/* =============================================
   LoanRaksha (loanraksha.in) - Professional CSS Stylesheet
   Professional Blue & White Theme
   ============================================= */

/* ===== CSS VARIABLES ===== */
:root {
  --primary: #1d4ed8;
  --primary-dark: #1e40af;
  --primary-light: #3b82f6;
  --primary-ultra-light: #eff6ff;
  --secondary: #0f172a;
  --accent: #f59e0b;
  --success: #22c55e;
  --danger: #ef4444;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-500: #64748b;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1e293b;
  --gray-900: #0f172a;
  --text-primary: #0f172a;
  --text-secondary: #475569;
  --text-muted: #94a3b8;

  --font-sans: 'Inter', sans-serif;
  --font-heading: 'Poppins', sans-serif;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.08), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.08), 0 10px 10px -5px rgba(0,0,0,0.04);
  --shadow-2xl: 0 25px 50px -12px rgba(0,0,0,0.15);
  --shadow-blue: 0 10px 30px rgba(29, 78, 216, 0.25);

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-fast: all 0.15s ease;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  max-width: 100vw;
  overflow-x: hidden;
}

body {
  font-family: var(--font-sans);
  color: var(--text-primary);
  background: var(--white);
  line-height: 1.6;
  max-width: 100vw;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

button, a, input, select, textarea {
  touch-action: manipulation;
}

.mobile-nav-block {
  display: none;
}

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

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

ul {
  list-style: none;
}

/* ===== UTILITY ===== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 90px 0;
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 64px;
}

.section-tag {
  display: inline-block;
  background: var(--primary-ultra-light);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
  border: 1px solid rgba(29, 78, 216, 0.15);
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--secondary);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

.section-cta {
  text-align: center;
  margin-top: 56px;
}

.gradient-text {
  background: linear-gradient(135deg, var(--primary), var(--primary-light), #60a5fa);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ===== BUTTONS ===== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary);
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 28px;
  border-radius: var(--radius-full);
  border: 2px solid var(--primary);
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(29, 78, 216, 0.3);
  letter-spacing: 0.01em;
}

.btn-primary:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(29, 78, 216, 0.4);
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 28px;
  border-radius: var(--radius-full);
  border: 2px solid rgba(255,255,255,0.6);
  cursor: pointer;
  transition: var(--transition);
}

.btn-outline:hover {
  background: rgba(255,255,255,0.15);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1rem;
}

.btn-full {
  width: 100%;
  justify-content: center;
  font-size: 1rem;
  padding: 16px;
}

/* ===== ANNOUNCEMENT BAR ===== */
.announcement-bar {
  background: linear-gradient(135deg, #92400e, #b45309);
  color: #fef3c7;
  text-align: center;
  padding: 10px 24px;
  font-size: 0.82rem;
  font-weight: 500;
  line-height: 1.5;
  position: relative;
  z-index: 100;
}

.announcement-bar a {
  color: #fde68a;
  font-weight: 700;
  text-decoration: underline;
  margin-left: 6px;
}

.announcement-bar i {
  margin-right: 6px;
}

/* ===== NAVBAR ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 999;
  transition: var(--transition);
}

.navbar {
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--gray-200);
  box-shadow: 0 2px 20px rgba(0,0,0,0.06);
  transition: var(--transition);
}

.header.scrolled .navbar {
  box-shadow: 0 4px 30px rgba(0,0,0,0.1);
}

.nav-container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.2rem;
  box-shadow: 0 4px 12px rgba(29, 78, 216, 0.3);
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.logo-main {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--primary);
  letter-spacing: -0.02em;
}

.logo-sub {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-top: 2px;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}

.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-700);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
  position: relative;
  white-space: nowrap;
}

.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: var(--primary-ultra-light);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-700);
  white-space: nowrap;
}

.nav-phone i {
  color: var(--primary);
  font-size: 0.9rem;
}

.nav-phone:hover {
  color: var(--primary);
}

.nav-cta {
  padding: 10px 22px;
  font-size: 0.875rem;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius-sm);
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: var(--transition);
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  background: linear-gradient(135deg, #0a1628 0%, #0d2147 35%, #112263 60%, #1a3a8f 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  padding: 80px 24px 0;
}

