:root {
    --primary: #1a3c5e;
    --primary-light: #2563a8;
    --accent: #00b894;
    --accent-2: #f97316;
    --bg: #f8fafc;
    --white: #ffffff;
    --text: #0f1e2e;
    --text-muted: #64748b;
    --border: #e2e8f0;
    --card-shadow: 0 4px 24px rgba(26,60,94,0.08);
    --nav-h: 72px;
  }

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

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

  a { text-decoration: none; color: inherit; }
  img { max-width: 100%; }
 
 .hero-card-right img{
    margin-bottom: -8px;
  }
  .hero-card{
    display: none;
  }
  /* ── ANNOUNCEMENT BAR ── */
  .announce-bar {
    background: linear-gradient(90deg, #1a3c5e 0%, #2563a8 100%);
    color: white;
    text-align: center;
    padding: 9px 20px;
    font-size: 0.82rem;
    font-weight: 500;
    letter-spacing: 0.01em;
  }
  .announce-bar a { color: #7dd3fc; text-decoration: underline; margin-left: 6px; }

  /* ── NAVBAR ── */
  .navbar {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: white;
    border-bottom: 1px solid var(--border);
    height: var(--nav-h);
    display: flex;
    align-items: center;
    padding: 0 5%;
    gap: 32px;
    transition: box-shadow 0.3s;
  }
  .navbar.scrolled { box-shadow: 0 4px 30px rgba(26,60,94,0.12); }

  .logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    font-size: 1.25rem;
    color: var(--primary);
    white-space: nowrap;
    flex-shrink: 0;
  }
  .logo-mark {
    width: 38px; height: 38px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    color: white; font-size: 0.8rem; font-weight: 800;
    letter-spacing: -0.5px;
  }

  /* ── NAV LINKS ── */
  .nav-links {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 4px;
    flex: 1;
  }

  .nav-links > li {
    position: relative;
  }

  .nav-links > li > a,
  .nav-links > li > .nav-item {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 8px 14px;
    border-radius: 8px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text);
    cursor: pointer;
    transition: background 0.2s, color 0.2s;
    white-space: nowrap;
  }
  .nav-links > li > a:hover,
  .nav-links > li > .nav-item:hover,
  .nav-links > li:hover > a,
  .nav-links > li:hover > .nav-item {
    background: var(--bg);
    color: var(--primary-light);
  }

  .nav-item .chevron {
    width: 14px; height: 14px;
    transition: transform 0.25s;
    opacity: 0.5;
  }
  /* .nav-links > li:hover .chevron { 
    transform: rotate(180deg);
     opacity: 1; 
    } */
    /* Chevron rotate logic update */
.nav-links > li.active .chevron {
    transform: rotate(180deg);
    opacity: 1;
}

  /* ── DROPDOWN ── */
  .dropdown {
    position: absolute;
    top: calc(100% + 10px);
    left: 0;
    background: white;
    border: 1px solid var(--border);
    border-radius: 16px;
    box-shadow: 0 20px 60px rgba(26,60,94,0.15);
    min-width: 220px;
    padding: 10px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: all 0.22s cubic-bezier(.4,0,.2,1);
    pointer-events: none;
  }
  .nav-links > li:hover .dropdown {
   opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    pointer-events: none;
  }
/* Jab active class ho tabhi dikhega */
.nav-links > li.active .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: all;
}
  /* Wide dropdown for Loans */
  .dropdown-wide {
    min-width: 580px;
    left: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4px;
    padding: 16px;
  }
  .dropdown-section-title {
    grid-column: 1 / -1;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-muted);
    padding: 8px 10px 4px;
  }

  .dropdown a {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 12px;
    border-radius: 10px;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text);
    transition: background 0.15s;
  }
  .dropdown a:hover { background: #f1f5f9; color: var(--primary-light); }
  .dropdown a .d-icon {
    width: 36px; height: 36px;
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
  }
  .dropdown a .d-text { display: flex; flex-direction: column; }
  .dropdown a .d-text small { font-size: 0.72rem; color: var(--text-muted); font-weight: 400; }

