/* =========================
KREDITKOSH STYLE SHEET
========================= */

*{
margin:0;
padding:0;
box-sizing:border-box;
}

html{
scroll-behavior:smooth;
}

body{
font-family:'Poppins',sans-serif;
background:#f8fafc;
color:#222;
line-height:1.6;
overflow-x:hidden;
}

img{
max-width:100%;
display:block;
}

a{
text-decoration:none;
}

ul{
list-style:none;
}

.container{
width:90%;
max-width:1200px;
margin:auto;
}

/* =========================
TOP BAR
========================= */

.top-bar{
background:#0052cc;
padding:10px 0;
color:#fff;
font-size:14px;
}

.top-bar .container{
display:flex;
justify-content:space-between;
align-items:center;
}

.top-right{
display:flex;
gap:20px;
}

.top-right a{
color:#fff;
font-weight:500;
}

/* =========================
HEADER
========================= */

.header{
background:#fff;
box-shadow:0 2px 20px rgba(0,0,0,0.06);
position:sticky;
top:0;
z-index:999;
}

.header .container{
display:flex;
justify-content:space-between;
align-items:center;
padding:18px 0;
}

.logo-section{
display:flex;
align-items:center;
gap:12px;
}

.kk-logo{
width:55px;
height:55px;
background:#0052cc;
border-radius:50%;
display:flex;
align-items:center;
justify-content:center;
font-size:28px;
font-weight:700;
color:#fff;
}

.logo-text h2{
font-size:24px;
font-weight:700;
color:#0052cc;
}

.logo-text p{
font-size:13px;
color:#666;
}

.desktop-menu{
display:flex;
gap:35px;
}

.desktop-menu a{
color:#222;
font-weight:500;
transition:0.3s;
}

.desktop-menu a:hover{
color:#0052cc;
}

.whatsapp-btn{
background:#25D366;
color:#fff;
padding:12px 22px;
border-radius:8px;
font-weight:600;
transition:.3s;
}

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

/* =========================
HERO
========================= */

.hero{
padding:80px 0;
background:linear-gradient(
135deg,
#eef5ff,
#ffffff
);
}

.hero-grid{
display:grid;
grid-template-columns:1fr 450px;
gap:60px;
align-items:center;
}

.hero-badge{
display:inline-block;
background:#dbeafe;
color:#0052cc;
padding:10px 18px;
border-radius:50px;
font-size:14px;
font-weight:600;
margin-bottom:20px;
}

.hero h1{
font-size:58px;
line-height:1.1;
font-weight:800;
margin-bottom:20px;
}

.hero h1 span{
color:#0052cc;
}

.hero p{
font-size:18px;
color:#666;
margin-bottom:30px;
}

.trust-points{
display:grid;
grid-template-columns:repeat(2,1fr);
gap:15px;
}

.trust-points div{
background:#fff;
padding:15px;
border-radius:10px;
box-shadow:0 2px 15px rgba(0,0,0,0.05);
font-weight:500;
}

/* =========================
LEAD CARD
========================= */

.lead-card{
background:#fff;
padding:35px;
border-radius:20px;
box-shadow:0 10px 40px rgba(0,0,0,0.08);
}

.lead-card h3{
font-size:28px;
margin-bottom:25px;
color:#0052cc;
}

.form-group{
margin-bottom:18px;
}

.form-group input,
.form-group select{
width:100%;
padding:15px;
border:1px solid #ddd;
border-radius:10px;
font-size:15px;
outline:none;
transition:.3s;
}

.form-group input:focus,
.form-group select:focus{
border-color:#0052cc;
}

.apply-btn{
width:100%;
background:#0052cc;
color:#fff;
border:none;
padding:16px;
border-radius:10px;
font-size:16px;
font-weight:600;
cursor:pointer;
transition:.3s;
}

.apply-btn:hover{
background:#003fa1;
}

.secure-note{
margin-top:15px;
font-size:14px;
text-align:center;
color:#777;
}

/* =========================
TRUST BAR
========================= */

.trust-bar{
background:#fff;
padding:50px 0;
}

.trust-bar .container{
display:grid;
grid-template-columns:repeat(4,1fr);
gap:20px;
}

.trust-item{
text-align:center;
padding:25px;
background:#f8fafc;
border-radius:15px;
}

.trust-item h2{
color:#0052cc;
font-size:36px;
margin-bottom:10px;
}

.trust-item p{
color:#666;
}

/* =========================
SECTION HEADINGS
========================= */

.section-heading{
text-align:center;
margin-bottom:50px;
}

.section-heading h2{
font-size:42px;
margin-bottom:10px;
color:#111;
}

.section-heading p{
color:#666;
}

/* =========================
POPULAR LOANS
========================= */

.popular-loans,
.loan-category{
padding:90px 0;
}

.loan-grid{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:25px;
}

.loan-card{
background:#fff;
padding:30px;
border-radius:20px;
text-align:center;
transition:.3s;
box-shadow:0 4px 20px rgba(0,0,0,0.05);
}

.loan-card:hover{
transform:translateY(-8px);
}

.loan-icon{
width:100px;
height:100px;
margin:auto;
margin-bottom:20px;
border-radius:50%;
overflow:hidden;
background:#eef5ff;
display:flex;
align-items:center;
justify-content:center;
}

.loan-card h3{
margin-bottom:12px;
font-size:22px;
}

.loan-card p{
color:#666;
margin-bottom:15px;
}

.loan-card a{
color:#0052cc;
font-weight:600;
}/* =========================
ADVERTISEMENT SECTION
========================= */

.ad-section{
padding:40px 0;
background:#fff;
}

.ad-banner{
border-radius:20px;
overflow:hidden;
box-shadow:0 10px 30px rgba(0,0,0,0.08);
}

.ad-banner img{
width:100%;
height:auto;
display:block;
}

/* =========================
LIGHT BACKGROUND
========================= */

.bg-light{
background:#f8fafc;
}

/* =========================
WHY KREDITKOSH
========================= */

.why-kreditkosh{
padding:90px 0;
background:#ffffff;
}

.why-grid{
display:grid;
grid-template-columns:repeat(4,1fr);
gap:25px;
}

.why-card{
background:#f8fafc;
padding:30px;
border-radius:20px;
text-align:center;
transition:.3s;
border:1px solid #eef2f7;
}

.why-card:hover{
transform:translateY(-8px);
box-shadow:0 10px 30px rgba(0,0,0,0.08);
}

.why-card h3{
font-size:22px;
margin-bottom:12px;
color:#0052cc;
}

.why-card p{
color:#666;
}

/* =========================
FINAL LEAD SECTION
========================= */

.final-lead-section{
padding:90px 0;
background:linear-gradient(
135deg,
#0052cc,
#1e88e5
);
}

.lead-wrapper{
background:#fff;
padding:50px;
border-radius:25px;
display:grid;
grid-template-columns:1fr 1fr;
gap:40px;
align-items:center;
}

.lead-badge{
display:inline-block;
background:#dbeafe;
color:#0052cc;
padding:10px 16px;
border-radius:30px;
font-size:14px;
font-weight:600;
margin-bottom:20px;
}

.lead-content h2{
font-size:42px;
margin-bottom:15px;
}

.lead-content p{
color:#666;
}

.form-row{
display:grid;
grid-template-columns:1fr 1fr;
gap:15px;
margin-bottom:15px;
}

.form-row input,
.form-row select{
width:100%;
padding:15px;
border:1px solid #ddd;
border-radius:10px;
font-size:15px;
outline:none;
}

.primary-btn{
background:#0052cc;
color:#fff;
border:none;
padding:16px 30px;
border-radius:10px;
font-size:16px;
font-weight:600;
cursor:pointer;
transition:.3s;
}

