@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800;900&display=swap');
@import url('https://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.5.2/css/all.min.css');

:root{
  --primary:#12326F;
  --secondary:#18B368;
  --text:#1F2937;
  --muted:#6B7280;
  --background:#F8FAFC;
  --border:#E5E7EB;
  --white:#FFFFFF;
  --dark:#0B1F45;
  --radius:16px;
  --shadow-sm:0 2px 8px rgba(18,50,111,.06);
  --shadow-md:0 8px 24px rgba(18,50,111,.10);
  --shadow-lg:0 20px 48px rgba(18,50,111,.14);
  --gradient:linear-gradient(135deg,#12326F 0%,#1B5A8C 42%,#17966F 72%,#18B368 100%);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;min-height:100%}
body{margin:0;min-height:100vh;font-family:'Manrope',sans-serif;color:var(--text);background:var(--background);line-height:1.6;-webkit-font-smoothing:antialiased;display:flex;flex-direction:column}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit}
h1,h2,h3,h4,h5,h6{margin:0;color:var(--primary);font-weight:800;letter-spacing:-.025em}
p{margin-top:0}
.container-xl{max-width:1240px;margin:0 auto;padding:0 24px}

/* ========= BUTTONS ========= */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:12px;padding:13px 24px;font-weight:800;font-size:14px;cursor:pointer;transition:.25s ease}
.btn-primary,a.btn-primary,button.btn-primary{background:var(--gradient);background-size:150% 150%;background-position:0 50%;color:#fff!important;box-shadow:var(--shadow-md)}
.btn-primary:hover{background-position:100% 50%;transform:translateY(-2px);box-shadow:var(--shadow-lg);color:#fff!important}
.btn-outline{background:#fff;color:var(--primary);border:1px solid var(--border)}
.btn-outline:hover{border-color:var(--primary);transform:translateY(-2px)}
.btn-secondary{background:var(--secondary);color:#fff!important}
.btn-block{width:100%}
.btn-sm{padding:8px 15px;font-size:12px}

/* ========= NAVBAR ========= */
.navbar-creditko{position:sticky;top:0;z-index:999;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid var(--border);padding:14px 0}
.navbar-creditko .logo{font-size:25px;font-weight:900;color:var(--primary)}
.navbar-creditko .logo span{color:var(--secondary)}
.nav-links{display:flex;align-items:center;gap:5px;list-style:none;margin:0;padding:0}
.nav-links a{display:block;padding:8px 12px;font-size:14px;font-weight:800;color:var(--text)}
.nav-links a:hover{color:var(--primary)}
.navbar-toggler{padding:5px}
.navbar-logo-link{
    display:flex;
    align-items:center;
    line-height:1;
}

.navbar-logo-image{
    display:block;
    width:auto;
    height:38px;
    max-width:180px;
    object-fit:contain;
}

@media(max-width:767px){
    .navbar-logo-image{
        height:32px;
        max-width:150px;
    }
}


/* ========= GENERIC SECTIONS ========= */
.section{padding:78px 0}
.section-title{text-align:center;margin-bottom:42px}
.section-title h2{font-size:34px;margin:5px 0 10px}
.section-title p{max-width:650px;margin:0 auto;color:var(--muted)}
.badge-pill{display:inline-block;padding:6px 15px;border-radius:999px;background:#E7EDF8;color:var(--primary);font-size:12px;font-weight:900}
.card-creditko{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm)}

/* ========= HERO ========= */
.hero{padding:30px 0 75px;overflow:hidden;background:radial-gradient(circle at 85% 15%,rgba(24,179,104,.10),transparent 42%),radial-gradient(circle at 8% 90%,rgba(18,50,111,.07),transparent 48%)}
.hero-v2{background:radial-gradient(circle at 85% 20%,#E7FAF1,transparent 45%),var(--background)}
.hero h1{font-size:52px;line-height:1.12;margin:14px 0 20px}
.gradient-text{background:var(--gradient);-webkit-background-clip:text;background-clip:text;color:transparent}
.subheading{max-width:580px;color:#4B5563;font-size:17px;margin-bottom:28px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-illustration{width:100%;max-width:520px;margin:auto}
.lead-card{max-width:390px;margin:auto}
.lead-card-icon{width:50px;height:50px;display:grid;place-items:center;border-radius:14px;background:#E5F8EE;color:var(--secondary);font-size:22px}
.lead-card h3{font-size:21px;margin:16px 0 8px}
.lead-card p,.lead-card small{font-size:13px;color:var(--muted)}
.hero-eyebrow{
    display:inline-flex;
    align-items:center;
    gap:8px;
    background:#E5F8EE;
    color:var(--secondary);
    font-size:12.5px;
    font-weight:800;
    letter-spacing:.02em;
    padding:7px 16px;
    border-radius:999px;
    margin-bottom:20px;
}
.hero-eyebrow i{font-size:11px}

