/* =============================================
   MUDRA FINANCE — REDESIGNED STYLE.CSS
   Theme: Premium Navy × Gold
   Fonts: Nunito Sans (display/headings) + Inter (body)
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Nunito+Sans:ital,opsz,wght@0,6..12,300;0,6..12,400;0,6..12,600;0,6..12,700;0,6..12,800;0,6..12,900;1,6..12,400&family=Inter:wght@300;400;500;600;700&display=swap');

/* ── TOKENS ── */
:root {
    /* Brand Palette */
    --navy:          #0B1829;
    --navy-800:      #112236;
    --navy-700:      #17304A;
    --navy-600:      #1E3F60;
    --navy-500:      #2B5580;
    --gold:          #E8A020;
    --gold-light:    #F5C050;
    --gold-dark:     #C4861A;
    --gold-ultra:    rgba(232,160,32,0.10);
    --ivory:         #FDF8F0;
    --ivory-dark:    #F5EDD8;
    --white:         #FFFFFF;
    --ink:           #0B1829;
    --ink-700:       #1C2E42;
    --ink-500:       #3D5470;
    --ink-400:       #5C7A96;
    --ink-300:       #93B0C8;
    --ink-200:       #C8DAE8;
    --ink-100:       #EEF4F9;

    /* Semantic */
    --primary:        var(--navy);
    --accent:         var(--gold);
    --bg-main:        var(--ivory);
    --bg-alt:         var(--white);
    --bg-dark:        var(--navy);
    --text-main:      var(--ink);
    --text-muted:     var(--ink-400);

    /* Gradients */
    --grad-navy:      linear-gradient(135deg, #0B1829 0%, #1E3F60 100%);
    --grad-gold:      linear-gradient(135deg, #E8A020 0%, #F5C050 100%);
    --grad-mixed:     linear-gradient(135deg, #0B1829 0%, #1E3F60 60%, #2B5580 100%);
    --grad-card:      linear-gradient(145deg, #ffffff 0%, #f5f9fd 100%);
    --grad-hero:      linear-gradient(135deg, #0B1829 0%, #112236 50%, #1E3F60 100%);

    /* Shadows */
    --shadow-xs:     0 1px 3px rgba(11,24,41,0.06);
    --shadow-sm:     0 2px 10px rgba(11,24,41,0.08);
    --shadow-md:     0 6px 24px rgba(11,24,41,0.10);
    --shadow-lg:     0 12px 48px rgba(11,24,41,0.14);
    --shadow-xl:     0 24px 72px rgba(11,24,41,0.18);
    --shadow-gold:   0 8px 32px rgba(232,160,32,0.25);
    --shadow-navy:   0 8px 32px rgba(11,24,41,0.30);

    /* Radii */
    --r-sm:   6px;
    --r-md:   12px;
    --r-lg:   18px;
    --r-xl:   24px;
    --r-2xl:  36px;
    --r-full: 9999px;

    /* Typography */
    --font-display: 'Nunito Sans', 'Inter', system-ui, sans-serif;
    --font-body:    'Inter', system-ui, -apple-system, sans-serif;

    /* Transitions */
    --t-fast: 0.18s ease;
    --t-base: 0.26s ease;
    --t-slow: 0.38s ease;

    /* Section rhythm */
    --section-py: 88px;
--gradient-primary: linear-gradient(
    135deg,
    #FF6B35 0%,
    #FF8C42 25%,
    #E8A020 65%,
    #FFD166 100%
);

--shadow-primary:
    0 6px 15px rgba(255,107,53,0.28),
    0 3px 9px rgba(232,160,32,0.30);
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 400;
    line-height: 1.72;
    color: var(--text-main);
    background-color: var(--bg-main);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; transition: color var(--t-fast); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; padding: 0; margin: 0; }

/* ── UTILITIES ── */
.text-gradient {
    background: linear-gradient(110deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold-dark) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.section-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 14px;
    background: var(--gold-ultra);
    color: var(--gold-dark);
    font-family: var(--font-display);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    border-radius: var(--r-full);
    border: 1px solid rgba(232,160,32,0.30);
    margin-bottom: 14px;
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.18;
    margin-bottom: 14px;
    letter-spacing: -0.03em;
}

