*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  /* Brand — Mahanagar Co-operative Urban Bank */
  --primary-blue: #1a4fa3;
  --accent-orange: #f07a00;
  --navy: #1a4fa3;
  --blue: #2563c7;
  --cyan: #0ea5e9;
  --yellow: #f5b800;
  --orange: #f07a00;
  --red: #dc2626;
  --green: #16a34a;
  --orange2: #f07a00;
  --white: #ffffff;
  --off: #f4f7fc;
  --offwarm: #faf8f5;
  --border: #d8e2f0;
  --text: #1e2a44;
  --muted: #5a6b85;
  --light: #94a3b8;
  --shadow: 0 4px 24px rgba(26, 79, 163, 0.08);
  --shadow2: 0 16px 48px rgba(26, 79, 163, 0.12);
  --shadow-card: 0 8px 32px rgba(26, 79, 163, 0.1);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Open Sans", system-ui, sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 55%, #ffffff 100%);
  overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6,
.sec-title,
.logo-name,
.contact-title,
.calc-title,
.cta-title,
.hero-premium-title,
.rbi-title,
.cta-premium-title {
  font-family: "Poppins", system-ui, sans-serif;
}

.text-primary-brand {
  color: var(--primary-blue) !important;
}

/* ── TOP BAR ── */
.top-bar {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.78rem;
  padding: 9px 0;
  border-bottom: 3px solid var(--yellow);
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.top-bar-left {
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
}

.top-bar-left span {
  display: flex;
  align-items: center;
  gap: 6px;
  opacity: 0.9;
}

.top-bar a {
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  margin-left: 18px;
  transition: color 0.2s;
  font-weight: 500;
}

.top-bar a:hover {
  color: #fff;
  opacity: 1;
}

.top-bar-right {
  display: flex;
  align-items: center;
  gap: 8px 18px;
  flex-wrap: wrap;
}

.top-bar-right a {
  margin-left: 0;
}

.top-bar-right i {
  margin-right: 6px;
  opacity: 0.85;
}

/* ── NAVBAR ── */
nav {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 200;
  transition: box-shadow 0.3s;
}

nav.scrolled {
  box-shadow: var(--shadow2);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-img {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--yellow);
  box-shadow: 0 0 0 3px var(--navy);
}

.logo-img-placeholder {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border: 2px solid var(--yellow);
  box-shadow: 0 0 0 3px rgba(26, 31, 140, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 800;
  color: var(--yellow);
  letter-spacing: -0.03em;
}

/* .logo-info{} */
.logo-name {
  font-family: "Poppins", sans-serif;
  font-size: 1.28rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -0.02em;
}

.logo-name span {
  color: var(--orange);
}

.logo-tagline {
  font-size: 0.65rem;
  color: var(--muted);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: 2px;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
}

.nav-menu>li {
  position: relative;
}

.nav-menu>li>a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 8px;
  color: var(--text);
  font-size: 0.75rem;
  font-weight: 600;
  text-decoration: none;
  border-radius: 7px;
  transition:
    color 0.2s,
    background 0.2s;
  white-space: nowrap;
  position: relative;
  background: transparent;
}

.nav-menu>li>a::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 4px;
  width: 0;
  height: 2px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--accent-orange), #ffb347);
  transition:
    width 0.28s ease,
    left 0.28s ease;
}

.nav-menu>li>a:hover {
  color: var(--navy);
  background: rgba(26, 79, 163, 0.06);
}

.nav-menu>li>a:hover::after,
.nav-menu>li>a.active::after {
  width: calc(100% - 18px);
  left: 9px;
}

.nav-menu>li>a.active {
  color: var(--navy);
}

.arrow {
  font-size: 0.58rem;
  opacity: 0.5;
  transition: transform 0.2s;
}

.nav-menu li:hover .arrow {
  transform: rotate(180deg);
}

.dropdown {
  position: absolute;
  top: calc(100%+6px);
  left: 0;
  min-width: 230px;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--orange);
  border-radius: 0 0 12px 12px;
  box-shadow: var(--shadow2);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.25s;
  z-index: 300;
  padding: 8px;
}

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

.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  color: var(--text);
  font-size: 0.855rem;
  text-decoration: none;
  border-radius: 8px;
  transition: all 0.2s;
  font-weight: 500;
}

.dropdown a:hover {
  background: var(--off);
  color: var(--navy);
}

.dd-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--off);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 10px 22px;
  border-radius: 10px;
  font-size: 0.875rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.22s;
  text-decoration: none;
  font-family: "Poppins", sans-serif;
  border: none;
  white-space: nowrap;
}

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--border);
  color: var(--text);
}

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

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

.btn-navy:hover {
  background: var(--blue);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(26, 31, 140, 0.3);
}

.btn-orange {
  background: linear-gradient(135deg, var(--accent-orange) 0%, #ff9933 100%);
  color: #fff;
  box-shadow: 0 4px 16px rgba(240, 122, 0, 0.35);
}

.btn-orange:hover {
  background: linear-gradient(135deg, #ff8c1a 0%, var(--accent-orange) 100%);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(240, 122, 0, 0.45);
}

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

.btn-yellow:hover {
  background: #ffd740;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(255, 193, 7, 0.4);
}

.btn-ghost-w {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.3);
}

.btn-ghost-w:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: rgba(255, 255, 255, 0.5);
}

.btn-lg {
  padding: 14px 32px;
  font-size: 1rem;
  border-radius: 10px;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
}

.hamburger span {
  width: 22px;
  height: 2.5px;
  background: var(--navy);
  border-radius: 2px;
  transition: all 0.3s;
}

/* ── CONTAINER ── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── STRIPE BAR (logo stripes) ── */
.stripe-bar {
  height: 5px;
  background: linear-gradient(90deg,
      var(--primary-blue) 0%,
      #2563c7 35%,
      var(--accent-orange) 70%,
      var(--yellow) 100%);
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg,
      var(--navy) 0%,
      #252abf 45%,
      var(--blue) 100%);
  min-height: 88vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 80px 0;
}

.hero-dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.06) 1px,
      transparent 1px);
  background-size: 36px 36px;
  pointer-events: none;
}

.hero-sun {
  position: absolute;
  right: -60px;
  top: -80px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle at center,
      rgba(255, 193, 7, 0.15) 0%,
      rgba(245, 124, 0, 0.08) 40%,
      transparent 70%);
  pointer-events: none;
}

.hero-glow {
  position: absolute;
  left: -100px;
  bottom: -150px;
  width: 450px;
  height: 450px;
  border-radius: 50%;
  background: radial-gradient(circle,
      rgba(0, 188, 212, 0.1) 0%,
      transparent 65%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 2;
}

/* Hero left */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 6px 16px 6px 8px;
  border-radius: 100px;
  margin-bottom: 1.5rem;
}

.hero-badge-sun {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--yellow), var(--orange));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
}

.hero-badge span {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.05em;
}

.hero h1 {
  font-family: "Playfair Display", serif;
  font-size: clamp(2.4rem, 4.5vw, 3.6rem);
  line-height: 1.15;
  color: #fff;
  margin-bottom: 1.4rem;
  letter-spacing: -0.01em;
}

.hero h1 em {
  font-style: italic;
  color: var(--yellow);
}

.hero-desc {
  color: rgba(255, 255, 255, 0.72);
  font-size: 1rem;
  line-height: 1.85;
  margin-bottom: 2.2rem;
  font-weight: 300;
  max-width: 480px;
}

.hero-btns {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 16px;
}

.hero-trust-avs {
  display: flex;
}

.hero-trust-avs span {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 2.5px solid rgba(255, 255, 255, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  margin-left: -9px;
  background: linear-gradient(135deg, var(--orange), var(--navy));
}

.hero-trust-avs span:first-child {
  margin-left: 0;
}

.hero-trust-txt {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.82rem;
  line-height: 1.4;
}

