/* ══════════════════════════════════════════════════
   ROOT VARIABLES
══════════════════════════════════════════════════ */
:root{
  --navy:#05101f;
  --blue:#0b2a6b;
  --mid-blue:#1a4db5;
  --sky:#2563eb;
  --gold:#e8971a;
  --gold-light:#fbbf24;
  --green:#059669;
  --white:#ffffff;
  --off-white:#f8faff;
  --gray:#64748b;
  --light-gray:#f1f5f9;
  --border:#dde5f0;
  --text:#0f1b2d;
  --shadow:0 4px 30px rgba(5,16,31,.12);
  --shadow-lg:0 20px 60px rgba(5,16,31,.18);
  --radius:14px;
  --radius-lg:22px;
  --transition:.3s cubic-bezier(.4,0,.2,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;font-size:16px;}
body{
  font-family:'DM Sans',sans-serif;
  background:var(--white);
  color:var(--text);
  overflow-x:hidden;
  line-height:1.6;
}
img{max-width:100%;display:block;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
.container{max-width:1200px;margin:0 auto;padding:0 24px;}
.section-padding{padding:90px 0;}

/* ══════════════════════════════════════════════════
   TOP BAR
══════════════════════════════════════════════════ */
.topbar{
  background:var(--navy);
  padding:9px 0;
  border-bottom:2px solid var(--gold);
}
.topbar .container{
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:8px;
}
.topbar-left{
  display:flex;gap:22px;align-items:center;
}
.topbar-item{
  display:flex;align-items:center;gap:7px;
  font-size:13px;color:rgba(255,255,255,.8);
  transition:color var(--transition);
}
.topbar-item:hover{color:var(--gold);}
.topbar-item i{color:var(--gold);font-size:12px;}
.topbar-right{
  display:flex;gap:10px;align-items:center;
}
.topbar-btn{
  padding:5px 16px;border-radius:20px;font-size:12px;font-weight:600;
  cursor:pointer;transition:all var(--transition);border:none;
}
.topbar-btn.wa{background:var(--green);color:#fff;}
.topbar-btn.wa:hover{background:#047857;transform:translateY(-1px);}
.topbar-btn.call{background:var(--gold);color:var(--navy);}
.topbar-btn.call:hover{background:var(--gold-light);transform:translateY(-1px);}

/* ══════════════════════════════════════════════════
   HEADER / NAV
══════════════════════════════════════════════════ */
.header{
  position:sticky;top:0;z-index:1000;
  background:rgba(255,255,255,.95);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  box-shadow:0 2px 20px rgba(5,16,31,.09);
  transition:all var(--transition);
}
.header.scrolled{
  background:rgba(255,255,255,.98);
  box-shadow:0 4px 30px rgba(5,16,31,.15);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 0;
}
.logo{
  display:flex;align-items:center;gap:12px;
}
.logo-icon{
  width:44px;height:44px;
  background:linear-gradient(135deg,var(--blue),var(--sky));
  border-radius:10px;display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 14px rgba(37,99,235,.35);
  position:relative;overflow:hidden;
}
.logo-icon::after{
  content:'';position:absolute;top:-50%;right:-50%;
  width:100%;height:100%;
  background:rgba(255,255,255,.15);
  transform:rotate(45deg);
}
.logo-icon i{color:#fff;font-size:20px;z-index:1;}
.logo-text{
  display:flex;flex-direction:column;line-height:1;
}
.logo-main{
  font-family:'Playfair Display',serif;
  font-size:22px;font-weight:700;
  background:linear-gradient(135deg,var(--navy),var(--sky));
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;
}
.logo-sub{
  font-size:10px;letter-spacing:2px;color:var(--gold);
  text-transform:uppercase;font-weight:600;margin-top:2px;
}
.nav-menu{
  display:flex;align-items:center;gap:4px;
}
.nav-item{
  position:relative;
}
.nav-link{
  padding:10px 16px;font-size:14.5px;font-weight:500;
  color:var(--text);border-radius:8px;
  transition:all var(--transition);display:flex;align-items:center;gap:5px;
  white-space:nowrap;
}
.nav-link:hover,.nav-link.active{
  color:var(--sky);background:rgba(37,99,235,.07);
}
.nav-link .arrow{font-size:10px;transition:transform var(--transition);}
.nav-item:hover .arrow{transform:rotate(180deg);}

/* Dropdown */
.dropdown{
  position:absolute;top:calc(100% + 8px);left:0;
  background:#fff;border-radius:var(--radius);
  box-shadow:var(--shadow-lg);
  min-width:220px;opacity:0;visibility:hidden;
  transform:translateY(-8px);
  transition:all var(--transition);
  border:1px solid var(--border);
  overflow:hidden;z-index:200;
}
.nav-item:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.dropdown-item{
  display:flex;align-items:center;gap:10px;
  padding:12px 18px;font-size:14px;color:var(--text);
  transition:all var(--transition);border-bottom:1px solid var(--border);
}
.dropdown-item:last-child{border-bottom:none;}
.dropdown-item:hover{background:var(--off-white);color:var(--sky);padding-left:24px;}
.dropdown-item i{
  width:30px;height:30px;background:var(--off-white);
  border-radius:8px;display:flex;align-items:center;justify-content:center;
  font-size:13px;color:var(--sky);flex-shrink:0;
  transition:all var(--transition);
}
.dropdown-item:hover i{background:var(--sky);color:#fff;}

.nav-cta{
  background:linear-gradient(135deg,var(--sky),var(--mid-blue));
  color:#fff!important;padding:11px 22px!important;
  border-radius:10px!important;font-weight:600!important;
  box-shadow:0 4px 16px rgba(37,99,235,.35);
  transition:all var(--transition)!important;
}
.nav-cta:hover{
  transform:translateY(-2px);
  box-shadow:0 8px 24px rgba(37,99,235,.45)!important;
  background:linear-gradient(135deg,var(--mid-blue),var(--blue))!important;
}

