/* =========================================================
   SelFin website – shared styles
   BRAND COLOURS: replace these 4 values with SelFin's exact
   hex codes from the current website/logo.
   ========================================================= */
:root{
  --brand:#0E4C92;        /* primary brand colour (logo/nav/headings) */
  --brand-dark:#0A3669;   /* darker shade for footer and hovers */
  --accent:#F58220;       /* secondary brand colour (buttons, highlights) */
  --accent-dark:#C45F0A;  /* accent used behind white text (AA contrast) */

  --ink:#1B2433; --text:#3A4354; --muted:#5E6778;
  --paper:#FFFFFF; --band:#F3F6FA; --line:#DCE2EB;
  --brand-soft:#E6EEF8; --accent-soft:#FDEBDC;
  --r-lg:18px; --r:12px; --r-sm:8px;
  --display:"Poppins","Segoe UI",system-ui,sans-serif;
  --body:"Open Sans","Segoe UI",system-ui,-apple-system,sans-serif;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){--ink:#EEF2F8;--text:#D3DAE6;--muted:#A6B0C2;--paper:#10161F;--band:#18212D;--line:#2B3646;--brand-soft:#16273D;--accent-soft:#3A2614}}
:root[data-theme="dark"]{--ink:#EEF2F8;--text:#D3DAE6;--muted:#A6B0C2;--paper:#10161F;--band:#18212D;--line:#2B3646;--brand-soft:#16273D;--accent-soft:#3A2614}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:calc(90px + env(safe-area-inset-top,0px))}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--paper);color:var(--text);font:16.5px/1.65 var(--body)}
img{max-width:100%;display:block}
a{color:var(--brand)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) a{color:#7FB2F0}}
h1,h2,h3{font-family:var(--display);color:var(--ink);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.2rem);font-weight:700}
h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:600}
h3{font-size:1.15rem;font-weight:600}
p{margin:0 0 1em}
.center{text-align:center;margin-inline:auto}
.lede{font-size:1.1rem;color:var(--muted);max-width:62ch}
.lede.center{margin-bottom:36px}
.small{font-size:.9rem;color:var(--muted)}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:4px}
.wrap{width:min(1200px,100% - 40px);margin-inline:auto}
.wrap.narrow{width:min(820px,100% - 40px)}
section{padding:76px 0}
.band{background:var(--band)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:200;background:var(--paper);padding:8px 14px}

.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:999px;font:600 1rem var(--body);text-decoration:none;cursor:pointer;border:2px solid transparent;text-align:center}
.btn-primary{background:var(--accent-dark);color:#fff}
.btn-primary:hover{background:var(--brand)}
.btn-outline{border-color:var(--brand);color:var(--brand);background:transparent}
.btn-outline:hover{background:var(--brand);color:#fff}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .btn-outline{border-color:#7FB2F0;color:#7FB2F0}}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}

/* notice + header */
.notice{background:var(--brand-dark);color:#fff;font-size:.88rem;text-align:center}
.notice .wrap{padding:8px 0}
.notice a{color:#fff;font-weight:600}
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--paper);border-bottom:1px solid var(--line);box-shadow:0 2px 10px rgba(14,76,146,.06)}
header.site .wrap{display:flex;align-items:center;gap:22px;min-height:76px}
.brand{display:flex;align-items:center}
.logo{height:41px;width:auto}
nav.main{display:flex;gap:16px;margin-left:auto;font-size:.93rem;white-space:nowrap}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;padding:6px 0;border-bottom:3px solid transparent}
nav.main a:hover,nav.main a[aria-current="page"]{color:var(--brand);border-color:var(--accent)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:48px;height:48px;color:var(--ink);cursor:pointer;margin-left:10px}
@media (max-width:1240px){
  nav.main{display:none}
  .menu-btn{display:grid;place-items:center;margin-left:auto}
  nav.main.open{display:flex;flex-direction:column;position:absolute;top:76px;left:0;right:0;background:var(--paper);padding:10px 20px 20px;border-bottom:1px solid var(--line);gap:0}
  nav.main.open a{padding:14px 0;border-bottom:1px solid var(--line)}
}