.hero-trust-txt strong {
  color: #fff;
  display: block;
  font-size: 0.9rem;
}

/* Hero card */
/* .hero-right{display:flex;justify-content:center;position:relative}
.hero-card-wrap{position:relative;width:350px}
.h-card{border-radius:22px;padding:28px;box-shadow:0 30px 80px rgba(0,0,0,.35);position:relative;overflow:hidden;background:linear-gradient(135deg,rgba(255,255,255,.14) 0%,rgba(255,255,255,.04) 100%);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.18)}
.h-card-stripe{position:absolute;bottom:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--cyan),var(--red),var(--orange),var(--yellow),var(--green))}
.h-card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:24px}
.h-card-type{color:rgba(255,255,255,.5);font-size:.68rem;text-transform:uppercase;letter-spacing:.14em;font-weight:600}
.h-card-logo{font-family:'Playfair Display',serif;color:var(--yellow);font-size:1.15rem;font-weight:700}
.h-chip{width:42px;height:32px;background:linear-gradient(135deg,var(--yellow),#FFD740);border-radius:6px;margin-bottom:20px;display:grid;place-items:center}
.h-chip-inner{width:26px;height:20px;border:1.5px solid rgba(26,31,140,.35);border-radius:3px;display:grid;grid-template-columns:1fr 1fr;gap:1px;padding:3px}
.h-chip-inner span{background:rgba(26,31,140,.2);border-radius:1px}
.h-num{color:rgba(255,255,255,.88);font-size:1rem;letter-spacing:.22em;margin-bottom:22px;font-family:'Playfair Display',serif}
.h-foot{display:flex;justify-content:space-between;align-items:flex-end}
.h-holder-lbl{color:rgba(255,255,255,.4);font-size:.58rem;text-transform:uppercase;letter-spacing:.1em}
.h-holder-val{color:#fff;font-size:.88rem;font-weight:600;margin-top:3px}
.h-valid-lbl{color:rgba(255,255,255,.4);font-size:.58rem;text-transform:uppercase;letter-spacing:.08em}
.h-valid-val{color:rgba(255,255,255,.82);font-size:.85rem;font-weight:600;margin-top:3px}
.h-circles{display:flex}
.h-circles span{width:30px;height:30px;border-radius:50%}
.h-circles span:first-child{background:var(--red);margin-right:-10px;opacity:.85}
.h-circles span:last-child{background:var(--yellow);opacity:.85} */

.hero-slider {
  position: relative;
  width: 100%;
  height: 80vh;
  overflow: hidden;
}

.slides {
  position: relative;
  width: 100%;
  height: 100%;
}

.slide {
  position: absolute;
  width: 100%;
  height: 100%;
  opacity: 0;
  transition: opacity 0.8s ease;
}

.slide.active {
  opacity: 1;
}

.slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.slide-content {
  position: absolute;
  top: 50%;
  left: 8%;
  transform: translateY(-50%);
  color: white;
  max-width: 500px;
}

.slide-content h1 {
  font-size: 2.8rem;
  margin-bottom: 10px;
}

.slide-content p {
  font-size: 1.1rem;
  margin-bottom: 20px;
}

/* arrows */
.slider-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background: rgba(0, 0, 0, 0.4);
  color: #fff;
  border: none;
  font-size: 28px;
  padding: 10px 16px;
  cursor: pointer;
  z-index: 10;
}

.prev {
  left: 20px;
}

.next {
  right: 20px;
}

/* Float widgets */
.fw {
  position: absolute;
  background: #fff;
  border-radius: 14px;
  padding: 14px 18px;
  box-shadow: 0 14px 40px rgba(26, 31, 140, 0.2);
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 170px;
}

.fw-1 {
  top: -28px;
  right: -50px;
  animation: floatA 3s ease-in-out infinite;
}

.fw-2 {
  bottom: -18px;
  left: -56px;
  animation: floatB 3.5s ease-in-out infinite;
}

.fw-3 {
  top: 50%;
  right: -76px;
  transform: translateY(-50%);
  animation: floatA 4s ease-in-out infinite;
}

.fw-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.fwi-g {
  background: #e8f5e9;
}

.fwi-b {
  background: #e3f2fd;
}

.fwi-o {
  background: #fff8e1;
}

.fwi-r {
  background: #ffebee;
}

.fw-label {
  font-size: 0.68rem;
  color: #8a9ec0;
  font-weight: 500;
}

.fw-val {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
}

.fw-sub {
  font-size: 0.7rem;
  color: var(--green);
  font-weight: 600;
}

@keyframes floatA {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-9px);
  }
}

@keyframes floatB {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(8px);
  }
}

/* ── TICKER ── */
.ticker {
  background: var(--offwarm);
  border-top: 2px solid var(--yellow);
  border-bottom: 2px solid var(--orange);
  padding: 11px 0;
  overflow: hidden;
}

.ticker-track {
  display: flex;
  white-space: nowrap;
  animation: tickMove 32s linear infinite;
}

.t-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0 28px;
  font-size: 0.8rem;
  color: var(--muted);
  border-right: 1px solid var(--border);
  font-weight: 500;
}

.t-item strong {
  color: var(--text);
}

.up {
  color: #2e7d32;
  font-weight: 700;
}

.dn {
  color: var(--red);
  font-weight: 700;
}

@keyframes tickMove {
  0% {
    transform: translateX(0);
  }

  100% {
    transform: translateX(-50%);
  }
}

/* ── STATS STRIP ── */
.stats-strip {
  padding: 0;
}

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

.stat-box {
  text-align: center;
  padding: 32px 20px;
  position: relative;
  overflow: hidden;
}

.stat-box:nth-child(1) {
  background: var(--navy);
}

.stat-box:nth-child(2) {
  background: var(--cyan);
}

.stat-box:nth-child(3) {
  background: var(--orange);
}

.stat-box:nth-child(4) {
  background: var(--green);
}

.stat-box::after {
  content: "";
  position: absolute;
  bottom: -20px;
  right: -20px;
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
}

.stat-icon {
  font-size: 1.8rem;
  margin-bottom: 8px;
}

.stat-num {
  font-family: "Playfair Display", serif;
  font-size: 2.6rem;
  color: #fff;
  line-height: 1;
  font-weight: 700;
}

.stat-sub {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.8rem;
  margin-top: 6px;
  font-weight: 500;
}

/* ── SECTION ── */
.section {
  padding: 60px 0;
}

.section-alt {
  background: var(--off);
}

.section-warm {
  background: var(--offwarm);
}

.sec-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--accent-orange);
  margin-bottom: 12px;
}

.sec-label::before {
  content: "";
  width: 22px;
  height: 3px;
  background: linear-gradient(90deg, var(--accent-orange), var(--yellow));
  border-radius: 2px;
}

.sec-title {
  font-family: "Poppins", sans-serif;
  font-weight: 700;
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  color: var(--navy);
  line-height: 1.22;
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}

.sec-desc {
  color: var(--muted);
  font-size: 0.98rem;
  line-height: 1.82;
  max-width: 540px;
  font-weight: 400;
}

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

.sec-center .sec-desc {
  margin: 0 auto;
}

.sec-header {
  margin-bottom: 50px;
}

/* ── SERVICES ── */
.svc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.svc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 36px 28px;
  position: relative;
  overflow: hidden;
  transition: all 0.3s;
  cursor: default;
}

.svc-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--cyan));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s;
}

.svc-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow2);
  transform: translateY(-5px);
}

.svc-card:hover::before {
  transform: scaleX(1);
}

.svc-icon {
  width: 62px;
  height: 62px;
  border-radius: 15px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem;
  margin-bottom: 20px;
  transition: all 0.3s;
}

