/* ============================================
   OnoCredit — Trust & Banking Style
   Navy Blue + Orange | DM Sans
   ============================================ */


:root {
    --primary: #003a70;
    --primary-dark: #002850;
    --primary-light: #0056a3;
    --accent: #ff6b35;
    --accent-dark: #e85a28;
    --accent-light: #fff1eb;
    --bg: #ffffff;
    --bg-2: #f5f7fa;
    --bg-3: #e8edf3;
    --text: #1a2332;
    --text-2: #5a6877;
    --text-3: #8b96a3;
    --border: #dde3eb;
    --success: #22c55e;
    --warning: #f59e0b;
    --danger: #ef4444;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    font-family: 'DM Sans', -apple-system, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
.container { max-width: 1240px; margin: 0 auto; padding: 0 24px; }

/* ============================================
   TOP BAR
   ============================================ */
.topbar {
    background: var(--primary-dark);
    color: white;
    padding: 8px 0;
    font-size: 13px;
}
.topbar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
}
.topbar-left { display: flex; gap: 20px; flex-wrap: wrap; }
.topbar-left span,
.topbar-right span {
    display: flex;
    align-items: center;
    gap: 6px;
    color: rgba(255, 255, 255, 0.85);
}
.topbar a { color: inherit; }
.topbar a:hover { color: var(--accent); }

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
    padding: 16px 0;
    background: white;
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}
.nav-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}
.logo-icon {
    width: 40px; height: 40px;
    background: var(--primary);
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    color: white; font-weight: 700; font-size: 18px;
}
.logo-text {
    font-size: 22px; font-weight: 700;
    color: var(--primary);
    letter-spacing: -0.02em;
}
.logo-text span { color: var(--accent); }

.nav-links {
    display: flex;
    gap: 32px;
    list-style: none;
}
.nav-links a {
    color: var(--text);
    font-size: 15px;
    font-weight: 500;
    transition: color 0.2s;
}
.nav-links a:hover,
.nav-links a.active { color: var(--primary); }

.nav-cta {
    background: var(--accent);
    color: white;
    padding: 10px 24px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 14px;
    transition: 0.2s;
}
.nav-cta:hover {
    background: var(--accent-dark);
    color: white;
    transform: translateY(-1px);
}
.menu-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 24px;
    cursor: pointer;
    color: var(--primary);
    padding: 4px 8px;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    border: none;
    transition: 0.2s;
    font-family: inherit;
    line-height: 1.4;
}
.btn-primary { background: var(--accent); color: white; }
.btn-primary:hover { background: var(--accent-dark); color: white; transform: translateY(-1px); }
.btn-secondary { background: var(--primary); color: white; }
.btn-secondary:hover { background: var(--primary-dark); color: white; }
.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: white; }
.btn-white { background: white; color: var(--primary); }
.btn-white:hover { background: var(--bg-2); color: var(--primary); }
.btn-outline-white {
    background: transparent;
    color: white;
    border: 2px solid rgba(255, 255, 255, 0.4);
}
.btn-outline-white:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: white;
    color: white;
}
.btn-block { width: 100%; }
.btn-sm { padding: 10px 18px; font-size: 14px; }
.btn-lg { padding: 16px 32px; font-size: 16px; }

/* ============================================
   HERO
   ============================================ */
.hero {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: white;
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: -200px;
    width: 800px;
    height: 800px;
    background: rgba(255, 255, 255, 0.03);
    border-radius: 50%;
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: -300px;
    left: -300px;
    width: 600px;
    height: 600px;
    background: rgba(255, 107, 53, 0.1);
    border-radius: 50%;
    pointer-events: none;
}
.hero-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.15);
    padding: 8px 16px;
    border-radius: 6px;
    font-size: 13px;
    margin-bottom: 20px;
    font-weight: 500;
    border: 1px solid rgba(255, 255, 255, 0.2);
}
.hero h1 {
    font-size: clamp(32px, 5vw, 52px);
    font-weight: 700;
    letter-spacing: -0.02em;
    line-height: 1.15;
    margin-bottom: 20px;
}
.hero h1 .accent { color: var(--accent); }
.hero-sub {
    font-size: 18px;
    opacity: 0.9;
    margin-bottom: 32px;
    max-width: 520px;
}
.hero-cta-row {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 32px;
}
.hero-trust {
    display: flex;
    gap: 24px;
    flex-wrap: wrap;
    font-size: 13px;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 6px;
    opacity: 0.9;
}

