/* Credit Lelo - Premium Fintech UI */
:root{
  --navy:#0b1e3f; --navy-2:#13294b; --navy-soft:#1e3a6b;
  --green:#10b981; --green-2:#059669; --green-soft:#d1fae5;
  --white:#ffffff; --bg:#f7fafc; --muted:#64748b; --text:#0f172a;
  --border:#e2e8f0; --shadow:0 10px 30px -12px rgba(11,30,63,.18);
  --shadow-sm:0 4px 14px -6px rgba(11,30,63,.12);
  --radius:14px; --radius-lg:20px; --radius-sm:10px;
  --container:1200px; --transition:.25s cubic-bezier(.4,0,.2,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none;transition:color var(--transition)}
.container{max-width:var(--container);margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-weight:700;color:var(--navy);line-height:1.2;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.4rem);margin-bottom:.5rem}
h3{font-size:1.25rem}
p{color:var(--muted)}
.section{padding:80px 0}
.section-head{text-align:center;max-width:720px;margin:0 auto 48px}
.section-head p{margin-top:10px}
.eyebrow{display:inline-block;color:var(--green-2);background:var(--green-soft);padding:6px 14px;border-radius:999px;font-weight:600;font-size:.8rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:14px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:12px;font-weight:600;font-size:.95rem;cursor:pointer;border:none;transition:all var(--transition);white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);transform:translateY(-2px);box-shadow:0 12px 24px -10px rgba(11,30,63,.4)}
.btn-accent{background:var(--green);color:#fff}
.btn-accent:hover{background:var(--green-2);transform:translateY(-2px);box-shadow:0 12px 24px -10px rgba(16,185,129,.45)}
.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--border)}
.btn-outline:hover{border-color:var(--navy);background:var(--navy);color:#fff}
.btn-ghost{background:transparent;color:var(--navy);padding:8px 14px}
.btn-ghost:hover{color:var(--green-2)}
.btn-block{width:100%}

/* Navbar */
.navbar{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--border);transition:box-shadow var(--transition)}
.navbar.scrolled{box-shadow:var(--shadow-sm)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{font-weight:800;font-size:1.35rem;color:var(--navy);display:flex;align-items:center;gap:8px}
.logo-mark{width:34px;height:34px;background:linear-gradient(135deg,var(--navy),var(--green));border-radius:10px;display:grid;place-items:center;color:#fff;font-weight:800}
.logo span{color:var(--green-2)}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links a{padding:10px 14px;border-radius:8px;font-weight:500;font-size:.93rem;color:var(--text)}
.nav-links a:hover,.nav-links a.active{color:var(--green-2);background:var(--green-soft)}
.nav-cta{display:flex;gap:10px;align-items:center}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;font-size:1.6rem;color:var(--navy)}
@media(max-width:980px){
  .nav-links,.nav-cta .btn:not(.btn-accent){display:none}
  .nav-toggle{display:block}
  .nav-links.open{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;background:#fff;padding:20px;gap:4px;border-bottom:1px solid var(--border);box-shadow:var(--shadow)}
  .nav-links.open a{width:100%}
}

/* Hero */
.hero{padding:60px 0 100px;background:radial-gradient(1200px 600px at 80% -10%,rgba(16,185,129,.12),transparent 60%),radial-gradient(900px 500px at -10% 20%,rgba(11,30,63,.08),transparent 60%)}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;align-items:center}
.hero h1 span{color:var(--green-2)}
.hero .lead{font-size:1.15rem;margin:20px 0 30px;max-width:560px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{display:flex;gap:24px;margin-top:36px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:.9rem}
.trust-item strong{color:var(--navy);font-size:1.1rem;display:block}
.hero-image{position:relative}
.hero-image img{border-radius:var(--radius-lg);animation:float 6s ease-in-out infinite}
.hero-badge{position:absolute;background:#fff;padding:14px 18px;border-radius:14px;box-shadow:var(--shadow);display:flex;align-items:center;gap:10px;font-weight:600;font-size:.9rem;animation:float 5s ease-in-out infinite}
.hero-badge.b1{top:10%;left:-20px;color:var(--green-2)}
.hero-badge.b2{bottom:14%;right:-10px;color:var(--navy);animation-delay:1.5s}
.dot{width:10px;height:10px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(16,185,129,.25)}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr;gap:40px}.hero-badge{display:none}}

