:root{
	/* Palette */
	--pk-blue:#0073B8;
	--navy:#0B2540;
	--cta-orange:#F58220;
	--warm-orange:#FF6F00;
	--sun-yellow:#FFCC00;
	--alert-red:#D62D20;
	--bg:#F7F9FB;
	--surface:#FFFFFF;
	--text-primary:#111827;
	--text-muted:#6B7280;
	--muted-border:#E6EAF0;
	--success:#17A85B;

	/* Spacing / type */
	--space-xs:6px;
	--space-sm:12px;
	--space-md:20px;
	--space-lg:32px;
	--radius-sm:8px;
	--radius-md:14px;
	--radius-lg:20px;
	--font-sans:"Inter","Poppins",system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial;

	/* Gradients */
	--grad-hero:linear-gradient(135deg,#0073B8 0%,#4AA0E6 50%,#FF6F00 100%);
	--grad-cta:linear-gradient(90deg,#F58220 0%,#FF6F00 100%);
}

[data-theme="dark"]{
	--bg:#0B1220;
	--surface:#071126;
	--text-primary:#E6EEF5;
	--muted-border:rgba(255,255,255,0.06);
}

/* Reset-ish */
*{box-sizing:border-box}
html,body{height:100%}
body{
	font-family:var(--font-sans);
	background:var(--bg);
	color:var(--text-primary);
	line-height:1.45;
	margin:0;
}
img{max-width:100%;display:block}
a{color:var(--pk-blue);text-decoration:none}
a:hover{text-decoration:underline}

.container{width:min(1120px,100% - 40px);margin-inline:auto}
.muted{color:var(--text-muted)}
.small{font-size:14px}

/* Hello bar */
.hello-bar{background:var(--sun-yellow);color:#1a1a1a;border-bottom:1px solid #f1c000}

/* Navbar */
.navbar{
    background:linear-gradient(180deg,rgba(255,255,255,0.7),rgba(255,255,255,0.9));
    backdrop-filter:blur(6px);
}
.brand{display:flex;align-items:center;gap:10px}
.brand-logo{width:36px;height:36px;border-radius:10px;object-fit:cover}
.brand-logo.sm{width:28px;height:28px}
.brand-name{font-weight:800;color:var(--navy);font-size:20px}
.nav-links a{color:var(--navy);font-weight:600}
.nav-actions{display:flex;gap:12px}

/* Buttons */
.btn-primary{
	display:inline-block;font-weight:600;padding:12px 20px;border-radius:12px;
	background:var(--grad-cta);color:#fff;border:none;box-shadow:0 6px 18px rgba(245,130,32,0.18);cursor:pointer
}
.btn-primary:focus-visible{outline:3px solid #ffe0c2;outline-offset:2px}
.btn-outline{background:transparent;border:1px solid rgba(11,37,64,0.08);color:var(--navy);padding:10px 18px;border-radius:10px;cursor:pointer}
.btn-outline:focus-visible{outline:3px solid #cfe3ff;outline-offset:2px}

/* Hero */
.hero-section{padding:24px 0 10px}
/* About top */
.about-top{padding:12px 0;background:radial-gradient(800px 200px at 10% -10%, rgba(0,115,184,.10), transparent 60%), radial-gradient(600px 180px at 100% 0%, rgba(255,111,0,.10), transparent 60%)}
.about-card{background:linear-gradient(#fff,#fff) padding-box, linear-gradient(135deg, rgba(0,115,184,.35), rgba(255,111,0,.35)) border-box;border:1px solid transparent;border-radius:18px;padding:16px;box-shadow:0 8px 22px rgba(11,37,64,0.06)}
.about-title{font-size:36px;line-height:1.1;margin:0;color:var(--navy)}
.about-sub{margin:6px 0 0}
.about-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}
.about-stats .stat{display:flex;align-items:center;gap:8px;border-radius:12px;padding:8px 10px;border:1px solid var(--muted-border);background:#fff;box-shadow:0 4px 12px rgba(0,0,0,.04)}
.about-stats .stat i{font-size:18px}
.about-stats .stat:nth-child(1) i{color:var(--pk-blue)}
.about-stats .stat:nth-child(2) i{color:var(--warm-orange)}
.about-stats .stat:nth-child(3) i{color:var(--success)}
.about-stats .stat:nth-child(4) i{color:#6f42c1}
.about-stats .stat .stat-text{display:flex;flex-direction:column}
.about-stats .num{font-weight:800;color:var(--navy);font-size:18px}
.about-stats .lbl{font-size:12px;color:var(--text-muted)}
.hero{background:var(--grad-hero);color:#fff;padding:72px 20px;border-radius:var(--radius-lg);box-shadow:0 12px 40px rgba(3,16,40,0.12)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center}
.hero-copy h1{font-size:44px;line-height:1.12;margin:12px 0 12px}
.lead{color:#f3f6fb;max-width:56ch}
.hero-ctas{display:flex;gap:12px;margin-top:12px}
.hero-card-wrap{align-self:stretch}

/* Apply section */
.apply-section{margin-top:10px}
.list-center{list-style:disc;display:inline-block;text-align:left}
.benefits{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:6px}
.pill{background:#fff;border:1px solid var(--muted-border);padding:6px 10px;border-radius:999px;font-weight:700;font-size:12px;color:var(--navy)}
.list-center{list-style:disc; display:inline-block; text-align:left}
.benefits{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:6px}
.pill{background:#fff;border:1px solid var(--muted-border);padding:6px 10px;border-radius:999px;font-weight:700;font-size:12px;color:var(--navy)}

/* Card */
.card{background:var(--surface);border-radius:var(--radius-md);padding:var(--space-md);box-shadow:0 6px 18px rgba(11,37,64,0.06);border:1px solid var(--muted-border)}
.eligibility-card .card-title{color:var(--navy);margin:0 0 10px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-grid label{display:flex;flex-direction:column;gap:6px;font-weight:600;color:var(--navy)}
.form-grid input{padding:12px 12px;border-radius:10px;border:1px solid var(--muted-border);background:#fff}
.form-grid input:focus{outline:2px solid #cfe3ff;border-color:#b7d2fa}
.form-grid button{grid-column:1/-1;margin-top:6px}
.form-hint{grid-column:1/-1;margin:6px 0 0;color:var(--text-muted);font-size:12px}
.form-result{grid-column:1/-1;margin-top:4px}
.form-result.ok{color:var(--success)}
.form-result.err{color:var(--alert-red)}

/* Badge */
.badge-yellow{background:var(--sun-yellow);color:#1a1a1a;padding:6px 10px;border-radius:999px;font-weight:700;font-size:12px;display:inline-block}

/* Trust bar */
.trustbar-section{padding:30px 0}
.trust-eyebrow{color:var(--text-muted);text-align:center;margin:0 0 10px}
.trust-logos{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.trust-logo{background:#fff;border:1px solid var(--muted-border);border-radius:12px;padding:14px;text-align:center;color:var(--navy);font-weight:700}
.trust-carousel .trust-logo{min-width:140px}
.logo-img{height:28px;width:auto;opacity:0.95;transition:opacity .2s ease, transform .2s ease}
.logo-img:hover{opacity:1;transform:translateY(-1px)}
.logo-fallback{height:40px;min-width:120px;display:inline-flex;align-items:center;justify-content:center;padding:6px 10px;border:1px dashed var(--muted-border);border-radius:10px;background:#fff;color:var(--navy);font-weight:800}

/* Offers */
.offers-section{padding:26px 0}
.section-head{display:flex;align-items:end;justify-content:space-between;margin-bottom:12px}
.section-head h2{color:var(--navy);margin:0}
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.offer .offer-title{color:var(--navy);margin:0 0 6px}
.offer-rate{color:var(--text-muted);margin:0 0 10px}
.offer .rate{color:var(--pk-blue);font-weight:800}
.offer-points{margin:0 0 12px;padding-left:18px;color:var(--text-muted)}
.offer.popular{position:relative;border:1px solid #ffd98a}
.offer.popular .badge-yellow{position:absolute;top:12px;right:12px}

/* App-style offer cards */
.app-card{background:var(--surface);border:1px solid var(--muted-border);border-radius:16px;padding:16px;box-shadow:0 6px 18px rgba(11,37,64,0.06);display:flex;flex-direction:column;gap:8px}
.app-card-head{display:flex;justify-content:space-between;align-items:center}
.app-icon{width:40px;height:40px;border-radius:10px;display:inline-grid;place-items:center;color:#fff;font-size:20px}
.bg-orange{background:var(--warm-orange)}
.bg-blue{background:var(--pk-blue)}
.bg-green{background:var(--success)}
.rate-badge{background:rgba(11,37,64,0.06);border:1px solid var(--muted-border);padding:4px 10px;border-radius:999px;color:var(--navy);font-weight:700;font-size:12px}
.app-title{margin:0;color:var(--navy)}
.chips{display:flex;gap:8px;flex-wrap:wrap}
.chip{background:#fff;border:1px solid var(--muted-border);border-radius:999px;padding:6px 10px;font-size:12px;color:var(--navy);font-weight:700}

/* Testimonials */
.testimonials-section{padding:24px 0 34px}
.testimonials-grid{grid-template-columns:repeat(3,1fr)}
.testimonial blockquote{margin:0 0 10px;color:var(--navy)}
.quote-mark{color:var(--warm-orange);font-size:24px;font-weight:800;margin-right:6px}
.testimonial figcaption{color:var(--text-muted)}

/* New testimonial cards */
.tcard{border-radius:18px;border:1px solid var(--muted-border);box-shadow:0 10px 24px rgba(11,37,64,0.08);overflow:hidden}
.t-head{position:relative;display:flex;align-items:center;gap:10px;padding:14px 16px;border-bottom:1px solid var(--muted-border)}
.t-head:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:3px;background:linear-gradient(90deg, rgba(0,115,184,.25), rgba(255,111,0,.25))}
.avatar{width:44px;height:44px;border-radius:999px;object-fit:cover}
.name{font-weight:800;color:var(--navy)}
.meta{font-size:12px;color:var(--text-muted)}
.stars{color:#F59E0B}
.stars i{font-size:14px;margin-left:2px}
.t-body{position:relative;padding:16px 16px 18px 44px;color:var(--navy);line-height:1.55}
.qmark{position:absolute;left:16px;top:10px;color:var(--warm-orange);font-size:26px;font-weight:800;opacity:.85}
.t-body:before{content:"";position:absolute;inset:0 0 auto 0;height:0}

/* Why section */
.why-section{padding:16px 0 28px;background:radial-gradient(1200px 300px at 10% -20%, rgba(0,115,184,0.10), transparent 60%), radial-gradient(800px 240px at 100% 0%, rgba(255,111,0,0.08), transparent 60%)}
.why-grid .why-item h3{margin:0 0 6px;color:var(--navy)}

/* App-style features */
.feature-card{position:relative;background:linear-gradient(#fff,#fff) padding-box, linear-gradient(135deg, rgba(0,115,184,0.35), rgba(255,111,0,0.35)) border-box;border:1px solid transparent;border-radius:24px;padding:26px;box-shadow:0 10px 28px rgba(11,37,64,0.06);overflow:hidden;transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;min-height:260px}
.feature-card::after{content:"";position:absolute;inset:auto -40% -40% auto;width:220px;height:220px;background:radial-gradient(closest-side, rgba(0,115,184,0.12), transparent 70%);transform:rotate(25deg)}
.feature-card:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(11,37,64,0.12)}
.feature-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.feature-icon{width:56px;height:56px;border-radius:14px;display:inline-grid;place-items:center;color:#fff;font-size:26px;box-shadow:0 6px 18px rgba(0,0,0,0.08), inset 0 0 0 2px rgba(255,255,255,0.35)}
.feature-badge{position:absolute;top:14px;right:14px;background:#fff;border:1px solid var(--muted-border);padding:6px 12px;border-radius:999px;color:var(--navy);font-weight:800;font-size:12px;box-shadow:0 2px 8px rgba(11,37,64,0.06)}
.feature-title{margin:0 0 8px;color:var(--navy);font-size:22px}
.mini-stats{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px;color:var(--text-muted);font-weight:700}
.mini-stats i{color:var(--pk-blue)}
.feature-chips{margin-top:6px}
.feature-card .btn{border-radius:999px;padding:8px 14px}
.feature-card .btn-outline-secondary{background:#fff}

/* Process steps */
.process-section{padding:10px 0 24px}
.steps{list-style:none;margin:0;padding:0}
.steps-app .step-card{position:relative;background:var(--surface);border:1px solid var(--muted-border);border-radius:16px;padding:16px;box-shadow:0 6px 18px rgba(11,37,64,0.06)}
.steps-app .step-card::after{content:"";display:none}
.steps-app .step-head{display:flex;align-items:center;gap:10px;margin-bottom:6px}
.steps-app .step-num{width:36px;height:36px;display:inline-grid;place-items:center;border-radius:999px;background:var(--sun-yellow);color:#1a1a1a;font-weight:800;box-shadow:0 3px 8px rgba(0,0,0,0.06)}
.steps-app .step-title{font-weight:800;color:var(--navy)}

@media (min-width: 992px){
	.steps-app{position:relative}
	.steps-app .col{position:relative}
	.steps-app .col:not(:last-child) .step-card::after{display:block;content:"";position:absolute;top:34px;right:-6px;width:12px;height:2px;background:linear-gradient(90deg, rgba(0,115,184,0.4), rgba(255,111,0,0.4))}
}

/* Eligibility & Documents */
.eligibility-section{padding:12px 0 22px}
.eligibility-section .card{border-radius:16px;border:1px solid var(--muted-border);box-shadow:0 6px 18px rgba(11,37,64,0.06)}
.eligibility-section h3{color:var(--navy);margin:0 0 8px}
.ibox-card{background:#fff;border:1px solid var(--muted-border);border-radius:16px;padding:16px;box-shadow:0 6px 18px rgba(11,37,64,0.06)}
.ibox-head{display:flex;align-items:center;gap:10px;margin-bottom:6px}
.ibox-icon{width:40px;height:40px;border-radius:12px;display:inline-grid;place-items:center;color:#fff}
.ibox-title{margin:0;color:var(--navy)}
.ibox-sub{display:block;font-size:12px;color:var(--text-muted)}
.list{margin:6px 0 0;color:var(--text-muted)}
.list li{margin:8px 0;position:relative;padding-left:16px}
.list li:before{content:"";position:absolute;left:0;top:.6em;width:8px;height:8px;border-radius:999px;background:linear-gradient(135deg, var(--pk-blue), var(--warm-orange))}

/* Rates table */
.rates-section{padding:10px 0 28px}
.table-wrap{overflow:auto;border-radius:14px;border:1px solid var(--muted-border);box-shadow:0 6px 18px rgba(11,37,64,0.06)}
.rates-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff}
.rates-table th,.rates-table td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--muted-border)}
.rates-table thead th{color:var(--navy);background:rgba(11,37,64,0.03)}
.rates-table tbody tr:hover{background:#fafbfd}
.rates-table td:first-child{font-weight:800;color:var(--navy)}

/* FAQ */
.faq-section{padding:10px 0 30px}
.faq-list{display:grid;gap:10px}
.faq-item{background:var(--surface);border:1px solid var(--muted-border);border-radius:12px;padding:10px}
.faq-item summary{cursor:pointer;font-weight:700;color:var(--navy)}
.faq-item[open]{box-shadow:0 6px 18px rgba(11,37,64,0.06)}
.accordion .accordion-item{border:1px solid var(--muted-border);border-radius:12px;overflow:hidden}
.accordion .accordion-button{font-weight:700;color:var(--navy)}
.accordion .accordion-button:focus{box-shadow:0 0 0 .2rem rgba(0,115,184,.15)}
.accordion .accordion-button:not(.collapsed){background:rgba(11,37,64,0.03)}

/* Footer */
.site-footer{margin-top:20px;border-top:1px solid var(--muted-border);background:#fff}
.footer-inner{display:grid;grid-template-columns:1.2fr 2fr;gap:12px;padding:20px 0}
.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.footer-links h4{margin:0 0 8px;color:var(--navy)}
.footer-links a{display:block;color:var(--navy);margin:6px 0}
.footer-bottom{border-top:1px solid var(--muted-border);background:linear-gradient(180deg,rgba(255,255,255,0.75),rgba(255,255,255,0.95))}
.bottom-inner{display:flex;gap:12px;justify-content:space-between;align-items:center;padding:12px 0}

/* Footer social */
.footer-social{display:flex;gap:10px;margin-top:8px}
.social-btn{width:38px;height:38px;border-radius:999px;display:inline-grid;place-items:center;background:#fff;border:1px solid var(--muted-border);color:var(--navy);box-shadow:0 4px 10px rgba(0,0,0,.06)}
.social-btn.wa{background:#25D366;color:#fff;border-color:#1ebe57}
.social-btn:hover{text-decoration:none;filter:brightness(1.02)}

/* Utilities */
.link{color:var(--pk-blue)}

/* Preloader */
#preloader{position:fixed;inset:0;background:#fff;display:grid;place-items:center;z-index:999;transition:opacity .3s ease,visibility .3s ease}
#preloader .loader-wrap{display:flex;flex-direction:column;gap:12px;align-items:center}
#preloader.hide{opacity:0;visibility:hidden}

/* Floating contact + mobile CTA */
.fab{position:fixed;right:14px;width:48px;height:48px;border-radius:999px;display:inline-grid;place-items:center;color:#fff;background:var(--pk-blue);box-shadow:0 8px 22px rgba(0,0,0,0.15);z-index:60}
.fab-call{bottom:86px}
.fab-wa{bottom:30px;background:#25D366}
.mobile-cta{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--muted-border);padding:10px;display:none;gap:10px;justify-content:space-evenly;z-index:55}

/* Responsive */
@media (max-width: 960px){
	.nav-links{display:none}
	.hero-grid{grid-template-columns:1fr}
	.cards-grid{grid-template-columns:1fr 1fr}
	.trust-logos{grid-template-columns:repeat(3,1fr)}
	.footer-inner{grid-template-columns:1fr}
	.footer-links{grid-template-columns:1fr 1fr}
	.steps{grid-template-columns:1fr 1fr}
}
@media (max-width: 640px){
	.container{width:min(1040px,100% - 28px)}
	.hero-copy h1{font-size:36px}
	.form-grid{grid-template-columns:1fr}
	.cards-grid,.testimonials-grid{grid-template-columns:1fr}
	.trust-logos{grid-template-columns:repeat(2,1fr)}
	.mobile-cta{display:flex}
	.fab{right:10px}
	.footer-links{grid-template-columns:1fr}
}