/* ═══════════════════════════════════════════════════════════
   Premium UI Layer — Cursor, Widgets, Dark Mode, Mobile
   ═══════════════════════════════════════════════════════════ */

html[data-theme="dark"] {
    --ft-bg: #0B1220;
    --ft-text: #F1F5F9;
    --ft-text-muted: #94A3B8;
    --ft-card: rgba(15, 23, 42, 0.88);
    --ft-glass-border: rgba(255, 255, 255, 0.1);
    --ft-shadow: 0 24px 64px rgba(0, 0, 0, 0.35);
    --ft-shadow-lg: 0 32px 80px rgba(0, 0, 0, 0.45);
}
html[data-theme="dark"] .ft-nav.navbar {
    background: rgba(11, 18, 32, 0.88) !important;
    border-bottom-color: rgba(255, 255, 255, 0.08);
}
html[data-theme="dark"] .hp-section--gray {
    background: linear-gradient(180deg, #0F172A 0%, #0B1220 100%) !important;
}
html[data-theme="dark"] .hp-trust { background: #0F172A !important; }
html[data-theme="dark"] .ft-category-card,
html[data-theme="dark"] .ft-stat-card,
html[data-theme="dark"] .hp-review-card {
    background: rgba(15, 23, 42, 0.9) !important;
    border-color: rgba(255, 255, 255, 0.08) !important;
}

/* ── Skeleton loading ── */
.ft-skeleton-screen {
    position: fixed;
    inset: 0;
    z-index: 9998;
    background: var(--ft-bg);
    padding: 100px 32px 32px;
    pointer-events: none;
    transition: opacity 0.4s, visibility 0.4s;
}
.ft-skeleton-screen.is-hidden { opacity: 0; visibility: hidden; }
.ft-skeleton-screen__bar {
    height: 56px;
    border-radius: 16px;
    margin-bottom: 32px;
    background: linear-gradient(90deg, #E2E8F0 25%, #F1F5F9 50%, #E2E8F0 75%);
    background-size: 200% 100%;
    animation: ft-shimmer 1.4s infinite;
}
.ft-skeleton-screen__hero {
    height: 280px;
    border-radius: 24px;
    margin-bottom: 24px;
    background: linear-gradient(90deg, #E2E8F0 25%, #F1F5F9 50%, #E2E8F0 75%);
    background-size: 200% 100%;
    animation: ft-shimmer 1.4s infinite;
}
.ft-skeleton-screen__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}
.ft-skeleton-screen__grid span {
    height: 120px;
    border-radius: 16px;
    background: linear-gradient(90deg, #E2E8F0 25%, #F1F5F9 50%, #E2E8F0 75%);
    background-size: 200% 100%;
    animation: ft-shimmer 1.4s infinite;
}
@keyframes ft-shimmer {
    0% { background-position: 200% 0; }
    100% { background-position: -200% 0; }
}
.ft-img-skeleton {
    background: linear-gradient(90deg, #E2E8F0 25%, #F8FAFC 50%, #E2E8F0 75%) !important;
    background-size: 200% 100% !important;
    animation: ft-shimmer 1.2s infinite;
    min-height: 120px;
}
.ft-img-loaded { animation: ft-img-in 0.4s ease; }
@keyframes ft-img-in { from { opacity: 0.6; } to { opacity: 1; } }

/* ── Cursor glow & mouse gradient ── */
.ft-cursor-glow {
    position: fixed;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.35), transparent 70%);
    pointer-events: none;
    z-index: 9990;
    mix-blend-mode: screen;
    opacity: 0;
    transition: opacity 0.3s;
}
.ft-mouse-gradient {
    position: fixed;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(245, 158, 11, 0.08), transparent 65%);
    pointer-events: none;
    z-index: 0;
    opacity: 0;
    transition: opacity 0.3s;
}
body.ft-cursor-active .ft-cursor-glow,
body.ft-cursor-active .ft-mouse-gradient { opacity: 1; }

/* ── Glass gradient border cards ── */
.ft-glass-gradient {
    position: relative;
    background: var(--ft-card);
    backdrop-filter: blur(20px) saturate(1.4);
    border-radius: var(--ft-radius);
}
.ft-glass-gradient::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: inherit;
    padding: 1px;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.5), rgba(245, 158, 11, 0.35), rgba(37, 99, 235, 0.2));
    -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
    mask-composite: exclude;
    pointer-events: none;
}
.ft-tilt {
    transition: transform 0.15s ease-out, box-shadow 0.35s var(--ft-ease);
    transform-style: preserve-3d;
    box-shadow: var(--ft-shadow), 0 1px 0 rgba(255, 255, 255, 0.5) inset;
}

