:root {
  --navy: #0B1E3D;
  --navy-mid: #183060;
  --gold: #C8922A;
  --gold-light: #E8B85A;
  --cream: #F9F5EE;
  --white: #FFFFFF;
  --gray: #6B7280;
  --light-gray: #F3F4F6;
  --success: #10B981;
  --danger: #EF4444;
  --border: #E5E7EB;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; width: 100%; max-width: 100%; overflow-x: hidden; }
body { font-family: 'Nunito Sans', sans-serif; background: var(--white); color: var(--navy); overflow-x: hidden; width: 100%; max-width: 100vw; }

/* ── NAV ── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(11,30,61,0.97); backdrop-filter: blur(12px);
  padding: 0 5%; display: flex; align-items: center; justify-content: space-between;
  height: 70px; border-bottom: 1px solid rgba(200,146,42,0.25);
}
.logo-wrap { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo-svg { width: 42px; height: 42px; }
.logo-text { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; color: var(--white); line-height: 1; }
.logo-text span { color: var(--gold); }
.logo-sub { font-size: 0.62rem; color: rgba(255,255,255,0.5); letter-spacing: 2px; text-transform: uppercase; }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.82); text-decoration: none; font-size: 0.9rem; font-weight: 600; letter-spacing: 0.3px; transition: color .2s; }
.nav-links a:hover { color: var(--gold-light); }
.nav-cta { background: var(--gold); color: var(--navy); padding: 10px 24px; border-radius: 6px; font-weight: 700; font-size: 0.88rem; text-decoration: none; transition: background .2s; }
.nav-cta:hover { background: var(--gold-light); }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.hamburger span { width: 26px; height: 2px; background: var(--white); border-radius: 2px; transition: all .3s; }

/* ── HERO ── */
.hero {
  min-height: 100vh; background: linear-gradient(135deg, #0B1E3D 0%, #183060 55%, #0B2550 100%);
  display: flex; align-items: center; padding: 100px 5% 60px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: -120px; right: -120px;
  width: 600px; height: 600px; border-radius: 50%;
  background: radial-gradient(circle, rgba(200,146,42,0.12) 0%, transparent 70%);
}
.hero::after {
  content: ''; position: absolute; bottom: -80px; left: 5%;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(200,146,42,0.07) 0%, transparent 70%);
}
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; max-width: 1200px; margin: 0 auto; width: 100%; position: relative; z-index: 1; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(200,146,42,0.15); border: 1px solid rgba(200,146,42,0.4); border-radius: 100px; padding: 6px 16px; margin-bottom: 24px; }
.hero-badge span { color: var(--gold-light); font-size: 0.8rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; }
.hero-badge::before { content: '✦'; color: var(--gold); font-size: 0.7rem; }
.hero-badge.wave { overflow: hidden; position: relative; }
.hero-badge.wave::after {
  content: '';
  position: absolute;
  inset: 0;
  transform: translateX(-120%);
  background: linear-gradient(110deg, transparent 0%, rgba(255,255,255,0.45) 50%, transparent 100%);
  animation: waveGlow 2.8s ease-in-out infinite;
}
@keyframes waveGlow {
  0%, 20% { transform: translateX(-120%); }
  60% { transform: translateX(120%); }
  100% { transform: translateX(120%); }
}
.hero h1 { font-family: 'Cormorant Garamond', serif; font-size: clamp(2.4rem, 4vw, 3.6rem); font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 20px; }
.hero h1 em { color: var(--gold-light); font-style: normal; }
.hero p { color: rgba(255,255,255,0.72); font-size: 1.05rem; line-height: 1.75; margin-bottom: 36px; max-width: 480px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.btn-primary { background: var(--gold); color: var(--navy); padding: 15px 32px; border-radius: 8px; font-weight: 800; font-size: 0.95rem; text-decoration: none; border: none; cursor: pointer; transition: all .25s; display: inline-block; }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,146,42,0.35); }
.btn-primary.btn-glow {
  animation: primaryGlow 2.2s ease-in-out infinite;
  box-shadow: 0 0 0 rgba(232,184,90,0.35);
}
.btn-primary.btn-glow:hover {
  animation-duration: 1.2s;
  box-shadow: 0 12px 30px rgba(232,184,90,0.45);
}
@keyframes primaryGlow {
  0%, 100% { box-shadow: 0 0 0 0 rgba(232,184,90,0.15), 0 8px 20px rgba(200,146,42,0.25); }
  50% { box-shadow: 0 0 0 8px rgba(232,184,90,0.05), 0 14px 34px rgba(200,146,42,0.45); }
}
.btn-outline { background: transparent; color: var(--white); padding: 14px 30px; border-radius: 8px; font-weight: 700; font-size: 0.95rem; text-decoration: none; border: 1.5px solid rgba(255,255,255,0.35); cursor: pointer; transition: all .25s; display: inline-block; }
.btn-outline:hover { border-color: var(--gold-light); color: var(--gold-light); }

