/* ============================================================
   PRODUCTS PAGE  (productlisting + product-details)
   ============================================================ */

/* ── SHARED PAGE HEADER ──────────────────────────────────── */
.products-page-header {
    position: relative;
    min-height: 380px;
    display: flex;
    align-items: center;
    background-size: cover;
    background-position: center;
    background-color: var(--bank-maroon);
    overflow: hidden;
}
.products-page-header::before { display: none; }
.products-page-header::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}
.products-page-header .container { position: relative; z-index: 2; padding-top: 80px; padding-bottom: 50px; }
.products-page-header h1 {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(1.8rem, 4vw, 2.6rem);
    font-weight: 800;
    color: #1a1a1a;
    line-height: 1.15;
    margin: 0;
    letter-spacing: -0.3px;
}
.products-page-header p { font-size: 1.05rem; color: rgba(0,0,0,0.75); margin: 0; }
.products-breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.875rem;
    color: rgba(0,0,0,0.65);
    margin-top: 10px;
    flex-wrap: wrap;
}
.products-breadcrumb a { color: var(--bank-maroon); text-decoration: none; }
.products-breadcrumb a:hover { color: #111; }
.products-breadcrumb .sep { color: rgba(0,0,0,0.35); font-size: 0.7rem; }

/* ── SECTION NAV ─────────────────────────────────────────── */
.products-section-nav {
    position: sticky;
    top: 0;
    z-index: 100;
    background: var(--page-bg);
    border-bottom: 2px solid #f0ebe4;
    box-shadow: 0 4px 16px rgba(61,7,16,0.06);
}
.products-section-nav .container {
    display: flex;
    align-items: center;
    gap: 4px;
    overflow-x: auto;
    scrollbar-width: none;
    padding-top: 0;
    padding-bottom: 0;
}
.products-section-nav .container::-webkit-scrollbar { display: none; }
.prod-nav-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 16px 24px;
    font-size: 0.875rem;
    font-weight: 600;
    color: #000;
    text-decoration: none;
    border: none;
    background: none;
    cursor: pointer;
    white-space: nowrap;
    border-bottom: 3px solid transparent;
    margin-bottom: -2px;
    transition: color 0.2s, border-color 0.2s;
}
.prod-nav-btn:hover { color: var(--bank-maroon); }
.prod-nav-btn.active { color: var(--bank-maroon); border-bottom-color: var(--gold); }
.prod-nav-btn i { font-size: 1rem; }

/* ── PRODUCT SECTIONS ────────────────────────────────────── */
.products-main { flex: 1; padding: 60px 0; background: var(--page-bg); }
.content-section { margin-bottom: 0; }

/* SECTION HEADINGS */
.section-eyebrow {
    text-transform: uppercase;
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 2px;
    color: var(--gold);
}
.section-title-lg {
    font-weight: 800;
    font-size: clamp(1.5rem, 2.5vw, 2rem);
    color: var(--bank-maroon);
    margin-top: 4px;
    margin-bottom: 8px;
}

