/* =========================================================
   Dhyana Fincare LLP — Global Stylesheet (AU Bank–Inspired Theme)
   Version: 3.0 | Gujarat, India
   ========================================================= */

/* ── Google Fonts (Poppins) loaded via <link> in each page ── */

/* ─── CSS Custom Properties ─── */
:root {
  --navy:      #1A202C;   /* AU Bank deep navy */
  --royal:     #B71C1C;   /* AU Bank vivid red */
  --gold:      #B71C1C;   /* Red as primary CTA accent */
  --gold-dark: #8B1010;   /* Darker red for hover states */
  --bg:        #F5F7FA;
  --text:      #1A202C;
  --muted:     #64748b;
}

/* ─── Base ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Poppins', sans-serif;
  background: #fff;
  color: var(--text);
  line-height: 1.6;
}
h1, h2, h3, h4, .font-display {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
}
a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }

/* ─── Typography Helpers ─── */
.gold-text   { color: var(--gold); }
.navy-text   { color: var(--navy); }
.muted-text  { color: var(--muted); }

/* ─── Buttons ─── */
.btn-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--gold);
  color: #fff;
  font-weight: 600;
  font-family: 'Poppins', sans-serif;
  cursor: pointer;
  border: none;
  transition: background .3s, transform .25s, box-shadow .3s;
  letter-spacing: 0.01em;
}
.btn-gold:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(183,28,28,.35);
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 2px solid white;
  color: white;
  font-weight: 600;
  font-family: 'Poppins', sans-serif;
  cursor: pointer;
  background: transparent;
  transition: background .3s, color .3s, transform .25s;
}
.btn-outline:hover {
  background: white;
  color: var(--navy);
  transform: translateY(-2px);
}

.btn-navy {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--navy);
  color: white;
  font-weight: 600;
  font-family: 'Poppins', sans-serif;
  cursor: pointer;
  border: none;
  transition: background .3s, transform .25s;
}
.btn-navy:hover {
  background: #0d1117;
  transform: translateY(-2px);
}

/* ─── Section Divider ─── */
.section-divider {
  width: 56px;
  height: 4px;
  background: var(--gold);
  border-radius: 2px;
}

/* ─── Badges ─── */
.badge {
  background: rgba(183,28,28,.1);
  border: 1px solid rgba(183,28,28,.28);
}

/* ─── Cards ─── */
.card-hover {
  transition: transform .35s cubic-bezier(.4,0,.2,1), box-shadow .35s;
}
.card-hover:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(26,32,44,.13);
}

/* ─── Animations ─── */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: none;
}

@keyframes pulse-wa {
  0%,100% { filter: drop-shadow(0 4px 8px rgba(37,211,102,.5)); }
  50%      { filter: drop-shadow(0 4px 14px rgba(37,211,102,.8)); }
}

/* ─── Navbar ─── */
.navbar {
  background: white;
  box-shadow: 0 1px 4px rgba(0,0,0,.08);
  position: sticky;
  top: 0;
  z-index: 100;
  border-top: 3px solid var(--gold); /* AU Bank-style red top stripe */
}

.navbar-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.nav-logo-img {
  height: 54px;
  width: auto;
  max-width: 240px;
  object-fit: contain;
  flex-shrink: 0;
  display: block;
}

.site-footer .footer-brand > .nav-logo {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 18px;
  margin-bottom: 6px;
  max-width: 100%;
  box-sizing: border-box;
  background: #f1f5f9;
  border-radius: 14px;
  box-shadow: 0 8px 28px rgba(0,0,0,.22);
}

.site-footer .nav-logo-img {
  height: auto;
  max-height: 56px;
  width: auto;
  max-width: min(100%, 300px);
  object-fit: contain;
  display: block;
}

.nav-logo-text .brand-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  line-height: 1.2;
}

.nav-logo-text .brand-sub {
  font-size: 0.7rem;
  color: #94a3b8;
  font-weight: 500;
}

/* Desktop nav links */
.nav-links {
  display: none;
  align-items: center;
  gap: 28px;
  list-style: none;
}

@media (min-width: 1024px) {
  .nav-links { display: flex; }
}

.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: #374151;
  text-decoration: none;
  position: relative;
  transition: color .25s;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: -3px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width .3s;
}
.nav-link:hover,
.nav-link.active { color: var(--navy); }
.nav-link:hover::after,
.nav-link.active::after { width: 100%; }

.nav-cta { display: none; }
@media (min-width: 1024px) {
  .nav-cta { display: flex; align-items: center; gap: 12px; }
}

/* Hamburger */
.menu-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 8px;
  border: none;
  background: transparent;
  color: #374151;
  cursor: pointer;
  font-size: 1.2rem;
  transition: background .2s;
}
.menu-toggle:hover { background: #f1f5f9; }

@media (min-width: 1024px) {
  .menu-toggle { display: none; }
}

/* Mobile menu */
.mobile-menu {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
  background: white;
  border-top: 1px solid #f1f5f9;
}
.mobile-menu.open { max-height: 640px; }

.mobile-menu ul {
  list-style: none;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.mobile-menu li a {
  display: block;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 0.875rem;
  font-weight: 500;
  color: #374151;
  transition: background .2s, color .2s;
}
.mobile-menu li a:hover { background: #f8fafc; }
.mobile-menu li a.active { background: #fff0f2; color: var(--royal); }

.mobile-cta {
  margin: 8px 16px 16px;
}

/* ─── Page Hero (shared for inner pages) ─── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #2D3748 60%, #374151 100%);
  position: relative;
  overflow: hidden;
  padding: 80px 0;
  color: white;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1497366216548-37526070297c?w=1600&q=80') center/cover no-repeat;
  opacity: 0.06;
}
.page-hero .hero-content {
  position: relative;
  z-index: 1;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .page-hero { padding: 112px 0; }
}

/* ─── Footer ─── */
.site-footer {
  background: var(--navy);
  color: white;
  padding-top: 56px;
  padding-bottom: 32px;
}

