/* ═══════════════════════════════════════════════════════════
   The Loan Bazzar — Premium FinTech Design System
   CRED · Jupiter · Razorpay inspired
   ═══════════════════════════════════════════════════════════ */

:root {
    --ft-primary: #2563EB;
    --ft-primary-dark: #1E40AF;
    --ft-accent: #F59E0B;
    --ft-accent-soft: #FDE68A;
    --ft-bg: #F8FAFC;
    --ft-dark: #0F172A;
    --ft-dark-mid: #1E3A8A;
    --ft-card: rgba(255, 255, 255, 0.85);
    --ft-glass-border: rgba(255, 255, 255, 0.18);
    --ft-text: #0F172A;
    --ft-text-muted: #64748B;
    --ft-radius: 20px;
    --ft-radius-lg: 28px;
    --ft-shadow: 0 24px 64px rgba(15, 23, 42, 0.08);
    --ft-shadow-lg: 0 32px 80px rgba(37, 99, 235, 0.15);
    --ft-nav-h: 80px;
    --ft-font: 'Inter', 'Poppins', system-ui, sans-serif;
    --ft-ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ── Scrollbar ── */
html {
    scroll-behavior: smooth;
    scroll-padding-top: calc(var(--ft-nav-h) + 16px);
}
::-webkit-scrollbar { width: 8px; height: 8px; }
::-webkit-scrollbar-track { background: #E2E8F0; }
::-webkit-scrollbar-thumb {
    background: linear-gradient(180deg, var(--ft-primary), var(--ft-primary-dark));
    border-radius: 99px;
}

/* ── Body ── */
.ft-body,
body.tlb-site {
    font-family: var(--ft-font) !important;
    background: var(--ft-bg) !important;
    color: var(--ft-text);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}
.ft-main { min-height: 60vh; }

/* ── Loader ── */
.tlb-loader {
    position: fixed;
    inset: 0;
    z-index: 9999;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, var(--ft-dark) 0%, var(--ft-dark-mid) 100%);
    transition: opacity 0.5s var(--ft-ease), visibility 0.5s;
}
.tlb-loader.is-hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.tlb-loader__glow {
    position: absolute;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.35), transparent 70%);
    animation: ft-pulse 2s ease-in-out infinite;
}
.tlb-loader__inner {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 20px;
}
.tlb-loader__logo {
    width: 72px;
    height: 72px;
    border-radius: 18px;
    object-fit: cover;
    box-shadow:
        0 8px 32px rgba(37, 99, 235, 0.35),
        0 0 0 1px rgba(255, 255, 255, 0.12) inset;
    animation: ft-float 2.4s ease-in-out infinite;
}
.tlb-loader__spinner {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: 3px solid rgba(255, 255, 255, 0.15);
    border-top-color: var(--ft-accent);
    animation: ft-spin 0.9s linear infinite;
}
.tlb-loader__text {
    color: rgba(255, 255, 255, 0.9);
    font-weight: 600;
    letter-spacing: 0.08em;
    font-size: 0.82rem;
    text-transform: uppercase;
}

/* ── Scroll progress ── */
.tlb-scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0;
    z-index: 1200;
    background: linear-gradient(90deg, var(--ft-primary), var(--ft-accent));
    box-shadow: 0 0 12px rgba(245, 158, 11, 0.5);
}

/* ── Scroll to top ── */
.ft-scroll-top {
    position: fixed;
    right: 24px;
    bottom: 96px;
    z-index: 1050;
    width: 48px;
    height: 48px;
    border: none;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--ft-primary), var(--ft-primary-dark));
    color: #fff;
    cursor: pointer;
    box-shadow: var(--ft-shadow-lg);
    display: grid;
    place-items: center;
    opacity: 0;
    transform: translateY(12px);
    transition: opacity 0.3s, transform 0.3s var(--ft-ease);
}
.ft-scroll-top.is-visible { opacity: 1; transform: translateY(0); }
.ft-scroll-top:hover { transform: translateY(-4px); }

/* ── Reveal animations ── */
.ft-reveal {
    opacity: 0;
    transform: translateY(32px);
    transition: opacity 0.7s var(--ft-ease), transform 0.7s var(--ft-ease);
    transition-delay: var(--reveal-delay, 0s);
}
.ft-reveal.is-visible { opacity: 1; transform: translateY(0); }

@keyframes ft-spin { to { transform: rotate(360deg); } }
@keyframes ft-float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}
@keyframes ft-pulse {
    0%, 100% { transform: scale(1); opacity: 0.6; }
    50% { transform: scale(1.15); opacity: 1; }
}
@keyframes ft-blob {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(24px, -16px) scale(1.05); }
    66% { transform: translate(-16px, 12px) scale(0.95); }
}
@keyframes ft-marquee {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* ── Ripple ── */
.ft-ripple-host { position: relative; overflow: hidden; }
.ft-ripple {
    position: absolute;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.45);
    transform: scale(0);
    animation: ft-ripple 0.6s ease-out;
    pointer-events: none;
}
@keyframes ft-ripple {
    to { transform: scale(2.5); opacity: 0; }
}

