/* ==========================================================================
   Yatharoop Finance Solutions - Modern Premium Stylesheet
   ========================================================================== */

/* Global Reset & Core Styling */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Poppins', sans-serif;
}

:root {
    --primary-blue: #0f2e6e;
    --navy-blue: #0b2154;
    --accent-gold: #d4af37;
    --dark-gold: #c69724;
    --text-dark: #1e293b;
    --text-light: #64748b;
    --bg-light: #f8fafc;
    --white: #ffffff;
    --transition-smooth: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
    scroll-behavior: smooth;
}

body {
    background-color: var(--bg-light);
    color: var(--text-dark);
    line-height: 1.6;
    overflow-x: hidden;
}

/* Header Section */
.header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 8%;
    background: var(--white);
    box-shadow: 0 4px 20px rgba(15, 46, 110, 0.05);
    position: sticky;
    top: 0;
    z-index: 100;
}

.logo-section {
    display: flex;
    align-items: center;
    gap: 15px;
}

.logo {
    width: 65px;
    height: auto;
    object-fit: contain;
}

.logo-section h1 {
    font-size: 24px;
    font-weight: 700;
    color: var(--primary-blue);
    line-height: 1.1;
}

.logo-section p {
    font-size: 11px;
    font-weight: 600;
    color: var(--accent-gold);
    letter-spacing: 2px;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-grow: 1;
    margin-left: 50px;
}

nav {
    display: flex;
    gap: 25px;
}

nav a {
    text-decoration: none;
    color: var(--navy-blue);
    font-weight: 600;
    font-size: 13px;
    letter-spacing: 0.5px;
    position: relative;
    padding: 5px 0;
    transition: var(--transition-smooth);
}

nav a:hover,
nav a.active {
    color: var(--accent-gold);
}

nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--accent-gold);
    transition: var(--transition-smooth);
}

nav a:hover::after,
nav a.active::after {
    width: 100%;
}

.header-right {
    display: flex;
    align-items: center;
    gap: 25px;
}

.header-phone {
    text-decoration: none;
    color: var(--navy-blue);
    font-weight: 700;
    font-size: 14px;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition-smooth);
}

.header-phone i {
    color: var(--accent-gold);
    font-size: 16px;
}

.header-phone:hover {
    color: var(--accent-gold);
}

.header-cta {
    text-decoration: none;
    background: var(--accent-gold);
    color: var(--white);
    font-weight: 600;
    font-size: 13px;
    padding: 10px 24px;
    border-radius: 30px;
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
    transition: var(--transition-smooth);
}

.header-cta:hover {
    background: var(--navy-blue);
    box-shadow: 0 4px 15px rgba(11, 33, 84, 0.3);
    transform: translateY(-2px);
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--navy-blue);
    font-size: 24px;
    cursor: pointer;
    padding: 5px;
    transition: var(--transition-smooth);
    z-index: 101;
}

.mobile-menu-toggle:hover {
    color: var(--accent-gold);
}

/* ==========================================================================
   Hero Slider Section
   ========================================================================== */
.slider {
    position: relative;
    width: 100%;
    height: 600px;
    overflow: hidden;
    background: radial-gradient(circle at center, #f1f7ff 0%, #e0eefe 50%, #c4ddfc 100%);
    display: flex;
    align-items: center;
}

.slide {
    position: absolute;
    width: 100%;
    height: 100%;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.8s cubic-bezier(0.4, 0, 0.2, 1), visibility 0.8s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 1;
}

.slide.active {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    z-index: 2;
}

/* Hero Glassmorphism Card */
.hero-card {
    width: 84%;
    max-width: 1150px;
    height: 480px;
    background: rgba(255, 255, 255, 0.82);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.6);
    border-radius: 24px;
    box-shadow: 0 20px 45px rgba(15, 46, 110, 0.08);
    display: flex;
    overflow: hidden;
    position: relative;
    transform: translateY(20px);
    opacity: 0;
    transition: transform 0.8s cubic-bezier(0.25, 1, 0.5, 1), opacity 0.8s ease;
    transition-delay: 0.2s;
}

.slide.active .hero-card {
    transform: translateY(0);
    opacity: 1;
}

.hero-left {
    width: 50%;
    padding: 45px 50px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.platform-tag {
    font-size: 11px;
    font-weight: 700;
    color: var(--accent-gold);
    letter-spacing: 2px;
    margin-bottom: 15px;
    display: inline-block;
}

