/* ==========================================================================
   Lonwala.com - Exact Pure CSS Stylesheet
   ========================================================================== */

:root {
  --primary-color: #ff5e14;
  --primary-hover: #e04b08;
  --secondary-color: #0f0f2d;
  --green-bg: #193b1e;
  --blue-bg: #0b132b;
  --dark-navy: #0b0f28;
  --footer-bg: #070b1a;
  --body-color: #555a64;
  --heading-color: #0f0f2d;
  --border-color: #e5e7eb;
  --light-bg: #f7f9fc;
  --white: #ffffff;
  --font-syne: 'Syne', sans-serif;
  --font-dm: 'DM Sans', sans-serif;
  --ease-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-back: cubic-bezier(0.34, 1.56, 0.64, 1);
  --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-bounce: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
  --shadow-sm: 0 4px 12px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 10px 30px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 20px 40px rgba(0, 0, 0, 0.12);
  --shadow-primary: 0 10px 25px -4px rgba(255, 94, 20, 0.4);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
}

/* Reset & Box Sizing */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-dm);
  color: var(--body-color);
  background-color: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

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

a:hover {
  color: var(--primary-color);
}

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-syne);
  color: var(--heading-color);
  font-weight: 700;
  line-height: 1.25;
}

input, button, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

/* Container */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

.container-fluid {
  width: 100%;
  padding-left: 40px;
  padding-right: 40px;
  margin-left: auto;
  margin-right: auto;
}

/* Utility Helpers */
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-white h1, .text-white h2, .text-white h3, .text-white h4, .text-white p {
  color: var(--white);
}
.green-bg { background-color: var(--green-bg); }
.blue-bg { background-color: var(--blue-bg); }
.d-flex { display: flex; }
.align-items-center { align-items: center; }
.justify-content-center { justify-content: center; }
.justify-content-between { justify-content: space-between; }
.row {
  display: flex;
  flex-wrap: wrap;
  margin-left: -12px;
  margin-right: -12px;
}
.row > * {
  box-sizing: border-box;
  flex-shrink: 0;
  width: 100%;
  max-width: 100%;
  padding-left: 12px;
  padding-right: 12px;
}

.pt-110 { padding-top: 110px; }
.pt-120 { padding-top: 120px; }
.pt-130 { padding-top: 130px; }
.pt-170 { padding-top: 170px; }
.pt-185 { padding-top: 185px; }
.pb-80 { padding-bottom: 80px; }
.pb-100 { padding-bottom: 100px; }
.pb-130 { padding-bottom: 130px; }
.pb-170 { padding-bottom: 170px; }
.mb-25 { margin-bottom: 25px; }
.mb-30 { margin-bottom: 30px; }
.mb-35 { margin-bottom: 35px; }
.mb-40 { margin-bottom: 40px; }
.mb-50 { margin-bottom: 50px; }
.mb-60 { margin-bottom: 60px; }
.mb-65 { margin-bottom: 65px; }
.mb-70 { margin-bottom: 70px; }

/* Buttons */
.main-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 34px;
  font-family: var(--font-dm);
  font-weight: 700;
  font-size: 15px;
  border-radius: 8px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform 0.28s var(--ease-expo), box-shadow 0.28s var(--ease-expo), background-color 0.28s ease, color 0.28s ease, border-color 0.28s ease;
  text-transform: capitalize;
  line-height: 1;
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.main-btn::before {
  content: '';
  position: absolute;
  top: 0;
  left: -120%;
  width: 60%;
  height: 100%;
  background: linear-gradient(120deg, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 0.45) 50%, rgba(255, 255, 255, 0) 100%);
  transform: skewX(-25deg);
  transition: left 0.65s var(--ease-expo);
  z-index: 2;
  pointer-events: none;
}

.main-btn:hover::before {
  left: 150%;
}

.main-btn:hover {
  transform: translateY(-3px);
}

.main-btn:active {
  transform: translateY(-1px) scale(0.98);
}

.main-btn i {
  transition: transform 0.25s var(--ease-expo);
}

.main-btn:hover i {
  transform: translateX(4px);
}

.primary-btn {
  background-color: var(--primary-color);
  color: var(--white);
  box-shadow: 0 8px 20px rgba(255, 94, 20, 0.25);
}

.primary-btn:hover {
  background-color: var(--secondary-color);
  color: var(--white);
  box-shadow: 0 12px 28px -4px rgba(15, 15, 45, 0.35);
}

.secondary-btn {
  background-color: var(--secondary-color);
  color: var(--white);
  box-shadow: 0 6px 18px rgba(15, 15, 45, 0.2);
}

.secondary-btn:hover {
  background-color: var(--primary-color);
  color: var(--white);
  box-shadow: 0 12px 28px -4px rgba(255, 94, 20, 0.45);
}

.btn-link {
  font-weight: 700;
  color: var(--heading-color);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  transition: color 0.25s var(--ease-expo), gap 0.25s var(--ease-expo);
}

.btn-link:hover {
  color: var(--primary-color);
  gap: 12px;
}

.btn-link i {
  transition: transform 0.25s var(--ease-expo);
}

.btn-link:hover i {
  transform: translateX(4px);
}

.btn-link:hover {
  color: var(--primary-color);
}

/* Section Title */
.section-title .sub-title {
  display: inline-block;
  font-size: 15px;
  font-weight: 700;
  color: var(--primary-color);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 12px;
}

.section-title h2 {
  font-size: 40px;
  font-weight: 700;
  line-height: 1.25;
}

.text-white .section-title h2 {
  color: var(--white);
}

/* ==========================================================================
   Header Section
   ========================================================================== */
.header-area {
  position: relative;
  z-index: 999;
}

/* Header Top Bar */
.header-top-bar {
  padding: 10px 0;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.85);
}

.header-top-bar a {
  color: var(--white);
}

.header-top-bar .top-left {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}

.header-top-bar .top-left span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.header-top-bar .top-left i {
  color: var(--primary-color);
}

.header-top-bar .top-right {
  display: flex;
  justify-content: flex-end;
  align-items: center;
}

.social-link {
  display: flex;
  align-items: center;
  gap: 15px;
}

.social-link li a {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 13px;
  transition: transform 0.3s var(--ease-back), background-color 0.25s ease, box-shadow 0.3s ease, color 0.25s ease;
}

.social-link li a:hover {
  background: var(--primary-color);
  color: var(--white);
  transform: translateY(-3px) scale(1.15);
  box-shadow: 0 6px 16px rgba(255, 94, 20, 0.45);
}

/* Header Navigation */
.header-navigation {
  background: var(--white);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
  transition: var(--transition);
  position: relative;
}

.header-navigation.sticky {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  animation: slideDown 0.35s ease;
  z-index: 1000;
}

@keyframes slideDown {
  from { transform: translateY(-100%); }
  to { transform: translateY(0); }
}

.primary-menu {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 90px;
}

.site-branding .brand-logo img {
  height: 85px;
  width: auto;
  object-fit: contain;
  transition: transform 0.35s var(--ease-back), filter 0.3s ease;
}

.site-branding .brand-logo:hover img {
  transform: scale(1.05);
  filter: drop-shadow(0 4px 10px rgba(15, 15, 45, 0.1));
}

