/* ==========================================================================
   SJ Finance Custom Stylesheet
   Design Identity: Royal Blue & Metallic Gold Accent, Clean White Backgrounds
   ========================================================================== */

/* 1. CSS Variables & Design Tokens */
:root {
    --primary: #0b2265;         /* Royal Navy Blue */
    --primary-light: #15399c;   /* Lighter Blue for gradients/hover */
    --primary-dark: #061133;    /* Deep Navy */
    --accent: #cca43b;          /* Premium Gold */
    --accent-hover: #b08928;    /* Gold Hover */
    --gold-light: #f7eec8;      /* Gold tint for backgrounds */
    --gold-gradient: linear-gradient(135deg, #d4af37 0%, #aa7c11 100%);
    --blue-gradient: linear-gradient(135deg, #0b2265 0%, #15399c 100%);
    --bg-white: #ffffff;
    --bg-light: #f8fafc;        /* Soft Slate */
    --bg-gray: #f1f5f9;
    --text-main: #1e293b;       /* Slate 800 */
    --text-muted: #64748b;      /* Slate 500 */
    --text-light: #94a3b8;      /* Slate 400 */
    --success: #10b981;         /* Emerald Green */
    --error: #ef4444;           /* Coral Red */
    
    /* Layout Tokens */
    --font-primary: 'Poppins', 'Noto Sans Devanagari', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --border-radius-sm: 8px;
    --border-radius-md: 16px;
    --border-radius-lg: 24px;
    
    /* Shadows */
    --shadow-sm: 0 4px 6px -1px rgba(11, 34, 101, 0.05), 0 2px 4px -1px rgba(11, 34, 101, 0.03);
    --shadow-md: 0 10px 15px -3px rgba(11, 34, 101, 0.08), 0 4px 6px -2px rgba(11, 34, 101, 0.04);
    --shadow-lg: 0 20px 25px -5px rgba(11, 34, 101, 0.12), 0 10px 10px -5px rgba(11, 34, 101, 0.06);
    --shadow-gold: 0 8px 20px rgba(204, 164, 59, 0.25);
    
    /* Transitions */
    --transition-fast: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-smooth: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

/* 2. Reset & Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

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

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

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

ul {
    list-style: none;
}

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

button, input, select, textarea {
    font-family: inherit;
    font-size: inherit;
    border: none;
    outline: none;
    background: none;
}

.container {
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
}

.section-padding {
    padding: 100px 0;
}

.bg-light {
    background-color: var(--bg-light);
}

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

.w-full {
    width: 100%;
}

/* Colors and Utilities */
.gold-text { color: var(--accent); }
.blue-text { color: var(--primary); }
.green-text { color: var(--success); }
.red-text { color: var(--error); }
.text-gold { color: var(--accent); }

/* 3. Typography & Section Headers */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.3;
    color: var(--primary-dark);
}

.section-header {
    margin-bottom: 60px;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.section-subtitle {
    display: inline-block;
    color: var(--accent);
    font-size: 0.9rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 12px;
    background-color: rgba(204, 164, 59, 0.1);
    padding: 6px 16px;
    border-radius: 50px;
}

.section-title {
    font-size: 2.5rem;
    margin-bottom: 20px;
    position: relative;
    display: inline-block;
}

.section-title::after {
    content: '';
    display: block;
    width: 60px;
    height: 4px;
    background: var(--gold-gradient);
    margin: 12px auto 0 auto;
    border-radius: 2px;
}

.text-center .section-title::after {
    margin-left: auto;
    margin-right: auto;
}

.section-desc {
    color: var(--text-muted);
    font-size: 1.1rem;
}

/* 4. Custom Buttons & Form Controls */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    font-weight: 600;
    border-radius: var(--border-radius-sm);
    cursor: pointer;
    transition: var(--transition-fast);
    gap: 10px;
}

.btn-primary {
    background-color: var(--primary);
    color: var(--bg-white);
    border: 2px solid var(--primary);
}

.btn-primary:hover {
    background-color: var(--primary-light);
    border-color: var(--primary-light);
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(11, 34, 101, 0.2);
}

.btn-gold {
    background: var(--gold-gradient);
    color: var(--primary-dark);
    border: none;
    box-shadow: var(--shadow-gold);
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(204, 164, 59, 0.4);
}

.btn-outline-white {
    background: transparent;
    color: var(--bg-white);
    border: 2px solid rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover {
    background-color: rgba(255, 255, 255, 0.1);
    border-color: var(--bg-white);
    transform: translateY(-2px);
}

.btn-outline-primary {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline-primary:hover {
    background-color: var(--primary);
    color: var(--bg-white);
}

.btn-outline-whatsapp {
    background: transparent;
    color: #20ba5a;
    border: 2px solid #20ba5a;
}

.btn-outline-whatsapp:hover {
    background-color: #20ba5a;
    color: var(--bg-white);
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(32, 186, 90, 0.2);
}

.btn-sm {
    padding: 8px 18px;
    font-size: 0.85rem;
    border-radius: 6px;
}

.btn-lg {
    padding: 16px 36px;
    font-size: 1.05rem;
}

/* 5. Top Contact Bar */
.top-bar {
    background-color: var(--primary-dark);
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.85rem;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

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

.top-info {
    display: flex;
    gap: 24px;
    align-items: center;
}

.top-info a, .top-info span {
    display: flex;
    align-items: center;
    gap: 8px;
}

