@charset "utf-8";
/* ==========================================================================
   ProsVelop India Pvt Ltd — Stylesheet
   --------------------------------------------------------------------------
   1.  Design tokens              12. EMI calculator
   2.  Reset & base               13. Directors
   3.  Typography                 14. Call to action
   4.  Layout primitives          15. Trust counters
   5.  Buttons                    16. Testimonials
   6.  Header & navigation        17. Lender network
   7.  Hero slider                18. Footer
   8.  Services                   19. Modal
   9.  Feature strip              20. Utilities & accessibility
   10. About / Why us             21. Responsive — width breakpoints
   11. Quick apply                22. Responsive — device capability & posture

   NOTE: in §21 the `max-width` blocks are ordered LARGEST FIRST, so that a
   narrower breakpoint always wins the cascade against a wider one.
   ========================================================================== */


/* ==========================================================================
   1. DESIGN TOKENS
   ========================================================================== */

:root {
  /* Brand */
  --green:        #0b5d35;
  --green-dark:   #084b2b;
  --green-deep:   #063d25;
  --green-bright: #138447;
  --green-pale:   #b9e7c4;
  --green-tint:   #eef8f0;

  --gold:         #b98d2f;
  --gold-light:   #d8b75a;
  --gold-pale:    #ead39a;
  --gold-line:    #d5b968;

  --water:        #eef9ff;
  --water-soft:   #f1faff;
  --water-line:   #d9effa;

  /* Neutrals */
  --text:         #173326;
  --text-soft:    #53645a;
  --muted:        #66736d;
  --muted-light:  #7a857f;
  --ink-blue:     #45616d;
  --ink-soft:     #5c727c;
  --surface:      #ffffff;
  --surface-alt:  #f5f8f5;
  --surface-warm: #f7faf7;
  --border:       #e1e9e3;
  --border-water: #dcebe5;

  /* Fluid type scale — clamps from 320px to 1600px viewports */
  --fs-xs:    clamp(0.688rem, 0.66rem + 0.14vw, 0.75rem);
  --fs-sm:    clamp(0.75rem,  0.72rem + 0.16vw, 0.813rem);
  --fs-base:  clamp(0.875rem, 0.85rem + 0.16vw, 0.938rem);
  --fs-md:    clamp(0.938rem, 0.90rem + 0.23vw, 1.063rem);
  --fs-lg:    clamp(1rem,     0.95rem + 0.31vw, 1.125rem);
  --fs-h3:    clamp(1rem,     0.94rem + 0.31vw, 1.25rem);
  --fs-h2:    clamp(1.625rem, 1.28rem + 1.72vw, 2.5rem);
  --fs-h1:    clamp(1.875rem, 1.25rem + 3.13vw, 4.25rem);
  --fs-emi:   clamp(2rem,     1.42rem + 2.89vw, 3.25rem);
  --fs-count: clamp(1.875rem, 1.53rem + 1.72vw, 2.625rem);

  /* Spacing */
  --gutter:    clamp(1rem, 0.65rem + 1.72vw, 1.375rem);
  --section-y: clamp(3rem, 1.86rem + 5.7vw,  5.75rem);
  --gap:       clamp(0.625rem, 0.5rem + 0.63vw, 0.875rem);

  /* Structure */
  --wrap:      1180px;
  --header-h:  78px;
  --hero-h:    620px;
  --radius:    6px;
  --radius-lg: 12px;
  --tap:       44px;             /* WCAG 2.5.5 target size */

  /* Effects */
  --shadow-sm: 0 3px 12px rgba(20, 70, 50, .06);
  --shadow-md: 0 12px 30px rgba(15, 64, 38, .08);
  --shadow-lg: 0 25px 60px rgba(11, 93, 53, .18);
  --ring:      0 0 0 3px rgba(19, 132, 71, .35);
  --ease:      cubic-bezier(.4, 0, .2, 1);

  /* Safe areas (notches, punch-holes, gesture bars) */
  --safe-l: env(safe-area-inset-left, 0px);
  --safe-r: env(safe-area-inset-right, 0px);
  --safe-t: env(safe-area-inset-top, 0px);
  --safe-b: env(safe-area-inset-bottom, 0px);
}


/* ==========================================================================
   2. RESET & BASE
   ========================================================================== */

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

* { margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-padding-top: calc(var(--header-h) + 12px);
}

body {
  min-height: 100vh;
  min-height: 100dvh;
  font-family: "Segoe UI", Roboto, -apple-system, BlinkMacSystemFont, Arial, Helvetica, sans-serif;
  font-size: var(--fs-base);
  line-height: 1.6;
  color: var(--text);
  background: var(--surface);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body.is-locked { overflow: hidden; }

img,
svg,
video {
  display: block;
  max-width: 100%;
  height: auto;
}

a { color: inherit; text-decoration: none; }

button,
input,
select,
textarea { font: inherit; color: inherit; }

button { cursor: pointer; background: none; border: 0; }

ul { list-style: none; }

address { font-style: normal; }

:where(a, button, input, select, textarea, [tabindex]):focus-visible {
  outline: 2px solid var(--green-bright);
  outline-offset: 2px;
  border-radius: 3px;
}