.hero-highlight-stat{
    display:inline-flex;
    align-items:center;
    gap:12px;
    background:linear-gradient(90deg,rgba(18,50,111,.06) 0%,rgba(24,179,104,.10) 100%);
    border:1px solid rgba(24,179,104,.28);
    border-radius:14px;
    padding:14px 20px;
    margin-bottom:24px;
}
.hero-highlight-stat .icon-wrap{
    flex-shrink:0;
    width:38px;
    height:38px;
    display:grid;
    place-items:center;
    border-radius:10px;
    background:#fff;
    color:var(--secondary);
    font-size:16px;
    box-shadow:var(--shadow-sm);
}
.hero-highlight-stat .stat-text{
    font-size:16px;
    font-weight:700;
    color:var(--primary);
    line-height:1.35;
}
.hero-highlight-stat .stat-text .num{
    background:var(--gradient);
    -webkit-background-clip:text;
    background-clip:text;
    color:transparent;
    font-weight:900;
}

/* ========= TRUST STRIP ========= */
.trust-strip-section{padding:0 0 60px}
.trust-strip{
    position:relative;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    background:#fff;
    border:1px solid var(--border);
    border-radius:var(--radius);
    padding:26px 36px;
    box-shadow:var(--shadow-md);
    overflow:hidden;
}
.trust-strip::before{
    content:'';
    position:absolute;
    top:0; left:0;
    width:100%;
    height:3px;
    background:var(--gradient);
}
.trust-item{
    display:flex;
    align-items:center;
    gap:14px;
    flex:1;
    min-width:0;
}
.trust-item .icon-wrap{
    flex-shrink:0;
    width:46px;
    height:46px;
    display:grid;
    place-items:center;
    border-radius:12px;
    background:linear-gradient(145deg,rgba(24,179,104,.12),rgba(18,50,111,.10));
    color:var(--primary);
    font-size:19px;
}
.trust-copy{min-width:0}
.trust-number{
    font-size:19px;
    font-weight:900;
    line-height:1.15;
    background:var(--gradient);
    -webkit-background-clip:text;
    background-clip:text;
    color:transparent;
    white-space:nowrap;
}
.trust-label{
    margin-top:2px;
    font-size:12.5px;
    font-weight:600;
    color:var(--muted);
    white-space:nowrap;
}
.trust-badge-tag{
    display:inline-flex;
    align-items:center;
    gap:4px;
    margin-top:4px;
    font-size:10.5px;
    font-weight:800;
    color:var(--secondary);
    background:#E5F8EE;
    padding:3px 8px;
    border-radius:999px;
}
.trust-divider{width:1px;height:38px;background:var(--border);flex-shrink:0}

@media(max-width:860px){
    .trust-strip{flex-wrap:wrap;padding:22px 20px;gap:18px 0;justify-content:flex-start;}
    .trust-item{flex:0 0 48%;}
    .trust-divider{display:none}
    .trust-number{font-size:16px}
    .trust-label{font-size:11.5px;white-space:normal}
}
@media(max-width:520px){
    .trust-strip{padding:18px 16px}
    .trust-item{flex:0 0 100%;width:100%}
    .trust-item + .trust-item{margin-top:16px;padding-top:16px;border-top:1px solid var(--border)}
    .trust-number,.trust-label{white-space:normal}
}

/* ========= LEAD FORM DISCLAIMER ========= */
.lead-form-disclaimer{
    display:flex;
    align-items:flex-start;
    gap:8px;
    margin-top:14px;
    font-size:12px;
    line-height:1.55;
    color:var(--muted);
}
.lead-form-disclaimer i{
    flex-shrink:0;
    margin-top:2px;
    color:var(--secondary);
    font-size:12px;
}
.lead-form-disclaimer a{
    color:var(--primary);
    font-weight:700;
    text-decoration:underline;
}
.lead-form-disclaimer a:hover{color:var(--secondary)}

/* ========= BASIC UI ========= */
.stats-section{position:relative;z-index:2;margin-top:-38px;padding:30px 20px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.stat-item{text-align:center}.stat-number{display:block;color:var(--primary);font-size:34px;font-weight:900}.stat-label{color:var(--muted);font-size:13px;font-weight:700}
.icon-circle{width:52px;height:52px;display:flex;align-items:center;justify-content:center;border-radius:14px;background:#EDF5F4;color:var(--primary);font-size:22px;margin-bottom:15px}
.step-card{text-align:center}.step-circle{width:64px;height:64px;display:grid;place-items:center;margin:0 auto 15px;border-radius:50%;background:var(--gradient);color:#fff;font-size:22px;font-weight:900;box-shadow:var(--shadow-md)}
.step-arrow{color:#CBD5E1;font-size:26px}

