/* ============================================
   DHANAM FINANCE - PREMIUM CSS DESIGN SYSTEM
   NBFC Website - Golden Lotus Heritage Brand
   ============================================ */

/* ============================================
   ROOT & VARIABLES
   ============================================ */
:root {
  /* Brand Colors - New Warm Luxurious Palette */
  --primary: #B8860B;        /* Gold */
  --primary-light: #D4A528;
  --primary-dark: #8B6508;
  --accent: #C75B2A;         /* Warm burnt orange */
  --accent-light: #E8784A;
  --accent-dark: #A04520;
  --navy: #2D2926;           /* Warm charcoal instead of pure black */
  --navy-light: #3D3835;
  --cream: #FFF9F0;          /* Warm cream background */
  --cream-dark: #F5EDE0;     /* Slightly darker cream for alternating sections */
  --white: #FFFFFF;
  --off-white: #FFFCF7;

  /* Legacy color aliases for backward compatibility */
  --gold: #B8860B;
  --gold-light: #D4A528;

  /* Grayscale - Updated to warm tones */
  --gray-50: #FBF9F5;
  --gray-100: #F5F1E8;
  --gray-200: #EBE6DE;
  --gray-300: #DDD7CC;
  --gray-400: #BEB5A8;
  --gray-500: #9B9288;
  --gray-600: #6B6559;
  --gray-700: #3D3835;
  --gray-800: #2D2926;

  /* Accent Colors */
  --blue: #0066CC;
  --blue-light: #E6F0FF;
  --green: #00A652;
  --green-light: #E6F7ED;
  --orange: #C75B2A;
  --orange-light: #F0DCD3;

  /* Typography */
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Spacing Scale (rem) */
  --space-xs: 0.5rem;
  --space-sm: 0.75rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  --space-4xl: 5rem;
  --space-5xl: 6rem;

  /* Shadows */
  --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 8px 24px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 12px 32px rgba(0, 0, 0, 0.12);
  --shadow-gold: 0 4px 16px rgba(200, 150, 26, 0.15);

  /* Glass UI */
  --glass-bg: rgba(255, 255, 255, 0.55);
  --glass-bg-heavy: rgba(255, 255, 255, 0.72);
  --glass-bg-light: rgba(255, 255, 255, 0.35);
  --glass-border: rgba(255, 255, 255, 0.45);
  --glass-border-subtle: rgba(255, 255, 255, 0.25);
  --glass-blur: blur(12px);
  --glass-blur-heavy: blur(20px);
  --glass-shadow: 0 4px 24px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 350ms cubic-bezier(0.4, 0, 0.2, 1);

  /* Border Radius */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --radius-2xl: 20px;
  --radius-full: 9999px;
}

/* ============================================
   RESET & BASE STYLES
   ============================================ */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background-color: var(--cream);
  line-height: 1.6;
  font-size: 16px;
}

/* Typography Resets */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
}

h1 {
  font-size: 3.5rem;
  font-weight: 700;
}

h2 {
  font-size: 2.75rem;
}

h3 {
  font-size: 2rem;
}

h4 {
  font-size: 1.5rem;
}

h5 {
  font-size: 1.25rem;
}

h6 {
  font-size: 1rem;
}

p {
  font-size: 1rem;
  line-height: 1.75;
  max-width: 680px;
  color: var(--gray-700);
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--primary-dark);
}

button {
  font-family: var(--font-body);
  cursor: pointer;
}

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

/* ============================================
   LAYOUT COMPONENTS
   ============================================ */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 var(--space-xl);
}

.container--narrow {
  max-width: 960px;
}

.section {
  padding: var(--space-5xl) 0;
}

.section--gray {
  background-color: var(--gray-50);
}

.section--navy {
  background-color: var(--navy);
  color: var(--white);
}

.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy h4,
.section--navy h5 {
  color: var(--white);
}

.section--cream {
  background-color: var(--cream-dark);
}

section:not(.hero):not(.trust-bar) {
  padding: var(--space-4xl) 0;
}

.grid {
  display: grid;
  gap: var(--space-2xl);
  width: 100%;
}

.grid--2 {
  grid-template-columns: repeat(2, 1fr);
}

.grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

.grid--4 {
  grid-template-columns: repeat(4, 1fr);
}

.text-center {
  text-align: center;
}

.text-center p {
  margin-left: auto;
  margin-right: auto;
}

/* ============================================
   TYPOGRAPHY COMPONENTS
   ============================================ */
.section-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-md);
}

.section-title {
  font-size: 2.75rem;
  font-family: var(--font-display);
  color: var(--navy);
  margin-bottom: var(--space-xl);
}

.section--navy .section-title {
  color: var(--white);
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--gray-600);
  margin-bottom: var(--space-3xl);
  max-width: 680px;
}

.section--navy .section-subtitle {
  color: var(--off-white);
}

.gold-divider {
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: var(--radius-full);
  margin: var(--space-xl) 0;
  margin-left: 0;
}

.text-center .gold-divider {
  margin-left: auto;
  margin-right: auto;
}

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
  position: fixed;
  top: 12px;
  left: 50%;
  transform: translateX(-50%);
  width: calc(100% - 48px);
  max-width: 1320px;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-radius: 16px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.06);
  z-index: 1000;
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  transition: all var(--transition-base);
}

.nav--scrolled {
  top: 0;
  width: 100%;
  max-width: 100%;
  border-radius: 0;
  border: none;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  height: 100%;
  padding: 0 var(--space-xl);
}

