:root {
  --header: #ffffff;
  --hero: linear-gradient(180deg, #ffffff 0%, #fffaf5 100%);
  --icon: #ea580c;
}

body {
  background: #ffffff;
  color: #0f172a;
}

/* Luminous Modern Navbar */
.site-header {
  background: rgba(255, 255, 255, 0.98);
  border-bottom: 1px solid #fed7aa;
  box-shadow: 0 2px 10px rgba(234, 88, 12, 0.04);
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(8px);
}

.brand {
  color: #0a1f44;
  letter-spacing: -0.02em;
  font-weight: 800;
  font-size: 22px;
  display: flex;
  align-items: center;
  gap: 10px;
  transition: opacity 0.2s ease;
}

.brand:hover {
  opacity: 0.88;
}

.brand img {
  box-shadow: 0 4px 12px rgba(234, 88, 12, 0.25);
  border-radius: 10px;
}

.brand-group {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header-apply-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #ff7828 0%, #ea580c 100%);
  color: #ffffff;
  font-weight: 700;
  font-size: 13.5px;
  padding: 8px 18px;
  border-radius: 999px;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(234, 88, 12, 0.35);
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  letter-spacing: 0.01em;
  white-space: nowrap;
}

.header-apply-btn:hover {
  background: linear-gradient(135deg, #ea580c 0%, #c2410c 100%);
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(234, 88, 12, 0.45);
  color: #ffffff;
}

.nav a {
  padding: 8px 18px;
  border-radius: 999px;
  background: #fff7ed;
  color: #0a1f44;
  font-weight: 600;
  font-size: 14px;
  border: 1px solid #fed7aa;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none;
}

.nav {
  display: flex;
  align-items: center;
  gap: 12px;
}


.nav a:hover {
  background: #ea580c;
  color: #ffffff;
  border-color: #ea580c;
  box-shadow: 0 4px 12px rgba(234, 88, 12, 0.3);
}

/* Hero Section (True Balance Style with Cognitive Hierarchy) */
.hero {
  padding: 56px 0 60px;
  position: relative;
  background: var(--hero);
  border-bottom: 1px solid #fff1e6;
}

.hero h1 {
  letter-spacing: -0.03em;
  color: #0a1f44;
  font-weight: 800;
  font-size: 38px;
  line-height: 1.22;
  margin-bottom: 16px;
  max-width: 560px;
}


.lead {
  color: #334155;
  font-size: 18.5px;
  line-height: 1.6;
  max-width: 32rem;
  margin-bottom: 20px;
}

.graphic {
  border-radius: 24px;
  box-shadow: 0 20px 45px -12px rgba(234, 88, 12, 0.22), 0 8px 20px -6px rgba(10, 31, 68, 0.1);
  border: 2px solid #fed7aa;
  transition: transform 0.25s ease;
}

.graphic:hover {
  transform: translateY(-2px);
}

/* Right Apply Box (Cognitive Conversion Card) */
.apply-card {
  background: #ffffff;
  border: 1.5px solid #fed7aa;
  border-radius: 20px;
  box-shadow: 0 20px 45px -10px rgba(234, 88, 12, 0.12), 0 0 0 1px rgba(10, 31, 68, 0.02);
  padding: 32px 28px 24px;
  text-align: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.apply-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 24px 50px -10px rgba(234, 88, 12, 0.18);
}

.apply-card h2 {
  font-size: 24px;
  letter-spacing: -0.02em;
  color: #0a1f44;
  margin: 0 0 18px;
  font-weight: 800;
}

/* Neuromarketing Loan Limit Callout Badge */
.apply-card h2::after {
  content: "Instant Cash: ₹10,000 – ₹50,000";
  display: block;
  font-size: 13.5px;
  font-weight: 700;
  color: #ea580c;
  background: #fff7ed;
  border: 1px solid #fed7aa;
  border-radius: 999px;
  padding: 5px 14px;
  margin: 10px auto 0;
  width: fit-content;
  letter-spacing: 0.01em;
}

/* Hide bulky boilerplate paragraph */
.apply-card p:not(.note) {
  display: none;
}

/* Von Restorff Isolation Effect: Chromatic Pulsing CTA Button */
@keyframes cta-pulse {
  0% {
    box-shadow: 0 12px 28px -4px rgba(234, 88, 12, 0.45), 0 0 0 0 rgba(234, 88, 12, 0.35);
  }

