:root {
  /* Exact palette from mockup */
  --primary: #0d9488;
  --primary-dark: #0f766e;
  --primary-darker: #115e59;
  --primary-light: #14b8a6;
  --primary-50: #f0fdfa;
  --primary-100: #ccfbf1;
  --primary-200: #99f6e4;

  --navy: #0f172a;
  --navy-light: #1e293b;
  --navy-mid: #334155;

  --text: #1e293b;
  --text-muted: #64748b;
  --text-light: #94a3b8;

  --bg: #ffffff;
  --bg-alt: #f8fafc;
  --bg-soft: #f0fdfa;

  --border: #e2e8f0;
  --border-soft: #f1f5f9;

  --shadow-sm: 0 1px 3px rgba(0,0,0,.06);
  --shadow: 0 4px 12px rgba(0,0,0,.08);
  --shadow-md: 0 8px 24px rgba(0,0,0,.1);
  --shadow-lg: 0 16px 40px rgba(0,0,0,.12);
  --shadow-xl: 0 24px 48px rgba(0,0,0,.16);

  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --radius-full: 9999px;

  --font: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --container: 1180px;
  --topbar-h: 40px;
  --header-h: 68px;
  --transition: .22s ease;
}


*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none;transition:all .2s ease}
ul{list-style:none}
button,input,select{font-family:inherit;font-size:inherit}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}

/* TOP BAR */
.topbar{background:#0b1220;color:#94a3b8;font-size:12.5px;height:38px;display:flex;align-items:center}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;width:100%}
.topbar-left{display:flex;align-items:center;gap:6px}
.topbar-left i{color:#14b8a6;font-size:11px}
.topbar-right{display:flex;align-items:center;gap:16px}
.topbar-right a{color:#cbd5e1;display:inline-flex;align-items:center;gap:5px}
.topbar-right a:hover{color:#fff}
.topbar-right .sep{opacity:.3}

/* HEADER */
.header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid #eef2f7;height:66px}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:100%;gap:16px}
.logo{display:flex;align-items:center;gap:9px;font-weight:700;font-size:1.25rem;color:#0f172a;flex-shrink:0}
.logo img{height:36px;width:auto}
.logo-mark{width:36px;height:36px;border-radius:9px;background:linear-gradient(145deg,#14b8a6,#0d9488);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:.95rem;box-shadow:0 2px 8px rgba(13,148,136,.35)}
.nav{display:flex;align-items:center;gap:1px}
.nav a{padding:7px 11px;font-size:13.5px;font-weight:500;color:#64748b;border-radius:6px;white-space:nowrap}
.nav a:hover,.nav a.active{color:#0d9488;background:#f0fdfa}
.header-actions{display:flex;align-items:center;gap:8px;flex-shrink:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:8px 16px;font-weight:600;font-size:13.5px;border-radius:8px;border:none;cursor:pointer;transition:all .2s;white-space:nowrap}
.btn-primary{background:#0d9488;color:#fff;box-shadow:0 2px 8px rgba(13,148,136,.28)}
.btn-primary:hover{background:#0f766e;transform:translateY(-1px)}
.btn-outline{background:transparent;color:#0d9488;border:1.5px solid #0d9488}
.btn-outline:hover{background:#f0fdfa}
.btn-white{background:#fff;color:#0f766e}
.btn-white:hover{background:#f0fdfa}
.btn-lg{padding:12px 24px;font-size:14.5px;border-radius:9px}
.btn-ghost{background:transparent;color:#64748b;border:1.5px solid #e2e8f0}
.btn-ghost:hover{border-color:#0d9488;color:#0d9488}
.mobile-toggle{display:none;background:none;border:none;font-size:1.35rem;color:#1e293b;cursor:pointer;padding:6px}

/* HERO */
.hero{position:relative;background:linear-gradient(115deg,#0f766e 0%,#115e59 35%,#0f172a 100%);color:#fff;padding:48px 0 0;overflow:hidden}
.hero::after{content:'';position:absolute;right:0;top:0;bottom:0;width:55%;background:radial-gradient(ellipse at 80% 50%,rgba(20,184,166,.12) 0%,transparent 70%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1fr 420px;gap:32px;align-items:center;position:relative;z-index:1;padding-bottom:40px}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);padding:4px 11px;border-radius:999px;font-size:11.5px;font-weight:600;margin-bottom:14px;color:#99f6e4}
.hero h1{font-size:clamp(1.85rem,3.8vw,2.6rem);font-weight:800;line-height:1.15;margin-bottom:12px;letter-spacing:-.025em}
.hero h1 .hl{color:#5eead4}
.hero-desc{font-size:15px;opacity:.88;margin-bottom:20px;max-width:440px;line-height:1.65}
.hero-trust{display:flex;flex-wrap:wrap;gap:8px 16px;margin-bottom:24px}
.trust-pill{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:500}
.trust-pill .ic{width:20px;height:20px;border-radius:50%;background:rgba(20,184,166,.22);border:1px solid rgba(20,184,166,.35);display:flex;align-items:center;justify-content:center;font-size:9px;color:#5eead4}
.hero-ctas{display:flex;flex-wrap:wrap;gap:10px}

/* Hero visual + form */
.hero-visual{position:relative;min-height:400px;display:flex;align-items:flex-end;justify-content:flex-end}
.hero-img{position:absolute;right:0;bottom:0;width:92%;max-width:360px;border-radius:16px 16px 0 0;overflow:hidden;z-index:0;box-shadow:0 20px 50px rgba(0,0,0,.3)}
.hero-img img{width:100%;height:auto;object-fit:cover;display:block}

.enquiry-card{position:relative;z-index:2;background:#fff;border-radius:14px;box-shadow:0 20px 50px rgba(0,0,0,.28);overflow:hidden;width:100%;max-width:340px;color:#1e293b;margin-left:auto}
.enquiry-head{background:linear-gradient(135deg,#0d9488,#0f766e);color:#fff;padding:12px 18px;display:flex;align-items:center;justify-content:space-between}
.enquiry-head h3{font-size:13.5px;font-weight:700;display:flex;align-items:center;gap:7px}
.enquiry-steps{display:flex;gap:4px}
.step-dot{width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:700;color:#fff}
.step-dot.active{background:#fff;color:#0f766e}
.enquiry-body{padding:16px 18px}
.form-group{margin-bottom:12px}
.form-group label{display:block;font-size:11px;font-weight:600;color:#64748b;margin-bottom:4px;text-transform:uppercase;letter-spacing:.03em}
.form-group input,.form-group select{width:100%;padding:10px 12px;border:1.5px solid #e2e8f0;border-radius:7px;background:#f8fafc;color:#1e293b;transition:all .2s}
.form-group input:focus,.form-group select:focus{outline:none;border-color:#0d9488;box-shadow:0 0 0 3px rgba(13,148,136,.12);background:#fff}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.enquiry-body .btn{width:100%;margin-top:2px;padding:11px}