/* ==========================================================================
   3. TYPOGRAPHY
   ========================================================================== */

h1, h2, h3 {
  font-weight: 800;
  line-height: 1.1;
  text-wrap: balance;
}

h1 { font-size: var(--fs-h1); line-height: 1.03; letter-spacing: -0.03em; }
h2 { font-size: var(--fs-h2); letter-spacing: -0.025em; }
h3 { font-size: var(--fs-h3); }

p { text-wrap: pretty; }

.eyebrow {
  margin-bottom: 0.75rem;
  font-size: var(--fs-xs);
  font-weight: 800;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--green-bright);
}

.muted { font-size: var(--fs-sm); color: var(--muted-light); }


/* ==========================================================================
   4. LAYOUT PRIMITIVES
   ========================================================================== */

.container {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: max(var(--gutter), var(--safe-l)) max(var(--gutter), var(--safe-r));
}

.section { 
  padding-block: var(--section-y); 
}

.section-head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-end;
  gap: clamp(0.75rem, 2vw, 1.875rem);
  margin-bottom: clamp(1.5rem, 3vw, 2.375rem);
}

.section-head > p:not(.eyebrow) {
  max-width: 42ch;
  font-size: var(--fs-base);
  color: var(--muted);
}

/* A heading on its own, with no explanatory column beside it */
.section-head--solo { display: block; }


/* ==========================================================================
   5. BUTTONS
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: var(--tap);
  padding: 0.75rem 1.25rem;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-size: var(--fs-base);
  font-weight: 800;
  text-align: center;
  cursor: pointer;
  transition: background-color .2s var(--ease), color .2s var(--ease),
              border-color .2s var(--ease), transform .12s var(--ease);
}

.btn:active { transform: translateY(1px); }

.btn--primary { background: var(--green); color: #fff; border-color: var(--green); }
.btn--outline { background: #fff; color: var(--green); border-color: var(--green); }
.btn--light   { background: var(--gold-pale); color: var(--text); border-color: var(--gold-line); }
.btn--block   { width: 100%; }

@media (hover: hover) {
  .btn--primary:hover { background: var(--green-dark); border-color: var(--green-dark); }
  .btn--outline:hover { background: var(--surface-alt); }
  .btn--light:hover   { background: #e3c77f; }
}


/* ==========================================================================
   6. HEADER & NAVIGATION
   ========================================================================== */

.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, .96);
  border-bottom: 1px solid var(--border);
  padding-top: var(--safe-t);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.header__inner {
  display: flex;
  align-items: center;
  gap: clamp(0.75rem, 2vw, 1.5rem);
  min-height: var(--header-h);
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: max(var(--gutter), var(--safe-l)) max(var(--gutter), var(--safe-r));
}

/* -- Brand: single horizontal lockup (emblem + wordmark) ------------------ */

.brand {
  display: flex;
  flex: 0 0 auto;
  align-items: center;
}

.brand__logo {
  width: clamp(150px, 22vw, 232px);
  height: auto;
}

/* -- Primary nav ---------------------------------------------------------- */

.nav {
  display: flex;
  align-items: center;
  gap: clamp(0.75rem, 1.6vw, 1.5rem);
  margin-left: auto;
}

.nav__link {
  display: inline-flex;
  align-items: center;
  font-size: var(--fs-sm);
  font-weight: 600;
  color: #294136;
  white-space: nowrap;
  transition: color .2s var(--ease);
}

@media (hover: hover) {
  .nav__link:hover { color: var(--green); }
}

.nav__link[aria-current="page"] { color: var(--green); }

/* -- Fixed social rail ----------------------------------------------------
   A vertical column of icons pinned to the right edge, vertically centred.
   Flush to the edge (rounded on the left only) so it reads as an attachment
   rather than an island floating over the page. A column costs almost no
   horizontal space, so every icon keeps a full 44px touch target.
   ------------------------------------------------------------------------ */

.social-rail {
  position: fixed;
  top: 50%;
  right: 0;
  z-index: 60;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.375rem;
  max-height: 84dvh;
  padding: 0.5rem;
  margin-right: var(--safe-r);
  border: 1px solid var(--water-line);
  border-right: 0;
  border-radius: var(--radius-lg) 0 0 var(--radius-lg);
  background: rgba(255, 255, 255, .94);
  box-shadow: -6px 0 22px rgba(15, 64, 38, .12);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  transform: translateY(-50%);
}

.social-rail__link {
  display: grid;
  place-items: center;
  width: var(--tap);
  height: var(--tap);
  padding: 11px;
  border-radius: 50%;
  background: var(--surface-alt);
  transition: transform .2s var(--ease), background-color .2s var(--ease);
}

.social-rail__link svg { width: 100%; height: 100%; }

/* Gentle staggered pulse so the rail catches the eye without nagging */
.social-rail__link { animation: social-pulse 2.4s var(--ease) infinite; }
.social-rail__link:nth-child(2) { animation-delay: .2s; }
.social-rail__link:nth-child(3) { animation-delay: .4s; }
.social-rail__link:nth-child(4) { animation-delay: .6s; }

@media (hover: hover) {
  .social-rail__link:hover {
    transform: translateX(-3px) scale(1.06);
    background: var(--green-tint);
  }
}

@keyframes social-pulse {
  0%, 100% { opacity: 1;   transform: scale(1); }
  50%      { opacity: .55; transform: scale(1.06); }
}

/* -- Menu toggle (mobile) ------------------------------------------------- */

.menu-toggle {
  display: none;
  place-items: center;
  width: var(--tap);
  height: var(--tap);
  margin-left: auto;
  border-radius: var(--radius);
  color: var(--green);
}

