/* ==========================================================================
   Shreeyansh Edufin — Institutional Design System
   Disciplined typography, controlled banking palette, structural hairlines.
   ========================================================================== */

:root {
  /* Institutional Brand Palette */
  --navy-950: #0c1024;
  --navy-900: #131936;
  --navy-800: #1b224b;
  --navy-700: #28326b;
  --navy-600: #38458c;
  --navy-100: #e5e8f4;
  --navy-50:  #f2f4fa;

  /* Purposeful Warm Copper / Saffron Accent (Used with restraint) */
  --orange-700: #b8480a;
  --orange-600: #d1540f;
  --orange-500: #e0631a;
  --orange-100: #fbe5d6;
  --orange-50:  #fdf6f0;

  /* Semantic & Secondary Tones */
  --green-600: #166534;
  --green-500: #1f7a42;
  --green-100: #dcfce7;
  --green-50:  #f0fdf4;

  --sky-600: #0369a1;
  --sky-500: #0284c7;
  --sky-100: #e0f2fe;
  --sky-50:  #f0f9ff;

  /* Neutrals & Surfaces */
  --ink:       #111526;
  --text:      #333b4d;
  --muted:     #5a6376;
  --subtle:    #7d8699;
  --line:      #dce0ea;
  --line-soft: #eaedf4;
  --bg:        #ffffff;
  --bg-soft:   #f8f7f4;
  --bg-cool:   #f2f4f8;

  /* Status */
  --success: #1f7a42;
  --warning: #b45309;
  --danger:  #b91c1c;

  /* Default Component Tone (Unified Navy) */
  --tone:        var(--navy-800);
  --tone-strong: var(--navy-900);
  --tone-soft:   var(--navy-50);
  --tone-mid:    var(--navy-100);

  /* Typography */
  --font: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --font-serif: "Instrument Serif", Georgia, serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  /* Architectural Radius Scale (No excessive rounding or pill-everything) */
  --r-xs: 4px;
  --r-sm: 6px;
  --r:    8px;
  --r-lg: 10px;
  --r-xl: 12px;

  /* Controlled Elevation */
  --sh-1: 0 1px 2px rgba(17, 21, 38, 0.04);
  --sh-2: 0 4px 12px rgba(17, 21, 38, 0.06), 0 1px 2px rgba(17, 21, 38, 0.04);
  --sh-3: 0 12px 28px -6px rgba(17, 21, 38, 0.10), 0 2px 6px rgba(17, 21, 38, 0.04);
  --ring: 0 0 0 3px rgba(27, 34, 75, 0.16);

  --container: 1220px;
  --gutter: clamp(20px, 4vw, 32px);
  --header-h: 78px;
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

/* ---------- Base & Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 20px);
  overflow-x: clip;
}
body {
  margin: 0;
  font-family: var(--font);
  font-size: 0.96875rem; /* 15.5px crisp institutional body size */
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  overflow-x: clip;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; padding: 0; }
h1, h2, h3, h4, h5 {
  margin: 0;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.18;
  letter-spacing: -0.022em;
}
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
dl, dd { margin: 0; }
table { border-collapse: collapse; width: 100%; }
::selection { background: var(--navy-100); color: var(--ink); }
:focus-visible { outline: 2px solid var(--navy-700); outline-offset: 2px; border-radius: var(--r-xs); }

.icon { width: 1.2em; height: 1.2em; flex-shrink: 0; }
.icon--sm { width: 1em; height: 1em; }
.icon--lg { width: 1.45em; height: 1.45em; }
.sr-only {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
  position: fixed; top: 12px; left: 12px; z-index: 200;
  padding: 10px 16px; border-radius: var(--r-sm);
  background: var(--navy-900); color: #fff; font-weight: 600; font-size: 0.875rem;
  transform: translateY(-160%); transition: transform 0.2s var(--ease);
}
.skip-link:focus { transform: translateY(0); }

/* ---------- Layout & Containers ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.container--narrow { max-width: 860px; }
.section { padding-block: clamp(64px, 7.5vw, 104px); position: relative; }
.section--tight { padding-block: clamp(48px, 5vw, 72px); }
.section--soft { background: var(--bg-soft); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.section--cool { background: var(--bg-cool); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.section--flush-top { padding-top: 0; }

.grid { display: grid; gap: clamp(16px, 2vw, 24px); }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}
.split--top { align-items: start; }
.split--wide-left { grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr); }
.split--wide-right { grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); }
.split--faq { grid-template-columns: minmax(0, 0.75fr) minmax(0, 1.25fr); gap: clamp(32px, 5vw, 64px); }
.stack > * + * { margin-top: var(--stack, 16px); }

/* ---------- Typography ---------- */
/* Any remaining .serif span blends naturally without orange italic gimmick */
.serif { font-family: inherit; font-style: normal; font-weight: inherit; color: inherit; }

.display {
  font-size: clamp(2.05rem, 3.6vw, 3.05rem);
  line-height: 1.12;
  letter-spacing: -0.028em;
  font-weight: 700;
  color: var(--ink);
}
.h1 {
  font-size: clamp(1.9rem, 3.2vw, 2.75rem);
  letter-spacing: -0.025em;
  line-height: 1.14;
}
.h2 {
  font-size: clamp(1.55rem, 2.5vw, 2.15rem);
  letter-spacing: -0.022em;
  line-height: 1.18;
}
.h3 {
  font-size: 1.15rem;
  letter-spacing: -0.015em;
  line-height: 1.32;
}
.lead {
  font-size: clamp(1rem, 1.15vw, 1.08rem);
  line-height: 1.68;
  color: var(--muted);
  max-width: 62ch;
}
.text-muted { color: var(--muted); }
.text-sm { font-size: 0.885rem; line-height: 1.58; }
.text-xs { font-size: 0.785rem; line-height: 1.5; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--navy-700);
}
.eyebrow::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 1px;
  background: var(--orange-600);
}
.eyebrow--light { color: rgba(255, 255, 255, 0.78); }

.section-head {
  display: grid;
  gap: 12px;
  margin-bottom: clamp(32px, 4vw, 48px);
  max-width: 680px;
}
.section-head--center {
  margin-inline: auto;
  text-align: center;
  justify-items: center;
}
.section-head--center .lead { margin-inline: auto; }
.section-head--row {
  max-width: none;
  grid-template-columns: 1fr auto;
  align-items: end;
  gap: 20px 48px;
}
.section-head--row > div:first-child { display: grid; gap: 10px; max-width: 660px; }

/* ---------- Buttons & Links ---------- */
.btn {
  --btn-bg: var(--navy-800);
  --btn-fg: #fff;
  --btn-bd: transparent;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 44px;
  padding: 0 20px;
  border-radius: var(--r-sm);
  background: var(--btn-bg);
  color: var(--btn-fg);
  border: 1px solid var(--btn-bd);
  font-weight: 600;
  font-size: 0.92rem;
  letter-spacing: -0.005em;
  white-space: nowrap;
  transition: background-color 0.18s ease, color 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
}
.btn .icon { transition: transform 0.2s var(--ease); }
.btn:hover .icon { transform: translateX(2px); }

.btn-primary {
  --btn-bg: var(--navy-800);
  --btn-bd: var(--navy-800);
  box-shadow: var(--sh-1);
}
.btn-primary:hover {
  --btn-bg: var(--navy-900);
  --btn-bd: var(--navy-900);
}

.btn-accent {
  --btn-bg: var(--orange-600);
  --btn-bd: var(--orange-600);
  box-shadow: var(--sh-1);
}
.btn-accent:hover {
  --btn-bg: var(--orange-700);
  --btn-bd: var(--orange-700);
}

.btn-ghost {
  --btn-bg: #fff;
  --btn-fg: var(--ink);
  --btn-bd: var(--line);
}
.btn-ghost:hover {
  --btn-bd: var(--navy-700);
  background: var(--navy-50);
  color: var(--navy-900);
}

.btn-light {
  --btn-bg: #fff;
  --btn-fg: var(--navy-900);
  --btn-bd: #fff;
}
.btn-light:hover { --btn-bg: var(--navy-50); }

.btn-outline-light {
  --btn-bg: transparent;
  --btn-fg: #fff;
  --btn-bd: rgba(255, 255, 255, 0.32);
}
.btn-outline-light:hover {
  --btn-bd: #fff;
  background: rgba(255, 255, 255, 0.08);
}

.btn-sm { min-height: 38px; padding: 0 15px; font-size: 0.86rem; }
.btn-lg { min-height: 48px; padding: 0 24px; font-size: 0.95rem; }
.btn-block { width: 100%; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy-800);
  transition: color 0.18s ease;
}
.link-arrow:hover {
  color: var(--orange-600);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.link-arrow .icon { transition: transform 0.2s var(--ease); }
.link-arrow:hover .icon { transform: translateX(3px); }

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* ---------- Badges & Icon Containers ---------- */
.tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 3px 9px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
  font-size: 0.75rem;
  font-weight: 600;
}

.icon-badge {
  display: inline-grid;
  place-items: center;
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: var(--r-sm);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
}
.icon-badge .icon { width: 20px; height: 20px; }
.icon-badge--sm { width: 36px; height: 36px; border-radius: var(--r-sm); }
.icon-badge--sm .icon { width: 18px; height: 18px; }
.icon-badge--lg { width: 52px; height: 52px; border-radius: var(--r); }
.icon-badge--lg .icon { width: 24px; height: 24px; }

/* ---------- Top Utility Bar & Header ---------- */
.topbar {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.78rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 36px;
}
.topbar__left, .topbar__right {
  display: flex;
  align-items: center;
  gap: 10px;
}
.topbar__badge {
  display: inline-block;
  padding: 2px 7px;
  border-radius: 3px;
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.03em;
}
.topbar__right a { color: rgba(255, 255, 255, 0.85); transition: color 0.15s; }
.topbar__right a:hover { color: #fff; text-decoration: underline; text-underline-offset: 2px; }
.topbar__sep { color: rgba(255, 255, 255, 0.3); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #ffffff;
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.2s ease;
}
.site-header.is-scrolled {
  box-shadow: 0 4px 16px -6px rgba(17, 21, 38, 0.08);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 24px;
  height: var(--header-h);
}

.brand { 
  display: inline-flex; 
  align-items: center; 
  gap: 13px; 
  flex-shrink: 0; 
  text-decoration: none;
}
.brand__mark {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: 1.5px solid var(--line);
  background: #fff;
  padding: 2px;
  object-fit: contain;
  box-shadow: 0 2px 8px rgba(17, 21, 38, 0.06);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.brand:hover .brand__mark {
  transform: scale(1.05);
  box-shadow: 0 4px 14px rgba(17, 21, 38, 0.12);
}
.brand__text { display: grid; line-height: 1.14; }
.brand__text strong {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy-900);
  letter-spacing: -0.02em;
}
.brand__text span {
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--orange-600);
}

.main-nav { margin-inline: auto; }
.nav-list { display: flex; align-items: center; gap: 4px; }
.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 8px 13px;
  border-radius: var(--r-sm);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  transition: color 0.15s, background-color 0.15s;
}
.nav-link .icon { width: 15px; height: 15px; color: var(--subtle); transition: transform 0.2s var(--ease); }
.nav-link:hover, .has-dropdown.is-open > .nav-link {
  color: var(--ink);
  background: var(--bg-cool);
}
.nav-link.is-active {
  color: var(--navy-800);
  background: var(--navy-50);
}
.has-dropdown { position: relative; }
.has-dropdown.is-open > .nav-link .icon { transform: rotate(180deg); color: var(--ink); }

.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  min-width: 310px;
  padding: 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-3);
  opacity: 0;
  visibility: hidden;
  transform: translate(-50%, 6px);
  transition: opacity 0.18s var(--ease), transform 0.18s var(--ease), visibility 0.18s;
}
.dropdown::before { content: ""; position: absolute; inset: -10px 0 auto; height: 10px; }
.has-dropdown.is-open > .dropdown { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.dropdown--mega { width: 580px; }
.dropdown__head {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--subtle);
  padding: 4px 10px 8px;
  border-bottom: 1px solid var(--line-soft);
  margin-bottom: 6px;
}
.dropdown__grid { display: grid; gap: 4px; }
.dropdown--mega .dropdown__grid { grid-template-columns: 1fr 1fr; }
.dd-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 10px;
  border-radius: var(--r-sm);
  transition: background-color 0.15s;
}
.dd-item:hover { background: var(--bg-cool); }
.dd-item:hover .icon-badge { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }
.dd-item strong { display: block; font-size: 0.9rem; color: var(--ink); font-weight: 700; line-height: 1.25; }
.dd-item small { display: block; font-size: 0.79rem; color: var(--muted); margin-top: 2px; font-variant-numeric: tabular-nums; }
.dropdown__foot {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-top: 8px;
  padding: 10px 12px;
  border-radius: var(--r-sm);
  background: var(--bg-soft);
  border-top: 1px solid var(--line-soft);
  font-size: 0.82rem;
  color: var(--muted);
}
.dropdown__foot a {
  font-weight: 700;
  color: var(--navy-800);
  display: inline-flex;
  align-items: center;
  gap: 5px;
  white-space: nowrap;
}
.dropdown__foot a:hover { color: var(--orange-600); }

.header-actions { display: flex; align-items: center; gap: 14px; }
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  padding: 6px 8px;
  border-radius: var(--r-sm);
}
.header-phone:hover { background: var(--bg-cool); }
.header-phone .icon { color: var(--navy-700); width: 16px; height: 16px; }

.nav-toggle {
  display: none;
  width: 40px;
  height: 40px;
  border-radius: var(--r-sm);
  border: 1px solid var(--line);
  background: #fff;
  place-items: center;
}
.nav-toggle .icon { width: 20px; height: 20px; color: var(--ink); }

