:root {
  --ink: #06143f;
  --navy: #082d78;
  --blue: #0c57d9;
  --sky: #eaf5ff;
  --soft: #f6f9fe;
  --line: #dbe6f6;
  --orange: #ff6a1a;
  --gold: #ffc347;
  --green: #12a148;
  --shadow: 0 20px 55px rgba(8, 45, 120, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: #ffffff;
}

a {
  color: inherit;
  text-decoration: none;
}

.top-strip {
  align-items: center;
  background: #052769;
  color: #ffffff;
  display: flex;
  font-size: 12px;
  font-weight: 700;
  justify-content: space-between;
  min-height: 34px;
  padding: 0 8vw;
}

.top-strip div {
  display: flex;
  gap: 26px;
}

.site-header {
  align-items: center;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  display: flex;
  gap: 28px;
  justify-content: space-between;
  padding: 18px 8vw;
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(14px);
}

.brand {
  align-items: center;
  display: flex;
  gap: 12px;
  min-width: max-content;
}

.brand-mark {
  align-items: center;
  background: #e8f1ff;
  border: 1px solid #bcd3ff;
  border-radius: 8px;
  display: grid;
  height: 48px;
  place-items: center;
  width: 48px;
}

.brand-mark svg {
  fill: var(--blue);
  height: 34px;
  width: 34px;
}

.brand strong,
.brand small {
  display: block;
  line-height: 1.05;
}

.brand strong {
  font-size: 19px;
}

.brand small {
  color: var(--blue);
  font-weight: 800;
}

nav {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
}

nav a {
  color: #1d2b55;
}

.header-cta,
.primary-btn,
.secondary-btn,
.green-btn,
.blue-panel a,
.callback-form button,
.calculator button {
  align-items: center;
  border: 0;
  border-radius: 8px;
  cursor: pointer;
  display: inline-flex;
  font-weight: 900;
  justify-content: center;
  min-height: 46px;
  padding: 0 24px;
  text-transform: uppercase;
}

.header-cta {
  background: var(--orange);
  color: #fff;
}

.hero {
  display: block;
  min-height: 570px;
  overflow: hidden;
  padding: 56px 8vw 0;
  position: relative;
  background:
    linear-gradient(90deg, rgba(255,255,255,0.98) 0%, rgba(255,255,255,0.88) 27%, rgba(255,255,255,0.18) 55%, rgba(255,255,255,0) 72%),
    url("assets/hero-home-loan.jpg") center right / cover no-repeat;
}

.hero::after {
  background: linear-gradient(180deg, transparent 0%, rgba(255,255,255,0.42) 82%, #ffffff 100%);
  content: "";
  inset: 0;
  pointer-events: none;
  position: absolute;
}

.hero-copy {
  position: relative;
  z-index: 1;
}

.eyebrow {
  background: #fff7f0;
  border: 1px solid #ffd7bd;
  border-radius: 6px;
  color: #9f4616;
  display: inline-flex;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0;
  padding: 8px 12px;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  color: #09245c;
  font-size: clamp(42px, 5vw, 66px);
  line-height: 1.05;
  margin: 20px 0 18px;
  max-width: 700px;
}

.hero-copy p {
  color: #263a68;
  font-size: 18px;
  line-height: 1.7;
  max-width: 560px;
}

.hero-actions,
.metric-row,
.process-row,
.preference-row,
.footer-features {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.primary-btn,
.calculator button {
  background: linear-gradient(135deg, #0d63e6, #083894);
  color: #ffffff;
}

.secondary-btn {
  background: #ffffff;
  border: 2px solid var(--blue);
  color: var(--blue);
}

.metric-row {
  margin-top: 40px;
}

.metric-row article {
  border-left: 1px solid var(--line);
  min-width: 120px;
  padding: 0 20px;
}

.metric-row strong {
  color: var(--blue);
  display: block;
  font-size: 22px;
}

.metric-row span {
  color: #172957;
  display: block;
  font-size: 12px;
  font-weight: 800;
  line-height: 1.35;
  margin-top: 5px;
}

.section {
  padding: 34px 8vw;
}

.section-title {
  text-align: center;
}

.section h2,
.pre-footer h2 {
  color: #09245c;
  font-size: clamp(24px, 3vw, 34px);
  margin-bottom: 18px;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
}

.benefit-grid article,
.rate-card,
.blue-panel,
.calculator,
.profile-card,
.factor-card,
.doc-card,
.transfer-card,
.callback-form {
  background: #ffffff;
  border: 1px solid var(--line);
  box-shadow: 0 10px 30px rgba(6, 20, 63, 0.06);
}

.benefit-grid article {
  min-height: 180px;
  padding: 24px 18px;
  text-align: center;
}

.benefit-grid article:first-child {
  border-radius: 8px 0 0 8px;
}

.benefit-grid article:last-child {
  border-radius: 0 8px 8px 0;
}

.icon {
  align-items: center;
  border: 2px solid var(--blue);
  border-radius: 50%;
  color: var(--blue);
  display: inline-flex;
  font-size: 20px;
  font-weight: 900;
  height: 48px;
  justify-content: center;
  margin-bottom: 16px;
  width: 48px;
}