.top-info a:hover {
    color: var(--accent);
}

.top-cta .top-whatsapp-btn {
    background-color: #25d366;
    color: white;
    padding: 6px 16px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.8rem;
    display: flex;
    align-items: center;
    gap: 6px;
    box-shadow: 0 4px 10px rgba(37, 211, 102, 0.2);
}

.top-cta .top-whatsapp-btn:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 14px rgba(37, 211, 102, 0.3);
}

/* 6. Header / Navbar */
.navbar {
    background-color: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(11, 34, 101, 0.05);
    position: sticky;
    top: 0;
    z-index: 100;
    padding: 16px 0;
    transition: var(--transition-fast);
}

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

.logo {
    display: flex;
    align-items: center;
    font-size: 1.7rem;
    font-weight: 800;
}

.logo-sj {
    color: var(--accent);
    margin-right: 2px;
}

.logo-finance {
    color: var(--primary);
}

.nav-menu {
    display: flex;
    gap: 32px;
    align-items: center;
}

.nav-link {
    color: var(--text-main);
    font-weight: 500;
    font-size: 0.95rem;
    position: relative;
    padding: 8px 0;
}

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

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 3px;
    background: var(--gold-gradient);
    transition: var(--transition-fast);
    border-radius: 2px;
}

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

.nav-actions {
    display: flex;
    align-items: center;
    gap: 16px;
}

.hamburger {
    display: none;
    cursor: pointer;
}

.hamburger .bar {
    display: block;
    width: 25px;
    height: 3px;
    margin: 5px auto;
    transition: var(--transition-fast);
    background-color: var(--primary-dark);
}

.mobile-cta-li {
    display: none;
}

/* 7. Hero Section */
.hero {
    position: relative;
    padding: 120px 0 100px 0;
    background: radial-gradient(circle at 10% 20%, rgba(11, 34, 101, 0.05) 0%, rgba(255, 255, 255, 1) 90%);
    overflow: hidden;
}

.hero-bg-overlay {
    position: absolute;
    top: 0;
    right: 0;
    width: 60%;
    height: 100%;
    background: linear-gradient(135deg, rgba(11, 34, 101, 0.02) 0%, rgba(204, 164, 59, 0.03) 100%);
    clip-path: polygon(20% 0, 100% 0, 100% 100%, 0 100%);
    z-index: 1;
}

.hero-container {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-content {
    max-width: 680px;
}

.hero-content .badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: rgba(11, 34, 101, 0.06);
    color: var(--primary);
    padding: 8px 18px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.85rem;
    margin-bottom: 24px;
}

.hero-title {
    font-size: 3.5rem;
    line-height: 1.2;
    margin-bottom: 24px;
    color: var(--primary-dark);
}

.highlight-gold {
    background: var(--gold-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    font-weight: 800;
}

.hero-subtitle {
    font-size: 1.2rem;
    color: var(--text-muted);
    margin-bottom: 40px;
    line-height: 1.6;
}

.hero-btns {
    display: flex;
    gap: 20px;
    margin-bottom: 40px;
}

.hero-features {
    display: flex;
    gap: 30px;
}

.hero-feat-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-main);
}

/* Hero Right Side - Application Eligibility Card */
.hero-image-container {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-card {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    border: 1px solid rgba(11, 34, 101, 0.08);
    position: relative;
    overflow: hidden;
    width: 100%;
    max-width: 440px;
}

.hero-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--gold-gradient);
}

.hero-card-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
}

.hero-card-header i {
    font-size: 1.8rem;
    padding: 12px;
    background-color: rgba(11, 34, 101, 0.05);
    border-radius: var(--border-radius-sm);
}

.hero-card-header h3 {
    font-size: 1.3rem;
}

.hero-card-desc {
    color: var(--text-muted);
    font-size: 0.95rem;
    margin-bottom: 28px;
}

.hero-trust-indicators {
    display: flex;
    justify-content: space-between;
    border-top: 1px solid var(--bg-gray);
    margin-top: 28px;
    padding-top: 20px;
    font-size: 0.8rem;
    color: var(--text-muted);
    font-weight: 500;
}

.hero-trust-indicators span {
    display: flex;
    align-items: center;
    gap: 6px;
}

/* 8. About Section */
.grid {
    display: grid;
    gap: 40px;
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.align-center {
    align-items: center;
}

.about-images {
    position: relative;
    height: 520px;
}

.about-images .image-box {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 90%;
    height: 90%;
    border-radius: var(--border-radius-md);
    background: var(--blue-gradient);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.about-images .image-box::after {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(204, 164, 59, 0.15) 0%, transparent 60%);
    z-index: 1;
}

.about-card-badge {
    position: absolute;
    top: 40px;
    left: -20px;
    background: var(--gold-gradient);
    color: var(--primary-dark);
    padding: 20px;
    border-radius: var(--border-radius-sm);
    box-shadow: var(--shadow-lg);
    display: flex;
    flex-direction: column;
    align-items: center;
    z-index: 3;
}

.about-card-badge .number {
    font-size: 2.2rem;
    font-weight: 800;
    line-height: 1;
}

.about-card-badge .text {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
}

.stat-bubble {
    position: absolute;
    background: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--border-radius-sm);
    padding: 16px 20px;
    box-shadow: var(--shadow-md);
    display: flex;
    align-items: center;
    gap: 14px;
    z-index: 3;
}

