/* ===== RITZZPAY DESIGN SYSTEM ===== */
/* Aligned with Figma specs */

/* CSS Variables */
:root {
  --primary: #1E40AF;
  --primary-hover: #1a3490;
  --primary-light: #eef2ff;
  --primary-50: #eef2ff;
  --primary-100: #DBEAFE;
  --primary-500: #3b5bdb;
  --primary-600: #2b4acb;
  --primary-700: #1E40AF;
  --primary-800: #1a3490;

  --text-heading: #111827;
  --text-body: #374151;
  --text-muted: #4A5565;
  --text-light: #94a3b8;

  --bg-white: #FFFFFF;
  --bg-surface: #f8fafc;
  --bg-surface-2: #ECEDEB;

  --border: #E5E7EB;
  --border-light: #f1f5f9;

  --green: #16a34a;
  --green-light: #dcfce7;
  --purple: #7c3aed;
  --purple-light: #ede9fe;
  --orange: #ea580c;
  --orange-light: #fff7ed;
  --cyan: #0891b2;
  --cyan-light: #ecfeff;

  --btn-dark: #3F4C3A;
  --btn-dark-hover: #2d3829;

  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -2px rgba(0,0,0,0.05);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.04);
  --shadow-2xl: 0 24px 48px -12px rgba(17, 24, 39, 0.25);

  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --max-width: 1216px;
  --header-height: 80px;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

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

body {
  font-family: var(--font);
  color: var(--text-body);
  background: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

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

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

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--text-heading);
  line-height: 1.3;
  font-weight: 700;
}

/* ===== LAYOUT ===== */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 96px 0;
}

.hero + .section {
  padding-top: 56px;
}

.section--alt {
  background: var(--bg-surface-2);
}

.section-title {
  font-size: 36px;
  line-height: 40px;
  text-align: center;
  margin-bottom: 8px;
  letter-spacing: 0.37px;
  color: #0A0A0A;
}

.section-title--left {
  text-align: left;
}

.section-subtitle {
  font-size: 18px;
  line-height: 28px;
  text-align: center;
  color: var(--text-heading);
  max-width: 800px;
  margin: 0 auto 64px;
}

.section-subtitle--left {
  text-align: left;
  margin-left: 0;
}

/* ===== HEADER / NAVBAR ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: transparent;
  height: var(--header-height);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

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

.header__logo img {
  height: 40px;
  width: auto;
}

.header__logo span {
  font-size: 24px;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: 0.07px;
  line-height: 32px;
}

.header__nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.header__nav a {
  font-size: 16px;
  font-weight: 400;
  color: #364153;
  transition: color 0.2s;
  letter-spacing: -0.31px;
  line-height: 24px;
}

.header__nav a:hover,
.header__nav a.active {
  color: var(--primary);
}

/* Services dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropdown__trigger {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 16px;
  font-weight: 500;
  color: #364153;
  transition: color 0.2s;
  padding: 8px 0;
  letter-spacing: -0.31px;
  line-height: 24px;
}

.nav-dropdown__trigger:hover,
.nav-dropdown.active .nav-dropdown__trigger {
  color: var(--primary);
}

.nav-dropdown__trigger svg {
  width: 16px;
  height: 16px;
  transition: transform 0.2s;
}

.nav-dropdown.open .nav-dropdown__trigger svg {
  transform: rotate(180deg);
}

.nav-dropdown__menu {
  position: absolute;
  top: 100%;
  left: -16px;
  min-width: 220px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.2s;
  z-index: 50;
}

.nav-dropdown.open .nav-dropdown__menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown__menu a {
  display: block;
  padding: 10px 12px;
  font-size: 14px;
  border-radius: var(--radius-sm);
  transition: background 0.15s;
}

.nav-dropdown__menu a:hover {
  background: var(--bg-surface);
}

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

.store-badge {
  height: 40px;
  border-radius: 6px;
  transition: opacity 0.2s;
}

.store-badge:hover {
  opacity: 0.85;
}

/* Mobile menu toggle */
.header__mobile-toggle {
  display: none;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
}

.header__mobile-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text-heading);
  position: relative;
  transition: all 0.3s;
}

.header__mobile-toggle span::before,
.header__mobile-toggle span::after {
  content: '';
  position: absolute;
  width: 100%;
  height: 100%;
  background: var(--text-heading);
  transition: all 0.3s;
}

.header__mobile-toggle span::before { top: -7px; }
.header__mobile-toggle span::after { top: 7px; }