.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 50% 0%, rgba(59, 130, 246, 0.15) 0%, transparent 60%),
    radial-gradient(ellipse 60% 40% at 80% 80%, rgba(139, 92, 246, 0.1) 0%, transparent 50%),
    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='0.02'%3E%3Ccircle cx='30' cy='30' r='1'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-particles {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}

.hero-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 850px;
  padding-bottom: 20px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.2);
  color: #93c5fd;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  margin-bottom: 24px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.hero-badge i {
  color: var(--accent);
  font-size: 1rem;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -0.02em;
}

.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  margin: 0 auto 32px;
  line-height: 1.7;
}

.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  margin-bottom: 40px;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
  padding: 7px 14px;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 500;
}

.trust-badge i {
  color: #4ade80;
  font-size: 0.85rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
}

.hero-stats {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 900px;
  margin-top: 64px;
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
  display: flex;
  align-items: center;
  justify-content: space-around;
  padding: 32px 48px;
  gap: 16px;
}

.stat-item {
  text-align: center;
  flex: 1;
}

.stat-number {
  display: block;
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 3vw, 2.5rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-plus {
  font-size: 1.5rem;
  color: var(--accent);
}

.stat-label {
  display: block;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.stat-divider {
  width: 1px;
  height: 50px;
  background: rgba(255,255,255,0.15);
  flex-shrink: 0;
}

/* ===== MARQUEE ===== */
.marquee-section {
  background: var(--primary);
  padding: 24px 0;
  overflow: hidden;
}

.marquee-label {
  text-align: center;
  color: rgba(255,255,255,0.7);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
}

.marquee-track {
  overflow: hidden;
  white-space: nowrap;
}

.marquee-content {
  display: inline-flex;
  gap: 0;
  animation: marqueeScroll 30s linear infinite;
}

.marquee-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 40px;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  font-size: 0.95rem;
  border-right: 1px solid rgba(255,255,255,0.2);
  white-space: nowrap;
}

.marquee-item i {
  font-size: 1.1rem;
  opacity: 0.8;
}

@keyframes marqueeScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ===== HOW IT WORKS ===== */
.how-it-works {
  background: var(--gray-50);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
}

.step-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  position: relative;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  overflow: visible;
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-light);
}

.step-number {
  position: absolute;
  top: -16px;
  left: 24px;
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--white);
  background: var(--primary);
  padding: 4px 12px;
  border-radius: var(--radius-full);
  letter-spacing: 0.05em;
  box-shadow: 0 4px 12px rgba(29, 78, 216, 0.3);
}

.step-icon {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 20px;
  border: 3px solid var(--primary-ultra-light);
  box-shadow: 0 4px 16px rgba(29, 78, 216, 0.15);
}

.step-icon img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.step-card h3 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 12px;
}

.step-card p {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.65;
}

.step-connector {
  display: none;
}

.step-card-final {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-color: transparent;
}

.step-card-final h3, .step-card-final p {
  color: var(--white);
}

.step-card-final p {
  opacity: 0.85;
}

.step-card-final .step-number {
  background: var(--accent);
  color: var(--secondary);
}

/* ===== SERVICES ===== */
.services-section {
  background: var(--white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-2xl);
  border-color: var(--primary-light);
}

.service-img-wrap {
  position: relative;
  height: 200px;
  overflow: hidden;
}

.service-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.service-card:hover .service-img-wrap img {
  transform: scale(1.08);
}

.service-tag {
  position: absolute;
  top: 14px;
  right: 14px;
  background: var(--accent);
  color: #7c2d12;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.service-body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.service-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-ultra-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  font-size: 1.3rem;
  color: var(--primary);
  transition: var(--transition);
}

.service-card:hover .service-icon {
  background: var(--primary);
  color: var(--white);
}

