/* =========================================================
   MyWealthCare — Premium Theme  v5.1
   business-home.css

   TYPE SCALE (consistent across entire page)
   ─────────────────────────────────────────
   Hero H1          : clamp(28px, 3.2vw, 44px)
   Section H2       : clamp(22px, 2.6vw, 32px)
   Card H3          : 17px
   Card H4 / labels : 14px
   Body / desc      : 15px
   Small / meta     : 13px
   Micro / caps     : 11–12px

   CHANGELOG v4.0 → v5.1
   Functional fixes only — no colour, size or spacing changes.
   ─ Added .mw-hp rule so the honeypot anti-spam field is hidden.
   ─ Added .mw-loan-hint hook for the JS-injected amount hint,
     with :empty collapsing so blank states leave no gap.
   ─ Added .mw-error:empty collapsing for the same reason.
   ─ Restored padding-bottom on .mw-mobile-home so the fixed
     mobile bottom bar stops covering the last section.
   ─ .mw-form-row-2 goes two-column from 992px up. The markup was
     always built for pairs but the rule only set one column.
   ─ Right padding on the mobile input so the JS "0 / 10" counter
     doesn't sit on top of typed digits.
========================================================= */

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; }

body {
    font-family: 'Inter', 'Segoe UI', sans-serif;
    font-size: 15px;
    line-height: 1.65;
    background: #f0f4f8;
    color: #0a1628;
    -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; }

.mw-mobile-home {
    overflow-x: hidden;
    /* Clears the fixed mobile bottom bar (48px + padding). Without
       this the last section sits underneath it and can't be read. */
    padding-bottom: 92px;
}
@media (min-width: 768px) {
    .mw-mobile-home { padding-bottom: 0; }
}

.container {
    width: min(1180px, calc(100% - 40px));
    margin: 0 auto;
}

/* ─────────────────────────────────────────
   TRUST BAR
───────────────────────────────────────── */
.mw-trust-bar {
    background: #05194a;
    border-bottom: 1px solid rgba(255,255,255,.07);
}

.mw-trust-scroll {
    width: min(1180px, calc(100% - 24px));
    margin: 0 auto;
    padding: 10px 0;
    display: flex;
    align-items: center;
    gap: 20px;
    overflow-x: auto;
    white-space: nowrap;
    scrollbar-width: none;
    font-size: 12px;          /* micro — trust strip */
    font-weight: 600;
    color: rgba(255,255,255,.8);
    letter-spacing: .01em;
}
.mw-trust-scroll::-webkit-scrollbar { display: none; }

.mw-trust-scroll span {
    display: flex;
    align-items: center;
    gap: 7px;
}
.mw-trust-scroll span:not(.mw-trust-bar-sep)::before {
    content: '';
    width: 6px; height: 6px;
    background: #22d37a;
    border-radius: 50%;
    box-shadow: 0 0 0 3px rgba(34,211,122,.22);
    flex-shrink: 0;
}
.mw-trust-bar-sep { opacity: .25; font-size: 14px; }
.mw-trust-scroll i { color: #22d37a; font-size: 12px; }

/* ─────────────────────────────────────────
   HERO — 50 / 50  left | right
───────────────────────────────────────── */
.mw-hero-new {
    position: relative;
    overflow: hidden;
    padding: 60px 0 0;
    background:
        radial-gradient(ellipse 55% 75% at 80% 8%,  rgba(96,165,250,.20) 0%, transparent 60%),
        radial-gradient(ellipse 35% 45% at 10% 85%, rgba(251,191,36,.12) 0%, transparent 55%),
        linear-gradient(158deg, #021035 0%, #09206a 42%, #0c2e8f 68%, #071a5e 100%);
    color: #fff;
}

/* subtle grid overlay */
.mw-hero-new::before {
    content: '';
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.030) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.030) 1px, transparent 1px);
    background-size: 56px 56px;
    pointer-events: none;
}

/* ambient gold orb */
.mw-hero-new::after {
    content: '';
    position: absolute;
    width: 560px; height: 560px;
    right: -180px; top: -160px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(251,191,36,.16) 0%, rgba(251,191,36,.04) 50%, transparent 68%);
    pointer-events: none;
}

/* ── 50/50 grid ── */
.mw-hero-new-wrap {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;   /* true 50 / 50 */
    gap: 48px;
    align-items: start;
}

/* ── LEFT column ── */
.mw-hero-new-content {
    padding-top: 8px;
    padding-bottom: 56px;
    display: flex;
    flex-direction: column;
}

