:root {
    --navy: #0a2d6e;
    --gold: #f5a800;
    --green: #2db84b;
    --light-gray: #f4f6fb;
    --white: #ffffff;
    --text: #222b45;
    --muted: #6b7a99;
    --border: #e3e8f0;
    --shadow: 0 4px 24px rgba(10,45,110,0.08);
}
/* scoped in home-copy-theme */
html { scroll-behavior: smooth; overflow-x: hidden; -webkit-text-size-adjust: 100%; }
body.home-v2 {
    font-family: 'Nunito', sans-serif;
    color: var(--text);
    background: #fff;
    overflow-x: hidden;
    -webkit-tap-highlight-color: transparent;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; height: auto; display: block; }
.hv2-container { max-width: 72rem; margin: 0 auto; padding-left: 16px; padding-right: 16px; }

/* Header (keep index.html nav structure) */
.top-bar {
    background: var(--navy) !important;
}
.top-bar-middle a,
.top-bar-right .search-icon {
    color: rgba(255, 255, 255, 0.9) !important;
}
.main-header {
    background: #fff;
    box-shadow: 0 2px 12px rgba(10, 45, 110, 0.07);
    position: sticky;
    top: 0;
    z-index: 100;
}
.main-header .header-container {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
}
.main-header .logo-section img {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    object-fit: cover;
}
.main-header .main-logo {
    font-family: 'Poppins', sans-serif;
    color: var(--navy) !important;
}
.main-header .sub-logo {
    color: var(--muted) !important;
}
.main-header .logo-text::after {
    content: 'Your Goals, Our Guidance';
    display: block;
    font-size: 0.55rem;
    color: var(--green);
    font-style: italic;
    font-weight: 600;
}
.hv2-header-apply {
    display: none;
    background: var(--gold);
    color: var(--navy);
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 0.75rem;
    border-radius: 6px;
    padding: 10px 14px;
    text-decoration: none;
    white-space: nowrap;
    margin-left: 12px;
    flex-shrink: 0;
}
.hv2-header-apply:hover {
    background: #e59700;
    color: var(--navy);
}
@media (min-width: 768px) {
    .hv2-header-apply { display: inline-flex; align-items: center; }
}
.hamburger { background: none; border: none; cursor: pointer; min-width: 44px; min-height: 44px; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.hamburger span { display: block; width: 22px; height: 2.5px; background: var(--navy); margin: 4px 0; border-radius: 2px; }
.nav-logo { display: flex; align-items: center; gap: 10px; flex: 1; justify-content: center; max-width: 70%; }
.nav-logo img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.nav-logo .logo-fallback {
    width: 44px; height: 44px; border-radius: 50%;
    background: linear-gradient(135deg, var(--navy) 50%, var(--gold) 50%);
    display: none; align-items: center; justify-content: center;
    font-family: 'Poppins', sans-serif; font-weight: 800; font-size: 0.65rem; color: #fff;
}
.nav-logo .brand { line-height: 1.15; min-width: 0; }
.nav-logo .brand b { font-family: 'Poppins', sans-serif; font-size: 1rem; color: var(--navy); letter-spacing: 0.5px; }
.nav-logo .brand span { display: block; font-size: 0.55rem; color: var(--muted); font-weight: 600; letter-spacing: 0.3px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.nav-logo .brand .tagline { font-size: 0.55rem; color: var(--green); font-style: italic; font-weight: 600; }
.hv2-btn-apply {
    background: var(--gold); color: var(--navy);
    font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.75rem;
    border: none; border-radius: 6px; padding: 10px 14px; cursor: pointer; letter-spacing: 0.5px;
    transition: background 0.2s, transform 0.1s; white-space: nowrap; min-height: 40px;
}
.hv2-btn-apply:hover { background: #e59700; }

/* Hide old carousel hero when using v2 hero */
.hero-section.hero-section--legacy { display: none !important; }

