/* BrightDhan website. One file, no framework. Colours = the logo (royal blue + orange "dhan") with the
   owner's site theme (navy bands, light-blue buttons, pink accent). Edit tokens in :root only. */
:root{
  --navy:#0a174f;--navy-2:#13246b;--blue:#2546e0;--blue-d:#1a33b8;--sky:#38b6ff;--sky-d:#1e8bff;
  --pink:#d6246e;--orange:#ff7a1a;--green:#0f9d6b;--amber:#b7791f;
  --bg:#f2f6ff;--card:#fff;--ink:#0f1a3d;--ink-2:#34406a;--muted:#5d6888;--line:#e1e8f6;--line-2:#cdd8ef;
  --r:16px;--r-lg:24px;--shadow:0 1px 2px rgba(15,26,61,.06),0 8px 24px rgba(15,26,61,.07);
  --shadow-lg:0 24px 60px rgba(10,23,79,.22);--w:1200px;
  --font:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:400 16px/1.65 var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{margin:0 0 .5em;line-height:1.2;letter-spacing:-.02em;color:var(--ink)}
h1{font-size:clamp(2rem,4.6vw,3.35rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px;border-radius:6px}
.wrap{max-width:var(--w);margin:0 auto;padding:0 16px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:8px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 22px;border-radius:999px;border:0;
  font-weight:700;font-size:15px;cursor:pointer;text-decoration:none!important;transition:transform .15s,box-shadow .15s,background .15s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-primary{color:#fff;background:linear-gradient(135deg,var(--sky),var(--sky-d));box-shadow:0 8px 20px rgba(30,139,255,.35)}
.btn-primary:hover{box-shadow:0 12px 28px rgba(30,139,255,.45)}
.btn-blue{color:#fff;background:var(--blue)}
.btn-blue:hover{background:var(--blue-d)}
.btn-ghost{color:#fff;border:1.5px solid rgba(255,255,255,.4);background:rgba(255,255,255,.06)}
.btn-ghost:hover{background:rgba(255,255,255,.14)}
.btn-line{color:var(--blue);border:1.5px solid var(--line-2);background:#fff}
.btn-line:hover{border-color:var(--blue)}
.btn-lg{min-height:56px;padding:0 30px;font-size:16px}
.btn-block{width:100%}
.btn[disabled]{opacity:.55;cursor:not-allowed;box-shadow:none}

/* Header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:24px;height:70px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:23px;letter-spacing:-.03em;color:var(--navy)!important;text-decoration:none!important;flex-shrink:0}
.logo img{height:40px;width:auto;max-width:220px}
.logo b{color:var(--orange);font-weight:800}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav>li{position:relative;list-style:none}
.nav{padding:0;margin-top:0;margin-bottom:0}
.nav a,.nav button{display:flex;align-items:center;gap:6px;padding:10px 12px;border-radius:10px;color:var(--ink-2);font-weight:600;font-size:15px;background:none;border:0;cursor:pointer;text-decoration:none}
.nav a:hover,.nav button:hover,.nav .on>a{color:var(--blue);background:#eef3ff}
.nav .caret{width:10px;height:10px;transition:transform .2s}
.nav .sub{position:absolute;top:100%;left:0;min-width:250px;padding:8px;margin:6px 0 0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);
  list-style:none;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.nav>li:hover .sub,.nav>li:focus-within .sub{opacity:1;visibility:visible;transform:none}
.nav>li:hover .caret{transform:rotate(180deg)}
.nav .sub a{padding:10px 12px;font-weight:500}
.hdr-cta{display:flex;align-items:center;gap:10px}
.hdr-cta .btn{min-height:44px;padding:0 20px}
.burger{display:none;width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;align-items:center;justify-content:center;cursor:pointer}
.drawer{position:fixed;inset:0;z-index:80;visibility:hidden}
.drawer.open{visibility:visible}
.drawer .shade{position:absolute;inset:0;background:rgba(10,23,79,.5);opacity:0;transition:.25s}
.drawer.open .shade{opacity:1}
.drawer .panel{position:absolute;top:0;right:0;bottom:0;width:min(86vw,360px);background:#fff;padding:18px 18px 28px;overflow-y:auto;transform:translateX(100%);transition:.28s ease}
.drawer.open .panel{transform:none}
.drawer .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.drawer ul{list-style:none;margin:0;padding:0}
.drawer li a{display:block;padding:13px 6px;border-bottom:1px solid var(--line);color:var(--ink);font-weight:600}
.drawer li li a{padding-left:18px;font-weight:500;color:var(--ink-2)}
.drawer .help{margin-top:18px;padding:14px;border-radius:14px;background:var(--bg);font-size:14px;color:var(--muted)}
.drawer .help a{font-weight:700}

/* Hero (home) */
.hero{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 420px at 12% 0%,rgba(56,182,255,.22),transparent 60%),radial-gradient(600px 500px at 90% 100%,rgba(214,36,110,.18),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:center;min-height:600px}
.hero-copy{padding:56px 0}
.chip{display:inline-flex;align-items:center;gap:8px;padding:7px 14px;border-radius:999px;font-size:13px;font-weight:700;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#dbe6ff}
.chip i{width:8px;height:8px;border-radius:50%;background:#3ddc97;box-shadow:0 0 0 4px rgba(61,220,151,.2)}
.hero h1{color:#fff;margin:18px 0 16px}
.hl{position:relative;white-space:nowrap;color:#fff}
.hl::after{content:"";position:absolute;left:-2px;right:-2px;bottom:.08em;height:.3em;background:var(--pink);opacity:.85;z-index:-1;border-radius:4px}
.hero h1 .hl{z-index:0}
.hero .lead{font-size:clamp(1.02rem,1.6vw,1.2rem);color:#c9d5f5;max-width:560px;margin-bottom:26px}
.hero .btns{display:flex;flex-wrap:wrap;gap:12px}
.ticks{display:flex;flex-wrap:wrap;gap:10px 22px;margin:26px 0 0;padding:0;list-style:none;font-size:14px;color:#c9d5f5}
.ticks li{display:flex;align-items:center;gap:8px}
.ticks svg{width:18px;height:18px;color:#3ddc97;flex-shrink:0}
.slides{position:relative}
.slide{display:none}
.slide.on{display:block;animation:fade .5s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.hero-art{position:relative;align-self:end;height:100%;min-height:520px}
.hero-art .ph{position:absolute;right:-40px;bottom:0;width:min(600px,112%);aspect-ratio:1;display:none}
.hero-art .ph.on{display:block;animation:fade .6s ease}
.hero-art .ph img{width:100%;height:100%;object-fit:cover;-webkit-mask-image:radial-gradient(75% 75% at 55% 50%,#000 60%,transparent 100%);mask-image:radial-gradient(75% 75% at 55% 50%,#000 60%,transparent 100%)}
.qcard{position:absolute;left:0;bottom:64px;z-index:2;width:290px;padding:18px;border-radius:20px;background:#fff;color:var(--ink);box-shadow:var(--shadow-lg)}
.qcard small{display:block;color:var(--muted);font-size:12.5px;font-weight:600}
.qcard .amt{font-size:28px;font-weight:800;letter-spacing:-.02em;margin:2px 0 10px}
.qcard .row{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);margin-top:6px}
.qcard .btn{margin-top:14px;min-height:46px}
.dots{display:flex;gap:8px;margin-top:30px}
.dots button{width:10px;height:10px;padding:0;border-radius:99px;border:0;background:rgba(255,255,255,.3);cursor:pointer;transition:.2s}
.dots button.on{width:28px;background:var(--orange)}
.facts{position:relative;background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr);margin-top:-44px;z-index:3}
.facts div{padding:20px 22px;border-right:1px solid var(--line)}
.facts div:last-child{border-right:0}
.facts b{display:block;font-size:20px;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.facts span{font-size:13.5px;color:var(--muted)}

/* Range slider */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--blue) var(--p,50%),#dfe6f7 var(--p,50%));outline:none;margin:8px 0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:6px solid var(--blue);box-shadow:0 2px 8px rgba(37,70,224,.35);cursor:pointer}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:6px solid var(--blue);cursor:pointer}

/* Sections */
.sec{padding:84px 0}
.sec-sm{padding:56px 0}
.sec.white{background:#fff}
.sec.navy{background:var(--navy);color:#dbe4ff}
.sec.navy h2,.sec.navy h3{color:#fff}
.head{max-width:720px;margin:0 auto 44px;text-align:center}
.head.left{margin-left:0;text-align:left}
.eyebrow{display:inline-block;font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--pink);margin-bottom:10px}
.head p{color:var(--muted);font-size:17px}
.sec.navy .head p{color:#b9c6ee}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
.ico{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:#eaf0ff;color:var(--blue);margin-bottom:16px;font-size:22px}
.ico svg{width:24px;height:24px}
.card p{color:var(--muted);font-size:15px;margin:0}
a.card{display:block;color:inherit;text-decoration:none;transition:transform .18s,box-shadow .18s,border-color .18s}
a.card:hover{transform:translateY(-3px);border-color:#c5d3f5;box-shadow:0 14px 34px rgba(15,26,61,.12)}
a.card .go{display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-weight:700;font-size:14px;color:var(--blue)}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative}
.steps::before{content:"";position:absolute;top:28px;left:12%;right:12%;height:2px;background:repeating-linear-gradient(90deg,var(--line-2) 0 8px,transparent 8px 16px)}
.step{position:relative;text-align:center;padding:0 8px}
.step .n{counter-increment:s;width:56px;height:56px;margin:0 auto 18px;border-radius:50%;display:grid;place-items:center;background:#fff;border:2px solid var(--blue);color:var(--blue);font-weight:800;font-size:20px;position:relative;z-index:1}
.step .n::before{content:counter(s)}
.step p{color:var(--muted);font-size:15px}

