/* ────────────────────────────────────────────────────────────────
   Finance Loan Website — global stylesheet
   Theme: vivid premium fintech (electric indigo + hot pink + warm amber)
   ──────────────────────────────────────────────────────────────── */

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

:root {
    /* Brand colours — Vivid Premium Fintech */
    --primary:        #4338ca;   /* electric indigo */
    --primary-dark:   #312e81;   /* deep indigo */
    --primary-mid:    #5b21b6;   /* violet bridge */
    --primary-light:  #eef2ff;   /* indigo-50 tint */
    --accent:         #ec4899;   /* hot pink — premium punch */
    --accent-dark:    #db2777;
    --accent-light:   #fce7f3;
    --secondary:      #8b5cf6;   /* mid-violet for gradients */
    --gold:           #fbbf24;   /* warm amber CTA */
    --gold-dark:      #f59e0b;
    --emerald:        #10b981;   /* success */
    --danger:         #e11d48;
    --warning:        #f59e0b;

    /* Neutrals */
    --text:           #1e1b4b;   /* indigo-tinted ink */
    --text-muted:     #6b7280;
    --text-soft:      #9ca3af;
    --border:         #e5e7eb;
    --border-strong:  #d1d5db;
    --bg:             #fafafa;
    --bg-card:        #ffffff;
    --bg-warm:        #fef3f8;   /* faint pink tint */
    --bg-dark:        #1e1b4b;

    /* Elevation — layered shadows tuned to indigo */
    --shadow-sm:    0 1px 2px rgba(30, 27, 75, 0.05);
    --shadow:       0 2px 6px rgba(30, 27, 75, 0.06), 0 1px 2px rgba(30, 27, 75, 0.04);
    --shadow-md:    0 8px 22px -6px rgba(30, 27, 75, 0.14), 0 2px 4px rgba(30, 27, 75, 0.05);
    --shadow-lg:    0 24px 56px -14px rgba(30, 27, 75, 0.22), 0 6px 14px rgba(30, 27, 75, 0.06);
    --shadow-pink:  0 8px 26px -6px rgba(236, 72, 153, 0.45);
    --shadow-violet:0 8px 26px -6px rgba(124, 58, 237, 0.45);
    --shadow-gold:  0 8px 26px -6px rgba(251, 191, 36, 0.5);

    /* Signature brand gradient — used on hero, CTAs, big stats */
    --grad-brand:  linear-gradient(135deg, #4338ca 0%, #7c3aed 50%, #ec4899 100%);
    --grad-warm:   linear-gradient(135deg, #fbbf24, #ec4899);
    --grad-cool:   linear-gradient(135deg, #4338ca, #06b6d4);

    /* Radii */
    --radius-xs: 4px;
    --radius-sm: 8px;
    --radius:    12px;
    --radius-lg: 18px;
    --radius-pill: 999px;

    --transition: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
}

html, body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI",
                 Roboto, Oxygen, Ubuntu, Cantarell, "Helvetica Neue", sans-serif;
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    font-size: 15px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    font-feature-settings: 'cv02', 'cv03', 'cv04', 'cv11';
}

a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent-dark); }
img { max-width: 100%; display: block; }

h1, h2, h3, h4, h5 {
    color: var(--text);
    line-height: 1.2;
    font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
    letter-spacing: -0.02em;
    font-weight: 700;
}
h1 { font-weight: 800; letter-spacing: -0.03em; }
p { color: var(--text-muted); }
strong, b { color: var(--text); font-weight: 600; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* HEADER */
.site-header {
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: saturate(180%) blur(12px);
    -webkit-backdrop-filter: saturate(180%) blur(12px);
    border-bottom: 1px solid var(--border);
    position: sticky; top: 0; z-index: 50;
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--text); }
.brand-mark {
    width: 38px; height: 38px; border-radius: 10px;
    background: var(--grad-brand);
    color: #fff; display: grid; place-items: center;
    font-size: 18px; font-weight: 700;
    box-shadow: 0 6px 14px -4px rgba(124, 58, 237, 0.5);
}
.brand-name { font-size: 18px; letter-spacing: -0.01em; }
.brand-logo { height: 38px; width: auto; max-width: 200px; object-fit: contain; }
.primary-nav { display: flex; gap: 4px; align-items: center; }
.primary-nav a {
    color: var(--text-muted); font-weight: 500; font-size: 14px;
    padding: 8px 14px; border-radius: var(--radius-sm);
    transition: all var(--transition);
}
.primary-nav a:hover { color: var(--primary); background: var(--primary-light); }
.nav-cta { display: flex; gap: 10px; align-items: center; }

/* BUTTONS — refined elevation + smoother interaction */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 11px 20px; border-radius: var(--radius-sm); font-weight: 600;
    cursor: pointer; border: 1px solid transparent;
    transition: all var(--transition);
    font-size: 14px; text-decoration: none; line-height: 1;
    font-family: inherit;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
    background: var(--grad-brand);
    background-size: 200% 200%;
    background-position: 0% 50%;
    color: #fff;
    box-shadow: 0 6px 16px -4px rgba(124, 58, 237, 0.45);
    transition: background-position 0.35s ease, box-shadow var(--transition), transform var(--transition);
}
.btn-primary:hover {
    background-position: 100% 50%;
    color: #fff;
    box-shadow: 0 10px 26px -6px rgba(236, 72, 153, 0.55);
}
.btn-gold {
    background: var(--gold); color: var(--primary);
    box-shadow: var(--shadow-gold);
}
.btn-gold:hover { background: var(--gold-dark); color: var(--primary); }
.btn-outline {
    background: #fff; color: var(--text);
    border: 1px solid var(--border-strong);
}
.btn-outline:hover { background: var(--bg); border-color: var(--primary); color: var(--primary); }
.btn-ghost { background: transparent; color: var(--text); }
.btn-ghost:hover { background: var(--primary-light); color: var(--primary); }
.btn-danger { background: var(--danger); color: #fff; }
.btn-success {
    background: var(--accent); color: #fff;
    box-shadow: var(--shadow-pink);
}
.btn-success:hover { background: var(--accent-dark); color: #fff; }
.btn-sm { padding: 8px 14px; font-size: 13px; }
.btn-block { display: flex; width: 100%; }
.btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }

/* Subtle entrance animations on the hero */
@keyframes fade-up {
    from { opacity: 0; transform: translateY(14px); }
    to   { opacity: 1; transform: translateY(0); }
}
.hero-finance > .container > .hero-grid-finance > div:first-child > * {
    animation: fade-up 0.55s cubic-bezier(0.16, 1, 0.3, 1) backwards;
}
.hero-finance .eyebrow      { animation-delay: 0.05s; }
.hero-finance h1            { animation-delay: 0.15s; }
.hero-finance .lead         { animation-delay: 0.25s; }
.hero-finance .nav-cta      { animation-delay: 0.35s; }
.hero-finance .hero-bullets-row { animation-delay: 0.45s; }
.emi-card { animation: fade-up 0.6s 0.30s cubic-bezier(0.16, 1, 0.3, 1) backwards; }

/* HERO */
.hero {
    background: linear-gradient(135deg, var(--primary) 0%, #6366f1 100%);
    color: #fff; padding: 80px 0;
}
.hero-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; }
.hero h1 { font-size: 48px; line-height: 1.1; margin-bottom: 18px; color: #fff; }
.hero p { font-size: 18px; opacity: 0.92; margin-bottom: 28px; }
.hero .btn-primary { background: #fff; color: var(--primary); }
.hero .btn-primary:hover { background: var(--primary-light); }
.hero-card {
    background: rgba(255,255,255,0.12);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255,255,255,0.25);
    border-radius: var(--radius);
    padding: 28px;
}
.hero-card h3 { color: #fff; margin-bottom: 12px; }
.hero-stat { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.18); }
.hero-stat:last-child { border-bottom: none; }
.hero-stat strong { font-size: 18px; }

/* SECTIONS */
.section { padding: 88px 0; }
.section-title {
    text-align: center;
    font-size: clamp(28px, 4vw, 40px);
    margin-bottom: 14px;
    letter-spacing: -0.02em;
}
.section-sub {
    text-align: center; color: var(--text-muted);
    margin-bottom: 48px; font-size: 17px;
    max-width: 640px; margin-left: auto; margin-right: auto;
}

.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card { background: #fff; padding: 28px; border-radius: var(--radius); box-shadow: var(--shadow); }
.feature-card h3 { margin-bottom: 8px; font-size: 18px; }
.feature-card p { color: var(--text-muted); font-size: 14px; }
.feature-icon {
    width: 44px; height: 44px; border-radius: 10px; background: var(--primary-light);
    color: var(--primary); display: grid; place-items: center; font-size: 22px; margin-bottom: 14px;
}

