/* =============================================
   MRABILITY Finance - Main Stylesheet
   Fully responsive: mobile, tablet, desktop
   ============================================= */

/* ---- CSS Variables ---- */
:root {
  --primary: #4f46e5;
  --primary-dark: #3730a3;
  --primary-light: #818cf8;
  --accent: #06b6d4;
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;
  --text-dark: #0f172a;
  --text-mid: #475569;
  --text-light: #94a3b8;
  --bg-white: #ffffff;
  --bg-light: #f8fafc;
  --bg-card: #ffffff;
  --border: #e2e8f0;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow-md: 0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.05);
  --shadow-lg: 0 10px 40px rgba(0,0,0,.1), 0 4px 16px rgba(0,0,0,.06);
  --shadow-xl: 0 20px 60px rgba(0,0,0,.12);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font);
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: var(--font); }

/* ---- Utility ---- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
}
.section-pad { padding: 5rem 0; }
.bg-light { background: var(--bg-light); }
.accent { color: var(--accent); }

/* ---- Section Header ---- */
.section-header { text-align: center; margin-bottom: 3rem; }
.section-tag {
  display: inline-block;
  background: linear-gradient(135deg, #ede9fe, #dbeafe);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 0.35rem 1rem;
  border-radius: 50px;
  margin-bottom: 0.75rem;
}
.section-title {
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.section-sub {
  font-size: 1rem;
  color: var(--text-mid);
  max-width: 560px;
  margin: 0 auto;
}

/* ---- Buttons ---- */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.65rem 1.5rem;
  border-radius: 50px;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(79,70,229,.3);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(79,70,229,.4);
}
.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: transparent;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.65rem 1.5rem;
  border-radius: 50px;
  border: 2px solid var(--primary);
  transition: var(--transition);
}
.btn-outline:hover {
  background: var(--primary);
  color: #fff;
  transform: translateY(-2px);
}
.btn-ghost {
  color: var(--text-mid);
  font-weight: 500;
  font-size: 0.9rem;
  padding: 0.5rem 1rem;
  border-radius: 50px;
  transition: var(--transition);
}
.btn-ghost:hover { color: var(--primary); background: #f1f5f9; }
.btn-lg { padding: 0.85rem 2rem; font-size: 1rem; }
.btn-white {
  display: inline-flex;
  align-items: center;
  background: #fff;
  color: var(--primary);
  font-weight: 700;
  font-size: 1rem;
  padding: 0.85rem 2rem;
  border-radius: 50px;
  transition: var(--transition);
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.15); }
.btn-outline-white {
  display: inline-flex;
  align-items: center;
  background: transparent;
  color: #fff;
  font-weight: 700;
  font-size: 1rem;
  padding: 0.85rem 2rem;
  border-radius: 50px;
  border: 2px solid rgba(255,255,255,.7);
  transition: var(--transition);
}
.btn-outline-white:hover { background: rgba(255,255,255,.15); }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }
.nav-inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 0.875rem;
  padding-bottom: 0.875rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: -0.5px;
  flex-shrink: 0;
}
.logo-icon { font-size: 1.6rem; color: var(--primary); }
.logo-text .accent { color: var(--accent); }
.logo-img { height: 40px; width: 40px; object-fit: cover; border-radius: 50%; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin-left: auto;
}
.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-mid);
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover { color: var(--primary); background: #f1f5f9; }
.nav-btn {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-mid);
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.nav-btn:hover { color: var(--primary); background: #f1f5f9; }
.chevron { font-size: 0.7rem; transition: transform var(--transition); }

.nav-dropdown { position: relative; }
.nav-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown:hover .chevron { transform: rotate(180deg); }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 0;
  min-width: 200px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--transition);
  z-index: 100;
}
.dropdown-menu a {
  display: block;
  font-size: 0.875rem;
  color: var(--text-mid);
  padding: 0.6rem 0.875rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.dropdown-menu a:hover { color: var(--primary); background: #f5f3ff; }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-left: 1rem;
  flex-shrink: 0;
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.5rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text-dark);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger:hover { background: #f1f5f9; }

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, #0f0c29, #302b63, #24243e);
  position: relative;
  display: flex;
  align-items: center;
  padding-top: 5rem;
  overflow: hidden;
}
.hero-bg-shapes { position: absolute; inset: 0; pointer-events: none; }
.shape {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.15;
}
.shape-1 { width: 600px; height: 600px; background: #6366f1; top: -200px; right: -100px; }
.shape-2 { width: 400px; height: 400px; background: #06b6d4; bottom: 100px; left: -100px; }
.shape-3 { width: 300px; height: 300px; background: #a855f7; top: 30%; left: 40%; }

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  padding-top: 2rem;
  padding-bottom: 5rem;
}
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  color: #c7d2fe;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  padding: 0.35rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.25rem;
}
.hero-title {
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 1.25rem;
}
.hero-rotate-text {
  background: linear-gradient(135deg, #a5f3fc, #818cf8);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,.7);
  max-width: 480px;
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: nowrap;
  overflow: visible;
}
.trust-item { display: flex; flex-direction: column; flex-shrink: 0; }
.trust-item strong { font-size: 1.3rem; font-weight: 800; color: #fff; }
.trust-item span { font-size: 0.75rem; color: rgba(255,255,255,.55); white-space: nowrap; }
.trust-divider { width: 1px; height: 36px; background: rgba(255,255,255,.2); flex-shrink: 0; }

