/* ==========================================================================
   TOPS CAPITAL — Design System
   ========================================================================== */

:root{
  /* Brand red — sampled from logo gradient */
  --red-50:  #fef2f1;
  --red-100: #fde3e1;
  --red-200: #fbc9c5;
  --red-300: #f7a29a;
  --red-400: #f16f62;
  --red-500: #e63c2e;
  --red-600: #d21f1a;
  --red-700: #ad1616;
  --red-800: #8f1416;
  --red-900: #6e1213;

  --ink-950: #180e0d;
  --ink-900: #241614;
  --ink-800: #3a2422;
  --ink-700: #55372f;
  --ink-600: #6f4c42;
  --ink-500: #8a6459;

  --warm-50: #fffaf8;
  --warm-100: #fdf5f2;
  --warm-200: #f7ebe6;

  --paper: #fffdfc;
  --line: #eee0dc;

  --gold: #b8863a;

  --shadow-sm: 0 1px 2px rgba(36,22,20,0.06), 0 1px 1px rgba(36,22,20,0.04);
  --shadow-md: 0 8px 24px -8px rgba(109,18,19,0.18), 0 2px 8px -2px rgba(36,22,20,0.08);
  --shadow-lg: 0 24px 48px -16px rgba(109,18,19,0.22), 0 8px 20px -6px rgba(36,22,20,0.10);
  --shadow-btn: 0 10px 24px -8px rgba(210,31,26,0.45);

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-pill: 999px;

  --font-display: 'Space Grotesk', 'Plus Jakarta Sans', -apple-system, sans-serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --container: 1220px;
}

*,*::before,*::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink-900);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
  font-size: 16px;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ list-style:none; margin:0; padding:0; }
button{ font-family:inherit; cursor:pointer; }
input,select,textarea{ font-family:inherit; font-size:inherit; }

h1,h2,h3,h4{
  font-family: var(--font-display);
  font-weight:600;
  line-height:1.12;
  margin:0 0 .5em;
  color: var(--ink-950);
  letter-spacing: -0.01em;
}
h1{ font-size: clamp(2.2rem, 4.4vw, 3.75rem); font-weight:700; }
h2{ font-size: clamp(1.7rem, 3vw, 2.6rem); }
h3{ font-size: clamp(1.15rem, 1.6vw, 1.4rem); }
p{ margin:0 0 1em; color: var(--ink-700); }

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

section{ position:relative; }
.section-pad{ padding: 96px 0; }
@media (max-width: 768px){ .section-pad{ padding: 64px 0; } }

/* --- eyebrow / kicker --- */
.kicker{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family: var(--font-body);
  font-weight:600;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--red-600);
  margin-bottom: 14px;
}
.kicker::before{
  content:'';
  width:18px; height:2px;
  background: var(--red-600);
  border-radius:2px;
}

.section-head{
  max-width: 640px;
  margin-bottom: 52px;
}
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head p{ font-size: 1.05rem; }

/* --- buttons --- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding: 15px 30px;
  border-radius: var(--radius-pill);
  font-weight:600;
  font-size: 0.98rem;
  border: 1px solid transparent;
  transition: transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease, border-color .25s ease;
  white-space: nowrap;
}
.btn-primary{
  position:relative;
  background: linear-gradient(135deg, var(--red-500), var(--red-700));
  color:#fff;
  box-shadow: var(--shadow-btn);
  overflow:hidden;
  z-index:0;
}
.btn-primary::before{
  content:'';
  position:absolute; inset:0;
  background: radial-gradient(120px circle at var(--mx,50%) var(--my,50%), rgba(255,255,255,0.35), transparent 70%);
  opacity:0; transition: opacity .3s ease;
  z-index:-1;
}
.btn-primary:hover::before{ opacity:1; }
.btn-primary:hover{ transform: translateY(-2px); box-shadow: 0 16px 30px -10px rgba(210,31,26,0.55); }
.btn-outline{
  background: transparent;
  border-color: var(--ink-900);
  color: var(--ink-900);
}
.btn-outline:hover{ background: var(--ink-900); color:#fff; transform: translateY(-2px); }
.btn-ghost-light{
  background: rgba(255,255,255,0.12);
  border-color: rgba(255,255,255,0.4);
  color:#fff;
  backdrop-filter: blur(6px);
}
.btn-ghost-light:hover{ background:#fff; color: var(--ink-950); }
.btn-sm{ padding: 10px 20px; font-size: 0.88rem; }
.btn-block{ width:100%; }

/* ==========================================================================
   Header
   ========================================================================== */
.topbar{
  background: var(--ink-950);
  color: #f3e6e4;
  font-size: 0.82rem;
}
.topbar .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:9px; padding-bottom:9px;
  gap: 20px;
}
.topbar-left{ display:flex; gap:22px; align-items:center; flex-wrap:wrap; }
.topbar a:hover{ color: var(--red-300); }
.topbar-left span, .topbar-left a{ display:inline-flex; align-items:center; gap:7px; color:#e9d5d2; }
.topbar-social{ display:flex; gap:14px; }
.topbar-social a{ color:#e9d5d2; opacity:.85; }
.topbar-social a:hover{ opacity:1; }

