/* =============================================================
   V & J Financial Solutions Pvt Ltd
   Ultra Premium Agency UI — v3.0 Crimson Edition
   ============================================================= */

@import url('https://fonts.googleapis.com/css2?family=Poppins:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;0,900;1,400&display=swap');

/* ─── CSS Variables ─────────────────────────────────────────── */
:root {
  --crimson:      #e11d48;
  --crimson-dark: #be123c;
  --crimson-deep: #881337;
  --orange:       #f97316;
  --amber:        #f59e0b;
  --purple:       #8b5cf6;
  --teal:         #14b8a6;
  --green:        #10b981;
  --dark:         #0f0f0f;
  --dark-2:       #161616;
  --dark-3:       #1e1e2e;
  --white:        #ffffff;
  --off-white:    #fafafa;
  --light:        #fff5f5;
  --text:         #1e293b;
  --text-mid:     #475569;
  --text-muted:   #94a3b8;
  --border:       #e2e8f0;
  --shadow-sm:    0 2px 8px rgba(225,29,72,.08);
  --shadow-md:    0 8px 32px rgba(225,29,72,.15);
  --shadow-lg:    0 20px 60px rgba(225,29,72,.2);
  --radius-sm:    8px;
  --radius:       14px;
  --radius-lg:    20px;
  --radius-xl:    28px;
  --transition:   all .3s cubic-bezier(.4,0,.2,1);
  --transition-fast: all .15s ease;
}

/* ─── Reset & Base ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; max-width: 100%; }
body {
  font-family: 'Poppins', system-ui, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
  max-width: 100%;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; transition: var(--transition-fast); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }

/* ─── Typography ────────────────────────────────────────────── */
h1,h2,h3,h4,h5,h6 { font-weight: 700; line-height: 1.2; color: var(--dark); }
h1 { font-size: clamp(2rem,4.5vw,3.25rem); }
h2 { font-size: clamp(1.75rem,3.5vw,2.5rem); }
h3 { font-size: clamp(1.25rem,2.5vw,1.75rem); }
p  { color: var(--text-mid); line-height: 1.75; }

.text-crimson  { color: var(--crimson) !important; }
.text-amber    { color: var(--amber) !important; }
.gradient-text {
  background: linear-gradient(135deg, var(--crimson), var(--orange));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ─── Section Helpers ───────────────────────────────────────── */
.section-pad    { padding: 5.5rem 0; }
.section-pad-sm { padding: 3.5rem 0; }
.section-bg     { background: var(--off-white); }
.bg-dark-section { background: var(--dark); }

/* ─── EMI Calculator ─────────────────────────────────────────── */
.emi-result {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 1rem;
  display: flex; flex-direction: column; gap: .6rem;
}
.emi-result-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: .88rem; color: var(--text-mid);
  padding-bottom: .5rem;
  border-bottom: 1px solid var(--border);
}
.emi-result-row:last-child { border-bottom: none; padding-bottom: 0; }
.form-range { accent-color: var(--crimson); }

/* ─── Milestone Cards ────────────────────────────────────────── */
.milestone-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  height: 100%;
  transition: var(--transition);
}
.milestone-card:hover {
  background: rgba(225,29,72,.1);
  border-color: rgba(225,29,72,.3);
  transform: translateY(-4px);
}
.milestone-year {
  font-size: 2rem; font-weight: 800;
  color: var(--crimson);
  line-height: 1; margin-bottom: .75rem;
}
.milestone-title {
  font-size: 1rem; font-weight: 700;
  color: white; margin-bottom: .5rem;
}
.milestone-desc {
  font-size: .84rem; color: rgba(255,255,255,.55);
  line-height: 1.65; margin: 0;
}

.section-header { text-align: center; margin-bottom: 3.5rem; }
.section-header .eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  background: linear-gradient(135deg, rgba(225,29,72,.1), rgba(249,115,22,.06));
  border: 1px solid rgba(225,29,72,.25);
  color: var(--crimson);
  font-size: .75rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  padding: .35rem 1rem; border-radius: 50px; margin-bottom: 1rem;
}
.section-header h2 { color: var(--dark); margin-bottom: .75rem; }
.section-header p  { color: var(--text-mid); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }
.section-header.light h2 { color: white; }
.section-header.light p  { color: rgba(255,255,255,.65); }
.section-header.light .eyebrow { background: rgba(225,29,72,.2); border-color: rgba(225,29,72,.4); color: #f87171; }

/* ─── Buttons ───────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: .7rem 1.8rem; border-radius: 50px;
  font-weight: 600; font-size: .92rem; border: 2px solid transparent;
  transition: var(--transition); cursor: pointer; white-space: nowrap;
}
.btn-primary, .btn-crimson {
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  color: white; border-color: transparent;
  box-shadow: 0 4px 20px rgba(225,29,72,.35);
}
.btn-primary:hover, .btn-crimson:hover {
  background: linear-gradient(135deg, var(--crimson-dark), var(--crimson-deep));
  color: white; transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(225,29,72,.45);
}
.btn-dark {
  background: var(--dark); color: white; border-color: var(--dark);
}
.btn-dark:hover { background: #222; color: white; transform: translateY(-2px); }

.btn-outline-crimson {
  background: transparent; color: var(--crimson);
  border-color: var(--crimson);
}
.btn-outline-crimson:hover {
  background: var(--crimson); color: white; transform: translateY(-2px);
  box-shadow: 0 4px 20px rgba(225,29,72,.3);
}
.btn-outline-white {
  background: transparent; color: white; border-color: rgba(255,255,255,.5);
}
.btn-outline-white:hover {
  background: white; color: var(--dark); border-color: white; transform: translateY(-2px);
}
.btn-whatsapp {
  background: linear-gradient(135deg,#25d366,#128c7e);
  color: white; border-color: transparent;
  box-shadow: 0 4px 16px rgba(37,211,102,.35);
}
.btn-whatsapp:hover {
  background: linear-gradient(135deg,#128c7e,#075e54);
  color: white; transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37,211,102,.45);
}
.btn-amber {
  background: linear-gradient(135deg,var(--amber),#d97706);
  color: white; border-color: transparent;
  box-shadow: 0 4px 16px rgba(245,158,11,.35);
}
.btn-amber:hover {
  background: linear-gradient(135deg,#d97706,#b45309); color: white;
  transform: translateY(-2px); box-shadow: 0 8px 24px rgba(245,158,11,.45);
}
/* Backward compat */
.btn-gold { background: linear-gradient(135deg,var(--amber),#d97706); color:white; border:none; box-shadow:0 4px 16px rgba(245,158,11,.3); }
.btn-gold:hover { background:linear-gradient(135deg,#d97706,#b45309); color:white; transform:translateY(-2px); }
.btn-navy { background:var(--dark); color:white; border:2px solid var(--dark); }
.btn-navy:hover { background:#222; color:white; }
.btn-outline-gold { background:transparent; color:var(--amber); border:2px solid var(--amber); }
.btn-outline-gold:hover { background:var(--amber); color:white; }

/* ─── Icon Color Classes ────────────────────────────────────── */
.bg-red-soft    { background: rgba(225,29,72,.1);  color: #e11d48; }
.bg-orange-soft { background: rgba(249,115,22,.1); color: #f97316; }
.bg-amber-soft  { background: rgba(245,158,11,.1); color: #f59e0b; }
.bg-purple-soft { background: rgba(139,92,246,.1); color: #8b5cf6; }
.bg-teal-soft   { background: rgba(20,184,166,.1); color: #14b8a6; }
.bg-green-soft  { background: rgba(16,185,129,.1); color: #10b981; }
.bg-navy-soft   { background: rgba(15,15,15,.08);  color: #0f0f0f; }
.bg-blue-soft   { background: rgba(37,99,235,.1);  color: #2563eb; }
.bg-gold-soft   { background: rgba(245,158,11,.1); color: #f59e0b; }
.bg-indigo-soft { background: rgba(99,102,241,.1); color: #6366f1; }

/* ─── Topbar ─────────────────────────────────────────────────── */
.topbar {
  background: var(--dark);
  padding: .5rem 0;
  font-size: .78rem;
  border-bottom: 1px solid rgba(225,29,72,.2);
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
}
.topbar-left, .topbar-right {
  display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap;
}
.topbar-left a, .topbar-left span, .topbar-right span {
  color: rgba(255,255,255,.75); transition: var(--transition-fast);
  display: flex; align-items: center; gap: .4rem;
}
.topbar-left a:hover { color: var(--crimson); }
.topbar-left a i, .topbar-left span i, .topbar-right span i { color: var(--crimson); font-size: .7rem; }
.btn-whatsapp-top {
  background: linear-gradient(135deg,#25d366,#128c7e);
  color: white !important; padding: .3rem 1rem;
  border-radius: 50px; font-size: .73rem; font-weight: 600;
  display: flex; align-items: center; gap: .4rem;
  transition: var(--transition);
}
.btn-whatsapp-top:hover { transform: translateY(-1px); box-shadow: 0 4px 12px rgba(37,211,102,.4); }

