/* ==========================================================================
   Balaji Finserve — Clean Fintech Design System
   Light, airy, generous whitespace, soft gradients, refined SVG icons.
   Brand: navy (#1f2d59) + gold (#c8a24a). Swap --brand-* / --gold-* to rebrand.
   ========================================================================== */

:root {
  --navy-900: #101a36;
  --navy-800: #16264d;
  --navy-700: #1f2d59;   /* logo navy — primary */
  --navy-600: #2d3f73;
  --navy-500: #3f5493;
  --navy-100: #eaeef7;

  --gold-600: #b98c33;
  --gold-500: #c8a24a;   /* accent */
  --gold-400: #e0c072;
  --gold-50:  #fbf6ea;

  --ink-900: #0f1729;
  --ink-700: #3b455c;
  --ink-500: #6b7688;
  --ink-300: #c9d0dc;
  --ink-200: #e4e9f1;
  --ink-100: #f1f4f9;
  --surface: #ffffff;
  --bg: #f7f9fc;

  --radius: 18px;
  --radius-lg: 26px;
  --radius-sm: 12px;
  --shadow-xs: 0 1px 2px rgba(16,26,54,.06);
  --shadow-sm: 0 4px 16px rgba(16,26,54,.06);
  --shadow-md: 0 14px 40px rgba(16,26,54,.10);
  --shadow-lg: 0 30px 70px rgba(16,26,54,.16);
  --ring: 0 0 0 4px rgba(63,84,147,.14);
  --maxw: 1200px;
  --ease: .28s cubic-bezier(.22,.61,.36,1);

  --font-head: "Sora", "Poppins", "Segoe UI", system-ui, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--ink-700);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1,h2,h3,h4 { font-family: var(--font-head); color: var(--ink-900); line-height: 1.15; font-weight: 700; letter-spacing: -.02em; }
ul { list-style: none; }
svg { display: block; }
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
section { position: relative; }

/* Reusable icon */
.ic { width: 24px; height: 24px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* Eyebrow / section heads */
.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-head); font-weight: 600; font-size: .78rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold-600);
}
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--gold-500); border-radius: 2px; }
.section-head { max-width: 680px; margin: 0 auto 1.7rem; text-align: center; }
.section-head .eyebrow { justify-content: center; margin-bottom: .7rem; }
.section-head h2 { font-size: clamp(1.8rem, 3.2vw, 2.7rem); margin-bottom: .6rem; position: relative; }
.section-head h2::after { content:""; position:absolute; left:50%; bottom:-.55rem; transform: translateX(-50%) scaleX(0);
  width: 56px; height: 3px; border-radius: 2px; background: linear-gradient(90deg, var(--gold-500), var(--gold-400));
  transition: transform .6s var(--ease) .12s; transform-origin: center; }
.section-head.in h2::after, .section-head:not(.reveal) h2::after { transform: translateX(-50%) scaleX(1); }
.section-head p { color: var(--ink-500); font-size: 1.03rem; margin-top: .3rem; }
.section { padding: 2.9rem 0; }
.section.tight { padding: 1.8rem 0; }
.section.soft { background: var(--surface); }
.section.navy { background: var(--navy-800); color: rgba(255,255,255,.85); }
.section.navy h2, .section.navy h3 { color: #fff; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: .55rem; font-family: var(--font-head);
  font-weight: 600; font-size: .95rem; padding: .85rem 1.7rem; border-radius: 999px;
  border: 1.6px solid transparent; cursor: pointer; transition: var(--ease); white-space: nowrap; }
.btn .ic { width: 18px; height: 18px; }
.btn-primary { background: var(--gold-500); color: var(--navy-900); box-shadow: 0 8px 20px rgba(200,162,74,.35); }
.btn-primary:hover { background: var(--gold-400); transform: translateY(-2px); box-shadow: 0 12px 26px rgba(200,162,74,.45); }
.btn-navy { background: var(--navy-700); color: #fff; }
.btn-navy:hover { background: var(--navy-600); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-outline { background: transparent; color: var(--navy-700); border-color: var(--ink-300); }
.btn-outline:hover { border-color: var(--navy-700); background: var(--navy-100); }
.btn-light { background: rgba(255,255,255,.14); color: #fff; border-color: rgba(255,255,255,.35); }
.btn-light:hover { background: rgba(255,255,255,.22); }
.btn-lg { padding: 1rem 2rem; font-size: 1rem; }

/* ============================ Header ============================ */
/* Reserve space before JS injects the chrome, so nothing jumps on load */
header[data-header] { display:block; min-height: 110px; background: var(--navy-800); }
.site-header { position: relative; z-index: 100; }

/* Top utility bar (scrolls away) */
.topbar { background: var(--navy-800); color: rgba(255,255,255,.82); font-size: .8rem; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; height: 38px; }
.topbar .tb-left, .topbar .tb-right { display: flex; align-items: center; gap: .4rem 1.3rem; min-width: 0; }
.topbar .tb-item { display: inline-flex; align-items: center; gap: .4rem; white-space: nowrap; transition: color var(--ease); }
.topbar a.tb-item:hover { color: var(--gold-400); }
.topbar .tb-item.tb-phone + .tb-phone { margin-left: -.7rem; }
.topbar .ic { width: 15px; height: 15px; color: var(--gold-400); flex-shrink: 0; }
.topbar .tb-left .tb-item:first-child { overflow: hidden; text-overflow: ellipsis; }
.topbar .tb-social { display: flex; align-items: center; gap: .35rem; padding-left: .6rem; border-left: 1px solid rgba(255,255,255,.18); }
.topbar .tb-social a { width: 32px; height: 32px; display: grid; place-items: center; border-radius: 8px; transition: var(--ease); }
.topbar .tb-social a .ic { width: 19px; height: 19px; color: rgba(255,255,255,.9); }
.topbar .tb-social a:hover { background: var(--gold-500); }
.topbar .tb-social a:hover .ic { color: var(--navy-900); }

