/* ==========================================================================
   ARTHAGRID FINANCIAL SERVICES - Midnight Navy & Crimson Red Design System
   Palette: #08234A (Navy), #b90102 (Crimson Red), Classy Light Grey Canvas
   Aesthetic: Quiet Luxury, Executive Private Wealth & Institutional Clarity
   ========================================================================== */

:root {
  /* Classy Architectural Light Backgrounds */
  --bg-page: #F5F7FA;
  /* Refined architectural luxury light grey */
  --bg-page-alt: #EBF0F5;
  /* Crisp tonal grey for alternating sections */
  --bg-card: #FFFFFF;
  /* Pure crisp white card surface */
  --bg-card-hover: #FFFFFF;
  --bg-surface: #E2E7EE;
  --bg-input: #FFFFFF;

  /* Midnight Navy Blue (#08234A) */
  --brand-navy: #08234A;
  /* Exact rich deep navy requested */
  --brand-navy-light: #0F356B;
  /* Rich navy hover tone */
  --brand-navy-subtle: #194682;
  --brand-navy-tint: rgba(8, 35, 74, 0.05);
  --brand-slate: #334155;
  --brand-blue: #154585;
  --brand-blue-subtle: rgba(8, 35, 74, 0.07);

  /* Prestige Crimson Red (#b90102) Signature Accent */
  --brand-red: #b90102;
  /* Exact signature crimson red requested */
  --brand-red-dark: #910102;
  /* Deeper red for active/hover */
  --brand-red-light: #D91A1C;
  /* Vibrant red highlight */
  --brand-red-muted: #A30102;
  --brand-red-subtle: rgba(185, 1, 2, 0.08);
  --brand-red-border: rgba(185, 1, 2, 0.28);
  --brand-red-glow: rgba(185, 1, 2, 0.18);

  /* Backward Compatibility Mappings for Existing Utility Names */
  --brand-gold: #b90102;
  --brand-gold-dark: #910102;
  --brand-gold-light: #D91A1C;
  --brand-gold-muted: #A30102;
  --brand-gold-subtle: rgba(185, 1, 2, 0.08);
  --brand-gold-border: rgba(185, 1, 2, 0.28);

  /* High-Contrast Editorial Typography */
  --text-primary: #0F172A;
  /* Deep slate for high-contrast, effortless reading */
  --text-secondary: #475569;
  /* Elegant neutral grey body */
  --text-muted: #64748B;
  /* Captions and labels */
  --text-navy: #08234A;
  --text-red: #b90102;
  --text-gold: #b90102;

  /* Crisp Borders & Clean Executive Shadows */
  --border-light: #E2E8F0;
  --border-card: #E5E9F0;
  --border-card-hover: #b90102;
  --border-subtle: #CBD5E1;
  --shadow-xs: 0 1px 3px rgba(8, 35, 74, 0.04);
  --shadow-card: 0 4px 18px rgba(8, 35, 74, 0.06);
  --shadow-card-hover: 0 14px 34px rgba(8, 35, 74, 0.11);
  --shadow-red: 0 4px 18px rgba(185, 1, 2, 0.28);
  --shadow-gold: 0 4px 18px rgba(185, 1, 2, 0.28);

  /* Fonts - Montserrat for the whole website */
  --font-main: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-display: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Refined Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-full: 9999px;

  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

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

/* Subtle, Classy Texture (No messy neon blobs) */
.bg-texture-wrap {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  pointer-events: none;
  z-index: 0;
  background-image:
    radial-gradient(rgba(8, 35, 74, 0.035) 1px, transparent 1px);
  background-size: 24px 24px;
  opacity: 0.7;
}

/* Typography */
h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: var(--font-display);
  color: var(--brand-navy);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -0.015em;
}

h1 {
  font-size: clamp(2.3rem, 4.2vw, 3.6rem);
}

h2 {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
}

h3 {
  font-size: clamp(1.25rem, 1.8vw, 1.6rem);
}

h4 {
  font-size: 1.15rem;
}

p {
  color: var(--text-secondary);
  font-size: 1.02rem;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

ul {
  list-style: none;
}

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

/* Container */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

/* Classy Gold & Navy Badges */
.badge-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  background: var(--brand-gold-subtle);
  border: 1px solid var(--brand-gold-border);
  color: var(--brand-gold-dark);
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.badge-tag i {
  color: var(--brand-gold);
}