/* HERO */
.hv2-hero {
    background: linear-gradient(135deg, #e8f0fb 0%, #fff 55%, #e6f9ee 100%);
    padding: 28px 16px 0; overflow: hidden; position: relative;
}
.hv2-hero-inner { max-width: 72rem; margin: 0 auto; }
.hv2-hero-text .unlock { font-size: 0.95rem; color: var(--navy); font-weight: 600; margin-bottom: 4px; }
.hv2-hero-text h1 {
    font-family: 'Poppins', sans-serif; font-size: 1.85rem; line-height: 1.15;
    color: var(--navy); font-weight: 800;
}
.hv2-hero-text h1 span { color: var(--green); }
.hv2-hero-text .subtitle { font-size: 0.75rem; color: var(--muted); margin: 10px 0 0; line-height: 1.6; }
.hv2-hero-features {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 8px; margin: 18px 0 18px;
}
.hv2-feature-item { text-align: center; }
.hv2-feature-icon {
    width: 42px; height: 42px; border-radius: 12px; margin: 0 auto 6px;
    display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
    box-shadow: 0 2px 8px rgba(10,45,110,0.10);
}
.hv2-fi-blue { background: #e8f0fb; color: var(--navy); }
.hv2-fi-yellow { background: #fff8e6; color: #b8860b; }
.hv2-fi-green { background: #e6f9ee; color: var(--green); }
.hv2-fi-navy { background: #e8f0fb; color: var(--navy); }
.hv2-feature-item b { display: block; font-size: 0.62rem; font-weight: 700; color: var(--navy); line-height: 1.2; }
.hv2-feature-item small { font-size: 0.55rem; color: var(--muted); line-height: 1.25; display: block; margin-top: 2px; }
.hv2-hero-cta { display: flex; gap: 10px; margin-bottom: 20px; }
.hv2-btn-primary {
    flex: 1; background: var(--gold); color: var(--navy);
    font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.78rem;
    border: none; border-radius: 8px; padding: 12px 8px;
    cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 4px;
    transition: background 0.2s; text-align: center;
}
.hv2-btn-primary:hover { background: #e59700; }
.hv2-btn-outline {
    flex: 1; background: transparent; color: var(--navy);
    font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.78rem;
    border: 2px solid var(--navy); border-radius: 8px; padding: 12px 8px;
    cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 4px;
    transition: all 0.2s; text-align: center;
}
.hv2-btn-outline:hover { background: var(--navy); color: #fff; }
.hv2-hero-image-wrap {
    position: relative; margin-top: 4px;
    display: flex; justify-content: center;
}
.hv2-hero-image-wrap picture { width: 100%; max-width: 380px; }
.hv2-hero-image-wrap img {
    width: 100%; max-height: 280px; object-fit: contain; object-position: bottom center;
    border-radius: 16px 16px 0 0;
}

.hv2-fraud-strip { background: #fffbeb; border-top: 1px solid #fde68a; border-bottom: 1px solid #fde68a; padding: 8px 16px; text-align: center; font-size: 0.68rem; color: #92400e; }

.hv2-section-label {
    text-align: center; font-family: 'Poppins', sans-serif; font-size: 0.72rem;
    font-weight: 700; color: var(--green); letter-spacing: 1.5px; text-transform: uppercase;
    margin-bottom: 18px;
}
.hv2-section-divider { height: 6px; background: var(--light-gray); }

/* LOAN SERVICES */
.hv2-loan-services { background: var(--white); padding: 32px 16px; }
.hv2-loan-services .hv2-services-scroll,
.hv2-services-scroll {
    display: flex; gap: 12px; overflow-x: auto; padding: 0 16px 8px;
    scrollbar-width: none;
    max-width: 72rem;
    margin: 0 auto;
}
.hv2-services-scroll::-webkit-scrollbar { display: none; }
.hv2-service-card {
    min-width: 118px; background: var(--white); border: 1.5px solid var(--border);
    border-radius: 14px; padding: 14px 10px 10px; text-align: center;
    box-shadow: var(--shadow); flex-shrink: 0; transition: transform 0.2s, box-shadow 0.2s;
    cursor: pointer;
}
.hv2-service-card:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(10,45,110,0.13); }
.hv2-service-card.highlight { border-color: var(--green); border-width: 2px; }
.hv2-service-card .hv2-svc-icon { font-size: 1.7rem; margin-bottom: 8px; line-height: 1; }
.hv2-service-card b { display: block; font-size: 0.7rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.hv2-service-card p { font-size: 0.58rem; color: var(--muted); line-height: 1.4; margin-bottom: 8px; min-height: 2.5em; }
.hv2-svc-arrow {
    width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--border);
    display: flex; align-items: center; justify-content: center; margin: 0 auto;
    font-size: 0.8rem; color: var(--navy); transition: background 0.2s, color 0.2s;
}
.hv2-service-card:hover .hv2-svc-arrow { background: var(--navy); color: #fff; }

