/*
Theme Name: CibilBazaar
Theme URI: https://cibilbazaar.com
Author: CibilBazaar
Author URI: https://cibilbazaar.com
Description: Professional personal loan & CIBIL services website theme for CibilBazaar.
Version: 1.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: cibilbazaar
Tags: business, finance, loan, one-page, responsive
*/

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

:root {
  --blue: #2563eb;
  --blue-dark: #1d4ed8;
  --blue-light: #3b82f6;
  --blue-pale: #eff6ff;
  --blue-pale2: #dbeafe;
  --green: #22c55e;
  --green-dark: #16a34a;
  --text: #0f172a;
  --text2: #334155;
  --muted: #64748b;
  --border: #e2e8f0;
  --white: #ffffff;
  --off: #f8fafc;
  --red: #ef4444;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--text); background: var(--white); }

/* ── NAVBAR ── */
nav {
  position: fixed; top: 0; width: 100%; z-index: 9999;
  background: #ffffff;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,0.06);
}
.nav-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 24px; height: 70px;
}
.nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.nav-logo-img { height: 44px; width: 44px; object-fit: contain; border-radius: 10px; }
.logo-fallback {
  width: 44px; height: 44px; border-radius: 10px;
  background: linear-gradient(145deg, #1e40af, #2563eb);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  color: white; font-weight: 900; font-size: 1rem; line-height: 1;
}
.logo-fallback .sub { font-size: 0.48rem; font-weight: 600; letter-spacing: 0.3px; opacity: 0.85; margin-top: 2px; }
.logo-text { font-size: 1.25rem; font-weight: 700; color: var(--text); }
.nav-links { display: flex; align-items: center; gap: 36px; list-style: none; }
.nav-links a { color: var(--text2); text-decoration: none; font-size: 0.95rem; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover { color: var(--blue); }
.nav-cta { background: var(--blue) !important; color: white !important; padding: 10px 26px !important; border-radius: 8px !important; font-weight: 600 !important; transition: background 0.2s !important; }
.nav-cta:hover { background: var(--blue-dark) !important; }

/* ── HERO ── */
.hero {
  min-height: 100vh;
  background: linear-gradient(160deg, #eef4ff 0%, #e8f0fe 35%, #f5f8ff 65%, #ffffff 100%);
  display: flex; align-items: center; padding-top: 70px;
}
.hero-inner { max-width: 860px; margin: 0 auto; padding: 90px 24px 70px; text-align: center; }
.hero-logo-wrap { margin: 0 auto 44px; display: flex; justify-content: center; }
.hero-logo-wrap img { max-height: 110px; max-width: 280px; object-fit: contain; border-radius: 16px; }
.hero h1 { font-size: clamp(2rem, 4.5vw, 3.4rem); font-weight: 800; color: var(--text); line-height: 1.2; }
.hero h1 .blue { color: var(--blue); }
.hero-tc { color: var(--muted); font-size: 0.9rem; margin: 14px 0 40px; }
.hero-btns { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* ── BUTTONS ── */
.btn-blue { background: var(--blue); color: white; padding: 14px 36px; border-radius: 50px; font-weight: 600; font-size: 1rem; text-decoration: none; border: none; cursor: pointer; transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px; }
.btn-blue:hover { background: var(--blue-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(37,99,235,0.3); color: white; }
.btn-green { background: var(--green); color: white; padding: 14px 36px; border-radius: 50px; font-weight: 600; font-size: 1rem; text-decoration: none; border: none; cursor: pointer; transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px; }
.btn-green:hover { background: var(--green-dark); transform: translateY(-2px); color: white; }
.btn-white { background: white; color: var(--blue); padding: 13px 32px; border-radius: 8px; font-weight: 700; font-size: 0.95rem; text-decoration: none; transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px; }
.btn-white:hover { background: #f0f9ff; transform: translateY(-1px); color: var(--blue); }
.btn-ghost { background: transparent; color: white; padding: 13px 32px; border-radius: 8px; font-weight: 600; font-size: 0.95rem; text-decoration: none; border: 1.5px solid rgba(255,255,255,0.4); transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px; }
.btn-ghost:hover { border-color: white; background: rgba(255,255,255,0.1); color: white; }