.section-subtitle {
    font-size: 1.05rem;
    color: var(--ink-400);
    line-height: 1.75;
    max-width: 580px;
    margin-bottom: 0;
}

.section-header {
    margin-bottom: 56px;
}
.section-header .section-subtitle {
    margin-left: auto;
    margin-right: auto;
}

/* Gold accent bar before section tags */
.section-tag::before {
    content: '';
    display: inline-block;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--gold);
}

/* ── BUTTONS ── */
.btn-hero {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 28px;
    border-radius: var(--r-full);
    font-family: var(--font-display);
    font-size: 0.92rem;
    font-weight: 700;
    cursor: pointer;
    transition: all var(--t-fast);
    border: none;
    outline: none;
    text-decoration: none;
    background: var(--grad-gold);
    color: var(--navy);
    box-shadow: var(--shadow-gold);
    letter-spacing: 0.01em;
}
.btn-hero:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 36px rgba(232,160,32,0.40);
    color: var(--navy);
}

.btn-hero-outline {
    background: transparent;
    color: white;
    border: 2px solid rgba(255,255,255,0.4);
    box-shadow: none;
}
.btn-hero-outline:hover {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--navy);
    box-shadow: var(--shadow-gold);
}

/* ── DIAGONAL SIGNATURE ── */
/* A single gold diagonal strip that appears between sections for brand continuity */
.diag-strip {
    height: 5px;
    background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 35%, var(--gold-light) 65%, var(--navy) 100%);
    position: relative;
    overflow: hidden;
}
.diag-strip::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent 0%, rgba(255,255,255,0.35) 50%, transparent 100%);
    animation: shimmer 2.4s infinite;
}
@keyframes shimmer {
    0%   { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
}



/* ── HERO SLIDER ── */
.hero-slider-section {
    width: 100%;
    overflow: hidden;
}

.heroSwiper {
    width: 100%;
    /* height: auto; */
    margin: 0;
}
.heroSwiper .swiper-slide {
    width: 100%;
}
.heroSwiper .swiper-slide img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: contain;
}
.heroSwiper .swiper-button-next,
.heroSwiper .swiper-button-prev {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: rgba(11,24,41,0.6);
    border: 2px solid rgba(232,160,32,0.40);
    color: var(--gold-light);
    backdrop-filter: blur(8px);
    transition: all var(--t-fast);
}
.heroSwiper .swiper-button-next:hover,
.heroSwiper .swiper-button-prev:hover {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--navy);
}
.heroSwiper .swiper-button-next::after,
.heroSwiper .swiper-button-prev::after { font-size: 14px; font-weight: 900; }
.heroSwiper .swiper-pagination { bottom: 14px !important; }
.heroSwiper .swiper-pagination-bullet {
    width: 8px; height: 8px;
    background: rgba(255,255,255,0.50);
    opacity: 1;
}
.heroSwiper .swiper-pagination-bullet-active {
    background: var(--gold);
    width: 24px;
    border-radius: 4px;
    transition: width 0.3s ease;
}

@media(max-width:992px) {
    .heroSwiper .swiper-button-next,
    .heroSwiper .swiper-button-prev { width: 38px; height: 38px; }
}
@media(max-width:768px) {
    .heroSwiper .swiper-button-next,
    .heroSwiper .swiper-button-prev { display: none; }
}
@media(max-width:576px) {
    .heroSwiper .swiper-slide { aspect-ratio: 16/6; }
    .heroSwiper .swiper-slide img { width: 100%; height: 100%; object-fit: cover; }
}

