/* ==========================================
   VISIONARY PATH SERVICES - Main Stylesheet
   UI/UX Pro Max · Anti-AI-Slop Industry Edition
   ========================================== */

/* ─────────────────────────────────────────────────────────────────────
   DESIGN TOKENS — All CSS custom properties are defined in
   css/design-system.css which loads before this file.
   Do NOT re-define tokens here. Use var() to reference them.
   ───────────────────────────────────────────────────────────────────── */

/* --- CSS Reset & Base --- */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}


html {
    scroll-behavior: smooth;
    overflow-x: clip;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
}

body {
    font-family: var(--font-body);
    font-size: 15px;
    color: var(--text-body);
    background: var(--white);
    line-height: 1.6;
    letter-spacing: -0.011em;
    overflow-x: clip;
}

/* Modals & Drawers Scroll Lock */
body.menu-open,
body.modal-open {
    overflow: hidden !important;
}

/* Typography Balance & Financial Numerals */
h1, h2, h3, h4, h5, h6,
.section-title, .exact-hero-title, .why-main-title, .page-hero h1,
.tools-heading, .pan-india-title, .bridging-title, .popup-title {
    font-family: var(--font-display);
    color: var(--navy);
    font-weight: 800;
    letter-spacing: -0.025em;
    line-height: 1.2;
    text-wrap: balance;
}

p, .exact-hero-lead, .pan-india-sub, .bridging-sub, .why-sub, .calc-disclaimer, .footer-about-text {
    text-wrap: pretty;
}

/* Tabular Numerals for Financial Data */
.calc-result-hero,
.calc-val-input,
.calc-breakdown-row span:last-child,
.emi-result-amount,
.emi-val-badge,
.stat-number,
.contact-num,
.top-bar,
.pan-card-num,
.w-num,
.marquee-card-badge {
    font-variant-numeric: tabular-nums;
}

a {
    text-decoration: none;
    color: inherit;
    transition-property: color, background-color, border-color, opacity, transform;
    transition-duration: 0.2s;
    transition-timing-function: cubic-bezier(0.16, 1, 0.3, 1);
}

ul { list-style: none; }
img { max-width: 100%; display: block; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 72px 0; }
.bg-light { background: var(--bg-light); }

/* Utility Green & Bar */
.green-highlight { color: var(--green); }
.green-bar {
    display: inline-block;
    width: 32px;
    height: 3px;
    background: var(--green);
    border-radius: 2px;
}
.brand-eyebrow {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 12px;
}
.brand-eyebrow .eyebrow-text {
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 1.4px;
    color: var(--navy);
    text-transform: uppercase;
}

/* --- TOP BAR --- */
.top-bar {
    background: var(--navy);
    color: #ffffff;
    padding: 6px 0;
    font-size: 12.5px;
    letter-spacing: 0.1px;
}
.top-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.top-bar-dash { color: #f97316; font-weight: 700; margin-right: 6px; }
.top-bar-right {
    display: flex;
    align-items: center;
    gap: 12px;
}
.top-bar-right a {
    color: rgba(255,255,255,0.85);
    transition: var(--transition);
    font-size: 14px;
    display: inline-flex;
    align-items: center;
}
.top-bar-right a:hover { color: #38bdf8; }
.contact-num { font-weight: 600; display: inline-flex; align-items: center; gap: 6px; }
.contact-num i { color: #38bdf8; }
.top-sep { opacity: 0.3; }

/* Standard upright call icon direction — ensures all phone icons face natural (up-right ↗) orientation */
.fa-phone-alt { transform: scaleX(-1); display: inline-block; }

/* --- NAVBAR --- */
.navbar {
    background: #ffffff;
    padding: 9px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 16px rgba(13,43,94,0.06);
    transition: var(--transition);
}
.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    flex-shrink: 0;
}
.vps-brand-mark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform var(--transition-bounce);
}
.logo:hover .vps-brand-mark {
    transform: scale(1.06) translateY(-1px);
}
.vps-flash-svg {
    display: block;
    filter: drop-shadow(0 2px 6px rgba(255, 90, 0, 0.28));
}
.logo-text { display: flex; flex-direction: column; }
.logo-name {
    font-family: var(--font-display);
    font-size: 18.5px;
    font-weight: 800;
    color: var(--color-navy);
    letter-spacing: 0.06em;
    line-height: 1.1;
    text-transform: uppercase;
    transition: var(--transition);
}
.logo:hover .logo-name {
    color: var(--color-navy);
}
.logo-sub, .logo-tagline {
    font-family: var(--font-display);
    font-size: 9px;
    color: var(--color-orange);
    font-weight: 700;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    line-height: 1.2;
    margin-top: 2px;
    display: flex;
    align-items: center;
    gap: 5px;
}
.logo-sub-line {
    display: inline-block;
    height: 1.5px;
    width: 14px;
    background: var(--color-orange);
    border-radius: 1px;
    opacity: 0.75;
}
.logo-dark .logo-name {
    color: #ffffff;
}
.logo-dark:hover .logo-name {
    color: #ffffff;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2px;
    margin: 0;
    padding: 0;
    list-style: none;
}
.nav-links li { position: relative; }
.nav-links a {
    font-size: 13.5px;
    font-weight: 600;
    color: var(--navy);
    padding: 7px 11px;
    border-radius: 8px;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 4px;
    white-space: nowrap;
}
.nav-links a i { font-size: 9px; margin-left: 3px; opacity: 0.7; transition: transform 0.25s ease; }
.nav-links li:hover > a,
.nav-links a:hover,
.nav-links a.active {
    color: var(--blue);
    background: var(--blue-light);
}
.nav-links li:hover > a i.fa-chevron-down {
    transform: rotate(180deg);
}

/* Invisible hover bridge for dropdown parent items */
.has-dropdown::after {
    content: '';
    position: absolute;
    top: 100%;
    left: -10px;
    width: calc(100% + 20px);
    height: 14px;
    background: transparent;
    z-index: 999;
}

/* ==========================================
   MEGA DROPDOWN - SERVICES
   ========================================== */
.services-dropdown {
    position: relative;
}

.mega-dropdown {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: calc(100% + 6px);
    left: 0;
    background: #ffffff;
    box-shadow: 0 20px 48px -8px rgba(13, 43, 94, 0.18), 0 4px 16px rgba(0, 0, 0, 0.04);
    border-radius: 16px;
    border: 1px solid rgba(226, 232, 240, 0.95);
    z-index: 1000;
    width: 650px;
    padding: 18px 20px 0 20px;
    overflow: visible;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(6px);
    transition: opacity 0.2s cubic-bezier(0.16, 1, 0.3, 1), 
                transform 0.2s cubic-bezier(0.16, 1, 0.3, 1), 
                visibility 0.2s;
}

/* Hover bridge on mega dropdown */
.mega-dropdown::after {
    content: '';
    position: absolute;
    top: -12px;
    left: 0;
    width: 100%;
    height: 12px;
    background: transparent;
}

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

/* Caret / Pointer directly under Services */
.mega-dropdown::before {
    content: '';
    position: absolute;
    top: -6px;
    left: 42px;
    width: 12px;
    height: 12px;
    background: #ffffff;
    transform: rotate(45deg);
    border-top: 1px solid rgba(226, 232, 240, 0.95);
    border-left: 1px solid rgba(226, 232, 240, 0.95);
    z-index: 2;
}

.mega-body {
    display: grid;
    grid-template-columns: 1.18fr 1fr;
    gap: 22px;
    padding-bottom: 16px;
}

/* Section Headers */
.mega-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px;
    padding-bottom: 6px;
    border-bottom: 1px solid #f1f5f9;
}
.mega-header-title {
    display: flex;
    align-items: center;
    gap: 7px;
    font-family: var(--font-display);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--navy);
}
.mega-header-title i {
    font-size: 12px;
    color: var(--green);
}
.mega-header-pill {
    font-size: 10px;
    font-weight: 700;
    color: #64748b;
    background: #f1f5f9;
    padding: 2px 7px;
    border-radius: 20px;
    letter-spacing: 0.02em;
}

/* Left Column: Loan Cards */
.mega-col-loans {
    border-right: 1px solid #f1f5f9;
    padding-right: 18px;
    display: flex;
    flex-direction: column;
}
.mega-loan-items {
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.mega-loan-card {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 8px 10px;
    border-radius: 10px;
    transition: var(--transition);
    text-decoration: none;
}
.mega-loan-card:hover {
    background: #f8fbff;
    transform: translateX(2px);
}
.mega-icon-badge {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    flex-shrink: 0;
    transition: var(--transition);
}
.mega-icon-badge.bg-blue { background: #eff6ff; color: #1d4ed8; }
.mega-icon-badge.bg-green { background: #f0fdf4; color: #15803d; }
.mega-icon-badge.bg-teal { background: #f0fdfa; color: #0f766e; }
.mega-icon-badge.bg-amber { background: #fffbeb; color: #b45309; }

.mega-loan-card:hover .mega-icon-badge.bg-blue { background: #1d4ed8; color: #ffffff; }
.mega-loan-card:hover .mega-icon-badge.bg-green { background: #15803d; color: #ffffff; }
.mega-loan-card:hover .mega-icon-badge.bg-teal { background: #0f766e; color: #ffffff; }
.mega-loan-card:hover .mega-icon-badge.bg-amber { background: #b45309; color: #ffffff; }

.mega-loan-info {
    display: flex;
    flex-direction: column;
    gap: 1px;
}
.mega-loan-title {
    font-family: var(--font-display);
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.25;
}
.mega-loan-card:hover .mega-loan-title {
    color: var(--blue);
}
.mega-loan-desc {
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 400;
    color: var(--text-muted);
    line-height: 1.3;
}

/* Right Column: Countries Grid */
.mega-col-countries {
    display: flex;
    flex-direction: column;
}
.mega-countries-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 4px 6px;
}
.mega-country-link {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 7px 9px;
    border-radius: 8px;
    transition: var(--transition);
    text-decoration: none;
    background: transparent;
}
.mega-country-link:hover {
    background: #f8fbff;
    transform: translateX(2px);
}
.country-flag {
    font-size: 15px;
    line-height: 1;
    display: inline-block;
}
.country-name {
    font-family: var(--font-display);
    font-size: 12.5px;
    font-weight: 600;
    color: var(--navy);
    white-space: nowrap;
    transition: var(--transition);
}
.mega-country-link:hover .country-name {
    color: var(--blue);
}

/* Mega Footer */
.mega-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin: 0 -20px;
    padding: 11px 20px;
    background: #f8fafc;
    border-top: 1px solid #edf2f7;
    border-radius: 0 0 16px 16px;
}
.mega-footer-left {
    display: flex;
    align-items: center;
    gap: 8px;
}
.mega-footer-tag {
    font-size: 9.5px;
    font-weight: 800;
    letter-spacing: 0.05em;
    color: var(--green);
    background: var(--green-bg);
    padding: 2px 7px;
    border-radius: 4px;
    border: 1px solid rgba(26, 156, 78, 0.2);
    text-transform: uppercase;
}
.mega-footer-note {
    font-size: 11.5px;
    color: var(--text-muted);
    font-weight: 500;
}
.mega-footer-cta {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-family: var(--font-display);
    font-size: 12px;
    font-weight: 700;
    color: var(--blue);
    text-decoration: none;
    transition: var(--transition);
}
.mega-footer-cta:hover {
    color: var(--green);
    transform: translateX(3px);
}
.mega-footer-cta i {
    font-size: 10px;
}

/* More Dropdown */
.more-dropdown {
    position: absolute;
    top: calc(100% + 6px);
    left: 50%;
    transform: translateX(-50%) translateY(6px);
    background: #ffffff;
    box-shadow: 0 12px 32px rgba(13,43,94,0.13), 0 2px 8px rgba(0,0,0,0.04);
    border-radius: 14px;
    border: 1px solid rgba(226,232,240,0.9);
    min-width: 210px;
    padding: 8px;
    z-index: 1001;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.2s cubic-bezier(0.16, 1, 0.3, 1), 
                transform 0.2s cubic-bezier(0.16, 1, 0.3, 1), 
                visibility 0.2s;
}

/* Hover bridge for more dropdown */
.more-dropdown::after {
    content: '';
    position: absolute;
    top: -12px;
    left: 0;
    width: 100%;
    height: 12px;
    background: transparent;
}

.more-dropdown::before {
    content: '';
    position: absolute;
    top: -6px;
    left: 50%;
    transform: translateX(-50%) rotate(45deg);
    width: 12px;
    height: 12px;
    background: #ffffff;
    border-top: 1px solid rgba(226,232,240,0.9);
    border-left: 1px solid rgba(226,232,240,0.9);
}

.has-dropdown:hover .more-dropdown {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateX(-50%) translateY(0);
}

.more-dropdown-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 9px 12px;
    border-radius: 9px;
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    text-decoration: none;
    transition: var(--transition);
}
.more-dropdown-item:hover {
    background: var(--bg-light);
    color: var(--blue);
}
.more-dropdown-item i {
    font-size: 13px;
    width: 18px;
    text-align: center;
    color: var(--green);
    opacity: 0.85;
    flex-shrink: 0;
}
.more-dropdown-divider {
    height: 1px;
    background: #f1f5f9;
    margin: 4px 8px;
}

