/* ==========================================================================
   BHARAT FINSERV — GLOBAL DESIGN SYSTEM & STYLESHEET
   Reference: Red / Burgundy Fintech Architecture
   ========================================================================== */

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

:root {
  --primary: #9E1B32;
  --primary-dark: #7F1428;
  --primary-light: #C9364B;
  --primary-hover: #8A1529;
  --primary-glow: rgba(158, 27, 50, 0.2);
  --primary-soft: #FBF2F4;
  --accent-gold: #DDA74F;

  --text-dark: #171717;
  --text-body: #333333;
  --text-muted: #5F5F5F;
  --text-light: #8E8E8E;

  --bg-light: #F7F7F7;
  --bg-surface: #FFFFFF;
  --bg-subtle: #F2F4F7;
  --border-color: #E8E8E8;
  --border-focus: #9E1B32;

  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-card: 24px;
  --radius-xl: 32px;
  --radius-pill: 9999px;

  --shadow-sm: 0 4px 12px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 10px 30px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 20px 45px rgba(0, 0, 0, 0.09);
  --shadow-card-hover: 0 20px 40px rgba(158, 27, 50, 0.12);

  --font-family: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

/* --------------------------------------------------------------------------
   RESET & BASE TYPOGRAPHY
   -------------------------------------------------------------------------- */
* {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
  overflow-x: hidden;
}

body {
  font-family: var(--font-family);
  color: var(--text-body);
  background-color: var(--bg-light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Make container use almost full screen width */
.container {
  max-width: 95% !important;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--text-dark);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: var(--transition);
}
a:hover {
  color: var(--primary-dark);
}

/* --------------------------------------------------------------------------
   TOP UTILITY BAR
   -------------------------------------------------------------------------- */
.top-bar {
  background: #FFFFFF;
  border-bottom: 1px solid var(--border-color);
  font-size: 0.825rem;
  padding: 8px 0;
  color: var(--text-muted);
}

.top-bar-tabs a {
  color: var(--text-muted);
  font-weight: 500;
  padding: 4px 14px;
  border-radius: var(--radius-pill);
  transition: var(--transition);
  display: inline-block;
}

.top-bar-tabs a.active,
.top-bar-tabs a:hover {
  color: var(--primary);
  background: var(--primary-soft);
  font-weight: 700;
}

.top-bar-links a {
  color: var(--text-muted);
  margin-left: 18px;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.top-bar-links a:hover {
  color: var(--primary);
}

/* --------------------------------------------------------------------------
   MAIN NAVBAR
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1020;
  background: #FFFFFF;
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.site-header.is-sticky {
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
}

.navbar-brand img {
  height: 44px;
  width: auto;
}

.navbar-nav .nav-link {
  color: var(--text-dark);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 14px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}

.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active {
  color: var(--primary);
}

.dropdown-menu {
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 12px 8px;
  animation: fadeIn 0.2s ease-in-out;
}

.dropdown-item {
  font-weight: 500;
  padding: 9px 16px;
  border-radius: var(--radius-sm);
  color: var(--text-body);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 8px;
}

.dropdown-item:hover {
  background: var(--primary-soft);
  color: var(--primary);
}

/* Header Action Buttons */
.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.btn-icon-link {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-dark);
  background: var(--bg-light);
  border: 1px solid var(--border-color);
  transition: var(--transition);
}

.btn-icon-link:hover {
  background: var(--primary-soft);
  color: var(--primary);
  border-color: rgba(158, 27, 50, 0.2);
}

.btn-primary-pill {
  background: var(--primary);
  color: #FFFFFF !important;
  border: 1px solid transparent;
  padding: 10px 24px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.925rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 14px rgba(158, 27, 50, 0.3);
  transition: var(--transition);
}

.btn-primary-pill:hover {
  background: var(--primary-dark);
  box-shadow: 0 6px 20px rgba(158, 27, 50, 0.4);
}

.btn-secondary-pill {
  background: #FFFFFF;
  color: var(--primary) !important;
  border: 1px solid var(--border-color);
  padding: 10px 22px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.925rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}

.btn-secondary-pill:hover {
  background: var(--primary-soft);
  border-color: var(--primary);
}

.btn-outline-pill {
  background: transparent;
  color: var(--primary) !important;
  border: 1.5px solid var(--primary);
  padding: 9px 22px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.925rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}

.btn-outline-pill:hover {
  background: var(--primary);
  color: #FFFFFF !important;
}

/* --------------------------------------------------------------------------
   HERO SECTION (Matching Reference Image)
   -------------------------------------------------------------------------- */
.hero-finserv {
  background: linear-gradient(135deg, #8A1529 0%, #9E1B32 50%, #701122 100%);
  background-image: url('../images/pattern-bg.svg'), linear-gradient(135deg, #8A1529 0%, #9E1B32 50%, #701122 100%);
  background-repeat: repeat;
  background-size: 140px auto, auto;
  color: #FFFFFF;
  position: relative;
  padding: 24px 0 65px 0;
  overflow: hidden;
}

.hero-finserv::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.12) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}

.hero-title {
  font-size: clamp(2rem, 3.6vw, 3.1rem);
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.15;
  margin-bottom: 14px;
}

.hero-subtitle {
  font-size: 1.025rem;
  color: rgba(255, 255, 255, 0.88);
  max-width: 560px;
  margin-bottom: 18px;
  line-height: 1.5;
}

/* Search bar inside Hero (from Reference) */
.hero-search-box {
  background: #FFFFFF;
  border-radius: var(--radius-pill);
  padding: 4px 6px 4px 18px;
  display: flex;
  align-items: center;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.15);
  max-width: 540px;
  margin-bottom: 18px;
}

.hero-search-box input {
  border: none;
  outline: none;
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--text-dark);
  width: 100%;
  background: transparent;
  padding: 8px 12px;
}

.hero-search-box input::placeholder {
  color: #8E8E8E;
}

.hero-search-box .search-btn {
  background: var(--primary);
  color: #FFFFFF;
  border: none;
  border-radius: var(--radius-pill);
  padding: 10px 22px;
  font-weight: 700;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.hero-search-box .search-btn:hover {
  background: var(--primary-dark);
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 600;
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.2);
}

/* Hero Visual & Feature Cards */
.hero-visual-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
}

.hero-graphic-card {
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(16px);
  border-radius: var(--radius-card);
  padding: 24px 22px;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.22);
  color: var(--text-dark);
  max-width: 440px;
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.6);
}

/* --------------------------------------------------------------------------
   OVERLAPPING QUICK SERVICE NAVIGATOR (Signature Reference UI)
   -------------------------------------------------------------------------- */
.service-quick-container {
  margin-top: -65px;
  position: relative;
  z-index: 10;
}

.service-quick-card {
  background: #FFFFFF;
  border-radius: 24px;
  box-shadow: 0 15px 45px rgba(0, 0, 0, 0.08);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.service-icon-list {
  display: flex;
  align-items: center;
  gap: 20px;
  overflow-x: auto;
  padding-bottom: 2px;
}

.service-quick-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  color: var(--text-muted);
  font-weight: 600;
  font-size: 0.825rem;
  min-width: 64px;
  text-decoration: none;
  transition: var(--transition);
}

.service-icon-circle {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: #F4F5F7;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--text-dark);
  border: 1.5px solid #E8EBF0;
  transition: var(--transition);
}

.service-quick-item:hover,
.service-quick-item.active {
  color: var(--primary);
}

.service-quick-item:hover .service-icon-circle {
  border-color: var(--primary);
  color: var(--primary);
  box-shadow: 0 4px 12px var(--primary-glow);
}

.service-quick-item.active .service-icon-circle {
  background: var(--primary);
  color: #FFFFFF;
  border-color: var(--primary);
  box-shadow: 0 8px 20px rgba(158, 27, 50, 0.35);
}

.service-quick-message {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-dark);
  max-width: 270px;
  line-height: 1.35;
  border-left: 2px solid var(--primary);
  padding-left: 16px;
}

