/* ============================================================
   ONKAR UDYOG SAMUH — Premium Financial Services
   style.css — Global Design System
   ============================================================ */

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

/* ---- CSS Variables ---- */
:root {
  --primary: #5A189A;
  --primary-dark: #3d0f6e;
  --primary-light: #7b2fbe;
  --secondary: #9D4EDD;
  --secondary-light: #c77dff;
  --accent: #E0AAFF;
  --gold: #FFD700;
  --white: #ffffff;
  --off-white: #f8f6ff;
  --light-gray: #f1f0f8;
  --gray: #9b96b0;
  --dark-gray: #3d3557;
  --text: #1a1535;
  --text-muted: #6b6485;
  --border: rgba(90, 24, 154, 0.12);

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', sans-serif;

  --shadow-sm: 0 2px 12px rgba(90,24,154,0.08);
  --shadow-md: 0 8px 32px rgba(90,24,154,0.12);
  --shadow-lg: 0 20px 60px rgba(90,24,154,0.18);
  --shadow-xl: 0 32px 80px rgba(90,24,154,0.24);

  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 40px;
  --radius-full: 9999px;

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.6s cubic-bezier(0.4, 0, 0.2, 1);

  --header-height: 80px;
  --container: 1280px;
}

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

/* ---- Utility Classes ---- */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 10px;
}
.container-sm { max-width: 900px; margin: 0 auto; padding: 0 24px; }

.section-pad { padding: 100px 0; }
.section-pad-sm { padding: 60px 0; }

.text-center { text-align: center; }
.text-purple { color: var(--primary); }
.bg-purple { background: var(--primary); }
.bg-off-white { background: var(--off-white); }
.bg-light { background: var(--light-gray); }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-col { display: flex; flex-direction: column; }
.gap-8 { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }
.gap-48 { gap: 48px; }

.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

/* ---- Section Label / Badge ---- */
.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(90,24,154,0.08);
  color: var(--primary);
  border: 1px solid rgba(90,24,154,0.2);
  padding: 6px 18px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.section-badge::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--secondary);
  border-radius: 50%;
}

/* ---- Section Titles ---- */
.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--text);
  margin-bottom: 16px;
}
.section-title span { color: var(--primary); }
.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 600px;
  line-height: 1.75;
}
.section-header { margin-bottom: 60px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-subtitle { margin: 0 auto; }

/* ============================================================
   HEADER
   ============================================================ */
#header-component {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  transition: var(--transition);
}

.header-top {
  background: var(--primary);
  padding: 8px 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.85);
}
.header-top .container { display: flex; justify-content: space-between; align-items: center; }
.header-top a { color: rgba(255,255,255,0.85); transition: color 0.2s; }
.header-top a:hover { color: var(--accent); }
.header-top-left, .header-top-right { display: flex; align-items: center; gap: 20px; }
.header-top-item { display: flex; align-items: center; gap: 6px; }

.main-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: var(--transition);
}
.main-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  /* justify-content: flex-start; */
  /* width: 100%; */
}

/* Logo
.logo {
  display: flex;
  align-items: center;
  margin-right: auto;
  gap: 12px;
  text-decoration: none;
}
.logo-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.4rem;
  font-weight: 800;
  font-family: var(--font-display);
  box-shadow: 0 4px 16px rgba(90,24,154,0.3);
  flex-shrink: 0;
}
.logo-text { line-height: 1.2; }
.logo-name {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: -0.01em;
  display: block;
}
.logo-tagline {
  font-size: 0.68rem;
  color: var(--text-muted);
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
} */

/* Main Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 10px 14px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: rgba(90,24,154,0.06);
}
.nav-link svg { width: 14px; height: 14px; transition: transform 0.2s; }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

