/* ══════════════════════════════════════════════════════
   Deal4ask — style.css | FULL VERSION
   Brand Colors: Dark Green #1a5c1a | Gold #f0b429 | White
══════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ══ ROOT VARIABLES ══ */
:root {
  --gold:        #f0b429;
  --gold-dark:   #c8940a;
  --gold-light:  #ffd666;
  --gold-bg:     #fff8e7;
  --green:       #1a5c1a;
  --green-mid:   #236e23;
  --green-light: #2e8b2e;
  --green-bg:    #f0f7f0;
  --blue:        #1565c0;
  --blue-bg:     #e3f2fd;
  --text:        #1a1a1a;
  --text-mid:    #444;
  --text-muted:  #6c757d;
  --border:      #e0e0e0;
  --bg:          #fff;
  --bg-light:    #f8f9fa;
  --bg-section:  #f4f8f4;
  --shadow-sm:   0 2px 12px rgba(0,0,0,0.07);
  --shadow-md:   0 6px 30px rgba(0,0,0,0.10);
  --shadow-lg:   0 16px 50px rgba(0,0,0,0.13);
  --radius-sm:   8px;
  --radius-md:   14px;
  --radius-lg:   22px;
  --radius-pill: 50px;
}

/* ══ RESET ══ */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body {
  background:var(--bg); color:var(--text);
  font-family:'Inter',sans-serif;
  overflow-x:hidden; line-height:1.6;
}
a { text-decoration:none; }
img { max-width:100%; }

/* ══════════════════════════════
   S1 · ANNOUNCEMENT BAR
══════════════════════════════ */
.ann-bar {
  background:linear-gradient(90deg, var(--green), #1f6e1f, var(--green));
  padding:9px 0; font-size:13px; position:relative; z-index:100;
}
.ann-pill {
  background:var(--gold); color:#000;
  border-radius:var(--radius-pill);
  padding:3px 14px; font-weight:800; font-size:11px; white-space:nowrap;
}
.ann-check { color:rgba(255,255,255,0.85); margin-right:18px; font-size:12.5px; }
.ann-check i { color:var(--gold); margin-right:5px; }
.ann-offer { color:var(--gold); font-weight:700; text-decoration:none; }
.ann-offer:hover { color:var(--gold-light); }
.ann-close { color:rgba(255,255,255,0.5); cursor:pointer; font-size:15px; line-height:1; }
.ann-close:hover { color:#fff; }

/* ══════════════════════════════
   S2 · NAVBAR
══════════════════════════════ */
.site-nav {
  background:#fff;
  border-bottom:3px solid var(--gold);
  padding:12px 0; position:sticky; top:0; z-index:999;
  box-shadow:0 2px 20px rgba(26,92,26,0.08);
  transition:box-shadow 0.3s;
}
.site-nav.nav-scrolled {
  box-shadow:0 4px 30px rgba(26,92,26,0.14);
}
.logo-img { height:50px; width:auto; object-fit:contain; display:block; }

.nav-link-item {
  color:var(--text-mid); font-size:14px; font-weight:500;
  padding:7px 13px; border-radius:var(--radius-sm);
  transition:all 0.2s; text-decoration:none; display:inline-block;
}
.nav-link-item:hover { color:var(--green); background:var(--green-bg); }
.nav-link-item.active { color:var(--green); background:var(--green-bg); font-weight:700; }

.dropdown-menu-custom {
  background:#fff !important;
  border:1px solid var(--border) !important;
  border-top:3px solid var(--green) !important;
  border-radius:0 0 var(--radius-md) var(--radius-md) !important;
  padding:8px !important; min-width:200px;
  box-shadow:var(--shadow-md) !important;
}
.dropdown-item-custom {
  font-size:13px; color:var(--text-mid);
  border-radius:var(--radius-sm); padding:9px 14px;
  transition:0.2s; text-decoration:none; display:block;
}
.dropdown-item-custom:hover { background:var(--green-bg); color:var(--green); }
.dropdown-item-custom i { color:var(--gold); margin-right:8px; width:16px; }

.btn-nav-apply {
  display:inline-flex; align-items:center; gap:10px;
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  color:#fff !important; border-radius:var(--radius-pill);
  padding:10px 22px; font-weight:700; font-size:14px;
  text-decoration:none; box-shadow:0 4px 18px rgba(26,92,26,0.25);
  transition:all 0.3s; border:none;
}
.btn-nav-apply:hover { transform:translateY(-1px); box-shadow:0 8px 28px rgba(26,92,26,0.35); }
.apply-icon {
  width:24px; height:24px; background:rgba(255,255,255,0.2);
  border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:10px;
}
.mobile-toggler {
  background:var(--green-bg); border:1px solid rgba(26,92,26,0.15);
  border-radius:var(--radius-sm); padding:7px 11px;
  cursor:pointer; color:var(--green); font-size:16px;
}
.mobile-menu {
  background:#fff; border:1px solid var(--border);
  border-top:3px solid var(--green); border-radius:var(--radius-md);
  padding:12px; margin-top:10px; box-shadow:var(--shadow-md);
}
.mobile-menu .nav-link-item {
  display:block; padding:10px 14px; width:100%;
  border-bottom:1px solid var(--border);
}
.mobile-menu .nav-link-item:last-of-type { border-bottom:none; }

/* ══════════════════════════════
   S3 · HERO
══════════════════════════════ */
.hero {
  position:relative; z-index:1;
  padding:40px 0 0;
  min-height:calc(100vh - 110px);
  display:flex; flex-direction:column; align-items:center;
  background:radial-gradient(ellipse at top, #e8f5e9 0%, #fff 60%);
  overflow:hidden;
}
.hero-badge {
  display:inline-flex; align-items:center; gap:8px;
  background:#fff; border:1px solid rgba(26,92,26,0.18);
  border-radius:var(--radius-pill); padding:8px 20px;
  font-size:13px; color:var(--text-mid); margin-bottom:28px;
  box-shadow:var(--shadow-sm); animation:fadeUp 0.6s ease both;
}
.hero-title {
  font-size:clamp(2.2rem,5vw,2.6rem); font-weight:900;
  text-align:center; line-height:1.15; margin-bottom:20px;
  background:linear-gradient(135deg, var(--green) 0%, #2e8b2e 50%, #f0b429 100%);
  -webkit-background-clip:text; -webkit-text-fill-color:transparent;
  animation:fadeUp 0.7s ease both;
}
.hero-sub {
  text-align:center; color:var(--text-muted); font-size:17px;
  line-height:1.7; margin-bottom:36px;
  animation:fadeUp 0.8s ease both;
}
.btn-hero-cta {
  display:inline-flex; align-items:center; gap:14px;
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  color:#fff !important; border-radius:var(--radius-pill);
  padding: 10px 26px; font-size:16px; font-weight:700;
  text-decoration:none; box-shadow:0 8px 28px rgba(26,92,26,0.3);
  transition:all 0.3s; border:none;
  animation:fadeUp 0.9s ease both;
  position:relative; overflow:hidden;
}
.btn-hero-cta::before {
  content:''; position:absolute; inset:0;
  background:linear-gradient(135deg, transparent, rgba(255,255,255,0.1), transparent);
  transform:translateX(-100%); transition:transform 0.5s;
}
.btn-hero-cta:hover::before { transform:translateX(100%); }
.btn-hero-cta:hover { transform:translateY(-3px); box-shadow:0 16px 40px rgba(26,92,26,0.4); }
.cta-arrow {
  width:32px; height:32px; background:rgba(255,255,255,0.2);
  border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:12px;
}

/* Orbit */
.orbit-wrap {
  position:relative; width:100%; max-width:1100px;
  height:480px; margin:10px auto 0;
}
.orbit-svg {
  position:absolute; inset:0; width:100%; height:100%;
  pointer-events:none; z-index:1;
}
.center-card {
  position:absolute; top:50%; left:50%;
  transform:translate(-50%,-50%);
  background:#fff; border:2px solid rgba(26,92,26,0.15);
  border-radius:24px; width:220px; padding:30px 22px;
  text-align:center;
  box-shadow:0 20px 60px rgba(26,92,26,0.12), 0 0 0 1px rgba(240,180,41,0.1);
  z-index:20;
}
.check-outer-ring {
  width:72px; height:72px; border:2px solid rgba(26,92,26,0.15);
  border-radius:50%; display:flex; align-items:center; justify-content:center;
  margin:0 auto 14px; position:relative;
}
.check-outer-ring::before {
  content:''; position:absolute; inset:-6px;
  border:1px dashed rgba(240,180,41,0.35);
  border-radius:50%; animation:spinRing 20s linear infinite;
}
@keyframes spinRing { 0%{transform:rotate(0deg)} 100%{transform:rotate(360deg)} }
.check-inner {
  width:54px; height:54px;
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  border-radius:50%; display:flex; align-items:center; justify-content:center;
  font-size:22px; box-shadow:0 6px 20px rgba(26,92,26,0.35);
}
.center-card h5 { font-size:15px; font-weight:800; color:var(--text); margin-bottom:4px; }
.center-card small { font-size:11px; color:var(--text-muted); }