.benefit-grid h3 {
  font-size: 15px;
  margin-bottom: 8px;
}

.benefit-grid p,
.muted,
.eligibility-band p,
.footer p,
.callback-form p,
.transfer-card p,
.doc-card p {
  color: #394b75;
  line-height: 1.55;
}

.split-area {
  display: grid;
  gap: 22px;
  grid-template-columns: 1.15fr 1fr 0.72fr;
}

.rate-card,
.blue-panel,
.calculator,
.profile-card,
.factor-card,
.doc-card,
.transfer-card {
  border-radius: 8px;
  padding: 24px;
}

table {
  border-collapse: collapse;
  overflow: hidden;
  width: 100%;
}

th {
  background: #082d78;
  color: #ffffff;
  font-size: 13px;
  text-align: left;
  text-transform: uppercase;
}

td,
th {
  border: 1px solid var(--line);
  padding: 14px 16px;
}

td {
  color: #152858;
  font-size: 14px;
  font-weight: 700;
}

.green { color: var(--green); }
.orange { color: #db7900; }
.red { color: #d9291c; }

.blue-panel {
  background: linear-gradient(145deg, #0c57d9, #062b73);
  color: #ffffff;
}

.blue-panel h2 {
  color: #ffffff;
}

.blue-panel li {
  margin-bottom: 16px;
}

.blue-panel a {
  background: var(--gold);
  color: #09245c;
  margin-top: 18px;
}

.emi-section {
  background: linear-gradient(180deg, #ffffff, #f5f9ff);
  display: grid;
  gap: 34px;
  grid-template-columns: 1fr 360px;
}

.calculator {
  background: #eef6ff;
}

.calculator label {
  color: #153064;
  display: grid;
  font-size: 13px;
  font-weight: 900;
  gap: 8px;
  margin-bottom: 14px;
}

.calculator input,
.calculator select,
.callback-form input,
.callback-form select {
  border: 1px solid #c9d8ee;
  border-radius: 7px;
  color: #16295b;
  font: inherit;
  min-height: 44px;
  padding: 0 12px;
  width: 100%;
}

.calculator button,
.callback-form button {
  width: 100%;
}

.emi-result {
  background: #ffffff;
  border-radius: 8px;
  margin-top: 22px;
  padding: 22px;
}

.emi-result span {
  color: #10295e;
  display: block;
  font-size: 13px;
  font-weight: 900;
}

.emi-result strong {
  color: var(--green);
  display: block;
  font-size: 36px;
  margin-top: 8px;
}

.eligibility-band {
  align-items: center;
  background: linear-gradient(90deg, #ffffff, #edf7ff);
  border: 1px solid var(--line);
  border-radius: 8px;
  display: grid;
  gap: 30px;
  grid-template-columns: 250px 1fr auto;
  margin: 26px 8vw;
  overflow: hidden;
  padding: 0 34px 0 0;
}

.advisor-visual {
  align-self: stretch;
  background:
    radial-gradient(circle at 48% 30%, #a06443 0 34px, transparent 35px),
    linear-gradient(135deg, transparent 0 48%, #1766b8 49% 75%, transparent 76%),
    linear-gradient(135deg, #e8f1ff, #ffffff);
  min-height: 190px;
  position: relative;
}

.advisor-visual::after {
  background: #102759;
  border-radius: 45% 45% 14px 14px;
  bottom: 0;
  content: "";
  height: 100px;
  left: 94px;
  position: absolute;
  width: 84px;
}

.process-row span,
.preference-row span,
.footer-features span {
  color: #10295e;
  font-size: 13px;
  font-weight: 900;
}

.green-btn {
  background: var(--green);
  color: #ffffff;
  white-space: nowrap;
}

.customer-grid,
.documents {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr 1fr 0.78fr;
}

.profile-card {
  min-height: 250px;
  overflow: hidden;
  position: relative;
}

.profile-card ul,
.factor-card ul,
.blue-panel ul {
  line-height: 1.8;
  margin: 0;
  padding-left: 20px;
}

.profile-figure {
  border-radius: 45% 45% 14px 14px;
  bottom: 0;
  height: 160px;
  position: absolute;
  right: 20px;
  width: 94px;
}

.profile-figure::before {
  background: #a56a45;
  border-radius: 50%;
  content: "";
  height: 58px;
  left: 18px;
  position: absolute;
  top: -46px;
  width: 58px;
}

.shirt-white {
  background: #edf4ff;
}

.shirt-blue {
  background: #73b5d8;
}

.factor-card li::marker {
  color: var(--green);
}

.documents {
  grid-template-columns: 1fr 1.15fr;
}

.doc-columns {
  display: grid;
  gap: 24px;
  grid-template-columns: 1fr 1fr;
}

.transfer-card {
  background:
    radial-gradient(circle at 86% 42%, rgba(255,255,255,0.92) 0 82px, transparent 83px),
    linear-gradient(135deg, #ffffff, #f0f6ff);
  position: relative;
}

.transfer-card::after {
  background:
    linear-gradient(45deg, transparent 0 48%, #aa815f 49% 58%, transparent 59%),
    linear-gradient(#f1d4a5 0 0) center 88px / 118px 96px no-repeat,
    linear-gradient(45deg, transparent 0 38%, #8b5e3c 39% 62%, transparent 63%);
  content: "";
  height: 200px;
  opacity: 0.85;
  position: absolute;
  right: 40px;
  top: 24px;
  width: 180px;
}

.transfer-card > * {
  max-width: 68%;
  position: relative;
  z-index: 1;
}

.pre-footer {
  background: #f6f9ff;
  border-top: 1px solid var(--line);
  padding: 34px 8vw;
  text-align: center;
}

.preference-row {
  justify-content: center;
}

.preference-row span {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 12px 18px;
}

.footer {
  background:
    radial-gradient(circle at 15% 92%, rgba(255,195,71,0.42), transparent 18%),
    linear-gradient(135deg, #062967 0%, #021646 100%);
  color: #ffffff;
  display: grid;
  gap: 60px;
  grid-template-columns: 1fr 420px;
  padding: 52px 8vw;
}

.footer h2 {
  font-size: 38px;
  line-height: 1.08;
  max-width: 360px;
}

.footer p,
.footer-features span {
  color: #ffffff;
}

.footer-features {
  margin-top: 36px;
  max-width: 650px;
}

.footer-features span {
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 8px;
  padding: 14px 16px;
}

.callback-form {
  border-radius: 8px;
  color: var(--ink);
  padding: 28px;
}

.form-grid {
  display: grid;
  gap: 12px;
  grid-template-columns: 1fr 1fr;
}

.callback-form button {
  background: var(--orange);
  color: #ffffff;
  margin-top: 14px;
}

.callback-form small {
  color: #596a91;
  display: block;
  margin-top: 12px;
  text-align: center;
}

.form-status {
  border-radius: 7px;
  font-size: 13px;
  font-weight: 800;
  margin: 12px 0 0;
  min-height: 20px;
  text-align: center;
}

.form-status.success {
  background: #eaf8ef;
  color: #0b7a35;
  padding: 10px;
}

.form-status.error {
  background: #fff0ec;
  color: #bf3419;
  padding: 10px;
}

.whatsapp-float {
  align-items: center;
  background: #25d366;
  border-radius: 50%;
  bottom: 24px;
  box-shadow: 0 14px 34px rgba(18, 120, 72, 0.32);
  display: inline-flex;
  height: 62px;
  justify-content: center;
  position: fixed;
  right: 24px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  width: 62px;
  z-index: 20;
}

.whatsapp-float:hover {
  box-shadow: 0 18px 42px rgba(18, 120, 72, 0.42);
  transform: translateY(-3px);
}

.whatsapp-float svg {
  fill: #ffffff;
  height: 34px;
  width: 34px;
}

@media (max-width: 1100px) {
  .top-strip,
  nav {
    display: none;
  }

  .hero,
  .split-area,
  .emi-section,
  .customer-grid,
  .documents,
  .footer {
    grid-template-columns: 1fr;
  }

  .benefit-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .eligibility-band {
    grid-template-columns: 1fr;
    padding: 24px;
  }

  .advisor-visual {
    display: none;
  }

  .transfer-card > * {
    max-width: 100%;
  }

  .transfer-card::after {
    display: none;
  }
}

@media (max-width: 720px) {
  .site-header {
    padding: 14px 5vw;
  }

  .brand strong {
    font-size: 15px;
  }

  .header-cta {
    min-height: 40px;
    padding: 0 14px;
  }

  .hero {
    min-height: auto;
    padding: 38px 5vw 280px;
    background:
      linear-gradient(180deg, rgba(255,255,255,0.98) 0%, rgba(255,255,255,0.94) 52%, rgba(255,255,255,0.26) 78%, rgba(255,255,255,0) 100%),
      url("assets/hero-home-loan.jpg") 68% bottom / auto 420px no-repeat,
      #eaf5ff;
  }

  h1 {
    font-size: 38px;
  }

  .section,
  .pre-footer,
  .footer {
    padding-left: 5vw;
    padding-right: 5vw;
  }

  .benefit-grid,
  .doc-columns,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .benefit-grid article,
  .benefit-grid article:first-child,
  .benefit-grid article:last-child {
    border-radius: 8px;
  }

  td,
  th {
    padding: 11px 10px;
  }

  .profile-figure {
    opacity: 0.22;
  }

  .whatsapp-float {
    bottom: 18px;
    height: 54px;
    right: 18px;
    width: 54px;
  }

  .whatsapp-float svg {
    height: 30px;
    width: 30px;
  }
}