/* CARDS / TABLES */
.card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 24px; margin-bottom: 20px; }
.card h2 { margin-bottom: 16px; font-size: 20px; }
.table { width: 100%; border-collapse: collapse; }
.table th, .table td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--border); font-size: 14px; }
.table th { background: var(--bg); color: var(--text-muted); font-weight: 600; text-transform: uppercase; font-size: 12px; letter-spacing: 0.05em; }
.table tbody tr:hover { background: var(--bg); }

/* FORMS */
.form-group { margin-bottom: 18px; }
.form-group label { display: block; margin-bottom: 6px; font-weight: 500; font-size: 14px; }
.form-control {
    width: 100%; padding: 11px 14px; border: 1px solid var(--border);
    border-radius: var(--radius-sm); font-size: 14px; font-family: inherit;
    background: #fff; transition: border-color 0.15s, box-shadow 0.15s;
}
.form-control:focus {
    outline: none; border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(79, 70, 229, 0.15);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-help { font-size: 12px; color: var(--text-muted); margin-top: 4px; }
.form-error { color: var(--danger); font-size: 13px; margin-top: 4px; }
.alert { padding: 12px 16px; border-radius: var(--radius-sm); margin-bottom: 16px; font-size: 14px; }
.alert-error { background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; }
.alert-success { background: #f0fdf4; color: #14532d; border: 1px solid #bbf7d0; }

/* AUTH PAGE */
/* ───── Apply-form chrome — sticky progress + colored section headers ───── */
.apply-shell {
    background:
        radial-gradient(circle at 0% 0%, rgba(79, 70, 229, 0.06), transparent 40%),
        radial-gradient(circle at 100% 100%, rgba(236, 72, 153, 0.06), transparent 40%),
        var(--bg);
    min-height: 100vh;
}
.apply-shell .apply-topbar {
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border);
    padding: 14px 0;
    position: sticky; top: 0; z-index: 50;
}
.apply-shell .apply-topbar .container {
    display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.apply-shell .apply-topbar .brand { color: var(--text); }

/* The progress chips row */
.apply-progress {
    display: flex; gap: 8px; flex-wrap: wrap; justify-content: center;
    margin-bottom: 28px;
}
.apply-progress .step {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 7px 14px;
    background: #fff; border: 1px solid var(--border);
    border-radius: var(--radius-pill);
    font-size: 13px; font-weight: 600;
    color: var(--text-muted);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
    cursor: pointer;
}
.apply-progress .step:hover { color: var(--primary); border-color: var(--primary); }
.apply-progress .step .num {
    width: 22px; height: 22px; border-radius: 50%;
    background: var(--border); color: var(--text-muted);
    display: grid; place-items: center; font-size: 12px; font-weight: 700;
    flex-shrink: 0;
}
.apply-progress .step.done { background: rgba(16, 185, 129, 0.08); border-color: var(--emerald); color: var(--emerald-dark, #047857); }
.apply-progress .step.done .num { background: var(--emerald); color: #fff; }

/* Coloured section headers */
.apply-section {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    margin-bottom: 22px;
    overflow: hidden;
    scroll-margin-top: 80px;
}
.apply-section__head {
    --pc: 79 70 229;
    padding: 18px 24px;
    display: flex; align-items: center; gap: 14px;
    background: linear-gradient(135deg, rgba(var(--pc), 0.10), rgba(var(--pc), 0.04));
    border-bottom: 1px solid rgba(var(--pc), 0.18);
}
.apply-section__head .num {
    width: 36px; height: 36px; border-radius: var(--radius-sm);
    background: rgb(var(--pc));
    color: #fff;
    display: grid; place-items: center;
    font-weight: 800; font-size: 16px;
    flex-shrink: 0;
    box-shadow: 0 8px 18px -6px rgba(var(--pc), 0.5);
    font-family: 'Plus Jakarta Sans', sans-serif;
}
.apply-section__head h3 {
    color: var(--text); font-size: 17px; margin: 0;
    letter-spacing: -0.01em;
}
.apply-section__head .desc {
    color: var(--text-muted); font-size: 13px; margin: 0;
    flex: 1;
}
.apply-section__body { padding: 26px 28px; }

/* Per-section tones (matches loan-apply step colours) */
.apply-section.tone-violet  .apply-section__head { --pc: 139 92 246; }
.apply-section.tone-pink    .apply-section__head { --pc: 236 72 153; }
.apply-section.tone-amber   .apply-section__head { --pc: 245 158 11; }
.apply-section.tone-emerald .apply-section__head { --pc: 16 185 129; }
.apply-section.tone-cyan    .apply-section__head { --pc: 6 182 212; }

/* Reassurance card on the right */
.apply-summary {
    position: sticky; top: 88px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    padding: 24px;
}
.apply-summary h3 { font-size: 16px; margin-bottom: 14px; }
.apply-summary .sum-row {
    display: flex; gap: 10px; align-items: flex-start;
    padding: 10px 0; border-bottom: 1px dashed var(--border);
    font-size: 13px;
}
.apply-summary .sum-row:last-child { border-bottom: none; }
.apply-summary .sum-row .check {
    width: 20px; height: 20px; border-radius: 50%;
    background: var(--bg); color: var(--text-soft);
    display: grid; place-items: center; font-size: 11px;
    flex-shrink: 0;
}
.apply-summary .sum-row.done .check { background: var(--emerald); color: #fff; }
.apply-summary .sum-row.done .label { color: var(--text); font-weight: 600; }
.apply-summary .sum-row .label { color: var(--text-muted); flex: 1; }

/* Hero strip above the form */
.apply-hero {
    background:
        radial-gradient(circle at 20% 30%, rgba(236, 72, 153, 0.30), transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(251, 191, 36, 0.20), transparent 55%),
        linear-gradient(135deg, var(--primary-dark), var(--secondary));
    color: #fff;
    padding: 36px 0 28px;
    text-align: center;
    position: relative; overflow: hidden;
    margin-bottom: 28px;
}
.apply-hero::before {
    content: ''; position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255,255,255,0.07) 1px, transparent 1px);
    background-size: 22px 22px;
    pointer-events: none;
}
.apply-hero .container { position: relative; z-index: 1; }
.apply-hero h1 { color: #fff; font-size: clamp(24px, 3vw, 32px); margin-bottom: 6px; letter-spacing: -0.02em; }
.apply-hero p { color: #fce7f3; font-size: 15px; margin: 0; max-width: 520px; margin-left: auto; margin-right: auto; }

/* Layout: form + summary */
.apply-grid {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 28px;
}

@media (max-width: 960px) {
    .apply-grid { grid-template-columns: 1fr; gap: 16px; }
    .apply-summary { position: static; }
    /* On mobile the form is the priority — hide the summary sidebar entirely.
       The progress chips above already show which sections are filled. */
    .apply-grid > aside { display: none; }
    /* Compact the apply-hero so the form is in view immediately */
    .apply-hero { padding: 20px 0 16px; margin-bottom: 14px; }
    .apply-hero h1 { font-size: 20px; margin-bottom: 2px; }
    .apply-hero p { font-size: 13px; }
    /* Compact progress chips */
    .apply-progress { gap: 6px; margin-bottom: 16px; justify-content: flex-start;
                      overflow-x: auto; flex-wrap: nowrap; padding-bottom: 4px;
                      -webkit-overflow-scrolling: touch; }
    .apply-progress .step { padding: 6px 10px; font-size: 12px; flex-shrink: 0; }
    .apply-section { margin-bottom: 14px; }
    .apply-section__body { padding: 18px 16px; }
    .apply-section__head { padding: 14px 16px; gap: 12px; }
    .apply-section__head .num { width: 32px; height: 32px; font-size: 14px; }
    .apply-section__head h3 { font-size: 15px; }
    .apply-section__head .desc { font-size: 12px; }
}

/* AUTH — legacy centered card (kept as fallback) */
.auth-wrapper { min-height: 100vh; display: grid; place-items: center; padding: 24px; background: var(--bg); }
.auth-card { background: #fff; padding: 40px; border-radius: var(--radius); box-shadow: var(--shadow-md); width: 100%; max-width: 420px; }
.auth-card h1 { margin-bottom: 8px; font-size: 24px; }
.auth-card .muted { color: var(--text-muted); margin-bottom: 24px; }

/* ── Split-screen auth (login / apply gate) ── */
.auth-split {
    min-height: 100vh; display: grid;
    grid-template-columns: 1.05fr 1fr;
    background: var(--bg);
}
.auth-split__brand {
    position: relative;
    background:
        radial-gradient(circle at 12% 10%, rgba(236, 72, 153, 0.30), transparent 50%),
        radial-gradient(circle at 92% 88%, rgba(251, 191, 36, 0.22), transparent 50%),
        radial-gradient(circle at 75% 30%, rgba(139, 92, 246, 0.45), transparent 60%),
        linear-gradient(135deg, #1e1b4b 0%, #312e81 45%, #4338ca 100%);
    color: #fff;
    padding: 48px 56px;
    display: flex; flex-direction: column; justify-content: space-between;
    overflow: hidden;
}
.auth-split__brand::before {
    content: ''; position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.06) 1px, transparent 1px);
    background-size: 24px 24px;
    pointer-events: none;
}
.auth-split__brand > * { position: relative; z-index: 1; }

