/* ============================================================
   Venky Consultancy — Home Loan & Financial Advisory
   Shared stylesheet
   ============================================================ */

:root {
  --teal:        #1DC9A4;  /* primary bright teal */
  --emerald:     #00C49A;  /* accent emerald */
  --forest:      #1B5E5E;  /* dark forest teal */
  --white:       #FFFFFF;
  --tint:        #E8F8F5;  /* light teal tint */

  --ink:         #143b3b;  /* readable dark text (derived from forest) */
  --muted:       #5a7a7a;  /* secondary text */
  --line:        #d6ece7;  /* hairline borders */
  --whatsapp:    #25D366;

  --shadow-sm: 0 2px 8px rgba(27, 94, 94, .06);
  --shadow:    0 10px 30px rgba(27, 94, 94, .10);
  --shadow-lg: 0 24px 60px rgba(27, 94, 94, .16);

  --radius:    18px;
  --radius-lg: 26px;

  --maxw: 1180px;

  --grad-hero: linear-gradient(135deg, #1DC9A4 0%, #16a98c 45%, #1B5E5E 100%);
  --grad-soft: linear-gradient(180deg, #E8F8F5 0%, #ffffff 100%);

  --font-head: "Poppins", "Inter", system-ui, sans-serif;
  --font-body: "Inter", system-ui, sans-serif;

  --glass-bg: rgba(255,255,255,.6);
  --glass-border: rgba(255,255,255,.4);
  --surface: #ffffff;
  --surface-2: #f4fbfa;
  --bg: #ffffff;
  --heading: var(--forest);

  color-scheme: light;
}

/*
  --forest and --white are brand-color tokens used both as text color and as
  solid block backgrounds (hero/footer/gradients) that intentionally stay the
  same across themes. Dark mode gets its own --bg/--surface/--heading tokens
  instead of overriding --forest/--white, so text that reads "forest on white"
  in light mode doesn't silently become "near-black on near-black" here.
*/
[data-theme="dark"] {
  --surface: #143333;
  --surface-2: #173a3a;
  --tint:    #17403f;
  --ink:     #eafdf9;
  --muted:   #9fc9c2;
  --line:    #234e4d;
  --bg:      #0f2323;
  --heading: var(--ink);

  --glass-bg: rgba(20,51,51,.55);
  --glass-border: rgba(255,255,255,.08);

  --shadow-sm: 0 2px 10px rgba(0,0,0,.28);
  --shadow:    0 10px 30px rgba(0,0,0,.36);
  --shadow-lg: 0 24px 60px rgba(0,0,0,.48);

  color-scheme: dark;
}
[data-theme="dark"] body { background: var(--bg); }
[data-theme="dark"] .sec-soft { background: linear-gradient(180deg, #123232 0%, #0f2323 100%); }
[data-theme="dark"] .sec-tint { background: var(--tint); }
[data-theme="dark"] .card, [data-theme="dark"] .t-card, [data-theme="dark"] .step,
[data-theme="dark"] .bank-pill, [data-theme="dark"] .badge, [data-theme="dark"] .info-row,
[data-theme="dark"] .calc-card, [data-theme="dark"] .compare-wrap, [data-theme="dark"] .faq-item,
[data-theme="dark"] .chart-card, [data-theme="dark"] .doc-item, [data-theme="dark"] .elig-card,
[data-theme="dark"] .theme-toggle, [data-theme="dark"] .tl-step .tl-ic,
[data-theme="dark"] .carousel-nav button, [data-theme="dark"] .nav-links, [data-theme="dark"] .blog-cat {
  background: var(--surface); border-color: var(--line);
}
[data-theme="dark"] input, [data-theme="dark"] select, [data-theme="dark"] textarea { background: var(--surface); color: var(--ink); }
[data-theme="dark"] .nav { background: rgba(15,35,35,.85); border-color: var(--line); }
[data-theme="dark"] .calc-result, [data-theme="dark"] .compare-table thead { background: var(--surface-2); }
[data-theme="dark"] .compare-col.bad { background: #2a1815; border-color: #4a2822; }
[data-theme="dark"] .compare-col.bad .compare-step { color: #ff9686; }
[data-theme="dark"] .compare-col.bad h4 { color: #ff9686; }

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; scroll-padding-top: 120px; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  transition: background .3s ease, color .3s ease;
}

/* ============================================================
   SCROLL PROGRESS BAR
   ============================================================ */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0%;
  background: linear-gradient(90deg, var(--teal), var(--emerald));
  z-index: 999; transition: width .1s linear;
}

/* ============================================================
   THEME TOGGLE
   ============================================================ */
.theme-toggle {
  width: 40px; height: 40px; border-radius: 50%; border: 1px solid var(--line);
  background: var(--white); color: var(--heading); display: grid; place-items: center;
  cursor: pointer; transition: .2s; flex: none;
}
.theme-toggle:hover { border-color: var(--teal); color: var(--teal); }
.theme-toggle svg { width: 19px; height: 19px; }
.theme-toggle .i-sun { display: none; }
[data-theme="dark"] .theme-toggle .i-moon { display: none; }
[data-theme="dark"] .theme-toggle .i-sun { display: block; }

/* ============================================================
   BACK TO TOP
   ============================================================ */
.back-top {
  position: fixed; right: 22px; bottom: 92px; z-index: 200;
  width: 48px; height: 48px; border-radius: 50%; background: var(--forest); color: #fff;
  display: grid; place-items: center; box-shadow: var(--shadow); cursor: pointer;
  opacity: 0; pointer-events: none; transform: translateY(10px);
  transition: opacity .25s ease, transform .25s ease, background .2s;
}
.back-top.show { opacity: 1; pointer-events: auto; transform: none; }
.back-top:hover { background: var(--teal); }
.back-top svg { width: 20px; height: 20px; }

/* ============================================================
   BUTTON RIPPLE
   ============================================================ */
.btn { position: relative; overflow: hidden; }
.btn .ripple {
  position: absolute; border-radius: 50%; transform: scale(0);
  background: rgba(255,255,255,.55); animation: ripple .6s ease-out; pointer-events: none;
}
@keyframes ripple { to { transform: scale(2.6); opacity: 0; } }

/* ============================================================
   GLASSMORPHISM CARDS
   ============================================================ */
.glass {
  background: var(--glass-bg); backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid var(--glass-border);
}

/* ============================================================
   FLOATING BG ICONS (hero)
   ============================================================ */
.float-icons { position: absolute; inset: 0; overflow: hidden; z-index: 1; pointer-events: none; }
.float-icons span {
  position: absolute; display: grid; place-items: center; border-radius: 16px;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.18);
  color: rgba(255,255,255,.85); animation: floaty 7s ease-in-out infinite;
}
.float-icons span svg { width: 46%; height: 46%; }
@keyframes floaty { 0%,100% { transform: translateY(0) rotate(0deg); } 50% { transform: translateY(-18px) rotate(6deg); } }
@media (prefers-reduced-motion: reduce) { .float-icons span { animation: none; } }

