/* =========================================================
   Paisa Loan Bazaar — main stylesheet
   ========================================================= */
:root {
  --brand: #0b4f8a;
  --brand-dark: #08355e;
  --brand-ink: #0a2540;
  --accent: #f5a524;
  --accent-dark: #d98a0b;
  --green: #12a150;
  --bg: #ffffff;
  --bg-soft: #f4f8fc;
  --bg-tint: #eaf2fb;
  --text: #1c2b3a;
  --muted: #5b6b7c;
  --line: #dde6f0;
  --danger: #d93838;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(10, 37, 64, .08);
  --shadow-lg: 0 24px 60px rgba(10, 37, 64, .18);
  --container: 1180px;
  --header-h: 72px;
  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-dark); }
h1, h2, h3, h4 { color: var(--brand-ink); line-height: 1.2; margin: 0 0 .5em; font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.35rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
ul { margin: 0; padding: 0; }
button { font: inherit; cursor: pointer; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 16px; }
@media (min-width: 768px) { .container { padding: 0 24px; } }

.section { padding: 72px 0; }
.section-soft { background: var(--bg-soft); }
@media (max-width: 767px) { .section { padding: 52px 0; } }

.section-head { max-width: 720px; margin: 0 auto 40px; text-align: center; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--brand); background: var(--bg-tint);
  padding: 6px 12px; border-radius: 999px; margin-bottom: 14px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 22px; border-radius: 999px; border: 2px solid transparent;
  font-weight: 700; font-size: .98rem; line-height: 1.2; text-align: center;
  transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  cursor: pointer; white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; flex: none; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--accent); color: #1d1300; box-shadow: 0 8px 20px rgba(245, 165, 36, .35); }
.btn-primary:hover { background: var(--accent-dark); color: #1d1300; }
.btn-brand { background: var(--brand); color: #fff; }
.btn-brand:hover { background: var(--brand-dark); color: #fff; }
.btn-outline { border-color: var(--brand); color: var(--brand); background: transparent; }
.btn-outline:hover { background: var(--brand); color: #fff; }
.btn-ghost-light { border-color: rgba(255,255,255,.55); color: #fff; background: rgba(255,255,255,.06); }
.btn-ghost-light:hover { background: #fff; color: var(--brand-ink); }
.btn-block { width: 100%; }
.btn-sm { padding: 9px 16px; font-size: .9rem; }
.btn-lg { padding: 16px 28px; font-size: 1.05rem; }
@media (max-width: 480px) { .btn { white-space: normal; } }