.menu-toggle__bar,
.menu-toggle__bar::before,
.menu-toggle__bar::after {
  position: relative;
  display: block;
  width: 22px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform .25s var(--ease), opacity .2s var(--ease);
}

.menu-toggle__bar::before,
.menu-toggle__bar::after {
  content: "";
  position: absolute;
}

.menu-toggle__bar::before { transform: translateY(-7px); }
.menu-toggle__bar::after  { transform: translateY(7px); }

.menu-toggle[aria-expanded="true"] .menu-toggle__bar         { background: transparent; }
.menu-toggle[aria-expanded="true"] .menu-toggle__bar::before { transform: rotate(45deg); }
.menu-toggle[aria-expanded="true"] .menu-toggle__bar::after  { transform: rotate(-45deg); }


/* ==========================================================================
   7. HERO SLIDER
   ========================================================================== */

.hero {
  position: relative;
  width: 100%;
  overflow: hidden;
  background: var(--water);
}

.slider {
  position: relative;
  width: 100%;
  height: clamp(430px, 62vh, var(--hero-h));
  overflow: hidden;
}

.slide {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  visibility: hidden;
  opacity: 0;
  background-color: var(--water);
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  transition: opacity .55s var(--ease), visibility .55s var(--ease);
}

.slide.is-active { visibility: visible; opacity: 1; z-index: 2; }

/* Light water/sky veil: the copy side stays almost white so dark text reads,
   the right side stays open so the photograph still shows through. */
.slide::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg,
              rgba(255, 255, 255, .96) 0%,
              rgba(233, 246, 253, .90) 42%,
              rgba(226, 243, 252, .55) 72%,
              rgba(226, 243, 252, .34) 100%);
}

.slide__inner {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding: clamp(1.5rem, 4vw, 2.5rem) max(var(--gutter), var(--safe-l));
  color: var(--text);
}

.slide__inner .eyebrow { color: var(--green-bright); }

.slide__inner h1 { max-width: 16ch; margin-bottom: 1rem; color: var(--text); }

.slide__inner p:not(.eyebrow) {
  max-width: 52ch;
  margin-bottom: 1.5rem;
  font-size: var(--fs-lg);
  color: #4a5f68;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

.slide .btn--primary { background: var(--green); border-color: var(--green); }
.slide .btn--outline { background: rgba(255, 255, 255, .85); color: var(--green); border-color: var(--green); }

/* -- Dots ----------------------------------------------------------------- */

.slider__dots {
  position: absolute;
  left: 50%;
  bottom: calc(1.25rem + var(--safe-b));
  z-index: 4;
  display: flex;
  gap: 0.5rem;
  transform: translateX(-50%);
}

.slider__dot {
  display: grid;
  place-items: center;
  width: var(--tap);
  height: var(--tap);
  border-radius: 50%;
}

.slider__dot::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: rgba(11, 93, 53, .30);
  transition: transform .3s var(--ease), background-color .3s var(--ease);
}

.slider__dot[aria-selected="true"]::before { background: var(--green); transform: scale(1.4); }


/* ==========================================================================
   8. SERVICES
   ========================================================================== */

.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: var(--gap);
}

.loan-card {
  background-color: var(--water) !important;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: clamp(1.125rem, 2.5vw, 1.5rem);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
  text-align: center;
  cursor: pointer;
  transition: transform .25s var(--ease), border-color .25s var(--ease),
              box-shadow .25s var(--ease);
}

@media (hover: hover) {
  .loan-card:hover {
    transform: translateY(-5px);
    border-color: #a8c9b3;
    box-shadow: var(--shadow-md);
  }
}

.loan-card__icon {
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  margin-bottom: 1rem;
  border-radius: 50%;
  background: linear-gradient(145deg, var(--gold-light), var(--gold));
  box-shadow: 0 5px 14px rgba(145, 112, 35, .18);
}

.loan-card__icon svg {
  width: 34px;
  height: 34px;
  fill: none;
  stroke: #fff;
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.loan-card h3 { margin-bottom: 0.5rem; }
.loan-card p  { flex: 1; font-size: var(--fs-sm); color: var(--muted); }

.loan-card__arrow {
  margin-top: 1.125rem;
  font-size: var(--fs-xs);
  font-weight: 800;
  color: var(--green);
}


/* ==========================================================================
   9. FEATURE STRIP
   ========================================================================== */

.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--gap);
}

.feature {
  padding: clamp(1.125rem, 2.5vw, 1.375rem);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
}

.feature__icon {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 0.875rem;
  border-radius: 50%;
  background: var(--green-tint);
  color: var(--green);
  font-size: 1.125rem;
  font-weight: 900;
}

.feature h3 { margin-bottom: 0.3rem; font-size: var(--fs-md); }
.feature p  { font-size: var(--fs-sm); color: var(--muted); }


/* ==========================================================================
   10. ABOUT / WHY US
   ========================================================================== */

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--surface-alt);
}

.split__panel { padding: var(--section-y) max(var(--gutter), calc((100vw - var(--wrap)) / 2)); }

.split__panel--about { padding-right: clamp(var(--gutter), 4vw, 4.375rem); }

.split__panel--why {
  background: #fff;
  padding-left: clamp(var(--gutter), 4vw, 4.375rem);
}

.split__panel h2 { margin-bottom: 1.5rem; }

.split__panel--about p:not(.eyebrow) {
  margin-bottom: 1.125rem;
  color: var(--text-soft);
}

.about-points {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: 0.625rem;
  margin-block: 1.375rem;
}

