/* ═══════════════════════════════════════════════════════════════════
   THE LOAN BAZZAR — Unified Premium FinTech Design System
   Single source of truth · CRED · Razorpay · Stripe inspired
   ═══════════════════════════════════════════════════════════════════ */

:root {
    /* Colors */
    --ds-primary: #2563EB;
    --ds-primary-dark: #1E40AF;
    --ds-primary-light: #EFF6FF;
    --ds-accent: #F59E0B;
    --ds-bg: #F8FAFC;
    --ds-bg-blue: #EEF4FF;
    --ds-surface: #FFFFFF;
    --ds-text: #0F172A;
    --ds-text-muted: #64748B;
    --ds-border: rgba(226, 232, 240, 0.95);
    --ds-footer-dark: #081120;
    --ds-footer-mid: #132C63;

    /* Geometry */
    --ds-radius: 20px;
    --ds-radius-sm: 12px;
    --ds-radius-lg: 24px;
    --ds-nav-h: 80px;

    /* Shadows */
    --ds-shadow: 0 20px 50px rgba(15, 23, 42, 0.07);
    --ds-shadow-md: 0 12px 32px rgba(37, 99, 235, 0.1);
    --ds-shadow-lg: 0 28px 64px rgba(15, 23, 42, 0.12);

    /* Typography */
    --ds-font: 'Inter', system-ui, sans-serif;
    --ds-ease: cubic-bezier(0.22, 1, 0.36, 1);

    /* Spacing */
    --ds-section-y: 96px;
    --ds-container: 1200px;

    /* Icons */
    --ds-icon: 20px;
    --ds-icon-stroke: 1.75;
}

/* ── Base overrides ── */
html {
    scroll-behavior: smooth;
    scroll-padding-top: calc(var(--ds-nav-h) + 12px);
}
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

.ft-body,
body.tlb-site {
    font-family: var(--ds-font) !important;
    background: var(--ds-bg) !important;
    color: var(--ds-text);
    -webkit-font-smoothing: antialiased;
}

.container {
    max-width: var(--ds-container);
    padding-left: 28px;
    padding-right: 28px;
}

[data-lucide] {
    width: var(--ds-icon);
    height: var(--ds-icon);
    stroke-width: var(--ds-icon-stroke);
    flex-shrink: 0;
}

/* ── Typography scale ── */
.ds-h1, .hp-hero__text h1, .apply-page__intro h1, .banks-page__head h1 {
    font-family: var(--ds-font);
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1.1;
    color: var(--ds-text);
}
.hp-section__head h2, .section-title h2, .ft-pl-showcase__title {
    font-family: var(--ds-font);
    font-weight: 800;
    letter-spacing: -0.025em;
    color: var(--ds-text);
}
.hp-eyebrow, .ds-eyebrow {
    display: inline-block;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--ds-primary-light);
    color: var(--ds-primary);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 12px;
}