/* Calculator */
.calc{display:grid;grid-template-columns:1.15fr .85fr;gap:0;background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden;border:1px solid var(--line)}
.calc .cin{padding:32px}
.calc .cout{padding:32px;background:var(--navy);color:#dbe4ff;display:flex;flex-direction:column}
.fld{margin-bottom:26px}
.fld .top{display:flex;justify-content:space-between;align-items:center;gap:12px}
.fld label{font-weight:700;font-size:15px}
.fld .val{display:flex;align-items:center;gap:4px;border:1.5px solid var(--line-2);border-radius:10px;padding:4px 10px;min-width:130px;background:#fff}
.fld .val input{border:0;width:100%;text-align:right;font-weight:800;font-size:17px;outline:none;background:none;padding:2px 0}
.fld .val span{color:var(--muted);font-weight:600;font-size:14px}
.fld .lim{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted)}
.emi-big{font-size:clamp(2rem,4vw,2.8rem);font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1.1;margin:4px 0 2px}
.cout small{color:#9fb0e3}
.donut{display:flex;align-items:center;gap:20px;margin:26px 0}
.donut svg{width:120px;height:120px;flex-shrink:0;transform:rotate(-90deg)}
.legend{font-size:14px;display:grid;gap:10px;flex:1}
.legend div{display:flex;justify-content:space-between;gap:10px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:8px}
.legend b{color:#fff}
.cout .total{border-top:1px solid rgba(255,255,255,.15);padding-top:14px;display:flex;justify-content:space-between;font-size:15px}
.cout .total b{color:#fff;font-size:18px}
.cout .btn{margin-top:auto}
.cout .btn-wrap{margin-top:22px}
.costs{margin-top:22px;border:1px dashed var(--line-2);border-radius:14px;padding:16px 18px;background:#f8faff;font-size:14px;color:var(--ink-2)}
.costs b{color:var(--ink)}
.costs dl{display:grid;grid-template-columns:auto 1fr;gap:6px 16px;margin:8px 0 0}
.costs dt{color:var(--muted)}
.costs dd{margin:0;font-weight:600}
.note{font-size:13px;color:var(--muted);margin-top:14px}

/* Eligibility */
.elig{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.list{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.list li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px;color:var(--ink-2)}
.list svg{width:22px;height:22px;flex-shrink:0;color:var(--green);margin-top:1px}

/* Reviews */
.rev{display:flex;flex-direction:column;gap:12px}
.stars{color:#f5a524;letter-spacing:2px;font-size:16px}
.rev p{color:var(--ink-2);font-size:15px;flex:1}
.rev .who{display:flex;align-items:center;gap:10px;font-size:14px}
.rev .av{width:38px;height:38px;border-radius:50%;background:#eaf0ff;color:var(--blue);display:grid;place-items:center;font-weight:800}
.badge{display:inline-flex;align-items:center;gap:4px;font-size:12px;font-weight:700;color:var(--green);background:#e6f7f0;border-radius:99px;padding:2px 8px}

/* FAQ */
.faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 20px;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{list-style:none;cursor:pointer;padding:18px 32px 18px 0;font-weight:700;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:2px;top:50%;width:10px;height:10px;border-right:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:translateY(-70%) rotate(45deg);transition:.2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq .a{padding:0 0 18px;color:var(--ink-2)}
.faq .a p:last-child{margin:0}

/* Blog cards */
.post{display:flex;flex-direction:column;padding:0;overflow:hidden}
.post .img{aspect-ratio:16/9;background:linear-gradient(135deg,#dfe8ff,#f3e6ff);overflow:hidden}
.post .img img{width:100%;height:100%;object-fit:cover}
.post .bd{padding:20px;display:flex;flex-direction:column;flex:1}
.post .meta{font-size:13px;color:var(--muted);margin-bottom:8px}
.post h3{font-size:1.08rem}

/* CTA band */
.band{background:linear-gradient(120deg,var(--blue),#4b2fd6 60%,var(--pink));border-radius:var(--r-lg);color:#fff;padding:44px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;position:relative;overflow:hidden}
.band::after{content:"";position:absolute;right:-60px;top:-60px;width:240px;height:240px;border-radius:50%;background:rgba(255,255,255,.1)}
.band h2{color:#fff;margin:0 0 6px;font-size:clamp(1.4rem,2.6vw,2rem)}
.band p{margin:0;color:#e3e8ff}
.band .btn{position:relative;z-index:1;background:#fff;color:var(--blue);box-shadow:none}

/* Page hero */
.phero{background:var(--navy);color:#c9d5f5;position:relative;overflow:hidden}
.phero::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 85% 0%,rgba(56,182,255,.2),transparent 60%);pointer-events:none}
.phero .wrap{position:relative;padding-top:44px;padding-bottom:56px}
.crumbs{display:flex;flex-wrap:wrap;gap:6px;font-size:13.5px;margin-bottom:18px;color:#9fb0e3;list-style:none;padding:0}
.crumbs a{color:#c9d5f5}
.crumbs li+li::before{content:"/";margin-right:6px;opacity:.5}
.phero h1{color:#fff;font-size:clamp(1.8rem,3.8vw,2.8rem);max-width:820px}
.phero .lead{font-size:17px;max-width:720px;margin:0}
.phero .btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.phero .upd{font-size:13.5px;color:#9fb0e3}

/* Page body */
.pbody{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:32px;align-items:start;padding-top:40px;padding-bottom:72px}
.pbody.full{grid-template-columns:minmax(0,1fr)}
.pbody.legal{grid-template-columns:260px minmax(0,1fr)}
.blk{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;margin-bottom:22px;box-shadow:var(--shadow)}
.blk h2{font-size:1.5rem}
.prose{color:var(--ink-2);font-size:16.5px}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.25em}
.prose li{margin:.35em 0}
.prose a{text-decoration:underline;text-underline-offset:2px}
.prose img{border-radius:12px;height:auto}
.prose blockquote{margin:1.2em 0;padding:12px 18px;border-left:4px solid var(--blue);background:#f5f8ff;border-radius:0 12px 12px 0}
.pts{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.pt{display:flex;gap:14px;padding:16px;border-radius:14px;background:#f7f9ff;border:1px solid var(--line)}
.pt .ico{width:44px;height:44px;margin:0;flex-shrink:0;background:#fff;border:1px solid var(--line)}
.pt b{display:block;margin-bottom:2px}
.pt p{margin:0;font-size:14.5px;color:var(--muted)}
.tl{list-style:none;margin:0;padding:0;counter-reset:t}
.tl li{position:relative;padding:0 0 22px 56px}
.tl li::before{counter-increment:t;content:counter(t);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:grid;place-items:center}
.tl li::after{content:"";position:absolute;left:18px;top:42px;bottom:4px;width:2px;background:var(--line)}
.tl li:last-child::after{display:none}
.tl b{display:block}
.tl p{margin:2px 0 0;color:var(--muted);font-size:15px}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:12px}
.tbl table{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
.tbl th{background:#f3f6fe;text-align:left;font-weight:700;color:var(--ink)}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line)}
.tbl tr:last-child td{border-bottom:0}
.blk-cta{background:linear-gradient(120deg,#eef3ff,#fdf0f6);border-color:#dfe6fb}
.blk-cta .btn{margin-top:4px}
.side{position:sticky;top:94px;display:grid;gap:18px}
.scard{background:var(--navy);color:#c9d5f5;border-radius:var(--r-lg);padding:26px;box-shadow:var(--shadow-lg)}
.scard h3{color:#fff;font-size:1.3rem}
.scard .list li{color:#dbe4ff;font-size:14.5px}
.scard .list svg{color:#3ddc97}
.scard .btn{margin-top:20px}
.scard small{display:block;margin-top:12px;font-size:12.5px;color:#9fb0e3}
.help-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;font-size:14.5px;color:var(--muted)}
.help-card b{color:var(--ink);display:block;margin-bottom:4px}
.toc{position:sticky;top:94px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.toc b{display:block;margin-bottom:8px}
.toc a{display:block;padding:7px 10px;border-radius:8px;color:var(--ink-2);font-size:14px}
.toc a:hover{background:#f1f5ff;text-decoration:none}
.legal .blk{padding:26px 30px}
.legal .blk h2{font-size:1.25rem}
.related{margin-top:8px}
.related h2{font-size:1.4rem;margin-bottom:16px}

/* Blog */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.chips a{padding:8px 16px;border-radius:99px;border:1px solid var(--line-2);background:#fff;color:var(--ink-2);font-weight:600;font-size:14px}
.chips a.on,.chips a:hover{background:var(--blue);border-color:var(--blue);color:#fff;text-decoration:none}
.pager{display:flex;justify-content:center;gap:8px;margin-top:36px}
.pager a,.pager span{padding:10px 16px;border-radius:10px;border:1px solid var(--line-2);background:#fff;font-weight:600}
.article{max-width:780px;margin:0 auto}
.article .cover{border-radius:var(--r-lg);overflow:hidden;margin:-30px 0 26px;box-shadow:var(--shadow)}
.article .cover img{width:100%;height:auto}

