:root {
  --maroon: #7c1f1c;
  --maroon-2: #a63524;
  --gold: #d69b3c;
  --gold-soft: #f8e8c8;
  --ink: #17120f;
  --muted: #6e625e;
  --line: #eaded6;
  --paper: #fffaf5;
  --white: #ffffff;
  --shadow: 0 24px 80px rgba(44, 22, 13, .12);
  --radius: 28px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  background: linear-gradient(
    180deg,
    #fffaf5 0%,
    #fff 44%,
    #fff8f0 100%
  );
  color: var(--ink);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

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

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

button,
input,
select,
textarea {
  font: inherit;
}


/* =========================
   TOP BAR
========================= */

.topbar {
  background: #25110f;
  color: #fff;
  font-size: 13px;
}

.topbar .wrap {
  max-width: 1180px;
  margin: auto;
  display: flex;
  gap: 20px;
  justify-content: space-between;
  align-items: center;
  padding: 9px 20px;
}

.topbar a {
  opacity: .9;
}

.topbar strong {
  color: var(--gold);
}


/* =========================
   HEADER & NAVIGATION
========================= */

.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 250, 245, .88);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(124, 31, 28, .12);
}

.nav {
  max-width: 1180px;
  margin: auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

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

.brand img {
  width: 230px;
  height: auto;
}

.navlinks {
  display: flex;
  gap: 22px;
  align-items: center;
  color: #4b3b35;
  font-size: 14px;
  font-weight: 650;
}

.navlinks a:hover {
  color: var(--maroon);
}

.nav-cta {
  display: flex;
  gap: 10px;
  align-items: center;
}

.hamb {
  display: none;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  padding: 9px 12px;
  color: var(--maroon);
}


/* =========================
   BUTTONS
========================= */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 0;
  border-radius: 999px;
  padding: 13px 20px;
  font-weight: 750;
  cursor: pointer;
  transition: .22s ease;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(
    135deg,
    var(--maroon),
    var(--maroon-2)
  );
  color: #fff;
  box-shadow: 0 14px 30px rgba(124, 31, 28, .23);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 42px rgba(124, 31, 28, .28);
}

.btn-ghost {
  background: #fff;
  color: var(--maroon);
  border: 1px solid rgba(124, 31, 28, .18);
}

.btn-gold {
  background: linear-gradient(
    135deg,
    #f2d28e,
    #d69b3c
  );
  color: #301410;
}

.btn-text {
  padding: 0;
  background: transparent;
  color: var(--maroon);
  font-weight: 800;
}


/* =========================
   COMMON WRAPPER
========================= */

.wrap {
  max-width: 1180px;
  margin: auto;
  padding-left: 20px;
  padding-right: 20px;
}


/* =========================
   HERO SECTION
========================= */

.hero {
  position: relative;
  overflow: hidden;
  padding: 84px 0 42px;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      circle at 15% 10%,
      rgba(214, 155, 60, .18),
      transparent 35%
    ),
    radial-gradient(
      circle at 90% 20%,
      rgba(124, 31, 28, .12),
      transparent 30%
    );
  pointer-events: none;
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.02fr .98fr;
  gap: 48px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 11px;
  border: 1px solid rgba(214, 155, 60, .45);
  background: rgba(255, 255, 255, .7);
  border-radius: 999px;
  color: var(--maroon);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.h1 {
  font-family: Manrope, Inter, sans-serif;
  font-size:clamp(30px,3.6vw,48px); 
  line-height:1.08; 
  margin:16px 0 18px; 
  letter-spacing:-.03em
}

.h1 span {
  background: linear-gradient(
    135deg,
    var(--maroon),
    #e17b2f
  );
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.lead {
  font-size: clamp(17px, 2vw, 21px);
  color: #544640;
  max-width: 720px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 30px 0 18px;
}

.mini-proof {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-top: 20px;
  color: #62534d;
}

.mini-proof b {
  color: var(--ink);
}

.hero-card {
  position: relative;
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 34px;
  padding: 18px;
  box-shadow: var(--shadow);
}

.hero-photo {
  height: 500px;
  border-radius: 25px;
  object-fit:cover;
  object-position:center top;
  width: 100%;
  filter: saturate(.95) contrast(1.02);
}

.floating-panel {
  position: absolute;
  left: 2px;
  bottom: 26px;
  right: 26px;
  margin-left: 22px;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(18px);
  border: 1px solid rgba(255, 255, 255, .8);
  border-radius: 23px;
  padding: 18px;
  box-shadow: 0 18px 50px rgba(24, 12, 5, .14);
}

.panel-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.metric {
  text-align: center;
  border-right: 1px solid var(--line);
}

.metric:last-child {
  border-right: 0;
}

.metric strong {
  font-size: 22px;
  color: var(--maroon);
  display: block;
}

.metric span {
  font-size: 12px;
  color: var(--muted);
}


/* =========================
   TRUST STRIP
========================= */

.trust-strip {
  padding: 12px 0 42px;
}

.trust-card {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .11);
  border-radius: 26px;
  padding: 20px;
  box-shadow: 0 16px 50px rgba(44, 22, 13, .06);
  display: grid;
  grid-template-columns: 1.1fr repeat(4, .8fr);
  gap: 18px;
  align-items: center;
}

.trust-card .intro {
  font-weight: 800;
  color: var(--maroon);
}

.trust-pill {
  background: #fff8ef;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px;
}

.trust-pill b {
  display: block;
  font-size: 24px;
}

.trust-pill span {
  color: var(--muted);
  font-size: 13px;
}


/* =========================
   SECTION STYLES
========================= */

.section{padding:48px 0}.section-tight{padding:32px 0}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 34px;
}

.section-title {
  font-family: Manrope, Inter, sans-serif;
  font-size: clamp(20px, 2.1vw, 28px);
  line-height: 1.16;
  letter-spacing: -.02em;
  margin: 0;
}

.section-title small {
  display: block;
  color: var(--maroon);
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

.section-kicker {
  max-width: 560px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.55;
}


/* =========================
   GRID SYSTEM
========================= */

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

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}


/* =========================
   CARDS
========================= */

.card {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: 0 18px 58px rgba(44, 22, 13, .055);
}

.card:hover {
  transform: translateY(-2px);
  transition: .22s ease;
}

.icon {
  width: 44px;
  height: 44px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  background: #fff3df;
  color: var(--maroon);
  font-weight: 900;
  margin-bottom: 18px;
}

.card h3 {
  margin: 0 0 10px;
  font-size: 22px;
  letter-spacing: -.02em;
}

.card img {
  display: block;
  width: 100%;
  height: 260px;
  object-fit: cover;
  border-radius: 22px;
  margin-bottom: 18px;
}

.card p {
  color: var(--muted);
  margin: 0;
}

.card ul {
  margin: 14px 0 0;
  padding-left: 19px;
  color: #5d504b;
}

.card li {
  margin: 8px 0;
}


/* =========================
   SPLIT LAYOUT
========================= */

.split {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 36px;
  align-items: center;
}


/* =========================
   VISUAL CARD
========================= */

.visual-card {
  position: relative;
  background: #24120f;
  border-radius: 34px;
  padding: 18px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.visual-card img {
  border-radius: 22px;
}

.caption-chip {
  position: absolute;
  left: 30px;
  top: 30px;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px);
  border-radius: 999px;
  padding: 9px 14px;
  color: var(--maroon);
  font-weight: 850;
  font-size: 13px;
}


/* =========================
   TIMELINE
========================= */

.timeline {
  border-left: 2px solid #edd6bd;
  margin-left: 14px;
  padding-left: 28px;
}

.step {
  position: relative;
  margin: 0 0 26px;
}

.step::before {
  content: "";
  position: absolute;
  left: -38px;
  top: 3px;
  width: 18px;
  height: 18px;
  background: #fff;
  border: 4px solid var(--gold);
  border-radius: 50%;
}

.step h3 {
  margin: 0 0 6px;
}

.step p {
  margin: 0;
  color: var(--muted);
}


/* =========================
   TABS
========================= */

.tabs {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}

.tab-btn {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 999px;
  padding: 10px 16px;
  font-weight: 800;
  color: #4d3e37;
  cursor: pointer;
}

.tab-btn.active {
  background: var(--maroon);
  color: #fff;
  border-color: var(--maroon);
}

.tab-panel {
  display: none;
}

.tab-panel.active {
  display: block;
}


/* =========================
   FEATURE LINES
========================= */

.feature-line {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
}

.feature-line:last-child {
  border-bottom: 0;
}

.feature-line b {
  display: block;
}

.feature-line span {
  color: var(--muted);
}


/* =========================
   SYSTEM CARDS
========================= */

.system-card {
  padding: 0;
  overflow: hidden;
}

.system-card .screen {
  height: 190px;
  background: #f7efe5;
  object-fit: cover;
  width: 100%;
  border-bottom: 1px solid var(--line);
}

.system-card .body {
  padding: 24px;
}


/* =========================
   TAG
========================= */

.tag {
  display: inline-flex;
  border: 1px solid rgba(214, 155, 60, .55);
  background: #fff9ed;
  color: #7c4c0e;
  border-radius: 999px;
  padding: 5px 10px;
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 12px;
}