/* ─── Navbar ─────────────────────────────────────────────────── */
.navbar-main {
  background: #fffdf7 !important;
  padding: 10px 0;
  position: sticky; top: 0; z-index: 1000;
  transition: var(--transition);
  border-bottom: 1px solid #e8e0cc !important;
  box-shadow: 0 2px 12px rgba(0,0,0,.07);
}
.navbar-main.scrolled {
  background: #fffdf7 !important;
  backdrop-filter: blur(20px);
  box-shadow: 0 4px 24px rgba(0,0,0,.12);
}
.navbar-brand-logo { display: flex; align-items: center; gap: .5rem; }
.brand-icon {
  width: 268px;
  height: 55px;
  display: flex; align-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.brand-icon img {
  width: 268px;
  height: 55px;
  object-fit: contain;
  object-position: left center;
  display: block;
}
@media (max-width: 1199px) {
  .brand-icon, .brand-icon img { width: 234px; height: 48px; }
}
@media (max-width: 991px) {
  .brand-icon, .brand-icon img { width: 195px; height: 40px; }
}
.brand-text-wrap { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name {
  font-size: .92rem; font-weight: 700; color: var(--dark);
  letter-spacing: .02em;
}
.brand-sub { font-size: .67rem; color: #888; font-weight: 500; }

.navbar-main .nav-link {
  color: #333 !important;
  font-weight: 600; font-size: .88rem;
  padding: .5rem .8rem !important;
  border-radius: 8px;
  transition: var(--transition);
}
.navbar-main .nav-link:hover,
.navbar-main .nav-link.active { color: var(--crimson) !important; background: rgba(225,29,72,.07); }
.navbar-main .nav-link.active { color: var(--crimson) !important; }

.nav-cta,
.navbar-main .nav-link.nav-cta {
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark)) !important;
  color: #fff !important;
  border-radius: 50px !important;
  padding: .5rem 1.4rem !important;
  font-weight: 600 !important;
  box-shadow: 0 4px 16px rgba(225,29,72,.4);
}
.nav-cta:hover {
  background: linear-gradient(135deg, var(--crimson-dark), var(--crimson-deep)) !important;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(225,29,72,.5) !important;
}

.dropdown-menu {
  background: var(--dark-2); border: 1px solid rgba(225,29,72,.15);
  border-radius: var(--radius); box-shadow: 0 20px 60px rgba(0,0,0,.5);
  padding: .5rem; min-width: 230px;
}
.dropdown-item {
  color: rgba(255,255,255,.8); border-radius: 8px;
  padding: .55rem 1rem; font-size: .88rem; font-weight: 500;
  transition: var(--transition-fast);
}
.dropdown-item:hover {
  background: rgba(225,29,72,.15); color: white;
}
.dropdown-item i { color: var(--crimson); }

/* ─── Hero Section ───────────────────────────────────────────── */
.hero-section {
  background: var(--dark);
  position: relative; overflow: hidden;
  padding: 5rem 0 4rem;
  min-height: 90vh; display: flex; align-items: center;
}
.hero-section::before {
  content: '';
  position: absolute; top: -20%; left: -10%;
  width: 60%; height: 120%;
  background: radial-gradient(ellipse, rgba(225,29,72,.18) 0%, transparent 70%);
  pointer-events: none;
  z-index: 1;
}
.hero-section::after {
  content: '';
  position: absolute; bottom: -10%; right: -10%;
  width: 50%; height: 80%;
  background: radial-gradient(ellipse, rgba(249,115,22,.1) 0%, transparent 70%);
  pointer-events: none;
  z-index: 1;
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 420px; gap: 3rem; align-items: center;
  position: relative; z-index: 1;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: .6rem;
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(225,29,72,.3);
  border-radius: 50px; padding: .45rem 1.2rem;
  font-size: .78rem; font-weight: 600; color: rgba(255,255,255,.85);
  margin-bottom: 1.5rem;
}
.hv3-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--crimson);
  box-shadow: 0 0 8px var(--crimson);
  animation: pulse-dot 1.5s ease-in-out infinite;
}
@keyframes pulse-dot { 0%,100%{transform:scale(1);opacity:1} 50%{transform:scale(1.4);opacity:.7} }

.hero-content h1 {
  color: white; font-size: clamp(2.2rem,4.5vw,3.5rem);
  font-weight: 800; line-height: 1.15; margin-bottom: 1.25rem;
}
.hero-content h1 em {
  font-style: normal;
  background: linear-gradient(135deg, var(--crimson), var(--orange), var(--amber));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc { color: rgba(255,255,255,.7); font-size: 1.05rem; margin-bottom: 2rem; max-width: 520px; }

.hero-cta-group { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2.5rem; }

.hero-stats {
  display: flex; flex-wrap: wrap; gap: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.08);
}
.hero-stat-item .num {
  font-size: 1.75rem; font-weight: 800; color: white; line-height: 1;
}
.hero-stat-item .lbl { font-size: .75rem; color: rgba(255,255,255,.85); margin-top: .2rem; }

/* Hero Form */
.hero-form-wrap { position: relative; }
.hero-form-card {
  background: white; border-radius: var(--radius-xl);
  padding: 2rem; box-shadow: 0 30px 80px rgba(0,0,0,.4);
}
.form-head {
  display: flex; align-items: center; gap: 1rem; margin-bottom: 1.5rem;
  padding-bottom: 1rem; border-bottom: 1px solid var(--border);
}
.form-head .icon-wrap {
  width: 48px; height: 48px; border-radius: 12px;
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  color: white; display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; flex-shrink: 0;
}
.form-head h4 { font-size: 1rem; font-weight: 700; color: var(--dark); margin: 0; }
.form-head p  { font-size: .78rem; color: var(--text-muted); margin: 0; }

/* ─── Service Cards ──────────────────────────────────────────── */
.svc-card {
  background: white; border-radius: var(--radius-lg);
  padding: 1.75rem; border: 2px solid var(--border);
  transition: var(--transition); position: relative; overflow: hidden;
}
.svc-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px; background: linear-gradient(90deg, var(--crimson), var(--orange), var(--amber));
  transform: scaleX(0); transform-origin: left; transition: transform .35s ease;
}
.svc-card:hover { border-color: var(--crimson); transform: translateY(-6px); box-shadow: var(--shadow-md); }
.svc-card:hover::after { transform: scaleX(1); }
.svc-card-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1rem; }
.svc-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.35rem;
}
.svc-rate-badge {
  text-align: right;
}
.svc-rate-badge span {
  display: block; font-size: 1.05rem; font-weight: 800; color: var(--crimson); line-height: 1;
}
.svc-rate-badge small { font-size: .65rem; color: var(--text-muted); }
.svc-card h5 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: .5rem; }
.svc-card p  { font-size: .85rem; color: var(--text-mid); flex: 1; }
.svc-card-link {
  display: inline-flex; align-items: center; gap: .4rem;
  color: var(--crimson); font-size: .85rem; font-weight: 600;
  margin-top: 1rem; transition: var(--transition-fast);
}
.svc-card-link:hover { gap: .7rem; }

/* ─── Rate Cards Premium ─────────────────────────────────────── */
.rate-card-premium {
  background: white; border-radius: var(--radius-lg);
  padding: 1.5rem; border: 2px solid var(--border);
  transition: var(--transition); position: relative; overflow: hidden;
}
.rate-card-premium::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--crimson), var(--orange));
}
.rate-card-premium:hover {
  border-color: var(--crimson); transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.rcp-top {
  display: flex; align-items: center; justify-content: space-between; margin-bottom: 1rem;
}
.rcp-icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center; font-size: 1.15rem;
}
.rcp-badge {
  font-size: .65rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .08em; color: var(--amber);
  background: rgba(245,158,11,.1); padding: .2rem .6rem;
  border-radius: 50px; border: 1px solid rgba(245,158,11,.2);
}
.rcp-rate {
  font-size: 2rem; font-weight: 800; color: var(--crimson); line-height: 1;
}
.rcp-rate small { font-size: .85rem; font-weight: 500; color: var(--text-muted); }
.rcp-label { font-size: .82rem; font-weight: 600; color: var(--text-mid); margin: .3rem 0 1rem; }
.rcp-apply {
  display: inline-flex; align-items: center; gap: .4rem;
  color: var(--crimson); font-size: .82rem; font-weight: 600;
  transition: var(--transition-fast);
}
.rcp-apply:hover { gap: .7rem; color: var(--crimson-dark); }

