/* =============================================
   VISION FINANCE — MAIN STYLESHEET
   Design System: Navy + Gold + White
   Typography: Playfair Display + Inter
   ============================================= */

/* --- CSS Custom Properties --- */
:root {
  --navy: #0A1628;
  --navy-mid: #142035;
  --navy-light: #1E3356;
  --navy-hover: #243D6E;
  --gold: #C9A96E;
  --gold-light: #DFC08A;
  --gold-dark: #A8884A;
  --gold-pale: rgba(201,169,110,0.08);
  --white: #FFFFFF;
  --silver: #F5F7FA;
  --silver-dark: #E8ECF0;
  --border: #E2E8F0;
  --border-dark: #CBD5E1;
  --text-dark: #0A1628;
  --text-body: #374151;
  --text-muted: #6B7280;
  --text-light: #9CA3AF;
  --success: #166534;
  --success-bg: #f0fdf4;
  --error: #dc2626;
  --whatsapp: #25D366;

  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4.5rem;
  --space-2xl: 6rem;

  --radius-sm: 2px;
  --radius-md: 6px;
  --radius-lg: 10px;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 4px rgba(10,22,40,0.07);
  --shadow-md: 0 4px 18px rgba(10,22,40,0.11);
  --shadow-lg: 0 10px 40px rgba(10,22,40,0.15);
  --shadow-gold: 0 6px 24px rgba(201,169,110,0.22);

  --transition: 0.24s ease;
  --transition-slow: 0.4s ease;

  --max-width: 1180px;
  --max-narrow: 820px;
  --header-height: 80px;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 1rem;
  line-height: 1.75;
  color: var(--text-body);
  background: var(--white);
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; font-size: inherit; }

/* --- Typography --- */
h1,h2,h3,h4,h5,h6 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  color: var(--navy);
  font-weight: 600;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.75rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.65rem); }
h4 { font-size: 1.2rem; font-weight: 600; }
h5 { font-size: 1.05rem; font-weight: 600; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
strong { font-weight: 600; color: var(--text-dark); }

/* --- Layout --- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.container-narrow {
  width: 100%;
  max-width: var(--max-narrow);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section { padding: var(--space-xl) 0; }
.section-lg { padding: var(--space-2xl) 0; }

/* Section Labels */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--gold);
  margin-bottom: 1rem;
}
.section-label::before {
  content: '';
  display: block;
  width: 28px;
  height: 1px;
  background: var(--gold);
  flex-shrink: 0;
}
.section-title {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--navy);
  margin-bottom: 1rem;
  line-height: 1.15;
}
.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 600px;
  line-height: 1.75;
}
.section-header { margin-bottom: var(--space-lg); }
.section-header.centered { text-align: center; }
.section-header.centered .section-subtitle { margin: 0 auto; }
.section-header.centered .section-label { justify-content: center; }
.section-header.centered .section-label::before { display: none; }
.section-header.centered .section-label::after {
  content: '';
  display: block;
  width: 28px;
  height: 1px;
  background: var(--gold);
}

/* Backgrounds */
.bg-white { background: var(--white); }
.bg-silver { background: var(--silver); }
.bg-navy { background: var(--navy); }
.bg-navy-mid { background: var(--navy-mid); }

/* Text utilities */
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }
.text-muted { color: var(--text-muted); }
.text-center { text-align: center; }

/* --- Grid --- */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2,1fr); }
.grid-3 { grid-template-columns: repeat(3,1fr); }
.grid-4 { grid-template-columns: repeat(4,1fr); }
.grid-5 { grid-template-columns: repeat(5,1fr); }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 0.875rem 2rem;
  border: 2px solid transparent;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
  text-decoration: none;
  line-height: 1;
  position: relative;
  overflow: hidden;
}
.btn svg { width: 16px; height: 16px; flex-shrink: 0; }

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

.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: rgba(201,169,110,0.5);
}
.btn-secondary:hover {
  background: rgba(201,169,110,0.1);
  border-color: var(--gold);
  color: var(--gold);
}

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

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
}

.btn-sm { padding: 0.625rem 1.375rem; font-size: 0.82rem; }
.btn-lg { padding: 1.125rem 2.75rem; font-size: 0.95rem; }
.btn-block { width: 100%; justify-content: center; }

/* --- Header --- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy);
  border-bottom: 1px solid rgba(201,169,110,0.12);
  transition: box-shadow var(--transition);
}
.site-header.scrolled {
  box-shadow: 0 2px 24px rgba(10,22,40,0.45);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  padding: 0 1.5rem;
  max-width: var(--max-width);
  margin: 0 auto;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  flex-shrink: 0;
  user-select: none;
}
.logo-mark {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  flex-shrink: 0;
  letter-spacing: -0.03em;
}
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.06em;
}
.logo-tagline {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-top: 2px;
}