.stat-bubble h4 {
    font-size: 1rem;
    color: var(--primary-dark);
}

.stat-bubble p {
    font-size: 0.75rem;
    color: var(--text-muted);
}

.stat-bubble i {
    font-size: 1.5rem;
    padding: 10px;
    background-color: rgba(204, 164, 59, 0.1);
    border-radius: 50%;
}

.bubble-1 {
    bottom: 60px;
    left: -10px;
}

.bubble-2 {
    top: 80px;
    right: -20px;
}

.geometric-shape {
    position: absolute;
    width: 250px;
    height: 250px;
    border: 2px dashed rgba(204, 164, 59, 0.3);
    border-radius: 50%;
    bottom: -50px;
    right: -50px;
    z-index: 0;
    animation: rotate 30s linear infinite;
}

@keyframes rotate {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

.about-content {
    padding-left: 20px;
}

.about-text {
    font-size: 1.05rem;
    color: var(--text-muted);
    margin-bottom: 20px;
}

.about-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-top: 35px;
}

.about-feat-card {
    display: flex;
    gap: 16px;
}

.about-feat-card .icon-container {
    background-color: rgba(11, 34, 101, 0.05);
    color: var(--primary);
    width: 48px;
    height: 48px;
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0;
}

.about-feat-card h3 {
    font-size: 1.05rem;
    margin-bottom: 6px;
    color: var(--primary-dark);
}

.about-feat-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.4;
}

/* 9. EMI Calculator Section */
.calculator-wrapper {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 50px;
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    padding: 50px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(11, 34, 101, 0.05);
}

.calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 36px;
}

.calc-group {
    display: flex;
    flex-direction: column;
}

.calc-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.calc-label-row label {
    font-weight: 600;
    color: var(--primary-dark);
    font-size: 1.05rem;
}

.input-with-unit {
    display: flex;
    align-items: center;
    border: 1.5px solid var(--bg-gray);
    border-radius: var(--border-radius-sm);
    overflow: hidden;
    background-color: var(--bg-light);
    max-width: 170px;
    transition: var(--transition-fast);
}

.input-with-unit:focus-within {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(204, 164, 59, 0.15);
}

.input-with-unit input {
    width: 100%;
    padding: 8px 12px;
    font-weight: 700;
    color: var(--primary);
    text-align: right;
    background-color: transparent;
}

.input-with-unit .unit {
    background-color: var(--bg-gray);
    padding: 8px 12px;
    font-weight: 600;
    color: var(--text-muted);
    border-left: 1px solid var(--bg-gray);
}

.range-limits {
    display: flex;
    justify-content: space-between;
    font-size: 0.8rem;
    color: var(--text-light);
    margin-top: 8px;
    font-weight: 500;
}

/* Custom Styled Range Input Sliders */
.slider {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 5px;
    background: var(--bg-gray);
    outline: none;
    transition: var(--transition-fast);
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold-gradient);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
    border: 2px solid var(--bg-white);
    transition: transform 0.1s;
}

.slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold-gradient);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
    border: 2px solid var(--bg-white);
    transition: transform 0.1s;
}

.slider::-moz-range-thumb:hover {
    transform: scale(1.2);
}

/* Tenure Toggle Button CSS */
.tenure-toggle-container {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 14px;
}

.tenure-toggle-container .toggle-label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
}

.toggle-buttons {
    display: flex;
    background-color: var(--bg-gray);
    padding: 3px;
    border-radius: 6px;
}

.toggle-btn {
    padding: 4px 12px;
    font-size: 0.8rem;
    font-weight: 600;
    border-radius: 4px;
    cursor: pointer;
    transition: var(--transition-fast);
    color: var(--text-muted);
}

.toggle-btn.active {
    background-color: var(--primary);
    color: var(--bg-white);
}

/* Calculator Results Side styling */
.calc-results {
    background-color: var(--bg-light);
    border-radius: var(--border-radius-sm);
    padding: 36px;
    border: 1px solid var(--bg-gray);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.results-header h3 {
    font-size: 1.2rem;
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 12px;
    border-bottom: 1.5px solid var(--bg-gray);
}

.results-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-bottom: 30px;
}

.result-box {
    background-color: var(--bg-white);
    border: 1px solid var(--bg-gray);
    padding: 16px;
    border-radius: var(--border-radius-sm);
    display: flex;
    flex-direction: column;
}

.result-label {
    font-size: 0.8rem;
    color: var(--text-muted);
    font-weight: 500;
    margin-bottom: 4px;
}

.result-value {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary-dark);
}

.emi-box {
    grid-column: span 2;
    background-color: var(--primary);
    border-color: var(--primary);
}

.emi-box .result-label {
    color: rgba(255, 255, 255, 0.7);
}

.emi-box .result-value {
    color: var(--bg-white);
    font-size: 2.2rem;
    background: var(--gold-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.highlight-box {
    border-left: 4px solid var(--accent);
}

/* Donut Chart Graphics */
.chart-container {
    display: flex;
    justify-content: space-around;
    align-items: center;
    margin-bottom: 30px;
    background-color: var(--bg-white);
    padding: 20px;
    border-radius: var(--border-radius-sm);
    border: 1px solid var(--bg-gray);
    gap: 16px;
}

.donut-chart {
    transform: rotate(-90deg);
}

.chart-bg {
    fill: none;
    stroke: var(--bg-gray);
    stroke-width: 14;
}

.chart-progress {
    fill: none;
    stroke: var(--primary);
    stroke-dasharray: 534; /* 2 * PI * r (r=85) = 534.07 */
    stroke-dashoffset: 0;
    stroke-linecap: round;
    stroke-width: 15;
    transition: stroke-dashoffset 0.6s ease-out;
}