/* Legacy rate-card */
.rate-card {
  display: flex; align-items: center; gap: 1rem; padding: 1.25rem 1.5rem;
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  border-radius: var(--radius-lg); color: white;
}
.rate-icon { font-size: 1.8rem; opacity: .8; }
.rate-info .lbl { font-size: .75rem; opacity: .8; }
.rate-info .val { font-size: 1.5rem; font-weight: 800; }

/* ─── Stats Section ──────────────────────────────────────────── */
.stats-section {
  background: var(--dark);
  padding: 5rem 0;
  position: relative;
  overflow: hidden;
}
.stats-section-bg {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 60% 80% at 50% 50%, rgba(225,29,72,.12) 0%, transparent 70%),
    radial-gradient(ellipse 30% 50% at 10% 50%, rgba(249,115,22,.06) 0%, transparent 70%),
    radial-gradient(ellipse 30% 50% at 90% 50%, rgba(139,92,246,.06) 0%, transparent 70%);
}

/* Stats grid — 4 equal columns on desktop, 2×2 on mobile */
.stats-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 0;
  background: rgba(255,255,255,.03);
  border: 1px solid rgba(255,255,255,.07);
  border-radius: var(--radius-xl);
  padding: 2.5rem 1rem;
  position: relative;
}

.stat-item {
  text-align: center;
  padding: 1.5rem 1rem;
  position: relative;
}

.stat-icon-wrap {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: rgba(225,29,72,.15);
  color: var(--crimson);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  margin: 0 auto .9rem;
  border: 1px solid rgba(225,29,72,.25);
}

.stat-num {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  line-height: 1;
  background: linear-gradient(135deg, #ffffff 0%, rgba(255,255,255,.75) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: .5rem;
}

.stat-label {
  font-size: .82rem;
  color: rgba(255,255,255,.5);
  font-weight: 500;
  letter-spacing: .02em;
  text-transform: uppercase;
}

/* Vertical dividers between stats */
.stat-divider-v {
  width: 1px;
  height: 80px;
  background: linear-gradient(180deg, transparent, rgba(255,255,255,.12) 50%, transparent);
  flex-shrink: 0;
}

/* Mobile: 2×2 grid */
@media (max-width: 767px) {
  .stats-grid {
    grid-template-columns: 1fr 1fr;
    gap: 0;
    padding: 1.5rem .5rem;
  }
  .stat-divider-v { display: none; }
  .stat-item {
    padding: 1.25rem .75rem;
    border-bottom: 1px solid rgba(255,255,255,.06);
  }
  .stat-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.06); }
  .stat-item:nth-last-child(-n+2) { border-bottom: none; }
  .stat-num { font-size: 1.8rem; }
}

/* Legacy — keep for other pages */
.stat-card-hero { padding: 2rem 1.5rem; }
.stat-card-hero .num {
  font-size: clamp(2rem,4vw,3rem); font-weight: 900;
  background: linear-gradient(135deg, white, rgba(255,255,255,.7));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; line-height: 1;
}
.stat-card-hero .lbl,
.stat-card-hero .label { font-size: .82rem; color: rgba(255,255,255,.85) !important; margin-top: .5rem; font-weight: 500; }

/* Legacy stat-section */
.stat-section { background: var(--dark); }
.stat-card {
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  border-radius: var(--radius); padding: 1.5rem; text-align: center; color: white;
}
.stat-card .num { font-size: 1.6rem; font-weight: 800; display: block; }
.stat-card .label { font-size: .75rem; opacity: .8; }

/* ─── About / Why Section ────────────────────────────────────── */
.about-img-wrap {
  position: relative; border-radius: var(--radius-xl); overflow: hidden;
}
.about-img-wrap img { border-radius: var(--radius-xl); width: 100%; object-fit: cover; }
.about-badge {
  position: absolute; bottom: 1.5rem; left: 1.5rem;
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  color: white; border-radius: var(--radius); padding: 1rem 1.5rem;
  box-shadow: 0 8px 32px rgba(225,29,72,.4);
}
.about-badge-num { display: block; font-size: 2.2rem; font-weight: 900; line-height: 1; }
.about-badge-lbl { font-size: .78rem; opacity: .85; }

.about-feature-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.why-feature-card {
  display: flex; align-items: flex-start; gap: .85rem;
  background: var(--off-white); border-radius: var(--radius);
  padding: 1rem; border: 1px solid var(--border);
  transition: var(--transition);
}
.why-feature-card:hover { border-color: var(--crimson); box-shadow: var(--shadow-sm); }
.wf-icon {
  width: 42px; height: 42px; border-radius: 10px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  color: white; display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.why-feature-card h6 { font-size: .88rem; font-weight: 700; color: var(--dark); margin-bottom: .2rem; }
.why-feature-card p  { font-size: .78rem; color: var(--text-muted); margin: 0; }

/* Legacy why-card */
.why-card {
  background: white; border-radius: var(--radius-lg); padding: 2rem;
  text-align: center; border: 2px solid var(--border);
  transition: var(--transition);
}
.why-card:hover { border-color: var(--crimson); box-shadow: var(--shadow-md); }
.why-card .icon { font-size: 2.2rem; margin-bottom: 1rem; }
.why-card h5 { color: var(--dark); font-weight: 700; margin-bottom: .5rem; }
.why-card p  { font-size: .87rem; color: var(--text-mid); }

/* ─── Testimonials ───────────────────────────────────────────── */
.testi-card {
  background: white; border-radius: var(--radius-lg);
  padding: 2rem; border: 2px solid var(--border); transition: var(--transition);
}
.testi-card:hover { border-color: var(--crimson); box-shadow: var(--shadow-md); }
.testi-stars { font-size: 1rem; color: var(--amber); margin-bottom: .75rem; letter-spacing: .1em; }
.testi-quote { font-size: .92rem; color: var(--text-mid); line-height: 1.75; flex: 1; margin: 0 0 1.5rem; }
.testi-footer { display: flex; align-items: center; gap: .75rem; }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--crimson), var(--orange));
  color: white; font-weight: 700; font-size: .88rem;
  display: flex; align-items: center; justify-content: center;
}
/* Initials avatar — gradient set inline per testimonial */
.testi-initials-avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-weight: 800;
  font-size: .9rem;
  letter-spacing: .02em;
  box-shadow: 0 4px 12px rgba(0,0,0,.18);
  border: 2px solid rgba(255,255,255,.25);
}
.testi-name { display: block; font-weight: 700; font-size: .9rem; color: var(--dark); }
.testi-meta { display: block; font-size: .75rem; color: var(--text-muted); }
.testi-loan-tag {
  background: rgba(225,29,72,.08); color: var(--crimson);
  font-size: .7rem; font-weight: 600; padding: .25rem .75rem;
  border-radius: 50px; border: 1px solid rgba(225,29,72,.15); white-space: nowrap;
}

/* ─── Partners ───────────────────────────────────────────────── */
.partners-grid {
  display: grid; grid-template-columns: repeat(6,1fr); gap: 1rem;
}
.partner-item {
  background: white; border: 2px solid var(--border);
  border-radius: var(--radius); padding: 1rem .75rem;
  display: flex; flex-direction: column; align-items: center; gap: .5rem;
  font-size: .78rem; font-weight: 600; color: var(--text-mid);
  transition: var(--transition); text-align: center;
  cursor: default;
}
.partner-item:hover {
  border-color: var(--crimson);
  box-shadow: var(--shadow-sm);
  transform: translateY(-3px);
}
.partner-icon-wrap { font-size: 1.6rem; }
.partner-logo-img {
  width: 100%; max-width: 140px; height: 60px;
  object-fit: contain; object-position: center;
  display: block; transition: transform .3s ease;
}
.partner-item:hover .partner-logo-img { transform: scale(1.06); }

/* Legacy bank-logo-item */
.bank-logo-item {
  background: white; border: 2px solid var(--border);
  border-radius: var(--radius); padding: 1rem;
  text-align: center; font-size: .82rem; font-weight: 600; color: var(--text-mid);
  transition: var(--transition);
}
.bank-logo-item:hover { border-color: var(--crimson); }

/* ─── Blog Cards ─────────────────────────────────────────────── */
.blog-card {
  background: white; border-radius: var(--radius-lg);
  border: 2px solid var(--border); overflow: hidden;
  transition: var(--transition); display: flex; flex-direction: column;
}
.blog-card:hover { border-color: var(--crimson); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.blog-body { padding: 1.5rem; display: flex; flex-direction: column; flex: 1; }
.blog-meta {
  display: flex; align-items: center; gap: 1rem;
  font-size: .75rem; color: var(--text-muted); margin-bottom: .75rem;
}
.blog-meta i { color: var(--crimson); }
.blog-title { margin-bottom: .75rem; }
.blog-title a {
  font-size: 1rem; font-weight: 700; color: var(--dark); line-height: 1.4;
  transition: var(--transition-fast);
}
.blog-title a:hover { color: var(--crimson); }
.blog-excerpt { font-size: .85rem; color: var(--text-mid); flex: 1; }
.blog-img-cat {
  position: absolute; top: 1rem; left: 1rem;
  background: var(--crimson); color: white; font-size: .68rem;
  font-weight: 700; text-transform: uppercase; letter-spacing: .08em;
  padding: .25rem .75rem; border-radius: 50px;
}
.blog-read-more {
  display: inline-flex; align-items: center; gap: .4rem;
  color: var(--crimson); font-size: .85rem; font-weight: 600;
  margin-top: 1rem; transition: var(--transition-fast);
}
.blog-read-more:hover { gap: .7rem; }

/* ─── CTA Banner ─────────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--crimson) 0%, var(--crimson-dark) 50%, var(--crimson-deep) 100%);
  padding: 5rem 0; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(249,115,22,.3) 0%, transparent 60%);
  pointer-events: none;
}
.cta-banner h2 { color: white; font-size: clamp(1.75rem,3vw,2.5rem); margin-bottom: .75rem; }
.cta-banner p  { color: rgba(255,255,255,.8); font-size: 1.05rem; margin-bottom: 2rem; }
.cta-btn-group { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }

/* Light variant — used on insurance & investment pages */
.cta-banner--light {
  background: #f8fafc;
  border-top: 1px solid #e2e8f0;
  border-bottom: 1px solid #e2e8f0;
}
.cta-banner--light::before { display: none; }
.cta-banner--light h2 { color: var(--dark); }
.cta-banner--light p  { color: #4a5568; }
.cta-banner--light .btn-outline-white {
  border-color: var(--dark);
  color: var(--dark);
}
.cta-banner--light .btn-outline-white:hover {
  background: var(--dark);
  color: white;
}

/* ─── Footer ─────────────────────────────────────────────────── */
.site-footer, footer {
  background: #0a0a0a; padding: 4rem 0 0;
  border-top: 1px solid rgba(225,29,72,.15);
}
.footer-logo {
  display: flex; align-items: center; gap: .75rem; margin-bottom: 1.25rem;
}
.footer-logo .logo-icon {
  width: 54px; height: 54px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.footer-logo .logo-icon img {
  width: 54px; height: 54px;
  object-fit: contain;
  filter: drop-shadow(0 3px 10px rgba(200,160,30,.6));
}
.footer-logo .name {
  font-size: .92rem; font-weight: 700; color: white; line-height: 1.3;
}
.footer-logo .name small { display: block; font-size: .67rem; color: rgba(255,255,255,.4); font-weight: 500; }
footer h5 { color: white; font-weight: 700; font-size: .92rem; margin-bottom: 1rem; letter-spacing: .04em; }
.footer-links { display: flex; flex-direction: column; gap: .45rem; }
.footer-links a { color: rgba(255,255,255,.55); font-size: .83rem; transition: var(--transition-fast); }
.footer-links a:hover { color: var(--crimson); padding-left: 4px; }

.footer-contact { display: flex; flex-direction: column; gap: .8rem; }
.footer-contact-item { display: flex; align-items: flex-start; gap: .75rem; }
.footer-contact-item .ic {
  width: 30px; height: 30px; border-radius: 8px;
  background: rgba(225,29,72,.12); color: var(--crimson);
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem; flex-shrink: 0; margin-top: .1rem;
}
.footer-contact-item .txt {
  font-size: .83rem; color: rgba(255,255,255,.6); line-height: 1.5;
}
.footer-contact-item .txt a { color: rgba(255,255,255,.6); }
.footer-contact-item .txt a:hover { color: var(--crimson); }

.social-icons a {
  width: 36px; height: 36px; border-radius: 10px;
  background: rgba(255,255,255,.07); color: rgba(255,255,255,.6);
  display: flex; align-items: center; justify-content: center;
  font-size: .85rem; transition: var(--transition);
}
.social-icons a:hover { background: var(--crimson); color: white; transform: translateY(-2px); }

.footer-bottom {
  margin-top: 3rem; padding: 1.25rem 0;
  border-top: 1px solid rgba(255,255,255,.06);
  font-size: .8rem; color: rgba(255,255,255,.4);
}
.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.fb-copy  { flex: 1 1 auto; white-space: nowrap; }
.fb-credit {
  flex: 0 0 auto;
  text-align: center;
  color: rgba(255,255,255,.35);
}
.fb-credit a {
  color: rgba(255,255,255,.6);
  font-weight: 600;
  text-decoration: none;
  transition: color .2s;
}
.fb-credit a:hover { color: var(--crimson); }
.fb-links {
  flex: 1 1 auto;
  display: flex;
  justify-content: flex-end;
  gap: .25rem 1rem;
  flex-wrap: wrap;
}
.fb-links a {
  color: rgba(255,255,255,.4);
  text-decoration: none;
  white-space: nowrap;
  transition: color .2s;
}
.fb-links a:hover { color: var(--crimson); }
/* Mobile: stack into 1 column, centered */
@media (max-width: 767px) {
  .footer-bottom-inner {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: .5rem;
  }
  .fb-copy {
    flex: none;
    white-space: normal;   /* allow wrapping on small screens */
    font-size: .75rem;
  }
  .fb-credit {
    font-size: .75rem;
  }
  .fb-links {
    flex: none;
    justify-content: center;
    gap: .2rem .75rem;
    font-size: .73rem;
  }
}
.footer-bottom a:hover { color: var(--crimson); }

/* ─── Page Hero ──────────────────────────────────────────────── */
.page-hero {
  background: var(--dark); padding: 4rem 0 3rem; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(225,29,72,.2) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero h1 { color: white; font-size: clamp(1.75rem,4vw,2.75rem); margin-bottom: .5rem; }
.page-hero p  { color: rgba(255,255,255,.65); font-size: 1rem; }
.page-hero .breadcrumb-item { color: rgba(255,255,255,.5); font-size: .8rem; }
.page-hero .breadcrumb-item a { color: var(--crimson); }
.page-hero .breadcrumb-item.active { color: rgba(255,255,255,.7); }
.page-hero .breadcrumb-item+.breadcrumb-item::before { color: rgba(255,255,255,.3); }

/* ─── Loan Sidebar Form ──────────────────────────────────────── */
.loan-form-sidebar { position: sticky; top: 90px; }
.loan-form-card {
  background: white; border-radius: var(--radius-xl);
  padding: 2rem; box-shadow: var(--shadow-lg);
  border: 2px solid var(--border);
}
.loan-form-card h4 {
  font-size: 1.05rem; font-weight: 700; color: var(--dark);
  margin-bottom: 1.25rem; padding-bottom: 1rem;
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; gap: .6rem;
}
.loan-form-card h4 i { color: var(--crimson); }

/* ─── Forms ──────────────────────────────────────────────────── */
.form-label { font-size: .82rem; font-weight: 600; color: var(--text); margin-bottom: .35rem; }
.form-control, .form-select {
  border-radius: var(--radius-sm); border: 2px solid var(--border);
  padding: .6rem .9rem; font-size: .88rem; color: var(--text);
  transition: var(--transition-fast); background: white;
}
.form-control:focus, .form-select:focus {
  border-color: var(--crimson); box-shadow: 0 0 0 3px rgba(225,29,72,.1);
  outline: none;
}

/* ─── Process Steps ──────────────────────────────────────────── */
.process-step {
  background: white; border-radius: var(--radius-lg);
  padding: 2rem; border: 2px solid var(--border);
  text-align: center; transition: var(--transition);
}
.process-step:hover { border-color: var(--crimson); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.step-num {
  font-size: 2.5rem; font-weight: 900; color: var(--crimson);
  line-height: 1; margin-bottom: .75rem; display: block;
  background: linear-gradient(135deg, var(--crimson), var(--orange));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.process-step h6 { font-weight: 700; color: var(--dark); margin-bottom: .5rem; }
.process-step p  { font-size: .85rem; color: var(--text-mid); margin: 0; }

