/* ==========================================================================
   MYCRED — Eligibility Check page
   Page-scoped styles. Everything here is namespaced `pe-` (or nested under
   `.pe-page`) so it cannot leak into the shared pages that load styles.css.

   Design system is inherited wholesale from styles.css: monochrome dark
   canvas, sharp corners, hard zero-blur offset shadows (neoPOP), serif
   display headings, mono kickers. The one recurring "pop" move on this page
   is the inverted light panel (--chip / --on-chip) used for the offer card,
   which is where we want the eye to land.
   ========================================================================== */

.pe-page {
    background: var(--bg);
}

/* Sticky mobile CTA sits over the page bottom — reserve room for it so it
   never covers the last line of the footer. */
@media (max-width: 900px) {
    .pe-page { padding-bottom: 82px; }
}

/* ==========================================================================
   HERO
   ========================================================================== */
.pe-hero {
    position: relative;
    background: var(--bg-deep);
    padding: calc(var(--nav-h) + 56px) 0 84px;
    overflow: hidden;
}

/* A single soft light source behind the offer card — the only non-flat
   element on the page, kept very low contrast. */
.pe-hero::before {
    content: '';
    position: absolute;
    inset: 0 0 0 38%;
    background: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/personal_loan.png') right center / cover no-repeat;
    opacity: .5;
    /* fade it into the page on both axes so it reads as atmosphere, never as
       a photo pasted behind the text */
    -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 45%), linear-gradient(to bottom, transparent 0%, #000 22%, #000 72%, transparent 100%);
    -webkit-mask-composite: source-in;
    mask-image: linear-gradient(to right, transparent 0%, #000 45%), linear-gradient(to bottom, transparent 0%, #000 22%, #000 72%, transparent 100%);
    mask-composite: intersect;
    pointer-events: none;
}

.pe-hero > .container { position: relative; z-index: 1; }

.pe-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);
    gap: clamp(36px, 5vw, 72px);
    align-items: start;
}

/* ---------- hero copy ---------- */
.pe-kicker {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-mono);
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--muted);
    margin-bottom: 22px;
}

.pe-kicker-dot {
    width: 7px;
    height: 7px;
    background: var(--chip);
    border-radius: 50%;
    flex-shrink: 0;
    animation: pe-pulse 2.4s ease-in-out infinite;
}

@keyframes pe-pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50%      { opacity: .35; transform: scale(.8); }
}

.pe-hero-title {
    font-size: clamp(2.1rem, 5vw, 3.5rem);
    line-height: 1.08;
    color: var(--ink);
    margin-bottom: 20px;
    max-width: 15ch;
}

.pe-title-accent {
    font-style: italic;
    color: var(--ink-2);
}

/* The emotional promise, in the language most of our customers think in.
   Sits between the headline and the explanatory copy so it is read second. */
.pe-hinglish {
    display: flex;
    flex-direction: column;
    gap: 5px;
    padding-left: 16px;
    border-left: 2px solid var(--chip);
    margin-bottom: 22px;
}

.pe-hinglish-main {
    font-family: var(--font-display);
    font-size: clamp(1.25rem, 2.4vw, 1.7rem);
    line-height: 1.2;
    color: var(--ink);
}

.pe-hinglish-sub {
    font-size: .9rem;
    line-height: 1.55;
    color: var(--body);
}

.pe-hero-sub {
    font-size: clamp(1rem, 1.4vw, 1.1rem);
    color: var(--body);
    line-height: 1.7;
    max-width: 56ch;
    margin-bottom: 26px;
}

/* The single most important trust line on the page — given its own plate. */
.pe-soft-check {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: .92rem;
    line-height: 1.6;
    color: var(--ink-2);
    background: var(--surface);
    border: 1px solid var(--line);
    border-left: 3px solid var(--chip);
    padding: 15px 18px;
    border-radius: var(--r-sm);
    max-width: 58ch;
    margin-bottom: 32px;
}

.pe-soft-check i {
    color: var(--chip);
    font-size: 1rem;
    margin-top: 3px;
    flex-shrink: 0;
}

.pe-soft-check strong { color: var(--ink); font-weight: 600; }

.pe-hero-cta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 18px 26px;
    margin-bottom: 30px;
}

.pe-hero-call {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    color: var(--ink-2);
    transition: color .2s ease;
}

.pe-hero-call:hover { color: var(--ink); }

.pe-hero-call i {
    display: grid;
    place-items: center;
    width: 42px;
    height: 42px;
    flex-shrink: 0;
    border: 1px solid var(--line-2);
    border-radius: 50%;
    font-size: .85rem;
}

.pe-hero-call span {
    display: flex;
    flex-direction: column;
    font-size: .95rem;
    font-weight: 600;
    line-height: 1.35;
}

.pe-hero-call strong {
    font-family: var(--font-mono);
    font-size: .66rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: var(--muted);
}

.pe-hero-assurances {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 26px;
    padding-top: 26px;
    border-top: 1px solid var(--line);
}

.pe-hero-assurances li {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-size: .87rem;
    color: var(--body);
}

.pe-hero-assurances i { font-size: .72rem; color: var(--ink-2); }

/* The three routes, stated above the fold so an existing borrower knows
   straight away that this page is for them too. */
.pe-hero-routes {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 26px;
}