.hero-left h2 {
    font-size: 42px;
    font-weight: 700;
    color: var(--primary-blue);
    line-height: 1.15;
    margin-bottom: 10px;
}

.gold-subtitle {
    font-size: 22px;
    font-weight: 600;
    color: var(--accent-gold);
    margin-bottom: 25px;
}

.checklist {
    list-style: none;
    margin-bottom: 30px;
}

.checklist li {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy-blue);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.checklist li i {
    color: var(--accent-gold);
    font-size: 16px;
}

.apply-btn {
    text-decoration: none;
    background: var(--accent-gold);
    color: var(--white);
    font-weight: 700;
    font-size: 14px;
    padding: 14px 40px;
    border-radius: 30px;
    width: fit-content;
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.4);
    transition: var(--transition-smooth);
}

.apply-btn:hover {
    background: var(--primary-blue);
    box-shadow: 0 4px 15px rgba(15, 46, 110, 0.4);
    transform: translateY(-2px);
}

.hero-right {
    width: 50%;
    background: rgba(255, 255, 255, 0.4);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    border-left: 1px solid rgba(255, 255, 255, 0.4);
}

/* 2x4 Badge Grid (Slide 1) */
.loan-badge-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 15px;
    padding: 30px;
    width: 100%;
    height: 100%;
}

.loan-badge {
    background: var(--white);
    border: 1px solid rgba(15, 46, 110, 0.06);
    border-radius: 14px;
    padding: 12px 18px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: 0 4px 10px rgba(15, 46, 110, 0.02);
    transition: var(--transition-smooth);
    cursor: pointer;
}

.loan-badge:hover {
    border-color: rgba(212, 175, 55, 0.4);
    box-shadow: 0 6px 15px rgba(15, 46, 110, 0.06);
    transform: translateY(-2px);
}

.loan-badge span {
    font-size: 12px;
    font-weight: 600;
    color: var(--navy-blue);
    line-height: 1.3;
}

.loan-badge span.multi-line-label {
    display: flex;
    flex-direction: column;
}

.loan-badge span.multi-line-label small {
    font-size: 9px;
    color: var(--text-light);
    font-weight: 500;
}

/* Rupee Coin Icon Stack Style */
.badge-icon-wrapper {
    position: relative;
    width: 38px;
    height: 38px;
    min-width: 38px;
    background: #eff6ff;
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
}

.badge-icon-wrapper .main-icon {
    font-size: 18px;
    color: var(--primary-blue);
}

.badge-icon-wrapper .coin-icon {
    position: absolute;
    bottom: -2px;
    right: -2px;
    width: 17px;
    height: 17px;
    background: var(--accent-gold);
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    color: var(--white) !important;
    font-size: 8px !important;
    font-weight: 700 !important;
    border: 1px solid var(--white);
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

/* Image Visual Panel (Slide 2, 3, 4) */
.img-slide-right {
    padding: 0;
    overflow: hidden;
    display: block;
    width: 50%;
    height: 100%;
}

.slide-visual {
    width: 220%;
    height: 100%;
    object-fit: cover;
    object-position: left center;
    transform-origin: left center;
    transform: scale(1.02);
    transition: transform 6s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.slide.active .slide-visual {
    transform: scale(1.08);
}


/* Glassmorphic Arrows */
.slider-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.5);
    color: var(--navy-blue);
    width: 48px;
    height: 48px;
    border-radius: 50%;
    font-size: 16px;
    cursor: pointer;
    display: flex;
    justify-content: center;
    align-items: center;
    z-index: 10;
    box-shadow: 0 4px 15px rgba(15, 46, 110, 0.05);
    transition: var(--transition-smooth);
}

.slider-arrow:hover {
    background: var(--accent-gold);
    border-color: var(--accent-gold);
    color: var(--white);
    transform: translateY(-50%) scale(1.1);
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.4);
}

.prev-arrow {
    left: 4%;
}

.next-arrow {
    right: 4%;
}

/* Slider Dots */
.slider-dots {
    position: absolute;
    bottom: 25px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 12px;
    z-index: 10;
}

.dot {
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: rgba(15, 46, 110, 0.25);
    cursor: pointer;
    transition: var(--transition-smooth);
}

.dot:hover {
    background: rgba(15, 46, 110, 0.5);
}

.dot.active {
    width: 26px;
    border-radius: 10px;
    background: var(--accent-gold);
    box-shadow: 0 0 10px rgba(212, 175, 55, 0.4);
}

