/* =========================================================
   PERSONAL LOAN PAGE
   Complete CSS + New Responsive System
   Old/empty responsive blocks removed
========================================================= */

/* =========================================================
   1. ROOT VARIABLES
========================================================= */
.personal-loan-page {
  --loan-blue: #005baa;
  --loan-blue-dark: #003f78;
  --loan-blue-deep: #002b55;
  --loan-blue-light: #eaf5ff;
  --loan-orange: #f7941d;
  --loan-orange-dark: #e87800;
  --loan-orange-light: #fff4e5;
  --white: #ffffff;
  --black: #172033;
  --text: #586578;
  --muted: #7c8797;
  --border: #e4e9ef;
  --border-light: #edf1f5;
  --section-bg: #f8fafc;
  --light-bg: #f5f9fd;
  --shadow-sm: 0 4px 15px rgba(0, 43, 85, 0.06);
  --shadow-md: 0 10px 30px rgba(0, 43, 85, 0.09);
  --shadow-lg: 0 18px 45px rgba(0, 43, 85, 0.14);
  --transition: all 0.3s ease;

  font-family: "Poppins", sans-serif;
  color: var(--text);
  background: var(--white);
}

/* =========================================================
   2. COMMON RESET
========================================================= */
.personal-loan-page *,
.personal-loan-page *::before,
.personal-loan-page *::after {
  box-sizing: border-box;
}

.personal-loan-page img {
  max-width: 100%;
  height: auto;
}

.personal-loan-page a {
  text-decoration: none;
}

.personal-loan-page button,
.personal-loan-page input,
.personal-loan-page select,
.personal-loan-page textarea {
  font-family: inherit;
}

.personal-loan-page button {
  cursor: pointer;
}

/* =========================================================
   3. COMMON SECTION SETTINGS
========================================================= */
.personal-loan-page section {
  position: relative;
}

.personal-loan-page .container {
  width: min(1140px, calc(100% - 40px));
  margin-left: auto;
  margin-right: auto;
}

/* =========================================================
   4. COMMON SECTION HEADING
========================================================= */
.personal-section-heading {
  max-width: 760px;
  margin: 0 auto 48px;
  text-align: center;
}

.personal-section-heading > span {
  display: inline-block;
  margin-bottom: 10px;
  color: var(--loan-blue);
  font-size: 12px;
  line-height: 1.4;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
}

.personal-section-heading h2 {
  margin: 0 0 13px;
  color: var(--black);
  font-size: 38px;
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -0.6px;
}

.personal-section-heading h2 strong {
  color: var(--loan-blue);
  font-weight: 700;
}

.personal-section-heading p {
  max-width: 680px;
  margin: 0 auto;
  color: var(--text);
  font-size: 15px;
  line-height: 1.8;
}

/* =========================================================
   5. COMMON BUTTONS
========================================================= */
.personal-loan-page .btn-primary-loan,
.personal-loan-page .btn-outline-loan {
  min-height: 52px;
  padding: 13px 23px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-radius: 8px;
  font-size: 15px;
  line-height: 1.3;
  font-weight: 600;
  transition: var(--transition);
}

.personal-loan-page .btn-primary-loan {
  color: var(--white);
  background: var(--loan-blue);
  border: 1px solid var(--loan-blue);
}

.personal-loan-page .btn-primary-loan:hover {
  color: var(--white);
  background: var(--loan-blue-dark);
  border-color: var(--loan-blue-dark);
  transform: translateY(-3px);
  box-shadow: 0 10px 25px rgba(0, 91, 170, 0.3);
}

.personal-loan-page .btn-outline-loan {
  color: var(--white);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.7);
}

.personal-loan-page .btn-outline-loan:hover {
  color: var(--loan-blue);
  background: var(--white);
  border-color: var(--white);
  transform: translateY(-3px);
}

/* =========================================================
   6. HERO SECTION
========================================================= */
.personal-hero {
  position: relative;
  min-height: 610px;
  padding: 55px 0 70px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: url("../image/personal-banner.png") center center / cover no-repeat;
}

.personal-hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 0;
  background: linear-gradient(
    90deg,
    rgba(0, 43, 85, 0.44) 0%,
    rgba(0, 63, 120, 0.58) 45%,
    rgba(0, 91, 170, 0.66) 100%
  );
}

.personal-hero .container {
  position: relative;
  z-index: 2;
}

.personal-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(360px, 0.8fr);
  align-items: center;
  gap: 42px;
}

.personal-hero-content {
  max-width: 720px;
}

.personal-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 18px;
  padding: 0;
  background: transparent;
  border: 0;
  border-radius: 0;
  color: #ffffff;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.8px;
  text-transform: uppercase;
}

.personal-badge i {
  display: none;
}

.personal-badge::before {
  content: "";
  width: 55px;
  height: 4px;
  margin-right: 2px;
  background: #ffffff;
  border-radius: 10px;
}

