/* ============================================================
   HOME LOAN BAZAAR — shared design system
   Palette: cream bg, navy ink, gold accent (from approved home page)
   ============================================================ */
:root{
  --bg:#fffaf2;
  --surface:#ffffff;
  --surface-2:#fffdf8;
  --text:#232734;
  --muted:#596170;
  --navy:var(--gold-deep);
  --navy-2:var(--gold);
  --navy-deep:#b9780f;
  --gold:#eba82d;
  --gold-deep:#d9951f;
  --hero-gold:linear-gradient(135deg,#f7941d,#e06d0e);
  --green:#4f7638;
  --green-bg:#eef7e8;
  --border:#efe6d8;
  --shadow:0 18px 50px rgba(25,47,89,.08);
  --shadow-lg:0 24px 60px rgba(25,47,89,.14);
  --radius:24px;
  --ease:cubic-bezier(.22,.9,.32,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'DM Sans',sans-serif;
  color:var(--text);
  background:radial-gradient(circle at top left, #fff1d8 0%, #fff9f1 20%, #fffdf8 42%, #fffaf2 100%);
  -webkit-font-smoothing:antialiased;
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
ul{margin:0;padding:0}
.container{width:min(1280px,calc(100% - 48px));margin:0 auto}

/* ---------- reveal-on-load ---------- */
.page-reveal{animation:fadeUp .6s var(--ease) both}
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}

/* ---------- scroll reveal ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.is-visible{opacity:1;transform:translateY(0)}
.reveal-stagger > *{opacity:0;transform:translateY(22px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal-stagger.is-visible > *{opacity:1;transform:translateY(0)}
.reveal-stagger.is-visible > *:nth-child(1){transition-delay:.05s}
.reveal-stagger.is-visible > *:nth-child(2){transition-delay:.14s}
.reveal-stagger.is-visible > *:nth-child(3){transition-delay:.23s}
.reveal-stagger.is-visible > *:nth-child(4){transition-delay:.32s}
.reveal-stagger.is-visible > *:nth-child(5){transition-delay:.41s}
.reveal-stagger.is-visible > *:nth-child(6){transition-delay:.5s}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:.001ms !important;transition-duration:.001ms !important}
}

/* ================= HEADER ================= */
header{
  position:sticky;top:0;z-index:100;
  background:#ffffff;
  box-shadow:0 4px 18px rgba(15,35,70,.06);
  border-bottom:1px solid #efe8dd;
}
.topbar{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:9px 0}
.brand{display:flex;align-items:center;gap:10px;flex-shrink:0}
.site-logo-img{
  height:44px; width:auto; max-width:240px;
  object-fit:contain;
  display:block;
  transition:transform .25s var(--ease);
}
.brand:hover .site-logo-img{transform:scale(1.02)}

nav{display:flex;align-items:center;gap:24px;color:#1e293b;font-size:14.5px}
nav a{position:relative;font-weight:600;padding-bottom:4px;color:#1e293b;transition:color .2s}
nav a::after{content:'';position:absolute;left:0;bottom:-4px;width:0;height:2px;background:#e06d0e;border-radius:999px;transition:width .3s var(--ease)}
nav a:hover{color:#e06d0e}
nav a:hover::after{width:100%}
nav a.active{color:#e06d0e;font-weight:700}
nav a.active::after{width:100%;height:3px;bottom:-15px;background:#e06d0e}

.nav-right{display:flex;align-items:center;gap:18px}
.phone{font-weight:800;color:#0f2347;font-size:13.5px}
.phone small{display:block;color:#64748b;font-weight:600;font-size:10.5px;margin-top:1px}

.login-top{
    background:#ffffff;
    color:#0f2347;
    border: 1px solid #0f2347;
    padding:9px 16px;border-radius:8px;font-weight:700;font-size:13.5px;
    transition:transform .25s var(--ease),background .25s var(--ease);
    display:inline-block;
}
.login-top:hover{transform:translateY(-1px);background:#f1f5f9;}
.apply-top{
  background:linear-gradient(135deg,#f7941d,#e06d0e);
  color:#fff;padding:10px 18px;border-radius:8px;font-weight:700;font-size:13.5px;
  box-shadow:0 6px 14px rgba(224,109,14,.22);
  transition:transform .25s var(--ease),box-shadow .25s var(--ease);
  display:inline-block;
}
.apply-top:hover{transform:translateY(-1px);background:linear-gradient(135deg,#ff9d2b,#eb7412);box-shadow:0 10px 20px rgba(224,109,14,.3)}

.menu-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px}
.menu-toggle span{width:22px;height:2.5px;background:#0f2347;border-radius:2px;transition:transform .3s var(--ease),opacity .3s var(--ease)}
.mobile-nav{display:none;flex-direction:column;gap:2px;padding:10px 0 16px;border-top:1px solid #efe8dd;background:#ffffff}
.mobile-nav a{padding:11px 20px;font-weight:600;color:#1e293b;font-size:14px}
.mobile-nav a.active{color:#e06d0e;font-weight:700}
.mobile-nav .login-top{margin:8px 20px 0;text-align:center;color:#0f2347}
.mobile-nav .apply-top{margin:8px 20px 0;text-align:center;color:#fff}

