/* ============================================
   FinFlow LMS - Professional Banking Stylesheet
   Inspired by leading Indian NBFC design
   ============================================ */

:root {
    --ff-primary: #004d8e;
    --ff-primary-dark: #003666;
    --ff-primary-light: #0066b3;
    --ff-accent: #f5a623;
    --ff-accent-dark: #e69500;
    --ff-accent-light: #ffc04d;
    --ff-success: #0a8f4a;
    --ff-danger: #d32f2f;
    --ff-warning: #f5a623;
    --ff-info: #0288d1;
    --ff-dark: #1a1a2e;
    --ff-dark2: #16213e;
    --ff-gray-50: #f9fafb;
    --ff-gray-100: #f3f4f6;
    --ff-gray-200: #e5e7eb;
    --ff-gray-300: #d1d5db;
    --ff-gray-400: #9ca3af;
    --ff-gray-500: #6b7280;
    --ff-gray-600: #4b5563;
    --ff-gray-700: #374151;
    --ff-gray-800: #1f2937;
    --ff-gray-900: #111827;
    --ff-white: #ffffff;
    --ff-sidebar-bg: #0f1a2e;
    --ff-sidebar-text: #94a3b8;
    --ff-sidebar-active: #004d8e;
    --ff-body-bg: #f9fafb;
    --ff-card-bg: #ffffff;
    --ff-card-radius: 12px;
    --ff-btn-radius: 8px;
    --ff-font: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
    --ff-transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    --ff-shadow-sm: 0 1px 2px rgba(0,0,0,0.04);
    --ff-shadow: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
    --ff-shadow-md: 0 4px 6px rgba(0,0,0,0.05), 0 2px 4px rgba(0,0,0,0.04);
    --ff-shadow-lg: 0 10px 25px rgba(0,0,0,0.08);
    --ff-shadow-xl: 0 20px 40px rgba(0,0,0,0.12);
    --ff-max-width: 1200px;
}

/* =========== ANIMATIONS =========== */
@keyframes fadeInUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes slideDown { from { opacity: 0; transform: translateY(-12px); } to { opacity: 1; transform: translateY(0); } }
@keyframes scaleIn { from { opacity: 0; transform: scale(0.95); } to { opacity: 1; transform: scale(1); } }
@keyframes pulse { 0%,100% { transform: scale(1); } 50% { transform: scale(1.04); } }
@keyframes shimmer { 0% { background-position: -200% 0; } 100% { background-position: 200% 0; } }

/* =========== BASE =========== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; -webkit-tap-highlight-color: transparent; }
body {
    font-family: var(--ff-font);
    font-size: 0.9375rem;
    color: var(--ff-gray-700);
    background: var(--ff-body-bg);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
h1, h2, h3, h4, h5, h6 { font-weight: 700; color: var(--ff-dark); line-height: 1.3; }
h1 { font-size: 2rem; margin-bottom: 1rem; }
h2 { font-size: 1.625rem; margin-bottom: 0.875rem; }
h3 { font-size: 1.25rem; margin-bottom: 0.75rem; }
h4 { font-size: 1.125rem; margin-bottom: 0.625rem; }
p { margin-bottom: 1rem; font-size: 0.9375rem; line-height: 1.7; }
a { color: var(--ff-primary); text-decoration: none; transition: var(--ff-transition); }
a:hover { color: var(--ff-primary-dark); }
img { max-width: 100%; height: auto; }
ul, ol { padding-left: 1.5rem; margin-bottom: 1rem; }
li { margin-bottom: 0.375rem; }
strong { font-weight: 700; }
small { font-size: 0.8125rem; }

::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--ff-gray-100); }
::-webkit-scrollbar-thumb { background: var(--ff-gray-300); border-radius: 3px; }

/* =========== CONTAINER =========== */
.container { max-width: var(--ff-max-width); margin: 0 auto; padding: 0 1.25rem; }
.container-fluid { width: 100%; padding: 0 1.25rem; }