/* ══════════════════════════════════════
   BUTTONS — unified
   ══════════════════════════════════════ */
.ds-btn,
.tlb-btn,
.ft-btn,
.login-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 24px;
    border-radius: var(--ds-radius-sm);
    font-family: var(--ds-font);
    font-size: 0.92rem;
    font-weight: 600;
    line-height: 1;
    text-decoration: none;
    border: none;
    cursor: pointer;
    transition: transform 0.25s var(--ds-ease), box-shadow 0.25s, background 0.25s;
    position: relative;
    overflow: hidden;
}
.ds-btn--sm, .ft-btn--sm { padding: 11px 18px; font-size: 0.86rem; }
.ds-btn--primary,
.tlb-btn:not(.tlb-btn--outline):not(.tlb-btn--ghost-dark):not(.tlb-btn--green),
.login-btn,
.ft-btn--primary {
    background: linear-gradient(135deg, var(--ds-primary) 0%, var(--ds-primary-dark) 100%) !important;
    color: #fff !important;
    box-shadow: 0 10px 28px rgba(37, 99, 235, 0.32) !important;
}
.ds-btn--primary:hover,
.tlb-btn:hover,
.login-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 16px 40px rgba(37, 99, 235, 0.38) !important;
}
.ds-btn--secondary,
.tlb-btn--outline,
.tlb-btn--ghost-dark {
    background: rgba(255, 255, 255, 0.85) !important;
    color: var(--ds-primary) !important;
    border: 1px solid rgba(37, 99, 235, 0.22) !important;
    backdrop-filter: blur(12px);
    box-shadow: var(--ds-shadow) !important;
}
.tlb-btn--gold {
    background: linear-gradient(135deg, var(--ds-primary) 0%, var(--ds-primary-dark) 100%) !important;
    color: #fff !important;
    box-shadow: 0 10px 28px rgba(37, 99, 235, 0.32) !important;
}
.tlb-btn--green {
    background: linear-gradient(135deg, var(--ds-primary) 0%, var(--ds-primary-dark) 100%) !important;
    color: #fff !important;
}
.ds-btn--partner,
.ds-btn--lg.ds-btn--partner {
    background: linear-gradient(135deg, #059669 0%, #047857 100%) !important;
    color: #fff !important;
    border: none !important;
    box-shadow: 0 10px 28px rgba(5, 150, 105, 0.28) !important;
}
.ds-btn--partner:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 36px rgba(5, 150, 105, 0.35) !important;
}
.ds-btn--lg {
    padding: 16px 28px;
    font-size: 1rem;
}
.ds-nav__link--partner {
    color: #059669 !important;
    font-weight: 600 !important;
}
.ds-nav__link--partner.is-active,
.ds-nav__link--partner:hover {
    color: #047857 !important;
    background: rgba(5, 150, 105, 0.08) !important;
}

/* ══════════════════════════════════════
   GLASS CARDS
   ══════════════════════════════════════ */
.ds-glass,
.ft-glass-gradient::before,
.hp-form-card,
.tlb-card,
.ft-pl-showcase__card,
.ft-stat-card,
.ft-pl-mini-stat,
.hp-review-card,
.tlb-bank,
.hp-faq__item,
.ft-timeline__card,
.hp-story-card,
.hp-why__item,
.emi-panel,
.emi-result {
    border-radius: var(--ds-radius) !important;
}
.ds-glass {
    background: rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(20px) saturate(1.4);
    border: 1px solid var(--ds-border);
    box-shadow: var(--ds-shadow);
}

/* ══════════════════════════════════════
   SECTIONS — alternating backgrounds
   ══════════════════════════════════════ */
.ft-section,
.hp-section,
.ft-stats,
.ft-pl-showcase,
.hp-trust,
.emi-section,
.hp-reviews,
.hp-cta {
    padding-top: var(--ds-section-y) !important;
    padding-bottom: var(--ds-section-y) !important;
}
.ft-section--white,
.hp-section:not(.hp-section--gray):not(.hp-section--blue) {
    background: var(--ds-surface) !important;
}
.ft-section--blue-soft,
.hp-section--gray,
.hp-trust,
.ft-stats,
.hp-reviews,
.emi-section {
    background: linear-gradient(180deg, var(--ds-bg-blue) 0%, var(--ds-bg) 100%) !important;
}
.ft-section--gradient,
.ft-pl-showcase {
    background: linear-gradient(165deg, #EEF4FF 0%, #F8FAFC 50%, #E8F0FE 100%) !important;
}
.hp-section--blue,
.hp-cta {
    background: linear-gradient(145deg, #0F172A 0%, var(--ds-footer-mid) 100%) !important;
}
.hp-section__head p,
.hp-lead,
.apply-page__intro > p {
    color: var(--ds-text-muted);
    font-size: 1rem;
    line-height: 1.65;
    font-weight: 400;
}

/* ══════════════════════════════════════
   HEADER — sticky glass 80px
   ══════════════════════════════════════ */
.ds-nav.ft-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1100;
    height: var(--ds-nav-h);
    padding: 0 !important;
    background: rgba(255, 255, 255, 0.72) !important;
    backdrop-filter: blur(20px) saturate(1.5);
    -webkit-backdrop-filter: blur(20px) saturate(1.5);
    border-bottom: 1px solid transparent;
    box-shadow: none !important;
    transition: height 0.35s var(--ds-ease), background 0.35s, box-shadow 0.35s, border-color 0.35s;
}
.ds-nav__inner {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 32px;
    max-width: 1280px;
    height: 100%;
    margin: 0 auto;
    padding: 0 28px;
}
.ds-nav.is-scrolled {
    height: 68px;
    background: rgba(255, 255, 255, 0.92) !important;
    border-bottom-color: var(--ds-border) !important;
    box-shadow: var(--ds-shadow) !important;
}
.ds-nav.is-scrolled .ds-nav__inner { padding: 0 28px; }