@media (max-width:1100px){
  nav{display:none}
  .menu-toggle{display:flex}
  header.nav-open .mobile-nav{display:flex}
}
@media (max-width:760px){
  .container{width:min(100% - 24px,1280px)}
  .topbar{padding:8px 0}
  .site-logo-img{height:30px;max-width:175px}
  .nav-right{gap:10px}
  .phone{display:none}
  .apply-top{padding:8px 14px;font-size:12.5px}
}

/* ================= BUTTONS ================= */
.btn{padding:17px 32px;border-radius:12px;font-weight:700;font-size:16px;display:inline-flex;align-items:center;justify-content:center;gap:8px;cursor:pointer;border:none;transition:transform .25s var(--ease),box-shadow .25s var(--ease);}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 16px 26px rgba(217,149,31,.18)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 20px 32px rgba(217,149,31,.26)}
.btn-secondary{border:2px solid var(--gold-deep);color:var(--gold-deep);background:#fff}
.btn-secondary:hover{transform:translateY(-3px);background:#f4f7ff}
.btn-gold{background:var(--hero-gold);color:#fff;box-shadow:0 14px 24px rgba(224,109,14,.28)}
.btn-gold:hover{transform:translateY(-3px)}

/* ================= HERO (generic inner-page) ================= */
.page-hero{
  position:relative;overflow:hidden;
  background:var(--hero-gold);
  color:#fff;border-radius:0 0 60px 60px;padding:78px 0 68px;
  box-shadow:var(--shadow-lg);
}
.page-hero::before{content:'';position:absolute;left:-8%;top:-30%;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(239,181,67,.28),transparent 70%)}
.page-hero::after{content:'';position:absolute;right:-6%;bottom:-40%;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(239,181,67,.18),transparent 70%)}
.page-hero .container{position:relative;z-index:1}
.page-hero .eyebrow{display:inline-block;padding:9px 18px;background:rgba(255,255,255,.14);color:#f4cc7c;border-radius:999px;font-weight:700;font-size:14px;letter-spacing:.4px;margin-bottom:20px}
.page-hero h1{font-family:'Playfair Display',serif;font-size:50px;line-height:1.15;margin:0 0 18px;max-width:760px}
.page-hero h1 .accent{color:#f4cc7c}
.page-hero p{font-size:18px;line-height:1.75;max-width:620px;color:#dfe6f5;margin:0}
.page-hero .breadcrumb{font-size:14px;color:#c8d3ec;margin-bottom:14px}
.page-hero .breadcrumb a{color:#f4cc7c;font-weight:600}

@media (max-width:760px){
  .page-hero{padding:52px 0 44px;border-radius:0 0 32px 32px}
  .page-hero h1{font-size:34px}
  .page-hero p{font-size:16px}
}

/* ================= SECTION SHELLS ================= */
.section{padding:76px 0}
.section-tight{padding:40px 0}
.section-title{font-family:'Playfair Display',serif;font-size:44px;color:#c2560a;text-align:center;margin:0 0 10px}
.section-title-wrap{text-align:center}
.section-sub{text-align:center;color:var(--muted);font-size:17px;max-width:640px;margin:0 auto 8px}
.underline{width:70px;height:4px;background:var(--gold);border-radius:999px;margin:18px auto 40px}
.underline.left{margin:18px 0 36px}
@media (max-width:760px){ .section{padding:52px 0} .section-title{font-size:32px} }

/* ================= CARDS: generic ================= */
.card{
  background:linear-gradient(180deg,#fffdf9,#ffffff);
  border:1px solid var(--border);border-radius:22px;padding:30px;
  box-shadow:0 14px 30px rgba(30,45,79,.04);
  transition:transform .3s var(--ease),box-shadow .3s var(--ease);
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.icon-circle{width:64px;height:64px;border-radius:18px;display:grid;place-items:center;font-size:28px;margin-bottom:18px;background:#fff3da;color:var(--gold-deep)}