/* ── Buttons ── */
.ft-btn,
.tlb-btn {
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 28px;
    border: none;
    border-radius: 14px;
    font-family: var(--ft-font);
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    text-decoration: none;
    transition: transform 0.25s var(--ft-ease), box-shadow 0.25s, background 0.25s;
}
.ft-btn svg, .tlb-btn svg { width: 18px; height: 18px; }
.ft-btn--primary,
.tlb-btn:not(.tlb-btn--outline):not(.tlb-btn--ghost-dark):not(.tlb-btn--gold) {
    background: linear-gradient(135deg, var(--ft-primary) 0%, var(--ft-primary-dark) 100%);
    color: #fff !important;
    box-shadow: 0 12px 32px rgba(37, 99, 235, 0.35);
}
.ft-btn--primary:hover,
.tlb-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 20px 48px rgba(37, 99, 235, 0.4);
}
.ft-btn--accent,
.tlb-btn--gold {
    background: linear-gradient(135deg, #FBBF24 0%, var(--ft-accent) 100%) !important;
    color: var(--ft-dark) !important;
    box-shadow: 0 12px 32px rgba(245, 158, 11, 0.35) !important;
}
.tlb-btn--outline {
    background: var(--ft-card) !important;
    color: var(--ft-primary) !important;
    border: 1px solid rgba(37, 99, 235, 0.25) !important;
    backdrop-filter: blur(12px);
    box-shadow: var(--ft-shadow) !important;
}
.tlb-btn--ghost-dark {
    background: rgba(255, 255, 255, 0.12) !important;
    color: #fff !important;
    border: 1px solid var(--ft-glass-border) !important;
    backdrop-filter: blur(12px);
    box-shadow: none !important;
}
.ft-btn--sm { padding: 10px 18px; font-size: 0.88rem; border-radius: 12px; }
.ft-btn--ghost {
    background: rgba(255, 255, 255, 0.1);
    color: #fff;
    border: 1px solid var(--ft-glass-border);
    backdrop-filter: blur(12px);
}

/* ── Glass card utility ── */
.ft-glass {
    background: var(--ft-card);
    backdrop-filter: blur(20px) saturate(1.4);
    -webkit-backdrop-filter: blur(20px) saturate(1.4);
    border: 1px solid rgba(255, 255, 255, 0.65);
    border-radius: var(--ft-radius);
    box-shadow: var(--ft-shadow);
}

/* ══════════════════════════════════════
   NAVBAR — Sticky Glass
   ══════════════════════════════════════ */
.ft-nav.navbar {
    background: rgba(248, 250, 252, 0.72) !important;
    backdrop-filter: blur(20px) saturate(1.5);
    -webkit-backdrop-filter: blur(20px) saturate(1.5);
    border-bottom: 1px solid rgba(226, 232, 240, 0.8);
    box-shadow: none !important;
    padding: 0 !important;
    transition: padding 0.35s var(--ft-ease), background 0.35s, box-shadow 0.35s;
}
.ft-nav.is-scrolled {
    background: rgba(255, 255, 255, 0.88) !important;
    box-shadow: 0 12px 40px rgba(15, 23, 42, 0.08) !important;
    padding: 0 !important;
}
.ft-nav__container.nav-container {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 24px;
    max-width: 1320px;
    padding: 14px 32px;
    transition: padding 0.35s var(--ft-ease);
}
.ft-nav.is-scrolled .ft-nav__container { padding: 10px 32px; }
.ft-nav__logo .company-logo {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    transition: transform 0.3s var(--ft-ease);
}
.ft-nav__logo:hover .company-logo { transform: scale(1.05); }
.ft-nav__logo .logo-text h1 {
    font-size: 1rem !important;
    font-weight: 800 !important;
    letter-spacing: -0.02em;
    background: linear-gradient(135deg, var(--ft-dark), var(--ft-primary-dark));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.ft-nav__logo .tagline { font-size: 0.68rem !important; color: var(--ft-text-muted) !important; }

.ft-nav__menu.nav-menu {
    display: flex;
    gap: 6px !important;
    margin: 0 !important;
}
.ft-nav__center { display: flex; justify-content: center; }
.ft-nav__link {
    position: relative;
    display: inline-flex !important;
    align-items: center;
    gap: 6px;
    padding: 10px 14px !important;
    border-radius: 12px !important;
    color: var(--ft-text-muted) !important;
    font-weight: 500 !important;
    font-size: 0.88rem !important;
    transition: color 0.2s, background 0.2s !important;
}
.ft-nav__link svg { width: 16px; height: 16px; opacity: 0.7; }
.ft-nav__link::after {
    content: '';
    position: absolute;
    bottom: 4px;
    left: 50%;
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--ft-primary), var(--ft-accent));
    border-radius: 2px;
    transform: translateX(-50%);
    transition: width 0.3s var(--ft-ease);
}
.ft-nav__link:hover,
.ft-nav__link.active {
    color: var(--ft-primary) !important;
    background: rgba(37, 99, 235, 0.08) !important;
}
.ft-nav__link.active::after,
.ft-nav__link:hover::after { width: 60%; }
.ft-nav__actions .login-btn {
    margin: 0 !important;
    border-radius: 12px !important;
}