.ic-navy {
  background: #e8eaf6;
}

.ic-cyan {
  background: #e0f7fa;
}

.ic-orange {
  background: #fff3e0;
}

.ic-yellow {
  background: #fffde7;
}

.ic-green {
  background: #e8f5e9;
}

.ic-red {
  background: #ffebee;
}

.svc-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  font-family: "Playfair Display", serif;
}

.svc-desc {
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.78;
}

.svc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  color: var(--orange);
  font-size: 0.84rem;
  font-weight: 600;
  text-decoration: none;
  transition: gap 0.2s;
}

.svc-link:hover {
  gap: 10px;
}

/* ── SPLIT SECTIONS ── */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-img-wrap {
  position: relative;
}

.about-img-box {
  width: 100%;
  aspect-ratio: 4/3;
  border-radius: 20px;
  background: linear-gradient(135deg,
      var(--navy) 0%,
      var(--blue) 60%,
      var(--cyan) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  position: relative;
  overflow: hidden;
}

.about-img-box::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg,
      var(--cyan),
      var(--red),
      var(--orange),
      var(--yellow),
      var(--green));
}

.about-badge {
  position: absolute;
  bottom: -22px;
  right: -18px;
  background: #fff;
  border-radius: 16px;
  padding: 20px 22px;
  box-shadow: var(--shadow2);
  min-width: 155px;
  border-top: 3px solid var(--yellow);
}

.ab-icon {
  font-size: 1.5rem;
  margin-bottom: 5px;
}

.ab-num {
  font-family: "Playfair Display", serif;
  font-size: 2rem;
  color: var(--navy);
  font-weight: 700;
  line-height: 1;
}

.ab-txt {
  font-size: 0.75rem;
  color: var(--muted);
  font-weight: 500;
  margin-top: 3px;
}

.check-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 13px;
  margin: 20px 0 28px;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.93rem;
  color: var(--muted);
  line-height: 1.65;
}

.check-list li::before {
  content: "✓";
  min-width: 22px;
  height: 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--yellow));
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ── LOAN TYPES ── */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 48px;
}

.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 15px;
  padding: 28px 20px;
  text-align: center;
  transition: all 0.3s;
  cursor: default;
  position: relative;
  overflow: hidden;
}

.loan-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--orange), var(--yellow));
  transform: scaleX(0);
  transition: transform 0.3s;
}

.loan-card:hover {
  box-shadow: var(--shadow2);
  border-color: transparent;
  transform: translateY(-4px);
}

.loan-card:hover::after {
  transform: scaleX(1);
}

.loan-card-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.loan-card-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.loan-rate {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--orange);
  margin-bottom: 4px;
  font-family: "Playfair Display", serif;
}

.loan-rate span {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--muted);
}

.loan-desc {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.65;
}

/* ── CALC ── */
.calc-section {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  padding: 90px 0;
  position: relative;
  overflow: hidden;
}

.calc-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.04) 1px,
      transparent 1px);
  background-size: 36px 36px;
}

.calc-section::after {
  content: "";
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 193, 7, 0.12), transparent 70%);
}

.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.calc-title {
  font-family: "Playfair Display", serif;
  font-size: clamp(2rem, 3vw, 2.8rem);
  color: #fff;
  margin-bottom: 14px;
}

.calc-desc {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.98rem;
  line-height: 1.8;
  margin-bottom: 28px;
}

.calc-card {
  background: #fff;
  border-radius: 20px;
  padding: 36px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.28);
  border-top: 5px solid var(--yellow);
}

.calc-field {
  margin-bottom: 24px;
}

.calc-lbl {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
  display: flex;
  justify-content: space-between;
}

.calc-lbl span {
  color: var(--navy);
  font-size: 0.95rem;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 700;
}

.range-inp::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid var(--yellow);
  box-shadow: 0 2px 10px rgba(26, 31, 140, 0.35);
  cursor: pointer;
}

.calc-summary {
  background: var(--off);
  border-radius: 12px;
  padding: 20px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 20px 0;
  border: 1px solid var(--border);
}

.cs-lbl {
  font-size: 0.7rem;
  color: var(--muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}

.cs-val {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
}

.cs-val.big {
  font-size: 1.7rem;
  font-family: "Playfair Display", serif;
  color: var(--orange);
}

/* ── WHY ── */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.why-card {
  display: flex;
  gap: 16px;
  padding: 22px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  transition: all 0.3s;
  align-items: flex-start;
}

.why-card:hover {
  box-shadow: var(--shadow);
  border-color: var(--cyan);
}

.why-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  transition: all 0.3s;
}

.why-card:hover .why-icon {
  background: var(--navy) !important;
}

.wic-1 {
  background: #e8eaf6;
}

.wic-2 {
  background: #e0f7fa;
}

.wic-3 {
  background: #fff3e0;
}

.wic-4 {
  background: #e8f5e9;
}

.wic-5 {
  background: #fffde7;
}

.wic-6 {
  background: #ffebee;
}

.why-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 5px;
}

.why-desc {
  font-size: 0.845rem;
  color: var(--muted);
  line-height: 1.68;
}

/* ── TESTI ── */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testi-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}

.testi-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--cyan), var(--orange));
}

.testi-card:hover {
  box-shadow: var(--shadow2);
  transform: translateY(-4px);
  border-color: var(--yellow);
}

.testi-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 14px;
}

.star {
  color: var(--yellow);
  font-size: 0.9rem;
}

.testi-text {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.82;
  margin-bottom: 20px;
  font-style: italic;
}

.testi-quote {
  position: absolute;
  top: 16px;
  right: 22px;
  font-family: "Playfair Display", serif;
  font-size: 3.5rem;
  color: var(--border);
  line-height: 1;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testi-av {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--cyan));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  flex-shrink: 0;
  border: 2px solid var(--yellow);
}

.testi-name {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text);
}

.testi-role {
  font-size: 0.76rem;
  color: var(--muted);
}

/* ── TEAM ── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.team-card {
  text-align: center;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px 18px;
  transition: all 0.3s;
  overflow: hidden;
  position: relative;
}

.team-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg,
      var(--navy),
      var(--cyan),
      var(--orange),
      var(--yellow));
  transform: scaleX(0);
  transition: transform 0.3s;
}

.team-card:hover::after {
  transform: scaleX(1);
}

.team-card:hover {
  box-shadow: var(--shadow2);
  transform: translateY(-4px);
}

.team-photo {
  width: 120px;
  height: 120px;
  object-fit: cover;
  border-radius: 10%;
  margin: 0 auto 15px;
  display: block;
  border: 4px solid #fff;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);
}

.team-card:hover .team-photo {
  border-color: var(--yellow);
}

.team-name {
  font-weight: 700;
  color: var(--text);
  font-size: 0.93rem;
  margin-bottom: 4px;
}

.team-role {
  font-size: 0.78rem;
  color: var(--muted);
}

.team-socials {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 14px;
}

.t-social {
  width: 30px;
  height: 30px;
  border-radius: 7px;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  font-size: 0.75rem;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}

.t-social:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}

/* ── BLOG ── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  transition: all 0.3s;
}

.blog-card:hover {
  box-shadow: var(--shadow2);
  transform: translateY(-4px);
  border-color: transparent;
}

.blog-thumb {
  width: 100%;
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3.5rem;
  position: relative;
}

.bt-1 {
  background: linear-gradient(135deg, var(--navy), var(--blue));
}

.bt-2 {
  background: linear-gradient(135deg, var(--orange), var(--yellow));
}

.bt-3 {
  background: linear-gradient(135deg, var(--green), var(--cyan));
}

.blog-cat {
  position: absolute;
  top: 14px;
  left: 14px;
  background: var(--navy);
  color: #fff;
  font-size: 0.68rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.blog-body {
  padding: 24px;
}

.blog-meta {
  display: flex;
  gap: 12px;
  font-size: 0.73rem;
  color: var(--muted);
  margin-bottom: 12px;
  flex-wrap: wrap;
}

