:root {
     --primary-blue: #003366;
     --accent-gold: #FFD700;
     --light-bg: #f8f9fa;
     --biz-navy: #002347;
     --biz-gold: #c5a059;
     --home-green: #2d6a4f;
     --home-accent: #ff9f1c;
     --lap-purple: #4361ee;
     --lap-dark: #3f37c9;
     --primary-navy: #002347;
     --accent-blue: #0d6efd;
     --bg-light: #f4f7f9;
 }

 body {

     font-family: 'Poppins', sans-serif;
     color: #333;
 }

 /* Navbar */

 .btn-primary {
     background-color: var(--primary-blue);
     border: none;
     box-shadow: 2px 2px 10px var(--primary-blue);
 }

 .navbar-brand img {
     width: 225px;
     height: 70px;
     object-fit: contain;
 }

 /* Hero Section */
 .hero {
     background: linear-gradient(rgba(0, 51, 102, 0.8), rgba(0, 51, 102, 0.8)),
         url('https://images.unsplash.com/photo-1454165833767-02750849223e?auto=format&fit=crop&w=1350&q=80');
     background-size: cover;
     color: white;
     padding: 100px 0;
 }

 /* ── BADGE ────────────────────────────── */
 .loan-badge-wrapper {
     display: inline-flex;
     align-items: center;
     gap: 12px;
     background: rgba(255, 255, 255, 0.05);
     border: 1px solid rgba(212, 175, 55, 0.3);
     border-radius: 50px;
     padding: 10px 18px;
     margin-bottom: 28px;
     backdrop-filter: blur(10px);
     box-shadow: 0 4px 20px whitesmoke;
 }

 .badge-pulse {
     width: 12px;
     height: 12px;
     background: var(--accent-gold);
     border-radius: 50%;
     animation: pulse-glow 1.6s infinite;
 }

 @keyframes pulse-glow {
     0% {
         transform: scale(1);
         box-shadow: 0 0 0 0 rgba(212, 175, 55, 0.6);
     }

     70% {
         transform: scale(1.4);
         box-shadow: 0 0 0 10px rgba(212, 175, 55, 0);
     }

     100% {
         transform: scale(1);
     }
 }

 .badge-loan-text {
     font-size: clamp(16px, 2vw, 22px);
     font-weight: 600;
     color: #fff;
     min-width: 160px;
     text-align: left;
     transition: all 0.3s ease;
 }

 .badge-loan-text.fade-out {
     opacity: 0;
     transform: translateY(-6px);
 }

 .badge-loan-text.fade-in {
     opacity: 1;
     transform: translateY(0);
 }

 .badge-amount {
     background: linear-gradient(90deg, #d4af37, #f5d76e);
     color: #000;
     font-size: clamp(13px, 1.5vw, 16px);
     font-weight: 700;
     padding: 5px 14px;
     border-radius: 50px;
     white-space: nowrap;
 }

 /* ── HERO TEXT ────────────────────────────── */
 .hero-title {
     font-size: clamp(2.5rem, 5vw, 4rem);
     font-weight: 800;
     color: #fff;
     line-height: 1.2;
     margin-bottom: 20px;
 }

 .hero-title .gold {
     color: var(--accent-gold);
 }

 .hero-lead {
     color: rgba(255, 255, 255, 0.75);
     font-size: clamp(1rem, 1.2vw, 1.2rem);
     max-width: 520px;
     margin-bottom: 35px;
 }

 /* ── STATS ────────────────────────────── */
 .hero .stats h3 {
     font-size: clamp(1.5rem, 2vw, 2rem);
     color: #fff;
 }

 .hero .stats p {
     color: rgba(255, 255, 255, 0.6);
     margin: 0;
 }

 /* ── RESPONSIVE FIXES ────────────────────────────── */
 @media (max-width: 768px) {

     .hero {
         padding: 60px 0;
         text-align: center;
     }

     .loan-badge-wrapper {
         justify-content: center;
         flex-wrap: wrap;
         gap: 8px;
     }

     .badge-loan-text {
         min-width: auto;
         text-align: center;
     }

     .hero-lead {
         margin-left: auto;
         margin-right: auto;
     }

     .hero .d-flex {
         justify-content: center !important;
     }
 }

 /* Lead Form */
 .lead-form {
     background: white;
     padding: 30px;
     border-radius: 12px;
     box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
     color: #333;
 }

 /* Service Cards */
 .service-card {
     transition: transform 0.3s;
     border: none;
     box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
 }

