/* ==========================================================================
   MY BANK LOAN (mybankloan.in) - Modern FinTech Design System & Theme
   Estd 2009 • Ludhiana, Punjab & Pan-India Financial Advisory
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Outfit:wght@400;500;600;700;800&display=swap');

:root {
  /* Brand FinTech Color Tokens */
  --navy-950: #070F1E;
  --navy-900: #0A192F;
  --navy-850: #0D213F;
  --navy-800: #0F2744;
  --navy-700: #1E3A8A;
  
  --emerald-600: #059669;
  --emerald-500: #10B981;
  --emerald-400: #34D399;
  --emerald-100: #D1FAE5;
  --emerald-50: #ECFDF5;

  --blue-600: #1D4ED8;
  --blue-500: #2563EB;
  --blue-400: #3B82F6;
  --blue-50: #EFF6FF;

  --amber-600: #D97706;
  --amber-500: #F59E0B;
  --amber-100: #FEF3C7;

  --slate-900: #0F172A;
  --slate-800: #1E293B;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-500: #64748B;
  --slate-400: #94A3B8;
  --slate-300: #CBD5E1;
  --slate-200: #E2E8F0;
  --slate-100: #F1F5F9;
  --slate-50: #F8FAFC;
  --white: #FFFFFF;

  /* Elevation & Shadows */
  --shadow-xs: 0 1px 2px rgba(10, 25, 47, 0.05);
  --shadow-sm: 0 4px 6px -1px rgba(10, 25, 47, 0.07), 0 2px 4px -2px rgba(10, 25, 47, 0.05);
  --shadow-md: 0 10px 15px -3px rgba(10, 25, 47, 0.08), 0 4px 6px -4px rgba(10, 25, 47, 0.04);
  --shadow-lg: 0 20px 25px -5px rgba(10, 25, 47, 0.1), 0 8px 10px -6px rgba(10, 25, 47, 0.04);
  --shadow-xl: 0 25px 50px -12px rgba(10, 25, 47, 0.25);
  --shadow-emerald: 0 10px 25px -5px rgba(16, 185, 129, 0.35);
  --shadow-blue: 0 10px 25px -5px rgba(37, 99, 235, 0.35);

  /* Typography */
  --font-primary: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Outfit', 'Plus Jakarta Sans', sans-serif;

  /* Layout & Spacing */
  --container-max: 1240px;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================================================
   Global Reset & Base
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-primary);
  color: var(--slate-700);
  background-color: var(--slate-50);
  line-height: 1.6;
  overflow-x: hidden;
}

img, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

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

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  outline: none;
}

ul, ol {
  list-style: none;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

/* ==========================================================================
   Typography Utilities
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--navy-900);
  font-weight: 700;
  line-height: 1.25;
}

h1 { font-size: 2.75rem; letter-spacing: -0.025em; }
h2 { font-size: 2.15rem; letter-spacing: -0.02em; }
h3 { font-size: 1.5rem; letter-spacing: -0.015em; }
h4 { font-size: 1.2rem; }
h5 { font-size: 1.05rem; }

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 50px;
}

.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--emerald-50);
  color: var(--emerald-600);
  border: 1px solid rgba(16, 185, 129, 0.25);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
}

.section-badge.blue {
  background: var(--blue-50);
  color: var(--blue-600);
  border-color: rgba(37, 99, 235, 0.25);
}

.section-title {
  margin-bottom: 14px;
}

.section-title span {
  color: var(--emerald-500);
}

.section-subtitle {
  color: var(--slate-500);
  font-size: 1.05rem;
}

/* ==========================================================================
   Buttons
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-weight: 600;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  cursor: pointer;
  border: 1px solid transparent;
  transition: var(--transition);
  font-size: 0.95rem;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--emerald-500) 0%, var(--emerald-600) 100%);
  color: var(--white);
  box-shadow: var(--shadow-emerald);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--emerald-600) 0%, #047857 100%);
  transform: translateY(-2px);
  box-shadow: 0 14px 28px -6px rgba(16, 185, 129, 0.45);
}

.btn-blue {
  background: linear-gradient(135deg, var(--blue-500) 0%, var(--blue-600) 100%);
  color: var(--white);
  box-shadow: var(--shadow-blue);
}

.btn-blue:hover {
  background: linear-gradient(135deg, var(--blue-600) 0%, #1e40af 100%);
  transform: translateY(-2px);
  box-shadow: 0 14px 28px -6px rgba(37, 99, 235, 0.45);
}

