/* ═══════════════════════════════════════════════
   BAJRANGBALI COOPERATIVE — MAIN STYLESHEET
   Palette: Saffron Orange + Deep Navy + Gold
   ═══════════════════════════════════════════════ */

:root {
  --primary: #E07B39;
  --primary-dark: #c45d1f;
  --primary-light: #FFF0E6;
  --navy: #1B3A6B;
  --navy-light: #2a4f8f;
  --gold: #C9A84C;
  --bg: #FEFCF8;
  --white: #FFFFFF;
  --text: #1A1A2E;
  --text-muted: #6B7280;
  --border: #E8E0D5;
  --shadow-sm: 0 2px 8px rgba(27,58,107,.08);
  --shadow-md: 0 8px 30px rgba(27,58,107,.12);
  --shadow-lg: 0 20px 60px rgba(27,58,107,.18);
  --radius: 16px;
  --radius-sm: 10px;
  --transition: all .3s cubic-bezier(.4,0,.2,1);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Noto Sans Devanagari', 'Hind', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', 'Noto Sans Devanagari', serif;
  line-height: 1.3;
  font-weight: 700;
  color: var(--navy);
}

a { color: inherit; text-decoration: none; transition: var(--transition); }
img { max-width: 100%; height: auto; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section { padding: 5rem 0; }

/* ── TOP BAR ──────────────────────────────────── */
.top-bar {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  font-size: .82rem;
  padding: .45rem 0;
}
.top-bar-inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: .5rem; }
.top-bar-left, .top-bar-right { display: flex; align-items: center; gap: 1.25rem; }
.top-bar i { margin-right: .35rem; color: var(--primary); }
.top-bar a { color: rgba(255,255,255,.8); }
.top-bar a:hover { color: #fff; }
.top-cta {
  background: var(--primary);
  color: #fff !important;
  padding: .2rem .9rem;
  border-radius: 999px;
  font-weight: 500;
}

/* ── NAVBAR ───────────────────────────────────── */
.navbar {
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 90;
  transition: var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }
.nav-inner {
  display: flex;
  align-items: center;
  gap: 2rem;
  height: 72px;
}
.nav-logo { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.logo-icon {
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-family: 'Noto Sans Devanagari', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(224,123,57,.4);
}
.logo-main { display: block; font-size: 1.05rem; font-weight: 700; color: var(--navy); line-height: 1.1; }
.logo-sub { display: block; font-size: .7rem; color: var(--text-muted); }

.nav-menu { display: flex; align-items: center; list-style: none; gap: .25rem; margin-left: auto; }
.nav-link {
  padding: .5rem .8rem;
  color: var(--text);
  font-size: .88rem;
  font-weight: 500;
  border-radius: 8px;
  display: flex; align-items: center; gap: .35rem;
  white-space: nowrap;
}
.nav-link:hover { color: var(--primary); background: var(--primary-light); }
.nav-link .fa-chevron-down { font-size: .65rem; transition: transform .3s; }

.has-dropdown { position: relative; }
.has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.has-dropdown:hover .fa-chevron-down { transform: rotate(180deg); }
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #fff;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-10px);
  transition: var(--transition);
  z-index: 100;
}
.dropdown li { list-style: none; }
.dropdown a {
  display: block;
  padding: .6rem 1.1rem;
  font-size: .87rem;
  color: var(--text);
  border-radius: 0;
}
.dropdown a:hover { background: var(--primary-light); color: var(--primary); padding-left: 1.4rem; }
.dropdown li:first-child a { border-radius: var(--radius-sm) var(--radius-sm) 0 0; }
.dropdown li:last-child a { border-radius: 0 0 var(--radius-sm) var(--radius-sm); }

.btn-apply {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff;
  padding: .55rem 1.25rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: .88rem;
  white-space: nowrap;
  box-shadow: 0 4px 15px rgba(224,123,57,.35);
  flex-shrink: 0;
}
.btn-apply:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(224,123,57,.45); color: #fff; }

.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: .5rem; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: var(--transition); }

