:root {
      --navy:   #0445a0;
      --sky:    #2596be;
      --white:  #ffffff;
      --off:    #f4f8fc;
      --light:  #e8f4fb;
      --muted:  #5a7a96;
      --border: rgba(4,69,160,0.12);
      --shadow: 0 4px 32px rgba(4,69,160,0.10);
    }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body { font-family: 'Nunito Sans', sans-serif; color: #1a2b3c; background: var(--white); overflow-x: hidden; }
    h1,h2,h3,h4,h5,h6 { font-family: 'Open Sans', sans-serif; }

    /* ── TOP BAR ─────────────────────────── */
    .top-bar {
      background: var(--navy);
      color: rgba(255,255,255,0.75);
      font-size: 0.78rem;
      padding: 0.45rem 0;
    }
    .top-bar a { color: rgba(255,255,255,0.75); text-decoration: none; transition: color .2s; }
    .top-bar a:hover { color: #fff; }
    .top-bar .divider { opacity: 0.3; margin: 0 0.6rem; }

    /* ── NAVBAR ──────────────────────────── */
    .navbar {
      background: var(--white);
      border-bottom: 2px solid var(--light);
      padding: 0;
      position: sticky; top: 0; z-index: 999;
      box-shadow: 0 2px 20px rgba(4,69,160,0.08);
    }



    .navbar-inner { padding: 0.6rem 0; }
    .navbar-brand { display: flex; align-items: center; gap: 0.75rem; text-decoration: none; }
    
    .navbar-brand .logo {
    height: 65px; /* Adjust as needed */
    width: auto;
    display: block;
}
    
    .brand-text { line-height: 1.15; }
    .brand-text .name {
      font-family: 'Open Sans', sans-serif;
      font-weight: 800; font-size: 1.35rem;
      color: var(--navy); letter-spacing: -0.02em;
    }
    .brand-text .name span { color: var(--sky); }
    .brand-text .sub { font-size: 0.65rem; color: var(--muted); font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; }

    .nav-link {
      font-weight: 600; font-size: 0.875rem;
      color: #1a2b3c !important; padding: 1.5rem 0.85rem !important;
      position: relative; transition: color .2s;
    }
    .nav-link::after {
      content: ''; position: absolute; bottom: 0; left: 0.85rem; right: 0.85rem; height: 3px;
      background: var(--sky); border-radius: 2px 2px 0 0; transform: scaleX(0); transition: transform .2s;
    }
    .nav-link:hover, .nav-link.active { color: var(--navy) !important; }
    .nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }

    .dropdown-menu {
      border: 1px solid var(--border); border-radius: 12px;
      box-shadow: var(--shadow); padding: 0.5rem; min-width: 220px;
    }
    .dropdown-item {
      border-radius: 8px; font-size: 0.875rem; font-weight: 600;
      padding: 0.6rem 1rem; color: #1a2b3c; transition: background .15s, color .15s;
    }
    .dropdown-item:hover { background: var(--light); color: var(--navy); }
    .dropdown-item i { width: 20px; color: var(--sky); }

    .btn-apply {
      background: var(--navy); color: var(--white) !important;
      border-radius: 8px; font-size: 0.875rem; font-weight: 700;
      padding: 0.6rem 1.4rem !important; transition: background .2s, transform .15s;
      border: none; white-space: nowrap;
    }
    .btn-apply:hover { background: var(--sky); transform: translateY(-1px); }
    .navbar-toggler { border: 1.5px solid var(--border); border-radius: 8px; padding: 0.3rem 0.6rem; }

    /* ── HERO ────────────────────────────── */
    .hero {
      background: linear-gradient(135deg, var(--navy) 0%, #0557c4 55%, var(--sky) 100%);
      color: var(--white); position: relative; overflow: hidden;
      padding: 5.5rem 0 4rem;
    }
    .hero-pattern {
      position: absolute; inset: 0; pointer-events: none;
      background-image:
        radial-gradient(circle at 80% 20%, rgba(37,150,190,0.3) 0%, transparent 50%),
        radial-gradient(circle at 10% 80%, rgba(255,255,255,0.05) 0%, transparent 40%);
    }
    .hero-geo {
      position: absolute; right: -80px; top: -80px;
      width: 480px; height: 480px;
      border: 60px solid rgba(255,255,255,0.04);
      border-radius: 50%; pointer-events: none;
    }
    .hero-geo2 {
      position: absolute; right: 60px; top: 60px;
      width: 280px; height: 280px;
      border: 30px solid rgba(255,255,255,0.05);
      border-radius: 50%; pointer-events: none;
    }
    .nbfc-badge {
      display: inline-flex; align-items: center; gap: 0.5rem;
      background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.22);
      border-radius: 100px; padding: 0.35rem 1rem; font-size: 0.75rem;
      font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
      color: rgba(255,255,255,0.9); margin-bottom: 1.25rem;
    }
    .hero h1 {
      font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 800;
      line-height: 1.1; letter-spacing: -0.03em; margin-bottom: 1.25rem;
    }
    .hero h1 span { color: #7dd8f8; }
    .hero .lead {
      font-size: 1.05rem; color: rgba(255,255,255,0.75);
      max-width: 500px; line-height: 1.75; margin-bottom: 2rem;
      font-weight: 400;
    }
    .btn-hero-primary {
      background: var(--white); color: var(--navy);
      border-radius: 8px; font-weight: 800; font-size: 0.95rem;
      padding: 0.85rem 2rem; text-decoration: none;
      display: inline-flex; align-items: center; gap: 0.5rem;
      transition: transform .2s, box-shadow .2s; border: none;
    }
    .btn-hero-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,0.2); color: var(--navy); }
    .btn-hero-outline {
      border: 2px solid rgba(255,255,255,0.35); color: var(--white);
      border-radius: 8px; font-weight: 700; font-size: 0.95rem;
      padding: 0.85rem 1.75rem; text-decoration: none;
      display: inline-flex; align-items: center; gap: 0.5rem;
      transition: border-color .2s, background .2s;
    }
    .btn-hero-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); color: var(--white); }

    /* Hero stat cards */
    .hero-stats {
      display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.5rem;
    }
    .h-stat {
      background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18);
      border-radius: 12px; padding: 0.75rem 1.25rem;
    }
    .h-stat .val { font-family: 'Open Sans', sans-serif; font-size: 1.5rem; font-weight: 800; }
    .h-stat .lbl { font-size: 0.72rem; opacity: 0.65; text-transform: uppercase; letter-spacing: 0.06em; }

    /* EMI Calculator card */
    .emi-card {
      background: var(--white); border-radius: 20px;
      padding: 2rem; box-shadow: 0 24px 60px rgba(4,69,160,0.25);
      position: relative; z-index: 2;
    }
    .emi-card h5 {
      font-family: 'Open Sans', sans-serif; font-weight: 700;
      color: var(--navy); margin-bottom: 1.25rem; font-size: 1.15rem;
    }
    .form-label { font-size: 0.78rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; }
    .form-select, .form-range { color: var(--navy); }
    .form-select {
      border: 1.5px solid var(--border); border-radius: 8px;
      font-size: 0.9rem; font-weight: 600; padding: 0.6rem 0.9rem;
    }
    .form-select:focus { border-color: var(--sky); box-shadow: 0 0 0 3px rgba(37,150,190,0.15); }
    .form-range::-webkit-slider-thumb { background: var(--navy); }
    .emi-result {
      background: linear-gradient(135deg, var(--navy), var(--sky));
      color: var(--white); border-radius: 12px; padding: 1.25rem;
      text-align: center; margin-top: 1.25rem;
    }
    .emi-result .amount {
      font-family: 'Open Sans', sans-serif; font-size: 2rem;
      font-weight: 800; letter-spacing: -0.03em;
    }
    .emi-result .label { font-size: 0.78rem; opacity: 0.8; margin-top: 0.2rem; }
    .range-val { font-weight: 700; color: var(--navy); font-size: 0.95rem; }

    /* ── TRUST BAR ───────────────────────── */
    .trust-bar {
      background: var(--off); border-bottom: 1px solid var(--border);
      padding: 1.4rem 0;
    }
    .trust-item {
      display: flex; align-items: center; gap: 0.6rem;
      font-size: 0.82rem; font-weight: 700; color: var(--navy);
    }
    .trust-item i { font-size: 1.1rem; color: var(--sky); }

    /* ── SECTION COMMONS ─────────────────── */
    section { padding: 5.5rem 0; }
    .section-eyebrow {
      display: inline-block; font-size: 0.72rem; font-weight: 800;
      text-transform: uppercase; letter-spacing: 0.12em;
      color: var(--sky); margin-bottom: 0.6rem;
    }
    .section-title { font-weight: 800; font-size: clamp(1.8rem, 3.5vw, 2.6rem); line-height: 1.15; letter-spacing: -0.03em; color: var(--navy); }
    .section-body { font-size: 1rem; color: var(--muted); line-height: 1.75; }
    .divider-line { width: 50px; height: 4px; background: var(--sky); border-radius: 2px; margin: 1rem 0; }