/* Sticky nav bar */
.navbar { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.9);
  backdrop-filter: blur(14px); border-bottom: 1px solid var(--ink-200); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: .6rem; }
.brand img { height: 60px; width: auto; }
.brand-fallback { display: flex; align-items: center; gap: .5rem; font-family: var(--font-head); font-weight: 700; font-size: 1.2rem; color: var(--navy-700); }
.brand-fallback .mk { width: 40px; height: 40px; border-radius: 11px; background: linear-gradient(135deg,var(--navy-700),var(--navy-500)); color:#fff; display:grid; place-items:center; }
.brand-fallback span { color: var(--gold-600); }
.nav-links { display: flex; align-items: center; gap: .25rem; }
.nav-links a { font-family: var(--font-head); font-weight: 500; font-size: .93rem; color: var(--ink-700);
  padding: .55rem .9rem; border-radius: 10px; transition: var(--ease); }
.nav-links a:hover { color: var(--navy-700); background: var(--ink-100); }
.nav-links a.active { color: var(--navy-700); }
.nav-links a.active::after { content:""; display:block; height:2px; background:var(--gold-500); border-radius:2px; margin-top:3px; }
.nav-right { display: flex; align-items: center; gap: 1rem; }
.nav-phone { display:flex; align-items:center; gap:.45rem; font-family: var(--font-head); font-weight:600; font-size:.9rem; color: var(--navy-700); }
.nav-phone .nums { display:flex; flex-direction:column; line-height:1.3; font-size:.8rem; }
.nav-phone .nums a:hover { color: var(--gold-600); }
.nav-phone .ic { width:18px; height:18px; color: var(--gold-600); }
.nav-toggle { display:none; background:none; border:none; cursor:pointer; padding:.4rem; color: var(--navy-700); }

/* Apply Now — smaller + continuous flash */
.nav .apply-flash { padding: .5rem 1.15rem; font-size: .85rem; position: relative; overflow: hidden; }
.nav .apply-flash::before { content:""; position:absolute; top:0; left:-125%; width:48%; height:100%;
  transform: skewX(-22deg); background: linear-gradient(90deg, transparent, rgba(255,255,255,.7), transparent);
  animation: applyFlash 3s ease-in-out infinite; pointer-events:none; }
@keyframes applyFlash { 0% { left:-125%; } 55%,100% { left:165%; } }

/* ============================ Hero (Home) ============================ */
.hero { padding: 3rem 0 3.5rem; background:
  radial-gradient(1000px 500px at 85% -10%, rgba(200,162,74,.12), transparent 60%),
  radial-gradient(800px 500px at 0% 110%, rgba(63,84,147,.10), transparent 55%),
  var(--bg); }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 3.5rem; align-items: center; }
.hero-rotator { display: grid; }
.hero-slide { grid-column: 1; grid-row: 1; opacity: 0; visibility: hidden; pointer-events: none;
  transform: translateY(12px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.hero-slide.active { opacity: 1; visibility: visible; pointer-events: auto; transform: none; }
.hero-badge { display:inline-flex; align-items:center; gap:.5rem; background: var(--surface); border:1px solid var(--ink-200);
  box-shadow: var(--shadow-xs); padding:.45rem .9rem; border-radius:999px; font-size:.82rem; font-weight:600; color: var(--ink-700); margin-bottom:1.3rem; }
.hero-badge .star { color: var(--gold-500); }
.hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.5rem); margin-bottom: 1.1rem; color: var(--navy-900); }
.hero h1 .grad { background: linear-gradient(100deg, var(--gold-600), var(--gold-400)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.hero p.lead { font-size: 1.12rem; color: var(--ink-500); max-width: 520px; margin-bottom: 1.9rem; }
.hero-actions { display: flex; gap: .9rem; flex-wrap: wrap; }
.hero-strip { display:flex; gap: 2.2rem; margin-top: 2.4rem; flex-wrap: wrap; }
.hero-strip .item strong { display:block; font-family:var(--font-head); font-size:1.7rem; color:var(--navy-800); }
.hero-strip .item span { font-size:.82rem; color: var(--ink-500); }
.hero-dots { display:flex; gap:.5rem; margin-top: 2rem; }
.hero-dots button { width:10px; height:10px; border-radius:50%; border:0; background: var(--ink-300); cursor:pointer; transition: var(--ease); padding:0; }
.hero-dots button.active { background: var(--gold-500); width: 28px; border-radius:5px; }

/* Quote form card */
.quote-card { background: var(--surface); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 2rem; border:1px solid var(--ink-200); position: relative; }
.quote-card::before { content:""; position:absolute; inset:0; border-radius: var(--radius-lg); padding:1px;
  background: linear-gradient(160deg, rgba(200,162,74,.5), transparent 40%); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); -webkit-mask-composite: xor; mask-composite: exclude; pointer-events:none; }
.quote-card h3 { font-size: 1.3rem; margin-bottom: .2rem; }
.quote-card .muted { color: var(--ink-500); font-size: .9rem; margin-bottom: 1.2rem; }

/* Forms */
.field { margin-bottom: .9rem; }
.field label { display:block; font-family:var(--font-head); font-weight:600; font-size:.8rem; color:var(--ink-700); margin-bottom:.35rem; }
.field input, .field select, .field textarea { width:100%; padding:.8rem .95rem; border:1.6px solid var(--ink-200);
  border-radius: var(--radius-sm); font-family:var(--font-body); font-size:.93rem; color: var(--ink-900); background: var(--surface); transition: var(--ease); }
.field input::placeholder, .field textarea::placeholder { color: var(--ink-300); }
.field input:focus, .field select:focus, .field textarea:focus { outline:none; border-color: var(--navy-500); box-shadow: var(--ring); }
.field-row { display:grid; grid-template-columns:1fr 1fr; gap:.9rem; }
form .btn { width:100%; justify-content:center; margin-top:.6rem; }
.form-note { display:none; margin-top:.9rem; padding:.8rem 1rem; border-radius: var(--radius-sm); font-size:.88rem; }
.form-note.ok { display:block; background: rgba(22,163,74,.1); color:#15803d; border:1px solid rgba(22,163,74,.25); }