.auth-brand-head {
    display: flex; align-items: center; gap: 12px; color: #fff;
}
.auth-brand-head .brand-mark { box-shadow: 0 8px 22px -4px rgba(124, 58, 237, 0.6); }
.auth-brand-head .brand-name { color: #fff; font-size: 20px; letter-spacing: -0.01em; }

.auth-split__brand h2 {
    color: #fff;
    font-size: clamp(28px, 3vw, 38px);
    line-height: 1.15;
    letter-spacing: -0.025em;
    margin-bottom: 16px;
    max-width: 520px;
}
.auth-split__brand h2 em {
    font-style: normal;
    background: linear-gradient(135deg, #ffd166, var(--gold));
    -webkit-background-clip: text; background-clip: text;
    -webkit-text-fill-color: transparent;
}
.auth-split__brand .auth-lead {
    color: #e9d5ff;
    font-size: 16px; line-height: 1.6;
    max-width: 460px;
    margin-bottom: 28px;
}

.auth-benefits {
    list-style: none; padding: 0;
    display: flex; flex-direction: column; gap: 14px;
    margin-bottom: 28px;
}
.auth-benefits li {
    display: flex; gap: 12px; align-items: flex-start;
    color: #fce7f3; font-size: 14px;
}
.auth-benefits li::before {
    content: '✓'; flex-shrink: 0;
    width: 24px; height: 24px; border-radius: 50%;
    background: linear-gradient(135deg, var(--accent), var(--gold));
    color: #fff; display: grid; place-items: center;
    font-weight: 800; font-size: 13px;
    box-shadow: 0 4px 10px -2px rgba(236, 72, 153, 0.5);
}
.auth-benefits li strong { color: #fff; font-weight: 600; }

.auth-trust-row {
    display: flex; gap: 18px; flex-wrap: wrap;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding-top: 22px;
    color: #e9d5ff; font-size: 12px;
}
.auth-trust-row > div {
    display: inline-flex; align-items: center; gap: 6px;
}
.auth-trust-row strong { color: #fff; font-weight: 600; }

/* Form side */
.auth-split__form {
    display: flex; align-items: center; justify-content: center;
    padding: 56px 32px;
    background: var(--bg);
}
.auth-split__form .auth-form-card {
    background: #fff;
    padding: 44px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    width: 100%; max-width: 440px;
    border: 1px solid var(--border);
}
.auth-form-card .auth-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(79, 70, 229, 0.08);
    color: var(--primary);
    font-size: 12px; font-weight: 700; text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 6px 12px; border-radius: var(--radius-pill);
    margin-bottom: 18px;
}
.auth-form-card h1 {
    font-size: 28px; margin-bottom: 8px; letter-spacing: -0.02em;
}
.auth-form-card .muted { color: var(--text-muted); margin-bottom: 28px; font-size: 15px; }

.auth-form-card .form-control {
    height: 54px;
    font-size: 17px;
    letter-spacing: 0.02em;
    padding: 0 16px;
}
.auth-form-card .form-control:focus {
    transform: translateY(-1px);
    transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}
.auth-form-card .btn {
    height: 54px;
    font-size: 16px;
    margin-top: 6px;
}
.auth-form-card .auth-footnote {
    margin-top: 22px; text-align: center;
    color: var(--text-muted); font-size: 13px;
    padding-top: 22px; border-top: 1px dashed var(--border);
}
.auth-form-card .auth-footnote a { color: var(--primary); font-weight: 600; }

/* Animated entrance */
@keyframes auth-fade-in {
    from { opacity: 0; transform: translateY(12px); }
    to   { opacity: 1; transform: translateY(0); }
}
.auth-form-card { animation: auth-fade-in 0.5s cubic-bezier(0.16, 1, 0.3, 1) both; }
.auth-split__brand > * { animation: auth-fade-in 0.55s cubic-bezier(0.16, 1, 0.3, 1) both; }
.auth-split__brand .auth-brand-head  { animation-delay: 0.05s; }
.auth-split__brand h2                { animation-delay: 0.12s; }
.auth-split__brand .auth-lead        { animation-delay: 0.18s; }
.auth-split__brand .auth-benefits    { animation-delay: 0.24s; }
.auth-split__brand .auth-trust-row   { animation-delay: 0.32s; }

@media (max-width: 900px) {
    /* On mobile the FORM is what matters — show it first; the marketing
       brand panel slides below so users don't have to scroll past it. */
    .auth-split { grid-template-columns: 1fr; min-height: auto; }

    /* Form panel becomes a column with brand strip pinned to the top */
    .auth-split__form {
        order: 1;
        flex-direction: column;
        align-items: stretch;
        justify-content: flex-start;
        padding: 0 16px 24px;
    }
    .auth-split__brand { order: 2; padding: 32px 24px; text-align: left; }

    /* Brand strip at the very top — full-width white bar with logo */
    .auth-mobile-brand {
        display: flex !important;
        align-items: center;
        justify-content: center;
        gap: 10px;
        padding: 18px 16px 16px;
        margin: 0 -16px 18px;
        background: #fff;
        border-bottom: 1px solid var(--border);
        color: var(--text);
        box-shadow: 0 1px 0 var(--border);
        position: sticky; top: 0; z-index: 5;
    }
    .auth-mobile-brand .brand-mark { width: 36px; height: 36px; font-size: 18px; }
    .auth-mobile-brand .brand-name { font-size: 17px; font-weight: 700; letter-spacing: -0.01em; }
    .auth-mobile-brand .brand-logo { height: 36px; }

    .auth-split__form .auth-form-card {
        padding: 24px; box-shadow: var(--shadow);
        margin-left: auto; margin-right: auto;
    }
    .auth-form-card h1 { font-size: 22px; }
    .auth-form-card .muted { margin-bottom: 18px; font-size: 14px; }
    .auth-form-card .form-control { height: 50px; font-size: 16px; }
    .auth-form-card .btn { height: 50px; }

    /* Compact the brand panel — it becomes a "why us" footer */
    .auth-split__brand h2 { font-size: 22px; margin-bottom: 10px; }
    .auth-split__brand .auth-lead { font-size: 14px; margin-bottom: 16px; }
    .auth-split__brand .auth-benefits { gap: 10px; margin-bottom: 16px; }
    .auth-split__brand .auth-benefits li { font-size: 13px; }
    .auth-split__brand .auth-brand-head { display: none; }  /* logo already shown above the form */
    .auth-split__brand .auth-trust-row { padding-top: 12px; gap: 10px; font-size: 11px; }
}
.auth-mobile-brand { display: none; }  /* hidden on desktop */

/* PROGRESS BAR (5 steps) */
.steps { display: flex; gap: 0; margin-bottom: 32px; counter-reset: step; }
.step {
    flex: 1; padding: 14px 12px; text-align: center; position: relative;
    background: #fff; border: 1px solid var(--border); border-right: none;
    font-size: 13px; color: var(--text-muted);
}
.step:first-child { border-radius: var(--radius-sm) 0 0 var(--radius-sm); }
.step:last-child { border-right: 1px solid var(--border); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.step.active { background: var(--primary); color: #fff; border-color: var(--primary); font-weight: 600; }
.step.done { background: var(--accent); color: #fff; border-color: var(--accent); }
.step-num {
    display: inline-grid; place-items: center; width: 22px; height: 22px;
    border-radius: 50%; background: rgba(255,255,255,0.25); margin-right: 6px; font-weight: 700;
}
.step:not(.active):not(.done) .step-num { background: var(--bg); color: var(--text-muted); }

/* DASHBOARD LAYOUT */
.dashboard-body {
    background:
        radial-gradient(circle at 0% 0%, rgba(79, 70, 229, 0.04), transparent 30%),
        radial-gradient(circle at 100% 100%, rgba(236, 72, 153, 0.04), transparent 30%),
        #f1f5f9;  /* slightly deeper than --bg so banners pop */
}
.dashboard-sidebar {
    position: fixed; left: 0; top: 0; bottom: 0; width: 240px; background: #fff;
    border-right: 1px solid var(--border); padding: 24px; display: flex; flex-direction: column;
}
.dashboard-sidebar .brand { margin-bottom: 32px; }
.dashboard-sidebar nav { display: flex; flex-direction: column; gap: 4px; flex: 1; }
.dashboard-sidebar nav a {
    padding: 10px 14px; border-radius: var(--radius-sm); color: var(--text-muted);
    font-weight: 500; font-size: 14px;
}
.dashboard-sidebar nav a:hover { background: var(--bg); color: var(--text); }
.dashboard-sidebar nav a.active { background: var(--primary-light); color: var(--primary); }
.sidebar-footer { padding-top: 16px; border-top: 1px solid var(--border); }
.user-pill { padding: 10px 0; }
.user-pill strong { display: block; font-size: 14px; }
.user-pill small { color: var(--text-muted); }