/* Hero card (form) */
.hero-card {
    background: white;
    border-radius: 16px;
    padding: 32px;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
    color: var(--text);
}
.hero-card h3 {
    font-size: 22px;
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 6px;
}
.hero-card .sub {
    color: var(--text-2);
    font-size: 14px;
    margin-bottom: 20px;
}

/* ============================================
   PAGE HERO (for inner pages)
   ============================================ */
.page-hero {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: white;
    padding: 60px 0 50px;
    position: relative;
    overflow: hidden;
    text-align: center;
}
.page-hero::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 400px;
    height: 400px;
    background: rgba(255, 107, 53, 0.08);
    border-radius: 50%;
    pointer-events: none;
}
.page-hero h1 {
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 700;
    letter-spacing: -0.02em;
    margin-bottom: 12px;
    position: relative;
}
.page-hero p {
    font-size: 17px;
    opacity: 0.9;
    max-width: 640px;
    margin: 0 auto;
    position: relative;
}
.breadcrumb {
    display: flex;
    justify-content: center;
    gap: 8px;
    font-size: 13px;
    margin-top: 16px;
    opacity: 0.85;
    position: relative;
}
.breadcrumb a:hover { color: var(--accent); }

/* ============================================
   FORMS
   ============================================ */
.field { margin-bottom: 14px; }
.field label {
    display: block;
    font-size: 13px;
    color: var(--text-2);
    margin-bottom: 5px;
    font-weight: 500;
}
.field label .req { color: var(--danger); }
.field input,
.field select,
.field textarea {
    width: 100%;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    padding: 11px 14px;
    font-size: 15px;
    font-family: inherit;
    transition: 0.2s;
    background: white;
    color: var(--text);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0, 58, 112, 0.08);
}
.field textarea { min-height: 100px; resize: vertical; }
.field .help {
    font-size: 12px;
    color: var(--text-3);
    margin-top: 4px;
}
.field-error {
    color: var(--danger);
    font-size: 12px;
    margin-top: 4px;
}
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }

.checkbox-row {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin: 16px 0;
    font-size: 13px;
    color: var(--text-2);
}
.checkbox-row input { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.checkbox-row a { color: var(--primary); text-decoration: underline; }

/* Loan form (apply page) */
.loan-form-section {
    padding: 60px 0;
    background: var(--bg-2);
}
.loan-form-card {
    background: white;
    border-radius: 16px;
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.06);
    border: 1px solid var(--border);
    overflow: hidden;
}
.loan-form-card .card-header {
    background: var(--primary);
    color: white;
    padding: 24px 32px;
}
.loan-form-card .card-header h2 {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 4px;
}
.loan-form-card .card-header p {
    font-size: 14px;
    opacity: 0.9;
}
.loan-form-card .card-body { padding: 32px; }
.form-section-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--primary);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin: 24px 0 16px;
    padding-bottom: 8px;
    border-bottom: 1px solid var(--border);
}
.form-section-title:first-child { margin-top: 0; }

/* ============================================
   TRUST STRIP
   ============================================ */
.trust-strip {
    background: var(--bg-2);
    padding: 32px 0;
    border-bottom: 1px solid var(--border);
}
.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    text-align: center;
}
.trust-item-card { padding: 0; }
.trust-icon {
    font-size: 32px;
    margin-bottom: 8px;
}
.trust-num {
    font-size: clamp(20px, 3vw, 28px);
    font-weight: 700;
    color: var(--primary);
    letter-spacing: -0.02em;
    line-height: 1.2;
}
.trust-label {
    color: var(--text-2);
    font-size: 13px;
    margin-top: 4px;
    font-weight: 500;
}

