:root {
    /* --- BANKBAZAR-LIKE PALETTE --- */
    --bb-primary: #003349;        /* header/hero dark teal (like top banner) */
    --bb-primary-dark: #001c2a;   /* deepest teal for text/overlays */
    --bb-secondary: #014f86;      /* support blue (for cards, gradients) */
    --bb-accent: #ffb703;         /* yellow buttons / highlights */
    --bb-accent-dark: #f29b02;
    --bb-bg: #f5f7fb;             /* light page background */
    --bb-card-bg: #ffffff;
    --bb-text: #102a43;
    --bb-muted: #7b8794;
    --bb-border: #d8e0ec;
    --bb-success: #22c55e;
    --bb-footer: #01141f;         /* footer-style deep blue */
  }
  
  * {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }
  
  body {
    font-family: "Poppins", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
      sans-serif;
    background: var(--bb-bg);
    color: var(--bb-text);
  }
  
  .page-wrapper {
    min-height: 100vh;
    max-width: 1080px;
    margin: 24px auto;
    padding: 0 24px 40px;  /* top/bottom spacing yahan control hoga */
    display: block;
    background: rgba(255, 255, 255, 0.96);
    border-radius: 18px;
  }
  
  .hero {
    width: 100%;
    margin-bottom: 24px; 
  }
  
  /* LEFT: FORM SIDE */
  .hero-left {
    padding: 32px 32px 28px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
  }
  
  /* TOP BRAND BAR (OTP PAGE) */
  .brand-bar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 28px;
    background: #0d3642;
    box-sizing: border-box;
    padding: 20px;
    border-radius: 50px;
  }
  
  .brand-bar .logo {
    display: flex;
    align-items: center;
    gap: 10px;
  }
  
  .brand-bar .logo img {
    height: 38px;
  }
  
  .brand-bar .logo-text {
    font-weight: 700;
    font-size: 22px;
    line-height: 1;
    color: var(--bb-primary);
  }
  
  .brand-bar .logo-text span {
    color: var(--bb-accent);
  }
  
  .trust-chip {
    padding: 5px 12px;
    border-radius: 999px;
    font-size: 11px;
    background: rgba(34, 197, 94, 0.1);
    color: var(--bb-success);
    display: flex;
    align-items: center;
    gap: 6px;
    font-weight: 500;
    white-space: nowrap;
  }
  
  .trust-chip-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--bb-success);
  }
  
  .form-area {
    margin-top: 4px;
  }
  
  .form-area h2 {
    font-size: 22px;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--bb-primary-dark);
  }
  
  .form-area p.subtext {
    font-size: 13px;
    color: var(--bb-muted);
    margin-bottom: 22px;
  }
  
  .mobile-row-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 6px;
    font-size: 13px;
    color: var(--bb-muted);
  }
  
  .mobile-row-label .main-label {
    font-weight: 600;
    font-size: 14px;
    color: var(--bb-text);
  }
  
  .mobile-input-row {
    display: flex;
    align-items: stretch;
    border-radius: 999px;
    border: 1px solid var(--bb-border);
    overflow: hidden;
    background: #fff;
    box-shadow: 0 5px 16px rgba(0, 0, 0, 0.08);
    width: 100%;
  }
  
  .flag-box {
    display: flex;
    align-items: center;
    padding: 0 14px;
    gap: 8px;
    border-right: 1px solid var(--bb-border);
    background: #f1f5f9;
    font-size: 13px;
    color: var(--bb-muted);
    white-space: nowrap;
  }
  
  .flag-box span.flag-emoji {
    font-size: 18px;
  }
  
  .flag-box span.code {
    font-weight: 500;
    color: var(--bb-text);
  }
  
  .mobile-input-row input {
    flex: 1;
    border: none;
    padding: 12px 14px;
    font-size: 14px;
    outline: none;
    background: transparent;
    color: var(--bb-text);
  }
  
  .mobile-input-row input::placeholder {
    color: #9ca3af;
  }
  
  .btn-otp {
    border: none;
    padding: 0 28px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    background: linear-gradient(135deg, var(--bb-accent), #ffd166);
    color: #1b1b1b;
    white-space: nowrap;
    transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  }
  
  .btn-otp:hover {
    transform: translateY(-1px);
    box-shadow: 0 10px 18px rgba(0, 0, 0, 0.25);
    background: linear-gradient(135deg, var(--bb-accent-dark), #ffc94a);
  }
  
  .legal-text {
    margin-top: 14px;
    font-size: 11px;
    line-height: 1.5;
    color: var(--bb-muted);
  }
  
  .legal-text strong {
    color: var(--bb-primary);
    font-weight: 600;
  }
  
  .legal-links {
    margin-top: 6px;
    font-size: 11px;
  }
  
  .legal-links a {
    color: var(--bb-secondary);
    text-decoration: none;
    font-weight: 500;
  }
  
  .legal-links a:hover {
    text-decoration: underline;
  }
  
  .bottom-row {
    margin-top: 26px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    font-size: 12px;
  }
  
  .trusted-strip {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 12px;
    color: var(--bb-muted);
  }
  
  .trusted-avatars {
    display: flex;
  }
  
  .trusted-avatars span {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #e0ebff;
    border: 1px solid #fff;
    margin-left: -6px;
  }
  
  .trusted-avatars span:first-child {
    margin-left: 0;
  }
  
  .trusted-strip strong {
    color: var(--bb-text);
  }
  
  .security-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
  }
  
  .badge-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 13px;
    border-radius: 999px;
    background: #fff7e0;
    font-size: 11px;
    color: #8a5b00;
    border: 1px solid #ffe29b;
  }
  
  .badge-pill:nth-child(2) {
    background: #e4f3ff;
    color: var(--bb-secondary);
    border-color: #c4e4ff;
  }
  
  .badge-pill .icon-lock,
  .badge-pill .icon-shield {
    width: 16px;
    height: 16px;
    border-radius: 50%;
    background: var(--bb-primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 10px;
  }
  
  /* RIGHT: CONTENT SIDE */
  .hero-right {
    padding: 32px 34px;
    background: linear-gradient(
      135deg,
      var(--bb-primary) 0%,
      var(--bb-secondary) 45%,
      #012438 100%
    );
    color: #f9fafb;
    position: relative;
    overflow: hidden;
  }
  
  .hero-right::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(circle at 0% 0%, rgba(255, 255, 255, 0.15) 0, transparent 55%),
      radial-gradient(circle at 100% 100%, rgba(255, 255, 255, 0.05) 0, transparent 60%);
    opacity: 0.9;
    pointer-events: none;
  }
  
  .hero-right-inner {
    position: relative;
    z-index: 1;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    gap: 26px;
  }
  
  .headline-block h1 {
    font-size: 30px;
    line-height: 1.25;
    margin-bottom: 10px;
    font-weight: 600;
  }
  
  .headline-block h1 span.highlight {
    color: var(--bb-accent);
  }
  
  .headline-block h1 span.brand {
    color: #ffffff;
  }
  
  .headline-block p {
    font-size: 13px;
    max-width: 380px;
    color: #e1ecff;
  }
  
  /* --- USP CAROUSEL: 2 SLIDES, EACH 4 CARDS --- */
  
  .usp-carousel {
    margin-top: 22px;
    position: relative;
    width: 100%;
  }
  
  /* Each slide: 4 cards visible in 2x2 grid */
  .usp-slide {
    display: none;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
  }
  
  .usp-slide.active {
    display: grid;
  }
  
  /* USP Card styling */
  .usp-card {
    background: rgba(0, 0, 0, 0.16);
    border-radius: 14px;
    padding: 12px 14px;
    border: 1px solid rgba(255, 255, 255, 0.14);
    backdrop-filter: blur(5px);
    -webkit-backdrop-filter: blur(5px);
  }
  
  .usp-card h3 {
    font-size: 13px;
    margin-bottom: 4px;
    font-weight: 600;
    color: #ffffff;
  }
  
  .usp-card p {
    font-size: 11px;
    line-height: 1.5;
    color: #d8e4ff;
  }
  
  .usp-card .tag {
    display: inline-block;
    margin-bottom: 6px;
    font-size: 10px;
    padding: 2px 8px;
    border-radius: 999px;
    background: rgba(255, 183, 3, 0.22);
    color: #ffe59b;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    font-weight: 600;
  }
  
  /* Carousel Dots */
  .usp-dots {
    display: flex;
    gap: 8px;
    margin-top: 18px;
  }
  
  .usp-dots span {
    width: 10px;
    height: 10px;
    border-radius: 20px;
    background: rgba(255,255,255,0.35);
    cursor: pointer;
    transition: 0.3s;
  }
  
  .usp-dots span.active {
    width: 22px;
    background: #ffffff;
  }
  
  /* OLD slider-dots (agar kahin aur use ho raha ho) */
  .slider-dots {
    display: inline-flex;
    gap: 6px;
  }
  
  .slider-dots span {
    width: 8px;
    height: 8px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.35);
  }
  
  .slider-dots span.active {
    width: 18px;
    background: #ffffff;
  }
  
  .bottom-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    font-size: 11px;
    color: #dbe7ff;
    margin-top: 16px;
  }
  
  .bottom-meta .rating {
    display: flex;
    align-items: center;
    gap: 8px;
  }
  
  .rating-stars {
    display: inline-flex;
    gap: 2px;
  }
  
  .rating-stars span {
    font-size: 13px;
    color: #ffd166;
  }
  
  /* RESPONSIVE */
  @media (max-width: 900px) {
    .hero {
      grid-template-columns: 1fr;
    }
  
    .hero-left {
      border-right: none;
      border-bottom: 1px solid var(--bb-border);
    }
  
    .hero-right {
      padding-top: 22px;
    }
  }
  
  @media (max-width: 640px) {
    .page-wrapper {
      padding: 16px;
    }
  
    .hero {
      border-radius: 14px;
    }
  
    .brand-bar {
      flex-direction: row;
      gap: 10px;
    }
  
    .brand-bar .logo-text {
      font-size: 20px;
    }
  
    .hero-right {
      padding: 20px 18px 18px;
    }
  
    .headline-block h1 {
      font-size: 24px;
    }
  
    .usp-slide {
      grid-template-columns: 1fr;
    }
  
    .bottom-meta {
      flex-direction: column;
      align-items: flex-start;
    }
  }
  
  .btn-otp:focus-visible,
  .btn-verify:focus-visible,
  .btn-submit:focus-visible,
  .logout-btn:focus-visible,
  a:focus-visible {
    outline: 2px solid var(--bb-accent);
    outline-offset: 2px;
  }
  
  .astrusteduser {
    width: 100%;
    max-width: 24px;
    height: auto;
    border-radius: 50%;
  }
  
  /* OTP FIELD UI (OTP PAGE) */
  .otp-wrapper {
    animation: fadeIn 0.3s ease-in-out;
  }
  
  .otp-label {
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 6px;
    color: var(--bb-text);
    display: block;
  }
  
  .otp-box {
    display: flex;
    gap: 12px;
    margin-bottom: 12px;
  }
  
  .otp-input {
    width: 42px;
    height: 48px;
    border-radius: 10px;
    text-align: center;
    font-size: 18px;
    border: 1px solid var(--bb-border);
    background: #fff;
    box-shadow: 0 4px 10px rgb(0 0 0 / 0.08);
  }
  
  .otp-input:focus {
    border-color: var(--bb-accent);
    outline: none;
  }
  
  .otp-resend {
    font-size: 12px;
    color: var(--bb-muted);
    margin-top: 10px;
  }
  
  .otp-resend a {
    color: var(--bb-secondary);
    font-weight: 600;
    cursor: pointer;
  }
  
  /* Verify OTP button */
  .btn-verify {
    width: 100%;
    border: none;
    padding: 10px 16px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    border-radius: 999px;
    background: linear-gradient(135deg, var(--bb-primary), var(--bb-secondary));
    color: #ffffff;
    box-shadow: 0 8px 18px rgba(0, 0, 0, 0.18);
    transition: transform 0.15s ease, box-shadow 0.15s ease;
  }
  
  .btn-verify:hover {
    transform: translateY(-1px);
    box-shadow: 0 10px 22px rgba(0, 0, 0, 0.25);
  }
  
  @keyframes fadeIn {
    from { opacity: 0; transform: translateY(4px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  
  /* ======================= */
  /* LOAN FORM PAGE ELEMENTS */
  /* ======================= */
  
  /* Top bar (logo + user info) */
  .top-bar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
  }
  
  .brand-logo {
    display: flex;
    align-items: center;
    gap: 10px;
  }
  
  .brand-logo img {
    height: 38px;
  }
  
  .user-info {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 13px;
    color: var(--bb-text);
  }
  
  .user-avatar {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #caff50;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #000;
    font-weight: 600;
    font-size: 14px;
  }
  
  .logout-btn {
    border: none;
    background: transparent;
    color: var(--bb-card-bg);
    font-size: 12px;
    cursor: pointer;
    text-decoration: underline;
  }
  
  /* Loan details form layout */
  .loan-form {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px 18px;
    margin-top: 8px;
  }
  
  .form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
  }
  
  .form-label {
    font-size: 13px;
    font-weight: 500;
    color: var(--bb-text);
  }
  
  .required {
    color: #e11d48;
    margin-left: 3px;
  }
  
  .form-control,
  .form-select {
    border-radius: 10px;
    border: 1px solid var(--bb-border);
    padding: 10px 12px;
    font-size: 13px;
    outline: none;
    background: #ffffff;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
  }
  
  .form-control:focus,
  .form-select:focus {
    border-color: var(--bb-accent);
    box-shadow: 0 0 0 1px rgba(255, 183, 3, 0.5);
  }
  
  .full-row {
    grid-column: 1 / -1;
  }
  
  .helper-text {
    font-size: 11px;
    color: var(--bb-muted);
  }
  
  .btn-submit {
    margin-top: 18px;
    width: 100%;
    border: none;
    padding: 12px 18px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    border-radius: 999px;
    background: linear-gradient(135deg, var(--bb-primary), var(--bb-secondary));
    color: #ffffff;
    box-shadow: 0 8px 18px rgba(0, 0, 0, 0.18);
    transition: transform 0.15s ease, box-shadow 0.15s ease;
  }
  
  .btn-submit:hover {
    transform: translateY(-1px);
    box-shadow: 0 10px 22px rgba(0, 0, 0, 0.25);
  }
  
  .error-text {
    font-size: 11px;
    color: #e11d48;
    margin-top: 2px;
    display: none;
  }
  
  /* Success message box */
  .success-box {
    margin-top: 20px;
    padding: 14px 16px;
    border-radius: 14px;
    background: #ecfdf3;
    border: 1px solid #bbf7d0;
    display: none;
  }
  
  .success-title {
    font-size: 14px;
    font-weight: 600;
    color: #166534;
    margin-bottom: 4px;
  }
  
  .success-text {
    font-size: 12px;
    color: #166534;
  }
  
  /* Right side info for loan form page */
  .usp-list {
    margin-top: 22px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    font-size: 12px;
    color: #d8e4ff;
  }
  
  .usp-item {
    display: flex;
    gap: 8px;
    align-items: flex-start;
  }
  
  .usp-bullet {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.6);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
  }
  
  /* Loan form responsive */
  @media (max-width: 640px) {
    .loan-form {
      grid-template-columns: 1fr;
    }
  }
  .error-text {
    font-size: 11px;
    color: #e11d48;
    margin-top: 2px;
    display: none;
  }

  .loan-range-row {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }
  
  .form-range {
    width: 100%;
  }
  
  .loan-range-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12px;
    color: var(--bb-muted);
    font-weight: 500;
  }
  
  .loan-selected {
    color: var(--bb-primary-dark);
  }
  
  .loan-min,
  .loan-max {
    opacity: 0.8;
  }

  
  /* new Css after clients change */
  /* ===========================
   EXTRA SECTIONS BELOW HERO
   =========================== */

.tb-sections-wrapper {
  margin: 0;            /* extra margin hata do */
  padding: 0; 
}

.tb-section {
  margin-bottom: 20px;
  border-radius: 18px;  /* hero jaisa hi radius */
  padding: 32px 32px 28px;
}

/* title with line left/right */
.tb-section-title {
  text-align: center;
  font-size: 16px;
  font-weight: 600;
  color: var(--bb-primary-dark);
  margin-bottom: 22px;
  position: relative;
}

.tb-section-title span {
  position: relative;
  padding: 0 18px;
  background: #ffffff;
}

.tb-section-title::before,
.tb-section-title::after {
  content: "";
  position: absolute;
  top: 50%;
  width: 35%;
  height: 1px;
  background: #e5e7f5;
}

.tb-section-title::before {
  left: 0;
}

.tb-section-title::after {
  right: 0;
}

/* Benefits cards */

.tb-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.tb-benefit-card {
  background: #e7faff;
  border-radius: 14px;
  padding: 18px 16px;
  text-align: center;
  border: 1px solid #d6f2f9;
}

.tb-benefit-icon {
  width: 40px;
  height: 40px;
  margin: 0 auto 10px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #b6edff;
  font-size: 20px;
}

.tb-benefit-card h3 {
  font-size: 14px;
  margin-bottom: 6px;
  color: var(--bb-primary-dark);
}

.tb-benefit-card p {
  font-size: 12px;
  color: var(--bb-muted);
}

/* How it works */

.tb-steps-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.tb-steps-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
}

.tb-step-number {
  width: 24px;
  height: 24px;
  border-radius: 999px;
  background: #102a43;
  color: #fff;
  font-size: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
}

.tb-step-text h3 {
  font-size: 14px;
  margin-bottom: 4px;
  color: var(--bb-primary-dark);
}

.tb-step-text p {
  font-size: 12px;
  color: var(--bb-muted);
}

/* Partners */

.tb-partners-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
  align-items: center;
}

.tb-partner-logo {
  min-width: 120px;
  padding: 12px 16px;
  border-radius: 12px;
  border: 1px solid #e5e7f5;
  background: #f9fafb;
  font-size: 12px;
  color: var(--bb-muted);
  text-align: center;
}

.tb-partner-logo img {width: 100%; height: 40px;}

/* Stats + testimonial */

.tb-stats-row {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 16px;
  border-radius: 12px;
  background: #f4f4ff;
  margin-bottom: 18px;
}

.tb-stat-block {
  flex: 1;
}

.tb-stat-block.tb-stat-right {
  text-align: right;
}

.tb-stat-label {
  display: block;
  font-size: 11px;
  color: var(--bb-muted);
  margin-bottom: 4px;
}

.tb-stat-value {
  font-size: 14px;
  font-weight: 600;
  color: #4338ca;
}

.tb-testimonial-card {
  border-radius: 14px;
  border: 1px solid #e5e7f5;
  background: #ffffff;
  padding: 16px 18px;
}

.tb-stars {
  color: #facc15;
  font-size: 16px;
  margin-bottom: 6px;
}

.tb-quote {
  font-size: 13px;
  color: var(--bb-primary-dark);
  margin-bottom: 4px;
}

.tb-quote-author {
  font-size: 12px;
  color: var(--bb-muted);
  margin-bottom: 10px;
}

.tb-seals-row {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 8px;
  flex-wrap: wrap;
}

.tb-seal {
  font-size: 11px;
  padding: 6px 10px;
  border-radius: 999px;
  border: 1px dashed #c4d0ff;
  color: #4f46e5;
  background: #eef2ff;
}

/* Note section */

.tb-note-section {
  font-size: 11px;
  line-height: 1.6;
}

.tb-note-heading {
  font-weight: 600;
  margin-bottom: 4px;
  color: var(--bb-primary-dark);
}

.tb-note-text {
  color: var(--bb-muted);
  margin-bottom: 6px;
}

/* Responsive */

@media (max-width: 768px) {
  .tb-sections-wrapper {
    padding: 0 12px;
  }

  .tb-benefits-grid {
    grid-template-columns: 1fr;
  }

  .tb-stats-row {
    flex-direction: column;
    text-align: left;
  }

  .tb-stat-block.tb-stat-right {
    text-align: left;
  }

  .tb-section {
    padding: 20px 18px;
  }

  .tb-section-title::before,
  .tb-section-title::after {
    width: 26%;
  }
}