/* ========= BUDGET / CATEGORIES / WHY CREDITKO ========= */
.category-section{background:#F2FBF6}
.category-card{min-height:82px;display:flex;align-items:center;gap:14px;padding:18px;background:#fff;border:1px solid #E3EEE8;border-radius:16px;color:var(--primary);box-shadow:var(--shadow-sm);transition:.25s}
.category-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.category-card span{width:40px;height:40px;display:grid;place-items:center;border-radius:12px;background:#E5F8EE;color:var(--secondary)}
.category-card strong{flex:1;font-size:14px}.category-card>i{color:#8DA29B}
.why-section{background:#F5F8F7}.why-card{height:100%;padding:30px 22px;background:#fff;border:1px solid #E5ECE9;border-radius:16px;text-align:center;transition:.25s}.why-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.why-icon{width:54px;height:54px;display:grid;place-items:center;margin:0 auto 16px;border-radius:50%;background:#D7FAE6;color:#20BE71;font-size:21px}.why-card h4{font-size:16px;margin-bottom:6px}.why-card p{margin:0;color:#7A8494;font-size:13px}
.budget-category-card{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-template-rows:auto auto;align-items:center;column-gap:16px;row-gap:3px;min-height:92px;padding:18px;background:#fff;border:1px solid #E3EEE8;border-radius:16px;color:var(--primary);box-shadow:var(--shadow-sm);transition:.25s}.budget-category-card strong{grid-column:1;grid-row:1;display:block;margin:0;color:#07513E;font-size:21px;line-height:1.15;font-weight:900;text-align:left}.budget-category-card span{grid-column:1;grid-row:2;display:block;margin:0;color:#4F595D;font-size:14px;line-height:1.25;text-align:left}.budget-category-card>i{grid-column:2;grid-row:1 / span 2;align-self:center;justify-self:end;display:grid;place-items:center;width:42px;height:42px;margin:0;border-radius:50%;background:#E3FBEA;color:#07513E;font-size:16px;transition:transform .25s ease,background .25s ease}.budget-category-card:hover>i{transform:translateX(4px);background:#D2F6DF}@media(max-width:576px){.budget-category-card{min-height:82px;padding:15px 13px;column-gap:9px;border-radius:14px;background:#fff;border:1px solid #E3EEE8;border-radius:16px;color:var(--primary);box-shadow:var(--shadow-sm);transition:.25s}.budget-category-card strong{font-size:17px}.budget-category-card span{font-size:12px}.budget-category-card>i{width:35px;height:35px;font-size:13px}}


/* ========= GENERIC LENDER CARD ========= */
.lender-card{position:relative;height:100%;padding:24px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);transition:.25s}
.lender-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.lender-card.featured{border:2px solid var(--secondary)}
.lender-logo{width:56px;height:56px;object-fit:contain;padding:6px;border-radius:12px;background:#fff}
.lender-meta-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0}.lender-meta-grid .label{color:var(--muted);font-size:11px;font-weight:800}.lender-meta-grid .value{font-size:14px;font-weight:900}.badge-featured,.featured-label{background:#14B46D;color:#fff;border-radius:999px;padding:5px 10px;font-size:11px;font-weight:900}.badge-featured{position:absolute;right:18px;top:-12px}
.rating-badge{display:inline-block;padding:5px 10px;border-radius:999px;background:rgba(255,255,255,.55);font-size:12px;font-weight:900}
.highlight-tag{display:inline-block;padding:4px 6px;border-radius:999px;background:#E7F8EF;color:#168B57;}

/* ========= CALCULATOR ========= */
.calculator-card{display:grid;grid-template-columns:1.15fr .85fr;gap:30px;padding:32px;background:#fff;border-radius:24px;box-shadow:var(--shadow-md)}
.calculator-controls output{float:right;padding:7px 12px;border-radius:6px;background:#E8FAF1;color:#13AA68;font-weight:900}
.calculator-controls input[type=range]{width:100%;height:9px;appearance:none;border-radius:999px;background:#E5E7EB;outline:0;accent-color:var(--secondary)}
.calculator-controls input[type=range]::-webkit-slider-thumb{appearance:none;width:22px;height:22px;border:3px solid var(--secondary);border-radius:50%;background:#fff;box-shadow:0 2px 8px rgba(0,0,0,.12)}
.calculator-controls input[type=range]::-moz-range-thumb{width:18px;height:18px;border:3px solid var(--secondary);border-radius:50%;background:#fff}.range-labels{display:flex;justify-content:space-between;color:#9AA3AF;font-size:12px}.calculator-result{padding:26px;border-radius:20px;background:#F7F9FC}.calculator-result h4{font-size:16px}.calc-main{display:flex;justify-content:space-between;align-items:center;padding:18px 0;border-bottom:1px solid var(--border)}.calc-main span,.calc-row span{color:#778091}.calc-main strong{font-size:25px;color:#EF7E21}.calc-row{display:flex;justify-content:space-between;padding:11px 0}
.calculator-controls .form-label{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
}
.calc-text-output,
.calc-number-output{
  width:126px;
  min-height:42px;
  padding:7px 12px;
  border:1px solid transparent;
  border-radius:8px;
  background:#E8FAF1;
  color:#13AA68;
  font-weight:900;
  font-size:16px;
  text-align:right;
  outline:0;
}
.calc-text-output:focus,
.calc-number-output:focus{
  border-color:var(--secondary);
  background:#fff;
  box-shadow:0 0 0 3px rgba(24,179,104,.12);
}
.calc-number-output-wrap{
  display:inline-flex;
  align-items:center;
  gap:3px;
  padding-right:10px;
  border-radius:8px;
  background:#E8FAF1;
  color:#13AA68;
  font-weight:900;
}
.calc-number-output-wrap .calc-number-output{
  width:74px;
  padding-right:2px;
  background:transparent;
}
.calc-number-output-wrap > span{
  font-size:14px;
  white-space:nowrap;
}
.calc-tenure-output-wrap .calc-number-output{width:58px;}