.ft-nav__toggle.menu-toggle span {
    background: var(--ft-primary) !important;
}

/* ══════════════════════════════════════
   HERO — Premium FinTech
   ══════════════════════════════════════ */
.hp-hero--fintech {
    position: relative;
    padding: calc(var(--ft-nav-h) + 48px) 0 100px;
    background: linear-gradient(145deg, var(--ft-dark) 0%, #172554 45%, var(--ft-dark-mid) 100%);
    overflow: hidden;
}
.hp-hero--fintech::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at calc(50% + var(--mx, 0) * 80px) calc(30% + var(--my, 0) * 40px), rgba(37, 99, 235, 0.25), transparent 50%),
        radial-gradient(circle at 80% 80%, rgba(245, 158, 11, 0.12), transparent 40%);
    pointer-events: none;
}
.ft-hero__blob {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.5;
    animation: ft-blob 12s ease-in-out infinite;
    pointer-events: none;
}
.ft-hero__blob--1 { width: 420px; height: 420px; top: -80px; right: -60px; background: #3B82F6; }
.ft-hero__blob--2 { width: 300px; height: 300px; bottom: 10%; left: -80px; background: #F59E0B; animation-delay: -4s; }
.ft-hero__blob--3 { width: 200px; height: 200px; top: 40%; right: 30%; background: #6366F1; animation-delay: -8s; }

.hp-hero__grid--fintech {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: clamp(32px, 5vw, 64px);
    align-items: center;
}
.hp-hero--fintech .hp-badge {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid var(--ft-glass-border);
    backdrop-filter: blur(8px);
    color: #E2E8F0;
    padding: 8px 16px;
    font-size: 0.8rem;
}
.hp-hero--fintech h1 {
    font-size: clamp(2.4rem, 5vw, 3.75rem) !important;
    font-weight: 800 !important;
    letter-spacing: -0.03em;
    line-height: 1.08 !important;
    margin-bottom: 20px !important;
}
.hp-hero--fintech h1 .ft-gradient-text {
    background: linear-gradient(135deg, #FDE68A 0%, var(--ft-accent) 50%, #FBBF24 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.hp-hero--fintech .hp-lead {
    font-size: 1.05rem;
    max-width: 520px;
    line-height: 1.7;
    margin-bottom: 28px !important;
}
.ft-hero__calc-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 24px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.2);
    border: 1px solid rgba(96, 165, 250, 0.35);
    color: #BFDBFE;
    font-size: 0.78rem;
    font-weight: 600;
}
.ft-hero__calc-badge svg { width: 14px; height: 14px; color: var(--ft-accent); }

.hp-hero__stats--fintech {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 14px;
    margin-bottom: 28px;
}
.hp-hero__stats--fintech > div {
    padding: 16px 12px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid var(--ft-glass-border);
    backdrop-filter: blur(8px);
    transition: transform 0.3s var(--ft-ease), background 0.3s;
}
.hp-hero__stats--fintech > div:hover {
    transform: translateY(-4px);
    background: rgba(255, 255, 255, 0.1);
}
.hp-hero__stats--fintech strong {
    font-size: 1.35rem !important;
    font-weight: 800 !important;
}
.ft-hero__trust {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 20px;
    margin-top: 24px;
}
.ft-hero__trust span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.75);
    font-weight: 500;
}
.ft-hero__trust svg { width: 15px; height: 15px; color: #4ADE80; }

/* Hero visual */
.ft-hero__visual {
    position: relative;
    min-height: 480px;
}
.ft-hero__visual-main {
    position: relative;
    border-radius: var(--ft-radius-lg);
    overflow: hidden;
    box-shadow: 0 40px 100px rgba(0, 0, 0, 0.35);
    border: 1px solid var(--ft-glass-border);
    transform: perspective(1000px) rotateY(calc(var(--mx, 0) * -4deg)) rotateX(calc(var(--my, 0) * 4deg));
    transition: transform 0.15s ease-out;
}
.ft-hero__visual-main img {
    display: block;
    width: 100%;
    height: 440px;
    object-fit: cover;
    object-position: center top;
}
.ft-hero__visual-glow {
    position: absolute;
    inset: -20%;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.3), transparent 60%);
    pointer-events: none;
}

