/* ---------- REBRAND COLOR THEME ---------- */
:root {
    --primary: #1e3a8a;
    /* Indigo */
    --accent: #10b981;
    /* Emerald */
    --text: #111827;
    --light-text: #6b7280;
    --bg: #f9fafb;
}

/* ---------- GLOBAL RESET ---------- */
body {
    font-family: 'Poppins', sans-serif;
    margin: 0;
    padding: 0;
    background-color: var(--bg);
    color: var(--text);
}

a {
    text-decoration: none;
    color: var(--accent);
}

/* ---------- HEADER ---------- */
.cred-header {
    background: #ffffff;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.04);
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
}

.logo {
    /* font-size: 1.8rem; */
    font-weight: 700;
    color: var(--primary);
}

.logo span {
    color: var(--accent);
}

.main-nav .nav-links {
    list-style: none;
    display: flex;
    gap: 30px;
    margin: 0;
    padding: 0;
    align-items: center;
}

.main-nav .nav-links li a {
    font-weight: 500;
    color: var(--text);
    transition: 0.3s;
}

.main-nav .nav-links li a.active,
.main-nav .nav-links li a:hover {
    color: var(--primary);
}

.btn-apply {
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: #fff;
    border: none;
    padding: 10px 24px;
    font-size: 1rem;
    border-radius: 50px;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-apply:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(16, 185, 129, 0.3);
}

/* ---------- HERO SECTION ---------- */
.cred-hero {
    padding: 120px 0 80px;
    background: linear-gradient(90deg, #fdfdfd, #f3f4f6);
}

.cred-hero .hero-text {
    flex: 1 1 500px;
    padding-right: 40px;
}

.cred-hero h1 {
    font-size: 3rem;
    line-height: 1.2;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 20px;
}

.cred-hero h1 span {
    color: var(--accent);
}

.cred-hero p {
    font-size: 1.1rem;
    color: var(--light-text);
    margin-bottom: 30px;
    max-width: 480px;
}

.cred-hero .hero-img {
    flex: 1 1 400px;
    text-align: center;
}

.cred-hero .hero-img img {
    max-width: 100%;
    height: auto;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 991px) {
    .main-nav .nav-links {
        flex-direction: column;
        gap: 15px;
        display: none;
        /* you can enhance with JS toggle */
    }

    .cred-hero {
        flex-direction: column;
        padding-top: 150px;
    }

    .cred-hero .hero-text {
        padding-right: 0;
        text-align: center;
    }
}

/* AOS Animations */
[data-aos] {
    opacity: 0;
    transition-property: transform, opacity;
}

[data-aos].aos-animate {
    opacity: 1;
}

/* Smooth transitions for hero */
.cred-hero h1,
.cred-hero p,
.cred-hero button {
    transition: all 0.4s ease;
}


/* ---------- WHY CHOOSE US (Animated Version) ---------- */
.why-section {
    padding: 100px 20px;
    background: linear-gradient(135deg, #f9fafb, #ffffff);
}

.why-header h2 {
    font-size: 2.6rem;
    font-weight: 700;
    color: var(--text);
}

.why-header h2 span {
    color: var(--accent);
}

.why-header p {
    max-width: 600px;
    margin: 15px auto 40px;
    color: var(--light-text);
    font-size: 1.1rem;
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 30px;
}

.why-box {
    background: #fff;
    border-radius: 16px;
    padding: 40px 24px;
    text-align: center;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.05);
    transition: transform 0.4s ease, box-shadow 0.4s ease;
    position: relative;
    overflow: hidden;
}

.why-box:hover {
    transform: translateY(-10px);
    box-shadow: 0 12px 35px rgba(0, 0, 0, 0.08);
}

.why-box .icon {
    font-size: 2.8rem;
    color: #fff;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    width: 70px;
    height: 70px;
    line-height: 70px;
    border-radius: 50%;
    margin: 0 auto 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
}

.why-box h4 {
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 10px;
}

.why-box p {
    font-size: 1rem;
    color: var(--light-text);
    line-height: 1.6;
}

/* ---------- LOAN TYPES SECTION ---------- */
.loan-types-section {
    padding: 100px 20px;
    background: #f9fafb;
}

.loan-types-section .section-title h2 {
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--text);
}

.loan-types-section .section-title p {
    color: var(--light-text);
    font-size: 1.1rem;
    margin-top: 10px;
}

/* Card Grid */
.loan-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

/* Individual Card */
.loan-card {
    background: #fff;
    border-radius: 16px;
    padding: 30px 24px;
    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.06);
    text-align: center;
    transition: all 0.4s ease;
}

.loan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 12px 35px rgba(0, 0, 0, 0.1);
}