/* ================= HOME PAGE — hero ================= */
.hero-wrap{padding:34px 0 20px}
.hero{
  display:grid;grid-template-columns:1.05fr 1fr;gap:24px;align-items:stretch;position:relative;
  background:linear-gradient(135deg, #f5821f 0%, #f4791d 45%, #ee6c0f 100%);
  border-radius:0 0 80px 80px;overflow:hidden;min-height:660px;box-shadow:var(--shadow);
}
.hero::before{content:'';position:absolute;inset:-20% auto auto -10%;width:420px;height:420px;background:radial-gradient(circle,rgba(255,255,255,.10),transparent 68%);animation:float1 9s ease-in-out infinite}
.hero::after{content:'';position:absolute;right:-90px;bottom:-80px;width:380px;height:180px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.08),rgba(255,255,255,.02) 65%,transparent 70%)}
@keyframes float1{0%,100%{transform:translateY(0)}50%{transform:translateY(18px)}}
.hero-left{padding:56px 42px 42px 58px;position:relative;z-index:1}
.eyebrow{display:inline-block;padding:10px 18px;background:linear-gradient(135deg,#f7941d,#e06d0e);color:#fff;border-radius:999px;font-weight:700;font-size:15px;letter-spacing:.3px;box-shadow:0 8px 18px rgba(224,109,14,.28)}
/* heading was navy (blue) -> white */
.hero h2{font-family:'Playfair Display',serif;font-size:60px;line-height:1.1;margin:24px 0 18px;color:#fff;max-width:640px;font-weight:700}
.hero h2 .accent{color:#fff;text-decoration:none}
.hero .desc{font-size:19px;line-height:1.8;color:rgba(255,255,255,.92);max-width:560px;margin-bottom:32px}
.icon-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:600px;margin-bottom:30px}
.icon-card{text-align:center}
/* icon circles: white ring removed -> orange circle with white border so it still reads on orange bg */
.icon-card .icon-circle{width:70px;height:70px;border-radius:50%;margin:0 auto 12px;background:linear-gradient(135deg,#e06d0e,#c2560a);color:#fff;border:2px solid rgba(255,255,255,.55);box-shadow:0 10px 20px rgba(0,0,0,.12)}
.icon-card:nth-child(2) .icon-circle{background:linear-gradient(135deg,#e06d0e,#c2560a)}
.icon-card:nth-child(3) .icon-circle{background:linear-gradient(135deg,#e06d0e,#c2560a)}
.icon-card:nth-child(4) .icon-circle{background:linear-gradient(135deg,#e06d0e,#c2560a)}
/* label text was navy (blue) -> white */
.icon-card strong{display:block;font-size:15px;color:#fff;line-height:1.4}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap}
/* ICICI-style: both hero buttons solid white bg, dark text, no border */
.hero-actions .btn-primary{background:#fff;color:#1a1a1a;box-shadow:0 10px 22px rgba(0,0,0,.12)}
.hero-actions .btn-primary:hover{background:#f5f5f5;transform:translateY(-3px)}
.hero-actions .btn-secondary{border:none;color:#1a1a1a;background:#fff;box-shadow:0 10px 22px rgba(0,0,0,.12)}
.hero-actions .btn-secondary:hover{background:#f5f5f5;transform:translateY(-3px)}
.hero-right{position:relative;display:flex;align-items:flex-end;justify-content:center;padding:30px 34px 0 0}
.family-card{
  width:100%;height:100%;min-height:630px;border-radius:36px 0 0 36px;
  background:linear-gradient(180deg,rgba(247,148,29,.15),rgba(224,109,14,.08)),
  url('../images/hsimg.png') center/cover no-repeat;
  position:relative;overflow:hidden;display:flex;align-items:flex-end;justify-content:center;
}
.people-panel{position:absolute;inset:auto 26px 24px auto;background:linear-gradient(135deg,#f7941d,#e06d0e);width:280px;padding:26px 22px;border-radius:26px;box-shadow:0 18px 40px rgba(224,109,14,.35);animation:floatCard 5s ease-in-out infinite}
@keyframes floatCard{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.people-panel .mini{width:58px;height:58px;border-radius:16px;background:rgba(255,255,255,.22);display:grid;place-items:center;font-size:28px;color:#fff;margin-bottom:10px}
.people-panel p{margin:0;font-size:17px;line-height:1.65;color:#fff}
.people-panel p span{color:#fff;font-weight:800;text-decoration:underline}

.features-strip{margin-top:16px}
.strip-card{background:rgba(255,255,255,.9);border:1px solid #f0e6d7;border-radius:24px;box-shadow:var(--shadow);padding:26px;display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.mini-feature{padding:8px 16px;text-align:center;border-right:1px dashed #eadfcd}
.mini-feature:last-child{border-right:none}
.mini-feature .i{width:56px;height:56px;margin:0 auto 10px;border-radius:50%;background:var(--hero-gold);color:#fff;font-size:26px;display:grid;place-items:center;box-shadow:0 8px 16px rgba(224,109,14,.25)}
.mini-feature h3{margin:0 0 6px;font-size:17px;color:#c2560a}
.mini-feature p{margin:0;color:#5f6675;line-height:1.6;font-size:14px}

.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.loan-card .loan-icon{width:78px;height:78px;border-radius:50%;display:grid;place-items:center;font-size:36px;margin-bottom:18px;background:var(--hero-gold);color:#fff;box-shadow:0 10px 20px rgba(224,109,14,.25)}
.loan-card:nth-child(2) .loan-icon{background:#eef7e8;color:#4f7638}
.loan-card:nth-child(3) .loan-icon{background:#fff4da;color:#c28712}
.loan-card h3{margin:0 0 10px;color:#c2560a;font-size:25px}
.loan-card p{margin:0 0 16px;color:#5d6372;font-size:17px;line-height:1.7}
.loan-card a{font-weight:700;color:var(--gold-deep)}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;align-items:start}
.step{text-align:left;padding:10px 8px;position:relative}
.step:not(:last-child)::after{content:'⟶';position:absolute;right:-8px;top:50px;color:#d39b2e;font-size:24px}
.step .bubble{width:72px;height:72px;border-radius:50%;display:grid;place-items:center;font-size:32px;margin-bottom:12px;background:var(--hero-gold);color:#fff;box-shadow:0 10px 20px rgba(224,109,14,.25);transition:transform .3s var(--ease)}
.step:hover .bubble{transform:scale(1.08) rotate(-4deg)}
.step:nth-child(2) .bubble{background:#eef6e6;color:#4b7730}
.step:nth-child(3) .bubble{background:#fff3da;color:#c48913}
.step:nth-child(4) .bubble{background:var(--hero-gold);color:#fff}
.step small{display:block;color:#648026;font-weight:700;font-size:16px;margin-bottom:6px}
.step h4{margin:0 0 8px;color:#c2560a;font-size:24px}
.step p{margin:0;color:#5f6573;line-height:1.65;font-size:16px}