/* =========================
   PLATFORM SHOWCASE
   (auto-playing, video-style
   platform-by-platform reveal)
========================= */

.showcase {
  position: relative;
}

.showcase-progress {
  height: 4px;
  width: 100%;
  background: var(--line);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 30px;
}

.showcase-progress-bar {
  height: 100%;
  width: 0%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), var(--maroon-2));
}

.showcase-stage {
  position: relative;
  min-height: 460px;
}

.showcase-slide {
  display: none;
  grid-template-columns: 1.05fr .95fr;
  align-items: center;
  gap: 44px;
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px;
}

.showcase-slide.is-active {
  display: grid;
  animation: showcaseIn .55s ease forwards;
}

@keyframes showcaseIn {
  from {
    opacity: 0;
    transform: translateY(16px) scale(.98);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

.showcase-media {
  border-radius: 22px;
  overflow: hidden;
  background: #f7efe5;
  border: 1px solid var(--line);
}

.showcase-media img {
  width: 100%;
  height: 360px;
  object-fit: cover;
  display: block;
}

.showcase-index {
  display: block;
  font-size: 13px;
  font-weight: 900;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--maroon-2);
  margin-bottom: 10px;
}

.showcase-body h3 {
  margin: 0 0 14px;
  font-size: 30px;
  letter-spacing: -.02em;
}

.showcase-body p {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
}

.showcase-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 28px;
}

.showcase-arrow {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--maroon);
  font-size: 20px;
  line-height: 1;
  cursor: pointer;
  display: grid;
  place-items: center;
  transition: .2s ease;
}

.showcase-arrow:hover {
  background: var(--maroon);
  border-color: var(--maroon);
  color: #fff;
}

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

.showcase-dot {
  width: 9px;
  height: 9px;
  padding: 0;
  border: 0;
  border-radius: 999px;
  background: var(--line);
  cursor: pointer;
  transition: .25s ease;
}

.showcase-dot.is-active {
  width: 28px;
  background: var(--maroon);
}


/* =========================
   BANK GRID
========================= */

.bank-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 10px;
}

/* =========================
   BANK GRID
========================= */

.bank-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 14px;
}


/* =========================
   COMMON BANK CARD
========================= */

.bank {
  min-height: 68px;

  display: flex;
  align-items: center;
  justify-content: center;

  /* Proper spacing between span words */
  gap: 6px;

  padding: 14px 12px;

  /* White background for ALL banks */
  background: #ffffff;

  border: 1px solid #eaded6;
  border-radius: 18px;

  text-align: center;
  font-size: 17px;
  font-weight: 900;

  transition:
    transform 0.25s ease,
    box-shadow 0.25s ease,
    border-color 0.25s ease;
} 

.bank:hover {
  transform: translateY(-3px);
} 



/* =========================
   SBI
   MAIN COLOR: BLUE
========================= */

.bank-sbi {
  color: #00a9e0;
  background: #ffffff;
  border-color: rgba(0, 169, 224, 0.35);
}

.bank-sbi:hover {
  border-color: #00a9e0;

  box-shadow:
    0 12px 28px rgba(0, 169, 224, 0.18);
}


/* =========================
   HDFC BANK
   MAIN COLOR: RED
========================= */

.bank-hdfc {
  color: #ed1c24;
  background: #ffffff;
  border-color: rgba(237, 28, 36, 0.35);
}

.bank-hdfc .hdfc-name,
.bank-hdfc .hdfc-bank {
  color: #ed1c24;
}

.bank-hdfc:hover {
  border-color: #ed1c24;

  box-shadow:
    0 12px 28px rgba(237, 28, 36, 0.18);
}


/* =========================
   ICICI BANK
   MAIN COLOR: ORANGE
========================= */

.bank-icici {
  color: #f58220;
  background: #ffffff;
  border-color: rgba(245, 130, 32, 0.35);
}

.bank-icici .icici-name,
.bank-icici .icici-bank {
  color: #f58220;
}

.bank-icici:hover {
  border-color: #f58220;

  box-shadow:
    0 12px 28px rgba(245, 130, 32, 0.18);
}


/* =========================
   AXIS FINANCE
   MAIN COLOR: BURGUNDY
========================= */

.bank-axis {
  color: #97144d;
  background: #ffffff;
  border-color: rgba(151, 20, 77, 0.35);
}

.bank-axis .axis-name,
.bank-axis .axis-bank {
  color: #97144d;
}

.bank-axis:hover {
  border-color: #97144d;

  box-shadow:
    0 12px 28px rgba(151, 20, 77, 0.18);
}


/* =========================
   BANK OF BARODA
   MAIN COLOR: ORANGE
========================= */

.bank-bob {
  color: #f15a29;
  background: #ffffff;
  border-color: rgba(241, 90, 41, 0.35);
}

.bank-bob .bob-bank,
.bank-bob .bob-name {
  color: #f15a29;
}

.bank-bob:hover {
  border-color: #f15a29;

  box-shadow:
    0 12px 28px rgba(241, 90, 41, 0.18);
}


/* =========================
   KOTAK
   MAIN COLOR: RED
========================= */

.bank-kotak {
  color: #ed1c24;
  background: #ffffff;
  border-color: rgba(237, 28, 36, 0.35);
}

.bank-kotak:hover {
  border-color: #ed1c24;

  box-shadow:
    0 12px 28px rgba(237, 28, 36, 0.18);
}


/* =========================
   PNB HOUSING
   MAIN COLOR: RED / MAROON
========================= */

.bank-pnb {
  color: #c8202f;
  background: #ffffff;
  border-color: rgba(200, 32, 47, 0.35);
}

.bank-pnb .pnb-name,
.bank-pnb .pnb-housing {
  color: #c8202f;
}

.bank-pnb:hover {
  border-color: #c8202f;

  box-shadow:
    0 12px 28px rgba(200, 32, 47, 0.18);
}


/* =========================
   IDBI BANK
   MAIN COLOR: GREEN
========================= */

.bank-idbi {
  color: #008f68;
  background: #ffffff;
  border-color: rgba(0, 143, 104, 0.35);
}

.bank-idbi .idbi-name,
.bank-idbi .idbi-bank {
  color: #008f68;
}

.bank-idbi:hover {
  border-color: #008f68;

  box-shadow:
    0 12px 28px rgba(0, 143, 104, 0.18);
}


/* =========================
   LIC HFL
   MAIN COLOR: BLUE
========================= */

.bank-lic {
  color: #075aa6;
  background: #ffffff;
  border-color: rgba(7, 90, 166, 0.35);
}

.bank-lic .lic-name,
.bank-lic .lic-hfl {
  color: #075aa6;
}

.bank-lic:hover {
  border-color: #075aa6;

  box-shadow:
    0 12px 28px rgba(7, 90, 166, 0.18);
}


/* =========================
   TATA CAPITAL
   MAIN COLOR: BLUE
========================= */

.bank-tata {
  color: #246eb5;
  background: #ffffff;
  border-color: rgba(36, 110, 181, 0.35);
}

.bank-tata .tata-name,
.bank-tata .tata-capital {
  color: #246eb5;
}

.bank-tata:hover {
  border-color: #246eb5;

  box-shadow:
    0 12px 28px rgba(36, 110, 181, 0.18);
}


/* =========================
   BAJAJ HOUSING
   MAIN COLOR: BLUE
========================= */

.bank-bajaj {
  color: #0877bd;
  background: #ffffff;
  border-color: rgba(8, 119, 189, 0.35);
}

.bank-bajaj .bajaj-name,
.bank-bajaj .bajaj-housing {
  color: #0877bd;
}

.bank-bajaj:hover {
  border-color: #0877bd;

  box-shadow:
    0 12px 28px rgba(8, 119, 189, 0.18);
}


/* =========================
   L&T FINANCE
   MAIN COLOR: DARK NAVY
========================= */

.bank-lt {
  color: #20283a;
  background: #ffffff;
  border-color: rgba(32, 40, 58, 0.35);
}

.bank-lt .lt-name,
.bank-lt .lt-housing {
  color: #20283a;
}

.bank-lt:hover {
  border-color: #20283a;

  box-shadow:
    0 12px 28px rgba(32, 40, 58, 0.18);
}

/* =========================
   UNION BANK OF INDIA
   MAIN COLOR: RED
========================= */
.bank-union {
  color: #e03c31;
  background: #ffffff;
  border-color: rgba(224, 60, 49, 0.35);
}
.bank-union:hover {
  border-color: #e03c31;
  box-shadow: 0 12px 28px rgba(224, 60, 49, 0.18);
}

/* =========================
   BANK OF INDIA
   MAIN COLOR: BLUE
========================= */
.bank-boi {
  color: #005baa;
  background: #ffffff;
  border-color: rgba(0, 91, 170, 0.35);
}
.bank-boi:hover {
  border-color: #005baa;
  box-shadow: 0 12px 28px rgba(0, 91, 170, 0.18);
}

/* =========================
   PUNJAB NATIONAL BANK
   MAIN COLOR: MAROON
========================= */
.bank-pnb-main {
  color: #a02040;
  background: #ffffff;
  border-color: rgba(160, 32, 64, 0.35);
}
.bank-pnb-main:hover {
  border-color: #a02040;
  box-shadow: 0 12px 28px rgba(160, 32, 64, 0.18);
}

