:root{
  --bg:#0B0E1F;
  --bg-soft:#141833;
  --card:#1A1F3D;
  --card-line:#31385E;
  --navy:#1E2444;
  --gold:#22D3EE;
  --teal:#F472B6;
  --text:#F3F4F8;
  --text-soft:#9AA0C0;
  --glass-bg: rgba(255,255,255,0.055);
  --glass-border: rgba(255,255,255,0.12);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;scroll-padding-top:90px;}
body{
  margin:0;
  font-family:'Segoe UI', Arial, sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.6;
  overflow-x:hidden;
  position:relative;
}
body::before{
  content:"";
  position:fixed;
  inset:0;
  z-index:0;
  background:
    radial-gradient(circle at 15% 20%, rgba(34,211,238,0.14) 0%, transparent 45%),
    radial-gradient(circle at 85% 65%, rgba(244,114,182,0.13) 0%, transparent 45%),
    radial-gradient(circle at 50% 90%, rgba(34,211,238,0.08) 0%, transparent 50%);
  pointer-events:none;
}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px;position:relative;z-index:2;}

/* ---------- FLOATING BACKGROUND SHAPES ---------- */
.float-field{position:absolute;inset:0;overflow:hidden;pointer-events:none;z-index:1;}
.shape{position:absolute;opacity:.5;animation:drift 14s ease-in-out infinite;}
.shape.dot{width:8px;height:8px;border-radius:50%;background:var(--gold);}
.shape.ring{width:26px;height:26px;border:2px solid var(--teal);border-radius:50%;background:none;}
.shape.square{width:16px;height:16px;background:var(--gold);border-radius:3px;transform:rotate(20deg);}
.shape.line{width:50px;height:2px;background:var(--text-soft);}
.shape.tri{width:0;height:0;border-left:9px solid transparent;border-right:9px solid transparent;border-bottom:16px solid var(--teal);}

@keyframes drift{
  0%{ transform:translateY(0) translateX(0) rotate(0deg); }
  50%{ transform:translateY(-24px) translateX(12px) rotate(12deg); }
  100%{ transform:translateY(0) translateX(0) rotate(0deg); }
}

/* ---------- HEADER / NAV ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(11,14,31,.78);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--glass-border);}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:1140px;margin:0 auto;}
.brand{font-weight:700;font-size:20px;letter-spacing:.03em;}
.brand span{color:var(--gold);}
nav.main-nav ul{list-style:none;display:flex;gap:30px;margin:0;padding:0;font-size:14.5px;}
nav.main-nav a:hover, nav.main-nav a.active{color:var(--gold);}
.nav-right{display:flex;align-items:center;gap:16px;}
.social-icon{width:34px;height:34px;border-radius:50%;border:1px solid var(--card-line);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;color:var(--text-soft);}
.social-icon:hover{border-color:var(--gold);color:var(--gold);}
.cta-btn{border:1.5px solid var(--gold);color:var(--gold);padding:9px 20px;border-radius:6px;font-weight:600;font-size:14px;}
.cta-btn:hover{background:var(--gold);color:var(--bg);}
.nav-toggle{display:none;background:none;border:none;color:var(--text);font-size:24px;cursor:pointer;}

/* ---------- DROPDOWN (Loans / GST & Tax / Digital Services submenus) ---------- */
.has-dropdown{position:relative;}
.dropdown{
  display:none;position:absolute;top:100%;left:0;
  background:rgba(20,24,51,0.82);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);
  border:1px solid var(--glass-border);border-radius:10px;
  padding:8px 0;min-width:210px;box-shadow:0 16px 34px rgba(0,0,0,.45);z-index:60;
}
.has-dropdown:hover .dropdown{display:block;}
.dropdown a{display:block;padding:10px 18px;font-size:14px;color:var(--text-soft);}
.dropdown a:hover{color:var(--gold);background:rgba(255,255,255,.04);}
.dropdown a.view-all{border-top:1px solid var(--card-line);margin-top:6px;padding-top:12px;color:var(--teal);font-weight:600;}

@media(max-width:850px){
  nav.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--bg-soft);flex-direction:column;padding:16px 24px;max-height:80vh;overflow-y:auto;}
  nav.main-nav.open{display:flex;}
  nav.main-nav ul{flex-direction:column;gap:6px;}
  .nav-toggle{display:block;}
  .has-dropdown:hover .dropdown{display:none;}
  .dropdown{display:none;position:static;border:none;background:rgba(255,255,255,.03);box-shadow:none;padding:4px 0 4px 14px;margin:4px 0;border-radius:6px;}
  .dropdown.mobile-open{display:block;}
}

/* ---------- RESPONSIVE 2-COLUMN SPLIT (fixes mobile overlap) ---------- */
.split2{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.split2.uneven{grid-template-columns:1fr 1.3fr;}
@media(max-width:800px){
  .split2, .split2.uneven{grid-template-columns:1fr;gap:28px;}
}

