/* ===================================================
   FinCV – Main Stylesheet
   =================================================== */

:root {
  --navy-900: #060D1F;
  --navy-800: #0A1428;
  --navy-700: #0D1B3E;
  --navy-600: #112254;
  --blue-500: #1A3A8F;
  --blue-400: #2255C4;
  --blue-300: #3B73E8;
  --gold:      #F7A81B;
  --gold-light:#FFCC55;
  --white:     #FFFFFF;
  --gray-100:  #F4F6FB;
  --gray-200:  #E2E8F4;
  --gray-400:  #8B9CC0;
  --gray-500:  #5A6A8A;
  --green:     #10B981;
  --green-bg:  #ECFDF5;
  --font-main: 'Inter', system-ui, sans-serif;
  --font-head: 'Space Grotesk', 'Inter', system-ui, sans-serif;
  --radius:    12px;
  --radius-lg: 20px;
  --shadow:    0 4px 24px rgba(6, 13, 31, 0.12);
  --shadow-lg: 0 12px 48px rgba(6, 13, 31, 0.22);
}

/* ---- RESET ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-main);
  color: var(--navy-900);
  background: var(--white);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ---- CONTAINER ---- */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- SECTION BASICS ---- */
.section { padding: 96px 0; }
.section-dark {
  background: var(--navy-900);
  color: var(--white);
}
.section-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-title {
  font-family: var(--font-head);
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 16px;
}
.section-dark .section-title { color: var(--white); }
.section-sub {
  font-size: 18px;
  color: var(--gray-500);
  max-width: 640px;
  margin-bottom: 56px;
  line-height: 1.7;
}
.section-dark .section-sub { color: var(--gray-400); }

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 600;
  transition: all 0.2s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-900);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(247,168,27,0.3); }
.btn-ghost {
  background: rgba(255,255,255,0.1);
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.2);
}
.btn-ghost:hover { background: rgba(255,255,255,0.18); }
.btn-outline {
  background: transparent;
  color: var(--blue-400);
  border: 2px solid var(--blue-400);
}
.btn-outline:hover { background: var(--blue-400); color: var(--white); }
.btn-full { width: 100%; justify-content: center; }

/* ===================================================
   NAV
   =================================================== */
.nav-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(6, 13, 31, 0.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: background 0.3s;
}
.nav-header.scrolled { background: rgba(6, 13, 31, 0.98); }
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  display: flex;
  flex-direction: column;
  gap: 3px;
  line-height: 1;
}
.logo-img {
  height: 32px;
  width: auto;
  display: block;
}
.logo-tagline {
  font-family: var(--font-main);
  font-size: 9px;
  font-weight: 400;
  letter-spacing: 0.02em;
  color: rgba(255,255,255,0.5);
  line-height: 1;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-400);
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--white); }
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy-900) !important;
  padding: 10px 20px;
  border-radius: 8px;
  font-weight: 700 !important;
}
.nav-cta:hover { background: var(--gold-light) !important; color: var(--navy-900) !important; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
}
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s;
}

/* ===================================================
   HERO
   =================================================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--navy-900);
  overflow: hidden;
  padding-top: 68px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 60% 30%, rgba(26, 58, 143, 0.35) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 80% 80%, rgba(247, 168, 27, 0.08) 0%, transparent 50%);
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 70%);
}
.hero-content {
  position: relative;
  z-index: 2;
  padding: 80px 24px;
  max-width: 1160px;
  margin: 0 auto;
  width: 100%;
}
.hero-badge {
  display: inline-block;
  background: rgba(247,168,27,0.12);
  color: var(--gold);
  border: 1px solid rgba(247,168,27,0.25);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 28px;
}
.hero-title {
  font-family: var(--font-head);
  font-size: clamp(36px, 6vw, 72px);
  font-weight: 800;
  line-height: 1.08;
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: -1px;
}
.hero-title-accent { color: var(--gold); }
.hero-sub {
  font-size: clamp(16px, 2vw, 19px);
  color: var(--gray-400);
  max-width: 560px;
  line-height: 1.7;
  margin-bottom: 36px;
}
.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 64px;
}
.hero-stats {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  backdrop-filter: blur(8px);
}
.hero-stat {
  flex: 1;
  min-width: 100px;
  text-align: center;
  padding: 8px 16px;
}
.hero-stat-value {
  font-family: var(--font-head);
  font-size: clamp(20px, 2.5vw, 28px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
}
.hero-stat-label {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 4px;
  font-weight: 500;
}
.hero-stat-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,0.1);
  flex-shrink: 0;
}
.hero-scroll-hint {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  animation: bounce 2s infinite;
}
.scroll-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0.6;
}
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(8px); }
}

