:root{
  --green:#075f22;
  --green-dark:#004915;
  --green-soft:#eaf4e6;
  --gold:#8e8420;
  --text:#101510;
  --muted:#566157;
  --white:#fff;
  --line:#e6e9e2;
  --shadow:0 20px 45px rgba(0,0,0,.10);
  --radius:22px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',sans-serif;
  color:var(--text);
  background:#fffefb;
  overflow-x:hidden;
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1160px,calc(100% - 36px));margin-inline:auto}
.section-pad{padding:72px 0}

/* HEADER */
.site-header{
  position:fixed;
  top:0;
  left:0;
  width:100%;
  z-index:1000;
  background:rgba(255,255,255,.94);
  backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(0,0,0,.08);
}
.site-header.scrolled{box-shadow:0 10px 30px rgba(0,0,0,.08)}
.header-wrap{
  height:92px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
}
.brand{
  width:252px;
  display:flex;
  align-items:center;
  min-height:64px;
}
.brand img{max-height:64px;width:auto;object-fit:contain}
.brand-text{
  display:none;
  font-family:'Playfair Display',serif;
  color:var(--green);
  font-size:30px;
  font-weight:800;
  line-height:.92;
  letter-spacing:2px;
}
.brand-text small{
  font-family:'Inter',sans-serif;
  font-size:14px;
  letter-spacing:6px;
}
.nav-menu{
  display:flex;
  align-items:center;
  gap:34px;
  font-size:15px;
  font-weight:700;
}
.nav-menu a{position:relative}
.nav-menu>a:not(.apply-btn)::after{
  content:"";
  position:absolute;
  left:0;
  bottom:-12px;
  width:0;
  height:3px;
  border-radius:20px;
  background:var(--green);
  transition:.25s ease;
}
.nav-menu>a.active::after,
.nav-menu>a:hover::after{width:100%}
.apply-btn{
  padding:16px 30px;
  border-radius:17px;
  color:#fff;
  background:linear-gradient(135deg,#087829,#004b16);
  box-shadow:0 8px 18px rgba(0,95,34,.22);
}
.apply-btn span{margin-left:12px}
.menu-btn{
  display:none;
  width:44px;
  height:42px;
  border:0;
  background:var(--green);
  border-radius:10px;
  padding:10px;
}
.menu-btn span{
  display:block;
  height:2px;
  background:#fff;
  margin:6px 0;
}

/* HERO TWO LAYER */
.hero{
  position:relative;
  min-height:620px;
  display:flex;
  align-items:center;
  padding-top:92px;
  overflow:hidden;
}
.hero-bg-layer{
  position:absolute;
  inset:92px 0 0 0;
  background-image:url("images/hero-bg.png");
  background-size:cover;
  background-position:center right;
  background-repeat:no-repeat;
  z-index:1;
}
.hero-overlay-layer{
  position:absolute;
  inset:92px 0 0 0;
  z-index:2;
  background:
    linear-gradient(90deg,rgba(255,255,255,.96) 0%,rgba(255,255,255,.85) 34%,rgba(255,255,255,.33) 63%,rgba(255,255,255,.03) 100%);
}
.hero-content-layer{position:relative;z-index:3}
.hero-text{max-width:620px;padding:88px 0 112px}
.hero h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(42px,5vw,72px);
  line-height:1.08;
  font-weight:800;
  letter-spacing:-1.5px;
}
.hero h1 span{color:var(--green)}
.hero p{
  max-width:480px;
  margin-top:26px;
  font-size:19px;
  line-height:1.75;
}
.hero-actions{
  margin-top:34px;
  display:flex;
  gap:24px;
  flex-wrap:wrap;
}
.btn{
  min-height:56px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  padding:0 30px;
  border-radius:28px;
  font-weight:800;
  transition:.25s ease;
}
.btn:hover{transform:translateY(-3px)}
.btn-primary{
  background:linear-gradient(135deg,#087829,#004b16);
  color:#fff;
  box-shadow:0 10px 24px rgba(0,95,34,.22);
}
.btn-white{
  background:rgba(255,255,255,.88);
  color:var(--green-dark);
  border:1px solid #cdd4c9;
  box-shadow:0 10px 20px rgba(0,0,0,.06);
}