/* Mega Menu */
.mega-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  padding: 32px;
  display: none;
  min-width: 700px;
  z-index: 100;
  animation: megaFadeIn 0.2s ease;
}
.mega-menu.mega-sm { min-width: 520px; }
.mega-menu::before {
  content: '';
  position: absolute;
  top: -6px; left: 50%;
  transform: translateX(-50%);
  width: 12px; height: 12px;
  background: var(--white);
  border-left: 1px solid var(--border);
  border-top: 1px solid var(--border);
  transform: translateX(-50%) rotate(45deg);
}
.nav-item:hover .mega-menu { display: flex; gap: 32px; }
.mega-col { flex: 1; min-width: 160px; }
.mega-col-title {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--accent);
}
.mega-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: var(--transition);
  margin-bottom: 2px;
}
.mega-link:hover {
  color: var(--primary);
  background: rgba(90,24,154,0.06);
  transform: translateX(4px);
}
.mega-link-icon {
  width: 28px; height: 28px;
  background: rgba(90,24,154,0.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  flex-shrink: 0;
  transition: var(--transition);
}
.mega-link:hover .mega-link-icon {
  background: var(--primary);
  color: white;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: white;
  z-index: 999;
  flex-direction: column;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}
.mobile-nav.open {
  transform: translateX(0);
}
.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  background: white;
  z-index: 1;
}
.mobile-nav-close {
  width: 40px; height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background: var(--light-gray);
  font-size: 1.2rem;
  color: var(--text);
  cursor: pointer;
}
.mobile-nav-body { padding: 24px; flex: 1; }
.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
  border-bottom: 1px solid var(--border);
}
.mobile-nav-link:hover { color: var(--primary); background: rgba(90,24,154,0.04); }
.mobile-accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  padding-left: 16px;
}
.mobile-accordion-content.open { max-height: 1000px; }
.mobile-sub-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 12px;
  font-size: 0.85rem;
  color: var(--text-muted);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.mobile-sub-link:hover { color: var(--primary); }
.mobile-nav-footer {
  padding: 24px;
  border-top: 1px solid var(--border);
  background: var(--off-white);
}

@keyframes megaFadeIn {
  from { opacity: 0; transform: translateX(-50%) translateY(8px); }
  to { opacity: 1; transform: translateX(-50%) translateY(0); }
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-full);
  font-size: 0.88rem;
  font-weight: 600;
  transition: var(--transition);
  letter-spacing: 0.01em;
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: white;
  box-shadow: 0 4px 20px rgba(90,24,154,0.3);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(90,24,154,0.4);
}
.btn-outline {
  border-color: var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-outline:hover {
  background: var(--primary);
  color: white;
  transform: translateY(-2px);
}
.btn-white {
  background: white;
  color: var(--primary);
  box-shadow: var(--shadow-md);
}
.btn-white:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}
.btn-lg { padding: 16px 40px; font-size: 0.95rem; }
.btn-sm { padding: 8px 20px; font-size: 0.8rem; }
.btn svg { width: 18px; height: 18px; transition: transform 0.2s; }
.btn:hover svg { transform: translateX(3px); }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, #1a0533 0%, #2d0b6e 40%, #5A189A 80%, #7b2fbe 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: calc(var(--header-height) + 40px);
}
.hero::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");
}
.hero-shapes { position: absolute; inset: 0; pointer-events: none; }
.hero-shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.08;
}
.hero-shape-1 {
  width: 600px; height: 600px;
  background: var(--secondary-light);
  top: -200px; right: -100px;
}
.hero-shape-2 {
  width: 400px; height: 400px;
  background: var(--accent);
  bottom: -150px; left: -100px;
}
.hero-shape-3 {
  width: 200px; height: 200px;
  background: var(--gold);
  top: 40%; right: 20%;
  opacity: 0.06;
}

.hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  padding: 60px 0;
}
.hero-left { color: white; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--accent);
  padding: 6px 18px;
  border-radius: var(--radius-full);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 28px;
  backdrop-filter: blur(8px);
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 800;
  line-height: 1.1;
  margin-bottom: 24px;
}
.hero-title span {
  background: linear-gradient(135deg, var(--accent), var(--secondary-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  font-size: 1.05rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.75);
  margin-bottom: 40px;
  max-width: 520px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 40px; }
.hero-stat {}
.hero-stat-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: white;
  line-height: 1;
}
.hero-stat-num span { color: var(--accent); }
.hero-stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.6);
  margin-top: 4px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* Hero Right — Card Stack */
.hero-right { position: relative; }
.hero-card-stack { position: relative; height: 480px; }
.hero-card {
  position: absolute;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(20px);
  color: white;
}
.hero-card-main {
  width: 320px;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  z-index: 3;
  background: rgba(255,255,255,0.12);
}
.hero-card-1 {
  width: 220px; right: -20px; top: 10%;
  z-index: 2;
  background: rgba(157,78,221,0.3);
  transform: rotate(3deg);
}
.hero-card-2 {
  width: 200px; left: -10px; bottom: 12%;
  z-index: 2;
  background: rgba(90,24,154,0.4);
  transform: rotate(-4deg);
}
.hero-card-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.6;
  margin-bottom: 8px;
}
.hero-card-value {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
}
.hero-card-value.small { font-size: 1.1rem; }
.hero-card-desc {
  font-size: 0.82rem;
  opacity: 0.7;
  margin-top: 8px;
}
.hero-card-icon {
  width: 48px; height: 48px;
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 16px;
}
.hero-card-divider { height: 1px; background: rgba(255,255,255,0.1); margin: 16px 0; }
.hero-card-row { display: flex; justify-content: space-between; align-items: flex-end; }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
  box-shadow: var(--shadow-sm);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
}
.trust-item-icon {
  width: 32px; height: 32px;
  background: rgba(90,24,154,0.08);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 0.9rem;
}