.dashboard-content { margin-left: 240px; padding: 32px 40px; }
.dashboard-topbar { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.dashboard-topbar h1 { font-size: 24px; }

/* ── Dashboard page banner — rich coloured header for each tab ──
   Uses TWO solid stops (darker → lighter) per tone so white text
   always has 4.5:1+ contrast even on the brighter end. */
.page-banner {
    --bg-from:        #4338ca;
    --bg-to:          #7c3aed;
    --bg-deep-rgb:    79 70 229;
    background: linear-gradient(135deg, var(--bg-from) 0%, var(--bg-to) 100%);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 32px 36px;
    margin-bottom: 28px;
    position: relative;
    overflow: hidden;
    box-shadow:
        0 20px 40px -12px rgba(var(--bg-deep-rgb), 0.55),
        0 4px 8px rgba(24, 24, 27, 0.08);
}
.page-banner::before {
    /* decorative dots */
    content: ''; position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.18) 1px, transparent 1px);
    background-size: 22px 22px;
    pointer-events: none;
}
.page-banner::after {
    /* glow blob */
    content: ''; position: absolute; right: -60px; top: -60px;
    width: 260px; height: 260px; border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.28), transparent 65%);
    pointer-events: none;
}
.page-banner .banner-inner {
    position: relative; z-index: 1;
    display: flex; align-items: center; gap: 18px;
    justify-content: space-between; flex-wrap: wrap;
}
.page-banner .banner-icon {
    width: 64px; height: 64px; border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.22);
    border: 1px solid rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(8px);
    display: grid; place-items: center;
    font-size: 30px;
    flex-shrink: 0;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}
.page-banner .banner-text h1 {
    color: #fff;
    font-size: 28px;
    margin-bottom: 4px;
    letter-spacing: -0.02em;
    font-weight: 800;
    text-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
}
.page-banner .banner-text p {
    color: rgba(255, 255, 255, 0.95);
    margin: 0;
    font-size: 14px;
    text-shadow: 0 1px 1px rgba(0, 0, 0, 0.15);
}
.page-banner .banner-action { z-index: 1; }
.page-banner .banner-action .btn-primary {
    background: #fff;
    color: var(--bg-from);
    box-shadow: 0 8px 20px -4px rgba(0, 0, 0, 0.3);
    font-weight: 700;
}
.page-banner .banner-action .btn-primary:hover {
    background: rgba(255, 255, 255, 0.95);
    color: var(--bg-from);
    transform: translateY(-1px);
    box-shadow: 0 12px 24px -6px rgba(0, 0, 0, 0.35);
}

/* Per-tab gradients — two solid stops (deep → mid). Tested for white-text AA. */
.page-banner.tone-violet {                                                  /* Dashboard */
    --bg-from: #6d28d9; --bg-to: #a855f7; --bg-deep-rgb: 109 40 217;
}
.page-banner.tone-emerald {                                                 /* Wallet */
    --bg-from: #047857; --bg-to: #10b981; --bg-deep-rgb: 4 120 87;
}
.page-banner.tone-amber {                                                   /* Repayment — DARK amber for contrast */
    --bg-from: #b45309; --bg-to: #ea580c; --bg-deep-rgb: 180 83 9;
}
.page-banner.tone-pink {                                                    /* Profile */
    --bg-from: #be185d; --bg-to: #ec4899; --bg-deep-rgb: 190 24 93;
}
.page-banner.tone-cyan {                                                    /* Settings */
    --bg-from: #0e7490; --bg-to: #06b6d4; --bg-deep-rgb: 14 116 144;
}
.page-banner.tone-blue {                                                    /* Help */
    --bg-from: #1d4ed8; --bg-to: #3b82f6; --bg-deep-rgb: 29 78 216;
}

/* Hide the duplicate topbar h1 when a page-banner is present */
.dashboard-topbar:has(+ .page-banner) h1 { display: none; }
.dashboard-content:has(.page-banner) .dashboard-topbar { display: none; }

/* Per-tab sidebar accent for the active link */
.dashboard-sidebar nav a.active {
    background: linear-gradient(90deg, rgba(79,70,229,0.10), transparent);
    color: var(--primary);
    border-left: 3px solid var(--primary);
    padding-left: 11px;
    font-weight: 600;
}

.admin-sidebar .brand-mark { background: var(--text); }
.employee-sidebar .brand-mark { background: var(--accent); }

/* STAT CARDS */
.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 24px; }
.stat-card { background: #fff; padding: 20px; border-radius: var(--radius); box-shadow: var(--shadow); }
.stat-card .label { color: var(--text-muted); font-size: 13px; text-transform: uppercase; letter-spacing: 0.05em; }
.stat-card .value { font-size: 28px; font-weight: 700; margin-top: 6px; }
.stat-card.accent .value { color: var(--primary); }

/* BADGES */
.badge {
    display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 12px;
    font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em;
}
.badge-pending { background: #fef3c7; color: #92400e; }
.badge-under_review { background: #dbeafe; color: #1e40af; }
.badge-approved { background: #d1fae5; color: #065f46; }
.badge-rejected { background: #fee2e2; color: #991b1b; }
.badge-disbursed { background: #ede9fe; color: #5b21b6; }

/* ───── Public page hero — reused on About / Services / Contact ───── */
.page-hero {
    position: relative;
    background:
        radial-gradient(circle at 20% 20%, rgba(236, 72, 153, 0.18), transparent 50%),
        radial-gradient(circle at 80% 80%, rgba(251, 191, 36, 0.14), transparent 50%),
        linear-gradient(135deg, var(--primary-dark), var(--primary), var(--secondary));
    color: #fff;
    padding: 72px 0 90px;
    text-align: center;
    overflow: hidden;
}
.page-hero::before {
    content: ''; position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.06) 1px, transparent 1px);
    background-size: 28px 28px;
    pointer-events: none;
}
.page-hero::after {
    content: ''; position: absolute; left: 0; right: 0; bottom: -1px; height: 60px;
    background: var(--bg); clip-path: ellipse(85% 100% at 50% 100%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero .eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(236, 72, 153, 0.15);
    border: 1px solid rgba(236, 72, 153, 0.4);
    color: #fbcfe8;
    font-size: 13px; font-weight: 600;
    padding: 6px 16px; border-radius: var(--radius-pill);
    margin-bottom: 18px;
}
.page-hero h1 {
    color: #fff;
    font-size: clamp(30px, 4.5vw, 48px);
    letter-spacing: -0.025em;
    margin-bottom: 14px;
    line-height: 1.1;
}
.page-hero p.lead {
    color: #fce7f3;
    font-size: 17px;
    line-height: 1.65;
    max-width: 640px;
    margin: 0 auto;
}

/* Public page content card grid */
.feature-cards {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
}
.feature-cards .feature-card {
    background: #fff;
    padding: 28px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
}
.feature-cards .feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: rgba(var(--pc, 79 70 229), 0.45);
}
.feature-cards .feature-card .feature-icon {
    width: 52px; height: 52px; border-radius: var(--radius-sm);
    background: rgba(var(--pc, 79 70 229), 0.12);
    color: rgb(var(--pc, 79 70 229));
    display: grid; place-items: center; font-size: 24px;
    margin-bottom: 16px;
    border: 1px solid rgba(var(--pc, 79 70 229), 0.2);
    transition: all var(--transition);
}
.feature-cards .feature-card:hover .feature-icon {
    background: rgb(var(--pc, 79 70 229)); color: #fff;
    box-shadow: 0 10px 22px -6px rgba(var(--pc, 79 70 229), 0.5);
}
.feature-cards .feature-card h3 { margin-bottom: 6px; font-size: 18px; }
.feature-cards .feature-card p { color: var(--text-muted); font-size: 14px; }

/* Color tokens for the public-page feature cards */
.tone-violet  { --pc: 139 92 246; }
.tone-pink    { --pc: 236 72 153; }
.tone-amber   { --pc: 245 158 11; }
.tone-emerald { --pc: 16 185 129; }
.tone-blue    { --pc: 59 130 246; }
.tone-cyan    { --pc: 6 182 212; }
.tone-rose    { --pc: 244 63 94; }
.tone-orange  { --pc: 249 115 22; }
.tone-teal    { --pc: 20 184 166; }

/* Contact-info cards (Contact page) */
.contact-info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 28px; }
.contact-info-card {
    background: #fff;
    padding: 24px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
}
.contact-info-card:hover {
    transform: translateY(-3px); box-shadow: var(--shadow-md);
    border-color: rgb(var(--pc, 79 70 229));
}
.contact-info-card .icon {
    width: 44px; height: 44px; border-radius: var(--radius-sm);
    background: rgba(var(--pc, 79 70 229), 0.15);
    color: rgb(var(--pc, 79 70 229));
    display: grid; place-items: center; font-size: 22px;
    margin-bottom: 14px;
    border: 1px solid rgba(var(--pc, 79 70 229), 0.22);
}
.contact-info-card h4 { font-size: 14px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 6px; font-weight: 600; }
.contact-info-card p { color: var(--text); font-size: 16px; font-weight: 600; line-height: 1.5; }
.contact-info-card a { color: var(--primary); }
.contact-info-card a:hover { color: var(--accent); }

