/* =====================================================================
   FinRight Solutions Pvt. Ltd. — Design System
   Built on Bootstrap 5.3 + Bootstrap Icons
   Brand palette: Deep Navy + Warm Cream + Gold accent (from logo)
   Finance Made Simple, Decisions Made Right.
   ===================================================================== */

/* ----------------------------- Tokens ----------------------------- */
:root {
  /* Brand palette — navy + cream + gold */
  --fr-ink: #0e2340;          /* deep navy (logo) — dark sections & headings */
  --fr-ink-2: #14335a;
  --fr-navy-soft: #1c3f6b;
  --fr-primary: #1b4a82;      /* navy-blue — primary brand action */
  --fr-primary-d: #143a66;
  --fr-primary-l: #3f7cb8;
  --fr-teal: #205a92;
  --fr-gold: #d9a53c;         /* premium gold accent (from logo mark) */
  --fr-gold-l: #ecc766;       /* light gold — accents on dark */
  --fr-sky: #4a7fbf;          /* steel-blue secondary accent */

  /* Neutrals — warm cream family */
  --fr-body: #46516b;         /* body text */
  --fr-muted: #6d7793;
  --fr-line: #e7e1d4;         /* warm hairline */
  --fr-bg: #ffffff;
  --fr-bg-soft: #f8f2e6;      /* warm cream (logo bg) */
  --fr-bg-soft2: #f4f0e7;     /* soft warm neutral */
  --fr-bg-cream: #faf4e8;

  /* Effects */
  --fr-grad: linear-gradient(135deg, #1b4a82 0%, #205a92 55%, #2a66a2 100%);
  --fr-grad-ink: linear-gradient(150deg, #0e2340 0%, #14335a 55%, #1a3f6b 100%);
  --fr-grad-gold: linear-gradient(135deg, #e6bd57, #c78f2a);
  --fr-shadow-sm: 0 4px 14px rgba(14, 35, 64, .06);
  --fr-shadow: 0 18px 45px -18px rgba(14, 35, 64, .2);
  --fr-shadow-lg: 0 40px 80px -30px rgba(14, 35, 64, .34);
  --fr-shadow-brand: 0 18px 40px -12px rgba(27, 74, 130, .42);
  --fr-radius: 18px;
  --fr-radius-lg: 28px;
  --fr-radius-pill: 100px;
  --fr-trans: .35s cubic-bezier(.22, 1, .36, 1);

  /* Bootstrap overrides */
  --bs-body-color: var(--fr-body);
  --bs-body-font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --bs-primary: #1b4a82;
  --bs-primary-rgb: 27, 74, 130;
  --bs-border-color: var(--fr-line);
}

/* ----------------------------- Base ------------------------------- */
* { scroll-behavior: smooth; }

body {
  font-family: var(--bs-body-font-family);
  color: var(--fr-body);
  background: var(--fr-bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6, .display-1, .display-2, .display-3, .display-4 {
  font-family: "Plus Jakarta Sans", var(--bs-body-font-family);
  color: var(--fr-ink);
  font-weight: 800;
  letter-spacing: -.02em;
  line-height: 1.12;
}

p { line-height: 1.75; }
a { text-decoration: none; transition: color var(--fr-trans); }

::selection { background: rgba(27, 74, 130, .18); color: var(--fr-ink); }

.container { max-width: 1200px; }

/* Section rhythm */
.section { padding: 96px 0; position: relative; }
.section-sm { padding: 64px 0; }
@media (max-width: 768px) { .section { padding: 64px 0; } }

/* Backgrounds */
.bg-soft { background: var(--fr-bg-soft); }
.bg-soft-blue { background: var(--fr-bg-soft2); }
.bg-cream { background: var(--fr-bg-cream); }
.bg-ink { background: var(--fr-ink); color: rgba(255, 255, 255, .82); }
.bg-ink h1, .bg-ink h2, .bg-ink h3, .bg-ink h4, .bg-ink h5, .bg-ink h6 { color: #fff; }
.bg-grad-ink { background: var(--fr-grad-ink); color: rgba(255, 255, 255, .82); }
.bg-grad-ink h1, .bg-grad-ink h2, .bg-grad-ink h3, .bg-grad-ink h4 { color: #fff; }

/* ----------------------------- Helpers ---------------------------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--fr-primary-d);
  background: rgba(27, 74, 130, .1);
  padding: .45rem .9rem;
  border-radius: var(--fr-radius-pill);
  margin-bottom: 1.1rem;
}
.bg-ink .eyebrow, .bg-grad-ink .eyebrow, .page-hero .eyebrow {
  color: #ecc766;
  background: rgba(255, 255, 255, .1);
}
.eyebrow i { font-size: .95rem; }

.text-gradient {
  background: var(--fr-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.text-gradient-gold {
  background: var(--fr-grad-gold);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.text-primary-brand { color: var(--fr-primary-d) !important; }
.text-muted-2 { color: var(--fr-muted) !important; }
.fw-extra { font-weight: 800; }
.lead-lg { font-size: 1.18rem; color: var(--fr-muted); line-height: 1.8; }

.section-head { max-width: 720px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.9rem, 3.4vw, 2.85rem); margin-bottom: 1rem; }

