/* ============================================================
   NSDR NIDHI LIMITED � COMPLETE REDESIGN v3
   Design: Midnight Navy � Antique Gold � Warm Ivory
   Style: Premium Luxury Financial � Bold, Clean, Trustworthy
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,300&family=DM+Serif+Display:ital@0;1&display=swap');

/* -- DESIGN TOKENS -- */
:root {
  /* Midnight Navy palette */
  --navy-950: #020c1b;
  --navy-900: #060f2a;
  --navy-800: #0a1a40;
  --navy-700: #0f2560;
  --navy-600: #163080;
  --navy-500: #1e3fa0;
  --navy-400: #3860c4;
  --navy-300: #6b8dd6;
  --navy-200: #a8bfec;
  --navy-100: #dce6f8;

  /* Antique Gold palette */
  --gold-700: #7a5500;
  --gold-600: #a87300;
  --gold-500: #c98e00;
  --gold-400: #e0a900;
  --gold-300: #f0c040;
  --gold-200: #f8d878;
  --gold-100: #fef3cc;

  /* Neutrals */
  --cream: #faf8f4;
  --warm-50: #f7f4ef;
  --warm-100: #eee9e0;
  --warm-200: #ddd6c8;
  --slate-100: #f0f2f8;
  --slate-200: #e2e6f0;
  --slate-300: #c8cfe0;

  /* Text */
  --text-primary: #07112b;
  --text-secondary: #2a3a5c;
  --text-muted: #5a6f96;
  --text-faint: #8899bb;
  --text-inverse: #ffffff;

  /* Semantic */
  --surface: #ffffff;
  --surface-alt: #f7f6f2;
  --surface-cream: #faf8f4;
  --border: rgba(14, 25, 64, 0.09);
  --border-warm: rgba(200, 142, 0, 0.2);

  /* Shadows */
  --shadow-xs: 0 1px 3px rgba(6, 15, 42, 0.06);
  --shadow-sm: 0 4px 14px rgba(6, 15, 42, 0.08);
  --shadow-md: 0 8px 30px rgba(6, 15, 42, 0.12);
  --shadow-lg: 0 16px 52px rgba(6, 15, 42, 0.17);
  --shadow-xl: 0 28px 80px rgba(6, 15, 42, 0.22);
  --shadow-gold: 0 6px 28px rgba(201, 142, 0, 0.32);
  --glow-gold: 0 0 40px rgba(201, 142, 0, 0.18);

  /* Layout */
  --container: 1260px;
  --container-sm: 900px;

  /* Radii */
  --r-xs: 4px;
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 18px;
  --r-xl: 24px;
  --r-2xl: 32px;
  --r-3xl: 48px;
  --r-full: 9999px;

  /* Typography */
  --ff-display: 'DM Serif Display', 'Cormorant Garamond', Georgia, serif;
  --ff-serif: 'Cormorant Garamond', Georgia, serif;
  --ff-sans: 'DM Sans', -apple-system, system-ui, sans-serif;

  /* Animation */
  --ease: cubic-bezier(0.25, 0.8, 0.25, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
  --ease-out: cubic-bezier(0.0, 0.0, 0.2, 1);
  --ease-in-out: cubic-bezier(0.4, 0, 0.2, 1);
  --t-fast: 0.18s var(--ease);
  --t-base: 0.3s var(--ease);
  --t-slow: 0.55s var(--ease-out);
}

/* -- RESET -- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  font-size: 16px;
}

body {
  font-family: var(--ff-sans);
  color: var(--text-primary);
  background: var(--surface);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

ul,
ol {
  list-style: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

input,
select,
textarea {
  font-family: inherit;
  font-size: inherit;
}

svg {
  flex-shrink: 0;
}

/* -- LAYOUT -- */
.wrap {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
  width: 100%;
}

.wrap-sm {
  max-width: var(--container-sm);
  margin: 0 auto;
  padding: 0 32px;
}

.section {
  padding: 110px 0;
}

.section-sm {
  padding: 72px 0;
}

.section-alt {
  background: var(--surface-alt);
}

.section-cream {
  background: var(--surface-cream);
}

.section-dark {
  background: var(--navy-950);
}

.section-navy {
  background: var(--navy-800);
}

/* -- TYPOGRAPHY -- */
h1,
h2,
h3,
h4,
h5 {
  line-height: 1.18;
  font-weight: 700;
  color: var(--text-primary);
}

h1 {
  font-family: var(--ff-display);
  font-size: clamp(36px, 5.5vw, 68px);
  font-weight: 400;
  letter-spacing: -0.02em;
}

h2 {
  font-family: var(--ff-display);
  font-size: clamp(28px, 4vw, 50px);
  font-weight: 400;
  letter-spacing: -0.02em;
}

h3 {
  font-family: var(--ff-display);
  font-size: clamp(20px, 2.5vw, 28px);
  font-weight: 400;
}

h4 {
  font-family: var(--ff-sans);
  font-size: 16px;
  font-weight: 700;
  letter-spacing: 0.01em;
}

p {
  color: var(--text-muted);
  line-height: 1.82;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--ff-sans);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--gold-500);
  margin-bottom: 18px;
}

.eyebrow::before {
  content: '';
  width: 28px;
  height: 1.5px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-300));
  display: block;
}

.section-title {
  margin-bottom: 20px;
}

.lead {
  font-size: 18px;
  color: var(--text-muted);
  line-height: 1.82;
  max-width: 640px;
}

.hl {
  color: var(--gold-500);
  font-style: italic;
}

.rule {
  width: 64px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200));
  border-radius: var(--r-full);
  margin: 0 0 32px;
}

.rule-center {
  margin-left: auto;
  margin-right: auto;
}

.text-center {
  text-align: center;
}

.text-center .lead {
  margin-left: auto;
  margin-right: auto;
}

/* -- BUTTONS -- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 14px 30px;
  font-family: var(--ff-sans);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.03em;
  border-radius: var(--r-full);
  border: 1.5px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: transform var(--t-base), box-shadow var(--t-base), background var(--t-base), color var(--t-base), border-color var(--t-base);
}

.btn svg {
  width: 15px;
  height: 15px;
  transition: transform var(--t-base);
}

.btn:hover svg {
  transform: translateX(3px);
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold-400) 0%, var(--gold-300) 100%);
  color: var(--navy-900);
  border-color: transparent;
  box-shadow: var(--shadow-gold);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(201, 142, 0, 0.4);
}

.btn-navy {
  background: var(--navy-800);
  color: var(--text-inverse);
  border-color: var(--navy-800);
  box-shadow: var(--shadow-md);
}

.btn-navy:hover {
  background: var(--navy-700);
  border-color: var(--navy-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  color: var(--text-inverse);
}

.btn-outline-white {
  background: transparent;
  color: var(--text-inverse);
  border-color: rgba(255, 255, 255, 0.4);
  backdrop-filter: blur(4px);
}

.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.7);
  color: var(--text-inverse);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy-800);
  border-color: var(--navy-300);
}

.btn-outline-navy:hover {
  background: var(--navy-100);
  border-color: var(--navy-400);
  color: var(--navy-800);
}

