/* --- CSS VARIABLES --- */
        :root {
            --primary-dark: #0b1e3b;  /* Deep Navy */
            --primary-blue: #1a4f8a;  /* Brand Blue */
            --accent-gold: #c5a059;   /* Luxury Gold */
            --text-dark: #333333;
            --text-gray: #666666;
            --light-bg: #f8f9fa;
            --white: #ffffff;
            --emerald: #21c48c;
        }

        /* --- GLOBAL SETTINGS --- */
        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
            font-family: 'Poppins', sans-serif; /* Modern Font */
            scroll-behavior: smooth;
        }

        body {
            line-height: 1.6;
            color: var(--text-dark);
            overflow-x: hidden;
        }

        a { text-decoration: none; color: inherit; }
        ul { list-style: none; }

        /* --- UTILITY CLASSES --- */
        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
        }

        .section-padding { padding: 80px 0; }

        .fade-in {
            opacity: 1; /* Changed to visible by default to prevent blank pages if JS fails */
            transform: none;
            transition: all 0.8s ease-out;
        }

        /* Only if JS loads correctly, we might want to hide them initially,
           but for robustness we keep it visible.
           To support animation, we rely on JS adding a 'hidden' class or similar,
           or we can invert the logic: .fade-in starts visible. */

        .fade-in.animate-ready {
            opacity: 0;
            transform: translateY(30px);
        }

        .fade-in.visible {
            opacity: 1;
            transform: translateY(0);
        }

        @keyframes pulseGlow {
            0% { box-shadow: 0 0 0 0 rgba(197,160,89,0.4); }
            70% { box-shadow: 0 0 0 14px rgba(197,160,89,0); }
            100% { box-shadow: 0 0 0 0 rgba(197,160,89,0); }
        }

        /* --- HEADER --- */
        header {
            background: var(--white);
            position: fixed;
            width: 100%;
            top: 0;
            z-index: 1000;
            height: 80px;
            transition: 0.4s ease;
        }

        header.scrolled {
            box-shadow: 0 2px 15px rgba(0,0,0,0.08);
        }

        .navbar {
            display: flex;
            justify-content: space-between;
            align-items: center;
            height: 100%;
        }

        .brand-logo {
            display: flex;
            align-items: center;
            height: 100%;
            z-index: 1001;
        }

        .brand-logo img {
            height: 50px; /* Adjust based on logo needs */
            width: auto;
            max-width: 200px;
            object-fit: contain;
        }

        .nav-links {
            display: flex;
            align-items: center;
        }

        .nav-list {
            display: flex;
            gap: 30px;
            align-items: center;
            list-style: none;
        }

        .mobile-nav-header, .mobile-nav-footer {
            display: none;
        }

        .nav-list a {
            font-weight: 600;
            font-size: 15px;
            color: var(--primary-dark);
            text-transform: uppercase;
            position: relative;
            transition: color 0.3s;
        }

        .nav-list a:hover { color: var(--primary-blue); }

        .cta-btn {
            background: var(--primary-blue);
            color: var(--white) !important;
            padding: 10px 25px;
            border-radius: 50px;
            font-weight: 600;
            box-shadow: 0 4px 15px rgba(26, 79, 138, 0.3);
            transition: transform 0.3s;
        }

        .cta-btn:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
        }

        /* Hamburger */
        .hamburger { display: none; cursor: pointer; z-index: 1001; }
        .bar { display: block; width: 25px; height: 3px; margin: 5px auto; background-color: var(--primary-dark); transition: 0.3s; }

        /* --- HERO --- */
        #home {
            min-height: 80vh; /* Reduced from 100vh to make it more compact */
            background: linear-gradient(135deg, rgba(11, 30, 59, 0.85), rgba(26, 79, 138, 0.9)), url('https://images.unsplash.com/photo-1460925895917-afdab827c52f?auto=format&fit=crop&w=1920&q=80');
            background-size: cover;
            background-position: center;
            background-attachment: fixed;
            display: flex;
            align-items: center;
            justify-content: center;
            text-align: center;
            color: var(--white);
            padding-top: 100px;
            padding-bottom: 60px;
        }