.btn-outline {
  background: transparent;
  border-color: var(--slate-300);
  color: var(--navy-900);
}

.btn-outline:hover {
  border-color: var(--emerald-500);
  color: var(--emerald-600);
  background: var(--emerald-50);
}

.btn-outline-white {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.25);
  color: var(--white);
}

.btn-outline-white:hover {
  background: var(--white);
  color: var(--navy-900);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.85rem;
  border-radius: var(--radius-sm);
}

.btn-lg {
  padding: 15px 32px;
  font-size: 1.05rem;
  border-radius: var(--radius-md);
}

/* ==========================================================================
   Top Bar
   ========================================================================== */
.top-bar {
  background: var(--navy-950);
  color: var(--slate-300);
  font-size: 0.82rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 8px 0;
}

.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.top-bar-left {
  display: flex;
  align-items: center;
  gap: 18px;
}

.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.top-bar-item i {
  color: var(--emerald-400);
}

.top-bar-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.top-bar-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--slate-300);
}

.top-bar-link:hover {
  color: var(--emerald-400);
}

.top-bar-tag {
  background: rgba(16, 185, 129, 0.15);
  color: var(--emerald-400);
  padding: 2px 8px;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.75rem;
}

/* ==========================================================================
   App Header & Navigation
   ========================================================================== */
.app-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--slate-200);
  transition: var(--transition);
}

.app-header.scrolled {
  box-shadow: var(--shadow-md);
  background: rgba(255, 255, 255, 0.98);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo-brand {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.logo-brand img {
  height: 48px;
  width: auto;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy-900);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}

.nav-link:hover, .nav-link.active {
  color: var(--emerald-600);
  background: var(--emerald-50);
}

.nav-link i.fa-chevron-down {
  font-size: 0.65rem;
  transition: transform 0.2s ease;
}

.nav-item:hover .nav-link i.fa-chevron-down {
  transform: rotate(180deg);
}

/* Dropdown Menu */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  width: 290px;
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--slate-200);
  box-shadow: var(--shadow-xl);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  pointer-events: none;
  z-index: 1050;
}

.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}

.dropdown-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  color: var(--slate-700);
  font-size: 0.9rem;
  font-weight: 500;
  transition: var(--transition);
}

.dropdown-link i {
  width: 22px;
  color: var(--emerald-500);
  font-size: 0.95rem;
  text-align: center;
}

.dropdown-link:hover {
  background: var(--emerald-50);
  color: var(--emerald-600);
  transform: translateX(4px);
}

.dropdown-link span.sub {
  display: block;
  font-size: 0.75rem;
  color: var(--slate-400);
  font-weight: 400;
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.4rem;
  color: var(--navy-900);
  cursor: pointer;
  padding: 8px;
}

/* ==========================================================================
   Mobile Drawer Menu
   ========================================================================== */
.drawer-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(10, 25, 47, 0.6);
  backdrop-filter: blur(4px);
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.drawer-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.drawer-nav {
  position: fixed;
  top: 0;
  left: 0;
  bottom: 0;
  width: 320px;
  max-width: 85vw;
  background: var(--white);
  z-index: 2050;
  transform: translateX(-100%);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-xl);
}

.drawer-backdrop.active .drawer-nav {
  transform: translateX(0);
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px;
  border-bottom: 1px solid var(--slate-200);
}

.drawer-close {
  background: none;
  border: none;
  font-size: 1.3rem;
  color: var(--slate-600);
  cursor: pointer;
}

.drawer-body {
  padding: 16px;
  overflow-y: auto;
  flex: 1;
}

.drawer-links a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  color: var(--navy-900);
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
  margin-bottom: 4px;
}

.drawer-links a:hover, .drawer-links a.active {
  background: var(--emerald-50);
  color: var(--emerald-600);
}

.drawer-heading {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--slate-400);
  font-weight: 700;
  margin: 16px 0 8px 14px;
}

.drawer-footer {
  padding: 18px;
  border-top: 1px solid var(--slate-200);
  background: var(--slate-50);
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero-section {
  position: relative;
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 60%, var(--navy-850) 100%);
  color: var(--white);
  padding: 70px 0 90px;
  overflow: hidden;
}

