/* =========================================================
   PRATEEK FINSERVE — Axis Bank–inspired layout
   Brand: logo red + cyan on clean white / soft pink hero
   ========================================================= */
:root {
  --maroon: #C41E3A;
  --maroon-deep: #9B1830;
  --maroon-dark: #6B1020;
  --cyan: #00B4E6;
  --pink-soft: #FDF2F5;
  --pink-mid: #F8E4EA;
  --lavender: #F5F0F7;
  --white: #FFFFFF;
  --off: #F7F7F8;
  --text: #2B2B2B;
  --text-soft: #666666;
  --border: #E5E5E5;
  --shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 10px 40px rgba(0, 0, 0, 0.12);
  --radius: 8px;
  --container: 1180px;
  --font: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.5;
  padding-bottom: calc(64px + env(safe-area-inset-bottom, 0px));
}

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

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

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

ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

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

/* ---------- MAIN HEADER ---------- */
.header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  gap: 20px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.logo img {
  height: 48px;
  width: 48px;
  border-radius: 50%;
  object-fit: cover;
  background: #000;
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-text b {
  display: block;
  font-size: 15px;
  font-weight: 700;
  color: var(--maroon);
  letter-spacing: 0.02em;
  line-height: 1.2;
}

.logo-text span {
  font-size: 11px;
  color: var(--text-soft);
}

.nav-main {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}

.nav-main>li {
  position: relative;
}

.nav-main>li>a,
.nav-main>li>button {
  display: block;
  padding: 10px 14px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--text);
  background: none;
  border: none;
  cursor: pointer;
  white-space: nowrap;
}

.nav-main>li>a:hover,
.nav-main>li>button:hover,
.nav-main>li>a.active {
  color: var(--maroon);
}

.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 230px;
  background: #fff;
  box-shadow: var(--shadow-lg);
  border-radius: var(--radius);
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: 0.2s ease;
  z-index: 50;
}

.nav-main>li:hover .dropdown,
.nav-main>li:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: none;
}

.dropdown a {
  display: block;
  padding: 10px 18px;
  font-size: 14px;
  color: var(--text);
}

.dropdown a:hover {
  background: var(--pink-soft);
  color: var(--maroon);
}

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

.btn-login {
  background: var(--maroon);
  color: #fff;
  padding: 10px 22px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  text-transform: uppercase;
}

.btn-login:hover {
  background: var(--maroon-deep);
}

.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 24px;
  cursor: pointer;
  color: var(--text);
}

/* ---------- SUB NAV ---------- */
.sub-nav {
  background: var(--off);
  border-bottom: 1px solid var(--border);
}

.sub-nav-inner {
  display: flex;
  gap: 8px;
  overflow-x: auto;
  padding: 0;
}

.sub-nav a {
  padding: 12px 16px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  white-space: nowrap;
  border-bottom: 2px solid transparent;
}

.sub-nav a:hover,
.sub-nav a.active {
  color: var(--maroon);
  border-bottom-color: var(--maroon);
}

/* ---------- HERO — full-bleed photo with soft blend ---------- */
.hero {
  --hero-veil: rgba(255, 255, 255, 0.96);
  --hero-veil-mid: rgba(255, 255, 255, 0.78);
  --hero-veil-edge: rgba(255, 255, 255, 0.1);
  position: relative;
  overflow: hidden;
  padding: 0;
  background: #fff;
}

.hero[data-theme="msme"] {
  --hero-veil: rgba(255, 255, 255, 0.96);
  --hero-veil-mid: rgba(248, 252, 254, 0.82);
}

.hero[data-theme="cgtmse"] {
  --hero-veil: rgba(255, 255, 255, 0.96);
  --hero-veil-mid: rgba(248, 252, 250, 0.82);
}

.hero[data-theme="lic"] {
  --hero-veil: rgba(255, 255, 255, 0.96);
  --hero-veil-mid: rgba(252, 246, 248, 0.82);
}

.hero-slider {
  position: relative;
}

.hero-slides {
  position: relative;
  min-height: 520px;
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.55s ease, visibility 0.55s;
  pointer-events: none;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.hero-slide.is-active {
  position: relative;
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.hero-slide-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  border-radius: 0;
  box-shadow: none;
  aspect-ratio: auto;
  background: #2a1518;
}

.hero-slide-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center right;
  display: block;
  transform: scale(1.04);
  transition: transform 6.5s ease-out;
}

.hero-slide.is-active .hero-slide-media img {
  transform: scale(1);
}

/* Soft left-to-right veil + bottom fade into white foot (quick links) */
.hero-slide-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      105deg,
      var(--hero-veil) 0%,
      var(--hero-veil) 34%,
      var(--hero-veil-mid) 52%,
      transparent 78%
    ),
    linear-gradient(
      180deg,
      transparent 0%,
      transparent 58%,
      rgba(255, 255, 255, 0.55) 82%,
      #fff 100%
    );
  pointer-events: none;
}

.hero-slide-content {
  position: relative;
  z-index: 1;
  width: 100%;
  padding: 56px 0 96px;
  text-align: left;
}

