/* ============================================
   FintaxBazaar — Luxury Fintech Redesign
   Theme: Dark Premium + Gold Accents
   Fonts: Playfair Display + DM Sans
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;900&family=DM+Sans:wght@300;400;500;600;700&display=swap');

/* ---------- CSS Variables ---------- */
:root {
  --primary: #c8a96e;
  --primary-dark: #a8853e;
  --primary-light: #e8c98a;
  --primary-glow: rgba(200, 169, 110, 0.25);
  --accent: #ff6b35;
  --accent-dark: #cc4f1f;
  --success: #22d3a5;
  --warning: #fbbf24;
  --danger: #f87171;

  --dark: #050810;
  --dark-2: #0c1020;
  --dark-3: #141928;
  --dark-4: #1c2436;
  --dark-5: #242e42;

  --gray: #8896ab;
  --gray-light: #b0bec5;
  --light: #f0f4ff;
  --light-2: #e2e8f0;
  --white: #ffffff;

  --gradient-gold: linear-gradient(135deg, #c8a96e 0%, #f0d080 50%, #c8a96e 100%);
  --gradient-dark: linear-gradient(135deg, #0c1020 0%, #1c2436 100%);
  --gradient-hero: linear-gradient(135deg, #050810 0%, #0c1020 40%, #141928 100%);
  --gradient-card: linear-gradient(145deg, rgba(28, 36, 54, 0.9), rgba(12, 16, 32, 0.95));

  --shadow-gold: 0 8px 32px rgba(200, 169, 110, 0.3);
  --shadow-card: 0 20px 60px rgba(0,0,0,0.5);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.3);
  --shadow-lg: 0 30px 80px rgba(0,0,0,0.6);

  --border-gold: 1px solid rgba(200, 169, 110, 0.25);
  --border-subtle: 1px solid rgba(255,255,255,0.06);

  --radius: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);

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

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 85px;
}

body {
  font-family: var(--font-body);
  background: var(--dark);
  color: var(--gray-light);
  line-height: 1.75;
  overflow-x: hidden;
}

/* Custom scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--dark-2); }
::-webkit-scrollbar-thumb { background: var(--primary); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--primary-light); }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--white);
  line-height: 1.25;
}

h1 { font-size: clamp(2.2rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 3rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.9rem); }
h4 { font-size: 1.3rem; }
h5 { font-size: 1.1rem; }

p {
  font-family: var(--font-body);
  color: var(--gray);
  font-size: 1rem;
  font-weight: 400;
  margin-bottom: 1rem;
}

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

a:hover { color: var(--primary-light); }

img { max-width: 100%; height: auto; }

.section-padding { padding: 100px 0; }

/* ---------- Gold Text ---------- */
.text-gold {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---------- Section Title ---------- */
.section-title {
  text-align: center;
  margin-bottom: 60px;
}

.section-title .label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--primary);
  display: block;
  margin-bottom: 12px;
}

.section-title h2 {
  margin-bottom: 16px;
}

.section-title p {
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.8;
}

.section-title .title-line {
  width: 60px;
  height: 3px;
  background: var(--gradient-gold);
  border-radius: 2px;
  margin: 18px auto 0;
}

/* ---------- Buttons ---------- */
.btn-gold {
  background: var(--gradient-gold);
  color: var(--dark);
  border: none;
  padding: 14px 34px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 9px;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.btn-gold::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.3), transparent);
  opacity: 0;
  transition: var(--transition);
}

.btn-gold:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-gold);
  color: var(--dark);
}

.btn-gold:hover::before { opacity: 1; }

.btn-outline-gold {
  background: transparent;
  color: var(--primary);
  border: 1.5px solid var(--primary);
  padding: 13px 32px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 9px;
  cursor: pointer;
}

.btn-outline-gold:hover {
  background: var(--primary-glow);
  color: var(--primary-light);
  transform: translateY(-3px);
  border-color: var(--primary-light);
}

.btn-ghost {
  background: rgba(255,255,255,0.05);
  color: var(--white);
  border: var(--border-subtle);
  padding: 13px 32px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 9px;
  cursor: pointer;
  backdrop-filter: blur(10px);
}

.btn-ghost:hover {
  background: rgba(255,255,255,0.1);
  color: var(--white);
  transform: translateY(-3px);
}

/* Bootstrap overrides */
.btn-accent { background: linear-gradient(135deg, #c8a96e, #f0d080); color: var(--dark); border: none; padding: 12px 30px; border-radius: 50px; font-weight: 700; font-size: 0.95rem; transition: var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-accent:hover { transform: translateY(-3px); box-shadow: var(--shadow-gold); color: var(--dark); }
.btn-primary-custom { background: var(--gradient-gold); color: var(--dark); border: none; padding: 12px 28px; border-radius: 50px; font-weight: 700; font-size: 0.9rem; transition: var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-primary-custom:hover { transform: translateY(-3px); box-shadow: var(--shadow-gold); color: var(--dark); }
.btn-outline-custom { background: transparent; color: var(--primary); border: 1.5px solid var(--primary); padding: 11px 26px; border-radius: 50px; font-weight: 600; transition: var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-outline-custom:hover { background: var(--primary-glow); color: var(--primary-light); }

/* ---------- Navbar ---------- */
.navbar-custom {
  background: rgba(5, 8, 16, 0.92);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom: var(--border-gold);
  padding: 16px 0;
  transition: var(--transition);
  z-index: 1050;
}

.navbar-custom.scrolled {
  padding: 10px 0;
  background: rgba(5, 8, 16, 0.98);
  box-shadow: 0 4px 30px rgba(200, 169, 110, 0.1);
}

.navbar-custom .navbar-brand {
  font-family: var(--font-display);
  font-size: 1.55rem;
  font-weight: 900;
  letter-spacing: -0.01em;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 10px;
}

.navbar-custom .navbar-brand i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-size: 1.3rem;
}

.navbar-custom .navbar-brand span {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.navbar-custom .nav-link {
  color: rgba(255,255,255,0.65);
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.9rem;
  letter-spacing: 0.01em;
  padding: 8px 16px !important;
  border-radius: 8px;
  transition: var(--transition);
}

.navbar-custom .nav-link:hover,
.navbar-custom .nav-link.active {
  color: var(--primary);
  background: rgba(200, 169, 110, 0.08);
}

.navbar-custom .dropdown-menu {
  background: var(--dark-3);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 8px;
  box-shadow: var(--shadow-card);
}

.navbar-custom .dropdown-item {
  color: var(--gray-light);
  font-family: var(--font-body);
  font-size: 0.9rem;
  padding: 10px 16px;
  border-radius: 8px;
  transition: var(--transition);
}

.navbar-custom .dropdown-item:hover {
  background: rgba(200, 169, 110, 0.1);
  color: var(--primary);
}

.navbar-phone {
  display: flex;
  align-items: center;
  gap: 7px;
  color: var(--gray-light);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.875rem;
  transition: var(--transition);
}

.navbar-phone:hover { color: var(--primary); }
.navbar-phone i { color: var(--success); }

/* Navbar toggler */
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(200,169,110,0.9)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

/* ---------- Hero Section ---------- */
.hero-section {
  background: var(--gradient-hero);
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: 90px;
  position: relative;
  overflow: hidden;
}

/* Background mesh */
.hero-section::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -15%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(200, 169, 110, 0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero-section::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(200, 169, 110, 0.07) 0%, transparent 70%);
  pointer-events: none;
}

/* Floating grid lines */
.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(200, 169, 110, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200, 169, 110, 0.04) 1px, transparent 1px);
  background-size: 80px 80px;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200, 169, 110, 0.1);
  border: var(--border-gold);
  color: var(--primary);
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  padding: 7px 18px;
  border-radius: 50px;
  margin-bottom: 24px;
}

.hero-eyebrow .dot {
  width: 7px;
  height: 7px;
  background: var(--primary);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.7); }
}

.hero-content h1 {
  font-size: clamp(2.4rem, 5.5vw, 3.5rem);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -0.02em;
}

.hero-content h1 .highlight {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-content > p {
  color: rgba(255,255,255,0.6);
  font-size: 1.15rem;
  font-weight: 400;
  margin-bottom: 36px;
  max-width: 480px;
  line-height: 1.8;
}

.hero-cta {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.hero-badge {
  background: rgba(255,255,255,0.04);
  border: var(--border-gold);
  color: rgba(255,255,255,0.75);
  padding: 8px 16px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 7px;
  backdrop-filter: blur(10px);
  transition: var(--transition);
}

.hero-badge:hover {
  background: rgba(200, 169, 110, 0.12);
  color: var(--primary);
  border-color: rgba(200, 169, 110, 0.5);
}

.hero-badge i { color: var(--primary); font-size: 0.85rem; }

/* ---------- EMI Calculator Box ---------- */
.emi-calculator-box {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-card);
  position: relative;
  z-index: 2;
  backdrop-filter: blur(20px);
  overflow: hidden;
}

.emi-calculator-box::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
}

.emi-calculator-box h3 {
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 30px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.emi-calculator-box h3 i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.emi-calculator-box .form-label {
  color: rgba(255,255,255,0.7);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.range-value {
  background: var(--gradient-gold);
  color: var(--dark);
  padding: 4px 14px;
  border-radius: 20px;
  font-size: 0.82rem;
  font-weight: 800;
  display: inline-block;
  letter-spacing: 0.01em;
}

input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 3px;
  background: rgba(255,255,255,0.1);
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gradient-gold);
  cursor: pointer;
  box-shadow: 0 2px 12px rgba(200, 169, 110, 0.5);
  border: 2px solid var(--dark);
  transition: var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 4px 20px rgba(200, 169, 110, 0.7);
}

.emi-result {
  background: rgba(200, 169, 110, 0.07);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 24px;
  text-align: center;
}

.emi-amount {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 900;
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  letter-spacing: -0.02em;
}

.emi-result small {
  color: var(--gray);
  font-family: var(--font-body);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.emi-result strong {
  color: var(--white);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.95rem;
}

/* ---------- Trust Badges Bar ---------- */
.trust-badges {
  background: rgba(255,255,255,0.03);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  padding: 24px 32px;
  margin-top: 40px;
  backdrop-filter: blur(10px);
}

.trust-item {
  text-align: center;
}

.trust-item i {
  font-size: 1.4rem;
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  display: block;
  margin-bottom: 6px;
}

.trust-item h6 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 700;
  margin-bottom: 2px;
}

.trust-item small {
  color: var(--gray);
  font-size: 0.72rem;
}

/* ---------- How It Works ---------- */
.how-it-works {
  background: var(--dark-2);
  position: relative;
}

.how-it-works::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: var(--gradient-gold);
  opacity: 0.3;
}

.step-card {
  text-align: center;
  padding: 40px 24px;
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius-lg);
  position: relative;
  transition: var(--transition);
  height: 100%;
  overflow: hidden;
}

.step-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
  transform: scaleX(0);
  transition: var(--transition);
}

.step-card:hover {
  transform: translateY(-8px);
  border-color: rgba(200, 169, 110, 0.35);
  box-shadow: 0 20px 50px rgba(200, 169, 110, 0.1);
}

.step-card:hover::before { transform: scaleX(1); }

.step-number-bg {
  position: absolute;
  top: 16px;
  right: 20px;
  font-family: var(--font-display);
  font-size: 5rem;
  font-weight: 900;
  color: rgba(200, 169, 110, 0.04);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

.step-icon {
  width: 80px;
  height: 80px;
  background: rgba(200, 169, 110, 0.1);
  border: var(--border-gold);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 1.8rem;
  position: relative;
  transition: var(--transition);
}

.step-icon i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.step-card:hover .step-icon {
  background: var(--gradient-gold);
  border-color: transparent;
}

.step-card:hover .step-icon i {
  -webkit-text-fill-color: var(--dark);
  background: none;
  color: var(--dark);
}

.step-number {
  position: absolute;
  top: -8px;
  right: -8px;
  width: 28px;
  height: 28px;
  background: var(--gradient-gold);
  color: var(--dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 800;
  font-family: var(--font-body);
  border: 2px solid var(--dark-3);
}

.step-card h5 {
  color: var(--white);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  margin-bottom: 10px;
}

.step-card p {
  font-size: 0.88rem;
  line-height: 1.7;
  color: var(--gray);
  margin-bottom: 0;
}

/* ---------- Loan Product Cards ---------- */
.loan-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--transition);
  height: 100%;
  position: relative;
  overflow: hidden;
}

.loan-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}

.loan-card:hover {
  transform: translateY(-10px);
  border-color: rgba(200, 169, 110, 0.3);
  box-shadow: 0 30px 70px rgba(0,0,0,0.5), 0 0 30px rgba(200, 169, 110, 0.1);
}

.loan-card:hover::after { transform: scaleX(1); }

.loan-card-icon {
  width: 64px;
  height: 64px;
  background: rgba(200, 169, 110, 0.1);
  border: var(--border-gold);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  transition: var(--transition);
}

.loan-card-icon i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.loan-card:hover .loan-card-icon {
  background: var(--gradient-gold);
  border-color: transparent;
}

.loan-card:hover .loan-card-icon i {
  -webkit-text-fill-color: var(--dark);
  background: none;
  color: var(--dark);
}

.loan-card h4 {
  color: var(--white);
  font-size: 1.15rem;
  margin-bottom: 18px;
  font-family: var(--font-display);
}

.loan-detail {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.88rem;
}

.loan-detail:last-of-type { border-bottom: none; }

.loan-detail span:first-child {
  color: var(--gray);
  font-family: var(--font-body);
}

.loan-detail span:last-child {
  font-weight: 700;
  color: var(--primary);
  font-family: var(--font-body);
}

/* ---------- Feature Box (Why Choose Us) ---------- */
.why-section {
  background: var(--dark);
  position: relative;
}

.feature-box {
  text-align: center;
  padding: 36px 24px;
  border-radius: var(--radius-lg);
  border: var(--border-subtle);
  background: var(--gradient-card);
  transition: var(--transition);
  height: 100%;
  cursor: default;
}

.feature-box:hover {
  border-color: rgba(200, 169, 110, 0.3);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4), 0 0 30px rgba(200, 169, 110, 0.06);
  transform: translateY(-6px);
}

.feature-icon {
  width: 72px;
  height: 72px;
  background: rgba(200, 169, 110, 0.08);
  border: var(--border-gold);
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.7rem;
  transition: var(--transition);
}

.feature-icon i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.feature-box:hover .feature-icon {
  background: var(--gradient-gold);
  border-color: transparent;
  transform: rotateY(180deg);
}

.feature-box:hover .feature-icon i {
  -webkit-text-fill-color: var(--dark);
  background: none;
  color: var(--dark);
}

.feature-box h5 {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1rem;
  margin-bottom: 10px;
}

.feature-box p {
  font-size: 0.875rem;
  margin-bottom: 0;
  line-height: 1.7;
}

/* ---------- Stats Section ---------- */
.stats-section {
  background: var(--dark-2);
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(200, 169, 110, 0.07) 0%, transparent 70%);
  pointer-events: none;
}

.stat-item {
  text-align: center;
  padding: 24px;
  position: relative;
}

.stat-item + .stat-item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 60%;
  background: rgba(200, 169, 110, 0.2);
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  display: block;
  margin-bottom: 8px;
  letter-spacing: -0.03em;
}

.stat-label {
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 600;
}

/* ---------- Testimonials ---------- */
.testimonial-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px;
  height: 100%;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: -10px;
  right: 20px;
  font-family: var(--font-display);
  font-size: 8rem;
  color: rgba(200, 169, 110, 0.07);
  line-height: 1;
  pointer-events: none;
}

.testimonial-card:hover {
  border-color: rgba(200, 169, 110, 0.3);
  transform: translateY(-6px);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
}

.testimonial-stars {
  margin-bottom: 18px;
}

.testimonial-stars i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-size: 1rem;
  margin-right: 2px;
}

.testimonial-text {
  color: rgba(255,255,255,0.75);
  font-style: italic;
  font-size: 0.93rem;
  line-height: 1.85;
  margin-bottom: 24px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testimonial-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--gradient-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--dark);
  font-weight: 900;
  font-size: 1rem;
  font-family: var(--font-display);
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(200, 169, 110, 0.3);
}

.testimonial-author h6 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 700;
  margin-bottom: 3px;
}

.testimonial-author small {
  color: var(--gray);
  font-size: 0.78rem;
}

/* ---------- Eligibility Section ---------- */
.eligibility-section {
  background: var(--dark-2);
}

.eligibility-box {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-card);
  max-width: 520px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
}

.eligibility-box::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
}

/* ---------- Form Controls (Dark) ---------- */
.form-control,
.form-select {
  background: rgba(255,255,255,0.04) !important;
  border: 1px solid rgba(255,255,255,0.1) !important;
  color: var(--white) !important;
  font-family: var(--font-body) !important;
  font-size: 0.92rem !important;
  border-radius: 10px !important;
  padding: 12px 16px !important;
  transition: var(--transition) !important;
}

.form-control::placeholder { color: rgba(255,255,255,0.3) !important; }

.form-control:focus,
.form-select:focus {
  border-color: rgba(200, 169, 110, 0.6) !important;
  box-shadow: 0 0 0 3px rgba(200, 169, 110, 0.1) !important;
  background: rgba(200, 169, 110, 0.05) !important;
}

.form-select option {
  background: var(--dark-3) !important;
  color: var(--white) !important;
}

.form-label {
  color: rgba(255,255,255,0.65) !important;
  font-family: var(--font-body) !important;
  font-size: 0.82rem !important;
  font-weight: 600 !important;
  letter-spacing: 0.04em !important;
  text-transform: uppercase !important;
  margin-bottom: 8px !important;
}

.form-check-input {
  background-color: rgba(255,255,255,0.05) !important;
  border-color: rgba(200, 169, 110, 0.4) !important;
}

.form-check-input:checked {
  background-color: var(--primary) !important;
  border-color: var(--primary) !important;
}

.form-check-label {
  color: rgba(255,255,255,0.7) !important;
  font-family: var(--font-body) !important;
  font-size: 0.88rem !important;
}

.input-group-text {
  background: rgba(200, 169, 110, 0.1) !important;
  border: 1px solid rgba(255,255,255,0.1) !important;
  color: var(--primary) !important;
  font-family: var(--font-body) !important;
  font-weight: 600 !important;
}

/* ---------- FAQ Section ---------- */
.faq-section {
  background: var(--dark);
}

.faq-section .accordion-item {
  background: var(--gradient-card) !important;
  border: var(--border-subtle) !important;
  border-radius: var(--radius) !important;
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-section .accordion-item:hover {
  border-color: rgba(200, 169, 110, 0.25) !important;
}

.faq-section .accordion-button {
  background: transparent !important;
  color: var(--white) !important;
  font-family: var(--font-body) !important;
  font-weight: 600 !important;
  font-size: 0.95rem !important;
  padding: 20px 24px !important;
  border: none !important;
  box-shadow: none !important;
}

.faq-section .accordion-button:not(.collapsed) {
  color: var(--primary) !important;
  background: rgba(200, 169, 110, 0.05) !important;
}

.faq-section .accordion-button::after {
  filter: invert(1) sepia(1) saturate(3) hue-rotate(10deg);
  opacity: 0.7;
}

.faq-section .accordion-body {
  color: var(--gray) !important;
  font-family: var(--font-body) !important;
  font-size: 0.9rem !important;
  padding: 0 24px 20px !important;
  line-height: 1.85 !important;
  background: transparent !important;
}

/* ---------- App Download Section ---------- */
.app-download-section {
  background: var(--dark-3);
  position: relative;
  overflow: hidden;
}

.app-download-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200, 169, 110, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.app-download-section h2 { color: var(--white); }
.app-download-section p { color: var(--gray); }

.app-feature-list {
  list-style: none;
  padding: 0;
}

.app-feature-list li {
  color: rgba(255,255,255,0.75);
  font-family: var(--font-body);
  font-size: 0.92rem;
  padding: 9px 0;
  display: flex;
  align-items: center;
  gap: 12px;
}

.app-feature-list li i { color: var(--success); font-size: 0.95rem; }

.app-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--gradient-card);
  border: var(--border-gold);
  color: var(--white) !important;
  padding: 14px 24px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.88rem;
  transition: var(--transition);
  text-decoration: none;
}

.app-btn:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
  background: rgba(200, 169, 110, 0.1);
}

.app-btn i { font-size: 1.6rem; color: var(--primary); }

/* ---------- CTA Section ---------- */
.cta-section {
  background: var(--dark-2);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(200, 169, 110, 0.08) 0%, transparent 65%);
  pointer-events: none;
}

.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p { color: var(--gray); font-size: 1.05rem; margin-bottom: 36px; }

/* ---------- Footer ---------- */
.footer {
  background: var(--dark-2);
  border-top: var(--border-gold);
  padding-top: 70px;
}

.footer h5 {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.05rem;
  margin-bottom: 22px;
}

.footer-brand p {
  font-size: 0.875rem;
  margin-bottom: 18px;
  color: var(--gray);
  line-height: 1.8;
}

.footer-social {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.footer-social a {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.05);
  border: var(--border-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 0.9rem;
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--primary);
  color: var(--dark);
  transform: translateY(-3px);
  border-color: var(--primary);
}

.footer-links {
  list-style: none;
  padding: 0;
}

.footer-links li { margin-bottom: 10px; }

.footer-links a {
  color: var(--gray);
  font-family: var(--font-body);
  font-size: 0.875rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-links a::before {
  content: '›';
  color: var(--primary);
  font-weight: 700;
  opacity: 0;
  transform: translateX(-5px);
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--primary);
  padding-left: 8px;
}

.footer-links a:hover::before {
  opacity: 1;
  transform: translateX(0);
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 0.875rem;
  color: var(--gray);
  font-family: var(--font-body);
}

.footer-contact li i { color: var(--primary); margin-top: 4px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 22px 0;
  margin-top: 50px;
}

.footer-bottom p {
  color: rgba(255,255,255,0.3);
  font-family: var(--font-body);
  font-size: 0.82rem;
  margin-bottom: 0;
}

.footer-bottom a {
  color: rgba(255,255,255,0.4);
  transition: var(--transition);
}

.footer-bottom a:hover { color: var(--primary); }

.rbi-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: rgba(200, 169, 110, 0.08);
  border: var(--border-gold);
  padding: 9px 18px;
  border-radius: 10px;
  color: var(--primary);
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 600;
  margin-top: 18px;
}

.rbi-badge i { color: var(--success); }

/* ---------- Page Header / Breadcrumb ---------- */
.page-header {
  background: var(--gradient-hero);
  padding: 130px 0 70px;
  position: relative;
  overflow: hidden;
  border-bottom: var(--border-gold);
}

.page-header::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(200, 169, 110, 0.1) 0%, transparent 70%);
  pointer-events: none;
}

.page-header h1 {
  color: var(--white);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  margin-bottom: 12px;
}

.page-header p {
  color: rgba(255,255,255,0.6);
  font-size: 1.05rem;
}

.page-header .breadcrumb {
  background: transparent;
  margin-bottom: 0;
  padding: 0;
}

.page-header .breadcrumb-item a { color: var(--primary); }
.page-header .breadcrumb-item.active { color: rgba(255,255,255,0.5); }
.page-header .breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,0.3); }

/* ---------- About Page ---------- */
.timeline::before {
  background: linear-gradient(to bottom, transparent, var(--primary), transparent);
  opacity: 0.3;
}

.timeline-dot {
  background: var(--primary);
  border: 3px solid var(--dark-2);
}

.value-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  height: 100%;
  transition: var(--transition);
}

.value-card:hover {
  transform: translateY(-6px);
  border-color: rgba(200, 169, 110, 0.3);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
}

.value-card .icon { font-size: 2.2rem; margin-bottom: 14px; }
.value-card h5 { color: var(--white); margin-bottom: 10px; }

.cert-card {
  display: flex;
  align-items: center;
  gap: 20px;
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 26px;
  transition: var(--transition);
}

.cert-card:hover { transform: translateX(6px); border-color: rgba(200, 169, 110, 0.5); }

.cert-icon {
  width: 60px;
  height: 60px;
  background: rgba(200, 169, 110, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.cert-icon i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---------- Product Page ---------- */
.product-feature {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  height: 100%;
  transition: var(--transition);
}

.product-feature:hover {
  border-color: rgba(200, 169, 110, 0.3);
  transform: translateY(-5px);
  box-shadow: 0 20px 50px rgba(0,0,0,0.4);
}

.product-feature i {
  font-size: 2rem;
  margin-bottom: 16px;
  display: block;
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.product-feature h5 { color: var(--white); font-size: 0.95rem; margin-bottom: 8px; }
.product-feature p { font-size: 0.88rem; margin-bottom: 0; color: var(--primary); font-weight: 700; }

.eligibility-list {
  list-style: none;
  padding: 0;
}

.eligibility-list li {
  padding: 12px 0;
  display: flex;
  align-items: center;
  gap: 12px;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  color: rgba(255,255,255,0.75);
  font-family: var(--font-body);
  font-size: 0.9rem;
}

.eligibility-list li:last-child { border-bottom: none; }
.eligibility-list li i { color: var(--success); font-size: 1rem; }

.doc-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 24px;
  height: 100%;
}

.doc-card h5 {
  color: var(--primary);
  margin-bottom: 16px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
}

.doc-list { list-style: none; padding: 0; }

.doc-list li {
  padding: 7px 0;
  display: flex;
  align-items: center;
  gap: 9px;
  font-family: var(--font-body);
  font-size: 0.875rem;
  color: var(--gray);
  border-bottom: 1px solid rgba(255,255,255,0.04);
}

.doc-list li:last-child { border-bottom: none; }
.doc-list li i { color: var(--primary); font-size: 0.85rem; }

.charges-table {
  border-radius: var(--radius);
  overflow: hidden;
  border: var(--border-subtle);
}

.charges-table table { margin-bottom: 0; }

.charges-table th {
  background: rgba(200, 169, 110, 0.15) !important;
  color: var(--primary) !important;
  font-family: var(--font-body) !important;
  font-weight: 700 !important;
  font-size: 0.82rem !important;
  text-transform: uppercase !important;
  letter-spacing: 0.05em !important;
  padding: 16px 20px !important;
  border-color: rgba(255,255,255,0.05) !important;
}

.charges-table td {
  background: var(--gradient-card) !important;
  color: rgba(255,255,255,0.75) !important;
  font-family: var(--font-body) !important;
  font-size: 0.88rem !important;
  padding: 14px 20px !important;
  border-color: rgba(255,255,255,0.05) !important;
}

.charges-table tr:hover td { background: rgba(200, 169, 110, 0.04) !important; }

.use-case-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  transition: var(--transition);
  height: 100%;
}

.use-case-card:hover {
  transform: translateY(-6px);
  border-color: rgba(200, 169, 110, 0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.4);
}

.use-case-card .icon { font-size: 2.5rem; margin-bottom: 14px; }
.use-case-card h5 { color: var(--white); font-size: 0.95rem; margin-bottom: 8px; }
.use-case-card .small { font-size: 0.82rem; }

