:root {
  --primary: #0d47a1;
  --primary-2: #1565c0;
  --navy: #071425;
  --gold: #f5c16c;
  --gold-dark: #dca249;
  --muted: #6b7c8c;
  --white: #fff;
  --nav-h: 80px;
  --trans: 0.28s ease;
}

* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
html,
body {
  height: 100%;
}
body {
  font-family: "Open Sans", sans-serif;
  background: #f5f7fb;
  color: #14293b;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* -------------------- Header (fixed, premium) -------------------- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(90deg, var(--navy), var(--primary));
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.25);
  z-index: 1200;
  transition: var(--trans);
}
.header.scrolled {
  backdrop-filter: blur(10px);
  background: linear-gradient(90deg, #0c1d3a, #0d4fa3);
}

.container {
  width: 100%;
  max-width: 1300px;
  padding: 0 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand {
  font-family: "Merriweather", serif;
  color: var(--white);
  font-weight: 700;
  font-size: 1.4rem;
  letter-spacing: 0.6px;
  text-decoration: none;
}
/* nav */
.nav {
  display: flex;
  align-items: center;
  gap: 18px;
}
.nav a {
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  padding: 8px 10px;
  border-radius: 8px;
  transition: var(--trans);
  font-size: 0.96rem;
}
.nav a:hover {
  background: rgba(255, 255, 255, 0.1);
  /* scale: 1.05; */
}

.cta {
  background: var(--gold);
  color: #000;
  padding: 9px 16px;
  border-radius: 8px;
  font-weight: 700;
  box-shadow: 0 8px 20px rgba(245, 193, 108, 0.25);
  border: 1px solid var(--gold-dark);
}

/* Dropdown */
/* Container */
.dropdown {
  position: relative;
}

/* Trigger Button */
.dropdown-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  color: var(--white);
  font-weight: 700;
  padding: 9px 12px;
  border-radius: 8px;
}

.dropdown-btn:hover {
  color: var(--gold);
}

/* Menu - Updated with Scroll Functionality */
.dropdown-menu {
  position: absolute;
  left: 0;
  top: 100%;
  width: 340px;
  
  /* Size and Scroll Fixes */
  max-height: 450px;           /* Limits the height */
  overflow-y: auto;            /* Enables vertical scroll */
  overflow-x: hidden;          /* Prevents horizontal twitching */
  
  background: #0c459c;
  color: #0b1a2e;
  border-radius: 14px;
  padding: 14px 0;
  transform: translateY(14px);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.22s ease, opacity 0.22s ease, visibility 0.22s;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.18);
  z-index: 1400;
}

/* Hover/Open State */
.dropdown:hover .dropdown-menu,
.dropdown.open .dropdown-menu {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

/* Individual Items */
.dropdown-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 24px;
  text-decoration: none;
  color: inherit;
  font-weight: 700;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  transition: all 0.18s ease;
  font-size: 0.98rem;
}

.dropdown-item:last-child {
  border-bottom: none;
}

.dropdown-item i {
  width: 26px;
  text-align: center;
  font-size: 1.15rem;
  color: var(--white);
}

/* Icon Wrapper */
.dropdown-item .iwrap {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--primary), var(--primary-2));
  color: #fff;
  flex-shrink: 0;
}

/* Item Hover Effects */
.dropdown-item:hover {
  background: rgba(255, 255, 255, 0.05); /* Adjusted for dark bg visibility */
  padding-left: 30px;
  color: var(--gold);
}

.dropdown-item:hover .iwrap {
  background: linear-gradient(90deg, var(--gold), var(--gold-dark)); 
  color: #000;
}

/* Custom Scrollbar Styling (Webkit) */
.dropdown-menu::-webkit-scrollbar {
  width: 6px;
}

.dropdown-menu::-webkit-scrollbar-track {
  background: rgba(0, 0, 0, 0.1);
  border-radius: 0 14px 14px 0; /* Matches menu corners */
}

.dropdown-menu::-webkit-scrollbar-thumb {
  background: var(--gold, #d4af37);
  border-radius: 10px;
}
/* hamburger (mobile) */
.hamburger {
  display: none;
  background: none;
  border: 0;
  color: var(--white);
  font-size: 1.6rem;
  cursor: pointer;
}

