/* ========================================
   Creadxmoney – Desktop-First Responsive CSS
   ======================================== */

/* ===== VARIABLES ===== */
:root {
    --primary: #4361EE;
    --primary-light: #7B93F5;
    --primary-dark: #3451D1;
    --accent: #6BDB3A;
    --accent-dark: #4CAF50;
    --gold: #D4A843;
    --text: #1A1A2E;
    --text-secondary: #6B7280;
    --text-muted: #9CA3AF;
    --bg: #F8F9FB;
    --white: #FFFFFF;
    --border: #E5E7EB;
    --border-light: #F3F4F6;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.04);
    --shadow-md: 0 4px 6px rgba(0,0,0,0.06), 0 2px 4px rgba(0,0,0,0.04);
    --shadow-lg: 0 10px 25px rgba(0,0,0,0.08);
    --radius: 12px;
    --radius-sm: 8px;
    --radius-lg: 16px;
    --sidebar-width: 260px;
    --topbar-height: 64px;
    --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    --font: 'Rubik', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { font-size: 16px; -webkit-font-smoothing: antialiased; scroll-behavior: smooth; }

body {
    font-family: var(--font);
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    min-height: 100vh;
}

a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--primary-dark); }
img { max-width: 100%; height: auto; }
button { cursor: pointer; font-family: inherit; }
input, select, textarea { font-family: inherit; font-size: inherit; }

/* ===== TOAST ===== */
.toast-notification {
    position: fixed; top: 20px; right: 20px; z-index: 10000;
    display: flex; align-items: center; gap: 10px;
    padding: 14px 24px; border-radius: var(--radius-sm);
    font-size: 14px; font-weight: 500;
    box-shadow: var(--shadow-lg);
    animation: toastIn 0.4s ease;
}
.toast-success { background: #ECFDF5; color: #065F46; border-left: 4px solid var(--accent); }
.toast-error { background: #FEF2F2; color: #991B1B; border-left: 4px solid #EF4444; }
.toast-notification .material-icons-round { font-size: 20px; }
@keyframes toastIn { from { opacity: 0; transform: translateX(40px); } to { opacity: 1; transform: translateX(0); } }

/* ======================================
   LAYOUT – SIDEBAR + TOPBAR + CONTENT
   ====================================== */

/* App Shell */
.app-shell { display: flex; min-height: 100vh; }

/* --- Sidebar --- */
.sidebar {
    position: fixed; top: 0; left: 0; bottom: 0;
    width: var(--sidebar-width); background: var(--white);
    border-right: 1px solid var(--border);
    display: flex; flex-direction: column;
    z-index: 100; overflow-y: auto;
    transition: transform var(--transition);
}
.sidebar-brand {
    display: flex; align-items: center; gap: 12px;
    padding: 20px 24px; border-bottom: 1px solid var(--border-light);
    font-size: 18px; font-weight: 700; color: var(--text);
}
.sidebar-brand img { border-radius: 8px; }

.sidebar-nav { flex: 1; padding: 12px 12px; display: flex; flex-direction: column; gap: 2px; }

.sidebar-section-label {
    font-size: 11px; font-weight: 600; color: var(--text-muted);
    text-transform: uppercase; letter-spacing: 0.08em;
    padding: 16px 12px 6px;
}
.sidebar-link {
    display: flex; align-items: center; gap: 12px;
    padding: 10px 12px; border-radius: var(--radius-sm);
    font-size: 14px; font-weight: 500; color: var(--text-secondary);
    transition: all var(--transition);
}
.sidebar-link:hover { background: var(--bg); color: var(--text); }
.sidebar-link.active {
    background: rgba(67,97,238,0.08); color: var(--primary); font-weight: 600;
}
.sidebar-link .material-icons-round { font-size: 20px; }

.sidebar-footer {
    border-top: 1px solid var(--border-light);
    padding: 12px;
    display: flex; flex-direction: column; gap: 2px;
}

/* --- Main Wrap --- */
.main-wrap {
    flex: 1; margin-left: var(--sidebar-width);
    display: flex; flex-direction: column; min-height: 100vh;
}

/* --- Topbar --- */
.topbar {
    position: sticky; top: 0; z-index: 50;
    height: var(--topbar-height);
    background: var(--white); border-bottom: 1px solid var(--border);
    display: flex; align-items: center; gap: 16px;
    padding: 0 32px;
}
.topbar-menu-btn {
    display: none; /* Hidden on desktop */
    background: none; border: none;
    width: 40px; height: 40px;
    border-radius: var(--radius-sm);
    color: var(--text);
    align-items: center; justify-content: center;
}
.topbar-menu-btn:hover { background: var(--bg); }
.topbar-title { font-size: 20px; font-weight: 600; flex: 1; }
.topbar-right { display: flex; align-items: center; gap: 12px; }

.topbar-user {
    display: flex; align-items: center; gap: 10px;
    padding: 6px 12px; border-radius: var(--radius); color: var(--text);
    transition: background var(--transition);
}
.topbar-user:hover { background: var(--bg); color: var(--text); }

.topbar-avatar {
    width: 36px; height: 36px; border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: white; display: flex; align-items: center; justify-content: center;
    font-weight: 700; font-size: 14px;
}
.topbar-user-info { display: flex; flex-direction: column; }
.topbar-user-name { font-size: 13px; font-weight: 600; line-height: 1.2; }
.topbar-user-role { font-size: 11px; color: var(--text-muted); line-height: 1.2; }

/* --- Main Content --- */
.main-content { flex: 1; padding: 32px; }

/* --- Mobile Bottom Nav --- */
.mobile-nav { display: none; }

/* --- Sidebar Overlay --- */
.sidebar-overlay { display: none; }

/* ======================================
   PAGE CONTENT (used by dashboard, etc.)
   ====================================== */
.page-content { max-width: 1200px; }

/* ======================================
   DASHBOARD
   ====================================== */

/* Welcome Banner */
.welcome-banner {
    display: flex; align-items: center; justify-content: space-between;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: var(--radius-lg);
    padding: 28px 32px; margin-bottom: 28px; color: white;
}
.welcome-left h2 { font-size: 24px; font-weight: 700; margin-bottom: 4px; }
.welcome-left p { font-size: 14px; opacity: 0.85; }

.welcome-stats { display: flex; gap: 12px; }
.stat-pill {
    display: flex; align-items: center; gap: 6px;
    background: rgba(255,255,255,0.18); backdrop-filter: blur(8px);
    padding: 8px 16px; border-radius: 100px;
    font-size: 13px; font-weight: 500; color: white;
}
.stat-pill .material-icons-round { font-size: 18px; }

