:root{
    --bg:#04060d; --bg-2:#080c18;
    --surface:rgba(140,170,255,0.035); --surface-2:rgba(140,170,255,0.07);
    --border:rgba(160,185,255,0.09); --border-2:rgba(160,185,255,0.17);
    --text:#eef2ff; --muted:#8d97b5; --dim:#5a6385;
    --blue:#5b8cff; --blue-2:#3d63f5; --ice:#a9c8ff;
    --gold:#f4c56a; --gold-2:#ffe3a3; --gold-3:#b9802a;
    --green:#4ade9b; --wa:#25d366;
    --radius:22px; --ease:cubic-bezier(.16,1,.3,1);
    --sans:'Geist','Noto Sans Devanagari',system-ui,sans-serif;
    --serif:'Instrument Serif','Tiro Devanagari Hindi',serif;
    --mono:'Geist Mono','Noto Sans Devanagari',monospace;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{font-family:var(--sans);background:var(--bg);color:var(--text);line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased;}
a{color:inherit;text-decoration:none;}
button,input,select,textarea{font:inherit;color:inherit;}
svg.i{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0;}
.mono{font-family:var(--mono);}
.wrap{max-width:1240px;margin:0 auto;padding:0 28px;}
::selection{background:rgba(91,140,255,.4);color:#fff;}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;}

/* ============ BACKGROUND ============ */
.aurora{position:fixed;inset:0;z-index:-3;overflow:hidden;pointer-events:none;}
.aurora i{position:absolute;border-radius:50%;filter:blur(100px);opacity:.55;will-change:transform;}
.aurora i:nth-child(1){width:50vw;height:50vw;left:-14vw;top:-18vw;background:radial-gradient(circle,#1a2f8f,transparent 70%);animation:drift1 24s ease-in-out infinite alternate;}
.aurora i:nth-child(2){width:42vw;height:42vw;right:-12vw;top:16vh;background:radial-gradient(circle,#0e3c9e,transparent 70%);opacity:.4;animation:drift2 28s ease-in-out infinite alternate;}
.aurora i:nth-child(3){width:36vw;height:36vw;left:34vw;bottom:-22vw;background:radial-gradient(circle,#3a2a10,transparent 70%);opacity:.5;animation:drift3 32s ease-in-out infinite alternate;}
@keyframes drift1{to{transform:translate(12vw,10vh) scale(1.15);}}
@keyframes drift2{to{transform:translate(-14vw,18vh) scale(.9);}}
@keyframes drift3{to{transform:translate(-10vw,-14vh) scale(1.2);}}
#bg3d{position:fixed;inset:0;width:100vw;height:100vh;z-index:-2;display:block;pointer-events:none;}
.grid-bg{position:fixed;inset:0;z-index:-1;pointer-events:none;background-image:linear-gradient(rgba(160,185,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(160,185,255,.04) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:radial-gradient(ellipse 70% 55% at 50% 0%,#000 30%,transparent 75%);mask-image:radial-gradient(ellipse 70% 55% at 50% 0%,#000 30%,transparent 75%);}
.grain{position:fixed;inset:-50%;z-index:100;pointer-events:none;opacity:.045;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");animation:grain 1s steps(4) infinite;}
@keyframes grain{0%{transform:translate(0,0);}25%{transform:translate(-3%,2%);}50%{transform:translate(2%,-3%);}75%{transform:translate(-2%,-1%);}100%{transform:translate(1%,3%);}}
.cursor-glow{position:fixed;left:0;top:0;width:560px;height:560px;margin:-280px 0 0 -280px;border-radius:50%;background:radial-gradient(circle,rgba(91,140,255,.09),transparent 60%);pointer-events:none;z-index:-1;transform:translate3d(-999px,-999px,0);}

/* ============ NAV ============ */
header{position:fixed;top:16px;left:0;right:0;z-index:50;display:flex;justify-content:center;padding:0 16px;}
nav{width:100%;max-width:1120px;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 10px 10px 18px;border-radius:999px;background:rgba(8,12,24,.55);border:1px solid var(--border);backdrop-filter:blur(18px) saturate(140%);-webkit-backdrop-filter:blur(18px) saturate(140%);transition:background .3s,border-color .3s,box-shadow .3s;}
header.scrolled nav{background:rgba(8,12,24,.85);border-color:var(--border-2);box-shadow:0 20px 50px -20px rgba(0,0,0,.7);}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:16.5px;letter-spacing:-.2px;white-space:nowrap;}
.logo-mark{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-size:16px;font-weight:700;color:#6b440c;background:radial-gradient(circle at 35% 30%,#fff0c4,#f2c063 50%,#a8701e);box-shadow:0 0 0 2px rgba(122,79,16,.35) inset,0 6px 18px -6px rgba(244,197,106,.7);}
.nav-links{display:flex;gap:2px;}
.nav-links a{font-size:14px;color:var(--muted);padding:8px 12px;border-radius:999px;transition:color .2s,background .2s;white-space:nowrap;}
.nav-links a:hover{color:var(--text);background:var(--surface-2);}
.nav-right{display:flex;align-items:center;gap:8px;}
.lang{display:flex;padding:3px;border-radius:999px;background:rgba(140,170,255,.05);border:1px solid var(--border);}
.lang button{border:none;background:transparent;color:var(--muted);font-size:12.5px;font-weight:600;padding:6px 10px;border-radius:999px;cursor:pointer;transition:all .25s var(--ease);font-family:var(--sans);}
.lang button:hover{color:var(--text);}
.lang button.active{background:var(--blue);color:#fff;box-shadow:0 4px 14px -4px rgba(91,140,255,.8);}
.menu-btn{display:none;width:40px;height:40px;border-radius:50%;border:1px solid var(--border-2);background:transparent;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:4px;}
.menu-btn span{width:16px;height:1.5px;background:var(--text);transition:transform .3s var(--ease),opacity .2s;}
.menu-btn.open span:nth-child(1){transform:translateY(5.5px) rotate(45deg);}
.menu-btn.open span:nth-child(2){opacity:0;}
.menu-btn.open span:nth-child(3){transform:translateY(-5.5px) rotate(-45deg);}
.mobile-menu{position:fixed;top:78px;left:16px;right:16px;z-index:49;border-radius:22px;padding:10px;background:rgba(8,12,24,.94);border:1px solid var(--border-2);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);display:flex;flex-direction:column;opacity:0;transform:translateY(-10px) scale(.98);pointer-events:none;transition:all .35s var(--ease);}
.mobile-menu.open{opacity:1;transform:none;pointer-events:auto;}
.mobile-menu a{padding:13px 16px;border-radius:14px;color:var(--muted);font-weight:500;}
.mobile-menu a:hover{background:var(--surface-2);color:var(--text);}
.mobile-menu .btn{margin-top:6px;color:#fff;}