/* ============================================================
   TRUST STRIP (avatars + badges)
   ============================================================ */
.avatar-stack { display: flex; align-items: center; }
.avatar-stack .av {
  width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center;
  font-family: var(--font-head); font-weight: 700; font-size: .78rem; color: #fff;
  border: 2.5px solid var(--forest); margin-left: -12px; box-shadow: var(--shadow-sm);
}
.avatar-stack .av:first-child { margin-left: 0; }
.trust-strip { display: flex; align-items: center; gap: 14px; margin-top: 26px; flex-wrap: wrap; }
.trust-strip .txt { font-size: .84rem; color: #e9fffa; }
.trust-strip .txt strong { display: block; color: #fff; font-family: var(--font-head); }

.partner-strip { display: flex; align-items: center; gap: 18px; margin-top: 22px; flex-wrap: wrap; opacity: .92; }
.partner-strip span { font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: #cdeee7; }
.partner-strip .chip {
  font-family: var(--font-head); font-weight: 700; font-size: .78rem; color: #fff;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.24);
  padding: 5px 12px; border-radius: 999px;
}

/* ============================================================
   COUNTER
   ============================================================ */
[data-counter] { font-variant-numeric: tabular-nums; }

/* ============================================================
   TIMELINE (loan process)
   ============================================================ */
.timeline { position: relative; display: grid; grid-template-columns: repeat(6,1fr); gap: 14px; counter-reset: tl; }
.timeline::before {
  content: ""; position: absolute; top: 34px; left: 6%; right: 6%; height: 2px;
  background: repeating-linear-gradient(90deg, var(--teal) 0 10px, transparent 10px 18px);
}
@media (max-width: 980px) { .timeline { grid-template-columns: repeat(2,1fr); } .timeline::before { display: none; } }
@media (max-width: 560px) { .timeline { grid-template-columns: 1fr; } }
.tl-step { position: relative; text-align: center; z-index: 2; }
.tl-step .tl-ic {
  counter-increment: tl; width: 68px; height: 68px; border-radius: 20px; margin: 0 auto 14px;
  display: grid; place-items: center; background: var(--white); border: 2px solid var(--teal);
  color: var(--teal); box-shadow: var(--shadow-sm); transition: transform .25s ease, background .25s ease, color .25s ease;
}
.tl-step .tl-ic svg { width: 28px; height: 28px; }
.tl-step:hover .tl-ic { transform: translateY(-6px) scale(1.06); background: var(--grad-hero); color: #fff; border-color: transparent; }
.tl-step h4 { font-family: var(--font-head); font-size: .96rem; color: var(--heading); margin-bottom: 4px; }
.tl-step p { font-size: .8rem; color: var(--muted); }
.tl-step .tl-num {
  position: absolute; top: -6px; right: calc(50% - 44px); width: 22px; height: 22px; border-radius: 50%;
  background: var(--emerald); color: #fff; font-size: .68rem; font-weight: 700; font-family: var(--font-head);
  display: grid; place-items: center; box-shadow: 0 2px 6px rgba(0,196,154,.5);
}

/* ============================================================
   ELIGIBILITY CALCULATOR
   ============================================================ */
.elig-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(24px,4vw,36px); box-shadow: var(--shadow); }
.elig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 34px; align-items: start; }
@media (max-width: 860px) { .elig-grid { grid-template-columns: 1fr; } }
.elig-fields .field { margin-bottom: 16px; }
.elig-result { background: var(--grad-hero); border-radius: var(--radius); padding: 26px; color: #fff; text-align: center; }
.elig-result .amt { font-family: var(--font-head); font-weight: 800; font-size: clamp(1.9rem,4vw,2.6rem); margin: 6px 0 2px; }
.elig-result .lbl { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: #d4fff4; }
.elig-mini { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 18px; }
.elig-mini div { background: rgba(255,255,255,.14); border-radius: 12px; padding: 12px; }
.elig-mini b { display: block; font-family: var(--font-head); font-size: 1.1rem; }
.elig-mini span { font-size: .72rem; color: #d4fff4; }

/* ============================================================
   COMPARE BANKS TABLE
   ============================================================ */
.compare-toolbar { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 20px; align-items: center; justify-content: space-between; }
.compare-toolbar input[type="search"] {
  padding: 11px 16px; border-radius: 12px; border: 1px solid var(--line); font-family: var(--font-body);
  min-width: 220px; background: var(--white); color: var(--ink);
}
.compare-toolbar select { padding: 11px 14px; border-radius: 12px; border: 1px solid var(--line); background: var(--white); color: var(--ink); font-family: var(--font-body); }
.compare-wrap { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.compare-scroll { overflow-x: auto; }
.compare-table { width: 100%; border-collapse: collapse; min-width: 720px; }
.compare-table thead { background: var(--tint); }
.compare-table th {
  text-align: left; font-family: var(--font-head); font-size: .78rem; text-transform: uppercase; letter-spacing: .06em;
  color: var(--heading); padding: 14px 18px; cursor: pointer; user-select: none; white-space: nowrap;
}
.compare-table th .arrow { opacity: .4; font-size: .7rem; margin-left: 4px; }
.compare-table td { padding: 16px 18px; border-top: 1px solid var(--line); font-size: .92rem; }
.compare-table tr { transition: background .15s; }
.compare-table tbody tr:hover { background: var(--tint); }
.bank-name { display: flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 600; color: var(--heading); }
.bank-name .dot { width: 28px; height: 28px; border-radius: 8px; display: grid; place-items: center; color: #fff; font-family: var(--font-head); font-weight: 700; font-size: .78rem; flex: none; }
.rate-pill { display: inline-block; background: var(--tint); color: var(--heading); font-family: var(--font-head); font-weight: 700; padding: 4px 10px; border-radius: 999px; font-size: .85rem; }
.rating-stars { display: inline-flex; align-items: center; gap: 4px; font-family: var(--font-head); font-weight: 700; color: var(--heading); }
.rating-stars svg { width: 15px; height: 15px; color: #f5b50a; }

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-card { text-align: center; padding: 30px 22px; }
.why-card .icon-badge { margin: 0 auto 16px; }

/* ============================================================
   LOAN CATEGORIES (interactive)
   ============================================================ */
.cat-card { position: relative; overflow: hidden; cursor: pointer; }
.cat-card::before {
  content: ""; position: absolute; inset: 0; background: var(--grad-hero); opacity: 0;
  transition: opacity .3s ease; z-index: 0;
}
.cat-card:hover::before { opacity: 1; }
.cat-card:hover { transform: translateY(-8px) scale(1.02); }
.cat-card > * { position: relative; z-index: 1; transition: color .3s ease; }
.cat-card:hover .icon-badge { background: rgba(255,255,255,.22); color: #fff; }
.cat-card:hover h3, .cat-card:hover p { color: #fff; }
.cat-card:hover .svc-rate { background: rgba(255,255,255,.22); color: #fff; }