/* Badge pill */
.mw-hero-badge-new {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,.93);
    color: #0a2070;
    font-size: 11px;              /* micro */
    font-weight: 800;
    letter-spacing: .07em;
    text-transform: uppercase;
    padding: 8px 15px;
    border-radius: 999px;
    margin-bottom: 20px;
    box-shadow: 0 8px 24px rgba(0,0,0,.18);
    width: fit-content;
}
.mw-hero-badge-new i { color: #f59e0b; font-size: 11px; }

/* H1 */
.mw-hero-new h1 {
    font-size: clamp(28px, 3.2vw, 44px);   /* hero headline */
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -1.2px;
    margin: 0 0 16px;
    color: #fff;
}
.mw-hero-new h1 span {
    color: #fbbf24;
    display: inline;
}

/* Sub-headline */
.mw-hero-new > .container .mw-hero-new-content > p,
.mw-hero-new-content > p {
    font-size: 15px;               /* body */
    line-height: 1.72;
    color: rgba(255,255,255,.72);
    margin: 0 0 28px;
}

/* CTA row.
   .mw-apply-btn and .mw-whatsapp-btn are styled in common.css —
   only their responsive sizing is overridden further down. */
.mw-hero-actions-new {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 28px;
    align-items: center;
}

/* Rate cards — LEFT col, below CTAs */
.mw-rate-grid-new {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin-top: 4px;
}

.mw-rate-card-new {
    display: block;
    background: rgba(255,255,255,.10);
    border: 1px solid rgba(255,255,255,.18);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-radius: 16px;
    padding: 16px 12px;
    transition: transform .2s, background .2s;
}
.mw-rate-card-new:hover {
    transform: translateY(-3px);
    background: rgba(255,255,255,.16);
    border-color: rgba(255,255,255,.28);
}

.mw-rate-icon {
    width: 38px; height: 38px;
    border-radius: 50%;
    background: rgba(255,255,255,.92);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    margin-bottom: 9px;
}
.mw-rate-icon.blue  { color: #2563eb; }
.mw-rate-icon.green { color: #16a34a; }
.mw-rate-icon.orange{ color: #ea580c; }

.mw-rate-card-new strong {
    display: block;
    font-size: 20px;               /* rate number */
    font-weight: 800;
    color: #fff;
    margin-bottom: 3px;
    line-height: 1;
}
.mw-rate-card-new small {
    font-size: 11px;               /* micro label */
    color: rgba(255,255,255,.65);
    font-weight: 600;
}

/* ── RIGHT column — form only, 50% ── */
.mw-hero-form-col {
    position: relative;
    z-index: 3;
    padding-top: 0;
    padding-bottom: 48px;
    align-self: start;

    /* When jumped to via #callbackForm (Apply Now etc.), keep the form
       clear of the sticky header. Height matches .site-header (70px)
       + breathing room. Adjusted per breakpoint below. */
    scroll-margin-top: 90px;
}

/* ─────────────────────────────────────────
   LEAD / CALLBACK FORM  (height-optimized)
───────────────────────────────────────── */
.mw-lead-form-new {
    background: #fff;
    border-radius: 20px;
    padding: 12px 16px 10px;
    box-shadow:
        0 4px 6px rgba(0,0,0,.04),
        0 20px 52px rgba(3,16,58,.26),
        0 0 0 1px rgba(255,255,255,.06);

    /* The id now sits on the <form>, so it's the anchor target */
    scroll-margin-top: 90px;
}

.mw-lead-form-new h3 {
    font-size: 18px;
    font-weight: 700;
    color: #071b46;
    margin: 0;
    letter-spacing: -.2px;
}

.mw-lead-form-sub {
    font-size: 12px;
    color: #94a3b8;
    margin: 0 0 8px;
    line-height: 1.4;
}
.mw-lead-form-sub::before {
    content: '●';
    color: #22c55e;
    margin-right: 5px;
    font-size: 8px;
    vertical-align: 1px;
}

/* ── Honeypot — hidden from people, visible to bots ──
   Positioned off-screen rather than display:none, which some
   bots detect and skip. aria-hidden + tabindex="-1" in the
   markup keep it away from screen readers and keyboards. */
.mw-hp {
    position: absolute;
    left: -9999px;
    top: auto;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.mw-form-alert {
    display: none;
    padding: 10px 13px;
    border-radius: 8px;
    margin-bottom: 8px;
    font-size: 13px;
    font-weight: 700;
    line-height: 1.45;
}
.mw-form-alert.success {
    display: block;
    background: #ecfdf5; color: #065f46; border: 1px solid #6ee7b7;
}
.mw-form-alert.error {
    display: block;
    background: #fef2f2; color: #991b1b; border: 1px solid #fca5a5;
}