/* ============================ Banner hero (moving live banners) ============================ */
.banner-hero { position: relative; overflow: hidden; background: var(--navy-900); }
.banner-track { display: flex; will-change: transform; transition: transform .8s cubic-bezier(.6,0,.2,1); }
.banner-slide { position: relative; min-width: 100%; height: clamp(480px, 74vh, 660px); overflow: hidden; display: grid; align-items: center; }
.banner-slide.s1 { background: linear-gradient(115deg, #0d1a3a 0%, #23346a 100%); }
.banner-slide.s2 { background: linear-gradient(115deg, #101f3f 0%, #2a2f66 100%); }
.banner-slide.s3 { background: linear-gradient(115deg, #0c1936 0%, #1f3a63 100%); }
.banner-slide .bg { position: absolute; inset: 0; background-size: cover; background-position: center; transform: scale(1.12); }
.banner-slide.active .bg { animation: kenburns 8s ease-out forwards; }
@keyframes kenburns { from { transform: scale(1.12); } to { transform: scale(1); } }
.banner-slide .veil { position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(9,16,36,.9) 0%, rgba(9,16,36,.66) 45%, rgba(9,16,36,.22) 100%); }
.banner-hero::before { content:""; position:absolute; z-index:1; width:460px; height:460px; right:-130px; top:-150px;
  border-radius:50%; background: radial-gradient(circle, rgba(200,162,74,.28), transparent 66%); pointer-events:none; }
.banner-hero::after { content:""; position:absolute; z-index:1; width:380px; height:380px; left:-120px; bottom:-160px;
  border-radius:50%; background: radial-gradient(circle, rgba(63,84,147,.4), transparent 66%); pointer-events:none; }
.banner-content { position: relative; z-index: 2; color: #fff; padding: 2rem 0;
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 2rem; align-items: center; }
.bc-text { min-width: 0; }

/* Right-side visual: glowing emblem + floating cards */
.bc-visual { position: relative; height: 360px; display: grid; place-items: center; }
.emblem { position: relative; width: 244px; height: 244px; border-radius: 50%; display: grid; place-items: center;
  background: radial-gradient(circle at 50% 40%, rgba(200,162,74,.3), rgba(255,255,255,.05) 70%);
  border: 1.5px solid rgba(255,255,255,.28); box-shadow: inset 0 0 50px rgba(200,162,74,.25); }
.emblem::before { content:""; position:absolute; inset:-20px; border-radius:50%; border:1.5px dashed rgba(200,162,74,.5);
  animation: spin 26s linear infinite; }
.emblem::after { content:""; position:absolute; inset:14px; border-radius:50%; border:1px solid rgba(255,255,255,.14); }
.emblem .ic { width: 116px; height: 116px; color: var(--gold-400); stroke-width: 1.3; }
@keyframes spin { to { transform: rotate(360deg); } }

.float-card { position: absolute; z-index: 3; display: flex; align-items: center; gap: .5rem;
  background: rgba(255,255,255,.14); backdrop-filter: blur(9px); border: 1px solid rgba(255,255,255,.24);
  border-radius: 13px; padding: .55rem .85rem; color: #fff; font-family: var(--font-head); font-weight: 600;
  font-size: .82rem; box-shadow: var(--shadow-md); animation: floaty 5s ease-in-out infinite; white-space: nowrap; }
.float-card .ic { width: 17px; height: 17px; color: var(--gold-400); }
.fc1 { top: 4%; left: -6%; }
.fc2 { bottom: 8%; left: 4%; animation-delay: 1.2s; }
.fc3 { top: 26%; right: -6%; animation-delay: .6s; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-11px); } }
.banner-content .hero-badge { background: rgba(255,255,255,.13); border-color: rgba(255,255,255,.28); color: #fff; box-shadow: none; }
.banner-content .hero-badge .star { color: var(--gold-400); }
.banner-content h1 { color: #fff; font-size: clamp(2.2rem, 5vw, 3.6rem); max-width: 660px; margin-bottom: 1.05rem; }
.banner-content .lead { color: rgba(255,255,255,.9); max-width: 540px; font-size: 1.12rem; margin-bottom: 1.8rem; }
.banner-content .hero-actions { display: flex; gap: .9rem; flex-wrap: wrap; }

.banner-arrow { position: absolute; top: 50%; transform: translateY(-50%); z-index: 4; width: 48px; height: 48px;
  border-radius: 50%; border: 0; cursor: pointer; background: rgba(255,255,255,.16); color: #fff; font-size: 1.5rem;
  line-height: 1; backdrop-filter: blur(6px); transition: var(--ease); display: grid; place-items: center; }
.banner-arrow:hover { background: var(--gold-500); color: var(--navy-900); }
.banner-arrow.prev { left: 20px; }
.banner-arrow.next { right: 20px; }
.banner-dots { position: absolute; bottom: 22px; left: 50%; transform: translateX(-50%); z-index: 4; display: flex; gap: .5rem; }
.banner-dots button { width: 11px; height: 11px; border-radius: 50%; border: 0; background: rgba(255,255,255,.45); cursor: pointer; transition: var(--ease); padding: 0; }
.banner-dots button.active { background: var(--gold-500); width: 30px; border-radius: 6px; }

/* Home hero banner (single image) */
.home-banner { width: 100%; line-height: 0; background: var(--navy-900); }
.home-banner img { width: 100%; height: auto; display: block; }

/* Loan finder strip */
.finder-wrap { position: relative; z-index: 6; margin-top: 1.6rem; }
.finder-card { background: var(--surface); border: 1px solid var(--ink-200); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 1.5rem 1.7rem; display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem 1.1rem; align-items: end; }
.finder-card .btn { grid-column: 1 / -1; justify-self: center; min-width: 240px; margin-top: .3rem; white-space: nowrap; }
.finder-card .finder-head { grid-column: 1 / -1; display: flex; align-items: center; gap: .5rem;
  font-family: var(--font-head); font-weight: 600; color: var(--navy-700); font-size: .98rem; margin-bottom: .2rem; }
.finder-card .finder-head .ic { width: 20px; height: 20px; color: var(--gold-600); }
.finder-card .field { margin: 0; }
.finder-card .btn { height: 48px; }
.finder-card .form-note { grid-column: 1 / -1; margin-top: .2rem; }
.trust-strip { display: flex; gap: 2.6rem; justify-content: center; flex-wrap: wrap; padding: 1.8rem 0 .5rem; }
.trust-strip .item { text-align: center; }
.trust-strip .item strong { display: block; font-family: var(--font-head); font-size: 1.6rem; color: var(--navy-800); }
.trust-strip .item span { font-size: .82rem; color: var(--ink-500); }

