/* =========================
   style.css — Modern Premium
   Finotic World Pvt. Ltd.
   Option B (clean, rounded, premium)
   ========================= */

/* ---------- variables ---------- */
:root{
  --bg: #f5f7fb;
  --card: #ffffff;
  --muted: #6b7280;
  --text: #0f1724;
  --accent: #007bff;      /* primary blue */
  --teal: #3f9095;        /* secondary teal */
  --gold: #ffb703;        /* accent gold */
  --nav-grad: linear-gradient(90deg,#2a3bd6 0%,#3347fa 100%);
  --glass: rgba(255,255,255,0.6);
  --shadow-sm: 0 6px 18px rgba(16,24,40,0.06);
  --shadow-md: 0 12px 30px rgba(16,24,40,0.08);
  --radius: 12px;
  --container: 1140px;
  --max-width: 1140px;
}

/* ---------- base ---------- */
* { box-sizing: border-box; margin: 0; padding: 0; -webkit-font-smoothing:antialiased; -moz-osx-font-smoothing:grayscale; }
html,body { height:100%; font-family: 'Poppins', sans-serif; background: var(--bg); color: var(--text); }
a { color: inherit; text-decoration: none; }
img { max-width:100%; display:block; }

/* ---------- layout container ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }

/* ---------- NAVBAR ---------- */
.navbar {
  position: sticky; top:0;
  z-index: 1200;
  background: var(--nav-grad);
  color: #fff;
  box-shadow: var(--shadow-sm);
}
.nav-container { display:flex; align-items:center; justify-content:space-between; gap:20px; padding:12px 20px; max-width:var(--container); margin:0 auto; }
.logo { display:flex; align-items:center; gap:12px; }
.logo img { height:48px; width:auto; border-radius:8px; object-fit:cover; box-shadow: 0 4px 12px rgba(0,0,0,0.15); }
.logo span { font-weight:700; font-size:1.05rem; color:#fff; letter-spacing:0.2px; }
.menu-toggle { display:none; background:none; border:none; color:#fff; font-size:1.6rem; cursor:pointer; }

/* nav links */
.nav-links { display:flex; gap:18px; align-items:center; }
.nav-links a { color: rgba(255,255,255,0.95); padding:8px 10px; border-radius:8px; font-weight:500; transition: all .18s ease; }
.nav-links a:hover { background: rgba(255,255,255,0.07); color: var(--gold); transform:translateY(-1px); }

/* mobile */
@media (max-width: 860px) {
  .menu-toggle { display:block; }
  .nav-links { position:absolute; top:70px; right:0; background: #002b5b; flex-direction:column; gap:0; width: 220px; padding:10px; display:none; border-radius:8px; }
  .nav-links.show { display:flex; }
  .nav-links a { color:#fff; padding:12px 14px; width:100%; }
}


/* ---------- HERO ---------- */
.hero { min-height: 70vh; display:flex; align-items:center; background-image: linear-gradient(180deg, rgba(10,25,47,0.35), rgba(10,25,47,0.35)), url('images/tandem-x-visuals-INyY9g9xNGQ-unsplash.jpg'); background-size:cover; background-position:center; padding:60px 0; border-bottom-left-radius:30px; border-bottom-right-radius:30px; color:#fff; }
.hero-container { display:flex; width:100%; align-items:center; justify-content:center; }
.hero-text { text-align:center; max-width:820px; padding:30px; }
.hero h1 { font-size:2.6rem; line-height:1.05; margin-bottom:12px; font-weight:700; color:#fff; text-shadow: 0 6px 20px rgba(0,0,0,0.35); }
.hero p { color: rgba(255,255,255,0.9); font-size:1.05rem; margin-bottom:18px; max-width:760px; margin-left:auto; margin-right:auto; }
.hero-buttons { display:flex; gap:12px; justify-content:center; flex-wrap:wrap; }
.btn { display:inline-flex; align-items:center; justify-content:center; gap:8px; padding:10px 20px; border-radius:10px; font-weight:600; cursor:pointer; border: none; }
.btn.primary { background: var(--gold); color: #09203b; }
.btn.secondary { background: transparent; color: #fff; border: 1.6px solid rgba(255,255,255,0.12); }

/* ---------- SECTION TITLE ---------- */
.section { padding:64px 0; }
.section-title { font-size:1.9rem; font-weight:700; color:var(--text); text-align:center; margin-bottom:8px; }
.section-subtitle { color:var(--muted); text-align:center; max-width:760px; margin:8px auto 36px; }