/* ── LOAN CARDS (matching reference exactly) ─────────────── */
.loan-card {
    background: var(--page-bg);
    color: #1a1a1a;
    border-radius: 10px;
    overflow: hidden;
    height: 100%;
    transition: all 0.4s cubic-bezier(0.25,0.8,0.25,1);
    box-shadow: 0 5px 15px rgba(0,0,0,0.1);
}
.loan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.2);
}
.loan-img-wrap { overflow: hidden; }
.loan-img {
    width: 100%;
    height: 200px;
    object-fit: cover;
    transition: 0.5s;
    display: block;
}
.loan-card:hover .loan-img { transform: scale(1.05); }
.loan-body {
    padding: 20px;
    text-align: center;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    background: var(--page-bg);
}
.loan-body h5 {
    font-weight: 700;
    font-size: 1.18rem;
    color: var(--bank-maroon);
    margin-bottom: 14px;
    line-height: 1.3;
    text-align: center;
}
.loan-table {
    width: 100%;
    margin: 15px 0;
    font-size: 0.85rem;
    border-collapse: collapse;
}
.loan-table th, .loan-table td {
    border: 1px solid #eee;
    padding: 8px;
}
.loan-table th {
    color: var(--gold);
    font-weight: 700;
    font-size: 0.75rem;
    text-transform: uppercase;
    background: var(--page-bg);
}
.btn-loan-apply {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    border: none;
    color: #fff;
    border-radius: 50px;
    padding: 10px 24px;
    font-size: 0.85rem;
    font-weight: 700;
    text-decoration: none;
    margin-top: 12px;
    transition: all 0.3s;
    align-self: center;
    box-shadow: 0 4px 14px rgba(255,140,0,0.3);
}
.btn-loan-apply:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(255,140,0,0.4);
}
/* Full-width variant used on standalone Loans page */
.btn-loan-apply-full {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    width: 100%;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    border: none;
    color: #fff;
    border-radius: 50px;
    padding: 13px 24px;
    font-size: 0.875rem;
    font-weight: 700;
    text-decoration: none;
    text-align: center;
    margin-top: 16px;
    transition: all 0.3s;
    box-shadow: 0 4px 14px rgba(255,140,0,0.3);
}
.btn-loan-apply-full:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(255,140,0,0.4);
}

/* ── DEPOSITS TABLE ──────────────────────────────────────── */
.deposits-table-wrap .table thead { background: var(--bank-maroon); color: white; }
.deposits-table-wrap .table th,
.deposits-table-wrap .table td { vertical-align: middle; }
.deposits-table-wrap .table-warning td { background: #fff8e1 !important; }
.deposits-note {
    background: #fff8e1;
    border: 1px solid #ffe082;
    border-radius: 8px;
    padding: 14px 18px;
    font-size: 0.875rem;
    margin-top: 20px;
    color: #000;
}
.btn-deposit-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: #fff;
    text-decoration: none;
    padding: 13px 28px;
    border-radius: 50px;
    font-weight: 700;
    transition: all 0.3s;
    box-shadow: 0 6px 20px rgba(255,140,0,0.3);
}
.btn-deposit-cta:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 10px 24px rgba(255,140,0,0.4);
}

/* ── MEMBERSHIP CARDS ────────────────────────────────────── */
.membership-card {
    border: 1px solid #eee;
    border-radius: 15px;
    padding: 30px 20px;
    transition: 0.3s;
    background: var(--page-bg);
    text-align: center;
    height: 100%;
}
.membership-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(0,0,0,0.1);
    border-color: var(--gold);
}
.membership-card .bi { font-size: 2.5rem; margin-bottom: 16px; display: block; }
.membership-card h5 { font-weight: 700; color: var(--bank-maroon); margin-bottom: 10px; }
.membership-table-wrap .table thead th {
    background: var(--page-bg);
    color: #1a1a1a;
    font-weight: 700;
    border-color: #dee2e6;
}
.btn-membership {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: #fff;
    border: none;
    padding: 13px 28px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.875rem;
    text-decoration: none;
    margin-top: 16px;
    transition: all 0.3s;
    box-shadow: 0 6px 20px rgba(255,140,0,0.3);
}
.btn-membership:hover {
    background: linear-gradient(135deg, #ff6b00, #ff8c00);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 10px 24px rgba(255,140,0,0.4);
}

/* ── 3-STAT ROW (replaces old 4-cell loan-table on cards) ─ */
.loan-stat-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    margin: 4px 0 16px;
    border-top: 1px solid rgba(90,16,29,0.10);
    border-bottom: 1px solid rgba(90,16,29,0.10);
}
.loan-stat { padding: 10px 6px; text-align: center; }
.loan-stat + .loan-stat { border-left: 1px solid rgba(90,16,29,0.10); }
.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;
    margin-top: 4px;
    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; }

/* Rate badge on card image */
.loan-img-wrap { position: relative; }
.loan-rate-badge {
    position: absolute;
    bottom: 12px; right: 12px;
    background: linear-gradient(135deg, var(--gold, #c9a84c), #f5e098);
    color: #3d0710;
    font-weight: 800;
    font-size: 0.8rem;
    padding: 5px 12px;
    border-radius: 20px;
    z-index: 2;
    font-family: 'Poppins', sans-serif;
    box-shadow: 0 4px 12px rgba(0,0,0,0.18);
}