/* Banner Slider */
.banner-slider { position: relative; margin-bottom: 32px; border-radius: var(--radius-lg); overflow: hidden; }
.banner-track { position: relative; min-height: 180px; }
.banner-slide {
    position: absolute; inset: 0;
    display: flex; align-items: center; justify-content: space-between;
    padding: 32px 40px; border-radius: var(--radius-lg);
    color: white; opacity: 0;
    transition: opacity 0.6s ease;
}
.banner-slide.active { opacity: 1; position: relative; }
.banner-content h3 { font-size: 22px; font-weight: 700; margin-bottom: 6px; }
.banner-content p { font-size: 14px; opacity: 0.9; margin-bottom: 14px; }
.banner-btn {
    display: inline-block; background: rgba(255,255,255,0.2);
    backdrop-filter: blur(8px);
    padding: 8px 22px; border-radius: 100px;
    font-size: 13px; font-weight: 600; color: white;
    transition: background var(--transition);
}
.banner-btn:hover { background: rgba(255,255,255,0.35); }
.banner-icon { font-size: 64px; opacity: 0.3; }
.banner-dots {
    display: flex; gap: 8px; justify-content: center;
    padding: 12px 0 4px;
}
.dot {
    width: 8px; height: 8px; border-radius: 50%;
    background: var(--border); cursor: pointer;
    transition: all var(--transition);
}
.dot.active { width: 24px; border-radius: 4px; background: var(--primary); }

/* Section Headers */
.section-header { margin-bottom: 16px; }
.section-header h2 { font-size: 18px; font-weight: 700; color: var(--text); }
.section-header p { font-size: 13px; color: var(--text-muted); margin-top: 2px; }

/* Services Grid (Loan Products) */
.services-grid {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 16px; margin-bottom: 32px;
}
.service-card {
    background: var(--white); border-radius: var(--radius);
    padding: 20px; border: 1px solid var(--border);
    display: flex; flex-direction: column; gap: 14px;
    transition: all var(--transition); color: var(--text);
}
.service-card:hover {
    border-color: var(--accent, var(--primary));
    box-shadow: var(--shadow-md); transform: translateY(-2px);
    color: var(--text);
}
.service-top { display: flex; align-items: center; justify-content: space-between; }
.service-icon {
    width: 44px; height: 44px; border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
}
.service-icon .material-icons-round { font-size: 22px; }
.service-arrow { font-size: 14px; color: var(--text-muted); }
.service-bottom { display: flex; flex-direction: column; gap: 2px; }
.service-title { font-size: 14px; font-weight: 600; }
.service-rate { font-size: 12px; font-weight: 500; }

/* Quick Tools Grid */
.quick-tools-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 16px; margin-bottom: 32px;
}
.tool-card {
    display: flex; align-items: center; gap: 14px;
    background: var(--white); border: 1px solid var(--border);
    border-radius: var(--radius); padding: 18px 20px;
    transition: all var(--transition); color: var(--text);
}
.tool-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); color: var(--text); }
.tool-icon-wrap {
    width: 44px; height: 44px; min-width: 44px; border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    color: white;
}
.tool-icon-wrap .material-icons-round { font-size: 22px; }
.tool-info { flex: 1; display: flex; flex-direction: column; }
.tool-info strong { font-size: 14px; font-weight: 600; }
.tool-info small { font-size: 12px; color: var(--text-muted); }
.tool-arrow { font-size: 14px; color: var(--text-muted); }

/* Two Column Section (Insurance & Investment) */
.two-col-section {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 24px; margin-bottom: 32px;
}
.col-block .section-header { margin-bottom: 12px; }

.feature-grid {
    display: grid; grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}
.feature-card {
    background: var(--white); border: 1px solid var(--border);
    border-radius: var(--radius-sm); padding: 16px;
    display: flex; flex-direction: column; align-items: center;
    gap: 8px; text-align: center;
    transition: all var(--transition);
}
.feature-card:hover { box-shadow: var(--shadow); transform: translateY(-1px); }
.feature-icon {
    width: 40px; height: 40px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
}
.feature-icon .material-icons-round { font-size: 20px; }
.feature-title { font-size: 13px; font-weight: 600; }
.feature-sub { font-size: 11px; color: var(--text-muted); }

/* Campaign Grid */
.campaign-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 16px; margin-bottom: 24px;
}
.campaign-card {
    border-radius: var(--radius); padding: 24px; color: white;
    transition: all var(--transition);
}
.campaign-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.campaign-card h4 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.campaign-card p { font-size: 13px; opacity: 0.85; margin-bottom: 14px; }
.campaign-btn {
    display: inline-block; background: rgba(255,255,255,0.2);
    padding: 6px 18px; border-radius: 100px;
    font-size: 12px; font-weight: 600;
}

/* ======================================
   CARDS & FORMS (shared)
   ====================================== */

.lg-card {
    background: var(--white); border-radius: var(--radius);
    border: 1px solid var(--border); padding: 24px;
    margin-bottom: 16px;
}
.card-title {
    font-size: 16px; font-weight: 600; margin-bottom: 16px;
    padding-bottom: 12px; border-bottom: 1px solid var(--border-light);
}
.card-subtitle { font-size: 13px; color: var(--text-muted); margin-top: -8px; margin-bottom: 16px; }
.card-body-text { font-size: 14px; color: var(--text-secondary); line-height: 1.7; }

.card-header-row {
    display: flex; align-items: center; justify-content: space-between;
    margin-bottom: 16px; padding-bottom: 12px;
    border-bottom: 1px solid var(--border-light);
}
.card-section-title { font-size: 16px; font-weight: 600; }
.edit-badge {
    display: inline-flex; align-items: center; gap: 4px;
    font-size: 13px; font-weight: 500; color: var(--primary);
    padding: 4px 12px; border-radius: 100px;
    background: rgba(67,97,238,0.08);
}
.edit-badge .material-icons-round { font-size: 14px; }

/* Form Groups */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 13px; font-weight: 500; color: var(--text-secondary); margin-bottom: 6px; }
.lg-label { display: block; font-size: 13px; font-weight: 500; color: var(--text-secondary); margin-bottom: 6px; }

.lg-input, .lg-select {
    width: 100%; padding: 12px 16px; border-radius: var(--radius-sm);
    border: 1.5px solid var(--border); background: var(--white);
    font-size: 14px; color: var(--text);
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
}
.lg-input:focus, .lg-select:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(67,97,238,0.1);
}
.lg-input::placeholder { color: var(--text-muted); }

.input-with-icon {
    position: relative; display: flex; align-items: center;
}
.input-with-icon .material-icons-round {
    position: absolute; left: 14px; font-size: 20px; color: var(--text-muted);
    pointer-events: none;
}
.input-with-icon .lg-input { padding-left: 44px; }

