/**
 * Check CIBIL page — full content layout + lead form at bottom
 */

body.page-cibil.cibil-page {
  background: #f6f8fc;
}

body.page-cibil #main {
  overflow-x: hidden;
}

/* Hero */
.cibil-hero {
  position: relative;
  min-height: min(48vh, 420px);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  text-align: center;
  background-color: #0b0a88;
  background-image: url("../img/pages/cibil/cibil-hero.jpg");
  background-size: cover;
  background-position: center 35%;
}

.cibil-hero__inner {
  position: relative;
  z-index: 1;
  box-sizing: border-box;
  width: 100%;
  max-width: 52rem;
  margin-inline: auto;
  padding: clamp(3rem, 8vw, 4.5rem) clamp(1rem, 4vw, 1.5rem);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  color: #fff;
}

.cibil-hero__breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.35rem 0.5rem;
  margin: 0 0 0.75rem;
  padding: 0;
  list-style: none;
  font-size: 0.8125rem;
  font-weight: 600;
}

.cibil-hero__breadcrumb a {
  color: rgba(255, 255, 255, 0.88);
  text-decoration: none;
}

.cibil-hero__breadcrumb a:hover {
  color: #55d1cb;
}

.cibil-hero__breadcrumb li:not(:last-child)::after {
  content: "/";
  margin-left: 0.5rem;
  color: rgba(255, 255, 255, 0.45);
}

.cibil-hero__breadcrumb li:last-child {
  color: #55d1cb;
}

.cibil-hero__title {
  margin: 0 0 0.75rem;
  width: 100%;
  max-width: none;
  font-family: "Plus Jakarta Sans", system-ui, sans-serif;
  font-size: clamp(2.25rem, 6.5vw, 3.75rem);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: #ffffff;
  text-align: center;
  text-wrap: balance;
  text-shadow:
    0 2px 4px rgba(0, 0, 0, 0.55),
    0 4px 20px rgba(0, 0, 0, 0.45),
    0 0 40px rgba(0, 0, 0, 0.25);
}

.cibil-hero__tagline {
  margin: 0 auto;
  max-width: 42rem;
  font-size: clamp(1.0625rem, 2.2vw, 1.25rem);
  font-weight: 500;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.98);
  text-align: center;
  text-wrap: balance;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.55), 0 2px 14px rgba(0, 0, 0, 0.45);
}

.cibil-hero__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.65rem;
  margin-top: 1.5rem;
}

.cibil-hero__btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  min-height: 2.5rem;
  padding: 0 1.15rem;
  font-size: 0.875rem;
  font-weight: 700;
  text-decoration: none;
  border-radius: 999px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.cibil-hero__btn--primary {
  background: #55d1cb;
  color: #0b0a88;
}

.cibil-hero__btn--primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(85, 209, 203, 0.35);
}

.cibil-hero__btn--ghost {
  border: 1px solid rgba(255, 255, 255, 0.45);
  color: #fff;
}

.cibil-hero__btn--ghost:hover {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
}

/* Intro prose */
.cibil-intro {
  max-width: 46rem;
  margin: 0 auto;
  text-align: center;
}

.cibil-intro--left {
  max-width: none;
  margin: 0;
  text-align: left;
}

.cibil-intro p {
  margin: 0 0 1rem;
  font-size: 0.9375rem;
  line-height: 1.7;
  color: #5c6370;
}

.cibil-intro p:last-child {
  margin-bottom: 0;
}

/* Split — content left, form right */
.cibil-split-band {
  background:
    radial-gradient(ellipse 70% 50% at 50% 0%, rgba(85, 209, 203, 0.1), transparent 60%),
    linear-gradient(180deg, #eef2f8 0%, #f6f8fc 100%);
  border-bottom: 1px solid rgba(11, 10, 136, 0.06);
}

.cibil-split {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: clamp(1.25rem, 3vw, 2rem);
  align-items: start;
  width: 100%;
}

body.page-cibil .cibil-split-band.page-sections {
  padding-top: clamp(1.5rem, 4vw, 2.25rem);
  padding-bottom: clamp(2rem, 5vw, 3rem);
}

body.page-cibil #CibilForm {
  scroll-margin-top: calc(var(--shell-h, 120px) + 1rem);
}

@media (max-width: 991px) {
  .cibil-split {
    grid-template-columns: 1fr;
  }
}

.cibil-split__content {
  display: flex;
  flex-direction: column;
  gap: clamp(1.5rem, 3vw, 2rem);
  height: 100%;
}