/* ==========================================================================
   Welcome & Features Section
   ========================================================================== */
.welcome-section {
    padding: 70px 8%;
    text-align: center;
    background: var(--white);
}

.orange-label {
    font-size: 11px;
    font-weight: 700;
    color: var(--accent-gold);
    letter-spacing: 2px;
    display: block;
    margin-bottom: 12px;
}

.welcome-section h2 {
    font-size: 36px;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 15px;
}

.welcome-desc {
    font-size: 15px;
    color: var(--text-light);
    max-width: 650px;
    margin: 0 auto 50px;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.feature-card {
    padding: 10px;
    transition: var(--transition-smooth);
}

.feature-card:hover {
    transform: translateY(-8px);
}

.feature-icon {
    font-size: 40px;
    color: var(--accent-gold);
    margin-bottom: 20px;
    display: flex;
    justify-content: center;
    transition: var(--transition-smooth);
}

.feature-card:hover .feature-icon {
    transform: scale(1.1);
}

.feature-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy-blue);
    margin-bottom: 10px;
}

.feature-card p {
    font-size: 13px;
    color: var(--text-light);
}

/* ==========================================================================
   Our Loan Services Section (Deep Blue)
   ========================================================================== */
.services-section {
    background: var(--navy-blue);
    padding: 80px 8%;
}

.section-title-wrapper {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    margin-bottom: 50px;
}

.decor-line {
    flex-grow: 1;
    max-width: 150px;
    height: 1px;
    background: rgba(212, 175, 55, 0.4);
}

.section-title {
    color: var(--white);
    font-size: 32px;
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 10px;
    text-transform: capitalize;
}

.decor-arrow {
    color: var(--accent-gold);
    font-size: 20px;
}

.decor-arrow.small {
    font-size: 14px;
    opacity: 0.7;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
}

.service-card {
    background: var(--white);
    border-radius: 18px;
    padding: 30px 20px;
    text-align: center;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
    display: flex;
    flex-direction: column;
    align-items: center;
    transition: var(--transition-smooth);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(212, 175, 55, 0.15);
}

.service-icon-container {
    position: relative;
    width: 60px;
    height: 60px;
    background: #f0f7ff;
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    margin-bottom: 22px;
    box-shadow: 0 4px 10px rgba(15, 46, 110, 0.05);
}

.main-svc-icon {
    font-size: 26px;
    color: var(--primary-blue);
}

.svc-coin {
    position: absolute;
    bottom: -3px;
    right: -3px;
    width: 23px;
    height: 23px;
    background: var(--accent-gold);
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    color: var(--white);
    font-size: 10px;
    font-weight: 700;
    border: 2px solid var(--white);
    box-shadow: 0 2px 5px rgba(0, 0, 0, 0.15);
}

.service-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 12px;
    line-height: 1.3;
    height: 42px;
    /* Stabilizes header alignments */
    display: flex;
    align-items: center;
    justify-content: center;
}

.service-card h3 small {
    font-size: 10px;
    display: block;
    color: var(--text-light);
    margin-top: 3px;
}

.service-card p {
    font-size: 12px;
    color: var(--text-light);
    margin-bottom: 25px;
    height: 54px;
    /* Stabilizes desc paragraph alignments */
    overflow: hidden;
}

.learn-more-btn {
    text-decoration: none;
    background: var(--accent-gold);
    color: var(--white);
    font-weight: 600;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 8px 24px;
    border-radius: 20px;
    box-shadow: 0 3px 8px rgba(212, 175, 55, 0.25);
    transition: var(--transition-smooth);
    margin-top: auto;
}

.learn-more-btn:hover {
    background: var(--navy-blue);
    box-shadow: 0 3px 8px rgba(11, 33, 84, 0.25);
    transform: scale(1.05);
}

/* ==========================================================================
   Banner CTA Section
   ========================================================================== */
.banner-cta {
    position: relative;
    margin: 40px 8%;
    padding: 45px 60px;
    background: linear-gradient(135deg, #f5b722 0%, #d4af37 100%);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 10px 25px rgba(212, 175, 55, 0.35);
}

/* Subtle architectural/city silhouette overlay placeholder */
.cityscape-overlay {
    position: absolute;
    left: 0;
    top: 0;
    width: 100%;
    height: 100%;
    opacity: 0.08;
    background-image: radial-gradient(circle at 80% 80%, #000 10%, transparent 11%),
        linear-gradient(to right, transparent 50%, #000 50%, #000 60%, transparent 60%);
    pointer-events: none;
}