.blog-title {
  font-family: "Playfair Display", serif;
  font-size: 1.08rem;
  color: var(--text);
  margin-bottom: 10px;
  line-height: 1.42;
}

.blog-excerpt {
  font-size: 0.845rem;
  color: var(--muted);
  line-height: 1.72;
}

.blog-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 14px;
  color: var(--orange);
  font-size: 0.84rem;
  font-weight: 600;
  text-decoration: none;
  transition: gap 0.2s;
}

.blog-link:hover {
  gap: 10px;
}

/* ── CTA ── */
/* .cta-section {
  background: linear-gradient(135deg, var(--navy), #252abf);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(
    rgba(255, 255, 255, 0.04) 1px,
    transparent 1px
  );
  background-size: 32px 32px;
}
.cta-section::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 5px;
  background: linear-gradient(
    90deg,
    var(--cyan),
    var(--red),
    var(--orange),
    var(--yellow),
    var(--green)
  );
}
.cta-inner {
  position: relative;
  z-index: 2;
}
.cta-title {
  font-family: "Playfair Display", serif;
  font-size: clamp(2rem, 4vw, 3rem);
  color: #fff;
  margin-bottom: 14px;
}
.cta-sub {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.02rem;
  max-width: 540px;
  margin: 0 auto 32px;
  line-height: 1.8;
}
.cta-acts {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}
.cta-note {
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.78rem;
  margin-top: 16px;
} */


.contact-section {
  position: relative;
  background: var(--navy);
  padding: 88px 0 100px;
  color: #fff;
  overflow: hidden;
}

.contact-section-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 100% 80% at 100% 0%, rgba(240, 122, 0, 0.12) 0%, transparent 55%),
    radial-gradient(ellipse 70% 50% at 0% 100%, rgba(255, 255, 255, 0.06) 0%, transparent 50%);
  pointer-events: none;
}

.contact-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}

.sec-label--on-dark {
  color: var(--accent-orange);
}

.sec-label--center {
  justify-content: center;
  width: 100%;
}

.contact-title {
  font-size: clamp(1.25rem, 2vw,1.8rem);
  font-weight: 800;
  margin: 12px 0 14px;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.contact-sub {
  margin: 0;
  font-size: 1rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.82);
}

.contact-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.15fr);
  gap: 28px 40px;
  align-items: start;
}

.contact-aside {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.contact-tile {
  display: flex;
  gap: 16px;
  padding: 18px 20px;
  border-radius: 16px;
  text-decoration: none;
  color: inherit;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.12);
  transition:
    background 0.25s ease,
    border-color 0.25s ease,
    transform 0.25s ease;
}

a.contact-tile:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.22);
  transform: translateY(-2px);
  color: inherit;
}

.contact-tile--static {
  cursor: default;
}

.contact-tile-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  background: rgba(255, 255, 255, 0.1);
  color: var(--accent-orange);
}

.contact-tile-label {
  display: block;
  font-family: "Poppins", sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 6px;
}

.contact-tile-text {
  font-size: 0.95rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.95);
  margin: 0 0 6px;
}

.contact-tile-hint {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent-orange);
}

.contact-tile-hint--muted {
  color: rgba(255, 255, 255, 0.45);
  font-weight: 500;
}

.contact-form-panel {
  background: #fff;
  color: var(--text);
  border-radius: 20px;
  padding: clamp(24px, 4vw, 36px);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.contact-form-title {
  font-family: "Poppins", sans-serif;
  font-size: 1.35rem;
  font-weight: 700;
  margin: 0 0 8px;
  color: var(--navy);
}

.contact-form-lead {
  font-size: 0.88rem;
  color: var(--muted);
  margin: 0 0 22px;
  line-height: 1.55;
}

.contact-form-lead abbr {
  text-decoration: none;
  color: var(--accent-orange);
  font-weight: 700;
}

.contact-form {
  max-width: none;
  margin: 0;
  text-align: left;
}

.contact-form .form-row {
  display: flex;
  gap: 16px;
  margin-bottom: 0;
}

.contact-form .field-group {
  flex: 1;
  margin-bottom: 16px;
  min-width: 0;
}

.contact-form .field-group--full {
  flex: 1 1 100%;
}

.contact-form .field-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
  font-family: "Poppins", sans-serif;
}

.contact-form .field-group .req {
  color: var(--accent-orange);
  font-weight: 700;
}

.contact-form input:not([type="checkbox"]):not([type="radio"]),
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 0.95rem;
  line-height: 1.45;
  outline: none;
  font-family: "Open Sans", system-ui, sans-serif;
  color: var(--text);
  background-color: #fafbfc;
  transition:
    border-color 0.2s,
    box-shadow 0.2s,
    background-color 0.2s;
}

/* Native select — match inputs, custom chevron (all contact selects) */
.contact-form select {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  padding-right: 44px;
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%231a4fa3' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 18px 18px;
}

.contact-form select::-ms-expand {
  display: none;
}

.contact-form select option {
  color: var(--text);
  background: #fff;
  padding: 10px;
}

/* Placeholder tone until a real option is chosen */
.contact-form select:required:invalid {
  color: #94a3b8;
}

.contact-form select:valid {
  color: var(--text);
}

.contact-form input::placeholder,
.contact-form textarea::placeholder {
  color: #94a3b8;
}

.contact-form input:hover,
.contact-form select:hover,
.contact-form textarea:hover {
  border-color: rgba(26, 79, 163, 0.35);
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--primary-blue);
  background-color: #fff;
  box-shadow: 0 0 0 3px rgba(26, 79, 163, 0.15);
}

.contact-form select:focus {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23f07a00' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
}

.contact-form textarea {
  margin-bottom: 0;
  resize: vertical;
  min-height: 120px;
}

.contact-form-privacy {
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.5;
  margin: 4px 0 18px;
}

.contact-submit {
  width: 100%;
  max-width: 280px;
  justify-content: center;
}

@media (max-width: 991px) {
  .contact-shell {
    grid-template-columns: 1fr;
  }

  .contact-aside {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }

  .contact-tile--static {
    grid-column: 1 / -1;
  }
}

@media (max-width: 768px) {
  .contact-section {
    padding: 72px 0 80px;
  }

  .contact-form .form-row {
    flex-direction: column;
    gap: 0;
  }

  .contact-aside {
    grid-template-columns: 1fr;
  }

  .contact-submit {
    max-width: none;
  }
}


/* ── PARTNERS ── */
.partners {
  padding: 48px 0;
  border-bottom: 1px solid var(--border);
}

.p-label {
  text-align: center;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--light);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 28px;
}

.p-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 44px;
  flex-wrap: wrap;
}

.p-logo {
  opacity: 0.28;
  filter: grayscale(1);
  transition: all 0.3s;
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--navy);
  letter-spacing: -0.02em;
  cursor: default;
}

.p-logo:hover {
  opacity: 0.65;
  filter: none;
}

/* ── NEWSLETTER ── */
.newsletter {
  background: var(--offwarm);
  padding: 58px 0;
  border-top: 3px solid var(--yellow);
}

.nl-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.nl-title {
  font-family: "Playfair Display", serif;
  font-size: 1.8rem;
  color: var(--navy);
}

.nl-desc {
  color: var(--muted);
  font-size: 0.9rem;
  margin-top: 4px;
}

.nl-form {
  display: flex;
  gap: 10px;
  flex: 1;
  max-width: 440px;
  min-width: 280px;
}

.nl-input {
  flex: 1;
  padding: 12px 18px;
  border: 2px solid var(--border);
  border-radius: 9px;
  font-size: 0.9rem;
  outline: none;
  font-family: "Poppins", sans-serif;
  color: var(--text);
  background: #fff;
  transition: border-color 0.2s;
}