.form-error {
    display: block; font-size: 12px; color: #EF4444;
    margin-top: 4px; font-weight: 500;
}

.lg-field { margin-bottom: 20px; }

/* Form Grid – 2 cols for wider screens */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 24px; }
.form-grid .form-group-full,
.form-grid .chip-group { grid-column: 1 / -1; }

/* Chip Group */
.chip-group { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 12px; }
.chip-label { cursor: pointer; }
.chip-label input { display: none; }
.chip {
    display: inline-flex; align-items: center;
    padding: 8px 18px; border-radius: 100px;
    font-size: 13px; font-weight: 500;
    background: var(--bg); color: var(--text-secondary);
    border: 1.5px solid var(--border);
    transition: all var(--transition);
}
.chip:hover { border-color: var(--primary); }
.chip-label input:checked + .chip {
    background: var(--primary); color: white;
    border-color: var(--primary);
}
.chip-label input:checked + .chip[style*="--chip-active"] {
    background: var(--chip-active, var(--primary));
    border-color: var(--chip-active, var(--primary));
}

/* Buttons */
.lg-btn {
    display: inline-flex; align-items: center; justify-content: center;
    padding: 12px 28px; border-radius: var(--radius-sm);
    font-size: 14px; font-weight: 600;
    border: none; cursor: pointer;
    transition: all var(--transition);
    width: 100%;
}
.lg-btn-primary { background: var(--primary); color: white; }
.lg-btn-primary:hover { background: var(--primary-dark); box-shadow: var(--shadow-md); }

.lg-btn-outlined {
    background: transparent; color: var(--primary);
    border: 1.5px solid var(--primary);
}
.lg-btn-outlined:hover { background: rgba(67,97,238,0.05); }

.lg-btn-danger { color: #EF4444; border-color: #EF4444; }
.lg-btn-danger:hover { background: rgba(239,68,68,0.05); }
.lg-btn-danger-dark { color: #991B1B; border-color: #991B1B; }

.lg-btn-icon { gap: 8px; }
.lg-btn-icon .material-icons-round { font-size: 18px; }

/* ======================================
   FORM PAGE (Loans, Tools, Profile)
   ====================================== */
.form-page {
    max-width: 760px;
}

/* Loan Header Banner */
.loan-header {
    display: flex; align-items: center; gap: 16px;
    padding: 24px 28px; border-radius: var(--radius-lg);
    color: white; margin-bottom: 20px;
}
.loan-header-icon {
    width: 52px; height: 52px; min-width: 52px;
    border-radius: 14px; background: rgba(255,255,255,0.2);
    display: flex; align-items: center; justify-content: center;
}
.loan-header-icon .material-icons-round { font-size: 26px; color: white; }
.loan-header h3 { font-size: 20px; font-weight: 700; }
.loan-header p { font-size: 13px; opacity: 0.85; }

/* ======================================
   CREDIT CARD PREVIEW
   ====================================== */
.credit-card-preview {
    background: linear-gradient(135deg, #1A1A2E 0%, #16213E 50%, #0F3460 100%);
    border-radius: var(--radius-lg); padding: 28px;
    color: white; margin-bottom: 20px;
    box-shadow: var(--shadow-lg); aspect-ratio: 16/9; max-width: 400px;
    display: flex; flex-direction: column; justify-content: space-between;
}
.cc-header { display: flex; justify-content: space-between; align-items: center; }
.cc-brand { font-size: 16px; font-weight: 700; letter-spacing: 2px; }
.cc-number { font-size: 20px; letter-spacing: 4px; font-weight: 500; text-align: center; }
.cc-footer { display: flex; justify-content: space-between; align-items: flex-end; }
.cc-footer small { display: block; font-size: 9px; opacity: 0.5; text-transform: uppercase; letter-spacing: 1px; }
.cc-footer span { font-size: 13px; font-weight: 500; }
.feature-check {
    display: flex; align-items: center; gap: 10px;
    padding: 10px 0; font-size: 13px;
    border-bottom: 1px solid var(--border-light);
}
.feature-check:last-child { border-bottom: none; }

/* ======================================
   EMI CALCULATOR RESULTS
   ====================================== */
.emi-results { margin-top: 24px; }
.emi-result-main {
    text-align: center; padding: 32px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: var(--radius-lg); color: white;
    margin-bottom: 16px;
}
.emi-result-label { font-size: 13px; opacity: 0.8; display: block; margin-bottom: 4px; }
.emi-result-value { font-size: 36px; font-weight: 800; display: block; }
.emi-result-sub { font-size: 12px; opacity: 0.7; }

.emi-detail-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.emi-detail-card {
    background: var(--white); border: 1px solid var(--border);
    border-radius: var(--radius); padding: 20px; text-align: center;
}
.emi-detail-icon { margin-bottom: 8px; }
.emi-detail-icon .material-icons-round { font-size: 24px; color: var(--accent, var(--primary)); }
.emi-detail-label { display: block; font-size: 12px; color: var(--text-muted); margin-bottom: 4px; }
.emi-detail-value { display: block; font-size: 18px; font-weight: 700; }

.breakdown-row {
    display: flex; justify-content: space-between;
    padding: 8px 0; font-size: 14px; color: var(--text-secondary);
}
.breakdown-row.highlight { font-weight: 600; color: var(--text); }

/* ======================================
   CIBIL SCORE
   ====================================== */
.cibil-intro {
    display: flex; align-items: center; justify-content: space-between;
    padding: 28px 32px; border-radius: var(--radius-lg);
    color: white; margin-bottom: 20px;
}
.cibil-intro h3 { font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.cibil-intro p { font-size: 14px; opacity: 0.85; max-width: 400px; }
.cibil-intro-icon {
    width: 56px; height: 56px; border-radius: 50%;
    background: rgba(255,255,255,0.2);
    display: flex; align-items: center; justify-content: center;
}
.cibil-intro-icon .material-icons-round { font-size: 28px; color: white; }

/* CIBIL Result */
.cibil-result-card {
    background: linear-gradient(135deg, #1A1A2E, #16213E);
    border-radius: var(--radius-lg); padding: 36px;
    text-align: center; color: white; margin-bottom: 20px;
}
.cibil-result-label { font-size: 14px; opacity: 0.7; display: block; margin-bottom: 16px; }
.cibil-score-circle { position: relative; width: 160px; height: 160px; margin: 0 auto 16px; }
.cibil-ring { width: 100%; height: 100%; }
.cibil-ring-progress { transition: stroke-dashoffset 1.5s ease; }
.cibil-score-text {
    position: absolute; inset: 0;
    display: flex; flex-direction: column;
    align-items: center; justify-content: center;
}
.cibil-score-number { font-size: 40px; font-weight: 800; }
.cibil-score-total { font-size: 12px; opacity: 0.5; }
.cibil-rating-badge {
    display: inline-block; padding: 6px 24px; border-radius: 100px;
    font-size: 13px; font-weight: 700; letter-spacing: 0.5px;
}

.cibil-factor { margin-bottom: 16px; }
.factor-header { display: flex; justify-content: space-between; font-size: 13px; margin-bottom: 6px; }
.factor-value { font-weight: 600; }
.factor-bar { height: 6px; background: var(--border-light); border-radius: 3px; overflow: hidden; }
.factor-fill { height: 100%; border-radius: 3px; transition: width 1s ease; }

.tip-item {
    display: flex; align-items: flex-start; gap: 10px;
    padding: 10px 0; font-size: 13px;
    border-bottom: 1px solid var(--border-light);
}
.tip-item:last-child { border-bottom: none; }

.score-range {
    display: flex; align-items: center; gap: 8px;
    padding: 6px 0; font-size: 13px;
}
.range-dot { width: 10px; height: 10px; border-radius: 50%; }

.consent-box {
    display: flex; align-items: flex-start; gap: 12px;
    padding: 14px; border-radius: var(--radius-sm);
    background: var(--bg); cursor: pointer;
    font-size: 13px; color: var(--text-secondary);
}
.consent-box input { display: none; }
.consent-check {
    width: 22px; height: 22px; min-width: 22px;
    border: 2px solid var(--border); border-radius: 6px;
    display: flex; align-items: center; justify-content: center;
    transition: all var(--transition);
}
.consent-check .material-icons-round { font-size: 14px; color: white; }
.consent-box input:checked ~ .consent-check {
    background: var(--primary); border-color: var(--primary);
}

/* ======================================
   OFFERS
   ====================================== */
.offer-filter {
    display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px;
}
.filter-chip {
    padding: 8px 18px; border-radius: 100px;
    font-size: 13px; font-weight: 500;
    background: var(--white); border: 1.5px solid var(--border);
    color: var(--text-secondary);
    transition: all var(--transition);
}
.filter-chip:hover { border-color: var(--primary); color: var(--primary); }
.filter-chip.active {
    background: var(--primary); color: white; border-color: var(--primary);
}

.offers-count-banner {
    display: flex; align-items: center; gap: 14px;
    padding: 16px 20px; border-radius: var(--radius);
    background: rgba(107,219,58,0.08); border: 1px solid rgba(107,219,58,0.15);
    margin-bottom: 16px;
}
.offers-count-icon {
    width: 40px; height: 40px; border-radius: 10px;
    background: var(--accent); color: white;
    display: flex; align-items: center; justify-content: center;
}
.offers-count-banner strong { font-size: 14px; display: block; }
.offers-count-banner small { font-size: 12px; color: var(--text-muted); }

.offer-card { padding: 24px; }
.offer-header {
    display: flex; align-items: center; gap: 14px; margin-bottom: 16px;
}
.offer-bank-logo {
    width: 44px; height: 44px; border-radius: 12px;
    background: linear-gradient(135deg, #667eea, #764ba2);
    display: flex; align-items: center; justify-content: center;
    font-size: 20px;
}
.offer-bank-info { flex: 1; }
.offer-bank-name { display: block; font-size: 15px; font-weight: 600; }
.offer-product-badge {
    display: inline-block; font-size: 11px; font-weight: 500;
    color: var(--primary); background: rgba(67,97,238,0.08);
    padding: 2px 10px; border-radius: 100px;
}
.offer-rate { text-align: right; }
.rate-value { font-size: 22px; font-weight: 700; color: var(--accent-dark); display: block; }
.rate-label { font-size: 11px; color: var(--text-muted); }

.offer-details-row {
    display: flex; align-items: center; gap: 0;
    background: var(--bg); border-radius: var(--radius-sm);
    padding: 14px 0; margin-bottom: 14px;
}
.offer-detail {
    flex: 1; text-align: center;
    display: flex; flex-direction: column; align-items: center; gap: 2px;
}
.offer-detail .material-icons-round { font-size: 18px; color: var(--primary); }
.offer-detail small { font-size: 11px; color: var(--text-muted); }
.offer-detail strong { font-size: 13px; }
.offer-detail-divider { width: 1px; height: 36px; background: var(--border); }

.offer-conditions {
    display: flex; align-items: flex-start; gap: 8px;
    padding: 10px 14px; background: rgba(249,115,22,0.06);
    border-radius: var(--radius-sm); margin-bottom: 16px;
    font-size: 12px; color: var(--text-secondary);
}
.offer-conditions .material-icons-round { font-size: 16px; color: #F97316; }
.offer-interest-btn { width: 100%; }

/* ======================================
   PROFILE
   ====================================== */
.profile-header-card {
    display: flex; align-items: center; gap: 16px;
    padding: 24px; margin-bottom: 16px;
}
.profile-avatar {
    width: 64px; height: 64px; min-width: 64px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: white; display: flex; align-items: center; justify-content: center;
    font-size: 26px; font-weight: 700;
}
.profile-header-info { display: flex; flex-direction: column; gap: 2px; }
.profile-header-info strong { font-size: 18px; }
.profile-header-info small { font-size: 13px; color: var(--text-muted); }

.info-row {
    display: flex; align-items: center; gap: 14px;
    padding: 14px 0; border-bottom: 1px solid var(--border-light);
}
.info-row:last-child { border-bottom: none; }
.info-icon {
    width: 36px; height: 36px; border-radius: 10px;
    background: var(--bg);
    display: flex; align-items: center; justify-content: center;
}
.info-icon .material-icons-round { font-size: 18px; color: var(--primary); }
.info-content { flex: 1; display: flex; flex-direction: column; }
.info-content small { font-size: 11px; color: var(--text-muted); }
.info-content span { font-size: 14px; font-weight: 500; }

/* Menu Item Cards */
.menu-item-card {
    display: flex; align-items: center; gap: 14px;
    padding: 16px 20px; margin-bottom: 8px; color: var(--text);
    transition: all var(--transition);
}
.menu-item-card:hover { box-shadow: var(--shadow); color: var(--text); }
.menu-icon {
    width: 40px; height: 40px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
}
.menu-info { flex: 1; }
.menu-info strong { display: block; font-size: 14px; }
.menu-info small { font-size: 12px; color: var(--text-muted); }
.menu-arrow { font-size: 14px; color: var(--text-muted); }