/* single column — no 2-col grid */
.mw-form-row { display: contents; }

.mw-form-group { margin-bottom: 6px; }

/* label above each field */
.mw-form-group label,
.mw-lead-form-new label {
    display: block;
    font-size: 11.5px;
    font-weight: 600;
    color: #475569;
    margin-bottom: 2px;
    letter-spacing: .03em;
}

.mw-optional {
    font-size: 11px;
    font-weight: 500;
    color: #94a3b8;
}

.mw-lead-form-new input,
.mw-lead-form-new select,
.mw-lead-form-new textarea {
    width: 100%;
    border: 1.5px solid #e2e8f0;
    background: #fff;
    border-radius: 8px;
    padding: 7px 10px;
    font-family: inherit;
    font-size: 13.5px;
    color: #0a1628;
    outline: none;
    transition: border-color .2s, box-shadow .2s;
    -webkit-appearance: none;
    appearance: none;
}
.mw-lead-form-new input::placeholder,
.mw-lead-form-new textarea::placeholder { color: #b0bec5; }

/* JS wraps the mobile input in a relative div for the "0 / 10"
   counter badge. Right padding keeps the badge off typed digits. */
.mw-lead-form-new input[name="mobile"] { padding-right: 46px; }

/* Message textarea — compact, vertical resize */
.mw-lead-form-new textarea {
    resize: vertical;
    min-height: 32px;
    line-height: 1.5;
}

.mw-lead-form-new input:focus,
.mw-lead-form-new select:focus,
.mw-lead-form-new textarea:focus {
    border-color: #2563eb;
    box-shadow: 0 0 0 3px rgba(37,99,235,.10);
}

.mw-lead-form-new select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 36px;
}

.mw-lead-form-new input.mw-invalid,
.mw-lead-form-new select.mw-invalid,
.mw-lead-form-new textarea.mw-invalid {
    border-color: #ef4444;
    background: #fff5f5;
    box-shadow: 0 0 0 3px rgba(239,68,68,.08);
}

.mw-field-hint {
    font-size: 11px;
    color: #94a3b8;
    margin-top: 5px;
}

/* JS-injected loan amount confirmation ("₹ 25,00,000").
   It only ever shows the positive state — every error message
   belongs to .mw-error below, so nothing appears twice. */
.mw-loan-hint {
    display: block;
    font-size: 10px;
    font-weight: 600;
    margin-top: 3px;
    color: #94a3b8;
    line-height: 1.4;
}
.mw-loan-hint:empty { display: none; }

/* The single source of error text for every field */
.mw-error {
    display: block;
    min-height: 0;
    margin-top: 1px;
    color: #ef4444;
    font-size: 11px;
    font-weight: 600;
}
.mw-error:empty { display: none; }

/* Submit button — flat solid blue matching file 1 */
.mw-lead-form-new button[type=submit],
.mw-lead-form-new button#submitBtn,
.mw-lead-form-new button#ctaSubmitBtn {
    width: 100%;
    border: none;
    min-height: 38px;
    border-radius: 8px;
    background: #2563eb;
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-top: 2px;
    transition: background .2s, transform .2s, box-shadow .2s;
    font-family: inherit;
}
.mw-lead-form-new button[type=submit]:hover,
.mw-lead-form-new button#submitBtn:hover,
.mw-lead-form-new button#ctaSubmitBtn:hover {
    background: #1d4ed8;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(37,99,235,.30);
}
.mw-lead-form-new button:disabled {
    opacity: .72;
    cursor: not-allowed;
    transform: none !important;
}

.mw-form-note {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 5px;
    font-size: 11px;
    color: #94a3b8;
    text-align: center;
    margin-top: 4px;
}
.mw-form-note i { color: #22c55e; font-size: 10px; }

/* ─────────────────────────────────────────
   FLOATING WHATSAPP
───────────────────────────────────────── */
.mw-float-wa {
    position: fixed;
    bottom: 100px; right: 24px;
    z-index: 8888;
    width: 56px; height: 56px;
    background: linear-gradient(135deg, #22c55e, #16a34a);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 25px;
    box-shadow: 0 6px 24px rgba(34,197,94,.45), 0 2px 8px rgba(0,0,0,.16);
    text-decoration: none;
    transition: transform .2s ease, box-shadow .2s ease;
}
.mw-float-wa::before {
    content: '';
    position: absolute; inset: -6px;
    border-radius: 50%;
    background: rgba(34,197,94,.20);
    animation: wa-ring 2s ease-out infinite;
}
.mw-float-wa::after {
    content: '';
    position: absolute; inset: -12px;
    border-radius: 50%;
    background: rgba(34,197,94,.08);
    animation: wa-ring 2s ease-out infinite .5s;
}
.mw-float-wa:hover {
    transform: scale(1.12);
    box-shadow: 0 10px 32px rgba(34,197,94,.55), 0 4px 12px rgba(0,0,0,.18);
}
@keyframes wa-ring {
    0%   { transform: scale(1);   opacity: 1; }
    100% { transform: scale(1.5); opacity: 0; }
}
@media (max-width: 767px) {
    .mw-float-wa { bottom: 110px; right: 16px; width: 50px; height: 50px; font-size: 22px; }
}

