/* SMARTAX Loan Services - Khadakwasla */
/* Mobile-first, zero dependencies, sub-30KB */

:root {
  --primary: #0a3d62;
  --primary-dark: #062c47;
  --accent: #f39c12;
  --accent-dark: #d68910;
  --text: #1a1a1a;
  --text-light: #555;
  --bg: #ffffff;
  --bg-alt: #f7f9fc;
  --border: #e1e8ed;
  --success: #27ae60;
  --whatsapp: #25d366;
  --shadow: 0 2px 8px rgba(0,0,0,0.06);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.12);
  --radius: 8px;
  --container: 1140px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  line-height: 1.6;
  background: var(--bg);
  font-size: 16px;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--accent); }
h1, h2, h3, h4 { line-height: 1.25; color: var(--primary); font-weight: 700; }
h1 { font-size: 2rem; margin-bottom: 1rem; }
h2 { font-size: 1.6rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.2rem; margin-bottom: 0.5rem; }
p { margin-bottom: 1rem; color: var(--text-light); }
.container { max-width: var(--container); margin: 0 auto; padding: 0 1.25rem; }

/* ---- Top trust strip ---- */
.trust-strip {
  background: var(--primary-dark);
  color: #fff;
  font-size: 0.85rem;
  text-align: center;
  padding: 0.5rem 1rem;
}
.trust-strip a { color: var(--accent); font-weight: 600; }

/* ---- Header ---- */
.site-header {
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 1rem; padding-bottom: 1rem;
}
.logo {
  font-size: 1.4rem; font-weight: 800; color: var(--primary);
  letter-spacing: -0.5px;
}
.logo span { color: var(--accent); }
.nav ul { display: flex; gap: 1.5rem; list-style: none; align-items: center; }
.nav a { color: var(--text); font-weight: 500; font-size: 0.95rem; }
.nav a:hover { color: var(--accent); }
.nav .cta-nav {
  background: var(--accent); color: #fff; padding: 0.6rem 1.2rem;
  border-radius: var(--radius); font-weight: 600;
}
.nav .cta-nav:hover { background: var(--accent-dark); color: #fff; }
.menu-toggle { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: var(--primary); }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  padding: 4rem 0;
}
.hero h1 { color: #fff; font-size: 2.4rem; margin-bottom: 1rem; }
.hero .tagline { font-size: 1.15rem; color: rgba(255,255,255,0.9); margin-bottom: 2rem; max-width: 700px; }
.hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; }
.btn {
  display: inline-block; padding: 0.95rem 2rem;
  border-radius: var(--radius); font-weight: 600; font-size: 1rem;
  border: none; cursor: pointer; transition: all 0.2s; text-align: center;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); color: #fff; transform: translateY(-1px); }
.btn-whatsapp { background: var(--whatsapp); color: #fff; }
.btn-whatsapp:hover { background: #1cb155; color: #fff; }
.btn-outline { background: transparent; color: #fff; border: 2px solid #fff; }
.btn-outline:hover { background: #fff; color: var(--primary); }
.hero-stats {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem;
  margin-top: 3rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-stats .stat { text-align: center; }
.hero-stats .num { font-size: 1.8rem; font-weight: 800; color: var(--accent); display: block; }
.hero-stats .lbl { font-size: 0.85rem; color: rgba(255,255,255,0.8); }

/* ---- Sections ---- */
section { padding: 3.5rem 0; }
.section-title { text-align: center; margin-bottom: 2.5rem; }
.section-title h2 { font-size: 1.9rem; }
.section-title p { max-width: 650px; margin: 0.5rem auto 0; }
.bg-alt { background: var(--bg-alt); }

/* ---- Product grid ---- */
.product-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}
.product-card {
  background: var(--bg); padding: 1.75rem;
  border: 1px solid var(--border); border-radius: var(--radius);
  transition: all 0.2s; box-shadow: var(--shadow);
}
.product-card:hover {
  transform: translateY(-3px); box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}
.product-card .icon { font-size: 2rem; color: var(--accent); margin-bottom: 0.75rem; }
.product-card h3 { color: var(--primary); }
.product-card .meta { font-size: 0.85rem; color: var(--text-light); margin: 0.5rem 0 1rem; }
.product-card .meta strong { color: var(--text); }
.product-card a { font-weight: 600; color: var(--accent); }

/* ---- USP / Why us ---- */
.usp-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
}
.usp { text-align: center; padding: 1rem; }
.usp .icon {
  width: 56px; height: 56px; line-height: 56px; text-align: center;
  background: var(--bg-alt); border-radius: 50%; color: var(--accent);
  font-size: 1.5rem; margin: 0 auto 1rem; font-weight: 700;
}
.usp h3 { margin-bottom: 0.5rem; }

/* ---- Bank partners strip ---- */
.bank-strip {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem 2rem;
  margin-top: 2rem; padding: 1.5rem; background: #fff; border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.bank-strip span {
  font-weight: 600; color: var(--primary); font-size: 0.95rem;
  padding: 0.4rem 0.9rem; background: var(--bg-alt); border-radius: 4px;
}

/* ---- Steps ---- */
.steps {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem; counter-reset: step;
}
.step { padding: 1rem; position: relative; }
.step::before {
  counter-increment: step; content: counter(step);
  display: inline-block; width: 40px; height: 40px; line-height: 40px;
  background: var(--accent); color: #fff; border-radius: 50%;
  text-align: center; font-weight: 700; margin-bottom: 0.75rem;
}

/* ---- Testimonial ---- */
.testimonial-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.testimonial {
  background: #fff; padding: 1.75rem; border-radius: var(--radius);
  border-left: 4px solid var(--accent); box-shadow: var(--shadow);
}
.testimonial p { font-style: italic; color: var(--text); }
.testimonial .author { font-weight: 600; color: var(--primary); margin-top: 0.75rem; font-style: normal; }
.testimonial .author small { color: var(--text-light); display: block; font-weight: 400; }

/* ---- FAQ ---- */
.faq { max-width: 800px; margin: 0 auto; }
.faq details {
  background: #fff; padding: 1rem 1.25rem; margin-bottom: 0.75rem;
  border-radius: var(--radius); border: 1px solid var(--border); cursor: pointer;
}
.faq summary {
  font-weight: 600; color: var(--primary); list-style: none;
  display: flex; justify-content: space-between; align-items: center;
}
.faq summary::after { content: '+'; font-size: 1.5rem; color: var(--accent); }
.faq details[open] summary::after { content: '−'; }
.faq details p { margin-top: 0.75rem; }

/* ---- CTA banner ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: #fff; text-align: center; padding: 3rem 1rem;
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: rgba(255,255,255,0.95); margin-bottom: 1.5rem; }
.cta-banner .btn-primary { background: var(--primary); }
.cta-banner .btn-primary:hover { background: var(--primary-dark); }

/* ---- Forms ---- */
.lead-form {
  background: #fff; padding: 2rem; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); max-width: 480px; margin: 0 auto;
}
.lead-form h3 { color: var(--primary); margin-bottom: 1.25rem; }
.field { margin-bottom: 1rem; }
.field label { display: block; font-size: 0.9rem; margin-bottom: 0.3rem; font-weight: 500; color: var(--text); }
.field input, .field select, .field textarea {
  width: 100%; padding: 0.7rem 0.9rem; border: 1px solid var(--border);
  border-radius: var(--radius); font-size: 1rem; font-family: inherit;
  background: #fff; transition: border-color 0.2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--accent);
}
.lead-form .btn { width: 100%; }
.consent { font-size: 0.8rem; color: var(--text-light); margin-top: 0.5rem; }

/* ---- Contact 2-col ---- */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start;
}
.contact-info { padding: 1rem 0; }
.contact-info .item {
  display: flex; gap: 1rem; align-items: start; margin-bottom: 1.5rem;
  padding-bottom: 1.5rem; border-bottom: 1px solid var(--border);
}
.contact-info .item:last-child { border: none; }
.contact-info .icon { font-size: 1.5rem; color: var(--accent); }
.contact-info h4 { color: var(--primary); margin-bottom: 0.25rem; }

/* ---- Inner page hero ---- */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff; padding: 3rem 0 2.5rem; text-align: center;
}
.page-hero h1 { color: #fff; font-size: 2rem; }
.breadcrumb { color: rgba(255,255,255,0.7); font-size: 0.85rem; margin-bottom: 0.75rem; }
.breadcrumb a { color: rgba(255,255,255,0.85); }

/* ---- Content prose ---- */
.prose { max-width: 800px; margin: 0 auto; }
.prose h2 { margin-top: 2rem; }
.prose h3 { margin-top: 1.5rem; color: var(--primary-dark); }
.prose ul, .prose ol { margin: 1rem 0 1rem 1.5rem; }
.prose li { margin-bottom: 0.5rem; color: var(--text-light); }
.prose table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: 0.95rem; }
.prose th, .prose td { padding: 0.75rem; text-align: left; border: 1px solid var(--border); }
.prose th { background: var(--bg-alt); color: var(--primary); font-weight: 600; }

/* ---- Inline form sidebar ---- */
.two-col {
  display: grid; grid-template-columns: 2fr 1fr; gap: 3rem; align-items: start;
}
.two-col aside { position: sticky; top: 90px; }

/* ---- Footer ---- */
footer {
  background: var(--primary-dark); color: rgba(255,255,255,0.85);
  padding: 3rem 0 1.5rem; font-size: 0.9rem;
}
footer h4 { color: #fff; margin-bottom: 1rem; font-size: 1rem; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem;
  margin-bottom: 2rem;
}
footer ul { list-style: none; }
footer li { margin-bottom: 0.5rem; }
footer a { color: rgba(255,255,255,0.75); }
footer a:hover { color: var(--accent); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem;
  text-align: center; font-size: 0.8rem; color: rgba(255,255,255,0.6);
}
.footer-bottom .disclaimer { max-width: 900px; margin: 0.75rem auto 0; font-style: italic; }

/* ---- WhatsApp floating button ---- */
.wa-float {
  position: fixed; bottom: 20px; right: 20px; z-index: 999;
  width: 56px; height: 56px; line-height: 56px;
  background: var(--whatsapp); color: #fff; border-radius: 50%;
  text-align: center; font-size: 1.5rem; box-shadow: 0 4px 12px rgba(0,0,0,0.2);
  transition: transform 0.2s;
}
.wa-float:hover { transform: scale(1.1); color: #fff; }

/* ---- Responsive ---- */
@media (max-width: 768px) {
  h1 { font-size: 1.6rem; }
  .hero { padding: 2.5rem 0; }
  .hero h1 { font-size: 1.8rem; }
  .hero .tagline { font-size: 1rem; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 0.5rem; }
  .hero-stats .num { font-size: 1.3rem; }
  .hero-stats .lbl { font-size: 0.75rem; }
  section { padding: 2.5rem 0; }
  .menu-toggle { display: block; }
  .nav ul {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; flex-direction: column; padding: 1rem;
    box-shadow: var(--shadow-lg); border-top: 1px solid var(--border);
  }
  .nav.open ul { display: flex; }
  .nav li { width: 100%; }
  .nav a { display: block; padding: 0.75rem 0; }
  .two-col, .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
  .two-col aside { position: static; }
}