/*
Theme Name: Paisa Hai
Theme URI: https://paisahai.com
Author: Paisa Hai Team
Author URI: https://paisahai.com
Description: Premium Fintech WordPress Theme for Paisa Hai — Lead Generation & Partner Onboarding
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: paisahai
Tags: fintech, loan, finance, corporate, premium, lead-generation
*/

/* ============================================================
   CSS VARIABLES — PAISA HAI BRAND PALETTE
   ============================================================ */
:root {
  --ph-navy:      #001489;   /* deep brand blue */
  --ph-blue:      #0033CC;
  --ph-mid-blue:  #1A56DB;
  --ph-sky:       #2563EB;
  --ph-accent:    #4FC3F7;   /* light blue accent — works on dark backgrounds */
  --ph-white:     #FFFFFF;
  --ph-off-white: #F5F7FA;
  --ph-light:     #E8EEF8;
  --ph-gray:      #6B7280;
  --ph-dark:      #111827;
  --ph-black:     #0A0A0A;

  --ph-gradient:  linear-gradient(135deg, #001489 0%, #0033CC 50%, #1A56DB 100%);
  --ph-gradient-r:linear-gradient(135deg, #1A56DB 0%, #0033CC 50%, #001489 100%);

  --ph-shadow-sm: 0 2px 8px rgba(0,20,137,0.12);
  --ph-shadow:    0 8px 32px rgba(0,20,137,0.18);
  --ph-shadow-lg: 0 20px 60px rgba(0,20,137,0.25);

  --ph-radius:    12px;
  --ph-radius-lg: 20px;

  --ph-font-head: 'Sora', sans-serif;
  --ph-font-body: 'DM Sans', sans-serif;

  --ph-transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--ph-font-body);
  color: var(--ph-dark);
  background: var(--ph-white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--ph-navy); text-decoration: none; transition: var(--ph-transition); }
a:hover { color: var(--ph-mid-blue); }

img { max-width: 100%; height: auto; display: block; }

h1,h2,h3,h4,h5,h6 {
  font-family: var(--ph-font-head);
  font-weight: 700;
  line-height: 1.2;
  color: var(--ph-dark);
}

p { margin-bottom: 1rem; }

ul, ol { list-style: none; }

/* ============================================================
   UTILITY CLASSES
   ============================================================ */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 56px 0; }

.text-center { text-align: center; }
.text-white { color: var(--ph-white) !important; }

.section-tag {
  display: inline-block;
  background: var(--ph-light);
  color: var(--ph-navy);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 100px;
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 16px;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--ph-gray);
  max-width: 560px;
  margin: 0 auto 48px;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--ph-radius);
  font-family: var(--ph-font-head);
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: var(--ph-transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--ph-gradient);
  color: var(--ph-white);
  box-shadow: 0 4px 20px rgba(0,20,137,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(0,20,137,0.45);
  color: var(--ph-white);
}

.btn-gold {
  background: linear-gradient(135deg, #FFFFFF, #EEF3FF);
  color: var(--ph-navy);
  box-shadow: 0 4px 20px rgba(255,255,255,0.35);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(255,255,255,0.5);
  color: var(--ph-navy);
}

.btn-outline {
  background: transparent;
  color: var(--ph-white);
  border: 2px solid rgba(255,255,255,0.7);
}
.btn-outline:hover {
  background: var(--ph-white);
  color: var(--ph-navy);
  border-color: var(--ph-white);
}

.btn-outline-dark {
  background: transparent;
  color: var(--ph-navy);
  border: 2px solid var(--ph-navy);
}
.btn-outline-dark:hover {
  background: var(--ph-navy);
  color: var(--ph-white);
}

.btn-sm { padding: 10px 22px; font-size: 0.88rem; }
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }

/* ============================================================
   HEADER / NAVIGATION
   ============================================================ */
#site-header {
  position: fixed;
  top: 0;
  width: 100%;
  z-index: 9999;
  background: var(--ph-white);
  border-bottom: 1px solid var(--ph-light);
  transition: var(--ph-transition);
}

#site-header.scrolled {
  box-shadow: var(--ph-shadow);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}

.site-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-circle {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--ph-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-circle span {
  color: white;
  font-family: var(--ph-font-head);
  font-weight: 800;
  font-size: 0.75rem;
  text-align: center;
  line-height: 1;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-text .l1 {
  font-family: var(--ph-font-head);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--ph-navy);
}

