/* ===== CSS Variables & Reset ===== */
:root {
    --primary: #00d09c;
    --primary-dark: #00b386;
    --primary-light: #e8f9f4;
    --blue: #5367ff;
    --blue-light: #eef0ff;
    --gold: #f5a623;
    --red: #eb5b3c;
    --purple: #8b5cf6;
    --dark: #44475b;
    --dark-secondary: #7c7e8c;
    --light-bg: #f4f7fe;
    --white: #ffffff;
    --border: #e0e0e0;
    --card-shadow: 0 2px 12px rgba(0,0,0,0.08);
    --card-shadow-hover: 0 8px 30px rgba(0,0,0,0.12);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-fast: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --font: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --max-width: 1200px;
    --nav-height: 64px;
}

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font);
    color: var(--dark);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
}

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

img { max-width: 100%; }

.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* ===== Navbar ===== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    height: var(--nav-height);
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    z-index: 1000;
    transition: var(--transition);
}

.navbar.scrolled {
    border-bottom-color: var(--border);
    box-shadow: 0 1px 8px rgba(0,0,0,0.06);
}

.nav-container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 24px;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-left {
    display: flex;
    align-items: center;
    gap: 40px;
}

.logo {
    display: flex;
    align-items: center;
    flex-shrink: 0;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    font-size: 14px;
    font-weight: 500;
    color: var(--dark);
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 8px 0;
    position: relative;
}

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

.dropdown-arrow {
    transition: transform 0.3s ease;
}

.dropdown:hover .dropdown-arrow {
    transform: rotate(180deg);
}

/* Dropdown Menu */
.dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: -20px;
    padding-top: 12px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    pointer-events: none;
}

.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
}

.dropdown-grid {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 12px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4px;
    min-width: 420px;
    box-shadow: 0 12px 40px rgba(0,0,0,0.12);
}

.dropdown-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px;
    border-radius: 10px;
    transition: var(--transition-fast);
}

.dropdown-item:hover {
    background: var(--light-bg);
}

.dropdown-icon {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.stocks-icon { background: var(--primary-light); }
.mf-icon { background: var(--blue-light); }
.gold-icon { background: #fff8e8; }
.fd-icon { background: #fef0ec; }
.ipo-icon { background: #f3eeff; }
.fo-icon { background: #e8f9f4; }

.dropdown-title {
    display: block;
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
}

.dropdown-desc {
    display: block;
    font-size: 12px;
    color: var(--dark-secondary);
    margin-top: 2px;
}

.nav-right {
    display: flex;
    align-items: center;
    gap: 16px;
}

.nav-search {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    border: 1px solid var(--border);
    border-radius: 8px;
    font-size: 13px;
    color: var(--dark-secondary);
    cursor: pointer;
    transition: var(--transition-fast);
    min-width: 220px;
}

.nav-search:hover {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0,208,156,0.1);
}

.btn-login {
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
    padding: 8px 16px;
    border-radius: 8px;
    transition: var(--transition-fast);
}

.btn-login:hover {
    color: var(--primary);
    background: var(--primary-light);
}

.btn-signup {
    font-size: 14px;
    font-weight: 600;
    color: var(--white);
    background: var(--primary);
    padding: 8px 20px;
    border-radius: 8px;
    transition: var(--transition);
}

.btn-signup:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0,208,156,0.3);
}

/* Mobile toggle */
.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.mobile-toggle span {
    width: 22px;
    height: 2px;
    background: var(--dark);
    border-radius: 2px;
    transition: var(--transition);
}

.mobile-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

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

.mobile-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* Mobile Menu */
.mobile-menu {
    display: none;
    position: fixed;
    top: var(--nav-height);
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 16px 24px 24px;
    z-index: 999;
    flex-direction: column;
    gap: 12px;
    transform: translateY(-100%);
    opacity: 0;
    transition: var(--transition);
    max-height: calc(100vh - var(--nav-height));
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

.mobile-menu.active {
    transform: translateY(0);
    opacity: 1;
}

.mobile-menu a {
    font-size: 15px;
    font-weight: 500;
    padding: 12px 0;
    border-bottom: 1px solid #f0f0f0;
}

.mobile-menu .btn-signup {
    display: inline-block;
    text-align: center;
    margin-top: 8px;
}

/* ===== Hero Section ===== */
.hero {
    padding-top: 0;
    padding-bottom: 40px;
    background: linear-gradient(180deg, #f4f7fe 0%, #ffffff 60%);
    display: flex;
    align-items: flex-start;
    overflow: hidden;
}

.hero-container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--white);
    border: 1px solid var(--border);
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 500;
    color: var(--dark-secondary);
    margin-bottom: 24px;
    animation: fadeInUp 0.6s ease forwards;
}

.badge-dot {
    width: 8px;
    height: 8px;
    background: var(--primary);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.6; transform: scale(1.2); }
}

.hero-title {
    font-size: clamp(40px, 5vw, 64px);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -1.5px;
    color: var(--dark);
    margin-bottom: 20px;
    animation: fadeInUp 0.6s ease 0.1s forwards;
    opacity: 0;
}

.hero-title-line {
    display: block;
}

.hero-title-line:not(:first-child) {
    font-size: clamp(24px, 3.2vw, 42px);
    margin-top: 10px;
    font-weight: 700;
    letter-spacing: -1px;
}

.hero-word {
    display: inline-block;
    opacity: 0;
}

.hero-highlight {
    color: var(--primary);
    background: linear-gradient(90deg, var(--primary) 0%, #5367ff 50%, var(--primary) 100%);
    background-size: 200% auto;
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    margin-bottom: 32px;
    max-width: 580px;
    animation: fadeInUp 0.6s ease 0.2s forwards;
    opacity: 0;
    text-align: left;
}

.hero-subtitle-lead {
    font-size: 19px;
    font-weight: 600;
    color: var(--dark);
    line-height: 1.5;
    margin-bottom: 16px;
}

.hero-subtitle-body {
    font-size: 15px;
    color: var(--dark-secondary);
    line-height: 1.6;
    margin-bottom: 12px;
}

.hero-subtitle-body:last-child {
    margin-bottom: 0;
}

.hero-cta {
    display: flex;
    gap: 16px;
    margin-bottom: 48px;
    animation: fadeInUp 0.6s ease 0.3s forwards;
    opacity: 0;
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 32px;
    background: var(--primary);
    color: var(--white);
    font-size: 15px;
    font-weight: 600;
    border-radius: 10px;
    border: none;
    cursor: pointer;
    transition: var(--transition);
}

.btn-primary:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0,208,156,0.35);
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 32px;
    background: transparent;
    color: var(--dark);
    font-size: 15px;
    font-weight: 600;
    border-radius: 10px;
    border: 1.5px solid var(--border);
    cursor: pointer;
    transition: var(--transition);
}

.btn-outline:hover {
    border-color: var(--primary);
    color: var(--primary);
    transform: translateY(-2px);
}

.hero-stats {
    display: flex;
    align-items: center;
    gap: 32px;
    animation: fadeInUp 0.6s ease 0.4s forwards;
    opacity: 0;
}

.hero-stat {
    display: flex;
    flex-direction: column;
}

.stat-value-row {
    display: flex;
    align-items: baseline;
    white-space: nowrap;
}

.stat-number {
    font-size: 28px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
}

.stat-suffix {
    font-size: 28px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
}

.stat-label {
    font-size: 13px;
    color: var(--dark-secondary);
    margin-top: 4px;
}

.hero-stat-divider {
    width: 1px;
    height: 40px;
    background: var(--border);
}

/* Hero Visual */
.hero-visual {
    display: flex;
    justify-content: center;
    align-items: center;
    position: relative;
    animation: fadeInRight 0.8s ease 0.3s forwards;
    opacity: 0;
}

@keyframes fadeInRight {
    from { opacity: 0; transform: translateX(30px); }
    to { opacity: 1; transform: translateX(0); }
}

.hero-phone-mockup {
    position: relative;
}

.phone-frame {
    width: 280px;
    background: var(--white);
    border-radius: 32px;
    border: 3px solid #e0e0e0;
    box-shadow: 0 20px 60px rgba(0,0,0,0.15), 0 0 0 1px rgba(0,0,0,0.05);
    overflow: hidden;
    position: relative;
}

.phone-notch {
    width: 120px;
    height: 24px;
    background: #1a1a2e;
    margin: 0 auto;
    border-radius: 0 0 16px 16px;
    position: relative;
    z-index: 2;
}

.phone-screen {
    padding: 12px 16px 24px;
    background: #fafbff;
}

.app-header-mock {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
    margin-bottom: 16px;
}

.app-logo-mock {
    width: 28px;
    height: 28px;
    background: var(--primary);
    color: white;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
}

.portfolio-value {
    display: flex;
    flex-direction: column;
    margin-bottom: 12px;
}

.port-label {
    font-size: 11px;
    color: var(--dark-secondary);
}

.port-amount {
    font-size: 24px;
    font-weight: 700;
    color: var(--dark);
    letter-spacing: -0.5px;
}

.port-return {
    font-size: 13px;
    font-weight: 600;
}

.positive { color: var(--primary); }
.negative { color: #e53935; }

.mini-chart {
    margin-bottom: 16px;
}

.mini-chart svg {
    width: 100%;
    height: 50px;
}

.stock-list-mock {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.stock-item-mock {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 10px;
    background: var(--white);
    border-radius: 10px;
    border: 1px solid #f0f0f0;
}

.stock-info-mock {
    display: flex;
    align-items: center;
    gap: 8px;
}

.stock-icon-mock {
    width: 32px;
    height: 32px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 13px;
    color: var(--dark);
}

.stock-name-mock {
    font-size: 12px;
    font-weight: 600;
    color: var(--dark);
}

.stock-qty-mock {
    font-size: 10px;
    color: var(--dark-secondary);
}

.stock-price-mock {
    text-align: right;
    font-size: 12px;
    font-weight: 600;
}

.stock-price-mock .positive,
.stock-price-mock .negative {
    font-size: 10px;
    font-weight: 500;
}

/* Floating Cards */
.floating-card {
    position: absolute;
    background: var(--white);
    border-radius: 14px;
    padding: 12px 16px;
    display: flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
    border: 1px solid #f0f0f0;
    white-space: nowrap;
    z-index: 5;
}

.fc-icon {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.green-bg { background: var(--primary-light); }
.blue-bg { background: var(--blue-light); }
.gold-bg { background: #fff8e8; }

.fc-title {
    font-size: 11px;
    color: var(--dark-secondary);
    font-weight: 500;
}

.fc-value {
    font-size: 13px;
    font-weight: 700;
    color: var(--dark);
}

.fc-value small {
    font-weight: 500;
    font-size: 11px;
}

.card-1 {
    top: 20px;
    left: -60px;
    animation: floatCard 3s ease-in-out infinite;
}

.card-2 {
    bottom: 80px;
    right: -50px;
    animation: floatCard 3s ease-in-out 1s infinite;
}

.card-3 {
    top: 50%;
    right: -70px;
    animation: floatCard 3s ease-in-out 2s infinite;
}

@keyframes floatCard {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* ===== Ticker Section ===== */
.ticker-section {
    background: transparent;
    padding: 0 24px;
    overflow: hidden;
    margin-top: var(--nav-height);
}

.ticker-wrap {
    overflow: hidden;
    position: relative;
    max-width: 1080px;
    margin: 0 auto;
    background: transparent;
    padding: 4px 0;
}

.ticker-wrap::before,
.ticker-wrap::after {
    content: '';
    position: absolute;
    top: 0;
    width: 80px;
    height: 100%;
    z-index: 2;
    pointer-events: none;
}

.ticker-wrap::before {
    left: 0;
    background: linear-gradient(to right, var(--bg-primary), transparent);
}

.ticker-wrap::after {
    right: 0;
    background: linear-gradient(to left, var(--bg-primary), transparent);
}

.ticker {
    display: flex;
    gap: 0;
    animation: tickerScroll 30s linear infinite;
    width: max-content;
}

@keyframes tickerScroll {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.ticker-item {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 0 24px;
    white-space: nowrap;
    font-size: 13px;
}

.ticker-name {
    font-weight: 600;
    color: var(--dark);
}

.ticker-price {
    font-weight: 500;
    color: var(--dark);
}

.ticker-change {
    font-weight: 600;
    font-size: 12px;
}

.ticker-change.positive { color: var(--primary); }
.ticker-change.negative { color: #e53935; }

/* ===== Products Section ===== */
.products-section {
    padding: 100px 0;
    background: var(--white);
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-title {
    font-size: clamp(28px, 3.5vw, 40px);
    font-weight: 800;
    color: var(--dark);
    letter-spacing: -0.5px;
    margin-bottom: 12px;
}

.section-subtitle {
    font-size: 17px;
    color: var(--dark-secondary);
    max-width: 560px;
    margin: 0 auto;
    line-height: 1.6;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.product-card {
    background: var(--white);
    border: 1px solid #eee;
    border-radius: 16px;
    padding: 28px;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.product-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--primary);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

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

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

.product-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.product-title {
    font-size: 20px;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--dark);
}

.product-desc {
    font-size: 14px;
    color: var(--dark-secondary);
    line-height: 1.6;
    margin-bottom: 16px;
}

.product-tags {
    display: flex;
    gap: 8px;
    margin-bottom: 20px;
    flex-wrap: wrap;
}

.tag {
    font-size: 11px;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 6px;
    background: var(--light-bg);
    color: var(--dark-secondary);
}

.product-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 600;
    color: var(--primary);
    transition: var(--transition-fast);
}

.product-link:hover {
    gap: 10px;
    color: var(--primary-dark);
}

.product-link svg {
    transition: transform 0.2s ease;
}

.product-card:hover .product-link svg {
    transform: translateX(4px);
}

/* ===== SIP Section ===== */
.sip-section {
    padding: 100px 0;
    background: var(--light-bg);
}

.sip-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.sip-calculator {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-top: 32px;
}

.sip-input-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.sip-input-group label {
    font-size: 13px;
    font-weight: 600;
    color: var(--dark-secondary);
}

.sip-input-wrap {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: 10px;
    padding: 10px 14px;
    transition: var(--transition-fast);
}

.sip-input-wrap:focus-within {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0,208,156,0.1);
}

.sip-input-wrap span {
    font-size: 15px;
    font-weight: 600;
    color: var(--dark-secondary);
}

.sip-input-wrap input {
    border: none;
    outline: none;
    font-size: 15px;
    font-weight: 600;
    color: var(--dark);
    font-family: var(--font);
    width: 100%;
    background: transparent;
}

.sip-range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 4px;
    border-radius: 4px;
    background: linear-gradient(to right, var(--primary) 0%, var(--primary) 50%, var(--border) 50%, var(--border) 100%);
    outline: none;
    cursor: pointer;
}

.sip-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--primary);
    border: 3px solid white;
    box-shadow: 0 2px 6px rgba(0,208,156,0.4);
    cursor: pointer;
    transition: var(--transition-fast);
}

.sip-range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 2px 10px rgba(0,208,156,0.5);
}

/* SIP Result */
.sip-result {
    background: var(--white);
    border-radius: 20px;
    padding: 32px;
    box-shadow: var(--card-shadow);
}

.sip-chart-container {
    position: relative;
    width: 220px;
    height: 220px;
    margin: 0 auto 24px;
}

.sip-chart-container canvas {
    width: 100% !important;
    height: 100% !important;
}

.sip-chart-center {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    text-align: center;
}

.sip-total-label {
    display: block;
    font-size: 12px;
    color: var(--dark-secondary);
}

.sip-total-value {
    display: block;
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
}

.sip-legend {
    display: flex;
    justify-content: center;
    gap: 32px;
}

.legend-item {
    display: flex;
    align-items: center;
    gap: 8px;
}

.legend-dot {
    width: 12px;
    height: 12px;
    border-radius: 4px;
    flex-shrink: 0;
}

.legend-dot.invested { background: var(--blue); }
.legend-dot.returns { background: var(--primary); }

.legend-label {
    display: block;
    font-size: 12px;
    color: var(--dark-secondary);
}

.legend-value {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: var(--dark);
}

/* ===== Features Section ===== */
.features-section {
    padding: 100px 0;
    background: var(--white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.feature-card {
    padding: 32px;
    border-radius: 16px;
    border: 1px solid #eee;
    background: var(--white);
    transition: var(--transition);
}

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

.feature-icon {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    background: var(--light-bg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    transition: var(--transition);
}

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

.feature-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 10px;
}

.feature-desc {
    font-size: 14px;
    color: var(--dark-secondary);
    line-height: 1.6;
}

/* ===== App Section ===== */
.app-section {
    padding: 100px 0;
    background: var(--light-bg);
}

.app-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.app-features-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin: 28px 0 36px;
}

.app-feature-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 15px;
    color: var(--dark);
    font-weight: 500;
}

.app-badges {
    display: flex;
    gap: 16px;
}

.app-badge {
    display: flex;
    align-items: center;
    gap: 10px;
    background: #1a1a2e;
    color: white;
    padding: 10px 20px;
    border-radius: 10px;
    transition: var(--transition);
}

.app-badge:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.2);
    background: #2a2a3e;
}

.app-badge small {
    font-size: 10px;
    display: block;
    opacity: 0.8;
    font-weight: 400;
}

.app-badge strong {
    font-size: 15px;
    display: block;
}

/* App Phone Stack */
.app-visual {
    display: flex;
    justify-content: center;
    position: relative;
}

.app-phone-stack {
    position: relative;
    width: 320px;
    height: 500px;
}

.app-phone {
    width: 240px;
    background: var(--white);
    border-radius: 28px;
    border: 3px solid #e0e0e0;
    overflow: hidden;
    box-shadow: 0 20px 50px rgba(0,0,0,0.12);
    position: absolute;
}

.app-phone-back {
    top: 30px;
    left: 0;
    transform: rotate(-5deg);
    z-index: 1;
}

.app-phone-front {
    top: 0;
    right: 0;
    z-index: 2;
}

.app-phone-screen {
    padding: 20px 14px;
}

/* Mock Watchlist */
.mock-watchlist {
    padding: 8px;
}

.mock-wl-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 16px;
}

.mock-wl-item {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid #f0f0f0;
    font-size: 13px;
    font-weight: 500;
}

.mock-wl-item span:first-child {
    color: var(--dark);
}

/* Mock Stock Detail */
.mock-stock-detail {
    padding: 8px;
}

.mock-sd-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
}

.mock-sd-icon {
    width: 36px;
    height: 36px;
    background: var(--primary-light);
    color: var(--primary);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
}

