/* =========================
   PERSONAL LOAN HERO
========================= */

/* =========================
   INNER PAGE HERO
========================= */

.personal-loan-hero {
  padding: 50px 6%;
  background: linear-gradient(135deg, #071739 0%, #0b2258 100%);
  position: relative;
  overflow: hidden;
}

.personal-loan-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 45px 45px;
  pointer-events: none;
}

.pl-container {
  max-width: 1280px;
  margin: auto;
  display: grid;
  grid-template-columns: 1.25fr 380px;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 2;
}

/* LEFT */

.pl-content h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.4rem, 4vw, 3.8rem);
  line-height: 1.1;
  color: #fff;
  margin-bottom: 16px;
}

.pl-badge {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 2px;
  margin-bottom: 14px;
  text-transform: uppercase;
}

.pl-desc {
  color: rgba(255,255,255,0.78);
  font-size: 1rem;
  line-height: 1.8;
  max-width: 650px;
  margin-bottom: 24px;
}

.pl-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 22px;
}

.pl-feature {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 14px 16px;
  color: #fff;
  font-size: 0.92rem;
  font-weight: 500;
  backdrop-filter: blur(10px);
}

.pl-updated {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
}

.pl-updated strong {
  color: var(--cyan);
}

/* RIGHT FORM */

.pl-form-card {
  background: #ffffff;
  border-radius: 22px;
  padding: 28px;
  box-shadow: 0 20px 50px rgba(0,0,0,0.18);
  position: relative;
}

.pl-form-top {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  border-radius: 22px 22px 0 0;
  background: linear-gradient(90deg, #f5a623, var(--cyan));
}

.pl-form-card h3 {
  color: var(--b900);
  font-size: 1.25rem;
  line-height: 1.5;
  margin-bottom: 20px;
}

.pl-form-card h3 span {
  color: var(--b500);
}

.pl-phone-input {
  display: flex;
  align-items: center;
  gap: 10px;
  border: 1px solid #dfe6f4;
  border-radius: 14px;
  padding: 14px 16px;
  margin-bottom: 18px;
}

.pl-phone-input span {
  font-weight: 600;
  color: var(--b700);
  white-space: nowrap;
}

.pl-phone-input input {
  width: 100%;
  border: none;
  outline: none;
  background: transparent;
  font-size: 0.95rem;
}

.pl-form-card button {
  width: 100%;
  height: 54px;
  border: none;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: 0.3s ease;
}

.pl-form-card button:hover {
  transform: translateY(-2px);
}

.pl-consent {
  display: flex;
  gap: 10px;
  margin-top: 16px;
  font-size: 0.78rem;
  color: #5d6785;
  line-height: 1.6;
}

.pl-consent input {
  margin-top: 4px;
}

.pl-consent a {
  color: var(--b500);
  text-decoration: none;
}

/* REMOVE BIG STATS BAR */



/* TABLET */

@media (max-width: 992px) {
  .pl-container {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .pl-form-card {
    max-width: 500px;
    margin: auto;
    width: 100%;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .personal-loan-hero {
    padding: 40px 5%;
  }

  .pl-content {
    text-align: center;
  }

  .pl-desc {
    margin-left: auto;
    margin-right: auto;
  }

  .pl-features {
    grid-template-columns: 1fr;
  }

  .pl-content h2 {
    font-size: 2.3rem;
  }

  .pl-form-card {
    padding: 22px;
  }

  .pl-consent {
    align-items: flex-start;
    text-align: left;
  }
}

/* =========================
   COMPACT EMI CALCULATOR
========================= */

.emi-calculator{
  padding: 40px 6%;
}

.emi-wrap{
  max-width: 1080px;
  margin: auto;
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 28px;
  align-items: start;
}

/* LEFT */

.emi-chart-card h2{
  font-family:'Cormorant Garamond', serif;
  font-size: clamp(2rem, 2.5vw, 2.9rem);
  line-height: 1.05;
  color: var(--b900);
  margin-bottom: 18px;
}