/* ── Animated CTA ── */
.ft-btn-animated {
    position: relative;
    overflow: hidden;
}
.ft-btn-animated::after {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 60%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.35), transparent);
    transform: skewX(-20deg);
}
.ft-btn-animated.is-shining::after {
    animation: ft-shine 0.7s ease;
}
@keyframes ft-shine {
    to { left: 150%; }
}

/* ── Theme toggle & EMI fab ── */
.ft-theme-toggle,
.ft-emi-fab {
    width: 40px;
    height: 40px;
    border: 1px solid rgba(226, 232, 240, 0.9);
    border-radius: 12px;
    background: var(--ft-card);
    cursor: pointer;
    display: grid;
    place-items: center;
    color: var(--ft-text-muted);
    transition: background 0.2s, transform 0.2s, border-color 0.2s;
}
.ft-theme-toggle:hover,
.ft-emi-fab:hover {
    transform: translateY(-2px);
    border-color: rgba(37, 99, 235, 0.35);
    color: var(--ft-primary);
}
.ft-nav__actions {
    display: flex;
    align-items: center;
    gap: 10px;
}
.ft-theme-icon { width: 18px; height: 18px; }
html:not([data-theme="dark"]) .ft-theme-icon--dark { display: none; }
html[data-theme="dark"] .ft-theme-icon--light { display: none; }
.ft-emi-fab svg { width: 18px; height: 18px; }

/* ── Sticky Apply ── */
.ft-sticky-apply {
    position: fixed;
    right: 24px;
    top: 50%;
    transform: translateY(-50%) translateX(120px);
    z-index: 1040;
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 14px 18px;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--ft-accent), #FBBF24);
    color: var(--ft-dark) !important;
    font-weight: 700;
    font-size: 0.88rem;
    text-decoration: none;
    box-shadow: 0 16px 40px rgba(245, 158, 11, 0.4);
    transition: transform 0.4s var(--ft-ease), box-shadow 0.3s;
}
.ft-sticky-apply.is-visible {
    transform: translateY(-50%) translateX(0);
}
.ft-sticky-apply:hover {
    box-shadow: 0 20px 50px rgba(245, 158, 11, 0.5);
}
.ft-sticky-apply svg { width: 18px; height: 18px; }

/* ── SVG Waves ── */
.ft-wave-wrap {
    line-height: 0;
    margin-top: -1px;
    overflow: hidden;
}
.ft-wave {
    display: block;
    width: 100%;
    height: 64px;
}
.ft-wave--light .ft-wave path { fill: var(--ft-bg); }
.ft-wave--white .ft-wave path { fill: #fff; }
.ft-wave--dark .ft-wave path { fill: var(--ft-dark); }
.ft-wave--blue .ft-wave path { fill: #1E3A8A; }

/* ── AOS-style ── */
[data-ft-aos] {
    opacity: 0;
    transform: translateY(36px);
    transition: opacity 0.75s var(--ft-ease), transform 0.75s var(--ft-ease);
    transition-delay: var(--aos-delay, 0s);
}
[data-ft-aos="fade-left"] { transform: translateX(36px); }
[data-ft-aos="fade-right"] { transform: translateX(-36px); }
[data-ft-aos="zoom"] { transform: scale(0.92); }
.ft-aos-visible {
    opacity: 1 !important;
    transform: none !important;
}

/* ── Hero Lottie & approval progress ── */
.ft-hero-lottie {
    position: absolute;
    top: -20px;
    right: -20px;
    width: 100px;
    height: 100px;
    opacity: 0.9;
    pointer-events: none;
    z-index: 4;
}
.ft-hero-approval {
    position: absolute;
    left: 16px;
    right: 16px;
    bottom: 16px;
    z-index: 5;
    margin-top: 0;
    padding: 12px 14px;
    border-radius: 14px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid var(--ft-glass-border);
}
.ft-hero-approval span {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 8px;
}
.ft-hero-approval span svg { width: 14px; height: 14px; color: #4ADE80; }
.ft-hero-approval__track {
    height: 6px;
    border-radius: 99px;
    background: rgba(255, 255, 255, 0.12);
    overflow: hidden;
}
.ft-hero-approval__bar {
    height: 100%;
    width: 0;
    border-radius: 99px;
    background: linear-gradient(90deg, #22C55E, #4ADE80);
    transition: width 0.1s linear;
}

