:root {
  --orange: #F58220;
  --orange-dark: #D96C0D;
  --maroon: #B32017;
  --ink: #221F20;
  --gray: #6B6B6B;
  --gray-light: #F4F4F4;
  --border: #E4E4E4;
  --white: #FFFFFF;
  --container-width: 1160px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.5;
}

.container {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 24px;
}

a { text-decoration: none; color: inherit; }

/* Demo badge */
.demo-badge {
  background: var(--maroon);
  color: var(--white);
  text-align: center;
  font-size: 13px;
  font-weight: 600;
  padding: 6px 12px;
  letter-spacing: 0.02em;
}

/* Header */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  font-size: 20px;
  font-weight: 800;
  color: var(--maroon);
  display: flex;
  align-items: center;
  gap: 8px;
}

.logo-mark { font-size: 22px; }

.nav {
  display: flex;
  gap: 32px;
}

.nav a {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  transition: color 0.15s;
}

.nav a:hover { color: var(--orange-dark); }

.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.btn {
  display: inline-block;
  padding: 10px 22px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 14px;
  transition: transform 0.1s, box-shadow 0.15s;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
}

.btn-primary:hover { background: var(--orange-dark); }

.btn-outline {
  border: 2px solid var(--maroon);
  color: var(--maroon);
}

.btn-outline:hover { background: var(--maroon); color: var(--white); }

.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: var(--ink);
  display: block;
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--maroon) 0%, var(--orange) 100%);
  color: var(--white);
  padding: 80px 0;
}

.hero-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
}

.hero-copy { max-width: 520px; }

.hero-copy h1 {
  font-size: 42px;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 16px;
}

.hero-copy p {
  font-size: 17px;
  opacity: 0.92;
  margin-bottom: 28px;
}

.hero-copy .btn-primary {
  background: var(--white);
  color: var(--maroon);
}

.hero-copy .btn-primary:hover { background: var(--gray-light); }

.hero-card {
  width: 300px;
  height: 180px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.35);
  border-radius: 16px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  backdrop-filter: blur(6px);
  font-weight: 600;
  letter-spacing: 0.03em;
}

.hero-card-label { font-size: 18px; font-weight: 800; }
.hero-card-number { font-size: 16px; }
.hero-card-name { font-size: 12px; opacity: 0.8; }

/* Highlights */
.highlights {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  padding: 56px 24px;
  text-align: center;
}

.highlight-icon { font-size: 32px; display: block; margin-bottom: 12px; }
.highlight h3 { font-size: 16px; margin-bottom: 6px; }
.highlight p { font-size: 14px; color: var(--gray); }

/* Products */
.section-title {
  font-size: 28px;
  font-weight: 800;
  text-align: center;
  margin-bottom: 40px;
}

.products { padding: 56px 24px; }

.product-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.product-card {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 32px 24px;
  transition: box-shadow 0.15s, transform 0.15s;
}

.product-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  transform: translateY(-2px);
}

.product-icon { font-size: 30px; display: block; margin-bottom: 16px; }
.product-card h3 { font-size: 18px; margin-bottom: 8px; }
.product-card p { font-size: 14px; color: var(--gray); margin-bottom: 16px; }

.link-arrow {
  color: var(--orange-dark);
  font-weight: 700;
  font-size: 14px;
}

/* Offers */
.offers {
  background: var(--gray-light);
  padding: 56px 24px;
}

.offer-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.offer-tile {
  background: var(--white);
  border-radius: 10px;
  padding: 24px;
  border-left: 4px solid var(--orange);
}

.offer-tile h4 { font-size: 16px; margin-bottom: 6px; }
.offer-tile p { font-size: 14px; color: var(--gray); }

/* About */
.about {
  padding: 56px 24px;
  max-width: 720px;
  text-align: center;
  margin: 0 auto;
}

.about p { color: var(--gray); font-size: 15px; }

/* Footer */
.footer {
  background: var(--ink);
  color: var(--white);
  padding: 56px 24px 24px;
}

.footer-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  padding-bottom: 32px;
}

.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col h5 { font-size: 14px; margin-bottom: 8px; color: var(--orange); }
.footer-col a { font-size: 14px; color: rgba(255,255,255,0.75); }
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 20px;
}