.emi-chart-box{
  background: #fff;
  border-radius: 20px;
  padding: 16px;
  border: 1px solid rgba(4,15,45,.06);
  box-shadow: 0 8px 24px rgba(4,15,45,.05);
}

#emiPieChart{
  width: 100% !important;
  height: 240px !important;
}

/* RIGHT */

.emi-controls{
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.emi-field{
  background: #fff;
  border-radius: 20px;
  padding: 16px 20px;
  border: 1px solid rgba(4,15,45,.05);
  box-shadow: 0 6px 20px rgba(4,15,45,.04);
}

.emi-top{
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}

.emi-top label{
  font-size: .95rem;
  font-weight: 600;
  color: var(--b900);
}

.emi-input-wrap{
  display: flex;
  align-items: center;
  border: 1px solid var(--light);
  border-radius: 14px;
  overflow: hidden;
}

.emi-input-wrap input{
  width: 150px;
  height: 46px;
  border: none;
  outline: none;
  padding: 0 14px;
  font-size: .95rem;
  background: #fff;
}

.emi-input-wrap span{
  width: 48px;
  height: 46px;
  background: linear-gradient(135deg,#1a52cc,#00cfff);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* SLIDER */

.emi-field input[type=range]{
  width: 100%;
  appearance: none;
  height: 4px;
  border-radius: 999px;
  background: linear-gradient(90deg, #1a52cc, #00d4ff);
}

.emi-field input[type=range]::-webkit-slider-thumb{
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--cyan);
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(0,212,255,.12);
}

/* RESULT */

.emi-results{
  background: linear-gradient(135deg,#04184a,#0b2d82);
  border-radius: 20px;
  padding: 18px 22px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  box-shadow: 0 12px 28px rgba(4,15,45,.14);
}

.emi-results span{
  display: block;
  color: rgba(255,255,255,.68);
  font-size: .82rem;
  margin-bottom: 6px;
}

.emi-results strong{
  color: #fff;
  font-size: 1.25rem;
  font-weight: 700;
}

/* MOBILE */

@media(max-width:992px){

  .emi-wrap{
    grid-template-columns: 1fr;
  }

  .emi-chart-card{
    max-width: 420px;
    margin: auto;
  }

  .emi-chart-card h2{
    text-align: center;
  }
}

@media(max-width:768px){

  .emi-calculator{
    padding: 35px 5%;
  }

  .emi-top{
    flex-direction: column;
    align-items: stretch;
  }

  .emi-input-wrap input{
    width: 100%;
  }

  .emi-results{
    grid-template-columns: 1fr;
    text-align: center;
  }

  #emiPieChart{
    height: 220px !important;
  }
}


/* =========================
   COMPACT LOAN PROCESS
========================= */

.loan-process-section {
  padding: 55px 6%;
  background: linear-gradient(180deg, #f7fbff 0%, #eef5ff 100%);
}

.loan-process-section .container {
  max-width: 1180px;
  margin: auto;
}

/* HEADING */

.section-heading {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 35px;
}

.section-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  color: var(--cyan);
  margin-bottom: 10px;
  text-transform: uppercase;
}

.section-heading h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.15;
  color: var(--b900);
  margin-bottom: 14px;
}

.section-heading p {
  font-size: 0.95rem;
  color: #5d6785;
  line-height: 1.7;
  max-width: 680px;
  margin: auto;
}

/* GRID */

.process-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

/* CARD */

.process-card {
  background: #fff;
  border-radius: 18px;
  padding: 20px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  box-shadow: 0 8px 22px rgba(4, 15, 45, 0.06);
  border: 1px solid rgba(4, 15, 45, 0.05);
  position: relative;
  transition: 0.25s ease;
}

.process-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--b500), var(--cyan));
}

.process-card:hover {
  transform: translateY(-4px);
}

/* STEP NUMBER */

.step-number {
  min-width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(
    135deg,
    rgba(26, 82, 204, 0.12),
    rgba(0, 212, 255, 0.12)
  );
  color: var(--b500);
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* CONTENT */

.process-content h3 {
  font-size: 1.15rem;
  color: var(--b900);
  margin-bottom: 8px;
  line-height: 1.3;
}