/* Card grid */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
@media(max-width:900px){.grid-3{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.grid-3,.grid-2{grid-template-columns:1fr}}

/* Loan card */
.loan-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:all var(--transition);position:relative;overflow:hidden}
.loan-card::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,transparent,rgba(16,185,129,.06));opacity:0;transition:opacity var(--transition)}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.loan-card:hover::before{opacity:1}
.loan-card>*{position:relative}
.loan-card .icon-wrap{width:72px;height:72px;border-radius:16px;background:var(--green-soft);display:grid;place-items:center;margin-bottom:18px;overflow:hidden}
.loan-card .icon-wrap img{width:60px;height:60px;object-fit:contain}
.loan-card h3{margin-bottom:8px}
.loan-card .desc{margin-bottom:20px;font-size:.93rem}
.loan-meta{display:grid;grid-template-columns:1fr 1fr;gap:12px;background:var(--bg);padding:14px;border-radius:12px;margin-bottom:20px}
.loan-meta div{display:flex;flex-direction:column}
.loan-meta label{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-weight:600}
.loan-meta strong{color:var(--navy);font-size:.98rem;margin-top:2px}
.card-actions{display:flex;gap:10px}
.card-actions .btn{flex:1;padding:11px 14px;font-size:.88rem}

/* How it works */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
.step{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;text-align:center;transition:all var(--transition);position:relative}
.step:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm);border-color:var(--green)}
.step-num{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-soft));color:#fff;display:grid;place-items:center;font-weight:700;margin:0 auto 16px;font-size:1.1rem}
.step h3{font-size:1.05rem;margin-bottom:8px}
.step p{font-size:.88rem}
@media(max-width:880px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}

/* Partners */
.partners{background:var(--bg)}
.partners-slider{display:flex;gap:40px;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.partners-track{display:flex;gap:40px;animation:scroll 25s linear infinite;flex-shrink:0}
.partner-logo{flex-shrink:0;width:170px;height:80px;background:#fff;border:1px solid var(--border);border-radius:12px;display:grid;place-items:center;font-weight:700;color:var(--navy);font-size:1.05rem;transition:all var(--transition)}
.partner-logo:hover{border-color:var(--green);color:var(--green-2)}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(calc(-170px * 6 - 240px))}}

/* Testimonials */
.testimonial{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;transition:all var(--transition)}
.testimonial:hover{box-shadow:var(--shadow-sm);transform:translateY(-4px)}
.stars{color:#f59e0b;margin-bottom:14px;letter-spacing:2px}
.testimonial p{color:var(--text);font-size:.95rem;margin-bottom:18px;font-style:italic}
.t-author{display:flex;align-items:center;gap:12px}
.avatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--green));color:#fff;display:grid;place-items:center;font-weight:700}
.t-author strong{display:block;color:var(--navy);font-size:.95rem}
.t-author span{font-size:.82rem;color:var(--muted)}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:12px;overflow:hidden;transition:all var(--transition)}
.faq-item.open{border-color:var(--green);box-shadow:var(--shadow-sm)}
.faq-q{padding:18px 22px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:600;color:var(--navy);gap:14px}
.faq-q::after{content:"+";font-size:1.5rem;color:var(--green-2);transition:transform var(--transition);flex-shrink:0}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;padding:0 22px;color:var(--muted)}
.faq-item.open .faq-a{max-height:300px;padding:0 22px 18px}