/* banner */
.page-banner{background:var(--brand);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.page-banner::after{content:"";position:absolute;right:-80px;bottom:-120px;width:340px;height:340px;border-radius:50%;background:var(--accent);opacity:.9}
.page-banner .wrap{position:relative;z-index:1}
.page-banner h1{color:#fff;margin:0}
.page-banner p{color:#DCE7F5;font-size:1.15rem;margin:10px 0 0;max-width:56ch}

/* hero */
.hero{padding:64px 0 76px;background:linear-gradient(180deg,var(--brand-soft),var(--paper))}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.hero-grid>*{min-width:0}
@media (max-width:960px){.hero-grid{grid-template-columns:1fr;gap:36px}}
.kicker{color:var(--accent-dark);font-weight:700;margin-bottom:10px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .kicker{color:var(--accent)}}
.hero-media{position:relative}
.hero-media>img{border-radius:var(--r-lg);width:100%;aspect-ratio:4/3;object-fit:cover;background:var(--band)}
.emi-card{position:relative;margin:-90px 18px 0 auto;max-width:360px;background:var(--paper);border-radius:var(--r-lg);padding:22px 22px 16px;box-shadow:0 16px 40px rgba(14,40,80,.18);border-top:5px solid var(--accent)}
@media (max-width:560px){.emi-card{margin:-60px 10px 0;max-width:none}}
.emi-card h2{font-size:1.1rem;margin-bottom:12px}
.emi-row{display:grid;grid-template-columns:78px 1fr;align-items:center;gap:10px;margin-bottom:10px}
.emi-row label{font-weight:600;font-size:.92rem;color:var(--ink)}
.emi-row input,.emi-row select{font:inherit;min-height:44px;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:6px 10px;color:var(--ink);background:var(--paper);width:100%}
.emi-out{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;margin:12px 0 4px;color:var(--muted)}
.emi-out strong{font-family:var(--display);font-size:2rem;color:var(--brand)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .emi-out strong{color:#7FB2F0}}
.emi-note{font-size:.8rem;color:var(--muted);margin:0}

.ticks{list-style:none;padding:0;margin:0 0 1em}
.ticks li{position:relative;padding-left:30px;margin-bottom:10px}
.ticks li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--accent-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C45F0A' stroke-width='3.5'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
.ticks.inline{display:flex;flex-wrap:wrap;gap:4px 24px}
.ticks.grid2{display:grid;grid-template-columns:1fr 1fr;gap:6px 40px}
@media (max-width:760px){.ticks.grid2{grid-template-columns:1fr}}

/* loan cards */
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media (max-width:1000px){.loan-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.loan-grid{grid-template-columns:1fr}}
.loan{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;text-decoration:none;color:var(--text);transition:border-color .2s,transform .2s}
.loan:hover{border-color:var(--brand);transform:translateY(-3px)}
.loan-ic{display:grid;place-items:center;width:54px;height:54px;border-radius:14px;background:var(--brand-soft);color:var(--brand);margin-bottom:16px}
.loan h3{margin-bottom:6px}
.loan p{color:var(--muted);flex:1}
.loan-f{font-weight:700;color:var(--ink);font-size:.95rem}
.more{margin-top:14px;color:var(--accent-dark);font-weight:700}
.new{display:inline-block;font:700 .7rem var(--body);background:var(--accent);color:#1B2433;border-radius:999px;padding:2px 9px;vertical-align:3px;margin-left:4px}
.ph{background:var(--accent-soft);color:var(--ink);border-radius:4px;padding:0 5px;font-weight:600}

/* tabs */
.tabs{display:flex;gap:6px;flex-wrap:wrap;justify-content:center;margin-bottom:32px}
.tab{background:var(--band);border:0;border-radius:999px;padding:0 20px;min-height:46px;font:600 .98rem var(--body);color:var(--ink);cursor:pointer}
.tab[aria-selected="true"]{background:var(--brand);color:#fff}
.tabpanel{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.tabpanel[hidden]{display:none}
.tabpanel img{border-radius:var(--r-lg);aspect-ratio:16/10;object-fit:cover;width:100%;background:var(--band)}
@media (max-width:800px){.tabpanel{grid-template-columns:1fr;gap:22px}}

