/* ==========================================================
   कर्जमुक्ति — स्टाइलशीट
   हिंदी पढ़ने वालों के लिए: बड़ा अक्षर, खुली पंक्तियाँ, छोटी लाइन-लंबाई
   ========================================================== */
:root{
  --navy:#0F2C4B; --navy-2:#173E66; --navy-ink:#0A1F36;
  --orange:#E8610A; --orange-dk:#BF4E05; --orange-tint:#FFF0E5;
  --paper:#F2F5F7; --surface:#FFFFFF; --ink:#16212E; --muted:#4D5B6B;
  --line:#D8DFE6; --navy-tint:#E9EFF5; --wa:#138A47; --wa-dk:#0E6E38;
  --ff-body:"Mukta","Noto Sans Devanagari",system-ui,sans-serif;
  --ff-head:"Tiro Devanagari Hindi","Noto Serif Devanagari",Georgia,serif;
  --r:10px; --wrap:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--ff-body);font-size:19px;line-height:1.8;padding-bottom:0}
img{max-width:100%;height:auto}
a{color:var(--navy-2)}
a:hover{color:var(--orange-dk)}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:8px;top:8px}

/* ---------- बटन ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 17px/1.2 var(--ff-body);padding:11px 20px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;white-space:nowrap}
.btn--lg{font-size:19px;padding:14px 26px}
.btn--call{background:var(--orange);color:#fff}
.btn--call:hover{background:var(--orange-dk);color:#fff}
.btn--wa{background:var(--wa);color:#fff}
.btn--wa:hover{background:var(--wa-dk);color:#fff}
.btn--ghost{background:transparent;border-color:var(--line);color:var(--ink)}

/* ---------- ऊपरी पट्टी ---------- */
.topline{background:var(--navy-ink);color:#C9D6E3;font-size:15px}
.topline__in{display:flex;justify-content:space-between;gap:16px;padding-top:6px;padding-bottom:6px}
.topline a{color:#fff;font-weight:600;text-decoration:none}
@media (max-width:720px){.topline__in span{display:none}.topline__in{justify-content:center}}

/* ---------- हेडर ---------- */
.site-head{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-head__in{display:flex;align-items:center;gap:24px;min-height:74px}
.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1.1;flex-shrink:0}
.brand__name{font-family:var(--ff-head);font-size:34px;color:var(--navy);letter-spacing:.2px}
.brand__name::after{content:"";display:block;width:100%;height:4px;background:var(--orange);border-radius:2px;margin-top:2px}
.brand__by{font-size:13px;color:var(--muted);margin-top:6px}
.nav{display:flex;align-items:center;gap:18px;margin-left:auto}
.nav__list{display:flex;list-style:none;margin:0;padding:0;gap:2px}
.nav__link{display:flex;align-items:center;gap:6px;font:500 17px/1 var(--ff-body);color:var(--ink);text-decoration:none;padding:12px 11px;border:0;background:none;cursor:pointer;border-radius:8px}
.nav__link:hover,.is-on>.nav__link,.nav__link.is-on{color:var(--orange-dk)}
.nav__link i{width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px)}
.nav__drop{position:relative}
.nav__menu{display:none;position:absolute;top:100%;left:0;min-width:290px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 18px 40px -20px rgba(15,44,75,.35);list-style:none;margin:0;padding:8px}
.nav__drop--grid .nav__menu{display:none;grid-template-columns:1fr 1fr;min-width:340px}
.nav__drop:hover .nav__menu,.nav__drop.is-open .nav__menu{display:block}
.nav__drop--grid:hover .nav__menu,.nav__drop--grid.is-open .nav__menu{display:grid}
.nav__menu a{display:block;padding:8px 12px;border-radius:6px;color:var(--ink);text-decoration:none;font-size:16.5px;line-height:1.4}
.nav__menu a:hover,.nav__menu a[aria-current]{background:var(--navy-tint);color:var(--navy)}
.nav__drop:last-child .nav__menu{left:auto;right:0}
.nav__cta{display:flex;gap:8px}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;align-items:center;gap:4px;flex-direction:column;cursor:pointer}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy)}
.nav-toggle b{font:600 12px/1 var(--ff-body);color:var(--navy);margin-top:2px}

@media (max-width:1100px){
  .nav__cta .btn--wa{display:none}
}
@media (max-width:980px){
  .nav-toggle{display:flex}
  .nav{display:none;position:fixed;inset:0 0 0 auto;width:min(360px,92vw);top:0;background:var(--surface);flex-direction:column;align-items:stretch;padding:84px 16px 24px;overflow-y:auto;box-shadow:-20px 0 40px rgba(0,0,0,.2);z-index:60}
  .nav.is-open{display:flex}
  .nav__list{flex-direction:column}
  .nav__link{width:100%;justify-content:space-between;font-size:19px;padding:14px 8px;border-bottom:1px solid var(--line);border-radius:0}
  .nav__menu,.nav__drop--grid .nav__menu{position:static;box-shadow:none;border:0;padding:4px 0 10px 8px;min-width:0}
  .nav__drop:hover .nav__menu{display:none}
  .nav__drop--grid:hover .nav__menu{display:none}
  .nav__drop.is-open .nav__menu{display:block}
  .nav__drop--grid.is-open .nav__menu{display:grid}
  .nav__cta{flex-direction:column;margin-top:16px}
  .nav__cta .btn--wa{display:inline-flex}
  .nav-toggle{position:relative;z-index:70}
}
body.nav-lock{overflow:hidden}
body.nav-lock::before{content:"";position:fixed;inset:0;background:rgba(10,31,54,.55);z-index:55}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.nav-toggle span{transition:transform .2s,opacity .2s}

/* ---------- पेज हीरो ---------- */
.page-hero{background:var(--navy);color:#fff;padding:34px 0 40px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-60px;bottom:-60px;width:260px;height:260px;border:34px solid rgba(232,97,10,.18);border-radius:50%}
@media (max-width:720px){.page-hero::after{display:none}}
.crumbs{font-size:15px;color:#B8C7D6;display:flex;flex-wrap:wrap;gap:8px;margin-bottom:14px}
.crumbs a{color:#DCE6F0}
.page-hero h1{font-family:var(--ff-head);font-weight:400;font-size:clamp(34px,5vw,54px);line-height:1.3;margin:0 0 14px;max-width:22ch}
.page-hero__lead{font-size:21px;line-height:1.75;color:#E3EBF3;max-width:62ch;margin:0 0 22px;padding-left:16px;border-left:4px solid var(--orange)}
.page-hero__act{display:flex;flex-wrap:wrap;gap:12px;position:relative;z-index:1}
.page-hero__meta{font-size:15px;color:#A9BACB;margin:18px 0 0}
.page-hero__meta span{margin:0 8px}

/* ---------- पेज बॉडी ---------- */
.page-body{display:grid;grid-template-columns:270px minmax(0,1fr);gap:48px;padding-top:40px;padding-bottom:56px}
.side__sticky{position:sticky;top:96px}
.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px}
.toc summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:17px}
.toc ol{margin:10px 0 0;padding-left:20px;font-size:15.5px;line-height:1.5}
.toc li{margin:7px 0}
.toc a{color:var(--muted);text-decoration:none}
.toc a:hover,.toc a.is-here{color:var(--orange-dk)}
.side__call{margin-top:16px;background:var(--orange-tint);border-radius:var(--r);padding:18px;font-size:16px;line-height:1.6}
.side__call-h{font-weight:700;color:var(--navy);font-size:18px;margin:0 0 6px}
.side__call p{margin:0 0 12px}
.side__call .btn{width:100%}
.side__tel{display:block;text-align:center;margin-top:10px;font-weight:700;color:var(--navy);text-decoration:none}
@media (max-width:980px){
  .page-body{grid-template-columns:1fr;gap:20px;padding-top:24px}
  .side__sticky{position:static}
  .side__call{display:none}
}

/* ---------- लेख ---------- */
.prose{background:var(--surface);border-radius:14px;padding:44px 52px;border:1px solid var(--line);min-width:0}
.prose>*{max-width:70ch}
.prose p{margin:0 0 1.15em}
.prose h2{font-family:var(--ff-head);font-weight:400;color:var(--navy);font-size:clamp(27px,3.2vw,34px);line-height:1.4;margin:2em 0 .6em;scroll-margin-top:100px}
.prose h2::before{content:"";display:block;width:44px;height:4px;background:var(--orange);border-radius:2px;margin-bottom:14px}
.prose>h2:first-child{margin-top:0}
.prose h3{font-size:22px;font-weight:700;color:var(--ink);line-height:1.5;margin:1.6em 0 .4em}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin:.35em 0}
.prose strong,.prose b{color:var(--navy-ink)}
@media (max-width:720px){.prose{padding:26px 18px;border-radius:0;border-left:0;border-right:0;margin:0 -20px}body{font-size:18px}}

/* मुख्य बातें */
.key{background:var(--navy-tint);border-radius:var(--r);padding:20px 24px;margin:0 0 1.6em}
.key__h{font-weight:700;color:var(--navy);margin:0 0 6px!important;font-size:18px}
.key ul{margin:0;padding-left:1.2em}

/* ध्यान दें */
.note{border-left:5px solid var(--orange);background:var(--orange-tint);padding:16px 20px;border-radius:0 var(--r) var(--r) 0;margin:1.4em 0}
.note p:last-child{margin:0}

/* उदाहरण */
.case{border:2px dashed #B9C6D3;border-radius:var(--r);padding:18px 22px;margin:1.4em 0;background:#FAFCFD}
.case__h{font-weight:700;color:var(--navy);margin:0 0 6px!important}
.case p:last-child{margin:0}

/* क्रमवार कदम — असली क्रम के लिए ही */
.steps{list-style:none;padding:0!important;counter-reset:s}
.steps>li{counter-increment:s;position:relative;padding:2px 0 14px 58px;margin:0!important;border-left:2px solid var(--line);margin-left:20px!important}
.steps>li:last-child{border-left-color:transparent}
.steps>li::before{content:counter(s);position:absolute;left:-21px;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font:700 18px/40px var(--ff-body);text-align:center}
.steps>li>b:first-child{display:block;font-size:20px;color:var(--navy-ink)}

/* करें / न करें */
.dodont{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:1.4em 0;max-width:none!important}
.dodont>div{border-radius:var(--r);padding:18px 20px}
.dodont .do{background:#EAF6EF;border-top:4px solid var(--wa)}
.dodont .dont{background:#FDECEC;border-top:4px solid #C0392B}
.dodont p{font-weight:700;margin:0 0 6px!important}
.dodont ul{margin:0;padding-left:1.2em;font-size:17.5px}
@media (max-width:720px){.dodont{grid-template-columns:1fr}}

/* टेबल */
.tbl-wrap{overflow-x:auto;margin:1.4em 0;max-width:none!important}
.tbl{border-collapse:collapse;width:100%;font-size:17px;line-height:1.55;min-width:520px}
.tbl th,.tbl td{border:1px solid var(--line);padding:10px 14px;text-align:left;vertical-align:top}
.tbl th{background:var(--navy);color:#fff;font-weight:600}
.tbl tr:nth-child(even) td{background:#F7F9FB}

/* लेख के बीच का कॉल बैंड */
.band{background:var(--navy);color:#fff;border-radius:var(--r);padding:22px 26px;margin:2em 0;display:flex;flex-wrap:wrap;align-items:center;gap:16px;justify-content:space-between;max-width:none!important}
.band p{margin:0!important;font-size:19px;max-width:44ch}
.band b{color:#fff}
.band__btns{display:flex;gap:10px;flex-wrap:wrap}

/* सवाल-जवाब */
.faq{margin-top:2.4em}
.faq__item{border:1px solid var(--line);border-radius:var(--r);margin:0 0 10px;background:#fff}
.faq__item summary{cursor:pointer;font-weight:600;font-size:19px;padding:14px 48px 14px 18px;position:relative;list-style:none;color:var(--navy-ink);line-height:1.55}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:26px;color:var(--orange);font-weight:400}
.faq__item[open] summary::after{content:"−"}
.faq__item[open] summary{border-bottom:1px solid var(--line)}
.faq__a{padding:14px 18px 4px}
.endnote{margin-top:2em;font-size:16px;color:var(--muted);border-top:1px solid var(--line);padding-top:16px}

/* संबंधित */
.related{padding:0 0 56px}
.related__h{font-family:var(--ff-head);font-weight:400;color:var(--navy);font-size:26px;margin:0 0 14px}
.related__list{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}
.related__list a{display:block;background:var(--surface);border:1px solid var(--line);padding:9px 16px;border-radius:999px;text-decoration:none;color:var(--ink);font-size:16.5px}
.related__list a:hover{border-color:var(--orange);color:var(--orange-dk)}

/* ---------- होम ---------- */
.home-hero{background:var(--navy);color:#fff;padding:56px 0 64px;position:relative;overflow:hidden}
.home-hero__grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.home-hero h1{font-family:var(--ff-head);font-weight:400;font-size:clamp(38px,5.6vw,64px);line-height:1.25;margin:0 0 18px}
.home-hero__lead{font-size:21px;color:#E3EBF3;max-width:52ch;margin:0 0 26px}
.home-hero__act{display:flex;flex-wrap:wrap;gap:12px}
.picker{background:#fff;color:var(--ink);border-radius:16px;padding:24px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5)}
.picker__h{font-family:var(--ff-head);font-size:26px;color:var(--navy);margin:0 0 4px}
.picker__sub{font-size:16px;color:var(--muted);margin:0 0 14px}
.picker ul{list-style:none;margin:0;padding:0}
.picker li a{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:13px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-size:18px;line-height:1.4}
.picker li:last-child a{border-bottom:0}
.picker li a::after{content:"";flex-shrink:0;width:9px;height:9px;border-top:2px solid var(--orange);border-right:2px solid var(--orange);transform:rotate(45deg)}
.picker li a:hover{color:var(--orange-dk)}
@media (max-width:900px){.home-hero__grid{grid-template-columns:1fr}.home-hero{padding:36px 0 40px}}

.home-sec{padding:64px 0}
.home-sec--white{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.home-sec__h{font-family:var(--ff-head);font-weight:400;color:var(--navy);font-size:clamp(30px,4vw,42px);line-height:1.35;margin:0 0 10px;max-width:24ch}
.home-sec__intro{color:var(--muted);max-width:64ch;margin:0 0 30px}
.home-prose{max-width:72ch}
.home-prose h3{font-size:22px;color:var(--navy-ink);margin:1.4em 0 .3em}
.home-prose p{margin:0 0 1.1em}

.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.tiles a{display:block;padding:20px 22px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);background:var(--surface)}
.tiles a:hover{background:var(--orange-tint)}
.tiles b{display:block;color:var(--navy);font-size:19px;margin-bottom:4px}
.tiles span{font-size:16px;color:var(--muted);line-height:1.55;display:block}

.journey{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:0;counter-reset:j}
.journey li{counter-increment:j;padding:0 18px 0 0;position:relative}
.journey li::before{content:counter(j);display:flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:50%;background:var(--orange);color:#fff;font-weight:700;font-size:20px;margin-bottom:12px;position:relative;z-index:1}
.journey li::after{content:"";position:absolute;top:23px;left:46px;right:0;height:2px;background:var(--line)}
.journey li:last-child::after{display:none}
.journey b{display:block;color:var(--navy);font-size:19px}
.journey span{font-size:16.5px;color:var(--muted);line-height:1.6;display:block}
@media (max-width:900px){.journey{grid-template-columns:1fr;gap:18px}.journey li{padding-left:62px}.journey li::before{position:absolute;left:0;top:0}.journey li::after{display:none}}

.cities{display:flex;flex-wrap:wrap;gap:10px}
.cities a{padding:10px 18px;border:1px solid var(--line);border-radius:999px;background:#fff;text-decoration:none;color:var(--ink)}
.cities a:hover{border-color:var(--orange);color:var(--orange-dk)}

/* ---------- फुटर ---------- */
.site-foot{background:var(--navy-ink);color:#C3D0DD;font-size:16px;line-height:1.7;padding:0 0 30px}
.site-foot a{color:#E4ECF4;text-decoration:none}
.site-foot a:hover{color:#FFB27E}
.site-foot__call{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;padding:40px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.site-foot__big{font-family:var(--ff-head);font-size:32px;color:#fff;margin:0 0 6px}
.site-foot__call p{margin:0;max-width:56ch}
.site-foot__btns{display:flex;flex-wrap:wrap;gap:12px}
.site-foot__cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px;padding:36px 0}
.site-foot__cols ul{list-style:none;padding:0;margin:0}
.site-foot__cols li{margin:4px 0}
.site-foot__h{color:#fff;font-weight:700;font-size:17px;margin:0 0 10px}
.brand__name--foot{color:#fff;margin:0 0 10px}
.brand__name--foot::after{width:80px}
.site-foot__addr{margin:12px 0 0}
.site-foot__cities{border-top:1px solid rgba(255,255,255,.12);padding:22px 0}
.site-foot__cities p:last-child{display:flex;flex-wrap:wrap;gap:6px 16px;margin:0}
.site-foot__legal{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:14.5px;color:#9FB0C2}
.site-foot__links{display:flex;flex-wrap:wrap;gap:18px}
@media (max-width:900px){.site-foot__cols{grid-template-columns:1fr 1fr}.site-foot__about{grid-column:1/-1}}
@media (max-width:560px){.site-foot__cols{grid-template-columns:1fr}}

/* ---------- मोबाइल डॉक + व्हाट्सऐप ---------- */
.dock{display:none}
@media (max-width:980px){
  body{padding-bottom:64px}
  .dock{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:40;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
  .dock a{display:flex;align-items:center;justify-content:center;min-height:60px;color:#fff;font-weight:700;font-size:19px;text-decoration:none}
  .dock__call{background:var(--orange)}
  .dock__wa{background:var(--wa)}
  .wa-float{display:none!important}
}
.wa-float{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--wa);color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(19,138,71,.4);z-index:40}
.wa-float:hover{background:var(--wa-dk);color:#fff}

/* ---------- अस्वीकरण पॉपअप ---------- */
.consent{position:fixed;inset:0;background:rgba(10,31,54,.72);z-index:100;display:flex;align-items:center;justify-content:center;padding:16px}
.consent[hidden]{display:none}
.consent__box{background:#fff;border-radius:14px;max-width:560px;width:100%;padding:28px;max-height:90vh;overflow:auto;font-size:17px;line-height:1.7}
.consent__h{font-family:var(--ff-head);font-size:28px;color:var(--navy);margin:0 0 8px}
.consent__box ul{padding-left:1.2em}
.consent__btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}