/* FinWinz — Premium CSS */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Bricolage+Grotesque:opsz,wght@12..96,700;12..96,800&display=swap');

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --blue:#2563eb;--blue-dark:#1d4ed8;--blue-light:#eff6ff;
  --navy:#0a0f1e;--navy2:#111827;
  --text:#0f172a;--muted:#64748b;--subtle:#94a3b8;
  --border:#e2e8f0;--border-l:#f1f5f9;
  --bg:#f8fafc;--white:#fff;
  --green:#059669;--amber:#d97706;--red:#dc2626;--purple:#7c3aed;
  --r:12px;--r-lg:18px;
  --sh:0 1px 3px rgba(0,0,0,.06),0 4px 12px rgba(0,0,0,.05);
  --sh-lg:0 8px 32px rgba(0,0,0,.10),0 2px 8px rgba(0,0,0,.06);
  --font:'Inter',system-ui,sans-serif;--font-display:'Bricolage Grotesque',var(--font);
}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;font-size:15px;line-height:1.6}
a{text-decoration:none;color:inherit}
ul{list-style:none}
::-webkit-scrollbar{width:5px;height:5px}
::-webkit-scrollbar-thumb{background:#cbd5e1;border-radius:3px}

/* ── TICKER ── */
.ticker{background:#060c18;height:34px;display:flex;align-items:center;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.05)}
.ticker-label{color:#3fb950;font-size:9px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;padding:0 16px;white-space:nowrap;border-right:1px solid rgba(255,255,255,.08);height:100%;display:flex;align-items:center;flex-shrink:0}
.ticker-wrap{overflow:hidden;flex:1}
.ticker-track{display:flex;animation:tick 35s linear infinite}
.ticker-track:hover{animation-play-state:paused}
@keyframes tick{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.ti{display:flex;align-items:center;gap:8px;padding:0 24px;white-space:nowrap;border-right:1px solid rgba(255,255,255,.05);height:34px}
.ti-bank{color:#94a3b8;font-size:11px;font-weight:600}
.ti-rate{color:#f1f5f9;font-size:12px;font-weight:700}
.ti-tag{font-size:9px;font-weight:700;padding:1px 5px;border-radius:3px}
.ti-low{background:rgba(5,150,105,.15);color:#34d399}
.ti-mid{background:rgba(217,119,6,.15);color:#fbbf24}

/* ── NAV ── */
.nav{background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:200;height:58px}
.nav-inner{max-width:1240px;margin:0 auto;padding:0 24px;height:100%;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{display:flex;align-items:center;gap:9px}
.logo-mark{width:34px;height:34px;background:linear-gradient(135deg,var(--blue),#06b6d4);border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.logo-name{font-family:var(--font-display);font-size:18px;font-weight:800;color:var(--navy);letter-spacing:-.3px}
.logo-name span{color:var(--blue)}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{padding:7px 13px;border-radius:8px;font-size:13.5px;font-weight:500;color:var(--muted);transition:all .15s}
.nav-links a:hover,.nav-links a.active{background:var(--blue-light);color:var(--blue)}
.nav-cta{background:var(--blue)!important;color:#fff!important;padding:8px 18px!important;border-radius:8px!important;font-weight:600!important}
.nav-cta:hover{background:var(--blue-dark)!important}
.nav-burger{display:none;background:none;border:none;font-size:22px;cursor:pointer;color:var(--text);padding:4px 8px}

