/* ========================================
   AFDC Finance - Professional Banking Website
   Clean, Modern, Indian Bank-Level Design
   ======================================== */

/* ===== CSS Variables ===== */
:root {
    /* Primary Colors */
    --primary: #1a5f4a;
    --primary-light: #2d8f6f;
    --primary-dark: #0f3d30;
    --primary-gradient: linear-gradient(135deg, #1a5f4a 0%, #2d8f6f 100%);
    
    /* Accent Colors */
    --accent: #e63946;
    --accent-light: #ff6b6b;
    --accent-dark: #c1121f;
    
    /* Neutral Colors */
    --white: #ffffff;
    --off-white: #f8faf9;
    --gray-50: #f7f9f8;
    --gray-100: #ecf0ed;
    --gray-200: #d8e0db;
    --gray-300: #b8c4bc;
    --gray-400: #8fa396;
    --gray-500: #6b7d70;
    --gray-600: #4d5a50;
    --gray-700: #3a4440;
    --gray-800: #2a312c;
    --gray-900: #1a1f1b;
    
    /* Gradients */
    --bg-gradient: linear-gradient(135deg, 
        rgba(232, 245, 233, 0.8) 0%, 
        rgba(255, 255, 255, 1) 50%, 
        rgba(243, 237, 247, 0.6) 100%);
    --hero-gradient: linear-gradient(160deg, 
        rgba(230, 242, 235, 0.95) 0%, 
        rgba(255, 255, 255, 0.98) 40%, 
        rgba(245, 240, 250, 0.7) 100%);
    --card-gradient: linear-gradient(180deg, 
        rgba(255, 255, 255, 0.9) 0%, 
        rgba(255, 255, 255, 0.7) 100%);
    
    /* Glassmorphism */
    --glass-bg: rgba(255, 255, 255, 0.7);
    --glass-border: rgba(255, 255, 255, 0.5);
    --glass-shadow: 0 8px 32px rgba(26, 95, 74, 0.1);
    
    /* Shadows */
    --shadow-sm: 0 2px 8px rgba(26, 95, 74, 0.06);
    --shadow-md: 0 4px 16px rgba(26, 95, 74, 0.08);
    --shadow-lg: 0 8px 32px rgba(26, 95, 74, 0.12);
    --shadow-xl: 0 16px 48px rgba(26, 95, 74, 0.15);
    
    /* Typography */
    --font-primary: 'Poppins', sans-serif;
    --font-secondary: 'Inter', sans-serif;
    
    /* Spacing */
    --section-padding: 100px 0;
    --container-padding: 0 24px;
    
    /* Border Radius */
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 50%;
    
    /* Transitions */
    --transition-fast: 0.2s ease;
    --transition-normal: 0.3s ease;
    --transition-slow: 0.5s ease;
}

/* ===== Reset & Base Styles ===== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-secondary);
    font-size: 1rem;
    line-height: 1.6;
    color: var(--gray-700);
    background: var(--bg-gradient);
    background-attachment: fixed;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

/* Subtle Background Pattern */
.bg-pattern {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    z-index: -1;
    opacity: 0.03;
    background-image: 
        linear-gradient(30deg, var(--primary) 12%, transparent 12.5%, transparent 87%, var(--primary) 87.5%, var(--primary)),
        linear-gradient(150deg, var(--primary) 12%, transparent 12.5%, transparent 87%, var(--primary) 87.5%, var(--primary)),
        linear-gradient(30deg, var(--primary) 12%, transparent 12.5%, transparent 87%, var(--primary) 87.5%, var(--primary)),
        linear-gradient(150deg, var(--primary) 12%, transparent 12.5%, transparent 87%, var(--primary) 87.5%, var(--primary)),
        linear-gradient(60deg, rgba(26, 95, 74, 0.5) 25%, transparent 25.5%, transparent 75%, rgba(26, 95, 74, 0.5) 75%, rgba(26, 95, 74, 0.5)),
        linear-gradient(60deg, rgba(26, 95, 74, 0.5) 25%, transparent 25.5%, transparent 75%, rgba(26, 95, 74, 0.5) 75%, rgba(26, 95, 74, 0.5));
    background-size: 80px 140px;
    background-position: 0 0, 0 0, 40px 70px, 40px 70px, 0 0, 40px 70px;
}

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

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition-fast);
}

ul {
    list-style: none;
}

button {
    cursor: pointer;
    border: none;
    background: none;
    font-family: inherit;
}

input, select, textarea {
    font-family: inherit;
    font-size: inherit;
}

/* ===== Container ===== */
.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: var(--container-padding);
}

/* ===== Typography ===== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-primary);
    font-weight: 600;
    color: var(--gray-800);
    line-height: 1.3;
}

h1 { font-size: clamp(2.5rem, 5vw, 3.5rem); }
h2 { font-size: clamp(2rem, 4vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.125rem; }

.text-gradient {
    background: var(--primary-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    font-family: var(--font-primary);
    font-size: 0.9375rem;
    font-weight: 500;
    border-radius: var(--radius-md);
    transition: var(--transition-normal);
    white-space: nowrap;
}

.btn-primary {
    background: var(--primary-gradient);
    color: var(--white);
    box-shadow: 0 4px 15px rgba(26, 95, 74, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(26, 95, 74, 0.4);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: var(--white);
}

.btn-outline-primary {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline-primary:hover {
    background: var(--primary);
    color: var(--white);
}

.btn-glass {
    background: linear-gradient(135deg, rgba(240, 242, 245, 0.95) 0%, rgba(230, 235, 240, 0.9) 100%);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 2px solid rgba(200, 210, 220, 0.4);
    color: var(--gray-700);
    box-shadow: 0 2px 8px rgba(0, 85, 31, 0.08);
}

.btn-glass:hover {
    background: linear-gradient(135deg, rgba(245, 247, 250, 1) 0%, rgba(235, 240, 245, 0.95) 100%);
    box-shadow: var(--shadow-md);
    border-color: rgba(200, 210, 220, 0.6);
}

.btn-white {
    background: var(--white);
    color: var(--primary);
}

.btn-white:hover {
    background: var(--off-white);
    transform: translateY(-2px);
}

.btn-outline-white {
    background: transparent;
    color: var(--white);
    border: 2px solid var(--white);
}

