body {
            font-family: 'Montserrat', sans-serif;
        }

        /* ===== TOP BAR ===== */
        .headersec .hdrTop {
            background: #f1592a;
            padding: 10px 0;
            color: #fff;
            font-size: 15px;
        }

        .hdrTop ul {
            margin: 0;
            padding: 0;
            list-style: none;
            display: flex;
            justify-content: flex-end;
            gap: 25px;
        }

        .hdrTop a {
            color: #fff;
            text-decoration: none
        }

        /* ===== MAIN HEADER ===== */
        .hdrBtm {
            background: #ececec;
            position: relative;
            padding: 12px 0;
        }

        /* orange left shape */
        /* .hdrBtm:before {
            content: '';
            position: absolute;
            left: 0;
            top: 0;
            width: 180px;
            height: 100%;
            background: #f1592a;
            clip-path: polygon(0 0, 100% 0, 70% 100%, 0% 100%);
        } */

        /* white triangle */
        /* .hdrBtm:after {
            content: '';
            position: absolute;
            left: 120px;
            top: 0;
            width: 360px;
            height: 100%;
            background: #fff;
            clip-path: polygon(0 0, 100% 0, 85% 100%, 0% 100%);
        } */

        .hderinr {
            position: relative;
            z-index: 5;
            display: flex;
            align-items: center;
            justify-content: space-between;
        }

        /* logo */
        .hdrlgo img {
            height: 60px
        }

        /* menu */
        .hdrmnu ul {
            list-style: none;
            display: flex;
            gap: 30px;
            margin: 0;
        }

        .hdrmnu a {
            text-decoration: none;
            color: #1a2d5a;
            font-weight: 600;
        }

        /* cibil button */
        .hdrmnu li:last-child a {
            background: #f1592a;
            color: #fff;
            padding: 12px 22px;
            border-radius: 6px;
        }

        /* right icons */
        .hdrtpinr ul {
            list-style: none;
            display: flex;
            gap: 15px;
            align-items: center;
            margin: 0;
        }

        .locator_icon a {
            width: 50px;
            height: 50px;
            border: 2px solid #f1592a;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: #f1592a;
        }

        .dropdown>a {
            background: #2e3b7b;
            color: #fff;
            padding: 14px 26px;
            border-radius: 8px;
            text-decoration: none;
        }

       .footer{
    background:#0b1140;
    color:#fff;
    font-family:Poppins,sans-serif;
    position:relative;
}

/* gradient top line */
.footer:before{
    content:'';
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:6px;
    background:linear-gradient(90deg,#ff6a2f,#7b3fe4);
}

/* top info */
.footer-top{
    padding:45px 0 25px;
    border-bottom:1px solid rgba(255,255,255,0.08);
}

.info-box{
    display:flex;
    align-items:center;
    gap:15px;
}

.info-icon{
    width:55px;
    height:55px;
    border-radius:50%;
    background:#ff6a2f;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:20px;
}

.info-text{
    font-size:15px;
    line-height:24px;
    color: #0b1140;
}

/* social */
.social{
    text-align:left;
    padding:10px 0;
}
.social a{
    width:42px;
    height:42px;
    border:1px solid rgba(255,255,255,0.4);
    border-radius:50%;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    margin:0 10px;
    color:#fff;
    text-decoration:none;
}

/* links */
.footer-links{
    text-align:center;
    padding:20px 0 40px;
}
.footer-links a{
    color:#fff;
    text-decoration:none;
    margin:6px 12px;
    display:inline-block;
    font-size:15px;
}
.footer-links a:after{
    content:"✔";
    color:#ff6a2f;
    margin-left:6px;
    font-size:12px;
}

/* responsive */
@media(max-width:768px){
    .info-box{justify-content:center;margin-bottom:20px}
}
        .social-icons a {
            width: 35px;
            height: 35px;
            background: #f1592a;
            display: inline-flex;
            align-items: center;
            justify-content: center;
            border-radius: 50%;
            margin-left: 8px;
            color: #fff;
            text-decoration: none;
        }

        /* SECTION */
        .loan-wrapper {
            padding: 60px 0;
        }

        /* CARD */
        .loan-card {
            background: #fff;
            border-radius: 14px;
            box-shadow: 0 10px 35px rgba(0, 0, 0, 0.08);
            padding: 30px;
        }

        /* TITLE */
        .loan-title {
            font-weight: 700;
            color: #1a2d5a;
            margin-bottom: 25px;
            border-left: 5px solid #f1592a;
            padding-left: 15px;
        }

        /* INPUT */
        .form-control,
        .form-select {
            height: 50px;
            border-radius: 8px;
            border: 1px solid #e1e5ee;
        }

        .form-control:focus {
            border-color: #f1592a;
            box-shadow: 0 0 0 3px rgba(241, 89, 42, 0.15);
        }