.nav-menu {
  display: flex;
  align-items: center;
}

.main-menu ul {
  display: flex;
  align-items: center;
  gap: 35px;
}

.main-menu ul li a {
  font-family: var(--font-dm);
  font-weight: 600;
  font-size: 16px;
  color: var(--heading-color);
  padding: 10px 0;
  position: relative;
  transition: color 0.25s var(--ease-expo);
}

.main-menu ul li a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  height: 2.5px;
  border-radius: 2px;
  background-color: var(--primary-color);
  transition: width 0.3s var(--ease-expo);
}

.main-menu ul li.active a,
.main-menu ul li a:hover {
  color: var(--primary-color);
}

.main-menu ul li.active a::after,
.main-menu ul li a:hover::after {
  width: 100%;
}

.nav-right-item {
  display: flex;
  align-items: center;
  gap: 20px;
}

.bar-item {
  cursor: pointer;
  padding: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  background: #f4f6f8;
  transition: transform 0.35s var(--ease-back), background-color 0.25s ease, box-shadow 0.25s ease;
}

.bar-item:hover {
  background: #fff0ea;
  transform: scale(1.1) rotate(90deg);
  box-shadow: 0 4px 12px rgba(255, 94, 20, 0.2);
}

.bar-item img {
  width: 24px;
  height: auto;
  transition: transform 0.2s ease;
}

.navbar-toggler {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: transparent;
  border: none;
}

.navbar-toggler span {
  display: block;
  width: 26px;
  height: 3px;
  background-color: var(--heading-color);
  border-radius: 2px;
  transition: var(--transition);
}

/* ==========================================================================
   Offcanvas Panel Drawer
   ========================================================================== */
.offcanvas-panel {
  position: fixed;
  top: 0;
  right: -420px;
  width: 400px;
  max-width: 90vw;
  height: 100vh;
  background: var(--white);
  z-index: 9999;
  box-shadow: -10px 0 40px rgba(0, 0, 0, 0.2);
  transition: right 0.4s cubic-bezier(0.77, 0, 0.175, 1);
  overflow-y: auto;
}

.offcanvas-panel.active {
  right: 0;
}

.panel-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(15, 15, 45, 0.6);
  backdrop-filter: blur(3px);
  z-index: 9998;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.panel-overlay.active {
  opacity: 1;
  visibility: visible;
}

.offcanvas-panel-inner {
  padding: 40px 30px;
  position: relative;
}

.panel-close {
  position: absolute;
  top: 30px;
  right: 30px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #f3f4f6;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--heading-color);
  font-size: 18px;
  cursor: pointer;
  transition: var(--transition);
}

.panel-close:hover {
  background: var(--primary-color);
  color: var(--white);
}

.panel-logo {
  margin-bottom: 30px;
}

.panel-logo img {
  height: 75px;
}

.panel-widget-title {
  font-size: 22px;
  margin-bottom: 15px;
  position: relative;
  padding-bottom: 10px;
}

.panel-widget-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 40px;
  height: 3px;
  background: var(--primary-color);
}

.about-us p {
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 15px;
}

.panel-contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 15px;
  font-size: 15px;
}

.panel-contact-list i {
  color: var(--primary-color);
  margin-top: 5px;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero-section {
  background: linear-gradient(135deg, #ffffff 0%, #f4f7fb 100%);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}

.hero-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
}

.hero-text-col {
  width: 50%;
}

.hero-image-col {
  width: 50%;
}

.hero-content {
  padding-right: 30px;
}

.hero-content .tag-line {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 700;
  color: var(--primary-color);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 18px;
  background: rgba(255, 94, 20, 0.08);
  padding: 6px 16px;
  border-radius: 20px;
}

.hero-content h1 {
  font-size: 52px;
  font-weight: 700;
  line-height: 1.18;
  margin-bottom: 25px;
  color: var(--heading-color);
}

.hero-content .hero-desc {
  font-size: 18px;
  line-height: 1.7;
  color: #64748b;
  margin-bottom: 35px;
}

.hero-button {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

.hero-one-image {
  position: relative;
  text-align: center;
}

.hero-one-image img {
  border-radius: 16px;
  box-shadow: 0 20px 50px rgba(15, 15, 45, 0.15);
  width: 100%;
  max-width: 540px;
  height: 420px;
  object-fit: cover;
  margin: 0 auto;
  transition: transform 0.5s var(--ease-expo), box-shadow 0.5s var(--ease-expo);
}

.hero-one-image:hover img {
  transform: translateY(-8px) scale(1.02);
  box-shadow: 0 28px 65px rgba(15, 15, 45, 0.22);
}

.hero-feature-badges {
  margin-top: 40px;
  display: flex;
  gap: 25px;
  flex-wrap: wrap;
}

.feature-badge-item {
  display: flex;
  align-items: center;
  gap: 12px;
  transition: transform 0.3s var(--ease-back);
  cursor: default;
}

.feature-badge-item:hover {
  transform: translateY(-3px);
}

.feature-badge-item .icon-circle {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #e8f5e9;
  color: #2e7d32;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  transition: transform 0.35s var(--ease-back), background-color 0.25s ease, color 0.25s ease, box-shadow 0.3s ease;
}

.feature-badge-item:hover .icon-circle {
  transform: scale(1.15) rotate(8deg);
  background: #2e7d32;
  color: #ffffff;
  box-shadow: 0 6px 16px rgba(46, 125, 50, 0.35);
}

.feature-badge-item h5 {
  font-size: 15px;
  margin-bottom: 2px;
}

.feature-badge-item p {
  font-size: 13px;
  color: #8892b0;
  margin: 0;
}

/* ==========================================================================
   About Section (Dark Theme with Infographic)
   ========================================================================== */
.about_area-one {
  background-color: var(--dark-navy);
  position: relative;
}

.about-image-wrapper {
  text-align: center;
}

.about-image-wrapper img {
  width: 75%;
  height: 600px;
  border-radius: 12px;
  object-fit: cover;
  margin: 0 auto;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.4);
  transition: transform 0.5s var(--ease-expo), box-shadow 0.5s var(--ease-expo);
}

.about-image-wrapper:hover img {
  transform: scale(1.025);
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.6);
}

.about-one_content-box {
  padding-left: 40px;
}

.about-one_content-box .section-title h2 {
  color: var(--white);
  font-size: 38px;
  margin-bottom: 25px;
}

.about-one_content-box .text p {
  font-size: 16px;
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 30px;
}

.partner-pills {
  margin-top: 25px;
  margin-bottom: 35px;
}

.partner-pills span {
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.6);
  display: block;
  margin-bottom: 12px;
}

.partner-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.partner-tag {
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 20px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  transition: transform 0.25s var(--ease-back), background-color 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
  cursor: default;
}

.partner-tag:hover {
  transform: translateY(-3px) scale(1.05);
  background: rgba(255, 94, 20, 0.25);
  border-color: var(--primary-color);
  box-shadow: 0 4px 14px rgba(255, 94, 20, 0.3);
}

/* ==========================================================================
   Services Section (Loan Types Grid)
   ========================================================================== */
.services-section {
  background: var(--light-bg);
}

