/* ===================================================
   Bandhan India Foundation - Main Stylesheet
   Premium Financial Website Design
   =================================================== */

/* ---------- CSS Variables / Design Tokens ---------- */
:root {
  --primary: #1565C0;
  --primary-light: #1E88E5;
  --primary-dark: #0D47A1;
  --accent: #D32F2F;
  --accent-light: #EF5350;
  --accent-dark: #B71C1C;
  --gold: #E53935;
  --gold-light: #FF6659;
  --success: #2E7D32;
  --bg-light: #f5f7fa;
  --bg-white: #ffffff;
  --bg-dark: #0a1929;
  --text-primary: #1a1a2e;
  --text-secondary: #555b6e;
  --text-light: #8892a4;
  --text-white: #ffffff;
  --border-light: #e0e6ed;
  --shadow-sm: 0 2px 8px rgba(21, 101, 192, 0.08);
  --shadow-md: 0 4px 20px rgba(21, 101, 192, 0.12);
  --shadow-lg: 0 8px 40px rgba(21, 101, 192, 0.16);
  --shadow-xl: 0 16px 60px rgba(21, 101, 192, 0.2);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 30px;
  --transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --transition-fast: all 0.25s ease;
  --font-heading: 'Outfit', sans-serif;
  --font-body: 'Inter', sans-serif;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-primary);
  background: var(--bg-white);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition-fast);
}

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

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.3;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ---------- Preloader ---------- */
#preloader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--primary-dark);
  z-index: 99999;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.6s ease, visibility 0.6s ease;
}

#preloader.loaded {
  opacity: 0;
  visibility: hidden;
}

#preloader::after {
  content: '';
  width: 50px;
  height: 50px;
  border: 4px solid rgba(255,255,255,0.15);
  border-top-color: var(--accent);
  border-radius: 50%;
  animation: preloaderSpin 0.8s linear infinite;
}

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

/* ---------- Top Bar ---------- */
.top-bar {
  background: var(--primary-dark);
  padding: 8px 0;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

.top-bar-left {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.top-bar-left a,
.top-bar-left span {
  display: flex;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,0.8);
  font-size: 0.82rem;
}

.top-bar-left a:hover {
  color: var(--accent);
}

.top-bar-right {
  display: flex;
  gap: 12px;
}

.top-bar-right a {
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.7);
  font-size: 0.8rem;
  transition: var(--transition-fast);
}

.top-bar-right a:hover {
  background: var(--accent);
  color: var(--text-white);
  transform: translateY(-2px);
}

/* ---------- Header / Navbar ---------- */
.header {
  background: var(--bg-white);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

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

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 0;
  padding-bottom: 0;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 8px 0;
}

.logo img {
  height: 55px;
  width: auto;
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-text .company-name {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--primary);
  line-height: 1.2;
}

.logo-text .company-tagline {
  font-size: 0.7rem;
  color: var(--text-light);
  letter-spacing: 1px;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 0;
}

.nav-menu a {
  padding: 22px 22px;
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--text-primary);
  position: relative;
  letter-spacing: 0.3px;
}

.nav-menu a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  height: 3px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  border-radius: 3px 3px 0 0;
  transition: var(--transition);
}

.nav-menu a:hover,
.nav-menu a.active {
  color: var(--primary);
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
  width: 70%;
}

.nav-cta {
  margin-left: 12px;
}

.nav-cta .btn-primary {
  padding: 10px 24px;
  font-size: 0.88rem;
}

.mobile-menu-close {
  display: none;
}

.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
}

.mobile-menu-btn span {
  display: block;
  width: 26px;
  height: 2.5px;
  background: var(--primary);
  border-radius: 3px;
  transition: var(--transition);
}

/* ---------- Buttons ---------- */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--text-white);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  border-radius: var(--radius-xl);
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(211, 47, 47, 0.35);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 25px rgba(211, 47, 47, 0.45);
  background: linear-gradient(135deg, var(--accent-light), var(--accent));
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  background: transparent;
  color: var(--text-white);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid rgba(255,255,255,0.4);
  border-radius: var(--radius-xl);
  cursor: pointer;
  transition: var(--transition);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.btn-secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--text-white);
  transform: translateY(-3px);
}

