/* ==========================================================
   DHANVARSHA CAPITAL — design tokens
   Color:  Brand cranberry #7A1330 · Ember gold #C89B3C
           Parchment #F6F1E7 · Ink #201A18 · Rose tint #FBEEF0
   Type:   Fraunces (display) / Manrope (ui) / IBM Plex Mono (labels)
   ========================================================== */

:root{
  --brand:      #7A1330;
  --brand-dark: #52091f;
  --gold:       #C89B3C;
  --gold-light: #E8C879;
  --parchment:  #F6F1E7;
  --rose:       #FBEEF0;
  --ink:        #201A18;
  --ink-soft:   #5c524d;
  --white:      #ffffff;

  --font-display: "Fraunces", serif;
  --font-body:    "Manrope", sans-serif;
  --font-mono:    "IBM Plex Mono", monospace;

  --header-h: 84px;
  --ease: cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--parchment);
  -webkit-font-smoothing: antialiased;
}
img,video{ max-width:100%; display:block; }
a{ text-decoration:none; color:inherit; }
button{ font-family: inherit; cursor:pointer; }

@media (prefers-reduced-motion: reduce){
  *{ animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---------------- buttons ---------------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.92rem;
  letter-spacing: .1px;
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), background .25s ease, color .25s ease, border-color .25s ease;
  white-space: nowrap;
}
.btn-solid{ background: var(--gold); color: var(--brand-dark); }
.btn-solid:hover{ background: var(--gold-light); transform: translateY(-2px); }
.btn-ghost{ background: transparent; color: var(--ink); border-color: rgba(32,26,24,0.25); }
.btn-ghost:hover{ border-color: var(--brand); color: var(--brand); }
.btn-lg{ padding: 15px 30px; font-size: 1rem; }
.btn-text{ color: var(--white); font-weight: 700; gap:6px; }
.btn-text svg{ transition: transform .25s var(--ease); }
.btn-text:hover svg{ transform: translateX(4px); }
.btn-block{ width:100%; }

/* ==========================================================
   HEADER / NAVBAR
   ========================================================== */
.site-header{
  position: fixed; top:0; left:0; right:0;
  height: var(--header-h);
  z-index: 500;
  transition: background .35s var(--ease), box-shadow .35s var(--ease), height .35s var(--ease);
}
.site-header.scrolled{
  background: rgba(32,16,20,0.92);
  backdrop-filter: blur(10px);
  box-shadow: 0 6px 24px rgba(0,0,0,.18);
  height: 68px;
}
.nav-inner{
  max-width: 1360px; margin:0 auto; height:100%;
  padding: 0 28px;
  display:flex; align-items:center; justify-content:space-between;
  gap: 24px;
}
.brand{ display:flex; align-items:center; gap:10px; flex-shrink:0; }
.brand-mark{
  width:38px; height:38px; border-radius:10px;
  background: linear-gradient(145deg, var(--gold), var(--gold-light));
  color: var(--brand-dark);
  display:flex; align-items:center; justify-content:center;
  font-family: var(--font-display); font-weight:700; font-size:1.2rem;
}
.brand-name{
  font-family: var(--font-display); font-weight:600; font-size:1.15rem;
  color: var(--white); letter-spacing:.2px;
}
.brand-name em{ font-style:normal; color: var(--gold-light); }

.nav-links{
  display:flex; align-items:center; gap: 6px;
  flex:1; justify-content:center;
}
.nav-link{
  color: rgba(255,255,255,0.85);
  font-weight: 600; font-size: 0.95rem;
  padding: 10px 16px; border-radius: 999px;
  position: relative;
  transition: color .2s ease, background .2s ease;
}
.nav-link:hover, .nav-link.active{ color: var(--white); background: rgba(255,255,255,0.1); }
.nav-link.active::after{
  content:""; position:absolute; left:16px; right:16px; bottom:4px; height:2px;
  background: var(--gold-light); border-radius:2px;
}
.nav-actions{ display:flex; align-items:center; gap:12px; flex-shrink:0; }
.nav-actions .btn-ghost{ color: var(--white); border-color: rgba(255,255,255,0.35); }
.nav-actions .btn-ghost:hover{ border-color: var(--gold-light); color: var(--gold-light); }

.nav-cta-mobile{ display:none; }

/* hamburger — 3 bars morphing to X */
.hamburger{
  display:none;
  width: 42px; height:42px;
  border:none; background: rgba(255,255,255,0.08);
  border-radius: 10px;
  flex-direction:column; align-items:center; justify-content:center; gap:5px;
  flex-shrink:0;
}
.hamburger span{
  width:20px; height:2px; background:var(--white); border-radius:2px;
  transition: transform .3s var(--ease), opacity .25s ease, background .25s ease;
}
.hamburger.open span:nth-child(1){ transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2){ opacity:0; }
.hamburger.open span:nth-child(3){ transform: translateY(-7px) rotate(-45deg); }

.nav-overlay{
  display:none;
  position: fixed; inset:0;
  background: rgba(20,8,11,0.55);
  opacity:0; pointer-events:none;
  transition: opacity .3s ease;
  z-index: 490;
}
.nav-overlay.show{ opacity:1; pointer-events:auto; }

/* ---------------- responsive navbar ---------------- */
@media (max-width: 900px){
  .nav-actions{ display:none; }
  .hamburger{ display:flex; }
  .nav-overlay{ display:block; }

  .nav-links{
    position: fixed; top:0; right:0; height:100vh;
    width: min(320px, 84vw);
    background: linear-gradient(180deg, var(--brand-dark), var(--brand));
    flex-direction: column; align-items: stretch;
    justify-content:flex-start;
    padding: 110px 26px 40px;
    gap: 4px;
    transform: translateX(100%);
    transition: transform .4s var(--ease);
    z-index: 495;
  }
  .nav-links.open{ transform: translateX(0); }
  .nav-link{ padding: 14px 16px; font-size: 1.05rem; }
  .nav-link.active::after{ display:none; }
  .nav-link.active{ background: rgba(255,255,255,0.14); }
  .nav-cta-mobile{
    display:flex; flex-direction:column; gap:12px;
    margin-top: 22px; padding-top: 22px;
    border-top: 1px solid rgba(255,255,255,0.15);
  }
  .nav-cta-mobile .btn-ghost{ color:var(--white); border-color: rgba(255,255,255,0.35); }
}

/* ==========================================================
   HERO — crossfading background video slider
   ========================================================== */
.hero{
  position: relative;
  height: 100svh;
  min-height: 560px;
  overflow: hidden;
  display:flex; flex-direction:column; justify-content:center;
  color: var(--white);
}

.hero-video-layer{
  position:absolute; inset:0;
  background: var(--brand-dark); /* fallback while media loads */
}
.media-slot{
  position:absolute; inset:0;
  opacity:0;
  transition: opacity 1.1s ease;
  will-change: opacity;
}
.media-slot.active{ opacity:1; }
.media-el{
  position:absolute; inset:0;
  width:100%; height:100%;
  object-fit: cover; object-position: center;
  display:none; /* JS shows either the <video> or the <img> inside each slot */
}
.media-el.is-shown{ display:block; }

.hero-scrim{
  position:absolute; inset:0;
  background:
    linear-gradient(100deg, rgba(20,6,10,0.86) 0%, rgba(20,6,10,0.55) 42%, rgba(20,6,10,0.25) 68%, rgba(20,6,10,0.15) 100%),
    linear-gradient(0deg, rgba(10,4,6,0.5), rgba(10,4,6,0) 45%);
}