.btn-outline-white:hover {
    background: var(--white);
    color: var(--primary);
}

.btn-lg {
    padding: 16px 32px;
    font-size: 1rem;
}

.btn-block {
    width: 100%;
}

/* ===== Section Styles =====
section {
    position: relative;
    isolation: isolate;
}

 */
.section-badge {
    display: inline-block;
    padding: 8px 18px;
    background: rgba(26, 95, 74, 0.08);
    color: var(--primary);
    font-size: 0.875rem;
    font-weight: 500;
    border-radius: var(--radius-sm);
    margin-bottom: 16px;
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-header.text-center {
    text-align: center;
}

.section-title {
    margin-bottom: 16px;
}

.section-subtitle {
    color: var(--gray-500);
    font-size: 1.125rem;
    max-width: 600px;
    margin: 0 auto;
}

/* ========================================
   HEADER / NAVIGATION
   ======================================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 9999;
    transition: var(--transition-normal);
}

.navbar {
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.5);
}

.nav-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo-image {
    width: 48px;
    height: 48px;
    object-fit: contain;
}

.logo-icon {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    border-radius: var(--radius-md);
    color: var(--white);
    font-size: 1.5rem;
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-name {
    font-family: var(--font-primary);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1.1;
}

.logo-tagline {
    font-size: 0.75rem;
    color: var(--gray-500);
    font-weight: 400;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-link {
    padding: 10px 18px;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--gray-600);
    border-radius: var(--radius-md);
    transition: var(--transition-fast);
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary);
    background: rgba(26, 95, 74, 0.08);
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 12px;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 10px;
}

.nav-toggle span {
    width: 24px;
    height: 2px;
    background: var(--gray-700);
    border-radius: 2px;
    transition: var(--transition-fast);
}

/* ========================================
   HERO SECTION
   ======================================== */
.hero {
    padding: 160px 0 80px;
    background: linear-gradient(
        135deg,
        rgba(200, 235, 210, 0.9) 0%,
        rgba(220, 245, 225, 0.7) 15%,
        rgba(245, 255, 250, 0.5) 35%,
        rgba(255, 255, 255, 1) 50%,
        rgba(250, 245, 255, 0.6) 70%,
        rgba(240, 235, 250, 0.7) 85%,
        rgba(230, 220, 245, 0.5) 100%
    );
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    isolation: isolate;
    z-index: 1;
}

.hero-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 18px;
    background: rgba(26, 95, 74, 0.08);
    border-radius: var(--radius-sm);
    color: var(--primary);
    font-size: 0.875rem;
    font-weight: 500;
    margin-bottom: 24px;
}

.hero-badge i {
    font-size: 1rem;
}

.hero-title {
    font-size: clamp(2.75rem, 5vw, 4rem);
    font-weight: 700;
    line-height: 1.15;
    margin-bottom: 24px;
    color: var(--gray-800);
}

.hero-subtitle {
    font-size: 1.125rem;
    color: var(--gray-600);
    margin-bottom: 32px;
    max-width: 540px;
    line-height: 1.7;
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 48px;
}

.hero-stats {
    display: flex;
    align-items: center;
    gap: 32px;
    padding: 24px 32px;
    background: var(--glass-bg);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-radius: var(--radius-lg);
    border: 1px solid var(--glass-border);
}

.stat-item {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-family: var(--font-primary);
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary);
}

.stat-label {
    font-size: 0.875rem;
    color: var(--gray-500);
}

.stat-divider {
    width: 1px;
    height: 40px;
    background: var(--gray-200);
}

/* Hero Visual */
.hero-visual {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: flex-end;
}

.hero-image-wrapper {
    position: relative;
    padding: 0;
    width: 100%;
}

.hero-main-visual {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.hero-main-visual.growth-visual {
    background: transparent;
    box-shadow: none;
    border-radius: 0;
    overflow: visible;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    min-height: 550px;
}

.hero-img {
    width: 100%;
    height: 550px;
    object-fit: cover;
}

.hero-img.growth-img {
    width: auto;
    height: 100%;
    min-height: 500px;
    max-height: 600px;
    object-fit: contain;
    object-position: bottom center;
    filter: drop-shadow(0 10px 30px rgba(0, 0, 0, 0.08));
    transform: scale(1.1);
    transform-origin: bottom center;
}

.visual-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 60%, rgba(26, 95, 74, 0.2) 100%);
}

.floating-card {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 14px 20px;
    background: var(--glass-bg);
    backdrop-filter: blur(15px);
    -webkit-backdrop-filter: blur(15px);
    border-radius: var(--radius-md);
    border: 1px solid var(--glass-border);
    box-shadow: var(--shadow-lg);
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--gray-700);
    animation: float 3s ease-in-out infinite;
    z-index: 5;
    pointer-events: none;
}

.floating-card i {
    color: var(--primary);
    font-size: 1.25rem;
}

.card-1 {
    top: 25px;
    left: -20px;
    animation-delay: 0s;
}

.card-2 {
    top: 50%;
    right: -65px;
    animation-delay: 1s;
}

.card-3 {
    bottom: 40px;
    left: 20px;
    animation-delay: 2s;
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

@keyframes slideInRight {
    from {
        transform: translateX(400px);
        opacity: 0;
    }
    to {
        transform: translateX(0);
        opacity: 1;
    }
}

@keyframes slideOutRight {
    from {
        transform: translateX(0);
        opacity: 1;
    }
    to {
        transform: translateX(400px);
        opacity: 0;
    }
}

.hero-wave {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 2;
    pointer-events: none;
}

.hero-wave svg {
    width: 100%;
    height: auto;
    display: block;
}

/* ========================================
   PRODUCTS SECTION
   ======================================== */
.products {
    padding: var(--section-padding);
    background: linear-gradient(180deg, rgba(255, 255, 255, 1) 0%, rgba(248, 250, 249, 0.9) 50%, rgba(255, 255, 255, 1) 100%);
    position: relative;
    z-index: 2;
    margin-top: 0;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.product-card {
    position: relative;
    padding: 32px 28px;
    background: linear-gradient(135deg, rgba(255, 255, 255, 1) 0%, rgba(250, 253, 251, 0.95) 100%);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-100);
    box-shadow: var(--shadow-sm);
    transition: var(--transition-normal);
}

.product-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(26, 95, 74, 0.2);
}

.product-card.featured {
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.02) 0%, rgba(26, 95, 74, 0.06) 100%);
    border-color: rgba(26, 95, 74, 0.2);
}

.featured-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    padding: 5px 12px;
    background: var(--accent);
    color: var(--white);
    font-size: 0.75rem;
    font-weight: 600;
    border-radius: var(--radius-sm);
}

.product-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.1) 0%, rgba(26, 95, 74, 0.05) 100%);
    border-radius: var(--radius-md);
    margin-bottom: 20px;
}

.product-icon i {
    font-size: 1.75rem;
    color: var(--primary);
}

.product-title {
    margin-bottom: 12px;
    font-size: 1.125rem;
}

.product-desc {
    color: var(--gray-500);
    font-size: 0.9375rem;
    margin-bottom: 20px;
    line-height: 1.6;
}

.product-features {
    margin-bottom: 20px;
}

.product-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 6px 0;
    font-size: 0.875rem;
    color: var(--gray-600);
}

.product-features i {
    color: var(--primary);
    font-size: 0.75rem;
}

.product-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--primary);
    font-weight: 500;
    font-size: 0.9375rem;
}

.product-link:hover {
    gap: 12px;
}

.product-link i {
    font-size: 0.75rem;
    transition: var(--transition-fast);
}

/* ========================================
   WORKING CAPITAL SECTION
   ======================================== */
.working-capital {
    padding: var(--section-padding);
    background: var(--bg-gradient);
}

.wc-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.wc-card {
    background: var(--glass-bg);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-radius: var(--radius-xl);
    border: 1px solid var(--glass-border);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    transition: var(--transition-normal);
}

.wc-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.wc-card-inner {
    display: flex;
    gap: 28px;
    padding: 36px;
}

.wc-icon {
    flex-shrink: 0;
    width: 80px;
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    border-radius: var(--radius-lg);
}

.wc-icon i {
    font-size: 2rem;
    color: var(--white);
}

.wc-content h3 {
    margin-bottom: 12px;
    font-size: 1.375rem;
}

.wc-content p {
    color: var(--gray-500);
    font-size: 0.9375rem;
    margin-bottom: 20px;
    line-height: 1.6;
}

.wc-highlights {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 24px;
}

.wc-highlights span {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: rgba(26, 95, 74, 0.08);
    border-radius: var(--radius-sm);
    font-size: 0.875rem;
    color: var(--primary);
    font-weight: 500;
}

.wc-highlights i {
    font-size: 0.875rem;
}

/* ========================================
   WHY CHOOSE US SECTION
   ======================================== */
.why-us {
    padding: var(--section-padding);
    background: linear-gradient(135deg, rgba(255, 255, 255, 1) 0%, rgba(236, 240, 237, 0.4) 40%, rgba(247, 249, 248, 0.6) 70%, rgba(255, 255, 255, 1) 100%);
}

.why-us-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.why-us-content .section-title {
    margin-bottom: 20px;
}

.section-desc {
    color: var(--gray-500);
    font-size: 1.0625rem;
    line-height: 1.7;
    margin-bottom: 40px;
}

.features-list {
    display: grid;
    gap: 24px;
}

.feature-item {
    display: flex;
    gap: 20px;
}

.feature-icon {
    flex-shrink: 0;
    width: 52px;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.1) 0%, rgba(26, 95, 74, 0.05) 100%);
    border-radius: var(--radius-md);
}

.feature-icon i {
    font-size: 1.25rem;
    color: var(--primary);
}

.feature-text h4 {
    margin-bottom: 6px;
    font-size: 1.0625rem;
}

.feature-text p {
    color: var(--gray-500);
    font-size: 0.9375rem;
}

/* Why Us Visual */
.why-us-visual {
    position: relative;
}

.glass-card {
    border-radius: var(--radius-xl);
    overflow: hidden;
}

.glass-card.main-card {
    position: relative;
    box-shadow: var(--shadow-xl);
}

.glass-card.main-card img {
    width: 100%;
    height: 420px;
    object-fit: cover;
}

.card-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 50%, rgba(26, 95, 74, 0.8) 100%);
    display: flex;
    align-items: flex-end;
    justify-content: center;
    padding: 32px;
}

.overlay-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    color: var(--white);
    cursor: pointer;
    transition: var(--transition-normal);
}

.overlay-content:hover {
    transform: scale(1.05);
}

.overlay-content i {
    font-size: 3rem;
}

.overlay-content span {
    font-weight: 500;
}

.glass-card.accent-card {
    position: absolute;
    bottom: -30px;
    right: -30px;
    padding: 28px 36px;
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid var(--glass-border);
    box-shadow: var(--shadow-xl);
}

.accent-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
}

.accent-number {
    font-family: var(--font-primary);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary);
}

.stars {
    color: #ffc107;
    font-size: 1rem;
}

.accent-label {
    color: var(--gray-500);
    font-size: 0.875rem;
}

/* ========================================
   INTERACTIVE LOAN ELIGIBILITY CHECKER
   ======================================== */
.eligibility-section {
    padding: var(--section-padding);
    background: var(--bg-gradient);
}

.eligibility-wrapper {
    max-width: 900px;
    margin: 0 auto;
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 48px;
    box-shadow: var(--shadow-xl);
}

/* Steps Indicator */
.steps-indicator {
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 48px;
}

.step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    position: relative;
}

.step-number {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gray-100);
    color: var(--gray-400);
    border-radius: var(--radius-full);
    font-family: var(--font-primary);
    font-size: 1.125rem;
    font-weight: 600;
    transition: var(--transition-normal);
}

.step.active .step-number,
.step.completed .step-number {
    background: var(--primary-gradient);
    color: var(--white);
    box-shadow: 0 4px 12px rgba(26, 95, 74, 0.3);
}

.step-label {
    font-size: 0.875rem;
    color: var(--gray-500);
    font-weight: 500;
}

.step.active .step-label,
.step.completed .step-label {
    color: var(--primary);
}

.step-line {
    width: 100px;
    height: 2px;
    background: var(--gray-200);
    margin: 0 20px;
    position: relative;
    top: -16px;
}

