/* ===========================
   MURLI FINANCE — STYLES
   =========================== */

/* System font fallback while Inter loads (prevents FOUT layout shift) */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: local('Inter');
}

:root {
  --primary: #1e5c3a;
  --primary-dark: #164a2e;
  --primary-light: #eaf4ee;
  --accent: #c9941a;
  --accent-dark: #a87716;
  --text: #1a2e1e;
  --text-secondary: #5a6e60;
  --border: #dde8e1;
  --bg: #ffffff;
  --bg-alt: #f6f9f7;
  --success: #1e8c4a;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(30,92,58,0.10);
  --shadow-lg: 0 8px 40px rgba(30,92,58,0.15);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* CONTAINER */
.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
  white-space: nowrap;
}
.btn-primary {
  background: var(--primary);
  color: #fff;
}
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(30,92,58,0.40); }
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-white {
  background: #fff;
  color: var(--primary);
  font-weight: 700;
}
.btn-white:hover { background: #eaf4ee; transform: translateY(-1px); }
.btn-accent {
  background: var(--accent);
  color: #fff;
}
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-1px); }
.btn-lg { padding: 16px 36px; font-size: 17px; border-radius: 10px; }

/* HEADER */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,0.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 20px;
  font-weight: 600;
  color: var(--text);
}
.logo strong { color: var(--primary); }
.logo-img {
  height: 44px;
  width: auto;
  display: block;
  flex-shrink: 0;
}
.logo-img-white {
  filter: brightness(0) invert(1);
  opacity: 0.9;
}
.logo-text {
  font-size: 17px;
  font-weight: 600;
  letter-spacing: 0.03em;
  color: var(--primary);
  line-height: 1.1;
  text-transform: uppercase;
}
.logo-text strong { font-weight: 800; }
.footer .logo-text { color: #fff; }
.footer .logo-text strong { color: #fff; }
.logo-icon {
  background: var(--primary);
  color: #fff;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 18px;
}
.nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav a {
  padding: 8px 14px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all 0.15s;
}
.nav a:hover, .nav a.active { color: var(--primary); background: var(--primary-light); }
.nav .nav-cta { margin-left: 8px; padding: 8px 20px; color: #fff; }
.hamburger {
  display: none;
  background: none;
  border: none;
  font-size: 22px;
  cursor: pointer;
  color: var(--text);
}
.mobile-nav {
  display: none;
  flex-direction: column;
  padding: 16px 24px;
  border-top: 1px solid var(--border);
  gap: 4px;
  background: #fff;
}
.mobile-nav a {
  padding: 10px 12px;
  border-radius: 6px;
  font-weight: 500;
  color: var(--text);
}
.mobile-nav a:hover { background: var(--primary-light); color: var(--primary); }
.mobile-nav .btn { margin-top: 8px; text-align: center; }
.mobile-nav.open { display: flex; }

/* HERO */
.hero {
  background: linear-gradient(135deg, #0d3320 0%, #1e5c3a 60%, #276b46 100%);
  color: #fff;
  padding: 80px 0 60px;
  overflow: hidden;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: #fff;
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 20px;
  backdrop-filter: blur(4px);
}
.hero h1 {
  font-size: 48px;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero h1 .highlight { color: var(--accent); }
.hero-sub {
  font-size: 18px;
  color: rgba(255,255,255,0.85);
  margin-bottom: 32px;
  max-width: 480px;
}
.hero-note {
  font-size: 13px;
  color: rgba(255,255,255,0.65);
  margin-top: 12px;
}
.hero-card {
  background: #fff;
  border: none;
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.2);
}

