/* ============================================================
   Kreditbazaar — premium banking UI (IDFC FIRST inspired)
   Palette: white, navy #0a1f44, red #e30613, soft #f5f7fb
   ============================================================ */
:root{
  --navy:#0a1f44; --navy-2:#13284f; --navy-soft:#1c3669;
  --red:#e30613; --red-dark:#b8050f;
  --bg:#ffffff; --soft:#f5f7fb; --line:#e6ebf2;
  --text:#0e1a33; --muted:#5b6b88;
  --radius:14px; --radius-lg:20px;
  --shadow-sm:0 2px 8px rgba(10,31,68,.06);
  --shadow-md:0 10px 30px rgba(10,31,68,.10);
  --shadow-lg:0 30px 60px rgba(10,31,68,.18);
  --grad:linear-gradient(135deg,#0a1f44 0%,#13284f 60%,#1c3669 100%);
  --grad-red:linear-gradient(135deg,#e30613 0%,#ff3a4a 100%);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,sans-serif;color:var(--text);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5,h6{font-family:'Plus Jakarta Sans','Inter',sans-serif;color:var(--navy);margin:0 0 .6em;letter-spacing:-.02em;line-height:1.2}
h1{font-size:clamp(2rem,4.5vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.4rem);font-weight:800}
h3{font-size:1.35rem;font-weight:700}
p{margin:0 0 1em;color:#3a4a6b}
a{color:var(--navy);text-decoration:none;transition:.25s}
a:hover{color:var(--red)}
img{max-width:100%;display:block}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.d-flex{display:flex;align-items:center;flex-wrap:wrap;gap:12px}
.ms-auto{margin-left:auto}
.text-center{text-align:center}
.text-white{color:#fff !important}
.mb-2{margin-bottom:.5rem}.mb-3{margin-bottom:1rem}.mb-4{margin-bottom:1.5rem}.mb-5{margin-bottom:2.5rem}
.mt-3{margin-top:1rem}.mt-4{margin-top:1.5rem}.mt-5{margin-top:2.5rem}
.section{padding:80px 0}
.section-sm{padding:50px 0}
.muted{color:var(--muted)}
.kicker{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--red);padding:6px 14px;border-radius:999px;background:rgba(227,6,19,.08);margin-bottom:14px}
.lead{font-size:1.1rem;color:#46587a;max-width:720px;margin:0 auto 30px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:999px;font-weight:700;font-size:.95rem;border:0;cursor:pointer;transition:.25s;text-decoration:none;line-height:1}
.btn-primary{background:var(--grad-red);color:#fff;box-shadow:0 10px 24px rgba(227,6,19,.28)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(227,6,19,.4);color:#fff}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);color:#fff;transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-light:hover{border-color:var(--navy);transform:translateY(-2px)}
.btn-outline{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-lg{padding:18px 34px;font-size:1rem}
.btn-block{display:flex;width:100%;justify-content:center}