.banner-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    position: relative;
    z-index: 2;
}

.banner-content h2 {
    color: var(--navy-blue);
    font-size: 28px;
    font-weight: 700;
    letter-spacing: -0.5px;
}

.enquire-now-btn {
    text-decoration: none;
    background: var(--navy-blue);
    color: var(--white);
    font-weight: 700;
    font-size: 13px;
    padding: 14px 35px;
    border-radius: 8px;
    letter-spacing: 0.5px;
    box-shadow: 0 4px 15px rgba(11, 33, 84, 0.3);
    transition: var(--transition-smooth);
}

.enquire-now-btn:hover {
    background: var(--primary-blue);
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(11, 33, 84, 0.4);
}

/* ==========================================================================
   Enquiry Form Section
   ========================================================================== */
.enquiry {
    padding: 70px 8%;
    background: var(--white);
    text-align: center;
}

.enquiry-subtitle {
    font-size: 14px;
    color: var(--text-light);
    margin-bottom: 40px;
}

.enquiry form {
    max-width: 800px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    text-align: left;
}

.form-group {
    position: relative;
    display: flex;
    align-items: center;
}

.form-group.full-width {
    grid-column: span 2;
}

.form-icon {
    position: absolute;
    left: 20px;
    color: var(--accent-gold);
    font-size: 16px;
    pointer-events: none;
}

.form-icon.message-icon {
    top: 20px;
}

.enquiry form input,
.enquiry form select,
.enquiry form textarea {
    width: 100%;
    padding: 16px 20px 16px 50px;
    border: 1px solid rgba(15, 46, 110, 0.12);
    border-radius: 12px;
    font-size: 14px;
    color: var(--navy-blue);
    background-color: var(--bg-light);
    outline: none;
    transition: var(--transition-smooth);
}

.enquiry form select {
    appearance: none;
    -webkit-appearance: none;
    cursor: pointer;
}

/* Custom Arrow for Select */
.form-group:has(select)::after {
    content: '\f107';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    position: absolute;
    right: 20px;
    color: var(--accent-gold);
    pointer-events: none;
}

.enquiry form input:focus,
.enquiry form select:focus,
.enquiry form textarea:focus {
    border-color: var(--accent-gold);
    background-color: var(--white);
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.08);
}

.submit-btn {
    grid-column: span 2;
    padding: 16px;
    background: var(--navy-blue);
    color: var(--white);
    font-weight: 700;
    font-size: 15px;
    border: none;
    border-radius: 12px;
    cursor: pointer;
    box-shadow: 0 4px 15px rgba(11, 33, 84, 0.2);
    transition: var(--transition-smooth);
    text-align: center;
}

.submit-btn:hover {
    background: var(--accent-gold);
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
    transform: translateY(-2px);
}

/* Form Feedback Messages */
.form-message {
    grid-column: span 2;
    padding: 14px 20px;
    border-radius: 12px;
    font-size: 14px;
    font-weight: 500;
    display: none;
    align-items: center;
    gap: 10px;
    margin-top: 10px;
    transition: var(--transition-smooth);
}

.form-message.success {
    display: flex;
    background-color: #ecfdf5;
    color: #065f46;
    border: 1px solid #a7f3d0;
}

.form-message.error {
    display: flex;
    background-color: #fef2f2;
    color: #991b1b;
    border: 1px solid #fecaca;
}

.form-message.loading {
    display: flex;
    background-color: #f0f7ff;
    color: #1e40af;
    border: 1px solid #bfdbfe;
}


/* ==========================================================================
   Horizontal Contact Bar Section
   ========================================================================== */
.contact-bar {
    display: flex;
    justify-content: space-between;
    background: var(--white);
    border-top: 1px solid #e2e8f0;
    border-bottom: 1px solid #e2e8f0;
    padding: 24px 8%;
}

.contact-col {
    display: flex;
    align-items: center;
    gap: 15px;
}

.contact-bar-icon {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: #f0f7ff;
    border: 1px solid rgba(15, 46, 110, 0.06);
    display: flex;
    justify-content: center;
    align-items: center;
    color: var(--primary-blue);
    font-size: 16px;
}