  70% {
    box-shadow: 0 14px 32px -4px rgba(234, 88, 12, 0.55), 0 0 0 10px rgba(234, 88, 12, 0);
  }

  100% {
    box-shadow: 0 12px 28px -4px rgba(234, 88, 12, 0.45), 0 0 0 0 rgba(234, 88, 12, 0);
  }
}

.button {
  background: linear-gradient(135deg, #ff7828 0%, #ea580c 100%);
  border-radius: 14px;
  padding: 18px 24px;
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: #ffffff;
  animation: cta-pulse 2.4s infinite cubic-bezier(0.4, 0, 0.6, 1);
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  border: 1px solid rgba(255, 255, 255, 0.25);
  margin: 0 0 14px;
  display: block;
  width: 100%;
  text-decoration: none;
}

.button:hover {
  background: linear-gradient(135deg, #ea580c 0%, #c2410c 100%);
  transform: translateY(-2px);
  box-shadow: 0 16px 34px -4px rgba(234, 88, 12, 0.6);
  color: #ffffff;
}

.button:active {
  transform: translateY(1px);
}

.note {
  color: #64748b;
  font-size: 12.5px;
  line-height: 1.45;
  margin: 0;
  text-align: center;
}

/* Risk Reversal Badge on Note */
.note::before {
  content: "🔒 100% Paperless • Zero Advance Fees\A";
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: #16a34a;
  margin-bottom: 6px;
  white-space: pre;
}

/* True Balance 4-Feature Benefits Grid (Miller's Law Chunking) */
.benefits {
  background: #ffffff;
  padding: 48px 0;
}

.benefits h2 {
  text-align: center;
  font-size: 32px;
  font-weight: 800;
  color: #0a1f44;
  position: relative;
  margin-bottom: 24px;
}

.benefits h2::after {
  content: "";
  display: block;
  width: 64px;
  height: 4px;
  background: #ea580c;
  border-radius: 999px;
  margin: 12px auto 0;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 20px;
}

@media (max-width: 768px) {
  .benefit-grid {
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    padding: 10px 4px 20px;
    -webkit-overflow-scrolling: touch;
    gap: 16px;
  }

  .benefit {
    flex: 0 0 260px;
    scroll-snap-align: center;
  }
}

.benefit {
  background: #ffffff;
  border-radius: 18px;
  border: 1.5px solid #fed7aa;
  padding: 24px 20px 22px;
  box-shadow: 0 4px 16px rgba(234, 88, 12, 0.06);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

/* Subtle Floating Animation for Benefit Cards */
@keyframes benefit-float-a {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-5px);
  }
}

@keyframes benefit-float-b {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-5px);
  }
}

.benefit:nth-child(1) {
  animation: benefit-float-a 5s ease-in-out infinite 0s;
}

.benefit:nth-child(2) {
  animation: benefit-float-b 5s ease-in-out infinite 1.25s;
}

.benefit:nth-child(3) {
  animation: benefit-float-a 5s ease-in-out infinite 2.5s;
}

.benefit:nth-child(4) {
  animation: benefit-float-b 5s ease-in-out infinite 3.75s;
}

.benefit:hover {
  animation-play-state: paused;
  transform: translateY(-8px) scale(1.025);
  box-shadow: 0 18px 36px -6px rgba(234, 88, 12, 0.18);
  border-color: #ea580c;
}

.benefit h3 {
  color: #0a1f44;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.01em;
  margin-bottom: 6px;
}

.benefit p {
  color: #64748b;
  font-size: 13.5px;
  line-height: 1.5;
  margin: 0;
}

.icon {
  border-radius: 16px;
  width: 56px;
  height: 56px;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.benefit:hover .icon {
  transform: scale(1.1);
}

/* Colorish Benefit Icons (Indian FinTech Palette) */
.benefit:nth-child(1) .icon {
  background: linear-gradient(135deg, #10b981 0%, #059669 100%);
  box-shadow: 0 8px 18px -4px rgba(16, 185, 129, 0.45);
}

.benefit:nth-child(2) .icon {
  background: linear-gradient(135deg, #3b82f6 0%, #1d4ed8 100%);
  box-shadow: 0 8px 18px -4px rgba(59, 130, 246, 0.45);
}

.benefit:nth-child(3) .icon {
  background: linear-gradient(135deg, #ff7828 0%, #ea580c 100%);
  box-shadow: 0 8px 18px -4px rgba(234, 88, 12, 0.45);
}

.benefit:nth-child(4) .icon {
  background: linear-gradient(135deg, #8b5cf6 0%, #6d28d9 100%);
  box-shadow: 0 8px 18px -4px rgba(139, 92, 246, 0.45);
}

/* "What We Offer" Section (True Balance 2-Column with 3D Phone) */
.about {
  padding: 40px 0 64px;
  background: #fffdfa;
}

.about h2 {
  text-align: center;
  font-size: 34px;
  font-weight: 800;
  color: #0a1f44;
  margin: 48px 0 16px;
  position: relative;
}

.about h2::after {
  content: "";
  display: block;
  width: 64px;
  height: 4px;
  background: #ea580c;
  border-radius: 999px;
  margin: 10px auto 0;
}

.offer-section-wrap {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 48px;
  align-items: center;
  max-width: 1000px;
  margin: 36px auto 56px;
  padding: 0 12px;
}

@media (max-width: 860px) {
  .offer-section-wrap {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 32px;
  }
}

.offer-phone-col {
  display: flex;
  justify-content: center;
  align-items: center;
}

.offer-phone-3d {
  width: 100%;
  max-width: 390px;
  height: auto;
  border-radius: 28px;
  box-shadow: 0 24px 50px -12px rgba(234, 88, 12, 0.25), 0 8px 20px -6px rgba(10, 31, 68, 0.1);
  border: 2px solid #fed7aa;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.offer-phone-3d:hover {
  transform: translateY(-6px) scale(1.02);
  box-shadow: 0 30px 60px -12px rgba(234, 88, 12, 0.35);
}

.offer-content-col {
  display: flex;
  flex-direction: column;
}

.offer-tabs {
  display: flex;
  gap: 16px;
  margin-bottom: 20px;
  border-bottom: 1.5px solid #fed7aa;
  padding-bottom: 10px;
  flex-wrap: wrap;
}

@media (max-width: 860px) {
  .offer-tabs {
    justify-content: center;
  }
}

.offer-tab {
  font-weight: 700;
  font-size: 15px;
  color: #64748b;
  cursor: pointer;
  padding: 4px 8px;
  position: relative;
  transition: color 0.2s ease;
}

.offer-tab.active {
  color: #ea580c;
}

.offer-tab.active::after {
  content: "";
  position: absolute;
  bottom: -12px;
  left: 0;
  right: 0;
  height: 3px;
  background: #ea580c;
  border-radius: 999px;
}

.offer-title {
  font-size: 26px;
  font-weight: 800;
  color: #0a1f44;
  margin: 0 0 10px;
  line-height: 1.3;
  letter-spacing: -0.02em;
}

.disbursal-badge {
  font-size: 15px;
  font-weight: 500;
  color: #64748b;
}

.offer-rate-line {
  font-size: 16px;
  color: #334155;
  margin: 0 0 20px;
  font-weight: 500;
}

.highlight-orange {
  color: #ea580c;
  font-weight: 700;
}

.offer-features-list {
  list-style: none;
  padding: 0;
  margin: 0 0 26px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.offer-features-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: #334155;
  line-height: 1.5;
  text-align: left;
}

.offer-check-circle {
  background: #fff7ed;
  border: 1.5px solid #fed7aa;
  color: #ea580c;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 12px;
  flex-shrink: 0;
  margin-top: 2px;
}

.know-more-btn {
  display: inline-block;
  background: linear-gradient(135deg, #ff7828 0%, #ea580c 100%);
  color: #ffffff;
  font-weight: 700;
  font-size: 16px;
  padding: 13px 36px;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 8px 20px -4px rgba(234, 88, 12, 0.4);
  transition: all 0.2s ease;
  width: fit-content;
}

@media (max-width: 860px) {
  .know-more-btn {
    margin: 0 auto;
  }
}

.know-more-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px -4px rgba(234, 88, 12, 0.55);
  color: #ffffff;
}

/* 3-Step Process & Trust Lists */
.about ul:not(.offer-features-list) {
  background: #ffffff;
  border: 1.5px solid #fed7aa;
  border-radius: 20px;
  padding: 24px 32px;
  box-shadow: 0 12px 32px -6px rgba(234, 88, 12, 0.08);
  list-style: none;
  max-width: 680px;
  margin: 0 auto 32px;
}