/* Hamburger */
.hamburger{
  display:none;flex-direction:column;gap:5px;cursor:pointer;
  padding:6px;border-radius:8px;transition:background var(--transition);
}
.hamburger:hover{background:var(--light-gray);}
.ham-line{
  width:24px;height:2px;background:var(--text);
  border-radius:2px;transition:all var(--transition);
}
.hamburger.open .ham-line:nth-child(1){transform:rotate(45deg) translate(5px,5px);}
.hamburger.open .ham-line:nth-child(2){opacity:0;}
.hamburger.open .ham-line:nth-child(3){transform:rotate(-45deg) translate(5px,-5px);}

.mobile-menu{
  display:none;background:#fff;
  border-top:1px solid var(--border);
  padding:16px 24px 24px;
}
.mobile-menu.open{display:block;}
.mobile-nav-link{
  display:block;padding:12px 8px;
  font-size:15px;font-weight:500;color:var(--text);
  border-bottom:1px solid var(--border);
  transition:color var(--transition);
}
.mobile-nav-link:hover{color:var(--sky);}

/* ══════════════════════════════════════════════════
   HERO
══════════════════════════════════════════════════ */
.hero{
  position:relative;min-height:92vh;
  display:flex;align-items:center;
  background:var(--navy);overflow:hidden;
}
/* Animated mesh background */
.hero-bg{
  position:absolute;inset:0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 50%, rgba(37,99,235,.25) 0%, transparent 70%),
    radial-gradient(ellipse 50% 80% at 20% 80%, rgba(232,151,26,.12) 0%, transparent 60%),
    radial-gradient(ellipse 60% 40% at 80% 10%, rgba(11,42,107,.8) 0%, transparent 60%),
    linear-gradient(135deg, #05101f 0%, #0b1e3d 50%, #07172e 100%);
  z-index:0;
}
.hero-grid{
  position:absolute;inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);
  background-size:60px 60px;
  z-index:0;
}
.hero-orb{
  position:absolute;border-radius:50%;filter:blur(80px);z-index:0;
  animation:float 8s ease-in-out infinite;
}
.orb1{width:500px;height:500px;background:rgba(37,99,235,.18);top:-100px;right:-100px;animation-delay:0s;}
.orb2{width:300px;height:300px;background:rgba(232,151,26,.1);bottom:50px;left:10%;animation-delay:3s;}
.orb3{width:200px;height:200px;background:rgba(5,150,105,.08);top:30%;right:20%;animation-delay:5s;}
@keyframes float{
  0%,100%{transform:translateY(0) scale(1);}
  50%{transform:translateY(-30px) scale(1.05);}
}
.hero .container{
  position:relative;z-index:1;
  display:grid;grid-template-columns:1fr 1fr;
  align-items:center;gap:60px;
  padding-top:40px;padding-bottom:40px;
}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(232,151,26,.15);border:1px solid rgba(232,151,26,.3);
  color:var(--gold-light);padding:7px 16px;border-radius:30px;
  font-size:13px;font-weight:600;margin-bottom:20px;
  letter-spacing:.5px;
}
.hero-badge span{
  width:7px;height:7px;border-radius:50%;background:var(--gold);
  display:inline-block;animation:pulse 2s infinite;
}
@keyframes pulse{
  0%,100%{opacity:1;transform:scale(1);}
  50%{opacity:.5;transform:scale(1.4);}
}
.hero-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(36px,5vw,62px);
  font-weight:900;color:#fff;line-height:1.1;margin-bottom:22px;
}
.hero-title .highlight{
  background:linear-gradient(135deg,var(--gold),var(--gold-light));
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;
}
.hero-title .stroke-text{
  -webkit-text-stroke:2px rgba(255,255,255,.3);
  -webkit-text-fill-color:transparent;
}
.hero-desc{
  font-size:17px;color:rgba(255,255,255,.7);line-height:1.7;
  margin-bottom:34px;max-width:500px;
}
.hero-btns{
  display:flex;gap:14px;flex-wrap:wrap;margin-bottom:40px;
}
.btn-primary{
  display:inline-flex;align-items:center;gap:8px;
  background:linear-gradient(135deg,var(--gold),var(--gold-light));
  color:var(--navy);padding:15px 32px;border-radius:12px;
  font-size:15px;font-weight:700;cursor:pointer;border:none;
  box-shadow:0 8px 28px rgba(232,151,26,.4);
  transition:all var(--transition);
}
.btn-primary:hover{
  transform:translateY(-3px);
  box-shadow:0 14px 40px rgba(232,151,26,.5);
}
.btn-secondary{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.25);
  color:#fff;padding:15px 32px;border-radius:12px;
  font-size:15px;font-weight:600;cursor:pointer;
  backdrop-filter:blur(8px);
  transition:all var(--transition);
}
.btn-secondary:hover{
  background:rgba(255,255,255,.18);
  border-color:rgba(255,255,255,.4);
  transform:translateY(-3px);
}
.hero-trust{
  display:flex;gap:24px;flex-wrap:wrap;
}
.trust-item{
  display:flex;align-items:center;gap:8px;
}
.trust-num{
  font-family:'Playfair Display',serif;
  font-size:26px;font-weight:700;color:#fff;line-height:1;
}
.trust-label{font-size:12px;color:rgba(255,255,255,.55);}