/* =========================================================
   CREDITKO FAQ
   ========================================================= */

.ck-faq {
    background: #F8FAFC;
    padding: 78px 0;
}

.ck-faq-inner {
    max-width: 820px;
    margin: 0 auto;
}

.ck-faq-title-wrap {
    margin-bottom: 42px;
}

.ck-faq-title-wrap h2 {
    font-size: 34px;
    margin: 5px 0 10px;
}

.ck-faq-title-wrap p {
    max-width: 650px;
    margin: 0 auto;
    color: var(--muted);
}

.ck-faq-group {
    margin: 32px 0 12px;
    color: var(--secondary);
    font-size: 15px;
    font-weight: 800;
    letter-spacing: 0;
}

.ck-faq-item {
    margin-bottom: 12px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    transition:
        border-color .25s ease,
        box-shadow .25s ease,
        transform .25s ease;
}

.ck-faq-item:hover {
    border-color: #D5E5DE;
    box-shadow: var(--shadow-md);
}

.ck-faq-item[open] {
    border-color: rgba(24,179,104,.35);
    box-shadow: var(--shadow-md);
}

.ck-faq-item summary {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    min-height: 68px;
    padding: 20px 22px;
    cursor: pointer;
    list-style: none;
    color: var(--primary);
    font-size: 15px;
    line-height: 1.45;
    font-weight: 800;
    user-select: none;
}

.ck-faq-item summary::-webkit-details-marker {
    display: none;
}

.ck-faq-item summary:focus-visible {
    outline: 3px solid rgba(24,179,104,.25);
    outline-offset: -3px;
}

.ck-faq-item summary > span:first-child {
    flex: 1;
    min-width: 0;
}

.ck-faq-icon {
    position: relative;
    flex: 0 0 34px;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: #E8F7EF;
    color: var(--primary);
    transition:
        background .25s ease,
        transform .25s ease;
}

.ck-faq-icon::before,
.ck-faq-icon::after {
    content: "";
    position: absolute;
    left: 50%;
    top: 50%;
    width: 13px;
    height: 2px;
    border-radius: 2px;
    background: currentColor;
    transform: translate(-50%, -50%);
    transition:
        transform .25s ease,
        opacity .25s ease;
}

.ck-faq-icon::after {
    transform: translate(-50%, -50%) rotate(90deg);
}

.ck-faq-item[open] .ck-faq-icon {
    background: var(--secondary);
    color: #fff;
    transform: rotate(180deg);
}

.ck-faq-item[open] .ck-faq-icon::after {
    opacity: 0;
    transform: translate(-50%, -50%) rotate(90deg);
}

.ck-faq-answer {
    padding: 0 22px 22px;
}

.ck-faq-answer p {
    max-width: 70ch;
    margin: 0;
    color: var(--muted);
    font-size: 14px;
    line-height: 1.75;
}


/* =========================================================
   FAQ RESPONSIVE
   ========================================================= */

@media (max-width: 767px) {

    .ck-faq {
        padding: 58px 0;
    }

    .ck-faq-inner {
        max-width: none;
    }

    .ck-faq-title-wrap {
        margin-bottom: 34px;
    }

    .ck-faq-title-wrap h2 {
        font-size: 28px;
    }

    .ck-faq-group {
        margin-top: 26px;
        font-size: 14px;
    }

    .ck-faq-item {
        margin-bottom: 10px;
        border-radius: 14px;
    }

    .ck-faq-item summary {
        min-height: 62px;
        padding: 16px 17px;
        gap: 12px;
        font-size: 14px;
    }

    .ck-faq-icon {
        flex-basis: 30px;
        width: 30px;
        height: 30px;
    }

    .ck-faq-icon::before,
    .ck-faq-icon::after {
        width: 11px;
    }

    .ck-faq-answer {
        padding: 0 17px 18px;
    }

    .ck-faq-answer p {
        font-size: 13px;
        line-height: 1.7;
    }
}

@media (prefers-reduced-motion: reduce) {

    .ck-faq-item,
    .ck-faq-icon,
    .ck-faq-icon::before,
    .ck-faq-icon::after {
        transition: none;
    }
}

/* ========= AUTH ========= */
.auth-wrapper{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:40px 16px;background:var(--background)}
.auth-card{width:100%;max-width:480px;padding:40px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-lg)}
.form-label{display:block;margin-bottom:6px;color:var(--text);font-size:13px;font-weight:900}.form-control,.form-select{width:100%;min-height:46px;padding:11px 13px;border:1.5px solid var(--border);border-radius:10px;background:#fff;color:var(--text)}.form-control:focus,.form-select:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(18,50,111,.08);outline:0}.form-control.is-invalid,.form-select.is-invalid{border-color:#DC2626}.invalid-feedback{display:block;color:#DC2626;font-size:12px;margin-top:4px}
.otp-inputs{display:flex;justify-content:center;gap:10px;margin:24px 0}.otp-inputs input{width:48px;height:56px;text-align:center;border:1.5px solid var(--border);border-radius:10px;font-size:22px;font-weight:900}.otp-inputs input:focus{border-color:var(--primary);outline:0}