/* ---------- Top bar ---------- */
.topbar { background: var(--brand-ink); color: #c9d6e4; font-size: .85rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.topbar a { color: #fff; }
.topbar-items { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar-items span { display: inline-flex; align-items: center; gap: 6px; }
.topbar svg { width: 14px; height: 14px; }
@media (max-width: 767px) { .topbar { display: none; } }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96);
  backdrop-filter: saturate(160%) blur(10px); border-bottom: 1px solid var(--line);
  transition: box-shadow .2s ease;
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(10,37,64,.08); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: var(--header-h); gap: 16px; }
.logo { display: inline-flex; align-items: center; gap: 10px; color: var(--brand-ink); font-weight: 800; font-size: 1.15rem; line-height: 1.05; }
.logo:hover { color: var(--brand-ink); }
.logo-mark {
  width: 42px; height: 42px; border-radius: 12px; flex: none;
  background: linear-gradient(135deg, var(--brand) 0%, #1673c4 100%);
  display: grid; place-items: center; color: #fff; font-size: 1.35rem; font-weight: 800;
  box-shadow: 0 6px 14px rgba(11,79,138,.3); position: relative;
}
.logo-mark::after { content: ""; position: absolute; right: -3px; top: -3px; width: 12px; height: 12px; border-radius: 50%; background: var(--accent); border: 2px solid #fff; }
.logo small { display: block; font-size: .68rem; font-weight: 600; color: var(--muted); letter-spacing: .08em; text-transform: uppercase; margin-top: 3px; }
.logo-light { color: #fff; }
.logo-light:hover { color: #fff; }
.logo-light small { color: #9fb3c8; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > a, .nav-drop > button {
  padding: 10px 14px; border-radius: 10px; color: var(--text); font-weight: 600; font-size: .95rem;
  background: none; border: 0; display: inline-flex; align-items: center; gap: 4px;
}
.main-nav > a:hover, .nav-drop > button:hover, .main-nav > a.active, .nav-drop.active > button { color: var(--brand); background: var(--bg-tint); }
.nav-drop { position: relative; }
.nav-drop svg { width: 14px; height: 14px; transition: transform .2s; }
.nav-drop-menu {
  position: absolute; top: calc(100% + 8px); left: 50%; transform: translate(-50%, 6px);
  min-width: 290px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 8px; opacity: 0; visibility: hidden; transition: .18s ease;
}
.nav-drop:hover .nav-drop-menu, .nav-drop:focus-within .nav-drop-menu, .nav-drop.open .nav-drop-menu { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.nav-drop:hover > button svg, .nav-drop.open > button svg { transform: rotate(180deg); }
.nav-drop-menu a { display: flex; gap: 12px; align-items: flex-start; padding: 10px 12px; border-radius: 10px; color: var(--text); }
.nav-drop-menu a:hover { background: var(--bg-soft); }
.nav-drop-menu .ico { width: 36px; height: 36px; border-radius: 10px; background: var(--bg-tint); color: var(--brand); display: grid; place-items: center; flex: none; }
.nav-drop-menu .ico svg { width: 18px; height: 18px; transform: none; }
.nav-drop-menu strong { display: block; font-size: .95rem; color: var(--brand-ink); }
.nav-drop-menu span { font-size: .8rem; color: var(--muted); }

.header-cta { display: flex; align-items: center; gap: 10px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--brand-ink); font-size: .95rem; }
.header-phone .ring { width: 36px; height: 36px; border-radius: 50%; background: var(--bg-tint); display: grid; place-items: center; color: var(--brand); }
.header-phone svg { width: 16px; height: 16px; }
.nav-toggle { display: none; width: 44px; height: 44px; border-radius: 12px; border: 1px solid var(--line); background: #fff; align-items: center; justify-content: center; color: var(--brand-ink); }
.nav-toggle svg { width: 22px; height: 22px; }

@media (max-width: 1080px) { .header-phone .num { display: none; } }
@media (max-width: 960px) {
  .main-nav, .header-phone { display: none; }
  .nav-toggle { display: inline-flex; }
}
.header-cta .btn { white-space: nowrap; }
@media (max-width: 420px) { .header-cta .btn { padding: 10px 14px; font-size: .85rem; } .logo { font-size: 1rem; } .logo-mark { width: 38px; height: 38px; } }