.header__mobile-toggle.open span {
  background: transparent;
}

.header__mobile-toggle.open span::before {
  top: 0;
  transform: rotate(45deg);
}

.header__mobile-toggle.open span::after {
  top: 0;
  transform: rotate(-45deg);
}

/* Mobile nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--bg-white);
  z-index: 99;
  padding: 24px;
  overflow-y: auto;
}

.mobile-nav.open {
  display: block;
}

.mobile-nav a {
  display: block;
  padding: 14px 0;
  font-size: 16px;
  font-weight: 500;
  color: var(--text-heading);
  border-bottom: 1px solid var(--border-light);
}

.mobile-nav__services {
  padding-left: 16px;
  display: none;
}

.mobile-nav__services.open {
  display: block;
}

.mobile-nav__services a {
  font-size: 14px;
  font-weight: 400;
  color: var(--text-body);
}

.mobile-nav__stores {
  display: flex;
  gap: 12px;
  margin-top: 24px;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px 24px;
  font-size: 16px;
  font-weight: 600;
  line-height: 24px;
  border-radius: var(--radius-sm);
  transition: all 0.2s;
  white-space: nowrap;
}

.btn--primary {
  background: var(--btn-dark);
  color: #fff;
}

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

.btn--blue {
  background: var(--primary);
  color: #fff;
}

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

.btn--outline {
  background: transparent;
  color: var(--text-heading);
  border: 1.5px solid var(--border);
}

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

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

.btn--white:hover {
  background: var(--bg-surface);
}

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

/* ===== HERO ===== */
.hero {
  padding: 72px 0 60px;
  position: relative;
  overflow: hidden;
}

.hero--bg-image {
  background: url('../use_images/Background.png') no-repeat center / 100% 100%;
  min-height: 786px;
}

.hero--gradient {
  background: linear-gradient(180deg, rgba(242, 247, 255, 0.7) 0%, rgba(242, 247, 255, 0.3) 100%);
}

.hero--blue {
  background: linear-gradient(180deg, rgba(242, 247, 255, 0.7) 0%, rgba(219, 234, 254, 0.5) 100%);
}

.hero__inner {
  display: flex;
  align-items: flex-start;
  gap: 32px;
}

.hero__content {
  flex: 1;
  padding-top: 96px;
  padding-right: 48px;
  max-width: 696px;
}

.hero__image {
  flex: 0 0 540px;
  display: flex;
  justify-content: center;
  align-items: flex-end;
}

.hero__title {
  font-size: 60px;
  line-height: 72px;
  font-weight: 700;
  letter-spacing: -0.025em;
  color: var(--text-heading);
  margin-bottom: 16px;
}

.hero__subtitle {
  font-size: 18px;
  line-height: 28px;
  color: var(--text-body);
  margin-bottom: 32px;
  max-width: 696px;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero__phone {
  max-width: 420px;
  width: 100%;
  height: auto;
  filter: drop-shadow(0 24px 48px rgba(17, 24, 39, 0.25));
}

/* Centered hero (for sub-pages) */
.hero--center {
  text-align: center;
}

.hero--center .hero__content {
  padding-top: 48px;
  padding-right: 0;
  max-width: 800px;
  margin: 0 auto;
}

.hero--center .hero__title {
  font-size: 56px;
  line-height: 64px;
}

.hero--center .hero__subtitle {
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 32px;
}

/* Stats row in hero */
.hero__stats {
  display: flex;
  gap: 48px;
  justify-content: center;
  margin-top: 48px;
}

.hero__stat-value {
  font-size: 36px;
  font-weight: 800;
  color: var(--text-heading);
}

.hero__stat-label {
  font-size: 14px;
  color: var(--text-muted);
  margin-top: 4px;
}

/* ===== CARDS ===== */
.card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: box-shadow 0.2s;
}

.card:hover {
  box-shadow: var(--shadow-md);
}

.card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  background: var(--primary-100);
  color: var(--primary);
}

.card__icon--blue {
  background: var(--primary-100);
  color: var(--primary);
}

.card__icon--purple {
  background: var(--purple-light);
  color: var(--purple);
}

.card__icon--green {
  background: var(--green-light);
  color: var(--green);
}

.card__icon--orange {
  background: var(--orange-light);
  color: var(--orange);
}

.card__icon--cyan {
  background: var(--cyan-light);
  color: var(--cyan);
}

.card__title {
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 8px;
  color: #101828;
  line-height: 28px;
}

