/* ===========================
   GOOGLE FONT
=========================== */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800&display=swap');

*{
margin:0;
padding:0;
box-sizing:border-box;
font-family:'Poppins',sans-serif;
scroll-behavior:smooth;
}

body{
background:#f5f7fb;
color:#222;
line-height:1.7;
overflow-x:hidden;
}

/* ===========================
HEADER
=========================== */

header{
position:fixed;
top:0;
left:0;
width:100%;
display:flex;
justify-content:space-between;
align-items:center;
padding:18px 8%;
background:#FFFFFF;
border-bottom:1px solid #E8EEF5;
box-shadow:0 2px 12px rgba(0,0,0,.05);
z-index:1000;
}

.logo h2{
color:#123B5D;
font-size:30px;
font-weight:700;
}

.logo p{
color:#64748B;
font-size:13px;
margin-top:2px;
}

nav ul{
display:flex;
list-style:none;
gap:30px;
}

nav ul li a{
text-decoration:none;
color:#123B5D;
font-weight:600;
transition:.3s;
}

nav ul li a:hover{
color:#1EA7FD;
}

.btn{
display:inline-block;
background:#0A4D68;
color:#FFFFFF;
padding:12px 28px;
border-radius:12px;
text-decoration:none;
font-weight:600;
transition:.3s;
}

.btn:hover{
background:#083C52;
transform:translateY(-2px);
box-shadow:0 10px 20px rgba(10,77,104,.15);
}

/* ================= HERO ================= */
.hero{
    min-height:100vh;
    display:flex;
    align-items:center;
    background:linear-gradient(180deg,#FFFFFF 0%,#F5FCFF 100%);
    color:#123B5D;
    padding:120px 8% 80px;
}

.hero-container{
    width:100%;
    display:grid;
    grid-template-columns:1.2fr 1fr;
    gap:60px;
    align-items:center;
}

.hero-tag{
    display:inline-block;
    background:#E8F7FF;
    color:#0A4D68;
    border:1px solid #CBEFFF;
    padding:10px 18px;
    border-radius:30px;
    margin-bottom:25px;
    font-size:14px;
}

.hero-left h1{
    font-size:58px;
    line-height:1.2;
    margin-bottom:25px;
    color:#123B5D;
}

.hero-left h1 span{
    color:#1EA7FD;
}

.hero-left p{
    font-size:18px;
    color:#5F6B7A;
    margin-bottom:35px;
    line-height:1.8;
}

.hero-buttons{
    display:flex;
    gap:20px;
    margin-bottom:35px;
}

.hero-features{
    display:flex;
    flex-wrap:wrap;
    gap:20px;
}

.hero-features div{
    background:#FFFFFF;
    border:1px solid #E5EEF5;
    padding:12px 18px;
    border-radius:12px;
    box-shadow:0 6px 20px rgba(0,0,0,.05);
}

.hero-features i{
    color:#0A4D68;
    margin-right:8px;
}

.hero-right{
    display:flex;
    justify-content:center;
}

.glass-card{
    width:340px;
    padding:40px;
    text-align:center;
    background:#FFFFFF;
    border:1px solid #E5EEF5;
    border-radius:20px;
    box-shadow:0 12px 35px rgba(0,0,0,.08);
}

.glass-card i{
    color:#0A4D68;
    margin-bottom:20px;
}

.glass-card h3{
    margin-bottom:15px;
    font-size:28px;
    color:#123B5D;
}

.glass-card p{
    color:#5F6B7A;
}
@media(max-width:900px){

.hero-container{
grid-template-columns:1fr;
text-align:center;
}

.hero-buttons{
justify-content:center;
}

.hero-features{
justify-content:center;
}

.hero-left h1{
font-size:40px;
}

.glass-card{
width:100%;
max-width:360px;
}

}


/* ===========================
SECTION SPACING
=========================== */

section{
padding:100px 8%;
}

.container{
max-width:1200px;
margin:0 auto;
}

.title{
font-size:44px;
font-weight:700;
color:#123B5D;
text-align:center;
line-height:1.2;
margin-bottom:15px;
}