.btn-lg {
  padding: 17px 38px;
  font-size: 15px;
}

.btn-sm {
  padding: 10px 22px;
  font-size: 13px;
}

/* -- READ MORE LINK -- */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-500);
  transition: var(--t-base);
}

.link-arrow svg {
  width: 14px;
  height: 14px;
  transition: transform var(--t-base);
}

.link-arrow:hover {
  color: var(--gold-400);
}

.link-arrow:hover svg {
  transform: translateX(5px);
}

/* -- TOP BAR -- */
.topbar {
  background: var(--navy-950);
  height: 40px;
}

.topbar .wrap {
  height: 100%;
}

.topbar {
  overflow: hidden;
  border-bottom: 1px solid rgba(201, 142, 0, 0.15);
}

.topbar-inner {
  display: flex;
  justify-content: center;
  gap: 32px;
  align-items: center;
  height: 100%;
  gap: 16px;
}

.topbar-left,
.topbar-right {
  display: flex;
  align-items: center;
  gap: 24px;
}

.topbar-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 0.01em;
  transition: var(--t-fast);
}

.topbar-item svg {
  width: 13px;
  height: 13px;
  stroke: var(--gold-400);
}

.topbar a.topbar-item:hover {
  color: var(--gold-300);
}

/* -- HEADER -- */
.site-header {
  background: rgba(255, 255, 255, 0.98);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 900;
  transition: background var(--t-base), box-shadow var(--t-base);
}

.site-header.scrolled {
  box-shadow: 0 4px 28px rgba(6, 15, 42, 0.1);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  background: rgba(255, 255, 255, 0.96);
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 104px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
}

.logo-mark {
  width: 52px;
  height: 52px;
  background: linear-gradient(145deg, var(--navy-900), var(--navy-600));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  overflow: hidden;
  box-shadow: 0 6px 20px rgba(6, 15, 42, 0.28);
}

.logo-mark::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 50%;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.08), transparent);
  border-radius: 14px 14px 0 0;
}

.logo-mark svg {
  width: 28px;
  height: 28px;
  stroke: rgba(255, 255, 255, 0.9);
}

.logo-mark .logo-gem {
  position: absolute;
  bottom: 6px;
  right: 6px;
  width: 10px;
  height: 10px;
  background: linear-gradient(135deg, var(--navy-600), var(--navy-400));
  border-radius: 3px;
  opacity: 0.9;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.logo-name {
  font-family: var(--ff-display);
  font-size: 23px;
  font-weight: 400;
  color: var(--navy-900);
  letter-spacing: -0.02em;
}

.logo-tagline {
  font-family: var(--ff-sans);
  font-size: 9.5px;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--navy-600);
  font-weight: 700;
  margin-top: 5px;
}

/* Nav */
.main-nav {
  margin-left: 16px;
}

.main-nav ul {
  display: flex;
  align-items: center;
  gap: 1px;
  list-style: none;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 15px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: var(--r-sm);
  transition: var(--t-fast);
  white-space: nowrap;
}

.nav-link:hover,
.nav-link.active {
  color: var(--navy-800);
  background: var(--slate-100);
}

.nav-link.active {
  font-weight: 600;
}

.chevron svg {
  width: 10px;
  height: 10px;
  transition: transform 0.28s var(--ease);
  stroke-width: 2.5;
}

.nav-item:hover .chevron svg {
  transform: rotate(180deg);
}

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  min-width: 230px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xl);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.22s ease, transform 0.22s var(--ease), visibility 0.22s;
  z-index: 50;
}

.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 16px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: var(--r-sm);
  transition: var(--t-fast);
}

.dropdown a::before {
  content: '';
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold-400);
  opacity: 0;
  transition: opacity var(--t-fast);
  flex-shrink: 0;
}

.dropdown a:hover {
  background: var(--slate-100);
  color: var(--navy-800);
}

.dropdown a:hover::before {
  opacity: 1;
}

/* Nav CTA */
.nav-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 32px;
  padding: 2px;
}

.hamburger span {
  display: block;
  height: 2px;
  background: var(--navy-800);
  border-radius: 2px;
  transition: var(--t-base);
}

.hamburger span:nth-child(2) {
  width: 75%;
}

/* Mobile Nav */
.mobile-nav-panel {
  display: none;
  position: fixed;
  top: 104px;
  left: 0;
  width: 100%;
  height: calc(100vh - 104px);
  background: var(--surface);
  z-index: 800;
  padding: 24px 28px 48px;
  transform: translateX(-100%);
  transition: transform 0.38s var(--ease);
  overflow-y: auto;
  border-top: 1px solid var(--border);
}

.mobile-nav-panel.open {
  transform: translateX(0);
}

.mobile-nav-panel a {
  display: block;
  padding: 16px 0;
  font-size: 17px;
  font-weight: 500;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--slate-200);
  transition: var(--t-fast);
}

.mobile-nav-panel a:hover {
  color: var(--navy-800);
  padding-left: 8px;
}

.mobile-nav-panel .mobile-cta {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 24px;
}

.mobile-nav-panel .mobile-cta .btn {
  justify-content: center;
  width: 100%;
}

/* -- HERO -- */
.hero {
  position: relative;
  min-height: 380px;
  overflow: hidden;
  background: var(--navy-950);
  display: flex;
  align-items: center;
}

/* Slide system */
.hero-slides {
  position: absolute;
  inset: 0;
}

.slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 1.4s ease;
}

.slide.active {
  opacity: 1;
  visibility: visible;
  z-index: 1;
}

.slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transform: scale(1.07);
  transition: transform 14s linear;
  will-change: transform;
}

.slide.active .slide-bg {
  transform: scale(1);
}

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg,
      rgba(2, 12, 27, 0.97) 0%,
      rgba(6, 15, 42, 0.90) 30%,
      rgba(10, 26, 64, 0.78) 58%,
      rgba(14, 37, 96, 0.50) 80%,
      rgba(6, 15, 42, 0.28) 100%);
}

/* Gold accent line */
.hero::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold-500) 0%, var(--gold-300) 40%, transparent 100%);
  z-index: 10;
}

/* Hero layout */
.hero-inner {
  position: relative;
  z-index: 5;
  width: 100%;
  min-height: 380px;
  display: flex;
  align-items: center;
}

.hero-content {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 60px;
  align-items: center;
  width: 100%;
}

.hero-text {
  max-width: 580px;
}

/* Slide badge */
.slide-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  background: rgba(201, 142, 0, 0.15);
  border: 1px solid rgba(201, 142, 0, 0.35);
  border-radius: var(--r-full);
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--gold-300);
  margin-bottom: 14px;
  backdrop-filter: blur(4px);
}

.slide-badge::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold-400);
  animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {

  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }

  50% {
    opacity: 0.5;
    transform: scale(0.8);
  }
}

.hero-text h1 {
  color: var(--text-inverse);
  font-size: clamp(22px, 3.2vw, 42px);
  line-height: 1.1;
  margin-bottom: 12px;
  font-weight: 400;
  letter-spacing: -0.025em;
}

.hero-text h1 em {
  color: var(--gold-300);
  font-style: italic;
}

.hero-text p {
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.68);
  margin-bottom: 22px;
  line-height: 1.6;
  max-width: 460px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}