.service-body h3 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 12px;
}

.service-body p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 16px;
}

.service-features {
  list-style: none;
  margin-bottom: 20px;
  flex: 1;
}

.service-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--text-secondary);
  padding: 4px 0;
}

.service-features li i {
  color: var(--success);
  font-size: 0.8rem;
  flex-shrink: 0;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-size: 0.875rem;
  font-weight: 600;
  margin-top: auto;
  transition: var(--transition-fast);
}

.service-link:hover {
  gap: 10px;
  color: var(--primary-dark);
}

/* ===== WHY US ===== */
.why-us {
  background: var(--gray-50);
}

.why-us-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 40px;
}

.why-feature {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}

.why-feature:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-md);
  transform: translateX(4px);
}

.why-feature-icon {
  width: 44px;
  height: 44px;
  background: var(--primary-ultra-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--primary);
  flex-shrink: 0;
  transition: var(--transition);
}

.why-feature:hover .why-feature-icon {
  background: var(--primary);
  color: var(--white);
}

.why-feature h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 4px;
}

.why-feature p {
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

.why-us-visual {
  position: relative;
}

.why-main-img {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-2xl);
  border: 4px solid var(--white);
}

.why-main-img img {
  width: 100%;
  height: 550px;
  object-fit: cover;
}

.why-badge-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-200);
  min-width: 200px;
  animation: floatCard 4s ease-in-out infinite;
}

.why-badge-card i {
  font-size: 2rem;
  flex-shrink: 0;
}

.why-badge-card strong {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--secondary);
}

.why-badge-card span {
  font-size: 0.78rem;
  color: var(--text-secondary);
}

.card-1 {
  top: 32px;
  left: -40px;
  animation-delay: 0s;
}

.card-2 {
  bottom: 80px;
  right: -32px;
  animation-delay: 2s;
}

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* ===== CIBIL SECTION ===== */
.cibil-section {
  background: linear-gradient(135deg, #f0f7ff 0%, #e8f3ff 100%);
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}

.cibil-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.cibil-gauge-wrap {
  position: relative;
  text-align: center;
  margin-bottom: 32px;
}

.cibil-gauge {
  width: 100%;
  max-width: 300px;
  margin: 0 auto;
}

.gauge-fill {
  stroke-dasharray: 251;
  stroke-dashoffset: 62;
  animation: gaugeAnim 2s ease-out 0.5s both;
}

@keyframes gaugeAnim {
  from { stroke-dashoffset: 251; }
  to { stroke-dashoffset: 62; }
}

.gauge-needle {
  transform-origin: 100px 100px;
  animation: needleAnim 2s ease-out 0.5s both;
}

@keyframes needleAnim {
  from { transform: rotate(-90deg); }
  to { transform: rotate(0deg); }
}

.cibil-score-display {
  margin-top: -20px;
}

.cibil-score-num {
  display: block;
  font-family: var(--font-heading);
  font-size: 3.5rem;
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
}

.cibil-score-label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  font-weight: 500;
}

.cibil-ranges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}

.cibil-range {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.cibil-range .dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

.cibil-range.poor .dot { background: #ef4444; }
.cibil-range.fair .dot { background: #f59e0b; }
.cibil-range.good .dot { background: #3b82f6; }
.cibil-range.excellent .dot { background: #22c55e; }

.cibil-content p {
  font-size: 1rem;
  color: var(--text-secondary);
  margin-bottom: 32px;
  line-height: 1.7;
}

.cibil-steps {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 36px;
}

.cibil-step {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.cibil-step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  font-weight: 800;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(29, 78, 216, 0.25);
}

.cibil-step strong {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 4px;
}

.cibil-step p {
  font-size: 0.85rem;
  margin-bottom: 0;
}

/* ===== TESTIMONIALS ===== */
.testimonials-section {
  background: var(--white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-light);
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  color: var(--accent);
  font-size: 0.9rem;
}

.testimonial-text {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.7;
  flex: 1;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--gray-100);
  padding-top: 16px;
}