/* SMART TOOLS */
.hv2-smart-tools { background: var(--light-gray); padding: 32px 16px; }
.hv2-tools-grid { display: flex; flex-direction: column; gap: 14px; max-width: 72rem; margin: 0 auto; }
.hv2-tool-card {
    background: var(--white); border-radius: 14px; padding: 16px;
    display: flex; align-items: flex-start; gap: 14px; box-shadow: var(--shadow);
    border: 1.5px solid var(--border); transition: transform 0.2s;
}
.hv2-tool-card:hover { transform: translateX(4px); }
.hv2-tool-icon { font-size: 1.8rem; flex-shrink: 0; width: 40px; text-align: center; }
.hv2-tool-info { flex: 1; min-width: 0; }
.hv2-tool-info b { font-family: 'Poppins', sans-serif; font-size: 0.82rem; color: var(--navy); font-weight: 700; }
.hv2-tool-info p { font-size: 0.68rem; color: var(--muted); margin: 3px 0 8px; line-height: 1.4; }
.hv2-tool-link { font-size: 0.7rem; color: var(--green); font-weight: 700; display: inline-flex; align-items: center; gap: 4px; background: none; border: none; cursor: pointer; font-family: inherit; padding: 0; }
.hv2-tool-link:hover { text-decoration: underline; }
#emiPanel {
    display: none; margin-top: 16px; max-width: 72rem; margin-left: auto; margin-right: auto;
    background: var(--white); border-radius: 14px; padding: 20px; border: 1.5px solid rgba(45,184,75,0.35);
    box-shadow: var(--shadow);
}
#emiPanel.open { display: block; }
#emiPanel label { display: block; font-size: 0.72rem; font-weight: 700; color: var(--muted); margin-bottom: 4px; margin-top: 10px; }
#emiPanel input { width: 100%; padding: 10px 12px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 16px; font-family: inherit; }
#emiPanel .btn-calc { width: 100%; margin-top: 14px; padding: 12px; background: var(--green); color: #fff; border: none; border-radius: 8px; font-family: 'Poppins', sans-serif; font-weight: 700; cursor: pointer; font-size: 0.85rem; }
#emiResult { display: none; margin-top: 12px; text-align: center; padding: 12px; background: #e6f9ee; border-radius: 8px; }
#emiResult.show { display: block; }
#emiValue { font-family: 'Poppins', sans-serif; font-size: 1.4rem; font-weight: 800; color: var(--green); }

/* WHY CHOOSE */
.hv2-why-choose { background: var(--white); padding: 32px 16px; }
.hv2-why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; max-width: 72rem; margin: 0 auto; }
.hv2-why-item { display: flex; align-items: flex-start; gap: 10px; }
.hv2-why-icon {
    width: 36px; height: 36px; border-radius: 50%; background: var(--light-gray);
    display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0;
}
.hv2-why-item b { display: block; font-size: 0.72rem; font-weight: 700; color: var(--navy); }
.hv2-why-item small { font-size: 0.62rem; color: var(--muted); line-height: 1.4; }

/* HOW IT WORKS */
.hv2-how-works { background: var(--light-gray); padding: 32px 16px; }
.hv2-steps { display: flex; align-items: flex-start; gap: 0; max-width: 72rem; margin: 0 auto; }
.hv2-step { flex: 1; text-align: center; position: relative; min-width: 0; }
.hv2-step-num {
    width: 34px; height: 34px; border-radius: 50%; background: var(--navy);
    color: #fff; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.8rem;
    display: flex; align-items: center; justify-content: center; margin: 0 auto 6px;
}
.hv2-step-icon { font-size: 1.2rem; margin-bottom: 4px; }
.hv2-step b { display: block; font-size: 0.68rem; font-weight: 700; color: var(--navy); }
.hv2-step small { font-size: 0.58rem; color: var(--muted); line-height: 1.3; display: block; padding: 0 2px; }
.hv2-step-arrow {
    position: absolute; top: 14px; right: -10px;
    font-size: 0.9rem; color: var(--gold); font-weight: 700; z-index: 1;
}
.hv2-step:last-child .hv2-step-arrow { display: none; }