/* Stats bar */
.stats-bar { display: flex; gap: 0; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; margin-top: 44px; overflow: hidden; }
.stat-item { flex: 1; padding: 18px 20px; text-align: center; border-right: 1px solid rgba(255,255,255,0.1); }
.stat-item:last-child { border-right: none; }
.stat-num { font-family: 'Cormorant Garamond', serif; font-size: 1.8rem; font-weight: 700; color: var(--gold-light); }
.stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.8px; margin-top: 2px; }

/* Hero card */
.hero-card { background: var(--white); border-radius: 20px; padding: 36px; box-shadow: 0 30px 80px rgba(0,0,0,0.3); }
.hero-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.5rem; color: var(--navy); margin-bottom: 6px; }
.hero-card p { color: var(--gray); font-size: 0.88rem; margin-bottom: 28px; }
.quick-form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.quick-form label { display: block; font-size: 0.78rem; font-weight: 700; color: var(--navy); margin-bottom: 5px; letter-spacing: 0.3px; }
.quick-form input, .quick-form select { width: 100%; padding: 11px 14px; border: 1.5px solid var(--border); border-radius: 7px; font-size: 0.9rem; font-family: inherit; color: var(--navy); transition: border-color .2s; outline: none; }
.quick-form input:focus, .quick-form select:focus { border-color: var(--gold); }
.quick-form .full { grid-column: 1 / -1; }
.loan-type-btns { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px; }
.loan-type-btn { padding: 10px; border: 1.5px solid var(--border); border-radius: 7px; font-weight: 700; font-size: 0.85rem; color: var(--gray); cursor: pointer; text-align: center; transition: all .2s; background: var(--light-gray); }
.loan-type-btn.active, .loan-type-btn:hover { border-color: var(--gold); color: var(--navy); background: rgba(200,146,42,0.08); }
.trustline { display: flex; align-items: center; gap: 8px; margin-top: 14px; color: var(--gray); font-size: 0.78rem; }
.trustline::before { content: '🔒'; }

/* ── SECTION SHARED ── */
section { padding: 90px 5%; }
.section-tag { display: inline-block; background: rgba(200,146,42,0.1); color: var(--gold); font-size: 0.75rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; padding: 5px 14px; border-radius: 100px; border: 1px solid rgba(200,146,42,0.25); margin-bottom: 16px; }
.section-title { font-family: 'Cormorant Garamond', serif; font-size: clamp(1.9rem, 3vw, 2.8rem); font-weight: 700; color: var(--navy); line-height: 1.2; margin-bottom: 14px; }
.section-sub { color: var(--gray); font-size: 1rem; line-height: 1.7; max-width: 560px; }
.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto; }