/* Move Logo Left */
.site-header .wrap {
  max-width: 1536px;
  padding-left: 20px;
}

/* Hero card panel */
.hero-card {
  width: 355px;
  flex-shrink: 0;
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--r-2xl);
  padding: 32px 30px;
  box-shadow: 0 24px 64px rgba(2, 12, 27, 0.5);
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.hero-card-title {
  font-family: var(--ff-display);
  font-size: 19px;
  color: var(--text-inverse);
  font-weight: 400;
  margin-bottom: 3px;
}

.hero-card-sub {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 15px;
}

.hc-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.07);
}

.hc-stat:first-of-type {
  border-top: none;
}

.hc-stat-val {
  font-family: var(--ff-display);
  font-size: 25px;
  color: var(--gold-300);
  font-weight: 400;
  line-height: 1;
}

.hc-stat-lbl {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
  font-weight: 500;
  text-align: right;
}

.hero-card-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px;
  background: linear-gradient(135deg, var(--gold-400), var(--gold-300));
  border-radius: var(--r-md);
  font-size: 13px;
  font-weight: 700;
  color: var(--navy-900);
  cursor: pointer;
  transition: var(--t-base);
  margin-top: 3px;
  border: none;
  text-decoration: none;
}

.hero-card-btn svg {
  width: 14px;
  height: 14px;
  transition: transform var(--t-base);
}

.hero-card-btn:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

.hero-card-btn:hover svg {
  transform: translateX(4px);
}

/* Slider controls */
.slider-nav {
  position: absolute;
  bottom: 48px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  align-items: center;
  gap: 20px;
}

.slider-dots {
  display: flex;
  gap: 8px;
  align-items: center;
}

.sdot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.25);
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  cursor: pointer;
  transition: var(--t-base);
}

.sdot.active {
  background: var(--gold-400);
  border-color: var(--gold-400);
  width: 26px;
  border-radius: var(--r-full);
  box-shadow: 0 0 12px rgba(201, 142, 0, 0.5);
}

.slider-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(8px);
  transition: var(--t-base);
  cursor: pointer;
}

.slider-btn svg {
  width: 15px;
  height: 15px;
  stroke: rgba(255, 255, 255, 0.8);
}

.slider-btn:hover {
  background: var(--gold-400);
  border-color: var(--gold-400);
}

.slider-btn:hover svg {
  stroke: var(--navy-900);
}

/* -- TRUST STRIP -- */
.trust-strip {
  background: var(--navy-900);
  padding: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.04);
  border-bottom: 3px solid var(--gold-400);
  overflow: hidden;
  position: relative;
}

.trust-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(201, 142, 0, 0.06) 0%, transparent 70%);
}

.trust-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  position: relative;
  z-index: 1;
}

.trust-cell {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 50px 24px;
  border-right: 1px solid rgba(255, 255, 255, 0.06);
  position: relative;
  transition: var(--t-base);
}

.trust-cell::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255, 255, 255, 0);
  transition: background var(--t-base);
}

.trust-cell:hover::before {
  background: rgba(255, 255, 255, 0.025);
}

.trust-cell:last-child {
  border-right: none;
}

.trust-num {
  font-family: var(--ff-display);
  font-size: clamp(40px, 4.5vw, 58px);
  color: var(--gold-300);
  font-weight: 400;
  line-height: 1;
  margin-bottom: 10px;
  display: block;
}

.trust-lbl {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255, 255, 255, 0.45);
}

/* -- SERVICES -- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 60px;
}

.svc-card {
  background: var(--surface);
  border-radius: var(--r-2xl);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
  transition: transform 0.4s var(--ease-spring), box-shadow 0.4s var(--ease), border-color 0.3s;
  display: flex;
  flex-direction: column;
  position: relative;
}

.svc-card:hover {
  transform: translateY(-12px);
  box-shadow: var(--shadow-xl);
  border-color: var(--border-warm);
}

.svc-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200));
  opacity: 0;
  transition: opacity 0.35s;
}

.svc-card:hover::before {
  opacity: 1;
}

.svc-img {
  position: relative;
  height: 250px;
  overflow: hidden;
}

.svc-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}

.svc-card:hover .svc-img img {
  transform: scale(1.1);
}

.svc-img-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 45%, rgba(2, 12, 27, 0.55));
}

.svc-icon-badge {
  position: absolute;
  bottom: -22px;
  left: 28px;
  width: 50px;
  height: 50px;
  background: linear-gradient(145deg, var(--navy-900), var(--navy-600));
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  border: 3px solid var(--surface);
  z-index: 2;
}

.svc-icon-badge svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold-300);
}

.svc-body {
  padding: 40px 28px 32px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.svc-body h3 {
  font-size: 22px;
  margin-bottom: 12px;
  color: var(--text-primary);
}

.svc-body p {
  font-size: 14.5px;
  color: var(--text-muted);
  line-height: 1.75;
  flex: 1;
  margin-bottom: 24px;
}

/* -- HERO SLIDER CARDS -- */
.svc-hero-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 60px;
}

.svc-hero-card {
  position: relative;
  border-radius: var(--r-2xl);
  overflow: hidden;
  min-height: 480px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  cursor: pointer;
  box-shadow: 0 8px 40px rgba(2, 12, 27, 0.45);
  transition: transform 0.45s var(--ease-spring), box-shadow 0.45s var(--ease);
}

.svc-hero-card:hover {
  transform: translateY(-10px) scale(1.02);
  box-shadow: 0 24px 60px rgba(2, 12, 27, 0.6);
}

.svc-hero-card .shc-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transition: transform 0.8s var(--ease);
}

.svc-hero-card:hover .shc-bg {
  transform: scale(1.08);
}

.svc-hero-card .shc-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(2, 12, 27, 0.08) 0%, rgba(2, 12, 27, 0.3) 40%, rgba(2, 12, 27, 0.88) 100%);
  transition: background 0.4s;
}

.svc-hero-card:hover .shc-overlay {
  background: linear-gradient(180deg, rgba(2, 12, 27, 0.1) 0%, rgba(2, 12, 27, 0.35) 40%, rgba(2, 12, 27, 0.93) 100%);
}

.shc-top-badge {
  position: absolute;
  top: 22px;
  left: 22px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  color: var(--navy-950);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
  z-index: 3;
}

.shc-icon {
  position: absolute;
  top: 22px;
  right: 22px;
  width: 46px;
  height: 46px;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 3;
}

.shc-icon svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold-200);
}

.shc-body {
  position: relative;
  z-index: 2;
  padding: 28px 28px 32px;
}

.shc-rule {
  width: 36px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200));
  border-radius: 2px;
  margin-bottom: 14px;
  transition: width 0.4s var(--ease);
}

.svc-hero-card:hover .shc-rule {
  width: 60px;
}

.shc-body h3 {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.25;
}

.shc-body p {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.75;
  margin-bottom: 22px;
}

.shc-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--gold-300);
  text-transform: uppercase;
  text-decoration: none;
  transition: gap 0.3s var(--ease), color 0.3s;
}