/* ── FLASH MESSAGES ───────────────────────────── */
.flash {
  position: fixed; top: 80px; right: 1.5rem; z-index: 999;
  padding: 1rem 1.5rem;
  border-radius: var(--radius-sm);
  font-weight: 500;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: .5rem;
  animation: slideIn .3s ease;
  max-width: 400px;
}
.flash-success { background: #dcfce7; color: #166534; border: 1px solid #bbf7d0; }
.flash-error { background: #fee2e2; color: #dc2626; border: 1px solid #fecaca; }
@keyframes slideIn { from { opacity:0; transform: translateX(30px); } to { opacity:1; transform:translateX(0); } }

/* ── BUTTONS ──────────────────────────────────── */
.btn-primary {
  display: inline-flex; align-items: center; gap: .5rem;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff;
  padding: .75rem 1.75rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: .95rem;
  box-shadow: 0 4px 15px rgba(224,123,57,.35);
  border: none; cursor: pointer;
  transition: var(--transition);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(224,123,57,.45); color: #fff; }
.btn-primary.btn-lg { padding: .9rem 2.25rem; font-size: 1rem; }
.btn-primary.btn-sm { padding: .5rem 1.25rem; font-size: .875rem; }

.btn-outline {
  display: inline-flex; align-items: center; gap: .5rem;
  border: 2px solid var(--primary);
  color: var(--primary);
  padding: .75rem 1.75rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: .95rem;
  transition: var(--transition);
}
.btn-outline:hover { background: var(--primary); color: #fff; transform: translateY(-3px); }
.btn-outline.btn-lg { padding: .9rem 2.25rem; font-size: 1rem; }
.btn-outline.btn-sm { padding: .5rem 1.25rem; font-size: .875rem; }

.btn-white { display: inline-flex; align-items: center; gap: .5rem; background: #fff; color: var(--primary); padding: .8rem 2rem; border-radius: 999px; font-weight: 700; font-size: .95rem; transition: var(--transition); }
.btn-white:hover { transform: translateY(-3px); box-shadow: 0 10px 30px rgba(0,0,0,.15); }
.btn-outline-white { display: inline-flex; align-items: center; gap: .5rem; border: 2px solid rgba(255,255,255,.6); color: #fff; padding: .8rem 2rem; border-radius: 999px; font-weight: 600; font-size: .95rem; transition: var(--transition); }
.btn-outline-white:hover { background: rgba(255,255,255,.15); border-color: #fff; }

/* ── SECTION HEADERS ──────────────────────────── */
.section-eyebrow {
  font-size: .82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--primary);
  margin-bottom: .75rem;
  display: flex; align-items: center; gap: .5rem;
}
.section-eyebrow::before { content:''; display:inline-block; width:24px; height:2px; background:var(--primary); border-radius:2px; }
.section-header { text-align: center; margin-bottom: 3.5rem; }
.section-header .section-eyebrow { justify-content: center; }
.section-title { font-size: clamp(1.75rem, 3vw, 2.5rem); margin-bottom: 1rem; }
.section-sub { color: var(--text-muted); max-width: 580px; margin: 0 auto; font-size: .95rem; }

/* ── PAGE HERO ────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  padding: 4rem 0 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before { content:''; position:absolute; inset:0; background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E"); }
.page-hero h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); color: #fff; margin-bottom: .75rem; position:relative; }
.page-hero p { color: rgba(255,255,255,.75); max-width: 560px; margin: 0 auto 1.25rem; }
.breadcrumb { display: inline-flex; align-items: center; gap: .5rem; font-size: .85rem; color: rgba(255,255,255,.6); position:relative; }
.breadcrumb a { color: var(--primary); }
.breadcrumb a:hover { color: #fff; }