/* ---------- Mobile drawer ---------- */
.drawer-backdrop { position: fixed; inset: 0; background: rgba(10,37,64,.5); z-index: 90; opacity: 0; visibility: hidden; transition: .2s; }
.drawer {
  position: fixed; top: 0; right: 0; bottom: 0; width: min(340px, 88vw); background: #fff; z-index: 100;
  transform: translateX(100%); transition: transform .25s ease; display: flex; flex-direction: column; overflow-y: auto;
}
body.drawer-open .drawer { transform: none; }
body.drawer-open .drawer-backdrop { opacity: 1; visibility: visible; }
body.drawer-open, body.modal-open { overflow: hidden; }
.drawer-head { display: flex; justify-content: space-between; align-items: center; padding: 16px; border-bottom: 1px solid var(--line); }
.drawer nav { padding: 8px 16px; display: flex; flex-direction: column; }
.drawer nav a { padding: 13px 4px; border-bottom: 1px solid var(--line); color: var(--text); font-weight: 600; display: flex; justify-content: space-between; }
.drawer nav a.active { color: var(--brand); }
.drawer .drawer-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); padding: 16px 4px 4px; }
.drawer nav a.sub { padding-left: 14px; font-weight: 500; }
.drawer-foot { margin-top: auto; padding: 16px; display: grid; gap: 10px; background: var(--bg-soft); }
.icon-btn { width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--line); background: #fff; display: inline-grid; place-items: center; color: var(--brand-ink); }
.icon-btn svg { width: 20px; height: 20px; }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(245,165,36,.22), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(22,115,196,.55), transparent 60%),
    linear-gradient(135deg, #08355e 0%, #0b4f8a 55%, #0d5fa6 100%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .08;
  background-image: linear-gradient(#fff 1px, transparent 1px), linear-gradient(90deg, #fff 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: linear-gradient(180deg, #000 0%, transparent 85%);
  -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent 85%);
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; padding-top: 64px; padding-bottom: 72px; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: normal; color: var(--accent); }
.hero-sub { font-size: 1.12rem; color: #d3e2f2; max-width: 560px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 28px 0; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.hero-badges li { list-style: none; display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18); font-size: .9rem; font-weight: 600; }
.hero-badges svg { width: 16px; height: 16px; color: var(--accent); }
.hero-card { background: #fff; color: var(--text); border-radius: 20px; padding: 26px; box-shadow: var(--shadow-lg); }
.hero-card h3 { margin-bottom: 4px; }
.hero-card .lead { color: var(--muted); font-size: .92rem; margin-bottom: 18px; }
@media (max-width: 960px) {
  .hero .container { grid-template-columns: 1fr; gap: 32px; padding-top: 44px; padding-bottom: 52px; }
}
@media (max-width: 480px) { .hero-actions .btn { width: 100%; } }

/* ---------- Page hero ---------- */
.page-hero {
  color: #fff; position: relative; overflow: hidden;
  background:
    radial-gradient(600px 300px at 90% 0%, rgba(245,165,36,.2), transparent 60%),
    linear-gradient(135deg, #08355e 0%, #0b4f8a 100%);
  padding: 56px 0 60px;
}
.page-hero h1 { color: #fff; max-width: 780px; }
.page-hero p { color: #d3e2f2; font-size: 1.08rem; max-width: 720px; }
.crumbs { font-size: .85rem; color: #a9c1da; margin-bottom: 14px; display: flex; gap: 8px; flex-wrap: wrap; }
.crumbs a { color: #fff; }
.page-hero .hero-actions { margin: 24px 0 0; }
.stat-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-top: 32px; max-width: 860px; }
.stat-strip div { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius-sm); padding: 14px 16px; }
.stat-strip strong { display: block; font-size: 1.3rem; color: #fff; }
.stat-strip span { font-size: .82rem; color: #b9cde2; }
@media (max-width: 767px) { .stat-strip { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Trust bar ---------- */
.trustbar { background: #fff; border-bottom: 1px solid var(--line); }
.trustbar .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; padding-top: 22px; padding-bottom: 22px; }
.trustbar div { display: flex; align-items: center; gap: 12px; font-size: .9rem; color: var(--muted); }
.trustbar strong { display: block; color: var(--brand-ink); font-size: 1.05rem; }
.trustbar .ico { width: 42px; height: 42px; border-radius: 12px; background: var(--bg-tint); color: var(--brand); display: grid; place-items: center; flex: none; }
.trustbar svg { width: 20px; height: 20px; }
@media (max-width: 860px) { .trustbar .container { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 1024px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; transition: transform .2s ease, box-shadow .2s ease, border-color .2s; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #c6d7ea; }
.card .ico { width: 52px; height: 52px; border-radius: 14px; background: var(--bg-tint); color: var(--brand); display: grid; place-items: center; margin-bottom: 16px; }
.card .ico svg { width: 26px; height: 26px; }
.card p { color: var(--muted); margin-bottom: 0; }
.card .num { font-size: .8rem; font-weight: 800; color: var(--accent-dark); letter-spacing: .1em; margin-bottom: 6px; display: block; }

