/* ==========================================================================
   Moneytez — Design tokens
   Palette pulled straight from the brand mark: teal #105C52, grey #939393.
   Paper is a warm neutral (not cream/terracotta), brass is the single
   "money" accent used sparingly for CTAs and numerals.
   ========================================================================== */
:root{
  --teal-900:#0b2e29;
  --teal-700:#134f46;
  --teal-600:#105c52;
  --teal-500:#3e8478;
  --teal-100:#e7efed;
  --grey-600:#6c6f6e;
  --grey-500:#939393;
  --grey-300:#d4d4d1;
  --paper:#f6f4ee;
  --paper-raised:#fffdf8;
  --ink:#15201d;
  --brass:#a97f3f;
  --brass-dark:#8a672f;

  --font-display:'Sora', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body:'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono:'IBM Plex Mono', 'Courier New', monospace;

  --radius:2px;
  --container:1180px;
  --ease:cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
  -webkit-tap-highlight-color:transparent;
  overscroll-behavior-y:none;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;-webkit-tap-highlight-color:transparent;}
h1,h2,h3,h4{
  font-family:var(--font-display);
  font-weight:600;
  line-height:1.1;
  margin:0 0 .5em;
  letter-spacing:-.02em;
  color:var(--teal-900);
}
p{margin:0 0 1em;}
.container{max-width:var(--container);margin:0 auto;padding:0 28px;}
.eyebrow{
  font-family:var(--font-mono);
  font-size:12px;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--brass-dark);
  display:inline-flex;
  align-items:center;
  gap:10px;
  margin-bottom:16px;
}
.eyebrow::before{
  content:"";
  width:22px;height:1px;background:var(--brass-dark);
}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px;}
@media (prefers-reduced-motion:reduce){
  *{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important;}
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 26px;
  font-family:var(--font-body);font-weight:600;font-size:14.5px;
  border-radius:var(--radius);
  border:1px solid transparent;
  cursor:pointer;
  touch-action:manipulation;
  transition:transform .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  white-space:nowrap;
}
.btn-primary{background:var(--teal-600);color:#fff;}
.btn-primary:hover{background:var(--teal-700);transform:translateY(-1px);}
.btn-brass{background:var(--brass);color:#fff;}
.btn-brass:hover{background:var(--brass-dark);transform:translateY(-1px);}
.btn-outline{background:transparent;border-color:var(--teal-900);color:var(--teal-900);}
.btn-outline:hover{background:var(--teal-900);color:#fff;}
.btn-ghost{background:transparent;color:var(--teal-900);padding:14px 10px;}
.btn-ghost:hover{color:var(--brass-dark);}
.btn-sm{padding:10px 18px;font-size:13px;}

/* ---------- top utility / whatsapp+call bar ---------- */
.top-bar{
  background:var(--teal-900);
  color:#e9efee;
  font-family:var(--font-mono);
  font-size:12px;
  letter-spacing:.04em;
}
.top-bar .container{
  display:flex;align-items:center;justify-content:space-between;
  padding-top:8px;padding-bottom:8px;
}
.top-bar a{opacity:.85;transition:opacity .2s;}
.top-bar a:hover{opacity:1;}
.top-bar__links{display:flex;gap:22px;}
.top-bar__rate{color:var(--grey-500);}
.top-bar__rate b{color:#fff;font-weight:600;}