/* Nav */
.main-nav { display: flex; align-items: center; }
.nav-list { display: flex; align-items: center; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 0.2rem;
  padding: 0 0.875rem;
  height: var(--header-height);
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  white-space: nowrap;
  transition: color var(--transition);
}
.nav-link svg { width: 13px; height: 13px; transition: transform var(--transition); }
.nav-item:hover > .nav-link,
.nav-item.active > .nav-link { color: var(--gold); }
.nav-item:hover > .nav-link svg { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(var(--header-height) - 2px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 2px solid var(--gold);
  min-width: 226px;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all var(--transition);
  z-index: 200;
}
.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-link {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 1.25rem;
  font-size: 0.86rem;
  font-weight: 400;
  color: var(--text-body);
  border-bottom: 1px solid var(--silver);
  transition: all var(--transition);
}
.dropdown-link:last-child { border-bottom: none; }
.dropdown-link:hover {
  background: var(--silver);
  color: var(--navy);
  padding-left: 1.625rem;
}
.dropdown-link svg { width: 14px; height: 14px; color: var(--gold); flex-shrink: 0; }

.nav-cta { margin-left: 1.25rem; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  background: none;
  border: none;
  cursor: pointer;
}
.hamburger-line {
  width: 23px;
  height: 2px;
  background: var(--white);
  transition: all var(--transition);
  transform-origin: center;
  display: block;
}
.hamburger.active .hamburger-line:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active .hamburger-line:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active .hamburger-line:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  visibility: hidden;
  position: fixed;
  top: var(--header-height);
  left: 0; right: 0; bottom: 0;
  background: var(--navy);
  z-index: 999;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform var(--transition-slow), visibility var(--transition-slow);
  -webkit-overflow-scrolling: touch;
}
.mobile-nav.open { transform: translateX(0); visibility: visible; }
.mobile-nav-inner { padding: 1rem 1.5rem 6rem; }
.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255,255,255,0.88);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  cursor: pointer;
  user-select: none;
}
.mobile-nav-link a { color: inherit; flex: 1; }
.mobile-nav-link svg { width: 16px; height: 16px; transition: transform var(--transition); flex-shrink: 0; }
.mobile-nav-link.sub-open svg { transform: rotate(180deg); }
.mobile-nav-link:hover { color: var(--gold); }
.mobile-submenu { display: none; padding: 0.375rem 0 0.5rem 1rem; }
.mobile-submenu.open { display: block; }
.mobile-submenu-link {
  display: block;
  padding: 0.6rem 0;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  border-bottom: 1px solid rgba(255,255,255,0.04);
  transition: color var(--transition);
}
.mobile-submenu-link:hover { color: var(--gold); }
.mobile-nav-cta {
  margin-top: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

/* --- Page Hero (Inner pages) --- */
.page-hero {
  background: var(--navy);
  padding: calc(var(--header-height) + 3.5rem) 0 3.5rem;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(60deg, rgba(201,169,110,0.03) 1px, transparent 1px),
    linear-gradient(-60deg, rgba(201,169,110,0.03) 1px, transparent 1px);
  background-size: 70px 70px;
  pointer-events: none;
}
.page-hero-content { position: relative; z-index: 1; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
}
.breadcrumb a { color: rgba(255,255,255,0.45); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb-sep { color: rgba(255,255,255,0.25); }
.breadcrumb .current { color: var(--gold); }
.page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201,169,110,0.12);
  border: 1px solid rgba(201,169,110,0.28);
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 0.4rem 1rem;
  margin-bottom: 1.25rem;
  font-family: 'Inter', sans-serif;
}
.page-hero-title {
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  color: var(--white);
  margin-bottom: 1rem;
}
.page-hero-subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.65);
  max-width: 580px;
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  line-height: 1.75;
  margin-bottom: 2rem;
}
.page-hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

/* --- Hero Section --- */
.hero {
  position: relative;
  min-height: 100vh;
  background: var(--navy);
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(0deg, rgba(201,169,110,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,169,110,0.035) 1px, transparent 1px);
  background-size: 80px 80px;
}
.hero-bg::after {
  content: '';
  position: absolute;
  top: -25%;
  right: -15%;
  width: 65vw;
  height: 65vw;
  border: 1px solid rgba(201,169,110,0.055);
  border-radius: 50%;
  animation: slowRotate 70s linear infinite;
}
.hero-circle-2 {
  position: absolute;
  top: 5%;
  right: 0%;
  width: 42vw;
  height: 42vw;
  border: 1px solid rgba(201,169,110,0.035);
  border-radius: 50%;
  animation: slowRotate 95s linear infinite reverse;
}
.hero-circle-3 {
  position: absolute;
  bottom: -20%;
  left: -10%;
  width: 55vw;
  height: 55vw;
  border: 1px solid rgba(201,169,110,0.025);
  border-radius: 50%;
}
.hero-line {
  position: absolute;
  bottom: 0;
  left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,169,110,0.35), transparent);
}
@keyframes slowRotate {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3.5rem;
  align-items: flex-start;
  padding-top: calc(var(--header-height) + 2.5rem);
  padding-bottom: 4.5rem;
  position: relative;
  z-index: 2;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 100%;
  padding-top: 0;
  padding-bottom: 0;
}