/* =========== BUTTONS =========== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    border-radius: var(--ff-btn-radius);
    font-weight: 600;
    font-size: 0.9375rem;
    padding: 0.7rem 1.75rem;
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--ff-transition);
    text-align: center;
    white-space: nowrap;
    letter-spacing: 0.2px;
}
.btn:active { transform: scale(0.97); }
.btn-primary {
    background: var(--ff-accent);
    border-color: var(--ff-accent);
    color: #1a1a2e;
    font-weight: 700;
}
.btn-primary:hover { background: var(--ff-accent-dark); border-color: var(--ff-accent-dark); color: #1a1a2e; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(245,166,35,0.35); }
.btn-outline-primary {
    background: transparent;
    border-color: var(--ff-primary);
    color: var(--ff-primary);
}
.btn-outline-primary:hover { background: var(--ff-primary); color: #fff; }
.btn-outline {
    background: transparent;
    border-color: var(--ff-gray-300);
    color: var(--ff-gray-600);
}
.btn-outline:hover { border-color: var(--ff-primary); color: var(--ff-primary); }
.btn-sm { padding: 0.45rem 1rem; font-size: 0.8125rem; }
.btn-lg { padding: 0.85rem 2.25rem; font-size: 1.0625rem; border-radius: 50px; }
.btn-block { width: 100%; }

/* =========== CARDS =========== */
.card {
    background: var(--ff-card-bg);
    border: 1px solid var(--ff-gray-200);
    border-radius: var(--ff-card-radius);
    box-shadow: var(--ff-shadow-sm);
    transition: var(--ff-transition);
}
.card:hover { box-shadow: var(--ff-shadow-md); }
.card-header {
    background: transparent;
    border-bottom: 1px solid var(--ff-gray-100);
    padding: 1.125rem 1.5rem;
    font-weight: 700;
    font-size: 1rem;
}
.card-body { padding: 1.5rem; }

/* =========== FORMS =========== */
.form-control, .form-select {
    display: block;
    width: 100%;
    border-radius: var(--ff-btn-radius);
    border: 1.5px solid var(--ff-gray-300);
    padding: 0.7rem 0.9rem;
    font-size: 0.9375rem;
    font-family: var(--ff-font);
    color: var(--ff-gray-800);
    background: #fff;
    transition: var(--ff-transition);
}
.form-control:focus, .form-select:focus {
    border-color: var(--ff-primary);
    box-shadow: 0 0 0 3px rgba(0,77,142,0.1);
    outline: none;
}
.form-label { font-weight: 600; margin-bottom: 0.375rem; color: var(--ff-gray-700); font-size: 0.875rem; display: block; }
.form-check-input:checked { background-color: var(--ff-primary); border-color: var(--ff-primary); }

/* =========== TABLES =========== */
.table { width: 100%; border-collapse: collapse; font-size: 0.875rem; }
.table thead th {
    background: var(--ff-gray-50);
    font-weight: 700;
    text-transform: uppercase;
    font-size: 0.75rem;
    letter-spacing: 0.6px;
    color: var(--ff-gray-500);
    border-bottom: 2px solid var(--ff-gray-200);
    padding: 0.875rem 1rem;
    text-align: left;
}
.table tbody td { padding: 0.875rem 1rem; border-bottom: 1px solid var(--ff-gray-100); vertical-align: middle; }
.table tbody tr:last-child td { border-bottom: none; }
.table-hover tbody tr:hover { background: rgba(0,77,142,0.02); }

/* Data Table (Shriram-style) */
.data-table { overflow-x: auto; margin-bottom: 1.5rem; }
.data-table table { width: 100%; border-collapse: collapse; }
.data-table table th, .data-table table td {
    padding: 0.9rem 1.25rem;
    border: 1px solid var(--ff-gray-200);
    text-align: left;
    font-size: 0.9rem;
}
.data-table table th { background: var(--ff-gray-50); font-weight: 700; color: var(--ff-gray-800); }
.data-table table td { background: #fff; }
.data-table table tr:last-child td { background: var(--ff-gray-50); font-weight: 600; }

/* =========== BADGES =========== */
.badge {
    display: inline-block;
    font-weight: 600;
    padding: 0.3em 0.75em;
    font-size: 0.75rem;
    border-radius: 6px;
    letter-spacing: 0.3px;
}

