/* ================= ROOT VARIABLES ================= */
:root {
    --primary-color: #1e5eff;
    /* Finance Blue */
    --primary-dark: #163fc2;
    --secondary-color: #25D366;
    /* WhatsApp Green */
    --secondary-dark: #1ebd5a;
    --text-dark: #333333;
    --text-muted: #6c757d;
    --bg-white: #ffffff;
    --shadow-light: 0 8px 20px rgba(0, 0, 0, 0.06);
    --shadow-strong: 0 8px 18px rgba(37, 211, 102, 0.45);
}

/* ================= GLOBAL ================= */
body {
    font-family: "Poppins", sans-serif;
    background: #f8f9fb;
}

/* ================= NAVBAR ================= */
.finance-navbar {
    background: var(--bg-white);
    border-top: 4px solid var(--primary-color);
    box-shadow: var(--shadow-light);
    padding: 12px 0;
    z-index: 999;
}

/* LOGO */
.finance-navbar .navbar-brand img {
    height: 55px;
}

/* ================= WHATSAPP BUTTON ================= */
.whatsapp-btn {
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-dark));
    color: #ffffff !important;
    font-weight: 600;
    padding: 10px 22px !important;
    border-radius: 30px;
    display: flex;
    align-items: center;
    gap: 8px;
    animation: blinkPulse 1.5s infinite;
    box-shadow: var(--shadow-strong);
    transition: transform 0.3s ease;
}

/* ICON */
.whatsapp-btn i {
    font-size: 18px;
}

/* BLINK ANIMATION */
@keyframes blinkPulse {
    0% {
        transform: scale(1);
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6);
    }

    70% {
        transform: scale(1.05);
        box-shadow: 0 0 0 12px rgba(37, 211, 102, 0);
    }

    100% {
        transform: scale(1);
    }
}

/* ================= MOBILE ================= */
@media (max-width: 991px) {
    .finance-navbar .navbar-collapse {
        background: var(--bg-white);
        padding: 15px;
        border-radius: 12px;
        margin-top: 12px;
        box-shadow: 0 10px 25px rgba(0, 0, 0, 0.08);
        text-align: center;
    }

    .whatsapp-btn {
        justify-content: center;
        width: 100%;
    }
}













/* Banner */
.loan-hero {
    position: relative;
    padding: 100px 0;
    color: #fff;

    /* ✅ BACKGROUND FIX */
    background-image:
        linear-gradient(135deg, rgba(11, 28, 61, 0.95), rgba(30, 58, 138, 0.95)),
        url("https://img.freepik.com/free-vector/abstract-grid-line-pattern-blueprint-sheet-background_1017-54542.jpg?semt=ais_hybrid&w=740&q=80");

    background-repeat: repeat;
    background-size: auto;
    background-position: center;
}


/* TEXT */
.hero-title {
    font-size: 3rem;
    font-weight: 700;
}

.hero-title span {
    color: #7aa2ff;
}

.hero-desc {
    max-width: 520px;
    opacity: 0.9;
}

/* BADGE */
.trust-badge {
    display: inline-block;
    background: rgba(255, 255, 255, 0.15);
    padding: 6px 14px;
    border-radius: 30px;
    margin-bottom: 20px;
    font-size: 14px;
}

/* FEATURES */
.features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
    margin: 25px 0;
}

.features div {
    background: rgba(255, 255, 255, 0.1);
    padding: 10px 14px;
    border-radius: 10px;
    font-size: 14px;
}

.features i {
    margin-right: 6px;
    color: #7aa2ff;
}

/* STATS */
.stats-box {
    background: rgba(255, 255, 255, 0.12);
    padding: 25px;
    border-radius: 16px;
    max-width: 260px;
}

.stats-box h3 {
    font-size: 28px;
    margin: 0;
}

/* FORM CARD */
.apply-card {
    background: #f8fafc;
    border-radius: 20px;
    padding: 35px;
    text-align: center;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.3);
}

.icon-circle {
    width: 50px;
    height: 50px;
    background: #e0e7ff;
    border-radius: 50%;
    display: grid;
    place-items: center;
    margin: 0 auto 15px;
    color: #1e3a8a;
}

.apply-card input {
    margin: 20px 0;
    padding: 14px;
    border-radius: 12px;
    border: 2px solid #c7d2fe;
}