/* =========================
   BANK OF MAHARASHTRA
   MAIN COLOR: BLUE
========================= */
.bank-bom {
  color: #0072bc;
  background: #ffffff;
  border-color: rgba(0, 114, 188, 0.35);
}
.bank-bom:hover {
  border-color: #0072bc;
  box-shadow: 0 12px 28px rgba(0, 114, 188, 0.18);
}

/* =========================
   UCO BANK
   MAIN COLOR: BLUE
========================= */
.bank-uco {
  color: #0a3ea1;
  background: #ffffff;
  border-color: rgba(10, 62, 161, 0.35);
}
.bank-uco:hover {
  border-color: #0a3ea1;
  box-shadow: 0 12px 28px rgba(10, 62, 161, 0.18);
}

/* =========================
   HFFC (HOME FIRST FINANCE)
   MAIN COLOR: BLUE
========================= */
.bank-hffc {
  color: #1c6fb4;
  background: #ffffff;
  border-color: rgba(28, 111, 180, 0.35);
}
.bank-hffc:hover {
  border-color: #1c6fb4;
  box-shadow: 0 12px 28px rgba(28, 111, 180, 0.18);
}

/* =========================
   CENTRAL BANK OF INDIA
   MAIN COLOR: RED
========================= */
.bank-central {
  color: #d0103a;
  background: #ffffff;
  border-color: rgba(208, 16, 58, 0.35);
}
.bank-central:hover {
  border-color: #d0103a;
  box-shadow: 0 12px 28px rgba(208, 16, 58, 0.18);
}

/* =========================
   VASTU HOUSING FINANCE
   MAIN COLOR: NAVY BLUE
========================= */
.bank-vastu {
  color: #0b3d6c;
  background: #ffffff;
  border-color: rgba(11, 61, 108, 0.35);
}
.bank-vastu:hover {
  border-color: #0b3d6c;
  box-shadow: 0 12px 28px rgba(11, 61, 108, 0.18);
}

/* =========================
   IIFL FINANCE
   MAIN COLOR: ORANGE
========================= */
.bank-iifl {
  color: #f7931e;
  background: #ffffff;
  border-color: rgba(247, 147, 30, 0.35);
}
.bank-iifl:hover {
  border-color: #f7931e;
  box-shadow: 0 12px 28px rgba(247, 147, 30, 0.18);
}

/* =========================
   SAMMAAN CAPITAL
   MAIN COLOR: BLUE
========================= */
.bank-samman {
  color: #1a2c8c;
  background: #ffffff;
  border-color: rgba(26, 44, 140, 0.35);
}
.bank-samman:hover {
  border-color: #1a2c8c;
  box-shadow: 0 12px 28px rgba(26, 44, 140, 0.18);
}

/* =========================
   ADITYA BIRLA CAPITAL
   MAIN COLOR: RED
========================= */
.bank-adityabirla {
  color: #c1272d;
  background: #ffffff;
  border-color: rgba(193, 39, 45, 0.35);
}
.bank-adityabirla:hover {
  border-color: #c1272d;
  box-shadow: 0 12px 28px rgba(193, 39, 45, 0.18);
}

/* =========================
   SARASWAT BANK
   MAIN COLOR: RED
========================= */
.bank-saraswant {
  color: #c1272d;
  background: #ffffff;
  border-color: rgba(193, 39, 45, 0.35);
}
.bank-saraswant:hover {
  border-color: #c1272d;
  box-shadow: 0 12px 28px rgba(193, 39, 45, 0.18);
}

/* =========================
   AAVAS FINANCIERS LTD
   MAIN COLOR: NAVY BLUE
========================= */
.bank-aavas {
  color: #1a3a8f;
  background: #ffffff;
  border-color: rgba(26, 58, 143, 0.35);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 2px;
  font-size: 15px;
  line-height: 1.3;
}
.bank-aavas span {
  display: block;
  width: 100%;
}
.bank-aavas:hover {
  border-color: #1a3a8f;
  box-shadow: 0 12px 28px rgba(26, 58, 143, 0.18);
}

/* =========================
   PHILOSOPHY
========================= */

.philosophy{display:grid;grid-template-columns:repeat(7,1fr);gap:10px;margin-top:28px}

.shastra{background:var(--maroon-2);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:18px;min-height:140px}

.shastra b {
  font-size: 32px;
  color: var(--gold);
}
.shastra-gold{background:linear-gradient(135deg,#f8e8c8,#d69b3c 55%,#f2d28e);-webkit-background-clip:text;background-clip:text;color:transparent;font-weight:900;letter-spacing:-.01em;text-shadow:0 2px 18px rgba(214,155,60,.35)}

.shastra span {
  display: block;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: #f6d4b4;
  font-weight: 800;
}

.shastra p {
  font-size: 14px;
  margin: 8px 0 0;
  color: #fff;
}

.philosophy-card{background:#fffaf5;border-radius:24px;padding:36px 40px;box-shadow:0 1px 3px rgba(0,0,0,.08),0 8px 24px rgba(80,40,20,.08);border:1px solid rgba(124,31,28,.08)}
.philosophy-card .section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:28px}
.philosophy-card .section-title{color:var(--ink);margin:0}
.philosophy-card .section-title small{color:var(--maroon)}
.philosophy-card .section-kicker{color:var(--muted);max-width:380px;margin:0}
.philosophy-card .philosophy{margin-top:0}
.philosophy-card .shastra{background:linear-gradient(135deg,#331210,#8d241e);border:0}

/* =========================
   CALCULATOR
========================= */

.calculator {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 32px;
  padding: 28px;
  box-shadow: var(--shadow);
}

.calculator h3 {
  margin: 0 0 8px;
  font-size: 24px;
  letter-spacing: -.02em;
}


/* =========================
   FORM GRID
========================= */

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.field label {
  display: block;
  font-size: 13px;
  font-weight: 800;
  color: #4b3b35;
  margin-bottom: 7px;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid #e4d3c7;
  border-radius: 15px;
  background: #fffaf6;
  color: var(--ink);
  outline: none;
}

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


/* =========================
   RESULT
========================= */

/* result 
  margin-top: 18px;
  background: #fff5e8;
  border: 1px solid #f0d6b0;
  border-radius: 22px;
  padding: 18px;
  color: #39221a;
}

.result b.big {
  font-size: 24px;
  color: var(--maroon);
}

.result .saving {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-top: 12px;
}

.result .saving div {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 12px;
}

.result .saving strong {
  display: block;
  color: var(--maroon);
  font-size: 20px;
}

.result .saving span {
  font-size: 12px;
  color: var(--muted);
}*/ 

.result .saving{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:12px}
.result .saving div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px 12px;box-shadow:0 8px 20px rgba(44,22,13,.06);border-top:3px solid var(--gold);transition:transform .2s ease,box-shadow .2s ease}
.result .saving div:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(44,22,13,.12)}
.result .saving strong{display:block;color:var(--maroon);font-size:22px;letter-spacing:-.01em}
.result .saving span{font-size:12px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.result .saving div:last-child{background:linear-gradient(135deg,var(--maroon),var(--maroon-2));border-top-color:var(--gold)}
.result .saving div:last-child strong{color:#fff;font-size:24px}
.result .saving div:last-child span{color:var(--gold-soft)}

.result .saving{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:12px}
.result .saving div{background:linear-gradient(135deg,var(--maroon),var(--maroon-2));border-radius:16px;padding:14px 12px;box-shadow:0 10px 26px rgba(124,31,28,.22);border-top:3px solid var(--gold);transition:transform .2s ease,box-shadow .2s ease}
.result .saving div:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(124,31,28,.3)}
.result .saving strong{display:block;color:#fff;font-size:22px;letter-spacing:-.01em}
.result .saving span{font-size:12px;color:var(--gold-soft);font-weight:700;text-transform:uppercase;letter-spacing:.04em}


/* =========================
   FAQ
========================= */

.faq {
  border-top: 1px solid var(--line);
}

.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 20px 0;
}

.faq-q {
  font-weight: 900;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  cursor: pointer;
}

.faq-q span {
  color: var(--maroon);
  font-size: 20px;
}

.faq-a {
  display: none;
  color: var(--muted);
  padding-top: 10px;
  max-width: 820px;
}

.faq-item.open .faq-a {
  display: block;
}

.faq-item.open .faq-q span {
  transform: rotate(45deg);
}


/* =========================
   CTA SECTION
========================= */

.cta {
  padding: 50px 0 92px;
}

.cta-box {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 42px;
  padding: 40px;
  box-shadow: var(--shadow);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 26px;
  align-items: center;
}


/* =========================
   FOOTER
========================= */

.footer {
  background: #1d100e;
  color: #fff;
  padding: 54px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr .8fr .8fr .8fr;
  gap: 30px;
}

.footer img {
  width: 190px;
  filter: brightness(0) invert(1);
}

.footer p,
.footer a {
  color: #e5c9c1;
}

.footer h4 {
  color: #fff;
  margin: 0 0 16px;
}

.footer a {
  display: block;
  margin: 7px 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .12);
  padding-top: 18px;
  margin-top: 28px;
  display: flex;
  justify-content: space-between;
  color: #ceb7ad;
  font-size: 13px;
}


