/* ==========================================================================
   IDENTITY LOAN STUDIO — 1:1 VISUAL MOCKUP DESIGN SYSTEM
   ========================================================================== */

:root {
  /* Color Palette */
  --navy-dark: #060D19;
  --navy-hero: #081325;
  --navy-card: #0F1B30;
  --text-dark: #0F172A;
  --text-body: #475569;
  --text-muted: #94A3B8;
  --white: #FFFFFF;
  --light-bg: #F8FAFC;
  --card-bg: #FFFFFF;

  /* Brand Accents */
  --cyan: #00D2FF;
  --cyan-dark: #00A0E3;
  --orange: #F5A709;
  --color-orange: #F5A709;
  --orange-hover: #DB9400;
  --teal: #2DD4BF;
  --purple: #8B5CF6;
  --yellow: #FACC15;

  /* Borders & Shadows */
  --border-light: #E2E8F0;
  --border-dark: rgba(255, 255, 255, 0.12);
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 10px 30px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 20px 40px rgba(15, 23, 42, 0.14);
  --shadow-glow: 0 0 40px rgba(0, 210, 255, 0.25);

  /* Fonts */
  --font-main: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-script: 'Caveat', cursive;

  /* Dimensions */
  --navbar-h: 88px;
  --max-width: 1240px;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--navbar-h);
}

body {
  font-family: var(--font-main);
  font-size: 15px;
  color: var(--text-body);
  background-color: var(--light-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

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

ul {
  list-style: none;
}

button,
input,
select {
  font-family: inherit;
}

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

.container-fluid,
.container-full {
  width: 100%;
  max-width: 100%;
  margin: 0 auto;
  padding: 0 clamp(20px, 3.5vw, 48px);
}

.section {
  padding: 88px 0;
}

/* Typography Utilities */
.text-cyan {
  color: var(--cyan);
}

.script-text {
  font-family: var(--font-script);
  font-size: 24px;
  font-weight: 600;
  color: #00E5FF;
  display: inline-block;
  transform: rotate(-2deg);
}

.script-text--light {
  color: #7DD3FC;
}

.script-text--dark {
  color: #0369A1;
}

/* Color Dashes Header Decoration */
.color-dashes {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 12px;
}

.dash {
  height: 4px;
  border-radius: 2px;
}

.dash--yellow {
  width: 14px;
  background-color: var(--yellow);
}

.dash--teal {
  width: 22px;
  background-color: var(--teal);
}

.dash--blue {
  width: 14px;
  background-color: var(--cyan-dark);
}

.section__title {
  font-size: 36px;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
  letter-spacing: -0.5px;
  margin-bottom: 10px;
}

.section__title--white {
  color: var(--white);
}

.section__desc {
  font-size: 16px;
  color: var(--text-body);
  max-width: 600px;
}

.section__desc--light {
  color: #94A3B8;
}

.section__header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 48px;
}

.section__header--center,
.section__header.text-center,
.section__header[style*="text-align: center"],
.section__header[style*="text-align:center"] {
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 10px;
}

.section__header--left {
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  text-align: left;
  gap: 10px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 700;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  transition: all 0.25s ease;
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
}

.btn--primary,
.btn--orange {
  background-color: var(--orange);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(245, 167, 9, 0.35);
}

.btn--primary:hover,
.btn--orange:hover {
  background-color: var(--orange-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245, 167, 9, 0.45);
}

.btn--outline-light {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.25);
  backdrop-filter: blur(8px);
}

.btn--outline-light:hover {
  background: rgba(255, 255, 255, 0.18);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn--outline-dark {
  background: transparent;
  color: var(--text-dark);
  border-color: var(--border-light);
}

.btn--outline-dark:hover {
  background: var(--white);
  border-color: var(--text-dark);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.btn--lg {
  padding: 14px 28px;
  font-size: 15px;
}

.btn--full {
  width: 100%;
}

/* ==========================================================================
   NAVBAR
   ========================================================================== */
/* ==========================================================================
   NAVBAR
   ========================================================================== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: var(--navbar-h);
  z-index: 1000;
  background-color: rgba(6, 13, 25, 0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.navbar__logo-img {
  height: 128px;
  max-height: 108px;
  width: auto;
  object-fit: contain;
}

.navbar__links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.navbar__link {
  font-size: 14px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  transition: color 0.2s ease;
  padding: 8px 0;
  display: flex;
  align-items: center;
  gap: 4px;
}

.navbar__link:hover,
.navbar__link.active {
  color: var(--cyan);
}

.navbar__item--dropdown {
  position: relative;
  display: flex;
  align-items: center;
  height: 100%;
}

.navbar__link--dropdown-trigger {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}

.navbar__link--dropdown-trigger svg {
  transition: transform 0.25s ease;
}

.navbar__item--dropdown:hover .navbar__link--dropdown-trigger svg,
.navbar__item--dropdown.is-hovered .navbar__link--dropdown-trigger svg {
  transform: rotate(180deg);
}

/* Submenu Dropdown Container */
.navbar__dropdown-menu {
  position: absolute;
  top: calc(100% + 4px);
  left: -12px;
  min-width: 290px;
  background: #FFFFFF;
  border-radius: 20px;
  padding: 12px;
  margin: 0;
  list-style: none;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.25), 0 5px 15px rgba(0, 0, 0, 0.08);
  border: 1px solid rgba(0, 0, 0, 0.06);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity 0.22s cubic-bezier(0.16, 1, 0.3, 1),
    transform 0.22s cubic-bezier(0.16, 1, 0.3, 1),
    visibility 0.22s cubic-bezier(0.16, 1, 0.3, 1);
  pointer-events: none;
  z-index: 1100;
}

/* Invisible Bridge element to eliminate dead space during mouse transition */
.navbar__dropdown-menu::before {
  content: '';
  position: absolute;
  top: -24px;
  left: 0;
  width: 100%;
  height: 24px;
  background: transparent;
  pointer-events: auto;
}

/* Dropdown Open States */
.navbar__item--dropdown:hover .navbar__dropdown-menu,
.navbar__item--dropdown.is-hovered .navbar__dropdown-menu,
.navbar__item--dropdown:focus-within .navbar__dropdown-menu,
.navbar__dropdown-menu:hover {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}

/* Dropdown Menu Items */
.navbar__dropdown-menu li {
  margin: 0;
  padding: 0;
  list-style: none;
}

.navbar__dropdown-link {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 10px 14px;
  border-radius: 12px;
  color: #07162C !important;
  font-size: 14.5px;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.2s ease;
}

.navbar__dropdown-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: #F0F6FF;
  color: #00A0E3;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.2s ease;
}

.navbar__dropdown-link:hover {
  background: #F8FAFC;
  color: #00A0E3 !important;
  transform: translateX(3px);
}

.navbar__dropdown-link:hover .navbar__dropdown-icon {
  background: #00A0E3;
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(0, 160, 227, 0.3);
}

.navbar__actions {
  display: flex;
  align-items: center;
  gap: 24px;
}

.navbar__phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  transition: opacity 0.2s ease;
}

.navbar__phone:hover {
  opacity: 0.85;
}

.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.navbar__hamburger span {
  width: 24px;
  height: 2px;
  background-color: var(--white);
  border-radius: 2px;
}

/* Mobile Nav Overlay & Drawer */
.mobile-nav-overlay {
  display: none;
}

.mobile-nav {
  display: none;
}

@media (max-width: 1024px) {
  .navbar__hamburger {
    display: flex !important;
  }

  .mobile-nav-overlay {
    display: block;
    position: fixed;
    inset: 0;
    background: rgba(4, 14, 30, 0.75);
    backdrop-filter: blur(4px);
    z-index: 99990;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
  }

  .mobile-nav {
    display: flex;
    position: fixed;
    top: 0;
    right: 0;
    width: 300px;
    max-width: 85vw;
    height: 100vh;
    background: #07162C;
    z-index: 99999;
    padding: 24px;
    flex-direction: column;
    transform: translateX(100%);
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: -10px 0 30px rgba(0, 0, 0, 0.4);
    overflow-y: auto;
  }

  .mobile-nav__header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 32px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .mobile-nav__close {
    background: none;
    border: none;
    color: #FFFFFF;
    cursor: pointer;
    padding: 4px;
  }

  .mobile-nav__links {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 32px;
  }

  .mobile-nav__links a {
    font-size: 16px;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.9);
  }

  body.nav-open .mobile-nav-overlay {
    opacity: 1;
    visibility: visible;
  }

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


/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero {
  position: relative;
  background-color: var(--navy-hero);
  padding-top: calc(var(--navbar-h) + 40px);
  padding-bottom: 70px;
  color: var(--white);
  overflow: hidden;
  min-height: 640px;
}

.hero--subpage {
  min-height: 400px;
  padding-bottom: 50px;
}

.subpage-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 16px;
}

.subpage-breadcrumb a {
  color: #00A0E3;
  text-decoration: none;
  transition: color 0.2s ease;
}

.subpage-breadcrumb a:hover {
  color: #FFFFFF;
}

.breadcrumb-sep {
  opacity: 0.5;
}

.breadcrumb-current {
  color: rgba(255, 255, 255, 0.95);
}

.hero__content--full {
  max-width: 750px;
}

/* Background Building Overlay & Gradient Fade */
.hero__bg-image {
  position: absolute;
  top: 0;
  right: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  pointer-events: none;
}

.hero__bg-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center right;
  opacity: 1;
}

.hero__bg-gradient {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, #081325 22%, rgba(8, 19, 37, 0.75) 55%, transparent 100%);
}

.hero__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 30px;
  align-items: center;
  position: relative;
  z-index: 3;
}

.hero__eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 2px;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 16px;
}

.hero__title {
  font-size: 58px;
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -1.5px;
  margin-bottom: 20px;
  color: var(--white);
}

/* Visiting Card Bar Graph Multicolor Accents */
.hero-title--journey {
  color: #01A0E2; /* Visiting Card Blue */
}

.hero-title--values {
  color: #42B0A3; /* Visiting Card Teal */
}

.hero-title--dreams {
  color: #F5A709; /* Visiting Card Golden Yellow */
}

.hero__desc {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.82);
  max-width: 480px;
  line-height: 1.6;
  margin-bottom: 32px;
}

.hero__ctas {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 44px;
}

.hero__btn-orange {
  background: #F5A709;
  border-color: #F5A709;
  box-shadow: 0 6px 20px rgba(245, 167, 9, 0.4);
}

.hero__btn-orange:hover {
  background: #DB9400;
  border-color: #DB9400;
  transform: translateY(-2px);
}

.hero__btn-story {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #FFFFFF !important;
  background: rgba(255, 255, 255, 0.1);
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  backdrop-filter: blur(8px);
}

.hero__btn-story:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: #FFFFFF;
  color: #FFFFFF !important;
  transform: translateY(-2px);
}

.play-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #00A0E3;
  color: var(--white);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  padding-left: 2px;
}

.hero__stats {
  display: flex;
  align-items: center;
  gap: 28px;
}

.hero__stat-item {
  display: flex;
  align-items: center;
  gap: 12px;
}

.avatar-group {
  display: flex;
  align-items: center;
}

.avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 2px solid #081325;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  margin-left: -12px;
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.3);
}

.avatar--1 {
  margin-left: 0;
  background: linear-gradient(135deg, #00A0E3, #38BDF8);
}

.avatar--2 {
  background: linear-gradient(135deg, #6366F1, #818CF8);
}

.avatar--3 {
  background: linear-gradient(135deg, #EC4899, #F472B6);
}

.hero__stat-info strong {
  display: block;
  font-size: 18px;
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
}

.hero__stat-info span {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.65);
}

.hero__stat-divider {
  width: 1px;
  height: 36px;
  background-color: rgba(255, 255, 255, 0.15);
}

.hero__stat-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(0, 160, 227, 0.15);
  border: 1px solid rgba(0, 210, 255, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Hero Right Visual Column & Growth Graphic */
.hero__visual {
  position: relative;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  min-height: 480px;
}

.hero__annotation {
  position: absolute;
  top: 10px;
  left: 20px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
  z-index: 5;
}

.hero__growth-bars {
  position: absolute;
  bottom: 60px;
  left: 60px;
  display: flex;
  align-items: flex-end;
  gap: 12px;
  z-index: 2;
  opacity: 0.85;
}

.bar {
  width: 20px;
  border-radius: 6px;
}

.bar--1 {
  height: 90px;
  background: linear-gradient(to top, #0369A1, #0284C7);
}

.bar--2 {
  height: 140px;
  background: linear-gradient(to top, #0D9488, #2DD4BF);
}

.bar--3 {
  height: 190px;
  background: linear-gradient(to top, #0284C7, #00E5FF);
}

/* Floating Requirement Card */
.hero__card {
  width: 100%;
  max-width: 380px;
  background: var(--white);
  border-radius: 24px;
  padding: 28px;
  color: var(--text-dark);
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.35);
  position: relative;
  z-index: 10;
  border: 1px solid rgba(255, 255, 255, 0.8);
  box-sizing: border-box;
}

.hero__card-title {
  font-size: 17px;
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: 20px;
  color: #0F1B30;
}

/* Stepper Component */
.hero__stepper {
  position: relative;
  display: flex;
  justify-content: space-between;
  margin-bottom: 22px;
  padding: 0 10px;
}

.step-line {
  position: absolute;
  top: 14px;
  left: 30px;
  right: 30px;
  height: 2px;
  background: #E2E8F0;
  z-index: 1;
}

.step-item {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.step-circle {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid #CBD5E1;
  color: #64748B;
  font-size: 12px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-item.active .step-circle {
  background: #0284C7;
  border-color: #0284C7;
  color: var(--white);
}

.step-label {
  font-size: 11px;
  font-weight: 700;
  color: #64748B;
  white-space: nowrap;
}

.step-item.active .step-label {
  color: #0F172A;
}

.hero__card-label {
  font-size: 12px;
  font-weight: 700;
  color: #64748B;
  margin-bottom: 12px;
}

/* 2x2 Option Tiles */
.hero__card-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 22px;
}

.loan-option-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 16px 12px;
  border-radius: 14px;
  border: 1.5px solid #E2E8F0;
  background: #FAFAFA;
  cursor: pointer;
  position: relative;
  transition: all 0.2s ease;
  text-align: center;
}

.loan-option-tile:hover {
  border-color: #CBD5E1;
}

.loan-option-tile.active {
  border: 2px solid #F5A709;
  background: #FFFFFF;
  box-shadow: 0 4px 12px rgba(245, 167, 9, 0.18);
}

.tile-icon {
  margin-bottom: 8px;
}

.tile-text {
  font-size: 12px;
  font-weight: 800;
  color: #0F172A;
}

.tile-badge {
  position: absolute;
  top: 8px;
  right: 8px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #0284C7;
  color: var(--white);
  font-size: 9px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: opacity 0.2s ease;
}

.loan-option-tile.active .tile-badge {
  opacity: 1;
}

.hero__card-btn {
  background: #F5A709;
  border-color: #F5A709;
  font-size: 15px;
  font-weight: 800;
  padding: 14px;
  box-shadow: 0 4px 16px rgba(245, 167, 9, 0.35);
}

.hero__card-btn:hover {
  background: #DB9400;
  border-color: #DB9400;
}

.annotation-arrow {
  color: #00E5FF;
}

.hero__photo-wrapper {
  position: relative;
  width: 380px;
  height: 480px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
  border: 2px solid rgba(255, 255, 255, 0.1);
}

.hero__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
}

/* Hero Requirement Floating Card */
.hero__card {
  position: absolute;
  top: 40px;
  right: -30px;
  width: 340px;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  color: var(--text-dark);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
  z-index: 10;
}

.hero__card-title {
  font-size: 16px;
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 14px;
  color: var(--text-dark);
}

.hero__card-steps {
  display: flex;
  gap: 6px;
  margin-bottom: 16px;
}

.step-badge {
  font-size: 11px;
  font-weight: 700;
  padding: 4px 8px;
  border-radius: 6px;
  background: #F1F5F9;
  color: #64748B;
  display: flex;
  align-items: center;
  gap: 4px;
}

.step-badge.active {
  background: #0284C7;
  color: var(--white);
}

.step-num {
  font-size: 10px;
}

.hero__card-label {
  font-size: 12px;
  font-weight: 700;
  color: #64748B;
  margin-bottom: 10px;
}

.hero__card-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 18px;
}

.loan-option-tile {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 10px;
  border-radius: 10px;
  border: 1.5px solid #E2E8F0;
  background: #FAFAFA;
  cursor: pointer;
  position: relative;
  transition: all 0.2s ease;
}

.loan-option-tile:hover,
.loan-option-tile.active {
  border-color: #0284C7;
  background: #F0F9FF;
}

.tile-icon {
  width: 28px;
  height: 28px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 6px;
}

.tile-icon--blue {
  background: #0284C7;
  color: var(--white);
}

.tile-icon--slate {
  background: #E2E8F0;
  color: #475569;
}

.tile-text {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-dark);
}

.tile-check {
  position: absolute;
  top: 6px;
  right: 6px;
  font-size: 10px;
  color: #0284C7;
  display: none;
}

.loan-option-tile.active .tile-check {
  display: block;
}


/* ==========================================================================
   TRUST BAR STRIP
   ========================================================================== */
.trust-bar {
  margin-top: 50px;
  position: relative;
  z-index: 10;
}

.trust-bar__inner {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px 32px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 14px;
}

.trust-bar__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-bar__icon--blue {
  background: #E0F2FE;
  color: #0284C7;
}

.trust-bar__icon--navy {
  background: #F1F5F9;
  color: #1E293B;
}

.trust-bar__text strong {
  display: block;
  font-size: 14px;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
}