/* ── FULL WIDTH IMAGE ── */
.fullwidth-image-section {
    position: relative;
    width: 100%;
    overflow: hidden;
}
.fullwidth-img-wrapper {
    position: relative;
    width: 100%;
    max-height: 560px;
    overflow: hidden;
}
.fullwidth-img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: cover;
    object-position: center;
    transition: transform 0.7s ease;
}
.fullwidth-img-wrapper:hover .fullwidth-img { transform: scale(1.02); }
.fullwidth-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(11,24,41,0.72) 0%, rgba(11,24,41,0) 65%);
    pointer-events: none;
    z-index: 1;
}
.fullwidth-content {
    position: absolute;
    top: 50%;
    left: 0;
    transform: translateY(-50%);
    z-index: 2;
    width: 100%;
    color: #fff;
    text-align: left;
}
.fullwidth-content h2 {
    font-family: var(--font-display);
    font-size: clamp(2rem, 5vw, 3.6rem);
    font-weight: 800;
    margin-bottom: 0.5rem;
    text-shadow: 0 2px 12px rgba(0,0,0,0.45);
    color: white;
}
.fullwidth-content h2 em {
    font-style: normal;
    background: var(--grad-gold);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}
.fullwidth-content p {
    font-size: clamp(1rem, 2vw, 1.25rem);
    opacity: 0.90;
    text-shadow: 0 1px 6px rgba(0,0,0,0.35);
}
@media(max-width:768px) {
    .fullwidth-img-wrapper { max-height: 380px; }
    .fullwidth-content { text-align: center; padding: 0 1.25rem; }
    .fullwidth-overlay { background: rgba(11,24,41,0.55); }
}

/* ── CATEGORIES ── */
.categories-section {
    padding: var(--section-py) 0;
    background: var(--ivory);
    position: relative;
}

.category-card {
    background: white;
    border-radius: var(--r-xl);
    padding: 32px 26px;
    height: 100%;
    display: flex;
    flex-direction: column;
    gap: 14px;
    border: 2px solid var(--ink-200);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-slow);
    position: relative;
    overflow: hidden;
}
.category-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: var(--grad-gold);
    opacity: 0;
    transition: opacity var(--t-base);
}
.category-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}
.category-card:hover::before { opacity: 1; }

.category-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--r-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: white;
}

.category-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 18px;
    border-radius: var(--r-full);
    font-family: var(--font-display);
    font-size: 0.82rem;
    font-weight: 700;
    text-decoration: none;
    margin-top: auto;
    transition: all 0.22s;
    letter-spacing: 0.01em;
}
.category-btn:hover { transform: translateY(-1px); filter: brightness(1.08); }

/* ── ELIGIBILITY ── */
.eligibility-section {
    padding: var(--section-py) 0;
    background: white;
}

.eligibility-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 18px 20px;
    background: var(--ivory);
    border-radius: var(--r-lg);
    border: 1.5px solid var(--ink-200);
    margin-bottom: 16px;
    transition: all var(--t-fast);
}
.eligibility-item:hover {
    border-color: var(--gold);
    box-shadow: 0 4px 20px rgba(232,160,32,0.12);
    background: #fffdf5;
}

.eligibility-card-glass {
    border: 2px solid var(--ink-200) !important;
    background: white !important;
    position: relative;
    overflow: hidden;
}
.eligibility-card-glass::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-gold);
}

/* ── DOCUMENTS ── */
.documents-section {
    padding: var(--section-py) 0;
    background: var(--ivory);
}

.doc-card {
    background: white;
    border-radius: var(--r-xl);
    padding: 36px 24px;
    text-align: center;
    border: 1.5px solid var(--ink-200);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-slow);
    height: 100%;
    position: relative;
    overflow: hidden;
}
.doc-card::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 3px;
    background: var(--grad-gold);
    transform: scaleX(0);
    transition: transform var(--t-base);
}
.doc-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}
.doc-card:hover::after { transform: scaleX(1); }

/* ── HOW IT WORKS ── */
.how-it-works-section {
    padding: var(--section-py) 0;
    background: var(--navy);
    position: relative;
}
.how-it-works-section .section-tag {
    background: rgba(232,160,32,0.15);
    color: var(--gold-light);
    border-color: rgba(232,160,32,0.30);
}
.how-it-works-section .section-title {
    color: white;
}

.steps-timeline {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    margin-top: 48px;
    position: relative;
}
.steps-timeline::before {
    content: '';
    position: absolute;
    top: 30px;
    left: calc(12.5% + 8px);
    right: calc(12.5% + 8px);
    height: 2px;
    background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
    z-index: 0;
}
.step-item {
    text-align: center;
    position: relative;
    z-index: 1;
    padding: 0 16px;
}
.step-number {
    width: 60px;
    height: 60px;
    background: var(--grad-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-weight: 900;
    color: var(--navy);
    margin: 0 auto 24px;
    font-size: 1.1rem;
    box-shadow: var(--shadow-gold);
    position: relative;
}
.step-item h4 {
    font-family: var(--font-display);
    font-weight: 700;
    color: white;
    margin-bottom: 6px;
}
.step-item p {
    color: rgba(255,255,255,0.55);
    font-size: 0.88rem;
}