.pe-hero-routes li {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: .8rem;
    font-weight: 600;
    color: var(--ink-2);
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 8px 13px;
}

.pe-hero-routes i { font-size: .78rem; color: var(--muted); }

/* ---------- inverted offer card ---------- */
.pe-offer-card {
    background: var(--chip);
    color: var(--on-chip);
    border-radius: var(--r-sm);
    padding: clamp(24px, 3vw, 34px);
    box-shadow: 10px 10px 0 0 rgba(255, 255, 255, .07);
    position: sticky;
    top: 32px;
}

.pe-offer-head {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    padding-bottom: 18px;
    margin-bottom: 22px;
    border-bottom: 1px solid rgba(10, 10, 11, .14);
}

.pe-offer-label {
    font-family: var(--font-mono);
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: rgba(10, 10, 11, .58);
}

.pe-offer-live {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-size: .7rem;
    font-weight: 600;
    color: rgba(10, 10, 11, .58);
}

.pe-live-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--on-chip);
    animation: pe-pulse 2.4s ease-in-out infinite;
}

.pe-offer-list { display: grid; gap: 2px; margin-bottom: 26px; }

.pe-offer-list li {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    padding: 15px 0;
    border-bottom: 1px solid rgba(10, 10, 11, .09);
}

.pe-offer-list li:last-child { border-bottom: none; }

/* The headline number. Given a tinted plate and a flag so the eye stops here
   before anywhere else in the card. */
.pe-offer-hero {
    background: rgba(10, 10, 11, .05);
    border-radius: var(--r-sm);
    margin: 4px -12px;
    padding: 16px 12px !important;
}

.pe-offer-flag {
    display: inline-block;
    align-self: flex-start;
    font-family: var(--font-mono);
    font-size: .58rem;
    font-weight: 700;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--chip);
    background: var(--on-chip);
    border-radius: 999px;
    padding: 3px 9px;
    margin-bottom: 5px;
}

.pe-offer-hero .pe-offer-text strong { font-size: clamp(1.14rem, 2vw, 1.35rem); }
.pe-offer-hero .pe-offer-icon { background: var(--on-chip); }

.pe-offer-icon {
    display: grid;
    place-items: center;
    width: 38px;
    height: 38px;
    flex-shrink: 0;
    background: var(--on-chip);
    color: var(--chip);
    border-radius: var(--r-sm);
    font-size: .88rem;
}

.pe-offer-text { display: flex; flex-direction: column; gap: 3px; min-width: 0; }

.pe-offer-text strong {
    font-family: var(--font-head);
    font-size: clamp(1.02rem, 1.6vw, 1.16rem);
    font-weight: 700;
    letter-spacing: -.01em;
    color: var(--on-chip);
    line-height: 1.25;
}

.pe-offer-text sup {
    font-size: .62em;
    margin-left: 1px;
    color: rgba(10, 10, 11, .5);
}

.pe-offer-text em {
    font-style: normal;
    font-size: .82rem;
    line-height: 1.5;
    color: rgba(10, 10, 11, .62);
}

/* The page CTA is a light button by default; inside the light card it has to
   invert back to dark to stay visible. */
.pe-offer-card .pe-offer-cta {
    background: var(--on-chip);
    color: var(--chip);
    border: 1px solid var(--on-chip);
    box-shadow: 4px 4px 0 0 rgba(10, 10, 11, .18);
}

.pe-offer-card .pe-offer-cta:hover {
    background: #000;
    color: #fff;
    box-shadow: 6px 6px 0 0 rgba(10, 10, 11, .22);
}

.pe-offer-card .pe-offer-cta:active { box-shadow: 2px 2px 0 0 rgba(10, 10, 11, .18); }

/* ==========================================================================
   SHARED SECTION RHYTHM
   ========================================================================== */
.pe-section { padding: clamp(52px, 6.5vw, 88px) 0; }

/* the page carries a lot of sections — keep the header block compact so the
   content, not the preamble, does the talking */
.pe-page .section-header { margin-bottom: 42px; }
.pe-page .section-subtitle { font-size: .95rem; }

.pe-page .pe-how,
.pe-page .pe-trust,
.pe-page .pe-faq { background: var(--bg); }

/* The stats strip already carries bottom padding, so the section that follows
   it does not need a full one on top. */
.pe-page .pe-how { padding-top: clamp(28px, 3.5vw, 48px); }
.pe-page .pe-options { background: var(--bg); }
.pe-page .pe-versus { background: var(--bg-soft); }

.pe-page .pe-criteria-section,
.pe-page .pe-form-section,
.pe-page .pe-reviews { background: var(--bg-soft); }

/* ==========================================================================
   CREDIBILITY COUNTERS
   ========================================================================== */
/* Sits between the bank strip and the form — tight above, roomier below so
   it reads as a lead-in to the form rather than a section of its own. */
.pe-stats {
    background: var(--bg);
    padding: clamp(20px, 3vw, 36px) 0 clamp(44px, 5.5vw, 64px);
}

.pe-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1px;
    background: var(--line);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    overflow: hidden;
}

.pe-stat {
    background: var(--bg);
    padding: clamp(22px, 3vw, 32px) 20px;
    text-align: center;
}

