*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --brand:#0057FF;--brand-dark:#0040CC;--brand-light:#EEF3FF;
  --accent:#FF6B2B;--dark:#0D1B2A;--mid:#4A5568;--light:#F7F9FC;
  --white:#FFFFFF;--green:#1D9E4F;--radius:16px;
  --shadow:0 4px 24px rgba(0,87,255,.10);--shadow-lg:0 12px 48px rgba(0,87,255,.16);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--dark);background:var(--white);overflow-x:hidden}

/* ── NAV ── */
nav{
  position:sticky;top:0;z-index:200;
  background:#fff;
  border-bottom:1px solid #E8EEFF;
  display:flex;align-items:center;justify-content:space-between;
  padding:0 5%;height:68px;
  box-shadow:0 2px 12px rgba(0,0,0,.06);
}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-icon{
  width:38px;height:38px;border-radius:10px;background:var(--brand);
  display:flex;align-items:center;justify-content:center;
}
.logo-icon svg{width:22px;height:22px;fill:white}
.logo-text{font-size:1.25rem;font-weight:700;color:var(--dark);letter-spacing:-.3px}
.logo-text span{color:var(--brand)}

/* menu bar */
.nav-menu{display:flex;align-items:center;gap:0;list-style:none;height:68px}
.nav-item{position:relative;height:100%;display:flex;align-items:center}
.nav-item > .nav-trigger{
  display:flex;align-items:center;gap:5px;
  padding:0 16px;height:100%;
  font-size:.9rem;font-weight:600;color:var(--dark);
  cursor:pointer;border:none;background:transparent;
  white-space:nowrap;transition:color .2s;
  font-family:'DM Sans',sans-serif;
}
.nav-item > .nav-trigger:hover,.nav-item.open > .nav-trigger{color:var(--brand)}
.nav-item.open > .nav-trigger .caret{transform:rotate(180deg)}
.caret{
  display:inline-block;width:14px;height:14px;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 6l4 4 4-4' stroke='%234A5568' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat;
  transition:transform .25s;flex-shrink:0;
}
.nav-item.open > .nav-trigger .caret{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 6l4 4 4-4' stroke='%230057FF' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
}

/* active underline */
.nav-item.open > .nav-trigger::after,.nav-item > .nav-trigger:hover::after{
  content:'';position:absolute;bottom:0;left:16px;right:16px;height:2px;
  background:var(--brand);border-radius:2px 2px 0 0;
}
.nav-item > .nav-trigger{position:relative}

/* dropdown panel */
.dropdown{
  position:absolute;top:calc(100% + 0px);left:0;
  background:white;border:1px solid #E8EEFF;
  border-radius:0 0 14px 14px;
  box-shadow:0 12px 40px rgba(0,87,255,.12);
  min-width:220px;padding:8px 0;
  opacity:0;visibility:hidden;transform:translateY(6px);
  transition:opacity .22s,transform .22s,visibility .22s;
  pointer-events:none;
}
.nav-item.open .dropdown{
  opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto;
}
.dropdown a{
  display:flex;align-items:center;gap:10px;
  padding:10px 18px;font-size:.88rem;font-weight:500;color:var(--mid);
  text-decoration:none;transition:background .15s,color .15s;
}
.dropdown a:hover{background:var(--brand-light);color:var(--brand)}
.dropdown a .d-icon{
  width:30px;height:30px;border-radius:8px;background:var(--brand-light);
  display:flex;align-items:center;justify-content:center;font-size:.9rem;flex-shrink:0;
}
.dropdown a:hover .d-icon{background:white}
.dropdown-divider{height:1px;background:#F0F4FF;margin:6px 0}
.dropdown-label{
  padding:8px 18px 4px;font-size:.7rem;font-weight:700;color:#999;
  letter-spacing:.8px;text-transform:uppercase;
}

/* right side */
.nav-cta{display:flex;gap:.75rem;align-items:center;margin-left:16px}
.btn-outline{padding:.45rem 1.1rem;border:1.5px solid var(--brand);border-radius:8px;color:var(--brand);font-weight:600;font-size:.85rem;cursor:pointer;background:transparent;transition:all .2s;text-decoration:none;white-space:nowrap}
.btn-outline:hover{background:var(--brand);color:white}
.btn-filled{padding:.5rem 1.3rem;background:var(--brand);border:none;border-radius:8px;color:white;font-weight:600;font-size:.85rem;cursor:pointer;transition:background .2s;text-decoration:none;white-space:nowrap}
.btn-filled:hover{background:var(--brand-dark)}

