/* ==========================================================================
   HAILP LOAN SERVICES - MODERN FINTECH DESIGN SYSTEM
   ========================================================================== */

:root {
  /* Brand Colors */
  --primary-teal: #0b4f5c;
  --primary-teal-dark: #07353e;
  --primary-teal-light: #106f81;
  --accent-cyan: #0eb8c8;
  --accent-cyan-soft: rgba(14, 184, 200, 0.12);
  --brand-gold: #c18a3e;
  --brand-gold-hover: #a8742d;
  --brand-gold-light: #f7e6cf;
  --brand-gold-glow: rgba(193, 138, 62, 0.25);

  /* Neutrals & Dark Tones */
  --dark-navy: #061a22;
  --dark-surface: #0b2530;
  --text-dark: #1a2e35;
  --text-muted: #5a737e;
  --text-light: #8faab6;
  --bg-light: #f6fafb;
  --bg-card: #ffffff;
  --bg-subtle: #edf4f7;
  --border-color: #e2ecf0;
  --border-focus: #0eb8c8;

  /* Elevation Shadows */
  --shadow-sm: 0 2px 8px rgba(11, 79, 92, 0.06);
  --shadow-md: 0 10px 25px rgba(11, 79, 92, 0.08);
  --shadow-lg: 0 20px 45px rgba(6, 26, 34, 0.12);
  --shadow-gold: 0 10px 25px rgba(193, 138, 62, 0.25);
  --shadow-teal: 0 10px 25px rgba(11, 79, 92, 0.25);

  /* Typography */
  --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Outfit', 'Plus Jakarta Sans', sans-serif;

  /* Transitions */
  --transition: all 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;
  --radius-pill: 50px;
}

/* Base Styles */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: var(--font-main);
  background-color: var(--bg-light);
  color: var(--text-dark);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--primary-teal);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--brand-gold);
}

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

ul {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--dark-navy);
  font-weight: 700;
  line-height: 1.25;
}

p {
  margin-bottom: 1rem;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

.section-py {
  padding-top: 90px;
  padding-bottom: 90px;
}

.section-pt {
  padding-top: 90px;
}

.section-pb {
  padding-bottom: 90px;
}

.bg-white { background-color: #ffffff; }
.bg-light-subtle { background-color: var(--bg-subtle); }
.bg-dark-navy { background-color: var(--dark-navy); color: #ffffff; }
.bg-teal-gradient {
  background: linear-gradient(135deg, var(--dark-navy) 0%, var(--primary-teal) 100%);
  color: #ffffff;
}

/* Section Header */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 50px auto;
}

.section-header.text-left {
  text-align: left;
  margin-left: 0;
}

.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  background: var(--accent-cyan-soft);
  color: var(--primary-teal);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  border-radius: var(--radius-pill);
  margin-bottom: 15px;
  border: 1px solid rgba(14, 184, 200, 0.2);
}

.section-badge i {
  color: var(--brand-gold);
}

.section-title {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--dark-navy);
  margin-bottom: 15px;
}

.section-title span {
  background: linear-gradient(135deg, var(--primary-teal) 0%, var(--brand-gold) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 28px;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary-teal) 0%, var(--primary-teal-light) 100%);
  color: #ffffff;
  box-shadow: var(--shadow-teal);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-teal-light) 0%, var(--primary-teal) 100%);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(11, 79, 92, 0.35);
}

.btn-gold {
  background: linear-gradient(135deg, var(--brand-gold) 0%, #d89f4b 100%);
  color: #ffffff;
  box-shadow: var(--shadow-gold);
}

.btn-gold:hover {
  background: linear-gradient(135deg, var(--brand-gold-hover) 0%, var(--brand-gold) 100%);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(193, 138, 62, 0.4);
}

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

.btn-outline-teal:hover {
  background: var(--primary-teal);
  color: #ffffff;
  transform: translateY(-2px);
}

.btn-outline-white {
  background: transparent;
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover {
  background: #ffffff;
  color: var(--primary-teal);
  border-color: #ffffff;
  transform: translateY(-2px);
}

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

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

.btn-icon {
  width: 44px;
  height: 44px;
  padding: 0;
  border-radius: 50%;
}

/* ==========================================================================
   TOPBAR & HEADER
   ========================================================================== */

.topbar {
  background-color: var(--dark-navy);
  color: var(--text-light);
  font-size: 0.85rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.topbar-wrapper {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 15px;
}