/* PRODUCT STRIP */
.product-strip{background:#fff;border-radius:20px 20px 0 0;margin-top:-1px;padding:24px 0 12px;position:relative;z-index:3;box-shadow:0 -10px 40px rgba(0,0,0,.06)}
.products-row{display:grid;grid-template-columns:repeat(6,1fr);gap:6px}
.product-item{text-align:center;padding:14px 6px;border-radius:12px;transition:all .2s}
.product-item:hover{background:#f0fdfa}
.product-item .p-icon{width:48px;height:48px;margin:0 auto 8px;background:#f0fdfa;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.25rem;color:#0d9488;transition:all .2s}
.product-item:hover .p-icon{background:#0d9488;color:#fff}
.product-item h3{font-size:12.5px;font-weight:700;color:#0f172a;margin-bottom:1px}
.product-item p{font-size:11px;color:#94a3b8}

/* SECTIONS */
.section{padding:56px 0}
.section-alt{background:#f8fafc}
.section-head{text-align:center;margin-bottom:32px}
.section-head h2{font-size:clamp(1.4rem,2.8vw,1.75rem);font-weight:800;color:#0f172a;margin-bottom:6px;letter-spacing:-.02em}
.section-head p{color:#64748b;font-size:14.5px}
.section-row{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:24px;flex-wrap:wrap;gap:10px}
.section-row h2{font-size:clamp(1.3rem,2.4vw,1.55rem);font-weight:800;color:#0f172a;margin:0}
.section-row p{color:#64748b;font-size:14px;margin:0}
.view-all{font-weight:600;color:#0d9488;font-size:13.5px;display:inline-flex;align-items:center;gap:5px}
.view-all:hover{gap:9px}

/* LENDERS */
.lenders-row{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.lender-card{background:#fff;border:1px solid #eef2f7;border-radius:12px;padding:16px 12px;text-align:center;transition:all .2s}
.lender-card:hover{box-shadow:0 8px 24px rgba(0,0,0,.08);border-color:#ccfbf1;transform:translateY(-2px)}
.lender-logo{height:28px;margin:0 auto 8px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px}
.lender-card h4{font-size:12px;font-weight:600;margin-bottom:2px;color:#0f172a}
.lender-card .rate{font-size:13px;font-weight:700;color:#0d9488}
.lender-card .amt{font-size:11px;color:#94a3b8;margin-top:1px}
.lender-card .go{display:inline-block;margin-top:6px;font-size:12px;color:#0d9488;font-weight:600}

/* EMI */
.emi-box{display:grid;grid-template-columns:1.15fr 1fr;gap:32px;background:#fff;border-radius:16px;box-shadow:0 8px 30px rgba(0,0,0,.07);padding:32px;border:1px solid #eef2f7}
.emi-inputs .form-group{margin-bottom:18px}
.emi-inputs label{display:flex;justify-content:space-between;font-size:13.5px;font-weight:600;color:#1e293b;margin-bottom:7px;text-transform:none;letter-spacing:0}
.emi-inputs label span{color:#0d9488;font-weight:700}
input[type=range]{width:100%;height:5px;-webkit-appearance:none;appearance:none;background:#e2e8f0;border-radius:3px;outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;background:#0d9488;border-radius:50%;cursor:pointer;box-shadow:0 2px 6px rgba(13,148,136,.4);border:2.5px solid #fff}
.range-ends{display:flex;justify-content:space-between;font-size:11px;color:#94a3b8;margin-top:3px}
.emi-result{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.emi-chart{position:relative;width:170px;height:170px;margin-bottom:16px}
.emi-chart svg{transform:rotate(-90deg)}
.emi-center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.emi-center .num{font-size:1.4rem;font-weight:800;color:#0f172a}
.emi-center .lbl{font-size:11.5px;color:#64748b}
.emi-stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;width:100%;max-width:250px}
.emi-stat{background:#f8fafc;border-radius:8px;padding:9px;text-align:center}
.emi-stat .v{font-size:14px;font-weight:700;color:#0f172a}
.emi-stat .l{font-size:11px;color:#64748b;margin-top:1px}
.dot{display:inline-block;width:7px;height:7px;border-radius:50%;margin-right:3px}
.dot-p{background:#0d9488}.dot-i{background:#94a3b8}

/* HOW IT WORKS */
.steps-row{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;position:relative}
.steps-row::before{content:'';position:absolute;top:28px;left:10%;right:10%;height:2px;background:linear-gradient(90deg,#ccfbf1,#0d9488,#ccfbf1);z-index:0}
.step-item{text-align:center;position:relative;z-index:1}
.step-num{width:56px;height:56px;margin:0 auto 10px;background:#fff;border:2.5px solid #0d9488;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.15rem;font-weight:800;color:#0d9488;box-shadow:0 2px 8px rgba(0,0,0,.06)}
.step-item h3{font-size:13px;font-weight:700;margin-bottom:3px;color:#0f172a}
.step-item p{font-size:12px;color:#64748b;line-height:1.4}

/* WHY + BLOG */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;max-width:1100px;margin:0 auto}
.why-list{display:flex;flex-direction:column;gap:10px}
.why-item{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid #eef2f7;border-radius:10px;padding:14px 16px;transition:all .2s}
.why-item:hover{box-shadow:0 4px 14px rgba(0,0,0,.06);border-color:#ccfbf1}
.why-item .wi{width:38px;height:38px;flex-shrink:0;border-radius:9px;background:#f0fdfa;display:flex;align-items:center;justify-content:center;color:#0d9488;font-size:15px}
.why-item h3{font-size:13.5px;font-weight:700;margin-bottom:1px;color:#0f172a}
.why-item p{font-size:12px;color:#64748b;line-height:1.4}