/* ─── Eligibility List ───────────────────────────────────────── */
.eligibility-list { padding: 0; }
.eligibility-list li {
  padding: .6rem 0 .6rem 2rem; position: relative;
  color: var(--text-mid); font-size: .92rem;
  border-bottom: 1px solid var(--border);
}
.eligibility-list li:last-child { border-bottom: none; }
.eligibility-list li::before {
  content: '\f00c'; font-family: 'Font Awesome 6 Free'; font-weight: 900;
  position: absolute; left: 0; top: .6rem;
  color: var(--crimson); font-size: .75rem;
}

/* ─── FAQ Accordion ──────────────────────────────────────────── */
.faq-accordion .accordion-button {
  font-weight: 600; font-size: .92rem; color: var(--dark); background: white;
}
.faq-accordion .accordion-button:not(.collapsed) {
  color: var(--crimson); background: rgba(225,29,72,.04); box-shadow: none;
}
.faq-accordion .accordion-button::after {
  filter: hue-rotate(160deg) saturate(2);
}

/* ─── Marquee ────────────────────────────────────────────────── */
.marquee-section {
  background: white; padding: 1.25rem 0;
  border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
  /* position:relative is REQUIRED — without it, overflow:hidden won't clip
     transformed children on mobile Chrome, causing horizontal scroll */
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 100%;
}
.marquee-track {
  display: flex; gap: 2.5rem; align-items: center;
  animation: marquee 30s linear infinite; white-space: nowrap;
  will-change: transform;  /* keep on GPU layer, isolated from layout */
}
.marquee-section:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee { from{transform:translateX(0)} to{transform:translateX(-50%)} }
.marquee-item {
  font-size: .82rem; font-weight: 700; color: var(--text-mid);
  display: flex; align-items: center; gap: .5rem; flex-shrink: 0;
}
.marquee-item i { color: var(--crimson); }

/* ─── Founder Section ────────────────────────────────────────── */
.founder-section { padding: 5.5rem 0; background: var(--off-white); }

/* ─── Contact ────────────────────────────────────────────────── */
.contact-info-card {
  background: var(--dark); border-radius: var(--radius-xl);
  padding: 1.5rem; display: flex; flex-direction: column; gap: 1rem;
}
.contact-info-item { display: flex; align-items: flex-start; gap: 1rem; }
.contact-info-icon {
  width: 40px; height: 40px; border-radius: 10px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  color: white; display: flex; align-items: center; justify-content: center; font-size: .9rem;
}
.contact-info-text h6 { font-size: .82rem; color: rgba(255,255,255,.5); margin: 0 0 .15rem; font-weight: 500; }
.contact-info-text p  { font-size: .9rem; color: white; margin: 0; font-weight: 600; }
.map-wrap { border-radius: var(--radius-lg); overflow: hidden; height: 220px; }
.map-wrap iframe { width: 100%; height: 100%; border: none; }
.form-card { background: white; border-radius: var(--radius-xl); padding: 2rem; border: 2px solid var(--border); }

/* ─── Benefit Cards ──────────────────────────────────────────── */
.benefit-card {
  background: white; border-radius: var(--radius); padding: 1.25rem;
  border: 2px solid var(--border); transition: var(--transition);
}
.benefit-card:hover { border-color: var(--crimson); box-shadow: var(--shadow-sm); }
.benefit-card .icon { font-size: 1.6rem; margin-bottom: .5rem; }
.benefit-card h6 { font-weight: 700; color: var(--dark); font-size: .9rem; margin-bottom: .3rem; }
.benefit-card p  { font-size: .82rem; color: var(--text-muted); margin: 0; }

/* ─── Reveal Animations ──────────────────────────────────────── */
/* translateX removed — horizontal shift was causing right-side white space on mobile */
.reveal        { opacity: 0; transform: translateY(30px); transition: opacity .7s ease, transform .7s ease; }
.reveal-left   { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal-right  { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible, .reveal-left.visible, .reveal-right.visible {
  opacity: 1; transform: none;
}

/* ─── WhatsApp Float ─────────────────────────────────────────── */
/* Use left:calc(100vw - width - margin) instead of right:margin
   so the element never extends beyond the viewport — fixes Android Chrome
   horizontal scroll bug where position:fixed + right:Xpx adds scroll width */
.whatsapp-float {
  position: fixed;
  bottom: 5rem;
  left: calc(100vw - 56px - 1.5rem); /* right edge = 1.5rem from viewport */
  z-index: 9999;
  width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg,#25d366,#128c7e);
  color: white; font-size: 1.5rem;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 24px rgba(37,211,102,.5);
  transition: var(--transition);
}
.whatsapp-float:hover { transform: scale(1.1); color: white; }

/* ─── Scroll to Top ──────────────────────────────────────────── */
#scrollTop {
  position: fixed;
  bottom: 1.5rem;
  left: calc(100vw - 44px - 1.5rem); /* right edge = 1.5rem from viewport */
  z-index: 9999;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--dark); color: white; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem; opacity: 0; pointer-events: none;
  transition: var(--transition); box-shadow: 0 4px 16px rgba(0,0,0,.4);
}
#scrollTop.visible { opacity: 1; pointer-events: all; }
#scrollTop:hover { background: var(--crimson); transform: translateY(-3px); }

/* ─── Form Messages ──────────────────────────────────────────── */
.form-message { padding: .75rem 1rem; border-radius: var(--radius-sm); font-size: .85rem; font-weight: 600; }
.form-message.success { background: rgba(16,185,129,.1); color: #059669; border: 1px solid rgba(16,185,129,.3); }
.form-message.error   { background: rgba(225,29,72,.08); color: var(--crimson); border: 1px solid rgba(225,29,72,.2); }

/* ─── Responsive ─────────────────────────────────────────────── */
@media (max-width: 1200px) {
  .hero-grid { grid-template-columns: 1fr 380px; gap: 2rem; }
  .partners-grid { grid-template-columns: repeat(4,1fr); }
}
@media (max-width: 992px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-form-wrap { display: none; }
  .hero-section { padding: 3.5rem 0; min-height: auto; }
  .about-feature-grid { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(3,1fr); }
  .section-pad { padding: 4rem 0; }
}
@media (max-width: 768px) {
  .hero-content h1 { font-size: 2rem; }
  .hero-stats { gap: 1rem; }
  .hero-stat-item .num { font-size: 1.4rem; }
  .section-pad { padding: 3rem 0; }
  .partners-grid { grid-template-columns: repeat(2,1fr); }
  .stat-num { font-size: 1.6rem; }
  .cta-banner { padding: 3rem 0; }
}
@media (max-width: 576px) {
  .hero-cta-group { flex-direction: column; }
  .hero-cta-group .btn { width: 100%; justify-content: center; }
  .about-feature-grid { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(2,1fr); }
  .cta-btn-group { flex-direction: column; align-items: center; }
}

/* ═══════════════════════════════════════════════════════════
   SERVICE IMAGE STRIP
═══════════════════════════════════════════════════════════ */
.svc-img-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.svc-img-item {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 16/9;
  box-shadow: var(--shadow-md);
}
.svc-img-item img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .5s ease;
}
.svc-img-item:hover img { transform: scale(1.07); }
.svc-img-item span {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: linear-gradient(0deg, rgba(15,15,15,.85) 0%, transparent 100%);
  color: #fff;
  font-size: .75rem;
  font-weight: 600;
  padding: .5rem .75rem;
}
@media (max-width: 768px) {
  .svc-img-strip { grid-template-columns: repeat(2, 1fr); }
}

/* ═══════════════════════════════════════════════════════════
   PROCESS STEP ICON
═══════════════════════════════════════════════════════════ */
.step-icon-wrap {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: rgba(225,29,72,.15);
  color: var(--crimson);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin: .75rem auto 1rem;
}

/* ═══════════════════════════════════════════════════════════
   TESTIMONIAL ENHANCEMENTS
═══════════════════════════════════════════════════════════ */
.testi-card-accent {
  padding: .75rem 1rem;
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  margin: -1.5rem -1.5rem 1rem;
}
/* .testi-avatar-img removed — using initials avatars */

/* ═══════════════════════════════════════════════════════════
   DSA / CONNECTOR PARTNER SECTION
═══════════════════════════════════════════════════════════ */
.dsa-partner-section {
  position: relative;
  padding: 5rem 0;
  background: linear-gradient(135deg, #0f0f0f 0%, #1a0a12 50%, #0f0f1a 100%);
  overflow: hidden;
}
.dsa-bg-overlay {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 20% 50%, rgba(225,29,72,.12) 0%, transparent 70%),
    radial-gradient(ellipse 50% 60% at 80% 50%, rgba(249,115,22,.08) 0%, transparent 70%);
  pointer-events: none;
}
.dsa-partner-section .section-header h2 { color: #fff; }
.dsa-partner-section .section-header p { color: rgba(255,255,255,.65); }

