/* ============================================================
   MyInstaCash - Landing styles
   ============================================================ */

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

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + env(safe-area-inset-top, 0px)); }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: var(--lh-body);
  color: var(--ink-700);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
body.nav-open { overflow: hidden; touch-action: none; }

h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink-900); margin: 0; }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul, ol { margin: 0; padding: 0; list-style: none; }

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: max(var(--sp-5), env(safe-area-inset-left, 0px)) max(var(--sp-5), env(safe-area-inset-right, 0px));
}
.container--narrow { max-width: var(--container-narrow); }

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

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--ink-900);
  color: #fff;
  padding: var(--sp-3) var(--sp-4);
  border-radius: var(--r-btn);
  z-index: 1000;
}
.skip-link:focus { left: var(--sp-4); top: var(--sp-4); }

:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ---------- Buttons ---------- */
.btn {
  --btn-bg: var(--ink-900);
  --btn-fg: #fff;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--fs-sm);
  line-height: 1;
  padding: 0.85rem 1.3rem;
  border-radius: var(--r-btn);
  border: 1px solid transparent;
  background: var(--btn-bg);
  color: var(--btn-fg);
  cursor: pointer;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur);
  overflow: hidden;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn__icon { width: 1.15em; height: 1.15em; }
.btn--sm { padding: 0.6rem 1rem; }
.btn--lg { padding: 1.05rem 1.7rem; font-size: 1rem; border-radius: var(--r-card); }
.btn--block { width: 100%; }

.btn--primary { background: var(--grad-cta); color: #fff; box-shadow: var(--sh-primary); }
.btn--primary:hover { box-shadow: 0 18px 40px rgba(252, 106, 3, 0.42); }

.btn--ghost { background: transparent; color: var(--ink-700); }
.btn--ghost:hover { background: var(--ink-100); transform: none; }

.btn--outline { background: #fff; color: var(--ink-800); border-color: var(--ink-200); box-shadow: var(--sh-sm); }
.btn--outline:hover { border-color: var(--primary); color: var(--primary-700); }
.btn--outline-light { background: rgba(255,255,255,0.12); color: #fff; border-color: rgba(255,255,255,0.4); box-shadow: none; }
.btn--outline-light:hover { background: rgba(255,255,255,0.22); color: #fff; }

/* Ripple */
.ripple {
  position: absolute;
  border-radius: 50%;
  transform: scale(0);
  background: rgba(255, 255, 255, 0.5);
  animation: ripple var(--dur-slow) var(--ease-out);
  pointer-events: none;
}
@keyframes ripple { to { transform: scale(2.6); opacity: 0; } }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  padding-top: env(safe-area-inset-top, 0px);
  height: calc(var(--header-h) + env(safe-area-inset-top, 0px));
  z-index: 100;
  display: flex;
  align-items: center;
  transition: background var(--dur), box-shadow var(--dur), backdrop-filter var(--dur);
}
.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  box-shadow: var(--sh-sm);
  border-bottom: 1px solid var(--ink-100);
}
.nav { display: flex; align-items: center; gap: var(--sp-5); width: 100%; }
.brand { display: inline-flex; align-items: center; gap: var(--sp-2); font-family: var(--font-display); font-weight: 700; font-size: 1.25rem; color: var(--ink-900); }
.brand__logo { border-radius: 9px; object-fit: cover; }
.brand__accent { color: var(--primary); }
.nav__links { display: flex; gap: var(--sp-5); margin-inline: auto; font-weight: 500; font-size: var(--fs-sm); }
.nav__links a { color: var(--ink-600); transition: color var(--dur); position: relative; }
.nav__links a::after { content: ""; position: absolute; left: 0; bottom: -6px; width: 0; height: 2px; background: var(--primary); transition: width var(--dur) var(--ease); }
.nav__links a:hover, .nav__links a.is-active { color: var(--ink-900); }
.nav__links a:hover::after, .nav__links a.is-active::after { width: 100%; }
.nav__cta { display: flex; gap: var(--sp-2); align-items: center; }
.nav__toggle { display: none; flex-direction: column; gap: 5px; width: 44px; height: 44px; border: 0; background: transparent; cursor: pointer; align-items: center; justify-content: center; }
.nav__toggle span { width: 24px; height: 2px; background: var(--ink-800); border-radius: 2px; transition: transform var(--dur), opacity var(--dur); }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Sections ---------- */
.section { padding-block: var(--sp-9); }
.section--tint { background: linear-gradient(180deg, var(--bg) 0%, var(--bg-tint) 100%); }
.section__head { text-align: center; max-width: 680px; margin: 0 auto var(--sp-7); }
.kicker {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--fs-xs);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--primary-700);
  background: rgba(252, 106, 3, 0.1);
  padding: 0.4rem 0.8rem;
  border-radius: var(--r-pill);
  margin-bottom: var(--sp-4);
}
.kicker--light { color: var(--gradient-2); background: rgba(252, 132, 3, 0.16); }
.section__title { font-size: var(--fs-h2); font-weight: 800; line-height: var(--lh-tight); letter-spacing: -0.02em; }
.section__title--light { color: #fff; }
.section__lead { font-size: var(--fs-lead); color: var(--ink-500); margin-top: var(--sp-4); }
.section__lead--light { color: rgba(255,255,255,0.75); }

/* ---------- 1. Hero ---------- */
.hero {
  position: relative;
  padding-top: calc(var(--header-h) + env(safe-area-inset-top, 0px) + var(--sp-8));
  padding-bottom: var(--sp-9);
  background: linear-gradient(180deg, var(--bg-tint) 0%, var(--bg) 70%);
  overflow: hidden;
}
.hero__mesh { position: absolute; inset: 0; z-index: 0; filter: blur(10px); }
.blob { position: absolute; border-radius: 50%; filter: blur(60px); opacity: 0.5; animation: float 14s ease-in-out infinite; }
.blob--1 { width: 460px; height: 460px; background: radial-gradient(circle, rgba(252,106,3,0.5), transparent 70%); top: -120px; right: -80px; }
.blob--2 { width: 420px; height: 420px; background: radial-gradient(circle, rgba(2,59,229,0.4), transparent 70%); top: 180px; left: -120px; animation-delay: -4s; }
.blob--3 { width: 360px; height: 360px; background: radial-gradient(circle, rgba(252,132,3,0.5), transparent 70%); bottom: -120px; right: 28%; animation-delay: -8s; }
@keyframes float { 0%,100% { transform: translate(0,0) scale(1); } 33% { transform: translate(20px,-26px) scale(1.06); } 66% { transform: translate(-18px,18px) scale(0.96); } }

.hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: center;
  gap: var(--sp-7);
}
.eyebrow { display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 600; font-size: var(--fs-sm); color: var(--secondary); background: var(--glass-bg); border: 1px solid var(--glass-border); backdrop-filter: blur(8px); padding: 0.45rem 0.9rem; border-radius: var(--r-pill); box-shadow: var(--sh-xs); }
.eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--success); box-shadow: 0 0 0 4px rgba(22,163,74,0.18); }
.hero__title { font-size: var(--fs-hero); font-weight: 800; line-height: var(--lh-tight); letter-spacing: -0.03em; margin-top: var(--sp-4); }
.hero__sub { font-size: var(--fs-lead); color: var(--ink-500); margin-top: var(--sp-5); max-width: 46ch; }
.hero__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-6); }
.hero__trust { display: flex; flex-wrap: wrap; gap: var(--sp-5) var(--sp-6); margin-top: var(--sp-7); }
.hero__trust li { display: flex; flex-direction: column; }
.hero__trust strong { font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; color: var(--ink-900); }
.hero__trust span { font-size: var(--fs-xs); color: var(--ink-500); text-transform: uppercase; letter-spacing: 0.05em; }

/* Hero visual — dual framed app mockups (transparent PNG) */
.hero__visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
  padding: var(--sp-2) 0;
}
.hero__phones {
  position: relative;
  width: 100%;
  max-width: min(480px, 100%);
  min-height: min(620px, 68vh);
  margin-inline: auto;
}
.hero__phone {
  position: absolute;
  margin: 0;
  filter:
    drop-shadow(0 28px 48px rgba(2, 9, 106, 0.2))
    drop-shadow(0 12px 24px rgba(252, 106, 3, 0.14));
  transition: transform 0.5s var(--ease);
}
.hero__phone img {
  display: block;
  width: 100%;
  height: auto;
}
.hero__phone--back {
  z-index: 1;
  width: 56%;
  left: 0;
  top: 2%;
  transform: rotate(-5deg);
  animation: phoneFloatBack 7s var(--ease-out) infinite;
}
.hero__phone--front {
  z-index: 2;
  width: 60%;
  right: 0;
  bottom: 0;
  transform: rotate(4deg);
  animation: phoneFloatFront 6s var(--ease-out) infinite;
}
.hero__visual:hover .hero__phone--back { transform: rotate(-3deg) translateY(-4px); }
.hero__visual:hover .hero__phone--front { transform: rotate(2deg) translateY(-4px); }
@keyframes phoneFloatBack { 0%,100% { transform: rotate(-5deg) translateY(0); } 50% { transform: rotate(-5deg) translateY(-10px); } }
@keyframes phoneFloatFront { 0%,100% { transform: rotate(4deg) translateY(0); } 50% { transform: rotate(4deg) translateY(-10px); } }

.appcard { background: #fff; border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-md); border: 1px solid var(--ink-100); }
.appcard--compact { padding: var(--sp-4); }
.appcard__label { font-size: var(--fs-xs); color: var(--ink-500); text-transform: uppercase; letter-spacing: 0.08em; }
.appcard__amount { font-family: var(--font-display); font-size: 1.9rem; font-weight: 800; color: var(--ink-900); margin-top: 2px; }
.appcard__bar { height: 8px; border-radius: var(--r-pill); background: var(--ink-100); margin: var(--sp-4) 0; overflow: hidden; }
.appcard__bar span { display: block; height: 100%; width: 100%; border-radius: var(--r-pill); background: var(--grad-cta); }
.appcard__list { display: grid; gap: var(--sp-3); margin-top: var(--sp-2); }
.appcard__list li { display: flex; align-items: center; gap: var(--sp-2); font-size: var(--fs-sm); color: var(--ink-700); }
.appcard__list li svg { width: 18px; height: 18px; color: var(--success); flex: 0 0 auto; }

.floatcard {
  position: absolute;
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border-radius: var(--r-card);
  padding: var(--sp-3) var(--sp-4);
  box-shadow: var(--sh-lg);
}
.floatcard strong { display: block; font-size: var(--fs-sm); color: var(--ink-900); }
.floatcard span { font-size: var(--fs-xs); color: var(--ink-500); }
.floatcard__icon { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--success); color: #fff; font-size: 1rem; }
.floatcard__icon--blue { background: var(--accent); }
.floatcard--pay { top: 14%; left: -36px; animation: floatY 5s var(--ease-out) infinite; }
.floatcard--kyc { bottom: 12%; right: -30px; animation: floatY 5s var(--ease-out) infinite; animation-delay: -2.5s; }
@keyframes floatY { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }

/* ---------- Eligibility form (Home) ---------- */
.eligibility { position: relative; z-index: 1; margin-top: var(--sp-8); }
.eligibility__card {
  background: #fff;
  border: 1px solid var(--ink-100);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-lg);
  padding: var(--sp-6);
  max-width: 980px;
  margin-inline: auto;
}
.eligibility__head { display: flex; align-items: baseline; justify-content: space-between; flex-wrap: wrap; gap: var(--sp-2); margin-bottom: var(--sp-5); }
.eligibility__head h3 { font-size: var(--fs-h3); font-weight: 700; }
.eligibility__head span { font-size: var(--fs-xs); color: var(--ink-500); display: inline-flex; align-items: center; gap: var(--sp-2); }
.eligibility__grid { display: grid; grid-template-columns: repeat(4, 1fr) auto; gap: var(--sp-4); align-items: end; }
.field { display: grid; gap: var(--sp-2); }
.field label { font-size: var(--fs-xs); font-weight: 600; color: var(--ink-600); text-transform: uppercase; letter-spacing: 0.05em; }
.field select, .field input {
  font-family: var(--font-body); font-size: var(--fs-sm); color: var(--ink-800);
  padding: 0.8rem 0.9rem; border: 1px solid var(--ink-200); border-radius: var(--r-btn);
  background: var(--ink-50); transition: border-color var(--dur), box-shadow var(--dur); width: 100%;
}
.field select:focus, .field input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(252,106,3,0.15); }
.eligibility__result {
  margin-top: var(--sp-5); padding: var(--sp-4) var(--sp-5); border-radius: var(--r-card);
  background: rgba(22,163,74,0.08); border: 1px solid rgba(22,163,74,0.25); color: var(--ink-800);
  display: none; align-items: center; gap: var(--sp-3); font-size: var(--fs-sm);
}
.eligibility__result.is-shown { display: flex; }
.eligibility__result strong { color: var(--success); }

/* ---------- Trust bar / marquee ---------- */
.trustbar { padding-block: var(--sp-6); border-block: 1px solid var(--ink-100); background: var(--white); }
.trustbar__title { text-align: center; font-size: var(--fs-sm); color: var(--ink-400); text-transform: uppercase; letter-spacing: 0.14em; margin-bottom: var(--sp-5); }
.marquee { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent); mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent); }
.marquee__track { display: flex; gap: var(--sp-6); width: max-content; animation: marquee 30s linear infinite; }
.marquee__item { display: inline-flex; align-items: center; gap: var(--sp-2); font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; color: var(--secondary); white-space: nowrap; padding: 0.5rem 1rem; border: 1px solid var(--ink-100); border-radius: var(--r-pill); background: var(--ink-50); }
.marquee__item b { color: var(--primary); }
.marquee:hover .marquee__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- 3. How it works (interactive steps + phone) ---------- */
.how {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-8);
  flex-wrap: wrap;
}
.how__visual {
  position: relative;
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  padding: var(--sp-5) var(--sp-4) var(--sp-6);
  min-width: min(320px, 46vw);
}
.how__glow {
  position: absolute;
  bottom: 4px;
  left: 50%;
  transform: translateX(-50%);
  width: 78%;
  height: 140px;
  border-radius: 50%;
  background: radial-gradient(ellipse at center, rgba(252, 106, 3, 0.26), transparent 70%);
  z-index: 0;
  animation: howGlow 4s var(--ease-out) infinite alternate;
}
@keyframes howGlow { from { opacity: 0.6; transform: translateX(-50%) scale(0.95); } to { opacity: 1; transform: translateX(-50%) scale(1.05); } }
.how__phone {
  position: relative;
  z-index: 1;
  width: min(280px, 44vw);
  padding: 11px;
  border-radius: 38px;
  background: linear-gradient(165deg, #2a3168 0%, #0e1230 52%, #070a18 100%);
  box-shadow:
    0 32px 56px rgba(2, 9, 106, 0.24),
    0 14px 28px rgba(252, 106, 3, 0.16),
    inset 0 1px 0 rgba(255, 255, 255, 0.1);
  animation: howPhoneFloat 6s var(--ease-out) infinite;
  transform-origin: center bottom;
}
@keyframes howPhoneFloat { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.how__screen {
  position: relative;
  aspect-ratio: 472 / 1024;
  border-radius: 30px;
  overflow: hidden;
  background: #fff;
  line-height: 0;
}
.how__shot {
  position: absolute;
  inset: 0;
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: top center;
  opacity: 0;
  transition: opacity 0.55s var(--ease-out);
  -webkit-backface-visibility: hidden;
  backface-visibility: hidden;
}
.how__shot.is-active {
  opacity: 1;
  z-index: 1;
}
.how__steps {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
  width: 100%;
  max-width: 440px;
  --how-icon-size: 52px;
  --how-line-size: 4px;
}
.how__line {
  position: absolute;
  left: calc(var(--sp-3) + (var(--how-icon-size) - var(--how-line-size)) / 2);
  top: calc(var(--sp-3) + var(--how-icon-size) / 2);
  bottom: calc(var(--sp-3) + var(--how-icon-size) / 2);
  width: var(--how-line-size);
  background: linear-gradient(180deg, rgba(252, 106, 3, 0.1), rgba(2, 9, 106, 0.08));
  border-radius: var(--r-pill);
  box-shadow: inset 0 0 0 1px rgba(252, 106, 3, 0.08);
  z-index: 0;
  overflow: visible;
}
.how__line-fill {
  position: relative;
  display: block;
  width: 100%;
  height: 0%;
  background: linear-gradient(180deg, #ff9224 0%, #fc6a03 55%, #e85f00 100%);
  border-radius: inherit;
  box-shadow: 0 0 10px rgba(252, 106, 3, 0.45);
  transition: height 0.65s var(--ease-out);
}
.how__line-fill::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #fc6a03;
  box-shadow: 0 0 0 3px rgba(252, 106, 3, 0.2), 0 0 12px rgba(252, 106, 3, 0.55);
  transform: translate(-50%, 50%);
}
.how__step {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  width: 100%;
  text-align: left;
  padding: var(--sp-3);
  border: 0;
  background: none;
  border-radius: var(--r-card);
  font: inherit;
  color: inherit;
  cursor: pointer;
  transition: transform var(--dur) var(--ease);
}
.how__step:hover { transform: translateX(4px); }
.how__icon {
  position: relative;
  z-index: 2;
  flex: 0 0 auto;
  width: var(--how-icon-size);
  height: var(--how-icon-size);
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #fff;
  border: 2px solid rgba(252, 106, 3, 0.2);
  color: var(--primary-700);
  box-shadow: 0 0 0 5px var(--bg);
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.how__icon svg { width: 24px; height: 24px; }
.how__step.is-done .how__icon {
  background: rgba(252, 106, 3, 0.12);
  border-color: rgba(252, 106, 3, 0.38);
  color: var(--primary);
}
.how__body {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: var(--sp-2) var(--sp-4);
  border-radius: var(--r-card);
  transition: background var(--dur) var(--ease);
}
.how__num {
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary);
}
.how__step h3 { font-size: 1.05rem; font-weight: 700; color: var(--ink-900); }
.how__step p { font-size: var(--fs-sm); color: var(--ink-500); margin-top: 2px; max-width: 40ch; }
.how__step:focus-visible { outline: none; }
.how__step:focus-visible .how__icon {
  box-shadow: 0 0 0 5px var(--bg), 0 0 0 8px rgba(252, 106, 3, 0.28);
}
.how__step.is-active .how__icon {
  background: var(--grad-cta);
  border-color: transparent;
  color: #fff;
  box-shadow:
    0 0 0 5px var(--bg),
    0 8px 22px rgba(252, 106, 3, 0.38);
  animation: stepIconPop 0.45s var(--ease-out);
}
.how__step.is-active .how__body {
  background: linear-gradient(90deg, rgba(252, 106, 3, 0.08) 0%, rgba(255, 244, 234, 0) 100%);
}
@keyframes stepIconPop {
  0% { transform: scale(0.88); }
  55% { transform: scale(1.06); }
  100% { transform: scale(1); }
}