/* ===================================================
   WHY FINCV – PROBLEM/BENEFIT CARDS
   =================================================== */
.problem-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
}
.problem-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 28px;
  transition: border-color 0.2s, transform 0.2s;
}
.problem-card:hover {
  border-color: rgba(247,168,27,0.3);
  transform: translateY(-2px);
}
.problem-icon { font-size: 28px; margin-bottom: 14px; }
.problem-card h3 {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 8px;
}
.problem-card p {
  font-size: 14px;
  color: var(--gray-400);
  line-height: 1.6;
}

/* ===================================================
   LOAN PRODUCT
   =================================================== */
.loan-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.loan-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.loan-detail-card {
  background: var(--gray-100);
  border-radius: var(--radius);
  padding: 22px;
  border: 1px solid var(--gray-200);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.loan-detail-card:hover {
  border-color: var(--blue-300);
  box-shadow: var(--shadow);
}
.ldc-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-500);
  margin-bottom: 6px;
}
.ldc-value {
  font-family: var(--font-head);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy-700);
  margin-bottom: 6px;
  line-height: 1.2;
}
.ldc-note {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.5;
}

.loan-cta-box {
  background: var(--navy-900);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.loan-cta-box h3 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 18px;
}
.vehicle-list {
  margin-bottom: 24px;
}
.vehicle-list li {
  font-size: 15px;
  color: var(--gray-400);
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  display: flex;
  align-items: center;
  gap: 10px;
}
.vehicle-list li::before {
  content: '→';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
}
.loan-trust {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.trust-item {
  font-size: 14px;
  color: var(--green);
  font-weight: 500;
}

/* ===================================================
   FEES & CHARGES TABLE
   =================================================== */
.charges-table-wrap {
  margin-bottom: 48px;
}
.charges-title {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy-700);
  margin-bottom: 16px;
}
.charges-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  margin-bottom: 12px;
}
.charges-table th {
  background: var(--navy-900);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 12px 20px;
  text-align: left;
}
.charges-table td {
  padding: 12px 20px;
  font-size: 14px;
  border-bottom: 1px solid var(--gray-200);
  color: var(--navy-700);
}
.charges-table td:first-child { color: var(--gray-500); }
.charges-table td:last-child { font-weight: 600; }
.charges-table tr:last-child td { border-bottom: none; }
.charges-table tr:nth-child(even) td { background: var(--gray-100); }
.charges-note {
  font-size: 13px;
  color: var(--gray-500);
}
.charges-note a { color: var(--blue-400); font-weight: 600; }

/* ===================================================
   HOW IT WORKS
   =================================================== */
.process-steps {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 64px;
}
.process-step {
  flex: 1;
  min-width: 180px;
  max-width: 240px;
  text-align: center;
  padding: 28px 16px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  transition: border-color 0.2s;
}
.process-step:hover { border-color: rgba(247,168,27,0.3); }
.step-num {
  font-family: var(--font-head);
  font-size: 36px;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 10px;
  line-height: 1;
  opacity: 0.5;
}
.process-step h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.process-step p {
  font-size: 13px;
  color: var(--gray-400);
  line-height: 1.6;
}
.step-arrow {
  font-size: 24px;
  color: var(--gray-400);
  padding-top: 40px;
  flex-shrink: 0;
}

/* DOCUMENTS */
.docs-section { }
.docs-title {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 24px;
}
.docs-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 16px;
}
.doc-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 18px;
}
.doc-icon { font-size: 24px; flex-shrink: 0; }
.doc-item strong {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 2px;
}
.doc-item span {
  font-size: 13px;
  color: var(--gray-400);
}

/* ===================================================
   ELIGIBILITY
   =================================================== */
.eligibility-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-bottom: 56px;
}
.elig-col {
  border-radius: var(--radius-lg);
  padding: 32px;
}
.elig-yes {
  background: var(--green-bg);
  border: 1px solid #A7F3D0;
}
.elig-how {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
}
.elig-heading {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-700);
  margin-bottom: 18px;
}
.elig-heading-yes { color: #065F46; }
.elig-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 0;
}
.elig-list li {
  font-size: 15px;
  color: var(--navy-700);
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.5;
}
.elig-yes .elig-list li::before {
  content: '✓';
  color: var(--green);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.elig-list-neutral li::before {
  content: '•';
  color: var(--blue-300);
  font-weight: 700;
  flex-shrink: 0;
}
.elig-note {
  margin-top: 18px;
  padding: 14px;
  background: var(--white);
  border-radius: 8px;
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.6;
  border: 1px solid var(--gray-200);
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1px;
  background: var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
}
.trust-bar-item {
  background: var(--white);
  padding: 28px 20px;
  text-align: center;
}
.tb-value {
  font-family: var(--font-head);
  font-size: 32px;
  font-weight: 800;
  color: var(--navy-700);
  margin-bottom: 4px;
}
.tb-label {
  font-size: 13px;
  color: var(--gray-500);
  font-weight: 500;
}

