/* =========================
   SCROLL ENTRANCE ANIMATIONS
========================= */
.anim-hidden {
  opacity: 0;
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.anim-fade-up.anim-hidden    { transform: translateY(36px); }
.anim-slide-left.anim-hidden { transform: translateX(-48px); }
.anim-slide-right.anim-hidden{ transform: translateX(48px); }

.anim-visible {
  opacity: 1 !important;
  transform: none !important;
}

/* =========================
   WORKING CAPITAL IMAGE ROTATE
========================= */
@keyframes wcImgRotate {
  0%   { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

.wc-hero-img-rotate {
  animation: wcImgRotate 25s linear infinite;
  transform-origin: center center;
}

/* =========================
   BUSINESS LOAN HERO
========================= */
.bl-hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #cce4ff 0%, #daeeff 50%, #e8f4ff 100%);
  padding: 30px 6% 0;
}

.bl-hero-dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(26,82,204,0.09) 2px, transparent 1.5px);
  background-size: 28px 28px;
  pointer-events: none;
  z-index: 0;
}

.bl-hero-wave-top,
.bl-hero-wave-bot {
  position: absolute;
  left: 0;
  width: 100%;
  pointer-events: none;
  z-index: 0;
  line-height: 0;
}

.bl-hero-wave-top { top: 0; }
.bl-hero-wave-bot { bottom: 0; }

.bl-hero-wave-top svg,
.bl-hero-wave-bot svg { display: block; width: 100%; height: 80px; }

.bl-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.bl-hero-copy {
  display: flex;
  flex-direction: column;
  gap: 0;
  padding-top: 8px;
}

.bl-hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,82,204,0.08);
  border: 1px solid rgba(26,82,204,0.18);
  border-radius: 50px;
  padding: 5px 13px;
  font-size: 12px;
  font-weight: 600;
  color: #1a52cc;
  margin-bottom: 14px;
  width: fit-content;
}

.bl-hero-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #1a52cc;
  display: inline-block;
  flex-shrink: 0;
}

.bl-hero-h1 {
  font-size: clamp(1.3rem, 1.8vw, 1.9rem);
  font-weight: 700;
  color: #012056;
  line-height: 1.2;
  margin-bottom: 14px;
}

.bl-hero-accent {
  font-style: italic;
  color: #1a52cc;
}

.bl-hero-sub {
  font-size: 15px;
  color: #3d4f6e;
  line-height: 1.7;
  margin-bottom: 24px;
  max-width: 520px;
}

.bl-hero-checks {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
  margin-bottom: 28px;
}

.bl-hero-check {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: #1e293b;
}

.bl-chk {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #1a52cc;
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  flex-shrink: 0;
}

.bl-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.bl-hero-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  border-radius: 10px;
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(26,82,204,0.3);
  transition: transform 0.2s, box-shadow 0.2s;
}

.bl-hero-btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(26,82,204,0.35);
}

.bl-hero-btn-secondary {
  display: inline-flex;
  align-items: center;
  padding: 13px 24px;
  border: 1.5px solid #1a52cc;
  color: #1a52cc;
  font-size: 15px;
  font-weight: 600;
  border-radius: 12px;
  text-decoration: none;
  transition: background 0.2s, color 0.2s;
}

.bl-hero-btn-secondary:hover {
  background: #1a52cc;
  color: #fff;
}

.bl-hero-img-wrap {
  display: flex;
  align-items: center;
  justify-content: flex-end;
}

.bl-hero-img {
  width: 100%;
  max-width: 440px;
  height: auto;
  object-fit: contain;
  display: block;
  margin-left: auto;
  margin-right: -40px;
}

/* floating form */
@property --bl-angle {
  syntax: '<angle>';
  initial-value: 0deg;
  inherits: false;
}

@keyframes blBorderSpin {
  to { --bl-angle: 360deg; }
}

.bl-float-form-wrap {
  position: relative;
  z-index: 10;
  display: flex;
  justify-content: center;
  margin-top: -28px;
  margin-bottom: 0;
  padding: 0 6%;
}

/* spinning border wrapper */
.bl-float-border-spin {
  position: relative;
  border-radius: 18px;
  padding: 3px;
  background: conic-gradient(from var(--bl-angle), #0A1F44 0deg, #1a52cc 60deg, #00cfff 120deg, #ffffff 180deg, #00cfff 240deg, #1a52cc 300deg, #0A1F44 360deg);
  animation: blBorderSpin 3s linear infinite;
  box-shadow: 0 8px 40px rgba(26,82,204,0.18);
}

.bl-float-form {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border-radius: 16px;
  padding: 14px 20px;
  border: none;
  flex-wrap: nowrap;
  width: 100%;
}

.bl-float-field {
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1.5px solid #1a2470;
  border-radius: 10px;
  padding: 0 16px;
  height: 54px;
  background: #f0f6ff;
  min-width: 0;
  transition: border-color 0.2s, background 0.2s;
  flex: 1 1 auto;
}

.bl-float-field:focus-within { border-color: #1a52cc; }

.bl-float-field i {
  color: #94a3b8;
  font-size: 14px;
  flex-shrink: 0;
}

.bl-float-pre {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: #334155;
  flex-shrink: 0;
  border-right: 1px solid #e2e8f0;
  padding-right: 10px;
  white-space: nowrap;
}

.bl-float-field input {
  border: none;
  outline: none;
  background: transparent;
  font-size: 16px;
  color: #1e293b;
  width: 100%;
}

.bl-float-field input::placeholder { color: #94a3b8; }

.bl-float-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  white-space: nowrap;
  box-shadow: 0 4px 14px rgba(26,82,204,0.28);
  transition: transform 0.2s, box-shadow 0.2s;
}

.bl-float-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(26,82,204,0.35);
}

