:root {
  --bg: #e9eef5;
  --surface: #ffffff;
  --ink: #0e223d;
  --muted: #536684;
  --brand: #0a2e57;
  --brand-2: #16497a;
  --accent: #9f7a2f;
  --border: #cfdae8;
  --shadow: 0 16px 34px rgba(8, 26, 49, 0.1);
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Manrope", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at 10% 0%, rgba(22, 73, 122, 0.16), transparent 32%),
    radial-gradient(circle at 92% 10%, rgba(10, 46, 87, 0.14), transparent 27%),
    linear-gradient(180deg, rgba(255, 255, 255, 0.52), rgba(233, 240, 249, 0.72)),
    var(--bg);
  line-height: 1.55;
  position: relative;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    repeating-linear-gradient(
      110deg,
      rgba(255, 255, 255, 0.22) 0,
      rgba(255, 255, 255, 0.22) 1px,
      transparent 1px,
      transparent 26px
    );
  opacity: 0.28;
  z-index: -2;
}

body::after {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background:
    radial-gradient(circle at 15% 80%, rgba(31, 78, 128, 0.1), transparent 28%),
    radial-gradient(circle at 86% 78%, rgba(159, 122, 47, 0.09), transparent 26%);
  z-index: -1;
}

.container {
  width: min(1120px, 92%);
  margin: 0 auto;
}

.top-info-bar {
  background: #062446;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-info-wrap {
  min-height: 42px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.top-info-wrap p {
  margin: 0;
  color: #d4e4f8;
  font-size: 0.8rem;
  letter-spacing: 0.02em;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(10px);
  background: rgba(233, 238, 245, 0.93);
  border-bottom: 1px solid rgba(21, 34, 56, 0.08);
}

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

.brand {
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.brand-mark {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.86rem;
  font-weight: 800;
  letter-spacing: 0.03em;
  color: #fff;
  background: linear-gradient(145deg, #0a2e57, #1b4f84);
}

.brand-text {
  color: var(--ink);
  font-size: 1.04rem;
  font-weight: 800;
  letter-spacing: 0.01em;
}

nav {
  display: flex;
  gap: 1.2rem;
}

nav a {
  text-decoration: none;
  color: #435775;
  font-weight: 700;
  font-size: 0.92rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  padding: 0.24rem 0.2rem;
}

nav a:hover {
  color: var(--brand);
}

.hero {
  position: relative;
  overflow: clip;
  padding: 4.6rem 0 3.4rem;
  isolation: isolate;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(120deg, rgba(10, 46, 87, 0.07), rgba(27, 79, 132, 0.02) 42%, transparent 75%),
    linear-gradient(180deg, rgba(255, 255, 255, 0.4), rgba(234, 241, 249, 0.25));
  z-index: -2;
}

.hero::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -1px;
  height: 120px;
  background: linear-gradient(to top, rgba(233, 238, 245, 0.92), rgba(233, 238, 245, 0));
  z-index: -1;
}

.hero-bg-shape {
  position: absolute;
  right: -8rem;
  top: -3rem;
  width: 430px;
  height: 430px;
  border-radius: 50%;
  background: linear-gradient(145deg, rgba(10, 46, 87, 0.24), rgba(27, 79, 132, 0.18));
  filter: blur(4px);
  z-index: -1;
  animation: float 10s ease-in-out infinite;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 2.4rem;
  align-items: center;
}

.hero-right {
  display: grid;
  gap: 1rem;
}

.hero-visual {
  position: relative;
  border-radius: 1.15rem;
  overflow: hidden;
  border: 1px solid #c9d8ea;
  box-shadow: 0 22px 40px rgba(8, 26, 49, 0.22);
  min-height: 360px;
}

.hero-main-image {
  width: 100%;
  height: 100%;
  min-height: 360px;
  object-fit: cover;
  display: block;
  filter: saturate(1.02) contrast(1.02);
}