.text-gold-accent {
  color: var(--brand-gold-dark);
  font-weight: 800;
}

/* Section Header */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 48px auto;
}

.section-header .section-subtitle {
  color: var(--text-secondary);
  font-size: 1.1rem;
  margin-top: 12px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  font-family: var(--font-main);
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 1px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--brand-navy);
  color: #FFFFFF;
  box-shadow: 0 2px 8px rgba(8, 35, 74, 0.2);
}

.btn-primary:hover {
  background: var(--brand-navy-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(8, 35, 74, 0.28);
  color: #FFFFFF;
}

.btn-gold,
.btn-red {
  background: var(--brand-red);
  color: #FFFFFF;
  font-weight: 700;
  box-shadow: var(--shadow-red);
}

.btn-gold:hover,
.btn-red:hover {
  background: var(--brand-red-dark);
  color: #FFFFFF;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(185, 1, 2, 0.32);
}

.btn-secondary {
  background: #FFFFFF;
  color: var(--brand-navy);
  border: 1px solid var(--border-subtle);
  box-shadow: var(--shadow-xs);
}

.btn-secondary:hover {
  background: var(--bg-page);
  border-color: var(--brand-navy);
  transform: translateY(-1px);
}

.btn-outline-gold,
.btn-outline-red {
  background: transparent;
  color: var(--brand-red);
  border: 1.5px solid var(--brand-red);
}

.btn-outline-gold:hover,
.btn-outline-red:hover {
  background: var(--brand-red);
  color: #FFFFFF;
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.88rem;
}

/* ==========================================================================
   Top Announcement Bar (Classy Slate Navy)
   ========================================================================== */
.top-bar {
  background: var(--brand-navy);
  color: #E2E8F0;
  padding: 6px 0;
  font-size: 0.81rem;
  border-bottom: 1px solid rgba(185, 1, 2, 0.35);
  position: relative;
  z-index: 101;
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.top-bar-left,
.top-bar-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.top-bar-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #F1F5F9;
  font-weight: 500;
}

.top-bar-link:hover {
  color: #FFA5A5;
}

.top-bar-highlight {
  color: #B90102;
  font-weight: 700;
}

/* ==========================================================================
   Header & Sticky Navigation (Clean Pure White with Crisp Border)
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  box-shadow: 0 2px 10px rgba(8, 35, 74, 0.04);
  transition: var(--transition);
}

.site-header.scrolled {
  box-shadow: 0 4px 18px rgba(8, 35, 74, 0.08);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}

/* Logo (Borderless, Prominent & Big) */
.brand-logo-wrap {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  background: transparent;
}

.brand-logo-img {
  height: 72px;
  max-height: 75px;
  width: auto;
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
  border-radius: 0 !important;
  background: transparent !important;
  object-fit: contain;
  transition: transform 0.2s ease;
}

.brand-logo-wrap:hover .brand-logo-img {
  transform: scale(1.03);
  border: none !important;
  box-shadow: none !important;
}

/* Footer Logo (Crisp Badge on Reddish Canvas) */
.footer-logo-wrap {
  margin-bottom: 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #FFFFFF;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(185, 1, 2, 0.35);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25);
  transition: transform 0.2s ease;
}

.footer-logo-wrap:hover {
  transform: translateY(-2px);
}

.footer-logo-img {
  height: 54px;
  max-height: 58px;
  width: auto;
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
  border-radius: 0 !important;
  background: transparent !important;
  object-fit: contain;
}

/* Navigation Links */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 26px;
}

.nav-item {
  position: relative;
}

.nav-link {
  font-size: 0.94rem;
  font-weight: 600;
  color: var(--brand-slate);
  padding: 8px 0;
  display: flex;
  align-items: center;
  gap: 5px;
}

.nav-link:hover,
.nav-link.active {
  color: var(--brand-navy);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--brand-gold);
  transition: var(--transition);
  border-radius: 2px;
}

.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: 100%;
  left: -20px;
  min-width: 250px;
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 10px;
  box-shadow: var(--shadow-card-hover);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 4px;
}

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

.dropdown-item {
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--text-primary);
  font-weight: 500;
}

.dropdown-item i {
  color: var(--brand-gold-dark);
  width: 18px;
  text-align: center;
}

