/* ============================================================
   CredSarthi — Inner Pages CSS
   Loan pages, About page, Policy page
   ============================================================ */

/* ——— Breadcrumb ——— */
.cs-breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}
.cs-breadcrumb a {
  color: rgba(255,255,255,0.8);
  text-decoration: none;
  transition: color 0.2s;
}
.cs-breadcrumb a:hover { color: var(--cs-accent); }
.cs-breadcrumb--dark { color: var(--cs-text-muted); }
.cs-breadcrumb--dark a { color: var(--cs-text-muted); }
.cs-breadcrumb--dark a:hover { color: var(--cs-primary); }
.cs-breadcrumb__current { color: var(--cs-accent); font-weight: 500; }

/* ============================================================
   LOAN PAGE
   ============================================================ */

/* ——— Loan Hero ——— */
.cs-loan-hero {
  position: relative;
  background: var(--cs-primary);
  padding: 4rem 0 5rem;
  overflow: hidden;
}
.cs-loan-hero__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(200,162,77,0.1) 0%, transparent 65%),
              linear-gradient(135deg, #0d2240 0%, var(--cs-primary) 100%);
  pointer-events: none;
}
.cs-loan-hero__content {
  position: relative;
  z-index: 1;
  max-width: 680px;
}
.cs-loan-hero__badge {
  display: inline-block;
  background: var(--cs-accent);
  color: var(--cs-primary);
  font-size: 0.78125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 1rem;
}
.cs-loan-hero__heading {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin: 0 0 0.75rem;
}
.cs-loan-hero__tagline {
  font-size: 1.1rem;
  color: var(--cs-accent);
  font-weight: 600;
  margin: 0 0 0.75rem;
}
.cs-loan-hero__desc {
  font-size: 1rem;
  color: rgba(255,255,255,0.78);
  line-height: 1.7;
  margin: 0 0 2rem;
}
.cs-loan-hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* Hero layout: content left + image right */
.cs-loan-hero__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.cs-loan-hero__grid .cs-loan-hero__content {
  max-width: 100%;
}
.cs-loan-hero__image {
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
}
.cs-loan-hero__image img {
  width: 100%;
  max-width: 480px;
  height: auto;
  border-radius: 16px;
  object-fit: cover;
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
  display: block;
}

/* Buttons on dark hero background */
.cs-loan-hero .cs-btn--primary {
  background: var(--cs-accent);
  color: var(--cs-primary);
  border-color: var(--cs-accent);
}
.cs-loan-hero .cs-btn--primary:hover {
  background: var(--cs-accent-dark);
  border-color: var(--cs-accent-dark);
  color: var(--cs-primary);
}
.cs-loan-hero .cs-btn--outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.6);
}
.cs-loan-hero .cs-btn--outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: #fff;
  color: #fff;
}

/* ——— Loan Overview / Benefits ——— */
.cs-loan-overview {
  padding: 5rem 0;
}
.cs-loan-overview__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.cs-loan-overview__content {
  font-size: 1rem;
  color: var(--cs-text);
  line-height: 1.8;
}
.cs-loan-benefits__heading {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 0 0 1.5rem;
}
.cs-loan-benefits-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.cs-loan-benefit-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.cs-loan-benefit-item__icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--cs-accent-bg, rgba(200,162,77,0.1));
  border-radius: 10px;
  color: var(--cs-accent);
}
.cs-loan-benefit-item__body strong {
  display: block;
  font-weight: 600;
  color: var(--cs-primary);
  margin-bottom: 2px;
  font-size: 0.9375rem;
}
.cs-loan-benefit-item__body p {
  margin: 0;
  font-size: 0.875rem;
  color: var(--cs-text-muted);
  line-height: 1.6;
}

/* ——— Who Can Apply ——— */
.cs-loan-applicants {
  padding: 5rem 0;
  background: var(--cs-surface);
}
.cs-loan-applicants__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(285px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.cs-applicant-card {
  background: #fff;
  border-radius: 16px;
  padding: 1.75rem 1.5rem;
  text-align: center;
  box-shadow: 0 2px 12px rgba(22,20,85,0.06);
  border: 1px solid var(--cs-border);
  transition: transform 0.25s, box-shadow 0.25s;
}
.cs-applicant-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(22,20,85,0.1);
}
.cs-applicant-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--cs-primary), #1f4278);
  color: var(--cs-accent);
  border-radius: 16px;
  margin-bottom: 1rem;
}
.cs-applicant-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 0 0 0.5rem;
}
.cs-applicant-card__desc {
  font-size: 0.875rem;
  color: var(--cs-text-muted);
  line-height: 1.6;
  margin: 0;
}

/* ——— Documents ——— */
.cs-loan-docs {
  padding: 5rem 0;
}
.cs-loan-docs__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(285px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.cs-doc-card {
  background: #fff;
  border-radius: 14px;
  padding: 1.5rem;
  border: 1px solid var(--cs-border);
  box-shadow: 0 2px 10px rgba(22,20,85,0.05);
}
.cs-doc-card__title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 0 0 1rem;
  color: var(--cs-accent);
  /* override: keep text dark */
  color: var(--cs-primary);
}
.cs-doc-card__title svg { color: var(--cs-accent); flex-shrink: 0; }
.cs-doc-card__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.cs-doc-card__list li {
  font-size: 0.875rem;
  color: var(--cs-text);
  padding-left: 1.25rem;
  position: relative;
  line-height: 1.5;
}
.cs-doc-card__list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #22c55e;
  font-size: 0.8125rem;
  font-weight: 700;
}
.cs-loan-docs__note {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.8125rem;
  color: var(--cs-text-muted);
  margin-top: 2rem;
  padding: 1rem 1.25rem;
  background: var(--cs-surface);
  border-left: 3px solid var(--cs-accent);
  border-radius: 0 8px 8px 0;
}
.cs-loan-docs__note svg { color: var(--cs-accent); flex-shrink: 0; margin-top: 1px; }

/* ——— EMI Calculator ——— */
.cs-emi-section {
  padding: 5rem 0;
  background: var(--cs-surface);
}
.cs-emi-calc {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  background: #fff;
  border-radius: 20px;
  padding: 2.5rem;
  box-shadow: 0 4px 32px rgba(22,20,85,0.09);
  border: 1px solid var(--cs-border);
  margin-top: 2.5rem;
}
.cs-emi-field { margin-bottom: 1.75rem; }
.cs-emi-field:last-child { margin-bottom: 0; }
.cs-emi-field__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.6rem;
}
.cs-emi-field__label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--cs-primary);
}
.cs-emi-field__input-wrap {
  display: flex;
  align-items: center;
  gap: 4px;
  background: var(--cs-surface);
  border: 1px solid var(--cs-border);
  border-radius: 8px;
  padding: 4px 10px;
}
.cs-emi-field__prefix,
.cs-emi-field__suffix {
  font-size: 0.8125rem;
  color: var(--cs-text-muted);
  flex-shrink: 0;
}
.cs-emi-field__input {
  border: none;
  background: transparent;
  width: 80px;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--cs-primary);
  text-align: right;
  outline: none;
  font-family: inherit;
}
.cs-emi-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  background: linear-gradient(to right, var(--cs-primary) var(--val, 40%), #e2e8f0 var(--val, 40%));
  outline: none;
  cursor: pointer;
  margin: 0;
}
.cs-emi-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--cs-primary);
  border: 3px solid #fff;
  box-shadow: 0 0 0 1px var(--cs-primary), 0 2px 6px rgba(0,0,0,0.2);
  cursor: pointer;
  transition: transform 0.15s;
}
.cs-emi-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.cs-emi-slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--cs-primary);
  border: 3px solid #fff;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
  cursor: pointer;
}
.cs-emi-field__range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 4px;
  font-size: 0.71875rem;
  color: var(--cs-text-muted);
}

/* EMI Result */
.cs-emi-calc__result {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.5rem;
}
.cs-emi-donut-wrap {
  position: relative;
  width: 200px;
  height: 200px;
}
.cs-emi-donut {
  width: 200px;
  height: 200px;
  transform: rotate(-90deg);
}
.cs-emi-donut__track   { stroke: #e2e8f0; }
.cs-emi-donut__principal {
  stroke: var(--cs-primary);
  stroke-linecap: round;
  transition: stroke-dasharray 0.5s ease, stroke-dashoffset 0.5s ease;
}
.cs-emi-donut__interest  {
  stroke: var(--cs-accent);
  stroke-linecap: round;
  transition: stroke-dasharray 0.5s ease, stroke-dashoffset 0.5s ease;
}
.cs-emi-donut__center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  pointer-events: none;
}
.cs-emi-donut__label {
  font-size: 0.6875rem;
  color: var(--cs-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.cs-emi-donut__value {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--cs-primary);
  line-height: 1.2;
}
.cs-emi-summary {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.cs-emi-summary__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
}
.cs-emi-summary__dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.cs-emi-summary__item--principal .cs-emi-summary__dot { background: var(--cs-primary); }
.cs-emi-summary__item--interest  .cs-emi-summary__dot { background: var(--cs-accent); }
.cs-emi-summary__item--total     .cs-emi-summary__dot { background: #64748b; }
.cs-emi-summary__label { flex: 1; color: var(--cs-text-muted); }
.cs-emi-summary__value { font-weight: 700; color: var(--cs-primary); }
.cs-emi-calc__apply-btn { margin-top: 0.5rem; width: 100%; justify-content: center; }