/* ---------- Topbar / Navbar ---------- */
.topbar{background:var(--navy);color:#cfd7e8;font-size:.85rem;padding:8px 0}
.topbar a{color:#cfd7e8;margin-left:18px}
.topbar a:hover{color:#fff}
.navbar-wrap{position:sticky;top:0;background:#fff;z-index:100;border-bottom:1px solid transparent;transition:.3s}
.navbar-wrap.scrolled{box-shadow:var(--shadow-md);border-bottom-color:var(--line)}
.nav-inner{display:flex;align-items:center;padding:14px 20px;max-width:1200px;margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;font-family:'Plus Jakarta Sans',sans-serif;font-weight:800;font-size:1.35rem;color:var(--navy)}
.brand-mark{width:38px;height:38px;border-radius:10px;background:var(--grad-red);color:#fff;display:grid;place-items:center;font-weight:800;box-shadow:0 6px 14px rgba(227,6,19,.35)}
.brand-text{color:var(--navy)}
.nav-menu{margin-left:auto;display:flex;align-items:center;gap:6px}
.nav-menu > a, .has-dropdown > a{padding:10px 14px;border-radius:8px;font-weight:600;color:var(--navy);font-size:.95rem;display:inline-flex;align-items:center;gap:4px}
.nav-menu > a:hover, .has-dropdown > a:hover, .nav-menu > a.active{color:var(--red);background:rgba(227,6,19,.06)}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:0;background:#fff;min-width:280px;border-radius:14px;box-shadow:var(--shadow-lg);padding:10px;opacity:0;visibility:hidden;transform:translateY(10px);transition:.25s;border:1px solid var(--line)}
.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:flex;align-items:center;gap:10px;padding:12px 14px;border-radius:10px;font-weight:600;color:var(--navy);font-size:.92rem}
.dropdown a i{color:var(--red);font-size:1.15rem}
.dropdown a:hover{background:var(--soft)}
.btn-cta{background:var(--grad-red);color:#fff !important;padding:10px 20px !important;border-radius:999px;box-shadow:0 6px 16px rgba(227,6,19,.3)}
.btn-cta:hover{transform:translateY(-2px)}
.nav-toggle{display:none;background:transparent;border:0;font-size:1.6rem;color:var(--navy);margin-left:auto}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--grad);color:#fff;padding:90px 0 110px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 20%, rgba(227,6,19,.25), transparent 50%),radial-gradient(circle at 10% 90%, rgba(28,54,105,.6), transparent 50%);pointer-events:none}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.hero h1{color:#fff;font-size:clamp(2.2rem,5vw,3.8rem);font-weight:800}
.hero h1 span{background:linear-gradient(90deg,#ff8a92,#ff3a4a);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#cfd7e8;max-width:560px;margin-left:0;font-size:1.15rem}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-trust{display:flex;gap:30px;margin-top:40px;flex-wrap:wrap}
.hero-trust div{display:flex;align-items:center;gap:10px;color:#cfd7e8;font-size:.9rem}
.hero-trust i{color:#4ade80;font-size:1.2rem}
.hero-card{background:#fff;border-radius:24px;padding:32px;color:var(--text);box-shadow:0 40px 80px rgba(0,0,0,.3);animation:floatY 4s ease-in-out infinite}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.hero-card h3{color:var(--navy);font-size:1.15rem;margin-bottom:6px}
.hero-card .muted{font-size:.88rem}

/* ---------- Forms / inputs ---------- */
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-group{margin-bottom:14px}
.form-group label{display:block;font-weight:600;font-size:.85rem;color:var(--navy);margin-bottom:6px}
.input, select.input, textarea.input{width:100%;padding:13px 16px;border:1.5px solid var(--line);border-radius:12px;font-size:.95rem;background:#fff;font-family:inherit;transition:.2s}
.input:focus{outline:0;border-color:var(--red);box-shadow:0 0 0 4px rgba(227,6,19,.08)}
.input-icon{position:relative}
.input-icon i{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.input-icon .input{padding-left:42px}
.field-error{color:var(--red);font-size:.8rem;margin-top:4px;display:none}
.field-error.show{display:block}
.alert{padding:14px 18px;border-radius:12px;font-size:.92rem;margin-bottom:14px}
.alert-success{background:#dcfce7;color:#065f46;border:1px solid #86efac}
.alert-error{background:#fee2e2;color:#991b1b;border:1px solid #fca5a5}