.trust-bar__text span {
  font-size: 12px;
  color: #64748B;
}

.trust-bar__divider {
  width: 1px;
  height: 36px;
  background: #E2E8F0;
}


/* ==========================================================================
   OUR LOAN SOLUTIONS
   ========================================================================== */
.solutions__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.solution-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 16px;
  border: 1px solid var(--border-light);
  display: flex;
  gap: 16px;
  align-items: center;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
  position: relative;
}

.solution-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #CBD5E1;
}

.solution-card__thumb {
  width: 80px;
  height: 80px;
  border-radius: 12px;
  overflow: hidden;
  flex-shrink: 0;
}

.solution-card__thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.solution-card__content {
  flex-grow: 1;
  padding-right: 32px;
}

.solution-card__content h3 {
  font-size: 15px;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.solution-card__content p {
  font-size: 12px;
  color: var(--text-body);
  line-height: 1.4;
}

.circle-arrow {
  position: absolute;
  bottom: 16px;
  right: 16px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  transition: transform 0.2s ease;
}

.solution-card:hover .circle-arrow {
  transform: translateX(2px);
}

.circle-arrow--teal {
  background: #0D9488;
}

.circle-arrow--blue {
  background: #0284C7;
}

.circle-arrow--orange {
  background: #EA580C;
}

.circle-arrow--purple {
  background: #7C3AED;
}


/* ==========================================================================
   WHY CHOOSE IDENTITY LOAN STUDIO — 3 COLUMN LAYOUT WITH TIMELINE
   ========================================================================== */
.why-us {
  background: linear-gradient(90deg, #FFFFFF 0%, #FFFFFF 60%, #F4F7FC 100%);
  padding: 90px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  position: relative;
  overflow: hidden;
}

.container-wide {
  max-width: 1360px;
  margin: 0 auto;
  padding: 0 32px;
}

.why-us__grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr 1.2fr;
  gap: 40px;
  align-items: center;
}

/* 1. Left Column */
.why-us__left {
  display: flex;
  flex-direction: column;
}

.why-us__eyebrow {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
  color: #8A99AD;
  display: block;
  margin-bottom: 12px;
}

.why-us__title {
  font-size: 46px;
  font-weight: 800;
  color: #0B132B;
  line-height: 1.05;
  letter-spacing: -1.2px;
  margin-bottom: 20px;
}

.why-us__title .highlight-cyan {
  color: #00A0E3;
}

.why-us__desc {
  font-size: 15px;
  color: #5A6B82;
  line-height: 1.6;
  margin-bottom: 24px;
  max-width: 440px;
}

.why-us__bullets {
  list-style: none;
  padding: 0;
  margin: 0 0 28px 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.why-bullet-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14.5px;
  font-weight: 700;
  color: #0F172A;
  line-height: 1.4;
}

.why-bullet-check {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #E8F4FE;
  border: 1.5px solid rgba(0, 160, 227, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #00A0E3;
}

.why-us__cta {
  align-self: flex-start;
  font-size: 14px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 30px;
  box-shadow: 0 6px 20px rgba(245, 167, 9, 0.35);
  margin-bottom: 0;
}

.why-us__trust-bar {
  display: flex;
  align-items: center;
  gap: 16px;
  padding-top: 16px;
  border-top: 1px solid #E2E8F0;
}

.why-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
}

.why-trust-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: #E8F4FE;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.why-trust-text strong {
  display: block;
  font-size: 13px;
  font-weight: 800;
  color: #0B132B;
  line-height: 1.1;
}

.why-trust-text span {
  font-size: 11px;
  color: #64748B;
}

.why-trust-divider {
  width: 1px;
  height: 28px;
  background: #E2E8F0;
}

/* 2. Center Column (Graphic Card Frame with Dark Badge & Organic Architecture Image) */
.why-us__center {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px 0;
}

.why-graphic-card {
  position: relative;
  width: 420px;
  min-height: 560px;
  background: #FFFFFF;
  border-radius: 28px;
  box-shadow: 0 24px 60px rgba(15, 23, 42, 0.12), 0 4px 16px rgba(15, 23, 42, 0.04);
  padding: 16px;
  overflow: visible;
}

/* Floating Dark Navy Badge */
.established-badge {
  position: absolute;
  top: 36px;
  left: -28px;
  z-index: 25;
  width: 220px;
  background: #0A1C33;
  border-radius: 24px;
  padding: 24px 20px;
  color: #FFFFFF;
  box-shadow: 0 18px 45px rgba(10, 28, 51, 0.45);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.est-eyebrow {
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 1.6px;
  color: #8CA3C7;
  display: block;
  margin-bottom: 4px;
  text-transform: uppercase;
}

.est-year {
  font-size: 48px;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1;
  letter-spacing: -1.5px;
  margin-bottom: 10px;
  font-family: 'Manrope', sans-serif;
}

.est-dash-multi {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 12px;
}

.est-dash-segment {
  height: 3px;
  border-radius: 2px;
}

.est-dash--yellow {
  width: 22px;
  background: #FFB800;
}

.est-dash--cyan {
  width: 45px;
  background: #00A0E3;
}

.est-text {
  font-size: 12px;
  color: #D1E1F5;
  line-height: 1.45;
  font-weight: 500;
}

/* Organic Curved Architecture Image Container */
.curved-building-wrapper {
  position: relative;
  width: 100%;
  height: 480px;
  overflow: hidden;
  border-radius: 20px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
}

.curved-building-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

/* Organic Cutout Clip-Path when supported */
@supports (clip-path: url(#organic-building-shape)) or (-webkit-clip-path: url(#organic-building-shape)) {
  .curved-building-wrapper {
    clip-path: url(#organic-building-shape);
    -webkit-clip-path: url(#organic-building-shape);
    border-radius: 0;
    box-shadow: none;
  }
}

/* Translucent Right Accents */
.why-right-accents {
  position: absolute;
  right: 22px;
  top: 38%;
  transform: translateY(-50%);
  display: flex;
  flex-direction: column;
  gap: 36px;
  z-index: 12;
  pointer-events: none;
}

.why-accent-dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid rgba(0, 160, 227, 0.28);
  background: rgba(255, 255, 255, 0.45);
}

/* Handwritten Cursive Annotation (Top Right over Golden Sky) */
.why-script-annotation {
  position: absolute;
  top: 36px;
  right: 28px;
  left: auto;
  bottom: auto;
  z-index: 30;
  transform: rotate(-4deg);
  text-align: right;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

.why-script-annotation .script-text {
  font-family: 'Caveat', cursive !important;
  font-size: 28px !important;
  font-weight: 700 !important;
  color: #0A1C33 !important;
  line-height: 1.1 !important;
  letter-spacing: -0.5px;
  text-shadow: 0 2px 10px rgba(255, 255, 255, 0.95), 0 0 16px rgba(255, 255, 255, 0.95);
}

.script-underline {
  display: block;
  margin-top: 2px;
}

/* Bottom Left Label inside card */
.why-card-bottom-label {
  position: absolute;
  bottom: 24px;
  left: 28px;
  z-index: 20;
  display: flex;
  flex-direction: column;
  line-height: 1.25;
}

.why-card-bottom-label strong {
  font-size: 16px;
  font-weight: 800;
  color: #0A1C33;
}

.why-card-bottom-label span {
  font-size: 12px;
  color: #64748B;
  font-weight: 600;
}

/* 3. Right Column (Vertical Step Timeline 01 to 05) */
.why-us__right {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding-left: 28px;
}

.timeline-axis {
  position: absolute;
  top: 24px;
  bottom: 24px;
  left: 12px;
  width: 2px;
  background: #E2E8F0;
  z-index: 1;
}

.timeline-item {
  position: relative;
  display: flex;
  align-items: center;
  gap: 20px;
  z-index: 2;
}

.timeline-node {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #FFFFFF;
  border: 2px solid #00A0E3;
  color: #00A0E3;
  font-size: 10px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(0, 160, 227, 0.2);
}

.timeline-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 16px;
  padding: 14px 18px;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.03);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  width: 100%;
}

.timeline-card:hover {
  transform: translateX(4px);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.08);
  border-color: #CBD5E1;
}

.timeline-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.timeline-content {
  display: flex;
  flex-direction: column;
}

.step-num {
  font-size: 11px;
  font-weight: 800;
  color: #8A99AD;
  margin-bottom: 2px;
}

.timeline-content h3 {
  font-size: 15px;
  font-weight: 800;
  color: #0B132B;
  margin-bottom: 2px;
  line-height: 1.2;
}

.timeline-content p {
  font-size: 12px;
  color: #5A6B82;
  line-height: 1.35;
}

.icon--green {
  background: #E6FAF0;
  color: #00C897;
}


/* ==========================================================================
   ELIGIBILITY & DOCUMENT CHECKLIST HUB
   ========================================================================== */
.doc-hub {
  position: relative;
  background: #F8FAFC;
  padding: 80px 0 85px 0;
  border-top: 1px solid #EEF2F6;
  border-bottom: 1px solid #EEF2F6;
}

.doc-hub__header {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 40px auto;
}

.doc-hub__eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 2px;
  color: #00A0E3;
  margin-bottom: 10px;
  text-transform: uppercase;
}

.doc-hub__title {
  font-size: 38px;
  font-weight: 800;
  color: #0B132B;
  letter-spacing: -0.8px;
  margin-bottom: 12px;
  font-family: 'Manrope', sans-serif;
  line-height: 1.15;
}

.doc-hub__desc {
  font-size: 15px;
  color: #5A6B82;
  line-height: 1.6;
  margin-bottom: 30px;
}

/* Tab Selector Pills */
.doc-hub__tabs {
  display: inline-flex;
  align-items: center;
  background: #FFFFFF;
  padding: 6px;
  border-radius: 40px;
  box-shadow: 0 4px 20px rgba(15, 23, 42, 0.06);
  border: 1px solid #E2E8F0;
  gap: 6px;
  flex-wrap: wrap;
  justify-content: center;
}

.doc-hub__tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 11px 22px;
  border-radius: 30px;
  border: none;
  background: transparent;
  color: #475569;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.25s ease;
  font-family: inherit;
}

.doc-hub__tab-btn .tab-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  color: #64748B;
  transition: color 0.25s ease;
}

.doc-hub__tab-btn:hover {
  color: #00A0E3;
  background: rgba(0, 160, 227, 0.06);
}

.doc-hub__tab-btn.active {
  background: linear-gradient(135deg, #00A0E3 0%, #0077B6 100%);
  color: #FFFFFF;
  box-shadow: 0 4px 14px rgba(0, 160, 227, 0.35);
}

.doc-hub__tab-btn.active .tab-icon {
  color: #FFFFFF;
}

/* Tab Panels */
.doc-hub__panels {
  margin-bottom: 36px;
}

.doc-hub__panel {
  display: none;
  animation: docFadeIn 0.35s ease forwards;
}

.doc-hub__panel.active {
  display: block;
}

@keyframes docFadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* 4-Column Responsive Grid */
.doc-hub__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.doc-card {
  background: #FFFFFF;
  border-radius: 18px;
  padding: 24px 22px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.doc-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.08);
  border-color: rgba(0, 160, 227, 0.35);
}

.doc-card__header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid #F1F5F9;
}

.doc-card__icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.doc-card__icon--blue {
  background: #E8F4FE;
  color: #00A0E3;
}

.doc-card__icon--teal {
  background: #E6FBF5;
  color: #10B981;
}

.doc-card__icon--orange {
  background: #FFF4E8;
  color: #FF7A00;
}

.doc-card__icon--navy {
  background: #EEF2F6;
  color: #1E293B;
}

.doc-card__title {
  font-size: 15px;
  font-weight: 800;
  color: #0F172A;
  line-height: 1.25;
  margin: 0;
}

.doc-card__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.doc-card__list li {
  font-size: 13.5px;
  color: #475569;
  line-height: 1.45;
  display: flex;
  align-items: flex-start;
  gap: 9px;
}

.doc-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 17px;
  height: 17px;
  border-radius: 50%;
  background: #E8F4FE;
  color: #00A0E3;
  font-size: 11px;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}

/* Doorstep Assistance Banner */
.doc-hub__banner {
  background: linear-gradient(135deg, #0A1628 0%, #112240 100%);
  border-radius: 20px;
  padding: 28px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.15);
  position: relative;
  overflow: hidden;
}

.doc-hub__banner::after {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0, 160, 227, 0.25) 0%, transparent 70%);
  pointer-events: none;
}

.doc-banner__left {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  z-index: 1;
}

.doc-banner__badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(0, 160, 227, 0.15);
  border: 1px solid rgba(0, 160, 227, 0.35);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  color: #38BDF8;
  margin-bottom: 10px;
}

.doc-banner__heading {
  font-size: 20px;
  font-weight: 800;
  color: #FFFFFF;
  margin: 0 0 6px 0;
  letter-spacing: -0.3px;
}

.doc-banner__desc {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.75);
  margin: 0;
  max-width: 600px;
  line-height: 1.5;
}

.doc-banner__right {
  flex-shrink: 0;
  z-index: 1;
}

.doc-banner__cta {
  padding: 13px 26px;
  font-size: 14px;
  font-weight: 700;
  border-radius: 30px;
  box-shadow: 0 6px 20px rgba(245, 167, 9, 0.35);
}

@media (max-width: 1100px) {
  .doc-hub__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .doc-hub {
    padding: 60px 0;
  }
  .doc-hub__title {
    font-size: 28px;
  }
  .doc-hub__grid {
    grid-template-columns: 1fr;
  }
  .doc-hub__tabs {
    flex-direction: column;
    width: 100%;
    border-radius: 20px;
  }
  .doc-hub__tab-btn {
    width: 100%;
    justify-content: center;
  }
  .doc-hub__banner {
    flex-direction: column;
    align-items: flex-start;
    padding: 24px 20px;
  }
  .doc-banner__right {
    width: 100%;
  }
  .doc-banner__cta {
    width: 100%;
    text-align: center;
  }
}


/* ==========================================================================
   CALCULATOR SECTION — 1:1 MATCH TO USER MOCKUP DESIGN (calc.png)
   ========================================================================== */
.calculator-section {
  padding: 80px 0;
  background: #F8FAFC;
  position: relative;
}

.calc-master-frame {
  position: relative;
  background: #FFFFFF;
  border-radius: 32px;
  box-shadow: 0 24px 70px rgba(15, 23, 42, 0.08), 0 4px 16px rgba(15, 23, 42, 0.03);
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  min-height: 520px;
  overflow: hidden;
  border: 1px solid #E2E8F0;
}

/* Left Form Section */
.calc-left-content {
  padding: 48px 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  z-index: 2;
}

.calc-eyebrow {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.8px;
  color: #64748B;
  display: block;
  margin-bottom: 8px;
  text-transform: uppercase;
}

.calc-title {
  font-size: 38px;
  font-weight: 800;
  color: #0A1C33;
  line-height: 1.1;
  letter-spacing: -0.8px;
  margin-bottom: 12px;
  font-family: 'Manrope', sans-serif;
}

.calc-desc {
  font-size: 14px;
  color: #5A6B82;
  line-height: 1.5;
  margin-bottom: 28px;
  max-width: 440px;
}

/* Tabs Pill Bar */
.calc-tabs-pill {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
  background: #F1F5F9;
  border-radius: 16px;
  padding: 6px;
  margin-bottom: 24px;
  align-self: flex-start;
}

.calc-pill-btn {
  padding: 9px 18px;
  font-size: 13px;
  font-weight: 700;
  border-radius: 10px;
  border: none;
  background: transparent;
  color: #475569;
  cursor: pointer;
  transition: all 0.22s ease;
  font-family: 'Manrope', sans-serif;
  white-space: nowrap;
}

.calc-pill-btn.active {
  background: #0A1C33;
  color: #FFFFFF;
  box-shadow: 0 4px 14px rgba(10, 28, 51, 0.25);
}

/* Form Controls Grid */
.calc-controls-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  align-items: stretch;
}

.calc-field-card--full {
  grid-column: 1 / -1;
}

.calc-field-card {
  background: #FFFFFF;
  border: 1.5px solid #E2E8F0;
  border-radius: 16px;
  padding: 18px 20px;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
  display: flex;
  flex-direction: column;
  justify-content: center;
  transition: border-color 0.2s ease;
}

.calc-field-card:hover {
  border-color: #00A0E3;
}

.calc-field-label {
  font-size: 12px;
  font-weight: 700;
  color: #0F172A;
  margin-bottom: 8px;
  display: block;
}

.calc-amount-display {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 12px;
}

.currency-symbol {
  font-size: 18px;
  font-weight: 800;
  color: #0F172A;
}

.calc-amount-input {
  border: none;
  background: transparent;
  font-size: 18px;
  font-weight: 800;
  color: #0F172A;
  outline: none;
  width: 100%;
  font-family: 'Manrope', sans-serif;
}

.calc-slider-wrapper {
  margin-bottom: 6px;
}

.calc-slider {
  width: 100%;
  height: 6px;
  accent-color: #00A0E3;
  border-radius: 3px;
  cursor: pointer;
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  font-weight: 600;
  color: #94A3B8;
}

.calc-select-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  margin-top: 4px;
}

.calc-custom-select {
  width: 100%;
  appearance: none;
  -webkit-appearance: none;
  border: none;
  background: transparent;
  font-size: 16px;
  font-weight: 700;
  color: #0F172A;
  outline: none;
  cursor: pointer;
  padding-right: 24px;
  font-family: 'Manrope', sans-serif;
}

.select-chevron {
  position: absolute;
  right: 0;
  pointer-events: none;
}

/* Right Section Background Image & Overlapping Card */
.calc-right-bg {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 480px;
  overflow: visible;
}

.calc-right-bg::before {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  left: 0;
  width: 150px;
  background: linear-gradient(90deg, #FFFFFF 0%, rgba(255, 255, 255, 0.75) 45%, rgba(255, 255, 255, 0) 100%);
  z-index: 5;
  pointer-events: none;
}