.about-points > div {
  padding: 0.8rem 0.5rem;
  border: 1px solid var(--border-water);
  border-radius: var(--radius-lg);
  background: #f4faf7;
  text-align: center;
}

.about-points b { display: block; font-size: var(--fs-h3); color: #17683f; }
.about-points span { display: block; margin-top: 4px; font-size: var(--fs-xs); color: #6b7d76; }

.about-usp__title {
  margin-bottom: 0.875rem;
  font-size: var(--fs-md);
  color: var(--text);
}

.about-usp {
  display: grid;
  gap: 0.75rem;
  margin-bottom: 1.375rem;
}

.about-usp li {
  position: relative;
  padding-left: 1.75rem;
  font-size: var(--fs-sm);
  line-height: 1.6;
  color: var(--text-soft);
}

.about-usp li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.42em;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: linear-gradient(145deg, var(--gold-light), var(--gold));
  box-shadow: 0 0 0 3px rgba(216, 183, 90, .18);
}

.about-usp strong { color: var(--text); }

.why-item {
  display: flex;
  gap: 1.125rem;
  padding-block: 1.375rem;
  border-bottom: 1px solid var(--border);
}

.why-item:last-child { border-bottom: 0; }
.why-item b  { flex: 0 0 auto; font-size: var(--fs-sm); color: var(--gold); }
.why-item h3 { font-size: var(--fs-md); }
.why-item p  { margin-top: 5px; font-size: var(--fs-sm); color: var(--muted); }


/* ==========================================================================
   11. QUICK APPLY
   ========================================================================== */

.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(1.25rem, 3vw, 1.563rem);
  padding: clamp(1.25rem, 3vw, 1.875rem);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface-alt);
}

.apply-copy { padding: clamp(0.5rem, 2vw, 1.25rem); }

.apply-copy p:not(.eyebrow) {
  margin-top: 0.75rem;
  font-size: var(--fs-base);
  color: var(--muted);
}

.apply-copy .btn { margin-top: 1.25rem; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.813rem; }

.form-grid input,
.form-grid select {
  width: 100%;
  min-height: var(--tap);
  padding: 0.75rem;
  border: 1px solid #ccd9d0;
  border-radius: var(--radius);
  background: #fff;
  font-size: 1rem;              /* 16px stops iOS Safari zooming on focus */
}

.form-grid input:focus,
.form-grid select:focus {
  border-color: var(--green);
  outline: none;
  box-shadow: var(--ring);
}

.form-grid .full { grid-column: 1 / -1; }


/* ==========================================================================
   12. EMI CALCULATOR
   ========================================================================== */

.calculator {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--surface-alt);
}

.calculator__inputs {
  display: grid;
  align-content: start;
  gap: 1.25rem;
  padding: clamp(1.25rem, 3vw, 2.188rem);
}

.calculator__inputs label { font-size: var(--fs-xs); font-weight: 800; color: #43534a; }

.calculator__inputs input {
  width: 100%;
  min-height: var(--tap);
  margin-top: 7px;
  padding: 0.75rem;
  border: 1px solid #ccd9d0;
  border-radius: var(--radius);
  background: #fff;
  font-size: 1rem;
}

.calculator__inputs input:focus {
  border-color: var(--green);
  outline: none;
  box-shadow: var(--ring);
}

.emi-result {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  padding: clamp(1.5rem, 4vw, 2.625rem);
  border-left: 1px solid var(--water-line);
  background: var(--water);
  color: var(--text);
}

.emi-result__label {
  font-size: var(--fs-xs);
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #536c78;
}

.emi-result__value {
  margin-block: 0.625rem;
  font-size: var(--fs-emi);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.emi-result__meta { margin-bottom: 1.563rem; font-size: var(--fs-sm); color: #536c78; }


/* ==========================================================================
   13. DIRECTORS
   ========================================================================== */

.directors {
  background:
    radial-gradient(circle at 15% 15%, rgba(255, 255, 255, .9), transparent 42%),
    linear-gradient(135deg, #f4fbff 0%, #eef8fb 55%, #fffaf0 100%);
  border-block: 1px solid var(--water-line);
}

.directors__head {
  max-width: 44ch;
  margin: 0 auto clamp(1.75rem, 4vw, 2.75rem);
  text-align: center;
}

.directors__intro {
  margin-top: 0.75rem;
  font-size: var(--fs-base);
  color: var(--muted);
}

.director-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(0.875rem, 2.5vw, 1.5rem);
  max-width: 720px;
  margin-inline: auto;
}

.director {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: clamp(1.75rem, 4vw, 2.5rem) clamp(1rem, 3vw, 1.75rem);
  overflow: hidden;
  border: 1px solid var(--border-water);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease),
              border-color .25s var(--ease);
}

/* Gold hairline that fills in on hover */
.director::before {
  content: "";
  position: absolute;
  inset: 0 auto auto 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-light), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s var(--ease);
}

@media (hover: hover) {
  .director:hover {
    transform: translateY(-5px);
    border-color: var(--gold-line);
    box-shadow: var(--shadow-md);
  }

  .director:hover::before { transform: scaleX(1); }
}

.director__avatar {
  display: grid;
  place-items: center;
  width: clamp(76px, 13vw, 96px);
  aspect-ratio: 1;
  margin-bottom: 1.125rem;
  padding: 18px;
  border-radius: 50%;
  background: linear-gradient(145deg, var(--gold-light), var(--gold));
  box-shadow: 0 6px 18px rgba(145, 112, 35, .22),
              0 0 0 6px rgba(216, 183, 90, .16);
  color: #fff;
}