/* HERO FORM */
.hero-form-header {
  margin-bottom: 20px;
}
.hero-form-header h3 {
  font-size: 20px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 4px;
}
.hero-form-header p {
  font-size: 12px;
  color: var(--text-secondary);
}
.hero-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.hero-form-field {
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.hero-form-field label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.hero-form-field input,
.hero-form-field select {
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 14px;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  transition: border-color 0.15s;
  width: 100%;
}
.hero-form-field input:focus,
.hero-form-field select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30,92,58,0.1);
}
.input-prefix-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  transition: border-color 0.15s;
}
.input-prefix-wrap:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30,92,58,0.1);
}
.input-prefix {
  background: var(--bg-alt);
  padding: 11px 12px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-secondary);
  border-right: 1.5px solid var(--border);
  flex-shrink: 0;
}
.input-prefix-wrap input {
  border: none !important;
  box-shadow: none !important;
  border-radius: 0;
  flex: 1;
}
.hero-form-btn {
  width: 100%;
  margin-top: 4px;
  background: var(--primary);
  justify-content: center;
  font-size: 16px;
}
.hero-form-btn:hover {
  background: var(--primary-dark);
  box-shadow: 0 4px 16px rgba(30,92,58,0.35);
}
.hero-form-success {
  display: none;
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 14px;
  font-weight: 600;
  color: #065f46;
  text-align: center;
}
.hero-form-success.show { display: block; }

.stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.stat { text-align: center; }
.stat-num {
  display: block;
  font-size: 32px;
  font-weight: 800;
  color: #fff;
}
.stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.7);
  display: block;
  margin-top: 4px;
}

/* TRUST STRIP */
.trust-strip {
  background: var(--bg-alt);
  padding: 32px 0;
  border-bottom: 1px solid var(--border);
}
.trust-label {
  text-align: center;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}
.bank-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
}
.bank-logo {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 8px 20px;
  font-weight: 700;
  font-size: 13px;
  color: var(--text-secondary);
  box-shadow: 0 1px 4px rgba(0,0,0,0.04);
}

/* SECTIONS */
.section { padding: 80px 0; }
.section-alt { background: var(--bg-alt); }
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-header h2 {
  font-size: 36px;
  font-weight: 800;
  margin-bottom: 10px;
}
.section-header p {
  font-size: 17px;
  color: var(--text-secondary);
}

/* STEPS */
.steps {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}
.step {
  flex: 1;
  min-width: 180px;
  max-width: 220px;
  text-align: center;
}
.step-num {
  width: 52px;
  height: 52px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  font-size: 22px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.step h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 14px; color: var(--text-secondary); }
.step-arrow {
  font-size: 28px;
  color: var(--border);
  margin-top: 12px;
  flex-shrink: 0;
}

/* FEATURES */
.features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: all 0.2s;
}
.feature-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.feature-icon { font-size: 32px; margin-bottom: 14px; }
.feature-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.feature-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }

/* LOAN CARDS */
.loan-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.loan-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  transition: all 0.2s;
}
.loan-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.loan-card.featured {
  border-color: var(--primary);
  box-shadow: 0 0 0 1px var(--primary), var(--shadow);
}
.loan-badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--primary);
  color: #fff;
  padding: 4px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  white-space: nowrap;
}
.loan-card h3 { font-size: 18px; font-weight: 700; }
.loan-rate { color: var(--text-secondary); font-size: 14px; }
.loan-rate strong { color: var(--success); font-size: 18px; }
.loan-card ul { display: flex; flex-direction: column; gap: 8px; flex: 1; }
.loan-card li {
  font-size: 13px;
  color: var(--text-secondary);
  padding-left: 16px;
  position: relative;
}
.loan-card li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
}

/* TESTIMONIALS */
.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.stars { color: var(--accent); font-size: 18px; margin-bottom: 14px; }
.testimonial-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 40px;
  height: 40px;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 13px;
  flex-shrink: 0;
}
.testimonial-author strong { display: block; font-size: 14px; }
.testimonial-author span { font-size: 12px; color: var(--text-secondary); }

/* CTA BANNER */
.cta-banner {
  background: linear-gradient(135deg, #0d3320 0%, #1e5c3a 100%);
  color: #fff;
  text-align: center;
  padding: 80px 24px;
}
.cta-banner h2 { font-size: 36px; font-weight: 800; margin-bottom: 12px; }
.cta-banner p { font-size: 18px; color: rgba(255,255,255,0.8); margin-bottom: 32px; }