/* Apply page */
.apply-hdr{background:#fff;border-bottom:1px solid var(--line)}
.apply-hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.apply-hdr .need{font-size:14px;color:var(--muted)}
.apply-hdr .need a{font-weight:700}
.apply{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:start;padding-top:32px;padding-bottom:64px}
.apply-side{background:var(--navy);color:#c9d5f5;border-radius:var(--r-lg);padding:32px;position:sticky;top:24px;overflow:hidden}
.apply-side::after{content:"";position:absolute;right:-80px;bottom:-80px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(56,182,255,.35),transparent 70%)}
.apply-side h1{color:#fff;font-size:clamp(1.6rem,2.8vw,2.2rem)}
.sum{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:16px 18px;margin:22px 0;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.sum small{display:block;color:#9fb0e3;font-size:12.5px}
.sum b{color:#fff;font-size:20px}
.apply-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:30px}
.prog{display:flex;gap:8px;margin-bottom:24px}
.prog span{flex:1;height:6px;border-radius:99px;background:#e6ecf9;overflow:hidden;position:relative}
.prog span.on::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--sky),var(--blue))}
.steplabel{font-size:13px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.06em}
.pane{display:none}
.pane.on{display:block;animation:fade .3s ease}
.pane h2{font-size:1.5rem;margin:6px 0 4px}
.pane .sub{color:var(--muted);margin-bottom:22px}
.f{margin-bottom:18px}
.f label{display:block;font-weight:700;font-size:14.5px;margin-bottom:6px}
.f .opt{font-weight:500;color:var(--muted)}
.in{width:100%;min-height:52px;padding:12px 14px;border:1.5px solid var(--line-2);border-radius:12px;background:#fff;font-size:16px;transition:border-color .15s,box-shadow .15s}
.in:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,70,224,.12)}
.in.bad{border-color:#e0464e}
.pre{display:flex;align-items:center;border:1.5px solid var(--line-2);border-radius:12px;background:#fff;overflow:hidden}
.pre:focus-within{border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,70,224,.12)}
.pre span{padding:0 4px 0 14px;font-weight:700;color:var(--ink-2)}
.pre .in{border:0;box-shadow:none!important}
.err{color:#c62f37;font-size:13.5px;margin-top:6px;min-height:0}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.seg{display:grid;grid-template-columns:repeat(auto-fit,minmax(70px,1fr));gap:8px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{display:flex;align-items:center;justify-content:center;min-height:48px;border:1.5px solid var(--line-2);border-radius:12px;font-weight:700;cursor:pointer;margin:0;font-size:15px;text-align:center;padding:4px 8px}
.seg input:checked+label{border-color:var(--blue);background:#eef3ff;color:var(--blue)}
.seg input:focus-visible+label{outline:3px solid var(--sky)}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink-2);margin:6px 0 18px;line-height:1.5}
.chk input{width:20px;height:20px;margin-top:1px;flex-shrink:0;accent-color:var(--blue)}
.otp{display:flex;gap:12px;justify-content:flex-start;margin:6px 0 4px}
.otp input{width:58px;height:62px;text-align:center;font-size:26px;font-weight:800;border:1.5px solid var(--line-2);border-radius:14px}
.otp input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,70,224,.12)}
.ok-box{display:flex;gap:10px;align-items:center;padding:12px 14px;border-radius:12px;background:#e8f8f1;color:#0b6e4b;font-size:14px;font-weight:600;margin-bottom:18px}
.linkbtn{background:none;border:0;color:var(--blue);font-weight:700;cursor:pointer;padding:0}
.linkbtn[disabled]{color:var(--muted);cursor:default}
.nav-row{display:flex;gap:10px;margin-top:8px}
.nav-row .btn-line{flex:0 0 auto}
.nav-row .btn-primary{flex:1}
.done{text-align:center;padding:12px 0}
.done .big{width:76px;height:76px;margin:0 auto 18px;border-radius:50%;display:grid;place-items:center;background:#e6f7f0;color:var(--green)}
.done .ref{display:inline-block;padding:8px 16px;border-radius:10px;background:var(--bg);font-weight:800;letter-spacing:.04em;margin:8px 0 18px}
.closed{text-align:center;padding:10px 0}
.closed .big{width:76px;height:76px;margin:0 auto 18px;border-radius:50%;display:grid;place-items:center;background:#fff4e5;color:var(--amber)}
.est{display:flex;justify-content:space-between;align-items:center;padding:14px 16px;border-radius:12px;background:#f5f8ff;border:1px solid var(--line);margin:4px 0 20px;font-size:14px;color:var(--muted)}
.est b{font-size:19px;color:var(--ink)}
.secure{display:flex;align-items:center;gap:8px;justify-content:center;font-size:12.5px;color:var(--muted);margin-top:16px}
.secure svg{width:14px;height:14px}

/* Footer — same navy, enhanced: soft glows, logo-colour bar, icon contacts, trust strip */
.ftr{position:relative;overflow:hidden;color:#a9b6de;font-size:14.5px;padding-top:68px;
  background:radial-gradient(700px 360px at 0% 0%,rgba(56,182,255,.14),transparent 65%),radial-gradient(640px 380px at 100% 100%,rgba(214,36,110,.12),transparent 65%),linear-gradient(180deg,#0a174f 0%,#071039 55%,#050c2e 100%)}
.ftr::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--blue),var(--sky) 45%,var(--orange))}
.ftr .wrap{position:relative}
.ftr a{color:#d3dcf7;transition:color .15s}
.ftr a:hover{color:#fff;text-decoration:none}
.ftr .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
.ftr .logo{color:#fff!important;margin-bottom:16px}
.ftr .cols>div>p{max-width:340px}
.ftr h4{color:#fff;font-size:15.5px;margin-bottom:18px;padding-bottom:10px;position:relative}
.ftr h4::after{content:"";position:absolute;left:0;bottom:0;width:28px;height:3px;border-radius:3px;background:var(--orange)}
.ftr ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.ftr .cols ul:not(.contact) a{display:inline-block;transition:color .15s,transform .15s}
.ftr .cols ul:not(.contact) a:hover{transform:translateX(3px)}
.ftr .contact{margin-top:18px;gap:12px}
.ftr .contact li{display:flex;gap:12px;align-items:flex-start;line-height:1.5}
.ftr .ci{width:32px;height:32px;flex-shrink:0;border-radius:9px;display:grid;place-items:center;background:rgba(56,182,255,.12);border:1px solid rgba(56,182,255,.22);color:#7fd0ff}
.ftr .ci svg{width:16px;height:16px}
.ftr .contact li>a,.ftr .contact li>span:last-child{padding-top:5px}
.social{display:flex;gap:10px;margin-top:20px}
.social a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.08);display:grid;place-items:center;transition:background .15s,transform .15s}
.social a:hover{background:var(--blue);transform:translateY(-2px)}
.social svg{width:18px;height:18px;fill:#fff}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:48px}
.trust span{display:flex;align-items:center;gap:10px;padding:14px 16px;border-radius:14px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);color:#dbe4ff;font-weight:600;font-size:13.5px}
.trust svg{width:20px;height:20px;color:#3ddc97;flex-shrink:0}
.disc{margin-top:22px;padding:20px 22px;border-radius:14px;background:rgba(0,0,0,.18);border:1px solid rgba(255,255,255,.06);font-size:13px;line-height:1.75;color:#8d9bc6}
.disc p{margin:0 0 8px}
.disc p:last-child{margin:0}
.disc b{color:#c9d3f0}
.copy{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-top:26px;padding:20px 0 28px;border-top:1px solid rgba(255,255,255,.08);font-size:13px;color:#8d9bc6}
@media (max-width:900px){.trust{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.trust{grid-template-columns:1fr}.ftr{padding-top:52px}}

/* Error pages */
.errpage{text-align:center;padding:96px 0}
.errpage .code{font-size:clamp(4rem,12vw,7rem);font-weight:800;color:var(--blue);line-height:1;letter-spacing:-.04em}
.preview-bar{background:#ffe9a8;color:#6b4b00;text-align:center;padding:8px;font-weight:700;font-size:14px}

/* Responsive */
@media (max-width:1080px){
  .nav,.hdr-cta .btn-line{display:none}
  .burger{display:inline-flex}
  .hdr .wrap{justify-content:space-between}
  .hdr-cta{margin-left:auto}
  .g4{grid-template-columns:repeat(2,1fr)}
  .pbody{grid-template-columns:minmax(0,1fr) 300px}
  .ftr .cols{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr;min-height:0}
  .hero-copy{padding:40px 0 8px}
  .hero-art{min-height:0;height:auto;display:flex;flex-direction:column;align-items:center;padding-bottom:70px}
  .hero-art .ph{position:relative;right:auto;width:min(440px,100%)}
  .qcard{position:relative;left:auto;bottom:auto;margin-top:-60px;width:min(340px,100%)}
  .facts{grid-template-columns:1fr 1fr;margin-top:-40px}
  .facts div:nth-child(2){border-right:0}
  .facts div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr 1fr;row-gap:32px}
  .steps::before{display:none}
  .calc{grid-template-columns:1fr}
  .elig{grid-template-columns:1fr}
  .pbody,.pbody.legal{grid-template-columns:minmax(0,1fr)}
  .side{position:static}
  .toc{position:static}
  .apply{grid-template-columns:1fr}
  .apply-side{position:relative;top:auto;padding:24px}
  .apply-side .hide-m{display:none}
}
@media (max-width:600px){
  body{font-size:15.5px}
  .sec{padding:60px 0}
  .g2,.g3,.g4,.pts{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .step{display:grid;grid-template-columns:56px 1fr;gap:0 16px;text-align:left}
  .step .n{grid-row:span 2;margin:0}
  .calc .cin,.calc .cout{padding:22px}
  .blk{padding:22px}
  .band{padding:30px 24px}
  .apply-card{padding:22px 18px}
  .row2{grid-template-columns:1fr}
  .otp{gap:10px}
  .otp input{width:54px;height:58px}
  .ftr .cols{grid-template-columns:1fr 1fr;gap:28px 20px}
  .ftr .cols>div:first-child{grid-column:1/-1}
  .hdr .wrap{height:62px;gap:12px}
  .logo{font-size:20px}
  .logo img{height:34px;width:auto}
  .hdr-cta .btn{padding:0 16px;min-height:42px;font-size:14px}
  .hero .btns .btn{flex:1}
}