.dropdown-item:hover {
  background: var(--bg-page);
  color: var(--brand-navy);
  transform: translateX(3px);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.mobile-toggle {
  display: none;
  background: transparent;
  border: none;
  color: var(--brand-navy);
  font-size: 1.5rem;
  cursor: pointer;
}

/* ==========================================================================
   Hero Section (Classy Grey & Pure White Harmony)
   ========================================================================== */
.hero-section {
  position: relative;
  padding: 28px 0 38px 0;
  background: linear-gradient(180deg,
      rgba(185, 1, 2, 0.08) 0%,
      rgba(185, 1, 2, 0.035) 30%,
      rgba(245, 247, 250, 0.75) 70%,
      var(--bg-page) 100%);
  border-bottom: 1px solid rgba(185, 1, 2, 0.1);
  overflow: hidden;
}

.hero-section::before {
  content: '';
  position: absolute;
  top: -60px;
  right: 8%;
  width: 460px;
  height: 400px;
  background: radial-gradient(circle, rgba(185, 1, 2, 0.09) 0%, rgba(8, 35, 74, 0.02) 65%, transparent 80%);
  filter: blur(50px);
  pointer-events: none;
  z-index: 0;
}

.hero-section::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, rgba(185, 1, 2, 0.45) 50%, transparent 100%);
  z-index: 1;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: center;
  gap: 36px;
  position: relative;
  z-index: 2;
}

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

.hero-title {
  margin: 10px 0 12px 0;
  color: var(--brand-navy);
  font-weight: 800;
  font-size: clamp(2rem, 3.4vw, 2.9rem);
}

.hero-description {
  font-size: 1.04rem;
  line-height: 1.55;
  margin-bottom: 20px;
  color: var(--text-secondary);
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 22px;
}

/* Hero Stats Bar (Crisp White Card on Grey) */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  padding: 12px 16px;
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
}

.hero-stat-item {
  display: flex;
  flex-direction: column;
  padding-right: 8px;
}

.hero-stat-item:not(:last-child) {
  border-right: 1px solid var(--border-light);
}

.stat-number {
  font-size: 1.45rem;
  font-weight: 800;
  font-family: var(--font-display);
  color: var(--brand-navy);
  line-height: 1.1;
}

.stat-label {
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 2px;
}

/* Hero Visual Box (Right-aligned, seamless background-less 3D visual) */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  z-index: 2;
}

.hero-image-wrap {
  position: relative;
  width: 100%;
  max-width: 520px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-banner-img {
  width: 100%;
  height: auto;
  max-height: 440px;
  object-fit: contain;
  display: block;
  border-radius: var(--radius-lg);
  box-shadow: 0 16px 40px rgba(8, 35, 74, 0.08), 0 4px 16px rgba(185, 1, 2, 0.07);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.4s ease;
}

.hero-image-wrap:hover .hero-banner-img {
  transform: translateY(-4px) scale(1.015);
  box-shadow: 0 22px 48px rgba(8, 35, 74, 0.12), 0 8px 24px rgba(185, 1, 2, 0.12);
}

.hero-image-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 12px 32px rgba(8, 35, 74, 0.14);
  border: 1px solid var(--border-light);
}

.hero-image-card img {
  width: 100%;
  height: auto;
  max-height: 460px;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.hero-image-card:hover img {
  transform: scale(1.02);
}

/* Floating White/Gold Badges */
.floating-badge {
  position: absolute;
  background: #FFFFFF;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-md);
  padding: 12px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 8px 24px rgba(8, 35, 74, 0.12);
  z-index: 3;
}

.floating-badge-1 {
  bottom: 20px;
  left: -20px;
}

.floating-badge-2 {
  top: 20px;
  right: -20px;
}

.badge-icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background: var(--brand-gold-subtle);
  border: 1px solid var(--brand-gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand-gold-dark);
  font-size: 1.15rem;
  flex-shrink: 0;
}

.badge-text-title {
  font-size: 0.78rem;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 600;
}

.badge-text-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--brand-navy);
}

/* ==========================================================================
   Bank Marquee Section (Soft Grey Surface)
   ========================================================================== */
.partners-section {
  padding: 30px 0;
  background: #FFFFFF;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  overflow: hidden;
}

.partners-label {
  text-align: center;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  color: var(--brand-slate);
  margin-bottom: 18px;
}