        .hero-content { max-width: 900px; }

        .parent-badge {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            background: rgba(255,255,255,0.12);
            border: 1px solid rgba(255,255,255,0.35);
            color: var(--white);
            padding: 10px 22px;
            border-radius: 30px;
            font-size: 0.9rem;
            font-weight: 600;
            margin-bottom: 20px;
            text-transform: uppercase;
            letter-spacing: 1px;
        }

        .badge-dot {
            width: 10px;
            height: 10px;
            background: var(--emerald);
            border-radius: 50%;
            box-shadow: 0 0 0 6px rgba(33,196,140,0.2);
        }

        .hero-content h1 {
            font-size: 3rem; /* Reduced font size */
            line-height: 1.2;
            margin-bottom: 18px;
            font-weight: 700;
        }

        .hero-content p {
            font-size: 1.1rem;
            margin-bottom: 24px;
            opacity: 0.95;
            max-width: 800px;
            margin-left: auto;
            margin-right: auto;
        }

        .btn-hero {
            padding: 14px 35px;
            border-radius: 50px;
            font-size: 1rem;
            font-weight: bold;
            text-transform: uppercase;
            margin: 10px;
            display: inline-block;
            transition: 0.3s;
        }

        .btn-gold { background: var(--accent-gold); color: var(--primary-dark); border: none; box-shadow: 0 12px 35px rgba(197,160,89,0.25); }
        .btn-gold:hover { background: #e0b769; transform: scale(1.05); }

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

        .btn-light {
            background: rgba(255,255,255,0.12);
            color: var(--white);
            border: 1px solid rgba(255,255,255,0.5);
        }

        .hero-highlights {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
            gap: 12px;
            margin: 18px 0 8px;
        }

        .hero-highlight {
            background: rgba(255,255,255,0.08);
            border: 1px solid rgba(255,255,255,0.18);
            border-radius: 14px;
            padding: 12px 14px;
            font-weight: 600;
            text-align: left;
            display: flex;
            align-items: center;
            gap: 10px;
        }

        .hero-highlight i { color: var(--accent-gold); }

        .hero-cta-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
            gap: 16px;
            margin-top: 22px;
        }

        .cta-card {
            display: grid;
            grid-template-columns: auto 1fr;
            gap: 12px;
            align-items: center;
            background: rgba(255,255,255,0.08);
            border: 1px solid rgba(255,255,255,0.2);
            border-radius: 14px;
            padding: 12px 14px;
            text-align: left;
        }

        .cta-card h4 { color: var(--white); margin-bottom: 4px; }
        .cta-card p { color: rgba(255,255,255,0.9); font-size: 0.95rem; }

        .cta-icon {
            width: 46px;
            height: 46px;
            border-radius: 12px;
            display: grid;
            place-items: center;
            background: rgba(0,0,0,0.15);
            color: var(--accent-gold);
            font-size: 1.2rem;
        }

        .pill-button {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 10px 14px;
            border-radius: 50px;
            border: none;
            background: var(--accent-gold);
            color: var(--primary-dark);
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            cursor: pointer;
            transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
            box-shadow: 0 10px 25px rgba(197,160,89,0.3);
        }

        .pill-button:hover { transform: translateY(-2px); background: #e0b769; }
        .pill-button.outline { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.45); box-shadow: none; }
        .pill-button.ghost { background: rgba(255,255,255,0.1); color: var(--white); box-shadow: none; }

        .side-form-body .pill-button.outline { color: var(--primary-blue); border-color: var(--primary-blue); }

        /* --- MARQUEE --- */
        .marquee-strip {
            background: #0d2345;
            color: var(--white);
            padding: 12px 0;
            overflow: hidden;
            border-bottom: 1px solid rgba(255,255,255,0.15);
        }

