/* ==========================================================================
   Jain Financial Solutions — Design System
   Stripe-inspired structure (whitespace, restraint, bento grids) — palette
   drawn directly from the JFS logo (deep navy + cyan-blue), tuned for an
   ultra-premium fintech feel: glass surfaces, glow, precise typography.
   ========================================================================== */

:root {
  --ink: #0a1526;
  --ink-soft: #2c3a52;
  --muted: #5c6b82;
  --navy: #0f2148;
  --navy-2: #16305f;
  --navy-3: #1d3e78;
  --gold: #1594d1;
  --gold-dark: #0d6a9e;
  --gold-light: #6fd8f7;
  --accent-2: #38bdf8;
  --bg: #ffffff;
  --bg-soft: #f4f7fb;
  --bg-soft-2: #e9eff7;
  --border: #dde5f0;
  --border-soft: #e8edf5;
  --success: #16916b;

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;

  --shadow-sm: 0 1px 2px rgba(15, 33, 72, 0.07), 0 1px 1px rgba(15, 33, 72, 0.05);
  --shadow-md: 0 8px 24px rgba(15, 33, 72, 0.09), 0 2px 6px rgba(15, 33, 72, 0.05);
  --shadow-lg: 0 24px 56px -14px rgba(10, 22, 48, 0.32);
  --shadow-card-hover: 0 22px 44px -16px rgba(10, 22, 48, 0.28);
  --shadow-glow: 0 10px 34px -8px rgba(21, 148, 209, 0.45);
  --shadow-glow-lg: 0 20px 60px -12px rgba(21, 148, 209, 0.4);

  --glass-light: rgba(255, 255, 255, 0.68);
  --glass-border-light: rgba(255, 255, 255, 0.5);
  --glass-dark: rgba(255, 255, 255, 0.06);
  --glass-border-dark: rgba(255, 255, 255, 0.14);

  --container-max: 1240px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Base ---------- */
* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 96px;
}

body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  letter-spacing: -0.011em;
}

img {
  max-width: 100%;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
}

.container-xl {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: 24px;
}

section {
  position: relative;
}

::selection {
  background: var(--gold-light);
  color: var(--navy);
}

h1, h2, h3, h4, .display-font {
  font-family: "Inter", sans-serif;
  color: var(--navy);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.08;
}

p {
  color: var(--muted);
  line-height: 1.65;
}

.text-balance {
  text-wrap: balance;
}

/* ---------- Utility tokens ---------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: rgba(21, 148, 209, 0.1);
  border: 1px solid rgba(21, 148, 209, 0.22);
  padding: 7px 14px;
  border-radius: 100px;
}

.eyebrow.on-dark {
  color: var(--gold-light);
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.16);
}

.eyebrow .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex: none;
}

.section-head {
  max-width: 640px;
  margin-bottom: 56px;
}

.section-head.center {
  margin-inline: auto;
  text-align: center;
}

.section-head p {
  font-size: 1.08rem;
  margin-top: 14px;
}

.kicker {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 12px;
  display: block;
}

/* ---------- Buttons ---------- */
.btn {
  border-radius: 100px;
  font-weight: 600;
  padding: 13px 26px;
  font-size: 0.95rem;
  border: 1px solid transparent;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), background 0.2s var(--ease), color 0.2s var(--ease), border-color 0.2s var(--ease);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  white-space: nowrap;
}

.btn-gold {
  background: linear-gradient(135deg, var(--accent-2) 0%, var(--gold) 55%, var(--gold-dark) 100%);
  color: #fff;
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.25) inset, var(--shadow-glow);
}

.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--accent-2) 55%, var(--gold) 100%);
  transform: translateY(-2px);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.3) inset, var(--shadow-glow-lg);
  color: #fff;
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: rgba(15, 27, 61, 0.18);
}

.btn-outline-navy:hover {
  border-color: var(--navy);
  background: rgba(15, 27, 61, 0.03);
  color: var(--navy);
  transform: translateY(-1px);
}

.btn-outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.28);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.5);
  color: #fff;
  transform: translateY(-1px);
}

.btn-lg {
  padding: 15px 30px;
  font-size: 1rem;
}

.btn-sm-link {
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.92rem;
}

.btn-sm-link svg {
  transition: transform 0.2s var(--ease);
}

.btn-sm-link:hover svg {
  transform: translateX(3px);
}

/* ---------- Navbar ---------- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}

.site-nav.is-scrolled {
  border-bottom-color: var(--border-soft);
  box-shadow: 0 4px 20px -8px rgba(15, 27, 61, 0.08);
}

.site-nav .container-xl {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
}

.brand-logo-img {
  height: 40px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
}

.nav-links a {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--ink-soft);
  position: relative;
  padding-block: 4px;
}

.nav-links a:hover {
  color: var(--navy);
}

.nav-links a.active {
  color: var(--navy);
}

.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -6px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 14px;
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--navy);
}

.nav-phone .ic {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--bg-soft-2);
  display: grid;
  place-items: center;
  color: var(--gold-dark);
}

.nav-toggle {
  display: none;
  border: 1px solid var(--border);
  background: #fff;
  border-radius: 10px;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  padding-top: 96px;
  padding-bottom: 88px;
  background: var(--bg);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(2.5rem, 4.6vw, 3.85rem);
  margin: 18px 0 20px;
}

.hero h1 .accent {
  color: var(--gold-dark);
  font-style: italic;
  font-weight: 700;
}

.hero-lead {
  font-size: 1.15rem;
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.trust-row {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink-soft);
}

.trust-item .ic-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(26, 127, 90, 0.12);
  color: var(--success);
  display: grid;
  place-items: center;
  flex: none;
}

/* Hero visual: abstract mesh + floating UI cards (Stripe-style bento visual) */
.hero-visual {
  position: relative;
  height: 520px;
}

.mesh-blob {
  position: absolute;
  inset: 0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  background:
    radial-gradient(ellipse 480px 420px at 78% 18%, rgba(111, 216, 247, 0.95), rgba(21, 148, 209, 0.55) 45%, transparent 70%),
    radial-gradient(ellipse 420px 380px at 12% 92%, rgba(99, 102, 241, 0.85), rgba(49, 46, 129, 0.4) 45%, transparent 72%),
    var(--navy);
}

.mesh-grid-overlay {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.05) 1px, transparent 1px);
  background-size: 34px 34px;
}

.hero-badge-word {
  position: absolute;
  color: #fff;
  font-weight: 800;
  font-size: 1.6rem;
  letter-spacing: -0.02em;
  bottom: 40px;
  left: 40px;
  max-width: 220px;
  line-height: 1.15;
  text-shadow: 0 4px 20px rgba(0, 0, 0, 0.25);
}

.float-card {
  position: absolute;
  background: var(--glass-light);
  backdrop-filter: blur(16px) saturate(160%);
  -webkit-backdrop-filter: blur(16px) saturate(160%);
  border: 1px solid var(--glass-border-light);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 18px 20px;
  animation: floaty 6s ease-in-out infinite;
}

.float-card.card-1 {
  top: 34px;
  left: -28px;
  animation-delay: 0.2s;
}

.float-card.card-2 {
  bottom: 64px;
  right: -24px;
  animation-delay: 1.1s;
}

.float-card .fc-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  font-weight: 700;
  margin-bottom: 6px;
}

.float-card .fc-value {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--navy);
}

.float-card .fc-row {
  display: flex;
  align-items: center;
  gap: 10px;
}

.float-card .fc-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: rgba(21, 148, 209, 0.14);
  color: var(--gold-dark);
  display: grid;
  place-items: center;
  flex: none;
}

@keyframes floaty {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* ---------- Logo / proof strip ---------- */
.proof-strip {
  border-top: 1px solid var(--border-soft);
  border-bottom: 1px solid var(--border-soft);
  background: var(--bg-soft);
  padding-block: 28px;
}

.proof-strip .container-xl {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}

.proof-strip .ps-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.proof-metrics {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}

.proof-metric {
  display: flex;
  flex-direction: column;
}

.proof-metric strong {
  font-size: 1.2rem;
  color: var(--navy);
  font-weight: 800;
}

.proof-metric span {
  font-size: 0.78rem;
  color: var(--muted);
  font-weight: 600;
}

/* ---------- Bento grid: Products ---------- */
.products-section {
  padding-block: 120px;
}

.bento {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.bento-card {
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: relative;
  overflow: hidden;
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease), border-color 0.28s var(--ease);
}

.bento-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: transparent;
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  margin-bottom: 22px;
  color: #fff;
  flex: none;
}

.icon-navy { background: linear-gradient(155deg, var(--navy-3), var(--navy)); }
.icon-gold { background: linear-gradient(155deg, var(--gold-light), var(--gold)); color: var(--navy); }
.icon-terra { background: linear-gradient(155deg, #6366f1, #312e81); }

