/* ==========================================================================
   Bharat Loan — Main Stylesheet
   ========================================================================== */

/* Bootstrap Variable Overrides — Light Theme (Default)
   -------------------------------------------------------------------------- */
:root,
[data-theme="light"] {
  --bl-bg: #FFFFFF;
  --bl-card: #F8FAFC;
  --bl-card-elevated: #FFFFFF;
  --bl-primary: #002147;
  --bl-primary-hover: #001a38;
  --bl-primary-glow: rgba(0, 33, 71, 0.2);
  --bl-accent: #1A6696;
  --bl-success: #16C784;
  --bl-warning: #FFB000;
  --bl-text: #002147;
  --bl-text-secondary: #5A6A7A;
  --bl-border: rgba(0, 33, 71, 0.12);
  --bl-glass: rgba(255, 255, 255, 0.85);
  --bl-header-bg: #FFFFFF;
  --bl-header-surface: rgba(255, 255, 255, 0.82);
  --bl-header-shadow: 0 4px 24px rgba(0, 33, 71, 0.06);
  --bl-header-border: rgba(0, 33, 71, 0.08);
  --bl-header-nav-bg: rgba(0, 33, 71, 0.04);
  --bl-header-nav-active: rgba(0, 33, 71, 0.08);
  --bl-header-height: 76px;
  --bl-hero-left: #1A6696;
  --bl-hero-right: #FFFFFF;
  --bl-input-bg: #FFFFFF;
  --bl-input-border: #C5D0DC;
  --bl-radius: 16px;
  --bl-radius-sm: 12px;
  --bl-radius-lg: 24px;
  --bl-shadow: 0 4px 24px rgba(0, 33, 71, 0.08);
  --bl-shadow-hover: 0 12px 40px rgba(0, 33, 71, 0.14);
  --bl-transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --bl-font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --bs-body-bg: var(--bl-bg);
  --bs-body-color: var(--bl-text);
  --bs-primary: var(--bl-primary);
  --bs-primary-rgb: 0, 33, 71;
  --bs-success: var(--bl-success);
  --bs-warning: var(--bl-warning);
  --bs-border-radius: var(--bl-radius-sm);
  --bs-border-radius-lg: var(--bl-radius);
  --bs-border-radius-xl: var(--bl-radius-lg);
  --bs-font-sans-serif: var(--bl-font);
}

/* Dark Theme
   -------------------------------------------------------------------------- */
[data-theme="dark"] {
  --bl-bg: #081221;
  --bl-card: #132238;
  --bl-card-elevated: #1a2d47;
  --bl-primary: #0D6EFD;
  --bl-primary-hover: #0b5ed7;
  --bl-primary-glow: rgba(13, 110, 253, 0.35);
  --bl-accent: #4d9bff;
  --bl-success: #16C784;
  --bl-warning: #FFB000;
  --bl-text: #FFFFFF;
  --bl-text-secondary: #9AA4B2;
  --bl-border: rgba(255, 255, 255, 0.08);
  --bl-glass: rgba(19, 34, 56, 0.72);
  --bl-header-bg: #0d1a2d;
  --bl-header-surface: rgba(13, 26, 45, 0.88);
  --bl-header-shadow: 0 4px 32px rgba(0, 0, 0, 0.4);
  --bl-header-border: rgba(255, 255, 255, 0.08);
  --bl-header-nav-bg: rgba(255, 255, 255, 0.05);
  --bl-header-nav-active: rgba(13, 110, 253, 0.18);
  --bl-header-height: 76px;
  --bl-hero-left: #0d2240;
  --bl-hero-right: #132238;
  --bl-input-bg: #132238;
  --bl-input-border: rgba(255, 255, 255, 0.12);
  --bl-shadow: 0 8px 32px rgba(0, 0, 0, 0.32);
  --bl-shadow-hover: 0 16px 48px rgba(0, 0, 0, 0.4);

  --bs-body-bg: var(--bl-bg);
  --bs-body-color: var(--bl-text);
  --bs-primary: var(--bl-primary);
  --bs-primary-rgb: 13, 110, 253;
}