/* Right-Side Hero Contact Form Card */
.hero-form-card {
  background: var(--white);
  border-radius: 12px;
  border-top: 4px solid var(--gold);
  box-shadow: 0 20px 50px rgba(0,0,0,0.45);
  padding: 2.25rem 2rem;
  color: var(--navy);
  position: relative;
  z-index: 10;
  margin-top: 2.35rem;
}
.hero-form-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.25rem;
}
.hero-form-subtitle {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 1.5rem;
}
.hero-form-group {
  margin-bottom: 1rem;
  text-align: left;
}
.hero-form-label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.35rem;
}
.hero-form-label .req {
  color: var(--error);
}
.hero-form-input,
.hero-form-select {
  width: 100%;
  padding: 0.75rem 0.9rem;
  background: var(--silver);
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 0.875rem;
  color: var(--navy);
  outline: none;
  transition: border var(--transition), background var(--transition);
}
.hero-form-input:focus,
.hero-form-select:focus {
  border-color: var(--gold);
  background: var(--white);
}
.hero-form-submit {
  margin-top: 0.5rem;
  width: 100%;
  border-radius: 6px;
  padding: 0.85rem;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
}
.hero-form-note {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.85rem;
  text-align: center;
}

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 0.875rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--gold);
  margin-bottom: 1.75rem;
}
.hero-label::before,
.hero-label::after {
  content: '';
  display: block;
  height: 1px;
  width: 32px;
  background: var(--gold);
}
.hero-title {
  font-size: clamp(2.6rem, 6.5vw, 4.75rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.08;
  margin-bottom: 1.5rem;
}
.hero-title .accent { color: var(--gold); font-style: italic; }
.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.175rem);
  color: rgba(255,255,255,0.65);
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  line-height: 1.8;
  margin-bottom: 2.75rem;
  max-width: 560px;
}
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3.5rem; }
.hero-stats {
  display: flex;
  gap: 2.75rem;
  flex-wrap: wrap;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(201,169,110,0.18);
}
.hero-stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.3rem;
}
.hero-stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-family: 'Inter', sans-serif;
}

/* --- Trust Bar --- */
.trust-bar {
  background: var(--silver);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 1.375rem 0;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
  justify-content: center;
}
.trust-bar-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--text-muted);
  white-space: nowrap;
}
.trust-bar-divider { width: 1px; height: 22px; background: var(--border-dark); flex-shrink: 0; }
.trust-items { display: flex; align-items: center; gap: 2rem; flex-wrap: wrap; justify-content: center; }
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 500;
}
.trust-item svg { color: var(--gold); width: 15px; height: 15px; }

/* --- Service Cards --- */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 2rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 3px;
  background: var(--gold);
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform var(--transition);
}
.service-card:hover {
  border-color: rgba(201,169,110,0.25);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.service-card:hover::after { transform: scaleY(1); }
.service-icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-pale);
  color: var(--gold-dark);
  margin-bottom: 1.375rem;
  transition: all var(--transition);
}
.service-icon svg { width: 24px; height: 24px; }
.service-card:hover .service-icon { background: var(--gold); color: var(--navy); }
.service-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  font-weight: 600;
}
.service-card-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.375rem;
}
.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  font-family: 'Inter', sans-serif;
  letter-spacing: 0.03em;
  transition: all var(--transition);
}
.service-card-link svg { width: 14px; height: 14px; transition: transform var(--transition); }
.service-card-link:hover { color: var(--gold-dark); }
.service-card-link:hover svg { transform: translateX(4px); }

/* Core Service Cards */
.core-card {
  text-align: center;
  padding: 2.75rem 1.75rem;
  background: var(--white);
  border: 1px solid var(--border);
  transition: all var(--transition);
}
.core-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
  transform: translateY(-5px);
}
.core-icon {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  background: rgba(10,22,40,0.06);
  color: var(--navy);
  transition: all var(--transition);
}
.core-icon svg { width: 34px; height: 34px; }
.core-card:hover .core-icon { background: var(--navy); color: var(--gold); }
.core-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.core-desc { font-size: 0.875rem; color: var(--text-muted); }
.core-count {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 1rem;
  padding: 0.25rem 0.875rem;
  background: var(--silver);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-muted);
  font-family: 'Inter', sans-serif;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* --- Feature Block (Credit Cards / ITR) --- */
.feature-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: stretch;
}
.feature-split-reverse .feature-visual { order: -1; }
.feature-content {
  padding: 4rem 3.5rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.feature-visual {
  background: var(--navy-mid);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 420px;
  position: relative;
  overflow: hidden;
}
.feature-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(45deg, rgba(201,169,110,0.04) 1px, transparent 1px),
    linear-gradient(-45deg, rgba(201,169,110,0.04) 1px, transparent 1px);
  background-size: 40px 40px;
}
.feature-visual-icon {
  width: 130px;
  height: 130px;
  border: 2px solid rgba(201,169,110,0.25);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  position: relative;
  z-index: 1;
}
.feature-visual-icon svg { width: 60px; height: 60px; }
.feature-list { margin-top: 1.75rem; }
.feature-list-item {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
  color: var(--text-body);
}
.feature-list-item:last-child { border-bottom: none; }
.feature-list-item svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; margin-top: 3px; }