.hero-content{
  position:relative; z-index:2;
  max-width: 1360px; width:100%;
  margin: 0 auto; padding: calc(var(--header-h) + 24px) 28px 40px;
}
.eyebrow{
  font-family: var(--font-mono);
  font-size: 0.78rem; letter-spacing:.06em; text-transform:uppercase;
  color: var(--gold-light);
  margin: 0 0 18px;
  opacity: 0; transform: translateY(10px);
  animation: rise .7s var(--ease) .15s forwards;
}
.hero-title{
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(2.4rem, 6vw, 4.6rem);
  line-height: 1.04;
  margin: 0 0 22px;
  max-width: 780px;
  opacity: 0; transform: translateY(16px);
  animation: rise .8s var(--ease) .28s forwards;
}
.hero-title .hl{ color: var(--gold-light); font-style: italic; }
.hero-sub{
  font-size: 1.05rem;
  line-height:1.6;
  color: rgba(255,255,255,0.86);
  max-width: 520px;
  margin: 0 0 34px;
  opacity: 0; transform: translateY(16px);
  animation: rise .8s var(--ease) .4s forwards;
}
.hero-actions{
  display:flex; align-items:center; gap: 28px; flex-wrap: wrap;
  opacity: 0; transform: translateY(16px);
  animation: rise .8s var(--ease) .52s forwards;
}

@keyframes rise{ to{ opacity:1; transform:none; } }

/* ---- controls: prev/next + progress "stubs" (signature element) ---- */
.hero-controls{
  position:relative; z-index:2;
  display:flex; align-items:center; gap:18px;
  max-width: 1360px; width:100%;
  margin: 0 auto; padding: 0 28px 34px;
}
.arrow-btn{
  width:40px; height:40px; border-radius:50%;
  border: 1px solid rgba(255,255,255,0.35);
  background: rgba(255,255,255,0.06);
  color: var(--white);
  display:flex; align-items:center; justify-content:center;
  transition: background .2s ease, border-color .2s ease, transform .2s ease;
  flex-shrink:0;
}
.arrow-btn:hover{ background: var(--gold); border-color: var(--gold); color: var(--brand-dark); transform: scale(1.06); }

.stubs{ display:flex; align-items:center; gap:10px; }
.stub{
  position:relative;
  width: 46px; height:4px; border-radius:3px;
  background: rgba(255,255,255,0.28);
  overflow:hidden;
  cursor:pointer;
}
.stub i{
  position:absolute; left:0; top:0; bottom:0; width:0%;
  background: var(--gold-light);
  border-radius:3px;
}
.stub.filled i{ width:100%; }
.stub.running i{ width:0%; animation: fillStub linear forwards; }
@keyframes fillStub{ to{ width:100%; } }

.scroll-cue{
  position:absolute; right: 28px; bottom: 30px; z-index:2;
  display:flex; align-items:center; gap:10px;
  color: rgba(255,255,255,0.75);
  font-size: 0.75rem; letter-spacing:.08em; text-transform:uppercase;
  font-family: var(--font-mono);
}
.scroll-line{ width:1px; height:34px; background: rgba(255,255,255,0.3); position:relative; overflow:hidden; }
.scroll-line i{
  position:absolute; left:0; top:-100%; width:100%; height:100%;
  background: var(--gold-light);
  animation: scrollDrip 1.8s ease-in-out infinite;
}
@keyframes scrollDrip{
  0%{ top:-100%; } 50%{ top:0; } 100%{ top:100%; }
}
@media (max-width: 700px){ .scroll-cue{ display:none; } }

/* ==========================================================
   QUICK STRIP under hero
   ========================================================== */
.quick-strip{
  background: var(--white);
  display:grid; grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background-color: #ece3d4;
}
.quick-item{
  background: var(--white);
  padding: 40px 34px;
  display:flex; gap:18px; align-items:flex-start;
}
.quick-icon{
  font-size: 1.6rem; color: var(--brand);
  width:48px; height:48px; border-radius:12px;
  background: var(--rose);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.quick-item h3{
  font-family: var(--font-display); font-size:1.05rem; margin: 2px 0 8px; font-weight:600;
}
.quick-item p{ margin:0; color: var(--ink-soft); font-size:0.92rem; line-height:1.55; }

@media (max-width: 860px){
  .quick-strip{ grid-template-columns: 1fr; }
}

/* ---------------- small screens fine-tuning ---------------- */
@media (max-width: 520px){
  .hero-content{ padding-top: calc(var(--header-h) + 10px); }
  .hero-actions{ gap:18px; }
  .hero-controls{ padding-bottom: 24px; }
  .stub{ width: 30px; }
}

/* ==========================================================
   SHARED SECTION HEAD
   ========================================================== */
.section-head{
  display:flex; align-items:flex-end; justify-content:space-between; gap: 24px;
  max-width: 1360px; margin: 0 auto; padding: 0 28px 40px;
  flex-wrap: wrap;
}
.eyebrow-dark{ color: var(--brand); }
.eyebrow-light{ color: var(--gold-light); }
.section-title{
  font-family: var(--font-display); font-weight:600;
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  margin: 0 0 10px; color: var(--ink); line-height:1.12;
}
.section-title.light{ color: var(--white); }
.section-sub{ color: var(--ink-soft); font-size:1rem; max-width:520px; margin:0; line-height:1.55; }
.section-sub.light{ color: rgba(255,255,255,0.78); }
.carousel-nav{ display:flex; gap:12px; flex-shrink:0; }
.arrow-btn-dark{ border-color: rgba(32,26,24,0.2); color: var(--ink); }
.arrow-btn-dark:hover{ background: var(--brand); border-color:var(--brand); color:var(--white); }
.link-more{ font-weight:700; font-size:0.9rem; color: var(--brand); display:inline-flex; gap:4px; align-items:center; }
.link-more.light{ color: var(--white); }
.link-more i{ font-style:normal; }

/* ==========================================================
   WHAT MAKES US SPECIAL — feature carousel
   ========================================================== */
.special{ padding: 84px 0 90px; background: var(--white); }
.feature-track{
  display:flex; gap: 22px; overflow-x:auto; scroll-behavior:smooth;
  padding: 4px 28px 14px; max-width:1360px; margin:0 auto;
  scrollbar-width:none;
}
.feature-track::-webkit-scrollbar{ display:none; }
.feature-card{
  flex: 0 0 300px; min-height: 230px;
  border-radius: 22px; padding: 30px 28px;
  color: var(--white);
  display:flex; flex-direction:column; justify-content:space-between;
  transition: transform .3s var(--ease);
}
.feature-card:hover{ transform: translateY(-6px); }
.feature-blue{ background: linear-gradient(150deg, #1c3a52, #234a68); }
.feature-orange{ background: linear-gradient(150deg, var(--brand-dark), var(--brand)); }
.feature-mark{ font-size:2rem; color: var(--gold-light); }
.feature-card h3{ font-family: var(--font-display); font-weight:500; font-size:1.2rem; line-height:1.35; margin: 18px 0 22px; }
.feature-card .link-more{ color: var(--gold-light); }

/* ==========================================================
   FINANCIAL CALCULATOR
   ========================================================== */
.calc-section{ background: var(--brand-dark); padding: 90px 0; color: var(--white); }
.calc-inner{
  max-width: 1360px; margin:0 auto; padding: 0 28px;
  display:grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items:center;
}
.calc-tabs{ display:flex; gap:10px; margin-top:30px; flex-wrap:wrap; }
.calc-tab{
  background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.75);
  border:1px solid rgba(255,255,255,0.2); border-radius:999px;
  padding: 9px 18px; font-size:0.85rem; font-weight:600;
}
.calc-tab.active{ background: var(--gold); color: var(--brand-dark); border-color:var(--gold); }

.calc-card{
  background: var(--parchment); color: var(--ink);
  border-radius: 24px; padding: 34px 32px;
  box-shadow: 0 30px 60px rgba(0,0,0,0.35);
}
.calc-card h3{ font-family: var(--font-display); font-weight:600; margin:0 0 22px; font-size:1.25rem; }
.calc-label{ display:block; font-size:0.85rem; font-weight:700; color:var(--ink-soft); margin: 18px 0 8px; }
.calc-input-row{
  display:flex; align-items:center; gap:6px;
  background: var(--white); border:1.5px solid #e6ddca; border-radius:12px;
  padding: 10px 14px;
}
.calc-prefix, .calc-suffix{ color: var(--ink-soft); font-weight:700; font-size:0.95rem; }
.calc-number{ border:none; outline:none; background:transparent; font-size:1.1rem; font-weight:700; font-family: var(--font-mono); width:100%; color:var(--ink); }
.calc-slider{
  -webkit-appearance:none; appearance:none; width:100%; height:5px;
  border-radius:3px; background: #e6ddca; margin: 14px 0 4px; cursor:pointer;
}
.calc-slider::-webkit-slider-thumb{
  -webkit-appearance:none; width:18px; height:18px; border-radius:50%;
  background: var(--brand); border:3px solid var(--white); box-shadow:0 1px 6px rgba(0,0,0,0.3);
}
.calc-slider::-moz-range-thumb{
  width:18px; height:18px; border-radius:50%; background: var(--brand);
  border:3px solid var(--white); box-shadow:0 1px 6px rgba(0,0,0,0.3);
}
.calc-range-labels{ display:flex; justify-content:space-between; font-size:0.72rem; color: var(--ink-soft); font-family: var(--font-mono); }

