/* ============================================================
   HOME PAGE SECTIONS
============================================================ */

/* ============================================================
   HERO / CAROUSEL
============================================================ */
.hero-section { position: relative; overflow: hidden; background: #000; }
.carousel-item {
    height: 70vh;
    min-height: 520px;
    max-height: 700px;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    position: relative;
}
.carousel-item.active .hero-bg-zoom { animation: kenBurns 7s ease-in-out forwards; }
.hero-bg-zoom {
    position: absolute; inset: 0;
    background-size: cover;
    background-position: center;
    transform-origin: center;
}
@keyframes kenBurns { from { transform: scale(1); } to { transform: scale(1.07); } }

/* Soft white wash on left for text contrast — keeps image visible on right */
.hero-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(95deg,
                rgba(255,255,255,0.85) 0%,
                rgba(255,255,255,0.65) 28%,
                rgba(255,255,255,0.25) 50%,
                rgba(255,255,255,0)   72%);
    z-index: 1;
}
.hero-overlay::after { display: none; }

.hero-content-wrapper { position: relative; z-index: 2; height: 100%; display: flex; align-items: center; }
.hero-content {
    max-width: 520px;
    padding-left: 15px;
    padding-right: 20px;
    opacity: 0;
    transform: translateX(-40px);
    animation: slideHeroIn 0.9s cubic-bezier(0.25,1,0.5,1) forwards;
    animation-delay: 0.25s;
}
@keyframes slideHeroIn { to { opacity: 1; transform: translateX(0); } }

.hero-eyebrow { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.hero-eyebrow-line { width: 40px; height: 2px; background: linear-gradient(90deg, #ff8c00, transparent); }
.hero-eyebrow-text { font-size: 0.78rem; font-weight: 700; color: #ff8c00; text-transform: uppercase; letter-spacing: 2.5px; }

.hero-title {
    font-size: 3.2rem;
    font-weight: 800;
    line-height: 1.12;
    margin-bottom: 18px;
    color: var(--bank-maroon, #5a101d);
    text-shadow: 0 1px 2px rgba(255,255,255,0.6);
    font-family: 'Poppins', sans-serif;
}
.hero-title .highlight {
    background: linear-gradient(135deg, #a07a1c 0%, #c9a84c 45%, #8b6914 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    -webkit-text-stroke: 1.5px #3d2106;
    filter: drop-shadow(0 2px 5px rgba(61,33,6,0.35))
            drop-shadow(0 0 1px rgba(61,33,6,0.6));
    font-weight: 900;
    letter-spacing: 0.5px;
}
.hero-subtext {
    color: #1a1a1a;
    font-size: 1.08rem;
    margin-bottom: 32px;
    line-height: 1.6;
    font-weight: 600;
    text-shadow: 0 1px 2px rgba(255,255,255,0.6);
    max-width: 480px;
}
.hero-cta-group { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

.carousel-indicators { bottom: 20px; gap: 8px; }
.carousel-indicators [data-bs-target] {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: rgba(90,16,29,0.35);
    border: none;
    transition: var(--transition-smooth, all 0.35s ease);
    opacity: 1;
}
.carousel-indicators .active { background: #ff8c00; width: 28px; border-radius: 4px; }

.carousel-control-prev, .carousel-control-next {
    width: 48px; height: 48px;
    top: 50%; transform: translateY(-50%);
    border-radius: 50%;
    background: rgba(90,16,29,0.85);
    backdrop-filter: blur(6px);
    border: 1px solid rgba(255,255,255,0.4);
    transition: var(--transition-smooth, all 0.35s ease);
    opacity: 0;
    color: #fff;
}
.carousel-control-prev i,
.carousel-control-next i { color: #fff !important; }
.hero-section:hover .carousel-control-prev,
.hero-section:hover .carousel-control-next { opacity: 1; }
.carousel-control-prev:hover, .carousel-control-next:hover {
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    border-color: #ff8c00;
}
.carousel-control-prev { left: 20px; }
.carousel-control-next { right: 20px; }