/* Reset & Base
   -------------------------------------------------------------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--bl-font);
  background-color: var(--bl-bg);
  color: var(--bl-text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  transition: background-color var(--bl-transition), color var(--bl-transition);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--bl-primary);
  text-decoration: none;
  transition: color var(--bl-transition);
}

a:hover {
  color: var(--bl-accent);
}

/* Site Header
   -------------------------------------------------------------------------- */
.site-header {
  --bl-header-current: var(--bl-header-height);
  position: sticky;
  top: 0;
  z-index: 1030;
  background: var(--bl-header-surface);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--bl-header-border);
  box-shadow: var(--bl-header-shadow);
  transition: background var(--bl-transition), border-color var(--bl-transition), box-shadow var(--bl-transition);
}

.site-header--scrolled {
  box-shadow: var(--bl-shadow);
}

.site-header__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  min-height: var(--bl-header-height);
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  gap: 0.75rem;
}

.site-header__nav {
  padding: 0;
  width: 100%;
}

.site-header__brand {
  padding: 0;
  margin: 0;
  flex-shrink: 0;
}

.site-header__logo {
  height: 46px;
  width: auto;
}

.site-header__logo--dark {
  display: none;
}

[data-theme="dark"] .site-header__logo--light {
  display: none;
}

[data-theme="dark"] .site-header__logo--dark {
  display: block;
}

/* Mobile toolbar — theme + apply + menu */
.site-header__tools {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-left: auto;
}

.site-header__collapse {
  width: 100%;
}

.site-header__menu {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin: 0 auto;
  padding: 0.375rem;
  background: var(--bl-header-nav-bg);
  border: 1px solid var(--bl-header-border);
  border-radius: 50px;
}

.site-header__menu .nav-item {
  margin: 0;
}

.site-header__menu .nav-link {
  color: var(--bl-text-secondary);
  font-size: 0.875rem;
  font-weight: 500;
  padding: 0.5rem 1rem;
  border-radius: 50px;
  position: relative;
  transition: color var(--bl-transition), background var(--bl-transition);
}

.site-header__menu .nav-link:hover,
.site-header__menu .nav-link:focus {
  color: var(--bl-text);
  background: var(--bl-header-nav-active);
}

.site-header__menu .nav-link.active {
  color: var(--bl-text);
  font-weight: 600;
  background: var(--bl-header-nav-active);
}

[data-theme="light"] .site-header__menu .nav-link.active {
  color: var(--bl-primary);
}

[data-theme="dark"] .site-header__menu .nav-link.active {
  color: #FFFFFF;
  background: rgba(13, 110, 253, 0.22);
}

.site-header__actions {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.25rem;
  background: var(--bl-header-nav-bg);
  border: 1px solid var(--bl-header-border);
  border-radius: 50px;
}

/* Custom hamburger */
.site-header__toggler {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  padding: 0;
  border: 1.5px solid var(--bl-border);
  border-radius: 10px;
  background: var(--bl-card);
  transition: border-color var(--bl-transition), background var(--bl-transition);
}

.site-header__toggler:hover {
  border-color: var(--bl-primary);
}

.site-header__toggler-bar {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--bl-text);
  border-radius: 2px;
  transition: transform var(--bl-transition), opacity var(--bl-transition);
}

.site-header__toggler[aria-expanded="true"] .site-header__toggler-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.site-header__toggler[aria-expanded="true"] .site-header__toggler-bar:nth-child(2) {
  opacity: 0;
}

.site-header__toggler[aria-expanded="true"] .site-header__toggler-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Theme Toggle
   -------------------------------------------------------------------------- */
.theme-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  padding: 0;
  border: none;
  border-radius: 50%;
  background: transparent;
  color: var(--bl-text);
  cursor: pointer;
  transition: background var(--bl-transition), transform var(--bl-transition);
}

.theme-toggle:hover {
  background: var(--bl-header-nav-active);
  transform: scale(1.05);
}

.theme-toggle--sm {
  width: 36px;
  height: 36px;
  border: 1.5px solid var(--bl-border);
  border-radius: 10px;
  background: var(--bl-card);
}

.theme-toggle__icon {
  width: 20px;
  height: 20px;
}

.theme-toggle__icon--moon {
  display: none;
}

[data-theme="dark"] .theme-toggle__icon--sun {
  display: none;
}

[data-theme="dark"] .theme-toggle__icon--moon {
  display: block;
}

/* Header CTA Button
   -------------------------------------------------------------------------- */
.btn-header-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.625rem 1.375rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: #FFFFFF;
  background: linear-gradient(135deg, var(--bl-primary) 0%, var(--bl-accent) 100%);
  border: none;
  border-radius: 50px;
  box-shadow: 0 4px 16px var(--bl-primary-glow);
  white-space: nowrap;
  transition: transform var(--bl-transition), box-shadow var(--bl-transition), filter var(--bl-transition);
}

