/* ===========================
   GOOGLE FONT
=========================== */

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

*{
margin:0;
padding:0;
box-sizing:border-box;
font-family:'Poppins',sans-serif;
scroll-behavior:smooth;
}

body{
background:#f5f7fb;
color:#222;
line-height:1.7;
overflow-x:hidden;
}

/* ===========================
HEADER
=========================== */

header{
position:fixed;
top:0;
left:0;
width:100%;
display:flex;
justify-content:space-between;
align-items:center;
padding:18px 8%;
background:#0B2545;
box-shadow:0 8px 20px rgba(0,0,0,.12);
z-index:1000;
}

.logo h2{
color:#fff;
font-size:30px;
font-weight:700;
}

.logo p{
color:#d9d9d9;
font-size:13px;
margin-top:2px;
}

nav ul{
display:flex;
list-style:none;
gap:30px;
}

nav ul li a{
text-decoration:none;
color:#fff;
font-weight:500;
transition:.3s;
}

nav ul li a:hover{
color:#D4AF37;
}

.btn{
display:inline-block;
background:#D4AF37;
color:#000;
padding:12px 28px;
border-radius:30px;
text-decoration:none;
font-weight:600;
transition:.3s;
}

.btn:hover{
transform:translateY(-2px);
box-shadow:0 10px 20px rgba(0,0,0,.15);
}

/* ===========================
HERO
=========================== */

.hero{
height:100vh;
display:flex;
justify-content:center;
align-items:center;
text-align:center;
padding:120px 10%;
background:
linear-gradient(rgba(11,37,69,.82),rgba(11,37,69,.82)),
url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1600&q=80");

background-size:cover;
background-position:center;
color:#fff;
}

.hero-content{
max-width:850px;
}

.hero h1{
font-size:60px;
font-weight:700;
margin-bottom:20px;
}

.hero p{
font-size:20px;
margin-bottom:35px;
color:#f2f2f2;
}

.hero-btn{
display:flex;
justify-content:center;
gap:18px;
flex-wrap:wrap;
}

.btn2{
display:inline-block;
padding:12px 28px;
border:2px solid #fff;
color:#fff;
text-decoration:none;
border-radius:30px;
transition:.3s;
}

.btn2:hover{
background:#fff;
color:#0B2545;
}

/* ===========================
COMMON SECTION
=========================== */

section{
padding:90px 8%;
}

.title{
text-align:center;
font-size:38px;
color:#0B2545;
margin-bottom:50px;
font-weight:700;
}
/* ===========================
ABOUT
=========================== */

.about{
max-width:1000px;
margin:auto;
background:#fff;
padding:45px;
border-radius:18px;
box-shadow:0 12px 30px rgba(0,0,0,.08);
}

.about h3{
font-size:30px;
color:#0B2545;
margin-bottom:20px;
}

.about p{
font-size:17px;
color:#555;
margin-bottom:15px;
line-height:1.8;
}

/* ===========================
SERVICES
=========================== */

.cards{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
gap:25px;
}

.card{
background:#fff;
padding:35px;
border-radius:18px;
text-align:center;
box-shadow:0 10px 25px rgba(0,0,0,.08);
transition:.35s;
}

.card:hover{
transform:translateY(-10px);
}

.card i{
font-size:48px;
color:#D4AF37;
margin-bottom:18px;
}

.card h3{
margin-bottom:12px;
color:#0B2545;
font-size:22px;
}

.card p{
color:#666;
}

/* ===========================
WHY CHOOSE US
=========================== */

.why{
background:#eef3fb;
}

.features{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
gap:20px;
}

.features div{
background:#fff;
padding:25px;
border-radius:15px;
font-size:17px;
font-weight:500;
box-shadow:0 8px 20px rgba(0,0,0,.08);
transition:.3s;
}

.features div:hover{
transform:translateY(-5px);
}

.features i{
color:#2E8B57;
margin-right:10px;
}

/* ===========================
PARTNER BANKS
=========================== */

.banks{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
gap:20px;
margin-top:30px;
}

.banks div{
background:#0B2545;
color:#fff;
padding:25px;
text-align:center;
border-radius:12px;
font-size:18px;
font-weight:600;
transition:.3s;
}

.banks div:hover{
background:#D4AF37;
color:#000;
transform:scale(1.05);
}
/* ===========================
EMI CALCULATOR
=========================== */

.calculator{
max-width:550px;
margin:auto;
background:#fff;
padding:35px;
border-radius:18px;
box-shadow:0 10px 25px rgba(0,0,0,.08);
}

.calculator input,
.calculator button{
width:100%;
padding:15px;
margin:10px 0;
border-radius:10px;
border:1px solid #ccc;
font-size:16px;
}

.calculator input:focus{
outline:none;
border-color:#0B2545;
}

.calculator button{
background:#0B2545;
color:#fff;
font-weight:600;
border:none;
cursor:pointer;
transition:.3s;
}

