/* ============================================================
   GHARKALOAN — Design System Stylesheet
   Font: Inter + JetBrains Mono
   ============================================================ */

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --color-primary:        #1E7A6E;
  --color-primary-dark:   #155C53;
  --color-primary-100:    #D1EDE9;
  --color-primary-50:     #EDFAF8;
  --color-secondary:      #FF6B35;
  --color-secondary-dark: #D94F1C;
  --color-secondary-100:  #FFE8DE;
  --color-accent:         #F5A623;
  --color-accent-dark:    #C7841A;
  --color-accent-100:     #FEF3D7;
  --color-bg:             #FAFAF8;
  --color-surface:        #FFFFFF;
  --color-surface-alt:    #F4F4F0;
  --color-teal-tint:      #EDFAF8;
  --color-text:           #2D3748;
  --color-text-secondary: #718096;
  --color-text-muted:     #A0AEC0;
  --color-border:         #E2E8F0;
  --color-dark-footer:    #1A2726;

  --font-primary:    'Inter', system-ui, -apple-system, sans-serif;
  --font-mono:       'JetBrains Mono', 'Fira Code', monospace;

  --shadow-xs:  0 1px 2px rgba(0,0,0,0.05);
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md:  0 4px 6px -1px rgba(0,0,0,0.08), 0 2px 4px -1px rgba(0,0,0,0.05);
  --shadow-lg:  0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -2px rgba(0,0,0,0.04);
  --shadow-xl:  0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
  --shadow-teal: 0 4px 20px rgba(30,122,110,0.25);
  --shadow-orange: 0 8px 24px rgba(255,107,53,0.4);

  --radius-sm:   4px;
  --radius-md:   8px;
  --radius-lg:   12px;
  --radius-xl:   16px;
  --radius-2xl:  24px;
  --radius-full: 9999px;

  --transition-fast:   150ms ease;
  --transition-normal: 300ms ease;
  --transition-slow:   600ms ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-primary);
  font-size: 16px;
  color: var(--color-text);
  background-color: var(--color-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { font-family: var(--font-primary); cursor: pointer; border: none; background: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- UTILITY ---- */
.teal-text   { color: var(--color-primary); }
.orange-text { color: var(--color-secondary); }
.amber-text  { color: var(--color-accent); }
.slate-text  { color: var(--color-text); }
.hidden      { display: none !important; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: 72px;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  z-index: 100;
  transition: box-shadow var(--transition-normal);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }

.nav-inner {
  display: flex;
  align-items: center;
  height: 72px;
  gap: 32px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.logo-mark {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, #1E7A6E, #F5A623);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; }
.logo-name { font-size: 18px; font-weight: 700; color: var(--color-text); line-height: 1.2; }
.logo-tagline { font-size: 10px; font-weight: 500; color: var(--color-text-secondary); letter-spacing: 0.04em; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  flex: 1;
  justify-content: center;
}
.nav-dropdown { position: relative; }

.nav-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--color-text);
  letter-spacing: 0.02em;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color var(--transition-fast), border-color var(--transition-fast);
  display: flex; align-items: center; gap: 4px;
}
.nav-link:hover, .nav-link.active {
  color: var(--color-primary);
  border-bottom-color: var(--color-primary);
}

.nav-cta { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }

.btn-text-login {
  font-size: 14px; font-weight: 600;
  color: var(--color-primary);
  padding: 8px 16px;
  border-radius: var(--radius-full);
  transition: background var(--transition-fast);
}
.btn-text-login:hover { background: var(--color-primary-50); }

.btn-apply-nav {
  display: flex; align-items: center; gap: 6px;
  background: var(--color-secondary);
  color: white;
  font-size: 14px; font-weight: 700;
  padding: 10px 22px;
  border-radius: var(--radius-full);
  box-shadow: 0 4px 12px rgba(255,107,53,0.3);
  transition: background var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);
}
.btn-apply-nav:hover {
  background: var(--color-secondary-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-orange);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius-md);
  margin-left: auto;
}
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--color-text);
  border-radius: 2px;
  transition: var(--transition-fast);
}
.hamburger:hover span { background: var(--color-primary); }

/* ---- MOBILE DRAWER ---- */
.drawer-overlay {
  display: none;
  position: fixed; inset: 0;
  background: rgba(0,0,0,0.4);
  z-index: 200;
  opacity: 0;
  transition: opacity var(--transition-normal);
}
.drawer-overlay.active { display: block; opacity: 1; }

.mobile-drawer {
  position: fixed;
  top: 0; right: -300px; bottom: 0;
  width: 280px;
  background: var(--color-surface);
  z-index: 201;
  padding: 24px;
  display: flex; flex-direction: column;
  transition: right var(--transition-normal);
  box-shadow: -8px 0 32px rgba(0,0,0,0.15);
}
.mobile-drawer.open { right: 0; }

.drawer-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 32px; }
.drawer-close { padding: 6px; border-radius: var(--radius-md); color: var(--color-text-secondary); }
.drawer-close:hover { background: var(--color-surface-alt); }