/* ============================================================
   DOCUMENT CHECKLIST TIMELINE
   ============================================================ */
.doc-list { display: grid; gap: 14px; max-width: 640px; margin-inline: auto; }
.doc-item {
  display: flex; align-items: center; gap: 16px; background: var(--white); border: 1px solid var(--line);
  border-radius: 14px; padding: 16px 20px; box-shadow: var(--shadow-sm); transition: .2s;
}
.doc-item:hover { border-color: var(--teal); transform: translateX(6px); }
.doc-item .ic { width: 44px; height: 44px; border-radius: 12px; background: var(--tint); color: var(--teal); display: grid; place-items: center; flex: none; }
.doc-item .ic svg { width: 22px; height: 22px; }
.doc-item b { font-family: var(--font-head); color: var(--heading); display: block; }
.doc-item span { font-size: .85rem; color: var(--muted); }

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-list { max-width: 780px; margin-inline: auto; display: grid; gap: 12px; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.faq-item summary {
  list-style: none; cursor: pointer; padding: 18px 22px; font-family: var(--font-head); font-weight: 600;
  color: var(--heading); display: flex; justify-content: space-between; align-items: center; gap: 14px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .plus { flex: none; width: 26px; height: 26px; border-radius: 50%; background: var(--tint); color: var(--teal); display: grid; place-items: center; transition: transform .25s ease; }
.faq-item summary .plus svg { width: 14px; height: 14px; }
.faq-item[open] summary .plus { transform: rotate(45deg); background: var(--teal); color: #fff; }
.faq-item .faq-body { padding: 0 22px 20px; color: var(--muted); font-size: .94rem; }

/* ============================================================
   CHARTS GRID
   ============================================================ */
.charts-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
@media (max-width: 560px) { .charts-grid { grid-template-columns: 1fr; } }
.chart-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-sm); }
.chart-card h4 { font-family: var(--font-head); color: var(--heading); font-size: 1rem; margin-bottom: 4px; }
.chart-card .sub { color: var(--muted); font-size: .82rem; margin-bottom: 16px; }
.chart-card canvas { max-height: 260px; }

/* ============================================================
   SAVINGS FUNNEL / COMPARISON INFOGRAPHIC
   ============================================================ */
.compare-cols { display: grid; grid-template-columns: 1fr auto 1fr; gap: 24px; align-items: center; }
@media (max-width: 760px) { .compare-cols { grid-template-columns: 1fr; } .compare-cols .vs { display: none; } }
.compare-col { border-radius: var(--radius); padding: 26px; text-align: center; }
.compare-col.bad { background: #fff1ef; border: 1px solid #ffd8d1; }
.compare-col.good { background: var(--tint); border: 1px solid var(--line); }
.compare-col h4 { font-family: var(--font-head); margin-bottom: 16px; }
.compare-col.bad h4 { color: #c0392b; }
.compare-col.good h4 { color: var(--heading); }
.compare-step { padding: 10px 0; font-size: .92rem; }
.compare-step:not(:last-child) { border-bottom: 1px dashed rgba(0,0,0,.08); }
.compare-col.bad .compare-step { color: #9a3428; }
.compare-col.good .compare-step { color: var(--heading); }
.vs { width: 46px; height: 46px; border-radius: 50%; background: var(--forest); color: #fff; display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; font-size: .82rem; margin-inline: auto; }

/* ============================================================
   MARQUEE
   ============================================================ */
.marquee { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; gap: 18px; width: max-content; animation: marquee 26s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; } }

/* ============================================================
   DOWNLOAD CENTER
   ============================================================ */
.dl-card { display: flex; align-items: center; gap: 16px; }
.dl-card .ic { width: 52px; height: 52px; border-radius: 14px; background: var(--tint); color: var(--teal); display: grid; place-items: center; flex: none; }
.dl-card .ic svg { width: 26px; height: 26px; }
.dl-card h3 { font-size: 1.02rem; margin-bottom: 3px; }
.dl-card p { font-size: .84rem; margin-bottom: 12px; }
.dl-card .btn { padding: 9px 16px; font-size: .84rem; }

/* ============================================================
   CARD TILT
   ============================================================ */
.tilt { transform-style: preserve-3d; will-change: transform; }

/* ============================================================
   SKELETON LOADING
   ============================================================ */
.skeleton { background: linear-gradient(90deg, var(--line) 25%, var(--tint) 37%, var(--line) 63%); background-size: 400% 100%; animation: skeleton 1.4s ease infinite; border-radius: 8px; }
@keyframes skeleton { 0% { background-position: 100% 50%; } 100% { background-position: 0 50%; } }

/* ============================================================
   PAGE LOADER
   ============================================================ */
#page-loader {
  position: fixed; inset: 0; background: var(--forest); z-index: 9999; display: grid; place-items: center;
  transition: opacity .4s ease, visibility .4s ease;
}
#page-loader.hide { opacity: 0; visibility: hidden; }
#page-loader .spin { width: 44px; height: 44px; border-radius: 50%; border: 3px solid rgba(255,255,255,.2); border-top-color: #fff; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

h1, h2, h3, h4, h5 { font-family: var(--font-head); color: var(--heading); line-height: 1.15; font-weight: 700; }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.5rem); letter-spacing: -.015em; }
h3 { font-size: 1.25rem; }

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 22px; }

section { padding-block: clamp(56px, 8vw, 96px); }
.sec-tint  { background: var(--tint); }
.sec-soft  { background: var(--grad-soft); }
.sec-forest{ background: var(--forest); color: var(--white); }
.sec-forest h1, .sec-forest h2, .sec-forest h3 { color: var(--white); }

/* ---------- Eyebrow + section headers ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-weight: 600; font-size: .8rem;
  letter-spacing: .14em; text-transform: uppercase;
  color: var(--emerald); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--teal); border-radius: 2px; }
.sec-forest .eyebrow { color: #8af0db; }
.sec-forest .eyebrow::before { background: #8af0db; }

.sec-head { max-width: 640px; margin-bottom: 44px; }
.sec-head.center { margin-inline: auto; text-align: center; }
.sec-head p { color: var(--muted); font-size: 1.05rem; margin-top: 12px; }
.sec-forest .sec-head p { color: #cdeee7; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-head); font-weight: 600; font-size: .98rem;
  padding: 14px 26px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .18s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; }
.btn-primary { background: var(--teal); color: var(--white); box-shadow: 0 8px 22px rgba(29,201,164,.34); }
.btn-primary:hover { background: var(--emerald); transform: translateY(-2px); box-shadow: 0 12px 28px rgba(0,196,154,.42); }
.btn-ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-ghost:hover { background: var(--white); color: var(--forest); transform: translateY(-2px); }
.btn-outline { background: var(--white); color: var(--forest); border-color: var(--line); }
.btn-outline:hover { border-color: var(--teal); color: var(--teal); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.btn-sm { padding: 10px 18px; font-size: .9rem; }

/* ============================================================
   NAVBAR
   ============================================================ */
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 74px; }

.brand { display: flex; align-items: center; gap: 11px; }
.brand-mark { width: 46px; height: 46px; flex: none; object-fit: contain; display: block; }
.footer .brand-mark { width: 50px; height: 50px; }
.brand-text { font-family: var(--font-head); font-weight: 700; font-size: 1.18rem; color: var(--heading); line-height: 1.05; }
.brand-text small { display: block; font-size: .62rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: var(--emerald); }