.eyebrow-light {
  background: rgba(225,29,72,.2);
  border-color: rgba(225,29,72,.35);
  color: #fca5a5;
}

.gradient-white {
  background: linear-gradient(135deg, #fff 0%, #f87171 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Partner Cards */
.partner-card {
  background: rgba(255,255,255,.03);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: transform .35s ease, border-color .35s ease, box-shadow .35s ease;
}
.partner-card:hover {
  transform: translateY(-6px);
  border-color: rgba(225,29,72,.4);
  box-shadow: 0 24px 60px rgba(225,29,72,.15);
}
.connector-card:hover {
  border-color: rgba(249,115,22,.4);
  box-shadow: 0 24px 60px rgba(249,115,22,.12);
}

.partner-card-img {
  position: relative;
  height: 200px;
  overflow: hidden;
}
.partner-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .5s ease;
}
.partner-card:hover .partner-card-img img { transform: scale(1.05); }
.partner-card-img-badge {
  position: absolute;
  bottom: 1rem; left: 1rem;
  background: var(--crimson);
  color: #fff;
  font-size: .78rem;
  font-weight: 700;
  padding: .35rem .85rem;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: .03em;
}
.connector-badge { background: var(--orange); }

.partner-card-body {
  padding: 1.75rem;
}
.partner-card-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 1rem;
}
.partner-card-body h3 {
  color: #fff;
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: .6rem;
  display: flex; align-items: center; gap: .5rem; flex-wrap: wrap;
}
.partner-card-body > p {
  color: rgba(255,255,255,.6);
  font-size: .9rem;
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

.partner-tag {
  display: inline-block;
  background: rgba(225,29,72,.2);
  color: #fca5a5;
  font-size: .68rem;
  font-weight: 700;
  padding: .2rem .65rem;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: .04em;
  vertical-align: middle;
}
.connector-tag {
  background: rgba(249,115,22,.2);
  color: #fdba74;
}

.partner-benefits {
  list-style: none;
  padding: 0; margin: 0 0 1.25rem;
  display: flex; flex-direction: column; gap: .5rem;
}
.partner-benefits li {
  color: rgba(255,255,255,.75);
  font-size: .87rem;
  display: flex; align-items: center;
}
.partner-benefits .fa-check-circle { color: #4ade80 !important; }

.partner-earn-badge {
  background: linear-gradient(135deg, rgba(225,29,72,.25), rgba(225,29,72,.1));
  border: 1px solid rgba(225,29,72,.3);
  color: #fca5a5;
  font-weight: 700;
  font-size: .88rem;
  padding: .7rem 1rem;
  border-radius: var(--radius-md);
  display: flex; align-items: center;
}
.connector-earn {
  background: linear-gradient(135deg, rgba(249,115,22,.25), rgba(249,115,22,.1));
  border-color: rgba(249,115,22,.3);
  color: #fdba74;
}

.btn-orange {
  background: linear-gradient(135deg, var(--orange), #ea580c);
  color: #fff;
  border: none;
  padding: .75rem 1.5rem;
  border-radius: var(--radius-md);
  font-weight: 700;
  transition: all .25s;
}
.btn-orange:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(249,115,22,.4); color: #fff; }

/* Partner Stats Bar */
.partner-stats-bar {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-xl);
  padding: 2rem;
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 1rem;
  flex-wrap: wrap;
}
.psb-item {
  text-align: center;
  flex: 1;
  min-width: 120px;
}
.psb-item i {
  font-size: 1.5rem;
  color: var(--crimson);
  display: block;
  margin-bottom: .4rem;
}
.psb-item .num {
  font-size: 1.8rem;
  font-weight: 900;
  color: #fff;
  display: block;
  line-height: 1.1;
}
.psb-item span {
  color: rgba(255,255,255,.5);
  font-size: .8rem;
  font-weight: 500;
}
.psb-divider {
  width: 1px;
  height: 50px;
  background: rgba(255,255,255,.1);
  flex-shrink: 0;
}
@media (max-width: 576px) {
  .psb-divider { display: none; }
  .partner-stats-bar { gap: 1.5rem; }
}

/* ═══════════════════════════════════════════════════════════
   INSURANCE CARDS
═══════════════════════════════════════════════════════════ */
.ins-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.ins-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(225,29,72,.25);
}
.ins-card-img {
  position: relative;
  height: 180px;
  overflow: hidden;
}
.ins-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .5s ease;
}
.ins-card:hover .ins-card-img img { transform: scale(1.06); }
.ins-card-icon {
  position: absolute;
  bottom: -20px; left: 1.25rem;
  width: 44px; height: 44px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  border: 3px solid var(--surface);
  z-index: 1;
}
.ins-card-body {
  padding: 2.25rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.ins-card-body .ins-features {
  flex: 1;
}
.ins-card-body h5 {
  font-size: 1rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: .5rem;
}
.ins-card-body > p {
  font-size: .83rem;
  color: var(--text-mid);
  line-height: 1.55;
  margin-bottom: 1rem;
}
.ins-features {
  list-style: none;
  padding: 0; margin: 0 0 1.25rem;
  display: flex; flex-direction: column; gap: .35rem;
}
.ins-features li {
  font-size: .8rem;
  color: var(--text-mid);
  display: flex; align-items: center;
  padding: .3rem 0;
  border-bottom: 1px solid var(--border);
}
.ins-features .fa-check-circle { color: #16a34a; font-size: .7rem; }

/* ═══════════════════════════════════════════════════════════
   INVESTMENT CARDS
═══════════════════════════════════════════════════════════ */
.inv-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.inv-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(225,29,72,.25);
}
.inv-card-img {
  position: relative;
  height: 160px;
  overflow: hidden;
}
.inv-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .5s ease;
}
.inv-card:hover .inv-card-img img { transform: scale(1.06); }
.inv-risk-badge {
  position: absolute;
  top: .75rem; right: .75rem;
  font-size: .72rem;
  font-weight: 700;
  padding: .25rem .65rem;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: .03em;
}
.inv-card-body {
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.inv-card-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  margin-bottom: .75rem;
}
.inv-card-body h5 {
  font-size: 1rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: .4rem;
}
.inv-card-body > p {
  font-size: .82rem;
  color: var(--text-mid);
  line-height: 1.55;
  flex: 1;
}
.inv-horizon {
  font-size: .78rem;
  color: var(--text-muted);
  margin: .75rem 0;
  display: flex; align-items: center; gap: .3rem;
}

/* ═══════════════════════════════════════════════════════════
   HERO TRUST BADGES
═══════════════════════════════════════════════════════════ */
.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: .6rem;
}
.htb {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.85);
  font-size: .78rem;
  font-weight: 600;
  padding: .35rem .9rem;
  border-radius: 999px;
  backdrop-filter: blur(6px);
}

/* ═══════════════════════════════════════════════════════════
   HERO BACKGROUND IMAGE SLIDER
═══════════════════════════════════════════════════════════ */
.hero-slider {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}

/* Each slide is a full-cover layer — uses <img> so browser always preloads */
.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  /* Ken Burns: start slightly zoomed in, zoom out while visible */
  transform: scale(1.08);
  transition: opacity 1.2s ease-in-out;
  will-change: opacity, transform;
}
.hero-slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
  /* Ken Burns zoom animation kicks in when slide becomes active */
  transform: scale(1.08);
  transition: transform 7s ease-out;
}
.hero-slide.active {
  opacity: 1;
}
.hero-slide.active img {
  transform: scale(1);
}

/* Layered dark overlay — heavier at edges, lighter in centre */
.hero-slide-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg,
      rgba(10,10,10,.80) 0%,
      rgba(10,10,10,.50) 38%,
      rgba(10,10,10,.58) 68%,
      rgba(10,10,10,.85) 100%
    );
  z-index: 1;
}

/* Slide indicator dots */
.hero-slide-dots {
  position: absolute;
  bottom: 1.75rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: .5rem;
  z-index: 4;
}
.hsd {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,.35);
  border: 1px solid rgba(255,255,255,.5);
  cursor: pointer;
  transition: all .4s ease;
  display: block;
}
.hsd.active {
  width: 26px;
  border-radius: 4px;
  background: var(--crimson);
  border-color: var(--crimson);
  box-shadow: 0 0 8px rgba(225,29,72,.6);
}

/* Hero content must sit above slider + overlay */
.hero-section > .container {
  position: relative;
  z-index: 3;
}