/* =========== ALERTS =========== */
.alert { border: none; border-radius: var(--ff-card-radius); font-size: 0.9rem; padding: 1rem 1.25rem; margin-bottom: 1rem; }

/* =========== BREADCRUMB =========== */
.breadcrumb-nav {
    background: #fff;
    border-bottom: 1px solid var(--ff-gray-200);
    padding: 0.625rem 0;
    font-size: 0.8125rem;
}
.breadcrumb-nav ol { display: flex; list-style: none; padding: 0; margin: 0; gap: 0.5rem; align-items: center; flex-wrap: wrap; }
.breadcrumb-nav li { display: flex; align-items: center; gap: 0.5rem; color: var(--ff-gray-500); }
.breadcrumb-nav li:not(:last-child)::after { content: '›'; color: var(--ff-gray-400); font-size: 1rem; }
.breadcrumb-nav li a { color: var(--ff-gray-500); }
.breadcrumb-nav li a:hover { color: var(--ff-primary); }
.breadcrumb-nav li:last-child { color: var(--ff-primary); font-weight: 600; }

/* =========== TAB NAVIGATION (Shriram-style) =========== */
.tab-nav {
    background: #fff;
    border-bottom: 1px solid var(--ff-gray-200);
    position: sticky;
    top: 0;
    z-index: 1020;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}
.tab-nav .tab-list {
    display: flex;
    list-style: none;
    padding: 0;
    margin: 0;
    gap: 0;
    min-width: max-content;
}
.tab-nav .tab-list li a {
    display: block;
    padding: 0.85rem 1.25rem;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--ff-gray-600);
    border-bottom: 3px solid transparent;
    transition: var(--ff-transition);
    white-space: nowrap;
}
.tab-nav .tab-list li a:hover { color: var(--ff-primary); background: var(--ff-gray-50); }
.tab-nav .tab-list li a.active { color: var(--ff-primary); border-bottom-color: var(--ff-accent); }

/* =========== STATS CARDS =========== */
.stats-card {
    padding: 1.5rem;
    border-radius: var(--ff-card-radius);
    background: #fff;
    box-shadow: var(--ff-shadow);
    transition: var(--ff-transition);
    border: 1px solid var(--ff-gray-100);
}
.stats-card:hover { transform: translateY(-2px); box-shadow: var(--ff-shadow-lg); }
.stats-card .stats-icon {
    width: 48px; height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    color: #fff;
    margin-bottom: 0.875rem;
}
.stats-card .stats-number { font-size: 1.625rem; font-weight: 800; color: var(--ff-dark); line-height: 1.2; }
.stats-card .stats-label { font-size: 0.8125rem; color: var(--ff-gray-500); font-weight: 500; margin-top: 0.25rem; }

/* =========== AVATAR =========== */
.avatar { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; box-shadow: var(--ff-shadow-sm); }
.avatar-sm { width: 32px; height: 32px; }
.avatar-lg { width: 56px; height: 56px; }
.avatar-xl { width: 80px; height: 80px; }

/* =========== PROGRESS =========== */
.progress { border-radius: 20px; height: 8px; background: var(--ff-gray-200); overflow: hidden; }
.progress-bar { border-radius: 20px; background: linear-gradient(90deg, var(--ff-primary), var(--ff-primary-light)); transition: width 0.8s ease; }

/* =========== DROPDOWN =========== */
.dropdown-menu {
    border: 1px solid var(--ff-gray-200);
    box-shadow: var(--ff-shadow-lg);
    border-radius: 10px;
    padding: 0.5rem;
    animation: slideDown 0.2s ease;
}
.dropdown-item { border-radius: 6px; padding: 0.55rem 0.85rem; font-size: 0.875rem; font-weight: 500; transition: var(--ff-transition); }
.dropdown-item:hover { background: var(--ff-gray-100); }

/* =========== MODAL =========== */
.modal-content { border: none; border-radius: var(--ff-card-radius); box-shadow: var(--ff-shadow-xl); }
.modal-header { border-bottom: 1px solid var(--ff-gray-100); padding: 1.25rem 1.5rem; }
.modal-footer { border-top: 1px solid var(--ff-gray-100); padding: 1rem 1.5rem; }