.scroll-progress{
  position:fixed; top:0; left:0; height:3px; width:0%;
  background: linear-gradient(90deg, var(--red-500), var(--red-700));
  z-index:300;
  transition: width .1s linear;
}
.site-header{
  position: sticky; top:0; z-index:100;
  background: rgba(255,253,252,0.88);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .3s ease;
}
.site-header.scrolled{ box-shadow: 0 4px 20px rgba(24,14,13,0.06); }
.site-header .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:14px; padding-bottom:14px;
  gap: 24px;
}
.brand{ display:flex; align-items:center; gap:10px; flex-shrink:0; }
.brand img{ height:44px; width:auto; }
.brand-text{ font-family: var(--font-display); font-weight:700; font-size:1.28rem; color: var(--ink-950); line-height:1.05; }
.brand-text small{ display:block; font-family: var(--font-body); font-weight:600; font-size:.6rem; letter-spacing:.16em; color: var(--red-600); text-transform:uppercase; }

.main-nav{ display:flex; align-items:center; gap: 4px; flex-shrink:1; min-width:0; }
.main-nav > ul{ display:flex; align-items:center; gap: 0; flex-wrap:nowrap; }
.main-nav > ul > li{ flex-shrink:0; }
.main-nav a.nav-link{
  position:relative;
  display:flex; align-items:center; gap:4px;
  padding: 10px 11px;
  font-weight:600; font-size:0.87rem;
  color: var(--ink-800);
  border-radius: var(--radius-pill);
  white-space: nowrap;
  transition: color .2s ease, background .2s ease;
}
.main-nav a.nav-link:hover{ color: var(--red-600); background: var(--red-50); }
.main-nav a.nav-link::after{
  content:'';
  position:absolute; left:14px; right:14px; bottom:5px;
  height:2px; border-radius:2px;
  background: var(--red-600);
  transform: scaleX(0); transform-origin:left;
  transition: transform .25s ease;
}
.main-nav a.nav-link:hover::after{ transform: scaleX(1); }
.has-dropdown{ position:relative; }
.dropdown{
  position:absolute; top: calc(100% + 10px); left:0;
  min-width: 260px;
  background: #fff;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border:1px solid var(--line);
  padding: 10px;
  opacity:0; visibility:hidden; transform: translateY(8px);
  transition: all .22s ease;
  z-index: 50;
}
.has-dropdown:hover .dropdown{ opacity:1; visibility:visible; transform: translateY(0); }
.dropdown a{ display:block; padding:10px 14px; border-radius: 10px; font-size:0.92rem; font-weight:500; color: var(--ink-800); }
.dropdown a:hover{ background: var(--red-50); color: var(--red-600); }
.dropdown-cols{ display:grid; grid-template-columns:1fr 1fr; gap:2px; min-width:440px; }

.header-cta{ display:flex; align-items:center; gap:12px; flex-shrink:0; }
.header-phone{ display:flex; align-items:center; gap:9px; font-weight:600; font-size:0.92rem; }
.header-phone .icon-circle{ width:38px; height:38px; border-radius:50%; background: var(--red-50); color:var(--red-600); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.header-phone-label{ display:block; font-size:.68rem; color:var(--ink-500); font-weight:600; text-transform:uppercase; letter-spacing:.06em; }

.nav-toggle{ display:none; width:44px; height:44px; align-items:center; justify-content:center; border-radius:12px; border:1px solid var(--line); background:#fff; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after{
  content:''; display:block; width:20px; height:2px; background: var(--ink-900); border-radius:2px; position:relative; transition: all .25s ease;
}
.nav-toggle span::before{ position:absolute; top:-6px; }
.nav-toggle span::after{ position:absolute; top:6px; }

@media (max-width: 1220px){
  .main-nav{ position: fixed; inset: 0 0 0 auto; width:min(360px,86vw); height:100vh; background:#fff; flex-direction:column; align-items:stretch; padding: 90px 24px 24px; box-shadow: -20px 0 50px rgba(24,14,13,0.18); transform: translateX(100%); transition: transform .35s ease; overflow-y:auto; }
  .main-nav.open{ transform: translateX(0); }
  .main-nav > ul{ flex-direction:column; align-items:stretch; gap:2px; }
  .dropdown{ position:static; opacity:1; visibility:visible; transform:none; box-shadow:none; border:none; padding:0 0 0 14px; display:none; margin-top:2px; }
  .has-dropdown.open .dropdown{ display:block; }
  .dropdown-cols{ grid-template-columns:1fr; min-width:0; }
  .header-phone-label{ display:none; }
  .nav-toggle{ display:flex; }
  .nav-scrim{ display:none; position:fixed; inset:0; background:rgba(24,14,13,0.4); z-index:90; }
  .nav-scrim.open{ display:block; }
}
@media (max-width: 560px){
  .header-phone{ display:none; }
  .topbar-left span:last-child{ display:none; }
  .site-header .container{ gap:10px; padding-left:16px; padding-right:16px; }
  .brand{ gap:8px; }
  .brand img{ height:34px; }
  .brand-text{ font-size:1.02rem; }
  .brand-text small{ font-size:.52rem; }
  .header-cta{ gap:8px; }
  .header-cta .btn{ padding:10px 16px; font-size:0.82rem; }
  .nav-toggle{ width:38px; height:38px; flex-shrink:0; }
}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero{
  position:relative;
  overflow:hidden;
  padding: 76px 0 100px;
}
.hero-bg-carousel{
  position:absolute; inset:0; z-index:0;
  overflow:hidden;
  background: linear-gradient(180deg, var(--warm-50) 0%, var(--paper) 100%);
}
.hero-bg-slide{
  position:absolute; inset:0;
  background-size:cover; background-position:center;
  opacity:0;
  transition: opacity 1.6s ease, transform 2.6s cubic-bezier(.25,.8,.25,1);
}
.hero-bg-slide.active{ opacity:1; z-index:1; transform:none !important; }
.hero-bg-slide.pos-business{ background-position: center 15%; }
.hero-bg-slide.anim-zoom-in{ transform: scale(1.1); }
.hero-bg-slide.anim-zoom-out{ transform: scale(0.94); }
.hero-bg-slide.anim-slide-right{ transform: translateX(-3.5%) scale(1.06); }
.hero-bg-slide.anim-slide-left{ transform: translateX(3.5%) scale(1.06); }