.about ul:not(.offer-features-list) li {
  position: relative;
  padding: 12px 0 12px 36px;
  font-size: 15.5px;
  color: #334155;
  line-height: 1.55;
  border-bottom: 1px dashed #fed7aa;
}

.about ul:not(.offer-features-list) li:last-child {
  border-bottom: none;
}

.about ul:not(.offer-features-list) li::before {
  content: "✔";
  position: absolute;
  left: 0;
  color: #16a34a;
  font-weight: 800;
  font-size: 18px;
}

/* =========================================================
   Animated 3-Step Loan Process (Sequential Eye-Catching Flow)
   ========================================================= */
.steps-process-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  max-width: 1040px;
  margin: 36px auto 56px;
  padding: 0 16px;
  flex-wrap: wrap;
}

@media (min-width: 900px) {
  .steps-process-container {
    flex-wrap: nowrap;
  }
}

.step-card {
  flex: 1;
  min-width: 250px;
  max-width: 320px;
  background: #ffffff;
  border: 1.5px solid #fed7aa;
  border-radius: 20px;
  padding: 28px 22px 24px;
  text-align: center;
  position: relative;
  box-shadow: 0 6px 20px rgba(234, 88, 12, 0.05);
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.step-badge-wrapper {
  position: relative;
  width: 44px;
  height: 44px;
  margin-bottom: 16px;
}

.step-number {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #fff7ed;
  border: 2px solid #fed7aa;
  color: #ea580c;
  font-weight: 800;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 2;
  transition: all 0.3s ease;
}

.step-beacon {
  position: absolute;
  top: -4px;
  left: -4px;
  right: -4px;
  bottom: -4px;
  border-radius: 50%;
  border: 2px solid #ea580c;
  opacity: 0;
  pointer-events: none;
}

.step-icon-box {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: #fff7ed;
  color: #ea580c;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  transition: all 0.3s ease;
}

.step-icon-box svg {
  width: 26px;
  height: 26px;
}

.step-title {
  font-size: 19px;
  font-weight: 800;
  color: #0a1f44;
  margin: 0 0 8px;
  letter-spacing: -0.01em;
}

.step-desc {
  font-size: 13.5px;
  color: #64748b;
  line-height: 1.5;
  margin: 0 0 16px;
  flex-grow: 1;
}

.step-status {
  font-size: 11.5px;
  font-weight: 700;
  color: #ea580c;
  background: #fff7ed;
  border: 1px solid #fed7aa;
  border-radius: 999px;
  padding: 4px 12px;
  transition: all 0.3s ease;
}

.step-connector {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 40px;
  color: #ea580c;
  font-size: 22px;
  font-weight: 800;
  transition: all 0.3s ease;
}

@media (max-width: 899px) {
  .step-connector {
    transform: rotate(90deg);
    margin: 6px 0;
  }
}

/* Sequential Eye-Catching Step Highlight Animation (6-second loop) */
@keyframes step-one-glow {

  0%,
  30% {
    transform: translateY(-8px) scale(1.03);
    border-color: #ea580c;
    box-shadow: 0 16px 36px -4px rgba(234, 88, 12, 0.38);
    background: linear-gradient(180deg, #ffffff 0%, #fff7ed 100%);
  }

  38%,
  100% {
    transform: translateY(0) scale(1);
    border-color: #fed7aa;
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.05);
    background: #ffffff;
  }
}

@keyframes step-two-glow {

  0%,
  30% {
    transform: translateY(0) scale(1);
    border-color: #fed7aa;
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.05);
    background: #ffffff;
  }

  33%,
  63% {
    transform: translateY(-8px) scale(1.03);
    border-color: #ea580c;
    box-shadow: 0 16px 36px -4px rgba(234, 88, 12, 0.38);
    background: linear-gradient(180deg, #ffffff 0%, #fff7ed 100%);
  }

  71%,
  100% {
    transform: translateY(0) scale(1);
    border-color: #fed7aa;
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.05);
    background: #ffffff;
  }
}

@keyframes step-three-glow {

  0%,
  63% {
    transform: translateY(0) scale(1);
    border-color: #fed7aa;
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.05);
    background: #ffffff;
  }

  66%,
  96% {
    transform: translateY(-8px) scale(1.03);
    border-color: #16a34a;
    box-shadow: 0 16px 36px -4px rgba(22, 163, 74, 0.38);
    background: linear-gradient(180deg, #ffffff 0%, #f0fdf4 100%);
  }