.card__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 20px;
}

/* Detail card (larger, with checklist) */
.detail-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  transition: box-shadow 0.2s;
}

.detail-card:hover {
  box-shadow: var(--shadow-md);
}

.detail-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: #fff;
}

.detail-card__icon--green { background: #16a34a; }
.detail-card__icon--purple { background: #7c3aed; }
.detail-card__icon--blue { background: var(--primary); }
.detail-card__icon--orange { background: #ea580c; }

.detail-card__title {
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-heading);
}

.detail-card__text {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 24px;
}

/* Check list */
.check-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.check-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  color: var(--text-body);
}

.check-list li svg {
  flex-shrink: 0;
  color: var(--green);
}

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

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

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

/* ===== WHY CHOOSE (with image) ===== */
.why-choose {
  display: flex;
  gap: 76px;
  align-items: center;
}

.why-choose__image {
  flex: 0 0 420px;
}

.why-choose__image img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-xl);
}

.why-choose__features {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

/* Feature cards */
.feature-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 24px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: box-shadow 0.2s;
}

.feature-card:hover {
  box-shadow: var(--shadow-md);
}

.feature-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: var(--primary-100);
  color: var(--primary);
}

.feature-card__title {
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 4px;
}

.feature-card__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* ===== PARTNERS SECTION ===== */
.partners-row {
  display: flex;
  align-items: center;
  gap: 64px;
  border-top: 1px solid var(--border);
  padding-top: 40px;
}

.partners-row__text {
  flex: 0 0 auto;
  max-width: 400px;
}

.partners-row__text h2 {
  font-size: 30px;
  font-weight: 700;
  margin-bottom: 8px;
}

.partners-row__text p {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.6;
}

.partners-row__logos {
  flex: 1;
  display: flex;
  align-items: center;
  gap: 48px;
  justify-content: flex-end;
}

.partners-row__logos img {
  height: 48px;
  width: auto;
  object-fit: contain;
}

/* ===== LOGO CAROUSEL ===== */
.logo-carousel {
  overflow: hidden;
  position: relative;
  padding: 20px 0;
  max-width: var(--max-width);
  margin: 0 auto;
}

.logo-carousel::before,
.logo-carousel::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}

.logo-carousel::before {
  left: 0;
  background: linear-gradient(to right, var(--bg-white), transparent);
}

.logo-carousel::after {
  right: 0;
  background: linear-gradient(to left, var(--bg-white), transparent);
}

.logo-carousel__track {
  display: flex;
  gap: 48px;
  align-items: center;
  animation: scroll-logos 25s linear infinite;
  width: max-content;
}

.logo-carousel__track:hover {
  animation-play-state: paused;
}

.logo-carousel__item {
  flex-shrink: 0;
  height: 48px;
  width: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.logo-carousel__item img {
  max-height: 100%;
  max-width: 100%;
  object-fit: contain;
  opacity: 0.6;
  transition: opacity 0.3s;
  filter: grayscale(30%);
}

.logo-carousel__item img:hover {
  opacity: 1;
  filter: grayscale(0%);
}

@keyframes scroll-logos {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ===== PROCESS STEPS ===== */
.steps {
  display: flex;
  gap: 24px;
  justify-content: center;
}

.step {
  text-align: center;
  flex: 1;
  max-width: 260px;
}

.step__number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-size: 20px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.step__title {
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 8px;
}

.step__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* ===== BILL CATEGORIES GRID ===== */
.bill-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.bill-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 24px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: box-shadow 0.2s;
}

.bill-card:hover {
  box-shadow: var(--shadow-md);
}

.bill-card__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: var(--primary-100);
  color: var(--primary);
}

.bill-card__title {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-heading);
}

.bill-card__text {
  font-size: 13px;
  color: var(--text-muted);
}

/* ===== LOAN CARDS ===== */
.loan-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.loan-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  transition: box-shadow 0.2s;
}

.loan-card:hover {
  box-shadow: var(--shadow-md);
}

.loan-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: #fff;
}

.loan-card__icon--green { background: #16a34a; }
.loan-card__icon--blue { background: var(--primary); }
.loan-card__icon--purple { background: #7c3aed; }
.loan-card__icon--orange { background: #ea580c; }

.loan-card__title {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 10px;
}

.loan-card__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 20px;
}

/* ===== STAT CARDS ===== */
.stat-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.stat-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  text-align: center;
}

.stat-card__value {
  font-size: 36px;
  font-weight: 800;
  color: var(--primary);
}

.stat-card__value--green {
  color: var(--green);
}

.stat-card__label {
  font-size: 14px;
  color: var(--text-muted);
  margin-top: 4px;
}

/* ===== ELIGIBILITY CARDS ===== */
.eligibility-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  max-width: 900px;
  margin: 0 auto;
}

.eligibility-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--bg-white);
}

.eligibility-card__label {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.eligibility-card__value {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-heading);
}

.eligibility-card svg {
  color: var(--green);
  flex-shrink: 0;
}

/* ===== CALLOUT BOX ===== */
.callout {
  background: var(--primary-100);
  border-left: 4px solid var(--primary);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin-top: 24px;
}

.callout__title {
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.callout__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ===== ABOUT PAGE ===== */
.about-story {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about-story__image {
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--bg-surface-2);
  display: flex;
  align-items: center;
  justify-content: center;
}

.about-story__image img {
  width: 100%;
  height: auto;
}

.about-story__text h2 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 24px;
}

.about-story__text p {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 16px;
}

/* ===== CONTACT ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

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

.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-heading);
  margin-bottom: 6px;
}

.form-input,
.form-textarea,
.form-select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-family: inherit;
  color: var(--text-heading);
  transition: border-color 0.2s;
  background: var(--bg-white);
}

.form-input:focus,
.form-textarea:focus,
.form-select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30, 64, 175, 0.1);
}

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-info__item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact-info__icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--primary-100);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info__label {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-heading);
  margin-bottom: 2px;
}

.contact-info__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* Social links */
.social-links {
  display: flex;
  gap: 12px;
  margin-top: 8px;
}

.social-link {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-body);
  transition: all 0.2s;
}

.social-link:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: var(--primary-50);
}

/* Map */
.map-placeholder {
  width: 100%;
  height: 220px;
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-top: 24px;
}

.map-placeholder img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.map-label {
  position: absolute;
  bottom: 16px;
  left: 16px;
  background: var(--bg-white);
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
}

.map-label__title {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-heading);
}

.map-label__text {
  font-size: 12px;
  color: var(--text-muted);
}

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, #1a3490 0%, #1E40AF 50%, #2b4acb 100%);
  padding: 72px 0;
  text-align: center;
  color: #fff;
}

.cta-banner__title {
  font-size: 36px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 16px;
  font-style: italic;
}

.cta-banner__text {
  font-size: 16px;
  opacity: 0.85;
  max-width: 700px;
  margin: 0 auto 32px;
  line-height: 1.7;
}

.cta-banner__stores {
  display: flex;
  gap: 16px;
  justify-content: center;
}

.cta-banner__stores img {
  height: 48px;
}

/* ===== FOOTER (Dark) ===== */
.footer {
  background: #000000;
  padding: 28px 0;
}

.footer__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.footer__copyright {
  font-size: 14px;
  font-weight: 600;
  color: #fff;
  margin: 0;
}

.footer__links {
  display: flex;
  gap: 6px;
  align-items: center;
  flex-wrap: wrap;
}

.footer__links a {
  font-size: 14px;
  font-weight: 600;
  color: #fff;
  transition: opacity 0.2s;
}

.footer__links a:hover {
  opacity: 0.8;
}

.footer__sep {
  color: #fff;
  font-size: 14px;
}

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

.footer__social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  transition: background 0.2s, color 0.2s;
}

.footer__social a:hover {
  background: var(--primary);
  color: #fff;
}

/* ===== PARTNER PAGE GRID ===== */
.partner-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.partner-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 80px;
  transition: box-shadow 0.2s;
}

.partner-card:hover {
  box-shadow: var(--shadow-md);
}

.partner-card img {
  max-height: 40px;
  width: auto;
  object-fit: contain;
}

/* ===== FAQ ===== */
.faq-list {
  max-width: 700px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
}

.faq-item__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 18px 20px;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-heading);
  text-align: left;
  cursor: pointer;
  background: var(--bg-white);
  transition: background 0.2s;
}

.faq-item__question:hover {
  background: var(--bg-surface);
}

.faq-item__question svg {
  flex-shrink: 0;
  transition: transform 0.3s;
  color: var(--text-muted);
}

.faq-item.open .faq-item__question svg {
  transform: rotate(180deg);
}

.faq-item__answer {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s;
}

.faq-item.open .faq-item__answer {
  max-height: 300px;
  padding: 0 20px 18px;
}