.marquee-track {
  display: flex;
  align-items: center;
  gap: 20px;
  width: max-content;
  animation: scrollMarquee 35s linear infinite;
}

.marquee-track:hover {
  animation-play-state: paused;
}

.partner-pill {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 18px;
  background: var(--bg-page);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  color: var(--brand-navy);
  font-weight: 600;
  font-size: 0.92rem;
  white-space: nowrap;
  transition: var(--transition);
}

.partner-pill i {
  color: var(--brand-gold-dark);
}

.partner-pill:hover {
  border-color: var(--brand-gold);
  background: #FFFFFF;
  box-shadow: var(--shadow-xs);
}

@keyframes scrollMarquee {
  0% {
    transform: translateX(0);
  }

  100% {
    transform: translateX(-50%);
  }
}

/* ==========================================================================
   Services Section (Crisp White Cards on Grey Background)
   ========================================================================== */
.services-section {
  padding: 85px 0;
  background: var(--bg-page);
}

.services-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
}

.service-card {
  background: #FFFFFF;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-card);
  position: relative;
  flex: 0 0 calc((100% - 48px) / 3);
  max-width: calc((100% - 48px) / 3);
  width: 100%;
  box-sizing: border-box;
}

@media (max-width: 992px) {
  .service-card {
    flex: 0 0 calc((100% - 24px) / 2);
    max-width: calc((100% - 24px) / 2);
  }
}

@media (max-width: 640px) {
  .service-card {
    flex: 0 0 100%;
    max-width: 100%;
  }
}

.service-card:hover {
  transform: translateY(-4px);
  border-color: var(--brand-gold);
  box-shadow: var(--shadow-card-hover);
}

.service-icon-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  background: var(--bg-page);
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--brand-navy);
  margin-bottom: 18px;
  transition: var(--transition);
}

.service-card:hover .service-icon-box {
  background: var(--brand-navy);
  color: #FFFFFF;
  border-color: var(--brand-navy);
}

.service-card-title {
  font-size: 1.3rem;
  color: var(--brand-navy);
  margin-bottom: 10px;
}

.service-card-desc {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.55;
  margin-bottom: 18px;
}

.service-features-list {
  margin-bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.service-feature-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--text-primary);
}

.service-feature-item i {
  color: var(--brand-gold-dark);
  font-size: 0.82rem;
}

.service-rate-badge {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  background: var(--bg-page);
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-light);
  margin-bottom: 18px;
}

.rate-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--text-muted);
}

.rate-val {
  font-size: 1rem;
  font-weight: 800;
  color: var(--brand-navy);
}

.service-card-footer {
  margin-top: auto;
}

.service-card-footer .btn {
  width: 100%;
}

/* ==========================================================================
   Interactive EMI Calculator (Classy White Architecture)
   ========================================================================== */
.calculator-section {
  padding: 85px 0;
  background: #FFFFFF;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.calc-container {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 36px;
  background: var(--bg-page);
  border: 1px solid var(--border-card);
  border-radius: var(--radius-lg);
  padding: 38px;
  box-shadow: var(--shadow-card);
}

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

/* Category Tabs */
.loan-calc-tabs {
  display: flex;
  gap: 8px;
  background: #FFFFFF;
  padding: 5px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  width: fit-content;
  flex-wrap: wrap;
}

.calc-tab-btn {
  background: transparent;
  border: none;
  color: var(--text-secondary);
  padding: 7px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.calc-tab-btn.active,
.calc-tab-btn:hover {
  background: var(--brand-navy);
  color: #FFFFFF;
}

.calc-group-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.calc-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--brand-navy);
}

.calc-value-badge {
  background: #FFFFFF;
  border: 1px solid var(--brand-gold-border);
  color: var(--brand-navy);
  font-weight: 800;
  font-size: 1.05rem;
  padding: 4px 12px;
  border-radius: var(--radius-sm);
  font-family: var(--font-display);
}

/* Sliders */
.calc-slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 3px;
  background: #CBD5E1;
  outline: none;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--brand-gold);
  cursor: pointer;
  border: 3px solid #FFFFFF;
  box-shadow: 0 1px 6px rgba(8, 35, 74, 0.25);
  transition: transform 0.15s ease;
}