/* Transparent over hero (home) */
.ft-page-home .ds-nav:not(.is-scrolled) {
    background: rgba(8, 17, 32, 0.12) !important;
    backdrop-filter: blur(12px);
    border-bottom-color: rgba(255, 255, 255, 0.08);
}
.ft-page-home .ds-nav:not(.is-scrolled) .ds-nav__link {
    color: rgba(255, 255, 255, 0.88) !important;
}
.ft-page-home .ds-nav:not(.is-scrolled) .ds-nav__link:hover,
.ft-page-home .ds-nav:not(.is-scrolled) .ds-nav__link.is-active {
    color: #fff !important;
    background: rgba(255, 255, 255, 0.1) !important;
}
.ft-page-home .ds-nav:not(.is-scrolled) .ds-nav__brand strong { color: #fff; }
.ft-page-home .ds-nav:not(.is-scrolled) .ds-nav__brand small { color: rgba(255, 255, 255, 0.65); }
.ft-page-home .ds-nav:not(.is-scrolled) .ds-btn--secondary {
    background: rgba(255, 255, 255, 0.12) !important;
    color: #fff !important;
    border-color: rgba(255, 255, 255, 0.25) !important;
}
.ft-page-home .ds-nav:not(.is-scrolled) .ds-nav__toggle span {
    background: #fff !important;
}

.ds-nav__logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    flex-shrink: 0;
    transition: opacity 0.25s var(--ds-ease);
}
.ds-nav__logo:hover { opacity: 0.92; }
.ds-nav__logo img,
.ds-nav__logo-mark {
    width: 44px;
    height: 44px;
    flex-shrink: 0;
    border-radius: 12px;
    object-fit: cover;
    box-shadow:
        0 2px 8px rgba(37, 99, 235, 0.22),
        0 0 0 1px rgba(255, 255, 255, 0.12) inset;
    transition: transform 0.35s var(--ds-ease), box-shadow 0.35s var(--ds-ease);
}
.ds-nav__logo:hover img,
.ds-nav__logo:hover .ds-nav__logo-mark {
    transform: translateY(-1px) scale(1.03);
    box-shadow:
        0 6px 18px rgba(37, 99, 235, 0.28),
        0 0 0 1px rgba(255, 255, 255, 0.18) inset;
}
.ds-nav__brand { display: flex; flex-direction: column; }
.ds-nav__brand strong {
    font-size: 0.92rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--ds-text);
    line-height: 1.2;
}
.ds-nav__brand small {
    font-size: 0.65rem;
    color: var(--ds-text-muted);
    font-weight: 500;
}

.ds-nav__menu-wrap { display: flex; justify-content: center; }
.ds-nav__menu {
    display: flex;
    align-items: center;
    gap: 4px;
    list-style: none;
    margin: 0;
    padding: 0;
}
.ds-nav__link {
    position: relative;
    display: inline-flex;
    padding: 10px 16px;
    border-radius: var(--ds-radius-sm);
    color: var(--ds-text-muted) !important;
    font-size: 0.88rem;
    font-weight: 500;
    text-decoration: none !important;
    transition: color 0.2s, background 0.2s;
}
.ds-nav__link::after {
    content: '';
    position: absolute;
    bottom: 4px;
    left: 50%;
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--ds-primary), var(--ds-accent));
    border-radius: 2px;
    transform: translateX(-50%);
    transition: width 0.3s var(--ds-ease);
}
.ds-nav__link:hover,
.ds-nav__link.is-active {
    color: var(--ds-primary) !important;
    background: rgba(37, 99, 235, 0.06);
}
.ds-nav__link.is-active::after,
.ds-nav__link:hover::after { width: 55%; }

.ds-nav__actions {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}
.ds-nav__link--mobile-only { display: none; }

