/* ==========================================================================
   MASTER STYLESHEET - PREMIUM LOAN CONSULTANCY (FULL PRODUCTION)
   ========================================================================== */

@import url('variables.css');
@import url('animations.css');
@import url('utilities.css');

/* Global Reset & Base */
*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-main);
  background-color: var(--bg-body);
  line-height: 1.6;
  overflow-x: hidden;
  position: relative;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-primary);
  font-weight: 700;
  line-height: 1.25;
}

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

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

/* ==========================================================================
   1. PRELOADER
   ========================================================================== */
#preloader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-color: var(--bg-dark);
  z-index: var(--z-preloader);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.6s;
}

#preloader.loaded {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.preloader-content {
  text-align: center;
  position: relative;
}

.preloader-logo-ring {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  border: 3px solid rgba(197, 155, 39, 0.15);
  border-top-color: var(--color-accent);
  border-right-color: var(--color-accent-gold);
  animation: preloader-spin 1.1s linear infinite;
  margin: 0 auto 1.5rem auto;
  display: flex;
  align-items: center;
  justify-content: center;
}

.preloader-icon {
  font-size: 2.2rem;
  color: var(--color-accent-gold);
  animation: preloader-pulse 2s ease-in-out infinite;
}

.preloader-text {
  color: #ffffff;
  font-family: var(--font-heading);
  font-weight: 700;
  letter-spacing: 1.5px;
  font-size: 1.15rem;
  text-transform: uppercase;
  margin-bottom: 0.35rem;
}

.preloader-subtext {
  color: var(--text-light);
  font-size: 0.8rem;
  letter-spacing: 0.5px;
}

/* ==========================================================================
   2. TOP BAR & UTILITY COLORS
   ========================================================================== */
.top-bar, .top-bar-announcement {
  background: #040d16 !important;
  color: #ffffff !important;
  font-size: 0.82rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
  z-index: 1040;
}

.bg-navy-950 {
  background-color: #061727 !important;
}

.bg-navy-900 {
  background-color: #0a2540 !important;
}

.border-navy-800 {
  border-color: rgba(255, 255, 255, 0.12) !important;
}

.top-bar a, .top-bar-announcement a {
  color: #cbd5e1;
  transition: var(--transition-fast);
}

.top-bar a:hover, .top-bar-announcement a:hover {
  color: var(--color-accent-gold);
}

.top-bar-badge {
  background: rgba(197, 155, 39, 0.18);
  color: var(--color-accent-gold);
  border: 1px solid rgba(197, 155, 39, 0.35);
  font-size: 0.72rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  padding: 0.15rem 0.6rem;
}

/* ==========================================================================
   3. HEADER & MASTER NAVBAR
   ========================================================================== */
.master-header {
  position: sticky;
  top: 0;
  z-index: 1040;
  transition: var(--transition-base);
  background-color: #ffffff !important;
  box-shadow: 0 2px 12px rgba(10, 37, 64, 0.08);
  width: 100%;
}

.master-header.header-scrolled {
  background-color: rgba(255, 255, 255, 0.98) !important;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 4px 20px rgba(10, 37, 64, 0.12);
}

/* Fix Tailwind CSS .collapse conflict */
.master-header .navbar-collapse {
  visibility: visible !important;
}

@media (min-width: 992px) {
  .master-header .navbar-collapse {
    display: flex !important;
    visibility: visible !important;
    opacity: 1 !important;
    height: auto !important;
  }
}

.brand-logo-wrap {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.brand-symbol {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  border: 2px solid var(--color-accent);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  font-size: 1.4rem;
  box-shadow: 0 4px 10px rgba(10, 37, 64, 0.2);
}

.brand-name {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.3px;
}

.brand-tagline {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--color-accent);
  letter-spacing: 1.2px;
}

.navbar-nav .nav-link {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-main);
  padding: 0.75rem 1rem !important;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  position: relative;
  transition: var(--transition-fast);
}

.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active {
  color: var(--color-accent);
}

.navbar-nav .nav-link::after {
  content: '';
  position: absolute;
  bottom: 8px;
  left: 1rem;
  right: 1rem;
  height: 2px;
  background: var(--color-accent);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.25s ease-in-out;
}

.navbar-nav .nav-link:hover::after,
.navbar-nav .nav-link.active::after {
  transform: scaleX(1);
}