 .service-card:hover {
     transform: translateY(-10px);
 }

 .icon-box {
     font-size: 2rem;
     color: var(--primary-blue);
     margin-bottom: 15px;
 }

 /* Footer */
 footer {
     background: #001a33;
     color: white;
     padding: 50px 0;
 }

 /* About Us Custom Styles */
 .about-img-stack {
     position: relative;
     padding-bottom: 30px;
 }

 .experience-badge {
     bottom: -20px;
     right: 20px;
     width: 180px;
     text-align: center;
     border: 5px solid white;
 }

 #about h6 {
     letter-spacing: 2px;
 }

 #about .bg-light {
     transition: all 0.3s ease;
 }

 #about .d-flex:hover .bg-light {
     background-color: var(--primary-blue) !important;
     color: white !important;
 }

 :root {
     --primary-blue: #003366;
     --accent-gold: #FFD700;
 }

 body {
     font-family: 'Inter', sans-serif;
     background-color: #f4f7f9;
 }

 .contact-header {
     background: var(--primary-blue);
     color: white;
     padding: 80px 0;
     text-align: center;
 }

 .contact-card {
     background: white;
     border-radius: 15px;
     overflow: hidden;
     box-shadow: 0 15px 35px rgba(0, 0, 0, 0.1);
     margin-top: -50px;
 }

 .info-panel {
     background: #002244;
     color: white;
     padding: 40px;
 }

 .info-panel .text-white-50 {
     font-size: 0.75rem;
     letter-spacing: 1px;
 }

 .icon-circle {
     width: 45px;
     height: 45px;
     background: rgba(255, 255, 255, 0.1);
     /* Subtle light background */
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     flex-shrink: 0;
 }

 .map-container {
     height: 100%;
     min-height: 400px;
     width: 100%;
 }

 .map-container iframe {
     width: 100%;
     height: 100%;
     border: 0;
 }

 .btn-submit {
     background-color: var(--primary-blue);
     color: white;
     padding: 12px 30px;
     border-radius: 8px;
     border: none;
     font-weight: 600;
 }

 /* social media icons */
 .social-sidebar {
     position: fixed;
     left: -60px;
     /* Hidden by default off-screen */
     top: 50%;
     transform: translateY(-50%);
     display: flex;
     flex-direction: column;
     z-index: 9999;
     transition: all 0.4s ease-in-out;
     opacity: 0;
 }

 /* Class to be added via JS on scroll */
 .social-sidebar.show {
     left: 0;
     opacity: 1;
 }

 .social-icon {
     width: 50px;
     height: 50px;
     display: flex;
     align-items: center;
     justify-content: center;
     color: white;
     text-decoration: none;
     font-size: 24px;
     transition: 0.3s;
 }

 .whatsapp {
     background-color: #25D366;
     border-radius: 0 8px 0 0;
 }

 .instagram {
     background-color: #E1306C;
     border-radius: 0 0 8px 0;
 }

 .social-icon:hover {
     width: 65px;
     /* Expands slightly on hover */
     padding-left: 15px;
     color: white;
 }



 /* ------------ personal loan style ------------- */

 .apply-now-header {
     background-color: #f8f9fa;
     border-bottom: 1px solid #eee;
     padding: 15px 0;
 }

 .hero-section {
     padding: 80px 0;
     background-color: #fff;
 }

 .hero-image {
     width: 100%;
     height: 450px;
     object-fit: cover;
     object-position: center;
     border-radius: 20px;
     box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
     transition: transform 0.3s ease;
 }

 .hero-image:hover {
     transform: scale(1.02);
 }

 .badge-finance {
     background-color: rgba(0, 51, 102, 0.1);
     color: var(--primary-blue);
     font-weight: 600;
     padding: 8px 16px;
     border-radius: 50px;
     display: inline-block;
     margin-bottom: 20px;
 }

 .btn-apply-main {
     background-color: var(--primary-blue);
     color: white;
     padding: 15px 40px;
     font-weight: 700;
     border-radius: 10px;
     transition: 0.3s;
 }

 .btn-apply-main:hover {
     background-color: #002244;
     color: white;
     transform: translateY(-3px);
 }

 /* Container basics */
 .logo-marquee {
     width: 100%;
     overflow: hidden;
     padding: 20px 0;
 }

 .logo-track {
     display: flex;
     width: calc(250px * 16);
     animation: scroll 40s linear infinite;
 }

 .marquee-item {
     width: 250px;
     flex-shrink: 0;
     display: flex;
     justify-content: center;
     align-items: center;
     padding: 0 30px;
 }

 .marquee-item img {
     max-width: 100%;
     height: 40px;
     object-fit: contain;
     transition: all 0.3s ease;
 }