/* ---------- nav ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(246,244,238,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--grey-300);
}
@media(max-width:960px){
  /* A blurred, sticky header repaints on every scroll frame; a lighter
     blur is noticeably cheaper for mid-range mobile GPUs while looking
     effectively identical. */
  .site-header{backdrop-filter:blur(6px);}
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 28px;gap:24px;}
.nav__logo img{height:34px;width:auto;}
.nav__links{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0;}
.nav__links a{
  padding:10px 16px;font-size:14.5px;font-weight:500;color:var(--teal-900);
  position:relative;
}
.nav__links a::after{
  content:"";position:absolute;left:16px;right:16px;bottom:6px;height:1px;
  background:var(--brass);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease);
}
.nav__links a:hover::after,.nav__links a.active::after{transform:scaleX(1);}
.nav__links a.active{color:var(--teal-600);font-weight:600;}
.nav__cta{display:flex;align-items:center;gap:10px;}
.nav__toggle{display:none;background:none;border:0;cursor:pointer;padding:6px;touch-action:manipulation;}
.nav__toggle span{display:block;width:24px;height:2px;background:var(--teal-900);margin:5px 0;transition:transform .25s var(--ease),opacity .25s var(--ease);}
.nav__toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav__toggle.open span:nth-child(2){opacity:0;}
.nav__toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

@media(max-width:960px){
  .nav__links{display:none;}
  .nav__toggle{display:block;}
  .nav__cta .btn-outline{display:none;}
}

/* ---------- mobile sidebar (off-canvas) ---------- */
.page-shell{
  position:relative;
  z-index:1;
  transition:transform .35s var(--ease);
}
.mobile-sidebar{
  position:fixed;top:0;left:0;bottom:0;
  width:280px;max-width:78vw;
  background:var(--paper);
  border-right:1px solid var(--grey-300);
  box-shadow:8px 0 24px rgba(11,46,41,.12);
  transform:translateX(-100%);
  transition:transform .35s var(--ease);
  z-index:70;
  display:flex;flex-direction:column;
  padding:20px 24px 28px;
  overflow-y:auto;
  -webkit-overflow-scrolling:touch;
  overscroll-behavior:contain;
}
.mobile-sidebar__head{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;}
.mobile-sidebar__head .nav__logo img{height:30px;width:auto;}
.mobile-sidebar__close{
  background:none;border:0;cursor:pointer;
  font-size:26px;line-height:1;color:var(--teal-900);
  padding:4px 8px;touch-action:manipulation;
}
.mobile-sidebar__links{list-style:none;margin:0;padding:0;flex:1;}
.mobile-sidebar__links a{
  display:block;padding:15px 0;
  border-bottom:1px solid var(--grey-300);
  font-size:17px;font-weight:500;color:var(--teal-900);
  touch-action:manipulation;
}
.mobile-sidebar__links a.active{color:var(--teal-600);font-weight:600;}
.mobile-sidebar__cta{padding-top:18px;}
.mobile-sidebar__cta .btn{width:100%;text-align:center;}

.sidebar-overlay{
  position:fixed;inset:0;
  background:rgba(11,46,41,.45);
  opacity:0;pointer-events:none;
  transition:opacity .35s var(--ease);
  z-index:65;
}

body.sidebar-open{overflow:hidden;}
body.sidebar-open .page-shell{transform:translateX(280px);}
body.sidebar-open .mobile-sidebar{transform:translateX(0);}
body.sidebar-open .sidebar-overlay{opacity:1;pointer-events:auto;}

@media(max-width:480px){
  .mobile-sidebar{width:78vw;}
  body.sidebar-open .page-shell{transform:translateX(78vw);}
}

@media(min-width:961px){
  .mobile-sidebar,.sidebar-overlay{display:none;}
}

/* ---------- hero ---------- */
.hero{padding:72px 0 96px;}
.hero .container{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center;}
.hero h1{font-size:clamp(34px,4.4vw,58px);}
.hero__lede{font-size:18px;color:var(--grey-600);max-width:46ch;}
.hero__actions{display:flex;gap:14px;margin-top:28px;flex-wrap:wrap;}
.hero__proof{display:flex;gap:32px;margin-top:44px;flex-wrap:wrap;}
.hero__proof div{border-left:1px solid var(--grey-300);padding-left:14px;}
.hero__proof b{display:block;font-family:var(--font-display);font-size:24px;color:var(--teal-600);}
.hero__proof span{font-size:12.5px;color:var(--grey-600);}