.hero-slide-copy {
  max-width: 560px;
  min-width: 0;
}

.hero-eyebrow {
  display: inline-block;
  margin: 0 0 14px;
  padding: 6px 12px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--maroon);
  background: rgba(255, 255, 255, 0.82);
  border-radius: 999px;
  border: 1px solid rgba(196, 30, 58, 0.15);
  backdrop-filter: blur(6px);
}

.hero[data-theme="msme"] .hero-eyebrow {
  color: #0a6a86;
  border-color: rgba(0, 140, 180, 0.25);
}

.hero[data-theme="cgtmse"] .hero-eyebrow {
  color: #0d5c3d;
  border-color: rgba(13, 92, 61, 0.25);
}

.hero h1 {
  font-size: clamp(28px, 3.8vw, 42px);
  font-weight: 700;
  color: var(--maroon);
  margin: 0 0 14px;
  line-height: 1.18;
}

.hero[data-theme="msme"] h1 {
  color: #0a4f66;
}

.hero[data-theme="cgtmse"] h1 {
  color: #0d5c3d;
}

.hero .hero-sub {
  font-size: 15px;
  color: var(--text-soft);
  margin: 0 0 22px;
  max-width: 520px;
  line-height: 1.55;
}

.hero-slide .finder {
  width: 100%;
  margin-top: 4px;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.65);
}

.hero-points {
  list-style: none;
  margin: 0 0 24px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  max-width: 520px;
}

.hero-points li {
  position: relative;
  padding-left: 18px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
}

.hero-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--maroon);
}

.hero[data-theme="msme"] .hero-points li::before {
  background: #0a8caf;
}

.hero[data-theme="cgtmse"] .hero-points li::before {
  background: #0d5c3d;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: flex-start;
  margin-bottom: 4px;
}

.hero-slider-controls {
  position: absolute;
  left: 50%;
  bottom: 28px;
  transform: translateX(-50%);
  z-index: 3;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(8px);
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.08);
}

.hero-inner {
  position: relative;
  z-index: 2;
  margin-top: 0;
  padding: 8px 0 40px;
  text-align: center;
  background: #fff;
}

@media (max-width: 900px) {
  .hero-slides {
    min-height: 0;
  }

  .hero-slide-media img {
    object-position: center center;
  }

  .hero-slide-media::after {
    background:
      linear-gradient(
        180deg,
        var(--hero-veil) 0%,
        var(--hero-veil-mid) 38%,
        rgba(255, 255, 255, 0.7) 68%,
        #fff 100%
      );
  }

  .hero-slide-content {
    padding: 40px 0 100px;
    text-align: center;
  }

  .hero-slide-copy {
    max-width: 100%;
    margin: 0 auto;
  }

  .hero h1,
  .hero .hero-sub,
  .hero-points {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-points {
    align-items: flex-start;
    text-align: left;
  }

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

  .hero-inner {
    margin-top: 0;
    padding-top: 4px;
  }
}

.hero-arrow {
  width: 40px;
  height: 40px;
  padding: 0;
  margin: 0;
  border-radius: 50%;
  border: 1px solid var(--border);
  background: #fff;
  color: var(--maroon);
  cursor: pointer;
  display: inline-grid;
  place-items: center;
  line-height: 0;
  flex-shrink: 0;
  box-sizing: border-box;
  appearance: none;
  -webkit-appearance: none;
  transition: background 0.2s, box-shadow 0.2s;
}

.hero-arrow svg {
  display: block;
  width: 14px;
  height: 14px;
  margin: 0;
  flex-shrink: 0;
}

.hero-arrow:hover {
  background: var(--pink-soft);
  box-shadow: var(--shadow);
}

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

.hero-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: none;
  padding: 0;
  background: rgba(196, 30, 58, 0.25);
  cursor: pointer;
  transition: transform 0.2s, background 0.2s, width 0.2s;
}

.hero-dot[aria-selected="true"] {
  background: var(--maroon);
  width: 26px;
  border-radius: 999px;
}

@media (prefers-reduced-motion: reduce) {
  .hero-slide {
    transition: none;
  }
}

/* Product finder card */
.finder {
  background: #fff;
  border-radius: 12px;
  box-shadow: var(--shadow-lg);
  max-width: 900px;
  margin: 0 auto;
  overflow: hidden;
  text-align: left;
}

.finder-tabs {
  display: flex;
  border-bottom: 1px solid var(--border);
  overflow-x: auto;
  background: var(--off);
}

.finder-tab {
  flex: 1;
  min-width: 100px;
  padding: 14px 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  white-space: nowrap;
}

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

.finder-body {
  padding: 28px 24px;
}

.finder-fields {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 16px;
  align-items: end;
}

.finder-field label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-soft);
  margin-bottom: 8px;
}

.finder-field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 14px;
  color: var(--text);
  background: #fff;
  appearance: auto;
}

.btn-maroon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--maroon);
  color: #fff;
  border: none;
  border-radius: 4px;
  padding: 13px 28px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.2s;
  white-space: nowrap;
}

.btn-maroon:hover {
  background: var(--maroon-deep);
}

.btn-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  color: var(--maroon);
  border: none;
  border-radius: 4px;
  padding: 12px 24px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
}

.btn-white:hover {
  background: var(--pink-soft);
}

.btn-outline-maroon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: var(--maroon);
  border: 1.5px solid var(--maroon);
  border-radius: 4px;
  padding: 11px 22px;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