.topbar-left, .topbar-right {
  display: flex;
  align-items: center;
  gap: 20px;
}

.topbar-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text-light);
}

.topbar-item i {
  color: var(--brand-gold);
}

.topbar-item a {
  color: var(--text-light);
}

.topbar-item a:hover {
  color: #ffffff;
}

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

.topbar-social a {
  width: 26px;
  height: 26px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 50%;
  color: #ffffff;
  font-size: 0.75rem;
  transition: var(--transition);
}

.topbar-social a:hover {
  background: var(--brand-gold);
  color: #ffffff;
  transform: translateY(-2px);
}

/* Main Navbar */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
  transition: var(--transition);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}

.site-logo {
  display: flex;
  align-items: center;
}

.site-logo img {
  height: 52px;
  width: auto;
  object-fit: contain;
  transition: var(--transition);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 30px;
}

.nav-item {
  position: relative;
}

.nav-link {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--dark-navy);
  padding: 8px 0;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

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

.nav-link i.fa-chevron-down {
  font-size: 0.7rem;
  transition: transform 0.25s ease;
}

.nav-item:hover .nav-link i.fa-chevron-down {
  transform: rotate(180deg);
}

/* Dropdown Menu */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 280px;
  background: #ffffff;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 12px;
  border: 1px solid var(--border-color);
  opacity: 0;
  visibility: hidden;
  transform: translateY(15px);
  transition: var(--transition);
  z-index: 100;
}

.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  color: var(--text-dark);
  font-size: 0.9rem;
  font-weight: 500;
  transition: var(--transition);
}

.dropdown-item i {
  width: 30px;
  height: 30px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-subtle);
  border-radius: var(--radius-sm);
  color: var(--primary-teal);
  font-size: 0.85rem;
  transition: var(--transition);
}

.dropdown-item:hover {
  background: var(--accent-cyan-soft);
  color: var(--primary-teal);
  padding-left: 18px;
}

.dropdown-item:hover i {
  background: var(--primary-teal);
  color: #ffffff;
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header-phone-box {
  display: flex;
  align-items: center;
  gap: 10px;
}

.header-phone-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent-cyan-soft);
  color: var(--primary-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
}

.header-phone-text span {
  display: block;
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 600;
}

.header-phone-text a {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--dark-navy);
}

.header-phone-text a:hover {
  color: var(--brand-gold);
}

/* Mobile Nav Toggle */
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.4rem;
  color: var(--dark-navy);
  cursor: pointer;
  padding: 6px;
}

/* Mobile Drawer */
.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(6, 26, 34, 0.6);
  backdrop-filter: blur(4px);
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  height: 100%;
  background: #ffffff;
  z-index: 2001;
  box-shadow: -5px 0 25px rgba(0,0,0,0.15);
  display: flex;
  flex-direction: column;
  transition: var(--transition);
  overflow-y: auto;
}

.mobile-drawer.active {
  right: 0;
}

.mobile-drawer-overlay.active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px;
  border-bottom: 1px solid var(--border-color);
}

.mobile-drawer-close {
  background: none;
  border: none;
  font-size: 1.2rem;
  color: var(--text-muted);
  cursor: pointer;
}

.mobile-drawer-body {
  padding: 20px;
  flex-grow: 1;
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.mobile-nav-link {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  color: var(--dark-navy);
  padding: 10px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid var(--bg-subtle);
}

.mobile-submenu {
  display: none;
  padding-left: 15px;
  margin-top: 8px;
  flex-direction: column;
  gap: 8px;
}

.mobile-submenu.active {
  display: flex;
}

.mobile-submenu a {
  font-size: 0.9rem;
  color: var(--text-muted);
  padding: 6px 0;
}

.mobile-drawer-footer {
  padding: 20px;
  background: var(--bg-light);
  border-top: 1px solid var(--border-color);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */

.hero-section {
  position: relative;
  background: linear-gradient(145deg, #071f28 0%, #0b3d47 45%, #061820 100%);
  color: #ffffff;
  padding: 90px 0 110px 0;
  overflow: hidden;
}

.hero-shape-bg {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(circle at 80% 20%, rgba(14, 184, 200, 0.15) 0%, transparent 50%),
              radial-gradient(circle at 10% 80%, rgba(193, 138, 62, 0.12) 0%, transparent 40%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 50px;
  align-items: center;
  position: relative;
  z-index: 10;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent-cyan);
  margin-bottom: 24px;
}

