:root{
  --primary:#1a3c6e;--primary-dark:#122d52;--primary-light:#e8f0fb;
  --accent:#e8392a;--accent-hover:#c42d1f;
  --green:#0a8f5c;--green-light:#e6f7f1;
  --gold:#f5a623;--text:#1a1a2e;--text-muted:#6b7280;
  --border:#e5e7eb;--border-light:#f0f4f8;
  --bg:#ffffff;--bg-soft:#f8fafc;
  --shadow:0 1px 3px rgba(0,0,0,.08),0 4px 16px rgba(0,0,0,.06);
  --shadow-lg:0 8px 32px rgba(26,60,110,.12);
  --radius:12px;--radius-lg:20px;
  --font:'Inter',system-ui,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:var(--bg);font-size:15px;line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:inherit}
img{max-width:100%}
ul,ol{list-style:none}
button{cursor:pointer;font-family:var(--font)}
input,select,textarea{font-family:var(--font)}

/* ── UTILS ── */
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:56px 0}
.section-sm{padding:40px 0}
.text-center{text-align:center}
.tag{display:inline-block;background:var(--primary-light);color:var(--primary);font-size:11px;font-weight:700;padding:3px 10px;border-radius:4px;text-transform:uppercase;letter-spacing:.8px;margin-bottom:10px}
.section-title{font-size:clamp(24px,3vw,36px);font-weight:800;color:var(--primary);line-height:1.2;margin-bottom:12px}
.section-sub{color:var(--text-muted);font-size:15px;line-height:1.7;max-width:560px}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 22px;border-radius:8px;font-weight:600;font-size:14px;border:none;transition:all .2s;text-decoration:none;white-space:nowrap}
.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-hover);transform:translateY(-1px);box-shadow:0 4px 12px rgba(232,57,42,.3)}
.btn-outline{background:transparent;color:var(--primary);border:1.5px solid var(--primary)}.btn-outline:hover{background:var(--primary);color:#fff}
.btn-wa{background:#25d366;color:#fff}.btn-wa:hover{background:#1ebb58}
.btn-ghost{background:transparent;color:var(--primary);border:1.5px solid var(--border)}.btn-ghost:hover{border-color:var(--primary);background:var(--primary-light)}
.btn-lg{padding:14px 32px;font-size:15px}
.btn-full{width:100%}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:#088a55}

/* ── TOPBAR ── */
.topbar{background:var(--primary-dark);color:rgba(255,255,255,.85);font-size:12.5px;padding:7px 0}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:12px}
.topbar-left{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.topbar-left a{color:rgba(255,255,255,.85);transition:color .15s}.topbar-left a:hover{color:#fff}
.sep{opacity:.4}
.topbar-right{}
.tb-badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:2px 10px;border-radius:4px;font-size:11px;font-weight:600}

/* ── NAVBAR ── */
.navbar{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:1000;transition:box-shadow .2s}
.navbar.scrolled{box-shadow:0 4px 20px rgba(0,0,0,.1)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{display:flex;align-items:center;flex-shrink:0}
.nav-links{display:flex;align-items:center;gap:2px;margin:0}
.nav-links li{position:relative}
.nav-links a{display:flex;align-items:center;gap:4px;padding:8px 13px;border-radius:8px;font-weight:500;font-size:14px;color:var(--text);transition:all .15s;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--primary);background:var(--primary-light)}
.nav-links .drop-toggle{cursor:pointer}
.arrow{display:inline-block;width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid currentColor;margin-left:5px;vertical-align:middle;transition:transform .2s;flex-shrink:0;position:relative;top:-1px}
.has-drop.open .arrow,.has-drop:hover .arrow{transform:rotate(180deg)}

/* DROPDOWN */
.dropdown{position:absolute;top:calc(100% + 6px);left:0;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);min-width:220px;z-index:200;opacity:0;visibility:hidden;transform:translateY(-8px);transition:all .2s;pointer-events:none}
.has-drop:hover .dropdown,.has-drop.open .dropdown{opacity:1;visibility:visible;transform:translateY(0);pointer-events:all}
.dropdown a{display:flex;align-items:center;gap:10px;padding:11px 16px;font-size:13.5px;font-weight:500;color:var(--text);border-radius:0;transition:all .15s}
.dropdown a:hover,.dropdown a.active{background:var(--primary-light);color:var(--primary)}
.di{font-size:16px;width:28px;text-align:center}
.nav-cta{display:flex;gap:10px;align-items:center}
.pfh-navbar .nav-inner{height:76px}
.pfh-phone-link{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text)}
.pfh-phone-ic{font-size:18px;color:var(--primary)}
.pfh-phone-link strong{display:block;font-size:14px;font-weight:700;color:var(--text)}
.pfh-phone-link small{display:block;font-size:11px;color:var(--text-muted)}