.ds-nav__toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 8px;
    border: none;
    background: transparent;
    cursor: pointer;
}
.ds-nav__toggle span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--ds-primary);
    border-radius: 2px;
    transition: transform 0.3s;
}

.ds-main { padding-top: 0; }

/* ══════════════════════════════════════
   FOOTER — premium dark gradient
   ══════════════════════════════════════ */
.ds-footer {
    position: relative;
    background: linear-gradient(165deg, var(--ds-footer-dark) 0%, #0C1E42 45%, var(--ds-footer-mid) 100%) !important;
    color: rgba(255, 255, 255, 0.85);
    padding: 80px 0 32px !important;
    overflow: hidden;
}
.ds-footer__glow {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 15% 20%, rgba(37, 99, 235, 0.2), transparent 45%),
        radial-gradient(circle at 85% 80%, rgba(245, 158, 11, 0.08), transparent 40%);
    pointer-events: none;
}
.ds-footer__container { position: relative; z-index: 1; }
.ds-footer__grid {
    display: grid;
    grid-template-columns: 1.35fr repeat(5, 1fr);
    gap: 20px;
    margin-bottom: 40px;
}
.ds-footer__brand.ds-glass {
    padding: 28px;
    background: rgba(255, 255, 255, 0.06) !important;
    border-color: rgba(255, 255, 255, 0.1) !important;
    box-shadow: none;
}
.ds-footer__logo {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
    color: #fff;
    margin-bottom: 16px;
}
.ds-footer__logo img,
.ds-footer__logo-mark {
    width: 52px;
    height: 52px;
    flex-shrink: 0;
    border-radius: 14px;
    object-fit: cover;
    box-shadow:
        0 4px 16px rgba(0, 0, 0, 0.25),
        0 0 0 1px rgba(255, 255, 255, 0.1) inset;
    transition: transform 0.35s var(--ds-ease), box-shadow 0.35s var(--ds-ease);
}
.ds-footer__logo:hover img,
.ds-footer__logo:hover .ds-footer__logo-mark {
    transform: translateY(-1px) scale(1.02);
    box-shadow:
        0 8px 24px rgba(37, 99, 235, 0.3),
        0 0 0 1px rgba(255, 255, 255, 0.14) inset;
}
.ds-footer__logo strong {
    display: block;
    font-size: 0.95rem;
    font-weight: 800;
}
.ds-footer__logo em {
    display: block;
    font-style: normal;
    font-size: 0.68rem;
    opacity: 0.6;
    margin-top: 2px;
}
.ds-footer__brand > p {
    font-size: 0.86rem;
    line-height: 1.65;
    opacity: 0.75;
    margin: 0 0 20px;
}
.ds-footer__social {
    display: flex;
    gap: 10px;
}
.ds-footer__social a {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    color: #fff;
    transition: transform 0.3s var(--ds-ease), background 0.3s, box-shadow 0.3s;
}
.ds-footer__social a:hover {
    transform: translateY(-4px) scale(1.05);
    background: rgba(255, 255, 255, 0.15);
    box-shadow: 0 12px 28px rgba(0, 0, 0, 0.25);
}
.ds-footer__social svg { width: 18px; height: 18px; }

.ds-footer__col.ds-glass {
    padding: 22px 20px;
    background: rgba(255, 255, 255, 0.04) !important;
    border-color: rgba(255, 255, 255, 0.08) !important;
    box-shadow: none;
}
.ds-footer__col h4 {
    margin: 0 0 16px;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #fff;
}
.ds-footer__col nav,
.ds-footer__contact {
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.ds-footer__col a {
    color: rgba(255, 255, 255, 0.72);
    text-decoration: none;
    font-size: 0.86rem;
    font-weight: 500;
    transition: color 0.2s, transform 0.2s;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.ds-footer__col a:hover {
    color: #fff;
    transform: translateX(4px);
}
.ds-footer__col a svg { width: 16px; height: 16px; color: var(--ds-accent); }
.ds-footer__address {
    display: flex;
    gap: 8px;
    align-items: flex-start;
    font-size: 0.8rem;
    opacity: 0.65;
    line-height: 1.5;
    margin: 4px 0 0;
}
.ds-footer__address svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }

.ds-footer__trust {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px 20px;
    padding: 24px 0;
    margin-bottom: 24px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.ds-footer__trust span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 16px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.1);
    font-size: 0.78rem;
    font-weight: 600;
}
.ds-footer__trust svg { width: 16px; height: 16px; color: #4ADE80; }

.ds-footer__bottom {
    text-align: center;
    font-size: 0.8rem;
    opacity: 0.55;
    padding-top: 8px;
}
.ds-footer__bottom p { margin: 0; }

/* Hide legacy footer */
.ft-footer, .site-footer:not(.ds-footer) { display: none; }

/* ══════════════════════════════════════
   INNER PAGES — unified shell
   ══════════════════════════════════════ */
.ds-page {
    padding: calc(var(--ds-nav-h) + 48px) 0 var(--ds-section-y);
    background: linear-gradient(180deg, var(--ds-bg-blue) 0%, var(--ds-bg) 100%);
    min-height: 70vh;
}
.apply-page,
.banks-page,
.partner-page,
.emi-page,
.legal-page,
.contact-page {
    padding: calc(var(--ds-nav-h) + 48px) 0 var(--ds-section-y) !important;
    background: linear-gradient(180deg, var(--ds-bg-blue) 0%, var(--ds-bg) 100%) !important;
    min-height: 70vh;
}
.apply-page__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}
.partner-page.apply-page .apply-page__inner {
    align-items: start;
}
.apply-page__intro h1,
.banks-page__head h1 {
    font-size: clamp(1.6rem, 3vw, 2.1rem);
    margin: 0 0 12px;
}
.apply-page__list {
    list-style: none;
    padding: 0;
    margin: 20px 0 0;
}
.apply-page__list li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 0.9rem;
    color: var(--ds-text-muted);
}
.apply-page__list svg { color: #16A34A; width: 18px; height: 18px; }

/* Legal & contact pages */
.legal-page__head {
    max-width: 800px;
    margin: 0 auto 28px;
    text-align: center;
}
.legal-page__head h1 {
    font-size: clamp(1.6rem, 3vw, 2.1rem);
    margin: 0 0 8px;
}
.legal-page__updated {
    margin: 0;
    font-size: 0.88rem;
    color: var(--ds-text-muted);
}
.legal-page__content {
    max-width: 800px;
    margin: 0 auto;
}
.legal-page__content h2 {
    font-size: 1.05rem;
    margin: 28px 0 10px;
    color: var(--ds-text);
}
.legal-page__content h2:first-of-type { margin-top: 0; }
.legal-page__content p,
.legal-page__content li {
    font-size: 0.92rem;
    line-height: 1.7;
    color: var(--ds-text-muted);
}
.legal-page__content ul {
    margin: 8px 0 16px;
    padding-left: 1.25rem;
}
.legal-page__content a {
    color: var(--ds-primary);
    font-weight: 600;
}
.contact-page__cards {
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.contact-page__card {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 16px 18px;
    background: rgba(255, 255, 255, 0.7);
    border: 1px solid var(--ds-border);
    border-radius: var(--ds-radius-sm);
}
.contact-page__card > svg {
    width: 22px;
    height: 22px;
    color: var(--ds-primary);
    flex-shrink: 0;
    margin-top: 2px;
}
.contact-page__card strong {
    display: block;
    font-size: 0.82rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: var(--ds-text-muted);
    margin-bottom: 4px;
}
.contact-page__card a {
    color: var(--ds-primary);
    font-weight: 600;
    text-decoration: none;
}
.contact-page__card p {
    margin: 0;
    font-size: 0.92rem;
    line-height: 1.55;
    color: var(--ds-text);
}
.contact-page__cta {
    width: 100%;
    justify-content: center;
    margin-top: 8px;
}