.nav__logo img {
  height: 48px;
  width: auto;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: var(--space-2xl);
  list-style: none;
}

.nav__link {
  font-size: 0.95rem;
  color: var(--gray-700);
  font-weight: 500;
  position: relative;
  transition: color var(--transition-fast);
}

.nav__link:hover {
  color: var(--primary);
}

.nav__link--active {
  color: var(--primary);
}

.nav__link--active::after {
  content: '';
  position: absolute;
  bottom: -8px;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
}

.nav__dropdown {
  position: relative;
}

.nav__dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(24px) saturate(1.2);
  -webkit-backdrop-filter: blur(24px) saturate(1.2);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.7);
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.1), 0 1px 3px rgba(0, 0, 0, 0.06);
  min-width: 280px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-10px);
  transition: all var(--transition-base);
  padding: var(--space-md);
  list-style: none;
  margin-top: var(--space-md);
}

.nav__dropdown:hover .nav__dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav__dropdown-item {
  padding: var(--space-md) var(--space-lg);
  color: var(--gray-700);
  transition: all var(--transition-fast);
  border-radius: var(--radius-md);
  font-size: 0.95rem;
}

.nav__dropdown-item:hover {
  background-color: var(--gray-50);
  color: var(--primary);
}

.nav__cta {
  margin-left: var(--space-xl);
}

.nav__cta--desktop {
  display: inline-flex;
}

@media (max-width: 768px) {
  .nav__cta--desktop {
    display: none;
  }
}

.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 6px;
  cursor: pointer;
  background: none;
  border: none;
}

.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--navy);
  transition: all var(--transition-fast);
  border-radius: var(--radius-sm);
}

.nav__hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

.nav__hamburger.active span:nth-child(2) {
  opacity: 0;
}

.nav__hamburger.active span:nth-child(3) {
  transform: rotate(-45deg) translate(8px, -8px);
}

.nav__mobile {
  display: none;
  position: fixed;
  top: 88px;
  left: 24px;
  right: 24px;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(24px) saturate(1.2);
  -webkit-backdrop-filter: blur(24px) saturate(1.2);
  flex-direction: column;
  gap: var(--space-md);
  padding: var(--space-xl);
  border-radius: 16px;
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.1), 0 1px 3px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.7);
  max-width: calc(100% - 48px);
  max-height: calc(100vh - 110px);
  z-index: 999;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.nav__mobile.active {
  display: flex;
}

.nav__mobile-link {
  padding: var(--space-md) 0;
  border-bottom: 1px solid var(--gray-200);
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: var(--space-md) var(--space-lg);
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: var(--radius-lg);
  border: 2px solid transparent;
  transition: all var(--transition-base);
  white-space: nowrap;
}

.btn--primary {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: var(--white);
}

.btn--primary:hover {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  box-shadow: var(--shadow-gold);
  transform: translateY(-2px);
}

.btn--outline {
  background: rgba(255, 255, 255, 0.4);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: var(--primary);
  border-color: var(--primary);
}

.btn--outline:hover {
  background: rgba(255, 255, 255, 0.65);
  color: var(--primary-dark);
}

.btn--white {
  background-color: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

.btn--white:hover {
  background-color: var(--gray-50);
  box-shadow: var(--shadow-lg);
}

.btn--navy {
  background-color: var(--navy);
  color: var(--white);
}

.btn--navy:hover {
  background-color: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn--gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--white);
}

.btn--gold:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

.btn--sm {
  padding: var(--space-sm) var(--space-md);
  font-size: 0.875rem;
}

.btn--lg {
  padding: var(--space-lg) var(--space-2xl);
  font-size: 1rem;
}

button:disabled,
.btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  padding-top: 120px;
  padding-bottom: var(--space-5xl);
  position: relative;
  overflow: hidden;
  background-color: var(--cream);
}

.hero--dark {
  background: var(--cream);
  color: var(--navy);
  position: relative;
  min-height: 70vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.hero--dark h1,
.hero--dark h2,
.hero--dark h3,
.hero--dark h4 {
  color: var(--navy);
}

.hero--dark h1 span {
  color: var(--accent);
}

.hero--dark::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(90deg, transparent 0%, rgba(184, 134, 11, 0.04) 50%, transparent 100%);
  background-size: 200% 100%;
  z-index: 0;
  opacity: 0.5;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 680px;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  background: rgba(184, 134, 11, 0.06);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: var(--primary);
  padding: var(--space-sm) var(--space-lg);
  border-radius: var(--radius-full);
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: var(--space-lg);
  border: 1px solid rgba(184, 134, 11, 0.12);
}

.hero__title {
  font-size: 3.5rem;
  margin-bottom: var(--space-lg);
  line-height: 1.1;
}

.hero__subtitle {
  font-size: 1.25rem;
  color: var(--off-white);
  margin-bottom: var(--space-2xl);
  line-height: 1.8;
}

.hero__actions {
  display: flex;
  gap: var(--space-lg);
  margin-bottom: var(--space-3xl);
  flex-wrap: wrap;
}

.hero__stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-2xl);
  padding-top: var(--space-2xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  width: 100%;
  max-width: 600px;
}

.hero__stat-item {
  text-align: left;
}

.hero__stat-number {
  font-family: var(--font-display);
  font-size: 2rem;
  color: var(--gold-light);
  text-shadow: 0 0 20px rgba(229, 184, 76, 0.3);
  font-weight: 700;
}

.hero__stat-label {
  font-size: 0.875rem;
  color: var(--off-white);
  margin-top: var(--space-sm);
}