.apply-card button {
    width: 100%;
    padding: 14px;
    border-radius: 12px;
    border: none;
    background: #9ca3af;
    color: #fff;
    font-weight: 600;
    cursor: not-allowed;
}

.apply-card button.active {
    background: #2563eb;
    cursor: pointer;
}

.form-note {
    font-size: 13px;
    margin-top: 12px;
    color: #555;
}

/* RESPONSIVE */
@media (max-width: 768px) {
    .hero-title {
        font-size: 2.3rem;
    }

    .features {
        grid-template-columns: 1fr;
    }
}

/* INPUT SPACING */
.apply-card input {
    margin: 12px 0;
}

/* SUCCESS ICON */
.success-icon {
    font-size: 60px;
    color: #22c55e;
}

/* CONFETTI CANVAS */
#confetti-canvas {
    position: fixed;
    inset: 0;
    pointer-events: none;
    z-index: 9999;
}




.lending-advantages {
    padding: 100px 0;
    background: #f8fafc;
}

.section-title {
    font-size: 36px;
    font-weight: 700;
    color: #1f2937;
}

.section-subtitle {
    max-width: 700px;
    margin: 15px auto 30px;
    color: #64748b;
    font-size: 16px;
}

.divider {
    width: 70px;
    height: 4px;
    background: #64748b;
    margin: 0 auto 60px;
    border-radius: 10px;
}

/* SLIDER */
.adv-slider-wrapper {
    overflow: hidden;
}

.adv-slider {
    display: flex;
    gap: 24px;
    animation: slideLoop 20s linear infinite;
}

/* CARD */
.adv-card {
    min-width: 280px;
    max-width: 280px;
    padding: 35px 25px;
    border-radius: 16px;
    text-align: center;
    background: #fff;
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.08);
}

/* COLORS */
.adv-card.blue {
    background: #eef2ff;
}

.adv-card.yellow {
    background: #fff7d6;
}

.adv-card.green {
    background: #e6fffa;
}

.adv-card.purple {
    background: #f5f0ff;
}

/* ICON */
.icon-box {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    display: grid;
    place-items: center;
    font-size: 20px;
    margin: 0 auto 15px;
    background: rgba(0, 0, 0, 0.08);
}

/* TEXT */
.adv-card h5 {
    font-weight: 600;
    margin-bottom: 10px;
}

.adv-card p {
    font-size: 14px;
    color: #475569;
}

/* ANIMATION */
@keyframes slideLoop {
    from {
        transform: translateX(0);
    }

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

/* RESPONSIVE */
@media (max-width: 992px) {
    .adv-slider {
        animation-duration: 25s;
    }
}

@media (max-width: 576px) {
    .adv-card {
        min-width: 85%;
    }
}


/* cta */
.whatsapp-cta {
    padding: 100px 0;
    background: linear-gradient(135deg, #0f172a, #1e3a8a);
    color: #fff;
}

.cta-card {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 50px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 24px;
    padding: 60px;
    box-shadow: 0 30px 80px rgba(0, 0, 0, 0.3);
}

/* LEFT */
.cta-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(37, 211, 102, 0.15);
    color: #25D366;
    padding: 8px 16px;
    border-radius: 30px;
    font-size: 14px;
    margin-bottom: 20px;
}

.cta-left h2 {
    font-size: 36px;
    font-weight: 700;
}

.cta-left h2 span {
    color: #93c5fd;
}

.cta-left p {
    max-width: 480px;
    margin: 20px 0;
    color: #cbd5f5;
}

.cta-points {
    list-style: none;
    padding: 0;
}

.cta-points li {
    margin-bottom: 10px;
}

.cta-points i {
    color: #22c55e;
    margin-right: 6px;
}

/* RIGHT */
.cta-right {
    background: #ffffff;
    color: #1f2937;
    border-radius: 20px;
    padding: 40px;
    text-align: center;
}

.cta-right h4 {
    font-weight: 600;
    margin-bottom: 20px;
}

.cta-right input {
    width: 100%;
    padding: 14px;
    margin-bottom: 12px;
    border-radius: 12px;
    border: 2px solid #c7d2fe;
}