.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--brand-gold-dark);
}

.calc-slider-scale {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 5px;
}

/* Output Card (Pure White with Gold Accents) */
.calc-output-card {
  background: #FFFFFF;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-card);
  text-align: center;
}

.emi-result-label {
  font-size: 0.82rem;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--text-muted);
}

.emi-result-amount {
  font-size: 2.3rem;
  font-weight: 800;
  font-family: var(--font-display);
  color: var(--brand-navy);
  margin: 4px 0;
}

.calc-breakdown-chart {
  position: relative;
  width: 150px;
  height: 150px;
  margin: 0 auto 20px auto;
}

.chart-center-text {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}

.chart-center-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--brand-navy);
}

.chart-center-lbl {
  font-size: 0.68rem;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 600;
}

.calc-stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 22px;
  text-align: left;
}

.calc-stat-box {
  background: var(--bg-page);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 10px 12px;
}

.calc-stat-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 5px;
}

.calc-stat-val {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--brand-navy);
  margin-top: 3px;
}

.dot-principal {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--brand-navy);
  display: inline-block;
}

.dot-interest {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--brand-gold);
  display: inline-block;
}

/* ==========================================================================
   About Section & Pillars
   ========================================================================== */
.about-section {
  padding: 90px 0;
  background: var(--bg-page);
}

.about-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 50px;
  align-items: center;
}

.about-visual-wrap {
  position: relative;
}

.about-img-box {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-card-hover);
  background: #FFFFFF;
}

.about-img-box img {
  width: 100%;
  height: 480px;
  object-fit: cover;
}

.about-experience-card {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--brand-navy);
  color: #FFFFFF;
  border-radius: var(--radius-md);
  padding: 20px 24px;
  box-shadow: var(--shadow-card-hover);
  display: flex;
  align-items: center;
  gap: 14px;
}

.exp-num {
  font-size: 2.6rem;
  font-weight: 800;
  color: #b90102;
  font-family: var(--font-display);
  line-height: 1;
}

.exp-desc {
  font-size: 0.85rem;
  font-weight: 600;
  color: #F8FAFC;
  line-height: 1.3;
}

.about-pillars {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 28px 0;
}

.pillar-card {
  background: #FFFFFF;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-sm);
  padding: 18px;
  transition: var(--transition);
}

.pillar-card:hover {
  border-color: var(--brand-gold);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xs);
}

.pillar-icon {
  font-size: 1.3rem;
  color: var(--brand-gold-dark);
  margin-bottom: 8px;
}

.pillar-title {
  font-size: 1.02rem;
  color: var(--brand-navy);
  margin-bottom: 4px;
}

.pillar-desc {
  font-size: 0.86rem;
  color: var(--text-secondary);
}

/* ==========================================================================
   Process (How It Works)
   ========================================================================== */
.process-section {
  padding: 85px 0;
  background: #FFFFFF;
  border-top: 1px solid var(--border-light);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.step-card {
  background: var(--bg-page);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 30px 20px;
  text-align: center;
  transition: var(--transition);
}

.step-card:hover {
  transform: translateY(-4px);
  background: #FFFFFF;
  border-color: var(--brand-gold);
  box-shadow: var(--shadow-card);
}

.step-number-badge {
  width: 52px;
  height: 52px;
  margin: 0 auto 18px auto;
  border-radius: 50%;
  background: #FFFFFF;
  border: 2px solid var(--brand-gold);
  color: var(--brand-navy);
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.step-card:hover .step-number-badge {
  background: var(--brand-navy);
  color: #FFFFFF;
  border-color: var(--brand-navy);
}

.step-title {
  font-size: 1.1rem;
  color: var(--brand-navy);
  margin-bottom: 8px;
}

.step-desc {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* ==========================================================================
   Reviews / Testimonials
   ========================================================================== */
.testimonials-section {
  padding: 85px 0;
  background: var(--bg-page);
  border-top: 1px solid var(--border-light);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.testimonial-card {
  background: #FFFFFF;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-card);
  transition: var(--transition);
  height: 100%;
}

.testimonial-card:hover {
  border-color: var(--brand-gold);
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-4px);
}

.quote-icon {
  font-size: 1.5rem;
  color: var(--brand-gold);
  opacity: 0.45;
  margin-bottom: 10px;
}

.testimonial-text {
  font-size: 0.88rem;
  line-height: 1.6;
  color: var(--text-secondary);
  margin-bottom: 18px;
  font-style: italic;
}