/* ─────────────────────────────────────────
   SECTION COMMONS
───────────────────────────────────────── */
.mw-section-new { padding: 72px 0; }

.mw-section-heading-new {
    max-width: 640px;
    margin-bottom: 40px;
}

.mw-section-label-new {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;               /* micro caps */
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #2563eb;
    margin-bottom: 10px;
}
.mw-section-label-new::before {
    content: '';
    display: inline-block;
    width: 16px; height: 3px;
    background: #2563eb;
    border-radius: 2px;
}
.mw-section-label-new.light { color: #fbbf24; }
.mw-section-label-new.light::before { background: #fbbf24; }

/* Section H2 */
.mw-section-heading-new h2,
.mw-emi-content-new h2,
.mw-cta-content-new h2 {
    font-size: clamp(22px, 2.6vw, 32px);   /* section heading */
    font-weight: 800;
    color: #071b46;
    line-height: 1.18;
    letter-spacing: -.5px;
    margin: 0 0 12px;
}

/* Section body text */
.mw-section-heading-new p,
.mw-emi-content-new p,
.mw-cta-content-new p {
    font-size: 15px;               /* body */
    line-height: 1.70;
    color: #64748b;
    margin: 0;
}

/* ─────────────────────────────────────────
   SERVICE CARDS
───────────────────────────────────────── */
.mw-services-grid-new {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
}

.mw-service-card-new {
    position: relative;
    background: #fff;
    border-radius: 20px;
    padding: 24px 20px;
    min-height: 210px;
    border: 1px solid #e8eef8;
    overflow: hidden;
    color: inherit;
    display: block;
    transition: transform .25s, box-shadow .25s, border-color .25s;
    box-shadow: 0 2px 8px rgba(10,30,80,.05), 0 8px 24px rgba(10,30,80,.06);
}
.mw-service-card-new:hover {
    transform: translateY(-5px);
    box-shadow: 0 4px 12px rgba(10,30,80,.07), 0 20px 44px rgba(10,30,80,.11);
    border-color: #cbd5e1;
}

/* hover top stripe */
.mw-service-card-new::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, #2563eb, #60a5fa);
    border-radius: 20px 20px 0 0;
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}
.mw-service-card-new:hover::before { transform: scaleX(1); }
.mw-service-card-new.green::before  { background: linear-gradient(90deg, #16a34a, #4ade80); }
.mw-service-card-new.purple::before { background: linear-gradient(90deg, #7c3aed, #a78bfa); }
.mw-service-card-new.orange::before { background: linear-gradient(90deg, #ea580c, #fb923c); }

.mw-service-icon-new {
    width: 52px; height: 52px;
    border-radius: 14px;
    background: #eff6ff;
    color: #2563eb;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 16px;
    transition: transform .2s;
}
.mw-service-card-new:hover .mw-service-icon-new { transform: scale(1.08); }
.mw-service-card-new.green .mw-service-icon-new  { background: #f0fdf4; color: #16a34a; }
.mw-service-card-new.purple .mw-service-icon-new { background: #f5f3ff; color: #7c3aed; }
.mw-service-card-new.orange .mw-service-icon-new { background: #fff7ed; color: #ea580c; }

.mw-service-card-new h3 {
    font-size: 15px;               /* card title */
    font-weight: 800;
    color: #071b46;
    margin: 0 0 7px;
}

.mw-service-card-new p {
    font-size: 13px;               /* small */
    line-height: 1.58;
    color: #64748b;
    margin: 0;
    padding-right: 12px;
}

.mw-service-arrow-new {
    position: absolute;
    right: 16px; bottom: 16px;
    width: 32px; height: 32px;
    border-radius: 50%;
    background: #eff6ff;
    color: #2563eb;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    transition: background .2s, transform .2s, color .2s;
}
.mw-service-card-new:hover .mw-service-arrow-new {
    background: #2563eb;
    color: #fff;
    transform: translate(2px, -2px);
}

/* ─────────────────────────────────────────
   WHY CHOOSE
───────────────────────────────────────── */
.mw-why-section-new { padding-top: 0; padding-bottom: 72px; }