/* TRUST */
.trust-section{position:relative;z-index:5;margin-top:-48px}
.trust-card{
  background:#fff;
  border-radius:24px;
  box-shadow:var(--shadow);
  display:grid;
  grid-template-columns:repeat(4,1fr);
  padding:28px 30px;
  border:1px solid rgba(0,0,0,.06);
}
.trust-item{
  display:flex;
  gap:16px;
  align-items:center;
  padding:0 24px;
  border-right:1px solid var(--line);
}
.trust-item:last-child{border-right:0}
.trust-item i,
.round-icon,
.service-icon,
.why-item i{
  width:54px;
  height:54px;
  flex:0 0 54px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:var(--green-soft);
  color:var(--green);
  font-style:normal;
  font-size:24px;
}
.trust-item h3{font-size:15px;margin-bottom:7px}
.trust-item p{font-size:14px;line-height:1.55;color:#3c463f}

/* ABOUT */
.about-grid{
  display:grid;
  grid-template-columns:1.2fr .8fr;
  gap:28px;
}
.about-card,
.stats-grid div{
  border:1px solid var(--line);
  border-radius:var(--radius);
  background:#fff;
  box-shadow:0 14px 35px rgba(0,0,0,.05);
}
.about-card{padding:34px}
.about-card h2{
  font-family:'Playfair Display',serif;
  font-size:38px;
  line-height:1.16;
  margin:18px 0 16px;
}
.about-card p{line-height:1.8;color:var(--muted)}
.stats-grid{display:grid;gap:18px}
.stats-grid div{padding:26px 30px}
.stats-grid strong{
  display:block;
  font-size:34px;
  color:var(--green);
}
.stats-grid span{font-weight:700;color:#4b554e}


/* NEW ABOUT US SECTION */
.about-us{
  background:
    radial-gradient(circle at 8% 12%,rgba(7,95,34,.08),transparent 32%),
    linear-gradient(180deg,#fffefb 0%,#fbfdf8 100%);
}
.about-us-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:54px;
  align-items:center;
}
.section-kicker{
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:9px 16px;
  border-radius:30px;
  background:var(--green-soft);
  color:var(--green);
  font-weight:800;
  font-size:14px;
  margin-bottom:18px;
}
.section-kicker::before{
  content:"";
  width:8px;
  height:8px;
  border-radius:50%;
  background:var(--green);
}
.about-us-content h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(34px,4vw,52px);
  line-height:1.12;
  letter-spacing:-.8px;
  margin-bottom:22px;
}
.about-us-content > p{
  color:var(--muted);
  line-height:1.85;
  font-size:16px;
  margin-bottom:16px;
}
.about-points{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:18px;
  margin-top:28px;
}
.about-points div{
  padding:24px;
  border-radius:20px;
  background:#fff;
  border:1px solid var(--line);
  box-shadow:0 14px 32px rgba(0,0,0,.055);
}
.about-points span{
  width:38px;
  height:38px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:linear-gradient(135deg,#087829,#004b16);
  color:#fff;
  font-weight:800;
  margin-bottom:14px;
}
.about-points h3{
  font-size:17px;
  margin-bottom:8px;
}
.about-points p{
  color:var(--muted);
  font-size:14px;
  line-height:1.6;
}
.about-us-visual{
  position:relative;
  min-height:430px;
}
.about-image-card{
  position:absolute;
  inset:32px 0 0 50px;
  border-radius:30px;
  overflow:hidden;
  box-shadow:0 26px 60px rgba(0,0,0,.14);
  border:1px solid rgba(255,255,255,.8);
}
.about-image-card img{
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center right;
}
.about-image-card::after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg,rgba(255,255,255,.12),rgba(7,95,34,.10));
}
.about-floating-card{
  position:absolute;
  z-index:2;
  width:170px;
  padding:18px;
  border-radius:20px;
  background:rgba(255,255,255,.92);
  border:1px solid rgba(255,255,255,.9);
  box-shadow:0 20px 45px rgba(0,0,0,.12);
  backdrop-filter:blur(12px);
}
.about-floating-card strong{
  display:block;
  color:var(--green);
  font-size:34px;
  line-height:1;
  margin-bottom:8px;
}
.about-floating-card span{
  font-weight:800;
  color:#233027;
  font-size:14px;
  line-height:1.35;
}
.card-one{
  left:0;
  top:72px;
}
.card-two{
  right:18px;
  bottom:28px;
}

@media(max-width:991px){
  .about-us-grid{
    grid-template-columns:1fr;
    gap:32px;
  }
  .about-us-visual{
    min-height:390px;
  }
  .about-image-card{
    inset:20px 0 0 0;
  }
}
@media(max-width:640px){
  .about-points{
    grid-template-columns:1fr;
  }
  .about-us-visual{
    min-height:340px;
  }
  .about-floating-card{
    width:145px;
    padding:15px;
  }
  .about-floating-card strong{
    font-size:28px;
  }
  .card-one{
    top:38px;
    left:10px;
  }
  .card-two{
    right:10px;
    bottom:12px;
  }
}

