:root{
  --navy:#0C3379; --navy-900:#071f4d; --blue:#266AE1; --blue-2:#426CB7;
  --green:#3fa535; --gold:#f5b42a;
  --ink:#1e293b; --muted:#5b6475; --line:#e3e8f0; --soft:#F0F5FA; --white:#fff;
  --radius:14px; --shadow:0 10px 30px rgba(12,51,121,.10);
  --font:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-weight:600;line-height:1.25;margin:0 0 .6em;color:var(--navy)}
h1{font-size:clamp(2rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.4rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{width:min(1180px,100% - 32px);margin-inline:auto}
.section{padding:clamp(56px,8vw,96px) 0}
.soft{background:var(--soft)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:.8rem}
.lead{font-size:1.08rem;color:var(--muted)}
.center{text-align:center}
.section-head{max-width:720px;margin:0 auto 48px;text-align:center}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.85em 1.7em;border-radius:999px;font-weight:600;font-size:.95rem;border:2px solid transparent;cursor:pointer;transition:.2s;font-family:inherit;line-height:1}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--gold);color:var(--navy)}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}

/* topbar + header */
.topbar{background:var(--navy-900);color:#cfd8ea;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;gap:12px;padding:8px 0;flex-wrap:wrap}
.topbar a{color:#fff}
.topbar span{display:inline-flex;align-items:center;gap:6px;margin-right:18px}
.header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 16px rgba(0,0,0,.06)}
.header .container{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:700;font-size:1.15rem;line-height:1.1}
.brand img{width:58px;height:58px}
.brand small{display:block;font-weight:500;font-size:.72rem;color:var(--muted);letter-spacing:.04em}
.nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;align-items:center}
.nav a{display:block;padding:10px 14px;color:var(--ink);font-weight:500;border-radius:8px}
.nav a:hover,.nav a[aria-current=page]{color:var(--blue)}
.nav .btn{margin-left:10px;color:#fff;padding:.8em 1.4em}
.menu-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu-toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:6px 0;transition:.25s}
@media (max-width:900px){
  .menu-toggle{display:block}
  .header .container{position:relative}
  .nav{position:absolute;top:100%;left:0;right:0;background:#fff;box-shadow:0 12px 24px rgba(0,0,0,.08);display:none}
  .nav.open{display:block}
  .nav ul{flex-direction:column;align-items:stretch;padding:12px 16px 20px}
  .nav .btn{margin:8px 0 0;justify-content:center}
  .topbar .hide-sm{display:none}
}

/* hero */
.hero{position:relative;color:#fff;background:var(--navy) url(../img/hero.jpg) center/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(7,31,77,.94) 0%,rgba(12,51,121,.82) 50%,rgba(12,51,121,.45) 100%)}
.hero .container{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:80px 0}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--gold)}
.hero p{color:#dbe4f5;font-size:1.1rem;max-width:560px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
@media (max-width:900px){.hero .container{grid-template-columns:1fr;padding:56px 0}}

/* page hero */
.page-hero{background:linear-gradient(120deg,var(--navy-900),var(--navy) 60%,var(--blue-2));color:#fff;padding:64px 0 56px;text-align:center}
.page-hero h1{color:#fff;margin-bottom:.3em}
.crumbs{font-size:.9rem;color:#c5d3ee}
.crumbs a{color:#fff}

/* cards / grids */
.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:1000px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.25s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.card p{color:var(--muted);margin:0}
.loan-card img{width:72px;height:72px;margin-bottom:18px}
.feature{display:flex;gap:18px;align-items:flex-start}
.feature .ico{flex:none;width:56px;height:56px;border-radius:14px;background:var(--soft);display:grid;place-items:center;color:var(--blue)}
.feature .ico svg{width:28px;height:28px}
.feature h3{margin-bottom:.35em}
.feature p{color:var(--muted);margin:0;font-size:.95rem}

