@import url('https://fonts.googleapis.com/css2?family=Albert+Sans:ital,wght@0,100..900;1,100..900&family=Plus+Jakarta+Sans:ital,wght@0,200..800;1,200..800&display=swap');

:root {
    /* ---------- Brand colors ---------- */
    --primary-color: #1A143C;
    --primary-color-rgb: 26, 20, 60;

    --secondary-color: #32A2C5;
    --secondary-color-rgb: 50, 162, 197;

    --accent-blue: #1E6FD9;
    --accent-blue-rgb: 30, 111, 217;

    --tertiary-color: #fff9f6;
    --tertiary-color-rgb: 255, 249, 246;

    --background-color: #F4F4F4;
    --background-color-rgb: 244, 244, 244;

    --text-color: #4A4A4A;
    --text-color-rgb: 100, 104, 110;

    --heading-color: #252525;
    --heading-color-rgb: 22, 36, 61;

    --border-color: #d9d9d9;
    --border-color-rgb: 217, 217, 217;

    --white-color: #ffffff;
    --white-color-rgb: 255, 255, 255;

        --success-color: #2FBF71;
    --success-color-rgb: 47, 191, 113;
    --warning-color: #E8A33D;
    --warning-color-rgb: 232, 163, 61;

    /* ---------- Gradients (new design system) ----------
       Every gradient below is derived from the brand colors above,
       so nothing on the page relies on a one-off hex value anymore. */
    --gradient-primary: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    --gradient-accent: linear-gradient(135deg, var(--secondary-color) 0%, var(--accent-blue) 100%);
    --gradient-dark: linear-gradient(160deg, var(--primary-color) 0%, #2A2160 100%);
    --gradient-soft: linear-gradient(135deg, rgba(var(--secondary-color-rgb), 0.08) 0%, rgba(var(--accent-blue-rgb), 0.08) 100%);
    --gradient-soft-strong: linear-gradient(135deg, rgba(var(--secondary-color-rgb), 0.16) 0%, rgba(var(--accent-blue-rgb), 0.14) 100%);
    --gradient-text: linear-gradient(100deg, var(--secondary-color) 0%, var(--accent-blue) 100%);

    /* ---------- Links ---------- */
    --link-color: var(--secondary-color);
    --link-hover-color: var(--primary-color);

    /* ---------- Typography ---------- */
    --font-family: "Albert Sans", sans-serif;
    --font-family-heading: "Plus Jakarta Sans", sans-serif;

    --font-weight-regular: 400;
    --font-weight-medium: 500;
    --font-weight-semibold: 600;

    --font-size-base: 16px;
    --line-height-base: 1.9;

    --font-size-h1: 60px;
    --font-size-h2: 2.75rem;
    --font-size-h3: 1.75rem;
    --font-size-h4: 30px;
    --font-size-h5: 24px;
    --font-size-h6: 20px;
    --font-size-small: 1.125rem;
    --font-size-xs: 1rem;

    --line-height-heading: 1.4;
    --line-height-small: 1.1;

    --padding-4: 20px;

    /* ---------- Shape & elevation ---------- */
    --radius-sm: 8px;
    --radius-md: 16px;
    --radius-lg: 28px;
    --radius-pill: 999px;

    --shadow-sm: 0 4px 14px rgba(var(--primary-color-rgb), 0.08);
    --shadow-md: 0 12px 32px rgba(var(--primary-color-rgb), 0.16);
    --shadow-lg: 0 20px 48px rgba(var(--primary-color-rgb), 0.18);

    --overlay-dark: rgba(var(--primary-color-rgb), 0.55);

    /* ---------- Motion ---------- */
    --ease-smooth: cubic-bezier(0.16, 1, 0.3, 1);
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: auto;
    /* Lenis takes over smooth scrolling; native smooth scroll is
       disabled here so the two don't fight each other. */
}

html.lenis,
html.lenis body {
    height: auto;
}

html.lenis.lenis-smooth {
    scroll-behavior: auto !important;
}

html.lenis.lenis-stopped {
    overflow: hidden;
}

body {
    font-family: var(--font-family);
    font-size: var(--font-size-base);
    line-height: var(--line-height-base);
    color: var(--text-color);
    background-color: var(--white-color);
    overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-family-heading);
    color: var(--heading-color);
    font-weight: var(--font-weight-semibold);
    letter-spacing: -0.01em;
}

h2 {
    font-size: var(--font-size-h2);
    line-height: 1.5;
}

h3 {
    font-size: var(--font-size-h3);
    line-height: 1.2;
}

h5 {
    font-size: var(--font-size-h5);
}

p, a, div {
    font-family: var(--font-family);
    font-size: 1.125rem;
    font-weight: 400;
    line-height: 1.5em;
}

a {
    color: var(--link-color);
    text-decoration: none;
    transition: color .2s ease;
}

a:hover {
    color: var(--link-hover-color);
}

.bg-light {
    background: var(--background-color) !important;
}

/* Gradient text utility — used sparingly, on a couple of headline
   highlights only, so it stays a signature rather than noise. */
.text-gradient {
    background: var(--gradient-text);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}





.bg-2{
    background: var(--tertiary-color);
}


/* ==========================================================================
   Reusable section heading system
   One markup pattern (.section-heading > .section-badge + h2 + p) is now
   used by every section instead of a bespoke badge class per section.
   ========================================================================== */
.section-heading {
    margin-bottom: 50px;
}

.section-heading.text-center {
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}

.section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--gradient-soft);
    color: var(--primary-color);
    font-family: var(--font-family);
    font-size: 13px;
    font-weight: var(--font-weight-semibold);
    letter-spacing: .03em;
    text-transform: uppercase;
    padding: 7px 18px;
    border-radius: var(--radius-pill);
    margin-bottom: 18px;
}

.section-badge svg {
    width: 16px;
    height: 16px;
}

.section-heading h2 {
    font-size: var(--font-size-h2);
    margin-bottom: 0;
}

.section-heading .section-desc {
    font-size: var(--font-size-small);
    color: var(--text-color);
    margin: 14px 0 0;
}

/* ==========================================================================
   Navbar
   ========================================================================== */
.navbar .container-fluid {
    background-color: var(--background-color);
    border-radius: 20px;
    padding: 20px;
    margin: 0 20px 20px 20px;
    transition: box-shadow .3s ease;
}

.navbar-brand {
    display: flex;
    align-items: center;

    justify-content: center;
}

.navbar-brand img {
    width: 200px;
}

.navbar-nav{
     background: rgba(var(--secondary-color-rgb), 0.08); 
    padding: 8px 8px !important;
    border-radius: var(--radius-pill);

}



.nav-link {
    color: var(--heading-color);
    padding: 8px 18px !important;
    font-size: var(--font-size-xs);
    font-weight: var(--font-weight-medium);
    display: inline-flex;
    align-items: center;
    gap: 6px;
      border-radius: var(--radius-pill);
    transition: background .2s ease, color .2s ease;
}

.nav-link:hover,
.nav-link.active {
    background: var(--gradient-accent);
    color: var(--white-color) !important;
}

.navbar-nav {
    gap: 20px;
    justify-content:  space-evenly;
}

.btn-primary-pill {
    background: var(--gradient-accent);
    color: var(--white-color);
    border: none;
    border-radius: var(--radius-pill);
    padding: 12px 26px;
    font-size: var(--font-size-small);
    font-weight: var(--font-weight-medium);
    transition: filter .25s ease, transform .25s ease, box-shadow .25s ease;
}

.btn-primary-pill:hover {
    filter: brightness(0.92);
    color: var(--white-color);
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero-wrap {
    padding: 0 0 64px;
}

.hero-media {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    min-height: 560px;
    isolation: isolate;
}

.hero-media img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 30%;
    z-index: -2;
    transform: scale(1.02);
    transition: transform 1.2s var(--ease-smooth);
}

.hero-media:hover img {
    transform: scale(1.07);
}

.hero-media::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(var(--primary-color-rgb), 0.15) 0%, rgba(var(--primary-color-rgb), 0.05) 40%, rgba(var(--primary-color-rgb), 0.7) 100%);
    z-index: -1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(var(--white-color-rgb), 0.10);
    border: 1px solid rgba(var(--white-color-rgb), 0.4);
    color: var(--white-color);
    font-family: var(--font-family);
    font-size: 12px;
    font-weight: var(--font-weight-medium);
    letter-spacing: .02em;
    padding: 6px 16px;
    border-radius: var(--radius-pill);
    margin-bottom: 18px;
    backdrop-filter: blur(4px);
}

.hero-content {
    position: absolute;
    left: 40px;
    bottom: 40px;
    max-width: 900px;
    z-index: 1;
}

.hero-content h1 {
    font-size: clamp(2.375rem, 8vw, 5rem);
    font-weight: 500;
    text-transform: capitalize;
    color: var(--white-color);
    line-height: 1.075em;
    letter-spacing: -0.015em;
}

.hero-copy-panel {
    position: absolute;
    right: 40px;
    bottom: 40px;
    max-width: 400px;
    z-index: 1;
    text-align: left;
}

.hero-copy-panel p {
    color: rgba(var(--white-color-rgb), 0.9);
    font-size: 16px;
    line-height: 1.6;
    margin-bottom: 18px;
}

.btn-hero-primary {
    background: var(--gradient-accent);
    color: var(--white-color);
    border: none;
    border-radius: var(--radius-pill);
    padding: 12px 24px;
    font-size: var(--font-size-small);
    font-weight: var(--font-weight-medium);
    transition: filter .25s ease, transform .25s ease;
}

.btn-hero-primary:hover {
    filter: brightness(0.92);
    transform: translateY(-2px);
}

.btn-hero-ghost {
    background: transparent;
    color: var(--white-color);
    border: 1px solid rgba(var(--white-color-rgb), 0.5);
    border-radius: var(--radius-pill);
    padding: 12px 22px;
    font-size: var(--font-size-small);
    font-weight: var(--font-weight-medium);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: border-color .2s ease, background .2s ease, transform .25s ease;
}

.btn-hero-ghost:hover {
    color: var(--white-color);
    border-color: var(--white-color);
    background: rgba(var(--white-color-rgb), 0.1);
    transform: translateY(-2px);
}

/* ---------- Stats ---------- */
.stats-row {
    padding: 20px 0;
}

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

.stat-number {
    font-family: var(--font-family-heading);
    font-size: var(--font-size-h1);
    font-weight: var(--font-weight-semibold);
    line-height: var(--line-height-small);
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

.stat-label {
    margin-top: 6px;
    font-size: var(--font-size-small);
    font-weight: var(--font-weight-medium);
    color: var(--secondary-color);
}

.stat-divider {
    width: 1px;
    background: var(--border-color);
    height: 44px;
}

/* ==========================================================================
   About
   ========================================================================== */
.about-section {
    padding: 100px 0 70px;
    overflow: hidden;
}

.section-partner-logos{
        padding: 70px  0px;

}

.about-text p {
    color: var(--text-color);
    font-size: var(--font-size-small);
}

.btn-about {
    background: var(--gradient-accent);
    color: var(--white-color);
    border: none;
    border-radius: var(--radius-pill);
    padding: 13px 26px;
    font-size: var(--font-size-small);
    font-weight: var(--font-weight-medium);
    display: inline-block;
    transition: filter .25s ease, transform .25s ease, box-shadow .25s ease;
}

.btn-about:hover {
    filter: brightness(0.92);
    color: var(--white-color);
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}

.about-media-row {
    margin-top: 48px;
}

.about-card {
    position: relative;
    border-radius: var(--radius-md);
    overflow: hidden;
    height: 420px;
    isolation: isolate;
}

.about-card img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    z-index: -2;
    transition: transform .5s ease;
}

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

/* Both cards now tint from the same accent gradient family instead of an
   arbitrary green/blue pair, so they read as one coherent system. */
.about-card::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -1;
}

.about-card.tint-green::after {
    background: linear-gradient(180deg, rgba(var(--secondary-color-rgb), 0.15) 0%, rgba(var(--secondary-color-rgb), 0.92) 100%);
}

.about-card.tint-blue::after {
    background: linear-gradient(180deg, rgba(var(--accent-blue-rgb), 0.15) 0%, rgba(var(--accent-blue-rgb), 0.92) 100%);
}

.about-card-overlay {
    position: absolute;
    left: 28px;
    right: 28px;
    bottom: 28px;
    z-index: 1;
    color: var(--white-color);
    transform: translateY(14px);
    transition: transform .35s ease;
}

.about-card:hover .about-card-overlay {
    transform: translateY(0);
}

.about-card-tag {
    display: inline-block;
    font-size: 12px;
    font-weight: var(--font-weight-semibold);
    letter-spacing: .04em;
    text-transform: uppercase;
    background: rgba(var(--white-color-rgb), 0.2);
    padding: 4px 14px;
    border-radius: var(--radius-pill);
    margin-bottom: 12px;
}

.about-card-overlay h3 {
    color: var(--white-color);
    margin-bottom: 8px;
}

.about-card-overlay p {
    font-size: 13px;
    line-height: 1.6;
    color: rgba(var(--white-color-rgb), 0.9);
    margin-bottom: 16px;
    max-width: 320px;
}

.about-card-readmore {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: var(--font-weight-medium);
    color: var(--white-color);
    border-bottom: 1px solid rgba(var(--white-color-rgb), 0.6);
    padding-bottom: 2px;
}

.about-card-readmore:hover {
    color: var(--white-color);
    border-color: var(--white-color);
}