.nav-links { display: flex; align-items: center; gap: 6px; }
.nav-links a {
  font-family: var(--font-head); font-weight: 500; font-size: .95rem; color: var(--ink);
  padding: 9px 14px; border-radius: 10px; transition: color .15s, background .15s;
}
.nav-links a:hover { color: var(--teal); background: var(--tint); }
.nav-links a.active { color: var(--heading); font-weight: 600; }
.nav-cta { margin-left: 8px; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--heading); margin: 5px 0; border-radius: 2px; transition: .3s; }

@media (max-width: 920px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 74px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 2px;
    background: var(--white); border-bottom: 1px solid var(--line);
    padding: 14px 22px 22px; box-shadow: var(--shadow);
    transform: translateY(-12px); opacity: 0; pointer-events: none; transition: .25s;
  }
  .nav-links.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav-links a { padding: 12px 14px; }
  .nav-cta { margin: 8px 0 0; }
  .nav-cta .btn { width: 100%; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero { background: var(--grad-hero); color: var(--white); position: relative; overflow: hidden; }
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px;
  width: 460px; height: 460px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,.16), transparent 70%);
}
.hero .wrap { position: relative; z-index: 2; display: grid; grid-template-columns: 1.05fr .95fr; gap: 50px; align-items: center; padding-block: clamp(56px, 8vw, 92px); }
.hero h1 { color: var(--white); }
.hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.28);
  padding: 7px 15px; border-radius: 999px; font-size: .82rem; font-weight: 600;
  font-family: var(--font-head); margin-bottom: 20px;
}
.hero-tag .dot { width: 8px; height: 8px; border-radius: 50%; background: #b9ffec; box-shadow: 0 0 0 4px rgba(185,255,236,.25); }
.hero p.lead { font-size: 1.12rem; color: #e9fffa; max-width: 520px; margin: 18px 0 30px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { display: flex; gap: 26px; margin-top: 34px; flex-wrap: wrap; }
.hero-trust div { font-size: .82rem; color: #d4fff4; display: flex; align-items: center; gap: 8px; }
.hero-trust svg { width: 18px; height: 18px; color: #b9ffec; }

@media (max-width: 880px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------- EMI calculator (hero widget + standalone) ---------- */
.calc-card {
  background: var(--white); color: var(--ink);
  border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow-lg);
}
.calc-card h3 { color: var(--heading); display: flex; align-items: center; gap: 10px; }
.calc-card h3 svg { width: 22px; height: 22px; color: var(--teal); }
.calc-field { margin-top: 20px; }
.calc-field .row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px; }
.calc-field label { font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--heading); }
.calc-field .val { font-family: var(--font-head); font-weight: 700; color: var(--teal); font-size: 1rem; }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 7px;
  border-radius: 999px; background: var(--line); outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--teal); border: 3px solid #fff; box-shadow: 0 2px 8px rgba(29,201,164,.5); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: var(--teal);
  border: 3px solid #fff; box-shadow: 0 2px 8px rgba(29,201,164,.5); cursor: pointer;
}
.calc-result {
  margin-top: 24px; background: var(--tint); border-radius: var(--radius);
  padding: 20px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
}
.calc-result .emi { grid-column: 1 / -1; text-align: center; padding-bottom: 14px; border-bottom: 1px dashed var(--line); }
.calc-result .emi span { display: block; font-size: .8rem; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: .08em; }
.calc-result .emi strong { font-family: var(--font-head); font-size: 2.1rem; color: var(--heading); }
.calc-result .cell span { display: block; font-size: .78rem; color: var(--muted); font-weight: 600; }
.calc-result .cell strong { font-family: var(--font-head); font-size: 1.15rem; color: var(--heading); }

/* ============================================================
   GENERIC CARD GRID
   ============================================================ */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--emerald); }

.icon-badge {
  width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center;
  background: var(--tint); color: var(--teal); margin-bottom: 18px;
}
.icon-badge svg { width: 28px; height: 28px; }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .96rem; }

/* service card extras */
.svc-card ul { margin: 16px 0 20px; }
.svc-card li { display: flex; gap: 9px; align-items: flex-start; font-size: .92rem; color: var(--ink); padding: 4px 0; }
.svc-card li svg { width: 17px; height: 17px; color: var(--emerald); flex: none; margin-top: 3px; }
.svc-card .btn { width: 100%; }
.svc-rate { display: inline-block; background: var(--tint); color: var(--heading); font-family: var(--font-head); font-weight: 600; font-size: .8rem; padding: 5px 12px; border-radius: 999px; margin-bottom: 14px; }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 700px) { .stats { grid-template-columns: repeat(2, 1fr); } }
.stat { text-align: center; padding: 10px; }
.stat strong { display: block; font-family: var(--font-head); font-size: clamp(2rem, 4vw, 2.8rem); color: var(--white); }
.stat span { color: #cdeee7; font-size: .92rem; font-weight: 500; }
.stat .plus { color: #8af0db; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px 28px; box-shadow: var(--shadow-sm); }
.step .num {
  counter-increment: step;
  font-family: var(--font-head); font-weight: 700; font-size: 1.1rem; color: var(--white);
  width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center;
  background: var(--grad-hero); margin-bottom: 18px;
}
.step .num::before { content: "0" counter(step); }
.step h3 { margin-bottom: 8px; }
.step p { color: var(--muted); font-size: .95rem; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.t-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); height: 100%; }
.stars { display: flex; gap: 3px; color: #f5b50a; margin-bottom: 14px; }
.stars svg { width: 18px; height: 18px; }
.t-card blockquote { font-size: 1rem; color: var(--ink); margin-bottom: 20px; }
.t-person { display: flex; align-items: center; gap: 12px; }
.avatar { width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; color: var(--white); flex: none; }
.t-person b { display: block; font-family: var(--font-head); color: var(--heading); font-size: .96rem; }
.t-person small { color: var(--muted); font-size: .82rem; }

/* carousel */
.carousel { position: relative; }
.carousel-track { display: flex; gap: 24px; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; padding-bottom: 10px; -ms-overflow-style: none; scrollbar-width: none; }
.carousel-track::-webkit-scrollbar { display: none; }
.carousel-track > * { scroll-snap-align: start; flex: 0 0 calc(33.333% - 16px); }
@media (max-width: 900px) { .carousel-track > * { flex: 0 0 calc(50% - 12px); } }
@media (max-width: 600px) { .carousel-track > * { flex: 0 0 88%; } }
.carousel-nav { display: flex; gap: 10px; justify-content: center; margin-top: 26px; }
.carousel-nav button {
  width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--line); background: var(--white);
  color: var(--heading); cursor: pointer; display: grid; place-items: center; transition: .18s;
}
.carousel-nav button:hover { background: var(--teal); color: #fff; border-color: var(--teal); }
.carousel-nav button svg { width: 20px; height: 20px; }