        .marquee-inner {
            display: flex;
            gap: 50px;
            animation: marquee 18s linear infinite;
            white-space: nowrap;
            font-weight: 600;
            letter-spacing: 0.5px;
        }

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

        /* --- LOAN ACTIONS --- */
        .actions-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
            gap: 20px;
            margin-top: 30px;
        }

        .action-card {
            background: var(--white);
            border-radius: 14px;
            padding: 18px 18px 22px;
            box-shadow: 0 15px 35px rgba(0,0,0,0.06);
            display: grid;
            grid-template-columns: auto 1fr;
            gap: 14px;
            align-items: center;
            border: 1px solid rgba(11,30,59,0.06);
            transition: transform 0.3s ease, box-shadow 0.3s ease;
        }

        .action-card:hover {
            transform: translateY(-6px);
            box-shadow: 0 18px 42px rgba(0,0,0,0.08);
        }

        .action-icon {
            width: 50px;
            height: 50px;
            border-radius: 12px;
            background: rgba(26,79,138,0.12);
            display: grid;
            place-items: center;
            color: var(--primary-blue);
            font-size: 1.3rem;
        }

        .action-card h4 { color: var(--primary-dark); margin-bottom: 4px; }
        .action-card p { color: var(--text-gray); font-size: 0.93rem; }
        .pill-small { display: inline-block; padding: 4px 10px; border-radius: 30px; background: rgba(197,160,89,0.16); color: var(--primary-dark); font-size: 0.8rem; font-weight: 700; text-transform: uppercase; }

        /* --- INFOGRAPHICS --- */
        .infographic-band {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 18px;
            margin-top: 32px;
        }

        .info-box {
            background: linear-gradient(135deg, rgba(26,79,138,0.12), rgba(197,160,89,0.18));
            border: 1px solid rgba(11,30,59,0.08);
            border-radius: 14px;
            padding: 18px 16px;
            color: var(--primary-dark);
            display: flex;
            gap: 12px;
            align-items: center;
        }

        .info-figure {
            width: 48px;
            height: 48px;
            border-radius: 12px;
            background: var(--white);
            display: grid;
            place-items: center;
            font-weight: 800;
            color: var(--primary-blue);
            box-shadow: 0 6px 16px rgba(0,0,0,0.06);
        }

        .info-copy small { display: block; color: var(--text-gray); font-size: 0.85rem; }

        /* --- EMI CALCULATOR --- */
        .emi-wrapper {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 24px;
            align-items: center;
        }

        .emi-card {
            background: var(--white);
            border-radius: 14px;
            padding: 20px;
            box-shadow: 0 12px 32px rgba(0,0,0,0.06);
            border: 1px solid rgba(11,30,59,0.06);
        }

        .emi-card label { font-weight: 600; margin-top: 10px; display: block; color: var(--primary-dark); }
        .emi-card input, .emi-card select { width: 100%; padding: 10px 12px; border-radius: 10px; border: 1px solid #e1e1e1; }

        .emi-meta { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px,1fr)); gap: 12px; margin-top: 14px; }
        .meta-block { background: rgba(11,30,59,0.04); padding: 12px; border-radius: 10px; }
        .meta-block span { display: block; color: var(--text-gray); font-size: 0.85rem; }
        .meta-block strong { color: var(--primary-dark); font-size: 1.1rem; }

        .emi-visual {
            background: linear-gradient(135deg, #0b1e3b, #1a4f8a);
            color: var(--white);
            border-radius: 16px;
            padding: 24px;
            position: relative;
            overflow: hidden;
        }

        .ring-chart {
            width: 200px;
            height: 200px;
            border-radius: 50%;
            margin: 0 auto 14px;
            background: conic-gradient(var(--accent-gold) 0deg, var(--accent-gold) 180deg, rgba(255,255,255,0.22) 180deg, rgba(255,255,255,0.22) 360deg);
            display: grid;
            place-items: center;
            position: relative;
        }

