/* =========================================
   TEMPLORA EMI PAGE
   SECTION 01: HERO
========================================= */

:root {
  --emi-primary: #2563eb;
  --emi-primary-dark: #1d4ed8;
  --emi-heading: #111827;
  --emi-text: #5b6474;
  --emi-background: #f8faff;
  --emi-border: #e8edf5;
  --emi-white: #ffffff;
}

/* =====================================
   TEMPLORA EMI NAVBAR
===================================== */

.templora-navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  transition: box-shadow 0.3s ease;
}

.templora-navbar.navbar-scrolled {
  box-shadow: 0 5px 24px rgba(15, 23, 42, 0.07);
}

.templora-nav-inner {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

/* LOGO */

.templora-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  text-decoration: none;
}

.templora-logo-icon {
  width: 38px;
  height: 38px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 11px;
  background: #2563eb;
  color: #fff;
  font-size: 21px;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.2);
}

.templora-logo-text {
  color: #111827;
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -1px;
}

.templora-logo-text span {
  color: #2563eb;
}

/* NAVIGATION LINKS */

.templora-nav-links {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 30px;
}

.templora-nav-link {
  position: relative;
  padding: 8px 0;
  color: #596477;
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  transition: color 0.25s ease;
}

.templora-nav-link::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  border-radius: 5px;
  background: #2563eb;
  transition: width 0.25s ease;
}

.templora-nav-link:hover,
.templora-nav-link.active {
  color: #2563eb;
}

.templora-nav-link:hover::after,
.templora-nav-link.active::after {
  width: 100%;
}

/* CTA BUTTON */

.templora-nav-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 12px 18px;
  border: 1px solid #2563eb;
  border-radius: 9px;
  background: #2563eb;
  color: #fff;
  font-size: 13px;
  font-weight: 650;
  text-decoration: none;
  white-space: nowrap;
  transition:
    background 0.25s ease,
    transform 0.25s ease,
    box-shadow 0.25s ease;
}

.templora-nav-cta:hover {
  background: #1d4ed8;
  border-color: #1d4ed8;
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 7px 18px rgba(37, 99, 235, 0.2);
}

.templora-mobile-cta {
  display: none;
}

/* MOBILE MENU BUTTON */

.templora-menu-toggle {
  display: none;
  width: 43px;
  height: 43px;
  padding: 11px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  border: 1px solid #e5eaf2;
  border-radius: 9px;
  background: #fff;
  cursor: pointer;
}

.templora-menu-toggle span {
  display: block;
  width: 19px;
  height: 2px;
  border-radius: 3px;
  background: #1f2937;
  transition:
    transform 0.25s ease,
    opacity 0.25s ease;
}

/* HAMBURGER TO X */

.templora-menu-toggle.is-open span:first-child {
  transform: translateY(7px) rotate(45deg);
}

.templora-menu-toggle.is-open span:nth-child(2) {
  opacity: 0;
}

.templora-menu-toggle.is-open span:last-child {
  transform: translateY(-7px) rotate(-45deg);
}

/* TABLET & MOBILE */

@media (max-width: 991.98px) {

  .templora-nav-inner {
    min-height: 72px;
    gap: 15px;
  }

  .templora-menu-toggle {
    display: flex;
    flex-shrink: 0;
    margin-left: auto;
  }

  .templora-desktop-cta {
    display: none;
  }

  .templora-nav-links {
    position: absolute;
    top: calc(100% + 1px);
    left: 0;
    right: 0;
    display: flex;
    align-items: stretch;
    flex-direction: column;
    gap: 4px;
    padding: 12px 22px 22px;
    background: #fff;
    border-bottom: 1px solid #e8edf5;
    box-shadow: 0 15px 25px rgba(15, 23, 42, 0.07);

    visibility: hidden;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);

    transition:
      opacity 0.25s ease,
      transform 0.25s ease,
      visibility 0.25s ease;
  }

  .templora-nav-links.is-open {
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .templora-nav-link {
    padding: 12px 4px;
    font-size: 14px;
  }

  .templora-nav-link::after {
    display: none;
  }

  .templora-mobile-cta {
    display: inline-flex;
    align-self: flex-start;
    margin-top: 10px;
  }
}

/* SMALL MOBILE */

@media (max-width: 575.98px) {

  .templora-nav-inner {
    min-height: 66px;
  }

  .templora-logo-icon {
    width: 34px;
    height: 34px;
    font-size: 18px;
  }

  .templora-logo-text {
    font-size: 22px;
  }

  .templora-nav-links {
    padding-right: 18px;
    padding-left: 18px;
  }
}

/* REDUCED MOTION */

@media (prefers-reduced-motion: reduce) {

  .templora-navbar *,
  .templora-navbar *::before,
  .templora-navbar *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
  }

}

/* BASIC RESET */

.emi-hero,
.emi-hero * {
  box-sizing: border-box;
}

.emi-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  min-height: 760px;
  padding: 110px 0 105px;
  background:
    radial-gradient(circle at 85% 15%,
      rgba(37, 99, 235, 0.08),
      transparent 28%),
    linear-gradient(135deg,
      #ffffff 0%,
      #f8faff 55%,
      #f1f6ff 100%);
  color: var(--emi-heading);
  font-family: inherit;
}

.emi-hero-container {
  position: relative;
  z-index: 2;
}

/* BACKGROUND EFFECTS */

.emi-hero-glow {
  position: absolute;
  z-index: -1;
  pointer-events: none;
  border-radius: 50%;
  filter: blur(2px);
}

.emi-glow-one {
  top: 100px;
  left: -150px;
  width: 300px;
  height: 300px;
  background: rgba(96, 165, 250, 0.09);
}

.emi-glow-two {
  right: -120px;
  bottom: 40px;
  width: 350px;
  height: 350px;
  background: rgba(129, 140, 248, 0.09);
}

/* LEFT CONTENT */

.emi-hero-content {
  animation: emiFadeUp 0.8s ease both;
}

.emi-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 15px;
  margin-bottom: 28px;
  border: 1px solid #dce7ff;
  border-radius: 50px;
  background: rgba(255, 255, 255, 0.85);
  color: #3157a4;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.15px;
}

.emi-badge-dot {
  width: 8px;
  height: 8px;
  flex-shrink: 0;
  border-radius: 50%;
  background: #22c55e;
  box-shadow: 0 0 0 4px rgba(34, 197, 94, 0.12);
}

.emi-hero-title {
  max-width: 720px;
  margin: 0 0 24px;
  color: var(--emi-heading);
  font-size: clamp(42px, 5.2vw, 66px);
  font-weight: 750;
  line-height: 1.12;
  letter-spacing: -2.8px;
}

.emi-hero-title span {
  color: var(--emi-primary);
}

.emi-hero-description {
  max-width: 590px;
  margin: 0 0 30px;
  color: var(--emi-text);
  font-size: 17px;
  line-height: 1.85;
}

/* BUTTONS */

.emi-hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-bottom: 32px;
}

.emi-btn {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 22px;
  border: 1px solid transparent;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 650;
  text-align: center;
  text-decoration: none;
  transition:
    background 0.25s ease,
    color 0.25s ease,
    border-color 0.25s ease,
    transform 0.25s ease,
    box-shadow 0.25s ease;
}

.emi-btn:hover {
  transform: translateY(-2px);
}

.emi-btn-primary {
  background: var(--emi-primary);
  color: var(--emi-white);
  box-shadow: 0 8px 22px rgba(37, 99, 235, 0.19);
}

.emi-btn-primary:hover {
  background: var(--emi-primary-dark);
  color: var(--emi-white);
  box-shadow: 0 12px 25px rgba(37, 99, 235, 0.25);
}

