:root{
    --orange:#E5480A; --orange-dark:#C33D05;
    --navy:#0E3A6B; --navy-2:#123E74; --blue:#1E6FD9;
    --ink:#16233d; --muted:#647089; --bg:#f4f7fb; --card:#fff;
    --line:#e5eaf1; --star:#f5a623;
    --shadow:0 10px 35px rgba(16,40,80,.08);
    --shadow-lg:0 20px 55px rgba(16,40,80,.14);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{font-family:'Poppins',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}
  a{color:inherit;text-decoration:none}
  img{max-width:100%}
  .wrap{max-width:1500px;margin:0 auto;padding:0 20px}
  .wrap-full{max-width:1500px;margin:0 auto;padding:0 20px}
  section{padding:64px 0}
  .sec-title{text-align:center;font-size:30px;font-weight:700;margin-bottom:6px}
  .sec-title .u{display:block;width:70px;height:3px;background:var(--orange);margin:10px auto 0;border-radius:3px}
  .btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;padding:13px 26px;border-radius:8px;border:0;cursor:pointer;transition:.2s;font-family:inherit}
  .btn-orange{background:var(--orange);color:#fff}
  .btn-orange:hover{background:var(--orange-dark)}
  .btn-outline{background:transparent;border:2px solid var(--navy);color:var(--navy)}
  .btn-outline:hover{background:var(--navy);color:#fff}
  .btn-block{width:100%;justify-content:center}
  .arrow::after{content:"→"}

  /* ---------- Header ---------- */
  header{border-top:5px solid var(--orange);background:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(16,40,80,.06)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:78px;max-width:1500px;margin:0 auto;padding:0 20px}
  .logo{display:flex;align-items:center;gap:10px}
  .logo .mark{width:263px;    box-shadow: 4px 2px 15px 0px #0000008a;flex:none;display:block}
  .logo b{font-size:20px;font-weight:800;letter-spacing:.5px;line-height:1}
  .logo b em{color:var(--orange);font-style:normal}
  .logo small{display:block;font-size:9px;color:var(--muted);font-weight:500;letter-spacing:.4px;margin-top:2px}
  nav.menu{display:flex;gap:26px}
  nav.menu a{font-size:14.5px;font-weight:500;color:#33405c;position:relative}
  nav.menu a:hover,nav.menu a.active{color:var(--orange)}
  nav.menu a.active::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--orange)}
  .call{display:flex;align-items:center;gap:9px;background:var(--orange);color:#fff;padding:9px 18px;border-radius:9px;font-weight:600}
  .call small{display:block;font-size:11px;font-weight:400;opacity:.9}
  .call b{font-size:15px}
  .burger{display:none;font-size:26px;background:none;border:0;color:var(--navy);cursor:pointer}

  /* ---------- Hero ---------- */
  /* full-bleed hero with cross-fading photo slider; white fade left keeps text readable */
  .hero{position:relative;padding:56px 0 60px;overflow:hidden;background:linear-gradient(135deg,#dfeaf9,#f0f5fc)}
  .hero-slider{position:absolute;inset:0;z-index:0}
  .hero-slide{position:absolute;inset:0;background-position:center bottom;background-size:cover;background-repeat:no-repeat;opacity:0;transition:opacity 1.2s ease}
  .hero-slide.on{opacity:1}
  .hero-overlay{position:absolute;inset:0;z-index:1;pointer-events:none;
    background:linear-gradient(100deg,rgba(255,255,255,.94) 0%,rgba(255,255,255,.6) 34%,rgba(255,255,255,0) 54%)}
  .hero>.wrap,.hero-grid{position:relative;z-index:2}
  .hero-grid{position:relative;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:start;max-width:1500px;margin:0 auto;padding:0 20px}
  .hero h1{font-size:46px;line-height:1.12;font-weight:800;color:var(--navy)}
  .hero h1 .o{color:var(--orange)}
  .hero .tag{color:var(--blue);font-weight:700;font-size:20px;margin:12px 0 14px}
  .hero p.lead{color:#42506b;max-width:440px;margin-bottom:22px}
  .pills{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;max-width:660px;margin-bottom:26px}
  .pill{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.55);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.75);border-radius:10px;padding:10px 10px;box-shadow:var(--shadow)}
  .pill .ic{width:34px;height:34px;flex:none;border-radius:9px;display:grid;place-items:center;background:#fff1e0;color:var(--orange)}
  .pill .ic svg{width:18px;height:18px}
  .pill b{font-size:12px;font-weight:600;color:var(--navy);line-height:1.3}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap;padding-bottom:44px}

  /* form card */
  .form-card{background:#fff;border-radius:14px;box-shadow:var(--shadow-lg);padding:26px 24px;margin-top:-6px;width:440px;max-width:100%}
  .form-card h3{font-size:22px;color:var(--navy);font-weight:700;margin-bottom:18px}
  .field{position:relative;margin-bottom:14px}
  .field .fic{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--orange);width:18px;height:18px}
  .field input,.field select{width:100%;padding:13px 13px 13px 40px;border:1px solid var(--line);border-radius:9px;font-family:inherit;font-size:14.5px;color:var(--ink);background:#fbfcfe;transition:.15s}
  .field input:focus,.field select:focus{outline:none;border-color:var(--orange);background:#fff}
  .field select{padding-left:13px;appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23647089' stroke-width='3'><path d='M6 9l6 6 6-6'/></svg>");background-repeat:no-repeat;background-position:right 14px center}
  .two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
  .lbl{font-size:12px;color:var(--muted);margin-bottom:4px;display:block}
  .secure{display:flex;align-items:center;justify-content:center;gap:7px;color:var(--muted);font-size:12.5px;margin-top:14px}

  /* ---------- Stats ---------- */
  .stats{margin-top:-38px;position:relative;z-index:5}
  .stats-inner{background:#fff;border-radius:14px;box-shadow:var(--shadow-lg);display:grid;grid-template-columns:repeat(4,1fr);padding:26px 10px}
  .stat{display:flex;align-items:center;gap:14px;justify-content:center;border-right:1px solid var(--line)}
  .stat:last-child{border:0}
  .stat .ic{width:44px;height:44px;color:var(--blue)}
  .stat:nth-child(2n) .ic{color:var(--orange)}
  .stat b{font-size:24px;font-weight:800;color:var(--navy);display:block;line-height:1}
  .stat span{font-size:13px;color:var(--muted)}

  /* ---------- Products ---------- */
  .prod-grid{display:flex;gap:22px;margin-top:40px;overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding:14px 6px 18px}
  .prod-grid::-webkit-scrollbar{height:8px}
  .prod-grid::-webkit-scrollbar-thumb{background:#cfd9e8;border-radius:4px}
  .prod{flex:1 0 0;min-width:0;scroll-snap-align:start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:38px 24px;text-align:center;box-shadow:var(--shadow);transition:.22s}
  .prod:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:#dbe6f5}
  .prod .picon{width:92px;height:92px;max-width:100%;object-fit:contain;margin:0 auto 20px;display:block}
  .prod h4{font-size:21px;font-weight:700;margin-bottom:10px;color:var(--navy)}
  .prod:nth-child(2n) h4{color:var(--orange)}
  .prod p{font-size:15px;color:var(--muted);min-height:48px}
  .prod .apply{font-weight:600;font-size:15px;color:var(--blue);margin-top:14px;display:inline-flex;gap:5px}
  .prod:nth-child(2n) .apply{color:var(--orange)}

  /* ---------- Why + Process ---------- */
  .split{display:grid;grid-template-columns:1fr 1.15fr;gap:30px}
  .panel{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px;box-shadow:var(--shadow)}
  .panel h3{font-size:22px;font-weight:700;color:var(--navy);margin-bottom:22px}
  .panel h3 .u{display:block;width:54px;height:3px;background:var(--orange);margin-top:8px;border-radius:3px}
  .why-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 22px}
  .why{display:flex;gap:13px}
  .why .ic{width:40px;height:40px;flex:none;border-radius:10px;display:grid;place-items:center;background:#eef4fe;color:var(--blue)}
  .why:nth-child(2n) .ic{background:#fff4e6;color:var(--orange)}
  .why b{font-size:14.5px;font-weight:600;display:block}
  .why span{font-size:12.5px;color:var(--muted)}
  .steps{display:flex;justify-content:space-between;gap:6px;position:relative;margin-top:14px}
  .steps::before{content:"";position:absolute;top:38px;left:11%;right:11%;height:2px;border-top:2px dashed #f2b878}
  .step{position:relative;text-align:center;flex:1}
  .step .num{width:54px;height:54px;margin:0 auto 12px;border-radius:50%;display:grid;place-items:center;background:#fff;border:2px solid var(--blue);color:var(--blue);font-weight:700;position:relative;z-index:2}
  .step .pic{width:78px;height:78px;object-fit:contain;margin:0 auto 12px;display:block;position:relative;z-index:2;background:#fff;border-radius:50%}
  .step:nth-child(2n) .num{border-color:var(--orange);color:var(--orange)}
  .step .st-ic{position:absolute;top:-9px;right:calc(50% - 40px);width:26px;height:26px;background:#fff;border-radius:50%;display:grid;place-items:center;color:var(--orange);box-shadow:0 2px 8px rgba(0,0,0,.08)}
  .step b{font-size:13px;font-weight:600;display:block;color:var(--navy)}
  /* Why Choose Us — 8 cards */
  .sec-intro{max-width:860px;margin:14px auto 0;text-align:center;color:var(--muted);font-size:15px;line-height:1.7}
  .why8{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:36px}
  .why8 .card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 22px;box-shadow:var(--shadow);transition:.2s}
  .why8 .card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:#dbe6f5}
  .why8 .ic{width:50px;height:50px;border-radius:12px;display:grid;place-items:center;background:#eef4fe;color:var(--blue);margin-bottom:14px}
  .why8 .ic svg{width:24px;height:24px}
  .why8 .card:nth-child(2n) .ic{background:#fff4e6;color:var(--orange)}
  .why8 h4{font-size:16px;color:var(--navy);margin-bottom:8px;font-weight:700}
  .why8 p{font-size:13.5px;color:var(--muted);line-height:1.65}
  .why-close{max-width:900px;margin:38px auto 0;text-align:center;color:var(--navy);font-size:15px;font-weight:500;line-height:1.7}

  /* ---------- EMI + Banks ---------- */
  .emi-offer{display:grid;grid-template-columns:1.35fr 1fr;gap:30px;align-items:center}
  .emi-panel{padding:22px 26px}
  .emi-panel h3{margin-bottom:14px}
  .emi-panel .btn{padding:11px 22px}
  .emi-result-row{display:flex;gap:14px;margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}
  .emi-result-row>div{flex:1;text-align:center}
  .emi-result-row span{display:block;font-size:11px;color:var(--muted);margin-bottom:2px}
  .emi-result-row b{font-size:16px;color:var(--orange);font-weight:700}
  .emi-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:22px}
  .emi-inputs{display:grid;grid-template-columns:1fr 1fr;gap:12px 16px}
  .emi-inputs .full{grid-column:1/-1}
  .emi-inputs .btn-cell{display:flex;align-items:flex-end}
  .emi-inputs label{font-size:13px;color:var(--muted);display:block;margin-bottom:4px}
  .emi-inputs input,.emi-inputs select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:9px;font-family:inherit;font-size:15px;color:var(--ink)}
  .emi-inputs input:focus,.emi-inputs select:focus{outline:none;border-color:var(--orange)}
  .emi-result{background:linear-gradient(160deg,#fff7ee,#fff);border:1px solid #ffe4c2;border-radius:12px;padding:20px}
  .emi-row{display:flex;justify-content:space-between;padding:12px 2px;border-bottom:1px dashed #f0d9bd}
  .emi-row:last-child{border:0}
  .emi-row span{color:var(--muted);font-size:13.5px}
  .emi-row b{color:var(--orange);font-size:19px;font-weight:700}
  .bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
  .bank{background:#fff;border:1px solid var(--line);border-radius:10px;height:66px;display:grid;place-items:center;font-weight:800;font-size:14px;color:var(--navy);box-shadow:var(--shadow);text-align:center;padding:6px}
  .bank small{display:block;font-size:9px;font-weight:500;color:var(--muted)}