/* ── Loan approval progress (eligibility) ── */
.ft-approval-progress {
    height: 8px;
    border-radius: 99px;
    background: #E2E8F0;
    overflow: hidden;
    margin: 12px 0 8px;
}
.ft-approval-progress__bar {
    height: 100%;
    border-radius: 99px;
    background: linear-gradient(90deg, var(--ft-primary), #4ADE80);
    width: 0;
    transition: width 1.2s var(--ft-ease);
}
.ft-approval-progress__bar.is-animated { animation: ft-progress-pulse 2s ease infinite; }
@keyframes ft-progress-pulse {
    0%, 100% { filter: brightness(1); }
    50% { filter: brightness(1.15); }
}
.ft-approval-progress__label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.72rem;
    color: #16A34A;
    font-weight: 600;
    margin-bottom: 12px;
}
.ft-approval-progress__label svg { width: 14px; height: 14px; }

/* ── Eligibility widget ── */
.ft-eligibility {
    position: fixed;
    left: 24px;
    bottom: 100px;
    z-index: 1035;
    width: min(300px, calc(100vw - 48px));
    border-radius: var(--ft-radius);
    box-shadow: var(--ft-shadow-lg);
    overflow: hidden;
}
.ft-eligibility__toggle {
    width: 100%;
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 14px 16px;
    border: none;
    background: linear-gradient(135deg, var(--ft-primary), var(--ft-primary-dark));
    color: #fff;
    font-weight: 600;
    font-size: 0.88rem;
    cursor: pointer;
    font-family: var(--ft-font);
}
.ft-eligibility__toggle svg { width: 18px; height: 18px; }
.ft-eligibility__chev { margin-left: auto; transition: transform 0.3s; }
.ft-eligibility.is-open .ft-eligibility__chev { transform: rotate(180deg); }
.ft-eligibility__body {
    padding: 16px;
    background: var(--ft-card);
    backdrop-filter: blur(16px);
}
.ft-eligibility__body label {
    display: block;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--ft-text-muted);
    margin: 10px 0 4px;
}
.ft-eligibility__body input[type="range"] {
    width: 100%;
    accent-color: var(--ft-primary);
}
.ft-eligibility__val {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--ft-primary);
    margin-bottom: 4px;
}
.ft-eligibility__hint {
    font-size: 0.75rem;
    color: var(--ft-text-muted);
    margin: 0 0 8px;
}
.ft-eligibility__result {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px;
    margin: 12px 0 0;
    border-radius: 12px;
    background: rgba(37, 99, 235, 0.08);
}
.ft-eligibility__result strong {
    font-size: 1.1rem;
    color: var(--ft-primary);
}
.ft-eligibility__cta {
    width: 100%;
    margin-top: 12px;
    justify-content: center;
}

/* ── EMI Modal ── */
.ft-modal {
    position: fixed;
    inset: 0;
    z-index: 1100;
    display: grid;
    place-items: center;
    padding: 24px;
}
.ft-modal[hidden] { display: none !important; }
.ft-modal__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(15, 23, 42, 0.55);
    backdrop-filter: blur(6px);
}
.ft-modal__panel {
    position: relative;
    width: min(400px, 100%);
    padding: 28px 24px;
    border-radius: var(--ft-radius-lg);
    box-shadow: var(--ft-shadow-lg);
    animation: ft-modal-in 0.35s var(--ft-ease);
}
@keyframes ft-modal-in {
    from { opacity: 0; transform: scale(0.92) translateY(20px); }
    to { opacity: 1; transform: none; }
}
.ft-modal__close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border: none;
    border-radius: 10px;
    background: rgba(0, 0, 0, 0.06);
    cursor: pointer;
    display: grid;
    place-items: center;
}
.ft-modal h3 {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 0 0 20px;
    font-size: 1.1rem;
}
.ft-modal h3 svg { width: 22px; height: 22px; color: var(--ft-primary); }
.ft-modal label {
    display: block;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--ft-text-muted);
    margin: 12px 0 6px;
}
.ft-modal input[type="range"] { width: 100%; accent-color: var(--ft-primary); }
.ft-modal__display {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--ft-primary);
}
.ft-modal__emi {
    text-align: center;
    padding: 20px;
    margin: 20px 0 16px;
    border-radius: 16px;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.1), rgba(245, 158, 11, 0.08));
}
.ft-modal__emi strong {
    display: block;
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--ft-dark);
    margin-top: 4px;
}
.ft-modal .tlb-btn { width: 100%; margin-top: 8px; justify-content: center; }