.calc-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

/* Script annotation over right building image */
.calc-script-annotation {
  position: absolute;
  top: 36px;
  right: 40px;
  z-index: 10;
  text-align: right;
  pointer-events: none;
}

.calc-script-annotation .script-text {
  font-family: 'Caveat', cursive !important;
  font-size: 28px !important;
  font-weight: 700 !important;
  color: rgba(255, 255, 255, 0.95) !important;
  line-height: 1.15 !important;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.6), 0 0 20px rgba(0, 0, 0, 0.4);
}

/* Overlapping Floating EMI Card */
.calc-emi-card {
  position: absolute;
  bottom: 24px;
  left: -90px;
  z-index: 20;
  width: 325px;
  background: #FFFFFF;
  border-radius: 22px;
  padding: 26px 24px;
  box-shadow: 0 20px 50px rgba(15, 23, 42, 0.16), 0 4px 16px rgba(15, 23, 42, 0.05);
  border: 1px solid rgba(226, 232, 240, 0.8);
}

.emi-card__label {
  font-size: 13px;
  font-weight: 800;
  color: #0F172A;
  display: block;
  margin-bottom: 6px;
}

.emi-card__value {
  display: flex;
  align-items: baseline;
  gap: 6px;
  margin-bottom: 6px;
}

.emi-card__value strong {
  font-size: 34px;
  font-weight: 800;
  color: #0A1C33;
  line-height: 1;
  letter-spacing: -0.5px;
}

.emi-card__value .per-month {
  font-size: 14px;
  color: #64748B;
  font-weight: 600;
}

.emi-card__note {
  font-size: 11px;
  color: #94A3B8;
  line-height: 1.4;
  margin-bottom: 20px;
}

.calc-emi-cta {
  width: 100%;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  padding: 14px 20px;
  border-radius: 24px;
  background-color: var(--orange);
  color: #FFFFFF;
  box-shadow: 0 8px 24px rgba(245, 167, 9, 0.35);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: all 0.25s ease;
}

.calc-emi-cta:hover {
  background-color: var(--orange-hover);
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(245, 167, 9, 0.45);
}


/* ==========================================================================
   OUR FOUNDERS & LENDING PARTNERS — 1:1 MATCH TO USER MOCKUP DESIGN
   ========================================================================== */
.founders {
  background: #FFFFFF;
  padding: 85px 0 70px 0;
  position: relative;
}

.founders__inner {
  display: grid;
  grid-template-columns: 1fr 1.35fr;
  gap: 50px;
  align-items: center;
  margin-bottom: 0;
}

.founders .clientele-showcase-frame {
  margin-top: 50px;
}

/* Left Copy Column */
.founders__copy {
  display: flex;
  flex-direction: column;
}

.founders__eyebrow {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.8px;
  color: #64748B;
  display: block;
  margin-bottom: 10px;
  text-transform: uppercase;
}

.founders__title {
  font-size: 38px;
  font-weight: 800;
  color: #0A1C33;
  line-height: 1.15;
  letter-spacing: -0.8px;
  margin-bottom: 16px;
  font-family: 'Manrope', sans-serif;
}

.founders__desc {
  font-size: 14px;
  color: #5A6B82;
  line-height: 1.55;
  margin-bottom: 28px;
  max-width: 440px;
}

.founders__actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.founders__know-more-cta {
  font-size: 13px;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 24px;
  cursor: pointer;
  background: var(--color-cyan, #00A0E3);
  color: #FFFFFF;
  border: 1.5px solid var(--color-cyan, #00A0E3);
  box-shadow: 0 4px 14px rgba(0, 160, 227, 0.28);
  transition: all 0.22s ease;
}

.founders__know-more-cta:hover {
  background: #0087c2;
  border-color: #0087c2;
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0, 160, 227, 0.38);
}

.founders__cta {
  font-size: 13px;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 24px;
  border: 1.5px solid #0A1C33;
  color: #0A1C33;
  background: transparent;
  transition: all 0.22s ease;
  text-decoration: none;
}

.founders__cta:hover {
  background: #0A1C33;
  color: #FFFFFF;
  transform: translateY(-2px);
}

/* Right Founder Cards (2 Side-by-Side Cards) */
.founders__cards-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.founder-card-item {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 20px;
  padding: 16px;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.05);
  display: flex;
  align-items: center;
  gap: 16px;
  cursor: pointer;
  position: relative;
  height: 100%;
  box-sizing: border-box;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.founder-card-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.10);
  border-color: rgba(0, 160, 227, 0.4);
}

.founder-card__know-more-btn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 8px;
  padding: 4px 12px;
  background: #EEF7FC;
  color: #00A0E3;
  border: 1px solid rgba(0, 160, 227, 0.25);
  border-radius: 16px;
  font-size: 11.5px;
  font-weight: 700;
  cursor: pointer;
  width: fit-content;
  transition: all 0.2s ease;
}

.founder-card__know-more-btn:hover {
  background: #00A0E3;
  color: #FFFFFF;
  border-color: #00A0E3;
  transform: translateX(2px);
}

.founder-card__avatar {
  width: 130px;
  height: 145px;
  border-radius: 14px;
  overflow: hidden;
  flex-shrink: 0;
}

.founder-card__avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.founder-card__details {
  display: flex;
  flex-direction: column;
}

.founder-name {
  font-size: 18px;
  font-weight: 800;
  color: #0A1C33;
  margin-bottom: 2px;
  line-height: 1.2;
}

.founder-role {
  font-size: 12px;
  font-weight: 700;
  color: #475569;
  margin-bottom: 8px;
  display: block;
}

.founder-dept {
  font-size: 12px;
  color: #64748B;
  line-height: 1.35;
  font-weight: 500;
  min-height: 48px;
  display: flex;
  align-items: center;
}

.founder-bio {
  font-size: 12px;
  color: #475569;
  line-height: 1.45;
  margin-top: 8px;
  padding-top: 8px;
  border-top: 1px dashed #E2E8F0;
}

/* Bottom Lending Partners Carousel Strip */
.founders-partners-strip {
  padding-top: 30px;
  border-top: 1px solid #E2E8F0;
  text-align: center;
}

.partners-strip-title {
  font-size: 12px;
  font-weight: 800;
  color: #64748B;
  text-transform: uppercase;
  letter-spacing: 1.6px;
  display: block;
  margin-bottom: 24px;
}

.partners-carousel-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  max-width: 1100px;
  margin: 0 auto;
}

.partner-arrow-btn {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1px solid #E2E8F0;
  background: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}

.partner-arrow-btn:hover {
  border-color: #00A0E3;
  background: #F0F9FF;
  transform: scale(1.06);
}

.partners-logos-container {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 16px;
  overflow-x: auto;
  padding: 10px 4px;
  scroll-behavior: auto !important;
  scrollbar-width: none;
  /* Firefox */
  -ms-overflow-style: none;
  /* IE/Edge */
}

.partners-logos-container::-webkit-scrollbar {
  display: none;
  /* Chrome/Safari */
}

.partner-logo-item {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 12px 24px;
  min-width: 200px;
  height: 92px;
  background: #FFFFFF;
  border-radius: 16px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 16px rgba(15, 23, 42, 0.06);
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.25s ease, border-color 0.25s ease;
  flex-shrink: 0;
  box-sizing: border-box;
}

.partner-logo-item:hover {
  transform: translateY(-4px);
  border-color: #00A0E3;
  box-shadow: 0 12px 30px rgba(0, 160, 227, 0.20);
}

.partner-logo-img {
  height: auto;
  max-height: 64px;
  width: auto;
  max-width: 165px;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 1px 1px rgba(0, 0, 0, 0.03));
}

.partner-logo-more {
  font-size: 12px;
  font-weight: 600;
  color: #64748B;
  white-space: nowrap;
  font-style: italic;
}

.partners__logos {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
  justify-content: center;
}

.partner-logo {
  font-size: 14px;
  color: #334155;
  letter-spacing: -0.2px;
}

.partner-logo--more {
  font-size: 12px;
  color: #94A3B8;
  font-style: italic;
}


/* ==========================================================================
   CTA BANNER SECTION — 1:1 MATCH TO USER MOCKUP (image.png)
   ========================================================================== */
.cta-banner-section,
.cta-banner-wrapper {
  position: relative;
  z-index: 50;
  padding: 0;
}

.cta-banner-card {
  position: relative;
  background: #08172E url('../images/hero-cityscape.jpg') center right / cover no-repeat;
  border-radius: 28px;
  padding: 44px 52px;
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(6, 19, 39, 0.45);
  border: 1px solid rgba(255, 255, 255, 0.15);
  margin-bottom: -65px;
  /* Smooth overlap into top of footer */
}

/* Overlay tint for crisp readability */
.cta-banner-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg,
      #07162C 0%,
      rgba(7, 22, 44, 0.94) 55%,
      rgba(7, 22, 44, 0.45) 85%,
      rgba(7, 22, 44, 0.15) 100%);
  z-index: 1;
  pointer-events: none;
}

.cta-banner__content {
  max-width: 520px;
  z-index: 2;
  position: relative;
}

.cta-banner__title {
  font-size: 36px;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.15;
  letter-spacing: -0.8px;
  margin-bottom: 12px;
  font-family: 'Manrope', sans-serif;
}

.cta-banner__title .highlight-cyan {
  color: #00A0E3;
}

.cta-banner__desc {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.55;
  font-weight: 400;
}

.cta-banner__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  z-index: 2;
  position: relative;
  flex-shrink: 0;
}

.cta-btn-orange {
  font-size: 13px;
  font-weight: 700;
  padding: 13px 26px;
  border-radius: 28px;
  background: linear-gradient(135deg, #F5A709 0%, #FFAF1A 100%);
  color: #FFFFFF;
  box-shadow: 0 8px 24px rgba(245, 167, 9, 0.40);
  text-decoration: none;
  white-space: nowrap;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.cta-btn-orange:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(245, 167, 9, 0.50);
}

.cta-btn-outline {
  font-size: 13px;
  font-weight: 700;
  padding: 13px 26px;
  border-radius: 28px;
  border: 1.5px solid rgba(255, 255, 255, 0.38);
  color: #FFFFFF;
  background: rgba(255, 255, 255, 0.04);
  text-decoration: none;
  white-space: nowrap;
  transition: all 0.22s ease;
  backdrop-filter: blur(4px);
}

.cta-btn-outline:hover {
  border-color: #FFFFFF;
  background: rgba(255, 255, 255, 0.12);
  transform: translateY(-2px);
}

/* 3D Vertical Bar Graphic on far right */
.cta-banner__graphic {
  position: absolute;
  right: 24px;
  bottom: 0;
  top: 0;
  display: flex;
  align-items: flex-end;
  gap: 14px;
  opacity: 0.45;
  pointer-events: none;
  z-index: 1;
}

.cta-banner__graphic .bar {
  width: 32px;
  border-radius: 10px 10px 0 0;
}

.bar--blue {
  height: 65%;
  background: linear-gradient(180deg, #00529B 0%, #0A1C33 100%);
}

.bar--cyan {
  height: 82%;
  background: linear-gradient(180deg, #00A0E3 0%, #00529B 100%);
}

.bar--orange {
  height: 100%;
  background: linear-gradient(180deg, #F5A709 0%, #DB9400 100%);
}


/* ==========================================================================
   FOOTER — 1:1 MATCH TO USER MOCKUP DESIGN
   ========================================================================== */
.footer {
  background: #040E1E;
  color: rgba(255, 255, 255, 0.75);
  padding-top: 50px;
  padding-bottom: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 13px;
}

.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1.2fr 1.3fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer__col--brand {
  display: flex;
  flex-direction: column;
}

.footer__logo-img {
  height: 120px;
  width: auto;
  margin-bottom: 8px;
}

.footer__tagline {
  font-size: 12px;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 6px;
  letter-spacing: 0.2px;
}

.footer__desc {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.58);
  margin-bottom: 20px;
  line-height: 1.5;
  max-width: 320px;
}

/* Round Colorful Social Circles */
.footer__socials {
  display: flex;
  align-items: center;
  gap: 10px;
}

.social-circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 800;
  color: #FFFFFF;
  text-decoration: none;
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.social-circle:hover {
  transform: translateY(-2px);
  opacity: 0.9;
}

.social--fb {
  background: #1877F2;
}

.social--in {
  background: #0A66C2;
}

.social--ig {
  background: linear-gradient(135deg, #833AB4 0%, #FD1D1D 50%, #FCB045 100%);
}

.social--yt {
  background: #FF0000;
}

.footer__col-heading {
  font-size: 14px;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 20px;
  font-family: 'Manrope', sans-serif;
}

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

.footer__links a {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer__links a:hover {
  color: #00A0E3;
}

.footer__contact-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  list-style: none;
  padding: 0;
}

.footer__contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.4;
}

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.45);
}




/* ==========================================================================
   FLOATING CONTACT BUTTON & QUICK CONNECT WIDGET
   ========================================================================== */
.floating-contact-widget {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 99999;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  font-family: 'Manrope', sans-serif;
  pointer-events: none;
  /* Allows pointer events only on interactive children */
}

.floating-contact-widget * {
  pointer-events: auto;
}

/* Main Trigger Button */
.floating-contact-btn {
  position: relative;
  display: flex;
  align-items: center;
  gap: 10px;
  height: 52px;
  padding: 0 22px 0 16px;
  border-radius: 30px;
  background: linear-gradient(135deg, #00A0E3 0%, #00529B 100%);
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.25);
  box-shadow: 0 10px 30px rgba(0, 160, 227, 0.45), 0 4px 12px rgba(0, 0, 0, 0.2);
  cursor: pointer;
  transition: all 0.35 cubic-bezier(0.34, 1.56, 0.64, 1);
  outline: none;
}

.floating-contact-btn:hover {
  transform: translateY(-3px) scale(1.03);
  box-shadow: 0 14px 38px rgba(0, 160, 227, 0.6), 0 6px 16px rgba(0, 0, 0, 0.25);
  background: linear-gradient(135deg, #00B2FC 0%, #0060B5 100%);
}

.floating-contact-btn:active {
  transform: translateY(-1px) scale(0.98);
}

/* Pulse Glow Ring */
.floating-contact-btn__pulse {
  position: absolute;
  inset: -4px;
  border-radius: 34px;
  border: 2px solid rgba(0, 160, 227, 0.7);
  animation: floatingPulseRing 2.4s infinite ease-out;
  pointer-events: none;
}

@keyframes floatingPulseRing {
  0% {
    transform: scale(0.96);
    opacity: 0.9;
  }

  70% {
    transform: scale(1.22);
    opacity: 0;
  }

  100% {
    transform: scale(1.22);
    opacity: 0;
  }
}

/* Icon Box & Switcher */
.floating-contact-btn__icon-box {
  position: relative;
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.floating-contact-btn__icon {
  position: absolute;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.floating-contact-btn__icon--chat {
  opacity: 1;
  transform: scale(1) rotate(0deg);
}

.floating-contact-btn__icon--close {
  opacity: 0;
  transform: scale(0.5) rotate(-90deg);
}

.floating-contact-widget.active .floating-contact-btn__icon--chat {
  opacity: 0;
  transform: scale(0.5) rotate(90deg);
}

.floating-contact-widget.active .floating-contact-btn__icon--close {
  opacity: 1;
  transform: scale(1) rotate(0deg);
}

.floating-contact-widget.active .floating-contact-btn {
  background: linear-gradient(135deg, #F5A709 0%, #DB9400 100%);
  box-shadow: 0 10px 30px rgba(245, 167, 9, 0.45);
  border-color: rgba(255, 255, 255, 0.3);
}

.floating-contact-widget.active .floating-contact-btn__pulse {
  border-color: rgba(245, 167, 9, 0.7);
}

.floating-contact-btn__label {
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2px;
  white-space: nowrap;
}

/* Floating Menu Panel */
.floating-contact-menu {
  width: 300px;
  margin-bottom: 14px;
  background: rgba(7, 22, 44, 0.94);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 20px;
  padding: 20px;
  box-shadow: 0 24px 50px rgba(0, 0, 0, 0.5), 0 0 30px rgba(0, 160, 227, 0.15);
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px) scale(0.92);
  transform-origin: bottom right;
  transition: all 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.floating-contact-widget.active .floating-contact-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

.floating-contact-menu__header {
  margin-bottom: 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding-bottom: 12px;
}

.floating-contact-menu__badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: #00A0E3;
  background: rgba(0, 160, 227, 0.15);
  padding: 3px 9px;
  border-radius: 12px;
  margin-bottom: 6px;
}

.floating-contact-menu__title {
  font-size: 16px;
  font-weight: 800;
  color: #FFFFFF;
  margin: 0 0 2px 0;
}

.floating-contact-menu__subtitle {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.6);
  margin: 0;
}

.floating-contact-items {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.floating-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  text-decoration: none;
  transition: all 0.22s ease;
}

.floating-contact-item:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.22);
  transform: translateX(-4px);
}

.floating-contact-item__icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.2s ease;
}

.floating-contact-item:hover .floating-contact-item__icon {
  transform: scale(1.08);
}

.floating-contact-item--wa .floating-contact-item__icon {
  background: #25D366;
  color: #FFFFFF;
}

.floating-contact-item--phone .floating-contact-item__icon {
  background: linear-gradient(135deg, #00A0E3 0%, #00529B 100%);
  color: #FFFFFF;
}

.floating-contact-item--email .floating-contact-item__icon {
  background: linear-gradient(135deg, #F5A709 0%, #DB9400 100%);
  color: #FFFFFF;
}

.floating-contact-item__text {
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.floating-contact-item__label {
  font-size: 13px;
  font-weight: 700;
  color: #FFFFFF;
}

.floating-contact-item__val {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.65);
}

.floating-contact-item__arrow {
  color: rgba(255, 255, 255, 0.4);
  transition: transform 0.2s ease, color 0.2s ease;
}

.floating-contact-item:hover .floating-contact-item__arrow {
  color: #00A0E3;
  transform: translateX(3px);
}

