/* =============================================================
   LOANBELL WEBSITE — GLOBAL CSS
   loanbell.in
   ============================================================= */

:root {
  --blue:        #1e5fa6;
  --blue-dark:   #164d8a;
  --blue-light:  #e4f0fd;
  --green:       #4aad2e;
  --green-dark:  #3a8f22;
  --green-light: #eaf6e4;
  --red:         #c62828;
  --orange:      #e65100;
  --text:        #1a1a2e;
  --body:        #444;
  --muted:       #777;
  --border:      #e8e8e8;
  --bg:          #f8faff;
  --white:       #fff;
  --radius:      12px;
  --shadow:      0 4px 20px rgba(0,0,0,.08);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html  { scroll-behavior: smooth; font-size: 16px; }
body  {
  font-family: -apple-system, 'Segoe UI', Roboto, sans-serif;
  color: var(--body); background: #fff; line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { color: var(--text); line-height: 1.25; font-weight: 700; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.1rem; }
a  { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; }

/* ── Layout ── */
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
.section    { padding: 80px 0; }
.section-bg { background: var(--bg); }
.section-dark { background: #0d1b2a; }
.text-center { text-align: center; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }

/* ── Grid ── */
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
@media(max-width:768px){
  .grid-2,.grid-3,.grid-4 { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
}
@media(min-width:769px) and (max-width:1024px){
  .grid-3 { grid-template-columns: repeat(2,1fr); }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
}

/* ── Buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 14px 28px; border-radius: 8px;
  font-size: 1rem; font-weight: 600; cursor: pointer;
  transition: all .2s; border: none; text-decoration: none; line-height: 1;
}
.btn-primary {
  background: var(--blue); color: #fff;
  box-shadow: 0 4px 14px rgba(30,95,166,.3);
}
.btn-primary:hover { background: var(--blue-dark); transform: translateY(-1px); text-decoration: none; }
.btn-outline {
  background: transparent; border: 2px solid var(--blue); color: var(--blue);
}
.btn-outline:hover { background: var(--blue-light); text-decoration: none; }
.btn-green {
  background: var(--green); color: #fff;
  box-shadow: 0 4px 14px rgba(74,173,46,.3);
}
.btn-green:hover { background: var(--green-dark); transform: translateY(-1px); text-decoration: none; }
.btn-lg { padding: 18px 36px; font-size: 1.1rem; }
.btn-sm { padding: 10px 20px; font-size: .9rem; }
.btn-full { width: 100%; }

/* ── Section label ── */
.section-label {
  display: inline-block; font-size: .8rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
  color: var(--blue); background: var(--blue-light);
  padding: 4px 12px; border-radius: 20px; margin-bottom: 12px;
}

/* ── Card ── */
.card {
  background: var(--white); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow); border: 1px solid var(--border);
}
.card:hover { box-shadow: 0 8px 30px rgba(0,0,0,.11); transform: translateY(-2px); transition: all .2s; }

/* ── Badge ── */
.badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: .8rem; font-weight: 600; }
.badge-blue   { background: var(--blue-light); color: var(--blue); }
.badge-green  { background: var(--green-light); color: var(--green-dark); }
.badge-orange { background: #fff3e0; color: var(--orange); }

/* ── Checkmark (pure CSS) ── */
.ck {
  display: inline-flex; align-items: center; justify-content: center;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--green); flex-shrink: 0;
  position: relative; vertical-align: middle; margin-right: 6px;
}
.ck::after {
  content: ''; width: 5px; height: 10px;
  border: 2px solid #fff; border-top: none; border-left: none;
  transform: rotate(45deg) translate(-1px,-1px);
}
.cx {
  display: inline-flex; align-items: center; justify-content: center;
  width: 20px; height: 20px; border-radius: 50%;
  background: #ddd; flex-shrink: 0;
  position: relative; vertical-align: middle; margin-right: 6px;
}
.cx::before, .cx::after {
  content: ''; position: absolute;
  width: 10px; height: 2px; background: #aaa; border-radius: 1px;
}
.cx::before { transform: rotate(45deg); }
.cx::after  { transform: rotate(-45deg); }

/* ── NAVBAR ── */
.navbar {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.97); backdrop-filter: blur(10px);
  border-bottom: 1px solid #eee;
}
.nav-inner {
  display: flex; align-items: center;
  gap: 32px; height: 68px;
}
.nav-logo img { height: 44px; width: auto; }
.nav-links { display: flex; gap: 28px; flex: 1; }
.nav-links a { font-size: .95rem; font-weight: 500; color: #444; transition: color .15s; }
.nav-links a:hover { color: var(--blue); text-decoration: none; }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { width: 24px; height: 2px; background: #333; border-radius: 2px; display: block; }
.nav-mobile { display: none; flex-direction: column; gap: 4px; padding: 16px 20px; border-top: 1px solid #eee; }
.nav-mobile.open { display: flex; }
.nav-mobile a { padding: 10px 0; color: #444; font-weight: 500; border-bottom: 1px solid #f5f5f5; }
@media(max-width:768px){
  .nav-links,.nav-cta { display: none; }
  .nav-toggle { display: flex; margin-left: auto; }
  .nav-logo img { height: 36px; }
}

/* ── FOOTER ── */
.footer { background: #0d1b2a; color: rgba(255,255,255,.7); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand img { height: 48px; background: #fff; border-radius: 8px; padding: 4px 8px; margin-bottom: 12px; }
.footer-brand p { font-size: .9rem; line-height: 1.6; }
.footer-col h4 { color: #fff; font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,.6); font-size: .9rem; margin-bottom: 10px; transition: color .15s; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 0; display: flex; justify-content: space-between; font-size: .85rem; color: rgba(255,255,255,.4); }
@media(max-width:768px){
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}
@media(max-width:480px){ .footer-grid { grid-template-columns: 1fr; } }

/* ── WhatsApp float button ── */
.wa-float {
  position: fixed; bottom: 24px; right: 24px; z-index: 999;
  width: 56px; height: 56px; border-radius: 50%;
  background: #25d366; color: #fff;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(0,0,0,.2); transition: transform .2s;
}
.wa-float:hover { transform: scale(1.1); text-decoration: none; }
.wa-float svg { width: 28px; height: 28px; }