/* ════════════════════════════════════════════════════════════════
   loan.css — Right Rupee · Personal Loan Page (personal-loan.php)
   Page-specific styles only. Reuses global tokens/utilities defined
   in style-new.css (colors, .btn, .sec, .sec-tag, .sec-title,
   .cta-band, .faq-item, .anim-fade-*). Do not duplicate those here.

   TABLE OF CONTENTS
   ─────────────────
   1.  Hero
   2.  Overview
   3.  Features & Benefits
   4.  Eligibility Criteria
   5.  Documents Required
   6.  Rates & Charges
   7.  Representative Example
   8.  Approval Process
   9.  How To Apply
   10. Why Choose Right Rupee
   11. Media Queries (all breakpoints, consolidated)
   ════════════════════════════════════════════════════════════════ */

/* ────────────────────────────────────────────────────────────────
   1. HERO
──────────────────────────────────────────────────────────────── */
.pl-hero {
  position: relative;
  padding: 40px 0 40px;
  overflow: hidden;
  background: linear-gradient(180deg, var(--surface) 0%, var(--white) 100%);
}
.pl-hero-glow {
  position: absolute;
  top: -140px;
  right: -120px;
  width: 480px;
  height: 480px;
  background: var(--grad);
  opacity: .16;
  filter: blur(90px);
  border-radius: 50%;
  pointer-events: none;
}
.pl-hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
}
.pl-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 8px 16px;
  border-radius: var(--r-full);
  font-size: var(--fs-sm);
  font-weight: 700;
  color: var(--indigo);
  box-shadow: 0 4px 16px rgba(97,98,219,.10);
  margin-bottom: 22px;
}
.pl-hero-badge i { color: var(--blue); }

.pl-hero-title {
  font-size: 44px;
  font-weight: 800;
  color: var(--dark);
  line-height: 1.14;
  letter-spacing: -.03em;
  margin-bottom: 18px;
}
.pl-hero-title span {
  background: var(--grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.pl-hero-sub {
  font-size: var(--fs-md);
  color: var(--muted);
  line-height: 1.7;
/*  max-width: 540px;*/
  margin-bottom: 30px;
}
.pl-hero-cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 38px;
}
.pl-hero-stats {
  display: flex;
  gap: 30px;
  flex-wrap: wrap;
}
.pl-hero-stat h4 {
  font-size: var(--fs-xl);
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 2px;
}
.pl-hero-stat p {
  font-size: var(--fs-sm);
  color: var(--muted);
}

/* visual side */
.pl-hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
}
.pl-hero-photo-card {
  position: relative;
  width: 100%;
  max-width: 450px;
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(26,28,58,.18);
}
.pl-hero-photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.pl-float-card {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border-radius: var(--r);
  padding: 12px 16px;
  box-shadow: 0 12px 32px rgba(26,28,58,.14);
  font-weight: 700;
  font-size: var(--fs-sm);
  color: var(--dark);
}
.pl-float-card i { color: var(--success); font-size: 18px; }
.pl-float-1 { top: 10%; left: -8%; }
.pl-float-2 { bottom: 8%; right: -6%; }

/* ────────────────────────────────────────────────────────────────
   2. OVERVIEW
──────────────────────────────────────────────────────────────── */

section.sec.overview {
    background: linear-gradient(135deg, #070b18, #101a3a 55%, #08111f);
}

section.sec.overview h2.sec-title, section.sec.overview .pl-overview-text p {
    color: #fff;
}

.pl-overview-grid {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 54px;
  align-items: center;
}
.pl-overview-text p {
  font-size: var(--fs-base);
  color: var(--text-2);
  line-height: 1.8;
  margin-bottom: 16px;
}
.pl-overview-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.pl-mini-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 26px 20px;
  text-align: center;
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease);
}
.pl-mini-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 36px rgba(97,98,219,.14);
}
.pl-mini-ic {
  width: 52px;
  height: 52px;
  margin: 0 auto 14px;
  border-radius: 50%;
  background: var(--grad);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
}
.pl-mini-card h4 {
  font-size: var(--fs-base);
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 6px;
}
.pl-mini-card p {
  font-size: var(--fs-sm);
  color: var(--muted);
  line-height: 1.5;
}

.sec-intro {
    margin-bottom: 40px;
}

/* ────────────────────────────────────────────────────────────────
   3. FEATURES & BENEFITS
──────────────────────────────────────────────────────────────── */
.pl-features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.pl-feature-card {
    background: var(--white);
    border-radius: var(--r-lg);
    padding: 20px 20px;
    box-shadow: 0 4px 20px rgba(26, 28, 58, .06);
    /* border: 1px solid var(--border); */
    transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
    /* border-bottom: 4px solid #e29f24; */
    /* border: 1px solid; */
    border: 1px solid #5b7adb;
    border-bottom: 4px solid #e2a02b;
}
.pl-feature-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(97,98,219,.16);
  border-color: transparent;
}
.pl-feature-ic {
    width: 70px;
    height: 70px;
    border-radius: var(--r);
    background: rgba(97, 98, 219, .10);
    color: var(--indigo);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    margin-bottom: 18px;
    box-shadow: 6px 5px 5px #dbdbff;
}
.pl-feature-card h4 {
  font-size: var(--fs-md);
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
}
.pl-feature-card p {
  font-size: var(--fs-sm);
  color: var(--muted);
  line-height: 1.65;
}

/* ────────────────────────────────────────────────────────────────
   4. ELIGIBILITY CRITERIA
──────────────────────────────────────────────────────────────── */
.pl-eligibility-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
}
.pl-elig-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    padding: 26px 16px;
    text-align: center;
    border: 1px solid #FF9800;
    border-bottom: 4px solid #3aa1e2;
}
.pl-elig-ic {
    width: 60px;
    height: 60px;
    margin: 0 auto 14px;
    border-radius: 50%;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    background: linear-gradient(135deg, #4fa8dc, #5b5ce2);
}
.pl-elig-card h4 {
  font-size: var(--fs-md);
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 4px;
}
.pl-elig-card p {
  font-size: var(--fs-sm);
  color: var(--muted);
}

/* ────────────────────────────────────────────────────────────────
   5. DOCUMENTS REQUIRED
──────────────────────────────────────────────────────────────── */
.pl-docs-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
}
.pl-doc-card {
    background: var(--white);
    
    border-radius: var(--r-lg);
    padding: 26px 14px;
    text-align: center;
    transition: border-color var(--t) var(--ease), background var(--t) var(--ease);
    border: 1px solid #5b7adb;
    border-bottom: 4px solid #e2a02b;
}

.pl-doc-card:hover {
  border-color: var(--indigo);
  background: var(--surface);
}
.pl-doc-ic {
    font-size: 44px;
    color: #5a5af2;
    margin-bottom: 0px;
}
.pl-doc-card p {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--text);
  line-height: 1.4;
}
.pl-doc-note {
  margin-top: 26px;
  text-align: center;
  font-size: var(--fs-sm);
  color: var(--muted);
}

/* ────────────────────────────────────────────────────────────────
   6. RATES & CHARGES
──────────────────────────────────────────────────────────────── */
.pl-rates-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(26,28,58,.08);
}
.pl-rates-table tr:not(:last-child) td,
.pl-rates-table tr:not(:last-child) th { border-bottom: 1px solid var(--border); }
.pl-rates-table th,
.pl-rates-table td {
  padding: 18px 28px;
  text-align: left;
  font-size: var(--fs-base);
}
.pl-rates-table thead th {
  background: var(--dark);
  color: var(--white);
  font-weight: 700;
  font-size: var(--fs-sm);
  text-transform: uppercase;
  letter-spacing: .06em;
}
.pl-rates-table tbody td:first-child {
  color: var(--text-2);
  font-weight: 600;
}
.pl-rates-table tbody td:last-child {
  color: var(--indigo);
  font-weight: 800;
  text-align: right;
}
.pl-rates-table tbody tr:hover { background: var(--surface); }

/* ────────────────────────────────────────────────────────────────
   7. REPRESENTATIVE EXAMPLE
──────────────────────────────────────────────────────────────── */
.pl-rep-box {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 44px;
  position: relative;
  overflow: hidden;
}
.pl-rep-box::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--grad);
  opacity: .10;
}
.pl-rep-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px 20px;
}
.pl-rep-item h4 {
  font-size: var(--fs-lg);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 4px;
}
.pl-rep-item p {
  font-size: var(--fs-sm);
  color: rgba(255,255,255,.62);
}
.pl-rep-disclaimer {
  position: relative;
  z-index: 1;
  margin-top: 34px;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,.14);
  font-size: var(--fs-sm);
  color: rgba(255,255,255,.55);
  line-height: 1.7;
}
.pl-rep-disclaimer strong { color: rgba(255,255,255,.85); }

