/* ============================================================
   Isha Fincorp & Balaji Finserve — Master Stylesheet
   Pure HTML/CSS/JS frontend
   ============================================================ */

/* ---------- Font: Poppins ---------- */
@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800;900&display=swap');

/* ---------- Design Tokens ---------- */
:root {
  /* ---- Logo-based palette: gold medallion + dark-brown house + charcoal ---- */
  --navy: #2b2118;         /* dark base (espresso / charcoal-brown) */
  --navy-2: #45341d;       /* medium warm brown */
  --navy-soft: #f8f1e4;    /* warm cream tint */
  --gold: #e0a82e;         /* logo gold */
  --gold-dark: #b0790f;    /* deep amber-gold */
  --green: #8a5a1c;        /* repurposed → warm bronze/brown */
  --green-dark: #5c3a0d;   /* logo house dark brown */
  --ink: #241c14;          /* warm near-black text */
  --muted: #6d6152;        /* warm gray-brown */
  --line: #ece2d2;         /* warm border */
  --bg: #ffffff;
  --bg-alt: #faf5ec;       /* warm cream */
  --white: #ffffff;
  --shadow-sm: 0 2px 10px rgba(43, 33, 24, 0.07);
  --shadow-md: 0 10px 30px rgba(43, 33, 24, 0.12);
  --shadow-lg: 0 20px 50px rgba(43, 33, 24, 0.18);
  --radius: 14px;
  --radius-lg: 22px;
  --container: 1200px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --font: "Poppins", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

/* ---------- Reset ---------- */
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; }
input, textarea, select { font-family: inherit; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 22px; }
.section { padding: 54px 0; }
.section.alt { background: var(--bg-alt); }
.section.navy { background: var(--navy); color: #f0e6d4; }
.center { text-align: center; }

.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: rgba(244, 169, 48, .12);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.section.navy .eyebrow { color: var(--gold); background: rgba(244, 169, 48, .16); }

.section-title {
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  line-height: 1.2;
  color: var(--navy);
  font-weight: 800;
  letter-spacing: -.5px;
}
.section.navy .section-title { color: #fff; }
.section-sub {
  max-width: 620px;
  margin: 14px auto 0;
  color: var(--muted);
  font-size: 1.02rem;
}
.section.navy .section-sub { color: #e7d9c2; }
.head-block { margin-bottom: 36px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 13px 26px;
  border-radius: 999px;
  font-weight: 700;
  font-size: .95rem;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-gold { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: #3a2600; box-shadow: 0 8px 20px rgba(244,169,48,.35); }
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 14px 28px rgba(244,169,48,.45); }
.btn-green { background: linear-gradient(135deg, var(--green), var(--green-dark)); color: #fff; box-shadow: 0 8px 20px rgba(138,90,28,.3); }
.btn-green:hover { transform: translateY(-3px); box-shadow: 0 14px 28px rgba(138,90,28,.4); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); transform: translateY(-3px); }
.btn-ghost { background: transparent; color: var(--navy); border: 2px solid var(--line); }
.btn-ghost:hover { border-color: var(--navy); transform: translateY(-3px); }
.btn-white { background: #fff; color: var(--navy); }
.btn-white:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.btn-sm { padding: 9px 18px; font-size: .85rem; }

/* ============================================================
   TOP BAR
   ============================================================ */
.topbar {
  background: linear-gradient(90deg, #241a12 0%, #3a2c18 50%, #241a12 100%);
  color: #e7d9c2;
  font-size: .84rem;
  border-bottom: 1px solid rgba(224,168,46,.22);
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; height: 42px; }
.topbar a { color: #e7d9c2; transition: color .2s; }
.topbar a:hover { color: var(--gold); }
.topbar-left { display: flex; gap: 26px; }
.topbar-left span { display: inline-flex; align-items: center; gap: 8px; }
.topbar-left span svg { color: var(--gold); }
.topbar-social { display: flex; gap: 9px; align-items: center; }
.topbar-social a {
  width: 28px; height: 28px; border-radius: 50%;
  display: inline-grid; place-items: center;
  background: rgba(255,255,255,.08); color: #e7d9c2;
  border: 1px solid rgba(224,168,46,.28);
  transition: background .25s var(--ease), color .25s, transform .25s, border-color .25s;
}
.topbar-social a:hover { background: var(--gold); color: #2b2118; border-color: var(--gold); transform: translateY(-2px); }
.topbar-social a svg { width: 14px; height: 14px; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,.82);
  backdrop-filter: blur(14px) saturate(1.25);
  -webkit-backdrop-filter: blur(14px) saturate(1.25);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .3s, background .3s;
}
.header::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px;
  background: linear-gradient(90deg, transparent, rgba(224,168,46,.55), transparent);
  opacity: 0; transition: opacity .3s;
}
.header.scrolled { box-shadow: 0 8px 26px rgba(43,33,24,.10); background: rgba(255,255,255,.95); }
.header.scrolled::after { opacity: 1; }
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; gap: 16px; }

.brand { display: flex; align-items: center; gap: 12px; transition: transform .3s var(--ease); }
.brand:hover { transform: translateY(-1px); }
.brand-mark {
  width: 46px; height: 46px; border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  display: grid; place-items: center;
  color: var(--gold); font-weight: 900; font-size: 1.25rem;
  box-shadow: var(--shadow-sm);
}
.brand-logo {
  height: 58px; width: auto; max-width: 220px; border-radius: 13px; display: block; object-fit: contain;
  box-shadow: 0 6px 18px rgba(43,33,24,.18); transition: box-shadow .3s;
}
.brand:hover .brand-logo { box-shadow: 0 10px 24px rgba(224,168,46,.35); }
.footer .brand-logo { height: 66px; max-width: 240px; box-shadow: none; }
.brand-text { line-height: 1.1; }
.brand-text b { display: block; color: var(--navy); font-size: 1.16rem; font-weight: 800; letter-spacing: -.3px; }
.brand-text span { font-size: .72rem; color: var(--muted); letter-spacing: .06em; }

