/* =========================================================
   CreditDigital Landing Page
   ========================================================= */

:root {
  --primary: #1268E8;
  --primary-dark: #0E56C4;
  --primary-soft: #2F80ED;
  --navy: #0B1F44;
  --light-blue: #EAF4FF;
  --very-light-blue: #F5FAFF;
  --white: #FFFFFF;
  --text: #5F6B7A;
  --text-dark: #1A2B4A;
  --border: #E4EAF2;
  --success: #15966A;
  --orange: #E67E22;
  --star: #F5A623;
  --shadow-sm: 0 2px 8px rgba(11, 31, 68, 0.04);
  --shadow-md: 0 8px 28px rgba(11, 31, 68, 0.08);
  --shadow-card: 0 12px 40px rgba(18, 104, 232, 0.10);
  --radius: 14px;
  --radius-sm: 10px;
  --radius-pill: 999px;
  --container: 1200px;
  --section-y: 64px;
  --header-h: 72px;
  --font: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font);
  font-size: 15px;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
}

ul,
ol {
  list-style: none;
}

button,
input,
select {
  font: inherit;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

svg {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.container {
  /* width: calc(100% - 40px); */
  /* max-width: var(--container); */
  width: 75%;
  margin-inline: auto;
}

.section {
  padding: var(--section-y) 0;
}

.section-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 40px;
}

.section-title {
  font-size: clamp(1.55rem, 2.4vw, 2rem);
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin-bottom: 10px;
}

.section-sub {
  font-size: 0.95rem;
  color: var(--text);
  line-height: 1.65;
}

.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 12px;
}

.text-accent {
  color: var(--primary);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.92rem;
  line-height: 1;
  border-radius: 10px;
  padding: 12px 20px;
  transition: background-color 0.2s ease, transform 0.15s ease, box-shadow 0.2s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(18, 104, 232, 0.28);
}

.btn-primary:hover {
  background: var(--primary-dark);
}

.btn-sm {
  padding: 10px 16px;
  font-size: 0.875rem;
  border-radius: 999px;
}

.btn-block {
  width: 100%;
  padding: 16px 20px;
  font-size: 1rem;
  border-radius: 12px;
}

.btn-icon {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

.btn-icon circle,
.btn-icon path {
  stroke: currentColor;
  fill: none;
}

.btn-arrow {
  font-weight: 500;
  margin-left: 2px;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}

.brand-logo {
  height: 44px;
  width: auto;
  object-fit: contain;
}

.header-cta {
  flex-shrink: 0;
  margin-left: auto;
}

.header-cta .btn-icon {
  width: 15px;
  height: 15px;
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 40px 0 52px;
  overflow: hidden;
  background:
    linear-gradient(180deg, var(--very-light-blue) 0%, var(--white) 48%, var(--white) 100%);
}

.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}

.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(40px);
  opacity: 0.55;
}

.hero-blob--1 {
  width: 420px;
  height: 420px;
  right: -80px;
  top: 40px;
  background: radial-gradient(circle, #cfe4ff 0%, transparent 70%);
}

.hero-blob--2 {
  width: 280px;
  height: 280px;
  left: -60px;
  bottom: 20px;
  background: radial-gradient(circle, #ddeeff 0%, transparent 70%);
}

.hero-dots {
  position: absolute;
  right: 8%;
  bottom: 12%;
  width: 120px;
  height: 80px;
  background-image: radial-gradient(var(--primary) 1.2px, transparent 1.2px);
  background-size: 14px 14px;
  opacity: 0.12;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(400px, 1fr);
  gap: 36px;
  align-items: center;
}

.hero-title {
  font-size: clamp(2rem, 3.6vw, 2.85rem);
  font-weight: 800;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -0.03em;
  margin-bottom: 14px;
}

.hero-lead {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.hero-lead strong {
  color: var(--primary);
  font-weight: 700;
}

.hero-text {
  font-size: 0.95rem;
  color: var(--text);
  max-width: 520px;
  margin-bottom: 24px;
  line-height: 1.7;
}

.hero-features {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-bottom: 24px;
}

.hero-feature {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 14px 12px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: var(--shadow-sm);
}

.hero-feature-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  flex-shrink: 0;
  border-radius: 10px;
  background: var(--light-blue);
  color: var(--primary);
}

.hero-feature-icon svg {
  width: 18px;
  height: 18px;
}

.hero-feature h3 {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 2px;
}

.hero-feature p {
  font-size: 0.72rem;
  color: var(--text);
  line-height: 1.35;
}

