:root {
  --black: #111111;
  --ink: #1d1d1f;
  --muted: #5d6066;
  --line: #e7e5e0;
  --paper: #ffffff;
  --cream: #f7f5f0;
  --red: #e0413a;
  --red-dark: #c4302a;
  --teal: #2e9c8c;
  --teal-soft: #e3f3f0;
  --gold: #f2b935;
  --gold-soft: #fff4d6;
  --radius: 16px;
  --shadow: 0 10px 30px rgba(17, 17, 17, .08);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; font-family: Poppins, system-ui, -apple-system, "Segoe UI", sans-serif; color: var(--ink); background: var(--paper); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .6em; color: var(--black); }
h1 { font-size: clamp(1.9rem, 4.2vw, 3.1rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; letter-spacing: -.01em; }
h3 { font-size: 1.1rem; font-weight: 600; }
p { margin: 0 0 1em; }
.wrap { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.center { text-align: center; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.skip { position: absolute; left: -999px; top: 8px; background: var(--black); color: #fff; padding: 8px 14px; z-index: 100; border-radius: 8px; }
.skip:focus { left: 8px; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 999px; font-weight: 600; font-size: .95rem; text-decoration: none; border: 2px solid transparent; transition: transform .15s, background .15s, box-shadow .15s; cursor: pointer; font-family: inherit; white-space: nowrap; }
.btn svg { width: 18px; height: 18px; fill: currentColor; }
.btn:hover { transform: translateY(-1px); }
.btn-red { background: var(--red); color: #fff; box-shadow: 0 6px 18px rgba(224, 65, 58, .35); }
.btn-red:hover { background: var(--red-dark); }
.btn-dark { background: var(--black); color: #fff; }
.btn-ghost { border-color: rgba(255, 255, 255, .55); color: #fff; }
.btn-ghost:hover { background: rgba(255, 255, 255, .1); }
.btn-ghost-dark { border-color: var(--black); color: var(--black); margin: 4px; }

/* top bar + header */
.topbar { background: var(--black); color: #d9d9d9; font-size: .8rem; }
.topbar-in { display: flex; justify-content: space-between; gap: 16px; padding-top: 7px; padding-bottom: 7px; }
.topbar-links { display: flex; gap: 20px; }
.topbar a { text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.topbar svg { width: 14px; height: 14px; fill: var(--gold); }
.header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.header-in { display: flex; align-items: center; gap: 24px; height: 84px; }
.brand img { height: 64px; width: auto; }
.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav > a, .nav-top { padding: 10px 14px; text-decoration: none; font-weight: 500; font-size: .95rem; border-radius: 10px; display: block; }
.nav > a:hover, .nav-top:hover { background: var(--cream); }
.nav-group { position: relative; }
.nav-top::after { content: "▾"; font-size: .7em; margin-left: 6px; color: var(--muted); }
.nav-menu { position: absolute; top: 100%; left: 0; min-width: 230px; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); padding: 8px; display: none; }
.nav-group:hover .nav-menu, .nav-group:focus-within .nav-menu { display: block; }
.nav-menu a { display: block; padding: 10px 12px; border-radius: 8px; text-decoration: none; font-size: .93rem; }
.nav-menu a:hover { background: var(--teal-soft); color: var(--teal); }
.nav-partner { display: none !important; }
.btn-partner { background: var(--red); color: #fff; padding: 11px 20px; box-shadow: 0 6px 18px rgba(224, 65, 58, .3); }
.btn-partner:hover { background: var(--red-dark); }
.menu-btn { display: none; width: 44px; height: 44px; border: 0; background: transparent; padding: 10px; cursor: pointer; }
.menu-btn span { display: block; height: 2px; background: var(--black); margin: 5px 0; border-radius: 2px; transition: .2s; }

