/* ============================================
   My First Credit - Custom Styles
   ============================================ */

/* ============================================
   1. CSS Variables & Root Settings
   ============================================ */
:root {
    --primary-dark: #2C3E50;
    --primary-dark-alt: #34495E;
    --teal: #14B8A6;
    --teal-dark: #00A896;
    --blue-primary: #2020FF;
    --purple: #9333ea;
    --green: #00ff88;
    --success-green: #00A63E;
    --warning-yellow: #F0B100;
    --font-family: 'Poppins', sans-serif;
}

/* ============================================
   2. Base Styles
   ============================================ */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: var(--font-family);
    min-height: 100vh;
    background: linear-gradient(135deg, #e6f0ff 0%, #f0f4ff 50%, #ffe6f0 100%);
    overflow-x: hidden;
    position: relative;
}

/* ============================================
   3. Background Pattern
   ============================================ */
.global-bg-pattern {
    position: fixed;
    inset: 0;
    opacity: 0.3;
    pointer-events: none;
    z-index: 0;
}

.blob {
    position: absolute;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    filter: blur(80px);
    mix-blend-mode: multiply;
    animation: blob 7s infinite;
}

.blob-1 {
    top: 0;
    left: 0;
    background: var(--primary-dark);
}

.blob-2 {
    top: 0;
    right: 0;
    background: #22d3ee;
    animation-delay: 2s;
}

.blob-3 {
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    background: var(--teal-dark);
    animation-delay: 4s;
}

@keyframes blob {
    0%, 100% { transform: translate(0, 0) scale(1); }
    25% { transform: translate(20px, -50px) scale(1.1); }
    50% { transform: translate(-20px, 20px) scale(0.9); }
    75% { transform: translate(50px, 50px) scale(1.05); }
}

/* ============================================
   4. Navigation
   ============================================ */
.navbar-glass {
    position: fixed;
    top: 24px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 1000;
}

.navbar-inner {
    background: rgba(255, 255, 255, 0.2);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-radius: 50px;
    padding: 12px 32px;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.3);
}

.navbar-glass .logo {
    height: 48px;
}

/* ============================================
   5. Hero Section
   ============================================ */
.hero-section {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 0px 0 80px;
}

.hero-title {
    font-size: clamp(2.5rem, 5vw, 3.75rem);
    font-weight: 600;
    line-height: 1.05;
}

.hero-title-mobile {
    font-size: 2rem;
    font-weight: 600;
    line-height: 1.1;
}

.gradient-text-teal {
    background: linear-gradient(90deg, var(--teal) 0%, var(--teal-dark) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.gradient-text-blue {
    background: linear-gradient(90deg, var(--blue-primary) 0%, var(--purple) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.gradient-text-dark {
    background: linear-gradient(90deg, var(--primary-dark) 0%, var(--primary-dark-alt) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.gradient-text-orange {
    background: linear-gradient(90deg, #f97316 0%, #ef4444 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Glass Badge */
.glass-badge {
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    padding: 10px 20px;
    border-radius: 50px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
    font-size: 0.875rem;
    color: #374151;
}

.text-teal {
    color: var(--teal-dark) !important;
}

.text-purple {
    color: var(--purple) !important;
}

.text-green {
    color: var(--green) !important;
}

/* Check Circle */
.check-circle {
    width: 20px;
    height: 20px;
    min-width: 20px;
    border-radius: 50%;
    background: var(--teal);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 0.75rem;
}

/* Stat Cards */
.stat-card {
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    border-radius: 16px;
    padding: 12px 20px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
    display: flex;
    align-items: center;
    gap: 12px;
    transition: transform 0.3s ease;
}

.stat-card:hover {
    transform: scale(1.05);
}

.stat-icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    background: linear-gradient(135deg, rgba(44, 62, 80, 0.2) 0%, rgba(0, 168, 150, 0.2) 100%);
    backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(255, 255, 255, 0.3);
    color: var(--primary-dark);
    font-size: 1.25rem;
}

.stat-value {
    font-size: 1.125rem;
    font-weight: 600;
    color: #111827;
}