@keyframes heroShimmer {
  0%, 100% { background-position: -200% 0; }
  50% { background-position: 200% 0; }
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: rgba(255, 249, 240, 0.7);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  padding: var(--space-2xl) 0;
  position: relative;
}

.trust-bar::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
}

.trust-bar::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
}

.trust-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: var(--space-2xl);
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  text-align: left;
  font-size: 1.05rem;
}

.trust-bar__icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-bar__icon svg,
.trust-bar__icon img {
  width: 24px;
  height: 24px;
  stroke: var(--white);
  color: var(--white);
}

.trust-bar__text {
  font-weight: 600;
  color: var(--navy);
}

.trust-bar__subtext {
  font-size: 0.875rem;
  color: var(--gray-600);
}

/* ============================================
   SERVICE CARDS (Landing Page)
   ============================================ */
.service-card {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-2xl);
  border: 1px solid var(--glass-border);
  padding: var(--space-3xl) var(--space-2xl);
  transition: all var(--transition-base);
  height: 100%;
  position: relative;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: var(--glass-shadow);
}

.service-card:hover {
  border-color: var(--primary);
  box-shadow: 0 12px 40px rgba(184, 134, 11, 0.1), 0 2px 8px rgba(0, 0, 0, 0.04);
  transform: translateY(-8px);
  background: rgba(255, 255, 255, 0.8);
}

.service-card__icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-2xl);
  flex-shrink: 0;
}

.service-card__icon svg {
  width: 40px;
  height: 40px;
  color: var(--white);
}

.service-card__title {
  font-size: 1.5rem;
  font-family: var(--font-display);
  color: var(--navy);
  margin-bottom: var(--space-md);
}

.service-card__description {
  font-size: 1rem;
  color: var(--gray-600);
  margin-bottom: var(--space-xl);
  flex-grow: 1;
}

.service-card__cta {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  color: var(--primary);
  font-weight: 600;
  transition: all var(--transition-fast);
}

.service-card__cta svg {
  width: 18px;
  height: 18px;
  transition: transform var(--transition-fast);
}

.service-card:hover .service-card__cta svg {
  transform: translateX(4px);
}

.service-card-link {
  text-decoration: none;
  color: inherit;
  display: block;
}

.service-card:hover img {
  transform: scale(1.06);
}

/* ============================================
   CARDS
   ============================================ */
.card {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-2xl);
  border: 1px solid var(--glass-border);
  padding: var(--space-2xl);
  transition: all var(--transition-base);
  height: 100%;
  position: relative;
  border-top: 3px solid transparent;
  box-shadow: var(--glass-shadow);
}

.card:hover {
  border-color: var(--primary);
  border-top-color: var(--primary);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
  transform: translateY(-6px);
  background: rgba(255, 255, 255, 0.82);
}

.card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-lg);
  font-weight: 700;
  font-size: 1.5rem;
  line-height: 1;
  transition: transform var(--transition-base);
}

.card:hover .card__icon {
  transform: scale(1.15);
}

.card__icon--gold {
  background-color: rgba(201, 150, 26, 0.1);
  color: var(--gold);
}

.card__icon--blue {
  background-color: var(--blue-light);
  color: var(--blue);
}

.card__icon--green {
  background-color: var(--green-light);
  color: var(--green);
}

.card__icon--orange {
  background-color: var(--orange-light);
  color: var(--orange);
}

.card__title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  margin-bottom: var(--space-md);
  color: var(--navy);
}

.card__text {
  color: var(--gray-600);
  margin-bottom: var(--space-lg);
  line-height: 1.8;
}

.card__features {
  list-style: none;
  margin-bottom: var(--space-lg);
}

.card__features li {
  padding: var(--space-sm) 0;
  padding-left: var(--space-lg);
  position: relative;
  color: var(--gray-700);
  font-size: 0.95rem;
}

.card__features li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--gold);
}

.card__link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  color: var(--primary);
  font-weight: 600;
  transition: all var(--transition-fast);
}

.card__link:hover {
  gap: var(--space-md);
  color: var(--primary-dark);
}

/* ============================================
   STATS
   ============================================ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-2xl);
}

.stat-card {
  text-align: center;
}

.stat-card__number {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--primary);
  font-weight: 700;
  margin-bottom: var(--space-md);
}

.stat-card__label {
  font-size: 0.95rem;
  color: var(--gray-600);
  font-weight: 500;
}

/* ============================================
   WHY SECTION
   ============================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-3xl);
  align-items: center;
}

.why-card {
  display: flex;
  gap: var(--space-2xl);
  padding: var(--space-2xl);
  border-left: 4px solid var(--gold);
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border-subtle);
  border-left: 4px solid var(--gold);
  box-shadow: var(--glass-shadow);
  border-radius: var(--radius-lg);
  position: relative;
  transition: all var(--transition-base);
}

.why-card:hover {
  box-shadow: 0 8px 24px rgba(201, 150, 26, 0.1);
  transform: translateY(-4px);
  background: rgba(255, 255, 255, 0.7);
}

.why-card__number {
  font-family: var(--font-display);
  font-size: 3rem;
  color: rgba(201, 150, 26, 0.1);
  font-weight: 700;
  line-height: 1;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  opacity: 0.4;
  transition: opacity var(--transition-base);
}

.why-card:hover .why-card__number {
  opacity: 0.6;
}

.why-card__content {
  flex: 1;
}

.why-card__title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: var(--space-md);
}

.why-card__text {
  color: var(--gray-600);
  line-height: 1.8;
}

/* ============================================
   CALCULATORS
   ============================================ */
.calc-wrapper {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-2xl);
  align-items: start;
}