/* Application Cards */
.application-card { padding: 20px; }
.app-card-header { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.app-type-icon {
    width: 40px; height: 40px; border-radius: 10px;
    background: rgba(67,97,238,0.08);
    display: flex; align-items: center; justify-content: center;
}
.app-type-icon .material-icons-round { font-size: 20px; color: var(--primary); }
.app-card-info { flex: 1; }
.app-card-info strong { font-size: 14px; display: block; }
.app-card-info small { font-size: 12px; color: var(--text-muted); }
.app-status-badge {
    display: inline-flex; align-items: center; gap: 4px;
    padding: 4px 12px; border-radius: 100px;
    font-size: 12px; font-weight: 600;
}
.app-status-badge .material-icons-round { font-size: 14px; }
.app-amount-row {
    display: flex; justify-content: space-between;
    padding: 10px 0; font-size: 14px;
    border-top: 1px solid var(--border-light);
}
.app-date { display: block; font-size: 12px; color: var(--text-muted); margin-top: 6px; }

/* Empty State */
.empty-state {
    text-align: center; padding: 60px 20px;
}
.empty-icon {
    width: 80px; height: 80px; border-radius: 50%;
    background: var(--bg); margin: 0 auto 16px;
    display: flex; align-items: center; justify-content: center;
}
.empty-icon .material-icons-round { font-size: 36px; color: var(--text-muted); }
.empty-state h3 { font-size: 18px; font-weight: 600; margin-bottom: 6px; }
.empty-state p { font-size: 14px; color: var(--text-muted); margin-bottom: 16px; }

/* ======================================
   AUTH PAGES (Guest – split screen)
   ====================================== */
.auth-page {
    min-height: 100vh;
    display: grid; grid-template-columns: 1fr 1fr;
}
.auth-brand-panel {
    background: linear-gradient(135deg, var(--primary), #2D3AB5);
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    padding: 60px; color: white; position: relative; overflow: hidden;
}
.auth-brand-panel::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='0.04'%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");
}
.auth-brand-logo {
    width: 80px; height: 80px; border-radius: 20px;
    background: rgba(255,255,255,0.15); backdrop-filter: blur(10px);
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 24px; position: relative; z-index: 1;
}
.auth-brand-logo img { width: 56px; height: 56px; border-radius: 12px; }
.auth-brand-name {
    font-size: 32px; font-weight: 800; margin-bottom: 8px;
    position: relative; z-index: 1;
}
.auth-brand-tagline {
    font-size: 16px; opacity: 0.8; text-align: center;
    max-width: 300px; position: relative; z-index: 1;
}
.auth-brand-features {
    display: flex; flex-direction: column; gap: 16px;
    margin-top: 48px; position: relative; z-index: 1;
}
.auth-brand-feature {
    display: flex; align-items: center; gap: 12px;
    font-size: 14px; opacity: 0.9;
}
.auth-brand-feature .material-icons-round {
    font-size: 22px; background: rgba(255,255,255,0.15);
    padding: 8px; border-radius: 10px;
}

.auth-form-panel {
    display: flex; align-items: center; justify-content: center;
    padding: 40px; background: var(--bg);
}
.auth-container {
    width: 100%; max-width: 420px;
}

.auth-logo { text-align: center; margin-bottom: 8px; }
.auth-logo img { width: 72px; height: 72px; }
.auth-brand-text { text-align: center; font-size: 22px; font-weight: 700; margin-bottom: 4px; }
.auth-tagline { text-align: center; font-size: 14px; color: var(--text-muted); margin-bottom: 32px; }

.auth-form-section { margin-bottom: 32px; }
.auth-form-section h2 { font-size: 22px; font-weight: 700; margin-bottom: 4px; }
.auth-form-section p { font-size: 14px; color: var(--text-muted); margin-bottom: 20px; }

.phone-input-wrap {
    display: flex; align-items: center;
    border: 1.5px solid var(--border); border-radius: var(--radius-sm);
    overflow: hidden; margin-bottom: 16px;
    background: var(--white);
    transition: border-color var(--transition);
}
.phone-input-wrap:focus-within { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(67,97,238,0.1); }
.phone-prefix {
    padding: 12px 14px; font-weight: 600; font-size: 14px;
    background: var(--bg); border-right: 1px solid var(--border);
    color: var(--text);
}
.phone-input {
    flex: 1; border: none; padding: 12px 16px;
    font-size: 16px; font-weight: 500; letter-spacing: 1px;
    outline: none; background: transparent;
}

.auth-terms { text-align: center; font-size: 12px; color: var(--text-muted); margin-top: 20px; line-height: 1.6; }
.auth-terms a { color: var(--primary); font-weight: 500; }

.trust-badges {
    display: flex; justify-content: center; gap: 24px; margin-top: 40px;
}
.trust-badge { text-align: center; font-size: 11px; color: var(--text-muted); }
.trust-icon {
    width: 44px; height: 44px; border-radius: 12px;
    background: rgba(67,97,238,0.06); margin: 0 auto 6px;
    display: flex; align-items: center; justify-content: center;
}
.trust-icon .material-icons-round { font-size: 20px; color: var(--primary); }

/* Auth Title & Subtitle (OTP page) */
.auth-title { font-size: 22px; font-weight: 700; text-align: center; margin-bottom: 6px; }
.auth-subtitle { font-size: 14px; color: var(--text-muted); text-align: center; margin-bottom: 28px; line-height: 1.5; }

.back-btn {
    display: inline-flex; align-items: center; justify-content: center;
    width: 40px; height: 40px; border-radius: var(--radius-sm);
    background: var(--bg); color: var(--text);
    transition: all var(--transition);
}
.back-btn:hover { background: var(--border); color: var(--text); }
.back-btn .material-icons-round { font-size: 18px; }

/* OTP Fields */
.otp-fields {
    display: flex; gap: 14px; justify-content: center;
    margin-bottom: 20px;
}
.otp-input {
    width: 56px; height: 56px; text-align: center;
    font-size: 22px; font-weight: 700;
    border: 2px solid var(--border); border-radius: var(--radius);
    outline: none; transition: border-color var(--transition), box-shadow var(--transition);
}
.otp-input:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(67,97,238,0.1); }

.otp-hint {
    display: flex; align-items: center; justify-content: center; gap: 6px;
    padding: 10px 16px; background: rgba(67,97,238,0.06);
    border-radius: var(--radius-sm); margin-bottom: 24px;
    font-size: 12px; color: var(--text-secondary);
}
.otp-hint .material-icons-round { font-size: 16px; color: var(--primary); }

.resend-wrap { text-align: center; margin-top: 20px; font-size: 13px; color: var(--text-muted); }
.resend-link { color: var(--primary); font-weight: 600; }

/* ======================================
   ONBOARDING PAGE
   ====================================== */
.onboarding-page {
    min-height: 100vh;
    display: flex; align-items: center; justify-content: center;
    padding: 40px; background: var(--bg);
}
.onboarding-container { width: 100%; max-width: 560px; }

.onboarding-header { margin-bottom: 32px; }
.onboarding-logo-row { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.onboarding-logo-row img { border-radius: 10px; }
.onboarding-logo-row h2 { font-size: 22px; font-weight: 700; }
.onboarding-logo-row span { font-size: 13px; color: var(--text-muted); }

.progress-bar {
    height: 6px; background: var(--border);
    border-radius: 3px; overflow: hidden;
}
.progress-fill {
    height: 100%; background: var(--primary);
    border-radius: 3px; transition: width 0.4s ease;
}

.step-title { font-size: 18px; font-weight: 700; margin-bottom: 4px; }
.step-subtitle { font-size: 14px; color: var(--text-muted); margin-bottom: 24px; }

.onboarding-nav {
    display: flex; gap: 12px; margin-top: 24px;
}
.onboarding-nav .lg-btn { flex: 1; }

/* ======================================
   INTRO / WELCOME PAGE
   ====================================== */
.intro-page {
    min-height: 100vh; background: var(--white);
    display: flex; flex-direction: column;
    overflow: hidden;
}
.intro-header {
    display: flex; justify-content: space-between; align-items: center;
    padding: 16px 32px;
}
.intro-logo { display: flex; align-items: center; gap: 10px; }
.intro-logo img { border-radius: 8px; }
.intro-brand { font-size: 18px; font-weight: 700; color: var(--text); }
.skip-btn {
    padding: 6px 18px; border-radius: 100px;
    background: var(--bg); font-size: 13px; font-weight: 500;
    color: var(--text-secondary);
}
.skip-btn:hover { background: var(--border); color: var(--text); }

.intro-slider { flex: 1; position: relative; }
.intro-slides { height: 100%; }
.intro-slide {
    position: absolute; inset: 0;
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    padding: 40px 60px; text-align: center;
    opacity: 0; transition: opacity 0.5s ease;
}
.intro-slide.active { opacity: 1; position: relative; }
.intro-slide h2 { font-size: 28px; font-weight: 700; margin-bottom: 12px; }
.intro-slide p { font-size: 16px; color: var(--text-secondary); max-width: 480px; line-height: 1.7; }

.intro-illustration {
    position: relative; width: 180px; height: 180px;
    margin-bottom: 32px;
}
.illust-outer, .illust-middle, .illust-inner {
    position: absolute; border-radius: 50%;
}
.illust-outer { inset: 0; }
.illust-middle { inset: 20px; }
.illust-inner {
    inset: 40px;
    display: flex; align-items: center; justify-content: center;
    color: white;
}
.illust-inner .material-icons-round { font-size: 40px; }
.illust-float {
    position: absolute; width: 36px; height: 36px;
    border-radius: 10px; background: white;
    box-shadow: var(--shadow-md);
    display: flex; align-items: center; justify-content: center;
    animation: float 3s ease-in-out infinite;
}
.illust-float .material-icons-round { font-size: 18px; color: var(--fc); }
.illust-float-tr { top: 0; right: -10px; }
.illust-float-bl { bottom: 0; left: -10px; animation-delay: 1.5s; }
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

.intro-dots {
    display: flex; justify-content: center; gap: 8px;
    padding: 16px 0;
}
.intro-dots .dot { width: 8px; height: 8px; }
.intro-dots .dot.active { width: 24px; }

.intro-bottom {
    display: flex; justify-content: center; align-items: center; gap: 16px;
    padding: 24px 32px;
}
.intro-bottom .lg-btn { max-width: 300px; }

/* Logo Placeholder */
.logo-placeholder {
    width: 100%; height: 100%; display: flex;
    align-items: center; justify-content: center;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: inherit; color: white; font-weight: 800;
}
.logo-placeholder.lg { font-size: 48px; }

/* Policy Card */
.policy-card { line-height: 1.8; }
.policy-section-title { font-size: 15px; font-weight: 600; margin: 20px 0 8px; color: var(--text); }
.policy-section-title:first-child { margin-top: 0; }
.policy-body { font-size: 14px; color: var(--text-secondary); }

/* Resend Link */
.resend-link { color: var(--primary); font-weight: 600; font-size: 14px; }

/* Text Center */
.text-center { text-align: center; }

/* ======================================
   ANIMATIONS
   ====================================== */
@keyframes slideUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ======================================
   RESPONSIVE – TABLET (max 1024px)
   ====================================== */
@media (max-width: 1024px) {
    .sidebar {
        transform: translateX(-100%);
    }
    .sidebar.open {
        transform: translateX(0);
        box-shadow: var(--shadow-lg);
    }

    .sidebar-overlay {
        display: none;
        position: fixed; inset: 0; z-index: 90;
        background: rgba(0,0,0,0.35);
    }
    .sidebar.open ~ .main-wrap .sidebar-overlay,
    body:has(.sidebar.open) .sidebar-overlay {
        display: block;
    }

    .main-wrap { margin-left: 0; }

    .topbar { padding: 0 20px; }
    .topbar-menu-btn { display: flex; }

    .main-content { padding: 24px; }

    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .quick-tools-grid { grid-template-columns: repeat(2, 1fr); }
    .campaign-grid { grid-template-columns: repeat(2, 1fr); }
    .two-col-section { grid-template-columns: 1fr; }

    /* Auth pages */
    .auth-page { grid-template-columns: 1fr; }
    .auth-brand-panel { display: none; }
    .auth-form-panel { min-height: 100vh; }
}

/* ======================================
   RESPONSIVE – MOBILE (max 768px)
   ====================================== */
@media (max-width: 768px) {
    .main-content { padding: 16px; padding-bottom: 88px; }

    .topbar-user-info { display: none; }

    /* Mobile Bottom Nav */
    .mobile-nav {
        display: flex;
        position: fixed; bottom: 0; left: 0; right: 0;
        background: var(--white); border-top: 1px solid var(--border);
        z-index: 90; padding: 8px 0;
        padding-bottom: env(safe-area-inset-bottom, 8px);
    }
    .mobile-nav-item {
        flex: 1; display: flex; flex-direction: column; align-items: center;
        gap: 2px; padding: 6px 0; font-size: 10px; font-weight: 500;
        color: var(--text-muted); transition: color var(--transition);
    }
    .mobile-nav-item.active { color: var(--primary); }
    .mobile-nav-item .material-icons-round { font-size: 22px; }

    /* Dashboard */
    .welcome-banner {
        flex-direction: column; align-items: flex-start;
        padding: 20px; gap: 12px;
    }
    .welcome-left h2 { font-size: 20px; }
    .welcome-stats { flex-wrap: wrap; }

    .banner-slide { padding: 24px; }
    .banner-content h3 { font-size: 18px; }
    .banner-icon { font-size: 44px; }

    .services-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
    .service-card { padding: 14px; }

    .quick-tools-grid { grid-template-columns: 1fr; }

    .feature-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; }

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

    /* Forms */
    .form-page { max-width: 100%; }
    .form-grid { grid-template-columns: 1fr; }

    .loan-header { padding: 20px; }
    .loan-header h3 { font-size: 17px; }

    /* Credit Card */
    .credit-card-preview { max-width: 100%; }

    /* Profile */
    .profile-avatar { width: 52px; height: 52px; min-width: 52px; font-size: 22px; }

    /* Offers */
    .offer-details-row { flex-wrap: wrap; }
    .offer-detail-divider { display: none; }
    .offer-detail { min-width: 33%; padding: 6px 0; }

    /* Auth */
    .auth-form-panel { padding: 24px; }
    .otp-input { width: 48px; height: 48px; font-size: 20px; }

    /* Onboarding */
    .onboarding-page { padding: 24px; }

    /* Intro */
    .intro-slide { padding: 24px; }
    .intro-slide h2 { font-size: 22px; }
    .intro-slide p { font-size: 14px; }
    .intro-illustration { width: 140px; height: 140px; }
}

/* ======================================
   RESPONSIVE – Small mobile (max 480px)
   ====================================== */
@media (max-width: 480px) {
    .services-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; }
    .service-card { padding: 12px; gap: 10px; }
    .service-icon { width: 36px; height: 36px; }
    .service-title { font-size: 13px; }

    .emi-result-value { font-size: 28px; }
    .emi-detail-value { font-size: 16px; }

    .cibil-score-number { font-size: 32px; }
    .cibil-score-circle { width: 130px; height: 130px; }

    .welcome-banner { padding: 16px; }
    .welcome-left h2 { font-size: 18px; }
}

/* Print */
@media print {
    .sidebar, .topbar, .mobile-nav, .sidebar-overlay { display: none !important; }
    .main-wrap { margin-left: 0 !important; }
    .main-content { padding: 0 !important; }
}

/* ======================================
   LANDING PAGE
   ====================================== */
.landing { min-height: 100vh; background: var(--white); }

/* --- Landing Nav --- */
.landing-nav {
    position: sticky; top: 0; z-index: 100;
    background: rgba(255,255,255,0.92); backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border-light);
}
.landing-nav-inner {
    max-width: 1140px; margin: 0 auto;
    display: flex; align-items: center; justify-content: space-between;
    padding: 14px 32px;
}
.landing-logo {
    display: flex; align-items: center; gap: 10px;
    font-size: 18px; font-weight: 700; color: var(--text);
}
.landing-logo img { border-radius: 8px; }
.landing-nav-links { display: flex; align-items: center; gap: 28px; }
.landing-nav-links a {
    font-size: 14px; font-weight: 500; color: var(--text-secondary);
    transition: color var(--transition);
}
.landing-nav-links a:hover { color: var(--primary); }
.landing-nav-btn {
    background: var(--primary) !important; color: white !important;
    padding: 9px 24px !important; border-radius: var(--radius-sm) !important;
    font-weight: 600 !important; font-size: 13px !important;
    transition: background var(--transition) !important;
}
.landing-nav-btn:hover { background: var(--primary-dark) !important; }
.landing-hamburger {
    display: none; background: none; border: none;
    color: var(--text); padding: 4px;
}
.landing-mobile-menu {
    display: none; flex-direction: column; gap: 4px;
    padding: 0 32px 16px;
}
.landing-mobile-menu a {
    display: block; padding: 10px 0;
    font-size: 14px; font-weight: 500; color: var(--text-secondary);
    border-bottom: 1px solid var(--border-light);
}
.landing-mobile-menu.open { display: flex; }

/* --- Hero --- */
.landing-hero {
    background: linear-gradient(180deg, #F0F3FF 0%, var(--white) 100%);
    padding: 80px 0 60px;
}
.landing-hero-inner {
    max-width: 1140px; margin: 0 auto; padding: 0 32px;
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; align-items: center;
}
.landing-badge {
    display: inline-block;
    background: rgba(67,97,238,0.08); color: var(--primary);
    padding: 6px 16px; border-radius: 100px;
    font-size: 13px; font-weight: 600; margin-bottom: 20px;
}
.landing-hero-text h1 {
    font-size: 44px; font-weight: 800; line-height: 1.15;
    color: var(--text); margin-bottom: 16px;
}
.text-gradient {
    background: linear-gradient(135deg, var(--primary), var(--accent));
    -webkit-background-clip: text; -webkit-text-fill-color: transparent;
    background-clip: text;
}
.landing-hero-text > p {
    font-size: 17px; color: var(--text-secondary); line-height: 1.7;
    margin-bottom: 28px; max-width: 480px;
}
.landing-hero-actions { display: flex; gap: 12px; margin-bottom: 36px; }
.landing-cta { width: auto !important; padding: 14px 32px !important; gap: 8px; }
.landing-cta-secondary {
    width: auto !important; padding: 14px 28px !important;
}

.landing-hero-stats { display: flex; align-items: center; gap: 24px; }
.hero-stat { display: flex; flex-direction: column; }
.hero-stat strong { font-size: 22px; font-weight: 800; color: var(--text); }
.hero-stat span { font-size: 12px; color: var(--text-muted); }
.hero-stat-divider { width: 1px; height: 36px; background: var(--border); }

/* Hero floating cards */
.landing-hero-visual { position: relative; min-height: 360px; }
.hero-card {
    position: absolute; display: flex; align-items: center; gap: 14px;
    background: var(--white); border-radius: var(--radius);
    padding: 18px 22px; box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-light);
    animation: float 4s ease-in-out infinite;
}
.hero-card strong { font-size: 14px; display: block; }
.hero-card small { font-size: 12px; color: var(--text-muted); }
.hero-card-icon {
    width: 46px; height: 46px; min-width: 46px; border-radius: 12px;
    display: flex; align-items: center; justify-content: center; color: white;
}
.hero-card-icon .material-icons-round { font-size: 22px; }
.hero-card-1 { top: 20px; left: 10%; animation-delay: 0s; }
.hero-card-2 { top: 140px; right: 5%; animation-delay: 1.3s; }
.hero-card-3 { bottom: 30px; left: 15%; animation-delay: 2.6s; }