.btn-dark {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  background: var(--primary);
  color: var(--text-white);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  border-radius: var(--radius-xl);
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(21, 101, 192, 0.3);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.btn-dark:hover {
  background: var(--primary-light);
  transform: translateY(-3px);
  box-shadow: 0 8px 25px rgba(21, 101, 192, 0.4);
}

/* ---------- Section Headers ---------- */
.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-label {
  display: inline-block;
  padding: 6px 20px;
  background: linear-gradient(135deg, rgba(21, 101, 192, 0.08), rgba(211, 47, 47, 0.08));
  color: var(--primary);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.82rem;
  border-radius: var(--radius-xl);
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.section-title {
  font-size: 2.5rem;
  color: var(--text-primary);
  margin-bottom: 16px;
}

.section-title span {
  background: linear-gradient(135deg, var(--accent), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.8;
}

/* ---------- Hero Slider ---------- */
.hero-slider {
  position: relative;
  height: 90vh;
  min-height: 600px;
  overflow: hidden;
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 1s ease;
}

.hero-slide.active {
  opacity: 1;
  z-index: 2;
}

.hero-slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  animation: heroZoom 8s ease-in-out forwards;
}

@keyframes heroZoom {
  0% { transform: scale(1); }
  100% { transform: scale(1.08); }
}

.hero-slide.active .hero-slide-bg {
  animation: heroZoom 8s ease-in-out forwards;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(10, 25, 41, 0.85) 0%,
    rgba(21, 101, 192, 0.65) 50%,
    rgba(10, 25, 41, 0.75) 100%
  );
}

.hero-content {
  position: relative;
  z-index: 3;
  height: 100%;
  display: flex;
  align-items: center;
}

.hero-text {
  max-width: 700px;
}

.hero-text .hero-label {
  display: inline-block;
  padding: 8px 20px;
  background: rgba(211, 47, 47, 0.15);
  border: 1px solid rgba(211, 47, 47, 0.3);
  border-radius: var(--radius-xl);
  color: var(--accent-light);
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 24px;
  backdrop-filter: blur(10px);
}

.hero-text h1 {
  font-size: 3.2rem;
  color: var(--text-white);
  margin-bottom: 20px;
  line-height: 1.2;
}

.hero-text h1 span {
  background: linear-gradient(135deg, var(--accent), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-text p {
  font-size: 1.12rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 36px;
  line-height: 1.8;
  max-width: 560px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Hero slider controls */
.hero-dots {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  gap: 10px;
}

.hero-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.5);
  background: transparent;
  cursor: pointer;
  transition: var(--transition);
}

.hero-dot.active {
  background: var(--accent);
  border-color: var(--accent);
  transform: scale(1.2);
}

.hero-arrows {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 100%;
  display: flex;
  justify-content: space-between;
  padding: 0 20px;
  pointer-events: none;
}

.hero-arrow {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.3);
  background: rgba(255,255,255,0.08);
  color: var(--text-white);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
  pointer-events: all;
  backdrop-filter: blur(10px);
  font-size: 1.2rem;
}

.hero-arrow:hover {
  background: var(--accent);
  border-color: var(--accent);
  transform: scale(1.1);
}

/* ---------- Welcome / Quick Info Strip ---------- */
.welcome-strip {
  background: var(--bg-white);
  margin-top: -50px;
  position: relative;
  z-index: 10;
}

.welcome-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.welcome-card {
  padding: 40px 32px;
  display: flex;
  align-items: flex-start;
  gap: 20px;
  transition: var(--transition);
  position: relative;
}

.welcome-card:nth-child(1) {
  background: var(--primary);
}

.welcome-card:nth-child(2) {
  background: var(--primary-light);
}

.welcome-card:nth-child(3) {
  background: var(--primary-dark);
}

.welcome-card:hover {
  transform: translateY(-5px);
}

.welcome-card-icon {
  width: 55px;
  height: 55px;
  min-width: 55px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--accent);
}

.welcome-card-content h4 {
  color: var(--text-white);
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.welcome-card-content p {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ---------- About Section ---------- */
.about-section {
  padding: 100px 0;
  background: var(--bg-light);
  overflow: hidden;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about-image-wrapper {
  position: relative;
}