.cibil-split__block:last-child {
  flex: 1;
  display: flex;
  flex-direction: column;
}

.cibil-split__block:last-child .cibil-scores--split {
  flex: 1;
}

.cibil-split__block {
  padding: clamp(1.15rem, 2.5vw, 1.5rem);
  background: #fff;
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: 16px;
  box-shadow: 0 10px 28px rgba(11, 10, 136, 0.06);
}

.cibil-split__head {
  margin-bottom: 1rem;
  text-align: left;
}

.cibil-split__head .page-section-head__label {
  display: inline-block;
  margin-bottom: 0.45rem;
}

.cibil-split__title {
  margin: 0;
  font-family: "Plus Jakarta Sans", system-ui, sans-serif;
  font-size: clamp(1.25rem, 2.5vw, 1.55rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: #0b0a88;
}

.cibil-split__title span {
  color: #3bb8b2;
}

.cibil-split__sub {
  margin: 0.45rem 0 0;
  font-size: 0.875rem;
  line-height: 1.5;
  color: #5c6370;
}

.cibil-split__form {
  position: relative;
  display: flex;
  flex-direction: column;
}

/* home.css makes all .contact-form-panel sticky — disable here to avoid overlap */
@media (min-width: 769px) {
  .page-cibil .cibil-split__form .contact-form-panel {
    position: static;
    top: auto;
    align-self: start;
  }
}

.cibil-split__form .page-panel.contact-form-panel {
  display: flex;
  flex-direction: column;
  margin: 0;
  overflow: visible;
}

.cibil-form-panel .contact-form-panel__form {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.cibil-form-body {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.cibil-form-perks {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.6rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.cibil-form-perk {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  padding: 0.65rem 0.7rem;
  font-size: 0.78125rem;
  line-height: 1.45;
  color: #5c6370;
  background: linear-gradient(165deg, #fafbff 0%, #f4f7fc 100%);
  border: 1px solid rgba(11, 10, 136, 0.07);
  border-radius: 10px;
}

.cibil-form-perk strong {
  color: #0b0a88;
  font-weight: 700;
}

.cibil-form-perk__icon {
  flex-shrink: 0;
  width: 1.65rem;
  height: 1.65rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  background: rgba(85, 209, 203, 0.22);
  color: #0b0a88;
  font-size: 0.95rem;
}

@media (max-width: 600px) {
  .cibil-form-perks {
    grid-template-columns: 1fr;
  }
}


/* Score bands */
.cibil-scores {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.85rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.cibil-scores.cibil-scores--split {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.cibil-scores.cibil-scores--split .cibil-score {
  padding: 1rem 0.9rem;
  text-align: left;
  background: linear-gradient(165deg, #fafbff 0%, #f4f7fc 100%);
  border: 1px solid rgba(11, 10, 136, 0.07);
  box-shadow: none;
}

.cibil-scores.cibil-scores--split .cibil-score__range {
  font-size: clamp(1.1rem, 2vw, 1.3rem);
}

.cibil-scores.cibil-scores--split .cibil-score p {
  font-size: 0.78125rem;
  line-height: 1.45;
}

@media (max-width: 991px) {
  .cibil-scores:not(.cibil-scores--split) {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 520px) {
  .cibil-scores.cibil-scores--split {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .cibil-scores:not(.cibil-scores--split) {
    grid-template-columns: 1fr;
  }
}

.cibil-score {
  padding: 1.15rem 1rem;
  text-align: center;
  background: #fff;
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: 14px;
  box-shadow: 0 8px 24px rgba(11, 10, 136, 0.06);
}

.cibil-score__range {
  display: block;
  margin-bottom: 0.35rem;
  font-size: clamp(1.25rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: #0b0a88;
}

.cibil-score__label {
  display: block;
  margin-bottom: 0.35rem;
  font-size: 0.8125rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.cibil-score--poor .cibil-score__label { color: #c0392b; }
.cibil-score--fair .cibil-score__label { color: #d68910; }
.cibil-score--good .cibil-score__label { color: #1a7fc1; }
.cibil-score--excellent .cibil-score__label { color: #0d9488; }

.cibil-score p {
  margin: 0;
  font-size: 0.8125rem;
  line-height: 1.5;
  color: #5c6370;
}

/* Factors grid */
.cibil-factors {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

@media (max-width: 991px) {
  .cibil-factors {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 520px) {
  .cibil-factors {
    grid-template-columns: 1fr;
  }
}