/* ============ BUTTONS ============ */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:9px;height:46px;padding:0 22px;border-radius:999px;border:none;cursor:pointer;font-weight:600;font-size:14.5px;letter-spacing:-.1px;white-space:nowrap;transition:transform .35s var(--ease),box-shadow .35s,background .3s,border-color .3s,color .3s;}
.btn .i{width:17px;height:17px;transition:transform .35s var(--ease);}
.btn:hover .i.arrow{transform:translateX(3px);}
.btn-sm{height:40px;padding:0 18px;font-size:13.5px;}
.btn-primary{color:#fff;overflow:hidden;background:linear-gradient(180deg,#7ea4ff,var(--blue) 45%,var(--blue-2));box-shadow:0 0 0 1px rgba(255,255,255,.22) inset,0 1px 0 rgba(255,255,255,.35) inset,0 10px 30px -10px rgba(91,140,255,.85),0 0 60px -18px rgba(91,140,255,.7);}
.btn-primary::after{content:'';position:absolute;top:0;left:-60%;width:40%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.5),transparent);transform:skewX(-20deg);animation:shine 3.6s var(--ease) infinite;}
@keyframes shine{0%,55%{left:-60%;}100%{left:130%;}}
.btn-primary:hover{box-shadow:0 0 0 1px rgba(255,255,255,.3) inset,0 1px 0 rgba(255,255,255,.4) inset,0 16px 40px -10px rgba(91,140,255,1),0 0 80px -14px rgba(91,140,255,.8);}
.btn-ghost{background:var(--surface);color:var(--text);border:1px solid var(--border-2);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);}
.btn-ghost:hover{background:var(--surface-2);border-color:rgba(169,200,255,.35);}
.btn-wa{color:#04210f;background:linear-gradient(180deg,#5cf091,var(--wa));box-shadow:0 0 0 1px rgba(255,255,255,.25) inset,0 10px 26px -10px rgba(37,211,102,.8);}
.btn-wa:hover{box-shadow:0 0 0 1px rgba(255,255,255,.3) inset,0 14px 34px -10px rgba(37,211,102,1);}
.btn-block{width:100%;height:52px;font-size:15px;}

/* ============ COMMON ============ */
.pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;border-radius:999px;font-size:13px;color:var(--muted);position:relative;border:1px solid transparent;background:linear-gradient(var(--bg-2),var(--bg-2)) padding-box,conic-gradient(from var(--a),rgba(160,185,255,.15) 0 65%,var(--blue) 80%,var(--ice) 88%,rgba(160,185,255,.15)) border-box;animation:spin 4s linear infinite;}
.pill b{font-weight:600;color:#fff;background:linear-gradient(180deg,#7ea4ff,var(--blue-2));padding:3px 10px;border-radius:999px;font-size:11.5px;letter-spacing:.3px;}
@property --a{syntax:'<angle>';initial-value:0deg;inherits:false;}
@keyframes spin{to{--a:360deg;}}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--mono);font-size:12px;letter-spacing:1.6px;text-transform:uppercase;color:var(--ice);margin-bottom:18px;}
.eyebrow::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--blue);box-shadow:0 0 12px var(--blue);}
.section{padding:130px 0;position:relative;}
.section > .wrap{position:relative;}
.section-head{max-width:680px;margin-bottom:64px;position:relative;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head h2{font-size:clamp(34px,4.6vw,56px);line-height:1.06;font-weight:600;letter-spacing:-2px;margin-bottom:18px;}
.section-head p{font-size:17px;color:var(--muted);max-width:540px;}
.section-head.center p{margin:0 auto;}
.gold{font-family:var(--serif);font-style:italic;font-weight:400;letter-spacing:-1px;padding-right:.06em;background:linear-gradient(100deg,#ffe3a3 0%,#f4c56a 30%,#fff6dc 50%,#f4c56a 70%,#c58b33 100%);background-size:200% auto;-webkit-background-clip:text;background-clip:text;color:transparent;animation:sheen 6s linear infinite;}
@keyframes sheen{to{background-position:-200% center;}}
.fade-text{background:linear-gradient(180deg,#fff 30%,rgba(238,242,255,.6));-webkit-background-clip:text;background-clip:text;color:transparent;}
.fade-text .gold{-webkit-text-fill-color:transparent;}
.glass{background:linear-gradient(180deg,rgba(140,170,255,.06),rgba(140,170,255,.018));border:1px solid var(--border);border-radius:var(--radius);backdrop-filter:blur(18px) saturate(130%);-webkit-backdrop-filter:blur(18px) saturate(130%);box-shadow:0 1px 0 rgba(255,255,255,.05) inset,0 30px 60px -30px rgba(0,0,0,.8);}
.spot{position:relative;isolation:isolate;overflow:hidden;}
.spot::before{content:'';position:absolute;inset:0;z-index:-1;opacity:0;transition:opacity .4s;background:radial-gradient(420px circle at var(--mx,50%) var(--my,50%),rgba(91,140,255,.14),transparent 45%);}
.spot::after{content:'';position:absolute;inset:0;border-radius:inherit;padding:1px;pointer-events:none;opacity:0;transition:opacity .4s;background:radial-gradient(300px circle at var(--mx,50%) var(--my,50%),rgba(169,200,255,.75),transparent 45%);-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask:linear-gradient(#000 0 0) content-box exclude,linear-gradient(#000 0 0);}
.spot:hover::before,.spot:hover::after{opacity:1;}
.reveal{opacity:0;transform:translateY(28px);filter:blur(8px);transition:opacity 1s var(--ease),transform 1s var(--ease),filter 1s var(--ease);transition-delay:var(--d,0s);}
.reveal.in{opacity:1;transform:none;filter:none;}
.a-side{position:absolute;right:0;top:-60px;width:38%;height:420px;pointer-events:none;}
#aCredit,#aDocs{top:-40px;height:330px;}
.slider{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;cursor:pointer;outline:none;background:linear-gradient(90deg,var(--blue-2),var(--ice)) 0/var(--p,50%) 100% no-repeat,rgba(160,185,255,.1);}
.slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--blue);box-shadow:0 0 0 6px rgba(91,140,255,.18),0 4px 14px rgba(0,0,0,.5);transition:box-shadow .2s;}
.slider::-webkit-slider-thumb:hover{box-shadow:0 0 0 10px rgba(91,140,255,.22),0 4px 14px rgba(0,0,0,.5);}
.slider::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:5px solid var(--blue);box-shadow:0 0 0 6px rgba(91,140,255,.18);}
.slider:focus-visible{outline:2px solid var(--ice);outline-offset:6px;}