.ft-float-card {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 16px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.8);
    box-shadow: 0 20px 50px rgba(15, 23, 42, 0.15);
    animation: ft-float 4s ease-in-out infinite;
    z-index: 3;
    max-width: 220px;
}
.ft-float-card svg { width: 20px; height: 20px; flex-shrink: 0; }
.ft-float-card strong { display: block; font-size: 0.82rem; color: var(--ft-dark); }
.ft-float-card span { font-size: 0.72rem; color: var(--ft-text-muted); }
.ft-float-card--approval { top: 8%; right: -8%; color: #16A34A; }
.ft-float-card--rating { bottom: 28%; left: -10%; }
.ft-float-card--rating svg { color: var(--ft-accent); fill: var(--ft-accent); }
.ft-float-card--transfer { bottom: 6%; right: 4%; }
.ft-float-card--transfer svg { color: var(--ft-primary); }
.ft-float-card__icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, #EFF6FF, #DBEAFE);
}

/* ══════════════════════════════════════
   STATS SECTION
   ══════════════════════════════════════ */
.ft-stats {
    padding: 80px 0;
    background: var(--ft-bg);
    position: relative;
}
.ft-stats::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 50% 0%, rgba(37, 99, 235, 0.06), transparent 50%);
    pointer-events: none;
}
.ft-stats__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}
.ft-stat-card {
    text-align: center;
    padding: 36px 24px;
    border-radius: var(--ft-radius);
    background: var(--ft-card);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(226, 232, 240, 0.8);
    box-shadow: var(--ft-shadow);
    transition: transform 0.35s var(--ft-ease), box-shadow 0.35s;
}
.ft-stat-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--ft-shadow-lg);
}
.ft-stat-card__icon {
    width: 56px;
    height: 56px;
    margin: 0 auto 16px;
    border-radius: 16px;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, var(--ft-primary), var(--ft-primary-dark));
    color: #fff;
    box-shadow: 0 12px 28px rgba(37, 99, 235, 0.3);
}
.ft-stat-card__icon svg { width: 26px; height: 26px; }
.ft-stat-card__num {
    display: block;
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--ft-dark);
    line-height: 1.1;
}
.ft-stat-card__label {
    display: block;
    margin-top: 8px;
    font-size: 0.88rem;
    color: var(--ft-text-muted);
    font-weight: 500;
}

/* ══════════════════════════════════════
   LOAN CATEGORIES
   ══════════════════════════════════════ */
.ft-categories {
    padding: 100px 0;
    background: linear-gradient(180deg, #fff 0%, var(--ft-bg) 100%);
}
.ft-categories__grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
}
.ft-category-card {
    position: relative;
    padding: 28px 20px;
    border-radius: var(--ft-radius);
    background: var(--ft-card);
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: var(--ft-shadow);
    text-align: center;
    text-decoration: none;
    color: inherit;
    overflow: hidden;
    transition: transform 0.35s var(--ft-ease), box-shadow 0.35s, border-color 0.35s;
}
.ft-category-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.08), transparent);
    opacity: 0;
    transition: opacity 0.35s;
}
.ft-category-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--ft-shadow-lg);
    border-color: rgba(37, 99, 235, 0.3);
}
.ft-category-card:hover::before { opacity: 1; }
.ft-category-card--featured {
    border-color: rgba(37, 99, 235, 0.35);
    background: linear-gradient(180deg, rgba(239, 246, 255, 0.95), rgba(255, 255, 255, 0.9));
}
.ft-category-card__icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 16px;
    border-radius: 20px;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, var(--ft-primary), #60A5FA);
    color: #fff;
    box-shadow: 0 16px 32px rgba(37, 99, 235, 0.25);
    transition: transform 0.35s var(--ft-ease);
}
.ft-category-card:hover .ft-category-card__icon { transform: scale(1.08) rotate(-3deg); }
.ft-category-card__icon svg { width: 28px; height: 28px; }
.ft-category-card h3 {
    margin: 0 0 8px;
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--ft-dark);
}
.ft-category-card p {
    margin: 0 0 14px;
    font-size: 0.78rem;
    color: var(--ft-text-muted);
    line-height: 1.5;
}
.ft-category-card__cta {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--ft-primary);
}
.ft-category-card__badge {
    position: absolute;
    top: 12px;
    right: 12px;
    padding: 4px 8px;
    border-radius: 6px;
    background: var(--ft-accent);
    color: var(--ft-dark);
    font-size: 0.62rem;
    font-weight: 700;
    text-transform: uppercase;
}