.mw-why-box-new {
    background: linear-gradient(140deg, #071b46 0%, #0a2a6e 100%);
    border-radius: 24px;
    padding: 40px 36px;
    box-shadow: 0 20px 56px rgba(7,27,70,.24);
    position: relative;
    overflow: hidden;
}
.mw-why-box-new::before {
    content: '';
    position: absolute;
    width: 380px; height: 380px;
    right: -110px; top: -130px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(251,191,36,.12) 0%, transparent 65%);
}

.mw-why-title-new {
    text-align: center;
    font-size: 12px;               /* micro caps */
    font-weight: 800;
    color: #fbbf24;
    text-transform: uppercase;
    letter-spacing: .10em;
    margin-bottom: 28px;
    position: relative;
}

.mw-why-grid-new {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    position: relative;
    z-index: 1;
}

.mw-why-item-new {
    text-align: center;
    padding: 24px 12px;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.10);
    border-radius: 18px;
    backdrop-filter: blur(8px);
    transition: background .2s, transform .2s;
}
.mw-why-item-new:hover { background: rgba(255,255,255,.12); transform: translateY(-4px); }

.mw-why-item-new i {
    width: 48px; height: 48px;
    border-radius: 50%;
    background: rgba(251,191,36,.14);
    color: #fbbf24;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
    margin-bottom: 12px;
    border: 1px solid rgba(251,191,36,.22);
}

.mw-why-item-new h4 {
    font-size: 13px;               /* small — inside dark card */
    font-weight: 700;
    color: #fff;
    margin: 0;
    line-height: 1.4;
}

/* ─────────────────────────────────────────
   BANK PARTNERS
───────────────────────────────────────── */
.mw-bank-section-new { padding: 0 0 72px; }

.mw-bank-box-new {
    background: #fff;
    border-radius: 22px;
    padding: 32px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04), 0 10px 28px rgba(10,30,80,.07);
    border: 1px solid #e8eef8;
}
.mw-bank-box-new h3 {
    font-size: 17px;               /* card H3 */
    font-weight: 800;
    color: #071b46;
    margin: 0 0 20px;
    text-align: center;
    letter-spacing: -.2px;
}
.mw-bank-list-new {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 10px;
}
.mw-bank-name-new {
    background: #f8fafc;
    border-radius: 10px;
    padding: 12px 6px;
    text-align: center;
    font-size: 12px;               /* small */
    font-weight: 800;
    color: #334155;
    border: 1px solid #e2e8f0;
    transition: all .2s;
}
.mw-bank-name-new:hover {
    background: #eff6ff;
    border-color: #93c5fd;
    color: #1d4ed8;
    transform: translateY(-2px);
    box-shadow: 0 4px 10px rgba(37,99,235,.1);
}

/* ─────────────────────────────────────────
   EMI CALCULATOR
───────────────────────────────────────── */
.mw-emi-section-new {
    background: #fff;
    border-top: 1px solid #f1f5f9;
    border-bottom: 1px solid #f1f5f9;
}

.mw-emi-wrap-new {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 52px;
    align-items: center;
}

.mw-feature-tags-new {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    margin-top: 22px;
}
.mw-feature-tags-new span {
    background: #eff6ff;
    color: #1d4ed8;
    border-radius: 999px;
    padding: 8px 14px;
    font-size: 12px;               /* small */
    font-weight: 700;
    border: 1px solid #bfdbfe;
}

.mw-emi-card-new {
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 22px;
    padding: 28px;
    box-shadow: 0 6px 28px rgba(10,30,80,.07);
}
.mw-emi-card-new h3 {
    font-size: 17px;               /* card H3 */
    font-weight: 800;
    color: #071b46;
    margin: 0 0 22px;
    letter-spacing: -.2px;
}

/* slider label rows */
.mw-emi-card-new label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 11px;               /* micro caps */
    font-weight: 700;
    color: #475569;
    letter-spacing: .05em;
    text-transform: uppercase;
    margin: 16px 0 7px;
}
.mw-emi-card-new label:first-of-type { margin-top: 0; }

.mw-range-value-new {
    font-size: 13px;               /* small — current value */
    font-weight: 800;
    color: #2563eb;
}

input[type=range] {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 4px;
    border-radius: 3px;
    background: #e2e8f0;
    outline: none;
}
input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px; height: 18px;
    border-radius: 50%;
    background: #2563eb;
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(37,99,235,.4);
}
input[type=range]::-moz-range-thumb {
    width: 18px; height: 18px;
    border-radius: 50%;
    background: #2563eb;
    border: none;
    cursor: pointer;
}