.hero-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(140deg, rgba(9, 38, 70, 0.52), rgba(9, 38, 70, 0.05) 55%);
  pointer-events: none;
}

.float-card {
  position: absolute;
  display: flex;
  gap: 0.62rem;
  align-items: center;
  width: min(250px, calc(100% - 1.5rem));
  padding: 0.5rem;
  border-radius: 0.78rem;
  border: 1px solid rgba(255, 255, 255, 0.42);
  background: rgba(250, 253, 255, 0.92);
  box-shadow: 0 12px 24px rgba(8, 26, 49, 0.2);
  z-index: 1;
}

.float-card img {
  width: 52px;
  height: 52px;
  border-radius: 0.55rem;
  object-fit: cover;
  display: block;
}

.float-card p {
  margin: 0;
  font-size: 0.76rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: #4f6788;
  font-weight: 700;
}

.float-card strong {
  display: block;
  margin-top: 0.12rem;
  font-size: 0.9rem;
  color: #0f2e52;
}

.float-card-a {
  top: 1rem;
  left: 1rem;
  animation: floatCardA 6.4s ease-in-out infinite;
}

.float-card-b {
  right: 1rem;
  bottom: 1rem;
  animation: floatCardB 7s ease-in-out infinite;
}

.loan-snapshot-card {
  backdrop-filter: blur(2px);
}

.eyebrow {
  margin: 0;
  color: #1f4e80;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 0.8rem;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.14;
}

h1,
h2 {
  font-family: "Fraunces", serif;
}

h1 {
  margin-top: 0.7rem;
  font-size: clamp(2rem, 4.2vw, 3.3rem);
  max-width: 12ch;
}

.hero-copy > p {
  margin: 1.1rem 0 1.5rem;
  max-width: 56ch;
  color: var(--muted);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-bottom: 1rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid transparent;
  border-radius: 0.65rem;
  padding: 0.75rem 1.15rem;
  text-decoration: none;
  font-weight: 700;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  color: #fff;
  background: linear-gradient(135deg, #0a2e57, #1b4f84);
  box-shadow: 0 12px 24px rgba(10, 46, 87, 0.24);
}

.btn-ghost {
  color: var(--ink);
  border-color: var(--border);
  background: rgba(255, 255, 255, 0.9);
}

.trust-points {
  margin: 0.8rem 0 0;
  padding-left: 1.1rem;
  color: var(--muted);
}

.trust-points li {
  margin-bottom: 0.35rem;
}

.hero-card,
.feature-card,
.calc-card,
.apply-form,
.process-card {
  background: linear-gradient(180deg, #ffffff, #f9fcff);
  border: 1px solid var(--border);
  border-radius: 1rem;
  box-shadow: var(--shadow);
}

.hero-card {
  padding: 1.4rem 1.2rem;
  position: relative;
}

.hero-card h2 {
  font-size: 1.3rem;
  margin-bottom: 0.9rem;
}

.stat-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 0;
  border-bottom: 1px dashed var(--border);
}

.stat-row span {
  color: var(--muted);
  font-size: 0.92rem;
}

.fine-print {
  margin: 1rem 0 0;
  font-size: 0.82rem;
  color: var(--muted);
}

.assurance-strip {
  padding: 0.75rem 0 0.55rem;
  position: relative;
}

.assurance-strip::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 0;
  height: 100%;
  background: linear-gradient(180deg, rgba(229, 237, 247, 0.3), rgba(255, 255, 255, 0));
  z-index: -1;
}

.assurance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.8rem;
}

.assurance-grid p {
  margin: 0;
  border: 1px solid #cfdced;
  background: linear-gradient(180deg, #f9fbff, #edf3fa);
  border-radius: 0.85rem;
  padding: 0.82rem 0.9rem;
  font-size: 0.9rem;
  color: #29496f;
  text-align: center;
}