.service-card { display: flex; flex-direction: column; position: relative; overflow: hidden; }
.service-card::before { content: ""; position: absolute; left: 0; top: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--brand), var(--accent)); }
.service-card .amount { font-size: .85rem; color: var(--muted); }
.service-card .amount strong { display: block; font-size: 1.5rem; color: var(--brand-ink); }
.service-card ul { list-style: none; margin: 16px 0; display: grid; gap: 8px; }
.service-card li { display: flex; gap: 8px; font-size: .93rem; }
.service-card li svg { width: 18px; height: 18px; color: var(--green); flex: none; margin-top: 3px; }
.service-card .aud { font-size: .85rem; background: var(--bg-soft); border-radius: 10px; padding: 10px 12px; margin-bottom: 18px; color: var(--muted); }
.service-card .aud b { color: var(--brand-ink); }
.service-card .actions { margin-top: auto; display: flex; gap: 8px; flex-wrap: wrap; }
.service-card .actions .btn { flex: 1 1 auto; }

/* ---------- Split / content ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.split-top { align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 32px; } }

.check-list { list-style: none; display: grid; gap: 14px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list .tick { width: 26px; height: 26px; border-radius: 50%; background: #e3f6ea; color: var(--green); display: grid; place-items: center; flex: none; margin-top: 1px; }
.check-list .tick svg { width: 15px; height: 15px; }
.check-list b { color: var(--brand-ink); }

.info-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.info-panel h3 { display: flex; align-items: center; gap: 10px; }
.info-panel h3 svg { width: 22px; height: 22px; color: var(--brand); }

.doc-list { list-style: none; display: grid; gap: 12px; }
.doc-list li { display: flex; gap: 14px; padding: 16px; border-radius: var(--radius-sm); background: var(--bg-soft); border: 1px solid var(--line); }
.doc-list .ico { width: 38px; height: 38px; border-radius: 10px; background: #fff; color: var(--brand); display: grid; place-items: center; flex: none; border: 1px solid var(--line); }
.doc-list .ico svg { width: 18px; height: 18px; }
.doc-list b { display: block; color: var(--brand-ink); }
.doc-list span { color: var(--muted); font-size: .93rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: step; position: relative; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 20px; text-align: center; position: relative; }
.step::before { counter-increment: step; content: counter(step); width: 46px; height: 46px; border-radius: 50%; background: var(--brand); color: #fff; font-weight: 800; display: grid; place-items: center; margin: 0 auto 12px; font-size: 1.1rem; box-shadow: 0 0 0 6px var(--bg-tint); }
.step h3 { font-size: 1.05rem; margin-bottom: 4px; }
.step p { color: var(--muted); font-size: .9rem; margin: 0; }
@media (max-width: 860px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .steps { grid-template-columns: 1fr; } }

/* ---------- EMI Calculator ---------- */
.emi { display: grid; grid-template-columns: 1.2fr .8fr; background: #fff; border-radius: 20px; overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--line); }
.emi-inputs { padding: 32px; display: grid; gap: 26px; }
.emi-field label { display: flex; justify-content: space-between; align-items: center; gap: 12px; font-weight: 700; color: var(--brand-ink); margin-bottom: 10px; flex-wrap: wrap; }
.emi-field .val { display: inline-flex; align-items: center; background: var(--bg-tint); border-radius: 10px; padding: 0 10px; color: var(--brand); font-weight: 800; }
.emi-field .val input { width: 120px; border: 0; background: transparent; font: inherit; color: inherit; padding: 8px 0; text-align: right; outline: none; }
.emi-field .val.short input { width: 52px; }
.emi-field .range-ends { display: flex; justify-content: space-between; font-size: .78rem; color: var(--muted); margin-top: 6px; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 999px; background: linear-gradient(to right, var(--brand) var(--fill, 50%), #dbe6f2 var(--fill, 50%)); outline: none; margin: 0; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: #fff; border: 5px solid var(--brand); box-shadow: 0 2px 8px rgba(0,0,0,.2); cursor: pointer; }
input[type=range]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 5px solid var(--brand); box-shadow: 0 2px 8px rgba(0,0,0,.2); cursor: pointer; }
.emi-out { background: linear-gradient(160deg, var(--brand-ink), var(--brand)); color: #fff; padding: 32px; display: flex; flex-direction: column; gap: 18px; }
.emi-out .big span { font-size: .9rem; color: #b9cde2; }
.emi-out .big strong { display: block; font-size: clamp(2rem, 4vw, 2.6rem); line-height: 1.1; color: #fff; }
.emi-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.14); font-size: .95rem; }
.emi-row b { color: #fff; }
.emi-row span { color: #c6d6e7; display: inline-flex; align-items: center; gap: 8px; }
.emi-row i { width: 10px; height: 10px; border-radius: 3px; display: inline-block; }
.emi-bar { height: 12px; border-radius: 999px; overflow: hidden; display: flex; background: rgba(255,255,255,.15); }
.emi-bar .p { background: #7cc0ff; }
.emi-bar .i { background: var(--accent); }
.emi-out .btn { margin-top: auto; }
@media (max-width: 860px) { .emi { grid-template-columns: 1fr; } .emi-inputs, .emi-out { padding: 24px 20px; } }