/* --- Why Choose --- */
.why-card {
  padding: 2rem;
  border-left: 3px solid var(--gold);
  background: var(--white);
  transition: all var(--transition);
}
.why-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.why-card-num {
  font-family: 'Playfair Display', serif;
  font-size: 3.5rem;
  font-weight: 700;
  color: rgba(201,169,110,0.18);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.why-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.why-card-desc { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }

/* --- Steps / How It Works --- */
.steps-wrap { position: relative; }
.steps-line {
  position: absolute;
  top: 40px;
  left: calc(12.5% + 32px);
  right: calc(12.5% + 32px);
  height: 1px;
  background: linear-gradient(90deg, var(--gold) 0%, rgba(201,169,110,0.2) 100%);
  pointer-events: none;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 0;
}
.step { text-align: center; padding: 1.5rem 1.25rem; }
.step-num {
  width: 68px;
  height: 68px;
  border: 2px solid var(--gold);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--navy);
  position: relative;
  z-index: 1;
  transition: all var(--transition);
}
.step:hover .step-num { background: var(--navy); color: var(--gold); border-color: var(--navy); }
.step-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.step-desc { font-size: 0.875rem; color: var(--text-muted); line-height: 1.6; }

/* --- FAQ Accordion --- */
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 0;
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy);
  gap: 1rem;
  user-select: none;
}
.faq-question:hover { color: var(--gold-dark); }
.faq-icon {
  width: 26px;
  height: 26px;
  flex-shrink: 0;
  border: 1px solid var(--border-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
  color: var(--navy);
}
.faq-icon svg { width: 14px; height: 14px; }
.faq-item.active .faq-icon {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
  transform: rotate(45deg);
}
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.36s ease; }
.faq-answer-inner {
  padding: 0 0 1.25rem;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.75;
}
.faq-item.active .faq-answer { max-height: 500px; }

/* --- Enquiry Form Section --- */
.enquiry-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.enquiry-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(45deg, rgba(201,169,110,0.028) 1px, transparent 1px),
    linear-gradient(-45deg, rgba(201,169,110,0.028) 1px, transparent 1px);
  background-size: 45px 45px;
  pointer-events: none;
}
.enquiry-inner { position: relative; z-index: 1; }
.enquiry-header { margin-bottom: 2.5rem; }
.enquiry-header .section-title { color: var(--white); }
.enquiry-header .section-subtitle { color: rgba(255,255,255,0.6); }
.enquiry-form {
  background: var(--white);
  padding: 2.75rem;
  border-top: 3px solid var(--gold);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.375rem; }
.form-group { display: flex; flex-direction: column; gap: 0.5rem; }
.form-group.full { grid-column: 1 / -1; }
.form-label {
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-dark);
  font-family: 'Inter', sans-serif;
}
.form-label .req { color: var(--error); margin-left: 2px; }
.form-input,
.form-select,
.form-textarea {
  padding: 0.875rem 1.1rem;
  border: 1px solid var(--border);
  background: var(--silver);
  color: var(--text-dark);
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  transition: all var(--transition);
  width: 100%;
  outline: none;
  border-radius: var(--radius-sm);
  -webkit-appearance: none;
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-light); }
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--navy-light);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(10,22,40,0.07);
}
.form-select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.75rem;
  cursor: pointer;
}
.form-textarea { resize: vertical; min-height: 110px; }
.form-field-error { font-size: 0.78rem; color: var(--error); margin-top: 0.25rem; }
.form-footer {
  margin-top: 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.form-note { font-size: 0.78rem; color: var(--text-muted); flex: 1; min-width: 200px; }
.form-success {
  display: none;
  background: var(--success-bg);
  border: 1px solid #86efac;
  color: var(--success);
  padding: 1rem 1.5rem;
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
  border-radius: var(--radius-sm);
}
.form-error {
  display: none;
  background: #fef2f2;
  border: 1px solid #fca5a5;
  color: #b91c1c;
  padding: 1rem 1.5rem;
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
  border-radius: var(--radius-sm);
  line-height: 1.5;
}