  /* ---------- Testimonials + FAQ ---------- */
  .tf-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.95fr);gap:30px;align-items:start}
  .tf-grid>*{min-width:0}
  .t-slider{position:relative;min-width:0}
  .t-track{display:flex;gap:18px;width:100%;overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;scroll-behavior:smooth;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .t-track::-webkit-scrollbar{display:none}
  .t-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:var(--shadow);flex:0 0 calc(33.333% - 12px);scroll-snap-align:start}
  .t-card .stars{color:var(--star);font-size:14px;letter-spacing:2px;margin-bottom:10px}
  .t-card p{font-size:13.5px;color:#42506b;font-style:italic;min-height:88px}
  .t-card .who b{display:block;font-size:14px;color:var(--navy)}
  .t-card .who span{font-size:12px;color:var(--muted)}
  .t-nav{position:absolute;top:50%;transform:translateY(-50%);width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;display:grid;place-items:center;color:var(--navy);box-shadow:var(--shadow);z-index:2}
  .t-nav.prev{left:-16px}.t-nav.next{right:-16px}
  .dots{display:flex;gap:7px;justify-content:center;margin-top:16px}
  .dots i{width:8px;height:8px;border-radius:50%;background:#cfd9e8;cursor:pointer}
  .dots i.on{background:var(--orange);width:20px;border-radius:5px}
  .faq h3{font-size:24px;font-weight:700;color:var(--navy);margin-bottom:6px}
  .faq h3 .u{display:block;width:54px;height:3px;background:var(--orange);margin:8px 0 18px;border-radius:3px}
  .qa{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
  .qa button{width:100%;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:15px 18px;background:none;border:0;font-family:inherit;font-size:14.5px;font-weight:600;color:var(--navy);cursor:pointer;text-align:left}
  .qa .plus{color:var(--orange);font-size:20px;flex:none;transition:.2s}
  .qa.open .plus{transform:rotate(45deg)}
  .qa .ans{max-height:0;overflow:hidden;transition:max-height .28s ease;color:var(--muted);font-size:13.5px}
  .qa .ans p{padding:0 18px 16px}

  /* ---------- CTA banner ---------- */
  .cta{background:linear-gradient(100deg,var(--navy) 0%,var(--blue) 55%,var(--orange) 55%);border-radius:16px;color:#fff;
    display:flex;align-items:center;justify-content:space-between;gap:20px;padding:34px 44px;position:relative;overflow:hidden}
  .cta h3{font-size:27px;font-weight:800}
  .cta p{opacity:.92;margin:6px 0 16px;font-size:15px}
  .cta .emoji{font-size:64px;line-height:1}

  /* ---------- Footer ---------- */
  footer{background:#0c1f3a;color:#c3cee0;padding:56px 0 0;font-size:14px;border-top:4px solid #e74500}
  .foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:30px;padding-bottom:36px}
  .foot .logo b{color:#fff}.foot .logo small{color:#8fa2c0}
  .foot p.desc{margin:16px 0;color:#93a3c0;max-width:280px}
  .socials{display:flex;gap:10px}
  .socials a{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:#16305a;color:#cdd8ea}
  .socials a:hover{background:var(--orange);color:#fff}
  footer h5{color:#fff;font-size:15px;margin-bottom:16px;font-weight:600}
  footer ul{list-style:none;display:grid;gap:9px}
  footer ul a{color:#a9b7d1}
  footer ul a:hover{color:var(--orange)}
  .contact li{display:flex;gap:10px;margin-bottom:11px;color:#a9b7d1}
  .contact svg{color:var(--orange);flex:none;margin-top:2px}
  .foot-bottom{border-top:1px solid #1c3358;padding:16px 0;display:flex;justify-content:space-between;color:#8092b2;font-size:13px}