/* ---------- SERVICES GRID ---------- */
.services { background: transparent; }
.services-grid { display:grid; grid-template-columns: repeat(4, 1fr); gap:22px; align-items:start; max-width:1200px; margin:18px auto 0; }
.service-card { background: linear-gradient(180deg, rgba(255,255,255,0.9), rgba(255,255,255,0.95)); border-radius:16px; padding:20px; box-shadow:var(--shadow-md); transition: transform .22s ease, box-shadow .22s ease; display:flex; flex-direction:column; gap:14px; min-height:220px; }
.service-card:hover { transform: translateY(-8px); box-shadow: 0 18px 40px rgba(12,20,40,0.12); }
.service-header { display:flex; align-items:center; gap:14px; }
.service-icon { width:56px; height:56px; object-fit:contain; border-radius:10px; background:linear-gradient(135deg,#f6f9ff,#eef7fa); padding:8px; box-shadow: 0 6px 18px rgba(12,20,40,0.06); }
.service-header h3 { font-size:1.1rem; color:var(--text); margin:0; }
.service-short-text { color:var(--muted); font-size:0.95rem; flex:1; }
.btn-outline.service-btn { align-self:flex-start; background:transparent; border:1px solid rgba(0,0,0,0.08); padding:8px 14px; border-radius:999px; color:var(--teal); font-weight:600; cursor:pointer; }

/* ---------- SERVICE DETAIL ---------- */
.service-detail { display:none; background: rgba(255,255,255,0.98); border-radius:14px; margin-top:28px; padding:28px; box-shadow: var(--shadow-md); }
.detail-container { max-width:900px; margin:0 auto; }
.detail-container h2 { color:var(--text); margin-bottom:12px; }
.detail-container p { color:var(--muted); line-height:1.7; margin-bottom:12px; }
.detail-container ul { margin-left:20px; margin-top:8px; color:var(--muted); }

/* ---------- INSTANT LOANS (cards) ---------- */
.instant-loan-section { background: #fff; border-radius:12px; padding:48px 0; margin-top:20px; }
.loan-cards-grid { display:grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap:20px; max-width:1200px; margin: 18px auto 0; }
.loan-card { background: #fff; padding:20px; border-radius:12px; text-align:center; box-shadow:var(--shadow-sm); transition: transform .18s ease; }
.loan-card:hover { transform: translateY(-6px); box-shadow:var(--shadow-md); }
.icon-wrapper { display:inline-flex; align-items:center; justify-content:center; width:72px; height:72px; border-radius:50%; background: linear-gradient(135deg, rgba(0,123,255,0.07), rgba(63,144,149,0.04)); margin:0 auto 12px; }
.loan-title { font-size:1.05rem; font-weight:700; margin-bottom:8px; color:var(--text); }
.loan-description { color:var(--muted); margin-bottom:12px; }
.apply-button { display:inline-block; padding:10px 18px; border-radius:8px; background:var(--accent); color:#fff; font-weight:600; }

/* ---------- PARTNERS SLIDER ---------- */
.partners-section { margin-top:34px; padding:26px 0 40px; }
.slider-track-container { overflow:hidden; }
#animated-logos { display:flex; gap:12px; align-items:center; width:max-content; animation: scroll-logos 30s linear infinite; }
@keyframes scroll-logos { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }
#animated-logos img { height:48px; opacity:0.7; filter:grayscale(100%); transition: all .25s ease; }
#animated-logos img:hover { filter:none; opacity:1; transform: scale(1.02); }
.slider-track-container:hover #animated-logos { animation-play-state:paused; }

/* ---------- EMI CALCULATOR ---------- */
.emi-calculator { background: #fff; border-radius:14px; padding:28px; box-shadow:var(--shadow-md); max-width:1100px; margin: 24px auto; display:grid; grid-template-columns: 1fr 320px; gap:24px; align-items:start; }
.calculator-form { display:flex; flex-direction:column; gap:14px; }
.input-group label { font-weight:600; color:var(--text); margin-bottom:6px; }
.input-group input { width:100%; padding:12px 14px; border-radius:8px; border:1px solid #e6eef5; }
.btn.primary { background:var(--gold); color:#072036; border-radius:10px; padding:12px 16px; }
.result-box { background: linear-gradient(180deg,#fbfdff,#ffffff); border-radius:10px; padding:18px; box-shadow:var(--shadow-sm); }
.result-box h3 { margin-bottom:12px; color:var(--teal); }