 .marquee-item img:hover {
     transform: scale(1.1);
 }

 /* --- RESPONSIVENESS --- */

 /* For Tablets (Under 992px) */
 @media (max-width: 992px) {
     .logo-track {
         width: calc(200px * 16);
         animation: scroll 30s linear infinite;
     }

     .marquee-item {
         width: 200px;
         padding: 0 20px;
     }

     .marquee-item img {
         height: 35px;
         max-width: 100%;
     }
 }

 /* For Mobile (Under 576px) */
 @media (max-width: 576px) {
     .logo-track {
         width: calc(150px * 16);
         animation: scroll 20s linear infinite;
     }

     .marquee-item {
         width: 150px;
         padding: 0 15px;
     }

     .marquee-item img {
         height: 28px;
     }
 }

 @keyframes scroll {
     0% {
         transform: translateX(0);
     }

     100% {
         transform: translateX(calc(-250px * 8));
     }

     /* Desktop default */
 }

 /* Adjust keyframes for mobile to avoid "jumps" */
 @media (max-width: 992px) {
     @keyframes scroll {
         0% {
             transform: translateX(0);
         }

         100% {
             transform: translateX(calc(-200px * 8));
         }
     }
 }

 @media (max-width: 576px) {
     @keyframes scroll {
         0% {
             transform: translateX(0);
         }

         100% {
             transform: translateX(calc(-150px * 8));
         }
     }
 }

 /* Pause on touch/hover */
 .logo-marquee:hover .logo-track {
     animation-play-state: paused;
 }





 /* -------------- business loan style -------------- */

 .biz-hero {
     background: linear-gradient(rgba(0, 35, 71, 0.85), rgba(0, 35, 71, 0.85)),
         url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1500&q=80');
     background-size: cover;
     background-position: center;
     padding: 100px 0;
     color: white;
 }

 .biz-card {
     border: none;
     border-bottom: 4px solid transparent;
     transition: 0.3s;
     background: #fff;
 }

 .biz-card:hover {
     border-bottom: 4px solid var(--biz-gold);
     transform: translateY(-5px);
     box-shadow: 0 15px 30px rgba(0, 0, 0, 0.08);
 }

 .calculator-box {
     background: #fff;
     border-radius: 20px;
     border: 1px solid #eee;
 }

 .step-number {
     width: 40px;
     height: 40px;
     background: var(--biz-navy);
     color: white;
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     font-weight: bold;
     margin-bottom: 15px;
 }

 /* --------------------- home loan style ----------------- */

 .home-hero {
     background: linear-gradient(rgba(0, 0, 0, 0.5), rgba(0, 0, 0, 0.5)),
         url('https://images.unsplash.com/photo-1512917774080-9991f1c4c750?auto=format&fit=crop&w=1500&q=80');
     background-size: cover;
     background-position: center;
     padding: 120px 0;
     color: white;
     border-radius: 0 0 50px 50px;
 }

 .benefit-icon {
     width: 60px;
     height: 60px;
     background: rgba(45, 106, 79, 0.1);
     color: var(--home-green);
     border-radius: 12px;
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 1.5rem;
     margin-bottom: 20px;
 }

 .eligibility-card {
     border: none;
     background: #f8f9fa;
     border-left: 5px solid var(--home-green);
     transition: 0.3s;
 }

 .promo-banner {
     background: var(--home-green);
     border-radius: 20px;
     padding: 40px;
     color: white;
 }

 /* --------------------- loan against property style ----------------- */

 .lap-hero {
     background: linear-gradient(120deg, #3f37c9 0%, #4361ee 100%);
     color: white;
     padding: 100px 0;
     clip-path: ellipse(150% 100% at 50% 0%);
     /* Modern curved bottom */
 }

 .property-type-card {
     border: 2px solid #f1f1f1;
     border-radius: 15px;
     padding: 30px;
     text-align: center;
     transition: 0.3s;
     background: white;
 }

 .property-type-card:hover {
     border-color: var(--lap-purple);
     transform: translateY(-10px);
     box-shadow: 0 15px 30px rgba(67, 97, 238, 0.1);
 }

 .benefit-box {
     border-left: 4px solid var(--lap-purple);
     background: #fff;
     padding: 20px;
     border-radius: 0 15px 15px 0;
     box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
 }

 .cta-box {
     background: #000;
     color: #fff;
     border-radius: 25px;
     padding: 50px;
 }