/* ── LAYOUT ── */
.container{max-width:1240px;margin:0 auto;padding:0 24px}

/* ── HERO ── */
.hero{background:var(--navy);padding:76px 0 68px;position:relative;overflow:hidden}
.hero-glow{position:absolute;top:-100px;left:50%;transform:translateX(-50%);width:700px;height:500px;background:radial-gradient(ellipse,rgba(37,99,235,.22),transparent 70%);pointer-events:none}
.hero-inner{position:relative;z-index:1;text-align:center}
.hero-pill{display:inline-flex;align-items:center;gap:7px;background:rgba(37,99,235,.15);border:1px solid rgba(37,99,235,.3);color:#93c5fd;padding:5px 14px;border-radius:99px;font-size:12px;font-weight:600;letter-spacing:.3px;margin-bottom:24px}
.pulse-dot{width:7px;height:7px;border-radius:50%;background:#22c55e;box-shadow:0 0 6px rgba(34,197,94,.7);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.5}}
.hero h1{font-family:var(--font-display);font-size:clamp(30px,5vw,56px);font-weight:800;line-height:1.05;letter-spacing:-2px;color:#fff;margin-bottom:18px}
.hero h1 em{font-style:normal;background:linear-gradient(135deg,#60a5fa,#34d399);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hero-sub{font-size:17px;color:#94a3b8;max-width:500px;margin:0 auto 32px;line-height:1.7}
.hero-chips{display:flex;justify-content:center;flex-wrap:wrap;gap:8px;margin-bottom:36px}
.hchip{padding:7px 15px;border-radius:99px;border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.06);color:#cbd5e1;font-size:12.5px;font-weight:500}
.hero-search-wrap{max-width:560px;margin:0 auto;position:relative}
.hero-search-wrap input{width:100%;padding:15px 120px 15px 20px;border-radius:var(--r-lg);border:1.5px solid rgba(255,255,255,.12);background:rgba(255,255,255,.08);color:#fff;font-size:15px;font-family:var(--font);outline:none;transition:all .2s}
.hero-search-wrap input:focus{border-color:rgba(37,99,235,.6);background:rgba(255,255,255,.12)}
.hero-search-wrap input::placeholder{color:#4b5563}
.hero-search-wrap button{position:absolute;right:8px;top:50%;transform:translateY(-50%);background:var(--blue);color:#fff;border:none;border-radius:10px;padding:8px 18px;font-size:13px;font-weight:600;cursor:pointer;font-family:var(--font);transition:background .15s}
.hero-search-wrap button:hover{background:var(--blue-dark)}

/* ── STATS ── */
.stats-strip{background:var(--navy2);border-bottom:1px solid rgba(255,255,255,.05)}
.stats-row{display:grid;grid-template-columns:repeat(5,1fr);text-align:center}
.stat{padding:18px 8px;border-right:1px solid rgba(255,255,255,.06)}
.stat:last-child{border-right:none}
.stat-n{font-family:var(--font-display);font-size:24px;font-weight:800;color:#fff;letter-spacing:-1px}
.stat-l{font-size:11px;color:#4b5563;margin-top:2px;font-weight:500}

/* ── SECTION ── */
.section{padding:64px 0}
.sec-eyebrow{font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.sec-h{font-family:var(--font-display);font-size:clamp(22px,3vw,34px);font-weight:800;letter-spacing:-.5px;color:var(--text);line-height:1.2}

/* ── PRODUCT CARDS ── */
.cat-tabs{display:flex;gap:8px;margin:24px 0 28px;flex-wrap:wrap}
.ctab{padding:7px 16px;border-radius:99px;border:1.5px solid var(--border);background:var(--white);font-size:13px;font-weight:500;color:var(--muted);cursor:pointer;transition:all .15s;font-family:var(--font)}
.ctab:hover{border-color:var(--blue);color:var(--blue)}
.ctab.on{background:var(--blue);border-color:var(--blue);color:#fff}
.prod-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px}
.prod-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r);padding:22px 18px;transition:all .22s;display:block;color:var(--text);position:relative}
.prod-card:hover{transform:translateY(-3px);box-shadow:var(--sh-lg);border-color:var(--cc)}
.pc-top{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:12px}
.pc-icon{width:44px;height:44px;border-radius:11px;display:flex;align-items:center;justify-content:center;font-size:22px}
.pc-arrow{color:var(--border);font-size:16px;transition:all .2s}
.prod-card:hover .pc-arrow{color:var(--cc);transform:translate(2px,-2px)}
.prod-card h3{font-size:14px;font-weight:700;margin-bottom:5px}
.prod-card p{font-size:12.5px;color:var(--muted);line-height:1.5;margin-bottom:12px}
.pc-pill{display:inline-block;padding:3px 10px;border-radius:99px;font-size:11px;font-weight:700;background:var(--cb);color:var(--cc)}

/* ── TOOLS STRIP ── */
.tools-strip{background:var(--navy);padding:64px 0}
.tools-strip .sec-eyebrow{color:#60a5fa}
.tools-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:12px;margin-top:28px}
.tool-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);padding:20px;transition:all .2s;display:block;color:white}
.tool-card:hover{background:rgba(255,255,255,.09);border-color:rgba(37,99,235,.5);transform:translateY(-2px)}
.tool-icon{font-size:24px;margin-bottom:10px}
.tool-name{font-size:14px;font-weight:700;margin-bottom:6px}
.tool-desc{font-size:12px;color:#6b7280;line-height:1.5;margin-bottom:12px}
.tool-cta{font-size:12px;font-weight:700;color:var(--blue)}

/* ── TWO COL ── */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}

/* ── CIBIL QUICK ── */
.cibil-quick{background:var(--bg);border:1px solid var(--border);border-radius:var(--r);padding:24px}
.cq-row{display:flex;justify-content:space-between;font-size:13px;font-weight:600;margin-bottom:8px}
.cibil-band-display{margin-top:10px;padding:8px 12px;background:white;border-radius:8px;border:1px solid var(--border);font-size:13px}
.cq-results{margin-top:4px}