/* ---------- Testimonials ---------- */
.testi { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; position: relative; }
.testi .stars { color: var(--accent); letter-spacing: 2px; font-size: 1.1rem; margin-bottom: 12px; }
.testi blockquote { margin: 0 0 20px; font-size: 1.05rem; color: var(--text); }
.testi .who { display: flex; align-items: center; gap: 12px; }
.testi .avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--brand); color: #fff; display: grid; place-items: center; font-weight: 800; }
.testi .who b { display: block; color: var(--brand-ink); }
.testi .who span { font-size: .87rem; color: var(--muted); }
.testi .quote { position: absolute; right: 22px; top: 18px; width: 40px; height: 40px; color: var(--bg-tint); }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.faq summary { list-style: none; cursor: pointer; padding: 18px 20px; font-weight: 700; color: var(--brand-ink); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--brand); transition: transform .2s; flex: none; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding: 0 20px 18px; margin: 0; color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(120deg, var(--brand-ink), var(--brand)); color: #fff; border-radius: 22px; padding: 44px; display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; width: 320px; height: 320px; border-radius: 50%; right: -80px; top: -140px; background: radial-gradient(circle, rgba(245,165,36,.35), transparent 70%); }
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { color: #c9d9ea; margin: 0; }
.cta-band .hero-actions { margin: 0; position: relative; z-index: 1; }
@media (max-width: 640px) { .cta-band { padding: 30px 22px; } .cta-band .hero-actions { width: 100%; } .cta-band .btn { width: 100%; } }

/* ---------- Vision / mission ---------- */
.vm-card { border-radius: var(--radius); padding: 32px; color: #fff; background: linear-gradient(150deg, var(--brand-ink), var(--brand)); }
.vm-card.alt { background: linear-gradient(150deg, #6b3f00, var(--accent-dark)); }
.vm-card h3 { color: #fff; font-size: 1.4rem; display: flex; align-items: center; gap: 10px; }
.vm-card h3 svg { width: 26px; height: 26px; }
.vm-card p { color: rgba(255,255,255,.88); font-size: 1.05rem; margin: 0; }

/* ---------- Contact ---------- */
.contact-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.contact-cards .card { text-align: left; }
.contact-cards .card b { display: block; color: var(--brand-ink); margin-bottom: 4px; }
.contact-cards .card a, .contact-cards .card p { color: var(--muted); word-break: break-word; }
@media (max-width: 1024px) { .contact-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .contact-cards { grid-template-columns: 1fr; } }
.map-wrap { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); min-height: 360px; height: 100%; background: var(--bg-soft); }
.map-wrap iframe { width: 100%; height: 100%; min-height: 360px; border: 0; display: block; }

/* ---------- Legal ---------- */
.legal { max-width: 860px; margin: 0 auto; }
.legal h2 { margin-top: 1.4em; }
.legal ol { padding-left: 0; list-style: none; display: grid; gap: 14px; counter-reset: lg; }
.legal ol li { counter-increment: lg; background: var(--bg-soft); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 18px 20px 18px 62px; position: relative; }
.legal ol li::before { content: counter(lg); position: absolute; left: 18px; top: 18px; width: 30px; height: 30px; border-radius: 50%; background: var(--brand); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: .9rem; }
.legal ol b { color: var(--brand-ink); }
.legal-tabs { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 24px; }

