/* FinZolve shared UI — nav, sticky bar, trust, forms, loan pages helpers */
html { scroll-behavior: smooth; overflow-x: clip; }
body { overflow-x: clip; max-width: 100%; }
:root {
    --bg: #0a0e17;
    --card: #111827;
    --gold: #d4af37;
    --gold-light: #f3e5ab;
    --text: #f3f4f6;
    --muted: #9ca3af;
    --border: rgba(212, 175, 55, 0.15);
}

/* Unified site header with mobile menu */
.site-header, .legal-header {
    position: sticky; top: 0; z-index: 200;
    background: rgba(10, 14, 23, 0.92);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border);
    padding: 0.9rem 1.5rem;
}
.site-header .header-inner, .legal-header .header-inner {
    max-width: 1180px; margin: 0 auto;
    display: flex; justify-content: space-between; align-items: center;
    gap: 1rem; width: 100%;
}
.logo {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    text-decoration: none;
    flex-shrink: 0;
    line-height: 1;
}
.logo-mark {
    width: 40px;
    height: 40px;
    flex-shrink: 0;
    display: block;
}
.logo-word {
    font-size: 1.42rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1;
    background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 55%, #b8860b 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    color: var(--gold);
}
.logo-word .logo-z {
    font-size: 1.5em;
    line-height: 0.85;
    vertical-align: -0.06em;
}
@media (max-width: 480px) {
    .logo-mark { width: 34px; height: 34px; }
    .logo-word { font-size: 1.2rem; }
}
.nav-toggle {
    display: none;
    background: transparent; border: 1px solid var(--border);
    color: var(--gold); border-radius: 8px; padding: 0.45rem 0.65rem;
    font-size: 1.1rem; cursor: pointer; font-family: inherit;
}
.nav-apply-btn {
    color: #0a0e17 !important;
    background: linear-gradient(135deg, var(--gold-light), var(--gold));
    padding: 0.4rem 0.9rem !important;
    border-radius: 6px;
    font-weight: 700 !important;
}
.nav-dropdown { position: relative; }
.nav-dropdown-btn {
    background: transparent; border: none; color: var(--muted);
    font-weight: 600; font-size: 0.88rem; cursor: pointer;
    font-family: inherit; padding: 0.35rem 0.1rem;
}
.nav-dropdown-btn:hover, .nav-dropdown.is-open .nav-dropdown-btn { color: var(--gold); }
.nav-dropdown-menu {
    display: none; position: absolute; top: 100%; left: 0; min-width: 220px;
    background: var(--card); border: 1px solid var(--border);
    border-radius: 10px; padding: 0.5rem 0; margin-top: 0.35rem;
    box-shadow: 0 12px 30px rgba(0,0,0,0.4); z-index: 300;
}
.nav-dropdown.is-open .nav-dropdown-menu { display: block; }
.nav-dropdown-menu a {
    display: block; padding: 0.55rem 1rem; color: var(--muted);
    text-decoration: none; font-size: 0.85rem; font-weight: 600;
}
.nav-dropdown-menu a:hover, .nav-dropdown-menu a.active { color: var(--gold); background: rgba(212,175,55,0.06); }

@media (min-width: 901px) {
    .site-header .page-nav, .legal-header .page-nav {
        display: flex !important;
        flex-wrap: wrap;
        align-items: center;
        justify-content: flex-end;
        gap: 0.35rem 0.65rem;
        max-width: calc(100% - 8.5rem);
    }
    .site-header .page-nav a, .legal-header .page-nav a {
        white-space: nowrap;
        font-size: 0.82rem;
    }
    .nav-apply-btn { flex-shrink: 0; }
}
@media (max-width: 900px) {
    .nav-toggle { display: block; margin-left: auto; }
    .site-header, .legal-header { padding: 0.75rem 1rem; }
    .site-header .page-nav, .legal-header .page-nav {
        display: none; width: 100%; flex-direction: column;
        align-items: stretch; gap: 0.25rem;
        padding-top: 0.75rem; border-top: 1px solid var(--border);
    }
    .site-header .page-nav.is-open, .legal-header .page-nav.is-open { display: flex; }
    .site-header .header-inner, .legal-header .header-inner { flex-wrap: wrap; }
    .nav-dropdown-menu {
        position: static; box-shadow: none; border: none;
        background: rgba(0,0,0,0.2); margin: 0.25rem 0 0.5rem;
    }
    .nav-dropdown.is-open .nav-dropdown-menu { display: block; }
}

/* Sticky mobile CTA */
.mobile-sticky-bar {
    display: none;
    position: fixed; bottom: 0; left: 0; right: 0; z-index: 190;
    background: rgba(10, 14, 23, 0.96);
    border-top: 1px solid var(--border);
    padding: 0.55rem 0.75rem;
    gap: 0.5rem;
    backdrop-filter: blur(8px);
}
.mobile-sticky-bar a, .mobile-sticky-bar button {
    flex: 1; text-align: center; text-decoration: none;
    font-weight: 700; font-size: 0.78rem; border-radius: 8px;
    padding: 0.65rem 0.4rem; font-family: inherit; border: none; cursor: pointer;
}
.sticky-apply {
    background: linear-gradient(135deg, var(--gold-light), var(--gold));
    color: #0a0e17;
}
.sticky-wa { background: #22c55e; color: #fff; }
.sticky-call {
    background: transparent; color: var(--gold);
    border: 1px solid var(--border) !important;
}
@media (max-width: 768px) {
    .mobile-sticky-bar {
        display: flex;
        padding: 0.55rem 0.75rem calc(0.55rem + env(safe-area-inset-bottom, 0px));
    }
    body.has-sticky-bar { padding-bottom: calc(4rem + env(safe-area-inset-bottom, 0px)); }
}

/* Language toggle */
.lang-toggle {
    display: inline-flex; border: 1px solid var(--border);
    border-radius: 100px; overflow: hidden; margin-bottom: 0;
    flex-shrink: 0;
}
.lang-toggle button {
    background: transparent; border: none; color: var(--muted);
    padding: 0.35rem 0.85rem; font-size: 0.75rem; font-weight: 700;
    cursor: pointer; font-family: inherit;
}
.lang-toggle button.is-active {
    background: rgba(212,175,55,0.15); color: var(--gold);
}
.nav-lang-toggle button {
    padding: 0.3rem 0.65rem;
    font-size: 0.72rem;
}
@media (max-width: 900px) {
    .nav-lang-toggle {
        align-self: flex-start;
        margin: 0.15rem 0 0.35rem;
    }
}

html[lang="ta"] body,
body.lang-ta {
    font-family: 'Noto Sans Tamil', 'Plus Jakarta Sans', system-ui, sans-serif;
}

