/* ==========================================================================
   StudentMitraa - Education Loan Vertical Stylesheet
   Design Principles: Mobile-first, sleek micro-animations, accessible contrast,
   system font stack (no Google Fonts dependencies).
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Theme Variables & Base Foundation
   -------------------------------------------------------------------------- */
:root {
    color-scheme: light;
    --loan-page: #f8fafc;
    --loan-surface: #ffffff;
    --loan-surface-raised: #f1f5f9;
    --loan-surface-soft: #eef4ff;
    --loan-card-bg: #ffffff;
    --loan-text: #0f172a;
    --loan-text-secondary: #334155;
    --loan-muted: #64748b;
    --loan-line: #e2e8f0;
    --loan-line-subtle: #edf2f7;
    --loan-brand: #2563eb;
    --loan-brand-dark: #1e40af;
    --loan-brand-light: #dbeafe;
    --loan-accent: #f97316;
    --loan-emerald: #059669;
    --loan-emerald-bg: #ecfdf5;
    --loan-purple: #7c3aed;
    --loan-amber: #d97706;
    --loan-amber-bg: #fffbeb;
    --loan-shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.05);
    --loan-shadow-md: 0 10px 25px -5px rgba(15, 23, 42, 0.08), 0 8px 10px -6px rgba(15, 23, 42, 0.04);
    --loan-shadow-lg: 0 20px 35px -10px rgba(15, 23, 42, 0.12), 0 10px 15px -8px rgba(15, 23, 42, 0.06);
    --loan-radius-sm: 10px;
    --loan-radius-md: 16px;
    --loan-radius-lg: 24px;
    --loan-radius-pill: 9999px;
    --loan-transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

@media (prefers-color-scheme: dark) {
    :root {
        color-scheme: dark;
        --loan-page: #070d18;
        --loan-surface: #0f172a;
        --loan-surface-raised: #1e293b;
        --loan-surface-soft: #172554;
        --loan-card-bg: #0d1527;
        --loan-text: #f8fafc;
        --loan-text-secondary: #cbd5e1;
        --loan-muted: #94a3b8;
        --loan-line: #1e293b;
        --loan-line-subtle: #1e293b;
        --loan-brand: #3b82f6;
        --loan-brand-dark: #60a5fa;
        --loan-brand-light: #1e3a8a;
        --loan-emerald: #10b981;
        --loan-emerald-bg: #064e3b;
        --loan-amber: #f59e0b;
        --loan-amber-bg: #451a03;
        --loan-shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.3);
        --loan-shadow-md: 0 10px 25px -5px rgba(0, 0, 0, 0.4);
        --loan-shadow-lg: 0 20px 35px -10px rgba(0, 0, 0, 0.5);
    }
}

html {
    scroll-behavior: smooth;
}

/* Base resets specifically avoiding Google Font imports */
body.loan-page-body {
    background-color: var(--loan-page);
    color: var(--loan-text);
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    line-height: 1.5;
    margin: 0;
    padding: 0;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

/* Shared page shell layout */
.loan-shell {
    max-width: 1200px;
    margin: 0 auto;
    padding: 24px 20px 80px;
}

/* --------------------------------------------------------------------------
   2. Hero Slider Component (Touch friendly, responsive, animated)
   -------------------------------------------------------------------------- */
.loan-hero-slider-wrap {
    position: relative;
    border-radius: var(--loan-radius-lg);
    overflow: hidden;
    margin-bottom: 40px;
    box-shadow: var(--loan-shadow-lg);
    background: linear-gradient(135deg, #0b1528 0%, #112344 60%, #0d3880 100%);
    color: #ffffff;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.loan-slider-container {
    position: relative;
    min-height: 480px;
    display: flex;
    overflow: hidden;
    touch-action: pan-y;
}

.loan-slide {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    padding: 48px 48px 56px;
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(300px, 0.9fr);
    gap: 36px;
    align-items: center;
    opacity: 0;
    visibility: hidden;
    transform: translateX(48px) scale(0.985);
    filter: blur(4px);
    transition: opacity 0.65s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.65s cubic-bezier(0.16, 1, 0.3, 1),
                filter 0.65s cubic-bezier(0.16, 1, 0.3, 1),
                visibility 0.65s ease;
    z-index: 1;
    pointer-events: none;
}

.loan-slide.active {
    opacity: 1;
    visibility: visible;
    transform: translateX(0) scale(1);
    filter: blur(0);
    z-index: 2;
    pointer-events: auto;
}

.loan-slide.slide-in-right {
    animation: slideInFromRight 0.65s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.loan-slide.slide-in-left {
    animation: slideInFromLeft 0.65s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.loan-slide.slide-out-left {
    opacity: 0;
    visibility: hidden;
    transform: translateX(-48px) scale(0.98);
    filter: blur(4px);
    z-index: 1;
    pointer-events: none;
}

.loan-slide.slide-out-right {
    opacity: 0;
    visibility: hidden;
    transform: translateX(48px) scale(0.98);
    filter: blur(4px);
    z-index: 1;
    pointer-events: none;
}

@keyframes slideInFromRight {
    0% {
        opacity: 0;
        transform: translateX(52px) scale(0.98);
        filter: blur(4px);
    }
    100% {
        opacity: 1;
        transform: translateX(0) scale(1);
        filter: blur(0);
    }
}

@keyframes slideInFromLeft {
    0% {
        opacity: 0;
        transform: translateX(-52px) scale(0.98);
        filter: blur(4px);
    }
    100% {
        opacity: 1;
        transform: translateX(0) scale(1);
        filter: blur(0);
    }
}

/* Micro-stagger for elements inside active slide */
.loan-slide.active .loan-pill-badge {
    animation: heroSlideTextIn 0.5s cubic-bezier(0.16, 1, 0.3, 1) 0.04s both;
}
.loan-slide.active .loan-slide-title {
    animation: heroSlideTextIn 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.1s both;
}
.loan-slide.active .loan-slide-desc {
    animation: heroSlideTextIn 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.16s both;
}
.loan-slide.active .loan-slide-actions {
    animation: heroSlideTextIn 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.22s both;
}
.loan-slide.active .loan-slide-features {
    animation: heroSlideTextIn 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.28s both;
}
.loan-slide.active .loan-slide-visual {
    animation: heroSlideVisualIn 0.65s cubic-bezier(0.16, 1, 0.3, 1) 0.12s both;
}