.single-blog-post {
  background: var(--white);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(15, 15, 45, 0.05);
  border: 1px solid rgba(226, 232, 240, 0.8);
  transition: transform 0.4s var(--ease-expo), box-shadow 0.4s var(--ease-expo), border-color 0.3s ease;
  margin-bottom: 30px;
  display: flex;
  flex-direction: column;
  height: calc(100% - 30px);
  position: relative;
}

.single-blog-post::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-color) 0%, #ff8c42 100%);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease-expo);
  z-index: 5;
}

.single-blog-post:hover {
  transform: translateY(-10px);
  box-shadow: 0 24px 48px -12px rgba(15, 15, 45, 0.14), 0 0 0 1px rgba(255, 94, 20, 0.18);
  border-color: rgba(255, 94, 20, 0.3);
}

.single-blog-post:hover::before {
  transform: scaleX(1);
}

.post-thumbnail {
  overflow: hidden;
  height: 235px;
  position: relative;
}

.post-thumbnail::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(15, 15, 45, 0.3) 0%, transparent 60%);
  opacity: 0;
  transition: opacity 0.4s ease;
  pointer-events: none;
}

.single-blog-post:hover .post-thumbnail::after {
  opacity: 1;
}

.post-thumbnail img {
  width: 100%;
  height: 235px;
  object-fit: cover;
  transition: transform 0.65s var(--ease-expo), filter 0.5s ease;
}

.single-blog-post:hover .post-thumbnail img {
  transform: scale(1.08);
  filter: brightness(1.04) saturate(1.06);
}

.entry-content {
  padding: 24px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  flex-grow: 1;
}

.entry-content .title {
  font-size: 22px;
  margin-bottom: 15px;
}

.entry-content .title a {
  color: var(--heading-color);
  transition: color 0.25s var(--ease-expo);
}

.entry-content .title a:hover {
  color: var(--primary-color);
}

.entry-content .btn-link {
  color: var(--primary-color);
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: gap 0.3s var(--ease-expo), color 0.25s ease;
}

.entry-content .btn-link:hover {
  gap: 12px;
  color: #e04b08;
}

.entry-content .btn-link i {
  transition: transform 0.3s var(--ease-expo);
}

.entry-content .btn-link:hover i {
  transform: translateX(5px);
}

/* ==========================================================================
   Process Section (How to Get Loan)
   ========================================================================== */
.process-section {
  position: relative;
  background-color: var(--white);
  overflow: hidden;
}

.process-wrapper {
  position: relative;
}

.process-wrapper .line-shape {
  position: absolute;
  top: 40%;
  left: 5%;
  right: 5%;
  width: 90%;
  text-align: center;
  z-index: 1;
  pointer-events: none;
}

.process-wrapper .line-shape img {
  width: 100%;
  opacity: 0.6;
}

.single-process-item {
  position: relative;
  z-index: 2;
  margin-bottom: 40px;
}

.process-inner-content {
  padding: 35px 25px;
  border-radius: 14px;
  min-height: 260px;
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  transition: transform 0.4s var(--ease-expo), box-shadow 0.4s var(--ease-expo), border-color 0.3s ease;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid transparent;
}

.process-inner-content:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 45px -10px rgba(255, 94, 20, 0.22);
  border-color: rgba(255, 94, 20, 0.25);
  background: var(--white);
}

.process-inner-content .step {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 40px;
  transition: transform 0.4s var(--ease-back);
}

.process-inner-content:hover .step {
  transform: scale(1.2) rotate(10deg);
}

.process-inner-content .icon {
  margin-bottom: 25px;
}

.process-inner-content .icon img {
  height: 50px;
  width: auto;
  transition: transform 0.4s var(--ease-back);
}

.process-inner-content:hover .icon img {
  transform: translateY(-6px) scale(1.08);
}

.process-inner-content .content h5 {
  font-size: 19px;
  font-weight: 700;
  line-height: 1.4;
}

/* ==========================================================================
   Modern Interactive Loan EMI Calculator & Tools
   ========================================================================== */
.calculator-section {
  background: linear-gradient(180deg, #ffffff 0%, #f4f7fb 100%);
  padding: 100px 0;
  position: relative;
}

.calc-tabs {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.calc-tab-btn {
  background: var(--white);
  border: 1.5px solid var(--border-color);
  padding: 12px 24px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 15px;
  color: var(--heading-color);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: transform 0.3s var(--ease-back), box-shadow 0.3s var(--ease-expo), border-color 0.25s ease, background-color 0.25s ease, color 0.25s ease;
  box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}

.calc-tab-btn i {
  transition: transform 0.3s var(--ease-back);
}

.calc-tab-btn:hover {
  border-color: var(--primary-color);
  color: var(--primary-color);
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 8px 20px rgba(255, 94, 20, 0.2);
}

.calc-tab-btn:hover i {
  transform: rotate(-10deg) scale(1.15);
}

.calc-tab-btn.active {
  background: var(--primary-color);
  color: var(--white);
  border-color: var(--primary-color);
  box-shadow: 0 8px 25px rgba(255, 94, 20, 0.35);
  transform: translateY(-2px);
}

.calculator-card {
  background: var(--white);
  border-radius: 20px;
  padding: 40px;
  box-shadow: 0 15px 40px rgba(15, 15, 45, 0.08);
  border: 1px solid rgba(226, 232, 240, 0.8);
  transition: box-shadow 0.4s var(--ease-expo);
}

.calculator-card:hover {
  box-shadow: 0 22px 50px rgba(15, 15, 45, 0.12);
}

.calc-control {
  margin-bottom: 32px;
}

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

.calc-label-row label {
  font-weight: 700;
  color: var(--heading-color);
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.calc-input-wrapper {
  display: flex;
  align-items: center;
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 8px;
  padding: 6px 12px;
  transition: border-color 0.25s ease, background-color 0.25s ease, box-shadow 0.25s ease;
}

.calc-input-wrapper:hover {
  border-color: #cbd5e1;
  background: #ffffff;
}

.calc-input-wrapper:focus-within {
  border-color: var(--primary-color);
  background: #ffffff;
  box-shadow: 0 0 0 4px rgba(255, 94, 20, 0.18);
}

.calc-input-prefix {
  font-weight: 700;
  color: var(--primary-color);
  margin-right: 6px;
  font-size: 15px;
}

.calc-num-input {
  border: none;
  background: transparent;
  font-weight: 700;
  font-size: 16px;
  color: var(--heading-color);
  width: 140px;
  outline: none;
  text-align: right;
}

.calc-range {
  width: 100%;
  height: 8px;
  border-radius: 6px;
  background: #e2e8f0;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
  transition: background 0.2s;
}

.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary-color);
  cursor: pointer;
  box-shadow: 0 3px 10px rgba(255, 94, 20, 0.45);
  border: 3px solid #ffffff;
  transition: transform 0.25s var(--ease-back), box-shadow 0.25s ease;
}

.calc-range::-webkit-slider-thumb:hover {
  transform: scale(1.3);
  box-shadow: 0 0 0 8px rgba(255, 94, 20, 0.25);
}