/* ---------- CIBIL FORM (card) ---------- */
.cibil-form-section { padding:48px 0; }
.cibil-hero-content { display:flex; gap:32px; align-items:flex-start; max-width:1200px; margin:0 auto; }
.hero-text-box { flex:1; min-width:260px; }
.hero-text-box h1 { font-size:1.8rem; margin-bottom:8px; color:var(--text); }
.hero-text-box p { color:var(--muted); margin-bottom:12px; font-size:1rem; }
.stats-bar { display:flex; gap:30px; margin-top:18px; }
.stat-item { font-size:1.6rem; font-weight:700; color:var(--accent); }

/* form card */
.form-card-wrapper { flex:1; min-width:320px; background:var(--card); padding:22px; border-radius:12px; box-shadow:var(--shadow-md); }
.cibil-form .form-group { margin-bottom:12px; display:flex; flex-direction:column; gap:6px; }
.cibil-form input, .cibil-form select { padding:12px 14px; border-radius:8px; border:1px solid #e6eef5; width:100%; font-size:0.98rem; }
.cibil-form input:focus { outline: none; border-color: var(--accent); box-shadow: 0 6px 20px rgba(3,102,214,0.06); }
.submit-button { background:var(--accent); color:#fff; padding:12px 14px; border-radius:10px; border:none; width:100%; font-weight:700; }
.whatsapp-box { margin-top:16px; background:#f0fff5; border:1px solid #d9f2e3; padding:12px; border-radius:8px; text-align:center; }

/* ---------- CIBIL SCORE TABLE ---------- */
.cibil-info-section-simple { padding:48px 0; }
.cibil-score-simple-table { width:100%; border-collapse:collapse; background:#fff; border-radius:8px; overflow:hidden; box-shadow:var(--shadow-sm); }
.cibil-score-simple-table th, .cibil-score-simple-table td { padding:14px 16px; border-bottom:1px solid #f1f5f9; text-align:left; }
.cibil-score-simple-table th { background:var(--teal); color:#fff; font-weight:700; text-transform:uppercase; font-size:0.9rem; }

/* score colors */
.bad-score{ color:#e74c3c; font-weight:700; } .poor-score{ color:#f39c12; font-weight:700; } .average-score{ color:#f1c40f; font-weight:700; } .good-score{ color:#2ecc71; font-weight:700; } .excellent-score{ color:var(--accent); font-weight:700; }

/* ---------- FAQ ---------- */
.faq-section { background: transparent; }
.faq-item { max-width:900px; margin:18px auto; border-radius:10px; overflow:hidden; margin-bottom:10px; }
.faq-question { width:100%; padding:16px 18px; text-align:left; background:#fff; border:none; display:flex; align-items:center; justify-content:space-between; gap:12px; box-shadow:var(--shadow-sm); cursor:pointer; font-weight:600; }
.faq-answer { background:#fbfdff; padding:0 18px; max-height:0; overflow:hidden; transition:max-height .42s ease, padding .28s ease; }
.faq-answer.open { padding:14px 18px 20px 18px; max-height:800px; }

/* ---------- BLOG GRID ---------- */
.blog-grid-final { display:grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap:22px; max-width:1200px; margin:12px auto 0; }
.blog-card-final { background:var(--card); border-radius:12px; overflow:hidden; box-shadow:var(--shadow-sm); transition: transform .22s ease; }
.blog-card-final:hover { transform: translateY(-6px); box-shadow:var(--shadow-md); }
.blog-image-wrapper-final { height:180px; overflow:hidden; background:#f6f8fb; }
.blog-image-final { width:100%; height:100%; object-fit:cover; display:block; }
.blog-content-final { padding:14px 16px; }
.blog-title-final { font-size:1.02rem; font-weight:700; color:var(--text); margin-bottom:10px; }
.blog-meta-final { display:flex; justify-content:space-between; color:var(--muted); font-size:0.9rem; border-top:1px solid #f1f5f9; padding-top:10px; }

/* ---------- STATS ---------- */
.stats-grid { display:flex; gap:22px; align-items:center; justify-content:center; flex-wrap:wrap; margin-top:20px; }
.stat-item { text-align:center; background:linear-gradient(180deg,#fff,#fbfdff); padding:18px; border-radius:12px; min-width:140px; box-shadow:var(--shadow-sm); }

/* ---------- APPLY FORM ---------- */
.apply { background:linear-gradient(180deg,#fff,#fbfdff); border-radius:12px; padding:36px 0; margin-top:20px; }
.apply-form { max-width:560px; margin:18px auto 0; display:flex; flex-direction:column; gap:12px; }
.apply-form input, .apply-form select, .apply-form textarea { padding:12px 14px; border-radius:8px; border:1px solid #e6eef5; font-size:0.98rem; }
.apply-form button { background:var(--accent); color:#fff; padding:12px; border-radius:10px; border:none; font-weight:700; }