/* ---------- QUICK LINKS ---------- */
.quick-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1.4fr;
  gap: 20px;
  margin-top: 36px;
  align-items: stretch;
}

.quick-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  transition: transform 0.2s;
}

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

.quick-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--pink-soft);
  color: var(--maroon);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}

.quick-item span {
  font-size: 14px;
  font-weight: 700;
  color: var(--maroon);
}

.quick-promo {
  background: linear-gradient(135deg, var(--maroon), var(--maroon-deep));
  color: #fff;
  border-radius: var(--radius);
  padding: 18px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  box-shadow: var(--shadow);
}

.quick-promo p {
  margin: 0;
  font-size: 14px;
  font-weight: 600;
  line-height: 1.4;
}

.quick-promo .btn-white {
  padding: 8px 16px;
  font-size: 12px;
}

/* ---------- SECTION HEADS ---------- */
.section {
  padding: 72px 0;
}

.section-alt {
  background: var(--off);
}

.section-maroon {
  background: var(--maroon);
  color: #fff;
}

.section-head {
  margin-bottom: 36px;
}

.section-head h2 {
  font-size: clamp(26px, 3.2vw, 36px);
  font-weight: 700;
  color: var(--text);
  margin: 0 0 10px;
  line-height: 1.25;
}

.section-head h2 em {
  font-style: normal;
  color: var(--maroon);
}

.section-maroon .section-head h2,
.section-maroon .section-head h2 em {
  color: #fff;
}

.section-head p {
  margin: 0;
  font-size: 16px;
  color: var(--text-soft);
  max-width: 560px;
}

.section-maroon .section-head p {
  color: rgba(255, 255, 255, 0.85);
}

.section-head.center {
  text-align: center;
}

.section-head.center p {
  margin-left: auto;
  margin-right: auto;
}

/* ---------- PRODUCT BLOCK (image + CTA bar) ---------- */
.product-block {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
  margin-bottom: 28px;
}

.product-block.reverse {
  direction: rtl;
}

.product-block.reverse>* {
  direction: ltr;
}

.product-visual {
  border-radius: 12px;
  overflow: hidden;
  min-height: 300px;
  background: var(--pink-mid);
  position: relative;
}

.product-visual img {
  width: 100%;
  height: 100%;
  min-height: 300px;
  object-fit: cover;
  display: block;
}

.product-visual-caption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 18px 20px;
  background: linear-gradient(transparent, rgba(0, 0, 0, 0.65));
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.product-copy h3 {
  font-size: 28px;
  margin: 0 0 12px;
  color: var(--text);
}

.product-copy p {
  font-size: 15px;
  color: var(--text-soft);
  margin: 0 0 20px;
  line-height: 1.65;
}

/* Maroon CTA bar under products — Axis signature */
.cta-bar {
  background: var(--maroon);
  border-radius: 8px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
}

.cta-bar a {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 22px 12px;
  color: #fff;
  text-align: center;
  font-size: 13px;
  font-weight: 600;
  border-right: 1px solid rgba(255, 255, 255, 0.18);
  transition: background 0.2s;
}

.cta-bar a:last-child {
  border-right: none;
}

.cta-bar a:hover {
  background: rgba(0, 0, 0, 0.12);
}

.cta-bar .cta-icon {
  width: 42px;
  height: 42px;
  border: 1.5px solid rgba(255, 255, 255, 0.45);
  border-radius: 50%;
  display: inline-grid;
  place-items: center;
  color: #fff;
  flex-shrink: 0;
  box-sizing: border-box;
}

.cta-bar .cta-icon svg {
  width: 20px;
  height: 20px;
  display: block;
}

.cta-bar.three {
  grid-template-columns: repeat(3, 1fr);
}

.cta-bar.five {
  grid-template-columns: repeat(5, 1fr);
}

/* ---------- WHY / FEATURE STRIP ---------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 36px 28px;
  max-width: 980px;
  margin: 0 auto;
}

/* Balanced 3 + 2: top row spans pairs, bottom row centered */
.why-grid .why-item:nth-child(1) { grid-column: 1 / 3; }
.why-grid .why-item:nth-child(2) { grid-column: 3 / 5; }
.why-grid .why-item:nth-child(3) { grid-column: 5 / 7; }
.why-grid .why-item:nth-child(4) { grid-column: 2 / 4; }
.why-grid .why-item:nth-child(5) { grid-column: 4 / 6; }

.why-item {
  text-align: center;
  padding: 4px 8px;
}

.why-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  border-radius: 50%;
  border: 1.5px solid rgba(196, 30, 58, 0.22);
  background: rgba(196, 30, 58, 0.06);
  color: var(--maroon);
  display: grid;
  place-items: center;
}

.why-icon .ico {
  width: 24px;
  height: 24px;
}

.why-item h3 {
  margin: 0 0 8px;
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
}

.why-item p {
  margin: 0;
  font-size: 13.5px;
  color: var(--text-soft);
  line-height: 1.55;
}