.nl-input:focus {
  border-color: var(--orange);
}

/* ── FOOTER ── */
.site-footer,
footer {
  background: #060a1e;
  color: rgba(255, 255, 255, 0.78);
  padding: 0 0 28px;
}

.footer-wrap {
  padding-top: 48px;
}

/* TOP COLOR STRIPE */
.footer-stripe {
  height: 4px;
  background: linear-gradient(90deg,
      var(--primary-blue),
      #2563c7,
      var(--accent-orange),
      var(--yellow));
  margin: 0;
}

/* GRID */
.footer-grid {
  display: grid;
  grid-template-columns: minmax(260px, 1.35fr) repeat(3, minmax(140px, 1fr));
  gap: 40px 36px;
  align-items: start;
  margin-bottom: 40px;
}

.footer-col {
  min-width: 0;
  background: transparent;
  border: 0;
}

.footer-col--brand {
  padding-right: clamp(0px, 3vw, 24px);
}

/* LOGO IMAGE */
.footer-logo {
  width: 52px;
  height: 52px;
  object-fit: cover;
  border-radius: 50%;
  background: #fff;
  padding: 4px;
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25);
}

/* DESCRIPTION (legacy pages) */
.footer-desc {
  font-size: 0.88rem;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.65);
  margin: 16px 0 22px;
  max-width: 300px;
}

.footer-brand-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 24px;
}

.footer-brand-text {
  min-width: 0;
  padding-top: 2px;
}

.footer-brand-name {
  font-family: "Poppins", sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.footer-brand-name span {
  color: var(--yellow);
}

.footer-legal-name {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.45;
  margin-top: 6px;
  max-width: 260px;
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 22px;
}

.footer-contact-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.footer-contact-icon {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  color: var(--accent-orange);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-contact-body {
  min-width: 0;
  padding-top: 1px;
}

.footer-contact-label {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 4px;
}

.footer-address {
  font-style: normal;
  font-size: 0.88rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.82);
  margin: 0;
  max-width: 280px;
}

.footer-contact-link {
  font-size: 0.9rem;
  font-weight: 600;
  color: #fff;
  text-decoration: none;
  transition: color 0.2s;
}

.footer-contact-link:hover {
  color: var(--accent-orange);
}

/* SOCIAL ICONS */
.footer-socials {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.fsocial {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.65);
  transition:
    background 0.2s,
    border-color 0.2s,
    color 0.2s,
    transform 0.2s;
  font-size: 0.88rem;
  text-decoration: none;
}

.fsocial:hover {
  background: var(--accent-orange);
  border-color: var(--accent-orange);
  color: #fff;
  transform: translateY(-2px);
}

/* COLUMN TITLES */
.footer-col-title {
  font-family: "Poppins", sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #fff;
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

/* LINKS */
.footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 11px;
}

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.72);
  text-decoration: none;
  transition: color 0.2s;
  display: inline-block;
  line-height: 1.4;
}

.footer-links a:hover {
  color: #fff;
}

/* FOOTER BOTTOM */
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 22px 0 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px 24px;
}

/* BOTTOM LINKS */
.fbot-links {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.fbot-sep {
  color: rgba(255, 255, 255, 0.25);
  user-select: none;
}

.fbot-links a {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.55);
  text-decoration: none;
  transition: color 0.2s;
}

.fbot-links a:hover {
  color: #fff;
}

.footer-copy {
  margin: 0;
  font-size: 0.8rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.58);
  max-width: 42rem;
}

/* CERT BADGES */
.cert-badges {
  display: flex;
  gap: 8px;
}

.cert-badge {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 6px;
  padding: 5px 12px;
  font-size: 0.7rem;
  color: rgba(255, 255, 255, 0.4);
  font-weight: 600;
}

/* DEVELOPER CREDIT */
.dev-credit {
  margin: 0;
  margin-top: 8px;
  padding: 16px 0 0;
  text-align: center;
  font-size: 0.76rem;
  color: rgba(255, 255, 255, 0.42);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.dev-credit strong {
  color: var(--yellow);
  font-weight: 600;
}

/* ═══ Mahanagar homepage — premium sections ═══ */

.hero-premium {
  position: relative;
  min-height: min(88vh, 820px);
  display: flex;
  align-items: center;
  padding: clamp(48px, 8vw, 100px) 0;
  overflow: hidden;
}

/* Full-bleed image slider (ab.jpg + banners) */
.hero-slider {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-slides {
  position: absolute;
  inset: 0;
}

.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0;
  transition: opacity 0.85s ease-in-out;
  z-index: 0;
}

.hero-slide.active {
  opacity: 1;
  z-index: 1;
}

.hero-scrim {
  position: absolute;
  inset: 0;
  z-index: 2;
  pointer-events: none;
  background:
    linear-gradient(105deg,
      rgba(8, 28, 68, 0.94) 0%,
      rgba(15, 45, 107, 0.78) 38%,
      rgba(26, 79, 163, 0.42) 62%,
      rgba(15, 45, 107, 0.25) 100%),
    radial-gradient(ellipse 90% 60% at 20% 30%, rgba(240, 122, 0, 0.09) 0%, transparent 55%);
}

.hero-scrim::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.035) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: 0.6;
}

.hero-slider-nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 4;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.35);
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition:
    background 0.25s,
    border-color 0.25s,
    transform 0.2s;
  backdrop-filter: blur(8px);
}

.hero-slider-nav:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: rgba(255, 255, 255, 0.55);
}

.hero-slider-nav:active {
  transform: translateY(-50%) scale(0.96);
}

.hero-slider-prev {
  left: clamp(12px, 3vw, 28px);
}

.hero-slider-next {
  right: clamp(12px, 3vw, 28px);
}

.hero-slider-dots {
  position: absolute;
  bottom: clamp(20px, 4vw, 36px);
  left: 50%;
  transform: translateX(-50%);
  z-index: 4;
  display: flex;
  gap: 10px;
  align-items: center;
}

.hero-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: none;
  padding: 0;
  cursor: pointer;
  background: rgba(255, 255, 255, 0.35);
  transition:
    background 0.25s,
    transform 0.25s;
}

.hero-dot:hover {
  background: rgba(255, 255, 255, 0.55);
}

.hero-dot.active {
  background: var(--accent-orange);
  transform: scale(1.2);
  box-shadow: 0 0 0 2px rgba(255, 255, 255, 0.35);
}

@media (max-width: 576px) {
  .hero-slider-nav {
    width: 40px;
    height: 40px;
    font-size: 0.85rem;
  }

  .hero-slider-prev {
    left: 8px;
  }

  .hero-slider-next {
    right: 8px;
  }

  .hero-slider-dots {
    bottom: 14px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-slide {
    transition: opacity 0.35s ease;
  }
}

.hero-premium-inner {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: clamp(32px, 5vw, 64px);
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.95);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  margin-bottom: 1.25rem;
  backdrop-filter: blur(10px);
}

.hero-premium-title {
  font-size: clamp(1.4rem, 2vw, 2.7rem);
  font-weight: 800;
  line-height: 1.12;
  color: #fff;
  margin-bottom: 1rem;
  letter-spacing: -0.03em;
}

.hero-premium-lead {
  font-size: clamp(1.05rem, 1.5vw, 1.2rem);
  font-weight: 600;
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: 0.85rem;
  line-height: 1.5;
}

.hero-premium-desc {
  font-size: 0.98rem;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.75;
  max-width: 520px;
  margin-bottom: 1.75rem;
}

.hero-premium-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.btn-hero-primary {
  background: #fff;
  color: var(--primary-blue);
  font-weight: 700;
  box-shadow: var(--shadow2);
}

.btn-hero-primary:hover {
  background: #f0f4ff;
  color: var(--primary-blue);
  transform: translateY(-2px);
}

.btn-hero-outline {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.45);
  font-weight: 600;
}