/* Lender Nodes */
.lender-node { position:absolute; z-index:10; display:flex; flex-direction:column; gap:4px; }
.lender-chip {
  display:flex; align-items:center; gap:8px;
  padding:8px 14px; border-radius:12px;
  font-size:12px; font-weight:700; white-space:nowrap;
  background:#fff; border:1px solid var(--border);
  box-shadow:var(--shadow-sm); transition:transform 0.3s; cursor:pointer;
}
.lender-chip:hover { transform:scale(1.05); box-shadow:var(--shadow-md); }
.pending-chip {
  font-size:11px; padding:4px 10px; border-radius:8px;
  background:#fff; border:1px solid rgba(200,148,10,0.25);
  color:var(--text-muted); white-space:nowrap;
}
.pending-chip strong { color:var(--gold-dark); font-weight:700; }
.chip-bajaj { background:#e8eaf6; border-color:rgba(63,81,181,0.2); color:#283593; }
.chip-tata  { background:#e3f2fd; border-color:rgba(21,101,192,0.2); color:#1565c0; }
.chip-lt    { background:#fff8e1; border-color:rgba(245,127,23,0.2); color:#e65100; }
.chip-credit{ background:#e8f5e9; border-color:rgba(26,92,26,0.2); color:#1a5c1a; }
.chip-smfg  { background:#e1f5fe; border-color:rgba(3,155,229,0.2); color:#01579b; }
.chip-yes   { background:#fce4ec; border-color:rgba(198,40,40,0.2); color:#c62828; }
.chip-hdfc  { background:#e3f2fd; border-color:rgba(21,101,192,0.2); color:#0d47a1; }
.node-lt     { top:38%; left:1%; }
.node-yes    { top:55%; left:12%; }
.node-smfg   { top:65%; left:2%; }
.node-bajaj1 { top:10%; left:6%; }
.node-credit { top:28%; right:18%; }
.node-bajaj2 { top:48%; right:10%; }
.node-tata   { top:30%; right:1%; }
.node-hdfc   { top:65%; right:18%; }
.float-a { animation:floatA 3.5s ease-in-out infinite; }
.float-b { animation:floatB 4s   ease-in-out infinite; }
.float-c { animation:floatC 4.5s ease-in-out infinite; }
.float-d { animation:floatD 3.8s ease-in-out infinite; }
.float-e { animation:floatE 5s   ease-in-out infinite; }
@keyframes floatA{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes floatB{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@keyframes floatC{0%,100%{transform:translateY(0)}50%{transform:translateY(-15px)}}
@keyframes floatD{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes floatE{0%,100%{transform:translateY(0)}50%{transform:translateY(-6px)}}

/* ══════════════════════════════
   S4 · STATS BAR
══════════════════════════════ */
.stats-bar {
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  padding:28px 0;
}
.stat-item { text-align:center; padding:8px 0; }
.stat-num  { font-size:2rem; font-weight:900; color:var(--gold); line-height:1; }
.stat-label{ font-size:12px; color:rgba(255,255,255,0.72); margin-top:5px; font-weight:500; }

/* ══ SECTION HELPERS ══ */
@keyframes fadeUp {
  from{opacity:0;transform:translateY(24px)}
  to  {opacity:1;transform:translateY(0)}
}
.section-tag {
  display:inline-block; background:var(--gold-bg); color:var(--gold-dark);
  border:1px solid rgba(240,180,41,0.3); border-radius:var(--radius-pill);
  padding:5px 18px; font-size:12px; font-weight:700;
  letter-spacing:0.5px; text-transform:uppercase; margin-bottom:12px;
}
.section-tag-white {
  background:rgba(255,255,255,0.15); color:#fff; border-color:rgba(255,255,255,0.3);
}
.section-title {
  font-size:clamp(1.6rem,3vw,2.4rem); font-weight:800;
  color:var(--green); margin-bottom:12px; line-height:1.2;
}
.section-text { color:var(--text-muted); font-size:15px; line-height:1.75; }

/* ══════════════════════════════
   S5 · ABOUT SECTION
══════════════════════════════ */
.about-section { padding:90px 0; background:var(--bg); }
.about-feats { display:flex; flex-direction:column; gap:10px; }
.about-feat {
  display:flex; align-items:center; gap:10px;
  font-size:14px; color:var(--text-mid); font-weight:500;
}
.about-feat i { color:var(--green); font-size:16px; flex-shrink:0; }
.about-visual { position:relative; }
.about-img {
  width:100%; border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg); border:3px solid var(--gold-bg); display:block;
}
.about-badge-card {
  position:absolute; display:flex; align-items:center; gap:12px;
  background:#fff; border-radius:var(--radius-md);
  padding:14px 18px; box-shadow:var(--shadow-md); border:1px solid var(--border);
}
.about-badge-card i { font-size:22px; color:var(--green); }
.about-badge-card strong { display:block; font-size:15px; font-weight:800; color:var(--text); }
.about-badge-card span  { font-size:11px; color:var(--text-muted); }
.about-bc-1 { bottom:30px; left:-30px; }
.about-bc-2 { top:30px; right:-20px; }

/* ══════════════════════════════
   S6 · OFFERS CAROUSEL
══════════════════════════════ */
.offers-section { padding:80px 0; background:var(--bg-section); }

.offer-banner {
  border-radius:var(--radius-lg); padding:44px 48px;
  display:flex; justify-content:space-between; align-items:center;
  gap:24px; overflow:hidden; position:relative; min-height:240px;
  flex-wrap:wrap;
}
.offer-b1 { background:linear-gradient(135deg, #1a5c1a 0%, #2e8b2e 60%, #3aaa3a 100%); }
.offer-b2 { background:linear-gradient(135deg, #0a3d6b 0%, #1565c0 60%, #1976d2 100%); }
.offer-b3 { background:linear-gradient(135deg, #7b1fa2 0%, #9c27b0 60%, #ab47bc 100%); }
.offer-b4 { background:linear-gradient(135deg, #bf360c 0%, #e64a19 60%, #ff5722 100%); }
.offer-b5 { background:linear-gradient(135deg, #004d40 0%, #00695c 60%, #00897b 100%); }

.ob-left { flex:1; position:relative; z-index:2; }
.ob-tag {
  display:inline-block; background:rgba(240,180,41,0.25);
  color:var(--gold-light); font-size:12px; font-weight:700;
  padding:4px 14px; border-radius:var(--radius-pill); margin-bottom:14px;
  border:1px solid rgba(240,180,41,0.3);
}
.ob-left h3 {
  font-size:clamp(1.5rem,3vw,2.2rem); font-weight:900;
  color:#fff; line-height:1.2; margin-bottom:12px;
}
.ob-left p { font-size:14px; color:rgba(255,255,255,0.80); line-height:1.65; margin-bottom:22px; max-width:420px; }

.ob-btn {
  display:inline-flex; align-items:center;
  background:var(--gold); color:#000 !important;
  padding:12px 28px; border-radius:var(--radius-pill);
  font-weight:800; font-size:14px; text-decoration:none;
  transition:all 0.3s; box-shadow:0 4px 16px rgba(0,0,0,0.2);
}
.ob-btn:hover { background:var(--gold-light); transform:translateY(-2px); box-shadow:0 8px 24px rgba(0,0,0,0.25); }
.ob-btn-gold { background:#fff; color:var(--blue) !important; }
.ob-btn-gold:hover { background:#f0f8ff; }

.ob-right { position:relative; z-index:2; flex-shrink:0; }
.ob-circle {
  width:160px; height:160px;
  background:rgba(255,255,255,0.1);
  border:2px solid rgba(255,255,255,0.2);
  border-radius:50%; display:flex; flex-direction:column;
  align-items:center; justify-content:center; gap:8px;
  color:#fff; font-size:3rem;
  box-shadow:0 0 40px rgba(255,255,255,0.1);
}
.ob-circle span { font-size:12px; font-weight:700; color:rgba(255,255,255,0.8); }

/* Offers Owl Nav */
.offers-owl .owl-nav { position:absolute; top:50%; transform:translateY(-50%); width:100%; pointer-events:none; }
.offers-owl .owl-nav button {
  position:absolute; pointer-events:all;
  background:rgba(255,255,255,0.15) !important;
  border:2px solid rgba(255,255,255,0.4) !important;
  color:#fff !important; width:44px; height:44px;
  border-radius:50% !important; transition:all 0.3s;
  font-size:14px !important; line-height:1;
}
.offers-owl .owl-nav button:hover { background:var(--gold) !important; border-color:var(--gold) !important; color:#000 !important; }
.offers-owl .owl-nav .owl-prev { left:16px; }
.offers-owl .owl-nav .owl-next { right:16px; }
.offers-owl .owl-dots { position:absolute; bottom:16px; left:50%; transform:translateX(-50%); }
.offers-owl .owl-dot span { background:rgba(255,255,255,0.3) !important; transition:0.3s; }
.offers-owl .owl-dot.active span { background:var(--gold) !important; width:26px; border-radius:4px; }

