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

    body {
      font-family: 'Inter', sans-serif;
      background: #f9faff;
      overflow-x: hidden;
    }

    /* ----- bright color variables (same as main) ----- */
    :root {
      --primary: #ff5e7c;        /* vibrant pink */
      --primary-light: #ff8a9f;
      --secondary: #6c5ce7;       /* deep purple */
      --accent-sun: #ffb347;       /* bright orange */
      --accent-mint: #2ecc71;      /* fresh green */
      --info-sky: #3b9eff;         /* electric blue */
      --grad-1: linear-gradient(145deg, #ff6b6b, #feca57);
      --grad-2: linear-gradient(145deg, #48dbfb, #5f27cd);
      --grad-3: linear-gradient(145deg, #1dd1a1, #10ac84);
      --grad-cta: linear-gradient(135deg, #ff9f4b, #ff6b8b);
      --grad-header: linear-gradient(90deg, #fff7f0, #ffffff, #fff0f7);
      --card-bg: rgba(255, 255, 255, 0.9);
      --shadow-sm: 0 20px 35px -8px rgba(235, 100, 140, 0.25);
      --shadow-hover: 0 30px 50px -12px rgba(108, 92, 231, 0.4);
    }

    /* ----- modern header (sticky + glass) ----- */
    header {
      position: sticky;
      top: 0;
      z-index: 1050;
      background: rgba(255, 245, 240, 0.8);
      backdrop-filter: blur(16px) saturate(180%);
      -webkit-backdrop-filter: blur(16px);
      box-shadow: 0 15px 40px -15px #ffb6c1, 0 2px 0 0 rgba(255, 230, 230, 0.6);
      border-bottom: 3px solid transparent;
      background-image: var(--grad-header), linear-gradient(white, white);
      background-origin: border-box;
      background-clip: padding-box, border-box;
    }

    .header-container {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 0.8rem 1.5rem;
      max-width: 1400px;
      margin: 0 auto;
    }

    .logo {
      display: flex;
      align-items: center;
    }

    .logo img {
      height: 52px;
      width: auto;
      filter: drop-shadow(0 4px 6px #ffb8b8);
      border-radius: 20px 5px 20px 5px;
      background: white;
      padding: 5px 15px;
      border: 2px solid var(--primary);
    }

    /* fallback text logo if image missing */
    .logo img[src=""], .logo img:not([src]) {
      content: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 120 40"><rect width="120" height="40" rx="12" fill="%23ff5e7c"/><text x="15" y="28" font-family="Inter" font-weight="800" font-size="22" fill="white">MUDRA</text></svg>');
    }

    /* desktop nav */
    .nav-links {
      display: flex;
      align-items: center;
      gap: 1.4rem;
      list-style: none;
      margin: 0;
      padding: 0;
    }

    .nav-links li a {
      text-decoration: none;
      font-weight: 600;
      font-size: 1.1rem;
      color: #2d274b;
      padding: 0.5rem 0;
      position: relative;
      transition: 0.2s;
      white-space: nowrap;
    }

    .nav-links li a:hover {
      color: var(--primary);
    }

    .nav-links li a::after {
      content: '';
      position: absolute;
      bottom: 0;
      left: 0;
      width: 0%;
      height: 3px;
      background: var(--grad-1);
      border-radius: 10px;
      transition: 0.25s;
    }

    .nav-links li a:hover::after {
      width: 100%;
    }

    .topbar-right {
      margin-left: 1rem;
    }

    .topbar-right .btn-outline {
      background: transparent;
      border: 2.5px solid var(--secondary);
      color: var(--secondary);
      font-weight: 700;
      padding: 0.8rem 1.9rem;
      border-radius: 50px 10px 50px 10px;
      transition: 0.2s;
      display: inline-block;
      text-decoration: none;
      font-size: 1rem;
      white-space: nowrap;
      box-shadow: 0 6px 0 #c1b5ff;
    }

    .topbar-right .btn-outline:hover {
      background: var(--secondary);
      color: white;
      box-shadow: 0 6px 0 #4d41b2;
      transform: translateY(-3px);
    }