/* Mobile slide nav */
.mobile-nav {
  position: fixed;
  right: -100%;
  top: 0;
  height: 100%;
  width: 320px;
  background: #071425;
  z-index: 1500;
  box-shadow: -10px 0 30px rgba(0, 0, 0, 0.25);
  transition: right 0.28s ease;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.mobile-nav.open {
  right: 0;
}
.mobile-close {
  align-self: flex-end;
  background: none;
  border: 0;
  color: #fff;
  font-size: 1.6rem;
  cursor: pointer;
}
.mobile-nav a {
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  padding: 10px;
  border-radius: 8px;
}
.mobile-accordion {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px;
  color: white;
  border-radius: 8px;
  background: transparent;
  border: 0;
  font-weight: inherit;
  cursor: pointer;
  font-size: inherit;
}
.mobile-submenu {
  display: none;
  flex-direction: column;
  gap: 6px;
  padding-left: 8px;
  margin-top: 6px;
}

/* -------------------- HERO -------------------- */
#hero {
  position: relative;
  height: 100vh;
  overflow: hidden;
  display: block;
}
.hero-slider {
  position: absolute;
  inset: 0;
  overflow: hidden;
}
.hero-slider img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0;
  transition: opacity 1s ease-in-out;
}
.hero-slider img.active {
  opacity: 1;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(0, 0, 0, 0.55), rgba(0, 0, 0, 0.35));
  z-index: 1;
}
.hero-content {
  position: absolute;
  left: 6%;
  top: 55%;
  transform: translateY(-50%);
  width: 44%;
  padding: 34px;
  border-radius: 16px;
  background: rgba(0, 0, 0, 0.46);
  backdrop-filter: blur(8px);
  color: #fff;
  z-index: 2;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.4);
  opacity: 0;
  transform-origin: left center;
  transition: transform 0.6s cubic-bezier(0.2, 0.9, 0.2, 1), opacity 0.6s ease;
}
.hero-content.show {
  opacity: 1;
  transform: translateY(-50%) translateX(0);
}
.hero-title {
  font-family: "Merriweather", serif;
  font-size: 2.6rem;
  margin-bottom: 10px;
}
.hero-sub {
  color: #dfe7f2;
  font-size: 1.03rem;
  margin-bottom: 8px;
  line-height: 1.45;
}
.hero-btn {
  display: inline-block;
  margin-top: 18px;
  background: var(--gold);
  color: #000;
  padding: 12px 20px;
  border-radius: 10px;
  text-decoration: none;
  font-weight: 800;
  box-shadow: 0 8px 20px rgba(245, 193, 108, 0.18);
}
.hero-btn:hover {
  box-shadow: 0 12px 30px rgba(245, 193, 108, 0.28);
  transform: translateY(-2px);
  color: white;
  transition: 0.3s ease;
}

/* -------------------- SERVICES -------------------- */
.services-section {
  padding: 100px 18px;
  background: #f5f7fb;
}
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-header h2 {
  font-size: 2.2rem;
  color: var(--navy);
  font-weight: 800;
}
.section-header p {
  color: var(--muted);
  margin-top: 8px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 26px;
  max-width: 1200px;
  margin: 0 auto;
}

.service-card {
  background: #fff;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(15, 25, 40, 0.06);
  transition: transform 0.45s cubic-bezier(0.2, 0.9, 0.2, 1), box-shadow 0.35s;
  display: flex;
  flex-direction: column;
  min-height: 320px;
}
.service-card.reveal {
  transform: translateY(0);
  opacity: 1;
}
.service-card.hidden {
  transform: translateY(20px);
  opacity: 0;
}

/* Redesigned service icon section with background images */
.service-icon-wrap {
  padding: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  min-height: 180px;
  overflow: hidden;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

/* Add overlay for better icon visibility */
.service-icon-wrap::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(21, 101, 192, 0.2));
  z-index: 1;
}

/* Individual background images for each service */
.service-card:nth-child(1) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Home Loan */
}
.service-card:nth-child(2) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Loan Against Property */
}
.service-card:nth-child(3) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Personal Loan */
}
.service-card:nth-child(4) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1554224154-22dec7ec8818?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Business Loan */
}
.service-card:nth-child(5) .service-icon-wrap {
  background-image: url("./img/education.jpg"); /* Education Loan */
}
.service-card:nth-child(6) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1549317661-bd32c8ce0db2?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Used Car Loan */
}
.service-card:nth-child(7) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1549399542-7e3f8b79c341?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* New Car Loan */
}
.service-card:nth-child(8) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1588200908342-23b585c03e26?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Life Insurance */
}
.service-card:nth-child(9) .service-icon-wrap {
  background-image: url("./img/health.jpg"); /* Health Insurance */
}
.service-card:nth-child(10) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1551288049-bebda4e38f71?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* General Insurance */
}
.service-card:nth-child(11) .service-icon-wrap {
  background-image: url("https://images.unsplash.com/photo-1503376780353-7e6692767b70?ixlib=rb-4.0.3&auto=format&fit=crop&w=600&q=80"); /* Car Insurance */
}

.service-icon {
  font-size: 2.6rem;
  color: #fff;
  z-index: 2;
  position: relative;
}

.service-content {
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex: 1;
}
.service-content h3 {
  font-size: 1.2rem;
  color: var(--navy);
  font-weight: 800;
}
.service-content p {
  color: #596875;
  line-height: 1.55;
  flex: 1;
}
.service-btn {
  background: var(--primary);
  color: #fff;
  border: 0;
  padding: 10px 14px;
  border-radius: 8px;
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  text-align: center;
}
.service-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 20px 40px rgba(8, 18, 40, 0.12);
}
.service-card:hover .service-icon {
  transform: scale(1.06);
}

/* -------------------- WHY CHOOSE CFC (REDESIGNED) -------------------- */
.why-cfc {
  padding: 100px 18px;
  background: linear-gradient(135deg, #0d47a1, #1565c0);
  color: white;
}

.why-cfc .section-header h2 {
  color: white;
}

.why-cfc .section-header p {
  color: rgba(255, 255, 255, 0.8);
}

.stats-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 30px;
  max-width: 1200px;
  margin: 0 auto 60px;
}

.stat-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border-radius: 16px;
  padding: 30px 20px;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
}

.stat-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.2);
}

.stat-number {
  font-size: 3.5rem;
  font-weight: 800;
  margin-bottom: 10px;
  color: var(--gold);
  display: block;
  line-height: 1;
}

.stat-label {
  font-size: 1.1rem;
  font-weight: 600;
}

.advantages-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}

.adv-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border-radius: 16px;
  padding: 30px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
}

.adv-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.2);
  background: rgba(255, 255, 255, 0.15);
}

.adv-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold);
  color: #000;
  font-size: 2rem;
  margin-bottom: 20px;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);
}

.adv-content h4 {
  margin-bottom: 12px;
  font-size: 1.3rem;
  font-weight: 700;
}

.adv-content p {
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
}

/* ------------------------advantage section----------------------- */

/* ADVANTAGES SECTION */
.cfc-advantages {
  padding: 100px 20px;
  background: linear-gradient(135deg, #0d47a1, #1565c0);
  color: #fff;
  position: relative;
  overflow: hidden;
}

.cfc-advantages::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='1000' height='1000' xmlns='http://www.w3.org/2000/svg'%3E%3Cpolygon opacity='0.05' fill='white' points='0,1000 1000,0 1000,1000'/%3E%3C/svg%3E");
  background-size: cover;
}

/* Container */
.cfc-container {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

/* Header */
.cfc-adv-header {
  text-align: center;
  margin-bottom: 70px;
}

.cfc-adv-header h2 {
  font-size: 3rem;
  font-weight: 800;
}

.cfc-adv-header h2 span {
  color: #f5c16c;
  position: relative;
}

.cfc-adv-header .subtitle {
  font-weight: 300;
  opacity: 0.9;
  font-size: 1.2rem;
  margin-top: 12px;
}

/* GRID */
.cfc-adv-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(330px, 1fr));
  gap: 35px;
}

/* ITEM */
.cfc-adv-item {
  background: rgba(255, 255, 255, 0.12);
  border-radius: 20px;
  padding: 35px 28px;
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  position: relative;
  overflow: hidden;
  transform: translateY(40px);
  opacity: 0;
  transition: 0.4s ease;
}

.cfc-adv-item.reveal {
  transform: translateY(0);
  opacity: 1;
}

/* Hover glowing line */
.cfc-adv-item::before {
  content: "";
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent,
    rgba(255, 255, 255, 0.2),
    transparent
  );
  transition: 0.7s ease;
}

.cfc-adv-item:hover::before {
  left: 100%;
}

/* Icon */
.icon-wrap {
  width: 80px;
  height: 80px;
  margin-bottom: 22px;
  position: relative;
}

.icon-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #f5c16c, #dca249);
  transform: rotate(45deg);
  border-radius: 22px;
  transition: 0.35s ease;
}

.cfc-adv-item:hover .icon-bg {
  border-radius: 50%;
  transform: rotate(0) scale(1.15);
}

.icon-wrap i {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  color: #0d47a1;
  font-size: 2rem;
  z-index: 2;
}

/* Text */
.cfc-adv-item h3 {
  color: #f5c16c;
  font-size: 1.45rem;
  margin-bottom: 10px;
  font-weight: 700;
}

.cfc-adv-item p {
  opacity: 0.95;
  line-height: 1.6;
}

/* Progress line */
.progress-line {
  position: absolute;
  bottom: 0;
  left: 0;
  height: 4px;
  width: 0;
  background: linear-gradient(90deg, #f5c16c, #dca249);
  transition: 0.5s ease;
}

.cfc-adv-item:hover .progress-line {
  width: 100%;
}

/* Responsive */
@media (max-width: 768px) {
  .cfc-advantages {
    padding: 70px 15px;
  }
  .cfc-adv-header h2 {
    font-size: 2.2rem;
  }
  .cfc-adv-grid {
    grid-template-columns: 1fr;
  }
  .cfc-adv-item {
    padding: 28px 22px;
  }
}

@media (max-width: 480px) {
  .cfc-adv-header h2 {
    font-size: 1.8rem;
  }
  .icon-wrap {
    width: 65px;
    height: 65px;
  }
  .icon-wrap i {
    font-size: 1.4rem;
  }
}

/* ===================== NEW FOOTER ===================== */
.cfc-footer {
  background: #061324;
  color: #dbe8ff;
  padding: 70px 20px 30px;
  position: relative;
}

/* Top Footer Layout */
.footer-top {
  max-width: 1300px;
  margin: 0 auto;
  display: flex;
  gap: 40px;
  justify-content: space-between;
  flex-wrap: wrap;
}

/* Columns */
.footer-col {
  flex: 1;
  min-width: 260px;
}

.footer-col h3 {
  color: #f5c16c;
  font-size: 1.4rem;
  margin-bottom: 18px;
  font-weight: 700;
}

.footer-col p {
  color: #c9d9f0;
  line-height: 1.6;
}

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

.footer-contact i {
  color: #f5c16c;
}

/* Links */
.footer-col ul {
  list-style: none;
  padding: 0;
}

.footer-col ul li {
  margin-bottom: 10px;
}

.footer-col a {
  color: #c9d9f0;
  text-decoration: none;
  transition: 0.3s;
}

.footer-col a:hover {
  color: #f5c16c;
  padding-left: 4px;
}

/* Map Section */
.footer-map .map-frame {
  width: 100%;
  height: 220px;
  border-radius: 12px;
  overflow: hidden;
  border: 2px solid rgba(255, 255, 255, 0.1);
}

.footer-map iframe {
  width: 100%;
  height: 100%;
}

/* Footer Bottom */
.footer-bottom {
  max-width: 1300px;
  margin: 40px auto 0;
  text-align: center;
  color: #8fa3c0;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.95rem;
}
.footer-bottom a {
  text-decoration: none;
}
/* Responsive */
@media (max-width: 900px) {
  .footer-top {
    flex-direction: column;
  }

  .footer-col {
    width: 100%;
  }

  .footer-map .map-frame {
    height: 260px;
  }
}

@media (max-width: 480px) {
  .cfc-footer {
    padding: 50px 15px;
  }
}

/* -------------------- Responsive -------------------- */
@media (max-width: 1024px) {
  .hero-content {
    width: 56%;
  }
}
@media (max-width: 880px) {
  .nav {
    display: none;
  }
  .hamburger {
    display: block;
  }
  .hero-content {
    left: 5%;
    width: 86%;
  }
  .dropdown-menu {
    right: unset;
    left: 0;
    width: 280px;
  }
}
@media (max-width: 520px) {
  .hero-content {
    top: 50%;
    transform: translate(-50%, -50%);
    width: 92%;
  }
  .hero-title {
    font-size: 1.6rem;
  }
  .service-card {
    min-height: auto;
  }
  .mobile-nav {
    width: 100%;
    right: -100%;
  }

  .stat-number {
    font-size: 2.5rem;
  }

  .adv-card {
    padding: 20px;
  }
}

/* ===================== FLOATING emi section ===================== */

/* Floating Buttons Container */
.floating-buttons {
  position: fixed;
  bottom: 9rem; /* moved slightly upward */
  right: 35px; /* better right alignment */
  z-index: 12000; /* stay above everything */
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 15px;
}

/* EMI Widget Button */
.emi-widget-btn {
  background: linear-gradient(
    135deg,
    var(--primary-2),
    var(--primary)
  ); /* theme updated */
  color: white;
  border: none;
  border-radius: 50px;
  padding: 12px 22px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  box-shadow: 0 5px 20px rgba(13, 71, 161, 0.35);
  transition: all 0.3s ease;
  z-index: 12001;
  position: relative;
  overflow: hidden;
}

.emi-widget-btn::before {
  content: "";
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent,
    rgba(255, 255, 255, 0.25),
    transparent
  );
  transition: left 0.5s ease;
}

.emi-widget-btn:hover::before {
  left: 100%;
}

.emi-widget-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 25px rgba(13, 71, 161, 0.45);
}

.emi-widget-btn i {
  font-size: 1.2rem;
}

.emi-label {
  white-space: nowrap;
}

/* EMI Panel */
.emi-panel {
  position: fixed;
  right: 35px;
  bottom: 120px; /* pushed further up */
  width: 350px;
  background: white;
  border-radius: 16px;
  box-shadow: 0 15px 50px rgba(0, 0, 0, 0.25);
  opacity: 0;
  display: flex;
  flex-direction: column;
  gap: 2rem;
  visibility: hidden;
  transform: translateY(30px) scale(0.95);
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  z-index: 13000; /* ALWAYS above navbar */
  overflow: hidden;
}

.emi-panel.open {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

/* EMI Panel Header */
.emi-panel .header {
  background: linear-gradient(135deg, var(--navy), var(--primary));
  color: white;
  padding: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.emi-panel .header h4 {
  font-size: 1.3rem;
  font-weight: 700;
  margin: 0;
}

.emi-panel .close-btn {
  background: rgba(255, 255, 255, 0.25);
  border: none;
  color: white;
  font-size: 1.5rem;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
}

.emi-panel .close-btn:hover {
  background: rgba(255, 255, 255, 0.35);
  transform: rotate(90deg);
}

/* EMI Tabs */
.emi-tabs {
  display: flex;
  background: #f5f7fb;
  padding: 10px 20px;
  gap: 5px;
}

.emi-tab {
  flex: 1;
  background: white;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 8px 12px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  transition: all 0.2s ease;
}

.emi-tab:hover {
  background: #f0f4fa;
  color: var(--primary);
}

.emi-tab.active {
  background: var(--primary);
  color: white;
  border-color: var(--primary);
}

/* EMI Body */
.emi-body {
  padding: 20px;
}

/* Rows */
.emi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

.emi-row label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
}

.emi-input {
  width: 120px;
  padding: 8px 12px;
  border: 2px solid #e2e8f0;
  border-radius: 8px;
  font-size: 0.95rem;
  text-align: right;
  transition: all 0.2s ease;
}

.emi-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(13, 71, 161, 0.12);
}

/* Range Slider */
.emi-range {
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, var(--primary), var(--primary-2));
  border-radius: 3px;
  margin-bottom: 20px;
  appearance: none;
}

.emi-range::-webkit-slider-thumb {
  appearance: none;
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  border: 3px solid white;
  cursor: pointer;
}

/* Results */
.emi-results {
  background: linear-gradient(135deg, #f9fafc, #e6edf7);
  border-radius: 12px;
  padding: 20px;
  margin: 20px 0;
}

/* WhatsApp Button */
.whatsapp-fab {
  background: linear-gradient(135deg, #25d366, #128c7e);
  color: white;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  box-shadow: 0 5px 20px rgba(37, 211, 102, 0.35);
  position: relative;
  z-index: 12001;
  transition: all 0.3s ease;
}

.whatsapp-fab:hover {
  transform: translateY(-3px) scale(1.05);
}
.bank-partners {
        padding: 60px 20px;
        text-align: center;
    }

    .partners-title {
        font-size: 2rem;
        font-weight: 700;
        color: #222;
        margin-bottom: 40px;
    }

    /* Responsive Grid */
    .partners-grid {
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
        gap: 30px;
        max-width: 1200px;
        margin: auto;
    }