[data-theme="light"] .btn-header-cta {
  background: linear-gradient(135deg, #002147 0%, #1A6696 100%);
}

.btn-header-cta:hover {
  color: #FFFFFF;
  transform: translateY(-1px);
  box-shadow: 0 6px 22px var(--bl-primary-glow);
  filter: brightness(1.05);
}

.btn-header-cta:active {
  transform: translateY(0);
}

.btn-header-cta--sm {
  padding: 0.5rem 1rem;
  font-size: 0.8125rem;
  border-radius: 10px;
}

/* Hero Split Section
   -------------------------------------------------------------------------- */
.hero-split {
  overflow: hidden;
}

.hero-split__row {
  min-height: calc(100svh - 72px);
}

.hero-split__left {
  background-color: var(--bl-hero-left);
  color: #FFFFFF;
  display: flex;
  align-items: center;
  padding: 2.5rem 1.5rem;
  position: relative;
  overflow: hidden;
}

.hero-split__left::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 20%, rgba(255, 255, 255, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.hero-split__left-inner {
  position: relative;
  z-index: 1;
  max-width: 560px;
  margin: 0 auto;
  text-align: center;
}

.hero-split__title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

.hero-split__desc {
  font-size: 1rem;
  line-height: 1.65;
  opacity: 0.9;
  margin-bottom: 2rem;
  max-width: 440px;
  margin-left: auto;
  margin-right: auto;
}

.hero-split__phones {
  margin-bottom: 2rem;
}

.hero-split__phones-img {
  margin: 0 auto;
  max-width: 100%;
  filter: drop-shadow(0 20px 40px rgba(0, 0, 0, 0.25));
}

.hero-split__play-badge {
  display: inline-block;
  transition: transform var(--bl-transition);
}

.hero-split__play-badge:hover {
  transform: scale(1.04);
}

.hero-split__play-badge img {
  margin: 0 auto;
}

.hero-split__right {
  background-color: var(--bl-hero-right);
  display: flex;
  align-items: center;
  padding: 2.5rem 1.5rem;
  transition: background-color var(--bl-transition);
}

.hero-split__right-inner {
  max-width: 480px;
  margin: 0 auto;
  width: 100%;
}

.hero-split__form-eyebrow {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--bl-accent);
  margin-bottom: 0.375rem;
}

.hero-split__form-title {
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  font-weight: 800;
  color: var(--bl-text);
  margin-bottom: 1.75rem;
  letter-spacing: -0.02em;
}

/* Hero Perks
   -------------------------------------------------------------------------- */
.hero-perks {
  display: flex;
  gap: 0;
  margin-top: 2rem;
  position: relative;
}

.hero-perks::before {
  content: "";
  position: absolute;
  top: 28px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: var(--bl-border);
  z-index: 0;
}

.hero-perks__item {
  flex: 1;
  position: relative;
  z-index: 1;
}

.hero-perks__card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0.75rem 0.5rem;
  background: var(--bl-card-elevated);
  border: 1px solid var(--bl-border);
  border-radius: var(--bl-radius-sm);
  margin: 0 0.25rem;
  min-height: 130px;
  transition: border-color var(--bl-transition), box-shadow var(--bl-transition);
}

.hero-perks__card:hover {
  border-color: var(--bl-accent);
  box-shadow: var(--bl-shadow);
}

.hero-perks__icon {
  width: 48px;
  height: 48px;
  margin-bottom: 0.5rem;
}

.hero-perks__text {
  font-size: 0.6875rem;
  font-weight: 500;
  color: var(--bl-text-secondary);
  margin-bottom: 0;
  line-height: 1.4;
}

[data-theme="dark"] .hero-perks__icon {
  filter: brightness(1.4);
}


a:focus-visible,
button:focus-visible,
input:focus-visible {
  outline: 2px solid var(--bl-primary);
  outline-offset: 3px;
}

/* Skip Link
   -------------------------------------------------------------------------- */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  z-index: 9999;
  padding: 0.75rem 1.25rem;
  background: var(--bl-primary);
  color: var(--bl-text);
  border-radius: var(--bl-radius-sm);
  font-weight: 600;
  transition: top var(--bl-transition);
}