/* ══════════════════════════════════════
   TIMELINE — How It Works
   ══════════════════════════════════════ */
.ft-timeline {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    position: relative;
    padding-top: 24px;
}
.ft-timeline::before {
    content: '';
    position: absolute;
    top: 52px;
    left: 16.66%;
    right: 16.66%;
    height: 3px;
    background: linear-gradient(90deg, var(--ft-primary), var(--ft-accent), var(--ft-primary));
    border-radius: 3px;
    opacity: 0.35;
}
.ft-timeline__step {
    position: relative;
    padding: 0 20px;
    text-align: center;
}
.ft-timeline__circle {
    width: 72px;
    height: 72px;
    margin: 0 auto 24px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, var(--ft-primary), var(--ft-primary-dark));
    color: #fff;
    font-size: 1.5rem;
    font-weight: 800;
    box-shadow: 0 16px 40px rgba(37, 99, 235, 0.35);
    border: 4px solid #fff;
    position: relative;
    z-index: 2;
    transition: transform 0.35s var(--ft-ease);
}
.ft-timeline__step:hover .ft-timeline__circle { transform: scale(1.1); }
.ft-timeline__card {
    padding: 28px 22px;
    border-radius: var(--ft-radius);
    background: var(--ft-card);
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: var(--ft-shadow);
    transition: transform 0.35s var(--ft-ease), box-shadow 0.35s;
}
.ft-timeline__step:hover .ft-timeline__card {
    transform: translateY(-6px);
    box-shadow: var(--ft-shadow-lg);
}
.ft-timeline__card svg {
    width: 28px;
    height: 28px;
    color: var(--ft-primary);
    margin-bottom: 12px;
}
.ft-timeline__card h3 {
    margin: 0 0 10px;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--ft-dark);
}
.ft-timeline__card p {
    margin: 0;
    font-size: 0.86rem;
    color: var(--ft-text-muted);
    line-height: 1.6;
}

/* ══════════════════════════════════════
   SECTIONS — Global polish
   ══════════════════════════════════════ */
.container { max-width: 1280px; padding: 0 32px; }
.hp-section { padding: 100px 0 !important; }
.hp-section--gray {
    background: linear-gradient(180deg, #F1F5F9 0%, var(--ft-bg) 100%) !important;
}
.hp-section--blue {
    background: linear-gradient(145deg, var(--ft-dark) 0%, var(--ft-dark-mid) 100%) !important;
    position: relative;
    overflow: hidden;
}
.hp-section--blue::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 20% 50%, rgba(37, 99, 235, 0.2), transparent 50%);
    pointer-events: none;
}
.hp-section__head { margin-bottom: 56px !important; }
.hp-section__head h2 {
    font-size: clamp(1.8rem, 3.5vw, 2.5rem) !important;
    font-weight: 800 !important;
    letter-spacing: -0.03em !important;
}
.hp-eyebrow {
    display: inline-block;
    padding: 6px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.1);
    color: var(--ft-primary);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 14px;
}
.hp-eyebrow--light {
    background: rgba(255, 255, 255, 0.12);
    color: #BFDBFE;
}

/* Trust bar */
.hp-trust {
    padding: 32px 0 !important;
    background: #fff !important;
    border-bottom: 1px solid #E2E8F0;
}
.hp-trust__item {
    padding: 16px !important;
    border-radius: 16px;
    transition: background 0.25s, transform 0.25s;
}
.hp-trust__item:hover {
    background: rgba(37, 99, 235, 0.04);
    transform: translateY(-2px);
}
.hp-trust__item i,
.hp-trust__item svg {
    color: var(--ft-primary) !important;
    font-size: 1.5rem;
}

/* Product card */
.hp-product--featured {
    border-radius: var(--ft-radius-lg) !important;
    background: var(--ft-card) !important;
    backdrop-filter: blur(16px);
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    box-shadow: var(--ft-shadow) !important;
    padding: 40px 36px !important;
}
.hp-product__icon {
    width: 64px;
    height: 64px;
    border-radius: 18px;
    background: linear-gradient(135deg, var(--ft-primary), #60A5FA);
    display: grid;
    place-items: center;
    color: #fff;
    margin-bottom: 20px;
    box-shadow: 0 12px 28px rgba(37, 99, 235, 0.3);
}

/* Partners marquee */
.hp-partners-marquee {
    padding: 24px 0;
    mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.hp-partners-marquee__item {
    transition: transform 0.3s var(--ft-ease);
}
.hp-partners-marquee__item:hover { transform: scale(1.06); }
.hp-partners-marquee__logo {
    background: var(--ft-card) !important;
    backdrop-filter: blur(12px);
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    border-radius: 16px !important;
    box-shadow: var(--ft-shadow) !important;
    padding: 20px 28px !important;
}
.ft-partners__meta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    margin-bottom: 32px;
    flex-wrap: wrap;
}
.ft-partners__badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 18px;
    border-radius: 999px;
    background: rgba(22, 163, 74, 0.1);
    color: #16A34A;
    font-size: 0.82rem;
    font-weight: 600;
}
.ft-partners__badge svg { width: 16px; height: 16px; }