.chart-center-text {
    transform: rotate(90deg);
    transform-origin: 110px 110px;
    text-anchor: middle;
}

.chart-label {
    font-size: 12px;
    fill: var(--text-muted);
    font-weight: 600;
}

.chart-total-val {
    font-size: 18px;
    fill: var(--primary-dark);
    font-weight: 700;
}

.chart-legend {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.legend-item {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-main);
    display: flex;
    align-items: center;
    gap: 8px;
}

.legend-dot {
    display: inline-block;
    width: 12px;
    height: 12px;
    border-radius: 3px;
}

.principal-dot { background-color: var(--bg-gray); border: 2.5px solid var(--primary); }
.interest-dot { background-color: var(--primary); }

/* 10. Services Section */
.services-grid {
    margin-top: 30px;
}

.service-card {
    background-color: var(--bg-white);
    border: 1px solid rgba(11, 34, 101, 0.05);
    border-radius: var(--border-radius-md);
    padding: 36px 28px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-smooth);
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.service-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 4px;
    background: var(--gold-gradient);
    transition: var(--transition-fast);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(204, 164, 59, 0.2);
}

.service-card:hover::after {
    width: 100%;
}

.service-icon {
    font-size: 2rem;
    color: var(--accent);
    background-color: rgba(204, 164, 59, 0.1);
    width: 60px;
    height: 60px;
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    transition: var(--transition-fast);
}

.service-card:hover .service-icon {
    background-color: var(--primary);
    color: var(--bg-white);
    transform: scale(1.05);
}

.service-card h3 {
    font-size: 1.25rem;
    margin-bottom: 4px;
}

.service-hindi-title {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--accent);
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.service-desc-text {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 20px;
    line-height: 1.5;
    flex-grow: 1;
}

.service-features {
    margin-bottom: 24px;
    width: 100%;
}

.service-features li {
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--text-main);
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 8px;
}

.service-features li i {
    color: var(--success);
    font-size: 0.75rem;
}

/* 11. Why Choose Us Section */
.wcu-grid {
    margin-top: 30px;
}

.wcu-card {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    padding: 40px;
    border: 1px solid rgba(11, 34, 101, 0.03);
    box-shadow: var(--shadow-sm);
    position: relative;
    transition: var(--transition-smooth);
}

.wcu-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.wcu-icon-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 28px;
}

.wcu-icon-wrapper i {
    font-size: 2.2rem;
}

.icon-speed { color: #f59e0b; }
.icon-interest { color: #10b981; }
.icon-trusted { color: #3b82f6; }
.icon-document { color: #8b5cf6; }
.icon-pan { color: #ec4899; }
.icon-partners { color: #6366f1; }

.wcu-num {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--bg-gray);
    font-family: 'Poppins', sans-serif;
}

.wcu-card h3 {
    font-size: 1.25rem;
    margin-bottom: 2px;
}

.wcu-hindi-title {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--accent);
    margin-bottom: 16px;
}

.wcu-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* 12. Banking Partners Section styling */
.partners-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.partner-card {
    background-color: var(--bg-white);
    border: 1px solid var(--bg-gray);
    border-radius: var(--border-radius-sm);
    padding: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-smooth);
    cursor: pointer;
    box-shadow: var(--shadow-sm);
}

.partner-card:hover {
    transform: scale(1.03);
    box-shadow: var(--shadow-md);
    border-color: rgba(11, 34, 101, 0.15);
}

.partner-logo {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 10px;
    text-align: center;
}

.partner-name {
    font-size: 0.75rem;
    color: var(--text-muted);
    font-weight: 600;
}

.partner-short {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--primary-dark);
}

/* Stylized Logo Icons (Vector Mockups) */
.circle-logo {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    color: white;
}

.square-logo {
    width: 48px;
    height: 48px;
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 4px;
}

.logo-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: white;
    font-weight: 800;
}

.text-logo {
    height: 48px;
    display: flex;
    align-items: center;
    font-size: 1.6rem;
    font-weight: 800;
    gap: 2px;
}

/* Partner Styling Utilities */
.sbi-blue { background-color: #00b8e6; position: relative; }
.sbi-blue .bank-dot { width: 14px; height: 14px; background-color: white; border-radius: 50%; display: block; border: 3px solid #0056b3; }

.hdfc-blue { background-color: #003366; border: 2.5px solid #003366; }
.hdfc-bar { width: 8px; height: 100%; border-radius: 2px; }
.hdfc-bar.red { background-color: #ee1c25; }
.hdfc-bar.blue { background-color: white; }

.icici-orange { color: #f37021; }
.axis-maroon { background-color: #97144d; }
.kotak-red { background-color: #e61a22; }

.pnb-yellow { background-color: #800000; font-family: 'Poppins', sans-serif; border: 2px solid #ffd700; }

.bob-orange { background-color: #f05a28; font-family: 'Poppins', sans-serif; gap: 2px; }

.bajaj-blue { background-color: #005ea6; }
.tata-blue { background-color: #0082c9; }
.idfc-red { color: #9c2743; }

.au-gold { background-color: #ff9900; }
.au-logo-txt { color: white; font-size: 0.95rem; font-weight: 800; }

.aditya-yellow { background-color: #ea580c; }

/* 13. Become Partner CTA Section styling */
.become-partner-section {
    position: relative;
    padding: 100px 0;
    background: var(--blue-gradient);
    color: white;
    overflow: hidden;
}

