/* Cleaned & consolidated CSS for the provided Blade file
    - Removed duplicate/overlapping rules
    - Merged related blocks and kept selectors used in HTML
    - Preserved responsiveness, accessibility, and visual intent
    - HTML kept untouched
*/

/* =========================
    RESET & BASE STYLES
========================= */

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family:
        -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue",
        Arial, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: #2d3748; /* primary body color */
    background-color: #ffffff;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

a {
    text-decoration: none;
    color: inherit;
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    outline: none;
    background: none;
}

/* UL LI tags marker */

.unordered-list li::marker {
    color: #0f63ac;
    content: "\25B8  ";
    font-size: 18px;
}

/* CTA Btn Styles */
.features-btn {
    background-color: #004485 !important;
    color: #fff;
}

/* features and benefits section */
.features-and-benefits-section {
    background-color: rgba(0, 68, 133, 0.08) !important;
}

.why-choose-us-cards-row {
    flex-wrap: nowrap;
}

.death-type-text {
    color: #004485;
}

.death-type-number {
    color: #004485;
    background-color: #c6e4ff;
}

.death-type-card {
    box-shadow:
        0 7px 10px -3px rgba(0, 68, 133, 0.4),
        0 4px 6px -4px rgba(0, 68, 133, 0.4) !important;
    width: 550px !important;
}

@media (width < 480px) {
    .why-choose-us-cards-row {
        flex-wrap: wrap;
    }

    .death-type-card {
        width: 100% !important;
    }
}

/* =========================
    TYPOGRAPHY
========================= */

h1,
h2,
h3,
h4,
h5,
h6 {
    color: #1a202c;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 16px;
}

h1 {
    font-size: 32px;
    font-weight: 800;
}
h2 {
    font-size: 28px;
    font-weight: 700;
}
h3 {
    font-size: 20px;
    font-weight: 600;
}

p {
    margin-bottom: 16px;
    line-height: 1.7;
    color: #334155;
}

/* =========================
    LAYOUT / CONTAINER / UTILITIES
========================= */

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.section {
    padding: 50px 0;
}

.text-center {
    text-align: center;
}

.mb-16 {
    margin-bottom: 16px;
}
.mb-24 {
    margin-bottom: 24px;
}
.mb-32 {
    margin-bottom: 32px;
}
.mt-32 {
    margin-top: 32px;
}

/* =========================
    BUTTONS
========================= */

.btn {
    display: inline-block;
    padding: 14px 32px;
    font-size: 16px;
    font-weight: 600;
    text-align: center;
    border-radius: 12px;
    transition: all 0.3s ease;
    min-height: 48px;
    line-height: 1.4;
}

.btn-primary {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: #ffffff;
    box-shadow: 0 4px 12px rgba(102, 126, 234, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(102, 126, 234, 0.4);
}

.btn-secondary {
    background: #ffffff;
    color: #667eea;
    border: 2px solid #667eea;
}

.btn-secondary:hover {
    background: #667eea;
    color: #ffffff;
}

.btn-large {
    padding: 16px 40px;
    font-size: 18px;
}

/* Accessibility focus */
.btn:focus,
.form-input:focus,
.faq-question:focus {
    outline: 2px solid #667eea;
    outline-offset: 2px;
}

/* =========================
    CARDS
========================= */

.card {
    background: #ffffff;
    border-radius: 16px;
    padding: 28px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.07);
    transition: all 0.3s ease;
    height: 100%;
}

.card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 16px rgba(0, 0, 0, 0.12);
}

.card-icon {
    width: 48px;
    height: 48px;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 12px;
    color: #ffffff;
    font-size: 24px;
    font-weight: 700;
}

.card-title {
    font-size: 18px;
    font-weight: 600;
    color: #1a202c;
    margin-bottom: 12px;
}

.card-description {
    font-size: 15px;
    color: #4a5568;
    line-height: 1.6;
}

/* =========================
    GRID HELPERS
========================= */

.grid {
    display: grid;
    gap: 24px;
}
.grid-1 {
    grid-template-columns: 1fr;
}
.grid-2 {
    grid-template-columns: 1fr;
}
.grid-3 {
    grid-template-columns: 1fr;
}

/* =========================
    HERO SECTION
========================= */

.hero-section {
    position: relative;
    padding: 100px 0 100px;
    background: linear-gradient(135deg, #ffe4e6 0%, #ffffff 50%, #ecfeff 100%);
    color: #1f2937;
    overflow: hidden;
}

/* subtle hero texture */
.hero-section::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(
        circle at 80% 20%,
        rgba(45, 212, 191, 0.12),
        transparent 45%
    );
    pointer-events: none;
    z-index: 0;
}

/* layout inside hero */
.hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    gap: 64px;
    align-items: center;
}

@media (min-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1.2fr 0.8fr;
    }
}

.hero-content {
    position: relative;
    z-index: 1;
}

.hero-content h1,
.hero-section h1 {
    color: #121314;
    margin-bottom: 20px;
    font-size: clamp(36px, 4vw, 52px);
    font-weight: 800;
    line-height: 1.15;
}

.hero-content p,
.hero-section p {
    font-size: 18px;
    max-width: 540px;
    color: #334155;
}

/* TRUST POINTS (used in HTML: .trust-points) */
.trust-points {
    margin-top: 25px;
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
}

.trust-point {
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 10px 15px;
    border-radius: 999px;
    background: #ffffff;
    border: 1px solid #e2e8f0;
    font-size: 14px;
    font-weight: 600;
    color: #0f172a;
    box-shadow: 0 6px 20px rgba(15, 23, 42, 0.08);
    transition:
        transform 0.25s ease,
        box-shadow 0.25s ease;
}

.trust-point:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(15, 23, 42, 0.12);
}

.trust-icon {
    width: 15px;
    height: 15px;
    border-radius: 50%;
    background: linear-gradient(135deg, #b3b4fc, #c3fcd8);
    color: #ffffff;
}

/* HERO FORM CARD */
.hero-form-card {
    background: #ffffff;
    border-radius: 24px;
    padding: 40px;
    box-shadow: 0 30px 60px rgba(15, 23, 42, 0.15);
}

.hero-form-card h3 {
    font-size: 26px;
    margin-bottom: 6px;
}

.hero-form-card p {
    font-size: 15px;
    color: #64748b;
    margin-bottom: 28px;
}

.hero-form {
    display: flex;
    flex-direction: column;
    gap: 22px;
}

/* premium input */
.premium-input {
    position: relative;
}

.premium-input input,
.form-input {
    width: 100%;
    padding: 18px;
    border-radius: 14px;
    border: 1.5px solid #cbd5f5;
    font-size: 16px;
    background: #f8fafc;
}

.premium-input input:focus,
.form-input:focus {
    outline: none;
    border-color: #6366f1;
    background: #ffffff;
    box-shadow: 0 0 0 4px rgba(99, 102, 241, 0.15);
}

.premium-input label {
    position: absolute;
    top: -8px;
    left: 16px;
    background: #ffffff;
    padding: 0 8px;
    font-size: 12px;
    font-weight: 600;
    color: #6366f1;
}

/* hero CTA button full width */
.hero-form .btn {
    width: 100%;
    padding: 18px;
    font-size: 18px;
    border-radius: 14px;
}

/* footer note below form */
.form-note {
    text-align: center;
    font-size: 13px;
    color: #64748b;
}

/* Mobile hero adjustments */
@media (max-width: 768px) {
    .hero-section {
        padding: 70px 0 36px;
    }
    .hero-grid {
        display: flex;
        flex-direction: column;
        gap: 5px;
    }
    .hero-content {
        text-align: left;
    }
    .hero-content h1 {
        margin-bottom: 12px;
        font-size: 24px;
        font-weight: 600;
    }
    .hero-content p {
        margin-bottom: 12px;
        font-size: 13px;
    }
    .hero-form-card {
        border-radius: 8px;
        padding: 15px 15px;
        margin: 0;
        width: 100%;
        max-width: 100%;
    }
    .hero-form-card h3 {
        font-size: 18px;
        margin-bottom: 20px;
    }
    .hero-form-card p {
        display: none;
    }
    #mobileNumInput {
        font-size: 14px;
        padding: 12px;
        border-radius: 8px;
    }
    #mobileNumSubmitBtn {
        font-size: 14px;
        padding: 12px;
        border-radius: 8px;
    }
    .hero-form {
        gap: 15px;
    }
    .trust-points {
        display: none;
        margin-top: 16px;
        justify-content: flex-start;
    }
    .loan-offer-section {
        width: 100%;
        padding: 30px 0px !important;
        background: #ffffff;
    }
    .loan-offer-box {
        padding: 25px 16px !important;
        border-radius: 14px !important;
    }
    .loan-offer-box h3 {
        font-size: 20px !important;
    }
    .loan-offer-box p {
        font-size: 14px !important;
    }
    .loan-offer-btn {
        font-size: 13px !important;
        padding: 10px 20px !important;
    }
    .faq-section {
        padding: 32px 0px;
    }
    .faq-section .section-header h2 {
        font-size: 20px;
    }
}

/* =========================
    LOAN OFFER CTA SECTION
========================= */

.loan-offer-section {
    width: 100%;
    padding: 40px 16px;
    background: #ffffff;
}

.loan-offer-box {
    max-width: 900px;
    margin: 0 auto;
    padding: 48px 24px;
    text-align: center;
    background: linear-gradient(
        135deg,
        rgba(253, 230, 138, 0.45),
        #ffffff,
        rgba(191, 219, 254, 0.5)
    );
    border-radius: 32px;
    box-shadow: 0 20px 50px rgba(15, 23, 42, 0.08);
}

.loan-offer-box h3 {
    font-size: 28px;
    font-weight: 700;
    color: #004485;
    margin-bottom: 12px;
}

.loan-offer-box p {
    font-size: 16px;
    color: #52525b;
    max-width: 640px;
    margin: 0 auto 20px;
    line-height: 1.6;
}

.loan-offer-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 26px;
    border-radius: 12px;
    font-size: 16px;
    font-weight: 600;
    color: #ffffff;
    text-decoration: none;
    background: linear-gradient(135deg, #034786, #004485);
    transition: all 0.3s ease;
}

.loan-offer-btn:hover {
    transform: translateY(-2px);
}

.loan-offer-btn .arrow {
    font-size: 18px;
    transition: transform 0.3s ease;
}

.loan-offer-btn:hover .arrow {
    transform: translateX(4px);
}

@media (max-width: 640px) {
    .loan-offer-box {
        padding: 36px 20px;
        border-radius: 24px;
    }
    .loan-offer-box h3 {
        font-size: 22px;
    }
    .loan-offer-box p {
        font-size: 15px;
    }
}

/* =========================
    PURPOSES SECTION
========================= */

.purposes-section {
    background: linear-gradient(120deg, #a1c4fd 0%, #c2e9fb 100%);
}

.purposes-intro {
    text-align: center;
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 32px;
    color: #1a202c;
}

.purposes-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
    margin-bottom: 32px;
}

.purpose-card {
    background: #ffffff;
    padding: 20px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    gap: 16px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.purpose-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 28px;
    flex-shrink: 0;
}

.purpose-text {
    font-size: 16px;
    font-weight: 500;
    color: #2d3748;
}

.emphasis-box {
    background: linear-gradient(135deg, #fa709a 0%, #fee140 100%);
    padding: 28px;
    border-radius: 16px;
    text-align: center;
    margin: 40px 0;
    box-shadow: 0 6px 16px rgba(250, 112, 154, 0.3);
}

.emphasis-box p {
    font-size: 20px;
    font-weight: 700;
    color: #ffffff;
    margin: 0;
    text-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.dual-cta {
    display: flex;
    flex-direction: column;
    gap: 16px;
    justify-content: center;
    margin-top: 32px;
}

/* =========================
    FEATURES SECTION
========================= */

.features-section {
    background: #f7fafc;
}

.features-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
}

/* =========================
    ELIGIBILITY SECTION
========================= */

.eligibility-section {
    background: linear-gradient(120deg, #89f7fe 0%, #66a6ff 100%);
}

.eligibility-facts {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    margin-bottom: 32px;
}

.eligibility-fact {
    background: rgba(255, 255, 255, 0.9);
    padding: 16px 20px;
    border-radius: 12px;
    font-weight: 600;
    text-align: center;
    color: #1a202c;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

/* Additional eligibility-specific UI used later */
.eligibility-ui {
    padding: 60px 20px;
    background: #ffffff;
    font-family: Arial, sans-serif;
}

.eligibility-heading {
    background: #b7d6ff;
    padding: 16px 20px;
    font-size: 26px;
    font-weight: 700;
    margin-bottom: 20px;
}

.eligibility-table-wrapper {
    overflow-x: auto;
}

.eligibility-table {
    width: 100%;
    border-collapse: collapse;
    background: #b7d6ff;
}

.eligibility-table th,
.eligibility-table td {
    border: 2px solid #000;
    padding: 18px;
    vertical-align: top;
    text-align: left;
}

.eligibility-table th {
    font-size: 18px;
    font-weight: 700;
}

.eligibility-table ul {
    margin: 0;
    padding-left: 22px;
}

.eligibility-table li {
    font-size: 16px;
    margin-bottom: 10px;
    line-height: 1.6;
}

/* =========================
    TABLES (General)
========================= */

.table-responsive {
    overflow-x: auto;
    margin: 32px 0;
    border-radius: 12px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.07);
}

table {
    width: 100%;
    border-collapse: collapse;
    background: #ffffff;
    border-radius: 12px;
    overflow: hidden;
}

thead {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: #ffffff;
}

th {
    padding: 16px;
    text-align: left;
    font-weight: 600;
    font-size: 15px;
}

td {
    padding: 14px 16px;
    border-bottom: 1px solid #e2e8f0;
    font-size: 15px;
}

tbody tr:hover {
    background: #f7fafc;
}
tbody tr:last-child td {
    border-bottom: none;
}

/* EMI impact table (separate visual style) */
.emi-impact-table {
    width: 100%;
    max-width: 900px;
    margin: 0 auto;
    border-collapse: collapse;
    background: #ffffff;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 12px 28px rgba(15, 23, 42, 0.12);
}

.emi-impact-table th {
    background: #e5e7eb;
    font-size: 22px;
    font-weight: 700;
    padding: 18px;
    text-align: center;
    color: #111827;
}

.emi-impact-table td {
    border: 1px solid #d1d5db;
    padding: 16px 20px;
    font-size: 16px;
    color: #1f2937;
}

.emi-impact-table tbody tr td:first-child {
    width: 60%;
}

.emi-impact {
    text-align: center;
    font-size: 18px;
    font-weight: 600;
    color: #4f46e5;
    background: #f8fafc;
}

.emi-table-wrapper {
    margin: 32px 0;
    overflow-x: auto;
}

.emi-note-box {
    margin-top: 16px;
    padding: 12px 16px;
    background: #f8fafc;
    border-left: 4px solid #6366f1;
    font-size: 14px;
    color: #334155;
}

/* =========================
    DOCUMENTS SECTION
========================= */

.documents-section {
    background: #f7fafc;
}

.documents-intro {
    font-size: 17px;
    font-weight: 600;
    margin-bottom: 32px;
    color: #2d3748;
}

.document-category {
    background: #ffffff;
    padding: 28px;
    border-radius: 12px;
    margin-bottom: 24px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.document-category h3 {
    color: #667eea;
    margin-bottom: 16px;
    font-size: 20px;
}

.document-list {
    list-style: none;
}

.document-list li {
    padding: 10px 0 10px 28px;
    position: relative;
    font-size: 15px;
    line-height: 1.6;
}

.document-list li::before {
    content: "•";
    position: absolute;
    left: 8px;
    color: #667eea;
    font-size: 20px;
    font-weight: 700;
}

/* =========================
    PROFILE SECTION
========================= */

.profile-section {
    background: #ffffff;
}

.profile-box {
    background: linear-gradient(to right, #fa709a 0%, #fee140 100%);
    padding: 40px;
    border-radius: 16px;
    color: #ffffff;
}

.profile-box h2 {
    color: #ffffff;
    margin-bottom: 24px;
}

.profile-checklist {
    list-style: none;
    margin-bottom: 32px;
}

.profile-checklist li {
    padding: 12px 0;
    font-size: 16px;
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.profile-checklist li::before {
    content: "✓";
    display: inline-block;
    width: 24px;
    height: 24px;
    background: rgba(255, 255, 255, 0.3);
    border-radius: 50%;
    text-align: center;
    line-height: 24px;
    font-weight: 700;
    flex-shrink: 0;
}

/* =========================
    EMI SECTION
========================= */

.emi-section {
    background: linear-gradient(
        120deg,
        rgba(236, 252, 203),
        rgba(236, 253, 245),
        rgba(237, 233, 254)
    );
}

.emi-intro {
    font-size: 17px;
    margin-bottom: 32px;
    text-align: center;
}

.key-points {
    background: #ffffff;
    padding: 32px;
    border-radius: 16px;
    margin-bottom: 32px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
}

.key-points h3 {
    margin-bottom: 20px;
    color: #1a202c;
}

.key-points-list {
    list-style: none;
    counter-reset: point-counter;
}

.key-points-list li {
    counter-increment: point-counter;
    padding: 14px 0 14px 48px;
    position: relative;
    font-size: 15px;
    line-height: 1.6;
}

.key-points-list li::before {
    content: counter(point-counter);
    position: absolute;
    left: 0;
    width: 32px;
    height: 32px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
}

.key-points-list li strong {
    color: #1a202c;
}

.emi-calculator-box {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    padding: 36px;
    border-radius: 16px;
    text-align: center;
    color: #ffffff;
    margin-top: 32px;
    box-shadow: 0 8px 24px rgba(102, 126, 234, 0.3);
}

.emi-calculator-box h3 {
    color: #ffffff;
    font-size: 26px;
    margin-bottom: 12px;
}
.emi-calculator-box p {
    margin-bottom: 24px;
    font-size: 16px;
}

/* =========================
    LENDERS SECTION
========================= */

.lenders-section {
    background: #ffffff;
}

.lenders-intro {
    font-size: 17px;
    margin-bottom: 24px;
}

.lenders-focus {
    background: rgba(191, 219, 254, 0.4);
    padding: 24px;
    border-radius: 12px;
    margin: 24px 0;
}

.lenders-focus h3 {
    margin-bottom: 12px;
}

.lenders-focus ul {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
}

.lenders-focus li {
    background: #ffffff;
    padding: 10px 20px;
    border-radius: 8px;
    font-weight: 600;
    color: #667eea;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.06);
}

/* =========================
    APPLICATION PROCESS SECTION
========================= */

.application-section {
    background: linear-gradient(
        135deg,
        rgba(204 251 241 / 0.4) 0%,
        rgb(253 244 255 /0.5) 50%,
        rgb(237 233 254 / 0.6) 100%
    );
}

.process-emphasis {
    font-size: 22px;
    font-weight: 700;
    text-align: center;
    margin-bottom: 16px;
    color: #1a202c;
}

.process-intro {
    text-align: center;
    font-size: 17px;
    margin-bottom: 40px;
}

.process-steps {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
    margin-bottom: 48px;
}

.process-step {
    background: #ffffff;
    padding: 28px;
    border-radius: 16px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
    display: flex;
    gap: 20px;
    align-items: flex-start;
}

.step-number {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 700;
    flex-shrink: 0;
}

.step-content h4 {
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 8px;
    color: #1a202c;
}
.step-content p {
    font-size: 15px;
    color: #4a5568;
    margin: 0;
}

.benefits-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    margin-bottom: 32px;
}

.benefit-item {
    background: rgba(255, 255, 255, 0.9);
    padding: 16px 20px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.benefit-item::before {
    content: "✓";
    width: 28px;
    height: 28px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    flex-shrink: 0;
}

.benefit-item span {
    font-weight: 600;
    color: #1a202c;
}

/* =========================
    FAQ SECTION
========================= */

.faq-section {
    background: #f7fafc;
}

.faq-list {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: #ffffff;
    border-radius: 12px;
    margin-bottom: 16px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
    overflow: hidden;
}

.faq-question {
    width: 100%;
    padding: 20px 24px;
    text-align: left;
    background: #ffffff;
    border: none;
    font-size: 16px;
    font-weight: 600;
    color: #1a202c;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: background 0.3s ease;
}

.faq-question:hover {
    background: #f7fafc;
}

.faq-question::after {
    content: "+";
    font-size: 24px;
    font-weight: 700;
    color: #667eea;
    transition: transform 0.3s ease;
}

.faq-item.active .faq-question::after {
    content: "−";
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer-content {
    padding: 0 24px 20px 24px;
    font-size: 15px;
    line-height: 1.7;
    color: #4a5568;
}

/* =========================
    SPECIFIC ELIGIBILITY CARDS
========================= */

.specific-eligibility-wrapper {
    margin-top: 40px;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 28px;
}

.specific-eligibility-card {
    background: #ffffff;
    border-radius: 20px;
    padding: 28px;
    box-shadow: 0 14px 32px rgba(15, 23, 42, 0.12);
    transition:
        transform 0.3s ease,
        box-shadow 0.3s ease;
}

.specific-eligibility-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 20px 40px rgba(15, 23, 42, 0.18);
}

.specific-eligibility-card h4 {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 18px;
    color: #0f172a;
}

.specific-eligibility-card ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.specific-eligibility-card li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 0;
    font-size: 15px;
    color: #334155;
}

.specific-eligibility-card .icon {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: linear-gradient(135deg, #6366f1, #22c55e);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    flex-shrink: 0;
}

/* =========================
    ANIMATIONS & PRINT
========================= */

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in {
    animation: fadeIn 0.6s ease-out;
}

@media print {
    .btn,
    .lead-capture-box,
    .cta-box {
        display: none;
    }

    body {
        background: #ffffff;
    }

    .card {
        box-shadow: none;
        border: 1px solid #e2e8f0;
    }
}

/* selection color */
::selection {
    background: #667eea;
    color: #ffffff;
}

/* skip-to-main (assistive) */
.skip-to-main {
    position: absolute;
    left: -9999px;
    top: 0;
    z-index: 999;
    padding: 1em;
    background: #667eea;
    color: #ffffff;
    text-decoration: none;
}

.skip-to-main:focus {
    left: 0;
}

/* =========================
    CTA BOX (general purpose)
========================= */

.cta-box {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    padding: 40px;
    border-radius: 16px;
    text-align: center;
    margin: 40px 0;
    color: #ffffff;
    box-shadow: 0 8px 24px rgba(102, 126, 234, 0.3);
}

.cta-box h3 {
    color: #ffffff;
    font-size: 24px;
    margin-bottom: 12px;
}
.cta-box p {
    font-size: 16px;
    margin-bottom: 24px;
    opacity: 0.95;
}
.cta-box .btn {
    background: #ffffff;
    color: #667eea;
}
.cta-box .btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(255, 255, 255, 0.3);
}

/* =========================
    RESPONSIVE RULES (tablet & desktop adjustments)
========================= */

@media (min-width: 825px) {
    h1 {
        font-size: 42px;
    }
    h2 {
        font-size: 32px;
    }
    h3 {
        font-size: 22px;
    }

    .section {
        padding: 70px 0;
    }
    .hero-section {
        padding: 80px 0;
    }
    .hero-section h1 {
        font-size: 44px;
    }

    .trust-badges {
        grid-template-columns: repeat(3, 1fr);
        gap: 20px;
    }
    .trust-badge {
        font-size: 15px;
    }

    .hero-cta-group {
        flex-direction: row;
        justify-content: center;
    }

    .lead-capture-box {
        padding: 40px;
    }

    .lead-form {
        flex-direction: row;
        align-items: stretch;
    }
    .form-input {
        flex: 1;
    }
    .lead-form .btn {
        flex-shrink: 0;
    }

    .grid-2 {
        grid-template-columns: repeat(2, 1fr);
    }

    .purposes-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .eligibility-facts {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    .dual-cta {
        flex-direction: row;
        justify-content: center;
    }
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    .process-steps {
        gap: 28px;
    }
}

@media (min-width: 1024px) {
    h1 {
        font-size: 48px;
    }
    h2 {
        font-size: 36px;
    }
    .section {
        padding: 80px 0;
    }

    .hero-section {
        padding: 140px 0 60px;
    }
    .hero-section h1 {
        font-size: 52px;
    }

    .grid-3 {
        grid-template-columns: repeat(3, 1fr);
    }
    .features-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 28px;
    }
    .eligibility-facts {
        grid-template-columns: repeat(4, 1fr);
    }
    .purposes-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .process-steps {
        grid-template-columns: repeat(2, 1fr);
    }
    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (min-width: 1280px) {
    .container {
        padding: 0 40px;
    }
    .purposes-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* smaller-device tweaks */
@media (max-width: 640px) {
    .loan-offer-box {
        padding: 36px 20px;
        border-radius: 24px;
    }
    .loan-offer-box h3 {
        font-size: 22px;
    }
    .loan-offer-box p {
        font-size: 15px;
    }

    .emi-impact-table th {
        font-size: 18px;
    }
    .emi-impact {
        font-size: 16px;
    }
}

/* =========================
    MISC: Backwards-compatible helpers kept (non-conflicting)
========================= */

/* lead-capture specific styles (kept in case used elsewhere) */
.lead-capture-box {
    background: #ffffff;
    border-radius: 16px;
    padding: 32px;
    margin-top: 40px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
}

.lead-capture-box h3 {
    color: #1a202c;
    margin-bottom: 8px;
    font-size: 22px;
}
.lead-capture-box p {
    color: #4a5568;
    font-size: 15px;
    margin-bottom: 20px;
}

.lead-form {
    display: flex;
    flex-direction: column;
    gap: 12px;
}