/* ============================================
   SECTIONS
   ============================================ */
.section { padding: 80px 0; }
.section.bg-gray { background: var(--bg-2); }
.section-header {
    text-align: center;
    margin-bottom: 50px;
}
.section-tag {
    display: inline-block;
    background: var(--accent-light);
    color: var(--accent-dark);
    font-size: 12px;
    font-weight: 600;
    padding: 6px 14px;
    border-radius: 6px;
    margin-bottom: 16px;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}
.section h2 {
    font-size: clamp(28px, 4vw, 38px);
    font-weight: 700;
    letter-spacing: -0.02em;
    line-height: 1.2;
    color: var(--text);
    margin-bottom: 14px;
}
.section h2.text-white { color: white; }
.section-sub {
    color: var(--text-2);
    font-size: 17px;
    max-width: 600px;
    margin: 0 auto;
}
.section-sub.text-white-sub { color: rgba(255, 255, 255, 0.85); }

/* ============================================
   FEATURES GRID
   ============================================ */
.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.feature {
    background: white;
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 32px;
    transition: 0.3s;
}
.feature:hover {
    border-color: var(--primary);
    box-shadow: 0 12px 30px rgba(0, 58, 112, 0.08);
    transform: translateY(-3px);
}
.feature-icon {
    width: 56px;
    height: 56px;
    background: var(--bg-2);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    margin-bottom: 20px;
}
.feature h3 {
    font-size: 19px;
    font-weight: 600;
    margin-bottom: 10px;
    color: var(--text);
}
.feature p {
    color: var(--text-2);
    font-size: 14.5px;
}

/* ============================================
   PRODUCTS GRID
   ============================================ */
.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 40px;
}
.product {
    background: white;
    border-radius: 12px;
    padding: 28px;
    border-top: 4px solid var(--primary);
    transition: 0.3s;
    border-left: 1px solid var(--border);
    border-right: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
}
.product.accent { border-top-color: var(--accent); }
.product.success { border-top-color: var(--success); }
.product:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 40px rgba(0, 0, 0, 0.08);
}
.product h3 {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 6px;
    color: var(--text);
}
.product .product-tagline {
    font-size: 13px;
    color: var(--text-2);
    margin-bottom: 12px;
}
.product .amount {
    font-size: 28px;
    font-weight: 700;
    color: var(--primary);
    margin: 14px 0 4px;
    letter-spacing: -0.02em;
}
.product .tenure {
    font-size: 13px;
    color: var(--text-2);
}
.product .features-list {
    list-style: none;
    margin: 18px 0;
    padding: 0;
}
.product .features-list li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 6px 0;
    font-size: 14px;
    color: var(--text-2);
}
.product .features-list li::before {
    content: '✓';
    color: var(--success);
    font-weight: 700;
    flex-shrink: 0;
}

/* ============================================
   PROCESS STEPS
   ============================================ */
.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-top: 50px;
}
.step { text-align: center; }
.step-num {
    width: 64px;
    height: 64px;
    background: var(--primary);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 700;
    margin: 0 auto 16px;
}
.step h3 {
    font-size: 17px;
    font-weight: 600;
    margin-bottom: 6px;
}
.step p {
    color: var(--text-2);
    font-size: 14px;
}

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: white;
    padding: 80px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.12) 0%, transparent 70%);
}
.cta-section .container { position: relative; }
.cta-section h2 {
    font-size: clamp(30px, 4vw, 44px);
    font-weight: 700;
    margin-bottom: 16px;
    letter-spacing: -0.02em;
}
.cta-section p {
    font-size: 18px;
    opacity: 0.9;
    margin-bottom: 32px;
}

/* ============================================
   CONTENT PAGES (about, faq, policies, etc)
   ============================================ */
.content-section { padding: 60px 0; }
.content-wrapper {
    max-width: 880px;
    margin: 0 auto;
}
.content-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 40px;
}
.content-card h2 {
    font-size: 24px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 14px;
    margin-top: 28px;
}
.content-card h2:first-child { margin-top: 0; }
.content-card h3 {
    font-size: 18px;
    font-weight: 600;
    margin: 20px 0 10px;
    color: var(--text);
}
.content-card p {
    color: var(--text-2);
    margin-bottom: 14px;
    font-size: 15px;
    line-height: 1.7;
}
.content-card ul,
.content-card ol {
    margin: 12px 0 16px 24px;
    color: var(--text-2);
}
.content-card li {
    margin-bottom: 8px;
    line-height: 1.6;
}
.content-card a {
    color: var(--primary);
    font-weight: 500;
}
.content-card a:hover { color: var(--accent); }
.content-card table {
    width: 100%;
    border-collapse: collapse;
    margin: 16px 0;
}
.content-card th,
.content-card td {
    padding: 10px 14px;
    border: 1px solid var(--border);
    text-align: left;
    font-size: 14px;
}
.content-card th {
    background: var(--bg-2);
    color: var(--primary);
    font-weight: 600;
}