.blog-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.blog-card{background:#fff;border:1px solid #eef2f7;border-radius:12px;overflow:hidden;transition:all .25s}
.blog-card:hover{box-shadow:0 10px 28px rgba(0,0,0,.09);transform:translateY(-3px)}
.blog-thumb{height:120px;overflow:hidden}
.blog-thumb img{width:100%;height:100%;object-fit:cover}
.blog-body{padding:12px 14px}
.blog-meta{font-size:11px;color:#94a3b8;margin-bottom:4px}
.blog-card h3{font-size:13.5px;font-weight:700;margin-bottom:6px;color:#0f172a;line-height:1.35}
.blog-card .rm{font-size:12.5px;font-weight:600;color:#0d9488}

/* FOOTER */
.footer{background:#0b1220;color:#94a3b8;padding:48px 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.15fr;gap:28px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.06)}
.footer .logo{color:#fff;margin-bottom:10px}
.footer-brand p{font-size:13px;line-height:1.6;margin-bottom:14px;opacity:.75}
.footer h4{color:#fff;font-size:13.5px;font-weight:700;margin-bottom:12px}
.footer ul li{margin-bottom:7px}
.footer ul a{font-size:13px;opacity:.7}
.footer ul a:hover{opacity:1;color:#5eead4}
.footer-contact p{font-size:13px;margin-bottom:7px;display:flex;align-items:flex-start;gap:7px;opacity:.8}
.footer-contact i{color:#14b8a6;margin-top:2px;width:14px;font-size:12px}
.socials{display:flex;gap:7px;margin-top:10px}
.socials a{width:32px;height:32px;border-radius:7px;background:rgba(255,255,255,.06);display:flex;align-items:center;justify-content:center;font-size:13px;transition:all .2s}
.socials a:hover{background:#0d9488;color:#fff}
.footer-bottom{padding:14px 0;display:flex;justify-content:space-between;align-items:center;font-size:12px;opacity:.6;flex-wrap:wrap;gap:8px}
.footer-bottom a{margin-left:12px}
.footer-bottom a:hover{color:#5eead4}



/* Simple dropdown (Compare, Calculators, About) */
.dropdown{
  display:none;position:absolute;top:100%;left:0;
  background:#fff;border:1px solid #eef2f7;border-radius:10px;
  box-shadow:0 12px 32px rgba(0,0,0,.1);padding:8px;min-width:220px;z-index:1001;
}
.nav-item:hover .dropdown,.nav-item.open .dropdown{display:block}
.dropdown a{
  display:block;padding:9px 14px;border-radius:7px;
  font-size:13px;font-weight:500;color:#334155;white-space:nowrap;
}
.dropdown a:hover{background:#f0fdfa;color:#0d9488}
.dropdown a.dropdown-all{
  margin-top:4px;padding-top:10px;border-top:1px solid #f1f5f9;
  color:#0d9488;font-weight:600;display:flex;align-items:center;justify-content:space-between;
}
.dropdown a.dropdown-all:hover{background:#f0fdfa}

/* MEGA MENU */
.nav-item{position:relative}
.nav-item > a{display:inline-flex;align-items:center;gap:4px}
.nav-item > a .chev{font-size:10px;transition:transform .2s}
.nav-item:hover > a .chev,.nav-item.open > a .chev{transform:rotate(180deg)}
.mega{
  display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);
  background:#fff;border:1px solid #eef2f7;border-radius:12px;
  box-shadow:0 16px 40px rgba(0,0,0,.12);padding:20px 22px;min-width:520px;z-index:1001;
  grid-template-columns:1fr 1fr 1fr;gap:8px 20px;
}
.nav-item:hover .mega,.nav-item.open .mega{display:grid}
.mega a{
  display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:8px;
  font-size:13px;font-weight:500;color:#334155;white-space:nowrap;
}
.mega a:hover{background:#f0fdfa;color:#0d9488}
.mega a i{width:28px;height:28px;border-radius:7px;background:#f0fdfa;display:flex;align-items:center;justify-content:center;color:#0d9488;font-size:12px;flex-shrink:0}
.mega a:hover i{background:#0d9488;color:#fff}
.mega-title{grid-column:1/-1;font-size:11px;font-weight:700;color:#94a3b8;text-transform:uppercase;letter-spacing:.04em;padding:0 12px 4px;margin:0}

/* Hero without image */
.hero-grid{grid-template-columns:1fr 380px !important}
.hero-visual{min-height:auto !important;display:flex !important;align-items:center !important;justify-content:flex-end !important}
.hero-img{display:none !important}

/* RESPONSIVE */
@media(max-width:1100px){
  .products-row{grid-template-columns:repeat(3,1fr)}
  .lenders-row{grid-template-columns:repeat(3,1fr)}
  .steps-row{grid-template-columns:repeat(3,1fr)}
  .steps-row::before{display:none}
  .footer-grid{grid-template-columns:1fr 1fr 1fr}
  .two-col{grid-template-columns:1fr}
}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:28px}
  .hero-visual{min-height:auto;justify-content:center}
  .hero-img{display:none}
  .enquiry-card{max-width:380px;margin:0 auto}
  .emi-box{grid-template-columns:1fr}
  .nav{display:none}
  .mobile-toggle{display:block}
  .nav.open{display:flex;flex-direction:column;position:absolute;top:calc(38px + 66px);left:0;right:0;background:#fff;padding:10px;border-bottom:1px solid #e2e8f0;box-shadow:0 10px 30px rgba(0,0,0,.1);gap:1px;z-index:999}
  .nav.open a{padding:10px 14px}
  
  .dropdown{position:static;box-shadow:none;border:none;padding:4px 0 4px 12px;display:none;min-width:100%}
  .nav-item.open .dropdown{display:block}

  .mega{position:static;transform:none;min-width:100%;box-shadow:none;border:none;padding:4px 0 4px 12px;display:none;grid-template-columns:1fr}
  .nav-item.open .mega{display:grid}
  .nav-item > a .chev{margin-left:auto}