/* Hero Right — Card Stack */
.hero-right{position:relative;display:flex;justify-content:center;}
.hero-card-stack{position:relative;width:100%;max-width:420px;}
.hero-main-card{
  background:rgba(255,255,255,.07);
  backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius-lg);
  padding:32px;
  box-shadow:0 30px 80px rgba(0,0,0,.3);
  position:relative;overflow:hidden;
}
.hero-main-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--gold),var(--sky),var(--green));
}
.card-header-row{
  display:flex;justify-content:space-between;align-items:center;margin-bottom:24px;
}
.card-label{
  font-size:12px;font-weight:600;color:rgba(255,255,255,.5);
  text-transform:uppercase;letter-spacing:1.5px;
}
.card-status{
  display:flex;align-items:center;gap:6px;
  font-size:12px;color:var(--green);font-weight:600;
}
.status-dot{
  width:8px;height:8px;border-radius:50%;background:var(--green);
  animation:pulse 2s infinite;
}
.emi-display{
  text-align:center;margin-bottom:24px;
}
.emi-amount{
  font-family:'Playfair Display',serif;
  font-size:44px;font-weight:700;color:#fff;line-height:1;
}
.emi-label{font-size:13px;color:rgba(255,255,255,.5);margin-top:4px;}
.emi-slider-group{margin-bottom:16px;}
.slider-label-row{
  display:flex;justify-content:space-between;
  font-size:12px;color:rgba(255,255,255,.55);margin-bottom:6px;
}
.slider-val{color:rgba(255,255,255,.85);font-weight:600;}
.emi-slider{
  width:100%;height:5px;
  background:rgba(255,255,255,.15);
  border-radius:5px;appearance:none;-webkit-appearance:none;
  cursor:pointer;outline:none;
}
.emi-slider::-webkit-slider-thumb{
  width:18px;height:18px;border-radius:50%;
  background:linear-gradient(135deg,var(--gold),var(--gold-light));
  -webkit-appearance:none;cursor:pointer;
  box-shadow:0 2px 8px rgba(232,151,26,.5);
}
.emi-slider::-webkit-slider-runnable-track{
  background:linear-gradient(90deg, var(--sky) var(--pct,50%), rgba(255,255,255,.15) var(--pct,50%));
  border-radius:5px;height:5px;
}
.emi-result-row{
  display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-top:20px;
}
.emi-stat{
  background:rgba(255,255,255,.06);border-radius:10px;
  padding:10px 8px;text-align:center;
}
.emi-stat-val{font-size:15px;font-weight:700;color:#fff;}
.emi-stat-lbl{font-size:10px;color:rgba(255,255,255,.45);margin-top:2px;}

/* Floating mini cards */
.float-card{
  position:absolute;
  background:rgba(255,255,255,.95);
  border-radius:14px;padding:14px 16px;
  box-shadow:0 12px 40px rgba(5,16,31,.2);
  display:flex;align-items:center;gap:10px;
  animation:floatCard 4s ease-in-out infinite;
  border:1px solid rgba(255,255,255,.6);
}
.float-card-1{bottom:-20px;left:-30px;animation-delay:0s;}
.float-card-2{top:-20px;right:-20px;animation-delay:2s;}
@keyframes floatCard{
  0%,100%{transform:translateY(0);}
  50%{transform:translateY(-10px);}
}
.float-icon{
  width:36px;height:36px;border-radius:9px;
  display:flex;align-items:center;justify-content:center;
  font-size:16px;flex-shrink:0;
}
.float-text-group{display:flex;flex-direction:column;}
.float-main{font-size:13px;font-weight:700;color:var(--text);}
.float-sub{font-size:11px;color:var(--gray);}

/* ══════════════════════════════════════════════════
   SERVICES STRIP
══════════════════════════════════════════════════ */
.services-strip{
  background:var(--navy);
  padding:0;overflow:hidden;
}
.services-strip .container{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-left:1px solid rgba(255,255,255,.06);
}
.strip-item{
  padding:28px 24px;
  border-right:1px solid rgba(255,255,255,.06);
  border-top:3px solid transparent;
  transition:all var(--transition);cursor:pointer;
  display:flex;align-items:center;gap:16px;
}
.strip-item:hover{
  background:rgba(255,255,255,.04);
  border-top-color:var(--gold);
}
.strip-icon{
  width:46px;height:46px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:20px;flex-shrink:0;
}
.strip-text h4{font-size:15px;font-weight:600;color:#fff;margin-bottom:3px;}
.strip-text p{font-size:12px;color:rgba(255,255,255,.45);}

/* ══════════════════════════════════════════════════
   LOAN CARDS SECTION
══════════════════════════════════════════════════ */
.section-tag{
  display:inline-flex;align-items:center;gap:7px;
  background:rgba(37,99,235,.1);border:1px solid rgba(37,99,235,.2);
  color:var(--sky);padding:6px 16px;border-radius:30px;
  font-size:13px;font-weight:600;margin-bottom:14px;
}
.section-tag i{font-size:12px;}
.section-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(28px,4vw,44px);
  font-weight:700;color:var(--text);line-height:1.2;margin-bottom:14px;
}
.section-title span{color:var(--sky);}
.section-desc{
  font-size:16px;color:var(--gray);max-width:560px;line-height:1.7;
}
.section-header{margin-bottom:50px;}

.loan-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));
  gap:20px;
}
.loan-card{
  background:#fff;border-radius:var(--radius-lg);
  border:1.5px solid var(--border);padding:28px 22px;
  cursor:pointer;transition:all var(--transition);
  position:relative;overflow:hidden;
}
.loan-card::before{
  content:'';position:absolute;top:0;left:0;right:0;
  height:4px;border-radius:var(--radius-lg) var(--radius-lg) 0 0;
  background:var(--card-accent, linear-gradient(90deg,var(--sky),var(--mid-blue)));
  transform:scaleX(0);transform-origin:left;
  transition:transform var(--transition);
}
.loan-card:hover{
  transform:translateY(-6px);
  box-shadow:var(--shadow-lg);
  border-color:rgba(37,99,235,.25);
}
.loan-card:hover::before{transform:scaleX(1);}
.loan-icon{
  width:54px;height:54px;border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;margin-bottom:18px;
  transition:all var(--transition);
}
.loan-card:hover .loan-icon{transform:scale(1.1) rotate(-5deg);}
.loan-card h3{
  font-family:'Playfair Display',serif;
  font-size:18px;font-weight:700;color:var(--text);margin-bottom:8px;
}
.loan-card p{font-size:13.5px;color:var(--gray);margin-bottom:16px;line-height:1.6;}
.loan-rate{
  display:flex;align-items:baseline;gap:4px;margin-bottom:16px;
}
.rate-num{
  font-family:'Playfair Display',serif;
  font-size:22px;font-weight:700;color:var(--sky);
}
.rate-label{font-size:12px;color:var(--gray);}
.loan-link{
  display:flex;align-items:center;gap:6px;
  font-size:13px;font-weight:600;color:var(--sky);
  transition:gap var(--transition);
}
.loan-card:hover .loan-link{gap:10px;}