/* SERVICES */
.section-title{text-align:center;margin-bottom:34px}
.section-title h2{
  font-family:'Playfair Display',serif;
  font-size:42px;
  font-weight:800;
  display:inline-block;
  position:relative;
}
.section-title h2::after{
  content:"";
  position:absolute;
  left:50%;
  transform:translateX(-50%);
  bottom:-12px;
  width:58px;
  height:3px;
  border-radius:20px;
  background:var(--green);
}
.services-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:28px;
}
.service-card{
  overflow:hidden;
  border-radius:var(--radius);
  background:#fff;
  border:1px solid var(--line);
  box-shadow:0 20px 45px rgba(0,0,0,.08);
}
.service-image{
  min-height:298px;
  position:relative;
  background-size:cover;
  background-repeat:no-repeat;
  overflow:hidden;
}

/* USER GIVEN IMAGES USED HERE */
.chit-image{
  background-image:
    linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.88) 38%,rgba(255,255,255,.15) 75%),
    url("images/chit-service.png");
  background-position:center right;
}
.loan-image{
  background-image:
    linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.88) 38%,rgba(255,255,255,.16) 75%),
    url("images/loan-service.png");
  background-position:center right;
}
.service-content{
  width:54%;
  padding:38px 28px;
}
.service-content h3{
  font-family:'Playfair Display',serif;
  font-size:34px;
  margin:18px 0 12px;
  color:var(--green-dark);
}
.service-content p{
  font-size:15px;
  line-height:1.75;
}
.small-btn{
  margin-top:22px;
  display:inline-flex;
  align-items:center;
  gap:10px;
  background:var(--green);
  color:#fff;
  padding:13px 22px;
  border-radius:22px;
  font-size:14px;
  font-weight:800;
}
.service-bottom{
  padding:24px 28px 28px;
  border-top:1px solid var(--line);
}
.service-bottom h4{margin-bottom:22px}
.scheme-list,.loan-list{display:grid;gap:18px}
.scheme-list{grid-template-columns:repeat(4,1fr)}
.loan-list{grid-template-columns:repeat(6,1fr)}
.scheme-list span,.loan-list span{
  display:grid;
  justify-items:center;
  gap:7px;
  text-align:center;
  color:var(--gold);
  font-size:24px;
}
.scheme-list small,.loan-list small{
  color:#162018;
  font-size:12px;
  line-height:1.35;
  font-weight:700;
}

/* WHY */
.why{padding-top:20px}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.why-item{
  text-align:center;
  padding:28px 32px;
  border-right:1px solid var(--line);
}
.why-item:last-child{border-right:0}
.why-item i{margin:0 auto 18px}
.why-item h3{font-size:16px;margin-bottom:10px}
.why-item p{font-size:14px;line-height:1.6;color:#4f5a53}

/* FAQ */
.faq-grid{
  display:grid;
  grid-template-columns:.9fr 1.1fr;
  gap:34px;
}
.faq-left h2{
  font-family:'Playfair Display',serif;
  font-size:40px;
  margin-bottom:16px;
}
.faq-left p{line-height:1.8;color:var(--muted)}
.faq-item{
  background:#fff;
  border:1px solid var(--line);
  border-radius:16px;
  margin-bottom:14px;
  overflow:hidden;
  box-shadow:0 12px 26px rgba(0,0,0,.04);
}
.faq-item button{
  width:100%;
  border:0;
  background:#fff;
  padding:20px 22px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  text-align:left;
  cursor:pointer;
  font-weight:800;
  font-size:16px;
}
.faq-item p{
  display:none;
  padding:0 22px 20px;
  color:var(--muted);
  line-height:1.7;
}
.faq-item.active p{display:block}

/* CONTACT */
.contact-card{
  min-height:260px;
  border-radius:24px;
  overflow:hidden;
  display:grid;
  grid-template-columns:1fr .95fr;
  align-items:center;
  gap:34px;
  padding:36px 44px;
  border:1px solid var(--line);
  box-shadow:var(--shadow);
  background:
    linear-gradient(90deg,rgba(247,250,238,.97) 0%,rgba(255,255,255,.94) 52%,rgba(255,255,255,.68) 100%),
    url("images/contact-bg.png");
  background-size:cover;
  background-position:right bottom;
  background-repeat:no-repeat;
}
.contact-title p{font-weight:800;color:#273329;margin-bottom:8px}
.contact-title h2{
  font-family:'Playfair Display',serif;
  font-size:36px;
  line-height:1.08;
  margin-bottom:22px;
}
.contact-info{
  display:grid;
  gap:18px;
  border-left:1px solid var(--line);
  padding-left:44px;
}
.contact-info a,.contact-info p{
  display:flex;
  gap:15px;
  font-weight:600;
  line-height:1.5;
}

