/* ─── CSS VARIABLES ─────────────────────────────────────── */
:root {
  --navy:   #231191;
  --navy2:  #14085F;
  --gold:   #31CA83;
  --gold-lt:#90E9C0;
  --cream:  #F6FFFB;
  --white:  #FFFFFF;
  --gray1:  #F1FBF7;
  --gray2:  #D7EAE2;
  --gray3:  #7B89A0;
  --text:   #19214F;
  --text2:  #55637C;
  --green:  #23B874;
  --accent-rgb: 49,202,131;
  --navy-rgb: 35,17,145;
  --navy2-rgb: 20,8,95;
  --shadow: 0 8px 28px rgba(35,17,145,0.10);
  --shadow-lg: 0 18px 54px rgba(35,17,145,0.16);
  --radius: 12px;
  --radius-lg: 20px;
  font-size: 16px;
}

/* ─── RESET & BASE ──────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html, body { overflow-x: hidden; width: 100%; -webkit-overflow-scrolling: touch; }
body { font-family: 'DM Sans', sans-serif; color: var(--text); background: linear-gradient(180deg, #ffffff 0%, #f8fffb 52%, #ffffff 100%); position: relative; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
button { font-family: inherit; cursor: pointer; border: none; outline: none; }

/* ─── UTILITY ───────────────────────────────────────────── */
.container { max-width: 1460px; margin: 0 auto; padding: 0 60px; }
.section-tag { display: inline-block; background: rgba(var(--accent-rgb),0.12); color: var(--navy); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; padding: 5px 14px; border-radius: 20px; margin-bottom: 14px; border: 1px solid rgba(var(--accent-rgb),0.18); }
.section-title { font-family: 'Gilroy', sans-serif; font-size: clamp(1.9rem, 3vw, 2.7rem); font-weight: 700; color: var(--navy); line-height: 1.2; }
.section-sub { font-size: 1.05rem; color: var(--text2); margin-top: 12px; max-width: 560px; line-height: 1.7; }
.btn-primary { 
  display: inline-flex; align-items: center; gap: 8px; 
  background: var(--gold); 
  background-image: linear-gradient(135deg, #38d48d, var(--gold)); 
  color: #fff; font-weight: 600; font-size: 0.95rem; padding: 14px 28px; 
  border-radius: 999px; transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1); 
  letter-spacing: 0.01em;
  position: relative; z-index: 1;
}
.btn-primary:hover { 
  transform: translateY(-4px); 
  box-shadow: 0 12px 30px rgba(var(--accent-rgb),0.35); 
}
.btn-primary:active { transform: translateY(0) scale(0.97); transition-duration: 0.1s; }

.btn-outline { display: inline-flex; align-items: center; gap: 8px; background: transparent; color: var(--navy); font-weight: 600; font-size: 0.95rem; padding: 13px 26px; border-radius: 8px; border: 2px solid var(--navy); transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); }
.btn-outline:hover { background: var(--navy); color: #fff; transform: translateY(-2px); box-shadow: 0 8px 20px rgba(var(--navy-rgb),0.12); }
.btn-outline:active { transform: translateY(0) scale(0.97); transition-duration: 0.1s; }

.btn-outline-light { color: #fff; border-color: rgba(255,255,255,0.3); transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); }
.btn-outline-light:hover { background: rgba(255,255,255,0.12); border-color: rgba(var(--accent-rgb),0.6); color: #fff; transform: translateY(-2px); }

.btn-whatsapp { 
  display: inline-flex; align-items: center; gap: 8px; 
  background: #25D366; color: #fff; font-weight: 600; font-size: 0.95rem; padding: 14px 28px; 
  border-radius: 8px; transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1); 
  position: relative; z-index: 1;
} 
.btn-whatsapp:hover { 
  transform: translateY(-4px); 
  box-shadow: 0 12px 30px rgba(37,211,102,0.4); 
}
.btn-whatsapp:active { transform: translateY(0) scale(0.97); transition-duration: 0.1s; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

/* ─── STICKY NAV ────────────────────────────────────────── */
nav {
  position: fixed; top: 0; left: 0; width: 100%; z-index: 999;
  background: rgba(255,255,255,0.97);
  border-bottom: 1px solid rgba(var(--navy-rgb),0.08);
  box-shadow: 0 8px 24px rgba(17,24,39,0.06);
  backdrop-filter: blur(12px);
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
}
nav.scrolled {
  background: rgba(255,255,255,0.98);
  box-shadow: 0 10px 30px rgba(var(--navy-rgb),0.08);
  border-bottom-color: rgba(var(--navy-rgb),0.14);
}
nav.scrolled .nav-inner {
  height: 64px;
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 20px; transition: height 0.4s; }
/* ─── LOGO SHIMMER ─────────────────────────────────────── */
.logo-badge { 
  position: relative; 
  display: flex; 
  align-items: center; 
  justify-content: center; 
  width: 160px; 
  height: 52px; 
  overflow: visible; 
}
.logo-lottie { 
  border: none; 
  width: 320px; 
  height: 240px; 
  position: absolute; 
  left: 50%; 
  top: 50%; 
  transform: translate(-50%, -50%) scale(0.6); 
  pointer-events: none; 
  background: transparent; 
}
.logo { display: inline-flex; align-items: center; width: fit-content; }
.footer-logo .logo-badge {
  width: 200px;
  height: 80px;
}
.footer-logo .logo-lottie {
  transform: translate(-50%, -50%) scale(0.9);
}
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a { 
  color: var(--navy); font-size: 0.9rem; font-weight: 600; transition: color 0.3s; 
  position: relative; padding: 4px 0;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 100%;
  height: 2.5px;
  background: var(--gold);
  border-radius: 4px;
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.45s cubic-bezier(0.165, 0.84, 0.44, 1);
}
.nav-links a:hover::after,
.nav-links a.active::after {
  transform: scaleX(1);
  transform-origin: left;
}
.nav-links a:hover,
.nav-links a.active { color: var(--navy2); }
.nav-links a:hover { color: var(--navy2); }
.nav-cta { display: flex; gap: 12px; align-items: center; }
.nav.c-value { color: var(--navy); font-weight: 600; font-size: 1rem; line-height: 1.5; text-decoration: none; display: block; transition: color 0.2s; }
a.c-value:hover { color: var(--gold);}
.nav-phone { color: var(--navy); font-weight: 600; font-size: 0.9rem; display: flex; align-items: center; gap: 6px; text-decoration: none; transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1); }
.nav-phone:hover { color: var(--navy2); transform: translateY(-1px); }
.nav-btn { 
  background: var(--gold); 
  background-image: linear-gradient(135deg, #38d48d, var(--gold)); 
  color: #fff; font-weight: 600; font-size: 0.85rem; padding: 9px 20px; border-radius: 999px; 
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
  position: relative; z-index: 1;
}
.nav-btn:hover { 
  transform: translateY(-2px); 
  box-shadow: 0 8px 20px rgba(56, 212, 141, 0.3);
}
.nav-btn:active { transform: translateY(0) scale(0.96); transition-duration: 0.1s; }
.hamburger { display: none; flex-direction: column; gap: 6px; cursor: pointer; transition: 0.3s; padding: 5px; }
.hamburger span { width: 28px; height: 2px; background: var(--navy); border-radius: 2px; transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1); }
.hamburger.active span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: translateX(-10px); }
.hamburger.active span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

.mobile-menu { 
  display: flex !important;
  position: absolute; top: 100%; left: 0; width: 100%;
  background: rgba(255,255,255,0.98); 
  backdrop-filter: blur(15px);
  padding: 0 16px;
  flex-direction: column;
  gap: 0;
  border-bottom: 2px solid rgba(var(--accent-rgb), 0.12);
  box-shadow: 0 20px 40px rgba(17,24,39,0.08);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-10px);
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  z-index: 998;
}
.mobile-menu.open { 
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  padding: 16px;
}
.mobile-menu a { 
  color: var(--navy); font-size: 1.05rem; font-weight: 700; 
  padding: 14px 0; border-bottom: 1px solid rgba(var(--navy-rgb),0.06); 
  opacity: 0;
  transform: translateX(-10px);
  transition: all 0.4s ease-out;
}
.mobile-menu.open a { 
  opacity: 1;
  transform: translateX(0);
}
.mobile-menu a:nth-child(1) { transition-delay: 0.1s; }
.mobile-menu a:nth-child(2) { transition-delay: 0.15s; }
.mobile-menu a:nth-child(3) { transition-delay: 0.2s; }
.mobile-menu a:nth-child(4) { transition-delay: 0.25s; }
.mobile-menu a:nth-child(5) { transition-delay: 0.3s; }
.mobile-menu a:nth-child(6) { transition-delay: 0.35s; }