/* =========================
   PAGE HERO
========================= */

.page-hero {
  padding: 74px 0 42px;
  background:
    radial-gradient(
      circle at 10% 0,
      rgba(214, 155, 60, .18),
      transparent 30%
    ),
    linear-gradient(
      180deg,
      #fff6ea,
      #fff
    );
}

.breadcrumb {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 16px;
}


/* =========================
   CONTENT PROSE
========================= */

.content-prose {
  max-width: 880px;
}

.content-prose h2 {
  font-size: 34px;
  letter-spacing: -.03em;
}

.content-prose p,
.content-prose li {
  color: #5b504c;
}


/* =========================
   CITY GRID
========================= */

.city-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}


/* =========================
   SEO PILL
========================= */

.seo-pill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 16px;font-size:13px;color:#493d38;text-align:center;display:flex;align-items:center;justify-content:center;gap:8px;font-weight:650;transition:border-color .15s ease,transform .15s ease}.seo-pill:hover{border-color:var(--gold);transform:translateY(-1px)}.seo-pill svg{width:15px;height:15px;flex:none;stroke:var(--maroon)}


/* =========================
   DISCLAIMER
========================= */

.disclaimer {
  font-size: 12px;
  color: #75645d;
  background: #fff8f0;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 14px;
  margin-top: 20px;
}


/* =========================
   PRODUCT CARD
========================= */

.product-card {
  position: relative;
  overflow: hidden;
}

.product-card::before {
  content: "";
  position: absolute;
  right: -42px;
  top: -42px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: rgba(214, 155, 60, .14);
}

.product-card .tagline {
  display: block;
  color: var(--maroon);
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-weight: 900;
  margin-bottom: 8px;
}

/* ===== Flip cards (loan products) ===== */
.flip-outer{perspective:1400px}
.flip-card{position:relative;height:230px;cursor:pointer}
.flip-card:focus-visible{outline:2px solid var(--gold);outline-offset:4px;border-radius:var(--radius)}
.flip-inner{position:relative;width:100%;height:100%;transition:transform .6s cubic-bezier(.4,.2,.2,1);transform-style:preserve-3d}
.flip-card.is-flipped .flip-inner{transform:rotateY(180deg)}
.flip-face{position:absolute;inset:0;backface-visibility:hidden;-webkit-backface-visibility:hidden;border-radius:var(--radius);padding:24px;box-sizing:border-box;overflow:hidden;display:flex;flex-direction:column}
.flip-front{background:#fff;border:1px solid rgba(124,31,28,.12);box-shadow:0 18px 58px rgba(44,22,13,.055)}
.flip-front:before{content:"";position:absolute;right:-42px;top:-42px;width:120px;height:120px;border-radius:50%;background:rgba(214,155,60,.14)}
.flip-icon{position:relative;z-index:1;width:44px;height:44px;border-radius:14px;background:#fff3df;color:var(--maroon);display:flex;align-items:center;justify-content:center;font-size:21px;margin-bottom:16px}
.flip-tag{position:relative;z-index:1;display:block;color:var(--maroon);font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:900;margin-bottom:8px}
.flip-front h3{position:relative;z-index:1;margin:0;font-size:20px;letter-spacing:-.02em}
.flip-hint{position:relative;z-index:1;margin-top:auto;padding-top:14px;color:#a89b93;font-size:12px;font-weight:700;display:flex;align-items:center;gap:6px}
.flip-hint i{font-size:14px}
.flip-back{background:linear-gradient(135deg,#331210,#8d241e);color:#fdf1e6;transform:rotateY(180deg);justify-content:space-between}
.flip-tag-back{display:block;color:#e8c184;font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:900;margin-bottom:10px}
.flip-back p{margin:0;font-size:14px;line-height:1.6;color:#f3e2d8}
.flip-back-cta{font-size:12px;color:#e8c184;font-weight:800;display:flex;align-items:center;gap:6px}
@media(max-width:960px){.flip-card{height:220px}}
@media(max-width:620px){.flip-card{height:230px}.flip-face{padding:20px}}


/* =========================
   VALUE STRIP
========================= */

.value-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-top: 24px;
}

.value-item {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 22px;
  padding: 20px;
  box-shadow: 0 12px 36px rgba(44, 22, 13, .045);
}

.value-item b {
  display: block;
  font-size: 28px;
  color: var(--maroon);
  line-height: 1;
}

.value-item span {
  display: block;
  color: var(--muted);
  font-size: 13px;
  margin-top: 7px;
}


/* =========================
   DASHBOARD SHOWCASE
========================= */

.dashboard-showcase {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 34px;
  box-shadow: var(--shadow);
  padding: 18px;
}

.dashboard-showcase img {
  border-radius: 24px;
  border: 1px solid #e7e0d8;
  width: 100%;
  background: #fff;
}

.dashboard-points {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 18px;
}

.dashboard-point {
  background: #fff8ef;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px;
}

.dashboard-point b {
  display: block;
  color: var(--maroon);
}

.dashboard-point span {
  display: block;
  color: var(--muted);
  font-size: 13px;
  margin-top: 4px;
}


/* =========================
   SOCIAL FOLLOW
========================= */

.social-follow {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}

.social-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  border: 1px solid rgba(255, 255, 255, .18);
  background: rgba(255, 255, 255, .08);
  color: #fff;
  border-radius: 999px;
  padding: 10px 13px;
  font-size: 13px;
  font-weight: 850;
}

.social-link svg {
  width: 17px;
  height: 17px;
  fill: currentColor;
}

.social-link:hover {
  background: rgba(214, 155, 60, .22);
  transform: translateY(-1px);
}

.footer .follow-note {
  color: #f0d5ca;
  margin: 14px 0 0;
  font-size: 13px;
}


/* =========================
   SOCIAL SECTION
========================= */

.social-section {
  background: #fff;
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 34px;
  padding: 28px;
  box-shadow: 0 18px 58px rgba(44, 22, 13, .055);
}

.social-section .social-follow .social-link {
  background: #fff8ef;
  color: var(--maroon);
  border-color: var(--line);
}


/* =========================
   CONVERSION BAND
========================= */

.conversion-band {
  background: linear-gradient(
    135deg,
    #fff,
    #fff6ea
  );
  border: 1px solid rgba(124, 31, 28, .12);
  border-radius: 34px;
  padding: 32px;
  box-shadow: var(--shadow);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
}

.conversion-band h2 {
  font-family: Manrope, Inter, sans-serif;
  font-size: 34px;
  line-height: 1.05;
  letter-spacing: -.04em;
  margin: 0 0 8px;
  color: var(--maroon);
}

.conversion-band p {
  margin: 0;
  color: var(--muted);
  max-width: 680px;
}


/* =========================
   STICKY CTA
========================= */

.sticky-cta {
  position: fixed;
  left: 50%;
  bottom: 16px;
  transform: translateX(-50%);
  z-index: 80;
  background: rgba(37, 17, 15, .94);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, .16);
  box-shadow: 0 16px 50px rgba(0, 0, 0, .22);
  display: flex;
  gap: 8px;
  border-radius: 999px;
  padding: 8px;
}

.sticky-cta a {
  color: #fff;
  font-weight: 850;
  font-size: 13px;
  padding: 10px 14px;
  border-radius: 999px;
  white-space: nowrap;
}

.sticky-cta a:nth-child(2) {
  background: linear-gradient(
    135deg,
    #f2d28e,
    #d69b3c
  );
  color: #301410;
}

.sticky-cta a:hover {
  background: rgba(255, 255, 255, .10);
}


/* =========================
   WORDPRESS NOTE
========================= */

.wp-note {
  background: #fff8ef;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px;
  color: var(--muted);
}


/* =========================
   RESPONSIVE - TABLET
   MAX WIDTH: 960px
========================= */

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

  .sticky-cta {
    left: 12px;
    right: 12px;
    transform: none;
    justify-content: center;
  }

  .result .saving {
    grid-template-columns: 1fr;
  }
}


/* =========================
   RESPONSIVE - SMALL MOBILE
   MAX WIDTH: 620px
========================= */

@media (max-width: 620px) {
  .sticky-cta a {
    font-size: 12px;
    padding: 9px 10px;
  }

  .sticky-cta {
    bottom: 10px;
  }
}


/* =========================
   RESPONSIVE - MAIN TABLET
   MAX WIDTH: 960px
========================= */

@media (max-width: 960px) {
  .navlinks {
    display: none;
    position: absolute;
    left: 20px;
    right: 20px;
    top: 72px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 18px;
    box-shadow: var(--shadow);
    flex-direction: column;
    align-items: flex-start;
  }

  .navlinks.open {
    display: flex;
  }

  .hamb {
    display: inline-flex;
  }

  .nav-cta .btn-ghost {
    display: none;
  }

  .hero-grid,
  .split,
  .grid-2,
  .grid-3,
  .trust-card,
  .cta-box {
    grid-template-columns: 1fr;
  }

  .showcase-slide {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .showcase-media img {
    height: 260px;
  }

  .grid-4,
  .philosophy,
  .bank-grid,
  .city-grid,
  .value-strip,
  .dashboard-points {
    grid-template-columns: repeat(2, 1fr);
  }