    /* Partner Card */
    .partner-card {
        background: white;
        border: 1px solid rgba(0, 133, 255, 0.2);
        border-radius: 12px;
        padding: 25px 20px;
        display: flex;
        align-items: center;
        justify-content: center;
        height: 120px;

        transition: 0.3s ease;
    }

    .partner-card:hover {
        border-color: rgba(0, 86, 179, 0.5);
        transform: translateY(-5px);
        box-shadow: 0 6px 18px rgba(0, 86, 179, 0.15);
    }

    /* Logo styling */
    .partner-card img {
        max-height: 60px;
        max-width: 160px;
        width: 100%;
        object-fit: cover;
        filter: grayscale(100%);
        /* Optional – matches screenshot */
        opacity: 0.9;
        transition: 0.3s ease;
    }

    .partner-card:hover img {
        filter: grayscale(0%);
        opacity: 1;
    }

    /* Smaller screens */
    @media (max-width: 500px) {
        .partners-title {
            font-size: 1.4rem;
        }

        .partner-card {
            height: 100px;
            padding: 20px;
        }
    }



/* MOBILE FIXES */
@media (max-width: 768px) {
  .emi-panel {
    width: 300px;
    right: 15px;
    top: 100px; /* prevents going under navbar */
    bottom: auto;
    z-index: 20000;
    transform: translateY(50px) scale(0.95);
  }

  .emi-panel.open {
    transform: translateY(0) scale(1);
  }

  .emi-input {
    width: 90px;
  }
}

@media (max-width: 480px) {
  .emi-panel {
    width: 270px;
    right: 10px;
    top: 90px;
  }
}

@media (max-width: 360px) {
  .emi-panel {
    width: 250px;
    right: 8px;
  }
}

/* EMI Button */
/* ================= FLOATING EMI CALCULATOR BUTTON ================= */

.emi-floating-btn {
  position: fixed;
  right: 22px;
  top: 40%;
  transform: translateY(-50%);
  background: var(--primary);
  color: #fff;
  padding: 12px 18px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  border-radius: 50px;
  cursor: pointer;
  z-index: 2000;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.25);
  transition: all 0.3s ease;
}

.emi-floating-btn i {
  font-size: 1.3rem;
  background: var(--gold);
  color: #000;
  padding: 10px;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(245, 193, 108, 0.25);
}

.emi-floating-btn span {
  font-size: 0.95rem;
  letter-spacing: 0.2px;
}

/* Hover Effect */
.emi-floating-btn:hover {
  transform: translateY(-50%) scale(1.06);
  background: var(--primary-2);
}

/* Mobile – icon only */
@media (max-width: 600px) {
  .emi-floating-btn {
    padding: 12px;
    right: 16px;
  }
  .emi-floating-btn span {
    display: none;
  }
}

/* WhatsApp Button */
.whatsapp-floating {
  position: fixed;
  right: 22px;
  bottom: 80px;
  width: 58px;
  height: 58px;
  background: #25d366;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  z-index: 2000;
  box-shadow: 0 8px 22px rgba(0, 0, 0, 0.25);
  text-decoration: none;
  transition: 0.3s ease;
}

.whatsapp-floating:hover {
  transform: scale(1.1);
}
/* ================= EMI ACTION BUTTONS (THEMED FOR CFC) ================= */

.emi-actions {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}

/* Primary Button (Gold) */
.emi-actions .primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  border: none;
  padding: 12px 18px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  box-shadow: 0 6px 18px rgba(245, 193, 108, 0.35);
  transition: all 0.3s ease;
  letter-spacing: 0.3px;
}

.emi-actions .primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(245, 193, 108, 0.45);
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
}

/* Ghost Button (Outline Blue) */
.emi-actions .ghost {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  padding: 12px 18px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  display: inline-flex;
  justify-content: center;
  align-items: center;
  transition: all 0.3s ease;
  letter-spacing: 0.3px;
}

.emi-actions .ghost:hover {
  background: rgba(13, 71, 161, 0.08);
  transform: translateY(-2px);
  color: var(--primary-2);
  border-color: var(--primary-2);
}

/* Mobile UI Fixes */
@media (max-width: 480px) {
  .emi-actions {
    flex-direction: column;
  }

  .emi-actions .primary,
  .emi-actions .ghost {
    width: 100%;
    padding: 14px;
    font-size: 1rem;
  }
}