.footer-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 48px;
}
@media (min-width: 640px)  { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1.2fr; } }

.footer-brand p {
  color: #94a3b8;
  font-size: 0.875rem;
  line-height: 1.7;
  margin-top: 16px;
  margin-bottom: 20px;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.social-btn {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #94a3b8;
  font-size: 0.8rem;
  transition: background .25s, color .25s;
  text-decoration: none;
}
.social-btn:hover { color: white; }
.social-btn.fb:hover  { background: #1877F2; }
.social-btn.ig:hover  { background: linear-gradient(135deg,#f09433,#bc1888); }
.social-btn.li:hover  { background: #0A66C2; }
.social-btn.wa:hover  { background: #25D366; }
.social-btn.tg:hover  { background: #2CA5E0; }

.footer-col-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links li a {
  font-size: 0.875rem;
  color: #94a3b8;
  text-decoration: none;
  transition: color .2s;
}
.footer-links li a:hover { color: white; }

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.875rem;
  color: #94a3b8;
}

.footer-contact-list li i {
  color: var(--gold);
  margin-top: 2px;
  width: 14px;
  flex-shrink: 0;
}

.footer-divider {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 28px;
}

.footer-disclaimer {
  font-size: 0.72rem;
  color: #64748b;
  line-height: 1.8;
  margin-bottom: 16px;
}

.footer-disclaimer strong { color: #94a3b8; }

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.72rem;
  color: #64748b;
}
@media (min-width: 640px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: center; }
}

/* ─── WhatsApp Floating Button ─── */
.whatsapp-fab {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  width: 58px;
  height: 58px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,.5);
  animation: pulse-wa 2s infinite;
  text-decoration: none;
  transition: transform .2s;
}
.whatsapp-fab:hover { transform: scale(1.1); }
.whatsapp-fab i { color: white; font-size: 1.6rem; }

/* ─── Input Fields ─── */
.input-field {
  width: 100%;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 0.875rem;
  color: var(--navy);
  background: white;
  outline: none;
  font-family: 'Poppins', sans-serif;
  transition: border-color .25s, box-shadow .25s;
  appearance: none;
}
.input-field:focus {
  border-color: var(--royal);
  box-shadow: 0 0 0 3px rgba(183,28,28,.1);
}
.input-field.error { border-color: #ef4444; }

/* ─── Form Labels ─── */
.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

/* ─── Icons in Service Cards ─── */
.service-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--royal), var(--navy));
  flex-shrink: 0;
}
.service-icon i { color: white; font-size: 1.25rem; }

/* ─── Stat Cards ─── */
.stat-card {
  background: linear-gradient(135deg, var(--navy), #2D3748);
  border-radius: 16px;
  padding: 32px 24px;
  text-align: center;
  color: white;
}

/* ─── Page Form Card (Loan & Partners) ─── */
.page-form-card {
  background: #fff;
  border: 1px solid #e2e8f0;
  border-top: 4px solid var(--gold);
  border-radius: 20px;
  padding: 40px 36px;
  box-shadow: 0 10px 48px rgba(26,32,44,.09);
}

/* Two-column grid */
.pf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px 24px;
}
.pf-group { display: flex; flex-direction: column; }
.pf-full  { margin-top: 20px; }
.pf-check-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 10px;
  margin-top: 2px;
}

/* Labels */
.pf-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: #374151;
  margin-bottom: 7px;
  letter-spacing: 0.01em;
}
.pf-req { color: var(--gold); margin-left: 1px; }

/* Fields — inputs & textareas */
.pf-field {
  width: 100%;
  border: 1.5px solid #d1d5db;
  border-radius: 10px;
  padding: 11px 14px;
  font-size: 0.875rem;
  font-family: 'Poppins', sans-serif;
  color: #1A202C;
  background: #fff;
  transition: border-color .2s, box-shadow .2s;
  outline: none;
}
.pf-field::placeholder { color: #b0b7c3; }
.pf-field:hover  { border-color: #9ca3af; }
.pf-field:focus  {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(183,28,28,.09);
}
textarea.pf-field { resize: none; }

/* Select — custom arrow, no native chrome */
select.pf-field {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  padding-right: 42px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 16px;
  cursor: pointer;
}
select.pf-field:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(183,28,28,.09);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23E31837' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
}

/* Checkbox pills */
.form-check-pill {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  border: 1.5px solid #d1d5db;
  border-radius: 10px;
  background: #fff;
  cursor: pointer;
  font-size: 0.83rem;
  font-weight: 500;
  color: #374151;
  transition: border-color .2s, background .2s, color .2s;
  -webkit-user-select: none;
  user-select: none;
}
.form-check-pill input[type="checkbox"] {
  width: 15px; height: 15px;
  accent-color: var(--gold);
  cursor: pointer;
  flex-shrink: 0;
}
.form-check-pill:hover {
  border-color: var(--gold);
  background: #fff5f5;
  color: var(--royal);
}

/* Consent row */
.form-consent-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 20px;
  padding: 14px 16px;
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
}
.form-consent-row input[type="checkbox"] {
  width: 16px; height: 16px;
  margin-top: 2px;
  accent-color: var(--gold);
  cursor: pointer;
  flex-shrink: 0;
}
.form-consent-row label {
  font-size: 0.78rem;
  color: #6b7280;
  line-height: 1.65;
  cursor: pointer;
  font-weight: 400;
}

/* Submit button */
.pf-submit {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  margin-top: 24px;
  padding: 14px 24px;
  border-radius: 12px;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  border: none;
  cursor: pointer;
}

@media (max-width: 640px) {
  .page-form-card { padding: 28px 18px; }
  .pf-grid        { grid-template-columns: 1fr; }
  .pf-check-grid  { grid-template-columns: 1fr 1fr; }
}

