/* =========================
   PERSONAL LOAN HERO — REDESIGNED
========================= */

.pl-hero {
  position: relative;
  overflow: clip;
  background: linear-gradient(135deg, #cce4ff 0%, #daeeff 50%, #e8f4ff 100%);
  padding: 50px 6%;
}

.pl-hero-wave {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  pointer-events: none;
  z-index: 0;
  line-height: 0;
}

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



.pl-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 48px;
  align-items: start;
  position: relative;
  z-index: 2;
}


.pl-hero-copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
}

/* ENTRANCE ANIMATIONS */
@keyframes plHeroFadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

.pl-hero-pill    { animation: plHeroFadeUp 0.6s ease 0.1s both; }
.pl-hero-h1      { animation: plHeroFadeUp 0.6s ease 0.22s both; }
.pl-hero-sub     { animation: plHeroFadeUp 0.6s ease 0.34s both; }
.pl-hero-checks  { animation: plHeroFadeUp 0.6s ease 0.44s both; }
.pl-hero-actions { animation: plHeroFadeUp 0.6s ease 0.54s both; }


/* PILL */
.pl-hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: rgba(26,82,204,0.08);
  border: 1px solid rgba(26,82,204,0.2);
  border-radius: 50px;
  color: #1a52cc;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}
.pl-hero-dot {
  width: 7px; height: 7px;
  background: #1a52cc;
  border-radius: 50%;
  animation: plDotPulse 1.8s ease-in-out infinite;
}
@keyframes plDotPulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.7); }
}

/* HEADING */
.pl-hero-h1 {
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.18;
  color: #012056;
  margin-bottom: 10px;
  font-weight: 700;
  letter-spacing: -0.5px;
}
.pl-hero-accent {
  background: linear-gradient(135deg, #1a52cc, #0172a3);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  font-style: italic;
  padding-right: 8px;
  display: inline;
}

.pl-hero-h1 {
  overflow: visible;
}

.pl-hero-h6 {
  font-size: clamp(0.95rem, 1.4vw, 1.15rem);
  font-weight: 500;
  color: #475569;
  line-height: 1.5;
  margin: -4px 0 16px;
  max-width: 520px;
}

/* SUBTEXT */
.pl-hero-sub {
  color: #475569;
  font-size: 0.9rem;
  line-height: 1.6;
  max-width: 520px;
  margin-bottom: 14px;
  font-weight: 500;
}

/* CHECKS GRID */
.pl-hero-checks {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 16px;
  max-width: 500px;
}
.pl-hero-check {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #0A1F44;
  font-size: 0.9rem;
  font-weight: 400;
}
.pl-chk {
  width: 22px; height: 22px;
  min-width: 22px;
  background: #ffffff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #1a52cc;
  font-size: 0.72rem;
  font-weight: 700;
}

/* ACTIONS */
.pl-hero-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 0;
}
.pl-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 13px 26px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #1D4ED8);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 14px 30px rgba(26,82,204,0.35);
  transition: all .25s ease;
}
.pl-btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 40px rgba(26,82,204,0.5);
}

@keyframes plBtnPulse {
  0%, 100% { box-shadow: 0 14px 30px rgba(26,82,204,0.35); }
  50%       { box-shadow: 0 14px 40px rgba(26,82,204,0.55); }
}

.pl-btn-primary {
  animation: plBtnPulse 2.5s ease-in-out infinite;
}




/* ========================
   HERO LEAD FORM
======================== */

.pl-hero-form {
  position: relative;
  z-index: 3;
  border-radius: 22px;
  padding: 2px;
  box-shadow: 0 24px 60px rgba(10,31,68,0.18);
  background: linear-gradient(90deg,
    #1a52cc 0%, #38BDF8 20%, #00cfff 35%, #a855f7 50%, #ec4899 65%, #f97316 80%, #1a52cc 100%);
  background-size: 400% 400%;
  animation: plHeroFadeUp 0.6s ease 0.3s both, rgbBorder 3s linear infinite;
  align-self: center;
  width: 100%;
}