.divider-grad { height: 4px; width: 64px; border-radius: 4px; background: var(--fr-grad); }

/* ----------------------------- Buttons ---------------------------- */
.btn {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  border-radius: var(--fr-radius-pill);
  padding: .8rem 1.6rem;
  letter-spacing: -.01em;
  transition: transform var(--fr-trans), box-shadow var(--fr-trans), background var(--fr-trans), color var(--fr-trans);
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  border: 0;
}
.btn:active { transform: translateY(1px); }
.btn-lg { padding: 1rem 2rem; font-size: 1.02rem; }
.btn-sm { padding: .55rem 1.15rem; font-size: .85rem; }

.btn-brand {
  background: var(--fr-grad);
  color: #fff;
  box-shadow: var(--fr-shadow-brand);
}
.btn-brand:hover { color: #fff; transform: translateY(-3px); box-shadow: 0 26px 50px -14px rgba(27, 74, 130, .55); }

.btn-ink { background: var(--fr-ink); color: #fff; }
.btn-ink:hover { background: var(--fr-ink-2); color: #fff; transform: translateY(-3px); box-shadow: var(--fr-shadow); }

.btn-gold { background: var(--fr-grad-gold); color: #3a2c05; }
.btn-gold:hover { color: #3a2c05; transform: translateY(-3px); box-shadow: 0 20px 40px -14px rgba(244, 183, 64, .6); }

.btn-outline-brand {
  background: transparent;
  color: var(--fr-primary-d);
  box-shadow: inset 0 0 0 2px rgba(27, 74, 130, .35);
}
.btn-outline-brand:hover { background: rgba(27, 74, 130, .08); color: var(--fr-primary-d); transform: translateY(-3px); }

.btn-light-ghost {
  background: rgba(255, 255, 255, .1);
  color: #fff;
  box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .35);
  backdrop-filter: blur(6px);
}
.btn-light-ghost:hover { background: rgba(255, 255, 255, .2); color: #fff; transform: translateY(-3px); }

.btn-white { background: #fff; color: var(--fr-ink); }
.btn-white:hover { color: var(--fr-primary-d); transform: translateY(-3px); box-shadow: var(--fr-shadow); }

.btn-text {
  background: none; padding: .4rem 0; color: var(--fr-primary-d);
}
.btn-text:hover { color: var(--fr-primary-d); gap: .8rem; }
.btn-text i { transition: transform var(--fr-trans); }
.btn-text:hover i { transform: translateX(4px); }

/* ----------------------------- Navbar ----------------------------- */
.navbar {
  padding: 1.1rem 0;
  transition: padding var(--fr-trans), background var(--fr-trans), box-shadow var(--fr-trans);
  background: transparent;
}
.navbar.scrolled {
  padding: .55rem 0;
  background: rgba(255, 255, 255, .85);
  backdrop-filter: saturate(180%) blur(14px);
  box-shadow: 0 8px 30px -16px rgba(14, 35, 64, .2);
}
/* Solid navbar variant for inner pages with light hero */
.navbar.navbar-solid {
  background: rgba(255, 255, 255, .88);
  backdrop-filter: saturate(180%) blur(14px);
  box-shadow: 0 6px 24px -18px rgba(14, 35, 64, .25);
}

/* Navbar over a DARK hero (inner pages): light text until scrolled.
   Once .scrolled (white bg) is applied, it reverts to the default dark text. */
.navbar.navbar-on-dark:not(.scrolled) .brand__name { color: #fff; }
.navbar.navbar-on-dark:not(.scrolled) .brand__name b { color: #ecc766; }
.navbar.navbar-on-dark:not(.scrolled) .brand__sub { color: rgba(255, 255, 255, .6); }
.navbar.navbar-on-dark:not(.scrolled) .navbar-toggler i { color: #fff; }
@media (min-width: 992px) {
  .navbar.navbar-on-dark:not(.scrolled) .nav-link { color: #fff !important; }
  .navbar.navbar-on-dark:not(.scrolled) .nav-link:hover,
  .navbar.navbar-on-dark:not(.scrolled) .nav-link.active { color: #ecc766 !important; }
  .navbar.navbar-on-dark:not(.scrolled) .nav-link.active::after { background: #ecc766; }
  .navbar.navbar-on-dark:not(.scrolled) .btn-outline-brand {
    color: #fff; box-shadow: inset 0 0 0 2px rgba(255, 255, 255, .45);
  }
  .navbar.navbar-on-dark:not(.scrolled) .btn-outline-brand:hover {
    background: rgba(255, 255, 255, .14); color: #fff;
  }
}

.brand { display: inline-flex; align-items: center; gap: .65rem; }
.brand__mark {
  width: 42px; height: 42px;
  display: grid; place-items: center;
  border-radius: 13px;
  background: var(--fr-grad);
  color: #fff;
  box-shadow: var(--fr-shadow-brand);
  flex: none;
}
.brand__mark svg { width: 24px; height: 24px; }
.brand__mark img.brand__img { height: 26px; width: auto; display: block; }
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800; font-size: 1.28rem; color: var(--fr-ink); letter-spacing: -.02em;
}
.brand__name b { color: var(--fr-primary-d); font-weight: 800; }
.brand__sub { font-size: .62rem; letter-spacing: .22em; text-transform: uppercase; color: var(--fr-muted); margin-top: 3px; font-weight: 600; }

.navbar .nav-link {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 600;
  color: var(--fr-ink) !important;
  font-size: .96rem;
  padding: .5rem .9rem !important;
  border-radius: 10px;
  position: relative;
  transition: color var(--fr-trans);
}
.navbar .nav-link:hover, .navbar .nav-link.active { color: var(--fr-primary-d) !important; }
.navbar .nav-link.active::after {
  content: ""; position: absolute; left: .9rem; right: .9rem; bottom: .2rem; height: 2.5px;
  border-radius: 3px; background: var(--fr-grad);
}
.dropdown-menu {
  border: 1px solid var(--fr-line);
  border-radius: 16px;
  box-shadow: var(--fr-shadow);
  padding: .6rem;
  margin-top: .6rem !important;
}
.dropdown-item {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 600; font-size: .92rem; color: var(--fr-ink);
  border-radius: 10px; padding: .6rem .8rem;
  display: flex; align-items: center; gap: .65rem;
}
.dropdown-item i { color: var(--fr-primary); font-size: 1.05rem; }
.dropdown-item:hover, .dropdown-item:focus { background: var(--fr-bg-soft); color: var(--fr-primary-d); }
.navbar-toggler { border: 0; padding: .35rem; }
.navbar-toggler:focus { box-shadow: none; }
.navbar-toggler i { font-size: 1.7rem; color: var(--fr-ink); }

@media (max-width: 991.98px) {
  .navbar-collapse {
    background: #fff; margin-top: 1rem; padding: 1rem; border-radius: 18px;
    box-shadow: var(--fr-shadow); border: 1px solid var(--fr-line);
  }
  .navbar .nav-link.active::after { display: none; }
  .navbar .navbar-nav { gap: .15rem; }
}

/* ----------------------------- Hero ------------------------------- */
.hero {
  position: relative;
  padding: 170px 0 110px;
  background:
    radial-gradient(60% 70% at 85% 8%, rgba(27, 74, 130, .12), transparent 60%),
    radial-gradient(50% 60% at 8% 20%, rgba(74, 127, 191, .08), transparent 60%),
    var(--fr-bg-soft);
  overflow: hidden;
}
.hero__blob {
  position: absolute; border-radius: 50%; filter: blur(60px); opacity: .55; z-index: 0;
}
.hero h1 { font-size: clamp(2.3rem, 5.2vw, 4rem); margin-bottom: 1.2rem; }
.hero .lead { font-size: 1.18rem; color: var(--fr-muted); max-width: 560px; }

/* Trust row */
.trust-row { display: flex; flex-wrap: wrap; gap: 1.5rem 2.2rem; }
.trust-item { display: flex; align-items: center; gap: .6rem; font-weight: 600; color: var(--fr-ink); font-size: .92rem; }
.trust-item i { color: var(--fr-primary); font-size: 1.3rem; }

/* Hero stat strip */
.hero-stats { display: flex; gap: 2rem; flex-wrap: wrap; }
.hero-stats .num { font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; font-size: 1.9rem; color: var(--fr-ink); }
.hero-stats .lbl { font-size: .82rem; color: var(--fr-muted); font-weight: 600; }

/* ------------------ Hero composed visual (CSS mock) --------------- */
.hero-visual { position: relative; min-height: 460px; }
.float-card {
  position: absolute;
  background: #fff;
  border-radius: 20px;
  box-shadow: var(--fr-shadow);
  border: 1px solid var(--fr-line);
  padding: 1rem 1.15rem;
}
.float-card .ic {
  width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center;
  font-size: 1.3rem; color: #fff; flex: none;
}

/* Credit-card mockup */
.cc-mock {
  width: 366px; max-width: 92%;
  aspect-ratio: 1.586 / 1;
  border-radius: 24px;
  background:
    radial-gradient(130% 120% at 110% -10%, rgba(27, 74, 130, .6), transparent 52%),
    radial-gradient(120% 120% at -10% 120%, rgba(74, 127, 191, .35), transparent 55%),
    var(--fr-grad-ink);
  color: #fff;
  padding: 1.5rem 1.6rem;
  position: relative;
  overflow: hidden;
  box-shadow: var(--fr-shadow-lg), inset 0 1px 0 rgba(255, 255, 255, .18), inset 0 0 70px rgba(255, 255, 255, .03);
  display: flex; flex-direction: column; justify-content: space-between;
}
/* fine guilloche-style texture */
.cc-mock::before {
  content: ""; position: absolute; inset: 0; z-index: 0; opacity: .6; pointer-events: none;
  background-image:
    repeating-linear-gradient(115deg, rgba(255, 255, 255, .035) 0 1.5px, transparent 1.5px 8px),
    repeating-linear-gradient(60deg, rgba(255, 255, 255, .02) 0 1.5px, transparent 1.5px 11px);
}
/* soft glass highlight sweep */
.cc-mock::after {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(135deg, rgba(255, 255, 255, .14) 0%, transparent 30%);
}
.cc-mock > * { position: relative; z-index: 1; }