/* ============ HERO ============ */
.hero{min-height:100vh;min-height:100svh;display:flex;align-items:center;padding:130px 0 80px;position:relative;}
.hero > .wrap{width:100%;min-width:0;}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;width:100%;}
.hero-grid > *{min-width:0;}
.hero h1{font-size:clamp(46px,7.2vw,96px);line-height:.98;letter-spacing:-4px;font-weight:600;margin:28px 0 26px;}
.hero h1 .gold{letter-spacing:-2px;}
.hero h1 .w{display:inline-block;overflow:hidden;vertical-align:top;padding-bottom:.08em;}
.hero h1 .w > span{display:inline-block;transform:translateY(110%);animation:rise 1.1s var(--ease) forwards;animation-delay:var(--d);}
@keyframes rise{to{transform:none;}}
.hero .lead{font-size:18.5px;color:var(--muted);max-width:540px;margin-bottom:38px;}
.hero .lead strong{color:var(--text);font-weight:500;}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:56px;}
.stats{display:flex;flex-wrap:wrap;}
.stat{padding:0 30px;border-left:1px solid var(--border-2);}
.stat:first-child{padding-left:0;border-left:none;}
.stat strong{display:block;font-size:34px;font-weight:600;letter-spacing:-1.5px;line-height:1.1;}
.stat strong span{font:inherit;color:inherit;letter-spacing:inherit;}
.stat > span{font-family:var(--mono);font-size:11.5px;color:var(--dim);text-transform:uppercase;letter-spacing:1px;}
.hero-visual{position:relative;height:560px;}
.float-card{position:absolute;padding:20px 22px;will-change:transform;}
.emi-card{left:-10px;bottom:0;width:280px;}
.emi-card .tag{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:600;color:var(--green);background:rgba(74,222,155,.1);border:1px solid rgba(74,222,155,.25);padding:4px 10px;border-radius:999px;margin-bottom:12px;}
.emi-card .tag::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--green);box-shadow:0 0 10px var(--green);animation:pulse 2s infinite;}
@keyframes pulse{50%{opacity:.3;}}
.emi-card h3{font-size:13px;color:var(--muted);font-weight:500;}
.emi-card .big{font-size:36px;font-weight:600;letter-spacing:-1.5px;margin:2px 0 12px;}
.emi-card .big small{font-size:14px;color:var(--muted);font-weight:500;letter-spacing:0;}
.bar{height:6px;border-radius:6px;background:rgba(160,185,255,.1);overflow:hidden;margin:10px 0;}
.bar i{display:block;height:100%;width:0;border-radius:6px;background:linear-gradient(90deg,var(--blue),var(--ice));box-shadow:0 0 12px rgba(91,140,255,.8);animation:grow 2s 1.2s var(--ease) forwards;}
@keyframes grow{to{width:82%;}}
.emi-card .row{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);}
.emi-card .row b{color:var(--green);font-weight:600;}
.chip{display:flex;align-items:center;gap:10px;padding:11px 16px 11px 11px;border-radius:16px;font-size:13.5px;font-weight:500;}
.chip .ic{width:32px;height:32px;border-radius:10px;display:grid;place-items:center;}
.chip .ic .i{width:17px;height:17px;}
.chip-1{top:8px;left:0;}
.chip-1 .ic{background:rgba(74,222,155,.14);color:var(--green);}
.chip-2{top:220px;right:-20px;}
.chip-2 .ic{background:rgba(91,140,255,.18);color:var(--ice);}
.bob{animation:bob 6s ease-in-out infinite;}
.bob.b2{animation-duration:7.5s;animation-delay:-2s;}
.bob.b3{animation-duration:8s;animation-delay:-4s;}
@keyframes bob{50%{translate:0 -10px;}}
.scroll-cue{position:absolute;left:50%;bottom:28px;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:8px;font-family:var(--mono);font-size:10.5px;letter-spacing:2px;color:var(--dim);}
.scroll-cue span{width:22px;height:34px;border:1px solid var(--border-2);border-radius:12px;position:relative;}
.scroll-cue span::after{content:'';position:absolute;left:50%;top:7px;width:3px;height:7px;margin-left:-1.5px;border-radius:2px;background:var(--ice);animation:wheel 1.8s var(--ease) infinite;}
@keyframes wheel{0%{opacity:0;transform:translateY(-3px);}40%{opacity:1;}100%{opacity:0;transform:translateY(10px);}}
.coin-hint{position:absolute;right:0;bottom:-34px;font-family:var(--mono);font-size:11px;color:var(--dim);letter-spacing:.5px;}

/* ============ MARQUEE ============ */
.marquee{padding:34px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:rgba(4,6,13,.55);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);}
.marquee-label{text-align:center;font-family:var(--mono);font-size:11.5px;letter-spacing:2px;color:var(--dim);text-transform:uppercase;margin-bottom:22px;}
.marquee-view{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 15%,#000 85%,transparent);mask-image:linear-gradient(90deg,transparent,#000 15%,#000 85%,transparent);}
.marquee-track{display:flex;gap:64px;width:max-content;animation:marq 34s linear infinite;}
.marquee-track span{font-size:21px;font-weight:600;letter-spacing:-.5px;color:#4b5475;white-space:nowrap;transition:color .3s;}
.marquee-track span:hover{color:var(--text);}
.marquee:hover .marquee-track{animation-play-state:paused;}
@keyframes marq{to{transform:translateX(-50%);}}