        /* BUTTON */
        .submit-btn {
            background: #f1592a;
            color: #fff;
            padding: 14px 40px;
            border: none;
            border-radius: 8px;
            font-weight: 600;
        }

        .submit-btn:hover {
            background: #d94c1f;
        }

        /* SIDEBAR */
        .loan-sidebar {
            background: linear-gradient(135deg, #1c2e5b, #0f1d40);
            color: #fff;
            border-radius: 14px;
            padding: 25px;
            height: 100%;
        }

        .loan-sidebar h4 {
            font-weight: 600;
        }

        /* INFO BOX */
        .info-box {
            background: #fff;
            border-radius: 12px;
            padding: 20px;
            box-shadow: 0 5px 15px rgba(0, 0, 0, 0.08);
            margin-top: 25px;
        }

        body {
            background: linear-gradient(180deg, #f6f8fc, #eef2f9);
            font-family: 'Poppins', sans-serif;
        }

        /* WRAPPER */
        .loan-section {
            padding: 60px 0;
        }

        /* MAIN CARD */
        .loan-box {
            background: #fff;
            border-radius: 18px;
            padding: 45px;
            box-shadow: 0 15px 40px rgba(0, 0, 0, 0.08);
            border-top: 5px solid #f1592a;
        }

        /* HEADINGS */
        .form-title {
            font-weight: 700;
            color: #1a2d5a;
            margin-bottom: 30px;
        }

        .section-head {
            font-size: 20px;
            font-weight: 600;
            color: #1a2d5a;
            margin: 35px 0 20px;
            border-left: 4px solid #f1592a;
            padding-left: 12px;
        }

        /* INPUT */
        .form-control,
        .form-select {
            height: 52px;
            border-radius: 10px;
            border: 1px solid #e4e7f0;
            padding-left: 15px;
        }

        .form-control:focus,
        .form-select:focus {
            border-color: #f1592a;
            box-shadow: 0 0 0 4px rgba(241, 89, 42, 0.15);
        }

        /* SUBMIT */
        .submit-btn {
            background: linear-gradient(135deg, #f1592a, #ff7a4d);
            color: #fff;
            border: none;
            padding: 16px 50px;
            border-radius: 10px;
            font-weight: 600;
            font-size: 18px;
            margin-top: 25px;
        }

        .submit-btn:hover {
            background: #d94c1f;
        }

        /* NOTICE BOX */
        .notice-box {
            background: #fff5f2;
            border-left: 4px solid #f1592a;
            padding: 18px;
            border-radius: 10px;
            margin-top: 30px;
        }

        /* RESPONSIVE */
        @media(max-width:768px) {
            .loan-box {
                padding: 25px;
            }
        }
        .hero-banner{
        width:100%;
        height:520px;
        background:url('images/apply.jpg') center center/cover no-repeat;
        position:relative;
    }

    /* optional overlay for better look */
    .hero-banner::before{
        content:'';
        position:absolute;
        inset:0;
        background:rgba(0,0,0,0.35); /* remove if not needed */
    }

    /* large screens */
    @media (min-width:1400px){
        .hero-banner{height:620px;}
    }

    /* tablet */
    @media (max-width:992px){
        .hero-banner{height:420px;}
    }

    /* mobile */
    @media (max-width:576px){
        .hero-banner{
            height:300px;
            background-position:center;
        }
    }
    body{font-family:Poppins, sans-serif;}

/* ================= TOP ORANGE BAR ================= */
.topbar{
    background:#f1592a;
    color:#fff;
    font-size:14px;
    padding:10px 0;
}
.topbar .contact{
    display:flex;
    justify-content:flex-end;
    gap:40px;
}

/* ================= HEADER ================= */
.header-main{
    background:#e9e9e9;
    position:relative;
    padding:10px 0;
    overflow:hidden;
}
a{
    font-size: 14px;
    text-align: center;
    text-decoration: none;
}
/* ORANGE LEFT ANGLE */
/* .header-main:before{
    content:'';
    position:absolute;
    left:0;
    top:0;
    width:180px;
    height:100%;
    background:#f1592a;
    clip-path:polygon(0 0,100% 0,70% 100%,0 100%);
} */

/* WHITE TRIANGLE BEHIND LOGO */
/* .header-main:after{
    content:'';
    position:absolute;
    left:120px;
    top:0;
    width:420px;
    height:100%;
    background:#fff;
    clip-path:polygon(0 0,100% 0,85% 100%,0 100%);
} */

/* SMALL TOP TRIANGLE OVER LOGO */
.logo-wrap{
    position:relative;
    z-index:5;
}
/* .logo-wrap:before{
    content:'';
    position:absolute;
    top:-20px;
    left:110px;
    width:220px;
    height:30px;
    background:#f1592a;
    clip-path:polygon(0 0,100% 0,85% 100%,0 100%);
} */