/* ══════════════════════════════
   S7 · LOAN PRODUCTS
══════════════════════════════ */
.products-section { padding:90px 0; background:var(--bg); }

.loan-product-card {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); padding:36px 32px;
  height:100%; position:relative; overflow:hidden;
  transition:all 0.3s; box-shadow:var(--shadow-sm);
}
.loan-product-card:hover { transform:translateY(-8px); box-shadow:var(--shadow-lg); }
.lpc-accent {
  position:absolute; top:0; left:0; right:0; height:4px;
  background:linear-gradient(90deg, var(--green), var(--gold));
}
.loan-home .lpc-accent { background:linear-gradient(90deg, var(--blue), #42a5f5); }
.lpc-top { display:flex; justify-content:space-between; align-items:flex-start; margin-bottom:22px; }
.lpc-icon-wrap {
  width:68px; height:68px;
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  border-radius:18px; display:flex; align-items:center; justify-content:center;
  color:#fff; font-size:28px; box-shadow:0 8px 24px rgba(26,92,26,0.25);
  transition:transform 0.3s;
}
.lpc-icon-blue { background:linear-gradient(135deg, #0a3d6b, var(--blue)); box-shadow:0 8px 24px rgba(21,101,192,0.25); }
.loan-product-card:hover .lpc-icon-wrap { transform:scale(1.08) rotate(-4deg); }
.lpc-badge {
  background:var(--gold); color:#000; padding:4px 14px;
  border-radius:var(--radius-pill); font-size:11px; font-weight:800;
}
.loan-product-card h3 { font-size:1.6rem; font-weight:900; color:var(--text); margin-bottom:10px; }
.loan-product-card > p { font-size:14px; color:var(--text-muted); line-height:1.7; margin-bottom:24px; }
.lpc-meta {
  display:flex; align-items:stretch;
  background:var(--bg-section); border-radius:var(--radius-md);
  padding:16px; margin-bottom:24px; border:1px solid var(--border);
}
.lpc-meta-item { flex:1; text-align:center; }
.lpc-meta-label {
  display:block; font-size:11px; font-weight:600;
  color:var(--text-muted); text-transform:uppercase; letter-spacing:0.5px; margin-bottom:4px;
}
.lpc-meta-val { font-size:1.1rem; font-weight:800; color:var(--green); }
.lpc-meta-val-blue { color:var(--blue); }
.lpc-meta-div { width:1px; background:var(--border); margin:0 4px; }
.lpc-features { list-style:none; padding:0; margin:0 0 24px; }
.lpc-features li {
  font-size:13.5px; color:var(--text-mid); padding:8px 0;
  border-bottom:1px solid var(--border);
  display:flex; align-items:center; gap:10px;
}
.lpc-features li:last-child { border-bottom:none; }
.lpc-features i { color:var(--green); font-size:13px; flex-shrink:0; }
.lpc-btns { display:flex; gap:10px; flex-wrap:wrap; }
.lpc-btn-primary {
  flex:1; display:inline-flex; align-items:center; justify-content:center;
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  color:#fff !important; padding:12px 20px; border-radius:var(--radius-pill);
  font-weight:700; font-size:14px; text-decoration:none;
  transition:all 0.3s; box-shadow:0 4px 16px rgba(26,92,26,0.25);
}
.lpc-btn-primary:hover { transform:translateY(-2px); box-shadow:0 8px 24px rgba(26,92,26,0.35); }
.lpc-btn-blue { background:linear-gradient(135deg, #0a3d6b, var(--blue)); box-shadow:0 4px 16px rgba(21,101,192,0.25); }
.lpc-btn-blue:hover { box-shadow:0 8px 24px rgba(21,101,192,0.4); }
.lpc-btn-outline {
  flex:1; display:inline-flex; align-items:center; justify-content:center;
  background:transparent; color:var(--green) !important;
  border:2px solid var(--green); padding:11px 18px; border-radius:var(--radius-pill);
  font-weight:700; font-size:14px; text-decoration:none; transition:all 0.3s;
}
.lpc-btn-outline:hover { background:var(--green); color:#fff !important; }
.lpc-btn-outline-blue { color:var(--blue) !important; border-color:var(--blue); }
.lpc-btn-outline-blue:hover { background:var(--blue); color:#fff !important; }

/* ══════════════════════════════
   S8 · EMI CALCULATOR BANNER
══════════════════════════════ */
.emi-banner-section { padding:40px 0; background:var(--bg-section); }
.emi-banner-card {
  background:linear-gradient(135deg, var(--green) 0%, var(--green-mid) 50%, #2e8b2e 100%);
  border-radius:var(--radius-lg); padding:40px 44px;
  cursor:pointer; position:relative; overflow:hidden;
  border:2px solid rgba(240,180,41,0.25);
  box-shadow:0 12px 40px rgba(26,92,26,0.25);
  transition:all 0.3s;
}
.emi-banner-card:hover { transform:translateY(-4px); box-shadow:0 20px 60px rgba(26,92,26,0.35); }
.emi-banner-bg-circles { position:absolute; inset:0; pointer-events:none; overflow:hidden; }
.ebc-1 {
  position:absolute; width:300px; height:300px; border-radius:50%;
  background:rgba(255,255,255,0.05); top:-100px; right:-80px;
}
.ebc-2 {
  position:absolute; width:200px; height:200px; border-radius:50%;
  background:rgba(240,180,41,0.08); bottom:-60px; left:20%;
}
.ebc-3 {
  position:absolute; width:150px; height:150px; border-radius:50%;
  background:rgba(255,255,255,0.04); top:20px; left:-40px;
}
.emi-big-icon {
  width:90px; height:90px;
  background:var(--gold); border-radius:24px;
  display:flex; align-items:center; justify-content:center;
  font-size:38px; color:#000;
  box-shadow:0 8px 28px rgba(240,180,41,0.4);
  margin:0 auto; transition:transform 0.3s;
  position:relative; z-index:2;
}
.emi-banner-card:hover .emi-big-icon { transform:scale(1.08) rotate(-5deg); }
.emi-banner-tag {
  display:inline-block; background:rgba(240,180,41,0.2);
  color:var(--gold-light); font-size:12px; font-weight:700;
  padding:3px 14px; border-radius:var(--radius-pill); margin-bottom:10px;
  border:1px solid rgba(240,180,41,0.3); position:relative; z-index:2;
}
.emi-banner-title {
  font-size:clamp(1.4rem,3vw,2rem); font-weight:900; color:#fff;
  line-height:1.2; margin-bottom:10px; position:relative; z-index:2;
}
.emi-banner-sub {
  font-size:14px; color:rgba(255,255,255,0.78); line-height:1.65;
  margin-bottom:16px; position:relative; z-index:2;
}
.emi-quick-stats {
  display:flex; gap:20px; flex-wrap:wrap;
  position:relative; z-index:2;
}
.emi-quick-stats span {
  font-size:12.5px; font-weight:600; color:rgba(255,255,255,0.85);
  display:flex; align-items:center; gap:6px;
}
.emi-quick-stats i { color:var(--gold); font-size:11px; }
.btn-emi-launch {
  display:inline-flex; align-items:center; justify-content:center;
  background:var(--gold); color:#000; border:none;
  padding:14px 28px; border-radius:var(--radius-pill);
  font-weight:800; font-size:14px; cursor:pointer;
  transition:all 0.3s; box-shadow:0 6px 20px rgba(240,180,41,0.35);
  position:relative; z-index:2; white-space:nowrap;
  font-family:'Inter',sans-serif;
}
.btn-emi-launch:hover { background:var(--gold-light); transform:translateY(-2px); box-shadow:0 10px 28px rgba(240,180,41,0.5); }
.emi-banner-hint {
  font-size:11px; color:rgba(255,255,255,0.45); margin-top:8px;
  text-align:center; position:relative; z-index:2;
}