.calc-card {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  box-shadow: var(--glass-shadow);
}

.form-group {
  margin-bottom: var(--space-xl);
}

.form-group label {
  display: block;
  margin-bottom: var(--space-md);
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-xl);
}

.form-row .form-group {
  margin-bottom: 0;
}

.range-group {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}

.range-group input[type='range'] {
  flex: 1;
  height: 6px;
  border-radius: var(--radius-full);
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}

.range-group input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-fast);
}

.range-group input[type='range']::-webkit-slider-thumb:hover {
  width: 24px;
  height: 24px;
  box-shadow: var(--shadow-gold);
}

.range-group input[type='range']::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: none;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-fast);
}

.range-group input[type='range']::-moz-range-thumb:hover {
  width: 24px;
  height: 24px;
  box-shadow: var(--shadow-gold);
}

.range-group .form-value {
  font-weight: 700;
  color: var(--primary);
  min-width: 60px;
  text-align: right;
}

select {
  width: 100%;
  padding: var(--space-md);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-lg);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--navy);
  background-color: var(--white);
  cursor: pointer;
  transition: all var(--transition-fast);
}

select:hover,
select:focus {
  border-color: var(--gold);
  outline: none;
  box-shadow: 0 0 0 3px rgba(201, 150, 26, 0.1);
}

.calc-result {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  color: var(--white);
  margin-top: var(--space-2xl);
}

.calc-result__item {
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-lg);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.calc-result__item:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.calc-result__label {
  font-size: 0.875rem;
  color: var(--off-white);
  margin-bottom: var(--space-sm);
}

.calc-result__value {
  font-family: var(--font-display);
  font-size: 1.75rem;
  color: var(--gold-light);
  font-weight: 700;
}

.calc-result__breakdown {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-lg);
  margin-top: var(--space-2xl);
  padding-top: var(--space-2xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.calc-result__breakdown-item {
  text-align: center;
}

.calc-result__breakdown-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--off-white);
  margin-bottom: var(--space-sm);
}

.calc-result__breakdown-value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--gold-light);
  font-weight: 700;
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
}

.testimonial-card {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  box-shadow: var(--glass-shadow);
  transition: all var(--transition-base);
}

.testimonial-card:hover {
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
  transform: translateY(-4px);
  background: rgba(255, 255, 255, 0.82);
}

.testimonial-card__stars {
  display: flex;
  gap: 4px;
  margin-bottom: var(--space-lg);
}

.testimonial-card__star {
  color: var(--gold);
  font-size: 1rem;
}

.testimonial-card__text {
  color: var(--gray-700);
  margin-bottom: var(--space-lg);
  line-height: 1.8;
  font-style: italic;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.testimonial-card__avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  flex-shrink: 0;
}

.testimonial-card__name {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}

.testimonial-card__role {
  font-size: 0.85rem;
  color: var(--gray-600);
}

/* ============================================
   FAQ
   ============================================ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
  max-width: 900px;
  margin: 0 auto;
}

.faq-item {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-base);
}

.faq-item.active {
  border-color: var(--gold);
  box-shadow: var(--glass-shadow);
  background: rgba(255, 255, 255, 0.8);
}

.faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: var(--space-lg);
  text-align: left;
  font-weight: 600;
  color: var(--navy);
  font-size: 1rem;
  font-family: var(--font-body);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  transition: color var(--transition-fast);
}

.faq-question:hover {
  color: var(--primary);
}

.faq-question::after {
  content: '▼';
  font-size: 0.75rem;
  color: var(--gold);
  transition: transform var(--transition-base);
  flex-shrink: 0;
  margin-left: var(--space-md);
}

.faq-item.active .faq-question::after {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  padding: 0 var(--space-lg);
  color: var(--gray-700);
  transition: max-height var(--transition-base), padding var(--transition-base);
  line-height: 1.8;
}

.faq-item.active .faq-answer {
  max-height: 500px;
  padding: 0 var(--space-lg) var(--space-lg) var(--space-lg);
}

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
  background: linear-gradient(180deg, rgba(255,249,240,0.85) 0%, rgba(245,237,224,0.85) 100%);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: var(--navy);
  padding: var(--space-4xl) var(--space-xl);
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(184,134,11,0.1);
  border-bottom: 1px solid rgba(184,134,11,0.1);
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(184, 134, 11, 0.06) 0%, transparent 70%);
  border-radius: 50%;
}

.cta-section::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -5%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(184, 134, 11, 0.04) 0%, transparent 70%);
  border-radius: 50%;
}

.cta-section__content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
}

.cta-section h2,
.cta-section p {
  color: var(--navy);
}

.cta-section h2 {
  color: var(--primary);
  font-family: var(--font-display);
}

.cta-section p {
  color: var(--gray-600);
}

.cta-section__title {
  font-family: var(--font-display);
  font-size: 2.5rem;
  margin-bottom: var(--space-lg);
}

.cta-section__text {
  font-size: 1.1rem;
  margin-bottom: var(--space-2xl);
  color: var(--gray-600);
}

.cta-section__action {
  display: inline-flex;
}

/* ============================================
   FOOTER
   ============================================ */
/* ============================================
   FOOTER - Tata Capital Inspired Design
   ============================================ */

