/* ─── shikshak.css ─── */
/* Kolhapur Shikshak Co-op. Bank Ltd. */
/* Theme: Sky Blue #66CDF5 — Fresh, Clean, Trustworthy */

:root {
  --sky:        #66CDF5;
  --sky-dk:     #1A9ED4;
  --sky-ddk:    #0E6E9A;
  --sky-lt:     #E8F7FD;
  --sky-mid:    #3BB8E8;

  --gold:       #C07A00;
  --gold-lt:    #FFF8E6;
  --gold-bright:#E8A020;
  --green:      #1A7A3A;
  --green-lt:   #E8F5EB;
  --green-dk:   #0F5228;

  --white:      #FFFFFF;
  --off-wh:     #F4FAFD;
  --gray-50:    #EFF6FA;
  --gray-200:   #C8DDE8;
  --gray-400:   #7A9BAA;
  --gray-700:   #344855;
  --gray-900:   #0D1E26;

  --focus-ring: 3px solid var(--sky-dk);
  --nav-h:      68px;
  --top-h:      40px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 16px; line-height: 1.7;
  color: var(--gray-900); background: var(--white);
}

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; top: -100px; left: 16px; z-index: 9999;
  background: var(--sky-ddk); color: var(--white);
  padding: 12px 20px; border-radius: 0 0 8px 8px;
  font-weight: 700; font-size: 15px; text-decoration: none;
  transition: top 0.2s;
}
.skip-link:focus { top: 0; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible {
  outline: var(--focus-ring); outline-offset: 2px; border-radius: 2px;
}

/* TOP BAR */
.top-bar {
  background: var(--sky-ddk);
  height: var(--top-h);
  display: flex; align-items: center; padding: 0 24px;
}
.top-bar-inner {
  max-width: 1280px; width: 100%; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
}
.top-notice { font-size: 13px; color: #B8E4F5; font-weight: 400; display: flex; align-items: center; gap: 6px; flex-shrink: 0; }
.top-notice i { color: #FFD580; font-size: 12px; }
.ticker-wrap { flex: 1; overflow: hidden; position: relative; height: 20px; }
.ticker-fade-l, .ticker-fade-r { position: absolute; top: 0; bottom: 0; width: 40px; z-index: 1; pointer-events: none; }
.ticker-fade-l { left: 0; background: linear-gradient(to right, var(--sky-ddk), transparent); }
.ticker-fade-r { right: 0; background: linear-gradient(to left, var(--sky-ddk), transparent); }
.ticker-track { display: flex; gap: 60px; animation: ticker 24s linear infinite; width: max-content; white-space: nowrap; }
.ticker-track:hover { animation-play-state: paused; }
@keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }
.ticker-item { font-size: 13px; color: #CCF0FF; font-weight: 500; display: flex; align-items: center; gap: 6px; text-decoration: none; transition: color 0.2s; }
.ticker-item:hover { color: var(--white); }
.ticker-item i { font-size: 9px; opacity: 0.6; }
.top-bar-actions { display: flex; gap: 8px; flex-shrink: 0; }
.top-link { font-size: 12px; color: #B8E4F5; text-decoration: none; padding: 4px 8px; border-radius: 4px; transition: background 0.15s, color 0.15s; display: flex; align-items: center; gap: 4px; }
.top-link:hover { background: rgba(255,255,255,0.14); color: var(--white); }

/* STICKY NAV */
.site-header {
  position: sticky; top: 0; z-index: 500;
  background: var(--white);
  border-bottom: 3px solid var(--sky);
  box-shadow: 0 2px 16px rgba(14,110,154,0.10);
}
.header-inner {
  max-width: 1280px; margin: 0 auto;
  display: flex; align-items: center;
  padding: 0 24px; height: var(--nav-h); gap: 14px;
}

/* Logo */
.site-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.logo-emblem {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--sky-ddk); border: 2px solid var(--sky);
  display: flex; align-items: center; justify-content: center;
}
.logo-emblem-text { font-family: 'Lora', serif; font-size: 13px; font-weight: 700; color: var(--white); }
.logo-text-group { display: flex; flex-direction: column; }
.logo-name-en { font-family: 'Lora', serif; font-size: 14px; font-weight: 700; color: var(--sky-ddk); line-height: 1.25; }
.logo-name-en span { color: var(--sky-dk); }
.logo-name-mr { font-family: 'Tiro Devanagari Marathi', serif; font-size: 10px; color: var(--gray-400); font-style: italic; line-height: 1.3; }

/* Nav */
.main-nav { flex: 1; display: flex; justify-content: flex-end; align-items: center; gap: 0; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px;
  padding: 0 10px; height: var(--nav-h);
  font-size: 13px; font-weight: 600;
  color: var(--gray-700); text-decoration: none;
  transition: color 0.2s, background 0.2s;
  border-bottom: 3px solid transparent;
  white-space: nowrap; cursor: pointer;
  background: none; border-top: none; border-left: none; border-right: none;
  font-family: 'Source Sans 3', sans-serif;
}
.nav-link:hover, .nav-link[aria-expanded="true"] { color: var(--sky-ddk); background: var(--sky-lt); border-bottom-color: var(--sky); }
.nav-link.active { color: var(--sky-ddk); border-bottom-color: var(--sky-dk); font-weight: 700; }
.nav-link .chevron { width: 11px; height: 11px; transition: transform 0.2s; }
.nav-link[aria-expanded="true"] .chevron { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute; top: calc(100% + 2px); left: 0;
  background: var(--white); border: 1.5px solid var(--sky-mid);
  border-top: 3px solid var(--sky-dk); border-radius: 0 0 8px 8px;
  min-width: 226px; z-index: 200; padding: 6px 0;
  box-shadow: 0 8px 28px rgba(14,110,154,0.13);
  opacity: 0; transform: translateY(-8px); pointer-events: none;
  transition: opacity 0.18s, transform 0.18s;
}
.nav-item:hover .dropdown, .dropdown:focus-within, .nav-item:focus-within .dropdown { opacity: 1; transform: translateY(0); pointer-events: auto; }
.dropdown a { display: flex; align-items: center; gap: 10px; padding: 10px 18px; font-size: 13.5px; font-weight: 500; color: var(--gray-700); text-decoration: none; transition: background 0.15s, color 0.15s, padding-left 0.15s; }
.dropdown a i { width: 16px; text-align: center; color: var(--sky-dk); font-size: 13px; }
.dropdown a:hover { background: var(--sky-lt); color: var(--sky-ddk); padding-left: 24px; }
.dropdown-sep { height: 1px; background: var(--gray-200); margin: 4px 0; }

/* Mobile hamburger */
.nav-hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; margin-left: auto; flex-shrink: 0; }
.nav-hamburger span { display: block; width: 24px; height: 2px; background: var(--sky-ddk); border-radius: 2px; transition: transform 0.25s, opacity 0.25s; }
.nav-hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* NOTICE BAR */
.notice-bar { background: var(--sky-lt); border-top: 2px solid var(--sky-mid); border-bottom: 2px solid var(--sky-mid); display: flex; align-items: center; overflow: hidden; height: 42px; }
.notice-label { background: var(--sky-dk); color: var(--white); font-size: 13px; font-weight: 700; padding: 0 16px; height: 100%; display: flex; align-items: center; gap: 7px; white-space: nowrap; flex-shrink: 0; }
.notice-scroll { flex: 1; overflow: hidden; white-space: nowrap; animation: noticeScroll 32s linear infinite; font-size: 13px; color: var(--sky-ddk); font-weight: 500; padding-left: 16px; }
.notice-scroll:hover { animation-play-state: paused; }
@keyframes noticeScroll { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* HERO — Light Sky Blue, clean and fresh */
.hero {
  background: linear-gradient(150deg, #EAF7FF 0%, #D0EEFF 45%, #B8E6FF 100%);
  position: relative; overflow: hidden;
  min-height: 480px; display: flex; align-items: center;
  border-bottom: 3px solid var(--sky-mid);
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 80% 25%, rgba(102,205,245,0.30) 0%, transparent 50%),
    radial-gradient(circle at 5%  85%, rgba(26,158,212,0.10)  0%, transparent 45%);
}
.hero::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--sky-dk), var(--sky), transparent 70%); }

.hero-deco { position: absolute; right: -60px; top: 50%; transform: translateY(-50%); width: 400px; height: 400px; opacity: 0.10; }
.hero-inner {
  max-width: 1280px; margin: 0 auto;
  width: 100%; padding: 52px 24px;
  display: grid; grid-template-columns: 1.1fr 0.9fr;
  gap: 40px; align-items: center; position: relative; z-index: 1;
}
.hero-tag {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(14,110,154,0.10); border: 1px solid rgba(14,110,154,0.22);
  color: var(--sky-ddk); font-size: 12px; font-weight: 700;
  padding: 5px 14px; border-radius: 20px; letter-spacing: 0.06em;
  margin-bottom: 14px; text-transform: uppercase;
}
.hero-title { font-family: 'Lora', serif; font-size: clamp(26px, 3.5vw, 44px); font-weight: 700; line-height: 1.2; color: var(--sky-ddk); margin-bottom: 12px; }
.hero-title .accent { color: var(--sky-dk); }
.hero-subtitle { font-family: 'Tiro Devanagari Marathi', serif; font-size: 17px; color: var(--sky-ddk); margin-bottom: 10px; line-height: 1.55; opacity: 0.85; }
.hero-desc { font-size: 15px; color: var(--gray-700); line-height: 1.7; margin-bottom: 24px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }

.btn-primary { display: inline-flex; align-items: center; gap: 8px; background: var(--sky-ddk); color: var(--white); padding: 13px 26px; border-radius: 7px; font-size: 15px; font-weight: 700; text-decoration: none; transition: background 0.2s, transform 0.15s; font-family: 'Source Sans 3', sans-serif; }
.btn-primary:hover { background: var(--sky-dk); transform: translateY(-1px); }
.btn-outline { display: inline-flex; align-items: center; gap: 8px; background: transparent; color: var(--sky-ddk); border: 2px solid var(--sky-dk); padding: 13px 26px; border-radius: 7px; font-size: 15px; font-weight: 700; text-decoration: none; transition: background 0.2s, color 0.2s; font-family: 'Source Sans 3', sans-serif; }
.btn-outline:hover { background: var(--sky-dk); color: var(--white); }

/* Hero stats */
.hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-top: 26px; }
.stat-card { background: rgba(255,255,255,0.75); border: 1.5px solid rgba(102,205,245,0.5); border-radius: 10px; padding: 14px 10px; text-align: center; }
.stat-num { font-family: 'Lora', serif; font-size: 24px; font-weight: 700; color: var(--sky-ddk); line-height: 1; margin-bottom: 4px; }
.stat-label { font-size: 12px; color: var(--sky-dk); font-weight: 600; }

/* Hero visual */
.hero-visual { display: flex; flex-direction: column; gap: 14px; }
.atm-card-visual { display: flex; flex-direction: column; gap: 14px; }
.atm-card {
  background: linear-gradient(135deg, var(--sky-ddk) 0%, var(--sky-dk) 55%, var(--sky) 100%);
  border-radius: 18px; padding: 22px 24px 20px;
  position: relative; overflow: hidden;
  box-shadow: 0 14px 36px rgba(14,110,154,0.28), 0 4px 12px rgba(0,0,0,0.10);
  min-height: 160px;
}
.atm-card-top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 18px; }
.atm-chip { width: 36px; height: 28px; background: linear-gradient(135deg, #D4A820, #F5D690, #A07010); border-radius: 5px; display: flex; flex-direction: column; justify-content: center; gap: 4px; padding: 4px 5px; box-shadow: 0 2px 6px rgba(0,0,0,0.25); }
.chip-line { height: 2px; background: rgba(14,110,154,0.4); border-radius: 1px; }
.atm-wifi { color: rgba(255,255,255,0.8); font-size: 18px; }
.atm-number { font-family: 'Lora', serif; font-size: 17px; color: var(--white); letter-spacing: 3px; font-weight: 600; margin-bottom: 16px; text-shadow: 0 1px 4px rgba(0,0,0,0.2); }
.atm-card-bottom { display: flex; align-items: flex-end; gap: 18px; }
.atm-label { font-size: 9px; color: rgba(255,255,255,0.65); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 2px; }
.atm-value { font-size: 12px; color: var(--white); font-weight: 700; }
.rupay-logo { margin-left: auto; font-family: 'Lora', serif; font-size: 13px; font-weight: 700; color: var(--white); background: rgba(0,0,0,0.18); padding: 4px 10px; border-radius: 4px; border: 1px solid rgba(255,255,255,0.3); }
.atm-circle-1 { position: absolute; right: -30px; top: -30px; width: 130px; height: 130px; border-radius: 50%; background: rgba(255,255,255,0.08); }
.atm-circle-2 { position: absolute; right: 30px; bottom: -40px; width: 100px; height: 100px; border-radius: 50%; background: rgba(255,255,255,0.05); }
.atm-tags-row { display: flex; gap: 6px; flex-wrap: wrap; }
.atm-tag { display: inline-flex; align-items: center; gap: 5px; background: rgba(14,110,154,0.10); border: 1px solid var(--sky-mid); color: var(--sky-ddk); font-size: 11px; font-weight: 700; padding: 5px 11px; border-radius: 20px; }
.atm-tag i { font-size: 10px; }

.quick-links-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.quick-link-card { background: rgba(255,255,255,0.80); border: 1.5px solid rgba(102,205,245,0.45); border-radius: 10px; padding: 13px; display: flex; align-items: center; gap: 10px; text-decoration: none; transition: background 0.2s, border-color 0.2s; }
.quick-link-card:hover { background: var(--white); border-color: var(--sky-dk); }
.quick-link-icon { width: 36px; height: 36px; border-radius: 8px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.quick-link-icon.gold  { background: var(--gold-lt); }
.quick-link-icon.green { background: var(--green-lt); }
.quick-link-icon.gold  i { color: var(--gold); font-size: 15px; }
.quick-link-icon.green i { color: var(--green); font-size: 15px; }
.quick-link-text { font-size: 13px; color: var(--sky-ddk); font-weight: 700; line-height: 1.3; }
.quick-link-sub  { font-size: 11px; color: var(--gray-400); }

/* SECTION COMMON */
.section { padding: 60px 24px; }
.section-inner { max-width: 1280px; margin: 0 auto; }
.section-eyebrow { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--sky-dk); margin-bottom: 8px; }
.section-title { font-family: 'Lora', serif; font-size: clamp(22px, 3vw, 34px); font-weight: 700; color: var(--sky-ddk); line-height: 1.25; margin-bottom: 12px; }
.section-desc { font-size: 15px; color: var(--gray-700); max-width: 600px; line-height: 1.7; }

/* SERVICES */
.services-bg { background: var(--off-wh); }
.services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 16px; margin-top: 34px; }
.service-card { background: var(--white); border: 1.5px solid var(--gray-200); border-radius: 12px; padding: 24px 20px; text-decoration: none; display: block; transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s; position: relative; overflow: hidden; }
.service-card::before { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: var(--sky-dk); transform: scaleX(0); transform-origin: left; transition: transform 0.25s; }
.service-card:hover { border-color: var(--sky-mid); transform: translateY(-4px); box-shadow: 0 10px 28px rgba(14,110,154,0.10); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; font-size: 20px; }
.service-icon.sky, .service-icon.maroon { background: var(--sky-lt); color: var(--sky-ddk); }
.service-icon.gold  { background: var(--gold-lt); color: var(--gold); }
.service-icon.green { background: var(--green-lt); color: var(--green); }
.service-name { font-size: 15px; font-weight: 700; color: var(--gray-900); margin-bottom: 7px; }
.service-desc { font-size: 13.5px; color: var(--gray-700); line-height: 1.6; }
.service-link { display: inline-flex; align-items: center; gap: 5px; margin-top: 12px; font-size: 13px; font-weight: 700; color: var(--sky-ddk); }

/* DEPOSITS */
.deposits-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; margin-top: 34px; }
.deposit-card { border-radius: 12px; padding: 24px; border: 1.5px solid; position: relative; overflow: hidden; }
.deposit-card.savings { background: var(--sky-lt); border-color: var(--sky-mid); }
.deposit-card.fixed   { background: var(--gold-lt); border-color: #E8C880; }
.deposit-card.rd      { background: var(--green-lt); border-color: #A0D8B0; }
.deposit-card.special { background: #F0FAFF; border-color: var(--sky-mid); }
.deposit-badge { position: absolute; top: 14px; right: 14px; font-size: 10px; font-weight: 700; padding: 3px 8px; border-radius: 20px; text-transform: uppercase; letter-spacing: .05em; }
.savings .deposit-badge { background: var(--sky-ddk); color: var(--white); }
.fixed   .deposit-badge { background: var(--gold); color: var(--white); }
.rd      .deposit-badge { background: var(--green); color: var(--white); }
.special .deposit-badge { background: var(--sky-dk); color: var(--white); }
.deposit-icon { font-size: 26px; margin-bottom: 10px; }
.savings .deposit-icon { color: var(--sky-ddk); }
.fixed   .deposit-icon { color: var(--gold); }
.rd      .deposit-icon { color: var(--green); }
.special .deposit-icon { color: var(--sky-dk); }
.deposit-name { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.savings .deposit-name, .special .deposit-name { color: var(--sky-ddk); }
.fixed   .deposit-name { color: #7A4A00; }
.rd      .deposit-name { color: var(--green-dk); }
.deposit-desc { font-size: 13.5px; color: var(--gray-700); line-height: 1.6; margin-bottom: 12px; }
.deposit-rate { font-family: 'Lora', serif; font-size: 22px; font-weight: 700; margin-bottom: 3px; }
.savings .deposit-rate, .special .deposit-rate { color: var(--sky-ddk); }
.fixed   .deposit-rate { color: #7A4A00; }
.rd      .deposit-rate { color: var(--green-dk); }
.deposit-rate-label { font-size: 12px; color: var(--gray-400); }

/* DIGITAL BANKING */
.digital-bg { background: linear-gradient(135deg, var(--sky-ddk) 0%, var(--sky-dk) 100%); }
.digital-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
.feature-list { margin-top: 22px; display: flex; flex-direction: column; gap: 13px; }
.feature-item { display: flex; align-items: flex-start; gap: 14px; padding: 14px; background: rgba(255,255,255,0.10); border: 1px solid rgba(255,255,255,0.18); border-radius: 10px; }
.feature-icon-wrap { width: 40px; height: 40px; border-radius: 8px; background: rgba(255,255,255,0.15); flex-shrink: 0; display: flex; align-items: center; justify-content: center; }
.feature-icon-wrap i { font-size: 16px; color: var(--white); }
.feature-title { font-size: 15px; font-weight: 700; color: var(--white); margin-bottom: 2px; }
.feature-desc { font-size: 13px; color: rgba(255,255,255,0.72); line-height: 1.5; }

/* Phone mockup */
.phone-mockup { background: rgba(255,255,255,0.12); border: 1.5px solid rgba(255,255,255,0.25); border-radius: 32px; padding: 18px; max-width: 276px; margin: 0 auto; }
.phone-screen { background: var(--white); border-radius: 20px; overflow: hidden; }
.phone-topbar { background: var(--sky-ddk); padding: 12px 16px; display: flex; align-items: center; justify-content: space-between; }
.phone-topbar-title { font-size: 12px; font-weight: 700; color: var(--white); }
.phone-balance-section { padding: 16px; background: var(--sky-lt); }
.phone-balance-label { font-size: 11px; color: var(--gray-700); font-weight: 500; margin-bottom: 3px; }
.phone-balance-amount { font-family: 'Lora', serif; font-size: 24px; font-weight: 700; color: var(--sky-ddk); }
.phone-menu { display: grid; grid-template-columns: repeat(4,1fr); gap: 8px; padding: 13px; }
.phone-menu-item { text-align: center; }
.phone-menu-icon { width: 34px; height: 34px; border-radius: 10px; display: flex; align-items: center; justify-content: center; margin: 0 auto 4px; }
.phone-menu-icon.maroon, .phone-menu-icon.sky { background: var(--sky-lt); }
.phone-menu-icon.gold  { background: var(--gold-lt); }
.phone-menu-icon.green { background: var(--green-lt); }
.phone-menu-icon.cream { background: #F0FAFF; }
.phone-menu-icon i { font-size: 13px; }
.phone-menu-icon.maroon i, .phone-menu-icon.sky i { color: var(--sky-ddk); }
.phone-menu-icon.gold  i { color: var(--gold); }
.phone-menu-icon.green i { color: var(--green); }
.phone-menu-icon.cream i { color: var(--sky-dk); }
.phone-menu-label { font-size: 8px; color: var(--gray-700); font-weight: 600; }
.phone-recent { padding: 0 13px 13px; }
.phone-recent-title { font-size: 11px; font-weight: 700; color: var(--gray-900); margin-bottom: 7px; }
.txn { display: flex; align-items: center; gap: 8px; padding: 6px 0; border-bottom: 1px solid var(--gray-50); }
.txn-icon { width: 28px; height: 28px; border-radius: 7px; background: var(--gray-50); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.txn-name { font-size: 11px; font-weight: 600; color: var(--gray-900); }
.txn-date { font-size: 9px; color: var(--gray-400); }
.txn-amt { margin-left: auto; font-size: 11px; font-weight: 700; }
.txn-amt.cr { color: var(--green); }
.txn-amt.dr { color: #C02020; }

/* LOANS */
.loans-bg { background: var(--off-wh); }
.loans-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(175px, 1fr)); gap: 14px; margin-top: 34px; }
.loan-card { background: var(--white); border: 1.5px solid var(--gray-200); border-radius: 12px; padding: 22px 16px; text-align: center; text-decoration: none; display: block; transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s; }
.loan-card:hover { border-color: var(--sky-mid); transform: translateY(-3px); box-shadow: 0 8px 24px rgba(14,110,154,0.10); }
.loan-icon { width: 50px; height: 50px; border-radius: 50%; background: var(--sky-lt); display: flex; align-items: center; justify-content: center; margin: 0 auto 12px; font-size: 20px; color: var(--sky-ddk); }
.loan-name { font-size: 14px; font-weight: 700; color: var(--gray-900); margin-bottom: 5px; }
.loan-rate { font-family: 'Lora', serif; font-size: 20px; font-weight: 700; color: var(--sky-ddk); }
.loan-rate-label { font-size: 11px; color: var(--gray-400); }

/* OFFERS */
.offers-section { background: var(--white); }
.offers-top-row { display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; flex-wrap: wrap; margin-bottom: 26px; }
.offers-top-right { display: flex; flex-direction: column; align-items: flex-end; gap: 8px; }
.offer-eyebrow-pill { display: inline-flex; align-items: center; gap: 7px; background: var(--sky-lt); border: 1px solid var(--sky-mid); color: var(--sky-ddk); font-size: 12px; font-weight: 700; padding: 5px 14px; border-radius: 20px; margin-bottom: 10px; }
.offers-explore-btn { display: inline-flex; align-items: center; gap: 8px; background: var(--sky-ddk); color: var(--white); padding: 11px 22px; border-radius: 7px; font-size: 14px; font-weight: 700; text-decoration: none; transition: background .2s; font-family: 'Source Sans 3', sans-serif; }
.offers-explore-btn:hover { background: var(--sky-dk); }
.offers-slider-shell { display: flex; align-items: center; gap: 10px; }
.offers-viewport { flex: 1; overflow: hidden; border-radius: 12px; }
.offers-track { display: flex; gap: 14px; transition: transform .45s cubic-bezier(.4,0,.2,1); will-change: transform; }
.offers-nav { width: 38px; height: 38px; border-radius: 50%; flex-shrink: 0; background: var(--white); color: var(--sky-ddk); border: 1.5px solid var(--gray-200); display: flex; align-items: center; justify-content: center; cursor: pointer; font-size: 13px; transition: background .18s, border-color .18s, color .18s; box-shadow: 0 2px 8px rgba(0,0,0,.07); }
.offers-nav:hover { background: var(--sky-ddk); color: var(--white); border-color: var(--sky-ddk); }
.offers-nav:disabled { opacity: .3; cursor: not-allowed; }
.offers-progress-bar { height: 2px; background: var(--gray-200); border-radius: 2px; margin-top: 14px; overflow: hidden; }
.offers-progress-fill { height: 100%; background: var(--sky-dk); border-radius: 2px; transition: width .45s linear; width: 0%; }
.offers-dots { display: flex; justify-content: center; gap: 7px; margin-top: 12px; align-items: center; }
.offers-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gray-200); border: none; cursor: pointer; padding: 0; transition: background .2s, width .25s, border-radius .25s; }
.offers-dot.active { background: var(--sky-dk); width: 20px; border-radius: 4px; }
.offer-card { flex: 0 0 calc(25% - 11px); background: var(--white); border-radius: 12px; overflow: hidden; border: 1px solid var(--gray-200); transition: transform .2s, box-shadow .2s; cursor: pointer; }
.offer-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(14,110,154,0.12); border-color: var(--sky-mid); }
.offer-img { height: 148px; position: relative; display: flex; align-items: center; justify-content: center; overflow: hidden; }
.offer-glass { position: absolute; inset: 0; z-index: 2; pointer-events: none; background: linear-gradient(135deg, rgba(255,255,255,.18) 0%, rgba(255,255,255,0) 55%, rgba(255,255,255,.08) 100%); }
.offer-shine { position: absolute; top: -40%; left: -60%; width: 55%; height: 160%; background: linear-gradient(105deg, rgba(255,255,255,0) 40%, rgba(255,255,255,.22) 50%, rgba(255,255,255,0) 60%); z-index: 3; pointer-events: none; animation: offerShine 3.5s ease-in-out infinite; }
@keyframes offerShine { 0%,100%{left:-60%} 60%{left:110%} }
.offer-icon { font-size: 38px; position: relative; z-index: 4; filter: drop-shadow(0 2px 8px rgba(0,0,0,.22)); }
.offer-brand { position: absolute; bottom: 10px; left: 10px; z-index: 5; background: rgba(0,0,0,.50); backdrop-filter: blur(6px); color: #fff; font-size: 12px; font-weight: 700; padding: 4px 10px; border-radius: 6px; }
.offer-body { padding: 12px 14px; display: flex; align-items: center; gap: 10px; }
.offer-desc { flex: 1; font-size: 12.5px; color: var(--gray-700); line-height: 1.5; font-weight: 500; }
.offer-arrow { flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%; background: var(--sky-lt); color: var(--sky-ddk); display: flex; align-items: center; justify-content: center; text-decoration: none; font-size: 11px; transition: background .18s, color .18s; }
.offer-arrow:hover { background: var(--sky-ddk); color: var(--white); }

/* CONTACT */
.contact-section { background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-top: 34px; }
.contact-form { display: flex; flex-direction: column; gap: 13px; }
.form-group { display: flex; flex-direction: column; gap: 5px; }
.form-label { font-size: 14px; font-weight: 600; color: var(--gray-900); }
.form-input, .form-select, .form-textarea { width: 100%; padding: 11px 14px; border: 1.5px solid var(--gray-200); border-radius: 7px; font-size: 15px; color: var(--gray-900); background: var(--white); font-family: 'Source Sans 3', sans-serif; transition: border-color 0.2s; }
.form-input:focus, .form-select:focus, .form-textarea:focus { outline: var(--focus-ring); outline-offset: 1px; border-color: var(--sky-dk); }
.form-textarea { resize: vertical; min-height: 100px; }
.form-submit { background: var(--sky-ddk); color: var(--white); border: none; padding: 13px 28px; border-radius: 7px; font-size: 15px; font-weight: 700; cursor: pointer; font-family: 'Source Sans 3', sans-serif; align-self: flex-start; display: flex; align-items: center; gap: 8px; transition: background 0.2s; }
.form-submit:hover { background: var(--sky-dk); }
.contact-info { display: flex; flex-direction: column; gap: 14px; }
.contact-info-card { background: var(--off-wh); border-radius: 12px; padding: 16px 18px; display: flex; gap: 14px; align-items: flex-start; border-left: 3px solid var(--sky-dk); }
.contact-info-icon { width: 40px; height: 40px; border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-info-icon.maroon, .contact-info-icon.sky { background: var(--sky-lt); color: var(--sky-ddk); }
.contact-info-icon.gold  { background: var(--gold-lt); color: var(--gold); }
.contact-info-icon.green { background: var(--green-lt); color: var(--green); }
.contact-info-icon i { font-size: 16px; }
.contact-info-label { font-size: 11px; color: var(--gray-400); font-weight: 700; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 3px; }
.contact-info-value { font-size: 14px; font-weight: 600; color: var(--gray-900); line-height: 1.5; }
.contact-info-value a { color: var(--sky-ddk); text-decoration: none; }
.contact-info-value a:hover { text-decoration: underline; }

/* FOOTER */
footer { background: var(--sky-ddk); color: var(--white); padding: 48px 24px 0; }
.footer-inner { max-width: 1280px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; }
.footer-about-desc { font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.7; margin: 12px 0; }
.footer-tagline { font-family: 'Tiro Devanagari Marathi', serif; font-size: 14px; color: var(--sky); font-style: italic; }
.footer-col-title { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--sky); margin-bottom: 14px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.footer-links a { font-size: 13.5px; color: rgba(255,255,255,0.65); text-decoration: none; transition: color .15s; display: flex; align-items: center; gap: 6px; }
.footer-links a:hover { color: var(--white); }
.footer-links a i { font-size: 10px; color: var(--sky-mid); }
.footer-bottom { max-width: 1280px; margin: 36px auto 0; border-top: 1px solid rgba(255,255,255,0.12); padding: 16px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-copy { font-size: 13px; color: rgba(255,255,255,0.45); }
.footer-reg  { font-size: 12px; color: rgba(255,255,255,0.35); }
.footer-links-row { display: flex; gap: 18px; }
.footer-links-row a { font-size: 13px; color: rgba(255,255,255,0.45); text-decoration: none; }
.footer-links-row a:hover { color: var(--white); }

/* ACCESSIBILITY */
.a11y-panel { position: fixed; bottom: 20px; right: 20px; z-index: 1000; display: flex; flex-direction: column; gap: 8px; }
.a11y-btn { background: var(--sky-ddk); color: var(--white); border: 2px solid rgba(102,205,245,0.3); border-radius: 50%; width: 46px; height: 46px; display: flex; align-items: center; justify-content: center; cursor: pointer; font-size: 17px; box-shadow: 0 4px 14px rgba(14,110,154,0.28); transition: transform .15s, background .15s; }
.a11y-btn:hover { background: var(--sky-dk); transform: scale(1.1); }
body.high-contrast { --sky-ddk: #003A5C; --sky-dk: #005F8A; --sky: #00A0D4; filter: contrast(1.15); }
body.large-text { font-size: 19px; }

/* MOBILE NAV OVERLAY */
.main-nav.open { display: flex; flex-direction: column; position: fixed; top: 0; left: 0; right: 0; bottom: 0; background: var(--white); z-index: 9999; overflow-y: auto; align-items: stretch; gap: 0; }
.main-nav.open .nav-item { width: 100%; border-bottom: 1px solid var(--gray-200); }
.main-nav.open .nav-link { height: auto; padding: 14px 24px; border-bottom: none; width: 100%; justify-content: space-between; font-size: 15px; color: var(--sky-ddk); }
.main-nav.open .nav-link:hover, .main-nav.open .nav-link.active { background: var(--sky-lt); border-bottom-color: transparent; }
.main-nav.open .dropdown { position: static; opacity: 1; transform: none; pointer-events: auto; border: none; border-top: 1px solid var(--gray-200); box-shadow: none; border-radius: 0; padding: 4px 0 4px 16px; background: var(--off-wh); display: none; }
.main-nav.open .nav-item.expanded .dropdown { display: block; }
.main-nav.open .dropdown a { padding: 11px 24px; font-size: 14px; border-bottom: 1px solid var(--gray-200); }
.main-nav.open .dropdown a:last-child { border-bottom: none; }

/* RESPONSIVE */
@media (max-width: 1100px) {
  .nav-link { padding: 0 8px; font-size: 12.5px; }
  .header-inner { gap: 8px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 28px; padding: 44px 24px; }
  .hero-visual { display: none; }
  .digital-inner { grid-template-columns: 1fr; gap: 28px; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .deposits-grid { grid-template-columns: repeat(2, 1fr); }
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .offer-card { flex: 0 0 calc(33.33% - 10px); }
}
@media (max-width: 768px) {
  .main-nav { display: none; }
  .nav-hamburger { display: flex; }
  .header-inner { padding: 0 16px; height: 60px; }
  .logo-emblem { width: 42px; height: 42px; }
  .logo-emblem-text { font-size: 11px; }
  .logo-name-en { font-size: 12px; }
  .logo-name-mr { display: none; }
  .top-notice { display: none; }
  .top-bar { padding: 0 16px; }
  .hero-inner { padding: 36px 16px; }
  .hero-title { font-size: clamp(22px, 6.5vw, 30px); }
  .hero-desc { font-size: 14px; }
  .hero-actions { gap: 10px; }
  .btn-primary, .btn-outline { padding: 11px 20px; font-size: 14px; }
  .stat-card { padding: 11px 6px; }
  .stat-num { font-size: 20px; }
  .stat-label { font-size: 11px; }
  .section { padding: 40px 16px; }
  .section-title { font-size: 22px; }
  .services-grid { grid-template-columns: 1fr; gap: 12px; }
  .deposits-grid { grid-template-columns: 1fr; gap: 12px; }
  .loans-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .offer-card { flex: 0 0 calc(50% - 7px); }
  .offers-top-row { flex-direction: column; align-items: flex-start; }
  .offers-top-right { align-items: flex-start; }
  .offers-explore-btn { width: 100%; justify-content: center; }
  .offers-nav { width: 32px; height: 32px; font-size: 11px; }
  .notice-bar { height: auto; min-height: 40px; }
  .notice-label { padding: 10px 12px; font-size: 12px; }
  .contact-info-card { padding: 13px 15px; }
  .footer-inner { grid-template-columns: 1fr; gap: 22px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 7px; }
  .footer-links-row { flex-wrap: wrap; gap: 10px; }
  .phone-mockup { max-width: 240px; }
}
@media (max-width: 480px) {
  .loans-grid { grid-template-columns: 1fr; }
  .offer-card { flex: 0 0 100%; }
  .hero-actions { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; justify-content: center; }
  .quick-links-row { grid-template-columns: 1fr; }
  .section { padding: 32px 14px; }
  .header-inner { padding: 0 14px; }
  .top-bar { padding: 0 14px; }
  .hero-inner { padding: 30px 14px; }
}