@keyframes heroSlideTextIn {
    0% {
        opacity: 0;
        transform: translateY(14px);
    }
    100% {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes heroSlideVisualIn {
    0% {
        opacity: 0;
        transform: scale(0.96) translateY(10px);
    }
    100% {
        opacity: 1;
        transform: scale(1) translateY(0);
    }
}

.loan-slide-content {
    max-width: 620px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.loan-pill-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--loan-radius-pill);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.02em;
    color: #7dd3fc;
    margin-bottom: 18px;
    backdrop-filter: blur(8px);
}

.loan-slide-title {
    font-size: clamp(28px, 4.2vw, 44px);
    font-weight: 800;
    line-height: 1.18;
    margin: 0 0 16px;
    color: #ffffff;
    letter-spacing: -0.02em;
}

.loan-slide-title span {
    background: linear-gradient(135deg, #38bdf8 0%, #818cf8 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.loan-slide-desc {
    font-size: clamp(14px, 1.8vw, 16px);
    line-height: 1.6;
    color: #cbd5e1;
    margin: 0 0 28px;
}

.loan-slide-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 24px;
}

.loan-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: var(--loan-radius-pill);
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    cursor: pointer;
    border: none;
    transition: var(--loan-transition);
    user-select: none;
    -webkit-tap-highlight-color: transparent;
}

.loan-btn-primary {
    background: #2563eb;
    color: #ffffff;
    box-shadow: 0 4px 14px rgba(37, 99, 235, 0.4);
}

.loan-btn-primary:hover {
    background: #1d4ed8;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(37, 99, 235, 0.5);
}

.loan-btn-secondary {
    background: rgba(255, 255, 255, 0.12);
    color: #ffffff;
    border: 1px solid rgba(255, 255, 255, 0.25);
    backdrop-filter: blur(10px);
}

.loan-btn-secondary:hover {
    background: rgba(255, 255, 255, 0.22);
    transform: translateY(-2px);
}

.loan-slide-features {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    font-size: 12.5px;
    color: #94a3b8;
}

.loan-slide-features span {
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.loan-slide-features i {
    color: #38bdf8;
}

/* Slide Right-side Visual Graphic Card */
.loan-slide-visual {
    display: flex;
    justify-content: center;
    align-items: center;
    position: relative;
}

.loan-feature-card {
    background: rgba(15, 23, 42, 0.7);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--loan-radius-md);
    padding: 24px;
    width: 100%;
    max-width: 340px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.35);
    backdrop-filter: blur(16px);
    animation: floatVisual 4s ease-in-out infinite alternate;
}

@keyframes floatVisual {
    0% { transform: translateY(0px); }
    100% { transform: translateY(-8px); }
}

.loan-feature-badge-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.loan-live-status-pill {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: #34d399;
    background: rgba(16, 185, 129, 0.15);
    padding: 3px 8px;
    border-radius: 6px;
}

.loan-live-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: #34d399;
    box-shadow: 0 0 8px #34d399;
    animation: pulseDot 2s infinite;
}

@keyframes pulseDot {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.4; transform: scale(0.85); }
}

.loan-feature-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.loan-feature-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 13px;
    color: #e2e8f0;
}

.loan-feature-icon-circle {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: rgba(56, 189, 248, 0.15);
    color: #38bdf8;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    flex-shrink: 0;
}

.loan-feature-text strong {
    display: block;
    font-size: 13px;
    color: #ffffff;
}

.loan-feature-text small {
    font-size: 11px;
    color: #94a3b8;
}

/* Slider Controls: Arrows and Dots */
.loan-slider-nav {
    position: absolute;
    bottom: 20px;
    right: 28px;
    display: flex;
    align-items: center;
    gap: 10px;
    z-index: 10;
}

.loan-slider-btn {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: var(--loan-transition);
}

.loan-slider-btn:hover {
    background: rgba(255, 255, 255, 0.3);
    transform: scale(1.08);
}

.loan-slider-dots {
    display: flex;
    gap: 8px;
    align-items: center;
    margin-right: 8px;
}

.loan-dot {
    position: relative;
    width: 9px;
    height: 9px;
    border-radius: var(--loan-radius-pill);
    background: rgba(255, 255, 255, 0.25);
    cursor: pointer;
    transition: width 0.4s cubic-bezier(0.16, 1, 0.3, 1),
                background 0.3s ease,
                box-shadow 0.3s ease;
    border: none;
    padding: 0;
    overflow: hidden;
}

.loan-dot:hover {
    background: rgba(255, 255, 255, 0.5);
}

.loan-dot.active {
    width: 34px;
    height: 9px;
    background: rgba(255, 255, 255, 0.2);
    box-shadow: 0 0 14px rgba(56, 189, 248, 0.45);
}

.loan-dot.active::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: var(--loan-radius-pill);
    background: linear-gradient(90deg, #38bdf8 0%, #818cf8 100%);
    transform-origin: left center;
    animation: loanDotCountdown 5s linear forwards;
}

.loan-dot.active.is-paused::before,
.loan-hero-slider-wrap:hover .loan-dot.active::before {
    animation-play-state: paused;
}

@keyframes loanDotCountdown {
    0% {
        transform: scaleX(0);
    }
    100% {
        transform: scaleX(1);
    }
}

/* --------------------------------------------------------------------------
   3. Product Principles Section
   -------------------------------------------------------------------------- */
.loan-principles-section {
    margin-bottom: 50px;
}

.loan-section-head {
    text-align: center;
    max-width: 680px;
    margin: 0 auto 36px;
}

.loan-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 12.5px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--loan-brand);
    margin-bottom: 8px;
}

.loan-section-title {
    font-size: clamp(24px, 3.2vw, 34px);
    font-weight: 800;
    color: var(--loan-text);
    margin: 0 0 12px;
    letter-spacing: -0.015em;
}

.loan-section-subtitle {
    font-size: 14.5px;
    color: var(--loan-muted);
    line-height: 1.6;
    margin: 0;
}

.loan-principles-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}

.loan-principle-card {
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-md);
    padding: 24px;
    box-shadow: var(--loan-shadow-sm);
    transition: var(--loan-transition);
    position: relative;
    overflow: hidden;
}

.loan-principle-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--loan-brand), transparent);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.loan-principle-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--loan-shadow-md);
    border-color: rgba(37, 99, 235, 0.3);
}