.calc-chart{ display:flex; gap:34px; align-items:flex-end; height:150px; margin: 30px 0 20px; padding-left:10px; }
.calc-bar-wrap{ text-align:center; flex:1; }
.calc-bar-wrap p{ margin: 10px 0 0; font-size:0.82rem; color: var(--ink-soft); font-weight:600; }
.calc-bar{
  width: 42px; margin: 0 auto; height: 12px;
  background: #cfc2a4; border-radius: 8px 8px 4px 4px;
  display:flex; align-items:flex-start; justify-content:center;
  transition: height .6s var(--ease);
  position:relative;
}
.calc-bar-gold{ background: linear-gradient(180deg, var(--gold-light), var(--gold)); }
.calc-bar span{
  position:absolute; top:-26px; font-size:0.78rem; font-weight:800; color: var(--ink);
  white-space:nowrap; font-family: var(--font-mono);
}
.calc-result{
  display:flex; align-items:center; justify-content:space-between;
  background: var(--rose); border-radius:14px; padding: 16px 18px; margin-bottom: 18px;
}
.calc-result span{ font-size:0.88rem; color: var(--ink-soft); font-weight:600; }
.calc-result strong{ font-family: var(--font-display); font-size:1.3rem; color: var(--brand); }

@media (max-width: 980px){
  .calc-inner{ grid-template-columns: 1fr; gap: 40px; }
}

/* ==========================================================
   INSURANCE
   ========================================================== */
.insurance{ background: var(--rose); padding: 90px 0; }
.insurance-grid{
  max-width:1360px; margin:0 auto; padding: 0 28px;
  display:grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
}
.ins-card{
  background: linear-gradient(160deg, var(--brand), var(--brand-dark));
  color: var(--white); border-radius:20px; padding: 30px 26px;
  transition: transform .3s var(--ease);
}
.ins-card:hover{ transform: translateY(-6px); }
.ins-icon{ font-size:1.8rem; color: var(--gold-light); margin-bottom:16px; }
.ins-card h3{ font-family: var(--font-display); font-weight:600; font-size:1.15rem; margin:0 0 8px; }
.ins-card p{ font-size:0.9rem; color: rgba(255,255,255,0.8); line-height:1.5; margin:0 0 20px; min-height:44px; }
.ins-actions{ display:flex; align-items:center; gap:18px; }
.ins-card .link-more{ color: var(--gold-light); }
.btn-sm{ padding: 9px 18px; font-size:0.82rem; }

@media (max-width: 980px){ .insurance-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px){ .insurance-grid{ grid-template-columns: 1fr; } }

/* ==========================================================
   SPOTLIGHT — quick actions carousel
   ========================================================== */
.spotlight{ background: var(--white); padding: 90px 0 100px; }
.spot-track{
  display:flex; gap:22px; overflow-x:auto; scroll-behavior:smooth;
  padding: 4px 28px 14px; max-width:1360px; margin:0 auto;
  scrollbar-width:none;
}
.spot-track::-webkit-scrollbar{ display:none; }
.spot-card{
  flex: 0 0 280px; border-radius:22px; padding: 28px 26px; color: var(--white);
  display:flex; flex-direction:column; gap:14px; min-height:210px;
  transition: transform .3s var(--ease);
}
.spot-card:hover{ transform: translateY(-6px); }
.spot-plum{ background: linear-gradient(150deg, #3a1c3d, #4c2650); }
.spot-ember{ background: linear-gradient(150deg, #7a3d13, #96501a); }
.spot-brand{ background: linear-gradient(150deg, var(--brand-dark), var(--brand)); }
.spot-mark{ font-size:1.6rem; }
.spot-card h3{ font-family: var(--font-display); font-weight:600; font-size:1.15rem; margin:0; }
.spot-card p{ font-size:0.88rem; color: rgba(255,255,255,0.8); line-height:1.5; margin:0; flex:1; }

/* ==========================================================
   FOOTER
   ========================================================== */
.site-footer{ background: var(--brand-dark); color: rgba(255,255,255,0.85); }
.footer-banner{ text-align:center; padding: 80px 28px 60px; border-bottom:1px solid rgba(255,255,255,0.12); }
.footer-banner p{ font-family: var(--font-mono); letter-spacing:.1em; text-transform:uppercase; font-size:0.8rem; color: var(--gold-light); margin:0 0 12px; }
.footer-banner h2{ font-family: var(--font-display); font-weight:600; font-size: clamp(1.6rem, 5vw, 3rem); color: var(--white); margin:0; line-height:1.15; }

.footer-columns{
  max-width:1360px; margin:0 auto; padding: 56px 28px;
  display:grid; grid-template-columns: repeat(4, 1fr); gap: 30px;
}
.footer-col h4{ color: var(--white); font-family: var(--font-display); font-weight:600; font-size:1rem; margin:0 0 18px; }
.footer-col a{ display:block; font-size:0.88rem; color: rgba(255,255,255,0.68); margin-bottom:12px; transition: color .2s ease; }
.footer-col a:hover{ color: var(--gold-light); }

.footer-mid{
  max-width:1360px; margin:0 auto; padding: 30px 28px;
  border-top:1px solid rgba(255,255,255,0.12);
  display:flex; flex-wrap:wrap; gap: 40px; align-items:center; justify-content:space-between;
}
.footer-mid h4{ color: var(--white); font-family: var(--font-display); font-weight:600; font-size:0.95rem; margin:0 0 12px; }
.social-row{ display:flex; gap:12px; }
.social-row a{
  width:38px; height:38px; border-radius:50%; border:1px solid rgba(255,255,255,0.25);
  display:flex; align-items:center; justify-content:center; font-size:0.85rem; font-weight:700;
  transition: background .2s ease, border-color .2s ease;
}
.social-row a:hover{ background: var(--gold); border-color: var(--gold); color: var(--brand-dark); }
.qr-box{ display:flex; align-items:center; gap:12px; }
.qr-placeholder{
  width:56px; height:56px; border-radius:8px;
  background:
    repeating-linear-gradient(45deg, #201A18 0 4px, transparent 4px 8px),
    var(--white);
  background-size: 8px 8px, cover;
  border: 3px solid var(--white);
}
.qr-placeholder.small{ width:70px; height:70px; }
.qr-box span{ font-size:0.82rem; color: rgba(255,255,255,0.75); line-height:1.4; }
.badge{
  display:inline-flex; align-items:center; gap:8px;
  background: rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.2);
  border-radius:999px; padding:9px 16px; font-size:0.82rem; font-weight:700; color:var(--white);
}

.other-links{ max-width:1360px; margin:0 auto; padding: 0 28px 20px; }
.other-links summary{
  cursor:pointer; list-style:none; display:flex; align-items:center; gap:10px;
  color: var(--white); font-weight:700; font-size:0.95rem; padding: 14px 0;
  border-top:1px solid rgba(255,255,255,0.12);
}
.other-links summary::-webkit-details-marker{ display:none; }
.other-links-body{ display:flex; gap:26px; flex-wrap:wrap; padding: 6px 0 20px; }
.other-links-body a{ font-size:0.88rem; color: rgba(255,255,255,0.68); }

.footer-bottom{
  border-top:1px solid rgba(255,255,255,0.12);
  padding: 30px 28px 40px; max-width:1360px; margin:0 auto;
  font-size:0.8rem; color: rgba(255,255,255,0.55); line-height:1.6;
}
.footer-legal-links{ display:flex; gap:18px; margin: 14px 0; }
.footer-legal-links a{ color: rgba(255,255,255,0.75); font-weight:600; }
.footer-legal-links a:hover{ color: var(--gold-light); }

@media (max-width: 900px){
  .footer-columns{ grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px){
  .footer-columns{ grid-template-columns: 1fr; }
}

/* ==========================================================
   FLOATING "GET THE APP" QR WIDGET
   ========================================================== */
.floating-qr{
  position: fixed; right: 24px; bottom: 24px; z-index: 300;
  background: var(--white); border-radius: 16px;
  box-shadow: 0 12px 34px rgba(0,0,0,0.22);
  padding: 16px 18px 18px; text-align:center;
  display:flex; flex-direction:column; align-items:center; gap:10px;
  animation: floatIn .6s var(--ease) 1.4s both;
}
@keyframes floatIn{ from{ opacity:0; transform: translateY(16px); } to{ opacity:1; transform:none; } }
.floating-qr span{ font-size:0.78rem; font-weight:700; color: var(--ink); }
.floating-qr-close{
  position:absolute; top:-10px; right:-10px;
  width:26px; height:26px; border-radius:50%;
  background: var(--brand); color:var(--white); border:2px solid var(--white);
  font-size:1rem; line-height:1; display:flex; align-items:center; justify-content:center;
}
.floating-qr.hidden{ display:none; }
@media (max-width: 700px){ .floating-qr{ display:none; } }

/* ==========================================================
   POPULAR PRODUCTS — tabbed card grid
   ========================================================== */
.products{ background: var(--white); padding: 54px 0 90px; }

.products-tabs-wrap{
  max-width: 1360px; margin: 0 auto 34px; padding: 0 28px;
  border-bottom: 1px solid #ece3d4;
}
.products-tabs{
  display:flex; gap: 6px; overflow-x:auto; scrollbar-width:none;
  padding-bottom: 2px;
  scroll-behavior: smooth;
  scroll-padding-inline: 28px;
}
.products-tabs::-webkit-scrollbar{ display:none; }
.p-tab{
  flex: 0 0 auto;
  display:flex; flex-direction:column; align-items:center; gap:8px;
  background:transparent; border:none;
  padding: 12px 20px 16px;
  border-radius: 12px 12px 0 0;
  font-family: var(--font-body); font-weight:700; font-size:0.92rem;
  color: var(--ink-soft);
  position:relative;
  white-space:nowrap;
  transition: background .25s ease, color .2s ease;
}
.p-tab::after{
  content:""; position:absolute; left:14px; right:14px; bottom:-1px; height:3px;
  background: transparent; border-radius: 3px 3px 0 0;
  transition: background .2s ease;
}
.p-tab:hover{ color: var(--ink); }
.p-tab.active{
  color: var(--brand);
  background: rgba(122, 19, 48, 0.08);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
.p-tab.active::after{ background: var(--brand); }

.products-grid{
  max-width: 1360px; margin: 0 auto; padding: 0 28px;
  display:grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
}

.p-card{
  border-radius: 20px; padding: 30px 28px 26px;
  color: var(--white);
  min-height: 320px;
  display:flex; flex-direction:column;
  position:relative; overflow:hidden;
  animation: cardIn .45s var(--ease) both;
}
@keyframes cardIn{ from{ opacity:0; transform: translateY(10px); } to{ opacity:1; transform:none; } }

.p-card-a{ background: linear-gradient(155deg, var(--brand), var(--brand-dark)); }
.p-card-b{ background: linear-gradient(155deg, #2f5f86, #1c3a52); }
.p-card-c{ background: linear-gradient(155deg, #4c3f66, #322947); }

.p-card h3{ font-family: var(--font-display); font-weight:600; font-size:1.1rem; margin: 0 0 8px; max-width: 80%; }
.p-card p{ font-size:0.87rem; line-height:1.5; color: rgba(255,255,255,0.78); margin: 0 0 auto; max-width: 90%; }

.p-card-icon{
  position:absolute; top:26px; right:24px;
  width: 46px; height:46px;
  color: rgba(255,255,255,0.9);
  opacity:0.9;
}
.p-card-icon svg{ width:100%; height:100%; }

.p-card-actions{ display:flex; align-items:center; gap:18px; margin-top:auto; }

@media (max-width: 980px){
  .products-grid{ grid-template-columns: 1fr 1fr; }
}
@media (max-width: 620px){
  .products-grid{ grid-template-columns: 1fr; }
  .p-card h3, .p-card p{ max-width: 100%; }
}

/* ---- loan-type cards: fact rows + disclaimer ---- */
.p-card-facts{
  display:flex; flex-direction:column; gap: 9px;
  margin: 0 0 20px;
  padding-top: 14px;
  border-top: 1px solid rgba(255,255,255,0.18);
}
.p-fact{
  display:flex; align-items:baseline; justify-content:space-between; gap:10px;
  font-size: 0.85rem;
}
.p-fact-label{ color: rgba(255,255,255,0.68); }
.p-fact-value{ color: var(--white); font-weight:700; font-family: var(--font-mono); font-size:0.82rem; text-align:right; }

.products-disclaimer{
  max-width: 1360px; margin: 26px auto 0; padding: 0 28px;
  font-size: 0.78rem; line-height:1.6; color: var(--ink-soft);
}

/* ==========================================================
   LOAN TOOLS — EMI calculator, eligibility, documents, disclosure
   ========================================================== */
.loan-tools{ background: var(--rose); padding: 90px 0 100px; }

.tools-grid{
  max-width: 1360px; margin: 0 auto 50px; padding: 0 28px;
  display:grid; grid-template-columns: 1fr 1fr; gap: 26px;
}
.tool-card{
  background: var(--white); border-radius: 22px; padding: 32px 30px;
  box-shadow: 0 20px 50px rgba(122,19,48,0.08);
}
.tool-card h3{ font-family: var(--font-display); font-weight:600; font-size:1.2rem; margin: 0 0 8px; }
.tool-sub{ font-size:0.86rem; color: var(--ink-soft); line-height:1.5; margin: 0 0 20px; }
.tool-fineprint{ font-size: 0.78rem; color: var(--ink-soft); line-height:1.55; margin-top: 16px; }

.calc-select{
  width:100%; background: var(--white); border: 1.5px solid #e6ddca; border-radius:12px;
  padding: 12px 14px; font-family: var(--font-body); font-size:0.95rem; color: var(--ink);
  margin-bottom: 4px;
}

.emi-results{
  margin: 26px 0 6px; padding: 18px 20px;
  background: var(--rose); border-radius: 14px;
  display:flex; flex-direction:column; gap: 10px;
}
.emi-result-row{ display:flex; align-items:baseline; justify-content:space-between; gap:10px; }
.emi-result-row span{ font-size: 0.86rem; color: var(--ink-soft); font-weight:600; }
.emi-result-row strong{ font-family: var(--font-mono); font-size:1.05rem; color: var(--brand); }
.emi-result-row:first-child strong{ font-size: 1.3rem; font-family: var(--font-display); }

.eligibility-result{
  margin-top: 16px; padding: 16px 18px; border-radius: 14px;
  font-size: 0.88rem; line-height:1.55; display:none;
}
.eligibility-result.show{ display:block; }
.eligibility-result.pass{ background: #e9f3ec; color: #245239; border: 1px solid #bcdfc9; }
.eligibility-result.fail{ background: #fbeaea; color: #7a2323; border: 1px solid #f0c6c6; }

.docs-block{
  max-width: 1360px; margin: 0 auto 50px; padding: 0 28px;
}
.docs-block h3{ font-family: var(--font-display); font-weight:600; font-size:1.3rem; margin: 0 0 22px; }
.docs-grid{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.docs-col{ background: var(--white); border-radius: 18px; padding: 24px 26px; }
.docs-col h4{ font-family: var(--font-display); font-weight:600; font-size:1rem; margin: 0 0 14px; color: var(--brand); }
.docs-col ul{ margin:0; padding-left: 18px; }
.docs-col li{ font-size:0.88rem; color: var(--ink-soft); line-height:1.7; }