        .ring-chart::after {
            content: '';
            width: 120px;
            height: 120px;
            background: var(--primary-blue);
            border-radius: 50%;
            position: absolute;
        }

        .ring-chart span {
            position: relative;
            font-weight: 800;
            font-size: 1.4rem;
            z-index: 1;
        }

        .legend { display: flex; gap: 12px; justify-content: center; align-items: center; margin-top: 10px; flex-wrap: wrap; }
        .legend span { display: flex; align-items: center; gap: 8px; font-size: 0.95rem; }
        .legend i { width: 12px; height: 12px; display: inline-block; border-radius: 3px; }

        /* --- SIDE FORMS --- */
        .side-shell {
            position: fixed;
            top: 140px;
            right: 0;
            z-index: 1200;
            display: flex;
            align-items: stretch;
            transform: translateX(calc(100% - 56px));
            transition: transform 0.35s ease;
        }

        .side-shell.open {
            transform: translateX(0);
        }

        .side-panel {
            width: 320px;
            max-width: 90vw;
            background: var(--white);
            box-shadow: -8px 12px 35px rgba(0,0,0,0.12);
            border-radius: 12px 0 0 12px;
            border-left: 6px solid var(--accent-gold);
            overflow: hidden;
        }

        .side-tabs { display: grid; grid-template-columns: repeat(2, 1fr); }
        .side-tabs button { background: none; border: none; padding: 12px; font-weight: 700; cursor: pointer; color: var(--primary-dark); }
        .side-tabs button.active { background: rgba(26,79,138,0.08); color: var(--primary-blue); }

        .side-form-body { padding: 14px; display: none; }
        .side-form-body.active { display: block; }

        .side-form-body input, .side-form-body select { width: 100%; padding: 10px; margin-bottom: 10px; border-radius: 10px; border: 1px solid #e1e1e1; }
        .side-form-body button { width: 100%; }

        .side-mini-actions { display: flex; gap: 8px; margin-top: 6px; flex-wrap: wrap; }

        .side-toggle {
            background: linear-gradient(180deg, var(--primary-blue), #0b1e3b);
            color: var(--white);
            writing-mode: vertical-rl;
            transform: rotate(180deg);
            padding: 14px 10px;
            min-width: 56px;
            border-radius: 0 10px 10px 0;
            box-shadow: -6px 10px 25px rgba(0,0,0,0.15);
            cursor: pointer;
            display: grid;
            place-items: center;
            gap: 6px;
            font-weight: 700;
            letter-spacing: 1px;
            position: relative;
            overflow: hidden;
        }

        .side-toggle::after {
            content: ""; /* Removed text */
            display: none; /* Hide the element entirely */
        }

        .side-toggle small { font-size: 0.75rem; opacity: 0.9; }

        /* --- STATS BAR --- */
        .stats-section {
            background: var(--primary-dark);
            color: var(--white);
            padding: 40px 0 20px;
            margin-top: -5px;
            border-bottom: 1px solid rgba(0,0,0,0.05);
        }

        .stats-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 30px;
            text-align: center;
        }

        .stat-item h3 { font-size: 2.2rem; color: var(--white); margin-bottom: 6px; }
        .stat-item p { font-size: 0.95rem; text-transform: uppercase; letter-spacing: 1px; color: rgba(255,255,255,0.8); }

        .pill { display: inline-block; padding: 6px 14px; border-radius: 30px; background: rgba(255,255,255,0.1); color: var(--accent-gold); font-weight: 600; font-size: 0.85rem; margin-bottom: 12px; }

        /* --- ABOUT --- */
        .about-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 60px;
            align-items: center;
        }

        .about-text h2 {
            font-size: 2.6rem;
            color: var(--primary-dark);
            margin-bottom: 20px;
            position: relative;
        }

        .about-text h2::after {
            content: '';
            display: block;
            width: 80px;
            height: 4px;
            background: linear-gradient(90deg, var(--accent-gold), var(--primary-blue));
            margin-top: 10px;
        }