@keyframes rgbBorder {
  0%   { background-position: 0% 50%; }
  50%  { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

/* Inner white background */
.pl-hero-form-inner {
  background: #fff;
  border-radius: 20px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  width: 100%;
}

.pl-form-header {
  margin-bottom: 18px;
  text-align: center;
  padding: 16px 22px 12px;
  border-bottom: 1px solid #f0f4ff;
}

.pl-form-header h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: #012056;
  margin: 0 0 4px;
}

.pl-form-header p {
  font-size: 0.75rem;
  color: #64748b;
  margin: 0;
}

.pl-form {
  padding: 0 22px 10px;
}

.pl-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.pl-form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.pl-form-field label {
  font-size: 0.78rem;
  font-weight: 600;
  color: #334155;
}

.pl-form-field input {
  width: 100%;
  height: 46px;
  padding: 0 14px;
  border-radius: 12px;
  border: 1.5px solid #1a2470;
  background: #f8fafc;
  color: #0A1F44;
  font-size: 0.9rem;
  
  outline: none;
  transition: all 0.25s ease;
}

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

.pl-form-field input:focus {
  border-color: #38BDF8;
  background: rgba(56,189,248,0.08);
  box-shadow: 0 0 0 3px rgba(56,189,248,0.12);
}

.pl-phone-wrap {
  display: flex;
  align-items: center;
  border-radius: 12px;
  border: 1.5px solid #1a2470;
  background: #f8fafc;
  overflow: hidden;
  transition: all 0.25s ease;
}

.pl-phone-wrap:focus-within {
  border-color: #38BDF8;
  background: rgba(56,189,248,0.08);
  box-shadow: 0 0 0 3px rgba(56,189,248,0.12);
}

.pl-phone-code {
  padding: 0 12px;
  font-size: 0.82rem;
  font-weight: 600;
  color: #475569;
  border-right: 1px solid #e2e8f0;
  white-space: nowrap;
  height: 46px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.pl-phone-wrap input {
  border: none;
  background: transparent;
  border-radius: 0;
  box-shadow: none;
  padding-left: 10px;
}

.pl-phone-wrap input:focus {
  border: none;
  background: transparent;
  box-shadow: none;
}

.pl-form-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  height: 50px;
  border: none;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #1D4ED8);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  
  cursor: pointer;
  transition: all 0.25s ease;
  box-shadow: 0 8px 24px rgba(26,82,204,0.35);
  margin-top: 4px;
}

.pl-form-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 32px rgba(26,82,204,0.5);
}

.pl-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 4px 0 2px;
}

.pl-consent input[type="checkbox"] {
  width: 16px;
  height: 16px;
  min-width: 16px;
  margin-top: 2px;
  accent-color: #1a52cc;
  cursor: pointer;
  flex-shrink: 0;
}

.pl-consent label {
  font-size: 0.72rem;
  color: #5a6a8a;
  line-height: 1.55;
  cursor: pointer;
}

.pl-consent label a {
  color: #1a52cc;
  text-decoration: none;
}

.pl-consent label a:hover {
  text-decoration: underline;
}

.pl-form-note {
  font-size: 0.72rem;
  color: #6e7e93;
  text-align: center;
  margin: 0;
  font-weight: 400;
}


/* TABLET */
@media (max-width: 1100px) {
  .pl-hero-h1 { font-size: 2.2rem; }
  .pl-hero-inner { gap: 36px; }
}

@media (max-width: 900px) {
  .pl-hero { padding: 28px 5% 24px; }
  .pl-hero-inner {
    grid-template-columns: 1fr;
    gap: 12px;
    text-align: left;
    align-items: flex-start;
  }
  .pl-hero-copy { align-items: center; text-align: center; }
  .pl-hero-sub { margin-left: auto; margin-right: auto; text-align: center; }
  .pl-hero-h6 { margin-left: auto; margin-right: auto; text-align: center; max-width: 100%; }
  .pl-hero-checks {
    grid-template-columns: 1fr 1fr;
    max-width: 100%;
    margin-left: auto;
    margin-right: auto;
    text-align: left;
    justify-content: center;
  }
  .pl-hero-pill { margin-left: auto; margin-right: auto; }
  .pl-hero-actions { justify-content: center; }
  .pl-hero-form { max-width: 100%; margin: 0; border-radius: 16px; box-shadow: 0 8px 24px rgba(10,31,68,0.12); }
}

