/* ==========================================================================
   N LOAN MITRA - Modern Fintech Editorial Design System
   Exact Reference Layout • 100% Real Provided Data
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;0,6..72,600;1,6..72,400;1,6..72,500&display=swap');

:root {
  /* Brand & Theme Colors */
  --color-bg: #FFFFFF;
  --color-bg-subtle: #F9FAFB;
  --color-bg-card: #F3F4F6;
  --color-bg-card-light: #F8FAFC;
  
  --color-dark: #0F172A;
  --color-dark-hover: #1E293B;
  --color-text-main: #0F172A;
  --color-text-body: #475569;
  --color-text-muted: #64748B;
  --color-text-subtle: #94A3B8;

  --color-accent-blue: #2563EB;
  --color-accent-blue-hover: #1D4ED8;
  --color-accent-blue-light: #EFF6FF;

  --color-brand-orange: #F15A24;
  --color-brand-gold: #C59B27;
  
  --color-whatsapp: #25D366;
  --color-whatsapp-hover: #1EBE5D;

  --border-light: #E2E8F0;
  --border-subtle: #F1F5F9;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 16px -2px rgba(15, 23, 42, 0.06);
  --shadow-lg: 0 16px 36px -4px rgba(15, 23, 42, 0.08);
  --shadow-float: 0 20px 40px -8px rgba(0, 0, 0, 0.12);

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Typography */
  --font-serif: 'Newsreader', Georgia, Cambria, "Times New Roman", serif;
  --font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  color: var(--color-text-body);
  background-color: var(--color-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

/* Container */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.container-sm {
  max-width: 860px;
}

/* Typography Classes */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-text-main);
  line-height: 1.15;
}

.font-serif {
  font-family: var(--font-serif);
  font-weight: 500;
  letter-spacing: -0.025em;
}

a {
  color: inherit;
  text-decoration: none;
  transition: all 0.2s ease;
}

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

/* Badges & Pills */
.pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 0.9rem;
  border-radius: var(--radius-full);
  font-size: 0.8125rem;
  font-weight: 600;
  border: 1px solid var(--border-light);
  background: #FFFFFF;
  color: var(--color-text-main);
  box-shadow: var(--shadow-sm);
}

.pill-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-accent-blue);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.9375rem;
  font-weight: 600;
  padding: 0.75rem 1.45rem;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
}

.btn:active {
  transform: scale(0.98);
}

.btn-dark {
  background: var(--color-dark);
  color: #FFFFFF;
}

.btn-dark:hover {
  background: var(--color-dark-hover);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.18);
  transform: translateY(-1px);
}

.btn-blue {
  background: var(--color-accent-blue);
  color: #FFFFFF;
  border-radius: var(--radius-sm);
}

.btn-blue:hover {
  background: var(--color-accent-blue-hover);
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.25);
  transform: translateY(-1px);
}

.btn-outline {
  background: #FFFFFF;
  color: var(--color-text-main);
  border: 1px solid var(--border-light);
}

.btn-outline:hover {
  background: var(--color-bg-subtle);
  border-color: var(--color-text-muted);
}

.btn-whatsapp {
  background: var(--color-whatsapp);
  color: #FFFFFF;
}

.btn-whatsapp:hover {
  background: var(--color-whatsapp-hover);
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.28);
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.84rem;
}

.btn-pill {
  border-radius: var(--radius-full);
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-light);
  padding: 0.75rem 0;
}

.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand-block {
  display: flex;
  align-items: center;
  text-decoration: none;
}

/* Bigger, prominent logo without redundant side text */
.brand-icon-img {
  height: 56px;
  width: auto;
  max-width: 240px;
  object-fit: contain;
  filter: drop-shadow(0 2px 5px rgba(0, 0, 0, 0.05));
  transition: transform 0.2s ease;
}

.brand-block:hover .brand-icon-img {
  transform: scale(1.03);
}

.nav-menu-list {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-item-link {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-text-body);
  display: flex;
  align-items: center;
  gap: 0.3rem;
}