.loan-principle-card:hover::before {
    opacity: 1;
}

.loan-principle-icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: var(--loan-surface-soft);
    color: var(--loan-brand);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    margin-bottom: 16px;
}

.loan-principle-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--loan-text);
    margin: 0 0 8px;
}

.loan-principle-card p {
    font-size: 13.5px;
    line-height: 1.6;
    color: var(--loan-muted);
    margin: 0;
}

/* --------------------------------------------------------------------------
   4. The 8-Step Student Journey
   -------------------------------------------------------------------------- */
.loan-journey-section {
    margin-bottom: 60px;
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-lg);
    padding: 40px 32px;
    box-shadow: var(--loan-shadow-sm);
}

.loan-journey-timeline {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 32px;
}

.loan-step-item {
    background: var(--loan-surface-raised);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-md);
    padding: 20px 18px;
    cursor: pointer;
    transition: var(--loan-transition);
    position: relative;
    display: flex;
    flex-direction: column;
}

.loan-step-item:hover,
.loan-step-item.active {
    background: var(--loan-surface);
    border-color: var(--loan-brand);
    transform: translateY(-3px);
    box-shadow: var(--loan-shadow-md);
}

.loan-step-item.active {
    box-shadow: 0 0 0 2px var(--loan-brand);
}

.loan-step-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px;
}

.loan-step-number {
    font-size: 12px;
    font-weight: 800;
    color: var(--loan-brand);
    background: var(--loan-brand-light);
    padding: 2px 8px;
    border-radius: 6px;
}

.loan-step-icon {
    font-size: 14px;
    color: var(--loan-muted);
}

.loan-step-item.active .loan-step-icon {
    color: var(--loan-brand);
}

.loan-step-item h4 {
    font-size: 14.5px;
    font-weight: 700;
    color: var(--loan-text);
    margin: 0 0 6px;
    line-height: 1.3;
}

.loan-step-item p {
    font-size: 12.5px;
    color: var(--loan-muted);
    line-height: 1.45;
    margin: 0;
}

/* Step Detail Explainer Box */
.loan-step-explainer {
    margin-top: 24px;
    padding: 20px 24px;
    background: var(--loan-surface-soft);
    border: 1px solid var(--loan-line);
    border-left: 4px solid var(--loan-brand);
    border-radius: var(--loan-radius-sm);
    display: flex;
    align-items: flex-start;
    gap: 16px;
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(6px); }
    to { opacity: 1; transform: translateY(0); }
}

.loan-explainer-icon {
    font-size: 22px;
    color: var(--loan-brand);
    flex-shrink: 0;
    margin-top: 2px;
}

.loan-explainer-content h5 {
    font-size: 15px;
    font-weight: 700;
    margin: 0 0 4px;
    color: var(--loan-text);
}

.loan-explainer-content p {
    font-size: 13.5px;
    color: var(--loan-text-secondary);
    line-height: 1.55;
    margin: 0;
}

/* --------------------------------------------------------------------------
   5. Interactive Eligibility & Enquiry Wizard (Progressive Disclosure - Page 4)
   -------------------------------------------------------------------------- */
.loan-wizard-section {
    margin-bottom: 60px;
}

.loan-wizard-card {
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-lg);
    box-shadow: var(--loan-shadow-md);
    overflow: hidden;
}

.loan-wizard-header {
    background: var(--loan-surface-raised);
    border-bottom: 1px solid var(--loan-line);
    padding: 20px 28px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.loan-wizard-step-info {
    display: flex;
    align-items: center;
    gap: 12px;
}

.loan-step-counter {
    background: var(--loan-brand);
    color: #ffffff;
    font-size: 12px;
    font-weight: 800;
    padding: 4px 10px;
    border-radius: var(--loan-radius-pill);
}

.loan-wizard-step-info h3 {
    font-size: 16px;
    font-weight: 700;
    margin: 0;
    color: var(--loan-text);
}

.loan-wizard-progress-bar {
    width: 140px;
    height: 8px;
    background: var(--loan-line);
    border-radius: 99px;
    overflow: hidden;
}

.loan-wizard-progress-fill {
    height: 100%;
    width: 25%;
    background: var(--loan-brand);
    border-radius: 99px;
    transition: width 0.4s ease;
}

.loan-wizard-body {
    padding: 32px 28px;
}

.loan-wizard-step-panel {
    display: none;
    animation: fadeIn 0.35s ease;
}

.loan-wizard-step-panel.active {
    display: block;
}

.loan-form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
}

.loan-form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.loan-form-group.full-width {
    grid-column: 1 / -1;
}

.loan-label {
    font-size: 13.5px;
    font-weight: 600;
    color: var(--loan-text);
    display: flex;
    align-items: center;
    gap: 6px;
}

.loan-input,
.loan-select {
    width: 100%;
    height: 46px;
    padding: 0 14px;
    background: var(--loan-surface);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-sm);
    color: var(--loan-text);
    font-size: 14px;
    outline: none;
    transition: var(--loan-transition);
}

.loan-input:focus,
.loan-select:focus {
    border-color: var(--loan-brand);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.loan-helper-text {
    font-size: 12px;
    color: var(--loan-muted);
}

/* Quick range selection pills */
.loan-range-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 4px;
}

.loan-range-pill {
    padding: 8px 16px;
    border-radius: var(--loan-radius-pill);
    background: var(--loan-surface-raised);
    border: 1px solid var(--loan-line);
    color: var(--loan-text);
    font-size: 13px;
    font-weight: 500;
    cursor: pointer;
    transition: var(--loan-transition);
}

.loan-range-pill:hover,
.loan-range-pill.selected {
    background: var(--loan-brand);
    color: #ffffff;
    border-color: var(--loan-brand);
}

/* Checkbox and Consent block */
.loan-checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13.5px;
    color: var(--loan-text-secondary);
    cursor: pointer;
    line-height: 1.5;
}

.loan-checkbox-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-top: 2px;
    accent-color: var(--loan-brand);
    cursor: pointer;
    flex-shrink: 0;
}

.loan-consent-card {
    background: var(--loan-surface-soft);
    border: 1px solid rgba(37, 99, 235, 0.2);
    border-radius: var(--loan-radius-sm);
    padding: 16px;
    margin-top: 10px;
}

.loan-consent-card p {
    font-size: 13px;
    color: var(--loan-text-secondary);
    line-height: 1.55;
    margin: 0 0 10px;
}

.loan-wizard-footer {
    border-top: 1px solid var(--loan-line);
    padding: 20px 28px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: var(--loan-surface-raised);
}