  /* ── NAV ACTIONS ── */
  .nav-actions {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-left: auto;
  }
  .btn-ghost {
    padding: 9px 18px;
    border: 1.5px solid var(--border);
    border-radius: 50px;
    background: transparent;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text);
    cursor: pointer;
    transition: all 0.2s;
    font-family: inherit;
  }
  .btn-ghost:hover { border-color: var(--primary-light); color: var(--primary-light); }
  .btn-primary-nav {
    padding: 9px 20px;
    border-radius: 50px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border: none;
    color: white;
    font-size: 0.875rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s;
    font-family: inherit;
    white-space: nowrap;
  }
  .btn-primary-nav:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(37,99,168,0.35); }

  /* ── HAMBURGER ── */
  .hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 4px;
    margin-left: auto;
  }
  .hamburger span {
    display: block; width: 24px; height: 2px;
    background: var(--text);
    border-radius: 4px;
    transition: all 0.3s;
  }

  /* ── MOBILE MENU ── */
  .mobile-menu {
    display: none;
    position: fixed;
    top: var(--nav-h);
    left: 0; right: 0; bottom: 0;
    background: white;
    z-index: 999;
    overflow-y: auto;
    padding: 20px;
    flex-direction: column;
    gap: 4px;
  }
  .mobile-menu.open { display: flex; }
  .mobile-menu a {
    padding: 12px 16px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 1rem;
    color: var(--text);
    display: block;
  }
  .mobile-menu a:hover { background: var(--bg); color: var(--primary-light); }
  .mobile-submenu-title {
    padding: 16px 16px 6px;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-muted);
  }
  .mobile-menu .m-cta {
    margin-top: 16px;
    padding: 14px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: white;
    text-align: center;
    border-radius: 50px;
    font-weight: 700;
    font-size: 1rem;
  }

  /* ── HERO ── */
  .hero {
    background: linear-gradient(150deg, #0d2540 0%, #1a3c5e 50%, #1e4976 100%);
    position: relative;
    overflow: hidden;
    padding: 80px 5% 0px;
  }

  .hero::before {
    content: '';
    position: absolute;
    top: -100px; right: -150px;
    width: 600px; height: 600px;
    background: radial-gradient(circle, rgba(37,99,168,0.4) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero::after {
    content: '';
    position: absolute;
    bottom: -80px; left: -100px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(0,184,148,0.15) 0%, transparent 70%);
    pointer-events: none;
  }

  /* Floating dots */
  .hero-dots {
    position: absolute; inset: 0; pointer-events: none;
    background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
    background-size: 32px 32px;
  }

  .hero-inner {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    max-width: 1200px;
    margin: 0 auto;
  }

  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(0,184,148,0.15);
    border: 1px solid rgba(0,184,148,0.3);
    color: #4ade80;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    padding: 6px 14px;
    border-radius: 50px;
    margin-bottom: 22px;
  }
  .hero-badge .pulse {
    width: 7px; height: 7px;
    background: #4ade80;
    border-radius: 50%;
    animation: pulse 2s infinite;
  }
  @keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.4); }
  }

  .hero-title {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(2.2rem, 4vw, 3.4rem);
    line-height: 1.15;
    color: white;
    margin-bottom: 20px;
  }
  .hero-title .accent-text {
    color: #67e8f9;
  }

  .hero-subtitle {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.72);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 500px;
  }

  .hero-trust {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 32px;
  }
  .trust-item {
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .trust-num {
    font-size: 1.5rem;
    font-weight: 800;
    color: white;
    line-height: 1;
  }
  .trust-label {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.5);
    font-weight: 500;
    margin-top: 2px;
    white-space: nowrap;
  }
  .trust-divider {
    width: 1px; height: 36px;
    background: rgba(255,255,255,0.15);
  }

  .hero-ctas {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
  }
  .btn-hero-primary {
    padding: 14px 28px;
    background: linear-gradient(135deg, var(--accent) 0%, #00a381 100%);
    border: none;
    border-radius: 50px;
    color: white;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.25s;
    font-family: inherit;
    box-shadow: 0 8px 24px rgba(0,184,148,0.35);
  }
  .btn-hero-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(0,184,148,0.45); }
  .btn-hero-secondary {
    padding: 14px 28px;
    background: rgba(255,255,255,0.1);
    border: 1.5px solid rgba(255,255,255,0.25);
    border-radius: 50px;
    color: white;
    font-size: 0.95rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.25s;
    font-family: inherit;
    backdrop-filter: blur(8px);
  }
  .btn-hero-secondary:hover { background: rgba(255,255,255,0.18); }