.nav-item-link:hover {
  color: var(--color-text-main);
}

.nav-right-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.nav-call-link {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text-main);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.nav-call-link:hover {
  color: var(--color-accent-blue);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.4rem;
}

/* ==========================================================================
   Hero Section (Editorial Serif + Bento Grid)
   ========================================================================== */
.hero-wrapper {
  padding: 4rem 0 3.5rem;
  text-align: center;
}

.hero-heading {
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  line-height: 1.1;
  color: var(--color-text-main);
  max-width: 960px;
  margin: 0 auto 1.5rem;
}

.hero-subheading {
  font-size: clamp(1.05rem, 1.8vw, 1.25rem);
  color: var(--color-text-body);
  max-width: 780px;
  margin: 0 auto 2.25rem;
  line-height: 1.65;
}

.hero-btn-row {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3.5rem;
}

/* Bento Grid */
.bento-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.75rem;
  text-align: left;
}

/* Bento Card Left: Vibrant Royal Blue Card */
.bento-blue-card {
  background: linear-gradient(145deg, #2563EB 0%, #1D4ED8 100%);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.25rem;
  color: #FFFFFF;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 20px 40px -10px rgba(37, 99, 235, 0.35);
  position: relative;
  overflow: hidden;
}

.bento-tag-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(8px);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 1.25rem;
  align-self: flex-start;
}

.bento-blue-title {
  font-size: 2.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  color: #FFFFFF;
}

.bento-blue-desc {
  font-size: 1rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 2rem;
}

/* Service Pills Grid inside Blue Bento */
.bento-service-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 2rem;
}

.bento-service-chip {
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.25);
  padding: 0.45rem 0.95rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: #FFFFFF;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: all 0.2s ease;
}

.bento-service-chip:hover {
  background: #FFFFFF;
  color: var(--color-accent-blue);
}

/* Bento Card Right: Why Choose N Loan Mitra */
.bento-why-card {
  background: var(--color-bg-card);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.5rem;
  border: 1px solid var(--border-light);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.bento-why-header {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--color-text-main);
  margin-bottom: 1.75rem;
}

.why-items-list {
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
  list-style: none;
  margin-bottom: 2rem;
}

.why-item-row {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  font-size: 0.975rem;
  font-weight: 600;
  color: var(--color-text-main);
  line-height: 1.5;
}

.why-check-dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #DCFCE7;
  color: #16A34A;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.bento-contact-meta {
  padding-top: 1.5rem;
  border-top: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

.meta-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--color-text-main);
}

/* ==========================================================================
   Trust / Scope Bar
   ========================================================================== */
.partner-logos-section {
  padding: 2.5rem 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  background: var(--color-bg-subtle);
}

.partner-logos-row {
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 1.75rem;
}

.partner-logo-item {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-text-main);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

/* ==========================================================================
   Our Loan Services (5 Core Services in Clean Cards)
   ========================================================================== */
.services-section {
  padding: 5.5rem 0;
}

.section-intro-center {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 4rem;
}

.intro-tag {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--color-accent-blue);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  margin-bottom: 0.75rem;
}

.section-main-title {
  font-size: clamp(2.3rem, 4.2vw, 3.4rem);
  color: var(--color-text-main);
  line-height: 1.15;
}

/* 5 Services Grid */
.services-editorial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.services-editorial-grid .service-item-card:nth-child(4),
.services-editorial-grid .service-item-card:nth-child(5) {
  grid-column: span 1.5;
}

.service-item-card {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all 0.25s ease;
}

.service-item-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-accent-blue);
}

.service-card-num {
  font-size: 0.8125rem;
  font-weight: 800;
  color: var(--color-text-subtle);
  letter-spacing: 0.05em;
  margin-bottom: 1rem;
}

.service-card-heading {
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--color-text-main);
  margin-bottom: 1rem;
}

.service-card-copy {
  font-size: 0.95rem;
  color: var(--color-text-body);
  line-height: 1.65;
  margin-bottom: 2rem;
}

.service-enquire-link {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-accent-blue);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.service-enquire-link:hover {
  gap: 0.65rem;
}

/* ==========================================================================
   How It Works (4 Steps)
   ========================================================================== */
.process-section {
  padding: 5rem 0;
  background: var(--color-bg-subtle);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-top: 3.5rem;
}

.process-step-card {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 2.25rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  box-shadow: var(--shadow-sm);
}

.step-circle-badge {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--color-dark);
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.95rem;
}

.step-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-text-main);
}

.step-card-desc {
  font-size: 0.9rem;
  color: var(--color-text-body);
  line-height: 1.6;
}

/* ==========================================================================
   Documents You May Need
   ========================================================================== */
.docs-section {
  padding: 5rem 0;
}

.docs-checklist-box {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 3.5rem;
  box-shadow: var(--shadow-md);
  margin-top: 3rem;
}

.docs-items-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.doc-check-card {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  padding: 1.25rem;
  background: var(--color-bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
}

.check-icon-circle {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #DCFCE7;
  color: #16A34A;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.doc-title-text {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-text-main);
  line-height: 1.45;
}

/* ==========================================================================
   Request A Callback Form
   ========================================================================== */
.callback-section-wrap {
  padding: 5rem 0;
  background: var(--color-bg-subtle);
  border-top: 1px solid var(--border-light);
}

.form-elevated-card {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 3.5rem;
  box-shadow: var(--shadow-lg);
}

.fintech-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.75rem;
}

.form-input-field {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.form-input-field.full {
  grid-column: 1 / -1;
}

.form-input-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-text-main);
}

.fintech-input {
  width: 100%;
  padding: 0.9rem 1.15rem;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--color-text-main);
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.fintech-input:focus {
  border-color: var(--color-accent-blue);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

select.fintech-input {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  cursor: pointer;
  background-color: #FFFFFF;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1.25rem center;
  background-size: 16px 16px;
  padding-right: 2.75rem;
}

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.875rem;
  color: var(--color-text-body);
}

.consent-row input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 0.15rem;
  accent-color: var(--color-dark);
  cursor: pointer;
}

/* ==========================================================================
   Contact Details & Important Disclosure
   ========================================================================== */
.contact-disclosure-section {
  padding: 4.5rem 0 3.5rem;
}

.contact-cards-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  margin-bottom: 3.5rem;
}

.contact-mini-card {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.75rem;
}

.contact-card-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--color-bg-subtle);
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text-main);
}

.contact-card-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-text-muted);
}

.contact-card-val {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-text-main);
}

/* Regulatory Important Disclosure Box */
.important-disclosure-box {
  background: var(--color-bg-subtle);
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--color-dark);
  border-radius: var(--radius-sm);
  padding: 1.75rem 2rem;
}

.disclosure-title-h4 {
  font-size: 0.875rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-main);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.disclosure-body-p {
  font-size: 0.875rem;
  color: var(--color-text-body);
  line-height: 1.6;
}

/* Footer */
.site-footer-bar {
  padding: 2.5rem 0;
  border-top: 1px solid var(--border-light);
  font-size: 0.875rem;
  color: var(--color-text-muted);
}

.footer-inner-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
}

/* Success Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  z-index: 1000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
}

.modal-overlay.active {
  display: flex;
}

.modal-dialog {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  max-width: 520px;
  width: 100%;
  padding: 2.75rem;
  box-shadow: var(--shadow-float);
  text-align: center;
}

/* Responsive */
@media (max-width: 1024px) {
  .bento-grid,
  .services-editorial-grid {
    grid-template-columns: 1fr;
  }

  .services-editorial-grid .service-item-card:nth-child(4),
  .services-editorial-grid .service-item-card:nth-child(5) {
    grid-column: span 1;
  }

  .process-grid,
  .docs-items-grid,
  .contact-cards-row {
    grid-template-columns: 1fr;
  }

  .nav-menu-list,
  .nav-call-link {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }
}

@media (max-width: 640px) {
  .hero-heading {
    font-size: 2.3rem;
  }

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

  .form-elevated-card {
    padding: 2rem 1.5rem;
  }

  .brand-icon-img {
    height: 46px;
  }
}