/* --- CTA Banner --- */
.cta-section {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,169,110,0.15);
  border-bottom: 1px solid rgba(201,169,110,0.15);
  padding: var(--space-xl) 0;
  text-align: center;
}
.cta-pretitle { color: var(--gold); margin-bottom: 0.5rem; }
.cta-title { color: var(--white); margin-bottom: 0.875rem; }
.cta-desc { color: rgba(255,255,255,0.6); margin-bottom: 2.25rem; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* --- Detail Page Layout --- */
.detail-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 3.5rem;
  align-items: start;
}
.detail-sidebar { position: sticky; top: calc(var(--header-height) + 2rem); }
.sidebar-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  padding: 2rem;
  margin-bottom: 1.5rem;
}
.sidebar-box-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 1.25rem;
  padding-bottom: 0.875rem;
  border-bottom: 1px solid var(--border);
}
.sidebar-links { display: flex; flex-direction: column; gap: 0.2rem; }
.sidebar-link {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.6rem 0.75rem;
  font-size: 0.875rem;
  color: var(--text-body);
  transition: all var(--transition);
  border-radius: var(--radius-sm);
}
.sidebar-link:hover, .sidebar-link.active {
  background: var(--silver);
  color: var(--navy);
  font-weight: 500;
}
.sidebar-link svg { width: 13px; height: 13px; color: var(--gold); flex-shrink: 0; }

/* Content blocks */
.content-block { margin-bottom: 2.75rem; }
.content-block:last-child { margin-bottom: 0; }
.content-block h2, .content-block h3 {
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border);
}

/* Features mini-grid */
.feat-grid {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 1rem;
  margin: 1.5rem 0;
}
.feat-item {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
  padding: 1.125rem;
  background: var(--silver);
  border: 1px solid var(--border);
}
.feat-item svg { width: 18px; height: 18px; color: var(--gold); flex-shrink: 0; margin-top: 1px; }
.feat-title { font-size: 0.875rem; font-weight: 600; color: var(--navy); margin-bottom: 0.2rem; }
.feat-desc { font-size: 0.8rem; color: var(--text-muted); line-height: 1.55; }

/* Checklist */
.checklist { display: flex; flex-direction: column; gap: 0.625rem; margin: 1rem 0; }
.check-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--text-body);
  padding: 0.375rem 0;
  border-bottom: 1px solid rgba(226,232,240,0.6);
}
.check-item:last-child { border-bottom: none; }
.check-item svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; margin-top: 3px; }

/* Numbered steps */
.num-list { display: flex; flex-direction: column; gap: 1.25rem; margin: 1rem 0; }
.num-item { display: flex; align-items: flex-start; gap: 1.25rem; }
.num-item-n {
  width: 36px;
  height: 36px;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  flex-shrink: 0;
}
.num-item-title { font-weight: 600; font-size: 0.95rem; color: var(--navy); margin-bottom: 0.25rem; }
.num-item-desc { font-size: 0.875rem; color: var(--text-muted); line-height: 1.6; }

/* Compliance note */
.compliance-note {
  background: rgba(201,169,110,0.06);
  border: 1px solid rgba(201,169,110,0.2);
  border-left: 3px solid var(--gold);
  padding: 1rem 1.375rem;
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.65;
  font-style: italic;
  margin: 1.5rem 0;
}

/* --- Footer --- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.68);
  padding: var(--space-xl) 0 0;
  border-top: 1px solid rgba(201,169,110,0.12);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1.2fr 1.5fr;
  gap: 3rem;
  padding-bottom: var(--space-xl);
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-logo { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.125rem; }
.footer-logo-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.06em;
  display: block;
}
.footer-logo-tag {
  font-size: 0.62rem;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: block;
}
.footer-desc {
  font-size: 0.875rem;
  line-height: 1.7;
  margin-bottom: 1.25rem;
  max-width: 290px;
}
.footer-disclaimer-box {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.65;
  max-width: 290px;
  padding: 1rem;
  background: rgba(255,255,255,0.035);
  border-left: 2px solid rgba(201,169,110,0.28);
  font-style: italic;
}
.footer-col-title {
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--gold);
  margin-bottom: 1.375rem;
}
.footer-links-list { display: flex; flex-direction: column; gap: 0.6rem; }
.footer-link {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.58);
  transition: all var(--transition);
  display: flex;
  align-items: center;
  gap: 0.375rem;
}
.footer-link:hover { color: var(--gold); padding-left: 3px; }
.footer-link svg { width: 11px; height: 11px; opacity: 0.5; flex-shrink: 0; }
.footer-contact-row {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
  margin-bottom: 1rem;
  font-size: 0.875rem;
}
.footer-contact-row svg { width: 15px; height: 15px; color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.footer-contact-row a { color: rgba(255,255,255,0.62); }
.footer-contact-row a:hover { color: var(--gold); }
.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer-copy { font-size: 0.8rem; color: rgba(255,255,255,0.38); }
.footer-legal { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-legal-link { font-size: 0.8rem; color: rgba(255,255,255,0.38); transition: color var(--transition); }
.footer-legal-link:hover { color: var(--gold); }