/* ============================================================
   SERVICES OVERVIEW
   ============================================================ */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--secondary));
  transform: scaleX(0);
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(90,24,154,0.2);
}
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, rgba(90,24,154,0.1), rgba(157,78,221,0.15));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 24px;
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  transform: scale(1.05);
}
.service-card-title {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 12px;
}
.service-card-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 20px;
}
.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
  transition: var(--transition);
}
.service-card-link:hover { gap: 10px; }

/* ============================================================
   LOAN CATEGORIES
   ============================================================ */
.loan-tab-nav {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.loan-tab-btn {
  padding: 10px 28px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  border: 2px solid var(--border);
  color: var(--text-muted);
  background: white;
  transition: var(--transition);
  cursor: pointer;
}
.loan-tab-btn.active, .loan-tab-btn:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: rgba(90,24,154,0.05);
}
.loan-tab-btn.active {
  background: var(--primary);
  color: white;
  border-color: var(--primary);
}
.loan-tab-content { display: none; }
.loan-tab-content.active { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 20px; }
.loan-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: var(--transition);
  text-decoration: none;
  color: var(--text);
}
.loan-item:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  color: var(--primary);
}
.loan-item-icon {
  width: 48px; height: 48px;
  background: rgba(90,24,154,0.08);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  transition: var(--transition);
}
.loan-item:hover .loan-item-icon {
  background: var(--primary);
  color: white;
}
.loan-item-text { font-size: 0.9rem; font-weight: 600; }
.loan-item-sub { font-size: 0.75rem; color: var(--text-muted); margin-top: 3px; font-weight: 400; }

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-us {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, var(--primary-light) 100%);
  position: relative;
  overflow: hidden;
}
.why-us::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23fff' fill-opacity='0.03'%3E%3Cpath d='M0 40L40 0H20L0 20M40 40V20L20 40'/%3E%3C/g%3E%3C/svg%3E");
}
.why-us-inner { position: relative; z-index: 1; }
.why-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  text-align: center;
  backdrop-filter: blur(10px);
  transition: var(--transition);
}
.why-card:hover {
  background: rgba(255,255,255,0.14);
  transform: translateY(-6px);
}
.why-card-icon {
  width: 64px; height: 64px;
  background: rgba(255,255,255,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin: 0 auto 20px;
}
.why-card-title {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: white;
  margin-bottom: 10px;
}
.why-card-desc {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.7;
}

/* ============================================================
   STATS SECTION
   ============================================================ */
.stats-section { background: var(--off-white); }
.stat-card {
  text-align: center;
  padding: 40px 20px;
}
.stat-number {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 0.9rem;
  color: var(--text-muted);
  font-weight: 500;
}

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  padding: 80px 0;
  position: relative;
  overflow: hidden;
  text-align: center;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center top, rgba(255,255,255,0.08) 0%, transparent 70%);
}
.cta-inner { position: relative; z-index: 1; }
.cta-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700;
  color: white;
  margin-bottom: 16px;
}
.cta-desc { color: rgba(255,255,255,0.8); font-size: 1.05rem; margin-bottom: 36px; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   CONTACT SECTION
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: start; }
.contact-info-card {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  color: white;
}
.contact-info-title {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.contact-info-desc { color: rgba(255,255,255,0.75); margin-bottom: 40px; font-size: 0.9rem; }
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
}
.contact-detail-icon {
  width: 44px; height: 44px;
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-detail-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.6;
  margin-bottom: 4px;
}
.contact-detail-value { font-weight: 600; font-size: 0.95rem; }
.contact-detail-value a { color: white; }

.contact-form-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-md);
}
.form-group { margin-bottom: 24px; }
.form-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  color: var(--text);
  background: white;
  transition: var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(90,24,154,0.1);
}
.form-control.error { border-color: #e11d48; }
.form-error { font-size: 0.78rem; color: #e11d48; margin-top: 4px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
textarea.form-control { resize: vertical; min-height: 120px; }
select.form-control { cursor: pointer; }

/* ============================================================
   FOOTER
   ============================================================ */
#footer-component {
  background: #0f0a1e;
  color: rgba(255,255,255,0.8);
}
.footer-main { padding: 80px 0 48px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 48px;
}
.footer-brand {}
.footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.footer-logo-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.2rem;
  font-weight: 800;
  font-family: var(--font-display);
}
.footer-logo-name {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: white;
}
.footer-desc {
  font-size: 0.85rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.55);
  margin-bottom: 28px;
}
.footer-udyog {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(90,24,154,0.3);
  border: 1px solid rgba(157,78,221,0.3);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  color: var(--accent);
}
.footer-col-title {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: white;
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-link {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 7px 0;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer-link:hover { color: var(--accent); }
.footer-link::before {
  content: '›';
  color: var(--secondary);
}

.footer-contact-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 16px;
}
.footer-contact-icon {
  width: 32px; height: 32px;
  background: rgba(90,24,154,0.3);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  flex-shrink: 0;
  color: var(--accent);
}
.footer-contact-text { font-size: 0.82rem; color: rgba(255,255,255,0.55); line-height: 1.5; }
.footer-contact-text a { color: rgba(255,255,255,0.55); }
.footer-contact-text a:hover { color: var(--accent); }

.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.07); margin: 0; }
.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-copy { font-size: 0.8rem; color: rgba(255,255,255,0.35); }
.footer-social { display: flex; gap: 10px; }
.footer-social-link {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.5);
  transition: var(--transition);
}
.footer-social-link:hover {
  background: var(--primary);
  border-color: var(--primary);
  color: white;
  transform: translateY(-2px);
}

/* ============================================================
   PAGE BANNER (Inner Pages)
   ============================================================ */
.page-banner {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
  margin-top: calc(var(--header-height) + 40px);
}
.page-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");
}
.page-banner-inner { position: relative; z-index: 1; text-align: center; color: white; }
.page-banner-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  margin-bottom: 16px;
}
.page-banner-desc {
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  margin: 0 auto;
  font-size: 1rem;
}

/* Breadcrumb */
.breadcrumb {
  padding: 16px 0;
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
}
.breadcrumb-list {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.breadcrumb-item { font-size: 0.82rem; color: var(--text-muted); }
.breadcrumb-item a { color: var(--primary); font-weight: 500; }
.breadcrumb-item a:hover { text-decoration: underline; }
.breadcrumb-sep { color: var(--gray); font-size: 0.8rem; }
.breadcrumb-item.active { color: var(--text); font-weight: 600; }

/* ============================================================
   SERVICE DETAIL PAGE
   ============================================================ */
.service-detail-content { display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: start; }
.service-detail-main {}
.service-detail-sidebar {}

.service-intro-text {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.9;
  margin-bottom: 36px;
}
.service-benefits {}
.benefits-list { margin-top: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px;
  background: var(--off-white);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--primary);
}
.benefit-check {
  width: 24px; height: 24px;
  background: var(--primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.benefit-text { font-size: 0.88rem; font-weight: 500; color: var(--text); }

/* Process Steps */
.process-steps { margin-top: 24px; }
.process-step {
  display: flex;
  gap: 20px;
  margin-bottom: 32px;
  position: relative;
}
.process-step:not(:last-child)::after {
  content: '';
  position: absolute;
  left: 20px;
  top: 48px;
  bottom: -16px;
  width: 2px;
  background: linear-gradient(to bottom, var(--primary), transparent);
}
.step-num {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}
.step-content {}
.step-title { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.step-desc { font-size: 0.875rem; color: var(--text-muted); line-height: 1.7; }

/* Sidebar Cards */
.sidebar-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  margin-bottom: 24px;
  box-shadow: var(--shadow-sm);
}
.sidebar-card-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}
.sidebar-cta-card {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: white;
  border-radius: var(--radius-md);
  padding: 32px 28px;
  text-align: center;
}
.sidebar-cta-title { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; margin-bottom: 12px; }
.sidebar-cta-desc { font-size: 0.85rem; opacity: 0.8; margin-bottom: 24px; line-height: 1.6; }
.sidebar-contact-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.88rem;
  color: var(--text-muted);
  transition: color 0.2s;
}
.sidebar-contact-link:last-child { border-bottom: none; }
.sidebar-contact-link:hover { color: var(--primary); }
.sidebar-contact-link strong { color: var(--text); font-weight: 600; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-visual {
  position: relative;
}
.about-img-placeholder {
  width: 100%; aspect-ratio: 4/3;
  background: linear-gradient(135deg, rgba(90,24,154,0.08), rgba(157,78,221,0.12));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  border: 1px solid var(--border);
}
.about-badge {
  position: absolute;
  bottom: -24px; right: -24px;
  background: var(--primary);
  color: white;
  border-radius: var(--radius-md);
  padding: 20px 24px;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.about-badge-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  line-height: 1;
}
.about-badge-label { font-size: 0.72rem; opacity: 0.8; text-transform: uppercase; letter-spacing: 0.06em; }

.vision-mission { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 64px; }
.vm-card {
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
}
.vm-card.vision { background: linear-gradient(135deg, var(--primary), var(--secondary)); color: white; }
.vm-card.mission { background: var(--off-white); border: 1px solid var(--border); }
.vm-icon { font-size: 2.5rem; margin-bottom: 20px; }
.vm-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 16px;
}
.vm-card.vision .vm-title { color: white; }
.vm-card.mission .vm-title { color: var(--text); }
.vm-text { font-size: 0.92rem; line-height: 1.85; }
.vm-card.vision .vm-text { color: rgba(255,255,255,0.8); }
.vm-card.mission .vm-text { color: var(--text-muted); }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-12px); }
}
@keyframes pulse-ring {
  0% { transform: scale(1); opacity: 0.5; }
  100% { transform: scale(1.5); opacity: 0; }
}

.anim-fade-up { animation: fadeUp 0.7s ease both; }
.anim-delay-1 { animation-delay: 0.1s; }
.anim-delay-2 { animation-delay: 0.2s; }
.anim-delay-3 { animation-delay: 0.3s; }
.anim-delay-4 { animation-delay: 0.4s; }
.anim-float { animation: float 4s ease-in-out infinite; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .hero-content { gap: 40px; }
  .hero-card-stack { height: 400px; }
}

@media (max-width: 900px) {
  .main-nav, .header-cta .btn:not(.btn-sm) { display: none; }
  .hamburger { display: flex; }
  .mobile-nav { display: flex; }
  .header-top { display: none; }
  :root { --header-height: 70px; }
  .hero-content { grid-template-columns: 1fr; gap: 48px; text-align: center; }
  .hero-right { display: none; }
  .hero-stats { justify-content: center; }
  .hero-actions { justify-content: center; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .about-intro { grid-template-columns: 1fr; }
  .about-badge { bottom: 0; right: 0; }
  .vision-mission { grid-template-columns: 1fr; }
  .service-detail-content { grid-template-columns: 1fr; }
  .benefits-list { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .container { padding: 0 16px; }
  .section-pad { padding: 64px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero { padding-top: calc(var(--header-height) + 20px); }
  .page-banner { margin-top: var(--header-height); padding: 60px 0 40px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .trust-bar-inner { gap: 24px; }
  .loan-tab-nav { gap: 8px; }
  .loan-tab-btn { padding: 8px 16px; font-size: 0.8rem; }
  .contact-form-card, .contact-info-card { padding: 28px 20px; }
  .service-detail-content { gap: 32px; }
}

/* ============================================================
   SCROLL TO TOP
   ============================================================ */
.scroll-top {
  position: fixed;
  bottom: 32px; right: 32px;
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: var(--transition);
  opacity: 0;
  pointer-events: none;
  z-index: 500;
  border: none;
}
.scroll-top.visible { opacity: 1; pointer-events: auto; }
.scroll-top:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

/* Phone bubble */
.phone-bubble {
  position: fixed;
  bottom: 32px; left: 32px;
  display: flex;
  align-items: center;
  gap: 12px;
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-full);
  padding: 10px 20px 10px 10px;
  box-shadow: var(--shadow-lg);
  z-index: 500;
  transition: var(--transition);
}
.phone-bubble:hover { transform: translateY(-3px); box-shadow: var(--shadow-xl); }
.phone-bubble-icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1rem;
  position: relative;
}
.phone-bubble-icon::before {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  border: 2px solid var(--secondary);
  animation: pulse-ring 1.5s ease-out infinite;
}
.phone-bubble-text {}
.phone-bubble-label { font-size: 0.68rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
.phone-bubble-num { font-size: 0.9rem; font-weight: 700; color: var(--text); }

@media (max-width: 640px) {
  .scroll-top { bottom: 20px; right: 20px; width: 40px; height: 40px; font-size: 1rem; }
  .phone-bubble { bottom: 20px; left: 20px; padding: 8px 14px 8px 8px; }
  .phone-bubble-icon { width: 34px; height: 34px; }
  .phone-bubble-num { font-size: 0.82rem; }
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  height: 48px;
  margin-right: auto; /* 👈 important */
}

.logo-img {
  height: 120%;
  width: 120%;
  object-fit: contain;
  margin-right: 100px;
}