/* Mission / Values / Stats blocks for About page */
.value-stat {
    background: linear-gradient(135deg, rgba(79, 70, 229, 0.06), rgba(236, 72, 153, 0.06));
    padding: 32px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    text-align: center;
}
.value-stat .num {
    font-size: clamp(28px, 4vw, 40px);
    font-weight: 800;
    background: var(--grad-brand);
    -webkit-background-clip: text; background-clip: text;
    -webkit-text-fill-color: transparent;
    font-family: 'Plus Jakarta Sans', sans-serif;
    letter-spacing: -0.02em;
    line-height: 1;
}
.value-stat .label {
    color: var(--text-muted); font-size: 14px;
    margin-top: 8px; text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600;
}

/* Legal-page polish (still used by privacy / terms / etc.) */
.legal-page h2 { color: var(--primary); margin-top: 32px; margin-bottom: 14px; font-size: 22px; }
.legal-page h2:first-of-type { margin-top: 0; }
.legal-page p { color: var(--text-muted); margin-bottom: 14px; line-height: 1.7; }
.legal-page p strong { color: var(--text); }

@media (max-width: 900px) {
    .feature-cards { grid-template-columns: 1fr; }
    .contact-info-grid { grid-template-columns: 1fr; }
    .page-hero { padding: 56px 0 72px; }
}

/* FOOTER */
.site-footer {
    background: var(--primary-dark);
    color: #e9d5ff;
    padding: 72px 0 28px;
    margin-top: 80px;
    position: relative;
}
.site-footer::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
    background: linear-gradient(90deg, transparent, var(--accent), transparent);
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.site-footer h4 { color: #fff; margin-bottom: 12px; font-size: 20px; }
.site-footer h5 {
    color: #fff; margin-bottom: 16px; font-size: 13px;
    text-transform: uppercase; letter-spacing: 0.08em; font-weight: 600;
}
.site-footer p { color: #c4b5fd; line-height: 1.7; font-size: 14px; }
.site-footer a {
    color: #c4b5fd; display: block; padding: 6px 0; font-size: 14px;
    transition: color var(--transition);
}
.site-footer a:hover { color: var(--accent); }
.copyright {
    padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, 0.08);
    color: #c4b5fd; font-size: 13px; text-align: center;
}

/* LEGAL PAGES */
.legal-page { max-width: 820px; margin: 0 auto; padding: 56px 24px; }
.legal-page h1 { margin-bottom: 16px; }
.legal-page h2 { margin-top: 32px; margin-bottom: 12px; font-size: 20px; }
.legal-page p { margin-bottom: 14px; color: var(--text-muted); }

/* FAQ */
.faq-item { background: #fff; border-radius: var(--radius); margin-bottom: 12px; padding: 18px 24px; box-shadow: var(--shadow); }
.faq-item summary { cursor: pointer; font-weight: 600; }
.faq-item p { color: var(--text-muted); margin-top: 8px; }

/* FILTER BAR */
.filter-bar { display:flex; gap:10px; flex-wrap:wrap; align-items:center; }
.filter-bar .form-control { padding: 8px 12px; font-size: 13px; }

/* ───────── HOME (Utkarsh-style finance landing) ───────── */

/* Top trust strip — slim dark band above header */
.trust-strip {
    background: linear-gradient(90deg, var(--primary-dark) 0%, var(--secondary) 50%, var(--accent) 100%);
    color: #fce7f3; font-size: 13px; padding: 9px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.trust-strip .container { display:flex; justify-content:space-between; align-items:center; gap:14px; flex-wrap:wrap; }
.trust-strip span { display:inline-flex; align-items:center; gap:6px; }
.trust-strip strong { color: #fff; font-weight: 600; }

/* Hero — gradient mesh + decorative blobs */
.hero-finance {
    position: relative;
    background:
        radial-gradient(circle at 15% 0%, rgba(236, 72, 153, 0.42), transparent 50%),
        radial-gradient(circle at 95% 100%, rgba(251, 191, 36, 0.30), transparent 55%),
        radial-gradient(circle at 75% 30%, rgba(139, 92, 246, 0.50), transparent 55%),
        linear-gradient(135deg, #1e1b4b 0%, #312e81 45%, #4338ca 100%);
    color: #fff; overflow: hidden;
    padding: 96px 0 124px;
}
.hero-finance::before {
    /* Subtle dot grid */
    content: ''; position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px);
    background-size: 24px 24px;
    pointer-events: none;
}
.hero-finance::after {
    content: ''; position: absolute; left: 0; right: 0; bottom: -1px; height: 80px;
    background: var(--bg);
    clip-path: ellipse(85% 100% at 50% 100%);
}
.hero-finance .container { position: relative; z-index: 1; }
.hero-finance .eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(236, 72, 153, 0.15);
    border: 1px solid rgba(236, 72, 153, 0.45);
    color: #fbcfe8; font-size: 13px; font-weight: 600;
    padding: 7px 16px; border-radius: var(--radius-pill);
    margin-bottom: 22px;
    backdrop-filter: blur(6px);
}
.hero-finance .eyebrow .pulse {
    width: 8px; height: 8px; border-radius: 50%; background: var(--accent);
    box-shadow: 0 0 0 4px rgba(236, 72, 153, 0.25);
    animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
    0%, 100% { box-shadow: 0 0 0 0 rgba(236, 72, 153, 0.55); }
    50%      { box-shadow: 0 0 0 8px rgba(236, 72, 153, 0); }
}
.hero-finance h1 {
    font-size: clamp(36px, 5vw, 60px);
    font-weight: 800; letter-spacing: -0.03em; line-height: 1.05;
    color: #fff; margin-bottom: 22px; max-width: 720px;
}
.hero-finance h1 span,
.hero-finance h1 em {
    color: var(--gold);
    font-style: normal;
    background: linear-gradient(135deg, #ffd166, var(--gold));
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}
.hero-finance p.lead {
    font-size: 18px; opacity: 0.85; max-width: 580px; margin-bottom: 32px;
    color: #e9d5ff; line-height: 1.65;
}
.hero-finance .btn-primary {
    background: var(--gold); color: var(--primary);
    font-weight: 700; padding: 15px 30px; font-size: 15px;
    box-shadow: 0 10px 30px -10px rgba(255, 184, 0, 0.6);
}
.hero-finance .btn-primary:hover { background: var(--gold-dark); color: var(--primary); }
.hero-finance .btn-ghost {
    color: #fff;
    border: 1px solid rgba(255, 255, 255, 0.3);
    padding: 15px 26px;
    background: rgba(255, 255, 255, 0.04);
}
.hero-finance .btn-ghost:hover { background: rgba(255, 255, 255, 0.12); color: #fff; border-color: rgba(255,255,255,0.5); }
.hero-bullets-row {
    margin-top: 38px; display: flex; gap: 22px; flex-wrap: wrap;
}
.hero-bullets-row > div {
    display: inline-flex; align-items: center; gap: 8px;
    color: #e9d5ff; font-size: 14px; font-weight: 500;
}
.hero-bullets-row > div span { color: var(--accent); font-weight: 800; }

.hero-grid-finance {
    display:grid; grid-template-columns: 1.3fr 1fr; gap: 50px; align-items: center;
}

/* EMI calculator card on hero */
.emi-card {
    background: #fff; color: var(--text); border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: 0 32px 80px -20px rgba(0, 0, 0, 0.45);
    border: 1px solid rgba(255, 255, 255, 0.4);
}
.emi-card h3 { margin-bottom: 6px; font-size: 22px; color: var(--text); }
.emi-card .muted { color: var(--text-muted); font-size: 13px; margin-bottom: 24px; }
.emi-card label { font-size: 12px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; }
.emi-card .slider-wrap { margin-bottom: 20px; }
.emi-card .slider-wrap .row { display: flex; justify-content: space-between; margin-bottom: 8px; }
.emi-card .slider-wrap .row strong { color: var(--primary); font-weight: 700; }
.emi-card input[type=range] {
    width: 100%; accent-color: var(--accent);
    height: 4px; cursor: pointer;
}
.emi-card .emi-display {
    background: var(--grad-brand);
    padding: 18px 22px; border-radius: var(--radius);
    color: #fff;
    display: flex; justify-content: space-between; align-items: center;
    margin-top: 10px;
}
.emi-card .emi-display .label { font-size: 13px; opacity: 0.9; color: #fce7f3; }
.emi-card .emi-display .value { font-size: 28px; font-weight: 800; color: var(--gold); letter-spacing: -0.02em; }
.emi-card .emi-display .btn-primary {
    background: var(--gold); color: var(--primary);
    box-shadow: 0 6px 14px -4px rgba(255, 184, 0, 0.5);
}