/* ── SERVICES ── */
.services { background: var(--cream); }
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 28px; margin-top: 56px; }
.service-card { background: var(--white); border-radius: 16px; padding: 36px; border: 1px solid var(--border); transition: all .3s; position: relative; overflow: hidden; }
.service-card::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--navy), var(--gold)); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.service-card:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(11,30,61,0.12); }
.service-card:hover::after { transform: scaleX(1); }
.service-icon { width: 56px; height: 56px; background: linear-gradient(135deg, var(--navy), var(--navy-mid)); border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 1.6rem; margin-bottom: 22px; }
.service-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; margin-bottom: 12px; }
.service-card p { color: var(--gray); font-size: 0.93rem; line-height: 1.7; margin-bottom: 22px; }
.service-features { list-style: none; display: flex; flex-direction: column; gap: 8px; margin-bottom: 28px; }
.service-features li { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; color: var(--navy); }
.service-features li::before { content: '✓'; width: 20px; height: 20px; background: rgba(16,185,129,0.1); color: var(--success); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.75rem; font-weight: 700; flex-shrink: 0; }
.service-amount { display: flex; justify-content: space-between; padding: 14px 16px; background: var(--cream); border-radius: 8px; margin-bottom: 22px; }
.amount-label { font-size: 0.78rem; color: var(--gray); }
.amount-value { font-family: 'Cormorant Garamond', serif; font-size: 1.15rem; font-weight: 700; color: var(--navy); }
.btn-card { display: block; text-align: center; background: var(--navy); color: var(--white); padding: 13px; border-radius: 8px; font-weight: 700; font-size: 0.9rem; text-decoration: none; transition: background .2s; border: none; cursor: pointer; width: 100%; }
.btn-card:hover { background: var(--gold); color: var(--navy); }

/* ── HOW IT WORKS ── */
.how-steps { display: grid; grid-template-columns: repeat(4, minmax(200px, 1fr)); gap: 0; margin-top: 60px; position: relative; }
.how-steps::before {
  content: '';
  position: absolute;
  top: 56px;
  left: 12.5%;
  right: 12.5%;
  height: 3px;
  background: rgba(24,48,96,0.2);
  z-index: 0;
}
.how-steps::after {
  content: '';
  position: absolute;
  top: 56px;
  left: 12.5%;
  width: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--navy-mid) 100%);
  z-index: 0;
  animation: howLineFlow 8s ease-in-out infinite;
}
@keyframes howLineFlow {
  0%, 8% { width: 0; }
  65%, 100% { width: 75%; }
}
.step { text-align: center; padding: 20px; position: relative; z-index: 1; }
.step-num {
  width: 72px; height: 72px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border: 3px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-family: 'Nunito Sans', sans-serif;
  font-size: 1.18rem; font-weight: 800; color: var(--gold);
  transform: scale(1);
  box-shadow: 0 0 0 rgba(200,146,42,0);
  animation: stepPop 8s ease-in-out infinite;
}
.step:nth-child(1) .step-num { animation-delay: 0s; }
.step:nth-child(2) .step-num { animation-delay: 2s; }
.step:nth-child(3) .step-num { animation-delay: 3.6s; }
.step:nth-child(4) .step-num { animation-delay: 4.8s; }
@keyframes stepPop {
  0%, 70%, 100% {
    transform: scale(1);
    box-shadow: 0 0 0 rgba(200,146,42,0);
    font-size: 1.18rem;
  }
  8%, 12% {
    transform: scale(1.14);
    box-shadow: 0 0 0 10px rgba(200,146,42,0.12), 0 10px 28px rgba(11,30,61,0.22);
    font-size: 1.6rem;
  }
  16% {
    transform: scale(1);
    box-shadow: 0 0 0 rgba(200,146,42,0);
    font-size: 1.18rem;
  }
}
.step h4 { font-family: 'Cormorant Garamond', serif; font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 0.86rem; color: var(--gray); line-height: 1.6; }