/* ---------- Apply Form (Multi-Step) ---------- */
.apply-section {
  background: var(--dark);
  min-height: 100vh;
  padding-top: 110px;
  padding-bottom: 80px;
}

.progress-steps {
  display: flex;
  justify-content: center;
  margin-bottom: 48px;
  flex-wrap: wrap;
  gap: 6px;
}

.progress-step {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray);
  background: var(--gradient-card);
  border: var(--border-subtle);
  transition: var(--transition);
}

.progress-step.active {
  background: var(--gradient-gold);
  color: var(--dark);
  border-color: transparent;
  box-shadow: var(--shadow-gold);
}

.progress-step.completed {
  background: rgba(34, 211, 165, 0.15);
  color: var(--success);
  border-color: rgba(34, 211, 165, 0.3);
}

.progress-step .step-num {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(0,0,0,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.72rem;
  font-weight: 800;
}

.form-step { display: none; }

.form-step.active {
  display: block;
  animation: fadeInUp 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-card);
  max-width: 720px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
}

.form-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
}

.form-card h3 {
  color: var(--white);
  margin-bottom: 32px;
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.5rem;
}

.form-card h3 i { color: var(--primary); }

.form-navigation {
  display: flex;
  justify-content: space-between;
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.06);
}

/* ---------- Success Page ---------- */
.success-page {
  text-align: center;
  padding: 40px;
}

.success-icon {
  width: 100px;
  height: 100px;
  background: rgba(34, 211, 165, 0.1);
  border: 1px solid rgba(34, 211, 165, 0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 28px;
  font-size: 3rem;
  color: var(--success);
  animation: scaleIn 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

@keyframes scaleIn {
  from { transform: scale(0); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

.app-id {
  background: rgba(200, 169, 110, 0.1);
  border: var(--border-gold);
  padding: 12px 28px;
  border-radius: var(--radius);
  display: inline-block;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin: 16px 0;
  letter-spacing: 0.05em;
}

.timeline-steps { text-align: left; max-width: 360px; margin: 28px auto; }

.timeline-step-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  font-family: var(--font-body);
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

.timeline-step-item:last-child { border-bottom: none; }
.timeline-step-item i { color: var(--primary); }

/* ---------- Upload Area ---------- */
.upload-area {
  border: 2px dashed rgba(200, 169, 110, 0.25);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  background: rgba(200, 169, 110, 0.03);
}

.upload-area:hover {
  border-color: rgba(200, 169, 110, 0.6);
  background: rgba(200, 169, 110, 0.07);
}

.upload-area i {
  font-size: 1.8rem;
  color: var(--primary);
  opacity: 0.6;
  margin-bottom: 8px;
  display: block;
}

.upload-area p {
  font-size: 0.82rem;
  margin-bottom: 0;
  color: var(--gray);
}

.uploaded-file {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  background: rgba(34, 211, 165, 0.08);
  border: 1px solid rgba(34, 211, 165, 0.25);
  border-radius: var(--radius);
  margin-top: 10px;
}

.uploaded-file i { color: var(--success); }
.uploaded-file .file-name { flex: 1; font-size: 0.82rem; color: rgba(255,255,255,0.75); font-family: var(--font-body); }
.uploaded-file .remove-btn { color: var(--danger); cursor: pointer; background: none; border: none; }

.review-section {
  background: rgba(255,255,255,0.03);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 20px;
  margin-bottom: 14px;
}

.review-section h6 {
  color: var(--primary);
  margin-bottom: 12px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-body);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
}

.review-row {
  display: flex;
  justify-content: space-between;
  padding: 5px 0;
  font-family: var(--font-body);
  font-size: 0.875rem;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}

.review-row:last-child { border-bottom: none; }
.review-row .label { color: var(--gray); }
.review-row .value { font-weight: 600; color: var(--white); }

/* ---------- Dashboard ---------- */
.dashboard-layout {
  display: flex;
  min-height: 100vh;
  padding-top: 70px;
}

.dashboard-sidebar {
  width: 265px;
  background: var(--dark-2);
  border-right: var(--border-gold);
  padding: 24px 0;
  position: fixed;
  top: 70px;
  left: 0;
  bottom: 0;
  overflow-y: auto;
  z-index: 1000;
  transition: var(--transition);
}

.sidebar-menu { list-style: none; padding: 0; margin: 0; }

.sidebar-menu li a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 13px 26px;
  color: var(--gray);
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 500;
  transition: var(--transition);
  border-left: 3px solid transparent;
  letter-spacing: 0.01em;
}

.sidebar-menu li a:hover,
.sidebar-menu li a.active {
  color: var(--primary);
  background: rgba(200, 169, 110, 0.07);
  border-left-color: var(--primary);
}

.sidebar-menu li a i { width: 20px; text-align: center; font-size: 0.95rem; }

.dashboard-content {
  margin-left: 265px;
  padding: 32px;
  width: calc(100% - 265px);
  background: var(--dark);
  min-height: calc(100vh - 70px);
}

.welcome-banner {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 32px;
  position: relative;
  overflow: hidden;
}

.welcome-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
}

.welcome-banner h4 {
  color: var(--white);
  font-size: 1.2rem;
  margin-bottom: 6px;
}

.welcome-banner p { color: var(--gray); margin-bottom: 0; font-size: 0.88rem; }

.stat-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 26px;
  transition: var(--transition);
}

.stat-card:hover {
  border-color: rgba(200, 169, 110, 0.3);
  transform: translateY(-3px);
  box-shadow: 0 20px 50px rgba(0,0,0,0.4);
}

.stat-card .stat-icon {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
}

.stat-card h3 { color: var(--white); font-family: var(--font-display); font-size: 1.6rem; margin-bottom: 4px; }
.stat-card p { font-size: 0.8rem; margin-bottom: 0; text-transform: uppercase; letter-spacing: 0.06em; }

.loan-detail-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 30px;
  transition: var(--transition);
}

.loan-detail-card:hover { border-color: rgba(200, 169, 110, 0.2); }

.loan-detail-card h5 { color: var(--white); font-family: var(--font-display); font-size: 1.05rem; }

.loan-progress {
  height: 8px;
  border-radius: 4px;
  background: rgba(255,255,255,0.07);
  margin: 14px 0;
  overflow: hidden;
}

.loan-progress .progress-bar {
  border-radius: 4px;
  background: var(--gradient-gold);
}

/* Tables */
.transaction-table th {
  background: rgba(255,255,255,0.04) !important;
  font-family: var(--font-body) !important;
  font-weight: 700 !important;
  font-size: 0.78rem !important;
  text-transform: uppercase !important;
  letter-spacing: 0.06em !important;
  color: var(--gray) !important;
  padding: 12px 16px !important;
  border-color: rgba(255,255,255,0.05) !important;
}

.transaction-table td {
  font-family: var(--font-body) !important;
  font-size: 0.875rem !important;
  color: rgba(255,255,255,0.7) !important;
  padding: 12px 16px !important;
  border-color: rgba(255,255,255,0.05) !important;
  vertical-align: middle !important;
  background: transparent !important;
}

.table {
  --bs-table-bg: transparent !important;
  --bs-table-striped-bg: rgba(255,255,255,0.02) !important;
  --bs-table-hover-bg: rgba(200, 169, 110, 0.04) !important;
  --bs-table-border-color: rgba(255,255,255,0.05) !important;
  --bs-table-color: rgba(255,255,255,0.7) !important;
}

.table-striped > tbody > tr:nth-of-type(odd) > td {
  background: rgba(255,255,255,0.02) !important;
}

/* Status Badges */
.status-badge {
  padding: 5px 14px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.status-paid { background: rgba(34,211,165,0.12); color: var(--success); border: 1px solid rgba(34,211,165,0.25); }
.status-pending { background: rgba(251,191,36,0.12); color: var(--warning); border: 1px solid rgba(251,191,36,0.25); }
.status-overdue { background: rgba(248,113,113,0.12); color: var(--danger); border: 1px solid rgba(248,113,113,0.25); }
.status-approved { background: rgba(34,211,165,0.12); color: var(--success); border: 1px solid rgba(34,211,165,0.25); }
.status-rejected { background: rgba(248,113,113,0.12); color: var(--danger); border: 1px solid rgba(248,113,113,0.25); }
.status-review { background: rgba(200,169,110,0.12); color: var(--primary); border: var(--border-gold); }

.quick-action-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 22px;
  text-align: center;
  transition: var(--transition);
  cursor: pointer;
}

.quick-action-card:hover {
  border-color: rgba(200, 169, 110, 0.3);
  transform: translateY(-4px);
  box-shadow: 0 20px 50px rgba(0,0,0,0.4);
}

.quick-action-card i {
  font-size: 1.7rem;
  display: block;
  margin-bottom: 10px;
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.quick-action-card p { font-size: 0.82rem; font-weight: 700; color: rgba(255,255,255,0.7); margin-bottom: 0; font-family: var(--font-body); }

/* ---------- Admin Panel ---------- */
.kpi-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 22px;
  position: relative;
  overflow: hidden;
  transition: var(--transition);
}

.kpi-card:hover {
  transform: translateY(-3px);
  border-color: rgba(200, 169, 110, 0.25);
}

.kpi-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 3px;
  height: 100%;
}

.kpi-card.kpi-blue::after { background: var(--primary); }
.kpi-card.kpi-green::after { background: var(--success); }
.kpi-card.kpi-orange::after { background: var(--accent); }
.kpi-card.kpi-red::after { background: var(--danger); }

.kpi-card h6 { color: var(--gray); font-family: var(--font-body); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 8px; }
.kpi-card .kpi-value { font-family: var(--font-display); font-size: 1.7rem; font-weight: 900; color: var(--white); margin-bottom: 6px; }
.kpi-card .kpi-change { font-family: var(--font-body); font-size: 0.78rem; font-weight: 700; }
.kpi-change.positive { color: var(--success); }
.kpi-change.negative { color: var(--danger); }

.chart-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius);
  padding: 26px;
  margin-bottom: 26px;
}

.chart-card h5 { color: var(--white); font-family: var(--font-display); margin-bottom: 22px; font-size: 1.05rem; }

.funnel-label { width: 120px; font-family: var(--font-body); font-size: 0.82rem; font-weight: 600; text-align: right; color: var(--gray); }
.funnel-track { background: rgba(255,255,255,0.06) !important; }

.funnel-fill {
  height: 100%;
  border-radius: 6px;
  display: flex;
  align-items: center;
  padding-left: 12px;
  color: var(--dark);
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  transition: width 1.5s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Contact Page ---------- */
.contact-card {
  background: var(--gradient-card);
  border: var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  height: 100%;
  transition: var(--transition);
}

.contact-card:hover {
  transform: translateY(-6px);
  border-color: rgba(200, 169, 110, 0.3);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
}

.contact-icon {
  width: 70px;
  height: 70px;
  background: rgba(200, 169, 110, 0.08);
  border: var(--border-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.5rem;
  transition: var(--transition);
}

.contact-card:hover .contact-icon {
  background: var(--gradient-gold);
  border-color: transparent;
}

.contact-icon i {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  transition: var(--transition);
}

.contact-card:hover .contact-icon i {
  -webkit-text-fill-color: var(--dark);
  background: none;
  color: var(--dark);
}

.contact-card h5 { color: var(--white); margin-bottom: 10px; }
.contact-card p { font-size: 0.875rem; margin-bottom: 4px; }

.contact-form-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-card);
}

.map-container {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: var(--border-gold);
  height: 350px;
}

.map-container iframe { width: 100%; height: 100%; border: 0; }

/* ---------- Legal Pages ---------- */
.legal-content {
  max-width: 900px;
  margin: 0 auto;
}

.legal-content h3 {
  color: var(--primary);
  margin-top: 40px;
  margin-bottom: 16px;
  font-family: var(--font-body);
  font-size: 1.15rem;
  font-weight: 700;
}

.legal-content p, .legal-content li {
  font-family: var(--font-body);
  font-size: 0.92rem;
  line-height: 1.85;
  color: var(--gray);
}

.legal-content ul { padding-left: 22px; }
.legal-content ul li { margin-bottom: 8px; }

.toc-list {
  list-style: none;
  padding: 24px 28px;
  background: rgba(200, 169, 110, 0.05);
  border: var(--border-gold);
  border-radius: var(--radius);
}

.toc-list li { padding: 6px 0; }
.toc-list li a { color: var(--primary); font-family: var(--font-body); font-weight: 500; font-size: 0.88rem; }
.toc-list li a:hover { color: var(--primary-light); text-decoration: underline; }

.legal-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-xl);
  padding: 52px;
  box-shadow: var(--shadow-card);
}

/* ---------- Login Pages ---------- */
.login-section {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gradient-hero);
  padding: 20px;
  position: relative;
}

.login-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(200, 169, 110, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200, 169, 110, 0.04) 1px, transparent 1px);
  background-size: 80px 80px;
  pointer-events: none;
}

.login-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: 440px;
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.login-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-gold);
}

.login-card .logo {
  text-align: center;
  margin-bottom: 32px;
}

.login-card .logo h3 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 4px;
}

.login-card .logo h3 span {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.login-card .logo p { font-size: 0.82rem; color: var(--gray); margin-bottom: 0; }

.demo-credentials {
  background: rgba(200, 169, 110, 0.06);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 16px;
  margin-top: 20px;
}

.demo-credentials h6 { color: var(--primary); font-family: var(--font-body); font-size: 0.8rem; margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.06em; }
.demo-credentials p { font-family: var(--font-body); font-size: 0.78rem; margin-bottom: 3px; color: rgba(255,255,255,0.6); }

/* ---------- Live Chat Widget ---------- */
.chat-widget { position: fixed; bottom: 28px; right: 28px; z-index: 9999; }

.chat-btn {
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: var(--gradient-gold);
  color: var(--dark);
  border: none;
  font-size: 1.4rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: var(--shadow-gold);
  transition: var(--transition);
  position: relative;
}

.chat-btn:hover { transform: scale(1.1); }

.chat-btn .pulse {
  position: absolute;
  width: 100%;
  height: 100%;
  border-radius: 50%;
  background: var(--primary);
  animation: chat-pulse 2.5s infinite;
  z-index: -1;
}

@keyframes chat-pulse {
  0% { transform: scale(1); opacity: 0.6; }
  100% { transform: scale(1.8); opacity: 0; }
}

.chat-popup {
  position: absolute;
  bottom: 74px;
  right: 0;
  width: 330px;
  background: var(--dark-3);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: none;
  overflow: hidden;
}

.chat-popup.show {
  display: block;
  animation: fadeInUp 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.chat-popup-header {
  background: var(--gradient-gold);
  padding: 18px 22px;
  color: var(--dark);
}

.chat-popup-header h6 { color: var(--dark); font-family: var(--font-body); font-weight: 800; margin-bottom: 2px; }
.chat-popup-header small { color: rgba(0,0,0,0.6); font-size: 0.75rem; }

.chat-popup-body {
  padding: 18px;
  max-height: 280px;
  overflow-y: auto;
  background: var(--dark-3);
}

.chat-popup-footer {
  padding: 14px;
  border-top: var(--border-subtle);
  display: flex;
  gap: 8px;
  background: var(--dark-3);
}

.chat-popup-footer input {
  flex: 1;
  background: rgba(255,255,255,0.06) !important;
  border: var(--border-subtle) !important;
  border-radius: 25px !important;
  padding: 9px 16px !important;
  font-family: var(--font-body) !important;
  font-size: 0.85rem !important;
  color: var(--white) !important;
  outline: none !important;
}

.chat-popup-footer button {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--gradient-gold);
  color: var(--dark);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  font-size: 0.85rem;
}

.chat-popup-footer button:hover { transform: scale(1.1); }

.chat-message { margin-bottom: 12px; }

.chat-message.bot .msg {
  background: rgba(255,255,255,0.06);
  border: var(--border-subtle);
  padding: 10px 14px;
  border-radius: 0 12px 12px 12px;
  font-family: var(--font-body);
  font-size: 0.82rem;
  display: inline-block;
  max-width: 88%;
  color: rgba(255,255,255,0.8);
  line-height: 1.6;
}

.chat-message.user { text-align: right; }

.chat-message.user .msg {
  background: var(--gradient-gold);
  color: var(--dark);
  padding: 10px 14px;
  border-radius: 12px 0 12px 12px;
  font-family: var(--font-body);
  font-size: 0.82rem;
  display: inline-block;
  max-width: 88%;
  font-weight: 600;
  line-height: 1.6;
}

/* ---------- Back to Top ---------- */
.back-to-top {
  position: fixed;
  bottom: 108px;
  right: 28px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: rgba(200, 169, 110, 0.15);
  border: var(--border-gold);
  color: var(--primary);
  font-size: 1.1rem;
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  z-index: 999;
}

.back-to-top.show { display: flex; }

.back-to-top:hover {
  background: var(--gradient-gold);
  color: var(--dark);
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
}

/* ---------- Animations ---------- */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Alert override */
.alert-success {
  background: rgba(34, 211, 165, 0.1) !important;
  border: 1px solid rgba(34, 211, 165, 0.3) !important;
  color: rgba(255,255,255,0.85) !important;
  font-family: var(--font-body) !important;
  border-radius: var(--radius) !important;
}

.alert-success .alert-link { color: var(--success) !important; font-weight: 700; }

/* Bootstrap navbar-toggler */
.navbar-toggler:focus { box-shadow: none; }

/* Signature pad */
.signature-pad {
  border: 2px dashed rgba(200, 169, 110, 0.3);
  border-radius: var(--radius);
  height: 110px;
  background: rgba(200, 169, 110, 0.03);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: crosshair;
  color: rgba(200, 169, 110, 0.3);
  font-size: 0.85rem;
}

/* ---------- Responsive ---------- */
@media (max-width: 991px) {
  .hero-content h1 { font-size: clamp(1.9rem, 5vw, 2.6rem); }

  .dashboard-sidebar {
    transform: translateX(-100%);
  }

  .dashboard-sidebar.show {
    transform: translateX(0);
  }

  .dashboard-content {
    margin-left: 0;
    width: 100%;
  }

  .step-connector { display: none; }

  .stat-item + .stat-item::before { display: none; }
}

@media (max-width: 767px) {
  .section-padding { padding: 70px 0; }
  .emi-calculator-box { padding: 28px; }
  .form-card { padding: 28px; }
  .legal-card { padding: 28px; }
  .trust-badges { padding: 20px; }

  .welcome-banner {
    flex-direction: column;
    text-align: center;
    gap: 16px;
  }

  .hero-cta { justify-content: center; }
  .hero-badges { justify-content: center; }
  .progress-steps { gap: 4px; }
  .progress-step { font-size: 0.75rem; padding: 7px 12px; }

  .eligibility-box { padding: 28px; }
}

@media (max-width: 575px) {
  .hero-content h1 { font-size: 1.8rem; }
  .hero-content > p { font-size: 0.95rem; }
  .chat-popup { width: 290px; }
  .emi-amount { font-size: 2rem; }
}

/* ============================================
   NEW PAGE COMPONENTS (About, Loans, Contact)
   ============================================ */

/* --- Page Header (inner pages) --- */
.page-header {
  background: var(--gradient-hero);
  padding: 160px 0 90px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(200,169,110,0.12);
}
.page-header::before {
  content: '';
  position: absolute;
  top: -40%;
  left: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200,169,110,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.page-header h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 14px;
}
.page-header p {
  font-size: 1.1rem;
  color: var(--gray);
  max-width: 560px;
}
.page-header .breadcrumb {
  background: none;
  padding: 0;
  font-size: 0.85rem;
}
.page-header .breadcrumb-item a { color: var(--primary); text-decoration: none; }
.page-header .breadcrumb-item.active { color: var(--gray); }
.page-header .breadcrumb-item + .breadcrumb-item::before { color: var(--gray); }

/* --- Product Feature Cards (loan pages at-a-glance grid) --- */
.product-feature {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: var(--transition);
}
.product-feature:hover {
  transform: translateY(-6px);
  border-color: var(--primary);
  box-shadow: var(--shadow-gold);
}
.product-feature i {
  font-size: 2rem;
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-bottom: 14px;
  display: block;
}
.product-feature h5 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 6px;
}
.product-feature p {
  color: var(--primary);
  font-weight: 600;
  font-size: 0.9rem;
  margin: 0;
}

/* --- Value Cards (About page core values / team) --- */
.value-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: var(--transition);
  height: 100%;
}
.value-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary);
  box-shadow: var(--shadow-gold);
}
.value-card .icon {
  font-size: 2.2rem;
  margin-bottom: 14px;
}
.value-card h5 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 8px;
}
.value-card p { color: var(--gray); font-size: 0.875rem; margin: 0; }

/* --- Use Case Cards --- */
.use-case-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: var(--transition);
  height: 100%;
}
.use-case-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary);
  box-shadow: var(--shadow-gold);
}
.use-case-card .icon { font-size: 2.4rem; margin-bottom: 14px; display: block; }
.use-case-card h5 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 8px;
}
.use-case-card .small { color: var(--gray); font-size: 0.85rem; margin: 0; }

/* --- Eligibility List --- */
.eligibility-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.eligibility-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.eligibility-list li:last-child { border-bottom: none; }
.eligibility-list li i {
  color: var(--success);
  font-size: 1.05rem;
  margin-top: 2px;
  flex-shrink: 0;
}
.eligibility-list li span { color: var(--gray-light); font-size: 0.95rem; }

/* --- Document Cards --- */
.doc-card {
  background: rgba(200,169,110,0.05);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 20px;
  height: 100%;
}
.doc-card h5 {
  font-family: var(--font-display);
  color: var(--primary);
  font-size: 0.92rem;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.doc-card h5 i { font-size: 0.95rem; }
.doc-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.doc-list li {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--gray-light);
  font-size: 0.875rem;
  padding: 4px 0;
}
.doc-list li i { color: var(--primary); font-size: 0.8rem; flex-shrink: 0; }

/* --- Charges Table --- */
.charges-table {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.charges-table .table {
  margin: 0;
  color: var(--gray-light);
}
.charges-table .table thead tr {
  background: rgba(200,169,110,0.12);
}
.charges-table .table thead th {
  color: var(--primary);
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 700;
  padding: 16px 24px;
  border: none;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.charges-table .table tbody td {
  padding: 14px 24px;
  border-color: rgba(255,255,255,0.05);
  font-size: 0.9rem;
}
.charges-table .table tbody tr:hover { background: rgba(200,169,110,0.04); }

/* --- Certification Cards (About) --- */
.cert-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 24px 28px;
  display: flex;
  align-items: flex-start;
  gap: 20px;
  transition: var(--transition);
}
.cert-card:hover {
  border-color: var(--primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
}
.cert-icon {
  width: 56px;
  height: 56px;
  background: rgba(200,169,110,0.12);
  border: var(--border-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.4rem;
  background: var(--gradient-gold);
  -webkit-background-clip: unset;
  color: var(--dark);
}
.cert-icon i { color: var(--dark); }

/* --- Loan Detail Card (Team member cards) --- */
.loan-detail-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: var(--transition);
  height: 100%;
}
.loan-detail-card:hover {
  border-color: var(--primary);
  transform: translateY(-6px);
  box-shadow: var(--shadow-gold);
}
.loan-detail-card p { color: var(--gray); font-size: 0.9rem; }

/* ============================================
   CONTACT PAGE STYLES
   ============================================ */

/* Contact Info Card */
.contact-info-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  padding: 36px;
  height: 100%;
}
.contact-info-card h4 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 8px;
}
.contact-info-card > p { color: var(--gray); margin-bottom: 32px; font-size: 0.95rem; }

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 24px;
}
.contact-item:last-of-type { margin-bottom: 0; }
.contact-item-icon {
  width: 50px;
  height: 50px;
  background: rgba(200,169,110,0.1);
  border: var(--border-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: var(--transition);
}
.contact-item:hover .contact-item-icon {
  background: var(--gradient-gold);
  color: var(--dark);
  border-color: transparent;
}
.contact-item-body h6 {
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 4px;
}
.contact-item-body p {
  color: var(--white);
  margin: 0;
  font-size: 0.95rem;
  font-weight: 500;
}
.contact-item-body small {
  color: var(--gray);
  font-size: 0.82rem;
  display: block;
  margin-top: 2px;
}

/* Social Links on Contact */
.contact-social { display: flex; gap: 10px; margin-top: 28px; }
.contact-social a {
  width: 42px;
  height: 42px;
  background: rgba(200,169,110,0.08);
  border: var(--border-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 0.95rem;
  text-decoration: none;
  transition: var(--transition);
}
.contact-social a:hover {
  background: var(--gradient-gold);
  color: var(--dark);
  border-color: transparent;
  transform: translateY(-3px);
  box-shadow: var(--shadow-gold);
}

/* Contact Form Card */
.contact-form-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  padding: 40px;
  height: 100%;
}
.contact-form-card h4 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 8px;
}
.contact-form-card > p { color: var(--gray); margin-bottom: 28px; font-size: 0.95rem; }

/* Branch Card */
.branch-card {
  background: var(--gradient-card);
  border: var(--border-gold);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
  height: 100%;
}
.branch-card:hover {
  border-color: var(--primary);
  transform: translateY(-6px);
  box-shadow: var(--shadow-gold);
}
.branch-card .branch-city {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 4px;
}
.branch-card .branch-badge {
  display: inline-block;
  background: rgba(200,169,110,0.12);
  color: var(--primary);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 3px 10px;
  border-radius: 20px;
  border: var(--border-gold);
  margin-bottom: 16px;
}
.branch-card ul { list-style: none; padding: 0; margin: 0; }
.branch-card ul li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.875rem;
  color: var(--gray);
  margin-bottom: 8px;
}
.branch-card ul li i { color: var(--primary); margin-top: 3px; flex-shrink: 0; font-size: 0.8rem; }

/* Map Embed Container */
.map-container {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: var(--border-gold);
  height: 380px;
  background: var(--dark-3);
}
.map-container iframe {
  width: 100%;
  height: 100%;
  border: none;
  filter: grayscale(80%) invert(85%) contrast(90%);
}

/* Instant Cash specific */
.ic-highlight-box {
  background: linear-gradient(135deg, rgba(200,169,110,0.1) 0%, rgba(200,169,110,0.03) 100%);
  border: var(--border-gold);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.ic-highlight-box h3 {
  font-family: var(--font-display);
  color: var(--white);
  margin-bottom: 8px;
}

/* Timer / Quick Steps (Instant Cash) */
.quick-step {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 24px;
}
.quick-step:last-child { margin-bottom: 0; }
.quick-step-num {
  width: 40px;
  height: 40px;
  background: var(--gradient-gold);
  color: var(--dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1rem;
  flex-shrink: 0;
}
.quick-step-body h6 {
  color: var(--white);
  font-weight: 700;
  margin-bottom: 4px;
  font-size: 0.95rem;
}
.quick-step-body p { color: var(--gray); font-size: 0.875rem; margin: 0; }