.premium-banners {
  padding-top: 1.3rem;
}

.banner-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.banner-card {
  position: relative;
  min-height: 280px;
  border-radius: 1rem;
  overflow: hidden;
  border: 1px solid #c8d8ea;
  box-shadow: 0 22px 34px rgba(8, 26, 49, 0.2);
  isolation: isolate;
}

.banner-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transform: scale(1.02);
  animation: imageDrift 14s ease-in-out infinite;
}

.banner-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(7, 30, 55, 0.18), rgba(7, 30, 55, 0.72));
  z-index: 1;
}

.banner-card::after {
  content: "";
  position: absolute;
  top: -120%;
  left: -50%;
  width: 60%;
  height: 320%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.22), transparent);
  transform: rotate(18deg);
  animation: shimmerSweep 6.5s linear infinite;
  z-index: 2;
}

.banner-overlay {
  position: absolute;
  left: 1.1rem;
  right: 1.1rem;
  bottom: 1.1rem;
  z-index: 3;
}

.banner-overlay h3 {
  margin-top: 0.45rem;
  font-size: clamp(1.15rem, 2.4vw, 1.65rem);
  color: #fff;
}

.banner-overlay .eyebrow {
  color: #d9e9ff;
}

.section {
  padding: 3rem 0;
}

.section-head h2 {
  margin-top: 0.6rem;
  font-size: clamp(1.6rem, 3.2vw, 2.35rem);
}

.subtext {
  margin-top: 0.8rem;
  color: var(--muted);
  max-width: 64ch;
}

.feature-grid {
  margin-top: 1.45rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.feature-card {
  padding: 1.25rem;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 34px rgba(8, 26, 49, 0.14);
}

.feature-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.feature-card p {
  margin: 0;
  color: var(--muted);
}

.process {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.72), rgba(227, 236, 247, 0.52));
  border-top: 1px solid rgba(16, 36, 63, 0.06);
  border-bottom: 1px solid rgba(16, 36, 63, 0.06);
  position: relative;
  overflow: hidden;
}

.process::before {
  content: "";
  position: absolute;
  top: -80px;
  right: -120px;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(22, 73, 122, 0.15), transparent 65%);
  z-index: 0;
}

.process .container {
  position: relative;
  z-index: 1;
}

.process-grid {
  margin-top: 1.4rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.process-card {
  padding: 1.25rem;
}

.process-card span {
  display: inline-block;
  min-width: 42px;
  text-align: center;
  font-weight: 800;
  color: #143f6a;
  border: 1px solid #bed0e6;
  border-radius: 999px;
  padding: 0.24rem 0.52rem;
  margin-bottom: 0.7rem;
  background: linear-gradient(180deg, #f9fcff, #edf4fd);
}

.process-card h3 {
  margin-bottom: 0.5rem;
}

.process-card p {
  margin: 0;
  color: var(--muted);
}

.documents {
  background: linear-gradient(180deg, rgba(247, 251, 255, 0.75), rgba(231, 239, 248, 0.45));
  border-top: 1px solid rgba(16, 36, 63, 0.06);
  border-bottom: 1px solid rgba(16, 36, 63, 0.06);
}

.documents-grid {
  margin-top: 1.35rem;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}

.document-card {
  background: linear-gradient(180deg, #ffffff, #f7fbff);
  border: 1px solid var(--border);
  border-radius: 0.95rem;
  padding: 1.1rem;
  box-shadow: var(--shadow);
}

.document-card h3 {
  font-size: 1.02rem;
  margin-bottom: 0.45rem;
}

.document-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.testimonials {
  background: linear-gradient(180deg, rgba(231, 238, 247, 0.62), rgba(255, 255, 255, 0.84));
  position: relative;
  overflow: hidden;
}

.testimonials::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 8% 30%, rgba(10, 46, 87, 0.08), transparent 30%),
    radial-gradient(circle at 92% 70%, rgba(159, 122, 47, 0.08), transparent 26%);
  z-index: 0;
}