/* FOOTER */
.footer {
  background: #0d2a18;
  color: rgba(255,255,255,0.8);
  padding: 60px 0 0;
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 40px;
  padding-bottom: 48px;
}
.footer-brand .logo { color: #fff; margin-bottom: 12px; }
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 240px; }
.social-links { display: flex; gap: 10px; margin-top: 16px; }
.social-links a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
  transition: background 0.2s;
}
.social-links a:hover { background: var(--primary); }
.footer-links h4, .footer-contact h4 {
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}
.footer-links a {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  margin-bottom: 10px;
  transition: color 0.15s;
}
.footer-links a:hover { color: #fff; }
.footer-contact h4 {
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 20px 0;
  text-align: center;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.4); margin-bottom: 4px; }

/* PAGE HERO (inner pages) */
.page-hero {
  background: linear-gradient(135deg, #0d3320 0%, #1e5c3a 100%);
  color: #fff;
  padding: 60px 0 50px;
  text-align: center;
}
.page-hero h1 { font-size: 40px; font-weight: 800; margin-bottom: 12px; }
.page-hero p { font-size: 18px; color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto; }

/* CALCULATOR */
.calculator-section {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 40px;
  box-shadow: var(--shadow);
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.calc-inputs { display: flex; flex-direction: column; gap: 24px; }
.calc-field label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 8px;
}
.calc-field input[type="range"] {
  width: 100%;
  accent-color: var(--primary);
  cursor: pointer;
}
.calc-field .range-value {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 6px;
}
.range-display {
  font-size: 20px;
  font-weight: 700;
  color: var(--primary);
}
.range-limits { font-size: 12px; color: var(--text-secondary); }
.calc-result {
  background: var(--primary);
  color: #fff;
  border-radius: 16px;
  padding: 32px;
  text-align: center;
}
.emi-label { font-size: 14px; color: rgba(255,255,255,0.75); margin-bottom: 8px; }
.emi-amount { font-size: 48px; font-weight: 800; margin-bottom: 4px; }
.emi-note { font-size: 12px; color: rgba(255,255,255,0.6); margin-bottom: 24px; }
.emi-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.emi-item {
  background: rgba(255,255,255,0.12);
  border-radius: 10px;
  padding: 14px;
}
.emi-item span { display: block; font-size: 12px; color: rgba(255,255,255,0.7); margin-bottom: 4px; }
.emi-item strong { font-size: 17px; font-weight: 700; }

/* ELIGIBILITY */
.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.elig-card {
  background: var(--bg-alt);
  border-radius: 16px;
  padding: 32px;
}
.elig-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 20px; }
.elig-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.elig-item:last-child { border-bottom: none; }
.elig-icon {
  width: 40px;
  height: 40px;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.elig-text strong { display: block; font-size: 14px; font-weight: 600; }
.elig-text span { font-size: 13px; color: var(--text-secondary); }

/* PROCESS TABLE */
.process-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.process-table th {
  background: var(--primary);
  color: #fff;
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
}
.process-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
}
.process-table tr:hover td { background: var(--bg-alt); }

/* FORM */
.form-section {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 40px;
  box-shadow: var(--shadow);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: 14px; font-weight: 600; }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  transition: border-color 0.15s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.1);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-submit { margin-top: 8px; }
.form-privacy {
  font-size: 12px;
  color: var(--text-secondary);
  margin-top: 12px;
}

/* ABOUT */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.about-img-placeholder {
  background: linear-gradient(135deg, var(--primary-light), #dbeafe);
  border-radius: 20px;
  height: 400px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 80px;
}
.about-text h2 { font-size: 36px; font-weight: 800; margin-bottom: 16px; }
.about-text p { font-size: 16px; color: var(--text-secondary); margin-bottom: 16px; line-height: 1.8; }
.about-highlights { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
.about-highlight {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  font-weight: 500;
}
.about-highlight .check {
  width: 28px;
  height: 28px;
  background: var(--success);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
}

