@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;900&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
    --navy: #0A1628;
    --navy-mid: #122040;
    --navy-light: #1A3060;
    --gold: #C9A84C;
    --gold-light: #E8C97A;
    --gold-pale: #F5E6C0;
    --cream: #FAF7F0;
    --white: #FFFFFF;
    --gray-100: #F4F6FA;
    --gray-300: #C8D0DC;
    --gray-500: #7A8AA0;
    --gray-700: #3D4E63;
    --text-dark: #0A1628;
    --text-mid: #3D4E63;
    --text-light: #7A8AA0;
    --danger: #D64545;
    --success: #2E8B57;
    --radius: 12px;
    --radius-sm: 6px;
    --shadow-sm: 0 2px 12px rgba(10,22,40,0.08);
    --shadow-md: 0 8px 32px rgba(10,22,40,0.14);
    --shadow-lg: 0 20px 60px rgba(10,22,40,0.20);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'DM Sans', sans-serif;
    background: var(--white);
    color: var(--text-dark);
    line-height: 1.65;
    overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
    font-family: 'Playfair Display', serif;
    line-height: 1.25;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

img {
    max-width: 100%;
    display: block;
}

button {
    cursor: pointer;
    font-family: 'DM Sans', sans-serif;
    border: none;
    outline: none;
}

/* ── UTILITIES ────────────────────────────────────── */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

.section-pad {
    padding: 90px 0;
}

.gold-line {
    width: 60px;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    border-radius: 2px;
    margin: 16px 0 24px;
}

    .gold-line.center {
        margin: 16px auto 24px;
    }

.section-label {
    font-family: 'DM Sans', sans-serif;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--gold);
}

.section-title {
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 700;
    color: var(--navy);
}

    .section-title.light {
        color: var(--white);
    }

.section-sub {
    font-size: 16px;
    color: var(--text-mid);
    max-width: 560px;
}

.text-center {
    text-align: center;
}

    .text-center .section-sub {
        margin: 0 auto;
    }

/* ── BUTTONS ──────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 28px;
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.5px;
    transition: var(--transition);
    white-space: nowrap;
}

.btn-gold {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    box-shadow: 0 4px 16px rgba(201,168,76,0.35);
}

    .btn-gold:hover {
        background: linear-gradient(135deg, var(--gold-light), var(--gold));
        transform: translateY(-2px);
        box-shadow: 0 8px 24px rgba(201,168,76,0.45);
    }

.btn-outline {
    background: transparent;
    border: 2px solid var(--gold);
    color: var(--gold);
}

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

.btn-outline-white {
    background: transparent;
    border: 2px solid rgba(255,255,255,0.6);
    color: var(--white);
}

    .btn-outline-white:hover {
        background: var(--white);
        color: var(--navy);
    }

.btn-navy {
    background: var(--navy);
    color: var(--white);
    box-shadow: var(--shadow-sm);
}

    .btn-navy:hover {
        background: var(--navy-light);
        transform: translateY(-2px);
    }

.btn-lg {
    padding: 15px 36px;
    font-size: 15px;
}

.btn-sm {
    padding: 8px 20px;
    font-size: 13px;
}

/* ── NAVBAR ───────────────────────────────────────── */
#navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    transition: var(--transition);
    padding: 0;
}

    #navbar.scrolled {
        background: var(--navy);
        box-shadow: 0 2px 30px rgba(10,22,40,0.3);
    }

    #navbar:not(.scrolled) {
        background: transparent;
    }

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.nav-logo-img {
    height: 150px;
    width: auto;
    display: block;
}

/* Shared logo crop helper — trims the large transparent canvas on MS.png.
   Image is 5391×5026 but content sits at bbox 671,2024 → 4034×985px (≈40% top/bottom padding).
   clip-path hides the dead transparent space; negative margins collapse the layout gap. */
.logo-img-cropped {
    display: block;
    height: auto;
    clip-path: inset(40.3% 12.7% 40.1% 12.4%);
}

    /* Navbar (public site) — ~44px tall rendered logo content */
    .logo-img-cropped.logo-navbar {
        width: 219px;
        margin-top: -82px;
        margin-bottom: -82px;
    }

    /* Sidebar (dashboard & admin) — ~50px tall rendered logo content */
    .logo-img-cropped.logo-sidebar {
        width: 274px;
        margin-top: -103px;
        margin-bottom: -103px;
    }

    /* Auth pages (login / register sidebar) — ~60px tall, prominent branding */
    .logo-img-cropped.logo-auth {
        width: 328px;
        margin-top: -123px;
        margin-bottom: -90px; /* -123px + 33px breathing room before h2 */
    }

.footer-logo-img {
    width: 219px;
    margin-top: -82px;
    margin-bottom: -50px; /* -82px + 32px breathing room before paragraph */
}

.nav-logo-icon {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 20px;
    font-weight: 900;
    color: var(--navy);
}

.nav-logo-text {
    line-height: 1.15;
}

    .nav-logo-text .brand {
        font-family: 'Playfair Display', serif;
        font-size: 17px;
        font-weight: 700;
        color: var(--white);
    }

    .nav-logo-text .tagline {
        font-size: 10px;
        font-weight: 500;
        letter-spacing: 2px;
        text-transform: uppercase;
        color: var(--gold);
    }

.nav-links {
    display: flex;
    align-items: center;
    gap: 6px;
    list-style: none;
}

    .nav-links a {
        font-size: 14px;
        font-weight: 500;
        color: rgba(255,255,255,0.85);
        padding: 8px 14px;
        border-radius: var(--radius-sm);
        transition: var(--transition);
    }

        .nav-links a:hover {
            color: var(--gold);
            background: rgba(255,255,255,0.06);
        }

.nav-actions {
    display: flex;
    align-items: center;
    gap: 10px;
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    padding: 8px;
}

    .hamburger span {
        display: block;
        width: 24px;
        height: 2px;
        background: var(--white);
        border-radius: 2px;
        transition: var(--transition);
    }

/* ── HERO / CAROUSEL ──────────────────────────────── */
.hero {
    position: relative;
    overflow: hidden;
    height: 100vh;
    min-height: 620px;
}

.hero-slides {
    display: flex;
    height: 100%;
    transition: transform 0.7s cubic-bezier(0.77,0,0.175,1);
}

.hero-slide {
    flex: 0 0 100%;
    height: 100%;
    position: relative;
    display: flex;
    align-items: center;
}

.hero-slide-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
}

    .hero-slide-bg::after {
        content: '';
        position: absolute;
        inset: 0;
        background: linear-gradient(105deg, rgba(10,22,40,0.85) 0%, rgba(10,22,40,0.5) 60%, transparent 100%);
    }

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 620px;
}

    .hero-content .badge {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        background: rgba(201,168,76,0.15);
        border: 1px solid rgba(201,168,76,0.4);
        color: var(--gold-light);
        font-size: 12px;
        font-weight: 600;
        letter-spacing: 2px;
        text-transform: uppercase;
        padding: 6px 16px;
        border-radius: 50px;
        margin-bottom: 24px;
    }

    .hero-content h1 {
        font-size: clamp(36px, 5.5vw, 64px);
        font-weight: 900;
        color: var(--white);
        line-height: 1.1;
        margin-bottom: 20px;
    }

        .hero-content h1 span {
            color: var(--gold-light);
        }

    .hero-content p {
        font-size: 17px;
        color: rgba(255,255,255,0.8);
        margin-bottom: 36px;
        line-height: 1.7;
    }

.hero-btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

.hero-nav {
    position: absolute;
    bottom: 48px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 10;
    display: flex;
    align-items: center;
    gap: 20px;
}

.hero-dots {
    display: flex;
    gap: 8px;
}

.hero-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255,255,255,0.4);
    border: none;
    transition: var(--transition);
    padding: 0;
    cursor: pointer;
}

    .hero-dot.active {
        width: 28px;
        border-radius: 4px;
        background: var(--gold);
    }

.hero-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    z-index: 10;
    width: 52px;
    height: 52px;
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 50%;
    color: var(--white);
    font-size: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

    .hero-arrow:hover {
        background: var(--gold);
        border-color: var(--gold);
        color: var(--navy);
    }

    .hero-arrow.prev {
        left: 28px;
    }

    .hero-arrow.next {
        right: 28px;
    }

/* ── STATS BAR ────────────────────────────────────── */
.stats-bar {
    background: var(--navy);
    padding: 28px 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 0;
    divide-x: 1px solid rgba(255,255,255,0.1);
}

.stat-item {
    text-align: center;
    padding: 8px 24px;
    border-right: 1px solid rgba(255,255,255,0.1);
}

    .stat-item:last-child {
        border-right: none;
    }

.stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    font-weight: 700;
    color: var(--gold);
}

.stat-label {
    font-size: 13px;
    color: rgba(255,255,255,0.65);
    font-weight: 500;
    margin-top: 2px;
}

/* ── SERVICES SECTION ─────────────────────────────── */
.services-section {
    background: var(--cream);
}

.service-tabs {
    display: flex;
    gap: 0;
    overflow-x: auto;
    scrollbar-width: none;
    border-bottom: 2px solid var(--gray-300);
    margin-bottom: 40px;
}

    .service-tabs::-webkit-scrollbar {
        display: none;
    }

.service-tab {
    flex: 0 0 auto;
    padding: 14px 28px;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-light);
    background: none;
    border-bottom: 3px solid transparent;
    margin-bottom: -2px;
    transition: var(--transition);
    white-space: nowrap;
}

    .service-tab.active, .service-tab:hover {
        color: var(--navy);
        border-bottom-color: var(--gold);
    }

.service-cards-wrap {
    position: relative;
    overflow: hidden;
}

.service-cards-track {
    display: flex;
    gap: 24px;
    transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
}

.service-card {
    flex: 0 0 calc(25% - 18px);
    border-radius: var(--radius);
    overflow: hidden;
    position: relative;
    aspect-ratio: 3/4;
    box-shadow: var(--shadow-md);
}

.service-card-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transition: transform 0.5s ease;
}

.service-card:hover .service-card-bg {
    transform: scale(1.07);
}

.service-card::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(0deg, rgba(10,22,40,0.92) 0%, rgba(10,22,40,0.3) 60%, transparent 100%);
}

.service-card-body {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 2;
    padding: 24px 20px;
    color: var(--white);
}

.service-card-title {
    font-family: 'Playfair Display', serif;
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 10px;
}

.service-card-btns {
    display: flex;
    gap: 8px;
}

    .service-card-btns .btn {
        padding: 7px 16px;
        font-size: 12px;
    }

.slider-arrows {
    display: flex;
    gap: 10px;
    justify-content: flex-end;
    margin-bottom: 16px;
}

.slider-arrow {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--white);
    border: 2px solid var(--gray-300);
    color: var(--navy);
    font-size: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

    .slider-arrow:hover {
        background: var(--gold);
        border-color: var(--gold);
        color: var(--navy);
    }

/* ───────────APPLY NOW MODAL ─────────────────────────────── */
.apply-overlay {
    position: fixed;
    inset: 0;
    z-index: 9999;
    background: rgba(10,22,40,0.72);
    backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.28s ease, visibility 0.28s ease;
}

    .apply-overlay.open {
        opacity: 1;
        visibility: visible;
    }

.apply-modal {
    background: #fff;
    border-radius: 20px;
    padding: 40px 36px 32px;
    width: 100%;
    max-width: 420px;
    position: relative;
    box-shadow: 0 40px 100px rgba(10,22,40,0.4);
    transform: translateY(28px) scale(0.96);
    transition: transform 0.38s cubic-bezier(0.34,1.56,0.64,1);
}

.apply-overlay.open .apply-modal {
    transform: translateY(0) scale(1);
}

.apply-modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--gray-100);
    color: var(--text-mid);
    font-size: 13px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.2s;
}

    .apply-modal-close:hover {
        background: #D64545;
        color: #fff;
    }

.apply-modal-icon {
    width: 60px;
    height: 60px;
    border-radius: 14px;
    background: linear-gradient(135deg,rgba(201,168,76,0.14),rgba(232,201,122,0.08));
    border: 1px solid rgba(201,168,76,0.3);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
}

.apply-modal h2 {
    font-size: 22px;
    color: var(--navy);
    margin-bottom: 6px;
}

    .apply-modal h2 span {
        color: var(--gold);
    }

.apply-modal .sub {
    font-size: 13px;
    color: var(--text-light);
    line-height: 1.6;
    margin-bottom: 26px;
}

.apply-options {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.apply-opt {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 15px 16px;
    border-radius: 12px;
    border: 1.5px solid var(--gray-300);
    text-decoration: none;
    color: inherit;
    transition: all 0.25s ease;
    position: relative;
    overflow: hidden;
}

    .apply-opt::before {
        content: '';
        position: absolute;
        inset: 0;
        opacity: 0;
        transition: opacity 0.25s ease;
        border-radius: 10px;
    }

    .apply-opt:hover {
        transform: translateY(-2px);
        box-shadow: 0 8px 28px rgba(10,22,40,0.14);
    }

        .apply-opt:hover::before {
            opacity: 1;
        }
/* Call */
.apply-opt-call {
    border-color: rgba(10,22,40,0.18);
}

    .apply-opt-call::before {
        background: linear-gradient(135deg, var(--navy), #1a3060);
    }

    .apply-opt-call:hover {
        border-color: var(--navy);
    }

        .apply-opt-call:hover .opt-icon {
            background: rgba(255,255,255,0.15);
            color: #fff;
        }

        .apply-opt-call:hover .opt-label {
            color: #fff;
        }

        .apply-opt-call:hover .opt-detail {
            color: rgba(255,255,255,0.7);
        }

        .apply-opt-call:hover .opt-arrow {
            color: #fff;
            transform: translateX(4px);
        }

/* WhatsApp */
.apply-opt-wa {
    border-color: rgba(37,211,102,0.3);
}

    .apply-opt-wa::before {
        background: linear-gradient(135deg,#25D366,#128C7E);
    }

    .apply-opt-wa:hover {
        border-color: #25D366;
    }

        .apply-opt-wa:hover .opt-icon {
            background: rgba(255,255,255,0.15);
            color: #fff;
        }

        .apply-opt-wa:hover .opt-label {
            color: #fff;
        }

        .apply-opt-wa:hover .opt-detail {
            color: rgba(255,255,255,0.7);
        }

        .apply-opt-wa:hover .opt-arrow {
            color: #fff;
            transform: translateX(4px);
        }

.opt-icon {
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background: var(--gray-100);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
    transition: all 0.25s;
}

