/* FORCE CLICKABLE CARD */
.loan-card {
  display: block;              /* 🔥 REQUIRED */
  text-decoration: none;       /* remove underline */
  background: #0f172a;
  padding: 2.5rem 2rem;
  border-radius: 1.25rem;
  text-align: center;

  cursor: pointer;
  user-select: none;

  border: 2px solid transparent;

  transition:
    transform 0.25s ease,
    box-shadow 0.25s ease,
    border-color 0.25s ease,
    background 0.25s ease;
}

/* ICON */
.loan-card i {
  font-size: 2.6rem;
  color: #6366f1;
  margin-bottom: 1rem;
  display: inline-block;
  transition: transform 0.25s ease;
}

/* TITLE */
.loan-card h4 {
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 0.4rem;
}

/* DESCRIPTION */
.loan-card p {
  color: #94a3b8;
  font-size: 0.95rem;
}

/* CTA TEXT */
.loan-card .card-cta {
  display: inline-block;
  margin-top: 1rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: #818cf8;
  transition: transform 0.25s ease;
}

/* 🔥 BUTTON-LIKE HOVER EFFECT */
.loan-card:hover {
  transform: translateY(-12px);
  background: radial-gradient(
    circle at top,
    #1e293b,
    #0f172a
  );

  border-color: #6366f1;

  box-shadow:
    0 25px 50px rgba(99,102,241,0.35),
    0 0 0 1px rgba(99,102,241,0.25);
}

/* ICON ANIMATION */
.loan-card:hover i {
  transform: scale(1.25) rotate(-4deg);
}

/* CTA SLIDE */
.loan-card:hover .card-cta {
  transform: translateX(6px);
}



.step-box {
  background: #1e293b;
  padding: 1.5rem;
  border-radius: 1rem;
  font-weight: 600;
}
/* Fade-in animation */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: all 0.8s ease;
}

.fade-in.show {
  opacity: 1;
  transform: translateY(0);
}

/* Button micro interaction */
.btn-animate {
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.btn-animate:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(99,102,241,0.4);
}


/* ================= BANK MARQUEE ================= */

.bank-marquee {
  position: relative;
  width: 100%;
  overflow: hidden;
}

.bank-track {
  display: flex;
  width: max-content;
  animation: scrollBanks 30s linear infinite;
}

.bank-set {
  display: flex;
  align-items: center;
  gap: 60px;
  padding: 0 40px;
}

.bank-set img {
  height: 125px;
  width: auto;
  opacity: 0.85;
  filter: grayscale(0%);
  transition: all 0.3s ease;
}


/* Animation */
@keyframes scrollBanks {
  from {
    transform: translateX(0);
  }
  to {
    transform: translateX(-50%);
  }
}

/* ================= LOAN PAGE INFO CARDS ================= */

.loan-info-card {
  background: linear-gradient(
    160deg,
    #0f172a,
    #111827
  );
  padding: 2rem;
  border-radius: 1.25rem;
  border: 1px solid rgba(99,102,241,0.15);

  transition:
    transform 0.25s ease,
    box-shadow 0.25s ease,
    border-color 0.25s ease;
}

.loan-info-card i {
  font-size: 2.2rem;
  color: #818cf8;
  margin-bottom: 1rem;
}

.loan-info-card h4 {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.loan-info-card p {
  font-size: 0.95rem;
  color: #94a3b8;
  line-height: 1.5;
}

/* Subtle premium hover (NOT button-like) */
.loan-info-card:hover {
  transform: translateY(-6px);
  border-color: #6366f1;
  box-shadow:
    0 15px 35px rgba(0,0,0,0.4),
    0 0 0 1px rgba(99,102,241,0.2);
}