.cibil-factor {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  min-height: 100%;
  padding: 1.15rem 1.1rem;
  background: #fff;
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: 14px;
  box-shadow: 0 10px 28px rgba(11, 10, 136, 0.07);
}

.cibil-factor__icon {
  width: 2.75rem;
  height: 2.75rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: linear-gradient(145deg, rgba(85, 209, 203, 0.28) 0%, rgba(11, 10, 136, 0.08) 100%);
  color: #0b0a88;
  font-size: 1.25rem;
}

.cibil-factor h3 {
  margin: 0;
  font-size: 1rem;
  font-weight: 800;
  color: #0b0a88;
}

.cibil-factor p {
  margin: 0;
  font-size: 0.875rem;
  line-height: 1.55;
  color: #5c6370;
}

/* Steps */
.cibil-steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: cibil-step;
}

@media (max-width: 991px) {
  .cibil-steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 520px) {
  .cibil-steps {
    grid-template-columns: 1fr;
  }
}

.cibil-step {
  position: relative;
  padding: 1.2rem 1.1rem 1.1rem;
  background: linear-gradient(165deg, #fff 0%, #f8faff 100%);
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: 14px;
  box-shadow: 0 10px 28px rgba(11, 10, 136, 0.06);
}

.cibil-step::before {
  counter-increment: cibil-step;
  content: counter(cibil-step, decimal-leading-zero);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  margin-bottom: 0.65rem;
  font-size: 0.8125rem;
  font-weight: 800;
  color: #0b0a88;
  background: rgba(85, 209, 203, 0.35);
  border-radius: 999px;
}

.cibil-step h3 {
  margin: 0 0 0.35rem;
  font-size: 0.9375rem;
  font-weight: 800;
  color: #0b0a88;
}

.cibil-step p {
  margin: 0;
  font-size: 0.8125rem;
  line-height: 1.55;
  color: #5c6370;
}

/* FAQ */
.cibil-faq {
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.cibil-faq details {
  background: #fff;
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: 12px;
  box-shadow: 0 6px 20px rgba(11, 10, 136, 0.05);
  overflow: hidden;
}

.cibil-faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.1rem;
  font-size: 0.9375rem;
  font-weight: 700;
  color: #0b0a88;
  cursor: pointer;
  list-style: none;
  transition: background-color 0.2s ease;
}

.cibil-faq summary:hover {
  background: rgba(0, 0, 0, 0.05);
}

.cibil-faq summary::-webkit-details-marker {
  display: none;
}

.cibil-faq summary::after {
  content: "+";
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: #1a1a1a;
  color: #fff;
  font-size: 1.15rem;
  font-weight: 400;
  line-height: 1;
  transition: transform 0.25s ease, background-color 0.2s ease;
}

.cibil-faq summary:hover::after {
  background: #000;
}

.cibil-faq details[open] summary::after {
  content: "−";
  transform: rotate(180deg);
  background: #000;
}

.cibil-faq details[open] summary {
  background: rgba(0, 0, 0, 0.06);
}

.cibil-faq details p {
  margin: 0;
  padding: 0 1.1rem;
  font-size: 0.875rem;
  line-height: 1.65;
  color: #5c6370;
}

.cibil-faq details p + p {
  padding-top: 0.65rem;
}

.cibil-faq details p:last-child {
  padding-bottom: 1rem;
}

.cibil-faq details p strong {
  color: #0b0a88;
  font-weight: 700;
}

/* Form panel — compact */
.cibil-form-panel.page-panel {
  overflow: visible;
  padding: clamp(1rem, 2vw, 1.35rem) clamp(1rem, 2vw, 1.25rem) clamp(1.15rem, 2.2vw, 1.45rem);
}

.page-panel.cibil-form-panel .cibil-form-panel__head {
  margin-bottom: 0.6rem;
}

.page-panel.cibil-form-panel .cibil-form-panel__head,
.page-panel.cibil-form-panel .cibil-form-panel__title,
.page-panel.cibil-form-panel .cibil-form-panel__hint {
  text-align: left;
  max-width: none;
  margin-inline: 0;
}

.cibil-form-panel__head .section__label {
  display: inline-block;
  margin-bottom: 0.35rem;
}

.cibil-form-panel__title {
  text-align: left;
  margin: 0 0 0.2rem;
  font-size: clamp(1.15rem, 2.2vw, 1.35rem);
  font-weight: 800;
  color: #0b0a88;
}

