/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  color: #1a1a2e;
  background: #fff;
  overflow-x: hidden;
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; outline: none; }

/* ============================================================
   PREMIUM DESIGN TOKENS
   ============================================================ */
:root {
  --navy:       #091828;
  --navy-mid:   #0E2540;
  --royal:      #103868;
  --royal-lt:   #1A4D8F;
  --gold:       #C9A227;
  --gold-lt:    #E2C05A;
  --gold-glow:  rgba(201,162,39,0.35);
  --green:      #059652;
  --green-dk:   #047040;
  --green-glow: rgba(5,150,82,0.3);
  --accent:     #1E6FE8;
  --white:      #FFFFFF;
  --gray-lt:    #F4F6FA;
  --gray-md:    #E2E8F0;
  --gray-dk:    #718096;
  --text:       #0F172A;
  --text-lt:    #475569;
  --text-muted: #94A3B8;

  --shadow-xs:  0 1px 3px rgba(9,24,40,0.06);
  --shadow-sm:  0 2px 10px rgba(9,24,40,0.09);
  --shadow-md:  0 6px 24px rgba(9,24,40,0.13);
  --shadow-lg:  0 12px 48px rgba(9,24,40,0.18);
  --shadow-xl:  0 24px 64px rgba(9,24,40,0.24);
  --shadow-gold: 0 8px 32px rgba(201,162,39,0.25);
  --shadow-green: 0 8px 32px rgba(5,150,82,0.25);

  --radius-sm:  6px;
  --radius:     10px;
  --radius-lg:  18px;
  --radius-xl:  28px;
  --transition: 0.28s cubic-bezier(0.4,0,0.2,1);
  --transition-fast: 0.16s cubic-bezier(0.4,0,0.2,1);
}

/* ============================================================
   PREMIUM KEYFRAMES & ANIMATIONS
   ============================================================ */
@keyframes fadeInUp    { from { opacity:0; transform:translateY(28px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeInLeft  { from { opacity:0; transform:translateX(-28px); } to { opacity:1; transform:translateX(0); } }
@keyframes fadeInRight { from { opacity:0; transform:translateX(28px); } to { opacity:1; transform:translateX(0); } }
@keyframes scaleIn     { from { opacity:0; transform:scale(0.92); } to { opacity:1; transform:scale(1); } }
@keyframes shimmer     { 0%,100% { opacity:0.5; } 50% { opacity:1; } }
@keyframes floatY      { 0%,100% { transform:translateY(0); } 50% { transform:translateY(-10px); } }
@keyframes rotateSlow  { from { transform:rotate(0deg); } to { transform:rotate(360deg); } }
@keyframes pulse-ring  { 0%    { box-shadow:0 0 0 0 rgba(201,162,39,0.5); }
                          70%   { box-shadow:0 0 0 14px rgba(201,162,39,0); }
                          100%  { box-shadow:0 0 0 0 rgba(201,162,39,0); } }
@keyframes marquee     { 0% { transform:translateX(0); } 100% { transform:translateX(-50%); } }
@keyframes pulse-wa    { 0%,100% { box-shadow:0 4px 20px rgba(37,211,102,0.4); }
                          50%    { box-shadow:0 4px 32px rgba(37,211,102,0.65); } }
@keyframes gradient-shift { 0%,100% { background-position:0% 50%; } 50% { background-position:100% 50%; } }
@keyframes popIn       { from { opacity:0; transform:scale(0.88) translateY(16px); } to { opacity:1; transform:scale(1) translateY(0); } }
@keyframes countUp     { from { transform:translateY(8px); opacity:0; } to { transform:translateY(0); opacity:1; } }
@keyframes borderGlow  { 0%,100% { border-color:rgba(201,162,39,0.3); } 50% { border-color:rgba(201,162,39,0.7); } }

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h1,h2,h3,h4,h5 { font-family: 'Poppins', sans-serif; line-height: 1.2; }
h1 { font-size: clamp(2.2rem, 5.5vw, 3.8rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.7rem, 3.8vw, 2.6rem); font-weight: 700; letter-spacing: -0.01em; }
h3 { font-size: clamp(1.15rem, 2.2vw, 1.45rem); font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
p  { font-size: 0.975rem; color: var(--text-lt); line-height: 1.75; }

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: 'Poppins', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-eyebrow::before {
  content: '';
  display: inline-block;
  width: 20px; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  border-radius: 2px;
  flex-shrink: 0;
}
.section-title { color: var(--navy); margin-bottom: 0.5rem; }
.section-subtitle { color: var(--text-lt); max-width: 640px; line-height: 1.6; }
.section-header { text-align: center; margin-bottom: 1.25rem; }
.section-header .section-subtitle { margin: 0 auto; }

/* ============================================================
   SIGNATURE ELEMENT: Gold Rule Accent
   ============================================================ */
.gold-rule {
  display: flex; align-items: center; gap: 0.75rem;
  margin-bottom: 0.5rem;
}
.gold-rule::before {
  content: '';
  display: block;
  width: 40px; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  border-radius: 3px;
  box-shadow: 0 0 8px var(--gold-glow);
}
.gold-rule-center {
  justify-content: center;
}
.gold-rule-center::after {
  content: '';
  display: block;
  width: 40px; height: 3px;
  background: linear-gradient(270deg, var(--gold), var(--gold-lt));
  border-radius: 3px;
  box-shadow: 0 0 8px var(--gold-glow);
}

/* ============================================================
   LAYOUT UTILITIES
   ============================================================ */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section { padding: 2rem 0; }
.section-alt { background: linear-gradient(180deg, #F8FAFF 0%, #F4F6FA 100%); }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-1 { gap: 1rem; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.text-center { text-align: center; }

/* ============================================================
   PREMIUM BUTTONS
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55rem;
  padding: 0.8rem 1.85rem;
  border-radius: var(--radius-lg);
  font-family: 'Poppins', sans-serif;
  font-size: 0.875rem; font-weight: 600;
  transition: all var(--transition);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
  letter-spacing: 0.01em;
}
.btn::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.12) 0%, transparent 60%);
  opacity: 0;
  transition: opacity var(--transition);
}
.btn:hover::after { opacity: 1; }
.btn-primary {
  background: linear-gradient(135deg, var(--green), var(--green-dk));
  color: var(--white);
  box-shadow: 0 4px 16px var(--green-glow);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px var(--green-glow); }
.btn-primary:active { transform: translateY(0); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.5);
  backdrop-filter: blur(8px);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); border-color: var(--white); transform: translateY(-2px); }
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 100%);
  color: var(--navy);
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 12px 40px rgba(201,162,39,0.45); }
.btn-navy {
  background: linear-gradient(135deg, var(--navy), var(--royal));
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.btn-navy:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-wa {
  background: linear-gradient(135deg, #25D366, #20b259);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(37,211,102,0.35);
}
.btn-wa:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(37,211,102,0.5); }
.btn-lg { padding: 1rem 2.4rem; font-size: 0.95rem; border-radius: var(--radius-xl); }
.btn-sm { padding: 0.5rem 1.25rem; font-size: 0.8rem; border-radius: var(--radius); }