.title::after{
content:"";
display:block;
width:70px;
height:4px;
background:#0A4D68;
border-radius:10px;
margin:18px auto 0;
}

.subtitle{
max-width:720px;
margin:0 auto 60px;
text-align:center;
font-size:18px;
line-height:1.8;
color:#64748B;
}

/* ===========================
ABOUT
=========================== */

.about{
max-width:1100px;
margin:60px auto;
background:#FFFFFF;
padding:50px;
border-radius:20px;
border:1px solid #E8EEF5;
box-shadow:0 10px 30px rgba(0,0,0,.05);
transition:all .3s ease;
}

.about:hover{
transform:translateY(-5px);
box-shadow:0 20px 40px rgba(10,77,104,.08);
}

.about h3{
font-size:34px;
font-weight:700;
color:#123B5D;
margin-bottom:20px;
}

.about p{
font-size:17px;
color:#5F6B7A;
line-height:1.9;
margin-bottom:18px;
}

/* ===========================
SERVICES
=========================== */
.cards{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
gap:30px;
margin-top:40px;
}

.card{
background:#FFFFFF;
padding:35px;
border-radius:16px;
text-align:center;
border:1px solid #E8EEF5;
box-shadow:0 8px 20px rgba(0,0,0,.05);
transition:all .3s ease;
}

.card:hover{
transform:translateY(-8px);
box-shadow:0 18px 35px rgba(10,77,104,.12);
border-color:#0A4D68;
}

.card i{
font-size:48px;
color:#0A4D68;
margin-bottom:18px;
}

.card h3{
margin-bottom:12px;
font-size:22px;
font-weight:600;
color:#123B5D;
}

.card p{
color:#5F6B7A;
line-height:1.8;
}

/* ===========================
WHY CHOOSE US
=========================== */

.why{
background:#F8FCFF;
}

.features{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
gap:30px;
margin-top:40px;
}

.features div{
background:#FFFFFF;
padding:30px;
border-radius:18px;
border:1px solid #E8EEF5;
box-shadow:0 8px 20px rgba(0,0,0,.05);
transition:all .3s ease;
}

.features div:hover{
transform:translateY(-8px);
box-shadow:0 18px 35px rgba(10,77,104,.12);
border-color:#0A4D68;
}

.features i{
font-size:24px;
color:#0A4D68;
margin-right:12px;
}

.features h3{
font-size:22px;
color:#123B5D;
margin-bottom:12px;
}

.features p{
color:#5F6B7A;
line-height:1.8;
}

/* ===========================
PARTNER BANKS
=========================== */

.banks{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
gap:20px;
margin-top:30px;
}

.banks div{
background:#0A4D68;
color:#fff;
padding:25px;
text-align:center;
border-radius:12px;
font-size:18px;
font-weight:600;
transition:.3s;
}

.banks div:hover{
background:#0A4D68;
color:#000;
transform:scale(1.05);
}
/* ===========================
EMI CALCULATOR
=========================== */

.calculator{
max-width:550px;
margin:auto;
background:#fff;
padding:35px;
border-radius:18px;
box-shadow:0 10px 25px rgba(0,0,0,.08);
}

.calculator input,
.calculator button{
width:100%;
padding:15px;
margin:10px 0;
border-radius:10px;
border:1px solid #ccc;
font-size:16px;
}

.calculator input:focus{
outline:none;
border-color:#0A4D68;
}

.calculator button{
background:#0A4D68;
color:#fff;
font-weight:600;
border:none;
cursor:pointer;
transition:.3s;
}

.calculator button:hover{
background:#0A4D68;
color:#000;
}

#result{
margin-top:20px;
text-align:center;
color:#0A4D68;
font-size:22px;
font-weight:700;
}

/* ===========================
CONTACT
=========================== */

form{
background:#FFFFFF;
padding:35px;
border-radius:18px;
border:1px solid #E8EEF5;
box-shadow:0 10px 30px rgba(0,0,0,.05);
}

form input,
form select,
form textarea{
width:100%;
padding:15px 18px;
margin-bottom:18px;
border:1px solid #D7E3EC;
border-radius:12px;
font-size:16px;
background:#FAFCFE;
color:#123B5D;
transition:.3s;
}

form input:focus,
form select:focus,
form textarea:focus{
outline:none;
border-color:#0A4D68;
background:#FFFFFF;
box-shadow:0 0 0 4px rgba(10,77,104,.08);
}

form textarea{
resize:vertical;
min-height:120px;
}

form button{
width:100%;
padding:15px;
background:#0A4D68;
color:#fff;
border:none;
border-radius:12px;
font-size:16px;
font-weight:600;
cursor:pointer;
transition:.3s;
}

form button:hover{
background:#083C52;
transform:translateY(-2px);
}

/* ===========================
FOOTER
=========================== */

footer{
background:#0F172A;
color:#E5E7EB;
padding:70px 8% 25px;
margin-top:80px;
}

.footer-container{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
gap:40px;
margin-bottom:40px;
}

.footer-container h3,
.footer-container h4{
color:#FFFFFF;
margin-bottom:18px;
}

.footer-container p{
color:#CBD5E1;
line-height:1.8;
}

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

.footer-container ul li{
margin-bottom:12px;
}

.footer-container ul li a{
text-decoration:none;
color:#CBD5E1;
transition:.3s;
}

.footer-container ul li a:hover{
color:#38BDF8;
padding-left:5px;
}

.footer-bottom{
border-top:1px solid rgba(255,255,255,.12);
margin-top:35px;
padding-top:20px;
text-align:center;
font-size:14px;
color:#94A3B8;
}
/* ===========================
FLOATING EMAIL BUTTON
=========================== */

.whatsapp{
position:fixed;
right:20px;
bottom:20px;
width:60px;
height:60px;
border-radius:50%;
background:#0A4D68;
color:#000;
display:flex;
align-items:center;
justify-content:center;
font-size:28px;
text-decoration:none;
box-shadow:0 10px 25px rgba(0,0,0,.25);
transition:.3s;
}

.whatsapp:hover{
transform:scale(1.1);
}

/* ===========================
RESPONSIVE
=========================== */
@media(max-width:768px){

header{
padding:15px 20px;
flex-direction:column;
}

.logo{
margin-bottom:12px;
}

nav ul{
flex-wrap:wrap;
justify-content:center;
gap:18px;
margin:10px 0;
}

.hero{
padding:120px 20px 70px;
text-align:center;
}

.hero-container{
grid-template-columns:1fr;
gap:40px;
}

.hero-left h1{
font-size:38px;
}

.hero-left p{
font-size:17px;
}

.hero-buttons{
justify-content:center;
flex-wrap:wrap;
}

.hero-features{
justify-content:center;
}

.title{
font-size:30px;
}

.about{
padding:25px;
}

.cards,
.features,
.banks,
.process{
grid-template-columns:1fr;
}

.glass-card{
width:100%;
max-width:360px;
margin:auto;
}

.btn{
width:100%;
text-align:center;
}

}

/* ===========================
LOAN PROCESS
=========================== */

.process{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
gap:30px;
margin-top:45px;
}

.step{
background:#FFFFFF;
padding:35px 25px;
border-radius:18px;
border:1px solid #E8EEF5;
box-shadow:0 8px 20px rgba(0,0,0,.05);
text-align:center;
transition:all .3s ease;
position:relative;
}

.step:hover{
transform:translateY(-8px);
box-shadow:0 18px 35px rgba(10,77,104,.12);
border-color:#0A4D68;
}

.step-number{
width:60px;
height:60px;
margin:0 auto 20px;
border-radius:50%;
background:#0A4D68;
color:#FFFFFF;
display:flex;
align-items:center;
justify-content:center;
font-size:24px;
font-weight:700;
}

.step h3{
font-size:22px;
color:#123B5D;
margin-bottom:12px;
}

.step p{
color:#5F6B7A;
line-height:1.8;
}

/* ===========================
FAQ
=========================== */

.faq{
max-width:900px;
margin:0 auto;
}

.faq-item{
background:#FFFFFF;
border:1px solid #E8EEF5;
border-radius:16px;
margin-bottom:18px;
padding:22px 25px;
box-shadow:0 6px 18px rgba(0,0,0,.05);
transition:all .3s ease;
}

.faq-item:hover{
transform:translateY(-3px);
box-shadow:0 12px 25px rgba(10,77,104,.10);
}

.faq-item h3{
font-size:20px;
color:#123B5D;
margin-bottom:12px;
font-weight:600;
}

.faq-item p{
color:#5F6B7A;
line-height:1.8;
font-size:16px;
}

/* ===========================
BANKING PARTNERS
=========================== */

.bank-subtitle{
text-align:center;
color:#5F6B7A;
margin-top:-15px;
margin-bottom:40px;
font-size:17px;
line-height:1.7;
}

.bank-card{
background:#FFFFFF;
padding:30px;
border-radius:18px;
text-align:center;
border:1px solid #E8EEF5;
box-shadow:0 8px 20px rgba(0,0,0,.05);
transition:all .3s ease;
}

.bank-card:hover{
transform:translateY(-8px);
box-shadow:0 18px 35px rgba(10,77,104,.12);
border-color:#0A4D68;
}

.bank-card img{
width:120px;
height:50px;
object-fit:contain;
margin-bottom:18px;
}

.bank-card p{
font-size:18px;
font-weight:600;
color:#123B5D;
transition:.3s;
}

.bank-card:hover p{
color:#0A4D68;
}

.bank-note{
text-align:center;
margin-top:35px;
font-size:15px;
color:#64748B;
line-height:1.8;
}


/* ===========================
CALL TO ACTION
=========================== */

.cta{
background:linear-gradient(135deg,#0A4D68,#163b6d);
color:#fff;
text-align:center;
padding:80px 20px;
border-radius:20px;
margin:60px 8%;
}

.cta h2{
font-size:40px;
margin-bottom:15px;
}

.cta p{
font-size:18px;
margin-bottom:30px;
color:#e5e5e5;
max-width:700px;
margin-left:auto;
margin-right:auto;
}

.cta .btn{
display:inline-block;
padding:15px 35px;
font-size:18px;
}
/* ===== Hero Stats ===== */

.hero-stats{
    display:flex;
    justify-content:center;
    gap:25px;
    margin-top:50px;
    flex-wrap:wrap;
}

.stat-box{
    background:rgba(255,255,255,0.12);
    backdrop-filter:blur(12px);
    border:1px solid rgba(255,255,255,0.15);
    border-radius:18px;
    padding:25px;
    min-width:220px;
    text-align:center;
    transition:.3s;
}

.stat-box:hover{
    transform:translateY(-8px);
    box-shadow:0 15px 35px rgba(0,0,0,.25);
}

.stat-box h2{
    color:#0A4D68;
    font-size:36px;
    margin-bottom:10px;
}

.stat-box p{
    color:#fff;
    font-size:16px;
}
/* ===== Premium Navbar ===== */

.navbar{
    position:fixed;
    top:0;
    left:0;
    width:100%;
    display:flex;
    justify-content:space-between;
    align-items:center;
    padding:18px 8%;
    background:rgba(11,37,69,.88);
    backdrop-filter:blur(12px);
    z-index:1000;
    box-shadow:0 5px 20px rgba(0,0,0,.15);
}

.logo{
    font-size:28px;
    font-weight:700;
    color:#fff;
}

.logo span{
    color:#0A4D68;
}

.nav-links{
    display:flex;
    list-style:none;
    gap:30px;
}

.nav-links a{
    text-decoration:none;
    color:#fff;
    font-weight:500;
    transition:.3s;
}

.nav-links a:hover{
    color:#0A4D68;
}

.nav-btn{
    text-decoration:none;
    background:#0A4D68;
    color:#0A4D68;
    padding:12px 25px;
    border-radius:30px;
    font-weight:600;
    transition:.3s;
}

.nav-btn:hover{
    transform:translateY(-3px);
    box-shadow:0 10px 20px rgba(0,0,0,.2);
}
footer{
background:#0A4D68;
color:#fff;
padding:60px 8% 20px;
}

.footer-container{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
gap:40px;
}

.footer-box h3{
color:#0A4D68;
margin-bottom:20px;
}

.footer-box a{
display:block;
color:#fff;
text-decoration:none;
margin-bottom:10px;
transition:.3s;
}

.footer-box a:hover{
color:#0A4D68;
padding-left:5px;
}

.footer-box p{
line-height:1.8;
}

.copyright{
text-align:center;
margin-top:40px;
padding-top:20px;
border-top:1px solid rgba(255,255,255,.2);
font-size:15px;
}
/* Back To Top */

#topBtn{
position:fixed;
bottom:25px;
right:25px;
display:none;
width:50px;
height:50px;
border:none;
border-radius:50%;
background:#0A4D68;
color:#0A4D68;
font-size:22px;
cursor:pointer;
box-shadow:0 8px 20px rgba(0,0,0,.25);
transition:.3s;
z-index:999;
}

#topBtn:hover{
transform:translateY(-5px);
}
/* ===== Mobile Menu ===== */

.menu-toggle{
    display:none;
    font-size:28px;
    color:#fff;
    cursor:pointer;
}

@media(max-width:900px){

.nav-links{
    position:absolute;
    top:80px;
    left:-100%;
    width:100%;
    background:#0A4D68;
    flex-direction:column;
    text-align:center;
    padding:25px 0;
    transition:.4s;
}

.nav-links.active{
    left:0;
}

.menu-toggle{
    display:block;
}

.nav-btn{
    display:none;
}

}
.section-subtitle{
    text-align:center;
    max-width:750px;
    margin:15px auto 40px;
    color:#666;
    font-size:16px;
    line-height:1.7;
}

/* ===========================
ANIMATIONS
=========================== */

html{
scroll-behavior:smooth;
}

section{
animation:fadeUp .8s ease;
}

@keyframes fadeUp{
0%{
opacity:0;
transform:translateY(40px);
}
100%{
opacity:1;
transform:translateY(0);
}
}

.card,
.feature,
.bank-card,
.step,
.about,
.glass-card{
transition:all .35s ease;
}

.card:hover,
.feature:hover,
.bank-card:hover,
.step:hover,
.about:hover{
transform:translateY(-8px);
}

img{
max-width:100%;
display:block;
}

a{
transition:.3s ease;
}

button{
transition:.3s ease;
}

/* ===========================
SCROLL TO TOP
=========================== */

.scroll-top{
position:fixed;
bottom:25px;
right:25px;
width:50px;
height:50px;
background:#0A4D68;
color:#FFFFFF;
border-radius:50%;
display:flex;
align-items:center;
justify-content:center;
font-size:20px;
text-decoration:none;
box-shadow:0 8px 20px rgba(10,77,104,.25);
transition:all .3s ease;
z-index:999;
}

.scroll-top:hover{
background:#083C52;
transform:translateY(-5px) scale(1.05);
}

/* ===========================
CUSTOM SCROLLBAR
=========================== */

::-webkit-scrollbar{
width:10px;
}

::-webkit-scrollbar-track{
background:#F5F8FC;
}

::-webkit-scrollbar-thumb{
background:#0A4D68;
border-radius:20px;
border:2px solid #F5F8FC;
}

::-webkit-scrollbar-thumb:hover{
background:#083C52;
}

::selection{
background:#0A4D68;
color:#FFFFFF;
}

/* ===========================
PRELOADER
=========================== */

#preloader{
position:fixed;
top:0;
left:0;
width:100%;
height:100%;
background:#FFFFFF;
display:flex;
justify-content:center;
align-items:center;
z-index:9999;
transition:opacity .5s ease, visibility .5s;
}

.loader{
width:60px;
height:60px;
border:5px solid #E8EEF5;
border-top:5px solid #0A4D68;
border-radius:50%;
animation:spin 1s linear infinite;
}

@keyframes spin{
0%{transform:rotate(0deg);}
100%{transform:rotate(360deg);}
}

#preloader.hide{
opacity:0;
visibility:hidden;
}