:root {
  --nirdhan-navy: #12365F;
  --nirdhan-navy-dark: #0C2440;
  --nirdhan-navy-mid: #1C4D85;
  --nirdhan-navy-light: #EEF2F7;
  --nirdhan-navy-tint: #F5F7FA;
  --nirdhan-gold: #D4A017;
  --nirdhan-gold-dark: #B3860F;
  --nirdhan-gold-light: #FDF8EE;
  --nirdhan-green: #2E7D4F;
  --nirdhan-green-dark: #1F5A38;
  --nirdhan-green-light: #EAF5EE;
  --nirdhan-maroon: #C0392B;
  --nirdhan-maroon-light: #FBEAE8;
  --nirdhan-text: #1C2733;
  --nirdhan-muted: #5A6B7F;
}

html { font-size: 15px; }
@media (min-width: 768px) { html { font-size: 16px; } }

html, body { position: relative; min-height: 100%; }
body {
  margin-bottom: 0;
  font-family: "Libre Franklin", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--nirdhan-text);
  background-color: #fff;
}

a { color: var(--nirdhan-navy-mid); }
a:hover { color: var(--nirdhan-navy); }

/* ---------- Top utility bar ---------- */
.topbar {
  background: var(--nirdhan-navy-dark);
  color: #fff;
  font-size: 0.82rem;
}
.topbar a { color: #dce6f2; text-decoration: none; }
.topbar a:hover { color: var(--nirdhan-gold); }
.topbar .divider { opacity: 0.3; margin: 0 .5rem; }
.topbar .lang-link { font-weight: 400; }
.topbar .lang-link.active { font-weight: 700; color: var(--nirdhan-gold); }
.badge-license {
  background: var(--nirdhan-gold);
  color: #241a06;
  font-weight: 700;
  font-size: 0.72rem;
  padding: .3rem .75rem;
  text-transform: uppercase;
  letter-spacing: .03em;
}

/* ---------- Main navbar ---------- */
.navbar-nirdhan {
  background: #fff;
  box-shadow: 0 2px 10px rgba(18, 54, 95, .08);
}
.brand-emblem { width: 42px; height: auto; flex: none; }
.navbar-nirdhan .navbar-brand {
  font-weight: 800;
  color: var(--nirdhan-navy);
  font-size: 1.05rem;
  line-height: 1.15;
  display: flex;
  align-items: center;
  gap: .6rem;
}
.navbar-nirdhan .navbar-brand small {
  display: block;
  font-weight: 400;
  font-size: 0.62rem;
  color: var(--nirdhan-muted);
}
.navbar-nirdhan .navbar-nav {
  gap: .15rem;
}
.navbar-nirdhan .nav-link {
  color: var(--nirdhan-text) !important;
  font-weight: 600;
  font-size: 0.9rem;
  padding: .6rem .7rem !important;
  white-space: nowrap;
}
@media (min-width: 1200px) {
  .navbar-nirdhan .nav-link { padding: .6rem .85rem !important; }
}
.navbar-nirdhan .nav-link.active,
.navbar-nirdhan .nav-link:hover {
  color: var(--nirdhan-navy) !important;
}
.navbar-nirdhan li.nav-item:has(> .btn) {
  margin-left: .5rem;
}
.btn-nirdhan-gold {
  background: var(--nirdhan-gold);
  border-color: var(--nirdhan-gold-dark);
  color: #241a06;
  font-weight: 700;
}
.btn-nirdhan-gold:hover {
  background: var(--nirdhan-gold-dark);
  border-color: var(--nirdhan-gold-dark);
  color: #241a06;
}
.btn-nirdhan-green {
  background: var(--nirdhan-green);
  border-color: var(--nirdhan-green);
  color: #fff;
  font-weight: 600;
}
.btn-nirdhan-green:hover {
  background: var(--nirdhan-green-dark);
  border-color: var(--nirdhan-green-dark);
  color: #fff;
}
.btn-nirdhan-navy {
  background: var(--nirdhan-navy);
  border-color: var(--nirdhan-navy);
  color: #fff;
  font-weight: 600;
}
.btn-nirdhan-navy:hover {
  background: var(--nirdhan-navy-dark);
  border-color: var(--nirdhan-navy-dark);
  color: #fff;
}
.btn-outline-nirdhan {
  border-color: #fff;
  color: #fff;
  font-weight: 600;
}
.btn-outline-nirdhan:hover {
  background: #fff;
  color: var(--nirdhan-navy);
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(120deg, var(--nirdhan-navy-dark) 0%, var(--nirdhan-navy) 70%);
  color: #fff;
  padding: 4rem 0 5.5rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -80px; top: -80px;
  width: 340px; height: 340px;
  border-radius: 50%;
  background: rgba(212, 160, 23, 0.16);
}
.hero .eyebrow {
  color: var(--nirdhan-gold);
  font-weight: 700;
  letter-spacing: .08em;
  font-size: .8rem;
  text-transform: uppercase;
}
.hero h1 { font-weight: 800; font-size: 2.3rem; }
.hero p.lead { color: #d7e2f0; font-size: 1.05rem; max-width: 620px; }