/* ============ SERVICES ============ */
.bento{display:grid;grid-template-columns:repeat(6,1fr);grid-auto-rows:minmax(220px,auto);gap:16px;}
.card{padding:30px;cursor:pointer;display:flex;flex-direction:column;transition:transform .5s var(--ease),border-color .3s;}
.card:hover{transform:translateY(-4px);border-color:var(--border-2);}
.card .ico{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;margin-bottom:auto;background:linear-gradient(180deg,rgba(91,140,255,.2),rgba(91,140,255,.05));border:1px solid rgba(91,140,255,.3);color:var(--ice);box-shadow:0 0 30px -8px rgba(91,140,255,.5);}
.card .ico .i{width:22px;height:22px;}
.card h4{font-size:21px;font-weight:600;letter-spacing:-.6px;margin:28px 0 8px;}
.card p{font-size:14.5px;color:var(--muted);max-width:440px;}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:18px;font-size:13px;font-weight:500;color:var(--ice);opacity:.75;transition:opacity .3s,gap .3s var(--ease);}
.card:hover .more{opacity:1;gap:10px;}
.card .more .i{width:15px;height:15px;}
.c-home{grid-column:span 4;grid-row:span 2;padding:34px 34px 26px;}
.c-home .top{display:flex;justify-content:space-between;align-items:flex-start;gap:20px;}
.c-home h4{font-size:32px;letter-spacing:-1.2px;margin-top:22px;}
.c-home p{font-size:16px;}
.c-vehicle,.c-edu,.c-business,.c-personal,.c-debt{grid-column:span 2;}
.best-badge{flex-shrink:0;text-align:right;}
.best-badge strong{display:block;font-size:40px;font-weight:600;letter-spacing:-2px;line-height:1;}
.best-badge span{font-family:var(--mono);font-size:11px;color:var(--dim);letter-spacing:1px;text-transform:uppercase;}
.rate-chart{position:relative;margin-top:26px;}
.rate-chart svg{width:100%;height:auto;display:block;overflow:visible;}
.rc-grid line{stroke:rgba(160,185,255,.08);stroke-dasharray:3 5;}
.rc-area{opacity:0;transition:opacity 1.4s .6s var(--ease);}
.rc-line{fill:none;stroke:url(#rcLine);stroke-width:3;stroke-linecap:round;filter:drop-shadow(0 0 8px rgba(91,140,255,.8));transition:stroke-dashoffset 2.2s var(--ease);}
.rc-avg{stroke:rgba(244,197,106,.55);stroke-dasharray:6 6;stroke-width:1.5;opacity:0;transition:opacity 1s 1.2s;}
.rc-avg-label{fill:var(--gold);font-family:var(--mono);font-size:12px;opacity:0;transition:opacity 1s 1.2s;}
.rc-best{opacity:0;transform-box:fill-box;transform-origin:center;transform:scale(.3);transition:opacity .6s 1.8s,transform .8s 1.8s var(--ease);}
.rc-ping{fill:none;stroke:var(--green);stroke-width:2;transform-box:fill-box;transform-origin:center;animation:rcping 2s 2.4s var(--ease) infinite;opacity:0;}
@keyframes rcping{0%{opacity:.9;transform:scale(1);}100%{opacity:0;transform:scale(3.2);}}
.rc-tag rect{fill:rgba(74,222,155,.14);stroke:rgba(74,222,155,.5);}
.rc-tag text{fill:var(--green);font-family:var(--mono);font-size:12px;}
.in .rc-area,.in .rc-avg,.in .rc-avg-label,.in .rc-best{opacity:1;}
.in .rc-best{transform:none;}
.in .rc-line{stroke-dashoffset:0 !important;}
.rc-hover{opacity:0;transition:opacity .2s;pointer-events:none;}
.rate-chart:hover .rc-hover{opacity:1;}
.rc-hover line{stroke:rgba(169,200,255,.4);stroke-dasharray:3 3;}
.rc-hover circle{fill:#fff;stroke:var(--blue);stroke-width:3;}
.rc-hover rect{fill:rgba(8,12,24,.92);stroke:var(--border-2);}
.rc-hover text{fill:var(--text);font-family:var(--mono);font-size:12px;}
.rate-legend{display:flex;justify-content:space-between;margin-top:12px;font-family:var(--mono);font-size:11px;color:var(--dim);gap:10px;flex-wrap:wrap;}

/* ============ PROCESS ============ */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;position:relative;}
.beam-line{position:absolute;top:44px;left:12%;right:12%;height:1px;background:var(--border-2);overflow:hidden;}
.beam-line::after{content:'';position:absolute;top:0;left:-30%;width:30%;height:100%;background:linear-gradient(90deg,transparent,var(--blue),var(--ice),transparent);animation:beam 3.2s var(--ease) infinite;}
@keyframes beam{to{left:110%;}}
.step{padding:26px;}
.step .num{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;font-family:var(--mono);font-size:13px;color:var(--ice);background:var(--bg-2);border:1px solid rgba(91,140,255,.45);box-shadow:0 0 24px -4px rgba(91,140,255,.55);margin-bottom:26px;position:relative;z-index:1;}
.step h4{font-size:18px;font-weight:600;letter-spacing:-.4px;margin-bottom:8px;}
.step p{font-size:14.5px;color:var(--muted);}

/* ============ CALCULATOR ============ */
.calc-wrap{position:relative;border-radius:30px;padding:1px;background:conic-gradient(from var(--a),rgba(160,185,255,.1) 0 60%,var(--blue) 75%,var(--ice) 85%,rgba(160,185,255,.1) 95%);animation:spin 6s linear infinite;}
.calc{border-radius:29px;background:rgba(6,9,19,.9);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);display:grid;grid-template-columns:1.1fr .9fr;overflow:hidden;}
.calc-inputs{padding:44px;border-right:1px solid var(--border);}
.calc-results{padding:40px;display:flex;flex-direction:column;gap:6px;background:radial-gradient(circle at 70% 0%,rgba(91,140,255,.1),transparent 60%);}
.field{margin-bottom:32px;}
.field-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;gap:12px;}
.field label,.field .lbl{font-size:14px;font-weight:500;color:var(--muted);}
.num-input{width:150px;height:40px;padding:0 14px;border-radius:12px;border:1px solid var(--border-2);background:rgba(140,170,255,.04);font-family:var(--mono);font-size:14px;text-align:right;transition:border-color .2s,box-shadow .2s;}
.num-input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(91,140,255,.18);}
.scale{display:flex;justify-content:space-between;margin-top:10px;font-family:var(--mono);font-size:11.5px;color:var(--dim);}
.scale .mid{color:var(--ice);}
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;}
.type-btn{height:42px;border-radius:12px;border:1px solid var(--border-2);background:rgba(140,170,255,.03);color:var(--muted);font-size:13.5px;font-weight:500;cursor:pointer;transition:all .25s var(--ease);}
.type-btn:hover{color:var(--text);border-color:rgba(169,200,255,.35);}
.type-btn.active{color:#fff;background:linear-gradient(180deg,#7ea4ff,var(--blue-2));border-color:transparent;box-shadow:0 8px 24px -8px rgba(91,140,255,.8);}
.emi-main .rl{font-size:13.5px;color:var(--muted);}
.emi-main .rv{font-size:52px;font-weight:600;letter-spacing:-2.5px;line-height:1.1;}
.emi-main .rs{font-family:var(--mono);font-size:11.5px;color:var(--dim);min-height:16px;}
.split{display:flex;height:10px;border-radius:10px;overflow:hidden;margin:16px 0 8px;gap:3px;}
.split i{display:block;height:100%;border-radius:10px;transition:flex-basis .6s var(--ease);}
.split .p{background:linear-gradient(90deg,var(--blue-2),var(--ice));box-shadow:0 0 14px rgba(91,140,255,.6);}
.split .q{background:linear-gradient(90deg,#c58b33,var(--gold));}
.legend{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);}
.legend span{display:flex;align-items:center;gap:7px;}
.legend i{width:8px;height:8px;border-radius:50%;}
.legend b{font-family:var(--mono);font-weight:500;color:var(--text);}
.amort{margin:14px 0 4px;padding:16px 16px 10px;border-radius:16px;background:rgba(140,170,255,.03);border:1px solid var(--border);}
.amort-head{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);margin-bottom:8px;gap:10px;flex-wrap:wrap;}
.amort-head .k{display:flex;gap:12px;}
.amort-head .k span{display:flex;align-items:center;gap:6px;}
.amort-head .k i{width:10px;height:2px;border-radius:2px;}
.amort svg{width:100%;height:auto;display:block;overflow:visible;}
.am-axis{display:flex;justify-content:space-between;font-family:var(--mono);font-size:10.5px;color:var(--dim);margin-top:6px;}
.am-bal{fill:none;stroke:var(--ice);stroke-width:2.2;filter:drop-shadow(0 0 6px rgba(91,140,255,.8));}
.am-int{fill:none;stroke:var(--gold);stroke-width:2.2;stroke-dasharray:5 4;}
.res-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:8px 0 14px;}
.res{padding:14px 16px;border-radius:14px;background:rgba(140,170,255,.03);border:1px solid var(--border);}
.res .rl{font-size:12px;color:var(--muted);}
.res .rv{font-size:22px;font-weight:600;letter-spacing:-.8px;}
.res .rs{font-family:var(--mono);font-size:10.5px;color:var(--dim);min-height:15px;}
.calc-actions{display:grid;grid-template-columns:1fr auto;gap:10px;margin-top:auto;}
.calc-actions .btn{height:50px;}