.apply-opt-call .opt-icon {
    color: var(--navy);
}

.apply-opt-wa .opt-icon {
    color: #25D366;
}

.opt-body {
    flex: 1;
    position: relative;
    z-index: 1;
}

.opt-label {
    display: block;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    transition: color 0.25s;
}

.opt-detail {
    display: block;
    font-size: 12px;
    color: var(--text-light);
    margin-top: 2px;
    transition: color 0.25s;
}

.opt-arrow {
    color: var(--text-light);
    position: relative;
    z-index: 1;
    transition: all 0.25s;
    flex-shrink: 0;
}

.apply-note {
    text-align: center;
    font-size: 12px;
    color: var(--text-light);
    margin-top: 18px;
}
/* ── OFFERS CAROUSEL ──────────────────────────────── */
.offers-section {
    background: var(--navy);
}

.offers-slide {
    display: none;
    flex-direction: row;
    align-items: center;
    gap: 60px;
}

    .offers-slide.active {
        display: flex;
    }

.offers-img {
    flex: 0 0 420px;
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

    .offers-img img {
        width: 100%;
        height: 320px;
        object-fit: cover;
    }

.offers-content {
    flex: 1;
}

    .offers-content .section-label {
        color: var(--gold);
    }

    .offers-content h2 {
        color: var(--white);
        font-size: 36px;
        margin-bottom: 16px;
    }

    .offers-content p {
        color: rgba(255,255,255,0.72);
        margin-bottom: 28px;
        font-size: 15px;
        line-height: 1.8;
    }

.offers-nav-dots {
    display: flex;
    gap: 8px;
    margin-top: 28px;
}

.offers-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255,255,255,0.3);
    border: none;
    cursor: pointer;
    transition: var(--transition);
    padding: 0;
}

    .offers-dot.active {
        background: var(--gold);
        width: 24px;
        border-radius: 4px;
    }

/* ── ABOUT SECTION ────────────────────────────────── */
.about-section {
    background: var(--white);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-img-wrap {
    position: relative;
}

.about-img {
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

    .about-img img {
        width: 100%;
        height: 480px;
        object-fit: cover;
    }

.about-badge {
    position: absolute;
    bottom: -24px;
    right: -24px;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-md);
    color: var(--navy);
    animation: badgeBounce2s ease-in-out infinite;
    transition: all 0.4s ease;
}

    .about-badge:hover {
        background: var(--navy);
        color: var(--gold);
        transform: translateY(-10px) scale(1.05);
    }

@keyframes badgeBounce {
    0%, 100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-10px);
    }
}

.about-badge .years {
    font-family: 'Playfair Display', serif;
    font-size: 36px;
    font-weight: 900;
    line-height: 1;
}

.about-badge .yrs-label {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.about-text .section-label {
    margin-bottom: 8px;
}

.about-list {
    list-style: none;
    margin: 20px 0 30px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

    .about-list li {
        display: flex;
        align-items: flex-start;
        gap: 12px;
        font-size: 15px;
        color: var(--text-mid);
    }

        .about-list li::before {
            content: '✦';
            color: var(--gold);
            flex-shrink: 0;
            margin-top: 2px;
            font-size: 12px;
        }

/* ── NOTICES SECTION ──────────────────────────────── */
.notices-section {
    background: var(--gray-100);
}

.notices-wrap {
    position: relative;
    overflow: hidden;
    border-radius: var(--radius);
}

.notices-track {
    display: flex;
    transition: transform 0.6s ease;
}

.notice-card {
    flex: 0 0 100%;
    padding: 48px 60px;
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-md);
}

.notice-badge {
    display: inline-block;
    padding: 4px 14px;
    border-radius: 50px;
    background: rgba(201,168,76,0.12);
    color: var(--gold);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.notice-card h3 {
    font-size: 26px;
    color: var(--navy);
    margin-bottom: 12px;
}

.notice-card p {
    color: var(--text-mid);
    line-height: 1.8;
    font-size: 15px;
    margin-bottom: 20px;
}

.notice-meta {
    font-size: 13px;
    color: var(--text-light);
    display: flex;
    gap: 20px;
}

.notices-ctrl {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-top: 28px;
    justify-content: center;
}

/* ── APP DOWNLOAD SECTION ─────────────────────────── */
.app-section {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    position: relative;
    overflow: hidden;
}

    .app-section::before {
        content: '';
        position: absolute;
        width: 500px;
        height: 500px;
        border-radius: 50%;
        background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
        top: -100px;
        right: -100px;
    }

.app-grid {
    display: grid;
    grid-template-columns: 1fr 480px;
    gap: 60px;
    align-items: center;
}

.app-content .section-label {
    color: var(--gold);
}

.app-content h2 {
    color: var(--white);
    font-size: 38px;
    margin-bottom: 16px;
}

.app-content p {
    color: rgba(255,255,255,0.72);
    margin-bottom: 36px;
    font-size: 15px;
    line-height: 1.8;
}

.app-stores {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.store-btn {
    display: flex;
    align-items: center;
    gap: 12px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.2);
    padding: 12px 24px;
    border-radius: var(--radius-sm);
    color: var(--white);
    transition: var(--transition);
    backdrop-filter: blur(10px);
}

    .store-btn:hover {
        background: var(--gold);
        border-color: var(--gold);
        color: var(--navy);
    }

    .store-btn img {
        width: 28px;
    }

.store-btn-text .small {
    font-size: 11px;
    opacity: 0.8;
}

.store-btn-text .big {
    font-size: 16px;
    font-weight: 700;
}

.app-img-wrap {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    padding: 20px 0;
}

.app-phone {
    position: relative;
    width: 220px;
    border-radius: 30px;
    overflow: hidden;
    box-shadow: 0 30px 80px rgba(0,0,0,0.5);
}

    .app-phone img {
        width: 100%;
    }

.phone-qr {
    position: absolute;
    top: 50%;
    left: 54%;
    transform: translate(-50%,-50%);
    width: 92px;
    height: 107px;
    background: white;
    padding: 10px;
    border-radius: 12px;
}

    .phone-qr img {
        width: 100%;
        height: 100%;
    }

.scan-text {
    font-size: 32px;
    font-weight: 800;
    color: var(--gold);
    text-align: center;
    display: flex;
    flex-direction: column;
    animation: scanBounce 2s infinite;
}

@keyframes scanBounce {
    0%,100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-15px);
    }
}
/* ── BLOGS SECTION ────────────────────────────────── */
.blogs-section {
    background: var(--cream);
}

.blog-slider-wrap {
    position: relative;
    overflow: hidden;
}

.blog-track {
    display: flex;
    gap: 28px;
    transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
}

.blog-card {
    flex: 0 0 calc(33.333% - 19px);
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

    .blog-card:hover {
        box-shadow: var(--shadow-md);
        transform: translateY(-4px);
    }

.blog-card-img {
    height: 200px;
    overflow: hidden;
}

    .blog-card-img img {
        width: 100%;
        height: 100%;
        object-fit: cover;
        transition: transform 0.4s ease;
    }

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

.blog-card-body {
    padding: 24px;
}

.blog-tag {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
}

.blog-card-body h4 {
    font-size: 18px;
    color: var(--navy);
    margin-bottom: 10px;
    line-height: 1.35;
}

.blog-card-body p {
    font-size: 14px;
    color: var(--text-mid);
    line-height: 1.7;
    margin-bottom: 20px;
}

.blog-meta {
    font-size: 12px;
    color: var(--text-light);
    display: flex;
    gap: 14px;
}

/* ── FOOTER ───────────────────────────────────────── */
footer {
    background: var(--navy);
    border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-top {
    padding: 72px 0 48px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
}

.footer-brand .nav-logo-text .brand {
    font-size: 20px;
}

.footer-brand p {
    color: rgba(255,255,255,0.55);
    font-size: 14px;
    line-height: 1.8;
    margin: 16px 0 24px;
}

.footer-social {
    display: flex;
    gap: 10px;
}

.social-btn {
    width: 38px;
    height: 38px;
    border-radius: 8px;
    background: rgba(255,255,255,0.07);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.6);
    font-size: 15px;
    transition: var(--transition);
}

    .social-btn:hover {
        background: var(--gold);
        color: var(--navy);
    }

.footer-col h5 {
    font-family: 'DM Sans', sans-serif;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 20px;
}

.footer-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

    .footer-links a {
        font-size: 14px;
        color: rgba(255,255,255,0.55);
        transition: var(--transition);
    }

        .footer-links a:hover {
            color: var(--gold);
            padding-left: 4px;
        }

.footer-contact-item {
    display: flex;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 14px;
    color: rgba(255,255,255,0.55);
}

    .footer-contact-item svg {
        flex-shrink: 0;
        margin-top: 3px;
        color: var(--gold);
    }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 20px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
}

    .footer-bottom p {
        font-size: 13px;
        color: rgba(255,255,255,0.4);
    }

.rbi-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.3);
    padding: 6px 14px;
    border-radius: 50px;
    font-size: 12px;
    color: var(--gold);
    font-weight: 500;
}

/* ── AUTH PAGES ───────────────────────────────────── */
.auth-page {
    min-height: 100vh;
    display: flex;
    background: var(--cream);
}

.auth-sidebar {
    flex: 0 0 480px;
    background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
    padding: 60px 48px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
}

    .auth-sidebar::before {
        content: '';
        position: absolute;
        width: 400px;
        height: 400px;
        border-radius: 50%;
        background: radial-gradient(circle, rgba(201,168,76,0.1) 0%, transparent 70%);
        bottom: -100px;
        left: -100px;
    }

.auth-sidebar-content {
    position: relative;
    z-index: 1;
}

.auth-sidebar h2 {
    color: var(--white);
    font-size: 32px;
    margin: 32px 0 16px;
}

.auth-sidebar p {
    color: rgba(255,255,255,0.65);
    font-size: 15px;
    line-height: 1.8;
}

.auth-features {
    list-style: none;
    margin-top: 32px;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

    .auth-features li {
        display: flex;
        align-items: center;
        gap: 12px;
        color: rgba(255,255,255,0.8);
        font-size: 14px;
    }

        .auth-features li::before {
            content: '✦';
            color: var(--gold);
            font-size: 12px;
            flex-shrink: 0;
        }

.auth-sidebar-footer {
    position: relative;
    z-index: 1;
}

    .auth-sidebar-footer p {
        color: rgba(255,255,255,0.4);
        font-size: 12px;
    }

.auth-main {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 48px 40px;
}

.auth-card {
    width: 100%;
    max-width: 460px;
}

    .auth-card h1 {
        font-size: 30px;
        color: var(--navy);
        margin-bottom: 6px;
    }

    .auth-card .sub {
        font-size: 15px;
        color: var(--text-light);
        margin-bottom: 36px;
    }

.form-group {
    margin-bottom: 20px;
}

.form-label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-mid);
    margin-bottom: 8px;
    letter-spacing: 0.3px;
}

.form-control {
    width: 100%;
    padding: 13px 16px;
    background: var(--white);
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-family: 'DM Sans', sans-serif;
    color: var(--text-dark);
    transition: var(--transition);
    outline: none;
}

    .form-control:focus {
        border-color: var(--navy);
        box-shadow: 0 0 0 3px rgba(10,22,40,0.08);
    }

    .form-control.error {
        border-color: var(--danger);
    }

.form-error {
    font-size: 12px;
    color: var(--danger);
    margin-top: 5px;
}

.input-wrap {
    position: relative;
}

.input-icon {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-light);
}

.input-wrap .form-control {
    padding-left: 42px;
}

.input-toggle {
    position: absolute;
    right: 14px;
    top: 50%;
    transform: translateY(-50%);
    background: none;
    color: var(--text-light);
    font-size: 16px;
    padding: 0;
}

.otp-inputs {
    display: flex;
    gap: 8px;
    width: 100%;
}

.otp-input {
    flex: 1;
    min-width: 0;
    height: 56px;
    text-align: center;
    font-size: 22px;
    font-weight: 700;
    letter-spacing: 2px;
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    background: var(--white);
    color: var(--navy);
    transition: var(--transition);
    outline: none;
}

    .otp-input:focus {
        border-color: var(--navy);
        box-shadow: 0 0 0 3px rgba(10,22,40,0.08);
    }

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

    .form-check input {
        margin-top: 3px;
        accent-color: var(--navy);
    }

    .form-check label {
        font-size: 14px;
        color: var(--text-mid);
    }

        .form-check label a {
            color: var(--navy);
            text-decoration: underline;
        }

.auth-divider {
    display: flex;
    align-items: center;
    gap: 16px;
    margin: 24px 0;
}

    .auth-divider hr {
        flex: 1;
        border: none;
        border-top: 1px solid var(--gray-300);
    }

    .auth-divider span {
        font-size: 13px;
        color: var(--text-light);
    }

.auth-social-btns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 24px;
}

@media (max-width: 420px) {
    .auth-social-btns {
        grid-template-columns: 1fr;
    }
}

.auth-link {
    text-align: center;
    margin-top: 20px;
    font-size: 14px;
    color: var(--text-light);
}

    .auth-link a {
        color: var(--navy);
        font-weight: 600;
    }

        .auth-link a:hover {
            color: var(--gold);
        }

/* password strength */
.pw-strength {
    margin-top: 8px;
    display: flex;
    gap: 4px;
}

.pw-bar {
    height: 3px;
    flex: 1;
    border-radius: 2px;
    background: var(--gray-300);
    transition: var(--transition);
}

    .pw-bar.filled.weak {
        background: var(--danger);
    }

    .pw-bar.filled.medium {
        background: #F4A016;
    }

    .pw-bar.filled.strong {
        background: var(--success);
    }

.pw-label {
    font-size: 12px;
    margin-top: 5px;
    color: var(--text-light);
}

/* ── RESPONSIVE ───────────────────────────────────── */
@media (max-width: 1024px) {
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }

    .about-grid {
        gap: 48px;
    }

    .app-grid {
        grid-template-columns: 1fr;
    }

    .app-img-wrap {
        justify-content: flex-start;
    }
}

@media (max-width: 768px) {
    .nav-links, .nav-actions .btn:not(.btn-sm) {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .stats-grid {
        grid-template-columns: repeat(2,1fr);
    }

    .about-grid {
        grid-template-columns: 1fr;
    }

    .about-img img {
        height: 300px;
    }

    .about-badge {
        display: none;
    }

    .offers-slide.active {
        flex-direction: column;
    }

    .offers-img {
        flex: 0 0 auto;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .service-card {
        flex: 0 0 calc(50% - 12px);
    }

