/* ==========================================================================
   OSEE ADVISORS — Design System v3 "RKP-style"
   Palette:  Royal Blue #2A5AA0 (hero/primary) · Coral #D8493C (accent/topbar)
             Mustard #F0B429 (CTA) · Charcoal #2B2B2A (footer) · Mint #EEF3F1
   Type:     Poppins (display) / Inter (body) / IBM Plex Mono (data)
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@500;600;700;800&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@500;600&display=swap');

:root{
  --navy-900:#2A5AA0;
  --navy-800:#234C87;
  --navy-700:#1D3F70;
  --navy-600:#3568B0;
  --gold:#F0B429;
  --gold-light:#F7C858;
  --gold-dim:#B8830E;
  --coral:#D8493C;
  --coral-dark:#B93A2F;
  --coral-light:#E8776C;
  --charcoal:#2B2B2A;
  --charcoal-soft:#3A3A38;
  --cream:#EEF3F1;
  --cream-dim:#E3ECE9;
  --white:#FFFFFF;
  --ink:#1A1A1A;
  --slate:#6B7280;
  --slate-light:#9AA5A2;
  --border:#E1E7E5;
  --border-dark:#1D3F70;
  --green:#1E8A5A;
  --red:#C3423B;

  --peach:#FBE6D8;
  --peach-ink:#B85B26;
  --lavender:#EDE7FA;
  --lavender-ink:#5A4CA8;
  --pink:#FBE3EC;
  --pink-ink:#C2477A;
  --butter:#FFF6D9;
  --butter-ink:#A87F13;

  --font-display:'Poppins', sans-serif;
  --font-body:'Inter', sans-serif;
  --font-mono:'IBM Plex Mono', monospace;

  --radius-sm:8px;
  --radius-md:14px;
  --radius-lg:20px;
  --radius-pill:999px;
  --shadow-card:0 14px 32px -16px rgba(26,26,26,0.2);
  --shadow-lift:0 22px 48px -18px rgba(26,26,26,0.3);
  --container:1180px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--cream);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
body.nav-open{overflow:hidden;}
@media (max-width:1080px){
  .nav-main{padding-top:70px;}
  .nav-main a{opacity:0;transform:translateY(10px);transition:opacity .3s ease, transform .3s ease;}
  .nav-main.open a{opacity:1;transform:translateY(0);}
  .nav-main.open a:nth-child(1){transition-delay:.05s;}
  .nav-main.open a:nth-child(2){transition-delay:.1s;}
  .nav-main.open a:nth-child(3){transition-delay:.15s;}
  .nav-main.open a:nth-child(4){transition-delay:.2s;}
  .nav-main.open a:nth-child(5){transition-delay:.25s;}
  .nav-main.open a:nth-child(6){transition-delay:.3s;}
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}
button{font-family:inherit;cursor:pointer;border:none;background:none;}
input,select,textarea{font-family:inherit;font-size:1rem;}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px;}

.wrap{max-width:var(--container);margin:0 auto;padding:0 24px;}
.section{padding:88px 0;}
.section-tight{padding:56px 0;}
@media (max-width:768px){
  .section{padding:56px 0;}
  .section-tight{padding:40px 0;}
}

.eyebrow{
  font-family:var(--font-mono);
  font-size:0.72rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold-dim);
  font-weight:600;
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-bottom:14px;
}
.eyebrow::before{
  content:'';
  width:22px;height:1px;background:var(--gold-dim);
  display:inline-block;
}

h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--navy-900);
  font-weight:600;
  line-height:1.12;
  letter-spacing:-0.01em;
}
h1{font-size:clamp(2.4rem,4.6vw,3.8rem);font-weight:600;}
h2{font-size:clamp(1.9rem,3.2vw,2.6rem);}
h3{font-size:1.35rem;}
p{color:var(--slate);}
.lede{font-size:1.15rem;color:var(--slate);max-width:640px;}