.hero-tag i {
  color: var(--brand-gold);
}

.hero-title {
  font-size: 3.4rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero-title .text-gold {
  color: var(--brand-gold);
  background: linear-gradient(135deg, #e5a952 0%, #c18a3e 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-description {
  font-size: 1.15rem;
  color: #c2dbe4;
  line-height: 1.7;
  margin-bottom: 35px;
  max-width: 600px;
}

.hero-buttons {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 40px;
}

.hero-stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 30px;
}

.hero-stat-item h4 {
  font-size: 1.8rem;
  color: #ffffff;
  margin-bottom: 4px;
}

.hero-stat-item h4 span {
  color: var(--brand-gold);
}

.hero-stat-item p {
  font-size: 0.85rem;
  color: var(--text-light);
  margin: 0;
}

/* Hero Quick Apply Box */
.hero-card-box {
  background: rgba(255, 255, 255, 0.98);
  border-radius: var(--radius-lg);
  padding: 35px;
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.3);
  color: var(--text-dark);
  border: 1px solid rgba(255, 255, 255, 0.2);
  position: relative;
}

.hero-card-header {
  text-align: center;
  margin-bottom: 25px;
}

.hero-card-header h3 {
  font-size: 1.5rem;
  color: var(--dark-navy);
  margin-bottom: 6px;
}

.hero-card-header p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin: 0;
}

/* Feature Quick Strip */
.features-strip {
  margin-top: -45px;
  position: relative;
  z-index: 20;
}

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

.feature-strip-card {
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 24px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 16px;
  transition: var(--transition);
  border: 1px solid var(--border-color);
}

.feature-strip-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent-cyan);
}

.feature-strip-icon {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  background: var(--accent-cyan-soft);
  color: var(--primary-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}

.feature-strip-card:hover .feature-strip-icon {
  background: var(--primary-teal);
  color: #ffffff;
}

.feature-strip-info h4 {
  font-size: 1rem;
  color: var(--dark-navy);
  margin-bottom: 4px;
}

.feature-strip-info p {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin: 0;
}

/* ==========================================================================
   LOAN SERVICES CARDS & GRID
   ========================================================================== */

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
  gap: 30px;
}

.service-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 35px 30px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: linear-gradient(to bottom, var(--primary-teal), var(--brand-gold));
  opacity: 0;
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(14, 184, 200, 0.4);
}

.service-card:hover::before {
  opacity: 1;
}

.service-card-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 22px;
}

.service-icon-box {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--bg-subtle) 0%, rgba(14, 184, 200, 0.15) 100%);
  color: var(--primary-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  transition: var(--transition);
}

.service-card:hover .service-icon-box {
  background: linear-gradient(135deg, var(--primary-teal) 0%, var(--primary-teal-light) 100%);
  color: #ffffff;
  transform: rotate(6deg) scale(1.05);
}

.service-badge-rate {
  background: var(--brand-gold-light);
  color: var(--brand-gold-hover);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-pill);
}

.service-card-title {
  font-size: 1.35rem;
  margin-bottom: 12px;
}

.service-card-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.service-features-list {
  margin-bottom: 25px;
  padding-top: 15px;
  border-top: 1px dashed var(--border-color);
}

.service-features-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.service-features-list li i {
  color: #10b981;
  font-size: 0.8rem;
}

.service-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 18px;
  border-top: 1px solid var(--border-color);
}

.service-limit-info span {
  display: block;
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
}

.service-limit-info strong {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--dark-navy);
}

/* ==========================================================================
   IMAGE SHOWCASE & MEDIA CARDS
   ========================================================================== */

.img-showcase-box {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(6, 26, 34, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.img-showcase-box img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.img-showcase-box:hover img {
  transform: scale(1.03);
}

.img-overlay-badge {
  position: absolute;
  bottom: 20px;
  left: 20px;
  background: rgba(6, 26, 34, 0.88);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  color: #ffffff;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.25);
  z-index: 5;
}

.img-overlay-badge i {
  font-size: 1.4rem;
  color: var(--brand-gold);
}

.img-overlay-badge h5 {
  font-size: 0.95rem;
  font-weight: 700;
  margin: 0 0 2px 0;
  color: #ffffff;
}