.testimonials .container {
  position: relative;
  z-index: 1;
}

.cta-banner {
  position: relative;
  overflow: hidden;
  padding: 3.1rem 0;
}

.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(125deg, rgba(6, 30, 57, 0.78), rgba(11, 53, 95, 0.72)),
    url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1600&q=80");
  background-size: cover;
  background-position: center;
  transform: scale(1.05);
  animation: slowZoom 16s ease-in-out infinite alternate;
  z-index: 0;
}

.cta-banner::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 18% 50%, rgba(159, 122, 47, 0.2), transparent 34%),
    radial-gradient(circle at 85% 30%, rgba(255, 255, 255, 0.12), transparent 28%);
  z-index: 0;
}

.cta-banner-inner {
  position: relative;
  z-index: 1;
  max-width: 780px;
  color: #edf4ff;
}

.cta-banner-inner .eyebrow {
  color: #b8d3f4;
}

.cta-banner-inner h2 {
  margin-top: 0.5rem;
  font-size: clamp(1.7rem, 3.6vw, 2.65rem);
  color: #ffffff;
}

.cta-banner-inner p {
  margin: 0.95rem 0 1.2rem;
  color: #d9e6f7;
  max-width: 62ch;
}

.testimonial-arrow-wrap {
  margin-top: 1.2rem;
  display: flex;
  justify-content: flex-end;
}

.testimonial-arrow-btn {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 1px solid #bfd0e5;
  background: linear-gradient(180deg, #fafdff, #edf3fb);
  color: #1a3f68;
  font-size: 1.35rem;
  line-height: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, opacity 160ms ease;
}

.testimonial-arrow-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 18px rgba(8, 26, 49, 0.12);
}

.testimonial-arrow-btn:disabled {
  opacity: 0.45;
  cursor: not-allowed;
  transform: none;
  box-shadow: none;
}

.testimonials-viewport {
  margin-top: 0.95rem;
  overflow: hidden;
  border-radius: 1rem;
}

.testimonials-track {
  display: flex;
  transition: transform 420ms cubic-bezier(0.22, 0.61, 0.36, 1);
  will-change: transform;
}

.testimonial-card {
  background: linear-gradient(180deg, #ffffff, #f8fbff);
  border: 1px solid var(--border);
  border-radius: 0.95rem;
  padding: 1rem;
  margin-right: 0.9rem;
  min-height: 245px;
  box-shadow: 0 12px 24px rgba(8, 26, 49, 0.08);
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.testimonial-card:last-child {
  margin-right: 0;
}

.testimonial-stars {
  margin: 0 0 0.62rem;
  letter-spacing: 0.08em;
  color: #b6872d;
  font-size: 0.92rem;
  font-weight: 700;
}

.testimonial-stars strong {
  letter-spacing: 0;
  color: #1f4d7c;
  margin-left: 0.3rem;
}

.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 28px rgba(16, 36, 63, 0.13);
}

.testimonial-card p {
  margin: 0 0 0.8rem;
  color: #2a4568;
  font-size: 0.93rem;
}

.testimonial-card h3 {
  font-size: 0.98rem;
  margin-bottom: 0.18rem;
}

.testimonial-card span {
  color: var(--muted);
  font-size: 0.82rem;
}

.calc-grid,
.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  align-items: start;
}

.calc-card,
.apply-form {
  padding: 1.2rem;
}

.calc-form,
.apply-form {
  display: grid;
  gap: 0.85rem;
}

label {
  display: grid;
  gap: 0.35rem;
  font-weight: 600;
  color: var(--ink);
}

input {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 0.6rem;
  padding: 0.72rem 0.75rem;
  font: inherit;
  color: var(--ink);
  background: #fff;
}

input:focus {
  outline: 2px solid rgba(10, 46, 87, 0.2);
  border-color: var(--brand);
}

.emi-result,
.form-message {
  margin-top: 0.9rem;
  background: #f3f8ff;
  border: 1px solid #cbdbf1;
  border-radius: 0.6rem;
  padding: 0.82rem;
  color: var(--ink);
  min-height: 48px;
}