/* ────────────────────────────────────────────────────────────────
   8. APPROVAL PROCESS
──────────────────────────────────────────────────────────────── */
.pl-process-wrap { position: relative; }
.pl-process-line {
  position: absolute;
  top: 28px;
  left: 8%;
  right: 8%;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--border) 0 10px, transparent 10px 18px);
  z-index: 0;
}
.pl-process-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.pl-process-card { text-align: center; }
.pl-process-num {
  width: 58px;
  height: 58px;
  margin: 0 auto 20px;
  border-radius: 50%;
  background: var(--grad);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--fs-lg);
  font-weight: 800;
  box-shadow: 0 8px 22px rgba(97,98,219,.32);
}
.pl-process-card h4 {
  font-size: var(--fs-md);
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
}
.pl-process-card p {
  font-size: var(--fs-sm);
  color: var(--muted);
  line-height: 1.6;
  padding: 0 6px;
}

/* ────────────────────────────────────────────────────────────────
   9. HOW TO APPLY
──────────────────────────────────────────────────────────────── */
.pl-howto-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}
.pl-howto-list { display: flex; flex-direction: column; gap: 22px; }
.pl-howto-step {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.pl-howto-num {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--surface);
  border: 2px solid var(--indigo);
  color: var(--indigo);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--fs-base);
}
.pl-howto-step h4 {
  font-size: var(--fs-base);
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 4px;
}
.pl-howto-step p {
  font-size: var(--fs-sm);
  color: var(--muted);
  line-height: 1.6;
}
.pl-howto-panel {
  background: var(--surface);
  border-radius: var(--r-lg);
/*  padding: 40px;*/
  text-align: center;
}
.pl-howto-panel i {
  font-size: 40px;
  color: var(--indigo);
  margin-bottom: 18px;
}
.pl-howto-panel h3 {
  font-size: var(--fs-xl);
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 10px;
}
.pl-howto-panel p {
  font-size: var(--fs-sm);
  color: var(--muted);
  margin-bottom: 24px;
  line-height: 1.6;
}

/* ────────────────────────────────────────────────────────────────
   10. WHY CHOOSE RIGHT RUPEE
──────────────────────────────────────────────────────────────── */
.pl-why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.pl-why-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px 22px;
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease);
}
.pl-why-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 38px rgba(97,98,219,.14);
}
.pl-why-ic {
  width: 50px;
  height: 50px;
  border-radius: var(--r);
  background: var(--grad);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  margin-bottom: 16px;
}
.pl-why-card h4 {
  font-size: var(--fs-base);
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 6px;
}
.pl-why-card p {
  font-size: var(--fs-sm);
  color: var(--muted);
  line-height: 1.6;
}

/* ════════════════════════════════════════════════════════════════
   11. MEDIA QUERIES (all breakpoints consolidated)
   ≤ 1100px | ≤ 900px | ≤ 640px
   ════════════════════════════════════════════════════════════════ */

@media (max-width: 1100px) {
  .pl-hero-inner   { grid-template-columns: 1fr; gap: 40px; }
  .pl-hero-visual  { order: -1; }
  .pl-hero-sub     { max-width: 100%; }
  .pl-overview-grid { grid-template-columns: 1fr; gap: 36px; }
  .pl-eligibility-grid { grid-template-columns: repeat(3, 1fr); }
  .pl-docs-grid    { grid-template-columns: repeat(3, 1fr); }
  .pl-rep-grid     { grid-template-columns: repeat(2, 1fr); }
  .pl-why-grid     { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .pl-features-grid { grid-template-columns: repeat(2, 1fr); }
  .pl-process-grid  { grid-template-columns: repeat(2, 1fr); gap: 34px 20px; }
  .pl-process-line  { display: none; }
  .pl-howto-wrap    { grid-template-columns: 1fr; gap: 32px; }
  .pl-overview-cards{ grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 640px) {
  .pl-hero            { padding: 44px 0 56px; }
  .pl-hero-cta-row .btn,
  .pl-hero-cta-row a   { width: 100%; }
  .pl-hero-cta-row    { flex-direction: column; }
  .pl-hero-stats      { gap: 20px; justify-content: space-between; }
  .pl-float-card      { display: none; }
  .pl-hero-photo-card { max-width: 300px; }

  .pl-overview-cards,
  .pl-features-grid,
  .pl-eligibility-grid,
  .pl-docs-grid,
  .pl-process-grid,
  .pl-why-grid        { grid-template-columns: 1fr; }

  .pl-rep-grid        { grid-template-columns: 1fr 1fr; }
  .pl-rep-box         { padding: 28px 22px; }

  .pl-rates-table th,
  .pl-rates-table td  { padding: 14px 16px; font-size: var(--fs-sm); }

  .pl-process-line    { display: none; }
  .pl-hero-title {
    font-size: 24px;
    line-height: 1.6em;
}

.pl-hero-cta-row {
    margin-bottom: 0px;
}

.pl-hero-sub {
    font-size: 16;
    color: var(--muted);
    line-height: 1.7;
}

    .pl-hero-inner {
        gap: 20px;
    }


}