/* Rupinow — master stylesheet
   Theme:  Navy #001A4D · Orange #F58600
   Fonts:  Poppins (display) · Inter (body)
   Stack:  Bootstrap 5.3 + custom design system */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600;700;800;900&family=Inter:wght@300;400;500;600;700&display=swap');

/* ------------------------------------------------------------------
   Design Tokens
   ------------------------------------------------------------------ */
:root {
  /* colors */
  --navy:          #001A4D;   /* Rupinow Navy  — Logo, header, footer, trust blocks */
  --navy-dark:     #00113F;   /* Deep Navy     — Footer backgrounds, security zones */
  --navy-mid:      #0B2A66;   /* Royal Navy    — Secondary headings, links, charts */
  --navy-light:    #e8edf7;   /* Navy tint for light surfaces */
  --navy-soft:     rgba(0,26,77,.07);

  --gold:          #F58600;   /* Rupinow Orange — CTA buttons, highlights, arrows */
  --gold-dark:     #D96E00;   /* Action Orange Dark — Hover/pressed states */
  --gold-light:    #FFB347;   /* Lighter orange for dark bg text */
  --gold-grad:     linear-gradient(135deg,#FFB347 0%,#F58600 55%,#D96E00 100%);
  --gold-soft:     rgba(245,134,0,.10);
  --gold-border:   rgba(245,134,0,.28);

  /* accents */
  --amber-light:   #FFE3B6;   /* Soft highlights, info cards */
  --success:       #27AE60;   /* Approval, verification, completion */
  --error:         #E74C3C;   /* Errors, failed states */

  /* neutrals */
  --bg:            #F6F8FC;   /* Interface Grey — Page backgrounds, form areas */
  --surface:       #ffffff;
  --border:        #e1e8f0;
  --text:          #0d1b2a;
  --text-mid:      #2d3e50;
  --muted:         #64748B;   /* Steel Grey — Muted copy, captions, dividers */
  --muted-light:   #94a3b8;

  /* shadows */
  --shadow-xs:    0 1px 3px  rgba(0,26,77,.06);
  --shadow-sm:    0 2px 12px rgba(0,26,77,.09);
  --shadow-md:    0 6px 28px rgba(0,26,77,.13);
  --shadow-lg:    0 16px 56px rgba(0,26,77,.18);
  --shadow-gold:  0 4px 20px rgba(245,134,0,.38);

  /* radius */
  --r-xs:  6px;
  --r-sm:  10px;
  --r:     16px;
  --r-lg:  24px;
  --r-xl:  36px;
  --r-pill:100px;

  /* transitions */
  --t: .22s ease;
  --t-slow: .42s ease;

  /* layout */
  --nav-h:   72px;
  --max-w:   1160px;

  /* type scale */
  --fs-xs:   0.70rem;
  --fs-sm:   0.80rem;
  --fs-base: 0.9375rem;
  --fs-md:   1.0625rem;
  --fs-lg:   1.25rem;
  --fs-xl:   1.5rem;
  --fs-2xl:  clamp(1.6rem, 3.2vw, 2.5rem);
  --fs-3xl:  clamp(2rem,   4.5vw, 3rem);
  --fs-hero: clamp(2.2rem, 5.5vw, 3.6rem);

  /* spacing */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4rem;
  --space-2xl:6rem;
}

/* ------------------------------------------------------------------
   Reset & Base
   ------------------------------------------------------------------ */
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html {
  scroll-behavior:smooth;
  font-size:16px;
  -webkit-text-size-adjust:100%;
  overflow-x:clip;
}
body {
  font-family:'Inter', sans-serif;
  font-size: var(--fs-base);
  font-weight: 400;
  background: var(--bg);
  color: var(--text);
  line-height: 1.68;
  overflow-x: clip;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
a  { color:inherit; text-decoration:none; }
img{ max-width:100%; display:block; }
ul { list-style:none; }
button,input,select,textarea { font-family:inherit; }
h1,h2,h3,h4,h5,h6 {
  font-family:'Poppins', sans-serif;
  font-weight:800;
  line-height:1.18;
  letter-spacing:-0.02em;
  color: var(--navy-dark);
}

/* ------------------------------------------------------------------
   Bootstrap Overrides
   ------------------------------------------------------------------ */
.accordion-button:not(.collapsed){ color:var(--navy-dark); background:var(--navy-light); box-shadow:none; }
.accordion-button:focus           { box-shadow:0 0 0 3px rgba(245,134,0,.22); }
.form-control:focus,.form-select:focus { border-color:var(--gold); box-shadow:0 0 0 3px rgba(245,134,0,.16); }
.form-range::-webkit-slider-thumb { background:var(--gold); }
.form-range::-moz-range-thumb     { background:var(--gold); border-color:var(--gold); }

/* ------------------------------------------------------------------
   Layout
   ------------------------------------------------------------------ */
.of-container{ width:91%; max-width:var(--max-w); margin:0 auto; }
.section     { padding: var(--space-2xl) 0; }
.section-sm  { padding: var(--space-xl)  0; }
.section-xs  { padding: var(--space-lg)  0; }

/* ------------------------------------------------------------------
   Typography
   ------------------------------------------------------------------ */

/* Display / Hero: Poppins ExtraBold */
.t-hero {
  font-family:'Poppins', sans-serif;
  font-size: var(--fs-hero);
  font-weight:800;
  line-height:1.12;
  letter-spacing:-0.03em;
  color: var(--navy-dark);
}
.t-h1 {
  font-family:'Poppins', sans-serif;
  font-size: var(--fs-3xl);
  font-weight:800;
  line-height:1.14;
  letter-spacing:-0.025em;
}
.t-h2, .section-title {
  font-family:'Poppins', sans-serif;
  font-size: var(--fs-2xl);
  font-weight:700;
  line-height:1.16;
  letter-spacing:-0.022em;
  color: var(--navy-dark);
  margin-bottom:0.75rem;
}
.t-h3 {
  font-family:'Poppins', sans-serif;
  font-size: var(--fs-xl);
  font-weight:700;
  line-height:1.22;
  letter-spacing:-0.018em;
}
.t-h4 {
  font-family:'Poppins', sans-serif;
  font-size: var(--fs-lg);
  font-weight:700;
  line-height:1.28;
  letter-spacing:-0.014em;
}
.t-h5 {
  font-family:'Poppins', sans-serif;
  font-size: var(--fs-md);
  font-weight:700;
  line-height:1.32;
  letter-spacing:-0.01em;
}

/* Body text: Inter */
.t-lead    { font-size:var(--fs-md);  color:var(--text-mid); line-height:1.72; font-weight:400; }
.t-body    { font-size:var(--fs-base);color:var(--text-mid); line-height:1.7;  }
.t-sm      { font-size:var(--fs-sm);  color:var(--muted);    line-height:1.65; }
.t-xs      { font-size:var(--fs-xs);  color:var(--muted);    line-height:1.55; }

.section-sub {
  font-size: clamp(0.9rem, 2vw, 1.04rem);
  color: var(--muted);
  line-height: 1.75;
  max-width: 560px;
  font-weight: 400;
}

/* Decorative */
.tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: 'Inter', sans-serif;
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: var(--gold-soft);
  border: 1px solid var(--gold-border);
  padding: 5px 13px;
  border-radius: var(--r-pill);
  margin-bottom: 14px;
}
.grad-text {
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  -webkit-text-fill-color: transparent;
}
.navy-text  { color: var(--navy-dark); }
.gold-text  { color: var(--gold); }
.muted-text { color: var(--muted); }
.orange-bar, .gold-bar {
  height: 4px; width: 52px;
  background: var(--gold-grad);
  border-radius: var(--r-pill);
  margin-bottom: 18px;
}