.cc-chip-wrap { display: flex; align-items: center; gap: .55rem; }
.cc-chip { width: 50px; height: 40px; display: block; filter: drop-shadow(0 1px 1px rgba(0, 0, 0, .25)); }
.cc-contactless { width: 18px; height: 22px; color: rgba(255, 255, 255, .62); display: block; }
.cc-brandbox { display: flex; flex-direction: column; align-items: flex-end; line-height: 1; }
.cc-brandbox .brand__name { font-size: 1.12rem; }
.cc-tier { font-size: .58rem; letter-spacing: .34em; color: #ecc766; font-weight: 700; margin-top: 5px; padding-right: 1px; }
.cc-num {
  font-family: "Plus Jakarta Sans", sans-serif; letter-spacing: .14em; font-size: 1.26rem; font-weight: 700;
  text-shadow: 0 1px 2px rgba(0, 0, 0, .4); display: flex; gap: .55rem;
}
.cc-meta { display: flex; justify-content: space-between; font-size: .72rem; opacity: .82; flex: 1; }
.cc-meta .cc-cap { font-size: .6rem; letter-spacing: .14em; text-transform: uppercase; opacity: .7; }
.cc-meta b { letter-spacing: .03em; font-weight: 700; }
.cc-bottom { display: flex; align-items: flex-end; gap: 1rem; margin-top: .4rem; }
.cc-network { display: flex; align-items: center; flex: none; }
.cc-network i { font-size: 1.7rem; line-height: 1; }
.cc-network i:first-child { color: rgba(244, 183, 64, .92); }
.cc-network i:last-child { color: rgba(255, 255, 255, .5); margin-left: -13px; }
.cc-mock .cc-sheen {
  position: absolute; top: 0; left: -65%; width: 45%; height: 100%; z-index: 2; pointer-events: none;
  background: linear-gradient(100deg, transparent, rgba(255, 255, 255, .16), transparent);
  transform: skewX(-18deg); animation: sheen 5.5s ease-in-out infinite;
}
@keyframes sheen { 0%, 55% { left: -65%; } 100% { left: 135%; } }

/* Card finishes + stacked fan (Credit Cards hero) */
.cc-mock.cc-emerald {
  background:
    radial-gradient(130% 120% at 110% -10%, rgba(236, 199, 102, .5), transparent 50%),
    linear-gradient(155deg, #2a66a2, #17427a 55%, #10395f);
}
.cc-mock.cc-gold {
  background:
    radial-gradient(130% 120% at 110% -10%, rgba(255, 255, 255, .4), transparent 48%),
    linear-gradient(155deg, #e8cb7d, #c79a3a 55%, #8d6a22);
}
.card-stack { position: relative; min-height: 410px; }
.card-stack .cc-mock { position: absolute; }
.card-stack .card-back-2 { top: 0; right: 56px; transform: rotate(-11deg); z-index: 1; opacity: .96; }
.card-stack .card-back-1 { top: 36px; right: 30px; transform: rotate(-5.5deg); z-index: 2; }
.card-stack .card-front { top: 74px; right: 0; z-index: 3; }
.card-stack .float-card { position: absolute; z-index: 4; }
.card-stack .cc-mock-mini { display: flex; align-items: flex-start; justify-content: space-between; }
.card-stack .cc-mock-mini .brand__name { font-size: 1.05rem; }

/* Light dot-grid for dark page heroes */
.page-hero__dots {
  position: absolute; inset: 0; z-index: 0; pointer-events: none; opacity: .55;
  background-image: radial-gradient(rgba(255, 255, 255, .06) 1px, transparent 1px);
  background-size: 28px 28px;
  -webkit-mask-image: radial-gradient(80% 70% at 72% 32%, #000, transparent 74%);
  mask-image: radial-gradient(80% 70% at 72% 32%, #000, transparent 74%);
}

/* Hero dot-grid backdrop */
.hero__grid {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image: radial-gradient(rgba(14, 35, 64, .07) 1px, transparent 1px);
  background-size: 26px 26px;
  -webkit-mask-image: radial-gradient(72% 60% at 50% 38%, #000, transparent 76%);
  mask-image: radial-gradient(72% 60% at 50% 38%, #000, transparent 76%);
}

/* Hero social proof */
.social-proof { display: flex; align-items: center; gap: .85rem; flex-wrap: wrap; }
.avatar-stack { display: flex; }
.avatar-stack span {
  width: 40px; height: 40px; border-radius: 50%; border: 2.5px solid #fff;
  display: grid; place-items: center; color: #fff; font-weight: 800; font-size: .8rem;
  font-family: "Plus Jakarta Sans", sans-serif; margin-left: -12px; box-shadow: var(--fr-shadow-sm);
}
.avatar-stack span:first-child { margin-left: 0; }
.social-proof .sp-text { font-size: .9rem; color: var(--fr-muted); line-height: 1.35; }
.social-proof .sp-text b { color: var(--fr-ink); font-weight: 800; }
.social-proof .sp-stars { color: var(--fr-gold); font-size: .82rem; letter-spacing: 1px; }