/* ---------- Current rates widget ---------- */
.rates-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: .9rem;
  padding: 1.25rem 1.5rem;
}
.rates-card .rates-title {
  color: var(--nirdhan-gold);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: .75rem;
}
.rates-card .rate-row { display: flex; justify-content: space-between; align-items: baseline; padding: .35rem 0; }
.rates-card .rate-label { color: #d7e2f0; font-size: .88rem; }
.rates-card .rate-value { color: #fff; font-weight: 800; font-size: 1.15rem; }
.rates-card a { color: #a9c3e6; font-size: .82rem; }

/* ---------- Stat strip ---------- */
.stat-strip {
  background: #fff;
  margin-top: -3.25rem;
  position: relative;
  z-index: 2;
  border-radius: .75rem;
  box-shadow: 0 10px 30px rgba(12, 36, 64, 0.16);
}
.stat-item { text-align: center; padding: 1.25rem 0.5rem; }
.stat-item .stat-value { font-size: 1.5rem; font-weight: 800; color: var(--nirdhan-navy); }
.stat-item .stat-label { font-size: 0.78rem; color: var(--nirdhan-muted); text-transform: uppercase; letter-spacing: .03em; }

/* ---------- Section headings ---------- */
.section-heading { text-align: center; margin-bottom: 2.5rem; }
.section-heading h2 { font-weight: 800; color: var(--nirdhan-navy-dark); }
.section-heading .accent-bar {
  width: 60px; height: 4px; background: var(--nirdhan-gold);
  margin: .6rem auto 0; border-radius: 2px;
}

/* ---------- Product cards ---------- */
.product-card {
  border: 1px solid #e6ecf5;
  border-radius: .9rem;
  padding: 1.75rem 1.5rem;
  height: 100%;
  transition: transform .15s ease, box-shadow .15s ease;
  background: #fff;
}
.product-card:hover { transform: translateY(-4px); box-shadow: 0 12px 24px rgba(12,36,64,.12); }
.product-card .icon-wrap {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--nirdhan-navy-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; color: var(--nirdhan-navy);
  margin-bottom: 1rem;
}
.product-card h5 { font-weight: 700; color: var(--nirdhan-text); }
.product-card .learn-more { font-weight: 700; font-size: .9rem; }

/* ---------- Notices ---------- */
.notice-item {
  border-left: 4px solid var(--nirdhan-gold);
  background: var(--nirdhan-navy-tint);
  padding: 1rem 1.25rem;
  border-radius: 0 .5rem .5rem 0;
  margin-bottom: 1rem;
}
.notice-item .notice-date { font-size: .8rem; color: var(--nirdhan-muted); }
.notice-item h6 { font-weight: 700; color: var(--nirdhan-navy-dark); margin-bottom: .25rem; }
.notice-item.notice-nepali { background: var(--nirdhan-gold-light); border-left-color: var(--nirdhan-navy); }

.notice-link { display: block; color: inherit; text-decoration: none; transition: transform .12s ease; }
.notice-link:hover { color: inherit; transform: translateX(2px); }
.notice-link:hover .notice-item { box-shadow: 0 4px 14px rgba(12,36,64,.12); }
.notice-link:hover h6 { color: var(--nirdhan-navy); text-decoration: underline; }

/* ---------- Services / channel icons ---------- */
.channel-card { text-align: center; padding: 1.5rem 1rem; }
.channel-card .icon-wrap {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--nirdhan-green);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 1.9rem; margin: 0 auto 1rem;
}

/* ---------- At-a-glance / info card ---------- */
.glance-card {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: #ffffff;
  border: 1px solid #e6ecf5;
  border-radius: 0.75rem;
  padding: 1rem 1.25rem;
  transition: all 0.2s ease;
  box-shadow: 0 4px 12px rgba(12, 36, 64, 0.02);
  height: 100%;
}
.glance-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(12, 36, 64, 0.07);
  border-color: rgba(212, 160, 23, 0.35);
}
.glance-card .icon-wrap {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--nirdhan-navy-light);
  color: var(--nirdhan-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
  border: 1px solid rgba(18, 54, 95, 0.08);
}
.glance-card .glance-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--nirdhan-muted);
  margin-bottom: 0.1rem;
}
.glance-card .glance-value {
  font-weight: 700;
  color: var(--nirdhan-navy-dark);
  font-size: 0.98rem;
  line-height: 1.25;
}