/* Mobile Drawer */
.mobile-nav { position: fixed; inset: 0; z-index: 150; visibility: hidden; }
.mobile-nav.is-open { visibility: visible; }
.mobile-nav__backdrop {
  position: absolute; inset: 0;
  background: rgba(12, 16, 36, 0.5);
  opacity: 0;
  transition: opacity 0.25s var(--ease);
}
.mobile-nav.is-open .mobile-nav__backdrop { opacity: 1; }
.mobile-nav__panel {
  position: absolute; top: 0; right: 0; bottom: 0;
  width: min(380px, 100%);
  display: flex; flex-direction: column;
  background: #fff;
  transform: translateX(100%);
  transition: transform 0.3s var(--ease);
  box-shadow: -16px 0 40px rgba(12, 16, 36, 0.25);
}
.mobile-nav.is-open .mobile-nav__panel { transform: translateX(0); }
.mobile-nav__head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px var(--gutter);
  border-bottom: 1px solid var(--line);
}
.mobile-nav__close {
  width: 38px; height: 38px;
  border-radius: var(--r-sm);
  border: 1px solid var(--line);
  display: grid; place-items: center;
}
.mobile-nav__body { flex: 1; overflow-y: auto; padding: 8px var(--gutter) 20px; }
.m-link {
  display: flex; align-items: center; justify-content: space-between;
  width: 100%; padding: 14px 0;
  font-size: 0.98rem; font-weight: 600; color: var(--ink);
  border-bottom: 1px solid var(--line-soft);
  text-align: left;
}
.m-link.is-active { color: var(--orange-600); }
.m-link .icon { width: 16px; height: 16px; color: var(--subtle); transition: transform 0.25s var(--ease); }
.m-group.is-open > .m-link .icon { transform: rotate(180deg); }
.m-sub { display: grid; gap: 4px; overflow: hidden; max-height: 0; transition: max-height 0.3s var(--ease); }
.m-group.is-open > .m-sub { max-height: 500px; }
.m-sub > :first-child { margin-top: 8px; }
.m-sub > :last-child { margin-bottom: 12px; }
.m-sub .dd-item { padding: 8px; }
.mobile-nav__foot {
  padding: 14px var(--gutter) calc(14px + env(safe-area-inset-bottom));
  border-top: 1px solid var(--line);
  display: grid; gap: 8px;
}

body.no-scroll { overflow: hidden; }

/* ---------- Hero Sections ---------- */
.hero {
  position: relative;
  padding: clamp(40px, 5.5vw, 72px) 0 clamp(48px, 6.5vw, 84px);
  background: var(--bg);
}
.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(0, 0.92fr);
  gap: clamp(36px, 5vw, 68px);
  align-items: center;
}
.hero__content {
  display: grid;
  gap: 22px;
  justify-items: start;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 4px; }
.hero__facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 12px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
  width: 100%;
}
.hero__fact {
  border-right: 1px solid var(--line-soft);
  padding-right: 16px;
}
.hero__fact:last-child { border-right: 0; padding-right: 0; }
.hero__fact strong {
  display: block;
  font-size: clamp(1.25rem, 1.8vw, 1.5rem);
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.025em;
  line-height: 1.2;
  font-variant-numeric: tabular-nums;
}
.hero__fact span { font-size: 0.82rem; color: var(--muted); display: block; margin-top: 3px; }

.hero__products {
  margin-top: 8px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  width: 100%;
  display: grid;
  gap: 10px;
}
.hero__products-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}
.hero__products-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}
.hero__product-link {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 8px;
  padding: 10px 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  transition: border-color 0.15s, background-color 0.15s;
}
.hero__product-link:hover {
  border-color: var(--navy-700);
  background: var(--bg-cool);
}
.hero__product-link strong {
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--ink);
  white-space: nowrap;
}
.hero__product-link span {
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--navy-700);
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

.hero__media, .loan-hero__media { position: relative; }
.hero__frame, .loan-hero__frame, .media {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  background: var(--navy-950);
  box-shadow: var(--sh-2);
}
.hero__img-wrap {
  background: #ede9e0;
  overflow: hidden;
}
.hero__frame img, .loan-hero__frame img, .media img {
  width: 100%;
  height: auto;
  display: block;
}
.media--tall img {
  width: 100%;
  height: auto;
  display: block;
}

.hero__caption {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 15px 20px;
  background: var(--navy-900);
  color: #fff;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.hero__caption strong {
  display: block;
  font-size: 0.86rem;
  color: #fff;
  font-weight: 600;
}
.hero__caption span {
  display: block;
  font-size: 0.77rem;
  color: rgba(255, 255, 255, 0.68);
  margin-top: 2px;
}
.hero__caption-tag {
  flex-shrink: 0;
  padding: 4px 10px;
  border-radius: var(--r-xs);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.16);
  color: #fff !important;
  font-size: 0.74rem !important;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}
.hero__assurance-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  background: var(--navy-950);
  border-top: 1px solid rgba(255, 255, 255, 0.09);
}
.hero__assurance-strip > div {
  padding: 12px 16px;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
}
.hero__assurance-strip > div:last-child { border-right: 0; }
.hero__assurance-strip strong {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  color: #fff;
  font-variant-numeric: tabular-nums;
}
.hero__assurance-strip span {
  display: block;
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.58);
  margin-top: 1px;
}

/* Inner Page Hero */
.page-hero {
  padding: clamp(36px, 5vw, 60px) 0;
  background: var(--bg-soft);
  border-bottom: 1px solid var(--line);
}
.page-hero__inner {
  display: grid;
  gap: 14px;
  max-width: 760px;
}
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  color: var(--muted);
  font-weight: 500;
  margin-bottom: 4px;
}
.breadcrumb a:hover { color: var(--ink); text-decoration: underline; }
.breadcrumb .icon { width: 13px; height: 13px; color: var(--subtle); }
.breadcrumb [aria-current] { color: var(--ink); font-weight: 600; }

/* Loan Product Hero */
.loan-hero {
  padding: clamp(36px, 5vw, 64px) 0 clamp(48px, 6vw, 76px);
  background: var(--bg-soft);
  border-bottom: 1px solid var(--line);
}
.loan-hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: clamp(32px, 5vw, 64px);
  align-items: start;
}
.loan-hero__content { display: grid; gap: 20px; justify-items: start; }

.key-facts {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  width: 100%;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
}
.key-fact {
  padding: 14px 16px;
  border-right: 1px solid var(--line-soft);
}
.key-fact:last-child { border-right: 0; }
.key-fact span {
  display: block;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  color: var(--subtle);
  margin-bottom: 3px;
}
.key-fact strong {
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.015em;
  font-variant-numeric: tabular-nums;
}

/* ---------- Product Spec Sheet (Replaces Fake Floating UI Stage) ---------- */
.spec-sheet {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
  overflow: hidden;
}
.spec-sheet__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  padding: 20px 24px;
  background: var(--navy-900);
  color: #fff;
}
.spec-sheet__kicker {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 3px;
}
.spec-sheet__title {
  color: #fff;
  font-size: 1.18rem;
  font-weight: 700;
}
.spec-sheet__badge {
  display: inline-block;
  padding: 4px 9px;
  border-radius: var(--r-xs);
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #fff;
  font-size: 0.72rem;
  font-weight: 600;
  white-space: nowrap;
}
.card--form .spec-sheet__badge {
  background: var(--green-50);
  border-color: var(--green-100);
  color: var(--green-600);
}
.spec-sheet__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-bottom: 1px solid var(--line);
}
.spec-sheet__grid > div {
  padding: 15px 24px;
  border-right: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
}
.spec-sheet__grid > div:nth-child(2n) { border-right: 0; }
.spec-sheet__grid > div:nth-last-child(-n+2) { border-bottom: 0; }
.spec-sheet__grid dt {
  font-size: 0.74rem;
  color: var(--muted);
  font-weight: 600;
  margin-bottom: 2px;
}
.spec-sheet__grid dd {
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.spec-sheet__example {
  padding: 18px 24px;
  background: var(--bg-cool);
}
.spec-sheet__example-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 12px;
}
.spec-sheet__example-head span {
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy-800);
}
.spec-sheet__example-head small {
  font-size: 0.78rem;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
}
.spec-sheet__example-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  padding: 12px 14px;
}
.spec-sheet__example-row span {
  display: block;
  font-size: 0.72rem;
  color: var(--muted);
}
.spec-sheet__example-row strong {
  display: block;
  font-size: 0.96rem;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  margin-top: 2px;
}
.spec-sheet__foot {
  padding: 12px 24px;
  background: #fff;
  border-top: 1px solid var(--line-soft);
  font-size: 0.78rem;
  color: var(--muted);
}
.spec-sheet__foot span {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.spec-sheet__foot .icon { color: var(--green-600); }

/* ---------- Institutional Benchmark Strip ---------- */
.stats-bar {
  background: var(--bg-cool);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.stats {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}
.stat {
  padding: 24px 28px;
  border-right: 1px solid var(--line);
}
.stat:first-child { padding-left: 0; }
.stat:last-child { border-right: 0; padding-right: 0; }
.stat__value {
  display: block;
  font-size: clamp(1.65rem, 2.4vw, 2.1rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--navy-900);
  line-height: 1.15;
  font-variant-numeric: tabular-nums;
}
.stat__label {
  display: block;
  margin-top: 4px;
  font-size: 0.84rem;
  color: var(--muted);
  font-weight: 500;
}

/* ---------- Architectural Hairline Grids & Ledger Cards ---------- */
.hairline-grid {
  display: grid;
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: #fff;
  overflow: hidden;
}
.hairline-grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.hairline-grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.hairline-cell {
  padding: 24px;
  border-right: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
  display: grid;
  gap: 10px;
  align-content: start;
}
.hairline-grid--2 .hairline-cell:nth-child(2n) { border-right: 0; }
.hairline-grid--2 .hairline-cell:nth-last-child(-n+2) { border-bottom: 0; }
.hairline-grid--4 .hairline-cell { border-bottom: 0; }
.hairline-grid--4 .hairline-cell:last-child { border-right: 0; }

.hairline-cell__head {
  display: flex;
  align-items: center;
  gap: 10px;
}
.hairline-cell__head .icon {
  width: 20px;
  height: 20px;
  color: var(--navy-700);
}
.hairline-cell h3 { font-size: 1.02rem; font-weight: 700; color: var(--ink); }
.hairline-cell p { font-size: 0.89rem; color: var(--muted); line-height: 1.6; }

.cell-num {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--orange-600);
  letter-spacing: 0.04em;
}

/* Ledger Card */
.ledger-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
  overflow: hidden;
}
.ledger-card__head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 20px 24px;
  background: var(--bg-cool);
  border-bottom: 1px solid var(--line);
}
.ledger-card__kicker {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-700);
  margin-bottom: 2px;
}
.ledger-card__head h3 { font-size: 1.08rem; }
.ledger-card__tag {
  font-size: 0.72rem;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: var(--r-xs);
  background: #fff;
  border: 1px solid var(--line);
  color: var(--muted);
}
.ledger-card__list {
  padding: 6px 24px;
}
.ledger-card__list > div {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 0.89rem;
}
.ledger-card__list > div:last-child { border-bottom: 0; }
.ledger-card__list dt { color: var(--muted); font-weight: 500; }
.ledger-card__list dd {
  color: var(--ink);
  font-weight: 600;
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.ledger-card__foot {
  padding: 16px 24px;
  background: var(--bg-soft);
  border-top: 1px solid var(--line);
  display: grid;
  gap: 8px;
}
.ledger-card__foot p { font-size: 0.82rem; color: var(--muted); }

/* Uses Panel (Loan Product Pages) */
.uses-panel {
  margin-top: 24px;
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 32px;
  align-items: center;
  padding: 24px 28px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--r);
}
.uses-panel__intro { display: grid; gap: 6px; }
.uses-panel__intro h3 { font-size: 1.12rem; }
.uses-panel__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}
.use-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
}
.use-item .icon { width: 17px; height: 17px; color: var(--navy-700); }

/* Panel Split & Matrix Box */
.panel-split {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: clamp(28px, 4vw, 56px);
  align-items: center;
  padding: clamp(28px, 4vw, 44px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.matrix-box {
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
  background: #fff;
}
.matrix-box__head {
  padding: 14px 18px;
  background: var(--navy-900);
  color: #fff;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 8px;
}
.matrix-box__head strong { font-size: 0.92rem; }
.matrix-box__head span { font-size: 0.75rem; color: rgba(255, 255, 255, 0.68); }
.matrix-table th, .matrix-table td {
  padding: 11px 14px;
  text-align: left;
  font-size: 0.84rem;
  border-bottom: 1px solid var(--line-soft);
  font-variant-numeric: tabular-nums;
}
.matrix-table th {
  background: var(--bg-cool);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  font-weight: 700;
}
.matrix-table tr:last-child td { border-bottom: 0; }
.matrix-box__foot {
  padding: 10px 14px;
  background: var(--bg-soft);
  border-top: 1px solid var(--line-soft);
  font-size: 0.76rem;
  color: var(--muted);
}

/* ---------- Standard Cards & Product Cards ---------- */
.card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: clamp(22px, 2.5vw, 28px);
}
.card--flat { background: var(--bg-soft); }
.card__header-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 12px;
}
.card__header-row > .icon { width: 20px; height: 20px; color: var(--navy-700); flex-shrink: 0; }
.card h3 { font-size: 1.08rem; margin-bottom: 6px; }
.card p { color: var(--muted); font-size: 0.92rem; }

/* Minimal Executive Loan Product Card */
.loan-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 20px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}
.loan-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--navy-800);
  opacity: 0;
  transition: opacity 0.2s ease;
}
.loan-card:hover {
  border-color: var(--navy-700);
  box-shadow: var(--sh-2);
  transform: translateY(-2px);
}
.loan-card:hover::before { opacity: 1; }

.loan-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.loan-card__icon {
  width: 38px;
  height: 38px;
  border-radius: var(--r-sm);
  background: var(--bg-cool);
  border: 1px solid var(--line);
  color: var(--navy-800);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: background-color 0.2s, border-color 0.2s, color 0.2s;
}
.loan-card:hover .loan-card__icon {
  background: var(--navy-800);
  border-color: var(--navy-800);
  color: #fff;
}
.loan-card__rate-pill {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--navy-800);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  padding: 4px 10px;
  border-radius: var(--r-xs);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.loan-card__body {
  display: grid;
  gap: 8px;
  flex: 1;
}
.loan-card h3 {
  font-size: 1.16rem;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.loan-card p {
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.58;
}