/* hero */
.hero { background: radial-gradient(1200px 500px at 80% -10%, rgba(46, 156, 140, .35), transparent 60%), var(--black); color: #fff; padding: 72px 0 84px; overflow: hidden; }
.hero-in { display: grid; grid-template-columns: 1.35fr 1fr; gap: 56px; align-items: center; }
.hero h1 { color: #fff; }
.hl { color: var(--gold); }
.lead { font-size: 1.08rem; color: #cfcfcf; max-width: 620px; }
.eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 700; color: var(--teal); margin-bottom: 12px; }
.eyebrow-gold { color: var(--gold); }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 36px; }
.hero-stats { list-style: none; padding: 0; margin: 0; display: flex; gap: 36px; flex-wrap: wrap; }
.hero-stats strong { display: block; font-size: 1.9rem; font-weight: 800; color: #fff; }
.hero-stats span { color: #a9a9a9; font-size: .85rem; }
.hero-card { background: #fff; color: var(--ink); border-radius: 24px; padding: 32px; box-shadow: 0 30px 60px rgba(0, 0, 0, .35); position: relative; }
.hero-card::before { content: ""; position: absolute; inset: -10px 18px auto auto; width: 70px; height: 70px; border-radius: 50%; background: var(--gold); z-index: -1; }
.hero-card-tag { margin: 0; color: var(--muted); font-weight: 500; }
.hero-card-rate { font-size: 3.6rem; font-weight: 800; color: var(--black); margin: 0; line-height: 1.1; }
.hero-card-rate small { font-size: 1rem; color: var(--muted); font-weight: 500; margin-left: 4px; }
.hero-card-note { color: var(--muted); font-size: .9rem; }
.hero-card-link { font-weight: 600; color: var(--teal); text-decoration: none; }
.chart { display: flex; align-items: flex-end; gap: 8px; height: 110px; margin: 10px 0 18px; border-bottom: 3px solid var(--black); }
.chart span { flex: 1; background: var(--red); border-radius: 4px 4px 0 0; }
.chart span:last-child { background: var(--teal); }

/* page hero (loan pages) */
.page-hero { background: radial-gradient(900px 400px at 90% 0, rgba(46, 156, 140, .35), transparent 60%), var(--black); color: #fff; padding: 36px 0 64px; }
.page-hero h1 { color: #fff; }
.page-hero-in { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; }
.page-hero-icon { width: 180px; height: 180px; border-radius: 40px; background: linear-gradient(135deg, var(--red), #f06a4f); display: grid; place-items: center; transform: rotate(-4deg); box-shadow: 0 20px 50px rgba(224, 65, 58, .35); }
.page-hero-icon svg { width: 96px; height: 96px; fill: #fff; }
.crumbs { font-size: .85rem; color: #a9a9a9; margin-bottom: 28px; }
.crumbs a { color: #fff; }

/* refer */
.refer { background: linear-gradient(90deg, var(--gold), #ffd36b); }
.refer-in { display: flex; align-items: center; gap: 28px; padding-top: 26px; padding-bottom: 26px; }
.refer-badge { background: var(--red); color: #fff; font-weight: 800; padding: 14px 18px; border-radius: 14px; transform: rotate(-3deg); white-space: nowrap; font-size: 1.05rem; }
.refer-text { flex: 1; }
.refer h2 { font-size: clamp(1.25rem, 2.4vw, 1.7rem); margin: 0 0 4px; }
.refer h2 span { color: var(--red-dark); }
.refer p { margin: 0; color: #3a3220; }

/* sections */
.section { padding: 84px 0; }
.section-alt { background: var(--cream); }
.section-dark { background: var(--black); color: #d8d8d8; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-head { max-width: 680px; margin-bottom: 40px; }
.section-head p:last-child { color: var(--muted); }
.grid { display: grid; gap: 22px; }
.cards { grid-template-columns: repeat(4, 1fr); }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; text-decoration: none; display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s, border-color .2s; position: relative; overflow: hidden; }
.card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--red); transform: scaleX(0); transform-origin: left; transition: transform .25s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card:hover::after { transform: scaleX(1); }
.card-icon { width: 54px; height: 54px; border-radius: 14px; background: var(--black); display: grid; place-items: center; margin-bottom: 18px; }
.card-icon svg { width: 28px; height: 28px; fill: var(--gold); }
.card-tag { font-size: .78rem; font-weight: 700; color: var(--teal); background: var(--teal-soft); align-self: flex-start; padding: 4px 10px; border-radius: 999px; margin-bottom: 10px; }
.card h3 small { font-weight: 500; color: var(--muted); font-size: .8em; }
.card p { color: var(--muted); font-size: .93rem; flex: 1; }
.card-more { color: var(--red); font-weight: 600; font-size: .9rem; }
.ins { grid-template-columns: repeat(3, 1fr); }
.ins-card { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--line); }
.ins-card p { color: var(--muted); margin: 0; }
.ins-icon { width: 50px; height: 50px; border-radius: 50%; background: var(--teal); display: grid; place-items: center; margin-bottom: 16px; }
.ins-icon svg { width: 24px; height: 24px; fill: #fff; }