/* ------------------------------------------------------------------
   Buttons
   ------------------------------------------------------------------ */
.btn-of-primary,
.btn-of-navy,
.btn-of-outline,
.btn-of-outline-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: var(--fs-sm);
  letter-spacing: .02em;
  padding: 13px 28px;
  border-radius: var(--r-pill);
  border: 2px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: transform var(--t), box-shadow var(--t), background var(--t), color var(--t), border-color var(--t);
  text-decoration: none;
  line-height: 1;
}
.btn-of-primary {
  background: var(--gold-grad);
  color: #ffffff !important;
  border-color: transparent;
  box-shadow: var(--shadow-gold);
}
.btn-of-primary:hover  { transform:translateY(-2px); box-shadow:0 8px 28px rgba(245,134,0,.52); }
.btn-of-primary:active { transform:translateY(0); box-shadow:var(--shadow-gold); }

.btn-of-navy {
  background: var(--navy);
  color: #fff !important;
  border-color: transparent;
  box-shadow: 0 4px 18px rgba(0,26,77,.3);
}
.btn-of-navy:hover  { transform:translateY(-2px); background:var(--navy-mid); box-shadow:0 8px 28px rgba(0,26,77,.38); }
.btn-of-navy:active { transform:translateY(0); }

.btn-of-outline {
  background: transparent;
  color: var(--navy) !important;
  border-color: var(--navy);
}
.btn-of-outline:hover { background:var(--navy); color:#fff !important; }

.btn-of-outline-white {
  background: transparent;
  color: #fff !important;
  border-color: rgba(255,255,255,.45);
}
.btn-of-outline-white:hover { background:rgba(255,255,255,.12); border-color:#fff; }

/* Size variants */
.btn-lg { padding:15px 34px; font-size:var(--fs-base); }
.btn-sm { padding:9px 20px;  font-size:var(--fs-xs); }

/* ------------------------------------------------------------------
   Navbar
   ------------------------------------------------------------------ */
#of-nav {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 1000;
  height: var(--nav-h);
  background: var(--navy-dark);
  box-shadow: 0 2px 24px rgba(0,0,0,.22);
  transition: background var(--t), box-shadow var(--t);
}
#of-nav.scrolled {
  background: rgba(0,17,63,.97);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 2px 32px rgba(0,0,0,.32);
}
.of-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

/* Brand lockup */
.of-nav-logo { display:flex; align-items:center; gap:10px; text-decoration:none; }
.public-logo-wrap {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #ffffff;
  border-radius: 14px;
  padding: 6px 10px;
  height: 58px;
}
.public-logo-img {
  height: 44px;
  width: auto;
  max-width: 190px;
  object-fit: contain;
  display: block;
}
@media (max-width: 640px) {
  .public-logo-wrap {
    height: 50px;
    padding: 5px 8px;
  }

  .public-logo-img {
    height: 38px;
    max-width: 160px;
  }
}
.of-nav-brand {
  display: flex;
  flex-direction: column;
  line-height:1;
}
.of-nav-brand .brand-name {
  font-family:'Poppins', sans-serif;
  font-weight:800;
  font-size:1.25rem;
  letter-spacing:-0.04em;
  color:#fff;
  line-height:1;
}
.of-nav-brand .brand-name .brand-now { color: var(--gold); }
.of-nav-brand .brand-sub {
  font-family:'Inter', sans-serif;
  font-size:.60rem;
  font-weight:600;
  letter-spacing:.08em;
  text-transform:uppercase;
  color: var(--gold-light);
  margin-top:3px;
  opacity: 0.85;
}

/* Desktop links */
.of-nav-links { display:flex; gap:2px; align-items:center; }
.of-nav-links a {
  font-family:'Inter', sans-serif;
  font-size:.84rem;
  font-weight:500;
  color: rgba(255,255,255,.7);
  padding: 7px 13px;
  border-radius: var(--r-sm);
  transition: color var(--t), background var(--t);
  position: relative;
  letter-spacing:.01em;
}
.of-nav-links a::after {
  content:'';
  position:absolute;
  bottom:4px; left:50%;
  transform:translateX(-50%);
  width:0; height:2px;
  background:var(--gold);
  border-radius:2px;
  transition:width var(--t);
}
.of-nav-links a:hover,
.of-nav-links a.of-active { color:#fff; }
.of-nav-links a:hover::after,
.of-nav-links a.of-active::after { width:55%; }

/* Apply CTA in nav */
.of-nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.of-nav-dashboard-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: transparent;
  color: #8BB4FF !important;
  border: 2px solid #6EA8FF;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: .82rem;
  letter-spacing: .02em;
  padding: 7px 18px;
  border-radius: var(--r-pill);
  transition: transform var(--t), box-shadow var(--t), background var(--t), color var(--t), border-color var(--t);
  text-decoration: none;
  white-space: nowrap;
}
.of-nav-dashboard-cta:hover {
  transform: translateY(-2px);
  background: #1E3AAE;
  border-color: #1E3AAE;
  color: #fff !important;
  box-shadow: 0 6px 24px rgba(30, 58, 174, .45);
}

.of-nav-cta {
  display:inline-flex;
  align-items:center;
  gap:6px;
  background: var(--gold-grad);
  color: #ffffff !important;
  font-family:'Poppins', sans-serif;
  font-weight:700;
  font-size:.82rem;
  letter-spacing:.02em;
  padding:9px 20px;
  border-radius:var(--r-pill);
  box-shadow:var(--shadow-gold);
  transition:transform var(--t), box-shadow var(--t);
  text-decoration:none;
  white-space:nowrap;
}
.of-nav-cta:hover { transform:translateY(-2px); box-shadow:0 6px 24px rgba(245,134,0,.55); }

/* Hamburger */
.of-hamburger {
  display:none;
  flex-direction:column;
  gap:5px;
  cursor:pointer;
  padding:7px;
  background:none;
  border:none;
  border-radius:var(--r-sm);
  transition:background var(--t);
}
.of-hamburger:hover { background:rgba(255,255,255,.08); }
.of-hamburger span {
  display:block; width:23px; height:2px;
  background:#fff; border-radius:2px;
  transition:transform .3s, opacity .3s;
}
.of-hamburger.open span:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.of-hamburger.open span:nth-child(2){ opacity:0; }
.of-hamburger.open span:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.of-mobile-menu {
  display:none;
  position:fixed;
  top:var(--nav-h); left:0; right:0;
  background:rgba(0,17,63,.98);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  padding:16px 5% 24px;
  z-index:990;
  border-top:1px solid rgba(255,255,255,.07);
  box-shadow:0 12px 36px rgba(0,0,0,.28);
  max-height:calc(100vh - var(--nav-h));
  overflow-y:auto;
}
.of-mobile-menu.open { display:block; animation:mMenuIn .22s ease; }
@keyframes mMenuIn { from{opacity:0;transform:translateY(-8px)} to{opacity:1;transform:translateY(0)} }
.of-mobile-menu ul  { display:flex; flex-direction:column; gap:2px; margin-bottom:14px; }
.of-mobile-menu ul a {
  display:flex; align-items:center; gap:10px;
  padding:12px 14px;
  color:rgba(255,255,255,.75);
  font-size:.94rem;
  font-weight:500;
  border-radius:var(--r-sm);
  transition:background var(--t), color var(--t);
}
.of-mobile-menu ul a:hover,
.of-mobile-menu ul a.of-active { background:rgba(255,255,255,.08); color:#fff; }

.of-mobile-menu-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.of-mobile-menu-actions .of-nav-dashboard-cta,
.of-mobile-menu-actions .of-nav-cta {
  display: inline-flex;
  flex: 1 1 calc(50% - 5px);
  justify-content: center;
  min-width: 140px;
  margin-top: 0;
}

@media (max-width: 479.98px) {
  .of-mobile-menu-actions {
    flex-direction: column;
  }
  .of-mobile-menu-actions .of-nav-dashboard-cta,
  .of-mobile-menu-actions .of-nav-cta {
    flex: 1 1 auto;
    width: 100%;
  }
}