.mock-sd-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
}

.mock-sd-exchange {
    font-size: 11px;
    color: var(--dark-secondary);
}

.mock-sd-price {
    font-size: 28px;
    font-weight: 800;
    color: var(--dark);
    letter-spacing: -0.5px;
}

.mock-sd-change {
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 16px;
}

.mock-sd-chart {
    width: 100%;
    height: 60px;
    margin-bottom: 16px;
}

.mock-sd-buttons {
    display: flex;
    gap: 10px;
}

.mock-btn-buy, .mock-btn-sell {
    flex: 1;
    padding: 10px;
    border: none;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 700;
    font-family: var(--font);
    cursor: pointer;
    transition: var(--transition-fast);
}

.mock-btn-buy {
    background: var(--primary);
    color: white;
}

.mock-btn-buy:hover { background: var(--primary-dark); }

.mock-btn-sell {
    background: #fef0ec;
    color: var(--red);
}

.mock-btn-sell:hover { background: #fdddd4; }

/* ===== Testimonials Section ===== */
.testimonials-section {
    padding: 100px 0;
    background: var(--white);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testimonial-card {
    background: var(--white);
    border: 1px solid #eee;
    border-radius: 16px;
    padding: 28px;
    transition: var(--transition);
}

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

.testimonial-stars {
    color: #f5a623;
    font-size: 16px;
    letter-spacing: 2px;
    margin-bottom: 16px;
}

.testimonial-text {
    font-size: 14px;
    color: var(--dark);
    line-height: 1.7;
    margin-bottom: 20px;
}

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

.author-avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--primary);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 16px;
}

.author-name {
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
}

.author-role {
    font-size: 12px;
    color: var(--dark-secondary);
}

/* ===== CTA Section ===== */
.cta-section {
    padding: 80px 0;
    background: var(--light-bg);
}

.cta-card {
    background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%);
    border-radius: 24px;
    padding: 60px;
    text-align: center;
    color: white;
    position: relative;
    overflow: hidden;
}

.cta-card::before {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(0,208,156,0.2) 0%, transparent 70%);
    top: -200px;
    right: -100px;
    border-radius: 50%;
}

.cta-card::after {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(83,103,255,0.15) 0%, transparent 70%);
    bottom: -150px;
    left: -50px;
    border-radius: 50%;
}

.cta-card h2 {
    font-size: clamp(28px, 3vw, 36px);
    font-weight: 800;
    margin-bottom: 12px;
    position: relative;
    z-index: 1;
}

.cta-card p {
    font-size: 17px;
    opacity: 0.8;
    margin-bottom: 32px;
    position: relative;
    z-index: 1;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 16px;
    position: relative;
    z-index: 1;
}

.btn-large {
    padding: 16px 36px;
    font-size: 16px;
}

.btn-outline-white {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: transparent;
    color: white;
    font-size: 15px;
    font-weight: 600;
    border-radius: 10px;
    border: 1.5px solid rgba(255,255,255,0.3);
    cursor: pointer;
    transition: var(--transition);
}

.btn-outline-white:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.5);
    transform: translateY(-2px);
}

/* ===== Footer ===== */
.footer {
    background: #1a1a2e;
    color: rgba(255,255,255,0.8);
    padding: 60px 0 0;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.2fr 2fr;
    gap: 60px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo {
    display: inline-block;
    margin-bottom: 16px;
}

.footer-desc {
    font-size: 14px;
    line-height: 1.7;
    color: rgba(255,255,255,0.6);
    margin-bottom: 24px;
    max-width: 280px;
}

.social-links {
    display: flex;
    gap: 12px;
}

.social-link {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(255,255,255,0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: var(--transition-fast);
}

.social-link:hover {
    background: var(--primary);
    color: white;
    transform: translateY(-2px);
}

.footer-links-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.footer-col h4 {
    font-size: 14px;
    font-weight: 700;
    color: white;
    margin-bottom: 20px;
    letter-spacing: 0.3px;
}

.footer-col a {
    display: block;
    font-size: 13px;
    color: rgba(255,255,255,0.6);
    padding: 5px 0;
    transition: var(--transition-fast);
}

.footer-col a:hover {
    color: var(--primary);
    padding-left: 4px;
}

.footer-bottom {
    padding: 24px 0;
}

.footer-regulatory {
    margin-bottom: 16px;
}

.footer-regulatory p {
    font-size: 11px;
    color: rgba(255,255,255,0.35);
    line-height: 1.7;
}

.footer-copyright p {
    font-size: 12px;
    color: rgba(255,255,255,0.4);
}

/* ===== Search Modal ===== */
.search-modal {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 2000;
    display: flex;
    align-items: flex-start;
    justify-content: center;
    padding-top: 120px;
    opacity: 0;
    visibility: hidden;
    transition: all 0.25s ease;
}

.search-modal.active {
    opacity: 1;
    visibility: visible;
}

.search-modal-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0,0,0,0.5);
    backdrop-filter: blur(4px);
}

.search-modal-content {
    position: relative;
    background: var(--white);
    border-radius: 16px;
    width: 560px;
    max-width: 90vw;
    box-shadow: 0 20px 60px rgba(0,0,0,0.2);
    transform: translateY(-20px) scale(0.98);
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    overflow: hidden;
}

.search-modal.active .search-modal-content {
    transform: translateY(0) scale(1);
}

.search-input-wrap {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 20px;
    border-bottom: 1px solid var(--border);
}

.search-input-wrap input {
    flex: 1;
    border: none;
    outline: none;
    font-size: 15px;
    font-family: var(--font);
    color: var(--dark);
}

.search-input-wrap input::placeholder {
    color: var(--dark-secondary);
}

.search-kbd {
    font-size: 11px;
    font-family: var(--font);
    padding: 3px 8px;
    border: 1px solid var(--border);
    border-radius: 4px;
    color: var(--dark-secondary);
    background: #f5f5f5;
}

.search-results {
    padding: 12px;
    max-height: 400px;
    overflow-y: auto;
}

.search-category h5 {
    font-size: 11px;
    font-weight: 600;
    color: var(--dark-secondary);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 8px 12px;
}

.search-result-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 12px;
    border-radius: 10px;
    transition: var(--transition-fast);
}

.search-result-item:hover {
    background: var(--light-bg);
}

.sri-icon {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
    flex-shrink: 0;
}

.sri-info {
    flex: 1;
}

.sri-name {
    display: block;
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
}

.sri-type {
    display: block;
    font-size: 12px;
    color: var(--dark-secondary);
}

.sri-price {
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
}

/* ===== Back to Top ===== */
.back-to-top {
    position: fixed;
    bottom: 96px;
    right: 30px;
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: var(--primary);
    color: white;
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 100;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    box-shadow: 0 4px 16px rgba(0,208,156,0.3);
}

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

.back-to-top:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0,208,156,0.4);
}

/* ===== Scroll Animations ===== */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s cubic-bezier(0.4, 0, 0.2, 1), transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ===== Responsive Design ===== */
@media (max-width: 1024px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-subtitle {
        margin: 0 auto 32px;
    }

    .hero-cta {
        justify-content: center;
    }

    .hero-stats {
        justify-content: center;
    }

    .hero-visual {
        display: flex;
        max-width: 420px;
        margin: 0 auto;
        width: 100%;
    }

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

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

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

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

    .about-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .app-visual {
        order: -1;
    }

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

    .footer-top {
        grid-template-columns: 1fr;
    }

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

@media (max-width: 768px) {
    .nav-links, .nav-right {
        display: none;
    }

    .mobile-toggle {
        display: flex;
    }

    .mobile-menu {
        display: flex;
    }

    .hero {
        padding-top: calc(var(--nav-height) + 40px);
        min-height: auto;
        padding-bottom: 60px;
    }

    .hero-title {
        font-size: 36px;
    }

    .hero-subtitle {
        font-size: 16px;
    }

    .hero-subtitle-lead {
        font-size: 17px;
        margin-bottom: 12px;
    }

    .hero-subtitle-body {
        font-size: 14px;
        margin-bottom: 10px;
    }

    .hero-cta {
        flex-direction: column;
        align-items: center;
    }

    .hero-stats {
        flex-direction: column;
        gap: 16px;
        align-items: center;
    }

    .hero-stat-divider {
        width: 40px;
        height: 1px;
    }

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

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

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

    .cta-card {
        padding: 40px 24px;
    }

    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }

    .footer-links-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }

    .app-phone-stack {
        width: 260px;
        height: 420px;
    }

    .app-phone {
        width: 200px;
    }

    .app-badges {
        flex-direction: column;
    }

    .sip-legend {
        flex-direction: column;
        align-items: center;
        gap: 16px;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 30px;
    }

    .section-title {
        font-size: 24px;
    }

    .products-section, .features-section, .app-section, .testimonials-section {
        padding: 60px 0;
    }

    .cta-section {
        padding: 40px 0;
    }

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

/* ===== Selection Color ===== */
::selection {
    background: var(--primary);
    color: white;
}

/* ===== GSAP Initial States ===== */
.gsap-fade {
    opacity: 0;
    transform: translateY(40px);
}

/* ===== Numbers Section ===== */
.numbers-section {
    padding: 100px 0;
    background: linear-gradient(180deg, #f4f7fe 0%, #ffffff 100%);
    overflow: hidden;
}

.numbers-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.number-card {
    background: var(--white);
    border: 1px solid #eee;
    border-radius: 20px;
    padding: 32px;
    text-align: center;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.number-card::after {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(0,208,156,0.04) 0%, transparent 60%);
    opacity: 0;
    transition: opacity 0.5s ease;
    pointer-events: none;
}

.number-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 48px rgba(0,0,0,0.1);
    border-color: transparent;
}

.number-card:hover::after {
    opacity: 1;
}

.number-icon-wrap {
    width: 56px;
    height: 56px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.number-card:hover .number-icon-wrap {
    transform: scale(1.15) rotate(5deg);
}

.number-value {
    margin-bottom: 8px;
}

.counter {
    font-size: 42px;
    font-weight: 800;
    color: var(--dark);
    letter-spacing: -1px;
    line-height: 1.1;
    display: inline-block;
    font-variant-numeric: tabular-nums;
}

.counter.counting {
    color: var(--primary);
}

.counter.pop {
    animation: counterPop 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

@keyframes counterPop {
    0% { transform: scale(1); }
    50% { transform: scale(1.2); }
    100% { transform: scale(1); }
}

.number-label {
    font-size: 14px;
    color: var(--dark-secondary);
    font-weight: 500;
    margin-bottom: 16px;
}

.number-bar {
    height: 4px;
    background: #eee;
    border-radius: 4px;
    overflow: hidden;
}

.number-bar-fill {
    height: 100%;
    width: 0;
    background: var(--primary);
    border-radius: 4px;
    transition: width 1.5s cubic-bezier(0.22, 1, 0.36, 1);
}

/* ===== Market Section ===== */
.market-section {
    padding: 100px 0;
    background: var(--white);
}

.market-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 40px;
}

.market-card {
    background: var(--white);
    border: 1px solid #eee;
    border-radius: 16px;
    padding: 24px;
    transition: var(--transition);
}

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

.index-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.index-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
}

.index-badge {
    font-size: 10px;
    font-weight: 700;
    padding: 3px 8px;
    border-radius: 6px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.index-badge.positive {
    background: var(--primary-light);
    color: var(--primary);
}

.index-badge.negative {
    background: #fef0ec;
    color: #e53935;
}

.index-price {
    font-size: 24px;
    font-weight: 800;
    color: var(--dark);
    letter-spacing: -0.5px;
    margin-bottom: 4px;
}

.index-change {
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 12px;
}

.index-sparkline {
    width: 100%;
    height: 36px;
}

/* Market Tables */
.market-tables-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.market-table-card {
    background: var(--white);
    border: 1px solid #eee;
    border-radius: 16px;
    padding: 24px;
    transition: var(--transition);
}

.market-table-card:hover {
    border-color: transparent;
    box-shadow: var(--card-shadow-hover);
}

.market-table-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.market-table {
    display: flex;
    flex-direction: column;
}

.mt-row {
    display: grid;
    grid-template-columns: 1.3fr 1fr 0.8fr;
    padding: 10px 0;
    border-bottom: 1px solid #f5f5f5;
    font-size: 13px;
    align-items: center;
    transition: background 0.2s ease;
}

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

.mt-row:not(.mt-header):hover {
    background: var(--light-bg);
    border-radius: 8px;
    margin: 0 -8px;
    padding: 10px 8px;
}

.mt-header {
    font-size: 11px;
    font-weight: 600;
    color: var(--dark-secondary);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding-bottom: 12px;
}

.mt-company {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
    color: var(--dark);
}

.mt-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    flex-shrink: 0;
}

.mt-row span:nth-child(2) {
    font-weight: 600;
    color: var(--dark);
}

.mt-row span:nth-child(3) {
    font-weight: 700;
    text-align: right;
}

/* ===== Responsive additions ===== */
@media (max-width: 1024px) {
    .numbers-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .market-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .market-tables-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .numbers-grid {
        grid-template-columns: 1fr;
    }
    .market-grid {
        grid-template-columns: 1fr;
    }
    .counter {
        font-size: 34px;
    }
    .numbers-section, .market-section {
        padding: 60px 0;
    }
}

/* ===== Scrollbar ===== */
::-webkit-scrollbar {
    width: 8px;
}

::-webkit-scrollbar-track {
    background: #f1f1f1;
}

::-webkit-scrollbar-thumb {
    background: #c1c1c1;
    border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
    background: #a1a1a1;
}

/* ===== Additional Sections & Theme Elements ===== */

/* Header direct contacts */
.nav-phone {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--dark);
    padding: 6px 12px;
    border-radius: 8px;
    border: 1.5px solid transparent;
    transition: var(--transition-fast);
}
.nav-phone:hover {
    border-color: var(--primary);
    color: var(--primary);
    background: var(--primary-light);
}
.nav-phone svg {
    color: var(--primary);
}
.nav-whatsapp {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--white);
    background: #25d366;
    padding: 6px 12px;
    border-radius: 8px;
    transition: var(--transition-fast);
}
.nav-whatsapp:hover {
    background: #20ba5a;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(37,211,102,0.3);
}

/* Floating WhatsApp button */
.whatsapp-float {
    position: fixed;
    bottom: 24px;
    right: 24px;
    width: 56px;
    height: 56px;
    background-color: #25d366;
    color: #fff;
    border-radius: 50%;
    text-align: center;
    box-shadow: 0 4px 16px rgba(0,0,0,0.15);
    z-index: 100;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    animation: whatsappBounce 2s infinite;
}
.whatsapp-float:hover {
    background-color: #20ba5a;
    transform: scale(1.1) translateY(-5px);
    box-shadow: 0 8px 24px rgba(37,211,102,0.4);
}
@keyframes whatsappBounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-6px); }
}

/* About Section styles */
.about-section {
    padding: 100px 0;
    background: var(--light-bg);
}

.about-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 40px;
    align-items: center;
}

.about-company-info {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.about-para {
    font-size: 16px;
    color: var(--dark-secondary);
    line-height: 1.8;
    text-align: left;
}

.about-corporate-card {
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: 24px;
    padding: 36px;
    box-shadow: var(--card-shadow);
    transition: var(--transition);
}

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

.corporate-title {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 24px;
    letter-spacing: -0.5px;
}

.corporate-details-list {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.corporate-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.corp-icon {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    background: var(--primary-light);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: var(--transition-fast);
}

.corporate-item:hover .corp-icon {
    transform: scale(1.1) rotate(5deg);
    background: var(--primary);
    color: var(--white);
}

.corp-content {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.corp-label {
    font-size: 11px;
    font-weight: 700;
    color: var(--dark-secondary);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.corp-value {
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
    line-height: 1.4;
    word-break: break-all;
}

/* Forms general grid structure matching SIP calculator */
.eligibility-section {
    padding: 100px 0;
    background: var(--white);
}
.eligibility-box {
    background: var(--light-bg);
    border-radius: 20px;
    padding: 40px;
    max-width: 800px;
    margin: 0 auto;
    box-shadow: var(--card-shadow);
}
.eligibility-form .form-row,
.apply-form .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 20px;
}
.eligibility-form .form-group,
.apply-form .form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.eligibility-form label,
.apply-form label {
    font-size: 13px;
    font-weight: 600;
    color: var(--dark-secondary);
}

.form-select {
    width: 100%;
    border: none;
    outline: none;
    background: transparent;
    font-size: 15px;
    font-weight: 600;
    color: var(--dark);
    font-family: var(--font);
    cursor: pointer;
    -webkit-appearance: none;
    appearance: none;
    padding-right: 32px;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%237c7e8c' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: calc(100% - 4px) center;
    background-size: 14px;
}


/* FAQ accordion styles */
.faq-section {
    padding: 100px 0;
    background: var(--white);
}
.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}
.faq-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 12px;
    overflow: hidden;
    transition: var(--transition);
}
.faq-item:hover {
    border-color: var(--primary);
    box-shadow: 0 4px 16px rgba(0,208,156,0.06);
    transform: translateY(-1px);
}
.faq-item.active {
    border-color: var(--primary);
    box-shadow: 0 8px 24px rgba(0,208,156,0.08);
    background: var(--white);
}
.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    text-align: left;
    font-size: 15px;
    font-weight: 700;
    color: var(--dark);
    cursor: pointer;
    font-family: var(--font);
    transition: var(--transition-fast);
}
.faq-question:hover {
    color: var(--primary);
}
.faq-item.active .faq-question {
    color: var(--primary-dark);
}
.faq-chevron {
    color: var(--dark-secondary);
    transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1), color 0.3s ease;
}
.faq-item.active .faq-chevron {
    transform: rotate(180deg);
    color: var(--primary);
}
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
.faq-answer p {
    padding: 0 24px 20px;
    font-size: 14px;
    color: var(--dark-secondary);
    line-height: 1.6;
}

/* Apply Section styles */
.apply-section {
    padding: 100px 0;
    background: var(--light-bg);
}
.apply-box {
    background: var(--white);
    border-radius: 20px;
    padding: 40px;
    max-width: 800px;
    margin: 0 auto;
    box-shadow: var(--card-shadow);
}
.apply-success {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

/* Responsive updates for new forms */
@media (max-width: 768px) {
    .eligibility-form .form-row,
    .apply-form .form-row {
        grid-template-columns: 1fr;
        gap: 16px;
        margin-bottom: 16px;
    }
    .eligibility-box,
    .apply-box,
    .about-corporate-card {
        padding: 24px;
    }
    .nav-phone,
    .nav-whatsapp {
        display: none !important;
    }
}

/* ===================================================
   TOOLS — Navbar additions
=================================================== */
.badge-new {
    display: inline-block;
    font-size: 9px;
    font-weight: 700;
    background: var(--primary);
    color: #fff;
    border-radius: 4px;
    padding: 1px 5px;
    margin-left: 4px;
    vertical-align: middle;
    letter-spacing: 0.3px;
}
.dropdown-grid-more {
    grid-template-columns: 1fr;
    min-width: 260px;
}
.dropdown-menu-more {
    left: auto;
    right: -20px;
}

/* ===================================================
   TOOLS HUB SECTION
=================================================== */
.tools-section {
    padding: 100px 0;
    background: var(--light-bg);
}
.tools-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--primary-light);
    color: var(--primary-dark);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 50px;
    margin-bottom: 16px;
}
.tools-hub-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 48px;
}
.tool-hub-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 24px;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
    display: flex;
    flex-direction: column;
    gap: 12px;
    position: relative;
    overflow: hidden;
}
.tool-hub-card::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 18px;
    opacity: 0;
    transition: opacity 0.3s ease;
    background: linear-gradient(135deg, rgba(0,208,156,0.04) 0%, rgba(83,103,255,0.04) 100%);
}
.tool-hub-card:hover {
    border-color: transparent;
    box-shadow: 0 12px 40px rgba(0,0,0,0.1);
    transform: translateY(-4px);
}
.tool-hub-card:hover::before { opacity: 1; }
.thc-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.thc-icon-wrap {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.thc-tag {
    font-size: 11px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 50px;
    letter-spacing: 0.3px;
}
.thc-title {
    font-size: 17px;
    font-weight: 700;
    color: var(--dark);
    line-height: 1.3;
}
.thc-desc {
    font-size: 13px;
    color: var(--dark-secondary);
    line-height: 1.6;
    flex: 1;
}
.thc-preview {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: var(--light-bg);
    border-radius: 10px;
    padding: 10px 14px;
    font-size: 13px;
    color: var(--dark-secondary);
}
.thc-pval {
    font-weight: 700;
    color: var(--primary);
}
.thc-cibil-mini { width: 100%; }
.thc-cibil-bar {
    height: 6px;
    background: #eee;
    border-radius: 4px;
    margin-bottom: 6px;
    overflow: hidden;
}
.thc-cibil-fill {
    height: 100%;
    background: linear-gradient(90deg, #e53935, #f5a623, #00d09c, #00b386);
    border-radius: 4px;
}
.thc-cta {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
    background: none;
    border: 1.5px solid rgba(0,208,156,0.35);
    border-radius: 8px;
    padding: 9px 16px;
    cursor: pointer;
    transition: all 0.2s ease;
    width: 100%;
    justify-content: center;
}
.thc-cta:hover {
    background: var(--primary-light);
}

/* ===================================================
   TOOL OVERLAY SYSTEM
=================================================== */
.tool-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.55);
    z-index: 2000;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
    backdrop-filter: blur(4px);
}
.tool-backdrop.active {
    opacity: 1;
    visibility: visible;
}
.tool-sheet {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    height: 92vh;
    background: var(--white);
    border-radius: 20px 20px 0 0;
    z-index: 2001;
    transform: translateY(100%);
    display: flex;
    flex-direction: column;
    box-shadow: 0 -8px 48px rgba(0,0,0,0.18);
    will-change: transform;
}
.tool-sheet-handle {
    width: 40px;
    height: 4px;
    background: #ddd;
    border-radius: 4px;
    margin: 12px auto 0;
    flex-shrink: 0;
}
.tool-sheet-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 28px 16px;
    border-bottom: 1px solid var(--border);
    flex-shrink: 0;
}
.tsh-info {
    display: flex;
    align-items: center;
    gap: 14px;
}
.tsh-icon {
    width: 46px;
    height: 46px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.tsh-title {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
}
.tsh-sub {
    font-size: 13px;
    color: var(--dark-secondary);
    margin-top: 2px;
}
.tool-close-btn {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 1.5px solid var(--border);
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    color: var(--dark-secondary);
    transition: all 0.2s ease;
    flex-shrink: 0;
}
.tool-close-btn:hover {
    background: var(--light-bg);
    color: var(--dark);
    border-color: var(--dark);
}
.tool-sheet-body {
    flex: 1;
    overflow-y: auto;
    padding: 28px;
    overscroll-behavior: contain;
}
.tool-panel { display: none; }
.tool-panel.active { display: block; }

/* ===================================================
   TOOL WIDGETS — Shared
=================================================== */
.tool-two-col {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 32px;
    align-items: start;
}
.tool-inputs-col { display: flex; flex-direction: column; gap: 20px; }
.tool-result-col { display: flex; flex-direction: column; gap: 18px; }

.tool-input-group { display: flex; flex-direction: column; gap: 8px; }
.tig-label-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
}
.tig-label-row label {
    font-size: 13px;
    font-weight: 600;
    color: var(--dark);
    white-space: nowrap;
}
.tig-input-wrap {
    display: flex;
    align-items: center;
    gap: 6px;
    background: var(--light-bg);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 7px 12px;
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
    min-width: 110px;
}
.tig-input-wrap input {
    border: none;
    background: transparent;
    font-family: var(--font);
    font-size: 14px;
    font-weight: 600;
    color: var(--dark);
    width: 80px;
    text-align: right;
    outline: none;
}
.tig-input-wrap:focus-within {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0,208,156,0.12);
}
.tig-minmax {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--dark-secondary);
    padding: 0 2px;
}
.tig-standalone-label {
    font-size: 13px;
    font-weight: 600;
    color: var(--dark);
}
.tool-range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 4px;
    border-radius: 4px;
    background: linear-gradient(to right, var(--primary) 0%, var(--primary) 50%, #e0e0e0 50%, #e0e0e0 100%);
    outline: none;
    cursor: pointer;
}
.tool-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--primary);
    border: 3px solid white;
    box-shadow: 0 2px 8px rgba(0,208,156,0.4);
    cursor: pointer;
    transition: transform 0.2s ease;
}
.tool-range::-webkit-slider-thumb:hover { transform: scale(1.2); }
.tool-select {
    width: 100%;
    padding: 10px 14px;
    border: 1px solid var(--border);
    border-radius: 8px;
    font-family: var(--font);
    font-size: 14px;
    font-weight: 500;
    color: var(--dark);
    background: var(--white);
    outline: none;
    cursor: pointer;
    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='%2344475b' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
}
.tool-select:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(0,208,156,0.12); }

/* Result cards row */
.emi-result-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin-top: 4px;
}
.erc-item {
    background: var(--light-bg);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 12px 14px;
    border-top: 3px solid var(--erc-color);
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.erc-label { font-size: 11px; font-weight: 600; color: var(--dark-secondary); text-transform: uppercase; letter-spacing: 0.4px; }
.erc-val { font-size: 16px; font-weight: 800; color: var(--dark); }

/* Donut chart */
.tool-chart-wrap {
    position: relative;
    width: 200px;
    height: 200px;
    margin: 0 auto;
}
.tool-chart-wrap canvas {
    width: 200px !important;
    height: 200px !important;
}
.tool-chart-center {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    pointer-events: none;
}
.tcc-label { font-size: 11px; font-weight: 600; color: var(--dark-secondary); text-transform: uppercase; letter-spacing: 0.4px; }
.tcc-val { font-size: 18px; font-weight: 800; color: var(--dark); margin-top: 2px; }

/* Legend */
.tool-legend { display: flex; flex-direction: column; gap: 8px; }
.tl-item { display: flex; align-items: center; gap: 10px; font-size: 13px; color: var(--dark-secondary); }
.tl-item strong { margin-left: auto; font-weight: 700; color: var(--dark); }
.tl-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }

/* Amortization table */
.tool-amort { background: var(--light-bg); border-radius: 12px; overflow: hidden; }
.ta-title { font-size: 13px; font-weight: 700; color: var(--dark); padding: 12px 16px 8px; }
.ta-table-wrap { overflow-x: auto; max-height: 200px; overflow-y: auto; }
.ta-table { width: 100%; border-collapse: collapse; font-size: 12px; }
.ta-table th { background: #eef0f5; padding: 8px 12px; text-align: right; font-weight: 700; color: var(--dark); position: sticky; top: 0; }
.ta-table th:first-child { text-align: left; }
.ta-table td { padding: 7px 12px; border-bottom: 1px solid #eee; text-align: right; color: var(--dark); }
.ta-table td:first-child { text-align: left; font-weight: 600; }
.ta-table tr:last-child td { border-bottom: none; }
.ta-table tr:nth-child(even) td { background: #fafafa; }

/* ===================================================
   CIBIL PANEL
=================================================== */
.cibil-layout { display: grid; grid-template-columns: 320px 1fr; gap: 32px; }
.cibil-gauge-col { display: flex; flex-direction: column; gap: 16px; }
.cibil-gauge-wrap { position: relative; display: flex; justify-content: center; }
.cibil-gauge-svg { width: 220px; height: 130px; }
.cibil-num-wrap {
    position: absolute;
    bottom: 4px;
    left: 50%;
    transform: translateX(-50%);
    text-align: center;
}
.cibil-num { font-size: 42px; font-weight: 900; color: var(--dark); display: block; line-height: 1; }
.cibil-badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 50px;
    margin-top: 4px;
    background: var(--primary-light);
    color: var(--primary-dark);
}
.cibil-slider { margin-top: 8px; }
.cibil-ranges { display: flex; flex-direction: column; gap: 6px; }
.cr-item { display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--dark-secondary); }
.cr-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.cr-item strong { margin-left: auto; font-size: 12px; font-weight: 700; color: var(--dark); }
.cibil-info-col { display: flex; flex-direction: column; gap: 20px; }
.cibil-impact-card {
    background: var(--light-bg);
    border-radius: 14px;
    padding: 20px;
    border-left: 4px solid var(--primary);
}
.cic-desc { font-size: 14px; color: var(--dark); line-height: 1.6; margin-bottom: 14px; font-weight: 500; }
.cle-items { display: flex; flex-direction: column; gap: 8px; }
.cle-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--dark-secondary); }
.cibil-tips { display: flex; flex-direction: column; gap: 10px; }
.cibil-tips h4 { font-size: 14px; font-weight: 700; color: var(--dark); margin-bottom: 4px; }
.ct-item { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--dark-secondary); line-height: 1.5; }
.ct-num {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--primary);
    color: white;
    font-size: 11px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
}
.cibil-cta-row { display: flex; flex-direction: column; }
.cibil-cta-row p { font-size: 13px; color: var(--dark-secondary); }

/* ===================================================
   ELIGIBILITY PANEL
=================================================== */
.el-toggle-wrap { display: flex; gap: 8px; }
.el-toggle-btn {
    flex: 1;
    padding: 10px;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    background: var(--white);
    font-family: var(--font);
    font-size: 14px;
    font-weight: 600;
    color: var(--dark-secondary);
    cursor: pointer;
    transition: all 0.2s ease;
}
.el-toggle-btn.active {
    background: var(--primary-light);
    border-color: var(--primary);
    color: var(--primary-dark);
}
.el-result-box {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    border-radius: 16px;
    padding: 24px;
    color: white;
    text-align: center;
}
.el-result-label { font-size: 12px; font-weight: 600; opacity: 0.85; text-transform: uppercase; letter-spacing: 0.6px; }
.el-result-amount { font-size: 36px; font-weight: 900; margin: 8px 0 4px; }
.el-result-sub { font-size: 12px; opacity: 0.8; margin-bottom: 16px; }
.el-prog-wrap { margin-top: 12px; }
.el-prog-track { height: 8px; background: rgba(255,255,255,0.25); border-radius: 4px; overflow: hidden; margin-bottom: 6px; }
.el-prog-fill { height: 100%; background: white; border-radius: 4px; transition: width 0.8s cubic-bezier(0.4,0,0.2,1); }
.el-prog-labels { display: flex; justify-content: space-between; font-size: 10px; opacity: 0.75; }
.el-breakdown { background: var(--light-bg); border-radius: 12px; padding: 16px; display: flex; flex-direction: column; gap: 0; }
.elb-row { display: flex; align-items: center; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 13px; color: var(--dark-secondary); }
.elb-row:last-child { border-bottom: none; }
.elb-row strong { font-weight: 700; color: var(--dark); }
.elb-highlight { background: var(--primary-light); margin: 0 -16px; padding: 8px 16px; border-bottom: 1px solid rgba(0,208,156,0.2) !important; }
.elb-highlight span { color: var(--primary-dark); font-weight: 600; }
.elb-highlight strong { color: var(--primary-dark); }

/* ===================================================
   SIP PANEL
=================================================== */
.sip-wealth-bar { background: var(--light-bg); border-radius: 12px; padding: 14px 16px; }
.swb-label { font-size: 12px; font-weight: 600; color: var(--dark-secondary); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.4px; }
.swb-track { height: 10px; background: #e0e0e0; border-radius: 6px; overflow: hidden; margin-bottom: 6px; }
.swb-fill { height: 100%; background: linear-gradient(90deg, #8b5cf6, #00d09c); border-radius: 6px; transition: width 0.8s cubic-bezier(0.4,0,0.2,1); }
.swb-nums { display: flex; justify-content: space-between; align-items: center; font-size: 12px; }
.swb-pct { font-size: 16px; font-weight: 800; color: #00d09c; }

/* ===================================================
   BALANCE TRANSFER PANEL
=================================================== */
.bt-comparison { display: grid; grid-template-columns: 1fr 40px 1fr; gap: 8px; align-items: center; }
.btc-col {
    background: var(--light-bg);
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 16px;
    text-align: center;
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.btc-new {
    background: var(--primary-light);
    border-color: rgba(0,208,156,0.3);
}
.btc-bank-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; color: var(--dark-secondary); }
.btc-emi { font-size: 26px; font-weight: 900; color: var(--dark); margin-top: 4px; }
.btc-emi-new { color: var(--primary-dark); }
.btc-sub { font-size: 11px; color: var(--dark-secondary); margin-bottom: 8px; }
.btc-detail { display: flex; justify-content: space-between; align-items: center; font-size: 12px; color: var(--dark-secondary); padding: 3px 0; }
.btc-detail strong { font-weight: 700; color: var(--dark); }
.btc-rate-tag {
    margin-top: 8px;
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 50px;
    background: #f0f0f0;
    color: var(--dark-secondary);
}
.btc-rate-new { background: rgba(0,208,156,0.15); color: var(--primary-dark); }
.btc-vs { display: flex; align-items: center; justify-content: center; }
.bt-savings-box { background: var(--light-bg); border-radius: 12px; padding: 16px; display: flex; flex-direction: column; gap: 0; }
.btsb-row { display: flex; align-items: center; justify-content: space-between; padding: 9px 0; border-bottom: 1px solid var(--border); font-size: 13px; color: var(--dark-secondary); }
.btsb-row:last-child { border-bottom: none; }
.btsb-row strong { font-size: 16px; font-weight: 800; }
.btsb-highlight { background: rgba(0,208,156,0.08); border-radius: 8px; margin: 0 -4px; padding: 9px 4px; }
.positive { color: #00b386; }

/* ===================================================
   LOAN COMPARISON PANEL
=================================================== */
.compare-controls {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 16px;
    margin-bottom: 24px;
    background: var(--light-bg);
    border-radius: 14px;
    padding: 20px;
}
.cc-group { display: flex; flex-direction: column; gap: 8px; }
.cc-group label { font-size: 12px; font-weight: 700; color: var(--dark-secondary); text-transform: uppercase; letter-spacing: 0.4px; }
.cc-input-wrap { border: 1px solid var(--border); border-radius: 8px; padding: 9px 12px; background: var(--white); }
.compare-table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: 14px; }
.compare-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.compare-table th { background: var(--dark); color: white; padding: 12px 16px; text-align: left; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.4px; white-space: nowrap; }
.compare-table th:not(:first-child) { text-align: right; }
.compare-table td { padding: 12px 16px; border-bottom: 1px solid var(--border); color: var(--dark); white-space: nowrap; }
.compare-table td:not(:first-child) { text-align: right; }
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:hover td { background: var(--light-bg); }
.cmp-best { background: var(--primary-light) !important; }
.cmp-best td { color: var(--primary-dark) !important; }
.cmp-bank { font-weight: 700; color: var(--dark); }
.cmp-rate { font-weight: 700; }
.cmp-badge { display: inline-block; font-size: 10px; font-weight: 700; background: var(--primary); color: white; border-radius: 4px; padding: 2px 6px; margin-left: 6px; }
.cmp-apply { font-size: 12px; font-weight: 600; color: var(--primary); background: var(--primary-light); border: none; border-radius: 6px; padding: 5px 12px; cursor: pointer; white-space: nowrap; transition: all 0.2s ease; }
.cmp-apply:hover { background: var(--primary); color: white; }
.compare-note { font-size: 12px; color: var(--dark-secondary); margin-top: 14px; padding: 0 4px; line-height: 1.5; }

/* ===================================================
   RESPONSIVE — Tools
=================================================== */
@media (max-width: 1024px) {
    .tools-hub-grid { grid-template-columns: repeat(2, 1fr); }
    .cibil-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
    .tools-hub-grid { grid-template-columns: 1fr; }
    .tool-two-col { grid-template-columns: 1fr; }
    .tool-sheet { height: 96vh; }
    .tool-sheet-body { padding: 20px; }
    .tool-sheet-head { padding: 14px 20px; }
    .emi-result-cards { grid-template-columns: 1fr; }
    .bt-comparison { grid-template-columns: 1fr; }
    .btc-vs { display: none; }
    .compare-controls { grid-template-columns: 1fr; }
    .tsh-title { font-size: 16px; }
    .cibil-layout { grid-template-columns: 1fr; }
    .dropdown-grid-more { min-width: 200px; }
}


/* ===================================================
   ISOMETRIC HERO SECTION
   =================================================== */
.hero-iso-wrap {
    position: relative;
    width: 100%;
    height: 100%;
    min-height: 460px;
    display: flex;
    align-items: center;
    justify-content: center;
}

#heroIsoSvg {
    width: 100%;
    height: 100%;
    max-height: 520px;
    display: block;
    filter: drop-shadow(0 20px 40px rgba(0,0,0,0.08));
}

/* Particles */
.iso-particle { pointer-events: none; }

/* Mobile / iPad */
@media (max-width: 1024px) {
    .hero-iso-wrap { min-height: 380px; }
}

@media (max-width: 768px) {
    .hero-iso-wrap { min-height: 300px; }
}

/* ===================================================
   LOAN RATE COMPARISON — TABS
   =================================================== */
.rate-tabs-wrap {
    margin-top: 40px;
    background: var(--white);
    border-radius: 20px;
    box-shadow: var(--card-shadow);
    overflow: hidden;
    border: 1px solid var(--border);
}

.rate-tabs {
    display: flex;
    border-bottom: 1px solid var(--border);
    background: var(--light-bg);
    overflow-x: auto;
    scrollbar-width: none;
}
.rate-tabs::-webkit-scrollbar { display: none; }

.rate-tab {
    flex: 1;
    min-width: 130px;
    padding: 14px 20px;
    font-size: 14px;
    font-weight: 600;
    color: var(--dark-secondary);
    background: transparent;
    border: none;
    cursor: pointer;
    border-bottom: 3px solid transparent;
    transition: var(--transition);
    white-space: nowrap;
}
.rate-tab:hover { color: var(--primary); background: rgba(0,208,156,0.04); }
.rate-tab.active {
    color: var(--primary);
    background: var(--white);
    border-bottom-color: var(--primary);
}

.rate-tab-panels { padding: 8px 0; }

.rate-tab-panel { display: none; }
.rate-tab-panel.active { display: block; }

.rate-tab-panel .market-table { border: none; padding: 4px 0; }
.rate-tab-panel .mt-row { padding: 12px 24px; }
.rate-tab-panel .mt-row.mt-header { padding: 10px 24px; }
.rate-tab-panel .mt-row { grid-template-columns: 2fr 1fr 1fr 1fr; }

.mt-badge {
    display: inline-block;
    font-size: 11px;
    font-weight: 600;
    padding: 3px 10px;
    border-radius: 20px;
    background: var(--light-bg);
    color: var(--dark-secondary);
}
.mt-badge.best {
    background: #e8faf4;
    color: var(--primary-dark);
}
.fw600 { font-weight: 700; }

.rate-disclaimer {
    font-size: 12px;
    color: var(--dark-secondary);
    padding: 12px 24px 16px;
    border-top: 1px solid var(--border);
    margin: 0;
}

/* ===================================================
   FINANCIAL SERVICES SECTION
   =================================================== */
.fin-services-section {
    padding: 80px 0;
    background: linear-gradient(180deg, #f4f7fe 0%, #fff 100%);
}

.fin-services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 48px;
}

/* Last row: 2 cards centred */
.fsc-card:nth-child(4),
.fsc-card:nth-child(5) {
    grid-column: auto;
}
@supports (display: grid) {
    .fin-services-grid {
        /* Push cards 4-5 to centre on last row */
        grid-template-columns: repeat(6, 1fr);
    }
    .fsc-card { grid-column: span 2; }
    .fsc-card:nth-child(4) { grid-column: 2 / span 2; }
    .fsc-card:nth-child(5) { grid-column: 4 / span 2; }
}

.fsc-card {
    background: var(--white);
    border-radius: 20px;
    padding: 32px 28px;
    border: 1px solid var(--border);
    box-shadow: var(--card-shadow);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.fsc-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--card-shadow-hover);
    border-color: rgba(0,208,156,0.3);
}

.fsc-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.fsc-title {
    font-size: 17px;
    font-weight: 700;
    color: var(--dark);
    margin: 0;
}

.fsc-desc {
    font-size: 14px;
    color: var(--dark-secondary);
    line-height: 1.6;
    margin: 0;
    flex: 1;
}

.fsc-btn {
    align-self: flex-start;
    padding: 9px 22px;
    border-radius: 50px;
    border: 1.5px solid var(--primary);
    background: transparent;
    color: var(--primary);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}
.fsc-btn:hover {
    background: var(--primary);
    color: #fff;
}

.fsc-note {
    text-align: center;
    font-size: 13px;
    color: var(--dark-secondary);
    margin-top: 32px;
    font-style: italic;
}

/* ===================================================
   CONSULTATION MODAL
   =================================================== */
.consult-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.45);
    z-index: 2000;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}
.consult-backdrop.active {
    opacity: 1;
    pointer-events: all;
}

.consult-modal {
    position: fixed;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -54%) scale(0.94);
    width: min(480px, 92vw);
    background: var(--white);
    border-radius: 24px;
    padding: 36px 36px 32px;
    z-index: 2001;
    box-shadow: 0 24px 60px rgba(0,0,0,0.18);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease, transform 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
.consult-modal.active {
    opacity: 1;
    pointer-events: all;
    transform: translate(-50%, -50%) scale(1);
}

.consult-close {
    position: absolute;
    top: 16px;
    right: 20px;
    background: none;
    border: none;
    font-size: 26px;
    color: var(--dark-secondary);
    cursor: pointer;
    line-height: 1;
    transition: color 0.2s;
}
.consult-close:hover { color: var(--dark); }

.consult-icon-wrap {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    font-size: 26px;
}

.consult-title {
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
    margin: 0 0 6px;
}
.consult-sub {
    font-size: 14px;
    color: var(--dark-secondary);
    margin: 0 0 24px;
}

.consult-form { display: flex; flex-direction: column; gap: 16px; }

.consult-field { display: flex; flex-direction: column; gap: 6px; }
.consult-field label {
    font-size: 13px;
    font-weight: 600;
    color: var(--dark);
}
.consult-field input,
.consult-field select {
    padding: 11px 14px;
    border: 1.5px solid var(--border);
    border-radius: 10px;
    font-size: 14px;
    font-family: var(--font);
    color: var(--dark);
    outline: none;
    transition: border-color 0.2s;
    background: var(--white);
}
.consult-field input:focus,
.consult-field select:focus {
    border-color: var(--primary);
}

.consult-submit {
    padding: 14px;
    background: var(--primary);
    color: #fff;
    border: none;
    border-radius: 12px;
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 4px;
}
.consult-submit:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
}

.consult-success {
    text-align: center;
    padding: 20px 0 8px;
}
.consult-success-icon {
    width: 60px;
    height: 60px;
    background: #e8faf4;
    color: var(--primary);
    border-radius: 50%;
    font-size: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}
.consult-success h4 {
    font-size: 20px;
    font-weight: 700;
    color: var(--dark);
    margin: 0 0 8px;
}
.consult-success p {
    font-size: 14px;
    color: var(--dark-secondary);
    margin: 0;
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
    .fin-services-grid {
        grid-template-columns: repeat(2, 1fr) !important;
    }
    .fsc-card { grid-column: span 1 !important; }
    .fsc-card:nth-child(4),
    .fsc-card:nth-child(5) { grid-column: auto !important; }
    .fsc-card:nth-child(5) { grid-column: 1 / span 2 !important; justify-self: center; max-width: 380px; width: 100%; }
}

@media (max-width: 768px) {
    .fin-services-grid {
        grid-template-columns: 1fr !important;
    }
    .fsc-card,
    .fsc-card:nth-child(4),
    .fsc-card:nth-child(5) {
        grid-column: auto !important;
        max-width: 100% !important;
        justify-self: auto !important;
    }
    .rate-tab { padding: 12px 14px; font-size: 13px; min-width: 110px; }
    .rate-tab-panel .mt-row { grid-template-columns: 2fr 1fr 1fr 1fr; padding: 10px 16px; }
    .consult-modal { padding: 28px 22px 24px; }
}

/* ===================================================
   TYPOGRAPHIC GSAP ANIMATIONS
   =================================================== */

/* Word wrapper — clips the reveal */
.txt-word {
    display: inline-block;
    overflow: hidden;
    vertical-align: bottom;
    /* preserve line-height so siblings don't shift */
    padding-bottom: 0.08em;
    margin-bottom: -0.08em;
}

/* Inner span — this is what slides */
.txt-inner {
    display: inline-block;
    position: relative;
}

/* Marker-pen keyword highlight (legacy) */
.kw-mark {
    position: absolute;
    inset: 2px -4px -2px -4px;
    background: var(--kw-color, #00d09c);
    opacity: 0;
    border-radius: 5px;
    transform-origin: left center;
    transform: scaleX(0);
    z-index: -1;
    pointer-events: none;
}

/* Underline stroke (legacy) */
.kw-underline {
    position: absolute;
    bottom: -3px;
    left: 0;
    width: 100%;
    height: 3px;
    border-radius: 2px;
    background: var(--kw-color, #00d09c);
    transform-origin: left center;
    transform: scaleX(0);
    pointer-events: none;
}

/* ── Gradient color-wipe keyword highlight ── */
/* GSAP applies background-clip:text + clip-path inline after slide lands */
.txt-inner.is-kw {
    display: inline-block;
}

/* ===== Section-title initial state (set by JS via gsap.set) ===== */
/* Nothing needed here — GSAP controls it */

/* ════════════════════════════════════════════
   LOAN PROCESS SECTION
   ════════════════════════════════════════════ */
.process-section {
    padding: 96px 0;
    background: linear-gradient(180deg, #f7f9fc 0%, #fff 100%);
}


.process-timeline {
    max-width: 1200px;
    margin: 56px auto 0;
    display: flex;
    flex-direction: row;
    align-items: flex-start;
    gap: 24px;
}

.pstep {
    display: flex;
    flex-direction: column;
    align-items: center;
    width: 25%;
    position: relative;
}

/* Number bubble */
.pstep-bubble {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: linear-gradient(135deg, #00d09c 0%, #5367ff 100%);
    box-shadow: 0 8px 24px rgba(83,103,255,0.30);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    flex-shrink: 0;
    z-index: 1;
}

.pstep-num {
    font-size: 22px;
    font-weight: 800;
    color: #fff;
    line-height: 1;
}

.pstep-icon-ring {
    display: none; /* icon hidden — only number shown */
}

/* Step card */
.pstep-card {
    margin-top: 20px;
    background: #fff;
    border: 1px solid #eef0f6;
    border-radius: 20px;
    padding: 24px 32px;
    text-align: center;
    width: 100%;
    box-shadow: 0 4px 24px rgba(30,40,90,0.06);
}

.pstep-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
}

.pstep-desc {
    font-size: 14px;
    color: var(--gray);
    line-height: 1.65;
    margin: 0;
}

/* Dashed connector between steps */
.pstep-connector {
    width: calc(100% - 64px + 24px);
    height: 2px;
    position: absolute;
    top: 31px;
    left: calc(50% + 32px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 0;
}

.pstep-connector span {
    display: block;
    width: 100%;
    height: 2px;
    background: repeating-linear-gradient(
        to right,
        #00d09c 0px,
        #00d09c 7px,
        transparent 7px,
        transparent 15px
    );
    border-radius: 2px;
}

.pstep:last-child .pstep-connector {
    display: none;
}

@media (max-width: 768px) {
    .process-timeline {
        flex-direction: column;
        max-width: 520px;
        gap: 0;
    }
    .pstep {
        width: 100%;
    }
    .pstep-card { padding: 20px 20px; }
    .process-timeline { padding: 0 4px; }
    .pstep-connector {
        width: 2px;
        height: 48px;
        position: static;
        margin: 0 auto;
    }
    .pstep-connector span {
        width: 2px;
        height: 100%;
        background: repeating-linear-gradient(
            to bottom,
            #00d09c 0px,
            #00d09c 7px,
            transparent 7px,
            transparent 15px
        );
    }
    .pstep:last-child .pstep-connector {
        display: none;
    }
}

/* ════════════════════════════════════════════
   BANKING PARTNERS SECTION
   ════════════════════════════════════════════ */
.partners-section {
    padding: 96px 0 80px;
    background: #fff;
}

.partners-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-top: 52px;
}

.partner-card {
    background: #fff;
    border: 1px solid #eef0f6;
    border-radius: 18px;
    padding: 0 0 20px;
    overflow: hidden;
    box-shadow: 0 2px 16px rgba(30,40,90,0.05);
    transition: transform 0.22s ease, box-shadow 0.22s ease;
    cursor: default;
}

.partner-card:hover {
    box-shadow: 0 8px 28px rgba(30,40,90,0.10);
}

/* Colored top accent bar */
.partner-accent {
    height: 5px;
    width: 100%;
    border-radius: 0;
}

/* Bank logo */
.partner-logo-wrap {
    width: 52px;
    height: 52px;
    border-radius: 12px;
    border: 1px solid #eef0f6;
    background: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 18px 0 0 18px;
    overflow: hidden;
    padding: 6px;
}

.partner-logo {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.partner-info {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 18px 4px;
    flex-wrap: wrap;
}

.partner-name {
    font-size: 15px;
    font-weight: 700;
    color: var(--dark);
}

.partner-badge {
    font-size: 10px;
    font-weight: 600;
    padding: 2px 8px;
    border-radius: 20px;
    letter-spacing: 0.3px;
    white-space: nowrap;
}

.partner-badge.private { background: rgba(83,103,255,0.10); color: #5367ff; }
.partner-badge.psu     { background: rgba(34,64,154,0.10);  color: #22409A; }
.partner-badge.nbfc    { background: rgba(245,166,35,0.12); color: #c47f00; }

.partner-tag {
    font-size: 12px;
    color: var(--gray);
    padding: 0 18px;
    line-height: 1.4;
}

.partners-note {
    text-align: center;
    font-size: 12px;
    font-style: italic;
    color: #aaa;
    margin-top: 36px;
}

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

@media (max-width: 700px) {
    .partners-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
    .partners-section { padding: 64px 0 56px; }
    .process-section  { padding: 64px 0; }
}

/* ================================================================
   DARK MODE — CSS Variables
   ================================================================ */
:root {
    --bg-primary: #ffffff;
    --bg-secondary: #f7f9fc;
    --bg-card: #ffffff;
    --text-primary: #1a1a2e;
    --text-secondary: #555577;
    --text-muted: #888899;
    --border-color: #e5e7eb;
    --shadow-card: 0 2px 16px rgba(0,0,0,0.07);
}
body.dark-mode {
    --bg-primary: #0f1117;
    --bg-secondary: #181c26;
    --bg-card: #1e2230;
    --text-primary: #ecedf5;
    --text-secondary: #a8aabb;
    --text-muted: #6b7280;
    --border-color: #2d3248;
    --shadow-card: 0 2px 16px rgba(0,0,0,0.35);
    /* Override old variables so every var(--dark/--white/--border) also adapts */
    --dark: #ecedf5;
    --dark-secondary: #a8aabb;
    --dark-light: #6b7280;
    --white: #1e2230;
    --light-bg: #181c26;
    --border: #2d3248;
    background: var(--bg-primary);
    color: var(--text-primary);
}
body.dark-mode .navbar,
body.dark-mode .nav-wrapper { background: rgba(15,17,23,0.97); border-bottom-color: var(--border-color); }
body.dark-mode .dropdown-menu { background: var(--bg-card); border-color: var(--border-color); }
body.dark-mode .hero,
body.dark-mode .hero-section { background: linear-gradient(135deg, #0f1117 0%, #181c26 100%) !important; }
body.dark-mode .ticker-section { background: transparent !important; }
/* Hero elements white in dark mode */
body.dark-mode .hero-badge {
    background: rgba(255,255,255,0.06) !important;
    border-color: rgba(255,255,255,0.12) !important;
    color: var(--text-primary) !important;
}
body.dark-mode .floating-card {
    background: var(--bg-card) !important;
    border-color: var(--border-color) !important;
}
body.dark-mode .floating-card .fc-title { color: var(--text-secondary) !important; }
body.dark-mode .floating-card .fc-value { color: var(--text-primary) !important; }
body.dark-mode .green-bg { background: rgba(0,208,156,0.15) !important; }
body.dark-mode .blue-bg  { background: rgba(83,103,255,0.15) !important; }
body.dark-mode .gold-bg  { background: rgba(255,180,0,0.12) !important; }
/* Mobile menu dark mode */
body.dark-mode .mobile-menu {
    background: var(--bg-card) !important;
    border-color: var(--border-color) !important;
}
body.dark-mode .mobile-menu a { color: var(--text-primary) !important; border-color: var(--border-color) !important; }
body.dark-mode .mobile-menu .mm-group-title { color: var(--text-muted) !important; }
body.dark-mode .market-section,
body.dark-mode .products-section,
body.dark-mode .eligibility-section,
body.dark-mode .features-section,
body.dark-mode .partners-section,
body.dark-mode .faq-section,
body.dark-mode .testimonials-section { background: #0f1117 !important; }
body.dark-mode .tools-section,
body.dark-mode .sip-section,
body.dark-mode .apply-section,
body.dark-mode .cta-section,
body.dark-mode .about-section { background: #181c26 !important; }
body.dark-mode .fin-services-section { background: #0f1117; }
body.dark-mode .numbers-section { background: transparent; }
body.dark-mode .process-section { background: #0f1117; }
/* Text color resets for existing sections */
body.dark-mode .market-section h2,
body.dark-mode .market-section h3,
body.dark-mode .market-section p,
body.dark-mode .products-section h2,
body.dark-mode .products-section h3,
body.dark-mode .eligibility-section h2,
body.dark-mode .eligibility-section h3,
body.dark-mode .eligibility-section label,
body.dark-mode .features-section h2,
body.dark-mode .features-section h3,
body.dark-mode .features-section p,
body.dark-mode .partners-section h2,
body.dark-mode .partners-section h3,
body.dark-mode .faq-section h2,
body.dark-mode .faq-section h3,
body.dark-mode .testimonials-section h2,
body.dark-mode .apply-section h2,
body.dark-mode .apply-section h3,
body.dark-mode .about-section h2,
body.dark-mode .about-section p,
body.dark-mode .numbers-section h2,
body.dark-mode .numbers-section p,
body.dark-mode .process-section h2,
body.dark-mode .process-section h3,
body.dark-mode .process-section p { color: var(--text-primary); }
/* Partner card children — readable text in dark mode */
body.dark-mode .partner-name { color: var(--text-primary) !important; }
body.dark-mode .partner-tag  { color: var(--text-secondary) !important; }
body.dark-mode .partner-badge.private { background: rgba(83,103,255,0.2) !important; color: #8fa0ff !important; }
body.dark-mode .partner-badge.psu     { background: rgba(34,64,154,0.2) !important;  color: #7ea8ff !important; }
body.dark-mode .partner-badge.nbfc    { background: rgba(245,166,35,0.15) !important; color: #f5c35a !important; }
body.dark-mode .partner-badge.hfc     { background: rgba(0,208,156,0.15) !important;  color: #00d09c !important; }
body.dark-mode .faq-item,
body.dark-mode .product-card,
body.dark-mode .feature-card,
body.dark-mode .partner-logo,
body.dark-mode .partner-card,
body.dark-mode .apply-card,
body.dark-mode .eligibility-card,
body.dark-mode .market-card,
body.dark-mode .number-card { background: var(--bg-card) !important; border-color: var(--border-color) !important; color: var(--text-primary); }
body.dark-mode input,
body.dark-mode select,
body.dark-mode textarea { background: var(--bg-secondary) !important; color: var(--text-primary) !important; border-color: var(--border-color) !important; }
body.dark-mode input::placeholder { color: var(--text-muted) !important; }
body.dark-mode .card, body.dark-mode .tool-card, body.dark-mode .stat-card,
body.dark-mode .blog-card, body.dark-mode .outcome-card,
body.dark-mode .sanction-doc-card, body.dark-mode .fct-form-card,
body.dark-mode .vertical-card, body.dark-mode .why-card,
body.dark-mode .testimonial-card, body.dark-mode .insv-card {
    background: var(--bg-card);
    border-color: var(--border-color);
    color: var(--text-primary);
}
body.dark-mode .lenders-section { background: var(--bg-secondary); }
body.dark-mode .verticals-section { background: var(--bg-primary); }
body.dark-mode .why-choose-section { background: var(--bg-secondary); }
body.dark-mode .outcomes-section { background: var(--bg-primary); }
body.dark-mode .blog-section { background: var(--bg-secondary); }
body.dark-mode .sanction-section { background: var(--bg-primary); }
body.dark-mode .wealth-callout-section,
body.dark-mode .insurance-callout-section { background: var(--bg-secondary); }
body.dark-mode .wealth-chart-card { background: var(--bg-card); }
body.dark-mode .mega-col-title { color: var(--text-muted); }
body.dark-mode .mega-dropdown-link { color: var(--text-secondary); }
body.dark-mode .mega-dropdown-link:hover { color: #00d09c; background: rgba(0,208,156,0.07); }
body.dark-mode .mega-featured { background: rgba(0,208,156,0.07); border-color: rgba(0,208,156,0.2); }

/* Dark toggle button */
.dark-toggle {
    background: none;
    border: 1.5px solid var(--border-color, #e5e7eb);
    border-radius: 50%;
    width: 36px; height: 36px;
    display: flex; align-items: center; justify-content: center;
    cursor: pointer;
    color: var(--text-primary, #1a1a2e);
    transition: border-color 0.2s, background 0.2s;
    flex-shrink: 0;
}
.dark-toggle:hover { background: rgba(0,208,156,0.1); border-color: #00d09c; }
.icon-sun, .icon-moon { position: absolute; transition: opacity 0.25s, transform 0.25s; }
.icon-moon { opacity: 0; transform: rotate(60deg) scale(0.8); }
.dark-toggle { position: relative; }
body.dark-mode .icon-sun { opacity: 0; transform: rotate(-60deg) scale(0.8); }
body.dark-mode .icon-moon { opacity: 1; transform: rotate(0deg) scale(1); }
.icon-sun { opacity: 1; transform: rotate(0deg) scale(1); }

/* ================================================================
   MEGA DROPDOWN NAV
   ================================================================ */
.dropdown-mega {
    min-width: 680px;
    padding: 24px 24px 20px;
    display: none;
    flex-direction: row;
    gap: 8px;
    left: 50%; transform: translateX(-50%);
}
.nav-item.dropdown:hover .dropdown-mega,
.nav-item.dropdown:focus-within .dropdown-mega { display: flex; }
.mega-col { flex: 1; padding: 0 16px; border-right: 1px solid var(--border-color, #e5e7eb); }
.mega-col:last-of-type { border-right: none; }
.mega-col-title {
    font-size: 10px; font-weight: 700; letter-spacing: 1.2px;
    text-transform: uppercase; color: #888; margin-bottom: 12px;
}
.mega-dropdown-link {
    display: block; padding: 7px 8px; border-radius: 6px;
    color: #333; font-size: 13.5px; text-decoration: none;
    transition: background 0.15s, color 0.15s;
}
.mega-dropdown-link:hover { background: rgba(0,208,156,0.08); color: #00d09c; }
.mega-featured {
    width: 180px; flex-shrink: 0; background: rgba(0,208,156,0.06);
    border-radius: 10px; border: 1px solid rgba(0,208,156,0.15);
    padding: 16px; display: flex; flex-direction: column; justify-content: space-between;
}
.mega-featured-label {
    font-size: 10px; font-weight: 700; letter-spacing: 1.2px;
    text-transform: uppercase; color: #00d09c; margin-bottom: 10px;
}
.mega-featured-title { font-size: 13px; font-weight: 600; color: #1a1a2e; line-height: 1.4; margin-bottom: 8px; }
.mega-featured-link { font-size: 12px; color: #00d09c; text-decoration: none; font-weight: 600; }
.mega-featured-link:hover { text-decoration: underline; }

/* ================================================================
   LENDERS CAROUSEL
   ================================================================ */
.lenders-section {
    background: var(--bg-secondary, #f7f9fc);
    padding: 48px 0;
    overflow: hidden;
}
.lenders-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.lenders-heading {
    text-align: center; font-size: 15px; color: var(--text-secondary, #555577);
    margin-bottom: 28px;
}
.lenders-track-wrap {
    overflow: hidden; position: relative;
    mask-image: linear-gradient(to right, transparent 0%, #000 12%, #000 88%, transparent 100%);
    -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 12%, #000 88%, transparent 100%);
}
.lenders-track {
    display: flex; gap: 14px; width: max-content;
    animation: lenderScroll 32s linear infinite;
}
.lenders-track:hover { animation-play-state: paused; }
@keyframes lenderScroll {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}
.lender-badge {
    display: flex; align-items: center; justify-content: center;
    height: 52px; padding: 0 22px; border-radius: 10px;
    font-size: 13px; font-weight: 700; white-space: nowrap;
    border: 1.5px solid rgba(0,0,0,0.07); background: #fff;
    flex-shrink: 0; letter-spacing: 0.3px;
    transition: transform 0.2s, box-shadow 0.2s;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}
.lender-badge:hover { transform: translateY(-2px); box-shadow: 0 6px 18px rgba(0,0,0,0.10); }
body.dark-mode .lender-badge { background: var(--bg-card); border-color: var(--border-color); }
.lb-sbi   { color: #1a3a6b; }
.lb-hdfc  { color: #004c8f; }
.lb-icici { color: #b5391a; }
.lb-axis  { color: #8b0000; }
.lb-kotak { color: #cc0000; }
.lb-pnb   { color: #005c36; }
.lb-bob   { color: #f07b1d; }
.lb-canara{ color: #006eb5; }
.lb-union { color: #004b87; }
.lb-bajaj { color: #003087; }
.lb-lic   { color: #005f3d; }
.lb-tata  { color: #2c3e8c; }
.lb-pnbhfl{ color: #006a31; }
.lb-hfl   { color: #002a5c; }
.lb-iob   { color: #cc5500; }

/* ================================================================
   WHAT WE OFFER — VERTICALS
   ================================================================ */
.verticals-section {
    background: var(--bg-primary, #fff);
    padding: 80px 0;
}
.verticals-grid {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 24px;
    max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.vertical-card {
    border-radius: 18px; border: 1.5px solid var(--border-color, #e5e7eb);
    background: var(--bg-card, #fff);
    overflow: hidden;
    box-shadow: var(--shadow-card);
    display: flex; flex-direction: column;
    transition: transform 0.25s, box-shadow 0.25s;
}
.vertical-card:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(0,0,0,0.1); }
.vc-header {
    padding: 28px 28px 20px;
    border-bottom: 1px solid var(--border-color, #e5e7eb);
    display: flex; align-items: flex-start; gap: 16px;
}
.vc-icon {
    width: 48px; height: 48px; border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0; font-size: 22px;
}
.vc-icon.loans-icon  { background: rgba(0,208,156,0.12); color: #00d09c; }
.vc-icon.wealth-icon { background: rgba(83,103,255,0.12); color: #5367ff; }
.vc-icon.ins-icon    { background: rgba(235,91,60,0.12);  color: #eb5b3c; }
.vc-count { font-size: 12px; color: var(--text-muted, #888); margin-top: 2px; }
.vc-title { font-size: 18px; font-weight: 700; color: var(--text-primary, #1a1a2e); }
.vc-desc  { font-size: 13px; color: var(--text-secondary, #555577); margin-top: 3px; line-height: 1.45; }
.vc-stats-row {
    display: flex; gap: 0; padding: 18px 28px;
    border-bottom: 1px solid var(--border-color, #e5e7eb);
}
.vc-stat { flex: 1; }
.vc-stat-val { font-size: 20px; font-weight: 800; color: var(--text-primary, #1a1a2e); }
.vc-stat-label { font-size: 11px; color: var(--text-muted, #888); margin-top: 1px; }
.vc-product-list {
    padding: 16px 28px; display: flex; flex-wrap: wrap; gap: 8px; flex: 1;
    align-items: flex-start; align-content: flex-start;
}
.vc-product-pill {
    font-size: 12px; padding: 4px 12px; border-radius: 100px;
    background: var(--bg-secondary, #f7f9fc);
    border: 1px solid var(--border-color, #e5e7eb);
    color: var(--text-secondary, #555577);
    white-space: nowrap;
}
.vc-cta-row {
    display: flex; gap: 10px; padding: 16px 28px 24px;
    margin-top: auto;
}
.vc-cta-primary, .vc-cta-secondary {
    flex: 1; padding: 10px 0; border-radius: 8px; font-size: 13px;
    font-weight: 600; cursor: pointer; text-align: center;
    text-decoration: none; border: none; transition: background 0.2s, color 0.2s;
}
.vc-cta-primary   { background: #00d09c; color: #fff; }
.vc-cta-primary:hover { background: #00b386; }
.vc-cta-secondary { background: var(--bg-secondary, #f7f9fc); color: var(--text-primary, #1a1a2e); border: 1.5px solid var(--border-color, #e5e7eb); }
.vc-cta-secondary:hover { border-color: #00d09c; color: #00d09c; background: rgba(0,208,156,0.05); }
.vc-wealth .vc-cta-primary   { background: #5367ff; }
.vc-wealth .vc-cta-primary:hover { background: #3a50ee; }
.vc-insurance .vc-cta-primary { background: #eb5b3c; }
.vc-insurance .vc-cta-primary:hover { background: #d44a2b; }

/* ================================================================
   WEALTH CALLOUT
   ================================================================ */
.wealth-callout-section {
    background: var(--bg-secondary, #f7f9fc);
    padding: 80px 0;
}
.callout-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
    align-items: center; max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.callout-grid-reverse { direction: rtl; }
.callout-grid-reverse > * { direction: ltr; }
.callout-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: 1.4px;
    text-transform: uppercase; color: #5367ff; margin-bottom: 12px;
}
.callout-title { font-size: clamp(24px,3vw,36px); font-weight: 800; color: var(--text-primary,#1a1a2e); line-height: 1.2; margin-bottom: 14px; }
.callout-desc { font-size: 15px; color: var(--text-secondary,#555577); line-height: 1.65; margin-bottom: 22px; }
.callout-features { list-style: none; padding: 0; margin: 0 0 24px; display: flex; flex-direction: column; gap: 10px; }
.callout-features li { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--text-secondary,#555577); }
.callout-features li::before { content: ''; width: 18px; height: 18px; border-radius: 50%; background: rgba(83,103,255,0.12); display: flex; align-items: center; justify-content: center; flex-shrink: 0; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M8 12l3 3 5-6' stroke='%235367ff' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-size: 14px; background-repeat: no-repeat; background-position: center; }
.callout-stat-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(83,103,255,0.08); border: 1px solid rgba(83,103,255,0.2); border-radius: 100px; padding: 6px 14px; font-size: 13px; margin-bottom: 22px; }
.csb-sep { width: 1px; height: 14px; background: rgba(83,103,255,0.3); }
.callout-cta { display: inline-block; background: #5367ff; color: #fff; padding: 12px 28px; border-radius: 8px; text-decoration: none; font-weight: 600; font-size: 14px; transition: background 0.2s; }
.callout-cta:hover { background: #3a50ee; }
.wealth-chart-card {
    background: var(--bg-card,#fff); border-radius: 18px; padding: 28px;
    box-shadow: 0 8px 40px rgba(83,103,255,0.12);
    border: 1.5px solid rgba(83,103,255,0.1);
}
.wcc-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 24px; }
.wcc-title { font-size: 14px; font-weight: 600; color: var(--text-primary,#1a1a2e); }
.wcc-badge { background: rgba(0,208,156,0.1); color: #00b386; border-radius: 100px; padding: 3px 10px; font-size: 12px; font-weight: 600; }
.wealth-graph { width: 100%; height: 140px; margin-bottom: 20px; }
.wcc-bottom { display: flex; gap: 24px; }
.wcc-stat { flex: 1; }
.wcc-sl { font-size: 11px; color: var(--text-muted,#888); margin-bottom: 3px; }
.wcc-sv { font-size: 18px; font-weight: 800; color: var(--text-primary,#1a1a2e); }

/* ================================================================
   INSURANCE CALLOUT
   ================================================================ */
.insurance-callout-section {
    background: var(--bg-primary,#fff);
    padding: 80px 0;
}
.insurance-callout-section .callout-eyebrow { color: #eb5b3c; }
.insurance-callout-section .callout-features li::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M8 12l3 3 5-6' stroke='%23eb5b3c' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-color: rgba(235,91,60,0.1); }
.insurance-callout-section .callout-stat-badge { background: rgba(235,91,60,0.07); border-color: rgba(235,91,60,0.2); }
.insurance-callout-section .callout-cta { background: #eb5b3c; }
.insurance-callout-section .callout-cta:hover { background: #d44a2b; }
.insurance-cards-visual { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.insv-card {
    background: var(--bg-card,#fff); border-radius: 14px; padding: 20px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    box-shadow: 0 4px 20px rgba(0,0,0,0.06);
    transition: transform 0.2s, box-shadow 0.2s;
}
.insv-card:hover { transform: translateY(-4px); box-shadow: 0 12px 35px rgba(0,0,0,0.10); }
.insv-icon {
    width: 52px; height: 52px; border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0; margin-bottom: 14px;
}
.insv-title { font-size: 14px; font-weight: 700; color: var(--text-primary,#1a1a2e); margin-bottom: 4px; }
.insv-desc  { font-size: 12px; color: var(--text-secondary,#555577); line-height: 1.4; margin-bottom: 10px; }
.insv-link  { font-size: 12px; color: #eb5b3c; font-weight: 600; text-decoration: none; }
.insv-link:hover { text-decoration: underline; }

/* ================================================================
   WHY CHOOSE US
   ================================================================ */
.why-choose-section {
    background: var(--bg-secondary,#f7f9fc);
    padding: 80px 0;
}
.why-grid {
    display: grid; grid-template-columns: repeat(4,1fr); gap: 20px;
    max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.why-card {
    background: var(--bg-card,#fff); border-radius: 16px; padding: 28px 22px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    box-shadow: var(--shadow-card);
    text-align: center;
    transition: transform 0.25s, box-shadow 0.25s;
}
.why-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(0,0,0,0.1); }
.why-icon-wrap {
    width: 60px; height: 60px; border-radius: 16px;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 18px; font-size: 26px;
}
.why-title { font-size: 22px; font-weight: 800; color: var(--text-primary,#1a1a2e); margin-bottom: 6px; }
.why-subtitle { font-size: 13px; font-weight: 600; color: var(--text-primary,#1a1a2e); margin-bottom: 8px; }
.why-desc  { font-size: 13px; color: var(--text-secondary,#555577); line-height: 1.5; margin-bottom: 10px; }
.why-tagline { font-size: 11px; font-weight: 700; letter-spacing: 0.8px; text-transform: uppercase; }

/* ================================================================
   CLIENT OUTCOMES
   ================================================================ */
.outcomes-section { background: var(--bg-primary,#fff); padding: 80px 0; }
.outcomes-grid {
    display: grid; grid-template-columns: repeat(3,1fr); gap: 22px;
    max-width: 1200px; margin: 0 auto 32px; padding: 0 24px;
}
.outcome-card {
    background: var(--bg-card,#fff); border-radius: 16px; padding: 28px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    box-shadow: var(--shadow-card);
    display: flex; flex-direction: column;
    transition: transform 0.25s, box-shadow 0.25s;
}
.outcome-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(0,0,0,0.1); }
.outcome-featured { border-color: #00d09c; box-shadow: 0 4px 24px rgba(0,208,156,0.15); }
.oc-type { font-size: 10px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: #00d09c; margin-bottom: 14px; }
.oc-metric { display: flex; align-items: baseline; gap: 6px; margin-bottom: 6px; }
.oc-val { font-size: 36px; font-weight: 900; color: var(--text-primary,#1a1a2e); line-height: 1; }
.oc-label { font-size: 13px; color: var(--text-secondary,#555577); }
.oc-details { margin: 16px 0; display: flex; flex-direction: column; gap: 9px; flex: 1; }
.oc-detail-row { display: flex; justify-content: space-between; align-items: center; font-size: 13px; padding: 8px 10px; border-radius: 8px; background: var(--bg-secondary,#f7f9fc); }
.oc-highlight { font-weight: 700; color: #00d09c; }
.oc-footer { display: flex; align-items: center; gap: 10px; margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--border-color,#e5e7eb); }
.oc-avatar { width: 36px; height: 36px; border-radius: 50%; background: linear-gradient(135deg,#00d09c,#5367ff); display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: 14px; flex-shrink: 0; }
.oc-client { font-size: 13px; font-weight: 600; color: var(--text-primary,#1a1a2e); }
.oc-city { font-size: 12px; color: var(--text-muted,#888); }
.outcomes-disclaimer { text-align: center; font-size: 11px; color: var(--text-muted,#888); padding: 0 24px; margin-bottom: 48px; }
.outcomes-stats {
    display: grid; grid-template-columns: repeat(4,1fr);
    max-width: 900px; margin: 0 auto; padding: 0 24px; gap: 0;
    border: 1.5px solid var(--border-color,#e5e7eb);
    border-radius: 16px; overflow: hidden;
}
.os-stat {
    text-align: center; padding: 28px 16px;
    border-right: 1px solid var(--border-color,#e5e7eb);
}
.os-stat:last-child { border-right: none; }
.os-val { font-size: 28px; font-weight: 900; color: var(--text-primary,#1a1a2e); margin-bottom: 4px; }
.os-label { font-size: 12px; color: var(--text-secondary,#555577); }

/* ================================================================
   ADVISORY CTA
   ================================================================ */
.advisory-cta-section { background: var(--bg-secondary,#f7f9fc); padding: 60px 0; }
.advisory-cta-card {
    max-width: 860px; margin: 0 auto;
    background: linear-gradient(135deg,#00d09c 0%,#00b386 100%);
    border-radius: 24px; padding: 48px 52px;
    display: flex; align-items: center; gap: 32px;
}
.aca-content { flex: 1; }
.aca-title { font-size: clamp(20px,2.5vw,28px); font-weight: 800; color: #fff; margin-bottom: 8px; line-height: 1.2; }
.aca-subtitle { font-size: 15px; color: rgba(255,255,255,0.85); }
.aca-actions { display: flex; gap: 12px; flex-shrink: 0; flex-wrap: wrap; align-items: center; }
.aca-btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 12px 24px; border-radius: 10px; font-weight: 700;
    font-size: 14px; text-decoration: none; cursor: pointer; border: none;
    transition: transform 0.15s, box-shadow 0.15s;
}
.aca-btn:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.15); }
.aca-btn-white { background: #fff; color: #00b386; }
.aca-btn-outline { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,0.6); }
.aca-btn-outline:hover { background: rgba(255,255,255,0.1); }

/* ================================================================
   TESTIMONIALS CAROUSEL
   ================================================================ */
.testimonials-carousel-wrap {
    overflow: hidden; position: relative;
    mask-image: linear-gradient(to right, transparent 0%, #000 10%, #000 90%, transparent 100%);
    -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 10%, #000 90%, transparent 100%);
    margin-top: 40px;
}
.testimonials-carousel {
    display: flex; gap: 20px; width: max-content;
    animation: testimonialScroll 40s linear infinite;
}
.testimonials-carousel:hover { animation-play-state: paused; }
@keyframes testimonialScroll {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}
.testimonial-card {
    width: 300px; flex-shrink: 0;
    background: var(--bg-card,#fff); border-radius: 16px; padding: 24px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    box-shadow: var(--shadow-card);
}
.tc-stars { color: #f5a623; font-size: 14px; margin-bottom: 12px; letter-spacing: 2px; }
.tc-text  { font-size: 13.5px; color: var(--text-secondary,#555577); line-height: 1.6; margin-bottom: 16px; font-style: italic; }
.tc-author { display: flex; align-items: center; gap: 10px; }
.tc-avatar { width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 14px; color: #fff; flex-shrink: 0; }
.tc-name { font-size: 13px; font-weight: 700; color: var(--text-primary,#1a1a2e); }
.tc-role { font-size: 12px; color: var(--text-muted,#888); }

/* ================================================================
   SANCTION LETTER SECTION
   ================================================================ */
.sanction-section { background: var(--bg-primary,#fff); padding: 80px 0; }
.sanction-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
    align-items: center; max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.sanction-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: 1.4px;
    text-transform: uppercase; color: #00d09c; margin-bottom: 12px;
}
.sanction-title { font-size: clamp(22px,3vw,34px); font-weight: 800; color: var(--text-primary,#1a1a2e); line-height: 1.25; margin-bottom: 14px; }
.sanction-desc { font-size: 15px; color: var(--text-secondary,#555577); line-height: 1.65; margin-bottom: 28px; }
.sanction-metrics { display: flex; gap: 28px; margin-bottom: 28px; }
.sm-item {}
.sm-val { font-size: 26px; font-weight: 800; color: var(--text-primary,#1a1a2e); }
.sm-label { font-size: 12px; color: var(--text-muted,#888); margin-top: 2px; }
.sanction-issues { margin-bottom: 28px; }
.si-title { font-size: 13px; font-weight: 600; color: var(--text-primary,#1a1a2e); margin-bottom: 12px; }
.si-list { display: flex; flex-direction: column; gap: 9px; }
.si-item { display: flex; align-items: center; gap: 9px; font-size: 13px; color: var(--text-secondary,#555577); padding: 8px 12px; border-radius: 8px; }
.si-warn   { background: rgba(245,166,35,0.06); }
.si-danger { background: rgba(235,91,60,0.06); }
.sanction-doc-card {
    background: var(--bg-card,#fff); border-radius: 18px; padding: 28px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    box-shadow: 0 8px 40px rgba(0,0,0,0.08);
}
.sdc-header { display: flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 700; color: var(--text-primary,#1a1a2e); margin-bottom: 22px; padding-bottom: 16px; border-bottom: 1px solid var(--border-color,#e5e7eb); }
.sdc-items { display: flex; flex-direction: column; gap: 12px; margin-bottom: 22px; }
.sdc-item { display: flex; align-items: center; gap: 10px; font-size: 13px; color: var(--text-secondary,#555577); }
.sdc-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.sdc-dot-ok     { background: #00d09c; }
.sdc-dot-warn   { background: #f5a623; }
.sdc-dot-danger { background: #eb5b3c; }
.sdc-saving { display: flex; justify-content: space-between; align-items: center; padding: 14px 16px; background: rgba(0,208,156,0.07); border-radius: 10px; font-size: 13px; color: var(--text-secondary,#555577); }
.sdc-saving strong.positive { font-size: 20px; font-weight: 800; color: #00d09c; }

/* ================================================================
   BLOG SECTION
   ================================================================ */
.blog-section { background: var(--bg-secondary,#f7f9fc); padding: 80px 0; }
.blog-grid {
    display: grid; grid-template-columns: repeat(3,1fr); gap: 24px;
    max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.blog-card {
    background: var(--bg-card,#fff); border-radius: 16px; padding: 28px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    box-shadow: var(--shadow-card);
    display: flex; flex-direction: column;
    transition: transform 0.25s, box-shadow 0.25s;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(0,0,0,0.1); }
.blog-cat { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.8px; text-transform: uppercase; padding: 4px 10px; border-radius: 100px; margin-bottom: 14px; }
.blog-title { font-size: 16px; font-weight: 700; color: var(--text-primary,#1a1a2e); line-height: 1.4; margin-bottom: 10px; flex: 1; }
.blog-excerpt { font-size: 13px; color: var(--text-secondary,#555577); line-height: 1.55; margin-bottom: 16px; }
.blog-meta { display: flex; gap: 16px; font-size: 12px; color: var(--text-muted,#888); margin-bottom: 16px; }
.blog-link { font-size: 13px; font-weight: 600; color: #00d09c; text-decoration: none; margin-top: auto; }
.blog-link:hover { text-decoration: underline; }
.btn-outline {
    display: inline-block; padding: 12px 32px; border-radius: 8px;
    border: 2px solid #00d09c; color: #00d09c; font-weight: 700;
    font-size: 14px; text-decoration: none;
    transition: background 0.2s, color 0.2s;
}
.btn-outline:hover { background: #00d09c; color: #fff; }

/* ================================================================
   FINAL MULTI-STEP CTA
   ================================================================ */
.final-cta-section {
    background: linear-gradient(135deg,#1a1a2e 0%,#16213e 50%,#0f3460 100%);
    padding: 90px 0;
}
.final-cta-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
    align-items: center; max-width: 1100px; margin: 0 auto; padding: 0 24px;
}
.fct-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: 1.4px;
    text-transform: uppercase; color: #00d09c; margin-bottom: 12px;
}
.fct-title { font-size: clamp(24px,3vw,38px); font-weight: 900; color: #fff; line-height: 1.2; margin-bottom: 14px; }
.fct-desc { font-size: 15px; color: rgba(255,255,255,0.7); line-height: 1.65; margin-bottom: 28px; }
.fct-trust-items { display: flex; flex-direction: column; gap: 12px; }
.fct-trust-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: rgba(255,255,255,0.8); }
.fct-form-card {
    background: var(--bg-card,#fff); border-radius: 20px; padding: 36px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.fct-step-title { font-size: 16px; font-weight: 700; color: var(--text-primary,#1a1a2e); margin-bottom: 22px; }
.fct-service-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.fct-service-btn {
    display: flex; flex-direction: column; align-items: center; gap: 10px;
    padding: 18px 12px; border-radius: 12px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    background: var(--bg-secondary,#f7f9fc);
    color: var(--text-secondary,#555577); font-size: 12.5px; font-weight: 600;
    cursor: pointer; transition: all 0.2s;
}
.fct-service-btn:hover, .fct-service-btn.active { border-color: #00d09c; background: rgba(0,208,156,0.08); color: #00d09c; }
.fct-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 20px; }
.fct-field { display: flex; flex-direction: column; gap: 6px; }
.fct-field-full { grid-column: 1 / -1; }
.fct-field label { font-size: 12px; font-weight: 600; color: var(--text-secondary,#555577); }
.fct-field input, .fct-field textarea {
    padding: 10px 14px; border-radius: 8px;
    border: 1.5px solid var(--border-color,#e5e7eb);
    background: var(--bg-secondary,#f7f9fc);
    color: var(--text-primary,#1a1a2e);
    font-size: 13.5px; outline: none; resize: vertical;
    transition: border-color 0.2s;
}
.fct-field input:focus, .fct-field textarea:focus { border-color: #00d09c; background: #fff; }
.fct-nav-row { display: flex; justify-content: space-between; align-items: center; }
.fct-back-btn {
    background: none; border: none; font-size: 13px; color: var(--text-muted,#888);
    cursor: pointer; padding: 0;
}
.fct-back-btn:hover { color: var(--text-primary,#1a1a2e); }
.fct-submit-btn {
    background: #00d09c; color: #fff; border: none; padding: 12px 28px;
    border-radius: 8px; font-size: 14px; font-weight: 700; cursor: pointer;
    transition: background 0.2s;
}
.fct-submit-btn:hover { background: #00b386; }
.fct-success-panel { text-align: center; padding: 20px 0; }
.fct-success-icon { margin-bottom: 16px; }
.fct-success-panel h4 { font-size: 18px; font-weight: 700; color: var(--text-primary,#1a1a2e); margin-bottom: 10px; }
.fct-success-panel p { font-size: 14px; color: var(--text-secondary,#555577); line-height: 1.5; margin-bottom: 20px; }
.fct-wa-btn {
    display: inline-flex; align-items: center; gap: 8px;
    background: #25d366; color: #fff; padding: 12px 24px; border-radius: 8px;
    text-decoration: none; font-weight: 700; font-size: 14px;
}
.fct-progress-dots { display: flex; justify-content: center; gap: 8px; margin-top: 24px; }
.fct-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--border-color,#e5e7eb); transition: background 0.3s; }
.fct-dot-active { background: #00d09c; }
.fct-privacy { text-align: center; font-size: 11px; color: var(--text-muted,#888); margin-top: 10px; margin-bottom: 0; }

/* ================================================================
   SECTION HEADER SHARED (eyebrow + title + subtitle)
   ================================================================ */
.section-header { text-align: center; max-width: 620px; margin: 0 auto 48px; padding: 0 24px; }
.section-eyebrow {
    font-size: 11px; font-weight: 700; letter-spacing: 1.4px;
    text-transform: uppercase; color: #00d09c; margin-bottom: 10px;
}
.section-title { font-size: clamp(22px,3vw,34px); font-weight: 800; color: var(--text-primary,#1a1a2e); margin-bottom: 10px; }
.section-subtitle { font-size: 15px; color: var(--text-secondary,#555577); line-height: 1.55; }

/* ================================================================
   RESPONSIVE — NEW SECTIONS
   ================================================================ */
@media (max-width: 1024px) {
    .verticals-grid { grid-template-columns: 1fr; max-width: 600px; }
    .why-grid { grid-template-columns: repeat(2,1fr); }
    .outcomes-grid { grid-template-columns: 1fr 1fr; }
    .outcomes-stats { grid-template-columns: repeat(2,1fr); }
    .os-stat:nth-child(2) { border-right: none; }
    .final-cta-grid { grid-template-columns: 1fr; gap: 40px; }
    .callout-grid, .callout-grid-reverse { grid-template-columns: 1fr; gap: 36px; }
    .callout-grid-reverse { direction: ltr; }
    .sanction-grid { grid-template-columns: 1fr; gap: 40px; }
    .advisory-cta-card { flex-direction: column; text-align: center; padding: 40px 28px; }
}
@media (max-width: 768px) {
    .blog-grid { grid-template-columns: 1fr; }
    .insurance-cards-visual { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr 1fr; }
    .dropdown-mega { min-width: 320px; flex-wrap: wrap; }
    .mega-col { border-right: none; border-bottom: 1px solid var(--border-color,#e5e7eb); padding-bottom: 12px; }
    .mega-featured { width: 100%; }
    .fct-fields { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
    .outcomes-grid { grid-template-columns: 1fr; }
    .outcomes-stats { grid-template-columns: repeat(2,1fr); }
    .why-grid { grid-template-columns: 1fr; }
    .sanction-metrics { gap: 16px; }
    .aca-actions { flex-direction: column; width: 100%; }
    .aca-btn { justify-content: center; }
    .fct-service-grid { grid-template-columns: 1fr 1fr; }
}

/* ================================================================
   SERVICES MEGA PANEL (SMP) — FinVastra-style tab dropdown
   ================================================================ */
.nav-plain {
    font-size: 14px; font-weight: 500;
    color: var(--text-secondary, #555577);
    text-decoration: none; padding: 8px 12px; border-radius: 6px;
    transition: color 0.15s, background 0.15s;
    white-space: nowrap;
}
.nav-plain:hover { color: #00d09c; background: rgba(0,208,156,0.07); }
body.dark-mode .nav-plain { color: var(--text-secondary); }

/* Services dropdown panel */
#servicesDropdown { position: static; }
.smp-panel {
    display: none;
    position: fixed;
    top: var(--nav-height, 64px);
    left: 0; right: 0;
    background: var(--bg-card, #fff);
    border-top: 1px solid var(--border-color, #e5e7eb);
    box-shadow: 0 12px 40px rgba(0,0,0,0.12);
    z-index: 999;
    max-height: calc(100vh - var(--nav-height, 64px));
    overflow-y: auto;
}
.smp-panel.open { display: block; }

/* Tabs row */
.smp-tabs {
    display: flex; gap: 0;
    border-bottom: 1px solid var(--border-color, #e5e7eb);
    padding: 0 40px;
    background: var(--bg-secondary, #f7f9fc);
}
.smp-tab {
    background: none; border: none; cursor: pointer;
    font-size: 12px; font-weight: 700; letter-spacing: 1.2px;
    color: var(--text-muted, #888);
    padding: 14px 20px; position: relative;
    transition: color 0.15s;
}
.smp-tab::after {
    content: ''; position: absolute; bottom: 0; left: 0; right: 0;
    height: 2.5px; background: #00d09c;
    transform: scaleX(0); transition: transform 0.2s;
}
.smp-tab:hover { color: var(--text-primary, #1a1a2e); }
.smp-tab.active { color: #00d09c; }
.smp-tab.active::after { transform: scaleX(1); }

/* Content panels */
.smp-content {
    display: none;
    grid-template-columns: 1fr 1fr 1fr 220px;
    gap: 0; padding: 28px 40px 20px;
}
.smp-content.active { display: grid; }

/* Columns */
.smp-col { padding: 0 24px 0 0; }
.smp-col:first-child { padding-left: 0; }
.smp-col-title {
    font-size: 10px; font-weight: 700; letter-spacing: 1.2px;
    text-transform: uppercase; color: var(--text-muted, #888);
    margin-bottom: 14px; padding-bottom: 8px;
    border-bottom: 1px solid var(--border-color, #e5e7eb);
}

/* Links */
.smp-link {
    display: flex; align-items: center; gap: 8px;
    padding: 7px 8px; border-radius: 6px;
    font-size: 13.5px; color: var(--text-secondary, #555577);
    text-decoration: none; transition: background 0.15s, color 0.15s;
    margin-bottom: 2px;
}
.smp-link:hover { background: rgba(0,208,156,0.08); color: #00d09c; }
.smp-link-icon svg { flex-shrink: 0; opacity: 0.6; }
.smp-link:hover .smp-link-icon svg,
.smp-link:hover svg { opacity: 1; }

/* Advisory how-it-works steps */
.smp-steps { display: flex; flex-direction: column; gap: 12px; }
.smp-step {
    display: flex; align-items: center; gap: 10px;
    font-size: 13px; color: var(--text-secondary, #555577);
}
.smp-step-n {
    width: 22px; height: 22px; border-radius: 50%;
    background: rgba(0,208,156,0.12); color: #00d09c;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 800; flex-shrink: 0;
}

/* Advisory why stats */
.smp-why-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.smp-why-item { display: flex; flex-direction: column; gap: 2px; }
.smp-why-val { font-size: 20px; font-weight: 800; color: var(--text-primary, #1a1a2e); }
.smp-why-label { font-size: 11px; color: var(--text-muted, #888); }

/* Featured card */
.smp-featured {
    background: var(--bg-secondary, #f7f9fc);
    border-radius: 12px; border: 1.5px solid var(--border-color, #e5e7eb);
    padding: 20px; display: flex; flex-direction: column;
    justify-content: flex-start; gap: 8px;
    margin-left: 8px;
}
.smp-featured-label {
    font-size: 10px; font-weight: 700; letter-spacing: 1.2px;
    text-transform: uppercase; color: #00d09c;
}
.smp-featured-title {
    font-size: 14px; font-weight: 700; color: var(--text-primary, #1a1a2e);
    line-height: 1.4;
}
.smp-featured-desc {
    font-size: 12px; color: var(--text-muted, #888); line-height: 1.45;
    margin: 0;
}
.smp-featured-link {
    font-size: 13px; font-weight: 700; color: #00d09c;
    text-decoration: none; margin-top: auto;
}
.smp-featured-link:hover { text-decoration: underline; }
.smp-featured-btn {
    display: inline-block; margin-top: auto;
    background: #00d09c; color: #fff; border-radius: 8px;
    padding: 10px 16px; font-size: 13px; font-weight: 700;
    text-decoration: none; text-align: center;
    transition: background 0.2s;
}
.smp-featured-btn:hover { background: #00b386; }
.smp-featured-cta { background: rgba(0,208,156,0.07); border-color: rgba(0,208,156,0.2); }

/* Footer bar */
.smp-footer-bar {
    display: flex; justify-content: space-between; align-items: center;
    padding: 12px 40px; border-top: 1px solid var(--border-color, #e5e7eb);
    background: var(--bg-secondary, #f7f9fc);
    font-size: 13px; color: var(--text-secondary, #555577);
}
.smp-footer-bar a { color: #00d09c; text-decoration: none; font-weight: 600; }
.smp-footer-bar a:hover { text-decoration: underline; }
.smp-footer-cta {
    font-weight: 700 !important; color: var(--text-primary, #1a1a2e) !important;
}
.smp-footer-cta:hover { color: #00d09c !important; }

/* Overlay when SMP is open */
.smp-overlay {
    display: none; position: fixed; inset: 0;
    top: var(--nav-height, 64px); background: rgba(0,0,0,0.3);
    z-index: 998;
}
.smp-overlay.open { display: block; }

/* Dark mode SMP */
body.dark-mode .smp-panel { background: var(--bg-card); border-color: var(--border-color); }
body.dark-mode .smp-tabs { background: var(--bg-secondary); }
body.dark-mode .smp-footer-bar { background: var(--bg-secondary); }
body.dark-mode .smp-featured { background: rgba(0,208,156,0.05); border-color: rgba(0,208,156,0.15); }

/* Mobile menu groups */
.mm-group-title {
    font-size: 10px; font-weight: 700; letter-spacing: 1.2px;
    text-transform: uppercase; color: #888; padding: 12px 0 4px;
    border-top: 1px solid var(--border-color, #e5e7eb); margin-top: 4px;
}

/* Responsive SMP */
@media (max-width: 960px) {
    .smp-content { grid-template-columns: 1fr 1fr; gap: 16px; }
    .smp-featured { grid-column: 1 / -1; margin-left: 0; flex-direction: row; gap: 20px; align-items: center; }
    .smp-footer-bar { padding: 12px 20px; }
    .smp-tabs { padding: 0 20px; }
    .smp-content { padding: 20px 20px 16px; }
}
@media (max-width: 640px) {
    .smp-content { grid-template-columns: 1fr; }
    .smp-panel { top: 60px; }
}

/* ================================================================
   COMPREHENSIVE RESPONSIVE & ALIGNMENT FIXES
   ================================================================ */

/* --- Vertical Cards: desc padding + stats separator fix --- */
.vc-desc {
    padding: 16px 24px !important;
    margin-top: 0 !important;
}
.vc-stats-row {
    display: flex !important;
    gap: 0 !important;
    padding: 14px 24px !important;
    border-bottom: 1px solid var(--border-color, #e5e7eb);
    align-items: stretch;
}
.vc-stats-row span {
    flex: 1;
    font-size: 12px;
    font-weight: 600;
    color: inherit;
    padding: 4px 10px;
    text-align: center;
    border-right: 1px solid var(--border-color, #d1d5db);
    line-height: 1.4;
    display: flex;
    align-items: center;
    justify-content: center;
    min-width: 0;
}
.vc-stats-row span:first-child { padding-left: 0; text-align: left; justify-content: flex-start; }
.vc-stats-row span:last-child  { border-right: none; padding-right: 0; text-align: right; justify-content: flex-end; }

/* Verticals grid — full width on tablet, no artificial max-width cap */
@media (max-width: 1024px) {
    .verticals-grid { max-width: 100% !important; }
    .vc-stats-row span { font-size: 11px; }
}

/* ================================================================
   HOMEPAGE — MOBILE (≤ 768px)
   ================================================================ */
@media (max-width: 768px) {
    /* Section headers */
    .section-header { text-align: center; padding: 0 20px; }
    .section-title  { font-size: clamp(20px,5vw,28px) !important; }
    .section-subtitle { font-size: 14px !important; max-width: 100%; }
    .section-eyebrow { font-size: 10px; }

    /* Verticals section */
    .verticals-section { padding: 48px 0; }
    .verticals-section .section-header { margin-bottom: 28px; }
    .verticals-grid { padding: 0 16px; gap: 16px; }
    .vc-header { padding: 20px 20px 16px; }
    .vc-desc { padding: 12px 20px !important; font-size: 13px; }
    .vc-stats-row { padding: 12px 20px !important; }
    .vc-product-list { padding: 12px 20px; gap: 6px; }
    .vc-cta-row { padding: 12px 20px 20px; }
    .vc-product-pill { font-size: 11px; padding: 3px 10px; }

    /* Market section */
    .market-section { padding: 48px 0; }
    .market-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

    /* Why choose / features cards */
    .why-grid { grid-template-columns: 1fr !important; gap: 12px; }
    .why-card { padding: 20px; }

    /* Lenders / partners */
    .lenders-grid { gap: 12px; padding: 0 16px; }

    /* Callout sections */
    .callout-content { padding: 0 4px; }
    .callout-title   { font-size: clamp(20px,5vw,28px) !important; }

    /* Blog cards */
    .blog-grid { grid-template-columns: 1fr; gap: 16px; padding: 0 16px; }
    .blog-card  { padding: 20px; }

    /* Numbers / stats */
    .numbers-grid { grid-template-columns: repeat(2,1fr); gap: 16px; padding: 0 16px; }
    .number-card  { padding: 20px 16px; }
    .number-val   { font-size: 28px; }

    /* Process steps */
    .process-steps { grid-template-columns: repeat(2,1fr); gap: 16px; padding: 0 16px; }

    /* FAQ */
    .faq-list { padding: 0 16px; }
    .faq-item { padding: 16px; }

    /* Outcomes */
    .outcomes-grid  { grid-template-columns: 1fr; }
    .outcome-card   { padding: 20px; }

    /* Sanction section */
    .sanction-grid  { padding: 0 16px; }

    /* Final CTA */
    .final-cta-content { padding: 32px 20px; }
    .final-cta-title   { font-size: clamp(20px,5vw,28px) !important; }

    /* Footer */
    .footer-top { gap: 32px; padding-bottom: 32px; }
    .footer-links-grid { grid-template-columns: repeat(2,1fr); gap: 20px; }
    .footer-brand { text-align: center; }
    .footer-desc  { max-width: 100%; margin: 0 auto 20px; }
    .social-links { justify-content: center; }
}

/* ================================================================
   HOMEPAGE — SMALL MOBILE (≤ 480px)
   ================================================================ */
@media (max-width: 480px) {
    /* Container padding */
    .container { padding: 0 16px !important; }

    /* Hero */
    .hero { padding-top: calc(var(--nav-height) + 24px) !important; }
    .hero-title { font-size: 30px !important; }
    .hero-cta a, .hero-cta button { width: 100%; text-align: center; }

    /* Numbers 2-col → single nice row */
    .numbers-grid { grid-template-columns: 1fr 1fr; gap: 12px; }

    /* Process steps */
    .process-steps { grid-template-columns: 1fr; }

    /* Footer: 2 col → 1 col at very small */
    .footer-links-grid { grid-template-columns: 1fr 1fr; gap: 16px; }

    /* Vertical card stats wrap gracefully */
    .vc-stats-row { flex-wrap: wrap; gap: 4px 0; }
    .vc-stats-row span {
        flex: 0 0 33.33%;
        border-right: none;
        border-bottom: 1px solid var(--border-color, #e5e7eb);
        padding: 4px 0;
        font-size: 10px;
    }
    .vc-stats-row span:last-child { border-bottom: none; }

    /* Ticker */
    .ticker-section { display: none; }
}

/* ================================================================
   TABLET (768px – 1024px) — Fill gaps
   ================================================================ */
@media (min-width: 769px) and (max-width: 1024px) {
    .container { padding: 0 24px; }
    .section-title { font-size: clamp(22px,3vw,30px) !important; }

    /* Process steps: 4-col → 2-col */
    .process-steps { grid-template-columns: repeat(2,1fr); gap: 20px; }

    /* Blog: 3 → 2 col */
    .blog-grid { grid-template-columns: repeat(2,1fr); }

    /* Numbers: 4 → 2 col */
    .numbers-grid { grid-template-columns: repeat(2,1fr); }

    /* Footer links: 4 → 2 col */
    .footer-links-grid { grid-template-columns: repeat(2,1fr); gap: 24px; }
}

/* ================================================================
   PRODUCT PAGES — RESPONSIVE IMPROVEMENTS
   ================================================================ */

/* Hero: tighter padding on mobile */
@media (max-width: 768px) {
    .product-hero { padding: calc(var(--nav-height) + 24px) 0 32px !important; }
    .product-hero-inner { padding: 0 16px; gap: 24px; }
    .product-hero-title { font-size: clamp(22px,5.5vw,32px) !important; }
    .product-hero-subtitle { font-size: 14px; margin-bottom: 20px; }
    .product-hero-stats { gap: 16px; }
    .phs-val   { font-size: 20px; }
    .phs-label { font-size: 10px; }
    .product-hero-cta { gap: 10px; }
    .product-hero-cta a { flex: 1; text-align: center; padding: 11px 16px !important; font-size: 13px !important; }

    /* Section headings */
    .features-section-pg  { padding: 48px 0; }
    .eligibility-section-pg { padding: 48px 0; }
    .steps-section-pg     { padding: 48px 0; }
    .faq-section-pg       { padding: 48px 0; }
    .product-cta-section  { padding: 48px 0; }
    .related-section-pg   { padding: 40px 0; }

    /* Section eyebrow/title center on product pages */
    .features-section-pg  > div > div,
    .steps-section-pg     > div > div,
    .faq-section-pg       > div { text-align: center; }

    /* Features grid: 2 → 1 col on small */
    .features-grid-pg { grid-template-columns: 1fr 1fr; gap: 12px; padding: 0 16px; }
    .feature-card-pg  { padding: 18px; }
    .fc-title-pg      { font-size: 13px; }
    .fc-desc-pg       { font-size: 12px; }

    /* Eligibility */
    .eligibility-inner-pg { padding: 0 16px; gap: 24px; }
    .elig-list li { font-size: 13px; padding: 10px 12px; }

    /* Steps */
    .steps-grid-pg { padding: 0 16px; gap: 16px; }
    .step-card-pg  { padding: 20px 12px; }
    .step-title-pg { font-size: 13px; }
    .step-desc-pg  { font-size: 11px; }

    /* FAQ */
    .faq-list-pg  { padding: 0 16px; }
    .faq-q-pg     { font-size: 13px; padding: 14px 16px; }
    .faq-a-pg     { font-size: 12.5px; padding: 0 16px; }
    .faq-a-pg.open { padding: 0 16px 14px; }

    /* CTA */
    .product-cta-inner   { padding: 0 16px; }
    .product-cta-title   { font-size: clamp(18px,5vw,26px) !important; }
    .product-cta-btns    { flex-direction: column; align-items: center; }
    .btn-cta-white, .btn-cta-outline { width: 100%; max-width: 300px; text-align: center; }

    /* Related */
    .related-grid-pg { grid-template-columns: repeat(2,1fr); gap: 12px; padding: 0 16px; }
    .related-card-pg { padding: 16px; }
    .related-card-name { font-size: 12px; }
    .related-card-desc { font-size: 11px; }
}

@media (max-width: 480px) {
    .features-grid-pg { grid-template-columns: 1fr; }
    .steps-grid-pg    { grid-template-columns: 1fr 1fr; }
    .related-grid-pg  { grid-template-columns: 1fr 1fr; }
    .product-hero-cta { flex-direction: column; }
    .product-hero-cta a { width: 100%; }
}

/* ================================================================
   BLOG / ABOUT / CONTACT — RESPONSIVE
   ================================================================ */

/* Dark mode: about hero has hardcoded light gradient start color */
body.dark-mode .utility-hero { background: linear-gradient(180deg,#0f1117 0%,#181c26 100%) !important; }

@media (max-width: 768px) {
    /* Utility page hero sections */
    .utility-hero { padding: calc(var(--nav-height,64px) + 24px) 0 36px !important; }

    /* About page — hero two-col grid → single col */
    .about-hero-grid { grid-template-columns: 1fr !important; gap: 28px !important; padding: 0 16px !important; }

    /* About page — team 4-col → 2-col */
    .team-grid { grid-template-columns: repeat(2,1fr) !important; }

    /* Contact form */
    .contact-grid { grid-template-columns: 1fr !important; gap: 24px !important; }

    /* Blog grid — 3-col → 2-col (already handled by blog-grid class but covering inline too) */
    [style*="grid-template-columns:repeat(3,1fr)"] { grid-template-columns: repeat(2,1fr) !important; }

    /* Generic inline 4-col grids on these pages */
    [style*="grid-template-columns:repeat(4,1fr)"] { grid-template-columns: repeat(2,1fr) !important; }
}

@media (max-width: 480px) {
    .team-grid { grid-template-columns: 1fr 1fr !important; }
    [style*="grid-template-columns:repeat(3,1fr)"] { grid-template-columns: 1fr 1fr !important; }
}

/* ================================================================
   NAV — HIDE PHONE NUMBER ON SMALL SCREENS
   ================================================================ */
@media (max-width: 900px) {
    .nav-phone { display: none; }
}
@media (max-width: 768px) {
    .nav-actions { display: none; }
    .mobile-toggle { display: flex !important; }
}

/* ================================================================
   DARK MODE OVERRIDES FOR NEW ELEMENTS
   ================================================================ */
body.dark-mode .vc-stats-row span { border-color: var(--border-color); }
body.dark-mode .vc-product-pill   { background: var(--bg-secondary); border-color: var(--border-color); color: var(--text-secondary); }

/* ================================================================
   DARK MODE — ALL WHITE-BACKGROUND CARDS & COMPONENTS
   The old CSS uses --white (#fff) which is never overridden.
   These overrides fix every card/panel that uses background: var(--white).
   ================================================================ */
body.dark-mode .fsc-card,
body.dark-mode .feature-card,
body.dark-mode .product-card,
body.dark-mode .market-card,
body.dark-mode .market-table-card,
body.dark-mode .testimonial-card,
body.dark-mode .faq-item,
body.dark-mode .number-card,
body.dark-mode .apply-box,
body.dark-mode .about-corporate-card,
body.dark-mode .tool-hub-card,
body.dark-mode .rate-tabs-wrap,
body.dark-mode .sip-result,
body.dark-mode .cc-group,
body.dark-mode .cc-input-wrap,
body.dark-mode .el-toggle-btn,
body.dark-mode .dropdown-grid,
body.dark-mode .search-modal-content,
body.dark-mode .apply-step,
body.dark-mode .pstep-card {
    background: var(--bg-card) !important;
    border-color: var(--border-color) !important;
}
/* Rate tab active/hover */
body.dark-mode .rate-tab.active,
body.dark-mode .rate-tab:hover { background: var(--bg-card) !important; color: var(--text-primary) !important; }
/* Icon containers with inline pastel gradients — dim in dark mode */
body.dark-mode .insv-icon,
body.dark-mode .fsc-icon,
body.dark-mode .product-icon,
body.dark-mode .number-icon-wrap,
body.dark-mode .vc-icon,
body.dark-mode .consult-icon-wrap,
body.dark-mode .why-icon-wrap,
body.dark-mode .thc-icon-wrap,
body.dark-mode .feature-icon,
body.dark-mode .tsh-icon,
body.dark-mode .sri-icon,
body.dark-mode .corp-icon,
body.dark-mode .fc-icon,
body.dark-mode .dropdown-icon { filter: brightness(0.4) saturate(0.8); }
/* .tag pills */
body.dark-mode .tag { background: var(--bg-secondary) !important; color: var(--text-secondary) !important; border: 1px solid var(--border-color); }
/* hero-stat dividers */
body.dark-mode .hero-stat-divider { background: var(--border-color) !important; }
/* section headers using --dark vars (now auto-fixed via variable override, belt-and-suspenders) */
body.dark-mode .section-title,
body.dark-mode .section-subtitle,
body.dark-mode h1, body.dark-mode h2, body.dark-mode h3, body.dark-mode h4 {
    color: var(--text-primary);
}
body.dark-mode p, body.dark-mode li { color: var(--text-secondary); }
/* Green / coloured CTA banners — force white text, don't let p/li rule override */
body.dark-mode .advisory-cta-card p,
body.dark-mode .advisory-cta-card li,
body.dark-mode .product-cta-section p,
body.dark-mode .product-cta-section li,
body.dark-mode .aca-subtitle { color: rgba(255,255,255,0.85) !important; }
/* Ensure CTA / button text on green buttons stays white */
body.dark-mode .btn-primary,
body.dark-mode .vc-cta-primary,
body.dark-mode .product-cta-section * { color: inherit; }
/* btn-cta-white: white pill on green background must keep green text */
body.dark-mode .btn-cta-white { background: #fff !important; color: #00b386 !important; }
/* Tool hub card text */
body.dark-mode .fsc-title,
body.dark-mode .fsc-desc { color: var(--text-primary) !important; }
body.dark-mode .fsc-desc { color: var(--text-secondary) !important; }
/* Apply step text */
body.dark-mode .apply-step-title,
body.dark-mode .apply-step-desc { color: var(--text-primary) !important; }
/* Market card text */
body.dark-mode .market-card h3,
body.dark-mode .market-card p,
body.dark-mode .market-table-card th,
body.dark-mode .market-table-card td { color: var(--text-primary) !important; }
/* FAQ text */
body.dark-mode .faq-question,
body.dark-mode .faq-answer { color: var(--text-primary) !important; }
/* Number card text */
body.dark-mode .number-card h3,
body.dark-mode .number-value { color: var(--text-primary) !important; }
/* Testimonial */
body.dark-mode .testimonial-text,
body.dark-mode .testimonial-name { color: var(--text-primary) !important; }

/* ================================================================
   IMMERSIVE FINANCE HERO + ILLUSTRATION SYSTEM
   ================================================================ */
.hero {
    --hero-scene-bg: rgba(255,255,255,0.82);
    --hero-scene-border: rgba(18,59,74,0.10);
    --hero-scene-ink: #123b4a;
    --hero-scene-muted: #6d7b87;
    --hero-grid-line: rgba(83,103,255,0.07);
    --hero-ground-a: #e9faf5;
    --hero-ground-b: #f5f8ff;
    --hero-road: #dcefe9;
    --hero-outline: rgba(18,59,74,0.16);
    --hero-window: rgba(220,250,242,0.72);
    position: relative;
    isolation: isolate;
    padding-top: 16px;
    padding-bottom: 34px;
    background:
        radial-gradient(circle at 78% 30%, rgba(0,208,156,0.13), transparent 30%),
        radial-gradient(circle at 91% 66%, rgba(83,103,255,0.10), transparent 27%),
        linear-gradient(180deg, #f4f7fe 0%, #ffffff 74%);
}
.hero::before {
    content: '';
    position: absolute;
    inset: var(--nav-height) 0 0 46%;
    z-index: -1;
    pointer-events: none;
    opacity: 0.58;
    background-image:
        linear-gradient(var(--hero-grid-line) 1px, transparent 1px),
        linear-gradient(90deg, var(--hero-grid-line) 1px, transparent 1px);
    background-size: 42px 42px;
    mask-image: radial-gradient(circle at 55% 42%, #000 0, transparent 69%);
}
.hero::after {
    content: '';
    position: absolute;
    width: 520px;
    height: 520px;
    right: -190px;
    top: 4%;
    z-index: -1;
    border: 1px solid rgba(0,208,156,0.14);
    border-radius: 50%;
    box-shadow: 0 0 0 70px rgba(83,103,255,0.025), 0 0 0 142px rgba(0,208,156,0.025);
}
.hero-container {
    width: 100%;
    max-width: 1240px;
    grid-template-columns: minmax(0, 0.93fr) minmax(560px, 1.07fr);
    gap: 20px;
}
.hero-content {
    position: relative;
    z-index: 4;
}
.hero-title {
    font-size: clamp(43px, 4.65vw, 66px);
    letter-spacing: -2.4px;
}
.hero-subtitle {
    max-width: 580px;
}
.hero-visual {
    min-width: 0;
    perspective: 1100px;
    transform-style: preserve-3d;
}
.hero-iso-wrap {
    position: relative;
    width: 100%;
    min-height: 620px;
    isolation: isolate;
    transform-style: preserve-3d;
}
#heroIsoSvg {
    position: absolute;
    inset: -14px -7%;
    width: 114%;
    height: calc(100% + 28px);
    max-height: none;
    overflow: visible;
    filter: drop-shadow(0 30px 35px rgba(20,55,75,0.12));
    transform: translateZ(0);
}
.smp-featured-art {
    display: block;
    width: 112px;
    height: 112px;
    object-fit: contain;
    align-self: center;
    margin: -10px auto -2px;
    filter: drop-shadow(0 12px 18px rgba(18,59,74,0.14));
}
.smp-featured {
    position: relative;
    overflow: hidden;
}
.smp-featured::after {
    content: '';
    position: absolute;
    width: 120px;
    height: 120px;
    left: 50%;
    top: 4px;
    z-index: -1;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0,208,156,0.12), transparent 68%);
    transform: translateX(-50%);
}

.wealth-visual-scene {
    position: relative;
    min-height: 430px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.wealth-visual-scene::before {
    content: '';
    position: absolute;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(83,103,255,0.14), transparent 68%);
}
.wealth-visual-art {
    position: relative;
    z-index: 1;
    width: min(92%, 420px);
    height: auto;
    filter: drop-shadow(0 24px 28px rgba(18,59,74,0.16));
}
.wealth-chart-float {
    position: absolute;
    z-index: 2;
    right: -10px;
    bottom: 12px;
    width: min(290px, 68%);
    padding: 17px 18px;
    border-radius: 16px;
    background: rgba(255,255,255,0.88);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
}
.wealth-chart-float .wcc-header { margin-bottom: 8px; }
.wealth-chart-float .wealth-graph { height: 78px; margin-bottom: 8px; }
.wealth-chart-float .wcc-sv { font-size: 14px; }

body.dark-mode .hero {
    --hero-scene-bg: rgba(28,34,48,0.86);
    --hero-scene-border: rgba(139,230,204,0.14);
    --hero-scene-ink: #eefaf7;
    --hero-scene-muted: #a8b6bd;
    --hero-grid-line: rgba(139,230,204,0.05);
    --hero-ground-a: #17292a;
    --hero-ground-b: #1b2433;
    --hero-road: #233a3a;
    --hero-outline: rgba(167,243,208,0.15);
    --hero-window: rgba(112,224,193,0.27);
    background:
        radial-gradient(circle at 78% 30%, rgba(0,208,156,0.12), transparent 31%),
        radial-gradient(circle at 92% 65%, rgba(83,103,255,0.12), transparent 29%),
        linear-gradient(145deg, #0f1117 0%, #181c26 100%) !important;
}
body.dark-mode #heroIsoSvg {
    filter: drop-shadow(0 30px 40px rgba(0,0,0,0.34)) brightness(0.82) saturate(0.92);
}
body.dark-mode .wealth-chart-float {
    background: rgba(30,34,48,0.90);
}
body.dark-mode .smp-featured-art,
body.dark-mode .wealth-visual-art {
    filter: drop-shadow(0 18px 24px rgba(0,0,0,0.32)) brightness(0.88);
}

@media (max-width: 1180px) {
    .hero-container {
        grid-template-columns: minmax(0, 0.95fr) minmax(500px, 1.05fr);
    }
    .hero-title { font-size: clamp(40px, 5vw, 58px); }
    .hero-iso-wrap { min-height: 510px; }
}

@media (max-width: 1024px) {
    .hero {
        min-height: auto;
        padding-top: calc(var(--nav-height) + 48px);
        padding-bottom: 50px;
    }
    .hero-container {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    .hero-content {
        max-width: 760px;
        margin: 0 auto;
    }
    .hero-visual {
        width: min(100%, 700px);
        max-width: 700px;
    }
    .hero-iso-wrap { min-height: 500px; }
    .hero::before { inset-left: 0; }
    .wealth-visual-scene { min-height: 390px; }
    .smp-featured {
        flex-direction: column !important;
        align-items: flex-start !important;
    }
    .smp-featured-art {
        position: absolute;
        right: 16px;
        bottom: -12px;
        width: 120px;
        height: 120px;
        opacity: 0.58;
    }
    .smp-featured-title,
    .smp-featured-desc,
    .smp-featured-link,
    .smp-featured-btn { max-width: calc(100% - 128px); }
}

@media (max-width: 768px) {
    .hero {
        padding-top: calc(var(--nav-height) + 34px);
        padding-bottom: 42px;
    }
    .hero::before { inset: var(--nav-height) 0 0; }
    .hero::after { width: 360px; height: 360px; right: -190px; }
    .hero-container { padding: 0 18px; }
    .hero-title {
        font-size: clamp(34px, 9vw, 46px);
        letter-spacing: -1.5px;
    }
    .hero-subtitle { font-size: 15px; }
    .hero-subtitle-lead { font-size: 16.5px; }
    .hero-subtitle-body { font-size: 13.5px; }
    .hero-cta { margin-bottom: 34px; }
    .hero-stats {
        display: grid;
        grid-template-columns: 1fr auto 1fr auto 1fr;
        width: 100%;
        max-width: 520px;
        margin-inline: auto;
        gap: 12px;
    }
    .hero-stat-divider { width: 1px; height: 38px; }
    .stat-number, .stat-suffix { font-size: 22px; }
    .stat-label { font-size: 10px; }
    .hero-visual { max-width: 610px; }
    .hero-iso-wrap { min-height: 430px; }
    #heroIsoSvg { inset: 30px 0 24px; height: calc(100% - 54px); }
    .wealth-visual-scene { min-height: 380px; }
    .wealth-visual-art { width: min(88%, 390px); }
}

@media (max-width: 540px) {
    .hero-content { text-align: left; }
    .hero-badge { margin-bottom: 18px; }
    .hero-title { font-size: clamp(32px, 10vw, 42px) !important; }
    .hero-subtitle { margin-inline: 0; }
    .hero-cta {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 10px;
        align-items: stretch;
    }
    .hero-cta a {
        width: auto;
        padding: 12px 13px;
        font-size: 13px;
    }
    .hero-stats { gap: 7px; }
    .hero-stat { min-width: 0; }
    .stat-number, .stat-suffix { font-size: 18px; }
    .stat-label { line-height: 1.25; }
    .hero-iso-wrap { min-height: 352px; margin-top: 4px; }
    #heroIsoSvg {
        inset: 20px -16px 16px;
        width: calc(100% + 32px);
        height: calc(100% - 36px);
    }
    .wealth-visual-scene { min-height: 330px; }
    .wealth-chart-float {
        right: 0;
        bottom: 0;
        width: 68%;
        padding: 12px;
    }
    .wealth-chart-float .wealth-graph { height: 58px; }
    .smp-featured-art { display: none; }
    .smp-featured-title,
    .smp-featured-desc,
    .smp-featured-link,
    .smp-featured-btn { max-width: 100%; }
}

/* ── Language Marquee Section ──────────────────────────────────── */
.ils-section {
    padding: 90px 0 0;
    overflow: hidden;
    background: var(--bg-primary);
}
.ils-header {
    text-align: center;
    padding: 0 24px 56px;
}
.ils-title {
    font-size: clamp(30px, 4vw, 50px);
    font-weight: 800;
    color: var(--text-primary);
    line-height: 1.1;
    letter-spacing: -0.02em;
    font-family: 'Plus Jakarta Sans', sans-serif;
}
.ils-title em {
    font-style: italic;
    color: #00d09c;
    font-weight: 800;
}
.ils-subtitle {
    margin-top: 14px;
    color: var(--text-secondary);
    font-size: 16px;
    font-weight: 500;
}

/* Stage with edge fade */
.ils-stage {
    overflow: hidden;
    padding: 16px 0 72px;
    position: relative;
    -webkit-mask-image: linear-gradient(to right, transparent 0%, black 7%, black 93%, transparent 100%);
    mask-image: linear-gradient(to right, transparent 0%, black 7%, black 93%, transparent 100%);
    cursor: grab;
}
.ils-stage:active { cursor: grabbing; }

.ils-track {
    display: flex;
    gap: 18px;
    width: max-content;
    will-change: transform;
}

/* Base card */
.ils-card {
    width: 230px;
    height: 308px;
    background: var(--bg, #f8f2e8);
    border-radius: 20px;
    flex-shrink: 0;
    position: relative;
    overflow: hidden;
    transition: box-shadow 0.3s ease;
    transform-style: preserve-3d;
    user-select: none;
}
.ils-card:hover {
    box-shadow: 0 28px 56px rgba(0,0,0,0.18);
    z-index: 2;
}

/* Card content (text area) */
.ils-cc {
    padding: 24px 22px 0;
    position: relative;
    z-index: 2;
}
.ils-card-eyebrow {
    font-size: 9.5px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--acc, #7c3e0e);
    opacity: 0.72;
    margin-bottom: 8px;
}
.ils-card-heading {
    font-size: 42px;
    font-weight: 900;
    line-height: 1;
    color: var(--txt, #3a1800);
    margin-bottom: 6px;
    font-family: system-ui, -apple-system, sans-serif;
}
.ils-card-sub {
    font-size: 11px;
    font-weight: 600;
    color: var(--acc, #7c3e0e);
    opacity: 0.75;
    letter-spacing: 0.2px;
}

/* Art area (SVG illustration) */
.ils-art {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    color: var(--acc, #7c3e0e);
    line-height: 0;
}
.ils-art svg {
    width: 100%;
    height: auto;
    display: block;
}

/* Brand card overrides */
.ils-brand-card {
    background: #0d1f3c;
}
.ils-brand-card .ils-card-eyebrow { color: #00d09c; opacity: 0.7; }
.ils-brand-card .ils-card-heading { color: #00d09c; font-size: 36px; }
.ils-brand-card .ils-card-sub { color: #00d09c; opacity: 0.6; }
.ils-brand-card .ils-art { color: #00d09c; }

/* Dark card variant */
.ils-dark-card .ils-card-eyebrow { color: var(--acc); opacity: 0.6; }
.ils-dark-card .ils-card-heading { color: var(--txt); }
.ils-dark-card .ils-card-sub { color: var(--acc); opacity: 0.65; }

/* Dark mode: keep card BG unchanged (they're designed in their own palette) */
body.dark-mode .ils-section { background: var(--bg-primary); }
body.dark-mode .ils-card { box-shadow: none; }
body.dark-mode .ils-card:hover { box-shadow: 0 24px 48px rgba(0,0,0,0.5); }

@media (max-width: 768px) {
    .ils-section { padding: 64px 0 0; }
    .ils-header { padding-bottom: 40px; }
    .ils-card { width: 200px; height: 270px; }
    .ils-card-heading { font-size: 36px; }
}

/* ===== Academy Banner ===== */
.academy-banner-section {
    padding: 64px 24px;
}

.academy-banner-card {
    max-width: 1180px;
    margin: 0 auto;
    position: relative;
    overflow: hidden;
    border-radius: 28px;
    background: linear-gradient(135deg, #ffffff 0%, #f4f7fe 100%);
    color: #1a1a2e;
    padding: 56px 48px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border: 1px solid #e2e8f0;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04);
}

.academy-banner-content {
    position: relative;
    z-index: 2;
    max-width: 620px;
}

.academy-banner-badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: #00b386;
    background: rgba(0,208,156, .12);
    padding: 8px 16px;
    border-radius: 999px;
}

.academy-banner-title {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: clamp(28px, 4vw, 46px);
    font-weight: 800;
    line-height: 1.06;
    margin: 18px 0 14px;
    letter-spacing: -.02em;
    color: #1a1a2e;
}

.academy-banner-title span {
    color: #00b386;
}

.academy-banner-desc {
    font-size: 17px;
    line-height: 1.6;
    color: #4a4d61;
    margin: 0;
    max-width: 580px;
}

.academy-banner-ctas {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 28px;
}

.academy-banner-btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #00b386;
    color: #fff;
    font-weight: 800;
    font-size: 16px;
    padding: 16px 30px;
    border-radius: 999px;
    text-decoration: none;
    transition: var(--transition-fast);
}

.academy-banner-btn-primary:hover {
    background: #009d77;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 179, 134, 0.35);
}

.academy-banner-btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(83, 103, 255, 0.08);
    color: #5367ff;
    font-weight: 700;
    font-size: 16px;
    padding: 16px 28px;
    border-radius: 999px;
    text-decoration: none;
    border: 1px solid rgba(83, 103, 255, 0.15);
    transition: var(--transition-fast);
}

.academy-banner-btn-secondary:hover {
    background: rgba(83, 103, 255, 0.15);
    transform: translateY(-2px);
}

.academy-banner-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 22px;
    margin-top: 26px;
    font-size: 13.5px;
    font-weight: 600;
    color: #555577;
}

.academy-banner-visual {
    position: absolute;
    right: -20px;
    bottom: -30px;
    width: 530px;
    height: auto;
    z-index: 1;
    pointer-events: none;
    transform-origin: bottom right;
    transition: all 0.3s ease;
}

.academy-banner-visual img {
    width: 100%;
    height: auto;
    display: block;
}

/* Responsive Academy Banner */
@media (max-width: 1024px) {
    .academy-banner-card {
        padding: 48px 36px;
    }
    .academy-banner-visual {
        width: 420px;
        right: -10px;
        bottom: -20px;
    }
    .academy-banner-content {
        max-width: 550px;
    }
}

@media (max-width: 860px) {
    .academy-banner-card {
        flex-direction: column;
        align-items: flex-start;
        padding: 40px 28px 320px; /* Leave space for absolute image at bottom */
    }
    .academy-banner-content {
        max-width: 100%;
    }
    .academy-banner-visual {
        width: 380px;
        right: 50%;
        transform: translateX(50%);
        bottom: -10px;
    }
}

@media (max-width: 480px) {
    .academy-banner-card {
        padding-bottom: 240px;
    }
    .academy-banner-visual {
        width: 300px;
    }
    .academy-banner-stats {
        gap: 12px;
    }
}

/* ===== New Rebrand Sections ===== */

/* About FinGarage Section */
.about-fg-section {
    padding: 90px 24px;
    background: var(--white);
    border-bottom: 1px solid var(--border);
}

.about-fg-grid {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 60px;
    align-items: center;
}

.about-fg-left {
    max-width: 620px;
}

.about-fg-right {
    background: var(--light-bg);
    padding: 44px;
    border-radius: 24px;
    border: 1px solid var(--border);
    box-shadow: var(--card-shadow);
}

.about-fg-subtitle {
    font-size: 14px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--primary);
    margin-bottom: 12px;
}

.about-fg-title {
    font-size: clamp(28px, 4vw, 38px);
    font-weight: 800;
    line-height: 1.2;
    color: var(--dark);
    margin-bottom: 18px;
    letter-spacing: -1px;
}

.about-fg-desc {
    font-size: 16px;
    line-height: 1.7;
    color: var(--dark-secondary);
    margin-bottom: 20px;
}

.about-fg-mission-box {
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1.5px dashed var(--border);
}

.about-fg-mission-label {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--dark-secondary);
    letter-spacing: 1px;
    margin-bottom: 8px;
}

.about-fg-mission-text {
    font-size: 20px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1.4;
}

/* LIFT Framework Section */
.lift-section {
    padding: 90px 24px;
    background: var(--light-bg);
    border-bottom: 1px solid var(--border);
    position: relative;
    overflow: hidden;
}

.lift-grid {
    max-width: var(--max-width);
    margin: 48px auto 0;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.lift-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 20px;
    padding: 32px 28px;
    transition: var(--transition);
    box-shadow: var(--card-shadow);
    display: flex;
    flex-direction: column;
    height: 100%;
}

.lift-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--card-shadow-hover);
    border-color: var(--primary);
}

.lift-card-icon {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    color: var(--white);
}

.lift-card-title {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.lift-card-desc {
    font-size: 14.5px;
    color: var(--dark-secondary);
    line-height: 1.6;
}

/* One Roof Ecosystem Section */
.one-roof-section {
    padding: 90px 24px;
    background: var(--light-bg);
    border-bottom: 1px solid var(--border);
}

.one-roof-grid {
    max-width: var(--max-width);
    margin: 48px auto 0;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.one-roof-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 20px;
    padding: 32px;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    box-shadow: var(--card-shadow);
}

.one-roof-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--card-shadow-hover);
    border-color: var(--primary);
}

.one-roof-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.one-roof-title {
    font-size: 18px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 10px;
}

.one-roof-desc {
    font-size: 14px;
    color: var(--dark-secondary);
    line-height: 1.55;
}

/* Vision & Mission Section */
.vm-section {
    padding: 90px 24px;
    background: var(--light-bg);
    border-bottom: 1px solid var(--border);
}

.vm-grid {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
}

.vm-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 24px;
    padding: 48px;
    box-shadow: var(--card-shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.vm-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 6px;
    height: 100%;
}

.vm-card.vision-card::before {
    background: var(--primary);
}

.vm-card.mission-card::before {
    background: var(--blue);
}

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

.vm-title {
    font-size: 24px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.vm-desc {
    font-size: 16px;
    color: var(--dark-secondary);
    line-height: 1.7;
}

/* Academy banner lists & layout enhancement */
.academy-banner-details-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    margin-top: 36px;
    padding-top: 24px;
    border-top: 1px solid #e2e8f0;
}

.academy-banner-column h4 {
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: #1a1a2e;
    margin-bottom: 12px;
}

.academy-banner-list {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.academy-banner-list-item {
    font-size: 12.5px;
    font-weight: 600;
    color: #4a4d61;
    background: rgba(0, 0, 0, 0.04);
    padding: 6px 12px;
    border-radius: 6px;
}

/* Responsive Rules for Ecosystem */
@media (max-width: 1024px) {
    .one-roof-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 860px) {
    .about-fg-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .lift-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .vm-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
}

@media (max-width: 560px) {
    .lift-grid, .one-roof-grid {
        grid-template-columns: 1fr;
    }
    .about-fg-right {
        padding: 24px;
    }
    .vm-card {
        padding: 32px;
    }
    .academy-banner-details-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
}