/* ============================================================
   PARTNER LOGOS STRIP
   ============================================================ */
.banks { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 18px; }
.bank-pill {
  display: flex; align-items: center; gap: 10px;
  background: var(--white); border: 1px solid var(--line); border-radius: 14px;
  padding: 14px 22px; box-shadow: var(--shadow-sm); transition: .2s;
}
.bank-pill:hover { border-color: var(--emerald); transform: translateY(-3px); }
.bank-pill .dot { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center; color: #fff; font-family: var(--font-head); font-weight: 700; font-size: .85rem; flex: none; }
.bank-pill span { font-family: var(--font-head); font-weight: 600; color: var(--heading); font-size: 1rem; }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner { background: var(--grad-hero); color: var(--white); border-radius: var(--radius-lg); padding: clamp(36px, 6vw, 64px); text-align: center; position: relative; overflow: hidden; }
.cta-banner::after { content: ""; position: absolute; left: -80px; bottom: -120px; width: 360px; height: 360px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,.14), transparent 70%); }
.cta-banner h2 { color: var(--white); position: relative; z-index: 2; }
.cta-banner p { color: #e6fffa; max-width: 560px; margin: 14px auto 28px; position: relative; z-index: 2; }
.cta-banner .hero-actions { justify-content: center; position: relative; z-index: 2; }

/* ============================================================
   TRUST BADGES
   ============================================================ */
.badges { display: flex; flex-wrap: wrap; gap: 16px; justify-content: center; }
.badge {
  display: flex; align-items: center; gap: 12px; background: var(--white);
  border: 1px solid var(--line); border-radius: 14px; padding: 16px 22px; box-shadow: var(--shadow-sm);
}
.badge svg { width: 30px; height: 30px; color: var(--teal); flex: none; }
.badge b { display: block; font-family: var(--font-head); color: var(--heading); font-size: .95rem; }
.badge small { color: var(--muted); font-size: .8rem; }

/* ============================================================
   TEAM
   ============================================================ */
.team-card { text-align: center; }
.team-photo { width: 110px; height: 110px; border-radius: 50%; margin: 0 auto 16px; display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; font-size: 2rem; color: #fff; }
.team-card h3 { margin-bottom: 2px; }
.team-card .role { color: var(--emerald); font-family: var(--font-head); font-weight: 600; font-size: .9rem; }
.team-card p { color: var(--muted); font-size: .9rem; margin-top: 10px; }

/* ============================================================
   BLOG
   ============================================================ */
.blog-card { overflow: hidden; padding: 0; }
.blog-thumb { height: 170px; display: grid; place-items: center; color: #fff; position: relative; }
.blog-thumb svg { width: 56px; height: 56px; opacity: .9; }
.blog-cat { position: absolute; top: 14px; left: 14px; background: var(--white); color: var(--heading); font-family: var(--font-head); font-weight: 600; font-size: .72rem; padding: 5px 12px; border-radius: 999px; }
.blog-body { padding: 24px; }
.blog-meta { font-size: .8rem; color: var(--muted); margin-bottom: 10px; }
.blog-body h3 { margin-bottom: 8px; font-size: 1.12rem; }
.blog-body p { color: var(--muted); font-size: .92rem; margin-bottom: 16px; }
.read-more { font-family: var(--font-head); font-weight: 600; color: var(--teal); font-size: .9rem; display: inline-flex; align-items: center; gap: 6px; }
.read-more svg { width: 16px; height: 16px; transition: transform .2s; }
.blog-card:hover .read-more svg { transform: translateX(4px); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; align-items: start; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
.field { margin-bottom: 18px; }
.field label { display: block; font-family: var(--font-head); font-weight: 600; font-size: .88rem; color: var(--heading); margin-bottom: 7px; }
.field input, .field textarea, .field select {
  width: 100%; padding: 13px 16px; border: 1px solid var(--line); border-radius: 12px;
  font-family: var(--font-body); font-size: .96rem; color: var(--ink); background: var(--white); transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field textarea:focus, .field select:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 4px rgba(29,201,164,.14); }
.field textarea { resize: vertical; min-height: 130px; }

.contact-info { display: grid; gap: 14px; }
.info-row { display: flex; gap: 14px; align-items: flex-start; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 18px; box-shadow: var(--shadow-sm); }
.info-row .ic { width: 44px; height: 44px; border-radius: 12px; background: var(--tint); color: var(--teal); display: grid; place-items: center; flex: none; }
.info-row .ic svg { width: 22px; height: 22px; }
.info-row b { font-family: var(--font-head); color: var(--heading); display: block; font-size: .95rem; }
.info-row span { color: var(--muted); font-size: .92rem; }
.info-row.wa { background: var(--whatsapp); border-color: var(--whatsapp); }
.info-row.wa .ic { background: rgba(255,255,255,.22); color: #fff; }
.info-row.wa b, .info-row.wa span { color: #fff; }

.map-embed { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow-sm); margin-top: 6px; }
.map-embed iframe { width: 100%; height: 320px; border: 0; display: block; }

.form-note { font-size: .82rem; color: var(--muted); margin-top: 6px; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { background: var(--forest); color: #cdeee7; padding-block: 56px 26px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 36px; }
@media (max-width: 820px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer .brand-text { color: #fff; }
.footer p { font-size: .92rem; color: #b6ddd6; margin-top: 14px; max-width: 300px; }
.footer h4 { color: #fff; font-size: 1rem; margin-bottom: 16px; }
.footer ul li { margin-bottom: 9px; }
.footer ul a { font-size: .92rem; color: #b6ddd6; transition: color .15s; }
.footer ul a:hover { color: var(--teal); }
.socials { display: flex; gap: 10px; margin-top: 14px; }
.socials a { width: 40px; height: 40px; border-radius: 11px; background: rgba(255,255,255,.08); display: grid; place-items: center; color: #fff; transition: .2s; }
.socials a:hover { background: var(--teal); transform: translateY(-3px); }
.socials svg { width: 19px; height: 19px; }
.footer-foot { border-top: 1px solid rgba(255,255,255,.12); margin-top: 36px; padding-top: 22px; display: flex; justify-content: space-between; gap: 14px; flex-wrap: wrap; font-size: .85rem; color: #9fcfc7; }
.footer-foot .disclaimer { max-width: 760px; }

.footer .map-embed { margin-top: 16px; border-color: rgba(255,255,255,.16); box-shadow: none; }
.footer .map-embed iframe { height: 150px; }
.footer .map-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 10px; font-size: .85rem; font-weight: 600; color: #b6ddd6; transition: color .15s; }
.footer .map-link svg { width: 14px; height: 14px; flex: none; }
.footer .map-link:hover { color: var(--teal); }

/* ============================================================
   FLOATING WHATSAPP
   ============================================================ */
.wa-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 200;
  width: 60px; height: 60px; border-radius: 50%; background: var(--whatsapp);
  display: grid; place-items: center; color: #fff; box-shadow: 0 10px 26px rgba(37,211,102,.45);
  transition: transform .2s ease;
}
.wa-float:hover { transform: scale(1.08); }
.wa-float svg { width: 32px; height: 32px; }
.wa-float::after {
  content: ""; position: absolute; inset: 0; border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(37,211,102,.5); animation: pulse 2.2s infinite;
}
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(37,211,102,.5); } 70% { box-shadow: 0 0 0 16px rgba(37,211,102,0); } 100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); } }