/* ── EMI CALCULATOR ── */
.emi-section { background: linear-gradient(135deg, #0B1E3D, #183060); }
.emi-section .section-title, .emi-section .section-tag { color: var(--white); }
.emi-section .section-tag { background: rgba(200,146,42,0.2); }
.emi-section .section-sub { color: rgba(255,255,255,0.65); }
.emi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; margin-top: 50px; }
.emi-inputs { display: flex; flex-direction: column; gap: 24px; }
.emi-field label { display: flex; justify-content: space-between; font-size: 0.85rem; font-weight: 700; color: rgba(255,255,255,0.8); margin-bottom: 10px; }
.emi-field label span { color: var(--gold-light); font-family: 'Cormorant Garamond', serif; font-size: 1.1rem; }
.range-input { width: 100%; -webkit-appearance: none; height: 5px; background: rgba(255,255,255,0.15); border-radius: 3px; outline: none; }
.range-input::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--gold); cursor: pointer; box-shadow: 0 0 0 4px rgba(200,146,42,0.2); }
.emi-result { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 20px; padding: 36px; }
.emi-monthly { font-family: 'Cormorant Garamond', serif; font-size: 3rem; font-weight: 700; color: var(--gold-light); margin-bottom: 6px; }
.emi-label { font-size: 0.8rem; color: rgba(255,255,255,0.5); letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 28px; }
.emi-breakdown { display: flex; flex-direction: column; gap: 14px; }
.emi-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.emi-row:last-child { border-bottom: none; }
.emi-row span:first-child { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.emi-row span:last-child { font-weight: 700; color: var(--white); }

/* ── ABOUT ── */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.about-visual { position: relative; }
.about-card-main { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); border-radius: 20px; padding: 40px; color: var(--white); }
.about-card-main h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.8rem; font-weight: 700; margin-bottom: 16px; }
.about-card-main p { color: rgba(255,255,255,0.72); line-height: 1.75; font-size: 0.95rem; margin-bottom: 24px; }
.about-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.astat { background: rgba(255,255,255,0.07); border-radius: 10px; padding: 16px; text-align: center; }
.astat-num { font-family: 'Cormorant Garamond', serif; font-size: 1.6rem; font-weight: 700; color: var(--gold-light); }
.astat-label { font-size: 0.73rem; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.8px; margin-top: 3px; }
.float-badge { position: absolute; bottom: -20px; right: -20px; background: var(--gold); color: var(--navy); border-radius: 12px; padding: 14px 18px; font-weight: 800; font-size: 0.85rem; box-shadow: 0 8px 24px rgba(200,146,42,0.4); }
.about-content p { color: var(--gray); line-height: 1.8; margin-bottom: 20px; font-size: 0.97rem; }
.value-list { list-style: none; display: flex; flex-direction: column; gap: 16px; margin: 28px 0; }
.value-list li { display: flex; gap: 14px; align-items: flex-start; }
.value-icon { width: 36px; height: 36px; border-radius: 9px; background: rgba(200,146,42,0.1); border: 1px solid rgba(200,146,42,0.2); display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; }
.value-text h5 { font-weight: 700; font-size: 0.92rem; margin-bottom: 2px; }
.value-text p { font-size: 0.83rem; margin: 0; color: var(--gray); }

/* ── MULTI-STEP FORM MODAL ── */
.modal-overlay { position: fixed; inset: 0; background: rgba(11,30,61,0.75); z-index: 2000; display: flex; align-items: center; justify-content: center; padding: 20px; opacity: 0; pointer-events: none; transition: opacity .3s; }
.modal-overlay.active { opacity: 1; pointer-events: all; }
.modal {
  background: var(--navy);
  border-radius: 20px;
  width: min(640px, calc(100vw - 16px));
  max-width: 640px;
  max-height: 90vh;
  overflow: hidden;
  box-shadow: 0 40px 100px rgba(0,0,0,0.4);
  display: flex;
  flex-direction: column;
}
.modal-header { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); padding: 28px 32px 24px; border-radius: 20px 20px 0 0; }
.modal-header h2 { font-family: 'Cormorant Garamond', serif; font-size: 1.7rem; color: var(--white); }
.modal-header p { font-size: 0.85rem; color: rgba(255,255,255,0.65); margin-top: 4px; }
.modal-close { position: absolute; right: 20px; top: 20px; width: 36px; height: 36px; background: rgba(255,255,255,0.1); border: none; border-radius: 50%; cursor: pointer; color: var(--white); font-size: 1.1rem; display: flex; align-items: center; justify-content: center; }
/* Progress bar */
.progress-bar { display: flex; align-items: center; padding: 22px 32px; background: var(--cream); gap: 0; }
.progress-step { display: flex; align-items: center; flex: 1; }
.p-circle { width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.8rem; font-weight: 700; flex-shrink: 0; transition: all .3s; border: 2px solid var(--border); color: var(--gray); background: var(--white); }
.p-circle.done { background: var(--success); border-color: var(--success); color: var(--white); }
.p-circle.active { background: var(--navy); border-color: var(--navy); color: var(--white); }
.p-label { font-size: 0.72rem; font-weight: 700; margin-left: 8px; color: var(--gray); text-transform: uppercase; letter-spacing: 0.5px; }
.p-label.active { color: var(--navy); }
.p-line { flex: 1; height: 2px; background: var(--border); margin: 0 10px; }
.p-line.done { background: var(--success); }
/* Form body */
.modal-body {
  background: var(--white);
  padding: 30px 32px;
  flex: 1;
  overflow-y: auto;
  overflow-x: hidden;
  scroll-behavior: smooth;
  scrollbar-width: thin;
  scrollbar-color: rgba(24,48,96,0.55) rgba(24,48,96,0.12);
}
.modal-body::-webkit-scrollbar { width: 8px; }
.modal-body::-webkit-scrollbar-track { background: rgba(24,48,96,0.12); border-radius: 10px; }
.modal-body::-webkit-scrollbar-thumb { background: linear-gradient(180deg, var(--navy-mid), var(--navy)); border-radius: 10px; }
.modal-body::-webkit-scrollbar-thumb:hover { background: linear-gradient(180deg, var(--gold), var(--navy-mid)); }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeInUp .3s ease; }
@keyframes fadeInUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }
.step-title { font-family: 'Cormorant Garamond', serif; font-size: 1.3rem; font-weight: 700; color: var(--navy); margin-bottom: 22px; }
.fgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fgrid .fcol-full { grid-column: 1 / -1; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.8rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; letter-spacing: 0.3px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--border);
  border-radius: 8px; font-size: 0.92rem; font-family: inherit; color: var(--navy);
  transition: border-color .2s; outline: none; background: var(--white);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,146,42,0.1); }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; opacity: 0; pointer-events: none; }
.form-group.invalid input, .form-group.invalid select, .form-group.invalid textarea {
  border-color: var(--danger);
  box-shadow: 0 0 0 3px rgba(239,68,68,0.12);
  animation: shakeX .35s ease;
}
@keyframes shakeX {
  0%, 100% { transform: translateX(0); }
  25% { transform: translateX(-4px); }
  50% { transform: translateX(4px); }
  75% { transform: translateX(-2px); }
}
.step-alert {
  margin-bottom: 16px;
  padding: 10px 12px;
  border-radius: 8px;
  border: 1px solid rgba(239,68,68,0.3);
  background: rgba(239,68,68,0.08);
  color: #991b1b;
  font-size: 0.85rem;
  font-weight: 700;
  display: none;
  opacity: 0;
  transform: translateY(-6px);
}
.step-alert.show {
  display: block;
  animation: alertIn .25s ease forwards;
}
.step-alert.show + .fgrid { margin-top: 14px; }
@keyframes alertIn {
  to { opacity: 1; transform: translateY(0); }
}
.checkbox-group { display: flex; flex-direction: column; gap: 10px; }
.checkbox-item { display: flex; align-items: center; gap: 10px; }
.checkbox-item input[type="checkbox"] { width: 18px; height: 18px; accent-color: var(--navy); cursor: pointer; }
.checkbox-item label { font-size: 0.88rem; color: var(--navy); cursor: pointer; font-weight: 600; }
.radio-group { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.radio-card { border: 1.5px solid var(--border); border-radius: 8px; padding: 12px; text-align: center; cursor: pointer; transition: all .2s; }
.radio-card:hover, .radio-card.selected { border-color: var(--navy); background: rgba(11,30,61,0.04); }
.radio-card input { display: none; }
.radio-card .rc-label { font-size: 0.82rem; font-weight: 700; color: var(--navy); margin-top: 4px; }
.radio-card .rc-icon { font-size: 1.4rem; }
.modal-footer { background: var(--white); display: flex; justify-content: space-between; align-items: center; padding: 20px 32px; border-top: 1px solid var(--border); }
.btn-prev { background: transparent; border: 1.5px solid var(--border); color: var(--gray); padding: 12px 24px; border-radius: 8px; font-weight: 700; cursor: pointer; transition: all .2s; font-size: 0.9rem; }
.btn-prev:hover { border-color: var(--navy); color: var(--navy); }
.btn-next { background: var(--navy); color: var(--white); padding: 12px 28px; border-radius: 8px; font-weight: 700; cursor: pointer; transition: background .2s; border: none; font-size: 0.9rem; }
.btn-next:hover { background: var(--gold); color: var(--navy); }
.btn-next:disabled { opacity: 0.7; cursor: not-allowed; }
.step-counter { font-size: 0.82rem; color: var(--gray); }
/* Success */
.success-screen { text-align: center; padding: 20px; }
.success-icon { width: 80px; height: 80px; background: rgba(16,185,129,0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 24px; font-size: 2.4rem; }
.success-screen h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.8rem; color: var(--navy); margin-bottom: 12px; }
.success-screen p { color: var(--gray); line-height: 1.7; margin-bottom: 28px; }
.ref-box { background: var(--cream); border-radius: 10px; padding: 14px 20px; display: inline-block; }
.ref-box span { font-size: 0.78rem; color: var(--gray); }
.ref-box strong { font-family: 'Cormorant Garamond', serif; font-size: 1.3rem; color: var(--navy); display: block; }

/* ── CONTACT ── */
.contact { background: var(--cream); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 60px; margin-top: 50px; }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon { width: 46px; height: 46px; background: linear-gradient(135deg, var(--navy), var(--navy-mid)); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0; }
.contact-item h5 { font-weight: 700; margin-bottom: 4px; }
.contact-item p { font-size: 0.9rem; color: var(--gray); line-height: 1.6; }
.contact-item a { color: var(--navy); font-weight: 700; text-decoration: none; }
.contact-item a:hover { color: var(--gold); }
.contact-form-wrap { background: var(--white); border-radius: 16px; padding: 36px; border: 1px solid var(--border); }
.contact-form-wrap h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.5rem; margin-bottom: 22px; }
.contact-alert {
  margin-top: 12px;
  margin-bottom: 18px;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 0.86rem;
  font-weight: 700;
  display: none;
}
.contact-alert.error { display: block; color: #991b1b; background: rgba(239,68,68,0.08); border: 1px solid rgba(239,68,68,0.3); }
.contact-alert.success { display: block; color: #065f46; background: rgba(16,185,129,0.1); border: 1px solid rgba(16,185,129,0.35); }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,0.75); padding: 60px 5% 30px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 50px; margin-bottom: 40px; }
.footer-brand p { font-size: 0.88rem; line-height: 1.75; margin: 14px 0 22px; color: rgba(255,255,255,0.55); max-width: 280px; }
.social-links { display: flex; gap: 12px; }
.soc-btn { width: 36px; height: 36px; background: rgba(255,255,255,0.07); border-radius: 8px; display: flex; align-items: center; justify-content: center; text-decoration: none; color: rgba(255,255,255,0.7); font-size: 1rem; transition: background .2s; }
.soc-btn:hover { background: var(--gold); color: var(--navy); }
.footer-col h4 { font-family: 'Cormorant Garamond', serif; font-size: 1.1rem; color: var(--white); margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 0.875rem; transition: color .2s; }
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; }
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.4); }
.footer-badges { display: flex; gap: 12px; }
.f-badge { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); border-radius: 6px; padding: 5px 12px; font-size: 0.75rem; color: rgba(255,255,255,0.5); }