.pe-stat-num {
    display: block;
    font-family: var(--font-display);
    font-size: clamp(1.6rem, 3vw, 2.35rem);
    line-height: 1.1;
    color: var(--ink);
    margin-bottom: 8px;
    /* the figure and its unit must stay on one line — "₹27,000" and "Cr+"
       splitting across two lines threw the whole strip out of alignment */
    white-space: nowrap;
}

.pe-stat-num span {
    font-family: var(--font-mono);
    font-size: .5em;
    color: var(--muted);
}

.pe-stat-lead .pe-stat-num { color: var(--ink); }
.pe-stat-lead { background: var(--surface); }

.pe-stat-label {
    font-size: .8rem;
    color: var(--body);
    line-height: 1.4;
}

/* ==========================================================================
   HOW IT WORKS
   ========================================================================== */
/* An <ol> for semantics — the visible numbering is the .pe-step-num plate, so
   the browser's own markers are suppressed (styles.css only resets <ul>). */
.pe-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    list-style: none;
}

.pe-step {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 28px 24px;
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}

.pe-step:hover {
    transform: translate(-2px, -2px);
    border-color: var(--line-2);
    box-shadow: var(--shadow-sm);
}

.pe-step-num {
    display: block;
    font-family: var(--font-mono);
    font-size: .74rem;
    font-weight: 700;
    letter-spacing: .18em;
    color: var(--muted);
    margin-bottom: 16px;
}

.pe-step h3 {
    font-family: var(--font-head);
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--ink);
    line-height: 1.35;
    margin-bottom: 10px;
}

.pe-step p {
    font-size: .88rem;
    line-height: 1.65;
    color: var(--body);
}

.pe-step strong { color: var(--ink-2); font-weight: 600; }

/* ==========================================================================
   REASONS BAND (EMOTIONAL)
   ========================================================================== */
.pe-reasons {
    background: var(--bg-deep);
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    padding: clamp(56px, 7vw, 88px) 0;
}

.pe-reasons-inner { max-width: 820px; margin: 0 auto; text-align: center; }

.pe-reasons-kicker {
    font-family: var(--font-mono);
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .22em;
    text-transform: uppercase;
    color: var(--muted);
    margin-bottom: 18px;
}

.pe-reasons-title {
    font-family: var(--font-display);
    font-size: clamp(1.5rem, 3.2vw, 2.3rem);
    line-height: 1.22;
    color: var(--ink);
    margin-bottom: 18px;
}

.pe-reasons-lead {
    font-size: clamp(.95rem, 1.3vw, 1.05rem);
    line-height: 1.8;
    color: var(--body);
    margin-bottom: 30px;
}

.pe-reasons-chips {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
    margin-bottom: 30px;
}

.pe-reasons-chips li {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-size: .84rem;
    color: var(--ink-2);
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 9px 16px;
}

.pe-reasons-chips i { font-size: .8rem; color: var(--muted); }

.pe-reasons-close {
    font-size: .92rem;
    line-height: 1.75;
    color: var(--ink-2);
    max-width: 62ch;
    margin: 0 auto;
    padding-top: 26px;
    border-top: 1px solid var(--line);
}

/* ==========================================================================
   WHY CHOOSE US — BANK vs MYCRED (comparison grid)
   ========================================================================== */
.pe-vs {
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    overflow: hidden;
    background: var(--surface);
}

.pe-vs-head,
.pe-vs-row {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr) minmax(0, 1fr);
    align-items: center;
    gap: 16px;
    padding: 14px 20px;
}

.pe-vs-row + .pe-vs-row,
.pe-vs-head + .pe-vs-row { border-top: 1px solid var(--line); }

.pe-vs-head { background: var(--bg-soft); padding-top: 16px; padding-bottom: 16px; }

.pe-vs-h {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-family: var(--font-mono);
    font-size: .64rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
}

.pe-vs-h-cold { color: var(--muted); }
.pe-vs-h-warm { color: var(--ink); }
.pe-vs-h img { width: 15px; height: auto; }

.pe-vs-label {
    display: flex;
    align-items: center;
    gap: 11px;
    font-size: .85rem;
    font-weight: 600;
    color: var(--ink-2);
}

.pe-vs-label i { font-size: .8rem; color: var(--muted); width: 15px; flex-shrink: 0; }

.pe-vs-cold,
.pe-vs-warm { font-size: .86rem; line-height: 1.45; }

.pe-vs-cold { color: var(--muted); }

.pe-vs-warm { color: var(--ink); font-weight: 600; }

/* the winning column gets a quiet tint so the eye tracks straight down it */
.pe-vs-row .pe-vs-warm,
.pe-vs-head .pe-vs-h-warm {
    position: relative;
}

.pe-vs-warm sup, .pe-vs-cold sup { font-size: .7em; color: var(--muted); }

.pe-versus-note {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: .78rem;
    line-height: 1.65;
    color: var(--muted);
    padding: 16px 2px 0;
    margin-top: 4px;
}

.pe-versus-note i { margin-top: 3px; flex-shrink: 0; }
.pe-versus-note a { color: var(--ink-2); text-decoration: underline; text-underline-offset: 3px; }

/* ==========================================================================
   WHAT WE ARRANGE — NEW LOAN / BALANCE TRANSFER / TOP-UP
   ========================================================================== */
.pe-options-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
    gap: 20px;
    margin-bottom: clamp(28px, 4vw, 44px);
}

.pe-option {
    display: flex;
    flex-direction: column;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 30px 26px;
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}