  .hero {
    padding-top: 48px;
  }

  .hero-photo {
    height: 420px;
  }

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

  .section-head {
    display: block;
  }

  .section-kicker {
    margin-top: 14px;
  }

  .topbar .wrap {
    display: none;
  }

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


/* =========================
   RESPONSIVE - MOBILE
   MAX WIDTH: 620px
========================= */

@media (max-width: 620px) {
  .brand img {
    width: 190px;
  }

  .h1 {
    font-size: 43px;
  }

  .hero-photo {
    height: 360px;
  }

  .floating-panel {
    position: relative;
    margin: 14px 0 0;
    left: auto;
    right: auto;
    bottom: auto;
  }

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

  .metric {
    border-right: 0;
    border-bottom: 1px solid var(--line);
    padding: 8px;
  }

  .metric:last-child {
    border-bottom: 0;
  }

  .grid-4,
  .philosophy,
  .bank-grid,
  .city-grid,
  .value-strip,
  .dashboard-points {
    grid-template-columns: 1fr;
  }

  .showcase-slide {
    padding: 20px;
  }

  .showcase-media img {
    height: 210px;
  }

  .showcase-body h3 {
    font-size: 24px;
  }

  .section{padding:40px 0}

  .maroon-block,
  .cta-box {
    border-radius: 28px;
    padding: 26px;
  }

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

  .footer-bottom {
    display: block;
  }

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


/* =========================
   BUTTON INTERACTION
   HARDENING
========================= */

a.btn,
button,
.faq-q,
.tab-btn,
.social-link,
.sticky-cta a {
  position: relative;
  z-index: 3;
  pointer-events: auto;
  cursor: pointer;
  touch-action: manipulation;
}

a.btn:focus-visible,
button:focus-visible,
.faq-q:focus-visible,
.tab-btn:focus-visible,
.social-link:focus-visible {
  outline: 3px solid rgba(214, 155, 60, .75);
  outline-offset: 3px;
}


/* =========================
   SECTION SCROLL OFFSET
========================= */

section[id] {
  scroll-margin-top: 110px;
}


/* ==================================================
   PREMIUM LUXURY 3D FLIP LOAN CARDS
================================================== */

.premium-loan-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}


/* =========================
   FLIP CARD WRAPPER
========================= */

.loan-flip-card {
  position: relative;

  min-height: 330px;

  perspective: 1400px;
}


/* =========================
   ROTATING INNER CARD
========================= */

.loan-flip-inner {
  position: relative;

  width: 100%;
  height: 100%;
  min-height: 330px;

  transform-style: preserve-3d;

  transition:
    transform 0.75s cubic-bezier(
      0.2,
      0.75,
      0.25,
      1
    );
}


/* Flip on hover */
.loan-flip-card:hover .loan-flip-inner {
  transform: rotateY(180deg);
}


/* =========================
   COMMON FRONT + BACK
========================= */

.loan-flip-front,
.loan-flip-back {
  position: absolute;
  inset: 0;

  width: 100%;
  min-height: 330px;

  border-radius: 28px;

  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;

  overflow: hidden;
}


/* =========================
   FRONT SIDE
========================= */

.loan-flip-front {
  display: flex;
  flex-direction: column;

  padding: 28px;

  background:
    radial-gradient(
      circle at 100% 0%,
      rgba(214, 155, 60, 0.16) 0,
      rgba(214, 155, 60, 0.16) 70px,
      transparent 71px
    ),
    linear-gradient(
      145deg,
      #ffffff 0%,
      #fffdf9 55%,
      #fff9f0 100%
    );

  border:
    1px solid rgba(124, 31, 28, 0.13);

  box-shadow:
    0 20px 55px rgba(55, 25, 15, 0.09),
    0 4px 14px rgba(55, 25, 15, 0.04);
}


/* Premium top shine */
.loan-flip-front::before {
  content: "";

  position: absolute;

  top: 0;
  left: 12%;
  right: 12%;

  height: 1px;

  background: linear-gradient(
    90deg,
    transparent,
    rgba(214, 155, 60, 0.75),
    transparent
  );
}


/* Subtle inner glow */
.loan-flip-front::after {
  content: "";

  position: absolute;

  width: 130px;
  height: 130px;

  right: -55px;
  bottom: -65px;

  border-radius: 50%;

  background:
    rgba(124, 31, 28, 0.035);

  pointer-events: none;
}


/* =========================
   FRONT TOP ROW
========================= */

.loan-card-top {
  position: relative;
  z-index: 2;

  display: flex;
  align-items: flex-start;
  justify-content: space-between;

  margin-bottom: 40px;
}


/* =========================
   CARD NUMBER
========================= */

.loan-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;

  min-width: 34px;
  height: 28px;

  padding: 0 8px;

  border-radius: 999px;

  background:
    rgba(214, 155, 60, 0.11);

  border:
    1px solid rgba(214, 155, 60, 0.28);

  color: var(--maroon);

  font-size: 12px;
  font-weight: 900;

  letter-spacing: 0.08em;
}


/* =========================
   GOLD ICON
========================= */

.loan-icon {
  width: 48px;
  height: 48px;

  display: grid;
  place-items: center;

  border-radius: 16px;

  color: #d69b3c;

  background:
    linear-gradient(
      145deg,
      rgba(255, 250, 239, 0.96),
      rgba(248, 232, 200, 0.70)
    );

  border:
    1px solid rgba(214, 155, 60, 0.30);

  box-shadow:
    0 10px 24px rgba(214, 155, 60, 0.13);
}

.loan-icon svg {
  width: 25px;
  height: 25px;

  fill: none;
  stroke: currentColor;

  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}


/* =========================
   FRONT CONTENT
========================= */

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

.loan-category {
  display: block;

  margin-bottom: 10px;

  color: var(--maroon);

  font-size: 12px;
  font-weight: 900;

  letter-spacing: 0.10em;

  text-transform: uppercase;
}

.loan-front-content h3 {
  margin: 0;

  color: #211714;

  font-family:
    Manrope,
    Inter,
    sans-serif;

  font-size: clamp(
    23px,
    2vw,
    31px
  );

  line-height: 1.08;

  letter-spacing: -0.035em;
}


/* =========================
   EXPLORE DETAILS
========================= */

.loan-explore {
  position: relative;
  z-index: 2;

  display: flex;
  align-items: center;

  gap: 9px;

  margin-top: auto;
  padding-top: 28px;

  color: #9a5a14;

  font-size: 13px;
  font-weight: 850;
}

.loan-arrow {
  display: inline-flex;

  transition:
    transform 0.25s ease;
}

.loan-flip-card:hover .loan-arrow {
  transform: translateX(4px);
}


/* =========================
   BACK SIDE
========================= */

.loan-flip-back {
  display: flex;
  flex-direction: column;
  justify-content: space-between;

  padding: 28px;

  color: #ffffff;

  background:
    radial-gradient(
      circle at 100% 0%,
      rgba(214, 155, 60, 0.20),
      transparent 34%
    ),
    radial-gradient(
      circle at 0% 100%,
      rgba(214, 155, 60, 0.10),
      transparent 35%
    ),
    linear-gradient(
      145deg,
      #3a100f 0%,
      #741b1a 55%,
      #8f241f 100%
    );

  border:
    1px solid rgba(214, 155, 60, 0.35);

  box-shadow:
    0 24px 60px rgba(74, 20, 17, 0.24);

  transform: rotateY(180deg);
}


/* Gold decorative line */
.loan-flip-back::before {
  content: "";

  position: absolute;

  top: 0;
  left: 28px;
  right: 28px;

  height: 2px;

  background: linear-gradient(
    90deg,
    transparent,
    #d69b3c,
    transparent
  );
}


/* Decorative glow */
.loan-flip-back::after {
  content: "";

  position: absolute;

  width: 170px;
  height: 170px;

  right: -85px;
  bottom: -85px;

  border-radius: 50%;

  background:
    rgba(214, 155, 60, 0.11);

  pointer-events: none;
}


/* =========================
   BACK CONTENT
========================= */

.loan-back-label {
  position: relative;
  z-index: 2;

  display: block;

  margin-bottom: 10px;

  color: #f2c86f;

  font-size: 11px;
  font-weight: 900;

  letter-spacing: 0.10em;

  text-transform: uppercase;
}

.loan-flip-back h3 {
  position: relative;
  z-index: 2;

  margin: 0 0 14px;

  color: #ffffff;

  font-family:
    Manrope,
    Inter,
    sans-serif;

  font-size: 24px;

  line-height: 1.12;

  letter-spacing: -0.025em;
}

.loan-flip-back p {
  position: relative;
  z-index: 2;

  margin: 0;

  color: rgba(
    255,
    255,
    255,
    0.82
  );

  font-size: 14px;

  line-height: 1.65;
}


/* =========================
   ENQUIRE BUTTON
========================= */

.loan-enquire-btn {
  position: relative;
  z-index: 4;

  width: fit-content;

  display: inline-flex;
  align-items: center;
  justify-content: center;

  gap: 10px;

  margin-top: 22px;

  padding: 12px 18px;

  border-radius: 999px;

  color: #35130f;

  background:
    linear-gradient(
      135deg,
      #f7d78e,
      #d69b3c
    );

  box-shadow:
    0 12px 28px rgba(0, 0, 0, 0.16);

  font-size: 13px;
  font-weight: 900;

  transition:
    transform 0.22s ease,
    box-shadow 0.22s ease;
}

.loan-enquire-btn:hover {
  transform: translateY(-2px);

  box-shadow:
    0 16px 34px rgba(0, 0, 0, 0.22);
}

.loan-enquire-btn span {
  transition:
    transform 0.22s ease;
}

.loan-enquire-btn:hover span {
  transform: translateX(4px);
}


/* =========================
   PREMIUM HOVER LIFT
========================= */

.loan-flip-card {
  transition:
    transform 0.30s ease;
}

.loan-flip-card:hover {
  transform: translateY(-6px);
}


/* =========================
   RESPONSIVE - TABLET
========================= */

@media (max-width: 1100px) {
  .premium-loan-grid {
    grid-template-columns:
      repeat(2, minmax(0, 1fr));
  }
}


