body { font-family: 'Arial', sans-serif; line-height: 1.6; color: #333; }

h1,h2,h3,h4,h5 { font-weight: 600; color: #0a1f44; }

.accent-color { color: #0a1f44; }

a { text-decoration: none; color: inherit; }

/* HERO SECTION */

#home{
width:100%;
overflow:hidden;
}

.slick-carousel{
height:90vh;
}

/* SLIDE */

.carousel-slide{
height:90vh;
width:100%;

display:flex;
align-items:center;
justify-content:center;

position:relative;

background-position:center center; 
background-repeat:no-repeat; 
}

/* overlay */

.carousel-slide::before{
content:"";
position:absolute;
top:0;
left:0;
width:100%;
height:100%;
background:rgba(0,0,0,0.5);
z-index:1;
}

/* content */

.hero-content{
position:relative;
z-index:2;
text-align:center;
padding: 20px;
display: flex;
max-width:900px;
align-items: center;
justify-content: center;
}

/* fix slick height */

.slick-list,
.slick-track{
height:100%;
}

.slick-slide{
height:100vh;
}

/* Hero text */
.hero-content h1 {
  font-size: 3rem;
  font-weight: 700;
  margin-bottom: 15px;
  color: #fff;
  animation: fadeIn 1.5s ease-in-out;
}

.hero-content h5 {
  font-size: 1.5rem;
  font-weight: 500;
  margin-bottom: 15px;
  color: #fff;
}

.hero-trust, .hero-sub, .hero-content p {
  font-size: 1.2rem;
  margin-bottom: 20px;
  color: #fff;
}

/* Buttons */
.hero-actions .btn {
  margin: 8px;
  padding: 12px 28px;
  font-size: 1rem;
  border-radius: 50px;
  transition: all 0.3s ease;
}

.hero-actions .btn-primary {
  background-color: #007bff;
  border: none;
  color: #fff;
}

.hero-actions .btn-primary:hover {
  background-color: #0056b3;
}

.hero-actions .btn-outline-light {
  border: 2px solid #fff;
  color: #fff;
  background: transparent;
}

.hero-actions .btn-outline-light:hover {
  color: #081a36;
  background-color: #fff;
}

/* Responsive */
@media (max-width: 1280px) {
  .hero-content h1 { font-size: 2.8rem; }
  .hero-content h5 { font-size: 1.15rem; }
}

@media (max-width: 1024px) {
  .hero-content h1 { font-size: 2.4rem; }
  .hero-content h5 { font-size: 1.1rem; }
}

@media (max-width: 768px) {
  .carousel-slide { min-height: 80vh; }
  .hero-content h1 { font-size: 2rem; }
  .hero-content h5 { font-size: 1rem; }
  .hero-trust, .hero-sub { font-size: 0.9rem; }
  .hero-actions { justify-content: center; flex-wrap: wrap; gap: 10px; }
}

@media (max-width: 480px) {
  .carousel-slide { min-height: 70vh; }
  .hero-content h1 { font-size: 1.6rem; }
  .hero-content h5 { font-size: 0.9rem; }
  .hero-trust, .hero-sub { font-size: 0.85rem; }
  .hero-actions .btn { padding: 10px 20px; font-size: 0.9rem; }
}

/* Fade-in animation */
@keyframes fadeIn {
  0% { opacity: 0; transform: translateY(20px); }
  100% { opacity: 1; transform: translateY(0); }
}

.section-gap {
  padding: 80px 0;
}

.bg{
  background: #e1ecff;
}

@media (max-width: 768px) {
  .section-gap {
    padding: 50px 0;
  }
}
/* Eligibility & Documentation Section */

.eligibility-docs {
  background: #ffffff;
}

/* Toggle buttons */
.toggle-wrapper {
  display: flex;
  justify-content: center;
  gap: 15px;
  margin-bottom: 40px;
}