/* LOGO */
.logo img{
    height:80px;
}

/* MENU */
.navbar-nav .nav-link{
    color:#1a2d5a;
    font-weight:600;
    margin:0 18px;
}

/* CIBIL BUTTON */
.cibil-btn{
    background:#f1592a;
    color:#fff;
    padding:12px 25px;
    border-radius:6px;
    font-weight:600;
}

/* LOCATION ICON */
.loc{
    width:45px;
    height:45px;
    border:2px solid #f1592a;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    color:#f1592a;
}

/* LOGIN */
.login-btn{
    background:#2f3b84;
    color:#fff;
    padding:12px 25px;
    border-radius:8px;
    font-weight:600;
}

/* RESPONSIVE */
@media(max-width:991px){
    .header-main:before,
    .header-main:after,
    .logo-wrap:before{display:none;}
}
.footerBottom{
    padding: 10px 0px;
    border-top: 1px solid #ccc;
}
/* ===== SECTION ===== */
.charges-section{
    padding:70px 0;
    background:#fff;
}

.charges-title{
    font-size:30px;
    font-weight:700;
    color:#1a2d5a;
    margin-bottom:25px;
}

/* layout */
.charges-wrapper{
    display:grid;
    grid-template-columns:1fr;
    gap:25px;
}

/* ===== TABLE BOX ===== */
.charges-table-box{
    background:#fff;
    padding:30px;
    border-radius:16px;
    box-shadow:0 15px 40px rgba(0,0,0,0.07);
}

/* table */
.charges-table{
    width:100%;
}

.charges-table .row{
    display:grid;
    grid-template-columns:1fr 1fr;
    padding:14px 0;
    border-bottom:1px solid #eee;
    font-size:15px;
}

.charges-table .head{
    font-weight:700;
    color:#1a2d5a;
    border-bottom:2px solid #f1592a;
}

.charges-table .row:last-child{
    border-bottom:none;
}

/* ===== RIGHT PANEL ===== */
.charges-highlight{
    background:linear-gradient(135deg,#1c2e5b,#0f1d40);
    color:#fff;
    padding:30px;
    border-radius:16px;
}

.charges-highlight h3{
    font-size:22px;
    margin-bottom:15px;
}

.charges-highlight ul{
    list-style:none;
    margin-bottom:25px;
}

.charges-highlight li{
    margin-bottom:10px;
    font-size:15px;
}

.apply-btn{
    display:inline-block;
    background:#f1592a;
    color:#fff;
    padding:14px 28px;
    border-radius:8px;
    text-decoration:none;
    font-weight:600;
}

/* note */
.charges-note{
    margin-top:25px;
    font-size:14px;
    background:#fff5f2;
    border-left:4px solid #f1592a;
    padding:18px;
    border-radius:10px;
}

/* ===== TABLET ===== */
@media(min-width:768px){
    .charges-wrapper{
        grid-template-columns:2fr 1fr;
    }
}

/* ===== MOBILE ===== */
@media(max-width:600px){

    .charges-title{
        font-size:22px;
        text-align:center;
    }

    .charges-table .row{
        grid-template-columns:1fr;
        gap:4px;
    }

    .charges-table .head{
        display:none;
    }

    .charges-table .row div:first-child{
        font-weight:600;
        color:#1a2d5a;
    }
}
/* ===== DOCUMENT SECTION ===== */
.docs-section{
    padding:70px 0;
    background:#f7f9fd;
}

.docs-title{
    text-align:center;
    font-size:32px;
    font-weight:700;
    color:#2b3f8f;
    margin-bottom:10px;
}

.docs-sub{
    text-align:center;
    margin-bottom:40px;
    color:#666;
}

/* grid */
.docs-grid{
    display:grid;
    grid-template-columns:1fr;
    gap:25px;
}

/* card */
.doc-card{
    background:#fff;
    border-radius:16px;
    padding:30px;
    text-align:center;
    box-shadow:0 15px 40px rgba(0,0,0,0.06);
    border-top:5px solid #f1592a;
    transition:.3s;
}

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

/* icon */
.doc-icon{
    width:60px;
    height:60px;
    background:#2b3f8f;
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:50%;
    font-size:26px;
    margin:0 auto 15px;
}

.doc-card h3{
    color:#2b3f8f;
    font-size:18px;
    margin-bottom:12px;
}

.doc-card ul{
    list-style:none;
    padding:0;
}

.doc-card li{
    font-size:14px;
    margin-bottom:6px;
    color:#444;
}

/* ===== TABLET ===== */
@media(min-width:768px){
    .docs-grid{
        grid-template-columns:repeat(2,1fr);
    }
}

/* ===== DESKTOP ===== */
@media(min-width:1100px){
    .docs-grid{
        grid-template-columns:repeat(4,1fr);
    }
}
.eligibility-section{
    background:#fff;
    padding:70px 0;
}