.director__avatar--alt {
  background: linear-gradient(145deg, #2fa368, var(--green));
  box-shadow: 0 6px 18px rgba(11, 93, 53, .22),
              0 0 0 6px rgba(19, 132, 71, .14);
}

.director__avatar svg {
  width: 100%;
  height: 100%;
  fill: none;
  stroke: currentColor;
  stroke-width: 3.2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.director__name {
  font-size: var(--fs-h3);
  color: var(--text);
}

.director__role {
  margin-top: 0.3rem;
  font-size: var(--fs-xs);
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
}

/* Gold rule closes the card, echoing the divider in the logo wordmark */
.director__role::after {
  content: "";
  display: block;
  width: 34px;
  height: 2px;
  margin: 0.875rem auto 0;
  border-radius: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-light), transparent);
}




/* ==========================================================================
   14. CALL TO ACTION
   ========================================================================== */

.cta {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: clamp(1.25rem, 3vw, 2.188rem);
  padding: clamp(2.5rem, 6vw, 4.688rem) max(var(--gutter), calc((100vw - var(--wrap)) / 2));
  border-top: 1px solid var(--water-line);
  background: var(--water);
}

.cta .eyebrow { color: #6d9aaf; }
.cta h2       { margin-bottom: 0.625rem; }
.cta p        { color: #536c78; }

.cta__actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }


/* ==========================================================================
   15. TRUST COUNTERS
   ========================================================================== */

.trust {
  padding: clamp(2.25rem, 5vw, 3.25rem) var(--gutter);
  border-top: 1px solid #dcecf0;
  background: linear-gradient(135deg, #f2fbfe 0%, #e8f7fb 50%, #fffaf0 100%);
}

.trust__badge {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: clamp(1.25rem, 3vw, 2rem);
  font-size: var(--fs-xs);
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--green);
}

.trust__pulse {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--green-bright);
  box-shadow: 0 0 0 0 rgba(19, 132, 71, .55);
  animation: trust-pulse 2s ease-out infinite;
}

@keyframes trust-pulse {
  0%   { box-shadow: 0 0 0 0 rgba(19, 132, 71, .55); }
  70%  { box-shadow: 0 0 0 10px rgba(19, 132, 71, 0); }
  100% { box-shadow: 0 0 0 0 rgba(19, 132, 71, 0); }
}

.trust__inner {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: clamp(1.25rem, 4vw, 2.5rem);
  max-width: 1000px;
  margin-inline: auto;
  text-align: center;
}

.trust__item { min-width: 0; }

.trust__number {
  font-size: var(--fs-count);
  font-weight: 800;
  line-height: 1.1;
  color: var(--green);
  font-variant-numeric: tabular-nums;
}

.trust__label {
  margin-top: 0.5rem;
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #60757d;
}


/* ==========================================================================
   16. TESTIMONIALS
   ========================================================================== */

.testimonials { background: var(--surface-warm); }

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1rem;
}

.testimonial {
  padding: clamp(1.25rem, 3vw, 1.5rem);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
}

.testimonial {
  display: flex;
  flex-direction: column;
}

.testimonial p {
  flex: 1;
  font-size: var(--fs-sm);
  line-height: 1.65;
  color: var(--text-soft);
}

.testimonial__stars {
  display: flex;
  gap: 2px;
  margin-bottom: 0.75rem;
}

.testimonial__stars svg {
  width: 15px;
  height: 15px;
  fill: var(--gold-light);
}

.testimonial__meta {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-top: 1.125rem;
  padding-top: 0.875rem;
  border-top: 1px solid var(--border);
}

.testimonial__meta cite {
  font-size: var(--fs-sm);
  font-weight: 700;
  font-style: normal;
  color: var(--green);
}

.testimonial__meta span {
  font-size: var(--fs-xs);
  color: var(--muted);
}

.testimonials__note {
  max-width: 70ch;
  margin: clamp(1.25rem, 3vw, 1.75rem) auto 0;
  font-size: var(--fs-xs);
  line-height: 1.55;
  text-align: center;
  color: var(--muted-light);
}


/* ==========================================================================
   17. LENDER NETWORK
   ========================================================================== */

.lenders { text-align: center; }

.lenders__intro {
  max-width: 62ch;
  margin: 0.625rem auto 1.5rem;
  font-size: var(--fs-base);
  line-height: 1.6;
  color: var(--muted);
}

.lender-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: var(--gap);
  margin-inline: auto;
}

.lender {
  display: grid;
  place-items: center;
  min-height: 88px;
  padding: 0.875rem 0.75rem;
  border: 1px solid var(--border-water);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease),
              border-color .25s var(--ease);
}

/* Logos arrive in wildly different aspect ratios; a fixed box plus
   object-fit:contain makes them read as one evenly-weighted set. */
.lender img {
  width: 100%;
  max-width: 130px;
  height: 46px;
  object-fit: contain;
  object-position: center;
}

@media (hover: hover) {
  .lender:hover {
    transform: translateY(-3px);
    border-color: var(--gold-line);
    box-shadow: var(--shadow-md);
  }
}

.lenders__note {
  display: inline-block;
  margin: 1.375rem auto 0.5rem;
  padding: 0.563rem 1.125rem;
  border-radius: 22px;
  background: #e8f5ed;
  font-size: var(--fs-sm);
  color: #16683f;
}