/* ── HERO SECTION ─────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #14285a 100%);
  min-height: 92vh;
  display: flex; align-items: center;
  position: relative;
  overflow: hidden;
  padding: 6rem 0 5rem;
}
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hero-shape {
  position: absolute;
  border-radius: 50%;
  background: rgba(224,123,57,.08);
}
.hero-shape-1 { width: 600px; height: 600px; right: -100px; top: -100px; }
.hero-shape-2 { width: 400px; height: 400px; right: 200px; bottom: -100px; background: rgba(201,168,76,.06); }
.hero-dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 32px 32px;
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 4rem; position: relative; z-index: 1; }
.hero-content { color: #fff; }
.hero-badge {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(224,123,57,.2);
  border: 1px solid rgba(224,123,57,.4);
  color: #ffb97c;
  padding: .4rem 1rem;
  border-radius: 999px;
  font-size: .82rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}
.hero-title { font-size: clamp(2rem, 4.5vw, 3.2rem); color: #fff; margin-bottom: 1.25rem; line-height: 1.25; }
.hero-title .highlight { color: var(--primary); position: relative; }
.hero-title .highlight::after { content:''; position: absolute; bottom:-4px; left:0; right:0; height:3px; background: linear-gradient(90deg, var(--primary), transparent); border-radius:2px; }
.hero-subtitle { color: rgba(255,255,255,.75); font-size: 1.05rem; margin-bottom: 2.25rem; max-width: 520px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2.5rem; }
.hero-stats { display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.stat { text-align: center; }
.stat-num { display: block; font-size: 1.6rem; font-weight: 700; color: var(--gold); font-family: 'Playfair Display', serif; }
.stat-label { font-size: .8rem; color: rgba(255,255,255,.6); }
.stat-divider { width: 1px; height: 36px; background: rgba(255,255,255,.2); }

.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; min-height: 420px; }
.hero-graphic { position: relative; width: 300px; height: 300px; }
.graphic-circle {
  position: absolute; border-radius: 50%;
  animation: pulse 3s ease-in-out infinite;
}
.circle-1 { width: 300px; height: 300px; border: 2px solid rgba(224,123,57,.2); top: 0; left: 0; }
.circle-2 { width: 220px; height: 220px; border: 2px solid rgba(224,123,57,.35); top: 40px; left: 40px; animation-delay: .5s; }
.circle-3 { width: 140px; height: 140px; background: linear-gradient(135deg, var(--primary), var(--primary-dark)); top: 80px; left: 80px; animation-delay: 1s; }
.graphic-icon { position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); font-size: 3rem; color: #fff; z-index: 1; }
@keyframes pulse { 0%,100%{transform:scale(1);opacity:1} 50%{transform:scale(1.05);opacity:.7} }

.hero-card-float {
  position: absolute;
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-sm);
  padding: .75rem 1.1rem;
  display: flex; align-items: center; gap: .6rem;
  color: #fff; font-size: .85rem; font-weight: 500;
  box-shadow: var(--shadow-md);
}
.hero-card-float i { color: var(--primary); font-size: 1.2rem; }
.card-float-1 { top: 60px; left: -20px; animation: float1 4s ease-in-out infinite; }
.card-float-2 { bottom: 80px; right: -20px; animation: float2 4s ease-in-out infinite .8s; }
@keyframes float1 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-12px)} }
@keyframes float2 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(12px)} }

.hero-wave { position: absolute; bottom: 0; left: 0; right: 0; }
.hero-wave svg { display: block; width: 100%; }

/* ── PARTNERS ─────────────────────────────────── */
.partners-section { padding: 2.5rem 0; background: #fff; border-bottom: 1px solid var(--border); }
.partners-track-wrapper { overflow: hidden; position: relative; }
.partners-track-wrapper::before,
.partners-track-wrapper::after { content:''; position:absolute; top:0; bottom:0; width:80px; z-index:1; }
.partners-track-wrapper::before { left:0; background:linear-gradient(90deg,#fff,transparent); }
.partners-track-wrapper::after { right:0; background:linear-gradient(-90deg,#fff,transparent); }
.partners-track {
  display: flex; align-items: center;
  width: max-content;
  animation: marquee 25s linear infinite;
}
.partners-track:hover { animation-play-state: paused; }
.partner-logo {
  flex-shrink: 0;
  width: 140px;
  height: 60px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 1.5rem;
  filter: grayscale(1) opacity(.5);
  transition: var(--transition);
}
.partner-logo:hover { filter: grayscale(0) opacity(1); }
.partner-logo img { max-height: 48px; object-fit: contain; }
.partner-name-text { font-weight: 600; color: var(--text-muted); font-size: .85rem; text-align: center; }
@keyframes marquee { from{transform:translateX(0)} to{transform:translateX(-50%)} }