/* ══════════════════════════════════════════════════
   EMI CALCULATOR SECTION
══════════════════════════════════════════════════ */
.emi-section{
  background:var(--navy);
  position:relative;overflow:hidden;
}
.emi-section::before{
  content:'';position:absolute;
  top:-50%;right:-20%;
  width:600px;height:600px;
  background:radial-gradient(circle,rgba(37,99,235,.15) 0%,transparent 70%);
}
.emi-section .container{
  display:grid;grid-template-columns:1fr 1fr;
  gap:70px;align-items:center;
  position:relative;z-index:1;
}
.emi-section .section-title{color:#fff;}
.emi-section .section-desc{color:rgba(255,255,255,.6);}
.emi-section .section-tag{
  background:rgba(232,151,26,.12);
  border-color:rgba(232,151,26,.25);
  color:var(--gold-light);
}

.emi-calc-card{
  background:rgba(255,255,255,.05);
  backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.1);
  border-radius:var(--radius-lg);
  padding:36px;
}
.calc-input-group{margin-bottom:24px;}
.calc-label{
  display:flex;justify-content:space-between;align-items:center;
  font-size:13px;font-weight:600;color:rgba(255,255,255,.6);
  margin-bottom:10px;text-transform:uppercase;letter-spacing:.7px;
}
.calc-val{
  font-size:16px;font-weight:700;color:var(--gold-light);
}
.calc-input{
  width:100%;padding:12px 16px;
  background:rgba(255,255,255,.07);
  border:1.5px solid rgba(255,255,255,.12);
  border-radius:10px;color:#fff;font-size:15px;
  font-family:'DM Sans',sans-serif;
  transition:border-color var(--transition);outline:none;
}
.calc-input:focus{border-color:rgba(37,99,235,.6);}
.calc-slider{
  width:100%;height:6px;
  background:rgba(255,255,255,.12);border-radius:6px;
  appearance:none;-webkit-appearance:none;cursor:pointer;outline:none;
  margin-top:10px;
}
.calc-slider::-webkit-slider-thumb{
  width:20px;height:20px;border-radius:50%;
  background:linear-gradient(135deg,var(--sky),var(--mid-blue));
  -webkit-appearance:none;cursor:pointer;
  box-shadow:0 3px 10px rgba(37,99,235,.5);
}
.calc-result-box{
  background:linear-gradient(135deg,var(--sky),var(--mid-blue));
  border-radius:14px;padding:24px;margin-top:8px;
  text-align:center;
}
.result-label{font-size:13px;color:rgba(255,255,255,.75);margin-bottom:6px;font-weight:600;}
.result-emi{
  font-family:'Playfair Display',serif;
  font-size:42px;font-weight:700;color:#fff;line-height:1;margin-bottom:4px;
}
.result-note{font-size:12px;color:rgba(255,255,255,.6);}
.result-breakdown{
  display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px;
}
.breakdown-item{
  background:rgba(255,255,255,.12);border-radius:10px;padding:10px;text-align:center;
}
.breakdown-val{font-size:14px;font-weight:700;color:#fff;}
.breakdown-lbl{font-size:11px;color:rgba(255,255,255,.6);margin-top:2px;}

/* ══════════════════════════════════════════════════
   CREDIT SCORE SECTION
══════════════════════════════════════════════════ */
.credit-section{
  background:linear-gradient(135deg,var(--off-white) 0%,#e8f0fe 100%);
  position:relative;overflow:hidden;
}
.credit-section::before{
  content:'';position:absolute;top:-100px;right:-100px;
  width:400px;height:400px;border-radius:50%;
  background:radial-gradient(circle,rgba(37,99,235,.08) 0%,transparent 70%);
}
.credit-section .container{
  display:grid;grid-template-columns:1fr 1fr;
  gap:70px;align-items:center;position:relative;z-index:1;
}
.credit-visual{
  display:flex;flex-direction:column;align-items:center;gap:30px;
}
.score-gauge{
  position:relative;width:240px;height:240px;
}
.score-gauge svg{transform:rotate(-225deg);}
.gauge-bg{fill:none;stroke:#e2e8f0;stroke-width:14;}
.gauge-fill{
  fill:none;stroke-width:14;stroke-linecap:round;
  stroke-dasharray:340;stroke-dashoffset:340;
  transition:stroke-dashoffset 1.5s cubic-bezier(.4,0,.2,1);
}
.gauge-text{
  position:absolute;top:50%;left:50%;
  transform:translate(-50%,-50%);
  text-align:center;
}
.gauge-score{
  font-family:'Playfair Display',serif;
  font-size:52px;font-weight:700;color:var(--text);line-height:1;
}
.gauge-label{font-size:13px;color:var(--gray);font-weight:600;}
.score-ranges{
  display:grid;grid-template-columns:1fr 1fr;gap:10px;width:100%;
}
.range-item{
  display:flex;align-items:center;gap:8px;
  background:#fff;border-radius:10px;padding:10px 14px;
  box-shadow:0 2px 8px rgba(5,16,31,.06);
}
.range-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0;}
.range-text{font-size:12px;font-weight:600;color:var(--text);}
.range-val{font-size:11px;color:var(--gray);}

.credit-form{
  background:#fff;border-radius:var(--radius-lg);
  padding:36px;box-shadow:var(--shadow-lg);
  border:1px solid var(--border);
}
.credit-form h3{
  font-family:'Playfair Display',serif;
  font-size:24px;font-weight:700;color:var(--text);margin-bottom:6px;
}
.credit-form p{font-size:14px;color:var(--gray);margin-bottom:24px;}
.form-group{margin-bottom:18px;}
.form-label{
  display:block;font-size:13px;font-weight:600;
  color:var(--text);margin-bottom:7px;
}
.form-input{
  width:100%;padding:13px 16px;
  border:1.5px solid var(--border);border-radius:10px;
  font-family:'DM Sans',sans-serif;font-size:14.5px;
  color:var(--text);background:#fff;outline:none;
  transition:all var(--transition);
}
.form-input:focus{border-color:var(--sky);box-shadow:0 0 0 3px rgba(37,99,235,.1);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.btn-full{
  width:100%;padding:15px;background:linear-gradient(135deg,var(--sky),var(--mid-blue));
  color:#fff;border:none;border-radius:12px;
  font-size:15px;font-weight:700;cursor:pointer;
  display:flex;align-items:center;justify-content:center;gap:8px;
  box-shadow:0 6px 20px rgba(37,99,235,.35);
  transition:all var(--transition);
}
.btn-full:hover{
  transform:translateY(-2px);
  box-shadow:0 10px 30px rgba(37,99,235,.45);
}
.form-note{
  font-size:11.5px;color:var(--gray);text-align:center;
  margin-top:14px;line-height:1.5;
}