.process-content p {
  font-size: 0.9rem;
  color: #5d6785;
  line-height: 1.65;
  margin: 0;
}

/* TABLET */

@media (max-width: 992px) {
  .loan-process-section {
    padding: 50px 5%;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .section-heading h2 {
    font-size: 2.4rem;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-process-section {
    padding: 42px 5%;
  }

  .section-heading {
    margin-bottom: 28px;
  }

  .section-heading h2 {
    font-size: 1.9rem;
  }

  .section-heading p {
    font-size: 0.88rem;
  }

  .process-card {
    padding: 16px;
    gap: 12px;
    border-radius: 14px;
  }

  .step-number {
    min-width: 44px;
    height: 44px;
    font-size: 0.9rem;
    border-radius: 12px;
  }

  .process-content h3 {
    font-size: 1rem;
  }

  .process-content p {
    font-size: 0.84rem;
    line-height: 1.55;
  }
}

/* =========================
   CLEAN LOAN INFO
========================= */

.loan-info-clean {
  padding: 80px 6%;
  background: #f8fbff;
  overflow: hidden;
  margin-bottom: 60px;
}

.loan-info-clean::after {
  content: "";
  display: block;
  clear: both;
}

.loan-info-clean .container {
  max-width: 1240px;
  margin: auto;
}

/* HEADING */

.loan-clean-heading {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 50px;
}

.loan-clean-heading span {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.loan-clean-heading h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3.4rem);
  color: var(--b900);
  margin-bottom: 14px;
}

.loan-clean-heading p {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
}

/* GRID */

.loan-clean-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

/* CARD */

.loan-clean-card {
  background: #fff;
  border-radius: 22px;
  padding: 30px;
  box-shadow: 0 15px 45px rgba(4,15,45,0.08);
  border: 1px solid rgba(4,15,45,0.05);
  transition: 0.3s ease;
}

.loan-clean-card:hover {
  transform: translateY(-6px);
}

.card-badge {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: linear-gradient(
    135deg,
    rgba(26,82,204,0.12),
    rgba(0,212,255,0.14)
  );
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--b500);
  margin-bottom: 20px;
}

.loan-clean-card h3 {
  font-size: 1.5rem;
  color: var(--b900);
  margin-bottom: 24px;
}

/* LIST */

.loan-clean-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.loan-clean-card li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
  border-bottom: 1px solid #edf2f8;
  gap: 20px;
}

.loan-clean-card li:last-child {
  border-bottom: none;
}

.loan-clean-card strong {
  color: var(--b900);
  font-size: 0.95rem;
}

.loan-clean-card span {
  color: #5d6785;
  font-size: 0.92rem;
  text-align: right;
}

/* TABLET */

@media (max-width: 992px) {
  .loan-clean-grid {
    grid-template-columns: 1fr;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-info-clean {
    padding: 55px 5%;
  }

  .loan-clean-heading {
    margin-bottom: 30px;
  }

  .loan-clean-heading h2 {
    font-size: 2rem;
  }

  .loan-clean-heading p {
    font-size: 0.9rem;
  }

  .loan-clean-card {
    padding: 22px;
    border-radius: 18px;
  }

  .loan-clean-card h3 {
    font-size: 1.2rem;
  }

  .card-badge {
    width: 48px;
    height: 48px;
    font-size: 1rem;
  }

  .loan-clean-card li {
    flex-direction: column;
    align-items: flex-start;
    gap: 6px;
    padding: 14px 0;
  }

  .loan-clean-card span {
    text-align: left;
    font-size: 0.85rem;
  }
}


/* =========================
   LOAN PROVIDER SECTION
========================= */

.loan-provider-section {
  padding: 80px 20px;
  background: #f8fbff;
}

.loan-provider-section .container {
  max-width: 1000px;
  margin: 0 auto;
}

.provider-content-box {
  background: #fff;
  border-radius: 22px;
  padding: 42px;
  box-shadow: 0 14px 35px rgba(4,15,45,0.06);
  border: 1px solid rgba(4,15,45,0.05);
}

.provider-tag {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.provider-content-box h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.2;
  color: var(--b900);
  margin: 0 0 18px;
}

.provider-intro {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 34px;
}

/* LIST */

.provider-list {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.provider-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding-bottom: 22px;
  border-bottom: 1px solid #edf2f8;
}

.provider-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.check-icon {
  width: 42px;
  height: 42px;
  min-width: 42px;
  border-radius: 12px;
  background: linear-gradient(
    135deg,
    rgba(26,82,204,0.12),
    rgba(0,212,255,0.14)
  );
  color: var(--b500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.provider-item h3 {
  margin: 0 0 6px;
  color: var(--b900);
  font-size: 1.08rem;
}

.provider-item p {
  margin: 0;
  color: #5d6785;
  font-size: 0.92rem;
  line-height: 1.7;
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-provider-section {
    padding: 55px 16px;
  }

  .provider-content-box {
    padding: 24px;
    border-radius: 16px;
  }

  .provider-content-box h2 {
    font-size: 1.9rem;
  }

  .provider-intro {
    font-size: 0.9rem;
    margin-bottom: 24px;
  }

  .provider-item {
    gap: 12px;
    padding-bottom: 18px;
  }

  .check-icon {
    width: 34px;
    height: 34px;
    min-width: 34px;
    font-size: 0.9rem;
  }

  .provider-item h3 {
    font-size: 0.95rem;
  }

  .provider-item p {
    font-size: 0.84rem;
  }
}

/* =========================
   WHY CHOOSE SECTION
========================= */

.loan-why-section {
  padding: 80px 20px;
  background: #f8fbff;
}

.loan-why-section .container {
  max-width: 1180px;
  margin: 0 auto;
}

.loan-why-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}

/* CONTENT */

.loan-why-tag {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.loan-why-content h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1.15;
  color: var(--b900);
  margin: 0 0 18px;
}

.loan-why-intro {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 30px;
}

/* LIST */

.loan-why-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.loan-why-item {
  position: relative;
  padding-left: 34px;
  color: var(--b900);
  font-size: 0.96rem;
  line-height: 1.6;
  font-weight: 500;
}

.loan-why-item::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(0,212,255,0.12);
  color: var(--b500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
}

/* IMAGE */

.loan-why-image {
  text-align: center;
}

.loan-why-image img {
  max-width: 100%;
  width: 420px;
  height: auto;
}

/* TABLET */

@media (max-width: 992px) {
  .loan-why-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .loan-why-image {
    order: -1;
  }

  .loan-why-image img {
    width: 320px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-why-section {
    padding: 55px 16px;
  }

  .loan-why-content h2 {
    font-size: 2rem;
  }

  .loan-why-intro {
    font-size: 0.9rem;
    margin-bottom: 22px;
  }

  .loan-why-list {
    gap: 14px;
  }

  .loan-why-item {
    font-size: 0.86rem;
    padding-left: 30px;
  }

  .loan-why-image img {
    width: 260px;
  }
}

/* =========================
   BALANCE TRANSFER SECTION
========================= */

.balance-transfer-section {
  padding: 80px 20px;
  background: #f8fbff;
}

.balance-transfer-section .container {
  max-width: 1180px;
  margin: 0 auto;
}

.balance-transfer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 50px;
  align-items: center;
}

/* CONTENT */

.section-tag {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.balance-transfer-content h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.15;
  color: var(--b900);
  margin: 0 0 18px;
}

.section-intro {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 32px;
}

/* STEPS */

.transfer-steps {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.transfer-step {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.step-number {
  width: 52px;
  height: 52px;
  min-width: 52px;
  border-radius: 14px;
  background: linear-gradient(
    135deg,
    rgba(26,82,204,0.12),
    rgba(0,212,255,0.14)
  );
  color: var(--b500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.transfer-step h3 {
  margin: 0 0 6px;
  color: var(--b900);
  font-size: 1.08rem;
}

.transfer-step p {
  margin: 0;
  color: #5d6785;
  font-size: 0.92rem;
  line-height: 1.7;
}

/* BUTTON */

.balance-transfer-btn {
  display: inline-flex;
  margin-top: 34px;
  padding: 14px 30px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  box-shadow: 0 12px 28px rgba(26,82,204,0.18);
}

/* RIGHT CARD */

.transfer-card {
  background: linear-gradient(135deg, #0a2463, #1a52cc);
  padding: 42px;
  border-radius: 24px;
  color: #fff;
  box-shadow: 0 18px 40px rgba(4,15,45,0.14);
  text-align: center;
}

.transfer-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  border-radius: 20px;
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
}

.transfer-card h3 {
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.transfer-card p {
  color: rgba(255,255,255,0.85);
  line-height: 1.7;
}

/* TABLET */

@media (max-width: 992px) {
  .balance-transfer-grid {
    grid-template-columns: 1fr;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .balance-transfer-section {
    padding: 55px 16px;
  }

  .balance-transfer-content h2 {
    font-size: 2rem;
  }

  .section-intro {
    font-size: 0.9rem;
  }

  .transfer-step {
    gap: 12px;
  }

  .step-number {
    width: 42px;
    height: 42px;
    min-width: 42px;
    font-size: 0.85rem;
  }

  .transfer-step h3 {
    font-size: 0.95rem;
  }

  .transfer-step p {
    font-size: 0.84rem;
  }

  .transfer-card {
    padding: 28px;
    border-radius: 18px;
  }

  .transfer-icon {
    width: 60px;
    height: 60px;
    font-size: 1.4rem;
  }

  .balance-transfer-btn {
    width: 100%;
    justify-content: center;
  }
}

/* =========================
   BALANCE TRANSFER APPLY
========================= */

.balance-apply-section {
  padding: 80px 20px;
  background: #f8fbff;
}

.balance-apply-section .container {
  max-width: 1180px;
  margin: 0 auto;
}

.balance-apply-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 60px;
  align-items: center;
}

/* CONTENT */

.section-tag {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.balance-apply-content h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.15;
  color: var(--b900);
  margin: 0 0 16px;
}

.section-intro {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 30px;
}

/* STEPS */

.balance-steps {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.balance-step {
  display: flex;
  align-items: center;
  gap: 16px;
  background: #fff;
  padding: 18px 20px;
  border-radius: 16px;
  border: 1px solid rgba(4,15,45,0.06);
  box-shadow: 0 10px 24px rgba(4,15,45,0.04);
  transition: 0.3s ease;
}

.balance-step:hover {
  transform: translateX(6px);
}

.step-circle {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: 14px;
  background: linear-gradient(
    135deg,
    rgba(26,82,204,0.12),
    rgba(0,212,255,0.14)
  );
  color: var(--b500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.balance-step p {
  margin: 0;
  color: var(--b900);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* BUTTON */

.balance-apply-btn {
  display: inline-flex;
  margin-top: 30px;
  padding: 14px 30px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  box-shadow: 0 12px 28px rgba(26,82,204,0.18);
}

/* VISUAL */

.balance-apply-visual {
  display: flex;
  justify-content: center;
}

.mockup-card {
  background: linear-gradient(135deg, #0a2463, #1a52cc);
  border-radius: 24px;
  padding: 42px;
  color: #fff;
  text-align: center;
  box-shadow: 0 18px 40px rgba(4,15,45,0.14);
}

.mockup-icon {
  width: 82px;
  height: 82px;
  margin: 0 auto 20px;
  border-radius: 20px;
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
}

.mockup-card h3 {
  margin: 0 0 12px;
  font-size: 1.4rem;
}

.mockup-card p {
  margin: 0;
  line-height: 1.7;
  color: rgba(255,255,255,0.85);
}

/* TABLET */

@media (max-width: 992px) {
  .balance-apply-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .balance-apply-visual {
    order: -1;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .balance-apply-section {
    padding: 55px 16px;
  }

  .balance-apply-content h2 {
    font-size: 2rem;
  }

  .section-intro {
    font-size: 0.9rem;
    margin-bottom: 22px;
  }

  .balance-step {
    padding: 14px;
    gap: 12px;
    border-radius: 14px;
  }

  .step-circle {
    width: 40px;
    height: 40px;
    min-width: 40px;
    font-size: 0.85rem;
  }

  .balance-step p {
    font-size: 0.84rem;
  }

  .mockup-card {
    padding: 28px;
    border-radius: 18px;
  }

  .mockup-icon {
    width: 60px;
    height: 60px;
    font-size: 1.4rem;
  }

  .balance-apply-btn {
    width: 100%;
    justify-content: center;
  }
}

/* =========================
   BALANCE TRANSFER BANKS
========================= */

.balance-bank-section {
  padding: 80px 20px;
  background: #f8fbff;
}

.balance-bank-section .container {
  max-width: 1200px;
  margin: 0 auto;
}

/* HEADING */

.bank-heading {
  text-align: center;
  max-width: 820px;
  margin: 0 auto 45px;
}

.bank-heading span {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.bank-heading h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--b900);
  line-height: 1.15;
  margin: 0 0 14px;
}

.bank-heading p {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  margin: 0;
}

/* GRID */

.bank-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  gap: 32px;
  align-items: start;
}

/* TABLE CARD */

.bank-table-card {
  background: #fff;
  border-radius: 22px;
  border: 1px solid rgba(4,15,45,0.06);
  box-shadow: 0 12px 32px rgba(4,15,45,0.05);
  overflow: hidden;
}

.bank-table-wrap {
  overflow-x: auto;
}

.bank-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 720px;
}

.bank-table thead {
  background: linear-gradient(135deg, #0a2463, #1a52cc);
}

.bank-table th {
  color: #fff;
  text-align: left;
  padding: 18px 20px;
  font-size: 0.95rem;
  font-weight: 600;
}

.bank-table td {
  padding: 18px 20px;
  border-bottom: 1px solid #edf2f8;
  color: var(--b900);
  font-size: 0.92rem;
}

.bank-table tbody tr:last-child td {
  border-bottom: none;
}

.bank-table tbody tr:hover {
  background: rgba(0,212,255,0.03);
}

/* NOTE */

.bank-note {
  padding: 18px 22px;
  background: #f8fbff;
  border-top: 1px solid #edf2f8;
  color: #5d6785;
  font-size: 0.9rem;
  line-height: 1.7;
}

/* SIDE CARD */

.bank-side-card {
  background: linear-gradient(135deg, #0a2463, #1a52cc);
  border-radius: 24px;
  padding: 40px 32px;
  color: #fff;
  box-shadow: 0 18px 40px rgba(4,15,45,0.14);
  position: sticky;
  top: 100px;
}

.bank-icon {
  width: 76px;
  height: 76px;
  border-radius: 20px;
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin-bottom: 20px;
}

.bank-side-card h3 {
  margin: 0 0 12px;
  font-size: 1.5rem;
}

.bank-side-card p {
  margin: 0;
  color: rgba(255,255,255,0.85);
  line-height: 1.8;
}

/* TABLET */

@media (max-width: 992px) {
  .bank-grid {
    grid-template-columns: 1fr;
  }

  .bank-side-card {
    position: static;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .balance-bank-section {
    padding: 55px 16px;
  }

  .bank-heading h2 {
    font-size: 2rem;
  }

  .bank-heading p {
    font-size: 0.9rem;
  }

  .bank-table th,
  .bank-table td {
    padding: 14px 16px;
    font-size: 0.85rem;
  }

  .bank-side-card {
    padding: 26px;
    border-radius: 18px;
  }

  .bank-icon {
    width: 58px;
    height: 58px;
    font-size: 1.5rem;
    border-radius: 16px;
  }

  .bank-side-card h3 {
    font-size: 1.15rem;
  }

  .bank-side-card p {
    font-size: 0.85rem;
  }
}

/* =========================
   PERSONAL LOAN LEAD FORM
========================= */

.loan-lead-section {
  padding: 80px 20px;
  background: #f8fbff;
}

.loan-lead-section .container {
  max-width: 1180px;
  margin: 0 auto;
}

/* CARD */

.loan-lead-card {
  max-width: 760px;
  margin: 0 auto;
  background: #ffffff;
  border-radius: 28px;
  padding: 50px;
  box-shadow: 0 20px 50px rgba(4, 15, 45, 0.08);
  border: 1px solid rgba(4, 15, 45, 0.06);
  position: relative;
}

/* HEADING */

.loan-lead-heading {
  text-align: center;
  margin-bottom: 28px;
}

.lead-tag {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.loan-lead-heading h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.2rem, 4vw, 3.3rem);
  line-height: 1.15;
  color: var(--b900);
  margin: 0 0 16px;
}

.loan-lead-heading h2 span {
  color: var(--cyan);
}

.loan-lead-heading h2 strong {
  color: var(--b500);
  font-weight: 700;
}

.loan-lead-heading p {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  max-width: 620px;
  margin: 0 auto;
}

/* BADGES */

.loan-badges {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 30px;
}

.loan-badge-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 18px;
  background: #f4f8ff;
  border: 1px solid #e4ecfb;
  border-radius: 14px;
}

.loan-badge-item span {
  font-size: 1.1rem;
}

.loan-badge-item p {
  margin: 0;
  color: var(--b900);
  font-size: 0.9rem;
  font-weight: 500;
}

/* FORM */

.loan-lead-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.loan-lead-form input {
  width: 100%;
  height: 58px;
  border: 1px solid #dce6f5;
  border-radius: 16px;
  padding: 0 18px;
  font-size: 1rem;
  color: var(--b900);
  background: #fff;
  outline: none;
  transition: 0.3s ease;
}

.loan-lead-form input:focus {
  border-color: var(--cyan);
  box-shadow: 0 0 0 4px rgba(0, 212, 255, 0.08);
}

/* PHONE */

.phone-input-wrap {
  display: flex;
  align-items: center;
  height: 58px;
  background: #fff;
  border: 1px solid #dce6f5;
  border-radius: 16px;
  overflow: hidden;
  transition: 0.3s ease;
}

.phone-input-wrap:focus-within {
  border-color: var(--cyan);
  box-shadow: 0 0 0 4px rgba(0, 212, 255, 0.08);
}

.phone-input-wrap span {
  padding: 0 18px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--b700);
  white-space: nowrap;
}

.phone-input-wrap input {
  border: none;
  background: transparent;
  height: 100%;
  box-shadow: none;
}

.phone-input-wrap input:focus {
  box-shadow: none;
}

/* BUTTON */

.loan-lead-form button {
  height: 60px;
  border: none;
  border-radius: 16px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: 0.3s ease;
  box-shadow: 0 14px 30px rgba(26, 82, 204, 0.18);
}

.loan-lead-form button:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 36px rgba(26, 82, 204, 0.22);
}

/* CONSENT */

.loan-consent-text {
  margin-top: 18px;
  text-align: center;
  color: #6a7592;
  font-size: 0.82rem;
  line-height: 1.7;
}

/* TABLET */

@media (max-width: 992px) {
  .loan-lead-card {
    padding: 40px 30px;
  }

  .loan-lead-heading h2 {
    font-size: 2.6rem;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-lead-section {
    padding: 55px 16px;
  }

  .loan-lead-card {
    padding: 28px 20px;
    border-radius: 20px;
  }

  .loan-lead-heading {
    margin-bottom: 22px;
  }

  .loan-lead-heading h2 {
    font-size: 2rem;
    line-height: 1.2;
  }

  .loan-lead-heading p {
    font-size: 0.9rem;
  }

  .loan-badges {
    gap: 10px;
    margin-bottom: 22px;
  }

  .loan-badge-item {
    width: 100%;
    justify-content: center;
    padding: 10px 14px;
  }

  .loan-badge-item p {
    font-size: 0.84rem;
  }

  .loan-lead-form input,
  .phone-input-wrap,
  .loan-lead-form button {
    height: 52px;
    border-radius: 14px;
  }

  .loan-lead-form input {
    font-size: 0.9rem;
  }

  .phone-input-wrap span {
    padding: 0 14px;
    font-size: 0.9rem;
  }

  .loan-lead-form button {
    font-size: 0.95rem;
  }

  .loan-consent-text {
    font-size: 0.75rem;
  }
}