/* steps */
.steps{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:st}
@media (max-width:900px){.steps{grid-template-columns:1fr}}
.steps>li{counter-increment:st;background:var(--paper);border-radius:var(--r-lg);padding:28px;border:1px solid var(--line);position:relative}
.steps>li::before{content:"Step " counter(st);display:inline-block;background:var(--accent-dark);color:#fff;font:700 .85rem var(--body);border-radius:999px;padding:4px 14px;margin-bottom:14px}
.steps ul{padding-left:1.1em;margin:0;color:var(--muted)}
.steps ul li{margin-bottom:6px}

/* why */
.why{display:grid;grid-template-columns:repeat(5,1fr);gap:22px;margin-top:36px}
.why.three{grid-template-columns:repeat(3,1fr);margin-top:0}
@media (max-width:1000px){.why,.why.three{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.why,.why.three{grid-template-columns:1fr}}
.why>div{border-top:4px solid var(--brand);padding-top:18px}
.why p{color:var(--muted);margin:0}

/* two col / who */
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.who{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.who img{border-radius:var(--r-lg);aspect-ratio:4/3;object-fit:cover;width:100%;background:var(--band)}
@media (max-width:900px){.two,.who{grid-template-columns:1fr;gap:32px}}

/* forms */
.book{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
@media (max-width:900px){.book{grid-template-columns:1fr}}
.form{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
@media (max-width:620px){.form{grid-template-columns:1fr;padding:20px}}
.form h3{margin:0}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.full{grid-column:1/-1}
.field label,.field legend{font-weight:600;color:var(--ink);font-size:.93rem}
.field input,.field select,.field textarea{font:inherit;color:var(--ink);background:var(--paper);border:1.5px solid var(--line);border-radius:var(--r-sm);padding:10px 12px;min-height:48px;width:100%}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-soft)}
fieldset.field{border:0;margin:0;padding:0}
.slots{display:flex;gap:10px;flex-wrap:wrap}
.slots label{flex:1 1 170px;display:flex;gap:8px;align-items:center;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:10px 12px;min-height:48px;cursor:pointer;font-weight:500}
.slots input{accent-color:var(--brand);width:18px;height:18px}
.slots label:has(input:checked){border-color:var(--brand);background:var(--brand-soft)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}
.consent input{width:18px;height:18px;margin-top:3px;accent-color:var(--brand)}
.form-msg{margin:0;font-weight:600;color:#1E7A4B}
.form-msg.err{color:#B3261E}

/* stories */
.stories{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:36px}
@media (max-width:1000px){.stories{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.stories{grid-template-columns:1fr}}
.stories figure{margin:0;background:var(--paper);border-radius:var(--r-lg);padding:26px;border:1px solid var(--line);display:flex;flex-direction:column}
.stories figure::before{content:"\201C";font:700 3.4rem/0.8 Georgia,serif;color:var(--accent)}
.stories blockquote{margin:6px 0 18px;flex:1}
.stories figcaption{font-weight:700;color:var(--ink)}
.stories figcaption span{display:block;font-weight:400;color:var(--muted);font-size:.92rem}

/* faq */
.faq{display:grid;grid-template-columns:260px 1fr;gap:40px;margin-top:32px}
@media (max-width:860px){.faq{grid-template-columns:1fr;gap:16px}}
.faq-cats{display:flex;flex-direction:column;gap:6px;align-self:start}
@media (max-width:860px){.faq-cats{flex-direction:row;flex-wrap:wrap}}
.faq-cats button{text-align:left;background:var(--band);border:0;border-radius:var(--r-sm);padding:0 16px;min-height:46px;font:600 .98rem var(--body);color:var(--ink);cursor:pointer}
.faq-cats button[aria-pressed="true"]{background:var(--brand);color:#fff}
.faq-list details{border-bottom:1px solid var(--line)}
.faq-list.solo{max-width:820px;margin:28px auto 0}
.faq-list summary{list-style:none;cursor:pointer;padding:18px 40px 18px 0;font-weight:600;color:var(--ink);position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font:600 1.6rem var(--display);color:var(--accent-dark)}
.faq-list details[open] summary::after{content:"–"}
.faq-list .a{padding:0 0 18px;color:var(--muted)}
.faq-list .a ul{margin:0;padding-left:1.1em}