/* Bilingual typography — Tamil needs more line-height, no uppercase */
html[lang="ta"] .eyebrow,
body.lang-ta .eyebrow {
    text-transform: none;
    letter-spacing: 0.04em;
    font-size: 0.78rem;
    line-height: 1.5;
}
html[lang="ta"] .hero-title,
body.lang-ta .hero-title {
    font-size: clamp(1.5rem, 3.2vw, 2.15rem);
    line-height: 1.45;
    word-break: normal;
    overflow-wrap: anywhere;
}
html[lang="ta"] .hero-lead,
body.lang-ta .hero-lead {
    line-height: 1.75;
    font-size: 0.92rem;
}
html[lang="ta"] .badge,
body.lang-ta .badge {
    font-size: 0.7rem;
    line-height: 1.45;
    padding: 0.4rem 0.7rem;
    letter-spacing: 0;
}
html[lang="ta"] .hero-cta .btn-primary,
html[lang="ta"] .hero-cta .btn-ghost,
body.lang-ta .hero-cta .btn-primary,
body.lang-ta .hero-cta .btn-ghost {
    font-size: 0.82rem;
    padding: 0.72rem 1rem;
    line-height: 1.35;
    text-align: center;
}
html[lang="ta"] .hero-tab,
body.lang-ta .hero-tab {
    font-size: 0.78rem;
    line-height: 1.35;
    padding: 0.85rem 0.5rem;
}
html[lang="ta"] .step-pill,
body.lang-ta .step-pill {
    font-size: 0.65rem;
    line-height: 1.35;
    padding: 0.5rem 0.25rem;
}
html[lang="ta"] .consent-row span,
body.lang-ta .consent-row span {
    line-height: 1.65;
    font-size: 0.74rem;
}
html[lang="ta"] .submit-btn,
body.lang-ta .submit-btn {
    font-size: 0.88rem;
    line-height: 1.4;
}
html[lang="ta"] #tab-apply .submit-btn,
html[lang="ta"] #tab-apply .btn-secondary,
body.lang-ta #tab-apply .submit-btn,
body.lang-ta #tab-apply .btn-secondary {
    font-size: 0.72rem;
    line-height: 1.25;
}
html[lang="ta"] .nav-apply-btn,
body.lang-ta .nav-apply-btn {
    font-size: 0.76rem !important;
    padding: 0.38rem 0.7rem !important;
}
html[lang="ta"] .response-promise,
body.lang-ta .response-promise {
    line-height: 1.6;
    font-size: 0.72rem;
}
html[lang="ta"] .mobile-sticky-bar a,
body.lang-ta .mobile-sticky-bar a {
    font-size: 0.78rem;
    line-height: 1.3;
}
html[lang="ta"] .apply-note,
body.lang-ta .apply-note {
    line-height: 1.55;
    font-size: 0.72rem;
}
html[lang="ta"] .hero-tab-panel h2,
body.lang-ta .hero-tab-panel h2 {
    line-height: 1.4;
}
html[lang="ta"] .step-indicator,
body.lang-ta .step-indicator {
    gap: 0.35rem;
}
html[lang="ta"] .loan-page .briefing-title,
body.lang-ta .loan-page .briefing-title {
    line-height: 1.45;
    font-size: clamp(1.35rem, 2.8vw, 1.85rem);
}
html[lang="ta"] .loan-page .briefing-box p,
body.lang-ta .loan-page .briefing-box p {
    line-height: 1.75;
    font-size: 0.95rem;
}
html[lang="ta"] .loan-page .gold-btn,
body.lang-ta .loan-page .gold-btn {
    font-size: 0.88rem;
    line-height: 1.4;
    padding: 0.85rem 1.25rem;
}
html[lang="ta"] .loan-page .cta-section h2,
body.lang-ta .loan-page .cta-section h2 {
    line-height: 1.4;
    font-size: clamp(1.25rem, 2.5vw, 1.75rem);
}
html[lang="ta"] .legal-main h1,
body.lang-ta .legal-main h1 {
    line-height: 1.4;
}
html[lang="ta"] .legal-main h2,
body.lang-ta .legal-main h2 {
    line-height: 1.45;
}
html[lang="ta"] .section-head h2,
body.lang-ta .section-head h2 {
    line-height: 1.4;
}
html[lang="ta"] .loan-card-body h3,
body.lang-ta .loan-card-body h3 {
    line-height: 1.35;
    font-size: 1rem;
}
html[lang="ta"] .loan-card-body p,
body.lang-ta .loan-card-body p {
    line-height: 1.55;
}
html[lang="ta"] .faq-item summary,
body.lang-ta .faq-item summary {
    line-height: 1.5;
    font-size: 0.88rem;
}
html[lang="ta"] .faq-item p,
body.lang-ta .faq-item p {
    line-height: 1.65;
}
html[lang="ta"] .journey-step h4,
body.lang-ta .journey-step h4 {
    line-height: 1.35;
}
html[lang="ta"] .city-card p,
body.lang-ta .city-card p {
    line-height: 1.65;
}
html[lang="ta"] .partner-pill,
body.lang-ta .partner-pill {
    font-size: 0.72rem;
    line-height: 1.35;
}

html[lang="ta"] .loan-page .category-tag,
body.lang-ta .loan-page .category-tag {
    font-size: 0.78rem;
    line-height: 1.45;
    letter-spacing: 0;
    text-transform: none;
}

body.lang-ta .loan-page .category-content h3 {
    font-size: 1.2rem;
    line-height: 1.45;
}

body.lang-ta .loan-page .category-content p {
    font-size: 0.92rem;
    line-height: 1.75;
}

body.lang-ta .loan-page .panel-box li {
    font-size: 0.9rem;
    line-height: 1.7;
}

body.lang-ta .loan-page .panel-box p {
    font-size: 0.9rem;
    line-height: 1.75;
}

html[lang="ta"] .journey-step .j-num,
body.lang-ta .journey-step .j-num {
    text-transform: none;
    letter-spacing: 0;
}

html[lang="ta"] body.loan-page,
body.lang-ta.loan-page {
    font-family: 'Noto Sans Tamil', 'Plus Jakarta Sans', system-ui, sans-serif;
}

html[lang="ta"] .loan-page .section-lead,
body.lang-ta .loan-page .section-lead {
    line-height: 1.75;
    font-size: 0.92rem;
}

html[lang="ta"] .loan-page .panel-box h3,
body.lang-ta .loan-page .panel-box h3 {
    line-height: 1.45;
    font-size: 0.95rem;
}

html[lang="ta"] .nav-dropdown-menu a,
body.lang-ta .nav-dropdown-menu a {
    white-space: normal;
    line-height: 1.4;
    font-size: 0.82rem;
}

html[lang="ta"] select,
html[lang="ta"] .hero-panel select,
body.lang-ta select,
body.lang-ta .hero-panel select {
    font-size: 0.88rem;
    line-height: 1.4;
}

html[lang="ta"] .stat-box span,
body.lang-ta .stat-box span {
    line-height: 1.45;
    font-size: 0.78rem;
}

html[lang="ta"] .footer-col h4,
body.lang-ta .footer-col h4 {
    text-transform: none;
    letter-spacing: 0.04em;
    line-height: 1.4;
}

html[lang="ta"] .nav-dropdown-btn,
body.lang-ta .nav-dropdown-btn {
    font-size: 0.82rem;
    line-height: 1.35;
}

@media (max-width: 767px) {
    html[lang="ta"] .loan-page .category-tag,
    body.lang-ta .loan-page .category-tag {
        max-width: 100%;
        white-space: normal;
    }
    .testimonial-grid { grid-template-columns: 1fr; }
    .journey-timeline { grid-template-columns: 1fr 1fr; }
    .city-grid { grid-template-columns: 1fr; }
    .partner-strip { gap: 0.4rem; }
    .partner-pill { font-size: 0.68rem; padding: 0.35rem 0.6rem; }
}
@media (max-width: 420px) {
    .journey-timeline { grid-template-columns: 1fr; }
    .mobile-sticky-bar a, .mobile-sticky-bar button { font-size: 0.72rem; padding: 0.6rem 0.3rem; }
}

/* Form validation */
.field-error {
    display: block; font-size: 0.72rem; color: #fca5a5;
    margin-top: 0.3rem; min-height: 0;
}
.form-group.has-error input,
.form-group.has-error select { border-color: rgba(252,165,165,0.6); }

/* Security & response notes */
.security-note, .response-promise {
    font-size: 0.75rem; color: var(--muted); line-height: 1.5;
    text-align: center; margin-top: 0.5rem;
}
.response-promise strong { color: var(--gold-light); }
.security-note { margin-bottom: 0.75rem; }

/* Loan card badges & actions */
.loan-meta {
    display: flex; flex-wrap: wrap; gap: 0.35rem; margin: 0.5rem 0 0.75rem;
}
.loan-meta span {
    font-size: 0.68rem; font-weight: 600; padding: 0.2rem 0.5rem;
    border-radius: 100px; background: rgba(212,175,55,0.08);
    border: 1px solid var(--border); color: var(--muted);
}
.loan-card-actions {
    display: flex; gap: 0.5rem; margin-top: auto; padding-top: 0.85rem;
    flex-wrap: wrap; align-items: center;
}
.loan-card-actions .apply-btn-sm {
    background: linear-gradient(135deg, var(--gold-light), var(--gold));
    color: #0a0e17; padding: 0.45rem 0.85rem; border-radius: 6px;
    font-weight: 700; font-size: 0.78rem; text-decoration: none;
}
.loan-card-actions .read-btn { margin-top: 0; }

/* EMI → Apply bridge */
.emi-apply-bridge {
    margin-top: 1rem; padding: 1rem;
    background: rgba(212,175,55,0.06); border: 1px solid var(--border);
    border-radius: 10px; text-align: center;
}
.emi-apply-bridge p { font-size: 0.82rem; color: var(--muted); margin-bottom: 0.75rem; }

/* Testimonials */
.testimonial-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}
.testimonial-card {
    background: var(--card); border: 1px solid var(--border);
    border-radius: 12px; padding: 1.25rem;
}
.testimonial-card .quote { font-size: 0.88rem; color: var(--muted); line-height: 1.6; margin-bottom: 1rem; }
.testimonial-card .author { font-size: 0.82rem; font-weight: 700; color: var(--text); }
.testimonial-card .meta { font-size: 0.75rem; color: var(--gold); margin-top: 0.2rem; }

/* Partner strip */
.partner-strip {
    display: flex; flex-wrap: wrap; gap: 0.5rem; justify-content: center;
    margin-top: 1.25rem;
}
.partner-pill {
    font-size: 0.72rem; font-weight: 700; padding: 0.4rem 0.75rem;
    border-radius: 6px; background: rgba(0,0,0,0.35);
    border: 1px solid var(--border); color: var(--muted);
}

/* Journey timeline (after apply) */
.journey-timeline {
    display: grid; gap: 0.75rem;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
}
.journey-step {
    background: var(--card); border: 1px solid var(--border);
    border-radius: 10px; padding: 1rem; position: relative;
}
.journey-step .j-num {
    font-size: 0.7rem; font-weight: 800; color: var(--gold);
    text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.35rem;
}
.journey-step h4 { font-size: 0.88rem; margin-bottom: 0.3rem; }
.journey-step p { font-size: 0.78rem; color: var(--muted); line-height: 1.5; margin: 0; }
.journey-step .time { font-size: 0.7rem; color: #86efac; margin-top: 0.4rem; display: block; }

/* City cards */
.city-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.city-card {
    background: var(--card); border: 1px solid var(--border);
    border-radius: 12px; padding: 1.25rem;
}
.city-card h3 { font-size: 1rem; color: var(--gold); margin-bottom: 0.5rem; }
.city-card p { font-size: 0.82rem; color: var(--muted); line-height: 1.6; margin-bottom: 0.75rem; }
.city-card a { font-size: 0.8rem; font-weight: 700; color: var(--gold-light); text-decoration: none; }

/* Abandoned lead nudge */
.abandon-nudge {
    display: none; position: fixed; bottom: 4.5rem; left: 1rem; right: 1rem;
    max-width: 400px; margin: 0 auto; z-index: 185;
    background: var(--card); border: 1px solid var(--border);
    border-radius: 12px; padding: 1rem; box-shadow: 0 10px 40px rgba(0,0,0,0.5);
}
.abandon-nudge.is-visible { display: block; }
.abandon-nudge p { font-size: 0.82rem; color: var(--muted); margin-bottom: 0.75rem; line-height: 1.5; }
.abandon-nudge .nudge-actions { display: flex; gap: 0.5rem; flex-wrap: wrap; }
.abandon-nudge button, .abandon-nudge a {
    flex: 1; min-width: 120px; text-align: center; font-size: 0.78rem;
    font-weight: 700; padding: 0.55rem; border-radius: 6px;
    text-decoration: none; font-family: inherit; cursor: pointer; border: none;
}
.nudge-continue { background: var(--gold); color: #0a0e17; }
.nudge-wa { background: #22c55e; color: #fff; }
.nudge-dismiss { background: transparent; color: var(--muted); border: 1px solid var(--border) !important; }

/* Loan product pages */
body.loan-page {
    font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
    --text-light: var(--text);
    --text-muted: var(--muted);
    --gold-primary: var(--gold);
    --gold-hover: var(--gold-light);
    --bg-dark: var(--bg);
    --card-dark: var(--card);
}
.loan-page .premium-container { max-width: 1180px; margin: 0 auto; padding: 3rem 1.5rem 4rem; }
.loan-page .briefing-box {
    background: linear-gradient(145deg, #111827, #1f2937);
    border-left: 5px solid var(--gold); border-radius: 12px;
    padding: 2rem; margin-bottom: 3rem;
}
.loan-page .briefing-title { color: var(--gold); font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 1rem; }
.loan-page .info-panel {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1.25rem; margin-bottom: 3rem;
}
.loan-page .panel-box {
    background: var(--card); border: 1px solid var(--border);
    border-radius: 12px; padding: 1.5rem;
}
.loan-page .panel-box h3 { color: var(--gold); font-size: 1rem; margin: 0 0 0.65rem; }
.loan-page .panel-box p, .loan-page .panel-box li { color: var(--muted); font-size: 0.9rem; line-height: 1.65; }
.loan-page .panel-box ul { margin: 0; padding-left: 1.2rem; }
.loan-page .category-grid { display: grid; gap: 2rem; margin-top: 2rem; }
.loan-page .category-card {
    background: var(--card); border: 1px solid var(--border); border-radius: 12px;
    overflow: hidden; display: flex; flex-direction: column;
    transition: transform 0.25s, border-color 0.25s;
}
@media (min-width: 768px) {
    .loan-page .category-card { flex-direction: row; }
    .loan-page .category-card:nth-child(even) { flex-direction: row-reverse; }
    .loan-page .category-img, .loan-page .category-content { width: 50%; }
}
.loan-page .category-card:hover { transform: translateY(-4px); border-color: rgba(212,175,55,0.4); }
.loan-page .category-img img { width: 100%; height: 100%; object-fit: cover; min-height: 220px; display: block; }
.loan-page .category-content { padding: 2rem; display: flex; flex-direction: column; justify-content: center; }
.loan-page .category-tag {
    background: rgba(212,175,55,0.1); color: var(--gold);
    padding: 0.35rem 0.85rem; border-radius: 100px; font-size: 0.8rem;
    font-weight: 600; display: inline-block; margin-bottom: 0.75rem;
    border: 1px solid var(--border); width: fit-content;
}
.loan-page .category-content h3 { font-size: 1.35rem; margin-bottom: 0.75rem; }
.loan-page .category-content p { color: var(--muted); line-height: 1.7; margin: 0; }
.loan-page .faq-item {
    background: var(--card); border: 1px solid var(--border);
    border-radius: 10px; margin-bottom: 0.5rem;
}
.loan-page .faq-item summary {
    padding: 1rem 1.15rem; cursor: pointer; font-weight: 600;
    font-size: 0.9rem; list-style: none;
}
.loan-page .faq-item summary::-webkit-details-marker { display: none; }
.loan-page .faq-item p { padding: 0 1.15rem 1.15rem; margin: 0; color: var(--muted); font-size: 0.88rem; line-height: 1.65; }
.loan-page .cta-section {
    text-align: center; margin-top: 3.5rem; padding: 2.5rem 1.5rem;
    background: radial-gradient(ellipse 80% 60% at 50% 100%, rgba(212,175,55,0.06), transparent);
    border-radius: 14px; border: 1px solid var(--border);
}
.loan-page .gold-btn {
    background: linear-gradient(135deg, var(--gold-light), var(--gold));
    color: #0a0e17; padding: 0.85rem 2rem; font-weight: 700;
    border-radius: 8px; text-decoration: none; display: inline-block;
    margin: 0 0.35rem 0.5rem;
}
.loan-page .section-title {
    font-size: clamp(1.35rem, 3vw, 1.75rem);
    text-align: center; margin-bottom: 1rem; color: var(--text);
}
.loan-page .section-lead {
    text-align: center; color: var(--muted); margin-bottom: 2.5rem;
    max-width: 680px; margin-left: auto; margin-right: auto; line-height: 1.7;
}
.loan-page .faq-section-title {
    font-size: 1.5rem; text-align: center; margin-bottom: 1.5rem; color: var(--text);
}