/* ============================================================
   1. ROOT VARIABLES
   ============================================================ */
:root {
    /* Brand Colors */
    --primary-red: #D32F2F;
    --dark-red: #AF101A;
    --darker-red: #D32F2F;
    --accent-olive: #695919;

    /* Text Colors */
    --text-main: #271816;
    --text-main-alt: #5B403D;
    --text-light: #666666;
    --text-muted: #555555;

    /* Backgrounds & Borders */
    --border-color: #737783;
    --line-color: #E5E7EB;
    --bg-light: #F9FAFB;
    --bg-white: #FFFFFF;
    --bg-warm-light: #FAF9F6;
    --bg-light-gray: #F9F9F9;
    --card-bg: #F8F9FA;
    --item-bg: #F8F9FA;
    --white: #FFFFFF;

    /* Typography */
    --font-family: 'Anek Latin', sans-serif;

    /* Global Layout & Alignment */
    --container-width: 1320px;
    --side-padding: 24px;
}

@media (max-width: 767px) {
    :root {
        --side-padding: 15px;
    }
}


/* ============================================================
   2. BASE & RESET
   ============================================================ */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    width: 100%;
    overflow-x: hidden;
    font-family: anek latin;
    color: var(--text-main);
    line-height: 1.5;
}

html, body {
    overflow-x: hidden;
    width: 100%;
    max-width: 100%;
}

html {
    scrollbar-gutter: stable; /* scrollbar ki jagah hamesha reserved rakhega, layout shift nahi hoga */
}

.timeline-step {
    opacity: 1; /* default visible rakho, JS sirf enhance kare */
}

a { text-decoration: none; }
ul { list-style: none; }
.text-red { color: var(--dark-red); }

.container {
    width: 100%;
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 var(--side-padding);
    box-sizing: border-box;
    overflow-x: hidden;
}


/* ============================================================
   3. SITE HEADER / FOOTER (full-width image banners)
   ============================================================ */
.site-header {
    width: 100%;
    margin: 0;
    padding: 0;
}

.site-header img {
    display: block;
    width: 100%;
    height: auto;
}

.site-footer {
    width: 100%;
    margin: 0;
    padding: 0;
}

.site-footer img {
    display: block;
    width: 100%;
    height: auto;
}

header.site-header,
.top-bar,
.main-header,
section {
    width: 100%;
    display: block;
    box-sizing: border-box;
}


/* ============================================================
   4. HERO SECTION
   ============================================================ */
.hero-section {
    padding: 60px 20px;
    background: #ffff;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 60px;
    align-items: flex-start;
}

.hero-image-wrapper {
    position: relative;
    width: 100%;
    border-radius: 20px;
    overflow: hidden;
    margin-bottom: 40px;
}

.main-image {
    width: 100%;
    height: auto;
    object-fit: cover;
    display: block;
    background: var(--line-color);
}

.offer-banner {
    position: absolute;
    left: 24px;
    bottom: 24px;
    background: rgba(0, 0, 0, 0.55);
    color: #fff;
    padding: 14px 20px;
    border-radius: 12px;
    max-width: 80%;
}

.offer-banner p {
    margin: 0;
    font-size: 15px;
    font-weight: 600;
    line-height: 1.4;
}

.hero-text h1 {
    font-size: 32px;
    line-height: 1.2;
    margin-bottom: 16px;
    color: var(--text-main);
}

.hero-text .description {
    font-size: 16px;
    color: #5B403D;
    margin-bottom: 32px;
    max-width: 90%;
    font-weight: 500;
}

.divider {
    border: none;
    border-top: 1px solid var(--line-color);
    margin-bottom: 32px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.stat-item h3 {
    font-size: 16px;
    color: var(--dark-red);
    margin-bottom: px;
    font-weight: 700;
}

.stat-item p {
    font-size: 14px;
    color: #5B403D;
    font-weight: 400;
}

/* ---------- Hero banner slider ---------- */
.hero-slider {
    position: relative;
    width: 100%;
    overflow: hidden;
    border-radius: 20px;
}

.hero-slider-track {
    display: flex;
    width: 100%;
    transition: transform .5s ease;
}

.hero-slide {
    flex: 0 0 100%;
    max-width: 100%;
}

/* ---------- Dots ---------- */
.hero-dots {
    position: absolute;
    bottom: 16px;
    right: 24px;
    transform: none;
    display: flex;
    gap: 8px;
    z-index: 2;
}

.hero-dots span {
    display: inline-block; /* 👈 ye missing thi — isi wajah se width/height ignore ho rahe the */
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: #F1F1F1;
    cursor: pointer;
    transition: background .3s ease, transform .3s ease;
}