.loan-card__metrics {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  padding: 14px 0;
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
}
.loan-card__metrics > div {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.loan-card__metrics > div:first-child {
  border-right: 1px solid var(--line-soft);
  padding-right: 10px;
}
.loan-card__metric-label {
  font-size: 0.69rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
}
.loan-card__metrics strong {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.loan-card__foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-800);
}
.loan-card__arrow {
  width: 28px;
  height: 28px;
  border-radius: var(--r-xs);
  border: 1px solid var(--line);
  background: var(--bg-soft);
  display: grid;
  place-items: center;
  color: var(--ink);
  transition: background-color 0.2s, border-color 0.2s, color 0.2s, transform 0.2s;
}
.loan-card:hover .loan-card__foot { color: var(--ink); }
.loan-card:hover .loan-card__arrow {
  background: var(--navy-800);
  border-color: var(--navy-800);
  color: #fff;
  transform: translateX(2px);
}

/* ---------- The Shreeyansh Standard (Redesigned Section) ---------- */
.standard-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.22fr) minmax(0, 0.78fr);
  gap: 24px;
  align-items: stretch;
}
.standard-pillars {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.standard-card {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 16px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.standard-card:hover {
  border-color: var(--navy-700);
  box-shadow: var(--sh-1);
}
.standard-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line-soft);
}
.standard-card__num {
  font-family: var(--font-mono);
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--orange-600);
  background: var(--orange-50);
  border: 1px solid var(--orange-100);
  padding: 3px 8px;
  border-radius: var(--r-xs);
}
.standard-card__badge {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--muted);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  padding: 3px 9px;
  border-radius: var(--r-xs);
}
.standard-card__body {
  display: grid;
  gap: 10px;
}
.standard-card__title-row {
  display: flex;
  align-items: center;
  gap: 10px;
}
.standard-card__icon {
  width: 32px;
  height: 32px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.standard-card__icon .icon { width: 16px; height: 16px; }
.standard-card h3 { font-size: 1.06rem; color: var(--ink); }
.standard-card p { font-size: 0.88rem; color: var(--muted); line-height: 1.6; }

/* Dark Navy Borrower Protection Charter */
.charter-panel {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: var(--navy-900);
  color: #fff;
  border: 1px solid var(--navy-800);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--sh-2);
}
.charter-panel__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  padding: 22px 24px 18px;
  background: var(--navy-950);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.charter-panel__kicker {
  display: block;
  font-size: 0.69rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--orange-500);
  margin-bottom: 4px;
}
.charter-panel__head h3 {
  color: #fff;
  font-size: 1.08rem;
}
.charter-panel__badge {
  flex-shrink: 0;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: var(--r-xs);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: rgba(255, 255, 255, 0.9);
}
.charter-panel__list {
  padding: 8px 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.charter-panel__list > div {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 14px;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.86rem;
}
.charter-panel__list > div:last-child { border-bottom: 0; }
.charter-panel__list dt { color: rgba(255, 255, 255, 0.65); font-weight: 500; }
.charter-panel__list dd {
  color: #fff;
  font-weight: 600;
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.charter-panel__foot {
  padding: 18px 24px 22px;
  background: rgba(12, 16, 36, 0.55);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: grid;
  gap: 14px;
}
.charter-panel__note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.78rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.72);
}
.charter-panel__note .icon {
  color: var(--orange-500);
  width: 16px;
  height: 16px;
  margin-top: 2px;
  flex-shrink: 0;
}

/* Check & Numbered Lists */
.check-list { display: grid; gap: 11px; }
.check-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: var(--text);
  font-size: 0.92rem;
}
.check-list li::before {
  content: "";
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 3px;
  border-radius: var(--r-xs);
  background: var(--navy-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231b224b' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 11px no-repeat;
  border: 1px solid var(--navy-100);
}

.num-list { counter-reset: n; display: grid; gap: 12px; }
.num-list li {
  counter-increment: n;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.92rem;
}
.num-list li::before {
  content: counter(n, decimal-leading-zero);
  flex-shrink: 0;
  min-width: 28px;
  height: 24px;
  border-radius: var(--r-xs);
  display: grid;
  place-items: center;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 700;
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
  margin-top: 1px;
}

/* ---------- Process Steps & Timeline ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: #fff;
  overflow: hidden;
}
.steps--5 {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}
.step {
  padding: 24px;
  border-right: 1px solid var(--line-soft);
  display: grid;
  gap: 10px;
  align-content: start;
}
.step:last-child { border-right: 0; }
.step__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.step__num {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 3px 8px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  color: var(--navy-800);
  border: 1px solid var(--navy-100);
}
.step h3 { font-size: 1.04rem; margin-top: 4px; }
.step p { color: var(--muted); font-size: 0.89rem; line-height: 1.58; }

/* ==========================================================================
   Redesigned How It Works (.flow-section)
   Clean 5-step connected fintech pipeline, animated rail & micro-badges
   ========================================================================== */
.flow-section {
  position: relative;
  background: linear-gradient(180deg, #f8fafc 0%, #ffffff 45%, #f4f7fb 100%);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding-block: clamp(60px, 7vw, 92px);
  overflow: hidden;
}

.flow-section::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
  max-width: 1240px;
  height: 280px;
  background: radial-gradient(ellipse 70% 50% at 50% 0%, rgba(209, 84, 15, 0.05) 0%, rgba(27, 34, 75, 0.03) 50%, transparent 80%);
  pointer-events: none;
}

.flow-section__head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-end;
  gap: 24px;
  margin-bottom: 36px;
}

.flow-section__titles {
  flex: 1 1 540px;
  max-width: 740px;
}

.flow-section__title {
  font-size: clamp(1.85rem, 3.2vw, 2.45rem);
  color: var(--navy-950);
  margin: 10px 0 12px;
  line-height: 1.22;
  letter-spacing: -0.015em;
}

.flow-section__lead {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}

.flow-metrics {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.flow-metric-pill {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 10px 16px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  box-shadow: var(--sh-1);
}

.flow-metric-pill__icon {
  width: 36px;
  height: 36px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
}

.flow-metric-pill strong {
  display: block;
  font-size: 0.94rem;
  color: var(--navy-950);
  line-height: 1.25;
}

.flow-metric-pill small {
  display: block;
  font-size: 0.77rem;
  color: var(--muted);
}

/* Connected Flow Rail Track */
.flow-rail {
  position: relative;
  margin-top: 10px;
}

.flow-rail__track-line {
  position: absolute;
  top: 40px;
  left: calc(10% - 10px);
  right: calc(10% - 10px);
  height: 2px;
  background: linear-gradient(90deg, 
    rgba(209, 84, 15, 0.3) 0%, 
    rgba(56, 69, 140, 0.35) 40%, 
    rgba(56, 69, 140, 0.35) 70%, 
    rgba(31, 122, 66, 0.45) 100%
  );
  z-index: 1;
  pointer-events: none;
}

.flow-rail__track-progress {
  display: block;
  height: 100%;
  width: 100%;
  background: linear-gradient(90deg, 
    transparent 0%, 
    rgba(209, 84, 15, 0.85) 50%, 
    transparent 100%
  );
  background-size: 200% 100%;
  animation: flowLinePulse 3.5s cubic-bezier(0.4, 0, 0.6, 1) infinite;
}

@keyframes flowLinePulse {
  0% { background-position: 200% 0; }
  100% { background-position: -200% 0; }
}

.flow-cards-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 16px;
}

/* Individual Step Card */
.flow-card {
  position: relative;
  background: #ffffff;
  border: 1px solid rgba(27, 34, 75, 0.1);
  border-radius: var(--r-xl);
  padding: 24px 20px 20px;
  display: flex;
  flex-direction: column;
  gap: 13px;
  box-shadow: 0 4px 14px rgba(17, 21, 38, 0.04), 0 1px 2px rgba(17, 21, 38, 0.03);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), 
              box-shadow 0.3s cubic-bezier(0.16, 1, 0.3, 1), 
              border-color 0.3s ease;
  cursor: default;
}

.flow-card:hover {
  transform: translateY(-7px);
  border-color: rgba(209, 84, 15, 0.38);
  box-shadow: 0 16px 32px -8px rgba(17, 25, 60, 0.12), 0 3px 10px rgba(17, 21, 38, 0.04);
}

.flow-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
}

.flow-card__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  font-family: var(--font-mono);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy-900);
  background: var(--navy-50);
  border: 1.5px solid var(--navy-100);
  box-shadow: 0 0 0 4px #ffffff;
  transition: all 0.3s ease;
}

.flow-card:hover .flow-card__num {
  background: var(--navy-900);
  color: #ffffff;
  border-color: var(--navy-900);
  transform: scale(1.05);
}

.flow-card__time {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--navy-800);
  background: var(--navy-50);
  padding: 3px 8px;
  border-radius: var(--r-xs);
  border: 1px solid var(--navy-100);
}

.flow-card__time .icon {
  width: 12px;
  height: 12px;
  color: var(--orange-600);
}

.flow-card__icon-wrap {
  width: 46px;
  height: 46px;
  border-radius: var(--r);
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy-50);
  color: var(--navy-800);
  border: 1px solid var(--navy-100);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.flow-card:hover .flow-card__icon-wrap {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: #ffffff;
  transform: scale(1.08) rotate(-2deg);
  border-color: var(--navy-800);
  box-shadow: 0 6px 16px rgba(27, 34, 75, 0.2);
}

.flow-card__icon-wrap .icon {
  width: 22px;
  height: 22px;
}

.flow-card__title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy-950);
  margin: 0;
  line-height: 1.3;
}

.flow-card__desc {
  font-size: 0.855rem;
  color: var(--muted);
  line-height: 1.55;
  margin: 0;
  flex-grow: 1;
}

.flow-card__badge {
  margin-top: 4px;
  padding-top: 12px;
  border-top: 1px solid var(--line-soft);
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--green-600);
}

.flow-card__badge .icon {
  width: 13px;
  height: 13px;
  stroke-width: 2.2;
}

/* Step 5 Accent Glow */
.flow-card--final {
  border-color: rgba(31, 122, 66, 0.25);
  background: linear-gradient(180deg, #ffffff 0%, #f6fbf8 100%);
}

.flow-card--final:hover {
  border-color: var(--green-500);
  box-shadow: 0 16px 32px -8px rgba(31, 122, 66, 0.16), 0 3px 10px rgba(17, 21, 38, 0.04);
}

.flow-card--final .flow-card__num {
  background: var(--green-50);
  border-color: var(--green-100);
  color: var(--green-600);
}

.flow-card--final:hover .flow-card__num {
  background: var(--green-600);
  color: #ffffff;
  border-color: var(--green-600);
}

.flow-card--final:hover .flow-card__icon-wrap {
  background: linear-gradient(135deg, var(--green-600) 0%, var(--green-500) 100%);
  border-color: var(--green-600);
  box-shadow: 0 6px 16px rgba(31, 122, 66, 0.25);
}

/* Interactive passed state when hovering a later step */
.flow-card.is-passed:not(:hover) {
  border-color: rgba(209, 84, 15, 0.28);
}
.flow-card.is-passed:not(:hover) .flow-card__num {
  background: var(--navy-800);
  color: #ffffff;
  border-color: var(--navy-800);
}

/* Bottom Summary & Actions Strip */
.flow-summary-bar {
  margin-top: 26px;
  padding: 16px 24px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  box-shadow: var(--sh-1);
}

.flow-summary-bar__highlights {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px clamp(16px, 2.5vw, 28px);
}

.flow-summary-bar__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-900);
}

.flow-summary-bar__item .icon {
  width: 16px;
  height: 16px;
  color: var(--green-600);
  flex-shrink: 0;
}

.flow-summary-bar__actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Responsive Breakpoints for Flow Section */
@media (max-width: 1120px) {
  .flow-cards-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
  }
  .flow-rail__track-line {
    display: none;
  }
}

@media (max-width: 768px) {
  .flow-section__head {
    margin-bottom: 24px;
  }
  .flow-cards-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .flow-summary-bar {
    flex-direction: column;
    align-items: stretch;
    padding: 18px 20px;
  }
  .flow-summary-bar__highlights {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
  .flow-summary-bar__actions {
    flex-direction: column;
    gap: 10px;
  }
  .flow-summary-bar__actions .btn {
    width: 100%;
    justify-content: center;
  }
}

/* Timeline (How it works page) */
.process-intro { position: sticky; top: calc(var(--header-h) + 24px); }
.timeline {
  position: relative;
  display: grid;
  gap: 16px;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 21px;
  top: 24px;
  bottom: 24px;
  width: 1px;
  background: var(--line);
}
.timeline__item {
  position: relative;
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 20px;
  align-items: start;
}
.timeline__marker {
  position: relative;
  z-index: 1;
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  background: var(--navy-800);
  color: #fff;
  font-family: var(--font-mono);
  font-size: 0.82rem;
  font-weight: 700;
  box-shadow: 0 0 0 4px var(--bg);
}
.timeline__card {
  display: grid;
  gap: 10px;
  padding: 22px 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
}
.timeline__head {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 8px;
}
.timeline__head h3 { font-size: 1.08rem; }
.timeline__step {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--muted);
  background: var(--bg-cool);
  padding: 2px 8px;
  border-radius: var(--r-xs);
}
.timeline__card p { color: var(--muted); font-size: 0.91rem; }
.timeline__checks {
  display: grid;
  gap: 6px;
  margin-top: 4px;
  padding-top: 12px;
  border-top: 1px solid var(--line-soft);
}
.timeline__checks li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--text);
}
.timeline__checks .icon { color: var(--green-600); width: 15px; height: 15px; }

/* ---------- FAQ Accordion & Side Box ---------- */
.faq { display: grid; gap: 10px; }
.faq__item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
}
.faq__item[open] {
  border-color: var(--navy-700);
  box-shadow: var(--sh-1);
}
.faq__q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 20px;
  cursor: pointer;
  list-style: none;
  font-weight: 600;
  color: var(--ink);
  font-size: 0.96rem;
}
.faq__q::-webkit-details-marker { display: none; }
.faq__icon {
  position: relative;
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: var(--r-xs);
  background: var(--bg-cool);
  border: 1px solid var(--line);
}
.faq__icon::before, .faq__icon::after {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  width: 10px;
  height: 1.5px;
  margin: -0.75px 0 0 -5px;
  background: var(--ink);
  transition: transform 0.2s var(--ease);
}
.faq__icon::after { transform: rotate(90deg); }
.faq__item[open] .faq__icon { background: var(--navy-800); border-color: var(--navy-800); }
.faq__item[open] .faq__icon::before, .faq__item[open] .faq__icon::after { background: #fff; }
.faq__item[open] .faq__icon::after { transform: rotate(0deg); }
.faq__a {
  padding: 0 20px 18px;
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.65;
  max-width: 68ch;
}