.personal-hero-content h1 {
  margin: 0 0 22px;
  color: #ffffff;
  font-size: clamp(40px, 4.5vw, 58px);
  line-height: 1.08;
  letter-spacing: -1.2px;
  font-weight: 700;
}

.personal-hero-content h1 span {
  display: block;
  margin-top: 2px;
  color: #ffffff;
}

.personal-hero-content > p {
  max-width: 690px;
  margin: 0 0 27px;
  color: rgba(255, 255, 255, 0.92);
  font-size: 15px;
  line-height: 1.8;
  font-weight: 400;
}

.personal-hero-buttons {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.personal-hero-buttons .btn-primary-loan,
.personal-hero-buttons .btn-outline-loan {
  min-height: 52px;
  padding: 13px 23px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 600;
  transition: all 0.3s ease;
  text-decoration: none;
}

.personal-hero-buttons .btn-primary-loan {
  background: #005baa;
  color: #ffffff;
  border: 1px solid #005baa;
}

.personal-hero-buttons .btn-primary-loan:hover {
  background: #003f78;
  color: #ffffff;
  transform: translateY(-3px);
  box-shadow: 0 10px 25px rgba(0, 91, 170, 0.3);
}

.personal-hero-buttons .btn-outline-loan {
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.65);
  background: rgba(255, 255, 255, 0.06);
}

.personal-hero-buttons .btn-outline-loan:hover {
  background: #ffffff;
  color: #005baa;
  border-color: #ffffff;
  transform: translateY(-3px);
}

.personal-hero-trust {
  margin-top: 32px;
  display: flex;
  align-items: center;
  gap: 25px;
  flex-wrap: wrap;
}

.personal-trust-item {
  display: flex;
  align-items: center;
  gap: 9px;
  color: #ffffff;
}

.personal-trust-item > i {
  font-size: 17px;
  color: #ffffff;
}

.personal-trust-item div {
  display: flex;
  flex-direction: column;
}

.personal-trust-item strong {
  color: #ffffff;
  font-size: 13px;
  line-height: 1.3;
  font-weight: 600;
}

.personal-trust-item span {
  margin-top: 2px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 11px;
  line-height: 1.3;
}

/* =========================================================
   PERSONAL LOAN FORM
========================================================= */
.personal-form-card {
  width: 100%;
  max-width: 440px;
  margin-left: auto;
  padding: 30px;
  background: rgba(255, 255, 255, 0.98);
  border-radius: 18px;
  box-shadow: 0 20px 55px rgba(0, 0, 0, 0.22);
}

.personal-form-icon {
  width: 52px;
  height: 52px;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #eaf5ff;
  color: #005baa;
  border-radius: 12px;
  font-size: 21px;
}

.personal-form-card h2 {
  margin: 0 0 7px;
  color: #172033;
  font-size: 22px;
  line-height: 1.3;
  font-weight: 700;
}

.personal-form-card > p {
  margin: 0 0 20px;
  color: #7c8797;
  font-size: 14px;
  line-height: 1.6;
}

.personal-form-group {
  margin-bottom: 14px;
}

.personal-form-group label {
  display: block;
  margin-bottom: 6px;
  color: #172033;
  font-size: 12px;
  line-height: 1.4;
  font-weight: 600;
}

.personal-input-wrap {
  position: relative;
}

.personal-input-wrap > i {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: #7c8797;
  font-size: 13px;
  pointer-events: none;
}

.personal-input-wrap input,
.personal-input-wrap select {
  width: 100%;
  min-height: 50px;
  padding: 11px 14px 11px 40px;
  border: 1px solid #dce3eb;
  border-radius: 8px;
  background: #ffffff;
  color: #172033;
  font-family: "Poppins", sans-serif;
  font-size: 14px;
  outline: none;
  transition: all 0.25s ease;
}

.personal-input-wrap input::placeholder {
  color: #9aa4b2;
}

.personal-input-wrap input:focus,
.personal-input-wrap select:focus {
  border-color: #005baa;
  box-shadow: 0 0 0 3px rgba(0, 91, 170, 0.1);
}

.personal-input-wrap select {
  cursor: pointer;
  appearance: auto;
}

.personal-form-error {
  min-height: 0;
  margin-top: 4px;
  color: #dc3545;
  font-size: 11px;
}

.personal-submit-btn {
  width: 100%;
  min-height: 50px;
  margin-top: 2px;
  border: 0;
  border-radius: 8px;
  background: orange;
  color: #ffffff;
  font-family: "Poppins", sans-serif;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
}

.personal-submit-btn:hover {
  background: orange;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0, 91, 170, 0.25);
}

.personal-form-success {
  display: none;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  padding: 10px 12px;
  border-radius: 8px;
  background: #eaf8ef;
  color: #198754;
  font-size: 12px;
}

.personal-form-note {
  margin-top: 15px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  color: #7c8797;
  font-size: 10px;
  line-height: 1.5;
  text-align: center;
}