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

.feature-card {
  text-align: center;
  padding: 12px 16px;
}

.feature-card .icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  border-radius: 50%;
  border: 1.5px solid rgba(196, 30, 58, 0.22);
  background: rgba(196, 30, 58, 0.06);
  color: var(--maroon);
  display: grid;
  place-items: center;
  font-size: 0;
}

.feature-card h3 {
  margin: 0 0 8px;
  font-size: 16px;
  color: var(--text);
}

.feature-card p {
  margin: 0;
  font-size: 13px;
  color: var(--text-soft);
  line-height: 1.55;
}

/* ---------- EMI CALCULATOR ---------- */
.emi-layout {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 40px;
  align-items: stretch;
}

.emi-aside {
  display: flex;
  flex-direction: column;
  gap: 24px;
  min-width: 0;
}

.emi-aside-media {
  border-radius: 12px;
  overflow: hidden;
  background: var(--pink-mid, #f7e8ec);
  aspect-ratio: 4 / 3;
}

.emi-aside-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.emi-aside-copy h2 {
  margin: 0 0 10px;
  font-size: clamp(24px, 2.8vw, 32px);
  font-weight: 700;
  color: var(--text);
  line-height: 1.25;
}

.emi-aside-copy h2 em {
  font-style: normal;
  color: var(--maroon);
}

.emi-aside-copy > p {
  margin: 0 0 18px;
  font-size: 15px;
  color: var(--text-soft);
  line-height: 1.55;
  max-width: 42ch;
}

.emi-points {
  list-style: none;
  margin: 0 0 20px;
  padding: 0;
  display: grid;
  gap: 12px;
}

.emi-points li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  line-height: 1.4;
}

.emi-points .ico {
  width: 18px;
  height: 18px;
  margin-top: 1px;
  color: var(--maroon);
  flex-shrink: 0;
}

.emi-aside-call {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 700;
  color: var(--maroon);
  text-decoration: none;
}

.emi-aside-call:hover {
  text-decoration: underline;
}

.emi-aside-call .ico {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.emi-panel {
  min-width: 0;
  display: flex;
  flex-direction: column;
}

.emi-gate {
  max-width: none;
  margin: 0;
  height: 100%;
}

.emi-gate .form-card,
.emi-lead-form {
  height: 100%;
  box-sizing: border-box;
}

.emi-lead-form h3 {
  margin: 0 0 8px;
  font-size: 20px;
  color: var(--text);
}

.emi-gate-note {
  margin: 0 0 20px;
  font-size: 14px;
  color: var(--text-soft);
  line-height: 1.5;
}

.emi-gate[hidden],
.calc-wrap[hidden] {
  display: none !important;
}

.calc-wrap {
  background: #fff;
  border-radius: 12px;
  box-shadow: var(--shadow-lg);
  padding: 28px;
  height: 100%;
  box-sizing: border-box;
}

.calc-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
  border-bottom: 1px solid var(--border);
  padding-bottom: 16px;
}

.calc-tab {
  padding: 8px 16px;
  border-radius: 20px;
  border: 1px solid var(--border);
  background: #fff;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  cursor: pointer;
}

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

.calc-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
  align-items: center;
}

/* Inside split layout, stack controls + result for readability */
.emi-panel .calc-grid {
  grid-template-columns: 1fr;
  gap: 24px;
}

.calc-field {
  margin-bottom: 28px;
}

.calc-field-head {
  display: flex;
  justify-content: space-between;
  margin-bottom: 10px;
  font-size: 14px;
}

.calc-field-head output {
  font-weight: 700;
  color: var(--maroon);
}

input[type=range] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 3px;
  background: #E8E8E8;
  outline: none;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--maroon);
  border: 3px solid #fff;
  box-shadow: 0 1px 6px rgba(0, 0, 0, 0.25);
  cursor: pointer;
}

.calc-result {
  text-align: center;
  padding: 20px;
}

.donut-wrap {
  position: relative;
  width: 200px;
  height: 200px;
  margin: 0 auto 20px;
}

.donut-wrap canvas {
  width: 100% !important;
  height: 100% !important;
}

.donut-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}

.donut-center span {
  font-size: 11px;
  color: var(--text-soft);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.donut-center b {
  font-size: 22px;
  color: var(--maroon);
  margin-top: 4px;
}

.calc-legend {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-bottom: 20px;
  font-size: 13px;
}

.calc-legend i {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  margin-right: 6px;
}

.calc-legend .prin {
  background: var(--maroon);
}

.calc-legend .int {
  background: var(--cyan);
}

.calc-emi-box {
  background: var(--pink-soft);
  border-radius: 8px;
  padding: 16px;
  margin-bottom: 16px;
}

.calc-emi-box span {
  display: block;
  font-size: 12px;
  color: var(--text-soft);
}

.calc-emi-box b {
  font-size: 28px;
  color: var(--maroon);
}

/* ---------- ABOUT STRIP (maroon) ---------- */
.about-strip {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.about-strip h2 {
  font-size: clamp(26px, 3vw, 34px);
  margin: 0 0 16px;
  color: #fff;
  font-weight: 700;
}

.about-strip p {
  margin: 0 0 14px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 15px;
  line-height: 1.65;
}

.about-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 28px;
}

.about-stat {
  background: rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  padding: 18px 12px;
  text-align: center;
}