/* Legacy step cards (other pages) */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); position: relative; }
.steps::before { content: ""; position: absolute; top: 64px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, var(--ink-200) 0 8px, transparent 8px 16px); z-index: 0; }
.step { position: relative; z-index: 1; background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-6) var(--sp-5); box-shadow: var(--sh-sm); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.step:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }
.step__num { font-family: var(--font-display); font-weight: 800; font-size: var(--fs-sm); color: var(--primary); letter-spacing: 0.1em; }
.step__icon { width: 56px; height: 56px; display: grid; place-items: center; border-radius: var(--r-card); background: rgba(252,106,3,0.1); color: var(--primary-700); margin: var(--sp-4) 0 var(--sp-4); }
.step__icon svg { width: 28px; height: 28px; }
.step h3 { font-size: var(--fs-h3); font-weight: 700; }
.step p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }

/* ---------- 4. Why / feature grid ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.feature {
  position: relative;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border-radius: var(--r-card);
  padding: var(--sp-6);
  box-shadow: var(--sh-sm);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.feature:hover { transform: translateY(-8px); box-shadow: var(--sh-lg); }
.feature__icon { width: 60px; height: 60px; display: grid; place-items: center; border-radius: var(--r-card); font-size: 1.6rem; color: #fff; margin-bottom: var(--sp-4); box-shadow: var(--sh-md); }
.feature__icon svg { width: 30px; height: 30px; }
.feature h3 { font-size: var(--fs-h3); font-weight: 700; }
.feature p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }
.grad-1 { background: linear-gradient(135deg, #FC6A03, #FC8403); }
.grad-2 { background: linear-gradient(135deg, #023BE5, #02096A); }
.grad-3 { background: linear-gradient(135deg, #16A34A, #4ADE80); }
.grad-4 { background: linear-gradient(135deg, #FC8403, #FC6A03); }
.grad-5 { background: linear-gradient(135deg, #02096A, #023BE5); }
.grad-6 { background: linear-gradient(135deg, #D4A017, #FC6A03); }

/* Stat strip (Why / About) */
.statstrip { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); margin-bottom: var(--sp-7); }
.statstrip__item { text-align: center; background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-xs); }
.statstrip__num { font-family: var(--font-display); font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.2rem); font-weight: 800; color: var(--primary); line-height: 1; }
.statstrip__label { font-size: var(--fs-sm); color: var(--ink-500); margin-top: var(--sp-2); }

/* ---------- Product card ---------- */
.product { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: var(--sp-8); align-items: center; }
.product__panel { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg); box-shadow: var(--sh-md); padding: var(--sp-6); }
.product__selector { display: grid; gap: var(--sp-2); margin-bottom: var(--sp-5); }
.product__selector label { font-size: var(--fs-xs); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-600); }
.chip-row { display: flex; flex-wrap: wrap; gap: var(--sp-2); }
.chip { border: 1px solid var(--ink-200); background: var(--ink-50); border-radius: var(--r-pill); padding: 0.5rem 1rem; font-weight: 600; font-size: var(--fs-sm); color: var(--ink-700); cursor: pointer; transition: all var(--dur); }
.chip:hover { border-color: var(--primary); }
.chip.is-active { background: var(--grad-cta); color: #fff; border-color: transparent; box-shadow: var(--sh-primary); }
.product__rows { display: grid; gap: var(--sp-2); }
.product__row { padding: var(--sp-3) 0; border-bottom: 1px dashed var(--ink-200); }
.product__row:last-child { border-bottom: 0; }
.product__row-top { display: flex; justify-content: space-between; align-items: baseline; gap: var(--sp-3); }
.product__row-top span { color: var(--ink-500); font-size: var(--fs-sm); }
.product__row-top strong { color: var(--ink-900); font-family: var(--font-display); font-size: 1.15rem; }
.product__row-sub { color: var(--ink-400); font-size: var(--fs-xs); margin-top: 2px; }
.product__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-5); }

/* ---------- Impact ---------- */
.impact { background: var(--grad-brand); color: #fff; padding-block: var(--sp-8); }
.impact__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); text-align: center; }
.impact__item { display: grid; gap: var(--sp-2); }
.impact__num { font-family: var(--font-display); font-size: clamp(2.2rem, 1.4rem + 3vw, 3.4rem); font-weight: 800; line-height: 1; }
.impact__label { font-size: var(--fs-sm); color: rgba(255,255,255,0.85); text-transform: uppercase; letter-spacing: 0.08em; }
.impact__sub { font-size: var(--fs-xs); color: rgba(255,255,255,0.7); }