@media (max-width: 600px) {
  .pl-hero { padding: 20px 4% 28px; }
  .pl-hero-h1 { font-size: clamp(1.5rem, 6.5vw, 2rem); line-height: 1.5; }
  .pl-hero-accent { white-space: nowrap; }
  .pl-hero-sub { display: block; font-weight: 500; font-size: 1rem; padding: 0 15px; }
  .pl-hero-h6 { font-size: 0.9rem; padding: 0 10px; }
  .pl-hero-checks {
    grid-template-columns: 1fr 1fr;
    max-width: 100%;
    text-align: left;
    margin-bottom: 20px !important;
    margin-top: 10px;
  }
  .pl-btn-primary { width: 100%; justify-content: center;  display: none;}
  .pl-hero-pill { font-size: 0.7rem; padding: 6px 12px; }
  .pl-form-header { text-align: center; }
  .pl-form-header h3 { font-size: 1.5rem; }
  .pl-form-header p { display: none; }
  .pl-hero-form { padding: 0; }
  .pl-hero-right-stats {
    grid-template-columns: 1fr 1fr;
  }
}



/* =========================
   HOW IT WORKS — REDESIGNED
========================= */

.pl-hiw-section {
  padding: 60px 6%;
  background: #f4f8ff;
  position: relative;
  overflow: hidden;
}

.pl-hiw-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

/* HEADING */
.pl-hiw-head {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 36px;
}

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

.pl-hiw-head h2 {
  font-size: clamp(1.8rem, 2.8vw, 2.6rem);
  font-weight: 700;
  color: #012056 !important;
  line-height: 1.2;
  margin-bottom: 8px;
}

.pl-hiw-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #0172a3);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-hiw-head p {
  color: #5d6785;
  font-size: 0.98rem;
  line-height: 1.33;
}

/* GRID — flex, cards stay 1/4 width and incomplete rows center (consistent across pages) */
.pl-hiw-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
  margin-bottom: 36px;
}

/* CARD — fixed 1/4 width (4 per row max), no grow so 3 cards stay same size as 4 */
.pl-hiw-card {
  flex: 0 1 calc(25% - 12px);
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 18px;
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  position: relative;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.pl-hiw-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 40px rgba(4,15,45,0.1);
}

/* top colour bar */
.pl-hiw-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  border-radius: 18px 18px 0 0;
  background: linear-gradient(90deg, #1a52cc, #00cfff);
  opacity: 0;
  transition: opacity 0.25s ease;
}

.pl-hiw-card:hover::before { opacity: 1; }

.pl-hiw-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.pl-hiw-num {
  font-size: 1.4rem;
  font-weight: 800;
  color: rgba(26,82,204,0.15);
  line-height: 1;
}

.pl-hiw-icon {
  width: 42px;
  height: 42px;
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.pl-hiw-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0;
  line-height: 1.3;
}

.pl-hiw-card p {
  font-size: 0.82rem;
  color: #5d6785;
  line-height: 1.6;
  margin: 0;
  flex: 1;
}

/* LAST CARD */
.pl-hiw-last {
  border-color: rgba(26,82,204,0.14);
  background: #f0f5ff;
}

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

.pl-hiw-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 13px 30px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #51cae6);
  color: #fff;
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 10px 26px rgba(26,82,204,0.28);
  transition: all .25s ease;
}

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

.pl-hiw-cta p {
  margin-top: 10px;
  font-size: 0.78rem;
  color: #8a9ab8;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .pl-hiw-card { flex-basis: calc(50% - 8px); }   /* 2 per row */
}