.skip-link:focus {
  top: 1rem;
}

/* Glass Card Component
   -------------------------------------------------------------------------- */
.glass-card {
  background: var(--bl-glass);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--bl-border);
  border-radius: var(--bl-radius);
  box-shadow: var(--bl-shadow);
  transition: background var(--bl-transition), border-color var(--bl-transition), box-shadow var(--bl-transition);
}

/* Card Hover
   -------------------------------------------------------------------------- */
.card-hover {
  transition: transform var(--bl-transition), box-shadow var(--bl-transition), border-color var(--bl-transition);
}

.card-hover:hover {
  transform: translateY(-6px);
  box-shadow: var(--bl-shadow-hover);
  border-color: rgba(13, 110, 253, 0.25);
}

/* Buttons
   -------------------------------------------------------------------------- */
.btn-primary {
  --bs-btn-bg: var(--bl-primary);
  --bs-btn-border-color: var(--bl-primary);
  --bs-btn-hover-bg: var(--bl-primary-hover);
  --bs-btn-hover-border-color: var(--bl-primary-hover);
  --bs-btn-active-bg: #0a58ca;
  --bs-btn-active-border-color: #0a58ca;
  --bs-btn-focus-shadow-rgb: 13, 110, 253;
  font-weight: 700;
  letter-spacing: 0.04em;
  border-radius: var(--bl-radius-sm);
  transition: transform var(--bl-transition), box-shadow var(--bl-transition);
}

.btn-primary:hover {
  box-shadow: 0 8px 24px var(--bl-primary-glow);
  transform: translateY(-1px);
}

.btn-primary:active {
  transform: translateY(0);
}

/* Button Ripple (CSS only)
   -------------------------------------------------------------------------- */
.btn-ripple {
  position: relative;
  overflow: hidden;
}

.btn-ripple::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.35) 10%, transparent 10.01%);
  background-size: 1000% 1000%;
  background-position: center;
  opacity: 0;
  transition: opacity 0.4s, background-size 0.6s;
  pointer-events: none;
}

.btn-ripple:active::after {
  opacity: 1;
  background-size: 0% 0%;
  transition: 0s;
}

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

@keyframes slideUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes pulse-glow {
  0%, 100% {
    opacity: 0.4;
    transform: scale(1);
  }
  50% {
    opacity: 0.7;
    transform: scale(1.05);
  }
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

.animate-fade {
  animation: fadeIn 0.8s ease-out both;
}

.animate-slide-up {
  animation: slideUp 0.8s ease-out both;
}

.animate-delay-1 {
  animation-delay: 0.15s;
}

.animate-delay-2 {
  animation-delay: 0.3s;
}

/* Hero Form
   -------------------------------------------------------------------------- */
.hero__form {
  text-align: left;
}

.hero__label {
  display: block;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--bl-text);
  margin-bottom: 0.5rem;
}

.hero__input {
  background: var(--bl-input-bg);
  border: 1.5px solid var(--bl-input-border);
  border-radius: var(--bl-radius-sm);
  color: var(--bl-text);
  font-size: 1rem;
  font-weight: 500;
  height: 56px;
  padding: 0.875rem 1.25rem;
  margin-bottom: 0.5rem;
  transition: border-color var(--bl-transition), box-shadow var(--bl-transition), background var(--bl-transition);
}

.hero__input::placeholder {
  color: var(--bl-text-secondary);
  opacity: 0.7;
}

.hero__input:focus {
  background: var(--bl-input-bg);
  border-color: var(--bl-primary);
  box-shadow: 0 0 0 4px var(--bl-primary-glow);
  color: var(--bl-text);
}

.hero__input.is-invalid {
  border-color: #dc3545;
  box-shadow: 0 0 0 4px rgba(220, 53, 69, 0.2);
}

.hero__input.is-valid {
  border-color: var(--bl-success);
  box-shadow: 0 0 0 4px rgba(22, 199, 132, 0.2);
}

.hero__consent-wrap {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  margin: 1rem 0;
}

.hero__checkbox {
  width: 18px;
  height: 18px;
  margin-top: 0.2rem;
  flex-shrink: 0;
  border-color: var(--bl-input-border);
  cursor: pointer;
}

.hero__checkbox:checked {
  background-color: var(--bl-primary);
  border-color: var(--bl-primary);
}

.hero__checkbox:focus {
  box-shadow: 0 0 0 3px var(--bl-primary-glow);
}

.hero__error {
  font-size: 0.8125rem;
  color: #dc3545;
  margin-bottom: 0.5rem;
  min-height: 1.25rem;
}