.pe-option:hover {
    transform: translate(-2px, -2px);
    border-color: var(--line-2);
    box-shadow: var(--shadow-sm);
}

/* Balance transfer is the one most visitors on this page have never
   considered, so it gets the emphasis rather than a full colour inversion —
   the hero card already spends the page's one bright panel. */
.pe-option-feature {
    background: var(--surface-2);
    border-color: var(--line-2);
    box-shadow: var(--shadow-sm);
}

.pe-option-icon {
    display: grid;
    place-items: center;
    width: 46px;
    height: 46px;
    background: var(--primary-soft);
    color: var(--ink);
    border-radius: var(--r-sm);
    font-size: 1rem;
    margin-bottom: 18px;
}

.pe-option-feature .pe-option-icon {
    background: var(--chip);
    color: var(--on-chip);
}

.pe-option-tag {
    display: inline-block;
    align-self: flex-start;
    font-family: var(--font-mono);
    font-size: .64rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--muted);
    margin-bottom: 10px;
}

.pe-option-feature .pe-option-tag { color: var(--ink-2); }

.pe-option h3 {
    font-family: var(--font-head);
    font-size: 1.06rem;
    font-weight: 700;
    color: var(--ink);
    line-height: 1.35;
    margin-bottom: 11px;
}

.pe-option > p {
    font-size: .88rem;
    line-height: 1.7;
    color: var(--body);
    margin-bottom: 18px;
}

.pe-option-list {
    display: grid;
    gap: 10px;
    margin-top: auto;
    padding-top: 18px;
    border-top: 1px solid var(--line);
}

.pe-option-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: .84rem;
    line-height: 1.55;
    color: var(--body);
}

.pe-option-list i {
    font-size: .68rem;
    color: var(--ink-2);
    margin-top: 5px;
    flex-shrink: 0;
}

/* ---------- the net-saving promise ---------- */
.pe-net-panel {
    background: var(--surface);
    border: 1px solid var(--line);
    border-left: 3px solid var(--chip);
    border-radius: var(--r-sm);
    padding: clamp(24px, 3vw, 34px);
}

.pe-net-panel {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 340px);
    gap: clamp(24px, 3.5vw, 44px);
    align-items: center;
}

.pe-net-text h3 {
    font-family: var(--font-head);
    font-size: clamp(1.02rem, 1.8vw, 1.2rem);
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 10px;
}

.pe-net-text h3 i { color: var(--muted); margin-right: 7px; }

.pe-net-text p {
    font-size: .89rem;
    line-height: 1.7;
    color: var(--body);
}

.pe-net-text strong { color: var(--ink); font-weight: 600; }

.pe-net-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 26px;
    margin-top: 22px;
    padding-top: 20px;
    border-top: 1px solid var(--line);
}

.pe-net-badges li {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-size: .82rem;
    color: var(--body);
}

.pe-net-badges i { font-size: .78rem; color: var(--ink-2); flex-shrink: 0; }

/* ---------- illustrative saving chart ---------- */
.pe-chart { width: 100%; }
.pe-chart svg { width: 100%; height: auto; display: block; overflow: visible; }

.pe-c-lab {
    font-family: var(--font-mono);
    font-size: 8px;
    font-weight: 700;
    letter-spacing: .16em;
    fill: var(--muted);
}

.pe-c-val {
    font-family: var(--font-head);
    font-size: 12px;
    font-weight: 700;
    fill: var(--body);
}

.pe-c-val-hi { fill: var(--ink); }

.pe-c-bar-dim { fill: var(--line-2); }
.pe-c-bar-lit { fill: var(--chip); }

.pe-c-rule { stroke: var(--line-2); stroke-width: 1; stroke-dasharray: 3 3; }

.pe-c-save {
    font-family: var(--font-head);
    font-size: 10.5px;
    font-weight: 600;
    fill: var(--ink-2);
}

.pe-chart-cap {
    font-size: .7rem;
    line-height: 1.5;
    color: var(--muted);
    text-align: right;
    margin-top: 10px;
}

/* ==========================================================================
   ELIGIBILITY CRITERIA
   ========================================================================== */
.pe-criteria-wrap {
    display: grid;
    grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr);
    gap: clamp(36px, 5vw, 64px);
    align-items: start;
}

/* .section-tag / .section-title are centred inside .section-header; here they
   sit on their own in a left column, so pull them back to the left. */
.pe-criteria-copy { text-align: left; }
.pe-criteria-copy .section-title { margin-bottom: 18px; }

.pe-criteria-lead {
    font-size: 1rem;
    line-height: 1.7;
    color: var(--body);
    margin-bottom: 22px;
}

.pe-criteria-note {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    font-size: .86rem;
    line-height: 1.6;
    color: var(--body);
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 15px 17px;
}

.pe-criteria-note i { color: var(--ink-2); margin-top: 3px; flex-shrink: 0; }

.pe-criteria-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px;
}

.pe-criteria-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 24px 22px;
    transition: border-color .2s ease, background .2s ease;
}

.pe-criteria-card:hover { border-color: var(--line-2); background: var(--surface-2); }

.pe-criteria-icon {
    display: grid;
    place-items: center;
    width: 40px;
    height: 40px;
    background: var(--primary-soft);
    color: var(--ink-2);
    border-radius: var(--r-sm);
    font-size: .92rem;
    margin-bottom: 16px;
}