/* ══════════════════════════════════════════════════
   WHY CHOOSE US
══════════════════════════════════════════════════ */
.why-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
  gap:24px;
}
.why-card{
  background:#fff;border-radius:var(--radius-lg);
  padding:30px 26px;border:1.5px solid var(--border);
  transition:all var(--transition);position:relative;
  overflow:hidden;
}
.why-card::after{
  content:'';position:absolute;bottom:0;left:0;right:0;height:3px;
  background:var(--card-gradient,linear-gradient(90deg,var(--sky),var(--mid-blue)));
  transform:scaleX(0);transform-origin:left;
  transition:transform var(--transition);
}
.why-card:hover{
  transform:translateY(-5px);
  box-shadow:var(--shadow-lg);
  border-color:rgba(37,99,235,.2);
}
.why-card:hover::after{transform:scaleX(1);}
.why-icon{
  width:56px;height:56px;border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:24px;margin-bottom:20px;
  transition:transform var(--transition);
}
.why-card:hover .why-icon{transform:scale(1.12) rotate(-5deg);}
.why-card h3{font-family:'Playfair Display',serif;font-size:19px;font-weight:700;color:var(--text);margin-bottom:10px;}
.why-card p{font-size:14px;color:var(--gray);line-height:1.7;}

/* ══════════════════════════════════════════════════
   INSURANCE SECTION
══════════════════════════════════════════════════ */
.insurance-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:30px;
}
.ins-card{
  border-radius:var(--radius-lg);overflow:hidden;
  position:relative;cursor:pointer;
  transition:all var(--transition);
}
.ins-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);}
.ins-bg{
  padding:40px 32px;position:relative;
  min-height:280px;display:flex;flex-direction:column;justify-content:flex-end;
}
.ins-card-1 .ins-bg{
  background:linear-gradient(135deg,#0b2a6b 0%,#1a4db5 100%);
}
.ins-card-2 .ins-bg{
  background:linear-gradient(135deg,#065f46 0%,#059669 100%);
}
.ins-big-icon{
  position:absolute;top:20px;right:20px;
  font-size:80px;opacity:.12;color:#fff;
  transition:all var(--transition);
}
.ins-card:hover .ins-big-icon{opacity:.2;transform:scale(1.1) rotate(-10deg);}
.ins-badge{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);
  color:rgba(255,255,255,.9);padding:5px 12px;border-radius:20px;
  font-size:12px;font-weight:600;margin-bottom:14px;width:fit-content;
}
.ins-card h3{
  font-family:'Playfair Display',serif;
  font-size:26px;font-weight:700;color:#fff;margin-bottom:10px;
}
.ins-card p{font-size:14px;color:rgba(255,255,255,.7);margin-bottom:20px;line-height:1.6;}
.ins-features{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px;}
.ins-feature{
  display:flex;align-items:center;gap:5px;
  font-size:12px;color:rgba(255,255,255,.8);font-weight:500;
}
.ins-feature i{font-size:11px;color:var(--gold-light);}
.ins-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.15);border:1.5px solid rgba(255,255,255,.3);
  color:#fff;padding:12px 24px;border-radius:10px;
  font-size:14px;font-weight:600;cursor:pointer;
  transition:all var(--transition);width:fit-content;
}
.ins-btn:hover{background:rgba(255,255,255,.25);}

/* ══════════════════════════════════════════════════
   TESTIMONIALS
══════════════════════════════════════════════════ */
.testimonials-section{
  background:var(--off-white);
}
.testimonials-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));
  gap:24px;
}
.testi-card{
  background:#fff;border-radius:var(--radius-lg);
  padding:28px 26px;border:1.5px solid var(--border);
  transition:all var(--transition);
}
.testi-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);}
.testi-stars{display:flex;gap:4px;margin-bottom:16px;}
.testi-stars i{color:var(--gold);font-size:14px;}
.testi-text{
  font-size:14.5px;color:var(--gray);line-height:1.75;
  margin-bottom:20px;font-style:italic;
}
.testi-author{display:flex;align-items:center;gap:12px;}
.author-avatar{
  width:46px;height:46px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:18px;font-weight:700;color:#fff;flex-shrink:0;
}
.author-name{font-size:15px;font-weight:700;color:var(--text);}
.author-detail{font-size:12px;color:var(--gray);}
.testi-loan-tag{
  display:inline-block;background:rgba(37,99,235,.1);color:var(--sky);
  font-size:11px;font-weight:600;padding:3px 10px;border-radius:20px;margin-top:4px;
}

/* ══════════════════════════════════════════════════
   BLOG SECTION
══════════════════════════════════════════════════ */
.blog-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));
  gap:22px;
}
.blog-card{
  background:#fff;border-radius:var(--radius-lg);
  border:1.5px solid var(--border);overflow:hidden;
  cursor:pointer;transition:all var(--transition);
}
.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);}
.blog-thumb{
  height:160px;position:relative;overflow:hidden;
  display:flex;align-items:center;justify-content:center;
}
.blog-thumb-icon{font-size:48px;}
.blog-category{
  position:absolute;top:14px;left:14px;
  background:rgba(255,255,255,.9);backdrop-filter:blur(6px);
  color:var(--sky);font-size:11px;font-weight:700;
  padding:4px 12px;border-radius:20px;
  text-transform:uppercase;letter-spacing:.8px;
}
.blog-body{padding:20px;}
.blog-meta{
  display:flex;gap:14px;margin-bottom:10px;
}
.blog-meta span{
  font-size:12px;color:var(--gray);
  display:flex;align-items:center;gap:4px;
}
.blog-body h3{
  font-family:'Playfair Display',serif;
  font-size:16px;font-weight:700;color:var(--text);
  margin-bottom:8px;line-height:1.4;
}
.blog-body p{font-size:13px;color:var(--gray);line-height:1.6;}
.blog-read-more{
  display:flex;align-items:center;gap:6px;
  color:var(--sky);font-size:13px;font-weight:600;
  margin-top:14px;transition:gap var(--transition);
}
.blog-card:hover .blog-read-more{gap:10px;}