/* TEAM */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.team-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
}
.team-avatar {
  width: 72px;
  height: 72px;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 50%;
  font-size: 24px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.team-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 4px; }
.team-card .role { font-size: 13px; color: var(--primary); font-weight: 600; margin-bottom: 12px; }
.team-card p { font-size: 13px; color: var(--text-secondary); }

/* CONTACT */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 48px;
  align-items: start;
}
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--bg-alt);
  border-radius: 12px;
}
.contact-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}
.contact-item h3 { font-size: 15px; font-weight: 700; margin-bottom: 4px; }
.contact-item p, .contact-item a { font-size: 14px; color: var(--text-secondary); display: block; }
.contact-item a:hover { color: var(--primary); }
.map-placeholder {
  background: var(--bg-alt);
  border-radius: 16px;
  height: 300px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-secondary);
  font-size: 48px;
  margin-top: 20px;
  border: 1px solid var(--border);
}

/* WHATSAPP FLOAT */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  background: #25d366;
  color: #fff;
  border-radius: 50px;
  padding: 12px 20px;
  font-weight: 600;
  font-size: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 20px rgba(37,211,102,0.45);
  transition: all 0.2s;
}
.whatsapp-float:hover { transform: translateY(-2px); box-shadow: 0 6px 28px rgba(37,211,102,0.55); }

/* SUCCESS BOX */
.success-box {
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  border-radius: 12px;
  padding: 20px 24px;
  display: none;
  align-items: center;
  gap: 12px;
  color: #065f46;
  font-weight: 600;
  margin-top: 16px;
}
.success-box.show { display: flex; }

/* SEO AREAS SECTION */
.seo-areas {
  background: var(--bg-alt);
  padding: 60px 0;
  border-top: 1px solid var(--border);
}
.seo-areas h2 {
  font-size: 24px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 16px;
}
.seo-areas p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.8;
  max-width: 860px;
  margin-bottom: 12px;
}
.area-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 20px;
}
.area-tags span {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 13px;
  font-weight: 500;
  color: var(--primary);
}

/* FAQ PAGE */
.faq-section { margin-bottom: 40px; }
.faq-section-title {
  font-size: 20px;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--primary-light);
}
details.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
details.faq-item[open] { box-shadow: var(--shadow); border-color: var(--primary); }
details.faq-item summary {
  padding: 18px 20px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--text);
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after {
  content: '+';
  font-size: 22px;
  font-weight: 400;
  color: var(--primary);
  flex-shrink: 0;
  margin-left: 16px;
  transition: transform 0.2s;
}
details.faq-item[open] summary::after { content: '\2212'; }
details.faq-item .faq-answer {
  padding: 0 20px 18px;
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.8;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}

/* BLOG LISTING */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.blog-featured {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
}
.blog-featured-img {
  background: linear-gradient(135deg, #0d3320 0%, #1e5c3a 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 80px;
  min-height: 260px;
}
.blog-featured-content { padding: 36px; }
.blog-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: all 0.2s;
}
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.blog-card-img {
  background: linear-gradient(135deg, var(--primary-light), #c8e6d4);
  height: 140px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 44px;
}
.blog-card-body { padding: 20px; flex: 1; display: flex; flex-direction: column; }
.blog-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 10px; }
.blog-category {
  background: var(--primary-light);
  color: var(--primary);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 3px 10px;
  border-radius: 100px;
}
.blog-read-time { font-size: 12px; color: var(--text-secondary); }
.blog-card h3 { font-size: 16px; font-weight: 700; line-height: 1.4; margin-bottom: 10px; color: var(--text); }
.blog-featured-content h2 { font-size: 26px; font-weight: 800; line-height: 1.3; margin-bottom: 12px; }
.blog-excerpt { font-size: 13px; color: var(--text-secondary); line-height: 1.7; margin-bottom: 16px; flex: 1; }
.blog-read-more {
  color: var(--primary);
  font-size: 13px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: auto;
}
.blog-read-more:hover { gap: 8px; }