.elig-title{
    font-weight:700;
    color:#1b2e5a;
}

.elig-sub{
    color:#6c757d;
}

.elig-card{
    background:#fff;
    padding:30px;
    border-radius:14px;
    text-align:center;
    box-shadow:0 10px 25px rgba(0,0,0,0.06);
    transition:0.3s;
    height:100%;
}

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

.elig-icon{
    width:65px;
    height:65px;
    background:#f1592a;
    color:#fff;
    font-size:28px;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    margin:0 auto 15px;
}

.elig-card h5{
    font-weight:600;
    margin-bottom:10px;
}
.afxp-loan-section{
background:linear-gradient(180deg,#f5f7ff,#eef2fb);
padding:80px 0;
font-family:'Poppins',sans-serif;
}

.afxp-header h2{
font-size:36px;
font-weight:700;
color:#2b3f8f;
}

.afxp-eligibility{
color:#f1592a;
font-weight:600;
margin-bottom:35px;
}

/* glass card */
.afxp-card{
background:#ffffffcc;
backdrop-filter:blur(8px);
padding:45px;
border-radius:20px;
box-shadow:0 25px 80px rgba(0,0,0,0.08);
}

/* block */
.afxp-block{
margin-bottom:40px;
}

.afxp-title{
font-size:22px;
color:#2b3f8f;
margin-bottom:25px;
border-left:6px solid #f1592a;
padding-left:12px;
}

/* input */
.afxp-input{
height:52px;
border-radius:12px;
border:1px solid #e3e6f0;
transition:.3s;
}

.afxp-input:focus{
border-color:#f1592a;
box-shadow:0 0 0 4px rgba(241,89,42,.15);
}

/* file note */
.afxp-note{
font-size:12px;
color:green;
}

/* checkbox */
.afxp-check-area{
margin-top:25px;
}

.afxp-check{
display:block;
margin-bottom:10px;
font-size:15px;
}

/* button */
.afxp-submit{
background:linear-gradient(135deg,#f1592a,#ff7a4d);
color:#fff;
border:none;
padding:18px 70px;
border-radius:12px;
font-size:18px;
font-weight:600;
box-shadow:0 10px 30px rgba(241,89,42,.3);
transition:.3s;
}

.afxp-submit:hover{
transform:translateY(-2px);
}

/* responsive */
@media(max-width:768px){
.afxp-card{padding:25px;}
}
.immediate-loan-section{
    background:#f6f8fc;
    padding:80px 0;
    position:relative;
    overflow:hidden;
}

/* gradient shape bg */
.immediate-loan-section:before{
    content:'';
    position:absolute;
    right:-150px;
    top:-150px;
    width:450px;
    height:450px;
    background:linear-gradient(135deg,#ff6a2f,#ff8b5f);
    border-radius:50%;
    opacity:0.08;
}

.loan-heading{
    font-size:38px;
    font-weight:700;
    color:#1a2d5a;
    margin-bottom:20px;
}

.loan-sub{
    font-size:17px;
    color:#5f6c8f;
    margin-bottom:25px;
}

/* features */
.loan-features{
    list-style:none;
    padding:0;
    margin-bottom:30px;
}
.loan-features li{
    margin-bottom:12px;
    padding-left:28px;
    position:relative;
    font-size:16px;
}
.loan-features li:before{
    content:'✔';
    position:absolute;
    left:0;
    color:#ff6a2f;
    font-weight:bold;
}

/* button */
.loan-btn{
    background:linear-gradient(135deg,#ff6a2f,#ff8b5f);
    color:#fff;
    padding:15px 38px;
    border-radius:8px;
    text-decoration:none;
    font-weight:600;
    display:inline-block;
}
.loan-btn:hover{
    background:#e75a22;
    color:#fff;
}

/* image */
.loan-image img{
    max-height:380px;
}

/* responsive */
@media(max-width:991px){
    .loan-heading{font-size:28px;text-align:center}
    .loan-content{text-align:center}
}
.process-unique{
    background:linear-gradient(135deg,#0e1a4d,#1c2e7a);
    padding:100px 0;
    color:#fff;
    position:relative;
    overflow:hidden;
}

/* floating shapes */
.process-unique:before{
    content:'';
    position:absolute;
    width:400px;
    height:400px;
    background:#ff6a2f;
    opacity:0.08;
    border-radius:50%;
    top:-100px;
    left:-100px;
}

.process-heading{
    font-size:40px;
    font-weight:700;
}

.process-sub{
    opacity:0.8;
}

/* wrapper line */
.process-wrapper{
    display:flex;
    justify-content:space-between;
    position:relative;
    margin-top:60px;
}

/* center line */
.process-wrapper:before{
    content:'';
    position:absolute;
    top:40px;
    left:0;
    width:100%;
    height:4px;
    background:linear-gradient(90deg,#ff6a2f,#ff9b5c);
    z-index:0;
}