.step.completed + .step-line {
    background: var(--primary);
}

/* Eligibility Steps */
.eligibility-step {
    display: none;
    animation: fadeInUp 0.4s ease;
}

.is-hidden {
    display: none !important;
}

.eligibility-step.active {
    display: block;
}

.eligibility-step h3 {
    text-align: center;
    margin-bottom: 36px;
    font-size: 1.5rem;
    color: var(--gray-800);
}

/* Loan Type Selection */
.loan-type-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.loan-type-grid.three-cols {
    grid-template-columns: repeat(3, 1fr);
    max-width: 800px;
    margin: 0 auto;
}

.loan-type-card {
    position: relative;
    padding: 32px 24px;
    background: var(--gray-50);
    border: 2px solid var(--gray-100);
    border-radius: var(--radius-lg);
    text-align: center;
    cursor: pointer;
    transition: var(--transition-normal);
}

.loan-type-card:hover {
    transform: translateY(-4px);
    border-color: var(--primary-light);
    background: rgba(26, 95, 74, 0.05);
    box-shadow: var(--shadow-md);
}

.loan-type-card.selected {
    border-color: var(--primary);
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.08) 0%, rgba(26, 95, 74, 0.04) 100%);
    box-shadow: var(--shadow-md);
}

.loan-type-icon {
    width: 72px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    border-radius: var(--radius-lg);
    margin: 0 auto 20px;
    box-shadow: var(--shadow-sm);
}

.loan-type-card.selected .loan-type-icon {
    background: var(--primary-gradient);
}

.loan-type-icon i {
    font-size: 2rem;
    color: var(--primary);
}

.loan-type-card.selected .loan-type-icon i {
    color: var(--white);
}

.loan-type-card h4 {
    margin-bottom: 8px;
    font-size: 1.0625rem;
    color: var(--gray-800);
}

.loan-type-card p {
    font-size: 0.9375rem;
    color: var(--gray-500);
    margin: 0;
    font-weight: 500;
}

.select-indicator {
    position: absolute;
    top: 12px;
    right: 12px;
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-full);
    opacity: 0;
    transition: var(--transition-normal);
}

.loan-type-card.selected .select-indicator {
    opacity: 1;
    background: var(--primary);
    border-color: var(--primary);
}

.select-indicator i {
    color: var(--white);
    font-size: 0.875rem;
}

/* Eligibility Form - Enhanced */
.eligibility-form {
    max-width: 700px;
    margin: 0 auto;
}

.form-card {
    background: var(--gray-50);
    border-radius: var(--radius-xl);
    padding: 32px;
    border: 1px solid var(--gray-100);
}

.form-section {
    margin-bottom: 0;
}

.form-section-title {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
    font-family: var(--font-primary);
    font-size: 1rem;
    font-weight: 600;
    color: var(--gray-800);
}

.form-section-title i {
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    color: var(--white);
    border-radius: var(--radius-md);
    font-size: 0.9375rem;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-grid.single {
    grid-template-columns: 1fr;
}

.form-divider {
    height: 1px;
    background: var(--gray-200);
    margin: 28px 0;
}

.eligibility-form .form-group {
    margin-bottom: 0;
}

.eligibility-form .form-group label {
    display: block;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--gray-700);
    margin-bottom: 10px;
}

.eligibility-form .form-group label .required {
    color: var(--accent);
    margin-left: 2px;
}

.eligibility-form .form-group input,
.eligibility-form .form-group select {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    font-size: 1rem;
    color: var(--gray-700);
    background: var(--white);
    transition: var(--transition-fast);
}

/* Currency prefix inputs (used across forms) */
.input-with-prefix {
    position: relative;
    display: flex;
    align-items: center;
    width: 100%;
}

.input-with-prefix input {
    width: 100%;
    padding-left: 40px;
}

.input-with-prefix .prefix {
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    font-weight: 500;
    color: var(--gray-500);
    font-size: 1rem;
    line-height: 1;
    pointer-events: none;
    z-index: 1;
}

.eligibility-form .input-with-prefix {
    position: relative;
    display: flex;
    align-items: center;
}

.eligibility-form .input-with-prefix input {
    padding-left: 40px;
}

.eligibility-form .input-with-prefix .prefix {
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    font-weight: 500;
    color: var(--gray-500);
    font-size: 1rem;
    pointer-events: none;
    z-index: 1;
}

.eligibility-form .form-group input:focus,
.eligibility-form .form-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(26, 95, 74, 0.1);
}

.eligibility-form .form-group input::placeholder {
    color: var(--gray-400);
}

.form-hint {
    display: block;
    font-size: 0.8125rem;
    color: var(--gray-500);
    margin-top: 8px;
}

.form-actions {
    display: flex;
    gap: 16px;
    margin-top: 32px;
}

.form-actions .btn {
    flex: 1;
    padding: 16px 24px;
}

/* Eligibility Results */
.eligibility-result {
    text-align: center;
}

.result-header {
    margin-bottom: 32px;
}

.result-icon {
    width: 80px;
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    border-radius: var(--radius-full);
    margin: 0 auto 20px;
    box-shadow: 0 8px 24px rgba(26, 95, 74, 0.25);
}

.result-icon.warning {
    background: linear-gradient(135deg, #ff9800 0%, #f57c00 100%);
}

.result-icon.error {
    background: linear-gradient(135deg, #f44336 0%, #d32f2f 100%);
}

.result-icon i {
    font-size: 2.5rem;
    color: var(--white);
}

.result-title {
    font-size: 1.75rem;
    margin-bottom: 12px;
    color: var(--gray-800);
}

.result-subtitle {
    font-size: 1.125rem;
    color: var(--gray-500);
    margin-bottom: 36px;
}

.eligibility-details {
    background: var(--gray-50);
    border-radius: var(--radius-lg);
    padding: 32px;
    margin-bottom: 32px;
    text-align: left;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 16px 0;
    border-bottom: 1px solid var(--gray-200);
}

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

.detail-label {
    font-size: 0.9375rem;
    color: var(--gray-600);
}

.detail-value {
    font-family: var(--font-primary);
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--gray-800);
}