.hero-dots span.active {
    background: #D32F2F;
    transform: scale(1.25);
}


/* ============================================================
   5. ELIGIBILITY FORM (hero-form-wrapper card)
   ============================================================ */
.hero-form-wrapper {
    position: relative;
}

.form-heading {
  font-size: 34px;
  font-weight: 700;
  margin: 0 0 16px 0;
  color: #111111;
  
}

.form-badge {
    position: absolute;
    top: px;
    right: 20px;
    background: var(--primary-red);
    color: var(--white);
    font-size: 12px;
    font-weight: 700;
    padding: 6px 16px;
    border-radius: 20px;
    z-index: 2;
}

.form-card {
    background: var(--white);
    border-radius: 12px;
    padding: 32px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
}

.form-card h2 {
    font-size: 34px;
    margin-bottom: 24px;
    color: var(--text-main);
    font-weight: 600;
}

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

.form-group label {
    display: block;
    font-size: 16px;
    color: var(--text-main);
    margin-bottom: 8px;
    font-weight: 400;
}

.form-group input[type="text"],
.form-group input[type="tel"],
.form-group input[type="number"],
.form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    font-size: 16px;
    font-family: var(--font-family);
    transition: border-color 0.3s;
    font-weight: 400;
    background-color: #F8F9FA;
}

.form-group input:focus {
    outline: none;
    border-color: var(--primary-red);
}

.input-with-btn {
    display: flex;
    gap: 12px;
}

.btn-send-otp {
    background: var(--primary-red);
    color: var(--white);
    border: none;
    padding: 0 20px;
    border-radius: 6px;
    font-weight: 600;
    font-size: 14px;
    cursor: pointer;
    white-space: nowrap;
    transition: background 0.3s;
}

.btn-send-otp:hover {
    background: var(--dark-red);
}

.btn-send-otp.sent {
    background: #10B981;
}

.otp-wrapper {
    margin-top: 12px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.otp-timer {
    font-size: 13px;
    color: var(--primary-red);
    font-weight: 600;
}

.radio-options {
    display: flex;
    gap: 16px;
}

.radio-label {
    display: flex;
    align-items: center;
    gap: 8px;
    flex: 1;
    padding: 12px;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    cursor: pointer;
    font-size: 14px;
}

.radio-label.active {
    border-color: #737783;
}

.radio-label input[type="radio"] {
    accent-color: var(--dark-red);
}

/* ---------- Employment type radio boxes ---------- */
.radio-options-stack {
    display: flex;
    flex-direction: row; /* ek row me */
    gap: 12px;
}

.radio-box {
    flex: 1 1 0; /* dono equal width lenge */
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 10px 16px;
    border: 1px solid #737783;
    border-radius: 8px;
    cursor: pointer;
    box-sizing: border-box;
    background: #F8F9FA;
}

.radio-box input[type="radio"] {
    width: 14px;
    height: 10px;
    margin: 0;
    accent-color: #C7222A;
    flex-shrink: 0;
    cursor: pointer;
}

.radio-box span {
    line-height: 1;
    font-size: 15px;
    color: #1a1a1a;
}

.btn-submit {
    width: 100%;
    background: var(--primary-red);
    color: var(--white);
    border: none;
    padding: 16px;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    margin-top: 12px;
    transition: background 0.3s;
}

.btn-submit:hover {
    background: var(--dark-red);
}

.terms-text {
    font-size: 12px;
    text-align: center;
    color: var(--text-light);
    margin-top: 16px;
    font-weight: 400;
}

.terms-text a {
    color: var(--primary-red);
    text-decoration: underline;
}


/* ============================================================
   6. OTP MODAL
   ============================================================ */
.otp-modal-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 999;
    align-items: center;
    justify-content: center;
}

.otp-modal-overlay.show { display: flex; }

.otp-modal {
    background: #fff;
    border-radius: 16px;
    padding: 28px;
    width: 90%;
    max-width: 380px;
    position: relative;
    text-align: center;
}

.otp-modal-close {
    position: absolute;
    top: 12px;
    right: 14px;
    background: none;
    border: none;
    font-size: 22px;
    line-height: 1;
    cursor: pointer;
    color: #888;
}

.otp-modal h3 { font-size: 18px; margin-bottom: 6px; color: #1a1a1a; }
.otp-modal-sub { font-size: 13px; color: #666; margin-bottom: 20px; }

.otp-inputs {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-bottom: 10px;
}

.otp-box {
    width: 42px;
    height: 48px;
    text-align: center;
    font-size: 18px;
    border: 1.5px solid #E0D5D5;
    border-radius: 8px;
}