.disclosure-block{ max-width: 1360px; margin: 0 auto; padding: 0 28px; }
.disclosure-block h3{ font-family: var(--font-display); font-weight:600; font-size:1.3rem; margin: 0 0 20px; }
.disclosure-table{
  background: var(--white); border-radius: 18px; overflow:hidden;
  box-shadow: 0 16px 40px rgba(122,19,48,0.07);
}
.disc-row{
  display:grid; grid-template-columns: 260px 1fr; gap: 20px;
  padding: 16px 24px; border-bottom: 1px solid #f1e8da;
  font-size: 0.88rem;
}
.disc-row:last-child{ border-bottom:none; }
.disc-row span:first-child{ font-weight:700; color: var(--ink); }
.disc-row span:last-child{ color: var(--ink-soft); }
.disc-head{ background: var(--brand); color: var(--white); }
.disc-head span{ color: var(--white) !important; font-weight:700; }

@media (max-width: 900px){
  .tools-grid{ grid-template-columns: 1fr; }
  .docs-grid{ grid-template-columns: 1fr; }
  .disc-row{ grid-template-columns: 1fr; gap:4px; }
}






/* ==========================================================
   ABOUT US
   ========================================================== */
.about{ background: var(--white); padding: 90px 0; }
.about-inner{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items:center;
}
.about-copy .eyebrow-dark{ margin-bottom: 4px; }
.about-copy p.about-lead{ font-size:1.05rem; line-height:1.7; color: var(--ink-soft); margin: 0 0 18px; max-width: 560px; }
.about-copy p{ font-size:0.95rem; line-height:1.7; color: var(--ink-soft); margin: 0 0 16px; max-width: 560px; }
.about-stats{
  display:grid; grid-template-columns: repeat(3, 1fr); gap: 18px;
  margin-top: 30px; max-width: 560px;
}
.about-stat{ background: var(--rose); border-radius: 16px; padding: 20px 18px; }
.about-stat strong{ display:block; font-family: var(--font-display); font-size:1.6rem; color: var(--brand); }
.about-stat span{ font-size:0.8rem; color: var(--ink-soft); font-weight:600; }
.about-visual{
  background: linear-gradient(155deg, var(--brand), var(--brand-dark));
  border-radius: 26px; padding: 40px; color: var(--white);
  min-height: 340px; display:flex; flex-direction:column; justify-content:space-between;
}
.about-visual .quote-mark{ font-family: var(--font-display); font-size:3.5rem; color: var(--gold-light); line-height:1; }
.about-visual p{ font-family: var(--font-display); font-size:1.3rem; line-height:1.5; margin: 14px 0 0; }
.about-visual .visual-foot{ font-family: var(--font-mono); font-size:0.78rem; letter-spacing:.06em; text-transform:uppercase; color: rgba(255,255,255,0.7); }
@media (max-width: 980px){
  .about-inner{ grid-template-columns: 1fr; gap: 40px; }
  .about-stats{ max-width:100%; }
}
@media (max-width: 520px){
  .about-stats{ grid-template-columns: 1fr 1fr; }
}

/* ==========================================================
   WHY CHOOSE US
   ========================================================== */
.why-choose{ background: var(--rose); padding: 90px 0; }
.why-grid{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
}
.why-card{
  background: var(--white); border-radius:18px; padding: 26px 22px;
  transition: transform .3s var(--ease);
}
.why-card:hover{ transform: translateY(-6px); }
.why-icon{
  width:44px; height:44px; border-radius:12px; background: var(--rose); color: var(--brand);
  display:flex; align-items:center; justify-content:center; margin-bottom:16px;
}
.why-icon svg{ width:22px; height:22px; }
.why-card h3{ font-family: var(--font-display); font-weight:600; font-size:1.02rem; margin: 0 0 8px; }
.why-card p{ font-size:0.85rem; color: var(--ink-soft); line-height:1.55; margin:0; }
@media (max-width: 980px){ .why-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .why-grid{ grid-template-columns: 1fr; } }

/* ==========================================================
   LOAN PROCESS — numbered steps
   ========================================================== */
.process{ background: var(--white); padding: 90px 0; }
.process-steps{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: repeat(4, 1fr); gap: 4px;
  position:relative;
}
.process-step{
  position:relative; padding: 30px 22px 26px;
  background: var(--parchment); border-radius: 18px;
}
.process-num{
  font-family: var(--font-mono); font-size:0.78rem; letter-spacing:.06em;
  color: var(--gold); font-weight:700; margin-bottom: 14px; display:block;
}
.process-step h3{ font-family: var(--font-display); font-weight:600; font-size:1.05rem; margin: 0 0 8px; }
.process-step p{ font-size:0.86rem; color: var(--ink-soft); line-height:1.55; margin:0; }
@media (min-width: 981px){
  .process-steps{ gap: 0; }
  .process-step{ border-radius: 0; }
  .process-step:first-child{ border-radius: 18px 0 0 18px; }
  .process-step:last-child{ border-radius: 0 18px 18px 0; }
  .process-step:not(:last-child)::after{
    content:"→"; position:absolute; right:-14px; top:34px; z-index:2;
    color: var(--brand); font-weight:700; font-size:1.1rem;
    background: var(--white); width:28px; height:28px; border-radius:50%;
    display:flex; align-items:center; justify-content:center;
    box-shadow: 0 4px 10px rgba(0,0,0,0.08);
  }
}
@media (max-width: 980px){ .process-steps{ grid-template-columns: 1fr 1fr; gap: 16px; } }
@media (max-width: 560px){ .process-steps{ grid-template-columns: 1fr; } }

/* ==========================================================
   ELIGIBILITY CRITERIA
   ========================================================== */
.criteria-block{ max-width:1360px; margin: 0 auto 50px; padding: 0 28px; }
.criteria-block h3{ font-family: var(--font-display); font-weight:600; font-size:1.3rem; margin: 0 0 22px; }
.criteria-grid{ display:grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.criteria-card{ background: var(--white); border-radius:16px; padding: 22px 20px; text-align:center; }
.criteria-card strong{ display:block; font-family: var(--font-display); font-size:1.15rem; color: var(--brand); margin-bottom:6px; }
.criteria-card span{ font-size:0.82rem; color: var(--ink-soft); }
@media (max-width: 900px){ .criteria-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px){ .criteria-grid{ grid-template-columns: 1fr; } }

/* ==========================================================
   FEATURES GRID
   ========================================================== */
.features{ background: var(--parchment); padding: 90px 0; }
.features-grid{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
}
.feature-tile{
  background: var(--white); border-radius:20px; padding: 28px 26px;
  transition: transform .3s var(--ease);
  border: 1px solid #ece3d4;
}
.feature-tile:hover{ transform: translateY(-6px); }
.feature-tile-icon{
  width:46px; height:46px; border-radius:12px; background: var(--rose); color: var(--brand);
  display:flex; align-items:center; justify-content:center; margin-bottom:16px;
}
.feature-tile-icon svg{ width:24px; height:24px; }
.feature-tile h3{ font-family: var(--font-display); font-weight:600; font-size:1.05rem; margin:0 0 8px; }
.feature-tile p{ font-size:0.87rem; color: var(--ink-soft); line-height:1.55; margin:0; }
@media (max-width: 980px){ .features-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .features-grid{ grid-template-columns: 1fr; } }

/* ==========================================================
   BENEFITS
   ========================================================== */
.benefits{ background: var(--brand-dark); padding: 90px 0; color: var(--white); }
.benefits-inner{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: 0.9fr 1.1fr; gap: 60px; align-items:center;
}
.benefits-list{ display:grid; grid-template-columns: 1fr 1fr; gap: 20px 30px; }
.benefit-item{ display:flex; gap:14px; align-items:flex-start; }
.benefit-check{
  width:26px; height:26px; border-radius:50%; background: var(--gold);
  color: var(--brand-dark); flex-shrink:0;
  display:flex; align-items:center; justify-content:center; font-weight:800; font-size:0.85rem;
}
.benefit-item p{ margin:0; font-size:0.9rem; line-height:1.55; color: rgba(255,255,255,0.85); }
.benefit-item strong{ display:block; font-family: var(--font-display); font-size:1rem; margin-bottom:4px; color: var(--white); }
@media (max-width: 980px){ .benefits-inner{ grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 560px){ .benefits-list{ grid-template-columns: 1fr; } }