/* ================= LOAN TYPE WITH ICONS ================= */

.loan-type {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 14px;

  padding: 14px 18px;
  border-radius: 14px;
  background: transparent;

  color: #cbd5f5;
  font-weight: 600;
  text-align: left;

  transition: all 0.25s ease;
}

.loan-type i {
  font-size: 1.1rem;
  color: #818cf8;
  min-width: 22px;
}

/* Hover */
.loan-type:hover {
  background: rgba(99,102,241,0.15);
}

/* Active */
.loan-type.active {
  background: linear-gradient(
    135deg,
    #6366f1,
    #4f46e5
  );
  color: #fff;
}

.loan-type.active i {
  color: #fff;
}

/* ================= LOAN TYPE CONTENT TOGGLE ================= */

.loan-type-content {
  display: none;
}

.loan-type-content.active {
  display: block;
}

/* ===== HOW IT WORKS ICON ===== */
.step-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto;
  border-radius: 18px;
  background: linear-gradient(135deg, #6366f1, #4f46e5);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: white;
}

/* ===== NAV DROPDOWN ===== */
.dropdown-item {
  display: block;
  padding: 12px 18px;
  color: #e5e7eb;
  font-weight: 500;
  transition: all 0.2s ease;
}

.dropdown-item:hover {
  background: rgba(99, 102, 241, 0.15);
  color: #a5b4fc;
}

@keyframes whatsappPulse {
  0% { box-shadow: 0 0 0 0 rgba(34,197,94,0.7); }
  70% { box-shadow: 0 0 0 20px rgba(34,197,94,0); }
  100% { box-shadow: 0 0 0 0 rgba(34,197,94,0); }
}

.whatsapp-pulse {
  animation: whatsappPulse 2s infinite;
}

/* ===== Smooth Button Transitions ===== */
button,
a {
  transition:
    background-color 0.35s ease,
    color 0.35s ease,
    transform 0.35s ease,
    box-shadow 0.35s ease,
    opacity 0.35s ease;
}

button:active,
a:active {
  transform: scale(0.96);
}

html {
  scroll-behavior: smooth;
}

/* ================= Recent Updates Section ================= */
#updates {
  background: rgba(2, 6, 23, 0.35);
  backdrop-filter: blur(12px);
}


/* Grid wrapper */
#updates .updates-grid {
  display: grid;
  grid-template-columns: repeat(1, 1fr);
  gap: 1.5rem;
}

/* 2 columns on medium+ screens */
@media (min-width: 768px) {
  #updates .updates-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* ================= RECENT UPDATES UI ================= */

.update-card {
  background: transparent;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 1.25rem;
  padding: 1.5rem;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.35);
  backdrop-filter: blur(10px);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.update-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    120deg,
    transparent,
    rgba(99, 102, 241, 0.15),
    transparent
  );
  opacity: 0;
  transition: opacity 0.3s ease;
}

/* Header row */
.update-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.75rem;
}

/* Bank logo */
.update-bank {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.update-bank img {
  height: 50px;
  width: 50px;
  object-fit: contain;
  background: #fff;
  border-radius: 999px;
  padding: 4px;
}

/* Date */
.update-date {
  font-size: 0.85rem;
  color: #94a3b8;
  white-space: nowrap;
}

/* Message */
.update-message {
  color: #e5e7eb;
  line-height: 1.6;
  margin-top: 0.75rem;
}

/* Badge */
.update-badge {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  font-size: 0.7rem;
  font-weight: 700;
  padding: 0.3rem 0.7rem;
  border-radius: 999px;
  text-transform: uppercase;
  z-index: 2;
}

.badge-notice {
  background: #f59e0b;
  color: #000;
}

.badge-offer {
  background: #22c55e;
  color: #000;
}

.badge-update {
  background: #6366f1;
  color: #fff;
}

/* ================= HOVER GLOW EFFECT ================= */

.update-card {
  position: relative;
  overflow: hidden;
}

/* Soft glow layer */
.update-card::after {
  content: "";
  position: absolute;
  inset: -2px;
  background: radial-gradient(
    circle at top right,
    rgba(99, 102, 241, 0.35),
    transparent 60%
  );
  opacity: 0;
  transition: opacity 0.35s ease;
  pointer-events: none;
}