/* products */
.uses{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:800px){.uses{grid-template-columns:1fr 1fr}}
.use{margin:0;position:relative;border-radius:var(--r);overflow:hidden;background:var(--brand-dark)}
.use img{aspect-ratio:4/3;object-fit:cover;width:100%}
.use figcaption{position:absolute;left:0;right:0;bottom:0;padding:30px 16px 14px;background:linear-gradient(transparent,rgba(10,30,60,.85));color:#fff;font-weight:600}
.plans{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:32px}
.plans.three{grid-template-columns:repeat(3,1fr)}
@media (max-width:960px){.plans.three{grid-template-columns:1fr}}
@media (max-width:760px){.plans{grid-template-columns:1fr}}
.plan{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;border-top:5px solid var(--brand)}
.plan p{color:var(--muted)}
.facts{margin:0 0 20px}
.facts div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line)}
.facts dt{color:var(--muted)}
.facts dd{margin:0;font-weight:700;color:var(--ink);text-align:right}
.elig{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:32px}
@media (max-width:760px){.elig{grid-template-columns:1fr}}
.elig div{background:var(--brand);color:#fff;border-radius:var(--r-lg);padding:28px;text-align:center}
.elig strong{display:block;font:600 1.4rem var(--display)}
.elig span{color:#DCE7F5}
.docs{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:32px 0}
@media (max-width:1000px){.docs{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.docs{grid-template-columns:1fr}}
.docs>div{background:var(--paper);border-radius:var(--r-lg);padding:24px;border:1px solid var(--line)}
.docs h3{display:flex;gap:10px;align-items:center;color:var(--brand)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .docs h3{color:#7FB2F0}}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:18px 0}
.chips li{background:var(--brand-soft);color:var(--ink);border-radius:999px;padding:6px 14px;font-size:.93rem}

/* about */
.mv{display:grid;gap:16px}
.mv div{background:var(--brand-soft);border-radius:var(--r-lg);padding:22px 24px;border-left:0}
.mv h3{color:var(--accent-dark);font-size:1rem;margin-bottom:4px}
.mv p{margin:0;font:600 1.2rem/1.35 var(--display);color:var(--ink)}
.pyramid{display:flex;flex-direction:column;align-items:center;gap:8px;margin:0 auto 40px}
.pyramid div{background:var(--brand);color:#fff;border-radius:var(--r-sm);padding:10px 16px;text-align:center;min-width:0}
.pyramid div:nth-child(1){width:min(34%,100%)}.pyramid div:nth-child(2){width:min(52%,100%)}.pyramid div:nth-child(3){width:min(70%,100%)}.pyramid div:nth-child(4){width:min(88%,100%);background:var(--accent-dark)}
.pyramid strong{margin-right:8px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:800px){.stats{grid-template-columns:1fr 1fr}}
.stats div{text-align:center;padding:22px;border:1px solid var(--line);border-radius:var(--r-lg)}
.stats strong{display:block;font:700 1.9rem var(--display);color:var(--brand)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .stats strong{color:#7FB2F0}}
.stats span{color:var(--muted);font-size:.93rem}
.gap{margin-top:48px;background:var(--band);border-radius:var(--r-lg);padding:32px}
.bars{display:grid;gap:14px;margin:18px 0}
.bar span{display:block;height:14px;border-radius:999px;background:var(--brand)}
.bar:nth-child(2) span{background:var(--accent-dark)}
.bar p{margin:6px 0 0}

