/* ============ MudraServe – Main Stylesheet ============ */
:root {
  --navy: #0b1f3a;
  --navy-2: #12305a;
  --gold: #f5a623;
  --gold-2: #ffcc4d;
  --green: #12b76a;
  --text: #1d2939;
  --muted: #667085;
  --line: #e4e7ec;
  --soft: #f5f7fb;
  --white: #fff;
  --radius: 16px;
  --shadow: 0 10px 30px rgba(11, 31, 58, .08);
  --shadow-lg: 0 20px 50px rgba(11, 31, 58, .15);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  font-family: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.muted { color: var(--muted); }
.small { font-size: .85rem; margin-top: 16px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: 12px; font-weight: 700; font-size: 1rem;
  border: 2px solid transparent; cursor: pointer; transition: .25s; font-family: inherit;
}
.btn-gold { background: linear-gradient(135deg, var(--gold), var(--gold-2)); color: var(--navy); box-shadow: 0 8px 20px rgba(245, 166, 35, .35); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(245, 166, 35, .45); }
.btn-ghost { border-color: rgba(255,255,255,.35); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.1); }
.btn-sm { padding: 10px 18px; font-size: .9rem; }
.btn-block { width: 100%; }

/* ---------- Topbar & Header ---------- */
.topbar { background: var(--navy); color: #cfd8e6; font-size: .85rem; }
.topbar-inner { display: flex; gap: 28px; padding-block: 8px; }
.topbar a:hover { color: var(--gold); }

.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom: 1px solid transparent; transition: .3s; }
.header.scrolled { border-color: var(--line); box-shadow: 0 4px 20px rgba(0,0,0,.05); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.logo { display: flex; align-items: center; gap: 10px; font-size: 1.5rem; font-weight: 800; color: var(--navy); letter-spacing: -.5px; }
.logo b { color: var(--gold); }
.logo-light { color: #fff; }
.menu { display: flex; align-items: center; gap: 28px; font-weight: 600; font-size: .95rem; }
.menu a:not(.btn) { position: relative; color: var(--navy); }
.menu a:not(.btn)::after { content: ""; position: absolute; left: 0; bottom: -4px; width: 0; height: 2px; background: var(--gold); transition: .25s; }
.menu a:not(.btn):hover::after { width: 100%; }
.burger { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.burger span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: .3s; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(245,166,35,.18), transparent 40%),
    radial-gradient(circle at 10% 90%, rgba(18,183,106,.12), transparent 40%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; padding: 80px 0 100px; overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 60px; align-items: center; }
.pill { display: inline-block; padding: 6px 14px; border-radius: 99px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); font-size: .85rem; font-weight: 600; margin-bottom: 20px; }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); line-height: 1.1; font-weight: 800; letter-spacing: -1.5px; margin-bottom: 20px; }
.grad { background: linear-gradient(90deg, var(--gold), var(--gold-2)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.lead { font-size: 1.15rem; color: #c9d4e5; max-width: 560px; margin-bottom: 32px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 44px; }
.hero-stats { display: flex; gap: 40px; flex-wrap: wrap; }
.hero-stats strong { display: block; font-size: 2rem; font-weight: 800; color: var(--gold); }
.hero-stats span { font-size: .85rem; color: #aebbd0; }

.quick-form { background: #fff; color: var(--text); border-radius: 20px; padding: 32px; box-shadow: var(--shadow-lg); }
.quick-form h3 { font-size: 1.4rem; color: var(--navy); }
.quick-form p.muted { margin-bottom: 20px; font-size: .92rem; }
.quick-form form { display: grid; gap: 12px; margin-bottom: 12px; }

input, select, textarea {
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 10px;
  font: inherit; font-size: .95rem; color: var(--text); background: #fff; transition: .2s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px rgba(245,166,35,.15); }
input.invalid, select.invalid { border-color: #f04438; }
.form-msg { font-size: .9rem; font-weight: 600; min-height: 1em; }
.form-msg.ok { color: var(--green); }
.form-msg.err { color: #f04438; }

/* ---------- Strip ---------- */
.strip { background: var(--soft); border-bottom: 1px solid var(--line); }
.strip-inner { display: flex; align-items: center; gap: 30px; padding-block: 22px; flex-wrap: wrap; }
.strip-inner > span { font-weight: 700; color: var(--navy); }
.strip-items { display: flex; gap: 12px; flex-wrap: wrap; }
.strip-items span { padding: 6px 14px; background: #fff; border: 1px solid var(--line); border-radius: 99px; font-size: .85rem; color: var(--muted); font-weight: 600; }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section-soft { background: var(--soft); }
.section-dark { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.eyebrow { display: inline-block; color: var(--gold); font-weight: 700; font-size: .85rem; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 10px; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); line-height: 1.2; letter-spacing: -1px; color: var(--navy); margin-bottom: 14px; }
.section-dark h2 { color: #fff; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.section-dark .section-head p { color: #aebbd0; }

/* ---------- Loan cards ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 32px 28px; transition: .3s; display: flex; flex-direction: column; }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.card-featured { border: 2px solid var(--gold); }
.tag { position: absolute; top: 20px; right: 20px; background: var(--gold); color: var(--navy); font-size: .75rem; font-weight: 800; padding: 4px 10px; border-radius: 99px; }
.ico { width: 56px; height: 56px; display: grid; place-items: center; font-size: 1.6rem; border-radius: 14px; background: linear-gradient(135deg, #fff4e0, #ffe7b8); margin-bottom: 20px; flex-shrink: 0; }
.ico.sm { width: 46px; height: 46px; font-size: 1.25rem; margin: 0; }
.card h3 { font-size: 1.25rem; color: var(--navy); margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .95rem; margin-bottom: 16px; }
.card ul { margin-bottom: 20px; display: grid; gap: 6px; }
.card li { font-size: .92rem; padding-left: 24px; position: relative; }
.card li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 800; }
.link { margin-top: auto; font-weight: 700; color: var(--navy); }
.link:hover { color: var(--gold); }

/* ---------- EMI ---------- */
.emi { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: 24px; padding: 40px; }
.emi-inputs { display: grid; gap: 36px; align-content: center; }
.field-top { display: flex; justify-content: space-between; margin-bottom: 14px; font-weight: 600; }
.field-top output { background: rgba(245,166,35,.15); color: var(--gold-2); padding: 4px 12px; border-radius: 8px; font-weight: 800; }
input[type="range"] { -webkit-appearance: none; appearance: none; padding: 0; height: 6px; border: 0; border-radius: 99px; background: rgba(255,255,255,.15); cursor: pointer; }
input[type="range"]:focus { box-shadow: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--gold); border: 4px solid #fff; box-shadow: 0 2px 8px rgba(0,0,0,.3); }
input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: var(--gold); border: 4px solid #fff; }
.emi-result { background: #fff; color: var(--text); border-radius: 20px; padding: 32px; display: grid; gap: 22px; }
.donut { --p: 70; width: 190px; height: 190px; margin: 0 auto; border-radius: 50%; display: grid; place-items: center;
  background: conic-gradient(var(--navy) calc(var(--p) * 1%), var(--gold) 0); }
.donut > div { width: 140px; height: 140px; border-radius: 50%; background: #fff; display: grid; place-content: center; text-align: center; }
.donut span { font-size: .8rem; color: var(--muted); }
.donut strong { font-size: 1.35rem; color: var(--navy); }
.emi-break { display: grid; gap: 10px; }
.emi-break p { display: flex; align-items: center; gap: 8px; font-size: .95rem; }
.emi-break b { margin-left: auto; }
.emi-break .total { border-top: 1px dashed var(--line); padding-top: 10px; font-weight: 700; color: var(--navy); }
.dot { width: 12px; height: 12px; border-radius: 4px; display: inline-block; }
.dot-p { background: var(--navy); } .dot-i { background: var(--gold); }

/* ---------- Why ---------- */
.why-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 60px; align-items: center; }
.why-grid .muted { margin-bottom: 28px; font-size: 1.05rem; }
.features { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.feature { display: flex; gap: 16px; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); transition: .3s; }
.feature:hover { box-shadow: var(--shadow); }
.feature h4 { color: var(--navy); margin-bottom: 4px; }
.feature p { font-size: .9rem; color: var(--muted); }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: s; position: relative; }
.steps li { background: #fff; border-radius: var(--radius); padding: 32px 24px; text-align: center; box-shadow: var(--shadow); position: relative; }
.steps span { width: 56px; height: 56px; margin: 0 auto 18px; display: grid; place-items: center; border-radius: 50%; background: var(--navy); color: var(--gold); font-weight: 800; font-size: 1.3rem; }
.steps h4 { color: var(--navy); margin-bottom: 6px; }
.steps p { color: var(--muted); font-size: .92rem; }