/* BREADCRUMB */
.breadcrumb{padding:.75rem 5%;font-size:.82rem;color:var(--mid);background:var(--light);border-bottom:1px solid #E8EEFF;margin-bottom:auto}
.breadcrumb a{color:var(--brand);text-decoration:none}
.breadcrumb span{margin:0 6px;opacity:.5}

/* HERO */
.hero{
  background:linear-gradient(135deg,#0D1B2A 0%,#073092 55%,#0057FF 100%);
  padding:64px 5% 0;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end;
  min-height:480px;position:relative;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 55% 80% at 75% 50%,rgba(0,120,255,.3) 0%,transparent 70%);
  pointer-events:none;
}
.hero-content{position:relative;z-index:2;padding-bottom:72px}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);
  border-radius:30px;padding:.3rem .9rem;margin-bottom:1.25rem;
  font-size:.8rem;color:rgba(255,255,255,.85);font-weight:500;
}
.hero-eyebrow span{width:7px;height:7px;background:#4DF06A;border-radius:50%}
.hero h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(2rem,3.8vw,3.2rem);line-height:1.18;color:white;margin-bottom:1.25rem;
}
.hero h1 em{font-style:normal;color:#7EB8FF}
.hero-bullets{list-style:none;margin-bottom:2rem;display:flex;flex-direction:column;gap:.6rem}
.hero-bullets li{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.82);font-size:.93rem}
.bullet-check{
  width:20px;height:20px;border-radius:50%;background:rgba(77,240,106,.2);
  display:flex;align-items:center;justify-content:center;font-size:.65rem;color:#4DF06A;flex-shrink:0;
}
.hero-desc{font-size:.92rem;color:rgba(255,255,255,.6);line-height:1.65;margin-bottom:2rem;max-width:440px}
.hero-tags{display:flex;gap:.6rem;flex-wrap:wrap}
.hero-tag{
  padding:.35rem .85rem;border-radius:30px;font-size:.78rem;font-weight:600;
  background:rgba(255,255,255,.1);color:rgba(255,255,255,.8);border:1px solid rgba(255,255,255,.15);
}

/* LEAD FORM */
.lead-form-wrap{
  position:relative;z-index:2;padding-bottom:0;
  display:flex;align-items:flex-end;
}
.lead-form{
  background:white;border-radius:20px 20px 0 0;padding:28px 28px 32px;
  width:100%;box-shadow:0 -8px 40px rgba(0,0,0,.25);
  margin-bottom:250px;
}
.form-title{font-size:1rem;font-weight:700;color:var(--dark);margin-bottom:4px}
.form-sub{font-size:.78rem;color:var(--mid);margin-bottom:20px;line-height:1.5}
.form-lenders{font-size:.72rem;font-weight:600;color:var(--brand);margin-bottom:16px;letter-spacing:.3px}
.field-group{margin-bottom:14px}
.field-group label{display:block;font-size:.78rem;font-weight:600;color:var(--mid);margin-bottom:5px}
.field-group select,.field-group input{
  width:100%;padding:.62rem .9rem;border:1.5px solid #E2E8F0;border-radius:10px;
  font-family:'DM Sans',sans-serif;font-size:.88rem;color:var(--dark);background:var(--light);
  outline:none;transition:border-color .2s;
}
.field-group select:focus,.field-group input:focus{border-color:var(--brand)}
.form-consent{font-size:.68rem;color:#999;line-height:1.55;margin-bottom:14px}
.form-consent a{color:var(--brand)}
.btn-form{
  width:100%;padding:.72rem;background:var(--brand);color:white;border:none;
  border-radius:10px;font-family:'DM Sans',sans-serif;font-weight:700;font-size:.95rem;
  cursor:pointer;transition:background .2s;
}
.btn-form:hover{background:var(--brand-dark)}

/* MAIN LAYOUT */
.page-body{display:grid;grid-template-columns:1fr 300px;gap:2rem;padding:48px 5%;align-items:start}
.main-col{}
.sidebar{}

/* SECTIONS */
.section-block{margin-bottom:2.5rem}
.section-block h2{font-size:1.35rem;font-weight:700;color:var(--dark);margin-bottom:.4rem}
.section-block p{font-size:.9rem;color:var(--mid);line-height:1.7;margin-bottom:.75rem}