/* HAMBURGER */
.hamburger{display:none;background:none;border:none;padding:6px;flex-direction:column;gap:5px;cursor:pointer}
.hamburger span{display:block;width:22px;height:2px;background:var(--primary);border-radius:2px;transition:all .3s}
.hamburger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* ── MOBILE NAV ── */
.mobile-nav{position:fixed;top:0;left:0;bottom:0;width:300px;max-width:85vw;background:#fff;z-index:1100;transform:translateX(-100%);transition:transform .3s ease;display:flex;flex-direction:column;box-shadow:4px 0 20px rgba(0,0,0,.15)}
.mobile-nav.open{transform:translateX(0)}
.mn-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:1099;opacity:0;pointer-events:none;transition:opacity .3s}
.mn-overlay.show{opacity:1;pointer-events:all}
.mn-header{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;border-bottom:1px solid var(--border)}
.mn-close{background:none;border:none;font-size:20px;color:var(--text-muted);padding:4px}
.mn-body{flex:1;overflow-y:auto;padding:8px 0}
.mn-link{display:flex;align-items:center;gap:10px;padding:13px 20px;font-size:15px;font-weight:600;color:var(--text);border-bottom:1px solid var(--border-light);transition:all .15s}
.mn-link:hover{background:var(--primary-light);color:var(--primary)}
.mn-group-title{display:flex;justify-content:space-between;align-items:center;padding:13px 20px;font-size:15px;font-weight:600;color:var(--text);border-bottom:1px solid var(--border-light);cursor:pointer}
.mn-group-title:hover{background:var(--bg-soft)}
.mn-group-body{display:none;background:var(--bg-soft)}
.mn-group-body.open{display:block}
.mn-group-body a{display:block;padding:11px 20px 11px 36px;font-size:14px;color:var(--text-muted);border-bottom:1px solid var(--border-light);transition:all .15s}
.mn-group-body a:hover{color:var(--primary);background:var(--primary-light)}
.mn-footer{padding:16px 20px;border-top:1px solid var(--border);display:flex;flex-direction:column;gap:8px}

/* ── BREADCRUMB ── */
.breadcrumb{background:var(--bg-soft);border-bottom:1px solid var(--border);padding:12px 0;font-size:13px;color:var(--text-muted)}
.breadcrumb a{color:var(--primary);font-weight:500}
.breadcrumb .sep{margin:0 6px}

/* ── HERO ── */
.hero{background:linear-gradient(135deg,#f0f5ff 0%,#fff 60%,#fef8f7 100%);padding:60px 0}
.hero-grid{display:grid;grid-template-columns:1fr 420px;gap:48px;align-items:center}
.hero-badge{margin-bottom:14px}
.hero h1{font-size:clamp(32px,4vw,50px);font-weight:800;line-height:1.1;color:var(--primary);margin-bottom:16px;letter-spacing:-1px}
.hero h1 em{font-style:italic;color:var(--accent)}
.hero-sub{color:var(--text-muted);font-size:16px;margin-bottom:28px;line-height:1.7}
.hero-trust{display:flex;flex-wrap:wrap;gap:16px}
.trust-item{display:flex;align-items:center;gap:6px;font-size:13px;color:var(--text-muted);font-weight:500}
.trust-item strong{color:var(--primary)}

/* HERO FORM */
.hero-form{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);border:1px solid var(--border);overflow:hidden}
.hero-form-body{padding:24px}
.hf-tabs{display:flex;border-bottom:1px solid var(--border)}
.hf-tab{flex:1;padding:12px 10px;background:none;border:none;border-bottom:2px solid transparent;font-weight:600;font-size:13px;color:var(--text-muted);cursor:pointer;transition:all .2s;text-align:center}
.hf-tab.active{color:var(--primary);border-bottom-color:var(--primary);background:var(--bg-soft)}
.form-group{margin-bottom:14px}
.form-group label{display:block;font-size:12px;font-weight:600;color:var(--text-muted);text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px}
.form-group input,.form-group select{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:8px;font-size:14px;color:var(--text);transition:border .2s;background:#fff}
.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--primary)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}

/* ── STATS BAR ── */
.stats-bar{background:var(--primary);padding:28px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stat-item{text-align:center;padding:0 20px;border-right:1px solid rgba(255,255,255,.15)}
.stat-item:last-child{border-right:none}
.stat-num{font-size:30px;font-weight:800;color:#fff;line-height:1}
.stat-num span{color:var(--gold)}
.stat-label{font-size:12.5px;color:rgba(255,255,255,.7);margin-top:4px}

/* ── LOAN CARDS ── */
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.loan-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:22px;transition:all .25s}
.loan-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.loan-card-icon{width:52px;height:52px;border-radius:14px;background:var(--primary-light);display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:14px}
.loan-card h3{font-size:16px;font-weight:700;color:var(--primary);margin-bottom:6px}
.loan-card p{font-size:13px;color:var(--text-muted);line-height:1.6;margin-bottom:14px}
.loan-card-rate{display:flex;justify-content:space-between;align-items:center;padding-top:14px;border-top:1px solid var(--border)}
.rate-label{font-size:11px;color:var(--text-muted);font-weight:600;text-transform:uppercase}
.rate-val{font-size:17px;font-weight:800;color:var(--green)}