/* always-visible tag (before hover) so the label reads even without hover on touch devices */
.about-card-tag-static {
    position: absolute;
    left: 28px;
    top: 28px;
    z-index: 1;
    font-size: 12px;
    font-weight: var(--font-weight-semibold);
    letter-spacing: .04em;
    text-transform: uppercase;
    color: var(--white-color);
    background: rgba(var(--white-color-rgb), 0.18);
    padding: 5px 16px;
    border-radius: var(--radius-pill);
    backdrop-filter: blur(3px);
    transition: opacity .3s ease;
}

.about-card:hover .about-card-tag-static {
    opacity: 0;
}

/* ==========================================================================
   Why Choose Capsecure
   ========================================================================== */
.why-choose-section {
    padding: 80px 0 100px;
    background: var(--background-color);
    overflow: hidden;
}

.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.why-choose-card {
    position: relative;
    display: flex;
    flex-direction: column;
    gap: 20px;
    padding: 2rem;
    background: var(--white-color);
    border-radius: 20px;
    border: 1px solid rgba(var(--secondary-color-rgb), .08);
    transition: transform .35s ease, box-shadow .35s ease;
    overflow: hidden;
    height: 100%;
}

.why-choose-card::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    width: 100%;
    height: 4px;
    background: var(--gradient-primary);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .35s ease;
}

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

.why-choose-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.why-choose-icon {
    width: 88px;
    height: 88px;
    border-radius: 18px;
    background: var(--gradient-soft);
    display: flex;
    align-items: center;
    justify-content: center;
}

.why-choose-img {
    width: 54px;
    height: 54px;
    object-fit: contain;
}

.why-choose-content h4 {
    margin-bottom: 14px;
    font-weight: 600;
}

.why-choose-content p {
    margin: 0;
    font-size: 15px;
    line-height: 1.8;
    color: var(--text-color);
}

@media (max-width: 991px) {
    .why-choose-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .why-choose-card {
        padding: 1.8rem;
    }
}

@media (max-width: 575px) {
    .why-choose-section {
        padding: 60px 0;
    }

    .why-choose-grid {
        grid-template-columns: 1fr;
        gap: 18px;
    }

    .why-choose-card {
        padding: 1.5rem;
    }

    .why-choose-icon {
        width: 72px;
        height: 72px;
    }

    .why-choose-img {
        width: 42px;
        height: 42px;
    }
}

/* ==========================================================================
   Logo marquee
   ========================================================================== */
.logo-marquee-wrap {
    overflow: hidden;
}

.logo-marquee-track {
    display: flex;
    width: max-content;
    border-radius: 10px;
    gap: 20px;
    animation: logo-scroll 28s linear infinite;
}

.logo-marquee-wrap:hover .logo-marquee-track {
    animation-play-state: paused;
}

.logo-marquee-item {
    display: flex;
    align-items: center;
    padding: 10px;
    background-color: var(--background-color);
    mix-blend-mode: multiply;
    border-radius: var(--radius-sm);
    flex-shrink: 0;
    transition: transform .25s ease;
}

.logo-marquee-item:hover {
    transform: translateY(-4px);
}

.logo-marquee-item img {
    height: 90px;
    width: auto;

    display: block;
}

@keyframes logo-scroll {
    from { transform: translateX(0); }
    to { transform: translateX(-50%); }
}

/* respect reduced motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.001ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.001ms !important;
        scroll-behavior: auto !important;
    }
}

/* ==========================================================================
   Pick What You Need
   ========================================================================== */
.pick-section {
    padding: 90px 0 100px;
}

.pick-card {
    background: var(--background-color);
    border-radius: var(--radius-lg);
    padding: 36px 8px 20px 36px;
    height: 100%;
    transition: box-shadow .25s ease, transform .25s ease;
}

.pick-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.pick-card-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-right: 28px;
    margin-bottom: 8px;
}

.pick-card-head h3 {
    font-size: 22px;
}

.pick-card-count {
    font-size: 12px;
    font-weight: var(--font-weight-medium);
    color: var(--white-color);
    background: var(--gradient-accent);
    padding: 4px 12px;
    border-radius: var(--radius-pill);
}

.pick-row {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 18px 28px 18px 0;
    border-bottom: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    transition: background .2s ease, padding-left .2s ease;
}

.pick-row:last-child {
    border-bottom: none;
}

.pick-row:hover {
    background: var(--gradient-soft);
    padding-left: 8px;
}

.pick-icon {
    width: 46px;
    height: 46px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform .2s ease;
}

.pick-row:hover .pick-icon {
    transform: scale(1.07);
}

.pick-icon svg {
    width: 22px;
    height: 22px;
}

.pick-card.loans .pick-icon {
    background: rgba(var(--secondary-color-rgb), 0.12);
    color: var(--secondary-color);
}

.pick-card.insurance .pick-icon {
    background: rgba(var(--accent-blue-rgb), 0.12);
    color: var(--accent-blue);
}

.pick-row-body {
    flex: 1;
    min-width: 0;
}

.pick-row-body h4 {
    font-size: 16px;
    font-weight: var(--font-weight-semibold);
    margin-bottom: 3px;
}

.pick-row-body p {
    font-size: 13px;
    color: var(--text-color);
    margin: 0;
}

.pick-know-more {
    flex-shrink: 0;
    font-size: 13px;
    font-weight: var(--font-weight-medium);
    color: var(--secondary-color);
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.pick-know-more svg {
    width: 14px;
    height: 14px;
    transition: transform .2s ease;
}

.pick-row:hover .pick-know-more svg {
    transform: translateX(3px);
}

@media (max-width: 767px) {
    .pick-card {
        padding: 28px 20px;
    }

    .pick-row {
        flex-wrap: wrap;
        padding-right: 0;
    }

    .pick-know-more {
        margin-left: 62px;
    }
}

/* ==========================================================================
   How It Works
   ========================================================================== */
.htw-section {
    padding: 90px 0 100px;
}

.htw-header {
    text-align: center;
    margin-bottom: 70px;
}

.htw-timeline {
    position: relative;
    max-width: 980px;
    margin: 0 auto;
}

.htw-timeline::before {
    content: "";
    position: absolute;
    top: 6px;
    bottom: 6px;
    left: 50%;
    width: 1px;
    background: var(--border-color);
    transform: translateX(-50%);
}

.htw-step {
    position: relative;
    display: grid;
    grid-template-columns: 1fr 1fr;
    column-gap: 64px;
    padding: 34px 0;
}

.htw-step-content {
    grid-column: 1;
    text-align: right;
}

.htw-step:nth-child(even) .htw-step-content {
    grid-column: 2;
    text-align: left;
}

.htw-step-number {
    font-size: 40px;
    font-weight: var(--font-weight-semibold);
    background: var(--gradient-accent);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    line-height: var(--line-height-small);
    margin-bottom: 6px;
}

.htw-step-content h4 {
    margin-bottom: 10px;
}

.htw-step:nth-child(odd) .htw-step-content p {
    margin-left: auto;
}

.htw-dot {
    position: absolute;
    left: 50%;
    top: 34px;
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: var(--gradient-accent);
    border: 3px solid var(--tertiary-color);
    transform: translateX(-50%);
    z-index: 1;
}

@media (max-width: 767px) {
    .htw-timeline::before {
        left: 6px;
    }

    .htw-step,
    .htw-step:nth-child(even) .htw-step-content {
        grid-template-columns: 1fr;
        grid-column: 1;
        text-align: left;
        padding-left: 32px;
    }

    .htw-step-content {
        grid-column: 1;
        text-align: left;
    }

    .htw-step:nth-child(odd) .htw-step-content p {
        margin-left: 0;
    }

    .htw-dot {
        left: 6px;
    }
}

/* ==========================================================================
   Testimonials
   Previously used a hardcoded green (#F6FDF1) background — now built
   entirely from root gradient tokens.
   ========================================================================== */
.testi-section {
    position: relative;
    padding: 100px 0;
    background: var(--gradient-soft-strong), var(--background-color);
    overflow: hidden;
}

.testi-bg {
    position: absolute;
    width: 300px;
    bottom: 0;
    height: 400px;
    opacity: .9;
}

.testi-dots {
    position: absolute;
    left: -40px;
    bottom: -40px;
    width: 280px;
    height: 280px;
    background-image: radial-gradient(rgba(var(--secondary-color-rgb), 0.35) 2px, transparent 2px);
    background-size: 18px 18px;
    -webkit-mask-image: radial-gradient(circle at 30% 70%, black 0%, transparent 70%);
    mask-image: radial-gradient(circle at 30% 70%, black 0%, transparent 70%);
    pointer-events: none;
}

.testi-heading {
    margin-bottom: 18px;
}

.testi-desc {
    font-size: var(--font-size-small);
    color: var(--text-color);
    max-width: 380px;
    margin-bottom: 32px;
}

.testi-cta {
    display: inline-flex;
    align-items: center;
    gap: 14px;
}

.testi-cta-icon {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--gradient-accent);
    color: var(--white-color);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform .2s ease;
}

.testi-cta:hover .testi-cta-icon {
    transform: translate(2px, -2px);
}

.testi-cta-icon svg {
    width: 18px;
    height: 18px;
}

.testi-cta-label {
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
}

.testi-col {
    position: relative;
    height: 640px;
    overflow: hidden;
    -webkit-mask-image: linear-gradient(to bottom, transparent, black 10%, black 90%, transparent);
    mask-image: linear-gradient(to bottom, transparent, black 10%, black 90%, transparent);
}

.testi-track {
    display: flex;
    flex-direction: column;
    gap: 24px;
    animation: testi-scroll-up 26s linear infinite;
}

.testi-col.reverse .testi-track {
    animation-name: testi-scroll-down;
}

.testi-col:hover .testi-track {
    animation-play-state: paused;
}

@keyframes testi-scroll-up {
    from { transform: translateY(0); }
    to { transform: translateY(-50%); }
}

@keyframes testi-scroll-down {
    from { transform: translateY(-50%); }
    to { transform: translateY(0); }
}

.testi-card {
    background: var(--white-color);
    border-radius: var(--radius-md);
    padding: 28px 26px;
    box-shadow: var(--shadow-sm);
}

.testi-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
}

.testi-quote-icon {
    color: rgba(var(--secondary-color-rgb), 0.35);
}

.testi-quote-icon svg {
    width: 40px;
    height: 30px;
}

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

.testi-stars svg {
    width: 14px;
    height: 14px;
}

.testi-stars .filled {
    color: var(--secondary-color);
}

.testi-stars .empty {
    color: var(--border-color);
}

.testi-card p {
    font-style: italic;
    color: var(--heading-color);
    margin-bottom: 20px;
}

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

.testi-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--gradient-soft);
    color: var(--secondary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.testi-avatar svg {
    width: 20px;
    height: 20px;
}

.testi-person-name {
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
}

.testi-person-role {
    font-size: 14px;
    color: var(--text-color);
}

@media (max-width: 991px) {
    .testi-col {
        height: 560px;
        margin-top: 32px;
    }
}

@media (max-width: 767px) {
    .testi-col.reverse {
        display: none;
    }
}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-section {
    padding: 90px 0 100px;
}

.faq-heading {
    font-size: var(--font-size-h2);
    margin-bottom: 22px;
}

.faq-desc {
    font-size: var(--font-size-small);
    color: var(--text-color);
    max-width: 460px;
    margin-bottom: 36px;
}

.faq-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.faq-image img {
    width: 100%;
    height: 360px;
    object-fit: cover;
    display: block;
}

.faq-accordion .accordion-item {
    background: var(--white-color);
    border: none;
    border-radius: var(--radius-md) !important;
    box-shadow: var(--shadow-sm);
    margin-bottom: 16px;
    overflow: hidden;
}

.faq-accordion .accordion-button {
    background: var(--white-color);
    color: var(--heading-color);
    font-size: 17px;
    font-weight: var(--font-weight-semibold);
    padding: 24px 28px;
    box-shadow: none;
    display: flex;
    justify-content: space-between;
}

.faq-accordion .accordion-button::after {
    display: none;
    content: none;
}

.faq-accordion .accordion-button:not(.collapsed) {
    background: var(--white-color);
    color: var(--secondary-color);
}

.faq-accordion .accordion-button:focus {
    box-shadow: none;
}

.faq-toggle-icon {
    position: relative;
    width: 20px;
    height: 20px;
    flex-shrink: 0;
    margin-left: 20px;
}

.faq-toggle-icon::before,
.faq-toggle-icon::after {
    content: "";
    position: absolute;
    top: 50%;
    left: 50%;
    background: currentColor;
    transform: translate(-50%, -50%);
    transition: opacity .2s ease, transform .2s ease;
}

.faq-toggle-icon::before {
    width: 14px;
    height: 2px;
}

.faq-toggle-icon::after {
    width: 2px;
    height: 14px;
}

.accordion-button:not(.collapsed) .faq-toggle-icon::after {
    opacity: 0;
    transform: translate(-50%, -50%) rotate(90deg);
}

.faq-accordion .accordion-body {
    padding: 0 28px 26px;
    font-size: var(--font-size-small);
    color: var(--text-color);
    line-height: 1.75;
}

@media (max-width: 991px) {
    .faq-image {
        margin-bottom: 8px;
    }
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
    background: var(--gradient-dark);
    color: rgba(var(--white-color-rgb), 0.65);
    padding: 72px 0 0;
    position: relative;
    overflow: hidden;
}

.footer-logo {
    display: flex;
    align-items: center;
    justify-content: start;
}

.footer-logo img {
    width: 200px;
    margin-bottom: 20px;
}

.footer-about {
    font-size: var(--font-size-small);
    line-height: 1.7;
    max-width: 420px;
    margin-bottom: 24px;
    padding-right: 20px;
}