/* =========== ACCORDION / FAQ =========== */
.accordion-item {
    border: 1px solid var(--ff-gray-200);
    border-radius: 10px !important;
    margin-bottom: 0.625rem;
    overflow: hidden;
}
.accordion-button {
    font-weight: 600;
    font-size: 0.95rem;
    color: var(--ff-dark);
    padding: 1rem 1.25rem;
    background: #fff;
    border: none;
    box-shadow: none !important;
}
.accordion-button:not(.collapsed) { color: var(--ff-primary); background: var(--ff-gray-50); }
.accordion-body { color: var(--ff-gray-600); font-size: 0.9rem; line-height: 1.7; padding: 0 1.25rem 1.125rem; }

/* =========== EMPTY STATE =========== */
.empty-state { text-align: center; padding: 3rem 1rem; }
.empty-state i { font-size: 3rem; color: var(--ff-gray-300); margin-bottom: 1rem; }
.empty-state h5 { color: var(--ff-gray-500); }

/* =========== LOADING =========== */
.spinner-overlay {
    position: fixed; inset: 0;
    background: rgba(255,255,255,0.8);
    backdrop-filter: blur(4px);
    display: flex; align-items: center; justify-content: center;
    z-index: 9999;
}

/* =========== TOOLTIP =========== */
.tooltip-inner { border-radius: 6px; padding: 0.45rem 0.8rem; font-size: 0.8rem; font-weight: 500; }

/* =========== DATATABLES =========== */
.dataTables_wrapper .dataTables_filter input {
    border-radius: var(--ff-btn-radius);
    border: 1.5px solid var(--ff-gray-300);
    padding: 0.5rem 0.8rem;
    font-size: 0.875rem;
}
.page-item .page-link { border-radius: 6px !important; border: 1px solid var(--ff-gray-200); color: var(--ff-gray-600); font-weight: 500; padding: 0.35rem 0.7rem; }
.page-item.active .page-link { background: var(--ff-primary); border-color: var(--ff-primary); color: #fff; }

/* =========== SWEETALERT =========== */
.swal2-popup { border-radius: var(--ff-card-radius) !important; font-family: var(--ff-font) !important; }
.swal2-confirm { border-radius: var(--ff-btn-radius) !important; font-weight: 600 !important; }

/* ============================================
   PUBLIC WEBSITE - NBFC Banking Style
   ============================================ */

/* ----- Navbar ----- */
.public-navbar {
    background: #fff;
    box-shadow: 0 1px 8px rgba(0,0,0,0.06);
    padding: 0.5rem 0;
    z-index: 1030;
    border-bottom: 1px solid var(--ff-gray-100);
}
.public-navbar .navbar-brand { font-size: 1.35rem; font-weight: 800; color: var(--ff-dark); letter-spacing: -0.4px; }
.public-navbar .navbar-brand i { color: var(--ff-accent); }
.public-navbar .nav-link {
    font-weight: 600;
    color: var(--ff-gray-700);
    padding: 0.5rem 1rem;
    font-size: 0.875rem;
    border-radius: 6px;
    transition: var(--ff-transition);
}
.public-navbar .nav-link:hover, .public-navbar .nav-link.active { color: var(--ff-primary); background: rgba(0,77,142,0.04); }
.public-navbar .btn-primary {
    background: var(--ff-accent);
    border-color: var(--ff-accent);
    color: #1a1a2e;
    font-weight: 700;
    padding: 0.5rem 1.5rem;
    border-radius: 50px;
    font-size: 0.85rem;
}
.public-navbar .btn-outline-register {
    border: 2px solid var(--ff-primary);
    color: var(--ff-primary);
    padding: 0.45rem 1.3rem;
    font-weight: 700;
    border-radius: 50px;
    font-size: 0.85rem;
    background: transparent;
}
.public-navbar .btn-outline-register:hover { background: var(--ff-primary); color: #fff; }