.testimonial-author-block {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--border-light);
  padding-top: 14px;
}

.author-avatar {
  width: 40px;
  height: 40px;
  min-width: 40px;
  border-radius: 50%;
  background: var(--brand-navy);
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.92rem;
  flex-shrink: 0;
}

.author-name {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--brand-navy);
  line-height: 1.25;
}

.author-role {
  font-size: 0.76rem;
  color: var(--brand-gold-dark);
  font-weight: 600;
  line-height: 1.25;
  margin-top: 2px;
}

.rating-stars {
  color: #F59E0B;
  font-size: 0.78rem;
  margin-top: 3px;
}

/* ==========================================================================
   Contact & Application Section
   ========================================================================== */
.contact-section {
  padding: 85px 0;
  background: #FFFFFF;
  border-top: 1px solid var(--border-light);
}

.contact-container {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 40px;
  background: var(--bg-page);
  border: 1px solid var(--border-card);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-card);
  width: 100%;
  box-sizing: border-box;
}

.contact-info-panel {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  width: 100%;
  box-sizing: border-box;
}

.contact-methods {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin: 26px 0;
  width: 100%;
  box-sizing: border-box;
}

.contact-method-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  width: 100%;
  box-sizing: border-box;
}

.contact-method-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand-navy);
  font-size: 1.15rem;
  flex-shrink: 0;
  box-shadow: var(--shadow-xs);
}

.contact-method-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--text-muted);
}

.contact-method-val {
  font-size: 1rem;
  font-weight: 700;
  color: var(--brand-navy);
  margin-top: 2px;
  word-break: break-word;
  overflow-wrap: break-word;
}

/* Contact Form Panel */
.contact-form-panel {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  box-shadow: var(--shadow-xs);
  width: 100%;
  box-sizing: border-box;
}

/* Form */
.apply-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
  width: 100%;
  box-sizing: border-box;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  width: 100%;
  box-sizing: border-box;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  width: 100%;
  box-sizing: border-box;
}

.form-label {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--brand-navy);
}

.form-control {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  color: var(--text-primary);
  font-family: var(--font-main);
  font-size: 0.94rem;
  outline: none;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
  transition: var(--transition);
}

.form-control:focus {
  border-color: var(--brand-gold);
  box-shadow: 0 0 0 3px var(--brand-gold-subtle);
}

/* ==========================================================================
   FAQ Section
   ========================================================================== */
.faq-section {
  padding: 85px 0;
  background: var(--bg-page);
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: #FFFFFF;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-sm);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--brand-gold);
}

.faq-question {
  width: 100%;
  padding: 18px 22px;
  background: transparent;
  border: none;
  color: var(--brand-navy);
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  text-align: left;
}

.faq-icon {
  font-size: 0.9rem;
  color: var(--brand-gold-dark);
  transition: transform 0.25s ease;
}

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

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 22px;
  color: var(--text-secondary);
  font-size: 0.94rem;
  line-height: 1.65;
}

.faq-item.active .faq-answer {
  max-height: 250px;
  padding: 0 22px 18px 22px;
}

/* ==========================================================================
   CTA Banner (Executive Navy & Gold Trim)
   ========================================================================== */
.cta-banner-section {
  padding: 40px 0 80px 0;
  background: var(--bg-page);
}

.cta-banner {
  background: var(--brand-navy);
  border: 1px solid rgba(185, 1, 2, 0.4);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  box-shadow: 0 16px 36px rgba(8, 35, 74, 0.16);
  color: #FFFFFF;
}

.cta-banner-title {
  color: #FFFFFF;
  font-size: 2rem;
  margin-bottom: 8px;
}

.cta-banner-desc {
  color: #CBD5E1;
  font-size: 1.02rem;
}

/* ==========================================================================
   Site Footer (Classy Reddish-Shade Executive Palette)
   ========================================================================== */
.site-footer {
  position: relative;
  background: linear-gradient(180deg, #1C0407 0%, #110204 100%);
  color: #D1D5DB;
  border-top: 2px solid var(--brand-red);
  padding: 70px 0 25px 0;
  overflow: hidden;
}

.site-footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 10%;
  width: 80%;
  height: 220px;
  background: radial-gradient(ellipse at top, rgba(185, 1, 2, 0.24) 0%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}