/* --- Mobile Bottom CTA Bar --- */
.mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 998;
  background: var(--navy);
  border-top: 1px solid rgba(201,169,110,0.18);
  padding: 0.625rem 0.875rem;
  padding-bottom: calc(0.625rem + env(safe-area-inset-bottom, 0px));
}
.mobile-cta-inner { display: flex; gap: 0.5rem; }
.mobile-cta-btn {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.3rem;
  padding: 0.625rem 0.25rem;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: 'Inter', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  border-radius: var(--radius-sm);
}
.mobile-cta-btn svg { width: 14px; height: 14px; }
.mobile-btn-call { background: var(--navy-light); color: var(--white); border: 1px solid rgba(255,255,255,0.12); }
.mobile-btn-wa { background: var(--whatsapp); color: var(--white); }
.mobile-btn-apply { background: var(--gold); color: var(--navy); }

/* --- WhatsApp Float (Desktop) --- */
.wa-float {
  position: fixed;
  right: 1.75rem;
  bottom: 2rem;
  z-index: 997;
}
.wa-float-btn {
  width: 54px;
  height: 54px;
  background: var(--whatsapp);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 4px 16px rgba(37,211,102,0.38);
  transition: all var(--transition);
  text-decoration: none;
}
.wa-float-btn:hover { transform: scale(1.1); box-shadow: 0 6px 24px rgba(37,211,102,0.5); }
.wa-float-btn svg { width: 26px; height: 26px; }

/* --- Scroll Reveal --- */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-d1 { transition-delay: 0.1s; }
.reveal-d2 { transition-delay: 0.2s; }
.reveal-d3 { transition-delay: 0.3s; }
.reveal-d4 { transition-delay: 0.4s; }

/* --- Utilities --- */
.mt-sm { margin-top: 1rem; }
.mt-md { margin-top: 1.75rem; }
.mt-lg { margin-top: 2.5rem; }

/* --- EMI Calculator --- */
.emi-calc-section {
  background: var(--navy);
  color: var(--white);
  padding: 5rem 0;
  border-top: 1px solid rgba(201,169,110,0.2);
}
.emi-calc-card {
  background: var(--white);
  border-radius: 12px;
  box-shadow: 0 20px 50px rgba(0,0,0,0.35);
  color: var(--navy);
  padding: 2.5rem;
  margin-top: 2rem;
  border-top: 4px solid var(--gold);
}
.calc-mode-tabs {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 2rem;
  border-bottom: 2px solid var(--silver-dark);
  padding-bottom: 0.75rem;
  overflow-x: auto;
  justify-content: center;
}
.calc-mode-tab {
  display: inline-flex;
  align-items: center;
  padding: 0.65rem 1.4rem;
  font-size: 0.92rem;
  font-weight: 700;
  border-radius: 8px;
  background: var(--silver);
  color: var(--navy);
  border: 1.5px solid var(--border);
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition);
  font-family: 'Inter', sans-serif;
}
.calc-mode-tab:hover {
  background: var(--silver-dark);
  border-color: var(--gold);
}
.calc-mode-tab.active {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--navy);
  box-shadow: 0 4px 12px rgba(10,22,40,0.15);
}
.emi-type-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 2rem;
  border-bottom: 1px solid var(--silver-dark);
  padding-bottom: 0.75rem;
  overflow-x: auto;
}
.emi-tab {
  padding: 0.6rem 1.25rem;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: 6px;
  background: var(--silver);
  color: var(--navy);
  border: 1px solid var(--border);
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition);
}
.emi-tab.active, .emi-tab:hover {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--navy);
}
.emi-calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3rem;
  align-items: center;
}
.emi-input-group {
  margin-bottom: 1.75rem;
}
.emi-input-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}
.emi-label {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--navy);
}
.emi-input-box-wrapper {
  display: inline-flex;
  align-items: center;
  background: var(--silver);
  border: 1.5px solid var(--border);
  border-radius: 6px;
  padding: 0.35rem 0.65rem;
  transition: all var(--transition);
}
.emi-input-box-wrapper:focus-within {
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(201,169,110,0.18);
}
.emi-currency-prefix,
.emi-unit-suffix {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  color: var(--gold-dark);
  font-size: 0.95rem;
  user-select: none;
}
.emi-number-input {
  border: none;
  background: transparent;
  outline: none;
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  text-align: right;
  width: 110px;
  padding: 0 0.35rem;
}
.emi-number-input::-webkit-outer-spin-button,
.emi-number-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.emi-number-input {
  -moz-appearance: textfield;
}
.emi-slider {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--silver-dark);
  outline: none;
  cursor: pointer;
  accent-color: var(--navy);
}
.emi-slider-range {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.35rem;
}
.emi-result-box {
  background: var(--navy);
  color: var(--white);
  border-radius: 10px;
  padding: 2rem;
  box-shadow: 0 10px 30px rgba(10,22,40,0.25);
  border: 1px solid rgba(201,169,110,0.25);
}
.emi-result-title {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gold);
  margin-bottom: 0.5rem;
  font-weight: 700;
}
.emi-result-value {
  font-family: 'Playfair Display', serif;
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 1.25rem;
}
.emi-validation-msg {
  display: none;
  font-size: 0.85rem;
  color: #fca5a5;
  background: rgba(239, 68, 68, 0.12);
  border: 1px solid rgba(239, 68, 68, 0.3);
  padding: 0.6rem 0.85rem;
  border-radius: 6px;
  margin-bottom: 1rem;
  line-height: 1.4;
}
.emi-breakup-bar {
  display: flex;
  height: 8px;
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 1.5rem;
  background: rgba(255,255,255,0.1);
}
.emi-bar-principal {
  background: var(--gold);
  transition: width 0.3s ease;
}
.emi-bar-interest {
  background: var(--gold-light);
  transition: width 0.3s ease;
  opacity: 0.6;
}
.emi-stats-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1rem;
  margin-bottom: 1.5rem;
}
.emi-stat-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  align-items: center;
}
.emi-stat-lbl {
  color: rgba(255,255,255,0.7);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.emi-stat-lbl .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  display: inline-block;
}
.dot-p { background: var(--gold); }
.dot-i { background: var(--gold-light); opacity: 0.6; }
.emi-stat-val {
  font-weight: 600;
  color: var(--white);
}
.emi-stat-row.total-row {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 0.75rem;
  margin-top: 0.25rem;
}
.emi-stat-row.total-row .emi-stat-lbl {
  color: var(--white);
  font-weight: 700;
}
.emi-stat-row.total-row .emi-stat-val {
  color: var(--gold);
  font-weight: 700;
  font-size: 1.05rem;
}
.emi-apply-btn {
  margin-top: 0.5rem;
}
@media (max-width: 992px) {
  .emi-calc-grid { grid-template-columns: 1fr; gap: 2rem; }
}
.mb-sm { margin-bottom: 1rem; }
.mb-md { margin-bottom: 1.75rem; }
.d-flex { display: flex; }
.gap-sm { gap: 0.75rem; }
.gap-md { gap: 1.25rem; }
.flex-wrap { flex-wrap: wrap; }