/* Hero Visual */
.hero-visual { position: relative; display: flex; flex-direction: column; align-items: center; gap: 1.5rem; }
.hero-card-stack { position: relative; width: 320px; height: 240px; }
.loan-card {
  position: absolute;
  width: 300px;
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  color: #fff;
  transition: var(--transition);
}
.lc-back {
  background: linear-gradient(135deg, #1e1b4b, #312e81);
  top: 30px; left: 20px;
  transform: rotate(-5deg);
  opacity: 0.7;
}
.lc-mid {
  background: linear-gradient(135deg, #0c4a6e, #0369a1);
  top: 15px; left: 10px;
  transform: rotate(-2deg);
  opacity: 0.85;
}
.lc-front {
  background: linear-gradient(135deg, #4f46e5, #7c3aed);
  top: 0; left: 0;
  box-shadow: 0 20px 60px rgba(79,70,229,.5);
}
.lc-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 0.75rem; }
.lc-label { font-size: 0.8rem; font-weight: 600; opacity: 0.8; }
.lc-badge {
  background: linear-gradient(135deg, #fbbf24, #f59e0b);
  color: #000;
  font-size: 0.65rem;
  font-weight: 700;
  padding: 0.2rem 0.6rem;
  border-radius: 50px;
}
.lc-rate { font-size: 1.8rem; font-weight: 800; margin-bottom: 1rem; }
.lc-rate small { font-size: 0.8rem; font-weight: 400; opacity: 0.7; }
.lc-meta { display: flex; gap: 1.5rem; margin-bottom: 1rem; }
.lc-meta div { display: flex; flex-direction: column; }
.lc-meta span { font-size: 0.7rem; opacity: 0.7; }
.lc-meta strong { font-size: 0.9rem; }
.lc-progress-bar { height: 4px; background: rgba(255,255,255,.2); border-radius: 2px; margin-bottom: 0.75rem; }
.lc-progress-fill { width: 65%; height: 100%; background: linear-gradient(90deg, #a5f3fc, #38bdf8); border-radius: 2px; }
.lc-footer { font-size: 0.7rem; opacity: 0.7; }

.hero-score-widget {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  backdrop-filter: blur(12px);
  border-radius: var(--radius-lg);
  padding: 1rem 1.5rem;
  text-align: center;
  width: 200px;
}
.score-label { font-size: 0.75rem; color: rgba(255,255,255,.6); margin-bottom: 0.5rem; }
.score-ring { position: relative; width: 80px; height: 80px; margin: 0 auto 0.5rem; }
.score-ring svg { transform: rotate(-90deg); }
.score-track { fill: none; stroke: rgba(255,255,255,.1); stroke-width: 8; }
.score-fill {
  fill: none;
  stroke: url(#scoreGrad);
  stroke-width: 8;
  stroke-linecap: round;
  stroke-dasharray: 314;
  stroke-dashoffset: 80;
  stroke: #10b981;
}
.score-number {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 800;
  color: #fff;
}
.score-status { font-size: 0.8rem; font-weight: 700; padding: 0.25rem 0.75rem; border-radius: 50px; display: inline-block; }
.score-status.excellent { background: rgba(16,185,129,.2); color: #34d399; }

.hero-wave {
  position: absolute;
  bottom: 0; left: 0; right: 0;
}
.hero-wave svg { display: block; }

/* ===== STATS BAR ===== */
.stats-bar {
  background: var(--bg-white);
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--border);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.stat-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.stat-icon { font-size: 2rem; }
.stat-info { display: flex; flex-direction: column; }
.stat-info strong { font-size: 1.5rem; font-weight: 800; color: var(--primary); }
.stat-info span { font-size: 0.8rem; color: var(--text-mid); }

/* ===== PRODUCTS ===== */
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.product-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--card-color);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.product-card:hover::before { transform: scaleX(1); }
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.product-icon { font-size: 2.2rem; margin-bottom: 1rem; }
.product-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.35rem; color: var(--text-dark); }
.product-card p { font-size: 0.825rem; color: var(--text-mid); margin-bottom: 1rem; }
.product-cta {
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--card-color);
  transition: gap var(--transition);
}
.product-card:hover .product-cta { letter-spacing: 0.02em; }

/* ===== CIBIL BANNER ===== */
.cibil-banner {
  background: linear-gradient(135deg, #4f46e5, #7c3aed, #0ea5e9);
  padding: 5rem 0;
  position: relative;
  overflow: hidden;
}
.cibil-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cibil-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  position: relative;
}
.cibil-text h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; color: #fff; margin-bottom: 1rem; }
.cibil-text h2 span { background: linear-gradient(135deg, #fbbf24, #f59e0b); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.cibil-text p { color: rgba(255,255,255,.75); margin-bottom: 1.5rem; font-size: 1rem; }
.cibil-features { margin-bottom: 2rem; }
.cibil-features li { color: rgba(255,255,255,.85); font-size: 0.9rem; margin-bottom: 0.5rem; font-weight: 500; }
.cibil-graphic { display: flex; justify-content: center; align-items: center; padding: 1rem 0; }

/* Gauge */
.gauge-wrapper { display: flex; flex-direction: column; align-items: center; gap: 0.5rem; width: 100%; max-width: 280px; }
.gauge-scale { display: flex; justify-content: space-between; width: 100%; color: rgba(255,255,255,.6); font-size: 0.7rem; }
.gauge-scale .good { color: #86efac; font-weight: 700; }