.shc-link:hover {
  gap: 14px;
  color: var(--gold-200);
}

.shc-link svg {
  width: 16px;
  height: 16px;
  stroke: currentColor;
  flex-shrink: 0;
}

/* -- ABOUT SPLIT -- */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-visual {
  position: relative;
}

.about-main-img {
  width: 100%;
  height: 560px;
  object-fit: cover;
  border-radius: var(--r-2xl);
  box-shadow: var(--shadow-xl);
}

.about-accent-img {
  position: absolute;
  bottom: -30px;
  right: -30px;
  width: 200px;
  height: 200px;
  object-fit: cover;
  border-radius: var(--r-xl);
  border: 6px solid var(--surface);
  box-shadow: var(--shadow-lg);
}

.about-badge-box {
  position: absolute;
  top: 36px;
  left: -24px;
  background: linear-gradient(145deg, var(--gold-400), var(--gold-300));
  border-radius: var(--r-xl);
  padding: 26px 30px;
  text-align: center;
  box-shadow: var(--shadow-gold);
  min-width: 140px;
}

.about-badge-num {
  font-family: var(--ff-display);
  font-size: 44px;
  color: var(--navy-900);
  font-weight: 400;
  line-height: 1;
  display: block;
}

.about-badge-lbl {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--navy-700);
  margin-top: 6px;
  display: block;
}

/* Decorative ring */
.about-visual::after {
  content: '';
  position: absolute;
  bottom: -45px;
  right: -45px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  border: 28px solid var(--warm-100);
  z-index: -1;
}

/* Mini stat row */
.about-stats {
  display: flex;
  gap: 0;
  border-radius: var(--r-xl);
  overflow: hidden;
  border: 1px solid var(--border);
  margin: 30px 0;
}

.about-stat {
  flex: 1;
  padding: 22px 18px;
  text-align: center;
  background: var(--surface-alt);
  border-right: 1px solid var(--border);
  transition: var(--t-base);
}

.about-stat:hover {
  background: var(--warm-100);
}

.about-stat:last-child {
  border-right: none;
}

.about-stat-val {
  font-family: var(--ff-display);
  font-size: 28px;
  color: var(--navy-700);
  line-height: 1;
  display: block;
  margin-bottom: 5px;
}

.about-stat-lbl {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  display: block;
}

/* Features checklist */
.features-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 0 0 38px;
}

.feat-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}

.feat-check {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: rgba(10, 26, 64, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  border: 1px solid rgba(10, 26, 64, 0.1);
}

.feat-check svg {
  width: 12px;
  height: 12px;
  stroke: var(--navy-600);
}

.feat-item strong {
  display: block;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
}

.feat-item span {
  display: block;
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* -- RATES TABLE -- */
.rate-wrap {
  overflow-x: auto;
  border-radius: var(--r-2xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  margin-top: 52px;
  background: var(--surface);
}

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

.rate-table thead {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
}

.rate-table th {
  padding: 20px 28px;
  font-family: var(--ff-sans);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255, 255, 255, 0.75);
  text-align: left;
  white-space: nowrap;
}

.rate-table th:first-child {
  border-radius: var(--r-xl) 0 0 0;
}

.rate-table th:last-child {
  border-radius: 0 var(--r-xl) 0 0;
}

.rate-table td {
  padding: 18px 28px;
  font-size: 15px;
  color: var(--text-primary);
  font-weight: 500;
  border-bottom: 1px solid var(--slate-200);
}

.rate-table tr:last-child td {
  border-bottom: none;
}

.rate-table tbody tr {
  transition: background 0.18s;
}

.rate-table tbody tr:hover td {
  background: var(--warm-50);
}

.rate-tag {
  display: inline-block;
  padding: 4px 14px;
  background: linear-gradient(135deg, rgba(201, 142, 0, 0.1), rgba(240, 192, 64, 0.08));
  color: var(--gold-600);
  font-weight: 800;
  font-size: 13.5px;
  border-radius: var(--r-full);
  border: 1px solid var(--border-warm);
}

.table-note {
  font-size: 12.5px;
  color: var(--text-faint);
  font-style: italic;
  margin-top: 18px;
}

/* -- TESTIMONIALS -- */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}

.testi-card {
  background: var(--surface);
  padding: 44px 36px;
  border-radius: var(--r-2xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
  position: relative;
  transition: transform 0.4s var(--ease-spring), box-shadow 0.4s;
  overflow: hidden;
}

.testi-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200));
  opacity: 0;
  transition: opacity 0.35s;
}

.testi-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
}

.testi-card:hover::before {
  opacity: 1;
}

.testi-quote-icon {
  position: absolute;
  top: 22px;
  right: 28px;
  font-family: var(--ff-display);
  font-size: 110px;
  color: rgba(10, 26, 64, 0.04);
  line-height: 1;
  user-select: none;
}

.testi-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 20px;
}

.testi-stars svg {
  width: 16px;
  height: 16px;
  fill: var(--gold-400);
}

.testi-text {
  font-size: 15px;
  line-height: 1.82;
  color: var(--text-secondary);
  font-style: italic;
  margin-bottom: 28px;
  position: relative;
  z-index: 1;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 13px;
}

.testi-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-500));
  color: var(--text-inverse);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--ff-display);
  font-size: 19px;
  font-weight: 400;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(6, 15, 42, 0.25);
}

.testi-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
}

.testi-role {
  font-size: 12px;
  color: var(--text-faint);
}

/* -- ENQUIRY SECTION -- */
.enquiry-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.eq-contact-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 16px;
}

.eq-contact-item {
  display: flex;
  gap: 16px;
  align-items: center;
  padding: 18px;
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  background: var(--surface-alt);
  transition: var(--t-base);
  cursor: default;
}

.eq-contact-item:hover {
  border-color: var(--border-warm);
  background: var(--warm-50);
}

.eq-icon {
  width: 46px;
  height: 46px;
  background: var(--navy-900);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}

.eq-icon svg {
  width: 20px;
  height: 20px;
  stroke: var(--gold-300);
}

.eq-label {
  font-size: 10.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-500);
  margin-bottom: 4px;
}

.eq-value {
  font-size: 15px;
  font-weight: 600;
  color: var(--text-primary);
}

/* Form */
.form-card {
  background: var(--surface);
  border-radius: var(--r-2xl);
  padding: 52px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}

.form-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-300), var(--navy-400));
}

.form-card h3 {
  font-size: 28px;
  margin-bottom: 6px;
}

.form-card>p {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 36px;
}

.enquiry-form {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 13px 16px;
  background: var(--surface-alt);
  border: 1.5px solid var(--border);
  border-radius: var(--r-md);
  font-size: 15px;
  color: var(--text-primary);
  transition: var(--t-fast);
  width: 100%;
  appearance: none;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--text-faint);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy-400);
  background: var(--surface);
  box-shadow: 0 0 0 3px rgba(56, 96, 196, 0.1);
}

.form-group textarea {
  min-height: 110px;
  resize: vertical;
}

.form-submit {
  width: 100%;
  border-radius: var(--r-md);
  padding: 16px;
  font-size: 15px;
}

/* -- CTA STRIP -- */
.cta-strip {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 50%, var(--navy-700) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}