/* ── FORMS ── */
.alert-form{background:var(--bg);border:1px solid var(--border);border-radius:var(--r);padding:24px}
.form-row{margin-bottom:14px}
.form-row label{display:block;font-size:12px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px}
.form-row input,.form-row select,.form-row textarea{width:100%;padding:10px 13px;border:1.5px solid var(--border);border-radius:var(--r);font-size:14px;font-family:var(--font);outline:none;background:white;transition:border .15s;color:var(--text)}
.form-row input:focus,.form-row select:focus,.form-row textarea:focus{border-color:var(--blue)}
.form-row textarea{resize:vertical;min-height:70px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-msg{margin-top:10px;font-size:13px;font-weight:500}

/* ── CHART ── */
.chart-shell{background:white;border:1px solid var(--border);border-radius:var(--r);padding:20px;box-shadow:var(--sh)}

/* ── REVIEWS ── */
.reviews-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}
.review-card{background:white;border:1px solid var(--border);border-radius:var(--r);padding:18px;transition:box-shadow .15s}
.review-card:hover{box-shadow:var(--sh)}
.rv-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.rv-prod{color:var(--muted);font-size:12px;text-transform:capitalize}
.rv-stars{font-size:13px}
.rv-title{font-weight:600;font-size:14px;margin-bottom:5px}
.rv-text{font-size:13px;color:var(--muted);line-height:1.5;margin-bottom:8px}
.rv-meta{font-size:11px;color:var(--subtle)}

/* ── RBI ── */
.rbi-card{background:white;border:1px solid var(--border);border-radius:var(--r);padding:18px;margin-bottom:12px}
.rbi-date{font-size:11px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.rbi-title{font-size:15px;font-weight:700;margin-bottom:6px}
.rbi-body{font-size:13px;color:var(--muted);line-height:1.6;margin-bottom:8px}
.rbi-impact{font-size:12px;color:var(--green);font-weight:600;background:#f0fdf4;padding:6px 10px;border-radius:6px;border:1px solid #bbf7d0}

/* ── AI PANEL ── */
.ai-fab{position:fixed;bottom:28px;right:28px;background:linear-gradient(135deg,var(--blue),#7c3aed);color:#fff;border-radius:99px;padding:12px 20px;display:flex;align-items:center;gap:8px;cursor:pointer;z-index:1000;box-shadow:0 4px 20px rgba(37,99,235,.4);transition:all .2s;user-select:none}
.ai-fab:hover{transform:translateY(-2px);box-shadow:0 6px 28px rgba(37,99,235,.5)}
.ai-fab.active{border-radius:12px}
.ai-fab-icon{font-size:18px}
.ai-fab-label{font-size:13px;font-weight:700}
.ai-fab-dot{width:7px;height:7px;border-radius:50%;background:#22c55e;box-shadow:0 0 6px rgba(34,197,94,.7);animation:pulse 2s infinite}
.ai-panel{position:fixed;bottom:90px;right:28px;width:380px;background:white;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--sh-lg);z-index:999;display:flex;flex-direction:column;height:480px;transform:scale(.9) translateY(20px);opacity:0;pointer-events:none;transition:all .2s;transform-origin:bottom right}
.ai-panel.open{transform:scale(1) translateY(0);opacity:1;pointer-events:all}
.ai-panel-hdr{padding:16px 18px;border-bottom:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;background:var(--navy);border-radius:var(--r-lg) var(--r-lg) 0 0}
.ai-panel-title{font-size:14px;font-weight:700;color:white}
.ai-panel-sub{font-size:11px;color:#4b5563;margin-top:2px}
.ai-close{background:rgba(255,255,255,.1);border:none;color:#94a3b8;font-size:16px;cursor:pointer;width:28px;height:28px;border-radius:6px;display:flex;align-items:center;justify-content:center;transition:all .15s}
.ai-close:hover{background:rgba(255,255,255,.2);color:white}
.ai-messages{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px}
.ai-msg{display:flex}
.ai-msg.user{justify-content:flex-end}
.ai-bubble{padding:10px 14px;border-radius:14px;font-size:13px;line-height:1.55;max-width:88%}
.ai-msg.bot .ai-bubble{background:var(--bg);border:1px solid var(--border);color:var(--text);border-radius:4px 14px 14px 14px}
.ai-msg.user .ai-bubble{background:var(--blue);color:white;border-radius:14px 4px 14px 14px}
.ai-msg.loading .ai-bubble::after{content:'...';animation:dots 1s infinite}
.ai-input-row{padding:12px;border-top:1px solid var(--border);display:flex;gap:8px}
.ai-input-row input{flex:1;padding:9px 13px;border:1.5px solid var(--border);border-radius:var(--r);font-size:13px;font-family:var(--font);outline:none;transition:border .15s}
.ai-input-row input:focus{border-color:var(--blue)}
.ai-send{background:var(--blue);color:white;border:none;border-radius:var(--r);padding:9px 16px;font-size:13px;font-weight:600;cursor:pointer;font-family:var(--font);transition:background .15s}
.ai-send:hover{background:var(--blue-dark)}