/* ── 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;
}
.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;
}
.loan-modal-body { padding: 32px; text-align: left; }
.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; }
.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); }
.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;
}
.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; }
}

/* ── PRODUCT DETAILS ─────────────────────────────────────── */
.product-details-section {
    padding: 72px 0;
    background: #f4f6fa;
}
.prod-desc-card {
    background: var(--page-bg);
    padding: 40px;
    border-radius: 12px;
    box-shadow: 0 12px 30px rgba(0,0,0,0.08);
    margin-bottom: 30px;
    font-size: 16px;
    line-height: 1.9;
}
.prod-desc-card h1, .prod-desc-card h2, .prod-desc-card h3 { color: var(--bank-maroon); }
.prod-desc-card table { width: 100%; border-collapse: collapse; margin: 16px 0; }
.prod-desc-card table th, .prod-desc-card table td { border: 1px solid #e8e0d5; padding: 10px 14px; font-size: 0.875rem; }
.prod-desc-card table th { background: var(--bank-maroon); color: #fff; font-weight: 600; }
.prod-desc-card table tr:nth-child(even) td { background: var(--page-bg); }
.prod-tabs-card {
    background: var(--page-bg);
    border-radius: 12px;
    box-shadow: 0 12px 30px rgba(0,0,0,0.08);
    padding: 35px;
    margin-bottom: 30px;
}
.prod-tabs-card .nav-tabs {
    border-bottom: 2px solid #eee;
    margin-bottom: 25px;
    flex-wrap: wrap;
    gap: 4px;
}
.prod-tabs-card .nav-tabs .nav-link {
    border: none;
    font-weight: 600;
    color: #000;
    padding: 12px 24px;
    border-radius: 8px;
    transition: 0.3s;
    font-size: 0.875rem;
    border-bottom: 3px solid transparent;
    margin-bottom: -2px;
}
.prod-tabs-card .nav-tabs .nav-link:hover { background: var(--page-bg); color: var(--bank-maroon); }
.prod-tabs-card .nav-tabs .nav-link.active {
    background: var(--page-bg);
    color: var(--bank-maroon);
    border-bottom-color: var(--gold);
    font-weight: 700;
}
.prod-tabs-card .tab-content { padding-top: 15px; font-size: 15px; line-height: 1.9; }
.prod-sidebar { position: sticky; top: 100px; }
.prod-sidebar-card {
    background: var(--page-bg);
    padding: 30px;
    margin-bottom: 25px;
    border-radius: 12px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    transition: 0.3s;
    border-top: 3px solid var(--gold);
}
.prod-sidebar-card:hover { transform: translateY(-5px); }
.prod-sidebar-card h5 {
    font-weight: 700;
    font-size: 1.1rem;
    color: var(--bank-maroon);
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.prod-sidebar-card h5 i { color: var(--gold); }
.prod-sidebar-card p { font-size: 14px; line-height: 1.8; color: #000; margin-bottom: 20px; }
.btn-sidebar-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, #ff8c00, #ff6b00);
    color: #fff;
    text-decoration: none;
    padding: 13px 20px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.875rem;
    transition: 0.3s;
    width: 100%;
    justify-content: center;
    box-shadow: 0 6px 20px rgba(255,140,0,0.3);
}
.btn-sidebar-cta:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 10px 24px rgba(255,140,0,0.4); background: linear-gradient(135deg, #ff6b00, #ff8c00); }
.prod-sidebar-card ul { padding-left: 20px; margin: 0; }
.prod-sidebar-card ul li { margin-bottom: 10px; font-size: 14px; color: #000; }

/* RESPONSIVE */
@media (max-width: 991px) {
    .prod-sidebar { position: relative; top: 0; }
    .products-main { padding: 40px 0; }
}
@media (max-width: 575px) {
    .prod-desc-card { padding: 24px 18px; }
    .prod-tabs-card { padding: 22px 16px; }
    .prod-nav-btn { padding: 14px 16px; font-size: 0.82rem; }
}