/* ==========================================================
   TESTIMONIALS
   ========================================================== */
.testimonials{ background: var(--white); padding: 90px 0 100px; }
.testi-track{
  display:flex; gap: 22px; overflow-x:auto; scroll-behavior:smooth;
  padding: 4px 28px 14px; max-width:1360px; margin:0 auto;
  scrollbar-width:none;
}
.testi-track::-webkit-scrollbar{ display:none; }
.testi-card{
  flex: 0 0 360px; background: var(--rose); border-radius:22px; padding: 30px 28px;
}
.testi-stars{ color: var(--gold); font-size:0.95rem; letter-spacing:2px; margin-bottom:14px; }
.testi-card p{ font-family: var(--font-display); font-size:1.05rem; line-height:1.55; color: var(--ink); margin: 0 0 20px; }
.testi-person{ display:flex; align-items:center; gap:12px; }
.testi-avatar{
  width:42px; height:42px; border-radius:50%;
  background: linear-gradient(150deg, var(--brand), var(--brand-dark));
  color: var(--white); display:flex; align-items:center; justify-content:center;
  font-family: var(--font-display); font-weight:700;
}
.testi-person strong{ display:block; font-size:0.88rem; }
.testi-person span{ font-size:0.78rem; color: var(--ink-soft); }
.testi-disclaimer{
  max-width:1360px; margin: 10px auto 0; padding: 0 28px;
  font-size:0.78rem; color: var(--ink-soft); line-height:1.6;
}

/* ==========================================================
   FAQs
   ========================================================== */
.faq-section{ background: var(--rose); padding: 90px 0; }
.faq-list{ max-width: 900px; margin: 0 auto; padding: 0 28px; }
.faq-item{ background: var(--white); border-radius: 16px; margin-bottom: 14px; overflow:hidden; }
.faq-q{
  display:flex; align-items:center; justify-content:space-between; gap:16px;
  padding: 20px 24px; cursor:pointer; font-weight:700; font-size:0.96rem;
}
.faq-q::after{ content:"+"; font-size:1.4rem; color: var(--brand); flex-shrink:0; transition: transform .25s var(--ease); }
.faq-item.open .faq-q::after{ content:"–"; }
.faq-a{ max-height:0; overflow:hidden; transition: max-height .35s var(--ease); padding: 0 24px; }
.faq-item.open .faq-a{ max-height: 260px; padding: 0 24px 22px; }
.faq-a p{ margin:0; font-size:0.9rem; color: var(--ink-soft); line-height:1.6; }

/* ==========================================================
   BLOG
   ========================================================== */
.blog-section{ background: var(--white); padding: 90px 0 100px; }
.blog-grid{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: repeat(3, 1fr); gap: 26px;
}
.blog-card{ border-radius: 20px; overflow:hidden; border: 1px solid #ece3d4; display:flex; flex-direction:column; transition: transform .3s var(--ease); }
.blog-card:hover{ transform: translateY(-6px); }
.blog-thumb{ height: 170px; background: linear-gradient(150deg, var(--brand), var(--brand-dark)); display:flex; align-items:center; justify-content:center; color: var(--gold-light); font-size:2rem; }
.blog-body{ padding: 22px 22px 26px; display:flex; flex-direction:column; gap:10px; flex:1; }
.blog-tag{ font-family: var(--font-mono); font-size:0.72rem; letter-spacing:.06em; text-transform:uppercase; color: var(--brand); }
.blog-body h3{ font-family: var(--font-display); font-weight:600; font-size:1.08rem; margin:0; line-height:1.35; }
.blog-body p{ font-size:0.86rem; color: var(--ink-soft); line-height:1.55; margin:0; flex:1; }
.blog-meta{ font-size:0.78rem; color: var(--ink-soft); font-family: var(--font-mono); }
@media (max-width: 980px){ .blog-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px){ .blog-grid{ grid-template-columns: 1fr; } }

/* ==========================================================
   CTA BANNERS
   ========================================================== */
.cta-banner{
  background: linear-gradient(150deg, var(--brand), var(--brand-dark));
  border-radius: 28px; padding: 56px 48px;
  max-width: 1360px; margin: 0 auto;
  display:flex; align-items:center; justify-content:space-between; gap: 30px; flex-wrap:wrap;
  color: var(--white);
}
.cta-banner-wrap{ padding: 0 28px; }
.cta-banner h2{ font-family: var(--font-display); font-weight:600; font-size: clamp(1.4rem, 3vw, 2rem); margin: 0 0 10px; max-width:520px; }
.cta-banner p{ margin:0; color: rgba(255,255,255,0.8); font-size:0.95rem; max-width:480px; }
.cta-banner-actions{ display:flex; gap:14px; flex-wrap:wrap; }
.cta-solo{ padding: 70px 0; background: var(--parchment); }

/* ==========================================================
   CONTACT
   ========================================================== */
.contact-section{ background: var(--rose); padding: 90px 0 100px; }
.contact-grid{
  max-width:1360px; margin:0 auto; padding:0 28px;
  display:grid; grid-template-columns: 0.9fr 1.1fr; gap: 40px;
}
.contact-info{ display:flex; flex-direction:column; gap: 20px; }
.contact-info-card{ background: var(--white); border-radius:18px; padding:24px 22px; }
.contact-info-card h4{ font-family: var(--font-display); font-weight:600; font-size:1rem; margin:0 0 6px; color: var(--brand); }
.contact-info-card p{ margin:0; font-size:0.9rem; color: var(--ink-soft); line-height:1.6; }
.contact-form-card{ background: var(--white); border-radius: 22px; padding: 34px 32px; }
.contact-form-card h3{ font-family: var(--font-display); font-weight:600; font-size:1.25rem; margin: 0 0 22px; }
.form-row{ display:grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group{ margin-bottom: 16px; }
.form-group label{ display:block; font-size:0.82rem; font-weight:700; color: var(--ink-soft); margin-bottom:6px; }
.form-group input, .form-group select, .form-group textarea{
  width:100%; background: var(--parchment); border:1.5px solid #e6ddca; border-radius:12px;
  padding: 12px 14px; font-family: var(--font-body); font-size:0.92rem; color: var(--ink);
}
.form-group textarea{ resize: vertical; min-height: 100px; }
.contact-note{ margin-top: 14px; font-size:0.88rem; padding: 12px 16px; border-radius:12px; display:none; }
.contact-note.pass, .contact-note.fail{ display:block; }
.contact-note.pass{ background: #e9f3ec; color: #245239; }
.contact-note.fail{ background: #fbeaea; color: #7a2323; }
@media (max-width: 980px){ .contact-grid{ grid-template-columns: 1fr; } }
@media (max-width: 560px){ .form-row{ grid-template-columns: 1fr; } }

/* ==========================================================
   STANDALONE LEGAL PAGES
   ========================================================== */
.legal-hero{
  background: linear-gradient(150deg, var(--brand), var(--brand-dark));
  padding: calc(var(--header-h) + 60px) 0 60px; color: var(--white);
}
.legal-hero-inner{ max-width: 900px; margin:0 auto; padding: 0 28px; }
.legal-hero p.eyebrow{ animation:none; opacity:1; transform:none; }
.legal-hero h1{ font-family: var(--font-display); font-weight:600; font-size: clamp(2rem, 4vw, 2.8rem); margin:0; }
.legal-body{ max-width: 900px; margin: 0 auto; padding: 60px 28px 100px; }
.legal-body h2{ font-family: var(--font-display); font-weight:600; font-size:1.3rem; margin: 40px 0 14px; color: var(--brand); }
.legal-body h2:first-child{ margin-top:0; }
.legal-body p{ font-size:0.95rem; line-height:1.75; color: var(--ink-soft); margin: 0 0 16px; }
.legal-body ul{ padding-left: 20px; margin: 0 0 16px; }
.legal-body li{ font-size:0.95rem; line-height:1.75; color: var(--ink-soft); margin-bottom:6px; }
.legal-updated{ font-family: var(--font-mono); font-size:0.78rem; color: rgba(255,255,255,0.75); margin-top:14px; }