/* ===== HOW IT WORKS ===== */
.steps-wrapper { position: relative; margin-bottom: 2.5rem; }
.steps-line {
  position: absolute;
  top: 3.5rem;
  left: calc(12.5% + 2rem);
  right: calc(12.5% + 2rem);
  height: 2px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  z-index: 0;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  position: relative;
  z-index: 1;
}
.step-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  text-align: center;
  transition: all var(--transition);
  position: relative;
}
.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.step-num {
  position: absolute;
  top: -1px; right: 1.25rem;
  font-size: 3rem;
  font-weight: 900;
  color: var(--border);
  line-height: 1;
}
.step-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.step-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
.step-card p { font-size: 0.825rem; color: var(--text-mid); line-height: 1.6; }
.steps-cta { text-align: center; }

/* ===== CREDIT CARDS SECTION ===== */
.cards-tabs {
  display: flex;
  gap: 0.5rem;
  justify-content: center;
  margin-bottom: 2rem;
  flex-wrap: wrap;
}
.tab-btn {
  background: transparent;
  color: var(--text-mid);
  border: 1px solid var(--border);
  padding: 0.5rem 1.25rem;
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition);
}
.tab-btn.active, .tab-btn:hover {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.cards-carousel {
  width: 100%;
}
.credit-card-item {
  display: flex;
  gap: 1.5rem;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  min-width: 100%;
  transition: opacity var(--transition);
  align-items: center;
}
.cc-visual {
  min-width: 280px;
  height: 170px;
  border-radius: 16px;
  padding: 1.5rem;
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #fff;
  flex-shrink: 0;
}
.cc-purple { background: linear-gradient(135deg, #4f46e5, #7c3aed); }
.cc-gold { background: linear-gradient(135deg, #92400e, #d97706); }
.cc-blue { background: linear-gradient(135deg, #0369a1, #0ea5e9); }
.cc-green { background: linear-gradient(135deg, #065f46, #059669); }
.cc-chip {
  width: 36px;
  height: 28px;
  background: linear-gradient(135deg, #fbbf24, #f59e0b);
  border-radius: 4px;
}
.cc-bank { font-size: 0.7rem; font-weight: 700; opacity: 0.8; position: absolute; top: 1.5rem; right: 1.5rem; }
.cc-num { font-size: 0.85rem; letter-spacing: 0.15em; opacity: 0.8; }
.cc-name { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.1em; }
.cc-info h4 { font-size: 1.2rem; font-weight: 700; margin-bottom: 1rem; }
.cc-info ul { margin-bottom: 1.5rem; }
.cc-info li { font-size: 0.875rem; color: var(--text-mid); padding: 0.3rem 0; }

.carousel-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  margin-top: 1.5rem;
}
.carousel-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--border);
  background: var(--bg-white);
  font-size: 1.1rem;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}
.carousel-btn:hover { background: var(--primary); color: #fff; border-color: var(--primary); }
.carousel-dots { display: flex; gap: 0.5rem; }
.carousel-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--border);
  cursor: pointer;
  transition: var(--transition);
}
.carousel-dot.active { background: var(--primary); transform: scale(1.3); }

/* ===== CALCULATOR ===== */
.calc-wrapper {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.calc-tabs {
  display: flex;
  border-bottom: 1px solid var(--border);
  background: var(--bg-light);
  overflow-x: auto;
}
.calc-tab {
  flex: 1;
  min-width: 130px;
  padding: 1rem 1.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-mid);
  border-bottom: 3px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
}
.calc-tab:hover { color: var(--primary); }
.calc-tab.active { color: var(--primary); border-bottom-color: var(--primary); background: #fff; }
.calc-body { padding: 2rem; }
.calc-panel { display: none; }
.calc-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.input-group { margin-bottom: 1.5rem; }
.input-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text-mid); margin-bottom: 0.5rem; }
.range-with-val { display: flex; align-items: center; gap: 1rem; }
input[type="range"] {
  flex: 1;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--primary) var(--val, 30%), var(--border) var(--val, 30%));
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--primary);
  box-shadow: 0 2px 8px rgba(79,70,229,.4);
  cursor: pointer;
  transition: transform var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
.range-val {
  min-width: 80px;
  text-align: right;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--primary);
}

/* Result Ring */
.calc-result { display: flex; flex-direction: column; align-items: center; gap: 1.5rem; }
.result-ring-wrapper { position: relative; width: 200px; height: 200px; }
.result-ring-wrapper canvas { position: absolute; inset: 0; }
.result-ring-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.result-label { font-size: 0.75rem; color: var(--text-mid); margin-bottom: 0.25rem; }
.result-emi { font-size: 1.4rem; font-weight: 800; color: var(--primary); }
.result-breakdown { width: 100%; }
.rb-item { display: flex; align-items: center; gap: 0.75rem; padding: 0.6rem 0; border-bottom: 1px solid var(--border); }
.rb-item:last-child { border-bottom: none; }
.rb-dot { width: 12px; height: 12px; border-radius: 3px; flex-shrink: 0; }
.rb-item.principal .rb-dot { background: var(--primary); }
.rb-item.interest .rb-dot { background: var(--accent); }
.rb-item.total .rb-dot { background: var(--success); }
.rb-item div { display: flex; flex-direction: column; flex: 1; }
.rb-item span { font-size: 0.75rem; color: var(--text-mid); }
.rb-item strong { font-size: 0.9rem; font-weight: 700; }