.emi-btn-secondary {
  border-color: #dce3ef;
  background: rgba(255, 255, 255, 0.8);
  color: var(--emi-heading);
}

.emi-btn-secondary:hover {
  border-color: #b8c9e8;
  background: var(--emi-white);
  color: var(--emi-primary);
}

/* TRUST POINTS */

.emi-hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 22px;
}

.emi-trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  color: #596477;
  font-size: 12px;
  font-weight: 550;
}

.emi-trust-item i {
  color: #16a34a;
  font-size: 15px;
}

/* RIGHT SIDE CARD */

.emi-preview-wrapper {
  position: relative;
  max-width: 430px;
  margin: 0 auto;
  animation: emiFadeUp 0.9s ease 0.15s both;
}

.emi-preview-card {
  position: relative;
  padding: 28px;
  border: 1px solid rgba(226, 232, 240, 0.9);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow:
    0 25px 65px rgba(30, 64, 175, 0.09),
    0 5px 15px rgba(15, 23, 42, 0.035);
}

.emi-preview-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
  margin-bottom: 24px;
}

.emi-preview-eyebrow {
  display: block;
  margin-bottom: 8px;
  color: #788399;
  font-size: 9px;
  font-weight: 750;
  letter-spacing: 1.1px;
}

.emi-preview-header h2 {
  margin: 0;
  color: var(--emi-heading);
  font-size: 19px;
  font-weight: 700;
}

.emi-preview-icon {
  display: flex;
  width: 45px;
  height: 45px;
  flex-shrink: 0;
  align-items: center;
  justify-content: center;
  border-radius: 13px;
  background: #eff4ff;
  color: var(--emi-primary);
  font-size: 21px;
}

/* PRICE */

.emi-price-block {
  padding: 20px;
  border: 1px solid #e2eaff;
  border-radius: 15px;
  background: linear-gradient(135deg, #f5f8ff, #edf3ff);
}

.emi-price-label,
.emi-price-note {
  display: block;
  color: #68758c;
  font-size: 12px;
}

.emi-price {
  margin: 6px 0;
  color: var(--emi-heading);
  font-size: 38px;
  font-weight: 750;
  line-height: 1.2;
  letter-spacing: -1.3px;
}

.emi-price-note {
  font-size: 10px;
}

/* PAYMENT ROWS */

.emi-payment-breakdown {
  padding: 10px 0;
}

.emi-payment-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 16px 0;
}

.emi-payment-info {
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 0;
}

.emi-payment-icon {
  display: flex;
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  align-items: center;
  justify-content: center;
  border-radius: 11px;
  background: #effdf5;
  color: #16a34a;
  font-size: 18px;
}

.emi-icon-blue {
  background: #eff6ff;
  color: #2563eb;
}

.emi-icon-purple {
  background: #f5f3ff;
  color: #7c3aed;
}

.emi-payment-row h3 {
  margin: 0 0 4px;
  color: #263247;
  font-size: 13px;
  font-weight: 700;
}

.emi-payment-row p {
  margin: 0;
  color: #7a8497;
  font-size: 10px;
  line-height: 1.5;
}

.emi-payment-row>strong {
  flex-shrink: 0;
  color: #1d293d;
  font-size: 13px;
  font-weight: 750;
}

.emi-payment-divider {
  height: 1px;
  background: #edf0f5;
}

/* CARD FOOTER */

.emi-preview-footer {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 14px;
  border-radius: 12px;
  background: #f7f9fc;
}

.emi-preview-footer>i {
  margin-top: 2px;
  color: #16a34a;
  font-size: 16px;
}

.emi-preview-footer p {
  margin: 0;
  color: #657084;
  font-size: 11px;
  line-height: 1.7;
}

.emi-card-link {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 18px;
  color: var(--emi-primary);
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
}

.emi-card-link:hover {
  color: var(--emi-primary-dark);
}

/* FLOATING NOTE */

.emi-floating-note {
  position: absolute;
  right: -24px;
  bottom: 55px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 13px 16px;
  border: 1px solid #e8edf5;
  border-radius: 13px;
  background: var(--emi-white);
  box-shadow: 0 12px 35px rgba(15, 23, 42, 0.09);
  animation: emiFloat 4s ease-in-out infinite;
}

.emi-floating-icon {
  display: flex;
  width: 35px;
  height: 35px;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: #dcfce7;
  color: #15803d;
  font-size: 18px;
}

.emi-floating-note strong,
.emi-floating-note span:not(.emi-floating-icon) {
  display: block;
}

.emi-floating-note strong {
  margin-bottom: 4px;
  color: #263247;
  font-size: 11px;
}

.emi-floating-note div>span {
  color: #7a8497;
  font-size: 9px;
}

/* SCROLL INDICATOR */

.emi-scroll-indicator {
  position: absolute;
  bottom: 25px;
  left: 50%;
  display: flex;
  align-items: center;
  gap: 10px;
  color: #7a8497;
  font-size: 11px;
  font-weight: 600;
  text-decoration: none;
  transform: translateX(-50%);
}

.emi-scroll-indicator i {
  color: var(--emi-primary);
  animation: emiScroll 1.8s ease-in-out infinite;
}

.emi-scroll-indicator:hover {
  color: var(--emi-primary);
}

/* ANIMATIONS */

@keyframes emiFadeUp {
  from {
    opacity: 0;
    transform: translateY(22px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes emiFloat {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-7px);
  }
}

@keyframes emiScroll {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(5px);
  }
}

/* TABLET */

@media (max-width: 991.98px) {
  .emi-hero {
    min-height: auto;
    padding: 90px 0 100px;
  }

  .emi-hero-content {
    text-align: center;
  }

  .emi-hero-title,
  .emi-hero-description {
    margin-right: auto;
    margin-left: auto;
  }

  .emi-hero-actions,
  .emi-hero-trust {
    justify-content: center;
  }

  .emi-preview-wrapper {
    margin-top: 10px;
  }

  .emi-floating-note {
    right: -8px;
  }
}

/* MOBILE */

@media (max-width: 575.98px) {
  .emi-hero {
    padding: 65px 0 80px;
  }

  .emi-hero-badge {
    gap: 8px;
    padding: 9px 12px;
    margin-bottom: 22px;
    font-size: 11px;
  }

  .emi-hero-title {
    margin-bottom: 18px;
    font-size: clamp(36px, 10vw, 46px);
    line-height: 1.15;
    letter-spacing: -1.7px;
  }

  .emi-hero-description {
    font-size: 14px;
    line-height: 1.8;
  }

  .emi-hero-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 11px;
  }

  .emi-btn {
    width: 100%;
    min-height: 50px;
  }

  .emi-hero-trust {
    gap: 12px 15px;
  }

  .emi-trust-item {
    font-size: 10px;
  }

  .emi-preview-card {
    padding: 20px;
    border-radius: 18px;
  }

  .emi-preview-header h2 {
    font-size: 17px;
  }

  .emi-price {
    font-size: 34px;
  }

  .emi-payment-row {
    gap: 8px;
  }

  .emi-payment-info {
    gap: 9px;
  }

  .emi-payment-icon {
    width: 35px;
    height: 35px;
    font-size: 16px;
  }

  .emi-payment-row h3 {
    font-size: 12px;
  }

  .emi-payment-row p {
    font-size: 9px;
  }

  .emi-payment-row>strong {
    font-size: 11px;
  }

  .emi-floating-note {
    right: 8px;
    bottom: -28px;
    padding: 10px 12px;
  }

  .emi-scroll-indicator {
    bottom: 20px;
    white-space: nowrap;
  }
}

/* ACCESSIBILITY: REDUCED MOTION */

@media (prefers-reduced-motion: reduce) {

  .emi-hero *,
  .emi-hero *::before,
  .emi-hero *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}