/* ---------- Forms ---------- */
.enquiry-form { display: grid; gap: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 520px) { .form-row { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; position: relative; }
.field label { font-size: .86rem; font-weight: 700; color: var(--brand-ink); display: flex; gap: 6px; align-items: baseline; }
.field label .req { color: var(--danger); }
.field label .opt { font-weight: 500; color: var(--muted); font-size: .78rem; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border-radius: var(--radius-sm); border: 1.5px solid var(--line);
  background: #fff; font: inherit; font-size: 16px; color: var(--text); transition: border-color .15s, box-shadow .15s;
}
.field textarea { resize: vertical; min-height: 84px; }
.field select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235b6b7c' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--brand); box-shadow: 0 0 0 4px rgba(11,79,138,.12); outline: none; }
.field.invalid input, .field.invalid select { border-color: var(--danger); background: #fff7f7; }
.field.valid input, .field.valid select { border-color: #8fd3aa; }
.field .err { color: var(--danger); font-size: .8rem; display: none; }
.field.invalid .err { display: block; }
.field .hint { font-size: .8rem; color: var(--green); font-weight: 600; min-height: 0; }
.input-prefix { display: flex; align-items: stretch; }
.input-prefix span { display: grid; place-items: center; padding: 0 12px; border: 1.5px solid var(--line); border-right: 0; border-radius: var(--radius-sm) 0 0 var(--radius-sm); background: var(--bg-soft); font-weight: 700; color: var(--muted); font-size: .95rem; }
.input-prefix input { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.field.invalid .input-prefix span { border-color: var(--danger); }
.more-toggle { background: none; border: 0; padding: 4px 0; color: var(--brand); font-weight: 700; font-size: .9rem; display: inline-flex; align-items: center; gap: 6px; justify-self: start; }
.more-toggle svg { width: 16px; height: 16px; transition: transform .2s; }
.more-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
.more-fields { display: grid; gap: 14px; }
.more-fields[hidden] { display: none; }
.form-note { font-size: .78rem; color: var(--muted); margin: 0; display: flex; gap: 6px; align-items: flex-start; }
.form-note svg { width: 14px; height: 14px; flex: none; margin-top: 3px; color: var(--green); }
.form-note a { text-decoration: underline; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { display: none; padding: 12px 14px; border-radius: var(--radius-sm); font-size: .9rem; }
.form-status.error { display: block; background: #fdecec; color: #8f1d1d; border: 1px solid #f6c3c3; }
.btn .spinner { width: 18px; height: 18px; border: 3px solid rgba(0,0,0,.2); border-top-color: currentColor; border-radius: 50%; animation: spin .8s linear infinite; display: none; }
.btn.loading .spinner { display: inline-block; }
.btn.loading .lbl { opacity: .8; }
@keyframes spin { to { transform: rotate(360deg); } }

.form-success { text-align: center; padding: 10px 4px; }
.form-success .check { width: 72px; height: 72px; border-radius: 50%; background: #e3f6ea; color: var(--green); display: grid; place-items: center; margin: 0 auto 16px; animation: pop .35s ease; }
.form-success .check svg { width: 36px; height: 36px; }
.form-success p { color: var(--muted); }
.form-success .ref { display: inline-block; background: var(--bg-soft); border: 1px dashed #b7c9dc; border-radius: 10px; padding: 8px 14px; font-weight: 700; color: var(--brand-ink); margin-bottom: 16px; }
.form-success .actions { display: grid; gap: 10px; }
@keyframes pop { from { transform: scale(.6); opacity: 0; } to { transform: none; opacity: 1; } }

.form-card { background: #fff; border-radius: 20px; padding: 30px; box-shadow: var(--shadow-lg); border: 1px solid var(--line); }
.form-card h3 { margin-bottom: 4px; }
.form-card .lead { color: var(--muted); font-size: .93rem; margin-bottom: 18px; }
@media (max-width: 480px) { .form-card, .hero-card { padding: 22px 18px; } }

/* ---------- Modal ---------- */
.modal { position: fixed; inset: 0; z-index: 200; display: flex; align-items: center; justify-content: center; padding: 16px; opacity: 0; visibility: hidden; transition: .2s ease; }
.modal.open { opacity: 1; visibility: visible; }
.modal-backdrop { position: absolute; inset: 0; background: rgba(8, 25, 45, .62); backdrop-filter: blur(3px); }
.modal-dialog { position: relative; width: 100%; max-width: 560px; max-height: calc(100vh - 32px); max-height: calc(100dvh - 32px); overflow-y: auto; background: #fff; border-radius: 22px; box-shadow: var(--shadow-lg); transform: translateY(16px) scale(.98); transition: transform .22s ease; }
.modal.open .modal-dialog { transform: none; }
.modal-head { padding: 24px 26px 6px; position: relative; }
.modal-head h3 { margin: 0 40px 4px 0; font-size: 1.35rem; }
.modal-head p { margin: 0; color: var(--muted); font-size: .92rem; }
.modal-close { position: absolute; right: 16px; top: 16px; }
.modal-body { padding: 16px 26px 26px; }
.modal-perks { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.modal-perks span { font-size: .78rem; font-weight: 700; color: var(--brand); background: var(--bg-tint); padding: 5px 10px; border-radius: 999px; }
@media (max-width: 560px) {
  .modal { align-items: flex-end; padding: 0; }
  .modal-dialog { border-radius: 22px 22px 0 0; max-height: 94vh; max-height: 94dvh; transform: translateY(100%); }
  .modal-head { padding: 22px 18px 4px; }
  .modal-body { padding: 14px 18px 22px; }
}

/* ---------- Footer ---------- */
.site-footer { background: var(--brand-ink); color: #a9bcd0; padding-top: 64px; font-size: .93rem; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 16px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 36px; }
.site-footer ul { list-style: none; display: grid; gap: 10px; }
.site-footer a { color: #a9bcd0; }
.site-footer a:hover { color: #fff; }
.footer-contact li { display: flex; gap: 10px; }
.footer-contact svg { width: 18px; height: 18px; flex: none; margin-top: 3px; color: var(--accent); }
.footer-disclaimer { margin-top: 44px; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.1); font-size: .8rem; color: #8399b0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 18px 0; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: .85rem; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; gap: 28px; } }

/* ---------- Floating actions ---------- */
.float-actions { position: fixed; right: 18px; bottom: 22px; z-index: 60; display: grid; gap: 12px; }
.fab { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; color: #fff; box-shadow: 0 10px 24px rgba(0,0,0,.22); transition: transform .15s; }
.fab:hover { transform: scale(1.06); color: #fff; }
.fab svg { width: 26px; height: 26px; }
.fab-wa { background: #25d366; }
.fab-call { background: var(--brand); }
.mobile-bar { display: none; }
@media (max-width: 760px) {
  .float-actions { display: none; }
  .mobile-bar { display: grid; grid-template-columns: 1fr 1fr 1.3fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(10,37,64,.08); padding: 8px 10px calc(8px + env(safe-area-inset-bottom)); gap: 8px; }
  .mobile-bar a, .mobile-bar button { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2px; font-size: .74rem; font-weight: 700; color: var(--brand-ink); border: 0; background: none; padding: 6px 0; border-radius: 12px; }
  .mobile-bar svg { width: 20px; height: 20px; }
  .mobile-bar .wa svg { color: #25d366; }
  .mobile-bar .call svg { color: var(--brand); }
  .mobile-bar .apply { background: var(--accent); color: #1d1300; flex-direction: row; gap: 8px; font-size: .92rem; }
  body { padding-bottom: 72px; }
}

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.muted { color: var(--muted); }
.lead-text { font-size: 1.1rem; color: var(--muted); }
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .reveal { opacity: 1; transform: none; transition: none; } * { animation: none !important; } }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }