:root {
  --navy: #0d2347;
  --navy-deep: #081628;
  --navy-mid: #163a6b;
  --navy-soft: #1b3f7a;
  --gold: #c9a227;
  --gold-light: #e8c547;
  --gold-pale: #f6e7b0;
  --gold-dark: #8f7010;
  --cream: #f7f5ef;
  --text: #1a2332;
  --muted: #5c6573;
  --white: #ffffff;
  --shadow: 0 12px 40px rgba(8, 22, 40, 0.12);
  --radius: 14px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: "Poppins", sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

h1, h2, h3, h4, .brand-font {
  font-family: "Playfair Display", serif;
}

img { max-width: 100%; height: auto; }

a { text-decoration: none; }

/* Top bar */
.top-bar {
  background: var(--navy-deep);
  color: #d7deea;
  font-size: 0.82rem;
  padding: 8px 0;
}

.top-bar .container {
  flex-wrap: wrap;
  gap: 8px;
}

.top-bar a { color: var(--gold-light); }
.top-bar a:hover { color: var(--gold-pale); }

.top-bar .divider { opacity: 0.35; margin: 0 10px; }

.top-social {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.top-social a {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1px solid rgba(232, 197, 71, 0.4);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light) !important;
  font-size: 0.85rem;
}

.top-social a:hover {
  background: var(--gold);
  color: var(--navy-deep) !important;
  border-color: var(--gold);
}

/* Navbar — light bar so the navy + gold banner logo stays visible */
.main-nav {
  background: #ffffff;
  padding: 0.45rem 0;
  box-shadow: 0 6px 24px rgba(8, 22, 40, 0.08);
  border-bottom: 3px solid var(--gold);
}

.main-nav .navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
}

.main-nav .navbar-brand:hover { color: var(--gold-light); }

.brand-mark {
  width: 58px;
  height: 42px;
  flex-shrink: 0;
}

.brand-logo {
  height: 72px;
  width: auto;
  max-width: 280px;
  object-fit: contain;
  background: transparent;
  border-radius: 0;
  padding: 0;
}

.dropdown-menu {
  background: var(--navy-deep);
  border: 1px solid rgba(201, 162, 39, 0.28);
  border-radius: 10px;
  padding: 8px 0;
  min-width: 220px;
}

.dropdown-item {
  color: #e8edf5;
  font-size: 0.92rem;
  padding: 0.55rem 1.1rem;
}

.dropdown-item:hover,
.dropdown-item:focus,
.dropdown-item.active {
  background: rgba(201, 162, 39, 0.16);
  color: var(--gold-light);
}

@media (min-width: 992px) {
  .navbar .dropdown:hover > .dropdown-menu {
    display: block;
    margin-top: 0;
  }
}

.brand-text { line-height: 1.1; }

.brand-text strong {
  display: block;
  font-family: "Playfair Display", serif;
  font-size: 1.15rem;
  letter-spacing: 0.04em;
  color: var(--white);
}

.brand-text span {
  display: block;
  font-size: 0.62rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-light);
  font-weight: 500;
}

.main-nav .nav-link {
  color: var(--navy) !important;
  font-weight: 500;
  font-size: 0.95rem;
  padding: 0.7rem 0.95rem !important;
  position: relative;
}

.main-nav .nav-link::after {
  content: "";
  position: absolute;
  left: 16px;
  right: 16px;
  bottom: 8px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.25s ease;
}

.main-nav .nav-link:hover,
.main-nav .nav-link.active {
  color: var(--gold-dark) !important;
}

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

.navbar-toggler {
  border: 1px solid var(--gold);
  padding: 0.35rem 0.5rem;
}

.navbar-toggler:focus { box-shadow: 0 0 0 0.15rem rgba(201, 162, 39, 0.35); }

.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%230d2347' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.btn-gold {
  background: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 100%);
  color: var(--navy-deep) !important;
  border: 0;
  font-weight: 600;
  padding: 0.7rem 1.4rem;
  border-radius: 8px;
  box-shadow: 0 6px 16px rgba(201, 162, 39, 0.28);
}

.btn-gold:hover {
  background: linear-gradient(180deg, #f3d76e 0%, #b8921c 100%);
  color: var(--navy-deep) !important;
}

.btn-navy {
  background: var(--navy);
  color: var(--white) !important;
  border: 0;
  font-weight: 600;
  padding: 0.7rem 1.4rem;
  border-radius: 8px;
}

.btn-navy:hover { background: var(--navy-mid); color: var(--white) !important; }

.btn-outline-gold {
  border: 1.5px solid var(--gold);
  color: var(--gold-light) !important;
  background: transparent;
  font-weight: 600;
  padding: 0.7rem 1.4rem;
  border-radius: 8px;
}

.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy-deep) !important;
}

/* Hero */
.home-banner {
  position: relative;
  background: #ffffff;
  line-height: 0;
}