/* Why choose */
.hp-why__item {
    padding: 28px 22px !important;
    border-radius: var(--ft-radius) !important;
    background: rgba(255, 255, 255, 0.06) !important;
    border: 1px solid var(--ft-glass-border) !important;
    backdrop-filter: blur(12px);
    transition: transform 0.35s var(--ft-ease), background 0.35s !important;
}
.hp-why__item:hover {
    transform: translateY(-6px) !important;
    background: rgba(255, 255, 255, 0.1) !important;
}
.hp-why__item i,
.hp-why__item svg {
    font-size: 1.8rem !important;
    color: var(--ft-accent) !important;
}

/* Stories */
.ft-story-card,
.hp-story-card {
    border-radius: var(--ft-radius) !important;
    overflow: hidden;
    background: var(--ft-card);
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: var(--ft-shadow);
    transition: transform 0.35s var(--ft-ease), box-shadow 0.35s;
}
.ft-story-card:hover,
.hp-story-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--ft-shadow-lg);
}

/* Reviews */
.hp-reviews { padding: 100px 0 !important; }
.hp-reviews__summary {
    flex-wrap: wrap;
    align-items: center;
    gap: 20px;
    padding: 28px 32px !important;
    border-radius: var(--ft-radius) !important;
    background: var(--ft-card) !important;
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    box-shadow: var(--ft-shadow) !important;
}
.hp-reviews__stars [data-lucide="star"],
.hp-review-card__stars [data-lucide="star"] {
    color: #FBBF24;
    fill: #FBBF24;
    width: 16px;
    height: 16px;
}
.hp-product__points [data-lucide="check"] {
    width: 16px;
    height: 16px;
    color: #16A34A;
    flex-shrink: 0;
}
.hp-trust__item [data-lucide] {
    width: 28px;
    height: 28px;
    color: var(--ft-primary);
}
.hp-review-card {
    border-radius: var(--ft-radius) !important;
    background: var(--ft-card) !important;
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    backdrop-filter: blur(8px);
    padding: 24px !important;
}
.hp-review-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--ft-shadow-lg) !important;
}
.hp-reviews-slider__nav {
    background: var(--ft-card) !important;
    border: 1px solid #E2E8F0 !important;
    box-shadow: var(--ft-shadow) !important;
    color: var(--ft-primary) !important;
}
.ft-review-video-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 16px;
    padding: 10px 18px;
    border-radius: 12px;
    background: rgba(37, 99, 235, 0.08);
    border: 1px solid rgba(37, 99, 235, 0.2);
    color: var(--ft-primary) !important;
    font-size: 0.82rem;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none !important;
    transition: background 0.25s, transform 0.25s;
}
.ft-review-video-btn:hover {
    background: rgba(37, 99, 235, 0.14);
    transform: translateY(-2px);
}
.ft-review-video-btn svg { width: 16px; height: 16px; }

/* EMI Calculator */
.emi-section {
    padding: 100px 0 !important;
    background: linear-gradient(180deg, var(--ft-bg) 0%, #EFF6FF 100%) !important;
}
.emi-wrap {
    gap: 32px !important;
}
.emi-panel,
.emi-result {
    border-radius: var(--ft-radius-lg) !important;
    background: var(--ft-card) !important;
    backdrop-filter: blur(20px) !important;
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    box-shadow: var(--ft-shadow) !important;
    padding: 32px !important;
}
.emi-panel input[type="range"] {
    accent-color: var(--ft-primary);
    height: 8px;
}
.emi-value {
    font-size: clamp(2rem, 4vw, 2.8rem) !important;
    font-weight: 800 !important;
    background: linear-gradient(135deg, var(--ft-primary), var(--ft-primary-dark));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.ft-emi-chart {
    position: relative;
    width: 140px;
    height: 140px;
    margin: 0 auto 20px;
}
.ft-emi-chart svg { transform: rotate(-90deg); }
.ft-emi-chart__label {
    position: absolute;
    inset: 0;
    display: grid;
    place-items: center;
    text-align: center;
    font-size: 0.72rem;
    font-weight: 600;
    color: var(--ft-text-muted);
}
.ft-emi-chart__label strong {
    display: block;
    font-size: 1.1rem;
    color: var(--ft-dark);
}

/* FAQ */
.hp-faq__item {
    border-radius: 16px !important;
    background: var(--ft-card) !important;
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    margin-bottom: 12px !important;
    overflow: hidden;
    box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);
    transition: box-shadow 0.3s;
}
.hp-faq__item[open] {
    box-shadow: var(--ft-shadow);
    border-color: rgba(37, 99, 235, 0.2) !important;
}
.hp-faq__item summary {
    padding: 20px 24px !important;
    font-weight: 600 !important;
    cursor: pointer;
    list-style: none;
    display: flex;
    align-items: center;
    gap: 12px;
}
.hp-faq__item summary::before {
    content: '';
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--ft-primary);
    flex-shrink: 0;
}
.hp-faq__item summary::-webkit-details-marker { display: none; }
.hp-faq__item p {
    padding: 0 24px 20px 44px !important;
    color: var(--ft-text-muted);
    line-height: 1.65;
}