/* ========= PERSONAL DETAILS + PAN ========= */
.split-layout{display:flex;min-height:100vh}.split-left{flex:1;display:flex;align-items:center;justify-content:center;min-height:100vh;padding:40px 24px;text-align:center;background:linear-gradient(135deg,#0B1F45,#12326F 60%,#18B368)}.split-left>div{width:100%;max-width:420px}.split-right{flex:1;display:flex;align-items:center;justify-content:center;padding:40px;background:#fff}.split-form-inner{width:100%;max-width:480px}
.pan-card{position:relative;width:380px;max-width:100%;aspect-ratio:1.586/1;padding:22px 24px;overflow:hidden;border-radius:18px;background:linear-gradient(135deg,#F8FAFC,#E5E7EB);color:#1F2937;box-shadow:0 24px 60px rgba(0,0,0,.35);transform:perspective(800px) rotateY(-6deg) rotateX(2deg);transition:transform .4s;margin:0 auto 24px;display:flex;flex-direction:column}.pan-card:hover{transform:perspective(800px) rotateY(0) rotateX(0)}.pan-card:before{content:'';position:absolute;top:-40px;right:-40px;width:160px;height:160px;border-radius:50%;background:var(--gradient);opacity:.12}.pan-header{display:flex;justify-content:space-between;margin-bottom:14px}.pan-header .govt{font-size:10px;font-weight:800;color:#6B7280}.pan-header .title{font-size:13px;font-weight:900;color:var(--primary)}.pan-body{display:flex;justify-content:space-between;gap:16px;flex:1}.pan-main-col{display:flex;flex-direction:column;justify-content:space-between;flex:1;min-width:0}.pan-row-two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.pan-photo-col{display:flex;flex-direction:column;align-items:center;flex-shrink:0;width:90px}.pan-photo{width:64px;height:76px;display:flex;align-items:center;justify-content:center;margin-bottom:10px;border-radius:6px;background:#D1D5DB;color:#9CA3AF;font-size:28px}.pan-field{margin-bottom:10px}.pan-field .f-label{color:#6B7280;font-size:9px;font-weight:800;letter-spacing:.05em}.pan-field .f-value{min-height:20px;overflow:hidden;color:var(--text);font-size:14px;font-weight:900;text-overflow:ellipsis;white-space:nowrap}.pan-number{color:var(--primary);font-family:'Courier New',monospace;font-size:13px;font-weight:900;letter-spacing:1px;text-align:center;word-break:break-all}.pan-caption{max-width:340px;margin:auto;color:rgba(255,255,255,.85);font-size:14px}

/* ========= LOADING ========= */
.loading-overlay{position:fixed;inset:0;z-index:2000;display:flex;flex-direction:column;align-items:center;justify-content:center;background:rgba(248,250,252,.97)}.loader-ring{width:64px;height:64px;margin-bottom:20px;border:5px solid var(--border);border-top-color:var(--secondary);border-radius:50%;animation:spin .9s linear infinite}.loading-text{color:var(--primary);font-size:17px;font-weight:900}@keyframes spin{to{transform:rotate(360deg)}}

/* ========= LENDER COMPARISON (REFERENCE-LIKE) ========= */
.comparison-page{background:#F6F6F4}.comparison-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:8px;}.comparison-heading h2{margin:6px 0 8px}.profile-summary{display:flex;flex-wrap:wrap;gap:12px;padding:14px 18px;background:#fff;border:1px solid var(--border);border-radius:14px;color:#6B7280}
.loan-card{position:relative;height:100%;min-height:420px;perspective:1200px}
.loan-card-front,.loan-card-back{position:absolute;inset:0;display:flex;flex-direction:column;overflow:hidden;border:1px solid #E0E4E1;border-radius:16px;background:#fff;backface-visibility:hidden;box-shadow:0 2px 8px rgba(0,0,0,.08);transition:transform .55s ease}
.loan-card-front{transform:rotateY(0);padding-bottom:14px}
.loan-card-back{transform:rotateY(180deg);padding:24px;color:#fff}
.loan-card.is-flipped .loan-card-front{transform:rotateY(-180deg)}
.loan-card.is-flipped .loan-card-back{transform:rotateY(0)}
.loan-card-hero{position:relative;height:200px;flex:0 0 200px;overflow:visible;border-radius:16px 16px 0 0}
.loan-hero-svg{display:block;width:100%;height:190px}
.loan-more-details{position:absolute;z-index:5;left:14px;bottom:-13px;display:flex;align-items:center;gap:7px;height:30px;padding:3px 12px 3px 5px;border:1.5px solid currentColor;border-radius:18px;background:#fff;color:#1F2937;font-size:12px;font-weight:800;cursor:pointer;box-shadow:0 2px 6px rgba(0,0,0,.12)}
.loan-plus{width:20px;height:20px;display:grid;place-items:center;border-radius:50%;color:#fff;font-size:17px;line-height:1}
.loan-card-title{margin:22px 14px 0;font-size:18px;line-height:1.2;font-weight:900}
.loan-card-details{padding:0 14px;color:#1F2937;font-size:13px;line-height:1.5}
.loan-card-details>div{margin-bottom:8px}
.loan-label{font-weight:900}
.loan-benefit{margin-top:8px}
.loan-cta{display:flex;align-items:center;justify-content:center;gap:8px;margin:auto 14px 0;padding:13px 14px;border-radius:18px;color:#fff!important;font-size:14px;font-weight:900;text-decoration:none}
.loan-cta:hover{color:#fff!important;filter:brightness(1.08);transform:translateY(-1px)}
.loan-card-back h2{margin:0 42px 2px 0;color:#fff;font-size:22px}.loan-card-back>p{margin:0 0 22px;color:rgba(255,255,255,.8);font-size:13px}
.loan-close{position:absolute;z-index:20;top:14px;right:14px;width:34px;height:34px;display:grid;place-items:center;border:0;border-radius:50%;background:#fff;color:#1F2937;font-size:27px;line-height:1;box-shadow:0 2px 7px rgba(0,0,0,.22);cursor:pointer}
.loan-back-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.loan-back-grid>div{padding:8px;border-radius:10px;background:rgba(255,255,255,.17)}.loan-back-grid span{display:block;color:rgba(255,255,255,.72);font-size:11px}.loan-back-grid b{display:block;margin-top:3px;color:#fff;font-size:13px}
.loan-back-highlights{display:flex;flex-wrap:wrap;gap:2px;align-items: center;}.loan-back-highlights span{font-size:11px}.loan-cta-light{margin-top:auto;background:#fff!important;color:#12326F!important}.loan-cta-light:hover{color:#12326F!important}
@media(max-width:767px){.loan-card{min-height:400px}.loan-card-hero,.loan-hero-svg{height:180px}.loan-card-hero{flex-basis:180px}.loan-card-title{font-size:17px}.loan-card-details{font-size:12px}.loan-cta{font-size:13px}}