/* ---------- calculator card (signature element) ---------- */
.calc-card{
  background:var(--paper-raised);
  border:1px solid var(--grey-300);
  border-radius:var(--radius);
  padding:32px;
  box-shadow:0 30px 60px -30px rgba(11,46,41,.25);
  position:relative;
}
.calc-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--brass);
}
.calc-card__head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:22px;}
.calc-card__head h3{font-size:17px;margin:0;color:var(--teal-900);}
.calc-card__head span{font-family:var(--font-mono);font-size:11px;color:var(--grey-600);text-transform:uppercase;letter-spacing:.08em;}
.calc-row{margin-bottom:22px;}
.calc-row label{display:flex;justify-content:space-between;font-size:13.5px;font-weight:600;color:var(--teal-900);margin-bottom:10px;}
.calc-row label .val{font-family:var(--font-mono);color:var(--brass-dark);}
input[type=range]{
  -webkit-appearance:none;width:100%;height:3px;background:var(--grey-300);border-radius:2px;outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:18px;height:18px;border-radius:50%;
  background:var(--teal-600);border:3px solid var(--paper-raised);box-shadow:0 0 0 1px var(--teal-600);cursor:pointer;
}
input[type=range]::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;background:var(--teal-600);border:3px solid var(--paper-raised);box-shadow:0 0 0 1px var(--teal-600);cursor:pointer;
}
.calc-toggle{display:flex;gap:8px;margin-bottom:22px;}
.calc-toggle button{
  flex:1;padding:9px 6px;font-size:12.5px;font-weight:600;font-family:var(--font-body);
  background:transparent;border:1px solid var(--grey-300);border-radius:var(--radius);cursor:pointer;color:var(--grey-600);
  transition:.2s;
}
.calc-toggle button.active{background:var(--teal-900);border-color:var(--teal-900);color:#fff;}
.calc-result{
  background:var(--teal-900);color:#fff;border-radius:var(--radius);padding:20px 22px;
  display:flex;justify-content:space-between;align-items:center;margin-bottom:18px;
}
.calc-result span{font-size:12px;letter-spacing:.05em;text-transform:uppercase;color:var(--grey-500);display:block;margin-bottom:4px;}
.calc-result b{font-family:var(--font-mono);font-size:26px;font-weight:500;}
.calc-fine{font-size:11.5px;color:var(--grey-600);margin:0;}

/* ---------- trust strip ---------- */
.trust{border-top:1px solid var(--grey-300);border-bottom:1px solid var(--grey-300);padding:34px 0;}
.trust .container{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;}
.trust b{display:block;font-family:var(--font-display);font-size:30px;color:var(--teal-600);}
.trust span{font-size:12.5px;color:var(--grey-600);}

/* ---------- section shells ---------- */
section{padding:96px 0;}
.section-head{max-width:640px;margin-bottom:56px;}
.section-head h2{font-size:clamp(28px,3.2vw,40px);}
.section-head p{color:var(--grey-600);font-size:16.5px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}

/* ---------- product cards ---------- */
.products{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
.product-card{
  background:var(--paper-raised);border:1px solid var(--grey-300);border-radius:var(--radius);
  padding:44px;display:flex;flex-direction:column;transition:border-color .25s,transform .25s;
}
.product-card:hover{border-color:var(--teal-600);transform:translateY(-3px);}
.product-card .tag{font-family:var(--font-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--brass-dark);}
.product-card h3{font-size:26px;margin-top:8px;}
.product-card ul{list-style:none;margin:20px 0 28px;padding:0;}
.product-card li{
  padding:10px 0;border-top:1px solid var(--grey-300);font-size:14.5px;color:var(--grey-600);
  display:flex;justify-content:space-between;
}
.product-card li b{color:var(--teal-900);font-family:var(--font-mono);font-weight:500;}
.product-card__foot{margin-top:auto;display:flex;gap:12px;flex-wrap:wrap;}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:step;}
.step{border-top:2px solid var(--teal-900);padding-top:18px;}
.step::before{
  counter-increment:step;content:"0" counter(step);
  font-family:var(--font-mono);font-size:13px;color:var(--brass-dark);display:block;margin-bottom:12px;
}
.step h4{font-size:18px;margin-bottom:8px;}
.step p{font-size:14.5px;color:var(--grey-600);margin:0;}