.about-image-wrapper img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  height: 500px;
  object-fit: cover;
}

.about-image-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--text-white);
  padding: 20px 28px;
  border-radius: var(--radius-md);
  text-align: center;
  box-shadow: var(--shadow-lg);
}

.about-image-badge .badge-number {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  font-weight: 800;
  line-height: 1;
}

.about-image-badge .badge-text {
  font-size: 0.82rem;
  font-weight: 500;
  opacity: 0.9;
}

.about-content .section-label {
  margin-bottom: 16px;
}

.about-content h2 {
  font-size: 2.2rem;
  margin-bottom: 20px;
  color: var(--text-primary);
}

.about-content h2 span {
  color: var(--accent);
}

.about-content > p {
  color: var(--text-secondary);
  margin-bottom: 16px;
  font-size: 1rem;
  line-height: 1.8;
}

.about-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 28px 0 36px;
}

.about-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  background: var(--bg-white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
  font-weight: 500;
  font-size: 0.9rem;
  color: var(--text-primary);
  transition: var(--transition);
}

.about-feature:hover {
  transform: translateX(5px);
  box-shadow: var(--shadow-md);
}

.about-feature i {
  color: var(--success);
  font-size: 1rem;
}

/* ---------- Services / Schemes Section ---------- */
.services-section {
  padding: 100px 0;
  background: var(--bg-white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.service-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: var(--transition);
  position: relative;
}

.service-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow-xl);
}

.service-card-image {
  height: 220px;
  overflow: hidden;
  position: relative;
}

.service-card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.service-card:hover .service-card-image img {
  transform: scale(1.1);
}

.service-card-image .service-tag {
  position: absolute;
  top: 16px;
  left: 16px;
  padding: 6px 14px;
  background: var(--accent);
  color: var(--text-white);
  font-size: 0.75rem;
  font-weight: 700;
  border-radius: var(--radius-xl);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.service-card-body {
  padding: 28px;
}

.service-card-body h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
  color: var(--text-primary);
}

.service-card-body p {
  color: var(--text-secondary);
  font-size: 0.92rem;
  line-height: 1.7;
  margin-bottom: 20px;
}

.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.9rem;
  transition: var(--transition);
}

.service-card-link:hover {
  color: var(--accent);
  gap: 12px;
}

/* ---------- Stats Counter Section ---------- */
.stats-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(211, 47, 47, 0.06);
}

.stats-section::after {
  content: '';
  position: absolute;
  bottom: -40%;
  left: -10%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.03);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  position: relative;
  z-index: 1;
}

.stat-card {
  text-align: center;
  padding: 36px 20px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  backdrop-filter: blur(10px);
  transition: var(--transition);
}

.stat-card:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-5px);
}

.stat-icon {
  width: 60px;
  height: 60px;
  margin: 0 auto 16px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--text-white);
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--text-white);
  margin-bottom: 4px;
}

.stat-label {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  font-weight: 500;
}

/* ---------- CTA / Banner Section ---------- */
.cta-section {
  padding: 100px 0;
  background: var(--bg-light);
  position: relative;
  overflow: hidden;
}

.cta-inner {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 70px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-inner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: rgba(211, 47, 47, 0.08);
}

.cta-inner::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}

.cta-inner h2 {
  font-size: 2.2rem;
  color: var(--text-white);
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}

.cta-inner h2 span {
  color: var(--accent);
}

.cta-inner p {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
  max-width: 550px;
  margin: 0 auto 36px;
  position: relative;
  z-index: 1;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

/* ---------- Why Us Section ---------- */
.why-section {
  padding: 100px 0;
  background: var(--bg-white);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.why-card {
  text-align: center;
  padding: 40px 24px;
  border-radius: var(--radius-lg);
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.why-card::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  transform: scaleX(0);
  transition: var(--transition);
}

.why-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.why-card:hover::before {
  transform: scaleX(1);
}

.why-card-icon {
  width: 70px;
  height: 70px;
  margin: 0 auto 20px;
  background: linear-gradient(135deg, rgba(21, 101, 192, 0.06), rgba(211, 47, 47, 0.06));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--primary);
  transition: var(--transition);
}