.detail-value.success {
    color: #4caf50;
}

.detail-value.warning {
    color: #ff9800;
}

.detail-value.error {
    color: #f44336;
}

.recommendations {
    background: rgba(26, 95, 74, 0.05);
    border-radius: var(--radius-lg);
    padding: 24px;
    margin-bottom: 32px;
    text-align: left;
}

.recommendations h4 {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
    color: var(--primary);
}

.recommendations h4 i {
    font-size: 1.25rem;
}

.recommendations ul {
    list-style: none;
    padding: 0;
}

.recommendations li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 8px 0;
    color: var(--gray-700);
    font-size: 0.9375rem;
}

.recommendations li i {
    color: var(--primary);
    font-size: 0.875rem;
    margin-top: 4px;
    flex-shrink: 0;
}

.result-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ========================================
   BRANCH LOCATION SECTION (Single Branch)
   ======================================== */
.branches-section {
    padding: var(--section-padding);
    background: linear-gradient(180deg, rgba(255, 255, 255, 1) 0%, rgba(240, 245, 242, 0.5) 50%, rgba(255, 255, 255, 1) 100%);
}

.single-branch-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    max-width: 1200px;
    margin: 0 auto;
}

.branch-map {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    background: var(--gray-50);
}

.map-placeholder {
    height: 100%;
    min-height: 500px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 16px;
    color: var(--gray-400);
}

.map-placeholder i {
    font-size: 4rem;
    color: var(--primary);
    opacity: 0.5;
}

.map-placeholder p {
    font-size: 1.125rem;
    color: var(--gray-500);
}

.branch-details-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    display: flex;
    flex-direction: column;
}

.branch-header {
    display: flex;
    align-items: center;
    gap: 20px;
    padding-bottom: 28px;
    border-bottom: 1px solid var(--gray-100);
    margin-bottom: 32px;
}

.branch-icon-large {
    width: 70px;
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    border-radius: var(--radius-lg);
    flex-shrink: 0;
}

.branch-icon-large i {
    font-size: 2rem;
    color: var(--white);
}

.branch-header h3 {
    margin-bottom: 8px;
    font-size: 1.5rem;
    color: var(--gray-800);
}

.branch-status {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 12px;
    background: rgba(76, 175, 80, 0.1);
    color: #4caf50;
    font-size: 0.875rem;
    font-weight: 500;
    border-radius: var(--radius-sm);
}

.branch-status i {
    font-size: 0.5rem;
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

.branch-info-grid {
    display: grid;
    gap: 24px;
    margin-bottom: 32px;
}

.branch-info-item {
    display: flex;
    gap: 16px;
}

.info-icon {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(26, 95, 74, 0.08);
    border-radius: var(--radius-md);
    flex-shrink: 0;
}

.info-icon i {
    font-size: 1.125rem;
    color: var(--primary);
}

.info-content h5 {
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-bottom: 6px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.info-content p {
    font-size: 1rem;
    color: var(--gray-700);
    line-height: 1.6;
    margin: 0;
}

.branch-actions {
    display: flex;
    gap: 16px;
    margin-bottom: 24px;
}

.branch-actions .btn {
    flex: 1;
}

.expansion-note {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.05) 0%, rgba(26, 95, 74, 0.02) 100%);
    border-radius: var(--radius-md);
    border-left: 3px solid var(--primary);
}

.expansion-note i {
    color: var(--primary);
    font-size: 1.125rem;
    margin-top: 2px;
    flex-shrink: 0;
}

.expansion-note p {
    color: var(--gray-600);
    font-size: 0.9375rem;
    margin: 0;
    line-height: 1.6;
}

/* ========================================
   TESTIMONIALS SECTION - SLIDER
   ======================================== */
.testimonials {
    padding: 100px 0 120px;
    background: var(--bg-gradient);
    overflow: visible;
    position: relative;
}

.testimonials-slider-wrapper {
    position: relative;
    display: flex;
    align-items: stretch;
    gap: 20px;
    margin-bottom: 48px;
}

.testimonials-slider {
    overflow: hidden;
    width: 100%;
    padding: 4px 0 30px;
    margin: -4px 0 -30px;
}

.testimonials-track {
    display: flex;
    gap: 28px;
    transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
    cursor: grab;
    align-items: stretch;
}

.testimonials-track:active {
    cursor: grabbing;
}

.testimonials-track.dragging {
    transition: none;
}

.testimonial-card {
    flex: 0 0 calc(33.333% - 19px);
    min-width: calc(33.333% - 19px);
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px 36px;
    box-shadow: 0 4px 20px rgba(26, 95, 74, 0.08);
    border: 1px solid rgba(26, 95, 74, 0.08);
    transition: all 0.4s ease;
    user-select: none;
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.testimonial-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--primary-gradient);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
    z-index: 1;
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 40px rgba(26, 95, 74, 0.15);
    border-color: rgba(26, 95, 74, 0.15);
}

.testimonial-card:hover::before {
    transform: scaleX(1);
}

.quote-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.08) 0%, rgba(26, 95, 74, 0.04) 100%);
    border-radius: var(--radius-md);
    margin-bottom: 24px;
}

.quote-icon i {
    font-size: 1.25rem;
    color: var(--primary);
    opacity: 0.7;
}

.testimonial-content {
    margin-bottom: 28px;
}

.testimonial-text {
    color: var(--gray-700);
    font-size: 1rem;
    line-height: 1.75;
    margin-bottom: 20px;
    position: relative;
}

.testimonial-rating {
    display: flex;
    gap: 4px;
    color: #ffc107;
}

.testimonial-rating i {
    font-size: 0.9375rem;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 16px;
    padding-top: 24px;
    border-top: 1px solid var(--gray-100);
}

.author-avatar {
    flex-shrink: 0;
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    border-radius: var(--radius-full);
    box-shadow: 0 4px 12px rgba(26, 95, 74, 0.2);
}

.avatar-initials {
    font-family: var(--font-primary);
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--white);
    letter-spacing: 0.5px;
}

.author-info {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.author-info h5 {
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--gray-800);
    margin: 0;
}

.author-role {
    font-size: 0.875rem;
    color: var(--gray-500);
    font-weight: 500;
}

.author-location {
    font-size: 0.8125rem;
    color: var(--gray-400);
    display: flex;
    align-items: center;
    gap: 6px;
}