/* ══════════════════════════════════════════════════
   STATS BAND
══════════════════════════════════════════════════ */
.stats-band{
  background:linear-gradient(135deg,var(--blue) 0%,var(--navy) 100%);
  padding:50px 0;position:relative;overflow:hidden;
}
.stats-band::before{
  content:'';position:absolute;inset:0;
  background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.stats-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:0;position:relative;z-index:1;
}
.stat-block{
  text-align:center;padding:20px;
  border-right:1px solid rgba(255,255,255,.1);
}
.stat-block:last-child{border-right:none;}
.stat-number{
  font-family:'Playfair Display',serif;
  font-size:44px;font-weight:700;color:#fff;
  line-height:1;margin-bottom:6px;
}
.stat-number span{color:var(--gold);}
.stat-desc{font-size:14px;color:rgba(255,255,255,.55);font-weight:500;}

/* ══════════════════════════════════════════════════
   MUTUAL FUNDS TEASER
══════════════════════════════════════════════════ */
.mf-section{background:var(--off-white);}
.mf-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:60px;align-items:center;
}
.mf-cards{display:flex;flex-direction:column;gap:14px;}
.mf-card{
  background:#fff;border-radius:var(--radius);
  padding:18px 20px;border:1.5px solid var(--border);
  display:flex;align-items:center;gap:16px;
  transition:all var(--transition);cursor:pointer;
}
.mf-card:hover{
  border-color:var(--sky);
  box-shadow:0 8px 30px rgba(37,99,235,.12);
  transform:translateX(6px);
}
.mf-icon{
  width:46px;height:46px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:20px;flex-shrink:0;
}
.mf-info{flex:1;}
.mf-info h4{font-size:15px;font-weight:700;color:var(--text);margin-bottom:3px;}
.mf-info p{font-size:12.5px;color:var(--gray);}
.mf-return{
  text-align:right;flex-shrink:0;
}
.return-num{
  font-family:'Playfair Display',serif;
  font-size:20px;font-weight:700;color:var(--green);
}
.return-label{font-size:11px;color:var(--gray);}
.sip-badge{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(5,150,105,.1);border:1px solid rgba(5,150,105,.2);
  color:var(--green);padding:5px 14px;border-radius:20px;
  font-size:12px;font-weight:600;margin-top:16px;
}

/* ══════════════════════════════════════════════════
   CTA SECTION
══════════════════════════════════════════════════ */
.cta-section{
  background:var(--navy);padding:80px 0;
  position:relative;overflow:hidden;text-align:center;
}
.cta-section::before{
  content:'';position:absolute;
  top:-100px;left:50%;transform:translateX(-50%);
  width:700px;height:400px;border-radius:50%;
  background:radial-gradient(circle,rgba(37,99,235,.2) 0%,transparent 70%);
}
.cta-section .container{position:relative;z-index:1;}
.cta-section .section-tag{
  background:rgba(232,151,26,.12);
  border-color:rgba(232,151,26,.25);
  color:var(--gold-light);
}
.cta-section .section-title{color:#fff;max-width:600px;margin:0 auto 16px;}
.cta-section .section-desc{color:rgba(255,255,255,.6);margin:0 auto 34px;}
.cta-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;}
.btn-wa{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--green);color:#fff;
  padding:15px 32px;border-radius:12px;
  font-size:15px;font-weight:700;cursor:pointer;border:none;
  box-shadow:0 6px 20px rgba(5,150,105,.4);
  transition:all var(--transition);
}
.btn-wa:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(5,150,105,.5);}
.btn-call{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.25);
  color:#fff;padding:15px 32px;border-radius:12px;
  font-size:15px;font-weight:600;cursor:pointer;
  backdrop-filter:blur(8px);
  transition:all var(--transition);
}
.btn-call:hover{background:rgba(255,255,255,.18);transform:translateY(-3px);}

/* ══════════════════════════════════════════════════
   FOOTER
══════════════════════════════════════════════════ */
footer{
  background:#030c17;
  border-top:1px solid rgba(255,255,255,.06);
}
.footer-main{
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;
  gap:48px;padding:60px 0 40px;
}
.footer-brand .logo{margin-bottom:18px;}
.footer-brand p{
  font-size:14px;color:rgba(255,255,255,.5);
  line-height:1.75;margin-bottom:24px;max-width:280px;
}
.footer-socials{display:flex;gap:10px;}
.social-btn{
  width:38px;height:38px;border-radius:10px;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);
  display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,.6);font-size:15px;
  transition:all var(--transition);cursor:pointer;
}
.social-btn:hover{
  background:var(--sky);border-color:var(--sky);
  color:#fff;transform:translateY(-2px);
}
.footer-col h4{
  font-size:14px;font-weight:700;color:#fff;
  margin-bottom:18px;letter-spacing:.5px;
  position:relative;padding-bottom:10px;
}
.footer-col h4::after{
  content:'';position:absolute;bottom:0;left:0;
  width:24px;height:2px;background:var(--gold);border-radius:2px;
}
.footer-links{display:flex;flex-direction:column;gap:10px;}
.footer-link{
  font-size:13.5px;color:rgba(255,255,255,.5);
  transition:all var(--transition);
  display:flex;align-items:center;gap:6px;cursor:pointer;
}
.footer-link::before{
  content:'›';color:var(--sky);font-weight:700;
  transform:translateX(-4px);opacity:0;
  transition:all var(--transition);
}
.footer-link:hover{color:rgba(255,255,255,.85);padding-left:6px;}
.footer-link:hover::before{opacity:1;transform:translateX(0);}
.footer-contact-item{
  display:flex;align-items:flex-start;gap:10px;margin-bottom:14px;
}
.footer-contact-item i{
  width:32px;height:32px;border-radius:8px;
  background:rgba(255,255,255,.06);
  display:flex;align-items:center;justify-content:center;
  color:var(--gold);font-size:13px;flex-shrink:0;margin-top:1px;
}
.footer-contact-item span{
  font-size:13px;color:rgba(255,255,255,.55);line-height:1.6;
}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.06);
  padding:20px 0;
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:12px;
}
.footer-copy{font-size:13px;color:rgba(255,255,255,.35);}
.footer-bottom-links{display:flex;gap:20px;}
.footer-bottom-link{font-size:12.5px;color:rgba(255,255,255,.35);cursor:pointer;transition:color var(--transition);}
.footer-bottom-link:hover{color:rgba(255,255,255,.7);}

/* ══════════════════════════════════════════════════
   FLOATING BUTTONS
══════════════════════════════════════════════════ */
.floating-btns{
  position:fixed;bottom:28px;right:24px;
  display:flex;flex-direction:column;gap:12px;
  z-index:900;
}
.float-btn{
  width:54px;height:54px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;cursor:pointer;border:none;
  box-shadow:0 6px 24px rgba(0,0,0,.25);
  transition:all var(--transition);
  position:relative;
}
.float-btn::before{
  content:attr(data-tip);
  position:absolute;right:66px;
  background:rgba(0,0,0,.8);color:#fff;
  font-size:12px;font-weight:600;font-family:'DM Sans',sans-serif;
  padding:6px 12px;border-radius:6px;white-space:nowrap;
  opacity:0;transform:translateX(8px);
  transition:all var(--transition);pointer-events:none;
}
.float-btn:hover::before{opacity:1;transform:translateX(0);}
.float-btn:hover{transform:scale(1.1) translateY(-2px);}
.float-wa{background:#25d366;color:#fff;}
.float-call{background:var(--sky);color:#fff;}
.float-up{background:var(--navy);color:#fff;opacity:0;pointer-events:none;transition:all var(--transition);}
.float-up.visible{opacity:1;pointer-events:all;}

/* ══════════════════════════════════════════════════
   CHATBOT
══════════════════════════════════════════════════ */
.chatbot-toggle{
  position:fixed;bottom:28px;left:24px;
  width:56px;height:56px;border-radius:50%;
  background:linear-gradient(135deg,var(--sky),var(--mid-blue));
  color:#fff;font-size:22px;
  display:flex;align-items:center;justify-content:center;
  cursor:pointer;border:none;z-index:900;
  box-shadow:0 8px 28px rgba(37,99,235,.45);
  transition:all var(--transition);
}
.chatbot-toggle:hover{transform:scale(1.1);}
.chatbot-window{
  position:fixed;bottom:96px;left:24px;
  width:320px;
  background:#fff;border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);border:1px solid var(--border);
  z-index:900;overflow:hidden;
  transform:scale(.9) translateY(20px);
  opacity:0;visibility:hidden;
  transform-origin:bottom left;
  transition:all var(--transition);
}
.chatbot-window.open{
  transform:scale(1) translateY(0);
  opacity:1;visibility:visible;
}
.chat-header{
  background:linear-gradient(135deg,var(--blue),var(--sky));
  padding:16px 20px;
  display:flex;align-items:center;justify-content:space-between;
}
.chat-header-info{display:flex;align-items:center;gap:10px;}
.chat-avatar{
  width:38px;height:38px;border-radius:50%;
  background:rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;
  font-size:18px;
}
.chat-name{font-size:14px;font-weight:700;color:#fff;}
.chat-online{font-size:11px;color:rgba(255,255,255,.7);display:flex;align-items:center;gap:4px;}
.chat-online::before{content:'';width:6px;height:6px;border-radius:50%;background:#4ade80;display:inline-block;}
.chat-close{background:none;border:none;color:rgba(255,255,255,.7);font-size:16px;cursor:pointer;}
.chat-messages{
  height:240px;overflow-y:auto;padding:16px;
  display:flex;flex-direction:column;gap:12px;
  background:var(--off-white);
}
.chat-msg{max-width:85%;padding:10px 14px;border-radius:14px;font-size:13.5px;line-height:1.5;}
.chat-msg.bot{
  background:#fff;color:var(--text);
  border-radius:4px 14px 14px 14px;
  box-shadow:0 2px 8px rgba(5,16,31,.07);
  align-self:flex-start;
}
.chat-msg.user{
  background:linear-gradient(135deg,var(--sky),var(--mid-blue));
  color:#fff;border-radius:14px 14px 4px 14px;
  align-self:flex-end;
}
.quick-replies{
  display:flex;flex-wrap:wrap;gap:6px;padding:10px 16px;
  background:#fff;border-top:1px solid var(--border);
}
.quick-reply{
  background:var(--off-white);border:1px solid var(--border);
  color:var(--sky);font-size:12px;font-weight:600;
  padding:6px 12px;border-radius:20px;cursor:pointer;
  transition:all var(--transition);
}
.quick-reply:hover{background:var(--sky);color:#fff;border-color:var(--sky);}
.chat-input-row{
  display:flex;gap:8px;padding:12px 16px;
  background:#fff;border-top:1px solid var(--border);
}
.chat-input{
  flex:1;padding:9px 14px;border:1.5px solid var(--border);
  border-radius:20px;font-size:13px;outline:none;
  font-family:'DM Sans',sans-serif;
  transition:border-color var(--transition);
}
.chat-input:focus{border-color:var(--sky);}
.chat-send{
  width:36px;height:36px;border-radius:50%;
  background:var(--sky);color:#fff;border:none;
  font-size:14px;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  transition:all var(--transition);flex-shrink:0;
}
.chat-send:hover{background:var(--mid-blue);transform:scale(1.1);}