        .about-img-wrapper {
            position: relative;
        }

        .about-img-wrapper img {
            width: 100%;
            border-radius: 10px;
            box-shadow: 20px 20px 0px var(--light-bg);
        }

        /* --- SERVICES --- */
        #services { background: var(--light-bg); }

        .chip-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 12px; }
        .chip { padding: 6px 12px; background: rgba(11,30,59,0.06); border-radius: 14px; font-size: 0.85rem; color: var(--primary-dark); }

        .section-header { text-align: center; margin-bottom: 60px; }
        .section-header h2 { font-size: 2.5rem; color: var(--primary-dark); margin-bottom: 15px; }
        .section-header p { color: var(--text-gray); max-width: 600px; margin: 0 auto; }

        .cards-container {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 30px;
        }

        .loan-suite {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
            gap: 24px;
            margin-top: 24px;
        }

        .loan-card {
            background: var(--white);
            border: 1px solid rgba(11,30,59,0.08);
            box-shadow: 0 10px 28px rgba(0,0,0,0.05);
            border-radius: 14px;
            padding: 24px;
            display: flex;
            flex-direction: column;
            gap: 12px;
            transition: transform 0.3s ease, box-shadow 0.3s ease;
            text-decoration: none; /* Ensure no underline */
            height: 100%;
        }

        .loan-card:hover {
            transform: translateY(-8px);
            box-shadow: 0 20px 40px rgba(0,0,0,0.1);
            border-color: rgba(197,160,89,0.3);
        }

        .loan-card h3 { color: var(--primary-dark); font-size: 1.15rem; font-weight: 700; margin-bottom: 4px; }
        .loan-card p { color: var(--text-gray); font-size: 0.95rem; line-height: 1.5; flex-grow: 1; }

        .loan-icon {
            width: 52px;
            height: 52px;
            border-radius: 12px;
            display: grid;
            place-items: center;
            background: rgba(26,79,138,0.08);
            color: var(--primary-blue);
            font-size: 1.4rem;
            margin-bottom: 6px;
            transition: background 0.3s ease;
        }

        .loan-card:hover .loan-icon {
            background: var(--primary-blue);
            color: var(--white);
        }

        .loan-tags {
            display: flex;
            flex-wrap: wrap;
            gap: 8px;
            margin-top: auto; /* Push to bottom if flex column */
        }

        .loan-tag {
            background: rgba(197,160,89,0.15);
            color: var(--primary-dark);
            padding: 5px 12px;
            border-radius: 30px;
            font-weight: 600;
            font-size: 0.75rem;
            letter-spacing: 0.3px;
            border: 1px solid rgba(197,160,89,0.2);
        }

        .card {
            background: var(--white);
            padding: 40px 30px;
            border-radius: 15px;
            box-shadow: 0 10px 30px rgba(0,0,0,0.05);
            transition: all 0.4s ease;
            border-bottom: 4px solid transparent;
            text-align: center;
            position: relative;
            overflow: hidden;
        }

        .tag { position: absolute; top: 20px; right: -40px; background: var(--emerald); color: var(--primary-dark); padding: 8px 50px; transform: rotate(45deg); font-weight: 700; text-transform: uppercase; font-size: 0.8rem; box-shadow: 0 8px 25px rgba(33,196,140,0.3); }

        .card:hover {
            transform: translateY(-10px);
            border-bottom: 4px solid var(--accent-gold);
        }

        .card i { font-size: 3rem; color: var(--primary-blue); margin-bottom: 20px; }
        .card h3 { font-size: 1.4rem; margin-bottom: 15px; color: var(--primary-dark); }
        .card p { color: var(--text-gray); font-size: 0.95rem; }

        /* --- PROCESS SECTION (NEW) --- */
        .process-steps {
            display: flex;
            justify-content: space-between;
            flex-wrap: wrap;
            gap: 30px;
            position: relative;
        }

        .step-card {
            flex: 1;
            min-width: 250px;
            text-align: center;
            padding: 20px;
            position: relative;
        }

        .step-number {
            background: var(--accent-gold);
            color: var(--primary-dark);
            width: 50px;
            height: 50px;
            border-radius: 50%;
            font-weight: bold;
            font-size: 1.2rem;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
        }

        /* --- TESTIMONIALS (NEW) --- */
        #testimonials { background: var(--primary-dark); color: var(--white); }

        .testimonial-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 30px;
        }

        .testimonial-card {
            background: rgba(255,255,255,0.05);
            padding: 30px;
            border-radius: 10px;
            border: 1px solid rgba(255,255,255,0.1);
        }

        .stars { color: var(--accent-gold); margin-bottom: 15px; }
        .quote { font-style: italic; opacity: 0.9; margin-bottom: 20px; }
        .client-name { font-weight: bold; font-size: 1.1rem; }

        /* --- FAQ SECTION (NEW) --- */
        .faq-container { max-width: 800px; margin: 0 auto; }

        .faq-item {
            background: var(--white);
            border-radius: 8px;
            margin-bottom: 15px;
            box-shadow: 0 2px 10px rgba(0,0,0,0.05);
            overflow: hidden;
        }

        .faq-question {
            padding: 20px;
            font-weight: 600;
            cursor: pointer;
            display: flex;
            justify-content: space-between;
            align-items: center;
            color: var(--primary-dark);
        }

        .faq-answer {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease-out;
            padding: 0 20px;
            color: var(--text-gray);
        }

        .faq-item.active .faq-answer {
            padding: 0 20px 20px 20px;
            max-height: 200px;
        }

        .faq-toggle { transition: 0.3s; }
        .faq-item.active .faq-toggle { transform: rotate(180deg); }

        /* --- CONTACT --- */
        #contact { background: var(--light-bg); }

        .contact-wrapper {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 30px;
        }

        .contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 30px; }
        .contact-form { background: var(--white); padding: 30px; border-radius: 12px; box-shadow: 0 10px 30px rgba(0,0,0,0.06); }
        .contact-form label { font-weight: 600; display: block; margin: 12px 0 6px; color: var(--primary-dark); }
        .contact-form input, .contact-form select, .contact-form textarea { width: 100%; padding: 12px 14px; border-radius: 8px; border: 1px solid #e6e6e6; font-size: 0.95rem; }
        .contact-form textarea { min-height: 110px; resize: vertical; }
        .contact-form button { margin-top: 15px; width: 100%; }

        .contact-card {
            background: var(--white);
            padding: 30px;
            border-radius: 10px;
            text-align: center;
            box-shadow: 0 5px 20px rgba(0,0,0,0.05);
            transition: 0.3s;
        }

        .contact-card:hover { transform: translateY(-5px); }
        .contact-card i { font-size: 2rem; color: var(--primary-blue); margin-bottom: 15px; }
        .contact-card h4 { margin-bottom: 10px; }
        .contact-card a { font-size: 1.2rem; font-weight: 600; color: var(--primary-dark); }

        .highlight-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; }
        .highlight-box { background: var(--white); padding: 22px; border-radius: 12px; box-shadow: 0 8px 24px rgba(0,0,0,0.05); border: 1px solid rgba(11,30,59,0.05); }
        .highlight-box h4 { margin-bottom: 8px; color: var(--primary-dark); }
        .highlight-box p { color: var(--text-gray); font-size: 0.95rem; }
        .icon-circle { width: 42px; height: 42px; background: rgba(26,79,138,0.12); border-radius: 50%; display: grid; place-items: center; color: var(--primary-blue); margin-bottom: 12px; }
        .checklist { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 12px; margin-top: 12px; }
        .checklist li { background: rgba(26,79,138,0.05); padding: 10px 14px; border-radius: 10px; color: var(--text-dark); }
        .bar-strip { display: flex; flex-wrap: wrap; gap: 12px; padding: 14px 18px; background: rgba(197,160,89,0.12); border-radius: 14px; color: var(--primary-dark); align-items: center; }