.mw-emi-result-new {
    margin-top: 20px;
    background: linear-gradient(135deg, #071b46 0%, #0a2a6e 100%);
    border-radius: 14px;
    color: #fff;
    padding: 20px 18px;
    position: relative;
    overflow: hidden;
}
.mw-emi-result-new::before {
    content: '';
    position: absolute;
    width: 140px; height: 140px;
    right: -36px; bottom: -36px;
    border-radius: 50%;
    background: rgba(251,191,36,.10);
}
.mw-emi-result-new span {
    display: block;
    font-size: 11px;               /* micro */
    font-weight: 600;
    color: rgba(255,255,255,.55);
    text-transform: uppercase;
    letter-spacing: .07em;
    margin-bottom: 5px;
}
.mw-emi-result-new strong {
    font-size: 32px;               /* big number */
    font-weight: 800;
    color: #fff;
    letter-spacing: -.8px;
}

/* ─────────────────────────────────────────
   PROCESS
───────────────────────────────────────── */
.mw-process-grid-new {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
    position: relative;
}
.mw-process-grid-new::before {
    content: '';
    position: absolute;
    top: 50px;
    left: calc(12.5% + 12px);
    right: calc(12.5% + 12px);
    height: 2px;
    background: linear-gradient(90deg, #bfdbfe 0%, #93c5fd 50%, #bfdbfe 100%);
    z-index: 0;
}

.mw-process-card-new {
    background: #fff;
    border: 1px solid #e8eef8;
    border-radius: 20px;
    padding: 24px 18px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04), 0 10px 22px rgba(10,30,80,.06);
    position: relative;
    z-index: 1;
    transition: transform .2s, box-shadow .2s;
}
.mw-process-card-new:hover {
    transform: translateY(-4px);
    box-shadow: 0 6px 14px rgba(10,30,80,.07), 0 18px 36px rgba(10,30,80,.10);
}
.mw-process-card-new span {
    width: 48px; height: 48px;
    border-radius: 14px;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    color: #fff;
    font-size: 14px;               /* step number */
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    box-shadow: 0 5px 14px rgba(37,99,235,.28);
}
.mw-process-card-new h3 {
    font-size: 15px;               /* card title */
    font-weight: 800;
    color: #071b46;
    margin: 0 0 8px;
}
.mw-process-card-new p {
    font-size: 13px;               /* small */
    color: #64748b;
    line-height: 1.58;
    margin: 0;
}

/* ─────────────────────────────────────────
   TESTIMONIALS
───────────────────────────────────────── */
.mw-testi-section {
    padding: 72px 0;
    background: #f8fafc;
    border-top: 1px solid #e8eef8;
    border-bottom: 1px solid #e8eef8;
}

.mw-testi-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
}

.mw-testi-card {
    background: #fff;
    border: 1px solid #e8eef8;
    border-radius: 18px;
    padding: 24px 22px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04);
    transition: transform .2s, box-shadow .2s;
}
.mw-testi-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 22px rgba(10,30,80,.09);
}
.mw-testi-stars {
    color: #f59e0b;
    font-size: 14px;
    letter-spacing: 2px;
    margin-bottom: 12px;
}
.mw-testi-card blockquote {
    font-size: 13.5px;             /* small-ish quote */
    line-height: 1.68;
    color: #334155;
    font-style: italic;
    margin: 0 0 18px;
}
.mw-testi-author { display: flex; align-items: center; gap: 10px; }
.mw-testi-avatar {
    width: 40px; height: 40px;
    border-radius: 50%;
    background: #eff6ff;
    color: #2563eb;
    font-size: 13px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.mw-testi-name {
    font-size: 13px;               /* small */
    font-weight: 700;
    color: #071b46;
}
.mw-testi-meta {
    font-size: 11.5px;             /* micro */
    color: #94a3b8;
    margin-top: 2px;
}

/* ─────────────────────────────────────────
   CTA SECTION
───────────────────────────────────────── */
.mw-cta-new {
    background:
        radial-gradient(ellipse 60% 80% at 5% 50%, rgba(37,99,235,.18) 0%, transparent 55%),
        linear-gradient(140deg, #02102e 0%, #071b55 55%, #04144a 100%);
    color: #fff;
    padding: 72px 0;
    position: relative;
    overflow: hidden;
}
.mw-cta-new::after {
    content: '';
    position: absolute;
    width: 480px; height: 480px;
    right: -80px; bottom: -200px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(251,191,36,.08) 0%, transparent 65%);
    pointer-events: none;
}
.mw-cta-wrap-new {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 52px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.mw-cta-content-new h2 { color: #fff; }
.mw-cta-content-new p  { color: rgba(255,255,255,.72); }