  /* Hero card / calculator */
  .hero-card {
    background: white;
    border-radius: 24px;
    padding: 32px;
    box-shadow: 0 32px 80px rgba(0,0,0,0.25);
    position: relative;
  }
  .hero-card-title {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 4px;
  }
  .hero-card-sub {
    font-size: 0.82rem;
    color: var(--text-muted);
    margin-bottom: 24px;
  }

  .form-label {
    display: block;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 6px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }
  .form-group { margin-bottom: 18px; }
  .select-wrap { position: relative; }
  .select-wrap::after {
    content: '▾';
    position: absolute; right: 14px; top: 50%; transform: translateY(-50%);
    pointer-events: none; color: var(--text-muted); font-size: 0.8rem;
  }
  .form-select {
    width: 100%;
    padding: 12px 36px 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: 12px;
    font-size: 0.9rem;
    font-family: inherit;
    color: var(--text);
    background: white;
    appearance: none;
    cursor: pointer;
    transition: border-color 0.2s;
  }
  .form-select:focus { outline: none; border-color: var(--primary-light); }

  .range-wrap { margin-bottom: 18px; }
  .range-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 8px;
  }
  .range-val {
    font-size: 1rem;
    font-weight: 800;
    color: var(--primary);
  }
  input[type=range] {
    width: 100%;
    height: 6px;
    border-radius: 6px;
    appearance: none;
    background: linear-gradient(to right, var(--primary-light) var(--pct, 50%), #e2e8f0 var(--pct, 50%));
    cursor: pointer;
    --pct: 50%;
  }
  input[type=range]::-webkit-slider-thumb {
    appearance: none;
    width: 20px; height: 20px;
    border-radius: 50%;
    background: var(--primary);
    border: 3px solid white;
    box-shadow: 0 2px 8px rgba(26,60,94,0.35);
  }
  .range-labels {
    display: flex; justify-content: space-between;
    font-size: 0.7rem; color: var(--text-muted); margin-top: 4px;
  }

  .est-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    background: #f8fafc;
    border-radius: 14px;
    padding: 16px;
    margin: 18px 0;
    border: 1.5px solid var(--border);
  }
  .est-item { text-align: center; }
  .est-label { font-size: 0.72rem; color: var(--text-muted); font-weight: 600; margin-bottom: 4px; }
  .est-val { font-size: 1.1rem; font-weight: 800; color: var(--primary); }

  .btn-apply {
    width: 100%;
    padding: 15px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border: none;
    border-radius: 14px;
    color: white;
    font-size: 1rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.25s;
    font-family: inherit;
    letter-spacing: 0.02em;
  }
  .btn-apply:hover { transform: translateY(-1px); box-shadow: 0 8px 24px rgba(37,99,168,0.35); }

  .no-score {
    text-align: center;
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-top: 12px;
    display: flex;
    justify-content: center;
    gap: 12px;
  }
  .no-score span { display: flex; align-items: center; gap: 4px; }
  .no-score span::before { content: '✓'; color: var(--accent); font-weight: 800; }

  /* ── TRUSTED LOGOS ── */
  .trusted-bar {
    background: white;
    border-bottom: 1px solid var(--border);
    padding: 20px 5%;
  }
  .trusted-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
    justify-content: center;
  }
  .trusted-label {
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    white-space: nowrap;
  }
  .trusted-logos {
    display: flex;
    align-items: center;
    gap: 32px;
    flex-wrap: wrap;
    justify-content: center;
  }
  .trusted-logo {
    font-size: 0.9rem;
    font-weight: 800;
    color: #94a3b8;
    letter-spacing: -0.02em;
    transition: color 0.2s;
  }
  .trusted-logo:hover { color: var(--primary); }

  /* ── SECTION ── */
  .section {
    padding: 80px 5%;
  }
  .section-inner { max-width: 1200px; margin: 0 auto; }

  .section-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: #e0f2fe;
    color: var(--primary-light);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 5px 12px;
    border-radius: 50px;
    margin-bottom: 14px;
  }
  .section-title {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    line-height: 1.2;
    color: var(--primary);
    margin-bottom: 14px;
  }
  .section-sub {
    font-size: 1rem;
    color: var(--text-muted);
    max-width: 580px;
    line-height: 1.7;
  }
  .section-header {
    margin-bottom: 48px;
  }

  /* ── LOAN CARDS ── */
  .loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }

  .loan-card {
    background: white;
    border-radius: 20px;
    padding: 15px;
    border: 1.5px solid var(--border);
    transition: all 0.28s cubic-bezier(.4,0,.2,1);
    position: relative;
    overflow: hidden;
    cursor: pointer;
  }
  .loan-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    opacity: 0;
    transition: opacity 0.28s;
    z-index: -1;
  }
  .loan-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 20px 50px rgba(26,60,94,0.12);
    border-color: var(--primary-light);
  }
  .loan-card:hover::before { opacity: 0.03; }

  .loan-card-icon {
    width: 52px; height: 52px;
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
    margin-bottom: 18px;
  }
  .loan-card-name {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 8px;
  }
  .loan-card-desc {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin-bottom: 18px;
  }
  .loan-rate-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background: #f0fdf4;
    border: 1px solid #bbf7d0;
    color: #16a34a;
    font-size: 0.78rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 50px;
    margin-bottom: 18px;
  }
  .loan-card-link {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--primary-light);
    transition: gap 0.2s;
  }
  .loan-card:hover .loan-card-link { gap: 10px; }

  /* Loan card highlighted */
  .loan-card.featured {
    background: linear-gradient(135deg, var(--primary) 0%, #1a5280 100%);
    border-color: transparent;
    color: white;
  }
  .loan-card.featured .loan-card-name { color: white; }
  .loan-card.featured .loan-card-desc { color: rgba(255,255,255,0.7); }
  .loan-card.featured .loan-rate-badge {
    background: rgba(255,255,255,0.15);
    border-color: rgba(255,255,255,0.2);
    color: #a7f3d0;
  }
  .loan-card.featured .loan-card-link { color: #67e8f9; }

  /* ── HOW IT WORKS ── */
  .how-section {
    background: linear-gradient(150deg, #f0f7ff 0%, #e8f4ff 100%);
    padding: 80px 5%;
  }
  .steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 28px;
    position: relative;
  }
  .steps-grid::before {
    content: '';
    position: absolute;
    top: 32px;
    left: 12%;
    right: 12%;
    height: 2px;
    background: linear-gradient(90deg, var(--primary-light), var(--accent));
    opacity: 0.2;
  }

  .step-card {
    background: white;
    border-radius: 20px;
    padding: 28px 22px;
    text-align: center;
    border: 1.5px solid var(--border);
    position: relative;
    transition: transform 0.25s, box-shadow 0.25s;
  }
  .step-card:hover { transform: translateY(-4px); box-shadow: var(--card-shadow); }

  .step-num {
    width: 48px; height: 48px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border-radius: 50%;
    color: white;
    font-size: 1rem;
    font-weight: 800;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 16px;
    box-shadow: 0 6px 16px rgba(37,99,168,0.3);
  }
  .step-icon { font-size: 1.8rem; margin-bottom: 14px; }
  .step-title {
    font-size: 0.95rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 8px;
  }
  .step-desc {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.6;
  }

  /* ── RATES TABLE ── */
  .rates-section {
    padding: 80px 5%;
    background: white;
  }
  .rates-table-wrap {
    border: 1.5px solid var(--border);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--card-shadow);
  }
  .rates-table {
    width: 100%;
    border-collapse: collapse;
  }
  .rates-table thead tr {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  }
  .rates-table thead th {
    color:var(--primary-light) ;
    padding: 16px 20px;
    font-size: 0.82rem;
    font-weight: 700;
    text-align: left;
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }
  .rates-table tbody tr {
    border-bottom: 1px solid var(--border);
    transition: background 0.15s;
  }
  .rates-table tbody tr:last-child { border-bottom: none; }
  .rates-table tbody tr:hover { background: #f8fafc; }
  .rates-table td {
    padding: 16px 20px;
    font-size: 0.9rem;
    color: var(--text);
  }
  .rates-table td .loan-name-cell {
    display: flex; align-items: center; gap: 12px;
  }
  .rates-table td .loan-emoji { font-size: 1.2rem; }
  .rates-table td strong { font-weight: 700; }
  .rate-pill {
    display: inline-flex;
    background: #f0fdf4;
    color: #16a34a;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 50px;
    font-size: 0.82rem;
    border: 1px solid #bbf7d0;
  }
  .apply-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background: var(--primary);
    color: white;
    padding: 7px 16px;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 700;
    transition: all 0.2s;
  }
  .apply-link:hover { background: var(--primary-light); transform: translateY(-1px); }