/* ========= FOOTER ========= */
.footer-creditko{margin-top:auto;padding:60px 0 24px;background:#0B1F45;color:#CBD5E1}.footer-creditko h5{color:#fff;font-size:17px}.footer-creditko a{display:block;margin-bottom:10px;color:#94A3B8;font-size:14px}.footer-creditko a:hover{color:var(--secondary)}.footer-creditko a img{filter:brightness(0) invert(1); } .footer-bottom{margin-top:30px;padding-top:20px;border-top:1px solid rgba(255,255,255,.1);color:#64748B;font-size:13px}.footer-creditko .social-icon{display:inline-flex!important;align-items:center;justify-content:center;width:38px;height:38px;margin:0 8px 0 0;border-radius:50%;background:rgba(255,255,255,.08);color:#CBD5E1}.footer-creditko .social-icon:hover{background:var(--secondary);color:#fff}.social-icon svg{display:block}

/* ========= ADMIN ========= */
.admin-wrapper{display:flex;min-height:100vh}.admin-sidebar{width:270px;position:fixed;inset:0 auto 0 0;z-index:100;overflow-y:auto;background:#0B1F45;color:#CBD5E1}.admin-main{flex:1;margin-left:270px;padding:28px}.admin-brand{padding:24px 22px 10px;color:#fff;font-size:22px;font-weight:900}.admin-brand span{color:var(--secondary)}.admin-sub{padding:0 22px 18px;color:#64748B;font-size:12px}.admin-nav a{display:flex;align-items:center;gap:10px;padding:12px 22px;border-left:3px solid transparent;color:#94A3B8;font-size:14px;font-weight:700}.admin-nav a:hover,.admin-nav a.active{border-left-color:var(--secondary);background:rgba(255,255,255,.07);color:#fff}.admin-group{padding:12px 22px 6px;color:#64748B;font-size:11px;font-weight:900;letter-spacing:.06em;text-transform:uppercase}.admin-topbar{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:22px}.stat-card{padding:22px;border:1px solid var(--border);border-radius:16px;background:#fff;box-shadow:var(--shadow-sm)}.stat-card .num{color:var(--primary);font-size:28px;font-weight:900}.stat-card .lbl{color:var(--muted);font-size:13px;font-weight:700}.table-admin th{border-bottom:2px solid var(--border);color:#6B7280;font-size:12px;text-transform:uppercase}.table-admin td{vertical-align:middle;font-size:14px}.status-pill{padding:4px 12px;border-radius:20px;font-size:12px;font-weight:800}.status-active{background:#DCFCE7;color:#166534}.status-inactive{background:#FEE2E2;color:#991B1B}

/* ========= RESPONSIVE ========= */
@media(max-width:991px){.hero h1{font-size:40px}.split-layout{flex-direction:column}.split-left{min-height:380px}.pan-card{width:320px}.admin-sidebar{width:235px}.admin-main{margin-left:235px;padding:18px}}
@media(max-width:767px){.container-xl{padding:0 16px}.section{padding:58px 0}.hero{padding:58px 0}.hero h1{font-size:35px}.subheading{font-size:15px}.calculator-card{grid-template-columns:1fr;padding:20px}.comparison-heading{flex-direction:column;align-items:stretch}.offer-card-wrap{min-height:630px}.offer-name{font-size:17px}.approval-ring{width:132px;height:132px}.approval-ring-inner strong{font-size:28px}.footer-creditko .col-md-4{margin-bottom:12px}.admin-sidebar{position:relative;width:100%;inset:auto}.admin-wrapper{display:block}.admin-main{margin:0;padding:16px}}
@media(max-width:400px){.auth-card{padding:24px}.otp-inputs{gap:6px}.otp-inputs input{width:40px;height:48px}.pan-card{width:280px;padding:16px 18px}.pan-photo-col{width:60px}.pan-photo{width:48px;height:58px;font-size:20px}}