.drawer-links { flex: 1; }
.drawer-links li a {
  display: block;
  padding: 14px 0;
  font-size: 16px; font-weight: 500;
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
  transition: color var(--transition-fast);
}
.drawer-links li a:hover { color: var(--color-primary); }

.btn-apply-drawer {
  display: block; text-align: center;
  background: var(--color-secondary);
  color: white;
  font-size: 16px; font-weight: 700;
  padding: 14px;
  border-radius: var(--radius-full);
  margin-top: 24px;
  box-shadow: var(--shadow-orange);
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  position: relative;
  min-height: 640px;
  background: linear-gradient(135deg, #1E7A6E 0%, #155C53 45%, #0F3D37 100%);
  padding: 120px 0 80px;
  overflow: hidden;
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image: 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='M30 0l30 30-30 30L0 30z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 60% 40%;
  gap: 48px;
  align-items: center;
}

.hero-eyebrow {
  font-size: 11px; font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--color-accent);
  padding-left: 12px;
  border-left: 3px solid var(--color-accent);
  margin-bottom: 20px;
}

.hero-headline {
  font-size: 52px; font-weight: 800;
  color: white;
  letter-spacing: -0.025em;
  line-height: 1.1;
}

.headline-highlight {
  background: linear-gradient(135deg, #F5A623, #FF6B35);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-hindi {
  font-size: 17px; font-weight: 500;
  color: rgba(255,255,255,0.7);
  margin-top: 8px;
}

.hero-sub {
  font-size: 17px; font-weight: 400;
  color: rgba(255,255,255,0.85);
  line-height: 1.75;
  max-width: 520px;
  margin-top: 20px;
}
.hero-sub strong { color: var(--color-accent); font-weight: 600; }

.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 36px;
}

.btn-hero-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, #FF6B35, #F5A623);
  color: white;
  font-size: 16px; font-weight: 700;
  padding: 16px 32px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-orange);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
.btn-hero-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(255,107,53,0.5);
}

.btn-hero-secondary {
  display: inline-flex; align-items: center;
  background: transparent;
  color: white;
  font-size: 16px; font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  border: 2px solid rgba(255,255,255,0.55);
  transition: background var(--transition-fast), border-color var(--transition-fast);
}
.btn-hero-secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: white;
}

.hero-trust {
  display: flex; align-items: center; gap: 6px;
  font-size: 13px; color: rgba(255,255,255,0.6);
  margin-top: 16px;
}

/* ---- HERO CALCULATOR CARD ---- */
.hero-calc-card {
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 24px 48px rgba(0,0,0,0.22);
}

.hcc-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.hcc-title { font-size: 16px; font-weight: 700; color: var(--color-text); }
.hcc-link { font-size: 13px; font-weight: 600; color: var(--color-primary); }

.hcc-field { margin-bottom: 20px; }
.hcc-label-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.hcc-label { font-size: 12px; font-weight: 600; color: var(--color-text-secondary); letter-spacing: 0.04em; }
.hcc-value { font-size: 20px; font-weight: 700; color: var(--color-primary); font-family: var(--font-mono); }

.hcc-rate-note { font-size: 13px; color: var(--color-text-secondary); margin-bottom: 16px; }
.hcc-cibil { font-size: 11px; color: var(--color-text-muted); margin-left: 4px; }

.hcc-result {
  background: linear-gradient(135deg, #EDFAF8, #D1EDE9);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 16px;
  display: flex; flex-direction: column; gap: 4px;
}
.hcc-result-label { font-size: 12px; font-weight: 600; color: var(--color-text-secondary); letter-spacing: 0.08em; text-transform: uppercase; }
.hcc-result-value { font-family: var(--font-mono); font-size: 28px; font-weight: 800; color: var(--color-primary); }
.hcc-result-sub { font-size: 12px; color: var(--color-text-secondary); }

.btn-hcc-apply {
  display: block; width: 100%; text-align: center;
  background: var(--color-secondary);
  color: white;
  font-size: 15px; font-weight: 700;
  padding: 14px;
  border-radius: 10px;
  transition: background var(--transition-fast), transform var(--transition-fast);
}
.btn-hcc-apply:hover { background: var(--color-secondary-dark); transform: translateY(-1px); }

/* ---- SLIDERS ---- */
.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: var(--radius-full);
  background: var(--color-border);
  outline: none;
  cursor: pointer;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--color-primary);
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: transform var(--transition-fast);
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.slider::-moz-range-thumb {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--color-primary);
  box-shadow: var(--shadow-md);
  cursor: pointer;
}

.slider-limits {
  display: flex; justify-content: space-between;
  font-size: 11px; color: var(--color-text-muted);
  margin-top: 4px;
}

/* ---- STATS BAR ---- */
.stats-bar {
  background: var(--color-surface);
  box-shadow: var(--shadow-md);
  position: relative;
  z-index: 10;
}
.stats-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  height: 90px;
}
.stat-item {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  flex: 1;
  text-align: center;
  padding: 0 24px;
}
.stat-num {
  font-family: var(--font-mono);
  font-size: 28px; font-weight: 800;
  line-height: 1.1;
}
.stat-num.teal   { color: var(--color-primary); }
.stat-num.orange { color: var(--color-secondary); }
.stat-num.amber  { color: var(--color-accent); }
.stat-label { font-size: 13px; color: var(--color-text-secondary); margin-top: 2px; }
.stat-divider { width: 1px; height: 40px; background: var(--color-border); flex-shrink: 0; }

/* ============================================================
   SECTIONS — COMMON
   ============================================================ */
.section { padding: 80px 0; }
.section-alt { background: linear-gradient(180deg, #F4F4F0 0%, #FAFAF8 100%); }
.section-teal-tint { background: var(--color-teal-tint); }

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}
.section-eyebrow {
  font-size: 11px; font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--color-accent);
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-headline {
  font-size: 36px; font-weight: 800;
  color: var(--color-text);
  letter-spacing: -0.02em;
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-sub {
  font-size: 16px; color: var(--color-text-secondary);
  line-height: 1.7;
}
.headline-underline {
  width: 48px; height: 3px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-accent));
  border-radius: 2px;
  margin: 20px auto 0;
}

/* ============================================================
   EMI CALCULATOR SECTION
   ============================================================ */
.calc-card {
  display: grid;
  grid-template-columns: 55% 45%;
  background: var(--color-surface);
  border-radius: 20px;
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.calc-left { padding: 48px; border-right: 1px solid var(--color-border); }
.calc-right { padding: 48px; display: flex; flex-direction: column; align-items: center; }

.calc-field { margin-bottom: 32px; }
.calc-label-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }
.calc-label { font-size: 13px; font-weight: 600; color: var(--color-text-secondary); letter-spacing: 0.04em; }
.calc-val { font-size: 18px; font-weight: 700; font-family: var(--font-mono); }

.tenure-tabs {
  display: inline-flex;
  background: var(--color-border);
  border-radius: var(--radius-full);
  padding: 3px;
  margin-bottom: 10px;
}
.tenure-tab {
  font-size: 12px; font-weight: 600;
  padding: 4px 14px;
  border-radius: var(--radius-full);
  color: var(--color-text-secondary);
  transition: all var(--transition-fast);
}
.tenure-tab.active {
  background: var(--color-primary);
  color: white;
}

.calc-actions { margin-top: 36px; display: flex; flex-direction: column; gap: 12px; align-items: flex-start; }

.btn-primary-full {
  display: block; width: 100%; text-align: center;
  background: linear-gradient(135deg, #FF6B35, #F5A623);
  color: white;
  font-size: 15px; font-weight: 700;
  padding: 14px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-orange);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
.btn-primary-full:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(255,107,53,0.45); }

.btn-text-teal {
  font-size: 14px; font-weight: 600;
  color: var(--color-primary);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color var(--transition-fast);
}
.btn-text-teal:hover { color: var(--color-primary-dark); }

/* Donut chart */
.donut-wrapper { width: 200px; height: 200px; margin-bottom: 20px; }
.donut-chart { width: 100%; height: 100%; }

.donut-bg {
  fill: none;
  stroke: var(--color-border);
  stroke-width: 24;
}
.donut-principal {
  fill: none;
  stroke: var(--color-primary);
  stroke-width: 24;
  stroke-dasharray: 220 440;
  stroke-dashoffset: 0;
  stroke-linecap: round;
  transform: rotate(-90deg);
  transform-origin: 100px 100px;
  transition: stroke-dasharray var(--transition-slow);
}
.donut-interest {
  fill: none;
  stroke: var(--color-secondary);
  stroke-width: 24;
  stroke-dasharray: 220 440;
  stroke-dashoffset: -110;
  stroke-linecap: round;
  transform: rotate(-90deg);
  transform-origin: 100px 100px;
  transition: stroke-dasharray var(--transition-slow);
}

.donut-center-label {
  text-anchor: middle;
  font-size: 11px;
  fill: var(--color-text-secondary);
  font-family: var(--font-primary);
}
.donut-center-value {
  text-anchor: middle;
  font-size: 13px;
  font-weight: 700;
  fill: var(--color-primary);
  font-family: var(--font-mono);
}

.donut-legend { width: 100%; margin-bottom: 24px; display: flex; flex-direction: column; gap: 8px; }
.legend-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--color-text-secondary); }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.teal-dot   { background: var(--color-primary); }
.orange-dot { background: var(--color-secondary); }

.calc-summary {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 12px; width: 100%;
}
.summary-card {
  background: var(--color-bg);
  border-radius: var(--radius-lg);
  padding: 12px;
  text-align: center;
  border: 1px solid var(--color-border);
}
.summary-label { display: block; font-size: 11px; color: var(--color-text-muted); margin-bottom: 4px; }
.summary-val { display: block; font-size: 13px; font-weight: 700; font-family: var(--font-mono); }

/* ============================================================
   LOAN PRODUCTS
   ============================================================ */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.product-card {
  position: relative;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-primary-100);
}

.product-banner { height: 8px; }

.product-badge {
  position: absolute;
  top: 20px; right: 16px;
  font-size: 11px; font-weight: 700;
  padding: 4px 9px;
  border-radius: var(--radius-sm);
  letter-spacing: 0.03em;
}
.badge-teal  { background: var(--color-primary); color: white; }
.badge-amber { background: var(--color-accent); color: white; }
.badge-blue  { background: #0EA5E9; color: white; }

.product-body { padding: 20px 24px 24px; }

.product-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}

.product-title { font-size: 17px; font-weight: 700; color: var(--color-text); margin-bottom: 4px; }
.product-tagline { font-size: 13px; color: var(--color-text-secondary); margin-bottom: 12px; }

.product-rate { display: flex; align-items: baseline; gap: 4px; margin-bottom: 2px; }
.rate-val { font-family: var(--font-mono); font-size: 22px; font-weight: 800; color: var(--color-primary); }
.rate-unit { font-size: 14px; color: var(--color-text-secondary); }
.rate-note { font-size: 11px; color: var(--color-text-muted); margin-bottom: 16px; }

.product-features { display: flex; flex-direction: column; gap: 8px; margin-bottom: 16px; }
.product-features li {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--color-text-secondary);
}

.product-footer {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 16px;
  border-top: 1px solid var(--color-border);
}
.product-link {
  display: flex; align-items: center; gap: 4px;
  font-size: 14px; font-weight: 600;
  color: var(--color-primary);
  transition: gap var(--transition-fast);
}
.product-link:hover { gap: 8px; }

.btn-product-apply {
  background: var(--color-secondary);
  color: white;
  font-size: 13px; font-weight: 700;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  transition: background var(--transition-fast), transform var(--transition-fast);
}
.btn-product-apply:hover { background: var(--color-secondary-dark); transform: translateY(-1px); }

/* ============================================================
   PROCESS STEPS
   ============================================================ */
.steps-row {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
  padding: 0 16px;
}

.step-connector {
  position: absolute;
  top: 26px;
  left: 72px;
  right: 72px;
  height: 2px;
  border-top: 2px dashed var(--color-primary);
  opacity: 0.4;
  z-index: 0;
}

.step-item {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  flex: 1;
  z-index: 1;
}

.step-circle {
  width: 52px; height: 52px;
  background: var(--color-primary);
  color: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; font-weight: 800;
  flex-shrink: 0;
  box-shadow: var(--shadow-teal);
  transition: box-shadow var(--transition-normal), transform var(--transition-normal);
}
.step-circle-final { background: var(--color-secondary); box-shadow: var(--shadow-orange); }
.step-item:hover .step-circle {
  transform: scale(1.08);
  box-shadow: 0 0 0 8px var(--color-primary-50), var(--shadow-teal);
}

.step-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 20px 16px;
  box-shadow: var(--shadow-sm);
  text-align: center;
  max-width: 180px;
}
.step-icon { display: flex; justify-content: center; margin-bottom: 10px; }
.step-title { font-size: 14px; font-weight: 700; color: var(--color-text); margin-bottom: 6px; }
.step-desc { font-size: 12px; color: var(--color-text-secondary); line-height: 1.6; }

.section-cta-center { text-align: center; margin-top: 48px; }

.btn-primary-lg {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, #FF6B35, #F5A623);
  color: white;
  font-size: 17px; font-weight: 700;
  padding: 18px 40px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-orange);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
.btn-primary-lg:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(255,107,53,0.5); }

/* ============================================================
   FEATURES & BENEFITS
   ============================================================ */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px 40px;
}

.feature-item {
  display: flex;
  gap: 20px;
  padding-left: 16px;
  border-left: 3px solid var(--accent, #1E7A6E);
}

.feature-icon-wrap {
  width: 64px; height: 64px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: transform var(--transition-normal);
}
.feature-item:hover .feature-icon-wrap { transform: scale(1.06); }

.feature-content {}
.feature-title { font-size: 17px; font-weight: 700; color: var(--color-text); margin-bottom: 8px; }
.feature-desc { font-size: 14px; color: var(--color-text-secondary); line-height: 1.75; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.rating-summary {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  margin-bottom: 48px;
}
.stars-row { font-size: 28px; color: var(--color-accent); letter-spacing: 2px; }
.rating-num { font-size: 36px; font-weight: 800; color: var(--color-text); font-family: var(--font-mono); }
.rating-denom { font-size: 20px; font-weight: 500; color: var(--color-text-secondary); }
.rating-base { font-size: 14px; color: var(--color-text-secondary); }

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

.testimonial-card {
  position: relative;
  background: var(--color-surface);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  overflow: hidden;
  transition: box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.testimonial-card:hover { box-shadow: var(--shadow-lg); border-color: var(--color-primary-100); }

.testimonial-tag {
  display: inline-block;
  font-size: 11px; font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  letter-spacing: 0.03em;
}

.testimonial-quote-mark {
  position: absolute;
  top: 16px; left: 24px;
  font-size: 80px;
  color: var(--color-primary-100);
  line-height: 1;
  font-family: Georgia, serif;
  pointer-events: none;
}

.testimonial-stars { font-size: 15px; color: var(--color-accent); margin-bottom: 14px; letter-spacing: 2px; }

.testimonial-text {
  font-size: 14px;
  color: var(--color-text);
  line-height: 1.75;
  font-style: italic;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.author-info { display: flex; flex-direction: column; gap: 2px; }
.author-name { font-size: 14px; font-weight: 700; color: var(--color-text); }
.author-meta { font-size: 12px; color: var(--color-text-secondary); }

/* ============================================================
   ELIGIBILITY CHECKER
   ============================================================ */
.eligibility-card {
  max-width: 780px;
  margin: 0 auto;
  background: var(--color-surface);
  border-radius: var(--radius-2xl);
  padding: 48px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
}

.elig-progress { margin-bottom: 36px; text-align: center; }
.elig-step-dots { display: flex; align-items: center; justify-content: center; gap: 0; margin-bottom: 10px; }
.elig-dot {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 2px solid var(--color-border);
  background: var(--color-surface);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
  color: var(--color-text-muted);
  flex-shrink: 0;
  transition: all var(--transition-normal);
}
.elig-dot.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: white;
  box-shadow: var(--shadow-teal);
}
.elig-dot.done {
  background: var(--color-primary-50);
  border-color: var(--color-primary);
  color: var(--color-primary);
}
.elig-line { flex: 1; max-width: 60px; height: 2px; background: var(--color-border); }
.elig-step-label { font-size: 13px; font-weight: 600; color: var(--color-text-secondary); }

.elig-step { animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

.elig-question { font-size: 20px; font-weight: 700; color: var(--color-text); margin-bottom: 28px; }

.elig-options-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}
.elig-option {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 24px 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-lg);
  font-size: 14px; font-weight: 600; color: var(--color-text);
  background: var(--color-surface);
  transition: all var(--transition-fast);
  cursor: pointer;
}
.elig-option:hover { border-color: var(--color-primary); background: var(--color-primary-50); }
.elig-option.selected { border-color: var(--color-primary); background: var(--color-primary-50); color: var(--color-primary); }

.income-pills, .cibil-options {
  display: flex; flex-wrap: wrap; gap: 10px;
  margin-bottom: 32px;
}
.income-pill, .cibil-pill {
  padding: 9px 18px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-full);
  font-size: 14px; font-weight: 600;
  color: var(--color-text);
  background: var(--color-surface);
  transition: all var(--transition-fast);
  cursor: pointer;
}
.income-pill:hover, .cibil-pill:hover { border-color: var(--color-primary); color: var(--color-primary); }
.income-pill.active, .cibil-pill.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: white;
}

.cibil-note { font-size: 12px; color: var(--color-text-muted); margin-bottom: 24px; }

.elig-slider-group { margin-bottom: 32px; }

.elig-nav { display: flex; justify-content: flex-end; }
.elig-nav-2 { justify-content: space-between; align-items: center; }

.btn-elig-next {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, #FF6B35, #F5A623);
  color: white;
  font-size: 15px; font-weight: 700;
  padding: 12px 28px;
  border-radius: var(--radius-full);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
.btn-elig-next:hover { transform: translateY(-1px); box-shadow: var(--shadow-orange); }

.btn-elig-back {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 14px; font-weight: 600;
  color: var(--color-text-secondary);
  transition: color var(--transition-fast);
  cursor: pointer;
}
.btn-elig-back:hover { color: var(--color-text); }

.elig-result {
  text-align: center;
  animation: fadeIn 0.4s ease;
}
.elig-result-icon { display: flex; justify-content: center; margin-bottom: 16px; }
.elig-result-headline { font-size: 20px; font-weight: 700; color: var(--color-text); margin-bottom: 16px; }
.elig-result-amount {
  font-family: var(--font-mono);
  font-size: 44px; font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 16px;
}
.elig-result-details {
  display: flex; justify-content: center; gap: 24px;
  font-size: 14px; color: var(--color-text-secondary);
  margin-bottom: 8px;
  flex-wrap: wrap;
}
.elig-result-details strong { color: var(--color-text); }
.elig-disclaimer { font-size: 11px; color: var(--color-text-muted); margin-top: 12px; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-xs);
  overflow: hidden;
  transition: box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.faq-item.open { box-shadow: var(--shadow-md); border-color: var(--color-primary-100); }

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 20px 24px;
  font-size: 15px; font-weight: 600;
  color: var(--color-text);
  text-align: left;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.faq-question:hover { background: var(--color-bg); }

.faq-icon { flex-shrink: 0; color: var(--color-primary); transition: transform var(--transition-fast); }
.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 350ms ease, padding var(--transition-normal);
  padding: 0 24px;
}
.faq-answer p {
  font-size: 14px; color: var(--color-text-secondary);
  line-height: 1.85;
  padding-bottom: 20px;
  border-top: 1px solid var(--color-border);
  padding-top: 16px;
}
.faq-item.open .faq-answer { max-height: 400px; }