/* ── AI Assistant ── */
.ft-ai-btn {
    position: fixed;
    left: 24px;
    bottom: 24px;
    z-index: 1045;
    width: 56px;
    height: 56px;
    border: none;
    border-radius: 18px;
    background: linear-gradient(135deg, #8B5CF6, #6366F1);
    color: #fff;
    cursor: pointer;
    display: grid;
    place-items: center;
    box-shadow: 0 16px 40px rgba(99, 102, 241, 0.45);
    transition: transform 0.3s var(--ft-ease);
}
.ft-ai-btn:hover { transform: scale(1.06); }
.ft-ai-btn svg { width: 26px; height: 26px; }
.ft-ai-btn__pulse {
    position: absolute;
    inset: -4px;
    border-radius: 22px;
    border: 2px solid rgba(139, 92, 246, 0.5);
    animation: ft-ai-pulse 2s ease infinite;
}
@keyframes ft-ai-pulse {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.15); opacity: 0; }
}
.ft-ai-panel {
    position: fixed;
    left: 24px;
    bottom: 92px;
    z-index: 1044;
    width: min(320px, calc(100vw - 48px));
    padding: 18px;
    border-radius: var(--ft-radius);
    box-shadow: var(--ft-shadow-lg);
    animation: ft-modal-in 0.3s var(--ft-ease);
}
.ft-ai-panel[hidden] { display: none !important; }
.ft-ai-panel__head {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 14px;
}
.ft-ai-panel__head svg { width: 24px; height: 24px; color: #8B5CF6; }
.ft-ai-panel__head strong { display: block; font-size: 0.95rem; }
.ft-ai-panel__head span { font-size: 0.72rem; color: var(--ft-text-muted); }
.ft-ai-panel__head button {
    margin-left: auto;
    border: none;
    background: transparent;
    cursor: pointer;
    padding: 4px;
}
.ft-ai-panel__chips {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 12px;
}
.ft-ai-chip {
    padding: 8px 12px;
    border-radius: 999px;
    border: 1px solid rgba(37, 99, 235, 0.2);
    background: rgba(37, 99, 235, 0.06);
    font-size: 0.75rem;
    font-weight: 500;
    cursor: pointer;
    font-family: var(--ft-font);
    color: var(--ft-text);
    transition: background 0.2s, transform 0.2s;
}
.ft-ai-chip:hover {
    background: rgba(37, 99, 235, 0.12);
    transform: translateY(-2px);
}
.ft-ai-panel__msg {
    padding: 12px;
    border-radius: 12px;
    background: rgba(0, 0, 0, 0.04);
    font-size: 0.82rem;
    line-height: 1.55;
    color: var(--ft-text-muted);
    margin-bottom: 12px;
}
.ft-ai-panel__cta { width: 100%; justify-content: center; }

/* ── Toast ── */
.ft-toast-stack {
    position: fixed;
    top: calc(var(--ft-nav-h) + 16px);
    right: 24px;
    z-index: 1200;
    display: flex;
    flex-direction: column;
    gap: 10px;
    pointer-events: none;
}
.ft-toast {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 18px;
    border-radius: 14px;
    background: var(--ft-card);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: var(--ft-shadow-lg);
    font-size: 0.88rem;
    font-weight: 500;
    transform: translateX(120%);
    opacity: 0;
    transition: transform 0.4s var(--ft-ease), opacity 0.4s;
    pointer-events: auto;
    max-width: 340px;
}
.ft-toast.is-visible { transform: translateX(0); opacity: 1; }
.ft-toast svg { width: 20px; height: 20px; flex-shrink: 0; }
.ft-toast--success { border-color: rgba(22, 163, 74, 0.3); }
.ft-toast--success svg { color: #16A34A; }
.ft-toast--error svg { color: #DC2626; }
.ft-toast--info svg { color: var(--ft-primary); }