.calculator button:hover{
background:#D4AF37;
color:#000;
}

#result{
margin-top:20px;
text-align:center;
color:#0B2545;
font-size:22px;
font-weight:700;
}

/* ===========================
CONTACT
=========================== */

form{
max-width:650px;
margin:auto;
background:#fff;
padding:35px;
border-radius:18px;
box-shadow:0 10px 25px rgba(0,0,0,.08);
}

form input,
form textarea{
width:100%;
padding:15px;
margin:12px 0;
border:1px solid #ccc;
border-radius:10px;
font-size:16px;
}

form textarea{
resize:vertical;
min-height:140px;
}

form input:focus,
form textarea:focus{
outline:none;
border-color:#0B2545;
}

form button{
width:100%;
padding:15px;
border:none;
border-radius:10px;
background:#D4AF37;
color:#000;
font-size:17px;
font-weight:700;
cursor:pointer;
transition:.3s;
}

form button:hover{
background:#0B2545;
color:#fff;
}

/* ===========================
FOOTER
=========================== */

footer{
background:#0B2545;
color:#fff;
text-align:center;
padding:40px 20px;
margin-top:50px;
}

footer h2{
margin-bottom:10px;
}

footer p{
margin:8px 0;
color:#ddd;
}

/* ===========================
FLOATING EMAIL BUTTON
=========================== */

.whatsapp{
position:fixed;
right:20px;
bottom:20px;
width:60px;
height:60px;
border-radius:50%;
background:#D4AF37;
color:#000;
display:flex;
align-items:center;
justify-content:center;
font-size:28px;
text-decoration:none;
box-shadow:0 10px 25px rgba(0,0,0,.25);
transition:.3s;
}

.whatsapp:hover{
transform:scale(1.1);
}

/* ===========================
RESPONSIVE
=========================== */

@media(max-width:768px){

header{
flex-direction:column;
padding:15px;
}

nav ul{
flex-wrap:wrap;
justify-content:center;
gap:15px;
margin:15px 0;
}

.hero{
padding:120px 20px 80px;
}

.hero h1{
font-size:38px;
}

.hero p{
font-size:17px;
}

.title{
font-size:30px;
}

.about{
padding:25px;
}

.cards,
.features,
.banks{
grid-template-columns:1fr;
}

.btn,
.btn2{
width:100%;
text-align:center;
}
}
/* Loan Process */

.process{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
gap:20px;
margin-top:40px;
}

.step{
background:#fff;
padding:30px;
text-align:center;
border-radius:15px;
box-shadow:0 10px 20px rgba(0,0,0,.08);
transition:.3s;
}

.step:hover{
transform:translateY(-8px);
}

.step span{
display:inline-flex;
width:60px;
height:60px;
align-items:center;
justify-content:center;
border-radius:50%;
background:#D4AF37;
color:#000;
font-size:24px;
font-weight:bold;
margin-bottom:15px;
}

.step h3{
margin-bottom:10px;
color:#0B2545;
}
/* FAQ */

.faq{
max-width:900px;
margin:auto;
}

.faq-item{
background:#fff;
padding:25px;
margin-bottom:20px;
border-left:5px solid #D4AF37;
border-radius:10px;
box-shadow:0 5px 15px rgba(0,0,0,.08);
}

.faq-item h3{
color:#0B2545;
margin-bottom:10px;
}

.faq-item p{
color:#555;
line-height:1.7;
}

/* ===== Banking Partners ===== */

.bank-subtitle{
text-align:center;
color:#666;
margin-top:-20px;
margin-bottom:35px;
font-size:17px;
}

.bank-card{
background:#fff;
padding:30px;
border-radius:15px;
text-align:center;
font-size:20px;
font-weight:600;
color:#0B2545;
box-shadow:0 10px 20px rgba(0,0,0,.08);
transition:.3s;
}

.bank-card:hover{
background:#0B2545;
color:#fff;
transform:translateY(-8px);
box-shadow:0 15px 30px rgba(11,37,69,.25);
cursor:pointer;
}

.bank-note{
text-align:center;
margin-top:30px;
font-size:14px;
color:#777;
line-height:1.6;
}
.bank-card img{
width:120px;
height:50px;
object-fit:contain;
margin-bottom:15px;
}

.bank-card p{
font-weight:600;
color:#0B2545;
}

.bank-card:hover p{
color:#fff;
}
/* ===========================
CALL TO ACTION
=========================== */

.cta{
background:linear-gradient(135deg,#0B2545,#163b6d);
color:#fff;
text-align:center;
padding:80px 20px;
border-radius:20px;
margin:60px 8%;
}

.cta h2{
font-size:40px;
margin-bottom:15px;
}

.cta p{
font-size:18px;
margin-bottom:30px;
color:#e5e5e5;
max-width:700px;
margin-left:auto;
margin-right:auto;
}

.cta .btn{
display:inline-block;
padding:15px 35px;
font-size:18px;
}