/* ============================================================
   FinGuide India – Main Stylesheet
   Theme: Modern FinTech / Banking
   Colors: Deep Navy #0a2342 | White #fff | Light Blue #e8f4fd | Green #2ecc71
   ============================================================ */

/* ---------- CSS Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0a2342;
  --navy-light: #123567;
  --sky:        #1a73e8;
  --sky-light:  #e8f4fd;
  --green:      #27ae60;
  --green-light:#e9f7ef;
  --white:      #ffffff;
  --gray-100:   #f8f9fa;
  --gray-200:   #e9ecef;
  --gray-600:   #6c757d;
  --gray-800:   #343a40;
  --text:       #212529;
  --radius:     10px;
  --shadow:     0 4px 20px rgba(10,35,66,.10);
  --transition: .3s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
}

img { max-width: 100%; height: auto; display: block; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ---------- Typography ---------- */
h1,h2,h3,h4,h5,h6 {
  font-weight: 700;
  line-height: 1.3;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.2rem); }
h3 { font-size: clamp(1.2rem, 3vw, 1.5rem); }
p  { margin-bottom: 1rem; color: var(--gray-800); }

.section-title   { text-align: center; margin-bottom: .5rem; }
.section-subtitle{ text-align: center; color: var(--gray-600); margin-bottom: 2.5rem; max-width: 680px; margin-inline: auto; }
.text-navy  { color: var(--navy); }
.text-sky   { color: var(--sky); }
.text-green { color: var(--green); }

/* ---------- Utility ---------- */
.container { width: 100%; max-width: 1200px; margin-inline: auto; padding-inline: 1.25rem; }
.section   { padding: 80px 0; }
.section-alt { background: var(--gray-100); }
.badge {
  display: inline-block;
  padding: .25rem .75rem;
  border-radius: 50px;
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .5px;
  text-transform: uppercase;
}
.badge-navy  { background: var(--navy);  color: var(--white); }
.badge-sky   { background: var(--sky);   color: var(--white); }
.badge-green { background: var(--green); color: var(--white); }
.badge-gray  { background: var(--gray-200); color: var(--gray-800); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: .75rem 1.75rem;
  border-radius: 50px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
}
.btn-primary {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
}
.btn-primary:hover { background: #219a52; border-color: #219a52; transform: translateY(-2px); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover { background: var(--white); color: var(--navy); }

.btn-sky {
  background: var(--sky);
  color: var(--white);
  border-color: var(--sky);
}
.btn-sky:hover { background: #155bb5; border-color: #155bb5; transform: translateY(-2px); }

/* ---------- HEADER / NAVBAR ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: .6rem;
}
.nav-brand .logo-icon {
  width: 40px; height: 40px;
  background: var(--green);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: var(--white);
}
.nav-brand .brand-name {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--white);
}
.nav-brand .brand-name span { color: var(--green); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-links a {
  color: rgba(255,255,255,.85);
  font-weight: 500;
  font-size: .95rem;
  transition: var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0;
  width: 0; height: 2px;
  background: var(--green);
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); }
.nav-links a:hover::after,
.nav-links a.active::after { width: 100%; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 25px; height: 2px;
  background: var(--white);
  transition: var(--transition);
  border-radius: 2px;
}

/* ---------- HERO ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1a4a8a 100%);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(26,115,232,.25) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -60px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(39,174,96,.15) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-content {
  position: relative;
  z-index: 1;
  max-width: 780px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 50px;
  padding: .4rem 1rem;
  font-size: .85rem;
  color: rgba(255,255,255,.9);
  margin-bottom: 1.5rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero h1 span { color: #7dd3fc; }
.hero p { font-size: 1.15rem; color: rgba(255,255,255,.85); margin-bottom: 2rem; max-width: 640px; }
.hero-buttons { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 2.5rem;
  margin-top: 3rem;
  flex-wrap: wrap;
}
.hero-stats .stat { text-align: center; }
.hero-stats .stat .num { font-size: 1.8rem; font-weight: 800; color: var(--white); }
.hero-stats .stat .lbl { font-size: .8rem; color: rgba(255,255,255,.65); text-transform: uppercase; letter-spacing: .5px; }

/* ---------- ADSENSE PLACEHOLDER ---------- */
.ad-unit {
  background: var(--gray-100);
  border: 2px dashed var(--gray-200);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  color: var(--gray-600);
  font-size: .85rem;
  font-style: italic;
  padding: 1rem;
}
.ad-unit-horizontal { min-height: 90px; width: 100%; }
.ad-unit-rectangle  { min-height: 250px; }
.ad-section { padding: 20px 0; }

/* ---------- CARDS ---------- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
}
.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid var(--gray-200);
}
.card:hover { transform: translateY(-6px); box-shadow: 0 10px 35px rgba(10,35,66,.14); }
.card-icon {
  width: 60px; height: 60px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.25rem;
}
.card-icon-navy  { background: rgba(10,35,66,.08); }
.card-icon-sky   { background: rgba(26,115,232,.08); }
.card-icon-green { background: rgba(39,174,96,.08); }
.card-icon-gold  { background: rgba(243,156,18,.08); }
.card h3 { margin-bottom: .5rem; font-size: 1.15rem; }
.card p  { font-size: .93rem; color: var(--gray-600); margin: 0; }
.card-link {
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  margin-top: 1rem;
  color: var(--sky);
  font-weight: 600;
  font-size: .9rem;
  transition: var(--transition);
}
.card-link:hover { gap: .6rem; }

/* ---------- WHY SECTION ---------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
}
.why-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  border-left: 4px solid var(--green);
}
.why-item .why-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
  margin-top: .1rem;
}
.why-item h4 { margin-bottom: .25rem; font-size: 1rem; }
.why-item p  { font-size: .88rem; color: var(--gray-600); margin: 0; }

/* ---------- FEATURED BANKS STRIP ---------- */
.banks-strip {
  background: var(--navy);
  padding: 40px 0;
  color: var(--white);
  text-align: center;
}
.banks-strip h3 { color: var(--white); margin-bottom: 1.5rem; font-size: 1rem; text-transform: uppercase; letter-spacing: 1px; opacity: .7; }
.banks-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: .75rem;
}
.bank-chip {
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 50px;
  padding: .45rem 1.1rem;
  font-size: .88rem;
  color: rgba(255,255,255,.9);
  transition: var(--transition);
}
.bank-chip:hover { background: rgba(255,255,255,.2); }

/* ---------- BANK DIRECTORY ---------- */
.bank-filter-bar {
  display: flex;
  gap: .75rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
  justify-content: center;
}
.filter-btn {
  padding: .5rem 1.3rem;
  border-radius: 50px;
  border: 2px solid var(--gray-200);
  background: var(--white);
  cursor: pointer;
  font-size: .9rem;
  font-weight: 500;
  transition: var(--transition);
  color: var(--gray-800);
}
.filter-btn.active,
.filter-btn:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.banks-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
}
.bank-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: .75rem;
}
.bank-card:hover { transform: translateY(-4px); box-shadow: 0 10px 30px rgba(10,35,66,.13); }
.bank-card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.bank-logo-placeholder {
  width: 48px; height: 48px;
  border-radius: 10px;
  background: var(--sky-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  color: var(--navy);
  font-weight: 800;
  font-size: .85rem;
  text-align: center;
  line-height: 1.2;
}
.bank-name { font-size: 1.05rem; font-weight: 700; color: var(--navy); }
.bank-desc { font-size: .88rem; color: var(--gray-600); }
.bank-tags { display: flex; gap: .5rem; flex-wrap: wrap; }
.bank-features { display: flex; gap: .5rem; flex-wrap: wrap; margin-top: .25rem; }
.feature-chip {
  background: var(--green-light);
  color: var(--green);
  border-radius: 50px;
  padding: .2rem .65rem;
  font-size: .78rem;
  font-weight: 600;
}
.bank-card .btn { margin-top: auto; font-size: .88rem; padding: .55rem 1.2rem; }

/* ---------- SERVICE SECTIONS ---------- */
.service-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
  padding: 60px 0;
  border-bottom: 1px solid var(--gray-200);
}
.service-block:last-child { border-bottom: none; }
.service-block.reverse .service-content { order: 2; }
.service-block.reverse .service-visual { order: 1; }

.service-visual {
  background: linear-gradient(135deg, var(--sky-light), var(--green-light));
  border-radius: 20px;
  min-height: 300px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  position: relative;
  overflow: hidden;
}
.service-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,115,232,.06) 0%, rgba(39,174,96,.06) 100%);
}

.service-content h2 { margin-bottom: .5rem; }
.service-content .service-intro {
  font-size: 1.05rem;
  color: var(--gray-600);
  margin-bottom: 1.5rem;
}
.benefit-list li,
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  padding: .45rem 0;
  font-size: .95rem;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-100);
}
.benefit-list li::before { content: "✓"; color: var(--green); font-weight: 700; flex-shrink: 0; }
.check-list  li::before { content: "›"; color: var(--sky); font-weight: 700; flex-shrink: 0; font-size: 1.2rem; }

.risk-box {
  background: #fff8e1;
  border-left: 4px solid #f39c12;
  border-radius: 0 8px 8px 0;
  padding: 1rem 1.25rem;
  margin-top: 1.5rem;
  font-size: .9rem;
  color: #7d6608;
}
.disclaimer-box {
  background: #fff8e1;
  border-left: 4px solid #f39c12;
  border-radius: 0 8px 8px 0;
  padding: 1.25rem 1.5rem;
  margin-top: 1.5rem;
  font-size: .93rem;
  color: #7d6608;
}
.info-box {
  background: var(--sky-light);
  border-left: 4px solid var(--sky);
  border-radius: 0 8px 8px 0;
  padding: 1rem 1.25rem;
  margin-top: 1rem;
  font-size: .9rem;
  color: #0d3d7c;
}

/* ---------- ABOUT ---------- */
.about-mission-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.mission-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  text-align: center;
  border-top: 4px solid var(--green);
}
.mission-card .m-icon { font-size: 2.2rem; margin-bottom: 1rem; }
.mission-card h4 { margin-bottom: .5rem; }
.mission-card p { font-size: .9rem; color: var(--gray-600); margin: 0; }

/* ---------- CONTACT ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 3rem;
  align-items: start;
}
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--gray-200);
}
.contact-info-item .ci-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--sky-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-info-item h5 { margin-bottom: .2rem; font-size: .9rem; color: var(--gray-600); text-transform: uppercase; letter-spacing: .5px; }
.contact-info-item p  { margin: 0; font-size: .95rem; font-weight: 500; }

/* Form */
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: .9rem;
  font-weight: 600;
  margin-bottom: .4rem;
  color: var(--navy);
}
.form-control {
  width: 100%;
  padding: .75rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 1rem;
  transition: var(--transition);
  background: var(--white);
  color: var(--text);
}
.form-control:focus {
  outline: none;
  border-color: var(--sky);
  box-shadow: 0 0 0 3px rgba(26,115,232,.12);
}
textarea.form-control { resize: vertical; min-height: 130px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

/* ---------- PAGE HERO ---------- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 60px 0;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: .75rem; font-size: clamp(1.8rem, 4vw, 2.5rem); }
.page-hero p  { color: rgba(255,255,255,.8); max-width: 600px; margin-inline: auto; margin-bottom: 0; }
.breadcrumb {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: .5rem;
  margin-top: 1rem;
  font-size: .88rem;
  color: rgba(255,255,255,.6);
}
.breadcrumb a { color: rgba(255,255,255,.8); }
.breadcrumb a:hover { color: var(--white); }

/* ---------- LEGAL PAGES ---------- */
.legal-content {
  max-width: 860px;
  margin-inline: auto;
  padding: 60px 1.25rem;
}
.legal-content h1 { margin-bottom: .5rem; }
.legal-content .last-updated { color: var(--gray-600); font-size: .9rem; margin-bottom: 2rem; }
.legal-content h2 { margin: 2rem 0 .75rem; font-size: 1.3rem; border-left: 4px solid var(--green); padding-left: .75rem; }
.legal-content h3 { margin: 1.5rem 0 .5rem; font-size: 1.1rem; }
.legal-content ul { padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-content ul li { list-style: disc; padding: .25rem 0; font-size: .95rem; color: var(--gray-800); }

/* ---------- FOOTER ---------- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.footer-brand p { font-size: .9rem; margin-top: .75rem; color: rgba(255,255,255,.65); }
.footer-col h4 { color: var(--white); margin-bottom: 1rem; font-size: .95rem; text-transform: uppercase; letter-spacing: .5px; }
.footer-col ul { display: flex; flex-direction: column; gap: .5rem; }
.footer-col ul a { font-size: .9rem; color: rgba(255,255,255,.65); transition: var(--transition); }
.footer-col ul a:hover { color: var(--green); padding-left: 4px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 0;
  font-size: .85rem;
  color: rgba(255,255,255,.5);
  flex-wrap: wrap;
  gap: .5rem;
}
.footer-bottom a { color: rgba(255,255,255,.65); }
.footer-bottom a:hover { color: var(--green); }
.footer-disclaimer {
  background: rgba(0,0,0,.2);
  padding: 1rem;
  border-radius: 8px;
  font-size: .8rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 2rem;
  line-height: 1.6;
}

/* ---------- MAP PLACEHOLDER ---------- */
.map-placeholder {
  background: var(--gray-100);
  border-radius: var(--radius);
  height: 250px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-600);
  font-size: .9rem;
  border: 2px dashed var(--gray-200);
  margin-top: 1.5rem;
  flex-direction: column;
  gap: .5rem;
}

/* ---------- ALERT / NOTICE ---------- */
.notice {
  background: var(--sky-light);
  border: 1px solid rgba(26,115,232,.25);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: .9rem;
  color: #0d3d7c;
  margin-bottom: 2rem;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 992px) {
  .service-block { grid-template-columns: 1fr; }
  .service-block.reverse .service-content,
  .service-block.reverse .service-visual { order: unset; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .section { padding: 55px 0; }
  .nav-links { display: none; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--navy); padding: 1.5rem; gap: 1.25rem; box-shadow: 0 8px 20px rgba(0,0,0,.25); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .hero { padding: 70px 0 60px; }
  .hero-stats { gap: 1.5rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero-buttons { flex-direction: column; }
  .hero-buttons .btn { text-align: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .bank-filter-bar { justify-content: flex-start; }
}