/* ── WhatsApp pulse ── */
.tlb-whatsapp-float::before,
.tlb-whatsapp-float::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: inherit;
    z-index: -1;
    animation: ft-wa-pulse 2.5s ease infinite;
}
.tlb-whatsapp-float::after { animation-delay: 1.25s; }
@keyframes ft-wa-pulse {
    0% { transform: scale(1); opacity: 0.6; }
    100% { transform: scale(1.5); opacity: 0; }
}

/* ── Mobile bottom nav & CTA ── */
.ft-mobile-nav {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 1060;
    padding: 8px 12px calc(8px + env(safe-area-inset-bottom));
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(20px) saturate(1.5);
    border-top: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: 0 -12px 40px rgba(15, 23, 42, 0.08);
    justify-content: space-around;
    align-items: center;
}
html[data-theme="dark"] .ft-mobile-nav {
    background: rgba(11, 18, 32, 0.94);
    border-top-color: rgba(255, 255, 255, 0.08);
}
.ft-mobile-nav__item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
    padding: 6px 10px;
    border: none;
    background: transparent;
    color: var(--ft-text-muted);
    font-size: 0.65rem;
    font-weight: 600;
    text-decoration: none;
    cursor: pointer;
    font-family: var(--ft-font);
    transition: color 0.2s, transform 0.2s;
}
.ft-mobile-nav__item svg { width: 20px; height: 20px; }
.ft-mobile-nav__item.is-active,
.ft-mobile-nav__item:hover { color: var(--ft-primary); }
.ft-mobile-nav__item--cta {
    background: linear-gradient(135deg, var(--ft-primary), var(--ft-primary-dark));
    color: #fff !important;
    border-radius: 14px;
    padding: 10px 16px;
    margin-top: -20px;
    box-shadow: 0 12px 28px rgba(37, 99, 235, 0.4);
}
.ft-mobile-cta {
    display: none;
    position: fixed;
    left: 16px;
    right: 16px;
    bottom: calc(72px + env(safe-area-inset-bottom));
    z-index: 1055;
    padding: 14px 20px;
    border-radius: 14px;
    background: linear-gradient(135deg, var(--ft-accent), #FBBF24);
    color: var(--ft-dark) !important;
    font-weight: 700;
    font-size: 0.88rem;
    text-decoration: none;
    text-align: center;
    box-shadow: 0 16px 40px rgba(245, 158, 11, 0.4);
    transform: translateY(120%);
    transition: transform 0.4s var(--ft-ease);
    gap: 8px;
    align-items: center;
    justify-content: center;
}
.ft-mobile-cta.is-visible { transform: translateY(0); }
.ft-mobile-cta svg { width: 18px; height: 18px; }

/* ── Empty states ── */
.tlb-empty {
    text-align: center;
    padding: 56px 32px !important;
    border-radius: var(--ft-radius-lg) !important;
    background: var(--ft-card) !important;
    border: 1px dashed rgba(37, 99, 235, 0.25) !important;
    box-shadow: var(--ft-shadow) !important;
}
.tlb-empty::before {
    content: '';
    display: block;
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    border-radius: 24px;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.12), rgba(245, 158, 11, 0.1));
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40' viewBox='0 0 24 24' fill='none' stroke='%232563EB' stroke-width='1.5'%3E%3Cpath d='M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: center;
}
.tlb-empty h3 {
    margin: 0 0 10px;
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--ft-dark);
}
    font-size: 1rem;
    color: var(--ft-text-muted);
    max-width: 400px;
    margin: 0 auto 20px;
    line-height: 1.6;
}
.tlb-empty a { color: var(--ft-primary); font-weight: 600; }

/* ── FAQ enhanced ── */
.hp-faq__item summary {
    transition: color 0.2s, background 0.2s;
}
.hp-faq__item[open] summary {
    color: var(--ft-primary);
    background: rgba(37, 99, 235, 0.04);
}
.hp-faq__item p {
    animation: ft-faq-open 0.35s var(--ft-ease);
}
@keyframes ft-faq-open {
    from { opacity: 0; transform: translateY(-8px); }
    to { opacity: 1; transform: none; }
}