@media (max-width: 991px) {
    .hero-title { font-size: 2.3rem; }
    .carousel-item { height: 62vh; min-height: 460px; }
    .hero-overlay {
        background: linear-gradient(180deg,
                    rgba(255,255,255,0.85) 0%,
                    rgba(255,255,255,0.65) 45%,
                    rgba(255,255,255,0.3) 75%,
                    rgba(255,255,255,0) 100%);
    }
    .hero-content { max-width: 100%; padding-right: 15px; }
}
@media (max-width: 575px) { .hero-title { font-size: 2rem; } }

/* ============================================================
   STATS BAR
============================================================ */
.stats-bar {
    background: var(--page-bg);
    padding: 50px 0;
    position: relative;
    z-index: 3;
}
.stat-card {
    background: var(--page-bg);
    border: 1px solid rgba(0,0,0,0.18);
    border-radius: 16px;
    padding: 30px 15px;
    text-align: center;
    height: 100%;
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    position: relative;
    z-index: 1;
}
.stat-card::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 16px;
    box-shadow: 0 15px 35px rgba(90,16,29,0.12);
    opacity: 0;
    transition: opacity 0.4s ease;
    z-index: -1;
}
.stat-card::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--bank-maroon, #5a101d), var(--gold, #c9a84c));
    border-radius: 0 0 16px 16px;
    transform: scaleX(0);
    transition: transform 0.4s ease;
    transform-origin: center;
}
.stat-card:hover { transform: translateY(-8px) scale(1.04); border-color: rgba(201,168,76,0.4); }
.stat-card:hover::after { opacity: 1; }
.stat-card:hover::before { transform: scaleX(1); }

.stat-number {
    font-family: 'Poppins', sans-serif;
    font-size: 2.2rem;
    font-weight: 800;
    background: linear-gradient(135deg, #ff8c00, #e67e00);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    line-height: 1;
    margin-bottom: 8px;
}
.stat-label {
    font-size: 0.8rem;
    color: var(--text-gray, #000);
    text-transform: uppercase;
    letter-spacing: 1.5px;
    font-weight: 700;
}
@media (max-width: 575px) { .stat-number { font-size: 1.6rem; } }

/* ============================================================
   NEWS TICKER
============================================================ */
.news-ticker {
    background: linear-gradient(90deg, var(--banner-maroon-dark, #3d0710) 0%, var(--banner-maroon, #6b0f1a) 100%);
    color: rgba(255,255,255,0.92);
    padding: 7px 0;
    font-size: 0.82rem;
    border-bottom: 2px solid var(--gold, #c9a84c);
    position: relative;
    overflow: hidden;
}
.news-ticker::before {
    content: '';
    position: absolute; inset: 0;
    background: repeating-linear-gradient(90deg, transparent, transparent 4px, rgba(201,168,76,0.03) 4px, rgba(201,168,76,0.03) 5px);
    pointer-events: none;
}
.ticker-wrap { width: 100%; overflow: hidden; white-space: nowrap; display: flex; align-items: center; }
.ticker-tag {
    background: linear-gradient(90deg, var(--gold, #c9a84c), var(--gold-shine, #f5e098));
    color: #3d0710;
    padding: 5px 18px;
    font-weight: 700;
    border-radius: 0 6px 6px 0;
    margin-right: 18px;
    z-index: 2;
    text-transform: uppercase;
    font-size: 0.70rem;
    letter-spacing: 1.2px;
    white-space: nowrap;
    box-shadow: 4px 0 12px rgba(201,168,76,0.3);
    animation: pulseTag 3s ease-in-out infinite;
    font-family: 'Poppins', sans-serif;
}
@keyframes pulseTag {
    0%, 100% { box-shadow: 4px 0 12px rgba(201,168,76,0.3); }
    50% { box-shadow: 4px 0 20px rgba(201,168,76,0.6); }
}
.ticker-move { display: inline-block; white-space: nowrap; padding-left: 100%; animation: ticker 32s linear infinite; color: #fff; }
.ticker-move:hover { animation-play-state: paused; cursor: pointer; }
.ticker-move span { color: #fff; font-weight: 700; }
.ticker-white,
.ticker-white *,
.ticker-white a,
.ticker-white a:visited,
.ticker-white a:hover { color: #fff !important; text-decoration: none; }
@keyframes ticker { 0% { transform: translateX(0); } 100% { transform: translateX(-100%); } }

/* ============================================================
   SHARED SECTION HEADER
============================================================ */
.section-header { margin-bottom: 50px; }
.section-eyebrow {
    display: inline-block;
    background: linear-gradient(135deg, var(--bank-maroon, #5a101d), var(--banner-maroon, #6b0f1a));
    color: white;
    padding: 6px 18px;
    border-radius: 20px;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 14px;
}

/* ============================================================
   SHARED BUTTONS
============================================================ */
.btn-custom {
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: white;
    border: none;
    padding: 13px 32px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.88rem;
    transition: var(--transition-smooth, all 0.35s ease);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    letter-spacing: 0.5px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 6px 20px rgba(255,140,0,0.25);
    font-family: 'Poppins', sans-serif;
}
.btn-custom::before {
    content: '';
    position: absolute;
    top: 0; left: -100%;
    width: 100%; height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
    transition: left 0.5s ease;
}
.btn-custom:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: white;
    transform: translateY(-3px);
    box-shadow: 0 12px 28px rgba(255,140,0,0.4);
}
.btn-custom:hover::before { left: 100%; }

.btn-outline-gold {
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: #fff;
    border: none;
    padding: 13px 32px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.88rem;
    transition: var(--transition-smooth, all 0.35s ease);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    box-shadow: 0 6px 20px rgba(255,140,0,0.25);
}
.btn-outline-gold:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 12px 28px rgba(255,140,0,0.4);
}

.btn-loan-custom {
    color: #fff;
    border: none;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    transition: var(--transition-smooth, all 0.35s ease);
    padding: 11px 24px;
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    position: relative;
    overflow: hidden;
    box-shadow: 0 4px 14px rgba(255,140,0,0.3);
}
/* Shine sweep on hover */
.btn-loan-custom::before {
    content: '';
    position: absolute;
    top: 0; left: -100%;
    width: 100%; height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.22), transparent);
    transition: left 0.45s ease;
    z-index: 1;
}
.btn-loan-custom:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 10px 24px rgba(255,140,0,0.45);
}
.btn-loan-custom:hover::before { left: 100%; }

/* ============================================================
   ABOUT SECTION
============================================================ */
.about-section {
    padding: 80px 0;
    background: var(--page-bg);
    position: relative;
    overflow: hidden;
}
.about-section::before { display: none; }
.about-img-box { position: relative; }
.about-img-box img { border-radius: 12px; box-shadow: 0 20px 50px rgba(0,0,0,0.1); transition: transform 0.5s ease; }
.about-img-box:hover img { transform: scale(1.02); }
.about-img-box::before {
    content: '';
    position: absolute;
    inset: -8px -8px auto auto;
    width: 60%; height: 60%;
    border-top: 3px solid var(--gold, #c9a84c);
    border-right: 3px solid var(--gold, #c9a84c);
    border-radius: 0 12px 0 0;
    pointer-events: none;
    z-index: 2;
    opacity: 0.5;
}
.about-img-box::after {
    content: '';
    position: absolute;
    inset: auto auto -8px -8px;
    width: 60%; height: 60%;
    border-bottom: 3px solid var(--bank-maroon, #5a101d);
    border-left: 3px solid var(--bank-maroon, #5a101d);
    border-radius: 0 0 0 12px;
    pointer-events: none;
    z-index: 2;
    opacity: 0.35;
}
.about-floating-card {
    position: absolute;
    bottom: -24px; right: -24px;
    background: var(--page-bg);
    padding: 22px 24px;
    border-left: 4px solid var(--bank-maroon, #5a101d);
    box-shadow: 0 12px 35px rgba(0,0,0,0.1);
    border-radius: 8px;
    max-width: 290px;
    font-size: 0.88rem;
}
.about-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: linear-gradient(135deg, var(--bank-maroon, #5a101d), var(--banner-maroon, #6b0f1a));
    color: white;
    padding: 5px 14px;
    border-radius: 20px;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 1px;
    margin-bottom: 14px;
}
.about-section h2 { font-size: 2.1rem; line-height: 1.3; }
.about-feature-list { list-style: none; padding: 0; margin: 0 0 28px; }
.about-feature-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 8px 0;
    border-bottom: 1px solid rgba(0,0,0,0.05);
    font-size: 0.9rem;
    color: var(--text-gray, #000);
}
.about-feature-list li i { color: #ff8c00; font-size: 1rem; margin-top: 2px; flex-shrink: 0; }
@media (max-width: 991px) { .about-floating-card { position: static; margin-top: 20px; max-width: 100%; } }

/* ============================================================
   SERVICES SECTION
============================================================ */
.services-section {
    padding: 80px 0;
    background: var(--page-bg);
    text-align: center;
    position: relative;
    overflow: hidden;
}
.services-section::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--bank-maroon, #5a101d), var(--gold, #c9a84c), var(--bank-maroon, #5a101d));
}

/* Pronounced fade-in-up entrance for the 4 service cards (staggered) */
.services-section .reveal {
    opacity: 0;
    transform: translateY(60px);
    transition: opacity 0.8s cubic-bezier(0.22, 1, 0.36, 1),
                transform 0.8s cubic-bezier(0.22, 1, 0.36, 1);
    will-change: transform, opacity;
}
.services-section .reveal.active {
    opacity: 1;
    transform: translateY(0);
}
.service-card {
    background: var(--page-bg);
    padding: 36px 24px 30px;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(90,16,29,0.07);
    transition: var(--transition-smooth, all 0.35s ease);
    height: 100%;
    border: 1px solid rgba(0,0,0,0.06);
    cursor: pointer;
    text-decoration: none;
    display: block;
    color: inherit;
    position: relative;
    overflow: hidden;
}
.service-card::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 0;
    background: linear-gradient(180deg, transparent, rgba(90,16,29,0.03));
    transition: height 0.4s ease;
}
.service-card::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--bank-maroon, #5a101d), var(--gold, #c9a84c));
    transform: scaleX(0);
    transition: transform 0.4s ease;
    transform-origin: left;
}
.service-card:hover { transform: translateY(-8px); box-shadow: 0 20px 40px rgba(0,0,0,0.1); color: inherit; }
.service-card:hover::before { height: 100%; }
.service-card:hover::after { transform: scaleX(1); }
.service-icon {
    width: 70px; height: 70px;
    background: linear-gradient(135deg, #fff3e0, #ffe0b2);
    color: #ff8c00;
    border-radius: 20px;
    display: flex; align-items: center; justify-content: center;
    font-size: 2rem;
    margin: 0 auto 20px;
    transition: var(--transition-bounce, all 0.5s cubic-bezier(0.34,1.56,0.64,1));
    box-shadow: 0 4px 12px rgba(255,140,0,0.15);
}
.service-card:hover .service-icon {
    background: linear-gradient(135deg, var(--bank-maroon, #5a101d), var(--banner-maroon, #6b0f1a));
    color: white;
    transform: rotateY(180deg) scale(1.1);
    box-shadow: 0 8px 25px rgba(90,16,29,0.3);
}

/* ============================================================
   LOANS SECTION
============================================================ */
.loans-section {
    padding: 80px 0;
    background: linear-gradient(160deg, #1a0a0f 0%, #2d0a10 40%, #1a0a0f 100%);
    color: white;
    position: relative;
    overflow: hidden;
}
.loans-section::before {
    content: '';
    position: absolute;
    top: -50%; left: -20%;
    width: 60%; height: 200%;
    background: radial-gradient(ellipse, rgba(201,168,76,0.07) 0%, transparent 70%);
    pointer-events: none;
}
.loans-section::after {
    content: '';
    position: absolute;
    bottom: -50%; right: -20%;
    width: 60%; height: 200%;
    background: radial-gradient(ellipse, rgba(90,16,29,0.3) 0%, transparent 70%);
    pointer-events: none;
}
.loan-card {
    background: rgba(255,255,255,0.97);
    color: var(--text-dark, #1a1a1a);
    border-radius: 14px;
    overflow: hidden;
    height: 100%;
    transition: var(--transition-smooth, all 0.35s ease);
    box-shadow: 0 6px 24px rgba(0,0,0,0.25);
    position: relative;
}
.loan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 50px rgba(0,0,0,0.5), 0 0 0 1px rgba(201,168,76,0.3);
}
.loan-img-wrap { overflow: hidden; position: relative; }
.loan-img-wrap::after {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(180deg, transparent 50%, rgba(90,16,29,0.30) 100%);
}
.loan-img { width: 100%; height: 180px; object-fit: cover; transition: 0.6s; }
.loan-card:hover .loan-img { transform: scale(1.08); }
.loan-rate-badge {
    position: absolute;
    bottom: 12px; right: 12px;
    background: linear-gradient(135deg, var(--gold, #c9a84c), var(--gold-shine, #f5e098));
    color: #3d0710;
    font-weight: 800;
    font-size: 0.85rem;
    padding: 5px 12px;
    border-radius: 20px;
    z-index: 2;
    font-family: 'Poppins', sans-serif;
}
.loan-body {
    padding: 20px 18px;
    display: flex; flex-direction: column;
    justify-content: space-between;
    background: var(--page-bg);
}
.loan-card-title {
    font-family: 'Poppins', sans-serif;
    color: var(--bank-maroon, #5a101d);
    font-weight: 700;
    font-size: 1.18rem;
    margin: 0 0 14px;
    line-height: 1.3;
    text-align: center;
}

/* 3-stat row replacing old loan-table */
.loan-stat-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin: 4px 0 16px;
    border-top: 1px solid rgba(90,16,29,0.08);
    border-bottom: 1px solid rgba(90,16,29,0.08);
}
.loan-stat {
    padding: 10px 6px;
    text-align: center;
    position: relative;
}
.loan-stat + .loan-stat {
    border-left: 1px solid rgba(90,16,29,0.08);
}
.loan-stat-label {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: var(--gold, #c9a84c);
    margin-bottom: 5px;
}
.loan-stat-value {
    font-family: 'Poppins', sans-serif;
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--bank-maroon, #5a101d);
    line-height: 1.25;
}

/* "Know More" button — opens lightbox (matches .btn-custom orange) */
.btn-loan-custom {
    display: block;
    width: 100%;
    text-align: center;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: #fff;
    border: none;
    padding: 11px 16px;
    border-radius: 50px;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 0.3px;
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition-smooth, all 0.35s ease);
    position: relative;
    overflow: hidden;
    box-shadow: 0 4px 14px rgba(255,140,0,0.3);
}
.btn-loan-custom::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    opacity: 0;
    transition: opacity 0.3s ease;
    z-index: 0;
}
.btn-loan-custom span,
.btn-loan-custom i { position: relative; z-index: 1; }
.btn-loan-custom:hover {
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 10px 24px rgba(255,140,0,0.45);
}
.btn-loan-custom:hover::before { opacity: 1; }