.faq {
  background: linear-gradient(180deg, rgba(232, 240, 249, 0.52), rgba(255, 255, 255, 0.82));
}

.faq-list {
  margin-top: 1.2rem;
  display: grid;
  gap: 0.75rem;
}

.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 0.8rem;
  padding: 0.85rem 0.95rem;
  box-shadow: 0 8px 18px rgba(8, 26, 49, 0.07);
}

.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: #173e68;
}

.faq-item p {
  margin: 0.65rem 0 0;
  color: var(--muted);
}

.site-footer {
  margin-top: 2rem;
  border-top: 1px solid rgba(21, 34, 56, 0.08);
  background: #d6e3f0;
}

.footer-wrap {
  padding: 2rem 0 1rem;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 1rem;
  color: #3c5473;
}

.footer-col {
  display: grid;
  gap: 0.35rem;
}

.footer-col p {
  margin: 0;
  font-size: 0.9rem;
}

.footer-title {
  font-weight: 800;
  color: #153a62;
}

.footer-col a {
  color: #2b4f79;
  text-decoration: none;
  font-size: 0.9rem;
}

.footer-col a:hover {
  text-decoration: underline;
}

.footer-bottom {
  border-top: 1px solid rgba(21, 34, 56, 0.12);
  min-height: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.footer-bottom p {
  margin: 0;
  font-size: 0.85rem;
  color: #4a6180;
}

.reveal-up {
  opacity: 0;
  transform: translateY(14px);
  animation: revealUp 620ms ease forwards;
}

.delay-1 {
  animation-delay: 140ms;
}

.delay-2 {
  animation-delay: 260ms;
}

@keyframes revealUp {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes float {
  0%,
  100% {
    transform: translateY(0px);
  }
  50% {
    transform: translateY(10px);
  }
}

@keyframes floatCardA {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(8px);
  }
}

@keyframes floatCardB {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

@keyframes imageDrift {
  0%,
  100% {
    transform: scale(1.02) translateY(0);
  }
  50% {
    transform: scale(1.06) translateY(-6px);
  }
}

@keyframes shimmerSweep {
  0% {
    transform: translateX(-180%) rotate(18deg);
  }
  100% {
    transform: translateX(360%) rotate(18deg);
  }
}

@keyframes slowZoom {
  0% {
    transform: scale(1.04) translateX(0);
  }
  100% {
    transform: scale(1.1) translateX(-1.1%);
  }
}

@media (max-width: 980px) {
  .hero-grid,
  .banner-grid,
  .feature-grid,
  .process-grid,
  .documents-grid,
  .assurance-grid,
  .calc-grid,
  .apply-grid {
    grid-template-columns: 1fr;
  }

  nav {
    gap: 0.8rem;
  }

  .footer-wrap {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
    padding: 1.4rem 0 0.8rem;
  }

  .footer-bottom {
    flex-direction: column;
    justify-content: center;
    text-align: center;
    padding: 0.7rem 0;
  }

  .hero-visual,
  .hero-main-image {
    min-height: 320px;
  }

  .banner-card {
    min-height: 250px;
  }

  .testimonial-arrow-wrap {
    justify-content: center;
  }
}

@media (max-width: 580px) {
  .nav-wrap {
    flex-wrap: wrap;
    gap: 0.7rem;
    padding: 0.65rem 0;
  }

  nav {
    width: 100%;
    justify-content: space-between;
    flex-wrap: wrap;
  }

  h1 {
    max-width: none;
  }

  .hero-visual,
  .hero-main-image {
    min-height: 280px;
  }

  .banner-card {
    min-height: 220px;
  }

  .float-card {
    width: calc(100% - 1.2rem);
    left: 0.6rem;
    right: auto;
  }

  .float-card-b {
    bottom: 0.6rem;
  }

  .top-info-wrap {
    min-height: auto;
    padding: 0.45rem 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 0.2rem;
  }
}