/* ============================================
   FAQ
   ============================================ */
.faq-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.faq-item {
    background: white;
    border: 1px solid var(--border);
    border-radius: 10px;
    overflow: hidden;
    transition: 0.2s;
}
.faq-item.open { border-color: var(--primary); }
.faq-q {
    padding: 18px 22px;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 14px;
    font-weight: 600;
    color: var(--text);
    font-size: 15px;
    transition: 0.2s;
    user-select: none;
}
.faq-q:hover { background: var(--bg-2); }
.faq-toggle {
    width: 24px;
    height: 24px;
    background: var(--bg-2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: 0.2s;
    font-weight: 700;
    color: var(--primary);
}
.faq-item.open .faq-toggle {
    background: var(--primary);
    color: white;
    transform: rotate(45deg);
}
.faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s;
    padding: 0 22px;
}
.faq-item.open .faq-a {
    max-height: 400px;
    padding-bottom: 18px;
}
.faq-a p {
    color: var(--text-2);
    font-size: 14.5px;
    line-height: 1.7;
}

/* ============================================
   ALERTS
   ============================================ */
.alert {
    padding: 14px 18px;
    border-radius: 8px;
    margin-bottom: 18px;
    font-size: 14px;
}
.alert-success {
    background: #d1fae5;
    color: #065f46;
    border: 1px solid #a7f3d0;
}
.alert-error,
.alert-danger {
    background: #fee2e2;
    color: #991b1b;
    border: 1px solid #fecaca;
}
.alert-warning {
    background: #fef3c7;
    color: #92400e;
    border: 1px solid #fde68a;
}
.alert-info {
    background: #dbeafe;
    color: #1e40af;
    border: 1px solid #bfdbfe;
}

/* ============================================
   FOOTER
   ============================================ */
footer {
    background: var(--text);
    color: rgba(255, 255, 255, 0.85);
    padding: 60px 0 24px;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}
.footer-col h4 {
    font-size: 15px;
    font-weight: 600;
    margin-bottom: 16px;
    color: white;
}
.footer-col p,
.footer-col a {
    font-size: 14px;
    display: block;
    margin-bottom: 8px;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
}
.footer-col a:hover { color: var(--accent); }
.footer-disclaimer {
    margin-top: 16px;
    padding: 16px;
    background: rgba(255, 255, 255, 0.05);
    border-left: 3px solid var(--accent);
    border-radius: 0;
    font-size: 12px;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.6;
}
.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    padding-top: 20px;
    font-size: 13px;
    text-align: center;
    color: rgba(255, 255, 255, 0.6);
}
.footer-social {
    display: flex;
    gap: 8px;
    margin-top: 14px;
}
.footer-social a {
    width: 36px; height: 36px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    transition: 0.2s;
    margin: 0;
}
.footer-social a:hover {
    background: var(--accent);
}

/* ============================================
   FLOATING BUTTONS (WhatsApp / Call)
   ============================================ */
.floating-btns {
    position: fixed;
    right: 20px;
    bottom: 20px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    z-index: 90;
}
.fab {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 24px;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.2);
    transition: 0.2s;
}
.fab:hover { transform: scale(1.1); color: white; }
.fab.whatsapp { background: #25d366; }
.fab.call { background: var(--primary); }