/* Result Card after completion */
.loan-result-box {
    text-align: center;
    padding: 24px 16px;
}

.loan-success-icon {
    width: 64px;
    height: 64px;
    background: var(--loan-emerald-bg);
    color: var(--loan-emerald);
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    margin-bottom: 16px;
    box-shadow: 0 6px 16px rgba(16, 185, 129, 0.2);
}

.loan-reference-badge {
    display: inline-block;
    padding: 10px 20px;
    background: var(--loan-surface-soft);
    border: 1px dashed var(--loan-brand);
    border-radius: var(--loan-radius-sm);
    color: var(--loan-brand);
    font-family: monospace;
    font-size: 20px;
    font-weight: 700;
    letter-spacing: 0.05em;
    margin: 12px 0 20px;
}

/* --------------------------------------------------------------------------
   6. Live Loan EMI & Moratorium Calculator
   -------------------------------------------------------------------------- */
.loan-calculator-section {
    margin-bottom: 60px;
}

.loan-calc-container {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(320px, 0.8fr);
    gap: 28px;
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-lg);
    padding: 32px;
    box-shadow: var(--loan-shadow-md);
}

.loan-calc-controls {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

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

.loan-calc-row-head label {
    font-size: 14px;
    font-weight: 600;
    color: var(--loan-text);
}

.loan-calc-val-pill {
    font-size: 14.5px;
    font-weight: 700;
    color: var(--loan-brand);
    background: var(--loan-surface-soft);
    padding: 4px 12px;
    border-radius: 8px;
    border: 1px solid var(--loan-line);
}

.loan-range-slider {
    width: 100%;
    height: 6px;
    background: var(--loan-line);
    border-radius: 6px;
    outline: none;
    -webkit-appearance: none;
    appearance: none;
    accent-color: var(--loan-brand);
    cursor: pointer;
}

.loan-range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--loan-brand);
    border: 2px solid #ffffff;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
    cursor: pointer;
    transition: transform 0.15s ease;
}

.loan-range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

/* Output Display Card */
.loan-calc-results {
    background: linear-gradient(135deg, #0e1c33 0%, #172d54 100%);
    color: #ffffff;
    border-radius: var(--loan-radius-md);
    padding: 28px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: var(--loan-shadow-sm);
}

.loan-calc-emi-highlight {
    text-align: center;
    padding-bottom: 24px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.loan-calc-emi-highlight small {
    display: block;
    font-size: 13px;
    color: #94a3b8;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 6px;
}

.loan-calc-emi-highlight strong {
    font-size: clamp(30px, 3.8vw, 42px);
    font-weight: 800;
    color: #38bdf8;
    letter-spacing: -0.02em;
}

.loan-calc-breakdown-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin: 20px 0;
}

.loan-calc-breakdown-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 13.5px;
    color: #cbd5e1;
}

.loan-calc-breakdown-item strong {
    color: #ffffff;
    font-weight: 700;
}

.loan-moratorium-banner {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--loan-radius-sm);
    padding: 12px 14px;
    font-size: 12px;
    color: #cbd5e1;
    line-height: 1.45;
}

.loan-moratorium-banner i {
    color: #f59e0b;
    margin-right: 4px;
}

/* --------------------------------------------------------------------------
   7. Lender Discovery & Comparison
   -------------------------------------------------------------------------- */
.loan-lenders-section {
    margin-bottom: 60px;
}

.loan-filter-chips {
    display: flex;
    gap: 10px;
    overflow-x: auto;
    padding-bottom: 12px;
    margin-bottom: 24px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
}

.loan-filter-chips::-webkit-scrollbar {
    display: none;
}

.loan-filter-chip {
    padding: 8px 18px;
    border-radius: var(--loan-radius-pill);
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    color: var(--loan-text);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    white-space: nowrap;
    transition: var(--loan-transition);
}

.loan-filter-chip:hover,
.loan-filter-chip.active {
    background: var(--loan-brand);
    color: #ffffff;
    border-color: var(--loan-brand);
}

.loan-lenders-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}

.loan-lender-card {
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-md);
    padding: 22px;
    box-shadow: var(--loan-shadow-sm);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: var(--loan-transition);
    position: relative;
}

.loan-lender-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--loan-shadow-md);
    border-color: rgba(37, 99, 235, 0.4);
}

.loan-lender-top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 14px;
}

.loan-lender-title-wrap h4 {
    font-size: 16.5px;
    font-weight: 700;
    color: var(--loan-text);
    margin: 0 0 4px;
}

.loan-lender-type {
    font-size: 12px;
    color: var(--loan-muted);
}

.loan-verified-tag {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 11px;
    font-weight: 700;
    color: var(--loan-emerald);
    background: var(--loan-emerald-bg);
    padding: 3px 8px;
    border-radius: 6px;
}

.loan-lender-rate-box {
    background: var(--loan-surface-raised);
    border-radius: var(--loan-radius-sm);
    padding: 12px 14px;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.loan-rate-col small {
    display: block;
    font-size: 11px;
    color: var(--loan-muted);
    text-transform: uppercase;
}

.loan-rate-col strong {
    font-size: 16px;
    font-weight: 800;
    color: var(--loan-brand);
}

.loan-lender-specs {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 20px;
    font-size: 12.5px;
    color: var(--loan-text-secondary);
}

.loan-spec-item {
    display: flex;
    align-items: flex-start;
    gap: 8px;
}

.loan-spec-item i {
    color: var(--loan-brand);
    margin-top: 3px;
    font-size: 11px;
    flex-shrink: 0;
}

.loan-lender-actions {
    display: flex;
    gap: 8px;
}

.loan-lender-btn {
    flex: 1;
    padding: 10px 14px;
    font-size: 13px;
    font-weight: 600;
    border-radius: var(--loan-radius-sm);
    text-align: center;
    cursor: pointer;
    border: none;
    transition: var(--loan-transition);
}

.loan-lender-btn-apply {
    background: var(--loan-brand);
    color: #ffffff;
}

.loan-lender-btn-apply:hover {
    background: var(--loan-brand-dark);
}

.loan-lender-btn-outline {
    background: transparent;
    color: var(--loan-text);
    border: 1px solid var(--loan-line);
}

.loan-lender-btn-outline:hover {
    background: var(--loan-surface-raised);
}

/* --------------------------------------------------------------------------
   8. Live Lead Status Tracker Simulator
   -------------------------------------------------------------------------- */
.loan-tracker-section {
    margin-bottom: 60px;
}