/* EMI Calculator */
.calc-wrap{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow-sm)}
.calc-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
@media(max-width:840px){.calc-grid{grid-template-columns:1fr}}
.slider-block{margin-bottom:24px}
.slider-block .head{display:flex;justify-content:space-between;margin-bottom:10px;align-items:center}
.slider-block label{font-weight:600;color:var(--navy);font-size:.92rem}
.slider-val{background:var(--green-soft);color:var(--green-2);padding:6px 12px;border-radius:8px;font-weight:700;font-size:.9rem}
input[type=range]{width:100%;-webkit-appearance:none;height:6px;background:var(--border);border-radius:99px;outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--green);border-radius:50%;cursor:pointer;border:3px solid #fff;box-shadow:0 2px 8px rgba(16,185,129,.4);transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;background:var(--green);border-radius:50%;cursor:pointer;border:3px solid #fff}
.range-meta{display:flex;justify-content:space-between;margin-top:6px;font-size:.78rem;color:var(--muted)}
.calc-result{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:28px;border-radius:var(--radius);text-align:center}
.calc-result .emi-big{font-size:2.4rem;font-weight:800;margin:8px 0 6px;color:#fff}
.calc-result .emi-big span{color:var(--green);font-size:1.4rem}
.calc-result .label{font-size:.85rem;opacity:.8;text-transform:uppercase;letter-spacing:.05em}
.calc-result hr{border:none;border-top:1px solid rgba(255,255,255,.15);margin:18px 0}
.calc-row{display:flex;justify-content:space-between;margin:8px 0;font-size:.92rem}
.calc-row span:last-child{font-weight:700;color:var(--green)}

/* Forms */
.form-wrap{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow-sm)}
.progress{display:flex;justify-content:space-between;margin-bottom:30px;position:relative;counter-reset:step}
.progress::before{content:"";position:absolute;top:18px;left:8%;right:8%;height:3px;background:var(--border);z-index:0;border-radius:2px}
.progress::after{content:"";position:absolute;top:18px;left:8%;height:3px;background:var(--green);z-index:1;border-radius:2px;transition:width .4s;width:0}
.progress[data-step="2"]::after{width:42%}
.progress[data-step="3"]::after{width:84%}
.p-step{position:relative;z-index:2;text-align:center;flex:1}
.p-step .circle{width:38px;height:38px;border-radius:50%;background:#fff;border:2px solid var(--border);color:var(--muted);display:grid;place-items:center;margin:0 auto 8px;font-weight:700;transition:all .3s}
.p-step.active .circle,.p-step.done .circle{border-color:var(--green);background:var(--green);color:#fff}
.p-step span{font-size:.82rem;color:var(--muted);font-weight:500}
.p-step.active span{color:var(--navy);font-weight:600}
.form-step{display:none;animation:fadeIn .3s ease}
.form-step.active{display:block}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.field-grid{grid-template-columns:1fr}}
.field{margin-bottom:16px}
.field label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.field input,.field select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:10px;font-size:.95rem;font-family:inherit;transition:all var(--transition);background:#fff}
.field input:focus,.field select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px rgba(16,185,129,.12)}
.field .err{color:#dc2626;font-size:.8rem;margin-top:4px;display:none}
.field.invalid .err{display:block}
.field.invalid input,.field.invalid select{border-color:#dc2626}
.form-nav{display:flex;justify-content:space-between;margin-top:24px;gap:12px}

/* Footer */
.footer{background:var(--navy);color:#cbd5e1;padding:64px 0 20px;margin-top:80px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
@media(max-width:840px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.footer h4{color:#fff;margin-bottom:16px;font-size:1rem}
.footer p{color:#94a3b8;font-size:.9rem;margin-bottom:14px}
.footer ul{list-style:none}
.footer li{margin-bottom:8px}
.footer a{color:#cbd5e1;font-size:.9rem}
.footer a:hover{color:var(--green)}
.footer .logo{color:#fff}
.socials{display:flex;gap:10px;margin-top:14px}
.socials a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.06);display:grid;place-items:center;color:#fff;font-weight:600;transition:all var(--transition)}
.socials a:hover{background:var(--green);transform:translateY(-3px)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:20px;text-align:center;font-size:.85rem;color:#94a3b8}