/* ---------- Loan grid cards ---------- */
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:1fr 1fr}
.loan-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;transition:.3s;position:relative;overflow:hidden}
.loan-card::after{content:"";position:absolute;inset:0;background:var(--grad);opacity:0;transition:.3s;border-radius:inherit;z-index:-1}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.loan-card .ic{width:60px;height:60px;border-radius:14px;background:linear-gradient(135deg,#fff5f5,#ffe4e6);color:var(--red);display:grid;place-items:center;font-size:1.7rem;margin-bottom:18px;transition:.3s}
.loan-card:hover .ic{background:var(--grad-red);color:#fff;transform:rotate(-8deg) scale(1.05)}
.loan-card h3{font-size:1.2rem}
.loan-card .rate{display:inline-block;background:var(--soft);color:var(--navy);font-weight:700;font-size:.82rem;padding:6px 12px;border-radius:999px;margin:8px 0}
.loan-card .link{color:var(--red);font-weight:700;font-size:.9rem;margin-top:14px;display:inline-flex;align-items:center;gap:6px}
.loan-card .link i{transition:.25s}
.loan-card:hover .link i{transform:translateX(4px)}

/* ---------- Feature tiles ---------- */
.feature{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:.3s}
.feature:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.feature .ic{width:52px;height:52px;border-radius:12px;background:var(--grad);color:#fff;display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.feature h4{font-size:1.05rem;margin-bottom:6px;color:var(--navy)}

/* ---------- Stats ---------- */
.stats{background:var(--grad);color:#fff;padding:60px 0;border-radius:24px}
.stats .grid-4{gap:20px}
.stat{text-align:center}
.stat .num{font-family:'Plus Jakarta Sans',sans-serif;font-size:2.6rem;font-weight:800;background:linear-gradient(90deg,#fff,#ffd1d4);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat .label{color:#cfd7e8;font-size:.9rem;text-transform:uppercase;letter-spacing:.12em;margin-top:4px}

/* ---------- EMI calculator ---------- */
.emi-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow-sm)}
.emi-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:36px;align-items:start}
.range-row{margin-bottom:18px}
.range-row .lbl{display:flex;justify-content:space-between;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.range-row .val{color:var(--red);font-weight:800}
.range-row input[type=range]{width:100%;accent-color:var(--red);height:6px}
.emi-result{background:var(--grad);color:#fff;border-radius:18px;padding:30px;text-align:center}
.emi-result .label{color:#cfd7e8;font-size:.85rem;text-transform:uppercase;letter-spacing:.1em}
.emi-result .amount{font-family:'Plus Jakarta Sans',sans-serif;font-size:2.4rem;font-weight:800;margin:6px 0 18px}
.emi-result .row2{display:flex;justify-content:space-around;border-top:1px solid rgba(255,255,255,.2);padding-top:18px}
.emi-result .row2 div span{display:block;font-size:.78rem;color:#cfd7e8}
.emi-result .row2 div b{font-size:1.1rem}

/* ---------- Testimonials ---------- */
.testimonial{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;position:relative}
.testimonial .stars{color:#f5b400;margin-bottom:10px}
.testimonial p{font-size:.98rem;color:#3a4a6b}
.testimonial .who{display:flex;align-items:center;gap:12px;margin-top:18px}
.testimonial .who .avatar{width:46px;height:46px;border-radius:50%;background:var(--grad);color:#fff;display:grid;place-items:center;font-weight:700}
.testimonial .who b{display:block;color:var(--navy);font-size:.95rem}
.testimonial .who span{font-size:.82rem;color:var(--muted)}

/* ---------- Bank partners ---------- */
.partners{background:var(--soft);border-radius:24px;padding:40px 30px}
.partners .row{display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.partner-logo{background:#fff;height:80px;display:grid;place-items:center;border-radius:14px;font-weight:800;color:var(--navy);font-family:'Plus Jakarta Sans';transition:.25s;border:1px solid var(--line)}
.partner-logo:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);color:var(--red)}

/* ---------- Trust badges ---------- */
.badges{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.badge-tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;align-items:center;gap:14px}
.badge-tile .ic{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,#dcfce7,#bbf7d0);color:#15803d;display:grid;place-items:center;font-size:1.4rem;flex:0 0 auto}
.badge-tile b{display:block;color:var(--navy);font-size:.95rem}
.badge-tile span{font-size:.82rem;color:var(--muted)}