.testimonial-author img {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--primary-ultra-light);
  flex-shrink: 0;
}

.testimonial-author strong {
  display: block;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--secondary);
}

.testimonial-author span {
  display: block;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.testimonial-debt-tag {
  display: inline-block;
  background: #dcfce7;
  color: #166534;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  margin-top: 2px;
}

.google-rating {
  margin-top: 48px;
  text-align: center;
}

.google-rating-inner {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 16px 28px;
}

.google-stars {
  display: flex;
  align-items: center;
  gap: 4px;
  color: var(--accent);
  font-size: 1rem;
  margin-bottom: 4px;
}

.google-stars strong {
  font-size: 1.2rem;
  color: var(--secondary);
  margin-left: 6px;
}

.google-rating-inner > div > span {
  font-size: 0.82rem;
  color: var(--text-secondary);
}

/* ===== FAQ ===== */
.faq-section {
  background: var(--gray-50);
}

.faq-grid {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}

.faq-item.open {
  border-color: var(--primary-light);
  box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.08);
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  color: var(--secondary);
  font-size: 0.95rem;
  transition: var(--transition-fast);
  user-select: none;
}

.faq-question:hover {
  color: var(--primary);
  background: var(--primary-ultra-light);
}

.faq-icon {
  flex-shrink: 0;
  color: var(--primary);
  font-size: 0.85rem;
  transition: transform 0.3s ease;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 24px 20px;
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.7;
  border-top: 1px solid var(--gray-100);
  padding-top: 16px;
}

.faq-item.open .faq-answer {
  display: block;
}

/* ===== CONTACT ===== */
.contact-section {
  background: linear-gradient(135deg, #0a1628 0%, #0d2147 100%);
  color: var(--white);
}

.contact-section .section-tag {
  background: rgba(255,255,255,0.1);
  color: #93c5fd;
  border-color: rgba(255,255,255,0.2);
}

.contact-section .section-title {
  color: var(--white);
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}

.contact-info > p {
  color: rgba(255,255,255,0.75);
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 40px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-detail-icon {
  width: 44px;
  height: 44px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: #93c5fd;
  flex-shrink: 0;
}

.contact-detail-item strong {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}

.contact-detail-item a {
  display: block;
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 600;
}

.contact-detail-item a:hover {
  color: #93c5fd;
}

.contact-detail-item span {
  display: block;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
}

/* Contact Form */
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: 0 32px 60px rgba(0,0,0,0.3);
}

.contact-form h3 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 6px;
}

.form-subtitle {
  font-size: 0.87rem;
  color: var(--text-secondary);
  margin-bottom: 24px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-family: var(--font-sans);
  color: var(--text-primary);
  background: var(--white);
  transition: var(--transition-fast);
  outline: none;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.1);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3e%3cpath stroke='%236b7280' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='M6 8l4 4 4-4'/%3e%3c/svg%3e");
  background-position: right 12px center;
  background-repeat: no-repeat;
  background-size: 16px;
  padding-right: 40px;
  cursor: pointer;
}

.form-group textarea {
  resize: vertical;
  min-height: 80px;
}

.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
}

.form-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--primary);
  cursor: pointer;
}

.form-consent label {
  font-size: 0.78rem;
  color: var(--text-secondary);
  cursor: pointer;
  line-height: 1.5;
}

.form-consent a {
  color: var(--primary);
  font-weight: 600;
}

.form-trust {
  display: flex;
  justify-content: center;
  gap: 20px;
  margin-top: 16px;
}

.form-trust span {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  color: var(--text-muted);
}

.form-trust i {
  color: var(--success);
}

/* Form Success */
.form-success {
  text-align: center;
  padding: 40px 20px;
}

.success-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: #dcfce7;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 2.5rem;
  color: var(--success);
}

.form-success h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 12px;
}

.form-success p {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.6;
}

.form-success a {
  color: var(--primary);
  font-weight: 600;
}

/* ===== FOOTER ===== */
.footer {
  background: var(--gray-900);
  color: rgba(255,255,255,0.75);
}