.cta-banner{margin-top:26px;background:var(--hero-gold);border:1px solid var(--border);border-radius:22px;box-shadow:var(--shadow);display:grid;grid-template-columns:240px 1fr auto;align-items:center;gap:22px;padding:16px 22px}
.cta-banner .btn-primary{background:#fff;color:#1a1a1a;box-shadow:0 10px 22px rgba(0,0,0,.12)}
.cta-banner .btn-primary:hover{background:#f5f5f5}
.cta-image{height:104px;border-radius:16px;background:url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=900&q=80') center/cover no-repeat}
.cta-text h3{margin:0 0 8px;font-family:'Playfair Display',serif;font-size:36px;color:#fff}
.cta-text p{margin:0;color:rgba(255,255,255,.9);font-size:18px}

@media (max-width:1100px){
  .hero{grid-template-columns:1fr}
  .hero-right{padding:0 20px 24px}
  .family-card{min-height:440px;border-radius:28px}
  .strip-card,.loan-grid,.steps,.footer-grid,.cta-banner{grid-template-columns:1fr 1fr}
  .cta-banner{grid-template-columns:1fr}
  .step:not(:last-child)::after{display:none}
}
@media (max-width:760px){
  .hero{border-radius:0 0 36px 36px;min-height:auto}
  .hero-left{padding:26px 18px 24px}
  .hero h2{font-size:36px}
  .hero .desc{font-size:16px;line-height:1.7}
  .icon-row,.strip-card,.loan-grid,.steps,.footer-grid{grid-template-columns:1fr}
  .loan-card h3,.step h4{font-size:22px}
  .cta-text h3{font-size:26px}
  .people-panel{position:relative;right:auto;bottom:auto;width:auto;margin:16px}
  .family-card{min-height:360px}
}

/* ================= STAT STRIP ================= */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:-46px;position:relative;z-index:2}
.stat-card{background:#fff;border-radius:20px;padding:26px 20px;text-align:center;box-shadow:var(--shadow-lg);border:1px solid var(--border)}
.stat-card strong{display:block;font-family:'Playfair Display',serif;font-size:34px;color:var(--navy)}
.stat-card span{display:block;color:var(--muted);font-size:14px;margin-top:6px}
@media (max-width:760px){.stat-strip{grid-template-columns:1fr 1fr;margin-top:22px}}

/* ================= WHO CAN APPLY / FEATURES ================= */
.bullet-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 30px}
.bullet-grid li{list-style:none;padding-left:30px;position:relative;color:var(--muted);font-size:16px;line-height:1.6}
.bullet-grid li::before{content:'✓';position:absolute;left:0;top:1px;color:#fff;background:var(--green);width:20px;height:20px;border-radius:50%;font-size:12px;display:grid;place-items:center}
.feature-pill-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;max-width:1040px;margin-left:auto;margin-right:auto}
.feature-pill{background:var(--hero-gold);color:#fff;padding:14px 16px;border-radius:12px;font-weight:600;display:flex;align-items:center;justify-content:center;gap:8px;font-size:14.5px;white-space:nowrap}
.feature-pill::before{content:'✓';background:rgba(255,255,255,.2);width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:12px;flex-shrink:0}

.offer-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.offer-card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:22px 14px;text-align:center;box-shadow:0 10px 24px rgba(30,45,79,.05);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.offer-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.offer-card .oi{font-size:30px;margin-bottom:10px}
.offer-card span{font-size:14px;font-weight:600;color:var(--gold-deep);line-height:1.4;display:block}
@media (max-width:1000px){.offer-grid{grid-template-columns:repeat(3,1fr)}.bullet-grid,.feature-pill-grid{grid-template-columns:1fr}}
@media (max-width:560px){.offer-grid{grid-template-columns:repeat(2,1fr)}}

/* ================= TABS ================= */
.tabbar{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:38px}
.tabbtn{padding:13px 24px;border-radius:999px;border:2px solid var(--border);background:#fff;font-weight:700;color:#3c4356;cursor:pointer;font-size:15px;transition:all .25s var(--ease)}
.tabbtn:hover{border-color:var(--gold)}
.tabbtn.active{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:0 12px 22px rgba(217,149,31,.2)}
.tabpanel{display:none}
.tabpanel.active{display:block;animation:fadeUp .5s var(--ease) both}