/* Prepayment planner */
.prepay{margin-top:20px;padding:40px;}
.prepay-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:center;}
.prepay h3{font-size:clamp(26px,3vw,36px);font-weight:600;letter-spacing:-1.2px;line-height:1.1;margin-bottom:10px;}
.prepay .sub{color:var(--muted);font-size:15px;margin-bottom:30px;}
.prepay .field{margin-bottom:26px;}
.pp-val{font-family:var(--mono);font-size:14px;color:var(--text);}
.pp-out{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
.pp-out .res .rv{font-size:24px;}
.pp-out .res.save{grid-column:span 2;background:linear-gradient(135deg,rgba(244,197,106,.1),rgba(244,197,106,.02));border-color:rgba(244,197,106,.25);}
.pp-out .res.save .rv{font-size:38px;letter-spacing:-1.6px;}
.pp-chart{padding:20px;border-radius:18px;background:rgba(140,170,255,.03);border:1px solid var(--border);}
.pp-chart svg{width:100%;height:auto;display:block;overflow:visible;}
.pp-old{fill:none;stroke:rgba(169,200,255,.45);stroke-width:2;stroke-dasharray:5 5;}
.pp-new{fill:none;stroke:var(--gold);stroke-width:2.6;filter:drop-shadow(0 0 6px rgba(244,197,106,.7));}
.pp-gap{fill:url(#ppGap);}
.pp-end{fill:var(--gold);}
.pp-endlabel{fill:var(--gold);font-family:var(--mono);font-size:11px;}

/* ============ CREDIT SCORE ============ */
.credit-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:stretch;}
.gauge-card{padding:34px;display:flex;flex-direction:column;align-items:center;perspective:900px;}
.gauge-3d{width:100%;max-width:420px;transform:rotateX(18deg);transform-style:preserve-3d;transition:transform .6s var(--ease);}
.gauge-card:hover .gauge-3d{transform:rotateX(8deg);}
.gauge-3d svg{width:100%;height:auto;display:block;overflow:visible;filter:drop-shadow(0 20px 30px rgba(0,0,0,.6));}
.g-track{fill:none;stroke:rgba(160,185,255,.08);stroke-width:26;stroke-linecap:round;}
.g-seg{fill:none;stroke-width:22;}
.g-tick{fill:var(--dim);font-family:var(--mono);font-size:11px;}
#gNeedle{transition:transform .7s cubic-bezier(.34,1.56,.64,1);transform-origin:150px 160px;}
.score-read{text-align:center;margin-top:-18px;}
.score-read strong{display:block;font-size:64px;font-weight:600;letter-spacing:-3px;line-height:1;}
.score-read span{display:inline-block;margin-top:8px;font-size:13px;font-weight:600;padding:4px 12px;border-radius:999px;border:1px solid currentColor;}
.gauge-card .field{width:100%;max-width:420px;margin:26px 0 0;}
.credit-info{padding:34px;display:flex;flex-direction:column;}
.credit-info h3{font-size:24px;font-weight:600;letter-spacing:-.8px;margin-bottom:8px;}
.credit-info .desc{color:var(--muted);font-size:15px;margin-bottom:22px;}
.bands{display:flex;flex-direction:column;gap:6px;margin-bottom:22px;}
.band{display:grid;grid-template-columns:14px 92px 1fr;gap:12px;align-items:center;padding:10px 14px;border-radius:12px;font-size:13.5px;color:var(--muted);border:1px solid transparent;transition:all .3s var(--ease);}
.band i{width:10px;height:10px;border-radius:50%;}
.band b{font-family:var(--mono);font-weight:500;color:var(--text);font-size:12.5px;}
.band.on{background:rgba(140,170,255,.06);border-color:var(--border-2);color:var(--text);}
.rate-est{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:16px 18px;border-radius:16px;background:rgba(91,140,255,.08);border:1px solid rgba(91,140,255,.25);margin-top:auto;flex-wrap:wrap;}
.rate-est .k{font-size:12.5px;color:var(--muted);}
.rate-est .v{font-size:22px;font-weight:600;letter-spacing:-.6px;}
.fine{font-size:11.5px;color:var(--dim);margin-top:12px;}

/* ============ DOCUMENTS ============ */
.docs-card{padding:34px;}
.docs-bar{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:24px;}
.seg{display:flex;flex-wrap:wrap;gap:6px;}
.seg button{height:38px;padding:0 15px;border-radius:999px;border:1px solid var(--border-2);background:rgba(140,170,255,.03);color:var(--muted);font-size:13.5px;font-weight:500;cursor:pointer;transition:all .25s var(--ease);}
.seg button:hover{color:var(--text);}
.seg button.active{color:#fff;background:linear-gradient(180deg,#7ea4ff,var(--blue-2));border-color:transparent;box-shadow:0 6px 18px -6px rgba(91,140,255,.8);}
.seg.small button{height:34px;font-size:12.5px;}
.docs-progress{display:flex;align-items:center;gap:14px;margin-bottom:26px;font-size:13px;color:var(--muted);}
.docs-progress .track{flex:1;height:8px;border-radius:8px;background:rgba(160,185,255,.1);overflow:hidden;}
.docs-progress .track i{display:block;height:100%;width:0;border-radius:8px;background:linear-gradient(90deg,var(--blue),var(--green));box-shadow:0 0 12px rgba(74,222,155,.6);transition:width .5s var(--ease);}
.docs-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
.doc-group{padding:20px;border-radius:18px;background:rgba(140,170,255,.03);border:1px solid var(--border);}
.doc-group h5{font-family:var(--mono);font-size:11.5px;font-weight:500;letter-spacing:1.5px;text-transform:uppercase;color:var(--ice);margin-bottom:12px;}
.doc-item{display:flex;gap:12px;align-items:flex-start;padding:9px 0;font-size:14px;color:var(--muted);cursor:pointer;border-bottom:1px dashed var(--border);line-height:1.45;}
.doc-item:last-child{border-bottom:none;}
.doc-item input{appearance:none;-webkit-appearance:none;flex-shrink:0;width:19px;height:19px;margin-top:1px;border-radius:6px;border:1px solid var(--border-2);background:rgba(140,170,255,.04);cursor:pointer;display:grid;place-items:center;transition:all .2s;}
.doc-item input:checked{background:var(--green);border-color:var(--green);}
.doc-item input:checked::after{content:'';width:5px;height:9px;border:solid #04210f;border-width:0 2px 2px 0;transform:translateY(-1px) rotate(45deg);}
.doc-item input:checked + span{color:var(--text);text-decoration:line-through;text-decoration-color:rgba(74,222,155,.6);}
.docs-actions{display:flex;gap:10px;justify-content:flex-end;margin-top:24px;flex-wrap:wrap;}