/* ============================================================
   PREMIUM NAVIGATION
   ============================================================ */
#navbar {
  position: sticky; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--navy);
  transition: all 0.4s cubic-bezier(0.4,0,0.2,1);
}
#navbar.scrolled {
  background: rgba(9,24,40,0.92);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  box-shadow: 0 1px 0 rgba(201,162,39,0.12), 0 4px 24px rgba(0,0,0,0.3);
  border-bottom: 1px solid rgba(201,162,39,0.08);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.1rem 1.5rem;
  max-width: 1200px; margin: 0 auto;
}
.nav-brand {
  display: flex; align-items: center; gap: 0.75rem;
}
.nav-logo-box {
  width: 46px; height: 46px;
  background: none;
  border-radius: 0;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.nav-logo-box img {
  height: 45px;
  width: auto;
  object-fit: contain;
  display: block;
}
.nav-brand-text { line-height: 1.1; }
.nav-brand-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 1.1rem;
  color: var(--white);
  letter-spacing: -0.01em;
}
.nav-brand-sub {
  font-size: 0.64rem; color: var(--gold-lt); letter-spacing: 0.08em;
  text-transform: uppercase; opacity: 0.85;
}
.nav-links {
  display: flex; align-items: center; gap: 0.15rem;
}
.nav-links a {
  padding: 0.5rem 0.9rem;
  font-size: 0.82rem; font-weight: 500;
  color: rgba(255,255,255,0.8);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  letter-spacing: 0.01em;
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.1); }
.nav-links a.active { color: var(--gold-lt) !important; }
.nav-cta { display: flex; align-items: center; gap: 0.65rem; }
.nav-phone {
  font-family: 'Poppins', sans-serif;
  font-weight: 600; font-size: 0.82rem;
  color: var(--gold-lt);
  display: flex; align-items: center; gap: 0.35rem;
}
.hamburger {
  display: none;
  flex-direction: column; gap: 5px;
  background: none; padding: 0.4rem;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: all 0.3s;
}
.mobile-menu {
  display: none;
  position: fixed; inset: 0; z-index: 999;
  background: linear-gradient(160deg, var(--navy) 0%, var(--royal) 100%);
  flex-direction: column;
  padding: 5rem 2rem 2rem;
  gap: 0.5rem;
  overflow-y: auto;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: var(--white); font-size: 1rem; font-weight: 500;
  padding: 0.9rem 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color var(--transition), padding-left var(--transition);
}
.mobile-menu a:hover { color: var(--gold-lt); padding-left: 1.4rem; }
.mobile-menu-close {
  position: absolute; top: 1.25rem; right: 1.25rem;
  background: none; color: var(--white); font-size: 1.75rem;
  line-height: 1;
}

/* ============================================================
   PREMIUM HERO
   ============================================================ */
#hero {
  min-height: 350px;
  background:
    linear-gradient(90deg, rgba(9, 24, 40, 0.95) 0%, rgba(11, 31, 58, 0.75) 45%, rgba(11, 31, 58, 0.1) 100%),
    url('images/hero-office-bg.webp') center/100% 100% no-repeat;
  display: flex; align-items: flex-start;
  padding: 4.5rem 0 1.75rem;
}
#hero .container { width: 95%; max-width: 1400px; }
/* Animated dot grid */
#hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle, rgba(201,162,39,0.18) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(to bottom right, transparent 20%, rgba(0,0,0,0.6) 60%, transparent 90%);
  -webkit-mask-image: linear-gradient(to bottom right, transparent 20%, rgba(0,0,0,0.6) 60%, transparent 90%);
  animation: shimmer 6s ease-in-out infinite;
}
/* Gold gradient edge accent */
#hero::after {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 3px; height: 100%;
  background: linear-gradient(to bottom, transparent, var(--gold), transparent);
  opacity: 0.4;
}
.hero-accent {
  position: absolute;
  top: -120px; right: -80px;
  width: 620px; height: 620px;
  border: 1px solid rgba(201,162,39,0.1);
  border-radius: 50%;
  animation: rotateSlow 60s linear infinite;
  pointer-events: none;
}
.hero-accent::before {
  content: '';
  position: absolute; inset: 40px;
  border: 1px solid rgba(201,162,39,0.06);
  border-radius: 50%;
}
.hero-accent::after {
  content: '';
  position: absolute; inset: 100px;
  border: 1px solid rgba(201,162,39,0.04);
  border-radius: 50%;
}
.hero-diagonal {
  position: absolute;
  top: 30%; right: 8%;
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(26,77,143,0.25) 0%, transparent 70%);
  border-radius: 50%;
  filter: blur(40px);
  animation: floatY 8s ease-in-out infinite;
  pointer-events: none;
}
.hero-content { position: relative; z-index: 2; }
@media (min-width: 992px) { .hero-content { margin-left: -1.5rem; } }
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: linear-gradient(90deg, rgba(201,162,39,0.15) 0%, rgba(201,162,39,0.05) 100%);
  border: 1px solid rgba(201,162,39,0.3);
  box-shadow: inset 0 0 10px rgba(201,162,39,0.1), 0 4px 15px rgba(0,0,0,0.2);
  padding: 0.6rem 1.4rem;
  border-radius: 50px;
  font-size: 0.75rem; font-weight: 700;
  color: var(--gold-lt);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.hero-badge-dot {
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--gold);
  animation: shimmer 2s ease-in-out infinite;
}
.hero-title { color: var(--white); margin-bottom: 0.75rem; line-height: 1.12; }
.hero-title em {
  font-style: normal;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-lt) 50%, #F5D67A 100%);
  background-size: 200% auto;
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: gradient-shift 4s ease infinite;
}
.hero-sub { font-size: 1rem; color: rgba(255,255,255,0.72); max-width: 560px; margin-bottom: 1.5rem; line-height: 1.6; }
.hero-ctabar { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-bottom: 0.85rem; }
.hero-features {
  display: grid; grid-template-columns: repeat(2, auto);
  gap: 0.65rem 2rem;
  margin-bottom: 3rem;
}
.hero-feat {

  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.85rem; color: rgba(255,255,255,0.8); font-weight: 500;
}
.hero-feat::before {
  content: '✓';
  width: 20px; height: 20px;
  background: rgba(0,166,81,0.2);
  border: 1px solid rgba(0,166,81,0.4);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.65rem; font-weight: 700; color: #4ade80;
  flex-shrink: 0;
}
.hero-services-bar {
  display: none;
}
.hero-tag {
  padding: 0.35rem 0.9rem;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 50px;
  font-size: 0.74rem; color: rgba(255,255,255,0.65); font-weight: 500;
  transition: all var(--transition);
}
.hero-tag:hover { background: rgba(201,162,39,0.12); border-color: rgba(201,162,39,0.3); color: var(--gold-lt); }
.hero-right { position: relative; z-index: 2; }
.hero-card {
  background: rgba(9, 24, 40, 0.65);
  backdrop-filter: blur(12px) saturate(160%);
  -webkit-backdrop-filter: blur(12px) saturate(160%);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-xl);
  padding: 1rem;
  max-width: 370px;
  margin-left: auto;
  box-shadow: 0 32px 64px rgba(0,0,0,0.35), inset 0 1px 0 rgba(255,255,255,0.08);
  position: relative;
  overflow: hidden;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,162,39,0.5), transparent);
}
.hero-card-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 1.15rem;
  color: var(--white); margin-bottom: 0.3rem;
  letter-spacing: -0.01em;
}
.hero-card-sub { font-size: 0.75rem; color: rgba(255,255,255,0.55); margin-bottom: 0.6rem; }
.hc-field { margin-bottom: 0.65rem; }
.hc-field label { display: block; font-size: 0.65rem; font-weight: 600; color: rgba(255,255,255,0.65); margin-bottom: 0.2rem; letter-spacing: 0.03em; text-transform: uppercase; }
.hc-field input, .hc-field select {
  width: 100%;
  padding: 0.5rem 0.75rem;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  color: var(--white);
  font-size: 0.8rem; font-family: 'Inter', sans-serif;
  transition: border-color var(--transition), background var(--transition);
}
.hc-field input:focus, .hc-field select:focus {
  outline: none;
  border-color: rgba(201,162,39,0.4);
  background: rgba(255,255,255,0.1);
}
.hc-field input::placeholder { color: rgba(255,255,255,0.35); }
.hc-field select { color: rgba(255,255,255,0.8); }
.hc-field select option { background: var(--navy); color: var(--white); }
.hero-card .btn { width: 100%; margin-top: 0.25rem; padding: 0.6rem 1rem; }
.hc-disc { font-size: 0.6rem; color: rgba(255,255,255,0.35); margin-top: 0.5rem; text-align: center; line-height: 1.4; }