.menu { display: flex; align-items: center; gap: 2px; }
.menu > li { position: relative; }
.menu > li > a {
  position: relative;
  display: block;
  padding: 10px 16px;
  font-weight: 600;
  font-size: .95rem;
  color: var(--ink);
  border-radius: 10px;
  transition: color .25s;
}
.menu > li > a:hover { color: var(--gold-dark); }
.menu > li.active > a { color: var(--gold-dark); }

/* Dropdown */
.has-drop { position: relative; }
.drop-toggle::after {
  content: ""; display: inline-block; width: 7px; height: 7px;
  margin-left: 8px; vertical-align: 2px;
  border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: rotate(45deg); transform-origin: center; opacity: .8;
  transition: transform .25s var(--ease), opacity .25s;
}
.has-drop:hover .drop-toggle { color: var(--gold-dark); }
.has-drop:hover .drop-toggle::after { transform: rotate(-135deg); opacity: 1; }
.dropdown {
  position: absolute; top: calc(100% + 8px); left: 50%;
  min-width: 246px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: 0 18px 44px rgba(43,33,24,.16);
  padding: 10px;
  opacity: 0; visibility: hidden; transform: translateX(-50%) translateY(10px);
  transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
  overflow: hidden;
}
.dropdown::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
}
.has-drop:hover .dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.dropdown a {
  display: flex; align-items: center; gap: 12px;
  padding: 11px 13px; border-radius: 12px;
  font-size: .92rem; font-weight: 600; color: var(--ink);
  transition: background .22s, color .22s, padding-left .22s;
}
.dropdown a i {
  font-style: normal; display: grid; place-items: center;
  width: 34px; height: 34px; border-radius: 10px; flex: 0 0 34px;
  background: var(--navy-soft); color: var(--gold-dark); font-size: 1rem;
  transition: background .22s, color .22s;
}
.dropdown a:hover { background: var(--navy-soft); color: var(--navy); padding-left: 17px; }
.dropdown a:hover i { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: #2b2118; }

.nav-cta { display: flex; align-items: center; gap: 12px; }
/* Stylish Apply Now button with shine sweep */
.nav-cta .btn-gold {
  position: relative; overflow: hidden;
  padding: 11px 24px; font-weight: 800; letter-spacing: .01em;
  box-shadow: 0 8px 20px rgba(224,168,46,.38);
}
.nav-cta .btn-gold::before {
  content: ""; position: absolute; top: 0; left: -120%; width: 60%; height: 100%;
  background: linear-gradient(100deg, transparent, rgba(255,255,255,.55), transparent);
  transform: skewX(-20deg); transition: left .6s var(--ease);
}
.nav-cta .btn-gold:hover::before { left: 130%; }
.hamburger {
  display: none; width: 44px; height: 44px;
  border-radius: 10px; background: var(--navy-soft);
  position: relative;
}
.hamburger span {
  position: absolute; top: 50%; left: 12px; width: 20px; height: 2px; margin-top: -1px;
  background: var(--navy); border-radius: 2px; transition: .3s;
}
.hamburger span::before, .hamburger span::after {
  content: ""; position: absolute; left: 0; width: 20px; height: 2px;
  background: var(--navy); border-radius: 2px; transition: .3s;
}
.hamburger span::before { top: -6px; }
.hamburger span::after { top: 6px; }
.hamburger.open span { background: transparent; }
.hamburger.open span::before { top: 0; transform: rotate(45deg); }
.hamburger.open span::after { top: 0; transform: rotate(-45deg); }

/* ============================================================
   HERO CAROUSEL
   ============================================================ */
.hero { position: relative; overflow: hidden; background: var(--navy); }
.slides { position: relative; height: min(78vh, 620px); }
.slide {
  position: absolute; inset: 0;
  opacity: 0; visibility: hidden;
  transition: opacity 1s var(--ease);
  display: flex; align-items: center;
}
.slide.active { opacity: 1; visibility: visible; }
.slide::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(100deg, rgba(43,33,24,.94) 0%, rgba(43,33,24,.78) 45%, rgba(43,33,24,.4) 100%);
  z-index: 1;
}
.slide-bg { position: absolute; inset: 0; z-index: 0; background-size: cover; background-position: center; transform: scale(1.08); transition: transform 7s ease; }
.slide.active .slide-bg { transform: scale(1); }
.slide-inner { position: relative; z-index: 2; max-width: 640px; color: #fff; }
.slide-tag {
  display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--gold);
  border: 1px solid rgba(244,169,48,.5); border-radius: 999px;
  padding: 7px 16px; margin-bottom: 20px;
  background: rgba(244,169,48,.1);
}
.slide h1 {
  font-size: clamp(2rem, 5.2vw, 3.6rem);
  line-height: 1.08; font-weight: 800; letter-spacing: -1px;
  margin-bottom: 16px;
}
.slide h1 em { font-style: normal; color: var(--gold); }
.slide p { font-size: 1.12rem; color: #e7d9c2; margin-bottom: 30px; max-width: 500px; }
.slide-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-arrows { position: absolute; z-index: 5; bottom: 30px; right: 30px; display: flex; gap: 10px; }
.hero-arrows button {
  width: 50px; height: 50px; border-radius: 50%;
  background: rgba(255,255,255,.12); color: #fff; font-size: 1.2rem;
  border: 1px solid rgba(255,255,255,.28);
  transition: background .25s, transform .25s;
  display: grid; place-items: center;
}
.hero-arrows button:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.hero-dots { position: absolute; z-index: 5; bottom: 30px; left: 30px; display: flex; gap: 9px; }
.hero-dots button { width: 12px; height: 12px; border-radius: 999px; background: rgba(255,255,255,.35); transition: .3s; }
.hero-dots button.active { width: 34px; background: var(--gold); }