.hero-glow {
  position: absolute;
  top: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.18) 0%, rgba(37, 99, 235, 0.12) 50%, transparent 70%);
  filter: blur(60px);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 50px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-content h1 {
  color: var(--white);
  font-size: 3.1rem;
  line-height: 1.18;
  margin-bottom: 20px;
}

.hero-content h1 span.highlight {
  background: linear-gradient(120deg, #34D399 0%, #60A5FA 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-lead {
  font-size: 1.12rem;
  color: var(--slate-300);
  margin-bottom: 30px;
  max-width: 580px;
  line-height: 1.65;
}

.hero-stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.hero-stat h4 {
  font-size: 1.65rem;
  color: var(--emerald-400);
  font-weight: 800;
  margin-bottom: 2px;
}

.hero-stat p {
  font-size: 0.82rem;
  color: var(--slate-400);
  font-weight: 500;
}

/* Hero Quick Calculator / Eligibility Box */
.hero-card {
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-xl);
  padding: 30px;
  box-shadow: var(--shadow-xl);
}

.hero-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
  padding-bottom: 15px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.hero-card-header h3 {
  color: var(--white);
  font-size: 1.25rem;
}

.hero-card-header span {
  font-size: 0.8rem;
  color: var(--emerald-400);
  background: rgba(16, 185, 129, 0.15);
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-weight: 600;
}

.loan-tabs {
  display: flex;
  gap: 6px;
  background: rgba(255, 255, 255, 0.08);
  padding: 4px;
  border-radius: var(--radius-md);
  margin-bottom: 22px;
}

.loan-tab-btn {
  flex: 1;
  background: none;
  border: none;
  color: var(--slate-300);
  font-weight: 600;
  font-size: 0.82rem;
  padding: 8px 6px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.loan-tab-btn.active, .loan-tab-btn:hover {
  background: var(--white);
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}

.quick-calc-group {
  margin-bottom: 18px;
}

.quick-calc-header {
  display: flex;
  justify-content: space-between;
  font-size: 0.88rem;
  color: var(--slate-300);
  margin-bottom: 8px;
}

.quick-calc-val {
  font-weight: 700;
  color: var(--white);
}

.range-slider {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: rgba(255, 255, 255, 0.2);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--emerald-400);
  cursor: pointer;
  box-shadow: 0 0 10px rgba(16, 185, 129, 0.6);
  border: 2px solid var(--white);
}

.hero-emi-result {
  background: rgba(16, 185, 129, 0.12);
  border: 1px solid rgba(16, 185, 129, 0.25);
  border-radius: var(--radius-md);
  padding: 16px;
  margin: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.hero-emi-result span.label {
  font-size: 0.85rem;
  color: var(--slate-300);
}

.hero-emi-result span.amount {
  font-size: 1.5rem;
  font-weight: 800;
  color: #34D399;
  font-family: var(--font-heading);
}

/* ==========================================================================
   Bank Marquee / Partner Carousel
   ========================================================================== */
.bank-marquee-section {
  background: var(--white);
  border-bottom: 1px solid var(--slate-200);
  padding: 30px 0;
  overflow: hidden;
}

.bank-marquee-title {
  text-align: center;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--slate-500);
  font-weight: 700;
  margin-bottom: 20px;
}

.bank-marquee-track {
  display: flex;
  align-items: center;
  gap: 36px;
  animation: scrollMarquee 30s linear infinite;
  width: max-content;
}

.bank-marquee-track:hover {
  animation-play-state: paused;
}

@keyframes scrollMarquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.bank-logo-card {
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 6px 18px;
  border-radius: var(--radius-sm);
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  filter: grayscale(80%) opacity(0.8);
  transition: var(--transition);
}

.bank-logo-card:hover {
  filter: grayscale(0%) opacity(1);
  transform: translateY(-2px);
  border-color: var(--emerald-400);
  box-shadow: var(--shadow-sm);
}

.bank-logo-card img {
  max-height: 36px;
  width: auto;
}

/* ==========================================================================
   Services Grid Section
   ========================================================================== */
.services-section {
  padding: 85px 0;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
  gap: 28px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--slate-300);
}

.service-card-media {
  position: relative;
  height: 180px;
  background: var(--slate-100);
  overflow: hidden;
}