/* Activate glow on hover */
.update-card:hover::after {
  opacity: 1;
  filter: blur(4px);
}


/* Slight lift + glow */
.update-card:hover {
  box-shadow:
    0 0 0 1px rgba(99, 102, 241, 0.25),
    0 20px 40px rgba(0, 0, 0, 0.45);
  transform: translateY(-6px);
}

/* ================= MODERN LOADER ================= */

.loader-bar {
  background: linear-gradient(
    90deg,
    transparent,
    #6366f1,
    #8b5cf6,
    #6366f1,
    transparent
  );
  animation: loaderMove 1.4s ease-in-out infinite;
  filter: drop-shadow(0 0 10px rgba(99, 102, 241, 0.6));
}

@keyframes loaderMove {
  0% {
    transform: translateX(-100%);
  }
  100% {
    transform: translateX(100%);
  }
}


/* ================= HERO BACKGROUND ================= */
.hero-section {
  background:
    linear-gradient(
      180deg,
      rgba(2, 6, 23, 0.95),
      rgba(2, 6, 23, 0.85)
    ),
    url("../images/hero-bg.jpeg");
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

/* Optional subtle glow */
.hero-section::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
    circle at center,
    rgba(99, 102, 241, 0.15),
    transparent 70%
  );
  pointer-events: none;
}

@media (max-width: 768px) {
  .mobile-sticky-btn {
    position: sticky;
    bottom: 0;
    background: #0f172a;
    padding: 12px;
    z-index: 40;
  }
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.animate-fade-up {
  animation: fadeUp 0.9s ease-out both;
}

/* Mobile stagger animation */
@media (max-width: 768px) {
  .stat-item {
    animation: fadeUp 0.8s ease-out both;
  }
  .stat-item:nth-child(1) { animation-delay: 0.1s; }
  .stat-item:nth-child(2) { animation-delay: 0.2s; }
  .stat-item:nth-child(3) { animation-delay: 0.3s; }
  .stat-item:nth-child(4) { animation-delay: 0.4s; }
}

/* ===== Staggered Reveal ===== */
.reveal {
  opacity: 0;
  transform: translateY(36px) scale(0.96);
  transition: all 0.8s cubic-bezier(.4,0,.2,1);
}

.reveal.show {
  opacity: 1;
  transform: translateY(0) scale(1);
}

/* ===== Gradient Glow ===== */
.step-glow::before {
  content: "";
  position: absolute;
  inset: -1px;
  border-radius: 1rem;
  background: linear-gradient(120deg, #6366f1, #a855f7, #6366f1);
  opacity: 0;
  filter: blur(20px);
  transition: opacity 0.4s ease;
  z-index: -1;
}

.step-glow:hover::before {
  opacity: 0.35;
}

/* ===== Icon Float ===== */
.step-icon {
  transition: transform 0.4s ease;
}

.group:hover .step-icon {
  transform: translateY(-6px) rotate(-3deg);
}

.loader-bar {
  background: linear-gradient(90deg, #6366f1, #a855f7, #6366f1);
  animation: loaderMove 1.4s infinite linear;
}

@keyframes loaderMove {
  from { transform: translateX(-100%); }
  to { transform: translateX(100%); }
}

.mobile-loans {
  transition: max-height 0.35s ease;
  max-height: 0;
}

.mobile-loans.open {
  max-height: 420px;
}
/* Mobile menu smooth slide */
.mobile-menu {
  overflow: hidden;
  max-height: 0;
  opacity: 0;
  transform: translateY(-8px);
  transition: 
    max-height 0.35s ease,
    opacity 0.25s ease,
    transform 0.25s ease;
}

.mobile-menu.open {
  max-height: 500px; /* enough for menu items */
  opacity: 1;
  transform: translateY(0);
}