.personal-form-note i {
  color: #005baa;
  font-size: 11px;
}

/* =========================================================
   8. OVERVIEW
========================================================= */
.personal-overview {
  padding: 75px 0;
  background: var(--white);
}

.personal-overview-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(350px, 0.8fr);
  align-items: center;
  gap: 65px;
}

.personal-overview-content {
  max-width: 650px;
}

.personal-section-tag {
  display: inline-block;
  margin-bottom: 10px;
  color: var(--loan-blue);
  font-size: 12px;
  line-height: 1.4;
  font-weight: 700;
  letter-spacing: 1.3px;
  text-transform: uppercase;
}

.personal-overview-content h2,
.personal-why-content h2 {
  margin: 0 0 17px;
  color: var(--black);
  font-size: 38px;
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -0.6px;
}

.personal-overview-content h2 span,
.personal-why-content h2 span {
  color: var(--loan-blue);
}

.personal-overview-content > p {
  margin: 0 0 15px;
  color: var(--text);
  font-size: 15px;
  line-height: 1.85;
}

.personal-check-list {
  margin-top: 25px;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px 25px;
}

.personal-check-list > div {
  display: flex;
  align-items: center;
  gap: 9px;
  color: var(--black);
  font-size: 13px;
  font-weight: 500;
}

.personal-check-list i {
  color: var(--loan-blue);
  font-size: 14px;
}

.personal-overview-visual {
  min-height: 380px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 35px;
  background: linear-gradient(135deg, var(--loan-blue-light), #ffffff);
  border-radius: 20px;
  border: 1px solid #dcecf9;
}

.personal-visual-card {
  width: 100%;
  max-width: 390px;
  padding: 35px 30px;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow-md);
}

.personal-visual-icon {
  width: 65px;
  height: 65px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  background: var(--loan-blue);
  border-radius: 14px;
  font-size: 25px;
}

.personal-visual-card h3 {
  margin: 0 0 10px;
  color: var(--black);
  font-size: 21px;
  line-height: 1.35;
  font-weight: 700;
}

.personal-visual-card p {
  margin: 0;
  color: var(--text);
  font-size: 13px;
  line-height: 1.75;
}

.personal-visual-line {
  width: 70px;
  height: 2px;
  margin: 22px auto 14px;
  background: var(--loan-orange);
  border-radius: 5px;
}

.personal-visual-card > span {
  color: var(--loan-blue);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2px;
}

/* =========================================================
   9. FEATURES & BENEFITS
========================================================= */
.personal-features {
  padding: 75px 0;
  background: var(--section-bg);
}

.personal-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.personal-benefit-card {
  padding: 28px 25px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.personal-benefit-card:hover {
  transform: translateY(-6px);
  border-color: #d5e8f7;
  box-shadow: var(--shadow-md);
}

.personal-benefit-icon {
  width: 48px;
  height: 48px;
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--loan-blue);
  background: var(--loan-blue-light);
  border-radius: 10px;
  font-size: 18px;
}

.personal-benefit-card h3 {
  margin: 0 0 9px;
  color: var(--black);
  font-size: 17px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-benefit-card p {
  margin: 0;
  color: var(--text);
  font-size: 13px;
  line-height: 1.75;
}

/* =========================================================
   10. ELIGIBILITY
========================================================= */
.personal-eligibility {
  padding: 75px 0;
  background: var(--white);
}

.personal-eligibility-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 25px;
}

.personal-info-card {
  padding: 30px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
}

.personal-card-title {
  display: flex;
  align-items: center;
  gap: 13px;
  margin-bottom: 22px;
}

.personal-small-icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--loan-blue);
  background: var(--loan-blue-light);
  border-radius: 10px;
  font-size: 17px;
}

.personal-card-title h3 {
  margin: 0;
  color: var(--black);
  font-size: 19px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-info-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.personal-info-card li {
  position: relative;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 0;
  color: var(--text);
  border-bottom: 1px solid var(--border-light);
  font-size: 13px;
  line-height: 1.6;
}

.personal-info-card li:last-child {
  border-bottom: 0;
}

.personal-info-card li i {
  flex-shrink: 0;
  margin-top: 4px;
  color: var(--loan-blue);
  font-size: 12px;
}

/* =========================================================
   11. INTEREST RATES
========================================================= */
.personal-interest {
  padding: 75px 0;
  background: var(--section-bg);
}

.personal-interest-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.personal-interest-card {
  padding: 28px 25px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.personal-interest-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}

.personal-interest-icon {
  width: 48px;
  height: 48px;
  margin-bottom: 17px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--loan-blue);
  background: var(--loan-blue-light);
  border-radius: 10px;
  font-size: 18px;
}

.personal-interest-card h3 {
  margin: 0 0 9px;
  color: var(--black);
  font-size: 17px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-interest-card p {
  margin: 0;
  color: var(--text);
  font-size: 13px;
  line-height: 1.75;
}