/* Scroll cue */
.scroll-cue {
  position: absolute; left: 50%; bottom: 24px; transform: translateX(-50%); z-index: 1;
  display: flex; flex-direction: column; align-items: center; gap: .4rem; color: var(--fr-muted);
}
.scroll-cue .mouse { width: 23px; height: 37px; border: 2px solid rgba(107, 120, 148, .5); border-radius: 12px; position: relative; }
.scroll-cue .mouse::before {
  content: ""; position: absolute; left: 50%; top: 7px; width: 4px; height: 7px; border-radius: 3px;
  background: var(--fr-primary); transform: translateX(-50%); animation: scrolly 1.8s ease-in-out infinite;
}
.scroll-cue span { font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 700; opacity: .55; }
@keyframes scrolly { 0% { top: 7px; opacity: 1; } 100% { top: 21px; opacity: 0; } }
@media (max-width: 991.98px) { .scroll-cue { display: none; } }

@media (max-width: 991.98px) { .hero-visual { min-height: 380px; margin-top: 2rem; } }

/* ----------------------------- Cards ------------------------------ */
.card-soft {
  background: #fff;
  border: 1px solid var(--fr-line);
  border-radius: var(--fr-radius);
  padding: 2rem 1.8rem;
  height: 100%;
  transition: transform var(--fr-trans), box-shadow var(--fr-trans), border-color var(--fr-trans);
  position: relative;
  overflow: hidden;
}
.card-soft:hover { transform: translateY(-8px); box-shadow: var(--fr-shadow); border-color: transparent; }

.icon-tile {
  width: 60px; height: 60px;
  border-radius: 16px;
  display: grid; place-items: center;
  font-size: 1.6rem;
  margin-bottom: 1.3rem;
  background: rgba(27, 74, 130, .1);
  color: var(--fr-primary-d);
  transition: transform var(--fr-trans);
}
.card-soft:hover .icon-tile { transform: scale(1.08) rotate(-4deg); }
.icon-tile.alt { background: rgba(74, 127, 191, .1); color: var(--fr-sky); }
.icon-tile.gold { background: rgba(244, 183, 64, .14); color: #c9890a; }
.icon-tile.ink { background: rgba(14, 35, 64, .07); color: var(--fr-ink); }
.icon-tile.solid { background: var(--fr-grad); color: #fff; box-shadow: var(--fr-shadow-brand); }

.card-soft h3, .card-soft h4, .card-soft h5 { margin-bottom: .6rem; font-size: 1.25rem; }
.card-soft p { color: var(--fr-muted); margin-bottom: 0; font-size: .98rem; }

/* Service card with footer link */
.service-card { display: flex; flex-direction: column; }
.service-card .tags { display: flex; flex-wrap: wrap; gap: .4rem; margin: 1rem 0 1.2rem; }
.tag {
  font-size: .76rem; font-weight: 600; color: var(--fr-primary-d);
  background: rgba(27, 74, 130, .09); padding: .28rem .7rem; border-radius: 100px;
}
.service-card .btn-text { margin-top: auto; }
.service-card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; transform: scaleX(0);
  transform-origin: left; background: var(--fr-grad); transition: transform var(--fr-trans);
}
.service-card:hover::before { transform: scaleX(1); }

/* Value / mini cards */
.value-card { display: flex; gap: 1rem; align-items: flex-start; }
.value-card .ic {
  flex: none; width: 48px; height: 48px; border-radius: 13px; display: grid; place-items: center;
  background: rgba(27, 74, 130, .1); color: var(--fr-primary-d); font-size: 1.3rem;
}
.value-card h5 { font-size: 1.08rem; margin-bottom: .35rem; }
.value-card p { color: var(--fr-muted); font-size: .92rem; margin: 0; }

/* Bento */
.bento { display: grid; grid-template-columns: repeat(12, 1fr); gap: 1.2rem; }
.bento > div { border-radius: var(--fr-radius); padding: 1.8rem; }
@media (max-width: 768px) { .bento { grid-template-columns: repeat(6, 1fr); } }

/* ----------------------------- Stats band ------------------------- */
.stat-band { background: var(--fr-grad-ink); border-radius: var(--fr-radius-lg); padding: 3rem 2rem; position: relative; overflow: hidden; }
.stat-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(60% 120% at 100% 0%, rgba(27, 74, 130, .35), transparent 55%);
}
.stat-band .stat { position: relative; text-align: center; color: #fff; }
.stat .num { font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; font-size: clamp(2rem, 4vw, 3rem); line-height: 1; }
.stat .num span { color: #ecc766; }
.stat .lbl { margin-top: .6rem; font-size: .92rem; opacity: .78; }

/* ----------------------------- Process steps ---------------------- */
.steps { position: relative; }
.step {
  position: relative; padding: 1.9rem 1.6rem; background: #fff;
  border: 1px solid var(--fr-line); border-radius: var(--fr-radius); height: 100%;
  transition: transform var(--fr-trans), box-shadow var(--fr-trans);
}
.step:hover { transform: translateY(-6px); box-shadow: var(--fr-shadow); }
.step__no {
  font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; font-size: 1rem;
  width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center;
  background: var(--fr-grad); color: #fff; margin-bottom: 1.1rem; box-shadow: var(--fr-shadow-brand);
}
.step h5 { font-size: 1.12rem; margin-bottom: .45rem; }
.step p { color: var(--fr-muted); font-size: .92rem; margin: 0; }

/* Vertical timeline (process pages) */
.timeline { position: relative; padding-left: 0; list-style: none; margin: 0; }
.timeline::before {
  content: ""; position: absolute; left: 27px; top: 8px; bottom: 8px; width: 2px;
  background: linear-gradient(var(--fr-primary), rgba(27, 74, 130, .15));
}
.timeline li { position: relative; padding: 0 0 2.2rem 5rem; }
.timeline li:last-child { padding-bottom: 0; }
.timeline .dot {
  position: absolute; left: 0; top: 0; width: 56px; height: 56px; border-radius: 16px;
  background: #fff; border: 1px solid var(--fr-line); display: grid; place-items: center;
  font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; color: var(--fr-primary-d);
  box-shadow: var(--fr-shadow-sm); font-size: 1.05rem; z-index: 1;
}
.timeline h5 { margin-bottom: .35rem; font-size: 1.15rem; }
.timeline p { color: var(--fr-muted); margin: 0; }

/* ----------------------------- Checklist -------------------------- */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 2rem; margin-bottom: .9rem; color: var(--fr-body); font-weight: 500; }
.check-list li::before {
  content: "\F26E"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: -1px;
  color: var(--fr-primary); font-size: 1.15rem;
}
.check-list.light li { color: rgba(255, 255, 255, .85); }
.check-list.light li::before { color: #ecc766; }
.check-grid { columns: 2; column-gap: 2rem; }
@media (max-width: 576px) { .check-grid { columns: 1; } }

/* ----------------------------- Testimonials ----------------------- */
.quote-card {
  background: #fff; border: 1px solid var(--fr-line); border-radius: var(--fr-radius);
  padding: 2rem; height: 100%; position: relative;
}
.quote-card .stars { color: var(--fr-gold); margin-bottom: .8rem; font-size: 1rem; }
.quote-card p { color: var(--fr-ink); font-size: 1.02rem; }
.quote-card .who { display: flex; align-items: center; gap: .8rem; margin-top: 1.2rem; }
.avatar {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; color: #fff; flex: none;
}
.who h6 { margin: 0; font-size: .95rem; }
.who span { font-size: .82rem; color: var(--fr-muted); }

/* ----------------------------- CTA band --------------------------- */
.cta-band {
  background: var(--fr-grad-ink); border-radius: var(--fr-radius-lg); padding: 3.5rem;
  position: relative; overflow: hidden; text-align: center;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(70% 120% at 0% 0%, rgba(27, 74, 130, .4), transparent 55%),
              radial-gradient(70% 120% at 100% 100%, rgba(74, 127, 191, .3), transparent 55%);
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
@media (max-width: 576px) { .cta-band { padding: 2.2rem 1.4rem; } }

/* ----------------------------- FAQ -------------------------------- */
.accordion-item { border: 1px solid var(--fr-line); border-radius: var(--fr-radius) !important; margin-bottom: 1rem; overflow: hidden; }
.accordion-button {
  font-family: "Plus Jakarta Sans", sans-serif; font-weight: 700; color: var(--fr-ink);
  padding: 1.25rem 1.4rem; font-size: 1.05rem; background: #fff;
}
.accordion-button:not(.collapsed) { background: var(--fr-bg-soft); color: var(--fr-primary-d); box-shadow: none; }
.accordion-button:focus { box-shadow: none; border-color: var(--fr-line); }
.accordion-button::after {
  background-image: none; content: "\F64D"; font-family: "bootstrap-icons";
  width: auto; height: auto; font-size: 1.05rem; transition: transform var(--fr-trans);
}
.accordion-body { color: var(--fr-muted); padding: 0 1.4rem 1.35rem; line-height: 1.75; }

/* ----------------------------- Forms ------------------------------ */
.form-card {
  background: #fff; border: 1px solid var(--fr-line); border-radius: var(--fr-radius-lg);
  padding: 2.5rem; box-shadow: var(--fr-shadow);
}
.form-label { font-family: "Plus Jakarta Sans", sans-serif; font-weight: 600; color: var(--fr-ink); font-size: .9rem; margin-bottom: .4rem; }
.form-control, .form-select {
  border: 1.5px solid var(--fr-line); border-radius: 12px; padding: .8rem 1rem;
  font-size: .95rem; color: var(--fr-ink); transition: border-color var(--fr-trans), box-shadow var(--fr-trans);
}
.form-control:focus, .form-select:focus { border-color: var(--fr-primary); box-shadow: 0 0 0 4px rgba(27, 74, 130, .12); }
.form-control::placeholder { color: #9aa6bd; }
.input-icon { position: relative; }
.input-icon i { position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); color: var(--fr-muted); }
.input-icon .form-control { padding-left: 2.7rem; }
.form-note { font-size: .82rem; color: var(--fr-muted); }
.form-check-input:checked { background-color: var(--fr-primary); border-color: var(--fr-primary); }
.form-success {
  display: none; align-items: center; gap: .8rem; background: rgba(27, 74, 130, .1);
  color: var(--fr-primary-d); border-radius: 14px; padding: 1rem 1.2rem; font-weight: 600;
}
.form-success.show { display: flex; }

/* ----------------------------- Page hero (inner) ------------------ */
.page-hero {
  position: relative; padding: 150px 0 70px; overflow: hidden;
  background:
    radial-gradient(55% 80% at 90% 0%, rgba(27, 74, 130, .16), transparent 60%),
    var(--fr-grad-ink);
  color: rgba(255, 255, 255, .82);
}
.page-hero h1 { color: #fff; font-size: clamp(2.1rem, 4.4vw, 3.2rem); }
.page-hero p { color: rgba(255, 255, 255, .75); max-width: 640px; }
.breadcrumb { --bs-breadcrumb-divider-color: rgba(255, 255, 255, .4); margin: 0; }
.breadcrumb a { color: rgba(255, 255, 255, .7); font-weight: 600; font-size: .88rem; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb .active { color: #ecc766; font-weight: 600; font-size: .88rem; }
.breadcrumb-item + .breadcrumb-item::before { color: rgba(255, 255, 255, .4); }

/* ----------------------------- Legal / prose ---------------------- */
.prose { color: var(--fr-body); font-size: 1rem; }
.prose h2 { font-size: 1.5rem; margin: 2.4rem 0 1rem; padding-top: .4rem; }
.prose h3 { font-size: 1.18rem; margin: 1.8rem 0 .8rem; }
.prose p { margin-bottom: 1rem; color: var(--fr-body); }
.prose ul { padding-left: 0; list-style: none; margin-bottom: 1.2rem; }
.prose ul li { position: relative; padding-left: 1.7rem; margin-bottom: .6rem; }
.prose ul li::before { content: "\F287"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: 0; color: var(--fr-primary); }
.prose a { color: var(--fr-primary-d); font-weight: 600; }
.legal-toc {
  position: sticky; top: 100px; background: #fff; border: 1px solid var(--fr-line);
  border-radius: var(--fr-radius); padding: 1.4rem;
}
.legal-toc h6 { font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: var(--fr-muted); }
.legal-toc a { display: block; color: var(--fr-body); font-weight: 600; font-size: .9rem; padding: .4rem 0; border-radius: 8px; }
.legal-toc a:hover { color: var(--fr-primary-d); padding-left: .4rem; }

/* ----------------------------- Logo cloud / marquee --------------- */
.partner-strip { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 2.5rem; opacity: .85; }
.partner-strip span {
  font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; font-size: 1.15rem;
  color: var(--fr-muted); display: inline-flex; align-items: center; gap: .5rem;
}
.partner-strip i { color: var(--fr-primary); }

/* ----------------------------- Footer ----------------------------- */
.footer {
  background: var(--fr-ink);
  color: rgba(255, 255, 255, .68);
  position: relative;
  overflow: hidden;
  border-top: 3px solid transparent;
  border-image: var(--fr-grad) 1;
}
.footer::before {
  content: ""; position: absolute; top: -160px; right: -120px; width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(27, 74, 130, .22), transparent 68%); filter: blur(10px); pointer-events: none;
}
.footer .container { position: relative; z-index: 1; }
.footer-main { padding: 72px 0 56px; }
.footer .brand { margin-bottom: 1.25rem; }
.footer .brand__name { color: #fff; }
.footer .brand__sub { color: rgba(255, 255, 255, .45); }
.footer-about { color: rgba(255, 255, 255, .58); font-size: .95rem; line-height: 1.75; max-width: 330px; margin-bottom: 1.5rem; }

.footer h6 {
  color: #fff; font-family: "Plus Jakarta Sans", sans-serif; font-size: .8rem;
  letter-spacing: .13em; text-transform: uppercase; margin-bottom: 1.25rem;
  display: inline-flex; align-items: center; gap: .5rem;
}
.footer h6::before { content: ""; width: 16px; height: 2px; border-radius: 2px; background: var(--fr-primary-l); }

.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .62rem; }
.footer-links a { color: rgba(255, 255, 255, .62); font-size: .93rem; font-weight: 500; display: inline-flex; align-items: center; gap: .45rem; }
.footer-links a i { font-size: .68rem; color: var(--fr-primary-l); opacity: 0; transform: translateX(-6px); transition: all var(--fr-trans); }
.footer-links a:hover { color: #fff; }
.footer-links a:hover i { opacity: 1; transform: translateX(0); }

.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { display: flex; gap: .65rem; margin-bottom: .9rem; font-size: .92rem; color: rgba(255, 255, 255, .66); line-height: 1.55; }
.footer-contact li:last-child { margin-bottom: 0; }
.footer-contact i { color: var(--fr-primary-l); font-size: 1.05rem; margin-top: 2px; flex: none; }
.footer-contact a { color: rgba(255, 255, 255, .66); }
.footer-contact a:hover { color: #fff; }

.social-btns { display: flex; gap: .55rem; flex-wrap: wrap; }
.social-btns a {
  width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center;
  background: rgba(255, 255, 255, .07); color: #fff; font-size: 1rem;
  border: 1px solid rgba(255, 255, 255, .08); transition: all var(--fr-trans);
}
.social-btns a:hover { background: var(--fr-grad); border-color: transparent; transform: translateY(-3px); box-shadow: var(--fr-shadow-brand); }

.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .09); padding: 22px 0 28px; }
.footer-bottom__row { display: flex; align-items: center; justify-content: space-between; gap: .6rem 1.5rem; flex-wrap: wrap; }
.footer-copy { margin: 0; font-size: .86rem; color: rgba(255, 255, 255, .55); }
.footer-tag {
  margin: 0; font-size: .86rem; font-weight: 600; font-family: "Plus Jakarta Sans", sans-serif;
  color: rgba(255, 255, 255, .72); display: inline-flex; align-items: center; gap: .5rem;
}
.footer-tag::before { content: "\F586"; font-family: "bootstrap-icons"; color: var(--fr-primary-l); font-weight: normal; }
.footer-disclaimer { font-size: .79rem; color: rgba(255, 255, 255, .4); line-height: 1.7; margin: 18px 0 0; padding-top: 16px; border-top: 1px solid rgba(255, 255, 255, .06); }
.footer-disclaimer strong { color: rgba(255, 255, 255, .6); }
@media (max-width: 767.98px) {
  .footer-main { padding: 56px 0 44px; }
  .footer-bottom__row { justify-content: flex-start; }
}

.newsletter .form-control {
  background: rgba(255, 255, 255, .07); border-color: rgba(255, 255, 255, .14); color: #fff; border-radius: 100px;
}
.newsletter .form-control::placeholder { color: rgba(255, 255, 255, .45); }
.newsletter .form-control:focus { background: rgba(255, 255, 255, .12); box-shadow: none; border-color: var(--fr-primary); }

/* ----------------------------- EMI calculator --------------------- */
.calc-card { background: #fff; border: 1px solid var(--fr-line); border-radius: var(--fr-radius-lg); padding: 2.2rem; box-shadow: var(--fr-shadow); }
.calc-result { background: var(--fr-grad-ink); border-radius: var(--fr-radius); padding: 1.8rem; color: #fff; text-align: center; }
.calc-result .emi { font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; font-size: 2.4rem; line-height: 1; }
.calc-result .emi small { font-size: 1rem; font-weight: 600; opacity: .8; }
.range-wrap output { font-family: "Plus Jakarta Sans", sans-serif; font-weight: 800; color: var(--fr-primary-d); }
input[type=range] { accent-color: var(--fr-primary); }

/* ----------------------------- Back to top ------------------------ */
.to-top {
  position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 14px;
  background: var(--fr-grad); color: #fff; display: grid; place-items: center; font-size: 1.3rem;
  box-shadow: var(--fr-shadow-brand); opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: all var(--fr-trans); z-index: 1030; border: 0;
}
.to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.to-top:hover { transform: translateY(-3px); }

/* Floating WhatsApp button */
.wa-float {
  position: fixed; right: 22px; bottom: 80px; width: 54px; height: 54px; border-radius: 50%;
  background: #25d366; color: #fff; display: grid; place-items: center; font-size: 1.7rem;
  box-shadow: 0 12px 30px -6px rgba(37, 211, 102, .55); z-index: 1031;
  transition: transform var(--fr-trans), box-shadow var(--fr-trans);
}
.wa-float::after {
  content: ""; position: absolute; inset: 0; border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(37, 211, 102, .5); animation: pulse 2.6s infinite;
}
.wa-float:hover { color: #fff; transform: scale(1.08); box-shadow: 0 16px 36px -6px rgba(37, 211, 102, .7); }

/* ----------------------------- Reveal animations ------------------ */
[data-reveal] { opacity: 0; transform: translateY(28px); transition: opacity .7s ease, transform .7s cubic-bezier(.22, 1, .36, 1); }
[data-reveal].in { opacity: 1; transform: none; }
[data-reveal][data-delay="1"] { transition-delay: .08s; }
[data-reveal][data-delay="2"] { transition-delay: .16s; }
[data-reveal][data-delay="3"] { transition-delay: .24s; }
[data-reveal][data-delay="4"] { transition-delay: .32s; }
[data-reveal][data-delay="5"] { transition-delay: .4s; }
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  .floaty { animation: none !important; }
}

/* Float animation */
.floaty { animation: floaty 6s ease-in-out infinite; }
.floaty.d1 { animation-delay: -2s; }
.floaty.d2 { animation-delay: -4s; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }

/* Subtle pulse ring */
.pulse-ring { position: relative; }
.pulse-ring::after {
  content: ""; position: absolute; inset: -6px; border-radius: inherit;
  box-shadow: 0 0 0 0 rgba(27, 74, 130, .45); animation: pulse 2.6s infinite;
}
@keyframes pulse { 70% { box-shadow: 0 0 0 16px rgba(27, 74, 130, 0); } 100% { box-shadow: 0 0 0 0 rgba(27, 74, 130, 0); } }

/* Marquee */
.marquee { overflow: hidden; }
.marquee__track { display: flex; gap: 3rem; width: max-content; animation: marquee 28s linear infinite; }
.marquee:hover .marquee__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* Utility */
.rounded-xl { border-radius: var(--fr-radius) !important; }
.rounded-2xl { border-radius: var(--fr-radius-lg) !important; }
.shadow-soft { box-shadow: var(--fr-shadow) !important; }
.list-reset { list-style: none; padding: 0; margin: 0; }
.ratio-card { border-radius: var(--fr-radius-lg); overflow: hidden; }