.about-stat b {
  display: block;
  font-size: 28px;
  color: #fff;
}

.about-stat span {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.75);
}

.about-visual {
  background: rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  min-height: 280px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px;
}

.about-visual img {
  width: 180px;
  height: 180px;
  border-radius: 50%;
  object-fit: cover;
  background: #000;
}

/* ---------- FORMS ---------- */
.form-card {
  background: #fff;
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 32px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 14px;
  color: var(--text);
  background: #fff;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--maroon);
  box-shadow: 0 0 0 3px rgba(196, 30, 58, 0.1);
}

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-success {
  display: none;
  background: #E8F5E9;
  color: #2E7D32;
  padding: 14px 16px;
  border-radius: 6px;
  font-size: 14px;
  margin-bottom: 16px;
}

.form-success.show {
  display: block;
}

.form-error {
  display: none;
  background: #fdecef;
  color: #9b1c2e;
  padding: 14px 16px;
  border-radius: 6px;
  font-size: 14px;
  margin-bottom: 16px;
  font-weight: 600;
}

.form-error.show {
  display: block;
}

.form-error[hidden] {
  display: none !important;
}

.contact-side {
  background: var(--maroon);
  color: #fff;
  border-radius: 12px;
  padding: 32px;
}

.contact-side h3 {
  margin: 0 0 20px;
  font-size: 22px;
}

.ci-row {
  display: flex;
  gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.ci-row:last-child {
  border-bottom: none;
}

.ci-ico {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.14);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #fff;
}

.ci-ico .ico,
.ci-ico svg {
  color: inherit;
  stroke: currentColor;
}

.ci-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.7;
  margin-bottom: 4px;
}

.ci-value {
  font-size: 14px;
  line-height: 1.5;
}

.ci-value a {
  color: #fff;
  text-decoration: underline;
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
  align-items: start;
}

/* ---------- PAGE BANNER ---------- */
.page-banner {
  background:
    radial-gradient(ellipse 70% 80% at 100% 0%, rgba(196, 30, 58, 0.15), transparent),
    linear-gradient(180deg, var(--pink-soft), #fff);
  padding: 48px 0;
  text-align: center;
  border-bottom: 1px solid var(--border);
}

.page-banner h1 {
  margin: 0 0 10px;
  font-size: clamp(28px, 3.5vw, 40px);
  color: var(--maroon);
  font-weight: 700;
}

.page-banner p {
  margin: 0 auto;
  max-width: 560px;
  color: var(--text-soft);
  font-size: 16px;
}

/* ---------- PRODUCT CARDS GRID ---------- */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.product-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0 0 24px;
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
  display: flex;
  flex-direction: column;
}

.product-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.product-card .card-media {
  width: 100%;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: #e8e8e8;
  margin-bottom: 18px;
}

.product-card .card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.35s ease;
}

.product-card:hover .card-media img {
  transform: scale(1.04);
}

.product-card .icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--pink-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin: 24px 24px 16px;
}

.product-card:has(.card-media) .icon {
  display: none;
}

.product-card:has(.card-media) {
  padding-top: 0;
}

.product-card:not(:has(.card-media)) {
  padding-top: 8px;
}

.product-card h3,
.product-card p,
.product-card ul,
.product-card .link {
  padding-left: 24px;
  padding-right: 24px;
}

.product-card h3 {
  margin: 0 0 10px;
  font-size: 18px;
  color: var(--text);
}

.product-card p {
  margin: 0 0 14px;
  font-size: 14px;
  color: var(--text-soft);
  line-height: 1.6;
}

.product-card ul {
  margin: 0 0 16px;
  padding-left: 42px;
  list-style: disc;
  font-size: 13px;
  color: var(--text-soft);
  line-height: 1.7;
}

.product-card .link {
  color: var(--maroon);
  font-size: 14px;
  font-weight: 700;
  margin-top: auto;
}

/* Insurance tabs */
.tabs-nav {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
  justify-content: center;
}

.tab-btn {
  padding: 10px 18px;
  border-radius: 20px;
  border: 1px solid var(--border);
  background: #fff;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  cursor: pointer;
}

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

.tab-panel {
  display: none;
}

.tab-panel.active {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* FAQ */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

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

.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  flex-shrink: 0;
  position: relative;
}

.faq-icon::before,
.faq-icon::after {
  content: "";
  position: absolute;
  background: var(--text);
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.faq-icon::before {
  width: 10px;
  height: 2px;
}

.faq-icon::after {
  width: 2px;
  height: 10px;
}

.faq-item.open .faq-icon {
  background: var(--maroon);
  border-color: var(--maroon);
}

.faq-item.open .faq-icon::before,
.faq-item.open .faq-icon::after {
  background: #fff;
}

.faq-item.open .faq-icon::after {
  transform: translate(-50%, -50%) scaleY(0);
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-a p {
  margin: 0;
  padding-bottom: 18px;
  font-size: 14px;
  color: var(--text-soft);
  line-height: 1.7;
}

/* ---------- FOOTER ---------- */
.footer {
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 48px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 36px;
}

.footer h4 {
  margin: 0 0 16px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text);
}

.footer-links a {
  display: block;
  font-size: 13px;
  color: var(--text-soft);
  padding: 5px 0;
}