.cta-strip::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -120px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: rgba(201, 142, 0, 0.05);
  pointer-events: none;
}

.cta-strip::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -60px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(56, 96, 196, 0.08);
  pointer-events: none;
}

.cta-inner {
  position: relative;
  z-index: 2;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.cta-text h2 {
  color: var(--text-inverse);
  font-size: clamp(24px, 3.2vw, 40px);
  margin-bottom: 10px;
  font-weight: 400;
}

.cta-text p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 17px;
}

.cta-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* -- FOOTER -- */
.site-footer {
  background: var(--navy-950);
}

.footer-body {
  padding: 90px 0 60px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2.4fr 1fr 1fr 1.6fr;
  gap: 60px;
}

.footer-brand p {
  font-size: 14.5px;
  color: rgba(255, 255, 255, 0.5);
  line-height: 1.82;
  margin: 20px 0 26px;
  max-width: 300px;
}

.footer-reg-badge {
  display: inline-block;
  font-size: 16px;
  font-weight: 700;
  color: var(--gold-300);
  padding: 8px 14px;
  background: rgba(201, 142, 0, 0.07);
  border-radius: var(--r-sm);
  border: 1px solid rgba(201, 142, 0, 0.15);
  line-height: 1.6;
}

.footer-col h4 {
  color: var(--text-inverse);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-bottom: 24px;
  padding-bottom: 14px;
  position: relative;
  font-family: var(--ff-sans);
}

.footer-col h4::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  width: 32px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200));
  border-radius: var(--r-full);
}

.footer-links li {
  margin-bottom: 12px;
}

.footer-links a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 400;
  color: rgba(255, 255, 255, 0.5);
  transition: var(--t-fast);
}

.footer-links a::before {
  content: '→';
  display: inline-block;
  color: var(--gold-400);
  font-size: 14px;
  line-height: 1;
  opacity: 0;
  transition: opacity var(--t-fast), transform var(--t-fast);
  transform: translateX(-4px);
}

.footer-links a:hover {
  color: var(--gold-200);
  padding-left: 4px;
}

.footer-links a:hover::before {
  opacity: 1;
  transform: translateX(0);
}

.footer-contact-item {
  display: flex;
  gap: 14px;
  margin-bottom: 18px;
  align-items: flex-start;
}

.footer-contact-item svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold-400);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-contact-item span {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.65;
}

/* Footer logo in dark */
.site-footer .logo-name {
  color: var(--text-inverse) !important;
}

.site-footer .logo-tagline {
  color: rgba(255, 255, 255, 0.7) !important;
}

.site-footer .logo-mark svg {
  stroke: rgba(255, 255, 255, 0.9);
}

.site-footer .logo-gem {
  background: var(--navy-400) !important;
}

.footer-bottom-bar {
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-copy {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.32);
}

.footer-copy a {
  color: rgba(255, 255, 255, 0.32);
  transition: var(--t-fast);
}

.footer-copy a:hover {
  color: var(--gold-300);
}

/* -- PAGE BANNER (inner pages) -- */
.page-banner {
  position: relative;
  padding: 100px 0;
  text-align: center;
  overflow: hidden;
  background: var(--navy-950);
}

.page-banner-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.2;
  filter: blur(1px);
}

.page-banner::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(2, 12, 27, 0.7) 0%, rgba(6, 15, 42, 0.9) 100%);
}

.page-banner-content {
  position: relative;
  z-index: 2;
}

.page-banner h1 {
  color: var(--text-inverse);
  font-size: clamp(30px, 5vw, 52px);
  margin-bottom: 16px;
}

.page-banner .desc {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 18px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.55);
  padding: 8px 20px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--r-full);
  border: 1px solid rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(4px);
}

.breadcrumb a {
  color: var(--gold-300);
  transition: var(--t-fast);
}

.breadcrumb a:hover {
  color: var(--gold-200);
}

.breadcrumb span {
  opacity: 0.4;
}

/* -- SCROLL TO TOP -- */
.scroll-top {
  position: fixed;
  bottom: 36px;
  right: 36px;
  width: 52px;
  height: 52px;
  background: linear-gradient(145deg, var(--navy-800), var(--navy-600));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transition: var(--t-base);
  z-index: 999;
  cursor: pointer;
  border: 2px solid rgba(255, 255, 255, 0.08);
}

.scroll-top svg {
  width: 16px;
  height: 16px;
  stroke: var(--text-inverse);
}

.scroll-top.show {
  opacity: 1;
  visibility: visible;
}

.scroll-top:hover {
  background: linear-gradient(145deg, var(--gold-400), var(--gold-300));
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
}

.scroll-top:hover svg {
  stroke: var(--navy-900);
}

/* -- INNER PAGE CONTENT -- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.two-col.reverse .col-img {
  order: 2;
}

.col-img img {
  width: 100%;
  height: 440px;
  object-fit: cover;
  border-radius: var(--r-2xl);
  box-shadow: var(--shadow-xl);
}

.col-img {
  position: relative;
}

.col-img::before {
  content: '';
  position: absolute;
  inset: -12px;
  border-radius: var(--r-2xl);
  border: 2px solid var(--warm-100);
  z-index: -1;
}

.check-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 24px 0 36px;
}

.check-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.check-dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.check-dot svg {
  width: 11px;
  height: 11px;
  stroke: var(--gold-300);
}

.check-item span {
  font-size: 14.5px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* Cards grid (core values, vision etc) */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 52px;
}

.card-item {
  background: var(--surface);
  border-radius: var(--r-xl);
  padding: 36px 30px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
  transition: transform 0.4s var(--ease-spring), box-shadow 0.4s, border-color 0.3s;
}

.card-item:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--border-warm);
}

.card-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--r-md);
  background: rgba(10, 26, 64, 0.06);
  border: 1px solid rgba(10, 26, 64, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
  transition: var(--t-base);
}

.card-item:hover .card-icon {
  background: var(--navy-900);
}

.card-icon svg {
  width: 26px;
  height: 26px;
  stroke: var(--navy-700);
  transition: stroke var(--t-base);
}

.card-item:hover .card-icon svg {
  stroke: var(--gold-300);
}

.card-item h3 {
  font-size: 20px;
  margin-bottom: 10px;
}

.card-item p {
  font-size: 14px;
}

/* Stakeholder */
.stakeholder-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 52px;
}

.sh-card {
  background: var(--surface);
  border-radius: var(--r-2xl);
  text-align: center;
  padding: 44px 28px 36px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
  transition: transform 0.4s var(--ease-spring), box-shadow 0.4s;
}

.sh-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
}

.sh-av {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: linear-gradient(145deg, var(--navy-900), var(--navy-500));
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--ff-display);
  font-size: 32px;
  color: var(--text-inverse);
  font-weight: 400;
  box-shadow: 0 8px 24px rgba(6, 15, 42, 0.28);
}

.sh-name {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.sh-role {
  font-size: 13px;
  color: var(--text-muted);
}

/* Gallery */
.gallery-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 48px;
}

.gallery-item {
  position: relative;
  overflow: hidden;
  border-radius: var(--r-lg);
  aspect-ratio: 4/3;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: var(--t-base);
}