@media (max-width: 576px) {
  .floating-contact-widget {
    bottom: 20px;
    right: 20px;
  }

  .floating-contact-menu {
    width: calc(100vw - 40px);
    max-width: 300px;
  }
}

/* ==========================================================================
   DIRECT WHATSAPP FLOATING ACTION BUTTON
   ========================================================================== */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  left: 28px;
  z-index: 99999;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: #25D366;
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 28px rgba(37, 211, 102, 0.50), 0 4px 12px rgba(0, 0, 0, 0.2);
  text-decoration: none;
  transition: all 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
  outline: none;
}

.whatsapp-float:hover {
  transform: translateY(-4px) scale(1.08);
  box-shadow: 0 14px 36px rgba(37, 211, 102, 0.65), 0 6px 16px rgba(0, 0, 0, 0.25);
  background: #22BF5B;
}

.whatsapp-float:active {
  transform: translateY(-1px) scale(0.96);
}

.whatsapp-float__icon {
  transition: transform 0.25s ease;
}

.whatsapp-float:hover .whatsapp-float__icon {
  transform: scale(1.1) rotate(-6deg);
}

/* Green Pulse Animation Ring */
.whatsapp-float__pulse {
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid rgba(37, 211, 102, 0.75);
  animation: waPulse 2.2s infinite ease-out;
  pointer-events: none;
}

@keyframes waPulse {
  0% {
    transform: scale(0.95);
    opacity: 0.9;
  }

  70% {
    transform: scale(1.35);
    opacity: 0;
  }

  100% {
    transform: scale(1.35);
    opacity: 0;
  }
}

/* Unread Badge */
.whatsapp-float__badge {
  position: absolute;
  top: -2px;
  right: -2px;
  background: #FF3B30;
  color: #FFFFFF;
  font-size: 10px;
  font-weight: 800;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid #040E1E;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.3);
}

/* Tooltip on Hover */
.whatsapp-float__tooltip {
  position: absolute;
  left: 68px;
  white-space: nowrap;
  background: rgba(7, 22, 44, 0.94);
  color: #FFFFFF;
  font-family: 'Manrope', sans-serif;
  font-size: 12px;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.3);
  opacity: 0;
  visibility: hidden;
  transform: translateX(-10px);
  transition: all 0.25s cubic-bezier(0.34, 1.56, 0.64, 1);
  pointer-events: none;
}

.whatsapp-float:hover .whatsapp-float__tooltip {
  opacity: 1;
  visibility: visible;
  transform: translateX(0);
}

@media (max-width: 576px) {
  .whatsapp-float {
    bottom: 20px;
    left: 20px;
    width: 48px;
    height: 48px;
  }

  .whatsapp-float__icon {
    width: 26px;
    height: 26px;
  }
}

/* ==========================================================================
   PERFECTED RESPONSIVE DESIGN (ALL DEVICES & BREAKPOINTS)
   ========================================================================== */

/* --- Large Laptops & Desktops (1200px and down) --- */
@media (max-width: 1200px) {

  .container,
  .container-wide {
    padding-left: 24px;
    padding-right: 24px;
  }

  .hero__title {
    font-size: 46px;
  }

  .why-us__title {
    font-size: 38px;
  }

  .calc-master-frame {
    grid-template-columns: 1.1fr 0.9fr;
  }
}

/* --- Tablets & Medium Devices (992px and down) --- */
@media (max-width: 992px) {
  .top-bar__inner {
    flex-wrap: wrap;
    gap: 10px;
    justify-content: center;
  }

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

  .hero__content {
    max-width: 100%;
  }

  .hero__visual {
    width: 100%;
    min-height: auto;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    margin-top: 10px;
  }

  .hero__annotation {
    position: relative;
    top: auto;
    left: auto;
    margin-bottom: 16px;
    width: 100%;
    justify-content: center;
  }

  .hero__growth-bars {
    display: none;
  }

  .hero__card {
    width: 100%;
    max-width: 420px;
    margin: 0 auto;
    position: relative;
    right: auto;
    bottom: auto;
  }

  /* Why Choose Us Tablet Adaptation */
  .why-us__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .why-us__center {
    width: 100%;
    display: flex;
    justify-content: center;
  }

  .why-graphic-card {
    width: 100%;
    max-width: 440px;
    min-height: auto;
  }

  .how-it-works__steps {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .how-step-arrow {
    display: none;
  }

  .how-script-annotation {
    display: none;
  }

  /* Loan Calculator Tablet & Mobile Adaptation */
  .calc-master-frame {
    grid-template-columns: 1fr;
  }

  .calc-controls-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .calc-right-bg {
    min-height: 280px;
    height: 280px;
    border-radius: 0 0 20px 20px;
    overflow: hidden;
  }

  .calc-right-bg::before {
    display: none;
    /* Hide left gradient blend when stacked vertically */
  }

  .calc-emi-card {
    position: relative;
    bottom: auto;
    left: auto;
    right: auto;
    width: 100%;
    margin-top: 16px;
    margin-bottom: 0;
    box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
    border-radius: 18px;
    padding: 22px 20px;
    box-sizing: border-box;
  }

  .founders__inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer__inner {
    grid-template-columns: repeat(2, 1fr);
    gap: 36px;
  }
}

/* --- Small Tablets & Large Phones (768px and down) --- */
@media (max-width: 768px) {
  .header {
    padding: 12px 0;
  }

  .navbar__links,
  .navbar__actions {
    display: none;
  }

  .navbar__hamburger {
    display: flex;
  }

  .hero {
    padding-top: calc(var(--navbar-h) + 20px);
    padding-bottom: 50px;
  }

  .hero__eyebrow {
    font-size: 11px;
    letter-spacing: 1.5px;
  }

  .hero__title {
    font-size: 32px;
    letter-spacing: -0.6px;
    line-height: 1.15;
  }

  .hero__desc {
    font-size: 14px;
    margin-bottom: 24px;
  }

  /* CTAs stack neatly on mobile */
  .hero__ctas {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    gap: 12px;
    margin-bottom: 32px;
  }

  .hero__ctas .btn {
    width: 100%;
    justify-content: center;
    text-align: center;
  }

  .trust-bar__inner {
    flex-direction: column;
    gap: 14px;
    align-items: flex-start;
  }

  .trust-bar__divider {
    display: none;
  }

  .section__header {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 24px;
  }

  .section__header-cta {
    width: 100%;
  }

  .section__header-cta .btn {
    width: 100%;
    justify-content: center;
    text-align: center;
  }

  .solutions__grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .why-us__title {
    font-size: 32px;
    letter-spacing: -0.8px;
  }

  .why-us__features-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .calc-controls-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .founders__cards-wrapper {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .partners-strip {
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
  }

  /* CTA Banner Mobile Overhaul */
  .cta-banner-section {
    padding: 30px 0 0 0;
  }

  .cta-banner-card {
    flex-direction: column;
    align-items: stretch;
    padding: 32px 20px;
    border-radius: 20px;
    gap: 24px;
    margin-bottom: 0;
    /* Removes negative overlap into footer on mobile */
    text-align: center;
  }

  .cta-banner-card::before {
    background: linear-gradient(180deg, #07162C 0%, rgba(7, 22, 44, 0.95) 100%);
  }

  .cta-banner__content {
    max-width: 100%;
  }

  .cta-banner__title {
    font-size: 24px;
    line-height: 1.25;
  }

  .cta-banner__desc {
    font-size: 13px;
  }

  .cta-banner__actions {
    flex-direction: column;
    width: 100%;
    gap: 12px;
  }

  .cta-btn-orange,
  .cta-btn-outline {
    width: 100%;
    justify-content: center;
    text-align: center;
    box-sizing: border-box;
    white-space: normal;
  }

  .cta-banner__graphic {
    display: none;
  }

  .footer {
    padding-top: 48px;
    padding-bottom: 30px;
  }

  .footer__inner {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .footer__logo-img {
    height: 90px;
  }

  .footer__desc {
    max-width: 100%;
  }

  .footer__bottom {
    flex-direction: column;
    gap: 10px;
    text-align: center;
  }
}

/* --- Mobile Devices (576px and down) --- */
@media (max-width: 576px) {

  .container,
  .container-wide {
    padding-left: 16px;
    padding-right: 16px;
  }

  .top-bar {
    display: none;
    /* Hide topbar on mobile to maximize viewport */
  }

  .hero__title {
    font-size: 27px;
    line-height: 1.2;
  }

  .hero__stats {
    flex-wrap: wrap;
    gap: 16px 20px;
  }

  .hero__stat-divider {
    display: none;
  }

  .hero__card {
    padding: 20px 16px;
    border-radius: 20px;
  }

  .hero__card-title {
    font-size: 15px;
    margin-bottom: 16px;
  }

  /* OUR LOAN SOLUTIONS — MOBILE CARD OVERHAUL */
  .solutions__grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .solution-card {
    padding: 12px 46px 12px 12px;
    gap: 12px;
    border-radius: 16px;
    position: relative;
  }

  .solution-card__thumb {
    width: 66px;
    height: 66px;
    border-radius: 10px;
  }

  .solution-card__content {
    padding-right: 0;
  }

  .solution-card__content h3 {
    font-size: 14px;
    margin-bottom: 2px;
  }

  .solution-card__content p {
    font-size: 11px;
    line-height: 1.35;
  }

  .circle-arrow {
    right: 12px;
    top: 50%;
    bottom: auto;
    transform: translateY(-50%);
    width: 26px;
    height: 26px;
    font-size: 12px;
  }

  /* WHY CHOOSE US — MOBILE CARD OVERHAUL (Zero cropping & exact alignment) */
  .why-graphic-card {
    width: 100%;
    max-width: 380px;
    padding: 12px;
    border-radius: 24px;
    box-shadow: 0 12px 35px rgba(15, 23, 42, 0.10);
    position: relative;
    overflow: hidden;
    /* Contains badge & cursive inside card borders */
  }

  .established-badge {
    position: absolute;
    top: 14px;
    left: 14px;
    z-index: 25;
    width: 175px;
    padding: 14px 12px;
    border-radius: 18px;
    box-shadow: 0 10px 25px rgba(10, 28, 51, 0.35);
  }

  .est-eyebrow {
    font-size: 9px;
    letter-spacing: 1.2px;
  }

  .est-year {
    font-size: 32px;
    letter-spacing: -1px;
    margin-bottom: 6px;
  }

  .est-text {
    font-size: 10px;
    line-height: 1.35;
  }

  .curved-building-wrapper {
    height: 380px;
    width: 100%;
    border-radius: 16px !important;
    clip-path: none !important;
    -webkit-clip-path: none !important;
  }

  .why-right-accents {
    right: 12px;
    gap: 20px;
  }

  .why-accent-dot {
    width: 16px;
    height: 16px;
  }

  .why-script-annotation {
    position: absolute;
    top: 20px;
    right: 18px;
    left: auto;
    bottom: auto;
    z-index: 30;
    transform: rotate(-3deg);
    text-align: right;
    display: flex;
    flex-direction: column;
    align-items: flex-end;
  }

  .why-script-annotation .script-text {
    font-size: 19px !important;
    color: #0A1C33 !important;
    text-shadow: 0 1px 6px rgba(255, 255, 255, 0.95);
  }

  .script-underline {
    width: 70px;
    height: 10px;
  }

  .why-card-bottom-label {
    position: relative;
    bottom: auto;
    left: auto;
    margin-top: 10px;
    padding: 4px 6px;
  }

  .why-card-bottom-label strong {
    font-size: 14px;
  }

  .why-card-bottom-label span {
    font-size: 11px;
  }

  /* HOW IT WORKS — MOBILE OPTIMIZATION */
  .how-it-works {
    padding: 36px 0 44px 0;
  }

  .how-it-works__title {
    font-size: 28px;
  }

  .how-it-works__subhead {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }

  .how-it-works__desc {
    font-size: 13px;
    line-height: 1.45;
  }

  .how-it-works__steps {
    grid-template-columns: 1fr;
    gap: 16px;
    padding-top: 16px;
  }

  .how-step-arrow {
    display: none !important;
  }

  .how-script-annotation {
    display: none !important;
    /* Hide floating annotation on small screens to prevent overlap */
  }

  .how-step-item {
    padding: 14px 16px;
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 16px;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
  }

  .how-step__icon {
    width: 44px;
    height: 44px;
    margin-bottom: 10px;
  }

  .how-step__icon svg {
    width: 22px;
    height: 22px;
  }

  .how-step__content {
    border-left: none;
    padding-left: 0;
  }

  .how-step__num {
    font-size: 14px;
    color: #00A0E3;
  }

  .how-step__title {
    font-size: 15px;
    margin-bottom: 4px;
  }

  .how-step__desc {
    font-size: 12px;
  }

  .calc-left-content {
    padding: 20px 14px;
  }

  .calc-controls-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .calc-field-card {
    padding: 14px 16px;
  }

  .calc-tabs {
    flex-wrap: wrap;
    gap: 6px;
  }

  .calc-tab {
    flex: 1 1 calc(50% - 6px);
    text-align: center;
    padding: 8px 10px;
    font-size: 11px;
  }

  .calc-input-box {
    font-size: 16px;
    padding: 10px 12px;
  }

  .calc-right-bg {
    height: 240px;
    min-height: 240px;
  }

  .calc-script-annotation {
    top: 20px;
    right: 20px;
  }

  .calc-script-annotation .script-text {
    font-size: 22px !important;
  }

  .calc-emi-card {
    padding: 18px 16px;
    border-radius: 16px;
    margin-top: 16px;
  }

  .emi-card__value strong {
    font-size: 28px;
  }

  .founder-card {
    padding: 18px 14px;
  }

  .partner-logo-item {
    min-width: 165px;
    height: 76px;
    padding: 10px 18px;
    border-radius: 14px;
  }

  .partner-logo-img {
    max-height: 52px;
    max-width: 135px;
  }

  /* Symmetrical & Non-Overlapping Floating Widgets on Mobile */
  .whatsapp-float {
    bottom: 16px;
    left: 16px;
    width: 44px;
    height: 44px;
    z-index: 99999;
  }

  .whatsapp-float__icon {
    width: 22px;
    height: 22px;
  }

  .whatsapp-float__tooltip {
    display: none;
  }

  .floating-contact-widget {
    bottom: 16px;
    right: 16px;
    z-index: 99999;
  }

  .floating-contact-btn {
    width: 44px;
    height: 44px;
    padding: 0;
    justify-content: center;
    border-radius: 50%;
  }

  .floating-contact-btn__label {
    display: none;
  }

  .floating-contact-menu {
    width: calc(100vw - 32px);
    max-width: 310px;
    right: 0;
    bottom: 56px;
  }
}

/* ==========================================================================
   ABOUT PAGE MOCKUP DESIGN STYLES (MATCHING USER IMAGE 1:1)
   ========================================================================== */

/* Light Hero Theme for About Page */
.hero--about {
  background: #F0F4F9 url('../images/hero-cityscape.jpg') center right / cover no-repeat;
  padding-top: calc(var(--navbar-h) + 24px);
  padding-bottom: 90px;
  color: #0F172A;
  min-height: 500px;
  position: relative;
}

.hero--about .hero__bg-gradient {
  background: linear-gradient(90deg,
      #F4F7FB 0%,
      rgba(244, 247, 251, 0.96) 45%,
      rgba(244, 247, 251, 0.65) 75%,
      rgba(244, 247, 251, 0.15) 100%);
}

.hero-breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: #64748B;
  margin-bottom: 20px;
}

.hero-breadcrumb a {
  color: #64748B;
  text-decoration: none;
}

.hero-breadcrumb span {
  font-weight: 700;
  color: #0F172A;
}

.hero-about__title {
  font-size: 46px;
  font-weight: 800;
  color: #0A1C33;
  line-height: 1.1;
  letter-spacing: -1.2px;
  margin-bottom: 14px;
  font-family: 'Manrope', sans-serif;
}

.hero-about__title .highlight-blue {
  color: #00A0E3;
}

.hero-about__subtitle {
  font-size: 19px;
  font-weight: 700;
  color: #1E293B;
  margin-bottom: 12px;
}

.hero-about__desc {
  font-size: 14px;
  color: #475569;
  line-height: 1.6;
  max-width: 520px;
  margin-bottom: 28px;
}

.hero-about__btn {
  background: linear-gradient(135deg, #F5A709 0%, #FFAF1A 100%);
  color: #FFFFFF;
  font-weight: 700;
  padding: 13px 30px;
  border-radius: 28px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 8px 24px rgba(245, 167, 9, 0.35);
  text-decoration: none;
  font-size: 14px;
  transition: all 0.22s ease;
}

.hero-about__btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(245, 167, 9, 0.45);
}

.hero-about__btn-secondary {
  background: #0A1C33;
  color: #FFFFFF !important;
  font-weight: 700;
  padding: 13px 28px;
  border-radius: 28px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 16px rgba(10, 28, 51, 0.16);
  text-decoration: none;
  font-size: 14px;
  border: 1.5px solid #0A1C33;
  transition: all 0.22s ease;
}

.hero-about__btn-secondary:hover {
  background: #00A0E3;
  border-color: #00A0E3;
  color: #FFFFFF !important;
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(0, 160, 227, 0.35);
}

/* Script Annotation Top Right */
.about-script-annotation {
  position: absolute;
  top: 30px;
  right: 300px;
  display: flex;
  flex-direction: column;
  align-items: center;
  pointer-events: none;
  transform: rotate(-4deg);
  z-index: 5;
}

.about-script-annotation .script-text {
  font-family: 'Caveat', cursive !important;
  font-size: 32px !important;
  font-weight: 700 !important;
  color: #00A0E3 !important;
  line-height: 1.1 !important;
  text-align: center;
}

/* Floating White Stat Strip overlap bottom of Hero */
.about-stats-strip {
  position: relative;
  margin-top: -50px;
  z-index: 10;
  margin-bottom: 60px;
}