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

.footer-brand p {
  font-size: 13px;
  color: var(--text-soft);
  margin: 14px 0 0;
  line-height: 1.6;
}

.footer-bottom {
  background: var(--maroon-dark);
  color: rgba(255, 255, 255, 0.75);
  padding: 20px 0;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 12px;
}

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

.footer-social a {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 13px;
}

.footer-social a:hover {
  background: var(--maroon);
  border-color: var(--maroon);
}

/* ---------- STICKY BOTTOM BAR ---------- */
.sticky-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--maroon-dark, #8B1528);
  z-index: 900;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.15);
  padding-bottom: env(safe-area-inset-bottom, 0);
}

.sticky-bar-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  align-items: stretch;
  max-width: 960px;
  margin: 0 auto;
  min-height: 64px;
}

.sticky-bar a {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  padding: 10px 8px;
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  border-right: 1px solid rgba(255, 255, 255, 0.14);
  box-sizing: border-box;
  min-height: 64px;
}

.sticky-bar a:last-child {
  border-right: none;
  background: var(--maroon);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.01em;
}

.sticky-bar a .ico,
.sticky-bar a svg.ico {
  width: 18px;
  height: 18px;
  display: block;
  margin: 0;
  flex-shrink: 0;
  color: #fff;
  stroke: currentColor;
}

.sticky-bar a .label {
  display: block;
  line-height: 1.2;
}

.sticky-bar a:hover {
  background: rgba(255, 255, 255, 0.1);
}

.sticky-bar a:last-child:hover {
  background: var(--maroon-deep, #9a1830);
}

/* ---------- MOBILE NAV ---------- */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.45);
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: 0.25s;
}

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

.mobile-nav-panel {
  position: absolute;
  top: 0;
  right: 0;
  width: min(320px, 88vw);
  height: 100%;
  background: #fff;
  padding: 20px;
  transform: translateX(100%);
  transition: 0.25s;
  overflow-y: auto;
}

.mobile-nav.open .mobile-nav-panel {
  transform: none;
}

.mobile-nav-close {
  background: none;
  border: none;
  font-size: 28px;
  cursor: pointer;
  margin-bottom: 16px;
}

.mobile-nav-links li {
  border-bottom: 1px solid var(--border);
}

.mobile-nav-links a {
  display: block;
  padding: 14px 0;
  font-size: 15px;
  font-weight: 600;
}

.mobile-nav-sub a {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-soft);
  padding: 8px 0 8px 12px;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
  .nav-main {
    display: none;
  }

  .menu-toggle {
    display: block;
  }

  .mobile-nav {
    display: block;
  }

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

  .product-block,
  .product-block.reverse,
  .emi-layout,
  .calc-grid,
  .about-strip,
  .form-grid-2 {
    grid-template-columns: 1fr;
  }

  .emi-aside-media {
    aspect-ratio: 16 / 9;
    max-height: 280px;
  }

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

  .feature-strip {
    grid-template-columns: 1fr 1fr;
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 28px 20px;
    max-width: none;
  }

  .why-grid .why-item:nth-child(n) {
    grid-column: auto;
  }

  .products-grid,
  .tab-panel.active {
    grid-template-columns: 1fr 1fr;
  }

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

  .finder-fields {
    grid-template-columns: 1fr;
  }

  .hero-points {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }

  .hero-actions {
    flex-direction: column;
    width: 100%;
    max-width: 320px;
  }

  .hero-actions .btn-maroon,
  .hero-actions .btn-outline-maroon {
    width: 100%;
    text-align: center;
  }
}

/* ---------- HIGHLIGHT: LIC + CGTMSE ---------- */
.highlight-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 48px;
}

.highlight-card {
  border-radius: 12px;
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
  min-height: 200px;
}

.highlight-card.lic {
  background: linear-gradient(135deg, #0B3D6E 0%, #1A5F9E 55%, #0B3D6E 100%);
  color: #fff;
}

.highlight-card.cgtmse {
  background: linear-gradient(135deg, #0D5C3D 0%, #1A8A5C 55%, #0D5C3D 100%);
  color: #fff;
}

.highlight-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: rgba(255, 255, 255, 0.18);
  padding: 6px 12px;
  border-radius: 20px;
  margin-bottom: 14px;
}

.highlight-card .highlight-logo {
  height: 40px;
  width: auto;
  max-width: 140px;
  object-fit: contain;
  margin-bottom: 14px;
  background: #fff;
  border-radius: 8px;
  padding: 6px 10px;
}

.highlight-card h3 {
  margin: 0 0 12px;
  font-size: 24px;
  font-weight: 700;
  color: #fff;
}

.highlight-card p {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.9);
  max-width: 420px;
}

.highlight-card .tag-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 18px;
}

.highlight-card .tag-row span {
  font-size: 12px;
  font-weight: 600;
  background: rgba(255, 255, 255, 0.15);
  padding: 6px 12px;
  border-radius: 4px;
}

/* ---------- CHANNEL PARTNERS ---------- */
.section-eyebrow {
  display: inline-block;
  margin: 0 0 10px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--maroon);
}

.section-head.center .section-eyebrow {
  margin-left: auto;
  margin-right: auto;
}