/* ══════════════════════════════
   S9 · 4-STEP LOAN PROCESS
══════════════════════════════ */
.loan-steps-section {
  padding:90px 0;
  background:linear-gradient(135deg, var(--green) 0%, #1f6e1f 50%, #236e23 100%);
  position:relative; overflow:hidden;
}
.loan-steps-section::before {
  content:''; position:absolute; top:-80px; right:-80px;
  width:400px; height:400px;
  background:rgba(240,180,41,0.06); border-radius:50%;
}
.loan-steps-section::after {
  content:''; position:absolute; bottom:-100px; left:-60px;
  width:350px; height:350px;
  background:rgba(255,255,255,0.04); border-radius:50%;
}
.steps-timeline {
  max-width:820px; margin:0 auto;
  display:flex; flex-direction:column;
  position:relative; z-index:2;
}
.step-timeline-item { display:flex; gap:20px; align-items:flex-start; }
.stl-left { display:flex; flex-direction:column; align-items:center; flex-shrink:0; width:56px; }
.stl-num {
  width:52px; height:52px; background:var(--gold);
  color:#000; font-size:1.1rem; font-weight:900;
  border-radius:50%; display:flex; align-items:center; justify-content:center;
  box-shadow:0 6px 20px rgba(240,180,41,0.4); flex-shrink:0; position:relative; z-index:2;
}
.stl-connector {
  width:2px; flex:1; min-height:40px;
  background:rgba(255,255,255,0.15); margin:4px 0;
}
.stl-card {
  display:flex; gap:18px; align-items:flex-start;
  background:rgba(255,255,255,0.08);
  border:1px solid rgba(255,255,255,0.15);
  border-radius:var(--radius-lg); padding:24px 26px;
  margin-bottom:16px; flex:1;
  backdrop-filter:blur(8px); transition:all 0.3s;
}
.stl-card:hover {
  background:rgba(255,255,255,0.14);
  transform:translateX(6px);
  border-color:rgba(240,180,41,0.4);
}
.stl-icon {
  width:50px; height:50px; flex-shrink:0;
  background:rgba(255,255,255,0.15); border-radius:14px;
  display:flex; align-items:center; justify-content:center;
  color:var(--gold); font-size:20px;
  border:1px solid rgba(240,180,41,0.3);
}
.stl-icon-gold { background:rgba(240,180,41,0.2); }
.stl-body h5 { font-size:16px; font-weight:700; color:#fff; margin-bottom:6px; }
.stl-body p  { font-size:13.5px; color:rgba(255,255,255,0.7); margin:0; line-height:1.65; }
.btn-steps-cta {
  display:inline-flex; align-items:center;
  background:var(--gold); color:#000 !important;
  padding:14px 34px; border-radius:var(--radius-pill);
  font-weight:800; font-size:15px; text-decoration:none;
  box-shadow:0 8px 28px rgba(240,180,41,0.4); transition:all 0.3s;
}
.btn-steps-cta:hover { transform:translateY(-3px); box-shadow:0 14px 40px rgba(240,180,41,0.55); }

/* ══════════════════════════════
   S10 · WHY CHOOSE US
══════════════════════════════ */
.why-section { padding:90px 0; background:var(--bg-section); }
.why-card {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); padding:30px 22px;
  text-align:center; height:100%; transition:all 0.3s;
  border-bottom:3px solid transparent;
}
.why-card:hover { box-shadow:var(--shadow-md); transform:translateY(-7px); border-bottom-color:var(--gold); }
.why-icon-wrap {
  width:64px; height:64px; border-radius:18px;
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 18px; position:relative; overflow:hidden; transition:transform 0.3s;
}
.why-icon-bg {
  position:absolute; inset:0; border-radius:18px;
  background:linear-gradient(135deg, var(--green-bg), #c8f5c8);
}
.why-icon-i { position:relative; z-index:1; font-size:24px; color:var(--green); }
.why-card:hover .why-icon-wrap { transform:scale(1.1) rotate(-5deg); }
.why-card h5 { font-size:15px; font-weight:700; color:var(--text); margin-bottom:8px; }
.why-card p  { font-size:13px; color:var(--text-muted); margin:0; line-height:1.6; }

/* ══════════════════════════════
   S11 · BANK PARTNERS
══════════════════════════════ */
.banks-section { padding:70px 0; background:var(--bg); }
.bank-chip {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-md); padding:14px 16px;
  text-align:center; margin:0 8px; transition:all 0.3s; cursor:default;
}
.bank-chip:hover { box-shadow:var(--shadow-md); border-color:var(--gold); transform:translateY(-4px); }
.bank-chip img {
  height:36px; width:auto; max-width:100px; object-fit:contain;
  display:block; margin:0 auto 8px; filter:grayscale(20%); transition:filter 0.3s;
}
.bank-chip:hover img { filter:grayscale(0%); }
.bank-chip span { font-size:11px; font-weight:600; color:var(--text-muted); white-space:nowrap; }

/* ══════════════════════════════
   S12 · VIDEO TESTIMONIALS
══════════════════════════════ */
.testimonial-section { padding:90px 0; background:var(--bg-section); }

.vt-card { margin:8px; }
.vt-video-box {
  display:block; position:relative; border-radius:var(--radius-lg);
  overflow:hidden; text-decoration:none;
  box-shadow:var(--shadow-md);
  transition:all 0.3s;
  aspect-ratio:9/16;
  max-height:500px;
}
.vt-video-box:hover { transform:scale(1.03); box-shadow:var(--shadow-lg); }
.vt-video {
  width:100%; height:100%;
  object-fit:cover; display:block;
  background:#000;
}
.vt-overlay {
  position:absolute; inset:0;
  background:linear-gradient(to top, rgba(0,0,0,0.75) 0%, rgba(0,0,0,0.1) 50%, transparent 100%);
  display:flex; flex-direction:column;
  justify-content:space-between; align-items:center;
  padding:18px;
}
.vt-play-btn {
  width:60px; height:60px;
  background:var(--gold); color:#000;
  border-radius:50%; display:flex; align-items:center; justify-content:center;
  font-size:22px; border:3px solid #fff;
  box-shadow:0 6px 24px rgba(0,0,0,0.3);
  transition:all 0.3s; margin-top:auto; margin-bottom:auto;
  position:absolute; top:50%; left:50%; transform:translate(-50%,-50%);
}
.vt-video-box:hover .vt-play-btn { transform:translate(-50%,-50%) scale(1.12); }
.vt-name-tag {
  position:absolute; bottom:16px; left:16px; right:16px;
  color:#fff; font-size:13px; font-weight:700;
  background:rgba(0,0,0,0.4); backdrop-filter:blur(4px);
  padding:8px 12px; border-radius:var(--radius-sm);
  display:flex; align-items:center; gap:6px;
}

/* Testi Owl Nav */
.testi-owl .owl-nav { text-align:center; margin-top:24px; }
.testi-owl .owl-nav button {
  background:#fff !important; border:2px solid var(--border) !important;
  color:var(--green) !important; width:42px; height:42px;
  border-radius:50% !important; transition:all 0.3s;
  box-shadow:var(--shadow-sm); margin:0 4px;
  font-size:14px !important; line-height:1;
}
.testi-owl .owl-nav button:hover {
  background:var(--green) !important; color:#fff !important; border-color:var(--green) !important;
}
.testi-owl .owl-dot span { background:var(--border) !important; transition:0.3s; }
.testi-owl .owl-dot.active span { background:var(--green) !important; width:24px; border-radius:4px; }
.btn-insta-more {
  display:inline-flex; align-items:center;
  background:linear-gradient(135deg,#e1306c,#f77737);
  color:#fff !important; padding:13px 30px; border-radius:var(--radius-pill);
  font-weight:700; font-size:14px; text-decoration:none;
  transition:all 0.3s; box-shadow:0 6px 20px rgba(225,48,108,0.25);
}
.btn-insta-more:hover { transform:translateY(-2px); box-shadow:0 10px 30px rgba(225,48,108,0.4); }

/* ══════════════════════════════
   S13 · BRANCHES
══════════════════════════════ */
.branches-section { padding:90px 0; background:var(--bg); }
.pan-india-banner {
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  border-radius:var(--radius-lg); padding:22px 28px;
  display:flex; justify-content:space-between; align-items:center; gap:16px;
  flex-wrap:wrap; border:1px solid rgba(240,180,41,0.2);
  box-shadow:0 8px 30px rgba(26,92,26,0.2);
}
.pib-left { display:flex; align-items:center; gap:16px; flex:1; }
.pib-icon { font-size:2.5rem; color:var(--gold); flex-shrink:0; }
.pib-left strong { display:block; font-size:16px; font-weight:800; color:#fff; margin-bottom:3px; }
.pib-left span { font-size:13px; color:rgba(255,255,255,0.72); }
.pib-btn {
  background:var(--gold); color:#000 !important;
  padding:11px 26px; border-radius:var(--radius-pill);
  font-weight:800; font-size:14px; text-decoration:none;
  transition:all 0.3s; white-space:nowrap;
  box-shadow:0 4px 16px rgba(240,180,41,0.35);
}
.pib-btn:hover { transform:translateY(-2px); box-shadow:0 8px 24px rgba(240,180,41,0.5); }