/* FOOTER */
.footer{
  background:linear-gradient(135deg,#00621d,#003e12);
  color:#fff;
}
.footer-inner{
  min-height:70px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  font-size:14px;
}
.footer a{margin-left:34px}

/* ANIMATION */
.reveal{opacity:0;transform:translateY(24px);transition:.7s ease}
.reveal.show{opacity:1;transform:translateY(0)}

/* RESPONSIVE */
@media(max-width:1100px){
  .nav-menu{gap:20px}
  .brand{width:220px}
  .hero{min-height:560px}
  .service-content{width:62%}
}
@media(max-width:991px){
  .header-wrap{height:76px}
  .brand{width:200px}
  .brand img{max-height:56px}
  .menu-btn{display:block}
  .nav-menu{
    position:absolute;
    top:76px;
    left:18px;
    right:18px;
    display:none;
    flex-direction:column;
    align-items:stretch;
    gap:0;
    padding:16px;
    background:#fff;
    border-radius:18px;
    box-shadow:var(--shadow);
    border:1px solid var(--line);
  }
  .nav-menu.open{display:flex}
  .nav-menu a{padding:14px 12px}
  .nav-menu>a::after{display:none}
  .apply-btn{text-align:center;margin-top:8px}
  .hero{padding-top:76px;min-height:560px}
  .hero-bg-layer,.hero-overlay-layer{inset:76px 0 0 0}
  .hero-overlay-layer{background:linear-gradient(90deg,rgba(255,255,255,.98),rgba(255,255,255,.72),rgba(255,255,255,.25))}
  .hero-text{padding:84px 0 90px;max-width:560px}
  .hero h1{font-size:54px}
  .trust-card{grid-template-columns:repeat(2,1fr)}
  .trust-item{border-right:0;border-bottom:1px solid var(--line);padding:22px}
  .trust-item:nth-child(3),.trust-item:nth-child(4){border-bottom:0}
  .about-grid,.services-grid,.faq-grid,.contact-card{grid-template-columns:1fr}
  .why-grid{grid-template-columns:repeat(2,1fr)}
  .why-item:nth-child(2){border-right:0}
  .why-item:nth-child(1),.why-item:nth-child(2){border-bottom:1px solid var(--line)}
  .contact-info{border-left:0;padding-left:0;border-top:1px solid var(--line);padding-top:24px}
}
@media(max-width:640px){
  .container{width:min(100% - 26px,1160px)}
  .section-pad{padding:52px 0}
  .hero{min-height:620px;align-items:flex-start}
  .hero-bg-layer{background-position:64% bottom}
  .hero-overlay-layer{
    background:linear-gradient(180deg,rgba(255,255,255,.98) 0%,rgba(255,255,255,.90) 45%,rgba(255,255,255,.34) 100%);
  }
  .hero-text{padding:58px 0 0}
  .hero h1{font-size:42px;letter-spacing:-.8px}
  .hero p{font-size:16px;line-height:1.7;max-width:340px}
  .hero-actions{gap:14px}
  .btn{min-height:50px;padding:0 22px;font-size:14px}
  .trust-section{margin-top:0;padding-top:18px}
  .trust-card{grid-template-columns:1fr;padding:8px}
  .trust-item{border-bottom:1px solid var(--line)!important;padding:18px}
  .trust-item:last-child{border-bottom:0!important}
  .about-card h2,.section-title h2,.faq-left h2{font-size:32px}
  .service-image{min-height:300px}
  .service-content{width:76%;padding:28px 22px}
  .service-content h3{font-size:28px}
  .scheme-list{grid-template-columns:repeat(2,1fr)}
  .loan-list{grid-template-columns:repeat(3,1fr)}
  .why-grid{grid-template-columns:1fr}
  .why-item{border-right:0;border-bottom:1px solid var(--line)}
  .why-item:last-child{border-bottom:0}
  .contact-card{padding:28px 22px}
  .contact-title h2{font-size:32px}
  .footer-inner{flex-direction:column;align-items:flex-start;padding:22px 0}
  .footer a{margin-left:0;margin-right:18px}
}
@media(max-width:420px){
  .brand{width:174px}
  .hero h1{font-size:36px}
  .service-content{width:84%}
  .loan-list{grid-template-columns:repeat(2,1fr)}
}