:root {
    --primary: #1565C0;
    --primary-dark: #0D47A1;
    --primary-light: #E3F2FD;
    --white: #FFFFFF;
    --black: #1A1A1A;
    --text: #333333;
    --red: #D32F2F;
    --red-light: #FFEBEE;
    --green: #2E7D32;
    --green-light: #E8F5E9;
    --gray-bg: #F5F7FA;
    --border: #E0E0E0;

    /* legacy aliases used across templates */
    --dark: var(--black);
    --secondary: var(--primary-dark);
    --accent: var(--green);
    --light-bg: var(--gray-bg);
}

* { box-sizing: border-box; }

body {
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background: var(--white);
    padding-top: 76px;
}

h1, h2, h3, h4, h5, h6, .brand-text {
    font-family: 'Poppins', sans-serif;
}

a { text-decoration: none; }

/* NAVBAR */
#mainNavbar {
    padding: 16px 0;
    transition: all .3s ease;
    z-index: 1050;
    background: var(--white);
    box-shadow: 0 2px 10px rgba(0,0,0,.05);
    border-top: 3px solid transparent;
}
#mainNavbar.scrolled {
    padding: 10px 0;
    box-shadow: 0 4px 20px rgba(0,0,0,.1);
    border-top: 3px solid var(--primary);
}
.brand-icon {
    color: var(--primary);
    font-size: 1.7rem;
    margin-right: 10px;
}
.brand-text {
    font-weight: 700;
    font-size: 1.3rem;
    color: var(--primary);
}
.brand-accent { color: var(--black); font-weight: 400; }
.navbar-nav .nav-link {
    font-weight: 500;
    color: var(--black) !important;
    margin: 0 10px;
}
.navbar-nav .nav-link:hover { color: var(--primary) !important; }
.login-link { font-weight: 600; color: var(--black) !important; }
.navbar-toggler { border-color: var(--primary); }
.navbar-toggler-icon {
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%231565C0' stroke-width='2' stroke-linecap='round' stroke-miterlimit='10' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}
.btn-apply-now {
    background: var(--primary);
    color: #fff;
    font-weight: 600;
    padding: 8px 22px;
    border-radius: 30px;
    transition: all .25s ease;
}
.btn-apply-now:hover { background: var(--primary-dark); color: #fff; transform: translateY(-2px); }

/* HERO */
.hero-section {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    background-image:
        radial-gradient(circle at 15% 20%, rgba(255,255,255,.06) 0, transparent 40%),
        radial-gradient(circle at 85% 80%, rgba(255,255,255,.06) 0, transparent 40%),
        linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: #fff;
    padding: 100px 0 60px;
    position: relative;
    overflow: hidden;
}
.hero-badge {
    display: inline-block;
    background: rgba(255,255,255,.12);
    color: #fff;
    border: 1px solid rgba(255,255,255,.3);
    padding: 6px 16px;
    border-radius: 30px;
    font-size: .85rem;
    font-weight: 600;
    margin-bottom: 20px;
}
.hero-title {
    font-size: 3rem;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 20px;
    color: #fff;
}
.hero-title span { color: #fff; text-decoration: underline; text-decoration-color: var(--green); text-decoration-thickness: 4px; text-underline-offset: 6px; }
.hero-subtitle {
    font-size: 1.15rem;
    color: rgba(255,255,255,.85);
    margin-bottom: 30px;
    max-width: 560px;
}
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
.btn-gold {
    background: var(--green);
    color: #fff;
    font-weight: 700;
    border: none;
    padding: 12px 30px;
    border-radius: 30px;
}
.btn-gold:hover { background: #1B5E20; color: #fff; transform: translateY(-2px); }
.hero-section .btn-outline-light {
    border-radius: 30px;
    font-weight: 600;
    padding: 12px 30px;
}
.trust-badges { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 40px; }
.trust-badge {
    font-size: .88rem;
    font-weight: 600;
    color: var(--black);
    background: #fff;
    padding: 10px 18px;
    border-radius: 10px;
}
.trust-badge i { color: var(--primary); margin-right: 8px; }
.hero-illustration {
    font-size: 15rem;
    color: rgba(255,255,255,.08);
}

/* HERO STATS */
.hero-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 30px;
    border-top: 1px solid rgba(255,255,255,.2);
    padding-top: 24px;
}
.hero-stat strong {
    display: block;
    font-size: 1.6rem;
    font-weight: 800;
    color: #fff;
}
.hero-stat span { font-size: .82rem; color: rgba(255,255,255,.75); }

/* SECTION HEADING */
.section-heading { max-width: 640px; margin: 0 auto 50px; }
.section-tag {
    display: inline-block;
    color: var(--primary);
    background: var(--primary-light);
    padding: 5px 16px;
    border-radius: 20px;
    font-weight: 600;
    font-size: .8rem;
    text-transform: uppercase;
    letter-spacing: .5px;
    margin-bottom: 14px;
}
.section-heading h2 {
    font-weight: 800;
    color: var(--black);
    margin-bottom: 10px;
    position: relative;
    display: inline-block;
    padding-bottom: 12px;
}
.section-heading h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 3px;
    background: var(--primary);
}
.section-heading p { color: #666; }

/* LOAN CARDS */
.loans-section { padding: 90px 0; background: var(--white); }
.loan-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 30px 24px;
    height: 100%;
    text-align: center;
    border-top: 3px solid var(--primary);
    box-shadow: 0 4px 15px rgba(0,0,0,.04);
    transition: all .3s ease;
}
.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(21,101,192,.18);
    border-top-color: var(--primary-dark);
}
.loan-icon {
    width: 68px; height: 68px;
    background: var(--primary);
    color: #fff;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.7rem;
    margin: 0 auto 18px;
}
.loan-card h5 { font-weight: 700; margin-bottom: 16px; color: var(--black); }
.loan-meta { list-style: none; padding: 0; margin: 0 0 20px; text-align: left; }
.loan-meta li {
    display: flex; justify-content: space-between;
    padding: 6px 0;
    font-size: .85rem;
    border-bottom: 1px dashed var(--border);
    color: #666;
}
.loan-meta li strong { color: var(--green); }
.btn-loan-apply {
    display: inline-block;
    width: 100%;
    background: transparent;
    border: 2px solid var(--primary);
    color: var(--primary);
    font-weight: 600;
    padding: 8px 0;
    border-radius: 30px;
    transition: all .25s ease;
}
.btn-loan-apply:hover { background: var(--primary); color: #fff; }

/* HOW IT WORKS */
.how-section { padding: 90px 0; background: var(--gray-bg); }
.how-steps {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    position: relative;
    flex-wrap: wrap;
}
.how-steps::before {
    content: '';
    position: absolute;
    top: 56px;
    left: 10%;
    right: 10%;
    border-top: 2px dashed var(--primary);
    opacity: .4;
    z-index: 0;
}
.how-step {
    flex: 1;
    min-width: 200px;
    text-align: center;
    position: relative;
    z-index: 1;
}
.step-number {
    width: 32px; height: 32px;
    background: var(--primary);
    color: #fff;
    font-weight: 700;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 12px;
}
.step-icon {
    width: 80px; height: 80px;
    background: #fff;
    border: 2px solid var(--primary);
    color: var(--primary);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.8rem;
    margin: 0 auto 16px;
}
.how-step h5 { font-weight: 700; color: var(--black); }
.how-step p { color: #666; font-size: .9rem; padding: 0 10px; }

/* WHY CHOOSE US */
.why-section { padding: 90px 0; background: var(--white); }
.why-card {
    background: #fff;
    border: 1px solid var(--border);
    border-left: 3px solid var(--primary);
    border-radius: 14px;
    padding: 30px;
    height: 100%;
    box-shadow: 0 4px 15px rgba(0,0,0,.04);
    transition: all .3s ease;
}
.why-card:hover { transform: translateY(-6px); box-shadow: 0 12px 28px rgba(21,101,192,.14); }
.why-icon {
    width: 56px; height: 56px;
    background: var(--primary);
    color: #fff;
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
    margin-bottom: 18px;
}
.why-card h5 { font-weight: 700; color: var(--black); margin-bottom: 8px; }
.why-card p { color: #666; margin: 0; font-size: .92rem; }