/* ---------- People cards (board / management) ---------- */
.people-card {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  background: #ffffff;
  border: 1px solid #e6ecf5;
  border-radius: 0.75rem;
  padding: 1.25rem;
  transition: all 0.2s ease;
  box-shadow: 0 4px 12px rgba(12, 36, 64, 0.03);
  height: 100%;
}
.people-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(12, 36, 64, 0.08);
  border-color: rgba(212, 160, 23, 0.4);
}
.people-card .avatar {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--nirdhan-navy-light);
  color: var(--nirdhan-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  font-weight: 700;
  margin: 0;
  border: 2.5px solid var(--nirdhan-gold);
  flex-shrink: 0;
  object-fit: cover;
}
.people-card h6 {
  font-weight: 700;
  color: var(--nirdhan-navy-dark);
  margin-bottom: 0.25rem;
  font-size: 1rem;
}
.people-card .role {
  color: var(--nirdhan-muted);
  font-size: 0.85rem;
  line-height: 1.35;
}

/* ---------- Regional office / branch cards ---------- */
.branch-card {
  border: 1px solid #e6ecf5;
  border-radius: .75rem;
  padding: 1.25rem 1.4rem;
  height: 100%;
  background: #fff;
  border-top: 3px solid var(--nirdhan-navy);
}
.branch-card.head-office { border-top-color: var(--nirdhan-gold); background: var(--nirdhan-gold-light); }
.mgr-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0; object-fit: cover;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--nirdhan-navy-light); color: var(--nirdhan-navy); font-weight: 700;
  border: 2px solid var(--nirdhan-gold);
}
.mgr-avatar.sm { width: 34px; height: 34px; font-size: .85rem; }
.mgr-role { font-size: .72rem; color: #6b7a90; text-transform: uppercase; letter-spacing: .03em; }
.branch-card h6 { font-weight: 700; color: var(--nirdhan-navy-dark); }
.branch-count-badge {
  display: inline-block; background: var(--nirdhan-navy-light); color: var(--nirdhan-navy);
  font-size: .72rem; font-weight: 700; padding: .2rem .55rem; border-radius: 1rem; margin-left: .4rem;
}

/* ---------- Ownership / rate tables ---------- */
.table-nirdhan thead { background: var(--nirdhan-navy); color: #fff; }
.table-nirdhan th { font-weight: 600; font-size: .85rem; }
.table-nirdhan td, .table-nirdhan th { vertical-align: middle; }

/* ---------- Job openings ---------- */
.job-card {
  border: 1px solid #e6ecf5;
  border-left: 4px solid var(--nirdhan-green);
  border-radius: .6rem;
  padding: 1.25rem 1.4rem;
  background: #fff;
}
.job-card h6 { font-weight: 700; color: var(--nirdhan-navy-dark); }
.job-card .meta { color: var(--nirdhan-muted); font-size: .85rem; }

/* ---------- Success stories ---------- */
.story-card {
  background: var(--nirdhan-navy-tint);
  border-radius: .8rem;
  padding: 1.5rem;
  height: 100%;
}
.story-card .quote { font-style: italic; color: var(--nirdhan-navy-dark); font-weight: 600; }
.story-card .attribution { color: var(--nirdhan-muted); font-size: .85rem; margin-top: .75rem; }

/* ---------- Nav pills (media center tabs, product tabs) ---------- */
.nirdhan-tabs .nav-link {
  color: var(--nirdhan-navy);
  font-weight: 600;
  border-radius: 2rem;
  padding: .4rem 1.1rem;
}
.nirdhan-tabs .nav-link.active {
  background: var(--nirdhan-navy);
  color: #fff;
}

/* ---------- Footer ---------- */
.footer-nirdhan {
  background: var(--nirdhan-navy-dark);
  color: #c7d4e5;
  padding: 3rem 0 1rem;
}
.footer-nirdhan h6 { color: #fff; font-weight: 700; margin-bottom: 1rem; }
.footer-nirdhan a { color: #c7d4e5; text-decoration: none; }
.footer-nirdhan a:hover { color: var(--nirdhan-gold); }
.footer-nirdhan .socials a {
  display: inline-flex; width: 36px; height: 36px; border-radius: 50%;
  background: rgba(255,255,255,.08); align-items: center; justify-content: center;
  margin-right: .5rem;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  margin-top: 2rem; padding-top: 1rem; font-size: .85rem; color: #93a6c2;
}

/* ---------- Generic page banner ---------- */
.page-banner {
  background: var(--nirdhan-navy);
  color: #fff;
  padding: 2.5rem 0;
}
.page-banner h1 { font-weight: 800; }
.page-banner .breadcrumb-line { color: #a9c3e6; font-size: .85rem; }