.home-banner .banner-img {
  width: 100%;
  height: auto;
  display: block;
}

.banner-hotspots {
  position: absolute;
  left: 3%;
  right: 3%;
  top: 42%;
  height: 36%;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0.6%;
}

.banner-hotspots a {
  display: block;
  height: 100%;
  border-radius: 10px;
}

.banner-apply {
  position: absolute;
  top: 8%;
  right: 4%;
  background: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 100%);
  color: var(--navy-deep) !important;
  font-weight: 700;
  font-size: 0.95rem;
  line-height: 1;
  padding: 0.7rem 1.2rem;
  border-radius: 8px;
  box-shadow: 0 6px 16px rgba(201, 162, 39, 0.28);
}

.banner-apply:hover {
  background: linear-gradient(180deg, #f3d76e 0%, #b8921c 100%);
}

.hero {
  position: relative;
  min-height: 620px;
  display: flex;
  align-items: center;
  background:
    linear-gradient(105deg, rgba(8, 22, 40, 0.88) 0%, rgba(13, 35, 71, 0.72) 55%, rgba(13, 35, 71, 0.45) 100%),
    url("../images/office.jpg") center 30% / cover no-repeat;
  color: var(--white);
}

.hero-kicker {
  color: var(--gold-light);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-size: 0.78rem;
  font-weight: 600;
}

.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.6rem);
  line-height: 1.15;
  margin: 0.4rem 0 1rem;
}

.hero h1 em {
  font-style: normal;
  color: var(--gold-light);
}

.hero p.lead {
  max-width: 540px;
  color: #dce3ee;
  font-size: 1.05rem;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 1.4rem;
}

.hero-badges span {
  border: 1px solid rgba(232, 197, 71, 0.45);
  color: var(--gold-pale);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 0.78rem;
  background: rgba(8, 22, 40, 0.35);
}

/* Feature strip */
.feature-strip {
  background: var(--navy);
  color: var(--white);
  margin-top: 0;
  position: relative;
  z-index: 2;
  border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: var(--shadow);
}

.feature-item {
  padding: 1.4rem 1rem;
  text-align: center;
}

.feature-item i {
  color: var(--gold-light);
  font-size: 1.6rem;
  display: block;
  margin-bottom: 0.4rem;
}

.feature-item h6 {
  font-family: "Poppins", sans-serif;
  font-weight: 600;
  margin: 0;
}

.feature-item small { color: #b8c2d4; }

/* Sections */
.section { padding: 80px 0; }

.section-cream { background: var(--cream); }

.section-navy {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
}

.section-title {
  margin-bottom: 2.4rem;
}

.section-title .eyebrow {
  color: var(--gold);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-size: 0.75rem;
  font-weight: 600;
}

.section-navy .section-title .eyebrow { color: var(--gold-light); }

.section-title h2 {
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  margin-top: 0.3rem;
}

/* Cards */
.service-card,
.info-card,
.testimonial-card {
  background: var(--white);
  border: 0;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.service-card:hover,
.info-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(8, 22, 40, 0.16);
}

.service-card {
  overflow: hidden;
}

.service-card .card-photo {
  height: 170px;
  overflow: hidden;
}

.service-card .card-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.35s ease;
}

.service-card:hover .card-photo img {
  transform: scale(1.05);
}

.service-card .icon-wrap {
  width: 62px;
  height: 62px;
  border-radius: 16px;
  background: rgba(201, 162, 39, 0.14);
  color: var(--gold-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1rem;
}

.service-card h4 {
  font-size: 1.25rem;
  color: var(--navy);
}

.gold-line {
  width: 52px;
  height: 3px;
  background: var(--gold);
  border-radius: 99px;
  margin: 0.7rem 0 1rem;
}

.values-list li {
  padding: 0.35rem 0;
}

.values-list i { color: var(--gold); }

.about-photo {
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 6px solid var(--white);
}

.about-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 340px;
}

/* EMI */
.emi-box {
  background: var(--white);
  color: var(--text);
  border-radius: 18px;
  padding: 1.8rem;
  box-shadow: var(--shadow);
}

.emi-result {
  background: var(--navy);
  color: var(--white);
  border-radius: 12px;
  padding: 1.1rem;
}

.emi-result strong {
  color: var(--gold-light);
  font-size: 1.5rem;
  display: block;
}

.form-control, .form-select {
  border-radius: 10px;
  padding: 0.7rem 0.9rem;
  border-color: #d7dbe3;
}

.form-control:focus, .form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 0.2rem rgba(201, 162, 39, 0.18);
}

/* Why us */
.why-item {
  display: flex;
  gap: 14px;
  margin-bottom: 1.2rem;
}

.why-item .num {
  min-width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Testimonials */
.testimonial-card { padding: 1.6rem; }