.about-stats-grid {
  background: #FFFFFF;
  border-radius: 24px;
  padding: 24px 32px;
  box-shadow: 0 16px 45px rgba(15, 23, 42, 0.08);
  border: 1px solid #E2E8F0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.about-stat-item {
  display: flex;
  align-items: center;
  gap: 16px;
  position: relative;
}

.about-stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: -10px;
  top: 15%;
  height: 70%;
  width: 1px;
  background: #E2E8F0;
}

.stat-icon-circle {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.stat-icon--blue {
  background: #E0F2FE;
  color: #00A0E3;
}

.stat-icon--teal {
  background: #D1FAE5;
  color: #10B981;
}

.stat-icon--amber {
  background: #FEF3C7;
  color: #F59E0B;
}

.stat-icon--purple {
  background: #F3E8FF;
  color: #8B5CF6;
}

.stat-info-text strong {
  display: block;
  font-size: 16px;
  font-weight: 800;
  color: #0F172A;
  line-height: 1.2;
}

.stat-info-text span {
  font-size: 12px;
  color: #64748B;
  display: block;
}

.stat-info-sub {
  font-size: 11px;
  color: #94A3B8;
  font-style: italic;
}

/* Our Story Section Styling (Overhauled 2-Column Showcase) */
.story-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 52px;
  align-items: center;
}

.story-left-card {
  position: relative;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(15, 23, 42, 0.12);
  border: 4px solid #FFFFFF;
  background: #11193B;
}

.story-left-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
}

.story-left-card:hover .story-left-img {
  transform: scale(1.03);
}

.story-badge-top {
  position: absolute;
  top: 24px;
  left: 24px;
  background: #08172E;
  color: #FFFFFF;
  border-radius: 18px;
  padding: 14px 20px;
  box-shadow: 0 12px 30px rgba(8, 23, 46, 0.4);
  border: 1px solid rgba(255, 255, 255, 0.15);
  z-index: 5;
}

.story-badge-top .est-label {
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 1.5px;
  color: #00A0E3;
  text-transform: uppercase;
  display: block;
}

.story-badge-top .est-year-big {
  font-size: 32px;
  font-weight: 900;
  color: #FFFFFF;
  line-height: 1;
  letter-spacing: -1px;
}

.story-badge-glass {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-radius: 20px;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: 0 12px 30px rgba(15, 23, 42, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.8);
  z-index: 5;
}

.story-badge-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #E0F2FE;
  color: #00A0E3;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.story-badge-text strong {
  display: block;
  font-size: 14px;
  font-weight: 800;
  color: #0F172A;
  line-height: 1.2;
}

.story-badge-text span {
  font-size: 12px;
  color: #64748B;
}

/* Right Content Area */
.story-right-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.story-eyebrow {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.8px;
  color: #00A0E3;
  text-transform: uppercase;
  display: block;
  margin-bottom: 8px;
}

.story-heading,
.story-title {
  font-size: 34px;
  font-weight: 800;
  color: #0A1C33;
  line-height: 1.25;
  letter-spacing: -0.6px;
  margin-bottom: 18px;
  font-family: 'Manrope', sans-serif;
}

.story-paragraph {
  font-size: 15px;
  color: #475569;
  line-height: 1.7;
  margin-bottom: 18px;
  font-family: 'Manrope', sans-serif;
}

.story-paragraph:last-of-type {
  margin-bottom: 26px;
}

.story-subhead-lead {
  font-size: 15px;
  font-weight: 600;
  color: #475569;
  line-height: 1.6;
  margin-bottom: 24px;
}

.story-highlights-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 24px;
  width: 100%;
}

.story-highlight-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: #FFFFFF;
  border-radius: 16px;
  padding: 16px 20px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 14px rgba(15, 23, 42, 0.03);
  transition: transform 0.22s ease, border-color 0.22s ease;
}

.story-highlight-card:hover {
  transform: translateX(4px);
  border-color: #00A0E3;
}

.story-highlight-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.story-highlight-text strong {
  display: block;
  font-size: 14px;
  font-weight: 800;
  color: #0F172A;
  margin-bottom: 2px;
}

.story-highlight-text p {
  font-size: 12px;
  color: #64748B;
  line-height: 1.45;
  margin: 0;
}

.story-badge-text span {
  font-size: 11px;
  color: #64748B;
}

.story-blue-btn {
  background: linear-gradient(135deg, #00A0E3 0%, #0072BC 100%);
  color: #FFFFFF;
  font-weight: 700;
  padding: 12px 26px;
  border-radius: 28px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 8px 24px rgba(0, 160, 227, 0.35);
  text-decoration: none;
  font-size: 13px;
  transition: all 0.22s ease;
  margin-top: 14px;
}

.story-blue-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(0, 160, 227, 0.45);
}

.founder-highlight {
  color: #000000;
  font-weight: 800;
}

/* Solutions & Philosophy enhancements */
.story-solutions-card {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 16px;
  padding: 18px 20px;
  width: 100%;
  box-shadow: 0 4px 14px rgba(15, 23, 42, 0.03);
  margin-bottom: 14px;
}

.story-solutions-title {
  font-size: 14px;
  font-weight: 800;
  color: #0F172A;
  margin: 0 0 6px 0;
  display: flex;
  align-items: center;
  gap: 8px;
}

.story-solutions-desc {
  font-size: 13px;
  color: #5A6B82;
  line-height: 1.5;
  margin: 0 0 12px 0;
}

.story-pills-wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.story-pill-tag {
  background: #F1F5F9;
  color: #1E293B;
  font-size: 11.5px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  border: 1px solid #E2E8F0;
  transition: all 0.2s ease;
}

.story-pill-tag:hover {
  background: #E0F2FE;
  color: #0284C7;
  border-color: #BAE6FD;
}

.story-quote-card {
  background: #F8FAFC;
  border-left: 4px solid #00A0E3;
  border-radius: 0 14px 14px 0;
  padding: 16px 20px;
  margin-top: 10px;
  margin-bottom: 20px;
  font-style: italic;
  color: #0F172A;
  font-weight: 600;
  font-size: 14px;
  line-height: 1.55;
  box-shadow: 0 2px 10px rgba(15, 23, 42, 0.02);
  border-top: 1px solid #E2E8F0;
  border-right: 1px solid #E2E8F0;
  border-bottom: 1px solid #E2E8F0;
}

/* Story Right Big 2007 Graphic */
.story-year-graphic {
  text-align: right;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  position: relative;
}

.story-year-eyebrow {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 2px;
  color: #64748B;
  text-transform: uppercase;
  margin-bottom: 2px;
}

.story-year-number {
  font-size: 64px;
  font-weight: 900;
  color: #0A1C33;
  line-height: 1;
  letter-spacing: -2px;
  margin-bottom: 10px;
  font-family: 'Manrope', sans-serif;
}

.story-year-sub {
  font-size: 13px;
  color: #64748B;
  line-height: 1.4;
  max-width: 180px;
}

/* Why Choose Identity 5 Horizontal Cards */
.why-horizontal-grid {
  display: grid;
  grid-template-columns: 1.1fr 2.9fr;
  gap: 36px;
  align-items: center;
}

.why-feature-pills {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.why-pill-card {
  background: #FFFFFF;
  border-radius: 18px;
  padding: 20px 14px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.why-pill-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(0, 160, 227, 0.12);
  border-color: #00A0E3;
}

.why-pill-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
}

.why-pill-title {
  font-size: 13px;
  font-weight: 800;
  color: #0F172A;
  line-height: 1.3;
  margin-bottom: 6px;
}

.why-pill-desc {
  font-size: 11px;
  color: #64748B;
  line-height: 1.4;
}

/* Dark Mission Vision Values Banner Card */
.mvv-card-frame {
  position: relative;
  background: #06152B url('../images/hero-cityscape.jpg') center right / cover no-repeat;
  border-radius: 28px;
  padding: 48px 48px;
  color: #FFFFFF;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(6, 19, 39, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.mvv-card-frame::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg,
      #051327 0%,
      rgba(5, 19, 39, 0.95) 50%,
      rgba(5, 19, 39, 0.70) 80%,
      rgba(5, 19, 39, 0.30) 100%);
  z-index: 1;
}

.mvv-inner-content {
  position: relative;
  z-index: 2;
}

.mvv-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 32px;
}

.mvv-item-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 20px;
  padding: 24px;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.mvv-icon-box {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.mvv-icon--blue {
  background: #00A0E3;
  color: #FFF;
}

.mvv-icon--orange {
  background: #F5A709;
  color: #FFF;
}

.mvv-icon--teal {
  background: #10B981;
  color: #FFF;
}

.mvv-text-box h3 {
  font-size: 16px;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 6px;
}

.mvv-text-box p {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.5;
}

/* Our Approach 4-Step Horizontal Flow */
.approach-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 36px;
  position: relative;
}

.approach-card {
  position: relative;
  background: #FFFFFF;
  border-radius: 20px;
  padding: 24px 20px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 14px rgba(15, 23, 42, 0.04);
}

.approach-watermark {
  font-size: 42px;
  font-weight: 900;
  color: #E2E8F0;
  position: absolute;
  top: 14px;
  right: 18px;
  line-height: 1;
  pointer-events: none;
  font-family: 'Manrope', sans-serif;
}

.approach-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.approach-title {
  font-size: 14px;
  font-weight: 800;
  color: #0F172A;
  margin-bottom: 4px;
}

.approach-arrow {
  position: absolute;
  right: -14px;
  top: 50%;
  transform: translateY(-50%);
  color: #94A3B8;
  z-index: 5;
}

/* Responsive Overhauls for About Page Mockup Layout */
@media (max-width: 992px) {
  .about-stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }

  .about-stat-item:not(:last-child)::after {
    display: none;
  }

  .story-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .story-left-img {
    height: 340px;
  }

  .why-horizontal-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .why-feature-pills {
    grid-template-columns: repeat(3, 1fr);
  }

  .mvv-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .approach-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  .approach-arrow {
    display: none;
  }
}

@media (max-width: 576px) {
  .hero-about__title {
    font-size: 32px;
  }

  .about-stats-grid {
    grid-template-columns: 1fr;
    padding: 18px 16px;
  }

  .why-feature-pills {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }

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

  .mvv-card-frame {
    padding: 28px 18px;
  }

  .about-script-annotation {
    display: none;
  }
}

/* --- Extra Small Mobile Screens (380px and down) --- */
@media (max-width: 380px) {
  .hero__title {
    font-size: 24px;
  }

  .hero__card-grid {
    grid-template-columns: 1fr 1fr;
    gap: 6px;
  }

  .loan-option-tile {
    padding: 8px 4px;
  }

  .loan-option-tile span {
    font-size: 11px;
  }

  .calc-tab {
    flex: 1 1 100%;
  }

  .established-badge {
    width: 155px;
    padding: 10px 10px;
  }

  .est-year {
    font-size: 28px;
  }
}

/* ==========================================================================
   NAVBAR SUBMENU DROPDOWN STYLES (CRISP, HIGH-CONTRAST & PERFECT ALIGNMENT)
   ========================================================================== */
.navbar__item--dropdown {
  position: relative;
}

.navbar__dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #FFFFFF !important;
  border-radius: 16px !important;
  box-shadow: 0 20px 48px rgba(4, 14, 30, 0.28), 0 4px 12px rgba(0, 0, 0, 0.1) !important;
  border: 1px solid #E2E8F0 !important;
  padding: 10px !important;
  min-width: 270px !important;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(10px);
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  z-index: 99999 !important;
  list-style: none !important;
  margin: 0 !important;
}

.navbar__item--dropdown:hover .navbar__dropdown-menu,
.navbar__item--dropdown:focus-within .navbar__dropdown-menu {
  opacity: 1 !important;
  visibility: visible !important;
  pointer-events: auto !important;
  transform: translateY(0) !important;
}

.navbar__dropdown-menu li {
  list-style: none !important;
  margin: 0 0 4px 0 !important;
  padding: 0 !important;
}

.navbar__dropdown-menu li:last-child {
  margin-bottom: 0 !important;
}

.navbar__dropdown-link {
  display: flex !important;
  align-items: center !important;
  gap: 12px !important;
  padding: 10px 14px !important;
  font-size: 13px !important;
  font-weight: 700 !important;
  color: #07162C !important;
  text-decoration: none !important;
  border-radius: 10px !important;
  transition: all 0.2s ease !important;
  font-family: 'Manrope', sans-serif !important;
  background: transparent !important;
  line-height: 1.3 !important;
  white-space: nowrap !important;
}

.navbar__dropdown-link:hover {
  background: #F0F9FF !important;
  color: #00A0E3 !important;
  transform: translateX(4px) !important;
}

.navbar__dropdown-icon {
  width: 28px !important;
  height: 28px !important;
  border-radius: 8px !important;
  background: #F1F5F9 !important;
  color: #00A0E3 !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  flex-shrink: 0 !important;
  transition: all 0.2s ease !important;
}

.navbar__dropdown-link:hover .navbar__dropdown-icon {
  background: #00A0E3 !important;
  color: #FFFFFF !important;
}

/* Mobile dropdown submenu */
.mobile-nav__sublinks {
  list-style: none !important;
  padding-left: 16px !important;
  margin: 8px 0 12px 0 !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 8px !important;
  border-left: 2px solid rgba(0, 160, 227, 0.3) !important;
}

.mobile-nav__sublinks a {
  font-size: 13px !important;
  font-weight: 600 !important;
  color: rgba(255, 255, 255, 0.85) !important;
  text-decoration: none !important;
  display: flex !important;
  align-items: center !important;
  gap: 8px !important;
  padding: 4px 8px !important;
  border-radius: 6px !important;
}

.mobile-nav__sublinks a:hover {
  color: #00A0E3 !important;
  background: rgba(255, 255, 255, 0.05) !important;
}


/* ==========================================================================
   LOAN SOLUTIONS PAGE STYLES (solutions.html)
   ========================================================================== */
.solutions-hero {
  position: relative;
  background: linear-gradient(180deg, rgba(4, 14, 30, 0.85) 0%, rgba(7, 22, 44, 0.92) 100%),
    url('../images/hero-solutions-bg.jpg') center/cover no-repeat;
  color: #FFFFFF;
  padding: 160px 0 90px 0;
  overflow: hidden;
}

.solutions-hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(0, 160, 227, 0.18) 0%, rgba(0, 160, 227, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.solutions-hero::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: -80px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(255, 122, 0, 0.12) 0%, rgba(255, 122, 0, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.solutions-hero__inner {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 860px;
  margin: 0 auto;
}

.solutions-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #00A0E3;
  background: rgba(0, 160, 227, 0.12);
  border: 1px solid rgba(0, 160, 227, 0.28);
  padding: 6px 16px;
  border-radius: 20px;
  margin-bottom: 20px;
}

.solutions-hero__title {
  font-size: 46px;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -1px;
  margin-bottom: 20px;
  font-family: 'Manrope', sans-serif;
}

.solutions-hero__subtitle {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.6;
  max-width: 720px;
  margin: 0 auto 36px auto;
}

.solutions-hero__stats {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 28px;
  margin-top: 36px;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.10);
}

.stat-badge-item {
  display: flex;
  align-items: center;
  gap: 12px;
  text-align: left;
}

.stat-badge-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #00A0E3;
  flex-shrink: 0;
}

.stat-badge-info strong {
  display: block;
  font-size: 18px;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.2;
}

.stat-badge-info span {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.70);
}

/* Category Filter Controls */
.solutions-filter-wrap {
  padding: 40px 0 20px 0;
  background: #F8FAFC;
  border-bottom: 1px solid #E2E8F0;
  position: sticky;
  top: 72px;
  z-index: 90;
  backdrop-filter: blur(8px);
}

.solutions-filter-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}

.sol-filter-btn {
  font-size: 13px;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 30px;
  background: #FFFFFF;
  color: #475569;
  border: 1.5px solid #CBD5E1;
  cursor: pointer;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Manrope', sans-serif;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.02);
}

.sol-filter-btn:hover {
  border-color: #00A0E3;
  color: #00A0E3;
  transform: translateY(-1px);
}

.sol-filter-btn.active {
  background: #00A0E3;
  color: #FFFFFF;
  border-color: #00A0E3;
  box-shadow: 0 6px 16px rgba(0, 160, 227, 0.30);
}

/* Detailed Solutions Showcase Grid */
.solutions-showcase-section {
  padding: 60px 0 80px 0;
  background: #F8FAFC;
}

.solutions-detailed-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

/* Single Loan Isolated View from Navbar Submenu */
.solutions-detailed-grid.single-card-view {
  display: flex !important;
  justify-content: center !important;
  align-items: flex-start !important;
  max-width: 680px !important;
  margin: 0 auto !important;
}

.solutions-detailed-grid.single-card-view .sol-detail-card {
  width: 100% !important;
  max-width: 640px !important;
  box-shadow: 0 20px 45px rgba(7, 22, 44, 0.12) !important;
  border: 1.5px solid rgba(0, 160, 227, 0.35) !important;
  animation: singleCardFadeIn 0.35s ease forwards;
}

@keyframes singleCardFadeIn {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.single-loan-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #FFFFFF;
  border: 1.5px solid #E2E8F0;
  border-left: 4px solid var(--color-cyan, #00A0E3);
  padding: 14px 22px;
  border-radius: 14px;
  margin-bottom: 30px;
  box-shadow: 0 4px 16px rgba(7, 22, 44, 0.04);
  gap: 16px;
  flex-wrap: wrap;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
  animation: singleCardFadeIn 0.3s ease forwards;
}

.single-loan-banner__info {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: #475569;
}

.single-loan-banner__info strong {
  color: var(--color-navy, #07162C);
  font-weight: 800;
  font-size: 15px;
}

