/* ==========================================================================
   Jindal Finance — Design tokens
   ========================================================================== */
:root{
  --primary:#198754;
  --accent:#d4af37;
  --primary-dark:#0d4f2d;
  --primary-darker:#0a3a21;
  --primary-light:#e7f4ec;
  --accent-light:#f7e7b0;
  --dark:#0e1f16;
  --soft:#f4f8f5;
  --ink:#152018;
  --muted:#657367;
  --line:rgba(20,60,38,.10);
  --shadow-sm:0 6px 20px rgba(15,45,28,.08);
  --shadow-md:0 14px 40px rgba(15,45,28,.12);
  --shadow-lg:0 24px 60px rgba(15,45,28,.18);
  --radius:18px;
  --radius-lg:26px;
  --ease:cubic-bezier(.22,1,.36,1);
  --font-display:'Poppins','Segoe UI',Inter,system-ui,sans-serif;
  --font-body:'Inter','Segoe UI',system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
}
body{font-family:var(--font-body);color:var(--ink);line-height:1.68;background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5,h6{font-family:var(--font-display)}
a{-webkit-tap-highlight-color:transparent}
::selection{background:var(--accent);color:var(--dark)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}

/* Progress bar */
#scrollProgress{position:fixed;top:0;left:0;height:3px;width:0%;background:linear-gradient(90deg,var(--accent),var(--primary));z-index:2100;transition:width .1s linear}

/* ==========================================================================
   Navbar
   ========================================================================== */
.main-nav{background:var(--primary);box-shadow:0 2px 16px rgba(0,0,0,.15);transition:padding .3s var(--ease),box-shadow .3s var(--ease),background-color .3s var(--ease);padding-top:10px;padding-bottom:10px}
.main-nav.is-scrolled{background:var(--primary-dark);box-shadow:0 10px 30px rgba(0,0,0,.22);padding-top:4px;padding-bottom:4px}
.brand-logo{width:auto;height:92px;object-fit:contain;object-position:left center;transition:height .3s var(--ease);display:block;image-rendering:-webkit-optimize-contrast}
.main-nav.is-scrolled .brand-logo{height:72px}
.main-nav .nav-link{color:#fff!important;font-weight:600;font-size:.93rem;white-space:nowrap;position:relative;padding:.55rem .6rem!important;transition:color .2s var(--ease)}
.main-nav .nav-link::after{content:'';position:absolute;left:.6rem;right:.6rem;bottom:.3rem;height:2px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.main-nav .nav-link:hover{color:#ffe9a3!important}
.main-nav .nav-link:hover::after,.main-nav .nav-link.is-active::after{transform:scaleX(1)}
.main-nav .btn-light{transition:transform .2s var(--ease),box-shadow .2s var(--ease);white-space:nowrap}
.main-nav .btn-light:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.25)}
.main-nav .dropdown-toggle::after{vertical-align:2px;opacity:.75}
.account-dropdown{border:none;border-radius:14px;box-shadow:var(--shadow-md);padding:8px;margin-top:12px!important}
.account-dropdown .dropdown-item{border-radius:9px;padding:.55rem .8rem;font-weight:600;transition:background .15s,color .15s}
.account-dropdown .dropdown-item:hover{background:var(--primary-light);color:var(--primary-dark)}
.account-dropdown .dropdown-item.text-danger:hover{background:#fdeeee;color:#c0392b!important}
.account-dropdown .dropdown-divider{margin:.35rem 0}

/* Custom animated hamburger */
.navbar-toggler:focus{box-shadow:none}
.custom-toggler{width:44px;height:44px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;background:rgba(255,255,255,.16);border:1.5px solid rgba(255,255,255,.35)!important;border-radius:10px;padding:0;flex:none}
.custom-toggler:hover{background:rgba(255,255,255,.24)}
.custom-toggler .bar{width:22px;height:2.5px;background:#fff;border-radius:2px;transition:transform .3s var(--ease),opacity .2s var(--ease);box-shadow:0 0 1px rgba(0,0,0,.2)}
.custom-toggler.is-open .bar:nth-child(1){transform:translateY(8.5px) rotate(45deg)}
.custom-toggler.is-open .bar:nth-child(2){opacity:0}
.custom-toggler.is-open .bar:nth-child(3){transform:translateY(-8.5px) rotate(-45deg)}

/* Polished mobile off-canvas */
.polished-offcanvas{width:min(86vw,360px);border:none;box-shadow:-10px 0 40px rgba(0,0,0,.25)}
.mobile-head{background:linear-gradient(135deg,var(--primary-dark),var(--dark));padding:20px}
.mobile-brand-icon{width:38px;height:38px;border-radius:50%;border:2px solid var(--accent);color:var(--accent);display:grid;place-items:center;font-size:.95rem;flex:none}
.mobile-nav{display:flex;flex-direction:column;padding:10px 0}
.mobile-menu-link{padding:14px 22px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:14px;transition:background .2s,color .2s,padding-left .2s;opacity:0;transform:translateX(-14px);animation:slideIn .35s var(--ease) forwards}
.mobile-menu-link i{width:20px;text-align:center;color:var(--primary);font-size:.95rem;transition:transform .2s var(--ease)}
.mobile-menu-link:hover{background:var(--primary-light);color:var(--primary-dark);padding-left:28px}
.mobile-menu-link:hover i{transform:scale(1.15)}
@keyframes slideIn{to{opacity:1;transform:translateX(0)}}
.mobile-menu-button{width:100%;text-align:left;background:none;border:none;border-bottom:1px solid var(--line)}
.mobile-logout-form{margin:0}
.mobile-menu-footer{padding:18px 22px 22px;border-top:1px solid var(--line);background:var(--soft)}
.mobile-menu-contact{display:flex;flex-direction:column;gap:8px}
.mobile-menu-contact a{color:var(--muted);text-decoration:none;font-size:.88rem;display:flex;align-items:center;gap:8px}
.mobile-menu-contact a i{color:var(--primary);width:16px}
.mobile-menu-contact a:hover{color:var(--primary-dark)}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero{min-height:82vh;background:linear-gradient(120deg,rgba(6,26,15,.90),rgba(6,26,15,.55)),url('/static/images/loan4.png') center/cover;display:flex;align-items:center;color:#fff;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 85% 15%,rgba(212,175,55,.18),transparent 45%);pointer-events:none}
.hero .eyebrow,.hero h1,.hero .hero-copy,.hero .hero-ctas,.hero .hero-stats,.hero .trust-card{opacity:0;animation:heroIn .7s var(--ease) forwards}
.hero .eyebrow{animation-delay:.05s}
.hero h1{animation-delay:.15s}
.hero .hero-copy{animation-delay:.28s}
.hero .hero-ctas{animation-delay:.4s}
.hero .hero-stats{animation-delay:.5s}
.hero .trust-card{animation-delay:.35s}
@keyframes heroIn{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}
@media (prefers-reduced-motion: reduce){
  .hero .eyebrow,.hero h1,.hero .hero-copy,.hero .hero-ctas,.hero .hero-stats,.hero .trust-card{animation:none;opacity:1}
}
.eyebrow,.section-heading span{font-size:.78rem;letter-spacing:.16em;font-weight:800;color:var(--accent)}
.eyebrow{display:inline-flex;align-items:center;gap:8px}
.eyebrow::before{content:'';width:26px;height:2px;background:var(--accent);display:inline-block}
.hero h1{max-width:850px;letter-spacing:-.03em;font-weight:800}
.hero-copy{max-width:800px;color:#eaf3ed}
.hero-stats{max-width:900px}
.hero-stats>div{padding:14px 16px;border-radius:14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);transition:transform .25s var(--ease),background .25s var(--ease)}
.hero-stats>div:hover{transform:translateY(-4px);background:rgba(255,255,255,.11)}
.hero-stats strong,.hero-stats small{display:block}
.hero-stats strong{font-size:.95rem;font-family:var(--font-display)}
.hero-stats strong i{color:var(--accent);margin-right:4px}
.hero-stats small{opacity:.72}
.trust-card{background:#fff;color:var(--ink);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow-lg);transition:transform .4s var(--ease);will-change:transform}
.trust-card:hover{transform:translateY(-6px) rotate(-.5deg)}
.trust-icon,.icon-circle{width:62px;height:62px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;font-size:1.4rem;margin-bottom:18px;box-shadow:0 10px 24px rgba(13,79,45,.28)}
.trust-card .trust-icon{position:relative}
.trust-card .trust-icon::after{content:'';position:absolute;inset:-7px;border:1.5px dashed var(--accent);border-radius:50%;opacity:.6}

/* ==========================================================================
   Section basics
   ========================================================================== */
.section-pad{padding:88px 0;position:relative}
.bg-soft{background:var(--soft)}
.bg-soft.dotted::before{content:'';position:absolute;inset:0;background-image:radial-gradient(var(--line) 1.4px,transparent 1.4px);background-size:22px 22px;opacity:.6;pointer-events:none}
.section-heading{text-align:center;max-width:820px;margin:0 auto 48px}
.section-heading h2{font-size:clamp(1.9rem,4vw,3rem);font-weight:800;letter-spacing:-.03em;margin:10px 0 12px}
.section-heading p{color:var(--muted);font-size:1.05rem}
.section-heading.text-start{margin-left:0;text-align:left}

/* Scroll reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in-view{opacity:1;transform:translateY(0)}
.reveal-stagger .in-view{transition-delay:calc(var(--stagger-i,0) * 80ms)}

/* ==========================================================================
   Loan Types — fluid, truly responsive grid (not just breakpoint jumps)
   ========================================================================== */
.loan-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.75rem}
@media (max-width:575.98px){.loan-grid{grid-template-columns:1fr}}
.feature-card,.benefit-card,.process-card,.content-card,.application-card{background:#fff;border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-sm);border:1px solid var(--line);height:100%}
.feature-card{transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s var(--ease);position:relative;overflow:hidden}
.feature-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(180deg,var(--accent),var(--primary));transform:scaleY(0);transform-origin:bottom;transition:transform .35s var(--ease)}
.feature-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-md);border-color:transparent}
.feature-card:hover::before{transform:scaleY(1)}
.feature-card .icon-circle{transition:transform .35s var(--ease)}
.feature-card:hover .icon-circle{transform:scale(1.08) rotate(-6deg)}
.feature-card h5,.benefit-card h5,.process-card h5{font-weight:800}
.feature-card p,.benefit-card p,.process-card p{color:var(--muted);margin-bottom:0}

/* Why choose us */
.benefit-card{transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.benefit-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.benefit-icon{font-size:2.2rem;color:var(--primary);margin-bottom:15px;transition:transform .3s var(--ease)}
.benefit-card:hover .benefit-icon{transform:scale(1.12)}
.icon-circle.small{width:48px;height:48px;font-size:1rem;margin:0 0 15px}

/* ==========================================================================
   EMI Calculator
   ========================================================================== */
.calculator-card{background:linear-gradient(145deg,#f1f9f3,#fff);padding:clamp(24px,4vw,45px);border-radius:var(--radius-lg);border:1px solid #d9eadf;box-shadow:var(--shadow-md)}
.calc-control{margin-bottom:30px}
.calc-control label{font-weight:800;margin-bottom:10px;display:flex;justify-content:space-between}
.form-range{accent-color:var(--primary);height:8px}
.form-range::-webkit-slider-runnable-track{height:8px;border-radius:6px}
.form-range::-webkit-slider-thumb{box-shadow:0 4px 10px rgba(13,79,45,.35);transition:transform .15s var(--ease)}
.form-range:active::-webkit-slider-thumb{transform:scale(1.15)}
.range-meta{display:flex;justify-content:space-between;color:var(--muted);font-size:.85rem;margin-top:6px}
.range-meta b{color:var(--primary)}
.emi-result{height:100%;border-radius:var(--radius);background:#fff;padding:38px;text-align:center;box-shadow:var(--shadow-sm);border:1px solid var(--line)}
.emi-result small{letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:700;font-size:.75rem}
.emi-result #emiResult{font-size:clamp(2.2rem,5vw,3.5rem);font-weight:900;color:var(--primary);transition:color .2s}
.emi-result span{color:var(--muted)}
.emi-result strong{display:block;font-size:1.15rem;margin-top:4px;font-family:var(--font-display)}
.formula{background:#eff7f1;border-left:5px solid var(--primary);padding:18px;border-radius:10px;font-weight:800;overflow-x:auto}
#amortizationTable tbody tr{opacity:0;animation:rowIn .35s var(--ease) forwards}
@keyframes rowIn{to{opacity:1}}

/* Process */
.process-card{position:relative;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.process-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.step-no{position:absolute;right:22px;top:20px;font-size:2.2rem;font-weight:900;color:#dcece2;font-family:var(--font-display)}

/* About */
.about-text{color:#4e5b53}
.about-panel{background:linear-gradient(145deg,var(--primary),var(--primary-darker));color:#fff;border-radius:var(--radius-lg);padding:clamp(32px,5vw,55px);text-align:center;position:relative;overflow:hidden}
.about-panel::after{content:'';position:absolute;width:220px;height:220px;border:1.5px dashed rgba(255,255,255,.25);border-radius:50%;right:-70px;bottom:-70px}
.about-panel i{font-size:4rem;color:var(--accent);margin-bottom:20px}

/* Contact / Apply */
.contact-section{background:linear-gradient(180deg,#f6faf7,#fff)}
.application-card{max-width:900px;margin:auto}
.application-card .form-control,.application-card .form-select{border-radius:10px;padding:.65rem .9rem;border:1px solid #d7e3da;transition:border-color .2s,box-shadow .2s}
.application-card .form-control:focus,.application-card .form-select:focus{border-color:var(--primary);box-shadow:0 0 0 .2rem rgba(25,135,84,.15)}
.application-card .btn-success{position:relative;overflow:hidden;transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.application-card .btn-success:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(25,135,84,.32)}
.btn.is-loading{pointer-events:none;opacity:.85}
.btn.is-loading::after{content:'';width:16px;height:16px;border-radius:50%;border:2.5px solid rgba(255,255,255,.5);border-top-color:#fff;display:inline-block;margin-left:10px;vertical-align:-3px;animation:spin .7s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* ==========================================================================
   Footer
   ========================================================================== */
.footer{background:var(--dark);color:#cdd8d1}
.footer-brand{font-size:1.6rem;font-weight:900;color:#fff;margin-bottom:12px;font-family:var(--font-display);display:flex;align-items:center;gap:10px}
.footer-brand .coin{width:34px;height:34px;border-radius:50%;border:2px solid var(--accent);display:grid;place-items:center;color:var(--accent);font-weight:800;font-size:1rem}
.footer h6{color:#fff;font-weight:800;letter-spacing:.03em;margin-bottom:16px}
.footer a{display:block;color:#cdd8d1;text-decoration:none;margin:0 0 10px;transition:color .2s,padding-left .2s;width:fit-content}
.footer a:hover{color:var(--accent);padding-left:4px}
.footer .d-flex a{display:inline-flex;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.06);align-items:center;justify-content:center;margin:0}
.footer .d-flex a:hover{background:var(--accent);color:var(--dark)}

/* Back to top */
#backToTop{position:fixed;right:22px;bottom:22px;width:46px;height:46px;border-radius:50%;background:var(--primary);color:#fff;border:none;display:grid;place-items:center;box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .3s,transform .3s,visibility .3s,background .2s;z-index:1500}
#backToTop.is-visible{opacity:1;visibility:visible;transform:translateY(0)}
#backToTop:hover{background:var(--primary-dark)}

/* ==========================================================================
   Auth pages
   ========================================================================== */
.auth-section{min-height:78vh;display:grid;place-items:center;padding:70px 20px;background:linear-gradient(160deg,var(--soft),#fff)}
.auth-card{width:min(100%,500px);background:#fff;border-radius:var(--radius-lg);padding:clamp(26px,5vw,42px);box-shadow:var(--shadow-md);border:1px solid var(--line)}
.auth-card .section-heading{margin-bottom:28px}
.auth-card .form-control{border-radius:10px;padding:.65rem .9rem;border:1px solid #d7e3da}
.auth-card .form-control:focus{border-color:var(--primary);box-shadow:0 0 0 .2rem rgba(25,135,84,.15)}
.auth-card .btn-success{transition:transform .2s var(--ease)}
.auth-card .btn-success:hover{transform:translateY(-2px)}
.legal-content{color:#4d5a52}

/* ==========================================================================
   Responsive refinements
   ========================================================================== */
@media (max-width:991.98px){
  .section-pad{padding:64px 0}
  .hero{min-height:auto;padding:64px 0 48px}
}
@media (min-width:992px) and (max-width:1199.98px){
  .brand-logo{height:76px}
  .main-nav .nav-link{padding:.55rem .45rem!important;font-size:.87rem}
  .main-nav .btn-light{padding-left:1rem!important;padding-right:1rem!important}
}
@media (max-width:767.98px){
  .brand-logo{height:68px}
  .main-nav.is-scrolled .brand-logo{height:56px}
  .hero{padding:48px 0 36px}
  .hero h1{font-size:2.35rem}
  .section-pad{padding:52px 0}
  .calculator-card{padding:22px}
  .trust-card{margin-top:28px}
  .about-panel{margin-top:24px}
  #backToTop{right:14px;bottom:14px;width:42px;height:42px}
  .footer{padding-bottom:110px}
}
@media (max-width:575.98px){
  .hero h1{font-size:2rem}
  .hero .btn-lg{width:100%}
  .hero .d-flex.gap-3{flex-direction:column}
  .application-card{padding:6px}
  .emi-result{padding:26px}
}