/* Eligibility result */
.eligibility-result { justify-content: center; }
.el-result-card {
  background: linear-gradient(135deg, #f5f3ff, #ede9fe);
  border: 1px solid #ddd6fe;
  border-radius: var(--radius-xl);
  padding: 2.5rem 3rem;
  text-align: center;
}
.el-icon { font-size: 3rem; margin-bottom: 1rem; }
.el-label { font-size: 0.9rem; color: var(--text-mid); margin-bottom: 0.5rem; }
.el-amount { font-size: 2.5rem; font-weight: 800; color: var(--primary); }
.el-note { font-size: 0.75rem; color: var(--text-light); margin-top: 0.75rem; }

/* ===== PARTNERS ===== */
.partners-ticker-wrap {
  overflow: hidden;
  position: relative;
  mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
}
.partners-ticker {
  display: flex;
  gap: 1rem;
  animation: ticker 25s linear infinite;
  width: max-content;
}
.partners-ticker:hover { animation-play-state: paused; }
@keyframes ticker {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.partner-logo {
  flex-shrink: 0;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0.6rem 1.25rem;
  font-weight: 700;
  font-size: 0.8rem;
  color: var(--text-mid);
  white-space: nowrap;
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.partner-logo .bank-badge {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 0.75rem;
  font-weight: 800;
  flex-shrink: 0;
  letter-spacing: -0.5px;
}
.partner-logo:hover { border-color: var(--primary); color: var(--primary); }

/* ===== FAQ ===== */
.faq-grid {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.faq-item {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: box-shadow var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%;
  text-align: left;
  padding: 1.25rem 1.5rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  transition: color var(--transition);
}
.faq-q:hover { color: var(--primary); }
.faq-icon {
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--primary);
  transition: transform var(--transition);
  line-height: 1;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 1.5rem 1.25rem;
  border-top: 1px solid var(--border);
}
.faq-a p { font-size: 0.875rem; color: var(--text-mid); line-height: 1.7; padding-top: 0.75rem; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.testimonial-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  transition: all var(--transition);
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.stars { color: #f59e0b; font-size: 1rem; margin-bottom: 1rem; }
.testimonial-card p { font-size: 0.875rem; color: var(--text-mid); line-height: 1.7; margin-bottom: 1.5rem; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 0.75rem; }
.testi-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}
.testi-author strong { display: block; font-size: 0.875rem; font-weight: 700; }
.testi-author span { font-size: 0.75rem; color: var(--text-light); }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, #0f0c29, #302b63);
  padding: 5rem 0;
  text-align: center;
}
.cta-inner h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); font-weight: 800; color: #fff; margin-bottom: 1rem; }
.cta-inner p { color: rgba(255,255,255,.7); font-size: 1rem; margin-bottom: 2rem; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ===== FOOTER ===== */
.footer {
  background: #0f172a;
  color: rgba(255,255,255,.7);
  padding-top: 4rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand .logo { color: #fff; margin-bottom: 1rem; }
.footer-brand .logo-img { height: 48px; width: 48px; object-fit: cover; border-radius: 50%; }
.footer-brand p { font-size: 0.875rem; line-height: 1.7; margin-bottom: 1.5rem; }
.social-links { display: flex; gap: 0.75rem; }
.social-links a {
  width: 36px; height: 36px;
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  transition: var(--transition);
}
.social-links a:hover { border-color: var(--accent); color: var(--accent); }
.footer-col h4 { color: #fff; font-size: 0.9rem; font-weight: 700; margin-bottom: 1rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-col a { font-size: 0.8rem; transition: color var(--transition); }
.footer-col a:hover { color: var(--accent); }
.footer-bottom {
  padding: 1.5rem 0;
  background: rgba(0,0,0,.2);
}
.footer-bottom-inner { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-bottom p { font-size: 0.75rem; color: rgba(255,255,255,.4); }
.disclaimer { font-size: 0.7rem !important; }

/* ===== BACK TO TOP ===== */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition);
  z-index: 999;
}
.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.back-to-top:hover { transform: translateY(-3px); background: var(--primary-dark); }

/* ===== LOAN PAGES ===== */
.page-hero {
  background: linear-gradient(135deg, #0f0c29, #302b63);
  padding: 8rem 0 5rem;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(79,70,229,.3) 0%, transparent 60%);
}
.page-hero-inner { position: relative; z-index: 1; }
.page-hero-inner h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: #fff; margin-bottom: 1rem; }
.page-hero-inner p { font-size: 1rem; color: rgba(255,255,255,.7); max-width: 560px; margin-bottom: 2rem; }
.page-hero-stats {
  display: flex;
  gap: 1.5rem;
  flex-wrap: nowrap;
  justify-content: flex-start;
}
.ph-stat { text-align: center; flex-shrink: 0; }
.ph-stat strong { display: block; font-size: 1.35rem; font-weight: 800; color: #fff; }
.ph-stat span { font-size: 0.7rem; color: rgba(255,255,255,.55); }