/* ============================================================
   APPLICATION MODAL
   ============================================================ */
.modal-overlay {
  position: fixed; inset: 0;
  background: rgba(20, 30, 28, 0.55);
  backdrop-filter: blur(4px);
  z-index: 1000;
  opacity: 0; pointer-events: none;
  transition: opacity 250ms ease;
}
.modal-overlay.active { opacity: 1; pointer-events: auto; }

.modal {
  position: fixed;
  top: 50%; left: 50%;
  transform: translate(-50%, -48%) scale(0.97);
  z-index: 1001;
  width: min(680px, calc(100vw - 32px));
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  background: var(--color-surface);
  border-radius: var(--radius-2xl);
  box-shadow: 0 32px 64px rgba(0,0,0,0.22), 0 0 0 1px rgba(0,0,0,0.06);
  padding: 0;
  opacity: 0; pointer-events: none;
  transition: opacity 250ms ease, transform 250ms ease;
  scrollbar-width: thin;
  scrollbar-color: var(--color-border) transparent;
}
.modal.active { opacity: 1; pointer-events: auto; transform: translate(-50%, -50%) scale(1); }

.modal-close {
  position: absolute; top: 16px; right: 16px;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(0,0,0,0.06);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-text-secondary);
  transition: background var(--transition-fast), color var(--transition-fast);
  cursor: pointer; border: none; z-index: 2;
}
.modal-close:hover { background: rgba(0,0,0,0.12); color: var(--color-text); }

.modal-header {
  display: flex; align-items: center; gap: 16px;
  padding: 28px 32px 24px;
  background: linear-gradient(135deg, var(--color-primary), #2AA68A);
  border-radius: var(--radius-2xl) var(--radius-2xl) 0 0;
}
.modal-icon {
  width: 52px; height: 52px; flex-shrink: 0;
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
}
.modal-title { font-size: 20px; font-weight: 700; color: white; margin-bottom: 4px; }
.modal-sub { font-size: 13px; color: rgba(255,255,255,0.75); }

/* Modal form */
.modal-form { padding: 28px 32px 32px; display: flex; flex-direction: column; gap: 18px; }

.mf-row { display: flex; gap: 16px; }
.mf-field { flex: 1; display: flex; flex-direction: column; gap: 5px; }

.mf-label { font-size: 13px; font-weight: 600; color: var(--color-text); }
.mf-req { color: var(--color-secondary); }

.mf-input, .mf-select {
  width: 100%;
  padding: 10px 13px;
  font-family: var(--font-primary);
  font-size: 14px; color: var(--color-text);
  background: var(--color-bg);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
}
.mf-input::placeholder { color: var(--color-text-muted); }
.mf-input:focus, .mf-select:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30,122,110,0.12);
  background: white;
}
.mf-input.invalid, .mf-select.invalid {
  border-color: #E53E3E;
  box-shadow: 0 0 0 3px rgba(229,62,62,0.1);
}

.mf-phone-wrap { position: relative; display: flex; align-items: center; }
.mf-phone-pre {
  position: absolute; left: 13px;
  font-size: 14px; font-weight: 600; color: var(--color-text-secondary);
  pointer-events: none; z-index: 1;
}
.mf-input-tel { padding-left: 40px; }

.mf-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23718096' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 13px center;
  padding-right: 36px; cursor: pointer;
}

.mf-error {
  font-size: 12px; color: #E53E3E;
  display: none;
}
.mf-error.visible { display: block; }

.mf-consent { display: flex; flex-direction: column; gap: 4px; }
.mf-checkbox-label {
  display: flex; align-items: flex-start; gap: 10px;
  cursor: pointer; font-size: 13px; color: var(--color-text-secondary); line-height: 1.5;
}
.mf-checkbox { position: absolute; opacity: 0; width: 0; height: 0; }
.mf-checkmark {
  flex-shrink: 0; width: 18px; height: 18px;
  border: 2px solid var(--color-border); border-radius: 4px;
  background: var(--color-bg);
  display: flex; align-items: center; justify-content: center;
  margin-top: 1px;
  transition: border-color var(--transition-fast), background var(--transition-fast);
}
.mf-checkbox:checked + .mf-checkmark { background: var(--color-primary); border-color: var(--color-primary); }
.mf-checkbox:checked + .mf-checkmark::after {
  content: ''; width: 10px; height: 6px;
  border-left: 2px solid white; border-bottom: 2px solid white;
  transform: rotate(-45deg) translateY(-1px); display: block;
}

.mf-actions { display: flex; flex-direction: column; gap: 10px; align-items: flex-start; }

.btn-mf-submit {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: linear-gradient(135deg, var(--color-secondary), #F5A623);
  color: white;
  font-family: var(--font-primary);
  font-size: 15px; font-weight: 700;
  padding: 14px 36px;
  border-radius: var(--radius-full);
  border: none; cursor: pointer; min-width: 200px;
  box-shadow: var(--shadow-orange);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), opacity var(--transition-fast);
}
.btn-mf-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(255,107,53,0.5); }
.btn-mf-submit:disabled { opacity: 0.65; cursor: not-allowed; transform: none; }

.mf-privacy { font-size: 12px; color: var(--color-text-muted); display: flex; align-items: center; gap: 5px; }
.mf-privacy::before { content: '🔒'; font-size: 11px; }

.mf-success {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  padding: 24px 0 8px;
  animation: fadeIn 0.4s ease;
}
.mf-success svg { margin-bottom: 16px; }
.mf-success h3 { font-size: 20px; font-weight: 700; color: var(--color-text); margin-bottom: 8px; }
.mf-success p { font-size: 14px; color: var(--color-text-secondary); line-height: 1.6; margin-bottom: 20px; }
.mf-close-btn {
  padding: 10px 28px;
  border-radius: var(--radius-full);
  background: var(--color-primary-100);
  color: var(--color-primary);
  font-weight: 600; font-size: 14px;
  border: none; cursor: pointer;
  transition: background var(--transition-fast);
}
.mf-close-btn:hover { background: var(--color-primary); color: white; }

.mf-error-banner {
  display: flex; align-items: center; gap: 10px;
  background: #FFF5F5; border: 1px solid #FED7D7;
  border-radius: var(--radius-md); padding: 11px 14px;
  font-size: 13px; color: #C53030;
}
.mf-error-banner.hidden { display: none !important; }

/* ============================================================
   CONTACT FORM
   ============================================================ */
.contact-card {
  max-width: 820px;
  margin: 0 auto;
  background: var(--color-surface);
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-xl);
  padding: 48px 48px 40px;
  border: 1px solid var(--color-border);
}

.cf-row { display: flex; flex-direction: column; gap: 20px; }
.cf-row-2 { flex-direction: row; }

.cf-field { flex: 1; display: flex; flex-direction: column; gap: 6px; }

.cf-label {
  font-size: 13px; font-weight: 600;
  color: var(--color-text);
  letter-spacing: 0.01em;
}
.cf-req { color: var(--color-secondary); }

.cf-input, .cf-select, .cf-textarea {
  width: 100%;
  padding: 11px 14px;
  font-family: var(--font-primary);
  font-size: 14px;
  color: var(--color-text);
  background: var(--color-bg);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
}
.cf-input::placeholder, .cf-textarea::placeholder { color: var(--color-text-muted); }
.cf-input:focus, .cf-select:focus, .cf-textarea:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30,122,110,0.12);
  background: var(--color-surface);
}
.cf-input.invalid, .cf-select.invalid, .cf-textarea.invalid {
  border-color: #E53E3E;
  box-shadow: 0 0 0 3px rgba(229,62,62,0.1);
}

.cf-phone-wrap { position: relative; display: flex; align-items: center; }
.cf-phone-prefix {
  position: absolute; left: 14px;
  font-size: 14px; font-weight: 600;
  color: var(--color-text-secondary);
  pointer-events: none;
  z-index: 1;
}
.cf-input-phone { padding-left: 42px; }

.cf-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23718096' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
  cursor: pointer;
}

.cf-textarea { resize: vertical; min-height: 80px; line-height: 1.6; }

.cf-error {
  font-size: 12px; color: #E53E3E;
  display: none;
  margin-top: 2px;
}
.cf-error.visible { display: block; }

.cf-row + .cf-row, .cf-field + .cf-field { margin-top: 0; }
.contact-form > * + * { margin-top: 20px; }

/* Consent checkbox */
.cf-consent { display: flex; flex-direction: column; gap: 4px; }
.cf-checkbox-label {
  display: flex; align-items: flex-start; gap: 10px;
  cursor: pointer; font-size: 13px; color: var(--color-text-secondary);
  line-height: 1.5;
}
.cf-checkbox { position: absolute; opacity: 0; width: 0; height: 0; }
.cf-checkmark {
  flex-shrink: 0;
  width: 18px; height: 18px;
  border: 2px solid var(--color-border);
  border-radius: 4px;
  background: var(--color-bg);
  display: flex; align-items: center; justify-content: center;
  margin-top: 1px;
  transition: border-color var(--transition-fast), background var(--transition-fast);
}
.cf-checkbox:checked + .cf-checkmark {
  background: var(--color-primary);
  border-color: var(--color-primary);
}
.cf-checkbox:checked + .cf-checkmark::after {
  content: '';
  width: 10px; height: 6px;
  border-left: 2px solid white;
  border-bottom: 2px solid white;
  transform: rotate(-45deg) translateY(-1px);
  display: block;
}

.cf-actions { display: flex; gap: 16px; align-items: center; }

.btn-cf-submit {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: linear-gradient(135deg, var(--color-primary), #2AA68A);
  color: white;
  font-family: var(--font-primary);
  font-size: 15px; font-weight: 700;
  padding: 14px 36px;
  border-radius: var(--radius-full);
  border: none; cursor: pointer;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), opacity var(--transition-fast);
  box-shadow: var(--shadow-teal);
  min-width: 180px;
}
.btn-cf-submit:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(30,122,110,0.4); }
.btn-cf-submit:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }

.cf-spin { animation: spin 0.8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

.cf-success {
  text-align: center;
  padding: 32px 0 8px;
  animation: fadeIn 0.4s ease;
}
.cf-success svg { display: block; margin: 0 auto 16px; }
.cf-success h3 { font-size: 20px; font-weight: 700; color: var(--color-text); margin-bottom: 8px; }
.cf-success p { font-size: 14px; color: var(--color-text-secondary); }

.cf-error-banner {
  display: flex; align-items: center; gap: 10px;
  background: #FFF5F5;
  border: 1px solid #FED7D7;
  border-radius: var(--radius-md);
  padding: 12px 16px;
  font-size: 13px; color: #C53030;
}
.cf-error-banner.hidden { display: none !important; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--color-dark-footer);
  padding-top: 64px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
  gap: 40px;
  padding-bottom: 48px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.logo-mark-footer { background: linear-gradient(135deg, rgba(30,122,110,0.8), rgba(245,166,35,0.8)); }
.footer-logo-name { font-size: 18px; font-weight: 700; color: white; display: block; line-height: 1.2; }
.footer-tagline { font-size: 11px; color: rgba(255,255,255,0.45); display: block; }

.footer-desc {
  font-size: 13px; color: rgba(255,255,255,0.6);
  line-height: 1.75;
  margin-bottom: 24px;
}

.footer-social { display: flex; gap: 10px; }
.social-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition-fast);
}
.social-icon:hover { background: var(--color-primary); }

.footer-col-title {
  font-size: 13px; font-weight: 700;
  color: white;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 8px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--color-primary);
  display: inline-block;
}

.footer-links { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
.footer-links a {
  font-size: 13px; color: rgba(255,255,255,0.6);
  transition: color var(--transition-fast);
}
.footer-links a:hover { color: white; }

.footer-contact { display: flex; flex-direction: column; gap: 12px; margin-top: 16px; }
.footer-contact li { display: flex; align-items: flex-start; gap: 10px; }
.footer-contact li svg { margin-top: 2px; flex-shrink: 0; }
.footer-contact li span { font-size: 13px; color: rgba(255,255,255,0.6); line-height: 1.5; }
.footer-phone { color: white !important; font-weight: 600; }
.footer-phone em { font-style: normal; font-size: 11px; color: rgba(255,255,255,0.45); margin-left: 4px; }


.footer-divider { height: 1px; background: rgba(255,255,255,0.08); margin: 0 24px; }

.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 24px;
  flex-wrap: wrap; gap: 12px;
}
.footer-copy { font-size: 12px; color: rgba(255,255,255,0.4); }
.footer-legal { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal a { font-size: 12px; color: rgba(255,255,255,0.4); transition: color var(--transition-fast); }
.footer-legal a:hover { color: white; }

.footer-reg {
  padding: 0 24px 20px;
  text-align: center;
}
.footer-reg p { font-size: 11px; color: rgba(255,255,255,0.25); line-height: 1.7; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-headline { font-size: 42px; }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-card { padding: 36px 32px; }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }

  .hero { padding: 100px 0 48px; min-height: auto; }
  .hero-inner { grid-template-columns: 1fr; gap: 36px; }
  .hero-headline { font-size: 34px; }
  .hero-right { order: -1; }
  .hero-calc-card { padding: 24px; }

  .stats-inner { flex-wrap: wrap; height: auto; padding: 20px 0; gap: 0; }
  .stat-item { flex: 0 0 50%; padding: 16px; }
  .stat-divider { display: none; }
  .stat-item:nth-child(1), .stat-item:nth-child(3) { border-right: 1px solid var(--color-border); }
  .stat-item:nth-child(1), .stat-item:nth-child(2) { border-bottom: 1px solid var(--color-border); }

  .section { padding: 56px 0; }
  .section-headline { font-size: 28px; }

  .calc-card { grid-template-columns: 1fr; }
  .calc-left { border-right: none; border-bottom: 1px solid var(--color-border); padding: 32px 24px; }
  .calc-right { padding: 32px 24px; }
  .calc-summary { grid-template-columns: repeat(3, 1fr); }

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

  .steps-row { flex-direction: column; align-items: center; padding: 0; }
  .step-connector { display: none; }
  .step-item { flex-direction: row; width: 100%; max-width: 500px; }
  .step-card { max-width: none; flex: 1; text-align: left; }

  .features-grid { grid-template-columns: 1fr; gap: 28px; }

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

  .eligibility-card { padding: 28px 20px; }
  .elig-options-grid { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr; gap: 32px; padding-bottom: 32px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-legal { gap: 12px; }

  .contact-card { padding: 28px 20px; }
  .cf-row-2 { flex-direction: column; }

  .modal-header { padding: 24px 20px 20px; }
  .modal-form { padding: 20px 20px 24px; }
  .mf-row { flex-direction: column; gap: 14px; }
}

@media (max-width: 480px) {
  .hero-headline { font-size: 28px; }
  .hero-ctas { flex-direction: column; }
  .btn-hero-primary, .btn-hero-secondary { width: 100%; justify-content: center; }
  .calc-summary { grid-template-columns: 1fr; }
  .elig-result-amount { font-size: 32px; }
  .elig-result-details { flex-direction: column; gap: 8px; }
}

/* ---- REDUCED MOTION ---- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}