@media (max-width: 960px) {
  .bl-hero-inner {
    grid-template-columns: 1fr;
    grid-template-rows: auto auto;
    text-align: center;
    gap: 10px;
  }
  .bl-hero-img-wrap { order: -1; justify-content: center; }
  .bl-hero-img { max-height: 200px; margin: 0 auto; }
  .bl-hero-pill { margin-left: auto; margin-right: auto; }
  .bl-hero-checks { justify-items: center; }
  .bl-hero-actions { justify-content: center; }
  .bl-hero-sub { margin-left: auto; margin-right: auto; }
  .bl-float-form { gap: 10px; padding: 12px 16px; }
  .bl-float-field { min-width: 160px; }
}

@media (max-width: 560px) {
  .bl-hero { padding: 30px 5% 0; }
  .bl-hero-pill { display: none; }
  .bl-hero-h1 { font-size: 1.7rem; }
  .bl-hero-checks { grid-template-columns: 1fr; }
  .bl-hero-img { max-height: 280px; }
  .bl-float-form { flex-direction: column; align-items: stretch; gap: 16px; padding: 24px 20px; }
  .bl-float-field { min-width: unset; height: 56px; padding: 0 18px; font-size: 16px; }
  .bl-float-btn { width: 100%; justify-content: center; height: 46px; font-size: 15px; }
}

@media (max-width: 960px) {
  .bl-hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .pl-form-card-wrap { max-width: 480px; }
}

@media (max-width: 560px) {
  .bl-hero { padding: 60px 5%; }
  .pl-form-card-wrap { max-width: 100%; }
}

.pl-container {
  max-width: 1280px;
  margin: auto;
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(320px, 420px);
  gap: 42px;
  align-items: center;
  position: relative;
  z-index: 2;
  padding-bottom: 28px;
}

/* LEFT SIDE */
.pl-content {}

.pl-badge {
  display: inline-flex;
  align-items: center;
  padding: 8px 14px;
  background: rgba(26,82,204,0.08);
  border: 1px solid rgba(26,82,204,0.2);
  border-radius: 50px;
  color: #1a52cc;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 2px;
  margin-bottom: 16px;
  text-transform: uppercase;
  animation: badgePulse 3s infinite ease-in-out;
}

.pl-content h1 {
  
  font-size: clamp(2rem, 3.2vw, 3.2rem);
  font-weight: 700;
  line-height: 1.12;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 16px;
  letter-spacing: -0.5px;
  overflow: visible;
}

.pl-content h1 .hi,
.pl-content h2 .hi {
  font-style: italic;
  background: linear-gradient(135deg, #38BDF8, #1a52cc);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
  padding-right: 4px;
}

.pl-content h2 {
  
  font-size: clamp(1.9rem, 3vw, 2.8rem);
  line-height: 1.15;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 16px;
}


.pl-desc {
  color: #475569;
  font-size: 1rem;
  line-height: 1.65;
  max-width: 580px;
  margin-bottom: 22px;
}

.pl-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 20px;
}

.pl-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 4px 0;
  color: #0A1F44;
  font-size: 0.88rem;
  font-weight: 500;
}

.pl-chk {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #1a52cc;
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  flex-shrink: 0;
}

/* FORM — animated gradient border */
.pl-form-card-wrap {
  position: relative;
  border-radius: 26px;
  padding: 2px;
  background: linear-gradient(var(--angle, 135deg), #1a52cc, #00cfff, #6366f1, #1a52cc);
  background-size: 300% 300%;
  animation: borderSpin 4s linear infinite;
  box-shadow: 0 20px 50px rgba(10,31,68,0.18);
}

@keyframes borderSpin {
  0%   { --angle: 0deg;   background-position: 0% 50%;   }
  50%  { background-position: 100% 50%; }
  100% { --angle: 360deg; background-position: 0% 50%;   }
}

@property --angle {
  syntax: '<angle>';
  initial-value: 0deg;
  inherits: false;
}

.pl-form-card {
  background: #ffffff;
  border-radius: 24px;
  overflow: hidden;
  border: none;
  width: 100%;
}

.pl-form-card-header {
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  padding: 16px 24px;
  text-align: center;
}

.pl-form-card-header h3 {
  color: #ffffff;
  font-size: 1rem;
  line-height: 1.3;
  margin: 0;
  font-weight: 600;
  white-space: nowrap;
}

.pl-form-card-header h3 span {
  color: #93c5fd;
}

.pl-form-card > .pl-form-card-header + .pl-phone-input,
.pl-form-card > .pl-phone-input,
.pl-form-card > button,
.pl-form-card > p {
  margin-left: 0;
  margin-right: 0;
}

.pl-form-card > .pl-phone-input:first-of-type {
  margin-top: 0;
}

.pl-form-card-body {
  padding: 20px 24px 16px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.pl-phone-input {
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  padding: 20px 18px;
  margin-bottom: 14px;
  background: #f8fafc;
  transition: all .25s ease;
}

.pl-phone-input:focus-within {
  border-color: #1a52cc;
  box-shadow: 0 0 0 3px rgba(26,82,204,0.08);
}

.pl-phone-input span {
  font-weight: 600;
  color: #64748b;
  white-space: nowrap;
  font-size: 0.85rem;
}

.pl-phone-input input {
  width: 100%;
  border: none;
  outline: none;
  background: transparent;
  font-size: 16px;
  color: #0A1F44;
}

.pl-phone-input input::placeholder {
  color: #94a3b8;
}

/* BUTTON */
.pl-form-card button {
  width: 100%;
  height: 48px;
  border: none;
  border-radius: 12px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: all .25s ease;
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(26,82,204,0.25);
  letter-spacing: 0.2px;
}

.pl-form-card button::before {
  content: "";
  position: absolute;
  top: 0;
  left: -120%;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent,
    rgba(255,255,255,0.35),
    transparent
  );
}

.pl-form-card button:hover::before {
  animation: shine .8s ease;
}

.pl-form-card button:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 26px rgba(0,212,255,0.22);
}

/* CONSENT */
.pl-consent {
  display: flex;
  gap: 8px;
  margin-top: 14px;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.5;
  align-items: flex-start;
}

.pl-consent input {
  margin-top: 3px;
  accent-color: #00d4ff;
}

.pl-consent a {
  color: #00d4ff;
  text-decoration: none;
  font-weight: 600;
}

/* STATS */
.pl-stats {
  display: flex;
  flex-direction: column;
  gap: 6px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 20px;
  padding: 24px 20px;
  backdrop-filter: blur(12px);
  position: relative;
  z-index: 2;
  animation: slideFadeRight 1s ease forwards;
  align-self: center;
}

.pl-stat {
  text-align: center;
  padding: 14px 16px;
  position: relative;
  transition: all .3s ease;
}

.pl-stat:hover {
  transform: translateX(4px);
}

.pl-stat + .pl-stat::before {
  content: "";
  position: absolute;
  left: 16px;
  right: 16px;
  top: 0;
  height: 1px;
  background: rgba(255,255,255,0.08);
}

.pl-stat strong {
  display: block;
  color: #00d4ff;
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.pl-stat span {
  color: rgba(255,255,255,0.6);
  font-size: 0.75rem;
}

/* ANIMATIONS */
@keyframes slideFadeLeft {
  from { opacity: 0; transform: translateX(-60px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes slideFadeRight {
  from { opacity: 0; transform: translateX(60px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes floatingCard {
  0%,100% { transform: translateY(0px); }
  50% { transform: translateY(-10px); }
}

@keyframes glowMove {
  0% { transform: translate(0,0) scale(1); }
  100% { transform: translate(-40px,40px) scale(1.1); }
}

@keyframes titleGlow {
  from { text-shadow: 0 0 0 rgba(0,212,255,0); }
  to { text-shadow: 0 0 18px rgba(0,212,255,0.18); }
}

@keyframes badgePulse {
  0%,100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

@keyframes shine {
  from { left: -120%; }
  to { left: 120%; }
}

/* RESPONSIVE */
@media (max-width: 992px) {
  .pl-container {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .pl-desc {
    margin: 0;
  }

  .pl-features {
    grid-template-columns: 1fr;
  }

  .pl-form-card {
    max-width: 100%;
  }
}

@media (max-width: 768px) {
  .pl-content h2 {
    font-size: clamp(1.8rem, 6vw, 2.2rem) !important;
    font-weight: 800 !important;
    line-height: 1.15 !important;
    letter-spacing: -0.5px !important;
  }

  .pl-form-card-header {
    padding: 20px 24px;
  }

  .pl-form-card-header h3 {
    font-size: 1.1rem !important;
    font-weight: 700 !important;
    white-space: normal !important;
    letter-spacing: -0.2px;
  }

  .pl-form-card-body {
    padding: 18px 20px 18px;
    gap: 14px;
  }

  .pl-phone-input {
    border-radius: 12px;
    padding: 13px 14px;
    background: #f8faff;
    border: 1px solid #e0eaff;
  }

  .pl-form-card button {
    height: 50px;
    border-radius: 12px;
    font-size: 0.95rem;
    font-weight: 700;
    letter-spacing: 0.2px;
    box-shadow: 0 6px 20px rgba(26,82,204,0.3);
  }

  .pl-features {
    grid-template-columns: 1fr 1fr;
    gap: 4px;
  }

  .pl-feature {
    text-align: left;
    font-size: 0.78rem;
    padding: 2px 0;
  }

  .pl-desc {
    text-align: left;
    font-size: 0.88rem;
  }

  .pl-form-card {
    padding: 0;
  }

  .pl-form-card-body {
    padding: 16px 64px 16px 16px;
  }
}
.bl-float-field:focus-within {
  border-color: #1a52cc;
  background: #fff;
}

.bl-float-field + .bl-float-field {
  border-left: 1.5px solid #c7d9f5;
}

/* spinning border on Apply Now button */
@property --btn-angle {
  syntax: '<angle>';
  initial-value: 0deg;
  inherits: false;
}

@keyframes btnBorderSpin {
  to { --btn-angle: 360deg; }
}

.bl-btn-spin-wrap {
  position: relative;
  border-radius: 14px;
  padding: 2px;
  background: conic-gradient(from var(--btn-angle), #0A1F44 0deg, #1a52cc 60deg, #00cfff 120deg, #ffffff 180deg, #00cfff 240deg, #1a52cc 300deg, #0A1F44 360deg);
  animation: btnBorderSpin 3s linear infinite;
  display: inline-block;
}

.bl-btn-spin-wrap .bl-hero-btn-primary {
  box-shadow: none;
  border-radius: 12px;
  margin: 0;
}

/* =========================
   BUSINESS LOAN WORKFLOW
========================= */

.biz-loan-workflow {
  padding: 40px 0;
  background: linear-gradient(180deg, #f8fbff 0%, #eef5ff 100%);
  overflow: hidden;
}

.biz-work-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
  display: grid;
  grid-template-columns: 1fr 0.9fr;
  gap: 50px;
  align-items: center;
}

/* LEFT */

.biz-work-content {
  max-width: 680px;
}

.biz-work-tag {
  display: inline-block;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(0, 212, 255, 0.08);
  color: #1a52cc;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.biz-work-content h2 {
  font-size: clamp(1.4rem, 2.6vw, 2.2rem);
  line-height: 1.2;
  color: #081631;
  margin-bottom: 22px;
  max-width: 650px;
}

.biz-work-content h2 span {
  background: linear-gradient(135deg, #00cfff, #1a52cc);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.biz-work-content p {
  color: #52627d;
  font-size: 1rem;
  line-height: 1.9;
  margin-bottom: 18px;
}

/* POINTS */

.biz-work-points {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 28px;
}

.biz-point {
  background: #fff;
  border: 1px solid #dce7f8;
  border-radius: 16px;
  padding: 14px 18px;
  font-size: 0.92rem;
  font-weight: 600;
  color: #081631;
  box-shadow: 0 8px 24px rgba(4, 15, 45, 0.04);
}

/* RIGHT */

.biz-work-visual {
  display: flex;
  justify-content: center;
}

.biz-visual-card {
  position: relative;
  width: min(100%, 500px);
  min-height: 520px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* BACKGROUND CARD */

.biz-visual-card::before {
  content: "";
  position: absolute;
  width: 100%;
  height: 75%;
  border-radius: 28px;
  background: linear-gradient(135deg, rgba(255,255,255,0.95), rgba(240,248,255,0.85));
  border: 1px solid rgba(220,231,248,0.8);
  box-shadow: 0 18px 40px rgba(4,15,45,0.06);
}

/* PHONE */

.biz-phone-mockup {
  position: relative;
  z-index: 2;
  width: 210px;
  height: 430px;
  border-radius: 36px;
  background: #081631;
  padding: 12px;
  box-shadow: 0 22px 50px rgba(8,22,49,0.28);
}

.biz-phone-mockup::before {
  content: "";
  position: absolute;
  top: 14px;
  left: 50%;
  transform: translateX(-50%);
  width: 90px;
  height: 18px;
  border-radius: 20px;
  background: #000;
  z-index: 5;
}

.biz-phone-screen {
  width: 100%;
  height: 100%;
  border-radius: 28px;
  background: linear-gradient(180deg, #00cfff, #1a52cc, #081631);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  color: #fff;
  text-align: center;
  padding: 20px;
}

.biz-phone-screen span {
  font-size: 0.8rem;
  letter-spacing: 1px;
  opacity: 0.9;
}

.biz-phone-screen strong {
  font-size: 1.4rem;
  line-height: 1.3;
}

.biz-phone-lines {
  width: 100%;
  height: 14px;
  border-radius: 8px;
  background: rgba(255,255,255,0.28);
}

.biz-phone-lines.short {
  width: 70%;
}

.biz-phone-screen button {
  margin-top: 12px;
  border: none;
  background: #fff;
  color: #1a52cc;
  padding: 12px 24px;
  border-radius: 14px;
  font-weight: 700;
  cursor: pointer;
}

/* FLOATING CARDS */

.biz-floating-card {
  position: absolute;
  z-index: 3;
  background: #fff;
  border-radius: 16px;
  padding: 14px 18px;
  box-shadow: 0 14px 30px rgba(4,15,45,0.08);
  border: 1px solid #e3edf9;
  font-weight: 700;
  color: #081631;
}

.top-card {
  top: 80px;
  right: 10px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.top-card span {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: linear-gradient(135deg, #00cfff, #1a52cc);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
}

.bottom-card {
  bottom: 70px;
  left: 20px;
  background: linear-gradient(135deg, #081631, #1a52cc);
  color: #fff;
}

/* TABLET */

@media (max-width: 1024px) {
  .biz-work-container {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .biz-work-content {
    max-width: 100%;
    text-align: center;
  }

  .biz-work-content h2 {
    max-width: 100%;
  }

  .biz-work-points {
    max-width: 700px;
    margin: 28px auto 0;
  }

  .biz-visual-card {
    min-height: 480px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .biz-loan-workflow {
    padding: 55px 0;
  }

  .biz-work-container {
    padding: 0 16px;
    gap: 28px;
  }

  .biz-work-content h2 {
    font-size: 2rem;
  }

  .biz-work-content p {
    font-size: 0.92rem;
    line-height: 1.8;
  }

  .biz-work-points {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .biz-point {
    padding: 13px 16px;
    font-size: 0.88rem;
  }

  .biz-visual-card {
    min-height: 400px;
  }

  .biz-phone-mockup {
    width: 170px;
    height: 350px;
  }

  .biz-phone-screen strong {
    font-size: 1.1rem;
  }

  .biz-floating-card {
    padding: 10px 14px;
    font-size: 0.8rem;
  }

  .top-card {
    top: 50px;
    right: 0;
  }

  .bottom-card {
    left: 10px;
    bottom: 40px;
  }
}



/* =========================
   ELIGIBILITY TAB SWITCHER
========================= */
.bel-section {
  padding: 70px 6%;
  background: #f4f8ff;
}

.bel-wrap { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }

.bel-head { text-align: center; margin-bottom: 40px; }

.bel-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 10px;
}

.bel-head h2 {
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  font-weight: 700;
  color: #05132f;
  margin-bottom: 10px;
}

.bel-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.bel-head p { font-size: 0.92rem; color: #5d6785; }

.bel-tabs-wrap {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 4px 30px rgba(26,82,204,0.1);
  border: 1px solid rgba(26,82,204,0.1);
  overflow: hidden;
  margin-bottom: 32px;
}

.bel-tabs {
  display: flex;
  border-bottom: 2px solid #f0f4ff;
}

.bel-tab {
  flex: 1;
  padding: 16px 24px;
  font-size: 0.9rem;
  font-weight: 600;
  color: #64748b;
  background: #f8faff;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: all 0.2s;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
}

.bel-tab.active {
  background: #fff;
  color: #1a52cc;
  border-bottom-color: #1a52cc;
}

.bel-tab:hover:not(.active) { color: #1a52cc; background: #f0f5ff; }

.bel-panel { display: none; padding: 28px 24px; }
.bel-panel.active { display: block; }

.bel-panel-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.bel-panel-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 16px;
  border-radius: 12px;
  background: #f8faff;
  border: 1px solid rgba(26,82,204,0.08);
  transition: transform 0.15s;
}

.bel-panel-item:hover { transform: translateY(-2px); }

.bel-pi-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

.bel-panel-item span {
  display: block;
  font-size: 0.72rem;
  color: #94a3b8;
  margin-bottom: 2px;
}

.bel-panel-item strong {
  font-size: 0.85rem;
  font-weight: 700;
  color: #0f172a;
}

.bel-cta { text-align: center; }

@media (max-width: 600px) {
  .bel-section { padding: 50px 5%; }
  .bel-panel-grid { grid-template-columns: 1fr; }
  .bel-tab { font-size: 0.8rem; padding: 14px 12px; }
}

/* bel bg shapes */
.bel-bg-shape {
  position: absolute;
  pointer-events: none;
  border-radius: 50%;
}

.bel-section { position: relative; overflow: hidden; }

.bel-bg-circle-1 {
  width: 300px; height: 300px;
  top: -80px; left: -80px;
  background: radial-gradient(circle, rgba(26,82,204,0.07) 0%, transparent 70%);
}

.bel-bg-circle-2 {
  width: 180px; height: 180px;
  top: 10px; left: 160px;
  background: radial-gradient(circle, rgba(0,207,255,0.08) 0%, transparent 70%);
}

.bel-bg-ring-1 {
  width: 160px; height: 160px;
  top: -20px; left: 270px;
  border: 18px solid rgba(26,82,204,0.05);
  background: transparent;
}

.bel-bg-ring-2 {
  width: 100px; height: 100px;
  top: 90px; left: 10px;
  border: 12px solid rgba(0,207,255,0.07);
  background: transparent;
}

.bel-bg-svg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 0;
}

/* bel circles animation */
@keyframes belCircleFloat {
  0%, 100% { transform: translateY(0) scale(1); opacity: 1; }
  50%       { transform: translateY(-12px) scale(1.05); opacity: 0.7; }
}

.bel-bg-svg circle:nth-child(odd)  { animation: belCircleFloat 5s ease-in-out infinite; }
.bel-bg-svg circle:nth-child(even) { animation: belCircleFloat 6s ease-in-out infinite reverse; }
.bel-bg-svg circle:nth-child(3n)   { animation: belCircleFloat 7s ease-in-out infinite 1s; }
.bel-bg-svg circle:nth-child(5n)   { animation: belCircleFloat 4.5s ease-in-out infinite 0.5s; }

.bel-bg-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 0;
}

/* =========================
   BEL SPINNING RINGS
========================= */
.bel-ring {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
  border: 2px solid transparent;
  border-top-color: rgba(26,82,204,0.18);
  border-right-color: rgba(0,207,255,0.12);
}

.bel-ring::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  border: 2px solid transparent;
  border-bottom-color: rgba(26,82,204,0.10);
  border-left-color: rgba(0,207,255,0.08);
}

.bel-ring-tr {
  width: 160px; height: 160px;
  top: 20px; right: 20px;
  animation: belSpin 8s linear infinite;
}
.bel-ring-tr::after {
  width: 110px; height: 110px;
  top: 23px; left: 23px;
  animation: belSpinRev 6s linear infinite;
}

.bel-ring-tl {
  width: 120px; height: 120px;
  top: 20px; left: 20px;
  animation: belSpin 10s linear infinite reverse;
}
.bel-ring-tl::after {
  width: 80px; height: 80px;
  top: 18px; left: 18px;
  animation: belSpinRev 7s linear infinite;
}

.bel-ring-br {
  width: 140px; height: 140px;
  bottom: 20px; right: 20px;
  animation: belSpin 9s linear infinite reverse;
}
.bel-ring-br::after {
  width: 90px; height: 90px;
  top: 24px; left: 24px;
  animation: belSpinRev 5s linear infinite;
}

.bel-ring-bl {
  width: 100px; height: 100px;
  bottom: 20px; left: 20px;
  animation: belSpin 7s linear infinite;
}
.bel-ring-bl::after {
  width: 60px; height: 60px;
  top: 18px; left: 18px;
  animation: belSpinRev 4s linear infinite reverse;
}

@keyframes belSpin {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

@keyframes belSpinRev {
  from { transform: rotate(0deg); }
  to   { transform: rotate(-360deg); }
}


/* =========================
   BUSINESS LOAN PROCESS
========================= */
.blp-section {
  background: #f0f4ff;
  padding: 40px 0;
}

.blp-wrap { max-width: 1100px; margin: 0 auto; }

.blp-head {
  text-align: center;
  margin-bottom: 45px;
}

.blp-eyebrow {
  display: inline-block;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 5px;
}

.blp-head h2 {
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  font-weight: 700;
  color: #05132f;
  margin-bottom: 10px;
}

.blp-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.blp-head p { font-size: 0.92rem; color: #3e4458; font-weight: 500; }

.blp-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-bottom: 44px;
  position: relative;
}

.blp-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 16px;
  position: relative;
}

.blp-icon-wrap {
  display: flex;
  align-items: center;
  width: 100%;
  margin-bottom: 16px;
}

.blp-icon {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: linear-gradient(135deg, #2a4fa0, #2e6ae6);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 8px 24px rgba(26,82,204,0.3);
  z-index: 1;
  position: relative;
  overflow: hidden;
}

.blp-icon-final {
  background: linear-gradient(135deg, #22a85a, #00cfff);
  box-shadow: 0 8px 24px rgba(34,168,90,0.25);
}

.blp-connector {
  flex: 1;
  height: 2px;
  background: linear-gradient(90deg, #1a52cc, #00cfff);
  opacity: 0.3;
}

.blp-step-last .blp-icon-wrap { justify-content: center; }

.blp-num {
  font-size: 0.7rem;
  font-weight: 800;
  color: rgba(26,82,204,0.6);
  letter-spacing: 2px;
  margin-bottom: 8px;
}

.blp-step h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin-bottom: 8px;
}

.blp-step p {
  font-size: 0.82rem;
  color: #64748b;
  line-height: 1.6;
}

.blp-cta { text-align: center; margin-top: 32px; }

.bl-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, #1a52cc, #4d7fff);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 36px;
  border-radius: 50px;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(26,82,204,0.35);
  transition: transform 0.2s, box-shadow 0.2s;
  font-family: 'Open Sans', sans-serif;
}

.bl-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(26,82,204,0.45);
}

@media (max-width: 768px) {
  .blp-steps { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .blp-connector { display: none; }
  .blp-icon-wrap { justify-content: center; }
}

@media (max-width: 480px) {
  .blp-steps { grid-template-columns: 1fr; }
  .blp-section { padding: 50px 5%; }
}

.blp-icon img {
  width: 68px;
  height: 68px;
  object-fit: contain;
  filter: brightness(0) invert(1);
}

/* connector line fix */
.blp-steps { position: relative; }

.blp-steps::before {
  content: '';
  position: absolute;
  top: 48px;
  left: calc(12.5%);
  right: calc(12.5%);
  height: 2px;
  background: linear-gradient(90deg, #1a3a7a, #1a52cc, #00cfff);
  opacity: 0.4;
  z-index: 0;
}