/* ---------- Reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-5); align-items: stretch; }
.review { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-sm); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.review:hover { transform: translateY(-4px); box-shadow: var(--sh-md); }
.review__head { display: flex; align-items: center; gap: var(--sp-3); margin-bottom: var(--sp-3); }
.review__avatar { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; color: #fff; background: var(--grad-cool); flex: 0 0 auto; }
.review figcaption { font-weight: 700; color: var(--ink-900); }
.review__meta { font-size: var(--fs-xs); color: var(--ink-500); }
.review__stars { margin-left: auto; color: var(--gradient-2); letter-spacing: 1px; }
.review blockquote { margin: 0; color: var(--ink-600); font-size: 1rem; line-height: 1.6; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: var(--sp-3); }
.faq__item { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); box-shadow: var(--sh-xs); overflow: hidden; }
.faq__item summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); padding: var(--sp-5); font-family: var(--font-display); font-weight: 600; color: var(--ink-900); }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__plus { position: relative; width: 18px; height: 18px; flex: 0 0 auto; }
.faq__plus::before, .faq__plus::after { content: ""; position: absolute; background: var(--primary); border-radius: 2px; transition: transform var(--dur) var(--ease); }
.faq__plus::before { top: 8px; left: 0; width: 18px; height: 2px; }
.faq__plus::after { top: 0; left: 8px; width: 2px; height: 18px; }
.faq__item[open] .faq__plus::after { transform: scaleY(0); }
.faq__body { padding: 0 var(--sp-5) var(--sp-5); color: var(--ink-500); }
.faq__body p { max-width: 70ch; }

/* ---------- Final CTA ---------- */
.finalcta { position: relative; padding-block: var(--sp-9); background: radial-gradient(120% 120% at 50% 0%, #131a55, var(--ink-900)); color: #fff; overflow: hidden; text-align: center; }
.finalcta__mesh { position: absolute; inset: 0; }
.finalcta__mesh .blob--1 { background: radial-gradient(circle, rgba(252,106,3,0.55), transparent 70%); top: -120px; left: 10%; }
.finalcta__mesh .blob--2 { background: radial-gradient(circle, rgba(2,59,229,0.5), transparent 70%); bottom: -140px; right: 12%; }
.finalcta__inner { position: relative; z-index: 1; max-width: 720px; margin-inline: auto; }
.finalcta h2 { font-size: var(--fs-h2); font-weight: 800; color: #fff; letter-spacing: -0.02em; }
.finalcta p { font-size: var(--fs-lead); color: rgba(255,255,255,0.8); margin-top: var(--sp-4); }
.finalcta__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); justify-content: center; margin-top: var(--sp-6); }
.finalcta__note { margin-top: var(--sp-5); font-size: var(--fs-sm); color: rgba(255,255,255,0.7); }
.finalcta__chips { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--sp-3); margin-top: var(--sp-6); }
.finalcta__chips span { font-size: var(--fs-xs); color: rgba(255,255,255,0.85); border: 1px solid rgba(255,255,255,0.2); border-radius: var(--r-pill); padding: 0.4rem 0.9rem; }

/* ---------- Page hero (sub pages) ---------- */
.pagehero { position: relative; padding-top: calc(var(--header-h) + env(safe-area-inset-top, 0px) + var(--sp-8)); padding-bottom: var(--sp-8); background: linear-gradient(180deg, var(--bg-tint) 0%, var(--bg) 75%); overflow: hidden; text-align: center; }
.pagehero__inner { position: relative; z-index: 1; max-width: 760px; margin-inline: auto; }
.pagehero h1 { font-size: clamp(2.2rem, 1.6rem + 2.6vw, 3.4rem); font-weight: 800; letter-spacing: -0.02em; line-height: var(--lh-tight); margin-top: var(--sp-3); }
.pagehero p { font-size: var(--fs-lead); color: var(--ink-500); margin-top: var(--sp-4); }
.pagehero__stats { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--sp-5) var(--sp-7); margin-top: var(--sp-6); }
.pagehero__stats li { display: flex; flex-direction: column; }
.pagehero__stats strong { font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; color: var(--ink-900); }
.pagehero__stats span { font-size: var(--fs-xs); color: var(--ink-500); text-transform: uppercase; letter-spacing: 0.05em; }

/* ---------- About: story ---------- */
.story { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--sp-8); align-items: center; }
.story__body p { color: var(--ink-600); margin-bottom: var(--sp-4); }
.story__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-5); }
.story__quote { background: var(--secondary); color: #fff; border-radius: var(--r-lg); padding: var(--sp-7); box-shadow: var(--sh-lg); }
.story__quote blockquote { font-family: var(--font-display); font-size: 1.4rem; font-weight: 600; line-height: 1.4; margin: 0; }
.story__quote cite { display: block; margin-top: var(--sp-4); font-style: normal; color: var(--gradient-2); font-size: var(--fs-sm); }

/* Values grid */
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.value { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-6); box-shadow: var(--sh-sm); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.value:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }
.value__icon { width: 52px; height: 52px; display: grid; place-items: center; border-radius: var(--r-card); background: rgba(252,106,3,0.1); color: var(--primary-700); margin-bottom: var(--sp-4); }
.value__icon svg { width: 26px; height: 26px; }
.value__tag { font-size: var(--fs-xs); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--primary-700); }
.value h3 { font-size: var(--fs-h3); font-weight: 700; margin-top: var(--sp-1); }
.value p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }

/* Operate grid */
.operate { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); }
.operate__item { background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-xs); }
.operate__item h3 { font-size: 1.05rem; font-weight: 700; }
.operate__item p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }

/* Compliance grid */
.compliance { background: var(--secondary); border-radius: var(--r-lg); padding: var(--sp-7); color: #fff; }
.compliance__title { color: #fff; text-align: center; font-size: var(--fs-h3); font-weight: 700; margin-bottom: var(--sp-5); }
.compliance__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-4); }
.compliance__item { display: flex; align-items: flex-start; gap: var(--sp-3); background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); border-radius: var(--r-card); padding: var(--sp-4); }
.compliance__check { flex: 0 0 auto; width: 28px; height: 28px; display: grid; place-items: center; border-radius: 50%; background: var(--success); color: #fff; font-size: 0.9rem; }
.compliance__item strong { display: block; color: #fff; font-size: var(--fs-sm); }
.compliance__item span { font-size: var(--fs-xs); color: rgba(255,255,255,0.7); }