.primary-btn:hover{
background:#003fa1;
}

/* =========================
CONTACT SECTION
========================= */

.contact-section{
padding:90px 0;
background:#fff;
}

.contact-grid{
display:grid;
grid-template-columns:repeat(4,1fr);
gap:25px;
}

.contact-card{
background:#f8fafc;
padding:30px;
border-radius:20px;
text-align:center;
transition:.3s;
}

.contact-card:hover{
transform:translateY(-6px);
}

.contact-icon{
font-size:42px;
margin-bottom:15px;
}

.contact-card h3{
margin-bottom:10px;
color:#0052cc;
}

.contact-card p{
color:#666;
}

/* =========================
FOOTER
========================= */

.footer{
background:#0f172a;
color:#fff;
padding-top:70px;
}

.footer-grid{
display:grid;
grid-template-columns:2fr 1fr 1fr 1fr;
gap:40px;
padding-bottom:50px;
}

.footer h3,
.footer h4{
margin-bottom:15px;
}

.footer p{
color:#cbd5e1;
}

.footer ul li{
margin-bottom:10px;
color:#cbd5e1;
}

.footer-bottom{
border-top:1px solid rgba(255,255,255,.1);
padding:20px 0;
text-align:center;
color:#cbd5e1;
}

/* =========================
FLOATING BUTTONS
========================= */

.floating-whatsapp{
position:fixed;
right:20px;
bottom:90px;
width:60px;
height:60px;
background:#25D366;
border-radius:50%;
display:flex;
align-items:center;
justify-content:center;
font-size:28px;
color:#fff;
z-index:999;
box-shadow:0 10px 25px rgba(0,0,0,0.2);
}

.floating-call{
position:fixed;
right:20px;
bottom:20px;
width:60px;
height:60px;
background:#0052cc;
border-radius:50%;
display:flex;
align-items:center;
justify-content:center;
font-size:28px;
color:#fff;
z-index:999;
box-shadow:0 10px 25px rgba(0,0,0,0.2);
}

/* =========================
TABLET RESPONSIVE
========================= */

@media(max-width:992px){

.hero-grid{
grid-template-columns:1fr;
}

.loan-grid{
grid-template-columns:repeat(2,1fr);
}

.why-grid{
grid-template-columns:repeat(2,1fr);
}

.contact-grid{
grid-template-columns:repeat(2,1fr);
}

.footer-grid{
grid-template-columns:repeat(2,1fr);
}

.lead-wrapper{
grid-template-columns:1fr;
}

.hero h1{
font-size:44px;
}

}

/* =========================
MOBILE RESPONSIVE
========================= */

@media(max-width:768px){

.container{
width:94%;
}

.top-bar .container{
flex-direction:column;
gap:10px;
}

.desktop-menu{
display:none;
}

.header .container{
padding:15px 0;
}

.hero{
padding:50px 0;
}

.hero h1{
font-size:34px;
}

.hero p{
font-size:16px;
}

.trust-points{
grid-template-columns:1fr;
}

.loan-grid{
grid-template-columns:1fr;
}

.why-grid{
grid-template-columns:1fr;
}

.contact-grid{
grid-template-columns:1fr;
}

.footer-grid{
grid-template-columns:1fr;
}

.form-row{
grid-template-columns:1fr;
}

.trust-bar .container{
grid-template-columns:repeat(2,1fr);
}

.section-heading h2{
font-size:30px;
}

.lead-content h2{
font-size:30px;
}

.lead-wrapper{
padding:25px;
}

.logo-text h2{
font-size:20px;
}

.logo-text p{
font-size:12px;
}

.whatsapp-btn{
padding:10px 16px;
font-size:14px;
}

}

/* =========================
SMALL MOBILE
========================= */

@media(max-width:480px){

.hero h1{
font-size:28px;
}

.trust-bar .container{
grid-template-columns:1fr;
}

.lead-card{
padding:25px;
}

.section-heading h2{
font-size:26px;
}

.loan-card{
padding:25px;
}

.contact-card{
padding:25px;
}

}