.why-card:hover .why-card-icon {
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--text-white);
}

.why-card h4 {
  font-size: 1.1rem;
  margin-bottom: 10px;
  color: var(--text-primary);
}

.why-card p {
  color: var(--text-secondary);
  font-size: 0.88rem;
  line-height: 1.6;
}

/* ---------- Contact Section ---------- */
.contact-section {
  padding: 100px 0;
  background: var(--bg-light);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-info h3 {
  font-size: 1.8rem;
  margin-bottom: 8px;
}

.contact-info > p {
  color: var(--text-secondary);
  margin-bottom: 16px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--bg-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.contact-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateX(5px);
}

.contact-item-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-white);
  font-size: 1.1rem;
}

.contact-item-content h5 {
  font-size: 1rem;
  margin-bottom: 4px;
  color: var(--text-primary);
}

.contact-item-content p,
.contact-item-content a {
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.6;
}

.contact-item-content a:hover {
  color: var(--accent);
}

.contact-form {
  background: var(--bg-white);
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.contact-form h3 {
  font-size: 1.5rem;
  margin-bottom: 24px;
  color: var(--text-primary);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 500;
  font-size: 0.88rem;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--text-primary);
  transition: var(--transition-fast);
  background: var(--bg-light);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(21, 101, 192, 0.1);
  background: var(--bg-white);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--bg-dark);
  color: rgba(255,255,255,0.7);
  padding-top: 80px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 0.8fr 1.2fr 1.5fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand .logo img {
  height: 50px;
  margin-bottom: 16px;
}

.footer-brand p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: 20px;
}
.footer-links{
  margin-left: 0;
  padding-left: 0;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--accent);
  color: var(--text-white);
  transform: translateY(-3px);
}

.footer-col h4 {
  color: var(--text-white);
  font-size: 1.1rem;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 12px;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 35px;
  height: 3px;
  background: var(--accent);
  border-radius: 3px;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  transition: var(--transition-fast);
  display: flex;
  align-items: center;
  gap: 8px;
}

.footer-links a:hover {
  color: var(--accent);
  transform: translateX(5px);
}

.footer-links a::before {
  content: '→';
  font-size: 0.8rem;
  color: var(--accent);
  opacity: 0;
  transition: var(--transition-fast);
}

.footer-links a:hover::before {
  opacity: 1;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 16px;
}

.footer-contact-item i {
  color: var(--accent);
  margin-top: 4px;
  min-width: 16px;
}

.footer-contact-item p,
.footer-contact-item a {
  color: rgba(255,255,255,0.6);
  font-size: 0.88rem;
  line-height: 1.6;
}

.footer-contact-item a:hover {
  color: var(--accent);
}

.footer-bottom {
  padding: 20px 0;
  text-align: center;
}

.footer-bottom p {
  color: rgba(255,255,255,0.4);
  font-size: 0.82rem;
}

.footer-bottom a {
  color: var(--accent);
}

/* ---------- Scroll to Top ---------- */
.scroll-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--text-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: var(--transition);
  z-index: 999;
  box-shadow: 0 4px 15px rgba(21, 101, 192, 0.4);
  border: none;
}

.scroll-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.scroll-top:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 25px rgba(21, 101, 192, 0.5);
}

/* ---------- WOW.js Animations ---------- */
.wow {
  visibility: hidden;
}

/* ---------- Responsive Design ---------- */
@media (max-width: 1024px) {
  .hero-text h1 {
    font-size: 2.5rem;
  }

  .about-grid {
    gap: 40px;
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .top-bar .container {
    justify-content: center;
  }

  .top-bar-right {
    display: none;
  }

  .nav-menu {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background: var(--bg-white);
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 0;
    z-index: 9999;
  }

  .nav-menu.open {
    display: flex;
  }

  .nav-menu a {
    padding: 16px 24px;
    font-size: 1.1rem;
  }

  .nav-cta {
    margin-left: 0;
    margin-top: 12px;
  }

  .mobile-menu-btn {
    display: flex;
    z-index: 10000;
  }

  .mobile-menu-close {
    position: absolute;
    top: 20px;
    right: 20px;
    font-size: 2rem;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--text-primary);
    display: none;
  }