/* ---------- Contact ---------- */
.contact-methods { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); }
.contact-card { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-sm); text-align: center; transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.contact-card:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }
.contact-card__icon { width: 52px; height: 52px; margin: 0 auto var(--sp-4); display: grid; place-items: center; border-radius: var(--r-card); background: var(--grad-cta); color: #fff; }
.contact-card__icon svg { width: 26px; height: 26px; }
.contact-card h3 { font-size: 1.05rem; font-weight: 700; }
.contact-card a, .contact-card p { display: block; color: var(--ink-700); font-size: var(--fs-sm); margin-top: var(--sp-1); }
.contact-card a:hover { color: var(--primary); }
.contact-card small { display: block; color: var(--ink-400); font-size: var(--fs-xs); margin-top: var(--sp-2); }

.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-8); align-items: start; }
.form-card { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg); box-shadow: var(--sh-md); padding: var(--sp-6); }
.form-grid { display: grid; gap: var(--sp-4); }
.form-field { display: grid; gap: var(--sp-2); }
.form-field label { font-size: var(--fs-sm); font-weight: 600; color: var(--ink-700); }
.form-field input, .form-field select, .form-field textarea {
  font-family: var(--font-body); font-size: var(--fs-sm); color: var(--ink-800);
  padding: 0.8rem 0.9rem; border: 1px solid var(--ink-200); border-radius: var(--r-btn); background: var(--ink-50);
  transition: border-color var(--dur), box-shadow var(--dur); width: 100%;
}
.form-field textarea { resize: vertical; min-height: 120px; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(252,106,3,0.15); }
.form-field .error { font-size: var(--fs-xs); color: #DC2626; display: none; }
.form-field.is-invalid .error { display: block; }
.form-field.is-invalid input, .form-field.is-invalid select, .form-field.is-invalid textarea { border-color: #DC2626; }
.form-success { display: none; text-align: center; padding: var(--sp-6); }
.form-success.is-shown { display: block; }
.form-success__icon { width: 64px; height: 64px; margin: 0 auto var(--sp-4); display: grid; place-items: center; border-radius: 50%; background: rgba(22,163,74,0.12); color: var(--success); font-size: 1.8rem; }
.form-success h4 { font-size: var(--fs-h3); font-weight: 700; }
.form-success p { color: var(--ink-500); margin-top: var(--sp-2); }

.info-aside { display: grid; gap: var(--sp-5); }
.info-block { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-xs); }
.info-block h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: var(--sp-3); }
.hours-table { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); }
.hours-table th, .hours-table td { text-align: left; padding: var(--sp-2) var(--sp-3); border-bottom: 1px solid var(--ink-100); }
.hours-table th { color: var(--ink-500); font-weight: 600; font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.05em; }
.hours-table .closed { color: var(--ink-400); }
.hours-table .open-now { color: var(--success); font-weight: 600; }

.ombudsman { background: linear-gradient(135deg, rgba(2,59,229,0.06), rgba(2,9,106,0.06)); border: 1px solid rgba(2,59,229,0.2); border-radius: var(--r-card); padding: var(--sp-5); }
.ombudsman h3 { font-size: 1.05rem; font-weight: 700; }
.ombudsman p { color: var(--ink-600); font-size: var(--fs-sm); margin-top: var(--sp-2); }
.ombudsman a { color: var(--accent); font-weight: 600; }

/* ---------- EMI Calculator ---------- */
.calc { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: var(--sp-7); align-items: start; }
.calc__panel { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-lg); box-shadow: var(--sh-md); padding: var(--sp-6); }
.calc__field { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: var(--sp-2); margin-bottom: var(--sp-5); }
.calc__field label { font-weight: 600; color: var(--ink-700); }
.calc__field output { font-family: var(--font-display); font-weight: 800; color: var(--primary-700); font-size: 1.05rem; }
.calc__field input[type="range"] { grid-column: 1 / -1; -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: var(--r-pill); background: var(--ink-100); outline-offset: 6px; }
.calc__field input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 5px solid var(--primary); box-shadow: var(--sh-md); cursor: pointer; transition: transform var(--dur-fast); }
.calc__field input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
.calc__field input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 5px solid var(--primary); box-shadow: var(--sh-md); cursor: pointer; }
.calc__range-meta { grid-column: 1 / -1; display: flex; justify-content: space-between; font-size: var(--fs-xs); color: var(--ink-400); }
.calc__manual { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-3); margin-top: var(--sp-5); padding-top: var(--sp-5); border-top: 1px solid var(--ink-100); }
.calc__manual .field label { text-transform: none; }

.calc__result { background: var(--secondary); color: #fff; border-radius: var(--r-lg); padding: var(--sp-6); box-shadow: var(--sh-lg); position: sticky; top: calc(var(--header-h) + env(safe-area-inset-top, 0px) + var(--sp-4)); }
.calc__result-label { font-size: var(--fs-xs); color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 0.08em; }
.calc__emi { font-family: var(--font-display); font-size: 2.6rem; font-weight: 800; color: #fff; margin: 2px 0 var(--sp-2); }
.calc__emi-sub { font-size: var(--fs-xs); color: rgba(255,255,255,0.6); margin-bottom: var(--sp-5); }
.calc__rows { display: grid; gap: var(--sp-3); }
.calc__rows > div { display: flex; justify-content: space-between; font-size: var(--fs-sm); padding-bottom: var(--sp-3); border-bottom: 1px solid rgba(255,255,255,0.12); }
.calc__rows span { color: rgba(255,255,255,0.7); }
.calc__rows strong { color: #fff; font-family: var(--font-display); }
.calc__result .btn { margin-top: var(--sp-5); }