.img-overlay-badge p {
  font-size: 0.78rem;
  color: #c2dbe4;
  margin: 0;
}

.img-top-pill {
  position: absolute;
  top: 18px;
  right: 18px;
  background: rgba(11, 79, 92, 0.9);
  backdrop-filter: blur(8px);
  color: #ffffff;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.25);
  z-index: 5;
}

/* ==========================================================================
   INTERACTIVE EMI CALCULATOR
   ========================================================================== */

.calculator-wrapper {
  background: #ffffff;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-color);
  padding: 45px;
  position: relative;
  overflow: hidden;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.95fr;
  gap: 50px;
  align-items: center;
}

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

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

.calc-label {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  color: var(--dark-navy);
}

.calc-input-box {
  display: flex;
  align-items: center;
  background: var(--bg-subtle);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding: 6px 14px;
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--primary-teal);
  font-size: 1.1rem;
}

.calc-input-box input {
  border: none;
  background: transparent;
  text-align: right;
  font-family: inherit;
  font-size: inherit;
  font-weight: inherit;
  color: inherit;
  width: 110px;
  outline: none;
}

/* Custom Range Slider */
.calc-range {
  width: 100%;
  height: 8px;
  border-radius: 5px;
  background: #dbeef4;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
  margin-bottom: 8px;
}

.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--brand-gold);
  cursor: pointer;
  box-shadow: 0 0 10px rgba(193, 138, 62, 0.5);
  border: 3px solid #ffffff;
  transition: transform 0.15s ease;
}

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

.calc-min-max {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Calculator Result Card */
.calc-result-box {
  background: linear-gradient(145deg, var(--dark-navy) 0%, var(--primary-teal) 100%);
  border-radius: var(--radius-lg);
  padding: 35px;
  color: #ffffff;
  text-align: center;
  box-shadow: var(--shadow-teal);
}

.calc-emi-display {
  margin-bottom: 25px;
  padding-bottom: 25px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.calc-emi-display span {
  font-size: 0.9rem;
  color: #c1e2eb;
  text-transform: uppercase;
  letter-spacing: 1px;
  display: block;
  margin-bottom: 6px;
}

.calc-emi-display h2 {
  font-size: 2.8rem;
  color: #ffffff;
  font-weight: 800;
}

.calc-emi-display h2 .symbol {
  color: var(--brand-gold);
}

.calc-breakdown-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 15px;
  margin-bottom: 25px;
}

.calc-breakdown-item {
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-sm);
  padding: 14px;
  text-align: left;
}

.calc-breakdown-item span {
  font-size: 0.75rem;
  color: var(--text-light);
  display: block;
}

.calc-breakdown-item strong {
  font-size: 1.15rem;
  color: #ffffff;
  font-family: var(--font-heading);
}

.calc-ratio-bar {
  height: 10px;
  border-radius: 5px;
  background: #ffffff;
  display: flex;
  overflow: hidden;
  margin-bottom: 25px;
}

.calc-ratio-principal {
  background: var(--brand-gold);
  height: 100%;
}

.calc-ratio-interest {
  background: var(--accent-cyan);
  height: 100%;
}

.calc-ratio-legend {
  display: flex;
  justify-content: center;
  gap: 20px;
  font-size: 0.8rem;
  color: var(--text-light);
  margin-bottom: 25px;
}

.calc-legend-dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  margin-right: 5px;
}

/* ==========================================================================
   ABOUT / TRUST & STATS
   ========================================================================== */

.trust-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.trust-image-wrapper {
  position: relative;
}

.trust-main-card {
  background: linear-gradient(135deg, var(--dark-navy) 0%, var(--primary-teal) 100%);
  border-radius: var(--radius-xl);
  padding: 40px;
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.trust-badge-float {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 20px 25px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 15px;
  border: 1px solid var(--border-color);
  color: var(--text-dark);
}

.trust-badge-float .icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--brand-gold-light);
  color: var(--brand-gold-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
}

.stats-counter-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 25px;
  text-align: center;
}

.stat-counter-card {
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 30px 20px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.stat-counter-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent-cyan);
}

.stat-counter-icon {
  font-size: 2rem;
  color: var(--brand-gold);
  margin-bottom: 12px;
}

.stat-counter-card h3 {
  font-size: 2.2rem;
  color: var(--dark-navy);
  margin-bottom: 4px;
}

.stat-counter-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin: 0;
}

/* ==========================================================================
   PARTNER BANKS & NBFCs
   ========================================================================== */

.partners-section {
  position: relative;
}

.partners-grid-v2 {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 16px;
  margin-top: 30px;
}

.partner-card-v2 {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.03);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  position: relative;
  overflow: hidden;
}

.partner-card-v2::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 3px;
  height: 100%;
  background: var(--bank-accent, var(--primary-teal));
  opacity: 0.7;
  transition: width 0.2s ease, opacity 0.2s ease;
}

.partner-card-v2:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
  border-color: rgba(193, 138, 62, 0.4);
}

.partner-card-v2:hover::after {
  width: 5px;
  opacity: 1;
}

.partner-card-logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.partner-card-logo svg {
  display: block;
  border-radius: 8px;
}

.partner-card-info {
  flex: 1;
  min-width: 0;
}

.partner-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 6px;
  margin-bottom: 2px;
}

.partner-card-name {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--dark-navy);
  margin: 0;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.partner-type-tag {
  font-size: 0.65rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 2px 6px;
  border-radius: 4px;
  flex-shrink: 0;
}

.partner-type-tag.bank {
  background: rgba(11, 79, 92, 0.1);
  color: var(--primary-teal);
  border: 1px solid rgba(11, 79, 92, 0.2);
}

.partner-type-tag.nbfc {
  background: rgba(193, 138, 62, 0.12);
  color: #925f18;
  border: 1px solid rgba(193, 138, 62, 0.25);
}

.partner-card-tag {
  font-size: 0.75rem;
  color: var(--text-muted);
  display: block;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.partner-trust-strip {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 35px;
  flex-wrap: wrap;
  margin-top: 35px;
  padding-top: 25px;
  border-top: 1px dashed var(--border-color);
}

.partner-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--dark-navy);
}

.partner-trust-item i {
  color: var(--brand-gold);
  font-size: 1rem;
}

/* ==========================================================================
   TESTIMONIALS & REVIEWS
   ========================================================================== */

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 30px;
}

.testimonial-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 35px 30px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-color);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.testimonial-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent-cyan);
}

.testimonial-stars {
  color: #f59e0b;
  font-size: 0.9rem;
  margin-bottom: 15px;
}

.testimonial-text {
  font-size: 0.95rem;
  color: var(--text-dark);
  font-style: italic;
  line-height: 1.7;
  margin-bottom: 22px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 18px;
  border-top: 1px solid var(--bg-subtle);
}

.testimonial-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary-teal) 0%, var(--brand-gold) 100%);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
}

.testimonial-info h4 {
  font-size: 1rem;
  color: var(--dark-navy);
  margin-bottom: 2px;
}

.testimonial-info span {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  background: #ffffff;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--primary-teal);
  box-shadow: var(--shadow-sm);
}

.faq-header {
  padding: 20px 25px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  background: #ffffff;
  user-select: none;
}

.faq-header h3 {
  font-size: 1.05rem;
  color: var(--dark-navy);
  font-weight: 600;
  margin: 0;
}

.faq-toggle-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg-subtle);
  color: var(--primary-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  transition: transform 0.25s ease;
}

.faq-item.active .faq-toggle-icon {
  background: var(--primary-teal);
  color: #ffffff;
  transform: rotate(180deg);
}

.faq-body {
  padding: 0 25px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}

.faq-item.active .faq-body {
  padding: 0 25px 22px 25px;
  max-height: 500px;
}

.faq-body p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin: 0;
}

/* ==========================================================================
   CTA SECTION (Compact & Minimal Height)
   ========================================================================== */

.cta-section-wrap {
  padding: 10px 0;
  margin-top: 20px;
  margin-bottom: 50px;
  position: relative;
  z-index: 10;
}

.cta-banner {
  background: linear-gradient(135deg, var(--dark-navy) 0%, var(--primary-teal-dark) 55%, var(--primary-teal) 100%);
  border-radius: var(--radius-lg);
  padding: 24px 36px;
  color: #ffffff;
  position: relative;
  overflow: hidden;
  box-shadow: 0 12px 32px rgba(6, 26, 34, 0.18);
  border: 1px solid rgba(193, 138, 62, 0.3);
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(14, 184, 200, 0.12) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.cta-grid {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 25px;
  flex-wrap: wrap;
  position: relative;
  z-index: 5;
}