/* =========================
   RESPONSIVE - MOBILE
========================= */

@media (max-width: 620px) {
  .premium-loan-grid {
    grid-template-columns: 1fr;

    gap: 18px;
  }

  .loan-flip-card,
  .loan-flip-inner,
  .loan-flip-front,
  .loan-flip-back {
    min-height: 310px;
  }

  .loan-flip-front,
  .loan-flip-back {
    padding: 24px;
  }

  .loan-front-content h3 {
    font-size: 27px;
  }
}


/* =========================
   TOUCH DEVICE SUPPORT
========================= */

@media (hover: none) {
  .loan-flip-card:hover {
    transform: none;
  }

  .loan-flip-card:hover .loan-flip-inner {
    transform: none;
  }

  .loan-flip-card.is-flipped .loan-flip-inner {
    transform: rotateY(180deg);
  }
}


/* css new */
/* ==================================================
   FINAL FIX - PREMIUM LOAN FLIP CARD GRID
   PASTE AT VERY BOTTOM OF styles.css
================================================== */


/* =========================
   GRID FIX
========================= */

.loan-products.premium-loan-grid {
  width: 100% !important;

  display: grid !important;

  grid-template-columns:
    repeat(4, minmax(0, 1fr)) !important;

  gap: 24px !important;

  align-items: stretch !important;

  margin-top: 40px !important;
  margin-bottom: 100px !important;
}


/* =========================
   CARD WRAPPER FIX
========================= */

.loan-products.premium-loan-grid
.loan-flip-card {
  position: relative !important;

  width: 100% !important;
  max-width: none !important;

  min-width: 0 !important;
  min-height: 340px !important;

  perspective: 1400px !important;

  transition:
    transform 0.3s ease !important;
}


/* =========================
   INNER FLIP CARD FIX
========================= */

.loan-products.premium-loan-grid
.loan-flip-inner {
  position: relative !important;

  width: 100% !important;
  height: 340px !important;

  min-width: 0 !important;
  min-height: 340px !important;

  transform-style: preserve-3d !important;

  transition:
    transform 0.75s
    cubic-bezier(
      0.2,
      0.75,
      0.25,
      1
    ) !important;
}


/* =========================
   FRONT + BACK FIX
========================= */

.loan-products.premium-loan-grid
.loan-flip-front,

.loan-products.premium-loan-grid
.loan-flip-back {
  position: absolute !important;

  inset: 0 !important;

  width: 100% !important;
  height: 100% !important;

  min-width: 0 !important;
  min-height: 340px !important;

  box-sizing: border-box !important;

  border-radius: 26px !important;

  overflow: hidden !important;

  backface-visibility: hidden !important;
  -webkit-backface-visibility: hidden !important;
}


/* =========================
   FRONT CARD
========================= */

.loan-products.premium-loan-grid
.loan-flip-front {
  display: flex !important;

  flex-direction: column !important;

  padding: 28px !important;

  background:
    radial-gradient(
      circle at 100% 0%,
      rgba(214, 155, 60, 0.16) 0,
      rgba(214, 155, 60, 0.16) 72px,
      transparent 73px
    ),
    linear-gradient(
      145deg,
      #ffffff 0%,
      #fffdf9 55%,
      #fff9f0 100%
    ) !important;

  border:
    1px solid
    rgba(124, 31, 28, 0.14) !important;

  box-shadow:
    0 20px 55px
    rgba(55, 25, 15, 0.09) !important;
}


/* =========================
   BACK CARD
========================= */

.loan-products.premium-loan-grid
.loan-flip-back {
  display: flex !important;

  flex-direction: column !important;

  justify-content: space-between !important;

  padding: 28px !important;

  color: #ffffff !important;

  background:
    radial-gradient(
      circle at 100% 0%,
      rgba(214, 155, 60, 0.20),
      transparent 34%
    ),
    linear-gradient(
      145deg,
      #3a100f 0%,
      #741b1a 55%,
      #8f241f 100%
    ) !important;

  border:
    1px solid
    rgba(214, 155, 60, 0.35) !important;

  transform:
    rotateY(180deg) !important;
}


/* =========================
   FLIP EFFECT
========================= */

.loan-products.premium-loan-grid
.loan-flip-card:hover
.loan-flip-inner {
  transform:
    rotateY(180deg) !important;
}


/* =========================
   TOP ROW
========================= */

.loan-products.premium-loan-grid
.loan-card-top {
  position: relative !important;

  z-index: 2 !important;

  width: 100% !important;

  display: flex !important;

  align-items: flex-start !important;

  justify-content:
    space-between !important;

  margin-bottom: 38px !important;
}


/* =========================
   NUMBER
========================= */

.loan-products.premium-loan-grid
.loan-number {
  display: inline-flex !important;

  align-items: center !important;

  justify-content: center !important;

  width: auto !important;

  min-width: 38px !important;

  height: 30px !important;

  padding: 0 10px !important;

  border-radius: 999px !important;

  color: #7c1f1c !important;

  background:
    rgba(214, 155, 60, 0.11) !important;

  border:
    1px solid
    rgba(214, 155, 60, 0.30) !important;

  font-size: 12px !important;

  font-weight: 900 !important;
}


/* =========================
   ICON
========================= */

.loan-products.premium-loan-grid
.loan-icon {
  width: 48px !important;

  height: 48px !important;

  flex: 0 0 48px !important;

  display: grid !important;

  place-items: center !important;

  border-radius: 16px !important;

  color: #d69b3c !important;

  background:
    linear-gradient(
      145deg,
      #fffaf0,
      #f8e8c8
    ) !important;

  border:
    1px solid
    rgba(214, 155, 60, 0.30) !important;
}


/* =========================
   FRONT CONTENT
========================= */

.loan-products.premium-loan-grid
.loan-front-content {
  position: relative !important;

  z-index: 2 !important;

  width: 100% !important;

  min-width: 0 !important;
}


.loan-products.premium-loan-grid
.loan-category {
  display: block !important;

  width: 100% !important;

  margin-bottom: 10px !important;

  color: #7c1f1c !important;

  font-size: 12px !important;

  font-weight: 900 !important;

  line-height: 1.4 !important;

  letter-spacing: 0.08em !important;

  text-transform: uppercase !important;

  white-space: normal !important;

  overflow-wrap: normal !important;

  word-break: normal !important;
}


/* =========================
   FRONT TITLE FIX
========================= */

.loan-products.premium-loan-grid
.loan-front-content h3 {
  width: 100% !important;

  margin: 0 !important;

  color: #211714 !important;

  font-size: 27px !important;

  font-weight: 800 !important;

  line-height: 1.12 !important;

  letter-spacing: -0.03em !important;

  white-space: normal !important;

  overflow-wrap: normal !important;

  word-break: normal !important;
}


/* =========================
   EXPLORE DETAILS
========================= */

.loan-products.premium-loan-grid
.loan-explore {
  position: relative !important;

  z-index: 2 !important;

  width: 100% !important;

  display: flex !important;

  align-items: center !important;

  gap: 8px !important;

  margin-top: auto !important;

  padding-top: 24px !important;

  color: #9a5a14 !important;

  font-size: 13px !important;

  font-weight: 800 !important;

  white-space: nowrap !important;
}


/* =========================
   BACK TEXT FIX
========================= */

.loan-products.premium-loan-grid
.loan-flip-back h3 {
  margin:
    0 0 14px !important;

  color: #ffffff !important;

  font-size: 23px !important;

  line-height: 1.15 !important;

  white-space: normal !important;

  word-break: normal !important;
}


.loan-products.premium-loan-grid
.loan-flip-back p {
  margin: 0 !important;

  color:
    rgba(
      255,
      255,
      255,
      0.84
    ) !important;

  font-size: 14px !important;

  line-height: 1.6 !important;

  white-space: normal !important;

  word-break: normal !important;
}


/* =========================
   BUTTON FIX
========================= */

.loan-products.premium-loan-grid
.loan-enquire-btn {
  width: fit-content !important;

  display: inline-flex !important;

  align-items: center !important;

  justify-content: center !important;

  gap: 9px !important;

  padding:
    12px 18px !important;

  border-radius:
    999px !important;

  color:
    #35130f !important;

  background:
    linear-gradient(
      135deg,
      #f7d78e,
      #d69b3c
    ) !important;

  font-size:
    13px !important;

  font-weight:
    900 !important;

  text-decoration:
    none !important;

  white-space:
    nowrap !important;
}


/* =========================
   DESKTOP
========================= */

@media (min-width: 1201px) {

  .loan-products.premium-loan-grid {
    grid-template-columns:
      repeat(
        4,
        minmax(0, 1fr)
      ) !important;
  }