.cta-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle at 80% 20%, rgba(204, 164, 59, 0.2) 0%, transparent 60%);
    z-index: 1;
}

.become-partner-container {
    position: relative;
    z-index: 2;
}

.cta-content h2 {
    font-size: 2.8rem;
    color: white;
    margin-bottom: 20px;
    line-height: 1.2;
}

.cta-content p {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 36px;
    line-height: 1.7;
}

.cta-btns {
    display: flex;
    justify-content: flex-start;
    gap: 20px;
}

.cta-image-container {
    display: flex;
    justify-content: center;
    align-items: center;
}

.bp-img-wrapper {
    position: relative;
    width: 100%;
    max-width: 440px;
    border-radius: var(--border-radius-md);
    overflow: visible;
}

.bp-main-img {
    width: 100%;
    height: auto;
    border-radius: var(--border-radius-md);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.3);
    border: 3px solid rgba(255, 255, 255, 0.15);
    transition: var(--transition-smooth);
}

.bp-main-img:hover {
    transform: translateY(-5px);
    box-shadow: 0 20px 40px rgba(204, 164, 59, 0.25);
}

/* 14. Contact Section styling */
.contact-wrapper {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 40px;
    align-items: stretch;
}

.contact-info-column {
    display: flex;
}

.contact-card {
    background-color: var(--primary-dark);
    color: white;
    padding: 50px;
    border-radius: var(--border-radius-md);
    width: 100%;
    display: flex;
    flex-direction: column;
}

.contact-card h3 {
    color: white;
    font-size: 1.5rem;
    margin-bottom: 12px;
}

.contact-card-intro {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.95rem;
    margin-bottom: 36px;
}

.info-list {
    display: flex;
    flex-direction: column;
    gap: 30px;
    flex-grow: 1;
    margin-bottom: 36px;
}

.info-item {
    display: flex;
    align-items: flex-start;
    gap: 20px;
}

.info-icon {
    width: 46px;
    height: 46px;
    border-radius: var(--border-radius-sm);
    background-color: rgba(255, 255, 255, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
    font-size: 1.25rem;
    flex-shrink: 0;
    transition: var(--transition-fast);
}

.info-item:hover .info-icon {
    background-color: var(--accent);
    color: var(--primary-dark);
}

.info-icon.icon-wa {
    color: #25d366;
}
.info-item:hover .info-icon.icon-wa {
    background-color: #25d366;
    color: white;
}

.info-details {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.info-details span {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.5);
    text-transform: uppercase;
    font-weight: 600;
}

.info-details a, .info-details p {
    font-size: 1.05rem;
    font-weight: 600;
    line-height: 1.4;
}

.info-details a:hover {
    color: var(--accent);
}

.working-hours {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 24px;
}

.working-hours h4 {
    color: var(--accent);
    font-size: 1rem;
    margin-bottom: 12px;
}

.working-hours p {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 6px;
}

/* Contact Form Side styling */
.contact-form-column {
    background-color: var(--bg-white);
    border: 1px solid var(--bg-gray);
    padding: 50px;
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-md);
}

.contact-form h3 {
    font-size: 1.5rem;
    margin-bottom: 8px;
}

.form-desc {
    color: var(--text-muted);
    font-size: 0.9rem;
    margin-bottom: 32px;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-bottom: 30px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group.full-width {
    grid-column: span 2;
}

.form-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary-dark);
}

.form-group label .required {
    color: var(--error);
}

.input-wrapper {
    display: flex;
    align-items: center;
    border: 1.5px solid var(--bg-gray);
    border-radius: var(--border-radius-sm);
    background-color: var(--bg-light);
    position: relative;
    transition: var(--transition-fast);
}

.input-wrapper:focus-within {
    border-color: var(--primary);
    background-color: var(--bg-white);
    box-shadow: 0 0 0 3px rgba(11, 34, 101, 0.1);
}

.input-icon {
    position: absolute;
    left: 16px;
    color: var(--text-light);
    font-size: 0.95rem;
}

.input-wrapper input, .input-wrapper select, .input-wrapper textarea {
    width: 100%;
    padding: 12px 16px 12px 42px;
    font-weight: 500;
    color: var(--text-main);
    background: transparent;
    -webkit-appearance: none;
}

.input-wrapper select {
    cursor: pointer;
}

/* Custom indicator for dropdown */
.input-wrapper select + ::after {
    content: '';
}

.text-area-wrapper {
    align-items: flex-start;
}

.text-area-icon {
    top: 16px;
}

.input-wrapper textarea {
    padding-top: 14px;
    resize: none;
}

/* 15. Footer Section styling */
.footer {
    background-color: var(--primary-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 20px 0;
    border-top: 4px solid var(--accent);
}

.footer h3 {
    color: white;
    font-size: 1.15rem;
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 10px;
}

.footer h3::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 35px;
    height: 3px;
    background: var(--gold-gradient);
    border-radius: 2px;
}

.footer-about-col {
    padding-right: 20px;
}

.footer-logo {
    display: inline-flex;
    font-size: 1.8rem;
    font-weight: 800;
    margin-bottom: 20px;
}

.footer-desc {
    font-size: 0.85rem;
    line-height: 1.6;
    margin-bottom: 24px;
}

.social-icons {
    display: flex;
    gap: 12px;
}

.social-icons a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.08);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.95rem;
}

.social-icons a:hover {
    background-color: var(--accent);
    color: var(--primary-dark);
    transform: translateY(-2px);
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-links a {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.7);
    display: flex;
    align-items: center;
    gap: 8px;
}