.loan-details-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 2rem;
  padding: 3rem 0;
}
.loan-info-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
}
.loan-info-card h2 { font-size: 1.3rem; font-weight: 700; margin-bottom: 1.5rem; }
.features-list { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.feature-item {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  padding: 1rem;
  background: var(--bg-light);
  border-radius: var(--radius-md);
}
.feature-item-icon { font-size: 1.5rem; flex-shrink: 0; }
.feature-item-text strong { display: block; font-size: 0.875rem; font-weight: 700; }
.feature-item-text span { font-size: 0.8rem; color: var(--text-mid); }

.apply-form-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  position: sticky;
  top: 6rem;
}
.apply-form-card h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 1.5rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-size: 0.825rem; font-weight: 600; color: var(--text-mid); margin-bottom: 0.4rem; }
.form-group input:not([type="checkbox"]):not([type="radio"]),
.form-group select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.875rem;
  color: var(--text-dark);
  transition: border-color var(--transition);
  outline: none;
  background: var(--bg-white);
}
.form-group input:not([type="checkbox"]):not([type="radio"]):focus,
.form-group select:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(79,70,229,.1); }
.form-group input::placeholder { color: var(--text-light); }
.apply-form-card .btn-primary { width: 100%; justify-content: center; padding: 0.875rem; }
.form-note { text-align: center; font-size: 0.75rem; color: var(--text-light); margin-top: 0.75rem; }

/* ===== CREDIT SCORE PAGE ===== */
.score-page-hero {
  background: linear-gradient(135deg, #065f46, #047857);
  padding: 8rem 0 5rem;
  text-align: center;
}
.score-page-hero h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: #fff; margin-bottom: 1rem; }
.score-page-hero p { color: rgba(255,255,255,.75); max-width: 560px; margin: 0 auto 2rem; }
.score-form-card {
  max-width: 480px;
  margin: 0 auto;
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-xl);
}
.score-form-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 0.5rem; text-align: center; }
.score-form-card .subtitle { font-size: 0.825rem; color: var(--text-mid); text-align: center; margin-bottom: 1.5rem; }
.score-form-card .btn-primary { width: 100%; justify-content: center; padding: 0.875rem; background: linear-gradient(135deg, #059669, #047857); box-shadow: 0 4px 15px rgba(5,150,105,.3); }
.score-features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding: 3rem 0;
}
.score-feature-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  text-align: center;
  transition: all var(--transition);
}
.score-feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.score-feature-card .sf-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.score-feature-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.5rem; }
.score-feature-card p { font-size: 0.825rem; color: var(--text-mid); }

/* ===== CREDIT CARDS PAGE ===== */
.cards-filter-bar {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  padding: 1.5rem 0;
}
.filter-chip {
  background: var(--bg-white);
  border: 1px solid var(--border);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition);
}
.filter-chip.active, .filter-chip:hover {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.cards-listing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding-bottom: 3rem;
}
.card-listing-item {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: all var(--transition);
}
.card-listing-item:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.cli-visual { height: 150px; padding: 1.5rem; position: relative; color: #fff; }
.cli-visual .cc-chip { width: 30px; height: 22px; background: linear-gradient(135deg, #fbbf24, #f59e0b); border-radius: 3px; margin-bottom: 1rem; }
.cli-visual .cc-bank { font-size: 0.65rem; font-weight: 700; opacity: 0.8; }
.cli-visual .cc-num { font-size: 0.75rem; letter-spacing: 0.15em; opacity: 0.7; }
.cli-body { padding: 1.5rem; }
.cli-body h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.75rem; }
.cli-features { margin-bottom: 1.25rem; }
.cli-features li { font-size: 0.775rem; color: var(--text-mid); padding: 0.2rem 0; }
.cli-fee { font-size: 0.775rem; color: var(--text-light); margin-bottom: 1rem; }
.cli-body .btn-primary { width: 100%; justify-content: center; }

/* ===== CALCULATORS PAGE ===== */
.calcs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding-bottom: 3rem;
}
.calc-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  transition: all var(--transition);
  cursor: pointer;
}
.calc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.calc-card-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.calc-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
.calc-card p { font-size: 0.825rem; color: var(--text-mid); margin-bottom: 1.25rem; }