@media (max-width: 560px) {
  .pl-hiw-section { padding: 50px 5%; }
  .pl-hiw-card { flex-basis: 100%; }              /* 1 per row */
  .pl-hiw-head { margin-bottom: 32px; }
  .pl-hiw-head h2 { font-size: 1.3rem; }
  .pl-hiw-head p { font-size: 0.95rem; font-weight: 500; }
}

/* =========================
   ELIGIBILITY & DOCUMENTS — REDESIGNED
========================= */

.pl-elig-section {
  padding: 70px 6%;
  background: #fff;
}

.pl-elig-wrap {
  max-width: 1200px;
  margin: 0 auto;
}

/* HEADING */
.pl-elig-head {
  text-align: center;
  margin-bottom: 44px;
}

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

.pl-elig-head h2 {
  
  font-size: clamp(1.8rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color:   #012056;
  line-height: 1.2;
}

.pl-elig-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #1e90ff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* GRID */
.pl-elig-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

/* CARD */
.pl-elig-card {
  border-radius: 22px;
  padding: 30px;
  border: 1px solid rgba(26,82,204,0.1);
}

.pl-elig-left {
  background: linear-gradient(160deg, #f0f5ff 0%, #fff 100%);
}

.pl-elig-right {
  background: linear-gradient(160deg, #f0fbff 0%, #fff 100%);
}

/* CARD HEADER */
.pl-elig-card-head {
  display: flex;
  align-items: center;
  gap: 16px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(26,82,204,0.08);
  margin-bottom: 20px;
}

.pl-elig-card-icon {
  width: 50px;
  height: 50px;
  min-width: 50px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.pl-elig-card-head h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: #05132f;
  margin: 0 0 3px;
}

.pl-elig-card-head p {
  font-size: 0.98rem;
  color: #8a9ab8;
  margin: 0;
  font-weight: 400;
  margin-top: 10px;
  line-height: 0.88px;
}

/* LIST ITEMS */
.pl-elig-items {
  display: flex;
  flex-direction: column;
  gap: 0px;
}

.pl-elig-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  border-radius: 12px;
  transition: background 0.2s ease;
}

.pl-elig-item:hover {
  background: rgba(26,82,204,0.04);
}

.pl-elig-item-icon {
  width: 34px;
  height: 34px;
  min-width: 34px;
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.pl-elig-item div span {
  display: block;
  font-size: 0.75rem;
  color: #8a9ab8;
  margin-bottom: 2px;
  font-weight: 500;
}

.pl-elig-item div strong {
  display: block;
  font-size: 0.9rem;
  color: #05132f;
  font-weight: 700;
}

/* RESPONSIVE */
@media (max-width: 768px) {
  .pl-elig-grid { grid-template-columns: 1fr; }
  .pl-elig-section { padding: 50px 5%; }
  .pl-elig-card { padding: 22px 18px; }
  .pl-elig-card-head p { font-size: 0.75rem; font-weight: 500;}
  .pl-elig-head h2 { font-size: 1.3rem; }
}




/* =========================
   HOW TO CHOOSE SECTION
========================= */

.pl-choose-section {
  padding: 70px 6%;
  background: #f4f8ff;
}

.pl-choose-wrap {
  max-width: 1200px;
  margin: 0 auto;
}

.pl-choose-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 44px;
}

.pl-choose-eyebrow {
  display: inline-block;
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 5px;
}

.pl-choose-head h2 {
  
  font-size: clamp(1.8rem, 2.6vw, 2.4rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 5px;
}

.pl-choose-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #1e90ff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-choose-head p {
  color: #5d6785;
  font-size: 0.95rem;
  line-height: 1.65;
  font-weight: 500;
}

/* GRID */
.pl-choose-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

/* CARD */
.pl-choose-card {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 18px;
  padding: 24px 22px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.pl-choose-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 40px rgba(4,15,45,0.09);
}

.pl-choose-icon {
  width: 48px;
  height: 48px;
  border-radius: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.pl-choose-card h3 {
  
