:root{--navy:#12306b;--navy2:#0b1f47;--saf:#f28c1b;--grn:#1e8a4c;--bg:#f5f8fc;--ink:#1c2433;--mut:#5b6678;--card:#fff;--line:#dbe3ef}

*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Hind,system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;font-size:16px}
h1,h2,h3{font-family:'Baloo 2',Hind,sans-serif;line-height:1.2}
a{color:inherit}.wrap{max-width:1100px;margin:0 auto;padding:0 18px}
header{position:sticky;top:0;z-index:20;background:var(--navy);color:#fff;padding-top:env(safe-area-inset-top)}
.bar{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{font-family:'Baloo 2';font-weight:800;font-size:1.25rem;text-decoration:none;display:flex;gap:8px;align-items:center}
.logo img{height:46px;width:auto;border-radius:6px;background:#fff;padding:2px}
nav{display:flex;gap:2px}nav a{padding:8px 11px;border-radius:8px;text-decoration:none;font-size:.93rem;font-weight:500}
nav a:hover,nav a.on{background:rgba(255,255,255,.15)}nav a.cta{background:var(--saf);color:#1a1100;font-weight:700}
#mb{display:none;background:none;border:0;color:#fff;font-size:1.7rem;padding:6px 10px;cursor:pointer}
@media(max-width:900px){#mb{display:block}nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy2);flex-direction:column;padding:10px 18px 16px;max-height:80vh;overflow:auto}nav.open{display:flex}nav a{padding:12px}.logo span{font-size:1rem}}
.slider{position:relative;background:var(--navy)}.slider img{display:none;width:100%;max-height:430px;object-fit:cover}.slider img.on{display:block}
.slider button{position:absolute;top:50%;transform:translateY(-50%);background:rgba(0,0,0,.45);color:#fff;border:0;font-size:1.6rem;width:40px;height:56px;cursor:pointer}
.slider .pv{left:0}.slider .nx{right:0}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:40px 0 60px}
.hero h1{font-size:clamp(1.8rem,5.5vw,2.8rem)}.hero p{margin:10px 0 20px;opacity:.9;max-width:620px}
.hero small{letter-spacing:.08em;opacity:.85}
.btn{display:inline-block;padding:12px 22px;border-radius:10px;background:var(--saf);color:#1a1100;font:inherit;font-weight:700;text-decoration:none;border:0;cursor:pointer}
.btn.g{background:var(--grn);color:#fff}.btn.o{background:transparent;border:2px solid #fff;color:#fff;margin-left:8px}
.ph{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:30px 0}.ph h1{font-size:clamp(1.6rem,5vw,2.3rem)}.ph p{opacity:.85}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;display:block;text-decoration:none;color:inherit}
.card h3{font-size:1.1rem;margin:4px 0}.card p{color:var(--mut);font-size:.95rem}.ic{font-size:1.8rem}
.svc{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:-36px;position:relative;z-index:2}
.svc .card{border-width:2px;box-shadow:0 6px 18px rgba(18,48,107,.12);transition:.15s}.svc .card:hover{border-color:var(--saf);transform:translateY(-2px)}
.svc small{color:var(--grn);font-weight:600}.svc .ic{font-size:2rem}
@media(max-width:900px){.svc{grid-template-columns:1fr 1fr}}@media(max-width:420px){.svc h3{font-size:1rem}.svc .card{padding:14px}}
section.s{padding:34px 0}h2.t{font-size:1.6rem;margin-bottom:6px}.sub{color:var(--mut);margin-bottom:18px}
.pg{padding:28px 0 40px}.pg p{margin-bottom:12px}.pg ul.chk{list-style:none;margin:10px 0 18px}
ul.chk li{padding:5px 0 5px 28px;position:relative}ul.chk li:before{content:"\2713";position:absolute;left:0;color:var(--grn);font-weight:700}
.note{background:#fff7e0;border-left:5px solid var(--saf);color:#3b2a00;padding:14px 16px;border-radius:8px;margin:18px 0;font-size:.95rem}
form{display:grid;gap:12px;max-width:540px}label{font-weight:600;font-size:.92rem;display:grid;gap:4px}
input,select,textarea{font:inherit;padding:11px 12px;border:1px solid var(--line);border-radius:8px;background:var(--card);color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus,a:focus-visible,button:focus-visible{outline:3px solid var(--saf);outline-offset:2px}
label.ck{display:flex;gap:8px;align-items:flex-start;font-weight:400}label.ck input{width:auto;margin-top:5px}
.hp{position:absolute;left:-9999px}
.steps{counter-reset:s;display:grid;gap:12px;margin-bottom:16px}.steps div{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 14px 14px 58px;position:relative}
.steps div:before{counter-increment:s;content:counter(s);position:absolute;left:14px;top:14px;background:var(--navy);color:#fff;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-weight:700}
.tbl{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:460px}td,th{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
details{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin-bottom:10px}summary{font-weight:600;cursor:pointer}details p{margin:8px 0 0;color:var(--mut)}
.price{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;max-width:420px;margin-bottom:20px}.price b{font-family:'Baloo 2';font-size:2.6rem;color:var(--navy)}

footer{background:var(--navy2);color:#cfd8ea;padding:30px 0 calc(24px + env(safe-area-inset-bottom));font-size:.92rem}
footer .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}footer a{display:block;padding:2px 0;text-decoration:none}
footer small{grid-column:1/-1;border-top:1px solid #2a3b62;padding-top:14px;opacity:.85}
.sticky{position:fixed;bottom:0;left:0;right:0;display:none;background:var(--saf);text-align:center;padding:12px 12px calc(12px + env(safe-area-inset-bottom));font-weight:700;color:#1a1100;text-decoration:none;z-index:15}
@media(max-width:900px){.sticky{display:block}footer{padding-bottom:calc(70px + env(safe-area-inset-bottom))}}

header.hd{background:var(--card);color:var(--ink);border-bottom:1px solid var(--line)}
.hd .top{display:flex;align-items:center;justify-content:space-between;gap:12px;height:auto;padding-top:8px;padding-bottom:8px}
.hd .logo{color:var(--navy)}.hd .logo img{height:66px;padding:0;background:none;border-radius:0}.hd .logo b{display:block;font-size:1.5rem;color:var(--navy);line-height:1.15}
.hd .logo small{display:block;color:var(--saf);font-weight:600;font-size:.85rem;font-family:Hind}

.help{display:flex;gap:8px;align-items:center;text-decoration:none;margin-left:auto}.help i{background:var(--saf);width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-style:normal}
.help span{font-size:.8rem;color:var(--mut);line-height:1.2}.help b{display:block;color:var(--ink);font-size:1rem}
#mb{color:var(--ink)}
.mnw{border-top:1px solid var(--line)}.mn{display:flex;flex-wrap:wrap}
.mn>a,.dd>a{color:var(--ink);padding:13px 14px;font-weight:600;text-decoration:none;display:block;font-size:.95rem}
.mn>a:hover,.dd>a:hover{color:var(--saf)}.mn>a.on,.dd.on>a{color:var(--saf);box-shadow:inset 0 -3px 0 var(--saf)}
.dd{position:relative}.dd .sm{display:none;position:absolute;left:0;top:100%;min-width:230px;background:var(--card);border:1px solid var(--line);border-radius:0 0 10px 10px;box-shadow:0 10px 24px rgba(0,0,0,.18);z-index:30}
.dd:hover .sm,.dd.open .sm{display:block}.sm a{display:block;padding:10px 16px;text-decoration:none;color:var(--ink);font-size:.93rem}.sm a:hover{background:var(--bg)}
@media(max-width:900px){#mb{display:block}.help span{display:none}.hd .logo img{height:50px}.hd .logo b{font-size:1.05rem}.hd .logo small{font-size:.7rem}
.mnw{display:none}.mnw.open{display:block;max-height:75vh;overflow:auto}.mn{flex-direction:column}.dd:hover .sm{display:none}.dd.open .sm{display:block}.dd .sm{position:static;box-shadow:none;border:0;padding-left:14px}}
.hero2{background:linear-gradient(90deg,#0b1f47 38%,rgba(11,31,71,.6) 70%,rgba(11,31,71,.25)),url(img/banner1.jpg) center/cover,var(--navy);color:#fff;padding:46px 0 80px}
.hero2 h1{font-size:clamp(1.9rem,6vw,3.3rem);max-width:640px}.hero2 h1 span{color:var(--saf)}.hero2 p{max-width:520px;margin:12px 0 14px;opacity:.93}
.tr{display:flex;flex-wrap:wrap;gap:6px 20px;margin-bottom:18px;font-size:.92rem}.tag2{display:inline-block;margin-top:18px;font-family:'Baloo 2';font-weight:600;border-left:4px solid var(--saf);padding-left:10px}
.strip{display:grid;grid-template-columns:repeat(5,1fr);background:var(--card);border-radius:14px;box-shadow:0 8px 24px rgba(18,48,107,.16);margin-top:-46px;position:relative;z-index:2;padding:6px}
.strip div{padding:14px;text-align:center;border-right:1px solid var(--line)}.strip div:last-child{border:0}.strip b{display:block;font-size:.95rem}.strip small{color:var(--mut)}
@media(max-width:900px){.strip{grid-template-columns:1fr 1fr}.strip div{border:0}}
.six{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}.six .card{text-align:center;padding:16px 10px;border-top:4px solid var(--c)}.six .card:hover{box-shadow:0 6px 16px rgba(0,0,0,.12)}
@media(max-width:1000px){.six{grid-template-columns:repeat(3,1fr)}}@media(max-width:560px){.six{grid-template-columns:1fr 1fr}.six h3{font-size:1rem}}
.loan{display:grid;grid-template-columns:1.5fr 1fr;gap:20px;border-radius:16px;padding:24px;background:linear-gradient(120deg,rgba(255,243,209,.93),rgba(255,217,138,.88)),url(img/banner2.jpg) center/cover;color:#2b1d00}
.loan h2{font-size:clamp(1.5rem,4vw,2rem);color:#9b1c1c}.loan .amt{font-size:1.25rem;font-weight:700;color:#c2410c;margin:6px 0}
.loan .who{background:#fff;color:#1c2433;border-radius:12px;padding:16px}.loan .who h3{color:var(--grn);margin-bottom:6px}.loan .who .btn{margin-top:6px;width:100%;text-align:center}
@media(max-width:800px){.loan{grid-template-columns:1fr}}
.mini{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.mini .card p{color:#445}@media(max-width:900px){.mini{grid-template-columns:1fr 1fr}}
.mem{background:var(--navy);color:#fff;padding:22px 0}.mem .wrap{display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}.mem h3{font-size:clamp(1.3rem,4vw,1.8rem)}.mem h3 span{color:var(--saf)}.mem small{opacity:.9}
footer b{color:#fff;display:block;margin-bottom:4px}

html{color-scheme:light}

/* ===== Arogya: photo/camera, payment, user pages ===== */
.acct{display:flex;gap:6px;align-items:center}.acct a{color:#fff;text-decoration:none;padding:8px 12px;border-radius:8px;font-weight:600;font-size:.93rem}.acct a:hover{background:rgba(255,255,255,.15)}.acct a:first-child{background:var(--saf);color:#1a1100}
.ph-box{border:1px dashed var(--line);border-radius:12px;background:var(--card);padding:12px}.ph-box.bad{border-color:#c0392b;background:#fff5f4}
.ph-lbl{font-weight:600;font-size:.92rem;margin-bottom:8px}.ph-lbl .rq{color:#c0392b}
.ph-row{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.ph-pv{width:104px;height:104px;border-radius:12px;background:#eef2f9;border:1px solid var(--line);display:grid;place-items:center;overflow:hidden;flex:none}.ph-pv img{width:100%;height:100%;object-fit:cover}.ph-ph{font-size:2.6rem;opacity:.5}
.ph-btns{display:grid;gap:8px;flex:1;min-width:190px}.ph-btns .btn{text-align:center;padding:10px 14px}.btn.o2{background:#fff;border:2px solid var(--navy);color:var(--navy)}.ph-msg{color:var(--mut)}
.cam-m{position:fixed;inset:0;background:rgba(0,0,0,.85);z-index:100;display:grid;place-items:center;padding:12px}
.cam-b{background:#111;border-radius:14px;padding:10px;width:min(96vw,520px)}.cam-b video,.cam-b canvas{width:100%;max-height:68vh;border-radius:10px;background:#000;display:block;object-fit:cover}
.cam-b video{transform:scaleX(-1)}.cam-a{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-top:10px}.cam-a .btn{padding:10px 14px}
.note.ok{background:#e9f8ef;border-left-color:var(--grn);color:#0f3b22}.note.err{background:#fdecea;border-left-color:#c0392b;color:#5a1510}
.payb{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;max-width:460px;text-align:center}.payb form{text-align:left;margin-top:12px}
.payb .amt{font-size:1.2rem}.payb .amt b{font-family:'Baloo 2';font-size:2.4rem;color:var(--navy)}.qrimg{width:100%;max-width:300px;border:1px solid var(--line);border-radius:12px;margin:10px auto;display:block;background:#fff}.mut{color:var(--mut);font-size:.92rem}
.tblw{overflow-x:auto}.tbl{border-collapse:collapse;width:100%;background:var(--card);font-size:.92rem}.tbl th,.tbl td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:middle}.tbl th{background:#eef2f9}
.bd{display:inline-block;padding:2px 9px;border-radius:99px;font-size:.8rem;font-weight:600;background:#e8edf5;color:#34415a;white-space:nowrap}
.st-new{background:#e1ecff;color:#12449a}.st-in_progress{background:#fff0d1;color:#8a5200}.st-completed{background:#dcf5e6;color:#17663a}.st-rejected{background:#fde0dd;color:#9a2418}
.pay-paid{background:#dcf5e6;color:#17663a}.pay-unpaid{background:#fde0dd;color:#9a2418}.pay-pending{background:#fff0d1;color:#8a5200}.pay-rejected{background:#fde0dd;color:#9a2418}.pay-free{background:#e8edf5;color:#34415a}

/* content side padding (mobile) */
.wrap.pg{padding-left:18px;padding-right:18px}