  .topbar-left span{display:none}
}
@media(max-width:600px){
  .products-row{grid-template-columns:repeat(2,1fr)}
  .lenders-row{grid-template-columns:1fr 1fr}
  .steps-row{grid-template-columns:1fr 1fr}
  .blog-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:20px}
  .footer-bottom{flex-direction:column;text-align:center}
  .form-row{grid-template-columns:1fr}
  .hero{padding:32px 0 0}
  .section{padding:40px 0}
  .emi-box{padding:20px}
  .header-actions .btn-ghost{display:none}
  .topbar-right a span{display:none}
}

/* ===== INNER PAGE STYLES ===== */
.page-hero{background:linear-gradient(125deg,#0f766e 0%,#134e4a 50%,#0f172a 100%);color:#fff;padding:36px 0 48px;position:relative;overflow:hidden}
.page-hero .breadcrumb{display:flex;align-items:center;gap:6px;font-size:12.5px;opacity:.75;margin-bottom:16px}
.page-hero .breadcrumb a:hover{opacity:1;color:#5eead4}
.page-hero h1{font-size:clamp(1.6rem,3.2vw,2.2rem);font-weight:800;margin-bottom:10px;letter-spacing:-.02em}
.page-hero .lead{font-size:15px;opacity:.88;max-width:560px;line-height:1.65;margin-bottom:20px}
.page-stats{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.page-stat{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);border-radius:10px;padding:12px 18px;min-width:140px}
.page-stat .lbl{font-size:11px;opacity:.7;margin-bottom:2px}
.page-stat .val{font-size:15px;font-weight:700}

.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:-28px;position:relative;z-index:2}
.tool-card{background:#fff;border-radius:14px;box-shadow:0 12px 36px rgba(0,0,0,.1);border:1px solid #eef2f7;padding:24px;overflow:hidden}
.tool-card h3{font-size:15px;font-weight:700;color:#0f172a;margin-bottom:16px;display:flex;align-items:center;gap:8px}
.tool-card h3 i{color:#0d9488}

.lenders-table{width:100%;border-collapse:collapse;font-size:13.5px}
.lenders-table th{text-align:left;padding:12px 14px;background:#f8fafc;font-weight:600;color:#64748b;font-size:12px;text-transform:uppercase;letter-spacing:.03em;border-bottom:1px solid #eef2f7}
.lenders-table td{padding:14px;border-bottom:1px solid #f1f5f9;vertical-align:middle}
.lenders-table tr:hover td{background:#f0fdfa}
.lenders-table .bank{font-weight:700;color:#0f172a}
.lenders-table .btn{padding:6px 14px;font-size:12.5px}

.accordion{border:1px solid #eef2f7;border-radius:12px;overflow:hidden}
.acc-item{border-bottom:1px solid #eef2f7}
.acc-item:last-child{border-bottom:none}
.acc-btn{width:100%;text-align:left;padding:16px 20px;background:#fff;border:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:14.5px;font-weight:600;color:#0f172a;transition:background .2s}
.acc-btn:hover{background:#f8fafc}
.acc-btn i{color:#0d9488;transition:transform .2s;font-size:12px}
.acc-item.open .acc-btn i{transform:rotate(180deg)}
.acc-body{display:none;padding:0 20px 18px;font-size:14px;color:#475569;line-height:1.7}
.acc-item.open .acc-body{display:block}
.acc-body ul{padding-left:18px;margin:8px 0}
.acc-body ul li{list-style:disc;margin-bottom:4px}

.cta-banner{background:linear-gradient(135deg,#0d9488,#0f766e);border-radius:14px;padding:28px 32px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;color:#fff}
.cta-banner h3{font-size:1.15rem;font-weight:700;margin-bottom:4px}
.cta-banner p{font-size:13.5px;opacity:.85}

/* Blog article */
.article-layout{display:grid;grid-template-columns:1fr 300px;gap:36px;align-items:start}
.article-body h2{font-size:1.25rem;font-weight:700;color:#0f172a;margin:28px 0 12px}
.article-body h3{font-size:1.05rem;font-weight:700;color:#0f172a;margin:20px 0 8px}
.article-body p{margin-bottom:14px;color:#475569;line-height:1.75;font-size:15px}
.article-body ul,.article-body ol{padding-left:20px;margin-bottom:14px}
.article-body li{margin-bottom:6px;color:#475569;list-style:disc;font-size:14.5px;line-height:1.6}
.article-body ol li{list-style:decimal}
.article-meta{display:flex;gap:16px;font-size:13px;color:#94a3b8;margin-bottom:24px;flex-wrap:wrap}
.toc{background:#f8fafc;border:1px solid #eef2f7;border-radius:12px;padding:18px;position:sticky;top:90px}
.toc h4{font-size:13px;font-weight:700;margin-bottom:10px;color:#0f172a}
.toc a{display:block;padding:6px 0;font-size:13px;color:#64748b}
.toc a:hover{color:#0d9488}
.related-card{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid #f1f5f9}
.related-card:last-child{border-bottom:none}
.related-card img{width:70px;height:52px;object-fit:cover;border-radius:6px;flex-shrink:0}
.related-card h5{font-size:13px;font-weight:600;color:#0f172a;line-height:1.35}
.related-card .rmeta{font-size:11px;color:#94a3b8;margin-top:2px}

@media(max-width:900px){
  .tools-grid{grid-template-columns:1fr}
  .article-layout{grid-template-columns:1fr}
  .toc{position:static}
}