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

.service-card:hover .service-card-media img {
  transform: scale(1.04);
}

.service-rate-badge {
  position: absolute;
  top: 14px;
  right: 14px;
  background: rgba(10, 25, 47, 0.85);
  backdrop-filter: blur(6px);
  color: var(--emerald-400);
  padding: 5px 12px;
  border-radius: var(--radius-full);
  font-size: 0.78rem;
  font-weight: 700;
  border: 1px solid rgba(16, 185, 129, 0.3);
}

.service-card-body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.service-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: 6px;
}

.service-title {
  font-size: 1.3rem;
  color: var(--navy-900);
  margin-bottom: 10px;
}

.service-summary {
  font-size: 0.92rem;
  color: var(--slate-600);
  margin-bottom: 18px;
  line-height: 1.55;
}

.service-features-list {
  margin-bottom: 22px;
  flex: 1;
}

.service-features-list li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.86rem;
  color: var(--slate-700);
  margin-bottom: 8px;
}

.service-features-list li i {
  color: var(--emerald-500);
  margin-top: 3px;
  font-size: 0.8rem;
}

.service-card-footer {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 18px;
  border-top: 1px solid var(--slate-100);
}

.service-card-footer .btn {
  flex: 1;
}

/* ==========================================================================
   Interactive Loan EMI Calculator Section
   ========================================================================== */
.calc-section {
  background: var(--white);
  padding: 85px 0;
  border-top: 1px solid var(--slate-200);
  border-bottom: 1px solid var(--slate-200);
}

.calc-box {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-md);
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 40px;
}

.calc-controls {
  display: flex;
  flex-direction: column;
  gap: 26px;
}

.calc-slider-group {
  background: var(--white);
  padding: 20px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
}

.calc-label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}

.calc-label-title {
  font-weight: 600;
  color: var(--navy-900);
  font-size: 0.95rem;
}

.calc-input-badge {
  background: var(--emerald-50);
  color: var(--emerald-600);
  border: 1px solid rgba(16, 185, 129, 0.3);
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 1.05rem;
  font-family: var(--font-heading);
}

.calc-slider-minmax {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--slate-400);
  margin-top: 8px;
}

/* Calculator Result Panel */
.calc-result-panel {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 30px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-lg);
}

.calc-result-header {
  text-align: center;
  margin-bottom: 24px;
}

.calc-result-header p {
  color: var(--slate-400);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}

.calc-result-header h3 {
  color: #34D399;
  font-size: 2.2rem;
  font-family: var(--font-heading);
}

/* Donut Visualization */
.calc-chart-box {
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 10px 0 24px;
}

.calc-donut-svg {
  width: 140px;
  height: 140px;
}

.calc-breakdown-list {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 18px;
  margin-bottom: 24px;
}

.calc-breakdown-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.9rem;
  margin-bottom: 10px;
}

.calc-breakdown-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  display: inline-block;
  margin-right: 6px;
}

.calc-breakdown-dot.principal { background: #3B82F6; }
.calc-breakdown-dot.interest { background: #10B981; }

.calc-breakdown-val {
  font-weight: 700;
  color: var(--white);
}

/* ==========================================================================
   Partner Program Section
   ========================================================================== */
.partner-section {
  padding: 85px 0;
  background: var(--slate-50);
}

.partner-hero-banner {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 50px;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  margin-bottom: 50px;
}

.partner-banner-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.partner-banner-content h2 {
  color: var(--white);
  font-size: 2.3rem;
  margin-bottom: 16px;
}

.partner-banner-content p {
  color: var(--slate-300);
  font-size: 1.05rem;
  margin-bottom: 24px;
  line-height: 1.6;
}

.partner-role-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 20px;
}

.partner-role-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.partner-role-card:hover {
  transform: translateY(-4px);
  border-color: var(--emerald-400);
  box-shadow: var(--shadow-md);
}

.partner-role-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--emerald-50);
  color: var(--emerald-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
}

.partner-role-card h4 {
  font-size: 1.1rem;
  color: var(--navy-900);
  margin-bottom: 8px;
}

.partner-role-card p {
  font-size: 0.88rem;
  color: var(--slate-600);
}

/* ==========================================================================
   Why Choose Us Section
   ========================================================================== */
.why-us-section {
  padding: 85px 0;
  background: var(--white);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.why-card {
  padding: 30px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  background: var(--slate-50);
  transition: var(--transition);
}

.why-card:hover {
  background: var(--white);
  border-color: var(--emerald-400);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.why-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: var(--emerald-100);
  color: var(--emerald-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}