@media (max-width: 980px) {
  .banner-content { grid-template-columns: 1fr; }
  .bc-visual { display: none; }
}
@media (max-width: 860px) {
  .finder-card { grid-template-columns: 1fr 1fr; }
  .finder-card .btn { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  .banner-arrow { display: none; }
  .finder-wrap { margin-top: 1rem; }
  .finder-card { grid-template-columns: 1fr; }
  .trust-strip { gap: 1.2rem 1.6rem; }
  .banner-slide { height: auto; min-height: 380px; padding: 1.5rem 0; }
  .banner-content h1 { font-size: clamp(1.8rem, 8vw, 2.3rem); }
  .banner-content .lead { font-size: 1rem; }
  .banner-content .hero-actions .btn { flex: 1 1 auto; justify-content: center; }
  .section-head h2 { font-size: clamp(1.55rem, 6.5vw, 2rem); }
}

/* ============================ Feature cards ============================ */
.grid-3 { display:grid; grid-template-columns: repeat(3,1fr); gap: 1.2rem; }
.grid-2 { display:grid; grid-template-columns: repeat(2,1fr); gap: 1.2rem; }
.grid-4 { display:grid; grid-template-columns: repeat(4,1fr); gap: 1.1rem; }
.card { background: var(--surface); border:1px solid var(--ink-200); border-radius: var(--radius); padding: 1.9rem; box-shadow: var(--shadow-xs); transition: var(--ease); }
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: transparent; }
.icon-badge { width: 54px; height: 54px; border-radius: 15px; display:grid; place-items:center; margin-bottom: 1.1rem;
  background: linear-gradient(150deg, var(--navy-100), var(--gold-50)); color: var(--navy-700); }
.icon-badge .ic { width: 26px; height: 26px; }
.card h3 { font-size: 1.15rem; margin-bottom: .45rem; }
.card p { font-size: .94rem; color: var(--ink-500); }

/* Loan cards */
.loan-card { background: var(--surface); border:1px solid var(--ink-200); border-radius: var(--radius); overflow:hidden;
  box-shadow: var(--shadow-xs); transition: var(--ease); display:flex; flex-direction:column; }
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.loan-card .head { padding: 1.7rem 1.7rem 0; display:flex; align-items:center; gap: .9rem; }
.loan-card .head .icon-badge { margin:0; }
.loan-card .head h3 { font-size: 1.2rem; }
.loan-card .body { padding: 1.2rem 1.7rem 1.8rem; display:flex; flex-direction:column; flex:1; }
.loan-card .body p { font-size:.93rem; color:var(--ink-500); margin-bottom:1.2rem; flex:1; }
.loan-card .link { display:inline-flex; align-items:center; gap:.4rem; font-family:var(--font-head); font-weight:600; font-size:.9rem; color: var(--navy-700); transition: var(--ease); }
.loan-card .link .ic { width:16px; height:16px; color: var(--gold-600); transition: var(--ease); }
.loan-card:hover .link .ic { transform: translateX(4px); }

/* Split */
.split { display:grid; grid-template-columns: 1fr 1fr; gap: 2.6rem; align-items:center; }
.split.narrow { gap: 2.5rem; }
.split h2 { font-size: clamp(1.8rem,3vw,2.5rem); margin-bottom: 1rem; }
.split .lead { color: var(--ink-500); margin-bottom: 1.2rem; }
.check li { display:flex; gap:.7rem; align-items:flex-start; margin-bottom:.8rem; color: var(--ink-700); font-size:.97rem; }
.check li .ic { width:22px; height:22px; color: var(--gold-600); flex-shrink:0; margin-top:2px; }
.visual { border-radius: var(--radius-lg); overflow:hidden; box-shadow: var(--shadow-lg); background: linear-gradient(150deg, var(--navy-700), var(--navy-500)); min-height: 380px; display:grid; place-items:center; color:#fff; text-align:center; padding:2.5rem; }
.visual img { border-radius: var(--radius-lg); }

/* Stats */
.stats { background: linear-gradient(120deg, var(--navy-800), var(--navy-600)); color:#fff; border-radius: var(--radius-lg); padding: 2.2rem 2rem; }
.stats .grid-4 { gap:1.5rem; }
.stat { text-align:center; }
.stat strong { display:block; font-family:var(--font-head); font-size: 2.6rem; color:#fff; }
.stat span { color: rgba(255,255,255,.72); font-size:.9rem; }

/* Partners */
.partner-row { display:flex; flex-wrap:wrap; gap:1rem; justify-content:center; }
.partner-chip { background: var(--surface); border:1px solid var(--ink-200); border-radius: 14px; padding:.9rem 1.6rem;
  font-family:var(--font-head); font-weight:600; color: var(--ink-500); box-shadow: var(--shadow-xs); }
.partner-logos { display:flex; flex-wrap:wrap; gap:1.2rem; justify-content:center; align-items:stretch; }
.plogo { background:#fff; border:1px solid var(--ink-200); border-radius:14px; box-shadow:var(--shadow-xs);
  width:168px; height:88px; display:grid; place-items:center; padding:1rem 1.3rem; transition:var(--ease); }
.plogo:hover { transform:translateY(-4px); box-shadow:var(--shadow-md); }
.plogo img { max-height:48px; max-width:136px; width:auto; object-fit:contain; }
.plogo-fallback { display:none; font-family:var(--font-head); font-weight:700; color:var(--navy-700); font-size:1.02rem; text-align:center; }
.plogo-more { font-family:var(--font-head); font-weight:600; color:var(--ink-500); }
.bank-strip { max-width: 960px; margin: 0 auto; background:#fff; border:1px solid var(--ink-200);
  border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 2rem 2.4rem; }
.bank-strip img { width: 100%; display: block; }
@media (max-width: 560px) { .bank-strip { padding: 1.4rem 1.2rem; } }
.partners-banner { max-width: 880px; margin: 0 auto; }
.partners-banner img { width: 100%; display: block; border-radius: var(--radius); box-shadow: var(--shadow-md); }