    .blog-card {
        flex: 0 0 calc(100%);
    }

    .auth-sidebar {
        display: none;
    }

    .auth-main {
        padding: 32px 24px;
    }

    .hero-content h1 {
        font-size: 32px;
    }
}

@media (max-width: 480px) {
    .service-card {
        flex: 0 0 80%;
    }

    .stats-grid {
        grid-template-columns: 1fr 1fr;
    }

    .hero-arrow {
        width: 40px;
        height: 40px;
        font-size: 14px;
    }
}

/* ── MOBILE NAV MENU — defined later in the file ─── */

/* ── SCROLL ANIMATIONS ────────────────────────────── */
.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

    .reveal.visible {
        opacity: 1;
        transform: translateY(0);
    }

/* Page load bar */
#progress-bar {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    z-index: 9999;
    width: 0;
    transition: width 0.2s ease;
}

/* ═══════════════════════════════════════════════════════
   PERSONAL LOAN DETAIL PAGE
═══════════════════════════════════════════════════════ */

/* ── 1. HERO BANNER ─────────────────────────────────── */
.svc-hero {
    position: relative;
    height: 88vh;
    min-height: 560px;
    display: flex;
    align-items: flex-end;
    overflow: hidden;
}

.svc-hero-bg {
    position: absolute;
    inset: 0;
    background-image: url('/images/services/personalloan.jpg');
    background-size: cover;
    background-position: center;
    transform: scale(1.04);
    transition: transform 8s ease;
}

    .svc-hero-bg.zoomed {
        transform: scale(1);
    }

    .svc-hero-bg::after {
        content: '';
        position: absolute;
        inset: 0;
        background: linear-gradient( to top, rgba(10,22,40,0.95) 0%, rgba(10,22,40,0.55) 50%, rgba(10,22,40,0.15) 100% );
    }

.svc-hero-content {
    position: relative;
    z-index: 2;
    padding-bottom: 72px;
    width: 100%;
}

.svc-breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: rgba(255,255,255,0.5);
    margin-bottom: 20px;
}

    .svc-breadcrumb a {
        color: var(--gold);
    }

    .svc-breadcrumb span {
        color: rgba(255,255,255,0.3);
    }

.svc-hero-content h1 {
    color: var(--white);
    font-size: clamp(36px, 5vw, 62px);
    line-height: 1.1;
    margin-bottom: 18px;
}

    .svc-hero-content h1 span {
        color: var(--gold-light);
    }

.svc-hero-content p {
    color: rgba(255,255,255,0.72);
    font-size: 17px;
    max-width: 580px;
    line-height: 1.75;
    margin-bottom: 32px;
}

.svc-hero-pills {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 32px;
}

.svc-pill {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(201,168,76,0.3);
    padding: 8px 18px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 600;
    color: var(--gold-light);
}

    .svc-pill svg {
        flex-shrink: 0;
    }

.svc-hero-btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

/* ── 2. EMI CALCULATOR ──────────────────────────────── */
.emi-section {
    background: var(--gray-100);
    padding: 90px 0;
}

.emi-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.emi-calc-card {
    background: var(--white);
    border-radius: 20px;
    padding: 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-300);
}

.emi-calc-title {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    color: var(--navy);
    margin-bottom: 6px;
}

.emi-calc-sub {
    font-size: 13px;
    color: var(--text-light);
    margin-bottom: 32px;
}

.emi-field {
    margin-bottom: 24px;
}

.emi-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-mid);
    margin-bottom: 10px;
}

.emi-label-val {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    background: var(--gray-100);
    padding: 3px 12px;
    border-radius: 50px;
    min-width: 80px;
    text-align: center;
}

.emi-range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: var(--gray-300);
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}

    .emi-range::-webkit-slider-thumb {
        -webkit-appearance: none;
        width: 20px;
        height: 20px;
        border-radius: 50%;
        background: linear-gradient(135deg, var(--gold), var(--gold-light));
        box-shadow: 0 2px 8px rgba(201,168,76,0.5);
        cursor: pointer;
        border: 2px solid var(--white);
    }

    .emi-range::-moz-range-thumb {
        width: 20px;
        height: 20px;
        border-radius: 50%;
        background: linear-gradient(135deg, var(--gold), var(--gold-light));
        border: 2px solid var(--white);
        cursor: pointer;
    }

.emi-range-limits {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--text-light);
    margin-top: 4px;
}

.emi-results {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin: 28px 0 24px;
    padding: 20px;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 12px;
}

.emi-result-item {
    text-align: center;
}

.emi-result-val {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--gold-light);
    display: block;
}

.emi-result-key {
    font-size: 11px;
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-top: 3px;
    display: block;
}

.emi-result-item.total {
    grid-column: 1 / -1;
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 14px;
    margin-top: 4px;
}

    .emi-result-item.total .emi-result-val {
        font-size: 26px;
        color: var(--white);
    }

.emi-img-wrap {
    position: relative;
}

.emi-img {
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

    .emi-img img {
        width: 100%;
        height: 460px;
        object-fit: cover;
    }

.emi-img-badge {
    position: absolute;
    bottom: -20px;
    right: -20px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    padding: 20px 24px;
    border-radius: 16px;
    box-shadow: var(--shadow-md);
    text-align: center;
}

    .emi-img-badge .big {
        font-family: 'Playfair Display', serif;
        font-size: 28px;
        font-weight: 900;
        display: block;
    }

    .emi-img-badge .small {
        font-size: 11px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 1px;
    }

/* ── 3. ELIGIBILITY ─────────────────────────────────── */
.eligibility-section {
    background: var(--white);
    padding: 90px 0;
}

.two-col-section {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 72px;
    align-items: center;
}

    .two-col-section.reverse {
        direction: rtl;
    }

        .two-col-section.reverse > * {
            direction: ltr;
        }

.section-img-wrap {
    position: relative;
}

.section-img {
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

    .section-img img {
        width: 100%;
        height: 440px;
        object-fit: cover;
    }

.eligibility-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin: 28px 0 32px;
}

    .eligibility-list li {
        display: flex;
        align-items: flex-start;
        gap: 14px;
        padding: 14px 18px;
        background: var(--gray-100);
        border-radius: 10px;
        font-size: 14px;
        color: var(--text-mid);
        border-left: 3px solid var(--gold);
        transition: all 0.25s ease;
    }

        .eligibility-list li:hover {
            background: rgba(201,168,76,0.06);
            transform: translateX(4px);
        }

        .eligibility-list li .eli-icon {
            width: 28px;
            height: 28px;
            flex-shrink: 0;
            background: linear-gradient(135deg, var(--gold), var(--gold-light));
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--navy);
            font-size: 13px;
            font-weight: 700;
        }

/* ── 4. DOCUMENTS ───────────────────────────────────── */
.documents-section {
    background: var(--cream);
    padding: 90px 0;
}

/* ── 5. HOW TO APPLY ────────────────────────────────── */
.steps-section {
    background: var(--navy);
    padding: 90px 0;
    position: relative;
    overflow: hidden;
}

    .steps-section::before {
        content: '';
        position: absolute;
        width: 600px;
        height: 600px;
        border-radius: 50%;
        background: radial-gradient(circle, rgba(201,168,76,0.06) 0%, transparent 70%);
        top: -200px;
        right: -100px;
    }

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 48px;
    position: relative;
    z-index: 1;
}

    .steps-grid::before {
        content: '';
        position: absolute;
        top: 36px;
        left: calc(12.5% + 24px);
        right: calc(12.5% + 24px);
        height: 2px;
        background: linear-gradient(90deg, var(--gold), rgba(201,168,76,0.2));
        z-index: 0;
    }

.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.5s ease;
}

    .step-card.visible {
        opacity: 1;
        transform: translateY(0);
    }

    .step-card:nth-child(1) {
        transition-delay: 0.1s;
    }

    .step-card:nth-child(2) {
        transition-delay: 0.22s;
    }

    .step-card:nth-child(3) {
        transition-delay: 0.34s;
    }

    .step-card:nth-child(4) {
        transition-delay: 0.46s;
    }

.step-num {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    font-weight: 900;
    color: var(--navy);
    box-shadow: 0 8px 24px rgba(201,168,76,0.35);
    position: relative;
    z-index: 2;
}

.step-card h4 {
    color: var(--white);
    font-size: 16px;
    margin-bottom: 10px;
}

.step-card p {
    font-size: 13px;
    color: rgba(255,255,255,0.55);
    line-height: 1.7;
}

/* ── 6. FAQ ─────────────────────────────────────────── */
.faq-section {
    background: var(--white);
    padding: 90px 0;
}

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
    margin-top: 48px;
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.faq-item {
    border-bottom: 1px solid var(--gray-100);
    overflow: hidden;
}

.faq-q {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 0;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    background: none;
    text-align: left;
    gap: 16px;
    transition: color 0.2s;
}

    .faq-q:hover {
        color: var(--gold);
    }

    .faq-q.open {
        color: var(--gold);
    }

.faq-icon {
    width: 28px;
    height: 28px;
    flex-shrink: 0;
    border-radius: 50%;
    background: var(--gray-100);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--navy);
    transition: all 0.3s ease;
    line-height: 1;
}

.faq-q.open .faq-icon {
    background: var(--gold);
    color: var(--navy);
    transform: rotate(45deg);
}

.faq-a {
    font-size: 14px;
    color: var(--text-mid);
    line-height: 1.8;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.3s ease;
    padding-bottom: 0;
}

    .faq-a.open {
        max-height: 300px;
        padding-bottom: 18px;
    }

.faq-cta {
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 20px;
    padding: 40px;
    text-align: center;
    position: sticky;
    top: 90px;
}

    .faq-cta h3 {
        color: var(--white);
        font-size: 24px;
        margin-bottom: 12px;
    }

    .faq-cta p {
        color: rgba(255,255,255,0.65);
        font-size: 14px;
        margin-bottom: 28px;
        line-height: 1.7;
    }

.faq-cta-divider {
    border: none;
    border-top: 1px solid rgba(255,255,255,0.1);
    margin: 24px 0;
}

.faq-contact-row {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px;
    border-radius: 10px;
    background: rgba(255,255,255,0.05);
    margin-bottom: 10px;
    text-decoration: none;
    color: var(--white);
    font-size: 14px;
    font-weight: 500;
    transition: background 0.2s;
}

    .faq-contact-row:hover {
        background: rgba(201,168,76,0.15);
    }

    .faq-contact-row svg {
        flex-shrink: 0;
        color: var(--gold);
    }

/* ── RESPONSIVE ─────────────────────────────────────── */
@media (max-width: 1024px) {
    .emi-grid, .two-col-section, .faq-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

        .two-col-section.reverse {
            direction: ltr;
        }

    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }

        .steps-grid::before {
            display: none;
        }

    .emi-img-badge {
        bottom: 10px;
        right: 10px;
    }

    .faq-cta {
        position: static;
    }
}

@media (max-width: 640px) {
    .steps-grid {
        grid-template-columns: 1fr;
    }

    .svc-hero-pills {
        gap: 8px;
    }

    .emi-results {
        grid-template-columns: 1fr;
    }

    .emi-result-item.total {
        grid-column: 1;
    }
}

/* ═══════════════════════════════════════════════════
   ABOUT US PAGE
═══════════════════════════════════════════════════ */

/* ── 1. HERO ─────────────────────────────────────── */
.about-hero {
    position: relative;
    height: 72vh;
    min-height: 500px;
    display: flex;
    align-items: flex-end;
    overflow: hidden;
}

.about-hero-bg {
    position: absolute;
    inset: 0;
    background-image: url('https://images.unsplash.com/photo-1521737852567-6949f3f9f2b5?w=1600&auto=format&fit=crop');
    background-size: cover;
    background-position: center 30%;
    transform: scale(1.05);
    transition: transform 7s ease;
}

    .about-hero-bg.zoomed {
        transform: scale(1);
    }

    .about-hero-bg::after {
        content: '';
        position: absolute;
        inset: 0;
        background: linear-gradient( 160deg, rgba(10,22,40,0.25) 0%, rgba(10,22,40,0.7) 60%, rgba(10,22,40,0.96) 100% );
    }

.about-hero-content {
    position: relative;
    z-index: 2;
    padding-bottom: 80px;
    width: 100%;
}

.about-breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: rgba(255,255,255,0.45);
    margin-bottom: 24px;
}

    .about-breadcrumb a {
        color: var(--gold);
        text-decoration: none;
    }

.about-hero-content h1 {
    font-size: clamp(38px, 5.5vw, 68px);
    color: var(--white);
    line-height: 1.08;
    margin-bottom: 20px;
    max-width: 700px;
}

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

.about-hero-content p {
    color: rgba(255,255,255,0.65);
    font-size: 17px;
    max-width: 580px;
    line-height: 1.8;
    margin-bottom: 36px;
}

.about-hero-stats {
    display: flex;
    gap: 40px;
    flex-wrap: wrap;
}

.ah-stat {
    text-align: left;
    border-left: 2px solid var(--gold);
    padding-left: 16px;
}

.ah-stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 30px;
    font-weight: 900;
    color: var(--white);
    display: block;
}

.ah-stat-label {
    font-size: 12px;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-top: 2px;
}

/* ── 2. WHO WE ARE ───────────────────────────────── */
.who-section {
    background: var(--white);
    padding: 100px 0;
    overflow: hidden;
}

.who-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.who-img-stack {
    position: relative;
    height: 500px;
}

.who-img-main {
    position: absolute;
    top: 0;
    left: 0;
    width: 78%;
    height: 85%;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

    .who-img-main img {
        width: 100%;
        height: 100%;
        object-fit: cover;
    }

.who-img-accent {
    position: absolute;
    bottom: 0;
    right: 0;
    width: 52%;
    height: 52%;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 5px solid var(--white);
}

    .who-img-accent img {
        width: 100%;
        height: 100%;
        object-fit: cover;
    }

.who-badge {
    position: absolute;
    top: 50%;
    right: -8px;
    transform: translateY(-50%);
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    width: 90px;
    height: 90px;
    border-radius: 50%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    box-shadow: 0 8px 24px rgba(201,168,76,0.45);
    z-index: 3;
    text-align: center;
    border: 3px solid var(--white);
}

    .who-badge .num {
        font-family: 'Playfair Display', serif;
        font-size: 24px;
        line-height: 1;
    }

    .who-badge .lbl {
        font-size: 10px;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-top: 3px;
        line-height: 1.2;
    }

.who-text .section-sub {
    margin-bottom: 0;
}

.who-values {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 32px 0;
}

.who-value-card {
    padding: 18px 20px;
    background: var(--gray-100);
    border-radius: 12px;
    border-left: 3px solid var(--gold);
    transition: all 0.25s ease;
}