.pe-criteria-card h4 {
    font-family: var(--font-head);
    font-size: .96rem;
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 7px;
}

.pe-criteria-card p {
    font-size: .85rem;
    line-height: 1.6;
    color: var(--body);
}

/* ==========================================================================
   ELIGIBILITY FORM
   ========================================================================== */
.pe-form-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr);
    gap: clamp(28px, 3.5vw, 44px);
    align-items: start;
}

/* Grid items default to min-width:auto, which floors them at their content's
   min-content width — on narrow phones that pushed the form card wider than
   the viewport. Let them shrink instead. */
.pe-form-layout > * { min-width: 0; }

/* The floating labels in styles.css paint themselves with var(--surface) when
   raised, so the form card has to be exactly that colour to hide the seam. */
.pe-form-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: clamp(24px, 3.2vw, 40px);
    box-shadow: var(--shadow-md);
}

.pe-form-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    padding-bottom: 20px;
    margin-bottom: 28px;
    border-bottom: 1px solid var(--line);
}

.pe-form-head h3 {
    font-family: var(--font-head);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--ink);
}

.pe-secure-chip {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-family: var(--font-mono);
    font-size: .64rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--ink-2);
    border: 1px solid var(--line-2);
    border-radius: 999px;
    padding: 6px 12px;
    white-space: nowrap;
}

.pe-field-row { display: grid; gap: 0 18px; }
.pe-field-row-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }

/* An invalid field is only marked once the user has actually left it — the
   `.touched` class is applied by the page script on blur. */
.pe-form .form-group input.touched:invalid,
.pe-form .form-group select.touched:invalid,
.pe-form .form-group input.pe-error,
.pe-form .form-group select.pe-error {
    border-color: var(--red);
}

/* Rendered by the page script inside the .form-group itself, so it never
   becomes a stray grid item in the two-column rows. */
.pe-field-error {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: .74rem;
    line-height: 1.4;
    color: var(--red);
    margin: 7px 0 0 2px;
}

.pe-autofill-badge {
    position: absolute;
    right: 10px;
    top: 50%;
    transform: translateY(-50%);
    display: none;
    align-items: center;
    gap: 5px;
    font-size: .64rem;
    font-weight: 600;
    color: var(--muted);
    background: var(--surface-2);
    border-radius: 999px;
    padding: 4px 9px;
    pointer-events: none;
}

.pe-autofill-badge.visible { display: inline-flex; }

/* Small helper line under a field (e.g. the CIBIL range). Sits inside the
   .form-group, so it never becomes a stray item in the two-column rows. */
.pe-field-hint {
    display: block;
    font-size: .73rem;
    line-height: 1.45;
    color: var(--muted);
    margin: 7px 0 0 2px;
}

/* When a field is in error the message replaces the hint, so hide the hint
   rather than stacking two lines under one input. */
.form-group:has(.pe-field-error) .pe-field-hint { display: none; }

.pe-consent { margin: 6px 0 24px; }

.pe-consent .checkbox-label {
    font-size: .85rem;
    line-height: 1.6;
    color: var(--body);
}

/* Single flex item holding the whole sentence, free to wrap and to shrink. */
.pe-consent-text { min-width: 0; }

.pe-consent a {
    color: var(--ink-2);
    text-decoration: underline;
    text-underline-offset: 3px;
}

.pe-consent a:hover { color: var(--ink); }

.pe-form-footnote {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: .78rem;
    line-height: 1.6;
    color: var(--muted);
    margin-top: 18px;
}

.pe-form-footnote i { margin-top: 3px; flex-shrink: 0; }

/* ---------- trust rail beside the form ---------- */
.pe-form-rail { display: grid; gap: 16px; }

.pe-rail-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 24px 22px;
}

.pe-rail-card h4 {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-head);
    font-size: .92rem;
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 14px;
}

.pe-rail-card h4 i { font-size: .88rem; color: var(--ink-2); }

.pe-rail-list { display: grid; gap: 10px; }

.pe-rail-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: .84rem;
    line-height: 1.55;
    color: var(--body);
}

.pe-rail-list i { font-size: .68rem; color: var(--ink-2); margin-top: 5px; flex-shrink: 0; }

.pe-rail-contact-list { display: grid; gap: 11px; }

.pe-rail-contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    font-size: .84rem;
    line-height: 1.55;
    color: var(--body);
}

.pe-rail-contact-list i {
    font-size: .78rem;
    color: var(--muted);
    margin-top: 4px;
    width: 14px;
    flex-shrink: 0;
}

.pe-rail-contact-list a { color: var(--ink-2); }
.pe-rail-contact-list a:hover { color: var(--ink); text-decoration: underline; }

/* ==========================================================================
   TRUST PILLARS
   ========================================================================== */
.pe-trust-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
}

.pe-trust-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 30px 26px;
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}

.pe-trust-card:hover {
    transform: translate(-2px, -2px);
    border-color: var(--line-2);
    box-shadow: var(--shadow-sm);
}

.pe-trust-icon {
    display: grid;
    place-items: center;
    width: 46px;
    height: 46px;
    background: var(--chip);
    color: var(--on-chip);
    border-radius: var(--r-sm);
    font-size: 1rem;
    margin-bottom: 20px;
}