/* ── Responsive premium ── */
@media (max-width: 1100px) {
    .ft-sticky-apply { display: none; }
    .ft-mobile-nav { display: flex; }
    .ft-mobile-cta { display: flex; }
    .ft-eligibility { bottom: calc(88px + env(safe-area-inset-bottom)); left: 16px; }
    .ft-ai-btn {
        left: auto;
        right: 16px;
        bottom: calc(88px + env(safe-area-inset-bottom));
    }
    .ft-ai-panel {
        left: auto;
        right: 16px;
        bottom: calc(156px + env(safe-area-inset-bottom));
    }
    .ft-scroll-top { bottom: calc(156px + env(safe-area-inset-bottom)); right: 16px; }
    body.ft-body { padding-bottom: 80px; }
    .ft-theme-toggle { display: none; }
    .tlb-whatsapp-float { bottom: calc(88px + env(safe-area-inset-bottom)) !important; }
}
@media (max-width: 600px) {
    .ft-eligibility { width: calc(100vw - 32px); }
    .ft-float-card { max-width: 160px; font-size: 0.85rem; }
}

@media (prefers-reduced-motion: reduce) {
    .ft-cursor-glow,
    .ft-mouse-gradient,
    .tlb-whatsapp-float::before,
    .tlb-whatsapp-float::after,
    .ft-ai-btn__pulse { display: none !important; }
}

/* ═══════════════════════════════════════════════════════════
   Personal Loan Showcase (only product)
   ═══════════════════════════════════════════════════════════ */
.ft-pl-showcase {
    position: relative;
    padding: 100px 0 48px;
    overflow: hidden;
    background: linear-gradient(165deg, #EFF6FF 0%, #F8FAFC 45%, #EEF2FF 100%);
}
.ft-pl-showcase__blob {
    position: absolute;
    border-radius: 50%;
    filter: blur(90px);
    opacity: 0.45;
    pointer-events: none;
    animation: ft-blob 14s ease-in-out infinite;
}
.ft-pl-showcase__blob--1 {
    width: 480px;
    height: 480px;
    top: -120px;
    left: -100px;
    background: #3B82F6;
}
.ft-pl-showcase__blob--2 {
    width: 360px;
    height: 360px;
    right: -80px;
    top: 20%;
    background: #6366F1;
    animation-delay: -5s;
}
.ft-pl-showcase__blob--3 {
    width: 280px;
    height: 280px;
    bottom: -60px;
    left: 35%;
    background: #60A5FA;
    animation-delay: -9s;
}
.ft-pl-showcase .container {
    position: relative;
    z-index: 1;
}
.ft-pl-showcase__card {
    padding: clamp(28px, 4vw, 48px);
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.78);
    backdrop-filter: blur(24px) saturate(1.5);
    box-shadow:
        0 32px 80px rgba(37, 99, 235, 0.12),
        0 8px 24px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.9);
    transition: box-shadow 0.4s var(--ft-ease), transform 0.4s var(--ft-ease);
}
.ft-pl-showcase__card:hover {
    box-shadow:
        0 40px 100px rgba(37, 99, 235, 0.16),
        0 12px 32px rgba(15, 23, 42, 0.08),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
}
.ft-pl-showcase__grid {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: clamp(32px, 4vw, 56px);
    align-items: center;
}
.ft-pl-showcase__visual {
    position: relative;
    width: fit-content;
    margin-bottom: 24px;
}
.ft-pl-showcase__icon-wrap {
    width: 96px;
    height: 96px;
    border-radius: 28px;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, var(--ft-primary) 0%, #60A5FA 100%);
    color: #fff;
    box-shadow: 0 20px 48px rgba(37, 99, 235, 0.35);
}
.ft-pl-showcase__icon-wrap svg {
    width: 44px;
    height: 44px;
}
.ft-float-icon {
    animation: ft-float 3.5s ease-in-out infinite;
}
.ft-pl-showcase__orbit {
    position: absolute;
    width: 40px;
    height: 40px;
    border-radius: 14px;
    display: grid;
    place-items: center;
    background: rgba(255, 255, 255, 0.95);
    border: 1px solid rgba(37, 99, 235, 0.15);
    box-shadow: 0 12px 28px rgba(37, 99, 235, 0.15);
    color: var(--ft-primary);
    animation: ft-float 4s ease-in-out infinite;
}
.ft-pl-showcase__orbit svg { width: 18px; height: 18px; }
.ft-pl-showcase__orbit--1 { top: -8px; right: -24px; animation-delay: 0.3s; }
.ft-pl-showcase__orbit--2 { bottom: 4px; right: -36px; color: #16A34A; animation-delay: 0.8s; }
.ft-pl-showcase__orbit--3 { bottom: -12px; left: -20px; color: var(--ft-accent); animation-delay: 1.2s; }
.ft-pl-showcase__badge {
    display: inline-block;
    margin-bottom: 14px;
    padding: 8px 14px;
    border-radius: 999px;
    background: linear-gradient(135deg, rgba(245, 158, 11, 0.15), rgba(251, 191, 36, 0.25));
    border: 1px solid rgba(245, 158, 11, 0.35);
    color: #B45309;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}
.ft-pl-showcase__title {
    margin: 0 0 12px;
    font-size: clamp(1.75rem, 3.5vw, 2.35rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--ft-dark);
    line-height: 1.15;
}
.ft-pl-showcase__subtitle {
    margin: 0 0 24px;
    font-size: 1.02rem;
    line-height: 1.65;
    color: var(--ft-text-muted);
    max-width: 520px;
}
.ft-pl-showcase__subtitle strong { color: var(--ft-primary); }
.ft-pl-showcase__features {
    list-style: none;
    margin: 0 0 28px;
    padding: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px 20px;
}
.ft-pl-showcase__features li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.88rem;
    font-weight: 500;
    color: var(--ft-text);
    line-height: 1.45;
}
.ft-pl-showcase__features li svg {
    width: 18px;
    height: 18px;
    color: #16A34A;
    flex-shrink: 0;
    margin-top: 1px;
}
.ft-pl-showcase__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}
.ft-pl-showcase__actions .tlb-btn {
    min-width: 160px;
    justify-content: center;
}
.ft-pl-showcase__actions .tlb-btn--outline {
    cursor: pointer;
    font-family: var(--ft-font);
}