/* ---------- Tabs ---------- */
.tabs { max-width: 960px; margin: 0 auto; }
.tab-btns { display: flex; justify-content: center; gap: 8px; margin-bottom: 28px; flex-wrap: wrap; }
.tab-btns button { padding: 12px 24px; border-radius: 99px; border: 1.5px solid var(--line); background: #fff; font: inherit; font-weight: 700; color: var(--muted); cursor: pointer; transition: .2s; }
.tab-btns button.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.tab-panel { display: none; background: var(--soft); border-radius: 20px; padding: 36px; }
.tab-panel.active { display: block; animation: fade .4s; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.two-col h4 { color: var(--navy); margin-bottom: 14px; font-size: 1.1rem; }
.checks { display: grid; gap: 10px; }
.checks li { padding-left: 30px; position: relative; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%; background: var(--green); color: #fff; font-size: .7rem; display: grid; place-items: center; font-weight: 800; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; }
.faq details { background: #fff; border-radius: 14px; border: 1px solid var(--line); padding: 20px 24px; transition: .2s; }
.faq details[open] { box-shadow: var(--shadow); border-color: transparent; }
.faq summary { font-weight: 700; color: var(--navy); cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--gold); transition: .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { margin-top: 12px; color: var(--muted); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: start; }
.contact-list { display: grid; gap: 20px; margin-top: 30px; }
.contact-list li { display: flex; gap: 16px; align-items: center; }
.contact-list b { display: block; color: var(--navy); }
.contact-list a, .contact-list span:not(.ico) { color: var(--muted); }
.contact-list a:hover { color: var(--gold); }
.contact-form { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 36px; box-shadow: var(--shadow); display: grid; gap: 14px; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.consent { display: flex; gap: 10px; font-size: .85rem; color: var(--muted); align-items: flex-start; }
.consent input { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; accent-color: var(--gold); }

/* ---------- Footer ---------- */
.footer { background: var(--navy); color: #aebbd0; padding-top: 70px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 50px; }
.footer-grid p { margin-top: 16px; font-size: .92rem; }
.footer h5 { color: #fff; font-size: 1rem; margin-bottom: 16px; }
.footer-grid a, .footer-grid span { display: block; margin-bottom: 10px; font-size: .92rem; }
.footer-grid a:hover { color: var(--gold); }
.disclaimer { border-top: 1px solid rgba(255,255,255,.1); padding-block: 26px; font-size: .8rem; }
.disclaimer .copy { margin-top: 12px; text-align: center; }

/* ---------- Floating buttons ---------- */
.float-wa, .float-call { position: fixed; right: 20px; z-index: 60; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; box-shadow: 0 8px 24px rgba(0,0,0,.25); transition: .25s; }
.float-wa { bottom: 20px; background: #25d366; animation: pulse 2.2s infinite; }
.float-call { bottom: 88px; background: var(--navy); font-size: 1.4rem; }
.float-wa:hover, .float-call:hover { transform: scale(1.08); }

/* ---------- Animations ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.show { opacity: 1; transform: none; }
@keyframes fade { from { opacity: 0; } to { opacity: 1; } }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(37,211,102,.5); } 70% { box-shadow: 0 0 0 16px rgba(37,211,102,0); } 100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); } }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } .float-wa { animation: none; } html { scroll-behavior: auto; } }

/* ---------- Legal pages ---------- */
.legal { padding: 60px 0 90px; }
.legal h1 { color: var(--navy); font-size: 2.2rem; margin-bottom: 8px; }
.legal h2 { font-size: 1.3rem; margin: 28px 0 10px; }
.legal p, .legal li { color: #475467; margin-bottom: 10px; }
.legal ul { list-style: disc; padding-left: 22px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .hero-grid, .why-grid, .contact-grid, .emi { grid-template-columns: 1fr; }
  .hero { padding: 56px 0 70px; }
  .burger { display: block; }
  .menu { position: fixed; top: 72px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: #fff; padding: 12px 20px 24px; box-shadow: 0 20px 30px rgba(0,0,0,.08); transform: translateY(-120%); opacity: 0; pointer-events: none; transition: .3s; }
  .menu.open { transform: none; opacity: 1; pointer-events: auto; }
  .menu a:not(.btn) { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .menu .btn { margin-top: 14px; }
  .burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .burger.open span:nth-child(2) { opacity: 0; }
  .burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}
@media (max-width: 640px) {
  .hide-sm { display: none; }
  .section { padding: 70px 0; }
  .cards, .features, .two-col, .row, .footer-grid, .steps { grid-template-columns: 1fr; }
  .emi, .contact-form, .quick-form, .tab-panel { padding: 24px; }
  .hero-stats { gap: 24px; }
}