.toggle-btn {
  padding: 12px 28px;
  border-radius: 30px;
  border: 2px solid #0a1f44;
  background: transparent;
  color: #0a1f44;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
}

.toggle-btn.active {
  background: #0a1f44;
  color: #fff;
}

/* Content container */
.toggle-content {
  max-width: 900px;
  margin: auto;
  background: #e1ecff;
  border-radius: 16px;
  padding: 40px;
}

/* Individual content */
.content-box {
  display: none;
}

.content-box.show {
  display: block;
}

/* List styling */
.info-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.info-list li {
  padding-left: 32px;
  margin-bottom: 18px;
  position: relative;
  font-size: 16px;
}

.info-list li::before {
  content: "✔";
  position: absolute;
  left: 0;
  top: 0;
  color: #0a1f44;
  font-weight: bold;
}

/* Features Section */

.features {
  padding: 80px 0;
  background: #e1ecff;
}

/* Swiper spacing */
.features-swiper {
  padding: 20px 10px 60px;
}

/* Same card height */
.swiper-slide {
  height: auto;
  display: flex;
}

.feature-card {
  width: 100%;
  height: 100%;
}

/* Navigation arrows */
.swiper-button-next,
.swiper-button-prev {
  color: #0a1f44;
}

.swiper-slide-active .feature-card {
  box-shadow: 0 20px 40px rgba(10, 31, 68, 0.15);
}

/* Slick arrows positioning */
.features-slider .slick-prev,
.features-slider .slick-next {
  width: 44px;
  height: 44px;
  z-index: 2;
}

/* Move LEFT arrow outward */
.features-slider .slick-prev {
  left: -55px;   /* ⬅ adjust this value */
}

/* Move RIGHT arrow outward */
.features-slider .slick-next {
  right: -55px;  /* ➡ adjust this value */
}

/* Feature card base */
.feature-card {
  border: 2px solid transparent;
  border-radius: 14px;
  background: #fff;
  transition:
    transform 0.3s ease,
    box-shadow 0.3s ease,
    border-color 0.3s ease;
}

/* Hover effect */
.feature-card:hover {
  border-color: #0a1f44; /* Navy blue */
  box-shadow:
    0 0 0 4px rgba(10, 31, 68, 0.08),
    0 14px 35px rgba(10, 31, 68, 0.25);
  transform: translateY(-6px);
}

/* Ensure full card is hoverable inside slick */
.slick-slide > div {
  height: 100%;
}

.slick-slide {
  padding: 10px;
}

.feature-card i {
  font-size: 2.4rem;
  color: #0a1f44;
  transition: transform 0.3s ease;
}

.feature-card:hover i {
  transform: scale(1.15);
}

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s ease, transform 0.8s ease;
  will-change: transform, opacity;
}

/* When visible */
.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

#backToTop {
  display: none; /* Hidden by default */
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 99;
  font-size: 18px;
  border: none;
  outline: none;
  background-color: #0a1f44;
  color: white;
  cursor: pointer;
  padding: 10px 16px;
  border-radius: 50%;
  transition: background-color 0.3s;
}

#backToTop:hover {
  background-color: #555;
}


/* Optional stagger delays */
.delay-1 { transition-delay: 0.15s; }
.delay-2 { transition-delay: 0.3s; }
.delay-3 { transition-delay: 0.45s; }
.delay-4 { transition-delay: 0.6s; }
.delay-5 { transition-delay: 0.75s; }

.loan-types {
  padding: 80px 0;
  background: #ffffff;
  text-align: center;
}

.loan-type-card {
  background: #fff;
  border-radius: 14px;
  padding: 30px;
  height: 100%;
  transition: all 0.35s ease;
  box-shadow: 0 10px 25px rgba(0,0,0,0.05);
}

.loan-type-card i {
  font-size: 2.5rem;
  color: #0a1f44;
  margin-bottom: 15px;
}

.loan-type-card:hover {
  transform: translateY(-8px) scale(1.03);
  box-shadow: 0 20px 40px rgba(10,31,68,0.2);
}