/* Safety bar (pattern from lender sites: fraud caution on top) */
.safebar{background:#071039;color:#c9d5f5;font-size:12.5px}
.safebar .wrap{display:flex;justify-content:center;padding-top:7px;padding-bottom:7px;text-align:center}
.safebar svg{width:14px;height:14px;display:inline;vertical-align:-2px;color:#3ddc97;margin-right:4px}
.safebar a{color:#fff;font-weight:700}

/* Hero mobile-number form */
.mform{display:flex;gap:10px;max-width:560px;margin-top:4px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);padding:8px;border-radius:999px}
.mbox{flex:1;display:flex;align-items:center;background:#fff;border-radius:999px;padding-left:18px;min-width:0}
.mbox span{font-weight:700;color:var(--ink-2);margin-right:6px}
.mbox input{border:0;outline:none;width:100%;min-width:0;min-height:52px;font-size:16px;background:none;color:var(--ink)}
.mform .btn{min-height:56px}
.mform.bad .mbox{box-shadow:0 0 0 3px #ff6b6b}
.mnote{font-size:13px;color:#9fb0e3;margin:12px 0 0}
.mnote svg{width:14px;height:14px;display:inline;vertical-align:-2px}
.mnote a{color:#dbe4ff;text-decoration:underline}

/* Offer cards (owner's reference style) */
.offers{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.offer{position:relative;display:flex;flex-direction:column;background:#fff;border-radius:22px;padding:46px 18px 18px;box-shadow:0 2px 6px rgba(15,26,61,.06),0 12px 28px rgba(15,26,61,.08);color:var(--ink);text-decoration:none!important;overflow:hidden;transition:transform .18s,box-shadow .18s}
.offer:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(15,26,61,.14)}
.ribbon{position:absolute;left:0;right:0;top:0;height:30px;display:flex;align-items:center;justify-content:center;gap:7px;color:#fff;font-size:12.5px;font-weight:700;letter-spacing:.03em;background:linear-gradient(90deg,#3c8a5f,#7fd6a0);border-radius:22px 22px 0 0}
.ribbon i{width:10px;height:10px;border-radius:50%;background:#fff;box-shadow:0 0 0 3px rgba(255,255,255,.35);animation:pulse 1.8s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 6px rgba(255,255,255,0)}}
.o-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.o-ico{width:48px;height:48px;border-radius:14px;border:1px solid var(--line);display:grid;place-items:center;color:var(--blue);background:#f7f9ff}
.o-ico svg{width:24px;height:24px}
.o-tag{font-size:12.5px;font-weight:700;color:#e8743f;background:#fdeadf;border-radius:99px;padding:5px 12px}
.offer h3{font-size:1.05rem;font-weight:700;margin:0 0 8px;min-height:2.4em}
.o-amt{font-size:26px;font-weight:800;letter-spacing:-.02em;color:var(--ink);line-height:1.1}
.o-amt small{font-size:14px;font-weight:500;color:var(--muted);letter-spacing:0;margin-right:2px}
.o-amt sup{font-size:12px;color:var(--muted)}
.ticker{margin:12px 0 14px;background:#f2f4f9;border-radius:99px;overflow:hidden;white-space:nowrap;font-size:12px;color:var(--ink-2);padding:5px 0;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.ticker span{display:inline-block;padding-left:100%;animation:tick 16s linear infinite}
@keyframes tick{to{transform:translateX(-100%)}}
.o-btn{margin-top:auto;display:flex;align-items:center;justify-content:center;min-height:50px;border-radius:16px;color:#fff;font-weight:700;font-size:16px;background:linear-gradient(180deg,#14213f,#17304f);box-shadow:0 6px 14px rgba(20,33,63,.3)}
.offer:hover .o-btn{background:linear-gradient(180deg,#1a2b52,#1d3b62)}

/* Pro tip banner */
.tips{display:flex;align-items:center;gap:16px;margin-top:26px;background:#fff;border-radius:20px;padding:16px 22px;box-shadow:var(--shadow)}
.bulb{font-size:34px;line-height:1}
.tip-list{flex:1;min-height:46px;position:relative}
.tip{display:none;margin:0}
.tip.on{display:block;animation:fade .4s ease}
.tip b{color:#8b5cf6}
.tip span{color:#8b5cf6;font-weight:700}
.tip small{display:block;color:var(--ink-2);font-size:14.5px;font-weight:600;margin-top:2px}
.tip-dots{display:flex;flex-direction:column;gap:6px}
.tip-dots i{width:9px;height:9px;border-radius:50%;background:#dfe9ee}
.tip-dots i.on{background:#3c8a5f}

/* Sticky mobile CTA + WhatsApp */
.mcta{display:none}
.wa{position:fixed;right:18px;bottom:22px;z-index:60;width:56px;height:56px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 8px 22px rgba(0,0,0,.25)}
@media (max-width:1080px){.offers{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){
  .safebar{font-size:11.5px}
  .hero .qcard{display:none}
  .hero-art{padding-bottom:56px}
  .mform{flex-direction:column;border-radius:20px;background:transparent;border:0;padding:0}
  .mform .btn{width:100%}
  .offers{gap:12px}
  .offer{padding:40px 12px 12px;border-radius:18px}
  .ribbon{height:26px;font-size:11px;border-radius:18px 18px 0 0}
  .o-ico{width:40px;height:40px;border-radius:12px}
  .o-tag{font-size:10.5px;padding:4px 8px}
  .offer h3{font-size:.95rem}
  .o-amt{font-size:21px}
  .o-amt small{font-size:12px}
  .o-btn{min-height:44px;font-size:14.5px;border-radius:13px}
  .tips{padding:14px 16px;gap:12px}
  .mcta{display:block;position:fixed;left:0;right:0;bottom:0;z-index:55;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);box-shadow:0 -6px 20px rgba(15,26,61,.12)}
  .mcta .btn{min-height:50px}
  body{padding-bottom:72px}
  .wa{bottom:86px;width:50px;height:50px}
}


/* ===== v3 (owner 2026-11-04 evening): FatakPay-style light, clean fintech layout ===== */
:root{--peach:#fff3e8;--lav:#f3efff;--sky-l:#eaf3ff}
body{background:#fff}
.sec{padding:88px 0}
.sec.alt{background:linear-gradient(180deg,#f6f9ff,#fff)}
/* Highlight boxes on headings (earlier BrightDhan style) */
.mark{display:inline-block;padding:0 .22em;margin:0 .04em;border-radius:6px;color:#fff;transform:rotate(-1.5deg);line-height:1.15}
.mark-o{background:var(--orange)}
.mark-p{background:var(--pink)}
.eyebrow2{display:inline-flex;align-items:center;gap:12px;font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--navy);margin-bottom:14px}
.eyebrow2::before{content:"";width:34px;height:3px;border-radius:3px;background:var(--orange)}
.eyebrow2.light{color:#fff}
.eyebrow2.light::before{background:var(--pink)}
.head.split{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;max-width:none;flex-wrap:wrap}
.head.split h2{margin:0}
.sec.navy .head p{color:#c9d5f5}

/* Hero — light */
.hero{background:radial-gradient(900px 500px at 0% 0%,#e6efff 0%,transparent 60%),radial-gradient(800px 520px at 100% 100%,#ffe9d6 0%,transparent 60%),#fbfcff;color:var(--ink)}
.hero::before{display:none}
.hero .wrap.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:center;min-height:0;padding-top:56px;padding-bottom:72px}
.hero-copy{padding:0}
.hero .chip{background:#fff;border:1px solid var(--line);color:var(--ink-2);box-shadow:0 2px 8px rgba(15,26,61,.06)}
.hero h1{color:var(--navy);margin:18px 0 18px;font-size:clamp(2.2rem,4.8vw,3.6rem)}
.hero .lead{color:var(--ink-2);max-width:560px}
.pills{display:grid;grid-template-columns:1fr 1fr;gap:10px;list-style:none;margin:0 0 24px;padding:0;max-width:560px}
.pills li{display:flex;align-items:center;gap:10px;padding:11px 14px;border-radius:14px;background:#fff;border:1px solid var(--line);font-weight:600;font-size:14.5px;color:var(--ink);box-shadow:0 2px 8px rgba(15,26,61,.04)}
.pills svg{width:20px;height:20px;color:var(--blue);flex-shrink:0}
.mform{background:#fff;border:1px solid var(--line);box-shadow:0 10px 30px rgba(15,26,61,.1)}
.mbox{background:transparent}
.mnote{color:var(--muted)}
.mnote a{color:var(--blue)}
.hero-phone{position:relative;display:flex;justify-content:center;padding:10px 40px}
.phone{position:relative;width:310px;border-radius:44px;background:#0f1a3d;padding:12px;box-shadow:0 30px 70px rgba(10,23,79,.28),inset 0 0 0 2px #2b3a6e}
.notch{position:absolute;top:12px;left:50%;transform:translateX(-50%);width:110px;height:24px;background:#0f1a3d;border-radius:0 0 16px 16px;z-index:2}
.screen{background:linear-gradient(180deg,#f3f7ff,#fff);border-radius:34px;padding:38px 16px 16px;min-height:520px;display:flex;flex-direction:column;gap:10px}
.app-top{display:flex;justify-content:space-between;align-items:center}
.app-top img{height:20px;width:auto}
.q-live{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:700;color:var(--green);background:#e6f7f0;border-radius:99px;padding:3px 9px}
.q-live i{width:7px;height:7px;border-radius:50%;background:var(--green);animation:pulse 1.6s infinite}
.app-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px;box-shadow:0 6px 18px rgba(15,26,61,.06)}
.app-card small,.app-lbl{font-size:12px;color:var(--muted);font-weight:600}
.q-amt{font-size:30px;font-weight:800;letter-spacing:-.02em;color:var(--navy);margin:2px 0 4px}
.chips-row{display:flex;flex-wrap:wrap;gap:6px}
.chips-row button{flex:1;min-width:46px;min-height:38px;border-radius:12px;border:1.5px solid var(--line-2);background:#fff;font-weight:700;font-size:13.5px;cursor:pointer;color:var(--ink-2)}
.chips-row button.on{border-color:var(--blue);background:#eef3ff;color:var(--blue)}
.q-out{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.q-out div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px 12px}
.q-out small{display:block;font-size:11.5px;color:var(--muted)}
.q-out b{font-size:17px;color:var(--navy)}
.q-date{font-size:13px;color:var(--ink-2);text-align:center}
.q-note{font-size:10.5px;color:var(--muted);text-align:center;margin:0;line-height:1.4}
.screen .btn{min-height:48px}
.float{position:absolute;z-index:3;display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px 14px;font-size:13px;font-weight:700;color:var(--ink);box-shadow:0 12px 28px rgba(15,26,61,.12);animation:bob 4s ease-in-out infinite}
.float svg{width:18px;height:18px;color:var(--green)}
.f1{top:60px;left:0}.f2{top:46%;right:0;animation-delay:1s}.f3{bottom:56px;left:6px;animation-delay:2s}
@keyframes bob{50%{transform:translateY(-8px)}}

/* Hooks strip */
.hookbar{background:var(--navy);overflow:hidden;white-space:nowrap;padding:14px 0}
.hook-track{display:inline-flex;gap:34px;animation:tick 38s linear infinite;padding-left:20px}
.hookbar span{display:inline-flex;align-items:center;gap:8px;color:#fff;font-weight:700;font-size:15px}
.hookbar svg{width:18px;height:18px;color:#3ddc97}
.hook-track{will-change:transform}
@keyframes tick2{to{transform:translateX(-50%)}}
.hook-track{animation-name:tick2}

/* Stacking cards */
.stack-sec{background:#fff}
.stack{display:grid;gap:28px}
.sk{position:sticky;top:96px;display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:center;min-height:380px;padding:34px 48px;border-radius:30px;border:1px solid #e3e6f5;box-shadow:0 -6px 24px rgba(15,26,61,.05)}
.sk1{background:linear-gradient(120deg,#f4f0ff,#fff 60%)}
.sk2{top:112px;background:linear-gradient(120deg,#fff4e8,#fff 60%)}
.sk3{top:128px;background:linear-gradient(120deg,#eaf3ff,#fff 60%)}
.sk4{top:144px;background:linear-gradient(120deg,#ecfbf3,#fff 60%)}
.sk-text h3{font-size:clamp(1.5rem,2.6vw,2.1rem);line-height:1.2;color:var(--navy);margin-bottom:12px}
.sk-text h3 em{font-style:normal;color:var(--blue)}
.sk2 .sk-text h3 em{color:var(--orange)}.sk3 .sk-text h3 em{color:var(--pink)}.sk4 .sk-text h3 em{color:var(--green)}
.sk-text p{color:var(--ink-2);font-size:16px;max-width:460px}
.sk-mock{display:flex;justify-content:center}
.mini-phone{width:230px;background:#fff;border:8px solid #0f1a3d;border-radius:32px;padding:18px 14px 14px;box-shadow:0 20px 40px rgba(15,26,61,.18);display:grid;gap:10px}
.mp-top{font-weight:800;font-size:13px;color:var(--navy);text-align:center}
.mp-ring{position:relative;width:130px;margin:0 auto}
.mp-ring span{position:absolute;inset:0;display:grid;place-content:center;text-align:center;font-weight:800;color:var(--navy);font-size:17px}
.mp-ring small{display:block;font-size:10px;color:var(--muted);font-weight:600}
.mp-row{display:flex;justify-content:space-between;font-size:12.5px;padding:8px 10px;border-radius:10px;background:#f5f7fd}
.mp-row b{color:var(--navy)}
.mp-btn{text-align:center;font-weight:700;font-size:13px;color:#fff;background:linear-gradient(135deg,var(--sky),var(--sky-d));border-radius:12px;padding:10px}
.mp-doc{display:flex;align-items:center;gap:10px;padding:10px;border-radius:12px;border:1px solid var(--line);font-size:12px}
.mp-doc span{font-size:22px}
.mp-doc div{flex:1}.mp-doc b{display:block;color:var(--navy)}.mp-doc small{color:var(--muted)}
.mp-doc i{font-style:normal;width:22px;height:22px;border-radius:50%;background:#e6f7f0;color:var(--green);display:grid;place-items:center;font-weight:800}
.mp-doc.muted{opacity:.6;border-style:dashed}
.gauge{text-align:center}.gauge svg{width:170px;margin:0 auto}.gauge b{display:block;color:var(--navy);font-size:17px;margin-top:-26px}.gauge small{color:var(--muted);font-size:11px}
.mp-bank{text-align:center;padding:12px;border-radius:14px;background:#ecfbf3}.mp-bank span{font-size:30px;display:block}.mp-bank b{display:block;font-size:22px;color:var(--green)}.mp-bank small{font-size:11px;color:var(--ink-2)}

/* Numbered key-point cards (01–04, earlier BrightDhan style) */
.kp{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.kp>div{border-radius:20px;padding:24px;min-height:190px}
.kp b{display:block;font-size:34px;font-weight:800;line-height:1;margin-bottom:14px;color:inherit}
.kp h3{font-size:1.15rem;margin-bottom:8px;color:inherit}
.kp p{margin:0;font-size:15px;opacity:.9}
.k1{background:#e3e8ff;color:var(--navy)}.k2{background:#bcc8ff;color:var(--navy)}.k3{background:#38b6ff;color:#06204d}.k4{background:var(--pink);color:#fff}

/* Basics slider (navy) */
.basics{position:relative;overflow:hidden}
.bslide{display:none}.bslide.on{display:block;animation:fade .45s ease}
.b-top{display:grid;grid-template-columns:.85fr 1.15fr;gap:40px;align-items:center;margin-bottom:34px}
.b-art{position:relative;aspect-ratio:5/4;border-radius:28px;background:linear-gradient(135deg,#ff7a1a,#f7b733);display:grid;place-items:center;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.b-art span{font-size:110px;line-height:1;filter:drop-shadow(0 14px 20px rgba(0,0,0,.25))}
.b-art em{position:absolute;left:18px;bottom:18px;font-style:normal;background:var(--navy);color:#fff;font-weight:800;padding:8px 14px;border-radius:12px}
.basics h2{color:#fff;font-size:clamp(2rem,4.4vw,3.4rem)}
.b-link{display:inline-block;margin-top:10px;font-weight:700;color:#7fd0ff}
.b-link.dark{color:var(--blue);margin-top:16px}
.b-nav{position:absolute;top:210px;width:58px;height:58px;border-radius:50%;border:0;background:#fff;color:var(--navy);font-size:22px;cursor:pointer;box-shadow:0 10px 26px rgba(0,0,0,.25)}
.b-nav.prev{left:calc(50% - var(--w)/2 - 6px)}.b-nav.next{right:calc(50% - var(--w)/2 - 6px)}
.b-dots{display:flex;gap:8px;justify-content:center;margin:30px auto 0;background:rgba(255,255,255,.08);border-radius:99px;padding:10px 18px;width:max-content}
.b-dots i{width:9px;height:9px;border-radius:99px;background:rgba(255,255,255,.4)}.b-dots i.on{width:40px;background:#fff}

/* Rates table */
.tbl.rates table{min-width:640px}
.tbl.rates th{background:var(--navy);color:#fff}
.tbl.rates tr:nth-child(even) td{background:#f7f9ff}

/* Reviews "first" card */
.rev.first{background:#fff7ee;border:0}
.rev.first .who{position:relative}
.rev .av.big{width:52px;height:52px;background:var(--navy);color:var(--orange);font-size:22px}
.rev .qq{position:absolute;right:0;top:-6px;font-size:44px;color:var(--orange);font-weight:800;line-height:1}
.rev.first small{color:var(--muted)}

/* Footer — LIGHT (owner: dark looked bad) */
.ftr{background:radial-gradient(700px 360px at 0% 0%,#ffe9d6,transparent 65%),radial-gradient(640px 380px at 100% 100%,#dfeaff,transparent 65%),linear-gradient(180deg,#fff8f1,#eef4ff);color:var(--ink-2)}
.ftr::before{background:linear-gradient(90deg,var(--blue),var(--sky) 45%,var(--orange))}
.ftr a{color:var(--navy)}
.ftr a:hover{color:var(--blue)}
.ftr .logo{color:var(--navy)!important}
.ftr h4{color:var(--navy)}
.ftr .ci{background:#e6efff;border-color:#cfdcfb;color:var(--blue)}
.social a{background:#fff;border-color:var(--line)}
.social svg{fill:var(--navy)}
.social a:hover svg{fill:#fff}
.trust span{background:#fff;border-color:var(--line);color:var(--navy)}
.trust svg{color:var(--green)}
.disc{background:rgba(255,255,255,.7);border-color:var(--line);color:var(--muted)}
.disc b{color:var(--navy)}
.copy{border-top-color:var(--line);color:var(--muted)}
.band{background:linear-gradient(120deg,var(--navy),#1d2f8f 55%,var(--blue))}

@media (max-width:1080px){.kp{grid-template-columns:1fr 1fr}.b-nav{display:none}}
@media (max-width:900px){
  .hero .wrap.hero-grid{grid-template-columns:1fr;padding-top:36px;padding-bottom:48px}
  .hero-phone{padding:10px 0 0}
  .float{display:none}
  .sk{grid-template-columns:1fr;padding:26px 22px;top:76px;min-height:0;gap:18px}
  .sk2{top:88px}.sk3{top:100px}.sk4{top:112px}
  .sk-mock{order:2}
  .b-top{grid-template-columns:1fr;gap:20px}
  .b-art{aspect-ratio:16/9}.b-art span{font-size:70px}
}
@media (max-width:600px){
  .sec{padding:60px 0}
  .pills{grid-template-columns:1fr 1fr;gap:8px}
  .pills li{font-size:12.5px;padding:9px 10px;gap:7px}
  .pills svg{width:16px;height:16px}
  .phone{width:290px}
  .screen{min-height:0}
  .kp{grid-template-columns:1fr 1fr;gap:12px}
  .kp>div{padding:18px;min-height:0}
  .kp b{font-size:26px}
  .kp h3{font-size:1rem}
  .kp p{font-size:13.5px}
  .mini-phone{width:210px}
  .hide-s{display:none}
  .head.split{align-items:flex-start}
}