.lenders__disclaimer {
  max-width: 90ch;
  margin: 0.75rem auto 0;
  font-size: var(--fs-xs);
  line-height: 1.5;
  color: #87928e;
}


/* ==========================================================================
   18. FOOTER
   ========================================================================== */

.footer {
  border-top: 1px solid #d7eef8;
  background: var(--water-soft);
  color: var(--ink-blue);
}

.footer__inner {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1fr 1.4fr;
  gap: clamp(1.75rem, 4vw, 3.5rem);
  max-width: var(--wrap);
  margin-inline: auto;
  padding: clamp(2.5rem, 5vw, 4rem)
           max(var(--gutter), var(--safe-r))
           clamp(2rem, 4vw, 3rem)
           max(var(--gutter), var(--safe-l));
}

/* -- Brand column --------------------------------------------------------- */

.footer__logo {
  width: clamp(170px, 20vw, 210px);
  height: auto;
  margin-bottom: 1.125rem;
}

.footer__tagline {
  max-width: 34ch;
  font-size: var(--fs-sm);
  line-height: 1.65;
  color: var(--ink-soft);
}

.footer__social { display: flex; gap: 0.625rem; margin-top: 1.375rem; }

.footer__social-link {
  display: grid;
  place-items: center;
  width: var(--tap);
  height: var(--tap);
  padding: 12px;
  border: 1px solid #cfe6f2;
  border-radius: 50%;
  background: #fff;
  color: var(--green);
  transition: background-color .2s var(--ease), color .2s var(--ease),
              border-color .2s var(--ease), transform .2s var(--ease);
}

.footer__social-link svg { width: 100%; height: 100%; }

@media (hover: hover) {
  .footer__social-link:hover {
    transform: translateY(-2px);
    border-color: var(--green);
    background: var(--green);
    color: #fff;
  }
}

/* -- Link columns --------------------------------------------------------- */

/* min-width:0 stops long link text from forcing the grid track wider */
.footer__col { min-width: 0; }

.footer__heading {
  margin-bottom: 1.125rem;
  font-size: var(--fs-sm);
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--green);
}

.footer__links { display: flex; flex-direction: column; gap: 0.125rem; }

.footer__links a {
  display: inline-flex;
  align-items: center;
  min-height: 2rem;
  font-size: var(--fs-sm);
  color: var(--ink-soft);
  transition: color .2s var(--ease), transform .2s var(--ease);
}

@media (hover: hover) {
  .footer__links a:hover { color: var(--green); transform: translateX(3px); }
}

/* -- Contact column ------------------------------------------------------- */

.footer__contact { display: flex; flex-direction: column; gap: 0.875rem; }

.footer__contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: var(--fs-sm);
  line-height: 1.55;
  color: var(--ink-soft);
  transition: color .2s var(--ease);
}

a.footer__contact-item { min-height: 2rem; align-items: center; }

@media (hover: hover) {
  a.footer__contact-item:hover { color: var(--green); }
}

.footer__icon {
  flex: 0 0 auto;
  width: 18px;
  height: 18px;
  margin-top: 2px;
  fill: none;
  stroke: var(--gold);
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

a.footer__contact-item .footer__icon { margin-top: 0; }

/* -- Bottom bar ----------------------------------------------------------- */

.footer__bottom { border-top: 1px solid #d7eaf3; }

.footer__bottom > * {
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: max(var(--gutter), var(--safe-l)) max(var(--gutter), var(--safe-r));
}

.footer__disclaimer {
  padding-top: 1.25rem;
  font-size: var(--fs-xs);
  line-height: 1.6;
  color: #7d8f97;
}

/* Copyright and build credit share the closing row, splitting apart on
   wide screens and stacking on narrow ones. */
.footer__legal {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 0.35rem 1.5rem;
  padding-block: 0.875rem calc(1.25rem + var(--safe-b));
}

.footer__copyright,
.footer__credit {
  font-size: var(--fs-xs);
  color: var(--ink-soft);
}

.footer__credit a {
  display: inline-flex;
  align-items: center;
  min-height: 1.75rem;
  font-weight: 700;
  color: var(--green);
  transition: color .2s var(--ease);
}

@media (hover: hover) {
  .footer__credit a:hover {
    color: var(--green-dark);
    text-decoration: underline;
    text-underline-offset: 3px;
  }
}


/* ==========================================================================
   19. MODAL
   ========================================================================== */

.modal {
  position: fixed;
  inset: 0;
  z-index: 100;
  display: none;
  align-items: center;
  justify-content: center;
  padding: max(1.25rem, var(--safe-t)) max(1.25rem, var(--safe-r))
           max(1.25rem, var(--safe-b)) max(1.25rem, var(--safe-l));
}

.modal.is-open { display: flex; }

.modal__backdrop { position: absolute; inset: 0; background: rgba(3, 24, 14, .65); }

.modal__box {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 590px;
  max-height: min(90vh, 90dvh);
  padding: clamp(1.5rem, 4vw, 2.625rem);
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 30px 80px rgba(0, 0, 0, .2);
}

.modal__close {
  position: absolute;
  top: 8px;
  right: 8px;
  display: grid;
  place-items: center;
  width: var(--tap);
  height: var(--tap);
  border-radius: 50%;
  font-size: 1.75rem;
  line-height: 1;
  color: #65736b;
}

@media (hover: hover) {
  .modal__close:hover { background: var(--surface-alt); }
}