.btn-hero-outline:hover {
  background: rgba(255, 255, 255, 0.18);
  border-color: #fff;
  color: #fff;
}

.hero-glass-stack {
  position: relative;
  min-height: 280px;
}

.hero-glass-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 22px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  backdrop-filter: blur(16px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.15);
  color: #fff;
  max-width: 300px;
  transition:
    transform 0.35s ease,
    box-shadow 0.35s ease;
}

.hero-glass-card i {
  font-size: 1.5rem;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.15);
}

.hero-glass-card strong {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
}

.hero-glass-card span {
  font-size: 0.8rem;
  opacity: 0.85;
}

.hero-glass-card:hover {
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
}

.hg-1 {
  position: absolute;
  top: 0;
  right: 10%;
  animation: heroFloat 5s ease-in-out infinite;
}

.hg-2 {
  position: absolute;
  top: 38%;
  right: 0;
  animation: heroFloat 5.5s ease-in-out infinite 0.5s;
}

.hg-3 {
  position: absolute;
  bottom: 0;
  right: 18%;
  animation: heroFloat 6s ease-in-out infinite 0.2s;
}

@keyframes heroFloat {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-10px);
  }
}

.about-preview-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
  align-items: center;
}

.about-preview-card {
  background: linear-gradient(145deg, #fff 0%, var(--off) 100%);
  border-radius: 20px;
  padding: 40px 32px;
  text-align: center;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-card);
  transition:
    transform 0.3s,
    box-shadow 0.3s;
}

.about-preview-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow2);
}

.ap-stat {
  font-family: "Poppins", sans-serif;
  font-size: 3rem;
  font-weight: 800;
  color: var(--primary-blue);
  line-height: 1;
}

.ap-stat-label {
  font-size: 0.9rem;
  color: var(--muted);
  font-weight: 600;
  margin-top: 8px;
}

.about-preview-text {
  max-width: none;
}

.highlight-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.highlight-card {
  background: #fff;
  border-radius: 18px;
  padding: 28px 24px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  transition:
    transform 0.3s ease,
    box-shadow 0.3s ease,
    border-color 0.3s;
}

.highlight-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow2);
  border-color: rgba(26, 79, 163, 0.2);
}

.hc-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: #fff;
  background: linear-gradient(135deg, var(--primary-blue), #2d6bcc);
  margin-bottom: 16px;
}

.hc-title {
  font-family: "Poppins", sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.hc-desc {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.6;
}

.svc-grid-premium .svc-card {
  border-radius: 18px;
  box-shadow: var(--shadow);
}

.svc-grid-premium .svc-icon {
  font-size: 1.35rem;
}

.deposit-section {
  background: linear-gradient(180deg, #fff 0%, var(--off) 100%);
}

.deposit-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.deposit-features {
  list-style: none;
  margin: 24px 0 28px;
}

.deposit-features li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 12px;
}

.deposit-features i {
  color: var(--green);
  font-size: 1.15rem;
}

.deposit-visual-card {
  border-radius: 24px;
  padding: 48px 36px;
  background: linear-gradient(145deg, var(--primary-blue) 0%, #2563c7 50%, #1a4fa3 100%);
  color: #fff;
  text-align: center;
  box-shadow: var(--shadow2);
  border: 1px solid rgba(255, 255, 255, 0.15);
  transition: transform 0.35s ease;
}

.deposit-visual-card:hover {
  transform: scale(1.02);
}

.deposit-visual-card i {
  opacity: 0.95;
  margin-bottom: 16px;
}

.deposit-visual-card p {
  font-size: 1rem;
  line-height: 1.65;
  opacity: 0.9;
  margin: 0;
}

.branch-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.branch-card {
  background: #fff;
  border-radius: 18px;
  padding: 28px 24px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  transition:
    transform 0.3s,
    box-shadow 0.3s;
}

.branch-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow2);
}

.branch-pin {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(26, 79, 163, 0.1);
  color: var(--primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  margin-bottom: 16px;
}

.branch-name {
  font-family: "Poppins", sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.branch-badge {
  display: inline-block;
  margin-left: 8px;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 4px 10px;
  border-radius: 100px;
  background: rgba(240, 122, 0, 0.15);
  color: var(--accent-orange);
  vertical-align: middle;
}

.branch-addr {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.6;
}

.interest-strip {
  padding-top: 70px;
  padding-bottom: 70px;
  background: linear-gradient(90deg, rgba(26, 79, 163, 0.06) 0%, rgba(240, 122, 0, 0.06) 100%);
}

.interest-strip-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
}

.awareness-section {
  background: linear-gradient(180deg, #f8fafc 0%, #fff 40%, #f1f5f9 100%);
}

.awareness-grid {
  margin-top: 8px;
}

.awareness-card {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow2);
  border: 1px solid rgba(255, 255, 255, 0.12);
  transition:
    transform 0.35s cubic-bezier(0.33, 1, 0.68, 1),
    box-shadow 0.35s ease;
  min-height: 100%;
  display: flex;
  flex-direction: column;
}

.awareness-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 24px 56px rgba(26, 79, 163, 0.18);
}

.awareness-card-bg {
  position: absolute;
  inset: 0;
  border-radius: 20px;
}

.awareness-card--dos .awareness-card-bg {
  background: linear-gradient(145deg, #0a5c36 0%, #0d4a2c 40%, #1a8f5c 100%);
}

.awareness-card--dont .awareness-card-bg {
  background: linear-gradient(145deg, #7f1d1d 0%, #6b1a1a 45%, #b91c1c 100%);
}

.awareness-card--fraud .awareness-card-bg {
  background: linear-gradient(145deg, #713f12 0%, #3d2a0d 40%, #a16207 100%);
}

.awareness-card--identity .awareness-card-bg {
  background: linear-gradient(145deg, #0f2d6b 0%, #1a4fa3 50%, #2563eb 100%);
}

.awareness-card-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.07) 1px, transparent 1px);
  background-size: 20px 20px;
  pointer-events: none;
}

.awareness-card-body {
  position: relative;
  z-index: 1;
  padding: 28px 28px 26px;
  color: #fff;
  display: flex;
  flex-direction: column;
  flex: 1 1 auto;
  min-height: 260px;
}

.awareness-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.11em;
  color: rgba(255, 255, 255, 0.88);
  margin-bottom: 10px;
}

.awareness-tag--warn {
  color: #fecaca;
}

.awareness-tag--alert {
  color: #fde68a;
}

.awareness-card-title {
  font-family: "Poppins", sans-serif;
  font-size: clamp(1.35rem, 2.5vw, 1.6rem);
  font-weight: 800;
  margin: 0 0 14px;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.awareness-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.awareness-list li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 10px;
  font-size: 0.92rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.94);
}

.awareness-list--dos li::before {
  content: "✓";
  position: absolute;
  left: 0;
  font-weight: 800;
  color: #86efac;
}

.awareness-list--dont li::before {
  content: "✕";
  position: absolute;
  left: 0;
  font-weight: 800;
  color: #fecaca;
}

.awareness-lead {
  font-size: 0.92rem;
  line-height: 1.6;
  margin: 0 0 10px;
  color: rgba(255, 255, 255, 0.9);
}

.awareness-emphasis {
  font-size: 0.9rem;
  font-weight: 600;
  line-height: 1.55;
  margin: 0 0 12px;
  color: #fff;
  padding: 10px 12px;
  border-radius: 10px;
  background: rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.awareness-helpline {
  font-size: 0.98rem;
  margin: 0 0 16px;
  color: rgba(255, 255, 255, 0.92);
}

.awareness-helpline strong {
  color: #fde047;
  font-size: 1.1rem;
  font-weight: 800;
}