.cta-right button {
    width: 100%;
    padding: 14px;
    border-radius: 12px;
    border: none;
    background: #9ca3af;
    color: #fff;
    font-weight: 600;
    cursor: not-allowed;
}

/* ACTIVE WHATSAPP BUTTON */
.cta-right button.active {
    background: linear-gradient(135deg, #25D366, #1ebd5a);
    cursor: pointer;
    animation: whatsappBlink 1.5s infinite;
}

/* BLINK */
@keyframes whatsappBlink {
    0% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6);
    }

    70% {
        box-shadow: 0 0 0 14px rgba(37, 211, 102, 0);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0);
    }
}

/* RESPONSIVE */
@media (max-width: 992px) {
    .cta-card {
        grid-template-columns: 1fr;
        padding: 40px;
    }

    .cta-left h2 {
        font-size: 28px;
    }
}


/* FORM BLINK EFFECT */
.cta-right {
    animation: softPulse 2.5s infinite;
}

/* SOFT & PROFESSIONAL */
@keyframes softPulse {
    0% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.15);
    }

    50% {
        box-shadow: 0 0 0 12px rgba(37, 211, 102, 0.08);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.15);
    }
}









.whatsapp-blink-section {
    padding: 90px 0;
    background: linear-gradient(135deg, #0f172a, #1e3a8a);
    color: #ffffff;
}

.whatsapp-blink-section h2 {
    font-size: 36px;
    font-weight: 700;
}

.whatsapp-blink-section h2 span {
    display: block;
    color: #22c55e;
}

.whatsapp-blink-section p {
    max-width: 600px;
    margin: 15px auto 35px;
    color: #cbd5f5;
}

/* WHATSAPP BUTTON */
.whatsapp-blink-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 36px;
    border-radius: 40px;
    font-size: 18px;
    font-weight: 600;
    color: #ffffff;
    text-decoration: none;
    background: linear-gradient(135deg, #25D366, #1ebd5a);
    animation: whatsappBlinkStrong 1.4s infinite;
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6);
}

/* BLINK STRONG */
@keyframes whatsappBlinkStrong {
    0% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7);
        transform: scale(1);
    }

    70% {
        box-shadow: 0 0 0 16px rgba(37, 211, 102, 0);
        transform: scale(1.06);
    }

    100% {
        transform: scale(1);
    }
}

/* RESPONSIVE */
@media (max-width: 768px) {
    .whatsapp-blink-section h2 {
        font-size: 28px;
    }

    .whatsapp-blink-btn {
        font-size: 16px;
        padding: 14px 28px;
    }
}

/*  */

.steps-section {
    padding: 100px 0;
    background: #ffffff;
}

/* HEADER */
.steps-title {
    font-size: 38px;
    font-weight: 700;
    color: #1f2937;
}

.steps-subtitle {
    font-size: 14px;
    letter-spacing: 1px;
    color: #64748b;
    margin-top: 8px;
}

/* ICON CIRCLE */
.idea-circle {
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: #f8fafc;
    display: grid;
    place-items: center;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.08);
    margin: auto;
}

.idea-circle i {
    font-size: 90px;
    color: #facc15;
    /* bulb yellow */
}

/* TEXT */
.step-heading {
    font-size: 28px;
    font-weight: 600;
    color: #1e3a8a;
    margin-bottom: 15px;
}

.step-text {
    font-size: 16px;
    color: #475569;
    max-width: 520px;
    line-height: 1.7;
}

/* RESPONSIVE */
@media (max-width: 768px) {
    .steps-title {
        font-size: 28px;
    }

    .idea-circle {
        width: 200px;
        height: 200px;
    }

    .idea-circle i {
        font-size: 70px;
    }

    .step-heading {
        font-size: 22px;
        text-align: center;
    }

    .step-text {
        text-align: center;
        margin: auto;
    }
}


/*  */
.rep-example {
    padding: 100px 0;
    background: #f8fafc;
}

/* TITLE */
.rep-title {
    font-size: 42px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 20px;
}

.rep-desc {
    max-width: 520px;
    color: #475569;
    margin-bottom: 30px;
    font-size: 16px;
}

/* GRID */
.rep-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
}

.rep-card {
    background: #ffffff;
    border-radius: 14px;
    padding: 16px 18px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.08);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.rep-card span {
    font-size: 14px;
    color: #64748b;
}