.calc-range::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary-color);
  cursor: pointer;
  border: 3px solid #ffffff;
  transition: transform 0.25s var(--ease-back), box-shadow 0.25s ease;
}

.calc-range::-moz-range-thumb:hover {
  transform: scale(1.3);
  box-shadow: 0 0 0 8px rgba(255, 94, 20, 0.25);
}

.calc-range-limits {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  color: #94a3b8;
  margin-top: 8px;
  font-weight: 500;
}

.calc-result-box {
  background: linear-gradient(145deg, #0f0f2d 0%, #0a1026 100%);
  border-radius: 20px;
  padding: 40px;
  color: var(--white);
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 20px 50px rgba(15, 15, 45, 0.25);
  position: relative;
  overflow: hidden;
  transition: transform 0.35s var(--ease-expo), box-shadow 0.35s var(--ease-expo);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.calc-result-box:hover {
  transform: translateY(-4px);
  box-shadow: 0 25px 60px rgba(15, 15, 45, 0.35);
  border-color: rgba(255, 94, 20, 0.3);
}

.calc-result-box::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 160px;
  height: 160px;
  background: radial-gradient(circle, rgba(255, 94, 20, 0.25) 0%, transparent 70%);
  pointer-events: none;
}

.emi-display {
  text-align: center;
  padding-bottom: 25px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.emi-display span {
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 600;
}

.emi-display h3 {
  font-size: 46px;
  color: var(--primary-color);
  margin-top: 6px;
  font-weight: 800;
  transition: transform 0.2s ease;
}

/* Donut Chart Visualizer */
.chart-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 25px;
  margin: 25px 0;
  padding: 15px 0;
}

.chart-svg-wrap {
  width: 120px;
  height: 120px;
  position: relative;
  flex-shrink: 0;
  transition: transform 0.4s var(--ease-back);
}

.chart-svg-wrap:hover {
  transform: scale(1.08);
}

.chart-svg {
  transform: rotate(-90deg);
  width: 100%;
  height: 100%;
}

.chart-circle-bg {
  fill: none;
  stroke: rgba(255, 255, 255, 0.1);
  stroke-width: 16;
}

.chart-circle-principal {
  fill: none;
  stroke: #ff5e14;
  stroke-width: 16;
  stroke-linecap: round;
  transition: stroke-dasharray 0.6s ease;
}

.chart-circle-interest {
  fill: none;
  stroke: #2563eb;
  stroke-width: 16;
  stroke-linecap: round;
  transition: stroke-dasharray 0.6s ease;
}

.chart-legend {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.85);
  transition: transform 0.2s ease, color 0.2s ease;
}

.legend-item:hover {
  transform: translateX(4px);
  color: #ffffff;
}

.legend-dot {
  width: 12px;
  height: 12px;
  border-radius: 4px;
  flex-shrink: 0;
}

.legend-dot.principal { background: #ff5e14; }
.legend-dot.interest { background: #2563eb; }

.calc-breakdown-list {
  margin: 15px 0 25px;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 12px;
  padding: 16px 20px;
  border: 1px solid rgba(255, 255, 255, 0.06);
  transition: background-color 0.3s ease;
}

.calc-breakdown-list:hover {
  background: rgba(255, 255, 255, 0.08);
}

.calc-breakdown-item {
  display: flex;
  justify-content: space-between;
  margin-bottom: 12px;
  font-size: 15px;
  color: rgba(255, 255, 255, 0.85);
  transition: transform 0.2s ease;
}

.calc-breakdown-item:hover {
  transform: translateX(3px);
}

.calc-breakdown-item:last-child {
  margin-bottom: 0;
  padding-top: 10px;
  border-top: 1px dashed rgba(255, 255, 255, 0.15);
}

.calc-breakdown-item strong {
  color: var(--white);
  font-size: 16px;
}

/* Amortization Schedule Table */
.schedule-toggle-wrap {
  text-align: center;
  margin-top: 40px;
}

.schedule-toggle-btn {
  background: var(--white);
  border: 1.5px solid var(--border-color);
  padding: 12px 28px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 15px;
  color: var(--heading-color);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: transform 0.3s var(--ease-back), background-color 0.25s ease, color 0.25s ease, border-color 0.25s ease, box-shadow 0.3s ease;
  position: relative;
  overflow: hidden;
}

.schedule-toggle-btn:hover {
  background: var(--primary-color);
  color: var(--white);
  border-color: var(--primary-color);
  transform: translateY(-3px);
  box-shadow: 0 8px 22px rgba(255, 94, 20, 0.35);
}

.schedule-toggle-btn i {
  transition: transform 0.3s var(--ease-back);
}

.schedule-toggle-btn:hover i {
  transform: rotate(90deg);
}

.amortization-container {
  display: none;
  margin-top: 35px;
  background: var(--white);
  border-radius: 16px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-color);
  overflow: hidden;
}

.amortization-container.active {
  display: block;
}

.amortization-table-wrap {
  overflow-x: auto;
  max-height: 480px;
}

.amortization-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 14px;
}

.amortization-table th {
  background: #0f0f2d;
  color: var(--white);
  padding: 16px 20px;
  font-weight: 700;
  position: sticky;
  top: 0;
  z-index: 5;
}

.amortization-table td {
  padding: 14px 20px;
  border-bottom: 1px solid #edf2f7;
  color: #4a5568;
  transition: background-color 0.2s ease, color 0.2s ease;
}

.amortization-table tr:nth-child(even) td {
  background-color: #f8fafc;
}

.amortization-table tr:hover td {
  background-color: #fff7ed;
  color: var(--heading-color);
}

/* Modern Bank Rates Comparison */
.bank-comparison-section {
  padding: 60px 0;
  background: var(--white);
}

.comparison-card {
  background: #ffffff;
  border: 1.5px solid var(--border-color);
  border-radius: 16px;
  padding: 24px;
  transition: transform 0.35s var(--ease-expo), box-shadow 0.35s var(--ease-expo), border-color 0.3s ease;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
}

.comparison-card:hover {
  border-color: var(--primary-color);
  transform: translateY(-8px) scale(1.01);
  box-shadow: 0 20px 42px -10px rgba(255, 94, 20, 0.2);
}

.comparison-card .btn-link {
  transition: color 0.25s ease, gap 0.25s ease;
}

.comparison-card:hover .btn-link {
  gap: 12px;
}

.comparison-bank-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid #f1f5f9;
}

.comparison-bank-header h4 {
  font-size: 18px;
  margin: 0;
  transition: color 0.25s ease;
}

.comparison-card:hover .comparison-bank-header h4 {
  color: var(--primary-color);
}

.badge-rate {
  background: #e0f2fe;
  color: #0369a1;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  transition: transform 0.25s var(--ease-back);
}

.comparison-card:hover .badge-rate {
  transform: scale(1.08);
}

.badge-featured {
  background: #ffedd5;
  color: #c2410c;
}

.comparison-stat {
  margin-bottom: 12px;
  display: flex;
  justify-content: space-between;
  font-size: 14px;
}

.comparison-stat span { color: #64748b; }
.comparison-stat strong { color: var(--heading-color); font-weight: 700; }