  .nav-menu.open .mobile-menu-close {
    display: block;
  }

  .hero-slider {
    height: 80vh;
    min-height: 500px;
  }

  .hero-text h1 {
    font-size: 2rem;
  }

  .hero-text p {
    font-size: 1rem;
  }

  .welcome-cards {
    grid-template-columns: 1fr;
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .about-image-wrapper img {
    height: 350px;
  }

  .services-grid {
    grid-template-columns: 1fr;
    max-width: 500px;
    margin: 0 auto;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }

  .section-title {
    font-size: 2rem;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .cta-inner {
    padding: 50px 30px;
  }

  .cta-inner h2 {
    font-size: 1.8rem;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .why-grid {
    grid-template-columns: 1fr;
    max-width: 400px;
    margin: 0 auto;
  }
}

@media (max-width: 480px) {
  .hero-text h1 {
    font-size: 1.6rem;
  }

  .hero-buttons {
    flex-direction: column;
  }

  .btn-primary, .btn-secondary, .btn-dark {
    padding: 12px 24px;
    font-size: 0.85rem;
    text-align: center;
    justify-content: center;
  }

  .stat-number {
    font-size: 2rem;
  }

  .about-image-badge {
    right: 10px;
    bottom: -15px;
  }

  .logo img {
    height: 42px;
  }

  .logo-text .company-name {
    font-size: 1rem;
  }
}

/* ---------- Utility: Float Animation ---------- */
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-12px); }
}

.float-animation {
  animation: float 4s ease-in-out infinite;
}

/* ---------- Utility: Pulse ---------- */
@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

/* ---------- Glassmorphism utility ---------- */
.glass {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

/* ===================================================
   Bandhan India Foundation - Multi-Page Additions
   Banners, FAQs, Calculator, tables, breadcrumbs
   =================================================== */

/* ---------- Page Banner ---------- */
.page-banner {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 80px 0;
  text-align: center;
  color: var(--text-white);
  position: relative;
  overflow: hidden;
}

.page-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(211, 47, 47, 0.06);
}

.page-banner::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -5%;
  width: 250px;
  height: 250px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.03);
}

.page-banner-content {
  position: relative;
  z-index: 1;
}

.page-banner h1 {
  font-size: 2.6rem;
  margin-bottom: 12px;
  font-family: var(--font-heading);
  text-shadow: 0 2px 10px rgba(0,0,0,0.15);
}

.breadcrumbs {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
}

.breadcrumbs a {
  color: var(--accent-light);
  font-weight: 500;
  transition: var(--transition-fast);
}

.breadcrumbs a:hover {
  color: var(--text-white);
}

.breadcrumbs span {
  color: rgba(255,255,255,0.4);
}

/* ---------- Core Values Grid ---------- */
.values-section {
  padding: 100px 0;
  background: var(--bg-white);
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.value-card {
  text-align: center;
  padding: 40px 24px;
  border-radius: var(--radius-lg);
  background: var(--bg-light);
  border: 1px solid var(--border-light);
  transition: var(--transition);
}

.value-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(21, 101, 192, 0.2);
  background: var(--bg-white);
}

.value-card-icon {
  width: 60px;
  height: 60px;
  margin: 0 auto 20px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--text-white);
}

.value-card:hover .value-card-icon {
  background: linear-gradient(135deg, var(--accent), var(--gold));
}

.value-card h4 {
  font-size: 1.15rem;
  margin-bottom: 12px;
  color: var(--text-primary);
}

.value-card p {
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ---------- Eligibility Tables ---------- */
.table-responsive {
  overflow-x: auto;
  margin-top: 24px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
}

.eligibility-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.92rem;
}

.eligibility-table th {
  background: var(--primary-dark);
  color: var(--text-white);
  padding: 14px 20px;
  font-family: var(--font-heading);
  font-weight: 600;
}