/* ===================================================
   FAQ
   =================================================== */
.faq-list {
  max-width: 800px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-item:first-child { border-top: 1px solid var(--gray-200); }
.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy-700);
  text-align: left;
  gap: 16px;
  transition: color 0.2s;
}
.faq-q:hover { color: var(--blue-400); }
.faq-q[aria-expanded="true"] { color: var(--blue-400); }
.faq-icon {
  font-size: 22px;
  font-weight: 400;
  flex-shrink: 0;
  transition: transform 0.2s;
  color: var(--gray-400);
}
.faq-q[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
  color: var(--blue-400);
}
.faq-a {
  display: none;
  padding: 0 0 20px;
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.7;
  max-width: 680px;
}
.faq-a.open { display: block; }

/* ===================================================
   CONTACT
   =================================================== */
.contact-section { background: var(--gray-100); }
.contact-intro {
  color: var(--gray-500);
  margin-bottom: 32px;
  line-height: 1.7;
  font-size: 16px;
  max-width: 560px;
}
.contact-top-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0 40px;
  margin-bottom: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--gray-200);
}
.ci-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  font-size: 15px;
  color: var(--gray-500);
}
.ci-icon { font-size: 18px; flex-shrink: 0; }
.ci-item a { color: var(--navy-700); font-weight: 600; transition: color 0.2s; }
.ci-item a:hover { color: var(--blue-400); }

.branches-section { }
.branches-label {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 24px;
}
.branches-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 24px;
}
.branch-state-group {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
}
.branch-state-name {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: var(--navy-700);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
}
.branch-list { }
.branch-list li {
  font-size: 14px;
  color: var(--gray-500);
  padding: 6px 0;
  border-bottom: 1px solid var(--gray-100);
  display: flex;
  align-items: center;
  gap: 8px;
}
.branch-list li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}
.branch-list li:last-child { border-bottom: none; }

/* ===================================================
   FOOTER
   =================================================== */
.footer {
  background: var(--navy-900);
  color: var(--white);
  padding: 64px 0 0;
}
.footer-top {
  display: flex;
  gap: 64px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  flex-wrap: wrap;
}
.footer-brand { flex: 0 0 260px; }
.footer-brand p {
  font-size: 14px;
  color: var(--gray-400);
  margin-top: 12px;
  line-height: 1.6;
}
.footer-links {
  display: flex;
  gap: 48px;
  flex-wrap: wrap;
  flex: 1;
}
.footer-col {
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-width: 120px;
}
.footer-col-title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 4px;
}
.footer-col a {
  font-size: 14px;
  color: var(--gray-400);
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); }
.footer-grievance {
  padding: 24px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.fg-title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 8px;
}
.footer-grievance p {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 4px;
}
.footer-grievance a { color: var(--gray-400); text-decoration: underline; transition: color 0.2s; }
.footer-grievance a:hover { color: var(--white); }

.footer-disclaimer {
  padding: 28px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-disclaimer p {
  font-size: 12px;
  color: var(--gray-500);
  line-height: 1.7;
}
.footer-disclaimer strong { color: var(--gray-400); }
.footer-bottom {
  padding: 20px 0;
  text-align: center;
}
.footer-bottom p { font-size: 12px; color: var(--gray-500); }

/* ===================================================
   ANIMATIONS
   =================================================== */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ===================================================
   RESPONSIVE
   =================================================== */

/* Charges table — allow horizontal scroll on any viewport */
.charges-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ---- TEAM ---- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.team-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: background 0.2s, border-color 0.2s;
}
.team-card:hover {
  background: rgba(255,255,255,0.09);
  border-color: rgba(247,168,27,0.4);
}
.team-photo {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top;
  margin-bottom: 16px;
  border: 2px solid var(--gold);
}
.team-name {
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}
.team-role {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
/* ---- VISION & MISSION ---- */
.vision-section { background: var(--gray-100); }
.vm-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.vm-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
}
.vm-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 4px; height: 100%;
  background: var(--gold);
}
.vm-label {
  font-family: var(--font-head);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.vm-text {
  font-size: 18px;
  font-weight: 500;
  color: var(--navy-700);
  line-height: 1.65;
}