.bento-card .tag {
  position: absolute;
  top: 28px;
  right: 28px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 5px 11px;
  border-radius: 100px;
  background: var(--bg-soft-2);
  color: var(--ink-soft);
}

.bento-card h3 {
  font-size: 1.28rem;
  margin-bottom: 10px;
}

.bento-card p {
  font-size: 0.95rem;
  margin-bottom: 20px;
}

.bento-wide {
  grid-column: span 3;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.bento-wide .bento-card {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.bento-wide .bento-card.dark {
  background: var(--navy);
  border-color: transparent;
  color: #fff;
}

.bento-wide .bento-card.dark h3 {
  color: #fff;
}

.bento-wide .bento-card.dark p {
  color: rgba(255, 255, 255, 0.68);
}

/* ---------- Stats band ---------- */
.stats-band {
  background: var(--navy);
  padding-block: 100px;
  position: relative;
  overflow: hidden;
}

.stats-band::before {
  content: "";
  position: absolute;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21, 148, 209, 0.18), transparent 70%);
  top: -200px;
  right: -100px;
}

.stats-band .section-head h2,
.stats-band .section-head p {
  color: #fff;
}

.stats-band .section-head p {
  color: rgba(255, 255, 255, 0.62);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
}

.stat-cell {
  background: var(--navy-2);
  padding: 36px 28px;
}

.stat-cell strong {
  display: block;
  font-size: clamp(1.9rem, 3vw, 2.5rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.02em;
}

.stat-cell strong .unit {
  color: var(--gold-light);
}

.stat-cell span {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.58);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* ---------- About ---------- */
.about-section {
  padding-block: 120px;
}

.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 64px;
  align-items: center;
}

.about-visual {
  position: relative;
  height: 460px;
}

.about-photo {
  position: absolute;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.about-photo.ph-1 {
  width: 78%;
  height: 82%;
  top: 0;
  left: 0;
  background: linear-gradient(155deg, var(--bg-soft-2), var(--border));
}

.about-photo.ph-2 {
  width: 52%;
  height: 46%;
  bottom: 0;
  right: 0;
  border: 6px solid #fff;
  background: linear-gradient(155deg, var(--gold-light), var(--gold));
}

.about-photo .ph-fill {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  color: var(--navy);
  opacity: 0.35;
}

.about-badge {
  position: absolute;
  bottom: -24px;
  left: 24px;
  background: #fff;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 18px 22px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.about-badge strong {
  display: block;
  font-size: 1.4rem;
  color: var(--navy);
  font-weight: 800;
}

.about-badge span {
  font-size: 0.78rem;
  color: var(--muted);
  font-weight: 600;
}

.about-list {
  list-style: none;
  padding: 0;
  margin: 28px 0 32px;
  display: grid;
  gap: 14px;
}

.about-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.96rem;
  color: var(--ink-soft);
  font-weight: 500;
}

.about-list .ic-check {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(26, 127, 90, 0.12);
  color: var(--success);
  display: grid;
  place-items: center;
  flex: none;
  margin-top: 1px;
}

/* ---------- How it works ---------- */
.steps-section {
  padding-block: 120px;
  background: var(--bg-soft);
}

.steps-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.step-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 30px 26px;
  border: 1px solid var(--border-soft);
  position: relative;
}

.step-num {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--navy);
  color: var(--gold-light);
  font-weight: 800;
  font-size: 1.05rem;
  display: grid;
  place-items: center;
  margin-bottom: 20px;
}

.step-card h4 {
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.step-card p {
  font-size: 0.9rem;
  margin: 0;
}

.step-connector {
  position: absolute;
  top: 44px;
  right: -24px;
  width: 24px;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--gold) 0 6px, transparent 6px 12px);
  display: none;
}

/* ---------- Branches ---------- */
.branches-section {
  padding-block: 120px;
}

.branches-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.branch-map-card {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 40px;
  position: relative;
  overflow: hidden;
  min-height: 420px;
  display: flex;
  align-items: flex-end;
}

.branch-map-card .mesh-grid-overlay {
  opacity: 0.5;
}

.branch-map-card::before {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21, 148, 209, 0.25), transparent 70%);
  top: -60px;
  left: -60px;
}

.branch-map-pin {
  position: absolute;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 6px rgba(21, 148, 209, 0.22);
}

.branch-map-headline {
  position: relative;
  color: #fff;
}

.branch-map-headline strong {
  font-size: 2.4rem;
  font-weight: 800;
  display: block;
}

.branch-map-headline span {
  color: rgba(255, 255, 255, 0.6);
  font-weight: 600;
  font-size: 0.92rem;
}

.branch-chip-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin: 28px 0 32px;
}

.branch-chip {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-soft);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ink-soft);
  transition: border-color 0.2s var(--ease), background 0.2s var(--ease);
}

.branch-chip:hover {
  border-color: var(--gold);
  background: rgba(21, 148, 209, 0.06);
}

.branch-chip .ic {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--bg-soft-2);
  color: var(--gold-dark);
  display: grid;
  place-items: center;
  flex: none;
}

.branch-chip.head-office {
  border-color: var(--gold);
  background: rgba(21, 148, 209, 0.08);
}

/* ---------- CTA band ---------- */
.cta-band {
  margin: 0 24px 120px;
  max-width: calc(var(--container-max) - 0px);
  margin-inline: auto;
  border-radius: var(--radius-xl);
  padding: 72px 64px;
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-3) 60%, #2a2560 130%);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}

.cta-band::after {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21, 148, 209, 0.3), transparent 70%);
  bottom: -220px;
  right: -80px;
}

.cta-band h2 {
  color: #fff;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  max-width: 480px;
  position: relative;
}

.cta-band p {
  color: rgba(255, 255, 255, 0.65);
  margin-top: 10px;
  max-width: 460px;
  position: relative;
}

.cta-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  position: relative;
}

/* ---------- CTA split band (two prompts, one row) ---------- */
.cta-split {
  margin: 0 24px 120px;
  max-width: var(--container-max);
  margin-inline: auto;
  border-radius: var(--radius-xl);
  padding: 56px 64px;
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-3) 60%, #2a2560 130%);
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 48px;
  align-items: center;
}

.cta-split::after {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21, 148, 209, 0.3), transparent 70%);
  bottom: -220px;
  right: -80px;
}

.cta-split-col {
  position: relative;
}

.cta-split-col h3 {
  color: #fff;
  font-size: 1.35rem;
  margin-bottom: 8px;
}

.cta-split-col p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.94rem;
  margin-bottom: 22px;
  max-width: 380px;
}

.cta-split-divider {
  width: 1px;
  align-self: stretch;
  background: rgba(255, 255, 255, 0.15);
  position: relative;
}

@media (max-width: 767.98px) {
  .cta-split {
    grid-template-columns: 1fr;
    padding: 40px 28px;
    gap: 32px;
  }
  .cta-split-divider {
    width: auto;
    height: 1px;
  }
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.6);
  padding-top: 80px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.9rem;
  margin: 16px 0 20px;
  max-width: 280px;
}

.footer-logo-img {
  height: 36px;
  width: auto;
  display: block;
  margin-bottom: 22px;
}

.footer-contact {
  display: grid;
  gap: 10px;
  font-size: 0.9rem;
}

.footer-contact a, .footer-contact span {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.72);
}

.footer-col h5 {
  color: #fff;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 20px;
  font-weight: 700;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 12px;
}

.footer-col a {
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.62);
  transition: color 0.2s var(--ease);
}

.footer-col a:hover {
  color: var(--gold-light);
}

.footer-bottom {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  padding-block: 24px;
  font-size: 0.82rem;
  gap: 12px 24px;
}

.footer-bottom > div:last-child {
  justify-self: end;
}

.footer-bottom a {
  color: rgba(255, 255, 255, 0.55);
  margin-left: 20px;
}

.footer-bottom .social-row {
  margin-top: 0;
}

.footer-bottom .social-row a {
  margin-left: 0;
  width: 34px;
  height: 34px;
  color: #fff;
}

@media (max-width: 767.98px) {
  .footer-bottom {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
  }
  .footer-bottom > div:last-child {
    justify-self: center;
  }
  .footer-bottom > div:last-child a:first-child {
    margin-left: 0;
  }
}

.social-row {
  display: flex;
  gap: 10px;
  margin-top: 20px;
}

.social-row a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: grid;
  place-items: center;
  color: #fff;
  transition: background 0.2s var(--ease);
}