/* ---- CTA Bar (gold gradient, stays on top of footer) ---- */
.footer__cta-bar {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: var(--space-xl) 0;
  color: white;
}
.footer__cta-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-lg);
}
.footer__cta-text {
  font-size: 1.15rem;
  font-weight: 600;
  font-family: var(--font-display);
}
.footer__cta-links {
  display: flex;
  gap: var(--space-xl);
  align-items: center;
}
.footer__cta-links a {
  color: white;
  text-decoration: none;
  font-weight: 500;
  font-size: 0.95rem;
  transition: opacity var(--transition-fast);
}
.footer__cta-links a:hover { opacity: 0.85; }

/* ---- Footer body (light, Tata Capital-inspired) ---- */
.footer {
  background: linear-gradient(180deg, #F8F5EE 0%, #EDE8DF 50%, #E8E4DC 100%);
  color: var(--navy);
  padding: 0;
}

/* Quick-links row (horizontal, like Tata Capital top nav row) */
.footer__quicklinks {
  padding: var(--space-xl) 0;
  border-bottom: 1px solid var(--gray-300);
}
.footer__quicklinks-inner {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-xl) var(--space-2xl);
}
.footer__quicklinks a {
  color: var(--navy);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  transition: color var(--transition-fast);
}
.footer__quicklinks a:hover { color: var(--primary); }

/* Sectioned rows (horizontal groupings like "Our Products", "Useful Links") */
.footer__section-row {
  padding: var(--space-lg) 0;
  border-bottom: 1px solid var(--gray-200);
}
.footer__section-row h5 {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-md);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.footer__section-row-links {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm) var(--space-xl);
}
.footer__section-row-links a {
  color: var(--gray-600);
  text-decoration: none;
  font-size: 0.88rem;
  transition: color var(--transition-fast);
}
.footer__section-row-links a:hover { color: var(--primary); }
.footer__section-row-links .sep {
  color: var(--gray-300);
  user-select: none;
}

/* Brand + social row */
.footer__brand-row {
  padding: var(--space-2xl) 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-xl);
  border-bottom: 1px solid var(--gray-200);
}
.footer__brand-left {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}
.footer__brand-left img { height: 50px; }
.footer__brand-left span {
  font-size: 0.85rem;
  color: var(--gray-500);
  max-width: 320px;
  line-height: 1.6;
}

.footer__social {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}
.footer__social-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-right: var(--space-sm);
}
.footer__social-link {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: var(--gray-200);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-600);
  transition: all var(--transition-fast);
  text-decoration: none;
}
.footer__social-link:hover {
  background: var(--primary);
  color: white;
}
.footer__social-link svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

/* Bottom bar */
.footer__bottom {
  padding: var(--space-lg) 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-md);
  font-size: 0.8rem;
  color: var(--gray-500);
}
.footer__bottom-links {
  display: flex;
  gap: var(--space-lg);
  list-style: none;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}
.footer__bottom-links a {
  color: var(--gray-500);
  text-decoration: none;
  transition: color var(--transition-fast);
}
.footer__bottom-links a:hover { color: var(--primary); }
.footer__bottom p { margin: 0; }

/* ============================================
   FLOATING WHATSAPP
   ============================================ */
.whatsapp-float {
  position: fixed;
  bottom: var(--space-2xl);
  right: var(--space-2xl);
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background-color: #00a652;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: var(--shadow-lg);
  transition: all var(--transition-base);
  z-index: 999;
  color: var(--white);
  font-size: 1.5rem;
}

.whatsapp-float:hover {
  transform: scale(1.1) translateY(-3px);
  box-shadow: var(--shadow-xl);
}

/* ============================================
   PAGE HEADER
   ============================================ */
.page-header {
  background-color: var(--gray-50);
  padding: 120px var(--space-xl) var(--space-3xl);
  border-bottom: 1px solid var(--gray-200);
}

.page-header__title {
  font-size: 2.5rem;
  margin-bottom: var(--space-md);
}

.breadcrumb {
  display: flex;
  gap: var(--space-sm);
  font-size: 0.9rem;
  color: var(--gray-600);
}

.breadcrumb a {
  color: var(--primary);
}

.breadcrumb a:hover {
  color: var(--primary-dark);
}

/* ============================================
   PRODUCT PAGES
   ============================================ */
.product-hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
  padding: var(--space-4xl) 0;
}

.product-hero__visual {
  background: linear-gradient(135deg, var(--cream) 0%, var(--gray-50) 100%);
  border-radius: var(--radius-2xl);
  padding: var(--space-3xl);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 400px;
}

.product-hero__visual img {
  max-width: 100%;
  height: auto;
}

.product-highlights {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
  margin-top: var(--space-3xl);
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-2xl);
  position: relative;
  padding: var(--space-3xl) 0;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 60px;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, transparent 100%);
  z-index: 0;
}

.process-step {
  position: relative;
  z-index: 1;
  text-align: center;
}

.process-step__number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  margin: 0 auto var(--space-lg);
  font-size: 1.25rem;
}

.process-step__title {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: var(--space-md);
}

.process-step__desc {
  font-size: 0.95rem;
  color: var(--gray-600);
}

.doc-table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--space-2xl) 0;
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border-subtle);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--glass-shadow);
}

.doc-table thead {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
}

.doc-table th {
  padding: var(--space-lg);
  text-align: left;
  font-weight: 600;
  font-size: 0.95rem;
}

.doc-table td {
  padding: var(--space-lg);
  border-top: 1px solid var(--gray-200);
  color: var(--gray-700);
}

.doc-table tbody tr:hover {
  background-color: var(--gray-50);
}

/* ============================================
   TEAM SECTION
   ============================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
}

.team-member {
  text-align: center;
}

.team-member__image {
  width: 100%;
  height: 300px;
  border-radius: var(--radius-2xl);
  object-fit: cover;
  margin-bottom: var(--space-lg);
  background: linear-gradient(135deg, var(--cream) 0%, var(--gray-50) 100%);
}

.team-member__name {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: var(--space-sm);
}

.team-member__role {
  font-size: 0.95rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: var(--space-md);
}

.team-member__bio {
  font-size: 0.95rem;
  color: var(--gray-600);
  margin-bottom: var(--space-lg);
  line-height: 1.8;
}

.director-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-2xl);
  border: 1px solid var(--glass-border);
  padding: var(--space-2xl);
  transition: all var(--transition-base);
  box-shadow: var(--glass-shadow);
}

.director-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
  transform: translateY(-4px);
  background: rgba(255, 255, 255, 0.82);
}

.director-card h3 {
  font-size: 1.35rem;
  margin-bottom: var(--space-xs);
  color: var(--navy);
}

.director-card p {
  max-width: 100%;
}

.director-card__photo {
  width: 250px;
  height: 250px;
  border-radius: var(--radius-xl);
  object-fit: cover;
  background: linear-gradient(135deg, var(--cream) 0%, var(--gray-50) 100%);
}

.director-card__content h3 {
  font-size: 1.5rem;
  margin-bottom: var(--space-sm);
}

.director-card__role {
  color: var(--gold);
  font-weight: 600;
  margin-bottom: var(--space-lg);
}

.director-card__quals {
  margin-bottom: var(--space-lg);
}

.director-card__quals strong {
  display: block;
  color: var(--navy);
  margin-bottom: var(--space-sm);
}

.director-card__quals p {
  margin: 0;
  color: var(--gray-600);
  font-size: 0.95rem;
}

/* ============================================
   NCD SECTION
   ============================================ */
.ncd-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  color: var(--white);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.ncd-card__badge {
  color: var(--gold-light);
  font-weight: 700;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: var(--space-md);
}

.ncd-card__rate {
  font-family: var(--font-display);
  font-size: 2.5rem;
  margin-bottom: var(--space-md);
  color: var(--gold-light);
}

.ncd-card__text {
  flex: 1;
  color: var(--off-white);
  margin-bottom: var(--space-lg);
  line-height: 1.8;
}

.ncd-highlights {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-lg);
  margin-top: var(--space-2xl);
}

.ncd-highlight {
  text-align: center;
}

.ncd-highlight__label {
  font-size: 0.75rem;
  color: var(--off-white);
  margin-bottom: var(--space-sm);
  text-transform: uppercase;
}

.ncd-highlight__value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--gold-light);
  font-weight: 700;
}

/* ============================================
   BRANCH SECTION
   ============================================ */
.branch-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
}

.branch-card {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  border: 1px solid var(--glass-border);
  transition: all var(--transition-base);
  box-shadow: var(--glass-shadow);
}

.branch-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
  background: rgba(255, 255, 255, 0.82);
}

.branch-card__city {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: var(--space-sm);
}

.branch-card__address {
  color: var(--gray-600);
  margin-bottom: var(--space-md);
  line-height: 1.8;
}

.branch-card__contact {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  font-size: 0.95rem;
  color: var(--gray-700);
}

.branch-card__contact a {
  color: var(--primary);
}

/* ============================================
   LEAD FORM
   ============================================ */
.lead-form {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  box-shadow: var(--glass-shadow);
}

.lead-form__title {
  font-size: 1.5rem;
  margin-bottom: var(--space-lg);
  color: var(--navy);
  text-align: center;
}

.lead-form input,
.lead-form textarea {
  width: 100%;
  padding: var(--space-md);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-lg);
  font-family: var(--font-body);
  font-size: 0.95rem;
  transition: all var(--transition-fast);
  margin-bottom: var(--space-lg);
}

.lead-form input:focus,
.lead-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 150, 26, 0.1);
}

.lead-form textarea {
  resize: vertical;
  min-height: 120px;
}

.lead-form .btn {
  width: 100%;
  margin-top: var(--space-md);
}

/* ============================================
   POLICY SECTION
   ============================================ */
.policy-card {
  display: flex;
  align-items: flex-start;
  gap: var(--space-lg);
  padding: var(--space-lg);
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border-subtle);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-lg);
}

.policy-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.5rem;
  flex-shrink: 0;
}

.policy-card__content h4 {
  margin-bottom: var(--space-sm);
  font-size: 1.1rem;
}

.policy-card__content p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--gray-600);
}

/* ============================================
   TIMELINE
   ============================================ */
.timeline {
  position: relative;
  padding: var(--space-2xl) 0 var(--space-2xl) var(--space-2xl);
}

.timeline::before {
  content: '';
  position: absolute;
  left: 8px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--gold) 0%, var(--gold-light) 50%, transparent 100%);
}

.timeline-item {
  margin-bottom: var(--space-2xl);
  padding-left: var(--space-3xl);
  position: relative;
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: -4px;
  top: 6px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border: 3px solid var(--white);
  box-shadow: var(--shadow-md);
}

.timeline-item__title {
  font-weight: 600;
  color: var(--navy);
  margin-bottom: var(--space-sm);
}

.timeline-item__desc {
  color: var(--gray-600);
  font-size: 0.95rem;
}

/* ============================================
   ANIMATIONS
   ============================================ */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* fade-up: always visible, with subtle additive animation on scroll */
.fade-up {
  opacity: 1;
  transform: translateY(0);
}