 /* --------------------- About us style ----------------- */

 .about-hero {
     background: linear-gradient(rgba(0, 35, 71, 0.8), rgba(0, 35, 71, 0.8)),
         url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1500&q=80');
     background-size: cover;
     background-position: center;
     padding: 100px 0;
     color: white;
     text-align: center;
 }

 .stat-card {
     border: none;
     border-top: 5px solid var(--primary-navy);
     transition: 0.3s;
 }

 .stat-card:hover {
     transform: translateY(-10px);
 }

 .mission-section {
     background-color: #f8f9fa;
     border-radius: 50px 0 50px 0;
 }

 .value-icon {
     width: 70px;
     height: 70px;
     background: var(--primary-navy);
     color: white;
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 1.5rem;
     margin-bottom: 20px;
 }

 /* --------------------- Connect us style ----------------- */

 .connect-header {
     background-color: var(--primary-blue);
     color: white;
     padding: 50px 0;
     margin-bottom: -40px;
 }

 .contact-card {
     border: none;
     border-radius: 15px;
     transition: 0.3s;
 }

 .contact-card:hover {
     transform: translateY(-5px);
 }


 /* --------------------- Apply Loan style ----------------- */

 .form-control,
 .form-select {
     padding: 12px 15px;
     border: 1px solid #e1e1e1;
     border-radius: 8px;
 }

 .form-control:focus {
     box-shadow: 0 0 0 0.25rem rgba(13, 110, 253, 0.1);
     border-color: var(--accent-blue);
 }

 .map-container {
     border-radius: 20px;
     overflow: hidden;
     box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
     height: 400px;
 }

 .icon-circle {
     width: 50px;
     height: 50px;
     background: rgba(13, 110, 253, 0.1);
     color: var(--accent-blue);
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 1.2rem;
 }

 .apply-header {
     background-color: var(--primary-blue);
     color: white;
     padding: 60px 0;
     margin-bottom: -50px;
     /* Overlap effect */
 }

 .application-card {
     background: white;
     border-radius: 20px;
     box-shadow: 0 15px 35px rgba(0, 0, 0, 0.05);
     border: none;
     margin-bottom: 30px;
 }

 .form-label {
     font-weight: 600;
     font-size: 1rem;
     color: #444;
 }

 .form-control,
 .form-select {
     padding: 12px;
     border-radius: 10px;
     border: 1px solid #dee2e6;
 }

 .form-control:focus {
     border-color: var(--primary-blue);
     box-shadow: 0 0 0 0.25rem rgba(0, 51, 102, 0.1);
 }

 .section-title {
     border-left: 4px solid var(--primary-blue);
     padding-left: 15px;
     margin-bottom: 25px;
     color: var(--primary-blue);
     font-weight: 700;
 }

 .btn-apply {
     background: var(--primary-blue);
     color: white;
     padding: 15px 40px;
     border-radius: 10px;
     font-weight: 700;
     border: none;
     transition: 0.3s;
 }

 .btn-apply:hover {
     background: #002244;
     transform: translateY(-2px);
 }

 .stepper {
     display: flex;
     justify-content: space-between;
     margin-bottom: 30px;
     position: relative;
 }

 .stepper::before {
     content: "";
     position: absolute;
     top: 18px;
     left: 0;
     right: 0;
     height: 3px;
     background: #e9ecef;
     z-index: 0;
 }

 .step {
     text-align: center;
     z-index: 1;
     width: 33%;
 }

 .step span {
     display: inline-block;
     width: 36px;
     height: 36px;
     line-height: 36px;
     border-radius: 50%;
     background: #e9ecef;
     font-weight: bold;
 }

 .step.active span,
 .step.completed span {
     background: #198754;
     color: #fff;
 }

 .step p {
     margin-top: 8px;
     font-size: 14px;
 }

 @media (max-width: 576px) {
     .step p {
         font-size: 10px;
     }
 }

 .form-step {
     display: none;
 }

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

 /* Mobile Responsive */
 @media (max-width: 576px) {
     .navbar-brand img {
         width: 180px;
         height: 50px;
     }

     .container .lead {
         font-size: 0.95rem;
     }

     #advantage h6 {
         font-size: 0.9rem;
     }

     #advantage h2 {
         font-size: 1.25rem;
     }

     #advantage h5 {
         font-size: 1.05rem;
     }

     .steps h2 {
         font-size: 1.3rem;
     }

     .steps h5 {
         font-size: 1.05rem;
     }

     .steps p {
         font-size: 0.9rem;
     }

     .about-index h6 {
         font-size: 0.9rem;
     }

     .about-index h2 {
         font-size: 1.3rem;
     }


 }