/* contact */
.contact-cards{display:grid;gap:16px}
.ccard{display:flex;gap:16px;align-items:flex-start;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px}
.ccard>svg{flex:none;color:var(--accent-dark);width:26px;height:26px}
.ccard h3{margin-bottom:2px}
.ccard p{margin:4px 0 0;color:var(--muted)}

/* investors */
.reports{list-style:none;padding:0;margin:24px 0}
.reports a{display:flex;align-items:center;gap:14px;padding:18px 20px;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;text-decoration:none;color:var(--ink);font-weight:600}
.reports a:hover{border-color:var(--brand);background:var(--brand-soft)}
.reports svg{color:var(--brand);flex:none}
.reports span{flex:1}
.reports em{font-style:normal;font-size:.8rem;background:var(--accent-soft);padding:2px 8px;border-radius:6px}

/* policies */
.pol{display:grid;grid-template-columns:280px 1fr;gap:48px}
@media (max-width:860px){.pol{grid-template-columns:1fr}}
.pol-nav ul{list-style:none;padding:0;margin:0;position:sticky;top:110px}
.pol-nav a{display:block;padding:10px 14px;border-radius:var(--r-sm);text-decoration:none;color:var(--ink);font-weight:600}
.pol-nav a:hover{background:var(--brand-soft)}
.policy{padding:0 0 32px;margin-bottom:32px;border-bottom:1px solid var(--line)}

/* modal */
dialog#fraud{border:0;border-radius:var(--r-lg);padding:0;max-width:680px;width:calc(100% - 32px);max-height:85vh;color:var(--text);background:var(--paper);border-top:6px solid var(--accent)}
dialog#fraud::backdrop{background:rgba(10,20,40,.55)}
.modal-in{padding:28px 30px;overflow:auto}

/* footer */
footer{background:var(--brand-dark);color:#D5DEEA;padding:60px 0 28px;font-size:.93rem}
footer a{color:#fff;text-decoration:none}
footer a:hover{text-decoration:underline}
footer h2{color:#fff;font:600 1rem var(--display);margin-bottom:14px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:8px}
.foot-grid{display:grid;grid-template-columns:1.2fr .9fr 1fr 1.6fr 1.2fr;gap:32px}
@media (max-width:1100px){.foot-grid{grid-template-columns:1fr 1fr 1fr}}
@media (max-width:600px){.foot-grid{grid-template-columns:1fr}}
.logo-foot{background:#fff;border-radius:8px;padding:6px 10px;height:53px;margin-bottom:14px}
.social{display:flex;gap:10px;margin-top:10px}
.social a{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.3)}
.legal-line{border-top:1px solid rgba(255,255,255,.18);margin-top:40px;padding-top:20px;font-size:.86rem;text-align:center}

/* priority layout additions */
.kicker.center{text-align:center}
.loan-grid{grid-template-columns:1.3fr 1fr 1fr}
.loan-feature{background:var(--brand);border-color:var(--brand);color:#DCE7F5}
.loan-feature h3,.loan-feature .loan-f{color:#fff}
.loan-feature p{color:#DCE7F5}
.loan-feature .loan-ic{background:var(--accent);color:#1B2433}
.loan-feature .more{color:#FFD2AE}
.loan-feature:hover{border-color:var(--accent)}
@media (max-width:1000px){.loan-grid{grid-template-columns:1fr 1fr}.loan-feature{grid-column:1/-1}}
@media (max-width:560px){.loan-grid{grid-template-columns:1fr}}
.feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.feature-grid>*{min-width:0}
.feature-grid>img{width:100%;border-radius:var(--r-lg)}
@media (max-width:900px){.feature-grid{grid-template-columns:1fr;gap:28px}.feature-grid.rev>img{order:-1}}
.feature .kicker .new{vertical-align:1px}
.plan-img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r);margin-bottom:18px}
.hero-media>img{object-fit:contain}
.need{margin:0;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.need img{width:100%;aspect-ratio:4/3;object-fit:cover}
.need figcaption{padding:14px 16px;font-weight:600;color:var(--ink)}