/* ── HOW IT WORKS ── */
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
.steps-grid::before{content:'';position:absolute;top:28px;left:12%;right:12%;height:2px;background:linear-gradient(90deg,var(--primary-light),var(--primary),var(--primary-light));z-index:0}
.step{text-align:center;position:relative;z-index:1}
.step-num{width:56px;height:56px;border-radius:50%;background:var(--primary);color:#fff;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.step-num.c1{background:#0a8f5c}
.step-num.c2{background:#7c3aed}
.step-num.c3{background:#2563eb}
.step-num.c4{background:#e8392a}
.step-num.c5{background:#0891b2}
.step-num.c6{background:#1a3c6e}
.step h4{font-size:14px;font-weight:700;color:var(--primary);margin-bottom:6px}
.step p{font-size:12.5px;color:var(--text-muted);line-height:1.5}

/* ── RATE TABLE ── */
.rate-table-wrap{border-radius:var(--radius-lg);overflow-x:auto;border:1px solid var(--border);box-shadow:var(--shadow)}
.rate-table{width:100%;border-collapse:collapse;min-width:760px}
.rate-table th{background:var(--primary);color:#fff;padding:12px 18px;text-align:left;font-size:12.5px;font-weight:600;letter-spacing:.3px}
.rate-table td{padding:13px 18px;border-bottom:1px solid var(--border);font-size:14px;color:var(--text-muted)}
.rate-table td strong{color:var(--text)}
.rate-table tr:last-child td{border-bottom:none}
.rate-table tr:hover td{background:var(--bg-soft)}
.rate-badge{display:inline-block;padding:2px 9px;border-radius:4px;font-size:11.5px;font-weight:700}
.rate-low{background:var(--green-light);color:var(--green)}
.rate-med{background:#fff8e1;color:#c77700}
.rate-high{background:#fdf0ef;color:var(--accent)}
.lowest-badge{background:#e6f7f1;color:var(--green);font-size:10px;font-weight:700;padding:2px 7px;border-radius:3px;margin-left:6px}

/* ── LOAN PAGE HERO ── */
.loan-hero{background:linear-gradient(135deg,#e8f0fb 0%,#f4f8ff 100%);padding:48px 0}
.loan-hero-grid{display:grid;grid-template-columns:1fr 380px;gap:40px;align-items:start}
.loan-hero h1{font-size:clamp(26px,3.5vw,40px);font-weight:800;color:var(--primary);margin-bottom:12px;line-height:1.2}
.loan-hero p{font-size:15px;color:var(--text-muted);margin-bottom:22px;line-height:1.7}
.highlights{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:24px}
.highlight{background:#fff;border:1px solid var(--border);border-radius:10px;padding:12px 16px;text-align:center;min-width:110px}
.highlight-val{font-size:18px;font-weight:800;color:var(--primary);display:block}
.highlight-label{font-size:10.5px;color:var(--text-muted);text-transform:uppercase;letter-spacing:.5px;margin-top:3px}

/* APPLY CARD */
.apply-card{background:#fff;border-radius:var(--radius-lg);border:1.5px solid var(--border);box-shadow:var(--shadow-lg);padding:26px;position:sticky;top:88px}
.apply-card h3{font-size:17px;font-weight:700;color:var(--primary);margin-bottom:4px}
.apply-card .sub{font-size:13px;color:var(--text-muted);margin-bottom:20px}
.apply-trust{display:flex;align-items:center;justify-content:center;gap:5px;margin-top:10px;font-size:12px;color:var(--text-muted)}

/* ── ELIGIBILITY ── */
.elig-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.elig-list{display:flex;flex-direction:column;gap:10px}
.elig-item{display:flex;align-items:flex-start;gap:12px;padding:14px;background:#fff;border:1px solid var(--border);border-radius:10px;font-size:14px}
.elig-check{width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;font-size:11px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.docs-list{display:flex;flex-direction:column;gap:8px}
.doc-item{display:flex;align-items:center;gap:10px;padding:11px 14px;background:var(--bg-soft);border-radius:8px;font-size:13.5px;font-weight:500}

/* ── FAQ ── */
.faq-list{display:flex;flex-direction:column;gap:10px;max-width:760px;margin:0 auto}
.faq-item{border:1px solid var(--border);border-radius:10px;overflow:hidden}
.faq-q{padding:16px 20px;font-weight:600;font-size:14.5px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;user-select:none;transition:background .2s;width:100%;background:none;border:none;text-align:left;font-family:var(--font);color:var(--text)}
.faq-q:hover,.faq-item.open .faq-q{background:var(--primary-light);color:var(--primary)}
.faq-icon{font-size:18px;transition:transform .3s;flex-shrink:0}
.faq-item.open .faq-icon{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;font-size:14px;color:var(--text-muted);line-height:1.7}
.faq-item.open .faq-a{max-height:300px}
.faq-a-inner{padding:0 20px 16px;border-top:1px solid var(--border)}