@media (min-width: 992px) {
  .master-header .container {
    position: relative !important;
  }
  .nav-item.dropdown-mega-item {
    position: static !important;
  }
  .navbar-nav .dropdown:hover > .dropdown-menu:not(.dropdown-menu-mega) {
    display: block !important;
    animation: dropdownStandardFadeIn 0.2s cubic-bezier(0.16, 1, 0.3, 1) forwards;
  }
  .navbar-nav .dropdown:hover > .dropdown-menu-mega {
    display: block !important;
    animation: dropdownMegaFadeIn 0.2s cubic-bezier(0.16, 1, 0.3, 1) forwards;
  }
}

@keyframes dropdownStandardFadeIn {
  from {
    opacity: 0;
    transform: translateY(8px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes dropdownMegaFadeIn {
  from {
    opacity: 0;
    transform: translate(-50%, 8px);
  }
  to {
    opacity: 1;
    transform: translate(-50%, 0);
  }
}

.dropdown-menu-mega {
  width: 960px;
  max-width: 95vw;
  left: 50% !important;
  right: auto !important;
  transform: translateX(-50%) !important;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 40px -15px rgba(10, 37, 64, 0.22);
  padding: 1.5rem;
  background: #ffffff;
  margin-top: 0.5rem;
}

.mega-menu-card {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  padding: 0.75rem;
  border-radius: var(--radius-md);
  transition: var(--transition-fast);
}

.mega-menu-card:hover {
  background: #f8fafc;
  transform: translateX(4px);
}

.mega-menu-icon {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-sm);
  background: var(--color-accent-light);
  color: var(--color-accent-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: var(--transition-fast);
}

.mega-menu-card:hover .mega-menu-icon {
  background: var(--color-accent);
  color: #ffffff;
}

.mega-menu-title {
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--color-primary);
  margin-bottom: 0.15rem;
}

.mega-menu-desc {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.35;
}

.mega-menu-badge {
  font-size: 0.65rem;
  font-weight: 700;
  background: #ecfdf5;
  color: #047857;
  padding: 0.1rem 0.45rem;
  border-radius: var(--radius-full);
}

.dropdown-menu-custom {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 0.6rem;
  min-width: 220px;
  margin-top: 0.5rem;
}

.dropdown-menu-custom .dropdown-item {
  font-weight: 500;
  font-size: 0.88rem;
  color: var(--text-main);
  padding: 0.55rem 0.85rem;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.dropdown-menu-custom .dropdown-item:hover {
  background-color: #f8fafc;
  color: var(--color-accent);
}

/* Mega Menu Column Header */
.mega-menu-column-header {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-muted);
  padding: 0.25rem 0.5rem 0.5rem 0.5rem;
  border-bottom: 1px solid var(--border-light);
  margin-bottom: 0.5rem;
}

/* Nav Action Buttons (Search & WhatsApp in Header) */
.btn-nav-action {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: #f8fafc;
  border: 1px solid var(--border-light);
  color: var(--color-primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  transition: var(--transition-fast);
  cursor: pointer;
}

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

.btn-nav-whatsapp {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  color: #10b981;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  transition: var(--transition-fast);
}

.btn-nav-whatsapp:hover {
  background: #10b981;
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(16, 185, 129, 0.35);
}

/* Accessibility Focus Ring */
.focus-visible-ring:focus-visible {
  outline: 2px solid var(--color-accent) !important;
  outline-offset: 3px !important;
  box-shadow: 0 0 0 4px rgba(197, 155, 39, 0.2) !important;
}

/* Mobile Offcanvas Drawer Navigation */
.mobile-menu-offcanvas {
  width: 320px !important;
  border-right: 1px solid var(--border-light);
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  padding: 0.75rem 1rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-primary);
  border-radius: var(--radius-md);
  transition: var(--transition-fast);
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  background: var(--color-accent-light);
  color: var(--color-accent-hover);
}

.mobile-accordion-btn {
  background: transparent;
  border: none;
  padding: 0.75rem 1rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-primary);
  border-radius: var(--radius-md);
  text-align: left;
  transition: var(--transition-fast);
}

.mobile-accordion-btn:hover {
  background: #f8fafc;
}

.mobile-accordion-btn:not(.collapsed) {
  background: var(--color-accent-light);
  color: var(--color-accent-hover);
}

.mobile-accordion-btn:not(.collapsed) .transition-transform {
  transform: rotate(180deg);
}