.footer-links a::before {
    content: '\f105';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    font-size: 0.8rem;
    color: var(--accent);
    transition: var(--transition-fast);
}

.footer-links a:hover {
    color: white;
    padding-left: 6px;
}

.footer-contact-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.85rem;
}

.footer-contact-list li i {
    color: var(--accent);
    font-size: 1rem;
    margin-top: 3px;
}

.footer-contact-list a:hover {
    color: white;
}

/* Disclaimer & Footer Bottom styling */
.footer-bottom {
    margin-top: 60px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 30px;
}

.footer-disclaimer {
    background-color: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.05);
    padding: 16px 20px;
    border-radius: var(--border-radius-sm);
    font-size: 0.75rem;
    line-height: 1.6;
    margin-bottom: 24px;
}

.footer-copyright-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.5);
}

/* 16. Floating WhatsApp Button styling */
.whatsapp-float-widget {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 60px;
    height: 60px;
    background-color: #25d366;
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.2rem;
    box-shadow: 0 4px 15px rgba(37, 211, 102, 0.4);
    z-index: 99;
    cursor: pointer;
    transition: var(--transition-fast);
    animation: wa-pulse 2s infinite;
}

.whatsapp-float-widget:hover {
    transform: scale(1.1);
    background-color: #20ba5a;
}

/* Tooltip on Whatsapp hover */
.whatsapp-float-widget .tooltip-text {
    visibility: hidden;
    position: absolute;
    right: 75px;
    background-color: var(--primary-dark);
    color: white;
    padding: 6px 14px;
    border-radius: 4px;
    font-size: 0.8rem;
    font-weight: 600;
    white-space: nowrap;
    opacity: 0;
    transition: opacity 0.3s;
    box-shadow: var(--shadow-sm);
}

.whatsapp-float-widget:hover .tooltip-text {
    visibility: visible;
    opacity: 1;
}

@keyframes wa-pulse {
    0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.5); }
    70% { box-shadow: 0 0 0 15px rgba(37, 211, 102, 0); }
    100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
}

/* Mobile Sticky Bottom CTA Bar styling (Hidden by default) */
.mobile-bottom-cta {
    display: none;
}

/* 17. Modal Systems styling */
.modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.modal.active {
    opacity: 1;
    pointer-events: all;
}

.modal-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(6, 17, 51, 0.7);
    backdrop-filter: blur(4px);
}

.modal-wrapper {
    position: relative;
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    width: 90%;
    max-width: 520px;
    max-height: 90vh;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
    z-index: 2;
    transform: translateY(30px);
    transition: transform 0.3s ease;
    border: 1px solid rgba(11, 34, 101, 0.1);
}

.modal.active .modal-wrapper {
    transform: translateY(0);
}

.modal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 30px;
    border-bottom: 1.5px solid var(--bg-gray);
    position: sticky;
    top: 0;
    background-color: var(--bg-white);
    z-index: 3;
}

.modal-header h2 {
    font-size: 1.3rem;
}

.modal-close {
    font-size: 2rem;
    color: var(--text-light);
    cursor: pointer;
    line-height: 1;
}

.modal-close:hover {
    color: var(--error);
}

.modal-body {
    padding: 30px;
}

.modal-intro-text {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 24px;
    line-height: 1.5;
}

.modal-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.modal-submit-btn {
    margin-top: 10px;
}

/* Success Toast Notifications styling */
.toast-container {
    position: fixed;
    top: 30px;
    right: 30px;
    z-index: 1100;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.toast {
    background-color: var(--primary-dark);
    color: white;
    border-left: 5px solid var(--accent);
    padding: 16px 24px;
    border-radius: var(--border-radius-sm);
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 16px;
    transform: translateX(120%);
    transition: transform 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    min-width: 320px;
    max-width: 420px;
}

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

.toast-icon {
    font-size: 1.5rem;
    color: var(--accent);
}

.toast-details h4 {
    color: white;
    font-size: 0.95rem;
    margin-bottom: 2px;
}

.toast-details p {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.7);
}

.toast-close {
    margin-left: auto;
    font-size: 1.2rem;
    cursor: pointer;
    color: rgba(255, 255, 255, 0.4);
}

.toast-close:hover {
    color: white;
}

/* 18. Scroll Animation Classes */
.reveal {
    opacity: 0;
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.reveal-left {
    opacity: 0;
    transform: translateX(-40px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.reveal-right {
    opacity: 0;
    transform: translateX(40px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.reveal.active, .reveal-left.active, .reveal-right.active {
    opacity: 1;
    transform: translate(0);
}

/* Initial CSS Entry Animation helpers */
.fade-in {
    opacity: 0;
    animation: fadeIn 0.8s forwards ease-out;
}

.fade-in-right {
    opacity: 0;
    transform: translateX(50px);
    animation: fadeInRight 0.8s forwards ease-out;
}

.delay-1 { animation-delay: 0.2s; }
.delay-2 { animation-delay: 0.4s; }
.delay-3 { animation-delay: 0.6s; }
.delay-4 { animation-delay: 0.8s; }

@keyframes fadeIn {
    to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeInRight {
    to { opacity: 1; transform: translateX(0); }
}

/* ==========================================================================
   19. Responsive Media Queries
   ========================================================================== */

/* Large Tablets & Desktop (992px to 1200px) */
@media (max-width: 1200px) {
    .container {
        max-width: 960px;
    }
    