.rep-card strong {
    color: #2563eb;
    font-weight: 600;
}

/* IMAGE */
.rep-img {
    max-width: 100%;
    height: auto;
    transform: rotate(-8deg);
}

/* RESPONSIVE */
@media (max-width: 992px) {
    .rep-title {
        font-size: 32px;
    }
}

@media (max-width: 576px) {
    .rep-grid {
        grid-template-columns: 1fr;
    }

    .rep-title,
    .rep-desc {
        text-align: center;
    }
}










/*  */
.stpl-eligibility {
    padding: 120px 0;
    background: radial-gradient(circle at top, #2d2f6b 0%, #4b237a 60%, #3b1f5e 100%);
    position: relative;
    overflow: hidden;
    color: #ffffff;
}

/* subtle floating dots */
.stpl-eligibility::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(#ffffff22 1px, transparent 1px);
    background-size: 60px 60px;
    opacity: 0.25;
    pointer-events: none;
}

/* HEADER */
.stpl-header {
    max-width: 900px;
    margin: 0 auto 70px;
    text-align: center;
}

.stpl-header h2 {
    font-size: 40px;
    font-weight: 700;
    line-height: 1.3;
}

.stpl-header h2 span {
    background: linear-gradient(90deg, #7dd3fc, #c084fc);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.stpl-underline {
    width: 70px;
    height: 3px;
    background: linear-gradient(90deg, #7dd3fc, #c084fc);
    margin: 18px auto 0;
    border-radius: 10px;
}

/* GRID */
.stpl-grid {
    max-width: 900px;
    margin: auto;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
}

/* CARD */
.stpl-card {
    background: rgba(255, 255, 255, 0.08);
    border-radius: 18px;
    padding: 26px 30px;
    display: flex;
    align-items: center;
    gap: 18px;
    backdrop-filter: blur(8px);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.stpl-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 30px 70px rgba(0, 0, 0, 0.45);
}

/* ICON */
.stpl-icon {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: rgba(0, 0, 0, 0.35);
    display: grid;
    place-items: center;
    color: #4ade80;
    font-size: 18px;
    flex-shrink: 0;
}

/* TEXT */
.stpl-card p {
    margin: 0;
    font-size: 15px;
    color: #e5e7eb;
}

/* RESPONSIVE */
@media (max-width: 768px) {
    .stpl-header h2 {
        font-size: 28px;
    }

    .stpl-grid {
        grid-template-columns: 1fr;
    }
}












/*  */
.loan-criteria-section {
    padding: 110px 0;
    background: radial-gradient(circle at left, #eef5ff, #f8fbff);
}

/* TITLE */
.loan-criteria-title {
    font-size: 42px;
    font-weight: 700;
    color: #243b53;
    margin-bottom: 40px;
}

/* GRID */
.criteria-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
    max-width: 620px;
}

/* CARD */
.criteria-card {
    background: #ffffff;
    border-radius: 14px;
    padding: 22px 24px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.08);
    border: 1px solid #e6efff;
}

.criteria-card h5 {
    font-size: 16px;
    font-weight: 600;
    color: #1e3a8a;
    margin-bottom: 6px;
}

.criteria-card p {
    margin: 0;
    font-size: 15px;
    color: #475569;
}

/* IMAGE CARD */
.criteria-image-card {
    background: #ffffff;
    border-radius: 24px;
    padding: 35px;
    box-shadow: 0 30px 70px rgba(0, 0, 0, 0.15);
    display: inline-block;
}

.criteria-image-card img {
    max-width: 100%;
    height: auto;
}

/* RESPONSIVE */
@media (max-width: 992px) {
    .loan-criteria-title {
        font-size: 32px;
        text-align: center;
    }

    .criteria-grid {
        margin: auto;
    }
}

@media (max-width: 576px) {
    .criteria-grid {
        grid-template-columns: 1fr;
    }
}







/*  */
.footer-section {
    background: linear-gradient(135deg, #0f172a, #1e293b);
    color: #e5e7eb;
    padding: 70px 0 30px;
    font-size: 15px;
}

/* TOP */
.footer-top {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.footer-info h6 {
    font-size: 15px;
    font-weight: 600;
    margin-bottom: 10px;
    color: #ffffff;
}