/* CONNECTED */
.hv2-connected { background: var(--white); padding: 32px 16px; }
.hv2-connected .subtitle { text-align: center; font-size: 0.72rem; color: var(--muted); margin: -10px 0 20px; line-height: 1.5; padding: 0 8px; }
.hv2-connected-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; max-width: 72rem; margin: 0 auto; }
.hv2-connected-item { display: flex; align-items: flex-start; gap: 10px; }
.hv2-connected-icon {
    width: 36px; height: 36px; border-radius: 50%; background: #e6f9ee;
    display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0;
}
.hv2-connected-item b { display: block; font-size: 0.72rem; font-weight: 700; color: var(--navy); }
.hv2-connected-item small { font-size: 0.62rem; color: var(--muted); line-height: 1.35; }

/* TESTIMONIALS */
.hv2-testimonials { background: var(--light-gray); padding: 32px 16px; }
.hv2-testi-scroll { display: flex; gap: 14px; overflow-x: auto; scrollbar-width: none; padding-bottom: 8px; }
.hv2-testi-scroll::-webkit-scrollbar { display: none; }
.hv2-testi-card {
    min-width: 250px; background: var(--white); border-radius: 14px; padding: 16px;
    box-shadow: var(--shadow); flex-shrink: 0; border: 1.5px solid var(--border);
}
.hv2-testi-stars { color: var(--gold); font-size: 0.85rem; margin-bottom: 8px; }
.hv2-testi-card p { font-size: 0.7rem; color: var(--text); font-style: italic; line-height: 1.5; margin-bottom: 12px; }
.hv2-testi-author { display: flex; align-items: center; gap: 8px; }
.hv2-testi-avatar {
    width: 32px; height: 32px; border-radius: 50%; background: linear-gradient(135deg, var(--navy), var(--green));
    display: flex; align-items: center; justify-content: center; color: #fff; font-size: 0.75rem; font-weight: 700;
}
.hv2-testi-author b { font-size: 0.72rem; font-weight: 700; color: var(--navy); }
.hv2-testi-author small { display: block; font-size: 0.6rem; color: var(--muted); }
.hv2-testi-dots { display: flex; gap: 6px; justify-content: center; margin-top: 14px; }
.hv2-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--border); }
.hv2-dot.active { background: var(--navy); }

/* ABOUT */
.hv2-about { background: var(--white); padding: 28px 16px; }
.hv2-about-text { font-size: 0.72rem; color: var(--muted); line-height: 1.7; margin-bottom: 20px; max-width: 72rem; margin-left: auto; margin-right: auto; }
.hv2-about-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; text-align: center; max-width: 72rem; margin: 0 auto; }
.hv2-stat-item .stat-icon { font-size: 1.3rem; margin-bottom: 4px; }
.hv2-stat-item b { display: block; font-family: 'Poppins', sans-serif; font-size: 0.95rem; font-weight: 800; color: var(--navy); }
.hv2-stat-item small { font-size: 0.55rem; color: var(--muted); line-height: 1.3; }

/* PARTNER */
.hv2-partner-banner {
    background: linear-gradient(135deg, var(--navy) 0%, #153d8a 100%);
    padding: 28px 20px; position: relative; overflow: hidden;
}
.hv2-partner-banner::before {
    content: ''; position: absolute; top: -40px; right: -40px;
    width: 160px; height: 160px; border-radius: 50%;
    background: rgba(245,168,0,0.12);
}
.hv2-partner-inner { max-width: 72rem; margin: 0 auto; position: relative; z-index: 1; }
.hv2-partner-banner h3 { font-family: 'Poppins', sans-serif; font-size: 1.2rem; color: #fff; font-weight: 700; margin-bottom: 6px; }
.hv2-partner-banner p { font-size: 0.72rem; color: rgba(255,255,255,0.75); margin-bottom: 16px; line-height: 1.5; max-width: 420px; }
.hv2-btn-join {
    background: var(--gold); color: var(--navy);
    font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.82rem;
    border: none; border-radius: 8px; padding: 12px 22px;
    cursor: pointer; display: inline-flex; align-items: center; gap: 6px; margin-bottom: 14px;
}
.hv2-btn-join:hover { background: #e59700; }
.hv2-partner-perks { display: flex; flex-wrap: wrap; gap: 16px; }
.hv2-perk { display: flex; align-items: center; gap: 6px; }
.hv2-perk-icon {
    width: 28px; height: 28px; border-radius: 50%; border: 1.5px solid rgba(255,255,255,0.25);
    display: flex; align-items: center; justify-content: center; font-size: 0.85rem;
}
.hv2-perk small { font-size: 0.62rem; color: rgba(255,255,255,0.85); font-weight: 600; }

.hv2-disclaimer-bar { background: var(--light-gray); padding: 12px 16px; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.hv2-disclaimer-bar p { font-size: 0.68rem; color: var(--text); text-align: center; max-width: 48rem; margin: 0 auto; line-height: 1.5; }

/* ELIGIBILITY FORM */
#eligibility { background: linear-gradient(180deg, var(--light-gray) 0%, #fff 100%); padding: 36px 16px; }
.eligibility-wrap { max-width: 56rem; margin: 0 auto; }
.eligibility-head { text-align: center; margin-bottom: 24px; }
.eligibility-head h2 { font-family: 'Poppins', sans-serif; font-size: 1.25rem; color: var(--navy); font-weight: 700; margin-top: 8px; }
.eligibility-head p { font-size: 0.78rem; color: var(--muted); margin-top: 6px; }
#eligibilityForm {
    background: var(--white); border-radius: 16px; padding: 20px;
    border: 1.5px solid var(--border); box-shadow: var(--shadow);
}
#eligibilityForm label { display: block; font-size: 0.72rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; margin-top: 12px; }
#eligibilityForm label:first-of-type { margin-top: 0; }
#eligibilityForm input, #eligibilityForm select {
    width: 100%; padding: 12px; border: 1.5px solid var(--border); border-radius: 8px;
    font-size: 16px; font-family: inherit; background: #fff;
}
#eligibilityForm input:focus, #eligibilityForm select:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 2px rgba(45,184,75,0.2); }
.form-row-2 { display: grid; grid-template-columns: 1fr; gap: 0; }
#optionalAmountRow { display: none; }
#optionalAmountRow.show { display: block; }
.consent-label { display: flex; align-items: flex-start; gap: 8px; margin-top: 14px; cursor: pointer; font-size: 0.68rem; color: var(--muted); line-height: 1.5; }
.consent-label input { width: auto; margin-top: 3px; flex-shrink: 0; }
.consent-label a { color: var(--green); text-decoration: underline; }
.btn-submit {
    width: 100%; margin-top: 16px; padding: 14px; background: var(--green); color: #fff;
    border: none; border-radius: 8px; font-family: 'Poppins', sans-serif; font-weight: 700;
    font-size: 0.88rem; cursor: pointer; min-height: 48px;
}
.btn-submit:hover { background: #25a340; }
.btn-submit:disabled { opacity: 0.7; cursor: not-allowed; }

/* FOOTER */
footer { background: var(--navy); padding: 24px 16px 20px; }
.footer-inner { max-width: 72rem; margin: 0 auto; }
.footer-contacts { display: flex; flex-direction: column; gap: 10px; margin-bottom: 16px; }
.contact-row { display: flex; align-items: flex-start; gap: 8px; color: rgba(255,255,255,0.85); font-size: 0.72rem; line-height: 1.4; }
.contact-row .cicon { font-size: 1rem; flex-shrink: 0; }
.contact-row a:hover { text-decoration: underline; }
.footer-links-row { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 14px; }
.footer-links-row a { font-size: 0.68rem; color: rgba(255,255,255,0.7); }
.footer-links-row a:hover { color: #fff; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.12); padding-top: 12px;
    display: flex; flex-direction: column; gap: 10px;
}
@media (min-width: 640px) {
    .footer-bottom { flex-direction: row; justify-content: space-between; align-items: center; }
}
.footer-bottom small { font-size: 0.6rem; color: rgba(255,255,255,0.5); }
.footer-links { display: flex; gap: 12px; }
.footer-links a { font-size: 0.6rem; color: rgba(255,255,255,0.65); }
.footer-links a:hover { color: #fff; }

.whatsapp-fab {
    position: fixed; bottom: 20px; right: 16px;
    width: 52px; height: 52px; border-radius: 50%;
    background: #25d366; display: flex; align-items: center; justify-content: center;
    font-size: 1.6rem; color: #fff; box-shadow: 0 4px 16px rgba(37,211,102,0.4);
    z-index: 999; transition: transform 0.2s;
}
.whatsapp-fab:hover { transform: scale(1.08); }

/* DESKTOP */
.hv2-connected .subtitle {
    text-align: center;
    font-size: 0.72rem;
    color: var(--muted);
    margin: -10px 0 20px;
    line-height: 1.5;
    padding: 0 8px;
}
.hv2-about-stats .stat-icon {
    font-size: 1.3rem;
    margin-bottom: 4px;
}

/* Our Services – detailed image cards */
.hv2-services-detail {
    background: var(--light-gray);
    padding: 36px 16px 40px;
}
.hv2-services-detail-sub {
    text-align: center;
    font-size: 0.78rem;
    color: var(--muted);
    margin: -8px auto 24px;
    max-width: 36rem;
    line-height: 1.55;
    padding: 0 8px;
}
.hv2-svc-detail-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    max-width: 72rem;
    margin: 0 auto;
}
.hv2-svc-detail-card {
    display: flex;
    flex-direction: column;
    background: var(--white);
    border-radius: 16px;
    border: 1.5px solid var(--border);
    box-shadow: var(--shadow);
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.hv2-svc-detail-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(10, 45, 110, 0.12);
    border-color: rgba(45, 184, 75, 0.45);
}
.hv2-svc-detail-card--featured {
    border-color: var(--green);
    border-width: 2px;
}
.hv2-svc-detail-media {
    background: linear-gradient(180deg, #e8f0fb 0%, #f8fafc 100%);
    padding: 16px 16px 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 140px;
}
.hv2-svc-detail-media img {
    width: 100%;
    max-height: 120px;
    object-fit: contain;
    object-position: center;
}
.hv2-svc-detail-media--icon {
    min-height: 100px;
}
.hv2-svc-detail-media--icon span {
    font-size: 2.5rem;
    line-height: 1;
}
.hv2-svc-detail-body {
    padding: 16px 18px 18px;
    flex: 1;
    display: flex;
    flex-direction: column;
}
.hv2-svc-detail-body h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy);
    margin: 0 0 6px;
}
.hv2-svc-detail-body > p {
    font-size: 0.72rem;
    color: var(--muted);
    line-height: 1.45;
    margin: 0 0 12px;
}
.hv2-svc-detail-body ul {
    list-style: none;
    margin: 0 0 14px;
    padding: 0;
    flex: 1;
}
.hv2-svc-detail-body ul li {
    position: relative;
    padding: 5px 0 5px 18px;
    font-size: 0.7rem;
    color: var(--text);
    line-height: 1.35;
}
.hv2-svc-detail-body ul li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--green);
    font-weight: 700;
}
.hv2-svc-detail-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--green);
    margin-top: auto;
}
.hv2-svc-detail-card:hover .hv2-svc-detail-cta {
    color: var(--navy);
}
.hv2-svc-detail-cta i {
    font-size: 0.85rem;
    transition: transform 0.2s ease;
}
.hv2-svc-detail-card:hover .hv2-svc-detail-cta i {
    transform: translateX(3px);
}

/* ========== DESKTOP ONLY (min-width: 1024px) — mobile/tablet unchanged ========== */
@media (min-width: 1024px) {
    /* Header */
    .main-header .header-container {
        flex-wrap: nowrap;
        padding: 12px 24px;
        gap: 12px;
    }
    .main-header .logo-section {
        flex-shrink: 0;
    }
    .main-header .logo-section img {
        width: auto;
        height: 50px;
        border-radius: 8px;
        object-fit: contain;
    }
    .main-header .main-logo {
        font-size: 1.65rem;
        background: linear-gradient(135deg, var(--navy) 0%, var(--gold) 45%, var(--green) 100%);
        -webkit-background-clip: text;
        background-clip: text;
        -webkit-text-fill-color: transparent;
    }
    .main-header .sub-logo {
        font-size: 0.7rem;
    }
    .main-header .logo-text::after {
        font-size: 0.65rem;
    }
    .main-header .main-nav {
        display: flex !important;
        flex: 1;
        min-width: 0;
    }
    .main-header .mobile-menu-toggle {
        display: none !important;
    }
    .hv2-header-apply {
        display: inline-flex;
        align-items: center;
        font-size: 0.82rem;
        padding: 10px 20px;
    }

    /* Hero */
    .hv2-hero {
        padding: 48px 32px 0;
    }
    .hv2-hero-inner {
        max-width: 80rem;
    }
    .hv2-hero-layout {
        display: grid;
        grid-template-columns: 1.05fr 0.95fr;
        gap: 40px;
        align-items: end;
    }
    .hv2-hero-text .unlock {
        font-size: 1.05rem;
    }
    .hv2-hero-text h1 {
        font-size: 2.75rem;
    }
    .hv2-hero-text .subtitle {
        font-size: 0.9rem;
        max-width: 28rem;
    }
    .hv2-hero-features {
        gap: 14px;
        margin: 24px 0;
    }
    .hv2-feature-item b {
        font-size: 0.75rem;
    }
    .hv2-feature-item small {
        font-size: 0.65rem;
    }
    .hv2-feature-icon {
        width: 48px;
        height: 48px;
        font-size: 1.25rem;
    }
    .hv2-hero-cta {
        max-width: 420px;
        margin-bottom: 28px;
    }
    .hv2-btn-primary,
    .hv2-btn-outline {
        flex: 0 1 auto;
        min-width: 180px;
        padding: 14px 20px;
        font-size: 0.85rem;
    }
    .hv2-hero-image-wrap {
        margin-top: 0;
        justify-content: flex-end;
    }
    .hv2-hero-image-wrap picture {
        max-width: 100%;
    }
    .hv2-hero-image-wrap img {
        max-height: 420px;
    }

    /* Section spacing */
    .hv2-section-label {
        font-size: 0.8rem;
        margin-bottom: 22px;
    }
    .hv2-loan-services,
    .hv2-smart-tools,
    .hv2-why-choose,
    .hv2-how-works,
    .hv2-connected,
    .hv2-about,
    .hv2-testimonials {
        padding: 52px 32px;
    }
    .hv2-fraud-strip {
        font-size: 0.75rem;
        padding: 10px 32px;
    }

    /* Loan services – desktop grid (4 cols; 7 in one row on wide screens) */
    .hv2-loan-services .hv2-services-scroll,
    .hv2-services-scroll {
        display: grid;
        grid-template-columns: repeat(4, 1fr);
        overflow: visible;
        gap: 16px;
        padding: 0 32px;
        max-width: 80rem;
    }
    .main-header .nav-item > a {
        font-size: 12px;
        gap: 4px;
        padding: 8px 0;
    }
    .main-header .main-nav {
        gap: 18px;
    }
    .hv2-service-card {
        min-width: 0;
    }
    .hv2-service-card b {
        font-size: 0.75rem;
    }
    .hv2-service-card p {
        font-size: 0.62rem;
    }

    /* Smart tools */
    .hv2-tools-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 20px;
        max-width: 80rem;
        padding: 0 8px;
    }
    .hv2-tool-card {
        flex-direction: column;
        align-items: stretch;
        text-align: center;
        padding: 24px 20px;
    }
    .hv2-tool-card:hover {
        transform: translateY(-4px);
    }
    .hv2-tool-icon {
        margin: 0 auto 8px;
    }

    /* Why choose */
    .hv2-why-grid {
        grid-template-columns: repeat(5, 1fr);
        gap: 24px;
        max-width: 80rem;
        padding: 0 8px;
    }
    .hv2-why-item {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }
    .hv2-why-icon {
        width: 44px;
        height: 44px;
        font-size: 1.15rem;
    }
    .hv2-why-item b {
        font-size: 0.82rem;
    }
    .hv2-why-item small {
        font-size: 0.7rem;
    }

    /* How it works */
    .hv2-steps {
        max-width: 80rem;
        padding: 0 16px;
    }
    .hv2-step b {
        font-size: 0.78rem;
    }
    .hv2-step small {
        font-size: 0.68rem;
    }
    .hv2-step-num {
        width: 38px;
        height: 38px;
        font-size: 0.9rem;
    }

    /* Connected */
    .hv2-connected .subtitle {
        font-size: 0.82rem;
        margin-bottom: 28px;
    }
    .hv2-connected-grid {
        grid-template-columns: repeat(4, 1fr);
        gap: 24px;
        max-width: 80rem;
    }
    .hv2-connected-item b {
        font-size: 0.82rem;
    }
    .hv2-connected-item small {
        font-size: 0.72rem;
    }

    /* About */
    .hv2-about-layout {
        display: grid;
        grid-template-columns: 1.25fr 1fr;
        gap: 40px;
        align-items: start;
        max-width: 80rem;
        margin: 0 auto;
        padding: 0 8px;
    }
    .hv2-about-text {
        font-size: 0.88rem;
        margin-bottom: 0;
    }
    .hv2-about-stats {
        gap: 16px;
    }
    .hv2-stat-item b {
        font-size: 1.1rem;
    }
    .hv2-stat-item small {
        font-size: 0.62rem;
    }
    .hv2-about .hv2-btn-primary {
        max-width: 240px;
    }

    /* Testimonials */
    .hv2-testi-scroll {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        overflow: visible;
        gap: 20px;
        max-width: 80rem;
        margin: 0 auto;
        padding: 0 8px;
    }
    .hv2-testi-card {
        min-width: 0;
    }
    .hv2-testi-card p {
        font-size: 0.78rem;
    }
    .hv2-testi-dots {
        display: none;
    }

    /* Partner banner */
    .hv2-partner-banner {
        padding: 40px 32px;
    }
    .hv2-partner-inner {
        max-width: 80rem;
    }
    .hv2-partner-banner h3 {
        font-size: 1.5rem;
    }
    .hv2-partner-banner p {
        font-size: 0.85rem;
        max-width: 520px;
    }

    /* Our Services detail – 3 columns for 7 cards */
    .hv2-services-detail {
        padding: 56px 32px 60px;
    }
    .hv2-services-detail-sub {
        font-size: 0.88rem;
        margin-bottom: 32px;
    }
    .hv2-svc-detail-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 24px;
        max-width: 80rem;
    }
    .hv2-svc-detail-media {
        min-height: 170px;
    }
    .hv2-svc-detail-media img {
        max-height: 150px;
    }
    .hv2-svc-detail-body h3 {
        font-size: 1.1rem;
    }
    .hv2-svc-detail-body > p {
        font-size: 0.78rem;
    }
    .hv2-svc-detail-body ul li {
        font-size: 0.75rem;
    }

    /* Calculator / CIBIL sections (modern-ui containers) */
    body.home-v2 .tools-section {
        padding: 56px 32px;
    }
    body.home-v2 .tools-section .section-container {
        max-width: 80rem;
        margin: 0 auto;
        padding: 0 8px;
    }
    body.home-v2 .tools-section .section-title {
        font-size: 2rem;
    }
    body.home-v2 .tools-section .section-subtitle {
        font-size: 1rem;
    }
    body.home-v2 .cibil-calculator-wrap,
    body.home-v2 .emi-calculator-wrap,
    body.home-v2 .calculator-wrap {
        max-width: 1000px;
        gap: 48px;
    }

    /* Partners text section */
    body.home-v2 .partners-section {
        padding: 48px 32px;
    }
    body.home-v2 .partners-section .section-container {
        max-width: 80rem;
        margin: 0 auto;
    }
}

/* Wide desktop */
@media (min-width: 1280px) {
    .hv2-services-scroll {
        grid-template-columns: repeat(7, 1fr);
        gap: 18px;
    }
    .hv2-hero-text h1 {
        font-size: 3rem;
    }
    .main-header .nav-item > a {
        font-size: 14px;
    }
    .main-header .main-nav {
        gap: 26px;
    }
}
@media (max-width: 400px) {
    .hv2-hero-text h1 { font-size: 1.55rem; }
    .hv2-about-stats { grid-template-columns: repeat(2, 1fr); }
    .hv2-hero-cta { flex-direction: column; }
}
@media (max-width: 640px) {
    input, select, textarea, button { font-size: 16px !important; }
}