/* BLOG POST */
.blog-post-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  align-items: start;
}
.blog-post-content { min-width: 0; }
.blog-post-content h1 { font-size: 36px; font-weight: 800; line-height: 1.2; margin-bottom: 16px; }
.blog-post-content h2 { font-size: 22px; font-weight: 700; margin: 32px 0 12px; color: var(--text); }
.blog-post-content h3 { font-size: 18px; font-weight: 700; margin: 24px 0 10px; color: var(--primary); }
.blog-post-content p { font-size: 16px; color: #374151; line-height: 1.85; margin-bottom: 16px; }
.blog-post-content ul, .blog-post-content ol { margin: 0 0 16px 20px; }
.blog-post-content li { font-size: 15px; color: #374151; line-height: 1.8; margin-bottom: 6px; }
.blog-post-content strong { color: var(--text); }
.blog-cta-box {
  background: linear-gradient(135deg, #0d3320, #1e5c3a);
  color: #fff;
  border-radius: 16px;
  padding: 28px 32px;
  margin: 32px 0;
  text-align: center;
}
.blog-cta-box h3 { font-size: 20px; font-weight: 800; margin-bottom: 8px; }
.blog-cta-box p { font-size: 14px; color: rgba(255,255,255,0.8); margin-bottom: 20px; }
.blog-post-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
  flex-wrap: wrap;
}
.post-author { font-size: 13px; color: var(--text-secondary); }
.post-date { font-size: 13px; color: var(--text-secondary); }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-secondary);
  margin-bottom: 24px;
}
.breadcrumb a { color: var(--primary); }
.breadcrumb span { color: var(--border); }
.blog-sidebar { position: sticky; top: 88px; }
.sidebar-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px;
  margin-bottom: 20px;
}
.sidebar-card h3 { font-size: 14px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; color: var(--primary); margin-bottom: 16px; }
.sidebar-links { display: flex; flex-direction: column; gap: 10px; }
.sidebar-links a { font-size: 13px; color: var(--text); line-height: 1.4; padding-bottom: 10px; border-bottom: 1px solid var(--border); }
.sidebar-links a:last-child { border-bottom: none; padding-bottom: 0; }
.sidebar-links a:hover { color: var(--primary); }

/* Responsive blog */
@media (max-width: 900px) {
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .blog-featured { grid-template-columns: 1fr; }
  .blog-featured-img { min-height: 160px; }
  .blog-post-layout { grid-template-columns: 1fr; }
  .blog-sidebar { position: static; }
}
@media (max-width: 600px) {
  .blog-grid { grid-template-columns: 1fr; }
}

/* FOOTER CONTACT ITEMS */
.fc-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  line-height: 1.5;
}
.fc-item a {
  color: rgba(255,255,255,0.65);
  transition: color 0.15s;
  display: inline;
}
.fc-item a:hover { color: #fff; }
.fc-icon {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
  margin-top: 2px;
  color: rgba(255,255,255,0.9);
  stroke: rgba(255,255,255,0.9);
}

/* RESPONSIVE */
@media (max-width: 1024px) {
  .loan-cards { grid-template-columns: repeat(2, 1fr); }
  .features { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav { display: none; }
  .hamburger { display: block; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 34px; }
  .calc-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .testimonials { grid-template-columns: 1fr; }
  .loan-cards { grid-template-columns: 1fr; }
  .features { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .steps { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); }
  .section-header h2 { font-size: 28px; }
  .cta-banner h2 { font-size: 26px; }
  .page-hero h1 { font-size: 28px; }
}

/* =============================================
   PERFORMANCE OPTIMISATIONS
   ============================================= */

/* Defer paint of below-fold sections — boosts LCP & TTI */
.trust-strip,
.section,
.section-alt,
.cta-banner,
.seo-areas,
.blog-grid,
.faq-section,
.page-hero ~ * {
  content-visibility: auto;
  contain-intrinsic-size: 0 400px;
}

/* Prevent layout shift from images before they load */
img {
  aspect-ratio: attr(width) / attr(height);
}