*{margin:0;padding:0;box-sizing:border-box;font-family:'Poppins',sans-serif}
:root{
  --primary:#0a4d8c;
  --primary-dark:#073563;
  --accent:#f59e0b;
  --bg:#f7fafc;
  --text:#1f2937;
  --muted:#6b7280;
  --white:#fff;
  --shadow:0 10px 30px rgba(10,77,140,.08);
}
body{background:var(--bg);color:var(--text);line-height:1.6}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
a{text-decoration:none;color:inherit}
img{max-width:100%}

/* Buttons */
.btn{display:inline-block;padding:12px 26px;border-radius:8px;font-weight:600;cursor:pointer;border:none;transition:.25s;font-size:15px}
.btn-primary{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;box-shadow:0 6px 18px rgba(10,77,140,.35)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(10,77,140,.45)}
.btn-outline{border:2px solid var(--primary);color:var(--primary);background:transparent}
.btn-outline:hover{background:var(--primary);color:#fff}
.btn-light{background:#fff;color:var(--primary)}
.full{width:100%}

/* Navbar */
.navbar{position:sticky;top:0;background:#fff;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.05)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 20px}
.logo{font-size:24px;font-weight:800;color:var(--primary)}
.logo span{color:var(--accent)}
.nav-links{display:flex;list-style:none;gap:28px}
.nav-links a{font-weight:500;color:var(--text)}
.nav-links a:hover{color:var(--primary)}

/* Hero */
.hero{background:linear-gradient(135deg,#e8f1fb 0%,#fff 60%);padding:70px 0 90px}
.hero-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:50px;align-items:center}
.badge{background:rgba(245,158,11,.15);color:#b45309;padding:6px 14px;border-radius:30px;font-size:13px;font-weight:600;display:inline-block;margin-bottom:18px}
.hero h1{font-size:48px;line-height:1.15;font-weight:800;margin-bottom:18px;color:var(--primary-dark)}
.accent{color:var(--accent)}
.hero p{font-size:17px;color:var(--muted);margin-bottom:28px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:36px}
.hero-stats{display:flex;gap:30px}
.hero-stats h3{font-size:26px;color:var(--primary);font-weight:700}
.hero-stats p{font-size:13px;color:var(--muted);margin:0}

.hero-card{background:#fff;padding:32px;border-radius:16px;box-shadow:var(--shadow)}
.hero-card h3{margin-bottom:18px;color:var(--primary-dark);font-size:22px}
.hero-card input,.hero-card select{width:100%;padding:13px 14px;border:1px solid #e5e7eb;border-radius:8px;margin-bottom:12px;font-size:15px;outline:none}
.hero-card input:focus,.hero-card select:focus{border-color:var(--primary)}

/* Sections */
section{padding:80px 0}
.section-head{text-align:center;margin-bottom:50px}
.section-head h2{font-size:36px;color:var(--primary-dark);margin-bottom:10px;font-weight:700}
.section-head p{color:var(--muted);font-size:16px}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;padding:30px;border-radius:14px;box-shadow:var(--shadow);transition:.3s;border-top:4px solid transparent}
.card:hover{transform:translateY(-6px);border-top-color:var(--accent)}
.card .icon{font-size:42px;margin-bottom:14px}
.card h3{color:var(--primary-dark);margin-bottom:8px;font-size:20px}
.card p{color:var(--muted);margin-bottom:14px}
.rate{color:var(--accent);font-weight:700;font-size:14px}

/* Why */
.why{background:#fff}
.features{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.feature{text-align:center;padding:30px 20px;border-radius:14px;background:var(--bg);transition:.3s}
.feature:hover{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff}
.feature:hover h4,.feature:hover p{color:#fff}
.ficon{font-size:38px;margin-bottom:12px}
.feature h4{color:var(--primary-dark);margin-bottom:6px}
.feature p{color:var(--muted);font-size:14px}

/* Calculator */
.calculator{background:linear-gradient(135deg,#f0f7ff,#fff)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.calc-grid h2{font-size:34px;color:var(--primary-dark);margin-bottom:12px}
.calc-grid p{color:var(--muted);margin-bottom:18px}
.check-list{list-style:none;color:var(--text)}
.check-list li{padding:6px 0;color:var(--primary)}
.calc-card{background:#fff;padding:32px;border-radius:16px;box-shadow:var(--shadow)}
.calc-card label{display:block;margin-bottom:14px;font-weight:500;color:var(--text)}
.calc-card input{width:100%;padding:12px;border:1px solid #e5e7eb;border-radius:8px;margin-top:6px;font-size:15px;outline:none}
.calc-card input:focus{border-color:var(--primary)}
.emi-result{margin-top:18px;padding:18px;background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;border-radius:10px;text-align:center;font-weight:600;font-size:18px}
.emi-result span{color:var(--accent);font-size:22px;margin-left:6px}

/* Testimonials */
.testimonials{background:#fff}
.testimonial{border-top:none;border-left:4px solid var(--accent)}
.testimonial p{font-style:italic;color:var(--text);margin-bottom:14px}
.testimonial h4{color:var(--primary);font-size:14px}

/* CTA */
.cta-band{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;padding:50px 0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-inner h2{font-size:28px}

/* Contact */
.contact{background:var(--bg)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px}
.contact h2{font-size:34px;color:var(--primary-dark);margin-bottom:12px}
.contact-list{list-style:none;margin-top:20px}
.contact-list li{padding:10px 0;color:var(--text);border-bottom:1px dashed #d1d5db}
.contact-form{background:#fff;padding:32px;border-radius:16px;box-shadow:var(--shadow)}
.contact-form input,.contact-form textarea{width:100%;padding:13px;border:1px solid #e5e7eb;border-radius:8px;margin-bottom:12px;font-family:inherit;font-size:15px;outline:none}
.contact-form input:focus,.contact-form textarea:focus{border-color:var(--primary)}

/* Footer */
.footer{background:#0b1c33;color:#cbd5e1;padding:60px 0 20px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px;margin-bottom:30px}
.footer h4{color:#fff;margin-bottom:14px}
.footer a{display:block;color:#cbd5e1;padding:4px 0;font-size:14px}
.footer a:hover{color:var(--accent)}
.footer .logo{color:#fff}
.copyright{text-align:center;border-top:1px solid #1e3a5f;padding-top:20px;font-size:14px;color:#94a3b8}

/* Responsive */
@media (max-width:900px){
  .hero-grid,.calc-grid,.contact-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:repeat(2,1fr)}
  .features{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:36px}
  .nav-links{display:none}
}
@media (max-width:560px){
  .cards,.features,.footer-grid{grid-template-columns:1fr}
  .hero-stats{flex-wrap:wrap;gap:18px}
  .section-head h2{font-size:28px}
}