/* =================================
   SECTION 02: INTRODUCTION & BENEFITS
================================== */

.emi-intro-section {
  position: relative;
  padding: 105px 0;
  background: #ffffff;
  overflow: hidden;
}

.emi-intro-heading {
  max-width: 760px;
  margin: 0 auto 55px;
  text-align: center;
}

/* SECTION LABEL */

.emi-section-label {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  margin-bottom: 20px;
  color: #2563eb;
  font-size: 11px;
  font-weight: 750;
  letter-spacing: 1.2px;
}

.emi-section-label span {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #2563eb;
}

/* HEADING */

.emi-intro-heading h2 {
  margin: 0 0 20px;
  color: #111827;
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 750;
  line-height: 1.2;
  letter-spacing: -1.6px;
}

.emi-intro-heading h2 span {
  display: block;
  margin-top: 5px;
  color: #2563eb;
}

.emi-intro-heading>p {
  max-width: 650px;
  margin: 0 auto;
  color: #647084;
  font-size: 15px;
  line-height: 1.9;
}

/* BENEFIT CARDS */

.emi-benefit-card {
  position: relative;
  height: 100%;
  min-height: 295px;
  padding: 30px 27px;
  border: 1px solid #e9edf5;
  border-radius: 17px;
  background: #ffffff;
  transition:
    transform 0.3s ease,
    box-shadow 0.3s ease,
    border-color 0.3s ease;
}

.emi-benefit-card:hover {
  transform: translateY(-6px);
  border-color: #d6e3ff;
  box-shadow: 0 18px 40px rgba(30, 64, 175, 0.07);
}

/* ICONS */

.emi-benefit-icon {
  display: flex;
  width: 51px;
  height: 51px;
  align-items: center;
  justify-content: center;
  margin-bottom: 25px;
  border-radius: 14px;
  font-size: 22px;
}

.icon-blue {
  background: #eff6ff;
  color: #2563eb;
}

.icon-purple {
  background: #f5f3ff;
  color: #7c3aed;
}

.icon-green {
  background: #ecfdf5;
  color: #059669;
}

/* NUMBER */

.emi-benefit-number {
  position: absolute;
  top: 31px;
  right: 27px;
  color: #e5eaf3;
  font-size: 25px;
  font-weight: 800;
  letter-spacing: -1px;
}

/* CARD TEXT */

.emi-benefit-card h3 {
  margin: 0 0 13px;
  color: #172033;
  font-size: 19px;
  font-weight: 700;
  letter-spacing: -0.3px;
}

.emi-benefit-card>p {
  margin: 0 0 23px;
  color: #697589;
  font-size: 13px;
  line-height: 1.9;
}

/* CARD FOOTER */

.emi-benefit-footer {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid #f0f2f7;
}

.emi-benefit-footer i {
  color: #16a34a;
  font-size: 14px;
}

.emi-benefit-footer span {
  color: #4b586d;
  font-size: 11px;
  font-weight: 650;
}

/* TRANSPARENCY STRIP */

.emi-transparency-strip {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 42px;
  padding: 25px 28px;
  border: 1px solid #dce7ff;
  border-radius: 16px;
  background: linear-gradient(110deg,
      #f5f8ff,
      #ffffff);
}

.emi-transparency-icon {
  display: flex;
  width: 49px;
  height: 49px;
  flex-shrink: 0;
  align-items: center;
  justify-content: center;
  border-radius: 13px;
  background: #e5edff;
  color: #2563eb;
  font-size: 22px;
}

.emi-transparency-content {
  flex: 1;
}

.emi-transparency-content h3 {
  margin: 0 0 7px;
  color: #172033;
  font-size: 15px;
  font-weight: 750;
}

.emi-transparency-content p {
  max-width: 680px;
  margin: 0;
  color: #697589;
  font-size: 12px;
  line-height: 1.8;
}

.emi-transparency-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  flex-shrink: 0;
  color: #2563eb;
  font-size: 12px;
  font-weight: 700;
  text-decoration: none;
  transition: gap 0.25s ease;
}

.emi-transparency-link:hover {
  gap: 14px;
  color: #1d4ed8;
}

/* RESPONSIVE */

@media (max-width: 991.98px) {

  .emi-intro-section {
    padding: 85px 0;
  }

  .emi-intro-heading {
    margin-bottom: 40px;
  }

  .emi-benefit-card {
    min-height: 280px;
  }

  .emi-transparency-strip {
    flex-wrap: wrap;
  }

  .emi-transparency-link {
    margin-left: 69px;
  }
}

@media (max-width: 575.98px) {

  .emi-intro-section {
    padding: 70px 0;
  }

  .emi-intro-heading {
    margin-bottom: 32px;
    text-align: left;
  }

  .emi-section-label {
    font-size: 10px;
  }

  .emi-intro-heading h2 {
    font-size: 32px;
    letter-spacing: -1px;
  }

  .emi-intro-heading h2 span {
    display: inline;
  }

  .emi-intro-heading>p {
    font-size: 13px;
    line-height: 1.85;
  }

  .emi-benefit-card {
    min-height: auto;
    padding: 25px 22px;
  }

  .emi-benefit-number {
    top: 26px;
    right: 22px;
  }

  .emi-transparency-strip {
    align-items: flex-start;
    gap: 14px;
    margin-top: 28px;
    padding: 21px;
  }

  .emi-transparency-icon {
    width: 42px;
    height: 42px;
    font-size: 19px;
  }

  .emi-transparency-content {
    flex-basis: calc(100% - 60px);
  }

  .emi-transparency-content h3 {
    font-size: 14px;
  }

  .emi-transparency-content p {
    font-size: 11px;
  }

  .emi-transparency-link {
    margin: 5px 0 0;
  }
}

/* REDUCED MOTION */

@media (prefers-reduced-motion: reduce) {

  .emi-benefit-card,
  .emi-transparency-link {
    transition: none;
  }

  .emi-benefit-card:hover {
    transform: none;
  }

}

/* =========================================
   SECTION 03: WEBSITE TYPES & ELIGIBILITY
========================================= */

.emi-types-section {
  padding: 100px 0;
  background: #f8fafc;
}

.emi-types-header {
  max-width: 680px;
  margin: 0 auto 52px;
  text-align: center;
}

.emi-section-label {
  display: inline-block;
  margin-bottom: 15px;
  color: #2563eb;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 2px;
}

.emi-types-header h2 {
  margin: 0 0 18px;
  color: #0f172a;
  font-size: clamp(30px, 4vw, 44px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1.4px;
}

.emi-types-header h2 span {
  color: #2563eb;
}

.emi-types-header p {
  max-width: 570px;
  margin: 0 auto;
  color: #64748b;
  font-size: 16px;
  line-height: 1.8;
}

/* Website Cards */

.emi-type-card {
  height: 100%;
  padding: 30px;
  background: #ffffff;
  border: 1px solid #e8edf5;
  border-radius: 18px;
  transition:
    transform 0.3s ease,
    border-color 0.3s ease,
    box-shadow 0.3s ease;
}

.emi-type-card:hover {
  transform: translateY(-6px);
  border-color: #bfdbfe;
  box-shadow: 0 18px 45px rgba(15, 23, 42, 0.07);
}

.emi-type-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  margin-bottom: 24px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 15px;
  font-size: 25px;
  transition:
    color 0.3s ease,
    background 0.3s ease;
}

.emi-type-card:hover .emi-type-icon {
  color: #ffffff;
  background: #2563eb;
}

.emi-type-card h3 {
  margin-bottom: 12px;
  color: #0f172a;
  font-size: 20px;
  font-weight: 750;
  letter-spacing: -0.4px;
}

