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 */
    .hero { background: url('images/home-hero.jpg') no-repeat center center/cover; color: white; padding: 120px 0; text-align: center; }
    .hero h1 { font-size: 3rem; margin-bottom: 20px; }
    .hero p { font-size: 1.2rem; margin-bottom: 15px; }
    .hero .btn { margin: 5px; padding: 12px 25px; font-size: 1rem; }

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

.bg{
  background: #e1ecff;
}

.type-card {
  background: #fff;
  padding: 30px;
  text-align: center;
  border-radius: 12px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.08);
  transition: transform 0.3s ease;
}
.type-card:hover {
  transform: translateY(-8px);
}
.type-card i {
  font-size: 36px;
  color: #0a1f44;
  margin-bottom: 15px;
}

.importance-card {
  background: #fff;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 6px 15px rgba(0,0,0,0.08);
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.importance-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 25px rgba(0,0,0,0.15);
}
.importance-card i {
  font-size: 36px;
  color: #0a1f44;
  margin-bottom: 15px;
}

.why-card {
  background: #fff;
  padding: 30px;
  text-align: center;
  border-radius: 12px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.08);
  transition: transform 0.3s ease;
}
.why-card:hover {
  transform: translateY(-8px);
}
.why-card i {
  font-size: 36px;
  color: #0a1f44;
  margin-bottom: 15px;
}

.how-it-works .step span {
  display: inline-block;
  width: 45px;
  height: 45px;
  border-radius: 50%;
  background: #0a1f44;
  color: #fff;
  line-height: 45px;
  font-weight: bold;
  margin-bottom: 10px;
}

.benefit-card {
  background: #fff;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 6px 15px rgba(0,0,0,0.08);
  text-align: center;
  transition: transform 0.3s ease;
}
.benefit-card:hover {
  transform: translateY(-8px);
}
.benefit-card i {
  font-size: 36px;
  color: #0a1f44;
  margin-bottom: 15px;
}

.toggle-btn {
  padding: 10px 25px;
  border: none;
  background: #e0e0e0;
  margin: 0 5px;
  border-radius: 20px;
  cursor: pointer;
}
.toggle-btn.active {
  background: #0a1f44;
  color: #fff;
}
.content-box {
  display: none;
}
.content-box.show {
  display: block;
}

.claim-process .step span {
  display: inline-block;
  width: 45px;
  height: 45px;
  border-radius: 50%;
  background: #0a1f44;
  color: #fff;
  line-height: 45px;
  font-weight: bold;
  margin-bottom: 10px;
}


@media (max-width: 768px) {
  .section-gap {
    padding: 50px 0;
  }
}
.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: #f8f9fa;
}

/* 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);
}

nav a {
  position: relative;
  color: #333;                 /* default color */
  transition: color 0.3s ease;
}

nav a:hover {
  color:  #0a1f44;                 /* navy blue on hover */
}

/* underline animation */
nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -5px;
  width: 0;
  height: 3px;
  background-color:  #0a1f44;
  transition: width 0.3s ease;
}

nav a:hover::after {
  width: 100%;
}

/* Main nav */
.main-nav a {
  color: #333;
  font-weight: 500;
  position: relative;
}

.nav-dropdown {
  position: relative;
}

.nav-dropdown-menu {
  position: absolute;
  top: 140%;
  left: 0;
  background: #fff;
  min-width: 220px;
  padding: 12px 0;
  border-radius: 10px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.15);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity 0.3s ease, transform 0.3s ease;
  z-index: 1000;
}

.nav-dropdown-menu a {
  display: block;
  padding: 10px 18px;
  color: #333;
  font-size: 14px;
  transition: background-color 0.3s ease, color 0.3s ease;
}

.nav-dropdown-menu a:hover {
  background-color: #f5f7fa;
  color: #0a1f44;
}

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

/* Responsive adjustments (desktop-specific already) */
@media (max-width: 991px) {
  nav a {
    margin: 0 8px;
    font-size: 14px;
  }