.faq-item__answer p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ===== BENEFITS ===== */
.benefits-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

/* ===== STATS ROW ===== */
.stats {
  display: flex;
  gap: 48px;
  justify-content: center;
}

.stat {
  text-align: center;
}

.stat__value {
  font-size: 36px;
  font-weight: 800;
  color: var(--text-heading);
}

.stat__label {
  font-size: 14px;
  color: var(--text-muted);
  margin-top: 4px;
}

/* ===== LEGAL / POLICY PAGES ===== */
.legal-content {
  max-width: 860px;
  margin: 0 auto;
}

.legal-content h2 {
  font-size: 22px;
  font-weight: 700;
  color: var(--text-heading);
  margin: 40px 0 16px;
}

.legal-content h2:first-of-type {
  margin-top: 0;
}

.legal-content h3 {
  font-size: 17px;
  font-weight: 600;
  color: var(--text-heading);
  margin: 24px 0 12px;
}

.legal-content p {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-muted);
  margin-bottom: 12px;
}

.legal-content ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 16px;
}

.legal-content ul li {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.legal-content .legal-meta {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}

.legal-content .legal-contact {
  background: var(--bg-surface-2);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin-top: 32px;
}

.legal-content .legal-contact p {
  margin-bottom: 6px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .container { padding: 0 20px; }
  .hero__title { font-size: 48px; line-height: 56px; }
  .hero--center .hero__title { font-size: 44px; line-height: 52px; }
  .section-title { font-size: 30px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .partner-grid { grid-template-columns: repeat(3, 1fr); }
  .why-choose { gap: 40px; }
  .why-choose__image { flex: 0 0 320px; }
  .hero__content { padding-top: 48px; padding-right: 24px; }
  .hero__image { flex: 0 0 380px; }
  .partners-row { flex-direction: column; gap: 32px; }
  .partners-row__logos { justify-content: flex-start; flex-wrap: wrap; }
}

@media (max-width: 768px) {
  .header__nav,
  .header__actions {
    display: none;
  }

  .header__mobile-toggle {
    display: flex;
  }

  .hero__inner {
    flex-direction: column;
    gap: 40px;
  }

  .hero__content {
    padding-top: 24px;
    padding-right: 0;
  }

  .hero__image {
    flex: auto;
  }

  .hero__title { font-size: 36px; line-height: 44px; }
  .hero--center .hero__title { font-size: 32px; line-height: 40px; }
  .hero { padding: 48px 0 40px; }
  .hero--bg-image { min-height: auto; }
  .hero__phone { max-width: 260px; }
  .section { padding: 64px 0; }
  .section-title { font-size: 26px; }
  .section-subtitle { margin-bottom: 40px; }

  .grid-2,
  .grid-3 {
    grid-template-columns: 1fr;
  }

  .grid-4 {
    grid-template-columns: 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .about-story {
    grid-template-columns: 1fr;
  }

  .why-choose {
    flex-direction: column;
  }

  .why-choose__image {
    flex: auto;
    max-width: 500px;
  }

  .benefits-two-col {
    grid-template-columns: 1fr;
  }

  .loan-cards {
    grid-template-columns: 1fr;
  }

  .bill-grid {
    grid-template-columns: 1fr;
  }

  .eligibility-grid {
    grid-template-columns: 1fr;
  }

  .partner-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .stats {
    gap: 24px;
    flex-wrap: wrap;
  }

  .hero__stats {
    gap: 32px;
    flex-wrap: wrap;
  }

  .footer__inner {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }

  .footer__links {
    justify-content: center;
  }

  .footer__social {
    justify-content: center;
  }

  .steps {
    flex-direction: column;
    align-items: center;
  }

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

  .hero__actions {
    justify-content: center;
  }

  .stat-cards {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .hero__title { font-size: 32px; line-height: 40px; }
  .hero--center .hero__title { font-size: 28px; line-height: 36px; }
  .section-title { font-size: 24px; }
  .partner-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-cards { grid-template-columns: 1fr 1fr; }
}

/* ===== UTILITIES ===== */
.text-center { text-align: center; }
.text-left { text-align: left; }
.mt-4 { margin-top: 16px; }
.mt-6 { margin-top: 24px; }
.mt-8 { margin-top: 32px; }
.mt-12 { margin-top: 48px; }
.mb-4 { margin-bottom: 16px; }
.mb-6 { margin-bottom: 24px; }
.mb-8 { margin-bottom: 32px; }
.mb-12 { margin-bottom: 48px; }