/* Stats strip */
.stats-strip {
    background: #fff;
    padding: 56px 0;
    border-bottom: 1px solid var(--border);
}
.stats-strip .container {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center;
}
.stats-strip .stat { position: relative; padding: 12px 8px; }
.stats-strip .stat:not(:last-child)::after {
    content: ''; position: absolute; right: -16px; top: 12px; bottom: 12px; width: 1px;
    background: var(--border);
}
.stats-strip .stat .num {
    font-size: clamp(28px, 4vw, 44px); font-weight: 800;
    background: var(--grad-brand);
    -webkit-background-clip: text; background-clip: text;
    -webkit-text-fill-color: transparent;
    letter-spacing: -0.03em; line-height: 1;
    font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
}
.stats-strip .stat .label {
    color: var(--text-muted); font-size: 14px; margin-top: 10px;
    text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600;
}

/* ───── Trust badges strip — RBI, ISO, Fair-Lending, etc. ───── */
.badges-strip {
    background:
        linear-gradient(180deg, #fff 0%, var(--bg) 100%);
    padding: 48px 0;
    border-bottom: 1px solid var(--border);
    position: relative;
}
.badges-strip::before {
    content: ''; position: absolute; left: 0; right: 0; top: 0; height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-strong) 30%, var(--border-strong) 70%, transparent);
}
.badges-strip .container {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 14px;
    align-items: stretch;
}
.badge-item {
    display: flex; align-items: center; gap: 14px;
    padding: 18px 18px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
    text-align: left;
    min-height: 84px;
}
.badge-item:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}
.badge-item .badge-icon {
    flex-shrink: 0;
    width: 48px; height: 48px;
    border-radius: var(--radius-sm);
    background: var(--grad-brand);
    color: #fff;
    display: grid; place-items: center;
    font-size: 22px;
    box-shadow: var(--shadow-violet);
}
.badge-item .badge-text {
    display: flex; flex-direction: column; gap: 2px;
    line-height: 1.35;
}
.badge-item .badge-text strong {
    color: var(--text);
    font-weight: 700;
    font-size: 14px;
    letter-spacing: -0.01em;
    font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
}
.badge-item .badge-text small {
    color: var(--text-muted);
    font-size: 12px;
    font-weight: 500;
}

/* Responsive: 5-up stays through laptop (≥900px). 3-up tablet,
   2-up phone, 1-up tiny phone. */
@media (max-width: 1100px) {
    /* Tighten card padding so 5-up still fits at narrow laptop widths */
    .badge-item { padding: 14px 12px; gap: 10px; }
    .badge-item .badge-icon { width: 42px; height: 42px; font-size: 20px; }
    .badge-item .badge-text strong { font-size: 13px; }
    .badge-item .badge-text small  { font-size: 11px; }
}
@media (max-width: 900px) {
    .badges-strip .container { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .badge-item { padding: 16px; }
    .badge-item .badge-icon { width: 44px; height: 44px; font-size: 20px; }
    .badge-item .badge-text strong { font-size: 14px; }
    .badge-item .badge-text small  { font-size: 12px; }
}
@media (max-width: 640px) {
    .badges-strip { padding: 32px 0; }
    .badges-strip .container { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
    .badge-item { padding: 14px; min-height: 72px; gap: 10px; }
    .badge-item .badge-icon { width: 40px; height: 40px; font-size: 18px; }
}
@media (max-width: 400px) {
    .badges-strip .container { grid-template-columns: 1fr; }
}

/* Section header */
.section-eyebrow {
    text-align: center; display: inline-block; width: 100%;
    font-size: 12px; font-weight: 700; text-transform: uppercase;
    letter-spacing: 0.12em; color: var(--accent-dark);
    margin-bottom: 12px;
}
.section-eyebrow::before {
    content: '— ';
}
.section-eyebrow::after {
    content: ' —';
}

/* ───── Loan products grid — each card themed by data-product ───── */
.products-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}

/* Per-product palette — each one a light tint of a distinct hue that
   harmonises with the indigo / violet / pink / amber theme. Each card
   exposes its colour via the --pc custom property (r g b triplet so we
   can use rgba()). The card body stays mostly white for legibility;
   the tint shows in icon, accent bar, and hover shadow. */
.product-card                                   { --pc: 124 58 237; --pc-bg: #f5f3ff; } /* default violet */
.product-card[data-product="Personal"]          { --pc: 139 92 246; --pc-bg: #f3e8ff; } /* violet */
.product-card[data-product="Emergency"]         { --pc: 239 68 68;  --pc-bg: #fee2e2; } /* red */
.product-card[data-product="Business"]          { --pc: 245 158 11; --pc-bg: #fef3c7; } /* amber */
.product-card[data-product="Home"]              { --pc: 16 185 129; --pc-bg: #d1fae5; } /* emerald */
.product-card[data-product="Education"]         { --pc: 59 130 246; --pc-bg: #dbeafe; } /* blue */
.product-card[data-product="Gold"]              { --pc: 234 179 8;  --pc-bg: #fef9c3; } /* yellow */
.product-card[data-product="Medical"]           { --pc: 244 63 94;  --pc-bg: #ffe4e6; } /* rose */
.product-card[data-product="Travel"]            { --pc: 6 182 212;  --pc-bg: #cffafe; } /* cyan */
.product-card[data-product="Wedding"]           { --pc: 236 72 153; --pc-bg: #fce7f3; } /* hot pink */
.product-card[data-product="Vehicle"]           { --pc: 249 115 22; --pc-bg: #ffedd5; } /* orange */
.product-card[data-product="Renovation"]        { --pc: 20 184 166; --pc-bg: #ccfbf1; } /* teal */

.product-card {
    background: linear-gradient(155deg, var(--pc-bg) 0%, #fff 55%);
    border-radius: var(--radius);
    padding: 28px;
    box-shadow: var(--shadow-sm);
    border: 1px solid rgba(var(--pc), 0.18);
    transition: all var(--transition);
    position: relative; overflow: hidden;
}
.product-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: rgb(var(--pc));
    opacity: 0.85; transition: opacity var(--transition), height var(--transition);
}
.product-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 32px -8px rgba(var(--pc), 0.28),
                0 4px 8px rgba(24, 24, 27, 0.06);
    border-color: rgb(var(--pc));
}
.product-card:hover::before { opacity: 1; height: 4px; }
.product-card .icon-circle {
    width: 56px; height: 56px; border-radius: var(--radius);
    background: rgba(var(--pc), 0.15);
    color: rgb(var(--pc));
    display: grid; place-items: center; font-size: 26px;
    margin-bottom: 18px;
    border: 1px solid rgba(var(--pc), 0.25);
    transition: all var(--transition);
}
.product-card:hover .icon-circle {
    background: rgb(var(--pc));
    color: #fff;
    border-color: rgb(var(--pc));
    box-shadow: 0 10px 24px -6px rgba(var(--pc), 0.55);
    transform: scale(1.05);
}
.product-card h3 { font-size: 18px; margin-bottom: 6px; color: var(--text); }
.product-card p { color: var(--text-muted); font-size: 14px; margin-bottom: 18px; }
.product-card .specs {
    display: flex; gap: 16px; font-size: 12px; color: var(--text-muted);
    padding: 12px 0; border-top: 1px solid rgba(var(--pc), 0.18);
}
.product-card .specs strong { color: var(--text); display: block; font-size: 14px; font-weight: 700; margin-bottom: 2px; }
.product-card a.more {
    margin-top: 14px; display: inline-flex; gap: 4px;
    font-weight: 600; color: rgb(var(--pc)); font-size: 14px;
    transition: gap var(--transition);
}
.product-card a.more:hover { gap: 10px; }

/* Why choose us — soft indigo wash */
.why-section {
    background:
        radial-gradient(circle at 0% 0%, rgba(79, 70, 229, 0.06), transparent 50%),
        radial-gradient(circle at 100% 100%, rgba(139, 92, 246, 0.06), transparent 50%),
        #fafaff;
}
.why-section .section-eyebrow { color: var(--primary); }
.why-section .section-eyebrow::before,
.why-section .section-eyebrow::after { content: '◆'; padding: 0 8px; }
.why-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 64px; align-items: center; }
.why-list { list-style: none; padding: 0; }
.why-list li {
    display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--border);
}
.why-list li:last-child { border-bottom: none; }
.why-list .check {
    flex-shrink: 0; width: 36px; height: 36px; border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--accent), var(--accent-dark));
    color: #fff; display: grid; place-items: center; font-weight: 700;
    box-shadow: var(--shadow-pink);
}
.why-list h4 { font-size: 16px; margin-bottom: 4px; color: var(--text); }
.why-list p { color: var(--text-muted); font-size: 14px; }