/* ── SERVICES ─────────────────────────────────── */
.services-section { background: var(--bg); }
.services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 1.5rem; }
.service-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 2rem;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before { content:''; position:absolute; top:0; left:0; right:0; height:4px; background:linear-gradient(90deg,var(--primary),var(--gold)); transform:scaleX(0); transition:.3s; transform-origin:left; }
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 58px; height: 58px;
  background: var(--primary-light);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary);
  font-size: 1.4rem;
  margin-bottom: 1.25rem;
  transition: var(--transition);
}
.service-card:hover .service-icon { background: var(--primary); color: #fff; transform: scale(1.1); }
.service-card h3 { font-size: 1.05rem; margin-bottom: .6rem; color: var(--navy); }
.service-card p { color: var(--text-muted); font-size: .9rem; margin-bottom: 1.25rem; }
.service-link { color: var(--primary); font-weight: 600; font-size: .88rem; display: inline-flex; align-items: center; gap: .35rem; }
.service-link i { transition: transform .2s; }
.service-link:hover i { transform: translateX(4px); }

/* ── PLANS SECTIONS ───────────────────────────── */
.savings-bg { background: linear-gradient(180deg, #fff 0%, var(--primary-light) 50%, #fff 100%); }
.plans-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.5rem; }
.plan-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 1.75rem;
  border: 1px solid var(--border);
  display: flex; gap: 1.25rem;
  transition: var(--transition);
  align-items: flex-start;
}
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--primary); }
.plan-icon {
  width: 50px; height: 50px;
  background: var(--primary-light);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary);
  font-size: 1.3rem;
  flex-shrink: 0;
  transition: var(--transition);
}
.plan-card:hover .plan-icon { background: var(--primary); color: #fff; }
.loan-card .plan-icon, .loan-card:hover .plan-icon { background: #dbeafe; color: #1d4ed8; }
.loan-card:hover .loan-icon { background: #1d4ed8; color: #fff; }
.plan-content h3 { font-size: 1rem; margin-bottom: .5rem; }
.plan-content p { color: var(--text-muted); font-size: .87rem; margin-bottom: 1rem; }
.plan-meta { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1rem; }
.meta-badge { padding: .25rem .7rem; border-radius: 999px; font-size: .75rem; font-weight: 500; display: flex; align-items: center; gap: .3rem; }
.meta-badge.rate { background: #dcfce7; color: #166534; }
.meta-badge.min, .meta-badge.max { background: #dbeafe; color: #1e40af; }
.btn-plan {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  padding: .45rem 1rem;
  border-radius: 8px;
  font-size: .85rem;
  font-weight: 600;
  transition: var(--transition);
}
.btn-plan:hover { background: var(--primary); color: #fff; }
.btn-loan:hover { background: #1d4ed8; color: #fff; }

/* ── WHY US ───────────────────────────────────── */
.why-section { background: var(--bg); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.why-features { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-top: 2rem; }
.why-feature { display: flex; gap: .875rem; }
.why-icon { width: 42px; height: 42px; background: var(--primary-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 1rem; flex-shrink: 0; }
.why-feature h4 { font-size: .95rem; margin-bottom: .25rem; font-family: 'Hind','Noto Sans Devanagari',sans-serif; }
.why-feature p { font-size: .85rem; color: var(--text-muted); }
.why-card {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius);
  padding: 2.5rem;
  color: #fff;
}
.why-card-header { display: flex; align-items: center; gap: 1rem; margin-bottom: 2rem; padding-bottom: 1.5rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.why-card-header i { font-size: 1.8rem; color: var(--primary); }
.why-card-header span { font-weight: 700; font-size: 1.1rem; }
.why-stat-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
.why-stat { background: rgba(255,255,255,.07); border-radius: 10px; padding: 1rem; text-align: center; }
.why-stat span { display: block; font-size: 1.5rem; font-weight: 700; color: var(--gold); font-family: 'Playfair Display', serif; }
.why-stat small { font-size: .8rem; color: rgba(255,255,255,.6); }
.why-card-quote { margin-top: 1.5rem; font-style: italic; color: rgba(255,255,255,.7); font-size: .9rem; line-height: 1.6; border-left: 3px solid var(--primary); padding-left: 1rem; }