.stat-label {
    font-size: 0.75rem;
    color: #6b7280;
}

/* Buttons */
.btn-gradient-primary {
    background: linear-gradient(90deg, var(--primary-dark) 0%, var(--teal-dark) 100%);
    color: white;
    padding: 16px 32px;
    border-radius: 16px;
    font-weight: 500;
    border: none;
    box-shadow: 0 10px 40px rgba(0, 168, 150, 0.3);
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
}

.btn-gradient-primary:hover {
    box-shadow: 0 20px 50px rgba(0, 168, 150, 0.4);
    transform: translateY(-2px);
    color: white;
}

.btn-gradient-primary i {
    transition: transform 0.3s ease;
}

.btn-gradient-primary:hover i {
    transform: translateX(4px);
}

.btn-gradient-blue {
    background: linear-gradient(90deg, var(--blue-primary) 0%, var(--purple) 100%);
    color: white;
    padding: 16px 32px;
    border-radius: 16px;
    font-weight: 500;
    border: none;
    box-shadow: 0 10px 40px rgba(32, 32, 255, 0.3);
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-gradient-blue:hover {
    box-shadow: 0 20px 50px rgba(32, 32, 255, 0.4);
    transform: translateY(-2px);
    color: white;
}

.btn-glass {
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    padding: 16px 32px;
    border-radius: 16px;
    color: #111827;
    font-weight: 500;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
    transition: all 0.3s ease;
}

.btn-glass:hover {
    background: rgba(255, 255, 255, 0.4);
    color: #111827;
}

/* ============================================
   6. Form Styles
   ============================================ */
.form-wrapper {
    position: relative;
}

.form-glow {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, var(--primary-dark) 0%, var(--teal-dark) 100%);
    border-radius: 48px;
    filter: blur(60px);
    opacity: 0.2;
}

.glass-form-card {
    position: relative;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-radius: 40px;
    padding: 32px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
}

@media (min-width: 992px) {
    .glass-form-card {
        padding: 40px;
    }
}

.form-inner-glass {
    position: absolute;
    top: 16px;
    right: 16px;
    bottom: 16px;
    left: 16px;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.3) 0%, rgba(255, 255, 255, 0.1) 100%);
    border-radius: 32px;
    pointer-events: none;
}

.live-badge {
    background: linear-gradient(90deg, var(--teal-dark) 0%, var(--teal) 100%);
    color: white;
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 0.875rem;
    box-shadow: 0 10px 40px rgba(0, 168, 150, 0.3);
}

.pulse-dot {
    width: 8px;
    height: 8px;
    background: white;
    border-radius: 50%;
    animation: pulse 2s infinite;
}

.pulse-teal {
    background: var(--teal-dark);
}

@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.2); }
}

.form-title {
    font-size: 2rem;
    font-weight: 600;
    color: #111827;
}

@media (min-width: 992px) {
    .form-title {
        font-size: 2.5rem;
    }
}

.input-wrapper {
    position: relative;
}

.input-icon {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--teal);
    font-size: 1.25rem;
    z-index: 10;
}

.glass-input {
    width: 100%;
    padding: 12px 16px 12px 44px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.5);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 2px solid rgba(255, 255, 255, 0.6);
    color: #111827;
    font-size: 1rem;
    transition: all 0.3s ease;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.glass-input:focus {
    border-color: var(--teal);
    background: rgba(255, 255, 255, 0.7);
    outline: none;
    box-shadow: 0 0 0 4px rgba(20, 184, 166, 0.1);
}

.glass-input::placeholder {
    color: #6b7280;
}

.form-select.glass-input {
    appearance: none;
    padding-right: 40px;
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%236b7280'%3e%3cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'/%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right 12px center;
    background-size: 20px;
}

.check-badge {
    position: absolute;
    right: 12px;
    top: 50%;
    transform: translateY(-50%);
    width: 20px;
    height: 20px;
    background: var(--teal-dark);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 0.75rem;
    animation: scaleIn 0.3s ease;
}

@keyframes scaleIn {
    from { transform: translateY(-50%) scale(0); }
    to { transform: translateY(-50%) scale(1); }
}

.form-check-input:checked {
    background-color: var(--teal);
    border-color: var(--teal);
}

.form-check-input:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 0.25rem rgba(20, 184, 166, 0.25);
}

/* Submit Button */
.btn-submit {
    position: relative;
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    padding: 20px 32px;
    border-radius: 12px;
    color: #9ca3af;
    font-weight: 600;
    font-size: 1.125rem;
    transition: all 0.3s ease;
    overflow: hidden;
}

.btn-submit:not(:disabled) {
    background: linear-gradient(90deg, var(--teal) 0%, var(--teal-dark) 50%, var(--teal) 100%);
    background-size: 200% 100%;
    color: white;
    border: none;
    box-shadow: 0 20px 50px rgba(0, 168, 150, 0.4);
    cursor: pointer;
}

.btn-submit:not(:disabled):hover {
    box-shadow: 0 25px 60px rgba(0, 168, 150, 0.5);
    transform: translateY(-2px);
}

.btn-submit .shimmer-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent 0%, rgba(255, 255, 255, 0.2) 50%, transparent 100%);
    transform: translateX(-100%);
    display: none;
}

.btn-submit:not(:disabled) .shimmer-overlay {
    display: block;
    animation: shimmer 2s infinite;
}

@keyframes shimmer {
    0% { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
}

/* Floating Badge */
.floating-badge {
    position: absolute;
    bottom: -24px;
    left: -24px;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-radius: 16px;
    padding: 20px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
}

.approval-icon {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: white;
    box-shadow: 0 10px 40px rgba(0, 168, 150, 0.3);
}

/* ============================================
   7. Trust Bar Section
   ============================================ */
.glass-container {
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.1);
}

.trust-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
    transition: transform 0.3s ease;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
}

.trust-item:hover .trust-icon {
    transform: scale(1.1);
}

/* Gradients */
.gradient-blue {
    background: linear-gradient(135deg, #3b82f6 0%, #06b6d4 100%);
}

.gradient-green {
    background: linear-gradient(135deg, #22c55e 0%, #10b981 100%);
}

.gradient-purple {
    background: linear-gradient(135deg, #a855f7 0%, #ec4899 100%);
}

.gradient-orange {
    background: linear-gradient(135deg, #f97316 0%, #ef4444 100%);
}

.gradient-yellow {
    background: linear-gradient(135deg, #facc15 0%, #f97316 100%);
}

.gradient-pink {
    background: linear-gradient(135deg, #ec4899 0%, #f43f5e 100%);
}

.gradient-cyan {
    background: linear-gradient(135deg, #06b6d4 0%, #3b82f6 100%);
}

.gradient-violet {
    background: linear-gradient(135deg, #8b5cf6 0%, #a855f7 100%);
}

.gradient-indigo {
    background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
}

/* ============================================
   8. Calculator Section
   ============================================ */
.section-title {
    font-size: clamp(2rem, 4vw, 3.5rem);
    font-weight: 600;
    margin-bottom: 16px;
}

.section-subtitle {
    font-size: 1.25rem;
    max-width: 600px;
    margin: 0 auto;
}

.calculator-card {
    max-width: 1200px;
    margin: 0 auto;
    padding: 32px;
}

@media (min-width: 992px) {
    .calculator-card {
        padding: 48px;
    }
}

.control-icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.control-value {
    font-size: 1.875rem;
    font-weight: 600;
}

/* Custom Range Slider */
.custom-range {
    -webkit-appearance: none;
    width: 100%;
    height: 12px;
    border-radius: 50px;
    background: rgba(255, 255, 255, 0.5);
    backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    box-shadow: inset 0 2px 4px rgba(0, 0, 0, 0.1);
}

.custom-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: white;
    cursor: pointer;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    border: 3px solid var(--blue-primary);
    transition: all 0.2s ease;
}

.custom-range::-webkit-slider-thumb:hover {
    transform: scale(1.2);
    box-shadow: 0 6px 20px rgba(32, 32, 255, 0.4);
}

.custom-range::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: white;
    cursor: pointer;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    border: 3px solid var(--blue-primary);
    transition: all 0.2s ease;
}

.range-purple::-webkit-slider-thumb {
    border-color: var(--purple);
}

.range-purple::-moz-range-thumb {
    border-color: var(--purple);
}

.rate-bar {
    height: 12px;
    background: linear-gradient(90deg, var(--green) 0%, #10b981 100%);
    border-radius: 50px;
    box-shadow: 0 10px 40px rgba(0, 255, 136, 0.3);
    border: 1px solid rgba(255, 255, 255, 0.4);
}

/* EMI Display */
.emi-display {
    position: relative;
    background: linear-gradient(135deg, var(--blue-primary) 0%, var(--purple) 50%, var(--blue-primary) 100%);
    border-radius: 24px;
    padding: 32px;
    color: white;
    overflow: hidden;
    box-shadow: 0 25px 50px -12px rgba(32, 32, 255, 0.4);
}

.emi-display .shimmer-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent 0%, rgba(255, 255, 255, 0.1) 50%, transparent 100%);
    animation: shimmer 2s infinite;
}

.emi-amount {
    font-size: 3rem;
    font-weight: 600;
}

.emi-amount .currency {
    font-size: 1.5rem;
    margin-top: 8px;
    margin-right: 4px;
}

/* Breakdown Cards */
.breakdown-card {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    border-radius: 16px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.breakdown-card .value {
    font-size: 1.25rem;
    font-weight: 600;
    color: #111827;
}

.breakdown-card.total {
    background: linear-gradient(135deg, rgba(0, 255, 136, 0.3) 0%, rgba(16, 185, 129, 0.3) 100%);
    border: 2px solid var(--green);
}

.breakdown-card.total .total-value {
    font-size: 1.5rem;
}

/* Chart Card */
.chart-card {
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    border-radius: 16px;
    padding: 24px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.chart-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
}

.bg-primary {
    background-color: var(--blue-primary) !important;
}

.bg-purple {
    background-color: var(--purple) !important;
}

.chart-bar {
    height: 16px;
    background: rgba(255, 255, 255, 0.4);
    border-radius: 50px;
    overflow: hidden;
    display: flex;
    border: 1px solid rgba(255, 255, 255, 0.4);
    box-shadow: inset 0 2px 4px rgba(0, 0, 0, 0.1);
}

.chart-principal {
    background: linear-gradient(90deg, var(--blue-primary) 0%, #3b82f6 100%);
    transition: width 0.5s ease;
}

.chart-interest {
    background: linear-gradient(90deg, #a855f7 0%, #ec4899 100%);
    transition: width 0.5s ease;
}

/* ============================================
   9. Features Section
   ============================================ */
.feature-card {
    position: relative;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-radius: 24px;
    padding: 32px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    height: 100%;
    overflow: hidden;
    transition: all 0.5s ease;
}

.feature-card:hover {
    border-color: rgba(255, 255, 255, 0.7);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
}

.feature-inner-glass {
    position: absolute;
    top: 12px;
    right: 12px;
    bottom: 12px;
    left: 12px;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.2) 0%, rgba(255, 255, 255, 0.05) 100%);
    border-radius: 16px;
    pointer-events: none;
}

.feature-icon {
    position: relative;
    width: 64px;
    height: 64px;
    border-radius: 16px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 2rem;
    margin-bottom: 24px;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
    transition: all 0.5s ease;
    z-index: 10;
}

.feature-card:hover .feature-icon {
    transform: scale(1.1) rotate(3deg);
}

.feature-ring {
    position: absolute;
    top: 32px;
    left: 32px;
    width: 64px;
    height: 64px;
    border-radius: 16px;
    opacity: 0.2;
    transition: all 0.7s ease;
}

.feature-card:hover .feature-ring {
    transform: scale(1.5);
    opacity: 0;
}

.feature-title {
    position: relative;
    font-size: 1.5rem;
    font-weight: 600;
    color: #111827;
    margin-bottom: 12px;
    z-index: 10;
    transition: color 0.3s ease;
}

.feature-card:hover .feature-title {
    color: var(--primary-dark);
}

.feature-desc {
    position: relative;
    color: #6b7280;
    line-height: 1.6;
    z-index: 10;
}

/* ============================================
   10. Process Timeline Section
   ============================================ */
.timeline-line {
    position: absolute;
    top: 128px;
    left: 0;
    right: 0;
    height: 6px;
    border-radius: 50px;
    background: linear-gradient(90deg, #3b82f6 0%, #a855f7 33%, #f97316 66%, #22c55e 100%);
    opacity: 0.3;
    z-index: 0;
}

.step-card {
    position: relative;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-radius: 24px;
    padding: 32px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    transition: all 0.5s ease;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.1);
    z-index: 10;
}

.step-card:hover {
    background: rgba(255, 255, 255, 0.5);
    border-color: rgba(255, 255, 255, 0.7);
    transform: scale(1.05);
}

.step-inner-glass {
    position: absolute;
    top: 12px;
    right: 12px;
    bottom: 12px;
    left: 12px;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.3) 0%, rgba(255, 255, 255, 0.1) 100%);
    border-radius: 16px;
    pointer-events: none;
}

.step-number {
    position: absolute;
    top: -16px;
    right: -16px;
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.25rem;
    font-weight: 600;
    box-shadow: 0 10px 40px rgba(20, 184, 166, 0.4);
    border: 2px solid rgba(255, 255, 255, 0.5);
    z-index: 20;
}

.step-icon {
    position: relative;
    width: 64px;
    height: 64px;
    border-radius: 16px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 2rem;
    margin-bottom: 24px;
    box-shadow: 0 25px 50px rgba(0, 0, 0, 0.2);
    transition: all 0.5s ease;
    z-index: 10;
}

.step-card:hover .step-icon {
    transform: scale(1.1) rotate(6deg);
}

.step-glow {
    position: absolute;
    top: 32px;
    left: 32px;
    width: 64px;
    height: 64px;
    border-radius: 16px;
    filter: blur(20px);
    opacity: 0.5;
    transition: opacity 0.5s ease;
}

.step-card:hover .step-glow {
    opacity: 0.75;
}

.time-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    padding: 4px 12px;
    border-radius: 50px;
    font-size: 0.875rem;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
    margin-bottom: 16px;
    position: relative;
    z-index: 10;
}

.step-title {
    position: relative;
    font-size: 1.5rem;
    font-weight: 600;
    color: #111827;
    margin-bottom: 12px;
    z-index: 10;
    transition: color 0.3s ease;
}

.step-card:hover .step-title {
    color: var(--primary-dark);
}

.step-desc {
    position: relative;
    color: #6b7280;
    font-size: 0.875rem;
    line-height: 1.6;
    z-index: 10;
}

.process-stat {
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    border-radius: 16px;
    padding: 24px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.stat-big {
    font-size: 2.5rem;
    font-weight: 600;
    margin-bottom: 8px;
}

/* ============================================
   11. Testimonials Section
   ============================================ */
.rating-summary {
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.1);
}

.rating-summary .divider {
    width: 1px;
    height: 48px;
    background: rgba(255, 255, 255, 0.4);
}

.testimonial-card {
    position: relative;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-radius: 24px;
    padding: 32px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    transition: all 0.5s ease;
    height: 100%;
}

.testimonial-card:hover {
    border-color: rgba(255, 255, 255, 0.7);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    transform: translateY(-8px);
}

.testimonial-inner-glass {
    position: absolute;
    top: 12px;
    right: 12px;
    bottom: 12px;
    left: 12px;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.3) 0%, rgba(255, 255, 255, 0.1) 100%);
    border-radius: 16px;
    pointer-events: none;
}

.amount-badge {
    position: absolute;
    top: -12px;
    left: -12px;
    background: linear-gradient(90deg, var(--teal) 0%, var(--teal-dark) 100%);
    color: white;
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 0.875rem;
    box-shadow: 0 10px 40px rgba(20, 184, 166, 0.4);
    z-index: 10;
}

.quote-icon {
    position: absolute;
    top: -12px;
    right: -12px;
    width: 48px;
    height: 48px;
    background: var(--primary-dark);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
    box-shadow: 0 10px 40px rgba(44, 62, 80, 0.4);
    opacity: 0;
    transform: rotate(0);
    transition: all 0.5s ease;
}

.testimonial-card:hover .quote-icon {
    opacity: 1;
    transform: rotate(12deg);
}

.testimonial-text {
    position: relative;
    color: #374151;
    line-height: 1.6;
    font-size: 0.875rem;
    z-index: 10;
}

.avatar {
    width: 56px;
    height: 56px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.125rem;
    font-weight: 600;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
    transition: all 0.5s ease;
}

.testimonial-card:hover .avatar {
    transform: scale(1.1) rotate(3deg);
}

.trust-indicator {
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    border-radius: 16px;
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

/* ============================================
   12. Footer Section
   ============================================ */
.footer-glass {
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
}

.footer-logo {
    height: 48px;
}

.social-link {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.4);
    backdrop-filter: blur(24px);
    border: 1px solid rgba(255, 255, 255, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #6b7280;
    font-size: 1.25rem;
    transition: all 0.3s ease;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.social-link:hover {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-dark-alt) 100%);
    color: white;
    border-color: transparent;
}

.footer-title {
    font-weight: 600;
    color: #111827;
}

.footer-links li {
    margin-bottom: 12px;
}

.footer-links a {
    color: #6b7280;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: color 0.3s ease;
}

.footer-links a::before {
    content: '';
    width: 0;
    height: 1px;
    background: var(--primary-dark);
    transition: width 0.3s ease;
}

.footer-links a:hover {
    color: var(--primary-dark);
}

.footer-links a:hover::before {
    width: 8px;
}

.contact-info a {
    color: #6b7280;
    text-decoration: none;
    transition: color 0.3s ease;
}

.contact-info a:hover {
    color: var(--primary-dark);
}

.btn-send {
    width: 40px;
    height: 40px;
    background: linear-gradient(90deg, var(--primary-dark) 0%, var(--primary-dark-alt) 100%);
    border-radius: 12px;
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
}

.btn-send:hover {
    box-shadow: 0 10px 40px rgba(44, 62, 80, 0.3);
    color: white;
}

.footer-bottom a {
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-bottom a:hover {
    color: var(--primary-dark) !important;
}

/* ============================================
   13. Animations
   ============================================ */
@keyframes slideDown {
    from {
        opacity: 0;
        transform: translate(-50%, -20px);
    }
    to {
        opacity: 1;
        transform: translate(-50%, 0);
    }
}

.animate-slideDown {
    animation: slideDown 0.6s ease-out;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.animate-fadeInUp {
    animation: fadeInUp 0.8s ease-out;
}

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

.animate-fadeInRight {
    animation: fadeInRight 0.8s ease-out;
}

@keyframes float {
    0%, 100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-10px);
    }
}

.animate-float {
    animation: float 3s ease-in-out infinite;
}

/* ============================================
   14. Responsive Styles
   ============================================ */
@media (max-width: 991.98px) {
    .navbar-inner {
        padding: 8px 24px;
    }
    
    .navbar-glass .logo {
        height: 36px;
    }
    
    .hero-section {
        padding-top: 6px;
    }
    
    .section-title {
        font-size: 2rem;
    }
    
    .stat-big {
        font-size: 1.75rem;
    }
}

@media (max-width: 767.98px) {
    .glass-form-card {
        padding: 24px;
    }
    
    .form-title {
        font-size: 1.75rem;
    }
    
    .emi-amount {
        font-size: 2.5rem;
    }
    
    .control-value {
        font-size: 1.5rem;
    }
    
    .rating-summary {
        flex-direction: column;
        gap: 16px !important;
    }
    
    .rating-summary .divider {
        width: 100%;
        height: 1px;
    }
}

/* ============================================
   15. Utility Classes
   ============================================ */
.text-primary {
    color: var(--blue-primary) !important;
}