/* EMI CALCULATION */

.calculator-toggle button {
    border: none;
    background: none;
    font-weight: 600;
    padding: 10px 20px;
    font-size: 1rem;
    cursor: pointer;
    color: #555;
    border-bottom: 3px solid transparent;
    transition: 0.3s;
}

.calculator-toggle button.active {
    color: #0a1f44;
    border-bottom: 3px solid #0a1f44;
}

.calculator { display: none; }

.calculator.active { display: block; }

.emi-section {
    padding: 60px 0;
    background-color: #e1ecff;
    font-family: 'Arial', sans-serif;
    color: #333;
}

.emi-section h2 {
    font-weight: 600;
    font-size: 2rem;
    color: #1b1b1b;
}

.emi-section p {
    font-size: 0.95rem;
    color: #555;
}

.card {
    background: #fff;
    border-radius: 12px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.05);
}

.form-range {
    width: 100%;
    height: 8px;
    border-radius: 5px;
    background: #e1e1e1;
}

.form-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background:  #0a1f44;
    cursor: pointer;
    border: 2px solid #fff;
    margin-top: -6px;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}

.form-range::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background:  #0a1f44;
    border: 2px solid #fff;
    cursor: pointer;
}

.form-range::-ms-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background:  #0a1f44;
    border: 2px solid #fff;
    cursor: pointer;
}

.result {
    background: #fafafa;
    border-radius: 10px;
    font-size: 1.2rem;
    color: #1b1b1b;
}

.result h4 {
    font-weight: 600;
    color:  #0a1f44;
    margin-bottom: 0.5rem;
}

.result p {
    font-size: 1rem;
    color: #555;
}

canvas#emiChart {
    background: #fff;
    border-radius: 5%;
    box-shadow: 0 4px 12px rgba(0,0,0,0.05);
    padding: 20px;
}

.d-flex.justify-content-between span {
    font-size: 0.85rem;
    color: #777;
}

/* Mobile adjustments for EMI Calculator */
@media (max-width: 768px) {
  /* Add spacing between the sliders form and the chart */
  #home-loan-calculators .row {
    flex-direction: column; /* Stack sliders and chart */
    gap: 30px;              /* Space between form and chart */
  }

  /* Slightly smaller chart to fit nicely */
  #home-loan-calculators canvas#emiChart {
    max-width: 350px;   /* Increased width */
    max-height: 350px;  /* Increased height */
    width: 90%;         /* Ensure it scales with screen */
    height: auto;       /* Maintain aspect ratio */
    margin: 0 auto;
    padding: 5px;
  }
}

/* Interest Rates Section */

.interest-section {
  padding: 80px 0;
  background: #e1ecff;
}

.section-subtitle {
  font-size: 0.95rem;
  color: #555;
}

/* White highlighted card */
.highlight-card {
  background: #ffffff;
  border-radius: 16px;
  padding: 30px;
  height: 100%;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.06);
  border: 1px solid #eef2f7;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.highlight-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 14px 35px rgba(10, 31, 68, 0.18);
}

/* Headings */
.highlight-card h5 {
  font-weight: 600;
  color: #0a1f44;
  margin-bottom: 15px;
}

/* List styling */
.highlight-card ul {
  padding-left: 18px;
  margin-bottom: 10px;
}

.highlight-card ul li {
  margin-bottom: 10px;
  font-size: 0.95rem;
  color: #444;
}

/* Notes */
.highlight-card .note {
  font-size: 0.85rem;
  color: #666;
  margin-top: 12px;
}

/* Highlighted trust note */
.highlight-card .note.highlight {
  background: #f1f6ff;
  padding: 12px 14px;
  border-left: 4px solid #0a1f44;
  border-radius: 6px;
  color: #0a1f44;
  font-weight: 500;
}