/* ─── Benefit Cards (Partners page) ─── */
.benefit-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 28px 24px;
  box-shadow: 0 4px 16px rgba(26,32,44,.07);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  position: relative;
  overflow: hidden;
}
.benefit-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 4px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.benefit-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(26,32,44,.12);
  border-color: rgba(183,28,28,.2);
}
.benefit-card:hover::after {
  transform: scaleX(1);
}

/* ─── Testimonials ─── */
.testi-section {
  background: #fff;
}

.testimonial-card {
  position: relative;
  background: #ffffff;
  border-radius: 16px;
  padding: 32px 28px 28px;
  box-shadow: 0 8px 32px rgba(26,32,44,.10);
  border-top: 4px solid var(--gold);
  transition: transform .35s ease, box-shadow .35s ease;
  overflow: hidden;
}
.testimonial-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(145deg, rgba(255,255,255,1) 60%, rgba(243,244,246,1) 100%);
  z-index: 0;
  border-radius: inherit;
}
.testimonial-card > * { position: relative; z-index: 1; }
.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(26,32,44,.14);
}

/* Quote icon watermark */
.testi-quote-icon {
  font-size: 2.2rem;
  color: var(--gold);
  opacity: .18;
  margin-bottom: 10px;
  line-height: 1;
}

/* Stars */
.testi-stars {
  color: #f59e0b;
  font-size: 1rem;
  letter-spacing: .06em;
  margin-bottom: 14px;
}

/* Body text */
.testi-text {
  color: #4b5563;
  font-size: 0.9rem;
  line-height: 1.78;
  margin-bottom: 24px;
}

/* Author row */
.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testi-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.95rem;
  flex-shrink: 0;
}
.testi-avatar-red   { background: #fee2e2; color: #b91c1c; }
.testi-avatar-green { background: #d1fae5; color: #065f46; }
.testi-avatar-amber { background: #fef3c7; color: #92400e; }
.testi-name  { font-weight: 700; font-size: 0.88rem; color: #1A202C; }
.testi-role  { font-size: 0.74rem; color: #9ca3af; margin-top: 1px; }

/* ─── Mobile Accordion ─── */
.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
}
.accordion-content.open { max-height: 400px; }

/* ─── FAQ ─── */
.faq-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
}
.faq-content.open { max-height: 300px; }

/* ═══════════════════════════════════════════════════
   HERO SLIDER
   ═══════════════════════════════════════════════════ */

/* Section wrapper */
.hs-section { position: relative; }

/* Track — fixed height, clips all slides */
.hs-track {
  position: relative;
  overflow: hidden;
  height: 600px;
  background: #0d0d0d;
}

/* Individual slides — all absolutely stacked, fade in/out */
.hs-slide {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
  opacity: 0;
  transition: opacity .8s ease;
  pointer-events: none;
}
.hs-slide.hs-active {
  opacity: 1;
  pointer-events: auto;
}

/* Per-slide background images */
.hs-slide-loans  { background-image: url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1600&q=80'); }
.hs-slide-invest { background-image: url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?w=1600&q=80'); }
.hs-slide-insure { background-image: url('https://images.unsplash.com/photo-1529156069898-49953e39b3ac?w=1600&q=80'); }

/* Dark gradient overlays */
.hs-overlay {
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.hs-overlay-loans  { background: linear-gradient(100deg, rgba(15,5,5,.88) 0%, rgba(15,5,5,.60) 60%, rgba(15,5,5,.18) 100%); }
.hs-overlay-invest { background: linear-gradient(100deg, rgba(4,30,18,.85) 0%, rgba(4,30,18,.58) 60%, rgba(4,30,18,.18) 100%); }
.hs-overlay-insure { background: linear-gradient(100deg, rgba(10,8,30,.88) 0%, rgba(10,8,30,.60) 60%, rgba(10,8,30,.18) 100%); }

/* Inner content wrapper — fills slide height, centres text */
.hs-inner {
  position: relative;
  height: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 60px;
  display: flex;
  align-items: center;
}

/* Text content block */
.hs-content {
  max-width: 620px;
}

/* Slide-in animation for content when slide becomes active */
.hs-slide .hs-content {
  transform: translateY(28px);
  opacity: 0;
  transition: transform .65s ease .15s, opacity .65s ease .15s;
}
.hs-slide.hs-active .hs-content {
  transform: none;
  opacity: 1;
}

/* Badge */
.hs-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 20px;
  border: 1px solid;
}
.hs-badge-loans  { border-color: rgba(183,28,28,.55);  color: #fca5a5; background: rgba(183,28,28,.12); }
.hs-badge-invest { border-color: rgba(16,185,129,.50); color: #6ee7b7; background: rgba(16,185,129,.12); }
.hs-badge-insure { border-color: rgba(139,92,246,.45); color: #c4b5fd; background: rgba(139,92,246,.12); }

/* Heading */
.hs-heading {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 800;
  line-height: 1.15;
  color: #fff;
  margin-bottom: 18px;
  letter-spacing: -.02em;
}

/* Accent span inside heading */
.hs-accent-loans  { color: #fca5a5; }
.hs-accent-invest { color: #6ee7b7; }
.hs-accent-insure { color: #c4b5fd; }

/* Description */
.hs-desc {
  color: rgba(255,255,255,.78);
  font-size: 1.02rem;
  line-height: 1.75;
  margin-bottom: 32px;
  max-width: 530px;
}

/* CTA row */
.hs-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}
.hs-btn {
  padding: 13px 32px !important;
  border-radius: 6px !important;
  font-size: 0.93rem !important;
}

/* Per-slide primary CTA colour */
.hs-cta-invest { background: #059669 !important; }
.hs-cta-invest:hover { background: #047857 !important; box-shadow: 0 8px 24px rgba(5,150,105,.4) !important; }
.hs-cta-insure { background: #7c3aed !important; }
.hs-cta-insure:hover { background: #6d28d9 !important; box-shadow: 0 8px 24px rgba(124,58,237,.4) !important; }