.personal-interest-note {
  margin-top: 25px;
  padding: 16px 18px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: var(--loan-orange-light);
  border: 1px solid #f8dfc1;
  border-radius: 10px;
}

.personal-interest-note > i {
  flex-shrink: 0;
  margin-top: 3px;
  color: var(--loan-orange);
  font-size: 15px;
}

.personal-interest-note p {
  margin: 0;
  color: #76552e;
  font-size: 12px;
  line-height: 1.7;
}

/* =========================================================
   12. TYPES OF PERSONAL LOAN
========================================================= */
.personal-types {
  padding: 75px 0;
  background: var(--white);
}

.personal-types-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.personal-type-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 310px;
  padding: 25px 22px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.personal-type-card:hover {
  transform: translateY(-5px);
  border-color: #cfe4f5;
  box-shadow: var(--shadow-md);
}

.personal-type-icon {
  width: 46px;
  height: 46px;
  margin-bottom: 17px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--loan-blue);
  background: var(--loan-blue-light);
  border-radius: 10px;
  font-size: 17px;
}

.personal-type-card h3 {
  margin: 0 0 9px;
  color: var(--black);
  font-size: 16px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-type-card p {
  margin: 0 0 18px;
  color: var(--text);
  font-size: 12.5px;
  line-height: 1.75;
}

.personal-type-card > a {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--loan-blue);
  font-size: 12px;
  font-weight: 600;
  transition: var(--transition);
}

.personal-type-card > a:hover {
  color: var(--loan-blue-dark);
  gap: 10px;
}

/* =========================================================
   13. HOW TO APPLY
========================================================= */
.personal-process {
  padding: 75px 0;
  background: var(--section-bg);
}

.personal-process-grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 18px;
}

.personal-process-item {
  position: relative;
  padding: 28px 20px;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
}

.process-number {
  position: absolute;
  top: 12px;
  right: 15px;
  color: #dbeaf7;
  font-size: 18px;
  line-height: 1;
  font-weight: 800;
}

.process-icon {
  width: 52px;
  height: 52px;
  margin: 0 auto 17px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--loan-blue);
  background: var(--loan-blue-light);
  border-radius: 12px;
  font-size: 18px;
}

.personal-process-item h3 {
  margin: 0 0 8px;
  color: var(--black);
  font-size: 16px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-process-item p {
  margin: 0;
  color: var(--text);
  font-size: 13px;
  line-height: 1.7;
}

/* =========================================================
   14. EMI CALCULATOR
========================================================= */
.personal-emi {
  padding: 75px 0;
  background: var(--white);
}

.personal-emi-wrapper {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(330px, 0.85fr);
  gap: 25px;
}

.personal-emi-calculator {
  padding: 30px;
  background: var(--section-bg);
  border: 1px solid var(--border);
  border-radius: 16px;
}

.personal-emi-field {
  margin-bottom: 27px;
}

.personal-emi-field:last-child {
  margin-bottom: 0;
}

.emi-field-top {
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
}

.emi-field-top label {
  margin: 0;
  color: var(--black);
  font-size: 13px;
  font-weight: 600;
}

.emi-field-top strong {
  color: var(--loan-blue);
  font-size: 15px;
  font-weight: 700;
}

.personal-emi-field input[type="range"] {
  width: 100%;
  accent-color: var(--loan-blue);
  cursor: pointer;
}

.emi-range-labels {
  margin-top: 5px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: var(--muted);
  font-size: 10px;
}

.personal-emi-result {
  padding: 30px;
  color: var(--white);
  background: linear-gradient(135deg, var(--loan-blue-dark), var(--loan-blue));
  border-radius: 16px;
  box-shadow: var(--shadow-md);
}

.emi-result-heading {
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
}

.emi-result-heading span {
  color: rgba(255, 255, 255, 0.8);
  font-size: 12px;
  font-weight: 500;
}

.emi-result-heading i {
  color: var(--loan-orange);
  font-size: 18px;
}

.personal-emi-result > h3 {
  margin: 0 0 25px;
  color: var(--white);
  font-size: 34px;
  line-height: 1.2;
  font-weight: 700;
}

.emi-result-list {
  padding: 17px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.emi-result-list > div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
  padding: 7px 0;
}

.emi-result-list span {
  color: rgba(255, 255, 255, 0.72);
  font-size: 12px;
}

.emi-result-list strong {
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
}

.personal-emi-btn {
  width: 100%;
  min-height: 50px;
  margin-top: 23px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  color: var(--loan-blue);
  background: var(--white);
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  transition: var(--transition);
}

.personal-emi-btn:hover {
  color: var(--loan-blue-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.12);
}

.personal-emi-result > small {
  display: block;
  margin-top: 15px;
  color: rgba(255, 255, 255, 0.62);
  font-size: 9px;
  line-height: 1.6;
}

/* =========================================================
   15. WHY LOAN Suvidha
========================================================= */
.personal-why {
  padding: 75px 0;
  background: var(--section-bg);
}