/* ── MODAL ── */
.modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.6);z-index:2000;display:none;align-items:center;justify-content:center;backdrop-filter:blur(4px);padding:20px}
.modal-overlay.open{display:flex}
.modal{background:white;border-radius:var(--r-lg);width:100%;max-width:480px;max-height:90vh;overflow-y:auto}
.modal-hdr{padding:22px 24px 16px;border-bottom:1px solid var(--border);display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.modal-title{font-family:var(--font-display);font-size:19px;font-weight:800}
.modal-sub{font-size:12px;color:var(--muted);margin-top:4px}
.modal-close{background:none;border:none;color:var(--muted);font-size:20px;cursor:pointer;padding:0 4px;flex-shrink:0;line-height:1}
.modal-close:hover{color:var(--text)}
.modal-body{padding:20px 24px 24px}

/* ── BUTTONS ── */
.btn-primary{display:inline-block;background:var(--blue);color:white;padding:11px 24px;border-radius:var(--r);font-size:14px;font-weight:600;border:none;cursor:pointer;font-family:var(--font);transition:background .15s;text-align:center}
.btn-primary:hover{background:var(--blue-dark)}
.btn-secondary{display:inline-block;background:white;color:var(--blue);border:1.5px solid var(--blue);padding:10px 22px;border-radius:var(--r);font-size:14px;font-weight:600;transition:all .15s}
.btn-secondary:hover{background:var(--blue-light)}

/* ── TOAST ── */
.toast{position:fixed;bottom:24px;left:50%;transform:translateX(-50%) translateY(80px);background:var(--navy);color:white;padding:12px 20px;border-radius:var(--r);font-size:13px;font-weight:600;z-index:9999;transition:transform .3s;white-space:nowrap;box-shadow:var(--sh-lg)}
.toast.show{transform:translateX(-50%) translateY(0)}
.toast.ok{border-left:3px solid var(--green)}
.toast:not(.ok){border-left:3px solid var(--red)}

/* ── FOOTER ── */
.footer{background:#060c18;padding:52px 0 24px;margin-top:0}
.foot-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
.foot-brand{display:flex;align-items:center;gap:8px;margin-bottom:12px}
.foot-mark{width:30px;height:30px;background:linear-gradient(135deg,var(--blue),#06b6d4);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:14px}
.foot-name{font-family:var(--font-display);font-size:17px;font-weight:800;color:white}
.foot-name span{color:var(--blue)}
.foot-desc{font-size:13px;color:#374151;line-height:1.7;margin-bottom:18px}
.foot-disc{font-size:11px;color:#1e293b;background:rgba(255,255,255,.02);border:1px solid rgba(255,255,255,.03);border-radius:8px;padding:12px 14px;line-height:1.6}
.foot-h{font-size:10px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#374151;margin-bottom:12px}
.foot-links li{margin-bottom:8px}
.foot-links a{color:#374151;font-size:13px;transition:color .15s}
.foot-links a:hover{color:white}
.foot-bottom{border-top:1px solid #0f172a;padding-top:22px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:12px;color:#1e293b}

/* ── RESPONSIVE ── */
@media(max-width:1024px){.prod-grid{grid-template-columns:repeat(3,1fr)}.tools-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:768px){
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;background:white;border-bottom:1px solid var(--border);padding:12px;box-shadow:var(--sh-lg);gap:4px}
  .nav-links.open{display:flex}
  .nav-inner{position:relative}
  .nav-burger{display:block}
  .prod-grid,.tools-grid{grid-template-columns:repeat(2,1fr)}
  .stats-row{grid-template-columns:repeat(3,1fr)}
  .two-col{grid-template-columns:1fr;gap:28px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .hero{padding:52px 0 44px}
  .ai-panel{width:calc(100vw - 28px);right:14px}
}
@media(max-width:480px){
  .prod-grid,.tools-grid{grid-template-columns:1fr}
  .stats-row{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
}