.otp-box:focus { outline: none; border-color: #C7222A; }

.otp-error { color: #C7222A; font-size: 12.5px; margin-bottom: 12px; }

.otp-verify-btn {
    width: 100%;
    padding: 12px;
    background: #C7222A;
    color: #fff;
    border: none;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    margin-top: 8px;
}

.otp-resend { font-size: 12.5px; color: #666; margin-top: 14px; }
.otp-resend a { color: #C7222A; font-weight: 600; text-decoration: none; }


/* ============================================================
   7. SECTION HEADING 
   ============================================================ */
.section-heading { margin-bottom: 60px; }
.section-heading h2 { font-size: 34px; font-weight: 700; margin-bottom: 8px; color: var(--text-dark); }
.section-heading p {
    color: var(--text-muted);
    font-size: 16px;
    max-width: 560px; 
    margin: 0 auto;  
}
.text-center { text-align: center; }


/* ============================================================
   8. BENEFITS SECTION
   ============================================================ */
section.benefits-section {
    padding: 0px 20px;
}

.slider-viewport {
    overflow-x: visible;
    overflow-y: visible;
    width: 100%;
    padding: 8px 0 20px;
}

/* ---------- Desktop: 4-column grid ---------- */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    width: 100%;
}

.benefit-card {
    width: 100%;
    background: linear-gradient(120.28deg, rgba(255, 255, 255, 0.85) 0%, rgba(248, 249, 250, 0.75) 100%);
    box-shadow: 0px 20px 40px 0px #991B1B26;
    backdrop-filter: blur(20px);
    border-radius: 32px;
    padding: 24px;
}

.card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
}

.icon-circle {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    color: #FFFFFF;
    background: #D32F2F;
    display: flex;
    align-items: center;
    justify-content: center;
    perspective: 1000px;
}

.icon-circle svg {
    transition: transform 0.7s ease;
    transform-style: preserve-3d;
}

.benefit-card:hover .icon-circle svg {
    transform: rotateY(180deg);
}

.benefit-tag {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.5px;
    color: #B71C1C;
    background: #FFF0EF;
    padding: 4px 10px;
    border-radius: 20px;
}

.benefit-card h3 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
    color: #1a1a1a;
}

.benefit-card p {
    font-size: 14px;
    color: #666;
    line-height: 1.55;
}


/* ============================================================
   9. ELIGIBILITY + DOCUMENTS SECTION
   ============================================================ */
:root {
    --brand-red: #AF101A;
    --brand-olive: #735C00;
    --row-bg: #FFFFFF;
    --text-dark: #1a1a1a;
    --text-muted: #6b6b6b;
}

.eligibility-section {
    padding: 60px 0;
    background: linear-gradient(90deg, #FDFBF7 150%, #FAF6EE 55%, #F6F0E4 150%);
}

.eligibility-container { max-width: 900px; margin: 0 auto; padding: 0 20px; }

.cards-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}

.info-card {
    background: #fff;
    border-radius: 16px;
    padding: 40px 30px 60px 30px;
    box-shadow: 0px 4px 12px 0px #00000008;
    transition: box-shadow 0.4s ease, transform 0.4s ease;
}

.info-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.14);
}

.info-card.card-first {
    padding: 40px 30px 80px 30px;
}

.card-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px;
}

.card-header h3 {
    font-size: 20px;
    font-weight: 400;
    color: #271816;
}

.icon-box {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    flex-shrink: 0;
}

.icon-red { background: var(--brand-red); }
.icon-olive { background: var(--brand-olive); }

.card-subtitle {
    font-size: 16px;
    color: #5B403D;
    margin-bottom: 20px;
    line-height: 1.5;
    font-weight: 400;
}

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

.list-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    background: #F8F9FA;
    border-radius: 8px;
    padding: 14px 16px;
}

.row-icon { flex-shrink: 0; margin-top: 2px; }
.red-check { color: var(--brand-red); }
.olive-check { color: var(--brand-olive); }

.item-text h4 {
    font-size: 16px;
    font-weight: 400;
    color: #271816;
    margin-bottom: 2px;
}

.item-text p {
    font-size: 14px;
    color: #5B403D;
    font-weight: 400;
    line-height: 1.5;
}


/* ============================================================
   10. HOW TO APPLY — legacy timeline styles
   (kept as-is; current markup uses the .loan-steps block below)
   ============================================================ */
.how-to-apply-section {
    padding: 60px 0;
    /* background: linear-gradient(90deg, #FDFAF4 0%, #F7F0E3 55%, #EFE5D2 100%) */
    /* background: linear-gradient(90deg, #FDFBF7 150%, #FAF6EE 55%, #F6F0E4 150%); */
}

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

/* ---------- Desktop timeline ---------- */
.timeline-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    position: relative;
    gap: 10px;
}

.timeline-wrapper::before {
    content: "";
    position: absolute;
    top: 35px;
    left: 5%;
    right: 5%;
    border-top: 1px dashed #C9C2B4;
    z-index: 0;
}

.timeline-step {
    position: relative;
    z-index: 1;
    flex: 1;
    text-align: center;
    padding: 0 10px;
    transition: none;
}

.step-icon-box {
    width: 70px;
    height: 70px;
    background: #FFFFFF;
    border: 1px solid #FFFFFF;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    box-shadow: 0px 1px 2px 0px #0000000D;
    transition: background-color .3s ease;
}

.step-icon-box img {
    width: 26px;
    height: 26px;
    object-fit: contain;
    /* red icon by default, no filter needed since source icon is red */
    transition: filter .3s ease;
}

/* Solid red box (last step) — icon already white */
.step-icon-box.box-solid { background: var(--brand-red); }

/* ---------- HOVER STATE: box red, icon white ---------- */
.timeline-step:hover .step-icon-box {
    background: var(--brand-red);
}

.timeline-step:hover .step-icon-box img {
    filter: brightness(0) invert(1);
}

/* solid box already red on default, hover me same rahega */
.timeline-step:hover .step-icon-box.box-solid img {
    filter: none;
}

.step-content h4 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 6px;
    color: #121826;
}

.step-content p {
    font-size: 12px;
    color: #4B5563;
    line-height: 1.5;
    font-weight: 400;
}

.slider-dots { display: none; }


/* 
   11. HOW TO APPLY 
   = */
.loan-steps {
    --ink: #1c1c1c;
    --muted: #6b6b6b;
    --line: #e2e2e2;
    --red: #BD1B29;
    --bg: #ffffff;
}

.loan-steps * {
    box-sizing: border-box;
}

.loan-steps .ls-section {
    padding: 72px 24px 88px;
    max-width: 1240px;
    margin: 0 auto;
    background: var(--bg);
}

.loan-steps .ls-heading {
    text-align: center;
    max-width: 680px;
    margin: 0 auto 56px;
}

.loan-steps .ls-heading h2 {
    font-size: 34px;
    font-weight: 600;
    color: #271816;
}

.loan-steps .ls-heading p {
    font-size: 16px;
    color: #5B403D;
    margin: 0;
    font-weight: 400;
}

/* ---------- Desktop grid with connecting line ---------- */
.loan-steps .ls-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    position: relative;
}

.loan-steps .ls-steps::before {
    content: "";
    position: absolute;
    top: 44px;
    left: 10%;
    right: 10%;
    height: 1px;
    background-image: linear-gradient(to right, var(--line) 50%, transparent 50%);
    background-size: 10px 1px;
    z-index: 0;
}

.loan-steps .ls-step {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 0 14px;
}

.loan-steps .ls-icon-box {
    width: 80px;
    height: 80px;
    border-radius: 8px;
    border: 1px solid #FFFFFF80;
    background: #fff;
    box-shadow: 0px 1px 2px 0px #0000000D;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    cursor: pointer;
    transition: background-color .35s ease, border-color .35s ease, transform .35s ease, box-shadow .35s ease;
}

/* ---- image icon (img instead of inline SVG) ---- */
.loan-steps .ls-icon-box img {
    width: 34px;
    height: 34px;
    object-fit: contain;
    transition: filter .35s ease, transform .35s ease;
}

.loan-steps .ls-step:hover .ls-icon-box,
.loan-steps .ls-step.ls-active .ls-icon-box {
    background-color: var(--red);
    border-color: var(--red);
    transform: translateY(-6px);
    box-shadow: 0 12px 24px rgba(167, 25, 48, 0.28);
}

/* turns the icon white on hover/active — works best on a solid-color icon */
.loan-steps .ls-step:hover .ls-icon-box img,
.loan-steps .ls-step.ls-active .ls-icon-box img {
    filter: brightness(0) invert(1);
}

.loan-steps .ls-step h3 {
    font-size: 15px;
    font-weight: 700;
    margin: 0 0 10px;
    color: #121826;
}

.loan-steps .ls-step p {
    font-size: 14px;
    color: #4B5563;
    line-height: 1.5;
    margin: 0;
    max-width: 220px;
    font-weight: 400;
}

/* ---------- Mobile slider ---------- */
.loan-steps .ls-slider-wrap {
    display: none;
}

.loan-steps .ls-slider-track {
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    gap: 0;
    cursor: grab;
    user-select: none;
    scrollbar-width: none;
    -ms-overflow-style: none;
}

.loan-steps .ls-slider-track::-webkit-scrollbar { display: none; }
.loan-steps .ls-slider-track.ls-dragging { cursor: grabbing; }

.loan-steps .ls-slider-track .ls-step {
    flex: 0 0 100%;
    scroll-snap-align: center;
    padding: 8px 30px 0;
}

.loan-steps .ls-dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 24px;
}

.loan-steps .ls-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--line);
    transition: background-color .3s ease, width .3s ease;
    cursor: pointer;
}

.loan-steps .ls-dot.ls-active {
    background: var(--red);
    width: 22px;
    border-radius: 4px;
}


/* ============================================================
   12. FAQ SECTION
   ============================================================ */
.faq-section {
    padding: 80px 0 100px;
    background-color: var(--bg-white);
}

/* FAQ container */
.faq-container { max-width: 1100px; }

.faq-header {
    text-align: center;
    margin-bottom: 50px;
}

.faq-header h2 {
    font-size: 34px;
    font-weight: 600;
    color: #000000;
    margin-bottom: px;
}

.faq-header p {
    font-size: 16px;
    color: #5B403D;
    font-weight: 400;
}

.faq-points {
    list-style: none;
    margin: 12px 0 0;
    padding: 0;
}

.faq-points li {
    position: relative;
    padding-left: 22px;
    margin-bottom: 8px;
    /* font-size: 14px; */
    line-height: 1.5;
    color: #44474E;
}

.faq-points li::before {
    content: "●";
    position: absolute;
    left: 0;
    top: 1px;
    color: #44474E; /* brand red bullet */
    font-size: 14px;
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-bottom: 40px;
}

.faq-item {
    background: #FFFFFF;
    border: 1px solid #E1E2E4;
    border-radius: 16px;
    overflow: hidden;
    transition: border-color 0.3s ease, box-shadow 0.3s ease;
}

.faq-item:hover {
    border-color: #D1D5DB;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.02);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: transparent;
    border: none;
    padding: 24px;
    cursor: pointer;
    text-align: left;
    font-size: 18px;
    font-weight: 700;
    color: #2C2C2C;
    font-family: inherit;
}

.faq-question .chevron {
    color: var(--primary-red);
    flex-shrink: 0;
    margin-left: 16px;
    transition: transform 0.3s ease;
}

.faq-item.active .chevron {
    transform: rotate(180deg);
}

.faq-answer-wrapper {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.3s ease;
}

.faq-item.active .faq-answer-wrapper {
    grid-template-rows: 1fr;
}

.faq-answer-inner {
    overflow: hidden;
    padding: 0 24px;
}

.faq-item.active .faq-answer-inner {
    padding-bottom: 24px;
}

.faq-answer-inner p {
    margin: 0;
    font-size: 16px;
    line-height: 1.7;
    color: #44474E;
    font-weight: 500;
}

.extra-faq {
    display: none;
    opacity: 0;
    transform: translateY(10px);
    transition: opacity 0.4s ease, transform 0.4s ease;
}

.extra-faq.show {
    opacity: 1;
    transform: translateY(0);
}

.faq-cta-wrapper {
    display: flex;
    justify-content: center;
}

.btn-view-more {
    display: flex;
    align-items: center;
    gap: 8px;
    background-color: #BD1B29;
    color: var(--white);
    border: none;
    padding: 14px 28px;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: background-color 0.3s ease, transform 0.2s ease;
}

.btn-view-more:hover {
    background-color: var(--dark-red);
}

.btn-arrow {
    transition: transform 0.3s ease;
}

.btn-view-more.expanded .btn-arrow {
    transform: rotate(-90deg);
}


/* ============================================================
   13. ILLUSTRATION / LEGAL FOOTER
   ============================================================ */
.illustration-footer {
    background-color: #F8F8F8;
    padding: 20px 0;
}

.illustration-footer h5 {
    font-size: 20px;
    font-weight: 500;
    color: #000000;
}

.illustration-footer p {
    font-size: 12px;
    line-height: 1.6;
    color: #444444;
    margin: 0;
    font-weight: 500;
}
.flexi-title {
    font-size: 34px;
    color: #AF101A;
    font-weight: 700;
}

/* ============================================================
   14. MOBILE — BENEFITS AUTO-LOOP SLIDER (2 cards / 1 card view)
   ============================================================ */
@media (max-width: 768px) {
    .slider-viewport {
        width: 100%;
    }

    .benefits-grid {
        display: flex;
        flex-wrap: nowrap;
        gap: 14px;
        width: max-content; /* JS ke through translateX se move hoga */
        will-change: transform;
    }

    .benefit-card {
        flex: 0 0 calc(100vw - 40px); /* 1 card ek screen me dikhe */
        max-width: calc(100vw - 40px);
    }
}


/* ============================================================
   15. RESPONSIVE — ELIGIBILITY + DOCUMENTS SECTION
   ============================================================ */
@media (max-width: 991px) {
    .cards-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
}

@media (max-width: 576px) {
    .eligibility-section { padding: 40px 0; }
    .section-heading h2 { font-size: 22px; }
    .section-heading p { font-size: 12px !important; }

    .info-card { padding: 20px; border-radius: 14px; }
    .card-header h3 { font-size: 16px; }
    .icon-box { width: 36px; height: 36px; }

    .list-item { padding: 12px 14px; }
    .item-text h4 { font-size: 13.5px; }
    .item-text p { font-size: 12px; }
}


/* ============================================================
   16. RESPONSIVE — LEGACY TIMELINE / HERO SLIDER
   ============================================================ */
@media (max-width: 768px) {
    .hero-slider { border-radius: 14px; }
    .offer-banner { left: 14px; bottom: 14px; padding: 10px 14px; max-width: 90%; }
    .offer-banner p { font-size: 12.5px; }
    .hero-dots { left: 14px; bottom: 12px; }
}

/* ---------- Mobile: auto-looping slider (2s per slide) ---------- */
@media (max-width: 768px) {
    .timeline-wrapper {
        display: flex;
        flex-wrap: nowrap;
        overflow: hidden; /* JS controls the scroll position */
        scroll-behavior: smooth;
        gap: 0;
    }

    .timeline-wrapper::before { display: none; }

    .timeline-step {
        flex: 0 0 100%; /* ek slide = ek step, full width */
        max-width: 100%;
    }

    .slider-dots {
        display: flex;
        justify-content: center;
        gap: 8px;
        margin-top: 20px;
    }

    .slider-dots span {
        width: 8px;
        height: 8px;
        border-radius: 50%;
        background: #D9D2C3;
        transition: background .3s ease, transform .3s ease;
    }

    .slider-dots span.active {
        background: var(--brand-red);
        transform: scale(1.2);
    }
}


/* ============================================================
   17. RESPONSIVE — LOAN STEPS (current how-to-apply section)
   ============================================================ */
@media (max-width: 768px) {
    .loan-steps .ls-steps { display: none; }
    .loan-steps .ls-slider-wrap { display: block; }
    .loan-steps .ls-section { padding: 32px 0 32px; }
    .loan-steps .ls-heading { padding: 0 24px; margin-bottom: 40px; }
    .loan-steps .ls-heading h2 { font-size: 24px; }

    .loan-steps .ls-heading p {
        font-size: 12px;
        color: #5B403D;
        margin: 0;
        font-weight: 400;
    }
}

@media (prefers-reduced-motion: reduce) {
    .loan-steps .ls-icon-box,
    .loan-steps .ls-icon-box img {
        transition: none !important;
    }
}


/* ============================================================
   18. UNIVERSAL / GLOBAL BREAKPOINTS
   ============================================================ */

/* ---------- Extra Large Screens (> 1500px) ---------- */
@media (min-width: 1500px) {
    :root {
        --container-width: 1440px;
    }

    .hero-text h1 { font-size: 48px; }
    .hero-text .description { font-size: 18px; }
    .hero-grid { gap: 80px; }

    .benefits-grid { gap: 40px; }
    .benefit-card { padding: 40px 32px; }
    .benefits-header h2, .section-heading h2 { font-size: 42px; }

    .docs-card, .criteria-card { padding: 50px; }

    /* Ensure FAQ stays readable on ultra-wide */
    .faq-container { max-width: 1100px; }
    .loan-steps .ls-step p {
    font-size: 16px;
    color: #4B5563;
    line-height: 1.5;
    margin: 0;
    max-width: 220px;
    font-weight: 400;
}

.stat-item h3 {
    font-size: 24px;
    color: var(--dark-red);
    margin-bottom: px;
    font-weight: 700;
}
.loan-steps .ls-step h3 {
    font-size: 18px;
    font-weight: 700;
    margin: 0 0 10px;
    color: #121826;
}
.loan-steps .ls-section {
    padding: 72px 24px 88px;
    max-width: 1400px;
    margin: 0 auto;
    background: var(--bg);
}
.benefit-card h3 {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 8px;
    color: #1a1a1a;
}
.benefit-card p {
    font-size: 16px;
    color: #666;
    line-height: 1.55;
}

.benefit-tag {
    font-size: 12px;}

    .section-heading p {
    color: var(--text-muted);
    font-size: 20px;}

    .loan-steps .ls-heading h2 {
    font-size: 42px;
    font-weight: 600;
    color: #271816;
}

.loan-steps .ls-heading p {
    font-size: 20px;
    color: #5B403D;
    margin: 0;
    font-weight: 400;
}
.faq-header h2 {
    font-size: 42px;}

    .faq-header p {
    font-size: 20px;
    color: #5B403D;
    font-weight: 400;
}

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

.card-header h3 {
    font-size: 32px;
    font-weight: 400;
    color: #271816;
}

.card-subtitle {
    font-size: 22px;
    color: #5B403D;}

    .item-text h4 {
    font-size: 20px;}

    .item-text p {
    font-size: 18px;
    color: #5B403D;}

    .faq-question {font-size: 20px;}

    .faq-answer-inner p {
    margin: 0;
    font-size: 18px;}
    .row-icon {
    flex-shrink: 0;
    margin-top: 6px;
}

.info-card.card-first {
    padding: 40px 30px 141px 30px;
}
}

/* ---------- Laptops & Tablets Landscape (< 1200px) ---------- */
@media (max-width: 1200px) {
    .benefits-grid { gap: 20px; }
    .benefit-card { padding: 28px 20px; }

    .docs-grid, .criteria-grid { grid-template-columns: repeat(3, 1fr); }

    .timeline-wrapper::before { left: 10%; right: 10%; }
    .step-content h4 { font-size: 15px; }
    .step-content p { font-size: 12.5px; }
}

/* ---------- Tablets Portrait (< 1024px) ---------- */
@media (max-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr; }
    .hero-image-wrapper { margin-bottom: 30px; }
    .main-header .main-nav, .top-bar-container .top-nav { display: none; }

    .form-card { max-width: 600px; margin: 0 auto; }
    .form-badge { right: 15%; transform: translateX(50%); }
}

/* ---------- Tablets Portrait & Large Mobile (< 992px) ---------- */
@media (max-width: 992px) {
    .benefits-grid, .docs-grid, .criteria-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px;
    }

    .benefits-header h2, .section-heading h2 { font-size: 32px; }
    .benefits-header p br { display: none; }

    .docs-card, .criteria-card { padding: 30px; }

    /* Switch How-to to Vertical Timeline */
    .how-to-apply-section { padding: 70px 0; }
    .timeline-wrapper { grid-template-columns: 1fr; gap: 0; max-width: 500px; margin: 0 auto; }
    .timeline-wrapper::before { left: 40px; top: 0; bottom: 0; width: 1px; height: 100%; }
    .timeline-step { flex-direction: row; text-align: left; margin-bottom: 40px; }
    .step-icon-box { margin-bottom: 0; margin-right: 32px; flex-shrink: 0; width: 80px; height: 80px; }
    .step-content { padding-top: 10px; }
    .step-content p { max-width: 100%; }

    .faq-header h2 { font-size: 30px; }
}



/* ---------- Mobile Devices (< 768px) ---------- */
@media (max-width: 768px) {

    .flexi-title {
    font-size: 24px;
    color: #AF101A;
    font-weight: 700;
}
    .form-card h2 {
    font-size: 24px;
    margin-bottom: 24px;
    color: var(--text-main);
    font-weight: 600;
}
    .hero-text h1 { font-size: 24px; }
    .offer-banner { font-size: 16px; padding: 16px; width: 100%; border-radius: 0 0 20px 20px; }
    .hero-stats { flex-direction: column; gap: 20px; }
    .header-actions .btn-outline, .header-actions .login-btn { padding: 6px 12px; font-size: 11px; }
    .radio-options { flex-direction: column; }

    .benefits-section, .eligibility-section, .how-to-apply-section, .faq-section { padding: 50px 0; }
    .benefits-grid, .docs-grid, .criteria-grid { grid-template-columns: 1fr; gap: 24px; }

    .benefits-header h2, .section-heading h2 { font-size: 24px; }

    .doc-item, .criteria-item { padding: 16px; }

    .timeline-wrapper::before { left: 30px; }
    .step-icon-box { width: 60px; height: 60px; margin-right: 20px; }
    .step-icon-box svg { width: 20px; height: 20px; }

    .faq-header h2 { font-size: 22px; }
    .faq-question { padding: 16px; font-size: 15px; }
    .faq-answer-inner p {
    margin: 0;
    font-size: 14px;
    line-height: 1.7;
    color: #44474E;
    font-weight: 500;
}
    .faq-answer-inner { padding: 0 16px; }
    .faq-item.active .faq-answer-inner { padding-bottom: 16px; }
    .illustration-footer { padding: 10px 0; }

    .stat-item h3 {
        font-size: 18px;
        color: var(--dark-red);
        margin-bottom: px;
        font-weight: 700;
    }

    .stat-item p {
        font-size: 12px;
        color: #5B403D;
        font-weight: 400;
    }

    .illustration-footer p {
        font-size: 10px;
        line-height: 1.6;
        color: #444444;
        margin: 0;
        font-weight: 500;
    }

    .faq-header p {
        font-size: 14px;
        color: #5B403D;
        font-weight: 400;
    }

    .card-subtitle {
        font-size: 12px;
        color: #5B403D;
        margin-bottom: 20px;
        line-height: 1.5;
        font-weight: 400;
    }

    card-header h3 {
        font-size: 20px;
    }

    .benefits-header p {
        font-size: 12px;
        color: #5B403D;
        line-height: 1.6;
        max-width: 700px;
        margin: 0 auto;
        font-weight: 500;
    }

    .info-card.card-first {
        padding: 20px;
    }

    section.benefits-section {
        padding: 30px 1px 1px 1px;
    }
}

/* ---------- Mobile: sab kuch center align (timeline + hero) ---------- */
@media (max-width: 768px) {
    .timeline-step {
        display: flex;
        flex-direction: column;
        align-items: center; /* horizontally center */
        text-align: center;  /* text bhi center */
    }

    .step-icon-box {
        margin: 0 auto 20px;
    }

    .step-content {
        display: flex;
        flex-direction: column;
        align-items: center;
    }

    .hero-section {
        padding: 20px 1px;
        background: #ffff;
    }

    .hero-text .description {
        font-size: 14px;
        color: #5B403D;
        margin-bottom: 12px;
        max-width: 90%;
        font-weight: 500;
    }

    .divider {
        border: none;
        border-top: 1px solid var(--line-color);
        margin-bottom: 14px;
    }

    .form-card {
        background: var(--white);
        border-radius: 12px;
        padding: 16px;
        box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
    }

    .form-badge {
        position: absolute;
        top: px;
        right: px;
        background: var(--primary-red);
        color: var(--white);
        font-size: 8px;
        font-weight: 700;
        padding: 6px 12px;
        border-radius: 20px;
        z-index: 2;
    }

    .form-group label {
        display: block;
        font-size: 14px;
        color: var(--text-main);
        margin-bottom: 8px;
        font-weight: 400;
    }

    .form-group input[type="text"],
    .form-group input[type="tel"],
    .form-group input[type="number"] {
        width: 100%;
        padding: 12px 16px;
        border: 1px solid var(--border-color);
        border-radius: 8px;
        font-size: 12px;
        font-family: var(--font-family);
        transition: border-color 0.3s;
        font-weight: 400;
        background-color: #F8F9FA;
    }

    button#sendOtpBtn {
        font-size: 12px;
    }

    .terms-text {
        font-size: 10px;
        text-align: center;
        color: var(--text-light);
        margin-top: 16px;
        font-weight: 400;
    }

    .form-group {
        margin-bottom: 12px;
    }

    
}


/* ============================================================
   19. RESPONSIVE — RADIO BOX / BENEFITS SLIDER (mobile)
   ============================================================ */
@media (max-width: 767px) {
    .slider-viewport {
        scrollbar-width: none;
        -ms-overflow-style: none;
        scroll-behavior: smooth;
    }

    .slider-viewport::-webkit-scrollbar {
        display: none;
    }

    .radio-box {
        flex: 1 1 0;
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 10px;
        padding: 8px 6px !important;
        border: 1px solid #737783;
        border-radius: 8px;
    }

    .radio-box span {
        line-height: 1;
        font-size: 12px;
        color: #1a1a1a;
    }

    .benefits-grid {
        display: flex;
        gap: 15px;
        width: max-content;
    }

    .benefit-card {
        flex: 0 0 calc(100vw - 40px);
        width: calc(100vw - 40px);
    }
}


/* ============================================================
   20. UTILITY — MOBILE LINE BREAK HELPER
   ============================================================ */
.mobile-break {
    display: none; /* desktop par hidden — 1 line mein rahega */
}

@media (max-width: 768px) {
    .mobile-break {
        display: block; /* mobile par line break ban jayega */
    }
}



.slider-viewport {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scroll-snap-type: x mandatory;
}

.benefits-grid {
    display: flex;
    flex-wrap: nowrap;
    gap: 16px;
}

.benefit-card {
    flex: 0 0 85%;   /* mobile par ek card visible, thoda next dikhega */
    scroll-snap-align: start;
}

@media (min-width: 768px) {
    .benefit-card {
        flex: 0 0 calc(25% - 12px); /* desktop par 4 cards */
    }
}