  100% {
    transform: translateY(0) scale(1);
    border-color: #fed7aa;
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.05);
    background: #ffffff;
  }
}

/* Attach animations */
.step-card-1 {
  animation: step-one-glow 6s infinite ease-in-out;
}

.step-card-2 {
  animation: step-two-glow 6s infinite ease-in-out;
}

.step-card-3 {
  animation: step-three-glow 6s infinite ease-in-out;
}

/* On card hover, pause and keep active */
.step-card:hover {
  transform: translateY(-8px) scale(1.03) !important;
  border-color: #ea580c !important;
  box-shadow: 0 18px 40px -4px rgba(234, 88, 12, 0.42) !important;
  background: linear-gradient(180deg, #ffffff 0%, #fff7ed 100%) !important;
}

.step-card-3:hover {
  border-color: #16a34a !important;
  box-shadow: 0 18px 40px -4px rgba(22, 163, 74, 0.42) !important;
  background: linear-gradient(180deg, #ffffff 0%, #f0fdf4 100%) !important;
}

/* Horizontal Sliding Flex Reviews with Tiny User Photo */
.reviews-marquee-container {
  overflow: hidden;
  width: 100%;
  max-width: 1040px;
  margin: 28px auto 56px;
  padding: 14px 0;
  position: relative;
  mask-image: linear-gradient(to right, transparent, black 5%, black 95%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 5%, black 95%, transparent);
}

.reviews-track {
  display: flex;
  gap: 24px;
  width: max-content;
  animation: slide-reviews 28s linear infinite;
  will-change: transform;
}

.reviews-marquee-container:hover .reviews-track {
  animation-play-state: paused;
}

@keyframes slide-reviews {
  0% {
    transform: translateX(0);
  }

  100% {
    transform: translateX(-50%);
  }
}

.review-card {
  flex: 0 0 340px;
  background: #ffffff;
  border: 1.5px solid #fed7aa;
  border-radius: 20px;
  padding: 22px;
  box-shadow: 0 8px 22px rgba(234, 88, 12, 0.06);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.review-card:hover {
  transform: translateY(-4px) scale(1.02);
  border-color: #ea580c;
  background: linear-gradient(180deg, #ffffff 0%, #fff7ed 100%);
  box-shadow: 0 16px 36px -4px rgba(234, 88, 12, 0.32);
}

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

.review-user-thumb {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid #ea580c;
  box-shadow: 0 2px 8px rgba(234, 88, 12, 0.25);
  flex-shrink: 0;
}

.review-user-details {
  display: flex;
  flex-direction: column;
  flex-grow: 1;
  text-align: left;
}

.review-user-name {
  font-weight: 800;
  font-size: 15px;
  color: #0a1f44;
}

.review-user-state {
  font-size: 12px;
  color: #64748b;
  font-weight: 600;
}

.review-rating-stars {
  color: #ea580c;
  font-size: 14px;
  letter-spacing: 1px;
}

.review-card-quote {
  font-size: 14px;
  color: #334155;
  line-height: 1.55;
  text-align: left;
  margin: 0;
}

/* Modern FAQ Accordion Dropdowns */
.faq-list {
  max-width: 720px;
  margin: 28px auto 48px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  background: #ffffff;
  border: 1.5px solid #fed7aa;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(234, 88, 12, 0.05);
  transition: all 0.25s ease;
}

.faq-item:hover {
  border-color: #ea580c;
  box-shadow: 0 8px 24px rgba(234, 88, 12, 0.12);
}

.faq-item[open] {
  border-color: #ea580c;
  box-shadow: 0 8px 24px rgba(234, 88, 12, 0.14);
}

.faq-question {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  font-weight: 700;
  font-size: 16px;
  color: #0a1f44;
  user-select: none;
  transition: color 0.2s ease;
}

.faq-question::-webkit-details-marker {
  display: none;
}

.faq-question::marker {
  display: none;
}

.faq-question:hover {
  color: #ea580c;
}

.faq-icon {
  color: #ea580c;
  transition: transform 0.25s ease;
  flex-shrink: 0;
}

details[open] .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 22px 18px;
  border-top: 1px dashed #fed7aa;
  margin-top: 2px;
  padding-top: 14px;
}

.faq-answer p {
  color: #475569;
  font-size: 14.5px;
  line-height: 1.6;
  margin: 0;
  text-align: left;
}

/* Rich FinTech Footer (Background Matches Header) */
.site-footer {
  background: rgba(255, 255, 255, 0.98);
  color: #64748b;
  border-top: 1.5px solid #fed7aa;
  box-shadow: 0 -4px 16px rgba(234, 88, 12, 0.03);
  padding: 56px 0 28px;
  font-size: 14px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
  gap: 36px;
  margin-bottom: 36px;
}

@media (max-width: 860px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

.footer-col h4 {
  font-size: 16px;
  font-weight: 800;
  color: #0a1f44;
  margin: 0 0 16px;
  letter-spacing: -0.01em;
}

.footer-tagline {
  font-size: 13.5px;
  font-weight: 700;
  color: #ea580c;
  margin: 8px 0 10px;
}

.footer-desc {
  font-size: 13.5px;
  color: #64748b;
  line-height: 1.55;
  margin: 0;
  max-width: 320px;
}

.footer-apply-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #ff7828 0%, #ea580c 100%);
  color: #ffffff;
  font-weight: 700;
  font-size: 14px;
  padding: 10px 22px;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(234, 88, 12, 0.3);
  transition: all 0.2s ease;
  margin-top: 14px;
  width: fit-content;
}

.footer-apply-btn:hover {
  background: linear-gradient(135deg, #ea580c 0%, #c2410c 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(234, 88, 12, 0.45);
  color: #ffffff;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links li a {
  color: #475569;
  font-weight: 500;
  font-size: 14px;
  text-decoration: none;
  transition: color 0.2s ease, transform 0.2s ease;
  display: inline-block;
}

.footer-links li a:hover {
  color: #ea580c;
  transform: translateX(3px);
}

.trust-badge {
  font-size: 13px;
  font-weight: 600;
  color: #334155;
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer-disclaimer {
  border-top: 1px dashed #fed7aa;
  padding: 24px 0;
  margin-bottom: 20px;
}

.footer-disclaimer p {
  font-size: 12.5px;
  color: #64748b;
  line-height: 1.6;
  margin: 0;
  text-align: left;
}

.footer-disclaimer strong {
  color: #0a1f44;
}

.footer-bottom {
  border-top: 1px solid #f1f5f9;
  padding-top: 20px;
  font-size: 13.5px;
  color: #64748b;
  text-align: center;
}

.footer-bottom a {
  color: #0a1f44;
  font-weight: 700;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-bottom a:hover {
  color: #ea580c;
}

/* =========================================================
   Comprehensive Mobile Responsiveness (Up to 768px & 480px)
   ========================================================= */
@media (max-width: 768px) {

  /* Prevent horizontal overflow */
  html,
  body {
    overflow-x: hidden;
  }

  .wrap {
    width: calc(100% - 28px);
  }

  /* Header on Mobile */
  .site-header {
    position: sticky;
    top: 0;
  }

  .site-header .wrap {
    min-height: 60px;
    padding: 8px 0;
    gap: 8px;
  }

  .brand-group {
    gap: 8px;
  }

  .brand {
    font-size: 17px;
    gap: 8px;
  }

  .brand img {
    width: 34px;
    height: 34px;
  }

  .header-apply-btn {
    font-size: 12px;
    padding: 6px 12px;
  }

  .nav a {
    padding: 6px 14px;
    font-size: 13px;
  }

  /* Hero Section */
  .hero {
    padding: 30px 0 36px;
  }

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

  .hero h1 {
    font-size: 28px;
    line-height: 1.22;
    margin-bottom: 12px;
  }

  .lead {
    font-size: 15.5px;
    line-height: 1.55;
    margin-bottom: 16px;
  }

  .graphic {
    max-width: 280px;
    margin: 12px auto 0;
  }

  .apply-card {
    padding: 24px 18px 20px;
    border-radius: 18px;
  }

  .apply-card h2 {
    font-size: 21px;
    margin-bottom: 14px;
  }

  .apply-card h2::after {
    font-size: 12.5px;
    padding: 4px 12px;
  }

  .button {
    font-size: 18px;
    padding: 16px 20px;
    border-radius: 12px;
  }

  /* Benefits Section */
  .benefits {
    padding: 36px 0;
  }

  .benefits h2 {
    font-size: 26px;
    margin-bottom: 18px;
  }

  .benefit-grid {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }

  .benefit {
    padding: 18px 12px;
    border-radius: 14px;
  }

  .benefit h3 {
    font-size: 15px;
  }

  .benefit p {
    font-size: 12.5px;
  }

  .icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    margin-bottom: 10px;
  }

  .icon svg {
    width: 22px;
    height: 22px;
  }

  /* What We Offer Section */
  .about {
    padding: 28px 0 44px;
  }

  .about h2 {
    font-size: 26px;
    margin: 36px 0 14px;
  }

  .offer-section-wrap {
    grid-template-columns: 1fr;
    gap: 24px;
    margin: 20px auto 36px;
    padding: 0 4px;
  }

  .offer-phone-3d {
    max-width: 270px;
    border-radius: 20px;
  }

  .offer-tabs {
    gap: 8px;
    justify-content: center;
    border-bottom-width: 1px;
    padding-bottom: 8px;
  }

  .offer-tab {
    font-size: 13px;
    padding: 4px 6px;
  }

  .offer-title {
    font-size: 21px;
    line-height: 1.3;
    text-align: center;
  }

  .offer-rate-line {
    font-size: 14px;
    text-align: center;
    margin-bottom: 16px;
  }

  .offer-features-list {
    margin-bottom: 20px;
    gap: 12px;
  }

  .offer-features-list li {
    font-size: 13.5px;
  }

  .offer-check-circle {
    width: 22px;
    height: 22px;
    font-size: 11px;
  }

  .know-more-btn {
    width: 100%;
    text-align: center;
    padding: 13px 20px;
    font-size: 15px;
  }

  /* 3-Step Process Section */
  .steps-process-container {
    flex-direction: column;
    gap: 14px;
    margin: 24px auto 36px;
    padding: 0 4px;
  }

  .step-card {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    padding: 22px 18px 20px;
    border-radius: 16px;
  }

  .step-connector {
    transform: rotate(90deg);
    margin: 0;
    height: 20px;
    font-size: 18px;
  }

  .step-title {
    font-size: 17.5px;
    margin-bottom: 6px;
  }

  .step-desc {
    font-size: 13px;
    margin-bottom: 12px;
  }

  .step-status {
    font-size: 11px;
    padding: 3px 10px;
  }

  /* Trust list in About */
  .about ul:not(.offer-features-list) {
    padding: 18px 20px;
    border-radius: 16px;
  }

  .about ul:not(.offer-features-list) li {
    padding: 10px 0 10px 28px;
    font-size: 14px;
  }

  /* Marquee Reviews */
  .reviews-marquee-container {
    margin: 20px auto 36px;
    padding: 6px 0;
  }

  .review-card {
    flex: 0 0 280px;
    padding: 18px;
    border-radius: 16px;
  }

  .review-user-thumb {
    width: 38px;
    height: 38px;
  }

  .review-user-name {
    font-size: 14px;
  }

  .review-user-state {
    font-size: 11.5px;
  }

  .review-card-quote {
    font-size: 13px;
    line-height: 1.5;
  }

  /* FAQ Accordion */
  .faq-list {
    margin: 20px auto 36px;
    gap: 10px;
  }

  .faq-item {
    border-radius: 14px;
  }

  .faq-question {
    padding: 14px 16px;
    font-size: 15px;
  }

  .faq-icon {
    width: 18px;
    height: 18px;
  }

  .faq-answer {
    padding: 0 16px 14px;
  }

  .faq-answer p {
    font-size: 13.5px;
  }

  /* Footer */
  .site-footer {
    padding: 36px 0 24px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 22px;
    margin-bottom: 24px;
  }

  .footer-desc {
    max-width: 100%;
  }

  .footer-apply-btn {
    display: block;
    width: 100%;
    text-align: center;
    padding: 12px 20px;
  }

  .footer-disclaimer {
    padding: 16px 0;
  }

  .footer-bottom {
    padding-top: 16px;
    font-size: 12.5px;
  }
}

@media (max-width: 440px) {
  .site-header .wrap {
    flex-wrap: wrap;
    gap: 10px;
    justify-content: space-between;
  }

  .brand {
    font-size: 15.5px;
  }

  .brand img {
    width: 30px;
    height: 30px;
  }

  .header-apply-btn {
    font-size: 11.5px;
    padding: 5px 10px;
  }

  .hero h1 {
    font-size: 24px;
  }

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

  .benefit {
    flex-direction: row;
    text-align: left;
    align-items: center;
    gap: 14px;
    padding: 14px 16px;
  }

  .benefit .icon {
    margin-bottom: 0;
    flex-shrink: 0;
  }
}