.hero-checklist {
  display: grid;
  gap: 10px;
}

.hero-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-dark);
}

.check {
  display: inline-flex;
  color: var(--primary);
  flex-shrink: 0;
}

.check svg {
  width: 20px;
  height: 20px;
}

.check circle {
  fill: var(--light-blue);
  stroke: none;
}

.check path {
  stroke: var(--primary);
  stroke-width: 2;
}

/* Eligibility form card */
.eligibility-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow-card);
  padding: 40px 32px 32px;
  margin-top: 10px;
  width: 100%;
  min-height: 480px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.eligibility-badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  white-space: nowrap;
  background: var(--primary);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  box-shadow: 0 4px 12px rgba(18, 104, 232, 0.3);
}

.eligibility-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  margin: 10px 0 8px;
  line-height: 1.3;
}

.eligibility-sub {
  text-align: center;
  font-size: 0.9rem;
  color: var(--text);
  margin-bottom: 28px;
}

.eligibility-form {
  display: grid;
  gap: 18px;
}

.form-group {
  display: grid;
  gap: 8px;
}

.form-group label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
}

.req {
  color: #e04b4b;
}

.form-group input[type="tel"] {
  width: 100%;
  height: 52px;
  padding: 0 16px;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--white);
  color: var(--navy);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.form-group input[type="tel"]::placeholder {
  color: #9aa6b5;
}

.form-group input[type="tel"]:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(18, 104, 232, 0.12);
}

.form-group input.is-invalid {
  border-color: #e04b4b;
}

.field-error {
  font-size: 0.75rem;
  color: #e04b4b;
}

.checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.8rem;
  line-height: 1.45;
  color: var(--text);
}

.checkbox input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.checkbox-box {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 1px;
  border: 1.5px solid #c5d0de;
  border-radius: 4px;
  background: var(--white);
  position: relative;
  transition: background 0.15s ease, border-color 0.15s ease;
}

.checkbox input:checked + .checkbox-box {
  background: var(--primary);
  border-color: var(--primary);
}

.checkbox input:checked + .checkbox-box::after {
  content: "";
  position: absolute;
  left: 5px;
  top: 1px;
  width: 5px;
  height: 9px;
  border: solid white;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

.checkbox input:focus-visible + .checkbox-box {
  box-shadow: 0 0 0 3px rgba(18, 104, 232, 0.15);
}

.checkbox-text a {
  color: var(--primary);
  font-weight: 600;
}

.checkbox-text a:hover {
  text-decoration: underline;
}

.eligibility-secure {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-top: 20px;
  font-size: 0.78rem;
  color: var(--text);
}

.eligibility-secure svg {
  width: 14px;
  height: 14px;
  color: var(--success);
  flex-shrink: 0;
}

/* ---------- Stats ---------- */
.stats {
  background: var(--light-blue);
  padding: 36px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 8px;
}

.stat-item {
  text-align: center;
  padding: 8px 16px;
  position: relative;
}

.stat-item:not(:last-child)::after {
  content: "";
  position: absolute;
  right: 0;
  top: 18%;
  bottom: 18%;
  width: 1px;
  background: rgba(18, 104, 232, 0.18);
}

.stat-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--white);
  color: var(--primary);
  margin-bottom: 10px;
  box-shadow: var(--shadow-sm);
}

.stat-icon svg {
  width: 20px;
  height: 20px;
}

.stat-value {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1.2;
  margin-bottom: 4px;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--text);
  font-weight: 500;
}

/* ---------- Benefits ---------- */
.benefits {
  background: var(--white);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.benefit-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 20px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.benefit-card:hover {
  border-color: #c9dbf5;
  box-shadow: var(--shadow-sm);
}

.benefit-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--light-blue);
  color: var(--primary);
  margin-bottom: 14px;
}

.benefit-icon svg {
  width: 22px;
  height: 22px;
}

.benefit-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.benefit-card p {
  font-size: 0.88rem;
  color: var(--text);
  line-height: 1.55;
}

/* ---------- EMI Calculator ---------- */
.emi {
  background: var(--very-light-blue);
}

.emi-card {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.emi-controls {
  padding: 32px 28px;
  display: grid;
  gap: 28px;
  align-content: start;
}

.slider-group {
  display: grid;
  gap: 10px;
}

.slider-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.slider-head label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-dark);
}

.slider-head output {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary);
  background: var(--light-blue);
  padding: 5px 12px;
  border-radius: 8px;
}

.slider-range {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: #8a96a8;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(to right, var(--primary) var(--progress, 50%), #d8e4f4 var(--progress, 50%));
  outline: none;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--primary);
  box-shadow: 0 2px 8px rgba(18, 104, 232, 0.3);
  cursor: pointer;
}

input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--primary);
  box-shadow: 0 2px 8px rgba(18, 104, 232, 0.3);
  cursor: pointer;
}