.social-row a:hover {
  background: var(--gold);
  color: var(--navy);
}

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed;
  bottom: 26px;
  right: 26px;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25d366;
  display: grid;
  place-items: center;
  color: #fff;
  box-shadow: 0 10px 24px -6px rgba(37, 211, 102, 0.6);
  z-index: 999;
  animation: pulse-wa 2.4s ease-in-out infinite;
}

@keyframes pulse-wa {
  0%, 100% { box-shadow: 0 10px 24px -6px rgba(37, 211, 102, 0.6); }
  50% { box-shadow: 0 10px 30px -4px rgba(37, 211, 102, 0.85); }
}

/* ---------- Reveal-on-scroll ---------- */
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}

.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .nav-links, .nav-phone-wrap { display: none; }
  .nav-toggle { display: inline-flex; }
  .hero { padding-top: 40px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { height: 340px; order: -1; margin-bottom: 8px; }
  .float-card { padding: 14px 16px; }
  .float-card.card-1 { top: 20px; left: 20px; }
  .float-card.card-2 { bottom: auto; top: 100px; right: 20px; }
  .hero-badge-word { bottom: 24px; left: 24px; font-size: 1.3rem; max-width: 180px; }
  .about-grid { grid-template-columns: 1fr; }
  .about-visual { height: 360px; margin-bottom: 40px; }
  .branches-layout { grid-template-columns: 1fr; }
  .bento { grid-template-columns: repeat(2, 1fr); }
  .bento-wide { grid-column: span 2; grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-row { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 575.98px) {
  .bento { grid-template-columns: 1fr; }
  .bento-wide { grid-column: span 1; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .steps-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-band { padding: 44px 28px; }
  .branch-chip-grid { grid-template-columns: 1fr; }
  .hero-visual { height: 300px; }
  .float-card.card-1 { top: 16px; left: 16px; }
  .float-card.card-2 { top: 88px; right: 16px; }
  .float-card .fc-value { font-size: 1.1rem; }
  .hero-badge-word { font-size: 1.15rem; bottom: 18px; left: 18px; max-width: 160px; }
}

/* ==========================================================================
   Home page v2 — Stripe-pattern content architecture
   (full-bleed gradient hero, logo/trust strip, product-in-use mockups,
   comparison section, inline metric bar, quote spotlight, timeline)
   ========================================================================== */

/* ---------- Full-bleed hero ---------- */
.hero-v2 {
  position: relative;
  overflow: hidden;
  padding-top: 88px;
  padding-bottom: 64px;
  background:
    radial-gradient(ellipse 900px 520px at 82% -8%, rgba(111, 216, 247, 0.9), rgba(21, 148, 209, 0.35) 42%, transparent 68%),
    radial-gradient(ellipse 700px 480px at 100% 55%, rgba(99, 102, 241, 0.55), transparent 62%),
    var(--navy);
}

.hero-v2 .mesh-grid-overlay {
  opacity: 0.5;
}

.hero-bg-photo {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 62%;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 60%);
  mask-image: linear-gradient(to right, transparent 0%, #000 60%);
}

.hero-bg-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  opacity: 0.55;
}

.hero-bg-photo::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15, 33, 72, 0.25), rgba(15, 33, 72, 0.6));
}

@media (max-width: 991.98px) {
  .hero-bg-photo {
    width: 100%;
    -webkit-mask-image: linear-gradient(to bottom, transparent 0%, #000 100%);
    mask-image: linear-gradient(to bottom, transparent 0%, #000 100%);
  }
  .hero-bg-photo img {
    opacity: 0.4;
  }
}

.hero-v2 .container-xl {
  position: relative;
}

.ticker-line {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.7);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 8px 16px 8px 8px;
  border-radius: 100px;
  margin-bottom: 28px;
}

.ticker-line .ticker-badge {
  background: var(--gold);
  color: var(--navy);
  font-weight: 800;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  padding: 4px 10px;
  border-radius: 100px;
}

.hero-v2 h1 {
  color: #fff;
  font-size: clamp(2.6rem, 5.4vw, 4.6rem);
  max-width: 880px;
  margin-bottom: 24px;
}

.hero-v2 h1 .dim {
  color: rgba(255, 255, 255, 0.42);
}

.hero-v2 h1 .accent {
  background: linear-gradient(100deg, var(--gold-light) 10%, var(--accent-2) 55%, var(--gold-light) 90%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  animation: shine 7s linear infinite;
}

@keyframes shine {
  to { background-position: 200% center; }
}

.hero-v2 .hero-lead {
  color: rgba(255, 255, 255, 0.68);
  font-size: 1.2rem;
  max-width: 620px;
  margin-bottom: 36px;
}

.hero-v2 .hero-actions {
  margin-bottom: 0;
}

/* ---------- Logo / trust strip ---------- */
.trust-strip {
  padding-block: 26px;
  border-bottom: 1px solid var(--border-soft);
  background: var(--bg-soft);
  overflow: hidden;
}

.trust-strip .ts-label {
  display: block;
  text-align: center;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--muted);
  margin-bottom: 18px;
}

.marquee-wrap {
  width: 100%;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}

.marquee-track {
  display: flex;
  align-items: center;
  gap: 12px;
  width: max-content;
  animation: marquee 32s linear infinite;
}

.marquee-wrap:hover .marquee-track {
  animation-play-state: paused;
}

@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.city-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink-soft);
  background: #fff;
  border: 1px solid var(--border);
  padding: 8px 18px;
  border-radius: 100px;
  white-space: nowrap;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease), transform 0.2s var(--ease);
}

.city-pill:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-glow);
  transform: translateY(-2px);
}

.city-pill .cp-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-2), var(--gold));
  flex: none;
}

/* ---------- Compare section ---------- */
.compare-section {
  padding-block: 120px;
  background: #fff;
}

.compare-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 56px;
}

.compare-vs {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-2), var(--gold) 60%, var(--gold-dark));
  color: #fff;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  display: grid;
  place-items: center;
  box-shadow: 0 0 0 6px var(--bg-soft), var(--shadow-glow-lg);
  z-index: 2;
}

.compare-col {
  background: #fff;
  padding: 44px 40px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-soft);
  box-shadow: var(--shadow-md);
  transition: transform 0.32s var(--ease), box-shadow 0.32s var(--ease);
}

.compare-col:hover {
  transform: translateY(-3px);
}

.compare-col.win {
  background: var(--navy);
  border-color: transparent;
  box-shadow: var(--shadow-glow-lg);
}

.compare-col .cc-label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  margin-bottom: 6px;
  display: block;
}

.compare-col.win .cc-label {
  color: var(--gold-light);
}

.compare-col h3 {
  font-size: 1.4rem;
  margin-bottom: 28px;
}

.compare-col.win h3 {
  color: #fff;
}

.compare-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding-block: 14px;
  border-top: 1px solid var(--border-soft);
  font-size: 0.94rem;
  font-weight: 500;
  color: var(--ink-soft);
}

.compare-col.win .compare-row {
  border-top-color: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.78);
}

.compare-row:first-of-type {
  border-top: none;
}

.compare-row .ic {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex: none;
  margin-top: 1px;
  font-size: 0.72rem;
}

.compare-col:not(.win) .compare-row .ic {
  background: rgba(13, 106, 158, 0.1);
  color: var(--gold-dark);
}

.compare-col.win .compare-row .ic {
  background: rgba(26, 127, 90, 0.18);
  color: #4ade80;
}

/* ---------- Inline metric bar ---------- */
.metric-bar {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 32px;
  padding: 48px 0 44px;
  border-top: 1px solid var(--border-soft);
  border-bottom: 1px solid var(--border-soft);
}

.metric-bar .mb-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.metric-bar .mb-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: linear-gradient(155deg, rgba(21, 148, 209, 0.14), rgba(21, 148, 209, 0.06));
  color: var(--gold-dark);
  display: grid;
  place-items: center;
  flex: none;
  font-size: 1.05rem;
}

.metric-bar .mb-item strong {
  display: block;
  font-size: clamp(1.7rem, 2.6vw, 2.3rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}

.metric-bar .mb-item span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
}

/* ---------- Quote spotlight ---------- */
.quote-section {
  padding-block: 120px;
  background: var(--bg-soft);
}

.quote-card {
  max-width: 860px;
  margin-inline: auto;
  text-align: center;
}

.quote-card .qc-mark {
  font-size: 3.2rem;
  color: var(--gold);
  font-family: Georgia, serif;
  line-height: 1;
  margin-bottom: 8px;
}

.quote-card blockquote {
  font-size: clamp(1.4rem, 2.6vw, 1.9rem);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.42;
  letter-spacing: -0.01em;
  margin-bottom: 28px;
}

.quote-card .qc-person {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
}

.quote-card .qc-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(155deg, var(--gold-light), var(--gold));
  display: grid;
  place-items: center;
  color: var(--navy);
  font-weight: 800;
}