.footer-top {
  padding: 72px 0 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
}

.footer-brand .footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}

.footer-brand .logo-main {
  color: var(--white);
}

.footer-brand .logo-sub {
  color: rgba(255,255,255,0.5);
}

.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  margin-bottom: 24px;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-3px);
}

.footer-links-col h4 {
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.footer-links-col ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links-col ul li a {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition-fast);
}

.footer-links-col ul li a:hover {
  color: var(--white);
  padding-left: 4px;
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.87rem;
}

.footer-contact-list li i {
  color: var(--primary-light);
  margin-top: 2px;
  flex-shrink: 0;
  width: 16px;
}

.footer-contact-list li a,
.footer-contact-list li span {
  color: rgba(255,255,255,0.65);
  transition: var(--transition-fast);
}

.footer-contact-list li a:hover {
  color: var(--white);
}

.footer-app-badges {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 20px;
}

.app-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 8px 16px;
  color: rgba(255,255,255,0.8);
  transition: var(--transition);
}

.app-badge:hover {
  background: rgba(255,255,255,0.12);
  color: var(--white);
}

.app-badge i {
  font-size: 1.4rem;
}

.app-badge span {
  display: block;
  font-size: 0.7rem;
  opacity: 0.6;
}

.app-badge strong {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
}

.footer-bottom {
  padding: 24px 0;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}

.footer-legal-links {
  display: flex;
  gap: 20px;
}

.footer-legal-links a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  transition: var(--transition-fast);
}

.footer-legal-links a:hover {
  color: rgba(255,255,255,0.8);
}

.footer-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.6;
  border-top: 1px solid rgba(255,255,255,0.05);
  padding-top: 16px;
  margin-top: 0;
}

/* ===== FLOATING WIDGETS ===== */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  left: 28px;
  z-index: 1000;
  width: 60px;
  height: 60px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.8rem;
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
  transition: var(--transition);
}

.whatsapp-float:hover {
  transform: scale(1.1) translateY(-3px);
  box-shadow: 0 10px 30px rgba(37, 211, 102, 0.5);
}

.whatsapp-tooltip {
  position: absolute;
  left: 70px;
  background: var(--gray-900);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease;
}

.whatsapp-float:hover .whatsapp-tooltip {
  opacity: 1;
}

.back-to-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 1000;
  width: 48px;
  height: 48px;
  background: var(--primary);
  color: var(--white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  box-shadow: var(--shadow-blue);
  transition: var(--transition);
  opacity: 0;
  transform: translateY(20px);
}

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

.back-to-top:hover {
  background: var(--primary-dark);
  transform: translateY(-3px);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1200px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
}

@media (max-width: 1024px) {
  .nav-menu, .nav-actions .nav-phone {
    display: none;
  }

  .nav-actions .nav-cta {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .nav-menu.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 2px solid var(--primary-ultra-light);
    padding: 16px 20px 24px;
    gap: 6px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.15);
    z-index: 998;
    max-height: calc(100vh - 80px);
    overflow-y: auto;
  }

  .nav-menu .nav-link {
    padding: 12px 16px;
    font-size: 1rem;
    font-weight: 600;
    border-radius: var(--radius-md);
  }

  .mobile-nav-block {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 12px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-200);
  }

  .mobile-nav-phones {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }

  .mobile-phone-pill,
  .mobile-whatsapp-pill {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 16px;
    border-radius: var(--radius-md);
    font-size: 0.92rem;
    font-weight: 700;
    min-height: 46px;
  }

  .mobile-phone-pill {
    background: var(--primary-ultra-light);
    color: var(--primary);
    border: 1px solid rgba(29, 78, 216, 0.2);
  }

  .mobile-phone-pill:hover {
    background: var(--primary);
    color: var(--white);
  }

  .mobile-whatsapp-pill {
    background: #dcfce7;
    color: #166534;
    border: 1px solid rgba(34, 197, 94, 0.25);
  }

  .mobile-nav-btn {
    text-align: center;
    min-height: 48px;
    font-size: 1rem;
  }

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

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

  .why-us-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .why-us-visual {
    order: -1;
    max-width: 500px;
    margin: 0 auto;
  }

  .why-main-img img {
    height: 380px;
  }

  .card-1 { left: 0; }
  .card-2 { right: 0; }

  .cibil-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .contact-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

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

@media (max-width: 768px) {
  .section { padding: 50px 0; }
  .section-header { margin-bottom: 40px; }

  .announcement-bar {
    padding: 8px 12px;
    font-size: 0.76rem;
    line-height: 1.5;
  }

  .hero {
    min-height: auto;
    padding: 36px 16px 0;
  }

  .hero-badge {
    font-size: 0.74rem;
    padding: 6px 14px;
    margin-bottom: 18px;
  }

  .hero-title {
    font-size: clamp(1.85rem, 7vw, 2.6rem);
    line-height: 1.18;
    margin-bottom: 16px;
  }

  .hero-subtitle {
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 24px;
  }

  .hero-trust-badges {
    gap: 8px;
    margin-bottom: 28px;
  }

  .trust-badge {
    font-size: 0.75rem;
    padding: 6px 12px;
  }

  .hero-stats {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    padding: 18px 12px;
    gap: 16px 10px;
    margin-top: 36px;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  }

  .stat-divider { display: none; }

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

  .stat-number {
    font-size: 1.6rem;
    margin-bottom: 4px;
  }

  .stat-label {
    font-size: 0.72rem;
  }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .step-card {
    padding: 24px 18px;
  }

  .services-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .service-img-wrap {
    height: 180px;
  }

  .why-features {
    gap: 14px;
    margin-top: 24px;
  }

  .why-feature {
    padding: 16px;
  }

  .why-main-img img {
    height: 320px;
  }

  .why-badge-card {
    min-width: auto;
    padding: 12px 16px;
    font-size: 0.85rem;
  }

  .card-1 { top: 16px; left: 10px; }
  .card-2 { bottom: 20px; right: 10px; }

  .cibil-gauge {
    max-width: 240px;
  }

  .cibil-score-num {
    font-size: 2.75rem;
  }

  .cibil-ranges {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 8px 16px;
    max-width: 280px;
    margin: 0 auto;
    text-align: left;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .testimonial-card {
    padding: 22px 18px;
  }

  /* Prevent automatic mobile input zoom */
  .form-group input,
  .form-group select,
  .form-group textarea {
    font-size: 16px !important;
    padding: 12px 14px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .contact-form-wrap {
    padding: 24px 16px;
    border-radius: var(--radius-lg);
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-bottom-inner {
    flex-direction: column;
    text-align: center;
    gap: 14px;
  }

  .footer-legal-links {
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
  }

  .hero-actions {
    flex-direction: column;
    align-items: center;
    width: 100%;
  }

  .btn-lg {
    width: 100%;
    max-width: 100%;
    justify-content: center;
  }

  .whatsapp-float {
    bottom: 20px;
    left: 16px;
    width: 52px;
    height: 52px;
    font-size: 1.6rem;
  }

  .back-to-top {
    bottom: 20px;
    right: 16px;
    width: 44px;
    height: 44px;
  }
}

@media (max-width: 480px) {
  .container { padding: 0 14px; }

  .hero-title {
    font-size: 1.95rem;
  }

  .hero-stats {
    padding: 16px 8px;
    gap: 14px 6px;
  }

  .stat-number {
    font-size: 1.4rem;
  }

  .google-rating-inner {
    flex-direction: column;
    gap: 8px;
    padding: 14px 18px;
  }
}

/* ===== PARTICLES (Hero) ===== */
.particle {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  animation: particleFloat linear infinite;
}

@keyframes particleFloat {
  0% { transform: translateY(100vh) translateX(0) rotate(0deg); opacity: 0; }
  10% { opacity: 1; }
  90% { opacity: 0.5; }
  100% { transform: translateY(-10vh) translateX(100px) rotate(360deg); opacity: 0; }
}