/* Page heroes — light (v3) */
.phero{background:radial-gradient(800px 360px at 0% 0%,#e6efff,transparent 60%),radial-gradient(700px 360px at 100% 100%,#ffe9d6,transparent 60%),#fbfcff;color:var(--ink-2);border-bottom:1px solid var(--line)}
.phero::before{display:none}
.phero h1{color:var(--navy)}
.phero .crumbs,.phero .crumbs a{color:var(--muted)}
.phero .upd{color:var(--muted)}
.phero .eyebrow{color:var(--pink)!important}
.phero .pills{max-width:640px}
.scard{background:linear-gradient(160deg,var(--navy),#1d2f8f)}


/* Promo banners (owner reference: FatakPay "My Fatak Loans") */
.promos{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.promo{position:relative;display:grid;grid-template-columns:1.05fr .95fr;min-height:250px;border-radius:22px;background:#fff;border:2px solid #c9b8f5;box-shadow:0 10px 0 -2px #e5dbff,0 18px 34px rgba(76,46,170,.12);overflow:hidden;color:var(--ink);text-decoration:none!important;transition:transform .18s}
.promo:hover{transform:translateY(-3px)}
.pr2{border-color:#bcd3ff;box-shadow:0 10px 0 -2px #dbe8ff,0 18px 34px rgba(37,70,224,.12)}
.pr-text{padding:28px 0 28px 30px;display:flex;flex-direction:column;justify-content:center;gap:14px;position:relative;z-index:2}
.pr-text img{width:170px;height:auto}
.pr-kick{font-weight:800;font-size:22px;color:var(--navy)}
.pr-text p{font-size:17px;line-height:1.55;margin:0;max-width:260px}
.pr-btn{align-self:flex-start;display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 30px;border-radius:12px;color:#fff;font-weight:700;font-size:17px;background:linear-gradient(90deg,#ec5f43,#f4c35a);box-shadow:0 6px 14px rgba(236,95,67,.35)}
.pr2 .pr-btn{background:linear-gradient(90deg,var(--blue),var(--sky))}
.pr-art{position:relative}
.pr-art img{position:absolute;right:0;bottom:0;height:96%;width:auto;max-width:none;z-index:2}
.dots{position:absolute;inset:14% 12% 6% 0;background-image:radial-gradient(#9aa5c8 1.4px,transparent 1.6px);background-size:9px 9px;-webkit-mask-image:radial-gradient(closest-side,#000 55%,transparent);mask-image:radial-gradient(closest-side,#000 55%,transparent);opacity:.7}
.coin{position:absolute;z-index:3;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;font-style:normal;font-weight:800;color:#fff;background:radial-gradient(circle at 35% 30%,#ffd27a,#f19a1e 70%);box-shadow:0 4px 10px rgba(241,154,30,.45);font-size:16px;animation:bob 4s ease-in-out infinite}
.c1{top:8%;right:22%}.c2{bottom:12%;left:6%;width:26px;height:26px;font-size:12px;animation-delay:1.2s}.c3{bottom:20%;right:4%;animation-delay:2s}
@media (max-width:900px){.promos{grid-template-columns:1fr}}
@media (max-width:600px){.promo{min-height:210px}.pr-text{padding:22px 0 22px 20px;gap:10px}.pr-text img{width:130px}.pr-text p{font-size:15px}.pr-btn{min-height:44px;padding:0 20px;font-size:15px}.pr-kick{font-size:18px}}


/* v4: hero photo frame, quote + credit sections, count-up */
.hero-photo{position:relative;padding:20px 30px 40px}
.hp-frame{border-radius:36px;overflow:hidden;aspect-ratio:1/1.05;box-shadow:0 30px 70px rgba(10,23,79,.22);background:#0a174f}
.hp-frame img{width:100%;height:100%;object-fit:cover}
.hp-card{position:absolute;left:0;bottom:0;z-index:3;background:#fff;border-radius:18px;padding:14px 18px;box-shadow:0 18px 40px rgba(15,26,61,.18);color:var(--ink);text-decoration:none!important;min-width:220px}
.hp-card small{display:block;font-size:12px;color:var(--muted);font-weight:600}
.hp-card b{display:block;font-size:26px;color:var(--navy);letter-spacing:-.02em}
.hp-card span{font-size:13px;color:var(--green);font-weight:700}
.hero-photo .f1{top:0;left:auto;right:10px}.hero-photo .f2{top:45%;right:-6px}
.quote-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.quote-grid.rev{grid-template-columns:1.1fr .9fr}
.lead-b{font-size:17px;color:var(--ink-2);max-width:560px}
.cs-points{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
.cs-points div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px}
.cs-points b{display:block;color:var(--navy);font-size:15px}
.cs-points span{font-size:13.5px;color:var(--muted)}
.soon{display:inline-flex;align-items:center;gap:8px;padding:0 16px;min-height:48px;border-radius:999px;background:#fff4e8;color:#b45309;font-weight:700;font-size:14px}
.soon svg{width:18px;height:18px}
.cs-tag{font-size:11px;font-weight:700;color:#b45309;background:#fff4e8;border-radius:99px;padding:3px 9px}
.cs-gauge{position:relative;margin:4px auto 6px;width:220px}
.cs-gauge svg{width:220px;height:130px}
.cs-arc{transition:stroke-dasharray 1.6s ease}
.cs-num{position:absolute;left:0;right:0;top:58px;text-align:center}
.cs-num b{display:block;font-size:40px;font-weight:800;color:var(--navy);line-height:1}
.cs-num span{font-size:13px;font-weight:700;color:var(--green)}
.cs-scale{display:flex;justify-content:space-between;font-size:11px;color:var(--muted);padding:0 10px}
.cs-row{display:flex;justify-content:space-between;align-items:center;font-size:13px;padding:9px 12px;border-radius:12px;background:#fff;border:1px solid var(--line)}
.cs-row i{font-style:normal;font-weight:700;font-size:12px;border-radius:99px;padding:2px 9px}
.cs-row i.g{background:#e6f7f0;color:var(--green)}.cs-row i.a{background:#fff4e8;color:#b45309}
@media (max-width:900px){
  .hero-photo{padding:6px 0 30px}
  .hero-photo .float{display:inline-flex}
  .hero-photo .f1{top:-10px;right:8px}.hero-photo .f2{top:auto;bottom:90px;right:8px}
  .hp-card{left:12px;bottom:6px;min-width:0}
  .quote-grid,.quote-grid.rev{grid-template-columns:1fr;gap:28px}
  .quote-grid.rev .hero-phone{order:2}
}
@media (max-width:600px){.cs-points{grid-template-columns:1fr 1fr}.cs-points div{padding:11px}.hp-frame{border-radius:28px}}


/* v4b: credit score band (FatakPay pattern) + photo promo */
.credit-sec{background:linear-gradient(100deg,#f7f1ff 0%,#fdf2f6 45%,#fff7ec 100%);padding:80px 0;overflow:hidden}
.cs-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.cs-h{font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:500;color:#3b1f78;line-height:1.15}
.cs-h b{font-weight:800}
.cs-h .mark{font-weight:800}
.cs-cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:24px}
.cs-btn{cursor:default;opacity:.95}
.cs-art{position:relative;display:flex;justify-content:center;padding:30px 0}
.cs-phone{width:300px;background:#111;padding:10px;border-radius:46px}
.cs-phone .screen{background:linear-gradient(180deg,#fff 0%,#f6f0ff 100%);min-height:500px;align-items:stretch}
.cs-sub{text-align:center;font-size:13px;color:var(--ink-2);margin:6px 18px}
.cs-phone .cs-gauge{margin-top:40px}
.cs-num{top:46px}
.cs-num small{display:block;font-size:11px;font-weight:800;letter-spacing:.06em;color:#3b1f78}
.cs-num b{font-size:54px}
.coin.big{position:absolute;top:0;right:calc(50% - 190px);width:96px;height:96px;font-size:46px;z-index:4}
.coin.flat{position:absolute;width:30px;height:62px;border-radius:50%;font-size:14px;transform:rotate(25deg);z-index:1}
.f-a{left:6%;bottom:32%}.f-b{right:4%;top:46%}
.dotgrid{position:absolute;right:calc(50% - 250px);top:110px;width:90px;height:150px;background-image:radial-gradient(#ffcf7a 3px,transparent 3.5px);background-size:30px 30px}
.cs-card{position:absolute;left:calc(50% - 230px);bottom:70px;z-index:5;display:flex;align-items:center;gap:22px;background:#fff;border-radius:16px;padding:22px 24px;box-shadow:0 18px 40px rgba(15,26,61,.14)}
.cs-card b{font-size:18px;color:var(--ink);line-height:1.35}
.cs-card .ok{width:52px;height:52px;border-radius:50%;background:#22c55e;color:#fff;display:grid;place-items:center;font-weight:800;font-size:24px;box-shadow:0 0 0 6px #dcfce7}
.pr-art.photo img{right:0;bottom:0;height:100%;width:100%;object-fit:cover;-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 28%);mask-image:linear-gradient(90deg,transparent 0%,#000 28%)}
@media (max-width:900px){
  .cs-grid{grid-template-columns:1fr}
  .coin.big{right:8%;width:70px;height:70px;font-size:32px}
  .dotgrid{right:2%}
  .cs-card{left:2%;bottom:40px;padding:14px 16px;gap:12px}.cs-card b{font-size:15px}.cs-card .ok{width:40px;height:40px;font-size:18px}
}
@media (max-width:600px){.credit-sec{padding:56px 0}.cs-phone{width:260px}.cs-phone .screen{min-height:430px}}


