/* ============================================================
   BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; }
:root {
  --background: #F7FAF8;
  --foreground: #1A2420;
  --gradient-hero: linear-gradient(165deg, #FFFFFF 0%, #F3F7F5 45%, #EAF3EE 100%);
  --gradient-blue: linear-gradient(135deg, #145C3E 0%, #0F3D32 100%);
  --gradient-gold: linear-gradient(90deg, #A8892E 0%, #C4A84A 100%);
  --koskot-forest: #145C3E;
  --koskot-forest-dark: #0F3D32;
  --koskot-gold: #A8892E;
  --koskot-gold-light: #C4A84A;
}
html { scroll-behavior: smooth; }
body { margin: 0; padding: 0; background: var(--background); color: var(--foreground); font-family: 'DM Sans', Arial, Helvetica, sans-serif; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* ============================================================
   UTILITIES
   ============================================================ */
.text-gradient-gold { background: var(--gradient-gold); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.text-gradient-blue { background: var(--gradient-blue); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.btn-primary { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.875rem 2rem; background: var(--gradient-blue); color: #fff; font-family: 'DM Sans', sans-serif; font-weight: 700; border-radius: 9999px; text-decoration: none; box-shadow: 0 4px 20px rgba(20, 92, 62, 0.3); transition: transform 0.2s, box-shadow 0.2s; border: none; cursor: pointer; }
.btn-primary:hover { transform: translateY(-3px) scale(1.03); box-shadow: 0 8px 25px rgba(20, 92, 62, 0.5); }
.btn-primary:active { transform: translateY(0) scale(0.98); }
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.8s ease, transform 0.8s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.desktop-only-grid { display: grid !important; }
.mobile-only-swiper { display: none !important; }
@media (max-width: 768px) { .desktop-only-grid { display: none !important; } .mobile-only-swiper { display: block !important; } }
.swiper-container-padding { padding: 1.5rem 0.5rem !important; margin: -1.5rem -0.5rem !important; position: relative; }

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; transition: all 0.4s ease; background: transparent; }
.navbar.scrolled { background: rgba(255,255,255,0.98); backdrop-filter: blur(10px); border-bottom: 1px solid rgba(0,33,71,0.05); }
.nav-container { max-width: 1250px; margin: 0 auto; padding: 0 clamp(1rem, 3vw, 1.5rem); display: flex; align-items: center; justify-content: space-between; gap: 40px; height: 60px; }
.nav-logo img { height: clamp(48px, 8vw, 60px); transition: height 0.3s; }
.nav-links { display: flex; gap: clamp(0.8rem, 2vw, 1.75rem); align-items: center; }
.nav-links a { font-family: 'DM Sans', sans-serif; color: #002147; text-decoration: none; font-size: clamp(0.85rem, 1vw, 0.95rem); font-weight: 600; transition: color 0.2s; white-space: nowrap; position: relative; }
.nav-links a::after { content: ''; position: absolute; width: 0; height: 2px; bottom: -4px; left: 0; background: var(--gradient-blue); transition: width 0.3s cubic-bezier(0.25, 0.8, 0.25, 1); border-radius: 2px; }
.nav-links a:hover::after { width: 100%; }
.nav-cibil { display: inline-flex; align-items: center; gap: 0.35rem; color: #0284C7 !important; font-weight: 700 !important; padding: 0.4rem 0.75rem; border-radius: 9999px; border: 1px solid rgba(2,132,199,0.3); background: rgba(2,132,199,0.06); }
.nav-cibil::after { display: none !important; }
.nav-apply { padding: 0.55rem clamp(1rem, 1.5vw, 1.5rem) !important; font-size: 0.85rem !important; white-space: nowrap; flex-shrink: 0; }
.mobile-menu-btn { display: none; background: none; border: none; cursor: pointer; color: #002147; padding: 0.5rem; }
.mobile-menu { background: #ffffff; border-top: 1px solid rgba(0,33,71,0.05); padding: 1rem; display: flex; flex-direction: column; gap: 0.75rem; box-shadow: 0 10px 20px rgba(0,0,0,0.05); }
.mobile-menu a { color: #002147; text-decoration: none; font-size: 1.1rem; font-weight: 600; padding: 0.5rem; }
@media (max-width: 1024px) { .nav-links { display: none; } .mobile-menu-btn { display: block; } }
.hidden { display: none !important; }

/* ============================================================
   HERO
   ============================================================ */
.hero-section { position: relative; min-height: 100vh; display: block; padding: 9rem 1.25rem 3rem; overflow: hidden; background: linear-gradient(180deg, #FDFBF7 0%, #FFFFFF 50%, #F4F8F4 100%); }
.hero-top-label { position: absolute; top: 1.5rem; left: 2rem; display: flex; align-items: center; gap: 0.7rem; z-index: 5; }
.hero-top-label__line { display: block; width: 46px; height: 1px; background: linear-gradient(90deg, transparent, #A8892E); }
.hero-top-label__text { font-family: 'DM Sans', sans-serif; font-size: 0.66rem; letter-spacing: 0.44em; text-transform: uppercase; color: #0F3D32; font-weight: 700; opacity: 0.85; }
.hero-ribbons { position: absolute; top: 0; left: 0; width: 100%; height: 100%; z-index: 1; pointer-events: none; }
.hero-halo { position: absolute; top: 45%; left: 50%; transform: translate(-50%, -50%); width: min(500px, 70vw); aspect-ratio: 1; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,0.85) 0%, rgba(255,255,255,0.3) 50%, transparent 75%); filter: blur(6px); z-index: 1; pointer-events: none; }
.hero-network { position: absolute; top: 0; left: 0; width: 100%; height: 100%; opacity: 0.25; z-index: 2; pointer-events: none; animation: hero-network-drift 22s ease-in-out infinite; }
.hero-particles { position: absolute; top: 0; left: 0; width: 100%; height: 100%; z-index: 2; pointer-events: none; }
.hero-inner { position: relative; z-index: 10; max-width: 1280px; margin: 0 auto; width: 100%; padding-top: 2rem; }
.hero-grid { display: grid; grid-template-columns: 1fr; align-items: center; gap: 1.25rem; }
.hero-side-pillars { display: none; list-style: none; margin: 0; padding: 0; flex-direction: column; gap: 1.6rem; align-self: center; }
.hero-side-pillars--right { align-items: flex-end; }
.hero-side-pillars__item { display: flex; align-items: center; gap: 0.8rem; font-family: 'DM Sans', sans-serif; font-size: 0.75rem; letter-spacing: 0.25em; text-transform: uppercase; color: #0F3D32; font-weight: 700; white-space: nowrap; opacity: 0.85; }
.hero-side-pillars--right .hero-side-pillars__item { text-align: right; }
.hero-dot { width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0; }
.hero-dot--gold { background: #A8892E; }
.hero-dot--green { background: #145C3E; }
.hero-center { text-align: center; min-width: 0; width: 100%; justify-self: center; display: flex; flex-direction: column; align-items: center; }
.hero-infinity { width: min(110px, 30vw); margin: 0 auto 0.5rem; animation: hero-logo-breathe 6s ease-in-out infinite; }
.hero-brand { display: block; margin: 0 0 0.5rem; font-family: 'Playfair Display', Georgia, serif; font-size: clamp(4rem, 14vw, 8.5rem); font-weight: 900; line-height: 0.9; letter-spacing: -0.03em; color: #0F3D32 !important; -webkit-text-fill-color: #0F3D32 !important; text-align: center; }
.hero-solutions { display: flex; align-items: center; justify-content: center; gap: 1rem; margin: 0.5rem auto 1.5rem; width: 100%; max-width: 450px; }
.hero-solutions__word { font-family: 'DM Sans', sans-serif; font-size: clamp(0.75rem, 1.5vw, 0.9rem); font-weight: 700; letter-spacing: 0.5em; text-transform: uppercase; color: #A8892E !important; -webkit-text-fill-color: #A8892E !important; }
.hero-solutions__line { display: block; flex: 1; height: 1px; background: linear-gradient(90deg, transparent, #A8892E, transparent); }
.hero-tagline { font-family: 'DM Sans', sans-serif; font-size: clamp(0.75rem, 1.5vw, 0.88rem); font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; color: #0F3D32 !important; -webkit-text-fill-color: #0F3D32 !important; margin: 0 0 0.8rem; }
.hero-script { font-family: 'Great Vibes', cursive; font-size: clamp(2rem, 4.5vw, 2.8rem); color: #A8892E !important; -webkit-text-fill-color: #A8892E !important; margin: 0 auto 1.5rem; line-height: 1.1; }
.hero-desc { font-family: 'DM Sans', sans-serif; font-size: clamp(0.95rem, 1.8vw, 1.05rem); color: rgba(26, 36, 32, 0.7) !important; -webkit-text-fill-color: rgba(26, 36, 32, 0.7) !important; line-height: 1.6; max-width: 520px; margin: 0 auto 2.5rem; }
.hero-ctas { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.hero-cta-primary { display: inline-flex; align-items: center; justify-content: center; padding: 1rem 2.5rem; background: #0F3D32; color: #ffffff !important; -webkit-text-fill-color: #ffffff !important; font-family: 'DM Sans', sans-serif; font-weight: 700; font-size: 1rem; border-radius: 9999px; border: none; cursor: pointer; box-shadow: 0 10px 25px rgba(15, 61, 50, 0.2); transition: transform 0.2s, box-shadow 0.2s; }
.hero-cta-primary:hover { transform: translateY(-2px); box-shadow: 0 15px 35px rgba(15, 61, 50, 0.3); }
.hero-cta-secondary { display: inline-flex; align-items: center; gap: 0.6rem; padding: 1rem 2.5rem; background: #ffffff; color: #0F3D32 !important; -webkit-text-fill-color: #0F3D32 !important; font-family: 'DM Sans', sans-serif; font-weight: 700; font-size: 1rem; border-radius: 9999px; text-decoration: none; border: 1.5px solid rgba(168, 137, 46, 0.4); transition: transform 0.2s, border-color 0.2s, box-shadow 0.2s; }
.hero-cta-secondary:hover { transform: translateY(-2px); border-color: #A8892E; box-shadow: 0 10px 25px rgba(168, 137, 46, 0.1); }
.hero-strip { margin: 3.5rem auto 0; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 0.8rem 2rem; padding: 1.2rem 1rem; border-top: 1px solid rgba(15, 61, 50, 0.1); border-bottom: 1px solid rgba(15, 61, 50, 0.1); max-width: 900px; }
.hero-strip > span:not(.hero-strip__sep) { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; color: #0F3D32 !important; -webkit-text-fill-color: #0F3D32 !important; }
.hero-strip__sep { display: block; width: 1px; height: 16px; background: rgba(15, 61, 50, 0.2); }
@keyframes hero-logo-breathe { 0%, 100% { transform: translateY(0) scale(1); } 50% { transform: translateY(-6px) scale(1.02); } }
@keyframes hero-network-drift { 0%, 100% { transform: translate(0, 0) scale(1); } 50% { transform: translate(-1%, 1%) scale(1.01); } }
@keyframes hero-node-pulse { 0%, 100% { opacity: 0.35; } 50% { opacity: 0.95; } }
.hero-node-pulse { animation: hero-node-pulse 3.2s ease-in-out infinite; }
.hero-particle { position: absolute; bottom: -5%; width: 6px; height: 6px; border-radius: 50%; pointer-events: none; animation: hero-particle-rise linear infinite; }
@keyframes hero-particle-rise { 0% { transform: translateY(0) scale(1); opacity: 0; } 12% { opacity: 0.85; } 80% { opacity: 0.3; } 100% { transform: translateY(-115vh) scale(0.35); opacity: 0; } }
@media (min-width: 960px) { .hero-grid { grid-template-columns: 1fr minmax(500px, auto) 1fr; gap: 2rem; } .hero-side-pillars { display: flex; } }
@media (max-width: 959px) { .hero-section { padding: 6rem 1rem 2.25rem; } .hero-top-label { top: 1rem; left: 1rem; } .hero-top-label__line { width: 26px; } }
@media (max-width: 640px) { .hero-brand { font-size: clamp(3.5rem, 18vw, 5rem); } .hero-ctas { flex-direction: column; align-items: stretch; max-width: 320px; margin: 0 auto; } .hero-cta-primary, .hero-cta-secondary { justify-content: center; padding: 1rem 1.5rem; } .hero-strip { gap: 0.5rem 1rem; } .hero-strip > span:not(.hero-strip__sep) { font-size: 0.65rem; letter-spacing: 0.2em; } }