.why-card h4 {
  font-size: 1.18rem;
  margin-bottom: 10px;
}

.why-card p {
  font-size: 0.92rem;
  color: var(--slate-600);
}

/* ==========================================================================
   Bank Rates Comparison Table
   ========================================================================== */
.rates-table-section {
  padding: 85px 0;
  background: var(--slate-50);
}

.table-responsive {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.rates-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.rates-table th {
  background: var(--navy-900);
  color: var(--white);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 16px 20px;
  font-weight: 700;
}

.rates-table td {
  padding: 16px 20px;
  border-bottom: 1px solid var(--slate-100);
  font-size: 0.92rem;
  color: var(--slate-700);
  vertical-align: middle;
}

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

.rates-table tr:hover td {
  background: var(--slate-50);
}

.bank-cell {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  color: var(--navy-900);
}

.bank-cell img {
  height: 28px;
  width: auto;
}

.rate-badge-cell {
  color: var(--emerald-600);
  font-weight: 800;
}

/* ==========================================================================
   Testimonials & Reviews
   ========================================================================== */
.testimonials-section {
  padding: 85px 0;
  background: var(--white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 26px;
}

.testimonial-card {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-xs);
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  border-color: var(--emerald-400);
  box-shadow: var(--shadow-md);
}

.testimonial-stars {
  color: var(--amber-500);
  font-size: 0.9rem;
  margin-bottom: 14px;
}

.testimonial-text {
  font-size: 0.94rem;
  color: var(--slate-700);
  line-height: 1.6;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy-700);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
}

.testimonial-info h5 {
  font-size: 0.95rem;
  color: var(--navy-900);
  margin-bottom: 2px;
}

.testimonial-info p {
  font-size: 0.78rem;
  color: var(--slate-500);
}

/* ==========================================================================
   FAQs Accordion
   ========================================================================== */
.faq-section {
  padding: 85px 0;
  background: var(--slate-50);
}

.faq-list {
  max-width: 840px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--emerald-500);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
}

.faq-icon {
  font-size: 0.9rem;
  color: var(--slate-400);
  transition: transform 0.25s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: var(--emerald-600);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  padding: 0 24px;
  color: var(--slate-600);
  font-size: 0.95rem;
  line-height: 1.6;
}

.faq-item.active .faq-answer {
  max-height: 350px;
  padding-bottom: 20px;
}

/* ==========================================================================
   CTA Section
   ========================================================================== */
.cta-section {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 100%);
  color: var(--white);
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}

.cta-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 30px;
}

.cta-text h2 {
  color: var(--white);
  font-size: 2.2rem;
  margin-bottom: 10px;
}

.cta-text p {
  color: var(--slate-300);
  font-size: 1.05rem;
  max-width: 600px;
}

.cta-buttons {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.app-footer {
  background: var(--navy-950);
  color: var(--slate-400);
  padding: 70px 0 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer-col h4 {
  color: var(--white);
  font-size: 1.05rem;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 10px;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 32px;
  height: 2px;
  background: var(--emerald-500);
  border-radius: 2px;
}

.footer-brand img {
  height: 44px;
  width: auto;
  margin-bottom: 16px;
}

.footer-bio {
  line-height: 1.6;
  margin-bottom: 20px;
  color: var(--slate-300);
}

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

.footer-social-btn {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.footer-social-btn:hover {
  background: var(--emerald-500);
  transform: translateY(-2px);
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: var(--slate-300);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-links a:hover {
  color: var(--emerald-400);
  transform: translateX(4px);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  color: var(--slate-300);
}

.footer-contact-item i {
  color: var(--emerald-400);
  margin-top: 4px;
}

.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  margin-bottom: 30px;
  font-size: 0.8rem;
  line-height: 1.55;
  color: var(--slate-400);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.82rem;
}

/* ==========================================================================
   Modals & Popups
   ========================================================================== */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(10, 25, 47, 0.7);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 3000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.modal-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.modal-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  max-width: 560px;
  width: 100%;
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  transform: scale(0.95);
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  max-height: 90vh;
  display: flex;
  flex-direction: column;
}

.modal-backdrop.active .modal-card {
  transform: scale(1);
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 28px;
  border-bottom: 1px solid var(--slate-200);
  background: var(--slate-50);
}

.modal-header h3 {
  font-size: 1.3rem;
  color: var(--navy-900);
}

.modal-close {
  background: none;
  border: none;
  font-size: 1.3rem;
  color: var(--slate-400);
  cursor: pointer;
  padding: 4px;
  transition: var(--transition);
}