.single-loan-reset-btn {
  background: #EEF7FC;
  color: #00A0E3;
  border: 1px solid rgba(0, 160, 227, 0.25);
  padding: 8px 18px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: inherit;
}

.single-loan-reset-btn:hover {
  background: #00A0E3;
  color: #FFFFFF;
  border-color: #00A0E3;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(0, 160, 227, 0.25);
}

.sol-detail-card {
  background: #FFFFFF;
  border-radius: 16px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.sol-detail-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 36px rgba(7, 22, 44, 0.10);
  border-color: rgba(0, 160, 227, 0.40);
}

.sol-detail-card__img-wrap {
  position: relative;
  height: 210px;
  overflow: hidden;
  background: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
}

.sol-detail-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 0.4s ease;
}

.sol-detail-card__img-wrap--contain img {
  object-fit: contain !important;
  padding: 14px;
}

.sol-detail-card:hover .sol-detail-card__img-wrap img {
  transform: scale(1.05);
}

.sol-detail-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(7, 22, 44, 0.82);
  backdrop-filter: blur(6px);
  color: #F59E0B;
  font-size: 11px;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 20px;
  border: 1px solid rgba(245, 158, 11, 0.3);
  display: flex;
  align-items: center;
  gap: 6px;
}

.sol-detail-category-tag {
  position: absolute;
  bottom: 14px;
  right: 14px;
  background: #00A0E3;
  color: #FFFFFF;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  padding: 4px 10px;
  border-radius: 6px;
}

.sol-detail-card__body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.sol-detail-card__header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}

.sol-detail-card__icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(0, 160, 227, 0.10);
  color: #00A0E3;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.sol-detail-card__title {
  font-size: 20px;
  font-weight: 800;
  color: #07162C;
  line-height: 1.25;
  margin: 0;
  font-family: 'Manrope', sans-serif;
}

.sol-detail-card__desc {
  font-size: 13px;
  color: #475569;
  line-height: 1.55;
  margin-bottom: 18px;
}

/* Key Specs Pills */
.sol-specs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  background: #F8FAFC;
  padding: 12px;
  border-radius: 10px;
  margin-bottom: 18px;
  border: 1px solid #F1F5F9;
}

.sol-spec-item {
  display: flex;
  flex-direction: column;
}

.sol-spec-label {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: #64748B;
}

.sol-spec-val {
  font-size: 13px;
  font-weight: 800;
  color: #07162C;
}

.sol-features-list {
  list-style: none;
  padding: 0;
  margin: 0 0 20px 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.sol-features-list li {
  font-size: 12px;
  color: #334155;
  display: flex;
  align-items: center;
  gap: 8px;
}

.sol-features-list li svg {
  color: #10B981;
  flex-shrink: 0;
}

.sol-detail-card__footer {
  margin-top: auto;
  display: flex;
  align-items: center;
  gap: 10px;
}

.sol-btn-primary {
  flex: 1;
  text-align: center;
  background: linear-gradient(135deg, #00A0E3 0%, #0077B6 100%);
  color: #FFFFFF;
  font-size: 12px;
  font-weight: 700;
  padding: 10px 16px;
  border-radius: 8px;
  text-decoration: none;
  transition: all 0.2s ease;
  box-shadow: 0 4px 12px rgba(0, 160, 227, 0.25);
}

.sol-btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0, 160, 227, 0.35);
}

.sol-btn-calc {
  background: #F1F5F9;
  color: #334155;
  font-size: 12px;
  font-weight: 700;
  padding: 10px 14px;
  border-radius: 8px;
  text-decoration: none;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.sol-btn-calc:hover {
  background: #E2E8F0;
  color: #07162C;
}

/* Loan Comparison Matrix */
.solutions-compare-section {
  padding: 80px 0;
  background: #FFFFFF;
}

.compare-table-wrapper {
  overflow-x: auto;
  border-radius: 16px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-family: 'Manrope', sans-serif;
  text-align: left;
}

.compare-table th {
  background: #07162C;
  color: #FFFFFF;
  font-size: 13px;
  font-weight: 700;
  padding: 16px 20px;
  letter-spacing: 0.5px;
}

.compare-table td {
  padding: 16px 20px;
  border-bottom: 1px solid #F1F5F9;
  font-size: 13px;
  color: #334155;
}

.compare-table tr:hover td {
  background: #F8FAFC;
}

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

.td-loan-name {
  font-weight: 800;
  color: #07162C;
  display: flex;
  align-items: center;
  gap: 10px;
}

.td-loan-icon {
  width: 28px;
  height: 28px;
  border-radius: 6px;
  background: rgba(0, 160, 227, 0.12);
  color: #00A0E3;
  display: flex;
  align-items: center;
  justify-content: center;
}

.td-rate {
  font-weight: 800;
  color: #00A0E3;
}

/* Integrated EMI Calculator Section */
.solutions-calculator-section {
  padding: 80px 0;
  background: linear-gradient(180deg, #F8FAFC 0%, #EFF6FF 100%);
}

.sol-calc-container {
  background: #FFFFFF;
  border-radius: 20px;
  box-shadow: 0 10px 40px rgba(7, 22, 44, 0.08);
  border: 1px solid #E2E8F0;
  padding: 40px;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
}

.sol-calc-inputs {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.calc-slider-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.calc-slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.calc-slider-header label {
  font-size: 14px;
  font-weight: 700;
  color: #07162C;
}

.calc-slider-val {
  font-size: 16px;
  font-weight: 800;
  color: #00A0E3;
  background: rgba(0, 160, 227, 0.08);
  padding: 4px 12px;
  border-radius: 8px;
  border: 1px solid rgba(0, 160, 227, 0.2);
}

.sol-calc-tabs-pill {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 8px;
}

.sol-pill-btn {
  background: #F1F5F9;
  border: 1.5px solid #E2E8F0;
  color: #475569;
  font-family: 'Manrope', sans-serif;
  font-size: 13px;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: 20px;
  cursor: pointer;
  transition: all 0.2s ease;
}

.sol-pill-btn:hover {
  background: #E2E8F0;
  color: #0F172A;
  border-color: #CBD5E1;
}

.sol-pill-btn.active {
  background: #00A0E3;
  color: #FFFFFF;
  border-color: #00A0E3;
  box-shadow: 0 4px 12px rgba(0, 160, 227, 0.3);
}

.sol-typing-input-box {
  display: inline-flex;
  align-items: center;
  background: #FFFFFF;
  border: 1.5px solid #CBD5E1;
  border-radius: 10px;
  padding: 4px 12px;
  transition: all 0.2s ease;
  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.05);
}

.sol-typing-input-box:focus-within {
  border-color: #00A0E3;
  box-shadow: 0 0 0 3px rgba(0, 160, 227, 0.18);
  background: #FFFFFF;
}

.sol-input-prefix,
.sol-input-suffix {
  font-size: 15px;
  font-weight: 800;
  color: #00A0E3;
}

.sol-input-prefix {
  margin-right: 4px;
}

.sol-input-suffix {
  margin-left: 4px;
}

.sol-typing-input {
  border: none;
  background: transparent;
  outline: none;
  font-family: 'Manrope', sans-serif;
  font-size: 16px;
  font-weight: 800;
  color: #0A1C33;
  width: 140px;
  text-align: right;
}

.sol-typing-input--sm {
  width: 65px;
}

.sol-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  font-weight: 700;
  color: #94A3B8;
  margin-top: 4px;
}

.calc-range-input {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: #E2E8F0;
  outline: none;
  accent-color: #00A0E3;
  cursor: pointer;
}

.sol-calc-output {
  background: #07162C;
  border-radius: 16px;
  padding: 32px;
  color: #FFFFFF;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
}

.sol-calc-output::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(0, 160, 227, 0.25) 0%, rgba(0, 160, 227, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.calc-emi-box {
  margin-bottom: 24px;
}

.calc-emi-label {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 6px;
}

.calc-emi-amount {
  font-size: 38px;
  font-weight: 800;
  color: #F5A709;
  font-family: 'Manrope', sans-serif;
  line-height: 1;
}

.calc-summary-row {
  display: flex;
  justify-content: space-between;
  padding: 12px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 13px;
}

.calc-summary-row span:first-child {
  color: rgba(255, 255, 255, 0.7);
}

.calc-summary-row span:last-child {
  font-weight: 700;
  color: #FFFFFF;
}

/* How It Works Timeline */
.solutions-process-section {
  padding: 80px 0;
  background: #FFFFFF;
}

.sol-process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.sol-process-card {
  background: #F8FAFC;
  border-radius: 16px;
  padding: 28px 22px;
  border: 1px solid #E2E8F0;
  position: relative;
  transition: transform 0.25s ease;
}

.sol-process-card:hover {
  transform: translateY(-4px);
  border-color: #00A0E3;
}

.sol-process-step {
  font-size: 32px;
  font-weight: 800;
  color: rgba(0, 160, 227, 0.25);
  position: absolute;
  top: 16px;
  right: 18px;
  font-family: 'Manrope', sans-serif;
}

.sol-process-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: #00A0E3;
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  box-shadow: 0 4px 12px rgba(0, 160, 227, 0.3);
}

.sol-process-card h3 {
  font-size: 17px;
  font-weight: 800;
  color: #07162C;
  margin-bottom: 8px;
}

.sol-process-card p {
  font-size: 12.5px;
  color: #475569;
  line-height: 1.55;
  margin: 0;
}

/* FAQ Accordion Section */
.solutions-faq-section {
  padding: 80px 0;
  background: #F8FAFC;
}

.faq-container {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  background: #FFFFFF;
  border-radius: 12px;
  border: 1px solid #E2E8F0;
  overflow: hidden;
  transition: border-color 0.2s ease;
}

.faq-item.active {
  border-color: #00A0E3;
  box-shadow: 0 4px 16px rgba(0, 160, 227, 0.08);
}

.faq-question {
  width: 100%;
  padding: 18px 24px;
  background: none;
  border: none;
  text-align: left;
  font-size: 15px;
  font-weight: 700;
  color: #07162C;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: 'Manrope', sans-serif;
}

.faq-question svg {
  color: #00A0E3;
  transition: transform 0.25s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-question svg {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 24px 20px 24px;
  font-size: 13.5px;
  color: #475569;
  line-height: 1.6;
  display: none;
}

.faq-item.active .faq-answer {
  display: block;
}

/* Responsive queries for solutions.html */
@media (max-width: 1024px) {
  .solutions-detailed-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .sol-calc-container {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .solutions-hero__title {
    font-size: 32px;
  }

  .solutions-detailed-grid {
    grid-template-columns: 1fr;
  }

  .sol-process-grid {
    grid-template-columns: 1fr;
  }

  .solutions-filter-nav {
    justify-content: flex-start;
    overflow-x: auto;
    padding-bottom: 8px;
    flex-wrap: nowrap;
  }

  .sol-filter-btn {
    white-space: nowrap;
  }

  .sol-calc-container {
    padding: 24px;
  }
}

/* ==========================================================================
   IDENTITY LOAN STUDIO - Contact Page Styles (.contact-*)
   ========================================================================== */

.contact-channels-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 24px;
  margin-bottom: 60px;
}

.contact-channel-card {
  background: #ffffff;
  border-radius: 20px;
  padding: 32px 24px;
  text-align: center;
  border: 1px solid #E2E8F0;
  box-shadow: 0 10px 25px rgba(7, 22, 44, 0.04);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
}

.contact-channel-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: transparent;
  transition: background 0.3s ease;
}

.contact-channel-card--phone::before {
  background: var(--color-cyan, #00A0E3);
}

.contact-channel-card--whatsapp::before {
  background: #25D366;
}

.contact-channel-card--email::before {
  background: var(--color-orange, #F5A709);
}

.contact-channel-card--doorstep::before {
  background: #8B5CF6;
}

.contact-channel-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(7, 22, 44, 0.1);
  border-color: rgba(0, 160, 227, 0.3);
}

.contact-channel-icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px auto;
  transition: transform 0.3s ease;
}

.contact-channel-card:hover .contact-channel-icon {
  transform: scale(1.1);
}

.contact-channel-title {
  font-size: 20px;
  font-weight: 800;
  color: var(--color-navy, #07162C);
  margin-bottom: 8px;
}

.contact-channel-desc {
  font-size: 14px;
  color: #556070;
  line-height: 1.5;
  margin-bottom: 20px;
}

.contact-channel-link {
  font-size: 16px;
  font-weight: 800;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: color 0.2s ease;
}

.contact-main-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 36px;
  align-items: stretch;
  margin-bottom: 24px;
}

.contact-form-wrapper {
  background: #ffffff;
  border-radius: 24px;
  padding: 40px 38px;
  box-shadow: 0 20px 50px rgba(7, 22, 44, 0.08);
  border: 1px solid #E2E8F0;
  height: 100%;
  display: flex;
  flex-direction: column;
}

#contact-advisory-form {
  display: flex;
  flex-direction: column;
  flex: 1;
}

#contact-advisory-form .contact-form-group:last-of-type {
  flex: 1;
  display: flex;
  flex-direction: column;
  margin-bottom: 22px;
}

#contact-advisory-form .contact-form-textarea {
  flex: 1;
  min-height: 110px;
  resize: vertical;
}

.contact-form-header {
  margin-bottom: 28px;
}

.contact-form-title {
  font-size: 30px;
  font-weight: 800;
  color: var(--color-navy, #07162C);
  margin-bottom: 10px;
  letter-spacing: -0.5px;
}

.contact-form-subtitle {
  font-size: 15px;
  color: #556070;
  line-height: 1.6;
}

.contact-form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}

.contact-form-label {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--color-navy, #07162C);
  display: flex;
  justify-content: space-between;
}

.contact-form-input,
.contact-form-select,
.contact-form-textarea {
  width: 100%;
  padding: 14px 18px;
  border: 1px solid #CBD5E1;
  border-radius: 12px;
  font-size: 14.5px;
  font-family: inherit;
  color: #0F172A;
  background: #FAFCFF;
  transition: all 0.2s ease;
}

.contact-form-input:focus,
.contact-form-select:focus,
.contact-form-textarea:focus {
  outline: none;
  border-color: var(--color-cyan, #00A0E3);
  background: #FFFFFF;
  box-shadow: 0 0 0 4px rgba(0, 160, 227, 0.12);
}

.contact-form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.contact-office-card {
  background: #ffffff;
  border-radius: 24px;
  padding: 36px 30px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 12px 35px rgba(7, 22, 44, 0.05);
  transition: all 0.3s ease;
}

.contact-office-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 45px rgba(7, 22, 44, 0.09);
}

.contact-office-tag {
  display: inline-block;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.8px;
  padding: 6px 14px;
  border-radius: 20px;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.contact-office-tag--hq {
  background: rgba(0, 160, 227, 0.1);
  color: var(--color-cyan, #00A0E3);
}

.contact-office-tag--regional {
  background: rgba(245, 167, 9, 0.12);
  color: var(--color-orange, #F5A709);
}

.contact-office-name {
  font-size: 24px;
  font-weight: 800;
  color: var(--color-navy, #07162C);
  margin-bottom: 14px;
}

.contact-office-address {
  font-size: 14.5px;
  color: #475569;
  line-height: 1.6;
  margin-bottom: 24px;
  display: flex;
  gap: 12px;
}

.contact-office-meta {
  border-top: 1px solid #F1F5F9;
  padding-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 14px;
}

.contact-office-meta-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.contact-office-map-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  padding: 10px 18px;
  border-radius: 10px;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  color: var(--color-navy, #07162C);
  font-size: 13.5px;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.2s ease;
}

.contact-office-map-btn:hover {
  background: var(--color-cyan, #00A0E3);
  color: #ffffff;
  border-color: var(--color-cyan, #00A0E3);
}

@media (max-width: 1024px) {
  .contact-main-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .contact-form-wrapper {
    padding: 28px 20px;
  }

  .contact-form-row-2 {
    grid-template-columns: 1fr;
    gap: 0;
  }
}


/* ==========================================================================
   IDENTITY LOAN STUDIO - CTA Banner Card (.cta-banner-*)
   ========================================================================== */

.cta-banner-wrapper {
  position: relative;
  z-index: 10;
  margin-bottom: -70px;
}

.cta-banner-section {
  background: linear-gradient(135deg, #07162C 0%, #0F2B52 55%, #00A0E3 100%);
  border-radius: 28px;
  padding: 60px 48px;
  box-shadow: 0 25px 60px rgba(7, 22, 44, 0.25);
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.cta-banner-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(0, 160, 227, 0.35) 0%, rgba(0, 0, 0, 0) 70%);
  pointer-events: none;
}

.cta-banner__content {
  position: relative;
  z-index: 2;
  max-width: 800px;
}

.cta-banner__tag {
  display: inline-block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 1.5px;
  color: #FFC72C;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.cta-banner__heading {
  font-size: 38px;
  font-weight: 800;
  color: #FFFFFF !important;
  line-height: 1.25;
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}

.cta-banner__heading .text-yellow {
  color: #FFC72C !important;
}

.cta-banner__subtext {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.88) !important;
  line-height: 1.6;
  margin-bottom: 32px;
  max-width: 640px;
}

.cta-banner__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.btn--white {
  background: #FFFFFF !important;
  color: #07162C !important;
  font-weight: 800 !important;
  padding: 14px 28px !important;
  border-radius: 12px !important;
  text-decoration: none !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 8px !important;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.15) !important;
  transition: all 0.3s ease !important;
}

.btn--white:hover {
  background: #F0F9FF !important;
  color: #00A0E3 !important;
  transform: translateY(-2px) !important;
  box-shadow: 0 15px 30px rgba(0, 0, 0, 0.25) !important;
}

.btn--outline-light {
  background: rgba(255, 255, 255, 0.08) !important;
  color: #FFFFFF !important;
  border: 1px solid rgba(255, 255, 255, 0.3) !important;
  font-weight: 700 !important;
  padding: 14px 28px !important;
  border-radius: 12px !important;
  text-decoration: none !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 8px !important;
  transition: all 0.3s ease !important;
}