.quote-card .qc-name {
  font-weight: 700;
  color: var(--navy);
  font-size: 0.95rem;
  text-align: left;
}

.quote-card .qc-role {
  font-size: 0.82rem;
  color: var(--muted);
  text-align: left;
}

.quote-note {
  text-align: center;
  font-size: 0.76rem;
  color: var(--muted);
  margin-top: 18px;
  font-style: italic;
}

/* ---------- Testimonial grid (multi-card social proof) ---------- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.testimonial-card {
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.testimonial-stars {
  color: var(--gold);
  font-size: 0.85rem;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.testimonial-card p {
  font-size: 0.98rem;
  color: var(--ink-soft);
  font-weight: 500;
  line-height: 1.55;
  margin-bottom: 24px;
  flex: 1;
}

.testimonial-person {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 18px;
  border-top: 1px solid var(--border-soft);
}

.testimonial-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(155deg, var(--gold-light), var(--gold));
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 800;
  font-size: 0.9rem;
  flex: none;
}

.testimonial-name {
  font-weight: 700;
  color: var(--navy);
  font-size: 0.9rem;
}

.testimonial-role {
  font-size: 0.78rem;
  color: var(--muted);
}

/* ---------- Timeline steps ---------- */
.timeline-section {
  padding-block: 120px;
  background: var(--bg-soft);
}

.timeline-row {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-top: 60px;
}

.timeline-row::before {
  content: "";
  position: absolute;
  top: 27px;
  left: 8%;
  right: 8%;
  height: 3px;
  border-radius: 100px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--accent-2) 50%, var(--gold-dark) 100%);
  opacity: 0.35;
}

.timeline-item {
  flex: 1;
  text-align: center;
  padding: 0 14px;
  position: relative;
}

.timeline-dot {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(155deg, var(--navy-3), var(--navy));
  color: #fff;
  font-size: 1.3rem;
  display: grid;
  place-items: center;
  margin: 0 auto 22px;
  position: relative;
  z-index: 1;
  border: 4px solid var(--bg-soft);
  box-shadow: var(--shadow-glow);
}

.timeline-dot .td-num {
  position: absolute;
  top: -6px;
  right: -6px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-2), var(--gold));
  color: #fff;
  font-size: 0.68rem;
  font-weight: 800;
  display: grid;
  place-items: center;
  border: 2px solid var(--bg-soft);
}

.timeline-item h4 {
  font-size: 1rem;
  margin-bottom: 6px;
}

.timeline-item p {
  font-size: 0.86rem;
  margin: 0;
}

/* ---------- Home v2 responsive ---------- */
@media (max-width: 991.98px) {
  .compare-grid { grid-template-columns: 1fr; gap: 44px; }
  .compare-vs { width: 44px; height: 44px; font-size: 0.68rem; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .timeline-row { flex-direction: column; gap: 28px; }
  .timeline-row::before { display: none; }
  .timeline-item { text-align: left; display: flex; gap: 16px; align-items: flex-start; }
  .timeline-dot { margin: 0; flex: none; }
  .metric-bar { justify-content: flex-start; gap: 40px 56px; }
}

@media (max-width: 575.98px) {
  .trust-strip .container-xl { flex-direction: column; align-items: flex-start; }
  .quote-card blockquote { font-size: 1.3rem; }
}

/* ==========================================================================
   Inner pages — About, Products, Management, Branches, Contact, EMI Calc
   ========================================================================== */

/* ---------- Inner hero band ---------- */
.inner-hero {
  position: relative;
  overflow: hidden;
  padding-top: 76px;
  padding-bottom: 76px;
  background:
    radial-gradient(ellipse 640px 360px at 88% -20%, rgba(111, 216, 247, 0.55), transparent 65%),
    var(--navy);
}

.inner-hero .mesh-grid-overlay {
  opacity: 0.4;
}

.inner-hero .container-xl {
  position: relative;
}

.breadcrumb-row {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 20px;
}

.breadcrumb-row a {
  color: rgba(255, 255, 255, 0.7);
}

.breadcrumb-row a:hover {
  color: var(--gold-light);
}

.inner-hero h1 {
  color: #fff;
  font-size: clamp(2.1rem, 3.6vw, 3rem);
  max-width: 700px;
  margin-bottom: 14px;
}

.inner-hero p {
  color: rgba(255, 255, 255, 0.66);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0;
}

/* ---------- Generic content section ---------- */
.content-section {
  padding-block: 100px;
}

.content-section.soft {
  background: var(--bg-soft);
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.pull-quote {
  border-left: 3px solid var(--gold);
  padding-left: 24px;
  margin: 28px 0;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.5;
  font-style: italic;
}

/* ---------- Value / pillar cards ---------- */
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.pillar-card {
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease);
}

.pillar-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.pillar-card .card-icon {
  margin-bottom: 18px;
}

.pillar-card.has-photo {
  padding: 0;
  overflow: hidden;
}

.pc-photo {
  aspect-ratio: 4 / 3;
  overflow: hidden;
  background: var(--bg-soft-2);
}

.pc-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s var(--ease);
}

.pillar-card.has-photo:hover .pc-photo img {
  transform: scale(1.05);
}

.pc-body {
  position: relative;
  padding: 0 22px 24px;
}

.pc-body .card-icon {
  margin-top: -24px;
  margin-bottom: 14px;
  border: 3px solid #fff;
  position: relative;
}

.why-split {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: 64px;
  align-items: start;
}

.why-left {
  position: sticky;
  top: 110px;
}

.why-left .section-head {
  margin-bottom: 32px;
}

.why-split .compare-grid {
  grid-template-columns: 1fr;
  gap: 44px;
  margin-top: 0;
}

.why-photo {
  aspect-ratio: 5 / 4;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.why-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

@media (max-width: 991.98px) {
  .why-split {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .why-left {
    position: static;
  }
  .why-photo {
    aspect-ratio: 16 / 10;
  }
}
.story-photo {
  aspect-ratio: 5 / 6;
  max-height: 460px;
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 28px;
  box-shadow: var(--shadow-md);
}

.story-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  display: block;
}

.approach-photo {
  aspect-ratio: 5 / 2;
  border-radius: var(--radius-xl);
  overflow: hidden;
  margin: 48px 0 40px;
  box-shadow: var(--shadow-md);
}

.approach-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

@media (max-width: 767.98px) {
  .approach-photo {
    aspect-ratio: 16 / 10;
    margin: 32px 0 28px;
    border-radius: var(--radius-lg);
  }
}

.pillar-card h4 {
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.pillar-card p {
  font-size: 0.9rem;
  margin: 0;
}

/* ---------- Journey timeline (vertical) ---------- */
.journey-list {
  display: grid;
  gap: 0;
  position: relative;
  padding-left: 32px;
  border-left: 2px dashed var(--border);
}

.journey-item {
  position: relative;
  padding-bottom: 44px;
}

.journey-item:last-child {
  padding-bottom: 0;
}

.journey-item::before {
  content: "";
  position: absolute;
  left: -38px;
  top: 2px;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(21, 148, 209, 0.18);
}

.journey-item .j-year {
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--gold-dark);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 6px;
  display: block;
}

.journey-item h4 {
  font-size: 1.1rem;
  margin-bottom: 6px;
}

.journey-item p {
  font-size: 0.92rem;
  margin: 0;
  max-width: 480px;
}

/* ---------- Product rows (editorial, no cards — matches the numbered
   index pattern used on the homepage) ---------- */
.product-row {
  padding-block: 90px;
}

.pr-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 56px;
  align-items: start;
}

.pr-layout.rev {
  grid-template-columns: 380px 1fr;
}

.pr-layout.rev .pr-media {
  order: -1;
}

.pr-media {
  position: sticky;
  top: 110px;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--bg-soft-2);
  box-shadow: var(--shadow-md);
}

.pr-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.pr-head {
  display: flex;
  align-items: flex-start;
  gap: 28px;
  margin-bottom: 18px;
}

.pr-num {
  font-size: 3rem;
  font-weight: 800;
  color: var(--border);
  line-height: 1;
  flex: none;
}

.pr-head h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.1rem);
  margin: 2px 0 6px;
}

.pr-tagline {
  color: var(--muted);
  font-weight: 600;
  font-size: 0.96rem;
  margin: 0;
}

.pr-desc {
  font-size: 1.02rem;
  max-width: 720px;
  margin: 0 0 8px 108px;
}

.pd-facts-inline {
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  padding: 22px 0;
  margin: 24px 0 32px 108px;
  border-top: 1px solid var(--border-soft);
  border-bottom: 1px solid var(--border-soft);
}

.pd-facts-inline .pf-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.pd-facts-inline .pf-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  font-weight: 700;
}

.pd-facts-inline .pf-value {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--navy);
}

.pr-body-indent {
  margin-left: 108px;
}

.pd-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 30px;
}

.pd-col-head {
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--navy);
  margin-bottom: 12px;
  display: block;
}

.pd-feature-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 12px;
}

.pd-feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink-soft);
}

.pd-feature-list .ic-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(26, 127, 90, 0.12);
  color: var(--success);
  display: grid;
  place-items: center;
  flex: none;
  margin-top: 1px;
}

.pd-eligibility-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}

.pd-eligibility-list li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--ink-soft);
}

.pd-eligibility-list li::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex: none;
  margin-top: 6px;
}

@media (max-width: 991.98px) {
  .pr-layout,
  .pr-layout.rev {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .pr-media {
    position: static;
    order: -1;
    aspect-ratio: 16 / 9;
  }
  .pr-media img {
    object-position: center 25%;
  }
}

@media (max-width: 767.98px) {
  .pr-head { gap: 16px; }
  .pr-num { font-size: 2.1rem; }
  .pr-desc, .pd-facts-inline, .pr-body-indent { margin-left: 0; }
  .pd-facts-inline { gap: 24px 32px; }
  .pd-columns { grid-template-columns: 1fr; gap: 20px; }
}

/* ---------- Leadership / management ---------- */
.leader-card {
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  gap: 22px;
  align-items: flex-start;
}

.leader-avatar {
  width: 72px;
  height: 72px;
  border-radius: 18px;
  background: linear-gradient(155deg, var(--gold-light), var(--gold));
  color: var(--navy);
  font-weight: 800;
  font-size: 1.5rem;
  display: grid;
  place-items: center;
  flex: none;
}

.leader-photo {
  width: 112px;
  height: 112px;
  border-radius: 26px;
  object-fit: cover;
  flex: none;
  box-shadow: var(--shadow-md);
  border: 3px solid #fff;
}

.pr-head:has(.leader-photo) {
  align-items: center;
}

.pr-head:has(.leader-photo) ~ .pd-facts-inline,
.pr-head:has(.leader-photo) ~ .pr-desc,
.pr-head:has(.leader-photo) ~ .pr-body-indent {
  margin-left: 140px;
}

@media (max-width: 767.98px) {
  .leader-photo {
    width: 84px;
    height: 84px;
    border-radius: 20px;
  }
  .pr-head:has(.leader-photo) ~ .pd-facts-inline,
  .pr-head:has(.leader-photo) ~ .pr-desc,
  .pr-head:has(.leader-photo) ~ .pr-body-indent {
    margin-left: 0;
  }
}

.leader-avatar.av-navy {
  background: linear-gradient(155deg, var(--navy-3), var(--navy));
  color: #fff;
}

.leader-avatar.av-terra {
  background: linear-gradient(155deg, #6366f1, #312e81);
  color: #fff;
}

.leader-card h4 {
  font-size: 1.15rem;
  margin-bottom: 2px;
}

.leader-card .l-role {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold-dark);
  margin-bottom: 10px;
  display: block;
}

.leader-card p {
  font-size: 0.9rem;
  margin: 0;
}

.placeholder-note {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: rgba(217, 119, 6, 0.08);
  border: 1px dashed rgba(217, 119, 6, 0.35);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  font-size: 0.88rem;
  color: var(--ink-soft);
  margin-top: 32px;
}

.placeholder-note i {
  color: var(--gold-dark);
  font-size: 1.1rem;
  margin-top: 1px;
}

.team-pillar-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 20px;
}

/* ---------- Branch cards ---------- */
.branch-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.branch-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 28px;
  overflow: hidden;
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease), border-color 0.28s var(--ease);
}

.branch-card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(140deg, rgba(21, 148, 209, 0), rgba(21, 148, 209, 0.4), rgba(21, 148, 209, 0));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.28s var(--ease);
  pointer-events: none;
}

.branch-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-glow-lg);
  border-color: transparent;
}

.branch-card:hover::before {
  opacity: 1;
}

.branch-card .bc-icon {
  width: 50px;
  height: 50px;
  border-radius: 14px;
  background: linear-gradient(155deg, var(--gold-light), var(--gold));
  color: var(--navy);
  display: grid;
  place-items: center;
  margin-bottom: 18px;
  font-size: 1.15rem;
  box-shadow: var(--shadow-sm);
  position: relative;
  z-index: 1;
}

.branch-card:nth-of-type(3n+2) .bc-icon {
  background: linear-gradient(155deg, var(--navy-3), var(--navy));
  color: #fff;
}

.branch-card:nth-of-type(3n) .bc-icon {
  background: linear-gradient(155deg, #6366f1, #312e81);
  color: #fff;
}

.branch-card.head-office {
  background: linear-gradient(155deg, var(--navy-3) 0%, var(--navy) 100%);
  border-color: transparent;
  box-shadow: var(--shadow-glow);
}

.branch-card.head-office::after {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(111, 216, 247, 0.22), transparent 70%);
  top: -100px;
  right: -60px;
  pointer-events: none;
}

.branch-card.head-office .bc-icon {
  background: rgba(255, 255, 255, 0.14);
  color: var(--gold-light);
}

.branch-card.head-office .bc-tag {
  color: var(--gold-light);
}

.branch-card.head-office h4 {
  color: #fff;
}

.branch-card.head-office .bc-district {
  color: rgba(255, 255, 255, 0.55);
}

.branch-card.head-office .bc-meta {
  border-top-color: rgba(255, 255, 255, 0.14);
}

.branch-card.head-office .bc-meta-row {
  color: rgba(255, 255, 255, 0.78);
}

.branch-card.head-office .bc-meta-row i {
  color: var(--gold-light);
}

.branch-card.head-office .bc-directions {
  color: #fff;
}

.branch-card.head-office .bc-directions:hover {
  color: var(--gold-light);
}

.branch-card h4 {
  font-size: 1.05rem;
  margin-bottom: 4px;
}

.branch-card .bc-tag {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold-dark);
}

.branch-card .bc-district {
  font-size: 0.8rem;
  color: var(--muted);
  font-weight: 600;
  display: block;
  margin-top: 2px;
}

.branch-card p {
  font-size: 0.88rem;
  margin: 12px 0 0;
}

.branch-card .bc-desc {
  font-size: 0.86rem;
  color: var(--ink-soft);
  margin: 10px 0 16px;
  min-height: 40px;
}

.branch-card .bc-meta {
  display: grid;
  gap: 7px;
  padding-top: 14px;
  margin-bottom: 16px;
  border-top: 1px solid var(--border-soft);
}

.branch-card .bc-meta-row {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--ink-soft);
  font-weight: 500;
}

.branch-card .bc-meta-row i {
  color: var(--gold-dark);
  width: 14px;
  text-align: center;
  flex: none;
}

.branch-card .bc-meta-row a {
  color: inherit;
}

.branch-card .bc-directions {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s var(--ease), gap 0.2s var(--ease);
}

.branch-card .bc-directions:hover {
  color: var(--gold-dark);
  gap: 9px;
}

/* ---------- Contact page ---------- */
/* ---------- Contact v2: map-forward split ---------- */
.contact-split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: stretch;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--border-soft);
  box-shadow: var(--shadow-md);
}

.contact-map-col {
  position: relative;
  min-height: 480px;
  background: var(--bg-soft-2);
}

.contact-map-col iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
  filter: grayscale(0.15) contrast(1.03);
}

/* Info strip — sits above the map/form split */
.contact-info-strip {
  display: flex;
  align-items: center;
  gap: 28px;
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 24px 30px;
  margin-bottom: 24px;
  box-shadow: var(--shadow-sm);
}

.contact-info-strip .cis-office {
  flex: none;
  padding-right: 28px;
  border-right: 1px solid var(--border-soft);
  white-space: nowrap;
}

.contact-info-strip .cis-office h3 {
  font-size: 1.05rem;
  margin-bottom: 2px;
}

.contact-info-strip .cis-office span {
  font-size: 0.82rem;
  color: var(--muted);
  font-weight: 600;
}

.contact-info-strip .cis-details {
  display: grid;
  grid-template-columns: repeat(2, auto);
  gap: 28px;
  flex: 1;
}

.contact-info-strip .contact-info-row {
  margin-bottom: 0;
  align-items: center;
  white-space: nowrap;
}

.contact-info-strip .contact-info-row .ci-icon {
  width: 36px;
  height: 36px;
  background: var(--bg-soft-2);
  color: var(--gold-dark);
}

.contact-info-strip .contact-info-row strong {
  color: var(--navy);
  font-size: 0.86rem;
  margin-bottom: 0;
}

.contact-info-strip .contact-info-row span,
.contact-info-strip .contact-info-row a {
  color: var(--ink-soft);
  font-size: 0.86rem;
}

.contact-info-strip .cis-actions {
  display: flex;
  gap: 10px;
  flex: none;
}

.cmo-whatsapp,
.cmo-call {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 20px;
  border-radius: 100px;
  font-size: 0.86rem;
  font-weight: 700;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease);
}

.cmo-whatsapp:hover,
.cmo-call:hover {
  transform: translateY(-2px);
}

.cmo-whatsapp {
  background: #25d366;
  color: #fff;
}

.cmo-whatsapp:hover {
  box-shadow: 0 10px 20px -8px rgba(37, 211, 102, 0.5);
}

.cmo-call {
  background: linear-gradient(135deg, var(--accent-2), var(--gold));
  color: #fff;
}

.cmo-call:hover {
  box-shadow: var(--shadow-glow);
}

.contact-form-col {
  background: #fff;
  padding: 52px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.contact-form-col h3 {
  font-size: 1.4rem;
  margin-bottom: 8px;
}

.contact-form-col .cfc-sub {
  font-size: 0.92rem;
  color: var(--muted);
  margin-bottom: 28px;
}

@media (max-width: 1139.98px) {
  .contact-info-strip {
    flex-direction: column;
    align-items: stretch;
    padding: 24px;
    gap: 20px;
  }
  .contact-info-strip .cis-office {
    border-right: none;
    padding-right: 0;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--border-soft);
    white-space: normal;
  }
  .contact-info-strip .cis-details {
    grid-template-columns: repeat(2, 1fr);
    gap: 18px 20px;
  }
  .contact-info-strip .contact-info-row {
    white-space: normal;
  }
  .contact-info-strip .cis-actions {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 991.98px) {
  .contact-split {
    grid-template-columns: 1fr;
  }
  .contact-map-col {
    min-height: 0;
    height: 320px;
  }
  .contact-form-col {
    padding: 40px 28px;
  }
  .contact-info-strip {
    flex-direction: column;
    align-items: stretch;
    padding: 24px;
    gap: 20px;
  }
  .contact-info-strip .cis-office {
    border-right: none;
    padding-right: 0;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--border-soft);
    white-space: normal;
  }
  .contact-info-strip .cis-details {
    grid-template-columns: repeat(2, 1fr);
    gap: 18px 20px;
  }
  .contact-info-strip .contact-info-row {
    white-space: normal;
  }
  .contact-info-strip .cis-actions {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 575.98px) {
  .contact-info-strip .cis-details {
    grid-template-columns: 1fr;
  }
  .contact-info-strip .cis-actions {
    grid-template-columns: 1fr;
  }
}

/* ---------- Apply page ---------- */
.apply-side-col {
  position: relative;
  background: var(--navy);
  color: #fff;
  padding: 52px 44px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.apply-side-col::before {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21, 148, 209, 0.3), transparent 70%);
  top: -120px;
  right: -100px;
}

.apply-side-col h3 {
  font-size: 1.3rem;
  margin-bottom: 22px;
  position: relative;
}

.apply-side-list {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
  display: grid;
  gap: 16px;
  position: relative;
}

.apply-side-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.82);
}

.apply-side-list i {
  flex: none;
  font-size: 1.05rem;
  color: var(--gold-light);
  margin-top: 1px;
}

.apply-side-divider {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  padding-top: 26px;
  position: relative;
}

.apply-side-divider p {
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.6);
  font-weight: 600;
  margin-bottom: 14px;
}

.apply-cta-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

@media (max-width: 991.98px) {
  .apply-side-col {
    padding: 40px 28px;
  }
}

.contact-info-row {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 22px;
  position: relative;
}

.contact-info-row .ci-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.08);
  color: var(--gold-light);
  display: grid;
  place-items: center;
  flex: none;
}

.contact-info-row strong {
  display: block;
  font-size: 0.94rem;
  margin-bottom: 2px;
}

.contact-info-row span, .contact-info-row a {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.65);
}

.form-label-sm {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--ink-soft);
  margin-bottom: 6px;
}

.form-control-lg-soft {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 0.95rem;
}

.form-control-lg-soft:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(21, 148, 209, 0.15);
}

/* ---------- Loan detail pages ---------- */
.ld-lead {
  font-size: 1.08rem;
  max-width: 620px;
  margin-bottom: 8px;
}

.ld-facts {
  display: grid;
  grid-template-columns: repeat(3, auto);
  justify-content: start;
  gap: 16px 48px;
  padding: 26px 0;
  margin: 28px 0 32px;
  border-top: 1px solid var(--border-soft);
  border-bottom: 1px solid var(--border-soft);
}

.ld-facts .pf-item {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.ld-facts .pf-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  font-weight: 700;
}

.ld-facts .pf-value {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy);
}

.ld-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.ld-note {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.84rem;
  color: var(--muted);
  margin: 20px 0 0;
}

.ld-twocol {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

.ld-card {
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 36px 36px 32px;
  box-shadow: var(--shadow-sm);
}

.ld-card .pd-col-head {
  margin-bottom: 20px;
}

.ld-docs {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 12px;
}

.ld-docs li {
  display: flex;
  align-items: center;
  gap: 14px;
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: 15px 20px;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--ink-soft);
}

.ld-docs i {
  color: var(--gold-dark);
  font-size: 1.15rem;
  flex: none;
}

.faq-acc {
  max-width: 820px;
  margin: 48px auto 0;
  display: grid;
  gap: 12px;
}

.faq-acc .accordion-item {
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md) !important;
  overflow: hidden;
  background: #fff;
}

.faq-acc .accordion-button {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--navy);
  background: #fff;
  padding: 20px 24px;
  box-shadow: none;
}

.faq-acc .accordion-button:not(.collapsed) {
  color: var(--gold-dark);
  background: #fff;
}

.faq-acc .accordion-button:focus {
  box-shadow: none;
}

.faq-acc .accordion-body {
  padding: 0 24px 22px;
  color: var(--ink-soft);
  line-height: 1.7;
}

.ld-related {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 900px;
  margin: 48px auto 0;
}

.ld-rel-card {
  display: grid;
  grid-template-columns: 120px 1fr auto;
  align-items: center;
  gap: 20px;
  padding: 16px 22px 16px 16px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  text-decoration: none;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease);
}

.ld-rel-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.ld-rel-card:hover .li-arrow {
  background: linear-gradient(135deg, var(--accent-2), var(--gold));
  border-color: transparent;
  color: #fff;
  transform: rotate(45deg);
}

.lr-thumb {
  aspect-ratio: 1;
  border-radius: var(--radius-md);
  overflow: hidden;
}

.lr-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.lr-body h3 {
  font-size: 1.15rem;
  margin: 0 0 4px;
}

.lr-body p {
  font-size: 0.86rem;
  color: var(--muted);
  font-weight: 600;
  margin: 0;
}

.lr-body .li-tag {
  margin-bottom: 4px;
}

@media (max-width: 991.98px) {
  .ld-twocol,
  .ld-related {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 575.98px) {
  .ld-facts {
    grid-template-columns: 1fr 1fr;
    gap: 20px 24px;
  }
  .ld-card {
    padding: 28px 22px;
  }
  .ld-rel-card {
    grid-template-columns: 84px 1fr auto;
    gap: 14px;
  }
}

/* ---------- Legal pages (privacy / terms) ---------- */
.legal-layout {
  display: grid;
  grid-template-columns: 250px 1fr;
  gap: 64px;
  align-items: start;
}

.legal-toc {
  position: sticky;
  top: 110px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-left: 20px;
  border-left: 1px solid var(--border);
}

.legal-toc .lt-title {
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  margin-bottom: 10px;
}

.legal-toc a {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink-soft);
  padding: 6px 0;
  transition: color 0.2s var(--ease);
}

.legal-toc a:hover {
  color: var(--gold-dark);
}

.legal-content {
  max-width: 760px;
}

.legal-meta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--muted);
  background: var(--bg-soft);
  border: 1px solid var(--border-soft);
  padding: 7px 14px;
  border-radius: 100px;
  margin-bottom: 36px;
}

.legal-content h2 {
  font-size: 1.35rem;
  margin: 44px 0 14px;
  scroll-margin-top: 110px;
}

.legal-content h2:first-of-type {
  margin-top: 0;
}

.legal-content p,
.legal-content li {
  font-size: 0.98rem;
  line-height: 1.75;
  color: var(--ink-soft);
}