/* ── WHY CHOOSE ── */
.why-choose-section {
    padding: var(--section-py) 0;
    background: white;
}

.why-features-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-top: 28px;
}

.why-feature {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 20px;
    background: var(--ivory);
    border-radius: var(--r-lg);
    border: 1.5px solid var(--ink-200);
    transition: all var(--t-fast);
}
.why-feature:hover {
    border-color: var(--gold);
    box-shadow: 0 4px 20px rgba(232,160,32,0.12);
    background: #fffdf5;
}
.why-feature i { color: var(--gold) !important; }

.why-graph-card {
    display: flex;
    align-items: flex-end;
    justify-content: space-around;
    gap: 12px;
    height: 240px;
    padding: 20px 20px 0;
    background: var(--navy);
    border-radius: var(--r-xl);
    border: 1.5px solid rgba(232,160,32,0.20);
    overflow: hidden;
}
.why-graph-bar {
    width: 64px;
    background: var(--grad-gold);
    border-radius: 10px 10px 0 0;
    text-align: center;
    color: var(--navy);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 0.9rem;
    transition: height 0.8s ease;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding-bottom: 16px;
}
.why-graph-bar:nth-child(2) { background: linear-gradient(135deg, #F5C050 0%, #E8A020 100%); }
.why-graph-bar:nth-child(3) { background: linear-gradient(135deg, #E8A020 0%, #C4861A 100%); }
.why-graph-bar:nth-child(4) { background: linear-gradient(135deg, #FFD070 0%, #E8A020 100%); }

/* ── BENEFITS ── */
.benefits-section {
    padding: var(--section-py) 0;
    background: var(--ivory);
}

.benefit-card {
    background: white;
    border-radius: var(--r-xl);
    padding: 32px 26px;
    height: 100%;
    border: 1.5px solid var(--ink-200);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-slow);
    text-align: center;
}
.benefit-card i { color: var(--gold) !important; }
.benefit-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}

/* ── PARTNERS ── */
.partners-section {
    padding: var(--section-py) 0;
    background: white;
}

.partner-logos {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.partner-logo-item {
    background: var(--ivory);
    border-radius: var(--r-lg);
    border: 1.5px solid var(--ink-200);
    padding: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--navy);
    gap: 8px;
    transition: all var(--t-fast);
}
.partner-logo-item i { color: var(--gold) !important; }
.partner-logo-item:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold);
    background: #fffdf5;
}

/* ── CALCULATOR ── */
.calculator-section {
    padding: var(--section-py) 0;
    background: var(--navy);
}
.calculator-section .section-tag {
    background: rgba(232,160,32,0.15);
    color: var(--gold-light);
    border-color: rgba(232,160,32,0.30);
}
.calculator-section .section-title { color: white; }

.calculator-form {
    background: rgba(255,255,255,0.06);
    border-radius: var(--r-xl);
    padding: 32px;
    border: 1px solid rgba(255,255,255,0.10);
}
.calculator-form label {
    color: rgba(255,255,255,0.75);
    font-size: 0.9rem;
    margin-bottom: 10px;
    display: block;
}
.calculator-form label strong { color: var(--gold); }

.form-range::-webkit-slider-thumb { background: var(--gold); }
.form-range::-moz-range-thumb { background: var(--gold); border: none; }
.form-range::-webkit-slider-runnable-track { background: rgba(255,255,255,0.15); border-radius: 4px; }

.calculator-result-card {
    background: white;
    border-radius: var(--r-xl);
    border: 2px solid var(--gold);
    box-shadow: var(--shadow-gold);
    overflow: hidden;
}
.calc-result-header {
    background: var(--grad-gold);
    color: var(--navy);
    padding: 18px 28px;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1rem;
}
.calc-row {
    display: flex;
    justify-content: space-between;
    padding: 18px 28px;
    border-bottom: 1px solid var(--ink-100);
    color: var(--ink-500);
    font-size: 0.95rem;
}
.calc-row strong {
    font-family: var(--font-display);
    font-weight: 800;
    color: var(--navy);
    font-size: 1.05rem;
}
.calc-row:last-child { border-bottom: none; }

/* ── STATS ── */
.stats-section {
    background: var(--ivory-dark);
    padding: 72px 0;
    position: relative;
    overflow: hidden;
}
.stats-section::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-gold);
}

.stat-card {
    text-align: center;
    padding: 32px 20px;
    background: white;
    border-radius: var(--r-xl);
    border: 1.5px solid var(--ink-200);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-fast);
    position: relative;
    overflow: hidden;
}
.stat-card::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 3px;
    background: var(--grad-gold);
}
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.stat-number {
    font-family: var(--font-display);
    font-size: 2.8rem;
    font-weight: 900;
    display: inline;
    background: var(--grad-navy);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}
.stat-card span:not(.stat-number) {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--gold);
}
.stat-card p {
    color: var(--ink-400);
    margin-top: 6px;
    font-size: 0.88rem;
}

/* ── SUCCESS STORIES ── */
.success-stories-section {
    padding: var(--section-py) 0;
    background: white;
}

.success-card {
    background: var(--ivory);
    border-radius: var(--r-xl);
    padding: 36px 28px;
    text-align: center;
    border: 1.5px solid var(--ink-200);
    box-shadow: var(--shadow-sm);
    transition: all var(--t-slow);
    position: relative;
    overflow: hidden;
}
.success-card::before {
    content: '"';
    position: absolute;
    top: -10px;
    left: 20px;
    font-family: var(--font-display);
    font-size: 7rem;
    color: var(--gold);
    opacity: 0.12;
    line-height: 1;
}
.success-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}
.success-card h5 { font-family: var(--font-display); font-weight: 700; }
.success-card i { color: var(--gold) !important; }

.successSwiper .swiper-button-next,
.successSwiper .swiper-button-prev {
    color: var(--navy);
    background: var(--gold-ultra);
    border-radius: 50%;
    width: 40px;
    height: 40px;
    border: 1px solid rgba(232,160,32,0.30);
}
.successSwiper .swiper-pagination-bullet { background: var(--ink-300); }
.successSwiper .swiper-pagination-bullet-active { background: var(--gold); }

/* ── FAQ ── */
.faq-section {
    padding: var(--section-py) 0;
    background: var(--ivory);
}

.custom-accordion .accordion-item {
    border: 1.5px solid var(--ink-200);
    border-radius: var(--r-lg) !important;
    margin-bottom: 12px;
    overflow: hidden;
}
.custom-accordion .accordion-button {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.92rem;
    color: var(--navy);
    background: white;
    box-shadow: none;
    padding: 20px 24px;
}
.custom-accordion .accordion-button:not(.collapsed) {
    background: var(--gold-ultra);
    color: var(--gold-dark);
    box-shadow: none;
}
.custom-accordion .accordion-button::after {
    filter: none;
}
.custom-accordion .accordion-button:not(.collapsed)::after {
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23C4861A'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e");
}
.custom-accordion .accordion-body {
    padding: 0 24px 20px;
    color: var(--ink-400);
    line-height: 1.75;
    font-size: 0.92rem;
}

/* ── APPLY ── */
.apply-section {
    padding: var(--section-py) 0;
    background: white;
}

.apply-form-card {
    background: var(--ivory);
    border-radius: var(--r-2xl);
    padding: 48px 40px;
    border: 1.5px solid var(--ink-200);
    box-shadow: var(--shadow-xl);
    position: relative;
    overflow: hidden;
}
.apply-form-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-gold);
}

.custom-input {
    width: 100%;
    padding: 13px 18px;
    background: white;
    border: 1.5px solid var(--ink-200);
    border-radius: var(--r-md);
    font-family: var(--font-body);
    font-size: 0.92rem;
    color: var(--navy);
    transition: border 0.2s, box-shadow 0.2s;
}
.custom-input::placeholder { color: var(--ink-300); }
.custom-input:focus {
    border-color: var(--gold);
    outline: none;
    box-shadow: 0 0 0 3px rgba(232,160,32,0.15);
}

/* ── CTA BANNER ── */
.cta-section { padding: 0 0 80px; }
.cta-banner {
    background: var(--grad-navy);
    border-radius: var(--r-2xl);
    padding: 64px 48px;
    text-align: center;
    color: white;
    margin: 0;
    position: relative;
    overflow: hidden;
}
.cta-banner::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-gold);
}
.cta-banner::after {
    content: '';
    position: absolute;
    bottom: -60px; right: -60px;
    width: 220px; height: 220px;
    border-radius: 50%;
    background: rgba(232,160,32,0.08);
}
.cta-banner h3 {
    font-family: var(--font-display);
    font-weight: 900;
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    color: white;
    margin-bottom: 12px;
}
.cta-banner p { color: rgba(255,255,255,0.70); }

/* ── CONTACT ── */
.contact-section {
    padding: var(--section-py) 0;
    background: var(--ivory);
}
.contact-section p i { color: var(--gold) !important; }

.contact-form-card {
    background: white;
    border-radius: var(--r-2xl);
    padding: 40px 36px;
    border: 1.5px solid var(--ink-200);
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
}
.contact-form-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-gold);
}

/* ── FOOTER ── */
.footer {
    background: var(--navy);
    color: rgba(255,255,255,0.65);
    padding: 72px 0 0;
    border-top: 4px solid var(--gold);
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 40px;
    margin-bottom: 64px;
}

.footer-logo {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    background: var(--grad-gold);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 12px;
}

.footer-links h6 {
    font-family: var(--font-display);
    color: var(--gold-light);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    margin-bottom: 16px;
}
.footer-links a {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.50);
    font-size: 0.88rem;
    margin-bottom: 10px;
    transition: color var(--t-fast);
}
.footer-links a:hover { color: var(--gold-light); }

.social-links a {
    width: 38px;
    height: 38px;
    background: rgba(255,255,255,0.07);
    border-radius: var(--r-md);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.55);
    margin-right: 8px;
    border: 1px solid rgba(255,255,255,0.10);
    transition: all 0.2s;
}
.social-links a:hover {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
    transform: translateY(-2px);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.07);
    padding: 22px 0;
    font-size: 0.80rem;
    color: rgba(255,255,255,0.35);
    text-align: center;
}

/* ── TEXT COLOUR OVERRIDES for colored sections ── */
.how-it-works-section .section-subtitle,
.calculator-section .section-subtitle { color: rgba(255,255,255,0.55); }

/* Eligibility check list gold */
.eligibility-card-glass .fas.fa-check { color: var(--gold) !important; }

/* Primary icon color to gold on white backgrounds */
.eligibility-item .text-primary,
.doc-card .text-primary,
.why-feature .text-primary,
.contact-section .text-primary,
.apply-section .text-primary { color: var(--gold) !important; }

/* Success icons */
.text-success { color: #2ea86b !important; }

/* ── RESPONSIVE ── */
@media (max-width: 1200px) {
    :root { --section-py: 72px; }
}
@media (max-width: 992px) {
    .hdr-nav-wrap, .hdr-ctas { display: none; }
    .hdr-menu-toggle { display: flex; }
    .hdr-mobile-nav { display: flex; }
    .steps-timeline { grid-template-columns: 1fr 1fr; gap: 32px; }
    .steps-timeline::before { display: none; }
    .partner-logos { grid-template-columns: repeat(2,1fr); }
    .footer-content { grid-template-columns: 1fr 1fr; }
    .why-features-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
    :root { --section-py: 60px; }
    .steps-timeline { grid-template-columns: 1fr; }
    .section-title { font-size: 1.75rem; }
    .footer-content { grid-template-columns: 1fr; }
    .apply-form-card { padding: 28px 20px; }
    .partner-logos { grid-template-columns: 1fr 1fr; }
    .cta-banner { padding: 44px 24px; }
}
@media (max-width: 576px) {
    :root { font-size: 15px; --section-py: 52px; }
    .why-graph-card { height: 160px; }
    .why-graph-bar { width: 48px; }
}