/* ------------------------------------------------------------------
   Page Hero  (inner pages)
   ------------------------------------------------------------------ */
.of-page-hero {
  background:linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 58%, var(--navy-mid) 100%);
  padding: calc(var(--nav-h) + 52px) 0 56px;
  position:relative; overflow:hidden;
}
.of-page-hero::before {
  content:'';
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(245,134,0,.05) 1px,transparent 1px),
    linear-gradient(90deg,rgba(245,134,0,.05) 1px,transparent 1px);
  background-size:60px 60px;
  pointer-events:none;
}
.of-page-hero::after {
  content:'';
  position:absolute;
  width:500px; height:500px;
  border-radius:50%;
  background:radial-gradient(circle, rgba(245,134,0,.18) 0%, transparent 68%);
  top:-160px; right:-100px;
  pointer-events:none;
}
.of-page-hero-content { position:relative; z-index:1; }
.of-page-hero h1 {
  font-family:'Poppins', sans-serif;
  font-size:clamp(1.9rem, 4.5vw, 3rem);
  font-weight:800;
  letter-spacing:-0.025em;
  color:#fff;
  margin-bottom:12px;
  line-height:1.14;
}
.of-page-hero p { color:rgba(255,255,255,.68); font-size:clamp(.94rem, 2vw, 1.06rem); max-width:620px; line-height:1.72; }

.of-breadcrumb {
  display:flex; align-items:center; gap:7px;
  margin-bottom:18px; font-size:var(--fs-xs);
  color:rgba(255,255,255,.4);
}
.of-breadcrumb a { color:rgba(255,255,255,.54); transition:color var(--t); }
.of-breadcrumb a:hover { color:var(--gold); }
.of-breadcrumb .sep { color:rgba(255,255,255,.28); font-size:.65rem; }
.of-breadcrumb .cur { color:var(--gold); font-weight:600; }

/* ------------------------------------------------------------------
   Cards
   ------------------------------------------------------------------ */
.of-card {
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:28px;
  box-shadow:var(--shadow-sm);
  transition:transform var(--t), box-shadow var(--t), border-color var(--t);
  height:100%;
}
.of-card:hover {
  transform:translateY(-5px);
  box-shadow:var(--shadow-md);
  border-color:var(--gold-border);
}
.of-card-icon {
  width:52px; height:52px;
  border-radius:var(--r-sm);
  display:flex; align-items:center; justify-content:center;
  font-size:1.3rem; margin-bottom:16px;
  flex-shrink:0;
}
.of-card-icon.gold  { background:var(--gold-soft);  border:1px solid var(--gold-border); color:var(--gold-dark); }
.of-card-icon.navy  { background:var(--navy-light); border:1px solid rgba(0,26,77,.14); color:var(--navy); }
.of-card h3 {
  font-family:'Poppins', sans-serif; font-size:1.02rem; font-weight:700;
  color:var(--navy-dark); margin-bottom:8px; letter-spacing:-0.01em;
}
.of-card p  { font-size:.86rem; color:var(--muted); line-height:1.65; }

/* Stat card */
.of-stat-card {
  background:var(--surface); border:1px solid var(--border);
  border-radius:var(--r); padding:22px 24px;
  box-shadow:var(--shadow-sm); text-align:center;
}
.of-stat-num {
  font-family:'Poppins', sans-serif; font-size:clamp(1.7rem,3vw,2.2rem);
  font-weight:800; color:var(--navy-dark); line-height:1; margin-bottom:6px;
  letter-spacing:-0.03em;
}
.of-stat-num span { color:var(--gold); }
.of-stat-label { font-size:var(--fs-xs); color:var(--muted); font-weight:600; letter-spacing:.04em; text-transform:uppercase; }

/* ------------------------------------------------------------------
   Trust Bar
   ------------------------------------------------------------------ */
.of-trust-bar {
  background:var(--surface);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:16px 0;
}
.of-trust-items {
  display:flex; align-items:center;
  justify-content:center; gap:32px; flex-wrap:wrap;
}
.of-trust-item {
  display:flex; align-items:center; gap:8px;
  font-size:var(--fs-xs); font-weight:600; color:var(--text-mid);
  white-space:nowrap;
}
.of-trust-item .ti-icon {
  width:30px; height:30px; border-radius:var(--r-xs);
  background:var(--navy-light);
  display:flex; align-items:center; justify-content:center;
  font-size:.9rem; flex-shrink:0;
}

/* ------------------------------------------------------------------
   Loan Highlight Bar
   ------------------------------------------------------------------ */
.of-loan-bar {
  background:linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
  border-radius:var(--r-lg);
  padding:28px 36px;
  display:flex; align-items:center;
  justify-content:space-between; gap:20px; flex-wrap:wrap;
}
.of-loan-bar-item { text-align:center; flex:1; min-width:100px; }
.of-loan-bar-item .lbi-val {
  font-family:'Poppins', sans-serif; font-size:clamp(1.2rem,2.5vw,1.55rem);
  font-weight:800; color:var(--gold-light); line-height:1; margin-bottom:5px;
  letter-spacing:-0.02em;
}
.of-loan-bar-item .lbi-label {
  font-size:var(--fs-xs); color:rgba(255,255,255,.48);
  font-weight:600; text-transform:uppercase; letter-spacing:.08em;
}
.of-loan-bar-divider { width:1px; height:44px; background:rgba(255,255,255,.1); flex-shrink:0; }

/* ------------------------------------------------------------------
   How It Works  (steps)
   ------------------------------------------------------------------ */
.c99-steps-row { position:relative; }
.c99-steps-line {
  position:absolute; top:29px; left:calc(12.5% + 29px); right:calc(12.5% + 29px);
  height:2px; background:linear-gradient(90deg, var(--gold-border), var(--gold), var(--gold-border));
  z-index:0;
}
.of-step { text-align:center; position:relative; z-index:1; }
.of-step-num {
  width:58px; height:58px; border-radius:50%;
  background:var(--gold-grad); color:#fff;
  font-family:'Poppins', sans-serif; font-weight:800; font-size:1.05rem;
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 16px; box-shadow:var(--shadow-gold);
  transition:transform var(--t);
}
.of-step:hover .of-step-num { transform:scale(1.1); }
.of-step h4 {
  font-family:'Poppins', sans-serif; font-size:.98rem; font-weight:700;
  color:var(--navy-dark); margin-bottom:8px; letter-spacing:-0.01em;
}
.of-step p { font-size:.84rem; color:var(--muted); line-height:1.65; }

/* ------------------------------------------------------------------
   Hero  (home page)
   ------------------------------------------------------------------ */
.c99-hero {
  min-height: calc(100vh - var(--nav-h));
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-mid) 100%);
  padding: calc(var(--nav-h) + 60px) 0 80px;
  position: relative;
  overflow: hidden;
}
.c99-hero::before {
  content:'';
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(245,134,0,.04) 1px,transparent 1px),
    linear-gradient(90deg,rgba(245,134,0,.04) 1px,transparent 1px);
  background-size:56px 56px;
  pointer-events:none;
}
.c99-hero::after {
  content:'';
  position:absolute;
  width:600px; height:600px; border-radius:50%;
  background:radial-gradient(circle, rgba(245,134,0,.15) 0%, transparent 70%);
  top:-200px; right:-150px; pointer-events:none;
}
.c99-hero-inner { position:relative; z-index:1; }

.c99-hero-h1 {
  font-family:'Poppins', sans-serif;
  font-size:clamp(2rem, 5.5vw, 3.4rem);
  font-weight:800;
  color:#fff;
  line-height:1.12;
  letter-spacing:-0.03em;
  margin-bottom:18px;
}
.c99-hero-h1 .brand { color:var(--gold); }
.c99-hero-sub {
  font-size:clamp(.92rem, 2vw, 1.06rem);
  color:rgba(255,255,255,.72);
  line-height:1.75;
  margin-bottom:28px;
  max-width:540px;
}

.c99-dla-badge {
  display:inline-flex; align-items:center; gap:8px;
  background:rgba(245,134,0,.12); border:1px solid rgba(245,134,0,.3);
  color:var(--gold-light); font-size:.75rem; font-weight:700;
  padding:7px 16px; border-radius:var(--r-pill);
  letter-spacing:.06em; text-transform:uppercase; margin-bottom:20px;
}
.c99-dla-badge .dot {
  width:7px; height:7px; border-radius:50%;
  background:var(--gold); flex-shrink:0;
  animation: dot-pulse 2s ease infinite;
}
@keyframes dot-pulse {
  0%,100%{ opacity:1; transform:scale(1); }
  50%    { opacity:.6; transform:scale(.85); }
}