/* ---------- FAQ ---------- */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden;transition:.25s}
.faq-item.open{border-color:var(--red);box-shadow:var(--shadow-sm)}
.faq-q{padding:18px 22px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:1rem}
.faq-q i{color:var(--red);transition:.25s}
.faq-item.open .faq-q i{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;padding:0 22px;color:#4a5b7c}
.faq-item.open .faq-a{max-height:400px;padding:0 22px 18px}

/* ---------- Page heading ---------- */
.page-head{background:var(--grad);color:#fff;padding:80px 0 100px;position:relative;overflow:hidden}
.page-head::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 90% 30%,rgba(227,6,19,.25),transparent 50%)}
.page-head .container{position:relative;z-index:2;text-align:center}
.page-head h1{color:#fff}
.page-head p{color:#cfd7e8;max-width:680px;margin:10px auto 0}
.breadcrumbs{display:flex;justify-content:center;gap:8px;color:#9fb1d6;font-size:.85rem;margin-top:14px}
.breadcrumbs a{color:#cfd7e8}

/* ---------- Loan page benefits/features lists ---------- */
.bullet-list{list-style:none;padding:0;margin:0}
.bullet-list li{padding:10px 0 10px 32px;position:relative;color:#3a4a6b}
.bullet-list li::before{content:"\f26b";font-family:bootstrap-icons;position:absolute;left:0;top:10px;color:#15803d;font-size:1.1rem}
.doc-list li::before{content:"\f38b";color:var(--red)}

/* ---------- Blog cards ---------- */
.blog-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;transition:.3s;display:flex;flex-direction:column}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.blog-card .thumb{height:200px;background:var(--grad);position:relative;overflow:hidden}
.blog-card .thumb::after{content:"K";position:absolute;font-family:'Plus Jakarta Sans';font-size:6rem;font-weight:800;color:rgba(255,255,255,.12);right:10px;bottom:-30px}
.blog-card .body{padding:22px;flex:1;display:flex;flex-direction:column}
.blog-card h3{font-size:1.1rem;color:var(--navy)}
.blog-card .meta{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px}
.blog-card .link{color:var(--red);font-weight:700;font-size:.88rem;margin-top:auto;display:inline-flex;align-items:center;gap:6px;padding-top:14px}

/* ---------- Footer ---------- */
.site-footer{background:#06142e;color:#a9b6d3;padding:70px 0 0;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,.07)}
.footer-grid h6{color:#fff;font-size:.95rem;margin-bottom:18px;text-transform:uppercase;letter-spacing:.1em}
.footer-grid a{display:block;color:#a9b6d3;padding:5px 0;font-size:.92rem}
.footer-grid a:hover{color:#fff;transform:translateX(4px)}
.footer-grid .muted{color:#7e8db0}
.socials a{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.06);margin-right:8px;font-size:1rem;padding:0}
.socials a:hover{background:var(--red);color:#fff;transform:translateY(-2px)}
.copy{padding:18px 0;color:#7e8db0;font-size:.85rem}
.copy .d-flex{align-items:center}

/* ---------- Floating buttons ---------- */
.float-btn{position:fixed;right:22px;width:56px;height:56px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:1.5rem;box-shadow:0 10px 28px rgba(0,0,0,.25);z-index:99;transition:.25s}
.float-btn:hover{transform:scale(1.1);color:#fff}
.float-wa{bottom:90px;background:#25d366}
.float-call{bottom:22px;background:var(--red);animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(227,6,19,.6)}70%{box-shadow:0 0 0 18px rgba(227,6,19,0)}100%{box-shadow:0 0 0 0 rgba(227,6,19,0)}}

/* ---------- Animations ---------- */
.reveal{opacity:0;transform:translateY(30px);transition:.7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:translateY(0)}

/* ---------- Responsive ---------- */
@media (max-width: 991px){
  .hero .container{grid-template-columns:1fr}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .emi-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .partners .row{grid-template-columns:repeat(3,1fr)}
  .badges{grid-template-columns:1fr 1fr}
}
@media (max-width: 768px){
  .nav-toggle{display:block}
  .nav-menu{position:fixed;top:0;right:-100%;width:80%;max-width:340px;height:100vh;background:#fff;flex-direction:column;align-items:stretch;padding:80px 22px 30px;box-shadow:var(--shadow-lg);transition:.3s;gap:0;overflow-y:auto}
  .nav-menu.open{right:0}
  .nav-menu > a, .has-dropdown > a{padding:14px 6px;border-bottom:1px solid var(--line);border-radius:0;width:100%}
  .has-dropdown{width:100%}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 0 12px;min-width:auto}
  .topbar{display:none}
  .section{padding:60px 0}
  .form-row{grid-template-columns:1fr}
  .grid-3, .grid-4{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:30px}
  .copy .d-flex{flex-direction:column;text-align:center;gap:6px}
  .copy .ms-auto{margin-left:0}
  .partners .row{grid-template-columns:repeat(2,1fr)}
  .badges{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .hero{padding:60px 0 80px}
  .topbar .ms-auto a{margin-left:10px}
}

/* ---------- Admin shell ---------- */
.admin-body{background:#f0f3f9;min-height:100vh;font-family:'Inter',sans-serif}
.admin-shell{display:grid;grid-template-columns:260px 1fr;min-height:100vh}
.admin-side{background:#06142e;color:#cfd7e8;padding:24px 0}
.admin-side .brand{padding:0 24px 24px;color:#fff;border-bottom:1px solid rgba(255,255,255,.07)}
.admin-side a{display:flex;align-items:center;gap:12px;padding:12px 24px;color:#a9b6d3;font-weight:500;font-size:.92rem;border-left:3px solid transparent}
.admin-side a:hover, .admin-side a.active{background:rgba(255,255,255,.05);color:#fff;border-left-color:var(--red)}
.admin-side a i{font-size:1.1rem}
.admin-main{padding:24px}
.admin-topbar{background:#fff;padding:16px 24px;border-radius:14px;display:flex;align-items:center;margin-bottom:22px;box-shadow:var(--shadow-sm)}
.admin-topbar .ms-auto{display:flex;gap:14px;align-items:center}
.admin-card{background:#fff;border-radius:16px;padding:24px;box-shadow:var(--shadow-sm);margin-bottom:22px}
.admin-card h3{margin-bottom:18px;font-size:1.15rem}
.kpi-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:24px}
.kpi{background:#fff;padding:22px;border-radius:14px;box-shadow:var(--shadow-sm);border-left:4px solid var(--red)}
.kpi .l{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.kpi .n{font-family:'Plus Jakarta Sans';font-size:1.9rem;font-weight:800;color:var(--navy);margin-top:4px}
.table{width:100%;border-collapse:collapse;font-size:.9rem}
.table th{background:#f5f7fb;color:var(--navy);font-weight:700;text-align:left;padding:12px;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}
.table td{padding:12px;border-top:1px solid var(--line)}
.table tr:hover td{background:#fafbff}
.badge{display:inline-block;padding:4px 10px;border-radius:999px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.badge.new{background:#dbeafe;color:#1e40af}
.badge.contacted{background:#fef3c7;color:#92400e}
.badge.approved{background:#dcfce7;color:#15803d}
.badge.rejected{background:#fee2e2;color:#991b1b}
.btn-sm{padding:8px 14px;font-size:.82rem}
@media (max-width:768px){
  .admin-shell{grid-template-columns:1fr}
  .admin-side{display:none}
  .kpi-grid{grid-template-columns:1fr 1fr}
}

/* ---------- Login ---------- */
.login-wrap{min-height:100vh;display:grid;place-items:center;background:var(--grad);padding:20px}
.login-card{background:#fff;border-radius:20px;padding:40px;width:100%;max-width:420px;box-shadow:var(--shadow-lg)}
.login-card h2{text-align:center;margin-bottom:6px}
.login-card p{text-align:center;color:var(--muted);margin-bottom:24px}