.personal-why-grid {
  display: grid;
  grid-template-columns: minmax(350px, 0.85fr) minmax(0, 1.15fr);
  align-items: center;
  gap: 65px;
}

.personal-why-visual {
  position: relative;
  min-height: 400px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #edf7ff, #ffffff);
  border: 1px solid #dcecf9;
  border-radius: 20px;
}

/* PERFECT CIRCLE */
.why-circle-main {
  width: 220px;
  height: 220px;
  min-width: 220px;
  min-height: 220px;
  aspect-ratio: 1 / 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  text-align: center;
  color: var(--white);
  background: linear-gradient(135deg, var(--loan-blue-dark), var(--loan-blue));
  border-radius: 50%;
  box-shadow: 0 20px 50px rgba(0, 91, 170, 0.2);
}

.why-circle-main i {
  margin-bottom: 13px;
  color: var(--loan-orange);
  font-size: 32px;
}

.why-circle-main strong {
  display: block;
  margin-bottom: 4px;
  color: var(--white);
  font-size: 20px;
  font-weight: 700;
}

.why-circle-main span {
  max-width: 150px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 10px;
  line-height: 1.5;
}

.why-floating-card {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 13px;
  color: var(--black);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  box-shadow: var(--shadow-md);
  font-size: 11px;
  font-weight: 600;
}

.why-floating-card i {
  color: var(--loan-blue);
}

.why-card-one {
  top: 60px;
  left: 20px;
}

.why-card-two {
  right: 20px;
  bottom: 60px;
}

.personal-why-content {
  max-width: 650px;
}

.personal-why-content > p {
  margin: 0 0 25px;
  color: var(--text);
  font-size: 15px;
  line-height: 1.8;
}

.personal-why-list {
  display: grid;
  gap: 16px;
}

.personal-why-list > div {
  display: flex;
  align-items: flex-start;
  gap: 13px;
}

.why-list-icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--loan-blue);
  background: var(--loan-blue-light);
  border-radius: 9px;
  font-size: 14px;
}

.personal-why-list h3 {
  margin: 0 0 3px;
  color: var(--black);
  font-size: 15px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-why-list p {
  margin: 0;
  color: var(--text);
  font-size: 12px;
  line-height: 1.65;
}

/* =========================================================
   16. FAQ
========================================================= */
.personal-faq {
  padding: 75px 0;
  background: var(--white);
}

.personal-faq-wrapper {
  max-width: 900px;
  margin: 0 auto;
}

.personal-faq-item {
  margin-bottom: 10px;
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  transition: var(--transition);
}

.personal-faq-item:last-child {
  margin-bottom: 0;
}

.personal-faq-item:hover {
  border-color: #cfe3f2;
}

.personal-faq-question {
  width: 100%;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  color: var(--black);
  background: var(--white);
  border: 0;
  text-align: left;
  font-size: 14px;
  line-height: 1.5;
  font-weight: 600;
  cursor: pointer;
}

.personal-faq-question i {
  color: var(--loan-blue);
  font-size: 13px;
  transition: var(--transition);
  flex-shrink: 0;
}

.personal-faq-item.active .personal-faq-question i {
  transform: rotate(45deg);
}

.personal-faq-answer {
  display: none;
  padding: 0 20px 18px;
}

.personal-faq-item.active .personal-faq-answer {
  display: block;
}

.personal-faq-answer p {
  margin: 0;
  color: var(--text);
  font-size: 13px;
  line-height: 1.75;
}

/* =========================================================
   17. APPLY CTA
========================================================= */
.personal-apply {
  position: relative;
  padding: 75px 0;
  overflow: hidden;
  background: linear-gradient(
    135deg,
    rgba(0, 43, 85, 0.98),
    rgba(0, 91, 170, 0.94)
  );
}

.personal-apply-overlay {
  position: absolute;
  inset: 0;
  background: radial-gradient(
    circle at 85% 20%,
    rgba(247, 148, 29, 0.18),
    transparent 35%
  );
}

.personal-apply-content {
  position: relative;
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.personal-apply-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 14px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 11px;
  line-height: 1.4;
  font-weight: 700;
  letter-spacing: 1.4px;
}

.personal-apply-badge i {
  color: var(--loan-orange);
}

.personal-apply-content h2 {
  margin: 0 0 14px;
  color: var(--white);
  font-size: 40px;
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -0.5px;
}

.personal-apply-content h2 span {
  display: block;
  color: var(--loan-orange);
}

.personal-apply-content > p {
  max-width: 650px;
  margin: 0 auto 25px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 14px;
  line-height: 1.8;
}

.personal-apply-buttons {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}

/* =========================================================
   18. DISCLAIMER
========================================================= */
.personal-disclaimer {
  padding: 35px 0;
  background: #f8fafc;
}

.personal-disclaimer-box {
  padding: 20px 22px;
  display: flex;
  align-items: flex-start;
  gap: 15px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
}

.personal-disclaimer-box > i {
  flex-shrink: 0;
  margin-top: 3px;
  color: var(--loan-blue);
  font-size: 17px;
}

.personal-disclaimer-box h3 {
  margin: 0 0 6px;
  color: var(--black);
  font-size: 15px;
  line-height: 1.4;
  font-weight: 700;
}

.personal-disclaimer-box p {
  margin: 0;
  color: var(--text);
  font-size: 11px;
  line-height: 1.75;
}

/* =========================================================
   NEW RESPONSIVE SYSTEM
   Old empty/duplicate responsive blocks removed
========================================================= */

/* ---------------------------------------------------------
   LARGE LAPTOP - 1199px
--------------------------------------------------------- */
@media (max-width: 1199px) {
  .personal-loan-page .container {
    width: min(1000px, calc(100% - 36px));
  }

  .personal-hero-grid {
    grid-template-columns: minmax(0, 1.1fr) minmax(330px, 0.9fr);
    gap: 32px;
  }

  .personal-overview-grid,
  .personal-why-grid {
    gap: 40px;
  }

  .personal-benefits-grid,
  .personal-interest-grid {
    gap: 18px;
  }

  .personal-types-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .personal-process-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    row-gap: 20px;
  }
}

/* ---------------------------------------------------------
   TABLET - 991px
--------------------------------------------------------- */
@media (max-width: 991px) {
  .personal-loan-page .container {
    width: min(760px, calc(100% - 34px));
  }

  .personal-hero {
    min-height: auto;
    padding: 60px 0 65px;
  }

  .personal-hero-grid,
  .personal-overview-grid,
  .personal-eligibility-grid,
  .personal-why-grid,
  .personal-emi-wrapper {
    grid-template-columns: 1fr;
  }

  .personal-hero-content,
  .personal-overview-content,
  .personal-why-content {
    max-width: 100%;
  }

  .personal-hero-content {
    text-align: center;
    margin: 0 auto;
  }

  .personal-hero-content > p {
    margin-left: auto;
    margin-right: auto;
  }

  .personal-hero-buttons,
  .personal-hero-trust {
    justify-content: center;
  }

  .personal-form-card {
    max-width: 520px;
    margin: 0 auto;
  }

  .personal-overview-visual,
  .personal-why-visual {
    width: 100%;
    max-width: 680px;
    margin: 0 auto;
  }

  .personal-benefits-grid,
  .personal-interest-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .personal-types-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .personal-process-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .personal-section-heading h2,
  .personal-overview-content h2,
  .personal-why-content h2 {
    font-size: 34px;
  }

  .personal-apply-content h2 {
    font-size: 36px;
  }
}

/* ---------------------------------------------------------
   MOBILE - 767px
--------------------------------------------------------- */
@media (max-width: 767px) {
  .personal-loan-page {
    overflow-x: hidden;
  }

  .personal-loan-page .container {
    width: calc(100% - 28px);
    max-width: none;
  }

  .personal-hero {
    padding: 50px 0 52px;
  }

  .personal-hero-content h1 {
    font-size: clamp(34px, 8vw, 44px);
    line-height: 1.12;
    letter-spacing: -0.7px;
  }

  .personal-hero-content > p {
    font-size: 14px;
    line-height: 1.75;
  }

  .personal-hero-buttons {
    gap: 10px;
  }

  .personal-hero-trust {
    gap: 16px 22px;
  }

  .personal-form-card {
    max-width: 560px;
    padding: 25px;
    border-radius: 16px;
  }

  .personal-overview,
  .personal-features,
  .personal-eligibility,
  .personal-interest,
  .personal-types,
  .personal-process,
  .personal-emi,
  .personal-why,
  .personal-faq,
  .personal-apply {
    padding: 55px 0;
  }

  .personal-section-heading {
    margin-bottom: 34px;
  }

  .personal-section-heading h2,
  .personal-overview-content h2,
  .personal-why-content h2 {
    font-size: clamp(28px, 7vw, 34px);
  }

  .personal-section-heading p,
  .personal-overview-content > p,
  .personal-why-content > p {
    font-size: 14px;
  }

  .personal-check-list {
    grid-template-columns: 1fr;
    gap: 11px;
  }

  .personal-overview-visual {
    min-height: 330px;
    padding: 25px;
  }

  .personal-visual-card {
    padding: 28px 22px;
  }

  .personal-benefits-grid,
  .personal-interest-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .personal-types-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .personal-process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .personal-info-card,
  .personal-emi-calculator,
  .personal-emi-result {
    padding: 25px;
  }

  .personal-why-visual {
    min-height: 330px;
  }

  /* Keep the main circle perfectly round */
  .why-circle-main {
    width: 245px;
    height: 245px;
    min-width: 245px;
    min-height: 245px;
    aspect-ratio: 1 / 1;
    border-radius: 50%;
  }

  .why-card-one {
    top: 25px;
    left: 15px;
  }

  .why-card-two {
    right: 15px;
    bottom: 25px;
  }

  .personal-apply-content h2 {
    font-size: 32px;
  }

  .personal-disclaimer {
    padding: 28px 0;
  }
}

/* ---------------------------------------------------------
   SMALL MOBILE - 576px
--------------------------------------------------------- */
@media (max-width: 576px) {
  .personal-loan-page .container {
    width: calc(100% - 24px);
  }

  .personal-hero {
    padding: 42px 0 45px;
  }

  .personal-badge {
    font-size: 9px;
    letter-spacing: 1.3px;
  }

  .personal-badge::before {
    width: 38px;
    height: 3px;
  }

  .personal-hero-content h1 {
    font-size: clamp(31px, 9.5vw, 40px);
  }

  .personal-hero-content > p {
    font-size: 13px;
  }

  .personal-hero-buttons {
    flex-direction: column;
    align-items: stretch;
  }

  .personal-hero-buttons .btn-primary-loan,
  .personal-hero-buttons .btn-outline-loan {
    width: 100%;
  }

  .personal-hero-trust {
    flex-direction: column;
    align-items: flex-start;
    width: max-content;
    max-width: 100%;
    margin-left: auto;
    margin-right: auto;
  }

  .personal-form-card {
    padding: 21px 17px;
  }

  .personal-form-card h2 {
    font-size: 20px;
  }

  .personal-form-card > p {
    font-size: 13px;
  }

  .personal-input-wrap input,
  .personal-input-wrap select {
    min-height: 48px;
    font-size: 16px;
  }

  .personal-overview,
  .personal-features,
  .personal-eligibility,
  .personal-interest,
  .personal-types,
  .personal-process,
  .personal-emi,
  .personal-why,
  .personal-faq,
  .personal-apply {
    padding: 45px 0;
  }

  .personal-section-heading {
    margin-bottom: 28px;
  }

  .personal-section-heading > span,
  .personal-section-tag {
    font-size: 10px;
    letter-spacing: 1.1px;
  }

  .personal-section-heading h2,
  .personal-overview-content h2,
  .personal-why-content h2 {
    font-size: 27px;
    line-height: 1.22;
  }

  .personal-section-heading p,
  .personal-overview-content > p,
  .personal-why-content > p {
    font-size: 13px;
    line-height: 1.7;
  }

  .personal-benefits-grid,
  .personal-interest-grid,
  .personal-types-grid,
  .personal-process-grid {
    grid-template-columns: 1fr;
  }

  .personal-benefit-card,
  .personal-interest-card,
  .personal-type-card {
    padding: 23px 20px;
  }

  .personal-type-card {
    min-height: auto;
  }

  .personal-info-card {
    padding: 21px 18px;
  }

  .personal-card-title {
    gap: 10px;
    margin-bottom: 16px;
  }

  .personal-card-title h3 {
    font-size: 17px;
  }

  .personal-info-card li {
    font-size: 12px;
  }

  .personal-interest-note,
  .personal-disclaimer-box {
    padding: 14px;
  }

  .personal-process-item {
    padding: 24px 17px;
  }

  .personal-emi-calculator,
  .personal-emi-result {
    padding: 21px 18px;
  }

  .personal-emi-result > h3 {
    font-size: 29px;
  }

  .emi-field-top strong {
    font-size: 14px;
  }

  .personal-why-visual {
    min-height: 290px;
    padding: 20px;
  }

  .why-circle-main {
    width: 220px;
    height: 220px;
    min-width: 220px;
    min-height: 220px;
    aspect-ratio: 1 / 1;
    border-radius: 50%;
  }

  .why-circle-main i {
    font-size: 27px;
    margin-bottom: 9px;
  }

  .why-circle-main strong {
    font-size: 18px;
  }

  .why-floating-card {
    padding: 8px 10px;
    font-size: 9px;
  }

  .why-card-one {
    top: 14px;
    left: 8px;
  }

  .why-card-two {
    right: 8px;
    bottom: 14px;
  }

  .personal-why-list > div {
    gap: 10px;
  }

  .why-list-icon {
    width: 36px;
    height: 36px;
  }

  .personal-apply-content h2 {
    font-size: 28px;
  }

  .personal-apply-buttons {
    flex-direction: column;
    align-items: stretch;
  }

  .personal-apply-buttons a,
  .personal-apply-buttons button {
    width: 100%;
  }

  .personal-disclaimer-box {
    gap: 10px;
  }
}

/* ---------------------------------------------------------
   VERY SMALL MOBILE - 400px
--------------------------------------------------------- */
@media (max-width: 400px) {
  .personal-loan-page .container {
    width: calc(100% - 20px);
  }

  .personal-hero {
    padding: 38px 0 40px;
  }

  .personal-hero-content h1 {
    font-size: 30px;
  }

  .personal-hero-content > p {
    font-size: 12px;
  }

  .personal-form-card {
    padding: 18px 14px;
    border-radius: 14px;
  }

  .personal-form-icon {
    width: 46px;
    height: 46px;
    font-size: 18px;
  }

  .personal-form-card h2 {
    font-size: 19px;
  }

  .personal-input-wrap input,
  .personal-input-wrap select {
    min-height: 46px;
    padding-left: 37px;
    font-size: 16px;
  }

  .personal-section-heading h2,
  .personal-overview-content h2,
  .personal-why-content h2 {
    font-size: 25px;
  }

  .personal-section-heading p,
  .personal-overview-content > p,
  .personal-why-content > p {
    font-size: 12px;
  }

  .personal-overview-visual {
    min-height: 270px;
    padding: 18px;
  }

  .personal-visual-card {
    padding: 23px 17px;
  }

  .personal-benefit-card,
  .personal-interest-card,
  .personal-type-card {
    padding: 20px 17px;
  }

  .personal-process-item {
    padding: 21px 14px;
  }

  .personal-process-item h3 {
    font-size: 14px;
  }

  .personal-process-item p {
    font-size: 11px;
  }

  .personal-why-visual {
    min-height: 250px;
  }

  .why-circle-main {
    width: 190px;
    height: 190px;
    min-width: 190px;
    min-height: 190px;
    aspect-ratio: 1 / 1;
    border-radius: 50%;
  }

  .why-circle-main i {
    font-size: 23px;
  }

  .why-circle-main strong {
    font-size: 16px;
  }

  .why-circle-main span {
    max-width: 125px;
    font-size: 9px;
  }

  .why-floating-card {
    padding: 7px 8px;
    font-size: 8px;
  }

  .personal-apply-content h2 {
    font-size: 25px;
  }

  .personal-faq-question {
    padding: 15px;
    gap: 12px;
    font-size: 12px;
  }

  .personal-faq-answer {
    padding: 0 15px 15px;
  }

  .personal-faq-answer p {
    font-size: 11px;
  }
}

/* ---------------------------------------------------------
   360px
--------------------------------------------------------- */
@media (max-width: 360px) {
  .personal-loan-page .container {
    width: calc(100% - 16px);
  }

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

  .personal-badge {
    font-size: 8px;
  }

  .personal-hero-trust {
    gap: 12px;
  }

  .personal-trust-item strong {
    font-size: 11px;
  }

  .personal-trust-item span {
    font-size: 9px;
  }

  .personal-section-heading h2,
  .personal-overview-content h2,
  .personal-why-content h2 {
    font-size: 23px;
  }

  .personal-overview-visual {
    min-height: 245px;
    padding: 14px;
  }

  .why-circle-main {
    width: 175px;
    height: 175px;
    min-width: 175px;
    min-height: 175px;
  }

  .why-circle-main i {
    font-size: 20px;
    margin-bottom: 6px;
  }

  .why-circle-main strong {
    font-size: 14px;
  }

  .why-circle-main span {
    max-width: 115px;
    font-size: 8px;
  }

  .why-card-one {
    left: 4px;
  }

  .why-card-two {
    right: 4px;
  }

  .why-floating-card {
    max-width: 105px;
    padding: 6px 7px;
    font-size: 7px;
  }

  .personal-emi-result > h3 {
    font-size: 26px;
  }
}

/* ---------------------------------------------------------
   320px
--------------------------------------------------------- */
@media (max-width: 320px) {
  .personal-loan-page .container {
    width: calc(100% - 12px);
  }

  .personal-hero {
    padding: 32px 0 35px;
  }

  .personal-hero-content h1 {
    font-size: 25px;
  }

  .personal-hero-content > p {
    font-size: 11px;
  }

  .personal-form-card {
    padding: 16px 12px;
  }

  .personal-form-card h2 {
    font-size: 18px;
  }

  .personal-section-heading h2,
  .personal-overview-content h2,
  .personal-why-content h2 {
    font-size: 21px;
  }

  .personal-visual-card h3 {
    font-size: 18px;
  }

  .personal-visual-card p {
    font-size: 11px;
  }

  .why-circle-main {
    width: 155px;
    height: 155px;
    min-width: 155px;
    min-height: 155px;
  }

  .why-circle-main strong {
    font-size: 13px;
  }

  .why-circle-main span {
    max-width: 100px;
    font-size: 7px;
  }

  .why-floating-card {
    max-width: 90px;
    font-size: 6.5px;
  }
}

/* =========================================================
   ACCESSIBILITY / FOCUS
========================================================= */
.personal-loan-page a:focus-visible,
.personal-loan-page button:focus-visible,
.personal-loan-page input:focus-visible,
.personal-loan-page select:focus-visible,
.personal-loan-page textarea:focus-visible {
  outline: 2px solid var(--loan-orange);
  outline-offset: 2px;
}

/* =========================================================
   REDUCE MOTION
========================================================= */
@media (prefers-reduced-motion: reduce) {
  .personal-loan-page *,
  .personal-loan-page *::before,
  .personal-loan-page *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}