.modal-close:hover {
  color: var(--slate-800);
}

.modal-body {
  padding: 28px;
  overflow-y: auto;
}

/* Forms */
.form-group {
  margin-bottom: 18px;
}

.form-label {
  display: block;
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 6px;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-md);
  font-size: 0.95rem;
  color: var(--slate-800);
  background: var(--white);
  transition: var(--transition);
}

.form-control:focus {
  border-color: var(--emerald-500);
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15);
}

.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

/* ==========================================================================
   Toaster Notifications
   ========================================================================== */
.toast-container {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 4000;
  display: flex;
  flex-direction: column;
  gap: 10px;
  pointer-events: none;
}

.toast {
  pointer-events: auto;
  min-width: 320px;
  max-width: 420px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  border-left: 4px solid var(--emerald-500);
  padding: 16px 20px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  animation: toastSlideIn 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.toast.error {
  border-left-color: #EF4444;
}

@keyframes toastSlideIn {
  from { transform: translateX(100%); opacity: 0; }
  to { transform: translateX(0); opacity: 1; }
}

.toast-icon {
  font-size: 1.2rem;
  color: var(--emerald-500);
}

.toast.error .toast-icon {
  color: #EF4444;
}

.toast-content h5 {
  font-size: 0.92rem;
  margin-bottom: 2px;
}

.toast-content p {
  font-size: 0.82rem;
  color: var(--slate-600);
}

/* ==========================================================================
   Floating Action Floaters
   ========================================================================== */
.floating-actions {
  position: fixed;
  bottom: 26px;
  right: 26px;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
  z-index: 2500;
}

.fab-whatsapp {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: #25D366;
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem;
  box-shadow: 0 8px 20px rgba(37, 211, 102, 0.4);
  transition: var(--transition);
}

.fab-whatsapp:hover {
  transform: scale(1.08);
  box-shadow: 0 12px 25px rgba(37, 211, 102, 0.5);
}

.fab-apply {
  background: var(--navy-900);
  color: var(--white);
  padding: 10px 18px;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.88rem;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid rgba(16, 185, 129, 0.4);
}

.fab-apply:hover {
  background: var(--emerald-600);
  transform: translateY(-2px);
}

/* ==========================================================================
   Dedicated Loan Service Pages Styling
   ========================================================================== */
.loan-hero {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-850) 100%);
  color: var(--white);
  padding: 60px 0 55px;
  position: relative;
  overflow: hidden;
}

.loan-hero-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.86rem;
  color: var(--slate-400);
  margin-bottom: 22px;
}

.loan-hero-breadcrumb a {
  color: var(--slate-300);
  display: flex;
  align-items: center;
  gap: 6px;
}

.loan-hero-breadcrumb a:hover {
  color: var(--emerald-400);
}

.loan-hero-breadcrumb .separator {
  color: var(--slate-600);
  font-size: 0.75rem;
}

.loan-hero-breadcrumb .current {
  color: var(--emerald-400);
  font-weight: 600;
}

.loan-hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 45px;
  align-items: center;
}

.loan-hero-content h1 {
  color: var(--white);
  font-size: 2.6rem;
  font-family: var(--font-heading);
  margin-bottom: 16px;
  line-height: 1.2;
}

.loan-hero-content h1 span {
  color: var(--emerald-400);
}

.loan-hero-content p {
  color: var(--slate-300);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 26px;
}

.loan-spec-pills {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: 12px;
  margin-bottom: 30px;
}

.loan-spec-pill {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 14px 16px;
  border-radius: var(--radius-md);
  backdrop-filter: blur(8px);
}

.loan-spec-pill-label {
  font-size: 0.74rem;
  text-transform: uppercase;
  color: var(--slate-400);
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}

.loan-spec-pill-val {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--emerald-400);
  font-family: var(--font-heading);
}

.loan-hero-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-xl);
  padding: 34px 28px;
  text-align: center;
  backdrop-filter: blur(14px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.35);
}

.loan-hero-img-box {
  width: 140px;
  height: 140px;
  margin: 0 auto 20px;
  background: rgba(16, 185, 129, 0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  border: 2px solid rgba(52, 211, 153, 0.3);
}