.nav-cta {
    display: flex;
    gap: 8px;
    align-items: center;
    flex-shrink: 0;
}

/* Global Buttons & Microinteractions */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 22px;
    border-radius: var(--radius-full);
    font-family: var(--font-display);
    font-size: 13.5px;
    font-weight: 700;
    letter-spacing: -0.01em;
    cursor: pointer;
    transition-property: transform, box-shadow, background-color, border-color, color;
    transition-duration: 0.2s;
    transition-timing-function: cubic-bezier(0.16, 1, 0.3, 1);
    border: 1px solid transparent;
    white-space: nowrap;
    text-decoration: none;
    line-height: 1.2;
    will-change: transform;
}

.btn:focus-visible {
    outline: 2px solid var(--blue);
    outline-offset: 3px;
    box-shadow: 0 0 0 4px rgba(29, 78, 216, 0.2);
}

.btn:active {
    transform: translateY(1px) scale(0.98);
}

.btn-primary, .btn-eligibility {
    background: var(--blue);
    color: #ffffff !important;
    padding: 9px 20px;
    font-size: 13px;
    font-weight: 700;
    border-radius: var(--radius-full);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.2), var(--shadow-sm);
}

.btn-primary:hover, .btn-eligibility:hover {
    background: var(--blue-dark);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.2), var(--shadow-md);
    transform: translateY(-1.5px);
    color: #ffffff !important;
}

/* Streamlined WhatsApp Nav Contact */
.btn-whatsapp-nav {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 9px 18px;
    border-radius: 12px;
    font-family: var(--font-display, 'Manrope', -apple-system, sans-serif);
    font-size: 13.5px;
    font-weight: 700;
    letter-spacing: -0.01em;
    background: #17803d;
    color: #ffffff !important;
    border: none;
    text-decoration: none;
    transition-property: transform, box-shadow, background-color;
    transition-duration: 0.2s;
    transition-timing-function: cubic-bezier(0.16, 1, 0.3, 1);
    white-space: nowrap;
    line-height: 1.2;
    box-shadow: 0 3px 10px rgba(23, 128, 61, 0.28);
}
.btn-whatsapp-nav i {
    font-size: 16px;
    color: #ffffff !important;
    line-height: 1;
}
.btn-whatsapp-nav:hover {
    background: #15803d;
    color: #ffffff !important;
    box-shadow: 0 6px 18px rgba(23, 128, 61, 0.4);
    transform: translateY(-1.5px);
}
.btn-whatsapp-nav:hover i {
    color: #ffffff !important;
}

/* Backward compatibility for other pages */
.btn-whatsapp, .btn-whatsapp-header {
    background: var(--green-bg);
    color: var(--green-dark) !important;
    border: 1.5px solid #a7f3d0;
    padding: 8px 16px;
    font-size: 12.5px;
    border-radius: var(--radius-full);
    box-shadow: none;
}

.btn-whatsapp:hover, .btn-whatsapp-header:hover {
    background: var(--green);
    color: #ffffff !important;
    border-color: var(--green);
    box-shadow: 0 4px 14px rgba(5, 150, 105, 0.28);
    transform: translateY(-1.5px);
}

.btn-lg {
    padding: 13px 28px;
    font-size: 14.5px;
}

.btn-full {
    width: 100%;
}

/* Hallmark · component: hamburger · genre: modern-minimal · theme: catalog (VPS brand)
 * states: default · hover · focus · active · disabled · loading · error · success
 * contrast: pass (46–50)
 */
.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    width: 44px;
    height: 44px;
    min-width: 44px;
    min-height: 44px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0;
    margin: 0;
    gap: 5px;
    border-radius: var(--radius-sm, 8px);
    transition: background-color 0.18s ease, transform 0.14s ease, outline-color 0.18s ease;
    -webkit-tap-highlight-color: transparent;
}
.hamburger:hover,
.hamburger.is-hover {
    background: rgba(11, 31, 51, 0.06);
}
.hamburger:focus-visible,
.hamburger.is-focus {
    outline: 2px solid var(--color-orange, #FF5A00);
    outline-offset: 2px;
    background: rgba(255, 90, 0, 0.08);
}
.hamburger:active,
.hamburger.is-active {
    transform: scale(0.92);
    background: rgba(11, 31, 51, 0.10);
}
.hamburger:disabled,
.hamburger[disabled],
.hamburger.is-disabled {
    opacity: 0.4;
    cursor: not-allowed;
    pointer-events: none;
}
.hamburger[data-state="loading"],
.hamburger.is-loading {
    opacity: 0.65;
    pointer-events: none;
}
.hamburger[data-state="error"],
.hamburger.is-error {
    outline: 2px solid #EF4444;
    outline-offset: 2px;
}
.hamburger[data-state="success"],
.hamburger.is-success {
    outline: 2px solid #10B981;
    outline-offset: 2px;
}
.hamburger span {
    display: block;
    width: 22px;
    height: 2.5px;
    background: var(--navy, #0B1F33);
    border-radius: 2px;
    transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.2s ease, background-color 0.2s ease;
    transform-origin: center;
}
.hamburger.open {
    background: rgba(11, 31, 51, 0.05);
}
.hamburger.open:hover,
.hamburger.open.is-hover {
    background: rgba(255, 90, 0, 0.10);
}
.hamburger.open span {
    background: var(--color-orange, #FF5A00);
}
.hamburger.open span:nth-child(1) {
    transform: translateY(7.5px) rotate(45deg);
}
.hamburger.open span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}
.hamburger.open span:nth-child(3) {
    transform: translateY(-7.5px) rotate(-45deg);
}

/* ==========================================
   1. HERO SECTION (Refined Visual Hierarchy)
   ========================================== */
.exact-hero {
    background-color: #ffffff;
    position: relative;
    overflow: hidden;
}
.exact-hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(ellipse 750px 550px at 85% 45%, rgba(14, 165, 233, 0.08) 0%, rgba(16, 185, 129, 0.05) 45%, transparent 70%);
    z-index: 0;
    pointer-events: none;
}
.exact-hero-container { position: relative; z-index: 1; }
.exact-hero-grid {
    display: flex;
    align-items: center;
    min-height: 480px;
    padding: 50px 0 56px;
}
.exact-hero-content {
    max-width: 520px;
    position: relative;
    z-index: 2;
}
.brand-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 14px;
}
.green-bar {
    width: 22px;
    height: 3px;
    background: var(--green);
    border-radius: 2px;
}
.eyebrow-text {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.1px;
    color: var(--navy);
    text-transform: uppercase;
}
.exact-hero-title {
    font-size: clamp(34px, 4vw, 48px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.15;
    letter-spacing: -0.025em;
    margin-bottom: 16px;
}
.exact-hero-lead {
    font-size: 15px;
    color: var(--slate-light);
    line-height: 1.62;
    margin-bottom: 14px;
    font-weight: 400;
    max-width: 490px;
}
.exact-hero-tag {
    font-size: 17px;
    font-weight: 800;
    color: var(--navy);
    margin-top: 14px;
    margin-bottom: 8px;
    line-height: 1.35;
}
.exact-hero-desc {
    font-size: 14px;
    color: var(--slate-light);
    line-height: 1.62;
    margin-bottom: 20px;
    max-width: 520px;
}

/* Hero loan-type quick pills */
.hero-loan-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 24px;
}
.hero-loan-pill {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 7px 16px;
    background: rgba(13,43,94,0.06);
    border: 1.5px solid rgba(13,43,94,0.12);
    border-radius: 50px;
    font-size: 12.5px;
    font-weight: 600;
    color: var(--navy);
    transition: var(--transition);
    cursor: pointer;
    text-decoration: none;
}
.hero-loan-pill i { color: var(--green); font-size: 11px; }
.hero-loan-pill:hover {
    background: var(--green-bg);
    border-color: var(--green);
    color: var(--green);
    transform: translateY(-1px);
}

.exact-hero-actions {
    display: flex;
    gap: 14px;
    align-items: center;
    margin-bottom: 18px;
    flex-wrap: wrap;
}
.btn-hero-primary {
    background: linear-gradient(135deg, var(--navy) 0%, #132e54 100%);
    color: #ffffff;
    padding: 13px 30px;
    font-size: 14.5px;
    font-weight: 700;
    border-radius: var(--radius-full);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.2), var(--shadow-md);
    display: inline-flex;
    align-items: center;
    gap: 8px;
    border: 1px solid rgba(255, 255, 255, 0.1);
    transition-property: transform, box-shadow, background-color;
    transition-duration: 0.2s;
    transition-timing-function: cubic-bezier(0.16, 1, 0.3, 1);
}
.btn-hero-primary:hover {
    background: linear-gradient(135deg, #061325 0%, #0d2b5e 100%);
    transform: translateY(-1.5px);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), var(--shadow-lg);
    color: #ffffff;
}
.btn-hero-secondary {
    background: #ffffff;
    border: 1.5px solid var(--border-color);
    color: var(--navy);
    padding: 12px 26px;
    font-size: 14px;
    font-weight: 600;
    border-radius: var(--radius-full);
    display: inline-flex;
    align-items: center;
    gap: 8px;
    box-shadow: var(--shadow-xs);
    transition-property: transform, box-shadow, background-color, border-color, color;
    transition-duration: 0.2s;
    transition-timing-function: cubic-bezier(0.16, 1, 0.3, 1);
}
.btn-hero-secondary:hover {
    border-color: var(--navy);
    color: var(--navy);
    background: #f8fafc;
    transform: translateY(-1.5px);
    box-shadow: var(--shadow-sm);
}
.exact-hero-safety {
    font-size: 12.5px;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 500;
}
.exact-hero-safety i { color: var(--green); font-size: 14px; }

/* 4 Pillars Bar */
.hero-pillars-bar {
    background: #ffffff;
    border-radius: 24px 24px 0 0;
    box-shadow: 0 -4px 30px rgba(13,43,94,0.06);
    padding: 30px 0;
    position: relative;
    z-index: 2;
}
.pillars-grid {
    display: flex;
    align-items: center;
    justify-content: space-around;
}
.pillar-item {
    text-align: center;
    padding: 0 16px;
}
.pillar-icon-circle {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: #f0f7ff;
    color: #1a56db;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin: 0 auto 10px;
    box-shadow: 0 4px 12px rgba(26,86,219,0.1);
}
.pillar-label {
    font-size: 13.5px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.4;
    display: block;
}
.pillar-divider {
    width: 1px;
    height: 54px;
    background: #e2e8f0;
}

/* ==========================================
   2. PAN INDIA SECTION (Screenshot 2 / Image 3)
   ========================================== */
.pan-india-section {
    padding: 60px 0;
    background: #ffffff;
}
.pan-india-box {
    background: #f1fdf6;
    border-radius: var(--radius-xl);
    padding: 48px 46px;
    border: 1px solid rgba(22, 163, 74, 0.22);
    display: flex;
    gap: 40px;
    align-items: center;
    box-shadow: 0 10px 30px -5px rgba(16, 185, 129, 0.06);
    overflow: hidden;
}
.pan-india-header {
    flex: 0 0 340px;
    max-width: 360px;
    min-width: 0;
}
.pan-india-title {
    font-size: clamp(26px, 2.7vw, 34px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.22;
    letter-spacing: -0.02em;
    margin-bottom: 14px;
    text-wrap: balance;
}
.pan-india-sub {
    font-size: 14.5px;
    color: var(--text-muted);
    line-height: 1.62;
    margin-bottom: 0;
    text-wrap: pretty;
}
.deco-dots {
    display: none;
}
.pan-india-cards {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
    flex: 1;
    min-width: 0;
}
.pan-card {
    background: #ffffff;
    border-radius: 18px;
    padding: 24px 22px;
    position: relative;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
    border: 1px solid rgba(0, 0, 0, 0.05);
    transition: transform var(--transition-bounce), box-shadow var(--transition-base), border-color var(--transition-base);
    min-width: 0;
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
}
.pan-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 28px -4px rgba(11, 31, 51, 0.09);
    border-color: rgba(22, 163, 74, 0.25);
}
.pan-card-badge {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: #ecfdf6;
    color: #16a34a;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    margin-bottom: 16px;
    flex-shrink: 0;
}
.pan-card-badge.blue-badge {
    background: #eff5fd;
    color: #215bdc;
}
.pan-card-num {
    position: absolute;
    top: 22px;
    right: 22px;
    font-size: 18px;
    font-weight: 700;
    font-variant-numeric: tabular-nums;
    color: #cfd8e3;
    line-height: 1;
}
.pan-card h3 {
    font-size: 16.5px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
    line-height: 1.35;
    letter-spacing: -0.01em;
}
.pan-card p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.5;
    text-wrap: pretty;
    margin: 0;
}