/* ===== Our Products cards ===== */
:root{--peach:#FDEBDF;--peach-deep:#F8D3BC;--orange:#F58220}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){--peach:#241A14;--peach-deep:#2E2016}}
:root[data-theme="dark"]{--peach:#241A14;--peach-deep:#2E2016}
.products-band{background:var(--peach)}
.prod-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;max-width:1020px;margin:0 auto}
@media (max-width:860px){.prod-grid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.prod-grid{grid-template-columns:1fr}}
.prod{display:flex;flex-direction:column;background:#fff;border:1.5px solid var(--orange);border-radius:14px;overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .2s,box-shadow .2s}
.prod:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(245,130,32,.18)}
.prod-img{aspect-ratio:4/3;display:grid;place-items:center;padding:16px;background:#fff}
.prod-img img{width:100%;height:100%;object-fit:contain}
.prod-foot{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:16px 18px;border-top:1.5px solid var(--orange);background:var(--paper)}
.prod-name{font-weight:600;font-size:1rem;display:flex;flex-direction:column}
.prod-name .new{display:none}
.prod-name small{font-weight:400;color:var(--muted);font-size:.85rem;margin-top:2px}
.prod-arrow{flex:none;color:var(--ink);transition:transform .2s}
.prod:hover .prod-arrow{transform:translateX(3px);color:var(--accent-dark)}

/* ===== Apply in simple steps ===== */
.apply{background:var(--peach-deep)}
.apply h2{margin-bottom:40px}
.apply-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center;margin-bottom:36px}
@media (max-width:900px){.apply-grid{grid-template-columns:1fr;gap:36px}}
.phone-wrap{position:relative;display:grid;place-items:center;min-height:540px;overflow:hidden;padding-bottom:10px}
.blob{position:absolute;inset:8% 2% 10% 2%;background:linear-gradient(135deg,#FFB27A,#F26B0F);border-radius:62% 38% 55% 45% / 45% 60% 40% 55%;transform:rotate(-8deg)}
.phone-wrap::after{content:"";position:absolute;bottom:0;left:18%;right:18%;height:26px;border-radius:50%;background:rgba(27,36,51,.18);filter:blur(6px)}
.phone{position:relative;z-index:1;width:260px;height:520px;border-radius:40px;background:#1B1F27;padding:12px;box-shadow:0 24px 50px rgba(27,36,51,.35),inset 0 0 0 2px #3B414D}
.notch{position:absolute;top:12px;left:50%;transform:translateX(-50%);width:110px;height:24px;background:#1B1F27;border-radius:0 0 16px 16px;z-index:2}
.screen{background:#fff;border-radius:30px;height:100%;overflow:hidden;display:flex;flex-direction:column;color:#1B2433}
.urlbar{margin:34px 14px 0;background:#F1F3F7;border-radius:999px;font-size:.72rem;color:#5E6778;text-align:center;padding:5px 0}
.scr{padding:14px 18px;display:flex;flex-direction:column;flex:1;animation:scrIn .35s ease}
.scr[hidden]{display:none}
@keyframes scrIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.scr-t{font:700 1.05rem var(--display);margin:4px 0 10px;color:#1B2433}
.scr-ill{height:120px;display:grid;place-items:center;margin-bottom:6px}
.scr-ill img{height:100%}
.scr-l{font-size:.72rem;font-weight:700;color:#1B2433;margin:6px 0 4px}
.scr-in{border:1.5px solid #DCE2EB;border-radius:8px;padding:8px 10px;font-size:.8rem;color:#5E6778}
.scr-c{font-size:.66rem;line-height:1.45;color:#5E6778;margin:12px 0;display:flex;gap:8px}
.tick,.ok{flex:none;width:14px;height:14px;border-radius:4px;background:#1E9E5A url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='4'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/10px no-repeat}
.ok{border-radius:50%}
.ok.big{width:64px;height:64px;background-size:34px;margin:0 auto 10px}
.kyc{display:flex;gap:10px;align-items:center;font-size:.8rem;border:1.5px solid #DCE2EB;border-radius:8px;padding:10px;margin-bottom:8px}
.done{text-align:center;margin:auto 0}
.scr-amt{font:800 1.8rem var(--display);color:#C45F0A;margin:0}
.done .scr-c{justify-content:center}
.scr-btn{margin-top:auto;background:#FFB27A;color:#fff;font-weight:700;text-align:center;border-radius:10px;padding:11px;font-size:.85rem}
.scr[data-scr="3"] .scr-btn{background:var(--accent-dark)}
.timeline{list-style:none;margin:0;padding:0;position:relative}
.timeline li{position:relative;padding:0 0 30px 64px}
.timeline li:last-child{padding-bottom:0}
.timeline li::before{content:"";position:absolute;left:21px;top:44px;bottom:-4px;width:2px;background:var(--accent-dark)}
.timeline li:last-child::before{display:none}
.timeline button{all:unset;cursor:pointer;display:flex;align-items:center;gap:8px;font:700 1.35rem var(--display);color:var(--ink);min-height:44px;border-radius:6px}
.timeline button:focus-visible{outline:3px solid var(--accent-dark);outline-offset:4px}
.timeline .num{font-weight:500}
.timeline .dot{position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:#fff;border:2px solid var(--accent-dark);box-sizing:border-box;transition:background .2s}
.timeline li.active .dot{background:var(--orange);box-shadow:inset 0 0 0 9px var(--orange),inset 0 0 0 20px #fff}
.timeline li.active .dot{background:#fff;border-color:var(--orange);box-shadow:inset 0 0 0 9px #FFB27A}
.timeline p{margin:6px 0 0;color:var(--text);max-width:52ch}

