/* ===== Variables ===== */
:root {
  --primary: #0c4a6e;
  --primary-dark: #082f49;
  --primary-light: #0369a1;
  --accent: #d97706;
  --accent-light: #f59e0b;
  --text: #1e293b;
  --text-muted: #64748b;
  --bg: #ffffff;
  --bg-alt: #f8fafc;
  --border: #e2e8f0;
  --shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 10px 40px rgba(0, 0, 0, 0.12);
  --radius: 12px;
  --transition: 0.3s ease;
}

/* ===== Reset & Base ===== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition);
}

img {
  max-width: 100%;
  display: block;
}

ul {
  list-style: none;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 80px 0;
}

.section-header {
  margin-bottom: 48px;
}

.section-header.text-center {
  text-align: center;
}

.section-tag {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  color: var(--accent);
  margin-bottom: 8px;
}

.section-header h2 {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--primary-dark);
  line-height: 1.2;
}

.section-header h2 span {
  color: var(--accent);
}

.section-subtitle {
  color: var(--text-muted);
  margin-top: 12px;
  font-size: 1.05rem;
}

/* ===== Buttons ===== */
.btn {
  display: inline-block;
  padding: 14px 28px;
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}

.btn-primary:hover {
  background: var(--accent-light);
  border-color: var(--accent-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.btn-outline {
  background: transparent;
  color: #fff;
  border-color: #fff;
}

.btn-outline:hover {
  background: #fff;
  color: var(--primary);
}

.btn-block {
  width: 100%;
}

/* ===== Top Bar ===== */
.top-bar {
  background: var(--primary-dark);
  color: #fff;
  font-size: 0.85rem;
  padding: 8px 0;
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

.top-bar-contact {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.top-bar-contact a:hover {
  color: var(--accent-light);
}

.top-bar-social {
  display: flex;
  gap: 16px;
}

.top-bar-social a:hover {
  color: var(--accent-light);
}

/* ===== Header ===== */
.header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.06);
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-icon {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.9rem;
}

.logo-text {
  font-size: 1.15rem;
  color: var(--primary-dark);
}

.logo-text strong {
  color: var(--accent);
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  padding: 10px 16px;
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--text);
  border-radius: 6px;
  transition: all var(--transition);
}

.nav-link:hover,
.nav-link.active {
  color: var(--accent);
  background: rgba(217, 119, 6, 0.08);
}

.dropdown-arrow {
  font-size: 0.7rem;
}

.nav-dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: #fff;
  min-width: 220px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition);
  border: 1px solid var(--border);
}

.nav-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-menu a {
  display: block;
  padding: 10px 14px;
  font-size: 0.9rem;
  border-radius: 6px;
  color: var(--text);
}

.dropdown-menu a:hover {
  background: var(--bg-alt);
  color: var(--accent);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--primary-dark);
  transition: var(--transition);
}

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  overflow: hidden;
}

.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='0.04'%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-content {
  position: relative;
  z-index: 1;
  padding: 60px 20px;
  max-width: 700px;
}

.hero h1 {
  font-size: 3rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero h1 span {
  color: var(--accent-light);
}

.hero p {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 32px;
}

.hero .btn {
  margin-right: 12px;
  margin-bottom: 12px;
}

.hero .btn-outline {
  color: #fff;
}

/* ===== Loans Grid ===== */
.loans-section {
  background: var(--bg-alt);
}

.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.loan-card {
  background: #fff;
  padding: 32px 24px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  transition: all var(--transition);
  border: 1px solid var(--border);
}

.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}

.loan-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.loan-card h3 {
  font-size: 1.2rem;
  color: var(--primary-dark);
  margin-bottom: 10px;
}

.loan-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 16px;
}

.loan-link {
  color: var(--accent);
  font-weight: 600;
  font-size: 0.9rem;
}

.loan-link:hover {
  color: var(--accent-light);
}

.insurance-section {
  background: #fff;
}

/* ===== Stats ===== */
.stats-section {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 60px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}

.stat-number {
  font-size: 3rem;
  font-weight: 800;
  color: var(--accent-light);
}

.stat-suffix {
  font-size: 2rem;
  font-weight: 800;
  color: var(--accent-light);
}

.stat-item p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.95rem;
  margin-top: 8px;
}

/* ===== About ===== */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.about-image-placeholder {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius);
  aspect-ratio: 4/3;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 2rem;
  font-weight: 800;
  text-align: center;
  line-height: 1.3;
  box-shadow: var(--shadow-lg);
}

.about-content h2 {
  font-size: 2rem;
  color: var(--primary-dark);
  margin-bottom: 20px;
}

.about-content p {
  color: var(--text-muted);
  margin-bottom: 16px;
}

.about-content .btn {
  margin-top: 8px;
}

/* ===== Features ===== */
.why-section {
  background: var(--bg-alt);
}

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

.feature-card {
  background: #fff;
  padding: 32px 24px;
  border-radius: var(--radius);
  text-align: center;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all var(--transition);
}

.feature-card:hover {
  transform: translateY(-4px);
  border-color: var(--accent);
}

.feature-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.feature-card h3 {
  font-size: 1.1rem;
  color: var(--primary-dark);
  margin-bottom: 8px;
}

.feature-card p {
  color: var(--text-muted);
  font-size: 0.9rem;
}

/* ===== EMI Calculator ===== */
.emi-section {
  background: #fff;
}

.emi-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

.emi-form {
  background: var(--bg-alt);
  padding: 32px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.form-group {
  margin-bottom: 24px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--primary-dark);
  margin-bottom: 8px;
}

.form-group input[type="number"],
.form-group input[type="text"],
.form-group input[type="tel"],
.form-group input[type="email"],
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
  transition: border-color var(--transition);
  background: #fff;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(217, 119, 6, 0.15);
}

.form-group input[type="range"] {
  width: 100%;
  margin-top: 8px;
  accent-color: var(--accent);
}

.tenure-toggle {
  display: flex;
  gap: 8px;
  margin-bottom: 8px;
}

.tenure-btn {
  padding: 6px 16px;
  border: 1px solid var(--border);
  background: #fff;
  border-radius: 6px;
  cursor: pointer;
  font-size: 0.85rem;
  font-weight: 500;
  transition: all var(--transition);
}

.tenure-btn.active {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}

.emi-results {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.emi-result-card {
  background: var(--bg-alt);
  padding: 24px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.emi-result-card.highlight {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  border: none;
}

.emi-result-card.highlight p {
  color: rgba(255, 255, 255, 0.8);
}

.emi-result-card.highlight h3 {
  color: var(--accent-light);
}

.emi-result-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.emi-result-card h3 {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.emi-chart {
  margin-top: 40px;
  padding: 24px;
  background: var(--bg-alt);
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.emi-chart canvas {
  max-height: 300px;
}

/* ===== Process ===== */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.process-step {
  text-align: center;
  padding: 24px;
}

.step-number {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: #fff;
  font-weight: 800;
  font-size: 1.1rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.process-step h3 {
  font-size: 1.05rem;
  color: var(--primary-dark);
  margin-bottom: 8px;
}

.process-step p {
  color: var(--text-muted);
  font-size: 0.9rem;
}

.cta-banner {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 40px 48px;
  border-radius: var(--radius);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}

.cta-banner h3 {
  color: #fff;
  font-size: 1.5rem;
  margin-bottom: 4px;
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.8);
}

/* ===== Careers ===== */
.careers-section {
  background: var(--bg-alt);
}

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

.career-card {
  background: #fff;
  padding: 32px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all var(--transition);
}

.career-card:hover {
  border-color: var(--accent);
  transform: translateY(-4px);
}

.career-card h3 {
  font-size: 1.2rem;
  color: var(--primary-dark);
  margin-bottom: 8px;
}

.career-type {
  display: inline-block;
  background: rgba(217, 119, 6, 0.1);
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 12px;
}

.career-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 20px;
}

/* ===== Contact ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
}

.contact-item {
  margin-bottom: 28px;
}

.contact-item h4 {
  font-size: 1rem;
  color: var(--primary-dark);
  margin-bottom: 8px;
  font-weight: 700;
}

.contact-item p,
.contact-item a {
  color: var(--text-muted);
  font-size: 0.95rem;
}

.contact-item a:hover {
  color: var(--accent);
}

.whatsapp-link {
  color: #25d366;
  font-weight: 600;
}

.whatsapp-link:hover {
  color: #128c7e;
}

.contact-form {
  background: var(--bg-alt);
  padding: 32px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* ===== Footer ===== */
.footer {
  background: var(--primary-dark);
  color: rgba(255, 255, 255, 0.8);
  padding-top: 60px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
}

.footer-logo .logo-text {
  color: #fff;
}

.footer-col p {
  margin-top: 16px;
  font-size: 0.9rem;
}

.footer-col h4 {
  color: #fff;
  font-size: 1rem;
  margin-bottom: 16px;
}

.footer-col ul li {
  margin-bottom: 10px;
  font-size: 0.9rem;
}

.footer-col a:hover {
  color: var(--accent-light);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 20px 0;
  text-align: center;
  font-size: 0.85rem;
}

/* ===== WhatsApp Float ===== */
.whatsapp-float {
  position: fixed;
  bottom: 30px;
  left: 30px;
  width: 56px;
  height: 56px;
  background: #25d366;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 999;
  box-shadow: 0 4px 16px rgba(37, 211, 102, 0.4);
  transition: all var(--transition);
}

.whatsapp-float:hover {
  background: #128c7e;
  transform: translateY(-4px);
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.5);
}

/* ===== Scroll Top ===== */
.scroll-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 48px;
  height: 48px;
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: 50%;
  font-size: 1.2rem;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
  z-index: 999;
  box-shadow: var(--shadow);
}

.scroll-top.visible {
  opacity: 1;
  visibility: visible;
}

.scroll-top:hover {
  background: var(--accent-light);
  transform: translateY(-4px);
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .features-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .nav-toggle {
    display: flex;
  }

  .nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background: #fff;
    box-shadow: var(--shadow-lg);
    transition: right var(--transition);
    z-index: 1001;
    padding: 80px 24px 24px;
  }

  .nav.open {
    right: 0;
  }

  .nav-list {
    flex-direction: column;
    align-items: stretch;
  }

  .nav-link {
    display: block;
    padding: 14px 16px;
  }

  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 0;
    margin-left: 16px;
    display: none;
  }

  .nav-dropdown.open .dropdown-menu {
    display: block;
  }

  .hero h1 {
    font-size: 2.2rem;
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .emi-wrapper {
    grid-template-columns: 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .careers-grid {
    grid-template-columns: 1fr;
  }

  .cta-banner {
    flex-direction: column;
    text-align: center;
    padding: 32px 24px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .top-bar-inner {
    justify-content: center;
    text-align: center;
  }

  .top-bar-contact {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .section {
    padding: 60px 0;
  }

  .section-header h2 {
    font-size: 1.75rem;
  }

  .stats-grid {
    grid-template-columns: 1fr;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .process-steps {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .loans-grid {
    grid-template-columns: 1fr;
  }
}