/* Icon */
.loan-icon {
    font-size: 2.4rem;
    color: #fff;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    width: 65px;
    height: 65px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    border-radius: 50%;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
}

/* Heading & Text */
.loan-card h4 {
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 10px;
}

.loan-card p {
    font-size: 1rem;
    color: var(--light-text);
    line-height: 1.6;
}

/* ---------- EMI CALCULATOR SECTION ---------- */
.emi-section {
    padding: 100px 20px;
    background: #ffffff;
}

.emi-wrapper {
    display: flex;
    flex-wrap: wrap;
    gap: 40px;
    background: #f9fafb;
    padding: 40px;
    border-radius: 20px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}

.emi-left,
.emi-right {
    flex: 1 1 320px;
}

/* LEFT Side */
.emi-left h3 {
    font-size: 1.8rem;
    margin-bottom: 30px;
    color: var(--text);
}

.emi-group {
    margin-bottom: 30px;
}

.emi-group label {
    font-weight: 600;
    font-size: 1rem;
    display: block;
    margin-bottom: 8px;
    color: var(--text);
}

.emi-group input[type="range"] {
    width: 100%;
    accent-color: var(--primary);
}

/* RIGHT Side */
.emi-summary-box {
    background: #fff;
    padding: 30px;
    border-radius: 16px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.06);
    text-align: center;
}

.emi-summary-box h4 {
    font-size: 1.5rem;
    margin-bottom: 20px;
    color: var(--text);
}

.summary-values p {
    font-size: 1.1rem;
    margin-bottom: 10px;
    color: var(--text);
}

.summary-values strong {
    color: var(--primary);
}

/* Circular Chart */
.emi-chart {
    width: 120px;
    height: 120px;
    background: conic-gradient(var(--primary) 0deg, #ddd 0deg 360deg);
    border-radius: 50%;
    margin: 30px auto 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    color: #fff;
}

/* Responsive */
@media (max-width: 768px) {
    .emi-wrapper {
        flex-direction: column;
    }

    .emi-summary-box {
        margin-top: 20px;
    }
}

/* ---------- CHECK OFFER SECTION ---------- */
.check-offer-section {
    padding: 100px 20px;
    background: #fff;
}

.check-offer-header h2 {
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--text);
}

.check-offer-header p {
    font-size: 1.1rem;
    color: var(--light-text);
    margin-top: 10px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

/* Form Layout */
.check-offer-form {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    justify-content: center;
    max-width: 600px;
    margin: 40px auto 0;
}

.check-offer-form input {
    padding: 14px 18px;
    font-size: 1rem;
    border-radius: 10px;
    border: 1px solid #ddd;
    width: 100%;
    max-width: 280px;
    transition: all 0.3s ease;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.04);
}

.check-offer-form input:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(127, 90, 240, 0.1);
}

.check-offer-form button {
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border: none;
    color: #fff;
    padding: 14px 32px;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 30px;
    cursor: pointer;
    box-shadow: 0 10px 24px rgba(127, 90, 240, 0.3);
    transition: 0.3s ease;
}

.check-offer-form button:hover {
    background: #09397a;
    transform: translateY(-2px);
}

/* Error messages */
.form-group {
    width: 100%;
    max-width: 280px;
}

.error-msg {
    color: #e74c3c;
    font-size: 0.85rem;
    margin-top: 4px;
    display: block;
    min-height: 18px;
}

/* ---------- Thank You Popup ---------- */
.thank-you-popup {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    background: rgba(255, 255, 255, 0.95);
    width: 100%;
    height: 100%;
    z-index: 1000;
    justify-content: center;
    align-items: center;
    text-align: center;
    flex-direction: column;
    animation: fadeIn 0.4s ease-in-out;
}

.thank-you-popup h2 {
    font-size: 2rem;
    color: var(--accent);
}

.thank-you-popup p {
    font-size: 1.2rem;
    color: #333;
}

#confettiCanvas {
    position: fixed;
    top: 0;
    left: 0;
    pointer-events: none;
    width: 100%;
    height: 100%;
    z-index: 1001;
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }

    to {
        opacity: 1;
    }
}

/* ---------- MODERN FAQ SECTION ---------- */
.faq-section {
    padding: 100px 20px;
    background: linear-gradient(135deg, #f9fafb, #ffffff);
}

.faq-header h2 {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--text);
}

.faq-header p {
    font-size: 1.1rem;
    color: var(--light-text);
    max-width: 600px;
    margin: 10px auto 40px;
}

.faq-wrapper {
    max-width: 800px;
    margin: auto;
}

.faq-box {
    background: #fff;
    border-radius: 16px;
    margin-bottom: 20px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
    overflow: hidden;
    transition: all 0.3s ease;
}

.faq-question {
    padding: 20px 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-weight: 600;
    color: var(--text);
    font-size: 1.05rem;
}

.faq-question:hover {
    background: #f0f4ff;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    padding: 0 24px;
    color: var(--light-text);
    font-size: 0.95rem;
    line-height: 1.6;
    transition: all 0.4s ease;
}

.faq-box.active .faq-answer {
    max-height: 300px;
    padding: 16px 24px 24px;
}

.faq-icon {
    font-size: 1.5rem;
    color: var(--primary);
    transition: transform 0.3s;
}

.faq-box.active .faq-icon {
    transform: rotate(45deg);
}

/* ---------- CTA SECTION ---------- */
.cta-section {
    padding: 50px 20px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: #fff;
    border-radius: 20px;
    margin: 60px 20px;
    position: relative;
    overflow: hidden;
}

.cta-section h2 {
    font-size: 2.4rem;
    font-weight: 700;
    margin-bottom: 20px;
    z-index: 1;
    position: relative;
}

.cta-section p {
    font-size: 1.1rem;
    margin-bottom: 40px;
    z-index: 1;
    position: relative;
    color: #f3f3f3;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
    z-index: 1;
    position: relative;
}

.cta-buttons button {
    background-color: #fff;
    color: var(--primary);
    border: none;
    padding: 14px 30px;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 50px;
    cursor: pointer;
    transition: 0.3s ease;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
}

.cta-buttons button:hover {
    background-color: #f1f1f1;
}

.cta-buttons .secondary-btn {
    background: transparent;
    border: 2px solid #fff;
    color: #fff;
}

.cta-buttons .secondary-btn:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: #fff;
}

/* Optional background shape */
.cta-section::before {
    content: "";
    position: absolute;
    top: -50px;
    right: -50px;
    width: 200px;
    height: 200px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    z-index: 0;
}

/* ---------- FOOTER SECTION ---------- */
.modern-footer {
    background: #0f172a;
    color: #f3f4f6;
    padding: 80px 20px 30px;
    font-family: 'Poppins', sans-serif;
}

.footer-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    gap: 40px;
    max-width: 1200px;
    margin: auto;
}

.footer-block {
    flex: 1 1 280px;
    min-width: 220px;
}

.footer-block h4 {
    font-size: 1.2rem;
    font-weight: 600;
    color: #fff;
    margin-bottom: 16px;
}

.footer-block ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-block ul li {
    margin-bottom: 12px;
    font-size: 0.95rem;
}

.footer-block ul li a {
    color: #f3f4f6;
    text-decoration: none;
    transition: 0.3s;
}

.footer-block ul li i {
    color: var(--accent);
    margin-right: 8px;
}

.footer-block ul li a:hover {
    color: var(--accent);
}

.footer-block p {
    font-size: 0.95rem;
    color: #cbd5e1;
    line-height: 1.6;
}

/* Social Icons */
.social-icons {
    margin-top: 15px;
}

.social-icons a {
    color: #f3f4f6;
    margin-right: 12px;
    font-size: 1rem;
    display: inline-block;
    transition: 0.3s ease;
}

.social-icons a:hover {
    color: var(--accent);
}

/* Bottom Copyright */
.footer-bottom {
    border-top: 1px solid #1e293b;
    padding-top: 20px;
    margin-top: 40px;
    text-align: center;
    font-size: 0.9rem;
    color: #94a3b8;
}

/* Responsive */
@media (max-width: 768px) {
    .footer-grid {
        flex-direction: column;
        text-align: center;
    }

    .footer-block {
        text-align: center;
    }

    .footer-block.right p {
        margin-bottom: 10px;
    }
}

/* ---------- LOAN MODAL ---------- */
.loan-modal {
    display: none;
    position: fixed;
    z-index: 1000;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    justify-content: center;
    align-items: center;
}

.loan-modal-content {
    background: #fff;
    padding: 30px 24px;
    border-radius: 16px;
    width: 90%;
    max-width: 520px;
    position: relative;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
}

.loan-modal-content h2 {
    text-align: center;
    margin-bottom: 20px;
    color: var(--primary);
}

.loan-modal-content {
    max-height: 90vh;
    overflow-y: auto;
}

.loan-modal {
    overflow-y: auto;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 0.9rem;
    line-height: 1.4;
}

.form-row {
    margin-bottom: 20px;
}

.form-row input[type="text"],
.form-row input[type="email"],
.form-row input[type="tel"],
.form-row input[type="number"],
.form-row input[type="range"] {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid #ccc;
    border-radius: 8px;
    font-size: 1rem;
}

.form-row.double {
    display: flex;
    gap: 10px;
}

.form-row.double input {
    flex: 1;
}

.form-row label {
    font-size: 0.95rem;
    margin-bottom: 6px;
    display: block;
}

.submit-loan-btn {
    width: 100%;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: #fff;
    padding: 14px;
    font-weight: 600;
    border: none;
    border-radius: 30px;
    cursor: pointer;
}

.close-btn {
    position: absolute;
    top: 14px;
    right: 20px;
    background: none;
    font-size: 1.5rem;
    border: none;
    color: #999;
    cursor: pointer;
}

.error-msg {
    color: red;
    font-size: 0.85rem;
    margin-top: 4px;
}

/* Thank You Popup */
.thank-you-popup {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(255, 255, 255, 0.95);
    z-index: 2000;
    justify-content: center;
    align-items: center;
    flex-direction: column;
    text-align: center;
}

.thank-you-popup h2 {
    color: var(--accent);
    font-size: 2rem;
}

.thank-you-popup p {
    font-size: 1.1rem;
    color: #444;
}

#confettiCanvas {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    z-index: 1999;
}

/* CONTACT PAGE TITLE */
.contact-section {
    padding: 150px 20px 80px;
    background: #f8f9fa;
}

.contact-heading {
    text-align: center;
    font-size: 32px;
    font-weight: 600;
    color: #0b3d91;
    margin-bottom: 10px;
}

.contact-subtext {
    text-align: center;
    color: #555;
    margin-bottom: 40px;
}

.contact-wrapper {
    display: flex;
    flex-wrap: wrap;
    gap: 40px;
    justify-content: space-between;
}

.contact-form {
    flex: 1 1 48%;
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.contact-form input,
.contact-form textarea {
    padding: 12px;
    border: 1px solid #ccc;
    border-radius: 6px;
    font-size: 15px;
}

.contact-form button {
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: #fff;
    padding: 14px;
    font-size: 16px;
    border: none;
    border-radius: 6px;
    cursor: pointer;
    transition: background 0.3s ease;
}

.contact-form button:hover {
    background: #09397a;
}

.contact-info {
    flex: 1 1 48%;
    font-size: 16px;
    color: #333;
}

.contact-info h3 {
    font-size: 20px;
    color: #0b3d91;
    margin-bottom: 15px;
}

@media (max-width: 768px) {
    .contact-wrapper {
        flex-direction: column;
    }

    .contact-form,
    .contact-info {
        flex: 1 1 100%;
    }
}

/* privacy policy  */
.privacy-policy-section {
    padding: 120px 20px 50px;
    background-color: #ffffff;
    color: #333;
    font-family: 'Segoe UI', sans-serif;
}

.page-title {
    text-align: center;
    font-size: 36px;
    color: #0b3d91;
    margin-bottom: 40px;
}

.policy-block {
    margin-bottom: 30px;
}

.policy-block h2 {
    font-size: 24px;
    color: #0b3d91;
    margin-bottom: 10px;
}

.policy-block p {
    font-size: 16px;
    line-height: 1.6;
}

/* tnc section  */
.terms-section {
    padding: 120px 20px 50px;
    background-color: #fff;
    color: #333;
    font-family: 'Segoe UI', sans-serif;
}

.page-title {
    text-align: center;
    font-size: 36px;
    color: #0b3d91;
    margin-bottom: 40px;
}

.terms-block {
    margin-bottom: 30px;
}

.terms-block h2 {
    font-size: 24px;
    color: #0b3d91;
    margin-bottom: 10px;
}

.terms-block p {
    font-size: 16px;
    line-height: 1.6;
}

/* ================= NBFC SECTION ================= */
.nbfc-section {
    background: #f8f9fb;
    /* light neutral (works on all themes) */
    overflow: hidden;
}

.nbfc-title {
    font-size: 16px;
    color: #6c757d;
    font-weight: 500;
}

/* Slider Wrapper */
.nbfc-slider {
    position: relative;
    width: 100%;
    overflow: hidden;
}

/* Track Animation */
.nbfc-track {
    display: flex;
    width: calc(200px * 8);
    animation: scrollNBFC 20s linear infinite;
}

/* Individual Logo */
.nbfc-item {
    width: 200px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 10px 20px;
}

.nbfc-item img {
    max-width: 120px;
    opacity: 0.8;
    transition: all 0.3s ease;
}

/* Hover Effect */
.nbfc-item img:hover {
    opacity: 1;
    transform: scale(1.1);
}

/* Animation */
@keyframes scrollNBFC {
    0% {
        transform: translateX(0);
    }

    100% {
        transform: translateX(-50%);
    }
}