/* ---------- Quick stats bar under hero ---------- */
.stats-bar { background: #fff; box-shadow: var(--shadow-md); border-radius: var(--radius-lg); margin-top: -48px; position: relative; z-index: 10; }
.stats-bar .container { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 30px 20px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: none; }
.stat b { display: block; font-size: 2rem; color: var(--navy); font-weight: 800; letter-spacing: -1px; }
.stat b .plus { color: var(--gold); }
.stat span { font-size: .9rem; color: var(--muted); font-weight: 600; }

/* ============================================================
   SERVICES SNAPSHOT
   ============================================================ */
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.service-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: transform .3s var(--ease), box-shadow .3s, border-color .3s;
  position: relative; overflow: hidden;
}
.service-card::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 4px; width: 0;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark)); transition: width .35s var(--ease);
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-card:hover::after { width: 100%; }
.service-icon {
  width: 60px; height: 60px; border-radius: 16px;
  background: var(--navy-soft); color: var(--navy);
  display: grid; place-items: center; font-size: 1.7rem; margin-bottom: 18px;
  transition: background .3s, color .3s;
}
.service-card:hover .service-icon { background: var(--navy); color: var(--gold); }
.service-card h3 { font-size: 1.18rem; color: var(--navy); margin-bottom: 10px; font-weight: 700; }
.service-card p { font-size: .93rem; color: var(--muted); margin-bottom: 18px; }
.service-links { display: flex; gap: 10px; align-items: center; }
.link-arrow { color: var(--navy); font-weight: 700; font-size: .9rem; display: inline-flex; align-items: center; gap: 6px; transition: gap .25s, color .25s; }
.link-arrow:hover { color: var(--gold-dark); gap: 11px; }
.chip-enquiry {
  font-size: .8rem; font-weight: 700; color: var(--green-dark);
  background: rgba(138,90,28,.1); padding: 6px 12px; border-radius: 999px;
  transition: background .2s;
}
.chip-enquiry:hover { background: rgba(138,90,28,.2); }

/* ============================================================
   USP SECTION
   ============================================================ */
.usp-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.usp {
  text-align: center; padding: 34px 22px; border-radius: var(--radius);
  background: #fff; border: 1px solid var(--line); transition: transform .3s, box-shadow .3s;
}
.usp:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.usp-ico {
  width: 68px; height: 68px; margin: 0 auto 16px; border-radius: 50%;
  display: grid; place-items: center; font-size: 1.8rem;
  background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: var(--gold);
}
.usp h4 { color: var(--navy); font-size: 1.08rem; margin-bottom: 8px; }
.usp p { font-size: .9rem; color: var(--muted); }

/* ============================================================
   WHY CHOOSE US (split)
   ============================================================ */
.why-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why-visual { position: relative; }
.why-visual img { width: 100%; height: 460px; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.why-badge {
  position: absolute; bottom: -24px; left: -24px;
  background: #fff; border-radius: 18px; padding: 20px 24px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 14px;
}
.why-badge .b-ico { width: 52px; height: 52px; border-radius: 14px; background: rgba(138,90,28,.12); color: var(--green-dark); display: grid; place-items: center; font-size: 1.5rem; }
.why-badge b { display: block; font-size: 1.5rem; color: var(--navy); }
.why-badge span { font-size: .82rem; color: var(--muted); }
.why-list { display: grid; gap: 20px; margin-top: 26px; }
.why-item { display: flex; gap: 16px; }
.why-item .w-ico { flex: 0 0 48px; width: 48px; height: 48px; border-radius: 12px; background: var(--navy-soft); color: var(--navy); display: grid; place-items: center; font-size: 1.35rem; }
.why-item h4 { color: var(--navy); font-size: 1.05rem; margin-bottom: 3px; }
.why-item p { font-size: .92rem; color: var(--muted); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testi-track { position: relative; max-width: 860px; margin: 0 auto; }
.testi {
  display: none; text-align: center; padding: 10px;
}
.testi.active { display: block; animation: fade .6s var(--ease); }
@keyframes fade { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.testi-quote { font-size: 1.28rem; line-height: 1.6; color: #f8f1e4; font-weight: 500; margin-bottom: 26px; }
.section:not(.navy) .testi-quote { color: var(--ink); }
.testi-stars { color: var(--gold); letter-spacing: 3px; margin-bottom: 22px; font-size: 1.1rem; }
.testi-person { display: flex; align-items: center; justify-content: center; gap: 14px; }
.testi-avatar { width: 58px; height: 58px; border-radius: 50%; object-fit: cover; border: 3px solid var(--gold); }
.testi-person b { display: block; color: #fff; font-size: 1rem; }
.section:not(.navy) .testi-person b { color: var(--navy); }
.testi-person span { font-size: .85rem; color: #d9c8ad; }
.testi-nav { display: flex; justify-content: center; gap: 10px; margin-top: 30px; }
.testi-nav button { width: 12px; height: 12px; border-radius: 999px; background: rgba(255,255,255,.3); transition: .3s; }
.section:not(.navy) .testi-nav button { background: var(--line); }
.testi-nav button.active { width: 34px; background: var(--gold); }

/* ============================================================
   PARTNER LOGO STRIP
   ============================================================ */
.logo-strip { overflow: hidden; position: relative; padding: 10px 0; }
.logo-strip::before, .logo-strip::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 120px; z-index: 2;
}
.logo-strip::before { left: 0; background: linear-gradient(90deg, var(--bg-alt), transparent); }
.logo-strip::after { right: 0; background: linear-gradient(270deg, var(--bg-alt), transparent); }
.logo-track { display: flex; gap: 54px; width: max-content; animation: marquee 32s linear infinite; }
.logo-strip:hover .logo-track { animation-play-state: paused; }
.logo-item {
  height: 46px; display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.15rem; color: var(--navy); opacity: .55;
  white-space: nowrap; transition: opacity .3s;
  padding: 0 8px; letter-spacing: -.3px;
}
.logo-item:hover { opacity: 1; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ============================================================
   FAQ (accordion)
   ============================================================ */
.faq-wrap { max-width: 820px; margin: 0 auto; }
.faq {
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  margin-bottom: 14px; overflow: hidden; transition: box-shadow .25s, border-color .25s;
}
.faq.open { box-shadow: var(--shadow-md); border-color: transparent; }
.faq-q {
  width: 100%; text-align: left; background: none; padding: 20px 22px;
  font-size: 1.02rem; font-weight: 700; color: var(--navy);
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-q .ico { flex: 0 0 26px; width: 26px; height: 26px; border-radius: 50%; background: var(--navy-soft); color: var(--navy); display: grid; place-items: center; font-size: 1.1rem; transition: transform .3s, background .3s, color .3s; }
.faq.open .faq-q .ico { transform: rotate(45deg); background: var(--gold); color: var(--navy); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.faq-a p { padding: 0 22px 20px; color: var(--muted); font-size: .95rem; }

/* ============================================================
   ENQUIRY / CTA SECTION
   ============================================================ */
.enquiry-wrap { display: grid; grid-template-columns: 1fr 1.1fr; gap: 50px; align-items: center; }
.enquiry-copy h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); color: #fff; font-weight: 800; line-height: 1.15; letter-spacing: -.5px; }
.enquiry-copy p { color: #e7d9c2; margin: 16px 0 26px; font-size: 1.03rem; }
.enquiry-points { display: grid; gap: 14px; }
.enquiry-points li { display: flex; gap: 12px; align-items: center; color: #f0e6d4; font-weight: 500; }
.enquiry-points .tick { width: 26px; height: 26px; border-radius: 50%; background: rgba(138,90,28,.2); color: #e0b04a; display: grid; place-items: center; flex: 0 0 26px; font-size: .9rem; }

.form-card { background: #fff; border-radius: var(--radius-lg); padding: 34px; box-shadow: var(--shadow-lg); }
.form-card h3 { color: var(--navy); font-size: 1.35rem; margin-bottom: 5px; }
.form-card .sub { color: var(--muted); font-size: .9rem; margin-bottom: 22px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 15px; }
.field label { display: block; font-size: .82rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px;
  font-size: .93rem; color: var(--ink); background: #fdfaf4; transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy-2); box-shadow: 0 0 0 3px rgba(69,52,29,.12); background: #fff;
}
.field textarea { resize: vertical; min-height: 90px; }
.form-note { font-size: .78rem; color: var(--muted); margin-top: 10px; text-align: center; }
.form-msg { margin-top: 14px; padding: 12px 16px; border-radius: 10px; font-size: .9rem; font-weight: 600; display: none; }
.form-msg.show { display: block; animation: fade .4s var(--ease); }
.form-msg.ok { background: rgba(138,90,28,.12); color: var(--green-dark); }
.form-msg.err { background: rgba(220,38,38,.1); color: #b91c1c; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: #ef4444; }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background:
    linear-gradient(100deg, rgba(43,33,24,.92) 0%, rgba(43,33,24,.74) 55%, rgba(43,33,24,.55) 100%),
    url("../images/hero-banner.jpg") center center / cover no-repeat;
  color: #fff; padding: 62px 0; position: relative; overflow: hidden;
}
.page-hero::after {
  content: ""; position: absolute; right: -80px; top: -80px; width: 340px; height: 340px;
  background: radial-gradient(circle, rgba(244,169,48,.22), transparent 70%);
}
.page-hero h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 800; letter-spacing: -.5px; }
.page-hero p { color: #e7d9c2; margin-top: 10px; max-width: 620px; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: .85rem; color: #d9c8ad; margin-bottom: 14px; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { opacity: .6; }

/* ============================================================
   LOAN DETAIL PAGE
   ============================================================ */
.loan-layout { display: grid; grid-template-columns: 1fr 360px; gap: 44px; align-items: start; }
.loan-body img { width: 100%; height: 400px; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow-lg); margin-bottom: 26px; }
.loan-body h2 { color: var(--navy); font-size: 1.6rem; margin: 8px 0 12px; }
.loan-body h3 { color: var(--navy); font-size: 1.2rem; margin: 26px 0 12px; }
.loan-body p { color: var(--muted); margin-bottom: 14px; }
.feature-list { display: grid; gap: 12px; margin: 18px 0; }
.feature-list li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink); }
.feature-list .tick { flex: 0 0 24px; width: 24px; height: 24px; border-radius: 50%; background: linear-gradient(140deg, var(--green), var(--green-dark)); color: #fff; display: grid; place-items: center; font-size: .78rem; margin-top: 3px; box-shadow: 0 4px 10px rgba(138,90,28,.3); }
.mini-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 26px 0; }
.mini-card {
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px 18px; text-align: center;
  box-shadow: 0 6px 18px rgba(43,33,24,.05); transition: transform .3s var(--ease), box-shadow .3s, border-color .3s;
}
.mini-card:hover { transform: translateY(-6px); box-shadow: 0 16px 32px rgba(43,33,24,.1); border-color: rgba(244,169,48,.4); }
.mini-card .mc-ico {
  width: 52px; height: 52px; margin: 0 auto 12px; border-radius: 14px;
  background: linear-gradient(140deg, var(--navy), var(--navy-2)); color: var(--gold);
  display: grid; place-items: center; box-shadow: 0 8px 16px rgba(43,33,24,.2); font-size: 1.3rem;
  transition: transform .3s var(--ease);
}
.mini-card:hover .mc-ico { transform: scale(1.08); }
.mini-card .mc-ico svg { width: 24px; height: 24px; }
.mini-card b { display: block; color: var(--navy); font-size: 1rem; }
.mini-card span { font-size: .82rem; color: var(--muted); }

.loan-aside { position: sticky; top: 96px; display: grid; gap: 22px; }
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 28px 26px; box-shadow: 0 10px 26px rgba(43,33,24,.06); position: relative; overflow: hidden; }
.aside-card:not(.aside-navy)::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--gold), var(--gold-dark)); }
.aside-card h3 { color: var(--navy); font-size: 1.15rem; margin-bottom: 6px; }
.aside-card .sub { font-size: .86rem; color: var(--muted); margin-bottom: 18px; }
.aside-navy { background: linear-gradient(140deg, var(--navy), var(--navy-2)); color: #fff; text-align: center; }
.aside-navy h3 { color: #fff; }
.aside-navy p { color: #e7d9c2; font-size: .9rem; margin-bottom: 16px; }

/* ---------- EMI Calculator ---------- */
.calc-field { margin-bottom: 16px; }
.calc-field label { display: flex; justify-content: space-between; font-size: .84rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.calc-field label b { color: var(--gold-dark); }
input[type="range"] { -webkit-appearance: none; width: 100%; height: 6px; border-radius: 999px; background: var(--line); outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--navy); cursor: pointer; box-shadow: 0 2px 6px rgba(43,33,24,.4); border: 3px solid #fff; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--navy); cursor: pointer; border: 3px solid #fff; }
.calc-result { background: var(--navy-soft); border-radius: 12px; padding: 18px; text-align: center; margin-top: 6px; }
.calc-result span { font-size: .82rem; color: var(--muted); font-weight: 600; }
.calc-result b { display: block; font-size: 1.9rem; color: var(--navy); font-weight: 800; }
.calc-break { display: flex; justify-content: space-around; margin-top: 12px; font-size: .8rem; color: var(--muted); }
.calc-break b { color: var(--navy); font-size: .95rem; display: block; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.mv-card {
  background: #fff; border: 1px solid var(--line);
  border-radius: 18px; padding: 34px 32px;
  box-shadow: 0 10px 30px rgba(43,33,24,.06); position: relative; overflow: hidden;
  display: grid; grid-template-columns: auto 1fr; column-gap: 22px; row-gap: 8px; align-items: start;
  transition: transform .35s var(--ease), box-shadow .35s, border-color .35s;
}
/* soft gold corner glow + gold bottom accent */
.mv-card::before {
  content: ""; position: absolute; top: 0; right: 0; width: 150px; height: 150px; z-index: 0;
  background: radial-gradient(circle at 82% 18%, rgba(244,169,48,.14), transparent 68%);
}
.mv-card::after {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; height: 100%;
  background: linear-gradient(180deg, var(--gold), var(--gold-dark));
}
.mv-card > * { position: relative; z-index: 1; }
.mv-card:hover { transform: translateY(-8px); box-shadow: 0 24px 50px rgba(43,33,24,.13); border-color: rgba(244,169,48,.45); }
.mv-card .mv-ico {
  grid-column: 1; grid-row: 1 / span 2; align-self: start;
  width: 62px; height: 62px; border-radius: 16px;
  background: linear-gradient(140deg, var(--navy), var(--navy-2)); color: var(--gold);
  display: grid; place-items: center; margin-bottom: 0;
  box-shadow: 0 12px 24px rgba(43,33,24,.22); transition: transform .4s var(--ease);
}
.mv-card:hover .mv-ico { transform: scale(1.06); }
.mv-card .mv-ico svg { width: 28px; height: 28px; }
.mv-card h3 { grid-column: 2; grid-row: 1; color: var(--navy); font-size: 1.3rem; margin-bottom: 0; align-self: center; }
.mv-card p { grid-column: 2; grid-row: 2; color: var(--muted); }

/* ---------- Closing CTA panel ---------- */
.cta-section { padding: 54px 0; }
.cta-panel {
  position: relative; overflow: hidden; border-radius: 28px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  padding: 48px 54px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; justify-content: space-between; gap: 34px; flex-wrap: wrap;
}
.cta-panel::before {
  content: ""; position: absolute; top: -70px; right: -50px; width: 280px; height: 280px; border-radius: 50%;
  background: radial-gradient(circle, rgba(244,169,48,.30), transparent 70%);
}
.cta-panel::after {
  content: ""; position: absolute; left: -30px; bottom: -60px; width: 200px; height: 200px;
  background-image: radial-gradient(rgba(255,255,255,.12) 1.5px, transparent 1.5px);
  background-size: 16px 16px; opacity: .6;
}
.cta-copy { position: relative; z-index: 1; max-width: 640px; }
.cta-copy .eyebrow { color: var(--gold); background: rgba(244,169,48,.16); margin-bottom: 12px; }
.cta-copy h2 { color: #fff; font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 800; letter-spacing: -.5px; line-height: 1.15; margin-bottom: 10px; }
.cta-copy p { color: #e7d9c2; font-size: 1.02rem; }
.cta-action { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.cta-action .btn-gold { padding: 15px 34px; font-size: 1rem; }
.cta-action .cta-note { color: #d9c8ad; font-size: .82rem; font-weight: 600; }
@media (max-width: 760px) {
  .cta-panel { padding: 36px 30px; }
  .cta-action { align-items: stretch; width: 100%; }
  .cta-action .btn-gold { justify-content: center; }
}

.value-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.value-card { text-align: center; padding: 30px 22px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); transition: transform .3s, box-shadow .3s; }
.value-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.value-card .v-ico { font-size: 2rem; margin-bottom: 12px; }
.value-card h4 { color: var(--navy); margin-bottom: 8px; }
.value-card p { font-size: .9rem; color: var(--muted); }

/* ============================================================
   BLOG
   ============================================================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.blog-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: transform .3s, box-shadow .3s; display: flex; flex-direction: column; }
.blog-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.blog-thumb { height: 200px; background-size: cover; background-position: center; position: relative; }
.blog-cat { position: absolute; top: 14px; left: 14px; background: var(--gold); color: var(--navy); font-size: .74rem; font-weight: 800; padding: 5px 12px; border-radius: 999px; text-transform: uppercase; letter-spacing: .05em; }
.blog-content { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.blog-meta { font-size: .8rem; color: var(--muted); margin-bottom: 8px; display: flex; gap: 14px; }
.blog-content h3 { color: var(--navy); font-size: 1.12rem; margin-bottom: 10px; line-height: 1.35; }
.blog-content p { font-size: .9rem; color: var(--muted); margin-bottom: 16px; flex: 1; }

/* ============================================================
   TESTIMONIALS PAGE GRID
   ============================================================ */
.testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.testi-box { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); position: relative; transition: transform .3s, box-shadow .3s; }
.testi-box:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.testi-box .qmark { font-size: 3rem; color: var(--navy-soft); font-weight: 900; line-height: .6; position: absolute; top: 22px; right: 22px; }
.testi-box .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 12px; }
.testi-box p { color: var(--muted); font-size: .93rem; margin-bottom: 20px; }
.testi-box .person { display: flex; align-items: center; gap: 12px; }
.testi-box .person img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.testi-box .person b { display: block; color: var(--navy); font-size: .95rem; }
.testi-box .person span { font-size: .8rem; color: var(--muted); }

/* ============================================================
   CONTACT
   ============================================================ */
/* ---- Unified split contact card (navy info panel + form) ---- */
.contact-card {
  display: grid; grid-template-columns: 0.9fr 1.1fr;
  border-radius: 26px; overflow: hidden; background: #fff;
  box-shadow: 0 30px 60px rgba(43,33,24,.14); border: 1px solid var(--line);
}
.contact-aside {
  position: relative; overflow: hidden; color: #fff; padding: 46px 42px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
}
.contact-aside::before {
  content: ""; position: absolute; top: -70px; right: -50px; width: 240px; height: 240px; border-radius: 50%;
  background: radial-gradient(circle, rgba(244,169,48,.26), transparent 70%);
}
.contact-aside::after {
  content: ""; position: absolute; left: -20px; bottom: -30px; width: 170px; height: 170px;
  background-image: radial-gradient(rgba(255,255,255,.10) 1.5px, transparent 1.5px); background-size: 15px 15px; opacity: .6;
}
.contact-aside > * { position: relative; z-index: 1; }
.contact-aside .eyebrow { color: var(--gold); background: rgba(244,169,48,.16); margin-bottom: 14px; }
.contact-aside h3 { color: #fff; font-size: 1.5rem; font-weight: 800; line-height: 1.2; margin-bottom: 10px; }
.contact-aside > p { color: #e7d9c2; font-size: .95rem; }
.contact-list { display: grid; gap: 20px; margin: 26px 0 28px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; }
.contact-list .ci {
  flex: 0 0 44px; width: 44px; height: 44px; border-radius: 12px;
  background: rgba(244,169,48,.16); color: var(--gold); display: grid; place-items: center;
}
.contact-list .ci svg { width: 20px; height: 20px; }
.contact-list b { display: block; color: #fff; font-size: .95rem; margin-bottom: 2px; }
.contact-list span, .contact-list a { color: #e7d9c2; font-size: .88rem; }
.contact-list a:hover { color: var(--gold); }
.contact-social { display: flex; gap: 10px; }
.contact-social a { width: 40px; height: 40px; border-radius: 11px; background: rgba(255,255,255,.1); color: #e7d9c2; display: grid; place-items: center; transition: background .25s, color .25s, transform .25s; }
.contact-social a svg { width: 18px; height: 18px; }
.contact-social a:hover { background: var(--gold); color: var(--navy); transform: translateY(-3px); }
.contact-form { padding: 46px 44px; }
.contact-form h3 { color: var(--navy); font-size: 1.35rem; margin-bottom: 5px; }
.contact-form .sub { color: var(--muted); font-size: .9rem; margin-bottom: 22px; }
.contact-form .field label { color: var(--navy); }
.contact-form .field input, .contact-form .field select, .contact-form .field textarea {
  border-radius: 12px; padding: 13px 15px; border: 1.5px solid var(--line); background: #faf6ef;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.contact-form .field input:focus, .contact-form .field select:focus, .contact-form .field textarea:focus {
  border-color: var(--gold); box-shadow: 0 0 0 3px rgba(244,169,48,.18); background: #fff; outline: none;
}
.contact-form .btn-gold { border-radius: 12px; padding: 15px; }
@media (max-width: 860px) {
  .contact-card { grid-template-columns: 1fr; }
  .contact-aside { padding: 38px 30px; }
  .contact-form { padding: 36px 30px; }
}
.map-embed { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-md); margin-top: 30px; height: 320px; border: 1px solid var(--line); }
.map-embed iframe { width: 100%; height: 100%; border: 0; }

/* ============================================================
   LEGAL PAGES
   ============================================================ */
/* widen the container on legal pages so the side gap is small */
.container:has(> .legal-body) { max-width: 1300px; }
.legal-body {
  max-width: 100%; margin: 0 auto; position: relative; overflow: hidden;
  background: #fff; border: 1px solid var(--line); border-radius: 22px;
  padding: 46px 52px; box-shadow: 0 20px 50px rgba(43,33,24,.07);
}
.legal-body::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px; background: linear-gradient(90deg, var(--gold), var(--gold-dark)); }
.legal-updated { display: inline-block; background: var(--navy-soft); color: var(--navy); font-style: normal; font-weight: 700; font-size: .8rem; letter-spacing: .02em; padding: 7px 16px; border-radius: 999px; margin-bottom: 30px; }
.legal-body h2 { color: var(--navy); font-size: 1.28rem; margin: 32px 0 12px; padding-left: 16px; position: relative; }
.legal-body h2::before { content: ""; position: absolute; left: 0; top: 3px; bottom: 3px; width: 4px; border-radius: 3px; background: linear-gradient(180deg, var(--gold), var(--gold-dark)); }
.legal-body h2:first-of-type { margin-top: 4px; }
.legal-body p { color: var(--muted); margin-bottom: 14px; }
.legal-body ul { margin: 0 0 16px 4px; list-style: none; color: var(--muted); display: grid; gap: 9px; }
.legal-body ul li { position: relative; padding-left: 22px; }
.legal-body ul li::before { content: ""; position: absolute; left: 0; top: 9px; width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--gold), var(--gold-dark)); }
@media (max-width: 620px) { .legal-body { padding: 30px 24px; } }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { position: relative; overflow: hidden; background: linear-gradient(180deg, #3a2c18 0%, var(--navy) 55%); color: #d9c8ad; padding: 70px 0 0; }
.footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--gold), var(--green), var(--gold)); }
.footer::after { content: ""; position: absolute; top: -110px; right: -80px; width: 360px; height: 360px; border-radius: 50%; background: radial-gradient(circle, rgba(244,169,48,.10), transparent 70%); pointer-events: none; }
.footer .container { position: relative; z-index: 1; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.4fr; gap: 40px; padding-bottom: 44px; }
.footer .brand-text b { color: #fff; }
.footer .brand-text span { color: #c9b58f; }
.footer .brand-mark { background: rgba(255,255,255,.08); }
.footer-about p { margin: 18px 0; font-size: .92rem; line-height: 1.7; }
.footer-social { display: flex; gap: 10px; }
.footer-social a { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,.08); display: grid; place-items: center; color: #e7d9c2; font-weight: 700; transition: background .25s, transform .25s; }
.footer-social a:hover { background: var(--gold); color: var(--navy); transform: translateY(-3px); }
.footer-social a svg { width: 18px; height: 18px; }
.footer-col h4 { color: #fff; font-size: 1.02rem; margin-bottom: 20px; position: relative; padding-bottom: 12px; }
.footer-col h4::after { content: ""; position: absolute; left: 0; bottom: 0; width: 28px; height: 2px; border-radius: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-dark)); }
.footer-col ul li { margin-bottom: 11px; }
.footer-col ul a { font-size: .92rem; color: #d9c8ad; transition: color .2s, padding-left .2s; }
.footer-col ul a:hover { color: var(--gold); padding-left: 5px; }
.footer-contact li { display: flex; gap: 12px; margin-bottom: 14px; font-size: .92rem; align-items: flex-start; }
.footer-contact .fc-ico { color: var(--gold); flex: 0 0 auto; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 22px 0; display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; font-size: .86rem; }
.footer-bottom a { color: #d9c8ad; }
.footer-bottom a:hover { color: var(--gold); }
.footer-bottom .credit { font-size: .86rem; color: #c9b58f; }
.footer-bottom .credit a { color: var(--gold); font-weight: 600; }
.footer-bottom .credit a:hover { color: #ffd580; }
.footer-legal-links { display: flex; gap: 20px; }

/* ---------- Floating WhatsApp ---------- */
.whatsapp-float {
  position: fixed; bottom: 26px; left: 26px; z-index: 150;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; color: #fff; display: grid; place-items: center;
  font-size: 1.6rem; box-shadow: 0 8px 24px rgba(37,211,102,.5);
  animation: pulse 2.4s infinite;
}
.whatsapp-float:hover { transform: scale(1.08); }
@keyframes pulse { 0%,100% { box-shadow: 0 8px 24px rgba(37,211,102,.5); } 50% { box-shadow: 0 8px 24px rgba(37,211,102,.5), 0 0 0 14px rgba(37,211,102,0); } }

/* ---------- Floating Call button (gold, sits above WhatsApp) ---------- */
.call-float {
  position: fixed; bottom: 96px; left: 26px; z-index: 150;
  width: 58px; height: 58px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: #2b2118;
  display: grid; place-items: center;
  font-size: 1.5rem; box-shadow: 0 8px 24px rgba(224,168,46,.5);
  animation: pulseGold 2.4s infinite;
}
.call-float:hover { transform: scale(1.08); color: #2b2118; }
.call-float svg { width: 1em; height: 1em; }
@keyframes pulseGold { 0%,100% { box-shadow: 0 8px 24px rgba(224,168,46,.5); } 50% { box-shadow: 0 8px 24px rgba(224,168,46,.5), 0 0 0 14px rgba(224,168,46,0); } }

@media (max-width: 480px) {
  .whatsapp-float { width: 52px; height: 52px; bottom: 20px; left: 20px; font-size: 1.4rem; }
  .call-float { width: 52px; height: 52px; bottom: 82px; left: 20px; font-size: 1.35rem; }
}

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.visible { opacity: 1; transform: none; }

/* ---------- Back to top ---------- */
.to-top { position: fixed; bottom: 26px; right: 26px; z-index: 140; width: 46px; height: 46px; border-radius: 12px; background: var(--navy); color: #fff; display: grid; place-items: center; font-size: 1.2rem; opacity: 0; pointer-events: none; transition: opacity .3s, transform .3s; }
.to-top.show { opacity: 1; pointer-events: auto; }
.to-top:hover { background: var(--navy-2); transform: translateY(-3px); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .services-grid, .usp-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid, .value-grid, .testi-grid { grid-template-columns: repeat(2, 1fr); }
  .why-wrap { grid-template-columns: 1fr; gap: 40px; }
  .loan-layout { grid-template-columns: 1fr; }
  .loan-aside { position: static; grid-template-columns: 1fr 1fr; }
  .enquiry-wrap, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 860px) {
  .menu, .nav-cta .btn { display: none; }
  .hamburger { display: block; }
  .menu.mobile-open {
    display: flex; flex-direction: column; align-items: stretch;
    position: absolute; top: 74px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 10px; gap: 2px; box-shadow: var(--shadow-md);
    max-height: calc(100vh - 74px); overflow-y: auto;
    overscroll-behavior: contain;
  }
  .menu.mobile-open > li { width: 100%; }
  .menu.mobile-open > li > a {
    display: block; padding: 13px 16px; border-radius: 10px;
    font-size: 1rem; font-weight: 600;
  }
  .menu.mobile-open .has-drop > .drop-toggle { display: flex; align-items: center; justify-content: space-between; }
  .menu.mobile-open .drop-toggle::after { margin-left: auto; }
  .menu.mobile-open .has-drop.open > .drop-toggle::after { transform: rotate(225deg) translateY(1px); }
  /* accordion: submenu collapsed by default, expands on tap */
  .menu.mobile-open .dropdown {
    position: static; opacity: 1; visibility: visible; transform: none;
    box-shadow: none; border: none; border-left: 2px solid var(--line);
    margin: 2px 0 2px 16px; padding: 0;
    min-width: 0; max-height: 0; overflow: hidden;
    transition: max-height .32s var(--ease), padding .32s var(--ease);
  }
  .menu.mobile-open .has-drop.open > .dropdown { max-height: 460px; padding: 4px 0; }
  .menu.mobile-open .dropdown a { padding: 12px 14px; font-size: .95rem; }
  .menu.mobile-open .has-drop:hover .dropdown { transform: none; }
  .stats-bar .container { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: none; }
  .stat:nth-child(1), .stat:nth-child(2) { border-bottom: 1px solid var(--line); }
  .mini-cards { grid-template-columns: 1fr; }
  .loan-aside { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .section { padding: 40px 0; }
  .services-grid, .usp-grid, .blog-grid, .value-grid, .testi-grid, .mv-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .topbar-left span:nth-child(2) { display: none; }
  .footer { padding-top: 36px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 26px; }
  .footer-about { grid-column: 1 / -1; }
  .slide-actions { flex-direction: column; }
  .slide-actions .btn { justify-content: center; }
  .hero-arrows { bottom: 20px; right: 20px; }
  .hero-dots { bottom: 22px; left: 20px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  /* compact header / nav on mobile */
  .nav { height: 60px; gap: 10px; }
  .brand-logo { height: 44px; border-radius: 11px; }
  .hamburger { width: 40px; height: 40px; }
  .menu.mobile-open { top: 60px; max-height: calc(100vh - 60px); }
  /* compact page-hero banner on mobile */
  .page-hero { padding: 30px 0; }
  .page-hero h1 { font-size: 1.75rem; }
  .page-hero p { font-size: .95rem; margin-top: 8px; }
  .breadcrumb { margin-bottom: 10px; font-size: .8rem; }
  /* compact vision / mission cards on mobile */
  .mv-grid { gap: 16px; }
  .mv-card { padding: 22px 20px; border-radius: 14px; column-gap: 16px; row-gap: 6px; }
  .mv-card .mv-ico { width: 48px; height: 48px; border-radius: 13px; }
  .mv-card .mv-ico svg { width: 22px; height: 22px; }
  .mv-card h3 { font-size: 1.12rem; }
  .mv-card p { font-size: .9rem; line-height: 1.55; }
}
@media (max-width: 400px) {
  .footer { padding-top: 28px; }
  .nav { height: 54px; }
  .brand-logo { height: 40px; }
  .menu.mobile-open { top: 54px; max-height: calc(100vh - 54px); }
  .page-hero { padding: 24px 0; }
  .page-hero h1 { font-size: 1.55rem; }
  .page-hero p { font-size: .9rem; }
  .mv-card { padding: 18px 16px; column-gap: 13px; }
  .mv-card .mv-ico { width: 42px; height: 42px; }
  .mv-card .mv-ico svg { width: 20px; height: 20px; }
  .mv-card h3 { font-size: 1.05rem; }
}