    .who-value-card:hover {
        background: rgba(201,168,76,0.06);
        transform: translateY(-3px);
        box-shadow: var(--shadow-md);
    }

    .who-value-card h5 {
        font-size: 14px;
        color: var(--navy);
        margin-bottom: 4px;
    }

    .who-value-card p {
        font-size: 12px;
        color: var(--text-light);
        margin: 0;
    }

/* ── 3. MISSION ──────────────────────────────────── */
.mission-section {
    background: var(--navy);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

    .mission-section::before {
        content: '';
        position: absolute;
        width: 800px;
        height: 800px;
        border-radius: 50%;
        background: radial-gradient(circle, rgba(201,168,76,0.07) 0%, transparent 65%);
        top: -300px;
        right: -200px;
        pointer-events: none;
    }

    .mission-section::after {
        content: '';
        position: absolute;
        width: 500px;
        height: 500px;
        border-radius: 50%;
        background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 65%);
        bottom: -150px;
        left: -100px;
        pointer-events: none;
    }

.mission-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.mission-text h2 {
    color: var(--white);
}

.mission-text .section-sub {
    color: rgba(255,255,255,0.65);
    font-size: 16px;
    line-height: 1.85;
    margin-bottom: 36px;
}

.mission-pillars {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin: 32px 0;
}

.mission-pillar {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 16px 20px;
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 12px;
    transition: all 0.25s ease;
}

    .mission-pillar:hover {
        background: rgba(201,168,76,0.08);
        border-color: rgba(201,168,76,0.2);
        transform: translateX(6px);
    }

.pillar-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 18px;
}

.pillar-text h5 {
    font-size: 14px;
    color: var(--white);
    margin-bottom: 4px;
    font-weight: 600;
}

.pillar-text p {
    font-size: 13px;
    color: rgba(255,255,255,0.5);
    margin: 0;
    line-height: 1.6;
}

.mission-img {
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 30px 80px rgba(0,0,0,0.5);
    position: relative;
}

    .mission-img img {
        width: 100%;
        height: 520px;
        object-fit: cover;
        display: block;
    }

.mission-img-overlay {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    padding: 28px;
    background: linear-gradient(to top, rgba(10,22,40,0.95), transparent);
}

    .mission-img-overlay blockquote {
        font-family: 'Playfair Display', serif;
        font-size: 18px;
        font-style: italic;
        color: var(--gold-light);
        line-height: 1.6;
        margin: 0;
    }

    .mission-img-overlay cite {
        display: block;
        font-size: 12px;
        color: rgba(255,255,255,0.45);
        margin-top: 8px;
        font-style: normal;
        text-transform: uppercase;
        letter-spacing: 1px;
    }

/* ── 4. WHY CHOOSE US ────────────────────────────── */
.why-section {
    background: var(--cream);
    padding: 100px 0;
}

.why-intro {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 64px;
}

.why-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.why-card {
    background: var(--white);
    border-radius: 20px;
    padding: 36px 30px;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: all 0.35s ease;
    border: 1px solid var(--gray-300);
}

    .why-card::before {
        content: '';
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        height: 3px;
        background: linear-gradient(90deg, var(--gold), var(--gold-light));
        transform: scaleX(0);
        transform-origin: left;
        transition: transform 0.35s ease;
    }

    .why-card:hover {
        transform: translateY(-8px);
        box-shadow: var(--shadow-lg);
    }

        .why-card:hover::before {
            transform: scaleX(1);
        }

.why-card-num {
    font-family: 'Playfair Display', serif;
    font-size: 64px;
    font-weight: 900;
    color: rgba(201,168,76,0.1);
    line-height: 1;
    position: absolute;
    top: 20px;
    right: 24px;
    transition: color 0.35s;
}

.why-card:hover .why-card-num {
    color: rgba(201,168,76,0.18);
}

.why-card-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, rgba(201,168,76,0.12), rgba(232,201,122,0.08));
    border: 1px solid rgba(201,168,76,0.25);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    transition: all 0.35s ease;
}

.why-card:hover .why-card-icon {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    border-color: transparent;
}

    .why-card:hover .why-card-icon svg {
        stroke: var(--navy);
    }

.why-card-icon svg {
    stroke: var(--gold);
    transition: stroke 0.35s ease;
}

.why-card h4 {
    font-size: 18px;
    color: var(--navy);
    margin-bottom: 10px;
}

.why-card p {
    font-size: 14px;
    color: var(--text-mid);
    line-height: 1.75;
    margin: 0;
}

/* ── 5. EXPERIENCE / TIMELINE ────────────────────── */
.experience-section {
    background: var(--white);
    padding: 100px 0;
    overflow: hidden;
}

.exp-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.exp-img-wrap {
    position: relative;
}

.exp-img {
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

    .exp-img img {
        width: 100%;
        height: 480px;
        object-fit: cover;
        display: block;
    }

.exp-float-cards {
    position: absolute;
    bottom: -24px;
    left: -24px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.exp-float-card {
    background: var(--navy);
    color: var(--white);
    padding: 14px 20px;
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 200px;
}

    .exp-float-card .efc-icon {
        width: 36px;
        height: 36px;
        background: linear-gradient(135deg, var(--gold), var(--gold-light));
        border-radius: 8px;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 16px;
        flex-shrink: 0;
    }

    .exp-float-card .efc-num {
        font-family: 'Playfair Display', serif;
        font-size: 20px;
        font-weight: 900;
        color: var(--gold-light);
        line-height: 1;
    }

    .exp-float-card .efc-label {
        font-size: 11px;
        color: rgba(255,255,255,0.5);
        text-transform: uppercase;
        letter-spacing: 0.5px;
    }

.timeline {
    display: flex;
    flex-direction: column;
    gap: 0;
    padding-top: 8px;
}

.timeline-item {
    display: flex;
    gap: 24px;
    padding-bottom: 36px;
    position: relative;
}

    .timeline-item:last-child {
        padding-bottom: 0;
    }

.timeline-left {
    display: flex;
    flex-direction: column;
    align-items: center;
    flex-shrink: 0;
    width: 48px;
}

.timeline-dot {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 11px;
    font-weight: 900;
    color: var(--navy);
    box-shadow: 0 4px 16px rgba(201,168,76,0.35);
    flex-shrink: 0;
    z-index: 1;
}

.timeline-line {
    width: 2px;
    flex: 1;
    background: linear-gradient(to bottom, var(--gold), rgba(201,168,76,0.1));
    margin: 4px 0;
    min-height: 24px;
}

.timeline-item:last-child .timeline-line {
    display: none;
}

.timeline-content {
    padding-top: 10px;
}

    .timeline-content h4 {
        font-size: 17px;
        color: var(--navy);
        margin-bottom: 8px;
    }

    .timeline-content p {
        font-size: 14px;
        color: var(--text-mid);
        line-height: 1.75;
        margin: 0;
    }

/* ── 6. BOTTOM CTA ───────────────────────────────── */
.about-cta-section {
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    padding: 80px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

    .about-cta-section::before {
        content: '';
        position: absolute;
        inset: 0;
        background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    }

.about-cta-inner {
    position: relative;
    z-index: 1;
}

.about-cta-section h2 {
    color: var(--white);
    font-size: clamp(28px, 4vw, 48px);
    margin-bottom: 16px;
}

    .about-cta-section h2 span {
        color: var(--gold-light);
    }

.about-cta-section p {
    color: rgba(255,255,255,0.6);
    font-size: 16px;
    max-width: 500px;
    margin: 0 auto 36px;
    line-height: 1.8;
}

.about-cta-btns {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ── RESPONSIVE ─────────────────────────────────── */
@media (max-width: 1024px) {
    .who-grid, .mission-grid, .exp-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .who-img-stack {
        height: 360px;
    }

    .why-cards {
        grid-template-columns: 1fr 1fr;
    }

    .exp-float-cards {
        display: none;
    }
}

@media (max-width: 640px) {
    .why-cards {
        grid-template-columns: 1fr;
    }

    .who-values {
        grid-template-columns: 1fr;
    }

    .about-hero-stats {
        gap: 24px;
    }

    .ah-stat-num {
        font-size: 24px;
    }
}

/* ═══════════════════════════════════════════════════
   Index Page User when Logged In
═══════════════════════════════════════════════════ */

/* ── NAV USER PILL (logged-in state) ─────────────── */
.nav-user-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 5px 14px 5px 5px;
    border-radius: 50px;
    border: 1.5px solid rgba(201,168,76,0.45);
    background: rgba(201,168,76,0.08);
    text-decoration: none;
    transition: all 0.25s ease;
}

    .nav-user-pill:hover {
        border-color: var(--gold);
        background: rgba(201,168,76,0.14);
    }

.nav-user-avatar {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    font-weight: 800;
    color: var(--navy);
    flex-shrink: 0;
}

.nav-user-label {
    font-size: 13px;
    font-weight: 600;
    color: var(--white);
}


/* ═══════════════════════════════════════════════════
   User Console _DashboardLayout Page
═══════════════════════════════════════════════════ */
@media (max-width: 900px) {
    .db-sidebar {
        transform: translateX(-100%);
    }

        .db-sidebar.open {
            transform: translateX(0);
        }

    .db-topbar {
        left: 0;
    }

    .db-main {
        margin-left: 0;
        padding: 24px 16px;
    }

    .db-hamburger {
        display: flex;
    }
}

/* ═══════════════════════════════════════════════════
   User Console Index Page
═══════════════════════════════════════════════════ */

/* ── DASHBOARD PAGE ─────────────────────────────── */
.db-welcome {
    background: linear-gradient(135deg, var(--db-navy), var(--db-navy-light));
    border-radius: 16px;
    padding: 28px 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    margin-bottom: 28px;
    position: relative;
    overflow: hidden;
}

    .db-welcome::before {
        content: '';
        position: absolute;
        width: 300px;
        height: 300px;
        border-radius: 50%;
        background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
        top: -80px;
        right: -60px;
    }

    .db-welcome h2 {
        color: #fff;
        font-size: 22px;
        margin-bottom: 6px;
    }

        .db-welcome h2 span {
            color: var(--db-gold-light);
        }

    .db-welcome p {
        color: rgba(255,255,255,0.55);
        font-size: 14px;
    }

.db-welcome-badge {
    background: rgba(201,168,76,0.15);
    border: 1px solid rgba(201,168,76,0.3);
    border-radius: 10px;
    padding: 12px 20px;
    text-align: center;
    flex-shrink: 0;
}

    .db-welcome-badge .wbig {
        font-family: 'Playfair Display', serif;
        font-size: 26px;
        font-weight: 900;
        color: var(--db-gold-light);
        display: block;
    }

    .db-welcome-badge .wsmall {
        font-size: 11px;
        color: rgba(255,255,255,0.5);
        text-transform: uppercase;
        letter-spacing: 1px;
    }

/* Stats row */
.db-stats-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-bottom: 28px;
}

.db-stat-card {
    background: var(--db-white);
    border-radius: var(--db-radius);
    padding: 22px 20px;
    box-shadow: var(--db-shadow);
    border: 1px solid rgba(10,22,40,0.06);
    display: flex;
    align-items: center;
    gap: 16px;
    transition: var(--db-transition);
}

    .db-stat-card:hover {
        transform: translateY(-3px);
        box-shadow: var(--db-shadow-md);
    }

.db-stat-icon {
    width: 50px;
    height: 50px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

    .db-stat-icon.gold {
        background: rgba(201,168,76,0.12);
        color: var(--db-gold);
    }

    .db-stat-icon.navy {
        background: rgba(10,22,40,0.08);
        color: var(--db-navy);
    }

    .db-stat-icon.green {
        background: rgba(34,160,107,0.12);
        color: var(--db-success);
    }

    .db-stat-icon.red {
        background: rgba(214,69,69,0.10);
        color: var(--db-danger);
    }

.db-stat-val {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    font-weight: 700;
    color: var(--db-navy);
    line-height: 1;
}

.db-stat-label {
    font-size: 12px;
    color: var(--db-text-light);
    margin-top: 4px;
}

.db-stat-change {
    font-size: 11px;
    margin-top: 4px;
    font-weight: 600;
}

    .db-stat-change.up {
        color: var(--db-success);
    }

    .db-stat-change.down {
        color: var(--db-danger);
    }

/* Main content grid */
.db-content-grid {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 20px;
}

/* Card base */
.db-card {
    background: var(--db-white);
    border-radius: var(--db-radius);
    box-shadow: var(--db-shadow);
    border: 1px solid rgba(10,22,40,0.06);
    overflow: hidden;
}

.db-card-header {
    padding: 20px 24px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

.db-card-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--db-navy);
}

.db-card-action {
    font-size: 13px;
    font-weight: 600;
    color: var(--db-gold);
    text-decoration: none;
    transition: color 0.2s;
}

    .db-card-action:hover {
        color: var(--db-navy);
    }

.db-card-body {
    padding: 20px 24px;
}

/* Transaction list */
.txn-list {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.txn-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 0;
    border-bottom: 1px solid rgba(10,22,40,0.04);
}

    .txn-item:last-child {
        border-bottom: none;
    }

.txn-icon {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 18px;
}

    .txn-icon.emi {
        background: rgba(34,160,107,0.1);
    }

    .txn-icon.proc {
        background: rgba(201,168,76,0.1);
    }

    .txn-icon.pen {
        background: rgba(214,69,69,0.08);
    }

.txn-name {
    font-size: 14px;
    font-weight: 600;
    color: var(--db-navy);
}

.txn-date {
    font-size: 12px;
    color: var(--db-text-light);
    margin-top: 2px;
}

.txn-amount {
    margin-left: auto;
    text-align: right;
}

    .txn-amount .amt {
        font-size: 15px;
        font-weight: 700;
    }

        .txn-amount .amt.credit {
            color: var(--db-success);
        }

        .txn-amount .amt.debit {
            color: var(--db-danger);
        }

    .txn-amount .status-pill {
        display: inline-block;
        font-size: 10px;
        font-weight: 700;
        padding: 2px 8px;
        border-radius: 50px;
        margin-top: 3px;
        text-transform: uppercase;
        letter-spacing: 0.5px;
    }

.pill-success {
    background: rgba(34,160,107,0.1);
    color: var(--db-success);
}

.pill-pending {
    background: rgba(230,168,23,0.12);
    color: var(--db-warning);
}

.pill-failed {
    background: rgba(214,69,69,0.1);
    color: var(--db-danger);
}

/* Loan progress card */
.loan-progress-card {
    padding: 18px 0;
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

    .loan-progress-card:last-child {
        border-bottom: none;
        padding-bottom: 0;
    }

.lpc-top {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 10px;
}

.lpc-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--db-navy);
}

.lpc-type {
    font-size: 11px;
    color: var(--db-text-light);
    margin-top: 2px;
}

.lpc-amount {
    font-size: 16px;
    font-weight: 700;
    color: var(--db-navy);
    text-align: right;
}

.lpc-emi {
    font-size: 11px;
    color: var(--db-text-light);
}

.progress-bar-wrap {
    height: 6px;
    background: var(--db-bg);
    border-radius: 3px;
    overflow: hidden;
    margin-bottom: 6px;
}

.progress-bar-fill {
    height: 100%;
    border-radius: 3px;
    background: linear-gradient(90deg, var(--db-gold), var(--db-gold-light));
    transition: width 1s ease;
}

.lpc-meta {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--db-text-light);
}

/* Announcement card */
.announce-item {
    display: flex;
    gap: 14px;
    padding: 14px 0;
    border-bottom: 1px solid rgba(10,22,40,0.04);
}

    .announce-item:last-child {
        border-bottom: none;
    }

.announce-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    margin-top: 5px;
    flex-shrink: 0;
}

.announce-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--db-navy);
    margin-bottom: 4px;
}

.announce-desc {
    font-size: 13px;
    color: var(--db-text-light);
    line-height: 1.6;
}

.announce-date {
    font-size: 11px;
    color: var(--db-text-light);
    margin-top: 6px;
}

/* EMI reminder */
.emi-reminder {
    background: linear-gradient(135deg, rgba(34,160,107,0.08), rgba(34,160,107,0.04));
    border: 1px solid rgba(34,160,107,0.2);
    border-radius: 12px;
    padding: 20px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.emi-reminder-icon {
    width: 48px;
    height: 48px;
    background: rgba(34,160,107,0.12);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--db-success);
}

.emi-reminder h4 {
    font-size: 14px;
    color: var(--db-navy);
    margin-bottom: 4px;
}

.emi-reminder p {
    font-size: 13px;
    color: var(--db-text-light);
}

.emi-reminder .btn-emi {
    margin-left: auto;
    background: var(--db-success);
    color: #fff;
    padding: 9px 18px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 600;
    white-space: nowrap;
    text-decoration: none;
    flex-shrink: 0;
    transition: var(--db-transition);
}

    .emi-reminder .btn-emi:hover {
        background: #1a8a59;
    }

@media (max-width: 1100px) {
    .db-stats-row {
        grid-template-columns: repeat(2, 1fr);
    }

    .db-content-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 600px) {
    .db-stats-row {
        grid-template-columns: 1fr 1fr;
    }

    .db-welcome {
        flex-direction: column;
    }
}

/* ═══════════════════════════════════════════════════
   User Console Settings Page
═══════════════════════════════════════════════════ */

/* ── SETTINGS TABS ──────────────────────────────── */
.settings-tabs {
    display: flex;
    gap: 4px;
    background: var(--db-white);
    border-radius: 12px;
    padding: 5px;
    border: 1px solid rgba(10,22,40,0.08);
    box-shadow: var(--db-shadow);
    margin-bottom: 24px;
    width: fit-content;
}

.settings-tab {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 24px;
    border-radius: 9px;
    font-size: 14px;
    font-weight: 600;
    color: var(--db-text-light);
    cursor: pointer;
    transition: var(--db-transition);
    border: none;
    background: none;
}

    .settings-tab:hover {
        color: var(--db-navy);
    }

    .settings-tab.active {
        background: var(--db-navy);
        color: #fff;
        box-shadow: 0 4px 12px rgba(10,22,40,0.25);
    }

    .settings-tab svg {
        flex-shrink: 0;
    }

/* ── TAB PANELS ─────────────────────────────────── */
.settings-panel {
    display: none;
}

    .settings-panel.active {
        display: block;
    }

/* ── PROFILE CARD ───────────────────────────────── */
.db-card {
    background: var(--db-white);
    border-radius: var(--db-radius);
    box-shadow: var(--db-shadow);
    border: 1px solid rgba(10,22,40,0.06);
    overflow: hidden;
}

.db-card-header {
    padding: 20px 24px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

.db-card-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--db-navy);
}

.db-card-body {
    padding: 28px 32px;
}

/* Avatar upload area */
.avatar-section {
    display: flex;
    align-items: center;
    gap: 28px;
    padding-bottom: 28px;
    border-bottom: 1px solid rgba(10,22,40,0.06);
    margin-bottom: 28px;
}

.avatar-circle {
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--db-gold), var(--db-gold-light));
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 36px;
    font-weight: 900;
    color: var(--db-navy);
    position: relative;
    flex-shrink: 0;
    overflow: hidden;
    border: 3px solid rgba(201,168,76,0.3);
}

    .avatar-circle img {
        width: 100%;
        height: 100%;
        object-fit: cover;
    }

.avatar-upload-btn {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 34px;
    background: rgba(10,22,40,0.75);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 11px;
    font-weight: 600;
    cursor: pointer;
    opacity: 0;
    transition: opacity 0.2s;
}

.avatar-circle:hover .avatar-upload-btn {
    opacity: 1;
}

.avatar-info h4 {
    font-size: 18px;
    color: var(--db-navy);
    margin-bottom: 4px;
}

.avatar-info p {
    font-size: 13px;
    color: var(--db-text-light);
    margin-bottom: 12px;
}

.avatar-upload-trigger {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 18px;
    border-radius: 8px;
    background: var(--db-bg);
    border: 1px solid var(--db-gray);
    font-size: 13px;
    font-weight: 600;
    color: var(--db-navy);
    cursor: pointer;
    transition: var(--db-transition);
}

    .avatar-upload-trigger:hover {
        background: rgba(201,168,76,0.1);
        border-color: var(--db-gold);
    }

/* Form fields */
.settings-form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-field {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

    .form-field.full {
        grid-column: 1 / -1;
    }

    .form-field label {
        font-size: 12px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 0.8px;
        color: var(--db-text-light);
    }

    .form-field input, .form-field select {
        padding: 11px 14px;
        border: 1.5px solid var(--db-gray);
        border-radius: 10px;
        font-size: 14px;
        color: var(--db-text);
        font-family: 'DM Sans', sans-serif;
        background: var(--db-white);
        transition: border-color 0.2s, box-shadow 0.2s;
        outline: none;
        width: 100%;
    }

        .form-field input:focus, .form-field select:focus {
            border-color: var(--db-gold);
            box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
        }

        .form-field input:disabled {
            background: var(--db-bg);
            color: var(--db-text-light);
            cursor: not-allowed;
        }

    .form-field .field-hint {
        font-size: 11px;
        color: var(--db-text-light);
    }

.settings-save-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 24px;
    border-top: 1px solid rgba(10,22,40,0.06);
    margin-top: 24px;
    flex-wrap: wrap;
    gap: 12px;
}

.save-hint {
    font-size: 13px;
    color: var(--db-text-light);
}

/* Buttons */
.btn-save {
    background: linear-gradient(135deg, var(--db-gold), var(--db-gold-light));
    color: var(--db-navy);
    padding: 11px 28px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 700;
    border: none;
    cursor: pointer;
    transition: var(--db-transition);
    display: flex;
    align-items: center;
    gap: 8px;
}

    .btn-save:hover {
        transform: translateY(-1px);
        box-shadow: 0 6px 20px rgba(201,168,76,0.35);
    }

.btn-cancel {
    padding: 11px 20px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 600;
    border: 1.5px solid var(--db-gray);
    background: none;
    cursor: pointer;
    color: var(--db-text-mid);
    transition: var(--db-transition);
}

    .btn-cancel:hover {
        border-color: var(--db-navy);
        color: var(--db-navy);
    }

/* ── DOCUMENT UPLOAD ────────────────────────────── */
.doc-card {
    background: var(--db-white);
    border-radius: 16px;
    border: 1px solid rgba(10,22,40,0.07);
    box-shadow: var(--db-shadow);
    overflow: hidden;
    margin-bottom: 16px;
}

.doc-card-header {
    padding: 18px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

    .doc-card-header h4 {
        font-size: 15px;
        font-weight: 700;
        color: var(--db-navy);
    }

.doc-badge {
    font-size: 11px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 50px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.doc-verified {
    background: rgba(34,160,107,0.1);
    color: #22A06B;
}

.doc-pending {
    background: rgba(230,168,23,0.12);
    color: #E6A817;
}

.doc-missing {
    background: rgba(214,69,69,0.08);
    color: #D64545;
}

.doc-card-body {
    padding: 20px 24px;
}

.doc-upload-zone {
    border: 2px dashed var(--db-gray);
    border-radius: 12px;
    padding: 28px;
    text-align: center;
    cursor: pointer;
    transition: all 0.25s ease;
    background: var(--db-bg);
    position: relative;
}

    .doc-upload-zone:hover, .doc-upload-zone.dragover {
        border-color: var(--db-gold);
        background: rgba(201,168,76,0.05);
    }

    .doc-upload-zone input[type="file"] {
        position: absolute;
        inset: 0;
        opacity: 0;
        cursor: pointer;
        width: 100%;
        height: 100%;
    }

.doc-upload-icon {
    font-size: 36px;
    margin-bottom: 10px;
}

.doc-upload-zone h5 {
    font-size: 14px;
    font-weight: 700;
    color: var(--db-navy);
    margin-bottom: 6px;
}

.doc-upload-zone p {
    font-size: 12px;
    color: var(--db-text-light);
}

.doc-preview {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 16px;
    background: rgba(34,160,107,0.06);
    border-radius: 10px;
    border: 1px solid rgba(34,160,107,0.2);
    margin-top: 12px;
}

.doc-preview-icon {
    font-size: 28px;
    flex-shrink: 0;
}

.doc-preview-name {
    font-size: 14px;
    font-weight: 600;
    color: var(--db-navy);
}

.doc-preview-size {
    font-size: 12px;
    color: var(--db-text-light);
    margin-top: 2px;
}

.doc-preview-remove {
    margin-left: auto;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: rgba(214,69,69,0.1);
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--db-danger);
    font-size: 16px;
    transition: background 0.2s;
}

    .doc-preview-remove:hover {
        background: rgba(214,69,69,0.2);
    }

.doc-field {
    margin-top: 14px;
}

    .doc-field label {
        font-size: 12px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 0.8px;
        color: var(--db-text-light);
        margin-bottom: 6px;
        display: block;
    }

    .doc-field input {
        width: 100%;
        padding: 11px 14px;
        border: 1.5px solid var(--db-gray);
        border-radius: 10px;
        font-size: 14px;
        font-family: 'DM Sans', sans-serif;
        outline: none;
        transition: border-color 0.2s, box-shadow 0.2s;
    }

        .doc-field input:focus {
            border-color: var(--db-gold);
            box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
        }

.doc-info-note {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 14px 16px;
    background: rgba(10,22,40,0.04);
    border-radius: 10px;
    border-left: 3px solid var(--db-navy);
    font-size: 13px;
    color: var(--db-text-mid);
    line-height: 1.65;
    margin-bottom: 20px;
}

@media (max-width: 700px) {
    .settings-form-grid {
        grid-template-columns: 1fr;
    }

    .avatar-section {
        flex-direction: column;
        text-align: center;
    }

    .db-card-body {
        padding: 20px 16px;
    }
}

/* ═══════════════════════════════════════════════════
   User Console Support Page
═══════════════════════════════════════════════════ */

.db-card {
    background: var(--db-white);
    border-radius: var(--db-radius);
    box-shadow: var(--db-shadow);
    border: 1px solid rgba(10,22,40,0.06);
    overflow: hidden;
}

.db-card-header {
    padding: 20px 24px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

.db-card-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--db-navy);
}

.db-card-body {
    padding: 28px 24px;
}

.support-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 24px;
}

.support-contact-card {
    background: var(--db-white);
    border-radius: 16px;
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--db-shadow);
    border: 1px solid rgba(10,22,40,0.06);
    transition: var(--db-transition);
    text-decoration: none;
    display: block;
}

    .support-contact-card:hover {
        transform: translateY(-5px);
        box-shadow: var(--db-shadow-md);
        border-color: rgba(201,168,76,0.3);
    }

.support-icon-wrap {
    width: 72px;
    height: 72px;
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 32px;
}

    .support-icon-wrap.gold {
        background: rgba(201,168,76,0.12);
    }

    .support-icon-wrap.green {
        background: rgba(34,160,107,0.1);
    }

    .support-icon-wrap.navy {
        background: rgba(10,22,40,0.07);
    }

.support-contact-card h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--db-navy);
    margin-bottom: 8px;
}

.support-contact-card .sc-detail {
    font-size: 14px;
    color: var(--db-text-mid);
    line-height: 1.7;
    margin-bottom: 16px;
}

.support-contact-card .sc-action {
    display: inline-block;
    padding: 9px 22px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    transition: var(--db-transition);
}

.sc-action.gold {
    background: linear-gradient(135deg, var(--db-gold), var(--db-gold-light));
    color: var(--db-navy);
}

.sc-action.navy {
    background: var(--db-navy);
    color: #fff;
}

.sc-action.green {
    background: #25D366;
    color: #fff;
}

.office-card {
    background: linear-gradient(135deg, var(--db-navy), var(--db-navy-light));
    border-radius: 16px;
    padding: 32px;
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 32px;
    margin-bottom: 24px;
}

.office-item h5 {
    color: var(--db-gold-light);
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-bottom: 12px;
    font-weight: 700;
}

.office-detail {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 10px;
}

    .office-detail svg {
        flex-shrink: 0;
        margin-top: 2px;
        color: rgba(255,255,255,0.45);
    }

    .office-detail span {
        font-size: 14px;
        color: rgba(255,255,255,0.75);
        line-height: 1.65;
    }

.faq-mini {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.faq-mini-item {
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

.faq-mini-q {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 0;
    font-size: 14px;
    font-weight: 600;
    color: var(--db-navy);
    cursor: pointer;
    background: none;
    border: none;
    width: 100%;
    text-align: left;
    gap: 12px;
    transition: color 0.2s;
}

    .faq-mini-q:hover {
        color: var(--db-gold);
    }

    .faq-mini-q.open {
        color: var(--db-gold);
    }

.faq-mini-icon {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--db-bg);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 16px;
    transition: all 0.25s;
}

.faq-mini-q.open .faq-mini-icon {
    background: var(--db-gold);
    color: var(--db-navy);
    transform: rotate(45deg);
}

.faq-mini-a {
    font-size: 14px;
    color: var(--db-text-mid);
    line-height: 1.75;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.25s ease;
    padding-bottom: 0;
}

    .faq-mini-a.open {
        max-height: 200px;
        padding-bottom: 16px;
    }

.timing-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 0;
    border-bottom: 1px solid rgba(10,22,40,0.05);
    font-size: 14px;
}

    .timing-row:last-child {
        border-bottom: none;
    }

.timing-day {
    color: var(--db-navy);
    font-weight: 600;
}

.timing-hours {
    color: var(--db-text-mid);
}

.timing-badge {
    font-size: 11px;
    font-weight: 700;
    padding: 3px 8px;
    border-radius: 50px;
}

.open-badge {
    background: rgba(34,160,107,0.1);
    color: #22A06B;
}

.closed-badge {
    background: rgba(214,69,69,0.08);
    color: #D64545;
}

@media (max-width: 900px) {
    .support-grid {
        grid-template-columns: 1fr;
    }

    .office-card {
        grid-template-columns: 1fr;
        gap: 24px;
    }
}

@media (max-width: 600px) {
    .support-grid {
        grid-template-columns: 1fr;
    }
}

/* ═══════════════════════════════════════════════════
   User Console Loans Page
═══════════════════════════════════════════════════ */

.db-card {
    background: var(--db-white);
    border-radius: var(--db-radius);
    box-shadow: var(--db-shadow);
    border: 1px solid rgba(10,22,40,0.06);
}

.db-card-header {
    padding: 20px 24px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(10,22,40,0.05);
}

.db-card-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--db-navy);
}

/* Loan Table */
.loan-table-wrap {
    overflow-x: auto;
}

.loan-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
}

    .loan-table th {
        text-align: left;
        padding: 13px 18px;
        font-size: 11px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 1px;
        color: var(--db-text-light);
        background: var(--db-bg);
        white-space: nowrap;
    }

    .loan-table td {
        padding: 15px 18px;
        border-bottom: 1px solid rgba(10,22,40,0.04);
        color: var(--db-text);
        vertical-align: middle;
    }

    .loan-table tr:last-child td {
        border-bottom: none;
    }

    .loan-table tr:hover td {
        background: rgba(201,168,76,0.03);
    }

    .loan-table .loan-name {
        font-weight: 600;
        color: var(--db-navy);
    }

    .loan-table .loan-id {
        font-size: 12px;
        color: var(--db-text-light);
        margin-top: 2px;
    }

.status-pill {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: 11px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 50px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    white-space: nowrap;
}

.pill-active {
    background: rgba(34,160,107,0.1);
    color: #22A06B;
}

.pill-closed {
    background: rgba(10,22,40,0.07);
    color: #7A8AA0;
}

.pill-pending {
    background: rgba(230,168,23,0.12);
    color: #E6A817;
}

.pill-overdue {
    background: rgba(214,69,69,0.10);
    color: #D64545;
}

.btn-eye {
    width: 34px;
    height: 34px;
    border-radius: 8px;
    background: rgba(10,22,40,0.06);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--db-navy);
    border: none;
    cursor: pointer;
    transition: var(--db-transition);
}

    .btn-eye:hover {
        background: var(--db-navy);
        color: #fff;
    }

/* Loan Detail Modal */
.loan-modal-overlay {
    position: fixed;
    inset: 0;
    z-index: 9999;
    background: rgba(10,22,40,0.65);
    backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: all 0.25s ease;
}

    .loan-modal-overlay.open {
        opacity: 1;
        visibility: visible;
    }

.loan-modal {
    background: var(--db-white);
    border-radius: 20px;
    width: 100%;
    max-width: 600px;
    max-height: 90vh;
    overflow-y: auto;
    box-shadow: 0 40px 100px rgba(10,22,40,0.4);
    transform: translateY(24px) scale(0.97);
    transition: transform 0.32s cubic-bezier(0.34,1.56,0.64,1);
}

.loan-modal-overlay.open .loan-modal {
    transform: translateY(0) scale(1);
}

.loan-modal-header {
    background: linear-gradient(135deg, var(--db-navy), var(--db-navy-light));
    padding: 24px 28px;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    border-radius: 20px 20px 0 0;
}

.loan-modal-title {
    font-family: 'Playfair Display', serif;
    font-size: 20px;
    color: #fff;
    margin-bottom: 4px;
}

.loan-modal-id {
    font-size: 12px;
    color: rgba(255,255,255,0.5);
}

.loan-modal-close {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    cursor: pointer;
    border: none;
    font-size: 16px;
    transition: background 0.2s;
}

    .loan-modal-close:hover {
        background: rgba(255,255,255,0.2);
    }

.loan-modal-body {
    padding: 28px;
}

.loan-detail-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 24px;
}

.loan-detail-item {
    background: var(--db-bg);
    border-radius: 10px;
    padding: 14px 16px;
}

    .loan-detail-item .ldi-label {
        font-size: 11px;
        color: var(--db-text-light);
        text-transform: uppercase;
        letter-spacing: 0.8px;
        margin-bottom: 5px;
    }

    .loan-detail-item .ldi-val {
        font-size: 16px;
        font-weight: 700;
        color: var(--db-navy);
    }

    .loan-detail-item.full {
        grid-column: 1 / -1;
    }

.emi-schedule-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--db-navy);
    margin-bottom: 12px;
}

.emi-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 10px 14px;
    border-radius: 8px;
    font-size: 13px;
    margin-bottom: 6px;
}

    .emi-row.paid {
        background: rgba(34,160,107,0.07);
    }

    .emi-row.upcoming {
        background: rgba(201,168,76,0.08);
        border: 1px solid rgba(201,168,76,0.2);
    }

    .emi-row.pending {
        background: rgba(214,69,69,0.06);
    }

    .emi-row .emi-no {
        color: var(--db-text-light);
        font-size: 12px;
        width: 32px;
    }

    .emi-row .emi-date {
        color: var(--db-text-mid);
    }

    .emi-row .emi-amt {
        font-weight: 700;
        color: var(--db-navy);
    }

/* ═══════════════════════════════════════════════════
   Admin Console Layuot Page
═══════════════════════════════════════════════════ */
/* ── RESPONSIVE ── */
@media(max-width:900px) {
    .a-sb {
        transform: translateX(calc(-1 * var(--a-sw)))
    }

        .a-sb.open {
            transform: translateX(0)
        }

    .a-top {
        left: 0
    }

    .a-main {
        margin-left: 0
    }

    .a-hbg {
        display: flex
    }

    .a-overlay.show {
        display: block
    }

    .a-srch {
        display: none
    }

    .a-content {
        padding: 14px
    }
}

/* ═══════════════════════════════════════════════════
   Admin Console Dashbord Page
═══════════════════════════════════════════════════ */

@media(max-width:1100px) {
    .sg {
        grid-template-columns: repeat(2,1fr)
    }

    .mg {
        grid-template-columns: 1fr
    }
}

@media(max-width:580px) {
    .sg {
        grid-template-columns: 1fr
    }
}

/* ═══════════════════════════════════════════════════
   Admin Console Complaints Page
═══════════════════════════════════════════════════ */

@media(max-width:720px) {
    .c-stat-row {
        grid-template-columns: 1fr 1fr
    }
}

/* ═══════════════════════════════════════════════════
   Admin Console websitecontent Page
═══════════════════════════════════════════════════ */
@media(max-width:680px) {
    .ed-2col {
        grid-template-columns: 1fr
    }

    .calc-row {
        grid-template-columns: 1fr
    }
}

/* ═══════════════════════════════════════════════════════════════
   COMPREHENSIVE MOBILE RESPONSIVE OVERHAUL
   All breakpoints: 768px (tablet), 480px (phone), 360px (small)
═══════════════════════════════════════════════════════════════ */

/* ── 1. NAVBAR + MOBILE MENU ─────────────────────────────────── */
.mobile-menu {
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: min(320px, 85vw);
    background: var(--navy);
    z-index: 1100;
    display: flex;
    flex-direction: column;
    padding: 0;
    transform: translateX(100%);
    transition: transform 0.38s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: -8px 0 40px rgba(0,0,0,0.4);
    overflow-y: auto;
}

    .mobile-menu.open {
        transform: translateX(0);
    }

.mobile-menu-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    flex-shrink: 0;
}

.mobile-menu-brand {
    font-family: 'Playfair Display', serif;
    font-size: 16px;
    font-weight: 700;
    color: #fff;
}

    .mobile-menu-brand span {
        color: var(--gold);
    }

.mobile-close {
    position: static;
    width: 36px;
    height: 36px;
    background: rgba(255,255,255,0.08);
    border-radius: 8px;
    color: rgba(255,255,255,0.7);
    font-size: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.2s;
    border: none;
}

    .mobile-close:hover {
        background: rgba(214,69,69,0.3);
        color: #fff;
    }

.mobile-menu-nav {
    flex: 1;
    padding: 12px 0;
}

    .mobile-menu-nav a {
        display: flex;
        align-items: center;
        gap: 12px;
        font-size: 16px;
        font-weight: 600;
        color: rgba(255,255,255,0.8);
        padding: 14px 24px;
        border-bottom: 1px solid rgba(255,255,255,0.05);
        transition: all 0.2s;
        text-decoration: none;
    }

        .mobile-menu-nav a:hover {
            color: var(--gold);
            background: rgba(255,255,255,0.04);
        }

        .mobile-menu-nav a svg {
            flex-shrink: 0;
        }

.mobile-menu-footer {
    padding: 20px 24px;
    border-top: 1px solid rgba(255,255,255,0.08);
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex-shrink: 0;
}

    .mobile-menu-footer .btn {
        justify-content: center;
        width: 100%;
    }

.mobile-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(10,22,40,0.6);
    z-index: 1050;
    backdrop-filter: blur(2px);
}

    .mobile-overlay.open {
        display: block;
    }

/* hamburger active state */
.hamburger.active span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}

.hamburger.active span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* ── 2. HERO SLIDER ──────────────────────────────────────────── */
@media (max-width: 768px) {
    .hero {
        height: 100svh;
        min-height: 580px;
    }

    .hero-content {
        padding: 0 4px;
    }

        .hero-content h1 {
            font-size: clamp(28px, 7vw, 40px);
        }

        .hero-content p {
            font-size: 15px;
            margin-bottom: 24px;
        }

    .hero-btns {
        gap: 10px;
    }

        .hero-btns .btn {
            padding: 12px 20px;
            font-size: 13px;
        }

    .hero-arrow {
        width: 40px;
        height: 40px;
    }

        .hero-arrow.prev {
            left: 12px;
        }

        .hero-arrow.next {
            right: 12px;
        }

    .hero-nav {
        bottom: 28px;
    }
}

@media (max-width: 480px) {
    .hero-content h1 {
        font-size: 26px;
    }

    .hero-content p {
        font-size: 14px;
    }

    .hero-btns .btn-outline-white {
        display: none;
    }

    .hero-arrow {
        display: none;
    }
}

/* ── 3. STATS BAR ────────────────────────────────────────────── */
@media (max-width: 480px) {
    .stats-grid {
        grid-template-columns: 1fr 1fr;
        gap: 0;
    }

    .stat-item {
        padding: 12px 8px;
    }

    .stat-num {
        font-size: 24px;
    }

    .stat-label {
        font-size: 11px;
    }
}

/* ── 4. SERVICES — scrollable categories + cards ────────────── */
@media (max-width: 768px) {
    .services-section .section-pad {
        padding: 60px 0;
    }

    /* Category tabs — horizontal scroll with arrows hidden, swipeable */
    .service-tabs {
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        padding-bottom: 2px;
        gap: 0;
        display: flex;
    }

    .service-tab {
        flex: 0 0 auto;
        scroll-snap-align: start;
        padding: 12px 20px;
        font-size: 13px;
    }

    /* Nav arrows row */
    .slider-arrows {
        display: flex;
        justify-content: space-between;
        align-items: center;
        margin-bottom: 16px;
    }

    .slider-arrow {
        width: 38px;
        height: 38px;
        font-size: 14px;
    }

    /* Cards — 1.2 visible at a time for swipe hint */
    .service-card {
        flex: 0 0 78vw;
        aspect-ratio: 3/4;
    }

    .service-cards-track {
        gap: 16px;
    }
}

@media (max-width: 480px) {
    .service-card {
        flex: 0 0 86vw;
    }
}

/* ── 5. PROMOTIONS (OFFERS) ──────────────────────────────────── */
@media (max-width: 768px) {
    .offers-slide.active {
        flex-direction: column;
        gap: 32px;
    }

    .offers-img {
        flex: 0 0 auto;
        width: 100%;
    }

        .offers-img img {
            height: 220px;
        }

    .offers-content h2 {
        font-size: 26px;
    }
}

/* ── 6. ABOUT SECTION — fix badge disappearing ──────────────── */
@media (max-width: 768px) {
    .about-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .about-img-wrap {
        padding-bottom: 32px;
    }
    /* space for badge */
    .about-img img {
        height: 280px;
    }

    /* Keep badge visible but reposition to fit */
    .about-badge {
        display: flex !important; /* override the hide */
        width: 110px;
        height: 110px;
        bottom: -16px;
        right: 16px;
    }

        .about-badge .years {
            font-size: 28px;
        }

        .about-badge .yrs-label {
            font-size: 9px;
        }
}

@media (max-width: 480px) {
    .about-badge {
        width: 96px;
        height: 96px;
        bottom: -12px;
        right: 12px;
    }

        .about-badge .years {
            font-size: 24px;
        }
}

/* ── 7. NOTICES — card + arrow adjustments ───────────────────── */
@media (max-width: 768px) {
    .notice-card {
        padding: 32px 24px;
    }

        .notice-card h3 {
            font-size: 20px;
        }

        .notice-card p {
            font-size: 14px;
        }

    .notice-meta {
        flex-direction: column;
        gap: 6px;
    }

    .notices-ctrl {
        gap: 10px;
    }
}

@media (max-width: 480px) {
    .notice-card {
        padding: 24px 16px;
    }

        .notice-card h3 {
            font-size: 18px;
        }
}

/* ── 8. MOBILE APP SECTION ───────────────────────────────────── */
@media (max-width: 1024px) {
    .app-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .app-img-wrap {
        justify-content: center;
    }
}

@media (max-width: 768px) {
    .app-section .section-pad {
        padding: 60px 0;
    }

    .app-content h2 {
        font-size: 28px;
    }

    .app-content p {
        font-size: 14px;
        margin-bottom: 24px;
    }

    .app-stores {
        gap: 12px;
    }

    .store-btn {
        padding: 10px 18px;
        gap: 10px;
    }

    .store-btn-text .big {
        font-size: 14px;
    }

    .app-phone {
        width: 160px;
        border-radius: 22px;
    }

    .scan-text {
        font-size: 22px;
    }

    .phone-qr {
        width: 70px;
        height: 82px;
        padding: 7px;
    }

    .app-img-wrap {
        gap: 16px;
    }
}

@media (max-width: 480px) {
    .app-stores {
        flex-direction: column;
    }

    .store-btn {
        justify-content: center;
    }

    .app-phone {
        width: 130px;
    }

    .scan-text {
        font-size: 18px;
    }
}

/* ── 9. ABOUT PAGE HERO — stop clash with navbar ─────────────── */
.about-hero {
    padding-top: 72px; /* navbar height */
    box-sizing: border-box;
}

@media (max-width: 768px) {
    .about-hero {
        height: auto;
        min-height: 460px;
        padding-top: 72px;
        padding-bottom: 40px;
        align-items: flex-end;
    }

    .about-hero-content {
        padding-bottom: 0;
    }

        .about-hero-content h1 {
            font-size: clamp(26px, 6vw, 38px);
        }

    .about-hero-stats {
        flex-wrap: wrap;
        gap: 16px;
    }

        .about-hero-stats > * {
            flex: 0 0 calc(50% - 8px);
        }
}

@media (max-width: 480px) {
    .about-hero {
        min-height: 400px;
    }

    .about-hero-content h1 {
        font-size: 24px;
    }
}

/* ── 10. PERSONAL LOAN PAGE HERO — stop clash with navbar ────── */
.svc-hero {
    padding-top: 72px;
    box-sizing: border-box;
    height: auto;
    min-height: 560px;
}

@media (max-width: 768px) {
    .svc-hero {
        min-height: 480px;
        padding-top: 72px;
        padding-bottom: 40px;
    }

    .svc-hero-content {
        padding-bottom: 0;
    }

        .svc-hero-content h1 {
            font-size: clamp(24px, 6vw, 36px);
        }

        .svc-hero-content p {
            font-size: 14px;
        }

    .svc-hero-pills {
        gap: 8px;
    }

    .svc-pill {
        font-size: 12px;
        padding: 6px 14px;
    }

    .svc-hero-btns {
        gap: 10px;
    }

        .svc-hero-btns .btn {
            padding: 12px 20px;
            font-size: 13px;
        }

    /* EMI calculator */
    .emi-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .emi-calc-card {
        padding: 28px 20px;
    }
}

@media (max-width: 480px) {
    .svc-hero {
        min-height: 420px;
    }

    .svc-hero-content h1 {
        font-size: 22px;
    }
}

/* ── 11. AUTH PAGES (Login / Register) ───────────────────────── */
@media (max-width: 768px) {
    .auth-page {
        grid-template-columns: 1fr;
    }

    .auth-sidebar {
        display: none;
    }

    .auth-main {
        min-height: 100svh;
        padding: 24px 20px;
        align-items: flex-start;
        overflow-y: auto;
    }

    .auth-card {
        width: 100%;
        max-width: 100%;
        padding: 32px 24px 28px;
        border-radius: 16px;
        margin-top: 0;
    }

        .auth-card h1 {
            font-size: 26px;
        }

        .auth-card .sub {
            font-size: 14px;
        }
}

@media (max-width: 480px) {
    .auth-main {
        padding: 16px;
    }

    .auth-card {
        padding: 28px 16px 24px;
    }

        .auth-card h1 {
            font-size: 22px;
        }

    .form-group {
        margin-bottom: 18px;
    }

    .btn-lg {
        padding: 13px 24px;
        font-size: 14px;
    }
}

/* ── 12. FOOTER ───────────────────────────────────────────────── */
@media (max-width: 768px) {
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
        gap: 12px;
    }

    .footer-links {
        justify-content: center;
        flex-wrap: wrap;
    }
}

/* ── 13. GENERAL SECTION PADDING ON MOBILE ───────────────────── */
@media (max-width: 768px) {
    .section-pad {
        padding: 60px 0;
    }

    .container {
        padding: 0 16px;
    }

    .section-title {
        font-size: clamp(22px, 5vw, 32px);
    }

    .section-sub {
        font-size: 14px;
    }
}

@media (max-width: 480px) {
    .section-pad {
        padding: 48px 0;
    }

    .container {
        padding: 0 14px;
    }
}


/* ═══════════════════════════════════════════════════════════════════
   MEGHNA NBFC — FULL RESPONSIVE OVERHAUL v2
   Breakpoints: 1024px · 768px · 480px · 360px
   Added: missing sections + tightened existing rules
═══════════════════════════════════════════════════════════════════ */

/* ── HIDE NATIVE BROWSER PASSWORD REVEAL ─────────────────────── */
input[type="password"]::-ms-reveal,
input[type="password"]::-ms-clear {
    display: none;
}

input[type="password"]::-webkit-textfield-decoration-container {
    display: none;
}

/* ── NOTICES SLIDER ──────────────────────────────────────────── */
@media (max-width: 768px) {
    .notices-section {
        padding: 40px 0;
    }

    .notices-track {
        gap: 16px;
    }

    .notices-ctrl {
        gap: 8px;
    }
}

/* ── APP SECTION ─────────────────────────────────────────────── */
@media (max-width: 768px) {
    .app-section {
        padding: 60px 0;
    }

    .app-grid {
        grid-template-columns: 1fr;
        gap: 40px;
        text-align: center;
    }

    .app-content h2 {
        font-size: clamp(24px, 6vw, 36px);
    }

    .app-stores {
        flex-direction: column;
        align-items: center;
        gap: 12px;
    }

    .app-img-wrap {
        justify-content: center;
    }

    .app-phone {
        width: 180px;
    }
}

@media (max-width: 480px) {
    .app-phone {
        width: 140px;
    }

    .app-stores {
        gap: 10px;
    }
}

/* ── BLOG / NOTICES SLIDER ───────────────────────────────────── */
@media (max-width: 768px) {
    .blog-card {
        flex: 0 0 calc(100% - 16px);
    }

    .blog-card-img {
        height: 180px;
    }
}

/* ── OFFERS SECTION ─────────────────────────────────────────── */
@media (max-width: 768px) {
    .offers-slide.active {
        flex-direction: column;
        gap: 0;
    }

    .offers-img {
        width: 100%;
        height: 220px;
    }

    .offers-content {
        padding: 24px 20px;
    }

        .offers-content h2 {
            font-size: 22px;
        }
}

/* ── STATS BAR ───────────────────────────────────────────────── */
@media (max-width: 480px) {
    .stats-grid {
        grid-template-columns: 1fr 1fr;
        gap: 16px;
    }

    .stat-num {
        font-size: 28px;
    }

    .stat-label {
        font-size: 12px;
    }
}

/* ── ABOUT BADGE — show on mobile, reposition ────────────────── */
@media (max-width: 768px) {
    .about-badge {
        display: flex !important;
        right: auto;
        left: 50%;
        transform: translateX(-50%);
        bottom: -20px;
        width: 90px;
        height: 90px;
    }

        .about-badge .years {
            font-size: 26px;
        }

        .about-badge .yrs-label {
            font-size: 9px;
        }

    .about-img {
        margin-bottom: 40px;
    }
}

/* ── NAV USER PILL ON MOBILE ─────────────────────────────────── */
@media (max-width: 768px) {
    .nav-actions .btn-sm {
        display: none;
    }

    .nav-user-pill {
        display: flex;
    }
}

/* ── ABOUT PAGE HERO ─────────────────────────────────────────── */
.about-hero {
    padding-top: 72px;
    box-sizing: border-box;
}

@media (max-width: 768px) {
    .about-hero {
        min-height: 420px;
        padding-bottom: 40px;
    }

    .about-hero-content h1 {
        font-size: clamp(24px, 6vw, 36px);
    }

    .about-hero-stats {
        flex-wrap: wrap;
        gap: 12px;
    }

        .about-hero-stats > * {
            flex: 0 0 calc(50% - 6px);
        }
}

@media (max-width: 480px) {
    .about-hero {
        min-height: 360px;
    }

    .about-hero-content h1 {
        font-size: 22px;
    }

    .about-hero-stats > * {
        flex: 0 0 100%;
    }
}

/* ── SERVICES HERO — prevent navbar overlap ──────────────────── */
.svc-hero {
    padding-top: 72px;
    box-sizing: border-box;
}

/* ── SECTION LABEL + TITLES ──────────────────────────────────── */
@media (max-width: 480px) {
    .section-label {
        font-size: 11px;
    }

    .section-title {
        font-size: clamp(20px, 6vw, 28px);
    }

    .section-sub {
        font-size: 13px;
    }
}

/* ── APPLY MODAL ─────────────────────────────────────────────── */
@media (max-width: 480px) {
    .apply-modal {
        padding: 28px 20px 24px;
        border-radius: 20px 20px 0 0;
        margin-top: auto;
        width: 100%;
    }

    .apply-overlay {
        align-items: flex-end;
    }

    .apply-opt {
        gap: 12px;
        padding: 14px 12px;
    }

    .opt-icon {
        width: 44px;
        height: 44px;
    }
}

/* ── FOOTER RESPONSIVE ───────────────────────────────────────── */
@media (max-width: 480px) {
    .footer-col h5 {
        font-size: 13px;
    }

    .footer-links li {
        margin-bottom: 8px;
    }

    .footer-contact-item {
        gap: 10px;
        font-size: 13px;
    }

    .footer-bottom p {
        font-size: 11px;
    }

    .social-btn {
        width: 32px;
        height: 32px;
    }
}

/* ── DASHBOARD LAYOUT ────────────────────────────────────────── */
@media (max-width: 900px) {
    .db-sidebar {
        transform: translateX(-100%);
    }

        .db-sidebar.open {
            transform: translateX(0);
        }

    .db-main {
        margin-left: 0 !important;
        width: 100%;
    }

    .db-hamburger {
        display: flex;
    }
}

@media (max-width: 600px) {
    .db-header {
        padding: 0 16px;
    }

    .db-content {
        padding: 20px 16px;
    }

    .db-card-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .db-card {
        padding: 16px;
    }

    .db-card-val {
        font-size: 22px;
    }
}

@media (max-width: 400px) {
    .db-card-grid {
        grid-template-columns: 1fr;
    }
}

/* ── ADMIN LAYOUT ────────────────────────────────────────────── */
@media (max-width: 768px) {
    .admin-sidebar {
        transform: translateX(-100%);
        transition: transform 0.3s ease;
    }

        .admin-sidebar.open {
            transform: translateX(0);
        }

    .admin-content {
        margin-left: 0 !important;
    }

    .admin-header {
        padding: 0 16px;
    }

    .admin-hamburger {
        display: flex !important;
    }
}

/* ── HERO DOTS + ARROWS ──────────────────────────────────────── */
@media (max-width: 360px) {
    .hero-content h1 {
        font-size: 22px;
    }

    .hero-arrow {
        width: 34px;
        height: 34px;
        font-size: 13px;
    }

    .hero-btns .btn {
        padding: 10px 16px;
        font-size: 12px;
    }
}

/* ── HORIZONTAL SCROLL SNAPPING FOR SERVICE CARDS ───────────── */
@media (max-width: 768px) {
    .service-tabs {
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        gap: 8px;
        padding-bottom: 4px;
    }

        .service-tabs::-webkit-scrollbar {
            display: none;
        }

    .service-tab {
        scroll-snap-align: start;
        flex-shrink: 0;
        white-space: nowrap;
    }

    .service-cards-track {
        scroll-snap-type: x mandatory;
    }

    .service-card {
        scroll-snap-align: start;
        flex: 0 0 85%;
    }
}

@media (max-width: 480px) {
    .service-card {
        flex: 0 0 88%;
    }
}

/* ── TOUCH TARGETS ───────────────────────────────────────────── */
@media (max-width: 768px) {
    .btn {
        min-height: 44px;
    }

    .hamburger {
        min-width: 44px;
        min-height: 44px;
    }

    .hero-dot {
        width: 36px;
        height: 36px;
        display: flex;
        align-items: center;
        justify-content: center;
    }
}

/* ── SMOOTH SCROLL + BOX SIZING ─────────────────────────────── */
html {
    scroll-behavior: smooth;
}

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

/* ── LOAN APPLY / SUCCESS PAGES ─────────────────────────────── */
@media (max-width: 768px) {
    .loan-apply-grid,
    .loan-grid {
        grid-template-columns: 1fr;
    }

    .loan-sidebar {
        display: none;
    }
}



/* ═══════════════════════════════════════════════════════════════
   NAV + MOBILE MENU — DEFINITIVE RULES (highest specificity)
   Fixes: mobile-menu visible on desktop, hamburger always showing
═══════════════════════════════════════════════════════════════ */

/* Desktop: hamburger hidden, mobile panel kept off-screen via transform */
@media (min-width: 769px) {
    .hamburger {
        display: none !important;
    }

    .mobile-menu {
        transform: translateX(100%) !important;
        pointer-events: none !important;
    }

    .mobile-overlay {
        display: none !important;
    }
}

/* Mobile: collapse desktop nav, reveal hamburger */
@media (max-width: 768px) {
    .nav-links {
        display: none !important;
    }

    .nav-actions .btn,
    .nav-actions .btn-sm,
    .nav-actions .btn-outline-white {
        display: none !important;
    }

    .nav-actions .nav-user-pill {
        display: flex !important;
    }

    .hamburger {
        display: flex !important;
    }
}

/* ── Forgotpasowrd html ─────────────────────────────── */
@keyframes orbMove {
    0%, 100% {
        transform: translate(0,0)
    }

    50% {
        transform: translate(24px,-18px)
    }
}

@keyframes slideUp {
    to {
        opacity: 1;
        transform: translateY(0)
    }
}

@keyframes envBounce {
    0%, 100% {
        transform: translateY(0)
    }

    50% {
        transform: translateY(-6px)
    }
}

@keyframes dotPop {
    0%, 100% {
        opacity: 0;
        transform: translateY(0)
    }

    50% {
        opacity: 1;
        transform: translateY(-8px)
    }
}

@keyframes pulse {
    0%, 100% {
        opacity: 1
    }

    50% {
        opacity: .3
    }
}

@media(max-width:480px) {
    .card {
        padding: 36px 20px;
        margin: 16px;
    }

    h1 {
        font-size: 24px;
    }

    .desc {
        font-size: 14px;
    }
}

/* ── Restpasowrd html ─────────────────────────────── */
@media(max-width:480px) {
    .card {
        padding: 36px 24px;
        margin: 16px;
    }

    h1 {
        font-size: 26px;
    }

    .desc {
        font-size: 14px;
    }
}

@keyframes blink {
    0%, 100% {
        opacity: 1
    }

    50% {
        opacity: .3
    }
}

@keyframes ripple {
    0% {
        transform: scale(.8);
        opacity: 1
    }

    100% {
        transform: scale(1.3);
        opacity: 0
    }
}

@keyframes cardIn {
    to {
        opacity: 1;
        transform: translateY(0) scale(1)
    }
}

@keyframes float {
    0%, 100% {
        transform: translate(0,0)
    }

    50% {
        transform: translate(20px,-20px)
    }
}

/* ── Forgotpasowrd html ─────────────────────────────── */
@keyframes orbMove {
    0%, 100% {
        transform: translate(0,0)
    }

    50% {
        transform: translate(24px,-18px)
    }
}

@keyframes slideUp {
    to {
        opacity: 1;
        transform: translateY(0)
    }
}

@keyframes envBounce {
    0%, 100% {
        transform: translateY(0)
    }

    50% {
        transform: translateY(-6px)
    }
}

@keyframes dotPop {
    0%, 100% {
        opacity: 0;
        transform: translateY(0)
    }

    50% {
        opacity: 1;
        transform: translateY(-8px)
    }
}

@keyframes pulse {
    0%, 100% {
        opacity: 1
    }

    50% {
        opacity: .3
    }
}

@media(max-width:480px) {
    .card {
        padding: 36px 20px;
        margin: 16px;
    }

    h1 {
        font-size: 24px;
    }

    .desc {
        font-size: 14px;
    }
}

/* ── Restpasowrd html ─────────────────────────────── */
@media(max-width:480px) {
    .card {
        padding: 36px 24px;
        margin: 16px;
    }

    h1 {
        font-size: 26px;
    }

    .desc {
        font-size: 14px;
    }
}

@keyframes blink {
    0%, 100% {
        opacity: 1
    }

    50% {
        opacity: .3
    }
}

@keyframes ripple {
    0% {
        transform: scale(.8);
        opacity: 1
    }

    100% {
        transform: scale(1.3);
        opacity: 0
    }
}

@keyframes cardIn {
    to {
        opacity: 1;
        transform: translateY(0) scale(1)
    }
}

@keyframes float {
    0%, 100% {
        transform: translate(0,0)
    }

    50% {
        transform: translate(20px,-20px)
    }
}

/* ═══════════════════════════════════════════════
           ADMIN CONSOLE — RESPONSIVE (mobile-first)
        ═══════════════════════════════════════════════ */

/* ── Topbar search: hide on small screens ── */
@media (max-width: 860px) {
    .a-srch {
        display: none;
    }
}

/* ── Tablet: sidebar collapses off-screen ── */
@media (max-width: 768px) {
    /* Show hamburger */
    .a-hbg {
        display: flex !important;
    }
    /* Sidebar slides off-screen */
    .a-sb {
        transform: translateX(-100%);
        z-index: 300;
        box-shadow: 8px 0 40px rgba(0,0,0,0.6);
    }

        .a-sb.open {
            transform: translateX(0);
        }
    /* Overlay becomes visible when sidebar open */
    .a-overlay.show {
        display: block;
    }
    /* Topbar spans full width */
    .a-top {
        left: 0 !important;
    }
    /* Main content fills full width */
    .a-main {
        margin-left: 0 !important;
    }
    /* Content padding tighter */
    .a-content {
        padding: 16px;
    }
    /* Stat grid: 2 cols on tablet */
    .sg {
        grid-template-columns: repeat(2, 1fr) !important;
    }
    /* Main dashboard grid: stack vertically */
    .mg {
        grid-template-columns: 1fr !important;
    }
    /* Complaint stats: 2 cols */
    .c-stat-row {
        grid-template-columns: repeat(2, 1fr) !important;
    }
    /* Modal full-width on mobile */
    .a-mo {
        padding: 10px;
    }

    .a-mo-box {
        max-width: 100% !important;
        border-radius: 12px;
    }
    /* Form grid: single col on mobile */
    .a-fg {
        grid-template-columns: 1fr !important;
    }

    .a-f.full {
        grid-column: 1 !important;
    }

    .detail-grid {
        grid-template-columns: 1fr !important;
    }

    .detail-field.full {
        grid-column: 1 !important;
    }
    /* Filter bar wraps nicely */
    .filter-bar {
        gap: 8px;
    }

    .filter-input {
        flex: 1;
        min-width: 120px;
    }
    /* Table: allow scroll */
    .a-tbl-wrap {
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }

    .a-tbl {
        min-width: 580px;
    }
    /* AddEmployee wrapper */
    .ae-wrap {
        max-width: 100% !important;
    }

    .ae-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 12px;
        padding: 18px;
    }
    /* Topbar: tighten padding */
    .a-top {
        padding: 0 14px;
        gap: 10px;
    }

    .a-pg-title {
        font-size: 14px;
    }

    .a-crumb {
        display: none;
    }
}

/* ── Mobile: extra small ── */
@media (max-width: 480px) {
    /* Stat grid: single col on very small */
    .sg {
        grid-template-columns: 1fr !important;
    }

    .c-stat-row {
        grid-template-columns: repeat(2, 1fr) !important;
    }
    /* Topbar avatar — hide name text */
    .a-dd-email {
        display: none;
    }
    /* Content padding minimal */
    .a-content {
        padding: 12px;
    }
    /* Card header: allow wrapping */
    .a-card-hd {
        flex-wrap: wrap;
        gap: 8px;
    }
    /* Modal footer: stack buttons */
    .a-mo-ft {
        flex-direction: column-reverse;
        gap: 8px;
    }

        .a-mo-ft .a-btn {
            width: 100%;
            justify-content: center;
        }
    /* Filter bar: stack vertically */
    .filter-bar {
        flex-direction: column;
        align-items: stretch;
    }

    .filter-input {
        width: 100% !important;
    }
    /* Table action buttons */
    .a-btn-sm {
        padding: 4px 8px;
        font-size: 11px;
    }
}

/* ── Hamburger active (X) animation ── */
.a-hbg.open span:nth-child(1) {
    transform: rotate(45deg) translate(4px, 4px);
}

.a-hbg.open span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}

.a-hbg.open span:nth-child(3) {
    transform: rotate(-45deg) translate(4px, -4px);
}

.a-hbg span {
    transition: transform 0.22s ease, opacity 0.18s ease;
    transform-origin: center;
}

/*----------------Dashbord*/
@media (max-width: 900px) {
    .sg {
        grid-template-columns: repeat(2,1fr) !important;
    }

    .mg {
        grid-template-columns: 1fr !important;
    }
}

@media (max-width: 480px) {
    .sg {
        grid-template-columns: 1fr !important;
    }

    .pb-lbl {
        width: 70px;
        font-size: 10px;
    }
}

/*-----------------------------add employee*/
@media (max-width:768px) {
    .ae-wrap {
        max-width: 100%;
    }

    .ae-header {
        flex-direction: column;
        gap: 14px;
        padding: 18px;
    }

    .a-fg {
        grid-template-columns: 1fr !important;
    }

    .a-f.full {
        grid-column: 1 !important;
    }

    .photo-upload {
        flex-direction: column;
        align-items: flex-start;
        gap: 14px;
    }
}

@media (max-width:480px) {
    .ae-icon {
        width: 44px;
        height: 44px;
        font-size: 20px;
    }

    .a-mo-ft {
        flex-direction: column-reverse;
    }

        .a-mo-ft .a-btn {
            width: 100%;
            justify-content: center;
        }
}

/*-------------------webcontent*/
@media (max-width:768px) {
    .wc-tabs {
        overflow-x: auto;
        flex-wrap: nowrap;
    }

    .wc-tab {
        flex-shrink: 0;
    }

    .wc-panel {
        padding: 18px !important;
    }

    .save-bar {
        flex-direction: column;
    }

        .save-bar .a-btn {
            width: 100%;
            justify-content: center;
        }
}

/* ═══════════════════════════════════════════════════
     CUSTOMER DASHBOARD — RESPONSIVE (mobile-first)
  ═══════════════════════════════════════════════════ */

/*--------------------------settings*/
@media (max-width: 900px) {
    .settings-tabs {
        width: 100%;
        overflow-x: auto;
        flex-wrap: nowrap;
    }

    .settings-tab {
        flex-shrink: 0;
    }
}

@media (max-width: 700px) {
    .settings-form-grid {
        grid-template-columns: 1fr;
    }

    .avatar-section {
        flex-direction: column;
        gap: 16px;
    }

    .db-card-body {
        padding: 20px 16px;
    }

    .settings-tab {
        padding: 9px 14px;
        font-size: 13px;
    }

        .settings-tab svg {
            display: none;
        }
}

@media (max-width: 480px) {
    .settings-tab {
        padding: 8px 12px;
        font-size: 12px;
    }

    .kyc-upload-zone {
        padding: 24px 16px;
    }

    .notif-item {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px;
    }
}

/*--------------------------------support*/
@media (max-width: 900px) {
    .support-grid {
        grid-template-columns: 1fr;
    }

    .office-card {
        grid-template-columns: 1fr;
        gap: 24px;
    }
}

@media (max-width: 768px) {
    .support-contact-card {
        padding: 24px 18px;
    }

    .support-icon-wrap {
        width: 56px;
        height: 56px;
        font-size: 26px;
    }

    .db-card-body {
        padding: 20px 18px;
    }
}

@media (max-width: 600px) {
    .support-grid {
        grid-template-columns: 1fr;
    }

    .support-contact-card h4 {
        font-size: 15px;
    }

    .faq-item {
        padding: 14px 16px;
    }
}


/*----------------------------loans*/
@media (max-width: 768px) {
    .loan-table-wrap {
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }

    .loan-table {
        min-width: 520px;
    }

    .db-card-header {
        flex-wrap: wrap;
        gap: 10px;
        padding: 16px 18px;
    }

    .db-card-body {
        padding: 0 !important;
    }

    .loan-detail-grid {
        grid-template-columns: 1fr !important;
    }

    .emi-summary-row {
        flex-wrap: wrap;
        gap: 10px;
    }
}

@media (max-width: 480px) {
    .btn-eye {
        width: 30px;
        height: 30px;
    }

    .status-pill {
        font-size: 10px;
        padding: 3px 8px;
    }
}


/*-------------------------index*/
@media (max-width: 1100px) {
    .db-stats-row {
        grid-template-columns: repeat(2, 1fr);
    }

    .db-content-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .db-welcome {
        flex-direction: column;
        gap: 16px;
        padding: 22px 20px;
    }

    .db-welcome-badge {
        align-self: flex-start;
    }

    .db-stats-row {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }

    .db-stat-card {
        padding: 16px 14px;
    }

    .db-content-grid {
        grid-template-columns: 1fr;
    }

    .loan-summary-grid {
        grid-template-columns: 1fr !important;
    }

    .emi-reminder {
        flex-direction: column;
        gap: 16px;
        align-items: flex-start;
    }
}

@media (max-width: 480px) {
    .db-stats-row {
        grid-template-columns: 1fr;
    }

    .db-welcome h2 {
        font-size: 18px;
    }

    .db-stat-val {
        font-size: 20px !important;
    }
}

/*---------------------------Complaint*/
@media (max-width:768px) {
    .c-stat-row {
        grid-template-columns: repeat(2,1fr) !important;
    }

    .filter-bar {
        flex-direction: column;
        align-items: stretch;
    }

    .filter-input {
        width: 100% !important;
    }
}

@media (max-width:480px) {
    .c-stat-row {
        grid-template-columns: repeat(2,1fr) !important;
    }

    .c-stat-val {
        font-size: 18px;
    }
}

/* ── Tablet: sidebar collapses off-screen ── */
@media (max-width: 900px) {
    /* Show hamburger button */
    .db-hamburger {
        display: flex !important;
    }
    /* Slide sidebar off-screen */
    .db-sidebar {
        transform: translateX(-100%);
        z-index: 300;
        box-shadow: 8px 0 40px rgba(10,22,40,0.35);
    }

        .db-sidebar.open {
            transform: translateX(0);
        }
    /* Topbar spans full width */
    .db-topbar {
        left: 0 !important;
    }
    /* Main fills full width */
    .db-main {
        margin-left: 0 !important;
        padding: 24px 20px;
    }
    /* Breadcrumb: hide on tablet */
    .db-breadcrumb {
        display: none;
    }
}

/* ── Dashboard page grids ── */
@media (max-width: 768px) {
    /* Stats row: 2 cols */
    .db-stats-row {
        grid-template-columns: repeat(2, 1fr) !important;
    }
    /* Support grid: stack */
    .support-grid {
        grid-template-columns: 1fr !important;
    }
    /* Welcome banner: stack */
    .db-welcome {
        flex-direction: column;
        align-items: flex-start;
    }

    .db-welcome-badge {
        align-self: flex-start;
    }
    /* Settings tabs: scroll horizontally */
    .settings-tabs {
        width: 100%;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
        flex-wrap: nowrap;
        scrollbar-width: none;
    }

        .settings-tabs::-webkit-scrollbar {
            display: none;
        }

    .settings-tab {
        flex-shrink: 0;
        padding: 10px 16px;
        font-size: 13px;
    }
    /* Form grids: single col */
    .db-form-grid,
    .settings-form-grid {
        grid-template-columns: 1fr !important;
    }
    /* Avatar section: stack */
    .avatar-section {
        flex-direction: column;
        align-items: flex-start;
    }
    /* Card body padding tighter */
    .db-card-body {
        padding: 20px !important;
    }
    /* Topbar user name: hide */
    .db-user-name {
        display: none;
    }
    /* Topbar padding tighter */
    .db-topbar {
        padding: 0 16px;
    }
    /* Loan table scroll */
    .loan-table-wrap {
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }

    .loan-table {
        min-width: 560px;
    }
    /* Main padding */
    .db-main {
        padding: 18px 14px;
    }
}

/* ── Mobile: extra small ── */
@media (max-width: 480px) {
    /* Stats: single col */
    .db-stats-row {
        grid-template-columns: 1fr !important;
    }
    /* Page title smaller */
    .db-page-title {
        font-size: 16px;
    }
    /* Notification btn: hide on very small */
    .db-notif-btn {
        display: none;
    }
    /* Dropdown min-width */
    .db-user-dropdown {
        min-width: 180px;
        right: -10px;
    }
    /* Main padding minimal */
    .db-main {
        padding: 14px 12px;
    }
    /* Card header wrapping */
    .db-card-header {
        flex-wrap: wrap;
        gap: 10px;
    }
    /* Settings tabs font size */
    .settings-tab {
        padding: 9px 12px;
        font-size: 12px;
    }
}