.pe-trust-card h3 {
    font-family: var(--font-head);
    font-size: 1.03rem;
    font-weight: 700;
    color: var(--ink);
    line-height: 1.35;
    margin-bottom: 11px;
}

.pe-trust-card p {
    font-size: .88rem;
    line-height: 1.7;
    color: var(--body);
}

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.pe-reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
    gap: 20px;
}

.pe-review {
    display: flex;
    flex-direction: column;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 30px 26px;
}

.pe-review-stars {
    display: flex;
    gap: 4px;
    font-size: .78rem;
    color: var(--ink-2);
    margin-bottom: 18px;
}

.pe-review blockquote {
    flex: 1;
    font-size: .93rem;
    line-height: 1.75;
    color: var(--ink-2);
    margin-bottom: 24px;
}

.pe-review-author {
    display: flex;
    align-items: center;
    gap: 13px;
    padding-top: 20px;
    border-top: 1px solid var(--line);
}

.pe-review-author img {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
}

.pe-review-author span { display: flex; flex-direction: column; gap: 2px; min-width: 0; }

.pe-review-author strong {
    font-family: var(--font-head);
    font-size: .9rem;
    font-weight: 700;
    color: var(--ink);
}

.pe-review-author em {
    font-style: normal;
    font-family: var(--font-mono);
    font-size: .68rem;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--muted);
}

/* ==========================================================================
   FAQ
   ========================================================================== */
.pe-faq-list {
    display: grid;
    gap: 12px;
    max-width: 860px;
    margin: 0 auto;
}

.pe-faq-item {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    overflow: hidden;
    transition: border-color .2s ease;
}

.pe-faq-item[open] { border-color: var(--line-2); }

.pe-faq-item summary {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    font-family: var(--font-head);
    font-size: .96rem;
    font-weight: 600;
    color: var(--ink);
    line-height: 1.45;
    padding: 20px 24px;
    cursor: pointer;
    list-style: none;
}

.pe-faq-item summary::-webkit-details-marker { display: none; }
.pe-faq-item summary::marker { content: ''; }

.pe-faq-item summary i {
    flex-shrink: 0;
    display: grid;
    place-items: center;
    width: 28px;
    height: 28px;
    font-size: .72rem;
    color: var(--ink-2);
    border: 1px solid var(--line-2);
    border-radius: 50%;
    transition: transform .25s ease, background .2s ease, color .2s ease;
}

.pe-faq-item[open] summary i {
    transform: rotate(45deg);
    background: var(--chip);
    color: var(--on-chip);
    border-color: var(--chip);
}

.pe-faq-item p {
    font-size: .89rem;
    line-height: 1.75;
    color: var(--body);
    padding: 0 24px 22px;
    margin-top: -4px;
}

.pe-faq-item p a {
    color: var(--ink-2);
    text-decoration: underline;
    text-underline-offset: 3px;
}

/* ==========================================================================
   STICKY MOBILE CTA
   ========================================================================== */
.pe-sticky-cta {
    display: none;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 900;
    background: rgba(10, 10, 11, .94);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-top: 1px solid var(--line);
    padding: 12px 16px calc(12px + env(safe-area-inset-bottom, 0px));
    transform: translateY(110%);
    transition: transform .28s ease;
}

.pe-sticky-cta.visible { transform: translateY(0); }

.pe-sticky-inner {
    display: flex;
    align-items: center;
    gap: 12px;
    max-width: 560px;
    margin: 0 auto;
}

.pe-sticky-call {
    display: grid;
    place-items: center;
    width: 48px;
    height: 48px;
    flex-shrink: 0;
    color: var(--ink);
    border: 1px solid var(--line-2);
    border-radius: var(--r-sm);
}

.pe-sticky-btn { flex: 1; padding: 15px 18px; }

@media (max-width: 900px) {
    .pe-sticky-cta { display: block; }

    /* The shared Kiara chat bubble is fixed bottom-right and would sit on top
       of the sticky bar's button. Lift it while the bar is showing — the
       widget's own mobile rules use !important, so these have to as well. */
    .pe-page.pe-sticky-on #kiara-widget {
        bottom: 96px !important;
    }

    .pe-page #kiara-widget { transition: bottom .28s ease; }
}

/* ==========================================================================
   SUCCESS MODAL
   ========================================================================== */
.pe-modal {
    position: fixed;
    inset: 0;
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    background: rgba(0, 0, 0, .82);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    opacity: 0;
    pointer-events: none;
    transition: opacity .25s ease;
    overflow-y: auto;
}

.pe-modal[hidden] { display: none; }

.pe-modal.show { opacity: 1; pointer-events: auto; }

.pe-modal-card {
    width: 100%;
    max-width: 520px;
    background: var(--surface);
    border: 1px solid var(--line-2);
    border-radius: var(--r-sm);
    padding: clamp(28px, 4vw, 40px);
    text-align: center;
    transform: translateY(16px);
    transition: transform .3s ease;
    margin: auto;
}

.pe-modal.show .pe-modal-card { transform: translateY(0); }

.pe-modal-check {
    display: grid;
    place-items: center;
    width: 62px;
    height: 62px;
    margin: 0 auto 22px;
    background: var(--chip);
    color: var(--on-chip);
    border-radius: 50%;
    font-size: 1.5rem;
}