.btn--outline-light:hover {
  background: rgba(255, 255, 255, 0.2) !important;
  border-color: #FFFFFF !important;
  transform: translateY(-2px) !important;
}

/* ==========================================================================
   IDENTITY LOAN STUDIO - FAQ Section Styles (.faq-*)
   ========================================================================== */

.faq-header-split {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 40px;
  margin-bottom: 48px;
}

.faq-header-left {
  max-width: 540px;
}

.faq-header-left-top {
  display: flex;
  align-items: center;
  gap: 16px;
}

.faq-header-left .section__title {
  font-size: 36px;
  font-weight: 800;
  color: #07162C;
  line-height: 1.2;
  margin: 0;
  white-space: nowrap;
}

.faq-header-right {
  max-width: 420px;
  text-align: right;
  font-size: 15px;
  color: #64748B;
  line-height: 1.6;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 960px;
  margin: 0 auto;
}

.faq-item {
  background: #ffffff;
  border: 1px solid #E2E8F0;
  border-radius: 16px;
  overflow: hidden;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 4px 12px rgba(7, 22, 44, 0.02);
}

.faq-item.active {
  border-color: #38BDF8;
  background: #F0F9FF;
  box-shadow: 0 10px 30px rgba(0, 160, 227, 0.08);
}

.faq-question {
  width: 100%;
  padding: 22px 28px;
  background: transparent;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: left;
  font-size: 16.5px;
  font-weight: 700;
  color: #07162C;
  cursor: pointer;
  font-family: inherit;
  gap: 16px;
  transition: color 0.2s ease;
}

.faq-question span {
  flex: 1;
}

.faq-item.active .faq-question {
  color: #07162C;
  font-weight: 800;
}

.faq-icon {
  width: 20px;
  height: 20px;
  color: #00A0E3;
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 28px 24px 28px;
  font-size: 14.5px;
  color: #475569;
  line-height: 1.65;
  display: none;
}

.faq-item.active .faq-answer {
  display: block;
}

@media (max-width: 860px) {
  .faq-header-split {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  .faq-header-left-top {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }

  .faq-header-right {
    text-align: left;
  }

  .cta-banner-section {
    padding: 40px 24px;
  }

  .cta-banner__heading {
    font-size: 28px;
  }
}


/* ==========================================================================
   IDENTITY LOAN STUDIO - Exact Match CTA Banner Card (.cta-banner-card)
   ========================================================================== */

.cta-banner-wrapper {
  position: relative;
  z-index: 15;
  margin-bottom: -75px;
}

.cta-banner-card {
  position: relative;
  background: linear-gradient(90deg, rgba(5, 16, 32, 0.94) 0%, rgba(7, 22, 44, 0.88) 50%, rgba(10, 28, 56, 0.82) 100%),
    url('../images/hero-cityscape.jpg') center/cover no-repeat;
  border-radius: 28px;
  padding: 54px 50px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.12);
  overflow: hidden;
}

.cta-banner-left {
  max-width: 620px;
  z-index: 2;
}

.cta-banner-eyebrow {
  display: block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 1.5px;
  color: #00A0E3;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.cta-banner-title {
  font-size: 38px;
  font-weight: 800;
  color: #FFFFFF !important;
  line-height: 1.22;
  margin-bottom: 14px;
  letter-spacing: -0.5px;
}

.cta-banner-title .text-cyan {
  color: #00A0E3 !important;
}

.cta-banner-desc {
  font-size: 15px;
  color: rgba(226, 232, 240, 0.85) !important;
  line-height: 1.6;
  margin: 0;
  max-width: 580px;
}

.cta-banner-right {
  display: flex;
  align-items: center;
  gap: 16px;
  z-index: 2;
  flex-shrink: 0;
}

.btn-cta-orange {
  background: linear-gradient(90deg, #F5A709 0%, #FFAF1A 100%);
  color: #FFFFFF !important;
  font-size: 15px;
  font-weight: 800;
  padding: 15px 32px;
  border-radius: 50px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 10px 25px rgba(245, 167, 9, 0.35);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
}

.btn-cta-orange:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 15px 35px rgba(245, 167, 9, 0.5);
  background: linear-gradient(90deg, #DB9400 0%, #F5A709 100%);
}

.btn-cta-glass {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  color: #FFFFFF !important;
  border: 1px solid rgba(255, 255, 255, 0.22);
  font-size: 15px;
  font-weight: 700;
  padding: 15px 28px;
  border-radius: 50px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
}

.btn-cta-glass:hover {
  background: rgba(255, 255, 255, 0.18);
  border-color: rgba(255, 255, 255, 0.4);
  transform: translateY(-3px);
}

/* Vertical Gradient Accent Bars on Right Edge */
.cta-banner-bars {
  position: absolute;
  top: 0;
  right: 40px;
  height: 100%;
  display: flex;
  gap: 12px;
  pointer-events: none;
  z-index: 1;
  opacity: 0.65;
}

.cta-bar {
  width: 24px;
  height: 140%;
  transform: translateY(-20%) rotate(10deg);
  border-radius: 20px;
}

.cta-bar--blue {
  background: linear-gradient(180deg, rgba(0, 160, 227, 0.6) 0%, rgba(0, 160, 227, 0.05) 100%);
}

.cta-bar--orange {
  background: linear-gradient(180deg, rgba(245, 167, 9, 0.7) 0%, rgba(245, 167, 9, 0.1) 100%);
}

@media (max-width: 1024px) {
  .cta-banner-card {
    flex-direction: column;
    align-items: flex-start;
    padding: 40px 32px;
    gap: 28px;
  }

  .cta-banner-right {
    flex-wrap: wrap;
    width: 100%;
  }
}

@media (max-width: 640px) {
  .cta-banner-card {
    padding: 32px 24px;
  }

  .cta-banner-title {
    font-size: 28px;
  }
}

/* ==========================================================================
   FOOTER COMPONENT STYLES
   ========================================================================== */
.footer {
  background: #040E1E;
  color: #94A3B8;
  font-size: 14px;
  line-height: 1.6;
  position: relative;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  overflow: hidden;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, #00A0E3 50%, transparent 100%);
  opacity: 0.8;
}

.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.3fr;
  gap: 48px;
  padding: 70px 0 50px 0;
  align-items: start;
}

/* Brand Column */
.footer__col--brand {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
}

.footer__logo-link {
  display: inline-block;
  margin-bottom: 4px;
}

.footer__logo-img {
  height: 120px;
  width: auto;
  object-fit: contain;
  filter: brightness(1.08);
}

.footer__tagline {
  color: #94A3B8;
  font-size: 14px;
  line-height: 1.65;
  margin: 0;
}

.footer__trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245, 158, 11, 0.08);
  border: 1px solid rgba(245, 158, 11, 0.25);
  border-radius: 50px;
  padding: 6px 14px;
  color: #F59E0B;
  font-size: 12.5px;
  font-weight: 700;
  margin-top: 4px;
}

/* Footer Column Titles */
.footer__title {
  color: #FFFFFF;
  font-size: 17px;
  font-weight: 800;
  letter-spacing: 0.3px;
  margin-bottom: 24px;
  position: relative;
  padding-bottom: 10px;
}

.footer__title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 28px;
  height: 3px;
  background: #00A0E3;
  border-radius: 2px;
}

/* Footer Navigation Lists */
.footer__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer__list a {
  color: #94A3B8;
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: all 0.25s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer__list a:hover {
  color: #00A0E3;
  transform: translateX(4px);
}

/* Contact Info Column */
.footer__contact-item {
  margin-bottom: 18px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.footer__contact-item:last-child {
  margin-bottom: 0;
}

.footer__contact-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: rgba(0, 160, 227, 0.12);
  color: var(--color-cyan, #00A0E3);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  border: 1px solid rgba(0, 160, 227, 0.22);
  transition: all 0.25s ease;
}

.footer__contact-item:hover .footer__contact-icon {
  background: var(--color-cyan, #00A0E3);
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0, 160, 227, 0.35);
}

.footer__contact-content {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.footer__contact-item strong {
  color: #E2E8F0;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.footer__contact-item span,
.footer__contact-item a {
  color: #94A3B8;
  font-size: 13.5px;
  line-height: 1.5;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer__contact-item a:hover {
  color: #00A0E3;
}

/* Footer Bottom Bar */
.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 13.5px;
  color: #64748B;
}

.footer__bottom p {
  margin: 0;
  color: #94A3B8;
}

.footer__developer-credit {
  color: #94A3B8;
  font-size: 13.5px;
  display: flex;
  align-items: center;
  gap: 5px;
}

.footer__developer-credit a {
  color: #00A0E3;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.25s ease;
}

.footer__developer-credit a:hover {
  color: #F5A709;
  text-decoration: underline;
}

.footer__bottom-links {
  display: flex;
  align-items: center;
  gap: 20px;
}

.footer__bottom-links a {
  color: #94A3B8;
  text-decoration: none;
  font-size: 13px;
  transition: color 0.2s ease;
}

.footer__bottom-links a:hover {
  color: #FFFFFF;
}

/* Responsive Footer Layout */
@media (max-width: 1024px) {
  .footer__inner {
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    padding: 50px 0 40px 0;
  }
}

@media (max-width: 640px) {
  .footer__inner {
    grid-template-columns: 1fr;
    gap: 36px;
    padding: 40px 0 30px 0;
  }

  .footer__bottom {
    flex-direction: column;
    text-align: center;
    justify-content: center;
    gap: 12px;
  }

  .footer__bottom-links {
    justify-content: center;
  }
}

/* ==========================================================================
   WHY PARTNER WITH US SECTION (ABOUT PAGE)
   ========================================================================== */
.why-partner-section {
  position: relative;
  background: #FFFFFF;
}

.why-partner__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 45px;
}

.why-partner-card {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 18px;
  padding: 28px 24px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  display: flex;
  flex-direction: column;
  box-shadow: 0 4px 16px rgba(15, 23, 42, 0.03);
}

.why-partner-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.08);
  border-color: rgba(0, 160, 227, 0.35);
}

.why-partner-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.why-partner-icon--blue {
  background: #E8F4FE;
  color: #00A0E3;
}

.why-partner-icon--teal {
  background: #E6FBF5;
  color: #10B981;
}

.why-partner-icon--orange {
  background: #FFF4E8;
  color: #FF7A00;
}

.why-partner-icon--navy {
  background: #EEF2F6;
  color: #1E293B;
}

.why-partner-icon--purple {
  background: #F3E8FF;
  color: #8B5CF6;
}

.why-partner-icon--cyan {
  background: #E0F7FA;
  color: #00838F;
}

.why-partner-card__title {
  font-size: 18px;
  font-weight: 800;
  color: #0F172A;
  margin-bottom: 10px;
  line-height: 1.3;
}

.why-partner-card__desc {
  font-size: 14px;
  color: #5A6B82;
  line-height: 1.55;
  margin: 0;
}

/* Highlights Box with 8 Check items */
.why-partner__highlights-box {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 20px;
  padding: 36px 36px;
  box-shadow: 0 6px 20px rgba(15, 23, 42, 0.03);
}

.why-partner__highlights-header {
  margin-bottom: 24px;
  text-align: center;
}

.highlights-pill {
  display: inline-block;
  background: #E8F4FE;
  color: #00A0E3;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 8px;
  text-transform: uppercase;
}

.highlights-title {
  font-size: 22px;
  font-weight: 800;
  color: #0F172A;
  margin: 0;
}

.why-partner__checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px 28px;
}

.why-partner__check-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14.5px;
  font-weight: 700;
  color: #1E293B;
  background: #FFFFFF;
  padding: 12px 18px;
  border-radius: 12px;
  border: 1px solid #E2E8F0;
  transition: border-color 0.2s ease, transform 0.2s ease;
}

.why-partner__check-item:hover {
  border-color: #00A0E3;
  transform: translateX(4px);
}

.why-partner__check-item .check-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #E8F4FE;
  color: #00A0E3;
  font-size: 12px;
  font-weight: 800;
  flex-shrink: 0;
}

@media (max-width: 992px) {
  .why-partner__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .why-partner__checklist-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .why-partner__grid {
    grid-template-columns: 1fr;
  }
  .why-partner__highlights-box {
    padding: 24px 18px;
  }
  .highlights-title {
    font-size: 18px;
  }
}

/* ==========================================================================
   ABOUT PAGE: HOW IT WORKS (8 STEPS)
   ========================================================================== */
.about-how-it-works {
  position: relative;
  background: #F8FAFC;
}

.about-steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  margin-bottom: 0;
}

.about-step-card {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 18px;
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  box-shadow: 0 4px 14px rgba(15, 23, 42, 0.03);
}

.about-step-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.08);
  border-color: rgba(0, 160, 227, 0.35);
}

.about-step-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}

.about-step-badge {
  font-size: 15px;
  font-weight: 800;
  color: #00A0E3;
  background: #E8F4FE;
  padding: 4px 10px;
  border-radius: 10px;
  letter-spacing: 0.5px;
}

.about-step-icon {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.about-step-icon--blue {
  background: #E8F4FE;
  color: #00A0E3;
}

.about-step-icon--teal {
  background: #E6FBF5;
  color: #10B981;
}

.about-step-icon--orange {
  background: #FFF4E8;
  color: #FF7A00;
}

.about-step-icon--navy {
  background: #EEF2F6;
  color: #1E293B;
}

.about-step-icon--purple {
  background: #F3E8FF;
  color: #8B5CF6;
}

.about-step-title {
  font-size: 16px;
  font-weight: 800;
  color: #0F172A;
  margin: 0 0 10px 0;
  line-height: 1.35;
}

.about-step-desc {
  font-size: 13.5px;
  color: #5A6B82;
  line-height: 1.5;
  margin: 0;
}

/* Statement Callout Card */
.about-how-statement {
  background: linear-gradient(135deg, #0A1C33 0%, #06152B 100%);
  border-radius: 20px;
  padding: 36px 40px;
  text-align: center;
  color: #FFFFFF;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  box-shadow: 0 12px 35px rgba(6, 19, 39, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.statement-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0, 160, 227, 0.15);
  border: 1px solid rgba(0, 160, 227, 0.35);
  padding: 4px 14px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
  color: #38BDF8;
}

.statement-quote {
  font-size: 18px;
  font-weight: 600;
  color: #FFFFFF;
  max-width: 780px;
  line-height: 1.6;
  margin: 0;
}

@media (max-width: 1100px) {
  .about-steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .about-steps-grid {
    grid-template-columns: 1fr;
  }
  .about-how-statement {
    padding: 28px 20px;
  }
  .statement-quote {
    font-size: 15px;
  }
}

/* ==========================================================================
   GOOGLE REVIEWS & TESTIMONIALS SECTION (HOME PAGE)
   ========================================================================== */
.google-reviews-section {
  position: relative;
  background: #F8FAFC;
  padding: 85px 0 80px 0;
  border-top: 1px solid #EEF2F6;
  border-bottom: 1px solid #EEF2F6;
  overflow: hidden;
}

.reviews-header {
  text-align: center;
  max-width: 840px;
  margin: 0 auto 38px auto;
}

.google-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 50px;
  padding: 7px 18px;
  margin-bottom: 18px;
  box-shadow: 0 4px 14px rgba(11, 19, 43, 0.05);
}

.google-icon-svg {
  width: 20px;
  height: 20px;
  display: block;
}

.google-badge-stars {
  color: #FBBC04;
  font-size: 14px;
  letter-spacing: 2px;
}

.google-badge-score {
  font-size: 13px;
  color: #0F172A;
  font-weight: 600;
}

.google-badge-score strong {
  font-weight: 800;
  color: #0F172A;
}

.google-badge-dot {
  color: #94A3B8;
  font-size: 12px;
}

.google-badge-count {
  font-size: 12.5px;
  font-weight: 700;
  color: #00A0E3;
}

.reviews-title {
  font-size: 36px;
  font-weight: 800;
  color: #0B132B;
  letter-spacing: -0.8px;
  margin-bottom: 12px;
  font-family: 'Manrope', sans-serif;
  line-height: 1.2;
}

.reviews-desc {
  font-size: 15px;
  color: #5A6B82;
  line-height: 1.6;
  margin: 0 auto;
}

/* Proof / Quick Stats Strip */
.reviews-stats-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}

.reviews-stat-card {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 14px;
  padding: 18px 16px;
  text-align: center;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.02);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.reviews-stat-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(11, 19, 43, 0.06);
}

.reviews-stat-card .stat-number {
  display: block;
  font-size: 24px;
  font-weight: 900;
  color: #0B132B;
  font-family: 'Manrope', sans-serif;
  line-height: 1.1;
  margin-bottom: 4px;
}

.reviews-stat-card .stat-stars {
  color: #FBBC04;
  font-size: 12px;
  letter-spacing: 2px;
  margin-bottom: 4px;
}

.reviews-stat-card .stat-badge-sub {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  color: #00A0E3;
  margin-bottom: 2px;
}

.reviews-stat-card .stat-label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: #64748B;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* Carousel Control Bar */
.reviews-carousel-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
  padding: 0 4px;
}

.reviews-carousel-sub {
  font-size: 13px;
  font-weight: 600;
  color: #64748B;
  display: flex;
  align-items: center;
  gap: 6px;
}

.reviews-carousel-arrows {
  display: flex;
  align-items: center;
  gap: 8px;
}

.reviews-nav-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #FFFFFF;
  border: 1px solid #CBD5E1;
  color: #0F172A;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
  box-shadow: 0 2px 6px rgba(11, 19, 43, 0.04);
}

.reviews-nav-btn:hover {
  background: #00A0E3;
  color: #FFFFFF;
  border-color: #00A0E3;
  box-shadow: 0 4px 14px rgba(0, 160, 227, 0.35);
  transform: translateY(-2px);
}