/* ── TESTIMONIALS ─────────────────────────────── */
.testimonials-section { background: #fff; }
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 1.5rem; }
.testimonial-card {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 2rem;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
}
.testimonial-card::before { content:'"'; position:absolute; top:1rem; right:1.5rem; font-size:5rem; color:var(--primary-light); font-family:Georgia,serif; line-height:1; pointer-events:none; }
.testimonial-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.testimonial-stars { color: #F59E0B; font-size: .85rem; margin-bottom: 1rem; }
.testimonial-text { color: var(--text-muted); font-size: .92rem; margin-bottom: 1.5rem; line-height: 1.7; position: relative; }
.testimonial-author { display: flex; align-items: center; gap: .875rem; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 1rem;
  flex-shrink: 0; overflow: hidden;
}
.author-avatar img { width: 100%; height: 100%; object-fit: cover; }
.testimonial-author strong { display: block; font-size: .9rem; color: var(--navy); }
.testimonial-author small { color: var(--text-muted); font-size: .8rem; }

/* ── ABOUT SNIPPET ────────────────────────────── */
.about-snippet { background: var(--bg); }
.about-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 5rem; align-items: center; }
.about-img-collage { position: relative; height: 420px; }
.collage-main {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--primary) 100%);
  border-radius: var(--radius);
  position: relative;
  overflow: hidden;
}
.collage-main::before { content:''; position:absolute; inset:0; background:url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23fff' fill-opacity='0.05'%3E%3Ccircle cx='40' cy='40' r='20'/%3E%3C/g%3E%3C/svg%3E"); }
.collage-badge {
  position: absolute; bottom: -20px; right: -20px;
  background: var(--primary);
  color: #fff;
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: .75rem;
  font-weight: 600;
}
.collage-badge i { font-size: 1.4rem; color: var(--gold); }
.about-highlights { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin-top: 1.5rem; }
.highlight-item { display: flex; align-items: center; gap: .5rem; font-size: .9rem; color: var(--text-muted); }
.highlight-item i { color: var(--primary); font-size: .9rem; }

/* ── GALLERY ──────────────────────────────────── */
.gallery-section { background: #fff; }
.gallery-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.gallery-item { position: relative; border-radius: var(--radius-sm); overflow: hidden; aspect-ratio: 1; cursor: pointer; }
.gallery-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.gallery-overlay { position: absolute; inset: 0; background: linear-gradient(transparent 40%, rgba(27,58,107,.8)); opacity: 0; transition: .3s; display: flex; flex-direction: column; justify-content: flex-end; padding: 1rem; }
.gallery-overlay span { color: #fff; font-size: .85rem; }
.gallery-item:hover img { transform: scale(1.08); }
.gallery-item:hover .gallery-overlay { opacity: 1; }

/* ── CTA BANNER ───────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 50%, #9d4a17 100%);
  padding: 4.5rem 0;
  position: relative; overflow: hidden;
}
.cta-banner::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse at 70% 50%, rgba(201,168,76,.2), transparent 60%); }
.cta-content { text-align: center; position: relative; }
.cta-content h2 { color: #fff; font-size: clamp(1.75rem, 3vw, 2.5rem); margin-bottom: 1rem; }
.cta-content p { color: rgba(255,255,255,.85); max-width: 540px; margin: 0 auto 2rem; }
.cta-btns { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }

/* ── FOOTER ───────────────────────────────────── */
.footer { background: var(--navy); color: rgba(255,255,255,.75); padding: 5rem 0 0; position: relative; }
.footer-wave { margin-bottom: -2px; }
.footer-wave svg { display: block; width: 100%; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: 3rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand p { font-size: .88rem; line-height: 1.7; margin-top: 1rem; color: rgba(255,255,255,.55); }
.footer-logo { display: flex; align-items: center; gap: .75rem; margin-bottom: 1rem; }
.footer-social { display: flex; gap: .75rem; margin-top: 1.5rem; }
.footer-social a { width: 36px; height: 36px; background: rgba(255,255,255,.08); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.6); font-size: .9rem; transition: var(--transition); }
.footer-social a:hover { background: var(--primary); color: #fff; transform: translateY(-3px); }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: 1.25rem; font-family: 'Hind', sans-serif; font-weight: 600; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: .6rem; }
.footer-col ul a { color: rgba(255,255,255,.55); font-size: .875rem; transition: var(--transition); }
.footer-col ul a:hover { color: var(--primary); padding-left: 6px; }
.footer-contact p { display: flex; align-items: flex-start; gap: .6rem; font-size: .875rem; margin-bottom: .75rem; color: rgba(255,255,255,.65); }
.footer-contact i { color: var(--primary); margin-top: .2rem; flex-shrink: 0; }
.footer-contact a:hover { color: var(--primary); }
.footer-bottom { text-align: center; padding: 1.5rem 0; color: rgba(255,255,255,.35); font-size: .82rem; }
.footer-bottom p + p { margin-top: .25rem; }

/* ── ABOUT PAGE ───────────────────────────────── */
.about-full-grid { max-width: 900px; margin: 0 auto; }
.about-full-text h2 { font-size: 2rem; margin-bottom: 1.25rem; }
.about-full-text p { color: var(--text-muted); margin-bottom: 1rem; }
.mission-vision { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2.5rem; }
.mv-card { background: var(--bg); border-radius: var(--radius); padding: 2rem; border: 1px solid var(--border); text-align: center; }
.mv-icon { width: 56px; height: 56px; background: var(--primary-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 1.4rem; margin: 0 auto 1rem; }
.mv-card h3 { font-size: 1rem; margin-bottom: .5rem; }
.mv-card p { font-size: .875rem; color: var(--text-muted); }
.milestone-section { margin-top: 4rem; }
.timeline { position: relative; padding-left: 2rem; }
.timeline::before { content:''; position:absolute; left:0; top:0; bottom:0; width:2px; background:linear-gradient(var(--primary),var(--gold)); border-radius:2px; }
.timeline-item { position: relative; padding-left: 1.5rem; margin-bottom: 2rem; }
.timeline-dot { position: absolute; left: -2rem; top: .4rem; width: 14px; height: 14px; border-radius: 50%; background: var(--primary); border: 3px solid #fff; box-shadow: 0 0 0 2px var(--primary); }
.timeline-content h4 { font-size: 1rem; color: var(--navy); margin-bottom: .25rem; font-family: 'Hind', sans-serif; }
.timeline-content p { color: var(--text-muted); font-size: .9rem; }

/* ── SERVICES PAGE ────────────────────────────── */
.services-full-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 2rem; }
.service-full-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 2.25rem;
  border: 1px solid var(--border);
  display: flex; gap: 1.5rem;
  transition: var(--transition);
}
.service-full-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.sfc-icon { width: 60px; height: 60px; background: var(--primary-light); border-radius: 14px; display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 1.5rem; flex-shrink: 0; transition: var(--transition); }
.service-full-card:hover .sfc-icon { background: var(--primary); color: #fff; }
.sfc-content h3 { font-size: 1.05rem; margin-bottom: .6rem; }
.sfc-content p { color: var(--text-muted); font-size: .9rem; margin-bottom: 1rem; }
.service-features { list-style: none; margin-bottom: 1.25rem; }
.service-features li { display: flex; align-items: center; gap: .5rem; font-size: .875rem; color: var(--text-muted); margin-bottom: .4rem; }
.service-features i { color: var(--primary); font-size: .75rem; }

/* ── PLANS PAGES ──────────────────────────────── */
.plans-full-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 1.75rem; }
.plan-full-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 2rem;
  border: 1px solid var(--border);
  display: flex; gap: 1.5rem;
  transition: var(--transition);
  align-items: flex-start;
}
.plan-full-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.pfc-icon { width: 56px; height: 56px; background: var(--primary-light); border-radius: 14px; display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 1.4rem; flex-shrink: 0; transition: var(--transition); }
.plan-full-card:hover .pfc-icon { background: var(--primary); color: #fff; }
.loan-full-card .pfc-icon { background: #dbeafe; color: #1d4ed8; }
.loan-full-card:hover .loan-pfc-icon { background: #1d4ed8; color: #fff; }
.pfc-body h3 { font-size: 1.05rem; margin-bottom: .5rem; }
.pfc-body p { color: var(--text-muted); font-size: .88rem; margin-bottom: 1rem; line-height: 1.65; }
.pfc-meta { display: grid; grid-template-columns: repeat(auto-fill, minmax(120px, 1fr)); gap: .75rem; margin-bottom: 1.25rem; }
.pfc-stat { background: var(--bg); border-radius: 8px; padding: .6rem .75rem; }
.pfc-stat label { display: block; font-size: .72rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .05em; margin-bottom: .2rem; }
.pfc-stat span { font-weight: 700; color: var(--navy); font-size: .95rem; }