/* --- Legal Pages --- */
.legal-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.legal-content h2 { font-size: 1.4rem; margin-top: 2.5rem; margin-bottom: 0.875rem; }
.legal-content h3 { font-size: 1.15rem; margin-top: 1.75rem; margin-bottom: 0.625rem; }
.legal-content p { margin-bottom: 1rem; font-size: 0.95rem; color: var(--text-body); }
.legal-content ul { list-style: disc; padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-content ul li { margin-bottom: 0.5rem; font-size: 0.95rem; color: var(--text-body); }
.legal-date { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 2rem; }

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-form-card { margin-top: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .steps-line { display: none; }
  .feature-split { grid-template-columns: 1fr; }
  .feature-split-reverse .feature-visual { order: 0; }
  .detail-layout { grid-template-columns: 1fr; }
  .detail-sidebar { position: static; order: -1; }
}

@media (max-width: 768px) {
  :root {
    --header-height: 66px;
    --space-xl: 3.25rem;
    --space-2xl: 4.5rem;
  }
  .main-nav { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .mobile-nav { display: block; }
  .mobile-cta-bar { display: block; }
  .wa-float { display: none !important; }
  body { padding-bottom: 70px; }
  .grid-2, .grid-3, .grid-4, .grid-5 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-grid { grid-template-columns: 1fr; }
  .form-group.full { grid-column: 1; }
  .feat-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 1.75rem; }
  .trust-bar-divider { display: none; }
  .feature-content { padding: 2.5rem 1.75rem; }
  .enquiry-form { padding: 1.75rem 1.375rem; }
  .form-footer { flex-direction: column; align-items: stretch; }
  .cta-btns { flex-direction: column; align-items: center; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 0.625rem; }
  .footer-legal { justify-content: center; }
  .feat-grid { grid-template-columns: 1fr; }
}

@media (max-width: 540px) {
  .hero-cta { flex-direction: column; }
  .btn { width: 100%; }
  .steps-grid { grid-template-columns: 1fr; }
  .page-hero-cta { flex-direction: column; }
  .page-hero-cta .btn { width: 100%; }
  .cta-btns .btn { width: 100%; max-width: 320px; }
}

@media (min-width: 769px) {
  .wa-float { display: block; }
}

/* Scrollbar */
::-webkit-scrollbar { width: 7px; }
::-webkit-scrollbar-track { background: var(--silver); }
::-webkit-scrollbar-thumb { background: var(--navy-light); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--navy); }

/* =============================================
   ENQUIRY / APPLY MODAL
   ============================================= */
#apply-modal,
.modal-overlay {
  position: fixed;
  inset: 0;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  width: 100vw;
  height: 100vh;
  z-index: 99999;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
  box-sizing: border-box;
}

#apply-modal.active,
.modal-overlay.active,
#apply-modal[aria-hidden="false"],
.modal-overlay[aria-hidden="false"] {
  display: flex;
}

#modal-backdrop,
.modal-backdrop {
  position: absolute;
  inset: 0;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(10, 22, 40, 0.72);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  cursor: pointer;
  z-index: 1;
}