    /* mobile menu button */
    .mobile-menu-btn {
      display: none;
      background: none;
      border: none;
      font-size: 2.5rem;
      color: var(--primary);
      cursor: pointer;
      transition: 0.2s;
      line-height: 1;
    }

    .mobile-menu-btn:hover {
      color: var(--secondary);
      transform: scale(1.1);
    }

    /* ----- responsive header ----- */
    @media (max-width: 1024px) {
      .nav-links {
        gap: 1rem;
      }
      .nav-links li a {
        font-size: 0.95rem;
      }
      .topbar-right .btn-outline {
        padding: 0.5rem 1.2rem;
        font-size: 0.9rem;
      }
    }

    @media (max-width: 860px) {
      .mobile-menu-btn {
        display: block;
      }

      .nav-links {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: rgba(255, 250, 240, 0.98);
        backdrop-filter: blur(10px);
        flex-direction: column;
        align-items: flex-start;
        padding: 2rem 2rem;
        gap: 1.5rem;
        box-shadow: 0 40px 50px -20px #ffaaa5;
        border-radius: 0 0 40px 40px;
        border-top: 3px solid var(--primary-light);
        display: none;
        z-index: 1040;
      }

      .nav-links.show {
        display: flex;
      }

      .nav-links li {
        width: 100%;
      }

      .nav-links li a {
        font-size: 1.3rem;
        display: block;
        padding: 0.5rem 0;
      }

      .topbar-right {
        margin-left: 0;
        width: 100%;
      }

      .topbar-right .btn-outline {
        width: 100%;
        text-align: center;
      }

      .header-container {
        padding: 0.8rem 1.2rem;
      }
    }

    /* ----- footer – vibrant, bright, no dull ----- */
    footer {
      background: linear-gradient(125deg, #ffdde1, #ee9ca7, #ffdab9);
      background-size: 200% 200%;
      color: #1d1b38;
      border-top: 8px solid transparent;
      border-image: repeating-linear-gradient(45deg, #ff5e7c, #6c5ce7, #ffb347, #2ecc71) 30;
      border-image-slice: 1;
      box-shadow: 0 -20px 50px -10px #ffa5a5;
      padding-top: 3rem;
    }

    .footer-content {
      display: grid;
      grid-template-columns: 1.8fr 1fr 2fr;
      gap: 2.5rem;
      max-width: 1280px;
      margin: 0 auto;
      padding: 0 1.5rem 2.5rem;
    }

    .footer-about p {
      font-weight: 500;
      margin: 1.2rem 0 1rem;
      line-height: 1.6;
      color: #2c2643;
      background: rgba(255, 255, 255, 0.5);
      padding: 1rem;
      border-radius: 30px 10px 30px 10px;
      backdrop-filter: blur(2px);
    }

    .footer-logo img {
      height: 60px;
      background: white;
      padding: 6px 20px;
      border-radius: 40px 5px 40px 5px;
      border: 2px solid var(--secondary);
      box-shadow: 0 6px 0 #b5a5f0;
    }

    .footer-links h5, .footer-contact h5 {
      font-size: 1.8rem;
      font-weight: 800;
      background: linear-gradient(145deg, #480048, #c84e89);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
      margin-bottom: 1.5rem;
    }

    .footer-links ul {
      list-style: none;
      padding: 0;
    }

    .footer-links li {
      margin-bottom: 0.8rem;
    }

    .footer-links a {
      text-decoration: none;
      color: #2b1f4a;
      font-weight: 600;
      font-size: 1.1rem;
      transition: 0.2s;
      border-bottom: 2px dotted transparent;
      display: inline-block;
    }

    .footer-links a:hover {
      color: var(--primary);
      border-bottom-color: var(--primary);
      transform: translateX(8px);
    }

    .footer-contact p {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      font-weight: 500;
      margin-bottom: 1rem;
      background: rgba(255,255,240,0.5);
      padding: 0.8rem 1.2rem;
      border-radius: 60px 10px 60px 10px;
      backdrop-filter: blur(2px);
    }

    .footer-contact i {
      font-size: 1.4rem;
      color: var(--secondary);
      background: white;
      padding: 10px;
      border-radius: 50%;
      box-shadow: 0 5px 0 #fac0c0;
    }