/* ── CTA form — same clean white card as hero form ── */
.mw-cta-wrap-new .mw-lead-form-new {
    background: #fff;
    border-radius: 16px;
    padding: 18px 18px 16px;
    box-shadow:
        0 4px 6px rgba(0,0,0,.06),
        0 20px 52px rgba(3,16,58,.32),
        0 0 0 1px rgba(255,255,255,.06);
    color: #0a1628;
}
.mw-cta-wrap-new .mw-lead-form-new h3        { color: #071b46; }
.mw-cta-wrap-new .mw-lead-form-new .mw-lead-form-sub { color: #94a3b8; }
.mw-cta-wrap-new .mw-lead-form-new input,
.mw-cta-wrap-new .mw-lead-form-new select,
.mw-cta-wrap-new .mw-lead-form-new textarea {
    background: #fff;
    border: 1.5px solid #e2e8f0;
    color: #0a1628;
}
.mw-cta-wrap-new .mw-lead-form-new input:focus,
.mw-cta-wrap-new .mw-lead-form-new select:focus,
.mw-cta-wrap-new .mw-lead-form-new textarea:focus {
    border-color: #2563eb;
    box-shadow: 0 0 0 3px rgba(37,99,235,.10);
}
.mw-cta-wrap-new .mw-lead-form-new .mw-form-group label,
.mw-cta-wrap-new .mw-lead-form-new label { color: #475569; }
.mw-cta-wrap-new .mw-lead-form-new .mw-form-note { color: #94a3b8; }
.mw-cta-wrap-new .mw-lead-form-new .mw-form-note i { color: #22c55e; }

.mw-cta-points-new {
    display: grid;
    gap: 10px;
    margin-top: 22px;
}
.mw-cta-points-new span {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;               /* body-ish */
    font-weight: 600;
    color: rgba(255,255,255,.88);
}
.mw-cta-points-new span i {
    width: 22px; height: 22px;
    border-radius: 50%;
    background: rgba(34,197,94,.20);
    color: #4ade80;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
    flex-shrink: 0;
}

/* ─────────────────────────────────────────
   MOBILE BOTTOM BAR
───────────────────────────────────────── */
.mw-bottom-cta-new {
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 9999;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    padding: 10px 14px 14px;
    display: grid;
    grid-template-columns: 1fr 1fr 1.2fr;
    gap: 9px;
    box-shadow: 0 -2px 18px rgba(7,27,70,.12);
    border-top: 1px solid rgba(226,232,240,.8);
}
.mw-bottom-cta-new a {
    height: 48px;
    border-radius: 13px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    font-size: 13px;               /* small */
    font-weight: 800;
    transition: transform .15s;
    text-decoration: none;
}
.mw-bottom-cta-new a:active { transform: scale(.96); }
.mw-bottom-cta-new .call    { border: 1.5px solid #2563eb; color: #2563eb; background: #fff; }
.mw-bottom-cta-new .whatsapp{ border: 1.5px solid #16a34a; color: #16a34a; background: #fff; }
.mw-bottom-cta-new .apply   {
    background: linear-gradient(135deg, #fbbf24, #f97316);
    color: #07142e;
    font-weight: 900;
    border: none;
    box-shadow: 0 4px 14px rgba(251,191,36,.35);
}

@media (min-width: 768px) {
    .mw-bottom-cta-new { display: none; }
    .mw-mobile-home    { padding-bottom: 0; }
}

/* ─────────────────────────────────────────
   RESPONSIVE
───────────────────────────────────────── */

/* Large tablet — keep 50/50, tighten gap */
@media (max-width: 1100px) {
    .mw-hero-new-wrap { grid-template-columns: 1fr 1fr; gap: 36px; }
}

/* Tablet — single column */
@media (max-width: 991px) {
    .mw-hero-new-wrap  { grid-template-columns: 1fr; gap: 24px; }
    .mw-hero-new-content { padding-bottom: 0; }
    .mw-hero-form-col    { padding-top: 0; padding-bottom: 0; scroll-margin-top: 90px; }
    .mw-rate-grid-new    { max-width: 100%; }

    .mw-services-grid-new,
    .mw-process-grid-new { grid-template-columns: repeat(2, 1fr); }
    .mw-process-grid-new::before { display: none; }
    .mw-why-grid-new     { grid-template-columns: repeat(2, 1fr); }
    .mw-bank-list-new    { grid-template-columns: repeat(3, 1fr); }
    .mw-emi-wrap-new,
    .mw-cta-wrap-new     { grid-template-columns: 1fr; gap: 32px; }
    .mw-testi-grid       { grid-template-columns: repeat(2, 1fr); }
}

