/* ================================================================
   SRIKARA FINANCIAL SERVICES — styles.css
   Design System: Dark Green + Premium Gold
   ================================================================ */

/* ── GOOGLE FONTS ─────────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Outfit:wght@300;400;500;600;700&display=swap');

/* ── RESET ────────────────────────────────────────────────────── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; font-size: 16px; }
body { background: var(--bg); color: var(--white); font-family: 'Outfit', sans-serif;
       font-size: 15.5px; line-height: 1.72; overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
button { font-family: 'Outfit', sans-serif; cursor: pointer; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ── CSS VARIABLES ────────────────────────────────────────────── */
:root {
  /* Backgrounds */
  --bg:      #040E0C;
  --bg2:     #071815;
  --bg3:     #0C2420;
  --bg4:     #112C28;

  /* Brand Gold */
  --gold:    #F59E0B;
  --gold-l:  #FCD34D;
  --gold-d:  #B45309;
  --gold-bg: rgba(245,158,11,0.08);

  /* Accent: Emerald */
  --em:      #10B981;
  --em-l:    #6EE7B7;
  --em-bg:   rgba(16,185,129,0.08);

  /* Accent: Sky */
  --sky:     #38BDF8;
  --sky-l:   #BAE6FD;
  --sky-bg:  rgba(56,189,248,0.08);

  /* Accent: Coral */
  --coral:   #F97316;
  --coral-l: #FED7AA;

  /* Accent: Violet */
  --violet:  #8B5CF6;
  --violet-l:#DDD6FE;

  /* Typography */
  --white:   #F0F9F6;
  --text:    #C8E6DF;
  --muted:   #6B9E94;
  --dim:     #2E5048;

  /* Borders */
  --bdr:     rgba(16,185,129,0.10);
  --bdr2:    rgba(16,185,129,0.22);
  --bdr3:    rgba(16,185,129,0.38);
  --bdr-g:   rgba(245,158,11,0.20);

  /* Nav height */
  --nav-h:   72px;
}

/* ── SCROLLBAR ────────────────────────────────────────────────── */
::-webkit-scrollbar { width: 4px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--gold-d); border-radius: 2px; }
::selection { background: rgba(245,158,11,0.25); color: var(--gold-l); }

/* ── TYPOGRAPHY ───────────────────────────────────────────────── */
h1, h2, h3, h4 { font-family: 'Playfair Display', serif; line-height: 1.15; }

.display-xl  { font-size: clamp(38px, 5.5vw, 76px); font-weight: 700; letter-spacing: -1px; }
.display-l   { font-size: clamp(30px, 4vw,  54px);  font-weight: 600; }
.display-m   { font-size: clamp(24px, 3vw,  40px);  font-weight: 600; }
.lead        { font-size: clamp(15px, 1.8vw, 18px); color: var(--text); font-weight: 300; line-height: 1.78; }

.overline    { display: block; font-size: 10px; letter-spacing: 6px; text-transform: uppercase;
               color: var(--gold); opacity: .7; margin-bottom: 12px; }

.em-gold     { color: var(--gold); }
.em-em       { color: var(--em); }
.em-sky      { color: var(--sky); }
.em-coral    { color: var(--coral); }
.em-violet   { color: var(--violet); }

/* ── LAYOUT ───────────────────────────────────────────────────── */
.container   { max-width: 1160px; margin: 0 auto; padding: 0 40px; }
.section     { padding: 88px 0; }
.section-alt { padding: 88px 0; background: var(--bg2); }
.divider     { height: 1px; background: linear-gradient(90deg, transparent, var(--bdr), transparent); }
.grid-2      { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.grid-3      { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; background: var(--bdr); }
.flex-gap    { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.text-center { text-align: center; }

/* ── NAVIGATION ───────────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 900;
  height: var(--nav-h);
  background: rgba(4,14,12,0.90);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid transparent;
  transition: all .3s;
  display: flex; align-items: center;
}
.nav.scrolled {
  background: rgba(4,14,12,0.98);
  border-bottom-color: var(--bdr);
}
.nav-inner {
  max-width: 1160px; margin: 0 auto; padding: 0 40px;
  display: flex; align-items: center; justify-content: space-between; width: 100%;
}

/* Logo */
.nav-logo { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.nav-logo-icon { width: 42px; height: 42px; flex-shrink: 0; }
.nav-logo-text { display: flex; flex-direction: column; }
.nav-logo-name { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700;
                 color: var(--gold); letter-spacing: .5px; line-height: 1; white-space: nowrap; }
.nav-logo-tag  { font-size: 8px; letter-spacing: 3px; color: var(--muted);
                 text-transform: uppercase; margin-top: 3px; }

/* Nav links */
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-link  { padding: 8px 14px; font-size: 12.5px; letter-spacing: .5px; color: var(--muted);
             transition: color .2s; white-space: nowrap; }
.nav-link:hover, .nav-link.active { color: var(--white); }

/* Dropdown */
.nav-item { position: relative; }
.nav-dropdown {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 210px;
  background: var(--bg3); border: 1px solid var(--bdr2); padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: all .2s; z-index: 1000; box-shadow: 0 20px 60px rgba(0,0,0,.6);
}
.nav-item:hover .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dd-link { display: flex; align-items: center; gap: 10px; padding: 9px 12px;
           font-size: 13px; color: var(--text); transition: all .18s; }
.dd-link:hover { background: var(--em-bg); color: var(--white); }
.dd-link-icon { font-size: 14px; width: 20px; text-align: center; flex-shrink: 0; }
.dd-sep { height: 1px; background: var(--bdr); margin: 5px 0; }

/* Nav CTA */
.nav-cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.btn-nav {
  background: linear-gradient(135deg, var(--gold), var(--gold-d));
  color: #fff; padding: 9px 22px; font-size: 12px; font-weight: 600;
  letter-spacing: 1px; text-transform: uppercase; border: none;
  border-radius: 3px; transition: all .25s; white-space: nowrap;
}
.btn-nav:hover { transform: translateY(-1px); box-shadow: 0 8px 24px rgba(245,158,11,.35); }

/* Hamburger */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; padding: 6px;
}
.hamburger span { display: block; width: 22px; height: 2px; background: var(--muted); transition: all .3s; }
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile Nav */
.mobile-nav {
  position: fixed; top: var(--nav-h); left: 0; right: 0; bottom: 0;
  background: rgba(4,14,12,.98); backdrop-filter: blur(20px);
  z-index: 800; overflow-y: auto;
  transform: translateX(-100%); transition: transform .35s cubic-bezier(.4,0,.2,1);
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav-inner { padding: 24px 28px 80px; }
.mn-section { margin-bottom: 24px; }
.mn-title { font-size: 9px; letter-spacing: 4px; text-transform: uppercase;
            color: var(--gold); opacity: .6; margin-bottom: 10px;
            padding-bottom: 8px; border-bottom: 1px solid var(--bdr); }
.mn-link {
  display: flex; align-items: center; gap: 12px;
  padding: 11px 0; font-size: 15px; color: var(--text);
  border-bottom: 1px solid rgba(255,255,255,.04); transition: color .2s;
}
.mn-link:hover { color: var(--gold); }
.mn-link-icon { font-size: 16px; width: 24px; text-align: center; }

/* ── BUTTONS ──────────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, var(--gold), var(--gold-d));
  color: #fff; padding: 14px 38px; font-size: 12.5px; font-weight: 600;
  letter-spacing: 1.5px; text-transform: uppercase; border: none;
  border-radius: 3px; transition: all .28s; cursor: pointer;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(245,158,11,.38); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1.5px solid var(--bdr2); color: var(--em);
  background: transparent; padding: 13px 34px; font-size: 12.5px;
  letter-spacing: 1.5px; text-transform: uppercase;
  border-radius: 3px; transition: all .25s; cursor: pointer;
}
.btn-outline:hover { background: var(--em-bg); border-color: var(--em); }

.btn-ghost {
  display: inline-flex; align-items: center; gap: 6px;
  border: 1px solid var(--bdr); color: var(--muted);
  background: transparent; padding: 9px 20px; font-size: 11.5px;
  letter-spacing: 1px; text-transform: uppercase;
  border-radius: 2px; transition: all .2s; cursor: pointer;
}
.btn-ghost:hover { color: var(--white); border-color: var(--bdr2); }

/* ── HERO ─────────────────────────────────────────────────────── */
.hero {
  min-height: 100vh; display: flex; align-items: center;
  position: relative; overflow: hidden; padding-top: var(--nav-h);
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 15% 40%, rgba(16,185,129,.06), transparent 55%),
              radial-gradient(ellipse 50% 50% at 85% 60%, rgba(245,158,11,.05), transparent 55%),
              var(--bg);
}
.hero-dots {
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(16,185,129,.14) 1px, transparent 1px);
  background-size: 40px 40px; opacity: .4;
}
.hero-fade {
  position: absolute; bottom: 0; left: 0; right: 0; height: 180px;
  background: linear-gradient(transparent, var(--bg));
}
.hero-inner { position: relative; z-index: 2; width: 100%; }
.hero-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center;
              padding: 48px 0 60px; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold-bg); border: 1px solid rgba(245,158,11,.2);
  padding: 6px 16px; margin-bottom: 26px; font-size: 11.5px;
  letter-spacing: 1px; color: var(--gold-l); border-radius: 2px;
}
.hero-dot {
  width: 6px; height: 6px; background: var(--em); border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse { 0%,100% { opacity:1 } 50% { opacity:.2 } }

.hero-title   { margin-bottom: 18px; }
.hero-lead    { max-width: 500px; margin-bottom: 32px; }
.hero-actions { margin-bottom: 36px; }
.hero-quote   {
  padding: 18px 22px; border-left: 3px solid var(--gold);
  background: rgba(245,158,11,.04);
}
.hero-quote-text { font-family: 'Playfair Display', serif; font-size: 16px;
                   font-style: italic; color: var(--text); line-height: 1.65; }
.hero-quote-attr { font-size: 10.5px; letter-spacing: 2px; text-transform: uppercase;
                   color: var(--muted); margin-top: 8px; display: block; }

/* ── PAGE HERO (inner pages) ──────────────────────────────────── */
.page-hero   { padding: 130px 0 72px; position: relative; overflow: hidden; }
.page-hero-bg { position: absolute; inset: 0; }
.page-hero .container { position: relative; z-index: 2; }
.breadcrumb  { display: flex; align-items: center; gap: 8px; font-size: 12px;
               color: var(--muted); margin-bottom: 20px; }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb-sep { color: var(--dim); }
.page-title  { font-size: clamp(34px, 5vw, 62px); font-weight: 700;
               line-height: 1.08; margin-bottom: 16px; }
.page-subtitle { font-size: clamp(15px, 2vw, 18px); color: var(--text);
                 line-height: 1.72; max-width: 560px; margin-bottom: 32px; }

/* ── STATS STRIP ──────────────────────────────────────────────── */
.stats-strip { background: var(--bg2); border-top: 1px solid var(--bdr); border-bottom: 1px solid var(--bdr); }
.stats-grid  { display: grid; grid-template-columns: repeat(5, 1fr); }
.stat-item   { padding: 26px 20px; text-align: center; border-right: 1px solid var(--bdr); }
.stat-item:last-child { border-right: none; }
.stat-num    { font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 700;
               line-height: 1; margin-bottom: 6px; }
.stat-lbl    { font-size: 10px; letter-spacing: 2.5px; text-transform: uppercase; color: var(--muted); }

/* ── CARDS ────────────────────────────────────────────────────── */
.card { background: var(--bg2); padding: 32px 26px; position: relative;
        overflow: hidden; transition: background .22s; }
.card:hover { background: var(--bg3); }
.card-accent { position: absolute; top: 0; left: 0; right: 0; height: 3px; opacity: 0; transition: opacity .25s; }
.card:hover .card-accent { opacity: 1; }
.card-icon   { font-size: 26px; margin-bottom: 14px; }
.card-title  { font-family: 'Playfair Display', serif; font-size: 19px;
               font-weight: 600; margin-bottom: 10px; }
.card-desc   { font-size: 13.5px; color: var(--muted); line-height: 1.72; margin-bottom: 16px; }
.card-link   { font-size: 11.5px; letter-spacing: 1.5px; text-transform: uppercase;
               color: var(--em); display: inline-flex; align-items: center; gap: 6px; transition: gap .2s; }
.card-link:hover { gap: 10px; }

/* ── EXPANDABLE CARD (Loan / Insurance) ───────────────────────── */
.exp-card    { background: var(--bg2); transition: background .2s; border-bottom: 1px solid var(--bdr); }
.exp-card:last-child { border-bottom: none; }
.exp-card.open { background: var(--bg3); }
.exp-head    { padding: 24px 26px; cursor: pointer; display: flex;
               justify-content: space-between; align-items: center;
               gap: 16px; user-select: none; }
.exp-head:hover { background: rgba(16,185,129,.04); }
.exp-head-left { display: flex; align-items: center; gap: 14px; flex: 1; min-width: 0; }
.exp-icon    { font-size: 22px; flex-shrink: 0; }
.exp-title   { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600; }
.exp-tag     { font-size: 12px; color: var(--muted); margin-top: 2px; }
.exp-chevron { width: 28px; height: 28px; border: 1px solid var(--bdr2);
               border-radius: 50%; display: flex; align-items: center; justify-content: center;
               color: var(--em); flex-shrink: 0; transition: all .25s; font-size: 14px; font-weight: 700; }
.exp-card.open .exp-chevron { transform: rotate(45deg); background: var(--em-bg); border-color: var(--em); }

.exp-body    { display: none; padding: 0 26px 26px; }
.exp-card.open .exp-body { display: block; }
.exp-divider { height: 1px; background: var(--bdr); margin-bottom: 22px; }

.exp-rate    { font-family: 'Playfair Display', serif; font-size: 30px;
               font-weight: 700; margin-bottom: 4px; }
.exp-rate-note { font-size: 11.5px; color: var(--muted); letter-spacing: 1px; margin-bottom: 18px; }
.exp-cols    { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 18px 0; }
.exp-col-head { font-size: 9.5px; letter-spacing: 3px; text-transform: uppercase;
                color: var(--muted); margin-bottom: 10px; }
.exp-list    { display: flex; flex-direction: column; gap: 7px; }
.exp-list li { font-size: 13px; color: var(--text); padding-left: 16px;
               position: relative; line-height: 1.6; }
.exp-list li::before { content: ''; position: absolute; left: 0; top: 8px;
                       width: 5px; height: 5px; border-radius: 50%; background: var(--em); }

/* ── FAQ ACCORDION ────────────────────────────────────────────── */
.faq-list    { display: flex; flex-direction: column; gap: 2px; }
.faq-item    { background: var(--bg2); border: 1px solid var(--bdr); }
.faq-item.open { background: var(--bg3); border-color: var(--bdr2); }
.faq-question {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  gap: 16px; padding: 18px 22px; background: none; border: none;
  color: var(--white); text-align: left; cursor: pointer; transition: background .15s;
}
.faq-question:hover { background: rgba(16,185,129,.04); }
.faq-q-text  { font-size: 14.5px; font-weight: 500; line-height: 1.5; flex: 1; }
.faq-arrow   { width: 24px; height: 24px; flex-shrink: 0; color: var(--em);
               display: flex; align-items: center; justify-content: center;
               font-size: 18px; transition: transform .25s; }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-answer  { display: none; padding: 0 22px 18px; font-size: 13.5px;
               color: var(--muted); line-height: 1.85; border-top: 1px solid var(--bdr); padding-top: 14px; }
.faq-item.open .faq-answer { display: block; }

/* ── SCHEME CARDS ─────────────────────────────────────────────── */
.scheme-grid  { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2px; background: var(--bdr); }
.scheme-card  { background: var(--bg2); padding: 26px 24px; transition: background .2s; }
.scheme-card:hover { background: var(--bg3); }
.scheme-badge {
  display: inline-block; font-size: 9px; letter-spacing: 3px; text-transform: uppercase;
  padding: 4px 10px; border-radius: 2px; margin-bottom: 12px;
}
.scheme-title { font-family: 'Playfair Display', serif; font-size: 18px;
                font-weight: 600; margin-bottom: 8px; }
.scheme-desc  { font-size: 13px; color: var(--muted); line-height: 1.72; margin-bottom: 14px; }
.scheme-link  { font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase;
                color: var(--sky); display: inline-flex; align-items: center;
                gap: 5px; transition: gap .18s; }
.scheme-link:hover { gap: 9px; }

/* ── PROCESS STEPS ────────────────────────────────────────────── */
.process-row  { display: grid; grid-template-columns: repeat(5, 1fr); position: relative; }
.process-row::before {
  content: ''; position: absolute; top: 26px; left: 12%; right: 12%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--bdr), var(--bdr), transparent);
}
.proc-step   { text-align: center; padding: 0 10px; }
.proc-num    {
  width: 52px; height: 52px; border: 1px solid var(--bdr2); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 14px;
  font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600;
  background: var(--bg);
}
.proc-title  { font-size: 13.5px; font-weight: 600; margin-bottom: 6px; }
.proc-desc   { font-size: 12px; color: var(--muted); line-height: 1.65; }

/* ── CONTACT CARDS ────────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2px; background: var(--bdr); }
.c-card  { background: var(--bg2); padding: 24px 18px; text-align: center; transition: background .2s; }
.c-card:hover { background: var(--bg3); }
.c-card-icon  { font-size: 22px; display: block; margin-bottom: 10px; }
.c-card-label { font-size: 9.5px; letter-spacing: 3px; text-transform: uppercase;
                color: var(--muted); margin-bottom: 7px; }
.c-card-value { font-size: 14px; color: var(--gold-l); }
.c-card-note  { font-size: 11.5px; color: var(--muted); margin-top: 5px; }

/* ── LEAD FORM ────────────────────────────────────────────────── */
.form-card {
  background: var(--bg3); border: 1px solid var(--bdr2);
  padding: 34px 30px; position: relative; overflow: hidden;
}
.form-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--em), var(--gold), var(--sky));
}
.form-title   { font-family: 'Playfair Display', serif; font-size: 21px;
                font-weight: 600; margin-bottom: 4px; }
.form-subtitle { font-size: 12.5px; color: var(--muted); margin-bottom: 22px; }
.form-row     { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.form-row.full { grid-template-columns: 1fr; }
.form-group   { display: flex; flex-direction: column; gap: 5px; }
.form-group label { font-size: 10px; letter-spacing: 2.5px; text-transform: uppercase; color: var(--muted); }
.form-input, .form-select {
  background: rgba(4,14,12,.7); border: 1px solid var(--bdr);
  color: var(--white); font-family: 'Outfit', sans-serif; font-size: 14px;
  padding: 11px 13px; outline: none; transition: border-color .2s;
  border-radius: 2px; width: 100%;
}
.form-input:focus, .form-select:focus { border-color: var(--bdr2); }
.form-input::placeholder { color: var(--dim); }
.form-select { appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236B9E94' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 13px center; cursor: pointer;
}
.form-select option { background: var(--bg3); }
.btn-submit {
  width: 100%; padding: 14px;
  background: linear-gradient(135deg, var(--gold), var(--gold-d));
  color: #fff; border: none; border-radius: 3px;
  font-size: 12.5px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; cursor: pointer; transition: all .25s;
  margin-top: 14px; position: relative; overflow: hidden;
}
.btn-submit:hover { box-shadow: 0 8px 28px rgba(245,158,11,.4); transform: translateY(-1px); }
.btn-submit.loading { color: transparent; pointer-events: none; }
.btn-submit.loading::after {
  content: ''; position: absolute; top: 50%; left: 50%;
  width: 18px; height: 18px; margin: -9px;
  border: 2px solid transparent; border-top-color: #fff;
  border-radius: 50%; animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.form-note    { font-size: 11px; color: var(--dim); text-align: center;
                margin-top: 10px; line-height: 1.6; }

/* Success */
.form-success { display: none; text-align: center; padding: 24px 16px; }
.form-success.show { display: block; }
.success-icon  { font-size: 40px; margin-bottom: 10px; }
.success-title { font-family: 'Playfair Display', serif; font-size: 21px;
                 margin-bottom: 8px; color: var(--em); }
.success-msg   { font-size: 13.5px; color: var(--muted); line-height: 1.7; }
.success-ref   { color: var(--gold); font-weight: 600; }

/* ── HIGHLIGHT BOX ────────────────────────────────────────────── */
.highlight-box {
  background: var(--bg3); border: 1px solid var(--bdr2);
  border-left: 3px solid var(--em); padding: 22px 24px;
}
.highlight-box.gold { border-left-color: var(--gold); }
.highlight-box.sky  { border-left-color: var(--sky); }

/* ── TRUST STRIP ──────────────────────────────────────────────── */
.trust-strip {
  background: var(--bg); border-top: 1px solid var(--bdr); border-bottom: 1px solid var(--bdr);
  padding: 14px 0;
}
.trust-inner {
  display: flex; align-items: center; justify-content: center;
  gap: 28px; flex-wrap: wrap;
}
.trust-item  { display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--muted); }
.trust-divider { width: 1px; height: 18px; background: var(--bdr); }