/* Modern Trust Marquee / Ticker */
.trust-marquee {
  background: #0f0f2d;
  color: var(--white);
  padding: 16px 0;
  overflow: hidden;
  white-space: nowrap;
}

.trust-marquee:hover .marquee-content {
  animation-play-state: paused;
}

.marquee-content {
  display: inline-flex;
  gap: 40px;
  animation: marquee 25s linear infinite;
}

.marquee-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  transition: color 0.2s ease, transform 0.25s var(--ease-back);
  cursor: default;
}

.marquee-item:hover {
  color: #ff8a4c;
  transform: scale(1.05);
}

.marquee-item i {
  color: var(--primary-color);
  transition: transform 0.25s var(--ease-back);
}

.marquee-item:hover i {
  transform: rotate(15deg) scale(1.2);
}

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

/* Mobile Sticky Bottom Conversion Bar */
.mobile-bottom-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: #ffffff;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.1);
  z-index: 9998;
  padding: 8px 10px;
  border-top: 1px solid #e2e8f0;
}

.mobile-bar-actions {
  display: flex;
  justify-content: space-around;
  align-items: center;
  gap: 6px;
}

.mobile-bar-btn {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 6px 4px;
  border-radius: 8px;
  font-size: 11px;
  font-weight: 700;
  color: var(--heading-color);
  text-decoration: none;
  transition: var(--transition);
  text-align: center;
}

.mobile-bar-btn i {
  font-size: 16px;
  margin-bottom: 3px;
}

.mobile-bar-btn.call-btn {
  background: #eef2ff;
  color: #3730a3;
}

.mobile-bar-btn.whatsapp-btn {
  background: #dcfce7;
  color: #166534;
}

.mobile-bar-btn.calc-btn {
  background: #fff7ed;
  color: #9a3412;
}

.mobile-bar-btn.apply-btn {
  background: var(--primary-color);
  color: var(--white);
  box-shadow: 0 4px 10px rgba(255, 94, 20, 0.3);
}


/* ==========================================================================
   Testimonial Section
   ========================================================================== */
.testimonial-section {
  position: relative;
  background-color: var(--blue-bg);
  overflow: hidden;
}

.testimonial-slider-wrapper {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
}

.testimonial-track {
  display: flex;
  transition: transform 0.5s ease-in-out;
}

.single-testimonial-item {
  flex: 0 0 100%;
  max-width: 100%;
  padding: 0 15px;
}

.testimonial-inner-content {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 16px;
  padding: 45px 50px;
  backdrop-filter: blur(5px);
  display: flex;
  align-items: center;
  gap: 35px;
}

.author-thumb img {
  width: 95px;
  height: 95px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--primary-color);
  background: #fff;
  padding: 4px;
}

.testimonial-content {
  flex-grow: 1;
}

.testimonial-content p {
  font-size: 18px;
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 25px;
  color: rgba(255, 255, 255, 0.9);
}

.quote-title-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.author-title h4 {
  font-size: 20px;
  color: var(--white);
  margin-bottom: 4px;
}

.author-title .position {
  font-size: 14px;
  color: var(--primary-color);
  margin-bottom: 0;
  font-style: normal;
}

.quote img {
  width: 38px;
  opacity: 0.5;
}

.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 35px;
}

.slider-btn {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.12);
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.15);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s var(--ease-back), background-color 0.25s ease, box-shadow 0.3s ease, border-color 0.25s ease;
}

.slider-btn:hover {
  background: var(--primary-color);
  border-color: var(--primary-color);
  transform: scale(1.15);
  box-shadow: 0 6px 20px rgba(255, 94, 20, 0.45);
}

.slider-btn:active {
  transform: scale(0.95);
}

.slider-dots {
  display: flex;
  gap: 8px;
}

.slider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.25);
  cursor: pointer;
  transition: all 0.3s var(--ease-back);
}

.slider-dot:hover {
  background: rgba(255, 255, 255, 0.7);
  transform: scale(1.25);
}

.slider-dot.active {
  background: var(--primary-color);
  width: 28px;
  border-radius: 6px;
}

/* ==========================================================================
   Page Banner (Breadcrumb)
   ========================================================================== */
.page-banner {
  background-size: cover;
  background-position: center center;
  position: relative;
  z-index: 1;
}

.page-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(11, 15, 40, 0.85);
  z-index: -1;
}

.page-banner-content .page-title {
  font-size: 46px;
  font-weight: 700;
  margin-bottom: 15px;
}

.breadcrumb-link {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  font-size: 16px;
}

.breadcrumb-link li a {
  color: rgba(255, 255, 255, 0.7);
  transition: color 0.2s ease;
}

.breadcrumb-link li a:hover {
  color: var(--primary-color);
}

.breadcrumb-link li.active {
  color: var(--primary-color);
}

.breadcrumb-link li:not(:last-child)::after {
  content: '/';
  margin-left: 12px;
  color: rgba(255, 255, 255, 0.4);
}

/* ==========================================================================
   Contact Page Styles
   ========================================================================== */
.contact-content-box p {
  font-size: 18px;
  margin-bottom: 25px;
}

.contact-content-box img {
  border-radius: 12px;
  box-shadow: var(--shadow-md);
  transition: transform 0.4s var(--ease-expo);
}

.contact-content-box:hover img {
  transform: scale(1.02);
}

.single-info-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  margin-bottom: 35px;
  transition: transform 0.3s var(--ease-back);
}

.single-info-item:hover {
  transform: translateX(4px);
}

.single-info-item .icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: rgba(255, 94, 20, 0.1);
  color: var(--primary-color);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
  transition: transform 0.35s var(--ease-back), background-color 0.25s ease, color 0.25s ease, box-shadow 0.3s ease;
}

.single-info-item:hover .icon {
  background: var(--primary-color);
  color: var(--white);
  transform: scale(1.12) rotate(6deg);
  box-shadow: 0 8px 20px rgba(255, 94, 20, 0.35);
}

.single-info-item .info .title {
  font-size: 14px;
  text-transform: uppercase;
  color: #8892b0;
  letter-spacing: 1px;
  font-weight: 700;
  display: block;
  margin-bottom: 4px;
}

.single-info-item .info h3 {
  font-size: 19px;
  font-weight: 700;
  line-height: 1.4;
}

.social-link-two {
  display: flex;
  gap: 12px;
}

.social-link-two li a {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 1.5px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--heading-color);
  transition: transform 0.3s var(--ease-back), background-color 0.25s ease, color 0.25s ease, border-color 0.25s ease, box-shadow 0.3s ease;
}

.social-link-two li a:hover {
  background: var(--primary-color);
  color: var(--white);
  border-color: var(--primary-color);
  transform: translateY(-4px) scale(1.12);
  box-shadow: 0 6px 18px rgba(255, 94, 20, 0.35);
}

/* Forms */
.contact-area {
  background: var(--white);
  padding: 45px;
  border-radius: 16px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-color);
  transition: box-shadow 0.4s var(--ease-expo);
}

.contact-area:hover {
  box-shadow: 0 20px 45px rgba(15, 15, 45, 0.1);
}

.form_group {
  margin-bottom: 20px;
  position: relative;
}

.form_control {
  width: 100%;
  height: 54px;
  padding: 12px 20px;
  border: 1.5px solid var(--border-color);
  border-radius: 8px;
  background-color: #fafbfc;
  color: var(--heading-color);
  outline: none;
  transition: border-color 0.25s ease, background-color 0.25s ease, box-shadow 0.25s ease;
}

.form_control:hover {
  border-color: #cbd5e1;
  background-color: #ffffff;
}

.form_control:focus {
  border-color: var(--primary-color);
  background-color: var(--white);
  box-shadow: 0 0 0 4px rgba(255, 94, 20, 0.18);
}

textarea.form_control {
  height: auto;
  min-height: 130px;
  resize: vertical;
}

select.wide {
  width: 100%;
  height: 54px;
  padding: 12px 20px;
  border: 1.5px solid var(--border-color);
  border-radius: 8px;
  background-color: #fafbfc;
  color: var(--heading-color);
  outline: none;
  cursor: pointer;
  transition: border-color 0.25s ease, background-color 0.25s ease, box-shadow 0.25s ease;
}

select.wide:hover {
  border-color: #cbd5e1;
  background-color: #ffffff;
}

select.wide:focus {
  border-color: var(--primary-color);
  box-shadow: 0 0 0 4px rgba(255, 94, 20, 0.18);
}

.form-feedback {
  display: none;
  padding: 14px 20px;
  border-radius: 8px;
  margin-bottom: 20px;
  font-weight: 500;
  text-align: center;
}

.form-feedback.success {
  display: block;
  background: #e8f5e9;
  color: #2e7d32;
  border: 1px solid #c8e6c9;
}

/* Map Section */
.map-section {
  height: 400px;
  width: 100%;
  margin-top: 50px;
}

.map-section iframe {
  width: 100%;
  height: 100%;
  border: none;
  border-radius: 12px;
}

/* ==========================================================================
   Footer Section
   ========================================================================== */
.footer-area {
  background-color: var(--footer-bg);
  color: rgba(255, 255, 255, 0.7);
  position: relative;
}

.footer-widget-area {
  padding-bottom: 60px;
}

.footer-widget .widget-title {
  color: var(--white);
  font-size: 22px;
  margin-bottom: 30px;
  position: relative;
  padding-bottom: 12px;
}

.footer-widget .widget-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 35px;
  height: 2px;
  background: var(--primary-color);
}

.footer-widget-nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-content {
  display: flex;
  gap: 30px;
}

.footer-widget-nav li a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 15px;
  display: inline-flex;
  align-items: center;
  transition: all 0.25s var(--ease-expo);
  position: relative;
}

.footer-widget-nav li a::before {
  content: '→';
  font-weight: 700;
  color: var(--primary-color);
  opacity: 0;
  width: 0;
  overflow: hidden;
  transform: translateX(-8px);
  transition: all 0.25s var(--ease-expo);
}

.footer-widget-nav li a:hover {
  color: var(--white);
  padding-left: 6px;
}

.footer-widget-nav li a:hover::before {
  opacity: 1;
  width: 18px;
  transform: translateX(0);
}

.contact-info-widget ul li {
  margin-bottom: 15px;
  font-size: 15px;
  line-height: 1.7;
}

.contact-info-widget ul li a {
  color: rgba(255, 255, 255, 0.85);
  transition: color 0.2s ease;
}

.contact-info-widget ul li a:hover {
  color: var(--primary-color);
}

.footer-newsletter-widget .form_group {
  position: relative;
}

.footer-newsletter-widget .form_control {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: var(--white);
  padding-left: 45px;
}

.footer-newsletter-widget label {
  position: absolute;
  left: 18px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--primary-color);
  z-index: 2;
}

.social-box .social-link {
  display: flex;
  align-items: center;
  gap: 12px;
}

.social-box span {
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
}

.footer-copyright {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 25px 0;
}

.footer-text p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 14px;
}

.footer-text a {
  color: var(--primary-color);
  font-weight: 600;
  transition: color 0.2s ease;
}

.footer-text a:hover {
  color: #ff8a4c;
}

.footer-nav ul {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 25px;
}

.footer-nav ul li a {
  color: rgba(255, 255, 255, 0.65);
  font-size: 14px;
  transition: color 0.2s ease;
}

.footer-nav ul li a:hover {
  color: var(--primary-color);
}

/* ==========================================================================
   Back to top Button
   ========================================================================== */
.back-to-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 50px;
  height: 50px;
  background: var(--primary-color);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  cursor: pointer;
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transition: transform 0.3s var(--ease-back), background-color 0.25s ease, box-shadow 0.3s ease, opacity 0.3s ease, visibility 0.3s ease;
  box-shadow: 0 4px 15px rgba(255, 94, 20, 0.4);
}

.back-to-top.active {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  background: var(--secondary-color);
  transform: translateY(-6px) scale(1.1);
  box-shadow: 0 8px 25px rgba(15, 15, 45, 0.4);
}

/* ==========================================================================
   WhatsApp Floating Widget (Authentic Gallabox Replica)
   ========================================================================== */
.whatsapp-widget-container {
  position: fixed;
  bottom: 30px;
  left: 30px;
  z-index: 9999;
  font-family: var(--font-dm);
}

.whatsapp-float-btn {
  width: 60px;
  height: 60px;
  background-color: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 32px;
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
  cursor: pointer;
  border: none;
  transition: transform 0.35s var(--ease-back), box-shadow 0.35s ease;
  position: relative;
}

.whatsapp-float-btn:hover {
  transform: scale(1.12) rotate(6deg);
  box-shadow: 0 10px 30px rgba(37, 211, 102, 0.6);
}

.whatsapp-ping {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border-radius: 50%;
  border: 2px solid #25d366;
  animation: ping 2s infinite cubic-bezier(0, 0, 0.2, 1);
}

@keyframes ping {
  75%, 100% {
    transform: scale(1.5);
    opacity: 0;
  }
}

.whatsapp-chat-box {
  position: absolute;
  bottom: 75px;
  left: 0;
  width: 320px;
  background: var(--white);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.18);
  opacity: 0;
  visibility: hidden;
  transform: translateY(15px);
  transition: var(--transition);
  border: 1px solid #eef2f6;
}

.whatsapp-chat-box.active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.chat-box-header {
  background-color: #25d366;
  color: var(--white);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  position: relative;
}

.chat-box-header img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #fff;
  padding: 3px;
}

.chat-header-info h4 {
  font-size: 16px;
  color: var(--white);
  margin-bottom: 2px;
}

.chat-header-info span {
  font-size: 12px;
  opacity: 0.9;
}

.chat-close-btn {
  position: absolute;
  top: 14px;
  right: 14px;
  background: transparent;
  border: none;
  color: var(--white);
  font-size: 18px;
  cursor: pointer;
  transition: transform 0.2s ease;
}

.chat-close-btn:hover {
  transform: scale(1.2);
}

.chat-box-body {
  padding: 18px;
  background: #efeae2;
  min-height: 140px;
}

.chat-bubble {
  background: var(--white);
  padding: 12px 14px;
  border-radius: 8px 8px 8px 0;
  box-shadow: 0 1px 2px rgba(0,0,0,0.1);
  font-size: 14px;
  color: #333;
  margin-bottom: 12px;
}