.section-head{max-width:640px;margin-bottom:44px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 30px;border-radius:var(--radius-pill);
  font-weight:600;font-size:0.95rem;letter-spacing:0.01em;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
  white-space:nowrap;
}
.btn-primary{
  background:var(--gold);color:var(--white);
  box-shadow:0 10px 24px -10px rgba(240,180,41,0.5);
}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);}
.btn-outline{
  background:transparent;color:var(--white);
  border:1.5px solid rgba(255,255,255,0.45);
}
.btn-outline:hover{border-color:var(--gold-light);color:var(--gold-light);background:rgba(255,255,255,0.06);}
.btn-navy{background:var(--navy-900);color:var(--white);}
.btn-navy:hover{background:var(--navy-700);transform:translateY(-2px);}
.btn-block{width:100%;}
.btn-lg{padding:18px 36px;font-size:1.02rem;}

/* ===================== TOP UTILITY BAR ===================== */
.topbar{background:var(--coral);color:#fff;}
.topbar .wrap{
  display:flex;align-items:center;justify-content:space-between;
  padding:9px 24px;font-size:0.8rem;flex-wrap:wrap;gap:8px;
}
.topbar-left{display:flex;align-items:center;gap:22px;flex-wrap:wrap;}
.topbar-left a{display:flex;align-items:center;gap:6px;color:#fff;opacity:0.95;}
.topbar-left a:hover{opacity:1;text-decoration:underline;}
.topbar-right{display:flex;align-items:center;gap:16px;}
.topbar-branch{display:flex;align-items:center;gap:6px;font-weight:600;}
.topbar-social{display:flex;align-items:center;gap:12px;}
.topbar-social a{
  width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,0.16);
  display:flex;align-items:center;justify-content:center;
}
@media (max-width:768px){
  .topbar-left{gap:14px;}
  .topbar .wrap{font-size:0.72rem;justify-content:center;text-align:center;}
  .topbar-branch,.topbar-social{display:none;}
}

/* ===================== HEADER ===================== */
.site-header{
  position:sticky;top:0;z-index:200;
  background:var(--white);
  border-bottom:1px solid var(--border);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;gap:18px;
  padding:14px 28px;max-width:1360px;margin:0 auto;
}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0;}
.brand-mark{width:40px;height:40px;flex-shrink:0;object-fit:contain;border-radius:50%;}
.wa-icon-lg{width:30px;height:30px;object-fit:contain;}
.wa-icon-sm{width:18px;height:18px;object-fit:contain;}
.brand-word{font-family:var(--font-display);font-size:1.2rem;font-weight:700;color:var(--navy-900);line-height:1;white-space:nowrap;}
.brand-word span{display:block;font-family:var(--font-mono);font-size:0.56rem;letter-spacing:0.15em;color:var(--gold-dim);font-weight:600;margin-top:3px;}

.nav-main{display:flex;align-items:center;gap:22px;flex-wrap:nowrap;}
.nav-main a{
  font-size:0.87rem;font-weight:600;color:var(--navy-800);
  position:relative;padding:6px 0;white-space:nowrap;
}
.nav-main a::after{
  content:'';position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--gold);
  transition:width .2s ease;
}
.nav-main a:hover::after,.nav-main a.active::after{width:100%;}
.nav-main a.active{color:var(--navy-900);}

/* ===================== MEGA-MENU DROPDOWNS ===================== */
.nav-item{position:relative;display:flex;align-items:center;gap:4px;}
.nav-item > a{padding-right:0;}
.dropdown-toggle-btn{
  display:flex;align-items:center;justify-content:center;
  width:18px;height:18px;padding:0;border:none;background:none;cursor:pointer;
  color:var(--navy-800);transition:transform .2s ease;flex-shrink:0;
}
.nav-item.open .dropdown-toggle-btn,.nav-item:hover .dropdown-toggle-btn{transform:rotate(180deg);}
/* The outer .dropdown-menu box starts flush at 100% (no gap) and uses
   padding-top as an invisible "bridge" so the pointer never leaves a
   hoverable box while moving from the nav link down into the panel.
   Only .dropdown-menu-inner carries the visible card styling. */
.dropdown-menu{
  position:absolute;top:100%;left:50%;transform:translateX(-50%);
  padding-top:14px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .18s ease, visibility 0s linear .18s;
  z-index:300;
}
.nav-item.has-dropdown:hover .dropdown-menu,
.nav-item.has-dropdown:focus-within .dropdown-menu,
.nav-item.has-dropdown.open .dropdown-menu{
  opacity:1;visibility:visible;pointer-events:auto;
  transition:opacity .18s ease, visibility 0s linear 0s;
}
.dropdown-menu-inner{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);
  box-shadow:0 20px 44px rgba(15,30,60,0.14);
  padding:22px 26px;display:grid;grid-auto-flow:column;gap:34px;
  min-width:480px;
  transform:translateY(6px);
  transition:transform .18s ease;
}
.nav-item.has-dropdown:hover .dropdown-menu-inner,
.nav-item.has-dropdown:focus-within .dropdown-menu-inner,
.nav-item.has-dropdown.open .dropdown-menu-inner{
  transform:translateY(0);
}
.dropdown-col h6{
  font-family:var(--font-display);font-size:.7rem;letter-spacing:.07em;text-transform:uppercase;
  color:var(--gold-dim);margin-bottom:10px;white-space:nowrap;
}
.dropdown-col a{
  display:block;padding:6px 0;font-size:.88rem;font-weight:500;color:var(--navy-800);white-space:nowrap;
}
.dropdown-col a::after{display:none;}
.dropdown-col a:hover{color:var(--gold-dim);}

/* ===================== PRODUCT CATEGORY GRID (used on loans / insurance / investment pages) ===================== */
.product-category{margin-bottom:56px;}
.product-category:last-child{margin-bottom:0;}
.product-category-head{margin-bottom:24px;}
.product-category-head .eyebrow{margin-bottom:6px;}
.product-category-head h3{font-size:1.5rem;}
.product-mini-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px;}
.product-mini-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);
  padding:24px;display:flex;flex-direction:column;gap:12px;scroll-margin-top:120px;
  transition:box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.product-mini-card:hover{box-shadow:0 14px 32px rgba(15,30,60,0.1);transform:translateY(-3px);border-color:var(--gold-dim);}
.product-mini-card:target{border-color:var(--gold);box-shadow:0 0 0 3px rgba(240,180,41,0.25);}
.product-mini-card h4{font-family:var(--font-display);font-size:1.05rem;color:var(--navy-900);}
.product-mini-card p{font-size:0.9rem;color:var(--slate);flex-grow:1;margin:0;}
.product-mini-card a.btn-mini{
  align-self:flex-start;font-size:0.82rem;font-weight:700;color:var(--gold-dim);
  padding-top:4px;
}
.product-mini-card a.btn-mini:hover{color:var(--navy-900);}
@media (max-width:768px){
  .product-mini-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:520px){
  .product-mini-grid{grid-template-columns:1fr;}
}

.header-actions{display:flex;align-items:center;gap:10px;flex-shrink:0;}
.header-actions .btn{white-space:nowrap;}
.header-call-btn{padding:11px 16px !important;font-size:0.8rem !important;}
.header-cta-btn{padding:11px 20px !important;font-size:0.82rem !important;}
.nav-toggle{display:none;width:42px;height:42px;align-items:center;justify-content:center;border-radius:var(--radius-sm);flex-shrink:0;}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{
  content:'';display:block;width:22px;height:2px;background:var(--navy-900);position:relative;transition:.2s;
}
.nav-toggle span::before{position:absolute;top:-7px;width:22px;height:2px;background:var(--navy-900);}
.nav-toggle span::after{position:absolute;top:7px;width:22px;height:2px;background:var(--navy-900);}

/* Responsive header tiers: full nav -> drop phone CTA -> hamburger */
@media (max-width:1240px){
  .header-call-btn{display:none;}
}
@media (max-width:1080px){
  .nav-main{
    position:fixed;top:0;left:0;right:0;bottom:0;background:var(--white);
    flex-direction:column;justify-content:center;align-items:center;gap:26px;
    transform:translateX(100%);transition:transform .25s ease;z-index:250;
    overflow-y:auto;padding:90px 24px 40px;
  }
  .nav-main.open{transform:translateX(0);}
  .nav-main a{font-size:1.3rem;}
  .nav-toggle{display:flex;position:relative;z-index:260;}
  .nav-toggle.open span{background:transparent;}
  .nav-toggle.open span::before{transform:rotate(45deg) translate(5px,5px);}
  .nav-toggle.open span::after{transform:rotate(-45deg) translate(5px,-5px);}
  .header-cta-btn{display:none;}

  /* Mobile menu shows only primary pages — no sub-item dropdowns */
  .nav-item{gap:0;}
  .dropdown-toggle-btn,.dropdown-menu{display:none !important;}
}
@media (max-width:480px){
  .header-inner{padding:12px 16px;}
  .brand-word{font-size:1.02rem;}
}

/* ===================== TICKER STRIP ===================== */
.ticker-strip{
  background:var(--navy-900);
  overflow:hidden;
  position:relative;
  border-bottom:1px solid var(--border-dark);
}
.ticker-strip::before,.ticker-strip::after{
  content:'';position:absolute;top:0;bottom:0;width:60px;z-index:2;pointer-events:none;
}
.ticker-strip::before{left:0;background:linear-gradient(90deg,var(--navy-900),transparent);}
.ticker-strip::after{right:0;background:linear-gradient(270deg,var(--navy-900),transparent);}
.ticker-track{
  display:flex;align-items:center;gap:0;
  width:max-content;
  animation:ticker-scroll 32s linear infinite;
  padding:9px 0;
}
.ticker-strip:hover .ticker-track{animation-play-state:paused;}
@keyframes ticker-scroll{
  from{transform:translateX(0);}
  to{transform:translateX(-50%);}
}
.ticker-item{
  display:flex;align-items:center;gap:9px;
  font-family:var(--font-mono);font-size:0.8rem;color:var(--cream);
  padding:0 26px;border-right:1px solid rgba(255,255,255,0.12);
  white-space:nowrap;
}
.ticker-item .t-name{color:var(--slate-light);font-weight:500;}
.ticker-item .t-val{color:var(--white);font-weight:600;}
.ticker-item .t-chg{font-weight:600;display:inline-flex;align-items:center;gap:3px;}
.ticker-item .t-chg.up{color:#5FCF95;}
.ticker-item .t-chg.down{color:#F08683;}
.ticker-item.is-loading .t-val,.ticker-item.is-loading .t-chg{opacity:0.4;}
.ticker-live-dot{
  width:6px;height:6px;border-radius:50%;background:#5FCF95;
  box-shadow:0 0 0 0 rgba(95,207,149,0.6);
  animation:pulse-dot 1.8s infinite;
  flex-shrink:0;
}
@keyframes pulse-dot{
  0%{box-shadow:0 0 0 0 rgba(95,207,149,0.55);}
  70%{box-shadow:0 0 0 6px rgba(95,207,149,0);}
  100%{box-shadow:0 0 0 0 rgba(95,207,149,0);}
}

/* ===================== HERO ===================== */
.hero{
  background:
    radial-gradient(1100px 480px at 82% -10%, rgba(255,255,255,0.08), transparent 60%),
    linear-gradient(180deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color:var(--white);
  padding:64px 0 56px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:'';position:absolute;inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(ellipse 900px 500px at 70% 20%, black, transparent);
  pointer-events:none;
}
.hero-grid{
  display:grid;grid-template-columns:1.1fr 0.9fr;gap:60px;align-items:center;
  position:relative;z-index:1;
}
.hero-eyebrow{
  font-family:var(--font-mono);font-size:0.72rem;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--gold-light);display:flex;align-items:center;gap:10px;margin-bottom:20px;font-weight:600;
}
.hero-eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--gold);}
.hero h1{color:var(--white);margin-bottom:22px;}
.hero h1 em{font-style:normal;color:var(--gold-light);}
.hero p.lede{color:rgba(255,255,255,0.82);font-size:1.14rem;margin-bottom:34px;max-width:520px;}
.hero-cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:38px;}
.hero-trust-row{display:flex;gap:30px;flex-wrap:wrap;}
.hero-trust-item{display:flex;flex-direction:column;}
.hero-trust-item .num{font-family:var(--font-display);font-size:1.7rem;color:var(--white);font-weight:600;}
.hero-trust-item .lab{font-size:0.78rem;color:rgba(255,255,255,0.65);font-weight:500;}

/* RKP-style floating white cards near the hero's base */
.hero-float-row{
  display:grid;grid-template-columns:repeat(3,1fr);gap:20px;
  margin-top:48px;position:relative;z-index:2;
}
.hero-float-card{
  background:var(--white);border-radius:var(--radius-md);padding:22px 20px;
  display:flex;gap:14px;align-items:flex-start;box-shadow:var(--shadow-card);
}
.hero-float-card .ficon{
  width:44px;height:44px;border-radius:var(--radius-sm);background:var(--cream-dim);
  display:flex;align-items:center;justify-content:center;color:var(--coral);flex-shrink:0;
}
.hero-float-card h4{font-size:0.96rem;color:var(--ink);margin-bottom:4px;font-family:var(--font-display);font-weight:600;}
.hero-float-card p{font-size:0.8rem;color:var(--slate);margin:0;line-height:1.4;}

/* Hero market panel — signature element */
.market-panel{
  background:rgba(255,255,255,0.07);
  border:1px solid rgba(255,255,255,0.16);
  border-radius:var(--radius-lg);
  padding:26px;
  backdrop-filter:blur(6px);
  box-shadow:var(--shadow-lift);
}
.market-panel-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;}
.market-panel-head h4{color:var(--white);font-family:var(--font-mono);font-size:0.78rem;letter-spacing:0.1em;text-transform:uppercase;font-weight:600;}
.market-panel-head .live-tag{
  font-family:var(--font-mono);font-size:0.68rem;color:#5FCF95;display:flex;align-items:center;gap:6px;font-weight:600;letter-spacing:0.06em;
}
.index-row{
  display:flex;align-items:center;justify-content:space-between;
  padding:13px 0;border-bottom:1px solid rgba(255,255,255,0.14);
}
.index-row:last-of-type{border-bottom:none;}
.index-name{font-size:0.95rem;color:var(--white);font-weight:600;}
.index-name small{display:block;color:rgba(255,255,255,0.6);font-weight:400;font-size:0.72rem;margin-top:2px;}
.index-figures{text-align:right;}
.index-val{font-family:var(--font-mono);font-size:1.02rem;color:var(--white);font-weight:600;}
.index-chg{font-family:var(--font-mono);font-size:0.78rem;font-weight:600;}
.index-chg.up{color:#5FCF95;}
.index-chg.down{color:#F08683;}
.fx-row{display:flex;gap:10px;margin-top:16px;}
.fx-chip{
  flex:1;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.14);
  border-radius:var(--radius-sm);padding:10px;text-align:center;
}
.fx-chip .pair{font-family:var(--font-mono);font-size:0.68rem;color:rgba(255,255,255,0.6);letter-spacing:0.04em;}
.fx-chip .rate{font-family:var(--font-mono);font-size:0.9rem;color:var(--white);font-weight:600;margin-top:3px;}
.market-panel-foot{margin-top:16px;font-size:0.7rem;color:rgba(255,255,255,0.55);text-align:center;}

/* ===================== TRUST STRIP ===================== */
.trust-strip{background:var(--white);border-bottom:1px solid var(--border);}
.trust-strip .wrap{
  display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:24px;padding:26px 24px;
}
.trust-strip-item{display:flex;align-items:center;gap:10px;font-size:0.88rem;color:var(--navy-800);font-weight:600;}
.trust-strip-item svg{flex-shrink:0;color:var(--coral);}

/* ===================== CARDS / GRIDS ===================== */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;}

.card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);
  padding:32px 28px;transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-card);border-color:var(--navy-600);}
.card-icon{
  width:52px;height:52px;border-radius:var(--radius-pill);background:var(--peach);
  display:flex;align-items:center;justify-content:center;color:var(--peach-ink);margin-bottom:20px;
}
/* cycle pastel badge colors so cards read as a friendly, varied set (matches moodboard) */
.grid-3 .card:nth-child(4n+2) .card-icon,
.grid-4 .card:nth-child(4n+2) .card-icon{background:var(--lavender);color:var(--lavender-ink);}
.grid-3 .card:nth-child(4n+3) .card-icon,
.grid-4 .card:nth-child(4n+3) .card-icon{background:var(--pink);color:var(--pink-ink);}
.grid-3 .card:nth-child(4n+4) .card-icon,
.grid-4 .card:nth-child(4n+4) .card-icon{background:var(--butter);color:var(--butter-ink);}
.card h3{margin-bottom:10px;font-size:1.18rem;}
.card p{font-size:0.94rem;}

/* Why choose us */
.why-us{background:var(--navy-900);color:var(--white);}
.why-us .section-head h2{color:var(--white);}
.why-us .eyebrow{color:var(--gold-light);}
.why-us .eyebrow::before{background:var(--gold-light);}
.why-us .lede{color:rgba(247,244,236,0.7);}
.why-card{
  background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.1);
  border-radius:var(--radius-md);padding:30px 26px;
}
.why-card .num{font-family:var(--font-mono);font-size:0.78rem;color:var(--gold-light);letter-spacing:0.1em;margin-bottom:14px;display:block;}
.why-card h3{color:var(--white);}
.why-card p{color:rgba(247,244,236,0.65);font-size:0.93rem;margin-top:8px;}

/* Loan product cards */
.loan-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);
  overflow:hidden;display:flex;flex-direction:column;
}
.loan-card-top{padding:28px 26px 22px;border-bottom:1px dashed var(--border);}
.loan-card-top .tag{font-family:var(--font-mono);font-size:0.68rem;letter-spacing:0.08em;color:var(--gold-dim);text-transform:uppercase;font-weight:600;}
.loan-card-top h3{margin:10px 0 8px;}
.loan-card-body{padding:22px 26px;flex:1;display:flex;flex-direction:column;}
.loan-facts{display:flex;flex-direction:column;gap:9px;margin-bottom:20px;}
.loan-fact{display:flex;justify-content:space-between;font-size:0.86rem;}
.loan-fact .lab{color:var(--slate);}
.loan-fact .val{color:var(--navy-900);font-weight:600;font-family:var(--font-mono);}
.loan-card-body .btn{margin-top:auto;}

/* Process steps */
.process-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.process-step{position:relative;padding:0 20px;text-align:left;}
.process-step .step-num{
  font-family:var(--font-display);font-size:2.1rem;color:var(--gold);font-weight:600;line-height:1;margin-bottom:14px;display:block;
}
.process-step h4{font-size:1.02rem;color:var(--navy-900);margin-bottom:8px;}
.process-step p{font-size:0.88rem;}
.process-step:not(:last-child)::after{
  content:'';position:absolute;top:16px;left:calc(100% - 4px);width:calc(100% - 20px);
  border-top:1.5px dashed var(--border-dark);opacity:0.35;display:none;
}

/* Testimonials */
.testimonial-card{
  background:var(--cream-dim);border:1px solid var(--border);border-radius:var(--radius-md);
  padding:30px 28px;display:flex;flex-direction:column;gap:18px;
}
.stars{color:var(--gold);font-size:0.85rem;letter-spacing:2px;}
.testimonial-card p.quote{color:var(--ink);font-size:1rem;font-style:italic;}
.testimonial-person{display:flex;align-items:center;gap:12px;margin-top:auto;}
.avatar-badge{
  width:42px;height:42px;border-radius:50%;background:var(--navy-900);color:var(--gold-light);
  display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:700;font-size:1.05rem;
}
.testimonial-person .name{font-weight:700;font-size:0.9rem;color:var(--navy-900);}
.testimonial-person .role{font-size:0.78rem;color:var(--slate);}

/* Partner logos */
.partners-belt{
  background:var(--white);border-top:1px solid var(--border);border-bottom:1px solid var(--border);
  padding:40px 0;overflow:hidden;
}
.partner-track{display:flex;align-items:center;gap:0;width:max-content;animation:ticker-scroll 26s linear infinite;}
.partners-belt:hover .partner-track{animation-play-state:paused;}
.partner-badge{
  display:flex;align-items:center;justify-content:center;
  min-width:190px;height:64px;margin:0 14px;
  border:1px solid var(--border);border-radius:var(--radius-pill);
  font-family:var(--font-display);font-weight:600;font-size:1.02rem;color:var(--navy-800);
  background:var(--cream-dim);
}
.partner-badge.has-logo{
  background:var(--white);padding:0 26px;
}
.partner-badge.has-logo img{
  max-height:30px;width:auto;max-width:150px;object-fit:contain;
  filter:grayscale(0.1);
}
@media (max-width:768px){
  .partner-badge{min-width:150px;height:54px;margin:0 10px;font-size:0.9rem;}
  .partner-badge.has-logo img{max-height:24px;max-width:120px;}
}

/* Forms */
.form-panel{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:38px;box-shadow:var(--shadow-card);
}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px;}
.field{display:flex;flex-direction:column;gap:7px;}
.field.full{grid-column:1/-1;}
.field label{font-size:0.82rem;font-weight:600;color:var(--navy-800);}
.field input,.field select,.field textarea{
  padding:13px 14px;border:1.4px solid var(--border);border-radius:var(--radius-sm);
  background:var(--cream-dim);color:var(--ink);transition:border-color .15s ease, background .15s ease;
}
.field input:focus,.field select:focus,.field textarea:focus{
  border-color:var(--gold);background:var(--white);outline:none;
}
.field textarea{resize:vertical;min-height:90px;}
.field-note{font-size:0.74rem;color:var(--slate-light);}
.form-success{
  display:none;text-align:center;padding:50px 20px;
}
.form-success.show{display:block;}
.form-success .check{
  width:64px;height:64px;border-radius:50%;background:var(--navy-900);color:var(--gold-light);
  display:flex;align-items:center;justify-content:center;margin:0 auto 20px;
}

/* CTA banner */
.cta-banner{
  background:linear-gradient(120deg, var(--navy-900), var(--navy-700));
  border-radius:var(--radius-lg);padding:54px 50px;
  display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;
  color:var(--white);position:relative;overflow:hidden;
}
.cta-banner::before{
  content:'';position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;
  background:radial-gradient(circle, rgba(216,73,60,0.35), transparent 70%);
}
.cta-banner h2{color:var(--white);font-size:clamp(1.6rem,2.6vw,2.1rem);margin-bottom:8px;}
.cta-banner p{color:rgba(247,244,236,0.72);max-width:460px;}

/* Footer */
.site-footer{background:var(--charcoal);color:rgba(255,255,255,0.7);padding:70px 0 30px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,0.1);}
.footer-brand .brand-word{color:var(--white);}
.footer-brand p{color:rgba(247,244,236,0.6);font-size:0.9rem;margin-top:16px;max-width:280px;}
.footer-col h5{font-family:var(--font-mono);font-size:0.72rem;letter-spacing:0.1em;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px;font-weight:600;}
.footer-col ul{display:flex;flex-direction:column;gap:11px;}
.footer-col a{font-size:0.9rem;color:rgba(247,244,236,0.7);transition:color .15s;}
.footer-col a:hover{color:var(--gold-light);}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:26px;flex-wrap:wrap;gap:14px;}
.footer-bottom p{font-size:0.8rem;color:rgba(247,244,236,0.5);}
.footer-social{display:flex;gap:12px;}
.footer-social a{
  width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,0.16);
  display:flex;align-items:center;justify-content:center;color:rgba(247,244,236,0.8);
}
.footer-social a:hover{border-color:var(--gold);color:var(--gold-light);}

/* WhatsApp float */
.wa-float{
  position:fixed;right:24px;bottom:24px;z-index:300;
  width:60px;height:60px;border-radius:50%;background:#25D366;
  display:flex;align-items:center;justify-content:center;box-shadow:0 12px 26px -8px rgba(37,211,102,0.6);
  animation:wa-bob 2.6s ease-in-out infinite;
}
.wa-float:hover{transform:scale(1.06);}
@keyframes wa-bob{0%,100%{transform:translateY(0);}50%{transform:translateY(-6px);}}
.wa-bar{
  display:none;position:fixed;left:0;right:0;bottom:0;z-index:299;
  background:#1F9E52;color:#fff;padding:12px 18px;align-items:center;justify-content:center;gap:10px;
  font-size:0.88rem;font-weight:600;
}

/* Page hero (interior pages) */
.page-hero{
  background:linear-gradient(180deg, var(--navy-900), var(--navy-800));
  color:var(--white);padding:56px 0 0;position:relative;overflow:hidden;
}
.page-hero-grid{display:grid;grid-template-columns:1.15fr 0.85fr;gap:40px;align-items:center;position:relative;z-index:1;padding-bottom:56px;}
.page-hero-text{}
.page-hero .breadcrumb{font-family:var(--font-mono);font-size:0.76rem;color:rgba(255,255,255,0.6);margin-bottom:16px;}
.page-hero .breadcrumb a{color:var(--gold-light);}
.page-hero h1{color:var(--white);max-width:640px;}
.page-hero p.lede{color:rgba(255,255,255,0.8);margin-top:14px;}
.page-hero-illus{width:100%;max-width:420px;justify-self:center;filter:drop-shadow(0 20px 40px rgba(0,0,0,0.25));}
@media (max-width:1024px){
  .page-hero-grid{grid-template-columns:1fr;}
  .page-hero-illus{max-width:300px;margin-top:8px;}
}
@media (max-width:768px){
  .page-hero-illus{max-width:240px;}
}

/* Booking layout */
.booking-grid{display:grid;grid-template-columns:0.85fr 1.15fr;gap:44px;align-items:start;}
.booking-side{position:sticky;top:100px;}
.booking-info-card{background:var(--navy-900);color:var(--white);border-radius:var(--radius-lg);padding:34px;margin-bottom:20px;}
.booking-info-card h3{color:var(--white);margin-bottom:14px;}
.booking-info-row{display:flex;gap:14px;padding:14px 0;border-top:1px solid rgba(255,255,255,0.1);}
.booking-info-row:first-of-type{border-top:none;}
.booking-info-row svg{color:var(--gold-light);flex-shrink:0;margin-top:2px;}
.booking-info-row .t{font-weight:600;font-size:0.92rem;}
.booking-info-row .d{font-size:0.82rem;color:var(--slate-light);margin-top:2px;}
.slot-picker{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;}
.slot-btn{
  padding:11px 8px;text-align:center;border:1.4px solid var(--border);border-radius:var(--radius-pill);
  font-size:0.82rem;font-weight:600;color:var(--navy-800);background:var(--cream-dim);
}
.slot-btn.selected{background:var(--navy-900);color:var(--white);border-color:var(--navy-900);}
.slot-btn.disabled{opacity:0.35;pointer-events:none;text-decoration:line-through;}

/* EMI calculator */
.emi-calc{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:34px;}
.emi-range{display:flex;flex-direction:column;gap:8px;margin-bottom:22px;}
.emi-range-head{display:flex;justify-content:space-between;font-size:0.86rem;color:var(--navy-800);font-weight:600;}
.emi-range-head span.val{font-family:var(--font-mono);color:var(--gold-dim);}
input[type="range"]{
  -webkit-appearance:none;width:100%;height:5px;border-radius:4px;background:var(--border);outline:none;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--navy-900);
  border:3px solid var(--gold-light);cursor:pointer;
}
.emi-result{background:var(--navy-900);color:var(--white);border-radius:var(--radius-md);padding:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;margin-top:6px;}
.emi-result .stat .num{font-family:var(--font-display);font-size:1.5rem;color:var(--gold-light);font-weight:600;}
.emi-result .stat .lab{font-size:0.72rem;color:var(--slate-light);text-transform:uppercase;letter-spacing:0.06em;}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;padding:22px 0;cursor:pointer;
  font-weight:600;color:var(--navy-900);font-size:1rem;
}
.faq-q .plus{font-family:var(--font-mono);font-size:1.2rem;color:var(--gold-dim);transition:transform .2s;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.faq-item.open .faq-a{max-height:220px;}
.faq-a p{padding-bottom:20px;font-size:0.92rem;}

/* Utility */
.mt-0{margin-top:0;}
.text-center{text-align:center;}
.badge-pill{
  display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:99px;
  background:var(--cream-dim);border:1px solid var(--border);font-size:0.78rem;font-weight:600;color:var(--navy-800);
}

/* ===================== RESPONSIVE ===================== */
@media (max-width:1024px){
  .hero-grid{grid-template-columns:1fr;gap:44px;}
  .hero-float-row{grid-template-columns:1fr;}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .grid-2{grid-template-columns:1fr;}
  .booking-grid{grid-template-columns:1fr;}
  .booking-side{position:static;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .process-row{grid-template-columns:repeat(2,1fr);row-gap:36px;}
}
@media (max-width:768px){
  .grid-3,.grid-4{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;gap:34px;}
  .cta-banner{padding:38px 26px;flex-direction:column;text-align:center;align-items:center;}
  .process-row{grid-template-columns:1fr;}
  .trust-strip .wrap{justify-content:center;text-align:center;}
  .hero{padding:48px 0 60px;}
  .wa-float{right:16px;bottom:76px;width:54px;height:54px;}
  body{padding-bottom:0;}
}
@media (max-width:480px){
  .slot-picker{grid-template-columns:repeat(2,1fr);}
  .market-panel{padding:20px;}
  .form-panel{padding:24px;}
}