.footer-social {
    display: flex;
    gap: 10px;
}

.footer-social a {
    width: 38px;
    height: 38px;
    border-radius: var(--radius-sm);
    background: rgba(var(--white-color-rgb), 0.08);
    color: var(--white-color);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background .2s ease, color .2s ease;
}

.footer-social a:hover {
    background: var(--gradient-accent);
    color: var(--white-color);
}

.footer-social svg {
    width: 16px;
    height: 16px;
}

.footer-contact-item h5 {
    color: var(--white-color);
}

.footer-contact-item p,
.footer-contact-item a {
    color: rgba(var(--white-color-rgb), 0.65);
    font-size: var(--font-size-small);
    margin: 0;
}

.footer-contact-item a:hover {
    color: var(--secondary-color);
}

.footer-contact-col {
    border-left: 1px solid rgba(var(--white-color-rgb), 0.12);
    padding-left: 28px;
}

.footer-disclaimer {
    font-size: 12px;
    line-height: 1.8;
    color: rgba(var(--white-color-rgb), 0.4);
    padding: 28px 0 10px;
    border-top: 1px solid rgba(var(--white-color-rgb), 0.1);
    margin-top: 24px;
}

.footer-col-title {
    color: var(--white-color);
    font-weight: var(--font-weight-semibold);
    margin-bottom: 18px;
}

.footer-col a {
    display: block;
    color: rgba(var(--white-color-rgb), 0.6);
    font-size: var(--font-size-small);
    margin-bottom: 12px;
    transition: color .2s ease;
}

.footer-col a:hover {
    color: var(--secondary-color);
}

.footer-bottom {
    position: relative;
    border-top: 1px solid rgba(var(--white-color-rgb), 0.12);
    padding: 24px 0;
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    align-items: center;
    justify-content: space-between;
    font-size: 13px;
}

.footer-bottom-copy strong {
    color: rgba(var(--white-color-rgb), 0.85);
    font-weight: var(--font-weight-semibold);
}

.footer-bottom-links {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    align-items: center;
}

.footer-bottom-links a {
    color: rgba(var(--white-color-rgb), 0.6);
}

.footer-bottom-links a:hover {
    color: var(--secondary-color);
}

.footer-bottom-links .dot {
    width: 3px;
    height: 3px;
    border-radius: 50%;
    background: rgba(var(--white-color-rgb), 0.35);
}

.footer-credit {
    font-size: 12px;
    color: rgba(var(--white-color-rgb), 0.45);
}

.footer-credit a {
    color: rgba(var(--white-color-rgb), 0.7);
    font-weight: var(--font-weight-medium);
}

.footer-credit a:hover {
    color: var(--secondary-color);
}

.back-to-top {
    position: fixed;
    right: 18px;
    bottom: 18px;
    z-index: 9999;
    width: 44px;
    height: 44px;
    border: none;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gradient-accent);
    color: var(--white-color);
    box-shadow: var(--shadow-md);
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px) scale(.8);
    transition: opacity .35s ease, visibility .35s ease, transform .35s var(--ease-smooth), filter .2s ease;
}

.back-to-top.show {
    opacity: 1;
    visibility: visible;
    transform: translateY(0) scale(1);
}

.back-to-top:hover {
    filter: brightness(1.1);
}

.back-to-top svg {
    width: 18px;
    height: 18px;
}

@media (max-width: 991px) {
    .footer-contact-col {
        border-left: none;
        padding-left: 0;
        margin-top: 20px;
    }
}

@media (max-width: 767px) {
    .footer-bottom {
        flex-direction: column;
        align-items: flex-start;
        padding-right: 60px;
    }

    .back-to-top {
        bottom: 24px;
    }
}

/* ==========================================================================
   Responsive — global
   ========================================================================== */
@media (max-width: 991px) {
    .hero-media {
        min-height: 720px;
    }

    .hero-copy-panel {
        position: static;
        max-width: 100%;
        padding: 0 40px 40px;
    }

    .hero-content {
        position: static;
        padding: 0 40px 24px;
    }

    .about-heading {
        max-width: 100%;
        margin-bottom: 16px;
    }

    .stat-divider {
        display: none;
    }
}

@media (max-width: 767px) {
    .navbar .container-fluid {
        margin: 0 12px 12px 12px;
        padding: 14px 16px;
    }

    .about-section {
        padding: 64px 0 40px;
    }

    h2 {
        font-size: 2rem;
    }

    .hero-content h1 {
        letter-spacing: -0.01em;
    }

    .about-card {
        height: 320px;
    }

    .about-media-row .col-md-6:first-child {
        margin-bottom: 24px;
    }
}

@media (max-width: 575px) {
    .hero-content h1 {
        font-size: 34px;
    }

    .hero-content,
    .hero-copy-panel {
        padding-left: 20px;
        padding-right: 20px;
    }

    .hero-media {
        min-height: 780px;
    }

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

    .about-card {
        height: 280px;
    }

    .logo-marquee-item img {
        height: 56px;
    }
}

/* about */
    

        .page-header {
            position: relative;
            border-radius: var(--radius-lg);
            overflow: hidden;
            min-height: 500px;
            display: flex;
            align-items: flex-end;
            isolation: isolate;
        }

        .page-header img {
            position: absolute;
            inset: 0;
            width: 100%;
            height: 100%;
            object-fit: cover;
            z-index: -2;
        }

        .page-header::after {
            content: "";
            position: absolute;
            inset: 0;
            background: linear-gradient(90deg, rgba(var(--primary-color-rgb), 0.85) 0%, rgba(var(--primary-color-rgb), 0.55) 60%, rgba(var(--primary-color-rgb), 0.25) 100%);
            z-index: -1;
        }

        .page-header-content {
            padding: 48px 44px;
            max-width: 720px;
        }

        .page-header-content h1 {
            font-size: clamp(2rem, 5vw, 3rem);
            color: var(--white-color);
            line-height: 1.15;
            margin-bottom: 16px;
        }


        .breadcrumb-trail a {
            color: rgba(var(--white-color-rgb), 0.75);
        }

        .breadcrumb-trail a:hover {
            color: var(--white-color);
        }

        .breadcrumb-trail .current {
            color: var(--white-color);
        }

        .breadcrumb-trail svg {
            width: 14px;
            height: 14px;
        }

        @media (max-width: 575px) {
        }

        /* ==========================================================================
   About Page — Intro (image + floating stat + content)
   ========================================================================== */
        .about-intro-section {
            padding: 90px 0 70px;
            overflow: hidden;
        }

        .about-intro-media {
            position: relative;
        }

        .about-intro-media .media-frame {
            border-radius: var(--radius-lg);
            overflow: hidden;
        }

        .about-intro-media img {
            width: 100%;
            height: 100%;
            min-height: 480px;
            object-fit: cover;
            display: block;
        }

        .about-float-card {
            position: absolute;
            left: -20px;
            bottom: -24px;
            background: var(--gradient-accent);
            color: var(--white-color);
            padding: 24px 28px;
            border-radius: var(--radius-md);
            box-shadow: var(--shadow-lg);
        }

        .about-float-card .float-number {
            font-family: var(--font-family-heading);
            font-size: 40px;
            font-weight: var(--font-weight-semibold);
            line-height: 1;
        }

        .about-float-card .float-label {
            font-size: 13px;
            font-weight: var(--font-weight-medium);
            text-decoration: underline;
            text-underline-offset: 4px;
            opacity: .9;
        }

        .about-intro-copy .section-desc {
            background: var(--background-color);
            padding: 20px 24px;
            border-radius: var(--radius-md);
            margin-top: 20px;
        }

        .feature-highlight-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin: 32px 0 24px;
        }

        .feature-highlight {
            display: flex;
            align-items: flex-start;
            gap: 16px;
        }

        .feature-highlight-icon {
            width: 56px;
            height: 56px;
            border-radius: var(--radius-sm);
            background: var(--gradient-accent);
            color: var(--white-color);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .feature-highlight-icon svg {
            width: 24px;
            height: 24px;
        }

        .feature-highlight h4 {
            font-size: 16px;
            margin: 0;
            line-height: 1.4;
        }

        .checklist {
            display: flex;
            flex-wrap: wrap;
            gap: 20px;
            margin-bottom: 28px;
            padding: 0;
            list-style: none;
        }

        .checklist li {
            display: flex;
            align-items: center;
            gap: 8px;
            font-size: 15px;
            font-weight: var(--font-weight-medium);
            color: var(--heading-color);
        }

        .checklist svg {
            width: 18px;
            height: 18px;
            color: var(--secondary-color);
            flex-shrink: 0;
        }



        .avatar-stack img {
            width: 40px;
            height: 40px;
            border-radius: 50%;
            object-fit: cover;
            border: 3px solid var(--white-color);
            margin-left: -12px;
        }

        .avatar-stack img:first-child {
            margin-left: 0;
        }


        @media (max-width: 991px) {
            .about-float-card {
                left: 20px;
            }

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

            .about-intro-copy {
                margin-top: 56px;
            }
        }

        /* ==========================================================================
   About Page — Mission & Vision
   ========================================================================== */
        .mission-vision-section {
            padding: 90px 0;
            background: var(--background-color);
        }

        .mission-vision-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 24px;
        }

        .mv-card {
            background: var(--white-color);
            border-radius: var(--radius-lg);
            padding: 40px;
            position: relative;
            overflow: hidden;
        }

        .mv-card-icon {
            width: 64px;
            height: 64px;
            border-radius: var(--radius-sm);
            background: var(--gradient-soft);
            color: var(--secondary-color);
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 24px;
        }

        .mv-card-icon svg {
            width: 30px;
            height: 30px;
        }

        .mv-card h3 {
            margin-bottom: 14px;
        }

        .mv-card p {
            color: var(--text-color);
            font-size: var(--font-size-small);
            margin: 0;
        }

        .mv-card.mv-vision {
            background: var(--gradient-dark);
        }

        .mv-card.mv-vision h3,
        .mv-card.mv-vision p {
            color: var(--white-color);
        }

        .mv-card.mv-vision p {
            color: rgba(var(--white-color-rgb), 0.75);
        }

        .mv-card.mv-vision .mv-card-icon {
            background: rgba(var(--white-color-rgb), 0.1);
            color: var(--white-color);
        }

        @media (max-width: 767px) {
            .mission-vision-grid {
                grid-template-columns: 1fr;
            }

            .mv-card {
                padding: 28px;
            }
        }

        /* ==========================================================================
   About Page — Values (reuses the why-choose-card component)
   ========================================================================== */
        .values-section {
            padding: 90px 0 100px;
        }

        .values-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 24px;
        }

        @media (max-width: 991px) {
            .values-grid {
                grid-template-columns: repeat(2, 1fr);
            }
        }

        @media (max-width: 575px) {
            .values-grid {
                grid-template-columns: 1fr;
                gap: 18px;
            }
        }


        .blog-section {
            padding: 90px 0 100px;
            background: var(--background-color);
        }

        .blog-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 28px;
        }

        .blog-card {
            background: var(--white-color);
            border-radius: var(--radius-md);
            overflow: hidden;
            display: flex;
            padding: var(--padding-4);
            flex-direction: column;
            transition: transform .3s ease, box-shadow .3s ease;
        }

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

        .blog-media {
            height: 220px;
            overflow: hidden;
            overflow:hidden;
                        border-radius: var(--radius-sm);

        }

        .blog-media img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            display: block;
            transition: transform .5s ease;
        }

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

        .blog-body {
            padding: 26px 24px 28px;
            display: flex;
            flex-direction: column;
            flex: 1;
        }

        .blog-meta {
            display: flex;
            align-items: center;
            gap: 16px;
            font-size: 13px;
            color: var(--text-color);
            margin-bottom: 14px;
        }

        .blog-meta span {
            display: inline-flex;
            align-items: center;
            gap: 6px;
        }

        .blog-meta svg {
            width: 15px;
            height: 15px;
            color: var(--secondary-color);
        }

        .blog-body h3 {
            font-size: 19px;
            line-height: 1.35;
            margin-bottom: 12px;
        }

        .blog-body p {
            font-size: 14px;
            color: var(--text-color);
            line-height: 1.7;
            margin-bottom: 20px;
            flex: 1;
        }

        .btn-blog-readmore {
            align-self: flex-start;
            background: var(--gradient-soft);
            color: var(--primary-color);
            border: none;
            border-radius: var(--radius-pill);
            padding: 10px 22px;
            font-size: 14px;
            font-weight: var(--font-weight-semibold);
            transition: background .25s ease, color .25s ease, transform .25s ease;
        }

        .btn-blog-readmore:hover {
            background: var(--gradient-accent);
            color: var(--white-color);
            transform: translateY(-2px);
        }

        @media (max-width: 991px) {
            .blog-grid {
                grid-template-columns: repeat(2, 1fr);
            }
        }

        @media (max-width: 575px) {
            .blog-grid {
                grid-template-columns: 1fr;
            }
        }


        /* contact */


 
        /* ---------- We're Here To Help ---------- */
        .help-section {
            padding: 96px 0;
        }

        .help-section h2 {
            font-size: var(--font-size-h2);
            margin-bottom: 18px;
        }

        .help-text {
            font-size: 16px;
            color: var(--text-color);
            max-width: 420px;
            margin-bottom: 40px;
        }

        .help-image {
            border-radius: var(--radius-lg);
            overflow: hidden;
            box-shadow: var(--shadow-sm);
        }

        .help-image img {
            width: 100%;
            height: 280px;
            object-fit: cover;
            display: block;
        }

        .contact-form-card {
            background: var(--background-color);
            border-radius: var(--radius-lg);
            padding: 40px;
        }