  /* ── TESTIMONIALS ── */
  .testimonials-section {
    padding: 80px 5%;
    background: var(--bg);
  }
  .testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
  }
  .testimonial-card {
    background: white;
    border-radius: 20px;
    padding: 28px;
    border: 1.5px solid var(--border);
    transition: transform 0.25s, box-shadow 0.25s;
  }
  .testimonial-card:hover { transform: translateY(-3px); box-shadow: var(--card-shadow); }
  .stars { color: #f59e0b; font-size: 0.9rem; margin-bottom: 14px; }
  .testimonial-text {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 18px;
    font-style: italic;
  }
  .testimonial-author {
    display: flex; align-items: center; gap: 12px;
  }
  .author-avatar {
    width: 42px; height: 42px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-weight: 800;
    font-size: 0.9rem;
    color: white;
    flex-shrink: 0;
  }
  .author-name { font-size: 0.875rem; font-weight: 700; color: var(--text); }
  .author-info { font-size: 0.75rem; color: var(--text-muted); }

  /* ── CTA SECTION ── */
  .cta-section {
    padding: 80px 5%;
    background: linear-gradient(135deg, #0d2540 0%, #1a3c5e 60%, #1e4d8c 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .cta-section::before {
    content: '';
    position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
    background-size: 32px 32px;
  }
  .cta-inner {
    position: relative;
    z-index: 1;
    max-width: 680px;
    margin: 0 auto;
  }
  .cta-title {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(1.8rem, 3vw, 2.8rem);
    color: white;
    margin-bottom: 16px;
    line-height: 1.2;
  }
  .cta-sub {
    color: rgba(255,255,255,0.65);
    font-size: 1rem;
    margin-bottom: 36px;
    line-height: 1.7;
  }
  .cta-btns {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
  }

  /* ── FAQ ── */
  .faq-section {
    padding: 80px 5%;
    background: white;
  }
  .faq-wrap {
    max-width: 780px;
    margin: 0 auto;
  }
  .faq-item {
    border: 1.5px solid var(--border);
    border-radius: 14px;
    margin-bottom: 10px;
    overflow: hidden;
    transition: border-color 0.2s;
  }
  .faq-item.active { border-color: var(--primary-light); }
  .faq-q {
    padding: 18px 22px;
    font-weight: 700;
    font-size: 0.95rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    color: var(--text);
    user-select: none;
    transition: color 0.2s;
  }
  .faq-item.active .faq-q { color: var(--primary-light); }
  .faq-toggle {
    width: 28px; height: 28px;
    background: var(--bg);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
    transition: all 0.25s;
    color: var(--text-muted);
  }
  .faq-item.active .faq-toggle {
    background: var(--primary-light);
    color: white;
    transform: rotate(45deg);
  }
  .faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(.4,0,.2,1), padding 0.35s;
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.75;
    padding: 0 22px;
  }
  .faq-item.active .faq-a {
    max-height: 300px;
    padding: 0 22px 18px;
  }

  /* ── FOOTER ── */
  footer {
    background: #0a1929;
    color: rgba(255,255,255,0.6);
    padding: 60px 5% 0;
  }
  .footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
    gap: 48px;
    max-width: 1200px;
    margin: 0 auto;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .footer-brand .logo { color: white; }
  .footer-brand p {
    font-size: 0.875rem;
    line-height: 1.7;
    margin-top: 14px;
    color: rgba(255,255,255,0.45);
  }
  .footer-col h4 {
    color: white;
    font-size: 0.85rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    margin-bottom: 16px;
  }
  .footer-col ul { list-style: none; }
  .footer-col ul li { margin-bottom: 9px; }
  .footer-col ul li a {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.5);
    transition: color 0.2s;
  }
  .footer-col ul li a:hover { color: white; }
  .footer-bottom {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.3);
  }
  .footer-links { display: flex; gap: 20px; }
  .footer-links a { color: rgba(255,255,255,0.4); transition: color 0.2s; }
  .footer-links a:hover { color: white; }

  /* ── SCROLL TO TOP ── */
  #scrollTop {
    position: fixed; bottom: 28px; right: 28px;
    width: 46px; height: 46px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border: none; color: white; font-size: 1.1rem;
    cursor: pointer;
    box-shadow: 0 6px 20px rgba(26,60,94,0.35);
    display: none; align-items: center; justify-content: center;
    transition: all 0.25s; z-index: 999;
  }
  #scrollTop:hover { transform: translateY(-2px); }