/* Outline button */
.hs-btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 12px 26px;
  border-radius: 6px;
  border: 2px solid;
  font-weight: 600;
  font-size: 0.9rem;
  transition: background .25s, color .25s, transform .25s;
}
.hs-btn-outline:hover { transform: translateY(-2px); }

.hs-outline-loans  { border-color: rgba(255,255,255,.55); color: #fff; }
.hs-outline-loans:hover  { background: rgba(255,255,255,.12); }
.hs-outline-invest { border-color: #6ee7b7; color: #6ee7b7; }
.hs-outline-invest:hover { background: rgba(110,231,183,.12); }
.hs-outline-insure { border-color: #c4b5fd; color: #c4b5fd; }
.hs-outline-insure:hover { background: rgba(196,181,253,.12); }

/* Arrow buttons */
.hs-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
  color: #fff;
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background .25s, transform .25s;
  z-index: 10;
  -webkit-backdrop-filter: blur(6px);
  backdrop-filter: blur(6px);
}
.hs-arrow:hover { background: rgba(255,255,255,.26); transform: translateY(-50%) scale(1.08); }
.hs-prev { left: 20px; }
.hs-next { right: 20px; }

/* Dot indicators */
.hs-dots {
  position: absolute;
  bottom: 22px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 10;
}
.hs-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,.4);
  border: none;
  cursor: pointer;
  transition: background .3s, width .3s, border-radius .3s;
  padding: 0;
}
.hs-dot.hs-dot-active {
  background: #fff;
  width: 28px;
  border-radius: 5px;
}

/* Progress bar */
.hs-progress {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: rgba(255,255,255,.12);
  z-index: 10;
}
.hs-progress-bar {
  height: 100%;
  background: var(--gold);
  width: 0%;
}

/* ── Stats bar ── */
.hs-stats-bar {
  background: #fff;
  border-bottom: 1px solid #e5e7eb;
  box-shadow: 0 4px 20px rgba(0,0,0,.07);
}
.hs-stats-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 40px;
  display: flex;
  align-items: stretch;
}
.hs-stat {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 22px 16px;
  gap: 4px;
}
.hs-stat-sep {
  width: 1px;
  background: #e5e7eb;
  margin: 14px 0;
  flex-shrink: 0;
}
.hs-stat-num {
  font-family: 'Poppins', sans-serif;
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}
.hs-stat-lbl {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

/* Mobile */
@media (max-width: 768px) {
  .hs-track  { height: 480px; }
  .hs-inner  { padding: 0 20px; }
  .hs-arrow  { width: 38px; height: 38px; font-size: 0.85rem; }
  .hs-prev   { left: 10px; }
  .hs-next   { right: 10px; }
  .hs-stats-inner { padding: 0 16px; }
  .hs-stat   { padding: 16px 8px; }
  .hs-stat-num { font-size: 1.4rem; }
}
@media (max-width: 480px) {
  .hs-track  { height: 500px; }
  .hs-stats-inner { flex-wrap: wrap; }
  .hs-stat   { flex: 1 1 45%; }
  .hs-stat-sep { display: none; }
}

/* ─── Page Hero (home variant) ─── */
.hero-bg {
  background: linear-gradient(135deg, var(--navy) 0%, #2D3748 50%, #374151 100%);
  position: relative;
  overflow: hidden;
}
.hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&q=80') center/cover no-repeat;
  opacity: 0.08;
}

/* ─── Investment SIP calculator section ─── */
.sip-section {
  background: #fff;
}

.sip-card {
  background: #fff;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 10px 48px rgba(26,32,44,.11);
  border: 1.5px solid #e5e7eb;
}

/* Left: inputs panel */
.sip-inputs {
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  border-right: 1.5px solid #e5e7eb;
}

.sip-row-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.sip-label {
  font-size: 0.9rem;
  font-weight: 600;
  color: #374151;
}

.sip-val {
  font-size: 1rem;
  font-weight: 700;
  color: var(--gold);
}

.sip-range {
  width: 100%;
  height: 6px;
  border-radius: 999px;
  -webkit-appearance: none;
  appearance: none;
  background: #e2e8f0;
  outline: none;
  cursor: pointer;
  display: block;
}
.sip-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid #fff;
  box-shadow: 0 2px 10px rgba(183,28,28,.35);
  cursor: pointer;
}
.sip-range::-moz-range-thumb {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid #fff;
  box-shadow: 0 2px 10px rgba(183,28,28,.35);
  cursor: pointer;
}

.sip-range-ends {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: #94a3b8;
  margin-top: 6px;
}

/* Right: results panel */
.sip-result-panel {
  background: var(--navy);
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 0;
}

.sip-result-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,.55);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
}

.sip-result-value {
  font-size: 3.2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 28px;
}

.sip-result-rows {
  width: 100%;
  margin-bottom: 28px;
}

.sip-result-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  padding: 10px 0;
  color: rgba(255,255,255,.65);
}
.sip-result-row span:last-child {
  font-weight: 700;
  color: #fff;
}

.sip-result-divider {
  height: 1px;
  background: rgba(255,255,255,.1);
}

.sip-invested { color: #fff !important; font-weight: 700; }
.sip-gains    { color: #4ade80 !important; font-weight: 700; }

.sip-cta-btn {
  width: 100%;
  min-height: 50px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 18px;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  box-shadow: 0 10px 28px rgba(183,28,28,.3);
  margin-bottom: 16px;
}

.sip-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,.38);
  line-height: 1.6;
  text-align: center;
}

@media (max-width: 1023px) {
  .sip-inputs { border-right: none; border-bottom: 1.5px solid #e5e7eb; }
}

/* ─── Insurance comparison table ─── */
.ins-compare-section {
  background: #fff;
}

.insurance-compare-wrap {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(26,32,44,.09);
}

.insurance-compare-table {
  border-collapse: collapse;
  width: 100%;
}

.insurance-compare-table th {
  padding: 16px 24px;
  font-size: 0.875rem;
  font-weight: 700;
  text-align: center;
}
.insurance-compare-table th:first-child { text-align: left; }