.compact-cta-content {
  flex: 1;
  min-width: 280px;
}

.cta-heading-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 4px;
  flex-wrap: wrap;
}

.cta-mini-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(14, 184, 200, 0.18);
  color: var(--accent-cyan);
  border: 1px solid rgba(14, 184, 200, 0.35);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 3px 10px;
  border-radius: 20px;
}

.cta-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0;
  line-height: 1.25;
}

.cta-desc {
  font-size: 0.9rem;
  color: #c2dbe4;
  margin: 0;
  line-height: 1.4;
  max-width: 650px;
}

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

.btn-compact {
  padding: 9px 20px;
  font-size: 0.88rem;
  font-weight: 700;
  border-radius: var(--radius-sm);
  white-space: nowrap;
}

/* ==========================================================================
   FORMS & INPUTS
   ========================================================================== */

.form-group {
  margin-bottom: 20px;
}

.form-label {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--dark-navy);
  margin-bottom: 8px;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-main);
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-color);
  background: #ffffff;
  color: var(--text-dark);
  outline: none;
  transition: var(--transition);
}

.form-control:focus {
  border-color: var(--primary-teal);
  box-shadow: 0 0 0 3px rgba(11, 79, 92, 0.12);
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.form-select {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-main);
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-color);
  background: #ffffff;
  color: var(--text-dark);
  outline: none;
  cursor: pointer;
}

.form-select:focus {
  border-color: var(--primary-teal);
  box-shadow: 0 0 0 3px rgba(11, 79, 92, 0.12);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

/* Multi-Step Stepper */
.stepper-header {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-bottom: 35px;
}

.stepper-header::before {
  content: '';
  position: absolute;
  top: 18px;
  left: 30px;
  right: 30px;
  height: 2px;
  background: var(--border-color);
  z-index: 1;
}

.step-node {
  position: relative;
  z-index: 2;
  text-align: center;
}

.step-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #ffffff;
  border: 2px solid var(--border-color);
  color: var(--text-muted);
  font-family: var(--font-heading);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 8px auto;
  transition: var(--transition);
}

.step-node.active .step-circle {
  background: var(--primary-teal);
  border-color: var(--primary-teal);
  color: #ffffff;
  box-shadow: var(--shadow-teal);
}

.step-node.completed .step-circle {
  background: #10b981;
  border-color: #10b981;
  color: #ffffff;
}

.step-title {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-muted);
}

.step-node.active .step-title {
  color: var(--primary-teal);
  font-weight: 700;
}

.step-content {
  display: none;
}

.step-content.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   INNER PAGE BREADCRUMB & HEADER
   ========================================================================== */

.page-banner {
  background: linear-gradient(135deg, var(--dark-navy) 0%, var(--primary-teal) 100%);
  padding: 60px 0;
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.page-banner-content {
  position: relative;
  z-index: 10;
}

.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  color: var(--text-light);
  margin-bottom: 12px;
}

.breadcrumbs a {
  color: #ffffff;
}

.breadcrumbs a:hover {
  color: var(--brand-gold);
}

.breadcrumbs span {
  color: var(--brand-gold);
}

.page-banner-title {
  font-size: 2.6rem;
  color: #ffffff;
  font-weight: 800;
}

/* Service Detail Layout */
.service-details-grid {
  display: grid;
  grid-template-columns: 0.35fr 0.65fr;
  gap: 40px;
  align-items: flex-start;
}

.service-sidebar {
  position: sticky;
  top: 90px;
}

.sidebar-widget {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 30px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  margin-bottom: 30px;
}

.sidebar-title {
  font-size: 1.2rem;
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--bg-subtle);
  position: relative;
}

.sidebar-title::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 40px;
  height: 2px;
  background: var(--brand-gold);
}

.sidebar-nav-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.sidebar-nav-link {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  background: var(--bg-light);
  color: var(--dark-navy);
  font-weight: 600;
  font-size: 0.92rem;
  transition: var(--transition);
}

.sidebar-nav-link:hover, .sidebar-nav-link.active {
  background: var(--primary-teal);
  color: #ffffff;
  padding-left: 20px;
}

.sidebar-cta-box {
  background: linear-gradient(135deg, var(--dark-navy) 0%, var(--primary-teal) 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 30px;
  text-align: center;
}