/* Contact "talk now" card */
.talk-card { background: linear-gradient(140deg, var(--navy-800), var(--navy-600)); color:#fff;
  border-radius: var(--radius); padding: 1.7rem; box-shadow: var(--shadow-md); }
.talk-card h3 { color:#fff; margin-bottom:.35rem; }
.talk-card p { color: rgba(255,255,255,.85); font-size:.93rem; margin-bottom: 1.1rem; }
.talk-actions { display:flex; gap:.7rem; flex-wrap:wrap; }
.talk-card .hours { margin-top: 1.1rem; font-size:.85rem; color: rgba(255,255,255,.72); display:flex; align-items:center; gap:.5rem; }
.talk-card .hours .ic { width:16px; height:16px; color: var(--gold-400); }
@media (max-width: 560px) { .plogo { width:132px; height:74px; } }

/* Testimonials */
.testi-marquee { overflow: hidden; }
.testi-track { display:flex; gap:1.5rem; width: max-content; padding: .3rem 0 1rem; animation: marquee 42s linear infinite; }
.testi-track:hover { animation-play-state: paused; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.testi { position: relative; flex:0 0 350px; background: var(--surface); border:1px solid var(--ink-200);
  border-radius: var(--radius-lg); padding: 2rem 1.9rem 1.6rem; box-shadow: var(--shadow-sm); overflow: hidden; }
.testi::before { content:""; position:absolute; top:0; left:0; right:0; height:4px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-400)); }
.testi::after { content:"\201D"; position:absolute; top:.35rem; right:1.2rem; font-family:Georgia,serif;
  font-size:5.5rem; line-height:1; color: var(--gold-500); opacity:.14; pointer-events:none; }
.testi .stars { color: var(--gold-500); letter-spacing:3px; margin-bottom:1rem; font-size:.95rem; }
.testi blockquote { position:relative; z-index:1; color: var(--navy-900); font-size:1.05rem; line-height:1.6;
  font-weight:500; margin-bottom:1.4rem; }
.testi .who { display:flex; align-items:center; gap:.9rem; padding-top:1.1rem; border-top:1px solid var(--ink-100); }
.testi .av { width:50px; height:50px; border-radius:50%; background:linear-gradient(135deg,var(--navy-700),var(--navy-500));
  color:#fff; display:grid; place-items:center; font-family:var(--font-head); font-weight:700; font-size:1.1rem;
  box-shadow: 0 0 0 3px var(--surface), 0 0 0 4px var(--gold-400); flex-shrink:0; }
.testi .who strong { display:block; font-size:.98rem; color: var(--navy-800); }
.testi .who small { color: var(--gold-600); font-size:.82rem; font-weight:500; }

/* CTA */
.cta { background: linear-gradient(120deg, var(--navy-800), var(--navy-600), var(--navy-700)); background-size: 220% 220%;
  animation: ctaShift 14s ease infinite; border-radius: var(--radius-lg); padding: 2.6rem 2rem; text-align:center; color:#fff; overflow:hidden; position:relative; }
@keyframes ctaShift { 0%{background-position:0% 50%} 50%{background-position:100% 50%} 100%{background-position:0% 50%} }
.cta::after { content:""; position:absolute; right:-80px; top:-80px; width:320px; height:320px; border-radius:50%; background: radial-gradient(circle, rgba(200,162,74,.3), transparent 65%); }
.cta h2 { color:#fff; font-size: clamp(1.7rem,3vw,2.4rem); margin-bottom:.7rem; position:relative; }
.cta p { color: rgba(255,255,255,.85); max-width:560px; margin:0 auto 1.6rem; position:relative; }

/* ============================ Page hero (inner pages) ============================ */
.page-hero { padding: 2.6rem 0 2.4rem; color:#fff; text-align:center; position:relative; overflow:hidden;
  background-color: var(--navy-800); }
/* moving banner layer (continuous slow pan + zoom) */
.page-hero::before { content:""; position:absolute; inset:-6%; z-index:0;
  background-image: linear-gradient(100deg, rgba(16,26,61,.9) 0%, rgba(20,32,66,.72) 45%, rgba(31,45,89,.55) 100%), var(--hero-bg, none);
  background-size: cover; background-position: center; background-repeat: no-repeat;
  animation: heroPan 26s ease-in-out infinite alternate; will-change: transform; }
@keyframes heroPan {
  from { transform: scale(1.06) translate(-1.6%, -1%); }
  to   { transform: scale(1.16) translate(1.6%, 1%); }
}
body[data-page="about"]   .page-hero { --hero-bg: url("../assets/banners/page-about.svg"); }
body[data-page="loans"]   .page-hero { --hero-bg: url("../assets/banners/page-loans.svg"); }
body[data-page="awards"]  .page-hero { --hero-bg: url("../assets/banners/page-awards.svg"); }
body[data-page="blog"]    .page-hero { --hero-bg: url("../assets/banners/page-blog.svg"); }
body[data-page="contact"] .page-hero { --hero-bg: url("../assets/banners/page-contact.svg"); }
.page-hero .eyebrow { color: var(--gold-400); justify-content:center; margin-bottom:1rem; }
.page-hero .eyebrow::before { background: var(--gold-400); }
.page-hero h1 { color:#fff; font-size: clamp(2rem,4vw,3rem); margin-bottom:.7rem; }
.page-hero p { color: rgba(255,255,255,.78); max-width:640px; margin:0 auto; }
.crumbs { margin-top:1.1rem; font-size:.85rem; color: rgba(255,255,255,.6); }
.crumbs a:hover { color:#fff; }