.loan-tracker-card {
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-lg);
    padding: 32px;
    box-shadow: var(--loan-shadow-sm);
}

.loan-tracker-search {
    display: flex;
    gap: 12px;
    max-width: 540px;
    margin: 0 auto 24px;
}

.loan-tracker-input {
    flex: 1;
    height: 48px;
    padding: 0 16px;
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-pill);
    background: var(--loan-surface);
    color: var(--loan-text);
    font-size: 14px;
    outline: none;
    transition: var(--loan-transition);
}

.loan-tracker-input:focus {
    border-color: var(--loan-brand);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.loan-sample-leads {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 12px;
    color: var(--loan-muted);
    margin-bottom: 28px;
}

.loan-sample-pill {
    padding: 3px 10px;
    border-radius: var(--loan-radius-pill);
    background: var(--loan-surface-raised);
    border: 1px solid var(--loan-line);
    cursor: pointer;
    font-family: monospace;
    font-size: 11.5px;
    color: var(--loan-brand);
    transition: var(--loan-transition);
}

.loan-sample-pill:hover {
    background: var(--loan-brand);
    color: #ffffff;
}

/* Status Timeline Display */
.loan-status-timeline {
    position: relative;
    padding: 16px 0;
    margin-top: 20px;
}

.loan-status-steps-row {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    position: relative;
    gap: 8px;
}

.loan-status-milestone {
    text-align: center;
    position: relative;
    z-index: 2;
}

.loan-milestone-circle {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--loan-surface-raised);
    border: 2px solid var(--loan-line);
    color: var(--loan-muted);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    margin-bottom: 8px;
    transition: var(--loan-transition);
}

.loan-status-milestone.done .loan-milestone-circle {
    background: var(--loan-emerald);
    border-color: var(--loan-emerald);
    color: #ffffff;
}

.loan-status-milestone.current .loan-milestone-circle {
    background: var(--loan-brand);
    border-color: var(--loan-brand);
    color: #ffffff;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.25);
    animation: pulseCircle 2s infinite;
}

@keyframes pulseCircle {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.08); }
}

.loan-milestone-label {
    font-size: 11.5px;
    color: var(--loan-muted);
    font-weight: 500;
    line-height: 1.3;
}

.loan-status-milestone.done .loan-milestone-label,
.loan-status-milestone.current .loan-milestone-label {
    color: var(--loan-text);
    font-weight: 700;
}

/* Live Notification Preview Box */
.loan-notification-preview {
    margin-top: 28px;
    padding: 18px 20px;
    background: var(--loan-surface-soft);
    border-radius: var(--loan-radius-sm);
    border-left: 4px solid var(--loan-brand);
    font-size: 13.5px;
    line-height: 1.6;
    color: var(--loan-text-secondary);
}

/* --------------------------------------------------------------------------
   9. Privacy, Security & Trust Mandate
   -------------------------------------------------------------------------- */
.loan-trust-section {
    margin-bottom: 60px;
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-lg);
    padding: 36px 32px;
}

.loan-trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 24px;
}

.loan-trust-card {
    background: var(--loan-surface-raised);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-sm);
    padding: 18px;
}

.loan-trust-card i {
    font-size: 20px;
    color: var(--loan-brand);
    margin-bottom: 10px;
}

.loan-trust-card h5 {
    font-size: 14px;
    font-weight: 700;
    color: var(--loan-text);
    margin: 0 0 6px;
}

.loan-trust-card p {
    font-size: 12.5px;
    color: var(--loan-muted);
    line-height: 1.5;
    margin: 0;
}

/* --------------------------------------------------------------------------
   10. Frequently Asked Questions (FAQ Accordion)
   -------------------------------------------------------------------------- */
.loan-faq-section {
    margin-bottom: 60px;
}

.loan-faq-list {
    max-width: 840px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.loan-faq-item {
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-md);
    overflow: hidden;
    transition: var(--loan-transition);
}

.loan-faq-item.active {
    border-color: var(--loan-brand);
}

.loan-faq-question {
    width: 100%;
    padding: 18px 22px;
    text-align: left;
    background: transparent;
    border: none;
    color: var(--loan-text);
    font-size: 15px;
    font-weight: 600;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    cursor: pointer;
}

.loan-faq-icon {
    font-size: 13px;
    color: var(--loan-muted);
    transition: transform 0.3s ease;
}

.loan-faq-item.active .loan-faq-icon {
    transform: rotate(180deg);
    color: var(--loan-brand);
}

.loan-faq-answer {
    max-height: 0;
    overflow: hidden;
    padding: 0 22px;
    transition: max-height 0.35s ease, padding 0.35s ease;
    font-size: 13.5px;
    color: var(--loan-text-secondary);
    line-height: 1.6;
}

.loan-faq-item.active .loan-faq-answer {
    max-height: 200px;
    padding-bottom: 18px;
}

/* --------------------------------------------------------------------------
   11. StudentMitraa 2.0 Coming Soon Dedicated Modal
   -------------------------------------------------------------------------- */
.loan-modal-overlay {
    position: fixed;
    inset: 0;
    z-index: 9999;
    background: rgba(10, 18, 33, 0.75);
    backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
}

.loan-modal-overlay.open {
    opacity: 1;
    visibility: visible;
}

.loan-modal-box {
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    border-radius: var(--loan-radius-lg);
    max-width: 440px;
    width: 100%;
    padding: 32px 28px;
    text-align: center;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.35);
    transform: scale(0.92);
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.loan-modal-overlay.open .loan-modal-box {
    transform: scale(1);
}

.loan-modal-rocket-wrap {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--loan-surface-soft);
    color: var(--loan-brand);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    margin-bottom: 16px;
    animation: floatVisual 3s ease-in-out infinite alternate;
}

.loan-modal-box h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--loan-text);
    margin: 0 0 10px;
}

.loan-modal-box p {
    font-size: 14px;
    color: var(--loan-muted);
    line-height: 1.55;
    margin: 0 0 24px;
}

.loan-modal-close-btn {
    width: 100%;
    padding: 12px;
    border-radius: var(--loan-radius-pill);
    background: var(--loan-brand);
    color: #ffffff;
    font-size: 14px;
    font-weight: 600;
    border: none;
    cursor: pointer;
    transition: var(--loan-transition);
}

.loan-modal-close-btn:hover {
    background: var(--loan-brand-dark);
}

/* --------------------------------------------------------------------------
   12. Responsive Adjustments (Desktop to Mobile UX Priority)
   -------------------------------------------------------------------------- */
@media screen and (max-width: 1024px) {
    .loan-slide {
        grid-template-columns: 1fr;
        padding: 36px 32px 48px;
    }

    .loan-slide-visual {
        display: none;
    }

    .loan-principles-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .loan-journey-timeline {
        grid-template-columns: repeat(2, 1fr);
    }

    .loan-lenders-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .loan-calc-container {
        grid-template-columns: 1fr;
    }

    .loan-trust-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media screen and (max-width: 768px) {
    .loan-shell {
        padding: 12px 10px 48px;
    }

    /* Compact section spacing */
    .loan-hero-slider-wrap {
        border-radius: 14px;
        margin-bottom: 20px;
    }

    .loan-section-head {
        margin: 0 auto 16px;
    }

    .loan-eyebrow {
        font-size: 11px;
        padding: 3px 10px;
        margin-bottom: 6px;
    }

    .loan-section-title {
        font-size: 20px;
        line-height: 1.25;
        margin-bottom: 6px;
    }

    .loan-section-subtitle {
        font-size: 12px;
        line-height: 1.45;
    }

    /* Compact Hero Slider */
    .loan-slider-container {
        min-height: 330px;
    }

    .loan-slide {
        padding: 18px 14px 44px;
    }

    .loan-slide-title {
        font-size: 21px;
        line-height: 1.22;
        margin-bottom: 8px;
    }

    .loan-slide-desc {
        font-size: 12px;
        line-height: 1.45;
        margin-bottom: 14px;
    }

    .loan-slide-actions {
        width: 100%;
        flex-direction: row;
        gap: 8px;
        margin-bottom: 14px;
    }

    .loan-slide-actions .loan-btn {
        flex: 1 1 auto;
        width: auto;
        padding: 9px 12px;
        font-size: 12px;
        min-height: 36px;
    }

    .loan-slide-features {
        gap: 8px;
        font-size: 11px;
    }

    .loan-slider-nav {
        right: 12px;
        bottom: 10px;
    }

    .loan-slider-btn {
        width: 28px;
        height: 28px;
        font-size: 10px;
    }

    .loan-slider-dots {
        gap: 5px;
    }

    .loan-dot {
        width: 6px;
        height: 6px;
    }

    .loan-dot.active {
        width: 22px;
        height: 6px;
    }

    /* Compact 2-column Core Principles Grid */
    .loan-principles-section {
        margin-bottom: 24px;
    }

    .loan-principles-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 8px;
    }

    .loan-principle-card {
        padding: 12px 10px;
        border-radius: 12px;
    }

    .loan-principle-icon {
        width: 32px;
        height: 32px;
        font-size: 13px;
        margin-bottom: 8px;
        border-radius: 8px;
    }

    .loan-principle-card h3 {
        font-size: 13px;
        margin-bottom: 4px;
        line-height: 1.25;
    }

    .loan-principle-card p {
        font-size: 11px;
        line-height: 1.35;
    }

    /* Compact 2-column Student Journey Timeline */
    .loan-journey-section {
        padding: 16px 12px;
        margin-bottom: 24px;
        border-radius: 14px;
    }

    .loan-journey-timeline {
        grid-template-columns: repeat(2, 1fr);
        gap: 8px;
    }

    .loan-step-item {
        padding: 10px 10px;
        border-radius: 10px;
    }

    .loan-step-header {
        margin-bottom: 6px;
    }

    .loan-step-number {
        font-size: 10px;
        padding: 2px 6px;
    }

    .loan-step-icon {
        font-size: 11.5px;
    }

    .loan-step-item h4 {
        font-size: 12px;
        margin-bottom: 3px;
        line-height: 1.25;
    }

    .loan-step-item p {
        font-size: 10.5px;
        line-height: 1.3;
    }

    .loan-step-explainer {
        padding: 12px;
        margin-top: 10px;
        border-radius: 10px;
        gap: 10px;
    }

    .loan-explainer-icon {
        font-size: 18px;
    }

    .loan-explainer-content h5 {
        font-size: 13px;
        margin-bottom: 3px;
    }

    .loan-explainer-content p {
        font-size: 11.5px;
        line-height: 1.4;
    }

    /* Compact Wizard */
    .loan-wizard-section {
        margin-bottom: 24px;
    }

    .loan-wizard-card {
        border-radius: 14px;
    }

    .loan-wizard-header {
        padding: 12px 14px;
        gap: 8px;
    }

    .loan-step-counter {
        font-size: 11px;
    }

    .loan-wizard-progress-bar {
        width: 100%;
        height: 5px;
    }

    .loan-wizard-body {
        padding: 14px 12px;
    }

    .loan-wizard-body h3 {
        font-size: 15px;
        margin-bottom: 12px;
    }

    .loan-form-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .loan-form-group {
        margin-bottom: 8px;
    }

    .loan-form-group label {
        font-size: 11.5px;
        margin-bottom: 4px;
    }

    .loan-form-control {
        padding: 8px 12px;
        font-size: 12.5px;
        border-radius: 8px;
    }

    .loan-range-pills {
        gap: 6px;
    }

    .loan-range-pill {
        padding: 4px 8px;
        font-size: 11px;
    }

    .loan-wizard-footer {
        padding: 12px;
        gap: 8px;
    }

    .loan-wizard-footer .loan-btn {
        padding: 9px 14px;
        font-size: 12.5px;
    }

    /* Compact EMI Calculator */
    .loan-calculator-section {
        margin-bottom: 24px;
    }

    .loan-calc-container {
        padding: 14px 12px;
        gap: 14px;
        border-radius: 14px;
    }

    .loan-calc-card {
        padding: 10px 8px;
    }

    .loan-calc-input-group {
        margin-bottom: 12px;
    }

    .loan-calc-label {
        font-size: 12px;
    }

    .loan-calc-val-pill {
        font-size: 11px;
        padding: 1px 7px;
    }

    .loan-calc-results {
        padding: 14px 12px;
        border-radius: 12px;
    }

    .loan-calc-emi-badge {
        font-size: 11px;
    }

    .loan-calc-emi-val {
        font-size: 24px;
    }

    .loan-calc-breakup {
        gap: 6px;
        margin-top: 10px;
    }

    .loan-breakup-item {
        padding: 8px;
    }

    /* Compact Tracker */
    .loan-tracker-section {
        margin-bottom: 24px;
    }

    .loan-tracker-card {
        padding: 14px 12px;
        border-radius: 14px;
    }

    .loan-tracker-search {
        flex-direction: column;
        gap: 8px;
    }

    .loan-tracker-input {
        padding: 9px 12px;
        font-size: 12.5px;
    }

    .loan-sample-leads {
        font-size: 11px;
        gap: 4px;
    }

    .loan-sample-pill {
        padding: 3px 8px;
        font-size: 10.5px;
    }

    .loan-status-steps-row {
        grid-template-columns: repeat(3, 1fr);
        row-gap: 12px;
        column-gap: 6px;
    }

    .loan-status-node-icon {
        width: 30px;
        height: 30px;
        font-size: 11.5px;
    }

    .loan-status-node-label {
        font-size: 10px;
    }

    /* Compact 2-column Trust Mandate */
    .loan-trust-section {
        margin-bottom: 24px;
    }

    .loan-trust-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 8px;
    }

    .loan-trust-card {
        padding: 10px 8px;
        border-radius: 10px;
    }

    .loan-trust-card i {
        font-size: 16px;
        margin-bottom: 4px;
    }

    .loan-trust-card h5 {
        font-size: 12px;
        margin-bottom: 2px;
    }

    .loan-trust-card p {
        font-size: 10.5px;
        line-height: 1.35;
    }

    /* Compact FAQ */
    .loan-faq-section {
        margin-bottom: 24px;
    }

    .loan-faq-item {
        margin-bottom: 8px;
        border-radius: 10px;
    }

    .loan-faq-question {
        padding: 11px 14px;
        font-size: 12.5px;
    }

    .loan-faq-answer p {
        padding: 0 14px 10px;
        font-size: 11.5px;
        line-height: 1.45;
    }

    .loan-scroll-top-btn {
        width: 38px;
        height: 38px;
        bottom: 16px;
        right: 76px;
        font-size: 12px;
    }

    /* Attractive Mobile In-Focus Glow during Scroll */
    .loan-card-animate.mobile-in-focus {
        border-color: rgba(56, 189, 248, 0.55) !important;
        box-shadow: 0 4px 18px rgba(56, 189, 248, 0.2) !important;
        transform: translateY(-2px) scale(1.01) !important;
    }
}

@media screen and (max-width: 400px) {
    .loan-slide-title {
        font-size: 23px;
    }

    .loan-slide-desc {
        font-size: 12.5px;
    }

    .loan-calc-results {
        padding: 18px 14px;
    }
}



/* ==========================================================================
   13. Top Scroll Progress Indicator & Attractive Full-Page Motion
   ========================================================================== */

/* Shimmering Top Reading Progress Meter */
.scroll-progress-bar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #38bdf8 50%, #10b981 100%);
    transform-origin: left;
    transform: scaleX(0);
    z-index: 99999;
    box-shadow: 0 0 14px rgba(56, 189, 248, 0.9), 0 0 4px #10b981;
    pointer-events: none;
    transition: transform 0.08s ease-out;
}

/* Glowing Neon Pulse Bead at the edge of the scroll progress bar */
.scroll-progress-bar::after {
    content: "";
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: #ffffff;
    box-shadow: 0 0 10px #38bdf8, 0 0 20px #10b981;
}

/* ==========================================================================
   14. Hero Cosmic Orbit & Particles Animation (Permanent Theme)
   ========================================================================== */
.loan-hero-slider-wrap {
    position: relative;
    border-radius: var(--loan-radius-lg);
    overflow: hidden;
    margin-bottom: 40px;
    background: radial-gradient(circle at 82% 35%, #162952 0%, #0d1a34 45%, #060c18 100%);
    border: 1px solid rgba(168, 85, 247, 0.35);
    box-shadow: 0 24px 60px -12px rgba(6, 12, 24, 0.8), 0 0 50px rgba(124, 58, 237, 0.18);
    perspective: 1200px;
}

/* Canvas for dynamic floating stardust particles */
.hero-particle-canvas {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    z-index: 1;
    opacity: 1;
}

/* Cosmic Nebula Ambient Glow */
.hero-cosmic-glow {
    position: absolute;
    width: 480px;
    height: 480px;
    right: 5%;
    top: 50%;
    transform: translateY(-50%);
    background: radial-gradient(circle, rgba(124, 58, 237, 0.22) 0%, rgba(56, 189, 248, 0.14) 40%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
    z-index: 0;
    filter: blur(45px);
    animation: nebulaPulse 7s ease-in-out infinite alternate;
}

@keyframes nebulaPulse {
    0% { transform: translateY(-50%) scale(0.9); opacity: 0.6; }
    100% { transform: translateY(-50%) scale(1.15); opacity: 1; }
}

/* Outer Concentric Cosmic Orbital Ring */
.hero-orbit-ring {
    position: absolute;
    inset: -30px;
    border: 1.5px dashed rgba(168, 85, 247, 0.4);
    border-radius: 50%;
    pointer-events: none;
    z-index: 2;
    animation: cosmicOrbit 22s linear infinite;
}

.hero-orbit-ring::after {
    content: "";
    position: absolute;
    top: 14px;
    left: 20%;
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: #38bdf8;
    box-shadow: 0 0 16px #38bdf8, 0 0 28px #a855f7;
}

/* Inner Counter-Rotating Orbital Ring */
.hero-orbit-ring-inner {
    position: absolute;
    inset: -14px;
    border: 1px dashed rgba(56, 189, 248, 0.32);
    border-radius: 50%;
    pointer-events: none;
    z-index: 2;
    animation: cosmicOrbitReverse 15s linear infinite;
}

.hero-orbit-ring-inner::after {
    content: "";
    position: absolute;
    bottom: 14px;
    right: 22%;
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: #a855f7;
    box-shadow: 0 0 12px #a855f7, 0 0 22px #ec4899;
}

@keyframes cosmicOrbit {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}

@keyframes cosmicOrbitReverse {
    from { transform: rotate(360deg); }
    to { transform: rotate(0deg); }
}

/* Floating micro-chips with smooth levitation */
.hero-floating-chip {
    position: absolute;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 14px;
    background: rgba(12, 22, 42, 0.88);
    border: 1px solid rgba(56, 189, 248, 0.4);
    border-radius: var(--loan-radius-pill);
    color: #e2e8f0;
    font-size: 11.5px;
    font-weight: 600;
    backdrop-filter: blur(12px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.45);
    pointer-events: none;
    z-index: 5;
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.hero-chip-top-right {
    top: -14px;
    right: 22px;
    animation: chipHover1 5s ease-in-out infinite alternate;
}

.hero-chip-bottom-left {
    bottom: -14px;
    left: 20px;
    animation: chipHover2 5.5s ease-in-out infinite alternate;
}

@keyframes chipHover1 {
    0% { transform: translateY(0px) rotate(0deg); }
    100% { transform: translateY(-9px) rotate(1.5deg); }
}

@keyframes chipHover2 {
    0% { transform: translateY(0px) rotate(0deg); }
    100% { transform: translateY(8px) rotate(-1.5deg); }
}

/* ==========================================================================
   15. Attractive 3D Full-Page Scroll Motion (Fluid Reveal & Staggered Bloom - Zero Lag)
   ========================================================================== */

/* Enhanced hardware-accelerated 3D scroll reveal without expensive blur filters */
.scroll-reveal {
    opacity: 0;
    transform: perspective(1000px) rotateX(8deg) translateY(28px) scale(0.98);
    transition: opacity 0.55s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.55s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
    transform-style: preserve-3d;
    backface-visibility: hidden;
}

.scroll-reveal.revealed {
    opacity: 1;
    transform: perspective(1000px) rotateX(0deg) translateY(0) scale(1);
}

/* Staggered cascading reveal for card grids */
.scroll-reveal-stagger > * {
    opacity: 0;
    transform: perspective(1000px) rotateX(8deg) translateY(20px) scale(0.98);
    transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.5s cubic-bezier(0.16, 1, 0.3, 1),
                box-shadow 0.25s ease;
    transform-style: preserve-3d;
    backface-visibility: hidden;
}

.scroll-reveal-stagger.revealed > *:nth-child(1) { transition-delay: 0.04s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(2) { transition-delay: 0.09s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(3) { transition-delay: 0.14s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(4) { transition-delay: 0.19s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(5) { transition-delay: 0.24s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(6) { transition-delay: 0.29s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(7) { transition-delay: 0.34s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }
.scroll-reveal-stagger.revealed > *:nth-child(8) { transition-delay: 0.39s; opacity: 1; transform: perspective(1000px) rotateX(0) translateY(0) scale(1); }

/* ==========================================================================
   16. Individual Card 3D Scroll Entrance & Dynamic Viewport Pitch
   ========================================================================== */
.loan-card-animate {
    opacity: 0;
    transform: perspective(900px) rotateX(10deg) translateY(22px) scale(0.98);
    transition: opacity 0.55s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.55s cubic-bezier(0.16, 1, 0.3, 1),
                border-color 0.25s ease,
                box-shadow 0.25s ease;
    will-change: opacity, transform;
    transform-style: preserve-3d;
    backface-visibility: hidden;
}

.loan-card-animate.in-view {
    opacity: 1;
    transform: perspective(900px) rotateX(var(--scroll-pitch-x, 0deg)) translateY(0) scale(1);
}

/* ==========================================================================
   17. 3D Card Motion & Specular Spotlight (PC & Mobile View)
   ========================================================================== */
.has-card-motion {
    transform-style: preserve-3d;
    perspective: 1000px;
    transition: transform 0.18s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.25s ease, border-color 0.25s ease;
    position: relative;
    overflow: hidden;
    will-change: transform;
    backface-visibility: hidden;
}

.has-card-motion > * {
    transform-style: preserve-3d;
}

/* Hero Section 3D Motion */
.loan-hero-slider-wrap {
    transform-style: preserve-3d;
    perspective: 1200px;
}

.loan-slider-container {
    transform-style: preserve-3d;
    transition: transform 0.2s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: transform;
    backface-visibility: hidden;
}

.loan-slide-visual {
    transform-style: preserve-3d;
}

/* Floating 3D Elements Inside Cards */
.has-card-motion .loan-principle-icon,
.has-card-motion .loan-step-icon,
.has-card-motion .loan-step-number,
.has-card-motion .loan-explainer-icon,
.has-card-motion .loan-trust-card i,
.has-card-motion .loan-feature-icon-circle {
    transform: translateZ(24px);
    transition: transform 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}

.has-card-motion h3,
.has-card-motion h4,
.has-card-motion h5 {
    transform: translateZ(14px);
    transition: transform 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}

.has-card-motion p,
.has-card-motion .loan-helper-text {
    transform: translateZ(8px);
    transition: transform 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}

/* 3D Specular Spotlight Following Cursor / Touch */
.has-card-motion::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: radial-gradient(340px circle at var(--card-glare-x, 50%) var(--card-glare-y, 50%), rgba(56, 189, 248, 0.16), transparent 70%);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.25s ease;
    z-index: 5;
}

.has-card-motion:hover::after,
.has-card-motion.touch-active::after {
    opacity: 1;
}

.has-card-motion:hover,
.has-card-motion.touch-active {
    border-color: rgba(56, 189, 248, 0.55);
    box-shadow: 0 14px 32px -6px rgba(15, 23, 42, 0.32), 0 0 18px rgba(56, 189, 248, 0.2);
}

.loan-scroll-top-btn {
    position: fixed;
    bottom: 24px;
    right: 90px;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--loan-card-bg);
    border: 1px solid var(--loan-line);
    color: var(--loan-brand);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
    cursor: pointer;
    z-index: 99;
    opacity: 0;
    visibility: hidden;
    transform: translateY(14px) scale(0.9);
    transition: var(--loan-transition);
}

.loan-scroll-top-btn.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0) scale(1);
}

.loan-scroll-top-btn:hover {
    background: var(--loan-brand);
    color: #ffffff;
    transform: translateY(-3px) scale(1.05);
    box-shadow: 0 10px 25px rgba(37, 99, 235, 0.4);
}

/* Reduced motion preference */
@media (prefers-reduced-motion: reduce) {
    .scroll-reveal,
    .scroll-reveal-stagger > * {
        opacity: 1 !important;
        transform: none !important;
        filter: none !important;
        transition: none !important;
    }
    .hero-orbit-ring,
    .hero-orbit-ring-inner,
    .hero-cosmic-glow,
    .hero-chip-top-right,
    .hero-chip-bottom-left {
        animation: none !important;
    }
}