/* ============================================================
   LOAN LIGHTBOX MODAL
============================================================ */
.loan-modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(20, 5, 10, 0.78);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    z-index: 99999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.35s ease;
}
.loan-modal-overlay.open {
    opacity: 1;
    pointer-events: auto;
}

.loan-modal {
    background: var(--page-bg);
    border-radius: 22px;
    max-width: 960px;
    width: 100%;
    max-height: 95vh;
    overflow-y: auto;
    overflow-x: hidden;
    position: relative;
    box-shadow: 0 30px 80px rgba(0,0,0,0.6), 0 0 0 1px rgba(201,168,76,0.15);
    transform: scale(0.94) translateY(20px);
    transition: transform 0.45s cubic-bezier(0.34, 1.56, 0.64, 1);
    scrollbar-width: thin;
    scrollbar-color: var(--gold, #c9a84c) transparent;
}
.loan-modal-overlay.open .loan-modal { transform: scale(1) translateY(0); }
.loan-modal::-webkit-scrollbar { width: 6px; }
.loan-modal::-webkit-scrollbar-track { background: transparent; }
.loan-modal::-webkit-scrollbar-thumb {
    background: var(--gold, #c9a84c);
    border-radius: 10px;
}

.loan-modal-close {
    position: absolute;
    top: 16px; right: 16px;
    width: 38px; height: 38px;
    border-radius: 50%;
    background: rgba(255,255,255,0.92);
    border: 1px solid rgba(0,0,0,0.06);
    color: var(--bank-maroon, #5a101d);
    font-size: 1.3rem;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    z-index: 5;
    transition: all 0.25s ease;
    box-shadow: 0 4px 14px rgba(0,0,0,0.15);
}
.loan-modal-close:hover {
    background: var(--bank-maroon, #5a101d);
    color: #fff;
    transform: rotate(90deg);
}

.loan-modal-banner {
    position: relative;
    height: 240px;
    overflow: hidden;
    background: var(--bank-maroon, #5a101d);
}
.loan-modal-banner img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.loan-modal-banner::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(90,16,29,0.15) 0%, rgba(90,16,29,0.35) 50%, rgba(20,5,10,0.92) 100%);
}
.loan-modal-banner-content {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    padding: 28px 32px 22px;
    z-index: 2;
    color: #fff;
}
.loan-modal-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--gold-light, #e8c96a);
    margin-bottom: 8px;
}
.loan-modal-eyebrow::before {
    content: '';
    width: 24px;
    height: 2px;
    background: var(--gold, #c9a84c);
}
.loan-modal-title {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(1.4rem, 2.6vw, 1.85rem);
    font-weight: 800;
    margin: 0;
    color: #fff;
    line-height: 1.2;
    letter-spacing: -0.3px;
}

/* Stat tiles row */
.loan-modal-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    background: #fff;
    border-bottom: 1px solid rgba(90,16,29,0.08);
}
.lm-stat {
    padding: 22px 14px;
    text-align: center;
    position: relative;
}
.lm-stat + .lm-stat {
    border-left: 1px solid rgba(90,16,29,0.08);
}
.lm-stat-label {
    font-size: 0.66rem;
    font-weight: 700;
    letter-spacing: 1.6px;
    text-transform: uppercase;
    color: var(--gold, #c9a84c);
    margin-bottom: 6px;
}
.lm-stat-value {
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--bank-maroon, #5a101d);
    line-height: 1.3;
}

/* Body */
.loan-modal-body {
    padding: 32px;
}
.lm-section + .lm-section { margin-top: 24px; }
.lm-section h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--bank-maroon, #5a101d);
    margin: 0 0 12px;
    padding-bottom: 8px;
    border-bottom: 2px solid rgba(201,168,76,0.25);
    position: relative;
}
.lm-section h3::after {
    content: '';
    position: absolute;
    left: 0; bottom: -2px;
    width: 44px;
    height: 2px;
    background: var(--gold, #c9a84c);
}
.lm-section p {
    font-size: 0.92rem;
    color: #000;
    line-height: 1.75;
    margin: 0;
    text-align: justify;
}

/* Ideal-for pills */
.lm-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}
.lm-pill {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: #fff;
    border: 1px solid rgba(201,168,76,0.4);
    color: var(--bank-maroon, #5a101d);
    font-size: 0.78rem;
    font-weight: 600;
    padding: 7px 14px;
    border-radius: 30px;
    transition: all 0.25s ease;
}
.lm-pill::before {
    content: '\F26A';
    font-family: 'bootstrap-icons';
    color: var(--gold, #c9a84c);
    font-size: 0.7rem;
}
.lm-pill:hover {
    background: var(--bank-maroon, #5a101d);
    color: #fff;
    border-color: var(--bank-maroon, #5a101d);
}
.lm-pill:hover::before { color: var(--gold-light, #e8c96a); }

/* Features list */
.lm-features {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px 18px;
}
@media (max-width: 767px) {
    .lm-features { grid-template-columns: repeat(2, 1fr); }
}
.lm-features li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.88rem;
    color: #000;
    line-height: 1.55;
}
.lm-features li::before {
    content: '\F26A';
    font-family: 'bootstrap-icons';
    color: var(--gold, #c9a84c);
    font-size: 0.95rem;
    flex-shrink: 0;
    margin-top: 1px;
}

/* Enquire CTA */
.lm-enquire-btn {
    margin-top: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
    padding: 15px 24px;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: #fff;
    text-decoration: none;
    border-radius: 10px;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 0.95rem;
    letter-spacing: 0.4px;
    box-shadow: 0 8px 22px rgba(255,140,0,0.35);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}
.lm-enquire-btn::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    opacity: 0;
    transition: opacity 0.3s ease;
}
.lm-enquire-btn span,
.lm-enquire-btn i { position: relative; z-index: 1; }
.lm-enquire-btn:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 14px 30px rgba(255,140,0,0.5); }
.lm-enquire-btn:hover::after { opacity: 1; }

body.loan-modal-open { overflow: hidden; }

@media (max-width: 575px) {
    .loan-modal-banner { height: 200px; }
    .loan-modal-banner-content { padding: 20px 22px 18px; }
    .loan-modal-body { padding: 22px 20px; }
    .lm-stat { padding: 16px 10px; }
    .lm-stat-value { font-size: 0.85rem; }
    .lm-features { grid-template-columns: 1fr; }
    .loan-stat-value { font-size: 0.75rem; }
    .loan-stat-label { font-size: 0.58rem; }
}

/* ============================================================
   APP SECTION
============================================================ */
.app-section {
    padding: 80px 0;
    background: var(--page-bg);
    position: relative;
    overflow: hidden;
}
.app-section::after { display: none; }
.app-feature {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 22px;
    padding: 16px;
    border-radius: 12px;
    transition: var(--transition-smooth, all 0.35s ease);
}
.app-feature:hover { background: rgba(90,16,29,0.03); transform: translateX(6px); }
.app-icon {
    width: 50px; height: 50px;
    background: linear-gradient(135deg, #fff0f2, #ffe4e8);
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem;
    color: var(--bank-maroon, #5a101d);
    flex-shrink: 0;
    transition: var(--transition-smooth, all 0.35s ease);
}
.app-feature:hover .app-icon {
    background: linear-gradient(135deg, var(--bank-maroon, #5a101d), var(--banner-maroon, #6b0f1a));
    color: white;
    transform: rotate(-8deg);
}
.app-store-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--banner-maroon-dark, #3d0710);
    color: white;
    padding: 12px 22px;
    border-radius: 12px;
    text-decoration: none;
    transition: var(--transition-smooth, all 0.35s ease);
    border: 1px solid rgba(201,168,76,0.2);
}
.app-store-btn:hover {
    background: var(--bank-maroon, #5a101d);
    color: white;
    transform: translateY(-3px);
    box-shadow: 0 10px 24px rgba(90,16,29,0.3);
    border-color: var(--gold, #c9a84c);
}
.app-store-btn i { font-size: 1.5rem; }
.app-store-btn .store-text { line-height: 1.2; }
.app-store-btn .store-sub { font-size: 0.65rem; opacity: 0.75; text-transform: uppercase; letter-spacing: 0.5px; }
.app-store-btn .store-name { font-size: 0.88rem; font-weight: 700; }
.app-img-wrap { position: relative; display: inline-block; }
.app-img-wrap::before {
    content: '';
    position: absolute; inset: -16px;
    border: 2px dashed rgba(201,168,76,0.25);
    border-radius: 28px;
    animation: spinBorder 20s linear infinite;
    pointer-events: none;
}
@keyframes spinBorder { to { transform: rotate(360deg); } }

/* ============================================================
   LOCATOR SECTION
============================================================ */
.locator-section {
    padding: 90px 0;
    position: relative;
    background: url('/images/map.jpeg') center/cover;
}
.locator-section::before {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(0,0,0,0.38) 0%, rgba(61,7,16,0.33) 100%);
}
.locator-left {
    position: relative;
    z-index: 2;
}
.locator-title {
    font-size: 2.2rem;
    font-weight: 800;
    color: white;
    line-height: 1.25;
    margin-bottom: 16px;
    font-family: 'Poppins', sans-serif;
}
.locator-desc {
    color: rgba(255,255,255,0.8);
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 28px;
}
.locator-trust-items { list-style: none; padding: 0; margin: 0; }
.locator-trust-items li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255,255,255,0.85);
    font-size: 0.9rem;
    margin-bottom: 14px;
}
.locator-trust-items li i { color: var(--gold, #c9a84c); font-size: 1.1rem; flex-shrink: 0; }

.locator-card {
    background: rgba(255,255,255,0.97);
    backdrop-filter: blur(12px);
    border-radius: 20px;
    padding: 38px;
    position: relative;
    z-index: 2;
    box-shadow: 0 20px 60px rgba(0,0,0,0.25);
    border: 1px solid rgba(255,255,255,0.5);
}
.locator-card .form-select,
.locator-card .form-control {
    border-radius: 10px;
    border: 1.5px solid #e8e8e8;
    transition: var(--transition-smooth, all 0.35s ease);
    background-color: #fff;
    padding: 10px 14px;
    background-image: none !important;
}
.locator-card .form-select:focus,
.locator-card .form-control:focus {
    border-color: var(--bank-maroon, #5a101d);
    box-shadow: 0 0 0 3px rgba(90,16,29,0.1);
}
.locator-submit {
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    border: none;
    border-radius: 50px;
    color: white;
    font-weight: 700;
    transition: var(--transition-smooth, all 0.35s ease);
    padding: 13px 28px;
    width: 100%;
    font-size: 0.95rem;
    cursor: pointer;
}
.locator-submit:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(255,140,0,0.35);
}
.trust-icon {
    width: 64px; height: 64px;
    background: linear-gradient(135deg, var(--bank-maroon, #5a101d), var(--banner-maroon, #6b0f1a));
    border-radius: 18px;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 14px;
    font-size: 1.8rem;
    color: var(--gold-light, #e8c96a);
    transition: var(--transition-smooth, all 0.35s ease);
}
#divLocatorDetails {
    margin-top: 16px;
    background: #fff;
    border: 1px solid rgba(90,16,29,0.15);
    border-radius: 10px;
    padding: 14px;
}
.locator_box { padding: 10px 0; border-bottom: 1px solid rgba(0,0,0,0.06); }
.locator_box:last-child { border-bottom: none; }
.branch-title { font-size: 1rem; font-weight: 700; color: var(--bank-maroon, #5a101d); margin-bottom: 4px; }
.branch-text { font-size: 0.82rem; color: #000; line-height: 1.6; margin: 0; }