/* Crimson / orange glow pseudo-elements above overlay, below content */
.hero-section::before,
.hero-section::after {
  z-index: 2;
}

/* ═══════════════════════════════════════════════════════════
   CORE TEAM CARDS
═══════════════════════════════════════════════════════════ */
.team-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  text-align: center;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.team-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(225,29,72,.12);
  border-color: rgba(225,29,72,.3);
}
.team-card-img {
  position: relative;
  height: 220px;
  overflow: hidden;
  background: #f1f5f9;
}
.team-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top center;
  transition: transform .5s ease;
}
.team-card:hover .team-card-img img { transform: scale(1.05); }
.team-initials {
  width: 100%; height: 100%;
  display: flex; align-items: center; justify-content: center;
  font-size: 3rem; font-weight: 900; color: white;
  letter-spacing: .05em;
}
.team-card-body {
  padding: 1.5rem 1.25rem;
}
.team-card-body h5 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: .25rem;
}
.team-position {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  color: var(--crimson);
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-bottom: .75rem;
}
.team-bio {
  font-size: .82rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin: 0;
}

/* ═══════════════════════════════════════════════════════════
   TEAM GRID — 5 columns desktop · Premium UI
═══════════════════════════════════════════════════════════ */
.team-section-bg { background: linear-gradient(160deg,#fafbff 0%,#f0f4f8 100%); }

.team-grid-5 {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.5rem;
}
@media (max-width: 1199px) { .team-grid-5 { grid-template-columns: repeat(3, 1fr); gap: 1.25rem; } }
@media (max-width: 767px)  { .team-grid-5 { grid-template-columns: repeat(2, 1fr); gap: 1rem; } }
@media (max-width: 420px)  { .team-grid-5 { grid-template-columns: repeat(2, 1fr); gap: .75rem; } }

/* ── Card shell ── */
.team-card-v2 {
  background: #fff;
  border-radius: 20px;
  overflow: hidden;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0,0,0,.07);
  transition: transform .35s ease, box-shadow .35s ease;
  position: relative;
}
/* Crimson accent bar top */
.team-card-v2::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--crimson), #f97316);
  z-index: 2;
}
.team-card-v2:hover {
  transform: translateY(-10px);
  box-shadow: 0 24px 56px rgba(225,29,72,.15);
}

/* ── Image area — uniform portrait crop ── */
.team-card-v2-img {
  position: relative;
  aspect-ratio: 4 / 5;
  background: #eef1f5;
  overflow: hidden;
}
.team-card-v2-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;   /* keeps face in frame */
  transition: transform .5s ease;
  display: block;
}
.team-card-v2:hover .team-card-v2-img img { transform: scale(1.06); }

/* Subtle bottom gradient so name strip blends in */
.team-card-v2-img::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 48px;
  background: linear-gradient(to top, rgba(0,0,0,.18), transparent);
  pointer-events: none;
}

.team-initials-v2 {
  width: 100%; height: 100%;
  align-items: center; justify-content: center;
  font-size: 2.6rem; font-weight: 900; color: #fff;
  letter-spacing: .04em;
}

/* ── Name / role strip ── */
.team-card-v2-body {
  padding: .9rem .75rem 1rem;
  background: #fff;
}
.team-card-v2-body h5 {
  font-size: .92rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: .18rem;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.team-card-v2-body .team-position {
  display: inline-block;
  font-size: .68rem;
  font-weight: 700;
  color: var(--crimson);
  text-transform: uppercase;
  letter-spacing: .07em;
  margin: 0;
}

/* ═══════════════════════════════════════════════════════════
   AWARDS & CERTIFICATES AUTO-SCROLL MARQUEE
═══════════════════════════════════════════════════════════ */
.awards-section { overflow: hidden; }

.awards-marquee-wrap {
  position: relative;
  width: 100%;
  max-width: 100%;
  overflow: hidden;
  /* Fade edges for a polished look */
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, black 8%, black 92%, transparent 100%);
  mask-image:         linear-gradient(90deg, transparent 0%, black 8%, black 92%, transparent 100%);
  padding: 1rem 0 .5rem;
}

.awards-marquee {
  display: flex;
  gap: 2rem;
  width: max-content;
  will-change: transform;
  animation: awards-scroll 40s linear infinite;
}
.awards-marquee:hover { animation-play-state: paused; }

@keyframes awards-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.award-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
  width: 352px;
}
.award-item a.award-lightbox-link {
  display: block;
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  cursor: zoom-in;
  text-decoration: none;
}
.award-item img {
  width: 352px;
  height: 272px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  background: white;
  border: 1px solid var(--border);
  padding: .5rem;
  box-shadow: var(--shadow-md);
  transition: transform .35s ease, box-shadow .35s ease;
  display: block;
}
.award-item a.award-lightbox-link:hover img {
  transform: scale(1.04);
  box-shadow: 0 16px 48px rgba(225,29,72,.2);
}
/* No title labels shown */
.award-item span { display: none; }

/* Pause on reduced motion */
@media (prefers-reduced-motion: reduce) {
  .awards-marquee { animation: none; }
}

/* ═══════════════════════════════════════════════════════════
   TEAM GRID — 5 cols desktop responsive
═══════════════════════════════════════════════════════════ */
.team-grid-5 {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.5rem;
}
.team-card-v2 {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 4px 20px rgba(0,0,0,.07);
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease;
  position: relative;
}
.team-card-v2::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--crimson), #f97316);
}
.team-card-v2:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(225,29,72,.12);
}
.team-card-v2-img {
  aspect-ratio: 4/5;
  overflow: hidden;
  position: relative;
}
.team-card-v2-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top center;
  transition: transform .5s ease;
}
.team-card-v2:hover .team-card-v2-img img { transform: scale(1.05); }
.team-card-v2-img::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 48px;
  background: linear-gradient(0deg, rgba(0,0,0,.35), transparent);
}
.team-card-v2-body {
  padding: 1rem;
  text-align: center;
}
.team-card-v2-body h5 {
  font-size: .92rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: .2rem;
}
.team-card-v2-body .team-position {
  font-size: .7rem;
}

@media (max-width: 1199px) {
  .team-grid-5 { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 767px) {
  .team-grid-5 { grid-template-columns: repeat(2, 1fr); gap: 1rem; }
}
@media (max-width: 420px) {
  .team-grid-5 { grid-template-columns: 1fr 1fr; gap: .75rem; }
}

/* ═══════════════════════════════════════════════════════════
   GLOBAL MOBILE RESPONSIVE OVERRIDES
═══════════════════════════════════════════════════════════ */

/* Prevent horizontal overflow on all screens */
html, body { overflow-x: hidden; max-width: 100%; }

/* Nuclear catch-all: every section/div that could overflow horizontally */
section, header, footer, .marquee-section, .awards-marquee-wrap {
  max-width: 100%;
  overflow-x: hidden;
}
* { box-sizing: border-box; }
img { max-width: 100%; height: auto; }

/* ── WhatsApp + Scroll-to-top — mobile sizing (left-anchored to avoid scroll bug) ── */
@media (max-width: 767px) {
  .whatsapp-float {
    width: 48px; height: 48px;
    font-size: 1.3rem;
    bottom: 4.5rem;
    left: calc(100vw - 48px - 1rem);
  }
  #scrollTop {
    width: 38px; height: 38px;
    font-size: .8rem;
    bottom: 1rem;
    left: calc(100vw - 38px - 1rem);
  }
}

/* ── Navbar brand text — prevent overflow ── */
@media (max-width: 400px) {
  .brand-name { font-size: .85rem; }
  .brand-sub  { font-size: .65rem; }
  .navbar-brand-logo { gap: .4rem; }
}

/* ── Hero section ── */
@media (max-width: 767px) {
  .hero-section { padding: 2.5rem 0 3rem; }
  .hero-content h1 { font-size: 1.7rem; line-height: 1.25; }
  .hero-content p  { font-size: .9rem; }
  .hero-trust-badges { gap: .4rem; }
  .htb { font-size: .72rem; padding: .3rem .7rem; }
  .hero-slide-dots { bottom: 1rem; }
}

/* ── Page hero (inner pages) ── */
@media (max-width: 767px) {
  .page-hero { padding: 3rem 0 2rem; }
  .page-hero h1 { font-size: 1.6rem; }
  .page-hero p  { font-size: .88rem; }
}

/* ── Section headings ── */
@media (max-width: 767px) {
  .section-title { font-size: 1.5rem !important; }
  .section-sub   { font-size: .88rem; }
  .section-pad   { padding: 2.5rem 0; }
}