/* Mobile */
@media (max-width: 767px) {
    .mw-hero-new       { padding: 36px 0 0; }
    .mw-hero-new h1    { font-size: 27px; letter-spacing: -.6px; }
    .mw-hero-new-content > p { font-size: 14px; }
    .mw-hero-form-col  { scroll-margin-top: 84px; }
    .mw-lead-form-new  { scroll-margin-top: 84px; }

    .mw-apply-btn, .mw-whatsapp-btn { min-height: 46px; font-size: 13.5px; padding: 0 16px; }

    .mw-rate-grid-new    { gap: 8px; }
    .mw-rate-card-new    { padding: 13px 9px; border-radius: 13px; }
    .mw-rate-icon        { width: 34px; height: 34px; font-size: 14px; margin-bottom: 7px; }
    .mw-rate-card-new strong { font-size: 17px; }
    .mw-rate-card-new small  { font-size: 10.5px; }

    .mw-lead-form-new  { padding: 12px 4px; border-radius: 16px; }
    .mw-form-row       { grid-template-columns: 1fr; gap: 0; }
    .mw-form-row-2     { gap: 8px; }

    .mw-section-new    { padding: 44px 0; }
    .mw-why-section-new{ padding-bottom: 44px; }
    .mw-bank-section-new{ padding-bottom: 44px; }
    .mw-testi-section  { padding: 44px 0; }
    .mw-cta-new        { padding: 48px 0; }

    .mw-services-grid-new { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .mw-service-card-new  { padding: 18px 14px; min-height: 170px; }
    .mw-service-icon-new  { width: 46px; height: 46px; font-size: 20px; margin-bottom: 12px; }
    .mw-service-card-new h3 { font-size: 14px; }
    .mw-service-card-new p  { font-size: 12px; }

    .mw-why-box-new    { padding: 24px 16px; }
    .mw-why-grid-new   { gap: 10px; }
    .mw-why-item-new   { padding: 18px 8px; }
    .mw-why-item-new h4{ font-size: 12.5px; }

    .mw-bank-list-new  { grid-template-columns: repeat(3, 1fr); gap: 7px; }
    .mw-bank-name-new  { padding: 9px 5px; font-size: 11.5px; }

    .mw-emi-card-new         { padding: 22px 16px; }
    .mw-emi-result-new strong{ font-size: 27px; }

    .mw-process-grid-new { grid-template-columns: 1fr; }
    .mw-testi-grid       { grid-template-columns: 1fr; }
    .mw-cta-wrap-new     { gap: 28px; }
}

/* Small mobile */
@media (max-width: 480px) {
    .container { width: calc(100% - 28px); }
    .mw-hero-new h1 { font-size: 25px; }
    .mw-hero-form-col { scroll-margin-top: 78px; }
    .mw-lead-form-new { scroll-margin-top: 78px; }
    .mw-hero-actions-new {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 9px;
    }
    .mw-apply-btn, .mw-whatsapp-btn {
        padding: 0 8px;
        font-size: 12.5px;
        min-height: 44px;
        justify-content: center;
    }
    .mw-rate-card-new        { padding: 11px 7px; }
    .mw-rate-icon            { width: 30px; height: 30px; font-size: 13px; }
    .mw-rate-card-new strong { font-size: 15px; }
    .mw-rate-card-new small  { font-size: 10px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    .mw-float-wa::before,
    .mw-float-wa::after { animation: none; }
    *, *::before, *::after { transition-duration: .01ms !important; }
}

.hero-stats {
    display: flex;
    gap: 28px;
    margin-top: 40px;
    padding-top: 32px;
    border-top: 1px solid rgba(255, 255, 255, .12);
}

.stat-val {
    font-size: 26px;
    font-weight: 700;
    color: #fff;
    line-height: 1;
}

.stat-lbl {
    font-size: 12px;
    color: rgba(255, 255, 255, .5);
    margin-top: 4px;
}

/* ── Field row (Name/Mobile, Email/City) — single column, kept compact ── */
.mw-form-row-2 {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
}

/* Two columns from tablet up. The row markup was always built for
   a pair, but the rule only ever set one column. */
@media (min-width: 992px) {
    .mw-form-row-2 { grid-template-columns: 1fr 1fr; }
}

/* Mobile: show the callback form above the hero content */
@media (max-width: 991px) {
    .mw-hero-new-wrap {
        display: flex;
        flex-direction: column;
    }
    .mw-hero-form-col {
        order: -1;
        width: 100%;
    }
    .mw-hero-new-content {
        width: 100%;
    }
}