/* ============================================================
   PREMIUM TRUST BAR
   ============================================================ */
#trust-bar { background: var(--navy); padding: 0; }
#trust-bar::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 100% at 50% 0%, rgba(201,162,39,0.05) 0%, transparent 70%);
}
.trust-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 0; text-align: center;
  position: relative; z-index: 1;
}
.trust-item {
  padding: 0.5rem 1rem;
  position: relative;
  transition: background var(--transition);
}
.trust-item:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 25%; right: 0;
  width: 1px; height: 50%;
  background: linear-gradient(to bottom, transparent, rgba(201,162,39,0.2), transparent);
}
.trust-item:hover { background: rgba(201,162,39,0.04); }
.trust-num {
  font-family: 'Poppins', sans-serif;
  font-size: 2rem; font-weight: 800;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 50%, #F0D070 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1; margin-bottom: 0.1rem;
  letter-spacing: -0.02em;
  display: block;
}
.trust-label {
  font-size: 0.78rem; color: rgba(255,255,255,0.55);
  font-weight: 500; letter-spacing: 0.04em;
  text-transform: uppercase;
}
.trust-divider {
  display: none;
}

/* ============================================================
   PREMIUM WHY BAR (inline ticker)
   ============================================================ */
#why-bar { padding: 0; margin: 0; }
.why-bar-inner {
  display: flex; gap: 3rem;
  animation: marquee 35s linear infinite;
  width: max-content;
}
.why-item {
  display: flex; align-items: center; gap: 0.65rem;
  white-space: nowrap;
  font-size: 0.8rem; color: rgba(255,255,255,0.8); font-weight: 500;
  letter-spacing: 0.02em;
}
.why-item .dot {
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
  box-shadow: 0 0 6px var(--gold-glow);
}

/* ============================================================
   PREMIUM SERVICES
   ============================================================ */
.service-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
}
.service-card {
  background: var(--white);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-xl);
  padding: 2rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  cursor: pointer;
}
.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-lt) 50%, var(--green) 100%);
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}
.service-card::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(9,24,40,0) 0%, rgba(9,24,40,0.015) 100%);
  opacity: 0;
  transition: opacity var(--transition);
  pointer-events: none;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(201,162,39,0.15);
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover::after { opacity: 1; }
.svc-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, #F8FAFF 0%, #EEF2FF 100%);
  border: 1px solid var(--gray-md);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
  box-shadow: var(--shadow-xs);
}
.service-card:hover .svc-icon {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  border-color: rgba(201,162,39,0.3);
  box-shadow: 0 4px 20px rgba(9,24,40,0.2), 0 0 0 2px rgba(201,162,39,0.1);
}
.svc-title { color: var(--navy); margin-bottom: 0.5rem; font-size: 1rem; }
.svc-desc { font-size: 0.83rem; margin-bottom: 1rem; }
.svc-benefits { margin-bottom: 1rem; }
.svc-benefits li {
  font-size: 0.78rem; color: var(--text-lt);
  padding: 0.2rem 0;
  display: flex; align-items: center; gap: 0.4rem;
}
.svc-benefits li::before { content: '→'; color: var(--gold); font-size: 0.7rem; }
.svc-link {
  font-size: 0.8rem; font-weight: 600;
  color: var(--royal);
  display: flex; align-items: center; gap: 0.3rem;
}
.svc-link:hover { color: var(--green); }

/* ============================================================
   PREMIUM WHY CHOOSE US
   ============================================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.25rem;
}
.why-card {
  background: var(--white);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-lg);
  padding: 1.6rem;
  display: flex; gap: 1rem; align-items: flex-start;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.why-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--navy), var(--royal-lt));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}
.why-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: rgba(201,162,39,0.15); }
.why-card:hover::before { transform: scaleX(1); }
.why-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal-lt) 100%);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem;
  box-shadow: 0 4px 16px rgba(9,24,40,0.2);
}
.why-text h4 { font-size: 1.1rem; color: var(--navy); margin-bottom: 0.3rem; }
.why-text p { font-size: 0.95rem; line-height: 1.65; }

/* ============================================================
   PREMIUM PROCESS
   ============================================================ */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 36px; left: 16.66%; right: 16.66%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt), var(--gold));
  z-index: 0;
  opacity: 0.5;
}
.process-step {
  position: relative; z-index: 1;
  text-align: center; padding: 0 1.25rem 2.5rem;
}
.process-step:last-child { padding-bottom: 0; }
.ps-num {
  width: 72px; height: 72px;
  background: var(--white);
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-size: 1.1rem; font-weight: 800;
  color: var(--navy);
  margin: 0 auto 1.5rem;
  position: relative;
  box-shadow: 0 0 0 6px rgba(201,162,39,0.08), var(--shadow-md);
  transition: all var(--transition);
}
.process-step:hover .ps-num {
  background: linear-gradient(135deg, var(--gold), var(--gold-lt));
  color: var(--navy);
  box-shadow: 0 0 0 8px rgba(201,162,39,0.12), var(--shadow-gold);
  transform: scale(1.05);
}
.ps-icon {
  font-size: 1.6rem;
  margin-bottom: 0.85rem;
}
.ps-title { font-size: 0.97rem; color: var(--navy); font-weight: 700; margin-bottom: 0.45rem; }
.ps-desc { font-size: 0.8rem; color: var(--text-lt); line-height: 1.7; }

/* ============================================================
   EMI CALCULATOR
   ============================================================ */
#emi-calc { background: var(--navy); }
#emi-calc .section-eyebrow { color: var(--gold-lt); }
#emi-calc .section-title { color: var(--white); }
#emi-calc .section-subtitle { color: rgba(255,255,255,0.6); }
.emi-wrapper {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  max-width: 760px; margin: 0 auto;
}
.emi-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1.5rem; margin-bottom: 1.5rem; }
.emi-field label {
  display: block; font-size: 0.78rem; font-weight: 600;
  color: rgba(255,255,255,0.65); margin-bottom: 0.5rem;
}
.emi-field input[type=range] {
  width: 100%; accent-color: var(--gold);
  height: 4px; cursor: pointer;
}
.emi-val {
  display: block; text-align: right;
  font-family: 'Poppins', sans-serif;
  font-size: 1.1rem; font-weight: 700; color: var(--gold);
  margin-top: 0.35rem;
}
.emi-results {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
}
.emi-result-box {
  text-align: center;
  background: rgba(255,255,255,0.04);
  border-radius: var(--radius);
  padding: 1.25rem;
}
.emi-result-label { font-size: 0.75rem; color: rgba(255,255,255,0.5); margin-bottom: 0.4rem; text-transform: uppercase; letter-spacing: 0.06em; }
.emi-result-val {
  font-family: 'Poppins', sans-serif;
  font-size: 1.4rem; font-weight: 800; color: var(--white);
}
.emi-result-val.highlight { color: var(--gold); }
.emi-disc { font-size: 0.7rem; color: rgba(255,255,255,0.3); text-align: center; margin-top: 1rem; }

/* ============================================================
   ELIGIBILITY CHECKER
   ============================================================ */
.elig-form {
  background: var(--white);
  border: 1px solid var(--gray-md);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  max-width: 800px; margin: 0 auto;
}
.elig-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.form-field label {
  display: block; font-size: 0.78rem; font-weight: 600;
  color: var(--navy); margin-bottom: 0.4rem;
}
.form-field input, .form-field select {
  width: 100%;
  padding: 0.7rem 1rem;
  border: 1.5px solid var(--gray-md);
  border-radius: var(--radius);
  font-size: 0.875rem; font-family: 'Inter', sans-serif;
  color: var(--text);
  transition: border-color var(--transition);
}
.form-field input:focus, .form-field select:focus {
  outline: none; border-color: var(--royal);
}
.form-field.full { grid-column: 1 / -1; }
.form-footer { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 1.5rem; }
.form-disc { font-size: 0.72rem; color: var(--gray-dk); max-width: 380px; }