/* Icons */
.highlight-card i {
  color: #0a1f44;
}

.text-end {
    font-size: 0.95rem;
    font-weight: 600;
    color: #333;
}

/* PROCESS LOAN */

.loan-process {
  background: #e1ecff;
  padding: 80px 0;
}

.section-title {
  text-align: center;
  font-weight: 700;
  margin-bottom: 8px;
}

.section-subtitle {
  text-align: center;
  color: #666;
  margin-bottom: 60px;
}

/* Timeline wrapper */

.timeline-wrapper {
  position: relative;
  max-width: 1100px;
  margin: auto;
}

/* Base line */
.timeline-line {
  position: absolute;
  top: 30px;
  left: 0;
  width: 100%;
  height: 4px;
  background: #ddd;
  border-radius: 4px;
  overflow: hidden;
}

.timeline-progress {
  position: absolute;
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, #0a1f44, #1cc7a0);
  transition: width 0.8s ease;
}

/* Steps */
.timeline-steps {
  display: flex;
  justify-content: space-between;
  position: relative;
}

.timeline-step {
  text-align: center;
  width: 18%;
  opacity: 0.6;
  transition: opacity 0.4s ease;
}

.timeline-step.active {
  opacity: 1;
  /* transform: translateY(0); */
}

/* Step circle */
.step-circle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid #0a1f44;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: #0a1f44;
  margin: auto;
  transition: all 0.35s ease;
}

/* TEMPORARY ENLARGE */
.timeline-step.pulse .step-circle {
  background: #0a1f44;
  color: #fff;
  transform: scale(1.25);
  box-shadow: 0 14px 30px rgba(10,31,68,0.3);
}

/* After pulse, return to normal */
.timeline-step.active:not(.pulse) .step-circle {
  background: #fff;
  color: #0a1f44;
  transform: scale(1);
}

.timeline-progress {
  position: absolute;
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, #0a1f44, #1cc7a0);
  transition: width 1.6s ease-in-out; /* SLOW */
}

/* Text */
.timeline-step h6 {
  font-weight: 600;
  margin-bottom: 6px;
}

.timeline-step p {
  font-size: 14px;
  color: #666;
}

/* Mobile */
@media (max-width: 768px) {
  .timeline-steps {
    flex-direction: column;
    gap: 40px;
  }

  .timeline-line {
    display: none;
  }

  .timeline-step {
    width: 100%;
  }
}

/* Partners */
.partners img { max-height: 70px; margin: 0 20px; }

.slick-partners .slick-slide {
  display: flex !important;
  justify-content: center;
  align-items: center;
  padding: 15px;
}

.slick-partners img {
  transition: transform 0.3s;
}

.slick-partners img:hover {
  transform: scale(1.1);
}

.section-underline {
  width: 80px;
  height: 3px;
  background: linear-gradient(90deg, navy, #3b82f6);
  margin: 0 auto 40px;
  border-radius: 4px;
  position: relative;
  overflow: hidden;
}

.section-underline::after {
  content: "";
  position: absolute;
  width: 30px;
  height: 100%;
  background: rgba(255,255,255,0.6);
  left: -30px;
  animation: underline-shine 3s infinite;
}

@keyframes underline-shine {
  0% { left: -30px; }
  100% { left: 100%; }
}

/* CTA Section */
.cta-section { background: #0a1f44; color: white; padding: 60px 0; text-align: center; }
    
.cta-section h2 { margin-bottom: 20px; }
    
.cta-section a { margin: 10px; } 

/* FAQ Section */
    
.faq { padding: 80px 0; }

.faq .accordion-button:focus { box-shadow: none; }
    
/* ===============================
   HEADER BASE  
================================= */

.site-header {
  width: 100%;
  z-index: 1100;
  padding: 10px 0;
  position: sticky;
  top: 0;
}

.header-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 20px;
}

/* LOGO */
.header-logo img {
  max-height: 70px;
}

.site-header .container-fluid {
  max-width: 1400px;
}

/* ===============================
   DESKTOP AREA
================================= */

.header-desktop {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex: 1;
  margin-left: 25px;
  min-width: 0;
}