#apply-modal .modal-dialog,
.modal-overlay .modal-dialog,
.modal-dialog,
.modal-content,
.modal-panel {
  position: relative;
  z-index: 100000;
  width: 100%;
  max-width: 660px;
  max-height: 90vh;
  background: var(--white);
  border-radius: 12px;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.4);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border-top: 4px solid var(--gold);
  box-sizing: border-box;
  transform: scale(0.96) translateY(10px);
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

#apply-modal.active .modal-dialog,
.modal-overlay.active .modal-dialog,
#apply-modal.active .modal-content,
.modal-overlay.active .modal-content,
#apply-modal.active .modal-panel,
.modal-overlay.active .modal-panel,
#apply-modal[aria-hidden="false"] .modal-dialog,
.modal-overlay[aria-hidden="false"] .modal-dialog {
  transform: scale(1) translateY(0);
}

.modal-header {
  padding: 1.25rem 1.75rem 1rem;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  background: var(--silver);
  flex-shrink: 0;
}

.modal-title-wrap {
  flex: 1 1 auto;
  min-width: 0;
}

.modal-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-dark);
  margin-bottom: 0.2rem;
}

.modal-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 0.2rem;
  line-height: 1.2;
}

.modal-subtitle {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.4;
}

#modal-close-btn,
.modal-close {
  background: none;
  border: none;
  font-size: 1.75rem;
  line-height: 1;
  color: var(--text-muted);
  cursor: pointer;
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
  transition: all var(--transition);
  margin-top: -0.25rem;
  margin-right: -0.5rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

#modal-close-btn:hover,
#modal-close-btn:focus,
.modal-close:hover,
.modal-close:focus {
  color: var(--navy);
  background: rgba(10, 22, 40, 0.08);
  outline: none;
}

.modal-body {
  padding: 1.5rem 1.75rem 1.75rem;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  flex: 1 1 auto;
}

#apply-modal .modal-form,
.modal-overlay .modal-form,
.modal-form,
#modal-enquiry-form,
.modal-body .enquiry-form {
  position: relative;
  width: 100%;
  padding: 0;
  border-top: none;
  background: transparent;
  box-shadow: none;
  border-radius: 0;
  box-sizing: border-box;
}

.modal-form .form-grid,
.modal-body .form-grid {
  gap: 1rem;
}

.modal-form .form-group,
.modal-body .form-group {
  gap: 0.35rem;
}

.modal-form .form-label,
.modal-body .form-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
}

.modal-form .form-input,
.modal-form .form-select,
.modal-form .form-textarea,
.modal-body .form-input,
.modal-body .form-select,
.modal-body .form-textarea {
  padding: 0.7rem 0.9rem;
  font-size: 0.875rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--white);
  color: var(--text-dark);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.modal-form .form-input:focus,
.modal-form .form-select:focus,
.modal-form .form-textarea:focus,
.modal-body .form-input:focus,
.modal-body .form-select:focus,
.modal-body .form-textarea:focus {
  border-color: var(--gold);
  outline: none;
  box-shadow: 0 0 0 3px rgba(201, 169, 110, 0.15);
}

.modal-form .form-footer,
.modal-body .form-footer {
  margin-top: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.modal-form .form-note,
.modal-body .form-note {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.4;
  margin-bottom: 0;
}

#modal-form-error,
.modal-body .form-error {
  background: #fef2f2;
  color: var(--error);
  border: 1px solid #fecaca;
  border-radius: 6px;
  padding: 0.75rem 1rem;
  font-size: 0.85rem;
  margin-bottom: 1rem;
}

#modal-form-success,
.modal-body .form-success {
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--success-bg);
  border-radius: 8px;
  border: 1px solid rgba(22, 163, 74, 0.2);
}

.modal-success-icon {
  width: 54px;
  height: 54px;
  background: #dcfce7;
  color: #16a34a;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  margin-left: auto;
  margin-right: auto;
}

.modal-success-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.modal-success-desc {
  font-size: 0.9rem;
  color: var(--text-body);
  margin-bottom: 1.5rem;
  line-height: 1.6;
}

#modal-success-close-btn,
.modal-success-close {
  min-width: 120px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

@media (max-width: 640px) {
  #apply-modal,
  .modal-overlay {
    padding: 0.5rem;
  }
  .modal-dialog,
  .modal-content,
  .modal-panel {
    max-height: 94vh;
    border-radius: 10px;
  }
  .modal-header {
    padding: 1rem 1.25rem 0.75rem;
  }
  .modal-title {
    font-size: 1.2rem;
  }
  .modal-body {
    padding: 1rem 1.25rem 1.25rem;
  }
  .modal-form .form-grid,
  .modal-body .form-grid {
    grid-template-columns: 1fr;
  }
}

@media print {
  .site-header,
  .mobile-cta-bar,
  .wa-float,
  #apply-modal,
  .modal-overlay {
    display: none !important;
  }
}