.blp-step { z-index: 1; }
.blp-icon-wrap { justify-content: center; }
.blp-connector { display: none; }

@media (max-width: 768px) {
  .blp-steps::before { display: none; }
}

.blp-step {
  transition: transform 0.25s ease;
  cursor: default;
}

.blp-step:hover { transform: translateY(-8px); }

.blp-step:hover .blp-icon {
  box-shadow: 0 16px 36px rgba(26,82,204,0.4);
  transform: scale(1.08);
  transition: all 0.25s ease;
}

/* =========================
   TYPES OF BUSINESS LOAN REPAYMENT
========================= */
.blt-section {
  padding: 80px 6%;
  background: #f7f9ff;
  position: relative;
  overflow: hidden;
}

.blt-section::before {
  content: '';
  position: absolute;
  top: -100px;
  left: -100px;
  width: 380px;
  height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,82,204,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.blt-section::after {
  content: '';
  position: absolute;
  bottom: -80px;
  right: -80px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,207,255,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.blt-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.blt-head {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 56px;
}

.blt-eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  background: rgba(26,82,204,0.07);
  border: 1px solid rgba(26,82,204,0.15);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.blt-head h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.3rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 14px;
}

.blt-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.blt-head p {
  font-size: 0.97rem;
  color: #5d6e8a;
  line-height: 1.7;
}

.blt-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.blt-card {
  background: #eef2ff;
  border: 1px solid rgba(26,82,204,0.15);
  border-radius: 20px;
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.blt-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  opacity: 0;
  transition: opacity 0.25s ease;
  border-radius: 20px 20px 0 0;
}

.blt-card:nth-child(1)::before { background: linear-gradient(90deg, #1a52cc, transparent); }
.blt-card:nth-child(2)::before { background: linear-gradient(90deg, #22a85a, transparent); }
.blt-card:nth-child(3)::before { background: linear-gradient(90deg, #c47e00, transparent); }
.blt-card:nth-child(4)::before { background: linear-gradient(90deg, #6c4edb, transparent); }

.blt-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(26,82,204,0.11);
  border-color: rgba(26,82,204,0.18);
}

.blt-card:hover::before {
  opacity: 1;
}

.blt-num {
  font-size: 2.2rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -1px;
}

.blt-card:nth-child(1) .blt-num { color: rgba(26,82,204,0.15); }
.blt-card:nth-child(2) .blt-num { color: rgba(34,168,90,0.15); }
.blt-card:nth-child(3) .blt-num { color: rgba(196,126,0,0.15); }
.blt-card:nth-child(4) .blt-num { color: rgba(108,78,219,0.15); }

.blt-card-body {
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex: 1;
}

.blt-card-body h3 {
  font-size: 1rem;
  font-weight: 700;
  color: #05132f;
  line-height: 1.3;
  margin: 0;
}

.blt-card-body p {
  font-size: 0.85rem;
  color: #5d6e8a;
  line-height: 1.7;
  margin: 0;
}

.blt-card-line {
  height: 2px;
  border-radius: 2px;
  opacity: 0.18;
  transition: opacity 0.25s ease;
}

.blt-card:nth-child(1) .blt-card-line { background: linear-gradient(90deg, #1a52cc, transparent); }
.blt-card:nth-child(2) .blt-card-line { background: linear-gradient(90deg, #22a85a, transparent); }
.blt-card:nth-child(3) .blt-card-line { background: linear-gradient(90deg, #c47e00, transparent); }
.blt-card:nth-child(4) .blt-card-line { background: linear-gradient(90deg, #6c4edb, transparent); }

.blt-card:hover .blt-card-line {
  opacity: 0.5;
}

.blt-cta {
  text-align: center;
}

.blt-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 13px 32px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 0.93rem;
  font-weight: 700;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 8px 28px rgba(26,82,204,0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.blt-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 36px rgba(26,82,204,0.38);
}

@media (max-width: 768px) {
  .blt-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
}

@media (max-width: 560px) {
  .blt-section {
    padding: 56px 5%;
  }
  .blt-head {
    margin-bottom: 36px;
  }
}

/* =========================
   WHY KREDITSEVA
========================= */
.wks-section {
  padding: 80px 6%;
  background: #eef2ff;
  position: relative;
  overflow: hidden;
}

.wks-section::before {
  content: '';
  position: absolute;
  top: -140px;
  right: -140px;
  width: 480px;
  height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,82,204,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.wks-section::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,207,255,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.wks-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

/* HEAD */
.wks-head {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 52px;
}

.wks-eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  background: rgba(26,82,204,0.07);
  border: 1px solid rgba(26,82,204,0.15);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.wks-head h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.3rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 0;
}

.wks-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* GRID */
.wks-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 52px;
}

/* CARD */
.wks-card {
  background: #ffffff;
  border: 1px solid rgba(26,82,204,0.09);
  border-radius: 20px;
  padding: 28px 24px 22px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s ease, background 0.25s ease, border-color 0.25s ease;
}

.wks-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  border-radius: 20px 20px 0 0;
  opacity: 0;
  transition: opacity 0.25s ease;
}

.wks-card:nth-child(1)::before { background: linear-gradient(90deg, #00cfff, transparent); }
.wks-card:nth-child(2)::before { background: linear-gradient(90deg, #4ade80, transparent); }
.wks-card:nth-child(3)::before { background: linear-gradient(90deg, #ffb947, transparent); }
.wks-card:nth-child(4)::before { background: linear-gradient(90deg, #8b6dff, transparent); }
.wks-card:nth-child(5)::before { background: linear-gradient(90deg, #4d7fff, transparent); }
.wks-card:nth-child(6)::before { background: linear-gradient(90deg, #4ade80, transparent); }

.wks-card:hover {
  transform: translateY(-6px);
  background: #ffffff;
  border-color: rgba(26,82,204,0.2);
  box-shadow: 0 20px 48px rgba(26,82,204,0.11);
}

.wks-card:hover::before {
  opacity: 1;
}

/* ICON */
.wks-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: 15px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.25s ease;
}

.wks-card:nth-child(1) .wks-icon-wrap { background: rgba(0,207,255,0.12);   color: #00cfff; }
.wks-card:nth-child(2) .wks-icon-wrap { background: rgba(74,222,128,0.12);  color: #4ade80; }
.wks-card:nth-child(3) .wks-icon-wrap { background: rgba(255,185,71,0.12);  color: #ffb947; }
.wks-card:nth-child(4) .wks-icon-wrap { background: rgba(139,109,255,0.12); color: #8b6dff; }
.wks-card:nth-child(5) .wks-icon-wrap { background: rgba(77,127,255,0.12);  color: #4d7fff; }
.wks-card:nth-child(6) .wks-icon-wrap { background: rgba(74,222,128,0.12);  color: #4ade80; }

.wks-card:hover .wks-icon-wrap {
  transform: scale(1.1) rotate(-5deg);
}

/* BODY */
.wks-card-body {
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}

.wks-card-body h3 {
  font-size: 0.97rem;
  font-weight: 700;
  color: #05132f;
  line-height: 1.3;
  margin: 0;
}

.wks-card-body p {
  font-size: 0.83rem;
  color: #5d6e8a;
  line-height: 1.65;
  margin: 0;
}

/* BOTTOM LINE */
.wks-card-line {
  height: 2px;
  border-radius: 2px;
  opacity: 0.15;
  transition: opacity 0.25s ease;
}

.wks-card:nth-child(1) .wks-card-line { background: linear-gradient(90deg, #00cfff, transparent); }
.wks-card:nth-child(2) .wks-card-line { background: linear-gradient(90deg, #4ade80, transparent); }
.wks-card:nth-child(3) .wks-card-line { background: linear-gradient(90deg, #ffb947, transparent); }
.wks-card:nth-child(4) .wks-card-line { background: linear-gradient(90deg, #8b6dff, transparent); }
.wks-card:nth-child(5) .wks-card-line { background: linear-gradient(90deg, #4d7fff, transparent); }
.wks-card:nth-child(6) .wks-card-line { background: linear-gradient(90deg, #4ade80, transparent); }

.wks-card:hover .wks-card-line {
  opacity: 0.5;
}

/* STATS BAR */
.wks-stats {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  background: rgb(0, 45, 143);
  border: 1px solid rgba(26,82,204,0.1);
  border-radius: 18px;
  padding: 28px 32px;
  margin-bottom: 40px;
  flex-wrap: wrap;
  box-shadow: 0 4px 24px rgba(26,82,204,0.07);
}

.wks-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 0 40px;
  flex: 1;
  min-width: 120px;
}

.wks-stat strong {
  font-size: 1.8rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}

.wks-stat span {
  font-size: 0.8rem;
  color: #00d4ff;
  text-align: center;
}

.wks-stat-div {
  width: 1px;
  height: 40px;
  background: rgba(26,82,204,0.12);
  flex-shrink: 0;
}

/* CTA */
.wks-cta {
  text-align: center;
}

.wks-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 13px 32px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 0.93rem;
  font-weight: 700;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 8px 28px rgba(26,82,204,0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.wks-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 36px rgba(26,82,204,0.38);
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .wks-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .wks-stat {
    padding: 0 24px;
  }
}

@media (max-width: 560px) {
  .wks-section {
    padding: 56px 5%;
  }
  .wks-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .wks-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    padding: 20px 12px;
  }
  .wks-stat-div {
    display: none;
  }
  .wks-stat {
    padding: 0 8px;
    min-width: 0;
    flex: unset;
  }
}

/* =========================
   WHY CHOOSE BUSINESS LOAN
========================= */
.wcbl-section {
  padding: 80px 6%;
  background: #ffffff;
  position: relative;
  overflow: hidden;
}

.wcbl-section::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -120px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,82,204,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.wcbl-section::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: -80px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,207,255,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.wcbl-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

/* HEAD */
.wcbl-head {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 56px;
}

.wcbl-eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  background: rgba(26,82,204,0.07);
  border: 1px solid rgba(26,82,204,0.15);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.wcbl-head h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.3rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 14px;
}

.wcbl-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.wcbl-head p {
  font-size: 0.97rem;
  color: #5d6e8a;
  line-height: 1.7;
}

/* GRID */
.wcbl-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

/* CARD */
.wcbl-card {
  background: #f7f9ff;
  border: 1px solid rgba(26,82,204,0.09);
  border-radius: 20px;
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.wcbl-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--icon-color, #1a52cc), transparent);
  opacity: 0;
  transition: opacity 0.25s ease;
  border-radius: 20px 20px 0 0;
}

.wcbl-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(26,82,204,0.11);
  border-color: rgba(26,82,204,0.18);
}

.wcbl-card:hover::before {
  opacity: 1;
}

/* ICON */
.wcbl-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: 15px;
  background: var(--icon-bg, rgba(26,82,204,0.1));
  color: var(--icon-color, #1a52cc);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.wcbl-card:hover .wcbl-icon-wrap {
  transform: scale(1.1) rotate(-5deg);
  box-shadow: 0 8px 20px var(--icon-glow, rgba(26,82,204,0.2));
}

/* BODY */
.wcbl-card-body {
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}

.wcbl-card-body h3 {
  font-size: 0.97rem;
  font-weight: 700;
  color: #05132f;
  line-height: 1.3;
  margin: 0;
}

.wcbl-card-body p {
  font-size: 0.83rem;
  color: #5d6e8a;
  line-height: 1.65;
  margin: 0;
}

/* BOTTOM LINE ACCENT */
.wcbl-card-line {
  height: 2px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--icon-color, #1a52cc), transparent);
  opacity: 0.18;
  transition: opacity 0.25s ease;
}

.wcbl-card:hover .wcbl-card-line {
  opacity: 0.5;
}

/* CTA */
.wcbl-cta {
  text-align: center;
}

.wcbl-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 13px 32px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 0.93rem;
  font-weight: 700;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 8px 28px rgba(26,82,204,0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.wcbl-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 36px rgba(26,82,204,0.38);
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .wcbl-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .wcbl-section {
    padding: 56px 5%;
  }
  .wcbl-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .wcbl-head {
    margin-bottom: 36px;
  }
}



/* =========================
   BALANCE TRANSFER — BANK COMPARISON TABLE
========================= */

.pl-bank-table-section {
  padding: 60px 6%;
  background: #f4f8ff;
}

.pl-bank-table-wrap {
  max-width: 1000px;
  margin: 0 auto;
}

/* HEADING */
.pl-bank-table-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 36px;
}

.pl-bank-eyebrow {
  display: inline-block;
  font-size: 0.88rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 3px;
}

.pl-bank-table-head h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.4rem);
  font-weight: 700;
  color: #012056;
  line-height: 1.2;
  margin-bottom: 8px;
}

.pl-bank-table-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #4875d6);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-bank-table-head p {
  color: #5d6785;
  font-size: 0.98rem;
  line-height: 1.5;
}

/* CARD WRAPPER */
.pl-bank-table-card {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.1);
  border-radius: 18px;
  box-shadow: 0 16px 40px rgba(4,15,45,0.06);
  overflow: hidden;
}

/* makes the table scroll horizontally on small screens */
.pl-bank-table-overflow {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

/* TABLE */
.pl-bank-tbl {
  width: 100%;
  border-collapse: collapse;
  min-width: 560px;   /* keeps columns readable; scrolls below this */
}

.pl-bank-tbl thead th {
  background: linear-gradient(135deg, #1a52cc, #4875d6);
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
  text-align: left;
  padding: 16px 22px;
  white-space: nowrap;
}

.pl-bank-tbl thead th:first-child { border-top-left-radius: 0; }

.pl-bank-tbl tbody td {
  padding: 15px 22px;
  font-size: 0.92rem;
  color: #2d3a5c;
  border-bottom: 1px solid #eef2fb;
  white-space: nowrap;
}

/* first column = bank name, slightly bolder */
.pl-bank-tbl tbody td:first-child {
  font-weight: 600;
  color: #05132f;
}

/* zebra stripes */
.pl-bank-tbl tbody tr:nth-child(even) {
  background: #f7faff;
}

.pl-bank-tbl tbody tr:hover {
  background: rgba(26,82,204,0.05);
}

.pl-bank-tbl tbody tr:last-child td {
  border-bottom: none;
}

/* NOTE */
.pl-bank-tbl-note {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  padding: 16px 22px;
  font-size: 0.8rem;
  color: #6b7a9c;
  line-height: 1.5;
  background: #f7faff;
  border-top: 1px solid #eef2fb;
}

.pl-bank-tbl-note i {
  color: #1a52cc;
  margin-top: 2px;
  flex-shrink: 0;
}

/* CTA */
.pl-bank-cta {
  text-align: center;
  margin-top: 32px;
}

.pl-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #4875d6);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 10px 26px rgba(26,82,204,0.28);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.pl-btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 36px rgba(26,82,204,0.38);
}

/* RESPONSIVE */
@media (max-width: 560px) {
  .pl-bank-table-section { padding: 50px 5%; }
  .pl-bank-table-head { margin-bottom: 28px; }
  .pl-bank-table-head h2 { font-size: 1.4rem; }
  .pl-bank-tbl thead th { padding: 14px 16px; font-size: 0.85rem; }
  .pl-bank-tbl tbody td { padding: 13px 16px; font-size: 0.88rem; }
  .pl-btn-primary { padding: 13px 24px; font-size: 0.9rem; }
}

/* =========================
   SMART LOAN TIPS
========================= */
.bod-tips-section {
  padding: 80px 6%;
  background: #ffffff;
  position: relative;
  overflow: hidden;
}

.bod-tips-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,82,204,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.bod-tips-section::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -80px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,207,255,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.bod-tips-wrap {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* LEFT */
.bod-tips-left {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.bod-tips-eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  background: rgba(26,82,204,0.07);
  border: 1px solid rgba(26,82,204,0.15);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 18px;
  width: fit-content;
}

.bod-tips-left h2 {
  font-size: clamp(1.5rem, 2.4vw, 2.1rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.25;
  margin-bottom: 16px;
}

.bod-tips-left h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.bod-tips-left p {
  font-size: 0.95rem;
  color: #5d6e8a;
  line-height: 1.7;
  margin-bottom: 28px;
}

.bod-tips-cta {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 13px 28px;
  background: linear-gradient(135deg, #1a3a7a, #1a52cc);
  color: #fff;
  font-size: 0.93rem;
  font-weight: 700;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 8px 28px rgba(26,82,204,0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  width: fit-content;
}

.bod-tips-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 36px rgba(26,82,204,0.38);
}

/* RIGHT — list items */
.bod-tips-right {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.bod-tip-item {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 20px 0;
  border-bottom: 1px solid rgba(26,82,204,0.07);
  transition: transform 0.2s ease;
}

.bod-tip-item:first-child { border-top: 1px solid rgba(26,82,204,0.07); }

.bod-tip-item:hover {
  transform: translateX(6px);
}

.bod-tip-icon {
  width: 46px;
  height: 46px;
  border-radius: 13px;
  background: rgba(26,82,204,0.08);
  color: #1a52cc;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: background 0.2s ease, color 0.2s ease;
}

.bod-tip-item:hover .bod-tip-icon {
  background: #1a52cc;
  color: #fff;
}

.bod-tip-text h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0 0 5px;
  line-height: 1.3;
}

.bod-tip-text p {
  font-size: 0.83rem;
  color: #5d6e8a;
  line-height: 1.65;
  margin: 0;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .bod-tips-wrap {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .bod-tips-left {
    text-align: center;
    align-items: center;
  }
}

@media (max-width: 560px) {
  .bod-tips-section { padding: 56px 5%; }
  .bod-tip-item { gap: 14px; padding: 16px 0; }
  .bod-tip-icon { width: 40px; height: 40px; font-size: 1rem; }
}