/* ── TESTIMONIALS ── */
.testi-slider{position:relative;overflow:hidden}
.testi-track{display:flex;transition:transform .4s ease;gap:20px}
.testi-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;box-shadow:var(--shadow);flex:0 0 calc((100% - 40px)/3);display:flex;flex-direction:column;box-sizing:border-box}
.testi-nav{display:flex;justify-content:center;align-items:center;gap:6px;margin-top:24px}
.testi-arrow{width:40px;height:40px;border-radius:50%;border:1px solid var(--border);background:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:16px;color:var(--primary);transition:all .2s}
.testi-arrow:hover{background:var(--primary);color:#fff;border-color:var(--primary)}
.testi-dots{display:flex;align-items:center;gap:6px;margin:0 10px}
.testi-dot{width:8px;height:8px;border-radius:50%;background:var(--border);cursor:pointer;transition:all .2s;border:none;padding:0}
.testi-dot.active{background:var(--primary);width:20px;border-radius:4px}
.stars{color:var(--gold);font-size:16px;margin-bottom:12px;letter-spacing:2px}
.testi-text{font-size:14px;color:var(--text);line-height:1.7;margin-bottom:16px;font-style:italic;flex:1}
.testi-author{display:flex;align-items:center;gap:12px}
.author-av{width:40px;height:40px;border-radius:50%;background:var(--primary-light);color:var(--primary);font-size:14px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.author-name{font-size:14px;font-weight:700}
.author-loc{font-size:12px;color:var(--text-muted)}

/* ── LENDERS ── */
.lender-strip{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.lender-logo{background:#fff;border:1px solid var(--border);border-radius:8px;padding:9px 18px;font-size:13px;font-weight:700;color:var(--text-muted);transition:all .2s}
.lender-logo:hover{border-color:var(--primary);color:var(--primary)}

/* ── CTA BANNER ── */
.cta-banner{background:linear-gradient(135deg,var(--primary),#1e4d8c);border-radius:var(--radius-lg);padding:48px;display:flex;justify-content:space-between;align-items:center;gap:24px;position:relative;overflow:hidden}
.cta-banner h2{font-size:clamp(20px,2.5vw,30px);font-weight:800;color:#fff;margin-bottom:8px;position:relative;z-index:2}
.cta-banner p{color:rgba(255,255,255,.75);font-size:15px;position:relative;z-index:2}
.cta-banner-img{position:absolute;right:0;top:0;bottom:0;width:340px;z-index:1}
.cta-banner-img img{width:100%;height:100%;object-fit:cover}
.cta-banner-img::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,var(--primary) 0%,rgba(26,60,110,.1) 60%);}
.cta-banner-content{position:relative;z-index:2}
.cta-banner-btns-wrap{position:relative;z-index:2}
.cta-btns{display:flex;gap:12px;flex-shrink:0;flex-wrap:wrap}
.btn-white{background:#fff;color:var(--primary);font-weight:700}.btn-white:hover{background:var(--primary-light)}

/* ── PROCESS ── */
.process-grid{display:flex;gap:0;position:relative}
.process-grid::before{content:'';position:absolute;top:28px;left:12.5%;right:12.5%;height:2px;background:var(--primary-light);z-index:0}
.process-step{flex:1;text-align:center;position:relative;z-index:1;padding:0 12px}
.process-dot{width:56px;height:56px;border-radius:50%;margin:0 auto 14px;background:#fff;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:22px;box-shadow:var(--shadow)}
.process-step h4{font-size:14px;font-weight:700;color:var(--primary);margin-bottom:5px}
.process-step p{font-size:12.5px;color:var(--text-muted)}