.author-location i {
    font-size: 0.75rem;
    color: var(--primary);
}

.slider-btn {
    flex-shrink: 0;
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    color: var(--gray-600);
    cursor: pointer;
    transition: var(--transition-normal);
    z-index: 10;
}

.slider-btn:hover {
    background: var(--primary);
    border-color: var(--primary);
    color: var(--white);
    box-shadow: var(--shadow-md);
}

.slider-btn:disabled {
    opacity: 0.5;
    cursor: not-allowed;
}

.slider-btn:disabled:hover {
    background: var(--white);
    border-color: var(--gray-200);
    color: var(--gray-600);
    box-shadow: none;
}

.slider-dots {
    display: flex;
    justify-content: center;
    gap: 10px;
    padding-top: 0;
    position: relative;
}

.slider-dot {
    width: 10px;
    height: 10px;
    border-radius: var(--radius-sm);
    background: var(--gray-200);
    border: none;
    cursor: pointer;
    transition: var(--transition-fast);
}

.slider-dot:hover {
    background: var(--gray-300);
}

.slider-dot.active {
    width: 32px;
    background: var(--primary);
}

.testimonial-rating {
    margin-bottom: 20px;
    color: #ffc107;
}

.testimonial-rating i {
    font-size: 0.875rem;
}

.testimonial-text {
    color: var(--gray-600);
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 24px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 14px;
}

.author-avatar {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(26, 95, 74, 0.1) 0%, rgba(26, 95, 74, 0.05) 100%);
    border-radius: var(--radius-full);
    color: var(--primary);
}

.author-info h5 {
    font-size: 1rem;
    margin-bottom: 2px;
}

.author-info span {
    font-size: 0.8125rem;
    color: var(--gray-500);
}

/* ========================================
   CTA SECTION
   ======================================== */
.cta-section {
    padding: 60px 0;
    background: linear-gradient(160deg, rgba(252, 255, 253, 1) 0%, rgba(240, 245, 242, 0.6) 50%, rgba(248, 250, 249, 0.8) 100%);
}

.cta-card {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    padding: 48px 56px;
    background: var(--primary-gradient);
    border-radius: var(--radius-xl);
    box-shadow: 0 20px 60px rgba(26, 95, 74, 0.3);
}

.cta-content h2 {
    color: var(--white);
    font-size: 1.75rem;
    margin-bottom: 8px;
}

.cta-content p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.0625rem;
}

.cta-actions {
    display: flex;
    gap: 16px;
    flex-shrink: 0;
}

/* ========================================
   CONTACT SECTION
   ======================================== */
.contact-section {
    padding: var(--section-padding);
    background: var(--bg-gradient);
}

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

.contact-info .section-title {
    margin-bottom: 16px;
}

.contact-info > p {
    color: var(--gray-500);
    margin-bottom: 36px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 36px;
}

.contact-item {
    display: flex;
    gap: 16px;
}

.contact-icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(26, 95, 74, 0.1);
    border-radius: var(--radius-md);
}

.contact-icon i {
    color: var(--primary);
    font-size: 1.125rem;
}

.contact-text h5 {
    font-size: 0.9375rem;
    margin-bottom: 4px;
}

.contact-text p {
    color: var(--gray-500);
    font-size: 0.9375rem;
}

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

.social-link {
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    border-radius: var(--radius-md);
    color: var(--gray-500);
    box-shadow: var(--shadow-sm);
    transition: var(--transition-fast);
}

.social-link:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-3px);
}

/* Contact Form */
.contact-form-wrapper {
    background: linear-gradient(135deg, rgba(255, 255, 255, 1) 0%, rgba(246, 250, 248, 0.9) 100%);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
}

.contact-form h3 {
    margin-bottom: 28px;
    font-size: 1.375rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--gray-700);
    margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    font-size: 0.9375rem;
    color: var(--gray-700);
    transition: var(--transition-fast);
    background: var(--white);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--gray-400);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(26, 95, 74, 0.1);
}

.form-group select {
    cursor: pointer;
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
    background: var(--gray-900);
    color: var(--gray-300);
    padding: 80px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 60px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand .logo {
    margin-bottom: 20px;
}

.footer-brand .logo-icon {
    background: transparent;
    color: var(--primary);
}

.footer-brand .logo-name {
    color: var(--white);
}

.footer-brand .logo-tagline {
    color: var(--gray-400);
}

.footer-brand > p {
    font-size: 0.9375rem;
    line-height: 1.7;
    margin-bottom: 24px;
}

.footer-badges {
    display: flex;
    gap: 16px;
}

.badge-item {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-sm);
    font-size: 0.8125rem;
}

.badge-item i {
    color: var(--primary-light);
}

.footer-links h4 {
    color: var(--white);
    font-size: 1rem;
    margin-bottom: 24px;
}

.footer-links ul {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-links a {
    font-size: 0.9375rem;
    color: var(--gray-400);
    transition: var(--transition-fast);
}

.footer-links a:hover {
    color: var(--white);
    padding-left: 8px;
}

.footer-bottom {
    padding: 28px 0;
    text-align: center;
}

.footer-bottom p {
    font-size: 0.875rem;
    color: var(--gray-500);
}

.footer-bottom .disclaimer {
    margin-top: 8px;
    font-size: 0.8125rem;
    color: var(--gray-600);
}

/* ========================================
   BACK TO TOP BUTTON
   ======================================== */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-gradient);
    color: var(--white);
    border-radius: var(--radius-full);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: var(--transition-normal);
    z-index: 9998;
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    transform: translateY(-3px);
}

/* ========================================
   RESPONSIVE DESIGN
   ======================================== */

/* Tablet Landscape */
@media (max-width: 1200px) {
    .products-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .branches-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }
}

/* Tablet Portrait */
@media (max-width: 992px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .hero-subtitle {
        margin: 0 auto 32px;
    }
    
    .hero-cta {
        justify-content: center;
    }
    
    .hero-stats {
        justify-content: center;
    }
    
    .hero-visual {
        display: flex;
        justify-content: center;
        margin-top: 40px;
    }
    
    .hero-main-visual.growth-visual {
        min-height: 400px;
    }
    
    .hero-img.growth-img {
        min-height: 350px;
        max-height: 450px;
        transform: scale(1);
    }
    
    .wc-grid {
        grid-template-columns: 1fr;
    }
    
    .why-us-wrapper {
        grid-template-columns: 1fr;
        gap: 60px;
    }
    
    .why-us-visual {
        order: -1;
        max-width: 500px;
        margin: 0 auto;
    }
    
    .eligibility-wrapper {
        padding: 36px 28px;
    }
    
    .loan-type-grid,
    .loan-type-grid.three-cols {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .form-grid {
        grid-template-columns: 1fr 1fr;
    }
    
    .form-card {
        padding: 28px;
    }
    
    .single-branch-wrapper {
        grid-template-columns: 1fr;
    }
    
    .branch-map .map-placeholder {
        min-height: 350px;
    }
    
    .branch-details-card {
        padding: 36px 28px;
    }
    
    .single-branch-wrapper {
        grid-template-columns: 1fr;
    }
    
    .branch-map {
        min-height: 400px;
    }
    
    .testimonial-card {
        flex: 0 0 calc(50% - 14px);
        min-width: calc(50% - 14px);
    }
    
    .testimonials {
        padding: 80px 0 100px;
    }
    
    .cta-card {
        flex-direction: column;
        text-align: center;
    }
    
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }
}

/* Mobile Landscape */
@media (max-width: 768px) {
    :root {
        --section-padding: 70px 0;
    }

    body {
        background-attachment: scroll;
    }

    body.nav-open {
        overflow: hidden;
    }
    
    .nav-menu,
    .nav-actions {
        display: none;
    }
    
    .nav-toggle {
        display: flex;
    }
    
    .nav-menu.active {
        display: flex;
        position: fixed;
        top: 80px;
        left: 0;
        right: 0;
        flex-direction: column;
        background: var(--white);
        padding: 12px 16px;
        box-shadow: var(--shadow-lg);
        z-index: 999;
        max-height: calc(100vh - 80px);
        overflow-y: auto;
    }

    .nav-menu.active .nav-link {
        padding: 12px 14px;
        width: 100%;
    }
    
    .nav-menu.active + .nav-actions {
        display: flex;
        position: fixed;
        top: calc(80px + var(--nav-menu-height, 200px));
        left: 0;
        right: 0;
        padding: 12px 16px 16px;
        background: var(--white);
        flex-direction: column;
        box-shadow: var(--shadow-lg);
        z-index: 998;
    }

    .nav-menu.active + .nav-actions .btn {
        width: 100%;
        justify-content: center;
    }
    
    .hero {
        padding: 120px 0 60px;
        min-height: auto;
    }

    .floating-card {
        display: none;
    }
    
    .hero-visual {
        margin-top: 32px;
    }
    
    .hero-main-visual.growth-visual {
        min-height: 300px;
    }
    
    .hero-img.growth-img {
        min-height: 280px;
        max-height: 350px;
    }
    
    .hero-title {
        font-size: 2.25rem;
    }
    
    .hero-stats {
        flex-direction: column;
        gap: 20px;
    }
    
    .stat-divider {
        width: 60px;
        height: 1px;
    }
    
    .products-grid {
        grid-template-columns: 1fr;
    }
    
    .loan-type-grid,
    .loan-type-grid.three-cols {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .loan-type-card {
        padding: 24px 20px;
    }
    
    .form-card {
        padding: 24px 20px;
    }
    
    .form-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .form-divider {
        margin: 24px 0;
    }
    
    .branches-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .testimonial-card {
        flex: 0 0 100%;
        min-width: 100%;
        margin: 0 auto;
    }
    
    .slider-btn {
        display: none;
    }
    
    .testimonials-slider-wrapper {
        gap: 0;
        margin-bottom: 32px;
    }
    
    .testimonials {
        padding: 70px 0 90px;
    }
    
    .testimonials-slider {
        padding: 4px 8px 30px;
        margin: -4px -8px -30px;
    }
    
    .testimonials-track {
        gap: 20px;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .footer-brand {
        display: flex;
        flex-direction: column;
        align-items: center;
    }
    
    .footer-badges {
        justify-content: center;
    }
    
    .cta-actions {
        flex-direction: column;
        width: 100%;
    }
    
    .cta-actions .btn {
        width: 100%;
    }
}

/* Mobile Portrait */
@media (max-width: 576px) {
    .container {
        padding: 0 16px;
    }

    .logo-tagline {
        display: none;
    }
    
    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
    
    .hero-title {
        font-size: 1.875rem;
    }
    
    .hero-cta {
        flex-direction: column;
    }
    
    .hero-cta .btn {
        width: 100%;
    }
    
    .testimonials {
        padding: 60px 0 80px;
    }
    
    .testimonials-slider {
        padding: 4px 4px 30px;
        margin: -4px -4px -30px;
    }
    
    .testimonial-card {
        padding: 32px 24px;
    }
    
    .wc-card-inner {
        flex-direction: column;
        text-align: center;
    }
    
    .wc-highlights {
        justify-content: center;
    }
    
    .feature-item {
        flex-direction: column;
        text-align: center;
    }
    
    .single-branch-wrapper {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .branch-map .map-placeholder {
        min-height: 280px;
    }
    
    .branch-details-card {
        padding: 28px 20px;
    }
    
    .branch-header {
        flex-direction: column;
        text-align: center;
        align-items: center;
    }
    
    .branch-actions {
        flex-direction: column;
    }
    
    .branch-actions .btn {
        width: 100%;
    }
    
    .branches-grid {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .cta-card {
        padding: 32px 24px;
    }
    
    .eligibility-wrapper {
        padding: 28px 20px;
    }
    
    .steps-indicator {
        margin-bottom: 32px;
    }
    
    .step-line {
        width: 60px;
        margin: 0 12px;
    }
    
    .step-label {
        font-size: 0.75rem;
    }
    
    .loan-type-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .eligibility-form .form-row {
        grid-template-columns: 1fr;
    }
    
    .form-actions {
        flex-direction: column;
    }
    
    .result-actions {
        flex-direction: column;
    }
    
    .contact-form-wrapper {
        padding: 28px 20px;
    }
    
    .glass-card.accent-card {
        position: relative;
        bottom: auto;
        right: auto;
        margin-top: 20px;
    }
}

/* Small Mobile */
@media (max-width: 400px) {
    .hero-stats {
        padding: 16px 20px;
    }
    
    .stat-number {
        font-size: 1.5rem;
    }
    
    .logo-text {
        display: none;
    }
}

/* ========================================
   ENHANCED MOBILE RESPONSIVENESS
   ======================================== */

/* Mobile - Hide footer link columns */
@media (max-width: 768px) {
    /* Hide footer link sections on mobile */
    .footer-links {
        display: none !important;
    }
    
    /* Keep only footer brand visible and centered */
    .footer-grid {
        display: flex;
        flex-direction: column;
        align-items: center;
        gap: 24px;
    }
    
    .footer-brand {
        text-align: center;
        max-width: 100%;
    }
    
    .footer-brand .logo {
        justify-content: center;
    }
    
    .footer-brand p {
        text-align: center;
    }
    
    .footer-bottom {
        text-align: center;
        padding-top: 24px;
    }
    
    /* Section headers mobile alignment */
    .section-header {
        padding: 0 8px;
    }
    
    .section-subtitle {
        font-size: 1rem;
        padding: 0 8px;
    }
    
    /* Hero section mobile fixes */
    .hero-content {
        text-align: center;
        padding: 0 8px;
    }
    
    .hero-badge {
        justify-content: center;
    }
    
    .hero-subtitle {
        text-align: center;
        margin-left: auto;
        margin-right: auto;
    }
    
    .hero-cta {
        justify-content: center;
        align-items: center;
    }
    
    .hero-stats {
        width: 100%;
        align-items: center;
        text-align: center;
        padding: 20px 16px;
    }
    
    .stat-item {
        align-items: center;
        text-align: center;
    }
    
    /* Product cards mobile */
    .product-card {
        padding: 24px 20px;
    }
    
    .product-desc {
        font-size: 0.875rem;
    }
    
    /* Working capital section */
    .wc-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .wc-card-inner {
        padding: 24px 20px;
    }
    
    .wc-icon {
        width: 60px;
        height: 60px;
        margin: 0 auto 16px;
    }
    
    .wc-icon i {
        font-size: 1.5rem;
    }
    
    /* Why Us section */
    .why-us-content {
        text-align: center;
    }
    
    .why-us-content .section-header {
        text-align: center;
    }
    
    .why-us-content p {
        text-align: center;
    }
    
    .feature-grid {
        gap: 16px;
    }
    
    .feature-icon {
        margin: 0 auto 12px;
    }
    
    /* Eligibility section */
    .eligibility-wrapper {
        padding: 24px 16px;
    }
    
    .steps-indicator {
        flex-wrap: wrap;
        gap: 8px;
        justify-content: center;
    }
    
    .step {
        flex-direction: column;
        gap: 4px;
    }
    
    .step-line {
        display: none;
    }
    
    .loan-type-card {
        text-align: center;
    }
    
    .loan-type-card .loan-icon {
        margin: 0 auto 12px;
    }
    
    /* Contact section */
    .contact-grid {
        gap: 32px;
    }
    
    .contact-info {
        text-align: center;
    }
    
    .contact-item {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }
    
    .contact-details {
        align-items: center;
    }
    
    .social-links {
        justify-content: center;
    }
    
    /* CTA section */
    .cta-card {
        text-align: center;
        padding: 28px 20px;
    }
    
    .cta-content {
        text-align: center;
    }
    
    .cta-content h2 {
        font-size: 1.5rem;
    }
    
    .cta-content p {
        font-size: 0.9375rem;
    }
    
    /* Testimonials */
    .testimonial-content {
        text-align: center;
    }
    
    .testimonial-author {
        justify-content: center;
    }
    
    /* Branch section */
    .branch-info-item {
        flex-direction: column;
        text-align: center;
        align-items: center;
    }
    
    .branch-icon {
        margin-bottom: 8px;
    }
    
    /* General mobile text and spacing */
    .container {
        padding-left: 16px;
        padding-right: 16px;
    }
    
    /* Ensure images don't overflow */
    img {
        max-width: 100%;
        height: auto;
    }
    
    /* Fix any overflowing elements */
    .hero-image-wrapper {
        max-width: 100%;
        overflow: hidden;
    }
    
    .hero-visual {
        width: 100%;
        justify-content: center;
    }
    
    .hero-main-visual {
        max-width: 100%;
    }
}

/* Extra small mobile devices */
@media (max-width: 480px) {
    :root {
        --section-padding: 50px 0;
    }
    
    .hero {
        padding: 100px 0 40px;
    }
    
    .hero-title {
        font-size: 1.625rem;
        line-height: 1.25;
    }
    
    .hero-subtitle {
        font-size: 0.9375rem;
        line-height: 1.6;
    }
    
    .hero-badge {
        font-size: 0.75rem;
        padding: 8px 12px;
    }
    
    .btn {
        padding: 10px 20px;
        font-size: 0.875rem;
    }
    
    .btn-lg {
        padding: 12px 24px;
    }
    
    .section-badge {
        font-size: 0.75rem;
        padding: 6px 14px;
    }
    
    h2 {
        font-size: 1.5rem;
    }
    
    h3 {
        font-size: 1.125rem;
    }
    
    .product-icon {
        width: 50px;
        height: 50px;
    }
    
    .product-icon i {
        font-size: 1.5rem;
    }
    
    .product-title {
        font-size: 1rem;
    }
    
    .stat-number {
        font-size: 1.25rem;
    }
    
    .stat-label {
        font-size: 0.75rem;
    }
    
    /* Eligibility form mobile */
    .form-group label {
        font-size: 0.8125rem;
    }
    
    .form-group input,
    .form-group select,
    .form-group textarea {
        font-size: 0.875rem;
        padding: 10px 12px;
    }
    
    /* Footer mobile */
    .footer {
        padding: 40px 0 24px;
    }
    
    .footer-brand .logo-name {
        font-size: 1.25rem;
    }
    
    .footer-brand p {
        font-size: 0.8125rem;
    }
    
    .footer-bottom p {
        font-size: 0.75rem;
    }
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
    
    html {
        scroll-behavior: auto;
    }
}