.logo-text .l1 span { color: var(--ph-mid-blue); }

.logo-text .l2 {
  font-size: 0.7rem;
  color: var(--ph-gray);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Navigation */
.main-nav { display: flex; align-items: center; gap: 4px; }

.main-nav a {
  display: block;
  padding: 8px 14px;
  color: var(--ph-dark);
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: 8px;
  transition: var(--ph-transition);
}

.main-nav a:hover, .main-nav a.active {
  background: var(--ph-light);
  color: var(--ph-navy);
}

.header-cta { display: flex; align-items: center; gap: 10px; }

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border: none;
  background: none;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--ph-navy);
  border-radius: 2px;
  transition: var(--ph-transition);
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero-section {
  min-height: 100vh;
  background: var(--ph-gradient);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 72px;
}

.hero-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 80% 20%, rgba(255,255,255,0.06) 0%, transparent 50%),
    radial-gradient(circle at 10% 80%, rgba(0,0,0,0.15) 0%, transparent 50%);
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 80px 0 100px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 100px;
  padding: 8px 20px;
  color: rgba(255,255,255,0.9);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}

.hero-badge .dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: #4ADE80;
  animation: pulse-green 2s ease-in-out infinite;
}

@keyframes pulse-green {
  0%,100% { box-shadow: 0 0 0 0 rgba(74,222,128,0.5); }
  50% { box-shadow: 0 0 0 6px rgba(74,222,128,0); }
}

.hero-heading {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  font-weight: 900;
  color: var(--ph-white);
  line-height: 1.1;
  margin-bottom: 20px;
}

.hero-heading .highlight {
  color: var(--ph-accent);
  position: relative;
}

.hero-sub {
  color: rgba(255,255,255,0.8);
  font-size: 1.1rem;
  margin-bottom: 12px;
}

.hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 36px;
}

.hero-pill {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: var(--ph-white);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 600;
}

.hero-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 48px;
}

.hero-stats {
  display: flex;
  gap: 32px;
}

.hero-stat-item { color: var(--ph-white); }
.hero-stat-item .num {
  font-family: var(--ph-font-head);
  font-size: 1.8rem;
  font-weight: 800;
  display: block;
}
.hero-stat-item .lbl {
  font-size: 0.8rem;
  opacity: 0.7;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* Hero visual card */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-card {
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: var(--ph-radius-lg);
  padding: 28px 32px;
  color: var(--ph-white);
}

.hero-card-title {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.7;
  margin-bottom: 16px;
}

.loan-types {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.loan-type-item {
  background: rgba(255,255,255,0.1);
  border-radius: var(--ph-radius);
  padding: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--ph-transition);
  border: 1px solid transparent;
}

.loan-type-item:hover {
  background: rgba(255,255,255,0.2);
  border-color: rgba(255,255,255,0.3);
}

.loan-type-item .icon {
  width: 32px; height: 32px;
  border-radius: 8px;
  background: rgba(255,255,255,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.partner-card {
  background: linear-gradient(135deg, rgba(96,165,250,0.15), rgba(37,99,235,0.12));
  border-color: rgba(96,165,250,0.35) !important;
}

.commission-highlight {
  font-size: 2rem;
  font-weight: 900;
  color: var(--ph-accent);
}

/* ============================================================
   MARQUEE TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--ph-navy);
  padding: 14px 0;
  overflow: hidden;
}

.marquee-track {
  display: flex;
  gap: 60px;
  animation: marquee 30s linear infinite;
  width: max-content;
}

.marquee-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.8);
  font-size: 0.85rem;
  font-weight: 600;
  white-space: nowrap;
}

.marquee-item .m-icon {
  font-size: 1.1rem;
  color: var(--ph-accent);
}

@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ============================================================
   SERVICES SECTION
   ============================================================ */
.services-section { background: var(--ph-off-white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.service-card {
  background: var(--ph-white);
  border-radius: var(--ph-radius-lg);
  padding: 36px 28px;
  border: 1px solid var(--ph-light);
  transition: var(--ph-transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--ph-gradient);
  transform: scaleX(0);
  transition: var(--ph-transition);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--ph-shadow-lg);
}