/* ===== RESPONSIVE ===== */

/* Tablet: max 1024px */
@media (max-width: 1024px) {
  .products-grid { grid-template-columns: repeat(3, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .cibil-inner { grid-template-columns: 1fr; text-align: center; }
  .cibil-graphic { display: flex; justify-content: center; }
  .loan-details-grid { grid-template-columns: 1fr; }
  .apply-form-card { position: static; }
  .score-features-grid { grid-template-columns: 1fr 1fr; }
  .cards-listing-grid { grid-template-columns: 1fr 1fr; }
  .calcs-grid { grid-template-columns: 1fr 1fr; }
  .steps-line { display: none; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Tablet smaller: max 768px */
@media (max-width: 768px) {
  .navbar { z-index: 1100; }
  .nav-links { display: none; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 56px; left: 0; right: 0;
    background: #fff;
    padding: 1rem 1.25rem 1.5rem;
    gap: 0.5rem;
    overflow-y: auto;
    max-height: calc(100vh - 56px);
    z-index: 1099;
    box-shadow: 0 12px 40px rgba(0,0,0,.15);
    border-top: 1px solid var(--border);
    animation: slideDown 0.25s ease;
  }
  @keyframes slideDown { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: translateY(0); } }
  .nav-links.open .nav-dropdown { width: 100%; }
  .nav-links.open .nav-btn {
    width: 100%; justify-content: space-between; padding: 0.75rem 1rem;
    font-size: 0.95rem; font-weight: 600; color: var(--text-dark);
    border-radius: var(--radius-sm); border: 1px solid var(--border); background: #fff;
  }
  .nav-links.open .nav-link {
    width: 100%; padding: 0.75rem 1rem;
    font-size: 0.95rem; font-weight: 600; color: var(--text-dark);
    border-radius: var(--radius-sm); border: 1px solid var(--border); background: #fff;
    display: block; box-sizing: border-box;
  }
  .nav-links.open .nav-link:hover,
  .nav-links.open .nav-btn:hover { background: var(--bg-light); border-color: var(--primary); color: var(--primary); }
  .nav-links.open .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: var(--bg-light);
    margin-top: 0.35rem;
    padding: 0.5rem 0 0.5rem 1rem;
    border-radius: var(--radius-sm);
    display: none;
  }
  .nav-links.open .dropdown-menu a {
    padding: 0.6rem 0.875rem;
    font-size: 0.9rem;
    color: var(--text-mid);
    border-radius: var(--radius-sm);
  }
  .nav-links.open .dropdown-menu a:hover { color: var(--primary); background: #ede9fe; }
  .hamburger { display: flex; }
  .nav-actions .btn-ghost { display: none; }
  .nav-actions { margin-left: auto; gap: 0.35rem; }
  .nav-actions .btn-primary { font-size: 0.8rem; padding: 0.5rem 1rem; white-space: nowrap; }
  .user-pill { padding: 0.25rem 0.6rem 0.25rem 0.25rem; font-size: 0.8rem; }
  .user-pill .user-name { max-width: 80px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
  .logo { font-size: 1.15rem; }

  .hero { min-height: auto; padding: 5rem 0 1.5rem; }
  .hero-inner { grid-template-columns: 1fr; text-align: center; padding-top: 0; padding-bottom: 0.5rem; gap: 0.5rem; }
  .hero-content { order: 2; }
  .hero-visual { order: 1; margin-bottom: -1rem; }
  .hero-actions { justify-content: center; gap: 0.5rem; }
  .hero-actions a { padding: 0.65rem 1.5rem; font-size: 0.9rem; }
  .hero-trust { justify-content: center; gap: 0.5rem; margin-top: 0.25rem; margin-bottom: 0.5rem; }
  .hero-trust .trust-item strong { font-size: 0.85rem; }
  .hero-trust .trust-item span { font-size: 0.55rem; }
  .hero-trust .trust-divider { height: 20px; }
  .hero-card-stack { display: none; }
  .hero-visual { display: none; }
  .hero-score-widget { display: none; }
  .hero-desc { font-size: 0.85rem; margin-bottom: 0.75rem; line-height: 1.4; }
  .hero-title { margin-bottom: 0.5rem; font-size: clamp(1.5rem, 5vw, 2rem); }
  .hero-badge { margin-bottom: 0.5rem; font-size: 0.7rem; padding: 0.2rem 0.6rem; }

  .stats-bar { padding: 1rem 0; }
  .stats-grid { grid-template-columns: repeat(3, 1fr); gap: 0.5rem; }
  .stat-icon { font-size: 1.2rem; }
  .stat-item { gap: 0.4rem; }
  .stat-info strong { font-size: 1rem; }
  .stat-info span { font-size: 0.6rem; }

  .cibil-banner { padding: 2rem 0; }
  .cibil-inner { grid-template-columns: 1fr; text-align: center; gap: 1rem; }
  .cibil-text h2 { font-size: 1.2rem; margin-bottom: 0.5rem; }
  .cibil-text p { font-size: 0.85rem; margin-bottom: 0.75rem; }
  .cibil-features { margin-bottom: 1rem; }
  .cibil-features li { font-size: 0.85rem; margin-bottom: 0.25rem; }
  .cibil-graphic { padding: 0; }
  .gauge-wrapper { max-width: 200px; }

  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; }
  .calc-panel.active { grid-template-columns: 1fr; }
  .features-list { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .score-features-grid { grid-template-columns: 1fr; }
  .cards-listing-grid { grid-template-columns: 1fr; }
  .calcs-grid { grid-template-columns: 1fr 1fr; }
  
  .credit-card-item { flex-direction: column; }
  .cc-visual { min-width: auto; width: 100%; }
  
  .cta-actions { flex-direction: column; align-items: center; }

  .page-hero { padding: 5rem 0 1.5rem; }
  .page-hero-inner h1 { font-size: 1.75rem; margin-bottom: 0.5rem; }
  .page-hero-inner p { margin-bottom: 1rem; font-size: 0.9rem; }
  .page-hero-stats { gap: 1rem; }
  .ph-stat strong { font-size: 1.15rem; }
  .ph-stat span { font-size: 0.65rem; }
  .loan-details-grid { padding: 2rem 0; gap: 1.5rem; }
  .loan-details-grid > .apply-form-card { order: -1; }
  .section-pad { padding: 3rem 0; }
}