    .footer-bottom {
      text-align: center;
      padding: 1.8rem 1rem;
      background: rgba(255,255,255,0.5);
      backdrop-filter: blur(4px);
      font-weight: 700;
      font-size: 1.2rem;
      border-radius: 90px 90px 0 0;
      color: #241e47;
    }

    @media (max-width: 900px) {
      .footer-content {
        grid-template-columns: 1fr 1fr;
      }
      .footer-about {
        grid-column: span 2;
      }
    }

    @media (max-width: 600px) {
      .footer-content {
        grid-template-columns: 1fr;
      }
      .footer-about {
        grid-column: span 1;
      }
    }

    /* adjust main top padding due to sticky header (already fine) */
    main {
      padding-top: 0.2rem;
    }

    /* reuse existing main styles from previous design (embedded) */
    /* (all main styles from previous answer are included below for completeness) */
    /* ----- HERO, STATS, LOAN CARDS, PROCESS, CTA (exact same as before) ----- */
    .hero-slider .slide {
      position: relative;
      min-height: 85vh;
      display: flex;
      align-items: center;
      isolation: isolate;
    }

    .slide-bg {
      position: absolute;
      top: 0;
      left: 0;
      width: 100%;
      height: 100%;
      background-size: cover;
      background-position: center;
      z-index: -2;
    }

    .slide-bg::after {
      content: '';
      position: absolute;
      top: 0;
      left: 0;
      width: 100%;
      height: 100%;
      background: linear-gradient(120deg, rgba(255, 94, 124, 0.9) 0%, rgba(108, 92, 231, 0.85) 100%);
      z-index: -1;
    }

    .slide-content {
      padding: 3rem 2rem;
      border-radius: 40px 40px 40px 40px;
      backdrop-filter: blur(6px);
      background: rgba(255, 255, 255, 0.1) !important;
      box-shadow: 0 30px 60px rgba(0, 0, 0, 0.2);
      border: 1px solid rgba(255,255,255,0.25);
      width: 100%;
    }

    .slide-content h1 {
      font-size: 3.2rem !important;
      font-weight: 800;
      line-height: 1.2;
      color: #ffffff;
      text-shadow: 3px 3px 0 var(--secondary);
      letter-spacing: -0.02em;
    }

    .slide-content h1 span {
      color: #ffec99 !important;
      text-shadow: 4px 4px 0 #b1452b;
      display: inline-block;
    }

    .slide-content .lead {
      font-size: 1.6rem !important;
      font-weight: 600;
      color: #fff2e6 !important;
      text-shadow: 2px 2px 0 #333;
      background: rgba(0, 0, 0, 0.2);
      display: inline-block;
      padding: 0.5rem 2rem;
      border-radius: 60px;
      backdrop-filter: blur(4px);
    }

    .btn-modern {
      background: white;
      border: none;
      padding: 1rem 2.8rem;
      border-radius: 60px;
      font-weight: 700;
      font-size: 1.2rem;
      color: var(--primary);
      box-shadow: 0 15px 25px -8px #b1454b, 0 0 0 3px rgba(255,255,240,0.7);
      transition: all 0.3s ease;
      display: inline-flex;
      align-items: center;
      gap: 10px;
      letter-spacing: 0.5px;
    }

    .btn-modern i {
      font-size: 1.4rem;
      color: var(--secondary);
    }

    .btn-modern:hover {
      transform: scale(1.07) translateY(-5px);
      background: var(--secondary);
      color: white;
      box-shadow: 0 25px 35px -6px #3f2b9c;
    }

    .btn-modern:hover i {
      color: #ffd966;
    }

    .btn-modern-secondary {
      background: var(--accent-sun);
      color: #2d1b0a;
      box-shadow: 0 10px 20px -5px #c95e0e;
    }

    .btn-modern-secondary:hover {
      background: #ff9f4b;
      color: #000;
    }

    .stats-section {
      margin-top: -70px;
      z-index: 10;
      position: relative;
      padding-bottom: 2rem;
    }