.branch-card {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); padding:26px 22px; height:100%;
  transition:all 0.3s; position:relative;
  border-left:4px solid transparent;
}
.branch-card:hover { box-shadow:var(--shadow-md); transform:translateY(-5px); border-left-color:var(--gold); }
.branch-hq { border-left-color:var(--green); }
.branch-badge {
  position:absolute; top:14px; right:14px;
  background:var(--green); color:#fff; font-size:10px; font-weight:800;
  padding:2px 10px; border-radius:var(--radius-pill);
}
.branch-city-icon {
  width:44px; height:44px; border-radius:12px;
  background:var(--gold-bg); display:flex; align-items:center; justify-content:center;
  color:var(--gold-dark); font-size:18px; margin-bottom:14px;
}
.branch-card h5 {
  font-size:16px; font-weight:800; color:var(--green); margin-bottom:8px;
  display:flex; align-items:center; gap:8px; flex-wrap:wrap;
}
.branch-hq-tag {
  background:var(--green-bg); color:var(--green); font-size:10px; font-weight:700;
  padding:2px 10px; border-radius:var(--radius-pill); border:1px solid rgba(26,92,26,0.15);
}
.branch-card p { font-size:13px; color:var(--text-muted); line-height:1.65; margin-bottom:14px; }
.branch-contact { display:flex; flex-direction:column; gap:6px; }
.branch-contact a {
  font-size:13px; color:var(--green); font-weight:600; text-decoration:none;
  display:flex; align-items:center; gap:7px; transition:0.2s;
}
.branch-contact a:hover { color:var(--gold-dark); }
.branch-contact i { font-size:12px; color:var(--gold-dark); width:14px; }

/* ══════════════════════════════
   S14 · ELIGIBILITY CHECKER
══════════════════════════════ */
.eligibility-section { padding:90px 0; background:var(--bg-section); }
.elig-list { display:flex; flex-direction:column; gap:10px; margin-top:20px; }
.elig-item {
  display:flex; align-items:center; gap:10px;
  font-size:14px; font-weight:500; color:var(--text-mid);
  background:#fff; border:1px solid var(--border);
  border-radius:var(--radius-sm); padding:12px 16px;
}
.elig-yes i { color:var(--green); font-size:16px; flex-shrink:0; }

.elig-form-card {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); padding:36px 32px;
  box-shadow:var(--shadow-md);
}
.elig-form-card h5 {
  font-size:1.2rem; font-weight:800; color:var(--green); margin-bottom:24px;
  padding-bottom:14px; border-bottom:2px solid var(--gold-bg);
}
.elig-label { display:block; font-size:12.5px; font-weight:600; color:var(--text-mid); margin-bottom:8px; }
.elig-toggle { display:flex; gap:0; border:1.5px solid var(--border); border-radius:var(--radius-sm); overflow:hidden; }
.elig-toggle-btn {
  flex:1; background:#fff; border:none;
  padding:10px 14px; font-size:13px; font-weight:600;
  color:var(--text-mid); cursor:pointer;
  transition:all 0.2s; font-family:'Inter',sans-serif;
}
.elig-toggle-btn:not(:last-child) { border-right:1px solid var(--border); }
.elig-toggle-btn.active { background:var(--green); color:#fff; }
.elig-select {
  width:100%; padding:11px 14px; border:1.5px solid var(--border);
  border-radius:var(--radius-sm); font-size:13.5px;
  font-family:'Inter',sans-serif; color:var(--text);
  background:var(--bg-light); outline:none; appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat:no-repeat; background-position:right 14px center;
  padding-right:36px; transition:0.2s;
}
.elig-select:focus { border-color:var(--green); background-color:#fff; box-shadow:0 0 0 3px rgba(26,92,26,0.08); }
.elig-check-btn {
  width:100%; background:linear-gradient(135deg, var(--green), var(--green-mid));
  color:#fff; border:none; padding:14px 28px;
  border-radius:var(--radius-pill); font-weight:700; font-size:15px;
  cursor:pointer; transition:all 0.3s; font-family:'Inter',sans-serif;
  box-shadow:0 6px 20px rgba(26,92,26,0.25);
}
.elig-check-btn:hover { transform:translateY(-2px); box-shadow:0 12px 32px rgba(26,92,26,0.35); }
.elig-result-box {
  display:flex; align-items:center; gap:14px; flex-wrap:wrap;
  background:var(--green-bg); border:1.5px solid rgba(26,92,26,0.2);
  border-radius:var(--radius-md); padding:16px 18px;
}
.elig-result-box i { font-size:2rem; color:var(--green); flex-shrink:0; }
.elig-result-box strong { display:block; font-size:14px; font-weight:700; color:var(--green); }
.elig-result-box span { font-size:12.5px; color:var(--text-muted); }
.elig-apply-btn {
  margin-left:auto; background:var(--green); color:#fff !important;
  padding:10px 22px; border-radius:var(--radius-pill);
  font-weight:700; font-size:13px; text-decoration:none;
  transition:all 0.3s; white-space:nowrap;
}
.elig-apply-btn:hover { background:var(--green-mid); transform:translateY(-1px); }

/* ══════════════════════════════
   S15 · CONTACT + FORM
══════════════════════════════ */
.contact-section { padding:90px 0; background:var(--bg-section); }
.contact-info-stack { display:flex; flex-direction:column; gap:14px; }
.ci-card {
  display:flex; gap:14px; align-items:flex-start;
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-md); padding:18px;
  transition:all 0.3s;
}
.ci-card:hover { box-shadow:var(--shadow-sm); transform:translateX(4px); border-color:var(--gold); }
.ci-icon {
  width:44px; height:44px; border-radius:12px; flex-shrink:0;
  background:var(--gold-bg); color:var(--gold-dark);
  display:flex; align-items:center; justify-content:center; font-size:18px;
}
.ci-body h6 { font-size:13px; font-weight:700; color:var(--text); margin-bottom:5px; }
.ci-body p  { font-size:13px; color:var(--text-muted); margin:0; line-height:1.7; }
.ci-body a  { color:var(--green); text-decoration:none; font-weight:500; }
.ci-body a:hover { color:var(--gold-dark); }
.ci-social { display:flex; align-items:center; gap:8px; font-size:13px; color:var(--text-muted); font-weight:500; }

.social-btn {
  width:36px; height:36px; background:var(--green-bg); color:var(--green);
  border-radius:50%; display:inline-flex; align-items:center; justify-content:center;
  font-size:14px; text-decoration:none; transition:all 0.3s;
  border:1px solid rgba(26,92,26,0.15);
}
.social-btn:hover { background:var(--green); color:#fff; transform:translateY(-3px); box-shadow:0 6px 16px rgba(26,92,26,0.25); }

.contact-form-wrap {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-md);
}
.cfm-header {
  background:linear-gradient(135deg, var(--green), var(--green-mid));
  padding:26px 32px;
}
.cfm-header h4 { font-size:1.2rem; font-weight:800; color:#fff; margin-bottom:4px; }
.cfm-header p  { font-size:13px; color:rgba(255,255,255,0.75); margin:0; }
.cfm-body { padding:32px; }
.cf-group { margin-bottom:0; }
.cf-group label { display:block; font-size:12.5px; font-weight:600; color:var(--text-mid); margin-bottom:6px; }
.cf-group label span { color:#e53935; }
.cf-input-wrap { position:relative; }
.cf-input-wrap i {
  position:absolute; left:14px; top:50%; transform:translateY(-50%);
  color:var(--text-muted); font-size:13px; pointer-events:none;
}
.cf-textarea i { top:16px; transform:none; }
.cf-input-wrap input,
.cf-input-wrap select,
.cf-input-wrap textarea {
  width:100%; padding:11px 14px 11px 40px;
  border:1.5px solid var(--border); border-radius:var(--radius-sm);
  font-size:13.5px; font-family:'Inter',sans-serif; color:var(--text);
  background:var(--bg-light); transition:all 0.2s; outline:none; appearance:none;
}
.cf-input-wrap textarea { padding-top:12px; resize:vertical; min-height:90px; }
.cf-input-wrap input:focus,
.cf-input-wrap select:focus,
.cf-input-wrap textarea:focus {
  border-color:var(--green); background:#fff;
  box-shadow:0 0 0 3px rgba(26,92,26,0.09);
}
.cf-input-wrap input::placeholder,
.cf-input-wrap textarea::placeholder { color:#bbb; }
.cf-submit-btn {
  width:100%; background:linear-gradient(135deg, var(--green), var(--green-mid));
  color:#fff; border:none; padding:14px 28px;
  border-radius:var(--radius-pill); font-weight:700; font-size:15px;
  cursor:pointer; transition:all 0.3s; font-family:'Inter',sans-serif;
  box-shadow:0 6px 20px rgba(26,92,26,0.25);
}
.cf-submit-btn:hover { transform:translateY(-2px); box-shadow:0 12px 32px rgba(26,92,26,0.35); }
.cfm-success { padding:56px 32px; text-align:center; }
.cfm-success-icon { font-size:4rem; color:var(--green); margin-bottom:16px; }
.cfm-success h5 { font-size:1.2rem; font-weight:800; color:var(--green); margin-bottom:8px; }
.cfm-success p  { font-size:14px; color:var(--text-muted); }

/* ══════════════════════════════
   S16 · AWARDS
══════════════════════════════ */
.awards-section { padding:80px 0; background:var(--bg); }
.award-card {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); padding:30px 22px; text-align:center;
  height:100%; transition:all 0.3s;
  border-top:4px solid var(--gold);
}
.award-card:hover { box-shadow:var(--shadow-md); transform:translateY(-6px); }
.award-icon {
  width:64px; height:64px;
  background:linear-gradient(135deg, var(--gold-bg), #ffe082);
  border-radius:50%; display:flex; align-items:center; justify-content:center;
  font-size:26px; color:var(--gold-dark); margin:0 auto 16px;
  box-shadow:0 4px 16px rgba(240,180,41,0.2); transition:transform 0.3s;
}
.award-card:hover .award-icon { transform:scale(1.1) rotate(-5deg); }
.award-card h6 { font-size:15px; font-weight:700; color:var(--text); margin-bottom:8px; }
.award-card p  { font-size:13px; color:var(--text-muted); margin:0; line-height:1.6; }

/* ══════════════════════════════
   S17 · FAQ
══════════════════════════════ */
.faq-section { padding:90px 0; background:var(--bg-section); }
.faq-item {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-md); margin-bottom:10px;
  overflow:hidden; transition:box-shadow 0.2s;
}
.faq-item:hover { box-shadow:var(--shadow-sm); }
.faq-q {
  width:100%; background:transparent; border:none;
  text-align:left; padding:18px 20px; font-size:14px; font-weight:600;
  color:var(--text); cursor:pointer;
  display:flex; justify-content:space-between; align-items:center; gap:12px;
  font-family:'Inter',sans-serif; transition:all 0.2s;
}
.faq-q:hover { color:var(--green); background:var(--green-bg); }
.faq-q:not(.collapsed) { color:var(--green); background:var(--green-bg); }
.faq-arrow { color:var(--gold-dark); font-size:12px; flex-shrink:0; transition:transform 0.3s; }
.faq-q:not(.collapsed) .faq-arrow { transform:rotate(180deg); }
.faq-ans { border-top:1px solid var(--border); }
.faq-ans p { font-size:13.5px; color:var(--text-muted); line-height:1.75; margin:0; padding:14px 20px; }

/* ══════════════════════════════
   S18 · BLOG
══════════════════════════════ */
.blog-section { padding:90px 0; background:var(--bg); }
.blog-card {
  background:#fff; border:1.5px solid var(--border);
  border-radius:var(--radius-lg); overflow:hidden; height:100%;
  transition:all 0.3s; box-shadow:var(--shadow-sm);
}
.blog-card:hover { box-shadow:var(--shadow-lg); transform:translateY(-7px); }
.blog-img-wrap { position:relative; overflow:hidden; }
.blog-img {
  width:100%; height:200px; object-fit:cover; display:block;
  transition:transform 0.4s;
}
.blog-card:hover .blog-img { transform:scale(1.05); }
.blog-cat {
  position:absolute; top:14px; left:14px;
  background:var(--green); color:#fff;
  font-size:11px; font-weight:700; padding:4px 12px;
  border-radius:var(--radius-pill);
}
.blog-body { padding:22px 20px; }
.blog-body h5 { font-size:15px; font-weight:700; color:var(--text); margin-bottom:10px; line-height:1.4; }
.blog-body p  { font-size:13px; color:var(--text-muted); line-height:1.65; margin-bottom:14px; }
.blog-read {
  font-size:13px; font-weight:700; color:var(--green);
  text-decoration:none; display:inline-flex; align-items:center; gap:5px;
  transition:gap 0.2s;
}
.blog-read:hover { gap:9px; color:var(--green-mid); }

/* ══════════════════════════════
   S19 · CTA STRIP
══════════════════════════════ */
.cta-strip { padding:60px 0; background:var(--bg-section); }
.cta-strip-card {
  background:linear-gradient(135deg, var(--green) 0%, #1f6e1f 50%, var(--green-mid) 100%);
  border-radius:var(--radius-lg); padding:48px 50px;
  position:relative; overflow:hidden;
  border:2px solid rgba(240,180,41,0.2);
  box-shadow:0 16px 50px rgba(26,92,26,0.25);
}
.cta-strip-bg {
  position:absolute; top:-80px; right:-80px;
  width:350px; height:350px; border-radius:50%;
  background:rgba(240,180,41,0.07); pointer-events:none;
}
.cta-strip-card h3 {
  font-size:clamp(1.5rem,3vw,2.2rem); font-weight:900; color:#fff;
  margin-bottom:10px; position:relative; z-index:1;
}
.cta-strip-card p {
  font-size:15px; color:rgba(255,255,255,0.78); margin:0;
  line-height:1.65; position:relative; z-index:1;
}
.cta-strip-btn {
  display:inline-flex; align-items:center;
  background:var(--gold); color:#000 !important;
  padding:15px 34px; border-radius:var(--radius-pill);
  font-weight:800; font-size:16px; text-decoration:none;
  transition:all 0.3s; box-shadow:0 6px 24px rgba(240,180,41,0.4);
  position:relative; z-index:1; white-space:nowrap;
}
.cta-strip-btn:hover { background:var(--gold-light); transform:translateY(-3px); box-shadow:0 12px 36px rgba(240,180,41,0.55); }
.cta-strip-sub {
  font-size:12px; color:rgba(255,255,255,0.45); margin-top:10px;
  position:relative; z-index:1;
}

/* ══════════════════════════════
   S20 · FOOTER
══════════════════════════════ */
.site-footer { background:var(--green); color:rgba(255,255,255,0.85); padding:70px 0 0; }
.footer-logo { height:50px; width:auto; object-fit:contain; margin-bottom:16px; display:block; }
.footer-about { font-size:13.5px; color:rgba(255,255,255,0.62); line-height:1.75; }
.footer-heading {
  font-size:12px; font-weight:800; color:var(--gold);
  letter-spacing:0.6px; text-transform:uppercase; margin-bottom:18px;
  padding-bottom:10px; border-bottom:2px solid rgba(240,180,41,0.2);
}
.footer-links { list-style:none; padding:0; margin:0; }
.footer-links li { margin-bottom:10px; }
.footer-links a {
  color:rgba(255,255,255,0.62); text-decoration:none;
  font-size:13.5px; transition:all 0.2s; display:inline-block;
}
.footer-links a:hover { color:var(--gold); padding-left:4px; }
.footer-contact-list { list-style:none; padding:0; margin:0; }
.footer-contact-list li {
  display:flex; gap:12px; margin-bottom:14px;
  font-size:13px; color:rgba(255,255,255,0.62); line-height:1.65;
}
.footer-contact-list i { color:var(--gold); font-size:15px; margin-top:2px; flex-shrink:0; }
.footer-contact-list a { color:rgba(255,255,255,0.62); text-decoration:none; }
.footer-contact-list a:hover { color:var(--gold); }
.site-footer .social-btn {
  background:rgba(255,255,255,0.08); color:rgba(255,255,255,0.7);
  border-color:rgba(255,255,255,0.12);
}
.site-footer .social-btn:hover { background:var(--gold); color:#000; box-shadow:0 6px 16px rgba(240,180,41,0.35); }
.footer-bottom {
  border-top:1px solid rgba(255,255,255,0.1);
  margin-top:50px; padding:20px 0;
  font-size:13px; color:rgba(255,255,255,0.4);
}
.footer-bottom strong { color:var(--gold); }
.footer-bottom a { color:rgba(255,255,255,0.4); text-decoration:none; transition:0.2s; }
.footer-bottom a:hover { color:var(--gold); }

/* ══════════════════════════════
   SCROLLBAR
══════════════════════════════ */
::-webkit-scrollbar { width:6px; }
::-webkit-scrollbar-track { background:#f1f1f1; }
::-webkit-scrollbar-thumb { background:var(--green); border-radius:10px; }
::-webkit-scrollbar-thumb:hover { background:var(--green-mid); }