.gallery-item:hover {
  box-shadow: var(--shadow-lg);
}

.gallery-item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s var(--ease);
}

.gallery-item:hover img {
  transform: scale(1.1);
}

.gallery-overlay {
  position: absolute;
  inset: 0;
  background: rgba(2, 12, 27, 0.65);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: var(--t-base);
}

.gallery-item:hover .gallery-overlay {
  opacity: 1;
}

.gallery-overlay svg {
  width: 36px;
  height: 36px;
  stroke: var(--text-inverse);
}

/* Holiday table */
.holiday-table {
  width: 100%;
  border-collapse: collapse;
}

.holiday-table th {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.8);
  padding: 18px 48px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  text-align: center;
}

.holiday-table td {
  padding: 16px 48px;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-primary);
  border-bottom: 1px solid var(--slate-200);
  text-align: center;
}

.holiday-table tr:last-child td {
  border-bottom: none;
}

.holiday-table tbody tr:hover td {
  background: var(--warm-50);
}

/* Finance table */
.finance-table-wrap {
  background: var(--surface);
  border-radius: var(--r-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  margin-top: 40px;
}

/* -- SCROLL REVEAL -- */
[data-reveal] {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}

[data-reveal].revealed {
  opacity: 1;
  transform: translateY(0);
}

[data-reveal-delay="1"] {
  transition-delay: 0.1s;
}

[data-reveal-delay="2"] {
  transition-delay: 0.2s;
}

[data-reveal-delay="3"] {
  transition-delay: 0.3s;
}

[data-reveal-delay="4"] {
  transition-delay: 0.4s;
}

[data-reveal-delay="5"] {
  transition-delay: 0.5s;
}

/* -- RESPONSIVE -- */
@media (max-width: 1100px) {
  .footer-grid {
    grid-template-columns: 1.5fr 1fr 1fr;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

  .about-grid {
    gap: 52px;
  }
}

@media (max-width: 960px) {
  .hero-content {
    grid-template-columns: 1fr;
  }

  .hero-card {
    display: none;
  }

  .services-grid,
  .svc-hero-grid,
  .testi-grid,
  .cards-grid,
  .stakeholder-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-grid,
  .enquiry-grid,
  .two-col {
    grid-template-columns: 1fr;
    gap: 44px;
  }

  .two-col.reverse .col-img {
    order: 0;
  }

  .trust-inner {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-cell:nth-child(2) {
    border-right: none;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .hero {
    min-height: 340px;
  }

  .cta-inner {
    flex-direction: column;
    text-align: center;
  }

  .cta-actions {
    justify-content: center;
  }

  .about-accent-img {
    display: none;
  }

  .about-main-img {
    height: 420px;
  }

  .about-visual::after {
    display: none;
  }
}

@media (max-width: 640px) {

  .wrap,
  .wrap-sm {
    padding: 0 20px;
  }

  .section {
    padding: 72px 0;
  }

  .section-sm {
    padding: 52px 0;
  }

  .services-grid,
  .svc-hero-grid,
  .testi-grid,
  .cards-grid,
  .stakeholder-grid,
  .gallery-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .trust-inner {
    grid-template-columns: repeat(2, 1fr);
  }

  .hero {
    min-height: 600px;
  }

  .topbar {
    display: none;
  }

  .form-row-2 {
    grid-template-columns: 1fr;
  }

  .about-badge-box {
    top: 20px;
    left: 12px;
  }

  .features-list {
    grid-template-columns: 1fr;
  }

  .footer-bottom-bar {
    flex-direction: column;
    text-align: center;
  }

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .col-img::before {
    display: none;
  }

  .form-card {
    padding: 32px 24px;
  }

  .trust-cell:nth-child(odd) {
    border-right: 1px solid rgba(255, 255, 255, 0.06);
  }

  .trust-cell:nth-child(even) {
    border-right: none;
  }
}

/* -- LIGHTBOX -- */
.lightbox-backdrop {
  position: fixed;
  inset: 0;
  z-index: 2000;
  background: rgba(2, 12, 27, 0.97);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s var(--ease), visibility 0.35s;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.lightbox-backdrop.open {
  opacity: 1;
  visibility: visible;
}

.lightbox-img-wrap {
  position: relative;
  max-width: 92vw;
  max-height: 88vh;
  display: flex;
  align-items: center;
  justify-content: center;
}

.lightbox-img {
  max-width: 92vw;
  max-height: 88vh;
  width: auto;
  height: auto;
  object-fit: contain;
  border-radius: var(--r-lg);
  box-shadow: 0 32px 100px rgba(0, 0, 0, 0.7);
  transform: scale(0.82) translateY(18px);
  opacity: 0;
  transition: transform 0.42s var(--ease-spring), opacity 0.38s var(--ease-out);
  display: block;
  user-select: none;
  -webkit-user-drag: none;
}

.lightbox-backdrop.open .lightbox-img {
  transform: scale(1) translateY(0);
  opacity: 1;
}

/* Close button */
.lightbox-close {
  position: fixed;
  top: 24px;
  right: 28px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1.5px solid rgba(255, 255, 255, 0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--t-base);
  z-index: 2010;
  color: rgba(255, 255, 255, 0.85);
}

.lightbox-close:hover {
  background: rgba(201, 142, 0, 0.25);
  border-color: var(--gold-400);
  color: var(--gold-300);
  transform: rotate(90deg) scale(1.1);
}

.lightbox-close svg {
  width: 18px;
  height: 18px;
  stroke: currentColor;
  stroke-width: 2.5;
  stroke-linecap: round;
}

/* Prev / Next arrows */
.lightbox-prev,
.lightbox-next {
  position: fixed;
  top: 50%;
  transform: translateY(-50%);
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.07);
  border: 1.5px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--t-base);
  z-index: 2010;
  color: rgba(255, 255, 255, 0.8);
}

.lightbox-prev {
  left: 20px;
}

.lightbox-next {
  right: 20px;
}

.lightbox-prev svg,
.lightbox-next svg {
  width: 18px;
  height: 18px;
  stroke: currentColor;
  stroke-width: 2.5;
  stroke-linecap: round;
}

.lightbox-prev:hover,
.lightbox-next:hover {
  background: var(--gold-400);
  border-color: var(--gold-300);
  color: var(--navy-900);
  transform: translateY(-50%) scale(1.1);
}

/* Counter pill */
.lightbox-counter {
  position: fixed;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  padding: 7px 20px;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--r-full);
  font-family: var(--ff-sans);
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.6);
  z-index: 2010;
  letter-spacing: 0.08em;
}

/* Cursor on gallery items */
.gallery-item {
  cursor: zoom-in;
}

/* ============================================================
   ANNUAL RETURN � Form MGT-7 Download Cards
   ============================================================ */

.ar-grid {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 48px;
}

.ar-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 20px 24px;
  box-shadow: var(--shadow-xs);
  transition: box-shadow 0.25s ease, border-color 0.25s ease, transform 0.2s ease;
}

.ar-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold-300);
  transform: translateY(-2px);
}

.ar-card-latest {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  border-color: var(--gold-400);
  box-shadow: var(--shadow-gold);
}

.ar-card-latest:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 44px rgba(201, 142, 0, 0.28);
}