.eligibility-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-secondary);
}

.eligibility-table tr:last-child td {
  border-bottom: none;
}

.eligibility-table tr:nth-child(even) {
  background: var(--bg-light);
}

/* ---------- Process Roadmap ---------- */
.roadmap-section {
  padding: 100px 0;
  background: var(--bg-light);
}

.roadmap-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  position: relative;
}

.roadmap-step {
  background: var(--bg-white);
  padding: 40px 30px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  text-align: center;
  position: relative;
  transition: var(--transition);
}

.roadmap-step:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}

.roadmap-number {
  position: absolute;
  top: -20px;
  left: 50%;
  transform: translateX(-50%);
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--text-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.1rem;
  box-shadow: 0 4px 10px rgba(211, 47, 47, 0.3);
}

.roadmap-step h4 {
  margin-top: 10px;
  margin-bottom: 12px;
  font-size: 1.2rem;
}

.roadmap-step p {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ---------- FAQ Accordion ---------- */
.faq-section {
  padding: 100px 0;
  background: var(--bg-light);
}

.faq-container {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--bg-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: var(--transition);
  border: 1px solid var(--border-light);
}

.faq-item.active {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-md);
}

.faq-question {
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  user-select: none;
}

.faq-question h4 {
  font-size: 1.05rem;
  color: var(--text-primary);
  font-weight: 600;
  transition: var(--transition-fast);
}

.faq-item.active .faq-question h4 {
  color: var(--primary);
}

.faq-icon {
  font-size: 1.1rem;
  color: var(--text-light);
  transition: transform 0.3s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: var(--primary);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 24px;
  color: var(--text-secondary);
  font-size: 0.92rem;
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 200px;
  padding-bottom: 20px;
}

/* ---------- Loan Details Grid ---------- */
.loan-details-section {
  padding: 100px 0;
  background: var(--bg-white);
}

.loan-details-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 50px;
  align-items: start;
}

.loan-detail-content h3 {
  font-size: 1.8rem;
  margin-top: 30px;
  margin-bottom: 16px;
  color: var(--text-primary);
}

.loan-detail-content h3:first-of-type {
  margin-top: 0;
}

.loan-detail-content p {
  color: var(--text-secondary);
  margin-bottom: 20px;
  font-size: 0.98rem;
  line-height: 1.8;
}

.loan-detail-content ul {
  margin-bottom: 24px;
}

.loan-detail-content li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
  color: var(--text-secondary);
  font-size: 0.95rem;
}

.loan-detail-content li i {
  color: var(--primary);
  margin-top: 5px;
  font-size: 0.9rem;
}

/* ---------- Calculator Card ---------- */
.calculator-card {
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-md);
  position: sticky;
  top: 100px;
}

.calculator-card h3 {
  font-size: 1.4rem;
  margin-bottom: 24px;
  color: var(--text-primary);
  border-bottom: 2px solid var(--border-light);
  padding-bottom: 12px;
}

.calculator-group {
  margin-bottom: 24px;
}

.calculator-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

.calculator-label-row label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-primary);
}

.calculator-val {
  font-weight: 700;
  color: var(--primary);
}

.calculator-group input[type="range"] {
  width: 100%;
  accent-color: var(--primary);
  height: 6px;
  background: var(--border-light);
  border-radius: 3px;
  outline: none;
}

.calculator-results {
  background: var(--bg-white);
  padding: 24px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  margin-bottom: 28px;
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--border-light);
}

.calc-result-row:last-child {
  border-bottom: none;
}

.calc-result-row span {
  font-size: 0.88rem;
  color: var(--text-secondary);
}

.calc-result-row strong {
  font-size: 1.1rem;
  color: var(--text-primary);
  font-family: var(--font-heading);
}

.calc-result-row.emi-main strong {
  font-size: 1.4rem;
  color: var(--accent);
}

/* ---------- Responsive Subpage Styles ---------- */
@media (max-width: 1024px) {
  .values-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .loan-details-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .roadmap-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .roadmap-grid::before {
    display: none;
  }
  
  .page-banner {
    padding: 60px 0;
  }

  .page-banner h1 {
    font-size: 2rem;
  }
}

@media (max-width: 480px) {
  .values-grid {
    grid-template-columns: 1fr;
  }

  .calculator-card {
    padding: 24px;
  }
}