/* Mobile: max 480px */
@media (max-width: 480px) {
  .section-pad { padding: 1.5rem 0; }
  .hero { min-height: auto; padding: 4.5rem 0 1.25rem; }
  .hero-inner { padding-top: 0; padding-bottom: 0.25rem; gap: 0.25rem; }
  .hero-card-stack { display: none; }
  .hero-visual { display: none; }
  .hero-desc { font-size: 0.8rem; margin-bottom: 0.5rem; line-height: 1.4; }
  .hero-title { font-size: clamp(1.3rem, 5vw, 1.7rem); margin-bottom: 0.35rem; }
  .hero-badge { font-size: 0.65rem; padding: 0.2rem 0.6rem; margin-bottom: 0.35rem; }
  .hero-trust { gap: 0.4rem; margin-bottom: 0.5rem; }
  .hero-trust .trust-item strong { font-size: 0.8rem; }
  .hero-trust .trust-item span { font-size: 0.5rem; }
  .hero-trust .trust-divider { height: 18px; }
  .hero-actions { flex-direction: column; align-items: stretch; gap: 0.4rem; }
  .hero-actions a { text-align: center; padding: 0.6rem 1rem; font-size: 0.85rem; }

  .stats-bar { padding: 0.75rem 0; }
  .stats-grid { grid-template-columns: repeat(3, 1fr); gap: 0.35rem; }
  .stat-icon { font-size: 1rem; }
  .stat-item { gap: 0.25rem; }
  .stat-info strong { font-size: 0.85rem; }
  .stat-info span { font-size: 0.55rem; }

  .cibil-banner { padding: 1.5rem 0; }
  .cibil-text h2 { font-size: 1.1rem; margin-bottom: 0.4rem; }
  .cibil-text p { font-size: 0.8rem; margin-bottom: 0.5rem; }
  .cibil-features { margin-bottom: 0.75rem; }
  .cibil-features li { font-size: 0.8rem; margin-bottom: 0.2rem; }
  .gauge-wrapper { max-width: 170px; }

  .section-header { margin-bottom: 1rem; }
  .section-title { font-size: 1.2rem; }
  .section-sub { font-size: 0.8rem; }
  .products-grid { grid-template-columns: 1fr 1fr; gap: 0.75rem; }
  .product-card { padding: 1rem 0.75rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .calc-tabs { overflow-x: auto; }
  .calcs-grid { grid-template-columns: 1fr; }
  .cards-listing-grid { grid-template-columns: 1fr; }
  .page-hero-stats { gap: 0.6rem; justify-content: center; }
  .ph-stat strong { font-size: 1rem; }
  .ph-stat span { font-size: 0.6rem; }
  .loan-card { width: 240px; padding: 1.25rem; }
  .lc-back { left: 10px; }
  .lc-mid { left: 5px; }

  .nav-inner { padding-top: 0.6rem; padding-bottom: 0.6rem; }
  .logo { font-size: 1.05rem; gap: 0.35rem; }
  .logo-icon { font-size: 1.2rem; }
  .logo-img { height: 32px; width: 32px; }
  .nav-actions { margin-left: auto; gap: 0.25rem; }
  .nav-actions .btn-primary { font-size: 0.75rem; padding: 0.45rem 0.85rem; }
  .user-pill { padding: 0.2rem 0.5rem 0.2rem 0.2rem; font-size: 0.75rem; }
  .user-avatar { width: 24px; height: 24px; font-size: 0.65rem; }
  .hamburger { padding: 0.35rem; }
  .hamburger span { width: 18px; }

  .page-hero { padding: 5rem 0 1.5rem; }
  .page-hero-inner h1 { font-size: 1.5rem; margin-bottom: 0.5rem; }
  .page-hero-inner p { font-size: 0.85rem; margin-bottom: 1rem; }
  .loan-details-grid { padding: 1.5rem 0; gap: 1.5rem; }
  .loan-details-grid > .apply-form-card { order: -1; }
  .apply-form-card h3 { font-size: 1rem; margin-bottom: 1rem; }
  .form-group { margin-bottom: 0.875rem; }
  .ph-stat strong { font-size: 1.2rem; }
  .ph-stat span { font-size: 0.65rem; }

  .loan-info-card { padding: 1.25rem; }
  .apply-form-card { padding: 1.25rem; }
  .btn-outline { font-size: 0.85rem; padding: 0.55rem 1.2rem; white-space: nowrap; }
  .profile-stat-strip { grid-template-columns: repeat(3, 1fr) !important; }
  .profile-stat-strip > div { padding: 0.75rem 0.5rem !important; }
  .profile-stat-strip div[style*="font-size:1.5rem"] { font-size: 1.25rem !important; }
}

/* Large screens */
@media (min-width: 1280px) {
  .container { max-width: 1280px; }
}

/* ===== LOGIN / REGISTER MODAL ===== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.7);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}
.modal-overlay.open {
  opacity: 1;
  visibility: visible;
}
.modal-box {
  background: var(--bg-white);
  border-radius: var(--radius-xl);
  width: 100%;
  max-width: 440px;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  transform: translateY(24px) scale(0.97);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
  box-shadow: var(--shadow-xl);
}
.modal-overlay.open .modal-box {
  transform: translateY(0) scale(1);
}
.modal-close {
  position: absolute;
  top: 1rem;
  right: 1rem;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--bg-light);
  border: 1px solid var(--border);
  font-size: 0.8rem;
  color: var(--text-mid);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
  z-index: 10;
}
.modal-close:hover { background: #fee2e2; color: var(--danger); border-color: #fca5a5; }

/* Modal tabs */
.modal-tabs {
  display: flex;
  border-bottom: 1px solid var(--border);
  background: var(--bg-light);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
  overflow: hidden;
}
.modal-tab {
  flex: 1;
  padding: 1rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-mid);
  border-bottom: 3px solid transparent;
  transition: var(--transition);
  cursor: pointer;
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
}
.modal-tab:hover { color: var(--primary); }
.modal-tab.active {
  color: var(--primary);
  border-bottom: 3px solid var(--primary);
  background: var(--bg-white);
}

/* Panels */
.modal-panel { display: none; padding: 2rem; }
.modal-panel.active { display: block; }

/* Modal header */
.modal-header { text-align: center; margin-bottom: 1.75rem; }
.modal-logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 0.75rem;
}
.modal-header h2 { font-size: 1.4rem; font-weight: 800; margin-bottom: 0.35rem; }
.modal-header p { font-size: 0.85rem; color: var(--text-mid); }

/* Form inside modal */
.modal-form .form-group { margin-bottom: 1.1rem; }
.modal-form label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-mid);
  margin-bottom: 0.4rem;
}
.modal-form input[type="text"],
.modal-form input[type="email"],
.modal-form input[type="tel"],
.modal-form input[type="password"] {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.875rem;
  color: var(--text-dark);
  background: var(--bg-white);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.modal-form input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(79, 70, 229, 0.1);
}
.modal-form input.error { border-color: var(--danger); }
.modal-form input.success { border-color: var(--success); }
.field-err {
  display: block;
  font-size: 0.75rem;
  color: var(--danger);
  margin-top: 0.3rem;
  min-height: 1rem;
}

/* Password toggle */
.input-with-icon { position: relative; }
.input-with-icon input { padding-right: 3rem; }
.toggle-pass {
  position: absolute;
  right: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  line-height: 1;
  color: var(--text-light);
  padding: 0;
  transition: color var(--transition);
}
.toggle-pass:hover { color: var(--primary); }

/* Remember + Forgot row */
.modal-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.25rem;
}
.check-label {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  color: var(--text-mid);
  cursor: pointer;
}
.check-label input[type="checkbox"],
.form-group input[type="checkbox"] {
  width: 16px !important;
  height: 16px;
  accent-color: var(--primary);
  cursor: pointer;
  flex-shrink: 0;
  -webkit-appearance: checkbox;
  appearance: checkbox;
  padding: 0 !important;
}
.forgot-link {
  font-size: 0.82rem;
  color: var(--primary);
  font-weight: 500;
  transition: color var(--transition);
}
.forgot-link:hover { color: var(--primary-dark); text-decoration: underline; }

/* Submit button */
.modal-submit {
  width: 100%;
  justify-content: center;
  padding: 0.875rem;
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1.25rem;
  position: relative;
}
.modal-submit.loading::after {
  content: '';
  position: absolute;
  right: 1.25rem;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  border: 2px solid rgba(255,255,255,.4);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: translateY(-50%) rotate(360deg); } }

/* Divider */
.modal-divider {
  text-align: center;
  position: relative;
  margin-bottom: 1.25rem;
}
.modal-divider::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 0;
  right: 0;
  height: 1px;
  background: var(--border);
}
.modal-divider span {
  position: relative;
  background: #fff;
  padding: 0 0.75rem;
  font-size: 0.78rem;
  color: var(--text-light);
}

/* Social login */
.social-login-btns { display: flex; flex-direction: column; gap: 0.75rem; margin-bottom: 1.25rem; }
.social-btn {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.65rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  background: var(--bg-white);
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font);
}
.social-btn:hover { border-color: var(--primary); color: var(--primary); background: #f5f3ff; }
.fb-btn {
  display: flex; align-items: center; justify-content: center; gap: .6rem;
  width: 100%; padding: .65rem 1.25rem;
  background: #fff; border: 1.5px solid #dadce0; border-radius: 50px;
  font-size: .875rem; font-weight: 600; color: #3c4043; cursor: pointer;
  transition: .2s; font-family: var(--font);
}
.fb-btn:hover { background: #f8f9fa; border-color: #1877F2; }
/* Google button rendered by GIS SDK needs full width */
#googleSignInBtn > div, #googleSignInBtn iframe { width: 100% !important; }
.social-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #ea4335;
  color: #fff;
  font-size: 0.8rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}
.social-icon.fb { background: #1877f2; }

/* Switch link */
.modal-switch {
  text-align: center;
  font-size: 0.82rem;
  color: var(--text-mid);
}
.modal-switch a { color: var(--primary); font-weight: 600; }
.modal-switch a:hover { text-decoration: underline; }

/* Password strength */
.pass-strength {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-top: 0.5rem;
}
.pass-bar {
  flex: 1;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  overflow: hidden;
}
.pass-fill {
  height: 100%;
  width: 0%;
  border-radius: 2px;
  transition: width 0.3s ease, background 0.3s ease;
}
#passLabel { font-size: 0.72rem; color: var(--text-light); min-width: 60px; }

/* Logged-in state in navbar */
.user-pill {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 0.35rem 0.85rem 0.35rem 0.35rem;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}
.user-pill:hover { border-color: var(--primary); }
.user-avatar {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: #fff;
  font-size: 0.75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}

@media (max-width: 480px) {
  .modal-box { border-radius: var(--radius-lg); }
  .modal-panel { padding: 1.5rem; }
  .social-login-btns { flex-direction: column; }
}