  /* ---------- Toast ---------- */
  .toast{position:fixed;bottom:24px;left:50%;transform:translateX(-50%) translateY(120px);background:var(--navy);color:#fff;padding:14px 22px;border-radius:10px;box-shadow:var(--shadow-lg);z-index:99;transition:.35s;font-size:14px}
  .toast.show{transform:translateX(-50%) translateY(0)}

  /* ---------- Responsive ---------- */
  @media(max-width:980px){
    nav.menu,.call{display:none}
    .burger{display:block}
    nav.menu.show{display:flex;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 22px;gap:14px;box-shadow:0 12px 24px rgba(0,0,0,.1)}
    .hero-grid,.split,.emi-grid,.emi-offer,.tf-grid{grid-template-columns:1fr}
    .form-card{width:100%}
    .prod{flex:0 0 42%;padding:32px 18px}
    .stats-inner{grid-template-columns:1fr 1fr;gap:22px 0}
    .stat:nth-child(2n){border-right:0}
    .steps{flex-wrap:wrap;gap:22px}.steps::before{display:none}.step{flex:0 0 45%}
    .why8{grid-template-columns:repeat(2,1fr)}
    .bank-grid{grid-template-columns:repeat(3,1fr)}
    .t-card{flex:0 0 calc(50% - 9px)}
    .cta{flex-direction:column;text-align:center;background:linear-gradient(150deg,var(--navy),var(--blue))}
    .foot-grid{grid-template-columns:1fr 1fr}
  }
  @media(max-width:620px){
    .hero h1{font-size:34px}.pills{grid-template-columns:repeat(2,1fr)}
    .two{grid-template-columns:1fr}
    .why-grid{grid-template-columns:1fr}.why8{grid-template-columns:1fr}.bank-grid{grid-template-columns:1fr 1fr}
    .t-card{flex:0 0 100%}.foot-grid{grid-template-columns:1fr}.stats-inner{grid-template-columns:1fr}
    .stat{border-right:0;border-bottom:1px solid var(--line);padding-bottom:14px}
    .foot-bottom{flex-direction:column;gap:8px;text-align:center}
  }

/* ===== inner page banner ===== */
.page-head{background:linear-gradient(120deg,var(--navy),var(--blue));color:#fff;padding:56px 0;text-align:center}
.page-head h1{font-size:34px;font-weight:800}
.page-head .crumb{margin-top:8px;font-size:14px;color:#cfe0f5}
.page-head .crumb a{color:#fff}
.page-head .crumb a:hover{text-decoration:underline}

/* ===== offer banner (replaces partner-banks grid) ===== */
.offer-banner{display:block;transition:.2s}
.offer-banner img{width:100%;height:auto;display:block;border-radius:16px;box-shadow:var(--shadow)}
.offer-banner:hover img{box-shadow:var(--shadow-lg)}

/* ===== footer CTA banner text overlay ===== */
.footer-cta{position:relative}
.footer-cta>img{width:100%;height:auto;display:block;border-radius:16px;box-shadow:var(--shadow)}
.footer-cta-text{position:absolute;top:50%;left:29%;transform:translateY(-50%);color:#fff;max-width:40%}
.footer-cta-text h3{font-size:clamp(14px,2.15vw,30px);font-weight:800;line-height:1.12;margin-bottom:clamp(2px,.6vw,8px)}
.footer-cta-text p{font-size:clamp(9px,1.15vw,15px);opacity:.93;line-height:1.3;margin-bottom:clamp(6px,1vw,16px)}
.footer-cta-btn{background:#fff;color:var(--orange);padding:clamp(6px,.9vw,13px) clamp(12px,1.5vw,26px);font-size:clamp(10px,1.05vw,15px)}
.footer-cta-btn:hover{background:#fff5e9}
@media(max-width:760px){
  .footer-cta{min-height:150px;border-radius:16px;overflow:hidden}
  .footer-cta>img{height:150px;object-fit:cover;object-position:center}
  .footer-cta-text{left:50%;transform:translate(-50%,-50%);text-align:center;max-width:86%}
  .footer-cta-text h3{font-size:19px;line-height:1.15}
  .footer-cta-text p{display:none}
  .footer-cta-btn{font-size:13px;padding:9px 18px;margin-top:6px}
}