/* ============ TESTIMONIALS ============ */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;perspective:1200px;}
.testi{padding:32px;display:flex;flex-direction:column;transform-style:preserve-3d;transition:transform .4s var(--ease),border-color .3s;}
.testi .stars{display:flex;gap:3px;color:var(--gold);margin-bottom:20px;}
.testi .stars svg{width:15px;height:15px;fill:currentColor;}
.testi blockquote{font-size:17px;line-height:1.55;letter-spacing:-.2px;margin-bottom:28px;flex:1;}
.who{display:flex;align-items:center;gap:12px;}
.avatar{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-weight:600;color:#fff;background:linear-gradient(140deg,#7ea4ff,var(--blue-2));box-shadow:0 0 0 3px rgba(91,140,255,.15);}
.who strong{display:block;font-size:14.5px;font-weight:600;}
.who span{font-size:13px;color:var(--dim);}

/* ============ ABOUT ============ */
.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:center;}
.portrait{aspect-ratio:4/5;position:relative;border-radius:30px;border:1px solid var(--border-2);overflow:hidden;background:radial-gradient(circle at 50% 40%,rgba(91,140,255,.12),transparent 65%),linear-gradient(180deg,rgba(140,170,255,.03),rgba(140,170,255,0));}
.portrait::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(160,185,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(160,185,255,.05) 1px,transparent 1px);background-size:32px 32px;-webkit-mask-image:radial-gradient(circle at 50% 45%,#000,transparent 70%);mask-image:radial-gradient(circle at 50% 45%,#000,transparent 70%);}
.portrait .corner{position:absolute;top:18px;left:20px;right:20px;display:flex;justify-content:space-between;font-family:var(--mono);font-size:11px;letter-spacing:1.5px;color:var(--dim);text-transform:uppercase;}
.portrait .caption{position:absolute;left:18px;right:18px;bottom:18px;padding:14px 18px;border-radius:16px;display:flex;justify-content:space-between;align-items:center;font-size:13px;}
.portrait .caption b{font-weight:600;}
.portrait .caption span{color:var(--green);display:flex;align-items:center;gap:6px;}
.portrait .caption span::before{content:'';width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 10px var(--green);}
.about h2{font-size:clamp(38px,4.6vw,60px);font-weight:600;letter-spacing:-2.2px;line-height:1.04;margin-bottom:22px;}
.about p{color:var(--muted);font-size:16.5px;margin-bottom:16px;}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:34px;}
.fact{padding:18px 20px;border-radius:18px;display:flex;gap:14px;align-items:flex-start;}
.fact .i{color:var(--ice);margin-top:2px;}
.fact strong{display:block;font-size:14.5px;font-weight:600;margin-bottom:2px;}
.fact span{font-size:13.5px;color:var(--muted);}

/* ============ FAQ ============ */
.faq-list{max-width:860px;display:flex;flex-direction:column;gap:10px;}
.faq-item{border-radius:18px;overflow:hidden;transition:border-color .3s;}
.faq-item[open]{border-color:var(--border-2);}
.faq-item summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 26px;font-size:17px;font-weight:500;letter-spacing:-.3px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary .plus{flex-shrink:0;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;border:1px solid var(--border-2);color:var(--ice);transition:transform .4s var(--ease),background .3s;}
.faq-item[open] summary .plus{transform:rotate(45deg);background:rgba(91,140,255,.15);}
.faq-item .ans{padding:0 26px 24px;color:var(--muted);font-size:15.5px;max-width:720px;animation:faqIn .5s var(--ease);}
.faq-item .ans a{color:var(--ice);text-decoration:underline;text-underline-offset:2px;}
@keyframes faqIn{from{opacity:0;transform:translateY(-6px);}}

/* ============ CONTACT ============ */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start;}
.contact h2{font-size:clamp(40px,5vw,68px);font-weight:600;letter-spacing:-2.6px;line-height:1.02;margin-bottom:22px;}
.contact .intro{color:var(--muted);font-size:17px;margin-bottom:36px;max-width:440px;}
.line{display:flex;gap:16px;align-items:center;padding:16px 0;border-top:1px solid var(--border);}
.line:last-child{border-bottom:1px solid var(--border);}
.line .ic{width:44px;height:44px;border-radius:14px;display:grid;place-items:center;background:rgba(91,140,255,.1);border:1px solid rgba(91,140,255,.25);color:var(--ice);flex-shrink:0;}
.line .ic.wa{background:rgba(37,211,102,.1);border-color:rgba(37,211,102,.3);color:var(--wa);}
.line strong{display:block;font-size:15px;font-weight:600;}
.line span{font-size:14px;color:var(--muted);}
.line a:hover span{color:var(--ice);}
.map{margin-top:26px;border-radius:20px;overflow:hidden;border:1px solid var(--border-2);height:240px;position:relative;background:var(--bg-2);}
.map iframe{width:100%;height:100%;border:0;filter:invert(.9) hue-rotate(185deg) saturate(.7) brightness(.9) contrast(.95);}
.map a{position:absolute;right:12px;bottom:12px;font-size:12.5px;font-weight:600;padding:8px 14px;border-radius:999px;background:rgba(8,12,24,.88);border:1px solid var(--border-2);}
.form{padding:38px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.fg{margin-bottom:16px;}
.fg label{display:block;font-size:13px;font-weight:500;color:var(--muted);margin-bottom:8px;}
.fg input,.fg select,.fg textarea{width:100%;padding:13px 15px;border-radius:14px;border:1px solid var(--border-2);background:rgba(140,170,255,.035);font-size:14.5px;transition:border-color .2s,box-shadow .2s,background .2s;}
.fg select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%238d97b5' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center;padding-right:38px;}
.fg select option{background:#0a0f1e;color:var(--text);}
.fg textarea{resize:vertical;min-height:110px;}
.fg input::placeholder,.fg textarea::placeholder{color:var(--dim);}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--blue);background:rgba(140,170,255,.06);box-shadow:0 0 0 4px rgba(91,140,255,.16);}
.form-msg{display:none;padding:12px 16px;border-radius:14px;font-size:14px;font-weight:500;margin-bottom:18px;}
.form-msg.success{display:block;background:rgba(74,222,155,.1);border:1px solid rgba(74,222,155,.3);color:var(--green);}
.form-msg.error{display:block;background:rgba(255,99,99,.1);border:1px solid rgba(255,99,99,.3);color:#ff8f8f;}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:13px;color:var(--muted);margin:4px 0 18px;cursor:pointer;line-height:1.5;}
.consent input{appearance:none;-webkit-appearance:none;flex-shrink:0;width:20px;height:20px;margin-top:1px;border-radius:6px;border:1px solid var(--border-2);background:rgba(140,170,255,.04);cursor:pointer;display:grid;place-items:center;transition:all .2s;}
.consent input:checked{background:var(--blue);border-color:var(--blue);box-shadow:0 0 12px rgba(91,140,255,.6);}
.consent input:checked::after{content:'';width:5px;height:10px;border:solid #fff;border-width:0 2px 2px 0;transform:translateY(-1px) rotate(45deg);}
.consent input:focus-visible{outline:2px solid var(--ice);outline-offset:2px;}
.consent a{color:var(--ice);text-decoration:underline;text-underline-offset:2px;}
.form-note{text-align:center;font-size:12.5px;color:var(--dim);margin-top:14px;}