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0;
  line-height: 1.3;
}

.pl-choose-card p {
  font-size: 0.83rem;
  color: #5d6785;
  line-height: 1.65;
  margin: 0;
}

@media (max-width: 900px) {
  .pl-choose-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 560px) {
  .pl-choose-section { padding: 50px 5%; }
  .pl-choose-grid { grid-template-columns: 1fr; }
  .pl-choose-head h2 { font-size: 1.3rem; }
  .pl-choose-head p { font-size: 0.95rem; font-weight: 500;}
}

/* =========================
   WHAT IS PERSONAL LOAN — REDESIGNED
========================= */

.pl-what-section {
  padding: 50px 6%;
  background: #fff;
}

.pl-what-wrap {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.pl-what-left h2 {
  
  font-size: clamp(1.8rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 18px;
}

.pl-what-left h2 span {
  background: linear-gradient(135deg, #1a52cc, #0172a3);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-what-left p {
  font-size: 0.95rem;
  color: #5d6785;
  line-height: 1.75;
  margin-bottom: 14px;
}

.pl-what-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 24px;
}

.pl-what-btn-primary {
  display: inline-flex;
  align-items: center;
  padding: 12px 26px;
  border-radius: 12px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 10px 24px rgba(26,82,204,0.28);
  transition: all .25s ease;
}

.pl-what-btn-primary:hover { transform: translateY(-2px); }

.pl-what-btn-secondary {
  display: inline-flex;
  align-items: center;
  padding: 12px 22px;
  border-radius: 12px;
  border: 1.5px solid #d0dff5;
  color: #1a52cc;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  transition: all .25s ease;
}

.pl-what-btn-secondary:hover {
  background: #f0f5ff;
  border-color: #1a52cc;
}

/* RIGHT CARDS */
.pl-what-right {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.pl-what-card {
  background: #f8fbff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 18px;
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: transform .25s ease, box-shadow .25s ease;
}

.pl-what-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 36px rgba(4,15,45,0.09);
}

.pl-what-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.pl-what-card h4 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #05132f;
  margin: 0 0 4px;
  line-height: 1.3;
}

.pl-what-card p {
  font-size: 0.8rem;
  color: #5d6785;
  line-height: 1.55;
  margin: 0;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .pl-what-wrap { grid-template-columns: 1fr; gap: 36px; }
}

@media (max-width: 500px) {
  .pl-what-right { grid-template-columns: 1fr; }
  .pl-what-section { padding: 50px 5%; }
}

/* =========================
   WHY KREDITSEVA — REDESIGNED
========================= */

.pl-why-section {
  padding: 70px 6%;
  background: #fff;
  position: relative;
  overflow: hidden;
}

.pl-why-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

/* HEADING */
.pl-why-head {
  text-align: center;
  max-width: 580px;
  margin: 0 auto 48px;
}

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

.pl-why-head h2 {
  
  font-size: clamp(1.8rem, 2.3vw, 2.4rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.15;
}

.pl-why-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #1e90ff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* GRID */
.pl-why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 40px;
}

/* CARD */
.pl-why-card {
  position: relative;
  background: #f8fbff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 20px;
  padding: 28px 22px;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.pl-why-card:nth-child(1) { animation: plWhyFadeIn 0.5s 0.05s ease both; }
.pl-why-card:nth-child(2) { animation: plWhyFadeIn 0.5s 0.13s ease both; }
.pl-why-card:nth-child(3) { animation: plWhyFadeIn 0.5s 0.21s ease both; }
.pl-why-card:nth-child(4) { animation: plWhyFadeIn 0.5s 0.29s ease both; }
.pl-why-card:nth-child(5) { animation: plWhyFadeIn 0.5s 0.37s ease both; }
.pl-why-card:nth-child(6) { animation: plWhyFadeIn 0.5s 0.45s ease both; }

@keyframes plWhyFadeIn {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}

.pl-why-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 44px rgba(4,15,45,0.1);
  border-color: rgba(26,82,204,0.16);
}

/* GLOW */
.pl-why-card-glow {
  position: absolute;
  width: 140px; height: 140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,82,204,0.07), transparent 70%);
  top: -50px; right: -40px;
  pointer-events: none;
  transition: opacity 0.3s;
  opacity: 0;
}

.pl-why-card:hover .pl-why-card-glow { opacity: 1; }

.pl-why-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}

.pl-why-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0 0 8px;
  line-height: 1.3;
}

.pl-why-card p {
  font-size: 0.82rem;
  color: #5d6785;
  line-height: 1.6;
  margin: 0;
}

/* STATS BAR */
.pl-why-stats {
  display: grid !important;
  grid-template-columns: repeat(3, 1fr) !important;
  flex-wrap: unset !important;
  align-items: center;
  background: #2156c9;
  border-radius: 18px;
  padding: 24px 0;
  margin-top: 40px;
}

.pl-why-stats .pl-why-stat {
  flex: unset !important;
  min-width: 0 !important;
  text-align: center;
}

.pl-why-stats .pl-why-stat-div {
  display: none !important;
}

.pl-why-stat {
  text-align: center;
}

.pl-why-stat strong {
  display: block;
  font-size: clamp(1rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 4px;
  white-space: nowrap;
}

.pl-why-stat span {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  letter-spacing: 0.05rem;
  font-weight: 500;
}

.pl-why-stat-div {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.1);
}

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

.pl-why-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 34px;
  border-radius: 14px;
  background: #1a52cc;
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 12px 28px rgba(26,82,204,0.28);
  transition: all .25s ease;
}

.pl-why-cta-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 38px rgba(26,82,204,0.38);
}

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

@media (max-width: 560px) {
  .pl-why-section { padding: 50px 5%; }
  .pl-why-grid { grid-template-columns: 1fr; }
  .pl-why-stats { display: grid; grid-template-columns: repeat(3, 1fr); padding: 16px 0; }
  .pl-why-stat { flex: unset; padding: 10px 0; }
  .pl-why-stat-div { display: none; }
  .pl-why-cta-btn { width: 100%; justify-content: center; }
}

/* =========================
   FAQ SECTION — REDESIGNED
========================= */

.pl-faq-section {
  padding: 70px 6%;
  background: #f4f8ff;
}

.pl-faq-wrap {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 60px;
  align-items: start;
}



.pl-faq-left h2 {
  
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.25;
  margin-bottom: 12px;
}

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

.pl-faq-left > p {
  font-size: 0.9rem;
  color: #5d6785;
  line-height: 1.65;
  margin-bottom: 24px;
}

.pl-faq-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 12px;
  background: linear-gradient(135deg, #1a52cc,#4875d6);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  text-decoration: none;
  margin-bottom: 28px;
  transition: all .25s ease;
  box-shadow: 0 8px 22px rgba(26,82,204,0.25);
}

.pl-faq-cta:hover { transform: translateY(-2px); }

.pl-faq-contacts {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.pl-faq-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 12px;
}

.pl-faq-contact-icon {
  width: 38px; height: 38px;
  min-width: 38px;
  border-radius: 10px;
  background: rgba(26,82,204,0.08);
  color: #1a52cc;
  display: flex; align-items: center; justify-content: center;
}

.pl-faq-contact-item span {
  display: block;
  font-size: 0.9rem;
  color: #8a9ab8;
  margin-bottom: 2px;
}

.pl-faq-contact-item strong {
  font-size: 0.85rem;
  color: #05132f;
  font-weight: 700;
}

/* RIGHT — FAQ LIST */
.pl-faq-right {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.pl-faq-right .faq-item {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 14px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 0.25s ease;
}

.pl-faq-right .faq-item:hover {
  box-shadow: 0 8px 24px rgba(4,15,45,0.08);
}

.pl-faq-right .faq-item.active {
  border-color: rgba(26,82,204,0.2);
  box-shadow: 0 8px 24px rgba(26,82,204,0.08);
}

.pl-faq-right .faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  text-align: left;
  font-size: 0.92rem;
  font-weight: 600;
  color: #05132f;
  cursor: pointer;
  