.reviews-nav-btn:active {
  transform: translateY(0);
}

/* Scrolling Cards Track */
.reviews-slider-wrap {
  position: relative;
  margin-bottom: 38px;
}

.reviews-slider-track {
  display: flex;
  gap: 16px;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
  padding: 6px 2px 16px 2px;
  cursor: grab;
  scrollbar-width: thin;
  scrollbar-color: #CBD5E1 transparent;
}

.reviews-slider-track:active {
  cursor: grabbing;
}

.reviews-slider-track::-webkit-scrollbar {
  height: 6px;
}

.reviews-slider-track::-webkit-scrollbar-track {
  background: #F1F5F9;
  border-radius: 10px;
}

.reviews-slider-track::-webkit-scrollbar-thumb {
  background: #CBD5E1;
  border-radius: 10px;
}

.reviews-slider-track::-webkit-scrollbar-thumb:hover {
  background: #94A3B8;
}

/* Reduced Compact Card Size */
.review-card {
  flex: 0 0 310px;
  width: 310px;
  min-width: 310px;
  max-width: 310px;
  scroll-snap-align: start;
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 16px;
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  box-shadow: 0 3px 12px rgba(11, 19, 43, 0.04);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  user-select: none;
}

.review-card:hover {
  transform: translateY(-4px);
  border-color: #CBD5E1;
  box-shadow: 0 12px 28px rgba(11, 19, 43, 0.08);
}

.review-card-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 10px;
}

.reviewer-meta {
  display: flex;
  align-items: center;
  gap: 10px;
}

.reviewer-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13.5px;
  font-weight: 800;
  color: #FFFFFF;
  flex-shrink: 0;
  letter-spacing: -0.5px;
}

.reviewer-avatar--blue { background: linear-gradient(135deg, #00A0E3, #0284C7); }
.reviewer-avatar--purple { background: linear-gradient(135deg, #8B5CF6, #6366F1); }
.reviewer-avatar--teal { background: linear-gradient(135deg, #00B4D8, #0D9488); }
.reviewer-avatar--orange { background: linear-gradient(135deg, #F5A709, #D97706); }
.reviewer-avatar--navy { background: linear-gradient(135deg, #0B132B, #1E293B); }
.reviewer-avatar--rose { background: linear-gradient(135deg, #F43F5E, #E11D48); }

.reviewer-info h4 {
  font-size: 14.5px;
  font-weight: 800;
  color: #0F172A;
  margin: 0 0 1px 0;
  display: flex;
  align-items: center;
  gap: 5px;
  line-height: 1.2;
}

.verified-g-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 14px;
  height: 14px;
  background: #34A853;
  color: #FFFFFF;
  border-radius: 50%;
  font-size: 9px;
  font-weight: 900;
}

.reviewer-location {
  font-size: 11.5px;
  color: #64748B;
  display: flex;
  align-items: center;
  gap: 3px;
}

.review-g-corner {
  opacity: 0.85;
  flex-shrink: 0;
}

.review-stars-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.review-stars {
  color: #FBBC04;
  font-size: 13px;
  letter-spacing: 1.5px;
}

.review-date {
  font-size: 11.5px;
  color: #94A3B8;
  font-weight: 500;
}

.loan-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 6px;
  margin-bottom: 10px;
  letter-spacing: 0.2px;
  width: fit-content;
}

.loan-tag--home { background: #E0F2FE; color: #0284C7; }
.loan-tag--business { background: #FEF3C7; color: #D97706; }
.loan-tag--bt { background: #DCFCE7; color: #16A34A; }
.loan-tag--lap { background: #EDE9FE; color: #7C3AED; }
.loan-tag--msme { background: #FFEDD5; color: #EA580C; }
.loan-tag--doctor { background: #E0E7FF; color: #4F46E5; }

.review-text {
  font-size: 12.8px;
  color: #334155;
  line-height: 1.55;
  margin-bottom: 14px;
  flex-grow: 1;
}

.review-highlight {
  background: #F1F5F9;
  border-radius: 7px;
  padding: 7px 10px;
  font-size: 11.5px;
  font-weight: 700;
  color: #0F172A;
  display: flex;
  align-items: center;
  gap: 5px;
}

.review-owner-reply {
  margin-top: 10px;
  margin-bottom: 12px;
  padding: 8px 12px;
  background: #F8FAFC;
  border-left: 3px solid #00A0E3;
  border-radius: 0 8px 8px 0;
}

.owner-reply-header {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 3px;
}

.owner-badge-tag {
  font-size: 10px;
  font-weight: 800;
  color: #0284C7;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.owner-reply-text {
  font-size: 11.5px;
  color: #475569;
  line-height: 1.45;
  font-style: italic;
  margin: 0;
}


/* Bottom Action Strip */
.reviews-bottom-action {
  background: linear-gradient(135deg, #0B132B 0%, #152243 100%);
  border-radius: 18px;
  padding: 22px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  box-shadow: 0 14px 34px rgba(11, 19, 43, 0.18);
}

.reviews-action-left {
  display: flex;
  align-items: center;
  gap: 16px;
}

.google-verified-shield {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.action-headline {
  font-size: 17px;
  font-weight: 800;
  color: #FFFFFF;
  margin: 0 0 3px 0;
  font-family: 'Manrope', sans-serif;
}

.action-sub {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.7);
  margin: 0;
}

.reviews-action-buttons {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

@media (max-width: 1024px) {
  .reviews-stats-strip {
    grid-template-columns: repeat(2, 1fr);
  }
  .reviews-bottom-action {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 640px) {
  .google-reviews-section {
    padding: 60px 0;
  }
  .reviews-title {
    font-size: 27px;
  }
  .reviews-stats-strip {
    grid-template-columns: 1fr;
  }
  .google-badge-pill {
    flex-wrap: wrap;
    border-radius: 14px;
    justify-content: center;
  }
  .reviews-carousel-bar {
    flex-direction: row;
  }
  .review-card {
    flex: 0 0 280px;
    width: 280px;
    min-width: 280px;
    max-width: 280px;
  }
  .reviews-action-buttons {
    width: 100%;
  }
  .reviews-action-buttons .btn {
    width: 100%;
    text-align: center;
  }
}


/* ==========================================================================
   BANKING ASSOCIATES & CLIENTELE SECTION (STANDALONE SECTION)
   ========================================================================== */
.clientele-section {
  background: #FFFFFF;
  padding: 65px 0 75px 0;
  position: relative;
  width: 100%;
}

.clientele-section .clientele-header {
  text-align: center;
  max-width: 820px;
  margin: 0 auto 36px auto;
}

.clientele-section .clientele-showcase-frame {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 24px;
  padding: 34px 28px;
  box-shadow: 0 4px 18px rgba(15, 23, 42, 0.03);
  margin: 0;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
}

.clientele-showcase-frame {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 28px;
  padding: 36px 0;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.04);
  margin-top: 36px;
  position: relative;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 5%, #000 95%, transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0%, #000 5%, #000 95%, transparent 100%);
}

.clientele-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 34px auto;
}

.clientele-eyebrow {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 2px;
  color: #00A0E3;
  margin-bottom: 8px;
  text-transform: uppercase;
}

.clientele-title {
  font-size: 30px;
  font-weight: 800;
  color: #0B132B;
  letter-spacing: -0.6px;
  margin-bottom: 10px;
  font-family: 'Manrope', sans-serif;
  line-height: 1.25;
}

.clientele-desc {
  font-size: 14.5px;
  color: #64748B;
  line-height: 1.55;
  margin: 0 auto;
}

/* ==================== CLIENTELE MARQUEE SCROLLER / SLIDER ==================== */
.clientele-slider-wrap {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
}

.clientele-marquee-row {
  display: flex;
  overflow: hidden;
  user-select: none;
  width: 100%;
}

.clientele-marquee-track {
  display: flex;
  align-items: center;
  gap: 18px;
  width: max-content;
  flex-shrink: 0;
  will-change: transform;
}

.clientele-marquee-track--left {
  animation: clienteleScrollLeft 65s linear infinite;
}

.clientele-marquee-track--right {
  animation: clienteleScrollRight 65s linear infinite;
}

/* Pause on hover to allow users to inspect any logo closely */
.clientele-marquee-row:hover .clientele-marquee-track {
  animation-play-state: paused;
}

@keyframes clienteleScrollLeft {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

@keyframes clienteleScrollRight {
  0% {
    transform: translateX(-50%);
  }
  100% {
    transform: translateX(0);
  }
}

.clientele-card {
  background: #FFFFFF;
  border: 1px solid #EAEFF5;
  border-radius: 14px;
  width: 185px;
  height: 90px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px 18px;
  box-shadow: 0 3px 10px rgba(15, 23, 42, 0.04);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
  box-sizing: border-box;
  cursor: pointer;
}

.clientele-card:hover {
  transform: translateY(-4px) scale(1.02);
  border-color: #00A0E3;
  box-shadow: 0 10px 24px rgba(0, 160, 227, 0.16);
  z-index: 5;
}

.clientele-logo-img {
  max-height: 56px;
  max-width: 145px;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 1px 1px rgba(0, 0, 0, 0.02));
  transition: transform 0.22s ease;
}

.clientele-card:hover .clientele-logo-img {
  transform: scale(1.05);
}

@media (max-width: 992px) {
  .clientele-showcase-frame {
    padding: 26px 0;
    border-radius: 20px;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 3%, #000 97%, transparent 100%);
    mask-image: linear-gradient(90deg, transparent 0%, #000 3%, #000 97%, transparent 100%);
  }
  .clientele-title {
    font-size: 25px;
  }
  .clientele-slider-wrap {
    gap: 14px;
  }
  .clientele-marquee-track {
    gap: 14px;
  }
  .clientele-card {
    width: 155px;
    height: 78px;
    padding: 8px 14px;
  }
  .clientele-logo-img {
    max-height: 46px;
    max-width: 120px;
  }
  .clientele-marquee-track--left {
    animation-duration: 52s;
  }
  .clientele-marquee-track--right {
    animation-duration: 52s;
  }
}

@media (max-width: 640px) {
  .clientele-showcase-frame {
    padding: 20px 0;
    border-radius: 16px;
  }
  .clientele-title {
    font-size: 21px;
  }
  .clientele-slider-wrap {
    gap: 12px;
  }
  .clientele-marquee-track {
    gap: 12px;
  }
  .clientele-card {
    width: 135px;
    height: 68px;
    padding: 6px 10px;
    border-radius: 12px;
  }
  .clientele-logo-img {
    max-height: 40px;
    max-width: 105px;
  }
  .clientele-marquee-track--left {
    animation-duration: 42s;
  }
  .clientele-marquee-track--right {
    animation-duration: 42s;
  }
}

/* Scroll Offset & Smooth Navigation */
html {
  scroll-behavior: smooth;
}

[id] {
  scroll-margin-top: 90px;
}

/* ==========================================================================
   OUR FOUNDERS POPUP MODAL (Zakir Hussain & Ramesh)
   ========================================================================== */
.founder-modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 999999;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.28s ease, visibility 0.28s ease;
}

.founder-modal-overlay.active {
  display: flex;
  opacity: 1;
  visibility: visible;
}

.founder-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(7, 22, 44, 0.75);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  cursor: pointer;
}

.founder-modal-container {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 820px;
  max-height: 92vh;
  display: flex;
  flex-direction: column;
  transform: translateY(20px) scale(0.97);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.founder-modal-overlay.active .founder-modal-container {
  transform: translateY(0) scale(1);
}

.founder-modal-card {
  background: #FFFFFF;
  border-radius: 24px;
  box-shadow: 0 25px 60px -10px rgba(7, 22, 44, 0.35);
  border: 1.5px solid #E2E8F0;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  max-height: 92vh;
}

/* Modal Header */
.founder-modal__header {
  padding: 24px 28px 18px 28px;
  background: #FAFDFE;
  border-bottom: 1px solid #EBF1F6;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  flex-shrink: 0;
}

.founder-modal__header-content {
  display: flex;
  flex-direction: column;
}

.founder-modal__eyebrow {
  font-size: 11px;
  font-weight: 800;
  color: var(--color-cyan, #00A0E3);
  letter-spacing: 1.6px;
  text-transform: uppercase;
  margin-bottom: 4px;
  display: inline-block;
}

.founder-modal__title {
  font-size: 26px;
  font-weight: 800;
  color: var(--color-navy, #07162C);
  margin: 0 0 4px 0;
  line-height: 1.2;
}

.founder-modal__subtitle {
  font-size: 13.5px;
  color: #64748B;
  font-weight: 500;
  margin: 0;
}

.founder-modal__close {
  background: #EEF7FC;
  border: 1px solid rgba(0, 160, 227, 0.2);
  color: #07162C;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
  flex-shrink: 0;
  margin-top: 2px;
}

.founder-modal__close:hover {
  background: var(--color-cyan, #00A0E3);
  color: #FFFFFF;
  border-color: var(--color-cyan, #00A0E3);
  transform: rotate(90deg);
}

/* Modal Body */
.founder-modal__body {
  padding: 24px 28px;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* 2 Columns Grid for Profiles */
.founder-modal__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  align-items: stretch;
}

.founder-modal__profile {
  background: #F8FAFC;
  border: 1.5px solid #E2E8F0;
  border-radius: 18px;
  padding: 22px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
  box-sizing: border-box;
  transition: all 0.25s ease;
}

.founder-modal__profile:hover,
.founder-modal__profile.highlighted {
  border-color: var(--color-cyan, #00A0E3);
  background: #FFFFFF;
  box-shadow: 0 10px 28px rgba(0, 160, 227, 0.12);
}

.founder-modal__profile-head {
  display: flex;
  gap: 16px;
  align-items: center;
  min-height: 105px;
}

.founder-modal__avatar-wrap {
  position: relative;
  width: 90px;
  height: 105px;
  border-radius: 14px;
  overflow: hidden;
  flex-shrink: 0;
  box-shadow: 0 6px 16px rgba(7, 22, 44, 0.10);
  border: 2px solid #FFFFFF;
}

.founder-modal__avatar {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.founder-modal__badge {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(7, 22, 44, 0.88);
  color: #FFFFFF;
  font-size: 9px;
  font-weight: 700;
  text-align: center;
  padding: 2px 0;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.founder-modal__meta {
  display: flex;
  flex-direction: column;
  justify-content: center;
  flex: 1;
}

.founder-modal__name {
  font-size: 19px;
  font-weight: 800;
  color: var(--color-navy, #07162C);
  margin: 0 0 4px 0;
  line-height: 1.2;
}

.founder-modal__role-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  color: var(--color-cyan, #00A0E3);
  background: #EEF7FC;
  padding: 2px 8px;
  border-radius: 6px;
  width: fit-content;
  margin-bottom: 6px;
}

.founder-modal__designation {
  font-size: 13px;
  font-weight: 700;
  color: #334155;
  line-height: 1.35;
  margin: 0;
  min-height: 36px;
  display: flex;
  align-items: center;
}

.founder-modal__profile-bio {
  padding-top: 14px;
  border-top: 1px dashed #E2E8F0;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
}

.founder-modal__profile-bio p {
  font-size: 13.5px;
  color: #475569;
  line-height: 1.65;
  margin: 0;
  text-wrap: pretty;
}

.founder-modal__focus-box {
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px dashed #E2E8F0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.founder-focus-title {
  font-size: 10.5px;
  font-weight: 800;
  color: var(--color-navy, #07162C);
  text-transform: uppercase;
  letter-spacing: 0.6px;
}

.founder-modal__focus-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.founder-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11.5px;
  font-weight: 700;
  color: #334155;
  background: #FFFFFF;
  border: 1px solid #CBD5E1;
  padding: 4px 10px;
  border-radius: 20px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
}

.founder-tag svg {
  flex-shrink: 0;
}

/* Synergy / Complementary Strengths Banner */
.founder-modal__synergy {
  background: linear-gradient(135deg, #07162C 0%, #0D2B52 100%);
  border-radius: 16px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  color: #FFFFFF;
  box-shadow: 0 10px 24px rgba(7, 22, 44, 0.15);
}

.founder-modal__synergy-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(0, 160, 227, 0.2);
  color: var(--color-cyan, #00A0E3);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.founder-modal__synergy-text {
  font-size: 13.5px;
  line-height: 1.55;
  color: #E2E8F0;
  margin: 0;
  font-weight: 500;
}

/* Modal Footer */
.founder-modal__footer {
  padding: 16px 28px;
  background: #FAFDFE;
  border-top: 1px solid #EBF1F6;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  flex-shrink: 0;
}

.founder-modal__footer-contact {
  font-size: 13px;
  color: #64748B;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.founder-modal__footer-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--color-cyan, #00A0E3);
  font-weight: 700;
  text-decoration: none;
  transition: color 0.2s ease;
}

.founder-modal__footer-phone:hover {
  color: #007bb0;
  text-decoration: underline;
}

/* Responsive Styles for Founder Modal */
@media (max-width: 768px) {
  .founder-modal-overlay {
    padding: 12px;
  }
  .founder-modal-container {
    max-height: 94vh;
  }
  .founder-modal-card {
    border-radius: 18px;
    max-height: 94vh;
  }
  .founder-modal__header {
    padding: 18px 20px 14px 20px;
  }
  .founder-modal__title {
    font-size: 22px;
  }
  .founder-modal__body {
    padding: 18px 20px;
    gap: 16px;
  }
  .founder-modal__grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .founder-modal__profile {
    padding: 16px;
  }
  .founder-modal__synergy {
    flex-direction: column;
    text-align: center;
    padding: 16px;
    gap: 10px;
  }
  .founder-modal__footer {
    padding: 14px 20px;
    flex-direction: column;
    align-items: stretch;
    text-align: center;
    gap: 12px;
  }
  .founder-modal__footer-contact {
    justify-content: center;
  }
  .founder-modal__footer-actions .btn {
    width: 100%;
    text-align: center;
  }
}