/* CTA */
.hp-cta {
    padding: 80px 0 !important;
    background: linear-gradient(135deg, var(--ft-dark) 0%, var(--ft-dark-mid) 100%) !important;
}
.hp-cta__inner {
    padding: 48px 56px !important;
    border-radius: var(--ft-radius-lg) !important;
    background: rgba(255, 255, 255, 0.06) !important;
    border: 1px solid var(--ft-glass-border) !important;
    backdrop-filter: blur(16px);
}

.emi-page { padding-top: 0; }
.apply-page,
.partner-page,
.banks-page {
    padding: calc(var(--ft-nav-h) + 48px) 0 80px !important;
    background: linear-gradient(180deg, #EFF6FF 0%, var(--ft-bg) 100%) !important;
    min-height: 70vh;
}
.hp-form-card,
.tlb-card {
    border-radius: var(--ft-radius-lg) !important;
    background: var(--ft-card) !important;
    backdrop-filter: blur(20px) !important;
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    box-shadow: var(--ft-shadow-lg) !important;
    padding: 36px !important;
}
.tlb-field input {
    border-radius: 12px !important;
    border: 1.5px solid #E2E8F0 !important;
    padding: 14px 16px !important;
    transition: border-color 0.2s, box-shadow 0.2s !important;
}
.tlb-field input:focus {
    border-color: var(--ft-primary) !important;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12) !important;
    outline: none;
}
.tlb-alert--ok {
    border-radius: 12px;
    background: rgba(22, 163, 74, 0.1);
    border: 1px solid rgba(22, 163, 74, 0.25);
    color: #15803D;
    padding: 14px 16px;
}
.tlb-alert--err {
    border-radius: 12px;
    background: rgba(239, 68, 68, 0.08);
    border: 1px solid rgba(239, 68, 68, 0.25);
    color: #DC2626;
    padding: 14px 16px;
}

/* Banks grid */
.tlb-bank {
    border-radius: var(--ft-radius) !important;
    background: var(--ft-card) !important;
    border: 1px solid rgba(226, 232, 240, 0.9) !important;
    box-shadow: var(--ft-shadow) !important;
    transition: transform 0.35s var(--ft-ease), box-shadow 0.35s !important;
    padding: 28px 22px !important;
}
.tlb-bank:hover {
    transform: translateY(-8px) !important;
    box-shadow: var(--ft-shadow-lg) !important;
    border-color: rgba(37, 99, 235, 0.25) !important;
}

/* WhatsApp float */
.tlb-whatsapp-float {
    border-radius: 16px !important;
    background: linear-gradient(135deg, #25D366, #128C7E) !important;
    color: #fff !important;
    box-shadow: 0 16px 40px rgba(37, 211, 102, 0.4) !important;
    transition: transform 0.3s var(--ft-ease) !important;
}
.tlb-whatsapp-float [data-lucide] {
    width: 24px;
    height: 24px;
    color: #fff;
}
.tlb-whatsapp-float:hover { transform: translateY(-4px) scale(1.02) !important; }