/* ── CALCULATOR ── */
.calc-hero{background:linear-gradient(135deg,#e8f0fb 0%,#f4f8ff 100%);padding:48px 0 0;border-bottom:1px solid var(--border)}
.calc-tabs{display:flex;gap:0;overflow-x:auto}
.calc-tab{padding:14px 28px;border:none;border-bottom:3px solid transparent;background:none;font-family:var(--font);font-size:15px;font-weight:600;color:var(--text-muted);cursor:pointer;white-space:nowrap;margin-bottom:-1px;transition:all .2s}
.calc-tab.active,.calc-tab:hover{color:var(--primary);border-bottom-color:var(--primary);font-weight:700}
.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.calc-card{background:#fff;border-radius:var(--radius-lg);border:1px solid var(--border);padding:32px;box-shadow:var(--shadow)}
.calc-card h2{font-size:20px;font-weight:800;color:var(--primary);margin-bottom:6px}
.calc-card .sub{font-size:13.5px;color:var(--text-muted);margin-bottom:28px}
.slider-group{margin-bottom:24px}
.slider-group label{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;font-size:14px;font-weight:600;color:var(--text)}
.slider-val{background:var(--primary);color:#fff;font-weight:700;font-size:13.5px;padding:4px 14px;border-radius:6px;min-width:90px;text-align:center}
.range-slider{width:100%;-webkit-appearance:none;height:5px;border-radius:3px;background:var(--border);outline:none;cursor:pointer}
.range-slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--primary);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(26,60,110,.3)}
.slider-limits{display:flex;justify-content:space-between;font-size:11.5px;color:var(--text-muted);margin-top:5px}
.emi-result-card{background:var(--primary);border-radius:var(--radius-lg);padding:28px;text-align:center;margin-bottom:16px}
.emi-result-label{color:rgba(255,255,255,.7);font-size:13px;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px}
.emi-result-val{color:#fff;font-size:48px;font-weight:800;line-height:1}
.emi-result-sub{color:rgba(255,255,255,.6);font-size:13px;margin-top:8px}
.result-cards{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.result-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:16px;text-align:center}
.result-card-label{font-size:11px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.result-card-val{font-size:18px;font-weight:800}
.breakup-bar{height:12px;border-radius:6px;background:var(--border);overflow:hidden;display:flex}
.bar-p{background:var(--primary);height:100%;transition:width .4s}
.bar-i{background:var(--accent);height:100%;transition:width .4s}
.bar-ex{background:var(--accent);height:100%;transition:width .4s}
.bar-new{background:var(--primary);height:100%;transition:width .4s}
.bar-free{background:#e2e8f0;height:100%;transition:width .4s}
.amortize-toggle{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;cursor:pointer;font-size:14px;font-weight:700;color:var(--primary);border-top:1px solid var(--border)}
.amortize-table{width:100%;border-collapse:collapse;font-size:13px}
.amortize-table th{background:var(--bg-soft);padding:10px 14px;text-align:left;font-weight:700;color:var(--text-muted);font-size:12px}
.amortize-table td{padding:9px 14px;border-top:1px solid var(--border)}
.tip-box{background:var(--primary-light);border-radius:var(--radius);padding:16px;border-left:4px solid var(--primary)}
.tip-box h4{font-size:13.5px;font-weight:700;color:var(--primary);margin-bottom:8px}
.tip-box ul{font-size:13px;color:var(--text-muted);padding-left:16px;line-height:1.9}
.rate-preset-btns{display:flex;gap:8px;flex-wrap:wrap;margin-top:6px}
.rate-btn{background:#fff;border:1px solid var(--border);border-radius:6px;padding:5px 12px;font-size:12px;font-weight:600;cursor:pointer;transition:all .2s;font-family:var(--font)}
.rate-btn:hover{border-color:var(--primary);color:var(--primary);background:var(--primary-light)}
.elig-result-card{background:linear-gradient(135deg,var(--green),#0d9e68);border-radius:var(--radius-lg);padding:28px;text-align:center;margin-bottom:16px}
.cmp-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}
.cmp-col{background:#fff;border:2px solid var(--border);border-radius:var(--radius-lg);padding:24px;transition:all .3s}
.cmp-col-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}
.cmp-col-title{font-size:16px;font-weight:800}
.cmp-winner-badge{background:var(--green);color:#fff;font-size:10.5px;font-weight:700;padding:4px 12px;border-radius:20px;display:none}
.cmp-result-row{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid var(--border);font-size:14px}
.cmp-result-row:first-child{border-top:none}
.cmp-verdict{background:var(--primary-light);border:1.5px solid var(--primary);border-radius:var(--radius-lg);padding:18px 24px;font-size:15px;font-weight:600;color:var(--primary);text-align:center;margin-bottom:20px}
.cmp-detail-table{width:100%;border-collapse:collapse;font-size:14px}
.cmp-detail-table th{background:var(--bg-soft);padding:12px 16px;text-align:left;font-size:12px;font-weight:700;color:var(--text-muted);text-transform:uppercase}
.cmp-detail-table td{padding:12px 16px;border-top:1px solid var(--border)}

/* ── ABOUT ── */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.value-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:20px}
.value-card{background:var(--bg-soft);border-radius:var(--radius);padding:18px}
.value-card h4{font-size:14px;font-weight:700;color:var(--primary);margin-bottom:4px}
.value-card p{font-size:13px;color:var(--text-muted);line-height:1.5}

/* ── CONTACT ── */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.contact-item{display:flex;gap:16px;align-items:flex-start;margin-bottom:20px}
.contact-icon{width:44px;height:44px;border-radius:12px;background:var(--primary-light);color:var(--primary);font-size:20px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow)}

/* ── APPLY PAGE ── */
.apply-page-grid{display:grid;grid-template-columns:1fr 360px;gap:40px;align-items:start}
.apply-form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow)}
.apply-sidebar{display:flex;flex-direction:column;gap:16px}
.sidebar-info{background:var(--primary);border-radius:var(--radius-lg);padding:24px;color:#fff}
.sidebar-info h4{font-size:15px;font-weight:700;margin-bottom:14px}
.sidebar-info li{display:flex;align-items:center;gap:8px;font-size:13.5px;color:rgba(255,255,255,.85);margin-bottom:7px}