    /* ── PRODUCTS ────────────────────────── */
    #products { background: var(--white); }
    .product-card {
      border: 1.5px solid var(--border); border-radius: 16px;
      padding: 2rem 1.5rem; height: 100%;
      transition: transform .25s, box-shadow .25s, border-color .25s;
      background: var(--white); cursor: pointer; position: relative; overflow: hidden;
    }
    .product-card::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
      background: linear-gradient(90deg, var(--navy), var(--sky));
      transform: scaleX(0); transition: transform .3s; transform-origin: left;
    }
    .product-card:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(4,69,160,0.12); border-color: var(--sky); }
    .product-card:hover::before { transform: scaleX(1); }
    .product-icon {
      width: 56px; height: 56px; border-radius: 14px;
      background: var(--light); display: flex; align-items: center; justify-content: center;
      font-size: 1.5rem; color: var(--navy); margin-bottom: 1.25rem;
      transition: background .25s;
    }
    .product-card:hover .product-icon { background: var(--navy); color: var(--white); }
    .product-card h5 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
    .product-card p { font-size: 0.875rem; color: var(--muted); line-height: 1.65; margin: 0; }
    .product-card .rate {
      display: inline-block; margin-top: 1rem;
      background: var(--light); color: var(--navy);
      font-size: 0.78rem; font-weight: 800; padding: 0.3rem 0.75rem;
      border-radius: 100px; letter-spacing: 0.02em;
    }
    .product-card .apply-link {
      display: inline-flex; align-items: center; gap: 0.3rem;
      font-size: 0.85rem; font-weight: 700; color: var(--sky);
      text-decoration: none; margin-top: 1rem; transition: gap .2s;
    }
    .product-card .apply-link:hover { gap: 0.55rem; }

    /* ── WHY SMPL ────────────────────────── */
    #why { background: var(--off); }
    .why-card {
      background: var(--white); border-radius: 16px;
      padding: 2rem; border: 1px solid var(--border); height: 100%;
      transition: box-shadow .25s;
    }
    .why-card:hover { box-shadow: var(--shadow); }
    .why-icon {
      width: 52px; height: 52px; background: linear-gradient(135deg, var(--navy), var(--sky));
      border-radius: 14px; display: flex; align-items: center; justify-content: center;
      font-size: 1.3rem; color: var(--white); margin-bottom: 1rem;
    }
    .why-card h5 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.4rem; }
    .why-card p { font-size: 0.875rem; color: var(--muted); line-height: 1.65; margin: 0; }

    /* ── PROCESS ─────────────────────────── */
    #process { background: var(--white); }
    .process-step { text-align: center; padding: 1.5rem 1rem; position: relative; }
    .step-circle {
      width: 64px; height: 64px; border-radius: 50%;
      background: linear-gradient(135deg, var(--navy), var(--sky));
      color: var(--white); font-family: 'Open Sans', sans-serif;
      font-weight: 800; font-size: 1.4rem;
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 1.25rem; box-shadow: 0 8px 24px rgba(4,69,160,0.25);
    }
    .process-step h6 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 0.4rem; }
    .process-step p { font-size: 0.825rem; color: var(--muted); line-height: 1.6; }
    .step-connector {
      position: absolute; top: 2.5rem; right: -15%; width: 30%; height: 2px;
      background: linear-gradient(90deg, var(--sky), var(--light));
    }
    .process-step:last-child .step-connector { display: none; }

    /* ── ABOUT ───────────────────────────── */
    #about { background: linear-gradient(135deg, var(--navy) 0%, #0557c4 60%, var(--sky) 100%); color: var(--white); }
    .about-stat { text-align: center; padding: 1rem; }
    .about-stat .num {
      font-family: 'Open Sans', sans-serif; font-size: 2.5rem;
      font-weight: 800; letter-spacing: -0.04em; color: #7dd8f8;
    }
    .about-stat .lbl { font-size: 0.8rem; opacity: 0.7; text-transform: uppercase; letter-spacing: 0.08em; }
    .about-divider { border-color: rgba(255,255,255,0.15); }
    .feature-check { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 0.85rem; }
    .feature-check i { color: #7dd8f8; font-size: 1.1rem; margin-top: 0.1rem; flex-shrink: 0; }
    .feature-check span { font-size: 0.9rem; color: rgba(255,255,255,0.85); line-height: 1.6; }

    /* ── TESTIMONIALS ────────────────────── */
    #testimonials { background: var(--off); }
    .testi-card {
      background: var(--white); border: 1px solid var(--border);
      border-radius: 16px; padding: 2rem; height: 100%;
    }
    .testi-card .stars { color: #f5a623; font-size: 0.85rem; margin-bottom: 1rem; }
    .testi-card blockquote { font-size: 0.9rem; color: #2d3e50; line-height: 1.75; margin-bottom: 1.5rem; font-style: italic; }
    .testi-author { display: flex; align-items: center; gap: 0.85rem; }
    .testi-avatar {
      width: 42px; height: 42px; border-radius: 50%;
      background: linear-gradient(135deg, var(--navy), var(--sky));
      display: flex; align-items: center; justify-content: center;
      font-family: 'Open Sans', sans-serif; font-weight: 700;
      font-size: 1rem; color: var(--white);
    }
    .testi-name { font-weight: 700; font-size: 0.875rem; color: var(--navy); }
    .testi-role { font-size: 0.75rem; color: var(--muted); }

    /* ── CTA BANNER ──────────────────────── */
    .cta-banner {
      background: var(--navy); color: var(--white); padding: 5rem 0;
      position: relative; overflow: hidden;
    }
    .cta-banner::before {
      content: ''; position: absolute; right: -100px; top: -100px;
      width: 400px; height: 400px;
      background: radial-gradient(circle, rgba(37,150,190,0.25), transparent 65%);
    }
    .cta-banner h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800; margin-bottom: 1rem; }
    .cta-banner p { font-size: 1rem; opacity: 0.7; margin-bottom: 2rem; }

    /* ── FAQ ─────────────────────────────── */
    #faq { background: var(--white); }
    .accordion-item { border: 1.5px solid var(--border) !important; border-radius: 12px !important; margin-bottom: 0.65rem; overflow: hidden; }
    .accordion-button { font-family: 'Nunito Sans', sans-serif; font-weight: 700; font-size: 0.95rem; color: var(--navy); background: var(--white); box-shadow: none !important; }
    .accordion-button:not(.collapsed) { background: var(--light); color: var(--navy); }
    .accordion-body { font-size: 0.9rem; color: var(--muted); line-height: 1.75; }

    /* ── FOOTER ──────────────────────────── */
    footer { background: #071e3d; color: var(--white); padding: 4rem 0 0; }
    .footer-brand .name { font-family: 'Open Sans', sans-serif; font-weight: 800; font-size: 1.4rem; letter-spacing: -0.02em; }
    .footer-brand .name span { color: var(--sky); }
    .footer-brand .tagline { font-size: 0.78rem; color: rgba(255,255,255,0.4); margin-top: 0.3rem; }
    .footer-desc { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-top: 0.85rem; line-height: 1.7; }
    .footer-head { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; font-weight: 800; color: rgba(255,255,255,0.35); margin-bottom: 1rem; }
    footer ul { list-style: none; padding: 0; margin: 0; }
    footer ul li { margin-bottom: 0.5rem; }
    footer ul li a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 0.875rem; font-weight: 600; transition: color .2s; }
    footer ul li a:hover { color: var(--sky); }
    .footer-contact { font-size: 0.85rem; color: rgba(255,255,255,0.55); line-height: 1.9; }
    .footer-contact i { color: var(--sky); width: 18px; }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 1.25rem 0; margin-top: 3rem; font-size: 0.775rem; color: rgba(255,255,255,0.3); }
    .social-icon {
      width: 36px; height: 36px; border-radius: 8px;
      background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
      display: inline-flex; align-items: center; justify-content: center;
      color: rgba(255,255,255,0.6); font-size: 0.9rem; text-decoration: none;
      transition: background .2s, color .2s; margin-right: 0.4rem;
    }
    .social-icon:hover { background: var(--sky); color: var(--white); border-color: var(--sky); }
    .rbi-badge {
      display: inline-flex; align-items: center; gap: 0.5rem;
      background: rgba(37,150,190,0.15); border: 1px solid rgba(37,150,190,0.3);
      border-radius: 8px; padding: 0.5rem 1rem; font-size: 0.75rem; font-weight: 700;
      color: rgba(255,255,255,0.7); margin-top: 1rem;
    }

    /* ── ANIMATIONS ──────────────────────── */
    @keyframes fadeUp { from { opacity:0; transform:translateY(28px); } to { opacity:1; transform:translateY(0); } }
    .fade-up { animation: fadeUp .65s ease forwards; }
    .d1 { animation-delay: .1s; } .d2 { animation-delay: .2s; } .d3 { animation-delay: .3s; } .d4 { animation-delay: .45s; }

    /* ── RESPONSIVE ──────────────────────── */
    @media (max-width: 991px) {
      .nav-link::after { display: none; }
      .nav-link { padding: 0.65rem 0.5rem !important; }
      .step-connector { display: none; }
    }
    @media (max-width: 767px) {
      .hero { padding: 3.5rem 0 3rem; }
      section { padding: 3.5rem 0; }
      .emi-card { margin-top: 2.5rem; }
    }