/* ============================================================
   PAGE HEADER (interior pages)
   ============================================================ */
.page-head { background: var(--grad-hero); color: #fff; text-align: center; padding-block: clamp(50px, 7vw, 84px); position: relative; overflow: hidden; }
.page-head::after { content: ""; position: absolute; right: -100px; top: -100px; width: 360px; height: 360px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,.14), transparent 70%); }
.page-head h1 { color: #fff; position: relative; z-index: 2; }
.page-head p { color: #e6fffa; max-width: 600px; margin: 14px auto 0; position: relative; z-index: 2; }
.crumbs { position: relative; z-index: 2; font-size: .85rem; color: #cdeee7; margin-bottom: 14px; font-family: var(--font-head); }
.crumbs a:hover { color: #fff; }

/* reveal on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .wa-float::after { animation: none; }
}

/* pie chart wrap (calculator page) */
.pie-wrap { display: flex; flex-direction: column; align-items: center; gap: 18px; }
.pie-legend { display: grid; gap: 10px; width: 100%; }
.pie-legend .lg { display: flex; align-items: center; gap: 10px; font-size: .9rem; }
.pie-legend .sw { width: 14px; height: 14px; border-radius: 4px; flex: none; }
.pie-legend b { font-family: var(--font-head); color: var(--heading); margin-left: auto; }
.calc-two { display: grid; grid-template-columns: 1.1fr .9fr; gap: 34px; align-items: center; }
@media (max-width: 820px) { .calc-two { grid-template-columns: 1fr; } }


/* ============================================================
   V2 ENHANCEMENTS — consolidated (replaces old patch blocks)
   ============================================================ */

/* ---------- 1. Floating pill navbar, white, on its own rounded shelf ---------- */
html, body { overflow-x: hidden; }

/* Full-width backdrop the pill visually "sits on" — same white, same shadow
   language, rounded only at the bottom — so the header reads as one
   continuous rounded component instead of a pill floating over a bare
   rectangular strip of page background. Fixed (not sticky) so it stays
   put behind the pill at all scroll positions; decorative only. */
.nav-shelf {
  position: fixed; top: 0; left: 0; right: 0; z-index: 90;
  height: 102px;
  background: rgba(255, 255, 255, .82);
  backdrop-filter: blur(16px) saturate(1.4);
  -webkit-backdrop-filter: blur(16px) saturate(1.4);
  border-radius: 0 0 36px 36px;
  box-shadow: 0 16px 34px rgba(27, 94, 94, .08);
  pointer-events: none;
}
[data-theme="dark"] .nav-shelf {
  background: rgba(15, 35, 35, .82);
  box-shadow: 0 16px 34px rgba(0, 0, 0, .35);
}

.nav {
  position: sticky; top: 12px; z-index: 100;
  width: min(96%, var(--maxw));
  margin: 14px auto;
  background: rgba(255, 255, 255, .88);
  backdrop-filter: blur(16px) saturate(1.4);
  -webkit-backdrop-filter: blur(16px) saturate(1.4);
  border: 1px solid rgba(27, 94, 94, .12);
  border-radius: 999px;
  box-shadow: 0 10px 30px rgba(27, 94, 94, .10);
  transition: box-shadow .25s ease, background .25s ease, border-color .25s ease;
}
.nav.scrolled {
  background: rgba(255, 255, 255, .97);
  border-color: rgba(29, 201, 164, .35);
  box-shadow: 0 14px 40px rgba(27, 94, 94, .16);
}
.nav-inner { padding-inline: 22px; }
[data-theme="dark"] .nav {
  background: rgba(15, 40, 40, .82);
  border-color: rgba(29, 201, 164, .22);
}
[data-theme="dark"] .nav.scrolled { background: rgba(15, 40, 40, .97); }

/* ---------- 2. Logo: white circular chip so it never disappears ---------- */
.brand-mark {
  background: #fff;
  border-radius: 50%;
  padding: 4px;
  box-shadow: 0 0 0 2px rgba(29, 201, 164, .28), 0 4px 12px rgba(27, 94, 94, .12);
}
.footer .brand-mark {
  background: #fff;
  border-radius: 50%;
  padding: 5px;
  box-shadow: 0 0 0 3px rgba(255, 255, 255, .18), 0 6px 18px rgba(0, 0, 0, .25);
}

/* ---------- 3. Custom circular cursor (desktop, fine pointers only) ---------- */
.cursor-dot, .cursor-ring {
  position: fixed; top: 0; left: 0; pointer-events: none; z-index: 9999;
  border-radius: 50%; transform: translate(-50%, -50%);
  display: none;
}
@media (pointer: fine) {
  .cursor-dot, .cursor-ring { display: block; }
  .cursor-dot {
    width: 8px; height: 8px; background: var(--teal);
    transition: transform .15s ease, opacity .2s ease;
  }
  .cursor-ring {
    width: 38px; height: 38px;
    border: 2px solid rgba(29, 201, 164, .55);
    transition: width .25s ease, height .25s ease, border-color .25s ease, background .25s ease;
  }
  body.cursor-hover .cursor-ring {
    width: 58px; height: 58px;
    border-color: rgba(27, 94, 94, .65);
    background: rgba(29, 201, 164, .10);
  }
  body.cursor-hover .cursor-dot { transform: translate(-50%, -50%) scale(.4); }
  body.cursor-down .cursor-ring { width: 30px; height: 30px; }
}
@media (prefers-reduced-motion: reduce) {
  .cursor-dot, .cursor-ring { display: none !important; }
}

/* ---------- 4. Contact: animated WhatsApp card (no flat green slab) ---------- */
.info-row.wa {
  position: relative; overflow: hidden;
  background: var(--white);
  border: 1px solid rgba(37, 211, 102, .45);
}
.info-row.wa::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(120deg, transparent 20%, rgba(37, 211, 102, .16) 50%, transparent 80%);
  transform: translateX(-110%);
  transition: transform .7s ease;
}
.info-row.wa:hover::before { transform: translateX(110%); }
.info-row.wa .ic {
  background: linear-gradient(135deg, #25D366, #128C7E);
  color: #fff; position: relative;
}
.info-row.wa .ic::after {
  content: ""; position: absolute; inset: 0; border-radius: 12px;
  box-shadow: 0 0 0 0 rgba(37, 211, 102, .5);
  animation: pulse 2.4s infinite;
}
.info-row.wa b { color: var(--heading); }
.info-row.wa span { color: var(--muted); }
.info-row.wa:hover { border-color: #25D366; transform: translateY(-3px); box-shadow: 0 12px 28px rgba(37, 211, 102, .22); }
.info-row { transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.info-row:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--teal); }

/* ---------- 5. Contact: "How it works" mini steps ---------- */
.how-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 40px; }
.how-strip .hs {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--surface, #fff); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow-sm);
}
.how-strip .hs-num {
  flex: none; width: 40px; height: 40px; border-radius: 50%;
  background: var(--grad-hero); color: #fff; display: grid; place-items: center;
  font-family: var(--font-head); font-weight: 700;
}
.how-strip b { font-family: var(--font-head); color: var(--heading); display: block; margin-bottom: 3px; }
.how-strip p { color: var(--muted); font-size: .88rem; }
@media (max-width: 820px) { .how-strip { grid-template-columns: 1fr; } }

