:root { --brand: #0d6efd; --brand-dark: #0b2545; --soft: #f4f7fb; }
body { font-family: 'Poppins', system-ui, -apple-system, 'Segoe UI', sans-serif; color: #26303d; background: #fff; }
a { color: var(--brand); }
.topbar { background: var(--brand-dark); color: #cfd8e3; }
.topbar a { color: #fff; text-decoration: none; }
.navbar .nav-link { font-weight: 500; color: #3a4656; }
.navbar .nav-link.active, .navbar .nav-link:hover { color: var(--brand); }
.brand-mark { width: 38px; height: 38px; border-radius: 10px; background: var(--brand); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-weight: 700; font-size: 1.2rem; }
.btn-brand { background: var(--brand); border-color: var(--brand); color: #fff; }
.btn-brand:hover, .btn-brand:focus { background: var(--brand-dark); border-color: var(--brand-dark); color: #fff; }
.btn-outline-brand { border: 1px solid var(--brand); color: var(--brand); }
.btn-outline-brand:hover { background: var(--brand); color: #fff; }
.text-brand { color: var(--brand) !important; }
.bg-soft { background: var(--soft); }

.hero { background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand) 100%); color: #fff; padding: 64px 0 80px; position: relative; overflow: hidden; }
.hero.has-image { background-size: cover; background-position: center; }
.hero h1 { font-weight: 700; font-size: clamp(1.8rem, 4vw, 3rem); line-height: 1.2; }
.hero .lead { color: rgba(255,255,255,.85); }
.hero .badge-pill { background: rgba(255,255,255,.15); border-radius: 50px; padding: 6px 14px; font-size: .85rem; display: inline-block; }
.hero-points li { margin-bottom: .4rem; }
.apply-card { border: 0; border-radius: 16px; box-shadow: 0 20px 50px rgba(11,37,69,.25); }
.apply-card .card-header { background: #fff; border-bottom: 1px solid #eef1f5; border-radius: 16px 16px 0 0; }

.section { padding: 64px 0; }
.section-title { font-weight: 700; }
.section-sub { color: #6b7686; max-width: 640px; margin: 0 auto; }

.loan-card { border: 1px solid #e8edf3; border-radius: 14px; transition: transform .2s, box-shadow .2s; height: 100%; }
.loan-card:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(11,37,69,.1); }
.loan-icon { width: 56px; height: 56px; border-radius: 14px; background: color-mix(in srgb, var(--brand) 12%, white); color: var(--brand); display: inline-flex; align-items: center; justify-content: center; font-size: 1.6rem; }

.how-step { text-align: center; padding: 20px; }
.how-step .num { width: 56px; height: 56px; border-radius: 50%; background: var(--brand); color: #fff; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; font-size: 1.3rem; margin-bottom: 12px; }

.feature { display: flex; gap: 14px; }
.feature i { font-size: 1.6rem; color: var(--brand); }

.emi-box { border-radius: 16px; border: 1px solid #e8edf3; }
.emi-result { background: var(--brand-dark); color: #fff; border-radius: 14px; }
.emi-result .big { font-size: 2rem; font-weight: 700; }
input[type=range] { accent-color: var(--brand); }

.page-head { background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand) 100%); color: #fff; padding: 42px 0; }
.page-head h1 { font-weight: 700; font-size: clamp(1.5rem, 3vw, 2.2rem); margin: 0; }
.page-head .breadcrumb a { color: rgba(255,255,255,.8); }
.page-head .breadcrumb-item.active, .page-head .breadcrumb-item::before { color: rgba(255,255,255,.7) !important; }
.cms-content h2, .cms-content h3 { margin-top: 1.4rem; font-weight: 600; }
.cms-content table { width: 100%; }

.site-footer { background: #0c1522; color: #a9b4c2; }
.site-footer a { color: #d5dde7; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer li { margin-bottom: 6px; }
.legal-line { color: #8e9aab; }

.whatsapp-float { position: fixed; right: 18px; bottom: 18px; width: 54px; height: 54px; border-radius: 50%; background: #25d366; color: #fff; display: flex; align-items: center; justify-content: center; font-size: 1.7rem; box-shadow: 0 6px 20px rgba(0,0,0,.2); z-index: 1000; }
.whatsapp-float:hover { color: #fff; }

/* tracking stepper */
.stepper { display: flex; justify-content: space-between; position: relative; margin: 10px 0 30px; }
.stepper::before { content: ''; position: absolute; top: 22px; left: 5%; right: 5%; height: 3px; background: #dfe5ec; z-index: 0; }
.stepper .st { position: relative; z-index: 1; text-align: center; flex: 1; }
.stepper .dot { width: 46px; height: 46px; border-radius: 50%; background: #e9eef4; color: #8a96a6; display: inline-flex; align-items: center; justify-content: center; font-size: 1.2rem; border: 3px solid #fff; }
.stepper .st.done .dot { background: #198754; color: #fff; }
.stepper .st.current .dot { background: var(--brand); color: #fff; box-shadow: 0 0 0 4px color-mix(in srgb, var(--brand) 25%, white); }
.stepper .st.rejected .dot { background: #dc3545; color: #fff; }
.stepper .lbl { font-size: .78rem; margin-top: 6px; color: #5d6978; font-weight: 500; }
@media (max-width: 575.98px) {
  .stepper { flex-direction: column; align-items: flex-start; gap: 10px; }
  .stepper::before { top: 10px; bottom: 10px; left: 22px; right: auto; width: 3px; height: auto; }
  .stepper .st { display: flex; align-items: center; gap: 12px; text-align: left; }
  .stepper .lbl { margin: 0; font-size: .9rem; }
  .section { padding: 44px 0; }
  .hero { padding: 40px 0 50px; }
}
.doc-item { border: 1px solid #e8edf3; border-radius: 12px; padding: 12px 14px; }
.doc-item .bi-file-earmark-pdf { font-size: 1.8rem; color: #d63939; }
.info-card { border: 1px solid #e8edf3; border-radius: 14px; }
.verify-ok { border-left: 5px solid #198754; }
.verify-bad { border-left: 5px solid #dc3545; }
.hp-field { position: absolute; left: -10000px; top: auto; width: 1px; height: 1px; overflow: hidden; }