/* ── STATS BAR ── */
.stats-bar { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 28px 24px; }
.stats-inner { max-width: 960px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; text-align: center; }
.stat-num { font-size: 1.9rem; font-weight: 800; color: var(--blue); line-height: 1; }
.stat-label { font-size: 0.82rem; color: var(--muted); margin-top: 5px; font-weight: 500; }

/* ── SECTION BASE ── */
section { padding: 80px 24px; }
.container { max-width: 1200px; margin: 0 auto; }
.badge { display: inline-block; background: var(--blue-pale); color: var(--blue); padding: 5px 14px; border-radius: 100px; font-size: 0.77rem; font-weight: 600; letter-spacing: 0.5px; margin-bottom: 14px; text-transform: uppercase; }
.sec-title { font-size: clamp(1.7rem, 2.8vw, 2.4rem); font-weight: 800; color: var(--text); line-height: 1.2; margin-bottom: 14px; }
.sec-title .blue { color: var(--blue); }
.sec-sub { color: var(--muted); font-size: 1rem; line-height: 1.7; max-width: 560px; }
.tc { text-align: center; }
.tc .sec-sub { margin: 0 auto; }

/* ── FORM ── */
.form-section { background: var(--off); }
.form-wrap { max-width: 840px; margin: 0 auto; background: var(--white); border-radius: 20px; box-shadow: 0 4px 40px rgba(0,0,0,0.08); overflow: hidden; }
.form-head { background: linear-gradient(135deg, var(--blue), #1d4ed8); padding: 32px 40px; text-align: center; color: white; }
.form-head h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 6px; }
.form-head p { opacity: 0.82; font-size: 0.93rem; }
.form-body { padding: 36px 40px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 0.87rem; font-weight: 600; color: var(--text2); display: flex; align-items: center; gap: 4px; }
.field label .r { color: var(--red); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-size: 0.93rem; font-family: 'Inter', sans-serif; color: var(--text);
  outline: none; transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none; -webkit-appearance: none; background: var(--white);
}
.field input::placeholder { color: #94a3b8; }
.field input:focus, .field select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,99,235,0.1); }
.field select { cursor: pointer; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394a3b8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.form-btns { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 26px; }
.form-btns .btn-blue, .form-btns .btn-green { justify-content: center; border-radius: 10px; font-size: 0.95rem; }
.form-note { text-align: center; color: var(--muted); font-size: 0.8rem; margin-top: 14px; }
.success-msg { display: none; background: #f0fdf4; border: 1.5px solid #86efac; border-radius: 12px; padding: 20px; text-align: center; color: #15803d; font-weight: 600; margin-top: 20px; font-size: 1rem; }

/* ── LOANS ── */
.loans-bg { background: var(--off); }
.loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
.loan-card { background: var(--white); border: 1.5px solid var(--border); border-radius: 16px; padding: 28px 24px; transition: all 0.25s; cursor: pointer; }
.loan-card:hover { border-color: var(--blue-light); transform: translateY(-4px); box-shadow: 0 12px 36px rgba(37,99,235,0.1); }
.loan-icon { width: 50px; height: 50px; border-radius: 12px; background: var(--blue-pale); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin-bottom: 16px; }
.loan-card h3 { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.loan-card p { color: var(--muted); font-size: 0.86rem; line-height: 1.6; margin-bottom: 14px; }
.loan-badge { display: inline-flex; align-items: center; gap: 5px; background: var(--blue-pale); color: var(--blue); padding: 4px 12px; border-radius: 100px; font-size: 0.77rem; font-weight: 600; }

/* ── WHY CHOOSE US ── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.why-features { display: flex; flex-direction: column; gap: 16px; margin-top: 28px; }
.why-feat { display: flex; gap: 14px; align-items: flex-start; padding: 16px; border-radius: 12px; border: 1.5px solid var(--border); transition: all 0.2s; }
.why-feat:hover { border-color: var(--blue-light); background: var(--blue-pale); }
.feat-ic { width: 40px; height: 40px; min-width: 40px; background: var(--blue-pale2); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1rem; }
.why-feat h5 { font-size: 0.93rem; font-weight: 700; color: var(--text); margin-bottom: 3px; }
.why-feat p { color: var(--muted); font-size: 0.84rem; line-height: 1.5; }
.why-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.ws { background: var(--white); border: 1.5px solid var(--border); border-radius: 14px; padding: 22px 18px; text-align: center; transition: all 0.2s; }
.ws:hover { border-color: var(--blue); box-shadow: 0 4px 20px rgba(37,99,235,0.1); }
.ws .wn { font-size: 1.9rem; font-weight: 800; color: var(--blue); line-height: 1; margin-bottom: 5px; }
.ws .wl { font-size: 0.8rem; color: var(--muted); font-weight: 500; }