.rate-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 16px 18px;
  background: var(--very-light-blue);
  border: 1px solid var(--border);
  border-radius: 12px;
}

.rate-label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
}

.rate-value {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
}

.emi-results {
  background: linear-gradient(160deg, #e8f3ff 0%, #f0f7ff 55%, #eaf4ff 100%);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.emi-highlight {
  text-align: center;
  padding: 8px 0 4px;
}

.emi-highlight-label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
}

.emi-highlight-value {
  font-size: clamp(2rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.15;
}

.emi-highlight-note {
  font-size: 0.8rem;
  color: var(--text);
  margin-top: 4px;
}

.emi-summary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.emi-summary-card {
  background: var(--white);
  border-radius: 12px;
  padding: 14px 12px;
  text-align: center;
  border: 1px solid rgba(228, 234, 242, 0.9);
}

.emi-summary-card span {
  display: block;
  font-size: 0.75rem;
  color: var(--text);
  margin-bottom: 4px;
}

.emi-summary-card strong {
  font-size: 1rem;
  font-weight: 700;
}

.emi-summary-card--interest strong {
  color: var(--orange);
}

.emi-summary-card--payment strong {
  color: var(--success);
}

.emi-breakdown {
  background: var(--white);
  border-radius: 12px;
  padding: 6px 16px;
  border: 1px solid rgba(228, 234, 242, 0.9);
}

.emi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  font-size: 0.85rem;
  border-bottom: 1px solid var(--border);
}

.emi-row:last-child {
  border-bottom: none;
}

.emi-row span {
  color: var(--text);
}

.emi-row strong {
  color: var(--navy);
  font-weight: 700;
}

.emi-row--total strong {
  color: var(--primary);
}

/* ---------- Process ---------- */
.process {
  background: var(--white);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 36px;
}

.process-step {
  position: relative;
  text-align: center;
  padding: 28px 18px 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.process-top {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}

.process-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 800;
  line-height: 1;
  box-shadow: 0 4px 12px rgba(18, 104, 232, 0.28);
}

.process-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--light-blue);
  color: var(--primary);
  flex-shrink: 0;
}

.process-icon svg {
  width: 24px;
  height: 24px;
}

.process-step h3 {
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.3;
}

.process-step p {
  font-size: 0.84rem;
  color: var(--text);
  line-height: 1.55;
}

.process-arrow {
  position: absolute;
  top: 48px;
  right: -30px;
  width: 36px;
  height: 16px;
  color: var(--primary-soft);
  pointer-events: none;
  z-index: 2;
}

.process-arrow svg {
  width: 100%;
  height: 100%;
  overflow: visible;
}

.process-arrow path {
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* ---------- Testimonials ---------- */
.testimonials {
  background: var(--very-light-blue);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 18px;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
}

.stars {
  display: flex;
  gap: 2px;
  margin-bottom: 14px;
  color: var(--star);
}

.stars svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
  stroke: none;
}

.testimonial-card blockquote {
  font-size: 0.9rem;
  line-height: 1.65;
  color: var(--text);
  font-style: italic;
  flex: 1;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  padding-top: 14px;
  border-top: 1px solid var(--border);
}

.testimonial-profile {
  display: flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
}

.avatar {
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: 40px;
  height: 40px;
  min-width: 40px;
  min-height: 40px;
  aspect-ratio: 1 / 1;
  border-radius: 50%;
  background: var(--light-blue);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  line-height: 1;
  text-align: center;
  flex-shrink: 0;
}

.testimonial-author cite,
.testimonial-profile cite {
  display: block;
  font-style: normal;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy);
  white-space: nowrap;
  line-height: 1.3;
}

.testimonial-author div span,
.testimonial-profile div span {
  display: block;
  font-size: 0.75rem;
  color: var(--text);
  white-space: nowrap;
  line-height: 1.3;
}

.testimonial-loan {
  text-align: right;
  display: flex;
  flex-direction: column;
  justify-content: center;
  flex-shrink: 0;
  white-space: nowrap;
}

.testimonial-loan-label {
  display: block;
  font-size: 9.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94a3b8;
  line-height: 1.2;
  margin-bottom: 2px;
  white-space: nowrap;
}

.testimonial-loan-value {
  display: block;
  font-size: 1.15rem;
  font-weight: 900;
  color: #34528B;
  letter-spacing: -0.02em;
  line-height: 1.2;
  white-space: nowrap;
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .hero-inner {
    gap: 28px;
    grid-template-columns: minmax(0, 1fr) minmax(360px, 0.95fr);
  }

  .benefits-grid,
  .testimonials-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .testimonials-grid .testimonial-card:last-child {
    grid-column: 1 / -1;
    max-width: 480px;
    margin-inline: auto;
    width: 100%;
  }
}