/* --------------------------------------------------------------------------
   CONTENT CARDS (Matching Reference Cards)
   -------------------------------------------------------------------------- */
.finserv-card {
  background: #FFFFFF;
  border-radius: var(--radius-card);
  padding: 36px 32px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-color);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.finserv-card:hover {
  box-shadow: var(--shadow-card-hover);
  border-color: rgba(158, 27, 50, 0.2);
}

.card-tag {
  font-size: 0.775rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 12px;
  display: block;
}

.card-title {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 16px;
  line-height: 1.3;
}

.card-features-list {
  list-style: none;
  padding: 0;
  margin: 0 0 26px 0;
}

.card-features-list li {
  font-size: 0.925rem;
  color: var(--text-body);
  margin-bottom: 10px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.card-features-list li i {
  color: var(--primary);
  font-size: 1rem;
  margin-top: 3px;
  flex-shrink: 0;
}

.card-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

/* Graphic elements inside cards */
.card-illus-wrapper {
  background: var(--bg-light);
  border-radius: var(--radius-md);
  padding: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

/* --------------------------------------------------------------------------
   CALCULATORS COMPONENT
   -------------------------------------------------------------------------- */
.calculator-card {
  background: #FFFFFF;
  border-radius: var(--radius-card);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-color);
}

.calc-input-group {
  margin-bottom: 28px;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

.calc-label {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-dark);
}

.calc-val-box {
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding: 6px 14px;
  font-weight: 800;
  font-size: 1rem;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 4px;
}

.calc-val-box input {
  border: none;
  background: transparent;
  outline: none;
  font-weight: 800;
  font-size: 1rem;
  color: var(--primary);
  width: 110px;
  text-align: right;
}

/* Custom range sliders */
input[type="range"].form-range {
  height: 8px;
  border-radius: 4px;
  background: #E5E7EB;
  outline: none;
}

input[type="range"].form-range::-webkit-slider-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #FFFFFF;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  cursor: pointer;
  transition: transform 0.15s ease;
}

input[type="range"].form-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calc-results-box {
  background: linear-gradient(135deg, #171717 0%, #2A2A2A 100%);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  color: #FFFFFF;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-emi-headline {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 600;
  margin-bottom: 6px;
}

.calc-emi-amount {
  font-size: 2.3rem;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.1;
  margin-bottom: 24px;
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.925rem;
}

.calc-breakdown-row:last-child {
  border-bottom: none;
}

/* --------------------------------------------------------------------------
   FORMS & INPUTS
   -------------------------------------------------------------------------- */
.finserv-form .form-label {
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--text-dark);
  margin-bottom: 6px;
}

.finserv-form .form-control,
.finserv-form .form-select {
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding: 11px 16px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-dark);
  transition: var(--transition);
  background-color: #FFFFFF;
}

.finserv-form .form-control:focus,
.finserv-form .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px var(--primary-glow);
  outline: none;
}

/* --------------------------------------------------------------------------
   TRUST BADGES & STATS
   -------------------------------------------------------------------------- */
.stat-box {
  text-align: center;
  padding: 24px 16px;
}

.stat-number {
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.1;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.925rem;
  color: var(--text-muted);
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   FOOTER
   -------------------------------------------------------------------------- */
.site-footer {
  background: #111111;
  color: #A0A0A0;
  padding-top: 40px;
  font-size: 0.9rem;
}

.footer-heading {
  color: #FFFFFF;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 20px;
  letter-spacing: -0.01em;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

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

.footer-links a {
  color: #A0A0A0;
  transition: var(--transition);
}

.footer-links a:hover {
  color: #FFFFFF;
  padding-left: 4px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 18px 0;
  margin-top: 30px;
  font-size: 0.85rem;
}

.footer-disclaimer {
  font-size: 0.775rem;
  color: #777777;
  line-height: 1.5;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 24px;
  margin-top: 24px;
}

/* --------------------------------------------------------------------------
   FLOATING WHATSAPP & CALL
   -------------------------------------------------------------------------- */
.floating-whatsapp {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 60px;
  height: 60px;
  background: #25D366;
  color: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 30px;
  box-shadow: 0 8px 25px rgba(37, 211, 102, 0.45);
  z-index: 1000;
  transition: var(--transition);
}

.floating-whatsapp:hover {
  color: #FFFFFF;
  box-shadow: 0 8px 30px rgba(37, 211, 102, 0.5);
}

/* --------------------------------------------------------------------------
   BREADCRUMBS & INNER PAGE HEADERS
   -------------------------------------------------------------------------- */
.page-header-banner {
  background: linear-gradient(135deg, #8A1529 0%, #9E1B32 100%);
  background-image: url('../images/pattern-bg.svg'), linear-gradient(135deg, #8A1529 0%, #9E1B32 100%);
  color: #FFFFFF;
  padding: 40px 0 35px 0;
  margin-bottom: 30px;
}

.page-header-banner h1 {
  color: #FFFFFF;
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 12px;
}

.page-header-banner p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.05rem;
  max-width: 680px;
}

.breadcrumb-finserv {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 14px;
}

.breadcrumb-finserv a {
  color: rgba(255, 255, 255, 0.85);
}

.breadcrumb-finserv a:hover {
  color: #FFFFFF;
  text-decoration: underline;
}

/* --------------------------------------------------------------------------
   UTILITY CLASSES
   -------------------------------------------------------------------------- */
.max-w-700 {
  max-width: 700px;
}

.letter-spacing-1 {
  letter-spacing: 0.08em;
}

/* --------------------------------------------------------------------------
   TESTIMONIALS SECTION
   -------------------------------------------------------------------------- */
.testimonial-swiper {
  padding-bottom: 50px;
}

.testimonial-card {
  background: #FFFFFF;
  border-radius: var(--radius-card);
  padding: 36px 32px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-color);
  transition: var(--transition);
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: rgba(158, 27, 50, 0.15);
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 18px;
  font-size: 1.1rem;
  color: #F59E0B;
}

.testimonial-text {
  font-size: 1.05rem;
  color: var(--text-body);
  line-height: 1.7;
  font-style: italic;
  flex-grow: 1;
  margin-bottom: 24px;
  position: relative;
}

.testimonial-text::before {
  content: '"';
  position: absolute;
  top: -30px;
  left: -5px;
  font-size: 4rem;
  color: var(--primary-glow);
  font-family: Georgia, serif;
  line-height: 1;
  pointer-events: none;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 18px;
  border-top: 1px solid var(--border-color);
}

.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.95rem;
  flex-shrink: 0;
}

/* Swiper pagination dots */
.testimonial-swiper .swiper-pagination-bullet {
  width: 10px;
  height: 10px;
  background: var(--border-color);
  opacity: 1;
  transition: var(--transition);
}

.testimonial-swiper .swiper-pagination-bullet-active {
  background: var(--primary);
  width: 28px;
  border-radius: 5px;
}

/* --------------------------------------------------------------------------
   BLOG PREVIEW CARDS
   -------------------------------------------------------------------------- */
.blog-card {
  background: #FFFFFF;
  border-radius: var(--radius-card);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-color);
  transition: var(--transition);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
  border-color: rgba(158, 27, 50, 0.2);
}

.blog-card-img {
  height: 180px;
  position: relative;
  display: flex;
  align-items: flex-start;
  padding: 20px;
  overflow: hidden;
}

.blog-card-category {
  background: rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(8px);
  color: #FFFFFF;
  font-size: 0.775rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.25);
}

.blog-card-body {
  padding: 24px;
  flex-grow: 1;
  display: flex;
  flex-direction: column;
}

.blog-card-date {
  font-size: 0.8rem;
  color: var(--text-light);
  font-weight: 600;
  margin-bottom: 10px;
}

.blog-card-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.35;
  margin-bottom: 12px;
}

.blog-card-excerpt {
  font-size: 0.925rem;
  color: var(--text-muted);
  line-height: 1.6;
  flex-grow: 1;
  margin-bottom: 16px;
}

.blog-card-link {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.925rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.blog-card-link:hover {
  color: var(--primary-dark);
  gap: 10px;
}

/* --------------------------------------------------------------------------
   CTA CONVERSION BANNER
   -------------------------------------------------------------------------- */
.cta-banner-section {
  background: linear-gradient(135deg, #8A1529 0%, #9E1B32 40%, #701122 100%);
  background-image: url('../images/pattern-bg.svg'), linear-gradient(135deg, #8A1529 0%, #9E1B32 40%, #701122 100%);
  background-repeat: repeat;
  background-size: 140px auto, auto;
  color: #FFFFFF;
  padding: 50px 0;
  position: relative;
  overflow: hidden;
}

.cta-banner-section::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.cta-banner-section::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: -80px;
  width: 350px;
  height: 350px;
  background: radial-gradient(circle, rgba(221, 167, 79, 0.1) 0%, rgba(221, 167, 79, 0) 70%);
  pointer-events: none;
}

.cta-banner-inner {
  position: relative;
  z-index: 1;
  max-width: 700px;
  margin: 0 auto;
}

.cta-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  padding: 8px 20px;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 700;
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.2);
  letter-spacing: 0.03em;
}

.cta-banner-title {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.2;
  margin-bottom: 16px;
}

.cta-banner-subtitle {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.6;
  max-width: 580px;
  margin: 0 auto;
}

.cta-disclaimer {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.65);
  font-weight: 500;
}

/* Override secondary pill on dark bg */
.cta-banner-section .btn-secondary-pill {
  background: rgba(255, 255, 255, 0.15);
  color: #FFFFFF !important;
  border-color: rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(8px);
}

.cta-banner-section .btn-secondary-pill:hover {
  background: rgba(255, 255, 255, 0.25);
  border-color: rgba(255, 255, 255, 0.5);
}

/* --------------------------------------------------------------------------
   FADEUP ANIMATION KEYFRAMES
   -------------------------------------------------------------------------- */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* --------------------------------------------------------------------------
   ENTERPRISE FINTECH RATE MATRIX & GEO HUB STYLES
   -------------------------------------------------------------------------- */
.rate-matrix-section {
  background-color: #f8fafc;
}

.lender-row {
  transition: background-color 0.2s ease, transform 0.2s ease;
}

.lender-row:hover {
  background-color: #fff9f9 !important;
}

.rate-cat-btn {
  font-size: 0.85rem;
  font-weight: 600;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

.rate-cat-btn.active {
  background-color: var(--primary, #9E1B32) !important;
  border-color: var(--primary, #9E1B32) !important;
  color: #fff !important;
  box-shadow: 0 4px 12px rgba(158, 27, 50, 0.25);
}

.calc-preset-chip {
  font-size: 0.8rem;
  font-weight: 600;
  transition: all 0.2s ease;
}

.calc-preset-chip.active {
  background-color: var(--primary, #9E1B32) !important;
  border-color: var(--primary, #9E1B32) !important;
  color: #fff !important;
}

.branch-hub-card {
  border: 1px solid #e2e8f0;
  border-radius: 20px;
  background: #ffffff;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
}

.branch-hub-card:hover {
  transform: translateY(-5px);
  border-color: #cbd5e1;
  box-shadow: 0 16px 32px rgba(0, 0, 0, 0.08) !important;
}

.branch-hub-card.nearest-active-hub {
  border: 2px solid #9E1B32 !important;
  box-shadow: 0 16px 36px rgba(158, 27, 50, 0.18) !important;
  background: #fffdfd;
}

.live-branch-distance-tag {
  position: absolute;
  top: -12px;
  right: 20px;
  background: #1e293b;
  color: #ffffff;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 9999px;
  box-shadow: 0 4px 10px rgba(0,0,0,0.15);
  animation: fadeIn 0.3s ease;
}

.animate-pulse {
  animation: pulse-dot 1.5s infinite;
}

@keyframes pulse-dot {
  0% { transform: scale(0.95); opacity: 0.7; }
  50% { transform: scale(1.15); opacity: 1; }
  100% { transform: scale(0.95); opacity: 0.7; }
}

.emi-svg-donut {
  filter: drop-shadow(0 4px 10px rgba(0,0,0,0.3));
}