.insurance-compare-table .insurance-compare-head {
  background: var(--navy);
  color: #fff;
}

.insurance-compare-table tbody tr {
  transition: background .2s ease;
}
.insurance-compare-table tbody tr:nth-child(even) {
  background: #F8FAFC;
}
.insurance-compare-table tbody tr:hover {
  background: #FFF5F5;
}

.insurance-compare-table .compare-cell {
  padding: 14px 24px;
  font-size: 0.875rem;
  color: #374151;
  font-weight: 500;
  vertical-align: middle;
  border-bottom: 1px solid #f1f5f9;
}
.insurance-compare-table tbody tr:last-child .compare-cell {
  border-bottom: none;
}

.insurance-compare-table .tick  { color: #22c55e; font-size: 1.15rem; }
.insurance-compare-table .cross { color: #ef4444; font-size: 1.15rem; }

/* ─── Loan Product Cards ─── */
.loan-card {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 20px;
  padding: 28px;
  box-shadow: 0 4px 20px rgba(26,32,44,.07);
  transition: box-shadow .3s ease, transform .3s ease, border-color .3s ease;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}
.loan-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), #8B1010);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card:hover {
  box-shadow: 0 16px 40px rgba(26,32,44,.12);
  transform: translateY(-6px);
  border-color: rgba(183,28,28,.25);
}
.loan-card-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.2rem;
  color: #fff;
  margin-bottom: 0;
}
.loan-card-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: #1A202C;
  line-height: 1.3;
}
.loan-card-desc {
  font-size: 0.85rem;
  color: #6b7280;
  line-height: 1.65;
  margin-bottom: 14px;
}
.loan-card-features {
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}
.loan-card-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: #374151;
}
.loan-card-features li i {
  color: #22c55e;
  font-size: 0.8rem;
  flex-shrink: 0;
}
.loan-card .btn-gold {
  align-self: flex-start;
  padding: 8px 20px;
  font-size: 0.82rem;
  border-radius: 10px;
}

/* ─── Loan Process Steps ─── */
.lp-steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}

.lp-step {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 18px;
  padding: 28px 16px 26px;
  box-shadow: 0 4px 18px rgba(26,32,44,.07);
  transition: box-shadow .3s ease, transform .3s ease, border-color .3s ease;
}
.lp-step:hover {
  box-shadow: 0 14px 36px rgba(26,32,44,.12);
  transform: translateY(-5px);
  border-color: rgba(183,28,28,.3);
}

/* Icon circle */
.lp-icon-wrap {
  width: 60px; height: 60px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 14px;
  transition: transform .3s ease, box-shadow .3s ease;
}
.lp-step:hover .lp-icon-wrap {
  transform: translateY(-3px);
  box-shadow: 0 10px 24px rgba(0,0,0,.1);
}

.lp-title {
  font-size: 0.9rem;
  font-weight: 700;
  color: #1A202C;
  margin-bottom: 8px;
  line-height: 1.3;
}
.lp-desc {
  font-size: 0.78rem;
  color: #6b7280;
  line-height: 1.65;
}

/* Responsive */
@media (max-width: 1024px) {
  .lp-steps {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }
  .lp-steps::before { display: none; }
}
@media (max-width: 640px) {
  .lp-steps { grid-template-columns: 1fr 1fr; gap: 24px; }
}

/* ─── Loan eligibility & documents section ─── */
.loan-docs-section { background: #fff; }

.loan-panel-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  background: rgba(183,28,28,.1);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.loan-info-panel {
  background: #fff;
  border: 1px solid #e2e8f0;
  border-top: 4px solid var(--gold);
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 8px 32px rgba(26,32,44,.07);
}

/* Eligibility items */
.loan-eligibility-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 16px;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  transition: border-color .22s, box-shadow .22s, transform .22s;
}
.loan-eligibility-item:hover {
  border-color: rgba(183,28,28,.35);
  box-shadow: 0 6px 20px rgba(183,28,28,.08);
  transform: translateX(4px);
}
.loan-elig-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(183,28,28,.1);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 0.85rem;
}
.loan-elig-title {
  font-size: 0.875rem;
  font-weight: 700;
  color: #1A202C;
  margin-bottom: 2px;
}
.loan-elig-desc {
  font-size: 0.8rem;
  color: #6b7280;
  line-height: 1.5;
}

/* Document list — single column */
.loan-doc-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.loan-document-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 14px;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  transition: border-color .22s, background .22s, box-shadow .22s;
}
.loan-document-item:hover {
  border-color: rgba(183,28,28,.3);
  background: #fff5f5;
  box-shadow: 0 3px 12px rgba(183,28,28,.07);
}
.loan-doc-icon {
  width: 32px; height: 32px;
  border-radius: 8px;
  background: rgba(183,28,28,.1);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 0.78rem;
}
.loan-doc-name {
  flex: 1;
  font-size: 0.855rem;
  font-weight: 500;
  color: #374151;
  white-space: nowrap;
}
.loan-doc-check {
  font-size: 0.7rem;
  color: #d1d5db;
  flex-shrink: 0;
  transition: color .2s;
}
.loan-document-item:hover .loan-doc-check {
  color: var(--gold);
}

@media (max-width: 640px) {
  .loan-info-panel { padding: 22px 18px; }
}

/* ─── Services: What We Offer section ─── */
.services-offer-section {
  background: #fff;
}

.service-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 20px;
  padding: 28px;
  box-shadow: 0 4px 20px rgba(26,32,44,.07);
  position: relative;
  overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), #8B1010);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover {
  transform: translateY(-6px);
  border-color: rgba(183,28,28,.25);
  box-shadow: 0 16px 40px rgba(26,32,44,.12);
}

.service-icon-lg {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-bottom: 20px;
  box-shadow: 0 8px 20px rgba(26,32,44,.16);
}

.service-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: #1A202C;
  margin-bottom: 10px;
  line-height: 1.35;
}