.fade-up.visible {
  animation: fadeUpIn 0.5s ease-out;
}

@keyframes fadeUpIn {
  from {
    opacity: 0.7;
    transform: translateY(15px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes slideInLeft {
  from {
    opacity: 0;
    transform: translateX(-50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.slide-in-left {
  opacity: 1;
  transform: translateX(0);
}

.slide-in-left.visible {
  animation: slideInLeftAnim 0.5s ease-out;
}

@keyframes slideInRight {
  from {
    opacity: 0;
    transform: translateX(50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.slide-in-right {
  opacity: 1;
  transform: translateX(0);
}

.slide-in-right.visible {
  animation: slideInRightAnim 0.5s ease-out;
}

@keyframes slideInLeftAnim {
  from { opacity: 0.7; transform: translateX(-20px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes slideInRightAnim {
  from { opacity: 0.7; transform: translateX(20px); }
  to { opacity: 1; transform: translateX(0); }
}

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

/* Tablet (1024px) */
@media (max-width: 1024px) {
  h1 {
    font-size: 2.5rem;
  }

  h2 {
    font-size: 2rem;
  }

  h3 {
    font-size: 1.5rem;
  }

  .container {
    padding: 0 var(--space-lg);
  }

  .section {
    padding: var(--space-4xl) 0;
  }

  .grid--4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .stats-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

  .calc-wrapper {
    grid-template-columns: 1fr;
  }

  .testimonial-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .team-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .branch-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .product-hero {
    grid-template-columns: 1fr;
  }

  .director-card {
    grid-template-columns: 1fr;
  }

  .director-card__photo {
    width: 100%;
    max-width: 300px;
  }

  .footer__top {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer__cta-bar-inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .nav__links {
    gap: var(--space-lg);
  }
}

/* Mobile (768px) */
@media (max-width: 768px) {
  h1 {
    font-size: 2rem;
  }

  h2 {
    font-size: 1.5rem;
  }

  h3 {
    font-size: 1.25rem;
  }

  .container {
    padding: 0 var(--space-lg);
  }

  .section {
    padding: var(--space-3xl) 0;
  }

  .grid--2,
  .grid--3,
  .grid--4 {
    grid-template-columns: 1fr;
  }

  .nav__links {
    display: none;
  }

  .nav__hamburger {
    display: flex;
  }

  .nav__cta {
    display: none;
  }

  .nav {
    width: calc(100% - 24px);
    padding: 0 12px;
  }

  .hero__actions {
    flex-direction: column;
  }

  .hero__stats {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-bar__inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer__cta-bar-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-md);
  }
  .footer__cta-links {
    flex-direction: column;
    align-items: flex-start;
  }
  .footer__quicklinks-inner {
    justify-content: flex-start;
    gap: var(--space-md) var(--space-lg);
  }
  .footer__brand-row,
  .footer__brand-row > .container {
    flex-direction: column;
    align-items: flex-start;
  }
  .footer__bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .calc-result__breakdown {
    grid-template-columns: 1fr;
  }

  .calc-result__breakdown-item {
    text-align: left;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--space-lg);
  }

  .stats-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .team-grid {
    grid-template-columns: 1fr;
  }

  .branch-grid {
    grid-template-columns: 1fr;
  }

  .process-steps {
    grid-template-columns: 1fr;
    padding-top: 0;
  }

  .process-steps::before {
    display: none;
  }

  .process-step::before {
    display: none;
  }

  .footer__top {
    grid-template-columns: 1fr;
  }

  .footer__bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .cta-section {
    padding: var(--space-3xl) var(--space-lg);
  }

  .cta-section__title {
    font-size: 1.75rem;
  }

  .whatsapp-float {
    bottom: var(--space-lg);
    right: var(--space-lg);
  }

  /* Footer section rows stack on mobile */
  .footer__section-row-links {
    flex-wrap: wrap;
    gap: var(--space-sm) var(--space-lg);
  }

  /* Make all form inputs touch-friendly */
  input, select, textarea {
    font-size: 16px !important; /* prevents iOS zoom on focus */
  }

  /* Policy grids */
  .policy-grid-2 { grid-template-columns: 1fr !important; }
  .policy-grid-3 { grid-template-columns: 1fr !important; }
}

/* Small Mobile (480px) */
@media (max-width: 480px) {
  :root {
    font-size: 14px;
  }

  h1 {
    font-size: 1.75rem;
  }

  h2 {
    font-size: 1.25rem;
  }

  h3 {
    font-size: 1rem;
  }

  .container {
    padding: 0 var(--space-md);
  }

  .section {
    padding: var(--space-2xl) 0;
  }

  .nav {
    height: 64px;
  }

  .hero {
    padding-top: 64px;
    padding-bottom: var(--space-3xl);
  }

  .hero__title {
    font-size: 1.75rem;
  }

  .hero__subtitle {
    font-size: 1rem;
  }

  .hero__badge {
    font-size: 0.75rem;
  }

  .hero__actions {
    flex-direction: column;
  }

  .hero__stats {
    margin-top: var(--space-2xl);
    padding-top: var(--space-2xl);
  }

  .page-header {
    padding: 100px var(--space-md) var(--space-2xl);
  }

  .page-header__title {
    font-size: 1.75rem;
  }

  .card {
    padding: var(--space-lg);
  }

  .lead-form {
    padding: var(--space-lg);
  }

  .cta-section {
    padding: var(--space-2xl) var(--space-md);
  }

  .cta-section__title {
    font-size: 1.5rem;
  }

  .cta-section__text {
    font-size: 1rem;
  }

  .btn {
    padding: var(--space-md) var(--space-lg);
    font-size: 0.875rem;
  }