/* ── BLOG ── */
.blog-hero{background:linear-gradient(135deg,#e8f0fb 0%,#f4f8ff 100%);padding:48px 0 0;border-bottom:1px solid var(--border)}
.blog-cat-tabs{display:flex;gap:0;overflow-x:auto}
.blog-cat-tab{padding:12px 20px;border:none;border-bottom:2px solid transparent;background:none;font-family:var(--font);font-size:13.5px;font-weight:600;color:var(--text-muted);cursor:pointer;white-space:nowrap;margin-bottom:-1px;transition:all .2s}
.blog-cat-tab.active,.blog-cat-tab:hover{color:var(--primary);border-bottom-color:var(--primary)}
.blog-layout{display:grid;grid-template-columns:1fr 300px;gap:32px;align-items:start}
.blog-list{display:flex;flex-direction:column;gap:20px}
.blog-row{background:#fff;border-radius:var(--radius-lg);overflow:hidden;display:flex;box-shadow:var(--shadow);transition:all .2s}
.blog-row:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.blog-row-img{width:200px;flex-shrink:0;background:var(--primary-light);display:flex;align-items:center;justify-content:center;font-size:48px}
.blog-row-img img{width:200px;height:100%;object-fit:cover}
.blog-row-body{padding:20px 24px;flex:1}
.blog-row-cat{font-size:10.5px;font-weight:700;color:var(--primary);text-transform:uppercase;letter-spacing:.8px;margin-bottom:7px}
.blog-row-title{font-size:16px;font-weight:700;color:var(--text);margin-bottom:8px;line-height:1.4}
.blog-row-summary{font-size:13.5px;color:var(--text-muted);line-height:1.6;margin-bottom:10px;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.blog-row-meta{font-size:12px;color:var(--text-muted)}
.blog-sidebar-post{display:flex;gap:10px;padding:10px 0;border-bottom:1px solid var(--border)}
.blog-sidebar-post:last-child{border-bottom:none}
.bsp-icon{width:48px;height:48px;border-radius:8px;background:var(--primary-light);display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.bsp-title{font-size:13px;font-weight:600;color:var(--text);line-height:1.4}
.bsp-title:hover{color:var(--primary)}
.bsp-date{font-size:11.5px;color:var(--text-muted);margin-top:3px}
.blog-detail-img{width:100%;max-height:380px;object-fit:cover;border-radius:var(--radius-lg);margin-bottom:28px}
.blog-content{font-size:15px;color:var(--text);line-height:1.85}
.blog-content h2{font-size:22px;font-weight:700;color:var(--primary);margin:28px 0 10px}
.blog-content h3{font-size:18px;font-weight:700;color:var(--primary);margin:22px 0 8px}
.blog-content p{margin-bottom:16px}
.blog-content ul,.blog-content ol{margin:0 0 16px 20px;list-style:disc}
.blog-content li{margin-bottom:6px}
.blog-content strong{color:var(--primary)}
.highlight-box{background:var(--primary-light);border-left:4px solid var(--primary);padding:14px 18px;border-radius:0 8px 8px 0;margin:20px 0;font-size:14px}

/* ── FOOTER ── */
.footer{background:var(--primary);color:rgba(255,255,255,.75);padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr 1fr;gap:32px;margin-bottom:40px}
.footer-secure-line{font-size:12.5px;color:rgba(255,255,255,.65);margin-bottom:8px}
.footer-brand p{font-size:13.5px;line-height:1.7;max-width:260px;margin-bottom:16px}
.footer-contact{font-size:13px;line-height:2.2}
.footer-contact a{color:rgba(255,255,255,.75)}.footer-contact a:hover{color:#fff}
.footer-col h5{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:#fff;margin-bottom:14px}
.footer-col a{display:block;font-size:13.5px;color:rgba(255,255,255,.65);margin-bottom:7px;transition:color .15s}
.footer-col a:hover{color:#fff}
.footer-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.fb{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:3px 10px;border-radius:4px;font-size:11.5px;font-weight:600;color:rgba(255,255,255,.8)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:20px 0;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:rgba(255,255,255,.45);flex-wrap:wrap;gap:8px}

/* ── ALERTS ── */
.alert{padding:12px 16px;border-radius:8px;font-size:13.5px;font-weight:500;margin-bottom:16px;display:none}
.alert-success{background:var(--green-light);color:var(--green);border:1px solid rgba(10,143,92,.25)}
.alert-error{background:#fdf0ef;color:var(--accent);border:1px solid rgba(232,57,42,.25)}

/* ── WA FLOAT ── */
.wa-float{position:fixed;bottom:24px;right:24px;z-index:9999;width:56px;height:56px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 16px rgba(37,211,102,.5);transition:transform .25s,box-shadow .25s;text-decoration:none}
.wa-float:hover{transform:scale(1.1);box-shadow:0 6px 24px rgba(37,211,102,.7)}
.wa-float svg{flex-shrink:0}
.wa-float-pulse{position:absolute;inset:-8px;border-radius:50%;border:3px solid #25D366;opacity:.5;animation:wa-pulse 2s ease-out infinite}
@keyframes wa-pulse{0%{transform:scale(1);opacity:.5}70%{transform:scale(1.4);opacity:0}100%{transform:scale(1.4);opacity:0}}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .topbar-left span,.topbar-left a:nth-child(3),.topbar-left .sep:nth-child(2),.topbar-left .sep:nth-child(4){display:none}
  .nav-links,.nav-cta{display:none}
  .hamburger{display:flex}
  .hero-grid{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .loan-grid{grid-template-columns:repeat(2,1fr)}
  .steps-grid{grid-template-columns:repeat(2,1fr)}
  .steps-grid::before{display:none}
  .testi-card{flex:0 0 calc((100% - 20px)/2)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .loan-hero-grid{grid-template-columns:1fr}
  .apply-card{position:relative;top:0}
  .elig-grid{grid-template-columns:1fr}
  .calc-layout{grid-template-columns:1fr}
  .cmp-cols{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .apply-page-grid{grid-template-columns:1fr}
  .about-grid{grid-template-columns:1fr}
  .blog-layout{grid-template-columns:1fr}
  .blog-row{flex-direction:column}
  .blog-row-img{width:100%;height:180px}
  .cta-banner{flex-direction:column;text-align:center}
  .cta-banner-img{display:none}
  .cta-btns{justify-content:center}
}
@media(max-width:600px){
  .testi-card{flex:0 0 100%}
  .loan-grid{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .result-cards{grid-template-columns:1fr 1fr}
  .highlights{flex-wrap:wrap}
  .process-grid{flex-direction:column;align-items:center;gap:24px}
  .process-grid::before{display:none}
  .cta-banner{padding:28px 20px}
  .hero{padding:40px 0}
  .section{padding:48px 0}
}