.contact-bar-icon.whatsapp-icon {
    background: #ecfdf5;
    color: #10b981;
}

.contact-bar-text {
    display: flex;
    flex-direction: column;
}

.contact-bar-text .label {
    font-size: 10px;
    font-weight: 600;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.contact-bar-text .value {
    font-size: 13px;
    font-weight: 700;
    color: var(--navy-blue);
}

/* Floating WhatsApp Button */
.whatsapp {
    position: fixed;
    bottom: 25px;
    right: 25px;
    background: #25d366;
    width: 54px;
    height: 54px;
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    color: var(--white);
    font-size: 28px;
    text-decoration: none;
    box-shadow: 0 4px 15px rgba(37, 211, 102, 0.35);
    z-index: 99;
    transition: var(--transition-smooth);
}

.whatsapp:hover {
    transform: scale(1.1);
    box-shadow: 0 6px 20px rgba(37, 211, 102, 0.5);
}

/* ==========================================================================
   Footer Section
   ========================================================================== */
footer {
    background: var(--navy-blue);
    color: var(--white);
    padding: 70px 8% 30px;
    border-top: 2px solid rgba(255, 255, 255, 0.04);
}

.footer-container {
    display: grid;
    grid-template-columns: 2fr 1fr 1.2fr;
    gap: 60px;
}

.footer-col {
    display: flex;
    flex-direction: column;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px;
}

.footer-logo img {
    width: 50px;
    height: auto;
    filter: brightness(0) invert(1);
    /* Makes the logo white */
}

.footer-logo h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--white);
    line-height: 1.1;
}

.footer-logo p {
    font-size: 9px;
    font-weight: 600;
    color: var(--accent-gold);
    letter-spacing: 2px;
}

.brand-text {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 30px;
    max-width: 380px;
}

.copyright {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.4);
}

.footer-col h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 25px;
    position: relative;
    padding-bottom: 8px;
}

.footer-col h4::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 30px;
    height: 2px;
    background-color: var(--accent-gold);
}

.links-col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.links-col ul li a {
    text-decoration: none;
    color: rgba(255, 255, 255, 0.7);
    font-size: 13px;
    font-weight: 500;
    transition: var(--transition-smooth);
}

.links-col ul li a:hover {
    color: var(--accent-gold);
    padding-left: 5px;
}

.social-links {
    display: flex;
    gap: 12px;
    margin-bottom: 35px;
}

.social-links a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    color: var(--white);
    font-size: 14px;
    text-decoration: none;
    transition: var(--transition-smooth);
}

.social-links a.facebook {
    background-color: #3b5998;
}

.social-links a.instagram {
    background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%);
}

.social-links a.whatsapp-soc {
    background-color: #25d366;
}

.social-links a.linkedin {
    background-color: #0077b5;
}

.social-links a:hover {
    transform: translateY(-4px);
    box-shadow: 0 4px 10px rgba(255, 255, 255, 0.2);
}

.credit {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.5);
    display: flex;
    align-items: center;
    gap: 6px;
}

.credit-heart {
    color: #ef4444;
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */

@media (max-width: 1200px) {
    .header {
        padding: 15px 4%;
    }

    .hero-card {
        width: 90%;
        height: auto;
        flex-direction: column;
    }

    .hero-left,
    .hero-right {
        width: 100%;
    }

    .hero-left {
        padding: 35px;
    }

    .hero-right {
        border-left: none;
        border-top: 1px solid rgba(255, 255, 255, 0.4);
    }

    .img-slide-right {
        width: 100%;
        height: 320px;
    }

    .slide-visual {
        width: 100%;
        height: 100%;
        object-fit: cover;
        object-position: center;
    }

    .slider {
        height: 800px;
    }

    .services-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 992px) {
    .mobile-menu-toggle {
        display: block;
    }

    .nav-container {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: rgba(255, 255, 255, 0.98);
        backdrop-filter: blur(20px);
        -webkit-backdrop-filter: blur(20px);
        padding: 35px 8%;
        box-shadow: 0 15px 30px rgba(15, 46, 110, 0.1);
        border-top: 1px solid rgba(15, 46, 110, 0.08);
        gap: 30px;
        align-items: center;
        z-index: 99;
        transition: var(--transition-smooth);
    }

    .header.nav-open .nav-container {
        display: flex;
    }

    nav {
        flex-direction: column;
        align-items: center;
        gap: 20px;
        width: 100%;
    }

    nav a {
        font-size: 15px;
        padding: 8px 0;
        width: 100%;
        text-align: center;
    }

