/* =============================================================
   Panchanan Micro Service Foundation — Custom CSS
   Design System: Navy Blue (#1a2e5a) + Gold (#f0a500)
   Font: Inter (body), Playfair Display (headings)
   ============================================================= */

/* ── CSS Variables ─────────────────────────────────────────── */
:root {
    --primary: #1a2e5a;
    --primary-lt: #253f6f;
    --accent: #f0a500;
    --accent-dk: #d69200;
    --white: #ffffff;
    --light-bg: #f8fafc;
    --border: #e2e8f0;
    --text: #2d3748;
    --muted: #718096;
    --success: #38a169;
    --danger: #e53e3e;
    --radius-sm: 8px;
    --radius-md: 14px;
    --radius-lg: 20px;
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, .06);
    --shadow-md: 0 4px 20px rgba(0, 0, 0, .10);
    --shadow-lg: 0 8px 40px rgba(0, 0, 0, .14);
    --transition: all .3s ease;
}

/* ── Base ──────────────────────────────────────────────────── */
*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    background: #1a2e5a;
    /* matches header + hero bg — prevents any white gap at top */
}

body {
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background: #fff;
    line-height: 1.7;
    font-size: 15px;
    margin: 0;
    padding: 0;
}

h1,
h2,
h3,
h4 {
    font-weight: 700;
    line-height: 1.3;
}

h1 {
    font-family: 'Playfair Display', serif;
}

a {
    text-decoration: none;
    color: var(--primary);
    transition: var(--transition);
}

a:hover {
    color: var(--accent);
}

img {
    max-width: 100%;
}

/* ── Topbar ─────────────────────────────────────────────────── */
.topbar {
    background: var(--primary);
    color: rgba(255, 255, 255, .75);
    font-size: .78rem;
    padding: .3rem 0;
}

.topbar a {
    color: rgba(255, 255, 255, .75);
}

.topbar a:hover {
    color: var(--accent);
}

/* ── Navbar ─────────────────────────────────────────────────── */
.main-navbar {
    background: var(--primary) !important;
    box-shadow: 0 2px 16px rgba(26, 46, 90, .25);
    padding: .6rem 0;
}

.brand-icon {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--accent), #ffc107);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    color: var(--primary);
    flex-shrink: 0;
}

.brand-icon-sm {
    width: 34px;
    height: 34px;
    border-radius: 8px;
    font-size: 1rem;
}

.brand-name {
    font-size: 1.1rem;
    font-weight: 800;
    color: #fff;
    line-height: 1;
}

.brand-tagline {
    font-size: .65rem;
    color: rgba(255, 255, 255, .6);
    letter-spacing: .04em;
}

.main-navbar .nav-link {
    color: rgba(255, 255, 255, .8) !important;
    font-weight: 500;
    padding: .4rem .8rem !important;
    border-radius: 6px;
}

.main-navbar .nav-link:hover,
.main-navbar .nav-link.active {
    color: #fff !important;
    background: rgba(255, 255, 255, .1);
}

.main-navbar .dropdown-menu {
    border: none;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
}

.main-navbar .dropdown-item:hover {
    background: #f0f4ff;
    color: var(--primary);
}

/* ── Accent Button ──────────────────────────────────────────── */
.btn-accent {
    background: linear-gradient(135deg, var(--accent), #ffc107);
    color: var(--primary) !important;
    font-weight: 700;
    border: none;
    border-radius: var(--radius-sm);
    transition: var(--transition);
    box-shadow: 0 4px 14px rgba(240, 165, 0, .35);
}

.btn-accent:hover {
    background: linear-gradient(135deg, var(--accent-dk), #e6b000);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(240, 165, 0, .45);
    color: var(--primary) !important;
}

.btn-outline-primary-custom {
    border: 2px solid var(--primary);
    color: var(--primary);
    border-radius: var(--radius-sm);
    font-weight: 600;
    background: transparent;
}

.btn-outline-primary-custom:hover {
    background: var(--primary);
    color: #fff;
}

/* ── Hero Section ───────────────────────────────────────────── */
.hero-section {
    background: linear-gradient(135deg, var(--primary) 0%, #253f6f 60%, #1a3a7a 100%);
    min-height: 100vh;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding-top: 100px;
    /* push content below fixed header */
}

@media (max-width: 767.98px) {
    .hero-section {
        padding-top: 64px;
        min-height: auto;
        padding-bottom: 60px;
    }
}

.hero-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

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

.hero-badge {
    background: rgba(240, 165, 0, .15);
    color: var(--accent);
    border: 1px solid rgba(240, 165, 0, .3);
    border-radius: 50px;
    padding: .35rem 1rem;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .05em;
    display: inline-flex;
    align-items: center;
    gap: .4rem;
}

.hero-title {
    font-size: clamp(2rem, 5vw, 3.4rem);
    color: #fff;
    margin: 1rem 0;
}

.hero-title span {
    color: var(--accent);
}

.hero-subtitle {
    color: rgba(255, 255, 255, .78);
    font-size: 1.05rem;
    max-width: 520px;
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    gap: .75rem;
    margin-top: 2rem;
}

.hero-stats {
    display: flex;
    gap: 2rem;
    margin-top: 2.5rem;
    flex-wrap: wrap;
}

.hero-stat .num {
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--accent);
}

.hero-stat .lbl {
    font-size: .75rem;
    color: rgba(255, 255, 255, .6);
}

.hero-visual {
    position: relative;
}

.hero-card {
    background: rgba(255, 255, 255, .08);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, .15);
    border-radius: var(--radius-lg);
    padding: 2rem;
    color: #fff;
}

.loan-type-pill {
    background: rgba(240, 165, 0, .15);
    border: 1px solid rgba(240, 165, 0, .3);
    color: var(--accent);
    border-radius: 50px;
    padding: .3rem .9rem;
    font-size: .75rem;
    font-weight: 600;
    display: inline-block;
    margin: .2rem;
    cursor: pointer;
    transition: var(--transition);
}

.loan-type-pill:hover,
.loan-type-pill.selected {
    background: var(--accent);
    color: var(--primary);
}

.floating-badge {
    position: absolute;
    background: #fff;
    border-radius: var(--radius-md);
    padding: .6rem 1rem;
    box-shadow: var(--shadow-md);
    font-size: .8rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: .4rem;
}

.floating-badge-1 {
    top: -1rem;
    right: -1rem;
}

.floating-badge-2 {
    bottom: -1rem;
    left: -1rem;
}

/* ── Section Base ───────────────────────────────────────────── */
.section-pad {
    padding: 80px 0;
}

.section-pad-sm {
    padding: 50px 0;
}

.section-label {
    font-size: .75rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--accent);
    display: block;
    margin-bottom: .35rem;
}

.section-title {
    font-size: clamp(1.6rem, 3.5vw, 2.4rem);
    color: var(--primary);
}

.section-divider {
    width: 50px;
    height: 4px;
    background: linear-gradient(90deg, var(--accent), #ffc107);
    border-radius: 2px;
    margin: 1rem 0;
}

.section-bg {
    background: var(--light-bg);
}

/* ── Service Cards ──────────────────────────────────────────── */
.service-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 2rem 1.5rem;
    text-align: center;
    transition: var(--transition);
    height: 100%;
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}

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

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

.service-icon {
    width: 70px;
    height: 70px;
    border-radius: 50%;
    background: linear-gradient(135deg, #eef2ff, #e0e7ff);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    color: var(--primary);
    margin: 0 auto 1.25rem;
    transition: var(--transition);
}

.service-card:hover .service-icon {
    background: linear-gradient(135deg, var(--primary), var(--primary-lt));
    color: #fff;
}

.service-card h5 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: .5rem;
}

.service-card p {
    font-size: .85rem;
    color: var(--muted);
    margin-bottom: 1rem;
}

.service-link {
    font-size: .82rem;
    font-weight: 600;
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    gap: .3rem;
}

.service-link:hover {
    color: var(--accent);
}

/* ── Why Choose Us / Feature Items ─────────────────────────── */
.feature-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.feature-icon-box {
    width: 48px;
    height: 48px;
    border-radius: 10px;
    flex-shrink: 0;
    background: linear-gradient(135deg, var(--primary), var(--primary-lt));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    color: #fff;
}

/* ── Stats Section ──────────────────────────────────────────── */
.stats-section {
    background: linear-gradient(135deg, var(--primary), #253f6f);
    padding: 60px 0;
}

.stat-box {
    text-align: center;
    color: #fff;
}

.stat-box .count {
    font-size: 2.8rem;
    font-weight: 800;
    color: var(--accent);
    display: block;
    line-height: 1;
}

.stat-box .suffix {
    color: var(--accent);
    font-size: 2rem;
    font-weight: 800;
}

.stat-box p {
    color: rgba(255, 255, 255, .7);
    font-size: .85rem;
    margin-top: .4rem;
}

/* ── Process Steps ──────────────────────────────────────────── */
.process-step {
    text-align: center;
    padding: 1.5rem;
    background: #fff;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    position: relative;
    transition: var(--transition);
}

.process-step:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.step-num {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent), #ffc107);
    color: var(--primary);
    font-weight: 800;
    font-size: 1.1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    box-shadow: 0 4px 14px rgba(240, 165, 0, .35);
}

/* ── Testimonials ───────────────────────────────────────────── */
.testimonial-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 1.75rem;
    transition: var(--transition);
}

.testimonial-card:hover {
    box-shadow: var(--shadow-md);
}

.avatar-placeholder {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1rem;
    color: #fff;
    flex-shrink: 0;
}

.stars {
    color: #f0a500;
    font-size: .85rem;
}

/* ── CTA Banner ─────────────────────────────────────────────── */
.cta-banner {
    background: linear-gradient(135deg, var(--accent), #ffc107);
    border-radius: var(--radius-lg);
    padding: 3rem 2rem;
    text-align: center;
}

/* ── Page Hero (Inner Pages) ────────────────────────────────── */
.page-hero {
    background: linear-gradient(135deg, var(--primary) 0%, #253f6f 100%);
    padding: 120px 0 50px;
    /* top increased to push below fixed header */
    color: #fff;
}

@media (max-width: 767.98px) {
    .page-hero {
        padding: 84px 0 40px;
    }
}

.page-hero h1 {
    font-size: clamp(1.8rem, 4vw, 2.8rem);
}

.page-hero .breadcrumb-item a {
    color: rgba(255, 255, 255, .7);
}

.page-hero .breadcrumb-item.active {
    color: var(--accent);
}

.page-hero .breadcrumb-item+.breadcrumb-item::before {
    color: rgba(255, 255, 255, .4);
}

/* ── Loan Detail Page ───────────────────────────────────────── */
.feature-check-list li {
    padding: .35rem 0;
    display: flex;
    align-items: flex-start;
    gap: .5rem;
    font-size: .9rem;
}

.feature-check-list .bi-check-circle-fill {
    color: var(--success);
    flex-shrink: 0;
    margin-top: 3px;
}

.eligibility-card {
    background: linear-gradient(135deg, #f0f4ff, #e8ecff);
    border-radius: var(--radius-md);
    padding: 1.5rem;
}

/* ── Apply Form ─────────────────────────────────────────────── */
.apply-form-wrapper {
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    padding: 2.5rem;
    border: 1px solid var(--border);
}

.form-label {
    font-weight: 600;
    font-size: .85rem;
    color: var(--primary);
}

.form-control,
.form-select {
    border-radius: var(--radius-sm);
    border: 1.5px solid var(--border);
    padding: .65rem 1rem;
    font-size: .9rem;
    transition: var(--transition);
}

.form-control:focus,
.form-select:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(26, 46, 90, .10);
}

.form-control.is-invalid,
.form-select.is-invalid {
    border-color: var(--danger);
}

/* ── Contact Page ───────────────────────────────────────────── */
.contact-info-card {
    background: var(--primary);
    color: #fff;
    border-radius: var(--radius-md);
    padding: 2rem;
    height: 100%;
}

.contact-info-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.contact-info-icon {
    width: 42px;
    height: 42px;
    background: rgba(240, 165, 0, .15);
    border: 1px solid rgba(240, 165, 0, .3);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
    font-size: 1rem;
    flex-shrink: 0;
}

/* ── Footer ─────────────────────────────────────────────────── */
.site-footer {
    background: #0f1e3d;
    color: rgba(255, 255, 255, .7);
}

.footer-top {
    padding: 60px 0 40px;
}

.footer-brand {
    font-size: 1.1rem;
    font-weight: 800;
    color: #fff;
}

.footer-desc {
    font-size: .85rem;
    line-height: 1.7;
}

.footer-heading {
    font-weight: 700;
    font-size: .8rem;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: #fff;
    margin-bottom: 1rem;
}

.footer-links {
    list-style: none;
    padding: 0;
}

.footer-links li {
    margin-bottom: .5rem;
}

.footer-links a {
    color: rgba(255, 255, 255, .65);
    font-size: .85rem;
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--accent);
    padding-left: 4px;
}

.footer-contact {
    list-style: none;
    padding: 0;
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: .6rem;
    margin-bottom: .6rem;
    font-size: .85rem;
}

.footer-contact .bi {
    color: var(--accent);
    margin-top: 3px;
    flex-shrink: 0;
}

.footer-contact a {
    color: rgba(255, 255, 255, .65);
}

.footer-contact a:hover {
    color: var(--accent);
}

.social-links {
    display: flex;
    gap: .6rem;
}

.social-links a {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(255, 255, 255, .08);
    color: rgba(255, 255, 255, .7);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .9rem;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--accent);
    color: var(--primary);
    transform: translateY(-2px);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, .08);
    padding: 1.25rem 0;
    font-size: .8rem;
}

/* ── Back to Top ────────────────────────────────────────────── */
.back-to-top {
    position: fixed;
    bottom: 1.5rem;
    right: 1.5rem;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transform: translateY(10px);
    transition: var(--transition);
    z-index: 999;
    box-shadow: var(--shadow-md);
}

.back-to-top.visible {
    opacity: 1;
    pointer-events: all;
    transform: translateY(0);
}

/* ── Alert / Flash Messages ─────────────────────────────────── */
.flash-msg {
    border-radius: var(--radius-sm);
    font-weight: 500;
}

/* ── Utilities ──────────────────────────────────────────────── */
.text-accent {
    color: var(--accent) !important;
}

.text-primary2 {
    color: var(--primary) !important;
}

.bg-primary2 {
    background: var(--primary) !important;
}

.rounded-custom {
    border-radius: var(--radius-md) !important;
}

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 767.98px) {
    .hero-section {
        min-height: auto;
        padding-top: 64px;
        padding-bottom: 60px;
    }

    .hero-cta {
        flex-direction: column;
    }

    .hero-cta .btn {
        width: 100%;
        text-align: center;
    }

    .apply-form-wrapper {
        padding: 1.5rem;
    }

    .floating-badge-1,
    .floating-badge-2 {
        display: none;
    }
}