/* ==========================================
   3. BRIDGING THE GAP SECTION (Screenshot 3 / Image 4)
   ========================================== */
.bridging-section {
    padding: 70px 0;
    background: #f8fafc;
}
.bridging-inner { max-width: 1040px; margin: 0 auto; }
.bridging-title {
    font-size: clamp(26px, 3.2vw, 34px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.2;
    letter-spacing: -0.02em;
    margin-bottom: 12px;
}
.bridging-sub {
    font-size: 15.5px;
    color: #475569;
    line-height: 1.65;
    margin-bottom: 32px;
    max-width: 65ch;
}
.bridging-cards-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 24px;
}
.bridge-card {
    background: #ffffff;
    border-radius: var(--radius-xl);
    padding: 32px 30px;
    border: 1px solid #e2e8f0;
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition-bounce), box-shadow var(--transition-base), border-color var(--transition-base);
}
.bridge-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: #cbd5e1;
}
.bridge-card-top {
    display: flex;
    align-items: center;
    gap: 14px;
    position: relative;
    margin-bottom: 22px;
}
.bridge-icon-wrap {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
}
.bridge-icon-wrap.green-light { background: #ecfdf5; color: var(--green); box-shadow: var(--shadow-xs); }
.bridge-icon-wrap.blue-light { background: #eff6ff; color: var(--blue); box-shadow: var(--shadow-xs); }
.bridge-card-top h3 {
    font-size: 17px;
    font-weight: 800;
    color: var(--navy);
}
.bridge-number {
    position: absolute;
    right: 0;
    font-size: 24px;
    font-weight: 800;
    font-variant-numeric: tabular-nums;
    color: #cbd5e1;
}
.bridge-points { list-style: none; }
.bridge-points li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 14px;
    font-weight: 500;
    color: #334155;
    margin-bottom: 12px;
}
.circle-check {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--green);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
    flex-shrink: 0;
}
.disclosure-banner {
    background: #ffffff;
    border: 1px solid rgba(5, 150, 105, 0.25);
    border-left: 4px solid var(--green);
    border-radius: var(--radius-lg);
    padding: 16px 22px;
    display: flex;
    align-items: center;
    gap: 14px;
    box-shadow: var(--shadow-xs);
}
.disclosure-icon {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-sm);
    background: #ecfdf5;
    color: var(--green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    flex-shrink: 0;
}
.disclosure-text {
    font-size: 13.5px;
    color: #334155;
    line-height: 1.5;
    text-wrap: pretty;
}

/* ==========================================
   4. WHY VPS SECTION (Screenshot 4 / Image 5)
   ========================================== */
.why-vps-section {
    padding: 80px 0;
    background: #ffffff;
}
.why-top-eyebrow {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2.5px;
    color: var(--text-muted);
    text-align: center;
    margin-bottom: 14px;
}
.why-header-flex {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 46px;
    gap: 20px;
}
.handwritten-note {
    font-family: var(--font-display);
    font-size: 13.5px;
    color: var(--navy);
    font-weight: 700;
    line-height: 1.35;
    letter-spacing: -0.01em;
    background: #ffffff;
    padding: 10px 18px;
    border-radius: 50px;
    border: 1px solid #e2e8f0;
    box-shadow: 0 4px 16px rgba(13,43,94,0.06);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.handwritten-note.left-note {
    text-align: left;
}
.handwritten-note.right-note {
    text-align: right;
    color: var(--green);
    border-color: rgba(26, 156, 78, 0.25);
    background: #f0fdf4;
}
.popup-quote.handwritten,
.handwritten {
    font-family: var(--font-display);
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--green);
    background: var(--green-bg);
    padding: 5px 14px;
    border-radius: 50px;
    border: 1px solid rgba(26, 156, 78, 0.2);
    display: inline-block;
    margin-bottom: 8px;
}
.why-header-center {
    text-align: center;
    flex: 1;
}
.why-main-title {
    font-size: clamp(26px, 3.5vw, 36px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 10px;
}
.why-sub {
    font-size: 14.5px;
    color: var(--text-muted);
}

/* 9 Cards Grid */
.why-nine-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 40px;
}
.why-feature-card {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: var(--radius-lg);
    padding: 26px 22px;
    position: relative;
    box-shadow: var(--shadow-xs);
    transition: transform var(--transition-bounce), box-shadow var(--transition-base), border-color var(--transition-base);
}
.why-feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: #93c5fd;
}
.w-num {
    position: absolute;
    top: 18px;
    right: 18px;
    font-size: 18px;
    font-weight: 800;
    font-variant-numeric: tabular-nums;
    color: #cbd5e1;
}
.w-icon-circle {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 14px;
    box-shadow: var(--shadow-xs);
}
/* FinTech Institutional Harmonized Icon Palettes (Cobalt, Emerald, Slate Navy) */
.ic-blue   { background: #eff6ff; color: #1d4ed8; }
.ic-green  { background: #ecfdf5; color: #059669; }
.ic-yellow { background: #fefce8; color: #b45309; }
.ic-pink   { background: #eff6ff; color: #2563eb; }
.ic-purple { background: #f8fafc; color: #0a1d37; }
.ic-sky    { background: #f0fdfa; color: #0d9488; }
.ic-teal   { background: #ecfdf5; color: #047857; }
.ic-orange { background: #eff6ff; color: #1e40af; }
.ic-red    { background: #f8fafc; color: #334155; }

.why-feature-card h4 {
    font-size: 15px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 8px;
    line-height: 1.3;
}
.why-feature-card p {
    font-size: 12.5px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* Bottom Dream Banner */
.bottom-dream-banner {
    background: linear-gradient(135deg, var(--navy) 0%, #173d7a 100%);
    border-radius: 20px;
    padding: 30px 38px;
    display: flex;
    align-items: center;
    gap: 32px;
    color: #ffffff;
    box-shadow: 0 16px 40px rgba(13,43,94,0.18);
    position: relative;
    overflow: visible;
    margin-top: 25px;
}
.dream-banner-left {
    flex-shrink: 0;
    position: relative;
    z-index: 2;
}
.dream-books-img {
    max-height: 140px;
    width: auto;
    object-fit: contain;
    transform: translateY(-28px);
    filter: drop-shadow(0 14px 24px rgba(0, 0, 0, 0.35));
    transition: transform 0.3s ease, filter 0.3s ease;
    display: block;
}
.dream-books-img:hover {
    transform: translateY(-34px) scale(1.03);
    filter: drop-shadow(0 18px 28px rgba(0, 0, 0, 0.45));
}
.dream-banner-center {
    flex: 1;
    text-align: center;
}
.dream-top-tag {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
    color: rgba(255,255,255,0.75);
    display: block;
    margin-bottom: 6px;
}
.dream-heading {
    font-size: 24px;
    font-weight: 800;
    color: #ffffff;
    margin-bottom: 18px;
}
.dream-buttons {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}
.btn-dream-primary {
    background: #1a56db;
    color: #ffffff;
    padding: 12px 24px;
    font-size: 14px;
    border-radius: 50px;
    border: none;
    font-weight: 700;
    cursor: pointer;
    box-shadow: 0 4px 14px rgba(26,86,219,0.35);
    transition: var(--transition);
}
.btn-dream-primary:hover {
    background: #1646b3;
    transform: translateY(-2px);
}
.btn-dream-outline {
    background: transparent;
    border: 2px solid #ffffff;
    color: #ffffff;
    padding: 10px 24px;
    font-size: 14px;
    border-radius: 50px;
    font-weight: 700;
    transition: var(--transition);
}
.btn-dream-outline:hover {
    background: rgba(255,255,255,0.15);
    transform: translateY(-2px);
}
.dream-banner-right {
    flex-shrink: 0;
    text-align: center;
}
.dream-pills-row {
    display: flex;
    gap: 16px;
    margin-bottom: 10px;
}
.dream-pill {
    text-align: center;
    font-size: 11px;
    color: rgba(255,255,255,0.85);
}
.dream-pill i {
    display: block;
    font-size: 22px;
    color: #38bdf8;
    margin-bottom: 4px;
}
.dream-note-text {
    font-family: var(--font-display);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.01em;
    color: rgba(255,255,255,0.95);
}

/* ==========================================
   FOOTER (Standardized Across All Pages)
   ========================================== */
.footer {
    background: var(--navy);
    color: #ffffff;
    padding: 48px 0 0;
}
.footer-inner,
.footer-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr 1.25fr 1.35fr;
    gap: 28px;
    margin-bottom: 36px;
}
.footer-logo {
    display: flex;
    align-items: center;
    margin-bottom: 14px;
}
.footer-logo-name,
.footer-brand .logo-name {
    display: block;
    font-size: 15.5px;
    font-weight: 800;
    color: #ffffff;
    letter-spacing: -0.01em;
    line-height: 1.2;
}
.footer-logo-tagline,
.footer-brand .logo-sub {
    font-size: 9.5px;
    color: #4ade80;
    font-weight: 600;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    display: block;
    margin-top: 2px;
}
.footer-about-text,
.footer-desc {
    font-size: 13px;
    color: rgba(255,255,255,0.7);
    line-height: 1.6;
    margin-bottom: 16px;
}
.footer-socials { display: flex; gap: 10px; }
.footer-socials a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 14px;
    transition: var(--transition);
}
.footer-socials a:hover {
    background: var(--green);
    transform: translateY(-3px);
}
.footer-col h4 {
    font-size: 14.5px;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 16px;
    position: relative;
    letter-spacing: 0.2px;
}
.footer-col h4::after {
    content: '';
    display: block;
    width: 24px;
    height: 2px;
    background: var(--green);
    margin-top: 6px;
}
.footer-col ul,
.footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
}
.footer-col ul li,
.footer-links li { margin-bottom: 8px; }
.footer-col ul li a,
.footer-links li a {
    font-size: 13px;
    color: rgba(255,255,255,0.72);
    transition: var(--transition);
    display: inline-block;
}
.footer-col ul li a:hover,
.footer-links li a:hover {
    color: #38bdf8;
    padding-left: 4px;
}
.two-col-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px 12px;
}
.two-col-list li { margin-bottom: 6px !important; }
.two-col-list li a { font-size: 12px !important; }
.contact-list {
    list-style: none;
    padding: 0;
    margin: 0;
}
.contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    color: rgba(255,255,255,0.75);
    margin-bottom: 11px;
    line-height: 1.45;
}
.contact-list li i {
    color: var(--green);
    margin-top: 3px;
    font-size: 13px;
    width: 14px;
    text-align: center;
    flex-shrink: 0;
}
.contact-list li a { color: rgba(255,255,255,0.85); font-weight: 500; transition: var(--transition); }
.contact-list li a:hover { color: #38bdf8; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 16px 0;
}
.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12.5px;
    color: rgba(255,255,255,0.55);
}
.footer-bottom-links a {
    color: rgba(255,255,255,0.55);
    transition: var(--transition);
}
.footer-bottom-links a:hover { color: #ffffff; }

/* ==========================================
   POPUP MODAL (Industry-Grade Edition)
   ========================================== */
.popup-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(7, 25, 56, 0.72);
    z-index: 99999;
    align-items: center;
    justify-content: center;
    padding: 24px;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    opacity: 0;
    transition: opacity 0.3s ease;
}
.popup-overlay.active {
    display: flex;
    opacity: 1;
}
.popup-modal {
    background: #ffffff;
    border-radius: 26px;
    max-width: 950px;
    width: 100%;
    display: flex;
    overflow: hidden;
    max-height: 94vh;
    overflow-y: auto;
    position: relative;
    box-shadow: 0 25px 80px -12px rgba(7, 25, 56, 0.4), 0 0 0 1px rgba(255, 255, 255, 0.2);
    animation: modalSpringIn 0.38s cubic-bezier(0.16, 1, 0.3, 1);
}
@keyframes modalSpringIn {
    0% { opacity: 0; transform: scale(0.93) translateY(20px); }
    100% { opacity: 1; transform: scale(1) translateY(0); }
}
.popup-close {
    position: absolute;
    top: 18px;
    right: 18px;
    background: #f1f5f9;
    border: 1px solid #e2e8f0;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
    z-index: 10;
    transition: all 0.2s ease;
    color: #64748b;
    display: flex;
    align-items: center;
    justify-content: center;
}
.popup-close:hover {
    background: #fee2e2;
    color: #dc2626;
    border-color: #fecaca;
    transform: rotate(90deg);
}

/* Left Brand Column */
.popup-left {
    background: linear-gradient(165deg, #eefcf3 0%, #e2f7ea 50%, #d4f4e1 100%);
    padding: 38px 32px 32px 32px;
    width: 330px;
    min-width: 310px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    border-right: 1px solid rgba(22, 163, 74, 0.12);
}
.popup-left::before {
    content: '';
    position: absolute;
    top: -60px;
    left: -60px;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(34, 197, 94, 0.2) 0%, transparent 70%);
    pointer-events: none;
}
.popup-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #ffffff;
    border: 1px solid rgba(22, 163, 74, 0.25);
    padding: 5px 12px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 800;
    color: #15803d;
    letter-spacing: 0.04em;
    margin-bottom: 14px;
    box-shadow: 0 2px 6px rgba(22, 163, 74, 0.08);
}
.popup-badge .badge-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: #16a34a;
    box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.25);
    animation: pulseDot 2s infinite;
}
/* @keyframes pulseDot is defined in improvements.css — canonical location */

.popup-title {
    font-size: 27px;
    font-weight: 800;
    color: #0b2545;
    line-height: 1.2;
    margin: 0 0 8px 0;
    letter-spacing: -0.03em;
}
.popup-title .green-highlight,
.popup-title .green-text {
    color: #16a34a;
    display: inline-block;
}
.popup-left-desc {
    font-size: 12.5px;
    color: #475569;
    line-height: 1.5;
    margin-bottom: 22px;
    font-weight: 500;
}
.popup-features-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.popup-feature-item {
    display: flex;
    align-items: center;
    gap: 12px;
    background: rgba(255, 255, 255, 0.7);
    border: 1px solid rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(4px);
    padding: 10px 12px;
    border-radius: 12px;
    transition: all 0.2s ease;
}
.popup-feature-item:hover {
    background: #ffffff;
    transform: translateX(3px);
    box-shadow: 0 4px 12px rgba(13, 43, 94, 0.06);
}
.feature-icon-box {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    background: #ffffff;
    border: 1px solid rgba(22, 163, 74, 0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #16a34a;
    font-size: 14px;
    flex-shrink: 0;
    box-shadow: 0 2px 6px rgba(22, 163, 74, 0.1);
}
.feature-text-wrap {
    display: flex;
    flex-direction: column;
}
.feature-text-wrap strong {
    font-size: 13px;
    font-weight: 700;
    color: #0b2545;
    line-height: 1.2;
}
.feature-text-wrap span {
    font-size: 11px;
    color: #64748b;
    font-weight: 500;
}
.popup-left-footer {
    margin-top: 20px;
    padding-top: 14px;
    border-top: 1px solid rgba(22, 163, 74, 0.15);
}
.lenders-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    font-weight: 700;
    color: #0b2545;
}
.lenders-badge i {
    color: #16a34a;
}

/* Right Form Column */
.popup-right {
    padding: 30px 36px 24px 36px;
    flex: 1;
    background: #ffffff;
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
}
.popup-form-header {
    margin-bottom: 15px;
}
.popup-form-header h4 {
    font-size: 20px;
    font-weight: 800;
    color: #0b2545;
    letter-spacing: -0.02em;
    margin-bottom: 3px;
}
.popup-form-header p {
    font-size: 12.5px;
    color: #64748b;
    margin: 0;
}
.popup-form {
    width: 100%;
}
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}
.form-row.name-row {
    margin-bottom: 11px;
}
.form-group {
    margin-bottom: 12px;
}
.form-group.mb-tight {
    margin-bottom: 10px;
}
.form-group label,
.form-label-regular {
    display: block;
    font-size: 12.5px;
    font-weight: 700;
    color: #1e293b;
    margin-bottom: 5px;
}
.form-group label .req {
    color: #ef4444;
    margin-left: 2px;
    font-weight: 700;
}
.label-with-action {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 5px;
}
.label-with-action label {
    margin-bottom: 0;
}
.btn-copy-phone {
    background: #f1f5f9;
    border: 1px solid #e2e8f0;
    border-radius: 6px;
    padding: 2px 8px;
    font-size: 11px;
    font-weight: 600;
    color: #2563eb;
    cursor: pointer;
    transition: all 0.15s ease;
}
.btn-copy-phone:hover {
    background: #e0f2fe;
    border-color: #bfdbfe;
}

/* Inputs styling */
.input-icon-wrap {
    position: relative;
    display: flex;
    align-items: center;
}
.input-icon-wrap > i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: #94a3b8;
    font-size: 13.5px;
    pointer-events: none;
    transition: color 0.2s ease;
}
.input-icon-wrap.textarea-wrap > i {
    top: 13px;
    transform: none;
}
.input-icon-wrap.whatsapp-inp > i {
    color: #25d366;
    font-size: 15px;
}
.input-icon-wrap.phone-wrap .country-prefix {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 12.5px;
    font-weight: 700;
    color: #475569;
    display: flex;
    align-items: center;
    gap: 5px;
    pointer-events: none;
    padding-right: 8px;
    border-right: 1.5px solid #cbd5e1;
    line-height: 1;
}
.input-icon-wrap.phone-wrap .country-prefix i {
    color: #94a3b8;
    font-size: 11px;
}
.input-icon-wrap.phone-wrap input {
    padding-left: 78px;
}
.input-icon-wrap input,
.input-icon-wrap textarea {
    width: 100%;
    padding: 10px 14px 10px 38px;
    border: 1.5px solid #e2e8f0;
    border-radius: 11px;
    font-size: 13px;
    color: #0f172a;
    background: #f8fafc;
    transition: all 0.2s ease;
    font-family: inherit;
}
.input-icon-wrap input::placeholder,
.input-icon-wrap textarea::placeholder {
    color: #94a3b8;
    font-weight: 400;
}
.input-icon-wrap:focus-within > i {
    color: #2563eb;
}
.input-icon-wrap.whatsapp-inp:focus-within > i {
    color: #16a34a;
}
.input-icon-wrap input:focus,
.input-icon-wrap textarea:focus {
    outline: none;
    border-color: #2563eb;
    background: #ffffff;
    box-shadow: 0 0 0 3.5px rgba(37, 99, 235, 0.12);
}

/* Radio Tiles */
.interest-options {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
}
.interest-opt {
    display: flex;
    align-items: center;
    gap: 9px;
    background: #f8fafc;
    border: 1.5px solid #e2e8f0;
    border-radius: 11px;
    padding: 9px 12px;
    font-size: 12px;
    font-weight: 600;
    color: #1e293b;
    cursor: pointer;
    transition: all 0.2s ease;
    user-select: none;
    position: relative;
}
.interest-opt input[type="radio"] {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}
.interest-opt .custom-radio {
    width: 16px;
    height: 16px;
    border-radius: 50%;
    border: 1.5px solid #cbd5e1;
    background: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all 0.2s ease;
}
.interest-opt .custom-radio::after {
    content: '';
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #2563eb;
    transform: scale(0);
    transition: transform 0.2s cubic-bezier(0.16, 1, 0.3, 1);
}
.interest-opt:has(input[type="radio"]:checked) {
    border-color: #2563eb;
    background: #eff6ff;
    color: #0f2b48;
    box-shadow: 0 2px 8px rgba(37, 99, 235, 0.08);
}
.interest-opt:has(input[type="radio"]:checked) .custom-radio {
    border-color: #2563eb;
}
.interest-opt:has(input[type="radio"]:checked) .custom-radio::after {
    transform: scale(1);
}
.interest-opt .opt-label {
    display: flex;
    align-items: center;
    gap: 6px;
}
.interest-opt .opt-label i {
    color: #64748b;
    font-size: 12px;
    transition: color 0.2s ease;
}
.interest-opt:has(input[type="radio"]:checked) .opt-label i {
    color: #2563eb;
}
.interest-opt:hover {
    border-color: #cbd5e1;
    background: #f1f5f9;
}

/* Submit Button */
.btn-submit-enquiry {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background: linear-gradient(135deg, #0b2545 0%, #163e72 100%);
    color: #ffffff;
    padding: 13px 22px;
    font-size: 14.5px;
    font-weight: 700;
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 12px;
    margin-top: 5px;
    cursor: pointer;
    box-shadow: 0 6px 20px -3px rgba(11, 37, 69, 0.35);
    transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}
.btn-submit-enquiry:hover {
    background: linear-gradient(135deg, #0f3059 0%, #1c4e8f 100%);
    transform: translateY(-1.5px);
    box-shadow: 0 10px 24px -3px rgba(11, 37, 69, 0.45);
}
.btn-submit-enquiry:hover i {
    transform: translateX(4px);
}
.btn-submit-enquiry:active {
    transform: scale(0.985);
}
.btn-submit-enquiry i {
    font-size: 14px;
    transition: transform 0.2s ease;
}

/* Safe trust badge */
.popup-safe {
    font-size: 11.5px;
    color: #64748b;
    text-align: center;
    margin-top: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 7px;
    font-weight: 500;
}
.popup-safe i {
    color: #16a34a;
    font-size: 12.5px;
}

/* Floating Eligibility Quick CTA (Marketing Re-engagement) */
.floating-eligibility-btn {
    position: fixed;
    bottom: 26px;
    left: 26px;
    z-index: 9999;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 11px 18px;
    border-radius: 999px;
    background: linear-gradient(135deg, #0b2545 0%, #15803d 100%);
    color: #ffffff;
    font-size: 13.5px;
    font-weight: 700;
    border: 1px solid rgba(255, 255, 255, 0.2);
    cursor: pointer;
    box-shadow: 0 8px 24px rgba(7, 25, 56, 0.35), 0 0 0 1px rgba(255, 255, 255, 0.15);
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    animation: floatingPillSlideIn 0.4s ease forwards;
}
@keyframes floatingPillSlideIn {
    0% { opacity: 0; transform: translateY(30px) scale(0.9); }
    100% { opacity: 1; transform: translateY(0) scale(1); }
}
.floating-eligibility-btn:hover {
    transform: translateY(-2.5px) scale(1.02);
    box-shadow: 0 12px 30px rgba(22, 163, 74, 0.45);
    background: linear-gradient(135deg, #0e3059 0%, #16a34a 100%);
}
.floating-eligibility-btn:active {
    transform: scale(0.97);
}
.floating-eligibility-btn.hide {
    opacity: 0;
    pointer-events: none;
    transform: translateY(20px) scale(0.92);
}
.floating-btn-pulse {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #22c55e;
    box-shadow: 0 0 0 rgba(34, 197, 94, 0.7);
    animation: pillPulse 1.8s infinite;
}
@keyframes pillPulse {
    0% { box-shadow: 0 0 0 0 rgba(34, 197, 94, 0.7); }
    70% { box-shadow: 0 0 0 7px rgba(34, 197, 94, 0); }
    100% { box-shadow: 0 0 0 0 rgba(34, 197, 94, 0); }
}
.floating-eligibility-btn i {
    color: #fbbf24;
    font-size: 13px;
}
.floating-eligibility-btn .badge-free {
    background: #22c55e;
    color: #ffffff;
    font-size: 10px;
    font-weight: 800;
    padding: 2px 6px;
    border-radius: 5px;
    margin-left: 4px;
    letter-spacing: 0.5px;
}


/* Floating WhatsApp */
.whatsapp-float {
    position: fixed;
    bottom: 26px;
    right: 26px;
    width: 54px;
    height: 54px;
    background: #22c55e;
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    box-shadow: 0 6px 20px rgba(34,197,94,0.4);
    z-index: 9000;
    transition: var(--transition);
}
.whatsapp-float:hover {
    transform: scale(1.1);
    background: #16a34a;
}

/* ==========================================
   RESPONSIVE DESIGN
   ========================================== */
@media (max-width: 1120px) {
    .nav-inner { gap: 12px; }
    .nav-links a { font-size: 13px; padding: 6px 8px; }
    .logo-name { font-size: 13.5px; }
}

@media (max-width: 960px) {
    .top-bar-inner { flex-direction: column; gap: 6px; text-align: center; }
    .top-bar-orange-rule, .top-bar-left .orange-rule { display: none; }
    .nav-links, .nav-cta { display: none; }
    .hamburger { display: flex; }
    .nav-links.open {
        display: flex;
        flex-direction: column;
        position: fixed;
        top: 62px;
        left: 0;
        right: 0;
        bottom: 0;
        background: #ffffff;
        padding: 20px 20px 120px 20px;
        box-shadow: var(--shadow-xl);
        z-index: 998;
        overflow-y: auto;
        -webkit-overflow-scrolling: touch;
        overscroll-behavior: contain;
    }
    .has-dropdown { width: 100%; }
    .has-dropdown > a { justify-content: space-between; width: 100%; }
    .has-dropdown .dropdown,
    .has-dropdown .mega-dropdown,
    .has-dropdown .more-dropdown {
        display: none;
        position: static;
        width: 100%;
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        transform: none;
        transition: none;
        box-shadow: none;
        border: 1px solid #e2e8f0;
        border-radius: 12px;
        padding: 14px;
        background: #fbfcfe;
        margin-top: 6px;
        animation: none;
        overflow: visible;
    }
    .has-dropdown::after,
    .mega-dropdown::after,
    .more-dropdown::after,
    .has-dropdown .mega-dropdown::before,
    .has-dropdown .more-dropdown::before {
        display: none !important;
    }
    .has-dropdown.open .dropdown,
    .has-dropdown.open .mega-dropdown {
        display: flex;
        flex-direction: column;
    }
    .has-dropdown.open .more-dropdown {
        display: flex;
        flex-direction: column;
        gap: 2px;
    }
    .mega-body {
        grid-template-columns: 1fr;
        gap: 16px;
        padding-bottom: 12px;
    }
    .mega-col-loans {
        border-right: none;
        border-bottom: 1px solid #edf2f7;
        padding-right: 0;
        padding-bottom: 14px;
    }
    .mega-countries-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 4px;
    }
    .mega-footer {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
        margin: 0 -14px -14px -14px;
        padding: 10px 14px;
        border-bottom-left-radius: 12px;
        border-bottom-right-radius: 12px;
    }
    body.menu-open {
        overflow: hidden !important;
    }
    .nav-cta.open {
        display: flex;
        flex-direction: column;
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        z-index: 999;
        padding: 14px 20px 20px;
        background: rgba(255, 255, 255, 0.95);
        backdrop-filter: blur(12px);
        -webkit-backdrop-filter: blur(12px);
        border-top: 1px solid #e2e8f0;
        box-shadow: 0 -4px 16px rgba(10, 29, 55, 0.08);
        gap: 10px;
    }
    .why-nine-grid { grid-template-columns: repeat(2, 1fr); }
    .pan-india-section { padding: 32px 0; }
    .pan-india-box { flex-direction: column; align-items: stretch; gap: 20px; padding: 26px 20px; }
    .pan-india-header { flex: none; width: 100%; max-width: 100%; text-align: center; margin: 0; }
    .pan-india-header .brand-eyebrow { justify-content: center; margin-bottom: 8px; }
    .pan-india-sub { max-width: 580px; margin: 0 auto; }
    .pan-india-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
    .footer-inner,
    .footer-grid { grid-template-columns: repeat(2, 1fr); gap: 28px; }
    .exact-hero-grid { min-height: 460px; padding: 44px 0 48px; }
    .pillars-grid { flex-wrap: wrap; gap: 20px; }
    .pillar-divider { display: none; }
    .bridging-cards-grid { grid-template-columns: 1fr; }
    .why-header-flex { flex-direction: column; }
    .handwritten-note { display: none; }
    .bottom-dream-banner { flex-direction: column; text-align: center; }
}

@media (max-width: 768px) {
    /* --- Hero Section Mobile --- */
    .exact-hero::before {
        background: radial-gradient(circle at 50% 20%, rgba(14, 165, 233, 0.08) 0%, rgba(16, 185, 129, 0.04) 50%, transparent 80%);
    }
    .exact-hero-grid {
        min-height: auto;
        padding: 36px 0 40px;
        justify-content: center;
    }
    .pan-india-section { padding: 26px 0; }
    .exact-hero-content { padding-right: 0; text-align: center; max-width: 100%; }
    .brand-eyebrow { justify-content: center; }
    .exact-hero-actions { justify-content: center; flex-wrap: wrap; }
    .exact-hero-safety { justify-content: center; text-align: center; }
    .dream-banner-left { display: block; margin-top: 10px; margin-bottom: -10px; }
    .dream-books-img { max-height: 110px; transform: translateY(-20px); }

    /* --- POPUP MODAL MOBILE (Zero Scroll Architecture) --- */
    .popup-overlay {
        padding: 12px;
        align-items: center;
        justify-content: center;
        overflow-y: auto;
        -webkit-overflow-scrolling: touch;
    }
    .popup-modal {
        flex-direction: column;
        max-width: 480px;
        width: 100%;
        max-height: 92dvh;
        margin: auto;
        border-radius: 18px;
        overflow-y: auto;
        overflow-x: hidden;
        -webkit-overflow-scrolling: touch;
        overscroll-behavior: contain;
        scrollbar-width: thin;
    }
    .popup-close {
        top: 10px;
        right: 10px;
        width: 34px;
        height: 34px;
        font-size: 14px;
        z-index: 20;
    }
    /* Hide duplicate promo left column so form is instantly visible */
    .popup-left {
        display: none !important;
    }
    .popup-left-footer { display: none; }

    .popup-right {
        padding: 16px 16px 14px 16px;
        width: 100%;
        box-sizing: border-box;
    }
    .popup-form-header {
        margin-bottom: 8px;
        padding-right: 36px;
    }
    .popup-form-header h4 {
        font-size: 18px;
        line-height: 1.25;
        margin-bottom: 2px;
    }
    .popup-form-header p {
        font-size: 11px;
        line-height: 1.35;
        color: #64748b;
        margin: 0;
    }

    /* Preserve 2-column side-by-side for First Name & Last Name to save 65px vertical scroll */
    .form-row.name-row {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 8px;
    }
    .form-row:not(.name-row) {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 8px;
    }

    /* Inputs — 42px touch target (Apple HIG) without vertical bloat */
    .input-icon-wrap input {
        padding: 8px 12px 8px 36px;
        font-size: 16px; /* Prevents iOS zoom on focus */
        min-height: 42px;
        height: 42px;
        border-radius: 9px;
    }
    .input-icon-wrap textarea {
        padding: 7px 12px 7px 34px;
        font-size: 13px;
        min-height: 44px;
        height: 44px;
        border-radius: 9px;
        resize: vertical;
    }
    .input-icon-wrap textarea:focus {
        min-height: 66px;
        height: 66px;
    }
    .input-icon-wrap.phone-wrap input {
        padding-left: 76px;
    }
    .form-group {
        margin-bottom: 7px;
    }
    .form-group label,
    .form-label-regular {
        font-size: 11px;
        font-weight: 700;
        margin-bottom: 2px;
    }

    /* Interest radio tiles in 2x2 grid */
    .interest-options {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 5px;
    }
    .interest-opt {
        padding: 6px 8px;
        font-size: 11px;
        min-height: 36px;
        border-radius: 8px;
        gap: 6px;
    }
    .interest-opt .custom-radio {
        width: 14px;
        height: 14px;
    }
    .interest-opt .opt-label {
        font-size: 10.5px;
    }

    /* Submit button */
    .btn-submit-enquiry {
        padding: 9px 18px;
        font-size: 14px;
        min-height: 42px;
        height: 44px;
        border-radius: 10px;
        margin-top: 3px;
    }
    .popup-safe {
        font-size: 10.5px;
        margin-top: 8px;
    }

    /* Copy phone button */
    .label-with-action {
        flex-wrap: wrap;
        gap: 4px;
    }
    .btn-copy-phone {
        padding: 4px 10px;
        font-size: 11px;
    }

    /* --- Footer Mobile --- */
    .footer-inner,
    .footer-grid { grid-template-columns: 1fr; gap: 24px; }
    .footer-bottom-inner { flex-direction: column; gap: 8px; text-align: center; }

    /* --- Page Hero Mobile --- */
    .page-hero {
        padding: 80px 0 50px;
    }
    .page-hero h1 {
        font-size: clamp(1.6rem, 6vw, 2.4rem);
    }

    /* --- Inner Page Sections Mobile --- */
    .section-pad { padding: 50px 0; }
    .container { padding: 0 16px; }

    /* --- EMI Calculator Mobile --- */
    .emi-section { padding: 50px 0; }
    .emi-box { padding: 24px 16px; }

    /* --- FAQ Mobile --- */
    .faq-section { padding: 50px 0; }
    .faq-question { padding: 16px 18px; font-size: 14px; }
    .faq-answer { padding: 0 18px 16px; font-size: 13px; }
}

@media (max-width: 600px) {
    .pan-india-section { padding: 18px 0; }
    .pan-india-box { padding: 20px 14px; gap: 16px; }
    .pan-india-header { flex: none; width: 100%; max-width: 100%; text-align: center; margin: 0; }
    .pan-india-title { font-size: 21px; margin-bottom: 6px; }
    .pan-india-sub { font-size: 13px; line-height: 1.5; }
    .pan-india-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }

    /* Popup features list single column on very small screens */
    .popup-features-list {
        grid-template-columns: 1fr;
    }

    /* Floating buttons — stack vertically so they don't overlap */
    .floating-eligibility-btn {
        bottom: 78px;
        left: 12px;
        right: auto;
        padding: 9px 12px;
        font-size: 11.5px;
        max-width: calc(100vw - 80px);
    }
    .floating-eligibility-btn .badge-free { display: none; }

    .whatsapp-float {
        bottom: 16px;
        right: 16px;
        width: 48px;
        height: 48px;
        font-size: 24px;
    }

    /* Hero pills wrap */
    .hero-pills { gap: 8px; }
    .hero-pill { padding: 6px 14px; font-size: 0.78rem; }

    /* Stats bar responsive */
    .stats-row { flex-direction: column; align-items: center; }
    .stat-pill { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); padding: 12px 20px; }
    .stat-pill:last-child { border-bottom: none; }
}

/* --- Additional Shared Inner Pages Styling --- */
.page-hero {
    background: linear-gradient(135deg, #0d2b5e 0%, #1a4a8a 50%, #0d2b5e 100%);
    padding: 100px 0 60px;
    text-align: center;
    position: relative;
    overflow: hidden;
    color: #ffffff;
}
.page-hero-inner { position: relative; z-index: 1; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,0.7); margin-bottom: 14px; }
.breadcrumb a { color: #38bdf8; }
.page-hero h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); font-weight: 800; margin-bottom: 14px; color: #ffffff; }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,0.85); max-width: 650px; margin: 0 auto 20px; line-height: 1.65; }

/* About Page & Shared Inner Page Cards */
.about-purpose {
    background: #f8fbff;
    border-radius: 20px;
    padding: 40px;
    border: 1px solid #e2e8f0;
}
.about-purpose-inner {
    display: flex;
    gap: 40px;
    align-items: center;
}
@media (max-width: 768px) {
    .about-purpose-inner { flex-direction: column; }
}
.our-purpose-label h2 {
    font-size: clamp(28px, 4vw, 38px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.1;
}
.purpose-text p {
    font-size: 16px;
    color: #334155;
    line-height: 1.8;
}
.section-eyebrow-line {
    width: 36px;
    height: 3px;
    background: var(--green);
    margin-bottom: 12px;
    border-radius: 2px;
}
.green-text {
    color: var(--green);
}
.core-focus-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin: 28px 0;
}
@media (max-width: 860px) {
    .core-focus-grid { grid-template-columns: 1fr; }
}
.core-card {
    background: #ffffff;
    border: 1.5px solid #e8f0fe;
    border-radius: 18px;
    padding: 32px 24px;
    position: relative;
    box-shadow: var(--shadow);
    transition: var(--transition);
}
.core-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: #93c5fd;
}
.core-card-num {
    position: absolute;
    top: 20px;
    right: 20px;
    font-size: 20px;
    font-weight: 800;
    color: #cbd5e1;
    font-family: var(--font-display);
}
.core-card-icon {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 18px;
}
.core-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
}
.core-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* Inner pages icon helpers */
.service-icon i, .who-icon-wrap i, .feature-icon i, .step-icon i {
    color: var(--green);
}
.process-emoji i, .loan-icon i, .card-icon i, .stat-icon i {
    color: var(--blue);
}

/* ==========================================
   EMI CALCULATOR COMPONENT
   ========================================== */
.emi-section {
    padding: 80px 0;
    background: #ffffff;
}
.emi-box {
    background: linear-gradient(135deg, #f8fbfe 0%, #f0fdf4 100%);
    border: 1.5px solid #e2e8f0;
    border-radius: 24px;
    padding: 44px;
    box-shadow: 0 10px 30px rgba(13,43,94,0.06);
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 40px;
    align-items: center;
}
@media (max-width: 900px) {
    .emi-box { grid-template-columns: 1fr; padding: 28px 20px; }
}
.emi-inputs-col h3 {
    font-size: 24px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 8px;
}
.emi-inputs-col p {
    font-size: 14px;
    color: #64748b;
    margin-bottom: 24px;
}
.emi-control-group {
    margin-bottom: 22px;
}
.emi-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 8px;
}
.emi-label-row label {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
}
.emi-val-badge {
    background: #ffffff;
    border: 1.5px solid #cbd5e1;
    border-radius: 8px;
    padding: 4px 12px;
    font-size: 15px;
    font-weight: 700;
    color: var(--blue);
    display: inline-flex;
    align-items: center;
    gap: 4px;
}
.emi-slider {
    width: 100%;
    height: 7px;
    border-radius: 4px;
    background: #e2e8f0;
    outline: none;
    accent-color: var(--blue);
    cursor: pointer;
}
.emi-presets {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: 10px;
}
.emi-preset-btn {
    background: #ffffff;
    border: 1px solid #cbd5e1;
    border-radius: 20px;
    padding: 5px 12px;
    font-size: 12px;
    font-weight: 600;
    color: #475569;
    cursor: pointer;
    transition: var(--transition);
}
.emi-preset-btn:hover {
    border-color: var(--blue);
    color: var(--blue);
    background: var(--blue-light);
}
.emi-results-card {
    background: #ffffff;
    border: 1.5px solid #e0ecfb;
    border-radius: 20px;
    padding: 32px 28px;
    box-shadow: 0 8px 24px rgba(13,43,94,0.08);
    display: flex;
    flex-direction: column;
}
.emi-result-highlight {
    text-align: center;
    padding-bottom: 20px;
    border-bottom: 1px solid #e2e8f0;
    margin-bottom: 20px;
}
.emi-result-label {
    font-size: 12.5px;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: #64748b;
    font-weight: 700;
    margin-bottom: 6px;
}
.emi-result-amount {
    font-size: clamp(30px, 3.5vw, 42px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.1;
}
.emi-breakdown-row {
    display: flex;
    justify-content: space-between;
    font-size: 14px;
    color: #475569;
    padding: 8px 0;
}
.emi-breakdown-row strong {
    color: var(--navy);
    font-weight: 700;
}
.emi-bar-container {
    margin: 16px 0;
}
.emi-bar-track {
    height: 10px;
    border-radius: 6px;
    background: #e2e8f0;
    overflow: hidden;
    display: flex;
}
.emi-bar-principal {
    background: var(--blue);
    height: 100%;
    transition: width 0.3s ease;
}
.emi-bar-interest {
    background: var(--green);
    height: 100%;
    transition: width 0.3s ease;
}
.emi-bar-legend {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: #64748b;
    margin-top: 6px;
}
.emi-legend-dot {
    display: inline-block;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    margin-right: 4px;
}
.emi-cta-btn {
    margin-top: 20px;
    width: 100%;
}

/* ==========================================
   FAQ ACCORDION COMPONENT
   ========================================== */
.faq-section {
    padding: 80px 0;
    background: #f8fafc;
}
.faq-list {
    max-width: 840px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.faq-item {
    background: #ffffff;
    border: 1.5px solid #e2e8f0;
    border-radius: 14px;
    overflow: hidden;
    transition: var(--transition);
}
.faq-item:hover {
    border-color: #93c5fd;
    box-shadow: 0 4px 14px rgba(13,43,94,0.05);
}
.faq-question {
    padding: 18px 22px;
    font-size: 15.5px;
    font-weight: 700;
    color: var(--navy);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    user-select: none;
}
.faq-question i {
    font-size: 13px;
    color: var(--blue);
    transition: transform 0.25s ease;
}
.faq-item.active .faq-question i {
    transform: rotate(180deg);
}
.faq-answer {
    padding: 0 22px 18px;
    font-size: 14px;
    color: #475569;
    line-height: 1.65;
    display: none;
}
.faq-item.active .faq-answer {
    display: block;
}

/* ==========================================
   UI/UX PROMAX & FRAMER MOTION SYSTEM
   ========================================== */

/* 1. Global Typography Polish */
h1, h2, h3, .section-title, .pan-india-title, .page-hero h1, .bridging-title {
    text-wrap: balance;
}

p, .pan-india-sub, .section-sub, .exact-hero-lead, .purpose-text p {
    text-wrap: pretty;
}

body {
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
}

/* 2. Elevated Glassmorphism Navbar on Scroll */
.navbar {
    transition: background-color 0.25s ease, backdrop-filter 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.navbar.scrolled-elevated {
    background: rgba(255, 255, 255, 0.94) !important;
    backdrop-filter: blur(14px) !important;
    -webkit-backdrop-filter: blur(14px) !important;
    box-shadow: 0 8px 30px rgba(13, 43, 94, 0.08) !important;
    border-bottom: 1px solid rgba(226, 232, 240, 0.8) !important;
}

/* 3. Spring In-View Reveal Animation */
.motion-init {
    opacity: 0;
    transform: translateY(24px) scale(0.98);
    transition: opacity 0.55s cubic-bezier(0.16, 1, 0.3, 1), transform 0.65s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
}

.motion-revealed {
    opacity: 1 !important;
    transform: translateY(0) scale(1) !important;
}

/* 4. Enhanced Concentric Shadows & Hover States */
.pan-card, .why-feature-card, .core-card, .country-card, .lender-card {
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.35s cubic-bezier(0.16, 1, 0.3, 1), border-color 0.25s ease;
}

.pan-card:hover, .why-feature-card:hover, .core-card:hover, .country-card:hover {
    box-shadow: 0 16px 36px rgba(13, 43, 94, 0.09), 0 2px 6px rgba(13, 43, 94, 0.03);
    border-color: #93c5fd;
}

/* 5. Tactile Button Micro-Interactions */
.btn {
    transition: transform 0.15s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.2s ease, background-color 0.2s ease;
    will-change: transform;
}

.btn:active {
    transform: scale(0.96) !important;
}

/* 6. Accessible Glow Focus Rings */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
    outline: 2px solid var(--blue) !important;
    outline-offset: 3px !important;
    box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.2) !important;
}

/* 7. Image Boundary Polish (Restricted to content photos; excludes transparent bank logos & vectors) */
figure img,
.blog-card-img img,
.article-cover img,
.testimonial-avatar img,
.content-img {
    outline: 1px solid rgba(0, 0, 0, 0.08);
    outline-offset: -1px;
}
.logo img,
.marquee-logo-img,
.lender-logo-img,
.lender-card-logo img,
.dream-books-img,
svg,
img[src*=".svg"],
.partner-logo,
.partner-logo img {
    outline: none !important;
}

/* 8. Pulsing WhatsApp Floating Button */
.whatsapp-float {
    animation: floatGlow 3.5s ease-in-out infinite;
}

@keyframes floatGlow {
    0%, 100% {
        transform: translateY(0);
        box-shadow: 0 6px 20px rgba(34, 197, 94, 0.4);
    }
    50% {
        transform: translateY(-6px);
        box-shadow: 0 12px 28px rgba(34, 197, 94, 0.55);
    }
}

/* 9. Respect Reduced Motion */
@media (prefers-reduced-motion: reduce) {
    *, ::before, ::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
    .motion-init {
        opacity: 1 !important;
        transform: none !important;
    }
    .whatsapp-float {
        animation: none !important;
    }
}

/* 10. Progressive Lazy Loading Blur-up & Scale */
img.vps-lazy {
    opacity: 0;
    transform: scale(0.985);
    filter: blur(4px);
    transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1), transform 0.5s cubic-bezier(0.16, 1, 0.3, 1), filter 0.4s ease;
    will-change: opacity, transform, filter;
}

img.vps-lazy.vps-lazy-loaded {
    opacity: 1 !important;
    transform: scale(1) !important;
    filter: blur(0) !important;
}

/* ==========================================
   11. FONT AWESOME ICON SIZING HELPERS
   All icons sourced from Font Awesome 6.5 CDN.
   These rules handle sizing & alignment only.
   ========================================== */

.pillar-icon-circle i,
.pan-card-badge i,
.w-icon-circle i,
.bridge-icon-wrap i {
    font-size: 1.25rem;
    vertical-align: middle;
}

.core-card-icon i,
.service-icon i,
.who-icon-wrap i,
.feature-icon i,
.step-icon i,
.loan-icon i,
.card-icon i,
.stat-icon i {
    font-size: 1.35rem;
    vertical-align: middle;
}

.btn i {
    margin-right: 6px;
    vertical-align: -0.1em;
}

.btn-whatsapp-nav i,
.btn-whatsapp i {
    font-size: 1.1rem;
    margin-right: 6px;
    vertical-align: -0.15em;
}

.whatsapp-float i {
    font-size: 1.75rem;
    color: #ffffff;
    vertical-align: middle;
}

.nav-links a i {
    font-size: 0.7rem;
    margin-left: 3px;
    opacity: 0.75;
    vertical-align: 0;
}

.contact-num i {
    font-size: 0.85rem;
    color: #38bdf8;
    margin-right: 4px;
    vertical-align: -0.08em;
}

.exact-hero-safety i {
    font-size: 0.85rem;
    color: var(--green);
    margin-right: 3px;
    vertical-align: -0.1em;
}

.input-icon-wrap > i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 0.95rem;
    color: #94a3b8;
    pointer-events: none;
    transition: color 0.2s ease;
}

.input-icon-wrap.textarea-wrap > i {
    top: 14px;
    transform: none;
}

.input-icon-wrap.whatsapp-inp > i {
    color: var(--green);
}

.input-icon-wrap:focus-within > i {
    color: var(--blue);
}

.input-icon-wrap.whatsapp-inp:focus-within > i {
    color: var(--green);
}

.faq-question i {
    font-size: 0.9rem;
    color: var(--blue);
    transition: transform 0.28s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.contact-list li i {
    font-size: 0.9rem;
    margin-right: 8px;
    color: var(--blue-light, #93c5fd);
    vertical-align: -0.1em;
}

.footer-bottom-socials a i,
.top-bar-right a i {
    font-size: 1rem;
    vertical-align: -0.1em;
    transition: transform 0.2s ease, color 0.2s ease;
}

.footer-bottom-socials a:hover i,
.top-bar-right a:hover i {
    transform: translateY(-2px);
}

/* ==========================================
   12. SHARED UTILITY CLASSES
   Eliminates inline styles across inner pages.
   Use these instead of style="" attributes.
   ========================================== */

/* Text utilities */
.text-navy      { color: var(--navy) !important; }
.text-green     { color: var(--green) !important; }
.text-blue      { color: var(--blue) !important; }
.text-muted     { color: var(--text-muted) !important; }
.text-slate     { color: var(--slate) !important; }
.text-body      { color: var(--text-body) !important; }
.text-amber     { color: var(--amber) !important; }
.green-text     { color: var(--green); }
.fw-600         { font-weight: 600; }
.fw-700         { font-weight: 700; }
.fw-800         { font-weight: 800; }
.fs-13          { font-size: 13px; }
.fs-14          { font-size: 14px; }
.fs-15          { font-size: 15px; }
.fs-16          { font-size: 16px; }

/* Background utilities */
.bg-white       { background: var(--white); }
.bg-card        { background: var(--bg-card); }
.bg-navy        { background: var(--navy); color: var(--white); }
.bg-green       { background: var(--green); color: var(--white); }
.bg-green-soft  { background: var(--green-bg); }
.bg-blue-soft   { background: var(--blue-light); }
.bg-amber-soft  { background: var(--amber-bg); }

/* Icon circle utilities — consistent sizing across all pages */
.icon-circle {
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    flex-shrink: 0;
}
.icon-circle-sm  { width: 40px; height: 40px; font-size: 16px; }
.icon-circle-md  { width: 52px; height: 52px; font-size: 20px; }
.icon-circle-lg  { width: 64px; height: 64px; font-size: 26px; }

.icon-circle-green  { background: var(--green-bg);   color: var(--green); }
.icon-circle-blue   { background: var(--blue-light);  color: var(--blue); }
.icon-circle-navy   { background: rgba(13,43,94,0.1); color: var(--navy); }
.icon-circle-amber  { background: var(--amber-bg);    color: var(--amber); }
.icon-circle-teal   { background: #f0fdfa;             color: var(--teal); }
.icon-circle-white  { background: var(--white);        color: var(--navy); }

/* Divider line */
.v-divider { width: 1px; background: var(--border-color); align-self: stretch; }

/* Card box */
.card-box {
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    padding: 24px;
}
.card-box-soft {
    background: var(--bg-card);
    border-radius: var(--radius);
    padding: 20px 24px;
}

/* Belief / highlight box */
.belief-box {
    background: var(--green-bg);
    border-left: 4px solid var(--green);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 16px 20px;
    margin: 20px 0;
    display: flex;
    align-items: center;
    gap: 14px;
}
.belief-box p {
    margin: 0;
    font-weight: 600;
    color: var(--navy);
    font-size: 14px;
}

/* Stat item */
.stat-item {
    text-align: center;
}
.stat-number {
    font-size: 2rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1;
}
.stat-label {
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 4px;
}

/* Grid helpers */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 768px) {
    .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Flex helpers */
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-start { display: flex; align-items: flex-start; }
.gap-8  { gap: 8px; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }
.gap-40 { gap: 40px; }

/* Margin/padding helpers */
.mt-8  { margin-top: 8px; }
.mt-12 { margin-top: 12px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }

/* ==========================================
   13. RESPONSIVENESS FIXES
   Covers gaps found during audit:
   - 480px: pan-india cards 1-col
   - 375px: pillar labels font-size
   - Floating button / WhatsApp overlap
   - Country page inner grids
   - overflow-x protection
   ========================================== */

/* Prevent horizontal scroll globally (Hallmark Gate 34) */
html, body { overflow-x: clip; }
* { min-width: 0; }

/* Country page inner grids — responsive */
.loan-features-grid,
.country-stats-grid,
.benefits-grid,
.why-grid,
.process-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 20px;
}
@media (max-width: 768px) {
    .loan-features-grid,
    .country-stats-grid,
    .benefits-grid,
    .why-grid,
    .process-grid {
        grid-template-columns: 1fr;
    }
}

/* Services page 3-col → 2-col at tablet before 1-col */
@media (max-width: 900px) and (min-width: 601px) {
    .core-focus-grid { grid-template-columns: repeat(2, 1fr); }
}

/* 480px: pan-india cards compact 2-col */
@media (max-width: 480px) {
    .pan-india-cards { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; gap: 10px; }


    /* Hero loan pills — wrap tighter */
    .hero-loan-pills { gap: 6px; }
    .hero-loan-pill { font-size: 11.5px; padding: 6px 13px; }

    /* Floating buttons — prevent overlap on small screens */
    .floating-eligibility-btn {
        bottom: 86px;
        left: 12px;
        right: auto;
        max-width: calc(100vw - 88px);
        font-size: 11px;
        padding: 8px 12px;
    }
    .floating-eligibility-btn .badge-free { display: none; }

    .whatsapp-float {
        bottom: 16px;
        right: 16px;
        width: 52px;
        height: 52px;
        font-size: 26px;
    }
}

/* 375px: pillar labels don't overflow */
@media (max-width: 375px) {
    .pillar-item { min-width: 0; }
    .pillar-label {
        font-size: 11px;
        line-height: 1.3;
    }
    .pillar-icon-circle {
        width: 36px;
        height: 36px;
        font-size: 14px;
    }
    .exact-hero-title {
        font-size: clamp(1.7rem, 9vw, 2.4rem);
    }
    .container { padding: 0 14px; }
}

/* 320px: page hero minimum sizes */
@media (max-width: 320px) {
    .page-hero h1 { font-size: 1.5rem; }
    .exact-hero-title { font-size: 1.6rem; }
    .btn-hero-primary, .btn-hero-secondary { font-size: 13px; padding: 11px 18px; }
}

/* About purpose — overflow fix */
.about-purpose { overflow: hidden; }
.about-purpose-inner { flex-wrap: wrap; }

/* Images in inner sections */
.core-card img,
.service-card img,
.loan-card img {
    max-width: 100%;
    height: auto;
}

/* ==========================================
   14. UNIFIED MARQUEE SCROLL (Homepage & Inner)
   ========================================== */
.home-marquee-section,
.marquee-section {
    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
    padding: 44px 0 38px;
    border-top: 1px solid #e2e8f0;
    border-bottom: 1px solid #e2e8f0;
    overflow: hidden;
    position: relative;
}
.home-marquee-label,
.marquee-label {
    text-align: center;
    font-size: 0.82rem;
    font-weight: 800;
    letter-spacing: 2px;
    color: var(--navy);
    text-transform: uppercase;
    margin: 0 auto 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    width: 100%;
    max-width: 100%;
}
.home-marquee-label::before,
.home-marquee-label::after,
.marquee-label::before,
.marquee-label::after {
    content: '';
    display: inline-block;
    width: 36px;
    height: 1.5px;
    background: linear-gradient(90deg, transparent, var(--green));
    flex-shrink: 0;
}
.home-marquee-label::after,
.marquee-label::after {
    background: linear-gradient(90deg, var(--green), transparent);
}
.marquee-track {
    position: relative;
    width: 100%;
    overflow: hidden;
    padding: 6px 0;
    -webkit-mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
    mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}
.marquee-inner {
    display: flex;
    gap: 18px;
    width: max-content;
    animation: marquee-scroll 42s linear infinite;
    will-change: transform;
}
.marquee-inner:hover { animation-play-state: paused; }
@keyframes marquee-scroll {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* Realistic & High-End Marquee Cards */
.marquee-card {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    background: #ffffff;
    border: 1.5px solid #e2e8f0;
    border-radius: 16px;
    padding: 14px 24px;
    min-width: 260px;
    height: 90px;
    transition: transform 0.28s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.28s cubic-bezier(0.16, 1, 0.3, 1), border-color 0.28s ease;
    cursor: pointer;
    flex-shrink: 0;
    box-shadow: 0 2px 8px rgba(13, 43, 94, 0.04);
}
.marquee-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 28px -2px rgba(13, 43, 94, 0.14), 0 0 0 1.5px rgba(0, 163, 137, 0.25);
    border-color: var(--green);
}
.marquee-logo-wrap {
    height: 62px;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 175px;
    max-width: 180px;
    flex-shrink: 0;
}
.marquee-logo-img {
    max-height: 52px;
    width: auto;
    height: auto;
    max-width: 165px;
    object-fit: contain;
    display: block;
    transition: transform 0.25s ease;
}
.marquee-card:hover .marquee-logo-img {
    transform: scale(1.06);
}
.marquee-card-badge {
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 0.3px;
    text-transform: uppercase;
    padding: 3px 8px;
    border-radius: 6px;
    white-space: nowrap;
    flex-shrink: 0;
}
.badge-nbfc {
    background: #ecfdf5;
    color: #065f46;
    border: 1px solid #a7f3d0;
}
.badge-psu {
    background: #eff6ff;
    color: #1e40af;
    border: 1px solid #bfdbfe;
}
.badge-pvt {
    background: #f1f5f9;
    color: #0a1d37;
    border: 1px solid #cbd5e1;
}
.badge-intl {
    background: #eff6ff;
    color: #1a56db;
    border: 1px solid #bfdbfe;
}

/* Lenders Grid Page Logos */
.lender-logo-wrap {
    height: 52px;
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    padding: 4px;
}
.lender-logo-img {
    max-height: 48px;
    max-width: 160px;
    width: auto;
    object-fit: contain;
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}
.lender-card:hover .lender-logo-img {
    transform: scale(1.08);
}

@media (max-width: 768px) {
    .home-marquee-section,
    .marquee-section {
        padding: 32px 0 26px;
    }
    .home-marquee-label,
    .marquee-label {
        font-size: 0.74rem;
        letter-spacing: 1.5px;
        margin-bottom: 18px;
    }
    .marquee-card {
        min-width: 210px;
        height: 72px;
        padding: 10px 16px;
        gap: 12px;
    }
    .marquee-logo-wrap {
        height: 50px;
        width: 135px;
        max-width: 145px;
    }
    .marquee-logo-img {
        max-height: 44px;
        max-width: 135px;
        width: auto;
        height: auto;
    }
    .marquee-card-badge {
        font-size: 0.62rem;
        padding: 2px 6px;
    }
}

/* ==========================================
   15. FINANCIAL TOOLS & CALCULATORS SUITE
   ========================================== */
.financial-tools-section {
    padding: 70px 0 80px;
    background: #ffffff;
    position: relative;
}
.tools-header-wrap {
    text-align: center;
    margin-bottom: 40px;
}
.tools-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 3px;
    color: var(--teal);
    text-transform: uppercase;
    margin-bottom: 12px;
}
.tools-eyebrow::before,
.tools-eyebrow::after {
    content: '';
    display: inline-block;
    width: 40px;
    height: 1.5px;
    background: var(--teal);
    opacity: 0.7;
}
.tools-heading {
    font-size: clamp(2rem, 3.5vw, 2.6rem);
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.5px;
}
.tools-heading .accent-calc {
    color: var(--teal);
}

/* Tab Navigation matching reference image */
.calc-tabs-wrapper {
    max-width: 1040px;
    margin: 0 auto;
}
.calc-tabs-nav {
    display: flex;
    gap: 6px;
    overflow-x: auto;
    scrollbar-width: none;
    -webkit-overflow-scrolling: touch;
    padding: 0 4px;
    margin-bottom: -1px;
    position: relative;
    z-index: 2;
}
.calc-tabs-nav::-webkit-scrollbar { display: none; }
.calc-tab-btn {
    background: transparent;
    border: 1.5px solid transparent;
    border-bottom: none;
    padding: 12px 22px;
    font-family: var(--font-body);
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--slate-light);
    border-radius: 12px 12px 0 0;
    cursor: pointer;
    transition: all 0.2s ease;
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.calc-tab-btn:hover {
    color: var(--teal);
    background: rgba(15, 118, 110, 0.04);
}
.calc-tab-btn.active {
    background: #ffffff;
    border-color: #cbd5e1;
    border-top: 3px solid var(--teal);
    border-bottom: 1.5px solid #ffffff;
    color: var(--teal);
    font-weight: 700;
    box-shadow: 0 -4px 12px rgba(13, 43, 94, 0.04);
}

/* Card Container */
.calc-card-container {
    background: #ffffff;
    border: 1.5px solid #cbd5e1;
    border-radius: 16px;
    padding: 40px 42px;
    box-shadow: 0 10px 30px rgba(13, 43, 94, 0.06);
    position: relative;
    z-index: 1;
}
.calc-panel {
    display: none;
}
.calc-panel.active {
    display: block;
    animation: fadeIn 0.3s ease;
}
@keyframes fadeIn {
    from { opacity: 0; transform: translateY(4px); }
    to { opacity: 1; transform: translateY(0); }
}

.calc-grid {
    display: grid;
    grid-template-columns: 1.35fr 1fr;
    gap: 48px;
    align-items: stretch;
}

/* Left Controls Area */
.calc-controls-pane {
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 26px;
}
.calc-pane-title {
    font-size: 1.45rem;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 8px;
    letter-spacing: -0.3px;
}
.calc-control-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.calc-label-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
}
.calc-label {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--navy);
}
.calc-val-input {
    border: none;
    border-bottom: 2px solid #cbd5e1;
    font-family: var(--font-body);
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--navy);
    text-align: right;
    width: 140px;
    padding: 2px 4px;
    background: transparent;
    transition: border-color 0.2s ease;
}
.calc-val-input:focus {
    outline: none;
    border-color: var(--teal);
}

/* Custom Draggable Range Sliders */
.calc-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 4px;
    background: #e2e8f0;
    outline: none;
    margin: 10px 0 2px;
    cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #ffffff;
    border: 2px solid var(--teal);
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);
    cursor: pointer;
    transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.calc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 3px 10px rgba(15, 118, 110, 0.3);
}
.calc-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #ffffff;
    border: 2px solid var(--teal);
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);
    cursor: pointer;
}
.calc-slider-limits {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--text-muted);
}

/* Select Dropdown Styling */
.calc-select-input {
    width: 100%;
    padding: 12px 16px;
    border-radius: 10px;
    border: 1.5px solid #cbd5e1;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--navy);
    background: #ffffff;
    outline: none;
    transition: border-color 0.2s ease;
}
.calc-select-input:focus {
    border-color: var(--teal);
}

/* Right Result Card matching reference design */
.calc-result-card {
    background: #f8fafc;
    border: 1.5px solid #edf2f7;
    border-radius: 18px;
    padding: 34px 30px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: 0 4px 16px rgba(13, 43, 94, 0.03);
}
.calc-result-sub {
    font-size: 0.95rem;
    font-weight: 700;
    color: #475569;
    text-align: center;
    margin-bottom: 6px;
}
.calc-result-hero {
    font-size: clamp(2.2rem, 3.2vw, 2.8rem);
    font-weight: 900;
    color: var(--navy);
    text-align: center;
    margin-bottom: 26px;
    letter-spacing: -0.5px;
}
.calc-breakdown-table {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 26px;
}
.calc-breakdown-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.95rem;
    color: #475569;
}
.calc-breakdown-row span:last-child {
    font-weight: 800;
    color: var(--navy);
}
.calc-breakdown-row.total-row {
    padding-top: 14px;
    border-top: 1px dashed #cbd5e1;
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--navy);
}
.calc-breakdown-row.total-row span:last-child {
    font-size: 1.25rem;
    color: var(--navy);
}

/* Primary "Get The Deal" CTA Button */
.btn-calc-deal {
    background: #0f4c3a;
    color: #ffffff;
    border: none;
    border-radius: 12px;
    padding: 15px 24px;
    font-family: var(--font-body);
    font-size: 1.02rem;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    cursor: pointer;
    width: 100%;
    transition: all 0.25s ease;
    box-shadow: 0 4px 14px rgba(15, 76, 58, 0.2);
}
.btn-calc-deal:hover {
    background: var(--navy);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(13, 43, 94, 0.25);
    color: #ffffff;
}
.btn-calc-deal i {
    font-size: 0.88rem;
    transition: transform 0.2s ease;
}
.btn-calc-deal:hover i {
    transform: translateX(4px);
}

.calc-disclaimer {
    font-size: 0.72rem;
    color: #94a3b8;
    line-height: 1.5;
    margin-top: 18px;
    text-align: center;
}

/* Responsive adjustments */
@media (max-width: 860px) {
    .calc-card-container {
        padding: 28px 20px;
    }
    .calc-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    .calc-tab-btn {
        padding: 10px 16px;
        font-size: 0.85rem;
    }
}

/* ==========================================
   COUNTRY & INNER PAGES - INSTITUTIONAL FINTECH SUITE
   ========================================== */

/* 1. Page Hero Eyebrow & Button Flex */
.page-hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #38bdf8;
    background: rgba(56, 189, 248, 0.12);
    border: 1px solid rgba(56, 189, 248, 0.25);
    padding: 6px 16px;
    border-radius: 999px;
    margin: 0 auto 16px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.15);
}
.hero-btns {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
    margin-top: 24px;
}

/* 2. Key Stats Grid & Cards */
.country-stats-section {
    padding: 48px 0;
    background: #f8fafc;
    border-bottom: 1px solid #e2e8f0;
}
.country-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
@media (max-width: 1024px) {
    .country-stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }
}
@media (max-width: 580px) {
    .country-stats-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
}
.country-stat-box {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: var(--radius-lg);
    padding: 24px 20px;
    text-align: center;
    box-shadow: var(--shadow-xs);
    transition: transform var(--transition-bounce), box-shadow var(--transition-base), border-color var(--transition-base);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    min-height: 140px;
}
.country-stat-box:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: #93c5fd;
}
.country-stat-icon {
    font-size: 24px;
    line-height: 1;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.country-stat-val {
    font-size: clamp(1.15rem, 1.4vw, 1.35rem);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.3;
    margin-bottom: 6px;
    font-variant-numeric: tabular-nums;
}
.country-stat-lbl {
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

/* 3. Section Titles, Eyebrows & 2-Col Layout */
.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--blue);
    background: #eff6ff;
    border: 1px solid #bfdbfe;
    padding: 5px 14px;
    border-radius: 999px;
    margin-bottom: 14px;
}
.section-title {
    font-size: clamp(24px, 3.2vw, 36px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.25;
    letter-spacing: -0.02em;
    margin-bottom: 14px;
    text-wrap: balance;
}
.section-sub {
    font-size: 15px;
    color: var(--text-muted);
    line-height: 1.65;
    max-width: 680px;
    margin: 0 auto;
    text-wrap: pretty;
}
.two-col {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 48px;
    align-items: center;
}
@media (max-width: 960px) {
    .two-col {
        grid-template-columns: 1fr;
        gap: 36px;
    }
}

/* 4. Career Box & University Tags */
.career-opp-card {
    background: #f0fdf4;
    border: 1px solid rgba(5, 150, 105, 0.2);
    border-left: 4px solid var(--green);
    padding: 18px 22px;
    border-radius: var(--radius-md);
    margin: 24px 0;
    box-shadow: var(--shadow-xs);
}
.career-opp-card strong {
    color: var(--navy);
    font-size: 14.5px;
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 6px;
}
.career-opp-card p {
    font-size: 13.5px;
    color: #334155;
    line-height: 1.55;
    margin: 0;
}
.uni-tags-wrap {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 16px;
}
.uni-tag {
    background: #eff6ff;
    color: var(--blue);
    font-weight: 600;
    font-size: 13px;
    padding: 7px 16px;
    border-radius: 999px;
    border: 1px solid #bfdbfe;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: all 0.2s ease;
}
.uni-tag:hover {
    background: #dbeafe;
    border-color: #93c5fd;
    transform: translateY(-1px);
}

/* 5. What Lenders Offer (Docs Card) & Check Bullet List */
.docs-card {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: var(--radius-xl);
    padding: 34px 30px;
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition-bounce), box-shadow var(--transition-base), border-color var(--transition-base);
}
.docs-card:hover {
    border-color: #cbd5e1;
    box-shadow: var(--shadow-md);
}
.docs-card h3 {
    font-size: 19px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 10px;
}
.check-bullet-list {
    list-style: none;
    padding: 0;
    margin: 0 0 24px 0;
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.check-bullet-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 14px;
    font-weight: 500;
    color: #334155;
    line-height: 1.55;
}
.check-bullet-list li i {
    color: var(--green);
    font-size: 16px;
    margin-top: 3px;
    flex-shrink: 0;
}

/* 6. Document Checklist Cards */
.doc-checklist {
    list-style: none;
    padding: 0;
    margin: 14px 0 0 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.doc-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13.5px;
    color: #475569;
    line-height: 1.5;
}
.doc-checklist li i {
    color: var(--blue);
    font-size: 13px;
    margin-top: 4px;
    flex-shrink: 0;
}

/* 7. Institutional CTA Banner */
.cta-section {
    padding: 72px 0;
    background: linear-gradient(135deg, var(--navy) 0%, #173d7a 100%);
    text-align: center;
    color: #ffffff;
    position: relative;
    overflow: hidden;
}
.cta-section h2 {
    font-size: clamp(24px, 3.5vw, 36px);
    font-weight: 800;
    color: #ffffff;
    margin-bottom: 12px;
    letter-spacing: -0.02em;
    text-wrap: balance;
}
.cta-section p {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.85);
    max-width: 620px;
    margin: 0 auto 30px;
    line-height: 1.6;
    text-wrap: pretty;
}
.cta-btns {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}


/* ============================================================
   LEGAL PAGES — Privacy Policy · Terms · Disclaimer
   Industry-grade readable document styling
   ============================================================ */

/* ---- Legal Hero Banner ---- */
.legal-hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, #1a3a6b 100%);
    padding: 72px 0 56px;
    position: relative;
    overflow: hidden;
}
.legal-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 800px 500px at 70% 50%, rgba(5, 150, 105, 0.12) 0%, transparent 70%);
    pointer-events: none;
}
.legal-hero-inner {
    position: relative;
    z-index: 1;
}
.legal-meta-row {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 16px;
    flex-wrap: wrap;
}
.legal-badge {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: rgba(5, 150, 105, 0.18);
    border: 1px solid rgba(5, 150, 105, 0.35);
    color: #6ee7b7;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 5px 13px;
    border-radius: var(--radius-full);
}
.legal-updated {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: rgba(255,255,255,0.55);
    font-size: 12.5px;
}
.legal-hero h1 {
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 800;
    color: var(--white);
    letter-spacing: -0.025em;
    line-height: 1.15;
    margin-bottom: 14px;
    text-wrap: balance;
}
.legal-hero-lead {
    font-size: 15.5px;
    color: rgba(255,255,255,0.72);
    max-width: 680px;
    line-height: 1.65;
    margin-bottom: 28px;
}

/* ---- Legal Tab Nav ---- */
.legal-nav-tabs {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: 8px;
}
.legal-tab-btn {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 9px 18px;
    border-radius: var(--radius-full);
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    background: rgba(255,255,255,0.08);
    color: rgba(255,255,255,0.7);
    border: 1px solid rgba(255,255,255,0.14);
    transition: background var(--transition-fast), color var(--transition-fast), border-color var(--transition-fast);
}
.legal-tab-btn:hover {
    background: rgba(255,255,255,0.15);
    color: var(--white);
    border-color: rgba(255,255,255,0.3);
}
.legal-tab-btn.active {
    background: var(--green);
    color: var(--white);
    border-color: transparent;
}

/* ---- Legal Section Wrap & Grid ---- */
.legal-section-wrap {
    background: var(--bg-light);
    padding: 52px 0 72px;
}
.legal-grid {
    display: grid;
    grid-template-columns: 260px 1fr;
    gap: 36px;
    align-items: start;
}
@media (max-width: 900px) {
    .legal-grid {
        grid-template-columns: 1fr;
    }
}

/* ---- Sticky Sidebar ---- */
.legal-sidebar {
    position: sticky;
    top: 96px;
}
.legal-toc-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 14px;
    padding-bottom: 10px;
    border-bottom: 1px solid var(--border-color);
}
.legal-toc-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.legal-toc-link {
    display: block;
    font-size: 13px;
    font-weight: 500;
    color: var(--text-muted);
    text-decoration: none;
    padding: 7px 10px;
    border-radius: var(--radius-sm);
    border-left: 2px solid transparent;
    transition: color var(--transition-fast), background var(--transition-fast), border-color var(--transition-fast);
    line-height: 1.4;
}
.legal-toc-link:hover {
    color: var(--navy);
    background: rgba(10,29,55,0.05);
    border-left-color: var(--green);
}
.legal-toc-link.active {
    color: var(--green-dark);
    font-weight: 600;
    background: var(--green-bg);
    border-left-color: var(--green);
}

/* Sidebar help box */
.legal-help-box {
    margin-top: 24px;
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius);
    padding: 18px;
    box-shadow: var(--shadow-sm);
}
.legal-help-box h5 {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}
.legal-help-box h5 i { color: var(--green); }
.legal-help-box p {
    font-size: 12.5px;
    color: var(--text-muted);
    line-height: 1.55;
    margin-bottom: 12px;
}
.legal-help-box a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-size: 13px;
    font-weight: 600;
    color: var(--green-dark);
    text-decoration: none;
}
.legal-help-box a:hover { color: var(--green); }

/* ---- Main Content Card ---- */
.legal-content-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 48px 52px;
    box-shadow: var(--shadow-sm);
    min-width: 0;
}
@media (max-width: 640px) {
    .legal-content-card { padding: 28px 22px; }
}

/* ---- Legal Article Blocks ---- */
.legal-article-block {
    padding: 32px 0;
    border-bottom: 1px solid var(--border-color);
}
.legal-article-block:first-child { padding-top: 0; }
.legal-article-block:last-of-type { border-bottom: none; padding-bottom: 0; }

.legal-article-block h2 {
    font-size: 19px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 14px;
    letter-spacing: -0.015em;
    line-height: 1.25;
    display: flex;
    align-items: center;
    gap: 10px;
}
.legal-article-block h2::before {
    content: '';
    display: inline-block;
    width: 4px;
    height: 20px;
    background: var(--green);
    border-radius: 2px;
    flex-shrink: 0;
}
.legal-article-block p {
    font-size: 15px;
    color: var(--text-body);
    line-height: 1.75;
    margin-bottom: 12px;
    text-wrap: pretty;
}
.legal-article-block p:last-child { margin-bottom: 0; }
.legal-article-block ul,
.legal-article-block ol {
    padding-left: 0;
    list-style: none;
    margin: 12px 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.legal-article-block ul li,
.legal-article-block ol li {
    font-size: 14.5px;
    color: var(--text-body);
    line-height: 1.65;
    padding-left: 22px;
    position: relative;
}
.legal-article-block ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 9px;
    width: 6px;
    height: 6px;
    background: var(--green);
    border-radius: 50%;
}
.legal-article-block ol {
    counter-reset: legal-ol;
}
.legal-article-block ol li {
    counter-increment: legal-ol;
}
.legal-article-block ol li::before {
    content: counter(legal-ol) '.';
    position: absolute;
    left: 0;
    top: 0;
    font-weight: 700;
    color: var(--green-dark);
    font-size: 13px;
}
.legal-article-block strong {
    color: var(--navy);
    font-weight: 600;
}
.legal-article-block em {
    color: var(--text-muted);
    font-style: italic;
}

/* ---- Alert Boxes ---- */
.legal-notice-box,
.legal-alert-gold,
.legal-alert-green {
    border-radius: var(--radius);
    padding: 18px 22px;
    margin: 16px 0 20px;
}
.legal-notice-box {
    background: #eff6ff;
    border: 1px solid #bfdbfe;
    color: #1e40af;
}
.legal-notice-box p {
    color: #1e40af !important;
    font-size: 13.5px !important;
    margin: 0 !important;
    line-height: 1.65 !important;
}
.legal-alert-gold {
    background: var(--amber-bg);
    border: 1px solid #fcd34d;
}
.legal-alert-gold h4 {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13.5px;
    font-weight: 700;
    color: var(--amber-dark);
    margin-bottom: 8px;
}
.legal-alert-gold p {
    font-size: 13.5px !important;
    color: #78350f !important;
    line-height: 1.65 !important;
    margin: 0 !important;
}
.legal-alert-green {
    background: var(--green-bg);
    border: 1px solid #6ee7b7;
}
.legal-alert-green h4 {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13.5px;
    font-weight: 700;
    color: var(--green-dark);
    margin-bottom: 8px;
}
.legal-alert-green p {
    font-size: 13.5px !important;
    color: var(--green-dark) !important;
    line-height: 1.65 !important;
    margin: 0 !important;
}

/* ---- Legal Table ---- */
.legal-table-wrap {
    overflow-x: auto;
    border-radius: var(--radius);
    border: 1px solid var(--border-color);
    margin: 16px 0;
}
.legal-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
}
.legal-table td {
    padding: 13px 18px;
    color: var(--text-body);
    border-bottom: 1px solid var(--border-color);
    vertical-align: top;
    line-height: 1.55;
}
.legal-table tr:last-child td { border-bottom: none; }
.legal-table tr:nth-child(even) td { background: var(--bg-light); }
.legal-table td:first-child {
    font-weight: 600;
    color: var(--navy);
    white-space: nowrap;
    width: 200px;
}
.legal-table a {
    color: var(--green-dark);
    text-decoration: underline;
}

/* ---- Protective Note Box ---- */
.protective-note-box {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    background: #fef9ec;
    border: 1px solid #fcd34d;
    border-radius: var(--radius);
    padding: 18px 22px;
    margin-top: 28px;
}
.protective-note-box > i {
    color: var(--amber);
    font-size: 18px;
    margin-top: 2px;
    flex-shrink: 0;
}
.protective-note-box div {
    font-size: 13.5px;
    color: #78350f;
    line-height: 1.65;
}
.protective-note-box strong { color: #92400e; }
.protective-tc-badge {
    display: inline-block;
    margin-top: 8px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--amber-dark);
    background: rgba(217,119,6,0.12);
    padding: 3px 10px;
    border-radius: var(--radius-full);
}

/* ---- Breadcrumb ---- */
.breadcrumb {
    font-size: 13px;
    line-height: 1.4;
}
.breadcrumb a {
    text-decoration: none;
    transition: color var(--transition-fast);
}
.breadcrumb a:hover { color: #6ee7b7 !important; }

/* ---- TOC active highlight (JS driven) ---- */
@media (min-width: 901px) {
    .legal-sidebar { min-width: 220px; }
}