@media (max-width: 767px) {
  .top-contact-bar {
    display: none;
  }
}

/* ===============================
   NAVIGATION
================================= */

.main-nav {
  display: flex;
  align-items: center;
  gap: 22px;
  margin-left: auto;
}

.main-nav a {
  text-decoration: none;
  color: #333;
  font-weight: 500;
  position: relative;
  transition: 0.3s;
  font-size: 1.05rem;
}

/* underline animation */
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 0;
  height: 2.5px;
  background: #0a1f44;
  transition: 0.3s;
  border-radius: 3px;
}

.main-nav a:hover {
  color: #0a1f44;
}

.main-nav a:hover::after {
  width: 100%;
}

/* ===============================
   DROPDOWN
================================= */

.nav-dropdown {
  position: relative;
}

.nav-dropdown-menu {
  position: absolute;
  top: 120%;
  left: 0;
  background: #fff;
  min-width: 220px;
  border-radius: 10px;
  box-shadow: 0 10px 25px rgba(0,0,0,0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: 0.3s;
}

.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown-menu a {
  display: block;
  padding: 10px 16px;
  font-size: 14px;
}

.nav-dropdown-menu a:hover {
  background: #f5f7fa;
}

/* ===============================
   MOBILE TOGGLE
================================= */

.mobile-toggle {
  display: none;
  font-size: 22px;
  border: none;
  background: transparent;
}

/* ===============================
   TABLET FIX (MOST IMPORTANT)
================================= */

@media (max-width: 1280px) {

  .header-contact .email {
    max-width: 220px;
  }

  .main-nav {
    gap: 15px;
  }

  .main-nav a {
    font-size: 15px;
    font-weight: 550;
  }
  
  .nav-dropdown-menu a{
      font-size: 13px;
  }
}

@media (max-width: 1150px) {
  .header-contact .email {
    display: none;
  }
}

/* ===============================
   MOBILE
================================= */

@media (max-width: 991px) {

  .header-desktop {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }
}

/* ===== Overlay Background ===== */
#mobileOverlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100vh;
  background: rgba(0,0,0,0.45);
  opacity: 0;
  visibility: hidden;
  transition: 0.35s ease;
  z-index: 1040;
}

#mobileOverlay.active {
  opacity: 1;
  visibility: visible;
}

/* ===== Mobile Nav Panel ===== */
.mobile-nav {
  position: fixed;
  top: 0;
  right: -100%;
  width: 82%;
  max-width: 340px;
  height: 100vh;
  background: #fff;
  padding: 90px 25px 30px;
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  transition: right 0.4s ease;
  z-index: 1050;
  box-shadow: -5px 0 25px rgba(0,0,0,0.15);
}

.mobile-nav.active {
  right: 0;
}

/* Links */
.mobile-nav a {
  padding: 14px 0;
  font-size: 1.05rem;
  color: #333;
  text-decoration: none;
  border-bottom: 1px solid #eee;
  transition: all 0.3s ease;
}

.mobile-nav a:hover {
  background: #0a1f44;
  color: #fff;
  padding-left: 22px;
  border-radius: 6px;
}

/* ===== Dropdown ===== */
.mobile-dropdown-btn {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  font-weight: 600;
  cursor: pointer;
  border-bottom: 1px solid #eee;
}

.mobile-dropdown-menu {
  max-height: 0;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  padding-left: 15px;
  transition: max-height 0.35s ease;
}

/* open state */
.mobile-dropdown.active .mobile-dropdown-menu {
  max-height: 300px;
}

.mobile-dropdown.active i {
  transform: rotate(360deg);
  transition: 0.3s;
}

/* Prevent desktop nav */
@media (max-width: 767px) {
  .d-md-flex {
    display: none !important;
  }
}

/* ================= TOP CONTACT BAR ================= */

.top-contact-bar {
  background: #0a1f44;
  color: #fff;
  font-size: 14px;
  padding: 8px 20px;
  transition: all 0.3s ease;
  position: relative; 
  z-index: 1100;
}