.footer-info i {
    color: #38bdf8;
    margin-right: 6px;
}

.footer-phone {
    font-size: 22px;
    font-weight: 700;
    color: #ffffff;
}

/* DIVIDER */
.footer-divider {
    border-color: rgba(255, 255, 255, 0.15);
    margin: 40px 0;
}

/* MIDDLE */
.footer-middle {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.footer-block h5 {
    color: #ffffff;
    font-weight: 600;
    margin-bottom: 15px;
}

.footer-block p {
    color: #cbd5f5;
    line-height: 1.7;
}

/* SOCIAL */
.social-links a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.1);
    color: #ffffff;
    margin-right: 10px;
    font-size: 18px;
    transition: all 0.3s ease;
    text-decoration: none;
}

.social-links a:hover {
    background: #38bdf8;
    color: #0f172a;
}

/* BOTTOM */
.footer-bottom {
    text-align: center;
    font-size: 14px;
    color: #94a3b8;
}

/* RESPONSIVE */
@media (max-width: 992px) {

    .footer-top,
    .footer-middle {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .social-links a {
        margin: 8px;
    }
}






/*  */
/* BACK TO TOP */
#backToTop {
    position: fixed;
    bottom: 110px;
    right: 24px;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: none;
    background: var(--primary-color);
    color: #ffffff;
    font-size: 18px;
    cursor: pointer;
    display: none;
    z-index: 999;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.25);
    transition: all 0.3s ease;
}

#backToTop:hover {
    filter: brightness(1.1);
    transform: translateY(-4px);
}

/* STICKY WHATSAPP */
.whatsapp-sticky {
    position: fixed;
    bottom: 30px;
    right: 24px;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: #25D366;
    /* WhatsApp brand color (should not be in root) */
    color: #ffffff;
    display: grid;
    place-items: center;
    font-size: 26px;
    z-index: 999;
    box-shadow: 0 12px 30px rgba(37, 211, 102, 0.5);
    animation: whatsappPulse 1.5s infinite;
}

/* BLINK / PULSE */
@keyframes whatsappPulse {
    0% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6);
    }

    70% {
        box-shadow: 0 0 0 16px rgba(37, 211, 102, 0);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0);
    }
}

/* MOBILE */
@media (max-width: 576px) {
    #backToTop {
        bottom: 100px;
        right: 18px;
    }

    .whatsapp-sticky {
        bottom: 24px;
        right: 18px;
    }
}








.cta-static {
    padding: 80px 0;
    background: #ffffff;
    border-top: 1px solid #e5e7eb;
}

.cta-title {
    font-size: 32px;
    font-weight: 700;
    color: #1f2937;
}

.cta-subtitle {
    margin-top: 10px;
    margin-bottom: 35px;
    color: #64748b;
    font-size: 16px;
}

/* BUTTON GROUP */
.cta-btn-group {
    display: flex;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
}

/* COMMON BUTTON */
.cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 36px;
    border-radius: 40px;
    font-size: 17px;
    font-weight: 600;
    text-decoration: none;
    color: #ffffff;
    white-space: nowrap;
}

/* APPLY NOW */
.apply-btn {
    background: linear-gradient(135deg, #2563eb, #1e40af);
    animation: blinkBlue 1.8s infinite;
}

/* WHATSAPP */
.whatsapp-btn {
    background: linear-gradient(135deg, #25D366, #1ebd5a);
    animation: blinkGreen 1.5s infinite;
}

/* BLINK EFFECTS */
@keyframes blinkBlue {
    0% { box-shadow: 0 0 0 0 rgba(37,99,235,0.6); }
    70% { box-shadow: 0 0 0 16px rgba(37,99,235,0); }
    100% { box-shadow: 0 0 0 0 rgba(37,99,235,0); }
}

@keyframes blinkGreen {
    0% { box-shadow: 0 0 0 0 rgba(37,211,102,0.6); }
    70% { box-shadow: 0 0 0 16px rgba(37,211,102,0); }
    100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); }
}

/* MOBILE */
@media (max-width: 768px) {
    .cta-title {
        font-size: 26px;
    }

    .cta-btn {
        font-size: 15px;
        padding: 14px 28px;
    }
}