.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 60px; height: 60px;
  border-radius: 16px;
  background: var(--ph-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
}

.service-card h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
  color: var(--ph-dark);
}

.service-card p {
  color: var(--ph-gray);
  font-size: 0.9rem;
  margin-bottom: 20px;
}

.service-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.82rem;
}

.service-rate {
  font-weight: 700;
  color: var(--ph-navy);
}

.service-link {
  color: var(--ph-mid-blue);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 4px;
}

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-section { background: var(--ph-white); }

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.why-visual {
  position: relative;
}

.why-big-card {
  background: var(--ph-gradient);
  border-radius: var(--ph-radius-lg);
  padding: 48px 40px;
  color: var(--ph-white);
  position: relative;
  overflow: hidden;
}

.why-big-card::after {
  content: '₹';
  position: absolute;
  right: -20px; bottom: -20px;
  font-size: 140px;
  font-weight: 900;
  opacity: 0.06;
  font-family: var(--ph-font-head);
}

.why-big-card .big-num {
  font-size: 4rem;
  font-weight: 900;
  line-height: 1;
  color: var(--ph-accent);
}

.why-big-card .big-label {
  font-size: 1.1rem;
  opacity: 0.85;
  margin-top: 8px;
}

.why-float-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--ph-white);
  border-radius: var(--ph-radius-lg);
  padding: 20px 24px;
  box-shadow: var(--ph-shadow-lg);
  text-align: center;
}

.why-float-badge .fb-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--ph-navy);
  display: block;
}

.why-float-badge .fb-lbl {
  font-size: 0.78rem;
  color: var(--ph-gray);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.why-points {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.why-point {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.wp-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--ph-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.wp-text h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.wp-text p {
  font-size: 0.88rem;
  color: var(--ph-gray);
  margin: 0;
}

/* ============================================================
   PARTNER SECTION
   ============================================================ */
.partner-section {
  background: var(--ph-gradient);
  position: relative;
  overflow: hidden;
}

.partner-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 90% 50%, rgba(255,255,255,0.05), transparent 60%);
}

.partner-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.partner-content .section-tag { background: rgba(255,255,255,0.15); color: white; }
.partner-content .section-title { color: white; }
.partner-content .section-sub { color: rgba(255,255,255,0.75); max-width: none; margin-bottom: 32px; }

.partner-perks {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 36px;
}

.perk-item {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--ph-radius);
  padding: 20px 18px;
  color: white;
}

.perk-icon { font-size: 1.6rem; margin-bottom: 8px; }
.perk-title { font-weight: 700; font-size: 0.95rem; margin-bottom: 4px; }
.perk-desc { font-size: 0.82rem; opacity: 0.75; }

.partner-steps {
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--ph-radius-lg);
  padding: 36px;
  color: white;
}

.partner-steps h4 {
  color: var(--ph-accent);
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 24px;
}

.step-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.step-item {
  display: flex;
  align-items: center;
  gap: 16px;
}

.step-num {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--ph-accent);
  color: var(--ph-white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  font-size: 0.9rem;
  flex-shrink: 0;
}

.step-text { font-size: 0.95rem; opacity: 0.9; font-weight: 600; }

/* ============================================================
   EMI CALCULATOR
   ============================================================ */
.emi-section { background: var(--ph-off-white); }

.emi-wrap {
  max-width: 780px;
  margin: 0 auto;
  background: var(--ph-white);
  border-radius: var(--ph-radius-lg);
  box-shadow: var(--ph-shadow-lg);
  overflow: hidden;
}

.emi-header {
  background: var(--ph-gradient);
  padding: 32px 40px;
  color: white;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.emi-header h3 { font-size: 1.4rem; color: white; }
.emi-header p { color: rgba(255,255,255,0.75); font-size: 0.9rem; margin: 0; }

.emi-result-preview {
  text-align: right;
}

.emi-result-preview .emi-num {
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--ph-accent);
  display: block;
}
.emi-result-preview .emi-lbl {
  font-size: 0.78rem;
  opacity: 0.75;
  text-transform: uppercase;
}

.emi-body { padding: 40px; }

.emi-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}

.emi-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ph-gray);
  margin-bottom: 8px;
}

.emi-field input[type="range"] {
  width: 100%;
  height: 6px;
  accent-color: var(--ph-navy);
  cursor: pointer;
}

.emi-field .val-display {
  font-family: var(--ph-font-head);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--ph-navy);
  margin-bottom: 8px;
  display: block;
}

.emi-results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  padding: 24px;
  background: var(--ph-off-white);
  border-radius: var(--ph-radius);
}

.emi-res-item {
  text-align: center;
  padding: 16px;
  background: var(--ph-white);
  border-radius: var(--ph-radius);
  border: 1px solid var(--ph-light);
}

.emi-res-item .res-val {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--ph-navy);
  display: block;
  font-family: var(--ph-font-head);
}

.emi-res-item .res-lbl {
  font-size: 0.78rem;
  color: var(--ph-gray);
  margin-top: 4px;
}

/* ============================================================
   CONTACT / TRUST SECTION
   ============================================================ */
.contact-info-section { background: var(--ph-white); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.contact-info-card {
  background: var(--ph-off-white);
  border-radius: var(--ph-radius-lg);
  padding: 40px;
}

.contact-info-items { display: flex; flex-direction: column; gap: 24px; }

.ci-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.ci-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--ph-gradient);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  color: white;
  flex-shrink: 0;
}

.ci-text .ci-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ph-gray);
  font-weight: 700;
  display: block;
  margin-bottom: 4px;
}

.ci-text a, .ci-text p {
  font-weight: 600;
  color: var(--ph-dark);
  font-size: 0.95rem;
  margin: 0;
}

.ci-text a:hover { color: var(--ph-navy); }

/* ============================================================
   FORMS (LOAN & PARTNER)
   ============================================================ */
.form-section { background: var(--ph-off-white); }

.form-wrap {
  max-width: 640px;
  margin: 0 auto;
  background: var(--ph-white);
  border-radius: var(--ph-radius-lg);
  box-shadow: var(--ph-shadow-lg);
  overflow: hidden;
}

.form-header {
  background: var(--ph-gradient);
  padding: 36px 40px;
  text-align: center;
  color: white;
}

.form-header h2 { color: white; font-size: 1.7rem; }
.form-header p { color: rgba(255,255,255,0.8); margin: 8px 0 0; }

.form-body { padding: 40px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--ph-dark);
  margin-bottom: 8px;
}

.form-group label .req { color: #EF4444; }

.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 2px solid var(--ph-light);
  border-radius: var(--ph-radius);
  font-family: var(--ph-font-body);
  font-size: 0.95rem;
  color: var(--ph-dark);
  background: var(--ph-white);
  transition: var(--ph-transition);
  outline: none;
}

.form-control:focus {
  border-color: var(--ph-mid-blue);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.12);
}

.form-control::placeholder { color: #9CA3AF; }

select.form-control { cursor: pointer; }

/* OTP Field */
.otp-wrapper { position: relative; }

.otp-input-row {
  display: flex;
  gap: 10px;
}

.otp-input-row .form-control {
  flex: 1;
  letter-spacing: 0.2em;
  font-weight: 700;
  text-align: center;
  font-size: 1.2rem;
}

.otp-step { display: none; }
.otp-step.active { display: block; }

.phone-row { display: flex; gap: 10px; }
.phone-row .form-control { flex: 1; }

.send-otp-btn {
  padding: 13px 20px;
  background: var(--ph-gradient);
  color: white;
  border: none;
  border-radius: var(--ph-radius);
  font-weight: 700;
  font-size: 0.88rem;
  cursor: pointer;
  transition: var(--ph-transition);
  white-space: nowrap;
}

.send-otp-btn:hover { opacity: 0.9; transform: translateY(-1px); }
.send-otp-btn:disabled { opacity: 0.6; cursor: not-allowed; }

.otp-status {
  font-size: 0.82rem;
  margin-top: 6px;
  min-height: 18px;
  font-weight: 600;
}

.otp-status.success { color: #059669; }
.otp-status.error { color: #DC2626; }
.otp-status.info { color: var(--ph-mid-blue); }

.verify-btn {
  width: 100%;
  padding: 13px;
  background: var(--ph-gradient-r);
  color: white;
  border: none;
  border-radius: var(--ph-radius);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  margin-top: 10px;
  transition: var(--ph-transition);
}

.verify-btn:hover { opacity: 0.9; transform: translateY(-1px); }

.form-submit {
  width: 100%;
  padding: 16px;
  font-size: 1.05rem;
  margin-top: 8px;
}

.form-success {
  display: none;
  text-align: center;
  padding: 48px 24px;
}

.form-success .success-icon {
  font-size: 4rem;
  margin-bottom: 16px;
}

.form-success h3 {
  font-size: 1.5rem;
  color: var(--ph-navy);
  margin-bottom: 8px;
}

.form-success p {
  color: var(--ph-gray);
  max-width: 320px;
  margin: 0 auto;
}

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: var(--ph-gradient);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(255,255,255,0.06), transparent 60%);
}

.cta-banner h2 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  color: white;
  margin-bottom: 16px;
  position: relative;
}

.cta-banner p {
  color: rgba(255,255,255,0.8);
  font-size: 1.1rem;
  max-width: 560px;
  margin: 0 auto 36px;
  position: relative;
}

.cta-btns { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; position: relative; }

/* ============================================================
   FOOTER
   ============================================================ */
#site-footer {
  background: var(--ph-black);
  color: rgba(255,255,255,0.7);
}

.footer-top {
  padding: 64px 0 40px;
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand .logo-text .l1 { color: white; }
.footer-brand .logo-text .l2 { color: rgba(255,255,255,0.4); }

.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.7;
  margin: 16px 0 24px;
  max-width: 260px;
}

.social-links { display: flex; gap: 10px; }

.social-link {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  transition: var(--ph-transition);
  border: 1px solid rgba(255,255,255,0.1);
}

.social-link:hover {
  background: var(--ph-mid-blue);
  color: white;
  border-color: var(--ph-mid-blue);
}

.footer-col h5 {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: white;
  margin-bottom: 18px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col ul li a {
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  transition: var(--ph-transition);
}

.footer-col ul li a:hover { color: white; }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.82rem;
}

.footer-bottom p { margin: 0; }

.footer-links { display: flex; gap: 20px; }
.footer-links a { color: rgba(255,255,255,0.5); font-size: 0.82rem; }
.footer-links a:hover { color: white; }

/* ============================================================
   FLOATING BUTTONS
   ============================================================ */
.floating-buttons {
  position: fixed;
  bottom: 28px;
  right: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 9000;
}

.float-btn {
  width: 52px; height: 52px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  box-shadow: 0 6px 24px rgba(0,0,0,0.25);
  cursor: pointer;
  transition: var(--ph-transition);
  text-decoration: none;
  border: none;
}

.float-btn:hover { transform: scale(1.1); }

.float-wa { background: #25D366; color: white; }
.float-call { background: var(--ph-gradient); color: white; }

.float-label {
  position: absolute;
  right: 64px;
  background: var(--ph-dark);
  color: white;
  font-size: 0.78rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 6px;
  white-space: nowrap;
  opacity: 0;
  transform: translateX(8px);
  transition: var(--ph-transition);
  pointer-events: none;
}

.float-btn:hover .float-label { opacity: 1; transform: translateX(0); }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: var(--ph-gradient);
  padding: 120px 0 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 80%, rgba(0,0,0,0.15), transparent 50%);
}

.page-hero h1 {
  font-size: clamp(2rem, 5vw, 3rem);
  color: white;
  position: relative;
  margin-bottom: 12px;
}

.page-hero p {
  color: rgba(255,255,255,0.8);
  font-size: 1.1rem;
  position: relative;
  margin: 0;
}

.breadcrumb {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 16px;
  font-size: 0.85rem;
  position: relative;
}

.breadcrumb a { color: rgba(255,255,255,0.65); }
.breadcrumb span { color: rgba(255,255,255,0.4); }
.breadcrumb .current { color: var(--ph-accent); font-weight: 600; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-mission {
  background: var(--ph-white);
}

.mission-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.mission-visual {
  background: var(--ph-gradient);
  border-radius: var(--ph-radius-lg);
  padding: 56px 40px;
  color: white;
  position: relative;
  overflow: hidden;
}

.mission-visual::after {
  content: 'पैसा';
  position: absolute;
  right: -10px; bottom: -20px;
  font-size: 100px;
  opacity: 0.06;
  font-weight: 900;
}

.mission-stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 32px;
}

.mission-stat {
  background: rgba(255,255,255,0.12);
  border-radius: var(--ph-radius);
  padding: 20px;
  border: 1px solid rgba(255,255,255,0.2);
}

.mission-stat .ms-num {
  font-size: 2rem;
  font-weight: 900;
  color: var(--ph-accent);
  display: block;
}

.mission-stat .ms-lbl {
  font-size: 0.82rem;
  opacity: 0.75;
}

.team-section { background: var(--ph-off-white); }

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.value-card {
  background: var(--ph-white);
  border-radius: var(--ph-radius-lg);
  padding: 32px 24px;
  text-align: center;
  border: 1px solid var(--ph-light);
  transition: var(--ph-transition);
}

.value-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--ph-shadow);
  border-color: var(--ph-light);
}

.value-icon { font-size: 2.5rem; margin-bottom: 16px; }
.value-card h4 { margin-bottom: 8px; }
.value-card p { font-size: 0.88rem; color: var(--ph-gray); margin: 0; }

/* ============================================================
   RESPONSIVE — TABLET
   ============================================================ */
@media (max-width: 1024px) {
  .hero-grid,
  .why-grid,
  .partner-grid,
  .mission-grid,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }

  .hero-visual { display: none; }
}

/* ============================================================
   RESPONSIVE — MOBILE
   ============================================================ */
@media (max-width: 768px) {
  .section-pad { padding: 56px 0; }

  .main-nav,
  .header-cta { display: none; }

  .menu-toggle { display: flex; }

  .mobile-nav {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--ph-white);
    border-bottom: 2px solid var(--ph-light);
    padding: 16px 24px 24px;
    box-shadow: var(--ph-shadow-lg);
    display: flex;
    flex-direction: column;
    gap: 8px;
    transform: translateY(-110%);
    transition: var(--ph-transition);
    z-index: 9998;
  }

  .mobile-nav.open { transform: translateY(0); }

  .mobile-nav a {
    padding: 12px 16px;
    border-radius: 8px;
    color: var(--ph-dark);
    font-weight: 600;
  }

  .mobile-nav a:hover { background: var(--ph-light); }

  .mobile-nav .btn { text-align: center; justify-content: center; }

  .hero-heading { font-size: 2rem; }
  .hero-stats { flex-wrap: wrap; gap: 20px; }

  .services-grid { grid-template-columns: 1fr; }

  .emi-inputs { grid-template-columns: 1fr; }
  .emi-header { flex-direction: column; gap: 16px; text-align: center; }
  .emi-result-preview { text-align: center; }
  .emi-body { padding: 24px; }

  .form-row { grid-template-columns: 1fr; }
  .form-body { padding: 24px; }

  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }

  .partner-perks { grid-template-columns: 1fr; }

  .cta-btns { flex-direction: column; align-items: center; }

  .emi-results { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { text-align: center; justify-content: center; }
  .loan-types { grid-template-columns: 1fr; }
  .mission-stat-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   HERO SWIPER SLIDER
   ============================================================ */

/* Make Swiper fill the entire hero section */
.hero-section {
  padding: 0;
}

.hero-swiper {
  width: 100%;
  min-height: 100vh;
  display: flex;
  align-items: center;
}

.hero-swiper .swiper-wrapper {
  align-items: stretch;
}

.hero-swiper .swiper-slide {
  display: flex;
  align-items: center;
  min-height: 100vh;
  padding-top: 72px;
}

.hero-swiper .swiper-slide .container {
  width: 100%;
}

/* Pagination dots — positioned at bottom of hero */
.hero-pagination {
  position: absolute;
  bottom: 28px !important;
  left: 0;
  right: 0;
  z-index: 10;
  display: flex;
  justify-content: center;
  gap: 8px;
}

.hero-pagination .swiper-pagination-bullet {
  width: 10px;
  height: 10px;
  background: rgba(255, 255, 255, 0.45);
  opacity: 1;
  border-radius: 50%;
  transition: all 0.3s ease;
  cursor: pointer;
}

.hero-pagination .swiper-pagination-bullet-active {
  background: var(--ph-white);
  width: 28px;
  border-radius: 5px;
}

/* Ensure hero-grid padding works inside slides */
.hero-swiper .hero-grid {
  padding: 80px 0 100px;
}

@media (max-width: 768px) {
  .hero-swiper .hero-grid {
    padding: 60px 0 80px;
  }
  .hero-pagination {
    bottom: 18px !important;
  }
}