        /* --- FLOATING BUTTONS --- */
        .float-wa {
            position: fixed;
            width: 60px;
            height: 60px;
            bottom: 30px;
            right: 30px;
            background-color: #25d366;
            color: #FFF;
            border-radius: 50px;
            text-align: center;
            font-size: 30px;
            box-shadow: 2px 2px 10px #999;
            z-index: 100;
            display: flex;
            align-items: center;
            justify-content: center;
            transition: 0.3s;
        }

        .float-wa:hover { transform: scale(1.1); }

        /* --- FOOTER --- */
        footer { background: #050c18; color: #c8d2e0; padding: 60px 0 30px; }
        .footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 30px; }
        .footer-brand img { width: 120px; margin-bottom: 12px; }
        .footer-brand p { color: #a8b3c5; margin-top: 10px; font-size: 0.95rem; }
        .footer-title { color: #fff; font-weight: 700; margin-bottom: 14px; }
        .footer-links li { margin-bottom: 8px; }
        .footer-links a { color: #c8d2e0; font-size: 0.95rem; }
        .footer-links a:hover { color: var(--accent-gold); }
        .footer-contact li { margin-bottom: 10px; color: #c8d2e0; }
        .newsletter input { width: 100%; padding: 12px; border-radius: 10px; border: 1px solid rgba(255,255,255,0.1); background: rgba(255,255,255,0.05); color: #fff; margin-bottom: 10px; }
        .footer-disclaimer { margin-top: 40px; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px; color: #7a8ba3; font-size: 0.8rem; line-height: 1.6; text-align: justify; }
        .footer-bottom { margin-top: 20px; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 18px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; color: #8fa2bc; font-size: 0.9rem; }
        .socials { display: flex; gap: 10px; }
        .socials a { width: 34px; height: 34px; border-radius: 8px; display: grid; place-items: center; background: rgba(255,255,255,0.06); color: #fff; }
        .socials a:hover { background: var(--accent-gold); color: var(--primary-dark); }

        /* --- MOBILE --- */
        @media (max-width: 768px) {
            .hamburger { display: block; }
            .hamburger.active .bar:nth-child(1) { transform: translateY(8px) rotate(45deg); }
            .hamburger.active .bar:nth-child(2) { opacity: 0; }
            .hamburger.active .bar:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

            .nav-links {
                position: fixed;
                left: -100%;
                top: 0;
                flex-direction: column;
                background-color: var(--primary-dark);
                width: 280px; /* Drawer width */
                height: 100vh;
                text-align: center;
                transition: 0.4s ease;
                padding: 20px 20px 40px;
                z-index: 1002;
                box-shadow: 10px 0 30px rgba(0,0,0,0.5);
                align-items: stretch;
                justify-content: flex-start;
                overflow-y: auto;
            }
            .nav-links.active { left: 0; }

            .mobile-nav-header {
                display: block;
                padding-bottom: 20px;
                margin-bottom: 20px;
                border-bottom: 1px solid rgba(197, 160, 89, 0.3);
            }

            .mobile-nav-header img {
                max-width: 140px;
            width: auto;
            height: auto !important;
            object-fit: contain;
                filter: invert(1) grayscale(1);
                mix-blend-mode: screen;
            }

            .nav-list {
                flex-direction: column;
                gap: 0;
                width: 100%;
            }

            .nav-list li {
                width: 100%;
                border-bottom: 1px solid rgba(255, 255, 255, 0.1);
            }

            .nav-list a {
                display: block;
                color: rgba(255, 255, 255, 0.9);
                padding: 15px 0;
                text-align: left;
                font-size: 1.05rem;
                letter-spacing: 0.5px;
            }

            .nav-list a:hover {
                color: var(--accent-gold);
                padding-left: 10px;
            }

            .nav-list a.cta-btn {
                background: none;
                color: var(--accent-gold) !important;
                box-shadow: none;
                padding: 15px 0;
                border-radius: 0;
                text-align: left;
            }