/* ============================================================
   LOAN TYPES STRIP
   ============================================================ */
.loan-strips { display: flex; flex-direction: column; gap: 1px; }
.loan-strip {
  display: grid; grid-template-columns: 56px 1fr auto;
  align-items: center; gap: 1.25rem;
  padding: 1.25rem 1.5rem;
  background: var(--white);
  border: 1px solid var(--gray-md);
  border-radius: var(--radius);
  transition: all var(--transition);
  cursor: pointer;
}
.loan-strip:hover { background: var(--gray-lt); transform: translateX(4px); border-color: var(--gold); }
.ls-icon {
  width: 48px; height: 48px;
  background: var(--gray-lt);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
}
.ls-title { font-weight: 600; color: var(--navy); font-size: 0.95rem; margin-bottom: 0.2rem; }
.ls-desc { font-size: 0.8rem; color: var(--text-lt); }
.ls-arrow { color: var(--gold); font-size: 1.1rem; font-weight: 700; }

/* ============================================================
   DOCUMENTS
   ============================================================ */
.doc-tabs { display: flex; gap: 0.5rem; margin-bottom: 2rem; flex-wrap: wrap; }
.doc-tab {
  padding: 0.6rem 1.25rem;
  border: 1.5px solid var(--gray-md);
  border-radius: 50px;
  font-size: 0.83rem; font-weight: 600;
  color: var(--text-lt);
  background: var(--white);
  cursor: pointer;
  transition: all var(--transition);
}
.doc-tab.active {
  background: var(--navy); color: var(--white); border-color: var(--navy);
}
.doc-panel { display: none; }
.doc-panel.active { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 1rem; }
.doc-item {
  display: flex; align-items: center; gap: 0.75rem;
  padding: 1rem 1.25rem;
  background: var(--white);
  border: 1px solid var(--gray-md);
  border-radius: var(--radius);
}
.doc-check {
  width: 28px; height: 28px; flex-shrink: 0;
  background: rgba(0,166,81,0.1);
  border: 1.5px solid rgba(0,166,81,0.3);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem; color: var(--green); font-weight: 700;
}
.doc-name { font-size: 0.85rem; font-weight: 500; color: var(--navy); }

/* ============================================================
   PREMIUM TESTIMONIALS
   ============================================================ */
.testimonial-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-xl);
  padding: 2rem;
  position: relative;
  transition: all var(--transition);
  overflow: hidden;
}
.testimonial-card::before {
  content: '\201C';
  position: absolute; top: 1.25rem; right: 1.5rem;
  font-family: Georgia, serif;
  font-size: 4rem; line-height: 1;
  color: var(--gold); opacity: 0.2;
  transition: opacity var(--transition);
}
.testimonial-card:hover {
  box-shadow: var(--shadow-xl);
  border-color: rgba(201,162,39,0.15);
  transform: translateY(-4px);
}
.testimonial-card:hover::before { opacity: 0.35; }
.tc-stars { color: #F59E0B; font-size: 0.82rem; margin-bottom: 0.85rem; letter-spacing: 0.08em; }
.tc-text { font-size: 0.85rem; color: var(--text-lt); line-height: 1.8; margin-bottom: 1.5rem; font-style: italic; }
.tc-author { display: flex; align-items: center; gap: 0.85rem; }
.tc-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal-lt) 100%);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 0.88rem; color: var(--gold-lt);
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(9,24,40,0.2);
}
.tc-name { font-weight: 700; font-size: 0.88rem; color: var(--navy); }
.tc-role { font-size: 0.72rem; color: var(--text-muted); }

/* ============================================================
   PREMIUM FAQ
   ============================================================ */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-lg);
  margin-bottom: 0.85rem;
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.faq-item:hover { border-color: rgba(201,162,39,0.2); box-shadow: var(--shadow-sm); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.2rem 1.5rem;
  cursor: pointer;
  background: var(--white);
  font-weight: 600; font-size: 0.93rem; color: var(--navy);
  gap: 1rem;
  transition: background var(--transition);
  letter-spacing: -0.005em;
}
.faq-q:hover { background: #FAFBFF; }
.faq-q.open {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  color: var(--white);
}
.faq-icon {
  width: 28px; height: 28px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 400;
  line-height: 1; flex-shrink: 0;
  border-radius: 50%;
  background: rgba(9,24,40,0.06);
  transition: all 0.3s;
}
.faq-q.open .faq-icon {
  transform: rotate(45deg);
  color: var(--gold-lt);
  background: rgba(201,162,39,0.15);
}
.faq-a {
  display: none;
  padding: 1.1rem 1.5rem;
  font-size: 0.875rem; color: var(--text-lt);
  line-height: 1.8;
  background: linear-gradient(180deg, #F8FAFF 0%, var(--gray-lt) 100%);
  border-top: 1px solid rgba(226,232,240,0.6);
}

/* ============================================================
   LOCAL SEO
   ============================================================ */
.seo-block {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: rgba(255,255,255,0.75);
}
.seo-block h3 { color: var(--white); margin-bottom: 1rem; }
.seo-block p { font-size: 0.87rem; margin-bottom: 1rem; }
.seo-keywords { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.25rem; }
.seo-kw {
  padding: 0.35rem 0.85rem;
  background: rgba(212,175,55,0.1);
  border: 1px solid rgba(212,175,55,0.25);
  border-radius: 50px;
  font-size: 0.75rem; color: var(--gold-lt); font-weight: 500;
}

/* ============================================================
   BLOG PREVIEW
   ============================================================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-md);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.blog-img {
  height: 160px;
  background: linear-gradient(135deg, var(--navy), var(--royal));
  display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem;
}
.blog-body { padding: 1.25rem; }
.blog-tag {
  display: inline-block;
  padding: 0.25rem 0.65rem;
  background: rgba(18,62,122,0.08);
  border-radius: 50px;
  font-size: 0.7rem; font-weight: 600; color: var(--royal);
  text-transform: uppercase; letter-spacing: 0.05em;
  margin-bottom: 0.6rem;
}
.blog-title { font-size: 0.93rem; color: var(--navy); font-weight: 600; line-height: 1.4; margin-bottom: 0.5rem; }
.blog-meta { font-size: 0.75rem; color: var(--gray-dk); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 3rem; align-items: start; }
.contact-info { }
.contact-item {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.25rem;
  background: var(--gray-lt);
  border-radius: var(--radius);
  margin-bottom: 0.5rem;
}
.ci-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), var(--royal));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.ci-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-dk); font-weight: 600; margin-bottom: 0.2rem; }
.ci-val { font-weight: 600; color: var(--navy); font-size: 0.93rem; }
.contact-form {
  background: var(--white);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-xl);
  padding: 1.25rem;
  box-shadow: var(--shadow-lg);
}
.cf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.cf-field { margin-bottom: 1rem; }
.cf-field.full { grid-column: 1 / -1; }
.cf-field label { display: block; font-size: 0.78rem; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.cf-field input, .cf-field select, .cf-field textarea {
  width: 100%;
  padding: 0.7rem 1rem;
  border: 1.5px solid var(--gray-md);
  border-radius: var(--radius);
  font-size: 0.875rem; font-family: 'Inter', sans-serif;
  color: var(--text);
  transition: border-color var(--transition);
}
.cf-field textarea { resize: vertical; min-height: 100px; }
.cf-field input:focus, .cf-field select:focus, .cf-field textarea:focus {
  outline: none; border-color: var(--royal);
}
.map-placeholder {
  height: 280px;
  background: var(--gray-lt);
  border: 1px solid var(--gray-md);
  border-radius: var(--radius);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 0.5rem; color: var(--gray-dk);
  font-size: 0.85rem; text-align: center;
  margin-top: 1.25rem;
}
.map-placeholder .map-icon { font-size: 2.5rem; }

/* ============================================================
   DISCLAIMER BANNER
   ============================================================ */
.disclaimer-banner {
  background: rgba(212,175,55,0.08);
  border: 1px solid rgba(212,175,55,0.25);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: 0.78rem; color: var(--text-lt);
  display: flex; gap: 0.6rem; align-items: flex-start;
  margin-top: 2rem;
}
.disclaimer-banner .disc-icon { flex-shrink: 0; margin-top: 0.1rem; color: var(--gold); }

/* ============================================================
   PREMIUM FOOTER
   ============================================================ */
footer {
  background: linear-gradient(180deg, #091828 0%, #060f1a 100%);
  border-top: 1px solid rgba(201,162,39,0.12);
  position: relative;
  overflow: hidden;
}
footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,162,39,0.4), transparent);
}
.footer-main {
  padding: 3.5rem 0 2.5rem;
  display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 2.5rem;
}
.footer-brand {}
.footer-logo {
  display: flex; align-items: center; gap: 0.75rem;
  margin-bottom: 0.5rem;
}
.footer-logo-box {
  width: 40px; height: 40px;
  background: none;
  border-radius: 0;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.footer-logo-box img {
  height: 38px;
  width: auto;
  object-fit: contain;
  display: block;
}
.footer-brand-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 1.05rem; color: var(--white);
}
.footer-brand-sub { font-size: 0.65rem; color: var(--gold); text-transform: uppercase; letter-spacing: 0.07em; }
.footer-desc { font-size: 0.82rem; color: rgba(255,255,255,0.5); line-height: 1.7; margin-bottom: 1.25rem; }
.footer-social { display: flex; gap: 0.6rem; }
.fsocial {
  width: 34px; height: 34px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; color: rgba(255,255,255,0.6);
  transition: all var(--transition);
}
.fsocial:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.footer-col h5 {
  font-size: 0.8rem; font-weight: 700;
  color: var(--gold);
  text-transform: uppercase; letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
}
.footer-col ul li { margin-bottom: 0.45rem; }
.footer-col ul li a {
  font-size: 0.82rem; color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 1.25rem 0;
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1rem;
}
.footer-copy { font-size: 0.75rem; color: rgba(255,255,255,0.35); }
.footer-legal { display: flex; gap: 1.25rem; }
.footer-legal a { font-size: 0.75rem; color: rgba(255,255,255,0.35); }
.footer-legal a:hover { color: var(--gold); }

/* ============================================================
   FLOATING ELEMENTS
   ============================================================ */
/* Premium Floating Action Buttons */
.floating-actions {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  z-index: 1000;
}
.float-btn {
  width: 55px;
  height: 55px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  text-decoration: none;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
}
.float-btn::before {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 20px;
  z-index: -1;
  opacity: 0;
  transition: opacity 0.3s ease;
}
.float-wa {
  background: linear-gradient(135deg, #25D366, #1da851);
  color: #fff;
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.3);
}
.float-wa::before {
  background: rgba(37, 211, 102, 0.2);
}
.float-call {
  background: linear-gradient(135deg, #103868, #0a2442);
  color: #E2C05A;
  box-shadow: 0 8px 24px rgba(16, 56, 104, 0.3);
}
.float-call::before {
  background: rgba(16, 56, 104, 0.2);
}
.float-btn:hover {
  transform: translateY(-4px) scale(1.05);
}
.float-btn:hover::before {
  opacity: 1;
  animation: pulse-ring 1.5s cubic-bezier(0.16, 1, 0.3, 1) infinite;
}
@keyframes pulse-ring {
  0% { transform: scale(0.9); opacity: 1; }
  100% { transform: scale(1.3); opacity: 0; }
}
/* Pop-up Tooltip */
.float-btn::after {
  content: attr(title);
  position: absolute;
  right: 100%;
  margin-right: 15px;
  background: #fff;
  color: #091828;
  padding: 6px 14px;
  border-radius: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transform: translateX(10px);
  transition: all 0.3s ease;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}
.float-btn:hover::after {
  opacity: 1;
  transform: translateX(0);
}

/* ============================================================
   POPUP LEAD FORM
   ============================================================ */
.popup-overlay {
  position: fixed; inset: 0; z-index: 2000;
  background: rgba(0,0,0,0.55);
  display: none; align-items: center; justify-content: center;
  padding: 1.25rem;
}
.popup-overlay.open { display: flex; }
.popup-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  max-width: 440px; width: 100%;
  position: relative;
  animation: popIn 0.3s ease;
}
@keyframes popIn { from { opacity: 0; transform: scale(0.92); } to { opacity: 1; transform: scale(1); } }
.popup-close {
  position: absolute; top: 1rem; right: 1rem;
  font-size: 1.4rem; color: var(--gray-dk);
  background: none;
  line-height: 1;
}
.popup-badge {
  display: inline-block;
  background: rgba(212,175,55,0.12);
  border: 1px solid rgba(212,175,55,0.3);
  padding: 0.35rem 0.85rem;
  border-radius: 50px;
  font-size: 0.72rem; font-weight: 600; color: var(--gold);
  text-transform: uppercase; letter-spacing: 0.06em;
  margin-bottom: 0.75rem;
}
.popup-title { font-size: 1.3rem; color: var(--navy); margin-bottom: 0.25rem; }
.popup-sub { font-size: 0.82rem; color: var(--text-lt); margin-bottom: 1.25rem; }
.popup-field { margin-bottom: 0.85rem; }
.popup-field input, .popup-field select {
  width: 100%;
  padding: 0.7rem 1rem;
  border: 1.5px solid var(--gray-md);
  border-radius: var(--radius);
  font-size: 0.875rem; font-family: 'Inter', sans-serif;
  color: var(--text);
}
.popup-field input:focus, .popup-field select:focus { outline: none; border-color: var(--royal); }
.popup-disc { font-size: 0.69rem; color: var(--gray-dk); margin-top: 0.75rem; text-align: center; }

/* ============================================================
   PREMIUM CTA BAND
   ============================================================ */
.cta-band {
  background:
    radial-gradient(ellipse 70% 80% at 50% 0%, rgba(26,77,143,0.6) 0%, transparent 70%),
    linear-gradient(160deg, #091828 0%, #0E2540 40%, #103868 70%, #091828 100%);
  position: relative; overflow: hidden;
  padding: 3rem 0;
}
.cta-band::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(201,162,39,0.12) 1px, transparent 1px);
  background-size: 40px 40px;
  mask-image: radial-gradient(ellipse 80% 60% at 50% 50%, rgba(0,0,0,0.7) 0%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 50%, rgba(0,0,0,0.7) 0%, transparent 100%);
}
.cta-band::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0.5;
}
.cta-band .container { position: relative; z-index: 1; text-align: center; }
.cta-band h2 { color: var(--white); margin-bottom: 0.85rem; letter-spacing: -0.02em; }
.cta-band p { color: rgba(255,255,255,0.65); max-width: 520px; margin: 0 auto 2.25rem; line-height: 1.8; }
.cta-band-btns { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.9rem; }

/* ============================================================
   COMPLIANCE NOTICE
   ============================================================ */
.compliance-note {
  background: var(--gray-lt);
  border-left: 3px solid var(--gold);
  padding: 0.85rem 1.25rem;
  font-size: 0.78rem; color: var(--text-lt);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-top: 1.5rem;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .footer-main { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid::before { display: none; }
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .section { padding: 1.5rem 0; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.55rem; }
  #hero { padding: 3.5rem 0 1.5rem; }
  .hero-right { display: none; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-divider { display: none; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .emi-row { grid-template-columns: 1fr; }
  .emi-results { grid-template-columns: 1fr; gap: 0.75rem; }
  .elig-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .cf-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero-features { grid-template-columns: 1fr; }
  .hero-ctabar { flex-direction: column; }
  .hero-ctabar .btn { width: 100%; }
  .emi-wrapper { padding: 1.5rem; }
  .elig-form, .contact-form { padding: 1.5rem; }
}
@media (max-width: 480px) {
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .doc-panel.active { grid-template-columns: 1fr; }
  .service-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
}