/* ── BANKS ── */
.banks-bg { background: var(--off); }
.banks-flex { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 44px; }
.bank-chip { background: var(--white); border: 1.5px solid var(--border); border-radius: 8px; padding: 10px 20px; font-size: 0.87rem; font-weight: 600; color: var(--text2); display: flex; align-items: center; gap: 6px; transition: all 0.2s; }
.bank-chip:hover { border-color: var(--blue); color: var(--blue); background: var(--blue-pale); }
.dot { width: 7px; height: 7px; border-radius: 50%; background: var(--green); flex-shrink: 0; }

/* ── TESTIMONIALS ── */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
.testi-card { background: var(--white); border: 1.5px solid var(--border); border-radius: 16px; padding: 28px; transition: all 0.25s; }
.testi-card:hover { box-shadow: 0 8px 28px rgba(0,0,0,0.08); transform: translateY(-3px); }
.stars { color: #f59e0b; margin-bottom: 14px; font-size: 1rem; letter-spacing: 1px; }
.testi-card p { color: var(--text2); font-size: 0.88rem; line-height: 1.7; margin-bottom: 20px; }
.rev { display: flex; align-items: center; gap: 12px; }
.rev-av { width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 0.9rem; flex-shrink: 0; }
.rev-name { font-weight: 700; font-size: 0.9rem; color: var(--text); }
.rev-city { color: var(--muted); font-size: 0.77rem; margin-top: 2px; }
.rev-tag { display: inline-block; background: var(--blue-pale); color: var(--blue); padding: 2px 10px; border-radius: 100px; font-size: 0.72rem; font-weight: 600; margin-top: 4px; }

/* ── FAQ ── */
.faq-wrap { max-width: 720px; margin: 48px auto 0; }
.faq-item { border: 1.5px solid var(--border); border-radius: 12px; margin-bottom: 10px; overflow: hidden; }
.faq-q { padding: 17px 22px; font-weight: 600; color: var(--text); cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-size: 0.93rem; transition: background 0.2s; }
.faq-q:hover { background: var(--blue-pale); }
.faq-q .arr { color: var(--blue); font-size: 0.8rem; transition: transform 0.3s; flex-shrink: 0; margin-left: 12px; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s; color: var(--muted); font-size: 0.88rem; line-height: 1.7; padding: 0 22px; background: var(--off); }
.faq-item.open .faq-a { max-height: 200px; padding: 0 22px 18px; }
.faq-item.open .arr { transform: rotate(180deg); }

/* ── CONTACT ── */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; margin-top: 52px; }
.ci { display: flex; gap: 14px; align-items: flex-start; padding: 18px; background: var(--off); border-radius: 12px; border: 1.5px solid var(--border); margin-bottom: 14px; }
.ci-icon { width: 42px; height: 42px; min-width: 42px; border-radius: 10px; background: var(--blue); color: white; display: flex; align-items: center; justify-content: center; font-size: 1rem; }
.ci-label { font-size: 0.77rem; color: var(--muted); font-weight: 500; margin-bottom: 3px; text-transform: uppercase; letter-spacing: 0.3px; }
.ci-val { font-size: 0.95rem; font-weight: 600; color: var(--text); }
.ci-val a { color: var(--blue); text-decoration: none; }
.ci-val a:hover { text-decoration: underline; }
.map-placeholder { border-radius: 16px; overflow: hidden; border: 1.5px solid var(--border); height: 220px; background: linear-gradient(135deg, #eff6ff, #dbeafe); display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 10px; margin-bottom: 16px; }
.map-placeholder .mp-ic { font-size: 2.5rem; }
.map-placeholder p { font-size: 0.88rem; font-weight: 600; color: var(--muted); text-align: center; padding: 0 16px; }

/* ── CTA ── */
.cta-section { background: linear-gradient(135deg, var(--blue), #1d4ed8); text-align: center; color: white; padding: 80px 24px; }
.cta-section h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); font-weight: 800; margin-bottom: 14px; }
.cta-section p { opacity: 0.85; max-width: 480px; margin: 0 auto 34px; font-size: 1rem; }
.cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ── FOOTER ── */
footer { background: #0f172a; color: rgba(255,255,255,0.58); padding: 56px 24px 28px; }
.footer-inner { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; }
.f-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.f-logo img { height: 36px; width: auto; object-fit: contain; }
.f-logo-fallback { width: 36px; height: 36px; border-radius: 8px; background: linear-gradient(145deg,#1e40af,#2563eb); display:flex; flex-direction:column; align-items:center; justify-content:center; color:white; font-weight:900; font-size:0.8rem; line-height:1; }
.f-logo span { color: white; font-weight: 700; font-size: 1.1rem; }
.footer-brand p { font-size: 0.84rem; line-height: 1.7; max-width: 250px; }
.footer-brand .f-contact { margin-top: 16px; font-size: 0.82rem; display: flex; flex-direction: column; gap: 6px; }
.footer-brand .f-contact a { color: rgba(255,255,255,0.55); text-decoration: none; }
.footer-col h5 { color: white; font-weight: 700; font-size: 0.88rem; margin-bottom: 16px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.footer-col a { color: rgba(255,255,255,0.52); text-decoration: none; font-size: 0.84rem; transition: color 0.2s; }
.footer-col a:hover { color: #60a5fa; }
.footer-bottom { max-width: 1200px; margin: 36px auto 0; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: 0.79rem; }
.footer-bottom a { color: rgba(255,255,255,0.42); text-decoration: none; }
.footer-bottom a:hover { color: #60a5fa; }
.footer-disclaimer { color: rgba(255,255,255,0.26); }

/* ── WHATSAPP FLOAT ── */
.wa-float { position: fixed; bottom: 28px; right: 28px; z-index: 999; width: 54px; height: 54px; border-radius: 50%; background: #25d366; color: white; font-size: 1.5rem; display: flex; align-items: center; justify-content: center; text-decoration: none; box-shadow: 0 4px 20px rgba(37,211,102,0.4); transition: all 0.2s; }
.wa-float:hover { transform: scale(1.1); color: white; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .testi-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .form-grid { grid-template-columns: 1fr; }
  .form-btns { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .form-body { padding: 24px 20px; }
  .form-head { padding: 24px 20px; }
}
@media (max-width: 480px) {
  .why-stats { grid-template-columns: 1fr 1fr; }
  .hero-btns { flex-direction: column; align-items: center; }
  .hero-btns a { width: 100%; max-width: 300px; justify-content: center; }
  .cta-btns { flex-direction: column; align-items: center; }
}

/* ── LOGO UPLOAD HINT (shown when no logo is set) ── */
.hero-logo-wrap {
  margin: 0 auto 44px;
  display: flex;
  justify-content: center;
  min-height: 110px;
  align-items: center;
}
.hero-logo-wrap img { max-height: 110px; max-width: 280px; object-fit: contain; border-radius: 16px; }
.logo-upload-hint {
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  padding: 24px 40px;
  border: 2.5px dashed var(--blue-light); border-radius: 16px;
  background: var(--blue-pale); text-decoration: none;
  transition: all 0.2s; cursor: pointer;
}
.logo-upload-hint:hover { background: var(--blue-pale2); border-color: var(--blue); }
.logo-upload-hint .lu-icon { font-size: 2rem; }
.logo-upload-hint .lu-text { font-size: 0.95rem; font-weight: 700; color: var(--blue); }
.logo-upload-hint .lu-sub { font-size: 0.75rem; color: var(--muted); text-align: center; }

/* ── LOAN CARD CLICK APPLY BUTTON ── */
.loan-apply-btn {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 14px; padding: 8px 18px;
  background: var(--blue); color: white;
  border-radius: 50px; font-size: 0.82rem; font-weight: 600;
  transition: all 0.2s; cursor: pointer;
}
.loan-card:hover .loan-apply-btn { background: var(--blue-dark); transform: translateX(3px); }

/* ── HERO LOGO ── */
.hero-logo-wrap {
  margin: 0 auto 36px;
  display: flex;
  justify-content: center;
}
.hero-logo-img {
  width: 130px;
  height: 130px;
  object-fit: contain;
  border-radius: 24px;
  box-shadow: 0 16px 48px rgba(37,99,235,0.25);
}

/* ── NAV LOGO ── */
.nav-logo-img {
  height: 44px;
  width: 44px;
  object-fit: contain;
  border-radius: 10px;
}

/* ── ZERO FEE BADGE on Personal Loan ── */
.featured-card {
  border-color: var(--blue) !important;
  position: relative;
  overflow: visible !important;
}
.zero-fee-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(135deg, #16a34a, #22c55e);
  color: white;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 5px 16px;
  border-radius: 100px;
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(34,197,94,0.35);
  letter-spacing: 0.2px;
}

/* ── SOCIAL MEDIA BUTTONS ── */
.social-links {
  display: flex;
  gap: 10px;
  margin-top: 12px;
}
.social-btn {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  transition: all 0.2s;
}
.social-btn:hover {
  background: var(--blue);
  border-color: var(--blue);
  color: white;
  transform: translateY(-2px);
}



/* ═══════════════════════════════════════════
   ANIMATIONS
═══════════════════════════════════════════ */

/* Keyframes */
@keyframes fadeDown {
  from { opacity:0; transform:translateY(-30px); }
  to   { opacity:1; transform:translateY(0); }
}
@keyframes fadeUp {
  from { opacity:0; transform:translateY(40px); }
  to   { opacity:1; transform:translateY(0); }
}
@keyframes fadeIn {
  from { opacity:0; }
  to   { opacity:1; }
}
@keyframes pulse {
  0%,100% { box-shadow:0 0 0 0 rgba(37,99,235,0.4); }
  50%     { box-shadow:0 0 0 12px rgba(37,99,235,0); }
}
@keyframes float {
  0%,100% { transform:translateY(0); }
  50%     { transform:translateY(-8px); }
}
@keyframes shimmer {
  0%   { background-position: -400px 0; }
  100% { background-position: 400px 0; }
}
@keyframes slideInLeft {
  from { opacity:0; transform:translateX(-40px); }
  to   { opacity:1; transform:translateX(0); }
}
@keyframes badgePop {
  0%   { transform:translateX(-50%) scale(0.6); opacity:0; }
  70%  { transform:translateX(-50%) scale(1.05); }
  100% { transform:translateX(-50%) scale(1); opacity:1; }
}

/* Hero Animations */
.animate-fade-down { animation: fadeDown 0.7s ease both; }
.animate-fade-up   { animation: fadeUp  0.7s ease both; opacity:0; animation-fill-mode:forwards; }

/* Hero logo float */
.hero-logo-img { animation: float 4s ease-in-out infinite; }

/* Scroll Reveal */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Apply Now pulse on hero */
.hero-btns .btn-blue { animation: pulse 2.5s infinite; }

/* Loan card animations */
.loan-card {
  transition: all 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
.loan-card:hover {
  transform: translateY(-8px) scale(1.02) !important;
  box-shadow: 0 20px 48px rgba(37,99,235,0.15) !important;
}
.loan-card:active { transform: scale(0.98) !important; }

/* Badge pop animation */
.zero-fee-badge { animation: badgePop 0.5s ease 0.3s both; }

/* Why feat slide in */
.why-feat {
  transition: all 0.3s ease;
}
.why-feat:hover {
  transform: translateX(6px);
}

/* Stats counter flash */
.stat-num { transition: color 0.3s; }

/* Stat items hover */
.ws {
  transition: all 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
.ws:hover { transform: scale(1.05); }

/* Bank chip animate */
.bank-chip { transition: all 0.25s cubic-bezier(0.34,1.56,0.64,1); }
.bank-chip:hover { transform: translateY(-3px) scale(1.04); }

/* FAQ item */
.faq-item { transition: box-shadow 0.2s, border-color 0.2s; }
.faq-item.open { border-color: var(--blue); box-shadow: 0 4px 20px rgba(37,99,235,0.1); }

/* Testi card */
.testi-card { transition: all 0.35s cubic-bezier(0.34,1.56,0.64,1); }
.testi-card:hover { transform: translateY(-6px) scale(1.01); }