/* --- Sections --- */
.landing-section { padding: 80px 0; }
.landing-section-alt { background: var(--bg); }
.landing-section-inner { max-width: 1140px; margin: 0 auto; padding: 0 32px; }
.landing-section-header { text-align: center; margin-bottom: 48px; }
.landing-tag {
    display: inline-block;
    background: rgba(67,97,238,0.08); color: var(--primary);
    padding: 4px 14px; border-radius: 100px;
    font-size: 12px; font-weight: 600; text-transform: uppercase;
    letter-spacing: 0.05em; margin-bottom: 12px;
}
.landing-section-header h2 { font-size: 32px; font-weight: 800; margin-bottom: 8px; }
.landing-section-header p { font-size: 16px; color: var(--text-secondary); max-width: 520px; margin: 0 auto; }

/* Features Grid */
.landing-features-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.landing-feature-card {
    background: var(--white); border: 1px solid var(--border);
    border-radius: var(--radius-lg); padding: 32px;
    transition: all var(--transition);
}
.landing-feature-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.landing-feature-icon {
    width: 52px; height: 52px; border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
}
.landing-feature-icon .material-icons-round { font-size: 24px; }
.landing-feature-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.landing-feature-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }

/* Products Grid */
.landing-products-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
}
.landing-product-card {
    background: var(--white); border: 1px solid var(--border);
    border-radius: var(--radius-lg); padding: 28px;
    text-align: center;
    transition: all var(--transition);
}
.landing-product-card:hover {
    border-color: var(--pc); box-shadow: 0 8px 24px rgba(0,0,0,0.08);
    transform: translateY(-4px);
}
.landing-product-icon {
    width: 56px; height: 56px; border-radius: 16px;
    background: color-mix(in srgb, var(--pc) 10%, transparent);
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 16px;
}
.landing-product-icon .material-icons-round { font-size: 26px; color: var(--pc); }
.landing-product-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.landing-product-card p { font-size: 13px; color: var(--text-secondary); margin-bottom: 12px; }
.landing-product-rate {
    display: inline-block; font-size: 13px; font-weight: 600; color: var(--pc);
    background: color-mix(in srgb, var(--pc) 8%, transparent);
    padding: 4px 14px; border-radius: 100px;
}

/* Steps / How it Works */
.landing-steps {
    display: flex; align-items: flex-start; justify-content: center; gap: 0;
    max-width: 860px; margin: 0 auto;
}
.landing-step {
    flex: 1; display: flex; flex-direction: column; align-items: center;
    text-align: center; padding: 0 20px;
}
.landing-step-num {
    width: 52px; height: 52px; border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: white; display: flex; align-items: center; justify-content: center;
    font-size: 20px; font-weight: 800; margin-bottom: 16px;
    box-shadow: 0 4px 16px rgba(67,97,238,0.25);
}
.landing-step-content h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.landing-step-content p { font-size: 13px; color: var(--text-secondary); line-height: 1.6; }
.landing-step-connector {
    width: 80px; min-width: 80px; height: 2px;
    background: linear-gradient(90deg, var(--primary), var(--primary-light));
    margin-top: 26px; border-radius: 1px; opacity: 0.3;
}

/* CTA Section */
.landing-cta-section { padding: 80px 0; }
.landing-cta-box {
    text-align: center;
    background: linear-gradient(135deg, var(--primary), #2D3AB5);
    border-radius: var(--radius-lg); padding: 56px 40px;
    color: white;
}
.landing-cta-box h2 { font-size: 28px; font-weight: 800; margin-bottom: 10px; }
.landing-cta-box p { font-size: 16px; opacity: 0.85; margin-bottom: 28px; max-width: 500px; margin-left: auto; margin-right: auto; }
.landing-cta-box .landing-cta {
    background: white !important; color: var(--primary) !important;
    margin: 0 auto;
}
.landing-cta-box .landing-cta:hover { background: var(--bg) !important; }

/* Footer */
.landing-footer {
    background: #0F172A; color: #94A3B8; padding: 56px 0 0;
}
.landing-footer-grid {
    display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px; padding-bottom: 40px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.landing-footer-brand p { font-size: 14px; line-height: 1.7; margin-top: 8px; }
.landing-footer-links h4 { color: white; font-size: 14px; font-weight: 600; margin-bottom: 14px; }
.landing-footer-links a { display: block; font-size: 13px; color: #94A3B8; padding: 4px 0; transition: color var(--transition); }
.landing-footer-links a:hover { color: white; }
.landing-footer-bottom {
    text-align: center; padding: 20px 0;
    font-size: 13px; color: #64748B;
}
.landing-footer .landing-logo span { color: white; }

/* --- Landing Responsive --- */
@media (max-width: 1024px) {
    .landing-hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .landing-hero-text h1 { font-size: 36px; }
    .landing-hero-visual { min-height: 280px; }

    .landing-features-grid { grid-template-columns: repeat(2, 1fr); }
    .landing-products-grid { grid-template-columns: repeat(2, 1fr); }
    .landing-footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 768px) {
    .landing-nav-links { display: none; }
    .landing-hamburger { display: block; }

    .landing-hero { padding: 48px 0 40px; }
    .landing-hero-text h1 { font-size: 28px; }
    .landing-hero-text > p { font-size: 15px; }
    .landing-hero-actions { flex-direction: column; }
    .landing-cta, .landing-cta-secondary { width: 100% !important; justify-content: center; }
    .landing-hero-stats { gap: 16px; }
    .hero-stat strong { font-size: 18px; }
    .landing-hero-visual { min-height: 240px; }
    .hero-card { padding: 14px 16px; }
    .hero-card-1 { left: 0; }
    .hero-card-3 { left: 0; }

    .landing-section { padding: 48px 0; }
    .landing-section-header h2 { font-size: 24px; }

    .landing-features-grid { grid-template-columns: 1fr; gap: 16px; }
    .landing-feature-card { padding: 24px; }

    .landing-products-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
    .landing-product-card { padding: 20px; }

    .landing-steps { flex-direction: column; gap: 0; align-items: center; }
    .landing-step { padding: 0; margin-bottom: 8px; }
    .landing-step-connector { width: 2px; height: 32px; min-width: 2px; margin-top: 0; }

    .landing-cta-box { padding: 40px 24px; }
    .landing-cta-box h2 { font-size: 22px; }

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

@media (max-width: 480px) {
    .landing-nav-inner { padding: 12px 16px; }
    .landing-hero-inner { padding: 0 16px; }
    .landing-section-inner { padding: 0 16px; }
    .landing-products-grid { grid-template-columns: 1fr; }
    .hero-card-icon { width: 38px; height: 38px; min-width: 38px; }
}