/* ——— Loan FAQ ——— */
.cs-loan-faq {
  padding: 5rem 0;
}
.cs-faq-list {
  max-width: 800px;
  margin: 2.5rem auto 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.cs-faq-item {
 border: 1px solid var(--cs-border);
  border-radius: var(--cs-radius-md);
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.cs-faq-item.is-open {
  border-color: rgba(var(--cs-primary-rgb), 0.25);
  box-shadow: var(--cs-shadow-sm);
}
/*.cs-faq-item:first-child { border-radius: 12px 12px 0 0; }*/
/*.cs-faq-item:last-child  { border-bottom: 1px solid var(--cs-border); border-radius: 0 0 12px 12px; }*/
.cs-faq-item__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.125rem 1.5rem;
  background: #fff;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--cs-primary);
  text-align: left;
  transition: background 0.2s;
}
.cs-faq-item__question:hover {
  background: var(--cs-light-bg);
  color: var(--cs-primary);
}
.cs-faq-item__question[aria-expanded="true"] {
  background: var(--cs-primary);
  color: #fff;
}
.cs-faq-item__question[aria-expanded="true"] .cs-faq-item__icon { transform: rotate(180deg); }
.cs-faq-item__icon {
  flex-shrink: 0;
  transition: transform 0.3s ease;
  color: var(--cs-accent);
}
.cs-faq-item__question[aria-expanded="true"] .cs-faq-item__icon { color: var(--cs-accent); }
.cs-faq-item__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.cs-faq-item__answer[aria-hidden="false"],
.cs-faq-item__answer.is-open {
  max-height: 400px;
}
.cs-faq-item__answer-inner {
  padding: 1.25rem 1.5rem;
  font-size: 0.9375rem;
  color: var(--cs-text);
  line-height: 1.7;
  background: var(--cs-surface);
  border-top: 1px solid var(--cs-border);
}

/* ——— Loan CTA Strip ——— */
.cs-loan-cta-strip {
  padding: 5rem 0;
  background: linear-gradient(135deg, var(--cs-primary), #1f4278);
}
.cs-loan-cta-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}
.cs-loan-cta-strip__heading {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.5rem;
}
.cs-loan-cta-strip__sub {
  font-size: 1rem;
  color: rgba(255,255,255,0.75);
  margin: 0;
  max-width: 500px;
}
.cs-loan-cta-strip__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  flex-shrink: 0;
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.cs-about-hero {
  position: relative;
  background: var(--cs-primary);
  padding: 4rem 0 5rem;
  overflow: hidden;
}
.cs-about-hero__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(200,162,77,0.12) 0%, transparent 60%);
  pointer-events: none;
}
.cs-about-hero__content { position: relative; z-index: 1; max-width: 700px; }
.cs-about-hero__heading {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 1rem;
}
.cs-about-hero__desc {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.78);
  line-height: 1.7;
  margin: 0;
}

/* Who We Are */
.cs-about-who {
  padding: 5rem 0;
}
.cs-about-who__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: center;
}
.cs-about-who__text { font-size: 1rem; line-height: 1.8; color: var(--cs-text); }
.cs-about-who__card-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.cs-about-stat-card {
  background: var(--cs-primary);
  border-radius: 14px;
  padding: 1.5rem;
  text-align: center;
}
.cs-about-stat-card__value {
  display: block;
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--cs-accent);
  line-height: 1.1;
  margin-bottom: 4px;
}
.cs-about-stat-card__label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.75);
  font-weight: 500;
}

/* Mission & Vision */
.cs-about-mv {
  padding: 5rem 0;
  background: var(--cs-surface);
}
.cs-about-mv__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}
.cs-about-mv__card {
  background: #fff;
  border-radius: 20px;
  padding: 2.5rem;
  border: 1px solid var(--cs-border);
  box-shadow: 0 2px 16px rgba(22,20,85,0.06);
}
.cs-about-mv__card--mission { border-top: 4px solid var(--cs-primary); }
.cs-about-mv__card--vision  { border-top: 4px solid var(--cs-accent); }
.cs-about-mv__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 16px;
  margin-bottom: 1.25rem;
}
.cs-about-mv__card--mission .cs-about-mv__icon { background: rgba(11,42,74,0.08); color: var(--cs-primary); }
.cs-about-mv__card--vision  .cs-about-mv__icon { background: rgba(200,162,77,0.12); color: var(--cs-accent); }
.cs-about-mv__card-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--cs-primary);
  margin: 0 0 0.75rem;
}
.cs-about-mv__card-text {
  font-size: 0.9375rem;
  color: var(--cs-text);
  line-height: 1.75;
  margin: 0;
}

/* What We Offer */
.cs-about-offer {
  padding: 5rem 0;
}
.cs-about-offer__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.cs-about-offer-card {
  display: block;
  background: #fff;
  border-radius: 16px;
  padding: 1.75rem 1.5rem;
  border: 1px solid var(--cs-border);
  text-decoration: none;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  box-shadow: 0 2px 10px rgba(22,20,85,0.05);
}
.cs-about-offer-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 28px rgba(22,20,85,0.12);
  border-color: var(--cs-accent);
}
.cs-about-offer-card__icon {
  display: inline-flex;
  width: 56px;
  height: 56px;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--cs-primary), #1f4278);
  color: var(--cs-accent);
  border-radius: 14px;
  margin-bottom: 1rem;
}
.cs-about-offer-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 0 0 0.5rem;
}
.cs-about-offer-card__desc {
  font-size: 0.8125rem;
  color: var(--cs-text-muted);
  line-height: 1.6;
  margin: 0 0 1rem;
}
.cs-about-offer-card__link {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--cs-accent);
}

/* Our Approach */
.cs-about-approach {
  padding: 5rem 0;
  background: var(--cs-surface);
}
.cs-about-approach__steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
  counter-reset: approach-step;
}
.cs-about-approach__step {
  position: relative;
  text-align: center;
  padding: 2rem 1.25rem;
  background: #fff;
  border-radius: 16px;
  border: 1px solid var(--cs-border);
  box-shadow: 0 2px 10px rgba(22,20,85,0.05);
}
.cs-about-approach__step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--cs-primary);
  color: var(--cs-accent);
  font-size: 1.125rem;
  font-weight: 800;
  border-radius: 50%;
  margin-bottom: 1rem;
  box-shadow: 0 4px 14px rgba(11,42,74,0.25);
}
.cs-about-approach__step-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 0 0 0.5rem;
}
.cs-about-approach__step-desc {
  font-size: 0.875rem;
  color: var(--cs-text-muted);
  line-height: 1.6;
  margin: 0;
}

/* Impact / Stats */
.cs-about-impact {
  padding: 5rem 0;
  background: var(--cs-primary);
}
.cs-about-impact__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.cs-about-impact__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
}
.cs-about-impact__icon {
  width: 56px;
  height: 56px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,162,77,0.15);
  color: var(--cs-accent);
  border-radius: 50%;
  margin-bottom: 0.5rem;
}
.cs-about-impact__value {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--cs-accent);
  line-height: 1;
}
.cs-about-impact__label {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.7);
}

/* About CTA */
.cs-about-cta {
  padding: 5rem 0;
}
.cs-about-cta__inner {
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.cs-about-cta__heading {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--cs-primary);
  margin: 0 0 0.75rem;
}
.cs-about-cta__sub {
  font-size: 1rem;
  color: var(--cs-text-muted);
  margin: 0 0 2rem;
}
.cs-about-cta__actions {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* ============================================================
   POLICY PAGE
   ============================================================ */
.cs-policy-hero {
  background: var(--cs-primary);
  padding: 3.5rem 0 4rem;
}
.cs-policy-hero__title {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.5rem;
}
.cs-policy-hero__updated {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  margin: 0;
}
.cs-policy-content {
  padding: 4rem 0 5rem;
}
.cs-policy-body {
  max-width: 760px;
  font-size: 1rem;
  line-height: 1.85;
  color: var(--cs-text);
}
.cs-policy-body h2 {
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 2.5rem 0 0.75rem;
}
.cs-policy-body h3 {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 2rem 0 0.5rem;
}
.cs-policy-body p { margin: 0 0 1.25rem; }
.cs-policy-body ul,
.cs-policy-body ol {
  padding-left: 1.5rem;
  margin: 0 0 1.25rem;
}
.cs-policy-body ul li,
.cs-policy-body ol li { margin-bottom: 6px; }
.cs-policy-body a { color: var(--cs-primary); }
.cs-policy-body a:hover { color: var(--cs-accent); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */

/* Hero */
.cs-contact-hero {
  position: relative;
  background: var(--cs-primary);
  padding: 4rem 0 5rem;
  overflow: hidden;
}
.cs-contact-hero__bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 50%, rgba(200,162,77,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.cs-contact-hero__content { position: relative; z-index: 1; max-width: 640px; }
.cs-contact-hero__heading {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.875rem;
  line-height: 1.15;
}
.cs-contact-hero__sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.65;
  margin: 0;
}

/* Quick contact cards strip */
.cs-contact-cards {
  padding: 0;
  position: relative;
  z-index: 10;
  margin-top: -3rem;
}
.cs-contact-cards__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(225px, 1fr));
  gap: 1.25rem;
}
.cs-contact-card {
  background: #fff;
  border-radius: 16px;
  padding: 1.75rem 1.5rem;
  text-align: center;
  box-shadow: 0 8px 32px rgba(22,20,85,0.12);
  border: 1px solid var(--cs-border);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  align-items: center;
  transition: transform 0.25s, box-shadow 0.25s;
}
a.cs-contact-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 40px rgba(22,20,85,0.16);
}
.cs-contact-card__icon {
  width: 60px;
  height: 60px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--cs-primary), #1f4278);
  color: var(--cs-accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  flex-shrink: 0;
}
.cs-contact-card--whatsapp .cs-contact-card__icon { background: linear-gradient(135deg, #1DB954, #25D366); color: #fff; }
.cs-contact-card__title {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--cs-text-muted);
  margin: 0 0 0.35rem;
}
.cs-contact-card__value {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--cs-primary);
  margin: 0;
}
.cs-contact-card--hours { cursor: default; }
a.cs-contact-card--whatsapp .cs-contact-card__value { color: #1a9e44; }
.cs-contact-card__hours-list {
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-size: 0.78125rem;
  color: var(--cs-text);
  text-align: left;
  width: 100%;
}
.cs-contact-card__hours-row { display: block; }

/* Main 2-col */
.cs-contact-main {
  padding: 5rem 0;
  background: var(--cs-surface);
}
.cs-contact-main__grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3.5rem;
  align-items: start;
}

/* Form column */
.cs-contact-form-wrap {
  background: #fff;
  border-radius: 20px;
  padding: 2.5rem;
  border: 1px solid var(--cs-border);
  box-shadow: 0 2px 16px rgba(22,20,85,0.06);
}
.cs-contact-form-wrap__title {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--cs-primary);
  margin: 0 0 0.4rem;
}
.cs-contact-form-wrap__sub {
  font-size: 0.875rem;
  color: var(--cs-text-muted);
  margin: 0 0 1.75rem;
}

/* CF7 overrides */
.cs-contact-form-wrap .wpcf7 { margin: 0; }

/* CF7 wraps each field in a <p> and <span class="wpcf7-form-control-wrap"> */
.cs-contact-form-wrap .wpcf7-form p {
  margin-bottom: 1rem;
}
.cs-contact-form-wrap .wpcf7-form p:last-of-type {
  margin-bottom: 0;
}
.cs-contact-form-wrap .wpcf7-form-control-wrap {
  display: block;
  width: 100%;
}
.cs-contact-form-wrap .wpcf7-form label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--cs-primary);
  margin-bottom: 5px;
}

/* All text inputs, textarea, select */
.cs-contact-form-wrap .wpcf7 input[type="text"],
.cs-contact-form-wrap .wpcf7 input[type="email"],
.cs-contact-form-wrap .wpcf7 input[type="tel"],
.cs-contact-form-wrap .wpcf7 input[type="number"],
.cs-contact-form-wrap .wpcf7 input[type="url"],
.cs-contact-form-wrap .wpcf7 input[type="date"],
.cs-contact-form-wrap .wpcf7 textarea,
.cs-contact-form-wrap .wpcf7 select {
  display: block;
  width: 100%;
  padding: 8px 14px;
  border: 1.5px solid var(--cs-border);
  border-radius: 8px;
  font-size: 0.9375rem;
  font-family: inherit;
  color: var(--cs-text);
  background: #fff;
  outline: none;
  box-sizing: border-box;
  transition: border-color 0.2s, box-shadow 0.2s;
  margin: 0;
}
.cs-contact-form-wrap .wpcf7 input[type="text"]:focus,
.cs-contact-form-wrap .wpcf7 input[type="email"]:focus,
.cs-contact-form-wrap .wpcf7 input[type="tel"]:focus,
.cs-contact-form-wrap .wpcf7 input[type="number"]:focus,
.cs-contact-form-wrap .wpcf7 input[type="url"]:focus,
.cs-contact-form-wrap .wpcf7 input[type="date"]:focus,
.cs-contact-form-wrap .wpcf7 textarea:focus,
.cs-contact-form-wrap .wpcf7 select:focus {
  border-color: var(--cs-primary);
  box-shadow: 0 0 0 3px rgba(11,42,74,0.08);
}
.cs-contact-form-wrap .wpcf7 textarea { min-height: 130px; resize: vertical; }

/* Submit — CF7 v5+ uses <button>, older versions use <input[type=submit]> */
.cs-contact-form-wrap .wpcf7 input[type="submit"],
.cs-contact-form-wrap .wpcf7 button[type="submit"],
.cs-contact-form-wrap .wpcf7 .wpcf7-submit {
  display: block;
  width: 100%;
  background: var(--cs-primary);
  color: #fff;
  border: none;
  padding: 13px 32px;
  border-radius: 8px;
  font-size: 0.9375rem;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  text-align: center;
  box-sizing: border-box;
}
.cs-contact-form-wrap .wpcf7 input[type="submit"]:hover,
.cs-contact-form-wrap .wpcf7 button[type="submit"]:hover,
.cs-contact-form-wrap .wpcf7 .wpcf7-submit:hover {
  background: #1f4278;
  transform: translateY(-1px);
}

/* Validation messages */
.cs-contact-form-wrap .wpcf7-not-valid-tip {
  display: block;
  font-size: 0.78125rem;
  color: #e53e3e;
  margin-top: 4px;
}
.cs-contact-form-wrap .wpcf7 input.wpcf7-not-valid,
.cs-contact-form-wrap .wpcf7 textarea.wpcf7-not-valid,
.cs-contact-form-wrap .wpcf7 select.wpcf7-not-valid {
  border-color: #e53e3e;
}
.cs-contact-form-wrap .wpcf7-response-output {
  margin-top: 1rem;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 0.875rem;
  border: 1px solid;
}
.cs-contact-form-wrap .wpcf7-mail-sent-ok {
  border-color: #38a169;
  background: #f0fff4;
  color: #276749;
}
.cs-contact-form-wrap .wpcf7-mail-sent-ng,
.cs-contact-form-wrap .wpcf7-aborted,
.cs-contact-form-wrap .wpcf7-spam-blocked,
.cs-contact-form-wrap .wpcf7-validation-errors {
  border-color: #e53e3e;
  background: #fff5f5;
  color: #c53030;
}

/* Fallback form (when CF7 ID not set) */
.cs-contact-fallback-form .cs-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1rem;
}
.cs-contact-fallback-form .cs-form__group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 1rem;
}
.cs-contact-fallback-form label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--cs-primary);
}
.cs-contact-fallback-form input,
.cs-contact-fallback-form select,
.cs-contact-fallback-form textarea {
  padding: 11px 14px;
  border: 1px solid var(--cs-border);
  border-radius: 8px;
  font-size: 0.9375rem;
  font-family: inherit;
  background: var(--cs-surface);
  color: var(--cs-text-muted);
}
.cs-contact-fallback-form__note {
  font-size: 0.8125rem;
  color: var(--cs-text-muted);
  background: rgba(200,162,77,0.08);
  border-left: 3px solid var(--cs-accent);
  padding: 10px 14px;
  border-radius: 0 6px 6px 0;
  margin: 0;
}

/* Address / Info column */
.cs-contact-info-col {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  position: sticky;
  top: 100px;
}
.cs-contact-info-block {
  background: #fff;
  border-radius: 14px;
  padding: 1.25rem 1.5rem;
  border: 1px solid var(--cs-border);
  box-shadow: 0 1px 8px rgba(22,20,85,0.05);
}
.cs-contact-info-block__title {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--cs-text-muted);
  margin: 0 0 0.625rem;
  display: flex;
  align-items: center;
  gap: 6px;
}
.cs-contact-info-block__title svg { color: var(--cs-accent); flex-shrink: 0; }
.cs-contact-info-block__value {
  font-size: 0.9375rem;
  color: var(--cs-text);
  line-height: 1.6;
  display: block;
  margin: 0;
  font-style: normal;
}
.cs-contact-info-block__value--link {
  text-decoration: none;
  color: var(--cs-primary);
  font-weight: 600;
  transition: color 0.2s;
}
.cs-contact-info-block__value--link:hover { color: var(--cs-accent); }
.cs-contact-info-block__hours { display: flex; flex-direction: column; gap: 4px; }
.cs-contact-info-block__hours-row { font-size: 0.875rem; color: var(--cs-text); line-height: 1.5; }
.cs-contact-wa-btn { margin-top: 0.25rem; width: 100%; justify-content: center; }

/* Map */
.cs-contact-map { line-height: 0; font-size: 0; }
.cs-contact-map__iframe {
  display: block;
  width: 100%;
  height: 420px;
  border: none;
  filter: grayscale(20%);
}


/* ============================================================
   LOAN – APPLY FORM SECTION
   ============================================================ */

.cs-apply-section {
  padding: 5rem 0 6rem;
  background: linear-gradient(180deg, #f0f4fb 0%, #fff 100%);
  position: relative;
  overflow: hidden;
}
.cs-apply-section::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -120px;
  width: 480px;
  height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(var(--cs-accent-rgb), 0.07) 0%, transparent 70%);
  pointer-events: none;
}

/* Split layout: header left, form right on wider screens */
.cs-apply-section__inner {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 3.5rem;
  align-items: start;
}
.cs-apply-section__header {
  position: sticky;
  top: 100px;
}
.cs-apply-section__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--cs-accent-dark);
  background: rgba(var(--cs-accent-rgb), 0.12);
  border-radius: var(--cs-radius-full);
  padding: 5px 14px;
  margin-bottom: 1.25rem;
}
.cs-apply-section__title {
  font-size: clamp(1.625rem, 3vw, 2.25rem);
  font-weight: 800;
  color: var(--cs-primary);
  line-height: 1.2;
  margin: 0 0 1rem;
}
.cs-apply-section__loan-name {
  color: var(--cs-accent-dark);
}
.cs-apply-section__sub {
  font-size: 0.9375rem;
  color: var(--cs-text-body);
  line-height: 1.7;
  margin: 0 0 2rem;
}

/* Trust bullets */
.cs-apply-section__trust {
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.cs-apply-section__trust li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.875rem;
  color: var(--cs-text-body);
  line-height: 1.5;
}
.cs-apply-section__trust-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(var(--cs-accent-rgb), 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}
.cs-apply-section__trust-icon svg {
  width: 11px;
  height: 11px;
  color: var(--cs-accent-dark);
  fill: none;
  stroke: currentColor;
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* Form card */
.cs-apply-form-wrap {
  background: #fff;
  border-radius: var(--cs-radius-lg);
  padding: 2.5rem;
  border: 1px solid var(--cs-border);
  box-shadow: var(--cs-shadow-md);
}

/* Loan badge inside form */
.cs-apply-form__loan-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  color: var(--cs-text-muted);
  background: var(--cs-off-white);
  border: 1px solid var(--cs-border);
  border-radius: var(--cs-radius-full);
  padding: 6px 16px;
  margin: 0 0 1.75rem;
}
.cs-apply-form__loan-label strong {
  color: var(--cs-primary);
  font-weight: 700;
}

/* 2-column grid */
.cs-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.125rem 1.5rem;
  margin-bottom: 1.125rem;
}
.cs-form-row--full {
  grid-column: 1 / -1;
}
.cs-form-row p {
  margin: 0;
}

/* CF7 overrides — scoped to apply form */
.cs-apply-form-wrap .wpcf7 { margin: 0; }
.cs-apply-form-wrap .wpcf7-form p { margin: 0; }
.cs-apply-form-wrap .wpcf7-form-control-wrap { display: block; width: 100%; }

.cs-apply-form-wrap .wpcf7-form label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--cs-primary);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.cs-apply-form-wrap .wpcf7-form label br { display: none; }

.cs-apply-form-wrap .cs-req {
  color: #e53e3e;
  margin-left: 2px;
}

/* All inputs, select, textarea */
.cs-apply-form-wrap .wpcf7 input[type="text"],
.cs-apply-form-wrap .wpcf7 input[type="email"],
.cs-apply-form-wrap .wpcf7 input[type="tel"],
.cs-apply-form-wrap .wpcf7 input[type="number"],
.cs-apply-form-wrap .wpcf7 textarea,
.cs-apply-form-wrap .wpcf7 select {
  display: block;
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--cs-border);
  border-radius: var(--cs-radius-sm);
  font-size: 0.9375rem;
  font-family: inherit;
  color: var(--cs-text);
  background: #fff;
  outline: none;
  box-sizing: border-box;
  transition: border-color 0.2s, box-shadow 0.2s;
  margin: 0;
  -webkit-appearance: none;
     -moz-appearance: none;
          appearance: none;
}
/* Select arrow */
.cs-apply-form-wrap .wpcf7 select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%234a5568' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 16px;
  padding-right: 38px;
}
.cs-apply-form-wrap .wpcf7 input[type="text"]:focus,
.cs-apply-form-wrap .wpcf7 input[type="email"]:focus,
.cs-apply-form-wrap .wpcf7 input[type="tel"]:focus,
.cs-apply-form-wrap .wpcf7 input[type="number"]:focus,
.cs-apply-form-wrap .wpcf7 textarea:focus,
.cs-apply-form-wrap .wpcf7 select:focus {
  border-color: var(--cs-primary);
  box-shadow: 0 0 0 3px rgba(var(--cs-primary-rgb), 0.09);
}
.cs-apply-form-wrap .wpcf7 textarea { min-height: 110px; resize: vertical; }

/* Submit button */
.cs-apply-form-wrap .wpcf7 input[type="submit"],
.cs-apply-form-wrap .wpcf7 button[type="submit"],
.cs-apply-form-wrap .wpcf7 .wpcf7-submit {
  display: block;
  width: 100%;
  background: var(--cs-primary);
  color: #fff;
  border: none;
  padding: 14px 32px;
  border-radius: var(--cs-radius-sm);
  font-size: 1rem;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-sizing: border-box;
  letter-spacing: 0.01em;
  margin-top: 0.5rem;
}
.cs-apply-form-wrap .wpcf7 input[type="submit"]:hover,
.cs-apply-form-wrap .wpcf7 button[type="submit"]:hover {
  background: var(--cs-primary-dark);
  transform: translateY(-1px);
  box-shadow: var(--cs-shadow-md);
}

/* Spinner */
.cs-apply-form-wrap .wpcf7-spinner {
  display: inline-block;
  margin-left: 10px;
  vertical-align: middle;
}

/* Validation */
.cs-apply-form-wrap .wpcf7-not-valid-tip {
  display: block;
  font-size: 0.75rem;
  color: #e53e3e;
  margin-top: 4px;
}
.cs-apply-form-wrap .wpcf7 input.wpcf7-not-valid,
.cs-apply-form-wrap .wpcf7 textarea.wpcf7-not-valid,
.cs-apply-form-wrap .wpcf7 select.wpcf7-not-valid {
  border-color: #e53e3e;
  box-shadow: 0 0 0 3px rgba(229,62,62,0.08);
}
.cs-apply-form-wrap .wpcf7-response-output {
  margin-top: 1rem;
  padding: 11px 16px;
  border-radius: var(--cs-radius-sm);
  font-size: 0.875rem;
  border: 1px solid;
}
.cs-apply-form-wrap .wpcf7-mail-sent-ok {
  background: #f0fff4;
  border-color: #68d391;
  color: #276749;
}
.cs-apply-form-wrap .wpcf7-validation-errors,
.cs-apply-form-wrap .wpcf7-mail-sent-ng,
.cs-apply-form-wrap .wpcf7-spam-blocked {
  background: #fff5f5;
  border-color: #fc8181;
  color: #c53030;
}

/* ============================================================
   RESPONSIVE — Inner Pages
   ============================================================ */
@media (max-width: 1024px) {
  .cs-loan-hero__grid      { grid-template-columns: 1fr; gap: 2rem; }
  .cs-loan-hero__image     { order: 2; }
  .cs-loan-overview__grid,
  .cs-about-who__grid,
  .cs-about-mv__grid       { grid-template-columns: 1fr; gap: 2rem; }
  .cs-emi-calc             { grid-template-columns: 1fr; }
  .cs-about-approach__steps { grid-template-columns: repeat(2, 1fr); }
  .cs-about-impact__grid   { grid-template-columns: repeat(2, 1fr); }
  .cs-contact-main__grid   { grid-template-columns: 1fr; }
  .cs-contact-info-col     { position: static; }
  /* Apply form: stack header above form card */
  .cs-apply-section__inner { grid-template-columns: 1fr; gap: 2rem; }
  .cs-apply-section__header { position: static; }
}

@media (max-width: 640px) {
  .cs-loan-hero,
  .cs-about-hero,
  .cs-contact-hero { padding: 2.5rem 0 3rem; }
  .cs-loan-hero__actions,
  .cs-about-cta__actions,
  .cs-loan-cta-strip__inner { flex-direction: column; }
  .cs-loan-cta-strip__inner { text-align: center; }
  .cs-about-approach__steps { grid-template-columns: 1fr; }
  .cs-about-impact__grid   { grid-template-columns: repeat(2, 1fr); }
  .cs-about-who__card-wrap  { grid-template-columns: 1fr 1fr; }
  .cs-emi-calc             { padding: 1.5rem; }
  .cs-contact-cards        { margin-top: -1.5rem; }
  .cs-contact-cards__grid  { grid-template-columns: 1fr 1fr; }
  .cs-contact-form-wrap    { padding: 1.5rem; }
  .cs-contact-fallback-form .cs-form__row { grid-template-columns: 1fr; }
  .cs-contact-map__iframe  { height: 280px; }
    /* Apply form mobile */
  .cs-apply-section        { padding: 3rem 0 4rem; }
  .cs-apply-form-wrap      { padding: 1.5rem; }
  .cs-form-grid            { grid-template-columns: 1fr; }
}