/* steps */
.process-step{
    text-align:center;
    width:25%;
    position:relative;
    z-index:2;
}

/* circle */
.step-circle{
    width:80px;
    height:80px;
    border-radius:50%;
    background:#fff;
    color:#ff6a2f;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:26px;
    font-weight:700;
    margin:0 auto 15px;
    box-shadow:0 10px 25px rgba(0,0,0,0.2);
    transition:0.3s;
}

.process-step:hover .step-circle{
    transform:scale(1.1);
    background:#ff6a2f;
    color:#fff;
}

.process-step h5{
    font-weight:600;
    margin-bottom:10px;
}

/* responsive */
@media(max-width:991px){
    .process-wrapper{
        flex-direction:column;
    }
    .process-step{
        width:100%;
        margin-bottom:40px;
    }
    .process-wrapper:before{display:none;}
}
.fb-section{
    background:linear-gradient(135deg,#f6f8ff,#eef2ff);
    padding:90px 0;
    position:relative;
    overflow:hidden;
}

/* floating bg shapes */
.fb-section:before{
    content:'';
    position:absolute;
    width:350px;
    height:350px;
    background:#ff6a2f;
    opacity:0.08;
    border-radius:50%;
    top:-120px;
    right:-120px;
}

.fb-title{
    font-size:40px;
    font-weight:700;
    color:#1b2e5a;
}

.fb-sub{
    color:#6c7aa5;
}

/* cards */
.fb-card{
    background:rgba(255,255,255,0.7);
    backdrop-filter:blur(12px);
    padding:35px 25px;
    border-radius:18px;
    text-align:center;
    box-shadow:0 15px 35px rgba(0,0,0,0.06);
    transition:0.35s;
    height:100%;
    position:relative;
}

.fb-card:hover{
    transform:translateY(-10px);
    box-shadow:0 25px 45px rgba(0,0,0,0.1);
}

/* icon */
.fb-icon{
    width:70px;
    height:70px;
    border-radius:16px;
    background:linear-gradient(135deg,#ff6a2f,#ff9a63);
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:28px;
    margin:0 auto 18px;
}

.fb-card h5{
    font-weight:600;
    color:#1b2e5a;
    margin-bottom:10px;
}

/* responsive */
@media(max-width:768px){
    .fb-title{font-size:28px;}
}
.why-choose-sec{
    padding:100px 0;
    background:linear-gradient(135deg,#0e1a4d,#1c2e7a);
    color:#fff;
    position:relative;
    overflow:hidden;
}

/* curved background shape */
.why-choose-sec:before{
    content:'';
    position:absolute;
    right:-200px;
    top:-200px;
    width:500px;
    height:500px;
    background:#ff6a2f;
    border-radius:50%;
    opacity:0.1;
}

.why-title{
    font-size:42px;
    font-weight:700;
    margin-bottom:20px;
}

.why-sub{
    opacity:0.85;
    margin-bottom:35px;
}

/* list */
.why-item{
    display:flex;
    gap:18px;
    margin-bottom:22px;
}

.why-icon{
    width:55px;
    height:55px;
    background:#ff6a2f;
    border-radius:12px;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:22px;
}

/* button */
.why-btn{
    background:#ff6a2f;
    color:#fff;
    padding:15px 35px;
    border-radius:8px;
    text-decoration:none;
    font-weight:600;
    display:inline-block;
    margin-top:20px;
}
.why-btn:hover{background:#e25722;color:#fff}

/* RIGHT VISUAL */
.why-visual{
    position:relative;
    height:350px;
}

.visual-card{
    position:absolute;
    background:#fff;
    color:#1b2e5a;
    padding:25px 30px;
    border-radius:16px;
    box-shadow:0 20px 40px rgba(0,0,0,0.15);
    text-align:center;
}

.visual-card h3{
    color:#ff6a2f;
    font-weight:700;
}

/* floating positions */
.visual-card:nth-child(1){top:0;left:40px}
.visual-card:nth-child(2){top:120px;right:0}
.visual-card:nth-child(3){bottom:0;left:120px}

/* responsive */
@media(max-width:991px){
    .why-visual{display:none;}
    .why-title{font-size:30px;}
}
.page-breadcrumb{
    background:linear-gradient(135deg,#0e1a4d,#1c2e7a);
    padding:70px 0;
    color:#fff;
    position:relative;
    overflow:hidden;
}

/* background shapes */
.page-breadcrumb:before{
    content:'';
    position:absolute;
    right:-150px;
    top:-150px;
    width:400px;
    height:400px;
    background:#ff6a2f;
    opacity:0.1;
    border-radius:50%;
}

.breadcrumb-title{
    font-size:40px;
    font-weight:700;
}

.breadcrumb-sub{
    opacity:0.8;
}

/* breadcrumb */
.breadcrumb-list{
    list-style:none;
    padding:0;
    margin:0;
    display:inline-flex;
    gap:10px;
    align-items:center;
    font-weight:500;
}