/* ---------- 6. Blog article pop-up modal ---------- */
.article-modal {
  position: fixed; inset: 0; z-index: 500;
  display: grid; place-items: center; padding: 20px;
  background: rgba(15, 40, 40, .55); backdrop-filter: blur(6px);
  opacity: 0; pointer-events: none; transition: opacity .3s ease;
}
.article-modal.open { opacity: 1; pointer-events: auto; }
.article-modal .am-box {
  background: var(--surface, #fff); color: var(--ink);
  width: min(620px, 100%); max-height: 86vh; overflow: auto;
  border-radius: var(--radius-lg); padding: 34px;
  box-shadow: var(--shadow-lg);
  transform: scale(.86) translateY(24px); opacity: 0;
  transition: transform .35s cubic-bezier(.2, .9, .3, 1.2), opacity .3s ease;
}
.article-modal.open .am-box { transform: none; opacity: 1; }
.am-cat {
  display: inline-block; background: var(--tint); color: var(--forest);
  font-family: var(--font-head); font-weight: 600; font-size: .74rem;
  padding: 5px 13px; border-radius: 999px; margin-bottom: 12px;
}
[data-theme="dark"] .am-cat { color: var(--teal); }
.am-box h3 { color: var(--heading); font-size: 1.35rem; margin-bottom: 6px; }
.am-meta { font-size: .82rem; color: var(--muted); margin-bottom: 16px; }
.am-box .am-intro { color: var(--muted); margin-bottom: 16px; }
.am-points { list-style: none; display: grid; gap: 10px; margin-bottom: 22px; }
.am-points li { display: flex; gap: 10px; font-size: .94rem; color: var(--ink); }
.am-points li::before {
  content: "✓"; flex: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--tint); color: var(--forest); display: grid; place-items: center;
  font-size: .75rem; font-weight: 700;
}
.am-close {
  position: absolute; top: 16px; right: 16px;
  width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--line);
  background: var(--surface, #fff); color: var(--heading); cursor: pointer;
  display: grid; place-items: center; font-size: 1.1rem; transition: .2s;
}
.am-close:hover { background: var(--tint); border-color: var(--teal); transform: rotate(90deg); }
.article-modal .am-box { position: relative; }
.am-note { font-size: .8rem; color: var(--muted); margin-top: 14px; }

/* ---------- 7. About: founder story timeline ---------- */
.story-tl { position: relative; max-width: 760px; margin: 30px auto 0; padding-left: 34px; }
.story-tl::before {
  content: ""; position: absolute; left: 10px; top: 6px; bottom: 6px; width: 3px;
  background: linear-gradient(180deg, var(--teal), var(--forest));
  border-radius: 3px; transform-origin: top; transform: scaleY(0);
  transition: transform 1.4s ease;
}
.story-tl.in::before { transform: scaleY(1); }
.story-item { position: relative; padding: 0 0 34px 22px; opacity: 0; transform: translateX(28px); transition: opacity .6s ease, transform .6s ease; }
.story-tl.in .story-item { opacity: 1; transform: none; }
.story-tl.in .story-item:nth-child(2) { transition-delay: .25s; }
.story-tl.in .story-item:nth-child(3) { transition-delay: .5s; }
.story-tl.in .story-item:nth-child(4) { transition-delay: .75s; }
.story-tl.in .story-item:nth-child(5) { transition-delay: 1s; }
.story-item::before {
  content: ""; position: absolute; left: -34px; top: 4px;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--white); border: 4px solid var(--teal);
  box-shadow: 0 0 0 5px rgba(29, 201, 164, .18);
}
.story-item .sy {
  font-family: var(--font-head); font-weight: 700; color: var(--teal);
  font-size: .85rem; letter-spacing: .12em; text-transform: uppercase;
}
.story-item h3 { margin: 4px 0 6px; font-size: 1.15rem; }
.story-item p { color: var(--muted); font-size: .96rem; max-width: 620px; }
@media (prefers-reduced-motion: reduce) {
  .story-tl::before { transform: none; transition: none; }
  .story-item { opacity: 1; transform: none; transition: none; }
}

/* ---------- 8. Section title reveal (kept, scoped safely) ---------- */
.reveal .eyebrow, .reveal h2 {
  opacity: 0; transform: translateY(22px);
  transition: opacity .7s ease, transform .7s cubic-bezier(.2, .8, .2, 1);
}
.reveal h2 { transition-delay: .1s; }
.reveal.in .eyebrow, .reveal.in h2 { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal .eyebrow, .reveal h2 { opacity: 1; transform: none; transition: none; }
}

/* ---------- 9. MOBILE — one consolidated, conflict-free block ---------- */
@media (max-width: 920px) {
  .nav { top: 8px; width: 94%; margin: 10px auto; }
  .nav-inner { height: 64px; padding-inline: 16px; }
  .brand-mark { width: 40px; height: 40px; }
  .brand-text { font-size: 1.02rem; }

  .nav-toggle { display: flex; flex-direction: column; justify-content: center; gap: 6px; width: 44px; height: 44px; }
  .nav-toggle span { width: 26px; height: 3px; margin: 0 auto; transition: transform .3s ease, opacity .3s ease; }
  .nav-toggle.active span:nth-child(1) { transform: translateY(9px) rotate(45deg); }
  .nav-toggle.active span:nth-child(2) { opacity: 0; }
  .nav-toggle.active span:nth-child(3) { transform: translateY(-9px) rotate(-45deg); }

  .nav-links {
    position: absolute; top: calc(100% + 10px); left: 0; right: 0;
    display: flex; flex-direction: column; align-items: stretch; gap: 4px;
    background: var(--surface, #fff);
    border: 1px solid var(--line); border-radius: 22px;
    padding: 18px; box-shadow: var(--shadow-lg); z-index: 400;
    clip-path: circle(0% at calc(100% - 30px) 0);
    visibility: hidden;
    transition: clip-path .55s cubic-bezier(.4, 0, .2, 1), visibility 0s .55s;
  }
  .nav-links.open {
    visibility: visible;
    clip-path: circle(150% at calc(100% - 30px) 0);
    transition: clip-path .55s cubic-bezier(.4, 0, .2, 1), visibility 0s;
  }
  .nav-links a { padding: 13px 16px; border-radius: 12px; }
  .nav-cta { margin: 10px 0 0; }
  .nav-cta .btn { width: 100%; justify-content: center; }
}

@media (max-width: 768px) {
  .wrap { padding-inline: 18px; }
  h1 { font-size: clamp(1.7rem, 7.4vw, 2.3rem); line-height: 1.22; }
  h2 { font-size: clamp(1.4rem, 5.6vw, 1.8rem); }
  section { padding-block: 54px; }

  .hero .wrap { grid-template-columns: 1fr; gap: 32px; padding-block: 48px; }
  .hero p.lead { font-size: 1.02rem; }
  .hero-actions { flex-direction: column; width: 100%; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-trust { gap: 12px; }
  .float-icons span { display: none; }

  .grid-2, .grid-3, .grid-4, .elig-grid, .calc-two, .charts-grid, .contact-grid { grid-template-columns: 1fr; }
  .card { padding: 22px; }
  .calc-card { padding: 22px; }