.loan-card-hero {
  position: relative;
}
.loan-lender-logo-wrap {
  position: absolute;
  z-index: 3;
  top: 9px;
  right: 12px;
  width: 62px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 3px 5px;
  overflow: hidden;
  border-radius: 8px;
  background: rgba(255,255,255,.97);
  box-shadow: 0 2px 7px rgba(0,0,0,.16);
  pointer-events: none;
}
.loan-lender-logo-wrap img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.personal-loan-form {
  width: 100%;
  max-width: 460px;
  justify-self: end;
  margin: 0;
  padding: 30px;
  border: 1px solid #e4e8ef;
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 24px 60px rgba(4, 15, 35, .30);
}

.personal-loan-rate {
  margin-bottom: 21px;
  color: #173d35;
  font-size: 20px;
  line-height: 1.3;
  font-weight: 900;
  text-align: center;
}

.personal-loan-rate strong {
  color: #18B368;
}

.personal-loan-phone {
  display: flex;
  width: 100%;
  height: 57px;
  overflow: hidden;
  border: 1px solid #d8dfdb;
  border-radius: 11px;
  background: #fff;
}

.personal-loan-phone > span {
  display: flex;
  align-items: center;
  padding: 0 17px;
  border-right: 1px solid #d8dfdb;
  background: #f5f7f6;
  color: #203d35;
  font-size: 17px;
  font-weight: 900;
}

.personal-loan-phone input {
  width: 100%;
  min-width: 0;
  padding: 0 17px;
  border: 0;
  outline: 0;
  color: var(--text);
  font-size: 20px;
  letter-spacing: .6px;
}

.personal-loan-phone input::placeholder {
  color: #a5aaa8;
  opacity: 1;
}

.personal-loan-consent {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin: 16px 0 0 !important;
}

.personal-loan-consent .form-check-input {
  flex: 0 0 auto;
  width: 22px;
  height: 22px;
  margin-top: 1px;
}

.personal-loan-consent label {
  color: #707975;
  font-size: 11px;
  line-height: 1.48;
}

.personal-loan-consent a {
  color: var(--primary);
  font-weight: 800;
  text-decoration: underline;
}

.personal-loan-submit {
  min-height: 51px;
  margin-top: 18px;
  font-size: 16px;
}

.personal-loan-credit-note {
  margin-top: 14px;
  color: #7c8581;
  font-size: 11px;
  text-align: center;
}

.personal-loan-disclaimer {
  display: flex;
  justify-content: center;
}
/* Tablet */
@media (max-width: 991px) {
  .personal-loan-form {
    justify-self: center;
    max-width: 520px;
  }
  .hero {
      padding: 10px 0;
  }
  .hero div .row {
    flex-direction: column-reverse;
  }
}

/* Mobile */
@media (max-width: 767px) {
  .personal-loan-form {
    padding: 22px 16px 18px;
    border-radius: 16px;
  }

  .personal-loan-rate {
    margin-bottom: 16px;
    font-size: 16px;
    line-height: 1.35;
  }

  .personal-loan-phone {
    height: 52px;
    border-radius: 9px;
  }

  .personal-loan-phone > span {
    padding: 0 14px;
    font-size: 15px;
  }

  .personal-loan-phone input {
    padding: 0 14px;
    font-size: 18px;
  }

  .personal-loan-consent {
    gap: 8px;
    margin-top: 14px !important;
  }

  .personal-loan-consent .form-check-input {
    width: 22px;
    height: 22px;
  }

  .personal-loan-consent label {
    font-size: 10px;
    line-height: 1.4;
  }

  .personal-loan-submit {
    min-height: 47px;
    margin-top: 15px;
    border-radius: 10px;
    font-size: 15px;
  }

  .personal-loan-credit-note {
    margin-top: 13px;
    font-size: 11px;
  }
}

.loan-hero-svg {
    display: block;
    width: 100%;
    height: 190px;
    overflow: visible;
}

@media (max-width: 767px) {
    .loan-hero-svg {
        height: 190px;
        overflow: visible;
    }

    .loan-card-hero {
        height: 200px;
        flex-basis: 200px;
        overflow: visible;
    }
}

/* Unsupported lender group: heading and cards share one grey panel. */
.pincode-unsupported-wrap {
    margin-top: 32px;
    padding: 26px;
    border-radius: 18px;
    background: #dadada;
}

.pincode-unsupported-section {
    display: flex;
    align-items: center;
    gap: 16px;
    margin: 0 0 20px;
    padding: 0 0 18px;
    border-bottom: 1px solid #b8b8b8;
}

.pincode-unsupported-section:before {
    content: '';
    width: 5px;
    height: 38px;
    border-radius: 999px;
    background: #8b95a5;
    flex: 0 0 5px;
}