/* ── HOMEPAGE: PREMIUM FINTECH HERO ── */
.pfh-hero{padding:48px 0 64px}
.pfh-hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:start}
.pfh-badge{display:inline-flex;align-items:center;gap:6px;background:var(--green-light);color:var(--green);font-size:12.5px;font-weight:700;padding:6px 16px;border-radius:40px;margin-bottom:18px}
.pfh-h1{font-size:clamp(28px,4vw,44px);font-weight:800;color:var(--text);line-height:1.18;margin-bottom:16px}
.pfh-h1 span{color:var(--primary)}
.pfh-sub{font-size:16px;color:var(--text-muted);line-height:1.6;margin-bottom:24px;max-width:480px}
.pfh-cta-row{display:flex;gap:14px;margin-bottom:28px;flex-wrap:wrap}
.pfh-trust-row{display:flex;gap:12px;flex-wrap:wrap}
.pfh-trust-pill{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:10px 16px;box-shadow:var(--shadow)}
.pfh-trust-ic{font-size:18px}
.pfh-trust-pill strong{display:block;font-size:14px;color:var(--primary);font-weight:800;line-height:1.3}
.pfh-trust-pill span{display:block;font-size:11px;color:var(--text-muted)}

/* ── HOMEPAGE: EMI CALCULATOR CARD ── */
.pfh-calc-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:26px}
.pfh-calc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}
.pfh-calc-head>span:first-child{font-size:16px;font-weight:700;color:var(--primary)}
.pfh-live-tag{background:var(--green-light);color:var(--green);font-size:11px;font-weight:700;padding:4px 10px;border-radius:20px}
.pfh-slider-row{margin-bottom:18px}
.pfh-slider-row label{display:flex;justify-content:space-between;font-size:12.5px;color:var(--text-muted);margin-bottom:6px}
.pfh-slider-row label strong{color:var(--text);font-size:14px;font-weight:800}
.pfh-slider-row input[type=range]{width:100%;accent-color:var(--primary)}
.pfh-slider-minmax{display:flex;justify-content:space-between;font-size:10.5px;color:var(--text-muted);margin-top:2px}
.pfh-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;background:var(--bg-soft);border-radius:10px;padding:16px;margin:20px 0}
.pfh-result-label{display:block;font-size:11px;color:var(--text-muted);margin-bottom:4px}
.pfh-result-val{display:block;font-size:20px;font-weight:800;color:var(--primary)}
.pfh-result-val-sm{font-size:16px}
.pfh-save-box{background:var(--green-light);border-radius:10px;padding:14px 16px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.pfh-save-left{display:flex;align-items:flex-start;gap:10px}
.pfh-save-ic{font-size:18px}
.pfh-save-label{display:block;font-size:11px;color:var(--green);font-weight:700;text-transform:uppercase;letter-spacing:.3px}
.pfh-save-val{display:block;font-size:19px;font-weight:800;color:var(--green)}
.pfh-save-sub{display:block;font-size:10.5px;color:var(--text-muted)}
.pfh-save-chart{width:90px;height:36px;flex-shrink:0}
.pfh-disclaimer{font-size:10.5px;color:var(--text-muted);margin-top:14px}

/* ── HOMEPAGE: BANK STRIP EXTRA ── */
.pfh-eyebrow{font-size:11.5px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.5px}

/* ── HOMEPAGE: RATE COMPARISON CARDS ── */
.pfh-section-head{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:28px;flex-wrap:wrap;gap:14px}
/* ── SERVICES SECTION ── */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.svc-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);text-decoration:none;color:var(--text);transition:all .25s;display:flex;flex-direction:column;overflow:hidden}
.svc-card:hover{border-color:var(--primary);box-shadow:0 8px 24px rgba(26,60,110,.12);transform:translateY(-4px)}
.svc-card--cta{border-color:var(--primary);background:var(--primary-light)}
.svc-card--cta:hover{background:var(--primary)}
.svc-card--cta:hover .svc-body h4,.svc-card--cta:hover .svc-body p{color:#fff}
.svc-img{width:100%;height:110px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.svc-img svg{display:block}
.svc-body{padding:16px 18px 18px}
.svc-body h4{font-size:14.5px;font-weight:700;color:var(--primary);margin-bottom:5px}
.svc-body p{font-size:12.5px;color:var(--text-muted);line-height:1.5;margin-bottom:10px}
.svc-rate{font-size:11.5px;font-weight:700;color:var(--green);background:var(--green-light);padding:3px 10px;border-radius:20px;display:inline-block}
.svc-rate--cta{color:var(--primary);background:var(--primary-light)}
.svc-card--cta:hover .svc-rate--cta{color:#fff;background:rgba(255,255,255,.2)}

/* ── SERVICES SECTION ── */
.pfh-services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}