/* ----- Hero Section ----- */
.hero-section {
    background: linear-gradient(135deg, #0a1628 0%, #0f2847 50%, #0d3b6e 100%);
    color: #fff;
    padding: 5rem 0 6rem;
    position: relative;
    overflow: hidden;
}
.hero-section::before {
    content: '';
    position: absolute;
    top: -100px; right: -100px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(245,166,35,0.12) 0%, transparent 70%);
    border-radius: 50%;
}
.hero-section .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.35rem 1rem;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 1.25rem;
    color: #c7d2fe;
}
.hero-section .hero-badge i { color: var(--ff-accent); }
.hero-section h1 {
    font-size: 2.75rem;
    font-weight: 900;
    color: #fff;
    margin-bottom: 1rem;
    line-height: 1.15;
    letter-spacing: -0.8px;
}
.hero-section h1 .text-accent { color: var(--ff-accent); }
.hero-section p.hero-subtitle {
    font-size: 1.0625rem;
    opacity: 0.85;
    margin-bottom: 2rem;
    max-width: 520px;
    line-height: 1.7;
    color: #cbd5e1;
}
.hero-section .hero-cta { display: flex; gap: 1rem; align-items: center; flex-wrap: wrap; }
.hero-section .btn-hero-primary {
    background: var(--ff-accent);
    border: none;
    color: #1a1a2e;
    padding: 0.85rem 2.5rem;
    font-size: 1rem;
    font-weight: 700;
    border-radius: 50px;
    transition: var(--ff-transition);
}
.hero-section .btn-hero-primary:hover { background: var(--ff-accent-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(245,166,35,0.4); }
.hero-section .btn-hero-outline {
    background: transparent;
    border: 2px solid rgba(255,255,255,0.3);
    color: #fff;
    padding: 0.8rem 2rem;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 50px;
    transition: var(--ff-transition);
}
.hero-section .btn-hero-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }

/* Hero Lead Form Card */
.hero-lead-card {
    background: #fff;
    border-radius: 16px;
    padding: 2rem;
    box-shadow: 0 20px 50px rgba(0,0,0,0.2);
    color: var(--ff-gray-700);
}
.hero-lead-card h3 { font-size: 1.25rem; font-weight: 800; color: var(--ff-dark); margin-bottom: 0.25rem; }
.hero-lead-card .form-control, .hero-lead-card .form-select { font-size: 0.875rem; padding: 0.65rem 0.85rem; }
.hero-lead-card .btn { width: 100%; padding: 0.75rem; font-size: 1rem; }

/* ----- Trust Bar ----- */
.trust-bar { position: relative; z-index: 10; margin-top: -3rem; }
.trust-bar .trust-inner {
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 8px 30px rgba(0,0,0,0.08);
    padding: 2rem 1.5rem;
    border: 1px solid var(--ff-gray-100);
}
.trust-bar .stat-item { text-align: center; padding: 0.5rem; }
.trust-bar .stat-item:not(:last-child) { border-right: 1px solid var(--ff-gray-200); }
.trust-bar .stat-number { font-size: 1.875rem; font-weight: 900; color: var(--ff-primary); line-height: 1.2; }
.trust-bar .stat-label { font-size: 0.8125rem; color: var(--ff-gray-500); font-weight: 600; margin-top: 0.25rem; }

/* ----- Section Common ----- */
.section { padding: 4rem 0; }
.section-sm { padding: 2.5rem 0; }
.section-light { background: var(--ff-gray-50); }
.section-white { background: #fff; }
.section-dark { background: var(--ff-dark); color: #fff; }
.section-title { text-align: center; margin-bottom: 2.5rem; }
.section-title .section-tag {
    display: inline-block;
    padding: 0.3rem 1rem;
    background: rgba(0,77,142,0.08);
    color: var(--ff-primary);
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin-bottom: 0.625rem;
}
.section-title h2 { font-size: 2rem; font-weight: 900; margin-bottom: 0.625rem; color: var(--ff-dark); }
.section-title p { color: var(--ff-gray-500); font-size: 1rem; max-width: 640px; margin: 0 auto; }