.schedule-wrap { margin-top: var(--sp-7); overflow-x: auto; border: 1px solid var(--ink-100); border-radius: var(--r-card); }
.schedule { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); min-width: 560px; }
.schedule th, .schedule td { padding: var(--sp-3) var(--sp-4); text-align: right; border-bottom: 1px solid var(--ink-100); }
.schedule th:first-child, .schedule td:first-child { text-align: left; }
.schedule thead th { background: var(--ink-50); color: var(--ink-600); font-weight: 600; font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.05em; position: sticky; top: 0; }
.schedule tbody tr:hover { background: var(--ink-50); }

.explainer { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-5); }
.explainer__item { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--r-card); padding: var(--sp-5); box-shadow: var(--sh-xs); }
.explainer__item h3 { font-size: 1.05rem; font-weight: 700; }
.explainer__item p { color: var(--ink-500); font-size: var(--fs-sm); margin-top: var(--sp-2); }
.explainer__formula { font-family: var(--font-display); font-weight: 600; color: var(--primary-700); background: rgba(252,106,3,0.08); padding: var(--sp-2) var(--sp-3); border-radius: var(--r-btn); display: inline-block; margin-top: var(--sp-2); font-size: var(--fs-sm); }

/* ---------- 12. Footer ---------- */
.footer { background: var(--ink-900); color: rgba(255,255,255,0.7); padding-block: var(--sp-8) var(--sp-6); }
.footer__grid { display: grid; grid-template-columns: 2fr repeat(4, 1fr); gap: var(--sp-6); }
.brand--footer { color: #fff; }
.footer__about { margin-top: var(--sp-4); font-size: var(--fs-sm); line-height: 1.6; max-width: 38ch; }
.footer__rbi { display: inline-block; margin-top: var(--sp-4); font-size: var(--fs-xs); color: var(--gradient-2); border: 1px solid rgba(252,132,3,0.3); padding: 0.3rem 0.7rem; border-radius: var(--r-pill); }
.footer__col h4 { color: #fff; font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: var(--sp-4); }
.footer__col ul { display: grid; gap: var(--sp-3); }
.footer__col a { font-size: var(--fs-sm); color: rgba(255,255,255,0.65); transition: color var(--dur); }
.footer__col a:hover { color: var(--primary); }
.footer__bottom { display: flex; flex-wrap: wrap; align-items: center; gap: var(--sp-4); margin-top: var(--sp-7); padding-top: var(--sp-5); border-top: 1px solid rgba(255,255,255,0.1); font-size: var(--fs-xs); }
.footer__disclaimer { flex: 1 1 320px; color: rgba(255,255,255,0.55); }
.footer__social { display: flex; gap: var(--sp-2); margin-left: auto; }
.footer__social a { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; background: rgba(255,255,255,0.08); color: #fff; transition: background var(--dur), transform var(--dur); }
.footer__social a:hover { background: var(--primary); transform: translateY(-3px); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out); }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal--left { transform: translateX(-36px) translateY(16px); }
.reveal--right { transform: translateX(36px) translateY(16px); }
.reveal--left.is-visible, .reveal--right.is-visible { transform: none; }

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

/* Hard guard against horizontal overflow on all viewports */
html, body { max-width: 100%; overflow-x: clip; }
img, svg, video { max-width: 100%; height: auto; }

/* Safe-area support for notched phones */
.container {
  padding-inline: max(var(--sp-5), env(safe-area-inset-left, 0px)) max(var(--sp-5), env(safe-area-inset-right, 0px));
}
.footer { padding-bottom: calc(var(--sp-6) + env(safe-area-inset-bottom, 0px)); }

/* Block / stacked buttons may wrap label text */
.btn--block, .btn--lg { white-space: normal; text-align: center; }

/* Large monitors: scale type & spacing up so the layout fills the
   screen and text stays legible at 100% zoom (base is 16px). */
@media (min-width: 1500px) { html { font-size: 17px; } }
@media (min-width: 1800px) { html { font-size: 18px; } }
@media (min-width: 2400px) { html { font-size: 20px; } }
@media (min-width: 1600px) {
  .hero__grid { gap: var(--sp-8); }
}

@media (max-width: 1024px) {
  .feature-grid, .values { grid-template-columns: repeat(2, 1fr); }
  .operate, .explainer { grid-template-columns: repeat(2, 1fr); }
  .compliance__grid { grid-template-columns: repeat(2, 1fr); }
  .contact-methods { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
  .eligibility__grid { grid-template-columns: repeat(2, 1fr); }
  .eligibility__grid .btn { grid-column: 1 / -1; }

  .hero__grid { gap: var(--sp-6); }
  .hero__phones { max-width: 420px; min-height: 500px; }
}

@media (max-width: 860px) {
  /* ---- Nav: brand + toggle on first row, links & CTA drop into drawer ---- */
  .nav { gap: var(--sp-3); }
  .nav__links, .nav__cta { display: none; }
  .nav__toggle { display: flex; order: 3; margin-left: auto; }
  .brand { order: 0; min-width: 0; }
  .brand__name { font-size: 1.1rem; }

  .site-header.nav-open {
    height: auto;
    min-height: calc(var(--header-h) + env(safe-area-inset-top, 0));
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(var(--glass-blur));
    -webkit-backdrop-filter: blur(var(--glass-blur));
    box-shadow: var(--sh-lg);
    border-bottom: 1px solid var(--ink-100);
  }
  .site-header.nav-open .nav { flex-wrap: wrap; row-gap: 0; padding-top: var(--sp-2); padding-bottom: var(--sp-4); }
  .site-header.nav-open .nav__links {
    display: flex; flex-direction: column; gap: 0; order: 4; align-items: stretch;
    flex-basis: 100%; width: 100%; margin: 0; font-size: 1rem; font-weight: 600;
    border-top: 1px solid var(--ink-100); margin-top: var(--sp-2);
  }
  .site-header.nav-open .nav__links a { padding: var(--sp-4) 0; border-bottom: 1px solid var(--ink-100); }
  .site-header.nav-open .nav__cta {
    display: flex; flex-direction: column; order: 5; flex-basis: 100%; width: 100%;
    gap: var(--sp-3); margin-top: var(--sp-4);
  }
  .site-header.nav-open .nav__cta .btn { flex: 1; justify-content: center; width: 100%; }