  .footer__top {
    gap: var(--space-2xl);
  }
}

/* ============================================
   DROPDOWN ICONS
   ============================================ */
.dd-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  flex-shrink: 0;
  font-weight: 700;
  background-color: var(--gray-100);
}

.nav__dropdown-menu li a {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  border-radius: var(--radius-md);
  color: var(--gray-700);
  transition: all var(--transition-fast);
}

.nav__dropdown-menu li a:hover {
  background-color: var(--gray-50);
}

.nav__dropdown-menu li a strong {
  color: var(--navy);
  font-size: 0.9rem;
}

.nav__dropdown-menu li a small {
  font-size: 0.8rem;
}

/* ============================================
   HERO BADGE (generic .badge class)
   ============================================ */
.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  background: rgba(201, 150, 26, 0.08);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: var(--gold-light);
  padding: var(--space-sm) var(--space-lg);
  border-radius: var(--radius-full);
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: var(--space-lg);
  border: 1px solid rgba(201, 150, 26, 0.2);
}

/* ============================================
   GENERIC SECTION PADDING
   ============================================ */
section {
  padding: var(--space-4xl) 0;
}

section.hero,
section.hero--dark {
  padding-top: calc(76px + var(--space-3xl));
  padding-bottom: var(--space-4xl);
}

/* Dark section text overrides */
.section--dark h1,
.section--dark h2,
.section--dark h3 {
  color: var(--white);
}

/* Stats in navy sections */
.section--navy .stat-card__number {
  color: var(--gold-light);
}

.section--navy .stat-card__label {
  color: var(--off-white);
}

/* Testimonial classes used in HTML (non-card variant) */
.testimonial {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-2xl);
  box-shadow: var(--glass-shadow);
  transition: all var(--transition-base);
  position: relative;
  border-left: 3px solid var(--gold);
  overflow: hidden;
}

.testimonial::before {
  content: '"';
  position: absolute;
  top: -20px;
  right: 0;
  font-size: 120px;
  color: var(--gold);
  opacity: 0.08;
  font-family: var(--font-display);
  line-height: 1;
}

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

.testimonial__stars {
  color: var(--gold);
  margin-bottom: var(--space-md);
  font-size: 1.1rem;
  letter-spacing: 2px;
  display: flex;
  gap: 6px;
}

.testimonial__stars svg {
  color: var(--gold);
  display: block;
}

.testimonial__text {
  color: var(--gray-700);
  margin-bottom: var(--space-lg);
  line-height: 1.8;
  font-style: italic;
  max-width: 100%;
}

.testimonial__author {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.testimonial__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.testimonial__name {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}

.testimonial__role {
  font-size: 0.85rem;
  color: var(--gray-500);
}

/* FAQ answer inner */
.faq-answer__inner {
  padding-bottom: var(--space-sm);
  color: var(--gray-600);
  line-height: 1.8;
}

/* Mobile nav styles */
.nav__mobile-links {
  list-style: none;
}

.nav__mobile-links li {
  padding: var(--space-sm) 0;
}

.nav__mobile-links li a {
  color: var(--gray-700);
  font-size: 1rem;
  font-weight: 500;
}

.nav__mobile-group-title {
  color: var(--gray-400);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding-top: var(--space-md);
  margin-top: var(--space-sm);
  border-top: 1px solid var(--gray-200);
}

/* Footer col h4 */
.footer__col h4 {
  color: var(--navy);
  font-size: 1rem;
  margin-bottom: var(--space-lg);
  font-family: var(--font-body);
  font-weight: 600;
}

/* Footer social inline */
.footer__social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: rgba(201, 150, 26, 0.15);
  color: var(--gold-light);
  font-size: 0.85rem;
  font-weight: 600;
  transition: all var(--transition-fast);
  text-decoration: none;
}

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

/* ============================================
   PROCESS STEPS GRID (5-column responsive)
   ============================================ */
.steps-grid-5 {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-md);
  text-align: center;
}

@media (max-width: 1024px) {
  .steps-grid-5 {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .steps-grid-5 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .steps-grid-5 {
    grid-template-columns: 1fr;
  }
}

/* Process steps horizontal (mortgage-style) */
.steps-grid-horizontal {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--space-xl);
}

/* Advisory table responsive */
@media (max-width: 768px) {
  table {
    font-size: 0.85rem;
  }
  table th,
  table td {
    padding: var(--space-sm) var(--space-md) !important;
  }
}

@media (max-width: 480px) {
  table thead {
    display: none;
  }
  table, table tbody, table tr, table td {
    display: block;
    width: 100%;
  }
  table tr {
    padding: var(--space-md);
    border-bottom: 1px solid var(--gray-200);
  }
  table td {
    padding: var(--space-xs) var(--space-md) !important;
    text-align: left !important;
  }
  table td:first-child {
    padding-top: var(--space-sm) !important;
  }
  table td:last-child {
    padding-bottom: var(--space-sm) !important;
  }
}

/* ============================================
   GLASS UI UTILITIES
   ============================================ */
.glass {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border-subtle);
  box-shadow: var(--glass-shadow);
}

.glass--heavy {
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur-heavy);
  -webkit-backdrop-filter: var(--glass-blur-heavy);
  border: 1px solid var(--glass-border);
}

.glass--light {
  background: var(--glass-bg-light);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border-subtle);
}

/* Print Styles */
@media print {
  .nav,
  .whatsapp-float,
  .footer {
    display: none;
  }

  body {
    background-color: var(--white);
    color: var(--navy);
  }
}