.faq-side-box {
  padding: 20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  display: grid;
  gap: 8px;
}
.faq-side-box strong { color: var(--ink); font-size: 0.96rem; }

/* ---------- Testimonials & Testimonial Slider ---------- */
.icon--flip { transform: scaleX(-1); }
.testimonial { display: flex; flex-direction: column; gap: 16px; height: 100%; }
.stars { display: flex; gap: 2px; color: var(--orange-500); }
.stars .icon { width: 15px; height: 15px; fill: currentColor; stroke: none; }
.testimonial blockquote {
  margin: 0;
  color: var(--text);
  font-size: 0.94rem;
  line-height: 1.65;
  flex: 1;
}
.testimonial footer {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 14px;
  border-top: 1px solid var(--line-soft);
}
.avatar {
  width: 38px;
  height: 38px;
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 0.86rem;
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
  flex-shrink: 0;
}
.testimonial footer strong { display: block; color: var(--ink); font-size: 0.9rem; }
.testimonial footer small { color: var(--muted); font-size: 0.8rem; }

/* Testimonial Slider */
.t-slider {
  --slides-per-view: 3;
  --slide-gap: 20px;
  position: relative;
}
.t-slider__controls {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  padding: 5px 6px;
}
.t-slider__btn {
  width: 36px;
  height: 36px;
  border-radius: var(--r-xs);
  border: 1px solid var(--line);
  background: var(--bg-soft);
  color: var(--ink);
  display: grid;
  place-items: center;
  transition: background-color 0.15s, border-color 0.15s, color 0.15s;
}
.t-slider__btn:hover:not(:disabled) {
  background: var(--navy-800);
  border-color: var(--navy-800);
  color: #fff;
}
.t-slider__btn:disabled {
  opacity: 0.4;
  cursor: not-allowed;
}
.t-slider__btn .icon { width: 16px; height: 16px; }
.t-slider__status {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy-900);
  padding: 0 8px;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.t-slider__viewport {
  overflow: hidden;
  margin: 0 -2px;
  padding: 2px;
}
.t-slider__track {
  position: relative;
  display: flex;
  gap: var(--slide-gap);
  transition: transform 0.42s var(--ease);
  will-change: transform;
}
.t-slide {
  flex: 0 0 calc((100% - (var(--slides-per-view) - 1) * var(--slide-gap)) / var(--slides-per-view));
  min-width: 0;
  display: flex;
}
.t-card {
  width: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 18px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.t-card:hover {
  border-color: var(--navy-700);
  box-shadow: var(--sh-1);
}
.t-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line-soft);
}
.t-card__badge {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--navy-800);
  background: var(--bg-cool);
  border: 1px solid var(--line);
  padding: 3px 9px;
  border-radius: var(--r-xs);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.t-card__quote {
  margin: 0;
  color: var(--text);
  font-size: 0.92rem;
  line-height: 1.65;
  flex: 1;
}
.t-card__foot {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 14px;
  border-top: 1px solid var(--line-soft);
}
.t-card__author { flex: 1; min-width: 0; }
.t-card__author strong {
  display: block;
  color: var(--ink);
  font-size: 0.9rem;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.t-card__author small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.t-card__verified {
  color: var(--green-600);
  flex-shrink: 0;
  display: grid;
  place-items: center;
}
.t-card__verified .icon { width: 17px; height: 17px; }

.t-slider__bar {
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.t-slider__dots {
  display: flex;
  align-items: center;
  gap: 8px;
}
.t-slider__dot {
  width: 24px;
  height: 6px;
  border-radius: 3px;
  background: var(--line);
  border: 0;
  padding: 0;
  transition: width 0.25s var(--ease), background-color 0.2s;
}
.t-slider__dot:hover { background: var(--subtle); }
.t-slider__dot[aria-selected="true"] {
  width: 40px;
  background: var(--navy-800);
}
.t-slider__summary {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 8px;
  font-size: 0.82rem;
}
.t-slider__summary strong {
  color: var(--ink);
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.t-slider__summary span { color: var(--muted); }

/* ---------- CTA Band ---------- */
.cta-band {
  padding: clamp(32px, 4.5vw, 52px);
  border-radius: var(--r-lg);
  background: var(--navy-900);
  border: 1px solid var(--navy-800);
  color: #fff;
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) auto;
  align-items: center;
  gap: 28px;
}
.cta-band h2 { color: #fff; font-size: clamp(1.45rem, 2.2vw, 1.9rem); }
.cta-band p { color: rgba(255, 255, 255, 0.74); margin-top: 8px; max-width: 56ch; font-size: 0.95rem; }

/* ---------- Forms & Inputs ---------- */
.field { display: grid; gap: 6px; }
.field > label, .field__label {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--ink);
}
.field__hint { font-size: 0.78rem; color: var(--muted); }
.input, .select, .textarea {
  width: 100%;
  min-height: 44px;
  padding: 10px 14px;
  border-radius: var(--r-sm);
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  font-size: 0.93rem;
  font-weight: 500;
  transition: border-color 0.15s, box-shadow 0.15s;
  -webkit-appearance: none;
  appearance: none;
}
.textarea { min-height: 104px; resize: vertical; }
.select {
  padding-right: 40px;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235a6376' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right 12px center / 16px no-repeat;
  cursor: pointer;
}
.input:hover, .select:hover, .textarea:hover { border-color: #b8c0d4; }
.input:focus, .select:focus, .textarea:focus {
  outline: none;
  border-color: var(--navy-800);
  box-shadow: var(--ring);
}
.input::placeholder, .textarea::placeholder { color: var(--subtle); font-weight: 400; }
.field.has-error .input, .field.has-error .select, .field.has-error .textarea { border-color: var(--danger); }
.field__error { font-size: 0.78rem; color: var(--danger); font-weight: 500; }

.input-group { position: relative; display: flex; align-items: center; }
.input-group__affix {
  position: absolute;
  left: 14px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--muted);
  pointer-events: none;
}
.input-group .input { padding-left: 44px; }

.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.form-grid .span-2 { grid-column: 1 / -1; }

.checkbox {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.84rem;
  color: var(--muted);
  cursor: pointer;
  line-height: 1.55;
}
.checkbox input {
  flex-shrink: 0;
  width: 17px;
  height: 17px;
  margin-top: 2px;
  accent-color: var(--navy-800);
  cursor: pointer;
}
.checkbox a { color: var(--navy-800); font-weight: 600; text-decoration: underline; }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.alert {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 14px 16px;
  border-radius: var(--r-sm);
  font-size: 0.9rem;
}
.alert--success { background: var(--green-50); color: var(--green-600); border: 1px solid var(--green-100); }
.alert--error { background: #fef2f2; color: var(--danger); border: 1px solid #fecaca; }
.alert strong { display: block; margin-bottom: 2px; }

/* Segmented Control */
.seg {
  display: inline-flex;
  padding: 3px;
  border-radius: var(--r-sm);
  background: var(--bg-cool);
  border: 1px solid var(--line);
}
.seg button {
  padding: 5px 12px;
  border-radius: var(--r-xs);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--muted);
  transition: background-color 0.15s, color 0.15s;
}
.seg button[aria-pressed="true"] {
  background: #fff;
  color: var(--ink);
  box-shadow: var(--sh-1);
}

/* Option Cards (Radio) */
.option-grid, .cibil-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
}
.option { position: relative; cursor: pointer; }
.option input { position: absolute; opacity: 0; pointer-events: none; }
.option__box {
  display: grid;
  gap: 8px;
  justify-items: start;
  height: 100%;
  padding: 14px;
  border-radius: var(--r-sm);
  border: 1px solid var(--line);
  background: #fff;
  transition: border-color 0.15s, background-color 0.15s;
}
.option__box--compact {
  padding: 12px;
  text-align: center;
  justify-items: center;
  gap: 2px;
}
.option__box strong { font-size: 0.88rem; color: var(--ink); line-height: 1.25; }
.option__box--compact strong { font-size: 0.95rem; font-variant-numeric: tabular-nums; }
.option__box small { font-size: 0.75rem; color: var(--muted); }
.option:hover .option__box { border-color: #b8c0d4; }
.option input:checked + .option__box {
  border-color: var(--navy-800);
  background: var(--navy-50);
  box-shadow: inset 0 0 0 1px var(--navy-800);
}
.option input:checked + .option__box .icon-badge {
  background: var(--navy-800);
  border-color: var(--navy-800);
  color: #fff;
}
.option input:focus-visible + .option__box { box-shadow: var(--ring); }

/* Range Slider */
.range {
  --p: 50%;
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 999px;
  margin: 10px 0 4px;
  background: linear-gradient(90deg, var(--navy-800) 0 var(--p), var(--line) var(--p) 100%);
  cursor: pointer;
  outline: none;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--navy-800);
  box-shadow: 0 2px 6px rgba(17, 21, 38, 0.25);
}
.range::-moz-range-thumb {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--navy-800);
  box-shadow: 0 2px 6px rgba(17, 21, 38, 0.25);
}
.range:focus-visible { box-shadow: var(--ring); }
.range-scale {
  display: flex;
  justify-content: space-between;
  font-size: 0.74rem;
  color: var(--subtle);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}

/* ---------- Interactive EMI Calculator ---------- */
.calc {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
  overflow: hidden;
}
.calc__inputs {
  padding: clamp(24px, 3.5vw, 36px);
  display: grid;
  gap: 26px;
  align-content: start;
}
.calc__field { display: grid; gap: 6px; }
.calc__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.calc__head label { font-weight: 600; color: var(--ink); font-size: 0.9rem; }
.calc__tenure-controls { display: flex; gap: 8px; align-items: center; flex-wrap: wrap; }

.value-box {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  min-width: 140px;
  padding: 6px 12px;
  border-radius: var(--r-sm);
  background: #fff;
  border: 1px solid var(--line);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.value-box--sm { min-width: 100px; }
.value-box:focus-within {
  border-color: var(--navy-800);
  box-shadow: var(--ring);
}
.value-box span {
  font-weight: 600;
  color: var(--muted);
  font-size: 0.88rem;
}
.value-box input {
  width: 100%;
  min-width: 0;
  border: 0;
  background: transparent;
  outline: none;
  text-align: right;
  font-weight: 700;
  font-size: 0.98rem;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  -moz-appearance: textfield;
}
.value-box input::-webkit-outer-spin-button,
.value-box input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.calc__presets { display: flex; flex-wrap: wrap; gap: 8px; }
.preset {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 13px;
  border-radius: var(--r-sm);
  border: 1px solid var(--line);
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text);
  background: #fff;
  transition: all 0.15s ease;
}
.preset .icon { width: 15px; height: 15px; color: var(--navy-700); }
.preset:hover { border-color: var(--navy-700); background: var(--navy-50); }
.preset[aria-pressed="true"] {
  background: var(--navy-800);
  border-color: var(--navy-800);
  color: #fff;
}
.preset[aria-pressed="true"] .icon { color: #fff; }

.calc__result {
  padding: clamp(24px, 3.5vw, 36px);
  background: var(--navy-900);
  color: #fff;
  display: grid;
  gap: 22px;
  align-content: start;
  border-left: 1px solid var(--navy-800);
}
.calc__result-top {
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.calc__emi-label {
  font-size: 0.74rem;
  color: rgba(255, 255, 255, 0.65);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.calc__emi {
  font-size: clamp(2rem, 3.6vw, 2.75rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.08;
  font-variant-numeric: tabular-nums;
}
.calc__emi small {
  font-size: 0.38em;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 0;
  margin-left: 4px;
}
.calc__viz { display: flex; align-items: center; gap: 20px; }
.donut { width: 116px; height: 116px; flex-shrink: 0; transform: rotate(-90deg); }
.donut circle { fill: none; stroke-width: 14; }
.donut .donut__track { stroke: var(--orange-500); }
.donut .donut__value { stroke: #fff; stroke-linecap: butt; transition: stroke-dasharray 0.4s var(--ease); }
.legend { display: grid; gap: 12px; flex: 1; }
.legend__item {
  display: grid;
  grid-template-columns: 10px 1fr;
  gap: 2px 10px;
  align-items: center;
}
.legend__item i { width: 10px; height: 10px; border-radius: 2px; background: #fff; }
.legend__item:nth-child(2) i { background: var(--orange-500); }
.legend__item span { font-size: 0.78rem; color: rgba(255, 255, 255, 0.65); }
.legend__item strong { grid-column: 2; font-size: 1rem; font-variant-numeric: tabular-nums; }
.calc__total {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.calc__total span { color: rgba(255, 255, 255, 0.7); font-size: 0.86rem; }
.calc__total strong { font-size: 1.18rem; font-variant-numeric: tabular-nums; }
.calc__note { font-size: 0.75rem; color: rgba(255, 255, 255, 0.52); line-height: 1.5; }

/* Schedule & Master Charges Tables */
.schedule {
  margin-top: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.schedule__head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 24px;
  border-bottom: 1px solid var(--line);
  background: var(--bg-soft);
}
.schedule__head h3 { font-size: 1.08rem; }
.schedule__actions { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.schedule .table-wrap { max-height: 480px; overflow-y: auto; }
.table th, .table td {
  padding: 12px 18px;
  text-align: right;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
  border-bottom: 1px solid var(--line-soft);
  font-size: 0.88rem;
}
.table th:first-child, .table td:first-child { text-align: left; }
.table thead th {
  position: sticky;
  top: 0;
  z-index: 1;
  background: var(--bg-cool);
  border-bottom: 1px solid var(--line);
  font-size: 0.73rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
}
.table tbody tr:hover { background: var(--bg-soft); }
.table td { color: var(--text); }
.table td:first-child { font-weight: 600; color: var(--ink); }
.bar-cell { display: flex; align-items: center; justify-content: flex-end; gap: 8px; }
.bar-cell i {
  display: block;
  width: 56px;
  height: 5px;
  border-radius: 2px;
  background: var(--line);
  overflow: hidden;
  position: relative;
}
.bar-cell i::after {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--w, 0%);
  background: var(--navy-800);
}

/* Charges Table */
.charges {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--sh-1);
}
.charges .table th, .charges .table td {
  text-align: left;
  white-space: normal;
  min-width: 170px;
  vertical-align: top;
  padding: 15px 18px;
  border-right: 1px solid var(--line-soft);
}
.charges .table th:last-child, .charges .table td:last-child { border-right: 0; }
.charges .table th:first-child, .charges .table td:first-child {
  position: sticky;
  left: 0;
  z-index: 2;
  background: #fff;
  min-width: 210px;
  border-right: 1px solid var(--line);
}
.charges .table thead th:first-child { background: var(--bg-cool); z-index: 3; }
.charges .table thead th {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--navy-900);
}
.charges .table tbody tr:hover td:first-child { background: var(--bg-soft); }

/* Rate Summary Cards */
.rate-card {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
}
.rate-card__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
}
.rate-card__top h3 { font-size: 1.08rem; }
.rate-card__pricing {
  padding: 14px 16px;
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  border-radius: var(--r-sm);
}
.rate-card__from {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  color: var(--muted);
  margin-bottom: 4px;
}
.rate-card__rate {
  font-size: clamp(1.22rem, 1.48vw, 1.42rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  color: var(--navy-900);
  line-height: 1.15;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}
.rate-card__rate small { font-size: 0.58em; font-weight: 600; color: var(--muted); }
.rate-card dl {
  display: grid;
  gap: 8px;
  flex: 1;
}
.rate-card dl div {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 8px;
  font-size: 0.84rem;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--line-soft);
}
.rate-card dl div:last-child { border-bottom: 0; padding-bottom: 0; }
.rate-card dt { color: var(--muted); white-space: nowrap; }
.rate-card dd { font-weight: 600; color: var(--ink); text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }

/* Advisory & Formula Boxes */
.advisory-box {
  padding: 20px 22px;
  background: var(--orange-50);
  border: 1px solid var(--orange-100);
  border-left: 4px solid var(--orange-600);
  border-radius: var(--r-sm);
  display: grid;
  gap: 8px;
}
.advisory-box__head {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--navy-900);
  font-size: 0.92rem;
}
.advisory-box__head .icon { color: var(--orange-600); }
.advisory-box p { font-size: 0.86rem; color: var(--text); line-height: 1.6; }
.advisory-box a { font-weight: 700; color: var(--navy-900); text-decoration: underline; }

.formula-box {
  padding: 22px 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  display: grid;
  gap: 14px;
}
.formula-box__label {
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}
.formula-box__code {
  display: block;
  font-family: var(--font-mono);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy-900);
  background: var(--bg-cool);
  border: 1px solid var(--line);
  padding: 12px 16px;
  border-radius: var(--r-sm);
}
.formula-box__vars { display: grid; gap: 6px; font-size: 0.85rem; }
.formula-box__vars > div { display: flex; gap: 10px; }
.formula-box__vars dt {
  font-family: var(--font-mono);
  font-weight: 700;
  color: var(--navy-800);
  min-width: 18px;
}
.formula-box__vars dd { color: var(--muted); }

/* ---------- Eligibility Checker ---------- */
.elig {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.85fr);
  gap: clamp(20px, 3vw, 32px);
  align-items: start;
}
.elig__form {
  display: grid;
  gap: 28px;
  padding: clamp(24px, 3.5vw, 36px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.elig__section {
  display: grid;
  gap: 16px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line-soft);
}
.elig__section:last-child { padding-bottom: 0; border-bottom: 0; }
.elig__section-title {
  display: flex;
  align-items: center;
  gap: 10px;
}
.elig__section-title h3 { font-size: 1.02rem; }
.elig__section-title span {
  padding: 2px 7px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 700;
}

.elig__result {
  position: sticky;
  top: calc(var(--header-h) + 20px);
  display: grid;
  gap: 20px;
  padding: clamp(22px, 3vw, 30px);
  border-radius: var(--r-lg);
  background: var(--navy-900);
  border: 1px solid var(--navy-800);
  color: #fff;
  box-shadow: var(--sh-2);
}
.elig__result-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.elig__kicker {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  font-weight: 700;
}
.gauge { position: relative; width: 180px; margin: 0 auto; }
.gauge svg { width: 100%; height: auto; overflow: visible; }
.gauge__track { fill: none; stroke: rgba(255, 255, 255, 0.12); stroke-width: 13; stroke-linecap: round; }
.gauge__value {
  fill: none;
  stroke: var(--green-500);
  stroke-width: 13;
  stroke-linecap: round;
  transition: stroke-dashoffset 0.5s var(--ease), stroke 0.3s;
}
.gauge__label { position: absolute; left: 0; right: 0; bottom: 2px; text-align: center; }
.gauge__label strong {
  display: block;
  font-size: 1.9rem;
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.gauge__label span { font-size: 0.74rem; color: rgba(255, 255, 255, 0.6); font-weight: 600; }

.status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  border-radius: var(--r-xs);
  font-weight: 600;
  font-size: 0.78rem;
  background: rgba(255, 255, 255, 0.1);
}
.status::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: currentColor; }
.status.is-high { color: #86efac; background: rgba(31, 122, 66, 0.28); border: 1px solid rgba(134, 239, 172, 0.25); }
.status.is-mid { color: #fdba74; background: rgba(209, 84, 15, 0.25); border: 1px solid rgba(253, 186, 116, 0.25); }
.status.is-low, .status.is-fail { color: #fca5a5; background: rgba(185, 28, 28, 0.28); border: 1px solid rgba(252, 165, 165, 0.25); }

.elig__figures { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.elig__fig {
  padding: 12px 14px;
  border-radius: var(--r-sm);
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
}
.elig__fig--wide { grid-column: 1 / -1; background: rgba(255, 255, 255, 0.08); }
.elig__fig span {
  display: block;
  font-size: 0.7rem;
  color: rgba(255, 255, 255, 0.6);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 2px;
}
.elig__fig strong { font-size: 1.08rem; font-variant-numeric: tabular-nums; }
.elig__fig--wide strong { font-size: 1.55rem; letter-spacing: -0.025em; color: #fff; }

.elig__criteria-wrap { display: grid; gap: 10px; }
.criteria { display: grid; gap: 8px; }
.criteria li {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.84);
  line-height: 1.45;
}
.criteria li .icon { width: 16px; height: 16px; margin-top: 2px; flex-shrink: 0; }
.criteria li.pass .icon { color: #86efac; }
.criteria li.fail .icon { color: #fca5a5; }
.criteria li.warn .icon { color: #fdba74; }
.elig__footnote {
  font-size: 0.74rem;
  color: rgba(255, 255, 255, 0.5);
  line-height: 1.5;
}

/* ---------- Contact & Online Application Page ---------- */
.card--form {
  padding: clamp(24px, 3.5vw, 36px);
  box-shadow: var(--sh-2);
}
.form-card__head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.prefill-banner {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  border-radius: var(--r-sm);
  font-size: 0.86rem;
  color: var(--navy-900);
}
.prefill-banner .icon { color: var(--navy-800); }

.sla-card {
  background: var(--navy-900);
  color: #fff;
  padding: 22px 24px;
  border-radius: var(--r);
  border: 1px solid var(--navy-800);
}
.sla-card__head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
  font-size: 1rem;
}
.sla-card__head .icon { color: var(--orange-500); width: 20px; height: 20px; }
.sla-card p { color: rgba(255, 255, 255, 0.74); font-size: 0.88rem; line-height: 1.58; }

.contact-list {
  display: grid;
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: #fff;
  overflow: hidden;
}
.contact-card {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px 20px;
  border-bottom: 1px solid var(--line-soft);
  transition: background-color 0.15s;
}
.contact-card:last-child { border-bottom: 0; }
a.contact-card:hover { background: var(--bg-cool); }
.contact-card strong { display: block; color: var(--ink); font-size: 0.92rem; }
.contact-card span { display: block; color: var(--text); font-size: 0.88rem; font-weight: 500; margin-top: 1px; }
.contact-card small { display: block; color: var(--muted); font-size: 0.78rem; margin-top: 2px; }

.grievance-box {
  padding: 20px 22px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--r);
  display: grid;
  gap: 6px;
}
.grievance-box h3 { font-size: 1rem; }

/* ---------- Legal & Compliance Layout ---------- */
.legal-layout {
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr);
  gap: clamp(32px, 5vw, 64px);
  align-items: start;
}
.legal-nav { position: sticky; top: calc(var(--header-h) + 24px); }
.legal-nav__box {
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: #fff;
  overflow: hidden;
}
.legal-nav__title {
  display: block;
  padding: 12px 16px;
  background: var(--bg-cool);
  border-bottom: 1px solid var(--line);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}
.legal-nav__box ul { padding: 6px; display: grid; gap: 2px; }
.legal-nav__box ul a {
  display: block;
  padding: 8px 10px;
  border-radius: var(--r-xs);
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--text);
}
.legal-nav__box ul a:hover { background: var(--bg-cool); color: var(--navy-900); }
.legal-nav__foot {
  padding: 12px 16px;
  background: var(--bg-soft);
  border-top: 1px solid var(--line);
  font-size: 0.78rem;
}
.legal-nav__foot span { display: block; color: var(--muted); }
.legal-nav__foot a { font-weight: 700; color: var(--navy-800); }

.legal-section {
  padding-bottom: 40px;
  margin-bottom: 40px;
  border-bottom: 1px solid var(--line);
}
.legal-section:last-child { border-bottom: 0; margin-bottom: 0; padding-bottom: 0; }
.prose { color: var(--text); }
.prose h2 { font-size: 1.45rem; margin: 8px 0 14px; }
.prose h3 { font-size: 1.05rem; margin: 20px 0 8px; }
.prose p { margin: 0 0 14px; }
.prose ul { margin: 0 0 16px; padding-left: 20px; list-style: disc; }
.prose li { margin-bottom: 8px; }
.prose a { color: var(--navy-800); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

.escalation-grid {
  display: grid;
  gap: 14px;
  margin-top: 16px;
}
.escalation-tier {
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
}
.escalation-tier__head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line-soft);
}
.escalation-tier__badge {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: var(--r-xs);
  background: var(--navy-800);
  color: #fff;
}
.escalation-tier__head strong { color: var(--ink); font-size: 0.98rem; }
.escalation-tier__sla {
  margin-left: auto;
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--navy-700);
  background: var(--navy-50);
  padding: 2px 8px;
  border-radius: var(--r-xs);
}
.escalation-tier p { font-size: 0.9rem; margin-bottom: 10px; }
.escalation-tier__meta {
  display: grid;
  gap: 4px;
  font-size: 0.85rem;
  background: var(--bg-soft);
  padding: 10px 14px;
  border-radius: var(--r-sm);
}
.escalation-tier__meta > div { display: flex; gap: 8px; }
.escalation-tier__meta dt { font-weight: 700; color: var(--ink); min-width: 64px; }
.escalation-tier__meta dd { color: var(--text); }

.notice {
  display: flex;
  gap: 12px;
  padding: 14px 16px;
  border-radius: var(--r-sm);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  color: var(--muted);
  font-size: 0.85rem;
}
.notice .icon { color: var(--navy-700); margin-top: 2px; }

/* ---------- Institutional Footer ---------- */
.site-footer {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.7);
  padding-top: clamp(56px, 7vw, 80px);
  border-top: 1px solid var(--navy-800);
}
.footer-top {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-brand { display: grid; gap: 20px; align-content: start; max-width: 380px; }
.footer-brand .brand { gap: 15px; }
.footer-brand .brand__mark {
  width: 62px;
  height: 62px;
  border-radius: 50%;
  padding: 3px;
  background: #ffffff;
  border: 1.5px solid rgba(255, 255, 255, 0.25);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.35);
}
.footer-brand .brand__text strong { 
  color: #fff; 
  font-size: 1.38rem;
  letter-spacing: -0.015em;
}
.footer-brand .brand__text span {
  color: var(--orange-500);
  font-size: 0.78rem;
  letter-spacing: 0.24em;
}
.footer-brand p { font-size: 0.9rem; line-height: 1.6; color: rgba(255, 255, 255, 0.72); }
.footer-col h4 {
  color: #fff;
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
  font-weight: 700;
}
.footer-col ul { display: grid; gap: 10px; }
.footer-col a { font-size: 0.88rem; transition: color 0.15s; }
.footer-col a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.footer-contact { display: grid; gap: 10px; font-size: 0.86rem; }
.footer-contact a, .footer-contact div { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .icon { color: var(--orange-500); margin-top: 3px; width: 16px; height: 16px; }
.footer-contact a:hover { color: #fff; }
.socials { display: flex; gap: 8px; }
.socials a {
  width: 36px;
  height: 36px;
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: rgba(255, 255, 255, 0.8);
  transition: background-color 0.15s, color 0.15s, border-color 0.15s;
}
.socials a:hover { background: #fff; color: var(--navy-950); border-color: #fff; }
.socials .icon { width: 16px; height: 16px; }

.footer-disclaimer {
  padding: 22px 0;
  font-size: 0.78rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.5);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-disclaimer strong { color: rgba(255, 255, 255, 0.75); }
.footer-disclaimer a { color: rgba(255, 255, 255, 0.75); text-decoration: underline; }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 0 28px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
}
.footer-bottom nav { display: flex; flex-wrap: wrap; gap: 20px; }
.footer-bottom a:hover { color: #fff; }

/* Mobile CTA Bar */
.mobile-cta { display: none; }

/* Back to Top */
.to-top {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 90;
  width: 42px;
  height: 42px;
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  background: var(--navy-800);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: #fff;
  box-shadow: var(--sh-2);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s, visibility 0.2s, transform 0.2s, background-color 0.15s;
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.to-top:hover { background: var(--navy-900); }
.to-top .icon { transform: rotate(-90deg); width: 18px; height: 18px; }

/* Reveal utility kept neutral so content is rock-solid and never hidden */
.reveal { opacity: 1; transform: none; }

/* ==========================================================================
   Extended CapitalNeed Institutional Sections & Components
   ========================================================================== */

/* Header Dropdown Specialized Sub-Suite */
.dropdown__sub {
  padding: 14px 18px;
  background: var(--bg-soft);
  border-top: 1px solid var(--line);
}
.dropdown__sub-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}
.dropdown__sub-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.dropdown__tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 10px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-xs);
  transition: border-color 0.15s, color 0.15s, background-color 0.15s;
}
.dropdown__tag em {
  font-style: normal;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  color: var(--orange-600);
  font-weight: 700;
}
.dropdown__tag:hover {
  border-color: var(--navy-700);
  background: var(--navy-50);
  color: var(--navy-900);
}