/* Prose */
.prose { max-width: 780px; }
.prose > * + * { margin-top: 1.1rem; }
.prose h2 { font-size:1.7rem; margin-top:2.4rem; }
.prose h3 { font-size:1.25rem; color: var(--navy-700); margin-top:1.6rem; }
.prose p { color: var(--ink-700); }
.prose ul.bullets li { position:relative; padding-left:1.7rem; margin-bottom:.6rem; color:var(--ink-700); }
.prose ul.bullets li::before { content:""; position:absolute; left:0; top:.55em; width:8px; height:8px; border-radius:50%; background: var(--gold-500); }

/* Sidebar layout */
.with-aside { display:grid; grid-template-columns: 1fr 360px; gap: 3rem; align-items:start; }
.aside-card { background: var(--surface); border:1px solid var(--ink-200); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: 1.8rem; position: sticky; top: 100px; }
.aside-card h3 { font-size:1.2rem; margin-bottom:1rem; }

/* Info cards */
.info-cards { display:grid; grid-template-columns: repeat(2,1fr); gap:1.2rem; }
.info-card { background: var(--surface); border:1px solid var(--ink-200); border-left:4px solid var(--gold-500); border-radius: var(--radius-sm); padding:1.4rem; box-shadow: var(--shadow-xs); }
.info-card h4 { color: var(--navy-700); margin-bottom:.35rem; display:flex; align-items:center; gap:.5rem; }
.info-card p { font-size:.92rem; color: var(--ink-500); }

/* Enquiry tabs */
.tab-btns { display:flex; flex-wrap:wrap; gap:.6rem; margin-bottom:1.6rem; }
.tab-btn { font-family:var(--font-head); font-weight:600; font-size:.9rem; cursor:pointer; padding:.7rem 1.3rem; border-radius:999px;
  border:1.6px solid var(--ink-200); background:var(--surface); color:var(--ink-700); transition:var(--ease); }
.tab-btn.active { background: var(--navy-700); color:#fff; border-color:var(--navy-700); }
.tab-panel { display:none; }
.tab-panel.active { display:block; animation: fade .35s var(--ease); }
.tab-panel .check { margin-bottom:0; }
.tab-panel .info-cards { margin-top:1.5rem; }
.more-link { display:inline-flex; align-items:center; gap:.45rem; font-family:var(--font-head); font-weight:600;
  font-size:.92rem; color:var(--navy-700); margin-top:1.5rem; transition:var(--ease); }
.more-link .ic { width:16px; height:16px; color:var(--gold-600); transition:var(--ease); }
.more-link:hover { color:var(--gold-600); }
.more-link:hover .ic { transform:translateX(4px); }
@keyframes fade { from { opacity:0; transform:translateY(8px);} to { opacity:1; transform:none; } }

/* Awards */
.awards-hero { display:grid; grid-template-columns: 1.1fr .9fr; gap: 2.5rem; align-items:center; }
.frame { border-radius: var(--radius); overflow:hidden; box-shadow: var(--shadow-md); border:1px solid var(--ink-200); background: var(--surface); }
.frame img { width:100%; }
.frame.ph { min-height: 220px; display:grid; place-items:center; color: var(--ink-300); font-size:.9rem; text-align:center; padding:1.5rem; background: var(--ink-100); }
.badges { display:flex; flex-wrap:wrap; gap:.7rem; margin-top:1.3rem; }
.badge { display:inline-flex; align-items:center; gap:.5rem; background: var(--gold-50); border:1px solid var(--gold-400); border-radius:999px; padding:.5rem 1rem; font-size:.84rem; font-weight:600; font-family:var(--font-head); color: var(--gold-600); }
.gallery { display:grid; grid-template-columns: repeat(3,1fr); gap:1.4rem; margin-top:2.2rem; }
.gallery-center { display:flex; flex-wrap:wrap; justify-content:center; align-items:flex-start; }
.gallery-center > .frame { flex: 0 1 480px; max-width: 480px; }

/* Blog */
.blog-grid { display:grid; grid-template-columns: repeat(3,1fr); gap:1.8rem; }
.post { background:var(--surface); border:1px solid var(--ink-200); border-radius: var(--radius); overflow:hidden; box-shadow:var(--shadow-xs); transition:var(--ease); }
.post:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.post .thumb { height:190px; overflow:hidden; background: linear-gradient(150deg,var(--navy-700),var(--navy-500)); }
.post .thumb img { width:100%; height:100%; object-fit:cover; display:block; transition: transform .55s var(--ease); }
.post:hover .thumb img { transform: scale(1.07); }
.post .pbody { padding:1.5rem; }
.tag { display:inline-block; font-size:.72rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase; color:var(--gold-600); margin-bottom:.5rem; }
.post h3 { font-size:1.12rem; margin-bottom:.4rem; }
.post p { font-size:.9rem; color:var(--ink-500); margin-bottom:.9rem; }
.post .meta { font-size:.8rem; color:var(--ink-500); }

/* Contact */
.contact-grid { display:grid; grid-template-columns: .9fr 1.1fr; gap:2.5rem; align-items:stretch; }
.contact-right { display:flex; flex-direction:column; }
.contact-right .talk-card { flex:1; display:flex; flex-direction:column; justify-content:center; }
.ci { display:flex; gap:1rem; align-items:flex-start; background:var(--surface); border:1px solid var(--ink-200); border-radius:var(--radius); padding:1.4rem; box-shadow:var(--shadow-xs); margin-bottom:1.1rem; }
.ci .icon-badge { margin:0; width:48px; height:48px; }
.ci h4 { margin-bottom:.2rem; }
.ci p, .ci a { font-size:.93rem; color:var(--ink-500); }
.ci a:hover { color: var(--navy-700); }
.map { border-radius: var(--radius); overflow:hidden; box-shadow: var(--shadow-md); margin-top: 2.5rem; }
.map iframe { width:100%; height:380px; border:0; display:block; }

/* ============================ Footer ============================ */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,.72); padding: 2.75rem 0 1.4rem; }
.footer-grid { display:grid; grid-template-columns: 1.6fr 1fr 1fr 1.4fr; gap:2.2rem; margin-bottom:2.8rem; }
.footer-col img { height:52px; margin-bottom:1.1rem; }
.footer-col p { font-size:.9rem; margin-bottom:1.1rem; }
.footer-col h4 { color:#fff; font-size:1rem; margin-bottom:1.1rem; }
.footer-col ul li { margin-bottom:.6rem; }
.footer-col ul li a { font-size:.9rem; transition:var(--ease); }
.footer-col ul li a:hover { color:#fff; padding-left:4px; }
.fcontact li { display:flex; gap:.6rem; align-items:flex-start; font-size:.9rem; margin-bottom:.75rem; }
.fcontact .nums { display:flex; flex-direction:column; gap:.15rem; }
.fcontact .nums a, .fcontact li a[href^="tel"] { white-space:nowrap; }
.fcontact li a[href^="mailto"] { word-break:break-all; }
.fcontact li .ic { width:18px; height:18px; color: var(--gold-400); flex-shrink:0; margin-top:2px; }
.social { display:flex; gap:.6rem; margin-top:1rem; }
.social a { width:40px; height:40px; border-radius:11px; background: rgba(255,255,255,.08); display:grid; place-items:center; transition:var(--ease); }
.social a .ic { width:18px; height:18px; color:#fff; }
.social a:hover { background: var(--gold-500); transform: translateY(-2px); }
.social a:hover .ic { color: var(--navy-900); }
.footer-bottom { border-top:1px solid rgba(255,255,255,.1); padding-top:1.5rem; font-size:.84rem; color: rgba(255,255,255,.5);
  display:flex; align-items:center; justify-content:space-between; gap:.6rem 1.5rem; flex-wrap:wrap; }
.footer-bottom .dev-credit { color: rgba(255,255,255,.55); white-space:nowrap; }
.footer-bottom .dev-credit strong { color: var(--gold-400); font-weight:600; }
@media (max-width:560px){ .footer-bottom { justify-content:center; text-align:center; } }

/* Floating WhatsApp */
.wa-float { position:fixed; left:22px; bottom:22px; z-index:200; width:58px; height:58px; border-radius:50%;
  background:#25d366; color:#fff; display:grid; place-items:center; box-shadow: var(--shadow-lg); transition:var(--ease); animation: waPulse 2.6s infinite; }
.wa-float .ic { width:30px; height:30px; stroke:none; fill:#fff; }
.wa-float:hover { transform: scale(1.08); }
@keyframes waPulse { 0%{box-shadow:0 0 0 0 rgba(37,211,102,.5);} 70%{box-shadow:0 0 0 16px rgba(37,211,102,0);} 100%{box-shadow:0 0 0 0 rgba(37,211,102,0);} }

/* Reveal on scroll */
.reveal { opacity:0; transform: translateY(34px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.reveal.in { opacity:1; transform:none; }
.reveal-l { transform: translateX(-42px); }
.reveal-r { transform: translateX(42px); }
.reveal-s { transform: scale(.92); }
.reveal-l.in, .reveal-r.in, .reveal-s.in { transform:none; }
/* Directional entrances for two-column layouts (no HTML changes needed) */
.split > .reveal:nth-child(1), .awards-hero > .reveal:nth-child(1),
.with-aside > .reveal:nth-child(1), .contact-grid > .reveal:nth-child(1) { transform: translateX(-42px); }
.split > .reveal:nth-child(2), .awards-hero > .reveal:nth-child(2),
.with-aside > .reveal:nth-child(2), .contact-grid > .reveal:nth-child(2) { transform: translateX(42px); }
.split > .reveal.in, .awards-hero > .reveal.in, .with-aside > .reveal.in, .contact-grid > .reveal.in { transform:none; }

/* ===== Scroll progress bar ===== */
.scroll-progress { position:fixed; top:0; left:0; height:3px; width:0; z-index:300;
  background: linear-gradient(90deg, var(--gold-600), var(--gold-400)); box-shadow:0 0 8px rgba(200,162,74,.5); transition: width .08s linear; }

/* ===== Button shine sweep ===== */
.btn { position:relative; overflow:hidden; }
.btn::after { content:""; position:absolute; top:0; left:-130%; width:55%; height:100%; transform:skewX(-22deg);
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.35), transparent); transition:left .6s var(--ease); pointer-events:none; }
.btn:hover::after { left:150%; }

/* ===== Richer cards ===== */
.card, .loan-card, .post { position:relative; overflow:hidden; }
.card::before, .loan-card::before, .post::before { content:""; position:absolute; top:0; left:0; right:0; height:3px;
  transform:scaleX(0); transform-origin:left; background:linear-gradient(90deg, var(--gold-500), var(--gold-400)); transition:transform .4s var(--ease); z-index:2; }
.card:hover::before, .loan-card:hover::before, .post:hover::before { transform:scaleX(1); }
.icon-badge { transition: var(--ease); }
.card:hover .icon-badge, .loan-card:hover .icon-badge { transform: rotate(-6deg) scale(1.08);
  background: linear-gradient(150deg, var(--gold-50), var(--navy-100)); }
.testi { transition: var(--ease); }
.testi:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }

/* ===== Partner logos: full colour, gentle pop on hover ===== */
.plogo img { transition: var(--ease); }
.plogo:hover img { transform: scale(1.06); }

/* ===== Animated aurora on page heros + CTA ===== */
.page-hero { position:relative; overflow:hidden; }
.page-hero > .container { position:relative; z-index:1; }
.page-hero::after { content:""; position:absolute; inset:-40% -15% -40% -15%; z-index:0;
  background: radial-gradient(600px 320px at 18% 28%, rgba(200,162,74,.20), transparent 60%),
             radial-gradient(520px 320px at 85% 72%, rgba(95,119,179,.42), transparent 60%);
  animation: aurora 16s ease-in-out infinite alternate; }
@keyframes aurora { from { transform: translate(-4%, -3%) rotate(0deg); } to { transform: translate(4%, 3%) rotate(3deg); } }
.cta { overflow:hidden; }
.cta > * { position:relative; z-index:2; }

/* ===== Stats shine + emblem glow ===== */
.stats { position:relative; overflow:hidden; }
.stats::after { content:""; position:absolute; top:0; left:-40%; width:35%; height:100%; transform:skewX(-22deg);
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.09), transparent); animation: sweep 6.5s ease-in-out infinite; }
@keyframes sweep { 0% { left:-40%; } 55%,100% { left:140%; } }
.emblem { animation: emblemGlow 4.5s ease-in-out infinite; }
@keyframes emblemGlow {
  0%,100% { box-shadow: inset 0 0 50px rgba(200,162,74,.25); }
  50% { box-shadow: inset 0 0 62px rgba(200,162,74,.42), 0 0 42px rgba(200,162,74,.16); } }

/* ===== Subtle section glow ===== */
.section.soft { position:relative; overflow:hidden; }
.section.soft::before { content:""; position:absolute; width:360px; height:360px; right:-130px; top:-140px; border-radius:50%;
  background: radial-gradient(circle, rgba(200,162,74,.08), transparent 66%); pointer-events:none; z-index:0; }
.section.soft > .container { position:relative; z-index:1; }

/* ===== Staggered item reveal (lists, info boxes, badges) ===== */
.sri { opacity:0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.sri.sri-x { transform: translateX(-24px); }
.sri.sri-in { opacity:1; transform:none; }

/* Text-box liveliness: hover + marker motion */
.info-card { transition: var(--ease); }
.info-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-left-width: 6px; }
.info-card h4 .ic { transition: var(--ease); }
.info-card:hover h4 .ic { transform: scale(1.18) rotate(-6deg); }
.check li, .prose ul.bullets li { transition: transform var(--ease); }
.check li:hover, .prose ul.bullets li:hover { transform: translateX(5px); }
.check li:hover .ic { transform: scale(1.18); }
.prose ul.bullets li:hover::before { transform: scale(1.5); }
.prose ul.bullets li::before { transition: transform var(--ease); }

/* Growing gold underline under prose headings when revealed */
.prose h2 { position: relative; }
.prose h2::after { content:""; display:block; width:52px; height:3px; margin-top:.55rem; border-radius:2px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-400)); transform: scaleX(0); transform-origin:left;
  transition: transform .6s var(--ease) .15s; }
.prose.in h2::after { transform: scaleX(1); }

/* ===== Extra motion across sections ===== */
/* Card hover: soft gold glow + stronger lift */
.card:hover, .loan-card:hover, .post:hover, .feature-card:hover {
  box-shadow: 0 20px 46px rgba(31,45,89,.15), 0 0 0 1px rgba(200,162,74,.28) !important; }
/* Icon badge idle pulse (box-shadow only, so hover transforms still work) */
.card .icon-badge, .loan-card .icon-badge { animation: badgePulse 3.6s ease-in-out infinite; }
@keyframes badgePulse { 0%,100% { box-shadow: 0 0 0 0 rgba(200,162,74,0); } 50% { box-shadow: 0 0 0 7px rgba(200,162,74,.09); } }
/* Loan card shine sweep on hover */
.loan-card::after { content:""; position:absolute; top:0; left:-130%; width:60%; height:100%; transform: skewX(-20deg);
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.45), transparent); transition: left .75s var(--ease); pointer-events:none; z-index:1; }
.loan-card:hover::after { left: 165%; }
/* Partners banner subtle interaction */
.partners-banner img { transition: transform .4s var(--ease), box-shadow .4s var(--ease); }
.partners-banner:hover img { transform: scale(1.015); box-shadow: var(--shadow-lg); }
/* Stat numbers gentle rise on reveal */
.stats.in .stat { animation: statRise .6s var(--ease) both; }
.stats.in .stat:nth-child(2){ animation-delay:.08s; } .stats.in .stat:nth-child(3){ animation-delay:.16s; } .stats.in .stat:nth-child(4){ animation-delay:.24s; }
@keyframes statRise { from { opacity:0; transform: translateY(14px); } to { opacity:1; transform:none; } }
/* Testimonial card hover pop */
.testi { transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.testi:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }

/* ===== Reduced motion ===== */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration:.001s !important; animation-iteration-count:1 !important; transition-duration:.001s !important; animation-iteration-count:1 !important; }
  .reveal, .sri, .stats.in .stat { opacity:1 !important; transform:none !important; }
  .testi-track { animation: none !important; }
}

/* ============================ Responsive ============================ */
@media (max-width: 980px) {
  .hero-grid, .split, .with-aside, .contact-grid, .awards-hero { grid-template-columns: 1fr; }
  .aside-card { position: static; }
  .grid-3, .grid-4, .blog-grid, .gallery { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-rotator { min-height: auto; }
}
@media (max-width: 720px) {
  .section { padding: 2.75rem 0; }
  .nav-links { position: fixed; inset: 80px 0 auto 0; flex-direction: column; align-items: stretch;
    background: var(--surface); border-bottom:1px solid var(--ink-200); box-shadow: var(--shadow-lg);
    padding: 1rem; gap:.2rem; transform: translateY(-130%); transition: transform .35s var(--ease); max-height: calc(100vh - 80px); overflow-y:auto; }
  .nav-links.open { transform: translateY(0); }
  .nav-links a.active::after { display:none; }
  .nav-toggle { display:block; }
  .nav-phone { display:none; }
  /* Top bar on mobile: keep the phones, drop address/email/social to stay tidy */
  header[data-header] { min-height: 72px; }
  .topbar .tb-left, .topbar .tb-social { display: none; }
  .topbar-inner { justify-content: center; height: auto; padding: .35rem 0; }
  .topbar .tb-right { gap: .2rem 1rem; flex-wrap: wrap; justify-content: center; }
  .nav-links { inset: 72px 0 auto 0; }
}
@media (max-width: 540px) {
  .grid-3, .grid-4, .blog-grid, .gallery, .grid-2, .info-cards, .field-row, .footer-grid { grid-template-columns: 1fr; }
  .hero-strip { gap: 1.4rem; }
  .testi { flex-basis: 300px; }
}