/* EMI CALCULATOR */
.emi-section { padding: 90px 0; background: var(--primary-light); }
.emi-calculator {
    background: var(--primary-dark);
    border-radius: 20px;
    padding: 50px;
    color: #fff;
}
.emi-input-group { margin-bottom: 34px; }
.emi-label-row { display: flex; justify-content: space-between; margin-bottom: 10px; font-weight: 600; }
.emi-value { color: #fff; font-weight: 700; }
.form-range::-webkit-slider-thumb { background: var(--green); }
.form-range::-moz-range-thumb { background: var(--green); }
.form-range { accent-color: var(--green); }
.emi-result { text-align: center; }
.emi-pie-wrap { display: flex; flex-direction: column; align-items: center; margin-bottom: 30px; }
.emi-pie {
    width: 200px; height: 200px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    background: conic-gradient(var(--primary) 0% 50%, var(--green) 50% 100%);
    margin-bottom: 16px;
}
.emi-pie-center {
    width: 140px; height: 140px;
    background: var(--primary-dark);
    border-radius: 50%;
    display: flex; flex-direction: column; align-items: center; justify-content: center;
}
.emi-pie-center span { font-size: 1.3rem; font-weight: 700; color: var(--green); }
.emi-pie-center small { color: rgba(255,255,255,.6); }
.emi-legend { display: flex; gap: 20px; font-size: .85rem; }
.emi-legend .dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; margin-right: 6px; }
.dot-principal { background: var(--primary); }
.dot-interest { background: var(--green); }
.emi-stats { display: flex; flex-direction: column; gap: 14px; }
.emi-stat {
    display: flex; justify-content: space-between;
    background: rgba(255,255,255,.08);
    padding: 14px 20px;
    border-radius: 10px;
}
.emi-stat strong { color: var(--green); }
.emi-stat:first-child strong { color: #fff; }

/* TESTIMONIALS */
.testimonials-section { padding: 90px 0; background: var(--white); }
.testimonial-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 30px;
    height: 100%;
    box-shadow: 0 4px 15px rgba(0,0,0,.04);
    position: relative;
}
.testimonial-card::before {
    content: '\f10d';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    position: absolute;
    top: 20px;
    right: 24px;
    color: var(--primary-light);
    font-size: 1.8rem;
}
.stars { color: #F5B800; margin-bottom: 14px; }
.testimonial-card p { color: #555; font-style: italic; margin-bottom: 20px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.avatar {
    width: 44px; height: 44px;
    background: var(--primary);
    color: #fff;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-weight: 700;
}
.testimonial-author strong { display: block; color: var(--black); }
.testimonial-author span { font-size: .8rem; color: #888; }

/* CONTACT */
.contact-section { padding: 90px 0; }
.contact-box {
    background: var(--primary-dark);
    color: #fff;
    border-radius: 20px;
    padding: 50px;
}
.contact-box h2 { font-weight: 800; margin-bottom: 12px; color: #fff; }
.contact-details { list-style: none; padding: 0; margin: 20px 0 0; }
.contact-details li { margin-bottom: 12px; font-weight: 500; display: flex; align-items: center; }
.contact-details i {
    width: 34px; height: 34px;
    background: rgba(255,255,255,.12);
    border-radius: 50%;
    display: inline-flex; align-items: center; justify-content: center;
    margin-right: 12px;
    color: #fff;
}
.contact-section .btn-gold { background: var(--green); }
.contact-section .btn-gold:hover { background: #1B5E20; }

/* FOOTER */
.site-footer { background: var(--black); color: rgba(255,255,255,.65); padding: 60px 0 24px; }
.footer-brand .brand-text { color: #fff; }
.footer-brand .brand-icon { color: var(--primary); }
.footer-brand .brand-accent { color: rgba(255,255,255,.7); }
.footer-about { font-size: .9rem; max-width: 320px; }
.footer-heading { color: #fff; font-weight: 700; margin-bottom: 18px; }
.footer-links { list-style: none; padding: 0; margin: 0; font-size: .9rem; }
.footer-links li { margin-bottom: 10px; color: rgba(255,255,255,.6); }
.footer-links a { color: rgba(255,255,255,.6); }
.footer-links a:hover { color: var(--primary); }
.social-icons a {
    width: 36px; height: 36px;
    background: rgba(255,255,255,.08);
    color: #fff;
    border-radius: 50%;
    display: inline-flex; align-items: center; justify-content: center;
    margin-right: 8px;
    transition: background .2s ease;
}
.social-icons a:hover { background: var(--primary); }
.footer-divider { border-color: rgba(255,255,255,.1); margin: 30px 0 20px; }
.footer-bottom { font-size: .85rem; color: rgba(255,255,255,.5); }
.footer-bottom strong { color: rgba(255,255,255,.75); }

@media (max-width: 992px) {
    .hero-title { font-size: 2.2rem; }
    .how-steps::before { display: none; }
    .emi-calculator { padding: 30px; }
}