.hp-form-card,
.tlb-card {
    background: rgba(255, 255, 255, 0.85) !important;
    backdrop-filter: blur(20px) !important;
    border: 1px solid var(--ds-border) !important;
    box-shadow: var(--ds-shadow-lg) !important;
    padding: 32px !important;
}
.hp-form-card__head {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 24px;
}
.hp-form-card__head svg {
    width: 28px;
    height: 28px;
    color: var(--ds-primary);
    padding: 10px;
    background: var(--ds-primary-light);
    border-radius: var(--ds-radius-sm);
    box-sizing: content-box;
}
.tlb-field label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--ds-text);
    margin-bottom: 6px;
    display: block;
}
.tlb-field input {
    width: 100%;
    padding: 14px 16px !important;
    border-radius: var(--ds-radius-sm) !important;
    border: 1px solid var(--ds-border) !important;
    font-family: var(--ds-font);
    font-size: 0.92rem;
    transition: border-color 0.2s, box-shadow 0.2s;
}
.tlb-field input:focus {
    outline: none;
    border-color: var(--ds-primary) !important;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12) !important;
}
.tlb-field {
    margin-bottom: 18px;
}
.tlb-field-hint {
    display: block;
    margin-top: 6px;
    font-size: 0.78rem;
    color: var(--ds-text-muted);
    line-height: 1.35;
}
.hp-form-card form .ds-btn,
.apply-page__form form .ds-btn {
    width: 100%;
    margin-top: 10px;
    justify-content: center;
}
.hp-form-note {
    margin: 20px 0 0;
    padding-top: 4px;
    font-size: 0.75rem;
    color: var(--ds-text-muted);
    text-align: center;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    line-height: 1.45;
}
.hp-form-note svg,
.hp-form-note i {
    color: #16A34A;
    flex-shrink: 0;
}

.banks-page__head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 32px;
}
.banks-page__head p { color: var(--ds-text-muted); }

.tlb-bank-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 18px;
    max-width: 1100px;
    margin: 0 auto;
}
.tlb-bank {
    position: relative;
    background: #fff !important;
    border: 1px solid var(--ds-border) !important;
    box-shadow: var(--ds-shadow) !important;
    border-radius: 16px !important;
    padding: 20px 16px 18px !important;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    transition: transform 0.25s var(--ds-ease), box-shadow 0.25s !important;
}
.tlb-bank:hover {
    transform: translateY(-4px) !important;
    box-shadow: var(--ds-shadow-lg) !important;
    border-color: #bfdbfe !important;
}
.tlb-bank__tag {
    position: absolute;
    top: 10px;
    right: 10px;
    font-size: 0.62rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: #2563eb;
    background: #eff6ff;
    border: 1px solid #bfdbfe;
    border-radius: 999px;
    padding: 3px 8px;
}
.tlb-bank__logo {
    width: 100%;
    max-width: 150px;
    height: 56px;
    border-radius: 12px;
    background: #fff;
    border: 1px solid #e8edf3;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 10px;
    overflow: hidden;
    padding: 8px 12px;
    box-sizing: border-box;
}
.tlb-bank__logo img {
    display: block;
    width: auto;
    height: auto;
    max-width: 130px;
    max-height: 42px;
    object-fit: contain;
    object-position: center;
}
.tlb-bank__initial {
    width: 56px;
    height: 56px;
    border-radius: 12px;
    background: #0a1f44;
    color: #fff;
    font-size: 1.25rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 10px;
}
.tlb-bank h3 {
    margin: 0 0 4px;
    font-size: 0.92rem;
    font-weight: 700;
    color: #0a1f44;
    line-height: 1.3;
}
.tlb-bank > span:not(.tlb-bank__tag) {
    display: block;
    font-size: 0.76rem;
    color: #64748b;
    margin-bottom: 8px;
}
.tlb-bank__policy {
    margin: 0 0 10px;
    font-size: 0.7rem;
    line-height: 1.4;
    color: #64748b;
    background: #f8fafc;
    border-radius: 8px;
    padding: 6px 8px;
    width: 100%;
    box-sizing: border-box;
}
.tlb-bank .ds-btn {
    margin-top: auto;
    width: 100%;
    justify-content: center;
    font-size: 0.82rem;
    padding: 10px 12px;
}
.tlb-empty {
    text-align: center;
    padding: 36px 24px;
    background: #fff;
    border-radius: 16px;
    color: #64748b;
    border: 1px solid #e2e8f0;
    max-width: 520px;
    margin: 0 auto;
}