.form-floating > .form-control-plaintext::placeholder, .form-floating > .form-control::placeholder {
  color: var(--bs-secondary-color);
  text-align: end;
}
.form-floating > .form-control-plaintext:focus::placeholder, .form-floating > .form-control:focus::placeholder {
  text-align: start;
}

/* ---------- Loan terms table design ---------- */
.table-loans {
  border-collapse: separate;
  border-spacing: 0;
  width: 100%;
  border: 1px solid #e6ecf5;
  border-radius: 0.5rem;
  overflow: hidden;
  box-shadow: 0 4px 12px rgba(12, 36, 64, 0.02);
  margin-top: 1rem;
}
.table-loans thead {
  background-color: var(--nirdhan-navy);
  color: #ffffff;
}
.table-loans th {
  font-weight: 600;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  padding: 0.85rem 1rem !important;
  border: none;
}
.table-loans td {
  padding: 0.85rem 1rem !important;
  font-size: 0.88rem;
  color: var(--nirdhan-text);
  border-top: 1px solid #f0f4f8;
  vertical-align: middle;
}
.table-loans tbody tr:hover {
  background-color: #f8fafc;
}

/* ---------- Homepage slider ---------- */
.home-slider { background: var(--nirdhan-navy-dark, #0b2545); }
.home-slider .carousel-item img {
  width: 100%; height: clamp(180px, 38vw, 480px); object-fit: cover;
}
.home-slider-caption {
  left: 0; right: 0; bottom: 0; padding: 2.5rem 1rem 2.2rem;
  background: linear-gradient(to top, rgba(11, 37, 69, .85), rgba(11, 37, 69, 0));
}
.home-slider-caption h2 { font-weight: 800; font-size: clamp(1.2rem, 3vw, 2.2rem); }
.home-slider .carousel-indicators [data-bs-target] { width: 10px; height: 10px; border-radius: 50%; }
.home-slider .carousel-indicators .active { background-color: var(--nirdhan-gold); }

/* ---------- Product showcase rows ---------- */
.showcase-row {
  position: relative; display: flex; align-items: stretch; gap: .75rem;
  margin-bottom: 1.75rem;
}
.showcase-label {
  flex: 0 0 38px; display: flex; align-items: center; justify-content: center;
  background: var(--nirdhan-navy-tint, #eef3fb); border-right: 4px solid var(--nirdhan-gold);
  border-radius: .5rem;
}
.showcase-label span {
  writing-mode: vertical-rl; transform: rotate(180deg);
  font-weight: 800; letter-spacing: .04em; color: var(--nirdhan-navy-dark, #0b2545);
}
.showcase-track {
  flex: 1; display: flex; gap: .9rem; overflow-x: auto; scroll-snap-type: x mandatory;
  scroll-behavior: smooth; padding: .35rem .15rem .6rem; scrollbar-width: thin;
}
.showcase-card {
  position: relative; flex: 0 0 clamp(150px, 22vw, 230px); aspect-ratio: 1;
  border-radius: .75rem; overflow: hidden; scroll-snap-align: start;
  box-shadow: 0 2px 10px rgba(16, 42, 84, .15); transition: transform .2s ease, box-shadow .2s ease;
  text-decoration: none;
}
.showcase-card:hover { transform: translateY(-4px); box-shadow: 0 10px 24px rgba(16, 42, 84, .28); }
.showcase-card img { width: 100%; height: 100%; object-fit: cover; display: block; }
.showcase-caption {
  position: absolute; left: 0; right: 0; bottom: 0; padding: 1.4rem .7rem .55rem;
  color: #fff; font-weight: 700; font-size: .85rem;
  background: linear-gradient(to top, rgba(11, 37, 69, .9), rgba(11, 37, 69, 0));
}
.showcase-arrow {
  position: absolute; top: 50%; transform: translateY(-50%); z-index: 2;
  width: 36px; height: 36px; border-radius: 50%; border: 0; cursor: pointer;
  background: #fff; color: var(--nirdhan-navy); box-shadow: 0 2px 8px rgba(0,0,0,.25);
}
.showcase-arrow.prev { left: 48px; }
.showcase-arrow.next { right: -6px; }
.showcase-arrow:hover { background: var(--nirdhan-gold); }
@media (max-width: 575px) { .showcase-arrow { display: none; } }

/* ---------- Product photos on detail pages ---------- */
.product-poster {
  width: 100%; max-width: 260px; aspect-ratio: 1; object-fit: cover; display: block;
  border-radius: .75rem; box-shadow: 0 4px 14px rgba(16, 42, 84, .18);
  transition: transform .2s ease;
}
a:hover > .product-poster { transform: scale(1.02); }
.product-thumb {
  width: 44px; height: 44px; object-fit: cover; border-radius: .4rem;
  margin-right: .75rem; vertical-align: middle; box-shadow: 0 1px 4px rgba(16, 42, 84, .2);
}