/* ---------- FEEDBACK CAROUSEL ---------- */
.feedback-section { padding:36px 0; }
.carousel-wrapper { position:relative; overflow:hidden; }
.feedback-carousel { display:flex; gap:18px; padding:20px 10px; transition: transform .45s cubic-bezier(.22,.9,.36,1); }
.feedback-card { min-width:300px; background:var(--card); padding:20px; border-radius:12px; box-shadow:var(--shadow-sm); }
.carousel-control { position:absolute; top:50%; transform:translateY(-50%); z-index:30; border:none; width:44px; height:44px; border-radius:50%; display:flex; align-items:center; justify-content:center; background:var(--accent); color:#fff; cursor:pointer; box-shadow:0 8px 18px rgba(2,12,27,0.12); }
.carousel-control.prev { left:12px; } .carousel-control.next { right:12px; }

/* ---------- FOOTER ---------- */
.footer { background: linear-gradient(135deg,#002b5b,#004e92); color:#fff; padding:36px 0 20px; margin-top:36px; border-radius:10px 10px 0 0; }
.footer-container { display:grid; grid-template-columns: repeat(auto-fit,minmax(200px,1fr)); gap:20px; max-width:var(--max-width); margin:0 auto; padding:0 20px; }
.footer-col h3, .footer-col h4 { color: var(--gold); margin-bottom:10px; }
.footer-col p, .footer-col ul { color: rgba(255,255,255,0.92); font-size:0.95rem; }
.footer-bottom { text-align:center; padding-top:12px; color:rgba(255,255,255,0.7); border-top: 1px solid rgba(255,255,255,0.06); margin-top:20px; }

/* ---------- UTILITIES ---------- */
.center { text-align:center; }
.small { font-size:0.9rem; color:var(--muted); }
.shadow-sm { box-shadow:var(--shadow-sm); }
.round { border-radius:999px; }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1100px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .hero h1 { font-size:2.2rem; }
  .emi-calculator { grid-template-columns: 1fr; }
  .cibil-hero-content { flex-direction:column; padding: 0 20px; }
  .logo img { height:44px; }
}
@media (max-width: 720px) {
  .services-grid { grid-template-columns: 1fr; gap:16px; }
  .nav-links { display:none; }
  .menu-toggle { display:block; }
  .hero { padding:40px 0; min-height:60vh; }
  .hero h1 { font-size:1.8rem; }
  .loan-cards-grid { grid-template-columns: 1fr; }
  .feedback-card { min-width:100%; }
  .blog-image-wrapper-final { height:160px; }
  .stat-item { min-width:120px; }
  .footer-container { padding:0 14px; grid-template-columns: 1fr; }
}

/* ---------- small polish (tiny helpers) ---------- */
input::placeholder { color:#aab3c2; }
button:focus, a:focus, input:focus, textarea:focus { outline:none; box-shadow: 0 6px 20px rgba(3,102,214,0.06); border-color:var(--accent); }
/* ================= FOOTER FIXED ================= */
.footer {
  background: linear-gradient(135deg, #002b5b, #004e92);
  color: #fff;
  padding: 40px 20px;
}

.footer-container {
  max-width: 1200px;
  margin: auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 25px;
}

.footer-col h3,
.footer-col h4 {
  margin-bottom: 15px;
  color: #ffb703;
  font-weight: 600;
}

.footer-col p,
.footer-col ul {
  font-size: 0.95rem;
  line-height: 1.6;
}

.footer-col ul {
  list-style: none;
}

.footer-col ul li a {
  color: #fff;
  text-decoration: none;
  transition: color 0.3s ease;
}

.footer-col ul li a:hover {
  color: #ffb703;
}

/* Contact icons */
.footer-contact p {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
}

.footer-contact img {
  width: 20px;
  height: 20px;
}

/* Social Icons */
.social-links {
  display: flex;
  gap: 15px;
}

.social-links img {
  width: 28px;
  height: 28px;
  transition: transform 0.3s ease;
}

.social-links img:hover {
  transform: scale(1.1);
}

/* Bottom */
.footer-bottom {
  text-align: center;
  margin-top: 25px;
  padding-top: 10px;
  border-top: 1px solid rgba(255, 255, 255, 0.3);
  color: #ddd;
  font-size: 0.9rem;
}

/* Responsive Fix */
@media (max-width: 768px) {
  .footer-container {
    text-align: center;
  }
  .footer-contact p {
    justify-content: center;
  }
  .social-links {
    justify-content: center;
  }
}