/* Blog (fatakpay.com/blog pattern) */
.blog-banner{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:20px;border-radius:26px;overflow:hidden;background:linear-gradient(100deg,#fff6ec,#f4efff);border:1px solid var(--line)}
.bb-text{padding:36px 40px}
.bb-text h1{font-size:clamp(2rem,4vw,3rem);color:var(--navy);margin:6px 0 12px}
.bb-text p{color:var(--ink-2);margin:0;max-width:440px}
.bb-art{height:100%;min-height:260px}
.bb-art img{width:100%;height:100%;object-fit:cover;-webkit-mask-image:linear-gradient(90deg,transparent,#000 25%);mask-image:linear-gradient(90deg,transparent,#000 25%)}
.bchips{margin:26px 0 8px}
.bchips a{border-radius:99px;font-weight:500}
.blog-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;padding:20px 0 70px}
.bh{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.bh h2{font-size:1.6rem;margin:0}
.bcards{display:grid;grid-template-columns:1fr 1fr;gap:34px 30px}
.bcards.three{grid-template-columns:repeat(3,1fr)}
.bcard{display:block;color:var(--ink);text-decoration:none!important}
.bc-img{border-radius:6px;overflow:hidden;aspect-ratio:3/2;box-shadow:0 14px 26px -10px rgba(15,26,61,.35);background:#eef1f8}
.bc-img img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.bcard:hover .bc-img img{transform:scale(1.04)}
.bc-body{padding:18px 6px 0}
.bc-cat{font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#3b1f78}
.bcard h3{font-size:1.22rem;font-weight:500;line-height:1.4;margin:8px 0 10px;color:var(--ink)}
.bcard:hover h3{color:var(--blue)}
.bc-meta{font-size:11.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin:0 0 12px;line-height:1.6}
.bc-ex{font-size:14.5px;color:var(--ink-2);margin:0;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.btn.load{border-radius:6px;background:#f3f4f8;border-color:#e3e6ef;color:var(--ink);font-size:13px;letter-spacing:.06em;text-transform:uppercase;box-shadow:0 2px 0 #dfe2ea}
.featured{position:sticky;top:96px;align-self:start}
.featured h3{font-size:1.15rem;padding-bottom:10px;border-bottom:2px solid var(--line);margin-bottom:12px}
.featured a{display:flex;gap:12px;align-items:center;padding:10px 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none!important;font-size:14px;font-weight:600;line-height:1.35}
.featured a img{width:84px;height:56px;object-fit:cover;border-radius:6px;flex-shrink:0}
.featured small{display:block;font-weight:500;color:var(--muted);font-size:12px;margin-top:3px}
.featured .btn{border-bottom:0;justify-content:center;color:#fff}
@media (max-width:1000px){.blog-grid{grid-template-columns:1fr}.featured{position:static}.bcards.three{grid-template-columns:1fr 1fr}}
@media (max-width:700px){.blog-banner{grid-template-columns:1fr}.bb-text{padding:26px 22px}.bb-art{min-height:200px}.bb-art img{-webkit-mask-image:none;mask-image:none}.bcards,.bcards.three{grid-template-columns:1fr;gap:28px}}


/* Article page (fatakpay.com/blog/... pattern) */
.art-wrap{padding-top:26px}
.crumbs.dark,.crumbs.dark a{color:var(--muted)}
.art-grid{display:grid;grid-template-columns:56px minmax(0,1fr) 300px;gap:34px;align-items:start}
.share-rail{position:sticky;top:110px;display:flex;flex-direction:column;align-items:center;gap:14px}
.share-rail span{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.share-rail a{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:#fff;box-shadow:0 6px 16px rgba(15,26,61,.12);color:#25d366;font-weight:800;text-decoration:none!important}
.share-rail svg{width:18px;height:18px;fill:var(--blue)}
.art h1{font-size:clamp(1.8rem,3.4vw,2.6rem);color:var(--navy);margin:8px 0 10px}
.art .cover{border-radius:10px;overflow:hidden;margin:18px 0 22px;box-shadow:0 14px 30px -12px rgba(15,26,61,.35)}
.art .cover img{width:100%;height:auto}
.toc-box{border:1px solid var(--line);border-radius:12px;background:#f8f9fd;padding:14px 20px;margin-bottom:24px}
.toc-box summary{font-weight:700;cursor:pointer}
.toc-box ol{margin:10px 0 4px;padding-left:20px}
.toc-box li{margin:6px 0}
.toc-box a{color:var(--ink-2)}
.art-body{font-size:17px;line-height:1.85}
.art-body h2{font-size:1.5rem;margin-top:1.6em;color:var(--navy);scroll-margin-top:90px}
.art-body table{width:100%;border-collapse:collapse;margin:16px 0;font-size:15px}
.art-body th,.art-body td{border:1px solid var(--line-2);padding:10px 12px;text-align:left}
.art-body th{background:#f3f6fe}
.art-body .takeaways,.art-body blockquote{background:#fff7ee;border-left:4px solid var(--orange);border-radius:0 12px 12px 0;padding:14px 18px}
.author-box{display:flex;gap:16px;align-items:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:20px 0;margin:30px 0}
.author-box img{width:56px;height:56px;border-radius:50%}
.author-box b{display:block;color:var(--navy)}
.author-box span{font-size:14px;color:var(--muted)}
.link-table{border:1px solid var(--line-2);margin:20px 0}
.link-table>b{display:block;background:#f1f2f5;padding:14px 16px;border-bottom:1px solid var(--line-2)}
.link-table>div{display:grid;grid-template-columns:repeat(4,1fr)}
.link-table a{padding:14px 16px;border-right:1px solid var(--line-2);border-bottom:1px solid var(--line-2);color:var(--ink);text-decoration:underline;text-underline-offset:4px;font-size:15px}
.art-side{position:sticky;top:96px;display:grid;gap:22px}
.side-promo{position:relative;border-radius:20px;padding:22px 20px 0;background:linear-gradient(160deg,#f6f0ff,#fff4e8);overflow:hidden}
.side-promo h3{color:#3b1f78;font-size:1.3rem;line-height:1.3}
.side-promo h3 span{color:var(--orange)}
.side-promo p{font-size:13.5px;color:var(--ink-2)}
.side-promo img{width:72%;margin-left:auto;height:auto;-webkit-mask-image:linear-gradient(180deg,#000 80%,transparent);mask-image:linear-gradient(180deg,#000 80%,transparent)}
.side-promo .pr-btn{position:absolute;left:20px;bottom:24px;min-height:44px;padding:0 20px;font-size:15px}
.side-toc{border:1px solid var(--line);border-radius:14px;padding:14px 16px;max-height:50vh;overflow:auto}
.side-toc b{display:block;margin-bottom:8px}
.side-toc a{display:block;font-size:13.5px;color:var(--ink-2);padding:5px 0}
@media (max-width:1100px){.art-grid{grid-template-columns:minmax(0,1fr) 280px}.share-rail{display:none}}
@media (max-width:900px){.art-grid{grid-template-columns:1fr}.art-side{position:static}.side-toc{display:none}.link-table>div{grid-template-columns:1fr 1fr}}


/* Blog card image with the title on it (owner reference: FatakPay blog cards) */
.bc-img{position:relative}
.bc-ov{position:absolute;inset:0 0 auto 0;z-index:2;padding:22px 26px 60px;text-align:center}
.bc-ov b{display:block;font-size:clamp(1rem,1.9vw,1.45rem);font-weight:800;line-height:1.2;color:#2a1660;letter-spacing:-.01em}
.bc-ov span{display:block;margin-top:6px;font-size:clamp(.85rem,1.3vw,1.05rem);font-weight:600;color:#3b1f78}
.tint0 .bc-ov{background:linear-gradient(180deg,rgba(236,226,255,.97) 0%,rgba(236,226,255,.88) 55%,rgba(236,226,255,0) 100%)}
.tint1 .bc-ov{background:linear-gradient(180deg,rgba(255,236,210,.97) 0%,rgba(255,236,210,.88) 55%,rgba(255,236,210,0) 100%)}
.tint1 .bc-ov b{color:#3a2306}.tint1 .bc-ov span{color:#5a3a12}
.tint2 .bc-ov{background:linear-gradient(180deg,rgba(222,236,255,.97) 0%,rgba(222,236,255,.88) 55%,rgba(222,236,255,0) 100%)}
.tint2 .bc-ov b{color:#0a174f}.tint2 .bc-ov span{color:#1d2f8f}
.bcards.three .bc-ov{padding:14px 16px 40px}
.featured a .bc-ov{display:none}

@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.btn svg{width:18px;height:18px}
.nav .caret{width:14px;height:14px}
.burger svg{width:22px;height:22px}

/* v3 fixes: light cards inside navy sections keep dark text; header fits one line; floating chips clear the phone logo */
.sec.navy .card,.sec.navy .card b,.sec.navy .card h3{color:var(--ink)}
.sec.navy .card p{color:var(--ink-2)}
.sec.navy .kp .k1 h3,.sec.navy .kp .k2 h3,.sec.navy .kp .k1,.sec.navy .kp .k2{color:var(--navy)}
.sec.navy .kp .k3,.sec.navy .kp .k3 h3{color:#06204d}
.sec.navy .kp .k4 h3{color:#fff}
.nav a,.nav button{white-space:nowrap;padding:10px 9px;font-size:14.5px}
.hdr .wrap{gap:18px}
@media (max-width:1320px){.hdr-cta .btn-line{display:none}}
.f1{top:150px;left:-6px}
.lim{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
.f1{top:-8px;left:2%}.f2{top:44%;right:-12px}.f3{bottom:18px;left:-12px}
@media (max-width:600px){.chips-row button{min-width:0;padding:0 4px;font-size:13px}}