.breadcrumb-list li{
    color:#fff;
}

.breadcrumb-list li a{
    color:#fff;
    text-decoration:none;
}

.breadcrumb-list li::after{
    content:'›';
    margin-left:10px;
}

.breadcrumb-list li:last-child::after{
    display:none;
    content:'';
}

/* responsive */
@media(max-width:768px){
    .breadcrumb-title{font-size:28px;}
    .text-lg-end{text-align:left!important;margin-top:10px;}
}
.about-modern{
    padding:100px 0;
    background:#f7f9ff;
    position:relative;
}

/* background shape */
.about-modern:before{
    content:'';
    position:absolute;
    right:-150px;
    top:-150px;
    width:420px;
    height:420px;
    background:#ff6a2f;
    opacity:0.08;
    border-radius:50%;
}

.about-title{
    font-size:42px;
    font-weight:700;
    color:#1b2e5a;
    margin-bottom:20px;
}

.about-text{
    color:#5f6c8f;
    font-size:17px;
    margin-bottom:15px;
}

/* points */
.about-points{
    margin-top:25px;
}

.point{
    display:flex;
    gap:12px;
    margin-bottom:12px;
    align-items:center;
}

.point .icon{
    width:28px;
    height:28px;
    background:#ff6a2f;
    color:#fff;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:14px;
}

/* image */
.about-img img{
    border-radius:16px;
    box-shadow:0 25px 50px rgba(0,0,0,0.15);
}

/* responsive */
@media(max-width:991px){
    .about-title{font-size:30px;}
    .about-img{margin-bottom:30px;}
}
.vm-section{
    padding:100px 0;
    background:linear-gradient(135deg,#f6f8ff,#eef2ff);
    position:relative;
    overflow:hidden;
}

/* background circle */
.vm-section:before{
    content:'';
    position:absolute;
    width:400px;
    height:400px;
    background:#ff6a2f;
    opacity:0.08;
    border-radius:50%;
    top:-120px;
    left:-120px;
}

.vm-title{
    font-size:42px;
    font-weight:700;
    color:#1b2e5a;
}

.vm-sub{
    color:#6c7aa5;
}

/* cards */
.vm-card{
    background:#fff;
    padding:45px 35px;
    border-radius:18px;
    text-align:center;
    box-shadow:0 20px 40px rgba(0,0,0,0.08);
    height:100%;
    transition:0.3s;
    position:relative;
    overflow:hidden;
}

.vm-card:hover{
    transform:translateY(-8px);
}

/* icon */
.vm-icon{
    width:80px;
    height:80px;
    border-radius:50%;
    background:linear-gradient(135deg,#ff6a2f,#ff9a63);
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:32px;
    margin:0 auto 20px;
}

/* titles */
.vm-card h3{
    font-weight:700;
    color:#1b2e5a;
    margin-bottom:15px;
}

/* colored border effects */
.vision-card{
    border-top:5px solid #ff6a2f;
}

.mission-card{
    border-top:5px solid #1b2e5a;
}

/* responsive */
@media(max-width:768px){
    .vm-title{font-size:30px;}
}
.services-unique{
    padding:110px 0;
    background:linear-gradient(135deg,#f6f8ff,#eef2ff);
    position:relative;
}

/* floating bg */
.services-unique:before{
    content:'';
    position:absolute;
    right:-120px;
    top:-120px;
    width:420px;
    height:420px;
    background:#ff6a2f;
    opacity:0.08;
    border-radius:50%;
}

.srv-main-title{
    font-size:42px;
    font-weight:700;
    color:#1b2e5a;
}

.srv-main-sub{
    color:#6c7aa5;
}

/* unique card */
.srv-box{
    background:#fff;
    padding:35px 28px;
    border-radius:18px;
    box-shadow:0 20px 40px rgba(0,0,0,0.08);
    height:100%;
    position:relative;
    overflow:hidden;
    transition:0.35s;
}

.srv-box:hover{
    transform:translateY(-10px);
}

/* top color band */
.srv-top{
    width:70px;
    height:70px;
    background:linear-gradient(135deg,#ff6a2f,#ff9a63);
    color:#fff;
    font-size:28px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:14px;
    margin-bottom:18px;
}

.srv-box h4{
    font-weight:700;
    color:#1b2e5a;
    margin-bottom:10px;
}

.srv-box p{
    color:#5f6c8f;
    font-size:15px;
    line-height:1.7;
}

/* hover glow */
.srv-box:after{
    content:'';
    position:absolute;
    bottom:-40px;
    right:-40px;
    width:120px;
    height:120px;
    background:#ff6a2f;
    opacity:0.06;
    border-radius:50%;
}

/* responsive */
@media(max-width:768px){
    .srv-main-title{font-size:28px;}
}
.repay-section{
    padding:100px 0;
    background:#f6f8ff;
}

.repay-title{
    font-size:40px;
    font-weight:700;
    color:#1b2e5a;
}

.repay-sub{
    color:#6c7aa5;
}

/* cards */
.repay-card{
    background:#fff;
    padding:40px;
    border-radius:18px;
    box-shadow:0 20px 40px rgba(0,0,0,0.08);
    height:100%;
    position:relative;
    overflow:hidden;
}

/* left */
.bank-card{
    border-top:5px solid #ff6a2f;
}

.bank-box p{
    margin-bottom:10px;
    font-size:16px;
}

/* right */
.upi-card{
    border-top:5px solid #1b2e5a;
}

.qr-box{
    background:#fff;
    padding:20px;
    border-radius:12px;
    display:inline-block;
    box-shadow:0 10px 25px rgba(0,0,0,0.08);
}

.qr-box img{
    max-width:220px;
}

.upi-id{
    font-weight:600;
    margin-top:15px;
    color:#ff6a2f;
}

.note{
    font-size:14px;
    color:#6c7aa5;
    margin-top:15px;
}

/* responsive */
@media(max-width:768px){
    .repay-title{font-size:28px;}
}
.faq-section{
    padding:100px 0;
    background:#f6f8ff;
}

.faq-title{
    font-size:40px;
    font-weight:700;
    color:#1b2e5a;
}

.faq-sub{
    color:#6c7aa5;
}

/* accordion */
.faq-accordion .accordion-item{
    border:none;
    margin-bottom:15px;
    border-radius:12px;
    overflow:hidden;
    box-shadow:0 10px 25px rgba(0,0,0,0.06);
}

.faq-accordion .accordion-button{
    background:#fff;
    font-weight:600;
    color:#1b2e5a;
    padding:20px;
}

.faq-accordion .accordion-button:not(.collapsed){
    background:#ff6a2f;
    color:#fff;
}

.faq-accordion .accordion-body{
    background:#fff;
    color:#5f6c8f;
    padding:20px;
}

/* responsive */
@media(max-width:768px){
    .faq-title{font-size:28px;}
}
.contact-modern{
    padding:100px 0;
    background:#f6f8ff;
}

.contact-title{
    font-size:40px;
    font-weight:700;
    color:#1b2e5a;
}

.contact-sub{
    color:#6c7aa5;
}

/* info */
.contact-info{
    background:linear-gradient(135deg,#1c2e7a,#0e1a4d);
    padding:40px;
    border-radius:16px;
    color:#fff;
    height:100%;
}

.info-box{
    display:flex;
    gap:15px;
    margin-bottom:25px;
}

.info-icon{
    width:50px;
    height:50px;
    background:#ff6a2f;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:20px;
}

/* form */
.contact-form-box{
    background:#fff;
    padding:40px;
    border-radius:16px;
    box-shadow:0 20px 40px rgba(0,0,0,0.08);
}

.form-control{
    height:50px;
    border-radius:8px;
}

textarea.form-control{
    height:auto;
}

.contact-btn{
    background:#ff6a2f;
    color:#fff;
    padding:14px 40px;
    border:none;
    border-radius:8px;
    font-weight:600;
}
.contact-btn:hover{
    background:#e25722;
}

/* responsive */
@media(max-width:768px){
    .contact-title{font-size:28px;}
}
.info-box h5{
    color: #0b1140;
}
.info-box p{
    color: #000;
}
.privacy-section{
    padding:100px 0;
    background:#f6f8ff;
}

.privacy-box{
    background:#fff;
    padding:50px;
    border-radius:18px;
    box-shadow:0 25px 60px rgba(0,0,0,0.08);
    max-width:1000px;
    margin:auto;
}

.privacy-title{
    font-size:42px;
    font-weight:700;
    color:#1b2e5a;
}

.privacy-date{
    color:#6c7aa5;
    margin-bottom:30px;
}

.privacy-box h3{
    margin-top:25px;
    color:#1b2e5a;
    font-weight:700;
}

.privacy-box p{
    color:#5f6c8f;
    line-height:1.8;
}
/* HERO */
.legal-hero{
    background:linear-gradient(135deg,#0e1a4d,#1c2e7a);
    padding:80px 0;
    color:#fff;
}
.legal-hero h1{
    font-size:42px;
    font-weight:700;
}
.legal-hero p{
    opacity:0.85;
}

/* PAGE */
.legal-page{
    background:#f5f7ff;
    padding:80px 0;
}

.legal-wrapper{
    max-width:1100px;
    margin:auto;
}

.legal-content{
    background:#fff;
    padding:50px;
    border-radius:14px;
    box-shadow:0 20px 50px rgba(0,0,0,0.08);
}

/* typography */
.legal-content h3,
.legal-content strong{
    color:#1b2e5a;
}

.legal-content p{
    line-height:1.8;
    color:#5f6c8f;
    font-size:15px;
}

.legal-content ol{
    padding-left:20px;
}

.legal-content li{
    margin-bottom:8px;
}

/* spacing */
.privacy-content p{
    margin-bottom:14px;
}

/* responsive */
@media(max-width:768px){
    .legal-content{padding:25px;}
    .legal-hero h1{font-size:28px;}
}
/* hero */
.disclaimer-hero{
    background:linear-gradient(135deg,#0e1a4d,#1c2e7a);
    color:#fff;
    padding:80px 0;
}
.disclaimer-hero h1{
    font-size:42px;
    font-weight:700;
}

/* page */
.disclaimer-section{
    background:#f6f8ff;
    padding:80px 0;
}

.disclaimer-box{
    
    margin:auto;
    background:#fff;
    padding:50px;
    border-radius:14px;
    box-shadow:0 20px 50px rgba(0,0,0,0.08);
}

.disclaimer-box h3{
    margin-top:25px;
    color:#1b2e5a;
    font-weight:700;
}

.disclaimer-box p{
    color:#5f6c8f;
    line-height:1.8;
    font-size:15px;
}

/* responsive */
@media(max-width:768px){
    .disclaimer-box{padding:25px;}
    .disclaimer-hero h1{font-size:28px;}
}
.loan-calc-sec{
    padding:100px 0;
    /* background:linear-gradient(135deg,#0e1a4d,#1c2e7a); */
    color:#fff;
}

.calc-text h2{
    font-size:42px;
    font-weight:700;
    color: #000;
}
.calc-text p{
   
    color: #000;
}

.calc-result-box{
    background:#fff;
    color:#1b2e5a;
    padding:30px;
    border-radius:16px;
    margin-top:30px;
    box-shadow:0 20px 40px rgba(0,0,0,0.2);
}
.calc-result-box h1{
    color:#ff6a2f;
    font-size:48px;
    font-weight:700;
}

/* card */
.calc-card{
    background:#fff;
    padding:40px;
    border-radius:18px;
    color:#1b2e5a;
    box-shadow:0 20px 50px rgba(0,0,0,0.15);
}

.calc-card label{
    font-weight:600;
    margin-top:15px;
}

.range-value{
    font-weight:700;
    margin-bottom:15px;
}

.calc-btn{
    width:100%;
    margin-top:25px;
    background:#ff6a2f;
    color:#fff;
    padding:15px;
    border:none;
    border-radius:10px;
    font-weight:600;
}
.calc-btn:hover{background:#e25722}

/* range */
input[type=range]{
    width:100%;
}
.ultra-footer{
    background:#0b1535;
    color:#fff;
    font-size:14px;
}

/* grievance */
.footer-topbar{
    background:linear-gradient(135deg,#ff6a2f,#ff8a3d);
    padding:40px 0;
}
.footer-topbar h3{font-weight:700}
.top-contact span{
    margin:0 15px;
    font-weight:600;
}

/* keywords */
.footer-keywords{
    background:#101b46;
    padding:15px 0;
}
.footer-keywords a{
    color:#cfd6ff;
    margin:0 5px;
    font-size:13px;
}

/* main */
.footer-main{
    padding:70px 0;
}
.footer-logo{width:230px;margin-bottom:10px}
.rbi-logo{width:150px;margin:10px 0}

.footer-main h5{
    font-weight:700;
    margin-bottom:20px;
}

.footer-main ul{
    list-style:none;
    padding:0;
}
.footer-main li{margin-bottom:10px}
.footer-main a{
    color:#cfd6ff;
    text-decoration:none;
}
.footer-main a:hover{color:#fff}

/* social */
.social a{
    display:inline-block;
    width:38px;
    height:38px;
    background:#1b2e5a;
    text-align:center;
    line-height:38px;
    border-radius:50%;
    margin-right:8px;
    color:#fff;
}

/* bottom */
.footer-bottom{
    background:#050b22;
    padding:20px 0;
    font-size:13px;
}
.footer-keywords-pro{
    background:linear-gradient(135deg,#0e1a4d,#1c2e7a);
    padding:30px 0;
    text-align:center;
}

.keyword-title{
    color:#fff;
    font-weight:700;
    margin-bottom:20px;
    font-size:18px;
}

/* wrap */
.keyword-wrap{
    display:flex;
    flex-wrap:wrap;
    justify-content:center;
    gap:12px;
}

/* tag style */
.keyword-wrap a{
    background:#fff;
    color:#1b2e5a;
    padding:10px 18px;
    border-radius:30px;
    font-size:13px;
    font-weight:600;
    text-decoration:none;
    transition:0.3s;
    box-shadow:0 5px 15px rgba(0,0,0,0.1);
}

.keyword-wrap a:hover{
    background:#ff6a2f;
    color:#fff;
    transform:translateY(-3px);
}