/* ---------- feature grid ---------- */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--grey-300);border:1px solid var(--grey-300);}
.feature{background:var(--paper);padding:36px;}
.feature h4{font-size:17px;margin-bottom:8px;}
.feature p{font-size:14.5px;color:var(--grey-600);margin:0;}
.feature .mark{color:var(--teal-600);font-size:22px;margin-bottom:14px;display:block;}

/* ---------- testimonials ---------- */
.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.testi{background:var(--paper-raised);border:1px solid var(--grey-300);padding:32px;border-radius:var(--radius);}
.testi p{font-size:15px;color:var(--ink);font-style:italic;}
.testi footer{display:flex;justify-content:space-between;font-size:13px;color:var(--grey-600);border-top:1px solid var(--grey-300);padding-top:14px;margin-top:18px;}
.testi footer b{color:var(--teal-900);font-style:normal;}

/* ---------- cta banner ---------- */
.cta-banner{background:var(--teal-900);color:#fff;padding:72px 0;}
.cta-banner .container{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;}
.cta-banner h2{color:#fff;font-size:clamp(24px,3vw,34px);max-width:520px;margin:0;}
.cta-banner__actions{display:flex;gap:14px;}

/* ---------- footer ---------- */
.site-footer{background:var(--teal-900);color:var(--grey-500);padding:64px 0 26px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.12);}
.footer-grid img{height:30px;filter:grayscale(1) brightness(0) invert(1);margin-bottom:16px;}
.footer-grid p{font-size:13.5px;line-height:1.6;color:var(--grey-500);}
.footer-col h5{color:#fff;font-family:var(--font-mono);font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 18px;}
.footer-col ul{list-style:none;margin:0;padding:0;}
.footer-col li{margin-bottom:12px;}
.footer-col a{font-size:14px;color:var(--grey-500);transition:color .2s;}
.footer-col a:hover{color:#fff;}
.footer-bottom{display:flex;justify-content:space-between;padding-top:26px;font-size:12.5px;flex-wrap:wrap;gap:10px;}

/* ---------- floating whatsapp/call ---------- */
.float-actions{position:fixed;right:22px;bottom:22px;z-index:60;display:flex;flex-direction:column;gap:12px;}
.float-actions a{
  width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  box-shadow:0 10px 24px -8px rgba(11,46,41,.5);transition:transform .2s;
}
.float-actions a:hover{transform:scale(1.07);}
.float-actions .wa{background:#25d366;color:#fff;}
.float-actions .call{background:var(--teal-600);color:#fff;}
.float-actions svg{width:24px;height:24px;}

/* ---- WhatsApp nudge popup ---- */
.wa-popup{
  position:fixed;
  right:22px;
  bottom:96px;
  z-index:59;
  max-width:270px;
  background:var(--paper-raised);
  border:1px solid var(--grey-300);
  border-radius:12px;
  box-shadow:0 12px 32px rgba(11,46,41,.18);
  padding:16px 18px;
  opacity:0;
  transform:translateY(14px);
  pointer-events:none;
  transition:opacity .4s var(--ease), transform .4s var(--ease);
}
.wa-popup.show{opacity:1;transform:translateY(0);pointer-events:auto;}
.wa-popup__close{
  position:absolute;
  top:8px;right:10px;
  background:none;border:none;
  font-size:16px;line-height:1;
  color:var(--grey-500);
  cursor:pointer;
  padding:4px;
}
.wa-popup__close:hover{color:var(--ink);}
.wa-popup p{margin:0 0 10px;font-size:13.5px;color:var(--ink);padding-right:14px;}
.wa-popup p b{color:var(--teal-700);}
.wa-popup__btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:6px;
  width:100%;
  background:#25d366;
  color:#fff;
  font-family:var(--font-body);
  font-weight:600;
  font-size:13.5px;
  border:none;
  border-radius:6px;
  padding:9px 12px;
  cursor:pointer;
  text-decoration:none;
}
.wa-popup__btn:hover{filter:brightness(1.05);}
@media (max-width:480px){
  .wa-popup{right:14px;bottom:88px;max-width:calc(100vw - 28px);}
}