.loan-hero-img-box img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.loan-hero-card-title {
  color: var(--white);
  font-size: 1.25rem;
  margin-bottom: 8px;
  font-family: var(--font-heading);
}

.loan-hero-card-desc {
  color: var(--slate-400);
  font-size: 0.88rem;
  margin-bottom: 20px;
  line-height: 1.5;
}

/* Feature Cards Grid */
.loan-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin-top: 36px;
}

.loan-feature-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.loan-feature-card:hover {
  transform: translateY(-5px);
  border-color: var(--emerald-400);
  box-shadow: var(--shadow-md);
}

.loan-feature-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--emerald-50);
  color: var(--emerald-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  margin-bottom: 18px;
}

.loan-feature-card h3 {
  font-size: 1.15rem;
  color: var(--navy-900);
  margin-bottom: 10px;
  font-family: var(--font-heading);
}

.loan-feature-card p {
  color: var(--slate-600);
  font-size: 0.92rem;
  line-height: 1.6;
}

/* Eligibility & Documents Cards */
.loan-criteria-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  margin-top: 36px;
}

@media (max-width: 850px) {
  .loan-criteria-grid { grid-template-columns: 1fr; }
}

.loan-criteria-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}

.loan-criteria-card h3 {
  font-size: 1.3rem;
  color: var(--navy-900);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-heading);
}

.loan-criteria-card h3 i {
  color: var(--emerald-500);
}

.loan-checklist {
  list-style: none;
}

.loan-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 0.94rem;
  color: var(--slate-700);
  line-height: 1.55;
}

.loan-checklist li i {
  color: var(--emerald-500);
  margin-top: 4px;
  flex-shrink: 0;
}

/* Process Timeline Steps */
.loan-steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  margin-top: 36px;
}

.loan-step-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 30px 24px;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.loan-step-card:hover {
  transform: translateY(-4px);
  border-color: var(--emerald-400);
  box-shadow: var(--shadow-md);
}

.loan-step-badge {
  position: absolute;
  top: -14px;
  left: 24px;
  background: var(--navy-900);
  color: var(--emerald-400);
  font-size: 0.78rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  letter-spacing: 0.05em;
  border: 2px solid var(--emerald-500);
}

.loan-step-card h4 {
  font-size: 1.12rem;
  color: var(--navy-900);
  margin-top: 6px;
  margin-bottom: 10px;
  font-family: var(--font-heading);
}

.loan-step-card p {
  color: var(--slate-600);
  font-size: 0.88rem;
  line-height: 1.6;
}

/* FAQ Accordion */
.loan-faq-list {
  max-width: 860px;
  margin: 36px auto 0;
}

.loan-faq-item {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  overflow: hidden;
  transition: var(--transition);
}

.loan-faq-q {
  padding: 20px 24px;
  font-weight: 700;
  font-size: 1.04rem;
  color: var(--navy-900);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  user-select: none;
}

.loan-faq-q i {
  color: var(--emerald-600);
  transition: transform 0.25s ease;
}

.loan-faq-item.active .loan-faq-q i {
  transform: rotate(180deg);
}

.loan-faq-a {
  padding: 0 24px 20px;
  color: var(--slate-600);
  font-size: 0.95rem;
  line-height: 1.65;
  display: none;
}

.loan-faq-item.active .loan-faq-a {
  display: block;
}

/* Loan Bottom CTA Strip */
.loan-cta-banner {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 100%);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 50px 40px;
  text-align: center;
  box-shadow: var(--shadow-xl);
  margin: 60px 0 30px;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.loan-cta-banner h2 {
  color: var(--white);
  font-size: 2.2rem;
  font-family: var(--font-heading);
  margin-bottom: 12px;
}

.loan-cta-banner p {
  color: var(--slate-300);
  font-size: 1.05rem;
  max-width: 640px;
  margin: 0 auto 28px;
}

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

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
  h1 { font-size: 2.3rem; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .calc-box { grid-template-columns: 1fr; }
  .partner-banner-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
}

@media (max-width: 768px) {
  .top-bar-left { display: none; }
  .main-nav, .header-actions .btn { display: none; }
  .mobile-toggle { display: block; }
  
  h1 { font-size: 1.95rem; }
  h2 { font-size: 1.65rem; }

  .hero-stats-row { grid-template-columns: 1fr; gap: 14px; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .rates-table-section { padding: 40px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-box { flex-direction: column; text-align: center; }
  .cta-buttons { justify-content: center; }
}