.awareness-card-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  align-self: flex-start;
  margin-top: auto;
  padding: 12px 18px 10px;
  border-radius: 10px;
  font-size: 0.82rem;
  font-weight: 700;
  font-family: "Poppins", sans-serif;
  text-decoration: none;
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border: 1.5px solid rgba(255, 255, 255, 0.35);
  transition:
    background 0.25s,
    border-color 0.25s,
    transform 0.2s;
}

.awareness-card-btn:hover {
  background: rgba(255, 255, 255, 0.24);
  border-color: rgba(255, 255, 255, 0.55);
  color: #fff;
  transform: translateX(4px);
}

.rbi-section {
  padding-top: 0;
}

.rbi-panel {
  border-radius: 24px;
  overflow: hidden;
  background: linear-gradient(135deg, #0c2d66 0%, var(--primary-blue) 45%, #153a7a 100%);
  box-shadow: var(--shadow2);
}

.rbi-panel-inner {
  padding: clamp(40px, 6vw, 64px);
  color: rgba(255, 255, 255, 0.88);
}

.rbi-title {
  font-size: clamp(1.75rem, 3vw, 2.35rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 12px;
}

.rbi-desc {
  font-size: 1rem;
  max-width: 560px;
  line-height: 1.7;
  margin-bottom: 24px;
  opacity: 0.88;
}

.rbi-includes {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px 24px;
  margin-bottom: 28px;
  max-width: 480px;
}

.rbi-includes li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.95rem;
}

.rbi-includes i {
  color: #86efac;
}

.rbi-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.quick-links-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.ql-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 22px 20px;
  background: #fff;
  border-radius: 16px;
  border: 1px solid var(--border);
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
  font-size: 0.92rem;
  box-shadow: var(--shadow);
  transition:
    transform 0.25s,
    box-shadow 0.25s,
    border-color 0.25s;
  position: relative;
}

.ql-card>i:first-child {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(26, 79, 163, 0.1);
  color: var(--primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.ql-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow2);
  border-color: rgba(26, 79, 163, 0.25);
  color: var(--primary-blue);
}

.ql-ext {
  margin-left: auto;
  font-size: 0.75rem;
  opacity: 0.45;
}

.cta-premium {
  padding: 72px 0;
  background: linear-gradient(135deg, var(--accent-orange) 0%, #e86a00 50%, #ff9933 100%);
}

.cta-premium-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
}

.cta-premium-title {
  font-size: clamp(1.25rem, 2vw,1.8rem);
  font-weight: 500;
  color: #fff;
  margin-bottom: 8px;
}

.cta-premium-sub {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.92);
  margin: 0;
}

.cta-premium-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.mn-brand {
  font-family: "Poppins", sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
}

.mn-brand span {
  color: var(--accent-orange);
}

.mn-cta {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

@media (max-width: 1024px) {
  .hero-premium-inner {
    grid-template-columns: 1fr;
  }

  .hero-glass-stack {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    min-height: auto;
    max-width: 100%;
    margin: 0 auto;
  }

  .hg-1,
  .hg-2,
  .hg-3 {
    position: relative;
    top: auto;
    right: auto;
    bottom: auto;
    margin-bottom: 0;
    max-width: 100%;
    animation: none;
  }

  .about-preview-grid,
  .deposit-split {
    grid-template-columns: 1fr;
  }

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

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

  .quick-links-grid {
    grid-template-columns: 1fr 1fr;
  }

  .rbi-includes {
    grid-template-columns: 1fr;
  }

}

@media (max-width: 768px) {

  .highlight-grid,
  .quick-links-grid {
    grid-template-columns: 1fr;
  }

  .awareness-card-body {
    padding: 24px 22px 22px;
  }
}

/* ── REVEAL ── */
.rv {
  opacity: 0;
  transform: translateY(22px);
  transition:
    opacity 0.65s ease,
    transform 0.65s ease;
}

.rv.up {
  opacity: 1;
  transform: translateY(0);
}

.rv-l {
  opacity: 0;
  transform: translateX(-22px);
  transition:
    opacity 0.65s ease,
    transform 0.65s ease;
}

.rv-l.up {
  opacity: 1;
  transform: translateX(0);
}

.rv-r {
  opacity: 0;
  transform: translateX(22px);
  transition:
    opacity 0.65s ease,
    transform 0.65s ease;
}

.rv-r.up {
  opacity: 1;
  transform: translateX(0);
}

/* ── MOBILE NAV ── */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: #fff;
  z-index: 999;
  padding: 24px;
  overflow-y: auto;
  flex-direction: column;
}

.mobile-nav.open {
  display: flex;
}

.mn-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 3px solid var(--yellow);
}

.mn-close {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--off);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.2rem;
  border: none;
  color: var(--text);
}

.mn-links {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.mn-links a {
  padding: 13px 16px;
  color: var(--text);
  font-size: 0.98rem;
  font-weight: 500;
  text-decoration: none;
  border-radius: 10px;
  border: 1px solid var(--border);
  transition: all 0.2s;
  display: block;
}

.mn-links a:hover {
  background: var(--off);
  color: var(--navy);
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {

  .hero-inner,
  .split,
  .calc-wrap,
  .app-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-right,
  .phone-wrap {
    display: none;
  }

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

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

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

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

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

  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 36px 28px;
  }

  .footer-col--brand {
    grid-column: 1 / -1;
    padding-right: 0;
    max-width: 520px;
  }

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

@media (max-width: 768px) {

  .nav-menu,
  .nav-actions {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .svc-grid,
  .blog-grid {
    grid-template-columns: 1fr;
  }

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

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-col--brand {
    grid-column: auto;
    max-width: none;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }

  .fbot-links {
    width: 100%;
    justify-content: flex-start;
  }

  .top-bar .container {
    flex-direction: column;
    text-align: center;
  }

  .nl-inner {
    flex-direction: column;
    text-align: center;
  }

  .nl-form {
    width: 100%;
    max-width: 100%;
  }

  .section {
    padding: 64px 0;
  }

  .hero {
    padding: 60px 0;
  }
}

@media (max-width: 540px) {

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

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

  .hero-btns,
  .cta-acts {
    flex-direction: column;
    align-items: flex-start;
  }

  .cta-acts {
    align-items: center;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .p-logos {
    gap: 24px;
  }
}

/* -- INNER PAGE STYLES (Enriched) -- */

.inner-banner {
  position: relative;
  background: linear-gradient(135deg, #0c2d66 0%, var(--primary-blue) 45%, #153a7a 100%);
  padding: clamp(20px, 40px, 60px) 0 clamp(20px, 40px, 60px);
  color: #fff;
  overflow: hidden;
  margin-bottom: 0;
  /* Reset margin, use section padding instead */
}

/* Homepage-inspired patterns for inner banners */
.inner-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px);
  background-size: 32px 32px;
  pointer-events: none;
  z-index: 1;
}

.inner-banner::after {
  content: "";
  position: absolute;
  right: -5%;
  top: -20%;
  width: 40%;
  height: 140%;
  background: radial-gradient(circle, rgba(240, 122, 0, 0.1) 0%, transparent 70%);
  pointer-events: none;
  z-index: 2;
}

.inner-banner .container {
  position: relative;
  z-index: 10;
}

.inner-banner h1 {
  font-size: clamp(20px, 26px, 32px);
  font-weight: 500;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}

.breadcrumb {
  background: transparent;
  padding: 0;
  margin: 0;
}

.breadcrumb-item+.breadcrumb-item::before {
  content: "\f105";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.8rem;
}

.breadcrumb-item a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.85rem;
  transition: color 0.2s;
}

.breadcrumb-item a:hover {
  color: #fff;
}

.breadcrumb-item.active {
  color: var(--yellow);
  font-weight: 700;
}

.section-padding {
  padding: clamp(60px, 8vw, 100px) 0;
}

/* Premium Cards - Syncing with homepage svc-card interaction */
.card-premium {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: clamp(24px, 4vw, 36px);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  height: 100%;
  box-shadow: 0 8px 32px rgba(26, 79, 163, 0.05);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.card-premium::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--cyan), var(--orange));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

.card-premium:hover {
  transform: translateY(-10px);
  box-shadow: 0 20px 48px rgba(26, 79, 163, 0.12);
  border-color: rgba(26, 79, 163, 0.15);
}

.card-premium:hover::before {
  transform: scaleX(1);
}

.icon-box {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: var(--off);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 24px;
  transition: all 0.3s ease;
  flex-shrink: 0;
}

.card-premium:hover .icon-box {
  background: var(--navy);
  color: #fff;
  transform: scale(1.05);
}

/* Icon Box Color Variants */
.icon-box.ic-navy {
  background: rgba(26, 79, 163, 0.1);
  color: var(--navy);
}

.icon-box.ic-orange {
  background: rgba(240, 122, 0, 0.1);
  color: var(--accent-orange);
}

.icon-box.ic-yellow {
  background: rgba(255, 193, 7, 0.1);
  color: #ffc107;
}

.icon-box.ic-green {
  background: rgba(40, 167, 69, 0.1);
  color: #28a745;
}

.icon-box.ic-cyan {
  background: rgba(23, 162, 184, 0.1);
  color: #17a2b8;
}

.icon-box.ic-red {
  background: rgba(220, 53, 69, 0.1);
  color: #dc3545;
}

.card-premium:hover .icon-box.ic-navy {
  background: var(--navy);
  color: #fff;
}

.card-premium:hover .icon-box.ic-orange {
  background: var(--accent-orange);
  color: #fff;
}

.card-premium:hover .icon-box.ic-yellow {
  background: #ffc107;
  color: #fff;
}

.card-premium:hover .icon-box.ic-green {
  background: #28a745;
  color: #fff;
}

.card-premium:hover .icon-box.ic-cyan {
  background: #17a2b8;
  color: #fff;
}

.card-premium:hover .icon-box.ic-red {
  background: #dc3545;
  color: #fff;
}

/* Feature List - Syncing with homepage check-list */
.feature-list {
  list-style: none;
  padding: 0;
  margin: 24px 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.62;
}

.feature-list li::before {
  content: "✓";
  min-width: 24px;
  height: 24px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-orange), var(--yellow));
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
  box-shadow: 0 4px 12px rgba(240, 122, 0, 0.25);
}

.cta-inner-page {
  background: var(--offwarm);
  border-top: 1px solid var(--border);
  padding: clamp(60px, 8vw, 100px) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-inner-page::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(var(--border) 1px, transparent 1px);
  background-size: 40px 40px;
  opacity: 0.4;
  pointer-events: none;
}

.cta-inner-page h2 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  margin-bottom: 16px;
  color: var(--navy);
  position: relative;
}

.cta-inner-page p {
  position: relative;
  color: var(--muted);
  font-size: 1.05rem;
}


.inner-banner {
  min-height: 220px;
  display: flex;
  align-items: center;
}

.banner-bg {
  position: absolute;
  inset: 0;
  background: url('assets/images/ab.jpg') center/cover no-repeat;
  transform: scale(1.05);
}

.banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #0a1f44 60%, rgba(0, 0, 0, 0.4));
}

.hero-title {
  font-size: 20px;
  font-weight: 500;
  letter-spacing: 1px;
}

.hero-subtitle {
  font-size: 18px;
  opacity: 0.85;
  max-width: 520px;
}

.badge-soft {
  display: inline-flex;
  gap: 8px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(8px);
  padding: 8px 14px;
  border-radius: 50px;
  font-size: 12px;
  text-transform: uppercase;
}

.custom-breadcrumb li {
  display: inline;
  color: #ddd;
}

.custom-breadcrumb li a {
  color: #fff;
  text-decoration: none;
}

.card-premium {
  border-radius: 16px;
  transition: all 0.3s ease;
  background: #fff;
}

.card-premium:hover {
  transform: translateY(-6px);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.08);
}

.highlight-card {
  padding: 24px;
  border-radius: 16px;
  background: #fff;
  transition: 0.3s;
  border: 1px solid #eee;
}

.highlight-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.07);
}

.hc-icon {
  font-size: 24px;
  margin-bottom: 12px;
}

.icon-box {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 15px;
}

.ic-navy {
  background: #0a1f44;
  color: #fff;
}

.ic-orange {
  background: #ff7a00;
  color: #fff;
}

.cta-inner-page {
  background: linear-gradient(135deg, #0a1f44, #142f6b);
  color: #fff;
  text-align: center;
  padding: 70px 20px;
  border-radius: 20px;
}

.cta-inner-page h2 {
  font-weight: 700;
}

.btn-orange {
  background: #ff7a00;
  color: #fff;
  border-radius: 30px;
  padding: 12px 24px;
}

.btn-navy {
  background: #fff;
  color: #0a1f44;
  border-radius: 30px;
}

.breadcrumb-wrapper {
  display: inline-block;
  margin-top: 10px;
  background: transparent !important;
  border: 0 !important;
}

/* Container */
.custom-breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 14px;
  border-radius: 50px;
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(8px);
}

/* Items */
.custom-breadcrumb .breadcrumb-item {
  font-size: 14px;
  color: #ddd;
  display: flex;
  align-items: center;
}

/* Links */
.custom-breadcrumb .breadcrumb-item a {
  color: #fff;
  text-decoration: none;
  transition: 0.3s;
  display: flex;
  align-items: center;
  gap: 6px;
}

.custom-breadcrumb .breadcrumb-item a:hover {
  color: #ff7a00;
}

/* Active */
.custom-breadcrumb .breadcrumb-item.active {
  color: #ff7a00;
  font-weight: 500;
}

/* Separator */
.breadcrumb-separator {
  color: #aaa;
  font-size: 12px;
}

/* ── FOOTER PREMIUM (LOGO BASED) ── */
.site-footer,
footer {
  background: linear-gradient(135deg, #0a1f44, #081833);
  color: rgba(255, 255, 255, 0.85);
  padding: 0 0 28px;
  position: relative;
  overflow: hidden;
}

/* subtle glow effect */
.site-footer::before {
  content: "";
  position: absolute;
  top: -80px;
  right: -80px;
  width: 250px;
  height: 250px;
  background: radial-gradient(circle, rgba(249,115,22,0.15), transparent 70%);
}

/* TOP STRIPE (ENHANCED) */
.footer-stripe {
  height: 5px;
  background: linear-gradient(90deg,
      #1f4fa3,
      #3b82f6,
      #f97316,
      #facc15);
}

/* BRAND NAME */
.footer-brand-name span {
  color: #f97316; /* orange highlight */
}

/* ICON BOX */
.footer-contact-icon {
  background: rgba(255,255,255,0.08);
  color: #f97316;
  border: 1px solid rgba(255,255,255,0.12);
  transition: 0.3s;
}

.footer-contact-row:hover .footer-contact-icon {
  background: #f97316;
  color: #fff;
}

/* LINKS */
.footer-links a {
  color: rgba(255,255,255,0.75);
  position: relative;
}

.footer-links a:hover {
  color: #f97316;
  transform: translateX(4px);
}

/* SOCIAL ICONS */
.fsocial {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
}

.fsocial:hover {
  background: #f97316;
  border-color: #f97316;
  color: #fff;
  transform: translateY(-3px);
}

/* TITLES */
.footer-col-title {
  border-bottom: 1px solid rgba(255,255,255,0.15);
}

/* BOTTOM */
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
}

/* COPYRIGHT */
.footer-copy {
  color: rgba(255,255,255,0.6);
}
.btn-navy {
    background-color: #001f3f; /* navy */
    color: white;
}

.btn-navy:hover {
    background-color: #003366; /* slightly lighter navy */
    color: white;
}