/* Page hero (subpages) */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:70px 0;text-align:center}
.page-hero h1{color:#fff;margin-bottom:10px}
.page-hero p{color:rgba(255,255,255,.85);max-width:680px;margin:0 auto;font-size:1.05rem}
.breadcrumb{display:flex;justify-content:center;gap:8px;color:rgba(255,255,255,.7);font-size:.85rem;margin-bottom:16px}
.breadcrumb a:hover{color:var(--green)}

/* Feature lists */
.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;list-style:none}
@media(max-width:600px){.feature-list{grid-template-columns:1fr}}
.feature-list li{display:flex;gap:12px;background:#fff;padding:16px;border:1px solid var(--border);border-radius:12px;transition:all var(--transition)}
.feature-list li:hover{border-color:var(--green);transform:translateX(4px)}
.feature-list .check{flex-shrink:0;width:28px;height:28px;border-radius:8px;background:var(--green-soft);color:var(--green-2);display:grid;place-items:center;font-weight:700}
.feature-list strong{display:block;color:var(--navy);margin-bottom:2px;font-size:.95rem}
.feature-list small{color:var(--muted);font-size:.84rem}

/* Rate cards */
.rate-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:760px){.rate-grid{grid-template-columns:1fr}}
.rate-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px;text-align:center;transition:all var(--transition)}
.rate-card:hover{border-color:var(--green);transform:translateY(-4px);box-shadow:var(--shadow-sm)}
.rate-card .bank{font-weight:700;color:var(--navy);margin-bottom:8px}
.rate-card .rate{font-size:2rem;color:var(--green-2);font-weight:800;margin:8px 0}
.rate-card small{color:var(--muted)}

/* Sticky Apply */
.sticky-apply{position:fixed;bottom:24px;right:24px;z-index:50;box-shadow:0 14px 30px -10px rgba(16,185,129,.5)}

/* Thank you */
.ty-hero{background:linear-gradient(135deg,var(--green-soft),#fff);padding:60px 0;text-align:center}
.success-icon{width:80px;height:80px;background:var(--green);border-radius:50%;display:grid;place-items:center;margin:0 auto 20px;color:#fff;font-size:2.5rem;animation:pop .5s ease}
@keyframes pop{0%{transform:scale(0)}70%{transform:scale(1.15)}100%{transform:scale(1)}}
.partner-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;transition:all var(--transition);position:relative}
.partner-card.top{border-color:var(--green);box-shadow:0 12px 30px -12px rgba(16,185,129,.25)}
.partner-card .top-badge{position:absolute;top:-10px;right:18px;background:var(--green);color:#fff;padding:4px 12px;border-radius:99px;font-size:.72rem;font-weight:700;letter-spacing:.05em}
.partner-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.pc-head{display:flex;gap:14px;align-items:center;margin-bottom:16px}
.pc-logo{width:54px;height:54px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--green));color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.2rem;flex-shrink:0}
.pc-name{font-weight:700;color:var(--navy)}
.pc-elig{display:inline-block;background:var(--green-soft);color:var(--green-2);padding:3px 10px;border-radius:99px;font-size:.72rem;font-weight:600;margin-top:4px}
.pc-stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;background:var(--bg);padding:12px;border-radius:10px;margin-bottom:16px}
.pc-stats div{font-size:.78rem;color:var(--muted)}
.pc-stats strong{display:block;color:var(--navy);font-size:.95rem;margin-top:2px}
.chance-bar{height:6px;background:var(--border);border-radius:99px;overflow:hidden;margin:6px 0 14px}
.chance-bar span{display:block;height:100%;background:linear-gradient(90deg,var(--green),var(--green-2));border-radius:99px;transition:width .6s}
.submitted{display:inline-flex;align-items:center;gap:6px;color:var(--green-2);font-size:.82rem;font-weight:600;margin-top:8px}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(20px);transition:all .6s ease}
.reveal.visible{opacity:1;transform:none}