/* rates */
.tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; }
.tabs button { font-family: inherit; font-size: .92rem; font-weight: 600; padding: 10px 18px; border-radius: 999px; border: 1.5px solid var(--line); background: #fff; cursor: pointer; }
.tabs button[aria-selected="true"] { background: var(--black); color: #fff; border-color: var(--black); }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
table.rates { width: 100%; border-collapse: collapse; font-size: .93rem; min-width: 560px; }
.rates th { text-align: left; background: var(--black); color: #fff; font-weight: 600; padding: 14px 18px; }
.rates td { padding: 13px 18px; border-top: 1px solid var(--line); vertical-align: top; }
.rates tr:nth-child(even) td { background: #fbfaf7; }
.rates td.rate { font-weight: 700; color: var(--teal); white-space: nowrap; }
.fine { font-size: .82rem; color: var(--muted); margin-top: 14px; }

/* EMI */
.emi-in { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: center; }
.emi { background: #fff; border-radius: 24px; padding: 30px; box-shadow: var(--shadow); }
.emi label { display: block; margin-bottom: 22px; font-weight: 500; }
.emi label span { display: flex; justify-content: space-between; margin-bottom: 8px; }
.emi output { font-weight: 700; color: var(--black); }
.emi input[type=range] { width: 100%; accent-color: var(--red); height: 6px; }
.emi-result { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 12px; background: var(--black); color: #fff; border-radius: 16px; padding: 18px; }
.emi-result small { display: block; color: #a9a9a9; font-size: .78rem; }
.emi-result strong { font-size: 1.6rem; color: var(--gold); }
.emi-result b { font-size: 1.05rem; }

/* about */
.about-in { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.years { display: inline-flex; align-items: center; gap: 14px; margin-top: 12px; border: 2px solid var(--gold); border-radius: 18px; padding: 14px 22px; }
.years strong { font-size: 2.6rem; color: var(--gold); font-weight: 800; }
.years span { color: #fff; font-weight: 500; line-height: 1.3; }
.why { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.why li { display: flex; gap: 16px; background: #1b1b1b; border: 1px solid #2a2a2a; border-radius: 14px; padding: 18px; }
.why h3 { margin-bottom: 4px; font-size: 1rem; }
.why p { margin: 0; font-size: .92rem; color: #b5b5b5; }
.tick { flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--teal); display: grid; place-items: center; }
.tick svg { width: 18px; height: 18px; fill: #fff; }

/* loan detail lists */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }
.ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.ticks li { display: flex; gap: 12px; align-items: flex-start; }
.ticks svg { flex: none; width: 22px; height: 22px; fill: #fff; background: var(--teal); border-radius: 50%; padding: 3px; margin-top: 2px; }
.doc-h { font-size: 1rem; margin: 18px 0 8px; color: var(--red); }
.doc-h:first-of-type { margin-top: 0; }
.docs { margin: 0; padding-left: 20px; color: var(--muted); }
.docs li { margin-bottom: 4px; }

/* testimonials */
.quotes { grid-template-columns: 1fr 1fr; }
.quote { margin: 0; background: #fff; border-radius: var(--radius); padding: 30px; border-left: 5px solid var(--red); }
.quote blockquote { margin: 0 0 18px; font-size: 1.02rem; }
.quote blockquote::before { content: "“"; display: block; font-size: 3rem; line-height: .6; color: var(--gold); font-family: Georgia, serif; margin-bottom: 8px; }
.quote figcaption { font-weight: 700; }
.quote figcaption span { display: block; font-weight: 400; color: var(--muted); font-size: .85rem; }

/* faq */
.faqs details { border: 1px solid var(--line); border-radius: 14px; padding: 4px 20px; margin-bottom: 12px; background: #fff; }
.faqs summary { cursor: pointer; font-weight: 600; padding: 14px 0; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faqs summary::-webkit-details-marker { display: none; }
.faqs summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--red); }
.faqs details[open] summary::after { content: "–"; }
.faqs details p { color: var(--muted); }

/* contact */
.contact-in { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }
.contact-list { list-style: none; padding: 0; margin: 0 0 22px; display: grid; gap: 14px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; }
.contact-list a { text-decoration: none; }
.contact-list a:hover { color: var(--red); }
.ci { flex: none; width: 40px; height: 40px; border-radius: 12px; background: var(--black); display: grid; place-items: center; }
.ci svg { width: 20px; height: 20px; fill: var(--gold); }
.map { width: 100%; height: 240px; border: 0; border-radius: var(--radius); }
.enquiry { background: var(--cream); border-radius: 24px; padding: 32px; align-self: start; }
.form-note { color: var(--muted); font-size: .9rem; }
.enquiry label { display: block; font-weight: 500; font-size: .92rem; margin-bottom: 16px; }
.enquiry input, .enquiry select { display: block; width: 100%; margin-top: 6px; padding: 13px 14px; font: inherit; border: 1.5px solid var(--line); border-radius: 12px; background: #fff; }
.enquiry input:focus, .enquiry select:focus { outline: 2px solid var(--teal); border-color: transparent; }
.enquiry .btn { width: 100%; margin-top: 6px; }