.testimonial-card .quote {
  color: var(--gold);
  font-size: 1.6rem;
}

/* Page hero */
.page-hero {
  background:
    linear-gradient(100deg, rgba(8, 22, 40, 0.9), rgba(13, 35, 71, 0.75)),
    url("../images/office.jpg") center 25% / cover no-repeat;
  color: var(--white);
  padding: 72px 0 56px;
}

.page-hero h1 { margin-bottom: 0.4rem; }

.breadcrumb {
  background: transparent;
  padding: 0;
  margin: 0;
}

.breadcrumb-item, .breadcrumb-item a, .breadcrumb-item.active {
  color: var(--gold-pale);
  font-size: 0.85rem;
}

.breadcrumb-item + .breadcrumb-item::before { color: #9aa6b8; }

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: #c5cddb;
  padding-top: 56px;
}

.footer-cta {
  background: linear-gradient(90deg, var(--navy) 0%, #163a6b 55%, var(--navy-deep) 100%);
  border-top: 3px solid var(--gold);
  padding: 28px 0;
}

.footer-cta h3 {
  color: var(--white);
  margin: 0 0 0.25rem;
}

.footer-cta p { color: #c5cddb; margin: 0; }

.site-footer .top-social a {
  border-color: rgba(232, 197, 71, 0.45);
}

.site-footer h5, .site-footer h6 {
  color: var(--white);
  margin-bottom: 1rem;
}

.site-footer a { color: #c5cddb; }
.site-footer a:hover { color: var(--gold-light); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  margin-top: 36px;
  padding: 16px 0;
  font-size: 0.85rem;
}

.stat-box {
  text-align: center;
  padding: 1.2rem 0.5rem;
}

.stat-box .num {
  font-family: "Playfair Display", serif;
  font-size: 2rem;
  color: var(--gold-light);
  display: block;
}

.apply-panel {
  background: var(--white);
  border-radius: 18px;
  box-shadow: var(--shadow);
  padding: 2rem;
}

.contact-tile {
  background: var(--white);
  border-radius: 14px;
  padding: 1.3rem;
  height: 100%;
  box-shadow: var(--shadow);
}

.contact-tile i {
  color: var(--gold-dark);
  font-size: 1.4rem;
}

.contact-email-bar {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--navy);
  color: var(--white);
  border-radius: 14px;
  padding: 1rem 1.25rem;
}

.contact-email-bar i {
  font-size: 1.4rem;
  color: var(--gold-light);
}

.contact-email-bar span {
  display: block;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #b8c2d4;
}

.contact-email-bar a {
  color: var(--gold-light);
  font-weight: 600;
  font-size: 1.05rem;
  word-break: break-all;
}

.contact-email-bar a:hover { color: var(--gold-pale); }

.alert-success-soft {
  background: #eef7ee;
  border: 1px solid #b7dfb8;
  color: #215c24;
  border-radius: 10px;
}

@media (max-width: 991.98px) {
  .main-nav .nav-link::after { display: none; }
  .main-nav .navbar-collapse {
    background: #ffffff;
    margin-top: 10px;
    border-radius: 12px;
    padding: 10px 8px 16px;
    border: 1px solid #ece6d4;
  }
  .hero { min-height: 520px; padding: 90px 0 70px; }
  .feature-strip { margin-top: 0; border-radius: 0; }
  .banner-apply { font-size: 0.72rem; padding: 0.45rem 0.7rem; top: 6%; right: 3%; }
  .banner-hotspots { top: 44%; height: 34%; }
  .section { padding: 56px 0; }
}

@media (max-width: 575.98px) {
  .brand-text strong { font-size: 0.95rem; }
  .brand-mark { width: 48px; height: 36px; }
  .brand-logo { height: 56px; max-width: 200px; padding: 0; }
  .hero h1 { font-size: 1.85rem; }
  .top-bar { font-size: 0.72rem; }
  .top-bar .container > div:first-child { display: none; }
}

/* Loan detail pages */
.loan-side-nav a {
  display: block;
  padding: 12px 16px;
  background: var(--white);
  border-radius: 10px;
  margin-bottom: 8px;
  color: var(--navy);
  font-weight: 500;
  border-left: 3px solid transparent;
  box-shadow: 0 4px 14px rgba(8, 22, 40, 0.06);
}

.loan-side-nav a:hover,
.loan-side-nav a.active {
  border-left-color: var(--gold);
  color: var(--navy-deep);
  background: var(--gold-pale);
}

.help-card {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
  border-radius: 16px;
  padding: 1.5rem;
}

.help-card a { color: var(--gold-light); }

.why-grid .why-box {
  background: var(--cream);
  border-radius: 12px;
  padding: 1.2rem;
  height: 100%;
}

.why-box i { color: var(--gold-dark); font-size: 1.4rem; }

.step-card {
  text-align: center;
  padding: 1.3rem 1rem;
  background: var(--white);
  border-radius: 14px;
  box-shadow: var(--shadow);
  height: 100%;
}

.step-card .step-num {
  width: 42px;
  height: 42px;
  margin: 0 auto 0.7rem;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.emi-stat {
  background: var(--cream);
  border-radius: 12px;
  padding: 0.9rem;
  text-align: center;
  height: 100%;
}

.emi-stat strong {
  display: block;
  color: var(--navy);
  font-size: 1.15rem;
}

.emi-side {
  margin-top: 0;
  margin-bottom: 1.25rem;
  padding: 1.15rem 1.1rem 1.25rem;
}

.emi-side h5 {
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 0.35rem;
}

.emi-side .emi-note {
  font-size: 0.78rem;
  color: var(--muted);
  margin-bottom: 0.85rem;
}

.emi-side .form-label {
  font-size: 0.78rem;
  margin-bottom: 0.2rem;
}

.emi-side .form-control {
  padding: 0.45rem 0.65rem;
  font-size: 0.88rem;
}

.emi-side .form-range {
  margin-top: 0.35rem !important;
}

.emi-side .emi-stat {
  padding: 0.65rem 0.4rem;
}

.emi-side .emi-stat strong {
  font-size: 0.95rem;
}

.accordion-button:not(.collapsed) {
  background: rgba(201, 162, 39, 0.12);
  color: var(--navy);
  box-shadow: none;
}

.accordion-button:focus {
  box-shadow: 0 0 0 0.15rem rgba(201, 162, 39, 0.25);
}

/* Apply page */
.apply-layout .apply-panel {
  padding: 2rem 2rem 2.2rem;
}

.apply-step {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-weight: 600;
  margin-bottom: 0.35rem;
}

.apply-field {
  position: relative;
}

.apply-field i.field-icon {
  position: absolute;
  left: 14px;
  top: 42px;
  color: var(--gold-dark);
  pointer-events: none;
}

.apply-field .form-control,
.apply-field .form-select {
  padding-left: 2.4rem;
}

.loan-side-card {
  background: var(--white);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow);
  height: auto;
}

.loan-side-card img {
  width: 100%;
  height: 168px;
  object-fit: cover;
  display: block;
}

.loan-side-body {
  padding: 1.25rem 1.3rem 1.4rem;
}

.loan-side-body h3 {
  font-size: 1.35rem;
  color: var(--navy);
  margin: 0.45rem 0 0.4rem;
}

.loan-blurb {
  color: var(--muted);
  font-size: 0.86rem;
  line-height: 1.5;
  margin-bottom: 0.85rem;
}

.loan-points,
.loan-docs {
  list-style: none;
  padding: 0;
  margin: 0;
}

.loan-points li,
.loan-docs li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.84rem;
  color: var(--text);
  padding: 0.28rem 0;
}

.loan-points i {
  color: var(--gold);
  margin-top: 2px;
}

.loan-docs li::before {
  content: "•";
  color: var(--gold);
  font-weight: 700;
}

.loan-side-block {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid #eee6d2;
}

.loan-side-block h6 {
  font-family: "Poppins", sans-serif;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.65rem;
}

.loan-chip {
  display: inline-block;
  background: rgba(201, 162, 39, 0.16);
  color: var(--navy);
  border-radius: 999px;
  padding: 4px 12px;
  font-size: 0.75rem;
  font-weight: 600;
}

.loan-pick-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}

.loan-pick {
  display: block;
  text-align: center;
  padding: 8px 6px;
  border-radius: 8px;
  color: var(--navy);
  background: #fff;
  border: 1px solid #e4d9b4;
  font-weight: 500;
  font-size: 0.8rem;
  margin: 0;
}

.loan-pick.active,
.loan-pick:hover {
  background: var(--navy);
  color: var(--gold-light);
  border-color: var(--navy);
}

@media (max-width: 575.98px) {
  .apply-layout .apply-panel { padding: 1.3rem; }
}

.wa-float {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 1050;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25d366;
  color: #fff !important;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.85rem;
  box-shadow: 0 8px 22px rgba(37, 211, 102, 0.45);
}

.wa-float:hover {
  background: #1ebe5d;
  color: #fff !important;
  transform: scale(1.06);
}

.wa-float span {
  position: absolute;
  right: 68px;
  background: #0d2347;
  color: #fff;
  font-size: 0.78rem;
  font-weight: 600;
  white-space: nowrap;
  padding: 7px 12px;
  border-radius: 8px;
  line-height: 1.2;
}

.wa-float span small {
  display: block;
  font-weight: 400;
  opacity: 0.8;
  font-size: 0.7rem;
}

@media (max-width: 575.98px) {
  .wa-float span { display: none; }
}