.hero-bg-carousel .hero-bg-overlay{
  position:absolute; inset:0; z-index:2;
  background: rgba(19,12,11,0.6);
}
.hero-slide-dots{
  position:absolute; left:50%; bottom:22px; transform:translateX(-50%); z-index:5;
  display:flex; gap:8px;
}
.hero-slide-dots button{
  width:8px; height:8px; border-radius:50%; border:none; padding:0;
  background: rgba(255,255,255,0.55);
  transition: all .3s ease; cursor:pointer;
}
.hero-slide-dots button.active{ width:22px; border-radius:5px; background:#fff; }

.hero-arrow{
  position:absolute; top:50%; z-index:5; transform:translateY(-50%);
  width:46px; height:46px; border-radius:50%;
  background: rgba(255,255,255,0.16);
  border:1px solid rgba(255,255,255,0.35);
  color:#fff;
  backdrop-filter: blur(6px);
  display:flex; align-items:center; justify-content:center;
  cursor:pointer;
  transition: all .25s ease;
}
.hero-arrow:hover{ background:#fff; color:var(--ink-950); }
.hero-arrow-prev{ left:18px; }
.hero-arrow-next{ right:18px; }
@media (max-width: 760px){
  .hero-arrow{ width:38px; height:38px; }
  .hero-arrow-prev{ left:8px; } .hero-arrow-next{ right:8px; }
}
.hero::after{
  content:'';
  position:absolute; inset:auto -10% -30% auto;
  width:640px; height:640px;
  background: conic-gradient(from 200deg, var(--red-300), var(--red-600), var(--red-800), var(--red-300));
  opacity:.08;
  border-radius:50%;
  filter: blur(10px);
  z-index:0;
}
.hero .container{ position:relative; z-index:2; display:grid; grid-template-columns: 1.05fr 0.95fr; gap:56px; align-items:center; }
.hero-badge-text, .hero-title, .hero-sub{ transition: opacity .35s ease; }
.hero-content.switching .hero-badge-text,
.hero-content.switching .hero-title,
.hero-content.switching .hero-sub{ opacity:0; }
.hero-badge{
  display:inline-flex; align-items:center; gap:10px;
  background:#fff; border:1px solid var(--line); box-shadow: var(--shadow-sm);
  padding:8px 16px 8px 8px; border-radius: var(--radius-pill);
  font-size:0.82rem; font-weight:600; color: var(--ink-800);
  margin-bottom:26px;
}
.hero-badge .dot-cluster{ display:flex; }
.hero-badge .dot-cluster span{ width:22px;height:22px;border-radius:50%; border:2px solid #fff; background: var(--red-200); margin-left:-8px; }
.hero-badge .dot-cluster span:first-child{ margin-left:0; }
.hero h1{ margin-bottom:22px; color:#fff; }
.hero h1 em{ font-style:normal; color: var(--red-400); position:relative; }
.hero-sub{
  font-size: 1.12rem; color: rgba(255,255,255,0.86); max-width:540px; margin-bottom:34px;
}
.hero-sub strong{ color:#fff; }
.hero-actions{ display:flex; gap:16px; flex-wrap:wrap; margin-bottom:44px; }
.hero-actions .btn-outline{
  background: rgba(255,253,252,0.9);
  backdrop-filter: blur(6px);
  border-color: rgba(255,253,252,0.9);
  color: var(--ink-950);
}
.hero-actions .btn-outline:hover{ background:#fff; border-color:#fff; color: var(--ink-950); }
.hero-stats{ display:flex; gap:36px; flex-wrap:wrap; }
.hero-stats .stat b{
  display:block; font-family:var(--font-display); font-size:1.7rem; color:#fff;
}
.hero-stats .stat span{
  font-size:0.82rem; color:rgba(255,255,255,0.7); font-weight:700;
}

.hero-visual{ position:relative; }
.hero-card{
  position:relative; z-index:2;
  border-radius: var(--radius-lg);
  overflow:hidden;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(160deg, var(--ink-950), var(--ink-800) 55%, var(--red-800));
  padding: 34px;
  color:#fff;
  aspect-ratio: 4/3.1;
  display:flex; flex-direction:column; justify-content:space-between;
}
.hero-card-top{ display:flex; justify-content:space-between; align-items:flex-start; }
.hero-card-top .tag{ background:rgba(255,255,255,0.12); border:1px solid rgba(255,255,255,0.25); padding:6px 14px; border-radius:999px; font-size:0.76rem; font-weight:600; letter-spacing:.04em; }
.hero-card-amount{ font-family:var(--font-display); font-size:2.6rem; font-weight:700; }
.hero-card-amount span{ font-size:1rem; font-weight:500; color: rgba(255,255,255,0.65); display:block; margin-bottom:6px; font-family:var(--font-body); }
.hero-card-bars{ display:flex; align-items:flex-end; gap:8px; height:64px; margin:18px 0; }
.hero-card-bars i{ flex:1; background: linear-gradient(180deg, var(--red-300), var(--red-500)); border-radius:6px 6px 2px 2px; opacity:.9; }
.hero-card-foot{ display:flex; justify-content:space-between; align-items:center; font-size:0.82rem; color:rgba(255,255,255,0.75); border-top:1px solid rgba(255,255,255,0.15); padding-top:16px; }
.floating-chip{
  position:absolute; z-index:3;
  background:#fff; border-radius:16px; box-shadow: var(--shadow-md);
  padding:14px 18px; display:flex; align-items:center; gap:12px;
  font-size:0.85rem; font-weight:600;
}
.floating-chip .ic{ width:38px;height:38px;border-radius:11px; background:var(--red-50); color:var(--red-600); display:flex; align-items:center; justify-content:center; }
.chip-1{ top:-8%; left:-9%; }
.chip-2{ bottom:6%; right:-10%; }
.chip-1 small, .chip-2 small{ display:block; color:var(--ink-500); font-weight:500; font-size:.72rem; }

@media (max-width: 1000px){
  .hero .container{ grid-template-columns:1fr; }
  .hero-visual{ max-width:460px; margin:0 auto; }
  .chip-1{ left:-4%; } .chip-2{ right:-4%; }
}
@media (max-width: 560px){
  .floating-chip{ padding:10px 14px; gap:8px; font-size:0.76rem; }
  .floating-chip .ic{ width:32px;height:32px; }
  .chip-1{ top:-6%; left:-2%; } .chip-2{ bottom:2%; right:-2%; }
}
/* ==========================================================================
   Why choose us
   ========================================================================== */
.features-grid{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap:22px;
}
.feature-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 30px 26px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.feature-card:hover{ transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.feature-icon{
  width:52px; height:52px; border-radius:14px;
  background: linear-gradient(135deg, var(--red-50), var(--red-100));
  color: var(--red-600);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:18px;
}
.feature-card h3{ margin-bottom:8px; font-size:1.08rem; }
.feature-card p{ font-size:0.92rem; margin-bottom:0; }
@media (max-width: 980px){ .features-grid{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px){ .features-grid{ grid-template-columns: 1fr; } }

/* --- Why choose us: split layout --- */
.why-split{ display:grid; grid-template-columns: 0.85fr 1.15fr; gap:64px; align-items:center; }
.why-visual{ position:relative; }
.why-image{
  border-radius: var(--radius-lg);
  overflow:hidden;
  aspect-ratio: 4/4.6;
  box-shadow: var(--shadow-lg);
  position:relative;
}
.why-image::after{
  content:'';
  position:absolute; inset:0;
  background: linear-gradient(200deg, rgba(210,31,26,0.28), rgba(24,14,13,0.35) 70%);
  mix-blend-mode:multiply;
}
.why-image img{ width:100%; height:100%; object-fit:cover; display:block; }
.why-float-card{
  position:absolute; z-index:3;
  background:#fff; border-radius:16px; box-shadow: var(--shadow-md);
  padding:14px 18px; display:flex; align-items:center; gap:12px;
  font-size:0.85rem; font-weight:600;
}
.why-float-card .ic{ width:38px;height:38px;border-radius:11px; background:var(--red-50); color:var(--red-600); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.why-float-card b{ display:block; font-family:var(--font-display); font-size:1rem; }
.why-float-card span{ font-size:0.72rem; color:var(--ink-500); font-weight:500; }
.why-float-1{ top:8%; right:-8%; }
.why-float-2{ bottom:10%; left:-10%; }

.why-content .section-head{ margin-bottom:36px; }
.why-list{ display:grid; grid-template-columns: 1fr 1fr; gap:28px 26px; }
.why-item{ display:flex; gap:16px; align-items:flex-start; }
.why-item .feature-icon{ margin-bottom:0; flex-shrink:0; }
.why-item h3{ font-size:1rem; margin-bottom:6px; }
.why-item p{ font-size:0.88rem; margin-bottom:0; }

@media (max-width: 1080px){
  .why-split{ grid-template-columns:1fr; gap:40px; }
  .why-visual{ max-width:420px; margin:0 auto; }
}
@media (max-width: 640px){
  .why-list{ grid-template-columns:1fr; }
  .why-float-1{ right:0; } .why-float-2{ left:0; }
}
@media (max-width: 480px){
  .why-float-card{ padding:10px 14px; gap:8px; }
  .why-float-card .ic{ width:32px; height:32px; }
}

/* ==========================================================================
   Services
   ========================================================================== */
.services-band{
  position:relative; z-index:1; overflow:hidden;
  background: linear-gradient(180deg, var(--red-50) 0%, var(--warm-50) 55%, var(--paper) 100%);
}
.services-band::before{
  content:'';
  position:absolute; inset:auto -8% -20% auto;
  width:520px; height:520px;
  background: radial-gradient(circle, var(--red-200), transparent 70%);
  opacity:.35; border-radius:50%; filter: blur(20px); z-index:0;
}
.services-grid{ position:relative; z-index:1; display:grid; grid-template-columns: repeat(4,1fr); gap:20px; }
.service-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius: var(--radius-md);
  padding:28px 24px;
  box-shadow: var(--shadow-sm);
  transition: all .25s ease;
}
.service-card:hover{ transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-icon{
  width:48px; height:48px; border-radius:12px;
  background: linear-gradient(135deg, var(--red-500), var(--red-700));
  color:#fff; display:flex; align-items:center; justify-content:center;
  margin-bottom:20px;
}
.service-card h3{ color: var(--ink-950); font-size:1.02rem; margin-bottom:8px; }
.service-card p{ color: var(--ink-600); font-size:0.86rem; margin-bottom:16px; }
.service-arrow{ color: var(--red-600); font-weight:600; font-size:0.86rem; display:inline-flex; align-items:center; gap:6px; transition: gap .25s ease; }
.service-card:hover .service-arrow{ gap:10px; }
@media (max-width: 980px){ .services-grid{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px){ .services-grid{ grid-template-columns: 1fr; } }

/* ==========================================================================
   Process
   ========================================================================== */
.process-grid{ display:grid; grid-template-columns: repeat(6,1fr); gap:18px; counter-reset: step; }
.process-step{ position:relative; text-align:center; padding:30px 16px; }
.process-step::before{
  counter-increment: step;
  content: counter(step);
  width:52px; height:52px; border-radius:50%; margin:0 auto 18px;
  background: linear-gradient(135deg, var(--red-500), var(--red-700));
  color:#fff; font-family:var(--font-display); font-weight:700; font-size:1.15rem;
  display:flex; align-items:center; justify-content:center;
  box-shadow: 0 8px 18px -6px rgba(210,31,26,0.5);
}
.process-step h3{ font-size:0.98rem; margin-bottom:6px; }
.process-step p{ font-size:0.82rem; margin-bottom:0; }
.process-step:not(:last-child)::after{
  content:'';
  position:absolute; top:56px; left:calc(50% + 40px); width:calc(100% - 60px);
  height:2px; background: repeating-linear-gradient(90deg, var(--line) 0 8px, transparent 8px 14px);
}
@media (max-width: 980px){
  .process-grid{ grid-template-columns: repeat(3,1fr); }
  .process-step:nth-child(3)::after{ display:none; }
}
@media (max-width: 620px){
  .process-grid{ grid-template-columns: repeat(2,1fr); }
  .process-step::after{ display:none; }
}

/* ==========================================================================
   EMI Calculator
   ========================================================================== */
.calc-wrap{
  display:grid; grid-template-columns: 1.1fr 0.9fr; gap:0;
  background:#fff; border-radius: var(--radius-lg); overflow:hidden;
  box-shadow: var(--shadow-lg); border:1px solid var(--line);
}
.calc-form{ padding:44px; }
.calc-field{ margin-bottom:26px; }
.calc-field-head{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:10px; }
.calc-field label{ font-weight:600; font-size:0.92rem; }
.calc-field .val{ font-family:var(--font-display); font-weight:600; color: var(--red-600); }
.calc-field input[type=range]{
  -webkit-appearance:none; width:100%; height:6px; border-radius:6px;
  background: var(--warm-200);
}
.calc-field input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none; width:22px;height:22px;border-radius:50%;
  background: var(--red-600); border:4px solid #fff; box-shadow: 0 2px 8px rgba(210,31,26,0.5); cursor:pointer;
}
.calc-inputs-row{ display:grid; grid-template-columns: 1fr 1fr; gap:20px; margin-bottom:8px; }
.calc-inputs-row .calc-field{ margin-bottom:20px; }
.calc-result{
  background: linear-gradient(160deg, var(--ink-950), var(--ink-800) 60%, var(--red-800));
  color:#fff; padding:44px; display:flex; flex-direction:column; justify-content:center;
}
.calc-result-main{ text-align:center; padding:26px 0 30px; border-bottom:1px solid rgba(255,255,255,0.15); margin-bottom:26px; }
.calc-result-main span{ font-size:0.85rem; color:rgba(255,255,255,0.65); font-weight:600; text-transform:uppercase; letter-spacing:.06em; }
.calc-result-main b{ display:block; font-family:var(--font-display); font-size:2.6rem; margin-top:8px; }
.calc-result-rows{ display:flex; flex-direction:column; gap:16px; margin-bottom:28px; }
.calc-result-rows div{ display:flex; justify-content:space-between; font-size:0.92rem; color:rgba(255,255,255,0.8); }
.calc-result-rows b{ color:#fff; font-weight:600; }
@media (max-width: 900px){ .calc-wrap{ grid-template-columns:1fr; } .calc-form,.calc-result{ padding:32px 24px; } .calc-inputs-row{ grid-template-columns:1fr; } }

/* ==========================================================================
   Partners
   ========================================================================== */
.marquee{
  overflow:hidden;
  padding: 14px 0 20px;
  margin: -14px 0 -20px;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track{
  display:flex; align-items:center; gap:20px; width:max-content;
  animation: marquee-scroll 34s linear infinite;
}
.marquee:hover .marquee-track{ animation-play-state: paused; }
@keyframes marquee-scroll{
  from{ transform: translateX(0); }
  to{ transform: translateX(-50%); }
}
.partner-logo{
  flex:0 0 auto;
  width:200px; height:96px;
  background:#fff; border:1px solid var(--line); border-radius: var(--radius-md);
  display:flex; align-items:center; justify-content:center;
  padding:20px 26px;
  transition: all .25s ease;
}
.partner-logo:hover{ border-color: var(--red-200); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.partner-logo img{ max-width:100%; max-height:100%; object-fit:contain; filter: grayscale(1) opacity(0.55); transition: filter .3s ease; }
.partner-logo:hover img{ filter: grayscale(0) opacity(1); }
.partner-logo .wordmark{ font-family: var(--font-display); font-weight:700; font-size:0.92rem; text-align:center; letter-spacing:.01em; opacity:.7; transition: opacity .3s ease; }
.partner-logo:hover .wordmark{ opacity:1; }
@media (max-width: 560px){
  .partner-logo{ width:150px; height:78px; padding:14px 18px; }
}

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testi-track-wrap{ overflow:visible; }
.testi-track{
  display:flex; gap:22px;
  overflow-x:auto;
  scroll-snap-type: x mandatory;
  scroll-behavior:smooth;
  padding: 6px 6px 26px;
  margin-bottom:-20px;
  -ms-overflow-style:none;
  scrollbar-width:none;
}
.testi-track::-webkit-scrollbar{ display:none; }
.testi-card{
  flex: 0 0 360px;
  scroll-snap-align:start;
  background:#fff; border:1px solid var(--line); border-radius: var(--radius-md);
  padding:30px; box-shadow: var(--shadow-sm);
  transition: transform .3s ease, box-shadow .3s ease;
}
.testi-card:hover{ transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testi-stars{ color: var(--gold); letter-spacing:2px; margin-bottom:14px; font-size:0.95rem; }
.testi-card p{ font-size:0.94rem; color: var(--ink-700); }
.testi-person{ display:flex; align-items:center; gap:12px; margin-top:18px; }
.testi-avatar{ width:46px; height:46px; border-radius:50%; object-fit:cover; flex-shrink:0; border:2px solid var(--red-100); }
.testi-person b{ display:block; font-size:0.9rem; }
.testi-person span{ font-size:0.78rem; color:var(--ink-500); }
.testi-controls{ display:flex; gap:12px; margin-top:30px; justify-content:center; }
.testi-controls button{
  width:44px; height:44px; border-radius:50%; border:1px solid var(--line); background:#fff;
  display:flex; align-items:center; justify-content:center; transition: all .2s ease;
}
.testi-controls button:hover{ background: var(--ink-950); color:#fff; border-color:var(--ink-950); }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-list{ max-width:820px; margin:0 auto; }
.faq-item{ border-bottom:1px solid var(--line); }
.faq-q{
  width:100%; display:flex; justify-content:space-between; align-items:center; gap:20px;
  padding:24px 4px; background:none; border:none; text-align:left;
  font-family: var(--font-display); font-weight:600; font-size:1.02rem; color: var(--ink-950);
}
.faq-q .plus{ flex-shrink:0; width:34px; height:34px; border-radius:50%; border:1px solid var(--line); display:flex; align-items:center; justify-content:center; position:relative; transition: all .3s ease; }
.faq-q .plus::before, .faq-q .plus::after{ content:''; position:absolute; background: var(--ink-900); transition: all .3s ease; }
.faq-q .plus::before{ width:12px; height:2px; }
.faq-q .plus::after{ width:2px; height:12px; }
.faq-item.open .faq-q .plus{ background: var(--red-600); border-color: var(--red-600); transform: rotate(180deg); }
.faq-item.open .faq-q .plus::before, .faq-item.open .faq-q .plus::after{ background:#fff; }
.faq-item.open .faq-q .plus::after{ transform: scaleY(0); }
.faq-a{ max-height:0; overflow:hidden; transition: max-height .35s ease; }
.faq-a-in{ padding:0 4px 24px; max-width:680px; }
.faq-a-in p{ margin:0; font-size:0.94rem; }

/* ==========================================================================
   Contact
   ========================================================================== */
.contact-wrap{ display:grid; grid-template-columns: 1fr 1fr; gap:44px; align-items:start; }
.contact-info-card{
  background: linear-gradient(160deg, var(--ink-950), var(--ink-800) 60%, var(--red-800));
  color:#fff; border-radius: var(--radius-lg); padding:40px; height:100%;
}
.contact-info-card h3{ color:#fff; }
.contact-row{ display:flex; gap:16px; padding:18px 0; border-bottom:1px solid rgba(255,255,255,0.14); }
.contact-row:last-of-type{ border-bottom:none; }
.contact-row .ic{ width:44px; height:44px; border-radius:12px; background:rgba(255,255,255,0.1); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.contact-row b{ display:block; font-size:0.94rem; margin-bottom:2px; }
.contact-row span, .contact-row a{ font-size:0.86rem; color: rgba(255,255,255,0.72); }
.contact-map{ margin-top:24px; border-radius:16px; overflow:hidden; border:1px solid rgba(255,255,255,0.18); }
.contact-map iframe{ width:100%; height:200px; border:0; display:block; filter: grayscale(0.2) contrast(1.05); }

.form-card{ background:#fff; border:1px solid var(--line); border-radius: var(--radius-lg); padding:40px; box-shadow: var(--shadow-md); }
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.form-field{ margin-bottom:18px; }
.form-field.full{ grid-column: 1 / -1; }
.form-field label{ display:block; font-size:0.85rem; font-weight:600; margin-bottom:8px; color: var(--ink-800); }
.form-field input, .form-field select, .form-field textarea{
  width:100%; padding:13px 16px; border-radius:11px; border:1px solid var(--line);
  background: var(--warm-50); color: var(--ink-900); transition: border-color .2s ease, box-shadow .2s ease;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus{
  outline:none; border-color: var(--red-500); box-shadow: 0 0 0 4px var(--red-50); background:#fff;
}
.form-field textarea{ resize:vertical; min-height:100px; }
@media (max-width: 980px){ .contact-wrap{ grid-template-columns:1fr; } }
@media (max-width: 560px){ .form-grid{ grid-template-columns:1fr; } }

/* ==========================================================================
   CTA band
   ========================================================================== */
.cta-band{
  background:
    linear-gradient(120deg, rgba(210,31,26,0.92), rgba(111,18,19,0.94)),
    url('../images/photos/handshake.jpg') center/cover;
  border-radius: var(--radius-lg);
  padding: 56px 60px;
  display:flex; align-items:center; justify-content:space-between; gap:30px; flex-wrap:wrap;
  color:#fff; position:relative; overflow:hidden;
}
.cta-band::before{ content:''; position:absolute; width:340px; height:340px; border-radius:50%; background: rgba(255,255,255,0.08); top:-140px; right:-80px; }
.cta-band h2{ color:#fff; margin-bottom:8px; }
.cta-band p{ color: rgba(255,255,255,0.82); margin-bottom:0; }
.cta-actions{ display:flex; gap:14px; flex-wrap:wrap; position:relative; z-index:2; }
@media (max-width: 760px){ .cta-band{ padding:40px 28px; } }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer{ background: var(--ink-950); color: rgba(242,230,228,0.65); padding-top:76px; }
.footer-top{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.1fr; gap:36px; padding-bottom:56px; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-brand .brand-text{ color:#fff; }
.footer-brand p{ color: rgba(242,230,228,0.55); font-size:0.9rem; margin:18px 0 22px; max-width:280px; }
.footer-social{ display:flex; gap:10px; }
.footer-social a{ width:38px; height:38px; border-radius:10px; background: rgba(255,255,255,0.06); display:flex; align-items:center; justify-content:center; transition: all .2s ease; }
.footer-social a:hover{ background: var(--red-600); }
.footer-col h4{ color:#fff; font-family:var(--font-body); font-weight:600; font-size:0.92rem; text-transform:uppercase; letter-spacing:.05em; margin-bottom:20px; }
.footer-col ul li{ margin-bottom:12px; }
.footer-col a{ font-size:0.89rem; transition: color .2s ease, padding-left .2s ease; }
.footer-col a:hover{ color:#fff; padding-left:4px; }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; padding:26px 0; font-size:0.82rem; flex-wrap:wrap; gap:12px; }
.footer-bottom a:hover{ color:#fff; }
.footer-legal{ display:flex; gap:22px; flex-wrap:wrap; }
.footer-disclaimer{ font-size:0.78rem; color: rgba(242,230,228,0.4); padding:20px 0; border-top:1px solid rgba(255,255,255,0.08); }
@media (max-width: 980px){ .footer-top{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .footer-top{ grid-template-columns: 1fr; } }

/* ==========================================================================
   Floating action buttons
   ========================================================================== */
.fab-stack{ position:fixed; right:24px; bottom:24px; z-index:200; display:flex; flex-direction:column; gap:14px; align-items:center; }
.fab{
  width:58px; height:58px; border-radius:50%; display:flex; align-items:center; justify-content:center;
  box-shadow: var(--shadow-lg); color:#fff; transition: transform .25s ease;
}
.fab:hover{ transform: scale(1.08); }
.fab-whatsapp{ background:#25D366; }
.fab-call{ background: linear-gradient(135deg, var(--red-500), var(--red-700)); width:50px; height:50px; }

/* ==========================================================================
   Reveal animation
   ========================================================================== */
[data-reveal]{ opacity:0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
[data-reveal].in-view{ opacity:1; transform:none; }

/* ==========================================================================
   Inner page banner + breadcrumb
   ========================================================================== */
.page-hero{
  position:relative; overflow:hidden;
  background:
    radial-gradient(900px 420px at 85% 0%, rgba(255,255,255,0.08), transparent 60%),
    linear-gradient(135deg, var(--ink-950) 0%, var(--ink-800) 55%, var(--red-800) 130%);
  padding: 52px 0 64px;
  color:#fff;
}
.breadcrumb{
  display:flex; flex-wrap:wrap; align-items:center; gap:8px;
  font-size:0.86rem; font-weight:600; color:rgba(255,255,255,0.6);
  margin-bottom:18px;
}
.breadcrumb a{ color:rgba(255,255,255,0.75); }
.breadcrumb a:hover{ color:#fff; }
.breadcrumb span.sep{ opacity:.5; }
.breadcrumb span.current{ color:#fff; }
.page-hero h1{ color:#fff; margin-bottom:12px; font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
.page-hero p{ color:rgba(255,255,255,0.78); font-size:1.05rem; max-width:640px; margin-bottom:0; }
.page-hero .hero-actions{ margin-top:24px; margin-bottom:0; display:flex; gap:14px; flex-wrap:wrap; }

/* ==========================================================================
   Prose (blog posts, legal pages)
   ========================================================================== */
.prose{ max-width:780px; margin:0 auto; }
.prose h2{ font-size:1.5rem; margin-top:2em; }
.prose h3{ font-size:1.18rem; margin-top:1.6em; }
.prose p{ font-size:1.02rem; line-height:1.75; }
.prose ul, .prose ol{ margin:0 0 1.2em; padding-left:1.4em; }
.prose ul{ list-style:disc; } .prose ol{ list-style:decimal; }
.prose li{ margin-bottom:.5em; font-size:1.02rem; color:var(--ink-700); line-height:1.7; }
.prose a{ color:var(--red-600); font-weight:600; text-decoration:underline; text-decoration-color:var(--red-200); }
.prose blockquote{
  margin:1.6em 0; padding:18px 24px; border-left:4px solid var(--red-500);
  background:var(--warm-100); border-radius:0 12px 12px 0; font-style:italic; color:var(--ink-800);
}
.prose img{ border-radius:var(--radius-md); margin:1.6em 0; }
.prose strong{ color:var(--ink-950); }

/* ==========================================================================
   Tool cards (Eligibility Checker, CIBIL, generic tool pages)
   ========================================================================== */
.tool-card{
  background:#fff; border:1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding:44px; max-width:820px; margin:0 auto;
}
.tool-tabs{ display:flex; gap:10px; margin-bottom:30px; flex-wrap:wrap; }
.tool-tab{
  flex:1; min-width:140px; padding:14px 18px; border-radius:12px; border:1.5px solid var(--line);
  background:var(--warm-50); font-weight:600; font-size:0.92rem; color:var(--ink-700); text-align:center;
  transition: all .2s ease; cursor:pointer;
}
.tool-tab.active{ background: linear-gradient(135deg, var(--red-500), var(--red-700)); border-color:transparent; color:#fff; box-shadow: var(--shadow-btn); }
.tool-result{
  margin-top:28px; padding:26px; border-radius:16px;
  background: linear-gradient(160deg, var(--ink-950), var(--ink-800) 60%, var(--red-800));
  color:#fff; display:none;
}
.tool-result.show{ display:block; }
.tool-result .amt{ font-family:var(--font-display); font-size:2.2rem; font-weight:700; }
.tool-result p{ color:rgba(255,255,255,0.75); margin-bottom:0; font-size:0.9rem; }

.tab-panel{ display:none; }
.tab-panel.active{ display:block; }

.tool-field{ margin-bottom:20px; }
.tool-field label{ display:block; font-size:0.85rem; font-weight:600; margin-bottom:8px; color: var(--ink-800); }
.tool-field input, .tool-field select{
  width:100%; padding:13px 16px; border-radius:11px; border:1px solid var(--line);
  background: var(--warm-50); color: var(--ink-900);
}
.tool-field input:focus, .tool-field select:focus{ outline:none; border-color: var(--red-500); box-shadow: 0 0 0 4px var(--red-50); background:#fff; }
.tool-fields-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
@media (max-width:560px){ .tool-fields-row{ grid-template-columns:1fr; } }

.score-scale{ display:flex; border-radius:10px; overflow:hidden; height:14px; margin:18px 0 10px; }
.score-scale span{ flex:1; }
.score-scale .poor{ background:#e0574a; } .score-scale .fair{ background:#f0a04b; }
.score-scale .good{ background:#e8c94a; } .score-scale .excellent{ background:#5fb87a; }
.score-labels{ display:flex; justify-content:space-between; font-size:0.76rem; color:var(--ink-500); font-weight:600; }

/* ==========================================================================
   Documents checklist + rate table
   ========================================================================== */
.doc-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:14px; }
.doc-item{
  display:flex; align-items:flex-start; gap:12px; background:#fff; border:1px solid var(--line);
  border-radius:12px; padding:16px 18px; font-size:0.94rem; color:var(--ink-800); font-weight:500;
}
.doc-item .ic{ color:var(--red-600); flex-shrink:0; margin-top:2px; }
@media (max-width:640px){ .doc-grid{ grid-template-columns:1fr; } }

.rate-table{ width:100%; border-collapse:collapse; background:#fff; border-radius:var(--radius-md); overflow:hidden; box-shadow:var(--shadow-sm); }
.rate-table th, .rate-table td{ padding:16px 20px; text-align:left; font-size:0.94rem; border-bottom:1px solid var(--line); }
.rate-table th{ background:var(--warm-100); font-family:var(--font-display); font-weight:600; color:var(--ink-900); }
.rate-table td{ color:var(--ink-700); }
.rate-table tr:last-child td{ border-bottom:none; }

/* ==========================================================================
   Blog cards
   ========================================================================== */
.blog-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.blog-card{
  background:#fff; border:1px solid var(--line); border-radius:var(--radius-md); overflow:hidden;
  transition: all .25s ease; display:flex; flex-direction:column;
}
.blog-card:hover{ transform:translateY(-6px); box-shadow:var(--shadow-lg); }
.blog-card-img{ aspect-ratio:16/10; overflow:hidden; }
.blog-card-img img{ width:100%; height:100%; object-fit:cover; transition:transform .4s ease; }
.blog-card:hover .blog-card-img img{ transform:scale(1.06); }
.blog-card-body{ padding:24px; display:flex; flex-direction:column; flex:1; }
.blog-tag{ display:inline-block; font-size:0.72rem; font-weight:700; letter-spacing:.04em; text-transform:uppercase; color:var(--red-600); margin-bottom:10px; }
.blog-card h3{ font-size:1.08rem; margin-bottom:10px; }
.blog-card p{ font-size:0.9rem; color:var(--ink-600); margin-bottom:16px; }
.blog-meta{ margin-top:auto; display:flex; justify-content:space-between; align-items:center; font-size:0.78rem; color:var(--ink-500); padding-top:14px; border-top:1px solid var(--line); }
.blog-meta a{ color:var(--red-600); font-weight:600; }
@media (max-width:980px){ .blog-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:640px){ .blog-grid{ grid-template-columns:1fr; } }

/* ==========================================================================
   Related services strip
   ========================================================================== */
.related-strip{ display:flex; gap:14px; flex-wrap:wrap; }
.related-pill{
  padding:10px 20px; border-radius:999px; border:1px solid var(--line); background:#fff;
  font-size:0.86rem; font-weight:600; color:var(--ink-800); transition: all .2s ease;
}
.related-pill:hover{ background:var(--red-50); border-color:var(--red-200); color:var(--red-600); }

/* utility */
.text-center{ text-align:center; }
.mt-0{ margin-top:0; }