/* Extended Suite of Customized Loan Solutions (.suite-panel & .suite-grid) */
.suite-panel {
  margin-top: 36px;
  padding-top: 32px;
  border-top: 1px solid var(--line);
}
.suite-panel__head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-end;
  gap: 16px;
  margin-bottom: 22px;
}
.suite-panel__title {
  font-size: 1.28rem;
  margin-top: 4px;
  color: var(--ink);
}
.suite-panel__lead {
  max-width: 480px;
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.55;
}
.suite-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(275px, 1fr));
  gap: 16px;
}
.suite-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 12px;
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}
.suite-card:hover {
  border-color: var(--navy-700);
  box-shadow: var(--sh-1);
}
.suite-card__top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
}
.suite-card__tag {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy-800);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  padding: 2px 8px;
  border-radius: var(--r-xs);
}
.suite-card__rate {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--orange-600);
}
.suite-card__title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.02rem;
  color: var(--ink);
}
.suite-card__title .icon {
  color: var(--navy-700);
  flex-shrink: 0;
}
.suite-card__desc {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.56;
  flex: 1;
}
.suite-card__meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  padding: 10px 12px;
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  border-radius: var(--r-xs);
  font-size: 0.78rem;
}
.suite-card__meta span {
  display: block;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
}
.suite-card__meta strong {
  color: var(--ink);
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.suite-card__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy-800);
  padding-top: 4px;
}
.suite-card__link:hover {
  color: var(--orange-600);
}

/* 5-Step Process Grid (.steps--5) */
.steps--5 {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}
.step__icon {
  width: 28px;
  height: 28px;
  border-radius: var(--r-xs);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  color: var(--navy-700);
  display: grid;
  place-items: center;
}

/* Credit Score Advisory & One-Form Pair (.advisory-pair) */
.advisory-pair {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-bottom: 24px;
}
.advisory-card {
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 3px solid var(--navy-800);
  border-radius: var(--r);
  display: grid;
  gap: 8px;
}
.advisory-card__head {
  display: grid;
  gap: 4px;
}
.advisory-card__badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--orange-600);
}
.advisory-card h3 {
  font-size: 1rem;
  color: var(--ink);
}
.advisory-card p {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.56;
}

/* Credit Score Tier Badges */
.badge-pill {
  display: inline-block;
  padding: 3px 9px;
  border-radius: var(--r-xs);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.03em;
}
.badge-pill--prime { background: #ecfdf5; color: #065f46; border: 1px solid #a7f3d0; }
.badge-pill--std   { background: var(--navy-50); color: var(--navy-800); border: 1px solid var(--navy-100); }
.badge-pill--mod   { background: #fffbeb; color: #92400e; border: 1px solid #fde68a; }
.badge-pill--low   { background: var(--bg-soft); color: var(--ink); border: 1px solid var(--line); }

/* ==========================================================================
   Institutional Lending Network (.partners-section)
   Clean banking aesthetics, logo presentation, dynamic marquee & filters
   ========================================================================== */

.partners-section {
  padding-block: clamp(64px, 7vw, 100px);
  background: linear-gradient(180deg, #f8fafc 0%, #ffffff 40%, #f4f6fa 100%);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}

.partners-section::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
  max-width: 1280px;
  height: 240px;
  background: radial-gradient(ellipse 60% 50% at 50% 0%, rgba(30, 41, 89, 0.05) 0%, transparent 70%);
  pointer-events: none;
}

.partners-section__head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-end;
  gap: 28px;
  margin-bottom: 32px;
}

.partners-section__titles {
  flex: 1 1 540px;
  max-width: 720px;
}

.partners-section__title {
  font-size: clamp(1.85rem, 3.2vw, 2.5rem);
  color: var(--navy-950);
  margin: 10px 0 14px;
  line-height: 1.2;
}

.partners-section__lead {
  font-size: 1.05rem;
  color: var(--text);
  line-height: 1.65;
}

.partners-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.partner-stat-pill {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 10px 16px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  box-shadow: var(--sh-1);
}

.partner-stat-pill__icon {
  width: 38px;
  height: 38px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.partner-stat-pill strong {
  display: block;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--navy-950);
  line-height: 1.2;
}

.partner-stat-pill small {
  display: block;
  font-size: 0.72rem;
  color: var(--muted);
  margin-top: 2px;
}

/* --- Dynamic Marquee Ticker --- */
.partners-marquee {
  width: 100%;
  margin-bottom: 32px;
  padding: 14px 0;
  background: #ffffff;
  border: 1px solid var(--line-soft);
  border-radius: var(--r);
  overflow: hidden;
  position: relative;
  box-shadow: 0 1px 3px rgba(17, 21, 38, 0.03);
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 6%, #000 94%, transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0%, #000 6%, #000 94%, transparent 100%);
}

.partners-marquee__track {
  display: flex;
  align-items: center;
  gap: 20px;
  width: max-content;
  animation: partnersMarqueeScroll 38s linear infinite;
  will-change: transform;
}

.partners-marquee:hover .partners-marquee__track {
  animation-play-state: paused;
}

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

.marquee-logo-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 6px 16px 6px 10px;
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  border-radius: 9999px;
  white-space: nowrap;
  transition: background-color 0.15s, border-color 0.15s, transform 0.15s;
}

.marquee-logo-badge:hover {
  background: #ffffff;
  border-color: var(--navy-600);
  transform: translateY(-1px);
}

.marquee-logo-badge__img-wrap {
  width: auto;
  height: 28px;
  background: #ffffff;
  border-radius: var(--r-xs);
  padding: 2px 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 1px 2px rgba(0,0,0,0.06);
}

.marquee-logo-badge img {
  max-width: 68px;
  max-height: 22px;
  width: auto;
  object-fit: contain;
}

.marquee-logo-badge span {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy-900);
}

/* --- Filter Bar --- */
.partners-filter-wrap {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}

.partners-filter {
  display: inline-flex;
  flex-wrap: wrap;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  padding: 4px;
  gap: 4px;
  box-shadow: var(--sh-1);
}

.partners-filter__btn {
  padding: 8px 18px;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--muted);
  border-radius: var(--r-xs);
  transition: all 0.18s var(--ease);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  background: transparent;
  border: none;
}

.partners-filter__btn:hover {
  color: var(--navy-950);
  background: var(--navy-50);
}

.partners-filter__btn.is-active {
  color: #ffffff;
  background: var(--navy-900);
  box-shadow: 0 2px 6px rgba(19, 25, 54, 0.2);
}

.partners-filter__count {
  font-size: 0.74rem;
  opacity: 0.8;
}

.partners-filter-hint {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  color: var(--subtle);
}

/* --- Partners Slider & Controls --- */
.partners-controls-bar {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}

.partners-slider-nav {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  padding: 4px 6px;
  box-shadow: var(--sh-1);
}

.partners-slider-counter {
  font-family: var(--font-mono);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy-800);
  padding: 0 10px;
  letter-spacing: 0.04em;
  user-select: none;
}

.partners-slider-btn {
  width: 34px;
  height: 34px;
  border-radius: var(--r-xs);
  border: 1px solid var(--line-soft);
  background: var(--navy-50);
  color: var(--navy-900);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s var(--ease);
}

.partners-slider-btn:hover:not(:disabled) {
  background: var(--navy-900);
  color: #ffffff;
  border-color: var(--navy-900);
  transform: scale(1.05);
}

.partners-slider-btn:disabled {
  opacity: 0.35;
  cursor: not-allowed;
  pointer-events: none;
}

.partners-slider {
  position: relative;
  width: 100%;
}

.partners-slider__viewport {
  overflow: hidden;
  position: relative;
  width: 100%;
  padding: 8px 4px 16px;
  margin: -8px -4px -16px;
}

.partners-slider__track {
  display: flex;
  gap: 20px;
  transition: transform 0.45s cubic-bezier(0.2, 0.7, 0.2, 1);
  will-change: transform;
}

.partners-slider .partner-card {
  flex: 0 0 calc((100% - 60px) / 4);
  max-width: calc((100% - 60px) / 4);
  min-width: 0;
  box-sizing: border-box;
  margin: 0;
}

/* Pagination Dots */
.partners-slider-dots {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
  margin-top: 26px;
}

.partners-slider-dot {
  width: 8px;
  height: 8px;
  border-radius: 4px;
  background: var(--navy-100);
  border: none;
  padding: 0;
  cursor: pointer;
  transition: all 0.25s var(--ease);
}

.partners-slider-dot:hover {
  background: var(--navy-600);
}

.partners-slider-dot.is-active {
  width: 26px;
  background: var(--navy-900);
}

@media (max-width: 1200px) {
  .partners-slider .partner-card {
    flex: 0 0 calc((100% - 40px) / 3);
    max-width: calc((100% - 40px) / 3);
  }
}

@media (max-width: 900px) {
  .partners-slider .partner-card {
    flex: 0 0 calc((100% - 20px) / 2);
    max-width: calc((100% - 20px) / 2);
  }
  .partners-controls-bar {
    flex-direction: column;
    align-items: stretch;
  }
  .partners-slider-nav {
    align-self: flex-end;
  }
}

@media (max-width: 600px) {
  .partners-slider .partner-card {
    flex: 0 0 calc(100% - 24px);
    max-width: calc(100% - 24px);
  }
}

.partner-card {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 22px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: transform 0.22s var(--ease), box-shadow 0.22s var(--ease), border-color 0.22s var(--ease), opacity 0.22s var(--ease);
  box-shadow: var(--sh-1);
}

.partner-card:hover {
  transform: translateY(-5px);
  border-color: var(--navy-700);
  box-shadow: 0 16px 36px -8px rgba(19, 25, 54, 0.12), 0 2px 6px rgba(19, 25, 54, 0.04);
}

.partner-card.is-hidden {
  display: none !important;
}

/* Card Header & Logo Stage */
.partner-card__top-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.partner-card__logo-stage {
  height: 72px;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px 16px;
  background: #ffffff;
  border: 1px solid var(--line-soft);
  border-radius: var(--r-sm);
  margin-bottom: 16px;
  box-shadow: 0 1px 3px rgba(19, 25, 54, 0.03);
  transition: border-color 0.22s var(--ease), box-shadow 0.22s var(--ease);
}

.partner-card:hover .partner-card__logo-stage {
  border-color: var(--navy-100);
  box-shadow: 0 3px 8px rgba(19, 25, 54, 0.06);
}

.partner-card__logo {
  max-height: 50px;
  max-width: 100%;
  width: auto;
  object-fit: contain;
  transition: transform 0.22s var(--ease);
}

.partner-card:hover .partner-card__logo {
  transform: scale(1.06);
}

/* Card Category Tag */
.partner-card__tag {
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 4px 9px;
  border-radius: var(--r-xs);
  flex-shrink: 0;
}

.partner-card__tag--bank {
  background: #eef2ff;
  color: #3730a3;
  border: 1px solid #c7d2fe;
}

.partner-card__tag--nbfc {
  background: #fdf2f8;
  color: #9d174d;
  border: 1px solid #fbcfe8;
}

.partner-card__tag--hfc {
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

/* Card Body */
.partner-card__body {
  display: flex;
  flex-direction: column;
  flex: 1 1 auto;
}

.partner-card__titles {
  margin-bottom: 12px;
}

.partner-card__name {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy-950);
  line-height: 1.25;
  margin: 0 0 2px;
}

.partner-card__cat {
  font-size: 0.77rem;
  color: var(--muted);
  display: block;
}

.partner-card__highlight {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 10px;
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  border-radius: var(--r-xs);
  color: var(--navy-800);
  font-size: 0.78rem;
  margin-bottom: 10px;
  width: fit-content;
}

.partner-card__highlight .icon {
  color: var(--orange-600);
}

.partner-card__perk {
  font-size: 0.81rem;
  color: var(--text);
  display: flex;
  align-items: flex-start;
  gap: 7px;
  line-height: 1.45;
  margin-bottom: 14px;
}

.partner-card__perk .icon {
  color: var(--green-600);
  margin-top: 2px;
  flex-shrink: 0;
}

.partner-card__tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: auto;
  margin-bottom: 14px;
}

.partner-card__tag-pill {
  font-size: 0.69rem;
  font-weight: 600;
  background: var(--bg-soft);
  color: var(--subtle);
  padding: 2px 7px;
  border-radius: var(--r-xs);
  border: 1px solid var(--line-soft);
}

/* Card Footer */
.partner-card__foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  border-top: 1px solid var(--line-soft);
  margin-top: 8px;
}

.partner-card__link {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--orange-600);
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: gap 0.15s var(--ease), color 0.15s;
}

.partner-card:hover .partner-card__link {
  color: var(--orange-700);
  gap: 8px;
}

.partner-card__code {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 800;
  color: var(--muted);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  padding: 2px 7px;
  border-radius: var(--r-xs);
  letter-spacing: 0.04em;
}

.partner-card__tat {
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--subtle);
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.partner-card__tat .icon {
  color: var(--muted);
}

/* --- Trust & Guarantee Strip --- */
.partners-guarantee {
  margin-top: 40px;
  padding: clamp(24px, 3.5vw, 36px);
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
}

.partners-guarantee__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--line-soft);
}

.partners-guarantee__item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.partners-guarantee__icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  background: var(--navy-50);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 1px 2px rgba(19, 25, 54, 0.06);
}

.partners-guarantee__item h4 {
  font-size: 0.98rem;
  font-weight: 800;
  color: var(--navy-950);
  margin-bottom: 4px;
}

.partners-guarantee__item p {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.55;
}

.partners-guarantee__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  padding-top: 24px;
}

.partners-guarantee__cta-text strong {
  display: block;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--navy-950);
}

.partners-guarantee__cta-text span {
  font-size: 0.85rem;
  color: var(--muted);
}

/* Backward compatibility fallbacks if needed */
.partners-panel {
  margin-top: 32px;
  padding: 28px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
}
.partners-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}
.partner-tile {
  padding: 14px 16px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  display: grid;
  gap: 4px;
}

/* --- Responsive Adjustments --- */
@media (max-width: 1100px) {
  .partners-cards-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (max-width: 820px) {
  .partners-cards-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .partners-guarantee__grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .partners-guarantee__actions {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 540px) {
  .partners-cards-grid {
    grid-template-columns: 1fr;
  }
  .partners-filter {
    width: 100%;
  }
  .partners-filter__btn {
    flex: 1 1 auto;
    justify-content: center;
    padding: 7px 12px;
  }
  .partners-badges {
    width: 100%;
  }
  .partner-stat-pill {
    width: 100%;
  }
}

/* Awards & Achievements (.awards-grid) */
.awards-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.award-card {
  padding: 22px 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  display: grid;
  gap: 8px;
  align-content: start;
}
.award-card__top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 4px;
}
.award-card__icon {
  width: 34px;
  height: 34px;
  border-radius: var(--r-xs);
  background: var(--orange-50);
  border: 1px solid var(--orange-100);
  color: var(--orange-600);
  display: grid;
  place-items: center;
}
.award-card__icon .icon { width: 17px; height: 17px; }
.award-card__year {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--navy-800);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  padding: 2px 8px;
  border-radius: var(--r-xs);
}
.award-card__title {
  font-size: 1rem;
  color: var(--ink);
}
.award-card__org {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--navy-700);
}
.award-card__desc {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.56;
}

/* Insights, Financial Guides & Newsletter (.insights-grid) */
.insights-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 24px;
  align-items: start;
}
.insights-main {
  display: grid;
  gap: 18px;
}
.insight-featured {
  padding: 26px 28px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  display: grid;
  gap: 14px;
}
.insight-featured__meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
}
.insight-featured__cat {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--orange-600);
  background: var(--orange-50);
  border: 1px solid var(--orange-100);
  padding: 3px 9px;
  border-radius: var(--r-xs);
}
.insight-featured__read {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  color: var(--muted);
}
.insight-featured__title {
  font-size: 1.24rem;
  line-height: 1.35;
  color: var(--ink);
}
.insight-featured__excerpt {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.6;
}
.insight-featured__points {
  display: grid;
  gap: 8px;
  padding: 14px 16px;
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  border-radius: var(--r-sm);
  font-size: 0.84rem;
  color: var(--text);
}
.insight-featured__points li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.insight-featured__points .icon {
  color: var(--navy-800);
  margin-top: 2px;
  flex-shrink: 0;
}
.insight-featured__foot {
  padding-top: 4px;
}

.newsletter-box {
  padding: 22px 24px;
  background: var(--navy-900);
  color: #fff;
  border: 1px solid var(--navy-800);
  border-radius: var(--r);
  display: grid;
  gap: 14px;
}
.newsletter-box__text h4 {
  color: #fff;
  font-size: 1.04rem;
  margin: 4px 0 6px;
}
.newsletter-box__text p {
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.74);
  line-height: 1.55;
}
.newsletter-box__row {
  display: flex;
  gap: 8px;
}
.newsletter-box__row .input {
  flex: 1;
  background: rgba(255, 255, 255, 0.96);
  border-color: transparent;
}
.newsletter-box__msg {
  font-size: 0.8rem;
  color: #a7f3d0;
  margin-top: 6px;
}

.insight-list {
  display: grid;
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: #fff;
  overflow: hidden;
}
.insight-item {
  display: grid;
  grid-template-columns: 36px 1fr;
  gap: 14px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--line-soft);
  align-items: start;
}
.insight-item:last-child { border-bottom: 0; }
.insight-item__num {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--navy-800);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  height: 28px;
  border-radius: var(--r-xs);
  display: grid;
  place-items: center;
  margin-top: 2px;
}
.insight-item__body {
  display: grid;
  gap: 4px;
}
.insight-item__meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.72rem;
}
.insight-item__cat {
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--navy-700);
}
.insight-item__read {
  font-family: var(--font-mono);
  color: var(--muted);
}
.insight-item__title {
  font-size: 0.95rem;
  color: var(--ink);
  line-height: 1.4;
}
.insight-item__excerpt {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.52;
}
.insight-item__link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy-800);
  margin-top: 2px;
}
.insight-item__link:hover { color: var(--orange-600); }

/* ==========================================================================
   About Us Page — Institutional Redesign
   ========================================================================== */

/* Hero with Impact Metric Matrix */
.about-hero {
  position: relative;
  background: linear-gradient(180deg, #f8fafc 0%, #ffffff 50%, #f4f6fa 100%);
  border-bottom: 1px solid var(--line);
  overflow: hidden;
}
.about-hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
  max-width: 1280px;
  height: 320px;
  background: radial-gradient(ellipse 70% 50% at 50% 0%, rgba(209, 84, 15, 0.06) 0%, rgba(27, 34, 75, 0.04) 50%, transparent 80%);
  pointer-events: none;
}
.about-hero__grid {
  display: grid;
  grid-template-columns: 1.22fr 1fr;
  gap: 40px;
  align-items: center;
}
.about-hero__title {
  margin: 12px 0 16px;
  color: var(--navy-950);
}
.about-hero__lead {
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--text);
  margin-bottom: 24px;
}
.about-hero__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.about-trust-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--green-600);
  background: var(--green-50);
  border: 1px solid var(--green-100);
  padding: 5px 12px;
  border-radius: var(--r-xs);
}
.about-trust-chip .icon {
  stroke-width: 2.2;
}

/* 4-Stat Highlight Matrix */
.about-hero__matrix {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.about-stat-card {
  background: #ffffff;
  border: 1px solid rgba(27, 34, 75, 0.1);
  border-radius: var(--r-lg);
  padding: 22px 20px;
  display: grid;
  gap: 8px;
  box-shadow: var(--sh-1);
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), border-color 0.25s var(--ease);
}
.about-stat-card:hover {
  transform: translateY(-5px);
  border-color: rgba(209, 84, 15, 0.35);
  box-shadow: 0 12px 28px -6px rgba(17, 25, 60, 0.1);
}
.about-stat-card__top {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.about-stat-card__icon {
  width: 36px;
  height: 36px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
}
.about-stat-card__icon .icon { width: 18px; height: 18px; }
.about-stat-card__trend {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--orange-600);
  background: var(--orange-50);
  padding: 2px 7px;
  border-radius: var(--r-xs);
  border: 1px solid var(--orange-100);
}
.about-stat-card__val {
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--navy-950);
  line-height: 1.15;
}
.about-stat-card__lbl {
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.4;
}

/* Vision & Mandate Dual Showcase */
.about-vision-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.about-vision-card {
  padding: 24px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  display: grid;
  gap: 12px;
  box-shadow: var(--sh-1);
  position: relative;
  overflow: hidden;
}
.about-vision-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
}
.about-vision-card--vision::before {
  background: linear-gradient(90deg, var(--orange-500), var(--orange-600));
}
.about-vision-card--mandate::before {
  background: linear-gradient(90deg, var(--navy-700), var(--navy-900));
}
.about-vision-card__head {
  display: flex;
  align-items: center;
  gap: 14px;
}
.about-vision-card__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--r);
  background: var(--navy-50);
  color: var(--navy-800);
  border: 1px solid var(--navy-100);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.about-vision-card--vision .about-vision-card__icon {
  background: var(--orange-50);
  color: var(--orange-600);
  border-color: var(--orange-100);
}
.about-vision-card__kicker {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}
.about-vision-card h3 {
  font-size: 1.15rem;
  color: var(--navy-950);
  margin: 2px 0 0;
}
.about-vision-card p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}

/* 4-Point Mission Cards */
.about-mission-block {
  margin-top: 10px;
}
.about-mission-block__head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 16px;
}
.about-mission-block__head h3 {
  font-size: 1.15rem;
  color: var(--navy-950);
  margin: 4px 0 0;
}
.about-mission-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.about-mission-card {
  padding: 20px;
  background: #ffffff;
  border: 1px solid var(--line-soft);
  border-radius: var(--r);
  display: grid;
  gap: 8px;
  position: relative;
  transition: all 0.22s var(--ease);
}
.about-mission-card:hover {
  border-color: var(--navy-600);
  box-shadow: var(--sh-1);
}
.about-mission-card__num {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--orange-600);
  background: var(--orange-50);
  padding: 2px 6px;
  border-radius: var(--r-xs);
  width: fit-content;
}
.about-mission-card__icon {
  color: var(--navy-800);
  width: 22px;
  height: 22px;
}
.about-mission-card h4 {
  font-size: 0.96rem;
  color: var(--navy-950);
  margin: 0;
}
.about-mission-card p {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.55;
  margin: 0;
}

/* Institutional Fact Sheet Enhancements */
.about-ledger-card {
  border: 1px solid var(--line);
  box-shadow: var(--sh-2);
}
.about-ledger-logo {
  border-radius: 50%;
  border: 1px solid var(--line);
  background: #fff;
  padding: 2px;
}
.about-status-banner {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--green-50);
  border: 1px solid var(--green-100);
  padding: 8px 12px;
  border-radius: var(--r-xs);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--green-600);
  margin-bottom: 16px;
}
.about-status-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--green-500);
  animation: pulseDot 2s infinite;
}
@keyframes pulseDot {
  0% { transform: scale(0.95); opacity: 0.8; }
  50% { transform: scale(1.2); opacity: 1; }
  100% { transform: scale(0.95); opacity: 0.8; }
}

/* Four Pillars of Lending Standard */
.about-pillars-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}
.about-pillar-card {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 24px 20px 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: var(--sh-1);
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), border-color 0.25s var(--ease);
}
.about-pillar-card:hover {
  transform: translateY(-6px);
  border-color: rgba(209, 84, 15, 0.35);
  box-shadow: 0 14px 28px -6px rgba(17, 25, 60, 0.1);
}
.about-pillar-card__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--r);
  background: var(--navy-50);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--navy-100);
}
.about-pillar-card h3 {
  font-size: 1.05rem;
  color: var(--navy-950);
  margin: 0;
}
.about-pillar-card p {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.58;
  margin: 0;
  flex-grow: 1;
}
.about-pillar-card__tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--green-600);
  padding-top: 12px;
  border-top: 1px solid var(--line-soft);
}

/* Leadership Redesign */
.leadership-block__head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: baseline;
  gap: 8px;
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}
.leadership-block__head h3 { font-size: 1.15rem; color: var(--navy-950); margin: 0; }
.leadership-block__head span { font-size: 0.82rem; color: var(--muted); }
.leadership-badge {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--navy-800);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  padding: 3px 8px;
  border-radius: var(--r-xs);
}
.leadership-grid {
  display: grid;
  gap: 16px;
}
.leadership-grid--2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.leadership-grid--4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}
.leader-card {
  padding: 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  display: grid;
  gap: 12px;
  align-content: start;
}
.leader-card--executive {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), border-color 0.25s var(--ease);
}
.leader-card--executive:hover {
  transform: translateY(-5px);
  border-color: var(--navy-700);
  box-shadow: var(--sh-2);
}
.leader-card--vertical {
  padding: 20px;
  border-radius: var(--r-lg);
  position: relative;
  transition: transform 0.22s var(--ease), box-shadow 0.22s var(--ease), border-color 0.22s var(--ease);
}
.leader-card--vertical:hover {
  transform: translateY(-4px);
  border-color: var(--navy-600);
  box-shadow: var(--sh-2);
}
.leader-card__division {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--orange-600);
  margin-bottom: 2px;
}
.leader-card__top {
  display: flex;
  align-items: center;
  gap: 12px;
}
.leader-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  background: var(--navy-900);
  color: #fff;
  font-family: var(--font-mono);
  font-size: 0.86rem;
  font-weight: 700;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(17, 21, 38, 0.15);
}
.leader-card__avatar--muted {
  background: var(--navy-50);
  color: var(--navy-800);
  border: 1.5px solid var(--navy-100);
  box-shadow: none;
}
.leader-card__name { font-size: 1.02rem; color: var(--navy-950); margin: 0; }
.leader-card__role { display: block; font-size: 0.78rem; color: var(--orange-600); font-weight: 600; margin-top: 2px; }
.leader-card__exp {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--navy-800);
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  padding: 4px 10px;
  border-radius: var(--r-xs);
  width: fit-content;
}
.leader-card__bio { font-size: 0.85rem; color: var(--muted); line-height: 1.56; margin: 0; }
.leader-card__tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 6px;
  padding-top: 12px;
  border-top: 1px solid var(--line-soft);
}
.leader-tag {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--navy-800);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  padding: 2px 8px;
  border-radius: var(--r-xs);
}

/* Pan-India Presence Redesign */
.presence-layout {
  display: grid;
  grid-template-columns: 1fr 1.35fr;
  gap: 24px;
  align-items: start;
}
.presence-hq {
  display: grid;
  gap: 16px;
}
.presence-hq__card {
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  display: grid;
  gap: 8px;
  box-shadow: var(--sh-1);
}
.presence-hq__card--primary {
  border-color: rgba(209, 84, 15, 0.35);
  box-shadow: 0 4px 16px rgba(209, 84, 15, 0.08);
}
.presence-hq__badge {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--orange-600);
  letter-spacing: 0.06em;
}
.presence-hq__card h3 { font-size: 1.15rem; color: var(--navy-950); margin: 0; }
.presence-hq__card p { font-size: 0.88rem; color: var(--muted); margin: 0; }
.presence-hq__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 8px;
  padding-top: 12px;
  border-top: 1px solid var(--line-soft);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text);
}
.presence-hq__meta span { display: inline-flex; align-items: center; gap: 6px; }

.presence-network {
  padding: 26px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  display: grid;
  gap: 22px;
  box-shadow: var(--sh-1);
}
.presence-group-title {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.presence-group-title h4 {
  margin: 0;
  font-size: 0.86rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy-950);
}
.presence-counter {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 700;
  background: var(--navy-50);
  color: var(--navy-800);
  border: 1px solid var(--navy-100);
  padding: 2px 8px;
  border-radius: var(--r-xs);
}
.presence-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.presence-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 6px 12px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--r-xs);
  transition: all 0.18s ease;
}
.presence-tag:hover {
  border-color: var(--navy-700);
  background: #ffffff;
}
.presence-tag--state {
  background: var(--navy-50);
  border-color: var(--navy-100);
  color: var(--navy-900);
}

/* Milestone Timeline Track */
.split--milestones {
  grid-template-columns: 1fr 1.25fr;
  gap: 48px;
  align-items: center;
}
.about-media {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--sh-3);
}
.about-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.about-media-badge {
  position: absolute;
  bottom: 20px;
  left: 20px;
  right: 20px;
  background: rgba(12, 16, 36, 0.92);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--r);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  color: #fff;
}
.about-media-badge__icon {
  width: 40px;
  height: 40px;
  border-radius: var(--r-sm);
  background: var(--orange-500);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.about-media-badge strong {
  display: block;
  font-size: 0.94rem;
  color: #fff;
}
.about-media-badge span {
  display: block;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.75);
}

.about-timeline {
  display: grid;
  gap: 18px;
  position: relative;
}
.about-timeline::before {
  content: "";
  position: absolute;
  left: 28px;
  top: 15px;
  bottom: 25px;
  width: 2px;
  background: var(--line);
}
.about-timeline__item {
  display: grid;
  grid-template-columns: 58px 1fr;
  gap: 18px;
  align-items: start;
  position: relative;
}
.about-timeline__node {
  width: 58px;
  height: 32px;
  border-radius: var(--r-xs);
  background: var(--navy-50);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
  font-family: var(--font-mono);
  font-size: 0.76rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
}
.about-timeline__node--active {
  background: var(--navy-900);
  color: #ffffff;
  border-color: var(--navy-900);
  box-shadow: 0 0 0 3px rgba(27, 34, 75, 0.15);
}
.about-timeline__content {
  background: #ffffff;
  border: 1px solid var(--line-soft);
  border-radius: var(--r);
  padding: 14px 18px;
  box-shadow: var(--sh-1);
}
.about-timeline__content h4 {
  margin: 0 0 4px;
  font-size: 0.98rem;
  color: var(--navy-950);
}
.about-timeline__content p {
  margin: 0;
  font-size: 0.84rem;
  color: var(--muted);
  line-height: 1.55;
}

/* Compliance Safeguards Grid */
.about-compliance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}
.about-compliance-card {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 26px 22px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: var(--sh-1);
  transition: transform 0.22s var(--ease), border-color 0.22s var(--ease);
}
.about-compliance-card:hover {
  transform: translateY(-5px);
  border-color: var(--navy-700);
  box-shadow: var(--sh-2);
}
.about-compliance-card__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--r);
  background: var(--navy-50);
  color: var(--navy-800);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--navy-100);
}
.about-compliance-card h3 {
  font-size: 1.08rem;
  color: var(--navy-950);
  margin: 0;
}
.about-compliance-card p {
  font-size: 0.86rem;
  color: var(--muted);
  line-height: 1.58;
  margin: 0;
  flex-grow: 1;
}
/* ==========================================================================
   Public Profile & Micro Enterprise Statutory Credentials
   ========================================================================== */
.public-profile-section {
  padding: 0 0 36px;
  margin-top: -20px;
  position: relative;
  z-index: 5;
}
.public-profile-card {
  background: #ffffff;
  border: 1px solid rgba(27, 34, 75, 0.12);
  border-radius: var(--r-xl);
  box-shadow: 0 16px 36px -12px rgba(17, 25, 60, 0.12), 0 2px 8px rgba(17, 25, 60, 0.04);
  padding: 24px 28px;
  position: relative;
  overflow: hidden;
}
.public-profile-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy-800), var(--orange-500), var(--green-600));
}
.public-profile-card__head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line-soft);
  margin-bottom: 20px;
}
.public-profile-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy-950);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.public-profile-pulse {
  position: relative;
  width: 10px;
  height: 10px;
  background: var(--green-600);
  border-radius: 50%;
  display: inline-block;
}
.public-profile-pulse::after {
  content: "";
  position: absolute;
  top: -3px;
  left: -3px;
  right: -3px;
  bottom: -3px;
  border-radius: 50%;
  background: rgba(30, 154, 86, 0.35);
  animation: pulseDot 2s infinite;
}
.public-profile-tagline {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy-800);
  background: var(--navy-50);
  padding: 4px 12px;
  border-radius: 999px;
  border: 1px solid var(--navy-100);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.public-profile-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 16px;
}
.public-profile-item {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 12px 14px;
  border-radius: var(--r-md);
  background: var(--bg-soft);
  border: 1px solid var(--line-soft);
  transition: all 0.2s var(--ease);
}
.public-profile-item:hover {
  background: #ffffff;
  border-color: var(--navy-300);
  transform: translateY(-2px);
  box-shadow: var(--sh-1);
}
.public-profile-item__label {
  font-size: 0.73rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 5px;
}
.public-profile-item__label .icon {
  width: 13px;
  height: 13px;
  color: var(--orange-600);
}
.public-profile-item__val {
  font-size: 0.94rem;
  font-weight: 700;
  color: var(--navy-950);
  line-height: 1.35;
}
.public-profile-item__pill {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--green-100);
  color: var(--green-800);
  padding: 2px 8px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
}
@media (max-width: 1100px) {
  .public-profile-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}
@media (max-width: 680px) {
  .public-profile-section {
    margin-top: -10px;
    padding-bottom: 24px;
  }
  .public-profile-card {
    padding: 18px 16px;
  }
  .public-profile-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }
}
@media (max-width: 440px) {
  .public-profile-grid {
    grid-template-columns: 1fr;
  }
}

/* Responsive Queries for About Page */
@media (max-width: 1040px) {
  .about-hero__grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 32px;
  }
  .about-pillars-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .leadership-grid--2, .leadership-grid--4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .split--milestones {
    grid-template-columns: minmax(0, 1fr);
  }
  .about-compliance-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}
@media (max-width: 680px) {
  .about-vision-grid {
    grid-template-columns: minmax(0, 1fr);
  }
  .about-mission-grid {
    grid-template-columns: minmax(0, 1fr);
  }
  .about-pillars-grid {
    grid-template-columns: minmax(0, 1fr);
  }
  .leadership-grid--2, .leadership-grid--4 {
    grid-template-columns: minmax(0, 1fr);
  }
  .about-hero__matrix {
    grid-template-columns: minmax(0, 1fr);
  }
}

/* Contact Consent Details */
.consent-details {
  padding: 10px 14px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--r-xs);
  font-size: 0.78rem;
  color: var(--muted);
}
.consent-details summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--text);
}
.consent-details p {
  margin-top: 8px;
  line-height: 1.55;
}

/* Comprehensive Footer Directory & Locations */
.footer-directory {
  padding: 28px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-directory__head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: baseline;
  gap: 8px;
  margin-bottom: 18px;
}
.footer-directory__title {
  color: #fff;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.footer-directory__sub {
  font-size: 0.76rem;
  color: rgba(255, 255, 255, 0.5);
}
.footer-directory__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}
.footer-directory__col h5 {
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.footer-directory__col ul {
  display: grid;
  gap: 6px;
}
.footer-directory__col a {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.58);
  transition: color 0.15s;
}
.footer-directory__col a:hover {
  color: #fff;
  text-decoration: underline;
}
.footer-locations {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 14px;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-locations__label {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.76rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.85);
}
.footer-locations__label .icon { color: var(--orange-500); }
.footer-locations__list {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 12px;
}
.footer-locations__list a {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
}
.footer-locations__list a:hover {
  color: #fff;
  text-decoration: underline;
}

/* Floating Quick Apply & WhatsApp Dock */
.quick-dock {
  position: fixed;
  right: 20px;
  bottom: 72px;
  z-index: 89;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.quick-dock__item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 14px;
  border-radius: var(--r-sm);
  font-size: 0.78rem;
  font-weight: 700;
  box-shadow: var(--sh-2);
  border: 1px solid rgba(255, 255, 255, 0.14);
  transition: transform 0.15s ease, background-color 0.15s ease;
}
.quick-dock__item:hover {
  transform: translateY(-1px);
}
.quick-dock__item--wa {
  background: #fff;
  color: var(--ink);
  border-color: var(--line);
}
.quick-dock__item--wa .icon { color: #15803d; }
.quick-dock__item--apply {
  background: var(--orange-600);
  color: #fff;
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1120px) {
  .header-phone span { display: none; }
  .topbar__left span:not(.topbar__badge) { display: none; }
}

@media (max-width: 1040px) {
  .main-nav { display: none; }
  .nav-toggle { display: grid; }
  .header-actions { margin-left: auto; }
  .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hairline-grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hairline-grid--4 .hairline-cell:nth-child(2n) { border-right: 0; }
  .hairline-grid--4 .hairline-cell:nth-child(-n+2) { border-bottom: 1px solid var(--line-soft); }
  .steps, .steps--5 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .step:nth-child(2n) { border-right: 0; }
  .step { border-bottom: 1px solid var(--line-soft); }
  .partners-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .awards-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .leadership-grid--3, .leadership-grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-directory__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-top { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-brand { grid-column: 1 / -1; max-width: 560px; }
  .option-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .uses-panel { grid-template-columns: minmax(0, 1fr); gap: 20px; }
  .t-slider { --slides-per-view: 2; }
}

@media (max-width: 920px) {
  :root { --header-h: 68px; }
  .brand__mark { width: 44px; height: 44px; }
  .brand__text strong { font-size: 1.15rem; }
  .brand__text span { font-size: 0.68rem; }
  .footer-brand .brand__mark { width: 52px; height: 52px; }
  .topbar { display: none; }
  .hero__grid, .loan-hero__grid, .split, .split--wide-left, .split--wide-right, .split--faq, .panel-split, .legal-layout, .standard-grid, .insights-grid, .presence-layout, .advisory-pair {
    grid-template-columns: minmax(0, 1fr);
  }
  .process-intro, .legal-nav, .elig__result { position: static; }
  .grid--3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stat:nth-child(1), .stat:nth-child(3) { padding-left: 0; }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .calc { grid-template-columns: minmax(0, 1fr); }
  .calc__result { border-left: 0; border-top: 1px solid var(--navy-800); }
  .elig { grid-template-columns: minmax(0, 1fr); }
  .cta-band { grid-template-columns: minmax(0, 1fr); }
  .section-head--row { grid-template-columns: minmax(0, 1fr); }
}

@media (max-width: 680px) {
  .grid--2, .grid--3, .grid--4, .hairline-grid--2, .hairline-grid--4, .standard-pillars, .awards-grid, .leadership-grid--3, .leadership-grid--4, .footer-directory__grid { grid-template-columns: minmax(0, 1fr); }
  .partners-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hairline-cell { border-right: 0 !important; border-bottom: 1px solid var(--line-soft) !important; }
  .hairline-cell:last-child { border-bottom: 0 !important; }
  .uses-panel__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .form-grid { grid-template-columns: minmax(0, 1fr); }
  .cibil-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .key-facts { grid-template-columns: minmax(0, 1fr); }
  .key-fact { border-right: 0; border-bottom: 1px solid var(--line-soft); display: flex; justify-content: space-between; align-items: center; }
  .key-fact:last-child { border-bottom: 0; }
  .key-fact span { margin: 0; }
  .spec-sheet__grid { grid-template-columns: minmax(0, 1fr); }
  .spec-sheet__grid > div { border-right: 0; border-bottom: 1px solid var(--line-soft) !important; }
  .spec-sheet__grid > div:last-child { border-bottom: 0 !important; }
  .spec-sheet__example-row { grid-template-columns: minmax(0, 1fr); gap: 8px; }
  .spec-sheet__example-row > div { display: flex; justify-content: space-between; align-items: baseline; }
  .hero__facts { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
  .hero__fact { padding-right: 8px; }
  .hero__products-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hero__caption { flex-direction: column; align-items: flex-start; gap: 8px; }
  .steps, .steps--5 { grid-template-columns: minmax(0, 1fr); }
  .step { border-right: 0; border-bottom: 1px solid var(--line-soft); }
  .step:last-child { border-bottom: 0; }
  .newsletter-box__row { flex-direction: column; }
  .footer-top { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px; }
  .header-actions .btn, .header-phone { display: none; }
  .t-slider { --slides-per-view: 1; }
  .quick-dock { display: none; }

  .mobile-cta {
    display: grid;
    grid-template-columns: 1fr 1fr 1.3fr;
    gap: 8px;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 95;
    padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
    background: #ffffff;
    border-top: 1px solid var(--line);
    box-shadow: 0 -4px 16px rgba(17, 21, 38, 0.08);
    transform: translateY(105%);
    transition: transform 0.25s var(--ease);
  }
  .mobile-cta.is-visible { transform: translateY(0); }
  .mobile-cta a {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    min-height: 42px;
    border-radius: var(--r-sm);
    font-weight: 600;
    font-size: 0.84rem;
    color: var(--ink);
    background: var(--bg-cool);
    border: 1px solid var(--line);
  }
  .mobile-cta a .icon { width: 16px; height: 16px; }
  .mobile-cta a.is-primary {
    background: var(--navy-800);
    border-color: var(--navy-800);
    color: #fff;
  }
  .to-top { display: none; }
  .site-footer { padding-bottom: 76px; }
}

@media (max-width: 520px) {
  .uses-panel__grid, .partners-grid { grid-template-columns: minmax(0, 1fr); }
  .hero__facts { grid-template-columns: minmax(0, 1fr); gap: 10px; }
  .hero__fact { border-right: 0; padding-right: 0; display: flex; justify-content: space-between; align-items: baseline; border-bottom: 1px solid var(--line-soft); padding-bottom: 8px; }
  .hero__fact:last-child { border-bottom: 0; padding-bottom: 0; }
  .hero__products-list { grid-template-columns: minmax(0, 1fr); }
  .hero__assurance-strip { grid-template-columns: minmax(0, 1fr); }
  .hero__assurance-strip > div { border-right: 0; border-bottom: 1px solid rgba(255, 255, 255, 0.08); display: flex; justify-content: space-between; align-items: baseline; padding: 10px 16px; }
  .hero__assurance-strip > div:last-child { border-bottom: 0; }
  .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stat { padding: 18px 12px; }
  .btn-row, .hero__actions { width: 100%; }
  .btn-row .btn, .hero__actions .btn { flex: 1 1 100%; }
  .footer-top { grid-template-columns: minmax(0, 1fr); }
  .footer-bottom { flex-direction: column; }
  .escalation-tier__sla { margin-left: 0; }
}

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

@media print {
  .topbar, .site-header, .site-footer, .mobile-cta, .quick-dock, .to-top, .cta-band { display: none !important; }
}