.pincode-unsupported-section h3 {
    margin: 0;
    color: #173b78;
    font-size: 22px;
    font-weight: 800;
}

.pincode-unsupported-section p {
    margin: 4px 0 0;
    color: #374151;
    font-size: 14px;
}

/* Unsupported cards keep the lender-coloured hero and use a consistent 450px height. */
.loan-card.is-pincode-unsupported {
    height: 450px !important;
    min-height: 450px !important;
    filter: none;
    opacity: 1;
}

.loan-card.is-pincode-unsupported .loan-card-front {
    height: 460px;
}

.loan-card.is-pincode-unsupported .loan-more-details {
    cursor: pointer;
    pointer-events: auto;
}

/* Red unsupported notice aligned to the card content. */
.pincode-unsupported-note {
    box-sizing: border-box;
    width: calc(100% - 28px);
    min-height: 42px;
    display: flex;
    align-items: center;
    gap: 8px;
    margin: 8px 14px;
    padding: 10px 12px;
    border: 1px solid #f5a6a6;
    border-radius: 10px;
    background: #fff1f2;
    color: #c52222;
    font-size: 13px;
    font-weight: 800;
    line-height: 1.35;
}

.pincode-unsupported-note i {
    flex: 0 0 auto;
    color: #dc2626;
}

/* Disabled CTA aligned with the enabled CTA position and width. */
.loan-card.is-pincode-unsupported .loan-cta-disabled {
    box-sizing: border-box;
    width: calc(100% - 28px);
    min-height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: auto 14px 14px;
    padding: 12px 14px;
    border: 1px solid #b8c2d2;
    border-radius: 14px;
    background: #e4e7ec !important;
    color: #64748b !important;
    cursor: not-allowed;
    pointer-events: none;
    text-align: center;
    line-height: 1.35;
}

.loan-card.is-pincode-unsupported .loan-card-back .loan-cta-disabled {
    margin-top: auto;
    margin-bottom: 0;
    background: #e4e7ec !important;
    color: #64748b !important;
}

/* Tighter flip-card detail tiles, if not already present in style.css. */
.loan-back-grid > div {
    padding: 8px;
}

@media (max-width: 767px) {
    .pincode-unsupported-wrap {
        padding: 16px;
        border-radius: 14px;
    }

    .pincode-unsupported-section h3 {
        font-size: 19px;
    }

    .loan-card.is-pincode-unsupported {
        height: 450px !important;
        min-height: 450px !important;
    }
}




/* ========= ADMIN TABLES + SHARED PAGINATION ========= */
.admin-table-wrap { width:100%; overflow-x:auto; }
.admin-table-wrap table { min-width: 1050px; margin-bottom:0; }
.admin-pagination-nav { width:100%; overflow-x:auto; padding:4px 0 2px; }
.admin-pagination { display:flex; flex-wrap:nowrap; align-items:center; justify-content:center; gap:4px; margin:0; padding:0 4px 4px; min-width:max-content; }
.admin-pagination .page-item { flex:0 0 auto; }
.admin-pagination .page-link { display:flex; align-items:center; justify-content:center; min-width:32px; height:32px; padding:4px 9px; border-radius:7px; border:1px solid var(--border); color:var(--primary); background:#fff; font-size:12px; line-height:1; box-shadow:none; }
.admin-pagination .page-item.active .page-link { color:#fff; background:var(--primary); border-color:var(--primary); }
.admin-pagination .page-item.disabled .page-link { color:#9CA3AF; background:#F8FAFC; pointer-events:none; }
.admin-pagination .page-link:hover { background:#EAF0FA; border-color:#C7D5ED; color:var(--primary); }
.admin-pagination .page-item.active .page-link:hover { background:var(--primary); color:#fff; }
.user-name-link { padding:0; border:0; background:transparent; color:var(--primary); font-weight:800; text-align:left; text-decoration:underline; text-decoration-color:rgba(18,50,111,.25); text-underline-offset:3px; }
.user-name-link:hover { color:var(--secondary); }
.user-detail-item { height:100%; padding:12px 14px; border:1px solid var(--border); border-radius:10px; background:#F8FAFC; overflow-wrap:anywhere; }
.user-detail-label { margin-bottom:4px; color:var(--muted); font-size:11px; font-weight:800; text-transform:uppercase; letter-spacing:.04em; }
.user-detail-value { color:var(--text); font-size:14px; font-weight:700; }
@media(max-width:768px) { .admin-pagination { justify-content:flex-start; } }
/* Apply compact, scroll-safe pagination styling to all admin pages. */
.admin-main nav:has(.pagination) { max-width:100%; overflow-x:auto; }
.admin-main .pagination { display:flex; flex-wrap:nowrap; gap:4px; justify-content:center; min-width:max-content; margin-bottom:0; padding:3px 4px 5px; }
.admin-main .pagination .page-item { flex:0 0 auto; }
.admin-main .pagination .page-link { min-width:30px; height:32px; display:flex; align-items:center; justify-content:center; padding:4px 8px; border-radius:7px; font-size:12px; line-height:1; box-shadow:none; }