/* ---------- inner page hero (about/loans/contact) ---------- */
.page-hero{padding:64px 0 56px;border-bottom:1px solid var(--grey-300);}
.page-hero .eyebrow{margin-bottom:14px;}
.page-hero h1{font-size:clamp(30px,4vw,46px);max-width:16ch;}
.page-hero p{max-width:56ch;color:var(--grey-600);font-size:17px;}
.breadcrumb{font-family:var(--font-mono);font-size:12px;color:var(--grey-600);margin-bottom:18px;letter-spacing:.03em;}
.breadcrumb a{color:var(--teal-600);}

/* two column content blocks */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;}
.split.reverse{direction:rtl;}
.split.reverse > *{direction:ltr;}
.split img{border-radius:var(--radius);}
.check-list{list-style:none;margin:0;padding:0;}
.check-list li{display:flex;gap:12px;padding:12px 0;border-top:1px solid var(--grey-300);font-size:15px;color:var(--grey-600);}
.check-list li:first-child{border-top:none;}
.check-list li::before{content:"";flex-shrink:0;width:8px;height:8px;background:var(--brass);margin-top:7px;border-radius:1px;}

/* eligibility / rate table */
.rate-table{width:100%;border-collapse:collapse;margin-top:8px;}
.rate-table th,.rate-table td{text-align:left;padding:16px 18px;border-bottom:1px solid var(--grey-300);font-size:14.5px;}
.rate-table th{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--grey-600);font-weight:500;}
.rate-table td b{color:var(--teal-600);font-family:var(--font-mono);}

/* faq */
.faq{border-top:1px solid var(--grey-300);}
.faq-item{border-bottom:1px solid var(--grey-300);}
.faq-item summary{
  cursor:pointer;padding:22px 4px;font-family:var(--font-display);font-size:18px;color:var(--teal-900);
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";font-family:var(--font-mono);font-size:20px;color:var(--brass-dark);transition:transform .2s;}
.faq-item[open] summary::after{transform:rotate(45deg);}
.faq-item p{padding:0 4px 22px;color:var(--grey-600);max-width:70ch;}

/* ---------- contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:64px;}
.contact-info .item{padding:22px 0;border-top:1px solid var(--grey-300);}
.contact-info .item:first-child{border-top:none;}
.contact-info .item h5{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--grey-600);margin:0 0 8px;}
.contact-info .item p{margin:0;font-size:16px;color:var(--teal-900);}
.contact-info .item a{color:var(--teal-600);font-weight:600;}
.form-card{background:var(--paper-raised);border:1px solid var(--grey-300);border-radius:var(--radius);padding:40px;}
.field{margin-bottom:20px;}
.field label{display:block;font-size:13px;font-weight:600;color:var(--teal-900);margin-bottom:8px;}
.field input,.field select,.field textarea{
  width:100%;padding:13px 14px;border:1px solid var(--grey-300);border-radius:var(--radius);
  font-family:var(--font-body);font-size:14.5px;background:#fff;color:var(--ink);
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--teal-600);outline:none;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}

/* ---------- responsive ---------- */
@media(max-width:960px){
  .hero .container,.split,.contact-grid{grid-template-columns:1fr;}
  .split.reverse{direction:ltr;}
  .trust .container,.products,.steps,.features,.testimonials{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  section{padding:64px 0;}
}
@media(max-width:640px){
  .top-bar__links{display:none;}
  .trust .container,.products,.steps,.features,.testimonials,.footer-grid,.field-row{grid-template-columns:1fr;}
  .hero{padding:48px 0 64px;}
  .cta-banner .container{flex-direction:column;align-items:flex-start;}
}