/* ══════════════════════════════════════════════════
   SCROLL ANIMATIONS
══════════════════════════════════════════════════ */
.fade-in{
  opacity:0;transform:translateY(30px);
  transition:opacity .7s ease,transform .7s ease;
}
.fade-in.visible{opacity:1;transform:translateY(0);}
.fade-in-delay-1{transition-delay:.1s;}
.fade-in-delay-2{transition-delay:.2s;}
.fade-in-delay-3{transition-delay:.3s;}
.fade-in-delay-4{transition-delay:.4s;}

/* ══════════════════════════════════════════════════
   RESPONSIVE
══════════════════════════════════════════════════ */
@media(max-width:1024px){
  .hero .container{grid-template-columns:1fr;gap:40px;text-align:center;}
  .hero-right{display:none;}
  .hero-btns{justify-content:center;}
  .hero-trust{justify-content:center;}
  .emi-section .container,.credit-section .container,
  .mf-grid{grid-template-columns:1fr;gap:40px;}
  .footer-main{grid-template-columns:1fr 1fr;}
  .insurance-grid{grid-template-columns:1fr;}
}
@media(max-width:768px){
  .topbar-left{display:none;}
  .nav-menu{display:none;}
  .hamburger{display:flex;}
  .services-strip .container{grid-template-columns:1fr 1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;gap:0;}
  .stat-block{border-bottom:1px solid rgba(255,255,255,.1);}
  .footer-main{grid-template-columns:1fr;}
  .section-padding{padding:60px 0;}
}
@media(max-width:480px){
  .services-strip .container{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .blog-grid{grid-template-columns:1fr;}
  .loan-grid{grid-template-columns:1fr 1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;text-align:center;}
}
/* =====================================================
   DROPDOWN MENU — ICON & ALIGNMENT FIX FOR INDEX.HTML
   Add this inside your <style> tag in index.html
   ===================================================== */

/* Dropdown container */
.dd {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 20px 60px rgba(4, 16, 30, .14);
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all .3s cubic-bezier(.4, 0, .2, 1);
  border: 1px solid #dde5f0;
  overflow: hidden;
  z-index: 200;
}

/* Show dropdown on hover */
.ni:hover .dd {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

/* Each dropdown item row */
.ddi {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 16px;
  font-size: 14px;
  color: #0f1b2d;
  transition: all .3s cubic-bezier(.4, 0, .2, 1);
  border-bottom: 1px solid #dde5f0;
  text-decoration: none;
  cursor: pointer;
}

.ddi:last-child {
  border-bottom: none;
}

.ddi:hover {
  background: #f7faff;
  color: #2563eb;          /* change to var(--sky) or your accent color */
  padding-left: 22px;
}

/* Icon box inside each dropdown item */
.ddi i {
  width: 32px;
  height: 32px;
  background: #f7faff;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  color: #2563eb;          /* your accent color */
  flex-shrink: 0;
  transition: all .3s cubic-bezier(.4, 0, .2, 1);
}

.ddi:hover i {
  background: #2563eb;     /* accent color on hover */
  color: #fff;
}

/* Nav item wrapper — needs position:relative for dropdown to anchor */
.ni {
  position: relative;
}

/* Rotate arrow icon when dropdown is open */
.ni:hover .arw {
  transform: rotate(180deg);
}

.arw {
  font-size: 10px;
  transition: transform .3s cubic-bezier(.4, 0, .2, 1);
  display: inline-block;
}

.dropdown-submenu {
  position: relative;
}

.dropdown-submenu-items {
  position: absolute;
  left: 100%;
  top: 0;
  background: white;
  min-width: 220px;
  border-radius: 8px;
  box-shadow: 0 10px 25px rgba(0,0,0,0.1);
  display: none;
}

.dropdown-submenu:hover .dropdown-submenu-items {
  display: block;
}

.sub-arrow {
  float: right;
  font-size: 12px;
}

/* ===== INSURANCE SUBMENU FIX ===== */

/* parent dropdown cut na ho */
.dropdown{
overflow:visible !important;
}

/* submenu parent */
.dropdown-submenu{
position:relative !important;
}

/* right side submenu */
.dropdown-submenu-items{
position:absolute !important;
top:-1px !important;
left:100% !important;
background:#fff !important;
min-width:220px !important;
border-radius:10px !important;
box-shadow:0 10px 30px rgba(0,0,0,0.1) !important;
display:none !important;
border:1px solid var(--border) !important;
z-index:999 !important;
}

/* hover par submenu open */
.dropdown-submenu:hover > .dropdown-submenu-items{
display:block !important;
}

/* ===== PREMIUM SUBMENU LOOK FIX ===== */

/* submenu position gap */
.dropdown-submenu-items{
left:calc(100% + 4px) !important;   /* small gap */
top:-6px !important;
padding:6px !important;
border-radius:12px !important;
box-shadow:0 18px 45px rgba(5,16,31,.18) !important;
}

/* submenu items spacing */
.dropdown-submenu-items .dropdown-item{
border-radius:8px !important;
margin:3px 0 !important;
}

/* hover effect smoother */
.dropdown-submenu-items .dropdown-item:hover{
padding-left:22px !important;
}

/* general insurance row better alignment */
.dropdown-submenu > .dropdown-item{
display:flex !important;
align-items:center !important;
justify-content:space-between !important;
}

/* arrow style */
.sub-arrow{
background:rgba(37,99,235,.08) !important;
width:22px !important;
height:22px !important;
display:flex !important;
align-items:center !important;
justify-content:center !important;
border-radius:6px !important;
font-size:10px !important;
}

/* hover arrow */
.dropdown-submenu:hover .sub-arrow{
background:var(--sky) !important;
color:white !important;
}

.mobile-dropdown .mobile-nav-link{
display:flex;
justify-content:space-between;
align-items:center;
cursor:pointer;
}

.mobile-submenu{
display:none;
padding-left:15px;
background:#f8faff;
}

.mobile-submenu a{
display:block;
padding:10px 8px;
font-size:14px;
border-bottom:1px solid #e5e7eb;
}

.mobile-sub-dropdown{
padding-left:10px;
}

.mobile-sub-toggle{
padding:10px 8px;
font-size:14px;
font-weight:600;
display:flex;
justify-content:space-between;
cursor:pointer;
}

.mobile-submenu-inner{
display:none;
padding-left:10px;
}