/* calculator card */
.calc{background:#fff;color:var(--ink);border-radius:18px;padding:28px;box-shadow:0 30px 60px rgba(0,0,0,.25)}
.calc h2{font-size:1.35rem;margin-bottom:18px;text-align:center}
.field{margin-bottom:14px}
.field label{display:flex;justify-content:space-between;font-size:.88rem;font-weight:500;margin-bottom:6px;color:var(--ink)}
.field label output{color:var(--blue);font-weight:600}
input[type=range]{width:100%;accent-color:var(--blue)}
.input,select,textarea{width:100%;padding:12px 14px;border:1px solid #cfd7e4;border-radius:10px;font:inherit;font-size:.95rem;background:#fff;color:var(--ink)}
.input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(38,106,225,.18)}
.seg{display:flex;background:var(--soft);border-radius:10px;padding:4px;gap:4px}
.seg button{flex:1;border:0;background:none;padding:8px;border-radius:8px;font:inherit;font-size:.85rem;cursor:pointer;color:var(--muted)}
.seg button[aria-pressed=true]{background:#fff;color:var(--navy);font-weight:600;box-shadow:0 2px 6px rgba(0,0,0,.08)}
.result{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:18px;text-align:center}
.result div{background:var(--soft);border-radius:10px;padding:10px 6px}
.result small{display:block;font-size:.72rem;color:var(--muted)}
.result strong{color:var(--navy);font-size:.98rem}
.result .hl{background:var(--navy)}
.result .hl small{color:#c5d3ee}.result .hl strong{color:#fff}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:18px;box-shadow:var(--shadow);width:100%}
.split.rev .media{order:2}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}.split.rev .media{order:0}}

/* CTA band */
.band{background:linear-gradient(110deg,var(--navy),var(--blue));color:#fff;border-radius:22px;padding:44px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 .2em}
.band p{margin:0;color:#dbe4f5}
.promo-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.promo{border-radius:20px;padding:40px;color:#fff;min-height:260px;display:flex;flex-direction:column;justify-content:flex-end;background-size:cover;background-position:center;position:relative;overflow:hidden}
.promo::before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(7,31,77,.92),rgba(7,31,77,.25))}
.promo>*{position:relative}
.promo h3{color:#fff;font-size:1.6rem}
.promo p{color:#e4ebf8}
@media (max-width:760px){.promo-grid{grid-template-columns:1fr}}

/* stats */
.stats{background:var(--navy);color:#fff}
.stat{text-align:center}
.stat strong{display:block;font-size:clamp(2.2rem,4vw,3rem);font-weight:700;color:#fff;line-height:1.1}
.stat span{color:#c5d3ee}

/* HDFC */
.hdfc{background:#fff;border:2px dashed var(--blue);border-radius:22px;padding:clamp(28px,4vw,48px)}
.checklist{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:12px 28px}
.checklist li{display:flex;gap:10px;align-items:flex-start}
.checklist li::before{content:"";flex:none;width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/14px no-repeat}
@media (max-width:640px){.checklist{grid-template-columns:1fr}}

/* testimonials */
.testi{position:relative;background:var(--navy-900) url(../img/testimonials-bg.jpg) center/cover;color:#fff}
.testi::before{content:"";position:absolute;inset:0;background:rgba(7,31,77,.88)}
.testi .container{position:relative}
.testi h2{color:#fff}
.slider{position:relative;max-width:820px;margin:0 auto;overflow:hidden}
.slides{display:flex;transition:transform .5s ease}
.slide{flex:0 0 100%;padding:10px 24px;text-align:center}
.slide blockquote{margin:0 0 24px;font-size:clamp(1rem,2vw,1.2rem);color:#e8eefb;font-style:italic}
.slide img{width:64px;height:64px;border-radius:50%;margin:0 auto 10px;background:#fff}
.slide cite{font-style:normal;font-weight:600;display:block}
.slide small{color:#9fb3da}
.slider-nav{display:flex;justify-content:center;gap:10px;margin-top:22px}
.slider-nav button{width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.4);background:none;color:#fff;cursor:pointer;font-size:1.1rem}
.slider-nav button:hover{background:#fff;color:var(--navy)}