/* ----- Loan / Product Cards ----- */
.loan-card {
    background: #fff;
    border: 1px solid var(--ff-gray-200);
    border-radius: 12px;
    padding: 1.75rem;
    transition: var(--ff-transition);
    height: 100%;
    position: relative;
}
.loan-card:hover { box-shadow: var(--ff-shadow-lg); transform: translateY(-3px); border-color: var(--ff-primary); }
.loan-card .loan-icon {
    width: 56px; height: 56px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    margin-bottom: 1rem;
    background: rgba(0,77,142,0.08);
    color: var(--ff-primary);
}
.loan-card .loan-title { font-size: 1.1rem; font-weight: 800; margin-bottom: 0.5rem; color: var(--ff-dark); }
.loan-card .loan-desc { color: var(--ff-gray-500); font-size: 0.875rem; margin-bottom: 1rem; line-height: 1.6; }
.loan-card .loan-meta {
    display: flex;
    justify-content: space-between;
    padding: 0.75rem 0;
    border-top: 1px solid var(--ff-gray-100);
    margin-bottom: 1rem;
}
.loan-card .loan-meta .meta-value { font-weight: 800; color: var(--ff-dark); font-size: 0.9rem; }
.loan-card .loan-meta .meta-label { font-size: 0.7rem; color: var(--ff-gray-400); text-transform: uppercase; letter-spacing: 0.5px; }
.loan-card .btn-apply {
    display: block;
    width: 100%;
    padding: 0.65rem;
    border-radius: 8px;
    font-weight: 700;
    font-size: 0.875rem;
    border: 2px solid var(--ff-accent);
    color: var(--ff-accent);
    background: transparent;
    text-align: center;
    transition: var(--ff-transition);
}
.loan-card .btn-apply:hover { background: var(--ff-accent); color: #1a1a2e; }

/* ----- Icon Cards (Shriram-style) ----- */
.icon-card {
    text-align: center;
    padding: 2rem 1.25rem;
    border-radius: 12px;
    background: #fff;
    border: 1px solid var(--ff-gray-200);
    transition: var(--ff-transition);
    height: 100%;
}
.icon-card:hover { box-shadow: var(--ff-shadow-md); transform: translateY(-2px); }
.icon-card .icon-wrap {
    width: 60px; height: 60px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    background: rgba(0,77,142,0.06);
}
.icon-card .icon-wrap img { width: 32px; height: 32px; }
.icon-card h4 { font-size: 1rem; font-weight: 800; margin-bottom: 0.5rem; }
.icon-card p { font-size: 0.85rem; color: var(--ff-gray-500); line-height: 1.6; margin: 0; }

/* ----- Feature / Benefit Cards ----- */
.feature-card {
    padding: 1.75rem;
    border-radius: 12px;
    background: #fff;
    border: 1px solid var(--ff-gray-200);
    transition: var(--ff-transition);
    height: 100%;
}
.feature-card:hover { box-shadow: var(--ff-shadow-md); }
.feature-card .feature-icon {
    width: 52px; height: 52px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    margin-bottom: 1rem;
}
.feature-card h4 { font-size: 1rem; font-weight: 800; margin-bottom: 0.5rem; color: var(--ff-dark); }
.feature-card p { font-size: 0.875rem; color: var(--ff-gray-500); line-height: 1.6; margin: 0; }

/* ----- Steps / Process ----- */
.step-card { text-align: center; padding: 1.5rem; position: relative; }
.step-card .step-number {
    width: 52px; height: 52px;
    border-radius: 50%;
    background: var(--ff-primary);
    color: #fff;
    font-size: 1.3rem;
    font-weight: 900;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    position: relative;
    z-index: 2;
}
.step-card .step-connector {
    position: absolute;
    top: 38px; left: 58%;
    width: 84%; height: 2px;
    background: var(--ff-gray-200);
    z-index: 1;
}
.step-card h5 { font-weight: 800; margin-bottom: 0.5rem; color: var(--ff-dark); }
.step-card p { font-size: 0.875rem; color: var(--ff-gray-500); line-height: 1.6; margin: 0; }