@media (max-width: 900px) {
  .loan-layout { grid-template-columns: 1fr; }
  .loan-details { grid-template-columns: 1fr 1fr; }
  .eligibility-layout { grid-template-columns: 1fr; }
  .footer-top { gap: 32px; }
  .footer-brand { flex: 0 0 100%; }
  .footer-links { gap: 32px; }
  .vm-grid { grid-template-columns: 1fr; gap: 20px; }
  .branches-grid { grid-template-columns: 1fr 1fr; }
  .contact-top-row { gap: 0 24px; }
  .team-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
}

@media (max-width: 700px) {
  .section { padding: 56px 0; }
  .section-sub { font-size: 16px; margin-bottom: 36px; }

  /* Mobile nav */
  .nav-links {
    position: fixed;
    top: 68px; left: 0; right: 0;
    background: var(--navy-900);
    flex-direction: column;
    align-items: stretch;
    padding: 16px 24px 24px;
    gap: 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    transform: translateY(-110%);
    transition: transform 0.3s ease;
    z-index: 99;
  }
  .nav-links.open { transform: translateY(0); }
  .nav-links a {
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    font-size: 16px;
    color: var(--white);
  }
  .nav-cta {
    margin-top: 8px;
    text-align: center;
    padding: 14px 0 !important;
    border-radius: 8px !important;
    display: block;
  }
  .hamburger { display: flex; }

  /* Hero */
  .hero-content { padding: 56px 24px 40px; }
  .hero-badge { font-size: 11px; padding: 5px 12px; white-space: normal; text-align: center; }
  .hero-stats { flex-direction: column; padding: 16px; gap: 0; }
  .hero-stat { padding: 12px 8px; width: 100%; text-align: left; display: flex; justify-content: space-between; align-items: center; }
  .hero-stat-value { font-size: 20px; }
  .hero-stat-label { font-size: 12px; }
  .hero-stat-divider { width: 100%; height: 1px; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; justify-content: center; }

  /* Loan section */
  .loan-details { grid-template-columns: 1fr; }
  .loan-cta-box { padding: 24px; }
  .charges-table th, .charges-table td { padding: 10px 12px; font-size: 13px; }

  /* Process steps */
  .process-steps { flex-direction: column; align-items: center; margin-bottom: 40px; }
  .process-step { max-width: 100%; width: 100%; }
  .step-arrow { transform: rotate(90deg); padding-top: 0; font-size: 20px; }

  /* Docs grid */
  .docs-grid { grid-template-columns: 1fr; }

  /* Eligibility */
  .elig-col { padding: 24px; }

  /* Trust bar — full width single column */
  .trust-bar { grid-template-columns: 1fr 1fr; }
  .tb-value { font-size: 24px; }

  /* FAQ */
  .faq-q { font-size: 14px; }

  /* Vision & Mission */
  .vm-card { padding: 28px 24px; }
  .vm-text { font-size: 16px; }

  /* Team */
  .team-grid { grid-template-columns: 1fr 1fr; gap: 16px; }

  /* Branches */
  .branches-grid { grid-template-columns: 1fr; }
  .contact-top-row { flex-direction: column; gap: 0; }

  /* Footer */
  .footer-links { flex-direction: column; gap: 24px; }
  .footer-col { min-width: unset; }
  .footer-bottom p { font-size: 11px; line-height: 1.8; }
  .footer-grievance p { font-size: 12px; }

}

@media (max-width: 480px) {
  .section { padding: 48px 0; }
  .container { padding: 0 16px; }

  /* Hero */
  .hero-content { padding: 40px 16px 32px; }
  .hero-title { letter-spacing: -0.5px; }
  .hero-sub { font-size: 15px; }

  /* Problem grid — force single column */
  .problem-grid { grid-template-columns: 1fr; }

  /* Loan */
  .loan-details { grid-template-columns: 1fr; }
  .ldc-value { font-size: 16px; }

  /* Trust bar */
  .trust-bar { grid-template-columns: 1fr; }
  .trust-bar-item { padding: 20px 16px; }

  /* Eligibility */
  .elig-col { padding: 20px 16px; }
  .elig-list li { font-size: 14px; }

  /* Footer */
  .footer { padding: 48px 0 0; }
  .footer-top { padding-bottom: 32px; }
  .footer-brand p { font-size: 13px; }
}