    .header-right {
        flex-direction: column;
        align-items: center;
        gap: 20px;
        width: 100%;
        padding-top: 10px;
        border-top: 1px solid rgba(15, 46, 110, 0.06);
    }

    .header-phone {
        font-size: 16px;
    }

    .header-cta {
        width: 100%;
        max-width: 280px;
        text-align: center;
        padding: 12px 24px;
    }

    .features-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .footer-container {
        grid-template-columns: 1.5fr 1fr;
        gap: 40px;
    }

    .social-col {
        grid-column: span 2;
    }

    .banner-content {
        flex-direction: column;
        gap: 25px;
        text-align: center;
    }

    .contact-bar {
        grid-template-columns: repeat(2, 1fr);
        display: grid;
        gap: 20px;
    }
}

@media (max-width: 768px) {
    .header {
        padding: 15px 6%;
    }

    .hero-card {
        width: 92%;
        margin: 20px auto;
    }

    .hero-left {
        padding: 30px 24px;
    }

    .hero-left h2 {
        font-size: 28px;
        line-height: 1.25;
    }

    .gold-subtitle {
        font-size: 16px;
        margin-bottom: 20px;
    }

    .checklist {
        margin-bottom: 24px;
    }

    .checklist li {
        font-size: 14px;
        margin-bottom: 10px;
    }

    .apply-btn {
        width: 100%;
        text-align: center;
        padding: 12px 30px;
    }

    .slider {
        height: 720px;
    }

    .loan-badge-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 10px;
        padding: 15px;
    }

    .loan-badge {
        padding: 10px;
        gap: 8px;
    }

    .badge-icon-wrapper {
        width: 32px;
        height: 32px;
        min-width: 32px;
    }

    .badge-icon-wrapper .main-icon {
        font-size: 14px;
    }

    .loan-badge span {
        font-size: 11px;
    }

    .services-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 15px;
    }

    .services-section {
        padding: 60px 6%;
    }

    .section-title {
        font-size: 24px;
    }

    .welcome-section {
        padding: 60px 6%;
    }

    .welcome-section h2 {
        font-size: 28px;
    }

    .enquiry {
        padding: 60px 6%;
    }

    .enquiry h2 {
        font-size: 28px;
    }

    .enquiry form {
        grid-template-columns: 1fr;
        gap: 15px;
    }

    .form-group.full-width,
    .submit-btn,
    .form-message {
        grid-column: span 1;
    }

    .contact-bar {
        grid-template-columns: 1fr;
        padding: 30px 6%;
        gap: 20px;
    }

    .contact-col {
        justify-content: center;
        border-bottom: 1px solid #f1f5f9;
        padding-bottom: 15px;
    }

    .contact-col:last-child {
        border-bottom: none;
        padding-bottom: 0;
    }

    footer {
        padding: 60px 6% 30px;
    }
}

@media (max-width: 576px) {
    .header {
        padding: 12px 5%;
    }

    .logo {
        width: 55px;
    }

    .logo-section h1 {
        font-size: 20px;
    }

    .logo-section p {
        font-size: 9px;
        letter-spacing: 1.5px;
    }

    .hero-card {
        width: 94%;
        border-radius: 16px;
    }

    .slider {
        height: 650px;
    }

    .loan-badge-grid {
        padding: 10px;
        gap: 8px;
    }

    .loan-badge {
        padding: 8px;
        gap: 6px;
    }

    .badge-icon-wrapper {
        width: 28px;
        height: 28px;
        min-width: 28px;
    }

    .badge-icon-wrapper .main-icon {
        font-size: 12px;
    }

    .badge-icon-wrapper .coin-icon {
        width: 14px;
        height: 14px;
        font-size: 7px !important;
    }

    .loan-badge span {
        font-size: 10px;
    }

    .img-slide-right {
        height: 240px;
    }

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

    .features-grid {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .footer-container {
        grid-template-columns: 1fr;
        gap: 35px;
    }

    .social-col {
        grid-column: span 1;
    }

    .banner-cta {
        padding: 30px 20px;
        margin: 30px 5%;
    }

    .banner-content h2 {
        font-size: 18px;
        line-height: 1.3;
    }

    .enquire-now-btn {
        width: 100%;
        text-align: center;
        padding: 12px 25px;
    }

    .whatsapp {
        width: 48px;
        height: 48px;
        font-size: 24px;
        bottom: 20px;
        right: 20px;
    }
}