/* Contact item hover */
.ci { transition: all 0.2s; }
.ci:hover { transform: translateX(4px); border-color: var(--blue-light); }

/* Form field focus effect */
.field input:focus, .field select:focus, .field textarea:focus {
  transform: scale(1.01);
}

/* Submit button ripple */
#submitBtn { position: relative; overflow: hidden; }
#submitBtn::after {
  content:''; position:absolute; inset:0;
  background:rgba(255,255,255,0.2); border-radius:inherit;
  transform:scaleX(0); transform-origin:left;
  transition:transform 0.3s;
}
#submitBtn:hover::after { transform:scaleX(1); }

/* Nav link underline animation */
.nav-links a { position:relative; }
.nav-links a:not(.nav-cta)::after {
  content:''; position:absolute; bottom:-2px; left:0;
  width:0; height:2px; background:var(--blue);
  transition:width 0.25s;
}
.nav-links a:not(.nav-cta):hover::after { width:100%; }

/* Loan limit tag */
.loan-meta { display:flex; align-items:center; gap:8px; flex-wrap:wrap; margin-bottom:4px; }
.loan-limit {
  display:inline-flex; align-items:center;
  background:#fef3c7; color:#92400e;
  padding:4px 12px; border-radius:100px;
  font-size:0.77rem; font-weight:700;
  border:1px solid #fde68a;
}

/* Smooth nav on scroll */
nav { transition: box-shadow 0.3s; }
nav.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,0.1); }

/* Page load fade */
body { animation: fadeIn 0.4s ease; }

/* ═══════════════════════════════════════════
   LEGAL PAGES
═══════════════════════════════════════════ */
.legal-page { padding-top: 90px; min-height: 80vh; background: var(--white); }
.legal-container { max-width: 860px; margin: 0 auto; padding: 60px 24px 80px; }
.legal-header { text-align: center; margin-bottom: 52px; padding-bottom: 32px; border-bottom: 2px solid var(--blue-pale2); }
.legal-header h1 { font-size: 2.4rem; font-weight: 800; color: var(--text); margin: 12px 0 8px; }
.legal-date { color: var(--muted); font-size: 0.9rem; }
.legal-content { display: flex; flex-direction: column; gap: 0; }
.legal-section { padding: 28px 0; border-bottom: 1px solid var(--border); }
.legal-section:last-child { border-bottom: none; }
.legal-section h2 { font-size: 1.2rem; font-weight: 700; color: var(--blue); margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.legal-section h2::before { content:''; display:inline-block; width:4px; height:20px; background:var(--blue); border-radius:2px; }
.legal-section p { color: var(--text2); line-height: 1.8; margin-bottom: 12px; font-size: 0.97rem; }
.legal-section ul, .legal-section ol { padding-left: 24px; display: flex; flex-direction: column; gap: 8px; }
.legal-section li { color: var(--text2); line-height: 1.7; font-size: 0.95rem; }
.legal-section a { color: var(--blue); text-decoration: none; }
.legal-section a:hover { text-decoration: underline; }
.legal-contact { background: var(--blue-pale); border: 1.5px solid var(--blue-pale2); border-radius: 12px; padding: 20px 24px; margin-top: 12px; display: flex; flex-direction: column; gap: 8px; }
.legal-contact p { margin: 0; font-size: 0.93rem; color: var(--text2); }
.legal-table { width: 100%; border-collapse: collapse; margin-top: 12px; border-radius: 10px; overflow: hidden; }
.legal-table th { background: var(--blue); color: white; padding: 12px 16px; text-align: left; font-size: 0.88rem; }
.legal-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); font-size: 0.88rem; color: var(--text2); }
.legal-table tr:last-child td { border-bottom: none; }
.legal-table tr:nth-child(even) td { background: var(--off); }

/* ═══════════════════════════════════════════
   BUTTON TEXT COLOR FIXES
═══════════════════════════════════════════ */
.btn-blue, .btn-blue:visited, .btn-blue:hover, .btn-blue:focus { color: white !important; }
.btn-green, .btn-green:visited, .btn-green:hover, .btn-green:focus { color: white !important; }
.btn-hero { font-size: 1.05rem !important; padding: 15px 40px !important; }