.ar-card-left {
  display: flex;
  align-items: center;
  gap: 18px;
  flex: 1;
}

.ar-icon {
  width: 52px;
  height: 52px;
  min-width: 52px;
  border-radius: var(--r-md);
  background: var(--slate-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-600);
}

.ar-icon svg {
  width: 26px;
  height: 26px;
}

.ar-card-latest .ar-icon {
  background: rgba(201, 142, 0, 0.15);
  color: var(--gold-300);
}

.ar-info {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.ar-form-tag {
  font-family: var(--ff-sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
  display: block;
}

.ar-card-latest .ar-form-tag {
  color: var(--gold-300);
}

.ar-title {
  font-family: var(--ff-sans);
  font-size: 17px;
  font-weight: 600;
  color: var(--navy-800);
  margin: 0;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.ar-card-latest .ar-title {
  color: #fff;
}

.ar-year-badge {
  font-size: 12px;
  font-weight: 500;
  color: var(--text-muted);
  font-family: var(--ff-sans);
}

.ar-card-latest .ar-year-badge {
  color: rgba(255, 255, 255, 0.55);
}

.ar-latest-tag {
  display: inline-flex;
  align-items: center;
  padding: 3px 10px;
  background: var(--gold-400);
  color: var(--navy-900);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: var(--r-full);
  vertical-align: middle;
}

.ar-download-btn {
  min-width: 148px;
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: var(--r-full);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-decoration: none;
  transition: var(--t-base);
}

.ar-download-btn svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}

/* finance-table-wrap utility used on finance page */
.finance-table-wrap {
  overflow-x: auto;
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}

/* -- Responsive -- */
@media (max-width: 640px) {
  .ar-card {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    padding: 18px 18px;
  }

  .ar-download-btn {
    width: 100%;
    justify-content: center;
  }

  .ar-card-left {
    gap: 14px;
  }

  .ar-title {
    font-size: 15px;
  }
}

/* ============================================================
   DOWNLOADS PAGE � Section-based Download Listing
   ============================================================ */

/* Section wrapper */
.dl-section {
  margin-bottom: 8px;
}

/* Section header row */
.dl-section-header {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  margin-bottom: 28px;
}

/* Coloured section icon circle */
.dl-section-icon {
  width: 64px;
  height: 64px;
  min-width: 64px;
  border-radius: var(--r-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.dl-section-icon svg {
  width: 28px;
  height: 28px;
}

.dl-icon-amber {
  background: rgba(224, 169, 0, 0.12);
  color: var(--gold-500);
  border: 1.5px solid rgba(224, 169, 0, 0.22);
}

.dl-icon-blue {
  background: rgba(30, 63, 160, 0.08);
  color: var(--navy-500);
  border: 1.5px solid rgba(30, 63, 160, 0.15);
}

.dl-icon-gold {
  background: linear-gradient(135deg, rgba(201, 142, 0, 0.15), rgba(240, 192, 64, 0.1));
  color: var(--gold-600);
  border: 1.5px solid rgba(201, 142, 0, 0.2);
}

/* Section meta text */
.dl-section-meta {
  flex: 1;
}

.dl-section-title {
  font-family: var(--ff-sans);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy-800);
  margin: 0 0 6px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.dl-section-count {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  background: var(--slate-100);
  border: 1px solid var(--border);
  border-radius: var(--r-full);
  padding: 3px 10px;
}

.dl-section-desc {
  font-size: 14px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
}

/* Grid of download cards */
.dl-grid {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* Individual card */
.dl-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 18px 22px;
  box-shadow: var(--shadow-xs);
  transition: box-shadow 0.25s ease, border-color 0.25s ease, transform 0.2s ease;
}

.dl-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(30, 63, 160, 0.2);
  transform: translateY(-2px);
}

/* Featured card (gold highlight for primary form) */
.dl-card-featured {
  background: linear-gradient(135deg, var(--warm-50) 0%, #fff 100%);
  border-color: var(--gold-300);
  box-shadow: 0 4px 18px rgba(201, 142, 0, 0.1);
}

.dl-card-featured:hover {
  border-color: var(--gold-400);
  box-shadow: 0 10px 36px rgba(201, 142, 0, 0.18);
}

/* Left side of card (icon + info) */
.dl-card-left {
  display: flex;
  align-items: center;
  gap: 16px;
  flex: 1;
  min-width: 0;
}

/* File type icon */
.dl-file-icon {
  width: 50px;
  height: 50px;
  min-width: 50px;
  border-radius: var(--r-md);
  background: #fff5f5;
  border: 1px solid rgba(220, 50, 50, 0.12);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 2px;
  color: #c0392b;
}

.dl-file-icon svg {
  width: 22px;
  height: 22px;
}

/* PDF badge inside icon */
.dl-ext {
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: #c0392b;
  line-height: 1;
}

/* Text info block */
.dl-info {
  display: flex;
  flex-direction: column;
  gap: 3px;
  min-width: 0;
}

/* Form category label (e.g. KYC Forms) */
.dl-form-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-600);
  display: block;
}

/* Card title */
.dl-title {
  font-family: var(--ff-sans);
  font-size: 16px;
  font-weight: 600;
  color: var(--navy-800);
  margin: 0;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

/* Subtitle / description */
.dl-meta {
  font-size: 12px;
  color: var(--text-muted);
  font-family: var(--ff-sans);
  display: block;
}

/* Alphabet range badge (A-F, G-L, etc.) */
.dl-alpha-badge {
  display: inline-flex;
  align-items: center;
  padding: 2px 10px;
  background: var(--navy-100);
  color: var(--navy-700);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  border-radius: var(--r-full);
  font-family: var(--ff-sans);
  width: fit-content;
}

/* Divider between sections */
.dl-divider {
  height: 1px;
  background: linear-gradient(to right, transparent, var(--border), transparent);
  margin: 48px 0;
}

/* -- Responsive -- */
@media (max-width: 640px) {
  .dl-section-header {
    flex-direction: column;
    gap: 14px;
  }

  .dl-section-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
  }

  .dl-section-title {
    font-size: 18px;
  }

  .dl-card {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    padding: 16px;
  }

  .dl-card-left {
    gap: 12px;
  }

  .dl-title {
    font-size: 14px;
    white-space: normal;
  }

  .ar-download-btn {
    width: 100%;
    justify-content: center;
  }
}

/* ============================================================
   NOTICE BOARD PAGE � nb-* components
   ============================================================ */

.nb-notice-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 40px 48px;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}

.nb-notice-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-300));
}

.nb-notice-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 20px;
}

.nb-notice-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(224, 169, 0, 0.12);
  color: var(--gold-600);
  border: 1.5px solid rgba(224, 169, 0, 0.25);
  border-radius: var(--r-full);
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.nb-notice-badge svg {
  width: 14px;
  height: 14px;
  stroke: var(--gold-500);
}

.nb-notice-date {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  background: var(--slate-100);
  border: 1px solid var(--border);
  border-radius: var(--r-full);
  padding: 5px 14px;
}

.nb-notice-title {
  font-family: var(--ff-display);
  font-size: 32px;
  color: var(--navy-800);
  margin: 0 0 4px;
  font-style: italic;
}