/* ===== PRODUCT HUB / RELATED LINKS (inner pages) ===== */
.page-layout{display:grid;grid-template-columns:1fr 280px;gap:32px;align-items:start}
.topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:20px 0 28px}
.topic-chip{
  display:block;text-align:center;padding:12px 10px;
  border:1.5px solid #e2e8f0;border-radius:10px;
  font-size:13px;font-weight:600;color:#0d9488;background:#fff;
  transition:all .2s;
}
.topic-chip:hover{border-color:#0d9488;background:#f0fdfa;transform:translateY(-1px);box-shadow:0 4px 12px rgba(13,148,136,.12)}
.sidebar-box{
  background:#fff;border:1px solid #eef2f7;border-radius:12px;
  padding:18px;margin-bottom:16px;position:sticky;top:90px;
}
.sidebar-box h4{font-size:13px;font-weight:700;color:#0f172a;margin-bottom:12px}
.sidebar-box .btn{width:100%;margin-bottom:8px;justify-content:center}
.sidebar-box .btn-outline{background:#fff}
.related-links a.btn,.related-links a.btn-outline{
  display:inline-flex;width:100%;margin-bottom:8px;justify-content:center;align-items:center;
  border:1px solid #e2e8f0;border-radius:10px;padding:10px 14px;font-weight:600;font-size:13.5px;
  color:#0f172a;text-decoration:none;background:#fff;box-sizing:border-box
}
.related-links a.btn-outline:hover{border-color:#0d9488;color:#0d9488;background:#f0fdfa}
.related-links a:not(.btn){
  display:flex;align-items:center;gap:8px;padding:10px 0;border-bottom:1px solid #f1f5f9;
  font-size:13.5px;font-weight:500;color:#334155;text-decoration:none
}
.related-links a:not(.btn):last-child{border-bottom:none}
.related-links a:not(.btn):hover{color:#0d9488}
.related-links a i{width:18px;color:#94a3b8;font-size:11px}
.city-note{font-size:12.5px;color:#64748b;background:#f0fdfa;border:1px solid #ccfbf1;border-radius:8px;padding:10px 14px;margin:16px 0}
.city-note strong{color:#0f766e}

@media(max-width:900px){
  .page-layout{grid-template-columns:1fr}
  .sidebar-box{position:static}
  .topic-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:480px){
  .topic-grid{grid-template-columns:1fr 1fr}
}

.info-table{width:100%;border-collapse:collapse;font-size:13.5px}
.info-table th,.info-table td{padding:10px 12px;border:1px solid #e2e8f0;text-align:left;vertical-align:top}
.info-table th{background:#f8fafc;font-weight:600;color:#0f172a;width:34%}
.info-table td{color:#475569;line-height:1.55}
.acc-item .acc-body{display:none;padding:4px 16px 16px;font-size:14px;color:#475569;line-height:1.7}
.acc-item.open .acc-body{display:block}
.acc-item .acc-btn{width:100%;text-align:left;background:#fff;border:1px solid #eef2f7;padding:14px 16px;font-weight:600;font-size:14px;color:#0f172a;display:flex;justify-content:space-between;align-items:center;cursor:pointer;border-radius:8px;margin-bottom:8px}
.acc-item.open .acc-btn{border-color:#99f6e4;background:#f0fdfa}
.acc-item .acc-btn i{transition:transform .2s;color:#94a3b8;font-size:12px}
.acc-item.open .acc-btn i{transform:rotate(180deg);color:#0d9488}


/* === ACCORDION (force working) === */
.accordion{margin:0}
.accordion .acc-item{margin-bottom:8px;border:none;background:transparent}
.accordion .acc-btn{
  width:100%;text-align:left;background:#fff;
  border:1px solid #e2e8f0;padding:14px 16px;
  font-weight:600;font-size:14px;color:#0f172a;
  display:flex;justify-content:space-between;align-items:center;
  cursor:pointer;border-radius:10px;font-family:inherit;
}
.accordion .acc-btn:hover{border-color:#99f6e4}
.accordion .acc-item.open .acc-btn{border-color:#0d9488;background:#f0fdfa;color:#0f766e}
.accordion .acc-btn i{transition:transform .2s;color:#94a3b8;font-size:12px;flex-shrink:0;margin-left:8px}
.accordion .acc-item.open .acc-btn i{transform:rotate(180deg);color:#0d9488}
.accordion .acc-body{
  display:none !important;
  padding:12px 16px 16px;font-size:14px;color:#475569;line-height:1.7;
  border:1px solid #e2e8f0;border-top:0;border-radius:0 0 10px 10px;
  margin-top:-8px;background:#fff;
}
.accordion .acc-item.open .acc-body{display:block !important}
.accordion .acc-item.open .acc-btn{border-radius:10px 10px 0 0}

.know-block{
  background:#fff;border:1px solid #eef2f7;border-radius:12px;
  padding:18px 20px;margin-bottom:14px;
}
.know-title{
  font-size:1rem;font-weight:700;color:#0f172a;margin:0 0 12px;
  padding-bottom:10px;border-bottom:1px solid #f1f5f9;
}

.page-layout{display:grid!important;grid-template-columns:minmax(0,1fr) 280px!important;gap:32px;align-items:start}
.page-main{min-width:0;grid-column:1}
.page-sidebar{position:sticky;top:90px;grid-column:2;align-self:start}
.page-sidebar .sidebar-box{margin-bottom:16px}
.page-sidebar .sidebar-box{position:static;margin-bottom:16px}
@media(max-width:900px){
  .page-layout{grid-template-columns:1fr}
  .page-sidebar{position:static}
}

/* Native details accordion — no JS needed */
details.acc-details{
  background:#fff;border:1px solid #e2e8f0;border-radius:10px;
  margin-bottom:8px;overflow:hidden;
}
details.acc-details summary{
  list-style:none;cursor:pointer;padding:14px 16px;
  font-weight:600;font-size:14px;color:#0f172a;
  display:flex;justify-content:space-between;align-items:center;
  user-select:none;
}
details.acc-details summary::-webkit-details-marker{display:none}
details.acc-details summary::after{
  content:"\f078";font-family:"Font Awesome 6 Free";font-weight:900;
  font-size:12px;color:#94a3b8;transition:transform .2s;
}
details.acc-details[open] summary{
  background:#f0fdfa;border-bottom:1px solid #e2e8f0;color:#0f766e;
}
details.acc-details[open] summary::after{
  transform:rotate(180deg);color:#0d9488;
}
details.acc-details .acc-panel{
  padding:14px 16px;font-size:14px;color:#475569;line-height:1.7;
}