  /* ── REVEAL ── */
  .reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
  .reveal.visible { opacity: 1; transform: translateY(0); }

  /* ── RESPONSIVE ── */
  @media (max-width: 1024px) {
    .loan-grid { grid-template-columns: repeat(2, 1fr); }
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .steps-grid::before { display: none; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .testimonials-grid { grid-template-columns: 1fr 1fr; }
  }

  @media (max-width: 768px) {
    .hero-inner { grid-template-columns: 1fr; }
    .nav-links, .nav-actions { display: none; }
    .hamburger { display: flex; }
    .loan-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr; }
    .rates-table thead th:nth-child(3),
    .rates-table td:nth-child(3) { display: none; }
    .testimonials-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-bottom { flex-direction: column; text-align: center; }
  }

  /* persoal loan page */
   /* ── HERO ── */
  .hero-sub { background: linear-gradient(150deg, #0d2540 0%, #1a3c5e 50%, #1e4976 100%); padding: 80px 5% 120px; color: white; text-align: center; }
  .hero-title { font-family: 'DM Serif Display', serif; font-size: clamp(2.2rem, 5vw, 3.5rem); margin-bottom: 15px; }
  .hero-tagline { font-size: 1.1rem; opacity: 0.85; max-width: 700px; margin: 0 auto 30px; color:#fff;}

  /* ── CALCULATOR ── */
  .calc-card { max-width: 650px; margin: -80px auto 60px; background: white; border-radius: 24px; padding: 40px; box-shadow: 0 32px 80px rgba(0,0,0,0.15); position: relative; z-index: 2; }
  .form-label { display: block; font-size: 0.8rem; font-weight: 800; margin-bottom: 10px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text); }
  .range-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
  .range-val { font-size: 1.25rem; font-weight: 800; color: var(--primary); }
  input[type=range] { width: 100%; height: 6px; border-radius: 6px; appearance: none; background: #e2e8f0; cursor: pointer; margin-bottom: 25px; }
  input[type=range]::-webkit-slider-thumb { appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--primary); border: 4px solid white; box-shadow: 0 2px 10px rgba(0,0,0,0.1); }
  
  .summary-box { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; background: var(--bg); padding: 25px; border-radius: 16px; margin-bottom: 30px; border: 1.5px solid var(--border); }
  .sum-item { text-align: center; }
  .sum-label { font-size: 0.75rem; color: var(--text-muted); font-weight: 700; text-transform: uppercase; }
  .sum-val { font-size: 1.6rem; font-weight: 800; color: var(--primary); }
  
  .btn-main { width: 100%; padding: 20px; background: var(--accent); color: white; border: none; border-radius: 50px; font-weight: 800; font-size: 1.1rem; cursor: pointer; transition: 0.3s; }
  .btn-main:hover { transform: translateY(-2px); box-shadow: 0 10px 25px rgba(0, 184, 148, 0.4); }

  /* ── DATA SECTION ── */
  .section { padding: 80px 5%; max-width: 1200px; margin: 0 auto; }
  .grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
  .section-h { font-family: 'DM Serif Display', serif; font-size: 2.4rem; color: var(--primary); margin-bottom: 20px; }
  .section-p { color: var(--text-muted); font-size: 1.05rem; margin-bottom: 25px; }
  
  /* ── APR TABLE ── */
  .table-wrap { overflow-x: auto; margin: 40px 0; border: 1.5px solid var(--border); border-radius: 16px; background: white; }
  table { width: 100%; border-collapse: collapse; min-width: 500px; }
  th { background: #f1f5f9; text-align: left; padding: 15px 20px; font-size: 0.85rem; color: var(--primary); text-transform: uppercase; border-bottom: 1.5px solid var(--border); }
  td { padding: 15px 20px; border-bottom: 1px solid var(--border); font-size: 0.95rem; }
  .tier-label { font-weight: 700; color: var(--primary); }
  .rate-tag { background: #e0f2fe; color: #0369a1; padding: 4px 10px; border-radius: 50px; font-weight: 700; font-size: 0.85rem; }

  /* ── FOOTER ── */
  footer { background: #0a1929; color: rgba(255,255,255,0.5); padding: 40px 5%; text-align: center; }
  .legal { font-size: 0.75rem; max-width: 900px; margin: 0 auto; line-height: 1.6; }