}

.pl-fq-ico {
  flex-shrink: 0;
  width: 30px; height: 30px;
  border-radius: 8px;
  background: #f0f5ff;
  display: flex; align-items: center; justify-content: center;
  color: #1a52cc;
  transition: transform 0.3s ease, background 0.25s ease;
}

.pl-faq-right .faq-item.active .pl-fq-ico {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  transform: rotate(180deg);
}

.pl-faq-right .faq-answer {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}

.pl-faq-right .faq-item.active .faq-answer {
  padding: 0 20px 18px;
  max-height: 300px;
}

.pl-faq-right .faq-answer p {
  font-size: 0.87rem;
  color: #5d6785;
  line-height: 1.7;
  margin: 0;
  padding-top: 4px;
  border-top: 1px solid rgba(26,82,204,0.06);
  padding-top: 14px;
}

/* LOAD MORE */
.pl-faq-load-more {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 6px;
  padding: 11px 22px;
  border-radius: 10px;
  border: 1.5px solid rgba(26,82,204,0.2);
  background: transparent;
  color: #1a52cc;
  font-size: 0.87rem;
  font-weight: 600;
  cursor: pointer;
  transition: all .25s ease;
  
}

.pl-faq-load-more:hover {
  background: #f0f5ff;
  border-color: #1a52cc;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .pl-faq-wrap { grid-template-columns: 1fr; gap: 36px; }
}

@media (max-width: 560px) {
  .pl-faq-section { padding: 50px 5%; }
  .pl-faq-right .faq-question { font-size: 0.85rem; }
}


/* =========================
   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; }
}

/* ── NEW BANK TABLE ── */
.pl-bank-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: #1a52cc;
  background: rgba(26,82,204,0.08);
  border: 1px solid rgba(26,82,204,0.15);
  padding: 4px 14px;
  border-radius: 50px;
  margin-bottom: 12px;
}

.pl-bank-table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: 16px;
  border: 1px solid #e2e8f0;
  box-shadow: 0 8px 32px rgba(4,15,45,0.06);
}

.pl-bank-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 680px;
  background: #fff;
}

.pl-bank-table thead tr {
  background: linear-gradient(135deg, #1a52cc, #4875d6);
}

.pl-bank-table thead th {
  color: #fff;
  font-size: 0.82rem;
  font-weight: 700;
  text-align: left;
  padding: 14px 18px;
  white-space: nowrap;
}

.pl-bank-table tbody tr {
  border-bottom: 1px solid #eef2fb;
  transition: background 0.15s;
}

.pl-bank-table tbody tr:last-child { border-bottom: none; }
.pl-bank-table tbody tr:hover { background: #f5f8ff; }

.pl-bank-table tbody td {
  padding: 13px 18px;
  font-size: 0.88rem;
  color: #2d3a5c;
  white-space: nowrap;
}

.pl-bt-lender {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  color: #0d1547 !important;
}

.pl-bt-lender img {
  width: 52px;
  height: 28px;
  object-fit: contain;
  flex-shrink: 0;
}

.pl-bt-roi {
  font-weight: 700;
  color: #1a52cc !important;
}

.pl-bt-rate {
  font-weight: 700;
  color: #1a52cc !important;
}

.pl-bt-tat {
  display: inline-block;
  background: #f0f9ff;
  color: #0369a1;
  font-size: 0.78rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 20px;
  border: 1px solid #bae6fd;
}

.pl-bt-btn {
  display: inline-flex;
  align-items: center;
  padding: 6px 18px;
  background: #1a52cc;
  color: #fff;
  font-size: 0.8rem;
  font-weight: 700;
  border-radius: 6px;
  text-decoration: none;
  transition: background 0.2s;
  white-space: nowrap;
}

.pl-bt-btn:hover { background: #0d1547; }

.pl-bank-table-note {
  font-size: 0.76rem;
  color: #94a3b8;
  margin-top: 14px;
  display: flex;
  align-items: flex-start;
  gap: 6px;
  line-height: 1.5;
}

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