/* ============================================================
   NAVNIRMAN — PRODUCT PAGE SHARED STYLES
   Used by all 12 product pages (6 MSME + 6 Corporate)
   ============================================================ */

/* BACK STRIP */
.back-strip {
  background: rgba(27,77,142,0.08);
  border-bottom: 1px solid rgba(27,77,142,0.12);
  padding: 0.5rem 0;
  font-size: 0.8125rem;
  text-align: center;
  color: var(--gray-500);
}
.back-strip a { color: var(--msme-primary); font-weight: 600; }
.back-strip-dark { background: rgba(201,168,76,0.08); border-bottom: 1px solid rgba(201,168,76,0.12); }
.back-strip-dark a { color: var(--brand-gold); }

/* BREADCRUMB */
.prod-breadcrumb {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1rem;
  font-weight: 500;
}
.prod-breadcrumb a { color: rgba(255,255,255,0.7); }
.prod-breadcrumb-dark { color: rgba(255,255,255,0.4); }

/* HERO */
.prod-hero {
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}
.prod-hero-msme {
  background: linear-gradient(135deg, var(--msme-primary) 0%, #0b2348 100%);
}
.prod-hero-msme::before {
  content: '';
  position: absolute; top: -30%; right: -15%;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(244,128,26,0.15), transparent 70%);
}
.prod-hero-corp {
  background: linear-gradient(135deg, var(--corp-bg) 0%, #0a1929 100%);
  border-bottom: 1px solid rgba(201,168,76,0.1);
}
.prod-hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.prod-hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 4vw, 3.25rem);
  font-weight: 900;
  color: white;
  line-height: 1.1;
  margin-bottom: 1.5rem;
}
.prod-hero-sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.75;
  margin-bottom: 2rem;
  max-width: 560px;
}

/* HIGHLIGHTS */
.prod-highlights {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  padding: 1.5rem;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
}
.prod-highlight { text-align: center; }
.prod-highlight-val {
  display: block;
  font-family: var(--font-display);
  font-size: 1.375rem;
  font-weight: 700;
  color: #F4A94E;
  line-height: 1;
  margin-bottom: 4px;
}
.prod-highlight-val-gold { color: var(--brand-gold); }
.prod-highlight-lbl {
  display: block;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  font-weight: 500;
}

/* HERO FORM CARD */
.prod-hero-card {
  background: white;
  border-radius: 20px;
  padding: 2rem;
  box-shadow: 0 30px 80px rgba(0,0,0,0.3);
}
.prod-hero-card-title {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 800;
  color: var(--msme-primary);
  margin-bottom: 0.5rem;
}
.prod-hero-card-sub {
  font-size: 0.875rem;
  color: var(--gray-500);
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--msme-border);
}
.prod-hero-card-title-gold { color: var(--corp-accent); }

/* SECTION BASICS */
.prod-section { padding: 5rem 0; }
.bg-white { background: white; }
.bg-dark { background: var(--corp-bg); }
.bg-dark-2 { background: var(--corp-surface); }

/* TWO-COL LAYOUT */
.prod-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

/* PRODUCT TYPE CARDS */
.prod-types-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.prod-type-card {
  background: var(--msme-bg);
  border: 1.5px solid var(--msme-border);
  border-radius: 12px;
  padding: 1.25rem;
  transition: var(--transition);
}
.prod-type-card:hover {
  border-color: var(--msme-primary);
  transform: translateY(-2px);
}
.prod-type-card-dark {
  background: var(--corp-surface);
  border-color: var(--corp-border);
}
.prod-type-card-dark:hover { border-color: var(--brand-gold); }
.prod-type-icon { font-size: 1.5rem; margin-bottom: 0.5rem; }
.prod-type-card h4 {
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--msme-primary);
  margin-bottom: 0.375rem;
}
.prod-type-card-dark h4 { color: white; }
.prod-type-card p { font-size: 0.875rem; color: var(--gray-500); line-height: 1.6; }
.prod-type-card-dark p { color: rgba(255,255,255,0.45); }

/* ELIGIBILITY GRID */
.elig-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.elig-card {
  border-radius: 12px;
  padding: 1.75rem;
}
.elig-yes  { background: rgba(45,106,79,0.06); border: 1.5px solid rgba(45,106,79,0.2); }
.elig-maybe{ background: rgba(245,158,11,0.06); border: 1.5px solid rgba(245,158,11,0.2); }
.elig-docs { background: rgba(27,77,142,0.06); border: 1.5px solid rgba(27,77,142,0.15); }
.elig-card-icon { font-size: 1.75rem; margin-bottom: 0.75rem; }
.elig-card h4 {
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--msme-text);
}
.elig-card ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.elig-card ul li { font-size: 0.9rem; color: var(--gray-700); padding-left: 1.25rem; position: relative; }
.elig-card ul li::before { content: '•'; position: absolute; left: 0; color: var(--msme-primary); font-weight: 700; }
.elig-yes ul li::before { color: var(--success); }
.elig-maybe ul li::before { color: #d97706; }

/* PROCESS TIMELINE */
.process-timeline {
  display: flex;
  flex-direction: column;
  gap: 0;
  max-width: 760px;
  margin: 0 auto;
}
.process-tl-item {
  display: flex;
  gap: 2rem;
  padding: 2rem 0;
  position: relative;
}
.process-tl-item:not(:last-child)::after {
  content: '';
  position: absolute;
  left: 19px;
  top: 56px;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--msme-primary), rgba(27,77,142,0.1));
}
.process-tl-num {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--msme-primary);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
  flex-shrink: 0;
}
.process-tl-num-gold { background: var(--brand-gold); color: var(--brand-primary); }
.process-tl-content h4 { font-weight: 700; color: var(--msme-text); margin-bottom: 0.375rem; font-size: 1rem; }
.process-tl-content-dark h4 { color: white; }
.process-tl-content p { font-size: 0.9375rem; color: var(--gray-500); line-height: 1.65; }
.process-tl-content-dark p { color: rgba(255,255,255,0.45); }
.process-tl-time {
  display: inline-block;
  margin-top: 0.5rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--msme-accent);
  background: rgba(244,128,26,0.1);
  padding: 0.2rem 0.65rem;
  border-radius: 100px;
}
.process-tl-time-gold { color: var(--brand-gold); background: rgba(201,168,76,0.1); }

/* FAQ */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.faq-item {
  border-bottom: 1px solid var(--msme-border);
}
.faq-item:first-child { border-top: 1px solid var(--msme-border); }
.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 1.25rem 3rem 1.25rem 0;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--msme-text);
  cursor: pointer;
  position: relative;
  transition: var(--transition);
}
.faq-q:hover { color: var(--msme-primary); }
.faq-q::after {
  content: '+';
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--msme-primary);
  transition: var(--transition);
}
.faq-item.open .faq-q::after { content: '−'; }
.faq-a {
  display: none;
  padding: 0 0 1.25rem;
}
.faq-item.open .faq-a { display: block; }
.faq-a p { font-size: 0.9375rem; color: var(--gray-500); line-height: 1.75; }

/* DARK FAQ VARIANT */
.faq-q-dark { color: white; }
.faq-q-dark:hover { color: var(--brand-gold); }
.faq-q-dark::after { color: var(--brand-gold); }
.faq-item-dark { border-color: rgba(255,255,255,0.08); }
.faq-a-dark p { color: rgba(255,255,255,0.5); }

/* CTA BANNER */
.prod-cta-banner { padding: 5rem 0; }

/* RATES TABLE */
.rates-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: 12px;
  overflow: hidden;
}
.rates-table th {
  background: var(--msme-primary);
  color: white;
  padding: 1rem 1.25rem;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.05em;
}
.rates-table td {
  padding: 0.875rem 1.25rem;
  font-size: 0.9375rem;
  color: var(--gray-700);
  border-bottom: 1px solid var(--msme-border);
}
.rates-table tr:last-child td { border-bottom: none; }
.rates-table tr:nth-child(even) td { background: rgba(27,77,142,0.03); }
.rates-table-dark th { background: var(--brand-gold); color: var(--brand-primary); }
.rates-table-dark td { color: var(--corp-text); border-color: rgba(255,255,255,0.06); }
.rates-table-dark tr:nth-child(even) td { background: rgba(255,255,255,0.03); }

/* RESPONSIVE */
@media (max-width: 900px) {
  .prod-hero-grid { grid-template-columns: 1fr; }
  .prod-two-col { grid-template-columns: 1fr; gap: 2rem; }
  .prod-types-grid { grid-template-columns: 1fr; }
  .elig-grid-3 { grid-template-columns: 1fr; }
  .prod-highlights { grid-template-columns: repeat(2,1fr); }
}