/* ==========================================================================
   Scroll-reveal / GSAP animation hooks
   Base hidden state applied via CSS so there's no flash of animated content;
   a <noscript> stylesheet override (see <head>) shows everything if JS is off.
   ========================================================================== */
[data-reveal]{opacity:0;transform:translateY(36px);will-change:transform,opacity;}
[data-reveal-scale]{opacity:0;transform:scale(.94);will-change:transform,opacity;}
[data-reveal-left]{opacity:0;transform:translateX(-32px);will-change:transform,opacity;}
[data-reveal-right]{opacity:0;transform:translateX(32px);will-change:transform,opacity;}
.js-disabled [data-reveal],
.js-disabled [data-reveal-scale],
.js-disabled [data-reveal-left],
.js-disabled [data-reveal-right]{opacity:1 !important;transform:none !important;}

/* hero split-text lines */
.split-line{overflow:hidden;display:block;}
.split-line > span{display:inline-block;will-change:transform;}

/* card hover lift (used across product/khata/feature/why cards) */
.hover-lift{transition:transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);}
.hover-lift:hover{transform:translateY(-6px);box-shadow:0 24px 48px -20px rgba(11,46,41,.28);border-color:var(--teal-600);}

/* ---------- big interest-rate section ---------- */
.rate-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--grey-300);border:1px solid var(--grey-300);border-radius:var(--radius);overflow:hidden;}
.rate-card{background:var(--paper-raised);padding:44px 32px;text-align:center;}
.rate-card .rate-label{font-family:var(--font-mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--grey-600);}
.rate-card .rate-from{font-size:13px;color:var(--grey-600);margin:14px 0 4px;}
.rate-card .rate-num{
  font-family:var(--font-display);font-weight:700;letter-spacing:-.03em;
  font-size:clamp(40px,5.2vw,68px);color:var(--teal-600);line-height:1;
  display:flex;align-items:baseline;justify-content:center;gap:2px;
}
.rate-card .rate-num sup{font-size:.35em;color:var(--brass-dark);font-weight:600;}
.rate-card:nth-child(2) .rate-num,.rate-card:nth-child(2n) .rate-num{color:var(--brass);}

/* ---------- loan services (5-up) cards ---------- */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.services-grid .product-card{padding:36px;}
.services-grid .product-card:nth-child(4),
.services-grid .product-card:nth-child(5){grid-column:span 1;}

/* ---------- beyond regular loans / khata grid ---------- */
.khata-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.khata-card{
  background:var(--paper-raised);border:1px solid var(--grey-300);border-radius:var(--radius);
  padding:26px 24px;display:flex;align-items:center;gap:16px;
}
.khata-card .num{font-family:var(--font-mono);font-size:12px;color:var(--brass-dark);}
.khata-card h4{margin:0;font-size:16px;}

/* ---------- process timeline v2 (home page) ---------- */
.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.timeline::before{content:"";position:absolute;top:19px;left:0;right:0;height:1px;background:var(--grey-300);}
.timeline-step{position:relative;padding:0 20px 0 0;}
.timeline-step .dot{
  width:38px;height:38px;border-radius:50%;background:var(--teal-900);color:#fff;
  display:flex;align-items:center;justify-content:center;font-family:var(--font-mono);font-size:13px;
  position:relative;z-index:1;margin-bottom:20px;
}
.timeline-step h4{font-size:18px;margin-bottom:6px;}
.timeline-step p{font-size:14.5px;color:var(--grey-600);margin:0;}

/* ---------- counters ---------- */
[data-counter]{font-variant-numeric:tabular-nums;}

/* responsive additions */
@media(max-width:960px){
  .rate-grid{grid-template-columns:1fr 1fr;}
  .services-grid,.khata-grid{grid-template-columns:1fr 1fr;}
  .timeline{grid-template-columns:1fr 1fr;row-gap:36px;}
  .timeline::before{display:none;}
}
@media(max-width:640px){
  .rate-grid,.services-grid,.khata-grid,.timeline{grid-template-columns:1fr;}
}