/* ===== How to Apply page ===== */
.apply-summary{padding:32px 0;background:var(--peach-deep)}
.summary{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
@media (max-width:700px){.summary{grid-template-columns:1fr 1fr}}
.summary li{background:var(--paper);border-radius:var(--r);padding:14px 16px;font-weight:600;color:var(--ink);display:flex;gap:10px;align-items:center}
.summary strong{font:700 1.3rem var(--display);color:var(--accent-dark)}
.phase{padding:64px 0}
.phase-head{display:flex;align-items:baseline;gap:16px;flex-wrap:wrap;margin-bottom:28px}
.phase-head h2{margin:0}
.phase-n{background:var(--accent-dark);color:#fff;font-weight:700;font-size:.85rem;border-radius:999px;padding:4px 14px}
.phase-t{color:var(--muted);font-weight:600}
.psteps{list-style:none;margin:0;padding:0;display:grid;gap:16px;max-width:900px}
.pstep{display:grid;grid-template-columns:56px 1fr;gap:18px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px 24px}
.pnum{display:grid;place-items:center;width:52px;height:52px;border-radius:50%;border:2px solid var(--orange);font:700 1.1rem var(--display);color:var(--ink)}
.pstep h3{margin-bottom:4px}
.pstep p{margin:0 0 6px;color:var(--text)}
.need-line{font-size:.93rem;color:var(--muted)!important}
.step-note{margin-top:10px!important;background:var(--accent-soft);border-radius:var(--r-sm);padding:10px 14px;font-size:.93rem}
@media (max-width:560px){.pstep{grid-template-columns:1fr;gap:10px}}

/* ===== Apply Now button (header) ===== */
nav.main a.nav-apply{color:#fff;border:2px solid transparent;border-radius:999px;padding:0 20px;min-height:42px;display:inline-flex;align-items:center;margin-left:6px}
nav.main a.nav-apply:hover{color:#fff;background:var(--brand);border-color:transparent}
@media (max-width:1240px){
  nav.main.open a.nav-apply{margin:14px 0 0;justify-content:center;border-bottom:2px solid transparent}
}

/* ===== Calculator -> Apply button ===== */
#e-apply{display:flex;width:100%;margin-top:12px}

#e-prod{font-size:.92rem;padding-right:2px}
@media (max-width:480px){#e-prod{font-size:.82rem}}
.emi-row input[readonly]{background:#f1f4f9;color:var(--muted);cursor:not-allowed}