.modal__box h2  { margin-bottom: 0.875rem; padding-right: 2rem; }
.modal__box > p { font-size: var(--fs-base); color: var(--muted); }
.modal__box h3  { margin: 1.75rem 0 0.625rem; font-size: var(--fs-md); }

.modal__box ul {
  padding-left: 1.25rem;
  list-style: disc;
  font-size: var(--fs-base);
  color: var(--text-soft);
}

.modal__note { margin-top: 1.25rem; font-size: var(--fs-xs); color: var(--muted-light); }

.modal__actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.563rem; }


/* ==========================================================================
   20. UTILITIES & ACCESSIBILITY
   ========================================================================== */

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip-path: inset(50%);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -100%;
  left: 0.5rem;
  z-index: 200;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius);
  background: var(--green);
  color: #fff;
  font-weight: 700;
}

.skip-link:focus { top: 0.5rem; }


/* ==========================================================================
   21. RESPONSIVE — WIDTH BREAKPOINTS
   --------------------------------------------------------------------------
   Mobile-first base above. `max-width` blocks run LARGEST → SMALLEST so the
   narrower breakpoint always wins; `min-width` blocks then run ascending.
   ========================================================================== */

/* -- ≤ 819px — phones, foldables and small tablets: nav becomes a drawer.
      Above this the seven links plus social icons no longer fit one row,
      so the horizontal bar only starts at 820px. --------------------------- */
@media (max-width: 819px) {
  :root { --header-h: 64px; }

  .menu-toggle { display: grid; }
  .brand__logo { width: clamp(150px, 40vw, 190px); }

  .nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    z-index: 49;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    max-height: 72dvh;
    margin-left: 0;
    padding: 0.5rem max(var(--gutter), var(--safe-l)) calc(1rem + var(--safe-b));
    overflow-y: auto;
    background: #fff;
    border-bottom: 1px solid var(--border);
    box-shadow: 0 18px 30px rgba(15, 64, 38, .10);
    transform: translateY(-8px);
    opacity: 0;
    visibility: hidden;
    transition: opacity .22s var(--ease), transform .22s var(--ease), visibility .22s var(--ease);
  }

  .nav.is-open { transform: translateY(0); opacity: 1; visibility: visible; }

  .nav__link {
    display: flex;
    align-items: center;
    min-height: var(--tap);
    padding-block: 0.25rem;
    border-bottom: 1px solid var(--border);
    font-size: var(--fs-md);
  }

  .nav__link:last-child { border-bottom: 0; }

  .split        { grid-template-columns: 1fr; }
  .split__panel { padding-inline: var(--gutter); }
  .apply-grid,
  .calculator   { grid-template-columns: 1fr; }
  .emi-result   { border-left: 0; border-top: 1px solid var(--water-line); }
  .cta          { justify-content: flex-start; }

  /* Footer: brand spans the row, the two link columns pair up, contact spans */
  .footer__inner        { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer__brand        { grid-column: 1 / -1; }
  .footer__col--contact { grid-column: 1 / -1; }
}

/* -- ≤ 599px — all phones ------------------------------------------------- */
@media (max-width: 599px) {
  .form-grid           { grid-template-columns: 1fr; }
  .form-grid .full     { grid-column: auto; }
  .lender-grid         { grid-template-columns: repeat(auto-fit, minmax(120px, 1fr)); }
  .lender img          { max-width: 104px; height: 40px; }
  .section-head        { display: block; }
  .section-head > p    { margin-top: 0.75rem; }
  .modal__actions .btn { flex: 1 1 100%; }
  .footer__inner       { grid-template-columns: 1fr; }
  .footer__tagline     { max-width: none; }
  .trust__inner        { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* -- ≤ 359px — flip covers, Fold outer screen, compact Androids ----------- */
@media (max-width: 359px) {
  :root { --gutter: 0.875rem; }

  .header__inner { gap: 0.5rem; }
  .brand__logo   { width: clamp(124px, 46vw, 150px); }

  .slider            { height: clamp(400px, 78vh, 520px); }
  .hero-actions      { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }

  .loan-grid,
  .feature-grid,
  .lender-grid,
  .testimonial-grid  { grid-template-columns: 1fr; }

  .about-points      { grid-template-columns: 1fr 1fr; }
  .director-grid     { grid-template-columns: 1fr; }
  .cta__actions .btn { flex: 1 1 100%; }
  .trust__inner      { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
  .footer__social    { flex-wrap: wrap; }
}

/* -- ≥ 820px — tablets portrait and up: nav is always visible ------------- */
@media (min-width: 820px) {
  .nav { visibility: visible; opacity: 1; }
}

/* -- 820px–1023px — tablets portrait, Fold unfolded landscape ------------- */
@media (min-width: 820px) and (max-width: 1023px) {
  .nav           { gap: 0.75rem; }
  .nav__link     { font-size: var(--fs-xs); }
  .brand__logo   { width: clamp(150px, 19vw, 180px); }
  .loan-grid     { grid-template-columns: repeat(3, 1fr); }
  .lender-grid   { grid-template-columns: repeat(4, 1fr); }
  .split__panel  { padding-inline: var(--gutter); }
  .footer__inner { grid-template-columns: 1.5fr 1fr 1.3fr; gap: 2rem; }
  .footer__brand { grid-column: 1 / -1; }
}

/* -- 1024px–1279px — tablet landscape, small laptops --------------------- */
@media (min-width: 1024px) and (max-width: 1279px) {
  .loan-grid   { grid-template-columns: repeat(3, 1fr); }
  .lender-grid { grid-template-columns: repeat(5, 1fr); }
}

/* -- ≥ 1280px — desktop --------------------------------------------------- */
@media (min-width: 1280px) {
  :root { --header-h: 92px; }

  .loan-grid    { grid-template-columns: repeat(6, 1fr); }
  .loan-card    { padding-inline: 1rem; }
  .loan-card h3 { font-size: 1.0625rem; }
  .lender-grid  { grid-template-columns: repeat(6, 1fr); }
  .feature-grid { grid-template-columns: repeat(3, 1fr); }
}

/* -- ≥ 1600px — large desktop & 4K --------------------------------------- */
@media (min-width: 1600px) {
  :root { --wrap: 1320px; --hero-h: 700px; }
}


/* ==========================================================================
   22. RESPONSIVE — DEVICE CAPABILITY & POSTURE
   ========================================================================== */

/* -- Short landscape: phones & flip phones turned sideways ---------------- */
@media (orientation: landscape) and (max-height: 560px) {
  :root { --header-h: 56px; --section-y: 2.5rem; }

  .slider          { height: clamp(320px, 100dvh - 56px, 480px); }
  .slide__inner    { padding-block: 1rem; }
  .slide__inner h1 { font-size: clamp(1.375rem, 4.2vw, 2.125rem); margin-bottom: 0.5rem; }
  .slide__inner p:not(.eyebrow) { margin-bottom: 0.875rem; font-size: var(--fs-base); }
  .brand__logo     { width: clamp(140px, 18vw, 172px); }
  .modal__box      { max-height: min(94vh, 94dvh); }

  /* Vertical room is scarce here, so the column tightens up */
  .social-rail       { gap: 0.2rem; padding: 0.3rem; }
  .social-rail__link { width: 34px; height: 34px; padding: 8px; }
}

/* -- Very short landscape: Flip opened sideways --------------------------- */
@media (orientation: landscape) and (max-height: 430px) {
  .slider       { height: calc(100dvh - var(--header-h)); min-height: 260px; }
  .slide__inner p:not(.eyebrow) { display: none; }
  .slider__dots { bottom: 0.5rem; }
}

/* -- Foldables opened flat: two side-by-side segments with a hinge --------
      Content is kept out of the seam, one panel per segment. -------------- */
@media (horizontal-viewport-segments: 2) {
  .split,
  .apply-grid,
  .calculator {
    grid-template-columns:
      calc(env(viewport-segment-right 0 0) - env(viewport-segment-left 0 0))
      1fr;
    column-gap: calc(env(viewport-segment-left 1 0) - env(viewport-segment-right 0 0));
  }

  .slide__inner {
    max-width: calc(env(viewport-segment-right 0 0) - env(viewport-segment-left 0 0));
    margin-inline: 0;
  }

  .footer__inner { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* -- Foldables in flex/laptop posture: stacked segments ------------------- */
@media (vertical-viewport-segments: 2) {
  .slider { height: calc(env(viewport-segment-bottom 0 0) - env(viewport-segment-top 0 0)); }

  .split,
  .apply-grid,
  .calculator { grid-template-columns: 1fr; }
}

/* -- Touch devices with a horizontal nav: trade gap for padding so short
      labels ("Home", "About") reach a full 44px target without widening
      the bar. -------------------------------------------------------------- */
@media (hover: none) and (min-width: 820px) {
  .nav       { gap: 0.25rem; }
  .nav__link { padding-inline: 0.375rem; }
}


/* -- Touch devices: no hover lift, larger targets ------------------------- */
@media (hover: none) {
  .loan-card:hover { transform: none; box-shadow: none; }

  .nav__link,
  .footer__links a,
  .footer__credit a { min-height: var(--tap); }

  /* `a.footer__contact-item` in §18 outranks a bare class selector here, so
     this override has to match its specificity. */
  a.footer__contact-item { min-height: var(--tap); }

  /* Stacked links hug their text; widen them to a full target. */
  .footer__links a { min-width: var(--tap); }

  .brand { min-height: var(--tap); }
}


/* -- Reduced motion ------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }

  *,
  *::before,
  *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }

  .social-rail__link { animation: none; opacity: 1; }
}

/* -- Increased contrast --------------------------------------------------- */
@media (prefers-contrast: more) {
  :root { --muted: #4a5651; --muted-light: #4a5651; --border: #b6c4bc; --ink-soft: #3f5761; }
  .slide::before { background: rgba(255, 255, 255, .94); }
}

/* -- Print ---------------------------------------------------------------- */
@media print {
  .header,
  .slider__dots,
  .social-rail,
  .footer__social,
  .menu-toggle,
  .modal,
  .cta__actions,
  .hero-actions,
  .skip-link { display: none !important; }

  body { color: #000; background: #fff; }

  .slider { height: auto; }

  .slide {
    position: static;
    visibility: visible;
    opacity: 1;
    background: none;
    color: #000;
  }

  .slide:not(:first-child) { display: none; }
  .slide::before           { display: none; }
  .slide__inner,
  .slide__inner h1,
  .slide__inner p          { color: #000; }

  .section       { padding-block: 1.5rem; break-inside: avoid; }
  .footer__inner { grid-template-columns: 1fr 1fr; }

  a[href^="http"]::after { content: " (" attr(href) ")"; font-size: 10px; }
}