.ft-pl-showcase__stats {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}
.ft-pl-mini-stat {
    padding: 22px 18px;
    border-radius: 20px;
    background: rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: 0 12px 32px rgba(37, 99, 235, 0.08);
    text-align: center;
    transition: transform 0.35s var(--ft-ease), box-shadow 0.35s, border-color 0.35s;
}
.ft-pl-mini-stat:hover {
    transform: translateY(-6px);
    border-color: rgba(37, 99, 235, 0.25);
    box-shadow: 0 20px 48px rgba(37, 99, 235, 0.14);
}
.ft-pl-mini-stat > svg {
    width: 26px;
    height: 26px;
    color: var(--ft-primary);
    margin-bottom: 10px;
}
.ft-pl-mini-stat strong {
    display: block;
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--ft-dark);
    letter-spacing: -0.02em;
    line-height: 1.2;
}
.ft-pl-mini-stat span {
    display: block;
    margin-top: 4px;
    font-size: 0.75rem;
    font-weight: 500;
    color: var(--ft-text-muted);
}

.ft-pl-trust-strip {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px 24px;
    margin-top: 28px;
    padding: 18px 24px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.55);
    backdrop-filter: blur(12px);
    border: 1px solid rgba(226, 232, 240, 0.8);
}
.ft-pl-trust-strip span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--ft-text);
}
.ft-pl-trust-strip svg {
    width: 16px;
    height: 16px;
    color: #16A34A;
}

html[data-theme="dark"] .ft-pl-showcase {
    background: linear-gradient(165deg, #0B1220 0%, #0F172A 50%, #111827 100%);
}
html[data-theme="dark"] .ft-pl-showcase__card {
    background: rgba(15, 23, 42, 0.85);
}
html[data-theme="dark"] .ft-pl-mini-stat {
    background: rgba(15, 23, 42, 0.9);
    border-color: rgba(255, 255, 255, 0.08);
}
html[data-theme="dark"] .ft-pl-trust-strip {
    background: rgba(15, 23, 42, 0.7);
    border-color: rgba(255, 255, 255, 0.08);
}

@media (max-width: 900px) {
    .ft-pl-showcase__grid { grid-template-columns: 1fr; }
    .ft-pl-showcase__features { grid-template-columns: 1fr; }
    .ft-pl-showcase__stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
    .ft-pl-showcase { padding: 72px 0 40px; }
    .ft-pl-showcase__stats { grid-template-columns: 1fr; }
    .ft-pl-showcase__actions .tlb-btn { width: 100%; }
    .ft-pl-trust-strip { flex-direction: column; align-items: flex-start; }
}