.sidebar-cta-box .icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--brand-gold);
  margin: 0 auto 16px auto;
}

/* ==========================================================================
   FOOTER
   ========================================================================== */

.site-footer {
  background: var(--dark-navy);
  color: var(--text-light);
  padding-top: 80px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.9fr 0.9fr 1.1fr;
  gap: 40px;
  margin-bottom: 60px;
}

.footer-logo {
  margin-bottom: 20px;
}

.footer-logo img {
  height: 48px;
  width: auto;
  filter: brightness(1.2);
}

.footer-about-text {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--text-light);
  margin-bottom: 25px;
}

.footer-title {
  font-size: 1.15rem;
  color: #ffffff;
  margin-bottom: 22px;
  position: relative;
  padding-bottom: 10px;
}

.footer-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 35px;
  height: 2px;
  background: var(--brand-gold);
}

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

.footer-links-list a {
  color: var(--text-light);
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}

.footer-links-list a:hover {
  color: var(--brand-gold);
  padding-left: 5px;
}

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

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9rem;
  color: var(--text-light);
}

.footer-contact-item i {
  color: var(--brand-gold);
  font-size: 1.1rem;
  margin-top: 3px;
  flex-shrink: 0;
}

.footer-contact-item a {
  color: var(--text-light);
}

.footer-contact-item a:hover {
  color: #ffffff;
}

.bottom-footer {
  background: #041217;
  padding: 22px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.bottom-footer-wrapper {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 15px;
  font-size: 0.85rem;
  color: var(--text-light);
}

.bottom-footer-links {
  display: flex;
  gap: 20px;
}

.bottom-footer-links a {
  color: var(--text-light);
}

.bottom-footer-links a:hover {
  color: var(--brand-gold);
}

/* Floating WhatsApp & Call Buttons */
.floating-actions {
  position: fixed;
  bottom: 25px;
  right: 25px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 999;
}

.float-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 1.4rem;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.25);
  transition: var(--transition);
}

.float-btn.whatsapp {
  background: #25d366;
}

.float-btn.whatsapp:hover {
  transform: scale(1.1) rotate(10deg);
  box-shadow: 0 10px 30px rgba(37, 211, 102, 0.5);
}

.float-btn.call {
  background: var(--primary-teal);
}

.float-btn.call:hover {
  transform: scale(1.1);
  box-shadow: var(--shadow-teal);
}

.scroll-top-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--dark-navy);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  border: 1px solid rgba(255, 255, 255, 0.15);
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.scroll-top-btn.active {
  opacity: 1;
  visibility: visible;
}

/* Mobile Quick Action Bar (Bottom Fixed) */
.mobile-bottom-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #ffffff;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.1);
  padding: 10px 15px;
  z-index: 1000;
  grid-template-columns: 1fr 1fr 1.2fr;
  gap: 10px;
}

/* Toast Notifications */
.toast-container {
  position: fixed;
  top: 25px;
  right: 25px;
  z-index: 9999;
}

.toast {
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  border-left: 4px solid var(--primary-teal);
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
  animation: slideInRight 0.3s ease;
}

.toast.success { border-left-color: #10b981; }
.toast.error { border-left-color: #ef4444; }

@keyframes slideInRight {
  from { transform: translateX(100%); opacity: 0; }
  to { transform: translateX(0); opacity: 1; }
}

/* ==========================================================================
   RESPONSIVE BREAKPOINTS
   ========================================================================== */

@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .features-strip-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .calc-grid {
    grid-template-columns: 1fr;
    gap: 35px;
  }
  .trust-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .service-details-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .topbar {
    display: none;
  }
  .nav-menu, .header-phone-box {
    display: none;
  }
  .mobile-toggle {
    display: block;
  }
  .hero-title {
    font-size: 2.3rem;
  }
  .section-title {
    font-size: 2rem;
  }
  .features-strip-grid {
    grid-template-columns: 1fr;
  }
  .stats-counter-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .form-row {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .cta-banner {
    padding: 20px 18px;
  }
  .compact-cta-actions {
    width: 100%;
    justify-content: stretch;
  }
  .compact-cta-actions .btn {
    flex: 1;
    text-align: center;
    justify-content: center;
  }
  .partners-grid-v2 {
    grid-template-columns: 1fr;
  }
  .mobile-bottom-bar {
    display: grid;
  }
  body {
    padding-bottom: 65px;
  }
}