.pfh-rate-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.pfh-rate-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:20px;position:relative;transition:all .25s}
.pfh-rate-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.pfh-rate-badge{display:block;background:var(--green-light);color:var(--green);font-size:10.5px;font-weight:700;padding:4px 10px;border-radius:20px;margin-bottom:12px;width:fit-content}
.pfh-rate-bank-row{display:flex;align-items:center;gap:8px;margin-bottom:2px}
.pfh-rate-logo-img{width:28px;height:28px;object-fit:contain;border-radius:6px;flex-shrink:0}
.pfh-rate-logo-fallback{width:28px;height:28px;border-radius:6px;background:var(--primary-light);color:var(--primary);font-size:13px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pfh-rate-bank{font-size:15px;font-weight:800;color:var(--primary)}
.pfh-rate-sub{font-size:11.5px;color:var(--text-muted);margin-bottom:14px}
.pfh-rate-main{display:block;margin-bottom:14px;padding-bottom:14px;border-bottom:1px solid var(--border)}
.pfh-rate-lbl{display:block;font-size:11px;color:var(--text-muted);margin-bottom:2px}
.pfh-rate-num{display:block;font-size:22px;font-weight:800;color:var(--text)}
.pfh-rate-line{display:flex;justify-content:space-between;font-size:12.5px;color:var(--text-muted);padding:4px 0}
.pfh-rate-line span:last-child{color:var(--text);font-weight:600}

/* ── HOMEPAGE: 3-STEP PROCESS ── */
.pfh-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative}
.pfh-steps::before{content:'';position:absolute;top:50px;left:calc(16.66% + 36px);right:calc(16.66% + 36px);height:2px;background:repeating-linear-gradient(90deg,var(--border) 0,var(--border) 8px,transparent 8px,transparent 16px);z-index:0}
.pfh-step{position:relative;text-align:center}
.pfh-step-num{width:26px;height:26px;border-radius:50%;background:var(--primary);color:#fff;font-size:12.5px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 8px}
.pfh-step-circle{width:72px;height:72px;border-radius:50%;background:var(--primary-light);display:flex;align-items:center;justify-content:center;font-size:28px;margin:0 auto 14px}
.pfh-step h4{font-size:15px;font-weight:700;color:var(--primary);margin-bottom:6px}
.pfh-step p{font-size:12.5px;color:var(--text-muted);max-width:200px;margin:0 auto}

/* ── HOMEPAGE: TESTIMONIALS GRID ── */
.pfh-testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pfh-testi-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:22px;box-shadow:var(--shadow)}
.pfh-testi-photo{width:44px;height:44px;border-radius:50%;object-fit:cover;flex-shrink:0}
.footer-social{display:flex;gap:10px;margin-top:16px}
.footer-social a{width:32px;height:32px;border-radius:50%;background:rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.7);font-size:13px;transition:all .2s;text-decoration:none}
.footer-social a:hover{background:rgba(255,255,255,.25);color:#fff}

/* ── HOMEPAGE: ELIGIBILITY FORM SPLIT ── */
.pfh-elig-card{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden;display:grid;grid-template-columns:1fr 1.6fr}
.pfh-elig-left{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;padding:36px 28px}
.pfh-elig-left h3{font-size:20px;font-weight:800;margin-bottom:8px}
.pfh-elig-left p{font-size:13.5px;opacity:.85;margin-bottom:20px}
.pfh-elig-list{list-style:none;padding:0;margin:0 0 24px}
.pfh-elig-list li{font-size:13px;padding:6px 0;opacity:.95}
.pfh-elig-lock{font-size:11.5px;opacity:.75}
.pfh-elig-right{padding:32px}
.pfh-checkbox-row{display:flex;align-items:flex-start;gap:8px;font-size:12.5px;color:var(--text-muted);margin:14px 0 20px}
.pfh-checkbox-row input{margin-top:2px}
.pfh-checkbox-row a{color:var(--primary);font-weight:600}

@media(max-width:900px){
  .pfh-hero-grid{grid-template-columns:1fr}
  .svc-grid{grid-template-columns:repeat(3,1fr)}
  .pfh-calc-card{max-width:520px;margin:0 auto;width:100%}
  .pfh-rate-grid{grid-template-columns:repeat(3,1fr)}
  .pfh-steps{grid-template-columns:1fr}
  .pfh-steps::before{display:none}
  .pfh-testi-grid{grid-template-columns:1fr 1fr}
  .pfh-elig-card{grid-template-columns:1fr}
  .pfh-elig-left{padding:24px 20px}
  .faq-list[style*="1fr 1fr"]{grid-template-columns:1fr!important}
  .footer-grid{grid-template-columns:1fr 1fr;gap:24px}
}
@media(max-width:600px){
  .pfh-hero .pfh-h1{font-size:clamp(24px,7vw,36px)}
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .pfh-rate-grid{grid-template-columns:1fr}
  .pfh-testi-grid{grid-template-columns:1fr}
  .pfh-result-grid{grid-template-columns:1fr}
  .pfh-save-box{flex-direction:column;align-items:flex-start}
  .pfh-cta-row{flex-direction:column}
  .pfh-cta-row .btn{width:100%;text-align:center;justify-content:center}
  .pfh-trust-row{flex-direction:column}
  .pfh-section-head{flex-direction:column;align-items:flex-start}
  .footer-grid{grid-template-columns:1fr}
  .footer-social{margin-top:10px}
}