.chat-reply-options {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.chat-reply-btn {
  background: var(--white);
  border: 1.5px solid #25d366;
  color: #075e54;
  padding: 8px 14px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  text-align: left;
  transition: transform 0.25s var(--ease-back), background-color 0.25s ease, color 0.25s ease, box-shadow 0.25s ease;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.chat-reply-btn:hover {
  background: #25d366;
  color: var(--white);
  transform: translateX(4px) scale(1.02);
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.3);
}

/* FAQ Accordion */
.faq-accordion {
  max-width: 850px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border-color);
  border-radius: 12px;
  margin-bottom: 16px;
  overflow: hidden;
  transition: transform 0.3s var(--ease-expo), box-shadow 0.3s var(--ease-expo), border-color 0.25s ease;
}

.faq-item:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 30px rgba(15, 15, 45, 0.07);
  border-color: rgba(255, 94, 20, 0.4);
}

.faq-header {
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  background: var(--white);
  transition: background-color 0.25s ease;
}

.faq-header:hover {
  background-color: #fafbfc;
}

.faq-header h4 {
  font-size: 18px;
  font-weight: 600;
  margin: 0;
  color: var(--heading-color);
  transition: color 0.2s ease;
}

.faq-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: #f1f5f9;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  color: var(--heading-color);
  transition: transform 0.35s var(--ease-back), background-color 0.25s ease, color 0.25s ease;
}

.faq-header:hover .faq-icon {
  background: rgba(255, 94, 20, 0.15);
  color: var(--primary-color);
}

.faq-item.active .faq-header {
  background: #fff8f5;
}

.faq-item.active .faq-header h4 {
  color: var(--primary-color);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--primary-color);
  color: var(--white);
}

.faq-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease-out;
  padding: 0 24px;
  color: var(--body-color);
  font-size: 15px;
  line-height: 1.7;
}

.faq-item.active .faq-body {
  padding: 10px 24px 24px;
}

/* About Page Stat Boxes & EEE Pillars Hover */
.about-stat-box {
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 12px;
  padding: 22px 16px;
  text-align: center;
  transition: transform 0.35s var(--ease-expo), box-shadow 0.35s var(--ease-expo), border-color 0.25s ease, background-color 0.25s ease;
  cursor: default;
}

.about-stat-box:hover {
  transform: translateY(-6px);
  border-color: var(--primary-color);
  box-shadow: 0 14px 30px rgba(255, 94, 20, 0.15);
  background: #ffffff;
}

.eee-pillar-card {
  background: #ffffff;
  padding: 35px 25px;
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  height: 100%;
  border-top: 4px solid var(--primary-color);
  transition: transform 0.4s var(--ease-expo), box-shadow 0.4s var(--ease-expo);
  position: relative;
}

.eee-pillar-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 22px 45px rgba(15, 15, 45, 0.12);
}

.eee-pillar-card .icon-box {
  width: 55px;
  height: 55px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 20px;
  transition: transform 0.35s var(--ease-back);
}

.eee-pillar-card:hover .icon-box {
  transform: scale(1.15) rotate(8deg);
}

.mobile-bar-btn {
  transition: transform 0.2s var(--ease-back), background-color 0.2s ease, box-shadow 0.2s ease;
}

.mobile-bar-btn:hover {
  transform: translateY(-2px);
}

.mobile-bar-btn:active {
  transform: scale(0.95);
}

/* ==========================================================================
   Lonwala AI Loan Advisor - Interactive Floating Widget & Chat
   ========================================================================== */
.ai-advisor-widget {
  position: fixed;
  bottom: 95px;
  right: 28px;
  z-index: 9998;
  font-family: var(--font-dm);
}

.ai-advisor-launcher {
  display: flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
  color: #ffffff;
  border: 1.5px solid rgba(255, 94, 20, 0.6);
  padding: 10px 18px 10px 12px;
  border-radius: 50px;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.35), 0 0 20px rgba(255, 94, 20, 0.25);
  cursor: pointer;
  transition: transform 0.35s var(--ease-back), box-shadow 0.35s ease, border-color 0.25s ease;
  user-select: none;
}

.ai-advisor-launcher:hover {
  transform: translateY(-4px) scale(1.04);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.45), 0 0 25px rgba(255, 94, 20, 0.4);
  border-color: var(--primary-color);
}

.ai-avatar-ring {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, #ff5e14 0%, #ff8b3d 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 19px;
  color: #ffffff;
  position: relative;
  box-shadow: 0 4px 12px rgba(255, 94, 20, 0.5);
}

.ai-live-pulse {
  position: absolute;
  top: -2px;
  right: -2px;
  width: 12px;
  height: 12px;
  background: #10b981;
  border: 2px solid #0f172a;
  border-radius: 50%;
  animation: aiPulse 2s infinite;
}

@keyframes aiPulse {
  0% { box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
  70% { box-shadow: 0 0 0 8px rgba(16, 185, 129, 0); }
  100% { box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
}

.ai-launcher-label {
  display: flex;
  flex-direction: column;
  line-height: 1.25;
}

.ai-launcher-title {
  font-size: 14px;
  font-weight: 700;
  color: #ffffff;
  display: flex;
  align-items: center;
  gap: 6px;
}

.ai-sparkle-tag {
  background: rgba(255, 94, 20, 0.25);
  color: #ff914d;
  font-size: 10px;
  font-weight: 800;
  padding: 2px 6px;
  border-radius: 6px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.ai-launcher-sub {
  font-size: 11px;
  color: #94a3b8;
}

/* Chat Popup Window */
.ai-chat-window {
  position: fixed;
  bottom: 95px;
  right: 28px;
  width: 390px;
  max-width: calc(100vw - 32px);
  height: 570px;
  max-height: calc(100vh - 120px);
  background: #ffffff;
  border-radius: 20px;
  box-shadow: 0 24px 60px rgba(15, 23, 42, 0.3), 0 0 0 1px rgba(226, 232, 240, 0.8);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  z-index: 9999;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px) scale(0.96);
  transform-origin: bottom right;
  transition: opacity 0.3s var(--ease-expo), transform 0.3s var(--ease-back), visibility 0.3s ease;
}

.ai-chat-window.active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

/* Header */
.ai-chat-header {
  background: linear-gradient(135deg, #0b132b 0%, #1c2541 100%);
  color: #ffffff;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 2px solid rgba(255, 94, 20, 0.3);
}

.ai-header-info {
  display: flex;
  align-items: center;
  gap: 12px;
}

.ai-header-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, #ff5e14 0%, #ff8b3d 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  color: #ffffff;
  box-shadow: 0 4px 10px rgba(255, 94, 20, 0.4);
}

.ai-header-text h4 {
  font-size: 15px;
  font-weight: 700;
  margin: 0;
  color: #ffffff;
}

.ai-header-status {
  font-size: 11px;
  color: #34d399;
  display: flex;
  align-items: center;
  gap: 5px;
}

.ai-header-status::before {
  content: '';
  display: inline-block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #34d399;
  animation: aiPulse 2s infinite;
}

.ai-header-actions {
  display: flex;
  align-items: center;
  gap: 6px;
}

.ai-icon-btn {
  background: rgba(255, 255, 255, 0.1);
  border: none;
  color: #cbd5e1;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, transform 0.2s ease;
}

.ai-icon-btn:hover {
  background: rgba(255, 255, 255, 0.22);
  color: #ffffff;
  transform: scale(1.08);
}

/* Messages area */
.ai-chat-messages {
  flex: 1;
  overflow-y: auto;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  background: #f8fafc;
  scroll-behavior: smooth;
}

.ai-msg {
  display: flex;
  gap: 10px;
  max-width: 88%;
  font-size: 13.5px;
  line-height: 1.6;
}

.ai-msg.user {
  align-self: flex-end;
  flex-direction: row-reverse;
}

.ai-msg.bot {
  align-self: flex-start;
}

.ai-msg-bubble {
  padding: 12px 15px;
  border-radius: 14px;
  word-break: break-word;
}

.ai-msg.user .ai-msg-bubble {
  background: linear-gradient(135deg, #ff5e14 0%, #e04b08 100%);
  color: #ffffff;
  border-bottom-right-radius: 4px;
  box-shadow: 0 4px 12px rgba(255, 94, 20, 0.25);
}

.ai-msg.bot .ai-msg-bubble {
  background: #ffffff;
  color: #1e293b;
  border: 1px solid #e2e8f0;
  border-bottom-left-radius: 4px;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.04);
}

.ai-msg.bot .ai-msg-bubble p {
  margin: 0 0 8px 0;
}

.ai-msg.bot .ai-msg-bubble p:last-child {
  margin-bottom: 0;
}

.ai-msg.bot .ai-msg-bubble ul {
  padding-left: 18px;
  margin: 6px 0;
}

.ai-msg.bot .ai-msg-bubble li {
  margin-bottom: 4px;
}

.ai-msg-time {
  font-size: 10px;
  opacity: 0.7;
  margin-top: 4px;
  display: block;
  text-align: right;
}

/* Typing Indicator */
.ai-typing {
  display: none;
  align-items: center;
  gap: 5px;
  padding: 10px 14px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  border-bottom-left-radius: 4px;
  width: fit-content;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.04);
}

.ai-typing.active {
  display: flex;
}

.ai-typing-dot {
  width: 7px;
  height: 7px;
  background: var(--primary-color);
  border-radius: 50%;
  animation: typingBounce 1.4s infinite ease-in-out both;
}

.ai-typing-dot:nth-child(1) { animation-delay: -0.32s; }
.ai-typing-dot:nth-child(2) { animation-delay: -0.16s; }
.ai-typing-dot:nth-child(3) { animation-delay: 0; }

@keyframes typingBounce {
  0%, 80%, 100% { transform: scale(0); opacity: 0.4; }
  40% { transform: scale(1); opacity: 1; }
}

/* Quick prompt chips */
.ai-quick-chips {
  padding: 10px 14px;
  background: #ffffff;
  border-top: 1px solid #e2e8f0;
  display: flex;
  gap: 6px;
  overflow-x: auto;
  white-space: nowrap;
  scrollbar-width: none;
}

.ai-quick-chips::-webkit-scrollbar {
  display: none;
}

.ai-chip {
  background: #f1f5f9;
  border: 1px solid #cbd5e1;
  color: #334155;
  font-size: 11.5px;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 50px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: all 0.2s ease;
  flex-shrink: 0;
}

.ai-chip:hover {
  background: #fff4ed;
  border-color: var(--primary-color);
  color: var(--primary-color);
  transform: translateY(-1px);
}

/* Chat Input Bar */
.ai-chat-input-bar {
  padding: 12px 14px;
  background: #ffffff;
  border-top: 1px solid #e2e8f0;
  display: flex;
  align-items: center;
  gap: 8px;
}

.ai-chat-input {
  flex: 1;
  border: 1.5px solid #cbd5e1;
  border-radius: 50px;
  padding: 10px 16px;
  font-size: 13px;
  font-family: inherit;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.ai-chat-input:focus {
  border-color: var(--primary-color);
  box-shadow: 0 0 0 3px rgba(255, 94, 20, 0.15);
}

.ai-send-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, #ff5e14 0%, #e04b08 100%);
  color: #ffffff;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
  box-shadow: 0 4px 12px rgba(255, 94, 20, 0.35);
  transition: transform 0.25s var(--ease-back), background-color 0.2s ease;
  flex-shrink: 0;
}

.ai-send-btn:hover {
  transform: scale(1.08);
}

.ai-send-btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

/* AI Evaluator Box on EMI Calculator Page */
.ai-emi-evaluator-card {
  margin-top: 30px;
  background: linear-gradient(135deg, #0b132b 0%, #1e293b 100%);
  color: #ffffff;
  border-radius: 16px;
  padding: 26px 24px;
  box-shadow: 0 16px 40px rgba(11, 19, 43, 0.2);
  border: 1.5px solid rgba(255, 94, 20, 0.4);
}

.ai-eval-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
  flex-wrap: wrap;
  gap: 10px;
}

.ai-eval-title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 18px;
  font-weight: 700;
  color: #ffffff;
}

.ai-eval-title i {
  color: var(--primary-color);
  font-size: 22px;
}

.ai-eval-badge {
  background: rgba(16, 185, 129, 0.2);
  color: #34d399;
  border: 1px solid rgba(16, 185, 129, 0.4);
  font-size: 11px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.ai-eval-form {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 14px;
  margin-bottom: 18px;
}

@media (max-width: 768px) {
  .ai-eval-form {
    grid-template-columns: 1fr;
  }
  .ai-advisor-widget {
    bottom: 85px;
    right: 18px;
  }
  .ai-advisor-launcher {
    padding: 8px 14px 8px 10px;
  }
  .ai-launcher-sub {
    display: none;
  }
}

.ai-eval-input-group label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: #cbd5e1;
  margin-bottom: 6px;
}

.ai-eval-input-group input {
  width: 100%;
  background: rgba(255, 255, 255, 0.08);
  border: 1.5px solid rgba(255, 255, 255, 0.18);
  border-radius: 10px;
  padding: 10px 14px;
  color: #ffffff;
  font-size: 14px;
  outline: none;
  transition: border-color 0.2s ease, background 0.2s ease;
}

.ai-eval-input-group input:focus {
  border-color: var(--primary-color);
  background: rgba(255, 255, 255, 0.14);
}

.ai-eval-btn {
  align-self: flex-end;
  background: linear-gradient(135deg, #ff5e14 0%, #ff782e 100%);
  color: #ffffff;
  border: none;
  font-weight: 700;
  font-size: 14px;
  padding: 12px 22px;
  border-radius: 10px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  box-shadow: 0 8px 20px rgba(255, 94, 20, 0.35);
  transition: transform 0.25s var(--ease-back), box-shadow 0.25s ease;
  white-space: nowrap;
}

.ai-eval-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 26px rgba(255, 94, 20, 0.45);
}

.ai-eval-result-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 12px;
  padding: 18px 20px;
  display: none;
  font-size: 13.5px;
  line-height: 1.7;
  color: #e2e8f0;
}

.ai-eval-result-box.active {
  display: block;
  animation: fadeIn 0.35s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}