/* ===== LEGAL MODAL ===== */
.legal-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.78);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.legal-modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.legal-modal-container {
  background: var(--white);
  width: 100%;
  max-width: 820px;
  max-height: 88vh;
  border-radius: var(--radius-xl);
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.4);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transform: scale(0.92) translateY(20px);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
  border: 1px solid var(--gray-200);
}

.legal-modal-overlay.active .legal-modal-container {
  transform: scale(1) translateY(0);
}

.modal-header {
  padding: 20px 24px 16px;
  border-bottom: 1px solid var(--gray-200);
  background: var(--gray-50);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.modal-header-title {
  display: flex;
  align-items: center;
  gap: 10px;
}

.modal-header-title i {
  font-size: 1.3rem;
  color: var(--primary);
}

.modal-header-title h3 {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  color: var(--secondary);
  margin: 0;
}

.modal-close-btn {
  background: var(--white);
  border: 1px solid var(--gray-300);
  color: var(--gray-600);
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition-fast);
  font-size: 1rem;
}

.modal-close-btn:hover {
  background: var(--danger);
  color: var(--white);
  border-color: var(--danger);
  transform: rotate(90deg);
}

.modal-tabs {
  display: flex;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 0 24px;
  gap: 8px;
  overflow-x: auto;
}

.modal-tab-btn {
  padding: 12px 18px;
  background: none;
  border: none;
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray-600);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: var(--transition-fast);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 8px;
}

.modal-tab-btn:hover {
  color: var(--primary);
}

.modal-tab-btn.active {
  color: var(--primary);
  border-bottom-color: var(--primary);
}

.modal-body {
  padding: 24px 28px;
  overflow-y: auto;
  flex: 1;
  font-size: 0.92rem;
  line-height: 1.7;
  color: var(--text-secondary);
}

.modal-body::-webkit-scrollbar {
  width: 6px;
}

.modal-body::-webkit-scrollbar-track {
  background: var(--gray-100);
}

.modal-body::-webkit-scrollbar-thumb {
  background: var(--gray-300);
  border-radius: var(--radius-full);
}

.modal-tab-content {
  display: none;
}

.modal-tab-content.active {
  display: block;
  animation: fadeIn 0.25s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.modal-tab-content h4 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--secondary);
  margin: 20px 0 8px;
  padding-bottom: 6px;
  border-bottom: 1px solid var(--gray-200);
}

.modal-tab-content h4:first-of-type {
  margin-top: 0;
}

.modal-tab-content p {
  margin-bottom: 14px;
}

.modal-tab-content ul {
  margin-bottom: 16px;
  padding-left: 20px;
  list-style: disc;
}

.modal-tab-content ul li {
  margin-bottom: 6px;
}

.modal-callout {
  background: var(--primary-ultra-light);
  border-left: 4px solid var(--primary);
  padding: 12px 16px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 16px 0;
  font-size: 0.88rem;
  color: var(--primary-dark);
}

.modal-footer {
  padding: 16px 24px;
  border-top: 1px solid var(--gray-200);
  background: var(--gray-50);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.modal-footer-contact {
  font-size: 0.85rem;
  color: var(--gray-600);
  display: flex;
  align-items: center;
  gap: 8px;
}

.modal-footer-contact a {
  color: var(--primary);
  font-weight: 600;
}

.modal-accept-btn {
  background: var(--primary);
  color: var(--white);
  border: none;
  padding: 10px 22px;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.modal-accept-btn:hover {
  background: var(--primary-dark);
}

@media (max-width: 640px) {
  .legal-modal-container {
    max-height: 92vh;
    border-radius: var(--radius-lg);
  }
  .modal-body {
    padding: 18px;
  }
  .modal-tabs {
    padding: 0 16px;
  }
  .modal-tab-btn {
    padding: 10px 12px;
    font-size: 0.82rem;
  }
  .modal-footer {
    flex-direction: column;
    align-items: stretch;
    text-align: center;
  }
}