/* ==========================================
   IMPORTANT DISCLAIMER SECTION
========================================== */


.cibil-disclaimer-section {

    width:100%;

    padding:70px 30px;

    background:#ffffff;

}



.cibil-disclaimer-container {

    max-width:1100px;

    margin:auto;

}



.cibil-disclaimer-card {


    display:flex;

    align-items:flex-start;

    gap:25px;


    padding:35px;


    border-radius:24px;


    background:

    linear-gradient(
        135deg,
        rgba(82,9,31,.05),
        rgba(200,155,60,.12)
    );


    border:

    1px solid rgba(200,155,60,.35);


    box-shadow:

    0 15px 40px rgba(0,0,0,.08);


    position:relative;

    overflow:hidden;

}



.cibil-disclaimer-card::before {


    content:"";

    position:absolute;

    width:120px;

    height:120px;

    right:-40px;

    top:-40px;


    background:

    rgba(200,155,60,.15);


    border-radius:50%;


}



.cibil-disclaimer-icon {


    min-width:65px;

    height:65px;


    display:flex;

    align-items:center;

    justify-content:center;


    border-radius:50%;


    background:

    linear-gradient(
        135deg,
        #52091f,
        #7a1634
    );


    color:#c89b3c;


    font-size:28px;


    box-shadow:

    0 10px 25px rgba(82,9,31,.25);


}



.cibil-disclaimer-content h3 {


    margin:0 0 15px;


    font-size:24px;


    font-weight:800;


    color:#52091f;


}



.cibil-disclaimer-content p {


    margin-bottom:12px;


    color:#555;


    font-size:15px;


    line-height:1.8;


}



.cibil-disclaimer-content p:last-child {

    margin-bottom:0;

}



/* Hover Effect */


.cibil-disclaimer-card:hover {


    transform:translateY(-5px);


    box-shadow:

    0 25px 50px rgba(82,9,31,.15);


    transition:.35s ease;


}





/* ==========================================
   RESPONSIVE
========================================== */


@media(max-width:768px){


.cibil-disclaimer-section {

    padding:45px 18px;

}



.cibil-disclaimer-card {


    flex-direction:column;

    text-align:center;

    padding:28px 20px;


}



.cibil-disclaimer-icon {

    margin:auto;

}



.cibil-disclaimer-content h3 {

    font-size:21px;

}



.cibil-disclaimer-content p {

    font-size:14px;

}



}




/*=========================================
RESPONSIBLE LENDING
PART 2
Layout • Background • Cards
=========================================*/

.trust-zone{
    position:relative;
    padding:120px 0;
    background:#faf8f6;
    overflow:hidden;
}

.trust-zone::before{
    content:"";
    position:absolute;
    width:520px;
    height:520px;
    border-radius:50%;
    background:rgba(200,155,60,.06);
    top:-220px;
    right:-180px;
}

.trust-zone::after{
    content:"";
    position:absolute;
    width:450px;
    height:450px;
    border-radius:50%;
    background:rgba(82,9,31,.05);
    left:-160px;
    bottom:-180px;
}

.trust-zone .container{
    position:relative;
    z-index:2;
}

/*=========================================
SECTION HEADER
=========================================*/

.trust-heading{
    text-align:center;
    max-width:850px;
    margin:0 auto 70px;
}

.trust-tag{

    display:inline-flex;
    align-items:center;
    justify-content:center;

    padding:9px 20px;

    background:rgba(82,9,31,.08);

    color:#52091f;

    border-radius:50px;

    font-size:13px;

    letter-spacing:2px;

    font-weight:700;

    text-transform:uppercase;

    margin-bottom:22px;

}

.trust-heading h2{

    font-size:54px;

    font-weight:700;

    color:#1b1b1b;

    line-height:1.15;

    margin-bottom:22px;

}

.trust-heading h2 span{

    color:#52091f;

}

.trust-heading p{

    font-size:18px;

    line-height:1.9;

    color:#666;

}

/*=========================================
MAIN GRID
=========================================*/

.trust-wrapper{

    display:grid;

    grid-template-columns:1.05fr .95fr;

    gap:45px;

    align-items:stretch;

}

/*=========================================
LEFT CARD
=========================================*/

.trust-card{

    position:relative;

    background:#ffffff;

    border-radius:30px;

    border:1px solid rgba(82,9,31,.08);

    padding:45px;

    overflow:hidden;

    box-shadow:

        0 20px 45px rgba(0,0,0,.05);

    transition:.40s;

}

.trust-card:hover{

    transform:translateY(-8px);

    box-shadow:

        0 35px 70px rgba(82,9,31,.10);

    border-color:#c89b3c;

}

.trust-card::before{

    content:"";

    position:absolute;

    left:0;

    top:0;

    width:100%;

    height:6px;

    background:

    linear-gradient(

        90deg,

        #52091f,

        #c89b3c

    );

}

.trust-card::after{

    content:"";

    position:absolute;

    width:260px;

    height:260px;

    border-radius:50%;

    background:rgba(200,155,60,.04);

    right:-120px;

    top:-120px;

}

/*=========================================
CARD HEADER
=========================================*/

.trust-card-top{

    position:relative;

    z-index:2;

    margin-bottom:40px;

}

.trust-mini-title{

    display:inline-block;

    color:#52091f;

    background:#faf2df;

    padding:8px 16px;

    border-radius:30px;

    font-size:12px;

    font-weight:700;

    letter-spacing:1px;

    text-transform:uppercase;

    margin-bottom:18px;

}

.trust-card-top h3{

    font-size:36px;

    color:#1d1d1d;

    margin-bottom:18px;

    font-weight:700;

}

.trust-card-top p{

    color:#666;

    font-size:16px;

    line-height:1.9;

}

/*=========================================
RIGHT CARD
=========================================*/

.trust-visual{

    position:relative;

    display:flex;

    align-items:center;

    justify-content:center;

    min-height:760px;

    border-radius:30px;

    overflow:hidden;

    background:

    linear-gradient(

        145deg,

        #52091f,

        #731433

    );

    border:1px solid rgba(255,255,255,.08);

    box-shadow:

        0 30px 70px rgba(82,9,31,.20);

}

/*=========================================
IMAGE BOX
=========================================*/

.visual-box{

    position:relative;

    z-index:5;

    width:88%;

    display:flex;

    align-items:center;

    justify-content:center;

}

.visual-box img{

    width:100%;

    display:block;

    object-fit:contain;

    transition:.6s;

}

.trust-visual:hover img{

    transform:scale(1.03);

}

/*=========================================
RESPONSIBLE LENDING
PART 3
Checklist • Right Visual • Floating Elements
=========================================*/

/*=========================================
CHECKLIST
=========================================*/

.trust-list{

    position:relative;

    z-index:2;

    display:flex;

    flex-direction:column;

    gap:22px;

}

.trust-item{

    display:flex;

    align-items:flex-start;

    gap:18px;

    padding:22px 20px;

    border-radius:20px;

    background:#ffffff;

    border:1px solid rgba(82,9,31,.08);

    transition:.35s ease;

}

.trust-item:hover{

    transform:translateX(8px);

    border-color:#c89b3c;

    box-shadow:

        0 18px 35px rgba(82,9,31,.08);

}

/*=========================================
CHECK ICON
=========================================*/

.trust-icon{

    width:56px;

    min-width:56px;

    height:56px;

    border-radius:18px;

    display:flex;

    align-items:center;

    justify-content:center;

    background:linear-gradient(
        135deg,
        #52091f,
        #74152f
    );

    color:#ffffff;

    box-shadow:

        0 12px 24px rgba(82,9,31,.18);

}

.trust-icon svg{

    width:24px;

    height:24px;

}

/*=========================================
CHECKLIST CONTENT
=========================================*/

.trust-item h4{

    font-size:20px;

    font-weight:700;

    color:#1d1d1d;

    margin-bottom:8px;

}

.trust-item p{

    font-size:15px;

    color:#666;

    line-height:1.8;

}

/*=========================================
RIGHT VISUAL DECORATION
=========================================*/

.visual-bg-circle{

    position:absolute;

    border-radius:50%;

    filter:blur(.2px);