.trust-bands {
  margin-top: 40px;
  display: flex;
  flex-direction: column;
  gap: 36px;
}

.trust-band__label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-soft);
  margin-bottom: 14px;
  padding-left: 4px;
}

.marquee {
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}

.marquee__track {
  display: flex;
  gap: 28px;
  animation: pf-marquee 55s linear infinite;
  width: max-content;
  align-items: center;
}

.marquee--reverse .marquee__track { animation-direction: reverse; }
.marquee--fast .marquee__track { animation-duration: 50s; }
.marquee--slow .marquee__track { animation-duration: 70s; }

.marquee:hover .marquee__track,
.marquee.is-paused .marquee__track {
  animation-play-state: paused;
}

@keyframes pf-marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

@media (prefers-reduced-motion: reduce) {
  .marquee__track { animation: none; }
}

.partner-logo {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  position: relative;
  padding: 20px 24px;
  background: #fff;
  border: 1px solid #e8eaed;
  border-radius: 14px;
  box-shadow: none;
  flex-shrink: 0;
  width: 210px;
  height: 92px;
  box-sizing: border-box;
  overflow: hidden;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}

.partner-logo:hover {
  border-color: rgba(196, 30, 58, 0.28);
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.05);
}

.partner-logo__media {
  width: 100%;
  height: 100%;
  display: grid;
  place-items: center;
  overflow: hidden;
}

.partner-logo img {
  display: block;
  /* Hard height cap keeps even vertical padding for tall wordmarks */
  max-width: calc(100% * var(--logo-max, 1));
  max-height: calc(40px * var(--logo-max, 1));
  width: auto;
  height: auto;
  object-fit: contain;
  object-position: center;
}

.partner-logo--blend img {
  mix-blend-mode: multiply;
}

/* Light/white marks need a soft plate so they aren’t invisible on white tiles */
.partner-logo--soft {
  background: #f3f4f6;
  border-color: #e5e7eb;
}

.partner-logo .partner-initials {
  width: auto;
  height: auto;
  border-radius: 0;
  background: transparent;
  font-size: 14px;
  font-weight: 700;
  color: var(--maroon);
  letter-spacing: 0.04em;
}

.tech-marquee { margin-top: 40px; }
.tech-marquee .marquee__track { gap: 12px; }

.tech-pill {
  display: inline-flex;
  padding: 10px 20px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  white-space: nowrap;
  flex-shrink: 0;
  transition: border-color 0.2s, color 0.2s, background 0.2s;
}

.tech-pill:hover {
  border-color: rgba(196, 30, 58, 0.35);
  color: var(--maroon);
  background: rgba(196, 30, 58, 0.05);
}

.partners-note {
  text-align: center;
  font-size: 13px;
  color: var(--text-soft);
  margin-top: 28px;
}

.partners-note a {
  color: var(--maroon);
  font-weight: 700;
}

.partner-cats {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 28px;
}

.partner-cat-btn {
  padding: 9px 18px;
  border-radius: 20px;
  border: 1px solid var(--border);
  background: #fff;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  cursor: pointer;
}

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

.partner-group { display: none; margin-bottom: 8px; }
.partner-group.active { display: block; }

.partner-group-label {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--maroon);
  margin: 0 0 16px;
}

.partner-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.partner-tile {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px 12px 14px;
  text-align: center;
  min-height: 130px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: box-shadow 0.2s, transform 0.2s;
}

.partner-tile:hover {
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.partner-tile .partner-logo {
  width: 100%;
  height: 72px;
  box-shadow: none;
}

.partner-tile .partner-logo:hover {
  transform: none;
  box-shadow: none;
}

.partner-initials {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: var(--pink-soft);
  color: var(--maroon);
  font-size: 14px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.partner-initials[hidden] {
  display: none !important;
}

.partner-tile .ptype {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--maroon);
  background: var(--pink-soft);
  padding: 3px 8px;
  border-radius: 4px;
}

.partner-tile .ptype.govt {
  color: #0D5C3D;
  background: #E8F5EF;
}

.partner-tile .ptype.nbfc {
  color: #1A5F9E;
  background: #EAF3FB;
}

.partner-tile .ptype.hfc {
  color: #8B5A00;
  background: #FFF5E0;
}

.partner-tile .pname {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--text);
  line-height: 1.3;
}
@media (max-width: 1024px) {
  .highlight-row {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 640px) {
  .quick-row,
  .feature-strip,
  .why-grid,
  .products-grid,
  .tab-panel.active,
  .about-stats,
  .footer-grid,
  .form-row {
    grid-template-columns: 1fr;
  }

  .why-grid .why-item:nth-child(n) {
    grid-column: auto;
  }

  .cta-bar,
  .cta-bar.three,
  .cta-bar.five {
    grid-template-columns: 1fr 1fr;
  }

  .sticky-bar a {
    gap: 0;
    padding: 12px 6px;
  }

  .sticky-bar a span.label {
    display: none;
  }

  .sticky-bar a:last-child {
    font-size: 11px;
    letter-spacing: 0;
  }

  .sub-nav {
    display: none;
  }

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

/* ---------- ABOUT PAGE ---------- */
.about-hero {
  position: relative;
  min-height: min(72vh, 620px);
  display: flex;
  align-items: flex-end;
  overflow: hidden;
  color: #fff;
}

.about-hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.about-hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  transform: scale(1.04);
  animation: about-ken 18s ease-out forwards;
}

@keyframes about-ken {
  from { transform: scale(1.08); }
  to { transform: scale(1.02); }
}

.about-hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(20, 8, 12, 0.78) 0%, rgba(20, 8, 12, 0.45) 48%, rgba(20, 8, 12, 0.25) 100%),
    linear-gradient(180deg, rgba(20, 8, 12, 0.15) 0%, rgba(20, 8, 12, 0.55) 100%);
}

.about-hero-content {
  position: relative;
  z-index: 1;
  padding-top: 100px;
  padding-bottom: 56px;
  max-width: 640px;
  margin-left: 0;
  margin-right: auto;
  animation: about-rise 0.9s ease-out both;
}

@keyframes about-rise {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.about-brand {
  margin: 0 0 12px;
  font-size: clamp(22px, 3.2vw, 34px);
  font-weight: 700;
  letter-spacing: 0.02em;
  color: #fff;
  line-height: 1.15;
}

.about-hero h1 {
  margin: 0 0 14px;
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 700;
  line-height: 1.15;
  color: #fff;
}

.about-hero-sub {
  margin: 0 0 26px;
  font-size: 16px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
  max-width: 480px;
}

.about-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.about-hero .btn-outline-maroon {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.65);
}

.about-hero .btn-outline-maroon:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #fff;
  color: #fff;
}

.about-split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.about-split--reverse {
  grid-template-columns: 0.95fr 1.05fr;
}

.about-split-copy h2 {
  margin: 0 0 16px;
  font-size: clamp(26px, 3vw, 34px);
  font-weight: 700;
  color: var(--text);
  line-height: 1.25;
}

.about-split-copy p {
  margin: 0 0 14px;
  font-size: 15.5px;
  color: var(--text-soft);
  line-height: 1.65;
}

.about-role {
  color: var(--maroon) !important;
  font-weight: 700 !important;
  font-size: 15px !important;
  margin: -6px 0 16px !important;
}

.about-checklist {
  margin: 22px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.about-checklist li {
  position: relative;
  padding-left: 22px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--text);
}

.about-checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--maroon);
}

.about-split-media {
  margin: 0;
  overflow: hidden;
  min-height: 360px;
  height: 100%;
  background: var(--pink-mid);
}

.about-split-media img {
  width: 100%;
  height: 100%;
  min-height: 360px;
  object-fit: cover;
  display: block;
  transition: transform 0.8s ease;
}

.about-split-media:hover img {
  transform: scale(1.03);
}

.about-promise-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  max-width: 1040px;
  margin: 0 auto;
}

.about-promise-item {
  padding: 8px 28px;
  text-align: left;
}

.about-promise-item + .about-promise-item {
  border-left: 1px solid var(--border);
}

.about-promise-num {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--maroon);
  margin-bottom: 14px;
}

.about-promise-item h3 {
  margin: 0 0 8px;
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
}

.about-promise-item p {
  margin: 0;
  font-size: 14px;
  color: var(--text-soft);
  line-height: 1.55;
}

.about-visit {
  position: relative;
  min-height: 420px;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #fff;
}

.about-visit-media {
  position: absolute;
  inset: 0;
}

.about-visit-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.about-visit-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(105deg, rgba(107, 16, 32, 0.92) 0%, rgba(196, 30, 58, 0.78) 55%, rgba(20, 8, 12, 0.55) 100%);
}

.about-visit-content {
  position: relative;
  z-index: 1;
  padding: 64px 24px;
  max-width: 560px;
  margin-left: 0;
  margin-right: auto;
}

.about-visit h2 {
  margin: 0 0 14px;
  font-size: clamp(26px, 3vw, 34px);
  font-weight: 700;
  color: #fff;
}

.about-visit p {
  margin: 0 0 28px;
  font-size: 16px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
}

.btn-outline-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.7);
  border-radius: 4px;
  padding: 11px 24px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
}

.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #fff;
}

@media (prefers-reduced-motion: reduce) {
  .about-hero-media img {
    animation: none;
    transform: none;
  }

  .about-hero-content {
    animation: none;
  }

  .about-split-media:hover img {
    transform: none;
  }
}

@media (max-width: 900px) {
  .about-split,
  .about-split--reverse {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .about-split-media {
    min-height: 280px;
  }

  .about-split-media img {
    min-height: 280px;
  }

  .about-promise-row {
    grid-template-columns: 1fr 1fr;
    gap: 28px 24px;
  }

  .about-promise-item {
    padding: 8px 12px;
  }

  .about-promise-item + .about-promise-item {
    border-left: none;
    padding-left: 12px;
  }
}

@media (max-width: 640px) {
  .about-hero {
    min-height: min(78vh, 560px);
  }

  .about-hero-content {
    padding-bottom: 40px;
  }

  .about-visit {
    min-height: 380px;
  }

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

  .about-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .about-hero-actions .btn-maroon,
  .about-hero-actions .btn-outline-maroon,
  .about-hero-actions .btn-white,
  .about-hero-actions .btn-outline-white {
    width: 100%;
  }
}