/* STATS BAR */
.stats-bar{
  background:var(--brand);border-radius:var(--radius);
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
  margin-bottom:2.5rem;overflow:hidden;
}
.stat-cell{
  padding:20px;text-align:center;position:relative;
}
.stat-cell:not(:last-child)::after{
  content:'';position:absolute;right:0;top:20%;height:60%;
  width:1px;background:rgba(255,255,255,.2);
}
.stat-cell-num{font-size:1.5rem;font-weight:800;color:white}
.stat-cell-label{font-size:.73rem;color:rgba(255,255,255,.65);margin-top:3px;font-weight:500}

/* TABS */
.tabs-row{display:flex;gap:.75rem;margin-bottom:1.5rem;flex-wrap:wrap}
.tab{
  padding:.45rem 1.1rem;border-radius:30px;font-size:.85rem;font-weight:600;
  cursor:pointer;border:1.5px solid #E2E8F0;color:var(--mid);background:white;transition:all .2s;
}
.tab.active{background:var(--brand);color:white;border-color:var(--brand)}

/* BANK CARDS */
.bank-card{
  border:1.5px solid #E8EEFF;border-radius:var(--radius);
  padding:20px 22px;margin-bottom:1rem;background:white;
  transition:box-shadow .2s,border-color .2s;position:relative;
}
.bank-card:hover{border-color:var(--brand);box-shadow:var(--shadow)}
.bank-card-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.bank-name-row{display:flex;align-items:center;gap:10px}
.bank-icon{
  width:40px;height:40px;border-radius:10px;background:var(--brand-light);
  display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;
}
.bank-name{font-weight:700;font-size:.97rem;color:var(--brand);cursor:pointer}
.bank-name:hover{text-decoration:underline}
.bank-badge{
  font-size:.65rem;font-weight:700;padding:2px 8px;border-radius:20px;
  background:#E8FFF0;color:var(--green);letter-spacing:.4px;
}
.bank-badge.orange{background:#FFF3EE;color:var(--accent)}
.apply-btn{
  padding:.45rem 1.1rem;background:var(--brand);color:white;border:none;
  border-radius:8px;font-weight:700;font-size:.82rem;cursor:pointer;
  transition:background .2s;white-space:nowrap;flex-shrink:0;
}
.apply-btn:hover{background:var(--brand-dark)}
.bank-details{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.detail-item{}
.detail-label{font-size:.7rem;color:var(--mid);font-weight:500;margin-bottom:2px}
.detail-val{font-size:.85rem;font-weight:700;color:var(--dark)}
.detail-val.rate{color:var(--green)}

/* FEATURE CARDS */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-bottom:2rem}
.feature-card{
  border:1.5px solid #E8EEFF;border-radius:14px;padding:20px;
  background:white;text-align:center;transition:all .25s;
}
.feature-card:hover{border-color:var(--brand);transform:translateY(-3px);box-shadow:var(--shadow)}
.feat-icon{font-size:1.8rem;margin-bottom:10px}
.feat-title{font-size:.88rem;font-weight:700;color:var(--dark);margin-bottom:6px}
.feat-desc{font-size:.77rem;color:var(--mid);line-height:1.5}

/* EMI CALCULATOR */
.calc-box{
  background:linear-gradient(135deg,#0057FF,#0040CC);
  border-radius:var(--radius);padding:28px;margin-bottom:2rem;
}
.calc-box h3{color:white;font-size:1.1rem;font-weight:700;margin-bottom:4px}
.calc-box p{color:rgba(255,255,255,.65);font-size:.8rem;margin-bottom:20px}
.calc-field{margin-bottom:14px}
.calc-field label{display:block;font-size:.76rem;color:rgba(255,255,255,.75);font-weight:600;margin-bottom:5px}
.calc-field input[type=range]{width:100%;accent-color:white}
.calc-field .val{font-size:.95rem;font-weight:700;color:white;margin-top:3px}
.calc-result-box{
  background:rgba(255,255,255,.12);border-radius:12px;padding:18px;
  border:1px solid rgba(255,255,255,.2);margin-top:16px;
}
.calc-emi-label{font-size:.75rem;color:rgba(255,255,255,.6)}
.calc-emi-val{font-size:1.8rem;font-weight:800;color:white;margin:3px 0 12px}
.calc-row{display:flex;justify-content:space-between;padding:5px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.calc-row:last-child{border:none}
.calc-row-label{font-size:.76rem;color:rgba(255,255,255,.6)}
.calc-row-val{font-size:.8rem;font-weight:700;color:white}
.btn-calc-apply{
  width:100%;margin-top:14px;padding:.65rem;background:white;color:var(--brand);
  border:none;border-radius:9px;font-weight:700;font-size:.88rem;cursor:pointer;transition:transform .2s;
}
.btn-calc-apply:hover{transform:translateY(-2px)}