/* ══════════════════════════════
   RESPONSIVE
══════════════════════════════ */
@media (max-width:1199px) {
  .about-bc-1 { left:-10px; }
  .about-bc-2 { right:-10px; }
}
@media (max-width:991px) {
  .about-section,.offers-section,.products-section,.why-section,
  .banks-section,.testimonial-section,.branches-section,
  .contact-section,.faq-section,.loan-steps-section,
  .eligibility-section,.blog-section,.awards-section { padding:60px 0; }
  .orbit-wrap { height:600px; }
  .node-lt     { top:5%;  left:2%; }
  .node-yes    { top:18%; left:2%; }
  .node-smfg   { top:32%; left:2%; }
  .node-bajaj1 { top:5%;  right:2%; left:auto; }
  .node-credit { top:18%; right:2%; left:auto; }
  .node-bajaj2 { top:32%; right:2%; left:auto; }
  .node-tata   { top:46%; right:2%; left:auto; }
  .node-hdfc   { top:78%; left:50%; transform:translateX(-50%); }
  .about-bc-1,.about-bc-2 { display:none; }
  .lpc-btns { flex-direction:column; }
  .offer-banner { padding:32px 28px; }
  .ob-circle { width:120px; height:120px; font-size:2.2rem; }
  .emi-banner-card { padding:28px 24px; }
  .cta-strip-card { padding:36px 28px; }
  .stl-card { padding:18px 16px; }
}
@media (max-width:768px) {
  .hero { padding:40px 0 0; min-height:auto; }
  .pan-india-banner { flex-direction:column; text-align:center; }
  .pib-left { flex-direction:column; text-align:center; }
  .offer-banner { flex-direction:column; }
  .ob-right { display:none; }
  .cfm-header,.cfm-body { padding:22px 20px; }
  .elig-form-card { padding:24px 20px; }
}
@media (max-width:576px) {
  .ann-check { display:none; }
  .hero-title { font-size:1.9rem; }
  .hero-sub { font-size:14px; }
  .stat-num { font-size:1.6rem; }
  .section-title { font-size:1.4rem; }
  .lpc-meta { flex-direction:column; gap:10px; }
  .lpc-meta-div { width:100%; height:1px; margin:0; }
  .stl-card { flex-direction:column; }
  .emi-quick-stats { flex-direction:column; gap:8px; }
  .emi-banner-card { padding:22px 16px; }
  .cta-strip-card { padding:28px 20px; }
  .site-footer { padding:50px 0 0; }
  .vt-video-box { width: 100% !important; }
}






/* ═══════════════════════════════════════
     WELCOME POPUP
  ═══════════════════════════════════════ */
  .popup-overlay {
    position: fixed; inset: 0; z-index: 99999;
    background: rgba(0,0,0,0.65);
    display: flex; align-items: center; justify-content: center;
    padding: 16px;
    opacity: 0; visibility: hidden;
    transition: opacity 0.5s ease, visibility 0.5s ease;
  }
  .popup-overlay.active { opacity: 1; visibility: visible; }

  .popup-card {
    background: #fff; border-radius: 22px;
    max-width: 520px; width: 100%;
    overflow: hidden; position: relative;
    transform: translateY(60px) scale(0.92);
    transition: transform 0.55s cubic-bezier(0.34,1.56,0.64,1);
    box-shadow: 0 30px 80px rgba(0,0,0,0.25);
  }
  .popup-overlay.active .popup-card { transform: translateY(0) scale(1); }

  .popup-header {
    background: linear-gradient(135deg, #1a5c1a, #236e23);
    padding: 28px 28px 22px; text-align: center; position: relative;
  }
  .popup-header img.popup-logo { height: 46px; margin-bottom: 12px; }
  .popup-header h3 { color: #fff; font-size: 1.35rem; font-weight: 900; margin-bottom: 6px; }
  .popup-header p { color: rgba(255,255,255,0.78); font-size: 13.5px; margin: 0; }
  .popup-badge {
    position: absolute; top: -1px; right: 20px;
    background: #f0b429; color: #000; font-size: 11px; font-weight: 800;
    padding: 4px 16px; border-radius: 0 0 12px 12px;
  }
  .popup-close-btn {
    position: absolute; top: 12px; left: 14px;
    background: rgba(255,255,255,0.18); border: none; color: #fff;
    width: 32px; height: 32px; border-radius: 50%; cursor: pointer;
    font-size: 14px; display: flex; align-items: center; justify-content: center;
    transition: 0.2s;
  }
  .popup-close-btn:hover { background: rgba(255,255,255,0.32); }

  .popup-body { padding: 26px 28px; }
  .popup-offer-strip {
    background: linear-gradient(135deg, #fff8e7, #ffeeba);
    border: 1.5px solid rgba(240,180,41,0.35);
    border-radius: 14px; padding: 14px 18px; margin-bottom: 20px;
    display: flex; align-items: center; gap: 12px;
  }
  .popup-offer-strip .poi { font-size: 2rem; }
  .popup-offer-strip h6 { font-size: 14px; font-weight: 800; color: #1a5c1a; margin: 0 0 3px; }
  .popup-offer-strip p  { font-size: 12.5px; color: #666; margin: 0; }

  .popup-features { display: flex; flex-direction: column; gap: 9px; margin-bottom: 22px; }
  .popup-feat {
    display: flex; align-items: center; gap: 10px;
    font-size: 13.5px; color: #333; font-weight: 500;
  }
  .popup-feat i { color: #1a5c1a; font-size: 15px; flex-shrink: 0; }

  .popup-btns { display: flex; gap: 10px; }
  .popup-btn-primary {
    flex: 1; background: linear-gradient(135deg, #1a5c1a, #236e23);
    color: #fff !important; border: none; padding: 13px 22px;
    border-radius: 50px; font-weight: 800; font-size: 14px;
    text-decoration: none; text-align: center; cursor: pointer;
    transition: all 0.3s; box-shadow: 0 6px 20px rgba(26,92,26,0.25);
    font-family: 'Inter', sans-serif;
  }
  .popup-btn-primary:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(26,92,26,0.35); }
  .popup-btn-outline {
    flex: 1; background: transparent; color: #1a5c1a !important;
    border: 2px solid #1a5c1a; padding: 13px 22px;
    border-radius: 50px; font-weight: 700; font-size: 14px;
    text-decoration: none; text-align: center; cursor: pointer;
    transition: all 0.3s; font-family: 'Inter', sans-serif;
  }
  .popup-btn-outline:hover { background: #1a5c1a; color: #fff !important; }
  .popup-footer-note { font-size: 11px; color: #aaa; text-align: center; margin-top: 14px; }

  /* ═══════════════════════════════════════
     STICKY FLOATING BUTTONS — RIGHT BOTTOM
  ═══════════════════════════════════════ */
  .sticky-float-wrap {
    position: fixed; right: 20px; bottom: 28px;
    z-index: 9999;
    display: flex; flex-direction: column; align-items: flex-end; gap: 12px;
  }

  /* WhatsApp Button */
  .float-wa-wrap { position: relative; display: flex; align-items: center; gap: 10px; }
  .float-wa-label {
    background: #fff; color: #1a5c1a; font-size: 12px; font-weight: 800;
    padding: 6px 14px; border-radius: 50px; white-space: nowrap;
    box-shadow: 0 4px 16px rgba(0,0,0,0.12); border: 1.5px solid rgba(37,211,102,0.25);
    opacity: 0; transform: translateX(10px);
    transition: all 0.3s; pointer-events: none;
  }
  .float-wa-wrap:hover .float-wa-label { opacity: 1; transform: translateX(0); }

  .float-wa-btn {
    width: 60px; height: 60px; border-radius: 50%;
    background: #25d366;
    display: flex; align-items: center; justify-content: center;
    text-decoration: none; color: #fff !important; font-size: 26px;
    box-shadow: 0 6px 24px rgba(37,211,102,0.45);
    transition: transform 0.3s, box-shadow 0.3s;
    position: relative;
    flex-shrink: 0;
  }
  .float-wa-btn:hover { transform: scale(1.12); box-shadow: 0 10px 32px rgba(37,211,102,0.6); }

  /* WhatsApp pulse ring */
  .float-wa-btn::before {
    content: ''; position: absolute; inset: -6px;
    border-radius: 50%; border: 2px solid rgba(37,211,102,0.5);
    animation: waPulse 2s ease-in-out infinite;
  }
  @keyframes waPulse {
    0%   { transform: scale(1);   opacity: 0.8; }
    70%  { transform: scale(1.3); opacity: 0; }
    100% { transform: scale(1.3); opacity: 0; }
  }

  /* WhatsApp "Join Now" tooltip */
  .float-wa-join {
    position: absolute; bottom: calc(100% + 8px); right: 0;
    background: #25d366; color: #fff; font-size: 11px; font-weight: 800;
    padding: 5px 12px; border-radius: 8px; white-space: nowrap;
    box-shadow: 0 4px 12px rgba(37,211,102,0.3);
    pointer-events: none;
  }
  .float-wa-join::after {
    content: ''; position: absolute; top: 100%; right: 16px;
    border: 5px solid transparent;
    border-top-color: #25d366;
  }

  /* EMI Calculator Button */
  .float-emi-wrap { position: relative; display: flex; align-items: center; gap: 10px; }
  .float-emi-label {
    background: #fff; color: #1a5c1a; font-size: 12px; font-weight: 800;
    padding: 6px 14px; border-radius: 50px; white-space: nowrap;
    box-shadow: 0 4px 16px rgba(0,0,0,0.12); border: 1.5px solid rgba(240,180,41,0.3);
    opacity: 0; transform: translateX(10px);
    transition: all 0.3s; pointer-events: none;
  }
  .float-emi-wrap:hover .float-emi-label { opacity: 1; transform: translateX(0); }

  .float-emi-btn {
    width: 60px; height: 60px; border-radius: 50%;
    background: linear-gradient(135deg, #1a5c1a, #236e23);
    display: flex; align-items: center; justify-content: center;
    cursor: pointer; color: #fff; font-size: 0;
    box-shadow: 0 6px 24px rgba(26,92,26,0.4);
    transition: transform 0.3s, box-shadow 0.3s;
    border: none; position: relative; overflow: hidden;
    flex-shrink: 0;
  }
  .float-emi-btn:hover { transform: scale(1.12) rotate(-8deg); box-shadow: 0 10px 32px rgba(26,92,26,0.55); }