.emi-type-card p {
  margin-bottom: 22px;
  color: #64748b;
  font-size: 14px;
  line-height: 1.8;
}

.emi-type-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.emi-type-tags span {
  display: inline-block;
  padding: 7px 10px;
  color: #475569;
  background: #f1f5f9;
  border-radius: 7px;
  font-size: 11px;
  font-weight: 650;
}

/* Eligibility Note */

.emi-eligibility-note {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 42px;
  padding: 26px 30px;
  background: #ffffff;
  border: 1px solid #dbeafe;
  border-radius: 16px;
}

.emi-eligibility-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 13px;
  font-size: 22px;
}

.emi-eligibility-content {
  flex: 1;
}

.emi-eligibility-content h4 {
  margin: 0 0 7px;
  color: #0f172a;
  font-size: 16px;
  font-weight: 750;
}

.emi-eligibility-content p {
  margin: 0;
  color: #64748b;
  font-size: 13px;
  line-height: 1.8;
}

.emi-eligibility-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  flex-shrink: 0;
  padding: 12px 18px;
  color: #ffffff;
  background: #2563eb;
  border: 1px solid #2563eb;
  border-radius: 9px;
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  transition:
    background 0.25s ease,
    transform 0.25s ease;
}

.emi-eligibility-link:hover {
  color: #ffffff;
  background: #1d4ed8;
  transform: translateY(-2px);
}

/* Responsive Design */

@media (max-width: 767px) {
  .emi-types-section {
    padding: 70px 0;
  }

  .emi-types-header {
    margin-bottom: 35px;
  }

  .emi-types-header h2 {
    letter-spacing: -0.8px;
  }

  .emi-type-card {
    padding: 25px;
  }

  .emi-eligibility-note {
    align-items: flex-start;
    flex-wrap: wrap;
    gap: 15px;
    margin-top: 30px;
    padding: 22px;
  }

  .emi-eligibility-content {
    flex-basis: calc(100% - 65px);
  }

  .emi-eligibility-link {
    width: 100%;
  }
}

/* =========================================
   SECTION 04: HOW EMI WORKS
========================================= */

.emi-process-section {
  padding: 100px 0;
  background: #ffffff;
}

/* Heading */

.emi-process-header {
  max-width: 700px;
  margin: 0 auto 58px;
  text-align: center;
}

.emi-process-header h2 {
  margin: 0 0 18px;
  color: #0f172a;
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1.4px;
}

.emi-process-header h2 span {
  color: #2563eb;
}

.emi-process-header>p {
  max-width: 590px;
  margin: 0 auto;
  color: #64748b;
  font-size: 15px;
  line-height: 1.9;
}

/* Process Cards */

.emi-process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
  position: relative;
}

.emi-process-card {
  position: relative;
  min-width: 0;
  padding: 27px 23px;
  background: #f8fafc;
  border: 1px solid #e8edf5;
  border-radius: 17px;
  transition:
    transform 0.3s ease,
    border-color 0.3s ease,
    box-shadow 0.3s ease;
}

.emi-process-card:hover {
  transform: translateY(-5px);
  background: #ffffff;
  border-color: #bfdbfe;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.07);
}

.emi-process-step {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 28px;
}

.emi-process-step>span {
  color: #94a3b8;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 1px;
}

.emi-process-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 49px;
  height: 49px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 14px;
  font-size: 22px;
  transition:
    background 0.3s ease,
    color 0.3s ease;
}

.emi-process-card:hover .emi-process-icon {
  color: #ffffff;
  background: #2563eb;
}

.emi-process-card h3 {
  margin-bottom: 12px;
  color: #0f172a;
  font-size: 18px;
  font-weight: 750;
  line-height: 1.4;
  letter-spacing: -0.4px;
}

.emi-process-card>p {
  margin-bottom: 24px;
  color: #64748b;
  font-size: 13px;
  line-height: 1.85;
}

.emi-process-caption {
  display: inline-block;
  padding-top: 13px;
  color: #2563eb;
  border-top: 1px solid #dbeafe;
  font-size: 11px;
  font-weight: 750;
  letter-spacing: 0.3px;
}

/* Example Payment Breakdown */

.emi-process-example {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 45px;
  align-items: center;
  margin-top: 60px;
  padding: 42px;
  background: #0f172a;
  border-radius: 22px;
}

.emi-example-label {
  display: inline-block;
  margin-bottom: 16px;
  color: #93c5fd;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.8px;
}

.emi-example-content h3 {
  margin: 0 0 15px;
  color: #ffffff;
  font-size: clamp(25px, 3vw, 34px);
  font-weight: 800;
  line-height: 1.3;
  letter-spacing: -0.8px;
}

.emi-example-content>p {
  max-width: 400px;
  margin: 0;
  color: #cbd5e1;
  font-size: 14px;
  line-height: 1.9;
}

.emi-example-breakdown {
  padding: 27px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
}

.emi-example-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 15px;
  margin-bottom: 17px;
}

.emi-example-row span {
  color: #cbd5e1;
  font-size: 13px;
}

.emi-example-row strong {
  color: #ffffff;
  font-size: 16px;
  font-weight: 750;
}

.emi-example-divider {
  height: 1px;
  margin: 22px 0;
  background: rgba(255, 255, 255, 0.15);
}

.emi-example-plan {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.emi-example-plan>div {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.emi-example-plan>div>span {
  color: #cbd5e1;
  font-size: 12px;
}

.emi-example-plan strong {
  color: #93c5fd;
  font-size: 22px;
  font-weight: 800;
  white-space: nowrap;
}

.emi-example-plan strong small {
  color: #cbd5e1;
  font-size: 11px;
  font-weight: 500;
}

.emi-example-disclaimer {
  margin: 23px 0 0;
  padding-top: 17px;
  color: #cbd5e1;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
  font-size: 11px;
  line-height: 1.8;
}

/* Bottom CTA */

.emi-process-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 25px;
  margin-top: 42px;
}

.emi-process-cta h3 {
  margin: 0 0 7px;
  color: #0f172a;
  font-size: 21px;
  font-weight: 800;
}

.emi-process-cta p {
  margin: 0;
  color: #64748b;
  font-size: 13px;
  line-height: 1.8;
}

.emi-process-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-shrink: 0;
  padding: 14px 21px;
  color: #ffffff;
  background: #2563eb;
  border: 1px solid #2563eb;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 750;
  text-decoration: none;
  transition:
    background 0.25s ease,
    transform 0.25s ease;
}

.emi-process-cta-btn:hover {
  color: #ffffff;
  background: #1d4ed8;
  transform: translateY(-2px);
}

/* Responsive */

@media (max-width: 991px) {
  .emi-process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .emi-process-example {
    grid-template-columns: 1fr;
    gap: 30px;
    padding: 32px;
  }
}

@media (max-width: 575px) {
  .emi-process-section {
    padding: 70px 0;
  }

  .emi-process-header {
    margin-bottom: 35px;
  }

  .emi-process-header h2 {
    letter-spacing: -0.8px;
  }

  .emi-process-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .emi-process-card {
    padding: 24px;
  }

  .emi-process-step {
    margin-bottom: 20px;
  }

  .emi-process-card>p {
    margin-bottom: 18px;
  }

  .emi-process-example {
    gap: 25px;
    margin-top: 35px;
    padding: 23px;
    border-radius: 17px;
  }

  .emi-example-breakdown {
    padding: 20px;
  }

  .emi-example-plan {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .emi-process-cta {
    align-items: flex-start;
    flex-direction: column;
    margin-top: 32px;
  }