.pe-modal-card h2 {
    font-size: clamp(1.5rem, 3vw, 1.9rem);
    color: var(--ink);
    margin-bottom: 10px;
}

.pe-modal-lead {
    font-size: .93rem;
    line-height: 1.65;
    color: var(--body);
    margin-bottom: 26px;
}

.pe-modal-steps {
    display: grid;
    gap: 14px;
    text-align: left;
    list-style: none;
    margin-bottom: 22px;
}

.pe-modal-steps li {
    display: flex;
    align-items: flex-start;
    gap: 13px;
    font-size: .87rem;
    line-height: 1.6;
    color: var(--body);
}

.pe-modal-steps strong { color: var(--ink); font-weight: 600; }

.pe-modal-step-icon {
    display: grid;
    place-items: center;
    width: 34px;
    height: 34px;
    flex-shrink: 0;
    background: var(--primary-soft);
    color: var(--ink-2);
    border-radius: var(--r-sm);
    font-size: .8rem;
}

.pe-modal-warn {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    text-align: left;
    font-size: .8rem;
    line-height: 1.6;
    color: var(--body);
    background: var(--bg-soft);
    border: 1px solid rgba(242, 109, 109, .28);
    border-radius: var(--r-sm);
    padding: 13px 15px;
    margin-bottom: 24px;
}

.pe-modal-warn i { color: var(--red); margin-top: 3px; flex-shrink: 0; }

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

/* ---- large desktop: let the hero breathe a little more ---- */
@media (min-width: 1440px) {
    .pe-hero { padding-top: calc(var(--nav-h) + 72px); }
}

/* ---- laptop / small desktop ---- */
@media (max-width: 1080px) {
    .pe-hero-grid { grid-template-columns: 1fr; gap: 40px; }
    .pe-hero-title { max-width: 20ch; }
    .pe-offer-card { position: static; max-width: 620px; }

    .pe-criteria-wrap { grid-template-columns: 1fr; }
    .pe-form-layout { grid-template-columns: 1fr; }

    /* Beside the form the rail is a column; underneath it, it reads better as
       a row of equal cards. */
    .pe-form-rail { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
}

/* ---- tablet ---- */
@media (max-width: 900px) {
    .pe-steps { grid-template-columns: repeat(2, 1fr); }

    /* chart drops under the copy rather than being squeezed beside it */
    .pe-net-panel { grid-template-columns: 1fr; }
    .pe-chart { max-width: 420px; }
    .pe-chart-cap { text-align: left; }
    .pe-stats-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ---- phone ---- */
@media (max-width: 768px) {
    /* the shared navbar shrinks to 100px here, so the hero offset follows */
    .pe-page { --nav-h: 100px; }

    /* The hero was ~1700px tall on a phone — two full screens before the
       form. Everything below tightens it to roughly one and a half. */
    .pe-hero { padding: calc(var(--nav-h) + 22px) 0 40px; }
    .pe-hero-grid { gap: 26px; }

    .pe-kicker { font-size: .64rem; letter-spacing: .14em; margin-bottom: 14px; }
    .pe-hero-title { font-size: clamp(1.95rem, 8.6vw, 2.5rem); margin-bottom: 14px; }

    .pe-hinglish { margin-bottom: 16px; }
    .pe-hinglish-main { font-size: 1.22rem; }
    .pe-hinglish-sub { font-size: .84rem; }

    .pe-hero-sub { font-size: .92rem; line-height: 1.6; margin-bottom: 18px; }

    .pe-hero-routes { margin-bottom: 18px; }

    .pe-soft-check {
        font-size: .84rem;
        padding: 12px 14px;
        margin-bottom: 20px;
    }

    .pe-hero-cta { gap: 14px; margin-bottom: 20px; }

    /* the assurances repeat what the offer card says — keep them, but as one
       quiet mono line rather than three full-size rows */
    .pe-hero-assurances {
        gap: 6px 14px;
        padding-top: 16px;
    }

    .pe-hero-assurances li { font-size: .76rem; }

    /* offer card: same content, less air */
    .pe-offer-card { padding: 20px 18px; }
    .pe-offer-head { padding-bottom: 14px; margin-bottom: 14px; }
    .pe-offer-list { margin-bottom: 18px; }
    .pe-offer-list li { padding: 11px 0; gap: 12px; }
    .pe-offer-text strong { font-size: 1rem; }
    .pe-offer-text em { font-size: .78rem; }
    .pe-offer-hero { margin: 2px -10px; padding: 13px 10px !important; }
    .pe-offer-hero .pe-offer-text strong { font-size: 1.12rem; }
    .pe-hero::before { inset: 0; opacity: .28; -webkit-mask-image: linear-gradient(to bottom, transparent 0%, #000 30%, transparent 92%); mask-image: linear-gradient(to bottom, transparent 0%, #000 30%, transparent 92%); }

    .pe-hero-title { max-width: none; }
    .pe-hero-sub { font-size: 1rem; }

    .pe-hero-cta { gap: 16px; }
    .pe-hero-cta .btn { width: 100%; }
    .pe-hero-call { width: 100%; }

    .pe-hero-assurances { gap: 10px 18px; }

    .pe-offer-card { box-shadow: 6px 6px 0 0 rgba(255, 255, 255, .07); }

    .pe-field-row-2 { grid-template-columns: 1fr; }

    /* title + chip fit side by side even at 360px — no need to stack */
    .pe-form-head { gap: 12px; }