.hero__success {
  color: var(--bl-success);
}

.hero__cta {
  width: 100%;
  height: 56px;
  font-size: 1rem;
  margin-top: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: var(--bl-radius-sm);
  background-color: var(--bl-primary);
  border-color: var(--bl-primary);
}

.hero__cta:disabled {
  opacity: 0.65;
  cursor: not-allowed;
  transform: none;
  box-shadow: none;
}

.hero__cta-loader {
  width: 22px;
  height: 22px;
  border: 2.5px solid rgba(255, 255, 255, 0.3);
  border-top-color: #FFFFFF;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}

.hero__consent {
  font-size: 0.75rem;
  color: var(--bl-text-secondary);
  line-height: 1.55;
  margin-bottom: 0;
  cursor: pointer;
}

.hero__consent a {
  color: var(--bl-accent);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.hero__consent a:hover {
  color: var(--bl-primary);
}

/* OTP Verification Step
   -------------------------------------------------------------------------- */
.apply-step[hidden] {
  display: none;
}

.otp-step__desc {
  font-size: 0.9375rem;
  color: var(--bl-text-secondary);
  margin-bottom: 0.5rem;
  line-height: 1.55;
}

.otp-step__sent {
  font-size: 0.8125rem;
  color: var(--bl-accent);
  font-weight: 500;
  margin-bottom: 1.25rem;
}

.otp-inputs {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.otp-input {
  width: 56px;
  height: 56px;
  padding: 0;
  text-align: center;
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--bl-text);
  background: var(--bl-input-bg);
  border: 1.5px solid var(--bl-input-border);
  border-radius: var(--bl-radius-sm);
  transition: border-color var(--bl-transition), box-shadow var(--bl-transition);
}

.otp-input:focus {
  border-color: var(--bl-primary);
  box-shadow: 0 0 0 4px var(--bl-primary-glow);
  outline: none;
}

.otp-input.is-filled {
  border-color: var(--bl-primary);
}

.otp-input.is-invalid {
  border-color: #dc3545;
  box-shadow: 0 0 0 4px rgba(220, 53, 69, 0.2);
}

.otp-step__resend {
  font-size: 0.875rem;
  color: var(--bl-text-secondary);
  text-align: center;
  margin-top: 1.25rem;
  margin-bottom: 0.5rem;
}

.otp-step__resend-btn {
  padding: 0;
  border: none;
  background: none;
  color: var(--bl-accent);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
  cursor: pointer;
  transition: color var(--bl-transition);
}

.otp-step__resend-btn:hover:not(:disabled) {
  color: var(--bl-primary);
}

.otp-step__resend-btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
  text-decoration: none;
}

.otp-step__change {
  text-align: center;
  margin-bottom: 0;
}

.otp-step__change-btn {
  padding: 0;
  border: none;
  background: none;
  color: var(--bl-text-secondary);
  font-size: 0.8125rem;
  text-decoration: underline;
  text-underline-offset: 2px;
  cursor: pointer;
  transition: color var(--bl-transition);
}

.otp-step__change-btn:hover {
  color: var(--bl-text);
}

/* Trust Badges
   -------------------------------------------------------------------------- */
.trust {
  padding: 1.5rem 0 3rem;
}

.trust__badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.625rem;
  padding: 1.25rem 0.75rem;
  text-align: center;
  transition: transform var(--bl-transition), border-color var(--bl-transition);
}

.trust__badge:hover {
  transform: translateY(-3px);
  border-color: rgba(13, 110, 253, 0.2);
}

.trust__icon {
  width: 32px;
  height: 32px;
}

.trust__label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--bl-text);
  letter-spacing: 0.01em;
}

/* Features Section
   -------------------------------------------------------------------------- */
.features {
  padding: 4rem 0;
}

.features__header {
  margin-bottom: 3rem;
}

.features__eyebrow,
.steps__eyebrow {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--bl-primary);
  margin-bottom: 0.75rem;
}

.features__title,
.steps__title {
  font-size: clamp(1.5rem, 4vw, 2.25rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 0.75rem;
}

.features__subtitle {
  color: var(--bl-text-secondary);
  font-size: 1.0625rem;
  max-width: 520px;
  margin: 0 auto;
}

.feature-card {
  padding: 2rem 1.75rem;
  height: 100%;
}

.feature-card__icon-wrap {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(0, 33, 71, 0.08);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}