/* SIDEBAR CARDS */
.sidebar-card{
  border:1.5px solid #E8EEFF;border-radius:var(--radius);
  padding:20px;margin-bottom:1.25rem;background:white;
}
.sidebar-card h4{font-size:.92rem;font-weight:700;color:var(--dark);margin-bottom:10px}
.eligibility-list{list-style:none;display:flex;flex-direction:column;gap:8px}
.eligibility-list li{display:flex;align-items:flex-start;gap:8px;font-size:.8rem;color:var(--mid);line-height:1.45}
.eli-dot{width:6px;height:6px;border-radius:50%;background:var(--brand);margin-top:5px;flex-shrink:0}
.doc-list{list-style:none;display:flex;flex-direction:column;gap:6px}
.doc-list li{font-size:.8rem;color:var(--mid);padding:.4rem .6rem;background:var(--light);border-radius:7px;display:flex;align-items:center;gap:6px}
.sidebar-cta{
  background:linear-gradient(135deg,#0D1B2A,#0057FF);
  border-radius:var(--radius);padding:22px;color:white;margin-bottom:1.25rem;text-align:center;
}
.sidebar-cta h4{font-size:.95rem;font-weight:700;margin-bottom:6px}
.sidebar-cta p{font-size:.77rem;color:rgba(255,255,255,.65);margin-bottom:14px;line-height:1.5}
.btn-sidebar{
  width:100%;padding:.6rem;background:white;color:var(--brand);border:none;
  border-radius:9px;font-weight:700;font-size:.85rem;cursor:pointer;transition:transform .2s;
}
.btn-sidebar:hover{transform:translateY(-2px)}
.rate-table{width:100%;border-collapse:collapse;font-size:.78rem}
.rate-table th{text-align:left;padding:6px 4px;color:var(--mid);font-weight:600;border-bottom:1.5px solid #E8EEFF}
.rate-table td{padding:7px 4px;border-bottom:1px solid #F0F4FF;color:var(--dark)}
.rate-table tr:last-child td{border:none}
.rate-table .green{color:var(--green);font-weight:700}

/* FAQ */
.faq-item{border-bottom:1px solid #E8EEFF;padding:14px 0;cursor:pointer}
.faq-item:last-child{border:none}
.faq-q{display:flex;justify-content:space-between;align-items:center;font-weight:600;font-size:.9rem;color:var(--dark)}
.faq-arrow{transition:transform .3s;font-size:.8rem;color:var(--brand);flex-shrink:0;margin-left:8px}
.faq-a{font-size:.83rem;color:var(--mid);line-height:1.65;max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s}
.faq-item.open .faq-a{max-height:300px;padding-top:10px}
.faq-item.open .faq-arrow{transform:rotate(180deg)}

/* FOOTER */
footer{background:var(--dark);color:rgba(255,255,255,.55);padding:56px 5% 22px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2.5rem}
.footer-brand .logo-text{color:white}
.footer-desc{font-size:.83rem;line-height:1.65;margin-top:.9rem;color:rgba(255,255,255,.45);max-width:260px}
.footer-col h4{font-size:.86rem;font-weight:700;color:white;margin-bottom:.9rem}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:.55rem}
.footer-col a{font-size:.81rem;color:rgba(255,255,255,.45);text-decoration:none;transition:color .2s}
.footer-col a:hover{color:white}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;font-size:.77rem;flex-wrap:wrap;gap:8px}

/* RESPONSIVE */
@media(max-width:1000px){.page-body{grid-template-columns:1fr}.sidebar{display:grid;grid-template-columns:1fr 1fr;gap:1rem}}
@media(max-width:800px){.hero{grid-template-columns:1fr}.lead-form-wrap{display:none}.stats-bar{grid-template-columns:repeat(2,1fr)}.bank-details{grid-template-columns:repeat(2,1fr)}.feature-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:860px){.nav-menu{display:none}.feature-grid{grid-template-columns:1fr 1fr}}
@media(max-width:500px){.feature-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.nav-cta .btn-outline{display:none}}