/* ============================================
   EMI CALCULATOR
   ============================================ */
.calc-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 32px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
}
.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: start;
}
.calc-control { margin-bottom: 22px; }
.calc-control-header {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 8px;
}
.calc-control-label {
    font-size: 14px;
    color: var(--text-2);
    font-weight: 500;
}
.calc-control-value {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary);
}
.calc-slider {
    width: 100%;
    height: 6px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--bg-3);
    border-radius: 100px;
    outline: none;
}
.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px; height: 22px;
    background: var(--accent);
    border-radius: 50%;
    cursor: pointer;
    border: 4px solid white;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}
.calc-slider::-moz-range-thumb {
    width: 22px; height: 22px;
    background: var(--accent);
    border-radius: 50%;
    cursor: pointer;
    border: 4px solid white;
}
.calc-results {
    background: var(--primary);
    color: white;
    border-radius: 12px;
    padding: 28px;
}
.calc-results h3 {
    font-size: 14px;
    font-weight: 500;
    opacity: 0.9;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.calc-result-main {
    font-size: 38px;
    font-weight: 700;
    letter-spacing: -0.02em;
    margin-bottom: 4px;
}
.calc-result-label {
    font-size: 13px;
    opacity: 0.8;
    margin-bottom: 24px;
}
.calc-breakdown {
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    padding-top: 20px;
}
.calc-breakdown-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
    font-size: 14px;
}
.calc-breakdown-row:last-child { margin-bottom: 0; }
.calc-breakdown-row .label { opacity: 0.85; }
.calc-breakdown-row .value { font-weight: 600; font-size: 16px; }

/* ============================================
   UTILITY
   ============================================ */
.text-center { text-align: center; }
.mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; }
.mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; }
.flex { display: flex; }
.gap-1 { gap: 8px; } .gap-2 { gap: 16px; }

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr; gap: 40px; }
    .calc-grid { grid-template-columns: 1fr; gap: 24px; }
}
@media (max-width: 768px) {
    .topbar .topbar-left { font-size: 12px; }
    .topbar-right { display: none; }
    .nav-links { display: none; }
    .menu-toggle { display: block; }
    .nav-cta { display: none; }
    
    /* Mobile menu when open */
    .nav-links.mobile-open {
        display: flex;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: white;
        flex-direction: column;
        padding: 20px;
        gap: 0;
        border-top: 1px solid var(--border);
        box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
    }
    .nav-links.mobile-open li {
        border-bottom: 1px solid var(--border);
    }
    .nav-links.mobile-open li:last-child { border-bottom: none; }
    .nav-links.mobile-open a {
        display: block;
        padding: 14px 0;
    }

    .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
    .features-grid,
    .products-grid { grid-template-columns: 1fr; }
    .process-steps { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
    .row,
    .row-3 { grid-template-columns: 1fr; }
    .section { padding: 60px 0; }
    .hero { padding: 50px 0 40px; }
    .content-card { padding: 24px; }
    .loan-form-card .card-body { padding: 24px 20px; }
    .calc-card { padding: 20px; }
}
@media (max-width: 480px) {
    .footer-grid { grid-template-columns: 1fr; }
    .trust-grid { grid-template-columns: 1fr 1fr; gap: 16px; }
    .floating-btns { right: 14px; bottom: 14px; }
    .fab { width: 48px; height: 48px; font-size: 20px; }
}

/* ============================================
   MOBILE PERFORMANCE OPTIMIZATIONS
   - Simplified rendering on mobile devices
   ============================================ */
@media (max-width: 768px) {
    /* Flatten complex gradients (CPU heavy on mobile) */
    .page-hero,
    .hero-section {
        background: #003a70 !important;
        background-image: linear-gradient(135deg, #003a70 0%, #002850 100%) !important;
    }
    
    /* Disable expensive effects on mobile */
    *, *::before, *::after {
        animation-duration: 0.2s !important;
    }
    
    /* Reduce shadow complexity */
    .card, .stat-card, .login-card, .cs-status-card {
        box-shadow: 0 2px 8px rgba(0, 58, 112, 0.06) !important;
    }
    
    /* GPU acceleration for smoother scrolling */
    body {
        -webkit-overflow-scrolling: touch;
    }
    
    /* Hide decorative elements that aren't essential on mobile */
    .page-hero::before,
    .cs-welcome-banner::before {
        display: none;
    }
}

/* Smaller animations for users who prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01s !important;
        transition-duration: 0.01s !important;
    }
}