.cibil-form-panel__title span {
  color: #3bb8b2;
}

.cibil-form-panel__hint {
  margin: 0;
  font-size: 0.8125rem;
  line-height: 1.45;
  color: #5c6370;
  text-align: left;
  max-width: none;
}

.cibil-form-note {
  margin: 0 0 0.65rem;
  padding: 0.5rem 0.75rem;
  font-size: 0.78125rem;
  line-height: 1.45;
  color: #5c6370;
  background: rgba(85, 209, 203, 0.08);
  border-radius: 8px;
}

.cibil-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
}

.cibil-trust li {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: #0b0a88;
}

.cibil-trust i {
  color: #3bb8b2;
}

.cibil-form-panel .form-control#cibil-pan {
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.cibil-form-panel .form-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.65rem;
  flex-shrink: 0;
}

@media (min-width: 992px) {
  .cibil-form-panel .form-grid {
    gap: clamp(0.65rem, 1.1vh, 0.95rem);
  }
}

.cibil-form-panel .form-group--full {
  grid-column: 1 / -1;
}

.cibil-form-panel .form-control {
  padding: 0.58rem 0.75rem 0.58rem 2.2rem;
  font-size: 0.875rem;
  border-radius: 8px;
}

.cibil-form-panel .form-group > i {
  left: 0.75rem;
  font-size: 0.95rem;
}

.cibil-form-panel select.form-control {
  padding-right: 1.75rem;
}

/* Form footer — compact */
.cibil-form-footer {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 0.65rem;
  width: 100%;
  flex-shrink: 0;
  padding-top: 0.35rem;
  margin-top: 0.15rem;
}

.cibil-form-footer__recaptcha {
  width: 100%;
  min-height: 0;
  margin-bottom: 0.15rem;
  overflow: visible;
}

.cibil-form-footer__recaptcha .g-recaptcha {
  width: 100%;
  max-width: 304px;
  margin: 0;
  transform: scale(0.92);
  transform-origin: left top;
}

.cibil-form-footer__recaptcha .g-recaptcha > div {
  transform: none;
}

.page-cibil .cibil-form-footer #cibil-recaptcha-error {
  margin: 0;
  min-height: 1rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: #c0392b;
}

.page-cibil .cibil-form-footer .form-actions {
  margin: 0;
  width: 100%;
}

.page-cibil .cibil-form-footer .form-actions .btn {
  width: 100%;
  min-height: 2.65rem;
  padding: 0.6rem 1rem;
  margin: 0;
  font-size: 0.9375rem;
  display: flex;
  align-items: center;
  justify-content: center;
  white-space: normal;
  line-height: 1.2;
  text-align: center;
}

.cibil-form-footer .cibil-trust {
  margin: 0;
  width: 100%;
  gap: 0.35rem 0.75rem;
  justify-content: flex-start;
}

.cibil-form-footer .cibil-trust li {
  font-size: 0.75rem;
}

@media (max-width: 600px) {
  .cibil-form-panel .form-grid {
    grid-template-columns: 1fr;
  }

  .cibil-form-footer__recaptcha .g-recaptcha {
    transform: scale(0.88);
    transform-origin: left center;
  }

  .cibil-hero__inner {
    padding-inline: clamp(1rem, 4vw, 1.15rem);
  }

  .cibil-steps {
    grid-template-columns: 1fr;
    gap: 0.85rem;
  }

  .cibil-faq summary {
    padding: 0.9rem 0.85rem;
    font-size: 0.875rem;
    gap: 0.75rem;
  }

  .cibil-faq summary::after {
    width: 1.75rem;
    height: 1.75rem;
    font-size: 1rem;
  }

  .cibil-split__block {
    padding: 1rem;
  }

  .cibil-scores--split {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.65rem;
  }
}

.cibil-cta-bar {
  margin-top: 2rem;
  padding: clamp(1.75rem, 3vw, 2.25rem);
  text-align: center;
  background: linear-gradient(135deg, #0b0a88 0%, #12108a 55%, #0d6b66 100%);
  border-radius: 18px;
  color: #ffffff;
}

.cibil-cta-bar h2 {
  margin: 0 0 0.5rem;
  font-size: clamp(1.25rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: #ffffff;
}

.cibil-cta-bar p {
  margin: 0 0 1rem;
  font-size: 0.9375rem;
  color: #ffffff;
}

.cibil-cta-bar__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.65rem;
}