  .timeline { grid-template-columns: 1fr; gap: 18px; }
  .timeline::before { display: none; }
  .tl-step { text-align: center; }
  .compare-cols { grid-template-columns: 1fr; gap: 26px; }
  .compare-cols .vs { margin: -8px auto; position: relative; z-index: 2; }

  .stats { grid-template-columns: 1fr 1fr; gap: 20px; }
  .partner-strip { flex-wrap: wrap; justify-content: center; }

  .footer-grid { grid-template-columns: 1fr; gap: 26px; }
  .footer-foot { flex-direction: column; text-align: left; }

  .wa-float { width: 52px; height: 52px; right: 16px; bottom: 16px; }
  .wa-float svg { width: 27px; height: 27px; }
  .back-top { right: 16px; bottom: 78px; }

  .map-embed iframe { height: 240px; }
  .article-modal .am-box { padding: 26px 22px; }
  .story-tl { padding-left: 28px; }
  .story-item::before { left: -28px; width: 18px; height: 18px; }
}

@media (max-width: 420px) {
  .stats { grid-template-columns: 1fr; }
  .brand-text small { display: none; }
}

/* ============================================================
   10. LAUNCH INTRO — cinematic first-load overlay
   ============================================================ */
/* Scoped to html.intro-lock (set only by the inline script on index.html,
   and only when JS runs) so every other page — and index.html with JS
   disabled — renders normally with no hidden content. */
body > *:not(#intro) { transition: opacity .9s ease; }
html.intro-lock body > *:not(#intro) { opacity: 0; }
html.no-intro #intro { display: none; }
html.intro-lock, html.intro-lock body { overflow: hidden; height: 100%; }

.intro {
  --intro-deep: #0d2e2e;
  position: fixed; inset: 0; z-index: 9990;
  display: grid; place-items: center; text-align: center;
  overflow-y: auto; overflow-x: hidden;
  background:
    radial-gradient(1200px 800px at 70% -10%, rgba(29,201,164,.28), transparent 60%),
    radial-gradient(900px 700px at 10% 110%, rgba(0,196,154,.18), transparent 60%),
    linear-gradient(160deg, #123f3f 0%, var(--forest) 45%, var(--intro-deep) 100%);
  color: #eafdf9;
  transition: opacity .7s ease, visibility .7s ease;
}
.intro.intro-out { opacity: 0; visibility: hidden; pointer-events: none; }

.intro-orb { position: absolute; border-radius: 50%; filter: blur(60px); opacity: .35; animation: intro-drift 14s ease-in-out infinite alternate; }
.intro-orb.a { width: 380px; height: 380px; background: var(--teal); top: -120px; right: -80px; }
.intro-orb.b { width: 320px; height: 320px; background: var(--emerald); bottom: -110px; left: -70px; animation-delay: -7s; }
@keyframes intro-drift { from { transform: translate(0,0) scale(1); } to { transform: translate(30px, 24px) scale(1.12); } }

#intro-fx { position: absolute; inset: 0; width: 100%; height: 100%; z-index: 1; pointer-events: none; }

.intro-stage { position: relative; z-index: 2; padding: 30px 22px; max-width: 720px; }

.intro-logo {
  width: 112px; height: 112px; margin: 0 auto 24px; border-radius: 50%; background: #fff; padding: 12px;
  display: grid; place-items: center;
  box-shadow: 0 0 0 6px rgba(255,255,255,.12), 0 0 60px rgba(29,201,164,.55), 0 18px 50px rgba(0,0,0,.4);
  animation: intro-breathe 3s ease-in-out infinite;
}
.intro-logo img { width: 100%; height: 100%; object-fit: contain; }
@keyframes intro-breathe { 0%,100% { transform: scale(1); } 50% { transform: scale(1.05); } }

.intro-eyebrow {
  font-family: var(--font-head); font-weight: 600; font-size: .8rem;
  letter-spacing: .3em; text-transform: uppercase; color: #8af0db; margin-bottom: 14px;
}
.intro-h1 { font-family: var(--font-head); font-weight: 800; font-size: clamp(1.9rem, 6vw, 3.2rem); line-height: 1.15; color: #fff; }
.intro-h1 span { background: linear-gradient(90deg, #8af0db, var(--teal)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.intro-sub { color: #bfe9e0; max-width: 480px; margin: 16px auto 34px; font-size: 1.02rem; }

.intro-launch {
  position: relative; border: none; cursor: pointer;
  font-family: var(--font-head); font-weight: 700; font-size: 1.08rem;
  color: var(--intro-deep); padding: 18px 44px; border-radius: 999px;
  background: linear-gradient(135deg, #9dfce8, var(--teal) 55%, var(--emerald));
  box-shadow: 0 0 0 0 rgba(29,201,164,.5), 0 18px 44px rgba(0,0,0,.45);
  transition: transform .25s ease, box-shadow .25s ease;
  animation: intro-pulse 2.4s infinite;
}
.intro-launch:hover { transform: translateY(-4px) scale(1.03); }
.intro-launch:active { transform: scale(.97); }
@keyframes intro-pulse {
  0% { box-shadow: 0 0 0 0 rgba(29,201,164,.5), 0 18px 44px rgba(0,0,0,.45); }
  70% { box-shadow: 0 0 0 22px rgba(29,201,164,0), 0 18px 44px rgba(0,0,0,.45); }
  100% { box-shadow: 0 0 0 0 rgba(29,201,164,0), 0 18px 44px rgba(0,0,0,.45); }
}

.intro-skip {
  display: block; margin: 18px auto 0; background: none; border: none; cursor: pointer;
  font-family: var(--font-body); font-size: .82rem; color: #9fd8cd; text-decoration: underline;
  text-underline-offset: 3px; padding: 6px;
}
.intro-skip:hover { color: #fff; }

.intro-count {
  display: none; font-family: var(--font-head); font-weight: 800;
  font-size: clamp(4rem, 16vw, 7.5rem); color: #fff;
  text-shadow: 0 0 60px rgba(29,201,164,.8);
}
.intro-count.show { display: block; animation: intro-pop .9s ease both; }
@keyframes intro-pop { 0% { transform: scale(.3); opacity: 0; } 55% { transform: scale(1.15); opacity: 1; } 100% { transform: scale(1); } }

.intro-final { display: none; }
.intro-final.show { display: block; animation: intro-rise .8s ease both; }
@keyframes intro-rise { from { transform: translateY(24px); opacity: 0; } to { transform: none; opacity: 1; } }
.intro-final h2 { font-family: var(--font-head); font-size: clamp(1.5rem, 5vw, 2.4rem); color: #fff; margin-bottom: 10px; }
.intro-final p { color: #bfe9e0; }

@media (prefers-reduced-motion: reduce) {
  .intro-orb, .intro-logo, .intro-launch { animation: none; }
  body > *:not(#intro) { transition: none; }
}
@media (max-width: 480px) {
  .intro-launch { padding: 16px 34px; font-size: 1rem; }
  .intro-logo { width: 92px; height: 92px; }
  .intro-sub { font-size: .94rem; margin: 14px auto 28px; }
}