.legal-content ul {
  padding-left: 20px;
  margin-bottom: 16px;
}

.legal-content li {
  margin-bottom: 8px;
}

.legal-content li::marker {
  color: var(--gold);
}

.legal-content a {
  color: var(--gold-dark);
  font-weight: 600;
}

.legal-contact {
  display: flex;
  flex-direction: column;
  gap: 8px;
  background: var(--bg-soft);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: 22px 26px;
  margin: 8px 0 20px;
  font-size: 0.94rem;
}

.legal-contact strong {
  color: var(--navy);
}

.legal-contact i {
  color: var(--gold-dark);
  margin-right: 8px;
}

@media (max-width: 991.98px) {
  .legal-layout {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .legal-toc {
    position: static;
    padding: 20px 22px;
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    background: var(--bg-soft);
  }
}

/* ---------- EMI calculator ---------- */
.emi-layout {
  display: grid;
  grid-template-columns: 1fr 0.85fr;
  gap: 48px;
  align-items: start;
}

.emi-panel {
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}

.emi-field {
  margin-bottom: 30px;
}

.emi-field-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}

.emi-field-head label {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy);
}

.emi-field-head .emi-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--gold-dark);
}

.emi-field input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 36px;
  margin: 0;
  background: transparent;
  outline: none;
  cursor: pointer;
}

.emi-field input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(to right, var(--gold) var(--fill, 50%), var(--bg-soft-2) var(--fill, 50%));
}

.emi-field input[type="range"]::-webkit-slider-thumb {
  margin-top: -7px;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--gold);
  box-shadow: 0 2px 10px rgba(21, 148, 209, 0.45);
  cursor: pointer;
  transition: transform 0.15s ease;
}

.emi-field input[type="range"]::-webkit-slider-thumb:hover,
.emi-field input[type="range"]::-webkit-slider-thumb:active {
  transform: scale(1.15);
}

.emi-field input[type="range"]::-moz-range-track {
  height: 6px;
  border-radius: 999px;
  background: var(--bg-soft-2);
}

.emi-field input[type="range"]::-moz-range-progress {
  height: 6px;
  border-radius: 999px;
  background: var(--gold);
}

.emi-field input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--gold);
  box-shadow: 0 2px 10px rgba(21, 148, 209, 0.45);
  cursor: pointer;
}

.emi-result {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 36px;
  color: #fff;
  position: relative;
  overflow: hidden;
  position: sticky;
  top: 110px;
}

.emi-result::before {
  content: "";
  position: absolute;
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21, 148, 209, 0.28), transparent 70%);
  top: -100px;
  right: -80px;
}

.emi-result .er-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.55);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  position: relative;
}

.emi-result .er-value {
  font-size: 2.6rem;
  font-weight: 800;
  color: #fff;
  margin: 6px 0 28px;
  position: relative;
}

.emi-result .er-value span {
  background: linear-gradient(100deg, var(--gold-light) 10%, var(--accent-2) 55%, var(--gold-light) 90%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.emi-ratio {
  position: relative;
  margin-bottom: 28px;
}

.emi-ratio-track {
  height: 8px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.14);
  overflow: hidden;
}

.emi-ratio-fill {
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold-light), var(--accent-2));
  transition: width 0.2s ease;
}

.emi-ratio-legend {
  display: flex;
  justify-content: space-between;
  margin-top: 12px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.6);
  font-weight: 600;
}

.emi-ratio-legend strong {
  color: #fff;
  font-weight: 800;
  margin-left: 4px;
}

.emi-ratio-legend .rd {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  margin-right: 6px;
}

.rd-principal {
  background: linear-gradient(90deg, var(--gold-light), var(--accent-2));
}

.rd-interest {
  background: rgba(255, 255, 255, 0.25);
}

.emi-breakdown {
  display: grid;
  gap: 14px;
  position: relative;
}

.emi-breakdown .eb-row {
  display: flex;
  justify-content: space-between;
  padding-top: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
}

.emi-breakdown .eb-row:first-child {
  border-top: none;
  padding-top: 0;
}

.emi-breakdown .eb-row span:first-child {
  color: rgba(255, 255, 255, 0.55);
  font-weight: 600;
}

.emi-breakdown .eb-row span:last-child {
  font-weight: 700;
  color: #fff;
}

/* ---------- Inner-pages responsive ---------- */
@media (max-width: 991.98px) {
  .two-col { grid-template-columns: 1fr; gap: 40px; }
  .pillar-grid { grid-template-columns: repeat(2, 1fr); }
  .product-detail-card,
  .product-detail-card:nth-child(even) { grid-template-columns: 1fr; }
  .product-detail-card:nth-child(even) .pd-visual { order: 0; }
  .branch-card-grid { grid-template-columns: repeat(2, 1fr); }
  .emi-layout { grid-template-columns: 1fr; }
  .emi-result { position: static; }
  .team-pillar-grid { grid-template-columns: 1fr; }
}

@media (max-width: 575.98px) {
  .pillar-grid { grid-template-columns: 1fr; }
  .branch-card-grid { grid-template-columns: 1fr; }
  .leader-card { flex-direction: column; }
  .contact-form-card, .emi-panel { padding: 26px; }
}

/* ==========================================================================
   Process cards (How It Works v2) — replaces the dots-on-a-line timeline
   with the same elevated-card language used by showcase/testimonial cards.
   ========================================================================== */
.process-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 4px;
}

.process-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  overflow: hidden;
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease);
}

.process-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.pc-ghost-num {
  position: absolute;
  top: -18px;
  right: 2px;
  font-size: 4.6rem;
  font-weight: 800;
  color: var(--navy);
  opacity: 0.05;
  line-height: 1;
  pointer-events: none;
  z-index: 0;
}

.pc-icon {
  position: relative;
  z-index: 1;
  width: 46px;
  height: 46px;
  border-radius: 13px;
  background: linear-gradient(155deg, var(--navy-3), var(--navy));
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 1.15rem;
  margin-bottom: 18px;
  box-shadow: var(--shadow-glow);
}

.process-card h4 {
  position: relative;
  z-index: 1;
  font-size: 1.02rem;
  margin-bottom: 6px;
}

.process-card p {
  position: relative;
  z-index: 1;
  font-size: 0.86rem;
  margin: 0;
}

.process-arrow {
  display: grid;
  place-items: center;
  color: var(--gold);
  font-size: 1.1rem;
  opacity: 0.6;
}

@media (max-width: 991.98px) {
  .process-grid { grid-template-columns: 1fr; gap: 14px; }
  .process-arrow { transform: rotate(90deg); padding: 2px 0; }
}

/* ==========================================================================
   CTA v2 — centered lead-capture form (industry-standard pattern for
   lending sites: a phone-number callback request, not just link buttons)
   ========================================================================== */
.cta-band-v2 {
  margin: 0 24px 120px;
  max-width: calc(var(--container-max) - 0px);
  margin-inline: auto;
  border-radius: var(--radius-xl);
  padding: 84px 40px;
  background:
    radial-gradient(ellipse 520px 360px at 15% -10%, rgba(111, 216, 247, 0.18), transparent 65%),
    radial-gradient(ellipse 480px 340px at 100% 110%, rgba(99, 102, 241, 0.22), transparent 65%),
    linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 55%, var(--navy-3) 130%);
  position: relative;
  overflow: hidden;
  text-align: center;
}

.cta-band-v2 .mesh-grid-overlay {
  opacity: 0.35;
}

.cta-v2-inner {
  position: relative;
  max-width: 620px;
  margin-inline: auto;
}

.cta-v2-inner h2 {
  color: #fff;
  font-size: clamp(1.9rem, 3.2vw, 2.6rem);
  margin: 16px 0 12px;
}

.cta-v2-inner > p {
  color: rgba(255, 255, 255, 0.62);
  font-size: 1.02rem;
  margin-bottom: 36px;
}

.cta-lead-form {
  display: flex;
  gap: 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 100px;
  padding: 6px;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}

.cta-lead-form input {
  flex: 1;
  background: transparent;
  border: none;
  outline: none;
  color: #fff;
  font-size: 0.98rem;
  font-weight: 500;
  padding: 12px 18px;
}

.cta-lead-form input::placeholder {
  color: rgba(255, 255, 255, 0.42);
}

.cta-lead-form .btn {
  flex: none;
}

.cta-v2-note {
  margin-top: 20px;
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  flex-wrap: wrap;
}

.cta-v2-note a {
  color: var(--gold-light);
  font-weight: 600;
}

.cta-v2-success {
  margin-top: 18px;
  font-size: 0.9rem;
  font-weight: 600;
  color: #6fe6c4;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

@media (max-width: 575.98px) {
  .cta-band-v2 { padding: 56px 24px; margin: 0 16px 100px; }
  .cta-lead-form { flex-direction: column; border-radius: var(--radius-md); }
  .cta-lead-form input { text-align: center; }
}