.feature-card__icon-wrap img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
  border-radius: 12px;
  display: block;
}

/* WebP loan icon — rounded box, green border, tight crop */
.feature-card__icon-wrap--loan {
  width: 64px;
  height: 64px;
  border-radius: 14px;
  border: 2px solid #2ecc71;
  background: #ffffff;
  margin-bottom: 0.75rem;
  padding: 0;
  box-shadow: 0 2px 8px rgba(46, 204, 113, 0.15);
}

.feature-card__icon-wrap--loan img.feature-card__icon--webp {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  border-radius: 12px;
  transform: scale(1.45);
}

[data-theme="dark"] .feature-card__icon-wrap--loan {
  background: rgba(255, 255, 255, 0.95);
  border-color: #27ae60;
}

[data-theme="dark"] .feature-card__icon-wrap {
  background: rgba(13, 110, 253, 0.12);
}

.feature-card__title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.625rem;
}

.feature-card__text {
  font-size: 0.9375rem;
  color: var(--bl-text-secondary);
  margin-bottom: 0;
  line-height: 1.65;
}

/* Steps Section
   -------------------------------------------------------------------------- */
.steps {
  padding: 4rem 0;
  background: linear-gradient(180deg, transparent 0%, rgba(0, 33, 71, 0.03) 50%, transparent 100%);
}

[data-theme="dark"] .steps {
  background: linear-gradient(180deg, transparent 0%, rgba(19, 34, 56, 0.3) 50%, transparent 100%);
}

.steps__header {
  margin-bottom: 3rem;
}

.step-card {
  padding: 2rem 1.75rem;
  height: 100%;
  position: relative;
}

.step-card__number {
  display: block;
  font-size: 2.5rem;
  font-weight: 800;
  background: linear-gradient(135deg, var(--bl-primary), var(--bl-success));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  line-height: 1;
  margin-bottom: 1rem;
  opacity: 0.85;
}

.step-card__title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.625rem;
}

.step-card__text {
  font-size: 0.9375rem;
  color: var(--bl-text-secondary);
  margin-bottom: 0;
  line-height: 1.65;
}

/* CTA Banner
   -------------------------------------------------------------------------- */
.cta-banner {
  padding: 2rem 0 4rem;
}

.cta-banner__inner {
  padding: 2.5rem 2rem;
  background: linear-gradient(135deg, rgba(0, 33, 71, 0.06) 0%, var(--bl-card) 100%);
}

[data-theme="dark"] .cta-banner__inner {
  background: linear-gradient(135deg, rgba(13, 110, 253, 0.12) 0%, rgba(19, 34, 56, 0.9) 100%);
}

.cta-banner__title {
  font-size: clamp(1.25rem, 3vw, 1.75rem);
  font-weight: 800;
  margin-bottom: 0.5rem;
}

.cta-banner__text {
  color: var(--bl-text-secondary);
  margin-bottom: 0;
  font-size: 1rem;
}

.cta-banner__btn {
  min-width: 180px;
  height: 56px;
}

/* Footer
   -------------------------------------------------------------------------- */
.site-footer {
  padding: 3rem 0 2rem;
  border-top: 1px solid var(--bl-border);
  background: var(--bl-card);
  transition: background-color var(--bl-transition);
}

[data-theme="dark"] .site-footer {
  background: rgba(8, 18, 33, 0.95);
}

.site-footer__logo {
  margin-bottom: 1rem;
}

.site-footer__desc {
  font-size: 0.875rem;
  color: var(--bl-text-secondary);
  line-height: 1.65;
  max-width: 320px;
}

.site-footer__heading {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--bl-text);
  margin-bottom: 1rem;
}

.site-footer__links li {
  margin-bottom: 0.5rem;
}

.site-footer__links a {
  font-size: 0.875rem;
  color: var(--bl-text-secondary);
  transition: color var(--bl-transition);
}

.site-footer__links a:hover {
  color: var(--bl-text);
}

.site-footer__address {
  font-style: normal;
  font-size: 0.875rem;
  color: var(--bl-text-secondary);
}

.site-footer__address p {
  margin-bottom: 0.375rem;
}

.site-footer__divider {
  border-color: var(--bl-border);
  margin: 2rem 0 1.5rem;
  opacity: 1;
}

.site-footer__copy {
  font-size: 0.75rem;
  color: var(--bl-text-secondary);
  margin-bottom: 0;
  text-align: center;
}

/* Reduced Motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}