    .stat-card {
      background: white;
      border-radius: 40px;
      padding: 2.5rem 1.8rem;
      text-align: center;
      box-shadow: var(--shadow-sm);
      transition: 0.3s;
      border: 3px solid transparent;
      background: linear-gradient(white, white) padding-box, var(--grad-1) border-box;
    }

    .stat-card:nth-child(2) {
      background: linear-gradient(white, white) padding-box, linear-gradient(145deg, #6c5ce7, #a363ff) border-box;
    }
    .stat-card:nth-child(3) {
      background: linear-gradient(white, white) padding-box, linear-gradient(145deg, #ffb347, #ff8e53) border-box;
    }
    .stat-card:nth-child(4) {
      background: linear-gradient(white, white) padding-box, linear-gradient(145deg, #2ecc71, #1abc9c) border-box;
    }

    .stat-card:hover {
      transform: translateY(-15px) rotate(1deg);
      box-shadow: var(--shadow-hover);
    }

    .stat-icon {
      width: 80px;
      height: 80px;
      background: var(--primary);
      border-radius: 30px 10px 30px 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 1.5rem;
      font-size: 2.2rem;
      color: white;
      box-shadow: 0 15px 25px -10px #ff5e7c;
    }

    .stat-card:nth-child(2) .stat-icon { background: var(--secondary); }
    .stat-card:nth-child(3) .stat-icon { background: var(--accent-sun); }
    .stat-card:nth-child(4) .stat-icon { background: var(--accent-mint); }

    .stat-card h2 {
      font-size: 2.4rem;
      font-weight: 800;
      background: var(--grad-1);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
    }

    .stat-card p {
      font-weight: 600;
      color: #3a3a4e !important;
    }

    .bg-light-modern {
      background: #eef1fe;
    }

    .loan-card {
      background: rgba(255, 255, 255, 0.85);
      backdrop-filter: blur(10px);
      padding: 2rem 1.8rem;
      border-radius: 50px 20px 50px 20px;
      box-shadow: 0 30px 40px -20px rgba(99, 69, 237, 0.4);
      transition: 0.25s;
      border: 2px solid rgba(255,255,255,0.8);
      height: 100%;
      display: flex;
      flex-direction: column;
    }

    .loan-card:hover {
      transform: scale(1.02) translateY(-8px);
      background: white;
      border-color: var(--primary-light);
      box-shadow: 0 35px 55px -15px #b388eb;
    }

    .icon-lg {
      width: 90px;
      height: 90px;
      font-size: 2.5rem !important;
      background: linear-gradient(145deg, #ffdcdc, white);
      border-radius: 30px 10px 30px 10px !important;
      box-shadow: 0 10px 15px -5px #ffb6c1;
    }

    .loan-card h4 {
      font-size: 2rem;
      font-weight: 800;
      letter-spacing: -0.5px;
      background: linear-gradient(135deg, #3c1053, #6b3b8f);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
    }

    .loan-features p {
      font-weight: 500;
    }

    .loan-features i {
      font-size: 1.2rem;
      filter: drop-shadow(0 2px 4px #b7ffb7);
    }

    .step-card {
      display: flex;
      gap: 20px;
      align-items: center;
      background: white;
      padding: 1.2rem 2rem;
      border-radius: 90px 20px 90px 20px;
      margin-bottom: 20px;
      box-shadow: 0 10px 20px -8px #c49bff;
      border: 2px solid transparent;
      background: linear-gradient(white, white) padding-box, var(--grad-2) border-box;
    }

    .step-number {
      width: 70px;
      height: 70px;
      background: var(--grad-3);
      border-radius: 30px 5px 30px 5px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 2.2rem;
      font-weight: 800;
      color: white;
      box-shadow: 0 8px 0 #0b7b5a;
    }

    .step-card h4 {
      font-weight: 700;
      color: #1f1f3a;
      font-size: 1.8rem;
    }

    .doc-card {
      background: linear-gradient(125deg, #fff9e6, white);
      border-radius: 60px 20px 60px 20px;
      padding: 2.8rem 2.5rem;
      box-shadow: 0 40px 50px -20px #fa8b8b;
      border: 3px solid #ffddaa;
    }

    .doc-card h3 {
      font-size: 2.5rem;
      font-weight: 800;
      background: var(--grad-1);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
      margin-bottom: 2rem;
    }

    .doc-card .col-md-6 {
      background: rgba(255, 215, 215, 0.3);
      padding: 1rem;
      border-radius: 30px;
    }

    .doc-card h6 {
      font-size: 1.2rem;
      font-weight: 700;
      color: #ff4757;
    }

    .bg-dark {
      background: var(--grad-cta) !important;
    }

    .bg-dark .container {
      background: rgba(0, 0, 0, 0.1);
      border-radius: 90px;
      padding: 3rem 4rem;
      backdrop-filter: blur(5px);
    }

    .bg-dark h2 {
      font-weight: 800;
      font-size: 2.8rem;
      color: #1b0033;
    }

    .bg-dark p {
      font-weight: 500;
      color: #fef9e6;
      text-shadow: 2px 2px 0 #b6494b;
    }

    @media (max-width: 768px) {
      .slide-content h1 {
        font-size: 2.5rem !important;
      }
      .slide-content .lead {
        font-size: 1.3rem !important;
      }
      .stat-card {
        padding: 1.8rem 1rem;
      }
      .step-card {
        flex-wrap: wrap;
        border-radius: 40px;
      }
      .bg-dark .container {
        padding: 2rem 1.5rem;
        text-align: center;
      }
    }

    

                   /* ABOUT */



                   /* ----- Vision, Mission, Purpose Section (modern cards) ----- */
.vision-mission-purpose {
    padding: 5rem 0;
    background: linear-gradient(135deg, #f8f0ff 0%, #fff5f0 100%);
    position: relative;
    overflow: hidden;
}

.vision-mission-purpose::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255,94,124,0.1) 0%, transparent 70%);
    border-radius: 50%;
    z-index: 0;
}

.vision-mission-purpose::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -5%;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(108,92,231,0.08) 0%, transparent 70%);
    border-radius: 50%;
    z-index: 0;
}

.vmp-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
    position: relative;
    z-index: 2;
}

.vmp-header {
    text-align: center;
    margin-bottom: 4rem;
}

.vmp-header h2 {
    font-size: 2.8rem;
    font-weight: 800;
    background: linear-gradient(145deg, var(--secondary), var(--primary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

.vmp-header p {
    font-size: 1.3rem;
    color: #4a4a6a;
    max-width: 700px;
    margin: 0 auto;
    font-weight: 500;
}

.vmp-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.vmp-card {
    background: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(8px);
    border-radius: 50px 20px 50px 20px;  /* signature asymmetric */
    padding: 2.5rem 2rem;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease;
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box, 
                linear-gradient(145deg, #ffd1d1, #ffe4bc) border-box;
    display: flex;
    flex-direction: column;
    height: 100%;
}

.vmp-card:hover {
    transform: translateY(-15px) scale(1.02);
    box-shadow: var(--shadow-hover);
    border-color: transparent;
    background: linear-gradient(white, white) padding-box, 
                var(--grad-1) border-box;
}

/* individual card gradient accents (optional variety) */
.vmp-card:nth-child(1) {
    background: linear-gradient(white, white) padding-box, 
                linear-gradient(145deg, #ffe6f0, #ffe0c0) border-box;
}
.vmp-card:nth-child(2) {
    background: linear-gradient(white, white) padding-box, 
                linear-gradient(145deg, #e0e7ff, #ffe0f0) border-box;
}
.vmp-card:nth-child(3) {
    background: linear-gradient(white, white) padding-box, 
                linear-gradient(145deg, #d4f4e6, #ffe4b5) border-box;
}

.card-header {
    display: flex;
    align-items: center;
    gap: 1.2rem;
    margin-bottom: 1.8rem;
}

.card-icon {
    width: 70px;
    height: 70px;
    background: var(--primary);
    border-radius: 30px 5px 30px 5px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: 0 12px 20px -10px var(--primary);
    transition: 0.2s;
}

.vmp-card:hover .card-icon {
    background: var(--secondary);
    box-shadow: 0 12px 20px -10px var(--secondary);
}

.card-title h3 {
    font-size: 2rem;
    font-weight: 800;
    margin: 0;
    background: linear-gradient(135deg, #2c1b4e, #b1456b);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    line-height: 1.2;
}

.card-title p {
    margin: 0.3rem 0 0;
    color: #5f5f8a;
    font-weight: 600;
    font-size: 1rem;
}

.card-content {
    flex: 1;
    margin-bottom: 2rem;
}

.card-content p {
    font-size: 1.1rem;
    line-height: 1.6;
    color: #33335e;
    font-weight: 500;
}

.key-highlights {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-top: auto;
}

.highlight {
    background: rgba(108, 92, 231, 0.1);
    padding: 0.5rem 1.2rem;
    border-radius: 40px 10px 40px 10px;
    font-weight: 600;
    color: var(--secondary);
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1rem;
    border: 1px solid rgba(108,92,231,0.2);
    transition: 0.2s;
}

.highlight i {
    color: var(--primary);
    font-size: 1rem;
}

.vmp-card:hover .highlight {
    background: rgba(255, 94, 124, 0.1);
    color: var(--primary);
    border-color: rgba(255,94,124,0.3);
}

/* ----- responsive ----- */
@media (max-width: 1024px) {
    .vmp-cards {
        gap: 1.5rem;
    }
    .vmp-header h2 {
        font-size: 2.4rem;
    }
    .card-title h3 {
        font-size: 1.8rem;
    }
}

@media (max-width: 900px) {
    .vmp-cards {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    .vmp-cards {
        grid-template-columns: 1fr;
    }
    .vmp-header h2 {
        font-size: 2rem;
    }
    .vmp-header p {
        font-size: 1.1rem;
    }
    .card-header {
        flex-direction: column;
        text-align: center;
    }
    .card-title {
        text-align: center;
    }
}




             /* OFFERS */


             /* ----- Products & Offerings Section ----- */
.products-offerings {
    padding: 5rem 0;
    background: linear-gradient(135deg, #fff2f0, #f0eaff);
    position: relative;
    overflow: hidden;
}

.products-offerings::before {
    content: '';
    position: absolute;
    top: -10%;
    left: -5%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255,94,124,0.08) 0%, transparent 70%);
    border-radius: 50%;
    z-index: 0;
}

.products-offerings::after {
    content: '';
    position: absolute;
    bottom: -10%;
    right: -5%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(108,92,231,0.1) 0%, transparent 70%);
    border-radius: 50%;
    z-index: 0;
}

.products-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
    position: relative;
    z-index: 2;
}

/* section header */
.products-offerings .section-header {
    text-align: center;
    margin-bottom: 3rem;
}

.products-offerings .section-header h2 {
    font-size: 2.8rem;
    font-weight: 800;
    background: linear-gradient(145deg, var(--secondary), var(--primary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

.products-offerings .section-header p {
    font-size: 1.2rem;
    color: #4a4a6a;
    max-width: 900px;
    margin: 0 auto;
    font-weight: 500;
    line-height: 1.6;
}

/* intro card */
.intro-card {
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(8px);
    border-radius: 60px 20px 60px 20px;
    padding: 2.5rem;
    margin-bottom: 4rem;
    box-shadow: var(--shadow-sm);
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box,
                linear-gradient(145deg, #ffe4f0, #fff0d4) border-box;
    transition: 0.3s;
}

.intro-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-hover);
    border-color: transparent;
    background: linear-gradient(white, white) padding-box,
                var(--grad-1) border-box;
}

.intro-card h3 {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 1.5rem;
    color: var(--secondary);
    display: flex;
    align-items: center;
    gap: 1rem;
}

.intro-card h3 i {
    color: var(--primary);
    background: white;
    padding: 0.8rem;
    border-radius: 30px 5px 30px 5px;
    box-shadow: 0 8px 0 #ffc9d3;
}

.intro-card p {
    font-size: 1.2rem;
    line-height: 1.7;
    color: #3a3a60;
    font-weight: 500;
}

/* PMMY categories */
.pmmy-categories {
    margin-bottom: 5rem;
}

.pmmy-categories h3 {
    font-size: 2.4rem;
    font-weight: 800;
    text-align: center;
    background: linear-gradient(145deg, var(--primary), var(--accent-sun));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1rem;
}

.categories-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.category-card {
    background: white;
    border-radius: 50px 15px 50px 15px;
    padding: 2.5rem 1.5rem;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease;
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box,
                linear-gradient(145deg, #ffdbdb, #ffe6bc) border-box;
    position: relative;
    overflow: hidden;
}

.category-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(145deg, rgba(255,94,124,0.1), rgba(255,180,70,0.1));
    opacity: 0;
    transition: 0.3s;
    z-index: 0;
    border-radius: inherit;
}

.category-card:hover {
    transform: translateY(-15px) scale(1.03);
    box-shadow: var(--shadow-hover);
    border-color: var(--primary-light);
}

.category-card:hover::after {
    opacity: 1;
}

.category-icon {
    width: 100px;
    height: 100px;
    background: var(--primary);
    border-radius: 40px 5px 40px 5px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    font-size: 3rem;
    color: white;
    box-shadow: 0 15px 25px -10px var(--primary);
    transition: 0.2s;
    position: relative;
    z-index: 1;
}

.category-card:nth-child(2) .category-icon { background: var(--secondary); }
.category-card:nth-child(3) .category-icon { background: var(--accent-sun); }
.category-card:nth-child(4) .category-icon { background: var(--accent-mint); }

.category-card h4 {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 0.5rem;
    background: linear-gradient(135deg, #2c1b4e, #b1456b);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.category-card p {
    color: #4f4f7a;
    font-weight: 600;
    margin-bottom: 1.5rem;
}

.loan-amount {
    background: rgba(108,92,231,0.1);
    padding: 0.8rem 1rem;
    border-radius: 40px 5px 40px 5px;
    font-weight: 700;
    color: var(--secondary);
    display: inline-block;
    border: 1px solid rgba(108,92,231,0.3);
    font-size: 1.2rem;
    position: relative;
    z-index: 1;
}

.category-card:hover .loan-amount {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}

/* funding types */
.funding-types {
    margin-bottom: 5rem;
}

.funding-types h3 {
    font-size: 2.4rem;
    font-weight: 800;
    text-align: center;
    background: linear-gradient(145deg, var(--secondary), var(--info-sky));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1rem;
}

.funding-cards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.funding-card {
    background: white;
    border-radius: 60px 20px 60px 20px;
    padding: 2.5rem;
    box-shadow: var(--shadow-sm);
    transition: 0.3s;
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box,
                linear-gradient(145deg, #dff0ff, #ffe4f0) border-box;
}

.funding-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-hover);
    border-color: transparent;
    background: linear-gradient(white, white) padding-box,
                linear-gradient(145deg, #ffd6e0, #ffe0c0) border-box;
}

.funding-header {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

.funding-icon {
    width: 70px;
    height: 70px;
    background: var(--primary);
    border-radius: 30px 5px 30px 5px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.2rem;
    color: white;
    box-shadow: 0 10px 15px -5px var(--primary);
}

.funding-card:nth-child(2) .funding-icon { background: var(--secondary); }

.funding-header h4 {
    font-size: 1.8rem;
    font-weight: 800;
    margin: 0;
    background: linear-gradient(135deg, #2c1b4e, #b1456b);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.funding-card p {
    color: #3a3a60;
    font-weight: 500;
    line-height: 1.7;
    margin-bottom: 1.8rem;
}

.funding-highlight {
    background: rgba(255,94,124,0.1);
    padding: 1.2rem;
    border-radius: 40px 5px 40px 5px;
    border-left: 5px solid var(--primary);
    font-weight: 600;
    color: #2d1b4e;
}

.funding-highlight p {
    margin: 0;
}

/* loan purposes */
.loan-purposes {
    margin-bottom: 5rem;
}

.loan-purposes h3 {
    font-size: 2.4rem;
    font-weight: 800;
    text-align: center;
    background: linear-gradient(145deg, var(--accent-mint), var(--accent-sun));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1rem;
}

.purposes-list {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
}

.purpose-item {
    background: white;
    border-radius: 40px 10px 40px 10px;
    padding: 2rem 1.5rem;
    display: flex;
    align-items: center;
    gap: 1.5rem;
    box-shadow: var(--shadow-sm);
    transition: 0.3s;
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box,
                linear-gradient(145deg, #ffe6f0, #fff0d4) border-box;
}

.purpose-item:hover {
    transform: translateX(8px) scale(1.02);
    box-shadow: var(--shadow-hover);
    border-color: var(--primary-light);
}

.purpose-icon {
    width: 70px;
    height: 70px;
    background: var(--primary);
    border-radius: 30px 5px 30px 5px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    flex-shrink: 0;
    box-shadow: 0 10px 15px -5px var(--primary);
}

.purpose-item:nth-child(2) .purpose-icon { background: var(--secondary); }
.purpose-item:nth-child(3) .purpose-icon { background: var(--accent-sun); }
.purpose-item:nth-child(4) .purpose-icon { background: var(--accent-mint); }
.purpose-item:nth-child(5) .purpose-icon { background: #ff9f4b; }
.purpose-item:nth-child(6) .purpose-icon { background: #3b9eff; }

.purpose-text h5 {
    font-size: 1.4rem;
    font-weight: 800;
    margin: 0 0 0.3rem;
    color: #1f1f3a;
}

.purpose-text p {
    color: #5a5a8a;
    font-weight: 500;
    margin: 0;
    line-height: 1.5;
}

/* activities section */
.activities-section {
    margin-top: 3rem;
}

.activities-section h3 {
    font-size: 2.4rem;
    font-weight: 800;
    text-align: center;
    background: linear-gradient(145deg, var(--info-sky), var(--secondary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1rem;
}

.activities-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.activity-card {
    background: white;
    border-radius: 60px 15px 60px 15px;
    padding: 2.5rem 2rem;
    box-shadow: var(--shadow-sm);
    transition: 0.3s;
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box,
                linear-gradient(145deg, #e8f0ff, #fff0e8) border-box;
    position: relative;
    overflow: hidden;
}

.activity-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-hover);
    border-color: transparent;
    background: linear-gradient(white, white) padding-box,
                var(--grad-2) border-box;
}

.activity-number {
    width: 60px;
    height: 60px;
    background: var(--primary);
    border-radius: 30px 5px 30px 5px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    font-weight: 800;
    color: white;
    margin-bottom: 1.5rem;
    box-shadow: 0 8px 0 #ffa5b0;
}

.activity-card:nth-child(even) .activity-number { background: var(--secondary); }
.activity-card:nth-child(3) .activity-number { background: var(--accent-sun); }
.activity-card:nth-child(4) .activity-number { background: var(--accent-mint); }
.activity-card:nth-child(5) .activity-number { background: #ff9f4b; }
.activity-card:nth-child(6) .activity-number { background: #3b9eff; }
.activity-card:nth-child(7) .activity-number { background: #b96ce7; }

.activity-card h4 {
    font-size: 1.8rem;
    font-weight: 800;
    margin-bottom: 1rem;
    background: linear-gradient(135deg, #2c1b4e, #b1456b);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.activity-card p {
    color: #3a3a60;
    font-weight: 500;
    line-height: 1.7;
    margin-bottom: 0;
}

/* responsive */
@media (max-width: 1024px) {
    .categories-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .purposes-list {
        grid-template-columns: repeat(2, 1fr);
    }
    .activities-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .products-offerings .section-header h2 {
        font-size: 2.2rem;
    }
    .pmmy-categories h3,
    .funding-types h3,
    .loan-purposes h3,
    .activities-section h3 {
        font-size: 2rem;
    }
    .categories-grid {
        grid-template-columns: 1fr;
    }
    .funding-cards {
        grid-template-columns: 1fr;
    }
    .purposes-list {
        grid-template-columns: 1fr;
    }
    .purpose-item {
        flex-direction: column;
        text-align: center;
    }
    .intro-card h3 {
        font-size: 1.8rem;
    }
    .funding-header {
        flex-direction: column;
        text-align: center;
    }
    .funding-header h4 {
        font-size: 1.6rem;
    }
}