}

.circle-one{

    width:220px;

    height:220px;

    background:rgba(200,155,60,.18);

    top:-70px;

    right:-70px;

}

.circle-two{

    width:120px;

    height:120px;

    background:rgba(255,255,255,.08);

    left:45px;

    bottom:70px;

}

.circle-three{

    width:65px;

    height:65px;

    background:#c89b3c;

    right:90px;

    top:120px;

    animation:circleFloat 5s ease-in-out infinite;

}

@keyframes circleFloat{

    0%,100%{

        transform:translateY(0);

    }

    50%{

        transform:translateY(-18px);

    }

}

/*=========================================
FLOATING INFO CARD
=========================================*/

.visual-floating-card{

    position:absolute;

    left:40px;

    bottom:40px;

    width:300px;

    padding:28px;

    background:rgba(255,255,255,.95);

    backdrop-filter:blur(15px);

    border-radius:22px;

    border:1px solid rgba(255,255,255,.25);

    box-shadow:

        0 25px 55px rgba(0,0,0,.18);

    z-index:10;

}

.visual-floating-card span{

    display:inline-block;

    font-size:12px;

    font-weight:700;

    letter-spacing:1px;

    text-transform:uppercase;

    color:#52091f;

    margin-bottom:10px;

}

.visual-floating-card strong{

    display:block;

    font-size:24px;

    color:#1d1d1d;

    margin-bottom:12px;

    font-weight:700;

}

.visual-floating-card p{

    color:#666;

    line-height:1.8;

    font-size:14px;

}

/*=========================================
PREMIUM GOLD BORDER
=========================================*/

.visual-box{

    position:relative;

}

.visual-box::before{

    content:"";

    position:absolute;

    inset:-15px;

    border-radius:28px;

    border:1px solid rgba(200,155,60,.25);

}

.visual-box::after{

    content:"";

    position:absolute;

    inset:-30px;

    border-radius:38px;

    border:1px dashed rgba(255,255,255,.10);

}

/*=========================================
IMAGE ANIMATION
=========================================*/

.trust-visual:hover .visual-box img{

    transform:translateY(-10px) scale(1.03);

}

.trust-visual:hover .visual-floating-card{

    transform:translateY(-8px);

}

.visual-floating-card{

    transition:.45s ease;

}

/*=========================================
SOFT GLOW
=========================================*/

.trust-visual::before{

    content:"";

    position:absolute;

    width:500px;

    height:500px;

    border-radius:50%;

    background:radial-gradient(
        rgba(200,155,60,.18),
        transparent 70%
    );

    top:-180px;

    left:-180px;

}

.trust-visual::after{

    content:"";

    position:absolute;

    width:380px;

    height:380px;

    border-radius:50%;

    background:radial-gradient(
        rgba(255,255,255,.06),
        transparent 70%
    );

    bottom:-160px;

    right:-120px;

}

/*=========================================
RESPONSIBLE LENDING
PART 4
Disclosure • Responsive • Premium Effects
=========================================*/

/*=========================================
DISCLOSURE CARD
=========================================*/

.trust-disclosure{

    position:relative;

    margin-top:70px;

    padding:50px;

    background:linear-gradient(
        135deg,
        #52091f,
        #6b112d
    );

    border-radius:30px;

    overflow:hidden;

    border:1px solid rgba(200,155,60,.25);

    box-shadow:
        0 30px 70px rgba(82,9,31,.18);

}

.trust-disclosure::before{

    content:"";

    position:absolute;

    width:380px;

    height:380px;

    border-radius:50%;

    background:rgba(255,255,255,.05);

    top:-180px;

    right:-180px;

}

.trust-disclosure::after{

    content:"";

    position:absolute;

    width:220px;

    height:220px;

    border-radius:50%;

    background:rgba(200,155,60,.12);

    bottom:-110px;

    left:-110px;

}

/*=========================================
BADGE
=========================================*/

.disclosure-badge{

    position:relative;

    z-index:2;

    display:inline-flex;

    align-items:center;

    gap:10px;

    padding:10px 22px;

    border-radius:50px;

    background:rgba(200,155,60,.18);

    color:#ffffff;

    font-size:12px;

    font-weight:700;

    letter-spacing:2px;

    text-transform:uppercase;

    margin-bottom:22px;

}

.disclosure-badge::before{

    content:"";

    width:10px;

    height:10px;

    border-radius:50%;

    background:#c89b3c;

}

/*=========================================
DISCLOSURE CONTENT
=========================================*/

.trust-disclosure h3{

    position:relative;

    z-index:2;

    color:#ffffff;

    font-size:34px;

    font-weight:700;

    margin-bottom:20px;

}

.trust-disclosure p{

    position:relative;

    z-index:2;

    color:rgba(255,255,255,.92);

    font-size:16px;

    line-height:1.9;

    margin-bottom:18px;

}

.trust-disclosure p:last-child{

    margin-bottom:0;

}

/*=========================================
SCROLL ANIMATION
=========================================*/

.trust-heading,
.trust-card,
.trust-visual,
.trust-disclosure{

    opacity:0;

    transform:translateY(40px);

    animation:trustFade .8s ease forwards;

}

.trust-card{

    animation-delay:.15s;

}

.trust-visual{

    animation-delay:.30s;

}

.trust-disclosure{

    animation-delay:.45s;

}

@keyframes trustFade{

    from{

        opacity:0;

        transform:translateY(40px);

    }

    to{

        opacity:1;

        transform:translateY(0);

    }

}

/*=========================================
HOVER EFFECTS
=========================================*/

.trust-card,
.trust-visual,
.trust-disclosure{

    transition:

        transform .35s ease,

        box-shadow .35s ease,

        border-color .35s ease;

}

.trust-disclosure:hover{

    transform:translateY(-6px);

    box-shadow:

        0 40px 80px rgba(82,9,31,.22);

}

/*=========================================
TABLET
=========================================*/

@media (max-width:991px){

    .trust-zone{

        padding:90px 0;

    }

    .trust-heading{

        margin-bottom:50px;

    }

    .trust-heading h2{

        font-size:42px;

    }

    .trust-wrapper{

        grid-template-columns:1fr;

        gap:40px;

    }

    .trust-visual{

        min-height:620px;

    }

    .visual-floating-card{

        left:25px;

        right:25px;

        width:auto;

    }

    .trust-disclosure{

        padding:40px;

    }

}

/*=========================================
MOBILE
=========================================*/

@media (max-width:767px){

    .trust-zone{

        padding:70px 0;

    }

    .trust-heading h2{

        font-size:32px;

    }

    .trust-heading p{

        font-size:15px;

    }

    .trust-card{

        padding:28px;

        border-radius:22px;

    }

    .trust-card-top h3{

        font-size:28px;

    }

    .trust-item{

        padding:18px;

        gap:14px;

    }

    .trust-icon{

        width:48px;

        min-width:48px;

        height:48px;

        border-radius:14px;

    }

    .trust-icon svg{

        width:20px;

        height:20px;

    }

    .trust-item h4{

        font-size:18px;

    }

    .trust-item p{

        font-size:14px;

    }

    .trust-visual{

        min-height:500px;

        border-radius:22px;

    }

    .visual-box{

        width:92%;

    }

    .visual-floating-card{

        position:relative;

        left:auto;

        bottom:auto;

        margin:20px;

        width:auto;

    }

    .trust-disclosure{

        padding:30px;

        border-radius:22px;

    }

    .trust-disclosure h3{

        font-size:26px;

    }

    .trust-disclosure p{

        font-size:14px;

        line-height:1.8;

    }

}

/*=========================================
SMALL MOBILE
=========================================*/

@media (max-width:480px){

    .trust-tag{

        font-size:11px;

        padding:8px 16px;

    }

    .trust-heading h2{

        font-size:28px;

    }

    .trust-card{

        padding:22px;

    }

    .trust-card-top h3{

        font-size:24px;

    }

    .trust-item{

        flex-direction:column;

        align-items:flex-start;

    }

    .trust-icon{

        margin-bottom:6px;

    }

    .trust-disclosure{

        padding:24px;

    }

}