/* callback */
.callback{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:center;background:var(--soft);border-radius:22px;padding:clamp(28px,4vw,52px)}
@media (max-width:860px){.callback{grid-template-columns:1fr}}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid .full{grid-column:1/-1}
@media (max-width:560px){.form-grid{grid-template-columns:1fr}}
.form-msg{margin-top:12px;font-size:.92rem;font-weight:500}
.form-msg.ok{color:#177a2c}.form-msg.err{color:#b42318}
.hp{position:absolute;left:-9999px}

/* strategies */
.strat{overflow:hidden;padding:0}
.strat img{aspect-ratio:3/2;object-fit:cover;width:100%;transition:.4s}
.strat:hover img{transform:scale(1.05)}
.strat .body{padding:22px 24px 26px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.strat h3{margin:0}

/* gallery */
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.gallery img{border-radius:12px;aspect-ratio:4/3;object-fit:cover;width:100%}
@media (max-width:760px){.gallery{grid-template-columns:repeat(2,1fr)}}

/* contact */
.info-card{text-align:center}
.info-card img{width:84px;height:84px;margin:0 auto 14px}
.info-card a{color:var(--ink);font-weight:500;word-break:break-word}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}
.faq details p{margin:10px 0 0;color:var(--muted)}
.map{border:0;width:100%;height:380px;border-radius:18px}

/* loan calculator page */
.emi-wrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:30px;align-items:start}
@media (max-width:900px){.emi-wrap{grid-template-columns:1fr}}
.emi-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:22px}
.emi-summary div{background:var(--soft);border-radius:12px;padding:16px;text-align:center}
.emi-summary div:first-child{background:var(--navy);color:#fff}
.emi-summary div:first-child small{color:#c5d3ee}.emi-summary div:first-child strong{color:#fff}
.emi-summary small{display:block;color:var(--muted);font-size:.8rem}
.emi-summary strong{font-size:1.25rem;color:var(--navy)}
@media (max-width:560px){.emi-summary{grid-template-columns:1fr}}
.donut{display:flex;align-items:center;gap:24px;flex-wrap:wrap}
.legend{list-style:none;padding:0;margin:0;font-size:.9rem}
.legend li{display:flex;align-items:center;gap:8px;margin:6px 0}
.legend i{width:14px;height:14px;border-radius:4px;display:inline-block}
.table-wrap{max-height:420px;overflow:auto;border:1px solid var(--line);border-radius:12px;margin-top:22px}
table{width:100%;border-collapse:collapse;font-size:.9rem}
th,td{padding:10px 14px;text-align:right;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:var(--navy);color:#fff;font-weight:500}
.note{font-size:.85rem;color:var(--muted)}

/* footer */
.footer{background:var(--navy-900);color:#b9c6e0;padding-top:64px;font-size:.95rem}
.footer h4{color:#fff;font-size:1.05rem;margin-bottom:16px}
.footer a{color:#b9c6e0}
.footer a:hover{color:#fff}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin:8px 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:36px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer .brand{color:#fff;margin-bottom:14px}
.footer .brand img{background:#fff;border-radius:50%}
.social{display:flex;gap:10px;margin-top:16px}
.social a{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff}
.social a:hover{background:var(--blue)}
.social svg{width:18px;height:18px;fill:currentColor}
.newsletter{display:flex;gap:8px;margin-top:10px}
.newsletter .input{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.2);color:#fff}
.newsletter .btn{padding:.8em 1.1em}
.copy{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding:20px 0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.88rem}
.wa-float{position:fixed;right:18px;bottom:18px;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 20px rgba(0,0,0,.25);z-index:60}
.wa-float svg{width:30px;height:30px;fill:#fff}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}
.legal h2{font-size:1.3rem;margin-top:1.6em}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* inline icon sizing */
.btn svg,.topbar svg{width:1.05em;height:1.05em;flex:none}
.footer li svg{width:18px;height:18px;flex:none;margin-top:3px}
.footer li{display:flex;gap:10px;align-items:flex-start}
.footer .social svg{width:18px;height:18px}
.band svg{width:1.05em;height:1.05em}