@media (max-width: 640px) {
    .tlb-bank-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    .tlb-bank {
        padding: 16px 12px 14px !important;
    }
    .tlb-bank__logo {
        max-width: 120px;
        height: 48px;
    }
    .tlb-bank__logo img {
        max-width: 100px;
        max-height: 36px;
    }
}
@media (max-width: 400px) {
    .tlb-bank-grid {
        grid-template-columns: 1fr;
    }
}

/* FAQ — compact section (shorter homepage) */
.hp-section--compact {
    padding-top: 52px !important;
    padding-bottom: 52px !important;
}
.hp-section--compact .hp-section__head {
    margin-bottom: 22px !important;
    max-width: 520px;
}
.hp-section--compact .hp-section__head h2 {
    font-size: clamp(1.35rem, 2.4vw, 1.75rem) !important;
    margin-bottom: 6px !important;
}
.hp-section--compact .hp-section__head p {
    font-size: 0.9rem !important;
    margin: 0;
}
.hp-faq {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px 14px;
    max-width: 920px;
    margin: 0 auto;
}
.hp-faq__item {
    margin-bottom: 0 !important;
    border-radius: 12px !important;
}
.hp-faq__item summary {
    padding: 11px 14px !important;
    font-size: 0.84rem !important;
    line-height: 1.35 !important;
    gap: 8px !important;
}
.hp-faq__item summary::before {
    width: 6px !important;
    height: 6px !important;
}
.hp-faq__item summary::after {
    content: '+';
    font-size: 1rem;
    color: var(--ds-primary);
    font-weight: 700;
    flex-shrink: 0;
    margin-left: 8px;
}
.hp-faq__item[open] summary::after { content: '−'; }
.hp-faq__item p {
    padding: 0 14px 11px 28px !important;
    font-size: 0.8rem !important;
    line-height: 1.5 !important;
}
.hp-faq__item[open] summary {
    padding-bottom: 6px !important;
}

@media (max-width: 768px) {
    .hp-section--compact {
        padding-top: 44px !important;
        padding-bottom: 44px !important;
    }
    .hp-faq {
        grid-template-columns: 1fr;
        gap: 7px;
        max-width: 560px;
    }
}

/* Home EMI — compact */
.emi-section--compact {
    padding-top: 48px !important;
    padding-bottom: 48px !important;
}
.emi-section--compact .hp-section__head,
.emi-section--compact .section-title {
    margin-bottom: 20px !important;
    max-width: 560px;
}
.emi-section--compact .hp-section__head h2,
.emi-section--compact .section-title h2 {
    font-size: clamp(1.3rem, 2.2vw, 1.7rem) !important;
    margin-bottom: 6px !important;
}
.emi-section--compact .hp-section__head p,
.emi-section--compact .section-title p {
    font-size: 0.9rem !important;
    margin: 0;
}
.emi-section--compact .emi-wrap {
    gap: 16px !important;
    max-width: 900px;
}
.emi-section--compact .emi-panel,
.emi-section--compact .emi-result {
    padding: 16px 16px !important;
    border-radius: 14px !important;
}
.emi-section--compact .control-group {
    margin-bottom: 14px !important;
}
.emi-section--compact .control-group:last-child {
    margin-bottom: 0 !important;
}
.emi-section--compact .emi-label-row {
    margin-bottom: 6px !important;
}
.emi-section--compact .emi-label-row label {
    font-size: 0.84rem !important;
}
.emi-section--compact .emi-preset-row {
    gap: 6px !important;
    margin-bottom: 8px !important;
}
.emi-section--compact .emi-preset {
    padding: 4px 10px !important;
    font-size: 0.72rem !important;
}
.emi-section--compact .emi-input-row {
    margin-top: 6px !important;
    padding: 7px 12px !important;
    border-radius: 10px !important;
}
.emi-section--compact .emi-input-row input {
    font-size: 1.05rem !important;
}
.emi-section--compact .ft-emi-chart {
    margin: 0 auto 10px !important;
    width: 100px !important;
    height: 100px !important;
}
.emi-section--compact .ft-emi-chart__label {
    font-size: 0.72rem !important;
}
.emi-section--compact .ft-emi-chart__label strong {
    font-size: 1rem !important;
}
.emi-section--compact .emi-result__label {
    font-size: 0.75rem !important;
    margin-bottom: 2px !important;
}
.emi-section--compact .emi-value {
    font-size: 1.75rem !important;
    margin-bottom: 10px !important;
}
.emi-section--compact .emi-breakdown {
    margin: 12px 0 !important;
}
.emi-section--compact .emi-summary-grid {
    gap: 8px !important;
    margin-top: 10px !important;
}
.emi-section--compact .emi-summary-item {
    padding: 8px 10px !important;
}
.emi-section--compact .emi-summary-item span {
    font-size: 0.7rem !important;
}
.emi-section--compact .emi-summary-item strong {
    font-size: 0.88rem !important;
}
.emi-section--compact .emi-disclaimer {
    font-size: 0.72rem !important;
    margin: 10px 0 12px !important;
}
.emi-section--compact .emi-apply-btn {
    padding: 10px 14px !important;
    font-size: 0.88rem !important;
    width: 100%;
    justify-content: center;
}
.hp-reviews {
    padding-top: 56px !important;
    padding-bottom: 56px !important;
}
.hp-reviews .hp-section__head {
    margin-bottom: 22px !important;
}