.c99-proof {
  display:flex; flex-wrap:wrap; gap:20px 28px;
  padding:20px 22px;
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);
  border-radius:var(--r);
  backdrop-filter:blur(6px);
}
.c99-proof-item { display:flex; align-items:center; gap:10px; }
.c99-proof-icon { font-size:1.5rem; }
.c99-proof-val {
  font-family:'Poppins', sans-serif; font-weight:800;
  font-size:1.05rem; color:#fff; line-height:1;
}
.c99-proof-lbl { font-size:.7rem; color:rgba(255,255,255,.5); font-weight:500; margin-top:2px; }

.c99-elig-wrap { position:relative; }
.c99-elig-inner {
  background:rgba(255,255,255,.97);
  border-radius:var(--r-lg);
  padding:32px;
  box-shadow:0 20px 60px rgba(0,0,0,.3);
  border:1px solid rgba(255,255,255,.6);
}
.c99-elig-title {
  font-family:'Poppins', sans-serif; font-weight:700; font-size:1.15rem;
  color:var(--navy-dark); margin-bottom:4px;
}
.c99-elig-sub { font-size:.82rem; color:var(--muted); margin-bottom:20px; }

.c99-powered-ribbon {
  display:inline-flex; align-items:center; gap:8px;
  background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14);
  color:rgba(255,255,255,.6); font-size:.74rem; font-weight:600;
  padding:8px 18px; border-radius:var(--r-pill); letter-spacing:.04em;
}
.c99-powered-ribbon a { color:var(--gold-light); font-weight:700; }
.c99-powered-ribbon i { color:var(--gold); }

/* ------------------------------------------------------------------
   Eligibility Widget
   ------------------------------------------------------------------ */
.of-eligibility-card {
  background:var(--surface); border-radius:var(--r-lg);
  padding:32px 36px; box-shadow:var(--shadow-lg); border:1px solid var(--border);
}
.of-elig-result {
  display:none; margin-top:20px; padding:18px 22px;
  border-radius:var(--r-sm); font-weight:600; font-size:.9rem;
  animation:fadeInUp .3s ease;
}
.of-elig-result.eligible   { background:#f0fdf4; border:1px solid #86efac; color:#15803d; display:block; }
.of-elig-result.ineligible { background:#fff7ed; border:1px solid #fdba74; color:#c2410c; display:block; }

/* ------------------------------------------------------------------
   Testimonials
   ------------------------------------------------------------------ */
.of-testimonial {
  background:var(--surface); border:1px solid var(--border);
  border-radius:var(--r); padding:26px; box-shadow:var(--shadow-sm);
  height:100%; position:relative;
}
.of-testimonial::before {
  content:'\201C';
  font-family:Georgia,serif; font-size:5rem;
  color:var(--gold-soft); position:absolute;
  top:-4px; left:18px; line-height:1; pointer-events:none;
}
.of-stars { color:var(--gold); font-size:.88rem; margin-bottom:12px; letter-spacing:2px; }
.of-testimonial-text { font-size:.88rem; color:var(--text-mid); line-height:1.72; margin-bottom:16px; font-style:italic; }
.of-testimonial-author { display:flex; align-items:center; gap:11px; }
.of-author-avatar {
  width:40px; height:40px; border-radius:50%;
  background:var(--navy-light);
  display:flex; align-items:center; justify-content:center;
  font-weight:700; font-size:.88rem; color:var(--navy); flex-shrink:0;
  border:2px solid var(--gold-border);
}
.of-author-name { font-weight:700; font-size:.86rem; color:var(--navy-dark); }
.of-author-city { font-size:var(--fs-xs); color:var(--muted); }

/* ------------------------------------------------------------------
   FAQ Accordion
   ------------------------------------------------------------------ */
.of-faq-item {
  border:1px solid var(--border); border-radius:var(--r) !important;
  margin-bottom:8px; overflow:hidden;
  transition:box-shadow var(--t), border-color var(--t);
}
.of-faq-item:hover { border-color:var(--gold-border); box-shadow:var(--shadow-sm); }
.of-faq-btn {
  width:100%; text-align:left; background:var(--surface);
  border:none; padding:17px 20px;
  font-weight:600; font-size:.92rem; color:var(--navy-dark);
  display:flex; align-items:center; justify-content:space-between;
  cursor:pointer; transition:background var(--t); gap:12px; line-height:1.4;
  letter-spacing:-0.01em; font-family:'Inter', sans-serif;
}
.of-faq-btn:hover  { background:var(--navy-light); }
.of-faq-btn.active { background:var(--navy-light); color:var(--navy); }
.of-faq-btn .faq-icon {
  width:24px; height:24px; border-radius:50%;
  background:var(--gold-soft); border:1px solid var(--gold-border);
  display:flex; align-items:center; justify-content:center;
  font-size:.8rem; flex-shrink:0;
  transition:transform var(--t), background var(--t);
  color:var(--gold-dark);
}
.of-faq-btn.active .faq-icon { transform:rotate(45deg); background:var(--gold); color:#fff; }
.of-faq-body {
  max-height:0; overflow:hidden;
  transition:max-height .36s ease, padding .26s ease;
  background:var(--surface); padding:0 20px;
}
.of-faq-body.open { max-height:400px; padding:0 20px 18px; }
.of-faq-body p { font-size:.87rem; color:var(--text-mid); line-height:1.72; }

/* ------------------------------------------------------------------
   Footer
   ------------------------------------------------------------------ */
#of-footer { background:var(--navy-dark); color:rgba(255,255,255,.8); }
.of-footer-top {
  padding:60px 0 44px;
  display:grid; grid-template-columns:1.65fr 1fr 1fr 1fr;
  gap:40px; border-bottom:1px solid rgba(255,255,255,.07);
}
.of-footer-logo { margin-bottom:14px; }
.of-footer-logo img { height:52px; width:auto; object-fit:contain; border-radius:8px; }
.of-footer-brand {
  font-family:'Poppins', sans-serif; font-size:1.15rem; font-weight:800;
  letter-spacing:-0.03em; color:#fff; margin-bottom:4px;
}
.of-footer-brand .fn-now { color:var(--gold); }
.of-footer-powered {
  font-size:.72rem; font-weight:600; letter-spacing:.06em;
  text-transform:uppercase; color:var(--gold-light); margin-bottom:10px;
}
.of-footer-tagline { font-size:.82rem; color:rgba(255,255,255,.44); line-height:1.7; max-width:270px; }
.of-nbfc-badge {
  display:inline-flex; align-items:center; gap:7px;
  background:rgba(245,134,0,.1); border:1px solid rgba(245,134,0,.24);
  color:var(--gold-light); font-size:.7rem; font-weight:600;
  padding:7px 13px; border-radius:var(--r-xs); margin-top:14px; letter-spacing:.04em;
}
.of-footer-col h4 {
  font-family:'Inter', sans-serif;
  font-size:.7rem; font-weight:700; text-transform:uppercase;
  letter-spacing:.13em; color:rgba(255,255,255,.3); margin-bottom:16px;
}
.of-footer-col ul { display:flex; flex-direction:column; gap:9px; }
.of-footer-col ul li a {
  font-size:.83rem; color:rgba(255,255,255,.52);
  transition:color var(--t), padding-left var(--t); display:inline-block;
}
.of-footer-col ul li a:hover { color:var(--gold-light); padding-left:4px; }
.of-footer-social { display:flex; gap:8px; margin-top:16px; }
.of-social-btn {
  width:34px; height:34px; border-radius:var(--r-xs);
  background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.09);
  display:flex; align-items:center; justify-content:center;
  font-size:.88rem; color:rgba(255,255,255,.55);
  transition:background var(--t), color var(--t), border-color var(--t); cursor:pointer;
}
.of-social-btn:hover { background:var(--gold); color:#fff; border-color:var(--gold); }
.of-footer-disclaimer {
  background:rgba(245,134,0,.06); border:1px solid rgba(245,134,0,.14);
  border-radius:var(--r-xs); padding:13px 17px; margin-bottom:0;
  font-size:.72rem; color:rgba(255,255,255,.38); line-height:1.65;
}
.of-footer-disclaimer strong { color:rgba(255,255,255,.62); }
.of-footer-disclaimer a { color:var(--gold-light); }
.of-footer-bottom {
  padding:20px 0; display:flex; justify-content:space-between;
  align-items:center; flex-wrap:wrap; gap:10px;
}
.of-footer-bottom p { font-size:.73rem; color:rgba(255,255,255,.34); }
.of-footer-bottom a { color:var(--gold-light); }
.of-footer-links { display:flex; gap:16px; flex-wrap:wrap; }
.of-footer-links a { font-size:.73rem; color:rgba(255,255,255,.38); transition:color var(--t); }
.of-footer-links a:hover { color:var(--gold-light); }

/* ------------------------------------------------------------------
   Pills & Badges
   ------------------------------------------------------------------ */
.of-pill {
  display:inline-flex; align-items:center; gap:5px;
  padding:4px 11px; border-radius:var(--r-pill);
  font-size:var(--fs-xs); font-weight:600; white-space:nowrap;
}
.of-pill.navy  { background:var(--navy-light); color:var(--navy); }
.of-pill.gold  { background:var(--gold-soft);  color:var(--gold-dark); border:1px solid var(--gold-border); }
.of-pill.green { background:#f0fdf4; color:#15803d; border:1px solid #86efac; }

/* ------------------------------------------------------------------
   Form Elements
   ------------------------------------------------------------------ */
.of-form-label {
  font-size:.8rem; font-weight:700; color:var(--navy-dark);
  margin-bottom:6px; display:block; letter-spacing:.01em;
}
.of-form-control {
  width:100%; padding:11px 15px;
  border:1.5px solid var(--border); border-radius:var(--r-sm);
  font-size:.9rem; color:var(--text); background:var(--surface);
  transition:border-color var(--t), box-shadow var(--t); outline:none;
  font-family:inherit; line-height:1.5;
}
.of-form-control::placeholder { color:var(--muted-light); }
.of-form-control:focus { border-color:var(--gold); box-shadow:0 0 0 3px rgba(245,134,0,.16); }
.of-form-control.error { border-color:#ef4444; box-shadow:0 0 0 3px rgba(239,68,68,.12); }
.of-form-error { font-size:var(--fs-xs); color:#ef4444; margin-top:4px; display:none; }
.of-form-error.show { display:block; }

/* Range slider */
.of-range {
  -webkit-appearance:none; width:100%; height:6px;
  border-radius:3px; background:var(--border); outline:none; cursor:pointer;
}
.of-range::-webkit-slider-thumb {
  -webkit-appearance:none; width:22px; height:22px;
  border-radius:50%; background:var(--gold);
  border:3px solid #fff; box-shadow:0 2px 8px rgba(245,134,0,.4); cursor:pointer;
}
.of-range::-moz-range-thumb {
  width:22px; height:22px; border-radius:50%; background:var(--gold);
  border:3px solid #fff; box-shadow:0 2px 8px rgba(245,134,0,.4); cursor:pointer;
}

/* ------------------------------------------------------------------
   EMI Calculator
   ------------------------------------------------------------------ */
.of-emi-result-box {
  background:linear-gradient(135deg, var(--navy-dark), var(--navy));
  border-radius:var(--r-lg); padding:28px; color:#fff;
}
.of-emi-result-box .emi-label { font-size:var(--fs-xs); color:rgba(255,255,255,.48); text-transform:uppercase; letter-spacing:.1em; margin-bottom:4px; }
.of-emi-result-box .emi-value {
  font-family:'Poppins', sans-serif; font-size:clamp(1.8rem,3.5vw,2.4rem);
  font-weight:800; color:var(--gold-light); line-height:1.1; letter-spacing:-0.03em;
}
.of-emi-result-box .emi-sub { font-size:var(--fs-xs); color:rgba(255,255,255,.45); margin-top:5px; }
.of-emi-breakdown { display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-top:18px; }
.of-emi-breakdown-item {
  background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.1);
  border-radius:var(--r-sm); padding:12px 14px;
}
.of-emi-breakdown-item .b-label { font-size:var(--fs-xs); color:rgba(255,255,255,.42); margin-bottom:4px; }
.of-emi-breakdown-item .b-value { font-size:1.08rem; font-weight:700; color:#fff; letter-spacing:-0.01em; }

/* ------------------------------------------------------------------
   Utilities & Misc
   ------------------------------------------------------------------ */
.divider { height:1px; background:var(--border); }
.bg-white      { background:#fff; }
.bg-navy-dark  { background:var(--navy-dark); }
.bg-navy-light { background:var(--navy-light); }

/* Timeline */
.of-timeline { position:relative; }
.of-timeline::before {
  content:''; position:absolute; left:19px; top:0; bottom:0;
  width:2px; background:linear-gradient(to bottom,var(--gold),var(--gold-border));
}
.of-timeline-item { display:flex; gap:18px; position:relative; margin-bottom:26px; }
.of-timeline-item:last-child { margin-bottom:0; }
.of-tl-dot {
  width:38px; height:38px; border-radius:50%; background:var(--gold-grad);
  display:flex; align-items:center; justify-content:center;
  font-size:.82rem; color:#fff; font-weight:700;
  flex-shrink:0; box-shadow:var(--shadow-gold); z-index:1;
}
.of-tl-content { padding-top:6px; }
.of-tl-content h5 { font-family:'Poppins', sans-serif; font-size:.94rem; font-weight:700; color:var(--navy-dark); margin-bottom:4px; }
.of-tl-content p  { font-size:.83rem; color:var(--muted); line-height:1.65; }

/* Back to top */
.of-back-top {
  position:fixed; bottom:24px; right:24px;
  width:42px; height:42px; border-radius:50%;
  background:var(--gold-grad); color:#fff;
  display:flex; align-items:center; justify-content:center;
  font-size:.95rem; box-shadow:var(--shadow-gold);
  cursor:pointer; border:none;
  opacity:0; visibility:hidden; transform:translateY(10px);
  transition:opacity var(--t), visibility var(--t), transform var(--t); z-index:800;
}
.of-back-top.show { opacity:1; visibility:visible; transform:translateY(0); }
.of-back-top:hover { transform:translateY(-3px); }

/* Animations */
@keyframes fadeInUp { from{opacity:0;transform:translateY(18px)} to{opacity:1;transform:translateY(0)} }
@keyframes pulse-gold {
  0%,100%{ box-shadow:0 0 0 0 rgba(245,134,0,.45); }
  50%    { box-shadow:0 0 0 14px rgba(245,134,0,0);  }
}
.pulse-gold { animation:pulse-gold 2.2s ease infinite; }

/* Scroll animations */
[data-anim],[data-anim-left],[data-anim-right] {
  opacity:0; transition:opacity .62s ease, transform .62s ease;
}
[data-anim]       { transform:translateY(22px); }
[data-anim-left]  { transform:translateX(-22px); }
[data-anim-right] { transform:translateX(22px);  }
[data-anim].is-visible,
[data-anim-left].is-visible,
[data-anim-right].is-visible { opacity:1; transform:translate(0); }
[data-delay="1"] { transition-delay:.1s; }
[data-delay="2"] { transition-delay:.2s; }
[data-delay="3"] { transition-delay:.3s; }
[data-delay="4"] { transition-delay:.4s; }
[data-delay="5"] { transition-delay:.5s; }

/* ------------------------------------------------------------------
   Responsive
   ------------------------------------------------------------------ */

/* XL 1200–1399px */
@media (max-width:1399.98px) {
  .of-footer-top { grid-template-columns:1.5fr 1fr 1fr 1fr; gap:32px; }
}

/* LG 992–1199px */
@media (max-width:1199.98px) {
  :root { --space-2xl:4.5rem; --space-xl:3rem; }
  .section { padding:var(--space-2xl) 0; }
  .of-footer-top { grid-template-columns:1.3fr 1fr 1fr 1fr; gap:28px; }
}

/* MD 768–991px (Tablets) */
@media (max-width:991.98px) {
  :root { --space-2xl:3.5rem; --space-xl:2.5rem; --nav-h:68px; }
  .of-nav-links,.of-nav-actions .of-nav-cta,.of-nav-actions .of-nav-dashboard-cta { display:none; }
  .of-hamburger { display:flex; }
  .of-footer-top { grid-template-columns:1fr 1fr; gap:32px; }
  .of-loan-bar { flex-direction:row; flex-wrap:wrap; padding:22px 26px; }
  .of-loan-bar-item { min-width:calc(50% - 10px); }
  .of-loan-bar-divider { display:none; }
  .of-emi-breakdown { grid-template-columns:1fr 1fr; }
  .section-sub { font-size:.96rem; }
}

/* SM 576–767px (Large Phones) */
@media (max-width:767.98px) {
  :root { --space-2xl:3rem; --space-xl:2rem; --space-lg:1.75rem; --nav-h:64px; }
  .section    { padding:var(--space-2xl) 0; }
  .section-sm { padding:var(--space-xl) 0; }
  .section-xs { padding:var(--space-lg) 0; }
  .of-container { width:93%; }
  .row {
    margin-left: 0;
    margin-right: 0;
  }
  .row > * {
    padding-left: 0.55rem;
    padding-right: 0.55rem;
  }
  .of-footer-top { grid-template-columns:1fr; gap:28px; }
  .of-footer-bottom { flex-direction:column; text-align:center; align-items:center; }
  .of-footer-links { justify-content:center; gap:12px; }
  .of-trust-items { gap:18px; }
  .of-loan-bar { padding:20px 18px; gap:14px; }
  .of-loan-bar-item { min-width:calc(50% - 7px); }
  .of-eligibility-card { padding:24px 18px; }
  .of-emi-result-box { padding:22px 18px; }
  .btn-of-primary,.btn-of-navy,.btn-of-outline,.btn-of-outline-white {
    padding:12px 22px; font-size:.82rem;
  }
  .of-back-top { bottom:18px; right:18px; width:38px; height:38px; font-size:.85rem; }

  /* Prevent pre-scroll animation offsets from causing horizontal overflow */
  [data-anim-left],
  [data-anim-right] {
    transform: translateY(16px);
  }
}

/* XS max 575px (Small Phones) */
@media (max-width:575.98px) {
  :root { --space-2xl:2.4rem; --space-xl:1.75rem; --nav-h:60px; }
  .of-container { width:94%; }
  .of-trust-items { flex-direction:column; align-items:flex-start; gap:12px; }
  .of-loan-bar { flex-direction:column; align-items:flex-start; gap:12px; padding:18px; }
  .of-loan-bar-item { min-width:100%; text-align:left; }
  .of-loan-bar-item .lbi-val { font-size:1.2rem; }
  .of-emi-breakdown { grid-template-columns:1fr; gap:8px; }
  .of-step-num { width:50px; height:50px; font-size:.96rem; }
  .of-stat-num { font-size:1.7rem; }
  .section-title { letter-spacing:-0.02em; }
  .tag { font-size:.64rem; padding:4px 11px; }
  .of-card { padding:20px 18px; }
  .of-eligibility-card { padding:20px 16px; }
  .of-emi-result-box { padding:18px 14px; }
  .of-footer-top { gap:22px; }
  .of-footer-col h4 { margin-bottom:12px; }
}

/* Very small (< 380px) */
@media (max-width:379.98px) {
  :root { --nav-h:58px; }
  .of-container { width:95%; }
  .of-nav-brand .brand-name { font-size:1rem; }
  .of-nav-actions .of-nav-cta,.of-nav-actions .of-nav-dashboard-cta { display:none !important; }
  .of-loan-bar-item .lbi-val { font-size:1.1rem; }
}

/* ------------------------------------------------------------------
   Contact Form
   ------------------------------------------------------------------ */

/* form card */
.cf-form-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px;
  box-shadow: var(--shadow-md);
}

/* form header */
.cf-form-header {
  display: flex; align-items: center; gap: 14px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 24px;
}
.cf-form-header-icon {
  width: 46px; height: 46px; border-radius: var(--r-sm);
  background: var(--gold-soft); border: 1px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem; color: var(--gold-dark); flex-shrink: 0;
}
.cf-form-header-title {
  font-family: 'Poppins', sans-serif; font-weight: 700;
  font-size: 1rem; color: var(--navy-dark); line-height: 1.2;
}
.cf-form-header-sub {
  font-size: .76rem; color: var(--muted); margin-top: 3px;
}

/* required mark */
.cf-required { color: #ef4444; font-weight: 700; margin-left: 2px; }

/* icon inputs */
.cf-input-wrap { position: relative; }
.cf-input-icon {
  position: absolute; left: 13px; top: 50%; transform: translateY(-50%);
  font-size: .88rem; color: var(--muted);
  pointer-events: none; z-index: 1;
  transition: color var(--t);
}
.cf-has-icon { padding-left: 38px !important; }
.cf-input-wrap:focus-within .cf-input-icon { color: var(--gold-dark); }

/* custom select arrow */
select.of-form-control {
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 16 16'%3E%3Cpath fill='%2364748B' d='M7.247 11.14 2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px !important;
}

/* query chips */
.cf-query-chips {
  display: flex; flex-wrap: wrap; gap: 8px; margin-top: 4px;
}
.cf-chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 7px 14px;
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--r-pill);
  font-family: 'Inter', sans-serif;
  font-size: .78rem; font-weight: 600; color: var(--text-mid);
  cursor: pointer;
  transition: background var(--t), border-color var(--t), color var(--t), transform var(--t);
  white-space: nowrap;
}
.cf-chip:hover {
  border-color: var(--gold-border);
  background: var(--gold-soft); color: var(--gold-dark);
  transform: translateY(-1px);
}
.cf-chip.active {
  background: var(--gold-soft); border-color: var(--gold);
  color: var(--gold-dark);
  box-shadow: 0 2px 8px rgba(245,134,0,.2);
}

/* success state */
.cf-success-icon {
  width: 68px; height: 68px; border-radius: 50%;
  background: #f0fdf4; border: 2px solid #86efac;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px;
  font-size: 1.9rem; color: #16a34a;
  animation: successPop .4s cubic-bezier(.34,1.56,.64,1) both;
}
@keyframes successPop {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}

/* office hours */
.cf-hours-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-sm);
}
.cf-hours-header {
  display: flex; align-items: center; gap: 12px;
  padding: 16px 20px;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
}
.cf-hours-header-icon {
  width: 38px; height: 38px; border-radius: var(--r-xs);
  background: rgba(245,134,0,.18); border: 1px solid rgba(245,134,0,.3);
  display: flex; align-items: center; justify-content: center;
  font-size: .95rem; color: var(--gold-light); flex-shrink: 0;
}
.cf-hours-title {
  font-family: 'Poppins', sans-serif; font-weight: 700;
  font-size: .96rem; color: #fff; line-height: 1.2;
}
.cf-hours-sub { font-size: .73rem; margin-top: 3px; }
.cf-live-open {
  display: inline-flex; align-items: center; gap: 5px;
  color: #4ade80; font-size: .72rem; font-weight: 600;
}
.cf-live-dot {
  width: 7px; height: 7px; border-radius: 50%; background: #4ade80;
  animation: dot-pulse 1.8s ease infinite;
}
.cf-live-closed { color: rgba(255,255,255,.45); font-size: .72rem; }

.cf-hours-body { padding: 6px 0; }
.cf-hours-row {
  display: grid; grid-template-columns: 1fr auto auto;
  align-items: center; gap: 10px;
  padding: 9px 20px;
  border-bottom: 1px solid var(--border);
  transition: background var(--t);
}
.cf-hours-row:last-child { border-bottom: none; }
.cf-hours-row:hover { background: var(--bg); }
.cf-hours-today { background: var(--gold-soft) !important; }
.cf-hours-today:hover { background: rgba(245,134,0,.12) !important; }
.cf-hours-day {
  display: flex; align-items: center; gap: 8px; min-width: 0;
}
.cf-hours-dayname {
  font-size: .84rem; font-weight: 600; color: var(--navy-dark);
}
.cf-today-badge {
  font-size: .6rem; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; background: var(--gold); color: #fff;
  padding: 2px 8px; border-radius: var(--r-pill);
}
.cf-hours-time {
  font-size: .79rem; color: var(--muted); white-space: nowrap; text-align: center;
}
.cf-hours-status { text-align: right; }
.cf-status-open {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: .71rem; font-weight: 600; color: #15803d;
  background: #f0fdf4; border: 1px solid #86efac;
  padding: 2px 9px; border-radius: var(--r-pill);
}
.cf-status-dot { width: 5px; height: 5px; border-radius: 50%; background: #15803d; }
.cf-status-closed {
  font-size: .71rem; font-weight: 600; color: #b91c1c;
  background: #fee2e2; border: 1px solid #fca5a5;
  padding: 2px 9px; border-radius: var(--r-pill); display: inline-block;
}

/* quick links */
.cf-quick-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-sm);
}
.cf-quick-header {
  display: flex; align-items: center; gap: 8px;
  padding: 14px 20px;
  background: var(--navy-dark);
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: .88rem; color: #fff;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.cf-quick-links { padding: 6px 0; }
.cf-quick-link {
  display: flex; align-items: center; gap: 12px;
  padding: 11px 18px; text-decoration: none;
  border-bottom: 1px solid var(--border);
  transition: background var(--t), padding-left var(--t);
}
.cf-quick-link:last-child { border-bottom: none; }
.cf-quick-link:hover { background: var(--bg); padding-left: 22px; }
.cf-quick-link-icon {
  width: 34px; height: 34px; border-radius: var(--r-xs);
  background: var(--gold-soft); border: 1px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center;
  font-size: .82rem; color: var(--gold-dark); flex-shrink: 0;
  transition: background var(--t), color var(--t), border-color var(--t);
}
.cf-quick-link:hover .cf-quick-link-icon { background: var(--gold); color: #fff; border-color: var(--gold); }
.cf-quick-link-text { display: flex; flex-direction: column; gap: 1px; flex: 1; min-width: 0; }
.cf-ql-title { font-size: .84rem; font-weight: 700; color: var(--navy-dark); }
.cf-ql-sub { font-size: .72rem; color: var(--muted); }
.cf-quick-link-arr {
  font-size: .72rem; color: var(--muted-light); flex-shrink: 0;
  transition: transform var(--t), color var(--t);
}
.cf-quick-link:hover .cf-quick-link-arr { transform: translateX(3px); color: var(--gold-dark); }

/* responsive */
@media (max-width: 991.98px) {
  .cf-form-card { padding: 24px; }
  .cf-query-chips { gap: 6px; }
}
@media (max-width: 767.98px) {
  .cf-form-card { padding: 20px 16px; border-radius: var(--r); }
  .cf-form-header { padding-bottom: 16px; margin-bottom: 16px; }
  .cf-chip { padding: 6px 10px; font-size: .74rem; }

  /* Office hours: show time below day name instead of hiding */
  .cf-hours-row {
    grid-template-columns: 1fr auto;
    grid-template-rows: auto auto;
    row-gap: 2px;
  }
  .cf-hours-day    { grid-column: 1; grid-row: 1; }
  .cf-hours-status { grid-column: 2; grid-row: 1; align-self: start; }
  .cf-hours-time {
    grid-column: 1 / -1; grid-row: 2;
    font-size: .72rem; color: var(--muted-light);
    text-align: left; white-space: normal; display: block;
    padding-top: 0;
  }

  /* Quick links: keep subtitle but make it smaller */
  .cf-ql-sub { font-size: .68rem; }
  .cf-quick-card, .cf-hours-card { border-radius: var(--r); }
}
@media (max-width: 575.98px) {
  .cf-form-header-icon { width: 38px; height: 38px; font-size: .96rem; }
  .cf-hours-row { padding: 8px 14px; }
  .cf-quick-link { padding: 10px 14px; }
  .cf-quick-link:hover { padding-left: 14px; }
  .cf-ql-sub { display: none; } /* hide only on very small screens */
}

/* ------------------------------------------------------------------
   Animations & Polish
   ------------------------------------------------------------------ */

/* scroll progress bar */
#scroll-progress {
  position:fixed; top:0; left:0;
  height:3px;
  background: var(--gold-grad);
  z-index:9999; width:0%;
  transition:width .08s linear;
  pointer-events:none;
  border-radius:0 2px 2px 0;
}

/* hero blobs */
.hero-blob {
  position:absolute; border-radius:50%;
  pointer-events:none;
  background: var(--gold);
  opacity:.055;
  will-change:transform;
}
.hero-blob-1 {
  width:380px; height:380px;
  bottom:-120px; left:-100px;
  animation:blob-rise 12s ease-in-out infinite;
}
.hero-blob-2 {
  width:200px; height:200px;
  top:38%; right:34%;
  animation:blob-rise 15s ease-in-out infinite reverse;
  animation-delay:-5s;
}
.hero-blob-3 {
  width:90px; height:90px;
  top:15%; left:38%;
  animation:blob-rise 9s ease-in-out infinite;
  animation-delay:-2s; opacity:.04;
}
@keyframes blob-rise {
  0%,100%{ transform:translateY(0) scale(1); }
  50%    { transform:translateY(-28px) scale(1.06); }
}

/* hero entrance */
.c99-hero-anim-1 { animation:slideUpFade .65s ease both; animation-delay:.08s; }
.c99-hero-anim-2 { animation:slideUpFade .70s ease both; animation-delay:.22s; }
.c99-hero-anim-3 { animation:slideUpFade .70s ease both; animation-delay:.38s; }
.c99-hero-anim-4 { animation:slideUpFade .65s ease both; animation-delay:.50s; }
.c99-hero-anim-5 { animation:slideUpFade .65s ease both; animation-delay:.65s; }
.c99-hero-anim-6 { animation:slideUpFade .70s ease both; animation-delay:.80s; }
.c99-hero-anim-r { animation:slideRightFade .8s ease both; animation-delay:.35s; }

@keyframes slideUpFade {
  from { opacity:0; transform:translateY(26px); }
  to   { opacity:1; transform:translateY(0); }
}
@keyframes slideRightFade {
  from { opacity:0; transform:translateX(30px); }
  to   { opacity:1; transform:translateX(0); }
}

/* eligibility float */
.c99-elig-float { animation:card-float 7s ease-in-out infinite; }
@keyframes card-float {
  0%,100%{ transform:translateY(0); }
  50%    { transform:translateY(-10px); }
}

/* button shine */
.btn-of-primary { overflow:hidden; position:relative; z-index:0; }
.btn-of-primary::after {
  content:'';
  position:absolute; inset:0;
  background:linear-gradient(105deg, transparent 40%, rgba(255,255,255,.28) 50%, transparent 60%);
  transform:translateX(-100%);
  transition:transform 0s;
  z-index:1; pointer-events:none;
}
.btn-of-primary:hover::after {
  transform:translateX(200%);
  transition:transform .55s ease;
}

/* card hover */
.of-card:hover {
  box-shadow: var(--shadow-md), 0 0 24px rgba(245,134,0,.07);
}

/* testimonial hover */
.of-testimonial {
  transition:transform var(--t), box-shadow var(--t), border-color var(--t);
  cursor:default;
}
.of-testimonial:hover {
  transform:translateY(-5px);
  box-shadow:var(--shadow-md);
  border-color:var(--gold-border);
}

/* step hover */
.of-step:hover .of-step-num {
  transform:scale(1.12);
  box-shadow:0 8px 28px rgba(245,134,0,.55);
}

/* trust item hover */
.of-trust-item { transition:transform var(--t); cursor:default; }
.of-trust-item:hover { transform:translateY(-2px); }
.of-trust-item .ti-icon { transition:background var(--t), border-color var(--t); }
.of-trust-item:hover .ti-icon {
  background:var(--gold-soft);
  border:1px solid var(--gold-border);
}

/* stat card hover */
.of-stat-card { transition:transform var(--t), box-shadow var(--t); }
.of-stat-card:hover { transform:translateY(-3px); box-shadow:var(--shadow-md); }

/* loan bar hover */
.of-loan-bar-item { transition:transform var(--t); }
.of-loan-bar-item:hover { transform:scale(1.04); }

/* emi value badge */
.emi-input-badge {
  background:var(--gold-soft);
  border:1px solid var(--gold-border);
  color:var(--navy-dark);
  font-family:'Poppins', sans-serif;
  font-weight:700; font-size:.88rem;
  padding:5px 14px;
  border-radius:var(--r-pill);
  min-width:90px; text-align:center;
  letter-spacing:-.01em; white-space:nowrap;
  transition:background var(--t), border-color var(--t);
}

/* social links */
.of-social-btn { text-decoration:none; }

/* faq body max-height */
.of-faq-body.open { max-height:600px; }

/* animated gradient text */
.animated-grad {
  background:linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-dark));
  background-size:200% auto;
  -webkit-background-clip:text; background-clip:text;
  color:transparent; -webkit-text-fill-color:transparent;
  animation:grad-sweep 3s linear infinite;
}
@keyframes grad-sweep {
  0%  { background-position:0% center; }
  100%{ background-position:200% center; }
}

/* mobile nav active state */
.of-mobile-menu ul a.of-active {
  background:rgba(245,134,0,.1);
  color:var(--gold-light);
  border-left:3px solid var(--gold);
  padding-left:11px;
}

/* focus rings */
button:focus-visible, a:focus-visible,
input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline:2px solid var(--gold);
  outline-offset:3px;
  border-radius:var(--r-xs);
}

/* amortization totals row */
#amortization-body tr:last-child td { font-weight:700; color:var(--success); }

/* page hero gradient animation */
.of-page-hero {
  background-size:200% 200%;
  animation:hero-grad 10s ease-in-out infinite;
}
@keyframes hero-grad {
  0%,100%{ background-position:0% 50%; }
  50%    { background-position:100% 50%; }
}

/* Mobile hero */

@media (max-width:991.98px) {
  .c99-elig-float { animation:none; }
  .hero-blob-2, .hero-blob-3 { display:none; }
  .c99-hero { padding-bottom:60px; }
}

@media (max-width:767.98px) {
  .c99-hero .d-flex.flex-wrap.gap-3 { flex-direction:column; }
  .c99-hero .d-flex.flex-wrap.gap-3 a { width:100%; justify-content:center; text-align:center; }
  .c99-proof { gap:14px 16px; padding:16px; }
  .c99-proof-val { font-size:.95rem; }
}

@media (max-width:575.98px) {
  .c99-hero-h1 { font-size:clamp(1.7rem,7.5vw,2.2rem); line-height:1.18; }
  .c99-elig-inner { padding:22px 16px; }
  .c99-proof { flex-wrap:wrap; gap:10px 16px; }
  .c99-proof-item { flex:1; min-width:120px; }
  .hero-blob-1 { width:220px; height:220px; bottom:-60px; left:-60px; }
}

/* ------------------------------------------------------------------
   Mobile Polish
   ------------------------------------------------------------------ */

/* touch targets */
button, a, input, select, textarea, .cf-chip, .of-faq-btn {
  -webkit-tap-highlight-color: rgba(245,134,0,.12);
  touch-action: manipulation;        /* remove 300ms tap delay */
}

/* steps — hide connector on mobile */
@media (max-width:767.98px) {
  .c99-steps-line { display:none; }
  .of-step { margin-bottom:20px; }
}

@media (max-width:575.98px) {
  .of-loan-bar { flex-direction:column; gap:10px; padding:18px; }
  .of-loan-bar-item { min-width:100%; display:flex; align-items:center; justify-content:space-between; text-align:left; }
  .of-loan-bar-item .lbi-label { text-align:right; }
}

select.of-form-control:focus { outline:none; }
.of-table-scroll { overflow-x:auto; -webkit-overflow-scrolling:touch; }

@media (max-width:575.98px) {
  #f-consent { width:20px !important; height:20px !important; }
}

input[type="date"].of-form-control { -webkit-appearance:none; font-size:.9rem; }

input[type="number"].of-form-control::-webkit-outer-spin-button,
input[type="number"].of-form-control::-webkit-inner-spin-button { -webkit-appearance:none; margin:0; }
input[type="number"].of-form-control { -moz-appearance:textfield; }

@media (max-width:575.98px) {
  #loan-details .d-flex.flex-wrap.gap-3 { flex-direction:column; }
  #loan-details .d-flex.flex-wrap.gap-3 a,
  #loan-details .d-flex.flex-wrap.gap-3 button { width:100%; justify-content:center; }
}

@media (max-width:479.98px) {
  .of-emi-breakdown { grid-template-columns:1fr; }
  .of-emi-result-box .emi-value { font-size:1.9rem; }
}

@media (max-width:575.98px) {
  .of-card.d-flex { flex-direction:column; gap:10px; }
  .of-card.d-flex .of-card-icon { margin-bottom:0; }
  .of-footer-top { padding-top:36px; padding-bottom:28px; }
  .of-footer-bottom p, .of-footer-links a { font-size:.72rem; }
}

@media (max-height:500px) and (max-width:900px) {
  .c99-hero { min-height:auto; padding-top:calc(var(--nav-h) + 32px); padding-bottom:40px; }
  .of-page-hero { padding-top:calc(var(--nav-h) + 28px); padding-bottom:36px; }
}

@media (max-width:575.98px) {
  #contact-form .section-sub { font-size:.88rem; }
  .cf-form-header-title { font-size:.94rem; }
  .cf-query-chips { gap:5px; }
  .cf-chip { padding:5px 9px; font-size:.72rem; }
}

html, body { overflow-x:hidden; }
section { max-width:100%; }

.of-mobile-menu, .of-faq-body { -webkit-overflow-scrolling:touch; }

.btn-of-primary:active,
.btn-of-navy:active,
.btn-of-outline:active { transform:scale(.97); transition:transform .1s ease; }
.cf-chip:active { transform:scale(.96); }
.cf-quick-link:active { background:var(--gold-soft); }

/* ------------------------------------------------------------------
   Admin login (auth layout)
   ------------------------------------------------------------------ */
.rn-auth-body {
  background: var(--bg);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.rn-auth-main {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 16px 48px;
}

.rn-admin-login-wrap {
  width: 100%;
  max-width: 460px;
}

.rn-admin-login-card {
  background: var(--surface);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  padding: 36px 32px 32px;
}

.rn-admin-login-card .card-title {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(1.35rem, 3vw, 1.55rem);
  font-weight: 800;
  color: var(--navy-dark);
  text-align: center;
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}

.rn-admin-login-card .card-subtitle {
  text-align: center;
  font-size: var(--fs-sm);
  color: var(--muted);
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
}

.rn-admin-login-card .alert {
  border-radius: var(--r-sm);
  font-size: var(--fs-sm);
  border: none;
}

.rn-admin-login-card .alert-danger {
  background: #fef2f2;
  color: #b91c1c;
}

.rn-admin-login-card .alert-success {
  background: #f0fdf4;
  color: #15803d;
}

.rn-admin-login-card .form-group {
  margin-bottom: 18px;
}

.rn-admin-login-card .required-mark {
  color: var(--error);
}

.rn-admin-login-card .btn-login {
  width: 100%;
  margin-top: 8px;
  padding: 14px 28px;
  font-size: var(--fs-base);
}

.rn-admin-login-card #otp {
  letter-spacing: 5px;
  font-weight: 700;
  text-align: center;
}

.rn-admin-login-card .resend-otp {
  color: var(--navy-mid);
  font-size: var(--fs-xs);
  font-weight: 700;
  text-decoration: none;
}

.rn-admin-login-card .resend-otp:hover {
  color: var(--gold-dark);
}

@media (max-width:575.98px) {
  .rn-admin-login-card {
    padding: 28px 20px 24px;
  }
}