/* ---------- WHATSAPP CTA ---------- */
.whatsapp-btn{
  display:flex;align-items:center;justify-content:center;gap:8px;
  background:#25D366;color:#04170f;font-weight:700;padding:14px;border-radius:8px;
  border:none;font-size:15px;cursor:pointer;width:100%;margin-top:12px;
}
.whatsapp-btn:hover{opacity:.9;}
.or-divider{text-align:center;color:var(--text-soft);font-size:13px;margin:16px 0;}

/* ---------- HERO ---------- */
.hero{position:relative;padding:100px 0 90px;background:radial-gradient(ellipse at top right, #1B2350 0%, var(--bg) 60%);overflow:hidden;}
.hero .eyebrow{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);font-weight:600;}
.hero h1{font-size:46px;margin:16px 0 14px;max-width:16ch;line-height:1.15;}
.hero h1 .accent{color:var(--gold);}
.hero p{color:var(--text-soft);max-width:52ch;font-size:16.5px;}
.cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:28px;}
.btn-primary{background:var(--gold);color:var(--bg);font-weight:700;padding:13px 28px;border-radius:8px;display:inline-block;transition:transform .15s ease, box-shadow .15s ease, opacity .15s ease;}
.btn-primary:hover{opacity:.92;transform:translateY(-2px);box-shadow:0 10px 26px rgba(34,211,238,0.28);}
.btn-primary:active{transform:translateY(0) scale(.97);}
.btn-outline{border:1.5px solid var(--glass-border);color:var(--text);padding:13px 28px;border-radius:8px;display:inline-block;transition:.2s;background:var(--glass-bg);backdrop-filter:blur(10px);}
.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px);}
.btn-outline:active{transform:translateY(0) scale(.97);}

/* ---------- SECTIONS ---------- */
section{padding:70px 0;position:relative;}
section.soft{background:var(--bg-soft);}
h2{font-size:30px;margin:0 0 10px;}
h2 .accent{color:var(--gold);}
.sub{color:var(--text-soft);margin:0 0 40px;font-size:15.5px;max-width:60ch;}

/* ---------- CARDS ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.card{
  background:var(--glass-bg);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border:1px solid var(--glass-border);
  border-radius:14px;padding:30px 26px;
  transition:transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}
.card:hover{
  border-color:var(--gold);
  transform:translateY(-5px);
  box-shadow:0 14px 34px rgba(34,211,238,0.15);
}
.card .icon{font-size:30px;margin-bottom:14px;}
.card h3{font-size:19px;margin:0 0 8px;}
.card p{color:var(--text-soft);font-size:14.5px;margin:0 0 16px;}
.card .link{color:var(--teal);font-size:13.5px;font-weight:600;}
@media(max-width:900px){ .grid-3, .grid-4{grid-template-columns:1fr 1fr;} }
@media(max-width:560px){ .grid-3, .grid-4{grid-template-columns:1fr;} }

/* ---------- STATS STRIP (InCred-style trust numbers) ---------- */
.stats{
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:30px;
  background:var(--glass-bg);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border:1px solid var(--glass-border);border-radius:16px;padding:36px;
}
.stat{text-align:center;flex:1;min-width:140px;}
.stat .num{font-size:32px;font-weight:700;color:var(--gold);}
.stat .label{color:var(--text-soft);font-size:13.5px;margin-top:4px;}

/* ---------- STEPS ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.step .num-badge{width:40px;height:40px;border-radius:50%;background:none;border:2px solid var(--gold);color:var(--gold);font-weight:700;display:flex;align-items:center;justify-content:center;margin-bottom:12px;}
.step h4{margin:0 0 6px;font-size:16px;}
.step p{margin:0;font-size:14px;color:var(--text-soft);}
@media(max-width:800px){ .steps{grid-template-columns:1fr 1fr;} }

/* ---------- FORMS ---------- */
.form-card{
  background:var(--glass-bg);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
  border:1px solid var(--glass-border);border-radius:18px;padding:40px;
}
form{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:10px;}
form .full{grid-column:1/-1;}
label{font-size:13px;color:var(--text-soft);display:block;margin-bottom:6px;}
input, select, textarea{
  width:100%;padding:13px 14px;border-radius:8px;border:1px solid var(--card-line);
  background:rgba(255,255,255,.04);color:var(--text);font-size:14.5px;font-family:inherit;
}
input:focus, select:focus, textarea:focus{outline:none;border-color:var(--gold);}
textarea{resize:vertical;min-height:120px;}
.submit-btn{grid-column:1/-1;background:var(--gold);color:var(--bg);font-weight:700;padding:14px;border:none;border-radius:8px;font-size:15px;cursor:pointer;transition:transform .15s, opacity .15s;}
.submit-btn:hover{opacity:.9;transform:translateY(-2px);}
.submit-btn:active{transform:scale(.97);}
@media(max-width:650px){ form{grid-template-columns:1fr;} }

/* ---------- EMI CALCULATOR ---------- */
.emi-row{margin-bottom:24px;}
.emi-row label{color:var(--text);font-weight:600;font-size:14.5px;display:flex;justify-content:space-between;}
.emi-row input[type=range]{width:100%;accent-color:var(--gold);margin-top:10px;}
.emi-result{background:var(--navy);border:1px solid var(--card-line);border-radius:10px;padding:24px;text-align:center;margin-top:20px;}
.emi-result .amount{font-size:34px;font-weight:700;color:var(--gold);}
.emi-schedule-toggle{display:flex;gap:10px;margin:18px 0;}
.emi-schedule-toggle button{background:var(--card);border:1px solid var(--card-line);color:var(--text);padding:9px 18px;border-radius:6px;cursor:pointer;font-size:13.5px;}
.emi-schedule-toggle button.active{background:var(--gold);color:var(--bg);border-color:var(--gold);}
table.schedule{width:100%;border-collapse:collapse;margin-top:16px;font-size:13.5px;}
table.schedule th, table.schedule td{padding:9px 10px;border-bottom:1px solid var(--card-line);text-align:right;}
table.schedule th:first-child, table.schedule td:first-child{text-align:left;}
table.schedule th{color:var(--gold);font-weight:600;}

/* ---------- ELIGIBILITY ---------- */
.choice-row{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px;}
.choice-row button{flex:1;min-width:110px;padding:11px;border:1px solid var(--card-line);background:transparent;color:var(--text);border-radius:8px;cursor:pointer;font-size:14px;}
.choice-row button.selected{background:var(--gold);color:var(--bg);border-color:var(--gold);}
.eligibility-result{margin-top:16px;padding:16px;border-radius:8px;font-size:14.5px;display:none;}
.eligibility-result.show{display:block;}
.eligibility-result.pass{background:rgba(47,203,154,.12);color:var(--teal);border:1px solid var(--teal);}
.eligibility-result.fail{background:rgba(220,80,80,.12);color:#e08a8a;border:1px solid #e08a8a;}

/* ---------- MODALS ---------- */
.modal-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.7);z-index:100;align-items:center;justify-content:center;padding:20px;}
.modal-overlay.open{display:flex;}
.modal-box{
  background:rgba(26,31,61,0.75);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border:1px solid var(--glass-border);border-radius:16px;padding:32px;max-width:520px;width:100%;max-height:80vh;overflow-y:auto;
}
.modal-close{float:right;background:none;border:none;font-size:20px;cursor:pointer;color:var(--text-soft);}
.modal-box ul{padding-left:18px;color:var(--text-soft);font-size:14.5px;}
.modal-agree-btn, .modal-close-btn{margin-top:18px;background:var(--gold);color:var(--bg);border:none;padding:11px 22px;border-radius:6px;cursor:pointer;font-size:14.5px;font-weight:600;}

/* ---------- TWO COLUMN (fixed responsive helper, replaces inline grid-template-columns) ---------- */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.two-col-wide{display:grid;grid-template-columns:1fr 1.3fr;gap:36px;}
@media(max-width:800px){
  .two-col, .two-col-wide{grid-template-columns:1fr;}
}

/* ---------- MOBILE SPACING & CLUTTER FIX ---------- */
@media(max-width:700px){
  .shape{opacity:.18;}
  .shape.dot, .shape.square{transform:scale(.8);}
  .hero{padding:56px 0 44px;}
  .hero h1{font-size:28px;margin:12px 0 12px;}
  .hero p{font-size:15px;}
  .cta-row{margin-top:22px;gap:12px;}
  section{padding:44px 0;}
  h2{font-size:23px;margin-bottom:8px;}
  .sub{font-size:14px;margin-bottom:26px;}
  .wrap{padding:0 20px;}
  .card{padding:22px 20px;}
  .grid-3, .grid-4{gap:16px;}
  .steps{gap:20px;}
  .stats{padding:24px;gap:22px;}
  .stat .num{font-size:26px;}
  .form-card{padding:24px 20px;}
}
@media(max-width:560px){
  .grid-4{grid-template-columns:1fr 1fr;}
}

.breadcrumb{font-size:13.5px;color:var(--text-soft);margin-bottom:16px;}
.breadcrumb a{color:var(--teal);}

/* ---------- FOOTER ---------- */
footer{background:var(--bg-soft);border-top:1px solid var(--card-line);padding:50px 0 24px;position:relative;}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px;margin-bottom:34px;}
.foot-grid h4{font-size:14px;color:var(--gold);margin:0 0 14px;letter-spacing:.04em;text-transform:uppercase;}
.foot-grid a{display:block;color:var(--text-soft);font-size:14px;margin-bottom:10px;}
.foot-grid a:hover{color:var(--gold);}
.foot-brand p{color:var(--text-soft);font-size:14px;max-width:34ch;}
.foot-bottom{border-top:1px solid var(--card-line);padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:13px;color:var(--text-soft);}
@media(max-width:800px){ .foot-grid{grid-template-columns:1fr 1fr;} }
@media(max-width:500px){ .foot-grid{grid-template-columns:1fr;} }