  .nav-dropdown-menu {
    min-width: 180px;
  }
}

/* Mobile adjustments */
@media (max-width: 767px) {
  .nav-dropdown-menu {
    position: static;
    box-shadow: none;
  }
}

/* Mobile Nav Overlay */
.mobile-nav {
  display: none;
  flex-direction: column;
  position: fixed;
  top: 0;
  right: 0;
  width: 80%;
  height: 100vh;
  background: #fff;
  padding: 80px 20px 20px 20px;
  box-shadow: -2px 0 10px rgba(0,0,0,0.1);
  z-index: 1050;
  overflow-y: auto;
}

.mobile-nav.active {
  display: flex;
}

.mobile-nav a {
  padding: 15px 0;
  font-size: 1.1rem;
  color: #333;
  text-decoration: none;
  border-bottom: 1px solid #eee;
}

.mobile-nav a {
  transition: all 0.3s ease;
}

.mobile-nav a:hover {
  background: #0a1f44;
  color: #fff;
  padding-left: 25px; /* slight slide effect */
  border-radius: 5px;
}


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

/* Mobile Dropdown Menu */
.mobile-dropdown-menu {
  display: none;
  flex-direction: column;
  padding-left: 15px;
}

.mobile-dropdown-btn {
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  padding: 0.5rem 0;
  font-weight: 500;
}

/* Rotate arrow when active */
.mobile-dropdown.active > .mobile-dropdown-btn i {
  transform: rotate(180deg);
  transition: transform 0.3s ease;
}

/* Show submenu when active */
.mobile-dropdown.active > .mobile-dropdown-menu {
  display: flex;
}


/* Scroll reveal base */
.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);
}


/* 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; }

/* Hero section */
.hero-carousel {
  overflow: hidden;
}

/* Fixed height */
.carousel-item {
  height: 80vh;
}

/* CENTER EVERYTHING PROPERLY */
.carousel-item .row {
  height: 100%;
  display: flex;
  align-items: center;      /* vertical center */
  justify-content: space-between;
}

/* Image column center */
.carousel-item .col-md-6 {
  display: flex;
  align-items: center;
  justify-content: center;
}

.carousel-bg {
  height: 100%;
  display: flex;
  align-items: center;
}

.carousel-bg .container {
  height: 100%;
}

.carousel-bg .row {
  height: 100%;
  align-items: center;
}


/* IMAGE SIZE — responsive & large */
.carousel-item img {
  max-height: 450px;       
  width: 100%;
  max-width: 480px;
}

#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;
}

/* Mobile */
@media (max-width: 768px) {
  /* .carousel-item {
    height: 90vh;
  }

  .carousel-item .row {
    text-align: center;
  }

  .carousel-item img {
    max-height: 260px;
    max-width: 90%;
  } */
   .carousel-item {
    height: auto;              
    padding: 40px 0 50px;      
  }

  .carousel-item .row {
    text-align: center;
  }

  .carousel-item img {
    max-height: 260px;        
    max-width: 90%;
    height: auto;
    margin-top: 20px;     
  }
}

/* Text */
.carousel-content h1 {
  font-size: 3rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: #0a1f44;
}

.carousel-content p {
  font-size: 1.2rem;
  margin-bottom: 30px;
  color: #0a1f44;
}

/* Indicators */
.carousel-indicators {
  bottom: 25px;
}

.carousel-indicators button {
  width: 10px;
  height: 10px;
  border-radius: 5%;
  background-color: #ffffff;
  opacity: 0.5;
}

.carousel-indicators .active {
  opacity: 1;
  background-color: #001f4d;
}


.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);
}

/* Interest Rates Section */
.interest-section {
  padding: 80px 0;
  background: #f8f9fa;
}

.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;
}

.loan-process {
  background: #f4f6f8;
  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 base */
.timeline-wrapper {
  position: relative;
  margin-top: 50px;
}

.timeline-line {
  position: absolute;
  top: 28px;
  left: 0;
  width: 100%;
  height: 4px;
  background: #dbe2ea;
  border-radius: 10px;
  overflow: hidden;
}

.timeline-progress {
  display: block;
  height: 100%;
  width: 0;
  background: #0a1f44;
  transition: width 1.2s ease;
}

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

.timeline-step {
  width: 18%;
  text-align: center;
  opacity: 0.4;
  transform: scale(0.9);
  transition: all 0.5s ease;
}

.timeline-step.active {
  opacity: 1;
  transform: scale(1.08);
}

.step-circle {
  width: 55px;
  height: 55px;
  background: #dbe2ea;
  color: #0a1f44;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: auto auto 10px;
  font-weight: 600;
  transition: all 0.4s ease;
}

.timeline-step.active .step-circle {
  background: #0a1f44;
  color: #fff;
  box-shadow: 0 0 0 8px rgba(10, 31, 68, 0.15);
}

/* Claim Process */
.claim-steps .step {
  opacity: 0;
  transform: translateY(40px);
  transition: all 0.6s ease;
}

.claim-steps .step.show {
  opacity: 1;
  transform: translateY(0);
}

.claim-steps span {
  font-size: 26px;
  font-weight: 700;
  color: #0a1f44;
}

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

  .timeline-line {
    display: none;
  }

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


.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%; }
}

.quote-form {
  border-radius: 14px;
  background: #ffffff;
}

.quote-form h5 {
  font-weight: 600;
  color: #0a1f44;
}

.quote-form label {
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 4px;
  color: #333;
}

.quote-form .form-control,
.quote-form .form-select {
  height: 48px;
  border-radius: 8px;
  border: 1px solid #ddd;
  font-size: 14px;
}

.quote-form .form-control:focus,
.quote-form .form-select:focus {
  border-color: #0a1f44;
  box-shadow: 0 0 0 0.15rem rgba(10, 31, 68, 0.15);
}

.quote-form button {
  background-color: #0a1f44;
  border: none;
  border-radius: 8px;
  font-weight: 600;
}

.quote-form button:hover {
  background-color: #081735;
}

.fade-in {
  animation: fadeUp 0.8s ease forwards;
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

    /* 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; }

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

    /* FAQ Section */
    .faq { padding: 80px 0; }
    .faq .accordion-button:focus { box-shadow: none; }

    .insurance-plans .plan-card {
  background: #fff;
  border-radius: 16px;
  padding: 30px;
  height: 100%;
  box-shadow: 0 10px 25px rgba(0,0,0,0.08);
  transition: all 0.3s ease;
}

.insurance-plans .plan-card:hover {
  transform: translateY(-8px);
}

.insurance-plans .plan-card h5 {
  font-weight: 700;
  color: #0a1f44;
  margin-bottom: 10px;
}

.plan-desc {
  font-size: 15px;
  color: #555;
  margin-bottom: 15px;
}

.plan-card ul {
  padding-left: 18px;
  margin-bottom: 20px;
}

.plan-card ul li {
  font-size: 14px;
  margin-bottom: 8px;
}

.plan-card.highlight {
  border: 2px solid #0a1f44;
  background: #accbf4;
}

    
.bank-footer {
  background: #0a1f44;
  color: #cbd5e1;
  padding: 60px 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;
}

.footer-title {
  color: #ffffff;
  font-weight: 600;
  margin-bottom: 15px;
  position: relative;
}

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

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

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

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

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

.footer-social a {
  display: inline-flex;
  width: 36px;
  height: 36px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  color: #fff;
  margin-right: 10px;
  transition: background 0.3s ease, transform 0.3s ease;
}

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

.footer-bottom {
  background: #081a36;
  padding: 15px 0;
  margin-top: 40px;
  font-size: 0.85rem;
}

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

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

/* Responsive */
@media (max-width: 768px) {
  .bank-footer {
    text-align: center;
  }

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

  .footer-social {
    justify-content: center;
  }
}