/* ============ FOOTER ============ */
footer{padding:90px 0 30px;border-top:1px solid var(--border);position:relative;overflow:hidden;background:linear-gradient(180deg,rgba(4,6,13,.4),var(--bg) 40%);}
.foot-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;margin-bottom:60px;}
.foot-brand p{max-width:320px;margin-top:16px;font-size:14px;color:var(--muted);}
.foot-cols{display:flex;gap:70px;flex-wrap:wrap;}
.foot-col h5{font-family:var(--mono);font-size:11.5px;font-weight:500;letter-spacing:1.5px;text-transform:uppercase;color:var(--dim);margin-bottom:16px;}
.foot-col a{display:block;font-size:14.5px;color:var(--muted);margin-bottom:10px;transition:color .2s;}
.foot-col a:hover{color:var(--text);}
.giant{font-size:clamp(40px,10.6vw,150px);font-weight:700;letter-spacing:-.06em;line-height:.85;text-align:center;white-space:nowrap;background:linear-gradient(180deg,rgba(169,200,255,.16),rgba(169,200,255,0) 85%);-webkit-background-clip:text;background-clip:text;color:transparent;user-select:none;margin-bottom:30px;font-family:'Geist',sans-serif;}
.disclaimer{font-size:12px;line-height:1.6;color:var(--dim);max-width:900px;margin-bottom:22px;}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:13px;color:var(--dim);padding-top:24px;border-top:1px solid var(--border);}
.foot-bottom a{text-decoration:underline;text-underline-offset:2px;}

/* ============ FLOATING: WhatsApp ============ */
.fab-wa{position:fixed;right:20px;bottom:20px;z-index:40;width:48px;height:48px;border-radius:50%;display:grid;place-items:center;color:#fff;background:linear-gradient(180deg,#4be283,#1fb257);box-shadow:0 10px 26px -8px rgba(37,211,102,.8);opacity:0;transform:scale(.6) translateY(20px);pointer-events:none;transition:all .45s var(--ease);}
.fab-wa.show{opacity:1;transform:none;pointer-events:auto;}
.fab-wa .i{width:22px;height:22px;}

.msg{max-width:86%;padding:11px 14px;border-radius:18px;font-size:14px;line-height:1.55;word-wrap:break-word;animation:msgIn .35s var(--ease);}
@keyframes msgIn{from{opacity:0;transform:translateY(6px);}}
.msg.bot{align-self:flex-start;background:rgba(140,170,255,.07);border:1px solid var(--border);border-bottom-left-radius:6px;}
.msg.user{align-self:flex-end;background:linear-gradient(180deg,#6f97ff,var(--blue-2));color:#fff;border-bottom-right-radius:6px;}
.msg.err{border-color:rgba(255,99,99,.3);color:#ffb0b0;}
.msg ul{margin:6px 0 6px 18px;}
.msg p + p{margin-top:8px;}
.typing{display:inline-flex;gap:4px;padding:4px 0;}
.typing i{width:6px;height:6px;border-radius:50%;background:var(--ice);opacity:.4;animation:typ 1.2s infinite;}
.typing i:nth-child(2){animation-delay:.15s;}
.typing i:nth-child(3){animation-delay:.3s;}
@keyframes typ{30%{opacity:1;transform:translateY(-3px);}}

/* ============ Devanagari tuning ============ */
html[lang="hi"] h1,html[lang="mr"] h1,html[lang="hi"] h2,html[lang="mr"] h2,html[lang="hi"] h3,html[lang="mr"] h3,html[lang="hi"] h4,html[lang="mr"] h4{letter-spacing:-.5px;}
html[lang="hi"] .hero h1,html[lang="mr"] .hero h1{line-height:1.22;font-size:clamp(40px,6vw,80px);}
html[lang="hi"] .hero h1 .w,html[lang="mr"] .hero h1 .w{overflow:visible;padding-top:.12em;}
html[lang="hi"] .section-head h2,html[lang="mr"] .section-head h2,html[lang="hi"] .about h2,html[lang="mr"] .about h2,html[lang="hi"] .contact h2,html[lang="mr"] .contact h2{line-height:1.3;}
html[lang="hi"] .gold,html[lang="mr"] .gold{letter-spacing:0;}
html[lang="hi"] .eyebrow,html[lang="mr"] .eyebrow,html[lang="hi"] .stat > span,html[lang="mr"] .stat > span{letter-spacing:.5px;}

/* ============ RESPONSIVE ============ */
@media (max-width:1100px){ .nav-links a{padding:8px 9px;font-size:13.5px;} }
@media (max-width:1020px){
    .nav-links,.nav-cta{display:none;}
    .menu-btn{display:flex;}
    .hero-grid{grid-template-columns:1fr;}
    .hero{padding-top:120px;}
    .hero-visual{height:auto;min-height:440px;display:flex;flex-direction:column;justify-content:flex-end;gap:12px;align-items:flex-start;}
    .float-card{position:relative;inset:auto;}
    .chip-2,.coin-hint{display:none;}
    .emi-card{width:100%;max-width:360px;}
    .scroll-cue{display:none;}
    .a-side{position:relative;top:auto;right:auto;width:100%;height:280px;margin:-30px 0 0;}
    .bento{grid-template-columns:1fr 1fr;}
    .c-home{grid-column:span 2;grid-row:auto;}
    .c-vehicle,.c-edu,.c-business,.c-personal,.c-debt{grid-column:span 1;}
    .steps{grid-template-columns:1fr 1fr;}
    .beam-line{display:none;}
    .calc{grid-template-columns:1fr;}
    .calc-inputs{border-right:none;border-bottom:1px solid var(--border);}
    .prepay-grid,.credit-grid{grid-template-columns:1fr;}
    .docs-cols{grid-template-columns:1fr 1fr;}
    .testi-grid{grid-template-columns:1fr;}
    .about,.contact{grid-template-columns:1fr;gap:44px;}
    .portrait{max-width:420px;width:100%;}
}
@media (max-width:640px){
    .wrap{padding:0 16px;}
    header{top:10px;padding:0 10px;}
    nav{padding:8px 8px 8px 14px;gap:8px;}
    .logo{font-size:15px;}
    .logo-text{display:none;}
    .mobile-menu{top:68px;left:10px;right:10px;}
    .section{padding:90px 0;}
    .hero h1{letter-spacing:-2.4px;}
    .hero .lead{font-size:16.5px;}
    .stats{display:grid;grid-template-columns:repeat(3,auto);justify-content:start;}
    .stat{padding:0 16px;}
    .stat strong{font-size:26px;}
    .stat > span{display:block;font-size:10px;letter-spacing:.6px;line-height:1.45;margin-top:4px;}
    .bento{grid-template-columns:1fr;}
    .c-home,.c-vehicle,.c-edu,.c-business,.c-personal,.c-debt{grid-column:span 1;}
    .c-home{padding:26px 22px 20px;}
    .c-home h4{font-size:26px;}
    .best-badge strong{font-size:30px;}
    .steps{grid-template-columns:1fr;}
    .calc-inputs,.calc-results,.prepay,.gauge-card,.credit-info,.docs-card{padding:26px 20px;}
    .field-top{flex-wrap:wrap;}
    .num-input{width:130px;}
    .types{grid-template-columns:repeat(2,1fr);}
    .emi-main .rv{font-size:42px;}
    .calc-actions{grid-template-columns:1fr;}
    .docs-cols{grid-template-columns:1fr;}
    .band{grid-template-columns:14px 80px 1fr;}
    .faq-item summary{padding:18px 18px;font-size:15.5px;}
    .faq-item .ans{padding:0 18px 20px;}
    .form{padding:24px 18px;}
    .form-row{grid-template-columns:1fr;gap:0;}
    .facts{grid-template-columns:1fr;}
    .foot-cols{gap:40px;}
    .fab-wa{right:14px;bottom:14px;}
}
@media (prefers-reduced-motion: reduce){
    *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;}
    .reveal{opacity:1;transform:none;filter:none;}
    .hero h1 .w > span{transform:none;}
}

/* ============ PHONE BOTTOM BAR + touch polish ============ */
.mbar{display:none;}
@media (max-width:640px){
    .mbar{display:grid;grid-template-columns:1fr 1fr 1.25fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:55;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(6,9,18,.92);border-top:1px solid var(--border-2);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);}
    .mbar a{height:46px;border-radius:14px;display:flex;align-items:center;justify-content:center;gap:7px;font-size:14px;font-weight:600;}
    .mbar .i{width:18px;height:18px;}
    .mbar .m-call{background:var(--surface-2);border:1px solid var(--border-2);}
    .mbar .m-wa{color:#04210f;background:linear-gradient(180deg,#5cf091,var(--wa));}
    .mbar .m-quote{color:#fff;background:linear-gradient(180deg,#7ea4ff,var(--blue-2));}
    body{padding-bottom:calc(70px + env(safe-area-inset-bottom));}
    .fab-wa{display:none !important;}

    /* Brand visible; tidy header */
    .logo-text{display:inline;}
    .logo{font-size:15px;gap:8px;}
    .logo-mark{width:30px;height:30px;}
    .lang button{padding:8px 9px;min-width:34px;}

    /* Shorter page, calmer rhythm */
    .section{padding:72px 0;}
    .section-head{margin-bottom:40px;}
    .section-head h2{letter-spacing:-1.4px;}
    .a-side{height:230px;margin:-10px 0 10px;}

    /* Readable small print */
    .stat > span{font-size:11px;}
    .eyebrow{font-size:11.5px;}

    /* No iOS zoom-on-focus: inputs must be >= 16px */
    .fg input,.fg select,.fg textarea,.num-input{font-size:16px;}

    /* Bigger touch targets */
    .slider{height:8px;}
    .slider::-webkit-slider-thumb{width:28px;height:28px;}
    .slider::-moz-range-thumb{width:20px;height:20px;}
    .doc-item{padding:12px 0;}
    .doc-item input,.consent input{width:24px;height:24px;}
    .card .more{padding:8px 0;margin-top:10px;}
    .faq-item summary{min-height:56px;}
    .foot-col a{padding:4px 0;}
}
@media (max-width:370px){
    .logo-text{display:none;}
}
@media (hover:none){[data-i18n="svc.hover"]{display:none;}}

/* ============ PHONE / TABLET PERFORMANCE ============
   Live blur (backdrop-filter), the animated blurred aurora and the full-screen grain overlay
   are expensive on mobile GPUs and make scrolling stutter. Swap them for flat equivalents. */
@media (max-width:1020px), (hover:none) and (pointer:coarse){
    .grain,.cursor-glow{display:none !important;}
    .aurora i{animation:none;filter:none;will-change:auto;transform:scale(1.4);}
    .glass,.calc,.btn-ghost,.marquee,nav,header.scrolled nav,.mobile-menu,.mbar,.float-card,.portrait .caption{backdrop-filter:none !important;-webkit-backdrop-filter:none !important;}
    .glass{background:linear-gradient(180deg,rgba(18,24,44,.92),rgba(10,14,28,.92));}
    .calc{background:rgba(8,11,22,.97);}
    .btn-ghost{background:rgba(16,22,40,.9);}
    .marquee{background:rgba(4,6,13,.9);}
    nav{background:rgba(8,12,24,.9);}
    header.scrolled nav{background:rgba(8,12,24,.97);}
    .mbar{background:rgba(6,9,18,.98);}
    .reveal{filter:none;transform:translateY(16px);transition:opacity .6s var(--ease),transform .6s var(--ease);}
    .spot::before,.spot::after{display:none;}
    .marquee-track{animation-duration:45s;}
    /* The animated sheen repaints every gold word each frame; keep the gradient, drop the motion */
    .gold{animation:none;}
}