  .emi-process-cta-btn {
    width: 100%;
  }
}

/* =========================================
   SECTION 05: EMI PLANS & PRICING
========================================= */

.emi-pricing-section {
  padding: 100px 0;
  background: #f8fafc;
}

/* Header */

.emi-pricing-header {
  max-width: 720px;
  margin: 0 auto 45px;
  text-align: center;
}

.emi-pricing-header h2 {
  margin: 0 0 18px;
  color: #0f172a;
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1.4px;
}

.emi-pricing-header h2 span {
  color: #2563eb;
}

.emi-pricing-header>p {
  max-width: 590px;
  margin: 0 auto 22px;
  color: #64748b;
  font-size: 15px;
  line-height: 1.9;
}

.emi-pricing-example-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 15px;
  color: #1d4ed8;
  background: #eff6ff;
  border: 1px solid #dbeafe;
  border-radius: 30px;
  font-size: 12px;
  font-weight: 650;
}

/* Summary Bar */

.emi-pricing-summary {
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 20px;
  margin-bottom: 35px;
  padding: 25px 30px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
}

.emi-summary-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 9px;
  text-align: center;
}

.emi-summary-item span {
  color: #64748b;
  font-size: 12px;
}

.emi-summary-item strong {
  color: #0f172a;
  font-size: 22px;
  font-weight: 800;
}

.emi-summary-divider {
  width: 1px;
  height: 43px;
  background: #e2e8f0;
}

/* Pricing Cards */

.emi-pricing-cards {
  align-items: stretch;
}

.emi-pricing-card {
  position: relative;
  display: flex;
  flex-direction: column;
  height: 100%;
  padding: 32px;
  overflow: hidden;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 20px;
  transition:
    transform 0.3s ease,
    border-color 0.3s ease,
    box-shadow 0.3s ease;
}

.emi-pricing-card:hover {
  transform: translateY(-5px);
  border-color: #bfdbfe;
  box-shadow: 0 18px 45px rgba(15, 23, 42, 0.07);
}

.emi-pricing-card-featured {
  border: 2px solid #2563eb;
  box-shadow: 0 12px 35px rgba(37, 99, 235, 0.08);
}

.emi-plan-popular {
  align-self: flex-start;
  margin: -32px 0 26px -32px;
  padding: 10px 20px;
  color: #ffffff;
  background: #2563eb;
  border-radius: 0 0 12px 0;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 1.2px;
}

.emi-plan-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 15px;
  margin-bottom: 27px;
}

.emi-plan-duration {
  display: block;
  margin-bottom: 10px;
  color: #64748b;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 1.2px;
}

.emi-plan-top h3 {
  margin: 0 0 9px;
  color: #0f172a;
  font-size: 25px;
  font-weight: 800;
  letter-spacing: -0.7px;
}

.emi-plan-top p {
  margin: 0;
  color: #64748b;
  font-size: 13px;
  line-height: 1.7;
}

.emi-plan-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 50px;
  height: 50px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 14px;
  font-size: 22px;
}

/* Main Price */

.emi-plan-price {
  display: flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 9px;
}

.emi-plan-price strong {
  color: #0f172a;
  font-size: clamp(32px, 4vw, 42px);
  font-weight: 850;
  line-height: 1.2;
  letter-spacing: -1.3px;
}

.emi-pricing-card-featured .emi-plan-price strong {
  color: #2563eb;
}

.emi-plan-price>span {
  color: #64748b;
  font-size: 13px;
}

.emi-plan-payment-note {
  margin: 0;
  color: #64748b;
  font-size: 12px;
  line-height: 1.7;
}

.emi-plan-divider {
  height: 1px;
  margin: 26px 0;
  background: #e2e8f0;
}

/* Breakdown */

.emi-plan-breakdown {
  display: flex;
  flex-direction: column;
  gap: 19px;
  margin-bottom: 30px;
}

.emi-plan-breakdown>div {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 15px;
}

.emi-plan-breakdown span {
  color: #64748b;
  font-size: 13px;
  line-height: 1.6;
}

.emi-plan-breakdown strong {
  color: #0f172a;
  font-size: 13px;
  font-weight: 750;
  text-align: right;
}

.emi-plan-breakdown .emi-plan-total {
  margin-top: 2px;
  padding-top: 18px;
  border-top: 1px solid #e2e8f0;
}

.emi-plan-total span,
.emi-plan-total strong {
  color: #0f172a;
  font-weight: 800;
}

/* Buttons */

.emi-plan-button {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  min-height: 49px;
  margin-top: auto;
  padding: 14px 18px;
  border: 1px solid #2563eb;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 750;
  text-align: center;
  text-decoration: none;
  transition:
    color 0.25s ease,
    background 0.25s ease,
    transform 0.25s ease;
}

.emi-plan-button:hover {
  transform: translateY(-2px);
}

.emi-plan-button-outline {
  color: #2563eb;
  background: #ffffff;
}

.emi-plan-button-outline:hover {
  color: #ffffff;
  background: #2563eb;
}

.emi-plan-button-primary {
  color: #ffffff;
  background: #2563eb;
}

.emi-plan-button-primary:hover {
  color: #ffffff;
  background: #1d4ed8;
}

.emi-plan-footnote {
  margin: 13px 0 0;
  color: #94a3b8;
  font-size: 10px;
  line-height: 1.7;
  text-align: center;
}

/* Transparency Notice */

.emi-pricing-transparency {
  display: flex;
  align-items: flex-start;
  gap: 17px;
  margin-top: 35px;
  padding: 25px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 15px;
}

.emi-transparency-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 45px;
  height: 45px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 12px;
  font-size: 21px;
}

.emi-pricing-transparency h4 {
  margin: 0 0 8px;
  color: #0f172a;
  font-size: 16px;
  font-weight: 800;
}

.emi-pricing-transparency p {
  margin: 0;
  color: #64748b;
  font-size: 12px;
  line-height: 1.9;
}

/* Responsive */

@media (max-width: 767px) {
  .emi-pricing-section {
    padding: 70px 0;
  }

  .emi-pricing-header {
    margin-bottom: 32px;
  }

  .emi-pricing-header h2 {
    letter-spacing: -0.8px;
  }

  .emi-pricing-summary {
    flex-direction: column;
    align-items: stretch;
    gap: 18px;
    padding: 22px;
  }

  .emi-summary-item {
    gap: 5px;
  }

  .emi-summary-divider {
    width: 100%;
    height: 1px;
  }

  .emi-pricing-card {
    padding: 25px;
  }

  .emi-plan-popular {
    margin: -25px 0 24px -25px;
  }

  .emi-pricing-transparency {
    padding: 20px;
  }
}

@media (prefers-reduced-motion: reduce) {

  .emi-pricing-card,
  .emi-plan-button {
    transition: none;
  }

  .emi-pricing-card:hover,
  .emi-plan-button:hover {
    transform: none;
  }
}

/* =========================================
   SECTION 06: WHAT'S INCLUDED
========================================= */

.emi-included-section {
  padding: 100px 0;
  background: #ffffff;
}

/* Header */

.emi-included-header {
  max-width: 720px;
  margin: 0 auto 52px;
  text-align: center;
}

.emi-included-header h2 {
  margin: 0 0 18px;
  color: #0f172a;
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1.3px;
}

.emi-included-header h2 span {
  color: #2563eb;
}

.emi-included-header>p {
  max-width: 590px;
  margin: 0 auto;
  color: #64748b;
  font-size: 15px;
  line-height: 1.9;
}