/* ----- EMI Calculator ----- */
.emi-section {
    background: var(--ff-gray-50);
}
.emi-calc-card {
    background: #fff;
    border-radius: 16px;
    padding: 2rem;
    box-shadow: var(--ff-shadow);
    border: 1px solid var(--ff-gray-200);
}
.emi-calc-card label { font-weight: 600; font-size: 0.85rem; color: var(--ff-gray-600); margin-bottom: 0.4rem; }
.emi-calc-card .form-control { font-weight: 600; }
.emi-calc-card .btn-calculate {
    background: var(--ff-accent);
    border: none;
    color: #1a1a2e;
    padding: 0.8rem 2rem;
    font-weight: 700;
    border-radius: 50px;
    font-size: 1rem;
    width: 100%;
    cursor: pointer;
    transition: var(--ff-transition);
}
.emi-calc-card .btn-calculate:hover { background: var(--ff-accent-dark); }
.emi-result-card {
    background: #fff;
    border-radius: 16px;
    padding: 2rem;
    text-align: center;
    box-shadow: var(--ff-shadow);
    border: 1px solid var(--ff-gray-200);
}
.emi-result-card .emi-big { font-size: 2.5rem; font-weight: 900; color: var(--ff-primary); }
.emi-result-card .emi-label { color: var(--ff-gray-500); font-size: 0.85rem; font-weight: 600; }
.emi-result-card .emi-detail {
    display: flex;
    justify-content: space-between;
    padding: 0.7rem 0;
    border-top: 1px solid var(--ff-gray-100);
    font-size: 0.9rem;
}
.emi-result-card .emi-detail span:first-child { color: var(--ff-gray-500); }
.emi-result-card .emi-detail span:last-child { font-weight: 700; }

/* ----- Testimonials ----- */
.testimonial-card {
    padding: 1.75rem;
    border-radius: 12px;
    background: #fff;
    border: 1px solid var(--ff-gray-200);
    height: 100%;
    transition: var(--ff-transition);
}
.testimonial-card:hover { box-shadow: var(--ff-shadow-md); }
.testimonial-card .stars { color: var(--ff-accent); margin-bottom: 0.75rem; font-size: 0.85rem; }
.testimonial-card .testimonial-text { font-size: 0.9rem; color: var(--ff-gray-600); line-height: 1.7; margin-bottom: 1.25rem; font-style: italic; }
.testimonial-card .testimonial-author { display: flex; align-items: center; gap: 0.75rem; padding-top: 1rem; border-top: 1px solid var(--ff-gray-100); }
.testimonial-card .testimonial-author img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; }
.testimonial-card .author-name { font-weight: 800; font-size: 0.9rem; color: var(--ff-dark); }
.testimonial-card .author-role { font-size: 0.78rem; color: var(--ff-gray-400); }

/* ----- CTA Section ----- */
.cta-section {
    background: linear-gradient(135deg, var(--ff-primary) 0%, #003666 100%);
    color: #fff;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    top: -50%; left: -20%;
    width: 60%; height: 200%;
    background: radial-gradient(ellipse, rgba(255,255,255,0.08) 0%, transparent 60%);
}
.cta-section h2 { color: #fff; font-size: 2rem; font-weight: 900; }
.cta-section p { color: rgba(255,255,255,0.85); font-size: 1.05rem; }
.cta-section .btn-cta {
    background: var(--ff-accent);
    color: #1a1a2e;
    padding: 0.85rem 2.5rem;
    font-size: 1rem;
    font-weight: 800;
    border-radius: 50px;
    border: none;
    transition: var(--ff-transition);
}
.cta-section .btn-cta:hover { background: var(--ff-accent-dark); transform: translateY(-2px); }

/* ----- Sticky Bottom CTA ----- */
.sticky-cta {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background: #fff;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.1);
    padding: 0.75rem 1.25rem;
    z-index: 1050;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    animation: fadeInUp 0.3s ease;
}
.sticky-cta .sticky-cta-text { font-weight: 700; font-size: 0.9rem; color: var(--ff-dark); }
.sticky-cta .btn { padding: 0.6rem 1.75rem; font-size: 0.9rem; white-space: nowrap; }

/* ----- Footer ----- */
.site-footer {
    background: var(--ff-dark);
    color: var(--ff-gray-400);
    padding: 4rem 0 2rem;
}
.site-footer h5, .site-footer h6 { color: #fff; font-size: 1rem; font-weight: 800; margin-bottom: 1rem; }
.site-footer a { color: var(--ff-gray-400); transition: var(--ff-transition); }
.site-footer a:hover { color: #fff; }
.site-footer .footer-social a {
    width: 38px; height: 38px;
    border-radius: 8px;
    background: rgba(255,255,255,0.06);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--ff-gray-400);
    transition: var(--ff-transition);
    border: 1px solid rgba(255,255,255,0.08);
}
.site-footer .footer-social a:hover { background: var(--ff-accent); color: #1a1a2e; border-color: var(--ff-accent); }
.site-footer hr { border-color: rgba(255,255,255,0.08); }
.site-footer .footer-bottom { font-size: 0.85rem; color: var(--ff-gray-500); }

/* ----- Text Cards (Eligibility / Documents) ----- */
.text-card {
    padding: 1.5rem;
    border-radius: 12px;
    background: #fff;
    border: 1px solid var(--ff-gray-200);
    height: 100%;
}
.text-card h4 { font-size: 1rem; font-weight: 800; margin-bottom: 0.75rem; color: var(--ff-dark); }
.text-card ul { margin: 0; padding-left: 1.25rem; }
.text-card ul li { font-size: 0.875rem; color: var(--ff-gray-600); margin-bottom: 0.375rem; }

/* ----- Link Cards (City links) ----- */
.link-card-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0.75rem; }
.link-card {
    display: block;
    padding: 0.85rem 1rem;
    border-radius: 8px;
    background: #fff;
    border: 1px solid var(--ff-gray-200);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--ff-gray-700);
    transition: var(--ff-transition);
    text-align: center;
}
.link-card:hover { border-color: var(--ff-primary); color: var(--ff-primary); background: rgba(0,77,142,0.02); }

/* =========== LOGIN / REGISTER =========== */
.login-wrapper {
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #0a1628 0%, #0f2847 100%);
    padding: 2rem;
}
.login-card {
    max-width: 440px;
    width: 100%;
    background: #fff;
    border-radius: 16px;
    padding: 2.5rem;
    box-shadow: 0 25px 60px rgba(0,0,0,0.2);
}
.login-card .logo-area { text-align: center; margin-bottom: 2rem; }
.login-card .logo-area img { max-height: 44px; margin-bottom: 0.5rem; }
.login-card .logo-area h4 { font-weight: 900; color: var(--ff-dark); }
.login-card .logo-area p { color: var(--ff-gray-400); font-size: 0.85rem; }

/* =========== RESPONSIVE =========== */
@media (max-width: 992px) {
    .hero-section { padding: 3.5rem 0 4.5rem; }
    .hero-section h1 { font-size: 2rem; }
    .trust-bar { margin-top: -2rem; }
    .trust-bar .stat-item:not(:last-child) { border-right: none; border-bottom: 1px solid var(--ff-gray-200); }
    .section-title h2 { font-size: 1.5rem; }
    .link-card-grid { grid-template-columns: repeat(2, 1fr); }
    .step-card .step-connector { display: none; }
}
@media (max-width: 768px) {
    .hero-section { padding: 2.5rem 0 3.5rem; }
    .hero-section h1 { font-size: 1.625rem; }
    .hero-section .hero-cta { flex-direction: column; }
    .hero-section .btn-hero-primary, .hero-section .btn-hero-outline { width: 100%; text-align: center; }
    .hero-lead-card { margin-top: 1.5rem; }
    .trust-bar .trust-inner { padding: 1.25rem 0.75rem; }
    .trust-bar .stat-number { font-size: 1.25rem; }
    .section-title h2 { font-size: 1.375rem; }
    .link-card-grid { grid-template-columns: 1fr; }
    .sticky-cta { flex-direction: column; text-align: center; }
    .login-card { padding: 1.75rem 1.25rem; }
}