/* Process steps */
/* How It Works — warm amber + violet wash */
.process-strip {
    padding: 80px 0;
    background:
        radial-gradient(circle at 0% 50%, rgba(139, 92, 246, 0.08), transparent 50%),
        radial-gradient(circle at 100% 50%, rgba(251, 191, 36, 0.08), transparent 50%),
        #fdfaf3;
}
.process-strip .section-eyebrow { color: var(--secondary); }
.process-strip .section-eyebrow::before,
.process-strip .section-eyebrow::after { content: '◆'; padding: 0 8px; }
.process-strip .process-step {
    background: #fff;
    border: 1px solid rgba(139, 92, 246, 0.12);
}
.process-strip .process-step:hover {
    border-color: var(--secondary);
    box-shadow: 0 16px 32px -8px rgba(139, 92, 246, 0.25);
}
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.process-step {
    background: #fff; padding: 28px 20px; border-radius: var(--radius);
    text-align: center; box-shadow: var(--shadow);
    border: 1px solid var(--border);
    position: relative; transition: transform var(--transition);
}
.process-step:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.process-step .num {
    width: 48px; height: 48px; border-radius: 50%;
    background: var(--grad-brand);
    color: #fff; display: grid; place-items: center;
    font-weight: 800; font-size: 18px;
    margin: 0 auto 16px;
    box-shadow: var(--shadow-violet);
    font-family: 'Plus Jakarta Sans', sans-serif;
}
.process-step h4 { margin-bottom: 8px; font-size: 16px; }
.process-step p { color: var(--text-muted); font-size: 14px; }

/* Testimonials — soft blush pink wash */
.testimonials {
    background:
        radial-gradient(circle at 100% 0%, rgba(236, 72, 153, 0.06), transparent 50%),
        radial-gradient(circle at 0% 100%, rgba(244, 63, 94, 0.05), transparent 50%),
        #fffafc;
}
.testimonials .section-eyebrow { color: var(--accent); }
.testimonials .section-eyebrow::before,
.testimonials .section-eyebrow::after { content: '◆'; padding: 0 8px; }
.testimonials .testi-card::before {
    color: rgba(236, 72, 153, 0.12);
}
.testimonials .testi-card:hover { border-color: var(--accent); }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card {
    background: #fff;
    padding: 32px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
    position: relative;
}
.testi-card::before {
    /* big quote mark */
    content: '"'; position: absolute; top: 16px; right: 24px;
    font-size: 80px; line-height: 1; color: var(--primary-light);
    font-family: 'Plus Jakarta Sans', Georgia, serif;
    pointer-events: none;
}
.testi-card:hover {
    transform: translateY(-4px); box-shadow: var(--shadow-md);
    border-color: var(--accent);
}
.testi-card p { font-size: 15px; line-height: 1.7; margin-bottom: 20px; color: var(--text); position: relative; z-index: 1; }
.testi-card .author { display: flex; align-items: center; gap: 14px; }
.testi-card .avatar {
    width: 48px; height: 48px; border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: #fff; display: grid; place-items: center;
    font-weight: 700; font-size: 15px;
    box-shadow: var(--shadow-sm);
}
.testi-card .author strong { display: block; color: var(--text); font-weight: 600; font-size: 15px; }
.testi-card .author small { color: var(--text-muted); font-size: 13px; }
.stars { color: var(--gold); margin-bottom: 12px; font-size: 16px; letter-spacing: 2px; }

/* CTA strip */
.cta-strip {
    background:
        radial-gradient(circle at 15% 90%, rgba(251, 191, 36, 0.30), transparent 55%),
        radial-gradient(circle at 85% 10%, rgba(236, 72, 153, 0.35), transparent 55%),
        var(--grad-brand);
    color: #fff; padding: 80px 0; text-align: center;
    position: relative; overflow: hidden;
}
.cta-strip h2 { color: #fff; font-size: clamp(28px, 4vw, 40px); margin-bottom: 12px; }
.cta-strip p { opacity: 0.95; margin-bottom: 28px; font-size: 17px; color: #fce7f3; max-width: 620px; margin-left: auto; margin-right: auto; }
.cta-strip .btn-primary {
    background: var(--gold); color: var(--primary);
    padding: 15px 36px; font-weight: 700; font-size: 16px;
    box-shadow: 0 12px 32px -8px rgba(255, 184, 0, 0.5);
}
.cta-strip .btn-primary:hover { background: var(--gold-dark); color: var(--primary); }

/* Partners strip */
.partners { padding: 56px 0; background: var(--bg); border-top: 1px solid var(--border); }
.partners h4 {
    text-align: center; color: var(--text-muted); font-size: 13px;
    text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 32px;
    font-weight: 600;
}
.partners-row { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; align-items: center; }
.partner-logo {
    background: #fff; padding: 14px 26px; border-radius: var(--radius-sm);
    color: var(--text); font-weight: 700; letter-spacing: 0.04em;
    border: 1px solid var(--border);
    transition: all var(--transition);
    font-family: 'Plus Jakarta Sans', sans-serif;
}
.partner-logo:hover {
    border-color: var(--accent); color: var(--primary);
    transform: translateY(-2px); box-shadow: var(--shadow-sm);
}

/* GRIEVANCE SECTION — premium dark indigo with gold accents */
.grievance-section {
    background:
        radial-gradient(circle at 15% 20%, rgba(236, 72, 153, 0.18), transparent 50%),
        radial-gradient(circle at 85% 80%, rgba(251, 191, 36, 0.14), transparent 50%),
        linear-gradient(135deg, #1e1b4b 0%, #2e1065 50%, #1e1b4b 100%);
    color: #e9d5ff;
    padding: 88px 0;
    position: relative;
    overflow: hidden;
}
.grievance-section::before {
    content: ''; position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
    background-size: 28px 28px;
    pointer-events: none;
}
.grievance-section > .container { position: relative; z-index: 1; }
.grievance-section .section-eyebrow { color: var(--gold); }
.grievance-grid {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 48px;
    align-items: start;
}
.grievance-aside h2 {
    color: #fff;
    font-size: 38px;
    line-height: 1.1;
    letter-spacing: -0.02em;
    margin-bottom: 16px;
}
.grievance-aside p { color: #e9d5ff; font-size: 16px; }
.grievance-icon {
    width: 64px; height: 64px; border-radius: 16px;
    background: linear-gradient(135deg, var(--gold), var(--accent));
    display: grid; place-items: center;
    font-size: 32px; margin-bottom: 18px;
    box-shadow: 0 12px 30px -8px rgba(251, 191, 36, 0.55);
}

.resolution-journey {
    margin-top: 28px;
    border-left: 2px solid rgba(251, 191, 36, 0.4);
    padding-left: 20px;
}
.resolution-journey h4 { color: #fff; margin-bottom: 14px; font-size: 18px; }
.journey-step {
    display: flex; gap: 14px; align-items: flex-start;
    margin-bottom: 18px; position: relative;
}
.journey-step:last-child { margin-bottom: 0; }
.journey-step .dot {
    flex-shrink: 0; width: 36px; height: 36px; border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--accent));
    color: var(--primary-dark); display: grid; place-items: center;
    margin-left: -32px; font-size: 16px;
    box-shadow: 0 6px 14px -2px rgba(251, 191, 36, 0.5);
}
.journey-step strong { color: #fff; }
.journey-step small { color: #c4b5fd; }

.grievance-pills {
    margin-top: 28px;
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(251, 191, 36, 0.25);
    border-radius: 12px;
    padding: 16px 20px;
    backdrop-filter: blur(6px);
}
.grievance-pills div {
    color: var(--gold);
    padding: 4px 0;
    font-size: 14px;
    font-weight: 500;
}

.grievance-body {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-lg);
    padding: 36px;
    color: #f1f5f9;
    font-size: 15px;
    line-height: 1.7;
    backdrop-filter: blur(6px);
}
.grievance-body .lead-line {
    font-size: 19px; color: #f1f5f9; font-weight: 500;
    margin-bottom: 18px;
    padding-bottom: 18px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.grievance-body p { margin-bottom: 14px; }
.grievance-body strong { color: var(--gold); }
.grievance-body h3 {
    color: #fff; font-size: 17px;
    margin-top: 22px; margin-bottom: 10px;
}
.grievance-body ul {
    list-style: none;
    padding: 0;
    margin-bottom: 14px;
}
.grievance-body ul li {
    padding: 6px 0;
    color: #cbd5e1;
}
.grievance-body a { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }

/* Presence indicator dots */
.presence {
    display: inline-flex; align-items: center; gap: 6px;
    font-size: 13px; color: var(--text-muted);
}
.presence::before {
    content: ''; width: 8px; height: 8px; border-radius: 50%;
    background: var(--text-muted); flex-shrink: 0;
}
.presence.online::before  { background: #10b981; box-shadow: 0 0 0 3px rgba(16,185,129,0.18); animation: pulse 2s infinite; }
.presence.recent::before  { background: #10b981; }
.presence.idle::before    { background: #f59e0b; }
.presence.offline::before { background: #94a3b8; }
.presence.never::before   { background: #cbd5e1; }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.5; } }