/* ══════════════════════════════════════
   FOOTER
   ══════════════════════════════════════ */
.ft-footer {
    position: relative;
    background: linear-gradient(165deg, var(--ft-dark) 0%, #0C1A3A 50%, var(--ft-dark-mid) 100%) !important;
    color: rgba(255, 255, 255, 0.85);
    padding: 80px 0 32px !important;
    overflow: hidden;
}
.ft-footer__bg { position: absolute; inset: 0; pointer-events: none; }
.ft-footer__blob {
    position: absolute;
    border-radius: 50%;
    filter: blur(100px);
    opacity: 0.25;
}
.ft-footer__blob--1 { width: 400px; height: 400px; top: -100px; right: -100px; background: #3B82F6; }
.ft-footer__blob--2 { width: 300px; height: 300px; bottom: -80px; left: -60px; background: #F59E0B; }
.ft-footer__container { position: relative; z-index: 1; }
.ft-footer__top {
    display: grid;
    grid-template-columns: 1.4fr repeat(4, 1fr);
    gap: 40px;
    margin-bottom: 48px;
}
.ft-footer__brand-head {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
    color: #fff;
    margin-bottom: 16px;
}
.ft-footer__brand-head img { border-radius: 14px; }
.ft-footer__brand-head strong { display: block; font-size: 1rem; }
.ft-footer__brand-head small { font-size: 0.72rem; opacity: 0.65; }
.ft-footer__tagline {
    font-size: 0.88rem;
    line-height: 1.65;
    opacity: 0.75;
    margin-bottom: 20px;
    max-width: 320px;
}
.ft-footer__social {
    display: flex;
    gap: 10px;
}
.ft-footer__social a {
    width: 42px;
    height: 42px;
    border-radius: 12px;
    display: grid;
    place-items: center;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid var(--ft-glass-border);
    color: #fff;
    transition: background 0.25s, transform 0.25s;
}
.ft-footer__social a:hover {
    background: rgba(255, 255, 255, 0.15);
    transform: translateY(-3px);
}
.ft-footer__social svg { width: 18px; height: 18px; }
.ft-footer__col h4 {
    font-size: 0.82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 18px;
    color: #fff;
}
.ft-footer__nav {
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.ft-footer__nav a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-size: 0.88rem;
    transition: color 0.2s, transform 0.2s;
}
.ft-footer__nav a:hover { color: #fff; transform: translateX(4px); }
.ft-footer__contact-item {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    padding: 12px 0;
    text-decoration: none;
    color: inherit;
    transition: opacity 0.2s;
}
.ft-footer__contact-item:hover { opacity: 0.9; }
.ft-footer__contact-item svg { width: 18px; height: 18px; color: var(--ft-accent); flex-shrink: 0; margin-top: 2px; }
.ft-footer__contact-item strong { display: block; font-size: 0.88rem; color: #fff; }
.ft-footer__contact-item em { font-style: normal; font-size: 0.78rem; opacity: 0.65; }
.ft-newsletter {
    display: flex;
    gap: 8px;
    margin: 12px 0 20px;
}
.ft-newsletter input {
    flex: 1;
    padding: 12px 14px;
    border-radius: 12px;
    border: 1px solid var(--ft-glass-border);
    background: rgba(255, 255, 255, 0.08);
    color: #fff;
    font-family: var(--ft-font);
    font-size: 0.88rem;
}
.ft-newsletter input::placeholder { color: rgba(255, 255, 255, 0.45); }
.ft-newsletter input:focus {
    outline: none;
    border-color: rgba(37, 99, 235, 0.5);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.2);
}
.ft-footer__app-label {
    display: block;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    opacity: 0.6;
    margin-bottom: 10px;
}
.ft-footer__app-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.ft-app-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 12px;
    border-radius: 10px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid var(--ft-glass-border);
    font-size: 0.75rem;
    opacity: 0.85;
}
.ft-app-badge svg { width: 14px; height: 14px; }
.ft-footer__trust {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 16px;
    padding: 24px 0;
    border-top: 1px solid var(--ft-glass-border);
    border-bottom: 1px solid var(--ft-glass-border);
    margin-bottom: 24px;
}
.ft-trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 16px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid var(--ft-glass-border);
    font-size: 0.78rem;
    font-weight: 500;
}
.ft-trust-badge svg { width: 16px; height: 16px; color: #4ADE80; }
.ft-footer__bottom {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    font-size: 0.82rem;
    opacity: 0.65;
}
.ft-footer__legal a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    margin: 0 8px;
}
.ft-footer__legal a:hover { color: #fff; }

/* Lucide icon sizing in legacy FA spots */
[data-lucide] { display: inline-block; vertical-align: middle; }

/* Hide old footer blocks replaced by ft-footer */
.ft-footer .site-footer__cta,
.ft-footer .site-footer__grid,
.ft-footer .footer-content { display: none; }

/* ══════════════════════════════════════
   RESPONSIVE
   ══════════════════════════════════════ */
@media (max-width: 1100px) {
    .ft-nav__container { grid-template-columns: auto 1fr auto; }
    .ft-nav__menu.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: 16px;
        border-radius: var(--ft-radius);
        box-shadow: var(--ft-shadow-lg);
        z-index: 1090;
        gap: 4px !important;
    }
    .ft-nav__center { display: contents; }
    .ft-nav__actions { justify-self: end; }
    .ft-categories__grid { grid-template-columns: repeat(2, 1fr); }
    .ft-footer__top { grid-template-columns: 1fr 1fr; }
    .hp-hero__grid--fintech { grid-template-columns: 1fr; }
    .ft-hero__visual { min-height: 360px; margin-top: 32px; }
    .ft-float-card--approval { right: 0; }
    .ft-float-card--rating { left: 0; }
}

@media (max-width: 900px) {
    .ft-stats__grid { grid-template-columns: repeat(2, 1fr); }
    .ft-timeline { grid-template-columns: 1fr; gap: 32px; }
    .ft-timeline::before { display: none; }
    .hp-hero__stats--fintech { grid-template-columns: repeat(2, 1fr); }
    .ft-footer__top { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
    .container { padding: 0 20px; }
    .ft-categories__grid { grid-template-columns: 1fr; }
    .ft-stats__grid { grid-template-columns: 1fr; }
    .hp-cta__inner { padding: 32px 24px !important; }
    .ft-scroll-top { right: 16px; bottom: 88px; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
    .ft-reveal { opacity: 1; transform: none; }
}