/* ============================================================
   PAGE BANNER / HERO HEADER (Inner Pages)
   ============================================================ */
.page-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  position: relative;
  overflow: hidden;
  min-height: 300px;
}
.page-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Ccircle cx='20' cy='20' r='1' fill='rgba(212%2C175%2C55%2C0.12)'/%3E%3C/svg%3E") repeat;
  background-size: 40px;
  pointer-events: none;
  z-index: 0;
}
.page-banner > .container {
  position: relative;
  z-index: 2;
  min-height: 300px;
  display: flex;
  align-items: center;
}
.pb-text {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 5rem 0 3rem;
  max-width: 600px;
  position: relative;
  z-index: 3;
  flex: 1;
}
.pb-visual {
  position: relative;
  width: 460px;
  flex-shrink: 0;
  pointer-events: none;
  z-index: 1;
}
.pb-visual svg { display: block; width: 100%; height: 300px; }
.page-banner h1 {
  color: #fff;
  margin-bottom: 0.65rem;
  font-size: clamp(1.6rem, 3.2vw, 2.4rem);
  font-weight: 800;
  line-height: 1.2;
}
.page-banner p.pb-sub {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.97rem;
  margin-bottom: 1.15rem;
  line-height: 1.7;
  max-width: 500px;
}
.pb-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 0.85rem;
}
.pb-icon svg { width: 52px; height: 52px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 0.9rem;
  flex-wrap: wrap;
}
.breadcrumb a { color: rgba(255, 255, 255, 0.6); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255, 255, 255, 0.3); }

/* ============================================================
   NAVBAR - ALWAYS SOLID (Inner Pages)
   ============================================================ */
#navbar {
  background: var(--navy) !important;
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.25) !important;
}

/* ============================================================
   NAVBAR DROPDOWN (correct class)
   ============================================================ */
.nav-dropdown { position: relative; }
.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 0.4rem);
  left: 0;
  background: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  min-width: 210px;
  padding: 0.4rem 0;
  box-shadow: 0 8px 40px rgba(11, 31, 58, 0.3);
  z-index: 1001;
}
.nav-dropdown:hover .nav-dropdown-menu { display: block; }
.nav-dropdown-menu a {
  display: block;
  padding: 0.55rem 1.1rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.78);
  transition: all var(--transition);
}
.nav-dropdown-menu a:hover {
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
  padding-left: 1.4rem;
}
.nav-links a.active { color: var(--gold) !important; }

/* ============================================================
   BLOG ARTICLE PROSE TYPOGRAPHY
   ============================================================ */
.prose { max-width: 760px; margin: 0 auto; }
.prose h2 {
  color: var(--navy);
  margin: 2.5rem 0 1rem;
  font-size: 1.55rem;
  font-weight: 700;
  border-bottom: 2px solid var(--gray-md);
  padding-bottom: 0.5rem;
}
.prose h3 {
  color: var(--navy);
  margin: 1.75rem 0 0.75rem;
  font-size: 1.15rem;
  font-weight: 600;
}
.prose p { margin-bottom: 1.1rem; color: var(--text-lt); line-height: 1.8; }
.prose ul, .prose ol {
  padding-left: 1.5rem;
  margin-bottom: 1.1rem;
  color: var(--text-lt);
}
.prose li { margin-bottom: 0.5rem; }
.prose strong { color: var(--navy); }
.compliance-note {
  background: rgba(212, 175, 55, 0.08);
  border-left: 4px solid var(--gold);
  padding: 1rem 1.25rem;
  font-size: 0.85rem;
  color: var(--text-lt);
  border-radius: 0 8px 8px 0;
  margin: 2rem 0;
  line-height: 1.7;
}

/* ============================================================
   BLOG GRID & CARDS (standardised)
   ============================================================ */
.blog-card {
  display: block;
  color: inherit;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: all var(--transition);
  border: 1px solid var(--gray-md);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: 0 8px 32px rgba(11,31,58,0.14); }
.blog-img { overflow: hidden; background: var(--navy); }
.blog-img svg, .blog-img img { display: block; width: 100%; }
.blog-body { padding: 1.25rem; }
.blog-tag {
  display: inline-block;
  background: rgba(212, 175, 55, 0.1);
  border: 1px solid rgba(212, 175, 55, 0.3);
  color: var(--gold);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  padding: 0.25rem 0.65rem;
  border-radius: 50px;
  margin-bottom: 0.65rem;
}
.blog-title {
  font-size: 0.93rem;
  color: var(--navy);
  font-weight: 600;
  line-height: 1.45;
  margin-bottom: 0.5rem;
}
.blog-meta { font-size: 0.75rem; color: var(--gray-dk); }

/* ============================================================
   RESPONSIVE - Page Banner
   ============================================================ */
@media (max-width: 1024px) {
  
  .pb-text { padding: 5rem 0 2.5rem; max-width: 100%; }
  
}
@media (max-width: 768px) {
  .page-banner h1 { font-size: 1.75rem; }
  .pb-text { padding: 4.5rem 0 2rem; }
}

/* ============================================================
   RESTORED BLOG PREVIEW CSS (Fixing user's corrupted original)
   ============================================================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-md);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.blog-img {
  height: 160px;
  background: linear-gradient(135deg, var(--navy), var(--royal));
  display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem;
}
.blog-body { padding: 1.25rem; }
.blog-tag {
  display: inline-block;
  padding: 0.25rem 0.65rem;
  background: rgba(18,62,122,0.08);
  border-radius: 50px;
  font-size: 0.7rem; font-weight: 600; color: var(--royal);
  text-transform: uppercase; letter-spacing: 0.05em;
  margin-bottom: 0.6rem;
}
.blog-title, .blog-ttl { font-size: 0.93rem; color: var(--navy); font-weight: 600; line-height: 1.4; margin-bottom: 0.5rem; }
.blog-meta, .blog-met { font-size: 0.75rem; color: var(--gray-dk); }


/* ============================================================
   BLOG GRID RESTORE
   ============================================================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2rem; }
.blog-card { background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: 0 4px 6px rgba(0,0,0,.05); transition: var(--transition); border: 1px solid rgba(0,0,0,.05); display: flex; flex-direction: column; }
.blog-card:hover { transform: translateY(-5px); box-shadow: 0 12px 24px rgba(0,0,0,.1); }
.blog-card-img { width: 100%; height: 200px; object-fit: cover; }
.blog-card-content { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; }
.blog-category { display: inline-block; padding: 0.25rem 0.75rem; background: rgba(212,175,55,.1); color: var(--gold); border-radius: 100px; font-size: 0.85rem; font-weight: 600; margin-bottom: 1rem; align-self: flex-start; }
.blog-card-title { font-size: 1.25rem; font-weight: 700; color: var(--navy); margin-bottom: 0.75rem; line-height: 1.4; }
.blog-card-excerpt { color: var(--text-light); font-size: 0.95rem; line-height: 1.6; margin-bottom: 1.5rem; flex: 1; }
.blog-card-footer { display: flex; justify-content: space-between; align-items: center; margin-top: auto; padding-top: 1rem; border-top: 1px solid rgba(0,0,0,.05); }
.blog-date { color: var(--text-light); font-size: 0.85rem; display: flex; align-items: center; gap: 0.5rem; }
.blog-read-more { color: var(--gold); font-weight: 600; font-size: 0.9rem; display: flex; align-items: center; gap: 0.25rem; transition: var(--transition); }
.blog-read-more:hover { color: var(--navy); }
@media (max-width: 992px) { .blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 768px) { .blog-grid { grid-template-columns: 1fr; } }

/* ============================================================
   BANNER PARAGRAPH VISIBILITY
   ============================================================ */
.page-banner p, .pb-text p {
    color: rgba(255, 255, 255, 0.95) !important;
    font-size: 1.15rem !important;
    font-weight: 400 !important;
    text-shadow: 0 1px 3px rgba(0,0,0,0.3) !important;
    max-width: 600px;
}

/* ============================================================
   LOGO IMAGE FIX
   ============================================================ */
.nav-logo-img {
    height: 45px !important;
    width: auto !important;
    object-fit: contain !important;
    display: block !important;
}
.nav-brand {
    display: flex !important;
    align-items: center !important;
    gap: 0.75rem !important;
}

/* ============================================================
   COMPRESSION OVERRIDE — Maximum density layout
   ============================================================ */
.section { padding: 1.5rem 0 !important; }
.section-header { margin-bottom: 0.9rem !important; }
.section-title { margin-bottom: 0.25rem !important; font-size: 1.4rem !important; }
.section-subtitle { font-size: 0.82rem !important; line-height: 1.5 !important; margin-bottom: 0 !important; }
.gold-rule { margin-bottom: 0.3rem !important; }
.section-eyebrow { font-size: 0.62rem !important; }
.compliance-note { margin-top: 0.75rem !important; padding: 0.5rem 1rem !important; font-size: 0.68rem !important; }

/* Services — compact 4-col grid with horizontal card layout */
.service-grid { display: grid !important; grid-template-columns: repeat(3,1fr) !important; gap: 0.6rem !important; }
.service-card { padding: 1.25rem !important; border-radius: 10px !important; background: #fff !important; box-shadow: 0 4px 15px rgba(0,0,0,0.03) !important; border: 1px solid #E8EDF5 !important; }
.svc-icon { width: 36px !important; height: 36px !important; margin-bottom: 0.4rem !important; }
.svc-icon svg { width: 36px !important; height: 36px !important; }
.svc-title { font-size: 0.82rem !important; margin-bottom: 0.2rem !important; }
.svc-desc { display: -webkit-box !important; -webkit-line-clamp: 2 !important; -webkit-box-orient: vertical !important; overflow: hidden !important; font-size: 0.72rem !important; margin-bottom: 0.6rem !important; line-height: 1.4 !important; color: #64748B !important; }
.svc-benefits { font-size: 0.72rem !important; margin-bottom: 0.6rem !important; padding-left: 1.2rem !important; margin-top: 0 !important; }
.svc-benefits li { margin-bottom: 0.25rem !important; }
.svc-link { font-size: 0.72rem !important; padding: 0.3rem 0.75rem !important; }

/* Why grid — 4-col compact */
.why-grid { display: grid !important; grid-template-columns: repeat(4,1fr) !important; gap: 0.6rem !important; }
.why-card { padding: 0.75rem !important; align-items: flex-start !important; gap: 0.5rem !important; }
.why-icon { font-size: 1.1rem !important; flex-shrink: 0 !important; }
.why-card h4 { font-size: 0.78rem !important; margin-bottom: 0.15rem !important; }
.why-card p { font-size: 0.68rem !important; line-height: 1.4 !important; margin: 0 !important; display: -webkit-box !important; -webkit-line-clamp: 2 !important; -webkit-box-orient: vertical !important; overflow: hidden !important; }

/* Testimonials — 3-col compact */
.testimonial-grid { grid-template-columns: repeat(3,1fr) !important; gap: 0.65rem !important; }
.testimonial-card { padding: 0.85rem !important; }
.tc-stars { font-size: 0.75rem !important; margin-bottom: 0.3rem !important; }
.tc-text { font-size: 0.72rem !important; line-height: 1.45 !important; margin-bottom: 0.5rem !important; display: -webkit-box !important; -webkit-line-clamp: 4 !important; -webkit-box-orient: vertical !important; overflow: hidden !important; }
.tc-avatar { width: 30px !important; height: 30px !important; font-size: 0.65rem !important; }
.tc-name { font-size: 0.75rem !important; }
.tc-role { font-size: 0.62rem !important; }

/* FAQ — tighter accordion */
.faq-list { gap: 0.35rem !important; }
.faq-q { padding: 0.65rem 1rem !important; font-size: 0.82rem !important; }
.faq-a { padding: 0.5rem 1rem 0.65rem !important; font-size: 0.76rem !important; line-height: 1.5 !important; }
.faq-icon { font-size: 1rem !important; }

/* Process steps — tighter circles */
#process .section-header { margin-bottom: 0.75rem !important; }

/* CTA band */
.cta-band { padding: 1.5rem 0 !important; }
.cta-band h2 { font-size: 1.3rem !important; margin-bottom: 0.3rem !important; }
.cta-band p { font-size: 0.82rem !important; margin-bottom: 0.8rem !important; }
.cta-band-btns { gap: 0.5rem !important; }

/* Hero */
#hero { padding: 2rem 0 0 !important; min-height: 0 !important; }
.hero-features { margin-bottom: 0.5rem !important; }
.hero-sub { margin-bottom: 0.5rem !important; line-height: 1.4 !important; }
.hero-title { margin-bottom: 0.25rem !important; }
.hero-ctabar { margin-bottom: 0.25rem !important; }
.gold-rule { margin-bottom: 0.25rem !important; }

/* Metrics section */
#metrics-section { padding: 1.25rem 0 !important; }

/* Banking section */
#banking-partners { padding: 1.25rem 0 !important; }
#banking-partners h2 { font-size: 1.1rem !important; }

/* Trust bar */
#trust-bar { padding: 0.4rem 0 !important; }

/* Contact section */
#contact .contact-grid { gap: 1.5rem !important; }
.contact-info { gap: 0.5rem !important; }
.ci-item { padding: 0.65rem 0.85rem !important; gap: 0.5rem !important; }
.ci-icon { font-size: 1rem !important; width: 30px !important; height: 30px !important; }
.contact-form { padding: 1.25rem !important; }
.cf-row { gap: 0.5rem !important; }
.cf-field { margin-bottom: 0.5rem !important; }
.cf-field input, .cf-field select, .cf-field textarea { padding: 0.55rem 0.85rem !important; font-size: 0.82rem !important; }
.cf-field textarea { min-height: 70px !important; }

/* Marquee Animation */
.marquee-container {
  overflow: hidden;
  position: relative;
  width: 100%;
  display: flex;
  align-items: center;
  background: transparent;
  padding: 1rem 0;
}
.marquee-container::before, .marquee-container::after {
  content: "";
  position: absolute;
  top: 0;
  width: 150px;
  height: 100%;
  z-index: 2;
}
.marquee-container::before {
  left: 0;
  background: linear-gradient(to right, #f8faff 0%, transparent 100%);
}
.marquee-container::after {
  right: 0;
  background: linear-gradient(to left, #f8faff 0%, transparent 100%);
}
.marquee-content {
  display: flex;
  gap: 2rem;
  animation: scroll 35s linear infinite;
  padding-left: 2rem;
}
.marquee-container:hover .marquee-content {
  animation-play-state: paused;
}
.marquee-item { display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 0.8rem 1.2rem; background: #fff; border: 1px solid #E8EDF5; border-radius: 12px; transition: all 0.2s; cursor: pointer; min-width: 150px; flex-shrink: 0; }
.marquee-item:hover {
  box-shadow: 0 4px 16px rgba(0,0,0,0.1);
  border-color: #C9A227;
}
.marquee-item img { height: 38px; width: auto; max-width: 120px; object-fit: contain; margin-bottom: 0.5rem; }
.marquee-item span {
  font-size: 0.72rem;
  color: #64748B;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  text-align: center;
  line-height: 1.2;
}
@keyframes scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(calc(-50% - 1rem)); }
}
/* ============================================================
   ENQUIRY MODAL
   ============================================================ */
.modal-overlay {
  position: fixed; top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(9, 24, 40, 0.85);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  z-index: 9999;
  display: flex; justify-content: center; align-items: center;
  opacity: 0; visibility: hidden;
  transition: all 0.3s ease;
}
.modal-overlay.active {
  opacity: 1; visibility: visible;
}
.modal-container {
  width: 90%; max-width: 420px;
  position: relative;
  transform: translateY(30px);
  transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}
.modal-overlay.active .modal-container {
  transform: translateY(0);
}
.modal-close {
  position: absolute; top: -40px; right: 0;
  background: none; border: none; color: #fff; font-size: 2rem;
  cursor: pointer; opacity: 0.7; transition: opacity 0.3s;
}
.modal-close:hover { opacity: 1; }
.modal-container .hero-card {
  margin: 0; max-width: none;
  background: rgba(11, 31, 58, 0.95);
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.5);
}

/* Premium FAQ Button */
.btn-faq-premium {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.85rem 1.8rem;
  background: linear-gradient(135deg, #C9A227, #E2C05A, #D4AF37);
  color: #091828 !important;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  border-radius: 50px;
  border: none;
  text-decoration: none;
  margin-left: 0.5rem;
  margin-top: 0.5rem;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 4px 15px rgba(201,162,39,0.3);
}
.btn-faq-premium::before {
  content: '';
  position: absolute;
  top: -2px; left: -2px; right: -2px; bottom: -2px;
  background: inherit;
  border-radius: inherit;
  z-index: -1;
  filter: blur(8px);
  opacity: 0.6;
  animation: goldPulse 2.5s infinite alternate;
}
.btn-faq-premium:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(201,162,39,0.5);
  color: #000 !important;
}
@keyframes goldPulse {
  0% { opacity: 0.4; filter: blur(6px); }
  100% { opacity: 0.8; filter: blur(12px); }
}


    /* Sleek Nav FAQ Link */
    .nav-faq-premium {
      color: #E2C05A !important;
      font-weight: 600 !important;
      position: relative;
    }
    .nav-faq-premium::after {
      content: '';
      position: absolute;
      bottom: 2px;
      left: 10px;
      width: calc(100% - 20px);
      height: 2px;
      background: #E2C05A;
      opacity: 0;
      transform: translateY(4px);
      transition: all 0.3s;
    }
    .nav-faq-premium:hover::after {
      opacity: 1;
      transform: translateY(0);
    }
  
    /* Uniform CTA Buttons */
    .cta-band-btns .btn {
      flex: 1 1 220px;
      max-width: 280px;
      display: flex;
      justify-content: center;
      align-items: center;
      gap: 0.5rem;
    }
    
    /* Vibrant FAQ Button */
    /* Neon FAQ Button */
    .btn-faq-vibrant {
      background: transparent;
      color: #00E5FF !important;
      font-weight: 700;
      border: 2px solid #00E5FF;
      box-shadow: 0 0 10px rgba(0, 229, 255, 0.4), inset 0 0 10px rgba(0, 229, 255, 0.4);
      text-shadow: 0 0 5px rgba(0, 229, 255, 0.8);
      transition: all 0.3s ease;
    }
    .btn-faq-vibrant:hover {
      transform: translateY(-2px);
      background: #00E5FF;
      color: #091828 !important;
      text-shadow: none;
      box-shadow: 0 0 15px #00E5FF, 0 0 30px #00E5FF;
    }

/* ============================================================
   SERVICE PAGE LAYOUTS (shared by service pages)
   ============================================================ */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.25rem;
}
.feature-card {
  background: var(--white);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}
.feature-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: rgba(201,162,39,0.15);
}
.feature-card:hover::before { transform: scaleX(1); }
.fc-icon { font-size: 1.6rem; margin-bottom: 0.75rem; }
.fc-title { font-size: 1rem; color: var(--navy); font-weight: 600; margin-bottom: 0.4rem; }
.fc-desc { font-size: 0.85rem; color: var(--text-lt); line-height: 1.65; }

.checklist {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9rem;
  color: var(--text-lt);
}
.checklist li::before {
  content: '✓';
  width: 22px; height: 22px;
  background: rgba(5,150,82,0.1);
  border: 1.5px solid rgba(5,150,82,0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 700;
  color: var(--green);
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.three-col {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.info-box {
  background: linear-gradient(180deg, #F8FAFF 0%, #F4F6FA 100%);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-lg);
  padding: 2rem;
}
.info-box h3 { color: var(--navy); margin-bottom: 1rem; }

.highlight-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.highlight-box::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(201,162,39,0.1) 1px, transparent 1px);
  background-size: 40px 40px;
  mask-image: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(0,0,0,0.5) 0%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(0,0,0,0.5) 0%, transparent 100%);
}
.highlight-box h3 { color: var(--white); margin-bottom: 0.75rem; position: relative; z-index: 1; }
.highlight-box p { color: rgba(255,255,255,0.75); position: relative; z-index: 1; }
.highlight-box ul { position: relative; z-index: 1; }

.stat-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2rem;
  position: relative;
  overflow: hidden;
}
.stat-row::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 100% at 50% 0%, rgba(201,162,39,0.05) 0%, transparent 70%);
}
.stat-item { text-align: center; position: relative; z-index: 1; }
.stat-num {
  font-family: 'Poppins', sans-serif;
  font-size: 1.8rem; font-weight: 800;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 50%, #F0D070 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}
.stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.6); margin-top: 0.25rem; }

.doc-tab-row {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}
.doc-tab.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.enquiry-form {
  background: var(--white);
  border: 1px solid rgba(226,232,240,0.8);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.ff { margin-bottom: 1rem; }
.ff.full { grid-column: 1 / -1; }
.ff label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
.ff input, .ff select, .ff textarea {
  width: 100%;
  padding: 0.7rem 1rem;
  border: 1.5px solid var(--gray-md);
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  transition: border-color var(--transition);
}
.ff input:focus, .ff select:focus, .ff textarea:focus {
  outline: none;
  border-color: var(--royal);
  box-shadow: 0 0 0 3px rgba(16,56,104,0.1);
}
.ff textarea { resize: vertical; min-height: 100px; }

@media (max-width: 768px) {
  .two-col { grid-template-columns: 1fr; gap: 2rem; }
  .three-col { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .form-grid { grid-template-columns: 1fr; }
}


/* ============================================================
   PREMIUM SERVICE CARDS (Our Services Page)
   ============================================================ */
.premium-grid {
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 1.5rem !important;
}
.premium-service-card {
  background: var(--navy);
  border-radius: 16px;
  padding: 1.75rem 1.5rem;
  box-shadow: 0 12px 40px rgba(9, 24, 40, 0.15);
  position: relative;
  overflow: hidden;
  color: #fff;
  text-align: center;
  transition: all 0.4s ease;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-decoration: none;
  border: 1px solid rgba(255, 255, 255, 0.05);
}
.premium-service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(201,162,39,0.1) 0%, transparent 50%);
  opacity: 0;
  transition: opacity 0.4s ease;
}
.premium-service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(9, 24, 40, 0.25);
  border-color: rgba(201, 162, 39, 0.3);
}
.premium-service-card:hover::before {
  opacity: 1;
}
.psc-icon {
  width: 48px; height: 48px;
  background: rgba(201, 162, 39, 0.15);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1rem;
  box-shadow: 0 0 20px rgba(201, 162, 39, 0.1);
  border: 1px solid rgba(201, 162, 39, 0.3);
  position: relative;
  z-index: 2;
  transition: all 0.4s ease;
}
.premium-service-card:hover .psc-icon {
  background: var(--gold);
  color: #fff;
  transform: scale(1.1);
}
.psc-title {
  font-family: 'Poppins', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.6rem;
  position: relative;
  z-index: 2;
}
.psc-desc {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.5;
  margin-bottom: 1rem;
  position: relative;
  z-index: 2;
  flex-grow: 1;
}
.psc-btn {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  position: relative;
  z-index: 2;
  transition: color 0.3s ease;
}
.premium-service-card:hover .psc-btn {
  color: #fff;
}
@media (max-width: 992px) {
  .premium-grid { grid-template-columns: repeat(2, 1fr) !important; }
}
@media (max-width: 768px) {
  .premium-grid { grid-template-columns: 1fr !important; }
}