/* ================= DOC CHECKLIST ================= */
.doc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.doc-card{background:#fff;border:1px solid var(--border);border-radius:20px;padding:28px;box-shadow:0 12px 26px rgba(30,45,79,.05)}
.doc-card h3{margin:0 0 16px;color:#c2560a;font-size:21px;display:flex;align-items:center;gap:10px}
.doc-card ul li{list-style:none;padding:10px 0 10px 30px;position:relative;color:var(--muted);border-bottom:1px dashed #eee2cf;font-size:15.5px}
.doc-card ul li:last-child{border-bottom:none}
.doc-card ul li::before{content:'📄';position:absolute;left:0;top:9px;font-size:14px}
.note-box{background:#fff6e0;border:1px solid #f0dca4;border-radius:14px;padding:16px 20px;color:#6b520f;font-size:15px;line-height:1.6;margin-top:22px}
@media (max-width:800px){.doc-grid{grid-template-columns:1fr}}

/* ================= PROCESS TIMELINE (vertical) ================= */
.timeline{position:relative;padding-left:44px}
.timeline::before{content:'';position:absolute;left:19px;top:6px;bottom:6px;width:2px;background:linear-gradient(var(--gold),var(--navy))}
.tl-item{position:relative;padding-bottom:34px}
.tl-item:last-child{padding-bottom:0}
.tl-item .dot{position:absolute;left:-44px;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;box-shadow:0 8px 16px rgba(217,149,31,.25)}
.tl-item h4{margin:0 0 6px;color:var(--navy);font-size:20px}
.tl-item p{margin:0;color:var(--muted);font-size:16px;line-height:1.7;max-width:640px}

/* ================= CALCULATORS ================= */
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.calc-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:26px;box-shadow:0 12px 26px rgba(30,45,79,.05)}
.calc-card h3{margin:0 0 4px;color:#c2560a;font-size:21px;display:flex;align-items:center;gap:10px}
.calc-card .calc-sub{color:var(--muted);font-size:14px;margin:0 0 18px}
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:700;color:#42485a;margin-bottom:6px}
.field input, .field select{width:100%;padding:12px 14px;border-radius:10px;border:1.5px solid var(--border);font-family:inherit;font-size:15px;background:#fffdf8;transition:border-color .2s}
.field input:focus, .field select:focus{outline:none;border-color:var(--gold)}
.calc-result{margin-top:18px;background:var(--surface-2);border:1px dashed var(--gold);border-radius:14px;padding:16px 18px}
.calc-result .row{display:flex;justify-content:space-between;padding:6px 0;font-size:14.5px;color:#3d4257}
.calc-result .row strong{color:var(--navy)}
.calc-result .row.total{border-top:1px solid #ecd9a6;margin-top:6px;padding-top:10px;font-size:16px}
.calc-btn{width:100%;margin-top:6px}
@media (max-width:1000px){.calc-grid{grid-template-columns:1fr}}

/* ================= PARTNERS ================= */
.partner-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.partner-tile{background:#fff;border:1px solid var(--border);border-radius:16px;padding:18px 10px;display:grid;place-items:center;min-height:76px;box-shadow:0 8px 18px rgba(30,45,79,.04);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.partner-tile:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.partner-tile span{font-weight:800;color:var(--gold-deep);font-size:14px;letter-spacing:.2px;text-align:center}
@media (max-width:900px){.partner-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.partner-grid{grid-template-columns:repeat(2,1fr)}}

/* ================= COMPARISON TABLE ================= */
.compare-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 12px 26px rgba(30,45,79,.05);border:1px solid var(--border)}
.compare-table th,.compare-table td{padding:16px 20px;text-align:left;font-size:15.5px}
.compare-table thead th{background:var(--navy);color:#fff;font-weight:700}
.compare-table tbody tr:nth-child(odd){background:var(--surface-2)}
.compare-table tbody td:first-child{font-weight:700;color:var(--gold-deep);width:220px}
.compare-table tbody tr.highlight td:first-child{color:var(--gold-deep)}
.compare-table tbody tr.highlight{background:#fff6e0}

/* ================= LANGUAGES ================= */
.lang-pills{display:flex;flex-wrap:wrap;gap:12px}
.lang-pill{background:#fff;border:1.5px solid var(--border);border-radius:999px;padding:10px 20px;font-weight:700;color:var(--gold-deep);font-size:15px;transition:all .25s var(--ease)}
.lang-pill:hover{border-color:var(--gold);background:#fff6e0;transform:translateY(-2px)}

/* ================= FAQ ACCORDION ================= */
.faq-cat{margin-bottom:34px}
.faq-cat > h3{color:var(--navy);font-size:22px;margin:0 0 16px;display:flex;align-items:center;gap:10px}
.faq-cat > h3 .tag{background:var(--gold);color:#fff;font-size:12px;padding:4px 10px;border-radius:999px}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:16px;margin-bottom:12px;overflow:hidden}
.faq-q{width:100%;text-align:left;padding:18px 22px;background:none;border:none;font-family:inherit;font-size:16px;font-weight:700;color:var(--gold-deep);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq-q::after{content:'+';font-size:22px;color:var(--gold-deep);transition:transform .3s var(--ease);flex-shrink:0}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.faq-a p{margin:0;padding:0 22px 20px;color:var(--muted);line-height:1.7;font-size:15.5px}
.faq-search{width:100%;max-width:520px;margin:0 auto 40px;display:block;padding:16px 22px;border-radius:14px;border:1.5px solid var(--border);font-family:inherit;font-size:16px;background:#fff;box-shadow:0 8px 20px rgba(30,45,79,.05)}
.faq-search:focus{outline:none;border-color:var(--gold)}

/* ================= ABOUT PAGE ================= */
.promise-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.promise-card{background:#fff;border:1px solid var(--border);border-radius:20px;padding:22px 16px;box-shadow:0 12px 26px rgba(30,45,79,.05);text-align:left}
.promise-card .icon-circle{background:#fff6e0;color:var(--gold-deep);width:52px;height:52px;font-size:24px;border-radius:14px;margin-bottom:14px;display:grid;place-items:center}
.promise-card h4{margin:0 0 6px;color:var(--navy);font-size:16px}
.promise-card p{margin:0;color:var(--muted);font-size:13.5px;line-height:1.55}
@media (max-width:1100px){.promise-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:760px){.promise-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:480px){.promise-grid{grid-template-columns:1fr}}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:26px;box-shadow:var(--shadow-lg)}
.split h2{font-family:'Playfair Display',serif;font-size:38px;color:var(--navy);margin:0 0 18px}
.split p{color:var(--muted);font-size:17px;line-height:1.8;margin:0 0 14px}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* ================= CONTACT ================= */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.contact-info-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:30px;box-shadow:0 12px 26px rgba(30,45,79,.05)}
.contact-row{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px dashed #eee2cf}
.contact-row:last-child{border-bottom:none}
.contact-row .ci{width:46px;height:46px;border-radius:12px;background:#fff3da;color:var(--gold-deep);display:grid;place-items:center;font-size:20px;flex-shrink:0}
.contact-row strong{display:block;color:var(--gold-deep);font-size:15px}
.contact-row span{color:var(--muted);font-size:14.5px}
.contact-form{background:#fff;border:1px solid var(--border);border-radius:22px;padding:30px;box-shadow:0 12px 26px rgba(30,45,79,.05)}
.contact-form h3{margin:0 0 4px;color:var(--navy);font-size:22px}
.contact-form .sub{color:var(--muted);font-size:14.5px;margin:0 0 22px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-msg{display:none;margin-top:16px;padding:14px 18px;border-radius:12px;background:var(--green-bg);color:var(--green);font-weight:700;font-size:14.5px}
.form-msg.show{display:block;animation:fadeUp .4s var(--ease) both}
textarea{width:100%;padding:12px 14px;border-radius:10px;border:1.5px solid var(--border);font-family:inherit;font-size:15px;background:#fffdf8;resize:vertical;min-height:110px}
textarea:focus{outline:none;border-color:var(--gold)}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}}

/* ================= APP DOWNLOAD BANNER ================= */
.app-banner{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:30px;background:var(--hero-gold);border-radius:28px;padding:44px;color:#fff;box-shadow:var(--shadow-lg)}
.app-banner h3{font-family:'Playfair Display',serif;font-size:32px;margin:0 0 10px}
.app-banner p{color:#dfe6f5;font-size:16px;line-height:1.7;margin:0 0 20px}
.app-stats{display:flex;gap:26px;margin-bottom:20px}
.app-stats div strong{display:block;font-size:22px}
.app-stats div span{font-size:12px;color:#c8d3ec}
.store-badges{display:flex;gap:12px}
.store-badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:10px 18px;border-radius:10px;font-weight:700;font-size:14px}
.app-visual{background:rgba(255,255,255,.08);border-radius:20px;height:220px;display:grid;place-items:center;font-size:60px}
@media (max-width:900px){.app-banner{grid-template-columns:1fr}}

/* ================= FOOTER ================= */
.footer{margin-top:24px;background:#fff;border-top:1px solid #efe5d4;padding:42px 0 0}
.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1.1fr;gap:28px;padding-bottom:30px}
.footer .brand p.info{font-size:15.5px;line-height:1.8;color:#535a67;margin-top:14px;max-width:340px}
.social{display:flex;gap:12px;margin-top:16px}
.social span{width:38px;height:38px;border-radius:50%;border:1px solid #dacfbf;display:grid;place-items:center;color:#203866;font-size:14px;transition:all .25s var(--ease)}
.social span:hover{background:var(--gold);border-color:var(--gold);color:#fff;transform:translateY(-3px)}
.footer h5{margin:6px 0 16px;font-size:20px;color:#c2560a;font-weight:800}
.footer a,.footer li,.footer p{font-size:15px;color:#4f5665;line-height:2}
.footer a:hover{color:var(--gold-deep)}
.footer ul{list-style:none}
.help strong{display:block;font-size:26px;color:var(--gold-deep);margin:6px 0 2px}
.help .muted{color:#666d7b;font-size:14px;line-height:1.8}
.disclaimer{border-top:1px solid #f2ead9;padding:20px 0 26px}
.disclaimer p{font-size:12.5px;color:#8a8f9a;line-height:1.7}
.disclaimer .copyright{margin-top:8px;font-weight:700;color:#6a6f7c}
@media (max-width:1000px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}

/* ================= UTILITIES ================= */
.center{text-align:center}
.mt-0{margin-top:0}
.max-w{max-width:760px;margin-left:auto;margin-right:auto}

/* ================= HEADER: BRAND ORANGE ================= */
.site-header-orange {
  background: #FE5E01 !important;
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
}
.site-header-orange .brand .site-logo-img {
  height: 48px !important;
  max-width: 250px !important;
}
.site-header-orange nav a {
  color: #ffffff !important;
}
.site-header-orange nav a::after {
  background: #ffffff !important;
}
.site-header-orange nav a:hover {
  color: #ffffff !important;
  opacity: 0.92;
}
.site-header-orange nav a.active {
  color: #ffffff !important;
}
.site-header-orange nav a.active::after {
  background: #ffffff !important;
  bottom: -6px;
  height: 2.5px;
}
.site-header-orange .phone {
  color: #ffffff !important;
}
.site-header-orange .phone small {
  color: rgba(255,255,255,0.88) !important;
}
.site-header-orange .login-top {
  background: transparent !important;
  color: #ffffff !important;
  border: 1.5px solid rgba(255,255,255,0.85) !important;
  border-radius: 999px !important;
  padding: 8px 18px !important;
}
.site-header-orange .login-top:hover {
  background: rgba(255,255,255,0.18) !important;
  color: #ffffff !important;
}
.site-header-orange .apply-top {
  background: #ffffff !important;
  color: #FE5E01 !important;
  border-radius: 999px !important;
  padding: 9px 24px !important;
  font-weight: 700 !important;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08) !important;
}
.site-header-orange .apply-top:hover {
  background: #fff5ee !important;
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0,0,0,0.12) !important;
}
.site-header-orange .menu-toggle span {
  background: #ffffff !important;
}

/* ================= BESPOKE HOME LOAN HERO SECTION ================= */
.hero-hl-section {
  background-color: #FFF9F3;
  background-image: 
    radial-gradient(circle at 8% 25%, rgba(254, 94, 1, 0.07) 0%, transparent 45%),
    radial-gradient(circle at 92% 75%, rgba(254, 94, 1, 0.07) 0%, transparent 45%),
    radial-gradient(circle at 50% 50%, rgba(255, 238, 224, 0.45) 0%, transparent 70%);
  padding: 42px 0 24px;
  position: relative;
  overflow: hidden;
}

.hero-hl-container {
  display: grid;
  grid-template-columns: 1.15fr 1fr 1.05fr;
  gap: 24px;
  align-items: center;
}

/* Left Column */
.hero-hl-left {
  padding-right: 6px;
}

.hero-hl-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #FFE8D6;
  color: #EA580C;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.5px;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 22px;
}
.hero-hl-badge .badge-icon {
  font-size: 15px;
}

.hero-hl-title {
  font-family: 'Playfair Display', serif;
  font-size: 46px;
  line-height: 1.15;
  font-weight: 800;
  margin: 0 0 16px;
  letter-spacing: -0.5px;
}
.hero-hl-title .title-dark {
  display: block;
  color: #0F172A;
}
.hero-hl-title .title-orange {
  display: block;
  color: #FE5E01;
}

.hero-hl-desc {
  font-size: 16px;
  line-height: 1.6;
  color: #4B5563;
  margin: 0 0 28px;
  font-weight: 500;
  max-width: 480px;
}

/* 4 Feature Circles */
.hero-hl-features {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 32px;
}
.hl-feat-item {
  text-align: center;
}
.hl-feat-circle {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #FFE8D6;
  color: #EA580C;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 800;
  margin: 0 auto 10px;
  transition: transform 0.25s var(--ease), background 0.25s var(--ease);
}
.hl-feat-item:hover .hl-feat-circle {
  transform: translateY(-3px) scale(1.05);
  background: #ffd8bd;
}
.hl-feat-label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: #1F2937;
  line-height: 1.35;
}

/* Actions */
.hero-hl-actions {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
}
.btn-hl-primary {
  background: #FE5E01;
  color: #ffffff !important;
  padding: 14px 28px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 8px 18px rgba(254, 94, 1, 0.28);
  transition: all 0.25s var(--ease);
}
.btn-hl-primary:hover {
  background: #e04b00;
  transform: translateY(-2px);
  box-shadow: 0 12px 24px rgba(254, 94, 1, 0.35);
  color: #ffffff !important;
}
.btn-hl-secondary {
  background: #ffffff;
  color: #1F2937 !important;
  border: 1.5px solid #E5E7EB;
  padding: 13px 26px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  transition: all 0.25s var(--ease);
}
.btn-hl-secondary:hover {
  border-color: #FE5E01;
  color: #FE5E01 !important;
  background: #FFF9F5;
  transform: translateY(-2px);
}

/* Center Visual Column */
.hero-hl-center {
  display: flex;
  align-items: flex-end;
  justify-content: center;
  height: 100%;
}
.hero-hl-img-wrap {
  width: 100%;
  max-width: 440px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}
.hero-family-img {
  width: 100%;
  height: auto;
  object-fit: contain;
  display: block;
  border-radius: 14px;
}

/* Right Form Card */
.hero-hl-right {
  display: flex;
  justify-content: center;
}
.hero-card {
  width: 100%;
  max-width: 380px;
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 18px 45px rgba(234, 88, 12, 0.12), 0 4px 16px rgba(0, 0, 0, 0.06);
  background: #ffffff;
  border: 1px solid #F3E8E2;
}
.hero-card-header {
  background: #FE5E01;
  padding: 20px 22px 16px;
  text-align: left;
}
.hero-card-header h3 {
  margin: 0 0 4px;
  color: #ffffff;
  font-size: 19px;
  font-weight: 800;
  letter-spacing: -0.3px;
}
.hero-card-header p {
  margin: 0;
  color: rgba(255, 255, 255, 0.92);
  font-size: 12px;
  font-weight: 500;
}
.hero-card-body {
  padding: 18px 20px 20px;
  background: #ffffff;
  display: flex;
  flex-direction: column;
  gap: 11px;
}
.form-input-box {
  position: relative;
  display: flex;
  align-items: center;
}
.form-input-box .box-icon {
  position: absolute;
  left: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}
.form-input-box input {
  width: 100%;
  padding: 10px 12px 10px 38px;
  border: 1.5px solid #E5E7EB;
  border-radius: 8px;
  font-size: 13.5px;
  font-family: inherit;
  color: #1F2937;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
  background: #ffffff;
}
.form-input-box input:focus {
  border-color: #FE5E01;
  box-shadow: 0 0 0 3px rgba(254, 94, 1, 0.12);
}
.reset-wrap {
  text-align: right;
  margin-top: -4px;
}
.btn-reset-details {
  background: transparent;
  border: 1px solid #FE5E01;
  color: #FE5E01;
  font-size: 11px;
  font-weight: 700;
  padding: 3px 12px;
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.2s;
}
.btn-reset-details:hover {
  background: #FE5E01;
  color: #ffffff;
}
.consent-check {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 11px;
  color: #4B5563;
  line-height: 1.4;
  cursor: pointer;
  margin: 2px 0;
}
.consent-check input[type="checkbox"] {
  margin-top: 2px;
  accent-color: #FE5E01;
  cursor: pointer;
  width: 14px;
  height: 14px;
  flex-shrink: 0;
}
.btn-card-submit {
  width: 100%;
  background: #FE5E01;
  color: #ffffff;
  border: none;
  padding: 12px;
  border-radius: 9px;
  font-weight: 800;
  font-size: 15px;
  cursor: pointer;
  box-shadow: 0 8px 18px rgba(254, 94, 1, 0.28);
  transition: all 0.25s var(--ease);
}
.btn-card-submit:hover {
  background: #e04b00;
  transform: translateY(-2px);
  box-shadow: 0 12px 24px rgba(254, 94, 1, 0.35);
}
.security-lock {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 11.5px;
  color: #6B7280;
  font-weight: 600;
  margin-top: 2px;
}

/* ================= 4-ITEM TRUST STRIP ================= */
.trust-bar-section {
  background: #ffffff;
  border-top: 1px solid #F3E8E2;
  border-bottom: 1px solid #F3E8E2;
  padding: 24px 0;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.02);
}
.trust-bar-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.trust-col {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 6px 16px;
  border-right: 1px solid #F3E8E2;
}
.trust-col:last-child {
  border-right: none;
}
.trust-col-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: #FFF1E8;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-col-info h4 {
  margin: 0;
  font-size: 15px;
  font-weight: 800;
  color: #111827;
  line-height: 1.25;
}
.trust-col-info p {
  margin: 2px 0 0;
  font-size: 13px;
  color: #4B5563;
  line-height: 1.3;
}

/* Responsive Breakpoints */
@media (max-width: 1200px) {
  .hero-hl-container {
    grid-template-columns: 1fr 1fr;
    gap: 30px;
  }
  .hero-hl-center {
    grid-column: span 2;
    order: 3;
    min-height: auto;
  }
  .hero-family-img {
    max-width: 380px;
  }
  .trust-bar-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .trust-col:nth-child(2) {
    border-right: none;
  }
}

@media (max-width: 768px) {
  .hero-hl-container {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .hero-hl-center {
    grid-column: span 1;
    order: 2;
  }
  .hero-hl-right {
    order: 3;
  }
  .hero-hl-title {
    font-size: 34px;
  }
  .hero-hl-features {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .trust-bar-grid {
    grid-template-columns: 1fr;
  }
  .trust-col {
    border-right: none;
    border-bottom: 1px solid #F3E8E2;
    padding-bottom: 14px;
  }
  .trust-col:last-child {
    border-bottom: none;
  }
}