/* ==========================================================================
   CTA v3 — functional split: a request-callback form on one side, a
   direct call/WhatsApp option on the other, joined by an "OR" divider.
   ========================================================================== */
.cta-section {
  padding-block: 120px;
  background: #fff;
}

.cta-band-v3 {
  margin: 0 24px;
  max-width: var(--container-max);
  margin-inline: auto;
  background: #fff;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.cta-v3-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
}

.cta-v3-text,
.cta-v3-call {
  padding: 56px 52px;
}

.cta-v3-text h2 {
  margin: 16px 0 10px;
  font-size: clamp(1.5rem, 2.4vw, 1.9rem);
}

.cta-v3-text > p {
  font-size: 0.96rem;
  margin-bottom: 28px;
}

.cta-v3-form-full {
  display: grid;
  gap: 12px;
}

.cta-v3-form-full .row2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.cta-v3-form-full input,
.cta-v3-form-full select {
  border: 1px solid var(--border);
  background: #fff;
  border-radius: 10px;
  padding: 13px 16px;
  font-size: 0.94rem;
  color: var(--navy);
  outline: none;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}

.cta-v3-form-full input::placeholder {
  color: var(--muted);
}

.cta-v3-form-full input:focus,
.cta-v3-form-full select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(21, 148, 209, 0.15);
}

.cta-v3-form-full button {
  margin-top: 4px;
}

.cta-v3-success {
  margin-top: 14px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--success);
  display: flex;
  align-items: center;
  gap: 8px;
}

.cta-v3-note {
  margin-top: 16px;
  font-size: 0.82rem;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 8px;
}

.cta-v3-divider {
  position: relative;
  align-self: stretch;
  width: 1px;
  background: var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
}

.cta-v3-divider span {
  position: absolute;
  background: #fff;
  border: 1px solid var(--border);
  color: var(--muted);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: grid;
  place-items: center;
}

.cta-v3-call {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.cta-v3-call .card-icon {
  width: 56px;
  height: 56px;
  margin: 0 0 18px;
  background: linear-gradient(135deg, var(--navy-3), var(--navy));
  color: #fff;
  font-size: 1.3rem;
}

.cta-v3-call h3 {
  font-size: 1.2rem;
  margin-bottom: 8px;
}

.cta-v3-call p {
  font-size: 0.92rem;
  margin-bottom: 22px;
  max-width: 280px;
}

.cta-v3-call .call-number {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  text-decoration: none;
  margin-bottom: 18px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.cta-v3-call .call-number:hover {
  color: var(--gold-dark);
}

.cta-v3-call .whatsapp-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.92rem;
  color: #fff;
  background: #25d366;
  padding: 11px 22px;
  border-radius: 100px;
  text-decoration: none;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease);
}

.cta-v3-call .whatsapp-link:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 20px -8px rgba(37, 211, 102, 0.5);
}

@media (max-width: 767.98px) {
  .cta-section { padding-block: 90px; }
  .cta-band-v3 { margin: 0 16px; }
  .cta-v3-grid { grid-template-columns: 1fr; }
  .cta-v3-text, .cta-v3-call { padding: 44px 28px; }
  .cta-v3-divider {
    width: auto;
    height: 1px;
    margin: 0 28px;
  }
  .cta-v3-form-full .row2 { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Loan index — editorial numbered list. No cards, no chrome: hairline
   dividers, oversized ghost numerals, restraint-driven hover feedback.
   ========================================================================== */
.loans-section {
  padding-block: 120px;
}

.loan-index {
  max-width: 1040px;
  margin: 56px auto 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 0 40px;
  overflow: hidden;
}

.loan-index-row {
  display: grid;
  grid-template-columns: 90px 1fr 232px auto;
  align-items: center;
  gap: 32px;
  padding: 36px 0;
  border-top: 1px solid var(--border);
  text-decoration: none;
  transition: padding-left 0.3s var(--ease), background 0.3s var(--ease);
}

.loan-index-row:first-child {
  border-top: none;
}

.loan-index-row:hover {
  padding-left: 14px;
}

.li-num {
  font-size: 3rem;
  font-weight: 800;
  color: var(--border);
  line-height: 1;
  transition: color 0.3s var(--ease);
}

.loan-index-row:hover .li-num {
  color: var(--gold);
}

.li-body h3 {
  font-size: 1.4rem;
  margin-bottom: 8px;
}

.li-body p {
  margin: 0 0 16px;
  max-width: 460px;
  font-size: 0.96rem;
}

.li-tag {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold-dark);
  display: block;
  margin-bottom: 8px;
}

.li-features {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.li-features li {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  gap: 7px;
}

.li-features li::before {
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
  flex: none;
}

.li-thumb {
  aspect-ratio: 4 / 3;
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--bg-soft-2);
  box-shadow: var(--shadow-sm);
}

.li-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s var(--ease);
}

.loan-index-row:hover .li-thumb img {
  transform: scale(1.06);
}

.li-arrow {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: grid;
  place-items: center;
  color: var(--navy);
  font-size: 1.1rem;
  flex: none;
  transition: all 0.3s var(--ease);
}

.loan-index-row:hover .li-arrow {
  background: linear-gradient(135deg, var(--accent-2), var(--gold));
  border-color: transparent;
  color: #fff;
  transform: rotate(45deg);
  box-shadow: var(--shadow-glow);
}

@media (max-width: 991.98px) {
  .loan-index-row {
    grid-template-columns: 56px 1fr 180px auto;
    gap: 22px;
  }
  .li-num {
    font-size: 2.4rem;
  }
}

@media (max-width: 767.98px) {
  .loan-index {
    padding: 0 20px;
    border-radius: var(--radius-md);
  }
  .loan-index-row {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 32px 0;
  }
  .loan-index-row:hover {
    padding-left: 0;
  }
  .li-num {
    font-size: 2.2rem;
  }
  .li-thumb {
    aspect-ratio: 16 / 10;
  }
  .li-thumb img {
    object-position: center 20%;
  }
  .li-arrow {
    width: 44px;
    height: 44px;
  }
}


/* ---------- Small-phone button wrapping ---------- */
@media (max-width: 575.98px) {
  .btn {
    white-space: normal;
    text-align: center;
  }
  .ld-actions .btn,
  .pr-body-indent .btn {
    width: 100%;
  }
  .pr-body-indent .btn.ms-2 {
    margin-left: 0 !important;
    margin-top: 10px;
  }
  .nav-cta .btn {
    white-space: nowrap;
  }
}
/* ---------- Touch targets + two-up card grid ---------- */
.pillar-grid-2 {
  grid-template-columns: 1fr 1fr;
}

@media (max-width: 575.98px) {
  .pillar-grid-2 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 991.98px) {
  .footer-col ul {
    gap: 0;
  }
  .footer-col a,
  .footer-bottom > div:last-child a {
    display: inline-block;
    padding: 9px 0;
  }
  .footer-contact a {
    padding: 5px 0;
  }
}
/* ---------- Language toggle (English / Hindi) ---------- */
.lang-toggle {
  display: inline-flex;
  border: 1.5px solid var(--navy);
  border-radius: 999px;
  overflow: hidden;
  flex-shrink: 0;
}
.lang-toggle button {
  border: 0;
  background: transparent;
  color: var(--navy);
  font: inherit;
  font-size: 0.8rem;
  font-weight: 700;
  line-height: 1;
  padding: 0.45rem 0.7rem;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
}
.lang-toggle button:hover { background: rgba(15, 33, 72, 0.08); }
.lang-toggle button.is-active { background: var(--navy); color: #fff; }
.nav-cta .lang-toggle { margin-right: 0.25rem; }

/* Hide Google Translate's own banner / tooltips; we use our own toggle */
body { top: 0 !important; }
iframe.skiptranslate, .goog-te-banner-frame { display: none !important; }
#goog-gt-tt, .goog-tooltip, .goog-tooltip:hover { display: none !important; }
.goog-text-highlight { background: none !important; box-shadow: none !important; }
.lang-toggle button[data-lang="hi"] { font-family: "Noto Sans Devanagari", "Nirmala UI", "Mangal", "Kohinoor Devanagari", sans-serif; font-size: 0.82rem; line-height: 1.2; }

/* Header: Apply Now and the language switch share one height */
.nav-cta .btn-gold,
.nav-cta .lang-toggle { height: 42px; box-sizing: border-box; }
.nav-cta .btn-gold { padding-top: 0; padding-bottom: 0; }
.nav-cta .lang-toggle { margin-right: 0; align-items: stretch; }
.nav-cta .lang-toggle button { padding-top: 0; padding-bottom: 0; display: flex; align-items: center; }