    .hero-title {
        font-size: 2.8rem;
    }
    
    .grid-4 {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .partners-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* Medium Tablets (768px to 991px) */
@media (max-width: 991px) {
    .container {
        max-width: 720px;
    }
    
    .section-padding {
        padding: 80px 0;
    }
    
    .section-title {
        font-size: 2.1rem;
    }
    
    /* Top Bar adjustments */
    .top-bar-container {
        flex-direction: column;
        gap: 8px;
        text-align: center;
    }
    
    .top-info {
        flex-wrap: wrap;
        justify-content: center;
        gap: 12px;
    }
    
    /* Navbar Hamburger */
    .hamburger {
        display: block;
    }
    
    .hamburger.active .bar:nth-child(2) {
        opacity: 0;
    }
    
    .hamburger.active .bar:nth-child(1) {
        transform: translateY(8px) rotate(45deg);
    }
    
    .hamburger.active .bar:nth-child(3) {
        transform: translateY(-8px) rotate(-45deg);
    }
    
    .nav-menu {
        position: fixed;
        left: -100%;
        top: 110px; /* Topbar + Navbar height roughly */
        flex-direction: column;
        background-color: var(--bg-white);
        width: 100%;
        height: calc(100vh - 110px);
        text-align: center;
        transition: 0.3s;
        box-shadow: 0 10px 15px rgba(0,0,0,0.05);
        gap: 16px;
        padding: 40px 24px;
        z-index: 99;
        overflow-y: auto;
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .nav-link {
        font-size: 1.15rem;
        display: block;
        padding: 12px 0;
    }
    
    .nav-apply-btn {
        display: none; /* Hide desktop CTA */
    }
    
    .mobile-cta-li {
        display: block;
        margin-top: 24px;
        width: 100%;
    }
    
    .mobile-cta-li button {
        width: 100%;
    }
    
    /* Hero layout stack */
    .hero-container {
        grid-template-columns: 1fr;
        gap: 40px;
        text-align: center;
    }
    
    .hero-content {
        max-width: 100%;
        display: flex;
        flex-direction: column;
        align-items: center;
    }
    
    .hero-title {
        font-size: 2.6rem;
    }
    
    .hero-btns {
        justify-content: center;
    }
    
    .hero-features {
        justify-content: center;
    }
    
    .hero-image-container {
        width: 100%;
    }
    
    /* About grid stack */
    .grid-2 {
        grid-template-columns: 1fr;
    }
    
    .about-images {
        height: 380px;
        margin-bottom: 30px;
    }
    
    .about-content {
        padding-left: 0;
    }
    
    /* Calculator stack */
    .calculator-wrapper {
        grid-template-columns: 1fr;
        padding: 30px;
    }
    
    /* Services & WCU grids */
    .grid-3 {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .grid-4 {
        grid-template-columns: repeat(2, 1fr);
    }
    
    /* Contact wrapper */
    .contact-wrapper {
        grid-template-columns: 1fr;
    }
    
    .contact-form-column {
        padding: 36px;
    }
}

/* Small Screens (Mobile - Up to 767px) */
@media (max-width: 767px) {
    .section-padding {
        padding: 60px 0;
    }
    
    .section-title {
        font-size: 1.8rem;
    }
    
    /* Hide topbar details on mobile, only show CTA maybe or completely hide top bar to save vertical space */
    .top-bar {
        display: none;
    }
    
    .nav-menu {
        top: 70px;
        height: calc(100vh - 70px);
    }
    
    .hero {
        padding: 60px 0;
    }
    
    .hero-title {
        font-size: 2.2rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .hero-btns {
        flex-direction: column;
        width: 100%;
        gap: 12px;
    }
    
    .hero-btns .btn, .hero-btns a {
        width: 100%;
    }
    
    .hero-features {
        flex-direction: column;
        gap: 12px;
        align-items: flex-start;
    }
    
    /* WCU & Services & Partners grid */
    .grid-3 { grid-template-columns: 1fr; }
    .grid-4 { grid-template-columns: 1fr; }
    
    .partners-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }
    
    .calc-results {
        padding: 24px;
    }
    
    .results-grid {
        grid-template-columns: 1fr;
    }
    
    .emi-box {
        grid-column: span 1;
    }
    
    .chart-container {
        flex-direction: column;
        padding: 16px;
    }
    
    .about-features {
        grid-template-columns: 1fr;
    }
    
    .form-grid {
        grid-template-columns: 1fr;
    }
    
    .form-group.full-width {
        grid-column: span 1;
    }
    
    /* Footer layout stack */
    .footer-row {
        grid-template-columns: 1fr !important;
        gap: 36px;
    }
    
    .footer-copyright-row {
        flex-direction: column;
        gap: 10px;
        text-align: center;
    }
    
    /* Float WhatsApp adjustment for mobile bottom cta */
    .whatsapp-float-widget {
        bottom: 90px;
        right: 20px;
        width: 50px;
        height: 50px;
        font-size: 1.8rem;
    }
    
    /* Sticky Mobile Bottom CTA Bar triggers */
    .mobile-bottom-cta {
        display: flex;
        position: fixed;
        bottom: 0;
        left: 0;
        width: 100%;
        height: 65px;
        background-color: var(--primary-dark);
        border-top: 3px solid var(--accent);
        box-shadow: 0 -4px 10px rgba(0,0,0,0.15);
        z-index: 999;
    }
    