.service-card p {
  font-size: 0.85rem;
  color: #6b7280;
  line-height: 1.7;
  flex: 1;
  margin-bottom: 18px;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--gold);
  margin-top: auto;
}
.service-link i { transition: transform .2s ease; }
.service-link:hover i { transform: translateX(4px); }

/* ─── Services: How We Work section ─── */
.how-work-section {
  background: #fff;
}

.how-work-card {
  background: #ffffff;
  border: 1px solid #e4ebf7;
  border-radius: 18px;
  padding: 24px 20px;
  text-align: center;
  box-shadow: 0 8px 24px rgba(26,32,44,.06);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.how-work-card:hover {
  transform: translateY(-5px);
  border-color: #c5d8f7;
  box-shadow: 0 16px 34px rgba(26,32,44,.12);
}

.how-work-badge {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  color: #fff;
  font-weight: 700;
  letter-spacing: 0.04em;
  box-shadow: 0 8px 20px rgba(26,32,44,.2);
}

/* ─── About: Mission, Vision & Values section ─── */
.about-values-section {
  background: #fff;
}

.about-values-grid .value-card {
  height: 100%;
}

.value-card {
  background: #ffffff;
  border: 1px solid #e5ecf8;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.value-card:hover {
  transform: translateY(-5px);
  border-color: #c5d8f7;
  box-shadow: 0 14px 32px rgba(26,32,44,.1);
}

.value-card ul li {
  align-items: flex-start;
  line-height: 1.5;
}

/* ─── About: Team cards ─── */
.team-card {
  border: 1px solid #e5ecf8;
  transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}

.team-card:hover {
  transform: translateY(-6px);
  border-color: #c5d8f7;
  box-shadow: 0 16px 34px rgba(26,32,44,.14);
}

.team-media {
  overflow: hidden;
  position: relative;
}

.team-media img {
  transition: transform .4s ease;
}

.team-card:hover .team-media img {
  transform: scale(1.04);
}

.team-social-wrap {
  position: absolute;
  top: 12px;
  right: 12px;
}

.team-social-link {
  width: 34px;
  height: 34px;
  border-radius: 11px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  background: #0a66c2;
  border: 1px solid rgba(255,255,255,.85);
  box-shadow: 0 8px 18px rgba(10,102,194,.35);
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}

.team-social-link:hover {
  background: #0858a6;
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 12px 24px rgba(10,102,194,.42);
}

.team-card-body {
  background: linear-gradient(180deg, #ffffff 0%, #f9fbff 100%);
}

/* ─── About: Journey timeline ─── */
.journey-section {
  background: #fff;
}

.journey-timeline {
  position: relative;
}

.journey-timeline::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: -12px;
  width: 2px;
  background: linear-gradient(180deg, rgba(183,28,28,.4), rgba(26,32,44,.35));
}

.journey-item {
  position: relative;
}

.journey-dot {
  position: absolute;
  left: -31px;
  top: 22px;
  width: 14px;
  height: 14px;
  border-radius: 999px;
  border: 3px solid #fff;
  box-shadow: 0 3px 10px rgba(26,32,44,.22);
  z-index: 1;
}

.journey-card {
  border: 1px solid #e5ecf8;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.journey-card:hover {
  transform: translateY(-3px);
  border-color: #c5d8f7;
  box-shadow: 0 14px 30px rgba(26,32,44,.1);
}

@media (max-width: 640px) {
  .journey-timeline { padding-left: 20px; }
  .journey-timeline::before { left: 0; }
  .journey-dot { left: -7px; }
}

/* ─── Misc helpers ─── */
.trust-badge {
  background: white;
  border-radius: 12px;
  box-shadow: 0 4px 16px rgba(0,0,0,.07);
}

.contact-card {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 20px;
  box-shadow: 0 4px 20px rgba(26,32,44,.07);
  padding: 32px 20px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 10px;
  position: relative;
  overflow: hidden;
  transition: box-shadow .3s ease, transform .3s ease, border-color .3s ease;
}
.contact-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), #8B1010);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.contact-card:hover::before { transform: scaleX(1); }
.contact-card:hover {
  box-shadow: 0 16px 40px rgba(26,32,44,.12);
  transform: translateY(-6px);
  border-color: rgba(183,28,28,.22);
}

.contact-icon {
  width: 60px; height: 60px;
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: #fff;
  margin-bottom: 6px;
  box-shadow: 0 8px 20px rgba(26,32,44,.18);
}
.ci-red   { background: linear-gradient(135deg, var(--gold), var(--navy)); }
.ci-green { background: linear-gradient(135deg, #25D366, #128C7E); }
.ci-gold  { background: linear-gradient(135deg, #F5B301, #d49a01); }

.contact-label {
  font-size: 0.72rem;
  font-weight: 700;
  color: #94a3b8;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.contact-value {
  font-size: 0.95rem;
  font-weight: 700;
  color: #1A202C;
  line-height: 1.4;
}
.contact-value-red   { color: var(--gold); }
.contact-value-green { color: #16a34a; }
.contact-email       { font-size: 0.82rem; }
.contact-sub {
  font-size: 0.78rem;
  color: #94a3b8;
}

.hours-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid #f1f5f9;
  font-size: 0.875rem;
}
.hours-row:last-child { border-bottom: none; }

.map-placeholder {
  background: linear-gradient(135deg, #ffe8ea, #ffd0d4);
  border-radius: 16px;
  height: 320px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  border: 2px dashed #f0a0ac;
}

/* ─── Insurance: Claim Support section ─── */
.claim-section { background: #fff; }
.claim-lead { font-size: 0.95rem; }

.claim-items {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.claim-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 16px;
  padding: 18px 20px;
  box-shadow: 0 2px 12px rgba(26,32,44,.06);
  transition: box-shadow .25s ease, transform .25s ease, border-color .25s ease;
}
.claim-item:hover {
  transform: translateX(4px);
  border-color: rgba(183,28,28,.25);
  box-shadow: 0 6px 20px rgba(26,32,44,.1);
}

.claim-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  background: rgba(183,28,28,.08);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.claim-title {
  font-size: 0.9rem;
  font-weight: 700;
  color: #1A202C;
  margin-bottom: 4px;
}

.claim-desc {
  font-size: 0.83rem;
  color: #6b7280;
  line-height: 1.65;
}

.claim-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: 24px;
  box-shadow: 0 20px 56px rgba(26,32,44,.14);
}

/* ─── Insurance cards ─── */
.ins-card {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 20px;
  padding: 28px;
  box-shadow: 0 4px 20px rgba(26,32,44,.07);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.ins-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), #8B1010);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.ins-card:hover::before { transform: scaleX(1); }
.ins-card:hover {
  transform: translateY(-6px);
  border-color: rgba(183,28,28,.25);
  box-shadow: 0 18px 42px rgba(26,32,44,.12);
}

.ins-icon {
  width: 56px; height: 56px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: #fff;
  flex-shrink: 0;
  margin-bottom: 18px;
  box-shadow: 0 8px 20px rgba(26,32,44,.16);
}

.ins-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: #1A202C;
  margin-bottom: 10px;
  line-height: 1.35;
}

.ins-desc {
  font-size: 0.85rem;
  color: #6b7280;
  line-height: 1.7;
  margin-bottom: 14px;
  flex: 1;
}

.ins-features {
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.ins-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: #374151;
}
.ins-features li i {
  color: #22c55e;
  font-size: 0.8rem;
  flex-shrink: 0;
}

.ins-btn {
  align-self: flex-start;
  padding: 9px 28px;
  font-size: 0.85rem;
  border-radius: 10px;
}

/* ─── Responsive utility ─── */
@media (max-width: 640px) {
  .page-hero { padding: 60px 0; }
}

/* ═══════════════════════════════════════════════════
   CONTACT FORM CARD
   ═══════════════════════════════════════════════════ */

.cform-card {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 24px;
  padding: 40px;
  box-shadow: 0 8px 36px rgba(26,32,44,.09);
}

.cform-header {
  margin-bottom: 28px;
}

.cform-title {
  font-size: 1.7rem;
  font-weight: 800;
  color: #1A202C;
  line-height: 1.2;
  margin-bottom: 8px;
}

.cform-sub {
  font-size: 0.88rem;
  color: #6b7280;
  line-height: 1.65;
}

.cform-body {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.cform-success-icon {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), #8B1010);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 12px 32px rgba(183,28,28,.3);
}

.cfield-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: #374151;
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}

.cfield-req {
  color: var(--gold);
  margin-left: 2px;
}

.cfield-err {
  font-size: 0.76rem;
  color: #dc2626;
  margin-top: 4px;
  display: flex;
  align-items: center;
  gap: 4px;
}

.cfield-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 14px 16px;
  background: #fafafa;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
}

.cfield-checkbox {
  width: 16px; height: 16px;
  accent-color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
  cursor: pointer;
}

.cfield-consent-text {
  font-size: 0.8rem;
  color: #6b7280;
  line-height: 1.6;
  cursor: pointer;
}

.cform-submit {
  width: 100%;
  min-height: 52px;
  font-size: 0.96rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  box-shadow: 0 8px 24px rgba(183,28,28,.28);
  margin-top: 4px;
}

@media (max-width: 640px) {
  .cform-card { padding: 24px 18px; }
  .cform-title { font-size: 1.35rem; }
}

/* ═══════════════════════════════════════════════════
   CONTACT SIDEBAR INFO CARDS
   ═══════════════════════════════════════════════════ */

.cinfo-card {
  background: #fff;
  border: 1.5px solid #e5e7eb;
  border-radius: 20px;
  padding: 24px 26px;
  box-shadow: 0 4px 22px rgba(26,32,44,.08);
  transition: box-shadow .3s ease, border-color .3s ease;
}
.cinfo-card:hover {
  box-shadow: 0 10px 36px rgba(26,32,44,.12);
  border-color: rgba(183,28,28,.2);
}

.cinfo-card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
  padding-bottom: 16px;
  border-bottom: 1px solid #f1f5f9;
}

.cinfo-icon {
  width: 48px; height: 48px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: #fff;
  flex-shrink: 0;
  box-shadow: 0 6px 18px rgba(26,32,44,.18);
}
.cinfo-icon i {
  display: block;
  line-height: 1;
}

.cinfo-title {
  font-size: 1rem;
  font-weight: 700;
  color: #1A202C;
  line-height: 1.3;
}

.cinfo-rows {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.cinfo-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.cinfo-row-icon {
  width: 36px; height: 36px;
  border-radius: 10px;
  background: rgba(26,32,44,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.92rem;
  color: #1A202C;
}
.cinfo-row-icon i {
  display: block;
  line-height: 1;
}

.cinfo-row-label {
  font-size: 0.73rem;
  font-weight: 600;
  color: #94a3b8;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 2px;
}

.cinfo-row-val {
  font-size: 0.875rem;
  color: #374151;
  line-height: 1.5;
  font-weight: 500;
}

.cinfo-link {
  font-size: 0.875rem;
  color: var(--gold);
  font-weight: 600;
  transition: color .2s;
}
.cinfo-link:hover { color: var(--gold-dark); text-decoration: underline; }

/* Business hours */
.chours {
  display: flex;
  flex-direction: column;
}

.hours-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  border-bottom: 1px solid #f1f5f9;
  font-size: 0.85rem;
  color: #374151;
}
.hours-row:last-child { border-bottom: none; }
.hours-row span:first-child { font-weight: 500; color: #4b5563; }

.hours-open    { font-weight: 700; color: #16a34a; font-size: 0.82rem; }
.hours-closed  { font-weight: 700; color: #dc2626; font-size: 0.82rem; }
.hours-limited { font-weight: 700; color: #d97706; font-size: 0.82rem; }

.chours-wa {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  padding: 10px 14px;
  background: rgba(37,211,102,.07);
  border: 1px solid rgba(37,211,102,.2);
  border-radius: 10px;
  font-size: 0.8rem;
  color: #15803d;
  font-weight: 500;
}

.chours-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: #25D366;
  flex-shrink: 0;
  box-shadow: 0 0 0 2px rgba(37,211,102,.25);
}

/* Social buttons */
.csocial {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.csocial-btn {
  width: 42px; height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 0.95rem;
  transition: transform .2s ease, box-shadow .2s ease, filter .2s ease;
  box-shadow: 0 4px 14px rgba(0,0,0,.14);
}
.csocial-btn:hover {
  transform: translateY(-3px) scale(1.06);
  box-shadow: 0 8px 22px rgba(0,0,0,.2);
  filter: brightness(1.1);
}
.csocial-fb { background: #1877F2; }
.csocial-ig { background: linear-gradient(135deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888); }
.csocial-li { background: #0A66C2; }
.csocial-wa { background: #25D366; }
.csocial-tg { background: #2CA5E0; }

/* cinfo-icon gradient variants */
.cinfo-icon-navy { background: linear-gradient(135deg,#1A202C,#B71C1C); }
.cinfo-icon-gold { background: linear-gradient(135deg,#F5B301,#d49a01); }

/* ═══════════════════════════════════════════════════
   CTA BANNER SECTION
   ═══════════════════════════════════════════════════ */

.cta-section {
  background: #fff;
  padding: 40px 0;
}

.cta-card {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #1A202C 0%, #2a3444 55%, #1e2c3d 100%);
  border-radius: 28px;
  display: flex;
  justify-content: center;
  box-shadow: 0 24px 64px rgba(26,32,44,.28);
}

/* Decorative blobs */
.cta-blob {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.cta-blob-1 {
  width: 380px; height: 380px;
  background: rgba(183,28,28,.14);
  top: -120px; left: -100px;
}
.cta-blob-2 {
  width: 260px; height: 260px;
  background: rgba(183,28,28,.08);
  bottom: -80px; left: 220px;
}

/* LEFT column */
.cta-left {
  width: 100%;
  padding: 44px 64px;
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.cta-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
  margin-bottom: 20px;
}
.cta-eyebrow-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

.cta-heading {
  font-size: clamp(1.2rem, 3.2vw, 2.6rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 18px;
  letter-spacing: -0.02em;
  width: 100%;
  white-space: nowrap;
}
.cta-heading-accent { color: var(--gold); }

.cta-body {
  font-size: 0.92rem;
  color: rgba(255,255,255,.6);
  line-height: 1.75;
  margin-bottom: 32px;
  width: 100%;
}

.cta-btns {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  width: 100%;
}

.cta-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 32px;
  border-radius: 12px;
  background: var(--gold);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  transition: background .25s, transform .25s, box-shadow .25s;
  box-shadow: 0 8px 24px rgba(183,28,28,.35);
}
.cta-btn-primary:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(183,28,28,.45);
}

.cta-btn-wa {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: 12px;
  background: #25D366;
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  transition: background .25s, transform .25s, box-shadow .25s;
  box-shadow: 0 8px 24px rgba(37,211,102,.3);
}
.cta-btn-wa:hover {
  background: #1ebe5a;
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(37,211,102,.4);
}

.cta-btn-call {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: 12px;
  border: 2px solid rgba(255,255,255,.3);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  transition: background .25s, border-color .25s, transform .25s;
}
.cta-btn-call:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.55);
  transform: translateY(-2px);
}

/* RIGHT column */
.cta-right {
  padding: 50px 48px 50px 44px;
  background: rgba(255,255,255,.04);
  border-left: 1px solid rgba(255,255,255,.08);
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 14px;
  position: relative;
  z-index: 1;
}

.cta-contact-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 18px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: 16px;
  transition: background .25s, border-color .25s, transform .25s;
  cursor: pointer;
  text-decoration: none;
  color: inherit;
}
.cta-contact-row:hover {
  background: rgba(255,255,255,.11);
  border-color: rgba(255,255,255,.2);
  transform: translateX(4px);
}

.cta-contact-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.05rem;
  color: #fff;
  flex-shrink: 0;
}
.cta-ci-wa    { background: #25D366; box-shadow: 0 6px 16px rgba(37,211,102,.3); }
.cta-ci-phone { background: var(--gold); box-shadow: 0 6px 16px rgba(183,28,28,.3); }
.cta-ci-mail  { background: #0A66C2; box-shadow: 0 6px 16px rgba(10,102,194,.3); }

.cta-contact-info {
  display: flex;
  flex-direction: column;
  flex: 1;
  gap: 2px;
}
.cta-contact-label {
  font-size: 0.7rem;
  font-weight: 600;
  color: rgba(255,255,255,.4);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
.cta-contact-val {
  font-size: 0.9rem;
  font-weight: 600;
  color: #fff;
}

.cta-contact-arrow {
  font-size: 0.75rem;
  color: rgba(255,255,255,.25);
  flex-shrink: 0;
  transition: color .2s, transform .2s;
}
.cta-contact-row:hover .cta-contact-arrow {
  color: rgba(255,255,255,.6);
  transform: translateX(3px);
}

.cta-response {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  background: rgba(255,255,255,.05);
  border-radius: 10px;
  font-size: 0.78rem;
  color: rgba(255,255,255,.45);
  margin-top: 4px;
}
.cta-response i { color: rgba(255,255,255,.3); font-size: 0.75rem; }
.cta-response strong { color: rgba(255,255,255,.75); font-weight: 600; }

@media (max-width: 900px) {
  .cta-card { grid-template-columns: 1fr; }
  .cta-right { border-left: none; border-top: 1px solid rgba(255,255,255,.08); padding: 40px 36px; }
  .cta-left  { padding: 48px 36px 36px; }
}
@media (max-width: 480px) {
  .cta-left  { padding: 36px 24px 28px; }
  .cta-right { padding: 28px 24px 36px; }
  .cta-heading { font-size: 1.7rem; }
}