/* ============================================================
   PARTNERS (Sticky Sections)
   ============================================================ */
.partners-section { position: relative; }
.partner-card { position: sticky; top: 0; height: 130vh; min-height: 100svh; display: flex; align-items: center; overflow: hidden; background-size: cover; background-position: center; background-repeat: no-repeat; }
.partner-content { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.partner-content > div { max-width: 640px; }
.partner-eyebrow { margin: 0; font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--koskot-gold-light); }
.partner-title { margin: 0.85rem 0 1.1rem; font-family: 'Playfair Display', Georgia, serif; font-size: clamp(2.35rem, 6vw, 4.25rem); font-weight: 700; line-height: 1.08; color: #ffffff; letter-spacing: -0.02em; }
.partner-line { width: 72px; height: 3px; border-radius: 2px; background: rgba(168, 137, 46, 0.5); margin-bottom: 1.25rem; }
.partner-desc { margin: 0; max-width: 520px; font-family: 'DM Sans', sans-serif; font-size: clamp(1rem, 2.2vw, 1.2rem); line-height: 1.7; color: rgba(255, 255, 255, 0.9); font-weight: 400; }

/* ============================================================
   SERVICES (Loans)
   ============================================================ */
.svc-section { position: relative; overflow: hidden; padding: clamp(3rem, 6vw, 5rem) clamp(1rem, 3.5vw, 1.5rem); background: radial-gradient(ellipse 55% 40% at 90% 0%, rgba(168, 137, 46, 0.08), transparent 60%), radial-gradient(ellipse 50% 45% at 0% 100%, rgba(42, 138, 102, 0.08), transparent 55%), linear-gradient(165deg, #FFFFFF 0%, #F5F8F6 50%, #EEF4F1 100%); }
.svc-section__glow { position: absolute; border-radius: 50%; pointer-events: none; }
.svc-section__glow--top { top: 5%; right: -8%; width: min(320px, 50vw); height: min(320px, 50vw); background: radial-gradient(circle, rgba(168, 137, 46, 0.12) 0%, transparent 70%); }
.svc-section__glow--bottom { bottom: -6%; left: -6%; width: min(360px, 55vw); height: min(360px, 55vw); background: radial-gradient(circle, rgba(42, 138, 102, 0.12) 0%, transparent 70%); }
.svc-section__inner { position: relative; z-index: 1; max-width: 1080px; margin: 0 auto; }
.svc-header { text-align: center; margin: 0 auto 2rem; max-width: 560px; }
.svc-header__label { font-size: 0.7rem; letter-spacing: 0.3em; text-transform: uppercase; color: var(--koskot-gold); font-weight: 600; margin: 0 0 0.7rem; }
.svc-header__title { font-family: 'Playfair Display', serif; font-size: clamp(1.65rem, 4vw, 2.4rem); color: var(--koskot-forest-dark); margin: 0 0 0.7rem; font-weight: 800; line-height: 1.2; }
.svc-header__title em { font-style: italic; font-weight: 700; color: var(--koskot-gold); }
.svc-header__copy { color: rgba(26, 36, 32, 0.68); font-size: 0.95rem; line-height: 1.6; margin: 0 auto; max-width: 40ch; }
.svc-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; }
.svc-card { display: flex; flex-direction: column; height: 100%; overflow: hidden; border-radius: 1rem; background: #fff; border: 1px solid rgba(15, 61, 50, 0.08); box-shadow: 0 12px 32px rgba(15, 61, 50, 0.06); transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s; }
.svc-card:hover { transform: translateY(-5px); box-shadow: 0 20px 44px rgba(15, 61, 50, 0.1); border-color: rgba(168, 137, 46, 0.35); }
.svc-card__media { position: relative; overflow: hidden; height: 140px; flex-shrink: 0; }
.svc-card__img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.55s; }
.svc-card:hover .svc-card__img { transform: scale(1.06); }
.svc-card__shade { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 35%, rgba(15, 61, 50, 0.28) 100%); pointer-events: none; }
.svc-card__num { position: absolute; top: 0.6rem; left: 0.6rem; z-index: 2; font-family: 'Playfair Display', serif; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em; color: var(--koskot-forest-dark); background: rgba(255, 255, 255, 0.88); border: 1px solid rgba(168, 137, 46, 0.28); backdrop-filter: blur(6px); padding: 0.2rem 0.5rem; border-radius: 999px; }
.svc-card__body { display: flex; flex-direction: column; flex: 1; padding: 0.95rem 1rem 1.05rem; }
.svc-card__tagline { font-size: 0.65rem; font-weight: 600; color: var(--koskot-gold); letter-spacing: 0.08em; text-transform: uppercase; margin: 0 0 0.3rem; }
.svc-card__title { font-family: 'Playfair Display', serif; font-size: 1.12rem; font-weight: 800; color: var(--koskot-forest-dark); margin: 0 0 0.4rem; line-height: 1.25; }
.svc-card__desc { color: #52606d; font-size: 0.82rem; line-height: 1.55; margin: 0 0 0.7rem; flex: 1; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.svc-card__chips { display: flex; flex-wrap: wrap; gap: 0.3rem; list-style: none; padding: 0; margin: 0 0 0.85rem; }
.svc-card__chips li { font-size: 0.6rem; font-weight: 600; letter-spacing: 0.03em; text-transform: uppercase; color: var(--koskot-forest); background: rgba(20, 92, 62, 0.07); border: 1px solid rgba(20, 92, 62, 0.1); padding: 0.22rem 0.45rem; border-radius: 999px; }
.svc-card__actions { display: flex; gap: 0.45rem; margin-top: auto; }
.svc-card__cta { flex: 1; padding: 0.6rem 0.75rem; border: none; border-radius: 0.55rem; background: var(--koskot-forest-dark); color: #F7F5F0; font-weight: 600; font-size: 0.8rem; cursor: pointer; transition: background 0.2s, transform 0.2s; }
.svc-card__cta:hover { background: var(--koskot-forest); transform: translateY(-1px); }
.svc-card__wa { width: 40px; display: flex; align-items: center; justify-content: center; background: rgba(37, 211, 102, 0.12); color: #25d366; border-radius: 0.55rem; flex-shrink: 0; transition: background 0.2s, transform 0.2s; }
.svc-card__wa:hover { background: rgba(37, 211, 102, 0.22); transform: translateY(-1px); }
@media (min-width: 560px) { .svc-grid { grid-template-columns: repeat(2, 1fr); gap: 1.1rem; } }
@media (min-width: 900px) { .svc-grid { grid-template-columns: repeat(3, 1fr); gap: 1.15rem; } .svc-card__media { height: 150px; } .svc-header { margin-bottom: 2.4rem; } }

/* ============================================================
   EMI / GST CALCULATOR
   ============================================================ */
.emi-section, .gst-section { padding: 6rem 1.5rem; background: linear-gradient(180deg, #F0F9FF 0%, #FFFFFF 100%); position: relative; }
.gst-section { background: linear-gradient(180deg, #FFFFFF 0%, #F0FDF9 50%, #FFFFFF 100%); }
.emi-bg-glow, .gst-bg-glow { position: absolute; top: 0; left: 0; right: 0; height: 240px; background: radial-gradient(ellipse 600px 300px at 50% 0%, rgba(2,132,199,0.06) 0%, transparent 70%); pointer-events: none; }
.gst-bg-glow { background: radial-gradient(ellipse 600px 300px at 50% 0%, rgba(13,148,136,0.06) 0%, transparent 70%); }
.emi-inner, .gst-inner { max-width: 1200px; margin: 0 auto; width: 100%; position: relative; z-index: 1; }
.emi-header, .gst-header { text-align: center; margin-bottom: 4rem; }
.emi-badge, .gst-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: rgba(2,132,199,0.08); padding: 0.35rem 1.25rem; border-radius: 999px; margin-bottom: 1rem; }
.gst-badge { background: rgba(13,148,136,0.08); }
.emi-badge span, .gst-badge span { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; letter-spacing: 0.15em; text-transform: uppercase; color: #0284C7; font-weight: 600; }
.gst-badge span { color: #0D9488; }
.emi-title, .gst-title { font-family: 'Playfair Display', Georgia, serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: #0D234A; margin: 0; }
.emi-title span, .gst-title span { background: linear-gradient(135deg, #0284C7, #38BDF8); -webkit-background-clip: text; -webkit-text-fill-color: transparent; }
.gst-title span { background: linear-gradient(135deg, #0D9488, #2DD4BF); -webkit-background-clip: text; -webkit-text-fill-color: transparent; }
.emi-subtitle, .gst-subtitle { font-family: 'DM Sans', sans-serif; font-size: 1.05rem; color: #64748B; margin-top: 0.75rem; max-width: 500px; margin-left: auto; margin-right: auto; }
.emi-grid { display: grid; grid-template-columns: 380px 1fr; gap: 2.5rem; align-items: start; }
.emi-sticky { position: sticky; top: 7rem; }
.emi-left-panel, .gst-left-panel { background: #FFFFFF; border-radius: 1.5rem; padding: 2rem; box-shadow: 0 8px 40px rgba(0,0,0,0.04); border: 1px solid rgba(13,35,74,0.06); }
.emi-panel-header, .gst-panel-header { display: flex; align-items: center; gap: 0.5rem; margin-bottom: 2rem; padding-bottom: 1rem; border-bottom: 1px solid #F1F5F9; }
.emi-panel-header span, .gst-panel-header span { font-family: 'DM Sans', sans-serif; font-size: 0.9rem; font-weight: 600; color: #0D234A; }
.emi-slider-input { margin-bottom: 1.5rem; }
.emi-input-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 0.5rem; }
.emi-input-row label { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; font-weight: 500; color: #64748B; }
.emi-input-wrap { display: flex; align-items: center; gap: 0.3rem; }
.emi-prefix, .emi-suffix { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 600; color: #94A3B8; }
.emi-input-wrap input { font-family: 'DM Sans', sans-serif; font-size: 0.9rem; font-weight: 700; color: #0D234A; background: #F8FAFC; border: 1px solid #E2E8F0; border-radius: 0.5rem; padding: 0.25rem 0.5rem; width: 90px; text-align: center; outline: none; }
.emi-slider { -webkit-appearance: none; appearance: none; height: 6px; border-radius: 3px; background: #E2E8F0; outline: none; cursor: pointer; width: 100%; }
.emi-slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 20px; height: 20px; border-radius: 50%; background: #0284C7; cursor: pointer; box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.15); transition: transform 0.2s; }
.emi-slider::-webkit-slider-thumb:hover { transform: scale(1.1); }
.emi-slider::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: #0284C7; cursor: pointer; border: none; box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.15); }
.emi-range-labels { display: flex; justify-content: space-between; font-family: 'DM Sans', sans-serif; font-size: 0.72rem; color: #94A3B8; margin-top: 0.15rem; }
.emi-results { display: flex; flex-direction: column; gap: 1.5rem; }
.emi-hero-card { background: linear-gradient(135deg, #0D234A 0%, #0A1D3E 100%); border-radius: 1.5rem; padding: 2rem 2.5rem; border: 1px solid rgba(212,175,55,0.2); position: relative; overflow: hidden; }
.emi-hero-content { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1.5rem; position: relative; z-index: 1; }
.emi-hero-label { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; color: #D4AF37; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 0.25rem; }
.emi-hero-value { font-family: 'Playfair Display', Georgia, serif; font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 800; color: #FFFFFF; letter-spacing: -0.02em; }
.emi-hero-tenure { text-align: right; }
.emi-hero-tenure div:first-child { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; color: #94A3B8; margin-bottom: 0.25rem; }
.emi-hero-tenure div:last-child { font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 600; color: #F0F4F8; }
.emi-donut-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.emi-donut-card { background: #FFFFFF; border-radius: 1.5rem; padding: 1.5rem; border: 1px solid rgba(13,35,74,0.06); box-shadow: 0 4px 20px rgba(0,0,0,0.03); display: flex; flex-direction: column; align-items: center; justify-content: center; }
.emi-legend { display: flex; gap: 1.5rem; margin-top: 0.75rem; }
.emi-legend > div { display: flex; align-items: center; gap: 0.35rem; }
.emi-legend > div > span { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.emi-legend > div > div { display: flex; flex-direction: column; }
.emi-legend > div > div > div { font-family: 'DM Sans', sans-serif; font-size: 0.7rem; color: #94A3B8; line-height: 1.2; }
.emi-legend > div > div > strong { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; font-weight: 600; color: #0D234A; }
.emi-stat-grid { display: flex; flex-direction: column; gap: 0.75rem; }
.stat-card { display: flex; align-items: center; gap: 0.75rem; padding: 0.85rem 1rem; background: #FFFFFF; border-radius: 1rem; border: 1px solid rgba(13,35,74,0.06); box-shadow: 0 2px 10px rgba(0,0,0,0.02); flex: 1; }
.stat-card.gold { background: rgba(212,175,55,0.06); border: 1px solid rgba(212,175,55,0.2); }
.stat-icon { width: 40px; height: 40px; border-radius: 0.75rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.stat-label { font-family: 'DM Sans', sans-serif; font-size: 0.7rem; color: #94A3B8; text-transform: uppercase; letter-spacing: 0.05em; }
.stat-value { font-family: 'DM Sans', sans-serif; font-size: 0.95rem; font-weight: 700; }
.emi-fee-card { background: #FFFFFF; border-radius: 1.5rem; padding: 1.5rem; border: 1px solid rgba(13,35,74,0.06); box-shadow: 0 4px 20px rgba(0,0,0,0.03); }
.emi-fee-header { display: flex; align-items: center; gap: 0.5rem; margin-bottom: 1rem; }
.emi-fee-header span { font-family: 'DM Sans', sans-serif; font-size: 0.9rem; font-weight: 600; color: #0D234A; }
.emi-fee-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(120px, 1fr)); gap: 0.75rem; }
.mini-stat { padding: 0.65rem 0.85rem; background: #F8FAFC; border-radius: 0.75rem; text-align: center; }
.mini-stat-label { font-family: 'DM Sans', sans-serif; font-size: 0.7rem; color: #94A3B8; margin-bottom: 0.15rem; }
.mini-stat-value { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; font-weight: 700; }
.emi-toggle { display: flex; align-items: center; justify-content: center; gap: 0.5rem; padding: 0.85rem; background: #FFFFFF; color: #0D234A; border: 1px solid rgba(13,35,74,0.1); border-radius: 1rem; font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 0.9rem; cursor: pointer; transition: all 0.2s; box-shadow: 0 2px 10px rgba(0,0,0,0.03); }
.emi-table-wrap { background: #FFFFFF; border-radius: 1.5rem; padding: 1.5rem; border: 1px solid rgba(13,35,74,0.06); box-shadow: 0 4px 20px rgba(0,0,0,0.03); overflow-x: auto; }
.emi-table-wrap h4 { font-family: 'Playfair Display', Georgia, serif; font-size: 1.1rem; font-weight: 700; color: #0D234A; margin: 0 0 1rem 0; }
.emi-table-wrap table { width: 100%; border-collapse: collapse; min-width: 500px; font-family: 'DM Sans', sans-serif; font-size: 0.85rem; }
.emi-table-wrap th { padding: 0.6rem 0.75rem; color: #64748B; font-weight: 600; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; text-align: left; border-bottom: 2px solid #E2E8F0; }
.emi-table-wrap td { padding: 0.6rem 0.75rem; border-bottom: 1px solid #F1F5F9; }
.emi-table-wrap tr:hover { background: #F8FAFC; }
/* GST Specific */
.gst-mode-toggle { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; background: #F8FAFC; padding: 0.35rem; border-radius: 0.85rem; border: 1px solid #E2E8F0; margin-bottom: 1.5rem; }
.gst-mode-toggle button { padding: 0.65rem 0.5rem; border-radius: 0.65rem; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 600; background: transparent; color: #64748B; transition: all 0.2s; }
.gst-mode-toggle button.active { background: #0D234A; color: #FFFFFF; box-shadow: 0 2px 8px rgba(13,35,74,0.2); }
.gst-presets { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-top: 0.5rem; }
.gst-presets button { padding: 0.35rem 0.7rem; border-radius: 0.5rem; border: 1px solid #E2E8F0; background: #F8FAFC; color: #64748B; font-family: 'DM Sans', sans-serif; font-size: 0.75rem; font-weight: 600; cursor: pointer; transition: all 0.15s; }
.gst-presets button.active { border-color: rgba(13,148,136,0.4); background: rgba(13,148,136,0.1); color: #0D9488; }
.gst-type-toggle { margin-top: 1.5rem; }
.gst-type-toggle > label { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; font-weight: 500; color: #64748B; display: block; margin-bottom: 0.5rem; }
.gst-type-buttons { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; }
.gst-type-buttons button { padding: 0.75rem 0.65rem; border-radius: 0.85rem; border: 1px solid #E2E8F0; background: #FFFFFF; cursor: pointer; text-align: left; transition: all 0.2s; }
.gst-type-buttons button.active { border-color: rgba(13,148,136,0.35); background: rgba(13,148,136,0.08); }
.gst-type-buttons button div:first-child { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 600; color: #0D234A; }
.gst-type-buttons button.active div:first-child { color: #0D9488; }
.gst-type-buttons button div:last-child { font-family: 'DM Sans', sans-serif; font-size: 0.7rem; color: #94A3B8; margin-top: 0.15rem; }
@media (max-width: 900px) { .emi-grid { grid-template-columns: 1fr !important; } .emi-sticky { position: static; } }
@media (max-width: 640px) { .emi-grid { gap: 1.25rem !important; } .emi-left-panel, .gst-left-panel { padding: 1.25rem !important; } .emi-hero-card { padding: 1.25rem 1.5rem !important; } .emi-hero-tenure { text-align: left !important; } .emi-donut-summary { grid-template-columns: 1fr !important; } .emi-donut-card { padding: 1rem !important; } .emi-donut-card svg { width: 130px !important; height: 130px !important; } .emi-stat-grid { display: grid !important; grid-template-columns: 1fr 1fr !important; gap: 0.5rem !important; } .emi-fee-grid { grid-template-columns: repeat(2, 1fr) !important; } }

/* ============================================================
   ABOUT
   ============================================================ */
.about-section { position: relative; overflow: hidden; padding: clamp(4.5rem, 9vw, 7.5rem) 1.5rem; background: radial-gradient(ellipse 65% 45% at 12% 10%, rgba(168, 137, 46, 0.1), transparent 55%), radial-gradient(ellipse 55% 40% at 88% 88%, rgba(42, 138, 102, 0.1), transparent 60%), linear-gradient(165deg, #FFFFFF 0%, #F5F8F6 48%, #EEF4F1 100%); color: rgba(26, 36, 32, 0.78); }
.about-noise { position: absolute; inset: 0; opacity: 0.025; pointer-events: none; background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E"); mix-blend-mode: soft-light; }
.about-inner { position: relative; z-index: 1; max-width: 1200px; margin: 0 auto; }
.about-hero-row { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; margin-bottom: clamp(3.5rem, 7vw, 5rem); }
.about-eyebrow { display: inline-block; font-size: 0.75rem; font-weight: 600; letter-spacing: 0.28em; text-transform: uppercase; color: var(--koskot-gold); margin-bottom: 1rem; }
.about-title { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 4.6vw, 3.1rem); font-weight: 800; line-height: 1.18; color: var(--koskot-forest-dark); margin: 0 0 1.25rem; }
.about-lead { font-size: 1.08rem; line-height: 1.8; color: rgba(26, 36, 32, 0.72); margin: 0 0 1.5rem; max-width: 34rem; }
.about-story { padding: 1.25rem 0 0; border-top: 1px solid rgba(168, 137, 46, 0.28); margin-bottom: 1.75rem; }
.about-story p { font-size: 0.98rem; line-height: 1.75; color: rgba(26, 36, 32, 0.68); margin: 0 0 1rem; }
.about-story ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 0.55rem; }
.about-story li { position: relative; padding-left: 1.35rem; font-size: 0.92rem; color: rgba(26, 36, 32, 0.78); line-height: 1.5; }
.about-story li::before { content: ""; position: absolute; left: 0; top: 0.45rem; width: 8px; height: 8px; border-radius: 50%; background: var(--koskot-gold); box-shadow: 0 0 10px rgba(168, 137, 46, 0.35); }
.about-highlights { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.about-highlight { display: flex; flex-direction: column; gap: 0.35rem; padding-top: 0.85rem; border-top: 2px solid rgba(168, 137, 46, 0.45); }
.about-highlight strong { font-family: 'Playfair Display', serif; font-size: 1.65rem; font-weight: 800; color: var(--koskot-gold); line-height: 1; }
.about-highlight span { font-size: 0.78rem; line-height: 1.45; color: rgba(26, 36, 32, 0.55); }
.about-gallery { position: relative; min-height: 520px; padding: 1.25rem 1.25rem 1.25rem 0.5rem; }
.about-gallery-glow { position: absolute; width: 70%; height: 70%; right: 5%; top: 15%; border-radius: 50%; background: radial-gradient(circle, rgba(168, 137, 46, 0.18), transparent 70%); filter: blur(40px); pointer-events: none; }
.about-bracket { position: absolute; width: 48px; height: 48px; border: 2px solid rgba(168, 137, 46, 0.45); z-index: 4; pointer-events: none; }
.about-bracket--tl { top: 0; left: 0; border-right: none; border-bottom: none; }
.about-bracket--br { bottom: 0; right: 0; border-left: none; border-top: none; }
.about-gallery-stage { position: relative; height: 420px; border-radius: 1.5rem 1.5rem 0.5rem 1.5rem; overflow: hidden; box-shadow: 0 24px 50px rgba(15, 61, 50, 0.1), 0 0 0 1px rgba(15, 61, 50, 0.08); z-index: 2; }
.about-gallery-slide { position: absolute; inset: 0; }
.about-img { width: 100%; height: 100%; object-fit: cover; display: block; }
.about-gallery-veil { position: absolute; inset: 0; background: linear-gradient(160deg, transparent 30%, rgba(15, 61, 50, 0.48) 100%); pointer-events: none; }
.about-gallery-meta { position: absolute; left: 1.25rem; bottom: 1.25rem; z-index: 3; color: #fff; }
.about-gallery-meta span { display: block; font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 700; margin-bottom: 0.15rem; }
.about-gallery-meta p { margin: 0; font-size: 0.82rem; letter-spacing: 0.06em; color: #C4A84A; }
.about-thumbs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0.55rem; margin-top: 0.75rem; position: relative; z-index: 3; }
.about-thumb { position: relative; height: 64px; border: 1px solid rgba(15, 61, 50, 0.08); border-radius: 0.65rem; overflow: hidden; padding: 0; cursor: pointer; background: #fff; box-shadow: 0 4px 12px rgba(15, 61, 50, 0.06); transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s; }
.about-thumb img { width: 100%; height: 100%; object-fit: cover; opacity: 0.55; transition: opacity 0.35s, transform 0.5s; }
.about-thumb span { position: absolute; right: 0.35rem; bottom: 0.2rem; font-size: 0.62rem; font-weight: 700; color: #fff; letter-spacing: 0.08em; text-shadow: 0 1px 4px rgba(15, 61, 50, 0.55); }
.about-thumb:hover { transform: translateY(-3px); border-color: rgba(168, 137, 46, 0.45); }
.about-thumb:hover img { opacity: 0.9; transform: scale(1.08); }
.about-thumb.is-active { border-color: var(--koskot-gold); box-shadow: 0 0 0 1px var(--koskot-gold), 0 8px 20px rgba(15, 61, 50, 0.1); }
.about-thumb.is-active img { opacity: 1; }
.about-peek { position: absolute; width: 110px; aspect-ratio: 3 / 4; border-radius: 0.85rem; overflow: hidden; border: 2px solid #fff; box-shadow: 0 16px 32px rgba(15, 61, 50, 0.1); z-index: 1; opacity: 0.85; }
.about-peek img { width: 100%; height: 100%; object-fit: cover; }
.about-peek--a { top: 8%; right: -8px; transform: rotate(6deg); animation: aboutPeekFloat 6s ease-in-out infinite; }
.about-peek--b { bottom: 22%; left: -18px; width: 92px; transform: rotate(-8deg); animation: aboutPeekFloat 7.5s ease-in-out infinite reverse; }
@keyframes aboutPeekFloat { 0%, 100% { translate: 0 0; } 50% { translate: 0 -10px; } }
.about-pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: clamp(2.5rem, 5vw, 3.5rem); }
.about-pillar { position: relative; min-height: 320px; border-radius: 1.25rem; overflow: hidden; isolation: isolate; border: 1px solid rgba(15, 61, 50, 0.08); box-shadow: 0 16px 36px rgba(15, 61, 50, 0.08); cursor: default; transition: transform 0.45s cubic-bezier(0.22, 1, 0.36, 1); }
.about-pillar:hover { transform: translateY(-8px); }
.about-pillar-media { position: absolute; inset: 0; z-index: 0; }
.about-pillar-media .about-img { transition: transform 1s cubic-bezier(0.22, 1, 0.36, 1); }
.about-pillar:hover .about-pillar-media .about-img { transform: scale(1.12); }
.about-pillar-shade { position: absolute; inset: 0; background: linear-gradient(185deg, rgba(15, 61, 50, 0.12) 0%, rgba(15, 61, 50, 0.38) 45%, rgba(15, 61, 50, 0.55) 100%); transition: background 0.45s ease; }
.about-pillar-copy { position: relative; z-index: 1; min-height: 320px; display: flex; flex-direction: column; justify-content: flex-end; padding: 1.5rem 1.35rem; }
.about-pillar-copy span { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: #C4A84A; margin-bottom: 0.45rem; }
.about-pillar-copy h3 { font-family: 'Playfair Display', serif; font-size: 1.75rem; font-weight: 700; margin: 0 0 0.55rem; color: #fff; }
.about-pillar-copy p { font-size: 0.9rem; line-height: 1.65; color: rgba(255, 255, 255, 0.92); margin: 0; max-height: 0; opacity: 0; overflow: hidden; transition: max-height 0.5s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.4s ease, margin 0.4s ease; }
.about-pillar:hover .about-pillar-copy p, .about-pillar:focus-within .about-pillar-copy p { max-height: 160px; opacity: 1; margin-top: 0.15rem; }
.about-band { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; padding: 1.5rem 1.75rem; border-radius: 1.25rem; background: #fff; border: 1px solid rgba(15, 61, 50, 0.08); box-shadow: 0 12px 32px rgba(15, 61, 50, 0.06); backdrop-filter: blur(10px); }
.about-band p { font-size: 1rem; line-height: 1.65; color: rgba(26, 36, 32, 0.72); margin: 0; max-width: 42rem; }
.about-band-cta { flex-shrink: 0; display: inline-flex; align-items: center; gap: 0.55rem; padding: 0.9rem 1.35rem; border-radius: 999px; background: linear-gradient(135deg, #A8892E, #C4A84A); color: #0F3D32; font-size: 0.9rem; font-weight: 700; text-decoration: none; transition: transform 0.3s, box-shadow 0.3s; box-shadow: 0 10px 24px rgba(168, 137, 46, 0.28); }
.about-band-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(168, 137, 46, 0.4); }
@media (max-width: 980px) { .about-hero-row { grid-template-columns: 1fr; } .about-gallery { max-width: 520px; margin: 0 auto; width: 100%; min-height: 460px; } .about-pillars { grid-template-columns: 1fr; } .about-pillar { min-height: 240px; } .about-pillar-copy { min-height: 240px; } .about-pillar-copy p { max-height: 120px; opacity: 1; } .about-band { flex-direction: column; align-items: flex-start; } }
@media (max-width: 640px) { .about-highlights { grid-template-columns: 1fr; gap: 0.85rem; } .about-gallery-stage { height: 340px; } .about-peek { display: none; } .about-thumb { height: 52px; } }

/* ============================================================
   WHY US
   ============================================================ */
.why-us-section { position: relative; overflow: hidden; padding: 6rem 1.5rem 5.5rem; background: radial-gradient(ellipse 60% 40% at 100% 0%, rgba(168,137,46,0.1), transparent 55%), radial-gradient(ellipse 50% 45% at 0% 100%, rgba(20,92,62,0.1), transparent 55%), linear-gradient(180deg, #FFFFFF 0%, #F5F8F6 55%, #EEF4F1 100%); }
.why-us-glow { position: absolute; border-radius: 50%; pointer-events: none; animation: hero-orb-drift 16s ease-in-out infinite; }
.why-us-glow--top { top: 10%; right: -8%; width: min(360px, 50vw); height: min(360px, 50vw); background: radial-gradient(circle, rgba(168,137,46,0.12) 0%, transparent 70%); }
.why-us-glow--bottom { bottom: 5%; left: -6%; width: min(400px, 55vw); height: min(400px, 55vw); background: radial-gradient(circle, rgba(20,92,62,0.1) 0%, transparent 70%); animation-direction: reverse; }
.why-us-inner { max-width: 1200px; margin: 0 auto; position: relative; z-index: 1; }
.why-us-header { text-align: center; margin-bottom: 3.5rem; }
.why-us-header span { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; letter-spacing: 0.28em; text-transform: uppercase; color: var(--koskot-gold); font-weight: 700; }
.why-us-header h2 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: var(--koskot-forest-dark); margin: 0.75rem 0 0; line-height: 1.15; }
.why-us-header h2 em { font-style: italic; color: var(--koskot-gold); font-weight: 700; }
.why-us-header p { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.65); font-size: 1.05rem; max-width: 520px; margin: 1rem auto 0; line-height: 1.7; }
.why-us-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1.25rem; }
.whyus-card { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 1.75rem 1.15rem 1.5rem; background: linear-gradient(180deg, #FFFFFF 0%, #F7FAF8 100%); border-radius: 1.35rem; border: 1px solid rgba(15, 61, 50, 0.08); box-shadow: 0 14px 36px rgba(15, 61, 50, 0.06); height: 100%; position: relative; overflow: hidden; transition: transform 0.35s cubic-bezier(0.22, 1, 0.36, 1), box-shadow 0.35s, border-color 0.35s; }
.whyus-card:hover { transform: translateY(-10px); box-shadow: 0 28px 56px rgba(15, 61, 50, 0.12); border-color: rgba(168, 137, 46, 0.45); }
.whyus-accent { position: absolute; top: 0; left: 15%; right: 15%; height: 3px; opacity: 0.7; }
.whyus-icon-wrap { position: relative; margin-bottom: 1.35rem; animation: whyus-float 4.5s ease-in-out infinite; }
.whyus-pedestal { width: 88px; height: 88px; border-radius: 50%; display: flex; align-items: center; justify-content: center; animation: whyus-pedestal-glow 3.8s ease-in-out infinite; }
.whyus-pedestal img { width: 56px; height: 56px; object-fit: cover; border-radius: 50%; border: 2px solid rgba(255,255,255,0.9); }
.whyus-card h3 { font-family: 'Playfair Display', serif; font-size: 1.05rem; font-weight: 800; color: var(--koskot-forest-dark); margin: 0 0 0.45rem; letter-spacing: 0.02em; text-transform: uppercase; line-height: 1.25; }
.whyus-card p { font-family: 'DM Sans', sans-serif; font-size: 0.88rem; color: rgba(26, 36, 32, 0.62); line-height: 1.6; margin: 0; max-width: 220px; }
.why-us-contact { margin-top: 3.5rem; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.25rem; padding: 1.15rem 1.35rem; border-radius: 1.25rem; background: linear-gradient(90deg, #FFFFFF 0%, #F7F5F0 100%); border: 1px solid rgba(168, 137, 46, 0.28); box-shadow: 0 16px 40px rgba(15, 61, 50, 0.08); }
.why-us-contact-links { display: flex; flex-wrap: wrap; gap: 1rem 1.75rem; align-items: center; flex: 1; justify-content: flex-end; }
.why-us-contact-links a, .why-us-contact-links span { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; color: var(--koskot-forest-dark); text-decoration: none; font-weight: 600; display: inline-flex; align-items: center; gap: 0.45rem; }
@media (max-width: 1024px) { .testimonials-grid { grid-template-columns: repeat(2, 1fr) !important; } }
@keyframes whyus-pedestal-glow { 0%, 100% { box-shadow: 0 0 0 0 rgba(168, 137, 46, 0.25), 0 12px 28px rgba(15, 61, 50, 0.1); } 50% { box-shadow: 0 0 24px 4px rgba(168, 137, 46, 0.35), 0 16px 36px rgba(15, 61, 50, 0.14); } }
@keyframes whyus-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

/* ============================================================
   PROCESS
   ============================================================ */
.process-section { position: relative; overflow: hidden; padding: clamp(4.75rem, 9vw, 7.5rem) clamp(1.15rem, 3.5vw, 1.75rem); background: radial-gradient(ellipse 70% 45% at 12% 8%, rgba(168, 137, 46, 0.1), transparent 55%), radial-gradient(ellipse 60% 40% at 88% 92%, rgba(42, 138, 102, 0.1), transparent 60%), linear-gradient(165deg, #FFFFFF 0%, #F5F8F6 48%, #EEF4F1 100%); color: rgba(26, 36, 32, 0.78); }
.process-section__glow { position: absolute; border-radius: 50%; pointer-events: none; filter: blur(4px); }
.process-section__glow--a { top: -10%; right: -8%; width: min(460px, 58vw); height: min(460px, 58vw); background: radial-gradient(circle, rgba(168, 137, 46, 0.1), transparent 68%); }
.process-section__glow--b { bottom: -14%; left: -10%; width: min(520px, 65vw); height: min(520px, 65vw); background: radial-gradient(circle, rgba(42, 138, 102, 0.1), transparent 70%); }
.process-section__inner { position: relative; z-index: 1; max-width: 1180px; margin: 0 auto; }
.process-header { text-align: center; max-width: 720px; margin: 0 auto clamp(3.25rem, 6vw, 4.75rem); }
.process-header__label { display: inline-block; font-size: 0.72rem; letter-spacing: 0.34em; text-transform: uppercase; color: var(--koskot-gold); font-weight: 700; margin-bottom: 0.95rem; }
.process-header__title { font-family: 'Playfair Display', serif; font-size: clamp(2.05rem, 5vw, 3.25rem); font-weight: 800; color: var(--koskot-forest-dark); margin: 0 0 1.1rem; line-height: 1.18; }
.process-header__title em { font-style: italic; font-weight: 700; }
.process-header__sub { font-size: clamp(0.95rem, 1.5vw, 1.08rem); line-height: 1.75; color: rgba(26, 36, 32, 0.68); margin: 0; }
.process-journey { position: relative; }
.process-journey__rail { display: none; position: absolute; left: 50%; top: 2rem; bottom: 2rem; width: 2px; transform: translateX(-50%); background: rgba(168, 137, 46, 0.18); border-radius: 999px; overflow: hidden; z-index: 0; }
.process-journey__fill { width: 100%; height: 0; background: linear-gradient(180deg, rgba(168, 137, 46, 0.25), rgba(196, 168, 74, 0.85), rgba(42, 138, 102, 0.7)); box-shadow: 0 0 18px rgba(168, 137, 46, 0.25); transition: height 0.15s linear; }
.process-journey__list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: clamp(2.75rem, 6vw, 4.5rem); position: relative; z-index: 1; }
.process-row { position: relative; display: grid; grid-template-columns: 1fr; gap: 1.5rem; align-items: center; }
.process-row__spine { display: none; }
.process-media { position: relative; isolation: isolate; opacity: 0; transform: translate3d(0, 18px, 0); transition: opacity 0.7s cubic-bezier(0.25, 0.1, 0.25, 1), transform 0.85s cubic-bezier(0.25, 0.1, 0.25, 1); }
.process-media.is-visible { opacity: 1; transform: translate3d(0, 0, 0); }
.process-media__glow { position: absolute; inset: 8% 6%; border-radius: 2rem; background: radial-gradient(ellipse at center, rgba(168, 137, 46, 0.18), transparent 70%); filter: blur(18px); z-index: 0; pointer-events: none; opacity: 0.45; }
.process-media--reverse .process-media__glow { background: radial-gradient(ellipse at center, rgba(42, 138, 102, 0.18), transparent 70%); }
.process-media__frame { position: relative; z-index: 1; border-radius: 1.35rem; padding: 0.55rem; background: #fff; border: 1px solid rgba(15, 61, 50, 0.08); box-shadow: 0 20px 48px rgba(15, 61, 50, 0.08), inset 0 1px 0 rgba(255, 255, 255, 0.9); overflow: hidden; transition: border-color 0.4s, box-shadow 0.4s; }
.process-media:hover .process-media__frame { border-color: rgba(168, 137, 46, 0.35); box-shadow: 0 24px 56px rgba(15, 61, 50, 0.1), 0 0 32px rgba(168, 137, 46, 0.08), inset 0 1px 0 rgba(255, 255, 255, 0.95); }
.process-media__clip { position: relative; overflow: hidden; border-radius: 1rem; aspect-ratio: 16 / 11; transform: skewY(-1.2deg); transform-origin: center; }
.process-media--reverse .process-media__clip { transform: skewY(1.2deg); }
.process-media__img { width: 100%; height: 100%; object-fit: cover; display: block; opacity: 0; transform: translate3d(0, 0, 0) scale(1.02); transition: opacity 0.65s, transform 0.9s; }
.process-media.is-visible .process-media__img { opacity: 1; transform: translate3d(0, 0, 0) scale(1); }
.process-media.is-visible:hover .process-media__img { transform: translate3d(0, 0, 0) scale(1.04); }
.process-media__veil { position: absolute; inset: 0; background: linear-gradient(125deg, rgba(15, 61, 50, 0.12) 0%, transparent 42%), linear-gradient(0deg, rgba(15, 61, 50, 0.4) 0%, transparent 48%); pointer-events: none; }
.process-media__shine { position: absolute; top: -20%; bottom: -20%; left: -40%; width: 38%; z-index: 2; background: linear-gradient(105deg, transparent, rgba(255, 255, 255, 0.22), transparent); pointer-events: none; transform: skewX(-18deg); opacity: 0; }
.process-media:hover .process-media__shine { animation: processShine 1.05s ease forwards; }
@keyframes processShine { 0% { left: -40%; opacity: 0; } 35% { opacity: 0.75; } 100% { left: 120%; opacity: 0; } }
.process-media__corners { position: absolute; inset: 0.85rem; z-index: 3; pointer-events: none; }
.process-media__corners span { position: absolute; width: 18px; height: 18px; border-color: rgba(168, 137, 46, 0.65); border-style: solid; }
.process-media__corners span:nth-child(1) { top: 0; left: 0; border-width: 1.5px 0 0 1.5px; }
.process-media__corners span:nth-child(2) { top: 0; right: 0; border-width: 1.5px 1.5px 0 0; }
.process-media__corners span:nth-child(3) { bottom: 0; left: 0; border-width: 0 0 1.5px 1.5px; }
.process-media__corners span:nth-child(4) { bottom: 0; right: 0; border-width: 0 1.5px 1.5px 0; }
.process-media__ring { position: absolute; width: min(180px, 42%); aspect-ratio: 1; right: -6%; bottom: -10%; border-radius: 50%; border: 1px dashed rgba(168, 137, 46, 0.35); pointer-events: none; z-index: 0; }
.process-media--reverse .process-media__ring { right: auto; left: -6%; border-color: rgba(42, 138, 102, 0.35); }
.process-media__ring::after { content: ""; position: absolute; inset: 12%; border-radius: 50%; border: 1px solid rgba(168, 137, 46, 0.18); }
.process-copy { position: relative; padding: 0.25rem 0.15rem; }
.process-copy__meta { display: flex; align-items: baseline; gap: 0.85rem; margin-bottom: 0.75rem; }
.process-copy__num { font-family: 'Playfair Display', serif; font-size: clamp(2.4rem, 4vw, 3.2rem); font-weight: 900; line-height: 1; letter-spacing: -0.03em; background: linear-gradient(135deg, #A8892E, #C4A84A); -webkit-background-clip: text; background-clip: text; color: transparent; display: inline-block; }
.process-copy__num--emerald { background: linear-gradient(135deg, #2A8A66, #0F3D32); -webkit-background-clip: text; background-clip: text; }
.process-copy__phase { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.28em; text-transform: uppercase; color: var(--koskot-gold); padding: 0.35rem 0.7rem; border: 1px solid rgba(168, 137, 46, 0.28); border-radius: 999px; background: rgba(168, 137, 46, 0.08); display: inline-block; }
.process-copy__title { font-family: 'Playfair Display', serif; font-size: clamp(1.55rem, 3vw, 2.05rem); font-weight: 800; color: var(--koskot-forest-dark); margin: 0 0 0.35rem; letter-spacing: 0.01em; }
.process-copy__tagline { font-family: 'Cormorant Garamond', serif; font-size: clamp(1.05rem, 2vw, 1.25rem); font-style: italic; color: var(--koskot-gold); margin: 0 0 0.95rem; }
.process-copy__desc { font-size: clamp(0.92rem, 1.4vw, 1.02rem); line-height: 1.75; color: rgba(26, 36, 32, 0.68); margin: 0 0 1.25rem; max-width: 36rem; }
.process-copy__points { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 0.65rem; }
.process-copy__points li { display: flex; align-items: flex-start; gap: 0.7rem; font-size: 0.9rem; line-height: 1.5; color: rgba(26, 36, 32, 0.78); }
.process-copy__check { flex-shrink: 0; width: 1.45rem; height: 1.45rem; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; color: #0F3D32; background: linear-gradient(145deg, #C4A84A, #A8892E); box-shadow: 0 4px 12px rgba(168, 137, 46, 0.28); margin-top: 0.05rem; }
.process-cta { text-align: center; margin-top: clamp(3rem, 6vw, 4.5rem); }
.process-cta__note { font-family: 'Cormorant Garamond', serif; font-style: italic; font-size: 1.15rem; color: rgba(26, 36, 32, 0.68); margin: 0 0 1.15rem; }
.process-cta__btn { gap: 0.65rem; padding: 1rem 2.35rem; font-size: 0.95rem; border-radius: 0.85rem; background: linear-gradient(135deg, #A8892E 0%, #C4A84A 55%, #A8892E 100%); color: #0F3D32; box-shadow: 0 8px 28px rgba(168, 137, 46, 0.28); }
.process-cta__btn:hover { box-shadow: 0 12px 34px rgba(168, 137, 46, 0.4); }
@media (min-width: 960px) { .process-journey__rail { display: block; } .process-row { grid-template-columns: 1fr 1fr; gap: clamp(2rem, 4vw, 3.5rem); padding: 0.5rem 0; } .process-row--reverse .process-media { order: 2; } .process-row--reverse .process-copy { order: 1; text-align: right; } .process-row--reverse .process-copy__meta { justify-content: flex-end; } .process-row--reverse .process-copy__desc { margin-left: auto; } .process-row--reverse .process-copy__points li { flex-direction: row-reverse; text-align: right; } .process-row__spine { display: block; position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%); z-index: 2; width: 1.1rem; height: 1.1rem; } .process-row__dot { display: block; width: 100%; height: 100%; border-radius: 50%; background: linear-gradient(145deg, #C4A84A, #A8892E); box-shadow: 0 0 0 6px #fff, 0 0 0 8px rgba(168, 137, 46, 0.4), 0 0 18px rgba(168, 137, 46, 0.28); } }
@media (max-width: 959px) { .process-media__clip { transform: none; aspect-ratio: 16 / 10; } .process-media--reverse .process-media__clip { transform: none; } }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section { position: relative; overflow: hidden; padding: 6rem 1.5rem 5.5rem; background: radial-gradient(ellipse 55% 40% at 0% 0%, rgba(168,137,46,0.09), transparent 55%), radial-gradient(ellipse 50% 45% at 100% 100%, rgba(20,92,62,0.1), transparent 55%), linear-gradient(180deg, #F5F8F6 0%, #EEF4F1 50%, #F7FAF8 100%); }
.testimonials-glow { position: absolute; border-radius: 50%; pointer-events: none; animation: hero-orb-drift 18s ease-in-out infinite; }
.testimonials-glow--a { top: 8%; left: -10%; width: min(380px, 55vw); height: min(380px, 55vw); background: radial-gradient(circle, rgba(168,137,46,0.11) 0%, transparent 70%); }
.testimonials-glow--b { bottom: 4%; right: -8%; width: min(420px, 58vw); height: min(420px, 58vw); background: radial-gradient(circle, rgba(20,92,62,0.1) 0%, transparent 70%); animation-direction: reverse; }
.testimonials-inner { max-width: 1200px; margin: 0 auto; position: relative; z-index: 1; }
.testimonials-header { text-align: center; margin-bottom: 3.25rem; }
.testimonials-header span { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; letter-spacing: 0.28em; text-transform: uppercase; color: var(--koskot-gold); font-weight: 700; }
.testimonials-header h2 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: var(--koskot-forest-dark); margin: 0.75rem 0 0; line-height: 1.15; }
.testimonials-header h2 em { font-style: italic; color: var(--koskot-gold); font-weight: 700; }
.testimonials-rating { display: inline-flex; align-items: center; gap: 0.65rem; margin-top: 1.15rem; padding: 0.45rem 1rem; border-radius: 999px; background: rgba(255, 255, 255, 0.72); border: 1px solid rgba(168, 137, 46, 0.22); box-shadow: 0 6px 18px rgba(15, 61, 50, 0.05); }
.stars { color: #A8892E; font-size: 0.9rem; letter-spacing: 2px; }
.testimonials-rating span:last-child { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.68); font-size: 0.85rem; font-weight: 600; }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 67px; }
.testimonial-card { display: flex; flex-direction: column; height: 100%; padding: 1.65rem 1.5rem 1.4rem; background: linear-gradient(165deg, #FFFFFF 0%, #F7FAF8 100%); border-radius: 1.35rem; border: 1px solid rgba(15, 61, 50, 0.08); box-shadow: 0 14px 36px rgba(15, 61, 50, 0.06); position: relative; overflow: hidden; transition: transform 0.35s cubic-bezier(0.22, 1, 0.36, 1), box-shadow 0.35s, border-color 0.35s; }
.testimonial-card:hover { transform: translateY(-8px); box-shadow: 0 26px 52px rgba(15, 61, 50, 0.11); border-color: rgba(168, 137, 46, 0.4); }
.testimonial-top-accent { position: absolute; top: 0; left: 12%; right: 12%; height: 3px; background: linear-gradient(90deg, transparent, #A8892E, transparent); opacity: 0.75; }
.testimonial-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.1rem; }
.stars-sm { color: #A8892E; font-size: 0.75rem; letter-spacing: 1px; }
.testimonial-quote { font-family: 'DM Sans', sans-serif; font-size: 0.92rem; color: rgba(26, 36, 32, 0.7); line-height: 1.75; margin: 0 0 1.35rem; flex: 1; }
.testimonial-footer { display: flex; align-items: center; gap: 0.9rem; padding-top: 1.15rem; border-top: 1px solid rgba(15, 61, 50, 0.08); }
.testimonial-avatar { width: 52px; height: 52px; border-radius: 50%; padding: 2px; background: linear-gradient(145deg, #C4A84A 0%, #A8892E 45%, #145C3E 100%); flex-shrink: 0; }
.testimonial-avatar img { width: 100%; height: 100%; border-radius: 50%; object-fit: cover; display: block; border: 2px solid #fff; }
.testimonial-name { font-family: 'DM Sans', sans-serif; font-weight: 700; color: var(--koskot-forest-dark); font-size: 0.95rem; line-height: 1.3; }
.testimonial-role { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.55); font-size: 0.78rem; margin-top: 3px; line-height: 1.35; }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-section { padding: 6rem 1.5rem; background: #F5F8F6; }
.contact-inner { max-width: 1100px; margin: 0 auto; }
.contact-header { text-align: center; margin-bottom: 4rem; }
.contact-header span { font-family: 'DM Sans', sans-serif; font-size: 0.78rem; letter-spacing: 0.28em; text-transform: uppercase; color: #A8892E; font-weight: 600; }
.contact-header h2 { font-family: 'Playfair Display', Georgia, serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: #0F3D32; margin: 0.75rem 0 0; }
.contact-header h2 em { color: #A8892E; font-style: italic; font-weight: 700; }
.contact-header p { font-family: 'DM Sans', sans-serif; font-size: 0.95rem; color: rgba(26, 36, 32, 0.68); max-width: 480px; margin: 1rem auto 0; line-height: 1.7; }
.contact-grid { position: relative; display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 2rem; align-items: stretch; }
.contact-cards { display: flex; flex-direction: column; gap: 1.1rem; }
.contact-card { display: flex; align-items: center; gap: 1.25rem; background: #FFFFFF; border: 1px solid rgba(15, 61, 50, 0.08); border-radius: 1rem; padding: 1.25rem 1.5rem; transition: border-color 0.25s ease, box-shadow 0.25s ease; box-shadow: 0 8px 28px rgba(15, 61, 50, 0.06); text-decoration: none; cursor: pointer; }
.contact-card:hover { border-color: rgba(168, 137, 46, 0.35); box-shadow: 0 12px 36px rgba(15, 61, 50, 0.1); transform: translateY(-3px); }
.contact-icon { width: 52px; height: 52px; flex-shrink: 0; border-radius: 0.875rem; display: flex; align-items: center; justify-content: center; color: #0F3D32; box-shadow: 0 4px 16px rgba(168, 137, 46, 0.28); }
.contact-label { font-family: 'DM Sans', sans-serif; font-size: 0.72rem; color: #A8892E; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 0.25rem; font-weight: 600; }
.contact-value { font-family: 'Playfair Display', Georgia, serif; font-size: 1.2rem; font-weight: 700; color: #0F3D32; line-height: 1.35; }
.contact-sub { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; color: rgba(26, 36, 32, 0.68); margin-top: 0.25rem; line-height: 1.5; }
.contact-map { height: 100%; }
.contact-map-wrap { position: sticky; top: 125px; border-radius: 1.25rem; overflow: hidden; border: 2px solid rgba(168, 137, 46, 0.28); box-shadow: 0 20px 60px rgba(15, 61, 50, 0.08); height: 460px; }
.contact-map-wrap iframe { width: 100%; height: 100%; border: 0; display: block; }
.contact-map p { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; color: rgba(26, 36, 32, 0.68); text-align: center; margin-top: 0.85rem; line-height: 1.5; }
@media (max-width: 980px) { .contact-map-wrap { position: static; height: 300px; } }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { position: relative; overflow: hidden; padding: 4.5rem 1.5rem 2rem; background: linear-gradient(180deg, #F5F8F6 0%, #FFFFFF 55%, #EEF4F1 100%); }
.footer-top-line { position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, #A8892E 0%, #C4A84A 50%, #A8892E 100%); }
.footer-glow { position: absolute; bottom: -8%; left: -5%; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(168,137,46,0.06) 0%, transparent 70%); pointer-events: none; }
.footer-inner { max-width: 1200px; margin: 0 auto; position: relative; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 3rem; margin-bottom: 3rem; }
.footer-title { font-family: 'Playfair Display', Georgia, serif; color: #0F3D32; font-size: 1.05rem; font-weight: 700; margin-bottom: 0.5rem; letter-spacing: 0.01em; }
.footer-script { font-family: 'Cormorant Garamond', 'Playfair Display', Georgia, serif; color: #A8892E; font-size: 1.05rem; font-style: italic; margin-bottom: 1.25rem; line-height: 1.5; }
.footer-desc { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.68); font-size: 0.88rem; line-height: 1.75; max-width: 300px; }
.footer-socials { margin-top: 1.5rem; display: flex; gap: 0.75rem; }
.footer-social { width: 40px; height: 40px; border-radius: 50%; background: rgba(168, 137, 46, 0.1); border: 1px solid rgba(168, 137, 46, 0.35); display: flex; align-items: center; justify-content: center; color: #A8892E; text-decoration: none; transition: background 0.2s, transform 0.2s; }
.footer-social:hover { background: rgba(168, 137, 46, 0.2); transform: translateY(-2px); }
.footer-services h4, .footer-contact h4 { font-family: 'Playfair Display', Georgia, serif; color: #0F3D32; font-size: 1.1rem; font-weight: 700; margin-bottom: 1.25rem; }
.footer-services ul { list-style: none; padding: 0; margin: 0; }
.footer-services li { margin-bottom: 0.7rem; }
.footer-services a { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.68); font-size: 0.9rem; text-decoration: none; transition: color 0.2s; display: inline-flex; align-items: center; gap: 0.4rem; }
.footer-services a:hover { color: #A8892E; }
.footer-services a span { color: #A8892E; }
.footer-contact-item { display: flex; gap: 0.75rem; align-items: flex-start; margin-bottom: 1.1rem; }
.footer-contact-item svg { flex-shrink: 0; margin-top: 0.15rem; }
.footer-contact-item a, .footer-contact-item span { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.68); font-size: 0.9rem; text-decoration: none; line-height: 1.65; }
.footer-contact-item a:hover { color: #A8892E; }
.footer-bottom { border-top: 1px solid rgba(15, 61, 50, 0.1); padding-top: 1.75rem; display: flex; flex-direction: column; align-items: center; gap: 1rem; }
.footer-bottom p:first-child { font-family: 'DM Sans', sans-serif; color: #A8892E; font-size: 0.72rem; letter-spacing: 0.22em; text-transform: uppercase; font-weight: 600; margin: 0; text-align: center; }
.footer-bottom p:last-child { font-family: 'DM Sans', sans-serif; color: rgba(26, 36, 32, 0.5); font-size: 0.8rem; margin: 0; text-align: center; }

/* ============================================================
   FIXED ELEMENTS (Loan Popup & Floating Buttons)
   ============================================================ */
.loan-popup { position: fixed; bottom: 2rem; right: 1.5rem; z-index: 1000; width: min(380px, calc(100vw - 2rem)); animation: slideUpFixed 0.4s cubic-bezier(0.16,1,0.3,1); transition: width 0.3s cubic-bezier(0.16,1,0.3,1); }
.loan-popup.hidden { display: none !important; }
.loan-popup.minimized { width: auto; }
.loan-popup.minimized #loan-popup-body { display: none; }
.loan-popup-header { background: linear-gradient(135deg, #0D234A, #07152B); padding: 1.25rem; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; cursor: pointer; transition: padding 0.3s ease; }
.loan-popup.minimized .loan-popup-header { padding: 0.6rem 1rem 0.6rem 0.6rem; }
.loan-popup-title { display: flex; align-items: center; gap: 0.75rem; }
.loan-popup-icon { width: 38px; height: 38px; border-radius: 50%; background: linear-gradient(135deg, #C59B27, #A37A17); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all 0.3s ease; }
.loan-popup.minimized .loan-popup-icon { width: 32px; height: 32px; }
.loan-popup-title h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 1.1rem; font-weight: 700; color: #ffffff; margin: 0; white-space: nowrap; transition: font-size 0.3s ease; }
.loan-popup.minimized .loan-popup-title h3 { font-size: 0.95rem; }
.loan-popup-title p { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; color: #D4AF37; margin: 0.2rem 0 0; }
.loan-popup.minimized .loan-popup-title p { display: none; }
.loan-popup-actions { display: flex; gap: 0.4rem; }
.loan-popup-actions button { background: rgba(255,255,255,0.15); border: none; border-radius: 50%; width: 28px; height: 28px; cursor: pointer; display: flex; align-items: center; justify-content: center; color: #fff; transition: background 0.2s; padding: 0; }
.loan-popup-actions button:hover { background: rgba(255,255,255,0.25); }
.loan-popup-body { max-height: calc(100vh - 12rem); overflow-y: auto; background: #ffffff; }
.loan-form { padding: 1.5rem; background: #ffffff; }
.loan-form select, .loan-form input[type="text"], .loan-form input[type="email"], .loan-form input[type="tel"], .loan-form input[type="number"] { width: 100%; box-sizing: border-box; padding: 0.85rem 1rem; background: #F7FAF8; border: 1px solid #E2E8F0; border-radius: 0.75rem; color: #002147; font-family: 'DM Sans', sans-serif; font-size: 0.9rem; outline: none; margin-bottom: 1rem; }
.loan-form select { cursor: pointer; appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23145C3E' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 1rem center; padding-right: 2.5rem; }
.loan-amount-wrap { margin-bottom: 1.5rem; }
.loan-amount-wrap label { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em; color: #4A5568; display: block; margin-bottom: 0.5rem; font-weight: 600; }
.loan-amount-input { display: flex; align-items: center; gap: 0.5rem; background: #F7FAF8; border: 1px solid #E2E8F0; border-radius: 0.75rem; padding: 0.6rem 1rem; }
.loan-amount-input span { color: #002147; font-weight: 700; font-size: 1rem; }
.loan-amount-input input { flex: 1; background: transparent; border: none; color: #002147; font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 700; outline: none; }
.loan-submit { width: 100%; display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; padding: 0.85rem 1.25rem; background: var(--gradient-blue); color: #ffffff; font-family: 'DM Sans', sans-serif; font-weight: 700; font-size: 0.95rem; border-radius: 9999px; border: none; cursor: pointer; transition: transform 0.2s, box-shadow 0.2s; box-shadow: 0 4px 15px rgba(20, 92, 62, 0.3); }
.loan-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(20, 92, 62, 0.5); }
.loan-privacy { font-family: 'DM Sans', sans-serif; font-size: 0.7rem; color: #718096; text-align: center; margin-top: 1rem; margin-bottom: 0; }
.floating-buttons { position: fixed; bottom: 2rem; left: 1.5rem; display: flex; flex-direction: column; gap: 1rem; z-index: 1000; }
.float-btn { width: 55px; height: 55px; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; transition: transform 0.2s; box-shadow: 0 4px 14px rgba(0,0,0,0.2); }
.float-btn:hover { transform: scale(1.1); }
.float-btn--whatsapp { background: #25D366; box-shadow: 0 4px 14px rgba(37,211,102,0.4); }
.float-btn--call { background: #0D234A; box-shadow: 0 4px 14px rgba(13,35,74,0.4); }
.loan-success { position: fixed; top: 0; left: 0; right: 0; bottom: 0; background: rgba(13,35,74,0.6); backdrop-filter: blur(5px); display: flex; align-items: center; justify-content: center; z-index: 9999; padding: 1.5rem; animation: fadeIn 0.3s ease; }
.loan-success.hidden { display: none !important; }
.loan-success-card { background: white; border-radius: 1.5rem; padding: 2.5rem 2rem; max-width: 400px; width: 100%; text-align: center; box-shadow: 0 20px 40px rgba(0,0,0,0.2); animation: slideUpFixed 0.4s cubic-bezier(0.16,1,0.3,1); }
.loan-success-icon { width: 80px; height: 80px; background: rgba(37,211,102,0.1); color: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.5rem; }
.loan-success-card h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 1.75rem; color: #0D234A; margin-bottom: 0.75rem; font-weight: 700; }
.loan-success-card p { font-family: 'DM Sans', sans-serif; color: #4A5568; font-size: 1.05rem; line-height: 1.5; margin-bottom: 2rem; }
.loan-success-card button { width: 100%; padding: 1rem; background: linear-gradient(135deg, #0D234A, #07152B); color: #ffffff; border: none; border-radius: 0.75rem; font-family: 'DM Sans', sans-serif; font-size: 1.05rem; font-weight: 600; cursor: pointer; transition: transform 0.2s; box-shadow: 0 4px 15px rgba(13,35,74,0.2); }
.loan-success-card button:hover { transform: scale(1.02); }

/* ============================================================
   CIBIL POPUP
   ============================================================ */
.cibil-popup { position: fixed; inset: 0; z-index: 10000; padding: 1.25rem; display: flex; align-items: center; justify-content: center; background: rgba(15, 61, 50, 0.55); backdrop-filter: blur(8px); animation: cibilFadeIn 0.25s ease; }
.cibil-popup.hidden { display: none !important; }
.cibil-popup-card { background: #FFFFFF; border-radius: 1.35rem; overflow: hidden; width: 100%; max-width: 520px; max-height: 90vh; display: flex; flex-direction: column; box-shadow: 0 28px 60px -16px rgba(15, 61, 50, 0.35), 0 0 0 1px rgba(20, 92, 62, 0.06); animation: cibilSlideUp 0.35s cubic-bezier(0.16, 1, 0.3, 1); }
.cibil-popup-header { background: linear-gradient(135deg, #145C3E 0%, #0F3D32 100%); padding: 1.35rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-shrink: 0; }
.cibil-popup-title { display: flex; align-items: center; gap: 0.85rem; }
.cibil-popup-icon { width: 42px; height: 42px; border-radius: 0.85rem; background: linear-gradient(135deg, #C4A84A, #A8892E); display: flex; align-items: center; justify-content: center; flex-shrink: 0; box-shadow: 0 4px 12px rgba(168, 137, 46, 0.35); }
.cibil-popup-title h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 1.15rem; font-weight: 700; color: #ffffff; margin: 0; letter-spacing: -0.01em; }
.cibil-popup-title p { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; color: #E8D48A; margin: 0.25rem 0 0 0; }
.cibil-close { background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.18); border-radius: 0.65rem; width: 32px; height: 32px; cursor: pointer; display: flex; align-items: center; justify-content: center; color: #fff; flex-shrink: 0; padding: 0; }
.cibil-popup-body { overflow-y: auto; padding: 1.5rem; background: linear-gradient(180deg, #F7FAF8 0%, #FFFFFF 28%); }
.cibil-stepper { display: flex; align-items: center; gap: 0.35rem; margin-bottom: 1.35rem; flex-wrap: wrap; padding: 0.65rem 0.75rem; background: #FFFFFF; border-radius: 0.875rem; border: 1px solid #E4EDE7; }
.cibil-step { display: flex; align-items: center; gap: 0.35rem; flex-shrink: 0; }
.cibil-step span:first-child { width: 24px; height: 24px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-size: 0.68rem; font-weight: 700; font-family: 'DM Sans', sans-serif; background: #EEF2EF; color: #8A9A92; }
.cibil-step.active span:first-child { background: #145C3E; color: #ffffff; box-shadow: 0 0 0 3px rgba(20,92,62,0.15); }
.cibil-step span:last-child { font-family: 'DM Sans', sans-serif; font-size: 0.72rem; font-weight: 500; color: #8A9A92; }
.cibil-step.active span:last-child { color: #145C3E; font-weight: 700; }
.cibil-line { flex: 1; min-width: 10px; height: 2px; background: #E2E8F0; border-radius: 1px; }
.cibil-intro { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; color: #5A6B63; line-height: 1.6; margin-top: 0; margin-bottom: 1.35rem; }
.cibil-row { display: flex; gap: 1rem; margin-bottom: 1rem; flex-wrap: wrap; }
.cibil-field { flex: 1 1 180px; }
.cibil-field label { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 600; color: #3D4F47; display: block; margin-bottom: 0.45rem; }
.cibil-field input, .cibil-field select { width: 100%; box-sizing: border-box; padding: 0.9rem 1rem; background: #FFFFFF; border: 1px solid #D8E3DC; border-radius: 0.875rem; color: #1A2420; font-family: 'DM Sans', sans-serif; font-size: 0.9rem; outline: none; transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.cibil-field input:focus, .cibil-field select:focus { border-color: #145C3E; box-shadow: 0 0 0 3px rgba(20, 92, 62, 0.12); }
.cibil-field p { font-family: 'DM Sans', sans-serif; font-size: 0.72rem; color: #718096; margin: 0.35rem 0 0; line-height: 1.4; }
.cibil-field select { cursor: pointer; appearance: none; background: #FFFFFF url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23145C3E' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E") no-repeat right 1rem center; padding-right: 2.5rem; }
.cibil-btn-primary { display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; width: 100%; padding: 0.95rem 1.25rem; background: linear-gradient(135deg, #145C3E 0%, #0F3D32 100%); color: #ffffff; font-family: 'DM Sans', sans-serif; font-weight: 700; font-size: 0.95rem; border-radius: 0.875rem; border: none; cursor: pointer; box-shadow: 0 6px 18px rgba(20, 92, 62, 0.22); transition: transform 0.15s ease, box-shadow 0.15s ease; }
.cibil-btn-primary:hover { transform: translateY(-1px); box-shadow: 0 8px 22px rgba(20, 92, 62, 0.3); }
@keyframes cibilFadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes cibilSlideUp { from { transform: translateY(30px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }

/* ============================================================
   REDUCED MOTION
   ============================================================ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .hero-infinity, .hero-network, .hero-particle, .hero-node-pulse, .hero-orb, .whyus-icon-wrap, .whyus-pedestal, .about-peek--a, .about-peek--b { animation: none !important; }
}


/* Navbar Social Icons */
.nav-socials {
  display: flex;
  gap: 0.5rem;
  align-items: center;
}

.nav-social {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  flex-shrink: 0;
  transition: transform 0.2s, box-shadow 0.2s;
}

.nav-social:hover {
  transform: translateY(-2px) scale(1.05);
}

.nav-social--instagram {
  background: linear-gradient(135deg, #FFDC80, #F77737, #E1306C, #C13584, #833AB4);
  box-shadow: 0 2px 8px rgba(225, 48, 108, 0.25);
}

.nav-social--facebook {
  background: #1877F2;
  box-shadow: 0 2px 8px rgba(24, 119, 242, 0.25);
}

.nav-social--x {
  background: #000000;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.25);
}


/* ============================================================
   CIBIL POPUP SPECIFIC STYLES
   ============================================================ */
.cibil-popup { 
  position: fixed; 
  inset: 0; 
  z-index: 10000; 
  padding: 1.25rem; 
  display: flex; 
  align-items: center; 
  justify-content: center; 
  background: rgba(15, 61, 50, 0.55); 
  backdrop-filter: blur(8px); 
  animation: cibilFadeIn 0.25s ease; 
}
.cibil-popup.hidden { display: none !important; }

.cibil-popup-card { 
  background: #FFFFFF; 
  border-radius: 1.35rem; 
  overflow: hidden; 
  width: 100%; 
  max-width: 520px; 
  max-height: 90vh; 
  display: flex; 
  flex-direction: column; 
  box-shadow: 0 28px 60px -16px rgba(15, 61, 50, 0.35), 0 0 0 1px rgba(20, 92, 62, 0.06); 
  animation: cibilSlideUp 0.35s cubic-bezier(0.16, 1, 0.3, 1); 
}

.cibil-popup-header { 
  background: linear-gradient(135deg, #145C3E 0%, #0F3D32 100%); 
  padding: 1.35rem 1.5rem; 
  display: flex; 
  align-items: center; 
  justify-content: space-between; 
  gap: 1rem; 
  flex-shrink: 0; 
}
.cibil-popup-title { display: flex; align-items: center; gap: 0.85rem; }
.cibil-popup-icon { 
  width: 42px; height: 42px; border-radius: 0.85rem; 
  background: linear-gradient(135deg, #C4A84A, #A8892E); 
  display: flex; align-items: center; justify-content: center; 
  flex-shrink: 0; box-shadow: 0 4px 12px rgba(168, 137, 46, 0.35); 
}
.cibil-popup-title h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 1.15rem; font-weight: 700; color: #ffffff; margin: 0; letter-spacing: -0.01em; }
.cibil-popup-title p { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; color: #E8D48A; margin: 0.25rem 0 0 0; }
.cibil-close { 
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.18); 
  border-radius: 0.65rem; width: 32px; height: 32px; cursor: pointer; 
  display: flex; align-items: center; justify-content: center; 
  color: #fff; flex-shrink: 0; padding: 0; transition: background 0.2s;
}
.cibil-close:hover { background: rgba(255,255,255,0.25); }

.cibil-popup-body { 
  overflow-y: auto; 
  padding: 1.5rem; 
  background: linear-gradient(180deg, #F7FAF8 0%, #FFFFFF 28%); 
}
.cibil-step-content.hidden { display: none; }

/* Stepper */
.cibil-stepper { 
  display: flex; align-items: center; gap: 0.35rem; 
  margin-bottom: 1.35rem; flex-wrap: wrap; 
  padding: 0.65rem 0.75rem; 
  background: #FFFFFF; border-radius: 0.875rem; 
  border: 1px solid #E4EDE7; 
}
.cibil-step { display: flex; align-items: center; gap: 0.35rem; flex-shrink: 0; }
.cibil-step span:first-child { 
  width: 24px; height: 24px; border-radius: 50%; 
  display: inline-flex; align-items: center; justify-content: center; 
  font-size: 0.68rem; font-weight: 700; font-family: 'DM Sans', sans-serif; 
  background: #EEF2EF; color: #8A9A92; transition: all 0.2s;
}
.cibil-step.active span:first-child { background: #145C3E; color: #ffffff; box-shadow: 0 0 0 3px rgba(20,92,62,0.15); }
.cibil-step span:last-child { font-family: 'DM Sans', sans-serif; font-size: 0.72rem; font-weight: 500; color: #8A9A92; }
.cibil-step.active span:last-child { color: #145C3E; font-weight: 700; }
.cibil-line { flex: 1; min-width: 10px; height: 2px; background: #E2E8F0; border-radius: 1px; }

/* Form */
.cibil-intro { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; color: #5A6B63; line-height: 1.6; margin-top: 0; margin-bottom: 1.35rem; }
.cibil-row { display: flex; gap: 1rem; margin-bottom: 1rem; flex-wrap: wrap; }
.cibil-field { flex: 1 1 180px; }
.cibil-field label { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 600; color: #3D4F47; display: block; margin-bottom: 0.45rem; }
.cibil-field input, .cibil-field select { 
  width: 100%; box-sizing: border-box; padding: 0.9rem 1rem; 
  background: #FFFFFF; border: 1px solid #D8E3DC; 
  border-radius: 0.875rem; color: #1A2420; 
  font-family: 'DM Sans', sans-serif; font-size: 0.9rem; 
  outline: none; transition: border-color 0.15s ease, box-shadow 0.15s ease; 
}
.cibil-field input:focus, .cibil-field select:focus { border-color: #145C3E; box-shadow: 0 0 0 3px rgba(20, 92, 62, 0.12); }
.cibil-field p { font-family: 'DM Sans', sans-serif; font-size: 0.72rem; color: #718096; margin: 0.35rem 0 0; line-height: 1.4; }
.cibil-field select { 
  cursor: pointer; appearance: none; 
  background: #FFFFFF url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23145C3E' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E") no-repeat right 1rem center; 
  padding-right: 2.5rem; 
}

/* Buttons */
.cibil-btn-primary { 
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; 
  width: 100%; padding: 0.95rem 1.25rem; 
  background: linear-gradient(135deg, #145C3E 0%, #0F3D32 100%); 
  color: #ffffff; font-family: 'DM Sans', sans-serif; 
  font-weight: 700; font-size: 0.95rem; border-radius: 0.875rem; 
  border: none; cursor: pointer; 
  box-shadow: 0 6px 18px rgba(20, 92, 62, 0.22); 
  transition: transform 0.15s ease, box-shadow 0.15s ease; 
}
.cibil-btn-primary:hover { transform: translateY(-1px); box-shadow: 0 8px 22px rgba(20, 92, 62, 0.3); }
.cibil-btn-secondary { 
  display: block; width: 100%; padding: 0.85rem; 
  background: transparent; color: #718096; 
  border: none; font-family: 'DM Sans', sans-serif; 
  font-weight: 700; font-size: 0.9rem; cursor: pointer; 
  text-align: center;
}

/* Consent Checkbox */
.cibil-consent { 
  display: flex; align-items: flex-start; gap: 0.7rem; 
  margin-bottom: 1.35rem; cursor: pointer; 
  font-family: 'DM Sans', sans-serif; font-size: 0.8rem; 
  color: #4A5568; line-height: 1.5; 
  padding: 0.85rem 1rem; background: #FFFFFF; 
  border: 1px solid #E4EDE7; border-radius: 0.875rem; 
}
.cibil-consent input { 
  margin-top: 0.15rem; width: 16px; height: 16px; 
  flex-shrink: 0; accent-color: #145C3E; cursor: pointer; 
}

/* Payment Box */
.cibil-payment-box { 
  background: linear-gradient(160deg, #F0F7F3 0%, #FFFFFF 60%); 
  border: 1px solid rgba(20, 92, 62, 0.16); 
  border-radius: 1.1rem; padding: 1.35rem; 
  margin-bottom: 1.25rem; 
  box-shadow: 0 8px 24px rgba(20, 92, 62, 0.06); 
}
.cibil-payment-label { margin: 0 0 0.35rem; font-family: 'DM Sans', sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: #8A9A92; }
.cibil-payment-amount { margin: 0 0 1rem; font-family: 'Playfair Display', Georgia, serif; font-size: 2.35rem; font-weight: 700; color: #145C3E; line-height: 1; }
.cibil-payment-row { border-top: 1px solid #E4EDE7; padding-top: 0.85rem; display: flex; justify-content: space-between; gap: 0.75rem; font-family: 'DM Sans', sans-serif; font-size: 0.85rem; }
.cibil-payment-row span:first-child { color: #718096; }
.cibil-payment-row span:last-child { color: #1A2420; font-weight: 600; text-align: right; }

@keyframes cibilFadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes cibilSlideUp { from { transform: translateY(30px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }