/* ===== Brand + Theme ===== */
:root{
  --bg: #f6fbf8;
  --ink: #0f172a;
  --muted: #64748b;

  --brand-600: #4f46e5;
  --brand-700: #4338ca;
  --brand-800: #3730a3;
  --accent: #06b6d4;
  --success: #10b981;
  --danger: #ef4444;

  --radius: 16px;
  --shadow: 0 12px 28px rgba(24, 39, 75, .14);
}

*{ box-sizing: border-box }
html,body{ height:100% }
body{
  margin:0; font-family: Inter, ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--ink); background:
  radial-gradient(900px 400px at 80% 5%, rgba(99,102,241,.08), transparent 60%),
  radial-gradient(900px 400px at 10% 15%, rgba(16,185,129,.08), transparent 60%),
  var(--bg);
}

/* Utilities */
.container{ width:min(1200px, 92%); margin-inline:auto }
.muted{ color:var(--muted) }
.sr-only{ position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); border:0 }

/* Header */
.site-header{
  position: sticky; top:0; z-index:10; background:#fff; box-shadow:0 1px 0 rgba(0,0,0,.06);
}
.header-row{
  display:flex; align-items:center; justify-content:space-between; min-height:64px;
}
.brand{
  display:flex; align-items:center; gap:8px; font-weight:800; text-decoration:none; color:var(--ink); font-size:20px;
}
.brand-mark{
  display:inline-grid; place-items:center; width:32px; height:32px; border-radius:10px;
  color:#fff; background:linear-gradient(135deg, var(--brand-600), var(--brand-800));
  font-weight:800;
}

/* Nav */
.nav{ display:flex; align-items:center; gap:16px }
.nav-link{ color:var(--ink); text-decoration:none; padding:8px 10px; border-radius:10px }
.nav-link:hover{ background:#f1f5f9 }
.nav-link.current{ color:var(--brand-700); font-weight:700 }
.btn{ display:inline-flex; align-items:center; justify-content:center; gap:8px; border-radius:12px; padding:10px 14px; font-weight:700; text-decoration:none; cursor:pointer; border:1px solid transparent }
.btn-primary{ background:linear-gradient(135deg, var(--brand-600), var(--brand-800)); color:#fff; box-shadow:var(--shadow) }
.btn-primary:hover{ filter:brightness(1.05) }
.btn-outline{ border-color:#c7d2fe; color:var(--brand-700); background:#eef2ff }
.btn-outline:hover{ background:#e0e7ff }
.btn-light{ background:#fff; color:#0f172a; border:1px solid #e2e8f0 }

/* Mobile nav */
.nav-toggle{ display:none; background:none; border:0; padding:8px; border-radius:10px }
.nav-toggle .bar{ display:block; width:22px; height:2px; background:#0f172a; margin:5px 0; transition:.2s }
@media (max-width: 900px){
  .nav-toggle{ display:block }
  .nav{ position:absolute; inset:64px 0 auto 0; background:#fff; border-bottom:1px solid #e5e7eb;
        display:grid; gap:4px; padding:10px 20px; transform-origin: top; transform: scaleY(0); transition:.2s; }
  .nav.open{ transform: scaleY(1) }
  .nav-link.btn{ justify-self:start }
}

/* Hero Apply */
.hero{ padding: clamp(40px, 6vw, 84px) 0 }
.hero-grid{ display:grid; gap:28px; align-items:center }
@media (min-width: 980px){
  .hero-grid{ grid-template-columns: 1.05fr .95fr }
}
.eyebrow{ font: 600 12px/1.2 var(--font, Inter);text-align: center; letter-spacing:.14em; color:#60a5fa; text-transform:uppercase; margin:0 0 8px }
.hero h1{ font: size 60px;}
.gradient-text{ background: linear-gradient(90deg, #3b82f6, #06b6d4); -webkit-background-clip:text; background-clip:text; color:transparent }
.lead{ color:var(--muted); line-height: 1.7rem; padding: 2px;margin: 23px; max-width:130ch }
.hero-points{ display:flex; gap:28px; padding:0; margin:18px 0 0; list-style:none; color:#0b2a5e }
.hero-points li strong{ font-size:18px }

/* Card */
.card{ background:#fff; border:1px solid #d5d7db; border-radius:var(--radius); padding:20px; box-shadow:var(--shadow) }

/* Band */
.band{ padding:40px 0 }
.band-grid{ display:grid; gap:16px }
@media (min-width: 800px){ .band-grid{ grid-template-columns: repeat(3, 1fr) } }
.band-item{ background:linear-gradient(135deg, #a8dfc6, #ffffff); border:1px solid #e5e7eb; padding:18px; border-radius:16px }
.icon.circle{ width:40px; height:40px; border-radius:12px; display:grid; place-items:center; background:#fff; color:var(--brand-700); font-weight:800; box-shadow: var(--shadow); margin-bottom:8px }

/* CTA */
.cta{ padding:56px 0 }
.cta-box{ background: linear-gradient(120deg, #06b6d4, #3b7dd8); color:#fff; border-radius:20px; padding:28px; display:grid; gap:12px; text-align:center }
.cta-actions{ display:flex; gap:10px; justify-content:center; flex-wrap:wrap }

/* Page hero */
.page-hero{ padding:42px 0 22px }
.page-hero h1{ margin:0 0 6px; font-size: clamp(28px, 4vw, 40px) }
.split{ display:grid; gap:18px; align-items:start }
@media (min-width: 980px){ .split{ grid-template-columns: 1.1fr .9fr } }

/* Cards grid */
.cards-grid{ display:grid; gap:18px; padding:28px 0 }
@media (min-width: 980px){ .cards-grid{ grid-template-columns: repeat(3, 1fr) } }
.card.service .list{ margin:10px 0 16px; padding-left:18px; color:var(--muted) }

/* Stats */
.stats{ display:grid; grid-template-columns: repeat(2, 1fr); gap:12px }
.stats > div{ background:#f8fafc; border:1px solid #e2e8f0; border-radius:12px; padding:14px; text-align:center }
.stats strong{ font-size:22px; display:block }

/* Auth */
.auth{ display:grid; place-items:center; padding:24px 0 }

/* Footer */
.site-footer{ margin-top:40px; background:#0b122a; color:#cbd5e1; padding:28px 0 }
.footer-grid{ display:grid; gap:10px; align-items:center }
@media (min-width: 800px){ .footer-grid{ grid-template-columns: 1fr auto } }
.brand--footer{ color:#fff; margin-bottom:6px }
.footer-nav{ display:flex; flex-wrap:wrap; gap:12px }
.footer-nav a{ color:#e2e8f0; text-decoration:none; padding:6px 8px; border-radius:8px }
.footer-nav a:hover{ background:#0f172a }
copyright, .copyright{ margin:6px 0 0; font-size:14px; color:#fff }

/* Links inside notes */
.form-note a{ color:var(--brand-700) }

/* ===== Animations & Reveal ===== */
@keyframes fade-up {
  from { opacity: 0; transform: translateY(16px) }
  to   { opacity: 1; transform: translateY(0) }
}
@keyframes zoom-in {
  from { opacity: 0; transform: scale(.96) }
  to   { opacity: 1; transform: scale(1) }
}
.reveal { opacity: 0; transform: translateY(14px); will-change: transform, opacity }
.reveal.is-visible { opacity: 1; transform: none; transition: transform .6s cubic-bezier(.22,1,.36,1), opacity .6s }
[data-reveal="zoom-in"].is-visible { animation: zoom-in .55s cubic-bezier(.22,1,.36,1) both }

/* Micro-interactions */
.btn { transition: transform .18s ease, box-shadow .18s ease, filter .18s ease }
.btn:hover { transform: translateY(-1px) }
.card { transition: transform .2s ease }
.card:hover { transform: translateY(-2px) }

/* ===== Dropdown Menu ===== */
.dropdown { position: relative }
.dropdown-toggle {
  display: inline-flex; align-items: center; gap: 6px; cursor: pointer; background: none; border: 0;
  padding: 8px 10px; border-radius: 10px; color: var(--ink); font: inherit;
}
.dropdown-toggle:focus { outline: 3px solid #e0e7ff }
.dropdown-menu{
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 220px; z-index: 20;
  background: #fff; border: 1px solid #e5e7eb; border-radius: 12px; padding: 8px;
  box-shadow: var(--shadow);
  transform: translateY(6px) scale(.98);
  transform-origin: top left;
  opacity: 0; pointer-events: none;
  transition: transform .18s ease, opacity .18s ease;
}
.dropdown-menu a{
  display: block; padding: 10px 12px; border-radius: 8px; color: var(--ink); text-decoration: none;
}
.dropdown-menu a:hover{ background: #f1f5f9 }

/* open states (JS adds .open) */
.dropdown.open .dropdown-menu{
  opacity: 1; pointer-events: auto; transform: translateY(0) scale(1);
}

/* Hover open on desktop */
@media (min-width: 901px){
  .dropdown:hover .dropdown-menu{ opacity:1; pointer-events:auto; transform: translateY(0) scale(1) }
}

/* Mobile nav: dropdown menu should be inline */
@media (max-width: 900px){
  .dropdown { width: 100% }
  .dropdown-menu{
    position: static; transform: none; opacity: 1; pointer-events: auto;
    border: 0; box-shadow: none; padding: 4px 0; margin-left: 8px;
  }
  .dropdown-menu a{ padding-left: 18px }
}
/* ============== SCOPED STYLES: UI/UX FAQs ============== */
.faqx{
  --fg:#0f172a; --muted:#6b7280; --ring:rgba(2,6,23,.12);
  --card:#ffffff; --bg:#f6f8ff;
  --accent:#3b82f6; --accent-2:#8b5cf6; --chip:#eef2ff;
  color:#ffffff; background:var(--bg); padding:56px 16px;
}
.faqx *{ box-sizing:border-box; }
.faqx .faqx-container{ max-width:1100px; margin-inline:auto; }

.faqx .faqx-eyebrow{
  display:inline-block; font-weight:800; letter-spacing:.12em; text-transform:uppercase;
  color:#4338ca; background:#eef2ff; border:1px solid #e0e7ff;
  padding:6px 10px; border-radius:999px; font-size:.78rem;
}
.faqx .faqx-title{
  margin:.6rem 0 .25rem; font-weight:900; line-height:1.1;
  font-size:clamp(1.6rem,3.2vw,2.4rem);
  background:linear-gradient(90deg,#0f172a,#4338ca,#3b82f6);
  -webkit-background-clip:text; background-clip:text; color:transparent;
}
.faqx .faqx-subtitle{ color:var(--muted); max-width:154ch; margin:0 0 16px; }

/* Tabs (chips) */
.faqx .faqx-visually-hidden{ position:absolute !important; opacity:0 !important; width:0; height:0; pointer-events:none; }
.faqx .faqx-tabs{
  display:flex; flex-wrap:wrap; gap:10px; margin:12px 0 20px;
}
.faqx .faqx-tab{
  background:var(--chip); border:1px solid #e0e7ff; color:#1f2937;
  border-radius:999px; padding:8px 14px; font-weight:700; cursor:pointer; user-select:none;
  transition:.25s; box-shadow:0 4px 14px rgba(2,6,23,.06);
}
#faqx-tab-general:checked ~ .faqx-tabs label[for="faqx-tab-general"],
#faqx-tab-eligibility:checked ~ .faqx-tabs label[for="faqx-tab-eligibility"],
#faqx-tab-loans:checked ~ .faqx-tabs label[for="faqx-tab-loans"],
#faqx-tab-payments:checked ~ .faqx-tabs label[for="faqx-tab-payments"]{
  background:linear-gradient(90deg,var(--accent),var(--accent-2));
  color:#fff; border-color:transparent; box-shadow:0 8px 20px rgba(59,130,246,.25);
}

/* Layout: aside + panels */
.faqx .faqx-shell{
  display:grid; gap:18px; grid-template-columns: 1fr; align-items:start;
}
@media (min-width: 980px){
  .faqx .faqx-shell{ grid-template-columns: .35fr 1fr; }
}
.faqx .faqx-aside{ position:sticky; top:16px; height:100%; }
.faqx .faqx-help{
  background:linear-gradient(180deg,#0f193a);
  border:1px solid var(--ring); border-radius:16px; padding:16px;
  box-shadow:0 10px 26px rgba(2,6,23,0.33);
}
.faqx .faqx-help h3{ margin:0 0 6px; font-size:1.05rem; font-weight:900; }
.faqx .faqx-btn{
  display:inline-block; margin-top:8px; text-decoration:none; font-weight:800;
  padding:10px 14px; border-radius:10px; color:#fff;
  background:linear-gradient(180deg,var(--accent),var(--accent-2));
  box-shadow:0 10px 26px rgba(59,130,246,.25);
}

/* Panels container */
.faqx .faqx-panels{ position:relative; }
.faqx .faqx-panel{ display:none !important; } /* hide all by default */

/* Show selected panel (CSS tabs logic) */
#faqx-tab-general:checked ~ .faqx-shell .faqx-panel--general,
#faqx-tab-eligibility:checked ~ .faqx-shell .faqx-panel--eligibility,
#faqx-tab-loans:checked ~ .faqx-shell .faqx-panel--loans,
#faqx-tab-payments:checked ~ .faqx-shell .faqx-panel--payments{
  display:block !important;
}

/* FAQ item (details) */
.faqx .faqx-item{
  background:#0f193a; border:1px solid var(--ring);
  border-radius:14px; padding:0; margin:0 0 12px 0;
  box-shadow:0 8px 22px rgba(209, 213, 227, 0.06), inset 0 1px 0 rgba(255,255,255,.4);
  overflow:hidden;
}
.faqx .faqx-q{
  position:relative; list-style:none; cursor:pointer;
  padding:16px 46px 16px 16px; font-weight:800; color:#ffffff;
}
.faqx .faqx-q::-webkit-details-marker{ display:none; }
.faqx .faqx-q::after{
  content:""; position:absolute; right:16px; top:50%; width:12px; height:12px;
  border-right:2px solid #64748b; border-bottom:2px solid #64748b;
  transform: translateY(-50%) rotate(-45deg); transition:.2s;
}
.faqx .faqx-item[open] .faqx-q::after{ transform: translateY(-50%) rotate(45deg); }

/* Smooth expand using grid trick */
.faqx .faqx-a{ display:grid; grid-template-rows:0fr; transition:grid-template-rows .28s ease; }
.faqx .faqx-item[open] .faqx-a{ grid-template-rows:1fr; }
.faqx .faqx-a > div{ overflow:hidden; padding:0 16px 16px; color:#ffffff; line-height:1.7; }

/* Fine polish */
.faqx .faqx-item + .faqx-item{ margin-top:12px; }
.faqx .faqx-q:focus-visible{ outline:3px solid #c7d2fe; outline-offset:3px; border-radius:8px; }

/* Light/dark friendliness */
@media (prefers-color-scheme: dark){
  .faqx{ --bg:#61bcd04a; --card:#0f172a; --fg:#e6ecff; --muted:#9aa6c5; --ring:rgba(255,255,255,.12); }
  .faqx .faqx-help{ background:#334b82; }
  .faqx .faqx-q{ color:#e6ecff; }
}

/* === Mega Footer (dark) === */
.mega-footer{
  background: #334b82;
  color:#cfe1ff;
  margin-top: 2px;
  position: relative;
}
.mega-footer a{ color:#cfe1ff; text-decoration:none }
.mega-footer a:hover{ color:#ffffff }

.mega-footer__top{
  display:grid; gap:28px; padding:42px 0 26px;
}
@media (min-width: 900px){
  .mega-footer__top{ grid-template-columns: 1.3fr 1fr 1fr 1.1fr }
}

.mega-footer__brand .brand--footer{
  display:flex; align-items:center; gap:10px; color:#fff; font-weight:800; font-size:22px; text-decoration:none;
}
.mega-footer .accent{ color:#72d36b }
.mega-footer__blurb{ color:#9fb3d8; max-width:48ch; margin:10px 0 18px }

.socials{ display:flex; gap:12px }
.social-btn{
  width:44px; height:44px; display:grid; place-items:center; border-radius:12px;
  border:1px solid rgba(255,255,255,.1); color:#cfe1ff;
  background: rgba(255,255,255,.04);
  transition: transform .18s ease, background .18s ease, border-color .18s ease;
}
.social-btn:hover{ transform: translateY(-2px); background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.2) }

.mega-footer__heading{
  color:#fff; margin:4px 0 16px; font-size:20px; font-weight:800; position:relative;
}
.mega-footer__heading::after{
  content:""; display:block; width:64px; height:2px; background:#6ea8ff; border-radius:2px; margin-top:8px; opacity:.7;
}

.mega-footer__links{ list-style:none; margin:0; padding:0; display:grid; gap:14px }
.mega-footer__links a{ color:#cfe1ff; opacity:.95 }
.mega-footer__links a:hover{ opacity:1 }

.contact-list{ list-style:none; margin:0; padding:0; display:grid; gap:16px }
.contact-item{ display:grid; grid-template-columns: 48px 1fr; align-items:center; gap:12px }
.contact-ico{
  width:48px; height:48px; display:grid; place-items:center; border-radius:12px;
  border:1px solid rgba(255,255,255,.1);
  background: rgba(255,255,255,.05); color:#9cc3ff;
}
.contact-link{ word-break: break-all }

/* Bottom bar */
.mega-footer__bottom{
  border-top:1px solid rgba(255,255,255,.08);
  background: linear-gradient(180deg, rgba(0,0,0,.05), rgba(0,0,0,.12));
}
.bottom-row{
  display:flex; flex-direction: column; align-items:center; justify-content:space-between;
  gap:10px; padding:14px 0;
}
.bottom-right a{ color:#9ad1ff }
.bottom-right a:hover{ color:#fff }

/* ===== Services (Loan cards) ===== */
.services{
  padding:56px 0;
  background:
    radial-gradient(800px 320px at 5% 0, #eef2ff 0, rgba(238,242,255,0) 60%),
    radial-gradient(800px 320px at 95% 0, #ecfdf5 0, rgba(236,253,245,0) 60%);
}
.services .section-title{ text-align:center }
.services .lead{ text-align:center; line-height: 1.7; margin:0 auto 24px; max-width:90ch }
.card.service{ padding:24px; box-shadow: 0 4px 4px #3b7dd894, inset 0 1px 0 rgba(255, 255, 255, .04); }
.card.service h3{ margin:8px 0 6px }
.card.service .list{ list-style:none; margin:10px 0 16px; padding:0; color:var(--muted) }
.card.service .list li{ display:flex; gap:8px; align-items:flex-start }
.card.service .list li::before{
  content:"✓"; display:inline-grid; place-items:center;
  width:20px; height:20px; border-radius:50%;
  background:#e2e8f0; color:#10b981; font-size:12px; line-height:1; margin-top:2px;
}
.services .icon.circle{ box-shadow: var(--shadow) }
.card.service .btn {
    width: 100%;
    text-align: center;
}

/* ===== Countries we serve ===== */

.countries{
  padding:0px 0 64px;
  background:
    linear-gradient(180deg, rgba(241,245,249,0.55), rgba(241,245,249,0));
}
.countries-head{
  text-align:center;
  margin-bottom:18px;
  position:relative;
}
.countries-head::before{
  content:"";
  position:absolute;
  left:50%;
  transform:translateX(-50%);
  top:-12px;
  width:min(820px,92%);
  height:64px;
  background:linear-gradient(90deg, rgba(59,130,246,.10), rgba(99,102,241,.10));
  filter:blur(18px);
  border-radius:16px;
  z-index:-1;
}

/* Countries grid: 4 columns desktop */
.country-grid{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:18px;
}
@media (max-width:900px){
  .country-grid{ grid-template-columns:repeat(2, 1fr); }
}
@media (max-width:520px){
  .country-grid{ grid-template-columns:1fr; }
}


.card.country{
  background:
    radial-gradient(220px 120px at 95% -10%, rgba(99,102,241,.07), transparent 60%),
    #fff;
  border:1px solid #e5e7eb;
  border-radius:18px;
  padding:22px 22px 18px;
  box-shadow:0 6px 18px rgba(2,6,23,.05);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  text-align: center;
}
.card.country:hover,
.card.country:focus-within{
  transform:translateY(-2px);
  border-color:#d1d5db;
  box-shadow:0 10px 26px rgba(2,6,23,.08);
}

.country-flag{
  width:64px; height:64px; border-radius:50%;
  display:grid; place-items:center;
  margin-bottom:12px;
  background:#fff;
  border:6px solid #e9efff;
  box-shadow:0 2px 10px rgba(59,130,246,.08);
  margin-left: auto;
  margin-right: auto;
}
.flag-emoji{ font-size:34px; line-height:1; }

.country-name{ font-size:1.05rem; margin:6px 0 2px; }
.muted{ color:#64748b; margin:0 0 10px; }

.country-link{
  display:inline-flex; align-items:center; gap:6px;
  font-weight:600; text-decoration:none;
  color:#3b82f6;
}
.country-link span{ transition:transform .18s ease; }
.country-link:hover span,
.country-link:focus span{ transform:translateX(3px); }

/* ===== Process / Steps ===== */
.process{ padding:64px 0 56px; background:linear-gradient(180deg,#f8fafc,transparent) }
.process .section-title, .process .lead{ text-align:center }
.process .lead{ max-width:70ch; margin:0 auto 18px }

.steps{
  position:relative;
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:18px;
  margin-top:22px;
}
/* connecting line behind cards */
.steps::before{
  content:"";
  position:absolute;
  left:8px; right:8px;
  top:50%; transform:translateY(-50%);
  height:4px;
  background:linear-gradient(90deg,#c7ecee,#a7f3d0);
  opacity:.7;
  border-radius:999px;
  z-index:0;
}
.card.step{
  position:relative; z-index:1;
  padding:22px 20px 18px;
  border:1px solid #e5e7eb;
  border-radius:18px;
  background:#fff;
  box-shadow:0 6px 18px rgba(2,6,23,.05);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  text-align:left;
}
.card.step:hover{ transform:translateY(-2px); box-shadow:0 10px 26px rgba(2,6,23,.08) }
.step-icon{
  width:56px; height:56px; border-radius:16px;
  display:grid; place-items:center; color:#fff; margin-bottom:12px;
  box-shadow:0 8px 22px rgba(2,6,23,.10), inset 0 0 0 1px rgba(255,255,255,.2);
  margin: 0 auto 15px;
}
.card.step h3{ margin:8px 0 6px; font-size:1.02rem; text-align: center; }
.card.step p{ color:#55637a; margin:0; text-align: center; } 

/* CTA block */
.process-cta{ text-align:center; margin-top:28px }
.process-cta h3{ font-size:1.5rem; margin:8px 0 4px }
.btn-row{ display:flex; gap:12px; justify-content:center; flex-wrap:wrap; margin:10px 0 6px }
.btn.btn-outline{ background:#f1f5f9; border:1px solid #e2e8f0; }

.chip-row{ display:flex; gap:10px; flex-wrap:wrap; justify-content:center; margin:12px 0 0; padding:0; list-style:none }
.chip{
  display:inline-flex; align-items:center; gap:8px;
  padding:6px 10px; border-radius:999px;
  background:#f8fafc; border:1px solid #e5e7eb; color:#475569; font-weight:600; font-size:.9rem;
}
.chip::before{
  content:""; width:8px; height:8px; border-radius:50%; background:#22c55e;
}

/* Responsive */
@media (max-width:1200px){ .steps{ grid-template-columns:repeat(3,1fr) } }
@media (max-width:900px){
  .steps{ grid-template-columns:repeat(2,1fr) }
  .steps::before{ display:none } /* hide track on small screens */
}
@media (max-width:520px){ .steps{ grid-template-columns:1fr } }

/* ===== Loan Products ===== */
.loan-products{
  padding:64px 0 56px;
  background:
    radial-gradient(800px 320px at 0% -10%, rgba(59,130,246,.05), transparent 60%),
    radial-gradient(800px 320px at 100% 110%, rgba(16,185,129,.06), transparent 60%);
}
.loan-products .section-title, .loan-products .lead{ text-align:center }
.loan-products .lead{ max-width:72ch; text-align: justify; margin:0 auto 18px }

/* grid */
.product-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:20px;
}
@media (max-width:1000px){ .product-grid{ grid-template-columns:repeat(2, 1fr) } }
@media (max-width:620px){  .product-grid{ grid-template-columns:1fr } }

/* base card */
.card.product{
  position:relative;
  border:1px solid #e5e7eb;
  border-radius:22px;
  padding:22px 22px 18px;
  background:
    radial-gradient(320px 180px at 95% 0%, var(--bg-tint, rgba(2,6,23,.03)), transparent 60%),
    #ffffff;
  box-shadow:0 8px 24px rgba(2,6,23,.06);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.card.product:hover{ transform:translateY(-2px); box-shadow:0 14px 30px rgba(2,6,23,.09) }

/* themed variants */
.product--edu{ --theme:#3b82f6; --theme2:#2563eb; --bg-tint:rgba(59,130,246,.08) }
.product--personal{ --theme:#a855f7; --theme2:#7c3aed; --bg-tint:rgba(168,85,247,.08) }
.product--biz{ --theme:#22c55e; --theme2:#16a34a; --bg-tint:rgba(34,197,94,.10) }

/* head */
.product-head{
  display:flex; align-items:center; justify-content:space-between; gap:12px; margin-bottom:8px;
}
.product .icon.circle{
  width:56px; height:56px; border-radius:16px; display:grid; place-items:center; color:#fff;
  background:linear-gradient(135deg, var(--theme), var(--theme2));
  box-shadow:0 10px 26px rgba(2,6,23,.12), inset 0 0 0 1px rgba(255,255,255,.2);
  margin-left: auto;
  margin-right: auto;
}
.product .rate{ text-align:right; line-height:1.1 }
.product .rate strong{ font-size:1.35rem; display:block; color:#0f172a }
.product .rate span{ font-size:.78rem; color:#64748b }

/* text */
.card.product h3{ margin:6px 0 2px }
.product-sub{
  display:inline-block;
  font-weight:700;
  color:var(--theme);
  text-decoration:none;
  margin-bottom:6px;
}
.card.product p{ color:#475569; text-align: justify; margin:0 0 10px }
.amount{ color:#16a34a; font-size:1rem; margin:2px 0 10px }
.kb-title{ margin:10px 0 8px; font-size:.95rem }

/* benefits list */
.benefits{ list-style:none; padding:0; margin:0 0 14px; display:grid; gap:8px }
.benefits li{
  display:flex; align-items:center; gap:10px;
  background:#f8fafc; border:1px solid #e5e7eb; border-radius:12px;
  padding:10px 12px; font-weight:600; color:#0f172a;
}
.benefits .tick{
  display:inline-grid; place-items:center;
  width:22px; height:22px; border-radius:999px; font-size:12px;
  background:#007e6e36; color:#007e6e;
}

/* CTA buttons that match themes */
.btn-block{ width:100% }
.product--personal .btn-accent{
  background:linear-gradient(135deg, #a855f7, #7c3aed); border-color:transparent; color:#fff;
}
.product--biz .btn-success{
  background:linear-gradient(135deg, #22c55e, #16a34a); border-color:transparent; color:#fff;
}
.product--edu .btn-primary{
  background:linear-gradient(135deg, #3b82f6, #2563eb);
}

.transforming-experiences {
  padding: 40px 0;
  background-color: #f6fbf8;
  text-align: center;
}

.section-title {
  font-size: 2rem;
  color: #1f2937;
  font-weight: 600;
  margin-bottom: 20px;
}

.section-description {
  font-size: 1rem;
  color: #64748b;
  margin-bottom: 30px;
}

.features {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  justify-items: center;
  grid-template-rows: auto;
  grid-auto-flow: row;
  opacity: 0;
  animation: fadeIn 1s forwards;
}

.feature {
  background-color: #fff;
  border-radius: 16px;
  box-shadow: 0 12px 28px rgba(24, 39, 75, .14);
  padding: 20px;
  text-align: center;
  width: 100%;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  opacity: 0;
  animation: slideUp 0.5s ease-in-out forwards;
}

.feature h3 {
  font-size: 1.2rem;
  color: #0f172a;
  font-weight: 700;
  margin-bottom: 10px;
}

.feature p {
  font-size: 1rem;
  color: #64748b;
}

.icon {
  width: 50px;
  height: 50px;
  background-color: #e2e8f0;
  border-radius: 50%;
  margin-bottom: 15px;
  display: flex;
  justify-content: center;
  align-items: center;
  transition: transform 0.3s ease-in-out;
}

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

/* Custom Icon Colors */
.icon-mission-driven {
  background-color: #06b6d4;
}

.icon-global-expertise {
  background-color: #34d399;
}

.icon-client-first {
  background-color: #f472b6;
}

.icon-excellence {
  background-color: #a78bfa;
}

/* Mobile Responsiveness */
@media (max-width: 768px) {
  .features {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }
}

@media (max-width: 480px) {
  .features {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .feature {
    padding: 15px;
  }
}

/* Animations */
@keyframes fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

@keyframes slideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.journey-to-excellence {
  padding: 15px 0;
  background-color: #f6fbf8;
  background-image: url("image/bg_2.jpeg");

  text-align: justify;
}

.section-title {
  font-size: 2rem;
  color: #3b7dd8;
  font-weight: 600;
  margin-bottom: 20px;
  text-align: center;
}

.section-description {
  font-size: 1rem;
  color: #64748b;
  margin-bottom: 30px;
}

.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 40px;
}

.stat {
  background-color: #fff;
  border-radius: 16px;
  box-shadow: 0 12px 28px rgba(24, 39, 75, .14);
  padding: 20px;
  text-align: center;
  position: relative;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.stat:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 35px rgba(24, 39, 75, .2);
}

.stat h3 {
  font-size: 2rem;
  color: #0f172a;
  font-weight: 700;
}

.stat p {
  font-size: 1rem;
  color: #64748b;
}

.dropdown-content {
  display: none;
  margin-top: 10px;
  font-size: 0.9rem;
  color: #64748b;
  background-color: #f0f4f8;
  padding: 10px;
  border-radius: 10px;
  box-shadow: 0 4px 16px rgba(24, 39, 75, .1);
}

.stat.open .dropdown-content {
  display: block;
}

.cta {
  margin-top: 20px;
}

.btn {
  padding: 12px 20px;
  font-size: 1rem;
  border-radius: 8px;
  text-decoration: none;
  margin: 0 0px;
  display: inline-block;
}

.btn-primary {
  background-color: #4f46e5;
  color: white;
  box-shadow: 0 12px 28px rgba(24, 39, 75, .14);
}

.btn-primary:hover {
  background-color: #4338ca;
}

.btn-outline {
  background-color: #eef2ff;
  color: #4338ca;
  border: 2px solid #4338ca;
}

.btn-outline:hover {
  background-color: #d1d5db;
}

.image {
  margin-top: 40px;
}

.image img {
  width: 100%;
  max-width: 600px;
  border-radius: 16px;
  box-shadow: 0 12px 28px rgba(24, 39, 75, .14);
}

/* Mobile Responsiveness */
@media (max-width: 768px) {
  .stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
  }
}

@media (max-width: 480px) {
  .stats {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .cta {
    margin-top: 20px;
  }

  .image img {
    max-width: 100%;
  }
}

/* Scope + resets */
.loan-requirements { padding: 40px 16px; background: #f6fbfd; color: #0f172a; }
.loan-requirements .container { max-width: 1100px; margin: 0 auto; }
.loan-requirements .lr-hidden { position: absolute; opacity: 0; width: 0; height: 0; pointer-events: none; }

/* Tabs */
.loan-requirements .tabs {justify-content: center; gap: 10px; flex-wrap: wrap; margin: 10px 0 20px; }
.loan-requirements .tab { background: #fff; border-radius: 12px; padding: 10px 14px; font-weight: 600; color: #333; cursor: pointer; box-shadow: 0 10px 30px rgba(16,24,40,.08); font-size: medium; }
#lr-tab-education:checked ~ .tabs label[for="lr-tab-education"],
#lr-tab-personal:checked  ~ .tabs label[for="lr-tab-personal"],
#lr-tab-business:checked  ~ .tabs label[for="lr-tab-business"] {
  background: linear-gradient(180deg,#3b7dd8,#2f63b9); color: #fff;
}

/* Card structure */
.loan-requirements .main-card { background: #fff; border-radius: 20px; overflow: hidden; box-shadow: 0 10px 30px rgba(16,24,40,.08); }
.loan-requirements .content { padding: 20px; }
.loan-requirements .grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

/* IMPORTANT: hide everything by default (override themes) */
.loan-requirements .header,
.loan-requirements .panel { display: none !important; }

/* Show ONLY the matching header + panel */
#lr-tab-education:checked ~ .main-card .header--education { display: block !important; }
#lr-tab-education:checked ~ .main-card .panel--education  { display: grid !important; }

#lr-tab-personal:checked  ~ .main-card .header--personal  { display: block !important; }
#lr-tab-personal:checked  ~ .main-card .panel--personal   { display: grid !important; }

#lr-tab-business:checked  ~ .main-card .header--business  { display: block !important; }
#lr-tab-business:checked  ~ .main-card .panel--business   { display: grid !important; }

/* Cards */
.loan-requirements .req-card { background: #fff; border-radius: 12px; padding: 14px; box-shadow: 0 4px 14px rgba(16,24,40,.08); }
.loan-requirements .badge { display:inline-block; margin-bottom:8px; padding:4px 8px; border-radius:999px; font-size:12px; font-weight:600; }
.loan-requirements .badge.required { background: rgba(18,196,139,.1); color: #007E6E; }
.loan-requirements .badge.optional { background: rgba(255,180,84,.1); color: #e98f1c; }
.loan-requirements .req-title { font-weight: 700; font-size: 15px; margin-bottom: 4px; }
.loan-requirements .req-desc { font-size: 13px; color: #6b7280; }

/* Header styles */
.loan-requirements .header { padding: 20px; color: #fff; background: linear-gradient(180deg,#3b7dd8,#2f63b9); }
.loan-requirements .header h3 { margin: 0; font-size: 20px; }
.loan-requirements .header p { margin: 8px 0 0; font-size: 14px; opacity: .95; }

/* CTA */
.loan-requirements .cta { margin: 20px; background: rgba(47,99,185,.05); border-radius: 12px; padding:16px; display:flex; gap:12px; align-items:center; justify-content: space-between; flex-wrap:wrap; }
.loan-requirements .btn-primary { background: linear-gradient(180deg,#3b7dd8,#2f63b9); color:#fff; text-decoration:none; padding:10px 18px; border-radius:10px; font-weight:600; box-shadow:0 6px 18px rgba(47,99,185,.2); }

/* Responsive spacing */
@media (min-width: 600px){ .loan-requirements .header{ padding:24px } .loan-requirements .content{ padding:24px } }
@media (min-width: 900px){ .loan-requirements .content{ padding:28px } .loan-requirements .grid{ gap:20px } }

/* ================= SCOPED STYLES: UI/UX Testimonials ================= */
.tuiux {
  --t-bg: #0b1020;
  --t-surface: #11162a;
  --t-card: #131a33;
  --t-text: #e8eeff;
  --t-muted: #9aa6c5;
  --t-accent: #62a0ff;
  --t-accent-2: #8b5cf6;
  --t-ring: rgba(255,255,255,.12);
  --t-ring-strong: rgba(98,160,255,.35);

  position: relative;
  padding: clamp(40px, 6vw, 84px) 16px;
  background: radial-gradient(900px 500px at -10% -20%, #1b2342 0, transparent 70%),
              radial-gradient(800px 400px at 110% 30%, #1e1243 0, transparent 70%),
              var(--t-bg);
  color: var(--t-text);
  isolation: isolate;
  overflow: hidden; /* contain decorations */
}

.tuiux * { box-sizing: border-box; } /* scoped only */

.tuiux-wrap {
  max-width: 1100px;
  margin-inline: auto;
}

/* Header */
.tuiux-head { text-align: left; margin-bottom: 18px; }
.tuiux-
{
  display:inline-block; font-weight:800; letter-spacing:.12em; text-transform:uppercase;
  color:#dbe4ff; background: rgba(99,102,241,.12);
  border:1px solid var(--t-ring);
  padding:6px 10px; border-radius:999px; font-size:.78rem;
}
.tuiux-title{
  margin:.6rem 0 .25rem;
  font-size: clamp(1.6rem, 3.2vw, 2.4rem);
  font-weight: 900; line-height: 1.1;
  background: linear-gradient(90deg, #fff, #b9c6ff);
  -webkit-background-clip:text; background-clip:text; color:transparent;
}
.tuiux-subtitle{ color: var(--t-muted); max-width: 60ch; margin: 0 0 .8rem; }

/* Featured */
.tuiux-feature{
  display:grid; gap:16px; margin-top: 10px; margin-bottom: 16px;
  grid-template-columns: 1fr; /* mobile */
  padding: 0px;
  background: linear-gradient(180deg, rgba(255,255,255,.05), rgba(255,255,255,.02));
  border: 1px solid var(--t-ring);
  border-radius: 18px;
  box-shadow: 0 16px 40px rgba(0,0,0,.35), inset 0 1px 0 rgba(255,255,255,.04);
  position: relative;
}
@media (min-width: 920px){
  .tuiux-feature{ grid-template-columns: 1.2fr .8fr; align-items: start; }
}

.tuiux-feature-badge{
  position:absolute; top:14px; right:14px;
  background: linear-gradient(90deg, var(--t-accent), var(--t-accent-2));
  color:#0b1020; font-weight:900; padding:6px 10px; border-radius:999px; font-size:.72rem;
  letter-spacing:.06em;
}

.tuiux-quote{
  font-size: clamp(1.02rem, 1.7vw, 1.22rem);
  line-height:1.6; margin: 25px 0 2px; color: #f1f6ff;
  position: relative; padding-left: 20px;
}
.tuiux-quote::before{
  content:"“"; position:absolute; left:0; top:-6px; font-size:2.4rem; color:#7aa2ff33;
}

.tuiux-person{
  display:flex; align-items:center; gap:12px;
  background: rgba(255,255,255,.04);
  border: 1px solid var(--t-ring);
  padding: 0px 0px; border-radius: 12px;
}
.tuiux-avatar{
  width:42px; height:42px; border-radius:50%; object-fit:cover;
  border:2px solid #ffffff1a; display:block;
}
.tuiux-person-meta{ display:flex; flex-direction:column; }
.tuiux-name{ font-weight:800; }
.tuiux-role{ color: var(--t-muted); font-size:.9rem; }
.tuiux-stars{ margin-left:auto; color:#ffd166; letter-spacing:.08em; }

/* KPIs */
.tuiux-kpis{
  list-style:none; padding:0; margin: 0;
  display:grid; grid-template-columns: repeat(3, 1fr); gap:10px;
}
@media (max-width: 460px){ .tuiux-kpis{ grid-template-columns: 1fr; } }
.tuiux-kpi{
  background: rgba(255,255,255,.05);
  border: 1px solid var(--t-ring);
  border-radius: 12px; padding: 10px; text-align:center;
}
.tuiux-kpi-val{ display:block; font-weight:900; font-size:1.05rem; }
.tuiux-kpi-label{ color: var(--t-muted); font-size:.85rem; }

/* Cards grid */
.tuiux-grid{
  display:grid; gap: 14px;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.tuiux-card{
  display:grid; gap:10px; padding:16px; border-radius:14px;
  background: linear-gradient(180deg, rgba(255,255,255,.05), rgba(255,255,255,.02));
  border:1px solid var(--t-ring);
  box-shadow: 0 12px 28px rgba(0,0,0,.25), inset 0 1px 0 rgba(255,255,255,.04);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  will-change: transform;
}
.tuiux-card:hover{
  transform: translateY(-3px);
  border-color: var(--t-ring-strong);
  box-shadow: 0 16px 42px rgba(0,0,0,.35);
}
.tuiux-logo{
  width:34px; height:34px; border-radius:10px; font-weight:900; display:grid; place-items:center;
  background: linear-gradient(135deg,var(--t-accent),var(--t-accent-2)); color:#0b1020; letter-spacing:.04em;
  box-shadow: 0 10px 24px rgba(107,114,255,.35);
}
.tuiux-logo-ghost{
  background: linear-gradient(135deg,#93c5fd33,#c084fc33); color:#dbe6ff;
  border:1px dashed #93c5fd66;
}
.tuiux-logo-dark{
  background: #0e1630; color:#b7c4ff; border:1px solid var(--t-ring);
}
.tuiux-card-quote{ color:#eef3ff; line-height:1.55; margin:0; }
.tuiux-card-person{ display:flex; align-items:center; gap:10px; margin-top:auto; }
.tuiux-card .tuiux-avatar{ width:34px; height:34px; }

/* Light theme (optional) */
@media (prefers-color-scheme: light){
  .tuiux{ --t-bg:#f6f8ff; --t-surface:#fff; --t-card:#fff; --t-text:#ffffff; --t-muted:#51607c; --t-ring: rgba(2,6,23,.12); background:#0f193a; }
  .tuiux-quote, .tuiux-card-quote{ color:#ffffff; }
}

:link{
    text-decoration: none;
    color: #0288d1;
}
a{
  color: #06b6d4;
}
/* mouse over link */
a:hover {
  color: #06b6d4;
}

/* ========== SAE Section ========== */
:root{
  --sae-ink:#0f172a;
  --sae-muted:#475569;
  --sae-bg:#ffffff;
  --sae-brand:#4f46e5;
  --sae-brand-2:#06b6d4;
  --sae-ring:#c7d2fe;
}

.sae{ padding: 48px 0; background: var(--sae-bg); color: var(--sae-ink); }
.sae-grid{
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  align-items: center;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}
@media (min-width: 980px){
  .sae-grid{ grid-template-columns: 1.05fr 1fr; gap: 36px; }
}

.sae-title{ margin: 0 0 6px; font-size: clamp(26px, 3.2vw, 40px); line-height: 1.15; }
.sae-gradient{
  background: linear-gradient(90deg, var(--sae-brand), var(--sae-brand-2));
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.sae-tagline{ margin: 0 0 10px; color: var(--sae-muted); }

/* Visual side */
.sae-visual{ position: relative; min-height: 320px; }
@media (min-width: 980px){ .sae-visual{ min-height: 420px; } }
.sae-blob{
  position: absolute; inset: 10% 8% 10% 0;
  border-radius: 28px;
  background:
    radial-gradient(600px 300px at 70% 20%, rgba(99,102,241,.16), transparent 60%),
    radial-gradient(520px 260px at 20% 70%, rgba(16,185,129,.16), transparent 60%),
    linear-gradient(135deg, #06b6d4 0%, #eef2ff 60%, #f0f9ff 100%);
}
.sae-card{ position:absolute; inset: 0 12% 0 8%; display:grid; place-items:center; }
.sae-emoji{ font-size: clamp(120px, 18vw, 220px); }

/* Tabs (CSS-only radios) */
.sae-tabs{ margin-top: 8px; }
.sae-tab-input{ position: absolute; opacity: 0; pointer-events: none; }

.sae-tab{
  display: inline-block;
  margin-right: 10px;
  padding: 10px 14px;
  border: 1px solid #e5e7eb;
  border-radius: 999px;
  background: #fff;
  font-weight: 700;
  cursor: pointer;
  user-select: none;
  transition: background .2s, color .2s, border-color .2s;
}
.sae-tab:focus{ outline: 3px solid #e0e7ff; outline-offset: 2px; }

/* Active tab styles via sibling selectors */
#sae-tab-abroad:checked + .sae-tab { background:#eef2ff; color: var(--sae-brand); border-color: var(--sae-ring); }
#sae-tab-india:checked  + .sae-tab { background:#eef2ff; color: var(--sae-brand); border-color: var(--sae-ring); }

/* Panels */
.sae-panels{ margin-top: 8px; }
.sae-panel{ display: none; color: var(--sae-muted); }
#sae-tab-abroad:checked ~ .sae-panels #sae-panel-abroad{ display:block; }
#sae-tab-india:checked  ~ .sae-panels #sae-panel-india{ display:block; }

/* Perks */
.sae-perks{
  list-style: none; padding: 0; margin: 16px 0 12px;
  display: grid; gap: 12px; grid-template-columns: repeat(2, minmax(0,1fr));
}
@media (min-width: 760px){ .sae-perks{ grid-template-columns: repeat(4, minmax(0,1fr)); } }
.sae-perk{ display:flex; flex-direction:column; align-items:center; text-align:center; gap:8px; }
.sae-icon{
  width: 46px; height: 46px; border-radius: 999px; display:grid; place-items:center;
  background: #fff; border: 1px solid #e5e7eb; font-size: 22px;
}

/* CTA */
.sae-btn{
  display:inline-block; padding: 12px 18px; border-radius: 999px;
  background: linear-gradient(90deg, var(--sae-brand), var(--sae-brand-2));
  color: #fff; text-decoration: none; font-weight: 700;
  box-shadow: 0 6px 16px rgba(79,70,229,.25);
  transition: transform .15s ease, box-shadow .15s ease;
}
.sae-btn:hover{ transform: translateY(-1px); box-shadow: 0 10px 22px rgba(79,70,229,.32); }



/* ===== Unique Education Loan Section (ulx-) — Responsive + Working Consent ===== */
:root{
  --ulx-ink:#0f172a;
  --ulx-muted:#475569;
  --ulx-line:#e5e7eb;
  --ulx-brand:#0b3a82;       /* deep blue */
  --ulx-accent:#f97316;      /* vivid orange */
  --ulx-surface:#ffffff;
  --ulx-shadow:0 12px 32px rgba(2,6,23,.12);
}

*,
*::before,
*::after{ box-sizing:border-box; }

.ulx{ padding:64px 0; background:#fff; color:var(--ulx-ink); font-family:Inter, ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; }
.ulx-shell{
  max-width:1200px; margin:0 auto; padding:0 20px;
  display:grid; gap:32px; grid-template-columns:1fr; align-items:start;
}
@media (min-width:1024px){
  .ulx-shell{ grid-template-columns: 1.05fr 0.95fr; gap:40px; }
}

/* LEFT */
.ulx-title {
    background: linear-gradient(90deg, #3b7dd8, #0b1020);
    background-clip: text;
    color: transparent;
    margin:0; font-size: clamp(30px, 5.2vw, 56px); line-height:1.06; letter-spacing:.2px;
}
.ulx-accent{ color: #2865c8; }
.ulx-strong{ color: #0b2e5e; display:inline-block; }
.ulx-points{ list-style:none; padding:0; margin:18px 0 0; display:grid; gap:16px; font-size:18px; color:var(--ulx-brand); }
.ulx-check{
  display:inline-grid; place-items:center; width:32px; height:32px; margin-right:12px;
  border:2px solid #0ea5a3; color:#0ea5a3; border-radius:999px; font-weight:800;
}
.ulx-points li{ display:flex; align-items:center; }
.ulx-trust{ margin-top:16px; color:var(--ulx-muted); display:flex; flex-wrap:wrap; gap:10px 16px; align-items:center; }
.ulx-dot{ width:8px; height:8px; background:#10b981; border-radius:50%; display:inline-block; }
.ulx-sep{ width:6px; height:6px; background:#cbd5e1; border-radius:50%; display:inline-block; }

/* RIGHT container */
.ulx-right{ position:relative; }

/* Background arc */
.ulx-arc{
  position:absolute; inset:-120px -200px auto auto; width:820px; height:820px; z-index:0;
  background:
    conic-gradient(from 210deg at 65% 40%, transparent 0 68%, rgba(249,115,22,.18) 68% 86%, transparent 86% 100%),
    radial-gradient(closest-side at 62% 46%, rgba(255,180,124,.4), transparent 70%);
  border-radius:50%;
  filter:saturate(1.05);
  pointer-events:none;
}

/* Stage aligns hero + form responsively */
.ulx-stage{
  position:relative; z-index:1;
  display:grid; gap:24px; grid-template-columns:1fr; justify-items:center; align-items:center;
}
@media (min-width:1024px){
  .ulx-stage{ grid-template-columns: minmax(0,1fr) 420px; }
}

/* Hero image — CENTERED on desktop & mobile */
.ulx-hero{
  width:= max-width:520px; height:auto; object-fit:contain;
  justify-self:center; align-self:center;
}

/* Form card */
.ulx-card{
  width:100%; max-width:420px;
  background:var(--ulx-surface); border:1px solid var(--ulx-line); border-radius:20px;
  box-shadow: var(--ulx-shadow); padding:22px;
}
.ulx-card-title{ margin:0 0 14px; font-size:20px; color:var(--ulx-brand); text-align:center; font-weight:800; }

/* Form grid */
.ulx-grid{ display:grid; gap:14px; grid-template-columns:1fr; margin-bottom:12px; }
@media (min-width:640px){ .ulx-grid{ grid-template-columns:1fr 1fr; } }

/* Floating labels */
.ulx-field{ position:relative; }
.ulx-field input,
.ulx-field select{
  width:100%; height:52px; padding:14px 14px 0; border:1px solid var(--ulx-line); border-radius:12px;
  background:#fff; color:var(--ulx-ink); font-size:16px; outline:none; transition:border-color .15s, box-shadow .15s;
}
.ulx-field input:focus,
.ulx-field select:focus{ border-color:#c7d2fe; box-shadow:0 0 0 3px #e0e7ff; }

.ulx-field label{
  position:absolute; left:12px; top:12px; padding:0 6px; background:#fff; color:#64748b;
  font-size:14px; border-radius:6px; transform-origin:left top; transition: transform .15s ease, color .15s ease;
}
.ulx-field input:not(:placeholder-shown) + label,
.ulx-field input:focus + label{ transform: translateY(-14px) scale(.86); color:var(--ulx-brand); }
.ulx-field select:focus + label,
.ulx-field select:required:valid + label{ transform: translateY(-14px) scale(.86); color:var(--ulx-brand); }

/* ✅ Working consent */
.ulx-consent{
  display:flex; gap:10px; align-items:flex-start; font-size:13px; color:var(--ulx-muted); margin:6px 0 14px;
}
.ulx-consent input[type="checkbox"]{ margin-top:3px; }
.ulx-consent label{ cursor:pointer; line-height:1.5; }
.ulx-consent .ulx-terms{ color:var(--ulx-brand); text-decoration:underline; }

/* Captcha placeholder */
.ulx-captcha{
  display:flex; align-items:center; justify-content:space-between; gap:12px;
  border:1px solid var(--ulx-line); border-radius:12px; padding:10px 12px; background:#fff; margin-bottom:14px;
}
.ulx-cb{ display:flex; align-items:center; gap:8px; color:#111827; }
.ulx-cap-logo{
  width:140px; height:46px; border:1px solid #d1d5db; border-radius:8px; display:grid; place-items:center;
  font-size:12px; color:#6b7280; text-align:center; line-height:1.1;
}

/* CTA */
.ulx-btn{
  display:block; width:100%; border:0; cursor:pointer;
  background: linear-gradient(90deg, #0b1020, #3b7dd8);
  color:#fff; font-weight:900; letter-spacing:.2px;
  padding:14px 20px; border-radius:999px; box-shadow:0 12px 28px rgba(18, 18, 18, 0.28);
  transition: transform .12s ease, filter .12s ease;
}
.ulx-btn:hover{ transform: translateY(-1px); filter: brightness(1.04); }

/* Small devices */
@media (max-width:480px){
  .ulx{ padding:44px 0; }
  .ulx-title{ font-size:28px; }
  .ulx-hero{ width:85%; }
}

/* CredVeda Container*/
.CredVeda-container {
    text-align: center;
    padding: 40px;
}
.highlight {
    color: #5f99e1;
}

.description {
    font-size: 1.2em;
    margin-bottom: 30px;
}

.features {
    display: flex;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
    margin-top: 20px;
}

.feature-item {
    background-color: #FFFFFF;
    color: #1D3A5D;
    padding: 10px 20px;
    border-radius: 20px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease-in-out;
    box-shadow: var(--shadow);
}

.feature-item:hover {
    background-color: #33A1E0;
    color: white;
}

/* ---------- Base layout helpers (scoped to 'edu-*') ---------- */
.edu-container{ width:min(1120px, 92%); margin-inline:auto; }
.edu-split{ display:grid; align-items:center; gap:40px; grid-template-columns: 1.1fr 1fr; }
@media (max-width: 980px){ .edu-split{ grid-template-columns: 1fr; } }

.edu-btn{
  --pad-y: 12px; --pad-x: 18px;
  display:inline-block; padding:var(--pad-y) var(--pad-x); border-radius:12px;
  font-weight:700; text-decoration:none; border:1px solid transparent;
}
.edu-btn--primary{ background:#3b82f6; color:#fff; box-shadow:var(--shadow); }
.edu-btn--primary:hover{ background:var(--brand-dark); }
.edu-btn--ghost{ background:transparent; color:var(--ink); border-color: var(--ring); }
.edu-btn--ghost:hover{ border-color: var(--ink); }
.edu-btn--light{ background:#f8fafc; color:var(--ink); border:1px solid var(--ring); }
.edu-btn--outline{ background:#fff; color:var(--brand-dark); border:1px solid var(--brand); }

/* ---------- HERO ---------- */
.edu-hero{ padding: clamp(36px, 6vw, 84px) 0; }
.edu-eyebrow{
  display:inline-block; margin-bottom:10px; color:var(--brand-dark); font-weight:800; text-decoration:none;
}
.edu-title{ font-size: clamp(28px, 4.2vw, 44px); line-height:1.12; margin:0 0 10px; color:#3b7dd8;  }
.edu-lead{ color:var(--muted); font-size: clamp(15px, 1.7vw, 17.5px); margin:0 0 14px; }

.edu-checklist{ list-style:none; margin:14px 0 0; padding:0; display:grid; gap:10px; }
.edu-checklist li{ display:flex; align-items:center; gap:12px; font-weight:600; color:var(--ink); }
.edu-check{
  width:28px; height:28px; border-radius:10px; display:grid; place-items:center;
  background:var(--ok-bg); color:var(--ok); border:2px solid #3b82f6; font-weight:900;
}
.edu-actions{ display:flex; gap:12px; flex-wrap:wrap; margin-top:14px }

/* ---------- Figure + badges ---------- */
.edu-figure{ position:relative; }
.edu-frame{
  background: border-radius:30px; min-height:460px; display:grid; place-items:end; overflow:hidden;
}
.edu-photo{ width:min(520px, 96%); height:auto; display:block; }

/* badges */
.edu-badge{
  position:absolute; display:flex; align-items:center; gap:10px;
  background:#fff; border:1px solid var(--ring); border-radius:18px; padding:10px 14px;
  box-shadow:var(--shadow); color:var(--ink); font-weight:700;
}
.edu-badge .edu-dot{
  width:28px; height:28px; border-radius:10px; display:grid; place-items:center;
  background:linear-gradient(135deg,#4f46e5,#3730a3); color:#fff; font-weight:800;
}
.edu-badge__text small{ display:block; color:#64748b; font-weight:700; line-height:1; }
.edu-badge__text strong{ display:block; line-height:1.1; }

.edu-badge--success{ top:-12px; left:-12px; }
.edu-badge--students{ left:-16px; top:50%; transform:translateY(-50%); }
.edu-badge--quality{ left:8px; bottom:-12px; }

@media (max-width: 980px){
  .edu-badge--students{ top:auto; bottom:-10px; transform:none; }
  .edu-badge--quality{ display:none; }
}
@media (max-width: 520px){
  .edu-badge--success{ transform:scale(.95); }
  .edu-badge--students{ transform:scale(.95); left:-10px; }
}

/* ---------- Band (3-up info) ---------- */
.edu-band{ padding: 24px 0 8px }
.edu-band__grid{ display:grid; gap:16px; }
@media (min-width: 900px){ .edu-band__grid{ grid-template-columns: repeat(3,1fr); } }

.edu-band__item{
  background:var(--card); border:1px solid var(--ring); border-radius:18px; padding:18px;
  box-shadow: var(--shadow);
}
.edu-band__item h3{ margin:6px 0 6px; font-size:18px; color:#3b7dd8;text-align: center; }
.edu-band__item p{ margin:0; color:var(--muted);text-align: center; }
.edu-ico{
  border-radius:12px; display:grid; place-items:center;
  border:1px solid var(--ring);
}

/* ---------- CTA ---------- */
.edu-cta{ padding: 28px 0 54px }
.edu-cta__box{
  background: #0ea5e914; border:4px dashed #7dd3fc; border-radius:22px; padding:28px;
  text-align:center; box-shadow:var(--shadow);
}
.edu-cta__box h2{ margin:0 0 6px; color:var(--ink); font-size: clamp(22px, 3.2vw, 30px); }
.edu-cta__box p{ margin:0 0 14px; color:var(--muted); }
.edu-cta__actions{ display:flex; gap:12px; justify-content:center; flex-wrap:wrap; }

/* ===== Scoped 6-box section (no leaks) ===== */
#elb6{
  --elb6-wrap: min(1200px, 94vw);
  --elb6-radius: 20px;
  --elb6-ink: #0f172a;
  --elb6-muted: #5b6475;
  --elb6-shadow: 0 10px 28px rgba(2,6,23,.06);
}
#elb6 *{ box-sizing: border-box }

#elb6 .elb6-container{ max-width: var(--elb6-wrap); margin: 0 auto; padding: clamp(28px, 6vw, 72px) 0 }
#elb6 .elb6-header{ text-align:center; margin-bottom: clamp(16px, 3vw, 28px) }
#elb6 .elb6-title{ margin:0 0 6px; font-size: clamp(22px, 3.2vw, 34px); color: var(--elb6-ink) }
#elb6 .elb6-sub{ margin:0; color: var(--elb6-muted) }

/* Grid: fluid → 1/2/3 columns */
#elb6 .elb6-grid{
  list-style:none; margin:0; padding:0;
  display:grid; gap: clamp(12px, 2.4vw, 22px);
  grid-template-columns: 1fr;
}
@media (min-width: 700px){ #elb6 .elb6-grid{ grid-template-columns: repeat(2, minmax(0,1fr)) } }
@media (min-width: 1024px){ #elb6 .elb6-grid{ grid-template-columns: repeat(3, minmax(0,1fr)) } }

/* Card */
#elb6 .elb6-card{
  position:relative; padding:20px 18px 18px; border-radius: var(--elb6-radius);
  background: linear-gradient(#fff,#fff) padding-box,
              linear-gradient(135deg, var(--elb6-g1), var(--elb6-g2)) border-box;
  border:1px solid transparent; box-shadow: var(--elb6-shadow);
  transition: transform .2s ease, box-shadow .2s ease; isolation:isolate;
}
#elb6 .elb6-card:hover{ transform: translateY(-4px); box-shadow: 0 16px 44px rgba(2,6,23,.10) }
#elb6 .elb6-card::before{
  content:""; position:absolute; inset:0; border-radius:inherit; z-index:-1;
  background: radial-gradient(460px 150px at 85% -10%,
              color-mix(in oklab, var(--elb6-g2), #fff 82%), transparent 60%);
  opacity:.55;
}
#elb6 .elb6-card::after{
  content:""; position:absolute; top:0; right:0; width:86px; height:86px; opacity:.18;
  background: conic-gradient(from 190deg at 100% 0%, var(--elb6-g2), transparent 46%);
  border-top-right-radius: inherit; border-bottom-left-radius: 100%;
}

/* Content */
#elb6 .elb6-head{ display:flex; align-items:center; gap:12px; margin-bottom:8px }
#elb6 .elb6-badge{
  width:52px; height:52px; border-radius:14px; display:grid; place-items:center; color:#fff;
  font-weight:800; font-size: clamp(18px, 2.4vw, 22px);
  background: linear-gradient(135deg, var(--elb6-g1), var(--elb6-g2));
  box-shadow: 0 8px 20px color-mix(in oklab, var(--elb6-g2), #000 10%);
}
#elb6 .elb6-h3{ margin:0; font-size: clamp(16px, 2.1vw, 20px); color: var(--elb6-ink) }
#elb6 .elb6-lead{ margin:0 0 10px; color: var(--elb6-muted) }

#elb6 .elb6-list{ margin:0; padding:0; list-style:none; display:grid; gap:8px }
#elb6 .elb6-list li{ position:relative; padding-left:18px; color:#334155 }
#elb6 .elb6-list li::before{
  content:""; position:absolute; left:0; top:9px; width:8px; height:8px; border-radius:50%;
  background: var(--elb6-g2);
}

/* Color themes */
#elb6 .elb6--blue   { --elb6-g1:#60a5fa; --elb6-g2:#2563eb }
#elb6 .elb6--green  { --elb6-g1:#34d399; --elb6-g2:#059669 }
#elb6 .elb6--purple { --elb6-g1:#c084fc; --elb6-g2:#7c3aed }
#elb6 .elb6--amber  { --elb6-g1:#fbbf24; --elb6-g2:#d97706 }
#elb6 .elb6--pink   { --elb6-g1:#fb7185; --elb6-g2:#db2777 }
#elb6 .elb6--indigo { --elb6-g1:#818cf8; --elb6-g2:#4f46e5 }

/* Reduced motion */
@media (prefers-reduced-motion: reduce){
  #elb6 .elb6-card, #elb6 .elb6-card:hover{ transition:none; transform:none }
}

.CredVeda1-section {
  padding: 60px 5%;
}

.CredVeda1-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 25px;
}

.CredVeda1-card {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.08);
  overflow: hidden;
  position: relative;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  padding-bottom: 25px;
}

.CredVeda1-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.15);
}

.flag {
  position: absolute;
  top: 15px;
  left: 15px;
  background: #fff;
  border-radius: 50%;
  padding: 5px;
}

.flag img {
  width: 35px;
  height: 35px;
  border-radius: 50%;
}

.image img {
  width: 100%;
  height: 200px;
  object-fit: cover;
}

.CredVeda1-card h2 {
  font-size: 1.5rem;
  font-weight: 700;
  margin: 20px 20px 5px;
  color: #0d1b3e;
}

.CredVeda1-subtitle {
  font-weight: 500;
  color: #333;
  margin: 0 20px 15px;
  border-bottom: 3px solid #3b7dd8;
  display: inline-block;
  padding-bottom: 5px;
}


.btn1 {
  display: inline-block;
  background: #12c48b;
  color: #fff;
  padding: 10px 25px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  margin: 0 20px;
  transition: background 0.3s ease;
}

.btn1:hover {
  background: #0fa176;
}

/* Responsive */
@media (max-width: 768px) {
  .study-card h2 {
    font-size: 1.3rem;
  }
  .subtitle {
    font-size: 0.9rem;
  }
}

  /* Headline */
  h2 {
    font-size: -2.2rem;
    font-weight: 800;
    color: #0b1222;
    letter-spacing: -0.5px;
  }

  h2 span {
    background: linear-gradient(90deg, #3b82f6, #7c3aed);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
  }

  p.subtitle {
    margin-top: 16px;
    font-size: 1.1rem;
    color: #475569;
    max-width: 750px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.7;
  }

  /* Stats Cards */
  .businessloan-container {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 25px;
    margin-top: 60px;
  }

  .businessloan-card {
    background: #fff;
    border-radius: 20px;
    box-shadow: 0 10px 25px rgba(0,0,0,0.05);
    flex: 1 1 300px;
    max-width: 340px;
    padding: 35px 25px;
    position: relative;
    overflow: hidden;
    transition: all 0.4s ease;
  }

  .businessloan-card::before {
    content: "";
    position: absolute;
    top: -60px;
    right: -60px;
    width: 120px;
    height: 120px;
    border-radius: 50%;
    background: linear-gradient(135deg, #3b82f6, #7c3aed);
    opacity: 0.15;
    transition: all 0.4s ease;
  }

  .businessloan-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(0,0,0,0.08);
  }

  .businessloan-card:hover::before {
    opacity: 0.3;
  }

  .icon-box {
    width: 60px;
    height: 60px;
    margin: 0 auto 20px;
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    color: #fff;
  }

  .blue { background: linear-gradient(135deg, #3b82f6, #60a5fa); }
  .green { background: linear-gradient(135deg, #10b981, #22c55e); }
  .purple { background: linear-gradient(135deg, #8b5cf6, #a855f7); }

  .businessloan-value {
    font-size: 1.9rem;
    font-weight: 700;
    color: #111827;
  }

  .businessloan-text {
    margin-top: 5px;
    color: #6b7280;
    font-size: 0.95rem;
  }

  /* businessloan-features List */
  .businessloan-features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 16px;
    margin-top: 50px;
    text-align: left;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
  }

  .businessloan-features li {
    list-style: none;
    background: #eef2ff;
    padding: 14px 18px;
    border-radius: 14px;
    font-size: 0.95rem;
    color: #1f2937;
    display: flex;
    align-items: center;
    gap: 10px;
    transition: all 0.3s ease;
  }

  .businessloan-features li:hover {
    background: #e0e7ff;
    transform: translateX(5px);
  }

  .businessloan-features li::before {
    content: "✔";
    font-weight: bold;
    color: #3b82f6;
  }

  /* Responsive */
  @media (max-width: 768px) {
    h2 {
      font-size: 2.2rem;
    }
    .businessloan-card {
      padding: 28px;
    }
  }

  @media (max-width: 480px) {
    h2 {
      font-size: 1.9rem;
    }
    p.subtitle {
      font-size: 1rem;
    }
  }
  /* journey-section */
   body {
    font-family: 'Poppins', sans-serif;
    margin: 0;
    padding: 0;
    color: #1a2a44;
  }

  /* 🔷 Section with background image */
  .journey-section {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 70px 8%;
    flex-wrap: wrap;
    background: 
      linear-gradient(rgba(255, 255, 255, 0.90), rgba(255, 255, 255, 0.90)),
      url("image/bg_4.webp") center/cover no-repeat;
    background-attachment: fixed;
  }

  .journey-content {
    flex: 1;
    min-width: 300px;
    margin-right: 50px;
  }

  .journey-content h2 {
    font-size: 2.3rem;
    font-weight: 700;
    margin-bottom: 15px;
  }

  .journey-content p {
    color: #44576d;
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 40px;
  }

  .stats-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
    margin-bottom: 30px;
  }

  .stat-box {
    background: rgba(109, 159, 219, 0.22);
    border-radius: 12px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.05);
    text-align: center;
    padding: 25px 20px;
    backdrop-filter: blur(6px);
  }

  .stat-box h3 {
    font-size: 2rem;
    color: #0c6efd;
    margin: 0;
  }

  .stat-box p {
    margin-top: 10px;
    font-size: 0.95rem;
    color: #566a7f;
  }

  .btn-group {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
  }

  .btn-primary, .btn-outline {
    padding: 14px 24px;
    border-radius: 8px;
    font-weight: 600;
    cursor: pointer;
    border: none;
    transition: 0.3s ease;
  }

  .btn-primary {
    background:#4c74c0;
    color: #fff;
  }

  .btn-primary:hover {
    background: #084cbd;
  }

  .btn-outline {
    background: #fff;
    border: 2px solid #0c6efd;
    color: #0c6efd;
  }

  .btn-outline:hover {
    background: #0c6efd;
    color: #fff;
  }

  .journey-image {
    flex: 1;
    display: flex;
    justify-content: center;
    min-width: 320px;
  }

  .journey-image img {
    width: 100%;
    max-width: 550px;
    border-radius: 18px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
  }

  @media (max-width: 992px) {
    .journey-section {
      flex-direction: column-reverse;
      text-align: center;
      background-attachment: scroll;
    }
    .journey-content {
      margin-right: 0;
      font-family: 'Poppins', sans-serif;
    }
    .journey-image {
      margin-bottom: 30px;
    }
  } 
/* Why Choose Section */
body {
  margin: 0;
  font-family: "Poppins", sans-serif;
  background: #cde5f41c;
  background-image: url("image/bg_10.webp");
  color: #333;
}

.features-section {
  background: linear-gradient(135deg, #e3f2fd 0%, #bbdefb 100%);
  background-image: url("image/bg_3.jpg");
  background-size: cover;
  background-repeat: no-repeat;
  padding: 1px 20px;
}

.features-content {
  max-width: 1200px;
  margin: 0 auto;
  text-align: center;
}

.features-content h2 {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.features-content h2 span {
  color: #0288d1;
}

.subtitle {
  font-size: 1rem;
  color: #555;
  max-width: 800px;
  margin: 0 auto 50px;
}

.features-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 40px;
}

.feature-box {
  background: #fff;
  border-radius: 20px;
  padding: 25px;
  width: 300px;
  box-shadow: 0 4px 10px rgb(40 178 200 / 43%);
  transition: transform 0.3s ease;
}

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

.hex {
  width: 100px;
  height: 100px;
  background: #c1e0ed;
  clip-path: polygon(50% 0%, 93% 25%, 93% 75%, 50% 100%, 7% 75%, 7% 25%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: white;
  font-size: 2rem;
  box-shadow: 0 4px 8px rgba(0,0,0,0.2);
}

.feature-box h3 {
  font-size: 1.1rem;
  color: #222;
  margin-bottom: 10px;
}

.feature-box p {
  font-size: 0.95rem;
  color: #555;
  margin-bottom: 10px;
}

.feature-box ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.feature-box ul li {
  font-size: 0.9rem;
  color: #555;
  margin-bottom: 5px;
  text-align: center;
}

/* Responsive */
@media (max-width: 768px) {
  .features-grid {
    flex-direction: column;
    align-items: center;
  }

  .feature-box {
    width: 90%;
  }

  .hex {
    width: 80px;
    height: 80px;
    font-size: 1.5rem;
  }
}

.why-choose-us {
      text-align: center;
      padding: 80px 20px;
      background-color: #fff;
    }

    .why-choose-us h2 {
      font-size: 36px;
      font-weight: 700;
      color: #0b132b;
      margin-bottom: 10px;
    }

    .why-choose-us p {
      color: #555;
      font-size: 18px;
      margin-bottom: 50px;
    }

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

    .whyfeature-item {
      background: #fff;
      border-radius: 12px;
      padding: 30px 20px;
      transition: all 0.3s ease;
    }

    .whyfeature-item:hover {
      transform: translateY(-5px);
    }

    .icon-circle {
      width: 80px;
      height: 80px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 20px;
      font-size: 32px;
    }

    .blue-bg { background-color: #e6eeff; color: #3b82f6; }
    .green-bg { background-color: #e6f8ee; color: #22c55e; }
    .purple-bg { background-color: #f3e8ff; color: #9333ea; }
    .yellow-bg { background-color: #fff9e6; color: #f59e0b; }

    .feature-item h3 {
      font-size: 20px;
      font-weight: 700;
      margin-bottom: 10px;
      color: #0b132b;
    }

    .whyfeature-item p {
      font-size: 16px;
      color: #555;
      line-height: 1.6;
    }

    /* welcome*/
    @media (max-width: 768px) {
      .why-choose-us h2 {
        font-size: 28px;
      }
      .why-choose-us p {
        font-size: 16px;
      }
    }

      .welcome-image {
        text-align: center;
        margin-bottom: 40px;
      }

      .welcome-image img {
        max-width: 400px;
      }

    @media (max-width: 600px) {
      .welcome-content h1 {
        font-size: 1.9rem;
      }

      .welcome-content p {
        font-size: 1rem;
      }

      .welcome-image img {
        max-width: 320px;
      }
    }

    .wellcomes-container {
    display: flex;
    justify-content: center;
    align-items: stretch;
    flex-wrap: nowrap;
    gap: 20px;
    max-width: 1300px;
    margin: auto;
    overflow-x: 0px;
    padding: 0 20px;
    margin: 33px;
    margin-left: auto;
    margin-right: auto;
  }

  .wellcome-box {
    background-color: #fafafa;
    border-radius: 12px;
    flex: 1 1 20%;
    min-width: 230px;
    padding: 25px 20px;
    text-align: center;
    box-shadow: 0px 2px 15px #3b7dd854;
    transition: all 0.3s ease;
  }

  .wellcome-box:hover {
    transform: translateY(-5px);
    box-shadow: 0 4px 15px rgba(0,0,0,0.1);
  }

  .wellcome-number {
    width: 71px;
    height: 45px;
    background-color: #f1f3f6;
    border-radius: 50%;
    color: #000;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 18px;
    margin: 0 auto 15px;
  }

  .wellcome-title {
    font-weight: 700;
    font-size: 18px;
    color: #000;
    margin-bottom: 10px;
  }

  .wellcome-text {
    color: #555;
    font-size: 15px;
    line-height: 1.6;
  }

  /* Mobile responsive */
  @media (max-width: 768px) {
    .wellcomes-container {
      flex-wrap: wrap;
    }
    .wellcome-box {
      flex: 1 1 45%;
    }
  }

  @media (max-width: 480px) {
    .wellcome-box {
      flex: 1 1 100%;
    }
  }

  /* ====== Scoped cred Form Styles ====== */
  .cred-form-section{
    --bg:#ffffff; --text:#0f172a; --muted:#64748b;
    --brand:#1a73e8; --brand-2:#60a5fa;
    --card:#f8fbff; --card-border:#e6efff; --ring:#3b82f6;
    --radius:18px; --shadow:0 10px 30px rgba(2,6,23,.08);
    font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  }

  .cred-form-section *{box-sizing:border-box}
  .cred-form-section img{max-width:100%;display:block}
  .cred-form-section .container{width:min(1150px,92vw);margin-inline:auto}

  /* ====== cred Section ====== */
  .cred-form-section .cred{padding:clamp(28px,5vw,64px) 0}
  .cred-form-section .cred-grid{
    display:grid;align-items:center;gap:clamp(22px,3.5vw,48px);
    grid-template-columns:1.05fr 1fr;
  }
  @media (max-width:920px){ 
    .cred-form-section .cred-grid{grid-template-columns:1fr} 
    .cred-form-section .cred-form{order:2} 
  }

  .cred-form-section .eyebrow{
    letter-spacing:.16em;text-transform:uppercase;font-size:.8rem;
    color:var(--muted);margin:0 0 10px
  }
  .cred-form-section .edu-title{
    font-size:clamp(28px,4vw,44px);line-height:1.15;font-weight:800;margin:0 0 12px
  }
  .cred-form-section .gradient-text{
    background:linear-gradient(90deg, #3b82f6, #06b6d4);
    -webkit-background-clip:text;background-clip:text;color:transparent
  }
  .cred-form-section .lead{
    font-size:1.05rem;line-height: 1.7; color:var(--muted);max-width:60ch;margin:10px 0 18px
  }
  .cred-form-section .cred-points{
    list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:18px 28px
  }
  .cred-form-section .cred-points li{font-size:.98rem}

  /* ====== Card/Form ====== */
  .cred-form-section .card{
    background:var(--card);border:1px solid var(--card-border);
    border-radius:var(--radius);box-shadow:var(--shadow);
    padding:clamp(18px,3.2vw,28px);
    position:relative;
  }
  .cred-form-section .form-title{
    font-size:clamp(20px,2.4vw,26px);margin:2px 0 14px;font-weight:800
  }
  .cred-form-section .form-grid{
    display:grid;grid-template-columns:1fr 1fr;gap:14px 16px
  }
  .cred-form-section .form-grid .full{grid-column:1/-1}
  @media (max-width:640px){ 
    .cred-form-section .form-grid{grid-template-columns:1fr} 
  }

  .cred-form-section .field{display:grid;gap:6px}
  .cred-form-section .field span{font-size:.9rem}
  .cred-form-section .field sup{color:#ef4444}
  .cred-form-section .field input,
  .cred-form-section .field select,
  .cred-form-section .field textarea{
    width:100%;height:42px;border:1px solid #dbe3f5;border-radius:10px;background:#fff;
    padding:0 12px;font-size:.95rem;outline:none;transition:border-color .2s, box-shadow .2s
  }
  .cred-form-section .field textarea{min-height:100px;padding-top:10px;resize:vertical}
  .cred-form-section .field input:focus,
  .cred-form-section .field select:focus,
  .cred-form-section .field textarea:focus{
    border-color:var(--ring);box-shadow:0 0 0 3px rgba(59,130,246,.22)
  }

  .cred-form-section .checkbox{
    display:flex;align-items:center;gap:10px;font-size:.92rem;color:var(--muted)
  }
  .cred-form-section .checkbox input{
    width:18px;height:18px;border-radius:5px;accent-color:var(--brand)
  }

  .cred-form-section .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:10px;
    padding:12px 16px;border-radius:999px;border:0;cursor:pointer;
    font-weight:700;font-size:.98rem
  }
  .cred-form-section .btn-primary{
    background:linear-gradient(90deg,var(--brand),var(--brand-2));color:#fff;width:100%;
    margin-top:10px;transition:transform .06s, filter .2s
  }
  .cred-form-section .btn-primary:hover{filter:brightness(1.05)}
  .cred-form-section .btn-primary:active{transform:translateY(1px)}
  .cred-form-section .form-note{margin:10px 0 0;font-size:.85rem;color:var(--muted);text-align:center}

  /* ====== Success Message ====== */
  .cred-form-section .success-message {
    display:none;
    margin-top:18px;
    background:#ecfdf5;
    border:1px solid #a7f3d0;
    color:#065f46;
    padding:14px;
    border-radius:10px;
    font-weight:600;
    text-align:center;
    animation: fadeIn .6s ease;
  }
  @keyframes fadeIn {
    from {opacity:0; transform:translateY(5px);}
    to {opacity:1; transform:translateY(0);}
  }

  /* Welcome Section */
.Welcome-section {
  display: flex;
  align-items: center;
  gap: 120px;
  padding: 19px 6%;
  border-radius: 16px;
  flex-wrap: wrap;
}


/* Right content */
.Welcome-content {
  flex: 1;
  min-width: 320px;
}

.Welcome-content h2 {
  font-size: 3.2rem;
  font-weight: 700;
  color: #047857;
  margin-bottom: 15px;
  text-align: center;
}

.Welcome-content p {
  color: #333;
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: 15px;
}

/* Responsive */
@media (max-width: 992px) {
  .Welcome-section {
    flex-direction: column;
    text-align: left;
    gap: 10px;
  }

  .Welcomeloan-image img {
    width: 300px%;
    max-width: 300px;
  }

  .Welcome-content h2 {
    text-align: center;
    font-size: 2rem;
  }
}

/* Partners*/
.partners-section {
      text-align: center;
      padding: 10px 20px;
      max-width: 1200px;
      margin: auto;
    }

    .partners-section h2 {
      font-size: 2.5rem;
      font-weight: 700;
      margin-bottom: 10px;
    }

    .partners-section h2 span {
      color: #63bfa5;
    }

    .partners-section p {
      font-size: 1.1rem;
      margin-bottom: 40px;
    }

    .partners-features {
      display: flex;
      flex-wrap: wrap;
      justify-content: center;
      gap: 15px;
      margin-bottom: 50px;
    }

    .partners-feature {
      background: #fff;
      border: 1px solid rgb(27 127 204 / 80%);
      border-radius: 50px;
      padding: 11px 15px;
      font-size: 0.95rem;
    }

    /* Continuous slider container */
    .slider {
      position: relative;
      overflow: hidden;
      width: 100%;
    }

    .slide-track {
      display: flex;
      width: calc(250px * 14);
      animation: scroll 40s linear infinite;
    }

    @keyframes scroll {
      0% { transform: translateX(0); }
      100% { transform: translateX(calc(-250px * 7)); }
    }

    .partner-card {
      background: #fff;
      border: 1px solid #167ac6;
      border-radius: 20px;
      width: 230px;
      height: 100px;
      display: flex;
      align-items: center;
      gap: 15px;
      margin: 0 10px;
      flex-shrink: 0;
      justify-content: center;
      transition: transform 0.3s ease;
    }

    .partner-card:hover {
      transform: scale(1.05);
      background: #eef1f3;
    }

    .partner-logo {
      width: 55px;
      height: 55px;
      border-radius: 12px;
      background: white;
      display: flex;
      align-items: center;
      justify-content: center;
      overflow: hidden;
    }

    .partner-logo img {
      max-width: 80%;
      height: auto;
    }

    .partner-info h3 {
      font-size: 1rem;
      margin: 0;
      font-weight: 600;
    }

    .partner-info p {
      font-size: 0.85rem;
      color: #aab0bc;
      margin: 4px 0 0;
    }

    /* Responsive */
    @media (max-width: 768px) {
      .partners-section h2 {
        font-size: 1.9rem;
      }
      .partner-card {
        width: 180px;
        height: 90px;
      }
      .slide-track {
        width: calc(180px * 14);
        animation: scroll 35s linear infinite;
      }
      @keyframes scroll {
        0% { transform: translateX(0); }
        100% { transform: translateX(calc(-180px * 7)); }
      }
    }

 /* Main Section */
  .subscribe-section {
    background: linear-gradient(90deg, #144281, #144281);
    color: #fff;
    padding: 40px 20px;
    display: flex;
    justify-content: center;
    align-items: center;
  }

  .subscribe-container {
    width: 100%;
    max-width: 1200px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
  }

  /* Text */
  .subscribe-text {
    flex: 1 1 250px;
    font-size: 20px;
    font-weight: 500;
    line-height: 1.4;
  }

  .subscribe-text span {
    display: block;
    font-size: 30px;
    font-weight: 700;
  }

  /* Form */
  .subscribe-form {
    display: flex;
    flex: 2 1 600px;
    gap: 15px;
    flex-wrap: wrap;
    justify-content: flex-end;
  }

  .subscribe-form input {
    flex: 1 1 260px;
    padding: 14px 18px;
    border-radius: 8px;
    border: none;
    outline: none;
    font-size: 16px;
    width: 100%;
  }

  .subscribe-form button {
    background-color: #fff;
    color: #000;
    font-weight: 600;
    font-size: 16px;
    padding: 14px 30px;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    transition: 0.3s ease;
  }

  .subscribe-form button:hover {
    background-color: #2bc0d9;
  }

  /* Responsive Design */
  @media (max-width: 992px) {
    .subscribe-container {
      align-items: center;
      text-align: center;
    }

    .subscribe-text {
      font-size: 18px;
    }

    .subscribe-text span {
      font-size: 26px;
    }

    .subscribe-form {
      justify-content: center;
      width: 100%;
    }

    .subscribe-form input,
    .subscribe-form button {
      flex: 1 1 100%;
      max-width: 100%;
    }

    .subscribe-form button {
      width: 100%;
    }
  }

  @media (max-width: 480px) {
    .subscribe-text {
      font-size: 16px;
    }

    .subscribe-text span {
      font-size: 22px;
    }
  }   

  /* Loan Content*/
  /* Container styling */
.loan-section {
  background-color: #f7fdfb;
  padding: 60px 20px;
}

.loan-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  max-width: 1200px;
  margin: 0 auto;
  flex-wrap: wrap;
}

/* Image styling */
.loan-image img {
  width: 100%;
  max-width: 500px;
  border-radius: 16px;
  object-fit: cover;
}

/* Text content styling */
.loan-content {
  flex: 1;
  min-width: 300px;
}

.loan-content h2 {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.loan-content p {
  font-size: 1.1  em;
  line-height: 1.6;
  color: #333;
  margin-bottom: 15px;
}

/* Responsive design */
@media (max-width: 900px) {
  .loan-container {
    flex-direction: column;
    text-align: center;
  }

  .loan-content {
    padding: 20px 0;
  }

  .loan-content h2 {
    font-size: 1.6rem;
  }
}
/*Study Section*/
.study-section {
  padding: 50px 5%;
  font-family: Arial, sans-serif;
}

.study-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}

.study-image img {
  width: 100%;
  max-width: 420px;
  border-radius: 10px;
}

.study-content {
  flex: 1;
  min-width: 300px;
}

.tabs {
  display: flex;
  gap: 30px;
  font-size: 24px;
  margin-bottom: 20px;
}

.tabs span {
  cursor: pointer;
  color: #777;
}

.tabs .active {
  color: #000;
  border-bottom: 2px solid #000;
  padding-bottom: 5px;
}

.study-text {
  color: #333;
  line-height: 1.6;
  margin-bottom: 30px;
}

.student-features {
  display: flex;
  gap: 35px;
  flex-wrap: wrap;
  margin-bottom: 30px;
}

.studentfeature-box {
  text-align: center;
  width: 120px;
}

.studentfeature-box img {
  width: 45px;
  margin-bottom: 10px;
}

.apply-btn {
  background: #4c74c0;
  padding: 12px 25px;
  border-radius: 30px;
  color: #fff;
  font-size: 18px;
  text-decoration: none;
  font-weight: bold;
}

.apply-btn:hover {
  background: #e2a900;
}

.distributor-card {
  max-width: 1100px;
  margin: 30px auto;
  padding: 35px;
  background: #fff;
  border-radius: 22px;
  box-shadow: 0 8px 18px rgba(0,0,0,0.12);
}

.dist-content {
  display: flex;
  justify-content: space-between;
  gap: 35px;
  align-items: flex-start;
  flex-wrap: wrap;
}

.dist-text {
  flex: 1;
  min-width: 300px;
}

.dist-image img {
  width: 350px;
  border-radius: 14px;
}

.dist-title {
  font-size: 28px;
  color: #1e64d1;
  font-weight: 700;
  margin-bottom: 15px;
}

.sub-heading {
  font-size: 20px;
  margin-top: 20px;
  font-weight: 600;
}

/* 🔹 Responsive for Mobile */
@media (max-width: 420px) {
  .dist-content {
    flex-direction: column;
  }

  .dist-image img {
    width: 100%;
    max-width: 260px;
    margin: 0 center;
    display: block;
  }
}