  @media (max-width: 768px) { .grid-2 { grid-template-columns: 1fr; } .hero-title { font-size: 2.4rem; } }


  /* Student Loan Page */

   .form-group { margin-bottom: 20px; text-align: left; }
    .form-label { font-size: 0.85rem; font-weight: 700; color: #1a2b49; margin-bottom: 8px; display: block; text-transform: uppercase; letter-spacing: 0.5px; }

    .form-select, .form-input {
      width: 100%;
      padding: 14px 16px;
      border: 2px solid var(--border);
      border-radius: var(--radius-sm);
      font-family: 'Manrope', sans-serif;
      font-size: 0.95rem; color: var(--text);
      background: white;
      outline: none; transition: all 0.2s;
      appearance: none;
      box-sizing: border-box;
    }
    .form-select:focus, .form-input:focus { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(0, 123, 255, 0.1); }

    .select-wrap { position: relative; }
    .select-wrap::after {
      content: '▾'; position: absolute; right: 16px; top: 50%;
      transform: translateY(-50%); color: var(--text-muted); pointer-events: none; font-size: 1.2rem;
    }

    /* Info Box for Advance Approval */
    .advance-info {
        background: #f0f7ff;
        border-left: 4px solid #007bff;
        padding: 15px;
        border-radius: 8px;
        margin-bottom: 25px;
        text-align: left;
    }
    .advance-info p {
        font-size: 0.85rem;
        color: #004a99;
        line-height: 1.5;
        margin: 0;
    }

    .calc-card { max-width: 550px; margin: -100px auto 50px; padding: 40px; }
    
    .hero-sub { padding-bottom: 140px; }


     /* Medical Page Specific Styles */
    .medical-container {
        padding: 60px 20px;
        max-width: 1200px;
        margin: 0 auto;
    }

    .medical-grid {
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
        gap: 30px;
        margin-top: 40px;
    }

    /* Card Styling based on your shared image */
    .med-card {
        background: white;
        border-radius: 16px;
        overflow: hidden;
        box-shadow: 0 10px 30px rgba(0,0,0,0.08);
        display: flex;
        flex-direction: column;
        transition: transform 0.3s ease;
        border: 1px solid #eee;
    }

    .med-card:hover {
        transform: translateY(-5px);
    }

    .med-card-header {
        height: 80px;
        background: linear-gradient(to right, #0f172a, #334155); /* Dark gradient like image */
        position: relative;
        display: flex;
        justify-content: center;
    }

    .med-icon-box {
        width: 60px;
        height: 60px;
        background: white;
        border-radius: 12px;
        position: absolute;
        bottom: -30px;
        display: flex;
        align-items: center;
        justify-content: center;
        box-shadow: 0 4px 15px rgba(0,0,0,0.1);
        font-size: 24px;
    }

    .med-card-body {
        padding: 50px 25px 25px;
        text-align: center;
        flex-grow: 1;
    }

    .med-card-body h2 {
        font-family: 'DM Serif Display', serif;
        font-size: 1.5rem;
        margin-bottom: 12px;
        color: #1a1a1a;
    }

    .med-sub-headline {
        font-weight: 700;
        font-size: 0.95rem;
        color: #333;
        margin-bottom: 10px;
        line-height: 1.4;
    }

    .med-description {
        font-size: 0.85rem;
        color: #666;
        line-height: 1.6;
        margin-bottom: 25px;
    }

    /* Zip Box Styling */
    .zip-form {
        margin-top: auto;
    }

    .zip-input {
        width: 100%;
        padding: 12px;
        border: 2px solid #e2e8f0;
        border-radius: 8px;
        margin-bottom: 12px;
        text-align: center;
        font-family: inherit;
        font-size: 1rem;
        outline: none;
    }

    .zip-input:focus {
        border-color: #2563eb;
    }

    .med-submit-btn {
        width: 100%;
        background: #2563eb;
        color: white;
        border: none;
        padding: 14px;
        border-radius: 8px;
        font-weight: 700;
        cursor: pointer;
        transition: background 0.2s;
        text-transform: uppercase;
        letter-spacing: 0.5px;
    }

    .med-submit-btn:hover {
        background: #1d4ed8;
    }

    /* Hero adjustments for Medical */
    .medical-hero-bg {
           background: linear-gradient(150deg, #0d2540 0%, #1a3c5e 50%, #1e4976 100%);
        padding: 80px 0 40px;
        text-align: center;
    }