.site-footer .container {
  position: relative;
  z-index: 1;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.9fr 0.9fr 1.2fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer-desc {
  font-size: 0.9rem;
  color: #A3A3A3;
  line-height: 1.65;
  margin: 16px 0 20px 0;
}

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

.social-link {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(185, 1, 2, 0.14);
  border: 1px solid rgba(185, 1, 2, 0.32);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  transition: var(--transition);
}

.social-link:hover {
  background: var(--brand-red);
  color: #FFFFFF;
  border-color: var(--brand-red);
  box-shadow: 0 4px 14px rgba(185, 1, 2, 0.45);
}

.footer-heading {
  font-size: 1.1rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 18px;
  position: relative;
}

.footer-heading::after {
  content: '';
  position: absolute;
  bottom: -6px;
  left: 0;
  width: 28px;
  height: 2px;
  background: var(--brand-red);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-link-item a {
  color: #B5B5B5;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-link-item a:hover {
  color: #FFA5A5;
  transform: translateX(3px);
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: #B5B5B5;
  font-size: 0.9rem;
}

.footer-contact-item i {
  color: #FF5A5C;
  margin-top: 4px;
}

.footer-contact-item a {
  color: #F3F4F6;
}

.footer-contact-item a:hover {
  color: #FFA5A5;
}

.footer-bottom {
  border-top: 1px solid rgba(185, 1, 2, 0.22);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
  font-size: 0.82rem;
  color: #8E8E93;
}

.footer-legal-links {
  display: flex;
  gap: 18px;
}

.footer-legal-links a {
  color: #94A3B8;
}

.footer-legal-links a:hover {
  color: var(--brand-gold-light);
}

/* ==========================================================================
   Modals & Floating Utilities
   ========================================================================== */
.floating-whatsapp {
  position: fixed;
  bottom: 26px;
  right: 26px;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25D366;
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 30px;
  box-shadow: 0 4px 18px rgba(37, 211, 102, 0.35);
  z-index: 990;
  transition: var(--transition);
}

.floating-whatsapp:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 24px rgba(37, 211, 102, 0.5);
}

.back-to-top {
  position: fixed;
  bottom: 96px;
  right: 30px;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  color: var(--brand-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  box-shadow: var(--shadow-card);
  z-index: 980;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  background: var(--brand-navy);
  color: #FFFFFF;
}

/* Modal */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(8, 35, 74, 0.65);
  backdrop-filter: blur(5px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  padding: 20px;
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal-content {
  background: #FFFFFF;
  border: 1px solid var(--brand-gold-border);
  border-radius: var(--radius-md);
  max-width: 540px;
  width: 100%;
  padding: 34px;
  position: relative;
  box-shadow: var(--shadow-card-hover);
  transform: scale(0.95);
  transition: var(--transition);
  max-height: 90vh;
  overflow-y: auto;
}

.modal-overlay.active .modal-content {
  transform: scale(1);
}

.modal-close-btn {
  position: absolute;
  top: 18px;
  right: 18px;
  background: transparent;
  border: none;
  color: var(--text-muted);
  font-size: 1.4rem;
  cursor: pointer;
}

.modal-close-btn:hover {
  color: var(--brand-navy);
}

/* Information Popup Modal */
.info-modal-dialog {
  max-width: 680px;
  width: 100%;
  padding: 32px 30px;
  max-height: 88vh;
  overflow-y: auto;
}

.info-modal-header {
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 16px;
  margin-bottom: 20px;
  padding-right: 30px;
}

.info-modal-badge {
  display: inline-flex;
  margin-bottom: 8px;
}

.info-modal-title {
  font-size: 1.55rem;
  color: var(--brand-navy);
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 6px;
}

.info-modal-subtitle {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

.info-modal-body {
  font-size: 0.93rem;
  line-height: 1.68;
  color: var(--text-secondary);
}

.info-modal-body h4 {
  color: var(--brand-navy);
  font-size: 1.05rem;
  margin: 18px 0 8px 0;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
}

.info-modal-body h4 i {
  color: var(--brand-gold-dark);
  font-size: 0.92rem;
}

.info-modal-body p {
  margin-bottom: 12px;
}

.info-modal-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin: 14px 0;
}

@media (max-width: 600px) {
  .info-modal-grid {
    grid-template-columns: 1fr;
  }
}