/* ── GALLERY PAGE ─────────────────────────────── */
.gallery-full-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 1rem; }
.gallery-full-item { position: relative; border-radius: var(--radius-sm); overflow: hidden; aspect-ratio: 1; cursor: pointer; }
.gallery-full-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.gallery-full-item .gallery-overlay { position: absolute; inset: 0; background: rgba(27,58,107,.5); opacity: 0; transition: .3s; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .5rem; }
.gallery-full-item .gallery-overlay i { color: #fff; font-size: 1.5rem; }
.gallery-full-item .gallery-overlay span { color: #fff; font-size: .85rem; }
.gallery-full-item:hover img { transform: scale(1.08); }
.gallery-full-item:hover .gallery-overlay { opacity: 1; }

/* Lightbox */
.lightbox { position: fixed; inset: 0; background: rgba(0,0,0,.92); z-index: 9999; display: none; align-items: center; justify-content: center; flex-direction: column; gap: 1rem; padding: 1rem; }
.lightbox.active { display: flex; }
.lightbox img { max-width: 90vw; max-height: 80vh; object-fit: contain; border-radius: 8px; }
.lightbox p { color: rgba(255,255,255,.7); font-size: .9rem; }
.lightbox-close { position: absolute; top: 1.5rem; right: 1.5rem; background: rgba(255,255,255,.1); border: none; color: #fff; width: 44px; height: 44px; border-radius: 50%; font-size: 1.2rem; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: .2s; }
.lightbox-close:hover { background: var(--primary); }

/* ── DOWNLOADS PAGE ───────────────────────────── */
.downloads-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 1.25rem; margin-bottom: 2rem; }
.download-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 1.5rem;
  border: 1px solid var(--border);
  display: flex; align-items: center; gap: 1.25rem;
  transition: var(--transition);
}
.download-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--primary); }
.download-icon { width: 52px; height: 52px; background: var(--primary-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 1.4rem; flex-shrink: 0; }
.download-content { flex: 1; }
.download-content h3 { font-size: .95rem; margin-bottom: .25rem; }
.download-content p { color: var(--text-muted); font-size: .85rem; }
.file-badge { background: var(--primary-light); color: var(--primary); padding: .2rem .6rem; border-radius: 4px; font-size: .75rem; font-weight: 600; }
.btn-download { flex-shrink: 0; background: var(--primary); color: #fff; padding: .55rem 1rem; border-radius: 8px; font-size: .85rem; font-weight: 600; display: flex; align-items: center; gap: .4rem; transition: var(--transition); }
.btn-download:hover { background: var(--primary-dark); color: #fff; transform: scale(1.05); }
.downloads-note { background: #fffbf0; border: 1px solid #fde68a; border-radius: var(--radius-sm); padding: 1rem 1.25rem; display: flex; align-items: center; gap: .75rem; color: #92400e; font-size: .9rem; }
.downloads-note i { color: #d97706; font-size: 1.1rem; flex-shrink: 0; }
.downloads-note a { color: var(--primary); font-weight: 600; }

/* ── APPLICATION FORM ─────────────────────────── */
.apply-layout { display: grid; grid-template-columns: 1fr 340px; gap: 2.5rem; align-items: start; }
.form-card { background: #fff; border-radius: var(--radius); border: 1px solid var(--border); overflow: hidden; box-shadow: var(--shadow-sm); }
.form-card-header { background: linear-gradient(135deg, var(--navy), var(--navy-light)); color: #fff; padding: 1.75rem 2rem; display: flex; align-items: center; gap: 1rem; }
.form-card-header i { font-size: 1.5rem; color: var(--primary); }
.form-card-header h2 { font-size: 1.3rem; color: #fff; margin: 0; }
.apply-form { padding: 2rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 500; margin-bottom: .4rem; font-size: .875rem; color: var(--navy); }
.req { color: var(--primary); }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: .75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: .95rem;
  font-family: 'Noto Sans Devanagari','Hind',sans-serif;
  transition: var(--transition);
  background: var(--bg);
  outline: none;
  color: var(--text);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--primary); background: #fff; box-shadow: 0 0 0 3px rgba(224,123,57,.12); }
.form-group textarea { resize: vertical; min-height: 100px; }
.btn-submit {
  width: 100%;
  padding: 1rem;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff;
  border: none;
  border-radius: 999px;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center; gap: .5rem;
  transition: var(--transition);
  font-family: 'Noto Sans Devanagari','Hind',sans-serif;
  box-shadow: 0 4px 20px rgba(224,123,57,.4);
  margin-top: .5rem;
}
.btn-submit:hover { transform: translateY(-3px); box-shadow: 0 10px 30px rgba(224,123,57,.5); }
.apply-sidebar { display: flex; flex-direction: column; gap: 1.25rem; }
.sidebar-card { background: #fff; border-radius: var(--radius); padding: 1.5rem; border: 1px solid var(--border); }
.sidebar-card h3 { font-size: .95rem; color: var(--navy); margin-bottom: 1rem; display: flex; align-items: center; gap: .5rem; font-family: 'Hind',sans-serif; }
.sidebar-card h3 i { color: var(--primary); }
.sidebar-card ul { list-style: none; }
.sidebar-card ul li { display: flex; justify-content: space-between; padding: .5rem 0; border-bottom: 1px solid var(--border); font-size: .875rem; }
.sidebar-card ul li:last-child { border: none; }
.sidebar-card ul li span { color: var(--text-muted); }
.sidebar-card ul li strong { color: var(--navy); }
.sidebar-card p { font-size: .9rem; color: var(--text-muted); margin-bottom: .4rem; }
.sidebar-card p a { color: var(--primary); font-weight: 500; }
.docs-list { list-style: none; }
.docs-list li { display: flex; align-items: center; gap: .5rem; font-size: .875rem; color: var(--text-muted); padding: .35rem 0; }
.docs-list i { color: var(--primary); font-size: .8rem; }

/* ── EMPTY STATE ──────────────────────────────── */
.empty-state { text-align: center; padding: 5rem 2rem; color: var(--text-muted); }
.empty-state i { font-size: 4rem; display: block; margin-bottom: 1.5rem; opacity: .3; }
.empty-state h3 { margin-bottom: .5rem; color: var(--navy); }

/* ── SCROLL ANIMATIONS ────────────────────────── */
[data-animate], [data-animate-delay] { opacity: 0; transform: translateY(28px); transition: opacity .6s ease, transform .6s ease; }
[data-animate-delay] { transition-delay: .2s; }
[data-animate].visible, [data-animate-delay].visible { opacity: 1; transform: translateY(0); }

/* ── RESPONSIVE ───────────────────────────────── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-visual { display: none; }
  .hero-cta, .hero-stats { justify-content: center; }
  .why-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .about-img-collage { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .section { padding: 3.5rem 0; }
  .top-bar { display: none; }
  .nav-menu { display: none; flex-direction: column; position: fixed; inset: 72px 0 0 0; background: #fff; padding: 1rem; overflow-y: auto; z-index: 89; }
  .nav-menu.open { display: flex; }
  .has-dropdown .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; background: var(--bg); border-radius: 8px; margin: .25rem 0; }
  .hamburger { display: flex; }
  .btn-apply { display: none; }
  .hero { min-height: auto; padding: 4rem 0 3rem; }
  .hero-title { font-size: 1.8rem; }
  .form-row { grid-template-columns: 1fr; }
  .apply-layout { grid-template-columns: 1fr; }
  .gallery-grid { grid-template-columns: repeat(2, 1fr); }
  .mission-vision { grid-template-columns: 1fr; }
  .why-features { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .services-full-grid, .plans-full-grid { grid-template-columns: 1fr; }
}