/* v5 blog cards (owner 2026-11-05: fatakpay.com "Our Recent Blogs" cards) */
.bcards{gap:34px 32px}
.bcard{display:flex;flex-direction:column;background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 10px 30px -12px rgba(15,26,61,.18),0 2px 6px rgba(15,26,61,.05);border-bottom:2px solid #f6d3b4;transition:transform .25s,box-shadow .25s}
.bcard:hover{transform:translateY(-4px);box-shadow:0 18px 40px -14px rgba(15,26,61,.26),0 2px 6px rgba(15,26,61,.06)}
.bcard .bc-img{border-radius:0;box-shadow:none;aspect-ratio:3/2}
.bcard:hover .bc-img img{transform:scale(1.03)}
.bc-ov{padding:18px 22px 64px;text-align:left}
.bc-logo{display:block;height:22px;width:auto;margin:0 0 12px}
.bc-ov b{font-size:clamp(1.05rem,1.7vw,1.35rem);max-width:78%}
.bc-ov span{max-width:78%}
.bcards.three .bc-ov{padding:16px 18px 44px}
.bcards.three .bc-logo{height:18px;margin-bottom:10px}
.bc-body{padding:24px 28px 26px;display:flex;flex-direction:column;flex:1}
.bcard h3{font-size:1.4rem;font-weight:700;line-height:1.3;margin:0 0 14px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;letter-spacing:-.01em}
.bc-ex{font-size:15px;line-height:1.75;color:#4a5068;-webkit-line-clamp:3;margin:0 0 18px}
.bc-more{margin-top:auto;display:inline-flex;align-items:center;gap:8px;font-size:16px;font-weight:600;color:#3b1f78}
.bcard:hover .bc-more{color:var(--blue)}
.bcard:hover .bc-more svg{transform:translateX(3px)}
.bc-more svg{transition:transform .2s}
@media (max-width:700px){.bc-body{padding:20px 20px 22px}.bcard h3{font-size:1.2rem}}
.bc-img .bc-ov img.bc-logo{width:auto;height:24px;object-fit:contain;transform:none!important}
.bcards.three .bc-img .bc-ov img.bc-logo{height:21px}

/* v5 hero (owner 2026-11-05: "fatakpay.com jaisa"): warm light band, own mandala, big headline + hashtag, cut-out model right */
.hx{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff6ee 0%,#fdeee0 100%);border-bottom:1px solid #f6e2cf}
.hx::before{content:"";position:absolute;width:1000px;height:1000px;right:-180px;top:50%;transform:translateY(-46%);background:url(img/mandala.svg) center/contain no-repeat;pointer-events:none}
.hx::after{content:"";position:absolute;width:520px;height:520px;left:-260px;bottom:-260px;background:url(img/mandala.svg) center/contain no-repeat;opacity:.5;pointer-events:none}
.hx-diyas{position:absolute;left:0;right:0;top:0;height:78px;background:url(img/diya.svg) 0 -6px/54px 78px repeat-x;z-index:1;pointer-events:none}
.hx-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.12fr .88fr;gap:24px;align-items:end;min-height:640px}
.hx-copy{align-self:center;padding:110px 0 70px}
.hx h1{margin:0 0 22px;font-size:clamp(2.4rem,5vw,4.3rem);font-weight:600;line-height:1.12;letter-spacing:-.025em;color:#1d2a8a}
.hx h1 em{display:block;margin-top:14px;font-style:italic;font-weight:800;font-size:.86em;color:#1d2a8a;letter-spacing:-.02em}
.hx-lead{max-width:540px;margin:0 0 30px;font-size:clamp(1rem,1.4vw,1.15rem);color:#4a4f68}
.hx-badges{display:flex;flex-wrap:wrap;gap:14px;margin:0 0 34px}
.hx-b{min-width:128px;padding:14px 18px;border-radius:16px;background:rgba(255,255,255,.85);border:1px solid #f3d9c2;box-shadow:0 8px 20px -10px rgba(120,60,10,.25);text-align:center}
.hx-b b{display:block;font-size:1.35rem;font-weight:800;color:#1d2a8a;line-height:1.2;white-space:nowrap}
.hx-b small{display:block;margin-top:3px;font-size:12.5px;color:#6b6f86;font-weight:500}
.hx-btns{display:flex;flex-wrap:wrap;gap:18px}
.hx-apply,.hx-calc{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:62px;padding:0 34px;border-radius:10px;font-size:1.2rem;font-weight:600;text-decoration:none!important;transition:transform .15s,box-shadow .15s}
.hx-apply{color:#fff;background:linear-gradient(90deg,#f0652f 0%,#f7a52c 70%,#ffd36a 100%);box-shadow:0 10px 22px -8px rgba(240,101,47,.6)}
.hx-calc{color:#fff;background:#1d2a8a;box-shadow:0 10px 22px -8px rgba(29,42,138,.55)}
.hx-calc i{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:#fff;color:#1d2a8a}
.hx-calc i svg{width:15px;height:15px}
.hx-apply:hover,.hx-calc:hover{transform:translateY(-2px)}
.hx-note{margin:20px 0 0;font-size:13px;color:#7a7e93}
.hx-art{position:relative;align-self:end;display:flex;justify-content:center}
.hx-art img{width:auto;max-width:100%;height:min(600px,78vh);object-fit:contain;object-position:bottom;filter:drop-shadow(0 20px 30px rgba(120,60,10,.12))}
@media (max-width:900px){
  .hx-grid{grid-template-columns:1fr;min-height:0;gap:0}
  .hx-copy{padding:84px 0 18px;text-align:left}
  .hx::before{width:640px;height:640px;right:-260px;top:auto;bottom:-120px;transform:none}
  .hx-art img{height:auto;width:min(380px,86vw)}
  .hx-badges{gap:10px}.hx-b{min-width:0;flex:1;padding:12px 8px}.hx-b b{font-size:1.1rem}
  .hx-btns{gap:12px}.hx-apply,.hx-calc{flex:1;min-height:54px;padding:0 16px;font-size:1.05rem}
}
@media (max-width:420px){.hx-calc{font-size:.98rem;gap:8px}.hx-calc i{width:24px;height:24px}}
/* promo + blog sidebar: straight cut-out of the man (owner: "ladka seedha") */
.pr-art img.straight{height:100%;right:4%}
.hx::before{opacity:.75}
.hx-art img{-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 9%);mask-image:linear-gradient(90deg,transparent 0,#000 9%)}
@media (max-width:480px){.hx-s{display:none}}
.hx-art img{-webkit-mask-image:none;mask-image:none;height:min(640px,80vh)}
@media (max-width:900px){.hx-art img{height:auto;width:min(400px,90vw)}}
/* hero in the BrightDhan theme (owner 2026-11-05: "website ka theme use karo", not FatakPay colours):
   light-blue page band, royal blue / navy text, light-blue pill button, royal-blue second button, pink accent on the hashtag */
.hx{background:radial-gradient(800px 500px at 0% 0%,#e3ecff 0%,transparent 65%),linear-gradient(180deg,#f5f8ff 0%,#e9f0ff 100%);border-bottom:1px solid var(--line)}
.hx::before{opacity:.6}.hx::after{opacity:.35}
.hx h1{color:var(--navy)}
.hx h1 em{color:var(--blue)}
.hx-lead{color:var(--ink-2)}
.hx-b{background:#fff;border-color:var(--line);box-shadow:0 8px 20px -10px rgba(37,70,224,.25)}
.hx-b b{color:var(--blue)}
.hx-b small{color:var(--muted)}
.hx-apply,.hx-calc{border-radius:999px}
.hx-apply{background:linear-gradient(135deg,var(--sky),var(--sky-d));box-shadow:0 10px 24px -8px rgba(30,139,255,.55)}
.hx-calc{background:var(--blue);box-shadow:0 10px 24px -8px rgba(37,70,224,.5)}
.hx-calc i{color:var(--blue)}
.hx-note{color:var(--muted)}
.hx-art img{filter:drop-shadow(0 20px 30px rgba(10,23,79,.12))}
/* promo + blog cards in the BrightDhan theme too (no FatakPay purple / orange) */
.promo{border-color:var(--line-2);box-shadow:0 10px 0 -2px #e3ecff,0 18px 34px rgba(37,70,224,.12)}
.pr-btn{border-radius:999px;background:linear-gradient(135deg,var(--sky),var(--sky-d));box-shadow:0 8px 18px rgba(30,139,255,.35)}
.pr2 .pr-btn{background:var(--blue);box-shadow:0 8px 18px rgba(37,70,224,.3)}
.side-promo{background:linear-gradient(160deg,#eaf1ff,#f7faff)}
.side-promo h3{color:var(--navy)}.side-promo h3 span{color:var(--blue)}
.bcard{border-bottom-color:#cddcff}
.bc-more,.bc-cat{color:var(--blue)}.bcard:hover .bc-more{color:var(--sky-d)}
.tint0 .bc-ov{background:linear-gradient(180deg,rgba(232,239,255,.97) 0%,rgba(232,239,255,.88) 55%,rgba(232,239,255,0) 100%)}
.tint1 .bc-ov{background:linear-gradient(180deg,rgba(240,246,255,.97) 0%,rgba(240,246,255,.88) 55%,rgba(240,246,255,0) 100%)}
.tint0 .bc-ov b,.tint1 .bc-ov b,.tint2 .bc-ov b{color:var(--navy)}.tint0 .bc-ov span,.tint1 .bc-ov span,.tint2 .bc-ov span{color:var(--blue)}