.info-stat-card {
  background: var(--bg-page);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}

.info-stat-label {
  font-size: 0.76rem;
  text-transform: uppercase;
  color: var(--text-muted);
  font-weight: 700;
  letter-spacing: 0.5px;
}

.info-stat-val {
  font-size: 1.05rem;
  color: var(--brand-navy);
  font-weight: 800;
  margin-top: 2px;
}

.info-feature-list {
  list-style: none;
  padding: 0;
  margin: 10px 0 16px 0;
}

.info-feature-list li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 8px;
  color: var(--text-secondary);
  font-size: 0.9rem;
}

.info-feature-list li i {
  position: absolute;
  left: 0;
  top: 3px;
  color: var(--brand-gold-dark);
  font-size: 0.82rem;
}

.info-callout {
  background: #FFF9F2;
  border: 1px solid var(--brand-gold-border);
  border-left: 4px solid var(--brand-gold-dark);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  margin: 16px 0;
  font-size: 0.88rem;
  color: #7A4B00;
  line-height: 1.55;
}

.info-modal-footer {
  border-top: 1px solid var(--border-light);
  padding-top: 18px;
  margin-top: 22px;
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  flex-wrap: wrap;
}

.toast-notice {
  position: fixed;
  top: 24px;
  right: 24px;
  background: #FFFFFF;
  border-left: 4px solid var(--brand-gold);
  border-radius: var(--radius-sm);
  padding: 14px 20px;
  box-shadow: var(--shadow-card-hover);
  color: var(--brand-navy);
  display: flex;
  align-items: center;
  gap: 12px;
  z-index: 2000;
  transform: translateX(120%);
  transition: transform 0.35s ease;
  font-weight: 600;
  font-size: 0.92rem;
}

.toast-notice.show {
  transform: translateX(0);
}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero-cta-group {
    justify-content: center;
  }

  .hero-stats {
    justify-content: center;
  }

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

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

  .about-img-box img {
    height: 360px;
  }

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

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

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

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

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

@media (max-width: 768px) {
  .container {
    padding: 0 16px;
  }

  .top-bar {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .navbar {
    height: 84px;
  }

  .brand-logo-img {
    height: 65px;
  }

  .nav-menu {
    position: fixed;
    top: 84px;
    left: 0;
    width: 100%;
    background: #FFFFFF;
    border-bottom: 1px solid var(--border-light);
    flex-direction: column;
    padding: 22px;
    gap: 16px;
    box-shadow: var(--shadow-card);
    transform: translateY(-150%);
    transition: var(--transition);
    z-index: 99;
  }

  .nav-menu.active {
    transform: translateY(0);
  }

  .hero-section {
    padding: 20px 0 35px 0;
  }

  .hero-image-wrap {
    max-width: 420px;
    margin: 20px auto 0 auto;
  }

  .floating-badge {
    padding: 8px 12px;
  }

  .floating-badge-1 {
    bottom: 8px;
    left: 4px;
  }

  .floating-badge-2 {
    top: 8px;
    right: 4px;
  }

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

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

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

  /* Mobile Contact Form Optimization */
  .contact-section {
    padding: 45px 0;
  }

  .contact-container {
    grid-template-columns: 1fr !important;
    padding: 18px 12px !important;
    gap: 24px !important;
    border-radius: var(--radius-md) !important;
    box-sizing: border-box !important;
    width: 100% !important;
  }

  .contact-form-panel {
    order: 1;
    /* Form appears prominently at top of contact area on mobile */
    padding: 20px 14px !important;
    border-radius: var(--radius-sm) !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }

  .contact-info-panel {
    order: 2;
    width: 100% !important;
    box-sizing: border-box !important;
  }

  .apply-form {
    width: 100% !important;
    box-sizing: border-box !important;
  }

  .form-row {
    display: flex !important;
    flex-direction: column !important;
    gap: 14px !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }

  .form-group {
    width: 100% !important;
    box-sizing: border-box !important;
  }

  .form-control {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
    font-size: 16px !important;
    /* Prevents iOS auto-zoom shifting */
    padding: 12px 14px !important;
  }

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

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

@media (max-width: 480px) {
  .container {
    padding: 0 12px;
  }

  .contact-container {
    padding: 14px 8px !important;
  }

  .contact-form-panel {
    padding: 18px 12px !important;
  }
}