.mobile-subnav-link {
  display: block;
  font-size: 0.85rem;
  color: var(--text-muted);
  padding: 0.3rem 0.5rem;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}

.mobile-subnav-link:hover {
  color: var(--color-accent);
  transform: translateX(4px);
}

/* ==========================================================================
   4. HERO SECTION & LEAD FORM
   ========================================================================== */
.hero-section,
.page-hero-banner,
.calc-hero-header {
  background: radial-gradient(circle at 80% 20%, rgba(212, 175, 55, 0.12) 0%, transparent 50%),
              linear-gradient(135deg, #061727 0%, #0a2540 60%, #163e68 100%) !important;
  color: #ffffff !important;
  padding: 4.5rem 0 5rem 0;
  position: relative;
  overflow: hidden;
}

.hero-section::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 40px;
  background: linear-gradient(to top, var(--bg-body), transparent);
}

.hero-lead-card {
  background: rgba(255, 255, 255, 0.98);
  border-radius: var(--radius-xl);
  padding: 2rem 2.25rem;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.4);
  color: var(--text-main);
}

.hero-lead-header {
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 1rem;
  margin-bottom: 1.25rem;
}

.form-control-custom, .form-select-custom {
  background-color: #f8fafc;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  font-size: 0.9rem;
  color: var(--text-main);
  transition: var(--transition-fast);
}

.form-control-custom:focus, .form-select-custom:focus {
  background-color: #ffffff;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.15);
  outline: none;
}

/* ==========================================================================
   5. PARTNER BANKS MARQUEE
   ========================================================================== */
.partner-logo-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 1.2rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--color-primary);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-fast);
}

.partner-logo-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-accent);
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   6. REUSABLE PREMIUM LOAN CARDS
   ========================================================================== */
.premium-loan-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 2.2rem 1.85rem;
  transition: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.04);
}

.premium-loan-card:hover {
  transform: translateY(-8px);
  border-color: rgba(197, 155, 39, 0.45);
  box-shadow: 0 20px 35px -5px rgba(10, 37, 64, 0.12), 0 8px 15px -3px rgba(197, 155, 39, 0.15);
}

.premium-loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--color-accent), var(--color-primary-light));
  opacity: 0;
  transition: opacity 0.3s ease;
}

.premium-loan-card:hover::before {
  opacity: 1;
}

/* Featured / Most Popular Ribbon */
.featured-loan-card {
  border-color: rgba(197, 155, 39, 0.4);
  box-shadow: 0 10px 30px rgba(197, 155, 39, 0.15);
}

.featured-ribbon {
  position: absolute;
  top: 18px;
  right: -32px;
  background: linear-gradient(135deg, #d4af37 0%, #c59b27 100%);
  color: #ffffff;
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 0.25rem 2.5rem;
  transform: rotate(45deg);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);
}

/* Card Badge Icon */
.loan-badge-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: var(--color-accent-light, #fef9c3);
  color: var(--color-accent, #c59b27);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  border: 1px solid rgba(197, 155, 39, 0.25);
  box-shadow: 0 2px 8px rgba(197, 155, 39, 0.12);
}

.loan-badge-icon i {
  color: #c59b27;
  transition: color 0.3s ease;
}

.premium-loan-card:hover .loan-badge-icon {
  background: linear-gradient(135deg, #d4af37 0%, #c59b27 100%) !important;
  color: #ffffff !important;
  transform: scale(1.1) rotate(3deg);
  box-shadow: 0 8px 20px rgba(197, 155, 39, 0.4);
}

.premium-loan-card:hover .loan-badge-icon i {
  color: #ffffff !important;
}

/* Rate & Speed Pills */
.loan-rate-pill {
  background: #ecfdf5;
  color: #065f46;
  font-weight: 800;
  font-size: 0.82rem;
  padding: 0.3rem 0.75rem;
  border-radius: var(--radius-full);
  border: 1px solid #a7f3d0;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.loan-speed-pill {
  background: #f8fafc;
  color: #475569;
  font-weight: 600;
  font-size: 0.72rem;
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-full);
  border: 1px solid var(--border-light);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

.loan-speed-pill.speed-instant {
  background: #fef2f2;
  color: #b91c1c;
  border-color: #fecaca;
}

/* Title & Description */
.loan-card-title {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--color-primary);
  margin-bottom: 0.4rem;
}

.loan-card-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.45;
  margin-bottom: 1.25rem;
}

/* Metrics Grid */
.loan-metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.5rem;
  background: #f8fafc;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 0.75rem;
  margin-bottom: 1.25rem;
  text-align: center;
}

.metric-item {
  display: flex;
  flex-direction: column;
}

.metric-label {
  font-size: 0.68rem;
  text-transform: uppercase;
  font-weight: 700;
  color: #94a3b8;
  margin-bottom: 0.15rem;
}

.metric-value {
  font-size: 0.82rem;
  color: var(--color-primary);
  font-weight: 700;
}

/* Benefits Section */
.loan-benefits-section {
  margin-bottom: 1.25rem;
}

.loan-benefits-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.loan-benefits-list li {
  font-size: 0.82rem;
  color: #475569;
  margin-bottom: 0.4rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

/* Eligibility Box */
.loan-eligibility-box {
  background: rgba(197, 155, 39, 0.08);
  border: 1px dashed rgba(197, 155, 39, 0.35);
  border-radius: var(--radius-md);
  padding: 0.65rem 0.85rem;
  font-size: 0.76rem;
  color: #78350f;
  line-height: 1.35;
  margin-bottom: 1.4rem;
  display: flex;
  align-items: flex-start;
}

/* Footer Dual Action Buttons */
.loan-card-footer {
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.6rem;
}

.btn-outline-navy-sm {
  border: 1.5px solid var(--color-primary);
  color: var(--color-primary) !important;
  background: transparent;
  font-weight: 700;
  font-size: 0.82rem;
  padding: 0.55rem 1rem;
  border-radius: var(--radius-md);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: var(--transition-fast);
}

.btn-outline-navy-sm:hover {
  background: var(--color-primary);
  color: #ffffff !important;
}

.btn-gold-sm {
  background: linear-gradient(135deg, #d4af37 0%, #c59b27 100%);
  color: #ffffff !important;
  font-weight: 700;
  font-size: 0.82rem;
  padding: 0.6rem 1.15rem;
  border-radius: var(--radius-md);
  border: none;
  box-shadow: 0 4px 12px rgba(197, 155, 39, 0.35);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition-fast);
}

.btn-gold-sm:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(197, 155, 39, 0.5);
  color: #ffffff !important;
}

/* ==========================================================================
   7. WHY CHOOSE US
   ========================================================================== */
.feature-box {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 2.2rem 1.8rem;
  transition: var(--transition-base);
  height: 100%;
}

.feature-box:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--border-gold);
}

.feature-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(10, 37, 64, 0.06) 0%, rgba(197, 155, 39, 0.12) 100%);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  margin-bottom: 1.4rem;
}

/* ==========================================================================
   8. 4-STEP LOAN PROCESS ROADMAP
   ========================================================================== */
.process-step-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  position: relative;
  text-align: center;
  height: 100%;
  transition: var(--transition-fast);
}

.process-step-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.step-number-badge {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-accent-gold);
  border: 2px solid var(--color-accent);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: -40px auto 1rem auto;
  box-shadow: 0 4px 12px rgba(10, 37, 64, 0.25);
}

/* ==========================================================================
   9. EMI & ELIGIBILITY CALCULATORS
   ========================================================================== */
.calculator-box {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}

.calculator-result-card {
  background: linear-gradient(135deg, #0a2540 0%, #061727 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.2rem 2rem;
  box-shadow: 0 15px 30px rgba(10, 37, 64, 0.35);
  border: 1px solid rgba(197, 155, 39, 0.3);
}

.ratio-progress-bar {
  height: 12px;
  border-radius: var(--radius-full);
  background: #e2e8f0;
  overflow: hidden;
  display: flex;
  margin: 1.5rem 0;
}

.ratio-bar-principal {
  background: var(--color-accent);
  height: 100%;
  transition: width 0.3s ease;
}

.ratio-bar-interest {
  background: #38bdf8;
  height: 100%;
  transition: width 0.3s ease;
}

/* Custom Range Slider */
.form-range::-webkit-slider-thumb {
  background: var(--color-accent);
  box-shadow: 0 0 0 4px rgba(197, 155, 39, 0.25);
  cursor: pointer;
}

/* ==========================================================================
   10. TESTIMONIALS & REVIEWS
   ========================================================================== */
.testimonials-swiper {
  padding-bottom: 2rem !important;
}

.testimonial-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 2.2rem 2rem;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.06);
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.client-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: 2px solid var(--color-accent);
  object-fit: cover;
}

/* ==========================================================================
   11. STATISTICS & IMPACT COUNTERS
   ========================================================================== */
.stat-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1rem;
  backdrop-filter: blur(10px);
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.stat-card:hover {
  transform: translateY(-4px);
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(212, 175, 55, 0.3);
}

.stat-counter {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--color-accent-gold);
  line-height: 1.1;
  margin-bottom: 0.5rem;
  white-space: nowrap;
}

/* ==========================================================================
   12. FAQ ACCORDION
   ========================================================================== */
.accordion-item-custom {
  background: #ffffff;
  border: 1px solid var(--border-light) !important;
  border-radius: var(--radius-md) !important;
  margin-bottom: 1rem;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.accordion-button-custom {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--color-primary) !important;
  background-color: #ffffff;
  padding: 1.25rem 1.5rem;
  border: none;
  box-shadow: none !important;
}

.accordion-button-custom:not(.collapsed) {
  background-color: var(--color-accent-light);
  color: var(--color-accent-hover) !important;
}

.accordion-collapse.collapse,
.accordion-collapse.collapsing {
  visibility: visible !important;
}

.accordion-collapse.collapse.show {
  display: block !important;
  visibility: visible !important;
}

.accordion-collapse.collapse:not(.show) {
  display: none !important;
}

.accordion-body {
  padding: 1.25rem 1.5rem !important;
  background-color: #ffffff !important;
  color: #475569 !important;
  font-size: 0.92rem !important;
  line-height: 1.65 !important;
  border-top: 1px solid var(--border-light) !important;
}

/* ==========================================================================
   13. BLOG CARDS
   ========================================================================== */
.blog-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition-base);
  box-shadow: var(--shadow-sm);
  height: 100%;
}

.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.blog-image-wrap {
  position: relative;
  height: 190px;
  background: linear-gradient(135deg, #061727 0%, #0a2540 60%, #163e68 100%);
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  overflow: hidden;
}

.blog-image-wrap i {
  font-size: 3.25rem !important;
  color: #d4af37 !important;
  filter: drop-shadow(0 6px 16px rgba(212, 175, 55, 0.45));
  transition: transform 0.4s ease;
}

.blog-card:hover .blog-image-wrap i {
  transform: scale(1.15);
}

.blog-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(6, 23, 39, 0.85);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #fef08a !important;
  border: 1px solid rgba(212, 175, 55, 0.35);
  font-weight: 700;
  font-size: 0.72rem;
  padding: 0.3rem 0.8rem;
  border-radius: var(--radius-full);
  z-index: 2;
}

/* ==========================================================================
   14. CTA BANNER
   ========================================================================== */
.cta-banner-section {
  background: linear-gradient(135deg, #061727 0%, #0a2540 50%, #163e68 100%);
  border-radius: var(--radius-xl);
  padding: 4rem 3rem;
  color: #ffffff;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(197, 155, 39, 0.25);
}

/* ==========================================================================
   15. STICKY FLOATING ACTION WIDGETS
   ========================================================================== */
.sticky-whatsapp-btn {
  position: fixed;
  bottom: 25px;
  left: 25px;
  width: 58px;
  height: 58px;
  background: #25d366;
  color: #ffffff !important;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.85rem;
  box-shadow: 0 8px 20px rgba(37, 211, 102, 0.4);
  z-index: var(--z-sticky-widgets);
  transition: var(--transition-base);
}

.sticky-whatsapp-btn:hover {
  transform: scale(1.1);
  box-shadow: 0 12px 28px rgba(37, 211, 102, 0.6);
  color: #ffffff !important;
}

.sticky-call-btn {
  position: fixed;
  bottom: 95px;
  left: 25px;
  width: 50px;
  height: 50px;
  background: var(--color-primary);
  color: #ffffff !important;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  box-shadow: 0 6px 18px rgba(10, 37, 64, 0.35);
  z-index: var(--z-sticky-widgets);
  transition: var(--transition-base);
}

.sticky-call-btn:hover {
  transform: scale(1.1);
  background: var(--color-primary-light);
  box-shadow: 0 10px 25px rgba(10, 37, 64, 0.5);
  color: #ffffff !important;
}

.floating-apply-dock {
  position: fixed;
  bottom: 25px;
  right: 85px;
  z-index: var(--z-sticky-widgets);
}

.floating-apply-btn {
  background: linear-gradient(135deg, #d4af37 0%, #c59b27 50%, #aa8216 100%);
  color: #ffffff !important;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0.85rem 1.6rem;
  border-radius: var(--radius-full);
  box-shadow: 0 8px 25px rgba(197, 155, 39, 0.45);
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  transition: var(--transition-base);
  border: 2px solid rgba(255, 255, 255, 0.4);
}

.floating-apply-btn:hover {
  transform: translateY(-4px) scale(1.03);
  box-shadow: 0 14px 35px rgba(197, 155, 39, 0.6);
  color: #ffffff !important;
}

.scroll-to-top-btn {
  position: fixed;
  bottom: 25px;
  right: 25px;
  width: 48px;
  height: 48px;
  background: var(--color-primary-dark);
  color: #ffffff;
  border: 1.5px solid rgba(197, 155, 39, 0.4);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  box-shadow: var(--shadow-md);
  z-index: var(--z-sticky-widgets);
  opacity: 0;
  visibility: hidden;
  transform: translateY(15px);
  transition: var(--transition-base);
  cursor: pointer;
}

.scroll-to-top-btn.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.scroll-to-top-btn:hover {
  background: var(--color-accent);
  color: #ffffff;
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
}

/* ==========================================================================
   16. MASTER PREMIUM BANKING FOOTER
   ========================================================================== */
.master-footer {
  background: #06111f;
  color: #94a3b8;
  position: relative;
  overflow: hidden;
  border-top: 3px solid rgba(197, 155, 39, 0.35);
}

/* Newsletter Strip */
.footer-newsletter-banner {
  background: linear-gradient(135deg, #0a2540 0%, #061727 60%, #030e1a 100%);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 3.5rem 0;
  position: relative;
}

.footer-bell-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-lg);
  background: rgba(197, 155, 39, 0.15);
  border: 1.5px solid rgba(197, 155, 39, 0.3);
  color: var(--color-accent-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}

/* Partner Banks Strip */
.footer-partner-strip {
  background: #040c17;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  padding: 2rem 0;
}

.partner-badge {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  font-size: 0.8rem;
  font-weight: 700;
  color: #e2e8f0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  transition: var(--transition-fast);
}

.partner-badge:hover {
  background: rgba(197, 155, 39, 0.1);
  border-color: var(--color-accent);
  color: #ffffff;
  transform: translateY(-2px);
}

/* Main 5-Column Grid */
.footer-main-grid {
  padding: 5rem 0 3.5rem 0;
}

.footer-heading {
  color: #ffffff;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 1.5rem;
  position: relative;
  display: inline-block;
}

.footer-heading::after {
  content: '';
  position: absolute;
  bottom: -6px;
  left: 0;
  width: 32px;
  height: 2.5px;
  background: linear-gradient(90deg, var(--color-accent), transparent);
  border-radius: 2px;
}

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

.footer-links li {
  margin-bottom: 0.75rem;
}

.footer-links a {
  color: #94a3b8;
  font-size: 0.88rem;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  transition: var(--transition-fast);
}

.footer-links a:hover {
  color: var(--color-accent-gold);
  transform: translateX(4px);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  margin-bottom: 1.15rem;
  font-size: 0.88rem;
  color: #94a3b8;
}

.footer-contact-icon {
  width: 34px;
  height: 34px;
  border-radius: var(--radius-sm);
  background: rgba(197, 155, 39, 0.12);
  color: var(--color-accent-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.95rem;
  margin-top: 2px;
}

.social-links {
  display: flex;
  gap: 0.65rem;
  margin-top: 0.5rem;
}

.social-icon-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: #cbd5e1;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

.social-icon-btn:hover {
  background: var(--color-accent);
  border-color: var(--color-accent);
  color: #ffffff;
  transform: translateY(-3px);
  box-shadow: 0 6px 15px rgba(197, 155, 39, 0.35);
}

/* Statutory Disclaimer Card */
.footer-disclaimer-card {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-left: 3px solid var(--color-accent);
  border-radius: var(--radius-md);
  padding: 1.5rem;
}

/* Bottom Bar */
.footer-bottom-bar {
  background: #02070e;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 1.4rem 0;
}