}


/* =========================
   SMALL DESKTOP / TABLET
========================= */

@media (
  min-width: 769px
) and (
  max-width: 1200px
) {

  .loan-products.premium-loan-grid {
    grid-template-columns:
      repeat(
        2,
        minmax(0, 1fr)
      ) !important;
  }

}


/* =========================
   MOBILE
========================= */

@media (max-width: 768px) {

  .loan-products.premium-loan-grid {
    grid-template-columns:
      1fr !important;

    gap:
      20px !important;
  }

  .loan-products.premium-loan-grid
  .loan-flip-card,

  .loan-products.premium-loan-grid
  .loan-flip-inner,

  .loan-products.premium-loan-grid
  .loan-flip-front,

  .loan-products.premium-loan-grid
  .loan-flip-back {
    min-height:
      320px !important;
  }

  .loan-products.premium-loan-grid
  .loan-flip-inner {
    height:
      320px !important;
  }

}


/* =========================
   VERY SMALL MOBILE
========================= */

@media (max-width: 480px) {

  .loan-products.premium-loan-grid
  .loan-flip-front,

  .loan-products.premium-loan-grid
  .loan-flip-back {
    padding:
      22px !important;
  }

  .loan-products.premium-loan-grid
  .loan-front-content h3 {
    font-size:
      25px !important;
  }

}
/* ==================================================
   FINAL CORRECTED PREMIUM LOAN FLIP CARD LAYOUT
   Added for corrected HTML structure:
   #products .premium-loan-grid
================================================== */

#products .premium-loan-grid {
  width: 100%;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
  align-items: stretch;
  margin-top: 36px;
  margin-bottom: 90px;
}

#products .loan-flip-card {
  position: relative;
  width: 100%;
  min-width: 0;
  height: 350px;
  perspective: 1400px;
  transition: transform 0.3s ease;
}

#products .loan-flip-card:hover {
  transform: translateY(-6px);
}

#products .loan-flip-inner {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 0;
  transform-style: preserve-3d;
  transition: transform 0.75s cubic-bezier(0.2, 0.75, 0.25, 1);
}

#products .loan-flip-card:hover .loan-flip-inner {
  transform: rotateY(180deg);
}

#products .loan-flip-front,
#products .loan-flip-back {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  min-height: 0;
  box-sizing: border-box;
  padding: 28px;
  border-radius: 28px;
  overflow: hidden;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
}

#products .loan-flip-front {
  display: flex;
  flex-direction: column;
  background:
    radial-gradient(
      circle at 100% 0%,
      rgba(214, 155, 60, 0.16) 0,
      rgba(214, 155, 60, 0.16) 72px,
      transparent 73px
    ),
    linear-gradient(
      145deg,
      #ffffff 0%,
      #fffdf9 55%,
      #fff9f0 100%
    );
  border: 1px solid rgba(124, 31, 28, 0.14);
  box-shadow:
    0 20px 55px rgba(55, 25, 15, 0.09),
    0 4px 14px rgba(55, 25, 15, 0.04);
}

#products .loan-card-top {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  width: 100%;
  margin-bottom: 38px;
}

#products .loan-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 38px;
  height: 30px;
  padding: 0 10px;
  border-radius: 999px;
  color: var(--maroon);
  background: rgba(214, 155, 60, 0.11);
  border: 1px solid rgba(214, 155, 60, 0.30);
  font-size: 12px;
  font-weight: 900;
}

#products .loan-icon {
  width: 48px;
  height: 48px;
  flex: 0 0 48px;
  display: grid;
  place-items: center;
  border-radius: 16px;
  color: #d69b3c;
  background: linear-gradient(145deg, #fffaf0, #f8e8c8);
  border: 1px solid rgba(214, 155, 60, 0.30);
  box-shadow: 0 10px 24px rgba(214, 155, 60, 0.13);
}

#products .loan-icon svg {
  width: 25px;
  height: 25px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

#products .loan-front-content {
  position: relative;
  z-index: 2;
  width: 100%;
  min-width: 0;
}

#products .loan-category {
  display: block;
  margin-bottom: 10px;
  color: var(--maroon);
  font-size: 12px;
  font-weight: 900;
  line-height: 1.4;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: normal;
  overflow-wrap: normal;
  word-break: normal;
}

#products .loan-front-content h3 {
  width: 100%;
  margin: 0;
  color: #211714;
  font-family: Manrope, Inter, sans-serif;
  font-size: 27px;
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -0.03em;
  white-space: normal;
  overflow-wrap: normal;
  word-break: normal;
}

#products .loan-explore {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 9px;
  margin-top: auto;
  padding-top: 24px;
  color: #9a5a14;
  font-size: 13px;
  font-weight: 850;
}

#products .loan-arrow {
  display: inline-flex;
  transition: transform 0.25s ease;
}

#products .loan-flip-card:hover .loan-arrow {
  transform: translateX(4px);
}

#products .loan-flip-back {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #ffffff;
  background:
    radial-gradient(
      circle at 100% 0%,
      rgba(214, 155, 60, 0.20),
      transparent 34%
    ),
    radial-gradient(
      circle at 0% 100%,
      rgba(214, 155, 60, 0.10),
      transparent 35%
    ),
    linear-gradient(
      145deg,
      #3a100f 0%,
      #741b1a 55%,
      #8f241f 100%
    );
  border: 1px solid rgba(214, 155, 60, 0.35);
  box-shadow: 0 24px 60px rgba(74, 20, 17, 0.24);
  transform: rotateY(180deg);
}

#products .loan-back-label {
  position: relative;
  z-index: 2;
  display: block;
  margin-bottom: 10px;
  color: #f2c86f;
  font-size: 11px;
  font-weight: 900;
  letter-spacing: 0.10em;
  text-transform: uppercase;
}

#products .loan-flip-back h3 {
  position: relative;
  z-index: 2;
  margin: 0 0 14px;
  color: #ffffff;
  font-size: 23px;
  line-height: 1.15;
  white-space: normal;
  word-break: normal;
}

#products .loan-flip-back p {
  position: relative;
  z-index: 2;
  margin: 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: 14px;
  line-height: 1.6;
  white-space: normal;
  word-break: normal;
}

#products .loan-enquire-btn {
  position: relative;
  z-index: 4;
  width: fit-content;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  margin-top: 20px;
  padding: 12px 18px;
  border-radius: 999px;
  color: #35130f;
  background: linear-gradient(135deg, #f7d78e, #d69b3c);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.16);
  font-size: 13px;
  font-weight: 900;
  text-decoration: none;
  white-space: nowrap;
}

@media (max-width: 1100px) {
  #products .premium-loan-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 620px) {
  #products .premium-loan-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  #products .loan-flip-card {
    height: 330px;
  }

  #products .loan-flip-front,
  #products .loan-flip-back {
    padding: 24px;
  }

  #products .loan-front-content h3 {
    font-size: 26px;
  }
}

@media (hover: none) {
  #products .loan-flip-card:hover {
    transform: none;
  }

  #products .loan-flip-card:hover .loan-flip-inner {
    transform: none;
  }

  #products .loan-flip-card.is-flipped .loan-flip-inner {
    transform: rotateY(180deg);
  }

}



/* ===== Card action row (two buttons side by side) ===== */
.card-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.card-actions .btn{margin-top:0}
.btn-outline{background:#fff;color:var(--maroon);border:1.5px solid rgba(124,31,28,.35);box-shadow:none}
.btn-outline:hover{background:#fff8f0;border-color:var(--maroon)}
.btn-outline .ti{margin-right:2px}

/* ===== Sign-in gate modal ===== */
.modal-overlay{position:fixed;inset:0;background:rgba(24,12,8,.55);backdrop-filter:blur(4px);display:none;align-items:center;justify-content:center;z-index:200;padding:20px}
.modal-overlay.open{display:flex}
.modal-box{background:#fff;border-radius:28px;max-width:420px;width:100%;padding:32px;box-shadow:0 30px 80px rgba(24,12,8,.35);position:relative;animation:modalIn .22s ease;max-height:88vh;overflow-y:auto}
@keyframes modalIn{from{opacity:0;transform:translateY(10px) scale(.98)}to{opacity:1;transform:translateY(0) scale(1)}}
.modal-close{position:absolute;top:16px;right:16px;border:0;background:#f5ece5;color:var(--maroon);width:34px;height:34px;border-radius:50%;font-size:16px;cursor:pointer;display:grid;place-items:center}
.modal-close:hover{background:#efe0d3}
.modal-box h3{margin:0 0 6px;font-size:22px;letter-spacing:-.02em}
.modal-box .modal-sub{color:var(--muted);font-size:14px;margin:0 0 22px}
.modal-box .field{margin-bottom:14px}
.modal-box .field label{display:block;font-size:13px;font-weight:800;color:#4b3b35;margin-bottom:7px}
.modal-box .field input{width:100%;padding:13px 14px;border:1px solid #e4d3c7;border-radius:15px;background:#fffaf6;color:var(--ink);outline:none;box-sizing:border-box}
.modal-box .field input:focus{border-color:var(--gold)}
.modal-box .btn{width:100%;margin-top:6px}
.modal-note{font-size:12px;color:var(--muted);text-align:center;margin-top:14px}
.modal-success{display:none;text-align:center;padding:8px 0}
.modal-success.show{display:block}
.modal-success .ti{font-size:44px;color:#2f8a4e;margin-bottom:12px;display:block}
.modal-success p{color:var(--muted);margin:6px 0 20px}

.center-content{max-width:880px;margin:0 auto;text-align:center}
.center-content .section-title{font-size:42px;line-height:1.15}
.center-content .section-title small{display:block;text-align:center;font-size:15px;margin-bottom:10px}
.center-content .section-kicker{font-size:19px;line-height:1.6;max-width:720px;margin:16px auto 0}
.center-content ul{text-align:left;display:inline-block;margin:28px auto 0;font-size:18px;line-height:1.6}
.center-content ul li{margin-bottom:10px}

#faqs .section-title{display:inline-block;position:relative;padding-bottom:14px}
#faqs .section-title:after{content:"";position:absolute;left:0;bottom:0;width:86px;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--maroon),var(--gold))}

.navlinks a.active{color:var(--maroon);font-weight:800;position:relative}
.navlinks a.active:after{content:"";position:absolute;left:0;right:0;bottom:-19px;height:3px;border-radius:3px;background:linear-gradient(90deg,var(--maroon),var(--gold))}

@media(max-width:620px){
.philosophy-card{padding:22px 18px;border-radius:20px}
.philosophy-card .section-head{display:block}
.philosophy-card .section-kicker{max-width:100%;margin-top:12px}
.center-content .section-title{font-size:28px}
.center-content .section-kicker{font-size:16px}
.center-content ul{font-size:15px}
.loan-flip-card{height:auto;min-height:250px}
.loan-flip-inner{position:relative;height:100%}
.card-actions{flex-direction:column;align-items:stretch}
.card-actions .btn{width:100%;text-align:center}
.modal-box{padding:24px 20px}
}
@media(max-width:768px){
.loan-flip-card:hover .loan-flip-inner{transform:none}
.loan-flip-card.is-flipped .loan-flip-inner{transform:rotateY(180deg)}
}

@media(max-width:620px){
.philosophy-card{padding:22px 18px;border-radius:20px}
.philosophy-card .section-head{display:block}
.philosophy-card .section-kicker{max-width:100%;margin-top:12px}
.center-content .section-title{font-size:28px}
.center-content .section-kicker{font-size:16px}
.center-content ul{font-size:15px}
.loan-flip-card{height:auto;min-height:250px}
.loan-flip-inner{position:relative;height:100%}
.card-actions{flex-direction:column;align-items:stretch}
.card-actions .btn{width:100%;text-align:center}
.modal-box{padding:24px 20px}
}
@media(max-width:768px){
.loan-flip-card:hover .loan-flip-inner{transform:none}
.loan-flip-card.is-flipped .loan-flip-inner{transform:rotateY(180deg)}
}

.btn-login{display:inline-flex;align-items:center;gap:6px;background:#fff;color:var(--maroon);border:1.5px solid rgba(124,31,28,.3);border-radius:999px;padding:9px 16px;font-weight:800;font-size:14px;cursor:pointer}
.btn-login:hover{border-color:var(--maroon);background:#fff8f0}

.auth-tabs{display:flex;gap:8px;margin-bottom:22px;background:#f5ece5;border-radius:999px;padding:4px}
.auth-tab{flex:1;text-align:center;padding:10px;border-radius:999px;font-weight:800;font-size:14px;color:#7c6a63;cursor:pointer;border:0;background:transparent}
.auth-tab.active{background:#fff;color:var(--maroon);box-shadow:0 1px 4px rgba(0,0,0,.08)}
.auth-panel{display:none}
.auth-panel.active{display:block}
.auth-role{display:flex;gap:10px;margin-bottom:14px}
.auth-role label{flex:1;border:1px solid #e4d3c7;border-radius:15px;padding:11px;text-align:center;font-size:13px;font-weight:800;color:#6e625e;cursor:pointer}
.auth-role input{display:none}
.auth-role label:has(input:checked){border-color:var(--maroon);background:#fff6ea;color:var(--maroon)}
.auth-forgot{display:block;text-align:right;font-size:12px;color:var(--maroon);font-weight:700;margin:-6px 0 14px}

.timeline .step ul{margin:6px 0 0;padding-left:18px;color:var(--muted)}
.timeline .step ul li{margin-bottom:4px;line-height:1.5}

/* ===== Six shifts — redesigned cards ===== */
.shift-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.shift-card{position:relative;background:var(--white);border:1px solid rgba(124,31,28,.10);border-radius:24px;padding:30px 26px 28px;box-shadow:0 14px 40px rgba(44,22,13,.05);overflow:hidden;transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease}
.shift-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--maroon),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .32s ease}
.shift-card:hover{transform:translateY(-7px);box-shadow:0 28px 60px rgba(44,22,13,.14);border-color:rgba(214,155,60,.5)}
.shift-card:hover:before{transform:scaleX(1)}
.shift-icon{width:50px;height:50px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold-soft),#fff);color:var(--maroon);margin-bottom:20px;transition:background .28s ease,transform .28s ease}
.shift-icon svg{width:24px;height:24px}
.shift-card:hover .shift-icon{background:linear-gradient(135deg,var(--maroon),var(--maroon-2));color:#fff;transform:scale(1.08)}
.shift-card h3{margin:0 0 10px;font-size:21px;letter-spacing:-.02em;color:var(--ink)}
.shift-card p{margin:0;color:var(--muted)}
@media(max-width:900px){.shift-grid{grid-template-columns:1fr}}

.btn-stacked{flex-direction:column;line-height:1.2;padding:8px 22px;gap:1px}
.btn-stacked .btn-main{font-size:14px;font-weight:800}
.btn-stacked .btn-sub{font-size:10px;font-weight:600;opacity:.85;text-transform:none;letter-spacing:0}

.bank-pnb-main,
.bank-bom {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 2px;
  font-size: 15px;
  line-height: 1.3;
}

.bank-pnb-main span,
.bank-bom span {
  display: block;
  width: 100%;
}

.shastra-gold{
  position:relative;
  display:inline-block;
  color:var(--maroon);
  font-weight:900;
  letter-spacing:.01em;
  padding:2px 10px;
  background:linear-gradient(180deg,transparent 58%,rgba(124,31,28,.14) 58%);
  border-radius:4px;
}
@keyframes shastraShine{
  0%{background-position:0% center}
  100%{background-position:200% center}
}

.nav-cta .btn,
.nav-cta .btn-login,
.nav-cta [data-open-auth],
.nav-cta button {
  background: linear-gradient(135deg, var(--maroon), var(--maroon-2)) !important;
  color: #fff !important;
  border: 0 !important;
  box-shadow: 0 10px 22px rgba(124,31,28,.2) !important;
  padding: 9px 18px !important;
  font-size: 13px !important;
  white-space: nowrap !important;
  border-radius: 999px !important;
}

.nav-cta .btn:hover,
.nav-cta .btn-login:hover,
.nav-cta [data-open-auth]:hover,
.nav-cta button:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 30px rgba(124,31,28,.26);
}

.nav-cta .btn-sub {
  color: #fff !important;
  opacity: .8;
}


/* ==========================================
   LEADERSHIP TEAM — director cards
=========================================== */
/* ==========================================
   LEADERSHIP TEAM — director cards
=========================================== */
.leader-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.leader-card{background:var(--white);border:1px solid rgba(124,31,28,.10);border-radius:26px;overflow:hidden;box-shadow:0 18px 50px rgba(44,22,13,.07);transition:transform .28s ease,box-shadow .28s ease}
.leader-card:hover{transform:translateY(-8px);box-shadow:0 30px 70px rgba(44,22,13,.16)}
.leader-photo{position:relative;height:300px;display:flex;align-items:flex-end;justify-content:center;overflow:hidden;background:#ffffff;border-bottom:1px solid var(--line)}
.leader-photo{position:relative;height:320px;overflow:hidden;background:#ffffff}
.leader-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:top center}
.leader-tag{position:absolute;z-index:2;top:16px;left:16px;background:var(--maroon);color:#fff;font-weight:800;font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;padding:6px 13px;border-radius:999px;box-shadow:0 6px 14px rgba(124,31,28,.25)}
.leader-body{padding:24px 26px 28px}
.leader-body h3{margin:0 0 4px;font-size:21px;letter-spacing:-.02em}
.leader-role{color:var(--maroon);font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:.05em;margin:0 0 14px;padding-bottom:14px;border-bottom:1px solid var(--line)}
.leader-body p.leader-bio{color:var(--muted);margin:0;font-size:14.5px;line-height:1.65}
@media (max-width:860px){
  .leader-grid{grid-template-columns:1fr}
}