.nb-intro-text {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 32px;
  padding: 18px 22px;
  background: var(--slate-100);
  border-left: 4px solid var(--gold-400);
  border-radius: 0 var(--r-md) var(--r-md) 0;
}

/* Numbered notice points */
.nb-point {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
}

.nb-point:last-of-type {
  border-bottom: none;
  margin-bottom: 0;
}

.nb-point-num {
  width: 40px;
  height: 40px;
  min-width: 40px;
  border-radius: 50%;
  background: var(--navy-800);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 700;
  font-family: var(--ff-sans);
  margin-top: 2px;
}

.nb-point-body {
  flex: 1;
}

.nb-point-title {
  font-family: var(--ff-sans);
  font-size: 17px;
  font-weight: 700;
  color: var(--navy-700);
  margin: 0 0 10px;
}

.nb-point-text {
  font-size: 14.5px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin: 0;
}

.nb-bullet-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.nb-bullet-list li {
  font-size: 14.5px;
  color: var(--text-secondary);
  line-height: 1.7;
  padding-left: 20px;
  position: relative;
}

.nb-bullet-list li::before {
  content: '\203A';
  position: absolute;
  left: 0;
  color: var(--gold-500);
  font-weight: 700;
}

/* Notice footer note */
.nb-notice-footer {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 28px;
  padding: 16px 20px;
  background: rgba(10, 26, 64, 0.04);
  border-radius: var(--r-md);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

.nb-notice-footer svg {
  width: 18px;
  height: 18px;
  min-width: 18px;
  stroke: var(--navy-400);
  margin-top: 1px;
}

.nb-notice-footer a {
  color: var(--gold-600);
  font-weight: 600;
  text-decoration: underline;
}

@media (max-width: 640px) {
  .nb-notice-card {
    padding: 24px 20px;
  }

  .nb-notice-title {
    font-size: 24px;
  }

  .nb-notice-header {
    flex-direction: column;
    align-items: flex-start;
  }

  .nb-point {
    gap: 14px;
  }

  .nb-point-num {
    width: 32px;
    height: 32px;
    min-width: 32px;
    font-size: 14px;
  }
}


/* ============================================================
   BANK DETAILS PAGE � bd-* components
   ============================================================ */

.bd-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 40px;
}

@media (max-width: 680px) {
  .bd-grid {
    grid-template-columns: 1fr;
  }
}

.bd-bank-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.25s ease, transform 0.2s ease;
}

.bd-bank-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.bd-card-featured {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  border-color: var(--gold-400);
  box-shadow: var(--shadow-gold);
}

.bd-card-featured:hover {
  box-shadow: 0 14px 48px rgba(201, 142, 0, 0.25);
}

.bd-bank-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 22px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}

.bd-card-featured .bd-bank-header {
  border-bottom-color: rgba(255, 255, 255, 0.12);
}

.bd-bank-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.bd-bank-icon svg {
  width: 24px;
  height: 24px;
}

.bd-icon-blue {
  background: rgba(30, 63, 160, 0.1);
  color: var(--navy-500);
  border: 1.5px solid rgba(30, 63, 160, 0.15);
}

.bd-icon-gold {
  background: rgba(201, 142, 0, 0.15);
  color: var(--gold-300);
  border: 1.5px solid rgba(201, 142, 0, 0.25);
}

.bd-bank-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 2px;
}

.bd-card-featured .bd-bank-label {
  color: rgba(255, 255, 255, 0.5);
}

.bd-bank-name {
  font-family: var(--ff-sans);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy-800);
  margin: 0;
}

.bd-card-featured .bd-bank-name {
  color: #fff;
}

/* Details table */
.bd-details-table {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.bd-row {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.bd-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.bd-card-featured .bd-label {
  color: rgba(255, 255, 255, 0.45);
}

.bd-value {
  font-size: 14px;
  color: var(--text-secondary);
  font-family: var(--ff-sans);
}

.bd-card-featured .bd-value {
  color: rgba(255, 255, 255, 0.8);
}

.bd-value-bold {
  font-weight: 700;
  color: var(--navy-800);
}

.bd-card-featured .bd-value-bold {
  color: #fff;
}

.bd-acc-num {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy-700);
  letter-spacing: 0.05em;
  font-family: var(--ff-sans);
}

.bd-card-featured .bd-acc-num {
  color: var(--gold-300);
}

.bd-ifsc {
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--navy-600);
  font-family: monospace;
  font-size: 14px;
}

.bd-card-featured .bd-ifsc {
  color: var(--gold-200);
}

/* Instruction box */
.bd-instruction-box {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: var(--navy-900);
  border-radius: var(--r-xl);
  padding: 32px;
  margin-top: 8px;
}

.bd-instruction-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: var(--r-md);
  background: rgba(201, 142, 0, 0.15);
  border: 1px solid rgba(201, 142, 0, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-300);
}

.bd-instruction-icon svg {
  width: 22px;
  height: 22px;
}

.bd-instruction-body {
  flex: 1;
}

.bd-instruction-title {
  font-family: var(--ff-sans);
  font-size: 18px;
  font-weight: 700;
  color: #fff;
  margin: 0 0 8px;
}

.bd-instruction-text {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.65);
  margin: 0 0 20px;
  line-height: 1.6;
}

/* Contact chips */
.bd-contact-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.bd-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 16px;
  border-radius: var(--r-full);
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  transition: var(--t-base);
  border: 1.5px solid transparent;
}

.bd-chip svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}

.bd-chip-whatsapp {
  background: rgba(37, 211, 102, 0.15);
  color: #25d366;
  border-color: rgba(37, 211, 102, 0.3);
}

.bd-chip-whatsapp:hover {
  background: #25d366;
  color: #fff;
  border-color: #25d366;
}

.bd-chip-phone {
  background: rgba(255, 255, 255, 0.07);
  color: rgba(255, 255, 255, 0.8);
  border-color: rgba(255, 255, 255, 0.15);
}

.bd-chip-phone:hover {
  background: var(--gold-400);
  color: var(--navy-900);
  border-color: var(--gold-400);
}

@media (max-width: 640px) {
  .bd-instruction-box {
    flex-direction: column;
    gap: 16px;
    padding: 22px;
  }

  .bd-bank-card {
    padding: 20px;
  }

  .bd-contact-chips {
    gap: 8px;
  }

  .bd-chip {
    font-size: 12px;
    padding: 8px 12px;
  }
}


/* --- Fixed Mobile Nav Breakpoint --- */
@media (max-width: 1350px) {
  .main-nav {
    display: none;
  }

  .nav-cta {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .mobile-nav-panel {
    display: block;
  }
}

/* --- Fresh Logo Typography --- */
.logo-name {
  font-size: 27px;
  white-space: normal;
  line-height: 1.2;
}

@media (max-width: 1400px) {
  .logo-name {
    font-size: 18px;
  }
}

@media (max-width: 960px) {
  .logo-name {
    font-size: 16px;
  }
}

@media (max-width: 640px) {
  .logo-name {
    font-size: 14px;
  }

  .logo-name br {
    display: block;
  }

  .logo img {
    width: 48px !important;
  }
}