.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.55); }

/* Responsive */
@media (max-width: 860px) {
  .highlights { grid-template-columns: repeat(2, 1fr); }
  .product-grid { grid-template-columns: 1fr; }
  .offer-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { flex-direction: column; text-align: center; }
  .hero-copy { max-width: 100%; }
}

@media (max-width: 700px) {
  .nav {
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    padding: 16px 24px;
    gap: 16px;
    display: none;
  }
  .nav.open { display: flex; }
  .nav-toggle { display: flex; }
  .header-actions .btn-outline { display: none; }
  .highlights { grid-template-columns: 1fr 1fr; padding: 40px 16px; }
  .hero-copy h1 { font-size: 30px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

/* Active nav link */
.nav a.active { color: var(--orange-dark); }

/* Page hero (secondary pages) */
.page-hero {
  background: linear-gradient(135deg, var(--maroon) 0%, var(--orange) 100%);
  color: var(--white);
  padding: 56px 24px;
  text-align: center;
}

.page-hero h1 { font-size: 34px; font-weight: 800; margin-bottom: 12px; }
.page-hero p { font-size: 16px; opacity: 0.92; max-width: 640px; margin: 0 auto; }

/* Generic section */
.section { padding: 56px 24px; }
.section-sub { max-width: 640px; margin: 0 auto 40px; text-align: center; color: var(--gray); }

/* Detail cards (accounts/cards/loans) */
.detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 48px; }
.detail-card { border: 1px solid var(--border); border-radius: 12px; padding: 28px; }
.detail-card h3 { font-size: 19px; margin-bottom: 10px; }
.detail-card .rate { font-size: 26px; font-weight: 800; color: var(--maroon); margin-bottom: 6px; }
.detail-card .rate-label { font-size: 12px; color: var(--gray); margin-bottom: 16px; display: block; }
.detail-card ul { list-style: none; margin: 16px 0; display: flex; flex-direction: column; gap: 8px; }
.detail-card li { font-size: 14px; color: var(--gray); padding-left: 20px; position: relative; }
.detail-card li::before { content: "✓"; position: absolute; left: 0; color: var(--orange); font-weight: 700; }

/* Comparison table */
.table-wrap { overflow-x: auto; margin-bottom: 48px; }
.compare-table { width: 100%; border-collapse: collapse; font-size: 14px; min-width: 560px; }
.compare-table th, .compare-table td { padding: 14px 16px; border-bottom: 1px solid var(--border); text-align: left; }
.compare-table th { background: var(--gray-light); font-weight: 700; }

/* FAQ accordion */
.faq { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question { width: 100%; text-align: left; background: none; border: none; padding: 18px 4px; font-size: 15px; font-weight: 700; cursor: pointer; display: flex; justify-content: space-between; align-items: center; color: var(--ink); }
.faq-answer { display: none; padding: 0 4px 18px; color: var(--gray); font-size: 14px; }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-icon { transition: transform 0.15s; font-size: 18px; color: var(--orange-dark); }

/* CTA banner */
.cta-banner { background: var(--gray-light); border-radius: 16px; padding: 40px; text-align: center; margin: 0 24px 56px; }
.cta-banner h3 { font-size: 22px; margin-bottom: 8px; }
.cta-banner p { color: var(--gray); margin-bottom: 20px; }

/* EMI calculator */
.emi-calc { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; background: var(--gray-light); border-radius: 16px; padding: 32px; margin-bottom: 48px; }
.emi-form label { display: block; font-size: 13px; font-weight: 700; margin-bottom: 6px; margin-top: 16px; }
.emi-form label:first-child { margin-top: 0; }
.emi-form input[type=range] { width: 100%; accent-color: var(--maroon); }
.emi-form .emi-field-value { font-weight: 800; color: var(--maroon); }
.emi-result { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; }
.emi-result .emi-label { font-size: 13px; color: var(--gray); margin-bottom: 8px; }
.emi-result .emi-amount { font-size: 36px; font-weight: 800; color: var(--maroon); }
.emi-breakdown { display: flex; gap: 24px; margin-top: 20px; font-size: 13px; }
.emi-breakdown div span { display: block; font-weight: 700; color: var(--ink); }

/* Offers filter + grid */
.offer-filters { display: flex; justify-content: center; gap: 12px; margin-bottom: 32px; flex-wrap: wrap; }
.offer-filter-btn { padding: 8px 18px; border-radius: 20px; border: 1px solid var(--border); background: var(--white); font-size: 13px; font-weight: 700; cursor: pointer; }
.offer-filter-btn.active { background: var(--maroon); color: var(--white); border-color: var(--maroon); }
.offer-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.offer-card { border: 1px solid var(--border); border-radius: 12px; padding: 24px; }
.offer-card .offer-tag { display: inline-block; font-size: 11px; font-weight: 700; text-transform: uppercase; background: var(--gray-light); color: var(--maroon); padding: 4px 10px; border-radius: 20px; margin-bottom: 12px; }
.offer-card h4 { font-size: 16px; margin-bottom: 8px; }
.offer-card p { font-size: 14px; color: var(--gray); margin-bottom: 8px; }
.offer-card .offer-valid { font-size: 12px; color: var(--gray); }

/* About page */
.timeline { max-width: 760px; margin: 0 auto 48px; display: flex; flex-direction: column; gap: 24px; }
.timeline-item { display: flex; gap: 20px; }
.timeline-year { font-weight: 800; color: var(--maroon); min-width: 70px; }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 48px; }
.team-card { text-align: center; }
.team-avatar { width: 80px; height: 80px; border-radius: 50%; background: var(--gray-light); display: flex; align-items: center; justify-content: center; font-size: 28px; margin: 0 auto 12px; }
.team-card h4 { font-size: 15px; margin-bottom: 4px; }
.team-card p { font-size: 13px; color: var(--gray); }
.badge-row { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; margin-bottom: 8px; }
.badge-pill { background: var(--gray-light); color: var(--maroon); font-size: 13px; font-weight: 700; padding: 10px 18px; border-radius: 20px; }

/* Contact page */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.contact-form label { display: block; font-size: 13px; font-weight: 700; margin-bottom: 6px; margin-top: 16px; }
.contact-form label:first-child { margin-top: 0; }
.contact-form input, .contact-form textarea { width: 100%; padding: 10px 12px; border: 1px solid var(--border); border-radius: 8px; font-size: 14px; font-family: inherit; }
.contact-form textarea { min-height: 100px; resize: vertical; }
.contact-status { margin-top: 16px; font-size: 13px; color: var(--maroon); font-weight: 700; min-height: 18px; }
.branch-list { display: flex; flex-direction: column; gap: 16px; }
.branch-item { border: 1px solid var(--border); border-radius: 10px; padding: 16px; }
.branch-item h4 { font-size: 15px; margin-bottom: 4px; }
.branch-item p { font-size: 13px; color: var(--gray); }

/* Login modal */
.modal-overlay { position: fixed; inset: 0; background: rgba(0,0,0,0.5); display: none; align-items: center; justify-content: center; z-index: 200; padding: 24px; }
.modal-overlay.open { display: flex; }
.modal { background: var(--white); border-radius: 14px; padding: 32px; max-width: 380px; width: 100%; position: relative; text-align: center; }
.modal-close { position: absolute; top: 12px; right: 16px; background: none; border: none; font-size: 20px; cursor: pointer; color: var(--gray); }
.modal h3 { font-size: 20px; margin-bottom: 12px; }
.modal p { font-size: 14px; color: var(--gray); margin-bottom: 20px; }

/* Testimonials (home) */
.testimonials { background: var(--gray-light); padding: 56px 24px; }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card { background: var(--white); border-radius: 12px; padding: 24px; }
.testimonial-card p { font-size: 14px; color: var(--gray); margin-bottom: 16px; font-style: italic; }
.testimonial-author { font-size: 13px; font-weight: 700; }

@media (max-width: 860px) {
  .detail-grid, .offer-grid, .team-grid, .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
  .emi-calc, .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 700px) {
  .detail-grid, .offer-grid, .team-grid, .testimonial-grid { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 26px; }
}