        .form-control-custom {
            width: 100%;
            border: none;
            border-radius: var(--radius-sm);
            background: var(--white-color);
            padding: 16px 18px;
            font-family: var(--font-family);
            font-size: 15px;
            color: var(--heading-color);
            margin-bottom: 20px;
            box-shadow: var(--shadow-sm);
        }

        .form-control-custom::placeholder {
            color: var(--text-color);
        }

        .form-control-custom:focus {
            outline: none;
            box-shadow: 0 0 0 3px rgba(var(--secondary-color-rgb), 0.25);
        }

        textarea.form-control-custom {
            min-height: 150px;
            resize: vertical;
            margin-bottom: 28px;
        }


        .btn-send:hover {
            color: var(--white-color);
            box-shadow: var(--shadow-md);
            transform: translateY(-1px);
        }

        /* ---------- Contact details ---------- */
        .details-section {
                       padding: 90px 0 100px;

        }

        .details-section h2 {
            margin-bottom: 40px;
        }

        .detail-card {
            background: var(--white-color);
            border-radius: var(--radius-md);
            padding: 40px 28px;
            text-align: center;
            height: 100%;
            box-shadow: var(--shadow-sm);
            transition: transform .25s var(--ease-smooth), box-shadow .25s var(--ease-smooth);
            -webkit-border-radius: var(--radius-md);
            -moz-border-radius: var(--radius-md);
            -ms-border-radius: var(--radius-md);
            -o-border-radius: var(--radius-md);
}

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

        .detail-icon {
            width: 60px;
            height: 60px;
            border-radius: 50%;
            background: var(--gradient-accent);
            color: var(--white-color);
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
        }

        .detail-icon svg {
            width: 24px;
            height: 24px;
        }

        .detail-card h3 {
            font-size: 18px;
            margin-bottom: 10px;
        }

        .detail-card p {
            font-size: 14px;
            color: var(--text-color);
            margin: 0;
            line-height: 1.6;
        }

        .detail-card.active {
            background: var(--gradient-accent);
        }

        .detail-card.active h3,
        .detail-card.active p {
            color: var(--white-color);
        }

        .detail-card.active p {
            color: rgba(var(--white-color-rgb), 0.85);
        }

        .detail-card.active .detail-icon {
            background: var(--white-color);
            color: var(--secondary-color);
        }

        /* ---------- Map ---------- */
        .map-section {
                       padding: 90px 0 100px;

        }

        .map-frame {
            border-radius: var(--radius-lg);
            overflow: hidden;
            box-shadow: var(--shadow-sm);
            line-height: 0;
        }

        .map-frame iframe {
            width: 100%;
            height: 420px;
            border: 0;
            display: block;
        }

        /* ---------- Footer ---------- */
        .site-footer {
            background: var(--primary-color);
            color: rgba(var(--white-color-rgb), 0.65);
            padding: 72px 0 0;
            position: relative;
            overflow: hidden;
        }

        .site-footer .container {
            max-width: 1320px;
            margin: 0 auto;
            padding: 0 24px;
        }

        .footer-logo {
            display: flex;
            align-items: center;
            gap: 8px;
            font-family: var(--font-family-heading);
            font-size: 22px;
            font-weight: var(--font-weight-semibold);
            color: var(--white-color);
            margin-bottom: 18px;
        }

        .footer-logo svg {
            width: 24px;
            height: 24px;
            color: var(--secondary-color);
        }

        .footer-about {
            font-size: 14px;
            line-height: 1.75;
            max-width: 340px;
            margin-bottom: 24px;
        }

        .footer-social {
            display: flex;
            gap: 10px;
            margin-bottom: 8px;
        }

        .footer-social a {
            width: 38px;
            height: 38px;
            border-radius: var(--radius-sm);
            background: rgba(var(--white-color-rgb), 0.08);
            color: var(--white-color);
            display: flex;
            align-items: center;
            justify-content: center;
            transition: background .2s ease, color .2s ease;
        }

        .footer-social a:hover {
            background: var(--secondary-color);
            color: var(--primary-color);
        }

        .footer-social svg {
            width: 16px;
            height: 16px;
        }

        .footer-contact-item h5 {
            color: var(--white-color);
            font-size: 15px;
            font-weight: var(--font-weight-semibold);
            margin-bottom: 8px;
        }

        .footer-contact-item p {
            color: rgba(var(--white-color-rgb), 0.65);
            font-size: 14px;
            margin: 0;
        }

        .footer-contact-col {
            border-left: 1px solid rgba(var(--white-color-rgb), 0.12);
            padding-left: 28px;
        }

        hr.footer-disclaimer {
            border: none;
            border-top: 1px solid rgba(var(--white-color-rgb), 0.12);
            margin: 32px 0 0;
        }

        .footer-links-row {
            padding: 40px 0 8px;
        }

        .footer-col-title {
            color: var(--white-color);
            font-size: 16px;
            font-weight: var(--font-weight-semibold);
            margin-bottom: 18px;
        }

        .footer-col a {
            display: block;
            color: rgba(var(--white-color-rgb), 0.6);
            font-size: 14px;
            margin-bottom: 12px;
        }

        .footer-col a:hover {
            color: var(--secondary-color);
        }

        p.footer-disclaimer {
            font-size: 12px;
            line-height: 1.8;
            color: rgba(var(--white-color-rgb), 0.4);
            max-width: 1100px;
            padding: 28px 0 10px;
            border-top: 1px solid rgba(var(--white-color-rgb), 0.1);
            margin-top: 24px;
        }

        .footer-bottom {
            border-top: 1px solid rgba(var(--white-color-rgb), 0.12);
            padding: 24px 0;
            display: flex;
            flex-wrap: wrap;
            gap: 12px;
            align-items: center;
            justify-content: space-between;
            font-size: 13px;
        }

        .footer-bottom-copy strong {
            color: rgba(var(--white-color-rgb), 0.85);
        }

        .footer-bottom-links {
            display: flex;
            gap: 8px;
            flex-wrap: wrap;
            align-items: center;
        }

        .footer-bottom-links a {
            color: rgba(var(--white-color-rgb), 0.6);
        }

        .footer-bottom-links a:hover {
            color: var(--secondary-color);
        }

        .footer-bottom-links .dot {
            width: 3px;
            height: 3px;
            border-radius: 50%;
            background: rgba(var(--white-color-rgb), 0.35);
        }

        .footer-credit {
            font-size: 12px;
            color: rgba(var(--white-color-rgb), 0.45);
        }

        .footer-credit a {
            color: rgba(var(--white-color-rgb), 0.7);
            font-weight: var(--font-weight-medium);
        }

        .footer-credit a:hover {
            color: var(--secondary-color);
        }

        /* ---------- Back to top ---------- */
        .back-to-top {
            position: fixed;
            right: 24px;
            bottom: 24px;
            width: 46px;
            height: 46px;
            background: var(--gradient-accent);
            color: var(--white-color);
            border: none;
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            box-shadow: var(--shadow-md);
            opacity: 0;
            visibility: hidden;
            transform: translateY(10px);
            transition: opacity .25s ease, transform .25s ease, visibility .25s ease;
            z-index: 50;
        }

        .back-to-top.show {
            opacity: 1;
            visibility: visible;
            transform: translateY(0);
        }

        .back-to-top svg {
            width: 18px;
            height: 18px;
        }

        @media (max-width: 991px) {
            .footer-contact-col {
                border-left: none;
                padding-left: 0;
                margin-top: 20px;
            }

            .page-header-content {
                padding: 40px 32px;
            }
        }

        @media (max-width: 767px) {
            .navbar .container-fluid {
                padding: 0 20px;
            }

            .page-header-wrap .container-fluid {
                padding: 0 20px;
            }

            .page-header-content h1 {
                font-size: 30px;
            }

            .contact-form-card {
                padding: 26px;
            }
        }

        /* loan */


         /* ---------- 4-step wizard form ---------- */
        .wizard-card {
            background: var(--white-color);
            border-radius: var(--radius-lg);
            box-shadow: var(--shadow-md);
            padding: 40px;
        }

        .wizard-progress {
            margin-bottom: 32px;
        }

        .wizard-progress-top {
            display: flex;
            align-items: baseline;
            justify-content: space-between;
            margin-bottom: 12px;
            gap: 10px;
        }

        .wizard-step-label {
            font-family: var(--font-family-heading);
            font-size: 14px;
            font-weight: var(--font-weight-semibold);
            color: var(--secondary-color);
            letter-spacing: .02em;
        }

        .wizard-step-name {
            font-family: var(--font-family);
            font-size: 14px;
            font-weight: var(--font-weight-medium);
            color: var(--text-color);
        }

        .wizard-progress-bar-track {
            height: 8px;
            border-radius: var(--radius-pill);
            background: var(--tertiary-color);
            overflow: hidden;
        }

        .wizard-progress-bar-track .progress-bar {
            background: var(--secondary-color);
            border-radius: var(--radius-pill);
            transition: width .45s var(--ease-smooth);
        }

        .form-step {
            display: none;
        }

        .form-step.active {
            display: block;
            animation: wizardStepIn .45s var(--ease-smooth);
        }

        @keyframes wizardStepIn {
            from {
                opacity: 0;
                transform: translateX(16px);
            }

            to {
                opacity: 1;
                transform: translateX(0);
            }
        }

        .wizard-step-title {
            font-family: var(--font-family-heading);
            font-size: 22px;
            font-weight: var(--font-weight-semibold);
            color: var(--heading-color);
            margin-bottom: 24px;
        }

        .wizard-card .form-label {
            font-family: var(--font-family);
            font-size: 14px;
            font-weight: var(--font-weight-medium);
            color: var(--heading-color);
            margin-bottom: 7px;
        }

        .wizard-card .form-control,
        .wizard-card .form-select {
            font-family: var(--font-family);
            font-size: 15px;
            color: var(--heading-color);
            border: 1px solid var(--border-color);
            border-radius: var(--radius-sm);
            padding: 12px 14px;
            background-color: var(--white-color);
            transition: border-color .2s ease, box-shadow .2s ease;
        }

        .wizard-card .input-group-text {
            border: 1px solid var(--border-color);
            border-right: none;
            background: var(--tertiary-color);
            color: var(--secondary-color);
            font-weight: var(--font-weight-medium);
            border-radius: var(--radius-sm) 0 0 var(--radius-sm);
        }

        .wizard-card .form-control:focus,
        .wizard-card .form-select:focus {
            border-color: var(--secondary-color);
            box-shadow: 0 0 0 4px rgba(var(--secondary-color-rgb), 0.12);
            outline: none;
        }

        .wizard-card .form-control.is-invalid,
        .wizard-card .form-select.is-invalid {
            border-color: #d64545;
            background-image: none;
        }

        .wizard-card .form-control.is-valid,
        .wizard-card .form-select.is-valid {
            border-color: var(--secondary-color);
            background-image: none;
        }

        .wizard-card .invalid-feedback {
            font-size: 13px;
        }

        .wizard-consent {
            margin-top: 28px;
            padding-top: 24px;
            border-top: 1px solid var(--border-color);
            display: flex;
            flex-direction: column;
            gap: 14px;
        }

        .wizard-consent .form-check {
            padding-left: 1.9em;
        }

        .wizard-consent .form-check-input {
            width: 1.2em;
            height: 1.2em;
            margin-top: 0.2em;
            margin-left: -1.9em;
            border: 1px solid var(--border-color);
        }

        .wizard-consent .form-check-input:checked {
            background-color: var(--secondary-color);
            border-color: var(--secondary-color);
        }

        .wizard-consent .form-check-input:focus {
            border-color: var(--secondary-color);
            box-shadow: 0 0 0 4px rgba(var(--secondary-color-rgb), 0.12);
        }

        .wizard-consent .form-check-label {
            font-family: var(--font-family);
            font-size: 14px;
            color: var(--text-color);
            line-height: 1.55;
        }

        .summary-group {
            margin-bottom: 26px;
        }

        .summary-group-title {
            font-family: var(--font-family-heading);
            font-size: 13px;
            font-weight: var(--font-weight-semibold);
            text-transform: uppercase;
            letter-spacing: .04em;
            color: var(--secondary-color);
            padding-bottom: 10px;
            margin-bottom: 4px;
            border-bottom: 1px solid var(--border-color);
        }

        .summary-list {
            margin: 0;
        }

        .summary-row {
            display: flex;
            align-items: baseline;
            justify-content: space-between;
            gap: 16px;
            padding: 10px 0;
            border-bottom: 1px dashed var(--border-color);
            font-family: var(--font-family);
        }

        .summary-row:last-child {
            border-bottom: none;
        }

        .summary-row dt {
            font-size: 14px;
            color: var(--text-color);
        }

        .summary-row dd {
            margin: 0;
            font-size: 14px;
            font-weight: var(--font-weight-semibold);
            color: var(--heading-color);
            text-align: right;
        }

        .wizard-nav {
            display: flex;
            align-items: center;
            justify-content: space-between;
            margin-top: 32px;
            padding-top: 24px;
            border-top: 1px solid var(--border-color);
        }

        .btn-wizard-prev {
            background: transparent;
            color: var(--heading-color);
            border: 1px solid var(--border-color);
            border-radius: var(--radius-pill);
            padding: 12px 24px;
            font-family: var(--font-family-heading);
            font-size: 15px;
            font-weight: var(--font-weight-medium);
            transition: background .2s ease, border-color .2s ease;
        }

        .btn-wizard-prev:hover {
            background: var(--tertiary-color);
            border-color: var(--secondary-color);
            color: var(--secondary-color);
        }

        .btn-wizard-next,
        .btn-wizard-submit {
            background: var(--secondary-color);
            color: var(--white-color);
            border: none;
            border-radius: var(--radius-pill);
            padding: 12px 30px;
            font-family: var(--font-family-heading);
            font-size: 15px;
            font-weight: var(--font-weight-medium);
            margin-left: auto;
            transition: background .2s ease, transform .2s ease, box-shadow .2s ease;
        }

        .btn-wizard-next:hover,
        .btn-wizard-submit:hover:not(:disabled) {
            background: var(--primary-color);
            transform: translateY(-2px);
            box-shadow: var(--shadow-sm);
        }

        .btn-wizard-submit {
            width: 100%;
            padding: 15px 30px;
            font-size: 16px;
        }

        .btn-wizard-submit:disabled {
            opacity: .5;
            cursor: not-allowed;
            transform: none;
            box-shadow: none;
        }

        .wizard-success {
            text-align: center;
            padding: 30px 10px 10px;
        }

        .wizard-success-icon {
            width: 64px;
            height: 64px;
            border-radius: 50%;
            background: var(--secondary-color);
            color: var(--white-color);
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 28px;
            margin: 0 auto 22px;
        }

        .wizard-success h5 {
            font-size: 22px;
            margin-bottom: 10px;
        }

        .wizard-success p {
            font-family: var(--font-family);
            font-size: 15px;
            color: var(--text-color);
            max-width: 360px;
            margin: 0 auto;
        }

        @media (max-width: 767px) {
            .wizard-card {
                padding: 26px 20px;
            }

            .section-heading h2 {
                font-size: 1.9rem;
            }

            .wizard-nav {
                flex-wrap: wrap;
                gap: 12px;
            }

            .btn-wizard-prev,
            .btn-wizard-next {
                flex: 1;
                text-align: center;
            }
        }

           /* ---------- Eligibility / Documents info cards ---------- */
        .info-cards-section {
            padding: 20px 0 100px;
        }

        .info-cards-head {
            max-width: 640px;
            margin: 0 auto 44px;
            text-align: center;
        }

        .info-card {
            background: var(--white-color);
            border: 1px solid var(--border-color);
            border-radius: var(--radius-lg);
            padding: 36px 32px;
            height: 100%;
            transition: transform .3s var(--ease-smooth), box-shadow .3s ease, border-color .3s ease;
        }

        .info-card:hover {
            transform: translateY(-6px);
            box-shadow: var(--shadow-md);
            border-color: transparent;
        }

        .info-card-icon {
            width: 52px;
            height: 52px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            background: var(--tertiary-color);
            color: var(--secondary-color);
            margin-bottom: 22px;
        }

        .info-card-icon svg {
            width: 24px;
            height: 24px;
        }

        .info-card h3 {
            font-size: 24px;
            margin-bottom: 18px;
        }

        .info-list {
            list-style: none;
            margin: 0;
            padding: 0;
            display: flex;
            flex-direction: column;
            gap: 16px;
        }

        .info-list li {
            display: flex;
            align-items: flex-start;
            gap: 12px;
            font-family: var(--font-family);
            font-size: 15px;
            color: var(--text-color);
            line-height: 1.55;
        }

        .info-list li svg {
            flex-shrink: 0;
            width: 16px;
            height: 16px;
            padding: 6px;
            box-sizing: content-box;
            border-radius: 50%;
            background: rgba(var(--secondary-color-rgb), 0.12);
            color: var(--secondary-color);
            margin-top: 1px;
        }

        .info-list li .info-note {
            display: block;
            font-size: 13px;
            color: rgba(var(--text-color-rgb), 0.85);
            margin-top: 3px;
        }

        .info-check-note {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            margin-top: 24px;
            padding: 10px 16px;
            background: var(--tertiary-color);
            border-radius: var(--radius-sm);
            font-family: var(--font-family);
            font-size: 13px;
            color: var(--secondary-color);
            font-weight: var(--font-weight-medium);
        }

        @media (max-width: 991px) {
            .info-card {
                margin-bottom: 24px;
            }
        }

        @media (max-width: 575px) {
            .info-card {
                padding: 28px 22px;
            }
        }

        /*  */

        /* =========================================================
   Compare & Calculators page
   Builds on the shared variables in assets/css/index.css
   (colors, radii, shadows, fonts) — this file only adds the
   components specific to this page.
========================================================= */

.cc-section-pad {
    padding: 90px 0;
}

.cc-badge {
    display: inline-block;
    background: var(--tertiary-color);
    color: var(--secondary-color);
    font-family: var(--font-family);
    font-size: 13px;
    font-weight: var(--font-weight-semibold);
    letter-spacing: .03em;
    text-transform: uppercase;
    padding: 6px 18px;
    border-radius: var(--radius-pill);
    margin-bottom: 16px;
}

.cc-section-head {
    max-width: 640px;
    margin: 0 auto 48px;
    text-align: center;
}

.cc-section-head h2 {
    font-size: 2.375rem;
}

.cc-section-head p {
    font-family: var(--font-family);
    font-size: 1.125rem;
    color: var(--text-color);
    margin-top: 14px;
}

/* ---------- Gradient buttons ---------- */
.btn-cc-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: linear-gradient(135deg, var(--secondary-color), #0c7d57);
    color: var(--white-color);
    border: none;
    border-radius: var(--radius-pill);
    padding: 14px 30px;
    font-family: var(--font-family-heading);
    font-size: 15px;
    font-weight: var(--font-weight-medium);
    transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
}

.btn-cc-primary:hover {
    color: var(--white-color);
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.btn-cc-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: rgba(var(--white-color-rgb), 0.06);
    color: var(--white-color);
    border: 1px solid rgba(var(--white-color-rgb), 0.5);
    border-radius: var(--radius-pill);
    padding: 14px 28px;
    font-family: var(--font-family-heading);
    font-size: 15px;
    font-weight: var(--font-weight-medium);
    transition: background .25s ease, transform .25s ease, border-color .25s ease;
}

.btn-cc-outline:hover {
    color: var(--white-color);
    background: rgba(var(--white-color-rgb), 0.16);
    border-color: var(--white-color);
    transform: translateY(-3px);
}

.btn-cc-outline-dark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: transparent;
    color: var(--heading-color);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-pill);
    padding: 14px 28px;
    font-family: var(--font-family-heading);
    font-size: 15px;
    font-weight: var(--font-weight-medium);
    transition: background .25s ease, border-color .25s ease, color .25s ease, transform .25s ease;
}

.btn-cc-outline-dark:hover {
    background: var(--tertiary-color);
    border-color: var(--secondary-color);
    color: var(--secondary-color);
    transform: translateY(-3px);
}

/* ---------- Hero ---------- */
.cc-hero {
    background: linear-gradient(160deg, var(--primary-color) 0%, #0e1a2e 100%);
    padding: 150px 0 130px;
    position: relative;
    overflow: hidden;
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}

.cc-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 85% 20%, rgba(var(--secondary-color-rgb), 0.28), transparent 55%);
    pointer-events: none;
}

.cc-hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(var(--white-color-rgb), 0.1);
    border: 1px solid rgba(var(--white-color-rgb), 0.35);
    color: var(--white-color);
    font-family: var(--font-family);
    font-size: 13px;
    font-weight: var(--font-weight-medium);
    padding: 7px 18px;
    border-radius: var(--radius-pill);
    margin-bottom: 22px;
}

.cc-hero h1 {
    color: var(--white-color);
    font-size: clamp(2.25rem, 4.2vw, 3.5rem);
    line-height: 1.15;
    letter-spacing: -0.01em;
    margin-bottom: 20px;
}

.cc-hero p {
    font-family: var(--font-family);
    color: rgba(var(--white-color-rgb), 0.82);
    font-size: 1.15rem;
    max-width: 480px;
    margin-bottom: 32px;
}

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

.cc-hero-media {
    position: relative;
    isolation: isolate;
}

.cc-hero-media img {
    width: 100%;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    position: relative;
    z-index: 1;
}

.cc-float-card {
    position: absolute;
    background: var(--white-color);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    padding: 16px 20px;
    display: flex;
    align-items: center;
    gap: 12px;
    z-index: 2;
    animation: cc-float 4s ease-in-out infinite;
}

.cc-float-card .cc-float-icon {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--tertiary-color);
    color: var(--secondary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    flex-shrink: 0;
}

.cc-float-card .cc-float-label {
    font-family: var(--font-family);
    font-size: 12px;
    color: var(--text-color);
    margin: 0;
}

.cc-float-card .cc-float-value {
    font-family: var(--font-family-heading);
    font-size: 16px;
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
    margin: 0;
    line-height: 1.2;
}

.cc-float-card.cc-float-top {
    top: -22px;
    left: -24px;
    animation-delay: 0s;
}

.cc-float-card.cc-float-bottom {
    bottom: -22px;
    right: -24px;
    animation-delay: 1.2s;
}

@keyframes cc-float {

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

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

@media (max-width: 991px) {
    .cc-hero {
        padding: 130px 0 90px;
        text-align: center;
    }

    .cc-hero p {
        margin-left: auto;
        margin-right: auto;
    }

    .cc-hero-btns {
        justify-content: center;
    }

    .cc-hero-media {
        margin-top: 56px;
        max-width: 420px;
        margin-left: auto;
        margin-right: auto;
    }
}

@media (max-width: 575px) {
    .cc-float-card {
        padding: 12px 14px;
        gap: 10px;
    }

    .cc-float-card.cc-float-top {
        top: -16px;
        left: -12px;
    }

    .cc-float-card.cc-float-bottom {
        bottom: -16px;
        right: -12px;
    }

    .cc-float-value {
        font-size: 14px !important;
    }
}

/* ---------- Calculator cards (shared) ---------- */
.calc-card {
    background: var(--white-color);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: 44px;
    border: 1px solid var(--border-color);
}

.calc-card-title {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 32px;
}

.calc-card-title .calc-icon {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--tertiary-color);
    color: var(--secondary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
}

.calc-card-title h3 {
    font-size: 22px;
    margin: 0;
}

.calc-input-group {
    margin-bottom: 26px;
}

.calc-input-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 10px;
}

.calc-input-top label {
    font-family: var(--font-family-heading);
    font-size: 14px;
    font-weight: var(--font-weight-medium);
    color: var(--heading-color);
}

.calc-input-number {
    display: flex;
    align-items: center;
    gap: 4px;
    background: var(--tertiary-color);
    border-radius: var(--radius-sm);
    padding: 4px 4px 4px 12px;
}

.calc-input-number span {
    font-family: var(--font-family);
    font-size: 13px;
    color: var(--secondary-color);
    font-weight: var(--font-weight-semibold);
}

.calc-input-number input {
    width: 108px;
    border: none;
    background: transparent;
    font-family: var(--font-family-heading);
    font-size: 15px;
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
    padding: 8px 6px;
    text-align: right;
}

.calc-input-number input:focus {
    outline: none;
}

/* range slider */
.calc-range {
    width: 100%;
    height: 6px;
    border-radius: var(--radius-pill);
    background: var(--tertiary-color);
    outline: none;
    -webkit-appearance: none;
    appearance: none;
    accent-color: var(--secondary-color);
}

.calc-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--secondary-color);
    border: 3px solid var(--white-color);
    box-shadow: 0 2px 8px rgba(var(--secondary-color-rgb), 0.4);
    cursor: pointer;
    margin-top: -1px;
}

.calc-range::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--secondary-color);
    border: 3px solid var(--white-color);
    box-shadow: 0 2px 8px rgba(var(--secondary-color-rgb), 0.4);
    cursor: pointer;
}

.calc-range-scale {
    display: flex;
    justify-content: space-between;
    font-family: var(--font-family);
    font-size: 12px;
    color: rgba(var(--text-color-rgb), 0.7);
    margin-top: 6px;
}

/* EMI result panel */
.emi-results {
    background: var(--tertiary-color);
    border-radius: var(--radius-md);
    padding: 28px;
    margin-top: 10px;
}

.emi-result-hero {
    text-align: center;
    padding-bottom: 22px;
    margin-bottom: 22px;
    border-bottom: 1px dashed var(--border-color);
}

.emi-result-hero .emi-label {
    font-family: var(--font-family);
    font-size: 14px;
    color: var(--text-color);
    margin-bottom: 6px;
}

.emi-result-hero .emi-value {
    font-family: var(--font-family-heading);
    font-size: 2.25rem;
    font-weight: var(--font-weight-semibold);
    color: var(--secondary-color);
}

.emi-result-row {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 10px 0;
    font-family: var(--font-family);
}

.emi-result-row dt {
    font-size: 14px;
    color: var(--text-color);
}

.emi-result-row dd {
    margin: 0;
    font-size: 15px;
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
    font-family: var(--font-family-heading);
}

.repay-chart {
    margin-top: 20px;
}

.repay-bar-track {
    display: flex;
    width: 100%;
    height: 12px;
    border-radius: var(--radius-pill);
    overflow: hidden;
    background: var(--border-color);
}

.repay-bar-principal {
    background: var(--secondary-color);
    height: 100%;
    transition: width .5s var(--ease-smooth);
}

.repay-bar-interest {
    background: var(--accent-blue);
    height: 100%;
    transition: width .5s var(--ease-smooth);
}

.repay-legend {
    display: flex;
    gap: 22px;
    margin-top: 14px;
    flex-wrap: wrap;
}

.repay-legend-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-family);
    font-size: 13px;
    color: var(--text-color);
}

.repay-legend-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
}

.repay-legend-dot.principal {
    background: var(--secondary-color);
}

.repay-legend-dot.interest {
    background: var(--accent-blue);
}

/* ---------- Eligibility checker ---------- */
.eligibility-form label {
    font-family: var(--font-family-heading);
    font-size: 14px;
    font-weight: var(--font-weight-medium);
    color: var(--heading-color);
    margin-bottom: 7px;
}

.eligibility-form .form-control,
.eligibility-form .form-select {
    font-family: var(--font-family);
    font-size: 15px;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    padding: 12px 14px;
    transition: border-color .2s ease, box-shadow .2s ease;
}

.eligibility-form .form-control:focus,
.eligibility-form .form-select:focus {
    border-color: var(--secondary-color);
    box-shadow: 0 0 0 4px rgba(var(--secondary-color-rgb), 0.12);
}

.eligibility-form .form-control.is-invalid {
    border-color: #d64545;
}

.eligibility-result {
    margin-top: 30px;
    display: none;
}

.eligibility-result.is-visible {
    display: block;
    animation: wizardStepIn .5s var(--ease-smooth);
}

.eligibility-success-card {
    background: linear-gradient(135deg, rgba(var(--secondary-color-rgb), 0.12), rgba(var(--secondary-color-rgb), 0.04));
    border: 1px solid rgba(var(--secondary-color-rgb), 0.3);
    border-radius: var(--radius-md);
    padding: 26px 28px;
    text-align: center;
}

.eligibility-success-card .elig-label {
    font-family: var(--font-family);
    font-size: 14px;
    color: var(--secondary-color);
    font-weight: var(--font-weight-medium);
    margin-bottom: 8px;
}

.eligibility-success-card .elig-value {
    font-family: var(--font-family-heading);
    font-size: 1.75rem;
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
}

.eligibility-meter {
    margin-top: 22px;
}

.eligibility-meter-track {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 6px;
    height: 10px;
}

.eligibility-meter-seg {
    border-radius: var(--radius-pill);
    background: var(--border-color);
    transition: background .3s ease;
}

.eligibility-meter-seg.active-low {
    background: #d64545;
}

.eligibility-meter-seg.active-average {
    background: #e7a13d;
}

.eligibility-meter-seg.active-good {
    background: #3aa0e7;
}

.eligibility-meter-seg.active-excellent {
    background: var(--secondary-color);
}

.eligibility-meter-labels {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    margin-top: 8px;
}

.eligibility-meter-labels span {
    font-family: var(--font-family);
    font-size: 12px;
    color: rgba(var(--text-color-rgb), 0.75);
    text-align: center;
}

.eligibility-meter-labels span.is-current {
    color: var(--heading-color);
    font-weight: var(--font-weight-semibold);
}

/* ---------- Compare partners table ---------- */
.compare-toolbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 24px;
}

.compare-search {
    position: relative;
    max-width: 320px;
    width: 100%;
}

.compare-search input {
    width: 100%;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-pill);
    padding: 11px 18px 11px 42px;
    font-family: var(--font-family);
    font-size: 14px;
}

.compare-search input:focus {
    outline: none;
    border-color: var(--secondary-color);
    box-shadow: 0 0 0 4px rgba(var(--secondary-color-rgb), 0.12);
}

.compare-search i {
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-color);
}

.compare-table-wrap {
    background: var(--white-color);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-color);
    overflow-x: auto;
}

.compare-table {
    width: 100%;
    min-width: 880px;
    margin: 0;
    border-collapse: separate;
    border-spacing: 0;
}

.compare-table thead th {
    font-family: var(--font-family-heading);
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: .03em;
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
    background: var(--tertiary-color);
    padding: 16px 20px;
    border: none;
    cursor: pointer;
    user-select: none;
    white-space: nowrap;
}

.compare-table thead th:first-child {
    border-radius: var(--radius-lg) 0 0 0;
}

.compare-table thead th:last-child {
    border-radius: 0 var(--radius-lg) 0 0;
    cursor: default;
}

.compare-table thead th .sort-icon {
    margin-left: 6px;
    font-size: 11px;
    opacity: .5;
}

.compare-table thead th.sort-active .sort-icon {
    opacity: 1;
    color: var(--secondary-color);
}

.compare-table tbody td {
    padding: 18px 20px;
    font-family: var(--font-family);
    font-size: 14.5px;
    color: var(--text-color);
    border-bottom: 1px solid var(--border-color);
    vertical-align: middle;
    white-space: nowrap;
}

.compare-table tbody tr:last-child td {
    border-bottom: none;
}

.compare-table tbody tr {
    transition: background .2s ease;
}

.compare-table tbody tr:hover {
    background: rgba(var(--secondary-color-rgb), 0.04);
}

.compare-bank-cell {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-family-heading);
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
}

.compare-bank-logo {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--tertiary-color);
    color: var(--secondary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: var(--font-weight-semibold);
    flex-shrink: 0;
}

.compare-table .btn-apply-row {
    background: var(--secondary-color);
    color: var(--white-color);
    border: none;
    border-radius: var(--radius-pill);
    padding: 8px 20px;
    font-family: var(--font-family-heading);
    font-size: 13px;
    font-weight: var(--font-weight-medium);
    transition: background .2s ease, transform .2s ease;
}

.compare-table .btn-apply-row:hover {
    background: var(--primary-color);
    color: var(--white-color);
    transform: translateY(-2px);
}

.compare-empty-row td {
    text-align: center;
    padding: 40px 20px;
    color: var(--text-color);
    font-style: italic;
}

/* ---------- Why compare ---------- */
.why-card {
    background: var(--white-color);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 34px 28px;
    height: 100%;
    transition: transform .3s var(--ease-smooth), box-shadow .3s ease, border-color .3s ease;
}

.why-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: transparent;
}

.why-card-icon {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    background: var(--tertiary-color);
    color: var(--secondary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 20px;
    transition: background .3s ease, color .3s ease;
}

.why-card:hover .why-card-icon {
    background: var(--secondary-color);
    color: var(--white-color);
}

.why-card h4 {
    font-size: 19px;
    margin-bottom: 10px;
}

.why-card p {
    font-family: var(--font-family);
    font-size: 14.5px;
    color: var(--text-color);
    margin: 0;
}

/* ---------- FAQ ---------- */
.cc-faq .accordion-item {
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md) !important;
    margin-bottom: 14px;
    overflow: hidden;
}

.cc-faq .accordion-button {
    font-family: var(--font-family-heading);
    font-size: 16px;
    font-weight: var(--font-weight-medium);
    color: var(--heading-color);
    padding: 20px 24px;
    background: var(--white-color);
}

.cc-faq .accordion-button:not(.collapsed) {
    color: var(--secondary-color);
    background: var(--tertiary-color);
    box-shadow: none;
}

.cc-faq .accordion-button:focus {
    box-shadow: none;
    border-color: var(--border-color);
}

.cc-faq .accordion-button::after {
    filter: none;
}

.cc-faq .accordion-body {
    font-family: var(--font-family);
    font-size: 15px;
    color: var(--text-color);
    padding: 4px 24px 22px;
}

/* ---------- CTA ---------- */
.cc-cta-card {
    background: linear-gradient(135deg, var(--primary-color), #0e1a2e);
    border-radius: var(--radius-lg);
    padding: 64px 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
    isolation: isolate;
}

.cc-cta-card::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 15% 85%, rgba(var(--secondary-color-rgb), 0.3), transparent 55%);
    z-index: -1;
}

.cc-cta-card h2 {
    color: var(--white-color);
    font-size: 2.25rem;
    max-width: 620px;
    margin: 0 auto 16px;
}

.cc-cta-card p {
    font-family: var(--font-family);
    color: rgba(var(--white-color-rgb), 0.85);
    font-size: 1.1rem;
    max-width: 560px;
    margin: 0 auto 32px;
}

.cc-cta-btns {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ---------- Back to top ---------- */
.back-to-top {
    position: fixed;
    bottom: 28px;
    right: 28px;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--secondary-color);
    color: var(--white-color);
    border: none;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    box-shadow: var(--shadow-md);
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px);
    transition: opacity .3s ease, transform .3s ease, background .2s ease, visibility .3s ease;
    z-index: 998;
}

.back-to-top.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--primary-color);
    color: var(--white-color);
}

/* ---------- Responsive ---------- */
@media (max-width: 767px) {
    .cc-section-pad {
        padding: 64px 0;
    }

    .cc-section-head h2,
    .cc-cta-card h2 {
        font-size: 1.9rem;
    }

    .calc-card {
        padding: 28px 22px;
    }

    .emi-result-hero .emi-value {
        font-size: 1.75rem;
    }

    .cc-cta-card {
        padding: 48px 24px;
    }

    .compare-toolbar {
        flex-direction: column;
        align-items: stretch;
    }

    .compare-search {
        max-width: 100%;
    }

    .back-to-top {
        width: 42px;
        height: 42px;
        bottom: 18px;
        right: 18px;
    }
}

/*  compare-calculators*/


        /* ---------- Intro ---------- */
        .compare-intro {
            padding: 70px 0 20px;
            text-align: center;
        }

        .compare-intro h2 {
            font-size: var(--font-size-h2);
            max-width: 780px;
            margin: 0 auto 18px;
        }

        .compare-intro p {
            font-size: 16px;
            color: var(--text-color);
            max-width: 620px;
            margin: 0 auto;
        }

        /* ---------- Calculator section ---------- */
        .calc-section {
            padding: 56px 0 96px;
        }

        .calc-card {
            background: var(--white-color);
            border-radius: var(--radius-lg);
            padding: 40px;
            height: 100%;
            box-shadow: var(--shadow-sm);
        }

        .calc-card h3 {
            font-size: 22px;
            margin-bottom: 30px;
            display: flex;
            align-items: center;
            gap: 10px;
        }

        .calc-card h3 svg {
            width: 22px;
            height: 22px;
            color: var(--secondary-color);
        }

        .calc-field {
            margin-bottom: 26px;
        }

        .calc-field-label {
            display: flex;
            align-items: center;
            justify-content: space-between;
            font-size: 14px;
            font-weight: var(--font-weight-medium);
            color: var(--heading-color);
            margin-bottom: 12px;
        }

        .calc-field-value {
            font-weight: var(--font-weight-semibold);
            color: var(--secondary-color);
        }

        .calc-range {
            -webkit-appearance: none;
            width: 100%;
            height: 6px;
            border-radius: var(--radius-pill);
            background: var(--border-color);
            outline: none;
        }

        .calc-range::-webkit-slider-thumb {
            -webkit-appearance: none;
            width: 20px;
            height: 20px;
            border-radius: 50%;
            background: var(--gradient-accent);
            cursor: pointer;
            box-shadow: var(--shadow-sm);
            border: 3px solid var(--white-color);
        }

        .calc-range::-moz-range-thumb {
            width: 20px;
            height: 20px;
            border-radius: 50%;
            background: var(--secondary-color);
            cursor: pointer;
            border: 3px solid var(--white-color);
            box-shadow: var(--shadow-sm);
        }

        .calc-input {
            width: 100%;
            border: 1px solid var(--border-color);
            border-radius: var(--radius-sm);
            background: var(--background-color);
            padding: 14px 16px;
            font-family: var(--font-family);
            font-size: 15px;
            color: var(--heading-color);
        }

        .calc-input:focus {
            outline: none;
            box-shadow: 0 0 0 3px rgba(var(--secondary-color-rgb), 0.2);
            border-color: var(--secondary-color);
        }

        .calc-results {
            background: var(--background-color);
            border-radius: var(--radius-md);
            padding: 26px;
            margin-top: 32px;
        }

        .calc-result-hero {
            text-align: center;
            margin-bottom: 22px;
        }

        .calc-result-hero .label {
            font-size: 13px;
            color: var(--text-color);
            margin-bottom: 6px;
        }

        .calc-result-hero .value {
            font-family: var(--font-family-heading);
            font-size: 32px;
            font-weight: var(--font-weight-semibold);
            color: var(--primary-color);
        }

        .calc-result-hero .value span {
            font-size: 15px;
            font-weight: var(--font-weight-medium);
            color: var(--text-color);
        }

        .calc-result-grid {
            display: flex;
            gap: 16px;
            margin-bottom: 24px;
        }

        .calc-result-item {
            flex: 1;
            text-align: center;
        }

        .calc-result-item .label {
            font-size: 12px;
            color: var(--text-color);
            margin-bottom: 4px;
        }

        .calc-result-item .value {
            font-size: 16px;
            font-weight: var(--font-weight-semibold);
            color: var(--heading-color);
        }

        .donut-wrap {
            display: flex;
            align-items: center;
            gap: 24px;
            justify-content: center;
        }

        .donut {
            width: 130px;
            height: 130px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
            transition: background 0.4s ease;
        }

        .donut-inner {
            width: 90px;
            height: 90px;
            border-radius: 50%;
            background: var(--background-color);
            display: flex;
            flex-direction: column;
            align-items: center;
            justify-content: center;
        }

        .donut-inner .pct {
            font-size: 15px;
            font-weight: var(--font-weight-semibold);
            color: var(--heading-color);
        }

        .donut-inner .pct-label {
            font-size: 10px;
            color: var(--text-color);
        }

        .donut-legend {
            display: flex;
            flex-direction: column;
            gap: 10px;
        }

        .donut-legend-item {
            display: flex;
            align-items: center;
            gap: 8px;
            font-size: 13px;
            color: var(--text-color);
        }

        .donut-legend-dot {
            width: 10px;
            height: 10px;
            border-radius: 50%;
            flex-shrink: 0;
        }

        .donut-legend-dot.principal {
            background: var(--secondary-color);
        }

        .donut-legend-dot.interest {
            background: var(--accent-blue);
        }


        .eligibility-result .label {
            font-size: 13px;
            color: rgba(var(--white-color-rgb), 0.85);
            margin-bottom: 8px;
        }

        .eligibility-result .value {
            font-family: var(--font-family-heading);
            font-size: 24px;
            font-weight: var(--font-weight-semibold);
        }

        .eligibility-note {
            font-size: 12px;
            color: var(--text-color);
            margin-top: 14px;
            line-height: 1.6;
        }

        /* ---------- Eligibility Checker (redesigned) ---------- */
        .input-prefix {
            position: relative;
        }

        .input-prefix span {
            position: absolute;
            left: 16px;
            top: 50%;
            transform: translateY(-50%);
            font-size: 15px;
            font-weight: var(--font-weight-medium);
            color: var(--text-color);
            pointer-events: none;
        }

        .input-prefix input.calc-input {
            padding-left: 32px;
        }

        .input-prefix input.calc-input::-webkit-outer-spin-button,
        .input-prefix input.calc-input::-webkit-inner-spin-button {
            -webkit-appearance: none;
            margin: 0;
        }

        .input-prefix input.calc-input[type="number"] {
            -moz-appearance: textfield;
        }

        .score-track {
            height: 8px;
            border-radius: var(--radius-pill);
            background: linear-gradient(90deg, #E14848 0%, #F0A93E 33%, #E7D63E 55%, var(--secondary-color) 78%, #2FBF71 100%);
            position: relative;
        }

        .calc-range.score-range {
            background: transparent;
            position: relative;
            margin-top: -8px;
            height: 20px;
        }

        .score-meta {
            display: flex;
            align-items: center;
            justify-content: space-between;
            margin-top: 10px;
        }

        .score-band {
            font-size: 12px;
            font-weight: var(--font-weight-semibold);
            padding: 3px 12px;
            border-radius: var(--radius-pill);
            color: var(--white-color);
        }

        .score-range-labels {
            font-size: 11px;
            color: var(--text-color);
            display: flex;
            justify-content: space-between;
            margin-top: 4px;
        }

        .eligibility-result-v2 {
            background: var(--gradient-accent);
            border-radius: var(--radius-md);
            padding: 28px;
            color: var(--white-color);
            margin-top: 8px;
            display: flex;
            align-items: center;
            gap: 18px;
        }

        .eligibility-result-icon {
            width: 48px;
            height: 48px;
            border-radius: 50%;
            background: rgba(var(--white-color-rgb), 0.18);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .eligibility-result-icon svg {
            width: 22px;
            height: 22px;
        }

        .eligibility-result-v2 .label {
            font-size: 12px;
            color: rgba(var(--white-color-rgb), 0.85);
            margin-bottom: 6px;
            text-transform: uppercase;
            letter-spacing: .03em;
        }

        .eligibility-result-v2 .value {
            font-family: var(--font-family-heading);
            font-size: 22px;
            font-weight: var(--font-weight-semibold);
            line-height: 1.2;
        }

        /* ---------- Compare Partners Table ---------- */

        .table-section {
            padding: 40px 0 70px;
        }




        /* Table Card */

        .compare-table-wrap {

            background: var(--white-color);

            border-radius: var(--radius-lg);

            overflow: hidden;

            border: 1px solid rgba(var(--primary-color-rgb), 0.08);

            box-shadow: var(--shadow-md);

        }


        /* Scroll */

        .table-scroll {
            overflow-x: auto;
        }



        /* Table */

        .compare-table {

            width: 100%;

            border-collapse: collapse;

            min-width: 850px;

            font-size: 15px;

        }



        /* Header */

        .compare-table thead th {

            background:
                linear-gradient(135deg,
                    rgba(var(--secondary-color-rgb), 0.10),
                    rgba(var(--accent-blue-rgb), 0.06));

            color: var(--heading-color);

            padding: 22px 26px;

            text-align: left;

            font-family: var(--font-family-heading);

            font-weight: 600;

            font-size: 14px;

            text-transform: uppercase;

            border-bottom: 1px solid rgba(var(--border-color-rgb), 0.6);

        }



        /* Body */

        .compare-table tbody td {

            padding: 22px 26px;

            border-bottom: 1px solid rgba(var(--border-color-rgb), 0.55);

            color: var(--text-color);

            background: var(--white-color);

            transition: .3s ease;

        }



        /* Hover */

        .compare-table tbody tr:hover td {

            background:
                rgba(var(--secondary-color-rgb), 0.05);

        }



        /* Bank Name */

        .compare-table tbody td.bank-name {

            display: flex;

            align-items: center;

            gap: 14px;

            color: var(--heading-color);

            font-size: 17px;

            font-weight: 600;

        }



        /* REMOVE OLD EMPTY DOT */

        .compare-table tbody td.bank-name::before {

            display: none;

            content: none;

        }



        /* Bank Circle */

        .bank-icon {

            width: 42px;

            height: 42px;

            display: flex;

            align-items: center;

            justify-content: center;

            flex-shrink: 0;

            border-radius: 50%;


            background:
                linear-gradient(135deg,
                    rgba(var(--secondary-color-rgb), 0.16),
                    rgba(var(--accent-blue-rgb), 0.12));


            color: var(--secondary-color);


            font-size: 14px;

            font-weight: 700;


            border: 1px solid rgba(var(--secondary-color-rgb), 0.18);

        }



        /* Rate */

        .compare-table tbody td:nth-child(2) {

            color: var(--primary-color);

            font-weight: 600;

        }



        /* Tenure */

        .compare-table tbody td:nth-child(4) {

            color: var(--heading-color);

            font-weight: 500;

        }



        /* Remove last border */

        .compare-table tbody tr:last-child td {

            border-bottom: none;

        }



        /* Disclaimer */

        .compare-disclaimer {

            max-width: 760px;

            margin: 30px auto 0;

            text-align: center;

            font-size: 13px;

            line-height: 1.8;

            color: var(--text-color);

        }



        /* Mobile */

        @media(max-width:768px) {

            .compare-table-wrap {

                border-radius: 20px;

            }


            .compare-table thead th,
            .compare-table tbody td {

                padding: 18px;

            }

        }










        /* blog-page */

        * ---------- Blog Hero ---------- */
.blog-hero { padding: 56px 0 40px; text-align: center; }
.blog-category-badge {
    display: inline-block;
    background: var(--gradient-soft-strong);
    color: var(--accent-blue);
    font-size: 13px;
    font-weight: var(--font-weight-semibold);
    letter-spacing: .03em;
    text-transform: uppercase;
    padding: 7px 18px;
    border-radius: var(--radius-pill);
    margin-bottom: 22px;
}
.blog-title { font-size: 44px; max-width: 880px; margin: 0 auto 20px; }
.blog-excerpt { font-size: 17px; color: var(--text-color); max-width: 680px; margin: 0 auto 32px; }

.blog-hero-image { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); max-width: 1000px; margin: 0 auto; }
.blog-hero-image img { width: 100%; height: 440px; object-fit: cover; display: block; }

.blog-meta-row {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 28px;
    flex-wrap: wrap;
    margin-top: 28px;
    font-size: 14px;
    color: var(--text-color);
}
.blog-meta-item { display: flex; align-items: center; gap: 8px; }
.blog-meta-item svg { width: 17px; height: 17px; color: var(--secondary-color); }
.blog-meta-author-avatar { width: 30px; height: 30px; border-radius: 50%; background: var(--gradient-accent); color: var(--white-color); display: flex; align-items: center; justify-content: center; }
.blog-meta-author-avatar svg { width: 15px; height: 15px; color: var(--white-color); }

/* ---------- Layout ---------- */
.blog-layout { padding: 56px 0 90px; }
.blog-sidebar-left { position: sticky; top: 100px; }
.blog-sidebar-right { position: sticky; top: 100px; }

.side-card {
    background: var(--white-color);
    border-radius: var(--radius-md);
    padding: 26px;
    box-shadow: var(--shadow-sm);
    margin-bottom: 22px;
}
.side-card-title {
    font-size: 15px;
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
    margin-bottom: 18px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.side-card-title svg { width: 17px; height: 17px; color: var(--secondary-color); }

/* Table of Contents */
.toc-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.toc-list a {
    display: block;
    font-size: 13.5px;
    color: var(--text-color);
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    border-left: 2px solid transparent;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
}
.toc-list a:hover { background: var(--background-color); color: var(--heading-color); }
.toc-list a.active { color: var(--secondary-color); border-left-color: var(--secondary-color); background: rgba(var(--secondary-color-rgb), 0.06); font-weight: var(--font-weight-medium); }

/* Related mini cards */
.related-mini { display: flex; gap: 12px; margin-bottom: 16px; }
.related-mini:last-child { margin-bottom: 0; }
.related-mini-thumb { width: 56px; height: 56px; border-radius: var(--radius-sm); overflow: hidden; flex-shrink: 0; }
.related-mini-thumb img { width: 100%; height: 100%; object-fit: cover; }
.related-mini-body h4 { font-size: 13px; line-height: 1.4; font-weight: var(--font-weight-medium); color: var(--heading-color); margin-bottom: 4px; }
.related-mini-body h4:hover { color: var(--secondary-color); cursor: pointer; }
.related-mini-body span { font-size: 11px; color: var(--text-color); }

/* Tags */
.tag-cloud { display: flex; flex-wrap: wrap; gap: 8px; }
.tag-pill {
    font-size: 12.5px;
    color: var(--heading-color);
    background: var(--background-color);
    padding: 7px 14px;
    border-radius: var(--radius-pill);
    transition: background .2s ease, color .2s ease;
}
.tag-pill:hover { background: var(--secondary-color); color: var(--white-color); }

/* Newsletter card */
.newsletter-side-card {
    background: var(--gradient-dark);
    border-radius: var(--radius-md);
    padding: 28px 24px;
    color: var(--white-color);
}
.newsletter-side-card h4 { color: var(--white-color); font-size: 16px; margin-bottom: 8px; }
.newsletter-side-card p { font-size: 13px; color: rgba(var(--white-color-rgb), 0.7); margin-bottom: 18px; line-height: 1.6; }
.newsletter-side-input {
    width: 100%;
    border: none;
    border-radius: var(--radius-sm);
    padding: 12px 14px;
    font-size: 13px;
    margin-bottom: 10px;
    background: rgba(var(--white-color-rgb), 0.1);
    color: var(--white-color);
}
.newsletter-side-input::placeholder { color: rgba(var(--white-color-rgb), 0.5); }
.newsletter-side-btn {
    width: 100%;
    background: var(--gradient-accent);
    color: var(--white-color);
    border: none;
    border-radius: var(--radius-sm);
    padding: 12px;
    font-size: 13px;
    font-weight: var(--font-weight-semibold);
}

/* ---------- Center article ---------- */
.article-featured-image { border-radius: var(--radius-lg); overflow: hidden; margin-bottom: 32px; box-shadow: var(--shadow-sm); }
.article-featured-image img { width: 100%; height: 360px; object-fit: cover; display: block; }

.article-content { background: var(--white-color); border-radius: var(--radius-lg); padding: 48px; box-shadow: var(--shadow-sm); }

.article-content h2 { font-size: 26px; margin: 40px 0 18px; scroll-margin-top: 100px; }
.article-content h2:first-child { margin-top: 0; }
.article-content p { font-size: 15.5px; line-height: 1.85; color: var(--text-color); margin-bottom: 18px; }
.article-content ul { margin: 0 0 20px; padding-left: 0; list-style: none; }
.article-content ul li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 15.5px;
    color: var(--text-color);
    margin-bottom: 12px;
    line-height: 1.7;
}
.article-content ul li svg { width: 18px; height: 18px; color: var(--secondary-color); flex-shrink: 0; margin-top: 3px; }

.quote-block {
    position: relative;
    background: var(--gradient-soft);
    border-left: 3px solid var(--secondary-color);
    border-radius: var(--radius-sm);
    padding: 28px 32px;
    margin: 28px 0;
}
.quote-block svg { width: 30px; height: 22px; color: rgba(var(--secondary-color-rgb), 0.4); margin-bottom: 10px; }
.quote-block p { font-family: var(--font-family-heading); font-size: 18px; font-style: italic; color: var(--heading-color); margin: 0 0 10px; line-height: 1.6; }
.quote-block cite { font-size: 13px; color: var(--text-color); font-style: normal; }

.alert-card {
    display: flex;
    gap: 14px;
    border-radius: var(--radius-md);
    padding: 20px 22px;
    margin: 20px 0;
}
.alert-card .alert-icon { width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.alert-card .alert-icon svg { width: 18px; height: 18px; }
.alert-card h5 { font-size: 14.5px; margin-bottom: 4px; }
.alert-card p { font-size: 14px; margin: 0; line-height: 1.65; }

.alert-card.info { background: rgba(var(--accent-blue-rgb), 0.07); }
.alert-card.info .alert-icon { background: rgba(var(--accent-blue-rgb), 0.15); color: var(--accent-blue); }
.alert-card.info h5 { color: var(--accent-blue); }

.alert-card.success { background: rgba(var(--success-color-rgb), 0.08); }
.alert-card.success .alert-icon { background: rgba(var(--success-color-rgb), 0.16); color: var(--success-color); }
.alert-card.success h5 { color: var(--success-color); }

.alert-card.warning { background: rgba(var(--warning-color-rgb), 0.1); }
.alert-card.warning .alert-icon { background: rgba(var(--warning-color-rgb), 0.18); color: var(--warning-color); }
.alert-card.warning h5 { color: var(--warning-color); }

.article-table-wrap { border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-sm); margin: 24px 0; }
.article-table { width: 100%; border-collapse: collapse; font-size: 13.5px; }
.article-table thead th { background: var(--primary-color); color: var(--white-color); font-family: var(--font-family-heading); font-weight: var(--font-weight-semibold); text-align: left; padding: 14px 18px; white-space: nowrap; }
.article-table tbody td { padding: 14px 18px; border-bottom: 1px solid var(--border-color); color: var(--text-color); }
.article-table tbody tr:last-child td { border-bottom: none; }
.article-table tbody tr:hover { background: var(--background-color); }
.article-table tbody td.row-name { color: var(--heading-color); font-weight: var(--font-weight-semibold); }
.table-scroll-x { overflow-x: auto; }

.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 28px 0; }
.stat-card-mini {
    background: var(--background-color);
    border-radius: var(--radius-md);
    padding: 22px 16px;
    text-align: center;
}
.stat-card-mini .num { font-family: var(--font-family-heading); font-size: 26px; font-weight: var(--font-weight-semibold); color: var(--primary-color); }
.stat-card-mini .cap { font-size: 12px; color: var(--text-color); margin-top: 4px; line-height: 1.4; }

.article-tags { display: flex; flex-wrap: wrap; gap: 10px; margin: 36px 0 0; padding-top: 28px; border-top: 1px solid var(--border-color); }

.prev-next-nav { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.pn-card {
    display: flex;
    align-items: center;
    gap: 14px;
    background: var(--background-color);
    border-radius: var(--radius-md);
    padding: 18px 20px;
    transition: background .2s ease, transform .2s ease;
}
.pn-card:hover { background: var(--gradient-soft-strong); transform: translateY(-2px); }
.pn-card.next { flex-direction: row-reverse; text-align: right; }
.pn-card .pn-arrow { width: 32px; height: 32px; border-radius: 50%; background: var(--white-color); display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--secondary-color); }
.pn-card .pn-arrow svg { width: 16px; height: 16px; }
.pn-card .pn-label { font-size: 11px; text-transform: uppercase; letter-spacing: .04em; color: var(--text-color); margin-bottom: 4px; }
.pn-card .pn-title { font-size: 13.5px; font-weight: var(--font-weight-medium); color: var(--heading-color); line-height: 1.4; }

.author-card-block {
    display: flex;
    gap: 20px;
    align-items: center;
    background: var(--background-color);
    border-radius: var(--radius-md);
    padding: 26px;
    margin-top: 28px;
}
.author-avatar-lg { width: 64px; height: 64px; border-radius: 50%; background: var(--gradient-accent); color: var(--white-color); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.author-avatar-lg svg { width: 30px; height: 30px; }
.author-card-block h5 { font-size: 16px; margin-bottom: 4px; }
.author-card-block .role { font-size: 12.5px; color: var(--secondary-color); font-weight: var(--font-weight-medium); margin-bottom: 8px; }
.author-card-block p { font-size: 13.5px; color: var(--text-color); margin: 0; line-height: 1.6; }

/* ---------- Right sidebar specifics ---------- */
.share-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.share-btn {
    display: flex; align-items: center; justify-content: center; gap: 6px;
    padding: 11px 8px;
    border-radius: var(--radius-sm);
    background: var(--background-color);
    color: var(--heading-color);
    font-size: 12px;
    font-weight: var(--font-weight-medium);
    transition: background .2s ease, color .2s ease, transform .2s ease;
}
.share-btn svg { width: 15px; height: 15px; }
.share-btn:hover { transform: translateY(-2px); color: var(--white-color); }
.share-btn.facebook:hover { background: #1877F2; }
.share-btn.linkedin:hover { background: #0A66C2; }
.share-btn.x:hover { background: #000000; }
.share-btn.whatsapp:hover { background: #25D366; }
.share-btn.telegram:hover { background: #26A5E4; }
.share-btn.copy:hover { background: var(--secondary-color); }

.progress-card { text-align: center; }
.progress-ring-wrap { position: relative; width: 92px; height: 92px; margin: 4px auto 14px; }
.progress-ring-wrap svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.progress-ring-bg { fill: none; stroke: var(--background-color); stroke-width: 7; }
.progress-ring-fill { fill: none; stroke: url(#progressGradient); stroke-width: 7; stroke-linecap: round; transition: stroke-dashoffset .1s linear; }
.progress-ring-text { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-family: var(--font-family-heading); font-size: 17px; font-weight: var(--font-weight-semibold); color: var(--heading-color); }
.progress-card p { font-size: 12.5px; color: var(--text-color); margin: 0; }

.resource-link {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 10px;
    border-radius: var(--radius-sm);
    transition: background .2s ease, padding-left .2s ease;
}
.resource-link:hover { background: var(--background-color); padding-left: 14px; }
.resource-link-icon { width: 36px; height: 36px; border-radius: var(--radius-sm); background: rgba(var(--secondary-color-rgb), 0.12); color: var(--secondary-color); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.resource-link-icon svg { width: 17px; height: 17px; }
.resource-link span { font-size: 13.5px; font-weight: var(--font-weight-medium); color: var(--heading-color); }
.resource-link:hover span { color: var(--secondary-color); }
.resource-link svg.chevron { width: 14px; height: 14px; margin-left: auto; color: var(--text-color); flex-shrink: 0; }

.promo-cta-card {
    background: var(--gradient-primary);
    border-radius: var(--radius-md);
    padding: 30px 24px;
    color: var(--white-color);
    text-align: center;
    position: relative;
    overflow: hidden;
}
.promo-cta-card::before {
    content: "";
    position: absolute; top: -30px; right: -30px;
    width: 120px; height: 120px; border-radius: 50%;
    background: rgba(var(--white-color-rgb), 0.08);
}
.promo-cta-card .icon-wrap { width: 48px; height: 48px; border-radius: 50%; background: rgba(var(--white-color-rgb), 0.15); display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; position: relative; }
.promo-cta-card .icon-wrap svg { width: 22px; height: 22px; }
.promo-cta-card h4 { color: var(--white-color); font-size: 16px; margin-bottom: 6px; position: relative; }
.promo-cta-card .amount { font-family: var(--font-family-heading); font-size: 20px; font-weight: var(--font-weight-semibold); color: var(--white-color); margin-bottom: 18px; position: relative; }
.promo-cta-card .amount span { display: block; font-size: 12px; font-weight: var(--font-weight-regular); color: rgba(var(--white-color-rgb), 0.75); margin-bottom: 2px; }
.btn-apply-now {
    display: inline-block;
    background: var(--white-color);
    color: var(--primary-color);
    border: none;
    border-radius: var(--radius-pill);
    padding: 12px 28px;
    font-size: 13.5px;
    font-weight: var(--font-weight-semibold);
    position: relative;
    transition: transform .2s ease;
}
.btn-apply-now:hover { color: var(--primary-color); transform: translateY(-2px); }

/* ---------- Related articles (bottom) ---------- */
.related-articles-section { padding: 0 0 100px; }
.related-articles-section h2 { text-align: center; font-size: var(--font-size-h3); margin-bottom: 40px; }
.related-article-card {
    background: var(--white-color);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    height: 100%;
    transition: transform .25s var(--ease-smooth), box-shadow .25s var(--ease-smooth);
}
.related-article-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.related-article-img { height: 200px; overflow: hidden; position: relative; }
.related-article-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.related-article-card:hover .related-article-img img { transform: scale(1.07); }
.related-article-cat {
    position: absolute; top: 16px; left: 16px;
    background: rgba(var(--primary-color-rgb), 0.85);
    color: var(--white-color);
    font-size: 11px;
    font-weight: var(--font-weight-medium);
    padding: 5px 14px;
    border-radius: var(--radius-pill);
    backdrop-filter: blur(3px);
}
.related-article-body { padding: 24px; }
.related-article-body h3 { font-size: 17px; line-height: 1.4; margin-bottom: 10px; }
.related-article-body h3:hover { color: var(--secondary-color); cursor: pointer; }
.related-article-body p { font-size: 13.5px; color: var(--text-color); margin-bottom: 16px; line-height: 1.65; }
.related-article-meta { display: flex; align-items: center; gap: 6px; font-size: 12px; color: var(--text-color); }
.related-article-meta svg { width: 14px; height: 14px; color: var(--secondary-color); }



/* ==========================================================================
   Our Services — Loans & Insurance
   ========================================================================== */
.services-section {
    padding: 90px 0 100px;
    background: var(--tertiary-color);
}

.services-group {
    margin-top: 44px;
}

.services-group-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
}

.services-group-head h3 {
    color: var(--primary-color);
    margin: 0;
}

.services-count {
    font-size: 12px;
    font-weight: var(--font-weight-medium);
    color: var(--white-color);
    background: var(--gradient-accent);
    padding: 4px 14px;
    border-radius: var(--radius-pill);
}

.service-card {
    position: relative;
    display: flex;
    flex-direction: column;
    height: 100%;
    background: var(--white-color);
    /* border: 1px solid var(--border-color); */
    border-radius: var(--radius-lg);
    padding: 28px 24px 24px;
    text-decoration: none;
    transition: box-shadow .25s var(--ease-smooth), transform .25s var(--ease-smooth), border-color .25s ease;
    -webkit-transition: box-shadow .25s var(--ease-smooth), transform .25s var(--ease-smooth), border-color .25s ease;
    -moz-transition: box-shadow .25s var(--ease-smooth), transform .25s var(--ease-smooth), border-color .25s ease;
    -ms-transition: box-shadow .25s var(--ease-smooth), transform .25s var(--ease-smooth), border-color .25s ease;
    -o-transition: box-shadow .25s var(--ease-smooth), transform .25s var(--ease-smooth), border-color .25s ease;
    -webkit-border-radius: var(--radius-lg);
    -moz-border-radius: var(--radius-lg);
    -ms-border-radius: var(--radius-lg);
    -o-border-radius: var(--radius-lg);
}

.service-card:hover {
    /* box-shadow: var(--shadow-md); */
    transform: translateY(-4px);
    border-color: transparent;
}

.service-edit {
    position: absolute;
    top: 20px;
    right: 20px;
    width: 26px;
    height: 26px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    rotate: 45deg;
    color: var(--text-color);
    background: var(--background-color);
    font-size: 12px;
    opacity: 0;
    transition: opacity .2s ease;
}

.service-card:hover .service-edit {
    opacity: 1;
}

.service-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    font-size: 20px;
    transition: transform .2s ease;
}

.service-card:hover .service-icon {
    transform: scale(1.08);
}

/* pastel icon variants, all derived from root palette */
.icon-c1 {
    background: rgba(var(--secondary-color-rgb), 0.12);
    color: var(--secondary-color);
}

.icon-c2 {
    background: rgba(var(--accent-blue-rgb), 0.12);
    color: var(--accent-blue);
}

.icon-c3 {
    background: rgba(var(--success-color-rgb), 0.14);
    color: var(--success-color);
}

.icon-c4 {
    background: rgba(var(--warning-color-rgb), 0.16);
    color: var(--warning-color);
}

.service-card h4 {
    font-size:var(--font-size-h5);
    font-weight: var(--font-weight-semibold);
    color: var(--heading-color);
    margin-bottom: 8px;
}



.service-link {
    align-self: flex-start;
    display: inline-flex;
    justify-content: center;
    align-items: center;
    background: var(--background-color);
    gap: 6px;
    font-size: 13px;
    font-weight: var(--font-weight-medium);
    color: var(--secondary-color);
    /* border: 1px solid var(--border-color); */
    border-radius: var(--radius-pill);
    padding: 6px 16px;
    width: 100%;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
    -webkit-transition: background .2s ease, color .2s ease, border-color .2s ease;
    -moz-transition: background .2s ease, color .2s ease, border-color .2s ease;
    -ms-transition: background .2s ease, color .2s ease, border-color .2s ease;
    -o-transition: background .2s ease, color .2s ease, border-color .2s ease;
}

.service-link i {
    font-size: 12px;
    transition: transform .2s ease;
}

.service-card:hover .service-link {
    background: var(--gradient-accent);
    color: var(--white-color);
    border-color: transparent;
}

.service-card:hover .service-link i {
    transform: translateX(3px);
}

@media (max-width: 767px) {
    .service-card {
        padding: 24px 20px 20px;
    }
}






.service-card p {
 font-size: 13px;
    color: var(--text-color);
    margin-bottom: 14px;
    flex: 1;
}



/* 
.service-icon {
    width: 38px;
    height: 38px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 12px;
    font-size: 16px;
    transition: transform .2s ease;
}

.service-card:hover .service-icon {
    transform: scale(1.08);
}



.service-link {
    align-self: flex-start;
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: 12px;
    font-weight: var(--font-weight-medium);
    color: var(--secondary-color);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-pill);
    padding: 5px 13px;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
}

.service-link i {
    font-size: 11px;
    transition: transform .2s ease;
}

.service-card:hover .service-link {
    background: var(--gradient-accent);
    color: var(--white-color);
    border-color: transparent;
}

.service-card:hover .service-link i {
    transform: translateX(3px);
} */


 /* Tenure unit toggle */
        .tenure-toggle {
            display: inline-flex;
            gap: 4px;
            background: var(--tertiary-color);
            border-radius: var(--radius-pill);
            padding: 4px;
            margin-bottom: 14px;
        }

        .tenure-toggle-btn {
            border: none;
            background: transparent;
            color: var(--text-color);
            font-family: var(--font-family);
            font-size: 12.5px;
            font-weight: var(--font-weight-medium);
            padding: 7px 16px;
            border-radius: var(--radius-pill);
            cursor: pointer;
            transition: background .2s ease, color .2s ease, box-shadow .2s ease;
        }

        .tenure-toggle-btn.active {
            background: var(--secondary-color);
            color: var(--white-color);
            box-shadow: 0 4px 10px -2px rgba(var(--secondary-color-rgb), 0.45);
        }