@media (max-width: 960px) {
  :root {
    --section-y: 52px;
  }

  .header-cta {
    padding: 8px 12px;
    font-size: 0.8rem;
    gap: 6px;
  }

  .header-cta .btn-icon {
    width: 14px;
    height: 14px;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  /* Form first, then content on tablet/mobile */
  .eligibility-card {
    order: -1;
    max-width: 480px;
    margin-inline: auto;
    width: 100%;
  }

  .hero-content {
    order: 1;
  }

  .hero-features {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .stats-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px 8px;
  }

  .stat-item:not(:last-child)::after {
    display: none;
  }

  .emi-card {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
  }

  .process-arrow {
    display: none;
  }
}

@media (max-width: 768px) {
  .testimonial-author {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .testimonial-loan {
    text-align: left;
    margin-left: 0;
  }
}

@media (max-width: 640px) {
  :root {
    --section-y: 44px;
    --header-h: 64px;
  }

  .container {
    width: calc(100% - 32px);
  }

  .brand-logo {
    height: 34px;
  }

  .header-cta {
    padding: 8px 11px;
    font-size: 0.75rem;
    border-radius: 999px;
  }

  .header-cta .btn-icon {
    width: 13px;
    height: 13px;
  }

  .hero {
    padding: 28px 0 36px;
  }

  .hero-title {
    font-size: 1.85rem;
  }

  .hero-lead {
    font-size: 1.05rem;
  }

  .hero-features {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }

  .hero-feature {
    padding: 12px 10px;
    flex-direction: column;
    gap: 8px;
  }

  .hero-feature-icon {
    width: 32px;
    height: 32px;
  }

  .hero-feature h3 {
    font-size: 0.78rem;
  }

  .hero-feature p {
    font-size: 0.68rem;
  }

  .eligibility-card {
    padding: 32px 18px 26px;
    margin-top: 6px;
    min-height: 0;
  }

  .section-head {
    margin-bottom: 28px;
  }

  .benefits-grid,
  .testimonials-grid,
  .process-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid .testimonial-card:last-child {
    max-width: none;
  }

  .testimonial-author {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
  }

  .testimonial-loan {
    text-align: left;
    margin-left: 0;
  }

  .emi-controls,
  .emi-results {
    padding: 24px 18px;
  }

  .emi-summary {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 400px) {
  .stats-grid {
    gap: 16px 4px;
  }

  .stat-value {
    font-size: 1.25rem;
  }

  .stat-label {
    font-size: 0.78rem;
  }

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

/* ---------- OTP Modal ---------- */
.otp-modal {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
}

.otp-modal[hidden] {
  display: none;
}

.otp-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(11, 31, 68, 0.55);
}

.otp-dialog {
  position: relative;
  z-index: 1;
  width: min(100%, 400px);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: 0 20px 50px rgba(11, 31, 68, 0.22);
  padding: 28px 24px 22px;
  text-align: center;
}

.otp-close {
  position: absolute;
  top: 10px;
  right: 12px;
  width: 32px;
  height: 32px;
  border-radius: 8px;
  font-size: 1.4rem;
  line-height: 1;
  color: var(--text);
}

.otp-close:hover {
  background: var(--very-light-blue);
  color: var(--navy);
}

.otp-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--light-blue);
  color: var(--primary);
  margin-bottom: 14px;
}

.otp-icon svg {
  width: 24px;
  height: 24px;
}

.otp-title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.otp-sub {
  font-size: 0.9rem;
  color: var(--text);
  margin-bottom: 20px;
  line-height: 1.5;
}

.otp-sub strong {
  color: var(--navy);
}

.otp-inputs {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-bottom: 12px;
}

.otp-digit {
  width: 52px;
  height: 56px;
  text-align: center;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--white);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.otp-digit:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(18, 104, 232, 0.12);
}

.otp-error {
  margin-bottom: 10px;
}

.otp-demo-hint {
  font-size: 0.8rem;
  color: var(--text);
  margin-bottom: 14px;
}

.otp-demo-hint strong {
  color: var(--primary);
}

.otp-resend {
  margin-top: 14px;
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--primary);
}

.otp-resend:hover {
  text-decoration: underline;
}

.otp-secure {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-top: 14px;
  font-size: 0.75rem;
  color: var(--text);
}

.otp-secure svg {
  width: 13px;
  height: 13px;
  color: var(--success);
}

body.otp-open {
  overflow: hidden;
}

@media (max-width: 400px) {
  .otp-digit {
    width: 46px;
    height: 50px;
    font-size: 1.2rem;
  }

  .otp-dialog {
    padding: 24px 16px 18px;
  }
}

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition: none !important;
  }
}