/* partner band + footer */
.partner-band { background: var(--teal); color: #fff; }
.partner-in { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 34px; padding-bottom: 34px; }
.partner-band h2 { color: #fff; margin-bottom: 4px; font-size: 1.5rem; }
.partner-band p { margin: 0; color: #e3f5f2; }
.footer { background: var(--black); color: #bdbdbd; padding: 64px 0 0; font-size: .92rem; }
.footer-in { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.footer h3 { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.footer a { display: block; text-decoration: none; margin-bottom: 9px; }
.footer a:hover { color: var(--gold); }
.footer-logo { display: inline-block; background: #fff; border-radius: 12px; padding: 8px 12px; margin-bottom: 14px; }
.footer-logo img { height: 58px; width: auto; }
.copy { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; border-top: 1px solid #262626; margin-top: 40px; padding-top: 20px; padding-bottom: 24px; font-size: .84rem; }
.socials { display: flex; gap: 18px; }
.socials a { margin: 0; }
.wa-float { position: fixed; right: 18px; bottom: 18px; width: 58px; height: 58px; border-radius: 50%; background: #25d366; display: grid; place-items: center; box-shadow: 0 10px 25px rgba(0, 0, 0, .25); z-index: 60; }
.wa-float svg { width: 32px; height: 32px; fill: #fff; }

/* responsive */
@media (max-width: 1080px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .nav > a, .nav-top { padding: 10px 9px; }
}
@media (max-width: 920px) {
  .header-in { height: 70px; gap: 12px; }
  .brand img { height: 52px; }
  .menu-btn { display: block; }
  .btn-partner { margin-left: auto; padding: 9px 14px; font-size: .85rem; }
  .nav { position: fixed; inset: 70px 0 auto 0; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 10px 20px 20px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none; max-height: calc(100vh - 70px); overflow-y: auto; }
  .nav.open { display: flex; }
  .nav > a, .nav-top { padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav-menu { position: static; display: block; box-shadow: none; border: 0; padding: 0 0 6px 12px; }
  .nav-top::after { display: none; }
  .menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .hero-in, .about-in, .contact-in, .emi-in, .two-col { grid-template-columns: 1fr; gap: 36px; }
  .hero { padding: 48px 0 56px; }
  .page-hero-icon { display: none; }
  .page-hero-in { grid-template-columns: 1fr; }
  .ins, .quotes, .cards-3 { grid-template-columns: 1fr; }
  .footer-in { grid-template-columns: 1fr 1fr; }
  .refer-in { flex-direction: column; align-items: flex-start; gap: 14px; }
  .partner-in { flex-direction: column; align-items: flex-start; }
  .section { padding: 60px 0; }
}
@media (max-width: 560px) {
  .wrap { padding: 0 16px; }
  .topbar-in > span:first-child { display: none; }
  .topbar-links { width: 100%; justify-content: space-between; gap: 10px; }
  .btn-partner svg { display: none; }
  .brand img { height: 46px; }
  .cards { grid-template-columns: 1fr; }
  .hero-stats { gap: 22px; }
  .hero-stats strong { font-size: 1.5rem; }
  .hero-card { padding: 24px; }
  .hero-card-rate { font-size: 2.8rem; }
  .emi { padding: 22px; }
  .emi-result { grid-template-columns: 1fr 1fr; }
  .emi-result > div:first-child { grid-column: 1 / -1; }
  .footer-in { grid-template-columns: 1fr; }
  .hero-ctas .btn { width: 100%; }
  .enquiry { padding: 22px; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}

/* Gujarat areas */
.areas { background: var(--black); color: #cfcfcf; padding: 48px 0; }
.areas h2 { color: #fff; font-size: 1.5rem; }
.areas ul { list-style: none; padding: 0; margin: 18px 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.areas li { border: 1px solid #333; border-radius: 999px; padding: 6px 14px; font-size: .88rem; color: #fff; }
.areas li:first-child { background: var(--red); border-color: var(--red); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }