@import url('https://fonts.googleapis.com/css2?family=Fraunces:wght@400;600;700&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  --ink:#12151d;
  --ink-2:#1b2130;
  --orange:#ff5a2b;
  --orange-dark:#e04a1e;
  --cream:#faf7f2;
  --paper:#ffffff;
  --text:#1c1e26;
  --muted:#6b7280;
  --border:#e8e3da;
}
*{box-sizing:border-box; margin:0; padding:0;}
body{
  font-family:'Inter', sans-serif;
  color:var(--text);
  background:var(--paper);
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{ font-family:'Fraunces', serif; font-weight:600; line-height:1.1; }
a{ text-decoration:none; color:inherit; }
img{ max-width:100%; display:block; }
.wrap{ max-width:1180px; margin:0 auto; padding:0 32px; }
button{ font-family:inherit; cursor:pointer; border:none; }
ul{ list-style:none; }

/* NAV */
nav{ background:var(--ink); color:#fff; position:sticky; top:0; z-index:50; }
.nav-inner{
  display:flex; align-items:center; justify-content:space-between;
  max-width:1180px; margin:0 auto; padding:0 32px; height:78px;
}
.logo{ font-family:'Fraunces', serif; font-weight:700; font-size:22px; letter-spacing:0.3px; }
.logo span{ color:var(--orange); }
.nav-links{ display:flex; gap:34px; font-size:15px; font-weight:500; }
.nav-links a{ opacity:0.82; transition:opacity .15s; }
.nav-links a.active, .nav-links a:hover{ opacity:1; color:var(--orange); }
.nav-right{ display:flex; align-items:center; gap:0; }
.nav-call{ display:flex; align-items:center; gap:10px; padding-right:26px; font-size:14px; }
.nav-call .ico{
  width:34px; height:34px; border-radius:50%; background:var(--orange);
  display:flex; align-items:center; justify-content:center; font-size:15px;
}
.nav-cta{
  background:var(--orange); color:#fff; font-weight:700; font-size:14.5px;
  padding:0 26px; height:78px; display:flex; align-items:center; white-space:nowrap;
  transition:background .15s;
}
.nav-cta:hover{ background:var(--orange-dark); }
.nav-toggle{ display:none; background:none; color:#fff; font-size:24px; }

/* PAGE HEADER (inner pages) */
.page-header{
  background:
    radial-gradient(900px 500px at 80% -20%, rgba(255,90,43,0.18), transparent 60%),
    linear-gradient(120deg, #0e1119 0%, #1a2030 55%, #202a3d 100%);
  color:#fff; padding:64px 0 56px;
}
.page-header .kicker{ color:var(--orange); font-weight:600; font-size:14px; margin-bottom:14px; display:block; }
.page-header h1{ font-size:42px; color:#fff; margin-bottom:14px; }
.page-header p{ color:#c4c9d6; font-size:16px; max-width:560px; }
.crumbs{ font-size:13px; color:#9aa1b4; margin-bottom:18px; }
.crumbs a{ color:#c4c9d6; }
.crumbs a:hover{ color:var(--orange); }

/* HERO (home) */
.hero{
  position:relative;
  background:
    radial-gradient(1100px 600px at 78% -10%, rgba(255,90,43,0.18), transparent 60%),
    linear-gradient(120deg, #0e1119 0%, #1a2030 55%, #202a3d 100%);
  color:#fff; overflow:hidden;
}
.hero-grid{
  max-width:1180px; margin:0 auto; padding:88px 32px 100px;
  display:grid; grid-template-columns:1.05fr 0.9fr; gap:60px; align-items:center;
  position:relative; z-index:2;
}
.hero-eyebrow{ display:inline-block; color:var(--orange); font-weight:600; font-size:14.5px; margin-bottom:18px; }
.hero h1{ font-size:52px; color:#fff; margin-bottom:22px; }
.hero p{ font-size:16.5px; color:#c4c9d6; max-width:460px; margin-bottom:34px; }
.btn-outline{
  display:inline-flex; align-items:center; gap:10px;
  background:transparent; border:1.5px solid rgba(255,255,255,0.35);
  color:#fff; font-weight:600; font-size:15px; padding:15px 30px; border-radius:34px;
  transition:border-color .15s, background .15s;
}
.btn-outline:hover{ border-color:#fff; background:rgba(255,255,255,0.06); }
.hero-stats{ display:flex; gap:38px; margin-top:46px; flex-wrap:wrap; }
.hero-stats b{ display:block; font-family:'Fraunces', serif; font-size:26px; color:#fff; }
.hero-stats span{ font-size:13px; color:#9aa1b4; }

/* LEAD CARD */
.lead-card{
  background:var(--ink-2); border:1px solid rgba(255,255,255,0.08); border-radius:14px;
  padding:38px; box-shadow:0 30px 70px -20px rgba(0,0,0,0.55);
}
.lead-card h3{ color:#fff; font-size:21px; margin-bottom:6px; }
.lead-card .sub{ color:#9aa1b4; font-size:13.5px; margin-bottom:24px; }
.field{
  width:100%; background:#fff; border:none; border-radius:8px;
  padding:15px 16px; font-size:14.5px; font-family:inherit; margin-bottom:14px; color:var(--text);
}
.field::placeholder{ color:#8a8f9c; }
textarea.field{ resize:vertical; min-height:110px; }
select.field{ appearance:none; }
.lead-note{ font-size:12.5px; color:#7d8496; margin:14px 0 22px; line-height:1.6; }
.btn-solid{
  width:100%; background:var(--orange); color:#fff; font-weight:700; font-size:15px;
  padding:16px; border-radius:8px; letter-spacing:0.2px; transition:background .15s;
}
.btn-solid:hover{ background:var(--orange-dark); }
.btn-solid.inline{ width:auto; padding:15px 30px; border-radius:34px; }

/* TRUST STRIP */
.trust{ background:var(--cream); border-bottom:1px solid var(--border); padding:22px 0; }
.trust-inner{
  max-width:1180px; margin:0 auto; padding:0 32px;
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:16px;
}
.trust-item{ display:flex; align-items:center; gap:10px; font-size:13.5px; color:var(--muted); font-weight:500; }
.trust-item b{ color:var(--text); }

/* SECTION HEADER */
.section{ padding:96px 0; }
.section.tight{ padding:64px 0; }
.section-head{ max-width:600px; margin-bottom:56px; }
.section-head.center{ max-width:640px; margin-left:auto; margin-right:auto; text-align:center; }
.section-head .kicker{ color:var(--orange); font-weight:600; font-size:14px; margin-bottom:12px; display:block; }
.section-head h2{ font-size:36px; color:var(--text); margin-bottom:14px; }
.section-head p{ color:var(--muted); font-size:15.5px; }

/* WHY CHOOSE / FEATURES */
.features{ display:grid; grid-template-columns:repeat(3,1fr); gap:2px; background:var(--border); border:1px solid var(--border); }
.feature{ background:#fff; padding:38px 32px; }
.feature .num{ font-family:'Fraunces',serif; font-size:14px; color:var(--orange); font-weight:600; margin-bottom:18px; display:block;}
.feature h4{ font-family:'Fraunces', serif; font-size:19px; margin-bottom:10px; font-weight:600; }
.feature p{ font-size:14px; color:var(--muted); line-height:1.65; }

/* LOAN PRODUCTS */
.products{ background:var(--cream); }
.product-row{
  display:grid; grid-template-columns:1fr 1fr; gap:70px; align-items:center;
  padding:56px 0; border-bottom:1px solid var(--border);
}
.product-row:last-child{ border-bottom:none; }
.product-row.reverse .p-visual{ order:2; }
.product-row.reverse .p-text{ order:1; }
.p-tag{ display:inline-block; background:#fff; border:1px solid var(--border); color:var(--muted); font-size:12.5px; font-weight:600; padding:5px 12px; border-radius:20px; margin-bottom:16px; }
.p-text h3{ font-size:27px; margin-bottom:12px; }
.p-text p{ color:var(--muted); font-size:15px; margin-bottom:20px; max-width:420px; }
.p-meta{ display:flex; gap:32px; flex-wrap:wrap; }
.p-meta div b{ display:block; font-family:'Fraunces', serif; font-size:20px; }
.p-meta div span{ font-size:12.5px; color:var(--muted); }
.p-link{ display:inline-flex; align-items:center; gap:8px; margin-top:24px; font-weight:700; color:var(--ink); font-size:14.5px; border-bottom:2px solid var(--orange); padding-bottom:3px; }
.p-visual{
  height:260px; border-radius:12px; background:linear-gradient(150deg, var(--ink) 0%, var(--ink-2) 100%);
  position:relative; overflow:hidden; display:flex; align-items:flex-end; padding:26px;
}
.p-illustration{
  position:absolute; right:6px; bottom:-6px; width:190px; height:auto; z-index:0; pointer-events:none;
}
.p-visual::after{
  content:''; position:absolute; inset:0; z-index:1;
  background:linear-gradient(180deg, rgba(18,21,29,0.15) 0%, rgba(18,21,29,0.75) 100%);
}
.p-visual .amt{ color:#fff; font-family:'Fraunces', serif; font-size:30px; position:relative; z-index:2; }
.p-visual .amt small{ display:block; color:#e4e7ee; font-family:'Inter'; font-size:12.5px; font-weight:500; margin-bottom:6px; }
.p-visual::before{
  content:''; position:absolute; width:220px; height:220px; border-radius:50%;
  background:radial-gradient(circle, rgba(255,90,43,0.35), transparent 70%); top:-60px; right:-60px; z-index:1;
}

/* PROCESS */
.process-row{ display:flex; gap:0; flex-wrap:wrap; }
.step{ flex:1; min-width:180px; position:relative; padding-right:28px; margin-bottom:24px; }
.step:not(:last-child)::after{
  content:''; position:absolute; top:22px; right:0; width:100%; height:1px;
  background:repeating-linear-gradient(90deg, var(--border) 0 6px, transparent 6px 12px);
}
.step .step-num{
  width:44px; height:44px; border-radius:50%; border:1.5px solid var(--ink);
  display:flex; align-items:center; justify-content:center;
  font-family:'Fraunces', serif; font-weight:600; font-size:16px; margin-bottom:22px;
  background:#fff; position:relative; z-index:2;
}
.step h4{ font-family:'Fraunces', serif; font-size:18px; margin-bottom:8px; }
.step p{ font-size:13.5px; color:var(--muted); line-height:1.6; max-width:220px; }

/* TESTIMONIALS */
.testimonials{ background:var(--ink); color:#fff; }
.t-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:rgba(255,255,255,0.1); border:1px solid rgba(255,255,255,0.1); }
.t-card{ background:var(--ink); padding:34px; }
.t-card .quote{ font-size:15px; color:#dde0e8; line-height:1.7; margin-bottom:24px; }
.t-card .who{ display:flex; align-items:center; gap:12px; }
.t-avatar{ width:38px; height:38px; border-radius:50%; background:var(--orange); display:flex; align-items:center; justify-content:center; font-family:'Fraunces',serif; font-weight:600; font-size:14px;}
.t-name{ font-weight:600; font-size:14px; }
.t-role{ font-size:12.5px; color:#9aa1b4; }

/* TEAM / ABOUT */
.team-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:28px; }
.team-card{ text-align:left; }
.team-photo{
  height:190px; border-radius:10px; background:linear-gradient(150deg, var(--ink) 0%, var(--ink-2) 100%);
  margin-bottom:16px; display:flex; align-items:center; justify-content:center;
  font-family:'Fraunces', serif; font-size:34px; color:var(--orange); font-weight:600;
}
.team-card h5{ font-family:'Fraunces', serif; font-size:16px; margin-bottom:3px; }
.team-card span{ font-size:13px; color:var(--muted); }

.value-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:2px; background:var(--border); border:1px solid var(--border); }
.value-card{ background:#fff; padding:34px; }
.value-card h4{ font-family:'Fraunces', serif; font-size:18px; margin-bottom:10px; }
.value-card p{ font-size:14px; color:var(--muted); line-height:1.65; }

.stat-band{ background:var(--ink); color:#fff; }
.stat-grid{ display:grid; grid-template-columns:repeat(4,1fr); text-align:center; }
.stat-grid b{ display:block; font-family:'Fraunces', serif; font-size:38px; color:var(--orange); margin-bottom:8px; }
.stat-grid span{ font-size:13.5px; color:#9aa1b4; }

/* NEWS */
.news-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:30px; }
.news-card{ border:1px solid var(--border); border-radius:12px; overflow:hidden; transition:box-shadow .15s; }
.news-card:hover{ box-shadow:0 20px 40px -20px rgba(18,21,29,0.2); }
.news-thumb{
  height:170px; background:linear-gradient(150deg, var(--ink) 0%, var(--ink-2) 100%);
  display:flex; align-items:center; justify-content:center; position:relative;
}
.news-thumb span{ background:var(--orange); color:#fff; font-size:11.5px; font-weight:700; padding:5px 12px; border-radius:20px; position:absolute; top:16px; left:16px; }
.news-body{ padding:24px; }
.news-date{ font-size:12.5px; color:var(--muted); margin-bottom:10px; }
.news-body h4{ font-family:'Fraunces', serif; font-size:18px; margin-bottom:10px; line-height:1.3; }
.news-body p{ font-size:13.5px; color:var(--muted); line-height:1.6; margin-bottom:14px; }
.news-read{ font-size:13px; font-weight:700; color:var(--ink); border-bottom:2px solid var(--orange); padding-bottom:2px; }

/* CONTACT */
.contact-grid{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:start; }
.contact-info-card{ display:flex; gap:16px; padding:22px 0; border-bottom:1px solid var(--border); }
.contact-info-card:last-child{ border-bottom:none; }
.ci-icon{
  width:44px; height:44px; border-radius:10px; background:var(--cream); border:1px solid var(--border);
  display:flex; align-items:center; justify-content:center; font-size:18px; flex-shrink:0;
}
.contact-info-card h5{ font-family:'Fraunces', serif; font-size:16px; margin-bottom:4px; }
.contact-info-card p{ font-size:13.5px; color:var(--muted); line-height:1.6; }
.map-block{
  height:220px; border-radius:12px; margin-top:26px; overflow:hidden;
  background:#1a2030;
}
.map-block iframe{ display:block; }
.contact-form-card{ background:var(--cream); border:1px solid var(--border); border-radius:14px; padding:38px; }
.form-row-2{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.form-row-2 .field{ margin-bottom:0; }
.contact-form-card .field{ background:#fff; border:1px solid var(--border); margin-bottom:14px; }

/* FAQ */
.faq-item{ border-bottom:1px solid var(--border); padding:22px 0; }
.faq-item h4{ font-family:'Fraunces', serif; font-size:17px; margin-bottom:8px; font-weight:600; }
.faq-item p{ font-size:14px; color:var(--muted); line-height:1.65; max-width:640px; }

/* CTA BAND */
.cta-band{ background:var(--orange); color:#fff; padding:60px 0; }
.cta-inner{ display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:24px; }
.cta-inner h3{ font-size:28px; color:#fff; max-width:480px; }
.btn-dark{ background:var(--ink); color:#fff; font-weight:700; font-size:15px; padding:16px 32px; border-radius:34px; white-space:nowrap; }

/* FOOTER */
footer{ background:var(--ink); color:#c4c9d6; padding:70px 0 30px; }
.foot-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:50px; border-bottom:1px solid rgba(255,255,255,0.08); }
.foot-logo{ font-family:'Fraunces', serif; font-weight:700; font-size:22px; color:#fff; margin-bottom:14px; }
.foot-logo span{ color:var(--orange); }
.foot-grid p{ font-size:13.5px; color:#8a8f9c; max-width:260px; line-height:1.7; }
.foot-col h5{ color:#fff; font-size:14px; margin-bottom:18px; font-weight:600; }
.foot-col a{ display:block; font-size:13.5px; color:#9aa1b4; margin-bottom:12px; transition:color .15s; }
.foot-col a:hover{ color:var(--orange); }
.foot-bottom{ display:flex; justify-content:space-between; padding-top:26px; font-size:12.5px; color:#6b7280; flex-wrap:wrap; gap:10px; }

/* SCROLL REVEAL */
.reveal{ opacity:0; transform:translateY(22px); transition:opacity .6s ease, transform .6s ease; }
.reveal.in-view{ opacity:1; transform:translateY(0); }

/* EMI CALCULATOR */
.emi-card{
  background:var(--ink-2); border:1px solid rgba(255,255,255,0.08); border-radius:16px;
  padding:40px; color:#fff; display:grid; grid-template-columns:1fr 1fr; gap:48px;
}
.emi-controls .emi-row{ margin-bottom:30px; }
.emi-controls label{ display:flex; justify-content:space-between; font-size:13.5px; color:#9aa1b4; margin-bottom:10px; }
.emi-controls label b{ color:#fff; font-family:'Fraunces', serif; font-size:16px; font-weight:600; }
.slider-track{ position:relative; height:6px; border-radius:6px; background:rgba(255,255,255,0.12); }
.slider-fill{ position:absolute; left:0; top:0; height:100%; border-radius:6px; background:var(--orange); width:0%; pointer-events:none; }
input[type="range"]{
  -webkit-appearance:none; appearance:none; width:100%; height:6px; background:transparent;
  position:relative; z-index:2; margin:0;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none; width:20px; height:20px; border-radius:50%;
  background:#fff; border:3px solid var(--orange); cursor:pointer; margin-top:-7px;
}
input[type="range"]::-moz-range-thumb{
  width:20px; height:20px; border-radius:50%; background:#fff; border:3px solid var(--orange); cursor:pointer;
}
input[type="range"]::-webkit-slider-runnable-track{ height:6px; background:transparent; }
.emi-output{ display:flex; flex-direction:column; justify-content:center; text-align:center; background:rgba(255,255,255,0.04); border-radius:12px; padding:30px; }
.emi-output .emi-label{ font-size:13px; color:#9aa1b4; margin-bottom:8px; }
.emi-output .emi-value{ font-family:'Fraunces', serif; font-size:44px; color:var(--orange); margin-bottom:26px; }
.emi-breakdown{ display:flex; justify-content:space-around; border-top:1px solid rgba(255,255,255,0.1); padding-top:22px; }
.emi-breakdown div span{ display:block; font-size:12px; color:#9aa1b4; margin-bottom:6px; }
.emi-breakdown div b{ font-family:'Fraunces', serif; font-size:18px; color:#fff; }

/* MOBILE NAV TOGGLE */
.nav-toggle{ display:none; }

/* MULTI-STEP FORM */
.step-dots{ display:flex; gap:0; margin-bottom:30px; }
.step-dot{
  flex:1; text-align:center; font-size:12px; font-weight:600; color:var(--muted);
  padding-bottom:12px; border-bottom:3px solid var(--border); position:relative;
}
.step-dot.active{ color:var(--orange); border-bottom-color:var(--orange); }
.step-dot.done{ color:var(--ink); border-bottom-color:var(--ink); }
.form-step{ display:none; }
.form-step.active{ display:block; animation:fadeIn .35s ease; }
@keyframes fadeIn{ from{ opacity:0; transform:translateY(8px);} to{ opacity:1; transform:translateY(0);} }
.step-actions{ display:flex; justify-content:space-between; gap:12px; margin-top:8px; }
.btn-ghost{
  background:transparent; border:1.5px solid var(--border); color:var(--text); font-weight:600;
  font-size:14.5px; padding:14px 26px; border-radius:8px; transition:border-color .15s;
}
.btn-ghost:hover{ border-color:var(--ink); }
.step-actions .btn-solid, .step-actions .btn-ghost{ width:auto; flex:1; }
.form-success{ display:none; text-align:center; padding:30px 0; }
.form-success .tick{
  width:60px; height:60px; border-radius:50%; background:var(--orange); color:#fff;
  display:flex; align-items:center; justify-content:center; font-size:26px; margin:0 auto 20px;
}
.form-success h4{ font-family:'Fraunces', serif; font-size:22px; margin-bottom:10px; }
.form-success p{ font-size:14px; color:var(--muted); }

@media (max-width: 880px){
  .nav-links{
    display:flex; flex-direction:column; gap:0; position:fixed; top:78px; left:0; right:0;
    background:var(--ink); max-height:0; overflow:hidden; transition:max-height .3s ease;
    padding:0 32px; z-index:49;
  }
  .nav-links.open{ max-height:320px; padding:16px 32px 24px; }
  .nav-links a{ padding:12px 0; border-bottom:1px solid rgba(255,255,255,0.08); }
  .nav-toggle{ display:block; }
  .nav-call{ display:none; }
  .emi-card{ grid-template-columns:1fr; gap:30px; padding:28px; }
  .emi-breakdown{ flex-direction:column; gap:16px; text-align:left; }
  .hero-grid{ grid-template-columns:1fr; padding:56px 24px 70px; }
  .hero h1, .page-header h1{ font-size:34px; }
  .hero-stats{ flex-wrap:wrap; }
  .features, .value-grid, .news-grid{ grid-template-columns:1fr; }
  .team-grid{ grid-template-columns:1fr 1fr; }
  .stat-grid{ grid-template-columns:1fr 1fr; row-gap:26px; padding:20px 0; }
  .product-row, .product-row.reverse{ grid-template-columns:1fr; }
  .product-row.reverse .p-visual, .product-row.reverse .p-text{ order:initial; }
  .process-row{ flex-direction:column; gap:32px; }
  .step:not(:last-child)::after{ display:none; }
  .t-grid{ grid-template-columns:1fr; }
  .foot-grid{ grid-template-columns:1fr 1fr; }
  .cta-inner{ flex-direction:column; align-items:flex-start; }
  .contact-grid{ grid-template-columns:1fr; gap:40px; }
  .form-row-2{ grid-template-columns:1fr; }
}