/* Expandable loan rows on the user-detail page */
.loan-details summary { font-size: 14px; padding: 4px 0; }
.loan-details[open] { background: #fff !important; box-shadow: var(--shadow); }
.loan-details[open] summary { border-bottom: 1px solid var(--border); padding-bottom: 12px; margin-bottom: 6px; }
@media (max-width: 720px) {
    .loan-details > div[style*="grid-template-columns:1fr 1fr"] {
        grid-template-columns: 1fr !important;
    }
}

/* Inbox / message list */
.message-card {
    background: #fff; border: 1px solid var(--border); border-radius: 10px;
    padding: 18px 20px; margin-bottom: 12px; transition: border-color .15s;
}
.message-card.unread { border-left: 4px solid var(--primary); }
.message-card .meta {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: 8px; font-size: 13px;
}
.message-card .meta strong { font-size: 15px; }
.message-card .body { white-space: pre-wrap; color: var(--text); }

.unread-badge {
    background: var(--danger); color:#fff;
    font-size: 11px; padding: 2px 8px; border-radius: 10px;
    margin-left: 6px; font-weight: 700;
}

/* ───────── MOBILE / RESPONSIVE ─────────
   Strategy:
   - Desktop (≥901px) keeps the fixed left sidebar and the inline top nav.
   - Mobile (≤900px): nav becomes a slide-in drawer triggered by a hamburger
     button in a sticky top bar. A semi-transparent backdrop covers the
     content while the drawer is open.
*/

/* Hamburger button + sticky mobile top-bar — hidden on desktop */
.mobile-topbar { display: none; }
.hamburger {
    display: none;
    background: transparent; border: none; padding: 10px;
    cursor: pointer; line-height: 0;
}
.hamburger span {
    display: block; width: 22px; height: 2px; background: var(--text);
    border-radius: 2px;
    transition: transform 0.2s, opacity 0.2s;
}
.hamburger span + span { margin-top: 5px; }
body.menu-open .hamburger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.menu-open .hamburger span:nth-child(2) { opacity: 0; }
body.menu-open .hamburger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.menu-backdrop {
    position: fixed; inset: 0; background: rgba(15,23,42,0.45);
    backdrop-filter: blur(2px);
    opacity: 0; visibility: hidden;
    transition: opacity 0.2s, visibility 0.2s;
    z-index: 90;
}
body.menu-open .menu-backdrop { opacity: 1; visibility: visible; }

/* Generic table wrapper for very wide tables on mobile */
.table-scroll { width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }
.table-scroll .table { min-width: 720px; }

/* Tablet/phone — 1024px catches iPad portrait + everything narrower */
@media (max-width: 1024px) {
    /* Public hero / sections collapse to single column */
    .hero-grid, .hero-grid-finance, .feature-grid, .form-row, .stat-grid, .footer-grid,
    .stats-strip .container, .products-grid, .why-grid, .process-grid, .testi-grid,
    .grievance-grid {
        grid-template-columns: 1fr;
    }
    .stat-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
    .grievance-aside h2 { font-size: 28px; }
    .grievance-body { padding: 24px; }
    .hero h1 { font-size: 32px; }
    .hero-finance { padding: 48px 0 80px; }
    .hero-finance h1 { font-size: 32px; }
    .stats-strip .stat .num { font-size: 28px; }

    /* ── Public site top nav → hamburger drawer ── */
    .site-header .nav { gap: 10px; height: 60px; }
    .primary-nav {
        position: fixed; top: 0; bottom: 0; left: 0; width: 280px; max-width: 86vw;
        background: #fff; padding: 24px 22px; flex-direction: column; align-items: flex-start;
        gap: 6px; box-shadow: 0 0 30px rgba(0,0,0,0.18);
        transform: translateX(-100%); transition: transform 0.25s ease;
        z-index: 100; overflow-y: auto;
    }
    .primary-nav a {
        padding: 12px 14px; width: 100%; border-radius: var(--radius-sm);
        font-size: 16px; min-height: 44px; display: flex; align-items: center;
    }
    .primary-nav a:hover { background: var(--bg); }
    body.menu-open .primary-nav { transform: translateX(0); }
    .hamburger { display: inline-block; }
    .nav-cta .btn-ghost { display: none; }
    .nav-cta { gap: 6px; }
    .nav-cta .btn { padding: 8px 14px; font-size: 13px; min-height: 40px; }

    /* ── Dashboard (user / admin / employee) ── */
    .mobile-topbar {
        display: flex; align-items: center; gap: 8px;
        position: sticky; top: 0; z-index: 80;
        background: #fff; border-bottom: 1px solid var(--border);
        padding: 10px 12px; min-height: 56px;
    }
    .mobile-topbar .brand { font-size: 16px; }
    .mobile-topbar .brand-mark { width: 28px; height: 28px; font-size: 16px; }
    .mobile-topbar .topbar-title {
        flex: 1; margin: 0; font-size: 16px; font-weight: 600;
        white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
        text-align: center; color: var(--text);
    }

    .dashboard-sidebar {
        position: fixed; left: 0; top: 0; bottom: 0; width: 280px; max-width: 86vw;
        padding: 20px;
        transform: translateX(-100%); transition: transform 0.25s ease;
        z-index: 100; box-shadow: 0 0 30px rgba(0,0,0,0.18);
        flex-direction: column; flex-wrap: nowrap;
    }
    body.menu-open .dashboard-sidebar { transform: translateX(0); }
    .dashboard-sidebar nav { flex-direction: column; gap: 4px; flex-wrap: nowrap; }
    .dashboard-sidebar nav a {
        padding: 12px 14px; font-size: 15px; min-height: 44px;
        display: flex; align-items: center;
    }

    .dashboard-content { margin-left: 0; padding: 16px 14px 80px; }
    .dashboard-topbar { flex-wrap: wrap; gap: 10px; margin-bottom: 16px; }
    .dashboard-topbar h1 { font-size: 22px; }
    .dashboard-topbar .btn { width: 100%; }

    .card { padding: 16px; border-radius: var(--radius-sm); }
    .card h2 { font-size: 18px; }
    .table th, .table td { padding: 10px 8px; font-size: 13px; }

    /* Auto-wrap any .table directly inside a .card */
    .card > .table {
        display: block; overflow-x: auto; white-space: nowrap;
        -webkit-overflow-scrolling: touch;
    }

    /* Filter bars fully stack */
    .filter-bar { flex-direction: column; align-items: stretch; }
    .filter-bar > * { width: 100%; }

    /* Touch-friendly buttons + 16px inputs to prevent iOS zoom */
    .btn      { min-height: 44px; padding: 10px 16px; }
    .btn-sm   { min-height: 36px; padding: 8px 12px; font-size: 13px; }
    .form-control { font-size: 16px; }

    .stat-card { padding: 14px 16px; }
    .stat-card .value { font-size: 22px; }

    .auth-wrapper { padding: 16px; }
    .auth-card { padding: 24px; }
    .auth-card h1 { font-size: 22px; }

    .steps .step { padding: 10px 6px; font-size: 11px; }
    .steps .step-num { width: 18px; height: 18px; font-size: 11px; margin-right: 4px; }

    body.menu-open { overflow: hidden; }
}

/* Tiny phones */
@media (max-width: 480px) {
    .container { padding: 0 14px; }
    .hero-finance h1 { font-size: 26px; }
    .section { padding: 36px 0; }
    .section-title { font-size: 22px; }
    .testi-grid, .products-grid { gap: 14px; }
    .product-card { padding: 18px; }
    .footer-grid { gap: 18px; }
    .nav .brand-name { display: none; }
    .stat-grid { grid-template-columns: 1fr; }
}

/* ── Wide-table → stacked cards on phone ──
   Add class="responsive-table" on a <table> that has too many columns to
   horizontal-scroll comfortably. Each <td> needs data-label="ColumnName"
   so we can show the header inline when stacked. */
@media (max-width: 720px) {
    .responsive-table,
    .responsive-table thead,
    .responsive-table tbody,
    .responsive-table tr,
    .responsive-table th,
    .responsive-table td {
        display: block; width: 100%;
    }
    .responsive-table thead { display: none; }
    .responsive-table tr {
        background: #fff; border: 1px solid var(--border);
        border-radius: var(--radius-sm); padding: 10px 12px;
        margin-bottom: 10px; box-shadow: var(--shadow);
    }
    .responsive-table td {
        display: flex; justify-content: space-between; align-items: center;
        gap: 12px; padding: 8px 0; border: none; text-align: right;
        font-size: 14px;
    }
    .responsive-table td + td { border-top: 1px dashed var(--border); }
    .responsive-table td::before {
        content: attr(data-label); font-weight: 600; color: var(--text-muted);
        text-align: left; font-size: 12px; text-transform: uppercase; letter-spacing: 0.04em;
        flex-shrink: 0;
    }
    /* Cells that don't need a label (action buttons) — span full width */
    .responsive-table td.full {
        justify-content: flex-end; padding: 10px 0 4px;
    }
    .responsive-table td.full::before { display: none; }
}