  /* EMI SVG Icon */
  .emi-icon-svg {
    width: 32px; height: 32px; position: relative; z-index: 1;
  }

  /* Gold ring on EMI button */
  .float-emi-btn::after {
    content: ''; position: absolute; inset: 0; border-radius: 50%;
    background: conic-gradient(from 0deg, #f0b429 0%, transparent 40%, transparent 60%, #f0b429 100%);
    opacity: 0.4; animation: emiSpin 4s linear infinite;
  }
  @keyframes emiSpin { 0%{transform:rotate(0deg)} 100%{transform:rotate(360deg)} }

  /* ═══════════════════════════════════════
     EMI CALCULATOR MODAL
  ═══════════════════════════════════════ */
  .emi-modal-overlay {
    position: fixed; inset: 0; z-index: 99998;
    background: rgba(0,0,0,0.6);
    display: flex; align-items: center; justify-content: center; padding: 16px;
    opacity: 0; visibility: hidden;
    transition: opacity 0.4s ease, visibility 0.4s ease;
  }
  .emi-modal-overlay.active { opacity: 1; visibility: visible; }

  .emi-modal {
    background: #fff; border-radius: 22px;
    max-width: 540px; width: 100%;
    transform: translateY(50px) scale(0.93);
    transition: transform 0.45s cubic-bezier(0.34,1.56,0.64,1);
    box-shadow: 0 30px 80px rgba(0,0,0,0.22);
    overflow: hidden;
  }
  .emi-modal-overlay.active .emi-modal { transform: translateY(0) scale(1); }

  .emi-modal-head {
    background: linear-gradient(135deg, #1a5c1a, #2e8b2e);
    padding: 22px 26px; display: flex; align-items: center;
    justify-content: space-between;
  }
  .emi-modal-head-left { display: flex; align-items: center; gap: 14px; }
  .emi-modal-head-icon {
    width: 50px; height: 50px; background: #f0b429; border-radius: 14px;
    display: flex; align-items: center; justify-content: center; font-size: 22px;
  }
  .emi-modal-head h4 { color: #fff; font-size: 1.1rem; font-weight: 800; margin: 0 0 3px; }
  .emi-modal-head p  { color: rgba(255,255,255,0.7); font-size: 12.5px; margin: 0; }
  .emi-modal-close {
    background: rgba(255,255,255,0.15); border: none; color: #fff;
    width: 36px; height: 36px; border-radius: 50%; cursor: pointer;
    font-size: 16px; display: flex; align-items: center; justify-content: center;
    transition: 0.2s;
  }
  .emi-modal-close:hover { background: rgba(255,255,255,0.28); }

  .emi-modal-body { padding: 28px 28px 24px; }

  /* Tab Toggle */
  .emi-tab-row {
    display: flex; background: #f4f8f4; border-radius: 12px;
    padding: 4px; gap: 4px; margin-bottom: 22px;
    border: 1.5px solid #e0e0e0;
  }
  .emi-tab {
    flex: 1; padding: 10px 14px; background: transparent;
    border: none; border-radius: 9px; font-size: 13.5px;
    font-weight: 600; color: #666; cursor: pointer; transition: all 0.25s;
    font-family: 'Inter', sans-serif;
  }
  .emi-tab.active { background: #1a5c1a; color: #fff; box-shadow: 0 4px 12px rgba(26,92,26,0.25); }

  .emi-field-label {
    font-size: 12.5px; font-weight: 700; color: #444;
    margin-bottom: 6px; display: block;
  }
  .emi-input-row { position: relative; margin-bottom: 16px; }
  .emi-input-prefix {
    position: absolute; left: 0; top: 0; bottom: 0;
    width: 42px; background: #f4f8f4; border-right: 1.5px solid #e0e0e0;
    display: flex; align-items: center; justify-content: center;
    font-size: 14px; font-weight: 800; color: #1a5c1a;
    border-radius: 10px 0 0 10px;
  }
  .emi-input {
    width: 100%; padding: 12px 14px 12px 54px;
    border: 1.5px solid #e0e0e0; border-radius: 10px;
    font-size: 14px; font-family: 'Inter', sans-serif; color: #1a1a1a;
    background: #fafafa; outline: none; transition: 0.2s;
  }
  .emi-input:focus { border-color: #1a5c1a; background: #fff; box-shadow: 0 0 0 3px rgba(26,92,26,0.09); }
  .emi-range { width: 100%; accent-color: #1a5c1a; margin-top: 6px; cursor: pointer; }

  .emi-calc-btn {
    width: 100%; background: linear-gradient(135deg, #1a5c1a, #2e8b2e);
    color: #fff; border: none; padding: 14px;
    border-radius: 12px; font-size: 15px; font-weight: 800;
    cursor: pointer; transition: all 0.3s; font-family: 'Inter', sans-serif;
    box-shadow: 0 6px 20px rgba(26,92,26,0.25); margin-top: 4px;
  }
  .emi-calc-btn:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(26,92,26,0.35); }

  /* Result Box */
  .emi-result-box {
    background: linear-gradient(135deg, #f0f7f0, #e8f5e9);
    border: 1.5px solid rgba(26,92,26,0.18);
    border-radius: 14px; padding: 20px; margin-top: 18px;
    display: none;
  }
  .emi-result-box.show { display: block; animation: fadeUp 0.4s ease both; }
  @keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}

  .emi-result-main {
    text-align: center; margin-bottom: 16px;
    padding-bottom: 16px; border-bottom: 1.5px solid rgba(26,92,26,0.12);
  }
  .emi-result-main span { font-size: 12px; color: #666; display: block; margin-bottom: 4px; }
  .emi-result-main strong { font-size: 2rem; font-weight: 900; color: #1a5c1a; }
  .emi-result-main em { font-size: 13px; color: #666; display: block; margin-top: 4px; font-style: normal; }

  .emi-result-row { display: flex; justify-content: space-between; gap: 10px; }
  .emi-result-item { flex: 1; background: #fff; border-radius: 10px; padding: 12px; text-align: center; border: 1px solid rgba(26,92,26,0.1); }
  .emi-result-item span { font-size: 11px; color: #888; display: block; margin-bottom: 4px; }
  .emi-result-item strong { font-size: 1rem; font-weight: 800; color: #1a5c1a; display: block; }

  .emi-apply-strip {
    margin-top: 14px; background: #1a5c1a; border-radius: 10px;
    padding: 12px 16px; display: flex; align-items: center;
    justify-content: space-between; gap: 10px;
  }
  .emi-apply-strip p { color: rgba(255,255,255,0.78); font-size: 12.5px; margin: 0; }
  .emi-apply-strip a {
    background: #f0b429; color: #000 !important; font-size: 13px; font-weight: 800;
    padding: 8px 18px; border-radius: 50px; text-decoration: none;
    white-space: nowrap; transition: 0.2s;
  }
  .emi-apply-strip a:hover { background: #ffd666; }

  /* ═══════════════════════════════════════
     NAVBAR CREDIT SCORE GIF
  ═══════════════════════════════════════ */
  .nav-credit-score-link {
    display: inline-flex; align-items: center; gap: 6px;
    background: linear-gradient(135deg, #fff8e7, #ffeeba);
    border: 1.5px solid rgba(240,180,41,0.4);
    border-radius: 10px; padding: 4px 12px 4px 6px;
    text-decoration: none; transition: all 0.3s;
    position: relative;
  }
  .nav-credit-score-link:hover {
    transform: translateY(-1px); border-color: #f0b429;
    box-shadow: 0 4px 16px rgba(240,180,41,0.25);
  }
  .nav-credit-gif { height: 36px; width: auto; border-radius: 6px; }
  .nav-credit-text {
    font-size: 12px; font-weight: 800; color: #1a5c1a; line-height: 1.2;
  }
  .nav-credit-text span { font-size: 10px; font-weight: 600; color: #666; display: block; }

  /* Shine animation on credit score link */
  .nav-credit-score-link::after {
    content: ''; position: absolute; top: 0; left: -100%;
    width: 60%; height: 100%; border-radius: 10px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.5), transparent);
    animation: shine 3s ease-in-out infinite;
  }
  @keyframes shine { 0%{left:-100%} 40%,100%{left:130%} }


  /* About SVG Illustration */
.about-svg-wrap {
    position: relative;
    border-radius: 22px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(26,92,26,0.12), 0 0 0 1px rgba(240,180,41,0.1);
    border: 2px solid rgba(240,180,41,0.12);
  }
  .about-main-svg {
    width: 100%;
    height: auto;
    display: block;
    transition: transform 0.4s ease;
  }
  .about-svg-wrap:hover .about-main-svg {
    transform: scale(1.02);
  }