/* Cards */

.emi-included-card {
  height: 100%;
  padding: 30px;
  background: #ffffff;
  border: 1px solid #e8edf5;
  border-radius: 17px;
  transition:
    transform 0.3s ease,
    border-color 0.3s ease,
    box-shadow 0.3s ease;
}

.emi-included-card:hover {
  transform: translateY(-5px);
  border-color: #bfdbfe;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.06);
}

.emi-included-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 53px;
  height: 53px;
  margin-bottom: 24px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 14px;
  font-size: 24px;
  transition:
    color 0.3s ease,
    background 0.3s ease;
}

.emi-included-card:hover .emi-included-icon {
  color: #ffffff;
  background: #2563eb;
}

.emi-included-card h3 {
  margin: 0 0 12px;
  color: #0f172a;
  font-size: 19px;
  font-weight: 750;
  line-height: 1.4;
  letter-spacing: -0.4px;
}

.emi-included-card>p {
  margin: 0 0 22px;
  color: #64748b;
  font-size: 13px;
  line-height: 1.9;
}

.emi-included-tag {
  display: inline-block;
  padding: 8px 11px;
  color: #1d4ed8;
  background: #eff6ff;
  border-radius: 7px;
  font-size: 10px;
  font-weight: 750;
  letter-spacing: 0.3px;
}

/* Note */

.emi-included-note {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-top: 42px;
  padding: 26px;
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
}

.emi-included-note-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 46px;
  height: 46px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 12px;
  font-size: 21px;
}

.emi-included-note-content {
  flex: 1;
}

.emi-included-note-content h4 {
  margin: 0 0 9px;
  color: #0f172a;
  font-size: 16px;
  font-weight: 800;
}

.emi-included-note-content p {
  margin: 0;
  color: #64748b;
  font-size: 12px;
  line-height: 1.9;
}

.emi-included-note-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  flex-shrink: 0;
  padding: 12px 17px;
  color: #ffffff;
  background: #2563eb;
  border: 1px solid #2563eb;
  border-radius: 9px;
  font-size: 12px;
  font-weight: 750;
  text-decoration: none;
  transition:
    background 0.25s ease,
    transform 0.25s ease;
}

.emi-included-note-link:hover {
  color: #ffffff;
  background: #1d4ed8;
  transform: translateY(-2px);
}

/* Responsive */

@media (max-width: 767px) {
  .emi-included-section {
    padding: 70px 0;
  }

  .emi-included-header {
    margin-bottom: 35px;
  }

  .emi-included-header h2 {
    letter-spacing: -0.8px;
  }

  .emi-included-card {
    padding: 25px;
  }

  .emi-included-note {
    flex-wrap: wrap;
    padding: 21px;
  }

  .emi-included-note-content {
    flex-basis: calc(100% - 65px);
  }

  .emi-included-note-link {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {

  .emi-included-card,
  .emi-included-icon,
  .emi-included-note-link {
    transition: none;
  }

  .emi-included-card:hover,
  .emi-included-note-link:hover {
    transform: none;
  }
}

/* =========================================
   SECTION 07: TERMS & CONDITIONS
========================================= */

.emi-terms-section {
  padding: 100px 0;
  background: #f8fafc;
}

/* Header */

.emi-terms-header {
  max-width: 700px;
  margin: 0 auto 52px;
  text-align: center;
}

.emi-terms-header h2 {
  margin: 0 0 18px;
  color: #0f172a;
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1.3px;
}

.emi-terms-header h2 span {
  color: #2563eb;
}

.emi-terms-header>p {
  max-width: 590px;
  margin: 0 auto;
  color: #64748b;
  font-size: 15px;
  line-height: 1.9;
}

/* Terms Cards */

.emi-terms-card {
  height: 100%;
  padding: 29px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 17px;
  transition:
    transform 0.3s ease,
    border-color 0.3s ease,
    box-shadow 0.3s ease;
}

.emi-terms-card:hover {
  transform: translateY(-4px);
  border-color: #bfdbfe;
  box-shadow: 0 14px 36px rgba(15, 23, 42, 0.06);
}

.emi-terms-card-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 23px;
}

.emi-terms-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 51px;
  height: 51px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 14px;
  font-size: 23px;
}

.emi-terms-number {
  color: #cbd5e1;
  font-size: 15px;
  font-weight: 800;
  letter-spacing: 1px;
}

.emi-terms-card h3 {
  margin: 0 0 20px;
  color: #0f172a;
  font-size: 19px;
  font-weight: 800;
  letter-spacing: -0.4px;
}

.emi-terms-card ul {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.emi-terms-card li {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  color: #64748b;
  font-size: 13px;
  line-height: 1.85;
}

.emi-terms-card li i {
  flex-shrink: 0;
  margin-top: 3px;
  color: #2563eb;
  font-size: 15px;
}

/* Agreement Notice */

.emi-terms-notice {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-top: 42px;
  padding: 27px;
  background: #ffffff;
  border: 1px solid #dbeafe;
  border-radius: 16px;
}

.emi-terms-notice-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 47px;
  height: 47px;
  color: #2563eb;
  background: #eff6ff;
  border-radius: 13px;
  font-size: 22px;
}

.emi-terms-notice-content {
  flex: 1;
}

.emi-terms-notice-content h4 {
  margin: 0 0 8px;
  color: #0f172a;
  font-size: 16px;
  font-weight: 800;
}

.emi-terms-notice-content p {
  margin: 0;
  color: #64748b;
  font-size: 12px;
  line-height: 1.9;
}

.emi-terms-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  flex-shrink: 0;
  padding: 12px 17px;
  color: #ffffff;
  background: #2563eb;
  border: 1px solid #2563eb;
  border-radius: 9px;
  font-size: 12px;
  font-weight: 750;
  text-decoration: none;
  transition:
    background 0.25s ease,
    transform 0.25s ease;
}

.emi-terms-cta:hover {
  color: #ffffff;
  background: #1d4ed8;
  transform: translateY(-2px);
}

/* Responsive */

@media (max-width: 767px) {
  .emi-terms-section {
    padding: 70px 0;
  }

  .emi-terms-header {
    margin-bottom: 35px;
  }

  .emi-terms-header h2 {
    letter-spacing: -0.8px;
  }

  .emi-terms-card {
    padding: 24px;
  }

  .emi-terms-notice {
    flex-wrap: wrap;
    padding: 21px;
  }

  .emi-terms-notice-content {
    flex-basis: calc(100% - 65px);
  }

  .emi-terms-cta {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {

  .emi-terms-card,
  .emi-terms-cta {
    transition: none;
  }

  .emi-terms-card:hover,
  .emi-terms-cta:hover {
    transform: none;
  }
}

/* =========================
   SECTION 08: FAQ
========================= */

.emi-faq-section {
  padding: 100px 0;
  background: #f8fafc;
  scroll-margin-top: 90px;
}

.emi-faq-heading {
  max-width: 700px;
  margin: 0 auto 55px;
  text-align: center;
}

.emi-faq-label {
  display: inline-block;
  margin-bottom: 15px;
  padding: 8px 15px;
  border: 1px solid #dbeafe;
  border-radius: 30px;
  background: #eff6ff;
  color: #2563eb;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1.5px;
}

.emi-faq-heading h2 {
  margin: 0 0 18px;
  color: #0f172a;
  font-size: clamp(30px, 4vw, 44px);
  font-weight: 800;
  line-height: 1.2;
}

.emi-faq-heading h2 span {
  color: #2563eb;
}

.emi-faq-heading>p {
  max-width: 600px;
  margin: 0 auto;
  color: #64748b;
  font-size: 16px;
  line-height: 1.8;
}

.emi-faq-layout {
  display: grid;
  grid-template-columns: 0.8fr 1.4fr;
  align-items: start;
  gap: 45px;
}

/* Left Info Card */

.emi-faq-info {
  position: sticky;
  top: 110px;
  padding: 35px;
  border: 1px solid #dbeafe;
  border-radius: 22px;
  background: #ffffff;
  box-shadow: 0 15px 45px rgba(15, 23, 42, 0.05);
}

.emi-faq-info-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  margin-bottom: 25px;
  border-radius: 16px;
  background: #eff6ff;
  color: #2563eb;
  font-size: 27px;
}

.emi-faq-info h3 {
  margin: 0 0 15px;
  color: #0f172a;
  font-size: 25px;
  font-weight: 800;
  line-height: 1.35;
}

.emi-faq-info>p {
  margin: 0 0 25px;
  color: #64748b;
  font-size: 15px;
  line-height: 1.8;
}

.emi-faq-contact-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 15px 18px;
  border: 1px solid #2563eb;
  border-radius: 12px;
  background: #2563eb;
  color: #ffffff;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.5;
  text-align: center;
  text-decoration: none;
  transition: background 0.25s ease, transform 0.25s ease;
}

.emi-faq-contact-btn:hover {
  transform: translateY(-2px);
  background: #1d4ed8;
  color: #ffffff;
}

.emi-faq-contact-btn i {
  flex-shrink: 0;
  transition: transform 0.25s ease;
}

.emi-faq-contact-btn:hover i {
  transform: translateX(4px);
}

.emi-faq-trust-note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 25px;
  padding-top: 20px;
  border-top: 1px solid #e2e8f0;
  color: #64748b;
  font-size: 12px;
  line-height: 1.7;
}

.emi-faq-trust-note i {
  flex-shrink: 0;
  color: #16a34a;
  font-size: 17px;
}

/* FAQ Accordion */

.emi-faq-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.emi-faq-item {
  overflow: hidden;
  border: 1px solid #e2e8f0;
  border-radius: 15px;
  background: #ffffff;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}

.emi-faq-item:hover,
.emi-faq-item[open] {
  border-color: #bfdbfe;
  box-shadow: 0 8px 25px rgba(37, 99, 235, 0.06);
}

.emi-faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 24px;
  color: #0f172a;
  font-size: 15px;
  font-weight: 700;
  line-height: 1.6;
  list-style: none;
  cursor: pointer;
}

.emi-faq-item summary::-webkit-details-marker {
  display: none;
}

.emi-faq-item summary::marker {
  content: "";
}

.emi-faq-toggle {
  display: flex;
  flex-shrink: 0;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: #eff6ff;
  color: #2563eb;
  font-size: 15px;
  transition: background 0.25s ease, transform 0.25s ease;
}

.emi-faq-item[open] .emi-faq-toggle {
  transform: rotate(45deg);
  background: #2563eb;
  color: #ffffff;
}

.emi-faq-answer {
  padding: 0 24px 23px;
  animation: emi-faq-reveal 0.25s ease;
}

.emi-faq-answer p {
  margin: 0;
  padding-top: 16px;
  border-top: 1px solid #f1f5f9;
  color: #64748b;
  font-size: 14px;
  line-height: 1.9;
}

@keyframes emi-faq-reveal {
  from {
    opacity: 0;
    transform: translateY(-5px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Tablet */

@media (max-width: 991.98px) {
  .emi-faq-section {
    padding: 80px 0;
  }

  .emi-faq-layout {
    grid-template-columns: 1fr;
    gap: 35px;
  }

  .emi-faq-info {
    position: static;
  }

  .emi-faq-heading {
    margin-bottom: 40px;
  }
}

/* Mobile */

@media (max-width: 575.98px) {
  .emi-faq-section {
    padding: 65px 0;
  }

  .emi-faq-heading {
    margin-bottom: 30px;
  }

  .emi-faq-heading>p {
    font-size: 14px;
  }

  .emi-faq-info {
    padding: 25px;
    border-radius: 18px;
  }

  .emi-faq-info h3 {
    font-size: 22px;
  }

  .emi-faq-item summary {
    gap: 12px;
    padding: 18px;
    font-size: 14px;
  }

  .emi-faq-toggle {
    width: 29px;
    height: 29px;
  }

  .emi-faq-answer {
    padding: 0 18px 18px;
  }

  .emi-faq-answer p {
    font-size: 13px;
  }
}

/* Reduced Motion Accessibility */

@media (prefers-reduced-motion: reduce) {

  .emi-faq-section *,
  .emi-faq-section *::before,
  .emi-faq-section *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* =========================
   SECTION 09: FINAL CTA
========================= */

.emi-cta-section {
  position: relative;
  overflow: hidden;
  padding: 90px 0;
  background: #ffffff;
  scroll-margin-top: 90px;
}

.emi-cta-card {
  position: relative;
  overflow: hidden;
  padding: 75px 35px;
  border-radius: 28px;
  background: linear-gradient(135deg, #1d4ed8 0%, #2563eb 55%, #3b82f6 100%);
  box-shadow: 0 25px 70px rgba(37, 99, 235, 0.2);
  text-align: center;
}

/* Decorative Circles */

.emi-cta-decoration {
  position: absolute;
  z-index: 0;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 50%;
  pointer-events: none;
}

.emi-cta-decoration-one {
  top: -170px;
  right: -100px;
  width: 420px;
  height: 420px;
}

.emi-cta-decoration-two {
  bottom: -230px;
  left: -100px;
  width: 500px;
  height: 500px;
}

/* Content */

.emi-cta-content {
  position: relative;
  z-index: 1;
  max-width: 850px;
  margin: 0 auto;
}

.emi-cta-label {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  margin-bottom: 24px;
  padding: 9px 16px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 30px;
  background: rgba(255, 255, 255, 0.1);
  color: #ffffff;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1.2px;
}

.emi-cta-label i {
  font-size: 16px;
}

.emi-cta-content h2 {
  max-width: 800px;
  margin: 0 auto 22px;
  color: #ffffff;
  font-size: clamp(32px, 4.5vw, 52px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1.2px;
}

.emi-cta-content h2 span {
  display: block;
  margin-top: 8px;
  color: #dbeafe;
}

.emi-cta-description {
  max-width: 680px;
  margin: 0 auto;
  color: rgba(255, 255, 255, 0.88);
  font-size: 16px;
  line-height: 1.9;
}

/* Buttons */

.emi-cta-buttons {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 15px;
  margin-top: 35px;
}

.emi-cta-primary,
.emi-cta-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 54px;
  padding: 15px 24px;
  border: 1px solid transparent;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.5;
  text-decoration: none;
  transition:
    transform 0.25s ease,
    background 0.25s ease,
    box-shadow 0.25s ease;
}

.emi-cta-primary {
  background: #ffffff;
  color: #1d4ed8;
  box-shadow: 0 8px 20px rgba(15, 23, 42, 0.12);
}

.emi-cta-primary:hover {
  transform: translateY(-3px);
  background: #eff6ff;
  color: #1d4ed8;
  box-shadow: 0 12px 25px rgba(15, 23, 42, 0.16);
}

.emi-cta-primary i {
  font-size: 19px;
}

.emi-cta-secondary {
  border-color: rgba(255, 255, 255, 0.5);
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
}

.emi-cta-secondary:hover {
  transform: translateY(-3px);
  border-color: #ffffff;
  background: rgba(255, 255, 255, 0.16);
  color: #ffffff;
}

.emi-cta-secondary i {
  transition: transform 0.25s ease;
}

.emi-cta-secondary:hover i {
  transform: translate(2px, -2px);
}

/* Trust Points */

.emi-cta-trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 15px 28px;
  margin-top: 35px;
}