/* Footer — screenshot match */
.footer{background:#0f172a;color:#94a3b8;padding:56px 0 0;margin-top:0}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr 1.1fr;
  gap:32px;
  padding-bottom:40px;
}
.footer h4{color:#fff;font-size:14px;font-weight:700;margin:0 0 16px}
.footer ul{list-style:none;padding:0;margin:0}
.footer ul li{margin:0 0 10px}
.footer ul a{color:#94a3b8;font-size:13.5px;text-decoration:none}
.footer ul a:hover{color:#2dd4bf}
.footer-desc{font-size:13.5px;line-height:1.65;color:#94a3b8;margin:0 0 18px;max-width:260px}
.footer-social{display:flex;gap:10px}
.footer-social a{
  width:36px;height:36px;border-radius:8px;background:#1e293b;
  display:inline-flex;align-items:center;justify-content:center;
  color:#94a3b8;font-size:14px;text-decoration:none;
}
.footer-social a:hover{background:#0d9488;color:#fff}
.footer-contact li{
  display:flex;align-items:flex-start;gap:10px;
  font-size:13.5px;color:#94a3b8;margin-bottom:12px;
}
.footer-contact i{color:#2dd4bf;margin-top:3px;width:16px}
.footer-contact a{color:#94a3b8;text-decoration:none}
.footer-contact a:hover{color:#2dd4bf}
.footer-cta{margin-top:8px;display:inline-flex}
.footer-bottom{
  border-top:1px solid #1e293b;
  padding:18px 0;
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:12px;
  font-size:13px;color:#64748b;
}
.footer-bottom-links{display:flex;gap:18px;flex-wrap:wrap}
.footer-bottom-links a{color:#64748b;text-decoration:none;font-size:13px}
.footer-bottom-links a:hover{color:#2dd4bf}
@media(max-width:900px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px}
}
@media(max-width:560px){
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;align-items:flex-start}
}


.footer{background:#0f172a;color:#94a3b8;padding:56px 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.1fr;gap:32px;padding-bottom:40px}
.footer h4{color:#fff;font-size:14px;font-weight:700;margin:0 0 16px}
.footer ul{list-style:none;padding:0;margin:0}
.footer ul li{margin:0 0 10px}
.footer ul a{color:#94a3b8;font-size:13.5px;text-decoration:none}
.footer ul a:hover{color:#2dd4bf}
.footer-desc{font-size:13.5px;line-height:1.65;color:#94a3b8;margin:0 0 18px;max-width:260px}
.footer-social{display:flex;gap:10px}
.footer-social a{width:36px;height:36px;border-radius:8px;background:#1e293b;display:inline-flex;align-items:center;justify-content:center;color:#94a3b8;font-size:14px;text-decoration:none}
.footer-social a:hover{background:#0d9488;color:#fff}
.footer-contact li{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:#94a3b8;margin-bottom:12px}
.footer-contact i{color:#2dd4bf;margin-top:3px;width:16px}
.footer-contact a{color:#94a3b8;text-decoration:none}
.footer-contact a:hover{color:#2dd4bf}
.footer-cta{margin-top:8px;display:inline-flex}
.footer-bottom{border-top:1px solid #1e293b;padding:18px 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:13px;color:#64748b}
.footer-bottom-links{display:flex;gap:18px;flex-wrap:wrap}
.footer-bottom-links a{color:#64748b;text-decoration:none;font-size:13px}
.footer-bottom-links a:hover{color:#2dd4bf}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;align-items:flex-start}}

.pl-side .btn{width:100%;margin-bottom:8px;justify-content:center;display:inline-flex;align-items:center;text-align:center;box-sizing:border-box}
.pl-side .box .btn:last-child{margin-bottom:0}

/* ========== Homepage 2026 polish ========== */
.hero-2026{position:relative;overflow:hidden;padding:48px 0 64px;background:linear-gradient(145deg,#0f172a 0%,#134e4a 48%,#0f766e 100%);color:#fff}
.hero-2026 .hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 70% 20%,rgba(45,212,191,.18),transparent 55%),radial-gradient(ellipse 50% 40% at 10% 80%,rgba(14,165,233,.12),transparent 50%);pointer-events:none}
.hero-2026 .container{position:relative;z-index:1}
.hero-2026 .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero-2026 .hero-badge{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);font-size:12.5px;font-weight:600;margin-bottom:16px}
.hero-2026 h1{font-size:clamp(2rem,4vw,2.75rem);font-weight:800;line-height:1.15;margin:0 0 14px;letter-spacing:-.02em}
.hero-2026 h1 .hl{background:linear-gradient(90deg,#5eead4,#99f6e4);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-2026 .hero-desc{font-size:1.05rem;line-height:1.65;opacity:.9;max-width:34rem;margin:0 0 22px}
.hero-stats{display:flex;gap:28px;margin-bottom:24px;flex-wrap:wrap}
.hero-stats .stat{display:flex;flex-direction:column}
.hero-stats strong{font-size:1.35rem;font-weight:800}
.hero-stats span{font-size:12px;opacity:.75}
.hero-2026 .hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:20px}
.btn-ghost-light{background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff}
.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
.hero-2026 .hero-trust{display:flex;flex-wrap:wrap;gap:8px}
.hero-2026 .trust-pill{display:inline-flex;align-items:center;gap:6px;font-size:12px;opacity:.85}
.hero-2026 .trust-pill i{color:#5eead4}
.hero-2026 .enquiry-card{background:#fff;color:#0f172a;border-radius:20px;padding:24px;box-shadow:0 25px 50px -12px rgba(0,0,0,.35)}
.hero-2026 .enquiry-head h3{margin:0 0 6px;font-size:1.15rem;font-weight:800}
.hero-2026 .enquiry-head p{margin:0 0 16px;font-size:13px;color:#64748b;line-height:1.5}
.hero-2026 .form-row{margin-bottom:12px}
.hero-2026 .form-row label{display:block;font-size:12px;font-weight:600;color:#475569;margin-bottom:4px}
.hero-2026 .form-row input,.hero-2026 .form-row select{width:100%;padding:11px 12px;border:1px solid #e2e8f0;border-radius:10px;font-size:14px;background:#f8fafc}
.hero-2026 .form-row input:focus,.hero-2026 .form-row select:focus{outline:2px solid #14b8a6;border-color:#14b8a6;background:#fff}
.hero-2026 .consent{display:flex;gap:8px;align-items:flex-start;font-size:12px;color:#64748b;margin:12px 0 14px;line-height:1.45}
.hero-2026 .consent input{margin-top:3px}
.btn-block{width:100%;justify-content:center}

.section{padding:64px 0}
.section-muted{background:#f8fafc}
.section-head{margin-bottom:32px}
.section-head.center{text-align:center}
.section-head .eyebrow{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:#0d9488;margin:0 0 8px}
.section-head h2{font-size:clamp(1.4rem,2.5vw,1.85rem);font-weight:800;margin:0 0 8px;color:#0f172a;letter-spacing:-.02em}
.section-head .sub{color:#64748b;margin:0;font-size:15px}
.section-head.row-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap}
.text-link{font-weight:600;color:#0d9488;text-decoration:none;font-size:14px}
.text-link:hover{text-decoration:underline}
.center-link{text-align:center;margin-top:24px}
.center-link a{font-weight:600;color:#0d9488}

.cat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.cat-card{display:flex;flex-direction:column;gap:6px;padding:22px;background:#fff;border:1px solid #eef2f7;border-radius:16px;text-decoration:none;color:#0f172a;transition:transform .15s,box-shadow .15s,border-color .15s}
.cat-card:hover{transform:translateY(-2px);box-shadow:0 12px 24px -8px rgba(15,23,42,.12);border-color:#99f6e4}
.cat-ico{width:40px;height:40px;border-radius:12px;background:#f0fdfa;color:#0d9488;display:flex;align-items:center;justify-content:center;font-size:1.1rem;margin-bottom:4px}
.cat-card strong{font-size:15px}
.cat-card span:last-child{font-size:13px;color:#64748b}

.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step-card{background:#fff;border:1px solid #eef2f7;border-radius:16px;padding:24px}
.step-num{display:inline-flex;width:32px;height:32px;border-radius:10px;background:#0d9488;color:#fff;font-weight:800;align-items:center;justify-content:center;font-size:14px;margin-bottom:12px}
.step-card h3{margin:0 0 8px;font-size:1.05rem}
.step-card p{margin:0;font-size:14px;color:#64748b;line-height:1.6}

.dual-panels{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.panel{border-radius:18px;padding:28px}
.panel-teal{background:linear-gradient(145deg,#f0fdfa,#ccfbf1);border:1px solid #99f6e4}
.panel-white{background:#fff;border:1px solid #eef2f7}
.panel h2{font-size:1.2rem;margin:0 0 10px}
.panel p{font-size:14px;color:#475569;line-height:1.6;margin:0 0 16px}
.chip-row{display:flex;flex-wrap:wrap;gap:8px}
.chip{display:inline-flex;padding:8px 14px;border-radius:999px;border:1px solid #e2e8f0;background:#fff;color:#0f172a;font-size:13px;font-weight:600;text-decoration:none}
.chip:hover{border-color:#14b8a6;color:#0d9488}
.chip-solid{background:#0d9488;border-color:#0d9488;color:#fff}
.chip-solid:hover{background:#0f766e;color:#fff}

.emi-box{display:grid;grid-template-columns:1.2fr .8fr;gap:24px;background:#fff;border:1px solid #eef2f7;border-radius:20px;padding:28px;max-width:900px;margin:0 auto}
.emi-field{margin-bottom:18px}
.emi-field label{display:block;font-size:13px;font-weight:600;color:#475569;margin-bottom:6px}
.emi-field input[type=range]{width:100%}
.emi-val{font-weight:700;color:#0f172a;margin-top:4px}
.emi-result{background:#0f172a;color:#fff;border-radius:16px;padding:24px;text-align:center;display:flex;flex-direction:column;justify-content:center}
.emi-label{font-size:13px;opacity:.75}
.emi-amount{font-size:2rem;font-weight:800;margin:8px 0 16px;color:#5eead4}
.emi-note{font-size:11px;opacity:.65;margin:12px 0 0;line-height:1.4}

.lender-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.lender-card{background:#fff;border:1px solid #eef2f7;border-radius:14px;padding:18px;display:flex;flex-direction:column;gap:4px}
.lender-name{font-weight:800;font-size:14px;color:#0f172a}
.lender-prod{font-size:12px;color:#64748b}
.lender-rate{font-size:13px;font-weight:700;color:#0d9488;margin-top:6px}
.lender-amt{font-size:12px;color:#475569;margin-bottom:8px}
.lender-card a{font-size:13px;font-weight:600;color:#0d9488;text-decoration:none;margin-top:auto}

.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.why-card{background:#fff;border:1px solid #eef2f7;border-radius:16px;padding:22px}
.why-card i{font-size:1.25rem;color:#0d9488;margin-bottom:10px}
.why-card h3{font-size:15px;margin:0 0 8px}
.why-card p{font-size:13px;color:#64748b;line-height:1.55;margin:0}

.city-label{font-size:13px;font-weight:700;color:#0f766e;margin:0 0 10px}
.city-chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:22px}
.city-chips a{padding:8px 14px;border-radius:999px;border:1px solid #e2e8f0;background:#fff;font-size:13px;font-weight:600;color:#0f172a;text-decoration:none}
.city-chips a:hover{border-color:#14b8a6;color:#0d9488}
.city-chips a.chip-solid{background:#0d9488;border-color:#0d9488;color:#fff}

.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.guide-card{background:#fff;border:1px solid #eef2f7;border-radius:16px;padding:22px;text-decoration:none;color:inherit;transition:box-shadow .15s}
.guide-card:hover{box-shadow:0 12px 24px -8px rgba(15,23,42,.1)}
.g-tag{font-size:11px;font-weight:700;color:#0d9488;text-transform:uppercase;letter-spacing:.04em}
.guide-card h3{font-size:15px;margin:8px 0;color:#0f172a}
.guide-card p{font-size:13px;color:#64748b;margin:0;line-height:1.5}

.narrow{max-width:720px;margin:0 auto}
.faq-item{background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:10px;padding:0}
.faq-item summary{cursor:pointer;padding:14px 18px;font-weight:600;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item div{padding:0 18px 14px;font-size:14px;color:#475569;line-height:1.65}

.cta-band{background:linear-gradient(135deg,#0f172a,#0f766e);color:#fff;text-align:center;padding:56px 0}
.cta-band h2{margin:0 0 10px;font-size:1.5rem;font-weight:800}
.cta-band p{margin:0 0 20px;opacity:.9}
.cta-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.btn-outline-white{border:1px solid rgba(255,255,255,.5);color:#fff;background:transparent}
.btn-outline-white:hover{background:rgba(255,255,255,.1)}
.btn-white{background:#fff;color:#0f766e}
.btn-white:hover{background:#f0fdfa}

@media (max-width:900px){
  .hero-2026 .hero-grid,.dual-panels,.emi-box,.steps-grid,.why-grid,.guide-grid{grid-template-columns:1fr}
  .cat-grid{grid-template-columns:repeat(2,1fr)}
  .lender-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:560px){
  .cat-grid,.lender-grid{grid-template-columns:1fr}
  .hero-2026{padding:32px 0 40px}
}


/* Homepage tools + cities + faq (match existing teal UI) */
.hp-tools{padding:48px 0}
.hp-tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.hp-tool-card{border-radius:16px;padding:28px;border:1px solid #e2e8f0}
.hp-tool-mint{background:#f0fdfa;border-color:#ccfbf1}
.hp-tool-white{background:#fff}
.hp-tool-card h2{font-size:1.2rem;font-weight:800;margin:0 0 10px;color:#0f172a}
.hp-tool-card p{font-size:14px;color:#475569;line-height:1.6;margin:0 0 16px}
.hp-tool-btns{display:flex;flex-wrap:wrap;gap:8px}
.btn-sm{padding:8px 14px;font-size:13px;border-radius:8px}
.hp-cities .city-chip-wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;max-width:900px;margin:0 auto}
.hp-cities .city-chip-wrap a{display:inline-flex;padding:8px 16px;border-radius:999px;border:1px solid #e2e8f0;background:#fff;color:#0f172a;font-size:13px;font-weight:600;text-decoration:none}
.hp-cities .city-chip-wrap a:hover{border-color:#14b8a6;color:#0d9488}
.hp-cities .city-chip-wrap a.city-all{background:#0d9488;border-color:#0d9488;color:#fff}
.hp-faq-item{background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px}
.hp-faq-item summary{cursor:pointer;padding:14px 16px;font-weight:600;list-style:none;color:#0f172a}
.hp-faq-item summary::-webkit-details-marker{display:none}
.hp-faq-body{padding:0 16px 14px;font-size:14px;color:#475569;line-height:1.7}
@media(max-width:768px){
  .hp-tools-grid{grid-template-columns:1fr}
}


/* Why-column mini EMI + guides row */
.emi-box-compact{display:flex;flex-direction:column;gap:16px;background:#fff;border:1px solid #eef2f7;border-radius:14px;padding:18px}
.emi-box-compact .emi-inputs .form-group{margin-bottom:12px}
.emi-side-result{background:#0f172a;color:#fff;border-radius:12px;padding:16px;text-align:center}
.emi-side-label{font-size:12px;opacity:.75}
.emi-side-num{font-size:1.6rem;font-weight:800;color:#5eead4;margin-top:4px}
.blog-row-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:900px){
  .blog-row-3{grid-template-columns:1fr}
}

.products-grid-8{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.products-grid-8 .product-item{text-align:center}





@media(max-width:900px){
  .products-grid-8{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:520px){
  .products-grid-8{grid-template-columns:1fr}
}


/* Homepage two-col balance + step timeline */
.two-col{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:48px;
  align-items:start;
  max-width:1100px;
  margin:0 auto;
}
.two-col > div{
  width:100%;
}
.two-col .section-row{
  justify-content:center;
  text-align:center;
  margin-bottom:20px !important;
}
.two-col .section-row h2{
  width:100%;
  text-align:center;
}
.two-col > div > h2{
  text-align:center;
  margin-bottom:20px;
}

/* Vertical timeline for How LoanPao Works */
.steps-col{
  display:flex;
  flex-direction:column;
  gap:0;
  position:relative;
  max-width:420px;
  margin:0 auto;
  padding-left:0;
}
.steps-col .step-item{
  display:grid;
  grid-template-columns:44px 1fr;
  gap:14px;
  align-items:flex-start;
  text-align:left;
  position:relative;
  padding-bottom:22px;
}
.steps-col .step-item:last-child{padding-bottom:0}
.steps-col .step-item .step-num{
  width:36px;
  height:36px;
  border-radius:50%;
  background:#0d9488;
  color:#fff;
  font-weight:800;
  font-size:14px;
  display:flex;
  align-items:center;
  justify-content:center;
  position:relative;
  z-index:2;
  flex-shrink:0;
  margin:0;
}
/* connecting line through center of numbers */
.steps-col .step-item:not(:last-child)::before{
  content:"";
  position:absolute;
  left:17px;
  top:36px;
  bottom:0;
  width:2px;
  background:#99f6e4;
  z-index:1;
}
.steps-col .step-item h3{
  margin:2px 0 4px;
  font-size:15px;
  font-weight:700;
  color:#0f172a;
}
.steps-col .step-item p{
  margin:0;
  font-size:13px;
  color:#64748b;
  line-height:1.5;
}

/* Compare / Eligibility cards centered under their headings */
.two-col .hp-tool-card{
  max-width:420px;
  margin:0 auto;
}
.two-col .why-list{
  max-width:420px;
  margin:0 auto;
}

@media(max-width:900px){
  .two-col{grid-template-columns:1fr;gap:32px}
}


/* ===== Scroll reveal (FinPoan / Elementor-style) — sitewide ===== */
.reveal{
  opacity:0;
  transform:translateY(36px);
  transition:opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1);
  will-change:opacity,transform;
}
.reveal.reveal-left{transform:translateX(-32px)}
.reveal.reveal-right{transform:translateX(32px)}
.reveal.reveal-scale{transform:scale(.96)}
.reveal.is-visible{
  opacity:1;
  transform:none;
}
.reveal-d1{transition-delay:.08s}
.reveal-d2{transition-delay:.16s}
.reveal-d3{transition-delay:.24s}
.reveal-d4{transition-delay:.32s}
.reveal-d5{transition-delay:.4s}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
}


/* Performance: avoid CLS from reveal — only hide after JS marks ready */
.reveal { opacity: 1; transform: none; }
html.js-reveal-ready .reveal:not(.is-visible) {
  opacity: 0;
  transform: translateY(24px);
}
html.js-reveal-ready .reveal.is-visible {
  opacity: 1;
  transform: none;
}


/* a11y contrast */
.btn-primary,
a.btn-primary {
  background: #0f766e !important;
  color: #ffffff !important;
  border-color: #0f766e !important;
}
.btn-primary:hover,
a.btn-primary:hover {
  background: #0d9488 !important;
  color: #ffffff !important;
}