  /* ---- Hero ---- */
  .hero { padding-top: calc(var(--header-h) + env(safe-area-inset-top, 0px) + var(--sp-6)); padding-bottom: var(--sp-7); }
  .pagehero { padding-top: calc(var(--header-h) + env(safe-area-inset-top, 0px) + var(--sp-6)); }
  .hero__grid { grid-template-columns: 1fr; text-align: center; gap: var(--sp-6); }
  .hero__sub { margin-inline: auto; }
  .hero__actions, .hero__trust, .finalcta__actions, .story__actions { justify-content: center; }
  .hero__visual { margin-top: var(--sp-4); width: 100%; overflow: hidden; }
  .hero__phones { max-width: 340px; min-height: 420px; margin-inline: auto; }
  .hero__title { letter-spacing: -0.02em; }
  .eyebrow { font-size: var(--fs-xs); max-width: 100%; text-align: left; }
  .floatcard { display: none; }

  .eligibility { margin-top: var(--sp-6); }

  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .how {
    flex-direction: column;
    align-items: center;
    gap: var(--sp-6);
  }
  .how__visual { width: 100%; }
  .how__steps { max-width: 100%; width: 100%; }

  .product, .story, .contact-layout, .calc { grid-template-columns: 1fr; gap: var(--sp-6); }
  .calc__result { position: static; }

  .statstrip, .impact__grid { grid-template-columns: repeat(2, 1fr); gap: var(--sp-5); }

  .story { text-align: left; }

  /* ---- Tighter vertical rhythm on tablets/phones ---- */
  .section { padding-block: var(--sp-7); }
  .section__head { margin-bottom: var(--sp-6); }
  .finalcta { padding-block: var(--sp-7); }
  .compliance { padding: var(--sp-6); }
  .story__quote { padding: var(--sp-6); }
}

@media (max-width: 560px) {
  .feature-grid, .values, .operate, .explainer, .contact-methods { grid-template-columns: 1fr; }
  .compliance__grid { grid-template-columns: 1fr; }
  .reviews { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
  .eligibility__grid { grid-template-columns: 1fr; }
  .calc__manual { grid-template-columns: 1fr; gap: var(--sp-3); }
  .calc__panel, .calc__result { padding: var(--sp-5); }
  .calc__emi { font-size: 2rem; }
  .calc__field { grid-template-columns: 1fr; }
  .calc__field output { justify-self: start; }

  .how__steps { --how-icon-size: 46px; }
  .how__phone { width: min(250px, 80vw); }
  .how__step p { max-width: none; }
  .how__step:hover { transform: none; }

  .hero__phones { max-width: 300px; min-height: 372px; }
  .hero__phone--back { width: 52%; animation: none; }
  .hero__phone--front { width: 56%; animation: none; }
  .hero__visual:hover .hero__phone--back,
  .hero__visual:hover .hero__phone--front { transform: none; }

  .hero__trust { gap: var(--sp-4) var(--sp-5); }
  .hero__trust strong { font-size: 1.25rem; }
  .pagehero__stats { gap: var(--sp-4) var(--sp-6); }
  .pagehero__stats strong { font-size: clamp(1.1rem, 0.95rem + 1.2vw, 1.5rem); word-break: break-word; }

  .btn--lg { width: 100%; }
  .hero__actions, .finalcta__actions, .story__actions {
    flex-direction: column;
    align-items: stretch;
    gap: var(--sp-3);
  }

  .container { padding-inline: max(var(--sp-4), env(safe-area-inset-left, 0px)) max(var(--sp-4), env(safe-area-inset-right, 0px)); }
  .eligibility__card { padding: var(--sp-4); }
  .form-card { padding: var(--sp-5); }

  .review__head { flex-wrap: wrap; }
  .review__stars { margin-left: 0; width: 100%; padding-top: var(--sp-1); }

  .faq__item summary { padding: var(--sp-4); font-size: 0.95rem; line-height: 1.45; }
  .faq__body { padding: 0 var(--sp-4) var(--sp-4); }

  .marquee__item { font-size: 0.9rem; padding: 0.4rem 0.75rem; }

  .contact-card p { word-break: break-word; }
  .hours-table { font-size: var(--fs-xs); display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .hours-table thead, .hours-table tbody { display: table; width: 100%; min-width: 280px; }

  .story__quote blockquote { font-size: 1.15rem; }

  .impact { padding-block: var(--sp-7); }
  .impact__num { font-size: clamp(1.8rem, 1.2rem + 2.5vw, 2.6rem); }

  .calc__field input[type="range"]::-webkit-slider-thumb { width: 28px; height: 28px; }
  .calc__field input[type="range"]::-moz-range-thumb { width: 24px; height: 24px; }

  .footer__bottom { gap: var(--sp-3); }
  .footer__social { margin-left: 0; }
  .footer__disclaimer { flex-basis: 100%; }
}

@media (max-width: 400px) {
  .steps { grid-template-columns: 1fr; }
  .statstrip, .impact__grid { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .hero__trust { gap: var(--sp-3) var(--sp-4); }
  .hero__phones { max-width: 256px; min-height: 320px; }

  .footer__bottom { justify-content: center; text-align: center; }
  .footer__social { justify-content: center; width: 100%; }

  .pagehero h1 { font-size: clamp(1.75rem, 1.4rem + 2vw, 2.2rem); }
  .section__title { font-size: clamp(1.5rem, 1.2rem + 1.8vw, 1.9rem); }
  .finalcta h2 { font-size: clamp(1.5rem, 1.2rem + 1.8vw, 1.9rem); }

  .nav__toggle { width: 40px; height: 40px; }
  .brand__logo { width: 34px; height: 34px; }
}

@media (max-width: 380px) {
  .hero__trust li { flex: 1 1 calc(50% - var(--sp-3)); min-width: 0; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .reveal { opacity: 1; transform: none; }
  .reveal--left, .reveal--right { transform: none; }
  .how__shot { opacity: 1; transition: none; }
  .how__shot:not(.is-active) { display: none; }
  .how__phone { animation: none; }
  .how__glow { animation: none; }
}