    .m-cta-btn {
        flex: 1;
        display: flex;
        flex-direction: column;
        align-items: center;
        justify-content: center;
        color: white;
        font-size: 0.7rem;
        font-weight: 700;
        gap: 4px;
        text-transform: uppercase;
        border-right: 1px solid rgba(255, 255, 255, 0.1);
    }
    
    .m-cta-btn i {
        font-size: 1.2rem;
    }
    
    .m-cta-call {
        background-color: var(--primary);
    }
    
    .m-cta-apply {
        background: var(--gold-gradient);
        color: var(--primary-dark);
    }
    
    .m-cta-wa {
        background-color: #25d366;
        border-right: none;
    }
    
    /* Adjust body padding for mobile sticky bar */
    body {
        padding-bottom: 65px;
    }
    
    /* CTA button stack */
    .cta-btns {
        flex-direction: column;
        gap: 12px;
    }
    
    .cta-btns .btn, .cta-btns a {
        width: 100%;
    }
    
    .modal-wrapper {
        max-height: 85vh;
    }
    
    .modal-body {
        padding: 20px;
    }
}

/* ==========================================================================
   20. Premium Asset Integration & Service Documents Dropdown
   ========================================================================== */
.hero-image-wrapper {
    position: relative;
    width: 100%;
    max-width: 480px;
    margin: 0 auto;
    border-radius: var(--border-radius-lg);
}

.hero-main-img {
    width: 100%;
    height: auto;
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-lg);
    border: 4px solid rgba(255, 255, 255, 0.9);
    transition: var(--transition-smooth);
    display: block;
}

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

.hero-floating-card {
    position: absolute;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.6);
    border-radius: var(--border-radius-sm);
    padding: 12px 18px;
    box-shadow: var(--shadow-md);
    display: flex;
    align-items: center;
    gap: 12px;
    z-index: 5;
}

.hero-floating-card.card-1 {
    top: 30px;
    left: -20px;
    animation: floatAnimation 4s ease-in-out infinite;
}

.hero-floating-card.card-2 {
    bottom: 35px;
    right: -20px;
    animation: floatAnimation 4s ease-in-out infinite 2s;
}

.hero-floating-card .floating-icon {
    width: 36px;
    height: 36px;
    background-color: rgba(11, 34, 101, 0.08);
    color: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
}

.hero-floating-card h4 {
    font-size: 0.85rem;
    color: var(--primary-dark);
    font-weight: 700;
}

.hero-floating-card p {
    font-size: 0.7rem;
    color: var(--text-muted);
}

@keyframes floatAnimation {
    0% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
    100% { transform: translateY(0); }
}

/* About Main Image overlay styles */
.about-main-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition-smooth);
}

.about-images .image-box:hover .about-main-img {
    transform: scale(1.04);
}

/* Documents Toggle Accordion styles */
.docs-toggle-container {
    width: 100%;
    margin-bottom: 20px;
    border-top: 1.5px solid var(--bg-gray);
    padding-top: 14px;
}

.btn-docs-toggle {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--primary);
    cursor: pointer;
    padding: 6px 0;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    transition: var(--transition-fast);
}

.btn-docs-toggle:hover {
    color: var(--accent);
}

.btn-docs-toggle i {
    font-size: 0.8rem;
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.docs-list-collapse {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.docs-list-collapse ul {
    padding: 10px 0 2px 2px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.docs-list-collapse li {
    font-size: 0.78rem;
    font-weight: 550;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 8px;
}

.docs-list-collapse li i {
    color: var(--accent);
    font-size: 0.75rem;
}

/* Responsiveness for Hero Floating Cards */
@media (max-width: 480px) {
    .hero-floating-card.card-1 {
        left: -5px;
        top: 20px;
    }
    .hero-floating-card.card-2 {
        right: -5px;
        bottom: 20px;
    }
}

/* 13b. FAQ Section styling */
.faq-section {
    background-color: var(--bg-light);
}

.faq-wrapper {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.faq-item {
    background-color: var(--bg-white);
    border: 1.5px solid var(--bg-gray);
    border-radius: var(--border-radius-sm);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-fast);
}

.faq-item:hover {
    border-color: rgba(11, 34, 101, 0.15);
    box-shadow: var(--shadow-md);
}

.faq-question {
    width: 100%;
    padding: 20px 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    text-align: left;
    font-weight: 600;
    color: var(--primary-dark);
    font-size: 1.05rem;
    cursor: pointer;
    background-color: var(--bg-white);
    transition: var(--transition-fast);
}

.faq-question:hover {
    color: var(--accent);
}

.faq-question i {
    font-size: 0.95rem;
    color: var(--text-light);
    transition: transform 0.3s ease;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    background-color: var(--bg-light);
}

.faq-answer p {
    padding: 24px 28px;
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.6;
    border-top: 1px solid var(--bg-gray);
}

.faq-item.active {
    border-color: rgba(204, 164, 59, 0.3);
}

.faq-item.active .faq-question {
    color: var(--primary);
    background-color: rgba(11, 34, 101, 0.02);
}

.faq-item.active .faq-question i {
    transform: rotate(45deg);
    color: var(--accent);
}

/* Responsive adjustments for new split layouts */
@media (max-width: 991px) {
    .bp-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .become-partner-section {
        text-align: center;
    }
    .become-partner-section .cta-content h2 {
        font-size: 2.2rem;
    }
    .become-partner-section .cta-btns {
        justify-content: center;
    }
    .become-partner-section .cta-image-container {
        margin-top: 40px;
    }
}