@media (max-width: 768px) {
    .emi-section--compact {
        padding-top: 40px !important;
        padding-bottom: 40px !important;
    }
}

/* Hero buttons on dark bg */
.hp-hero--fintech .hp-hero__btns .ds-btn--secondary {
    background: rgba(255, 255, 255, 0.12) !important;
    color: #fff !important;
    border-color: rgba(255, 255, 255, 0.2) !important;
}

/* Scroll top */
.ds-scroll-top,
.ft-scroll-top {
    border-radius: var(--ds-radius-sm) !important;
    background: linear-gradient(135deg, var(--ds-primary), var(--ds-primary-dark)) !important;
}

/* ══════════════════════════════════════
   RESPONSIVE
   ══════════════════════════════════════ */
@media (max-width: 1100px) {
    .ds-nav__inner { grid-template-columns: auto 1fr auto; }
    .ds-nav__menu { display: none; }
    #nav-menu.active {
        display: flex !important;
        flex-direction: column;
        position: fixed;
        top: 72px;
        left: 16px;
        right: 16px;
        background: rgba(255, 255, 255, 0.98);
        backdrop-filter: blur(20px);
        padding: 12px;
        border-radius: var(--ds-radius);
        box-shadow: var(--ds-shadow-lg);
        z-index: 1090;
        gap: 2px;
    }
    .ft-page-home #nav-menu.active .ds-nav__link { color: var(--ds-text-muted) !important; }
    .ds-nav__toggle { display: flex; }
    .ds-nav__link--mobile-only { display: inline-flex; }
    .ds-footer__grid { grid-template-columns: 1fr 1fr; }
    .ds-footer__brand { grid-column: 1 / -1; }
    .apply-page__inner { grid-template-columns: 1fr; }
}

@media (max-width: 1100px) {
    .ds-mobile-nav,
    .ft-mobile-nav {
        background: rgba(255, 255, 255, 0.94) !important;
        backdrop-filter: blur(20px) saturate(1.5);
        border-top: 1px solid var(--ds-border) !important;
        border-radius: var(--ds-radius) var(--ds-radius) 0 0;
    }
    .ft-mobile-nav__item--cta {
        background: linear-gradient(135deg, var(--ds-primary), var(--ds-primary-dark)) !important;
        border-radius: var(--ds-radius-sm) !important;
        box-shadow: var(--ds-shadow-md) !important;
    }
}

@media (max-width: 600px) {
    :root { --ds-section-y: 72px; }
    .ds-footer__grid { grid-template-columns: 1fr; }
    .ds-nav__actions .ds-btn--secondary { display: none; }
    .container { padding-left: 20px; padding-right: 20px; }
    .ds-nav__logo img,
    .ds-nav__logo-mark { width: 40px; height: 40px; border-radius: 11px; }
    .ds-nav__brand strong { font-size: 0.82rem; }
    .ds-nav__brand small { font-size: 0.6rem; }
}

@media (prefers-reduced-motion: reduce) {
    .ds-nav__link::after { transition: none; }
}