/* ── CTA banner ── */
@media (max-width: 767px) {
  .cta-banner { padding: 2.5rem 0; }
  .cta-banner h2 { font-size: 1.5rem; }
  .cta-banner p  { font-size: .9rem; margin-bottom: 1.25rem; }
  .cta-btn-group {
    flex-direction: column;
    align-items: center;
    gap: .75rem;
  }
  .cta-btn-group .btn { width: 100%; max-width: 280px; }
}

/* ── Stats grid ── */
@media (max-width: 576px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 1rem; }
  .stat-num   { font-size: 1.4rem; }
}

/* ── Why feature cards (loan pages) ── */
@media (max-width: 576px) {
  .why-feature-card { padding: .85rem; }
  .wf-icon { width: 36px; height: 36px; font-size: .9rem; }
  .why-feature-card h6 { font-size: .82rem; }
  .why-feature-card p  { font-size: .75rem; }
}

/* ── Rate card ── */
@media (max-width: 576px) {
  .rate-card { padding: 1rem; }
  .rate-card .val { font-size: 1.4rem; }
}

/* ── Process steps ── */
@media (max-width: 576px) {
  .process-step { padding: 1.25rem; }
  .process-step h6 { font-size: .9rem; }
}

/* ── FAQ accordion ── */
@media (max-width: 576px) {
  .faq-accordion .accordion-button { font-size: .88rem; padding: .9rem 1rem; }
  .faq-accordion .accordion-body   { font-size: .83rem; padding: .75rem 1rem; }
}

/* ── Loan eligibility / document list ── */
@media (max-width: 576px) {
  .eligibility-list li,
  .docs-list li { font-size: .83rem; }
}

/* ── Partner cards (DSA / Connector) ── */
@media (max-width: 576px) {
  .partner-card-body { padding: 1.25rem; }
  .partner-card-body h3 { font-size: 1.1rem; }
  .partner-card-img { height: 160px; }
  .partner-stats-bar { padding: 1.25rem; }
  .psb-item .num { font-size: 1.4rem; }
}

/* ── Insurance cards ── */
@media (max-width: 576px) {
  .ins-card-img { height: 150px; }
  .ins-card-body { padding: 1.75rem 1.1rem 1.1rem; }
}

/* ── Investment cards ── */
@media (max-width: 576px) {
  .inv-card-img { height: 130px; }
  .inv-card-body { padding: 1.1rem; }
}

/* ── Footer ── */
@media (max-width: 767px) {
  .site-footer { padding: 2.5rem 0 0; }
  .footer-logo .name { font-size: 1rem; }
  .footer-contact-item { gap: .5rem; }
  .footer-contact-item .txt { font-size: .83rem; }
  .footer-links a { font-size: .83rem; }
  .social-icons a { width: 32px; height: 32px; font-size: .8rem; }
}
@media (max-width: 576px) {
  .footer-bottom-inner {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: .5rem;
    padding: 1rem 0;
  }
  .fb-links { display: flex; flex-wrap: wrap; justify-content: center; gap: .5rem; }
}

/* ── About page — CEO section ── */
@media (max-width: 767px) {
  .ceo-img-wrap { margin-bottom: 1.5rem; }
  .milestone-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 1rem; }
}
@media (max-width: 480px) {
  .milestone-grid { grid-template-columns: 1fr !important; }
}

/* ── Contact form layout ── */
@media (max-width: 576px) {
  .contact-info-card { padding: 1.25rem; }
  .contact-info-item { gap: .75rem; }
}

/* ── Blog cards ── */
@media (max-width: 576px) {
  .blog-card-body { padding: 1.1rem; }
  .blog-card-title { font-size: .95rem; }
}

/* ── Service image strip ── */
@media (max-width: 480px) {
  .svc-img-strip { grid-template-columns: repeat(2, 1fr); gap: .6rem; }
}

/* ── Awards section ── */
@media (max-width: 576px) {
  .awards-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 1rem; }
}

/* ── Loan page form (sidebar) ── */
@media (max-width: 991px) {
  .loan-enquiry-sidebar { margin-top: 2rem; }
}
@media (max-width: 576px) {
  .loan-enquiry-sidebar .admin-form-card { padding: 1.25rem; }
}

/* ── Tables — make horizontally scrollable ── */
@media (max-width: 767px) {
  .table-responsive-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  table { min-width: 500px; }
}

/* ── Buttons — full width on very small screens ── */
@media (max-width: 400px) {
  .hero-cta-group { flex-direction: column; }
  .hero-cta-group .btn { width: 100%; justify-content: center; }
}

/* ── Rate cards premium grid ── */
@media (max-width: 576px) {
  .rate-card-premium { padding: 1.1rem; }
  .rate-card-premium .rate-val { font-size: 1.3rem; }
}

/* ── Topbar — mobile: show only toll-free & email ── */
@media (max-width: 991px) {
  .topbar { padding: .35rem 0; }
  .topbar-inner { justify-content: center; gap: .75rem; }
  .topbar-left { gap: .75rem; justify-content: center; flex-wrap: nowrap; }
  .topbar-right { display: none; }
  .topbar-hide-mobile { display: none !important; }
  .topbar-left a, .topbar-left span {
    font-size: .72rem;
    gap: .3rem;
    white-space: nowrap;
  }
}

/* ── Navbar dropdown full-width on mobile ── */
@media (max-width: 991px) {
  .navbar-main .dropdown-menu {
    border: none;
    background: #fff;
    padding-left: 1rem;
    box-shadow: none;
  }
  .navbar-main .dropdown-item {
    color: #333;
    font-size: .88rem;
    padding: .4rem .75rem;
  }
  .navbar-main .dropdown-item:hover { background: rgba(225,29,72,.07); color: var(--crimson); }
  .navbar-main .nav-cta { margin: .5rem 0; display: inline-block; }
}

/* ── General spacing on mobile ── */
@media (max-width: 576px) {
  .container { padding-left: 1rem; padding-right: 1rem; }
  h2 { font-size: 1.5rem; }
  h3 { font-size: 1.2rem; }
}

/* ══════════════════════════════════════════════════════════════
   TEAM CARDS — About Page
   ══════════════════════════════════════════════════════════════ */
.team-card {
  background: #fff;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(0,0,0,.07);
  transition: transform .3s ease, box-shadow .3s ease;
}
.team-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(225,29,72,.15);
}
.team-photo-wrap {
  width: 100%;
  aspect-ratio: 1 / 1;
  overflow: hidden;
  background: #f1f5f9;
}
.team-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  transition: transform .4s ease;
}
.team-card:hover .team-photo { transform: scale(1.05); }
.team-info {
  padding: 1.25rem 1rem 1.5rem;
}
.team-name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: .2rem;
}
.team-position {
  font-size: .78rem;
  font-weight: 600;
  color: var(--crimson);
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: .6rem;
}
.team-bio {
  font-size: .8rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
}

/* ══════════════════════════════════════════════════════════════
   BANK PARTNER LOGOS — partner-logo-img defined above near .partner-item
   ══════════════════════════════════════════════════════════════ */

/* ══════════════════════════════════════════════════════════════
   ACHIEVEMENT / VIVEK BINDRA SECTION
   ══════════════════════════════════════════════════════════════ */
.achievement-section {
  background: linear-gradient(135deg, #fff9f0 0%, #fff5f5 100%);
  border-top: 1px solid #f3e8d8;
  border-bottom: 1px solid #f3e8d8;
}
.achievement-photo-wrap {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(225,29,72,.2);
}
.achievement-photo-wrap img {
  width: 100%;
  display: block;
  object-fit: cover;
  border-radius: 20px;
}
.achievement-badge {
  position: absolute;
  bottom: -1px;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  color: #fff;
  font-size: .8rem;
  font-weight: 700;
  padding: .5rem 1.5rem;
  border-radius: 50px 50px 0 0;
  white-space: nowrap;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.achievement-content .eyebrow { margin-bottom: .75rem; }
.achievement-content h2 { font-size: 2rem; line-height: 1.2; }
.achievement-content p { color: var(--text-mid); line-height: 1.8; font-size: .97rem; }
.achievement-quote {
  border-left: 4px solid var(--crimson);
  padding: 1rem 1.5rem;
  background: rgba(225,29,72,.04);
  border-radius: 0 12px 12px 0;
  font-style: italic;
  font-size: 1.05rem;
  color: var(--dark);
  margin: 1.5rem 0;
}
.achievement-speaker-tag {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: linear-gradient(135deg, #fff3cd, #fde68a);
  color: #92400e;
  padding: .4rem 1rem;
  border-radius: 50px;
  font-size: .82rem;
  font-weight: 700;
  border: 1px solid #fcd34d;
}