.top-contact-bar i {
  color: #d4af37;
}

.top-contact-bar .container-fluid {
  max-width: 1400px;
}

/* ===============================
   CONTACT SECTION
================================ */

#contact {
  padding: 80px 0;
}

.bg {
  background: #e8f4ff;
}

/* Limit content width for better readability */
#contact .container {
  max-width: 1100px;
}

/* Form styling */
.contact-input {
  height: 52px;
  border-radius: 8px;
  border: 1px solid #ddd;
  padding: 10px 14px;
  font-size: 15px;
  transition: all 0.25s ease;
}

.contact-input:focus {
  border-color: #0a1f44;
  box-shadow: 0 0 0 0.15rem rgba(10,31,68,0.15);
}

/* Submit button */
#contact .btn-primary {
  padding: 14px 30px;
  border-radius: 8px;
  font-weight: 600;
}

/* Map styling */
#contact iframe {
  width: 100%;
  height: 420px;
  border-radius: 12px;
}

/* Contact info spacing */
#contact p {
  font-size: 15px;
  margin-bottom: 10px;
}

/* @media (max-width: 992px) {

  #contact {
    padding: 70px 20px;
  }

  #contact h2 {
    font-size: 30px;
  }

  #contact iframe {
    height: 350px;
  }
  
} */

/* ===============================
   TABLET RESPONSIVE (768px – 1024px)
================================ */

@media (min-width:768px) and (max-width:1024px){

  #contact{
    padding:70px 30px;
    justify-content: center;
  }

  /* #contact .container{
    max-width:900px;
  } */
   #contact .container{
    max-width:90%; /* make container adapt to viewport */
    margin:0 auto; /* center the container */
  }

  #contact .row{
    display:flex;
    flex-wrap:wrap;
    gap:30px;
    justify-content:center; /* center the columns */
  }

  #contact .col-md-6{
    flex: 0 0 48%;
    max-width: 48%;
  }

  /* keep form + map side by side */
  /* #contact .row{
    display:flex;
    flex-wrap:wrap;
    gap:30px;
  } */

  /* #contact .col-md-6{
    flex:0 0 48%;
    max-width:48%;
  } */

  /* heading size balanced */
  #contact h2{
    font-size:28px;
  }

  #contact h5{
    font-size:16px;
  }

  /* inputs comfortable for tablets */
  .contact-input{
    height:50px;
    font-size:14px;
  }

  /* map slightly smaller */
  #contact iframe{
    height:340px;
  }

  /* button balanced */
  #contact .btn-primary{
    padding:12px 24px;
    font-size:15px;
  }

}

@media (max-width: 768px) {

  /* Stack form & map nicely */
  #contact .row {
    flex-direction: column;
  }

  /* Center headings */
  #contact h2,
  #contact h5 {
    text-align: center;
  }

  /* Inputs easier to tap */
  .contact-input {
    height: 50px;
    font-size: 14px;
  }

  /* Full-width button */
  #contact .btn-primary {
    width: 100%;
    font-size: 15px;
  }

  /* Map smaller */
  #contact iframe {
    height: 300px;
    margin-top: 20px;
  }

  /* Contact info centered */
  #contact p {
    text-align: center;
  }
}

@media (max-width: 480px) {

  #contact {
    padding: 60px 15px;
  }

  #contact h2 {
    font-size: 24px;
  }

  #contact h5 {
    font-size: 15px;
  }

  #contact iframe {
    height: 260px;
  }
}

/* ===================================
   BANK FOOTER
=================================== */

.bank-footer {
  background: #0a1f44;
  color: #cbd5e1;
  padding: 70px 0 0;
  font-size: 0.95rem;
}

.footer-logo {
  max-width: 180px;
  margin-bottom: 15px;
}

.footer-tagline {
  line-height: 1.6;
  color: #e2e8f0;
  margin-bottom: 20px;
}

/* Titles */
.footer-title {
  color: #ffffff;
  font-weight: 600;
  margin-bottom: 18px;
  position: relative;
  font-size: 16px;
}

.footer-title::after {
  content: "";
  width: 40px;
  height: 2px;
  background: #3b82f6;
  position: absolute;
  left: 0;
  bottom: -6px;
}

/* Links */
.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

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

.footer-links a {
  color: #cbd5e1;
  text-decoration: none;
  transition: all 0.3s ease;
}

.footer-links a:hover {
  color: #ffffff;
  padding-left: 6px;
}

/* Social Icons */
.footer-social {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.footer-social a {
  display: inline-flex;
  width: 38px;
  height: 38px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  color: #fff;
  transition: all 0.3s ease;
}

.footer-social a:hover {
  background: #3b82f6;
  transform: translateY(-4px);
}

/* Divider */
.footer-divider {
  border-color: rgba(255,255,255,0.15);
  margin: 15px 0;
}

/* Bottom Bar */
.footer-bottom {
  background: #081a36;
  padding: 18px 0;
  margin-top: 50px;
  font-size: 0.85rem;
}

.footer-bottom a {
  color: #cbd5e1;
  text-decoration: none;
}

.footer-bottom a:hover {
  color: #ffffff;
}

.footer-disclaimer {
  font-size: 13px;
  opacity: 0.85;
  margin-bottom: 12px;
}

@media(max-width:480px){
    .cta-content h2 { font-size:24px; }
    .cta-content p { font-size:14px; }
    .cta-buttons .btn-outline-light { padding:10px 20px; font-size:14px; }
}

@media (max-width: 992px) {

  .bank-footer {
    padding-top: 60px;
  }

  /* Better spacing between columns */
  .bank-footer .col-md-4,
  .bank-footer .col-md-3,
  .bank-footer .col-md-2 {
    margin-bottom: 25px;
  }

  .footer-logo {
    max-width: 160px;
  }
}

/* =====================================
   TABLET & SMALL LAPTOP (770px–1200px)
===================================== */

@media (min-width: 768px) and (max-width: 1200px) {

  /* Reduce footer padding */
  .bank-footer {
    padding-top: 55px;
  }

  /* Make footer grid 2 columns instead of 4 */
  .bank-footer .row > div {
    flex: 0 0 50%;
    max-width: 50%;
  }

  /* Add breathing space */
  .bank-footer .row > div {
    margin-bottom: 35px;
  }

  /* Reduce large heading size */
  .bank-footer h2 {
    font-size: 24px;
  }

  /* Improve text readability */
  .footer-tagline {
    font-size: 15px;
  }

  /* Align content nicely */
  .footer-title {
    font-size: 16px;
  }

  /* Prevent long email overflow */
  .bank-footer p {
    word-break: break-word;
  }

  /* Center social icons slightly */
  .footer-social {
    justify-content: flex-start;
  }
}

@media (max-width: 767px) {

  .bank-footer {
    text-align: center;
    padding-top: 50px;
  }

  /* Center underline */
  .footer-title::after {
    left: 50%;
    transform: translateX(-50%);
  }

  /* Center social icons */
  .footer-social {
    justify-content: center;
  }

  /* Reduce spacing */
  .footer-links li {
    margin-bottom: 8px;
  }

  /* Brand heading resize */
  .bank-footer h2 {
    font-size: 22px;
  }

  .footer-tagline {
    font-size: 14px;
  }

  /* Contact text alignment */
  .bank-footer p {
    text-align: center;
  }

  /* Bottom bar stack */
  .footer-bottom .container {
    text-align: center;
    gap: 10px;
  }
}

@media (max-width: 480px) {

  .bank-footer {
    font-size: 14px;
  }

  .footer-title {
    font-size: 15px;
  }

  .footer-logo {
    max-width: 140px;
  }

  .footer-social a {
    width: 34px;
    height: 34px;
  }
}