    /* Stacked icon-over-title cards eat a lot of vertical space on a phone.
       Put the icon in its own narrow column instead — same content, ~40% less
       height across the twelve trust and criteria cards. */
    .pe-trust-card,
    .pe-criteria-card {
        display: grid;
        grid-template-columns: 38px minmax(0, 1fr);
        gap: 0 14px;
        align-items: start;
        padding: 18px 16px;
    }

    .pe-trust-icon,
    .pe-criteria-icon {
        width: 38px;
        height: 38px;
        margin-bottom: 0;
        font-size: .85rem;
        /* span both rows, else a one-line heading still gets a 38px-tall row
           and the paragraph below it floats away from the title */
        grid-row: 1 / span 2;
    }

    .pe-trust-card h3,
    .pe-trust-card p,
    .pe-criteria-card h4,
    .pe-criteria-card p { grid-column: 2; }

    .pe-trust-card h3 { font-size: .96rem; margin-bottom: 5px; }
    .pe-trust-card p { font-size: .84rem; line-height: 1.6; }
    .pe-criteria-card h4 { margin-bottom: 4px; }

    .pe-trust-grid,
    .pe-criteria-cards { gap: 12px; }

    .pe-faq-item summary { padding: 17px 18px; font-size: .92rem; }
    .pe-faq-item p { padding: 0 18px 20px; }

    .pe-hinglish { padding-left: 13px; }

    /* The shared bank strip uses 56px logos on a 64px gap — on a phone that
       shows barely one logo at a time and reads as broken. Scale it here so
       two or three are always in view. */
    .pe-page .apply-banks { padding: 34px 0; }
    .pe-page .banks-track { gap: 30px; }
    .pe-page .banks-track img { height: 38px; padding: 7px 12px; }

    /* Three columns will not fit a phone, so each row becomes its own small
       card: the dimension on top, then the two values labelled by data-l. */
    .pe-vs-head { display: none; }

    .pe-vs-row {
        grid-template-columns: 1fr 1fr;
        gap: 10px 14px;
        padding: 16px 18px;
    }

    .pe-vs-label {
        grid-column: 1 / -1;
        font-size: .82rem;
        color: var(--ink);
    }

    /* block, not flex — a flex cell turns the trailing <sup>*</sup> into its
       own line item instead of keeping it inline with the value */
    .pe-vs-cold,
    .pe-vs-warm {
        display: block;
        font-size: .82rem;
        padding: 10px 12px;
        border-radius: var(--r-sm);
        background: var(--bg-soft);
    }

    .pe-vs-warm { background: var(--surface-2); }

    .pe-vs-cold::before,
    .pe-vs-warm::before {
        content: attr(data-l);
        display: block;
        margin-bottom: 4px;
        font-family: var(--font-mono);
        font-size: .56rem;
        font-weight: 700;
        letter-spacing: .14em;
        text-transform: uppercase;
        color: var(--muted);
    }
    .pe-reasons-chips { gap: 8px; }
    .pe-reasons-chips li { font-size: .79rem; padding: 8px 13px; }
    .pe-net-badges { gap: 10px 18px; }

}

/* ---- small phone ---- */
@media (max-width: 560px) {
    .pe-steps { grid-template-columns: 1fr; }
    .pe-stats-grid { grid-template-columns: 1fr; }

    .pe-stat {
        display: flex;
        align-items: baseline;
        justify-content: space-between;
        gap: 16px;
        text-align: left;
        padding: 16px 18px;
    }

    .pe-stat-num { margin-bottom: 0; font-size: 1.4rem; }
    .pe-stat-label { text-align: right; }

    .pe-offer-list li { gap: 12px; padding: 13px 0; }
    .pe-offer-icon { width: 34px; height: 34px; font-size: .8rem; }

    .pe-trust-card,
    .pe-review,
    .pe-rail-card,
    .pe-option,
    .pe-criteria-card { padding: 22px 18px; }

    .pe-net-badges { flex-direction: column; gap: 10px; }
    .pe-hero-routes li { font-size: .76rem; padding: 7px 11px; }

    .pe-modal { padding: 14px; align-items: flex-start; }
    .pe-modal-card { padding: 26px 20px; }
}

/* ---- very narrow (≤360px) ---- */
@media (max-width: 380px) {
    .pe-hero-assurances { flex-direction: column; gap: 9px; }
    .pe-secure-chip { font-size: .6rem; padding: 5px 9px; }
    .pe-sticky-btn { font-size: .74rem; padding: 14px 10px; letter-spacing: .08em; }
}

/* ---- short landscape phones: drop the sticky bar, it eats the viewport ---- */
@media (max-height: 480px) and (orientation: landscape) {
    .pe-sticky-cta { display: none; }
    .pe-page { padding-bottom: 0; }
}

/* ---- accessibility ---- */
@media (prefers-reduced-motion: reduce) {
    .pe-kicker-dot,
    .pe-live-dot { animation: none; }

    .pe-step,
    .pe-trust-card,
    .pe-modal,
    .pe-modal-card,
    .pe-sticky-cta { transition: none; }
}

.pe-page :focus-visible {
    outline: 2px solid var(--chip);
    outline-offset: 2px;
}

@media print {
    .pe-sticky-cta,
    .pe-modal,
    .navbar { display: none !important; }
}