/* ── LOGO — Clean transparent PNG, no bg needed ── */
.nav-logo-img {
  height: 46px;
  width: 46px;
  object-fit: contain;
  border-radius: 0;
  background: transparent;
  padding: 0;
  box-shadow: none;
}
.hero-logo-img {
  width: 140px;
  height: 140px;
  object-fit: contain;
  border-radius: 0;
  background: transparent;
  padding: 0;
  box-shadow: none;
  animation: float 4s ease-in-out infinite;
}

/* ── NAV ACTIVE/HOVER LINKS always visible ── */
.nav-links a { color: #334155 !important; }
.nav-links a:hover { color: #2563eb !important; }
.nav-cta { background: #2563eb !important; color: #ffffff !important; }
.nav-cta:hover { background: #1d4ed8 !important; color: #ffffff !important; }
.logo-text { color: #0f172a !important; font-weight: 700 !important; }

/* ── LOGO FINAL — white bg image, displayed with border-radius ── */
.nav-logo-img {
  height: 46px !important;
  width: 46px !important;
  object-fit: cover !important;
  border-radius: 10px !important;
  background: white !important;
  padding: 0 !important;
  box-shadow: none !important;
}
.hero-logo-img {
  width: 140px !important;
  height: 140px !important;
  object-fit: cover !important;
  border-radius: 28px !important;
  background: white !important;
  padding: 0 !important;
  box-shadow: 0 8px 32px rgba(37,99,235,0.15) !important;
}

/* ── NAV LINKS — lighter color ── */
.nav-links a { color: #64748b !important; }
.nav-links a:hover { color: #2563eb !important; }

/* ── APPLY NOW — white text always ── */
.nav-cta,
.nav-cta:link,
.nav-cta:visited,
.nav-cta:hover,
.nav-cta:focus,
.nav-cta:active { color: #ffffff !important; }

/* ── LOGO — transparent, no background ── */
.nav-logo-img {
  height: 46px !important;
  width: 46px !important;
  object-fit: contain !important;
  border-radius: 0 !important;
  background: transparent !important;
  box-shadow: none !important;
  padding: 0 !important;
}
.hero-logo-img {
  width: 140px !important;
  height: 140px !important;
  object-fit: contain !important;
  border-radius: 0 !important;
  background: transparent !important;
  box-shadow: none !important;
  padding: 0 !important;
}

/* ── Stat note (e.g. "Personal Loan only") ── */
.stat-note {
  display: block;
  font-size: 0.7rem;
  color: #2563eb;
  font-weight: 600;
  margin-top: 3px;
  letter-spacing: 0.2px;
}


/* ====================================================
   LOGO — FINAL DEFINITIVE (white bg already in PNG)
   ==================================================== */
.nav-logo-img {
  height: 46px !important;
  width: 46px !important;
  object-fit: contain !important;
  border-radius: 10px !important;
  background: #ffffff !important;
  display: block !important;
}
.hero-logo-img {
  width: 140px !important;
  height: 140px !important;
  object-fit: contain !important;
  border-radius: 24px !important;
  background: #ffffff !important;
  display: block !important;
  margin: 0 auto !important;
}

/* ── WHY SECTION DISCLAIMER BOX ── */
.why-disclaimer {
  grid-column: 1 / -1;
  margin-top: 4px;
}
.why-disclaimer-inner {
  background: #f0f6ff;
  border: 1.5px solid #bfdbfe;
  border-left: 4px solid #2563eb;
  border-radius: 12px;
  padding: 20px 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.wd-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.88rem;
  color: #334155;
  line-height: 1.65;
}
.wd-icon {
  font-size: 1.1rem;
  margin-top: 1px;
  flex-shrink: 0;
}
.wd-row strong {
  color: #1e40af;
  font-weight: 700;
}
.wd-highlight {
  color: #1d4ed8;
  font-weight: 700;
  background: #dbeafe;
  padding: 1px 6px;
  border-radius: 4px;
  font-size: 0.85rem;
}
.wd-divider {
  height: 1px;
  background: #bfdbfe;
  margin: 0 -2px;
}
.wd-tc {
  font-size: 0.75rem;
  color: #64748b;
  font-style: italic;
  margin-top: 2px;
}

/* ── Short disclaimer line ── */
.wd-short {
  font-size: 0.85rem;
  color: #334155;
  line-height: 1.6;
  margin: 0;
}
.wd-short strong { color: #1e40af; }