/* ─── HERO ──────────────────────────────────────────────── */
#hero {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 100px 0;
  margin-top: 72px;
  position: relative; overflow: hidden;
}
#hero::before {
  content: ''; position: absolute; top: -150px; right: -150px;
  width: 600px; height: 600px; border-radius: 50%;
  background: radial-gradient(circle, rgba(56, 212, 141, 0.08), transparent 70%);
  filter: blur(80px); pointer-events: none;
}

.hero-tag { 
  background: rgba(56, 212, 141, 0.1); 
  color: #a8f0d4; 
  border: 1px solid rgba(56, 212, 141, 0.2); 
  border-radius: 99px; 
  padding: 6px 18px; 
  font-size: 0.72rem; 
  font-weight: 700; 
  letter-spacing: 0.08em; 
  text-transform: uppercase;
  display: inline-flex; align-items: center; gap: 8px; 
  margin-bottom: 24px; 
}

.hero-title { font-family: 'Gilroy', sans-serif; font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 800; color: #fff; line-height: 1.1; margin-bottom: 24px; }
.hero-title span { color: #38d48d; }
.hero-sub { font-size: 1.1rem; color: rgba(255,255,255,0.8); line-height: 1.7; margin-bottom: 40px; max-width: 560px; }

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 56px; }

.btn-hero-primary { 
  background: var(--green);
  background-image: linear-gradient(135deg, #38d48d 0%, #1e9d60 100%); 
  color: #fff !important; 
  padding: 16px 36px; 
  border-radius: 99px; 
  font-weight: 700; 
  font-size: 0.95rem; 
  text-decoration: none; 
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  display: inline-flex; align-items: center; 
  gap: 14px;
  border: none;
  position: relative; z-index: 1;
}
.btn-hero-primary:hover { 
  transform: translateY(-4px); 
  box-shadow: 0 12px 30px rgba(56, 212, 141, 0.4);
}
.btn-hero-primary:active { transform: translateY(-1px) scale(0.97); transition-duration: 0.1s; }

.btn-hero-white { 
  background: transparent; 
  color: #fff !important; 
  padding: 16px 36px; 
  border-radius: 99px; 
  font-weight: 700; 
  font-size: 0.95rem; 
  text-decoration: none; 
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  display: inline-flex; align-items: center; 
  gap: 14px;
  border: 1.5px solid #fff;
  position: relative; z-index: 1;
}
.btn-hero-white:hover { 
  transform: translateY(-4px); 
  box-shadow: 0 12px 30px rgba(255, 255, 255, 0.3);
  background: rgba(255,255,255,0.05);
}
.btn-hero-white:active { transform: translateY(-1px) scale(0.97); transition-duration: 0.1s; }

.hero-trust { display: flex; gap: 32px; flex-wrap: wrap; margin-top: 32px; }
.trust-item { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.91); font-size: 0.88rem; font-weight: 500; }
.trust-item img { width: 18px; height: 18px; object-fit: contain; flex-shrink: 0; }
.hero-card {
  background: rgba(255,255,255,0.05); 
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 24px; 
  padding: 32px 24px 24px;
  backdrop-filter: blur(18px);
  box-shadow: 0 30px 80px rgba(0,0,0,0.3);
}
.hero-card-title { color: #fff; font-size: 1.2rem; margin-bottom: 24px; font-weight: 700; letter-spacing: -0.01em; }
.loan-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 576px) { .loan-grid { grid-template-columns: 1fr 1fr; } .span-full { grid-column: 1 / -1; } }

.loan-item { 
  background: rgba(8, 6, 43, 0.323); 
  border-radius: 16px; 
  padding: 16px 20px; 
  display: flex; align-items: center; justify-content: space-between;
  border: 2px solid rgba(255, 255, 255, 0.05);
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  cursor: pointer;
}
.loan-item:hover { 
  background: rgba(5, 2, 38, 0.85); 
  border-color: rgba(56, 212, 141, 0.6);
  transform: translateX(6px); 
  box-shadow: 0 10px 30px rgba(0,0,0,0.2);
}

.loan-name { color: #fff; font-size: 0.95rem; font-weight: 700; margin-bottom: 4px; }
.loan-desc { color: #38d48d; font-size: 0.78rem; font-weight: 600; }

.loan-icon-box { 
  width: 46px; height: 46px; 
  background: #38d48d; 
  border-radius: 12px; 
  display: flex; align-items: center; justify-content: center; 
  flex-shrink: 0;
  box-shadow: 0 6px 15px rgba(56,212,141,0.2);
}
.loan-icon-box img { width: 28px; height: 28px; object-fit: contain; }

.hero-cta-bar { 
  display: flex !important; 
  align-items: center; 
  justify-content: space-between; 
  background: var(--green);
  background-image: linear-gradient(135deg, #38d48d 0%, #1e9d60 100%); 
  border-radius: 12px; 
  padding: 16px 24px; 
  font-size: 0.9rem; 
  font-weight: 700; 
  color: #fff !important; 
  text-decoration: none;
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  margin-top: 20px;
  position: relative; z-index: 1;
}
.hero-cta-bar:hover { 
  transform: scale(1.02);
  box-shadow: 0 12px 30px rgba(255, 255, 255, 0.3);
}
.hero-cta-bar:hover .cta-link { color: #fff !important; }
.cta-link { font-weight: 800; border-bottom: none; display: flex; align-items: center; gap: 8px; }

/* ─── STATS BAR ─────────────────────────────────────────── */
.stats-bar { background: linear-gradient(180deg, #f7fffb 0%, #eefaf4 100%); border-bottom: 1px solid var(--gray2); }
.stats-inner { display: flex; justify-content: space-between; align-items: stretch; }
.stat-item { flex: 1; padding: 29px 20px; text-align: center; border-right: 1px solid var(--gray2); }
.stat-item:last-child { border-right: none; }
.stat-num { font-family: 'DM Sans', sans-serif; font-size: 1.8rem; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: -0.02em; }
.stat-label { font-size: 0.8rem; color: var(--text2); margin-top: 2px; }
.stat-accent { color: var(--gold); }

/* ─── SERVICES ──────────────────────────────────────────── */
#services { padding: 90px 0; background: var(--white); }
.services-header { text-align: center; margin-bottom: 50px; }
.service-card {
  flex: 0 1 calc(33.333% - 16px);
  min-width: 320px;
  background: linear-gradient(180deg, #ffffff 0%, #fbfffd 100%); border: 1.5px solid var(--gray2); border-radius: var(--radius-lg);
  padding: 32px 28px; transition: all 0.3s; position: relative; overflow: hidden;
  display: flex;
  flex-direction: column;
}
.service-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold), var(--navy)); transform: scaleX(0); transform-origin: left; transition: transform 0.35s; }
.service-card:hover { box-shadow: var(--shadow-lg); border-color: transparent; transform: translateY(-4px); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon-wrap { 
    width: 56px; height: 56px; background: rgba(var(--accent-rgb),0.12); 
    border-radius: 14px; display: flex; align-items: center; justify-content: center; 
    margin-bottom: 18px; box-shadow: inset 0 0 0 1px rgba(var(--accent-rgb),0.08); 
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}
.service-icon-wrap img { width: 34px; height: 34px; object-fit: contain; transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1); }
.service-card:hover .service-icon-wrap { transform: scale(1.05); background: rgba(var(--accent-rgb),0.18); }
.service-card:hover .service-icon-wrap img { transform: scale(1.1); }

.service-card h3 { font-family: 'Gilroy', sans-serif; font-size: 1.15rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p { font-size: 0.9rem; color: var(--text2); line-height: 1.65; margin-bottom: 18px; }
.service-card ul { list-style: none; display: flex; flex-direction: column; gap: 7px; }
.service-card ul li { font-size: 0.85rem; color: var(--text2); display: flex; align-items: center; gap: 8px; }
.service-card ul li::before { 
    content: ''; 
    width: 16px; height: 16px; 
    background: url('../../images/Tick.png') no-repeat center; 
    background-size: contain; 
    flex-shrink: 0; 
    margin-top: 1px;
}
.service-link { margin-top: auto; padding-top: 20px; color: var(--gold); font-weight: 600; font-size: 0.88rem; display: flex; align-items: center; gap: 4px; transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); }
.service-link:hover { gap: 8px; color: var(--navy); }
.services-grid { 
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
}

/* ─── WHY SPARFIN ───────────────────────────────────────── */
#why { padding: 90px 0; background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%); }
#why .section-tag,
#contact .section-tag,
#vision-mission .section-tag,
.calc-header .section-tag {
  color: var(--gold-lt);
  background: rgba(var(--accent-rgb),0.16);
  border-color: rgba(var(--accent-rgb),0.28);
}
#why .section-title { color: #fff; }
#why .section-sub { color: rgba(255,255,255,0.76); }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.why-card { 
  background: rgba(255,255,254,0.04); 
  border: 1.5px solid rgba(255,255,255,0.12); 
  border-radius: 24px; 
  padding: 40px; 
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1); 
  position: relative;
  overflow: hidden;
}
.why-card:hover { 
  background: rgba(255,255,255,0.08); 
  border-color: rgba(56,212,141,0.5); 
  transform: translateY(-5px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.3);
}

.why-icon-box { 
  width: 64px; height: 64px; 
  background: #38d48d; 
  border-radius: 50%; 
  display: flex; align-items: center; justify-content: center; 
  margin-bottom: 24px; 
}
.why-icon-box img { width: 48px; height: 48px; object-fit: contain; }

.why-card h3 { 
  color: #38d48d; 
  font-size: 1.35rem; 
  font-weight: 700; 
  margin-bottom: 12px; 
  font-family: 'DM Sans', sans-serif;
}
.why-card p { 
  color: rgba(255,255,255,0.85); 
  font-size: 0.95rem; 
  line-height: 1.6; 
}



/* ─── ABOUT SPARFIN ─────────────────────────────────────── */
.about-section { padding: 100px 0; background: #fff; position: relative; overflow: hidden; }
.about-section .section-title { color: var(--navy) !important; }
.about-section .section-sub { color: var(--text2) !important; }
.about-section .section-tag { color: var(--teal); background: rgba(56, 212, 141, 0.1); border-color: rgba(56, 212, 141, 0.2); }

.about-card { background: #F9FBFF; border: 1px solid var(--gray2); border-top: 3px solid var(--gold); box-shadow: 0 4px 14px rgba(0,0,0,0.03); transition: all 0.3s; padding: 40px; border-radius: 20px; }
.about-card:hover { background: #fff; border-color: var(--teal); border-top-color: var(--teal); transform: translateY(-5px); box-shadow: 0 12px 30px rgba(0,0,0,0.08); }
.about-card h3 { color: var(--navy); font-size: 1.2rem; margin-bottom: 12px; }
.about-card p { color: var(--text2); font-size: 0.95rem; line-height: 1.6; }
.about-card .why-num { font-size: 2.5rem; font-weight: 800; color: rgb(0, 3, 156); margin-bottom: 16px; line-height: 1; }

/* ─── PROCESS ───────────────────────────────────────────── */
#process { padding: 90px 0; background: var(--cream); }
.process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px 24px; margin-top: 50px; position: relative; }
.process-steps::after { content: ''; position: absolute; top: 40px; left: calc(12.5% + 10px); right: calc(12.5% + 10px); height: 2px; background: linear-gradient(90deg, rgba(var(--accent-rgb),0.95), rgba(var(--navy-rgb),0.24)); z-index: 0; }
.process-step { text-align: center; padding: 0 20px; position: relative; z-index: 1; }
.step-circle { 
    width: 80px; height: 80px; border-radius: 50%; background: var(--white); 
    border: 2px solid var(--gray2); display: flex; align-items: center; justify-content: center; 
    font-size: 1.6rem; margin: 0 auto 20px; box-shadow: var(--shadow); 
    position: relative; transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1); 
    background-size: 50% auto; background-position: center; background-repeat: no-repeat; 
    z-index: 1;
}
/* Hover overlay for smooth icon fade */
.step-circle::before {
    content: '';
    position: absolute; top: -2px; left: -2px; right: -2px; bottom: -2px;
    border-radius: 50%;
    background-color: var(--navy);
    background-size: 50% auto; background-position: center; background-repeat: no-repeat;
    opacity: 0;
    transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: -1;
}

.step-icon-1 { background-image: url('../../images/hb1.png'); }
.step-icon-2 { background-image: url('../../images/hb2.png'); }
.step-icon-3 { background-image: url('../../images/hb3.png'); }
.step-icon-4 { background-image: url('../../images/hb4.png'); }

.step-icon-1::before { background-image: url('../../images/hw1.png'); }
.step-icon-2::before { background-image: url('../../images/hw2.png'); }
.step-icon-3::before { background-image: url('../../images/hw3.png'); }
.step-icon-4::before { background-image: url('../../images/hw4.png'); }

.process-step:hover .step-circle::before { opacity: 1; }
.process-step:hover .step-circle { border-color: var(--navy); }

.step-num { position: absolute; top: -6px; right: -6px; width: 26px; height: 26px; background: var(--gold); border-radius: 50%; color: #fff; font-size: 0.7rem; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.process-step h3 { font-family: 'Gilroy', sans-serif; font-size: 1rem; color: var(--navy); margin-bottom: 8px; font-weight: 700; }
.process-step p { font-size: 0.85rem; color: var(--text2); line-height: 1.6; }

/* ─── EMI CALCULATOR ────────────────────────────────────── */
/* #calculator { padding: 90px 0; background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%); position: relative; } */
#calculator { padding: 90px 0; background: #251191; position: relative; }
.calc-header { margin-bottom: 50px; text-align: center; position: relative; z-index: 2; }
.planning-pill {
    display: inline-block;
    padding: 6px 20px;
    background: rgba(56, 212, 141, 0.05);
    border: 1px solid rgba(56, 212, 141, 0.3);
    color: #38d48d;
    border-radius: 50px;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    margin-bottom: 20px;
    text-transform: uppercase;
}
.calc-header .section-title { color: #fff; margin-bottom: 12px; font-size: 2.8rem; font-weight: 800; letter-spacing: -0.02em; }
.calc-header .section-sub { color: rgba(255,255,255,0.72); max-width: 600px; margin: 0 auto; font-size: 0.95rem; }

.calc-body { 
    display: grid; 
    grid-template-columns: 1fr 1fr; 
    gap: 80px; 
    align-items: start; 
}

/* Left Side: Inputs */
.calc-inputs-side { display: flex; flex-direction: column; gap: 40px; }
.input-group label { 
    display: block; 
    color: rgba(255,255,255,0.85); 
    font-size: 0.95rem; 
    margin-bottom: 20px; 
    font-weight: 500;
}
.input-row { display: flex; align-items: center; gap: 32px; }

/* Custom Sliders */
input[type=range] {
    -webkit-appearance: none;
    appearance: none;
    flex: 1;
    height: 2px;
    background: rgb(255, 255, 255) !important;
    border-radius: 5px;
    outline: none;
    cursor: pointer;
    --range-progress: 0%;
}
input[type=range]::-webkit-slider-runnable-track {
    background: linear-gradient(to right, #38d48d var(--range-progress), rgba(255,255,255,0.1) var(--range-progress));
    height: 2px;
    border-radius: 5px;
}
input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none;
    height: 14px;
    width: 14px;
    border-radius: 50%;
    background: #38d48d;
    cursor: pointer;
    box-shadow: 0 0 15px rgba(56,212,141,0.6);
    border: none;
    transition: transform 0.2s;
    margin-top: -6px; /* Centering node on 2px track */
}
input[type=range]:active::-webkit-slider-thumb { transform: scale(1.3); }

/* Firefox support */
input[type=range]::-moz-range-thumb {
    height: 14px;
    width: 14px;
    border-radius: 50%;
    background: #38d48d;
    cursor: pointer;
    border: none;
}
input[type=range]::-moz-range-track {
    background: #38d48d;
    height: 2px;
    border-radius: 5px;
}

.calc-value-box {
    background: #080151;
    border: 1px solid rgba(4, 211, 142, 0.621);
    border-radius: 100px;
    padding: 12px 18px;
    min-width: 100px;
    text-align: center;
    box-shadow: inset 0 2px 4px rgba(0,0,0,0.3);
}
.calc-value-box input {
    background: transparent;
    border: none;
    color: #fff;
    font-weight: 700;
    font-size: 0.95rem;
    width: 100%;
    text-align: center;
    outline: none;
}

.calc-pro-tip {
    margin-top: 20px;
    color: rgba(255,255,255,0.6);
    font-size: 0.95rem;
    line-height: 1.6;
    max-width: 650px;
}
.pro-tag { color: #38d48d; font-weight: 700; margin-right: 4px; }
.calc-divider { border: 0; border-top: 1px solid rgba(255,255,255,0.08); margin: 40px 0 32px; width: 100%; }
.calc-disclaimer { color: rgba(255,255,255,0.45); font-size: 0.88rem; line-height: 1.6; max-width: 600px; }

/* Right Side: Result Card */
.calc-card {
    background: #080151;
    border-radius: 32px;
    padding: 60px 48px;
    box-shadow: 0 50px 120px rgba(0, 23, 97, 0.5);
    border: 1.5px solid rgba(255,255,255,0.06);
}
.emi-display { text-align: center; margin-bottom: 48px; }
.emi-label { color: rgba(255,255,255,0.85); font-size: 0.9rem; margin-bottom: 2px; }
.emi-amount { color: #38d48d; font-size: 4rem; font-weight: 800; font-family: 'DM Sans', sans-serif; letter-spacing: -0.01em; line-height: 1; }
.emi-unit { color: rgba(255,255,255,0.72); font-size: 0.95rem; margin-top: 4px; }

.emi-breakdown-pills { display: flex; flex-direction: column; gap: 14px; margin-bottom: 40px; }
.breakdown-pill {
    background: #060138b1;
    border: 1px solid rgba(8, 212, 120, 0.614);
    border-radius: 100px;
    padding: 18px 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    box-shadow: inset 0 2px 4px rgba(0,0,0,0.3);
}
.breakdown-pill span:first-child { color: rgba(8, 212, 120, 0.794); font-size: 0.9rem; font-weight: 700; }
.breakdown-pill span:last-child { color: #fff; font-weight: 700; font-size: 1.05rem; }

.btn-calc-cta {
    width: 100%;
    background: #38d48d;
    background-image: linear-gradient(135deg, #38d48d 0%, #2cb576 100%);
    color: #fff;
    border: none;
    padding: 20px;
    border-radius: 100px;
    font-size: 1.05rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 10px 25px rgba(56, 212, 141, 0.25);
    position: relative; overflow: hidden; z-index: 1;
}
.btn-calc-cta::before {
    content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 100%;
    background: linear-gradient(135deg, #2cb576 0%, #1e9d60 100%);
    opacity: 0; z-index: -1; transition: opacity 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
.btn-calc-cta:hover::before { opacity: 1; }
.btn-calc-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 15px 30px rgba(56, 212, 141, 0.35);
}
.btn-calc-cta:active { transform: translateY(0) scale(0.98);
    box-shadow: 0 15px 30px rgba(56, 212, 141, 0.35); transition-duration: 0.1s; }

/* ─── BANKS ─────────────────────────────────────────────── */
#banks { padding: 60px 0; background: linear-gradient(180deg, #eefaf4 0%, #f7fffb 100%); }
.banks-header { text-align: center; margin-bottom: 36px; }
.banks-title { font-size: 0.85rem; font-weight: 600; color: var(--text2); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 8px; }
.banks-sub { font-family: 'Gilroy', sans-serif; font-size: 1.4rem; color: var(--navy); }
.banks-grid { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.bank-pill { background: var(--white); border: 1.5px solid var(--gray2); border-radius: 8px; padding: 12px 22px; font-size: 0.88rem; font-weight: 600; color: var(--navy); transition: all 0.2s; }
.bank-pill:hover { border-color: var(--gold); color: var(--gold); box-shadow: 0 8px 20px rgba(var(--accent-rgb),0.16); }

/* ─── TESTIMONIALS ──────────────────────────────────────── */
#testimonials { padding: 90px 0; background: var(--white); }
.testi-header { text-align: center; margin-bottom: 50px; }
.testi-card { background: var(--gray1); border-radius: var(--radius-lg); padding: 32px; border: 1.5px solid var(--gray2); transition: all 0.3s; }
.testi-card:hover { box-shadow: var(--shadow-lg); border-color: var(--gold); }
.stars { color: #FFB800; font-size: 1.1rem; margin-bottom: 14px; letter-spacing: 3px; transition: all 0.3s ease; }
.testi-card:hover .stars { text-shadow: 0 0 8px rgba(255, 184, 0, 0.8); }
.testi-text { font-size: 0.95rem; color: var(--text2); line-height: 1.75; font-style: italic; margin-bottom: 22px; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--gold-lt); display: flex; align-items: center; justify-content: center; font-family: 'Gilroy', sans-serif; font-weight: 700; font-size: 1rem; flex-shrink: 0; }
.author-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.author-detail { font-size: 0.78rem; color: var(--text2); }
.loan-badge { display: inline-block; background: rgba(var(--accent-rgb),0.1); color: var(--gold); font-size: 0.72rem; font-weight: 600; padding: 2px 10px; border-radius: 12px; margin-top: 4px; }

/* ─── FAQ ───────────────────────────────────────────────── */
#faq { padding: 90px 0; background: var(--cream); }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px 48px; }
.faq-item { border-bottom: 1px solid var(--gray2); }
.faq-q { width: 100%; text-align: left; padding: 22px 0; display: flex; justify-content: space-between; align-items: center; background: none; color: var(--navy); font-size: 0.95rem; font-weight: 600; gap: 12px; line-height: 1.4; }
.faq-q .icon { width: 24px; height: 24px; background: var(--navy); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; transition: all 0.3s; }
.faq-item.open .faq-q .icon { background: var(--gold); transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.3s; font-size: 0.9rem; color: var(--text2); line-height: 1.7; }
.faq-item.open .faq-a { max-height: 200px; padding-bottom: 22px; }

/* ─── CONTACT / LEAD FORM ───────────────────────────────── */
#contact { padding: 90px 0; background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 60px; align-items: start; }
.contact-action-side { padding-top: 40px; }
.contact-info .section-title { color: #fff; }
.contact-info .section-sub { color: rgba(255,255,255,0.78); }
.contact-details { margin-top: 36px; display: flex; flex-direction: column; gap: 18px; }
.contact-row { display: flex; align-items: flex-start; gap: 14px; }
.c-icon { width: 46px; height: 46px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all 0.3s; }
.c-icon img { width: 26px; height: 26px; object-fit: contain; }
.contact-row:hover .c-icon { background: rgba(var(--accent-rgb),0.15); border-color: rgba(var(--accent-rgb),0.3); transform: scale(1.05); }
.c-label { font-size: 0.78rem; color: rgba(255,255,255,0.68); margin-bottom: 2px; text-transform: uppercase; letter-spacing: 0.08em; }
.c-value { color: #fff; font-size: 0.95rem; font-weight: 500; transition: color 0.3s ease; }
.contact-row:hover .c-value { color: var(--gold); }
.contact-row:hover .c-label { color: rgba(255,255,255,0.9); }
.whatsapp-box { 
  margin-top: 20px; background: rgba(37,211,102,0.1); border: 1px solid rgba(37,211,102,0.25); 
  border-radius: 20px; padding: 24px; display: flex; align-items: center; gap: 16px; width: 100%; transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1); 
}
.whatsapp-box:hover { background: rgba(37,211,102,0.14); border-color: rgba(37,211,102,0.4); box-shadow: 0 15px 35px rgba(5,8,40,0.15); }
.whatsapp-box p { color: rgba(255,255,255,0.82); font-size: 0.85rem; }
.whatsapp-box strong { color: #fff; display: block; margin-bottom: 4px; }

/* Lead Form */
.lead-form-card { background: var(--white); border-radius: var(--radius-lg); padding: 36px; }
.form-title { font-family: 'Gilroy', sans-serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 6px; }
.form-sub { font-size: 0.85rem; color: var(--text2); margin-bottom: 24px; }
.form-progress { display: flex; gap: 6px; margin-bottom: 28px; }
.prog-step { flex: 1; height: 4px; background: var(--gray2); border-radius: 2px; transition: background 0.3s; }
.prog-step.active { background: var(--gold); }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step-title { font-size: 0.78rem; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-row.full { grid-template-columns: 1fr; }
.form-field { display: flex; flex-direction: column; gap: 5px; }
.form-field label { font-size: 0.8rem; font-weight: 600; color: var(--text); }
.form-field input,
.form-field select,
.form-field textarea { font-family: 'DM Sans', sans-serif; font-size: 16px; padding: 11px 14px; border: 1.5px solid var(--gray2); border-radius: 12px; color: var(--text); background: #fff; transition: border 0.2s; outline: none; width: 100%; }
.form-field input:focus,
.form-field select:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(var(--accent-rgb),0.12); }
.form-field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239BA3B8' stroke-width='1.5' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; }
.form-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 20px; }
.form-back { color: var(--text2); font-size: 0.88rem; font-weight: 500; background: none; border: none; cursor: pointer; }
.form-next { background: var(--gold); color: #fff; font-weight: 600; font-size: 0.9rem; padding: 12px 28px; border-radius: 12px; transition: all 0.2s; }
.form-next:hover { background: #20b26e; }
.form-submit { width: 100%; background: var(--navy); color: #fff; font-weight: 700; font-size: 1rem; padding: 15px; border-radius: 12px; transition: all 0.2s; letter-spacing: 0.02em; }
.form-submit:hover { background: var(--navy2); }
.form-privacy { font-size: 0.72rem; color: var(--gray3); margin-top: 10px; text-align: center; line-height: 1.5; }
.form-privacy a { color: var(--gold); }
.success-state { display: none; text-align: center; padding: 20px 0; }
.success-state.show { display: block; }
.success-icon { font-size: 3rem; margin-bottom: 16px; }
.success-state h3 { font-family: 'Gilroy', sans-serif; font-size: 1.5rem; color: var(--navy); margin-bottom: 8px; }
.success-state p { color: var(--text2); font-size: 0.95rem; line-height: 1.6; }

/* ─── FORM VALIDATION ───────────────────────────────────── */
.form-field.error input,
.form-field.error select,
.form-field.error textarea {
    border-color: #ff4d4d !important;
    background-color: #fff9f9;
}
.error-msg {
    color: #ff4d4d;
    font-size: 0.68rem;
    font-weight: 600;
    margin-top: 2px;
    height: 0;
    opacity: 0;
    overflow: hidden;
    transition: all 0.2s ease-in-out;
    display: block;
}
.form-field.error .error-msg {
    height: 14px;
    opacity: 1;
    margin-top: 4px;
}

@keyframes shake {
    0%, 100% { transform: translateX(0); }
    25% { transform: translateX(-5px); }
    75% { transform: translateX(5px); }
}
.shake { animation: shake 0.3s ease-in-out; }

/* ─── FOOTER ────────────────────────────────────────────── */
footer { background: linear-gradient(180deg, #12074d 0%, #0d0637 100%); color: rgba(255,255,255,0.55); }
.footer-top { padding: 60px 0 40px; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.footer-logo { display: block; margin-bottom: 12px; width: fit-content; overflow: visible; }
.footer-logo .logo-badge { background: none; }
.footer-desc { font-size: 0.85rem; line-height: 1.7; margin-bottom: 24px; position: relative; z-index: 2; }
.footer-social { display: flex; gap: 10px; }
.social-btn { width: 38px; height: 38px; background: rgba(255,255,255,0.08); border-radius: 10px; display: flex; align-items: center; justify-content: center; transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); border: 1px solid rgba(255,255,255,0.05); }
.social-btn img { width: 20px; height: 20px; object-fit: contain; transition: transform 0.3s; }
.social-btn:hover { background: var(--gold); border-color: var(--gold); transform: translateY(-4px); box-shadow: 0 8px 16px rgba(var(--accent-rgb),0.25); }
.social-btn:hover img { transform: scale(1.1); filter: brightness(0) invert(1); }
.footer-col h4 { color: #fff; font-size: 0.88rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.85rem; transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold-lt); }
.acc-icon { display: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.06); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 0.78rem; }
.footer-links { display: flex; gap: 20px; }
.footer-links a { font-size: 0.78rem; }
.footer-links a:hover { color: var(--gold-lt); }
.disclaimer { background: #090329; padding: 18px 0; }
.disclaimer p { font-size: 0.72rem; color: rgba(255,255,255,0.3); line-height: 1.65; text-align: center; }

/* ─── QUICK ACTIONS (FLOATING & MOBILE BAR) ───────────────── */
.qa-floating-group {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 1000;
    display: flex;
    flex-direction: column;
    gap: 28px;
    align-items: flex-end;
}


.qa-btn {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 15px rgba(9, 186, 101, 0.919);
    transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    position: relative;
    cursor: pointer;
}

.qa-btn img {
    object-fit: contain;
}


.qa-btn-call {
    background: #25D366;
    box-shadow: 0 4px 15px rgba(9, 186, 101, 0.919);
    border: none;
}

.qa-btn-enquiry {
    background: #25D366;
    box-shadow: 0 4px 15px rgba(9, 186, 101, 0.919);
    border: none;
}

.qa-btn-wa {
    background: #25D366;
    box-shadow: 0 4px 15px rgba(9, 186, 101, 0.919);
}

@keyframes waPulse {
    0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.3), 0 4px 15px rgba(0,0,0,0.2); }
    70% { box-shadow: 0 0 0 15px rgba(37, 211, 102, 0), 0 4px 15px rgba(0,0,0,0.1); }
    100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0), 0 4px 15px rgba(0,0,0,0.2); }
}

.qa-btn:hover {
    transform: scale(1.05);
    box-shadow: 0 0 0 14px rgba(2, 112, 8, 0.05), 0 8px 25px rgba(4, 97, 37, 0.3);
}


.qa-tooltip {
    position: absolute;
    right: 64px;
    background: var(--navy2);
    color: #fff;
    padding: 6px 14px;
    border-radius: 8px;
    font-size: 0.82rem;
    font-weight: 600;
    white-space: nowrap;
    opacity: 0;
    visibility: hidden;
    transform: translateX(10px);
    transition: all 0.3s ease;
    pointer-events: none;
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}

.qa-btn:hover .qa-tooltip {
    opacity: 1;
    visibility: visible;
    transform: translateX(0);
}

/* Mobile Sticky Bar */
.mobile-action-bar {
    position: fixed;
    bottom: 0; 
    left: 0;
    width: 100%;
    background: #fff;
    display: none;
    grid-template-columns: repeat(3, 1fr);
    box-shadow: 0 -8px 30px rgba(0,0,0,0.1);
    z-index: 2000;
    padding: 10px 0 calc(env(safe-area-inset-bottom) + 12px);
    border-top: 1px solid rgba(0,0,0,0.05);
}


.ma-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
    text-decoration: none;
    border-right: 1px solid rgba(0,0,0,0.06);
}

.ma-item:last-child {
    border-right: none;
}

.ma-icon {
    width: 24px;
    height: 24px;
    margin-bottom: 2px;
    object-fit: contain;
}

.ma-item span {
    font-size: 0.7rem;
    font-weight: 800;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: 0.02em;
}


/* ─── DOCUMENTATION CHECKLIST ───────────────────────────── */
#documentation { padding: 90px 0; background: var(--white); }
.checklist-header { text-align: center; margin-bottom: 50px; }

.checklist-tabs-wrapper {
  display: flex;
  justify-content: center;
  margin-bottom: 40px;
}

.checklist-tabs {
  display: inline-flex;
  background: var(--gray1);
  padding: 6px;
  border-radius: 100px;
  border: 1px solid var(--gray2);
  gap: 4px;
}

.tab-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 24px;
  border-radius: 100px;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text2);
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
  background: transparent;
}

.tab-btn .tab-icon {
  font-size: 1.1rem;
}

.tab-btn:hover {
  color: var(--navy);
}

.tab-btn.active {
  background: var(--white);
  color: var(--navy);
  box-shadow: 0 4px 12px rgba(var(--navy-rgb), 0.08);
}

.checklist-tab-panel {
  display: none;
  animation: fadeIn 0.5s ease;
}

.checklist-tab-panel.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

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

.checklist-column {
  background: #fff;
  border: 1.5px solid var(--gray2);
  border-radius: var(--radius-lg);
  padding: 40px;
  height: 100%;
}

.column-title {
  font-family: 'Gilroy', sans-serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--gray1);
  display: flex;
  align-items: center;
  gap: 12px;
}

.doc-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.doc-list li {
  font-size: 0.95rem;
  color: var(--text2);
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.doc-list li::before {
  content: '';
  width: 18px;
  height: 18px;
  background: url('../../images/Tick.png') no-repeat center;
  background-size: contain;
  margin-top: 4px;
  flex-shrink: 0;
}

.doc-list-legal li::before {
  filter: hue-rotate(220deg); /* Adjusting color for legal vs personal if desired */
}

.checklist-cta {
  text-align: center;
  margin-top: 60px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}

.checklist-cta p {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
}

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

@media (max-width: 1440px) {
    .qa-btn {
        width: 42px;
        height: 42px;
    }
    .qa-btn img {
        width: 22px;
        height: 22px;
    }
    .qa-floating-group {
        gap: 12px;
        bottom: 60px;
        right: 20px;
    }
}

@media (max-width: 768px) {
    .qa-floating-group {
        display: none; /* Hide floating on mobile */
    }
    .mobile-action-bar {
        display: grid;
    }
}


/* ─── ANIMATIONS ────────────────────────────────────────── */
.reveal {
  opacity: 0;
  transition: all 0.8s cubic-bezier(0.165, 0.84, 0.44, 1);
  will-change: opacity, transform;
}
.reveal-up { transform: translateY(40px); }
.reveal-pop { transform: scale(0.92); }
.reveal-left { transform: translateX(-40px); }
.reveal-right { transform: translateX(40px); }

.reveal.active {
  opacity: 1;
  transform: translate(0) scale(1);
}

/* Staggered delays for grids */
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media (max-width: 1200px) {
  .container { padding: 0 40px; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-inner { height: 72px; padding: 0; }
  .logo-badge { width: 115px; height: 80px; }

  #hero { padding: 60px 0 70px; }
  .hero-title { font-size: clamp(2.1rem, 4.2vw, 2.6rem); line-height: 1.15; }
  .hero-sub { font-size: 0.95rem; margin-bottom: 24px; }
  .hero-actions { margin-bottom: 32px; gap: 12px; }
  .btn-hero-primary, .btn-hero-white { padding: 12px 24px; font-size: 0.88rem; gap: 10px; }
  
  .hero-card { padding: 22px; }
  .loan-grid { gap: 10px; }
  .loan-item { padding: 12px 16px; border-radius: 12px; }
  .loan-icon-box { width: 38px; height: 38px; }
  .loan-icon-box img { width: 20px; height: 20px; }
  .loan-name { font-size: 0.88rem; }
  .loan-desc { font-size: 0.72rem; }
  .hero-cta-bar { padding: 12px 18px; font-size: 0.8rem; margin-top: 15px; }

  .stat-item { padding: 22px 10px; }
  .stat-num { font-size: 1.4rem; }
  .stat-label { font-size: 0.75rem; }

  /* Section Spacing Optimization */
  #services, #why, .about-section, #process, #testimonials, #calculator, #contact, #faq {
    padding: 60px 0 !important;
  }

  /* Privacy Policy Modal Scaling */
  .pp-wrapper { max-width: 640px; }
  .pp-header { padding: 32px 32px 28px; }
  .pp-header-title { font-size: 1.6rem; }
  .pp-header-badge { width: 38px; height: 38px; margin-bottom: 12px; }
  .pp-body { padding: 24px 32px 32px; }
  .pp-section { margin-bottom: 24px; padding-bottom: 24px; }
  .pp-section-title { font-size: 1.1rem; }
  .pp-date-bar { margin-bottom: 24px; gap: 12px; }
  .pp-date-item { padding: 10px 15px; font-size: 0.78rem; }
  .pp-close { right: -10px; top: -10px; }

  /* EMI Calculator Side-by-Side on Tablet */
  .calc-body { grid-template-columns: 1.1fr 1fr; gap: 40px; }
  .calc-card { padding: 40px 30px; }
  .emi-amount { font-size: 2.8rem; }

  /* Testimonials 2-column for Tablet */
  #testimonials .grid-3 { grid-template-columns: repeat(2, 1fr); gap: 20px; }

  /* Contact & Footer Scaling */
  .contact-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .contact-action-side { padding-top: 0; }
  .contact-info .section-title { font-size: 2rem; }
  .contact-details { margin-top: 24px; gap: 12px; }
  .c-icon { width: 40px; height: 40px; }
  .c-icon img { width: 22px; height: 22px; }
  .lead-form-card { padding: 28px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; padding: 40px 0; }
  .footer-logo { margin-bottom: 20px; }
  .footer-desc { font-size: 0.8rem; }
}

@media (max-width: 1024px) {
  .container { padding: 0 32px; }
  .faq-grid { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1.15fr 1fr; gap: 24px; }
  .calc-result-side { max-width: 500px; margin: 0 auto; width: 100%; }
  .contact-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .contact-action-side { padding-top: 0; }
  .quick-enquiry-card { padding: 32px 24px; }

  .why-grid, .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::after { display: none; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .service-card { flex: 0 1 calc(50% - 12px); }
}

@media (max-width: 768px) {
  #hero { padding: 40px 0 50px; }
  .hero-tag { margin-bottom: 16px; }
  .hero-actions { margin-bottom: 32px; }
  .grid-2, .calc-body, .contact-grid, .faq-grid { grid-template-columns: 1fr; }
  .container { padding: 0 22px; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-inner { height: 72px; padding: 0; }
  .logo-badge { width: 120px; height: 80px; }
  .hero-title { font-size: 2.2rem; }
  .hero-sub { font-size: 1rem; }
  .about-section, #why, #process, #testimonials, #calculator, #contact, #faq { padding: 50px 0 !important; }
  .why-grid, .grid-3, .grid-4, .process-steps { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .service-card { flex: 0 1 100%; }
  .stats-inner { flex-direction: column; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--gray2); padding: 19px 12px; }
  .stat-item:last-child { border-bottom: none; }
  .stat-num { font-size: 1.6rem; }
  
  .calc-inputs, .calc-result, .calc-header, .calc-cta-row { padding: 24px 20px; }
  .emi-amount { font-size: 2.4rem; }
  .calc-cta-row { flex-direction: column; gap: 16px; text-align: center; }
  .calc-disclaimer { margin: 0 auto; }
  
  .lead-form-card { padding: 24px 18px; }
  .form-row { grid-template-columns: 1fr; }
  .form-title { font-size: 1.25rem; }
  
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 16px; padding: 20px 22px; }
  .footer-links { justify-content: center; flex-wrap: wrap; }
  
  .footer-accordion h4 { display: flex; justify-content: space-between; align-items: center; cursor: pointer; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.06); margin-bottom: 0; }
  .footer-accordion .acc-icon { display: inline-block; font-size: 1.2rem; transition: transform 0.3s; }
  .footer-accordion ul { max-height: 0; overflow: hidden; transition: all 0.4s ease-out; margin-bottom: 0; opacity: 0; }
  .footer-accordion.open ul { max-height: 500px; padding: 16px 0; opacity: 1; }
  .footer-accordion.open .acc-icon { transform: rotate(45deg); }
  
  .contact-grid { gap: 40px; }
  .hero-cta-bar { padding: 14px 16px; font-size: 0.82rem; white-space: nowrap; }
  .cta-link { font-size: 0.95rem; text-decoration: none; white-space: nowrap; }
  .quick-enquiry-card { padding: 32px 24px; }
  .quick-enquiry-card h3 { font-size: 1.5rem; }
  
  /* Mobile Testimonials Carousel */
  #testimonials .grid-3 {
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    touch-action: pan-x; /* Stops diagonal page movement while swiping horizontally */
    align-items: stretch; /* Forces all cards to safely have the same height */
    gap: 16px;
    padding-bottom: 24px;
    scrollbar-width: none;
    -ms-overflow-style: none;
    margin-left: -22px;
    margin-right: -22px;
    padding-left: 22px;
    padding-right: 22px;
  }
  #testimonials .grid-3::-webkit-scrollbar { display: none; }
  #testimonials .testi-card {
    flex: 0 0 85%;
    scroll-snap-align: center;
    height: auto;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
  }
  .hero-cta-card { flex-direction: column; gap: 12px; text-align: center; border-radius: 12px; padding: 22px 16px; margin-top: 10px; }
  .whatsapp-box { flex-direction: column; text-align: center; gap: 12px; }
  .whatsapp-box a { width: 100%; justify-content: center; }
  .footer-logo { margin: 0 auto 24px; display: block; }
  .footer-logo .logo-lottie { transform: translate(-50%, -50%) scale(0.7); }
  .footer-desc { text-align: center; }
  .footer-social { justify-content: center; }
}

@media (max-width: 480px) {
  .container { padding: 0 20px; }
  .logo-badge { width: 110px; height: 80px; }
  .hero-title { font-size: 1.8rem; }
  .hero-actions .btn-primary, .hero-actions .btn-outline { width: 100%; justify-content: center; }
  .section-title { font-size: 1.8rem; }
  .calc-inputs, .calc-result, .calc-header { padding: 20px 16px; }
  .emi-amount { font-size: 1.95rem; }
  .hero-cta-bar { padding: 12px 14px; font-size: 0.78rem; border-radius: 10px; }
  .cta-link { font-size: 0.88rem; gap: 4px; }
  .modal-overlay { padding: 10px; }
  .modal-content { border-radius: 16px; }
}

/* ═══ MODAL ══════════════════════════════════════════════ */
.modal-overlay { position: fixed; top: 0; left: 0; width: 100%; height: 100%; background: rgba(var(--navy2-rgb),0.84); backdrop-filter: blur(8px); display: none; align-items: center; justify-content: center; z-index: 2000; padding: 20px; overflow: hidden; }
.modal-overlay.active { display: flex; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }

.modal-content { 
  background: #fff; border-radius: 20px; max-width: 600px; width: 100%; position: relative; max-height: 90vh; overflow-y: auto; overscroll-behavior: contain; box-shadow: 0 40px 100px -20px rgba(0,0,0,0.7); border: none; 
}
/* Thinner rounded green scrollbar for lead modal */
.modal-content::-webkit-scrollbar { width: 4px; }
.modal-content::-webkit-scrollbar-track { background: var(--gray1); }
.modal-content::-webkit-scrollbar-thumb { 
  background: var(--green); 
  border-radius: 20px; 
}
.modal-content::-webkit-scrollbar-thumb:hover { background: #1e9d60; }



.modal-close { 
  position: absolute; top: 24px; right: 24px; 
  background: var(--navy); border: 2px solid rgba(255,255,255,0.2); 
  color: #fff; font-size: 1.5rem; width: 44px; height: 44px; 
  border-radius: 50%; cursor: pointer; z-index: 3100; 
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275); 
  display: flex; align-items: center; justify-content: center; 
  font-weight: 300; line-height: 1; 
  box-shadow: 0 10px 30px rgba(0,0,0,0.3);
}
.modal-close:hover { 
  background: var(--navy2); border-color: var(--gold); 
  color: var(--gold); transform: scale(1.1) rotate(90deg); 
  box-shadow: 0 15px 45px rgba(0,0,0,0.4);
}

.quick-enquiry-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(var(--accent-rgb),0.16); padding: 40px; border-radius: 20px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center; transition: all 0.3s; box-shadow: 0 20px 50px rgba(5,8,40,0.12); }
.quick-enquiry-card:hover { border-color: var(--gold); background: rgba(255,255,255,0.08); }
.q-icon { font-size: 3rem; margin-bottom: 24px; }
.quick-enquiry-card h3 { font-family: 'Gilroy', sans-serif; font-size: 1.8rem; margin-bottom: 16px; color: var(--gold-lt); }
.quick-enquiry-card p { color: rgba(255,255,255,0.82); margin-bottom: 32px; line-height: 1.6; }

/* ── FORM VALIDATION & LOADING ──────────────────────────────── */
.error .error-msg { display: block; }
.error .form-field input, .error .form-field select { border-color: #ff4d4d !important; background-color: #fffafa !important; }
.error-msg { color: #ff4d4d; font-size: 0.72rem; font-weight: 600; margin-top: 4px; display: none; }

.shake { animation: shake 0.4s cubic-bezier(.36,.07,.19,.97) both; transform: translate3d(0, 0, 0); backface-visibility: hidden; perspective: 1000px; }
@keyframes shake {
  10%, 90% { transform: translate3d(-1px, 0, 0); }
  20%, 80% { transform: translate3d(2px, 0, 0); }
  30%, 50%, 70% { transform: translate3d(-4px, 0, 0); }
  40%, 60% { transform: translate3d(4px, 0, 0); }
}

.spinner {
  display: inline-block;
  width: 14px; height: 14px;
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 50%;
  border-top-color: #fff;
  animation: spin 0.8s linear infinite;
  margin-left: 8px;
  vertical-align: middle;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ═══ PRIVACY POLICY MODAL ══════════════════════════════ */
.pp-overlay {
  position: fixed; top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(var(--navy2-rgb), 0.88);
  backdrop-filter: blur(12px);
  display: none; align-items: center; justify-content: center;
  z-index: 3000; padding: 20px; overflow: hidden;
}
.pp-overlay.active {
  display: flex;
  animation: ppFadeIn 0.35s cubic-bezier(0.165, 0.84, 0.44, 1);
}
@keyframes ppFadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

.pp-wrapper {
  position: relative;
  width: 100%;
  max-width: 780px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.pp-modal {
  background: #fff;
  border-radius: 0;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  overscroll-behavior: contain;
  box-shadow: 0 60px 140px -30px rgba(0, 0, 0, 0.7), 0 0 0 1px rgba(255,255,255,0.06);
  position: relative;
  animation: ppSlideUp 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
}
@keyframes ppSlideUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Thinner rounded green scrollbar for legal modals */
.pp-modal::-webkit-scrollbar { width: 4px; }
.pp-modal::-webkit-scrollbar-track { background: var(--gray1); }
.pp-modal::-webkit-scrollbar-thumb { 
  background: var(--green); 
  border-radius: 20px;
}
.pp-modal::-webkit-scrollbar-thumb:hover { background: #1e9d60; }




.pp-close {
  position: absolute;
  top: -10px;
  right: -60px;
  background: var(--navy);
  border: 2px solid rgba(255,255,255,0.2);
  color: #fff;
  font-size: 1.5rem;
  width: 44px; height: 44px;
  border-radius: 50%;
  cursor: pointer;
  z-index: 3100;
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  display: flex; align-items: center; justify-content: center;
  font-weight: 300; line-height: 1;
  box-shadow: 0 10px 30px rgba(0,0,0,0.3);
}
.pp-close:hover {
  background: var(--navy2);
  border-color: var(--gold);
  color: var(--gold);
  transform: scale(1.1) rotate(90deg);
  box-shadow: 0 15px 45px rgba(0,0,0,0.4);
}

/* Header */
.pp-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 48px 48px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
  border-radius: 0;
}
.pp-header::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(56, 212, 141, 0.1), transparent 70%);
  filter: blur(60px);
  pointer-events: none;
}
.pp-header::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -40px;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(var(--accent-rgb), 0.08), transparent 70%);
  filter: blur(50px);
  pointer-events: none;
}
.pp-header-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  background: rgba(56, 212, 141, 0.15);
  border: 1px solid rgba(56, 212, 141, 0.25);
  border-radius: 12px;
  color: #38d48d;
  font-size: 0.85rem;
  font-weight: 800;
  margin-bottom: 16px;
  position: relative;
}
.pp-header-title {
  font-family: 'Gilroy', sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
  position: relative;
}
.pp-header-url {
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 600;
  position: relative;
}

/* Body */
.pp-body {
  padding: 36px 48px 48px;
}

/* Date bar */
.pp-date-bar {
  display: flex;
  gap: 20px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}
.pp-date-item {
  background: var(--gray1);
  border: 1px solid var(--gray2);
  border-radius: 0;
  padding: 12px 20px;
  font-size: 0.82rem;
  color: var(--text2);
  flex: 1;
  min-width: 180px;
}
.pp-date-item strong {
  color: var(--navy);
  margin-right: 4px;
}

/* Sections */
.pp-section {
  margin-bottom: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(var(--navy-rgb), 0.06);
}
.pp-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}
.pp-section-title {
  font-family: 'Gilroy', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 14px;
  padding-left: 14px;
  border-left: 3px solid var(--gold);
}
.pp-section p {
  font-size: 0.9rem;
  color: var(--text2);
  line-height: 1.75;
  margin-bottom: 16px;
}
.pp-section p:last-child { margin-bottom: 0; }

/* Lists */
.pp-list {
  list-style: none;
  padding: 0;
  margin: 12px 0 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.pp-list li {
  font-size: 0.88rem;
  color: var(--text2);
  line-height: 1.65;
  padding-left: 24px;
  position: relative;
}
.pp-list li::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  position: absolute;
  left: 6px;
  top: 8px;
}

/* Info Table (Who We Are) */
.pp-info-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin-top: 16px;
  border: 1px solid var(--gray2);
  border-radius: 0;
  overflow: hidden;
}
.pp-info-table tr { transition: background 0.2s; }
.pp-info-table tr:hover { background: rgba(var(--accent-rgb), 0.03); }
.pp-info-table td {
  padding: 14px 20px;
  font-size: 0.88rem;
  color: var(--text2);
  border-bottom: 1px solid var(--gray2);
  vertical-align: top;
}
.pp-info-table tr:last-child td { border-bottom: none; }
.pp-label-cell {
  font-weight: 700;
  color: var(--navy) !important;
  width: 160px;
  background: rgba(var(--navy-rgb), 0.02);
  border-right: 1px solid var(--gray2);
}

/* Data Collection Table */
.pp-data-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin-top: 16px;
  border-radius: 0;
  overflow: hidden;
  border: 1px solid var(--gray2);
}
.pp-data-table thead tr {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
}
.pp-data-table thead th {
  padding: 14px 20px;
  font-size: 0.82rem;
  font-weight: 700;
  color: #fff;
  text-align: left;
  letter-spacing: 0.03em;
}
.pp-data-table tbody tr { transition: background 0.2s; }
.pp-data-table tbody tr:hover { background: rgba(var(--accent-rgb), 0.04); }
.pp-data-table tbody td {
  padding: 12px 20px;
  font-size: 0.85rem;
  color: var(--text2);
  border-bottom: 1px solid var(--gray2);
  vertical-align: top;
}
.pp-data-table tbody tr:last-child td { border-bottom: none; }
.pp-data-table tbody td strong { color: var(--navy); }

/* Rights Table */
.pp-rights-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin-top: 16px;
  border: 1px solid var(--gray2);
  border-radius: 0;
  overflow: hidden;
}
.pp-rights-table tr { transition: background 0.2s; }
.pp-rights-table tr:hover { background: rgba(var(--accent-rgb), 0.03); }
.pp-rights-table td {
  padding: 14px 20px;
  font-size: 0.88rem;
  color: var(--text2);
  border-bottom: 1px solid var(--gray2);
  vertical-align: top;
}
.pp-rights-table tr:last-child td { border-bottom: none; }
.pp-right-label {
  font-weight: 700;
  color: var(--gold) !important;
  width: 200px;
  white-space: nowrap;
}

/* Contact Table */
.pp-contact-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1px solid var(--gray2);
  border-radius: 0;
  overflow: hidden;
}
.pp-contact-table tr { transition: background 0.2s; }
.pp-contact-table tr:hover { background: rgba(var(--accent-rgb), 0.03); }
.pp-contact-table td {
  padding: 14px 20px;
  font-size: 0.88rem;
  color: var(--text2);
  border-bottom: 1px solid var(--gray2);
  vertical-align: top;
}
.pp-contact-table tr:last-child td { border-bottom: none; }
.pp-contact-label {
  font-weight: 700;
  color: var(--navy) !important;
  width: 120px;
  background: rgba(var(--accent-rgb), 0.04);
  border-right: 1px solid var(--gray2);
}

/* Callout boxes */
.pp-callout {
  padding: 16px 20px;
  border-radius: 0;
  font-size: 0.85rem;
  line-height: 1.65;
  margin-top: 16px;
}
.pp-callout-gold {
  background: rgba(var(--accent-rgb), 0.06);
  border-left: 3px solid var(--gold);
  color: var(--text2);
}
.pp-callout-red {
  background: rgba(255, 77, 77, 0.06);
  border-left: 3px solid #e74c3c;
  color: var(--text2);
}

/* Comparison Table (Disclaimer) */
.pp-compare-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin-top: 16px;
  border: 1px solid var(--gray2);
  border-radius: 0;
  overflow: hidden;
}
.pp-compare-table thead tr {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
}
.pp-compare-table thead th {
  padding: 14px 18px;
  font-size: 0.82rem;
  font-weight: 700;
  color: #fff;
  text-align: left;
  letter-spacing: 0.02em;
}
.pp-compare-table thead th.pp-col-not { color: #ff8a8a; }
.pp-compare-table thead th.pp-col-is { color: #7ef5b7; }
.pp-compare-table tbody tr { transition: background 0.2s; }
.pp-compare-table tbody tr:hover { background: rgba(var(--navy-rgb), 0.02); }
.pp-compare-table tbody td {
  padding: 13px 18px;
  font-size: 0.85rem;
  color: var(--text2);
  border-bottom: 1px solid var(--gray2);
  vertical-align: top;
}
.pp-compare-table tbody tr:last-child td { border-bottom: none; }
.pp-compare-table tbody td strong { color: var(--navy); }
.pp-text-not { color: #e74c3c !important; }
.pp-text-is { color: #1a9e5c !important; }

/* Responsive Privacy Modal */
@media (max-width: 768px) {
  .pp-header { padding: 32px 24px 28px; }
  .pp-header-title { font-size: 1.5rem; }
  .pp-body { padding: 24px 20px 32px; }
  .pp-modal { border-radius: 0; max-height: 80vh; overflow-y: auto; overscroll-behavior: contain; }
  .pp-header { border-radius: 0; }
  .pp-date-bar { flex-direction: column; gap: 10px; }
  .pp-date-item { min-width: unset; }
  .pp-label-cell, .pp-right-label, .pp-contact-label { width: auto; white-space: normal; }
  .pp-info-table, .pp-data-table, .pp-rights-table, .pp-contact-table {
    display: block;
    overflow-x: auto;
  }
  .pp-close, .modal-close {
    top: 14px;
    right: 14px;
    width: 32px; height: 32px;
    font-size: 1.2rem;
    border: none;
    box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  }
  .pp-wrapper, .modal-wrapper {
    position: relative;
    margin-top: -20px;
  }
}

@media (max-width: 480px) {
  .pp-overlay { padding: 10px; }
  .pp-header { padding: 28px 20px 24px; }
  .pp-header-title { font-size: 1.3rem; }
  .pp-body { padding: 20px 16px 28px; }
  .pp-section-title { font-size: 1.05rem; }
}


/* ─── VISION & MISSION ──────────────────────────────────── */
#vision-mission { 
  padding: 100px 0; 
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%); 
  position: relative; 
  overflow: hidden; 
}

#vision-mission::before {
  content: '';
  position: absolute;
  top: -10%; right: -10%;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(49, 202, 131, 0.08) 0%, transparent 70%);
  filter: blur(60px);
  pointer-events: none;
}

.vm-grid { 
  display: grid; 
  grid-template-columns: 1fr 1fr; 
  gap: 32px; 
  align-items: stretch;
  margin-top: 50px;
}

.vision-box, .mission-box-card {
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 32px;
  padding: 48px;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.vision-box:hover, .mission-box-card:hover {
  background: rgba(255, 255, 255, 0.08); 
  border-color: rgba(56,212,141,0.5); 
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(0,0,0,0.3);
}

.vision-box::before {
  content: '“';
  position: absolute;
  top: 10px; left: 24px;
  font-size: 8rem;
  color: rgba(49, 202, 131, 0.1);
  font-family: serif;
  line-height: 1;
}

.vision-text {
  font-family: 'Gilroy', sans-serif;
  font-size: 1.5rem;
  font-weight: 600;
  color: #fff;
  line-height: 1.6;
  position: relative;
  z-index: 1;
  margin-top: 20px;
}

.mission-title {
  color: #fff;
  font-size: 1.6rem;
  font-weight: 800;
  margin-bottom: 24px;
  font-family: 'Gilroy', sans-serif;
}

.mission-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.mission-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.05rem;
  line-height: 1.6;
}

.mission-icon {
  width: 24px;
  height: 24px;
  background: rgba(49, 202, 131, 0.2);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.mission-icon svg {
  width: 14px;
  height: 14px;
  color: var(--teal);
}

@media (max-width: 991px) {
  .vm-grid { grid-template-columns: 1fr; gap: 40px; }
  .vision-box { padding: 40px 30px; }
  .vision-text { font-size: 1.4rem; }
}

/* ─── PRELOADER ────────────────────────────────────────── */
#preloader {
  position: fixed;
  top: 0; left: 0;
  width: 100%; height: 100%;
  background-color: var(--navy2);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10000;
  transition: opacity 0.5s ease, visibility 0.5s;
}

#preloader.loaded {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.loader-container {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
}

.loader-logo {
  width: 180px;
  height: auto;
  animation: pulse 2s infinite ease-in-out;
}

.loader-spinner {
  width: 50px;
  height: 50px;
  border: 3px solid rgba(255, 255, 255, 0.1);
  border-top: 3px solid var(--gold);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 0.8; }
  50% { transform: scale(1.05); opacity: 1; }
}

@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

/* Page reveal effect when preloader finishes */
body:not(.scrolled) #hero .reveal {
  transition-delay: 0.2s;
}