/* ── MARQUEE ──────────────────────────────────────────────────── */
.marquee-wrap {
  border-top: 1px solid var(--bdr); border-bottom: 1px solid var(--bdr);
  padding: 11px 0; overflow: hidden; background: var(--bg2);
}
.marquee-track { display: flex; white-space: nowrap; animation: marquee 55s linear infinite; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.mq-item { display: inline-flex; align-items: center; gap: 10px; padding: 0 34px;
           font-size: 10px; letter-spacing: 3px; color: var(--muted); text-transform: uppercase; }
.mq-dot  { color: rgba(16,185,129,.4); }

/* ── FOOTER ───────────────────────────────────────────────────── */
.footer { background: var(--bg2); border-top: 1px solid var(--bdr); }
.footer-grid {
  display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 44px; padding: 56px 0 40px;
}
.footer-brand-name { font-family: 'Playfair Display', serif; font-size: 19px;
                     font-weight: 700; color: var(--gold); letter-spacing: .5px; margin-bottom: 2px; }
.footer-brand-sub  { font-size: 8px; letter-spacing: 4px; text-transform: uppercase;
                     color: var(--dim); margin-bottom: 12px; }
.footer-brand-desc { font-size: 12.5px; color: var(--dim); line-height: 1.8; margin-bottom: 12px; }
.footer-tagline    { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--dim); }
.footer-col-title  { font-size: 9.5px; letter-spacing: 3px; text-transform: uppercase;
                     color: var(--muted); margin-bottom: 14px; }
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-link  { font-size: 13.5px; color: var(--dim); transition: color .2s; }
.footer-link:hover { color: var(--em-l); }
.footer-bottom {
  border-top: 1px solid var(--bdr); padding: 14px 0;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px;
}
.footer-copy { font-size: 11.5px; color: var(--dim); }
.footer-sub  {
  border-top: 1px solid var(--bdr); padding: 10px 0; text-align: center;
  font-size: 11px; color: var(--dim);
}

/* ── FLOATING BUTTONS ─────────────────────────────────────────── */
.floaters {
  position: fixed; bottom: 26px; right: 20px;
  z-index: 700; display: flex; flex-direction: column;
  gap: 10px; align-items: center;
}
.f-wa {
  width: 52px; height: 52px; background: #25D366; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,.4); animation: wapulse 3s infinite;
  transition: transform .2s;
}
.f-wa:hover { transform: scale(1.1); }
@keyframes wapulse {
  0%,100% { box-shadow: 0 4px 20px rgba(37,211,102,.4); }
  50%      { box-shadow: 0 4px 32px rgba(37,211,102,.7), 0 0 0 9px rgba(37,211,102,.08); }
}
.f-li {
  width: 40px; height: 40px; background: #0A66C2; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 14px rgba(10,102,194,.4); transition: transform .2s;
}
.f-li:hover { transform: scale(1.1); }
.f-wa svg, .f-li svg { width: 24px; height: 24px; fill: white; }

/* ── ABOUT PAGE ───────────────────────────────────────────────── */
.founder-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.founder-avatar {
  width: 110px; height: 110px; border-radius: 50%; overflow: hidden;
  border: 2px solid var(--gold); box-shadow: 0 0 0 5px rgba(245,158,11,.12), 0 8px 28px rgba(0,0,0,.4);
  margin-bottom: 20px;
}
.founder-avatar img  { width: 100%; height: 100%; object-fit: cover; }
.founder-avatar-init {
  width: 100%; height: 100%; background: linear-gradient(135deg, rgba(245,158,11,.15), rgba(245,158,11,.06));
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: var(--gold);
}
.founder-name  { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 600;
                 margin-bottom: 3px; }
.founder-role  { font-size: 10px; letter-spacing: 3px; text-transform: uppercase;
                 color: var(--muted); margin-bottom: 20px; }
.founder-quote { border-left: 3px solid var(--gold); padding: 14px 20px; margin: 20px 0;
                 background: rgba(245,158,11,.04); }
.founder-quote p { font-family: 'Playfair Display', serif; font-size: 15.5px;
                   font-style: italic; color: var(--text); line-height: 1.65; }
.founder-quote cite { font-size: 10.5px; letter-spacing: 2px; text-transform: uppercase;
                      color: var(--muted); margin-top: 8px; display: block; }

/* Philosophy items */
.phil-list    { display: flex; flex-direction: column; gap: 2px; }
.phil-item    { background: var(--bg2); padding: 20px 22px; border-left: 3px solid var(--bdr2);
                transition: border-color .2s; }
.phil-item:hover { border-left-color: var(--em); }
.phil-title   { font-size: 14.5px; font-weight: 600; color: var(--white); margin-bottom: 6px; }
.phil-desc    { font-size: 13px; color: var(--muted); line-height: 1.72; }

/* ── DISCLAIMER ───────────────────────────────────────────────── */
.disclaimer   { background: var(--bg3); border-top: 1px solid var(--bdr); padding: 26px 0; }
.disc-label   { font-size: 9px; letter-spacing: 4px; text-transform: uppercase;
                color: var(--muted); opacity: .6; margin-bottom: 10px; }
.disc-text    { font-size: 12px; color: var(--dim); line-height: 1.95; margin-bottom: 6px; }
.disc-text:last-child { margin-bottom: 0; }

/* ── NRI BOX ──────────────────────────────────────────────────── */
.nri-box {
  background: linear-gradient(135deg, rgba(56,189,248,.06), rgba(56,189,248,.02));
  border: 1px solid rgba(56,189,248,.18); padding: 26px;
}
.nri-box-title { font-family: 'Playfair Display', serif; font-size: 18px;
                 color: var(--sky-l); margin-bottom: 14px; }
.nri-item  { display: flex; gap: 10px; font-size: 12.5px; color: var(--text);
             padding: 6px 10px; margin-bottom: 4px;
             border-left: 2px solid rgba(56,189,248,.35); background: rgba(56,189,248,.03); }

/* ── UTILITY ──────────────────────────────────────────────────── */
.badge {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 4px 11px; font-size: 10.5px; letter-spacing: 1px; border-radius: 20px;
}
.badge-em   { background: var(--em-bg); color: var(--em-l); border: 1px solid rgba(16,185,129,.2); }
.badge-gold { background: var(--gold-bg); color: var(--gold-l); border: 1px solid rgba(245,158,11,.2); }
.badge-sky  { background: var(--sky-bg); color: var(--sky-l); border: 1px solid rgba(56,189,248,.2); }
.badge-coral { background: rgba(249,115,22,.08); color: var(--coral-l); border: 1px solid rgba(249,115,22,.2); }
.badge-violet { background: rgba(139,92,246,.08); color: var(--violet-l); border: 1px solid rgba(139,92,246,.2); }

/* ══ RESPONSIVE ═════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .container        { padding: 0 28px; }
  .nav-inner        { padding: 0 28px; }
  .grid-3           { grid-template-columns: 1fr 1fr; }
  .footer-grid      { grid-template-columns: 1fr 1fr; gap: 28px; }
  .stats-grid       { grid-template-columns: 1fr 1fr; }
  .stat-item        { border-right: none; border-bottom: 1px solid var(--bdr); }
  .stat-item:nth-child(odd) { border-right: 1px solid var(--bdr); }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta > .btn-nav { display: none; }
  .hamburger { display: flex; }
  .nav-inner { padding: 0 20px; }
  .container { padding: 0 20px; }
  .section, .section-alt { padding: 56px 0; }

  .hero-grid, .grid-2, .founder-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero { padding-top: var(--nav-h); }

  .grid-3, .scheme-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr 1fr; }
  .process-row { grid-template-columns: 1fr; gap: 18px; }
  .process-row::before { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 22px; }
  .form-row { grid-template-columns: 1fr; }
  .exp-cols { grid-template-columns: 1fr; }
  .floaters { bottom: 76px; right: 14px; }
  .f-wa { width: 46px; height: 46px; }
  .f-li { width: 36px; height: 36px; }
  .nav-cta { gap: 6px; }
  .hamburger { display: flex; }
}
@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .stat-item { border-right: none !important; }
  .contact-grid { grid-template-columns: 1fr; }
  .trust-divider { display: none; }
  input, select { font-size: 16px !important; }
  .floaters { bottom: 16px; right: 12px; }
}
@supports (bottom: env(safe-area-inset-bottom)) {
  .floaters { bottom: calc(76px + env(safe-area-inset-bottom, 0px)); }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}