.emi-cta-trust-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #ffffff;
  font-size: 13px;
  font-weight: 600;
}

.emi-cta-trust-item i {
  color: #bfdbfe;
  font-size: 16px;
}

.emi-cta-note {
  margin: 30px 0 0;
  color: rgba(255, 255, 255, 0.75);
  font-size: 12px;
  line-height: 1.8;
}

/* Tablet */

@media (max-width: 767.98px) {
  .emi-cta-section {
    padding: 70px 0;
  }

  .emi-cta-card {
    padding: 60px 28px;
    border-radius: 23px;
  }

  .emi-cta-content h2 {
    letter-spacing: -0.6px;
  }

  .emi-cta-description {
    font-size: 15px;
  }

  .emi-cta-trust {
    gap: 15px 20px;
  }
}

/* Mobile */

@media (max-width: 575.98px) {
  .emi-cta-section {
    padding: 55px 0;
  }

  .emi-cta-card {
    padding: 45px 20px;
    border-radius: 20px;
  }

  .emi-cta-label {
    gap: 7px;
    padding: 8px 12px;
    font-size: 10px;
    letter-spacing: 0.8px;
  }

  .emi-cta-content h2 {
    font-size: 32px;
    line-height: 1.25;
  }

  .emi-cta-description {
    font-size: 14px;
    line-height: 1.8;
  }

  .emi-cta-buttons {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
    margin-top: 28px;
  }

  .emi-cta-primary,
  .emi-cta-secondary {
    width: 100%;
    padding: 14px 16px;
  }

  .emi-cta-trust {
    flex-direction: column;
    align-items: flex-start;
    gap: 13px;
    width: fit-content;
    margin: 30px auto 0;
  }

  .emi-cta-note {
    margin-top: 25px;
    font-size: 11px;
  }
}

/* Reduced Motion Accessibility */

@media (prefers-reduced-motion: reduce) {

  .emi-cta-section *,
  .emi-cta-section *::before,
  .emi-cta-section *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* =========================
   SECTION 10: FOOTER
========================= */

.emi-footer {
  padding: 75px 0 0;
  background: #0f172a;
  color: #cbd5e1;
}

/* Main Footer Layout */

.emi-footer-main {
  display: grid;
  grid-template-columns: 1.5fr 0.8fr 0.8fr 1.1fr;
  gap: 45px;
  padding-bottom: 55px;
}

/* Brand */

.emi-footer-brand {
  max-width: 340px;
}

.emi-footer-logo {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  margin-bottom: 22px;
  color: #ffffff;
  font-size: 25px;
  font-weight: 800;
  text-decoration: none;
  letter-spacing: -0.7px;
}

.emi-footer-logo:hover {
  color: #ffffff;
}

.emi-footer-logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 43px;
  height: 43px;
  border-radius: 12px;
  background: #2563eb;
  color: #ffffff;
  font-size: 22px;
}

.emi-footer-logo-dot {
  color: #60a5fa;
}

.emi-footer-description {
  margin: 0 0 22px;
  color: #94a3b8;
  font-size: 14px;
  line-height: 1.9;
}

.emi-footer-contact-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: #93c5fd;
  font-size: 13px;
  font-weight: 700;
  line-height: 1.7;
  text-decoration: none;
  transition: color 0.25s ease;
}

.emi-footer-contact-link:hover {
  color: #ffffff;
}

.emi-footer-contact-link>i:first-child {
  font-size: 18px;
}

/* Footer Columns */

.emi-footer-column h3 {
  margin: 7px 0 24px;
  color: #ffffff;
  font-size: 15px;
  font-weight: 800;
}

.emi-footer-column ul {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.emi-footer-column ul li a,
.emi-footer-legal-link {
  color: #94a3b8;
  font-size: 13px;
  line-height: 1.7;
  text-decoration: none;
  transition: color 0.25s ease, padding-left 0.25s ease;
}

.emi-footer-column ul li a:hover {
  padding-left: 4px;
  color: #ffffff;
}

/* Contact Column */

.emi-footer-contact>p {
  margin: 0 0 20px;
  color: #94a3b8;
  font-size: 13px;
  line-height: 1.9;
}

.emi-footer-quote-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 18px;
  border: 1px solid #2563eb;
  border-radius: 10px;
  background: #2563eb;
  color: #ffffff;
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  transition: background 0.25s ease, transform 0.25s ease;
}

.emi-footer-quote-btn:hover {
  transform: translateY(-2px);
  background: #1d4ed8;
  color: #ffffff;
}

.emi-footer-legal-link {
  display: flex;
  align-items: center;
  gap: 8px;
  width: fit-content;
  margin-top: 20px;
}

.emi-footer-legal-link:hover {
  color: #ffffff;
}

/* Bottom Bar */

.emi-footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 25px 0;
  border-top: 1px solid #273449;
}

.emi-footer-bottom>p {
  margin: 0;
  color: #94a3b8;
  font-size: 12px;
  line-height: 1.8;
}

.emi-footer-disclaimer {
  max-width: 390px;
  text-align: center;
}

.emi-footer-back-top {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  flex-shrink: 0;
  color: #cbd5e1;
  font-size: 12px;
  font-weight: 700;
  text-decoration: none;
  transition: color 0.25s ease;
}

.emi-footer-back-top:hover {
  color: #ffffff;
}

.emi-footer-back-top i {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border: 1px solid #334155;
  border-radius: 50%;
  transition: background 0.25s ease;
}

.emi-footer-back-top:hover i {
  background: #2563eb;
}

/* Tablet */

@media (max-width: 991.98px) {
  .emi-footer {
    padding-top: 60px;
  }

  .emi-footer-main {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 40px;
  }

  .emi-footer-brand {
    max-width: 400px;
  }

  .emi-footer-bottom {
    flex-wrap: wrap;
  }

  .emi-footer-disclaimer {
    order: 3;
    max-width: none;
    width: 100%;
    text-align: left;
  }
}

/* Mobile */

@media (max-width: 575.98px) {
  .emi-footer {
    padding-top: 45px;
  }

  .emi-footer-main {
    grid-template-columns: 1fr;
    gap: 35px;
    padding-bottom: 40px;
  }

  .emi-footer-brand {
    max-width: none;
  }

  .emi-footer-logo {
    font-size: 23px;
  }

  .emi-footer-column h3 {
    margin-bottom: 18px;
  }

  .emi-footer-column ul {
    gap: 12px;
  }

  .emi-footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 15px;
    padding: 22px 0;
  }

  .emi-footer-disclaimer {
    order: initial;
    width: auto;
    text-align: left;
  }
}

/* Reduced Motion Accessibility */

@media (prefers-reduced-motion: reduce) {

  .emi-footer *,
  .emi-footer *::before,
  .emi-footer *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* ===========================
   FLOATING WHATSAPP BUTTON
=========================== */

.whatsapp-float {
  position: fixed;
  bottom: 25px;
  right: 25px;
  width: 65px;
  height: 65px;
  background: #25D366;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  font-size: 32px;
  z-index: 9999;
  box-shadow: 0 8px 25px rgba(37, 211, 102, .4);
  animation: whatsappPulse 2s infinite;
}

.whatsapp-float:hover {
  color: #fff;
  transform: scale(1.08);
}

@keyframes whatsappPulse {

  0% {
    box-shadow: 0 0 0 0 rgba(37, 211, 102, .6);
  }

  70% {
    box-shadow: 0 0 0 18px rgba(37, 211, 102, 0);
  }

  100% {
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0);
  }

}

@media(max-width:768px) {

  .whatsapp-float {
    width: 60px;
    height: 60px;
    font-size: 28px;
    right: 18px;
    bottom: 18px;
  }

}