/* ── TRUST SECTION ── */
.trust { padding: 50px 5%; background: var(--white); }
.trust-inner { max-width: 1100px; margin: 0 auto; display: flex; align-items: center; gap: 40px; flex-wrap: wrap; justify-content: center; }
.trust-badge { display: flex; align-items: center; gap: 10px; color: var(--navy); font-weight: 700; font-size: 0.88rem; padding: 10px 20px; border: 1px solid var(--border); border-radius: 100px; }
.trust-badge span { font-size: 1.2rem; }

/* ── MOBILE ── */
@media (max-width: 900px) {
  .hero-grid, .emi-grid, .about-grid, .contact-grid { grid-template-columns: 1fr; }
  .hero-grid { gap: 28px; width: 100%; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .how-steps::before { display: none; }
  .how-steps::after { display: none; }
  .how-steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px 10px;
    margin-top: 34px;
  }
  .step { padding: 10px 6px; }
  .step h4 { font-size: 1rem; }
  .step p { font-size: 0.8rem; line-height: 1.5; }
  .nav-cta { display: none; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--navy); padding: 20px 5%; gap: 16px; z-index: 1001; border-bottom: 1px solid rgba(200,146,42,0.25); }
  .hamburger { display: flex; margin-left: auto; }
  .modal-overlay { align-items: flex-start; padding: 8px; }
  .modal { margin-top: 72px; max-height: calc(100vh - 80px); border-radius: 14px; }
  .progress-bar { padding: 12px 14px; overflow-x: auto; overscroll-behavior-x: contain; -webkit-overflow-scrolling: touch; }
  .progress-step { flex: 0 0 auto; min-width: max-content; }
  .p-line { min-width: 24px; margin: 0 6px; }
  .p-label { font-size: 0.65rem; }
}
@media (max-width: 600px) {
  .hero h1 { font-size: clamp(1.9rem, 10vw, 2.4rem); }
  .hero p { max-width: 100%; }
  .fgrid, .quick-form .form-row { grid-template-columns: 1fr; }
  .fgrid .fcol-full { grid-column: 1; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-bar { flex-direction: column; }
  .radio-group { grid-template-columns: 1fr; }
  section { padding: 60px 5%; }
  .modal-header { padding: 20px 16px; }
  .modal-header h2 { font-size: 1.45rem; }
  .modal-close { top: 12px; right: 12px; }
  .modal-body, .modal-footer { padding: 14px; }
  .progress-bar {
    padding: 12px 10px;
    display: grid;
    grid-template-columns: repeat(4, 78px);
    justify-content: center;
    gap: 12px;
    overflow: visible;
  }
  .progress-step {
    min-width: 0;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    text-align: center;
  }
  .p-line { display: none; }
  .p-circle { width: 30px; height: 30px; font-size: 0.86rem; }
  .p-label {
    margin-left: 0;
    margin-top: 6px;
    font-size: 0.58rem;
    line-height: 1.15;
    letter-spacing: 0.25px;
    white-space: nowrap;
  }
  .hero-btns { flex-direction: column; }
}