            .mobile-nav-footer {
                display: block;
                margin-top: auto;
                padding-top: 20px;
                border-top: 1px solid rgba(197, 160, 89, 0.3);
            }

            .hero-content h1 { font-size: 2.2rem; }
            .about-grid { grid-template-columns: 1fr; }
            .about-img-wrapper { order: -1; }
            .side-shell { display: none; }
        }

/* --- FRAUD ALERT (LEFT SIDE) --- */
.fraud-toggle {
    position: fixed;
    top: 50%;
    left: 0;
    transform: translateY(-50%);
    background: #d9534f; /* Red warning color */
    color: white;
    padding: 12px 16px;
    border-radius: 0 8px 8px 0;
    cursor: pointer;
    z-index: 1200;
    font-weight: 600;
    writing-mode: vertical-rl;
    text-orientation: mixed;
    box-shadow: 4px 4px 15px rgba(0,0,0,0.2);
    transition: 0.3s;
}

.fraud-toggle:hover {
    padding-right: 24px;
    background: #c9302c;
}

.fraud-toggle i {
    margin-bottom: 8px;
    font-size: 1.2rem;
}

.fraud-panel {
    position: fixed;
    top: 50%;
    left: -320px; /* Hidden initially */
    transform: translateY(-50%);
    width: 300px;
    background: #d9534f;
    color: white;
    border-radius: 0 12px 12px 0;
    box-shadow: 10px 10px 40px rgba(0,0,0,0.3);
    z-index: 1201;
    transition: left 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275), right 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    padding: 20px;
}

.fraud-panel.open {
    left: 0;
}

@media (max-width: 768px) {
    .fraud-toggle {
        left: auto;
        right: 0;
        border-radius: 8px 0 0 8px; /* Rounded left side */
        box-shadow: -4px 4px 15px rgba(0,0,0,0.2);
    }
    .fraud-toggle:hover {
        padding-right: 16px;
        padding-left: 24px;
    }
    .fraud-panel {
        left: auto;
        right: -320px;
        border-radius: 12px 0 0 12px;
        box-shadow: -10px 10px 40px rgba(0,0,0,0.3);
    }
    .fraud-panel.open {
        left: auto;
        right: 0;
    }
}

.fraud-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 15px;
    border-bottom: 1px solid rgba(255,255,255,0.3);
    padding-bottom: 10px;
}

.fraud-header h4 {
    font-size: 1.1rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.fraud-header button {
    background: none;
    border: none;
    color: white;
    font-size: 1.5rem;
    cursor: pointer;
}

.fraud-content p {
    font-size: 0.95rem;
    line-height: 1.5;
    margin-bottom: 10px;
}

/* --- RIBBONS --- */
.card-ribbon {
    position: absolute;
    top: 12px;
    right: 12px;
    background: var(--accent-gold);
    color: var(--primary-dark);
    font-size: 0.7rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 4px;
    text-transform: uppercase;
    z-index: 2;
    text-align: center;
    display: flex;
    justify-content: center;
    align-items: center;
}

.card-ribbon.blue { background: var(--primary-blue); color: white; }
.card-ribbon.green { background: var(--emerald); color: white; }

/* Ensure loan-card relative positioning for ribbon */
.loan-card {
    position: relative;
    overflow: hidden;
}

/* --- MOBILE APP ANIMATIONS --- */
.floating-phone {
    animation: floatPhone 6s ease-in-out infinite;
}

@keyframes floatPhone {
    0% { transform: translateY(0); }
    50% { transform: translateY(-20px); }
    100% { transform: translateY(0); }
}

.floating-phone-container {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.pulse-circle {
    position: absolute;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(197,160,89,0.2) 0%, rgba(255,255,255,0) 70%);
    border-radius: 50%;
    z-index: 1;
    animation: pulseGlowLarge 4s infinite;
}

@keyframes pulseGlowLarge {
    0% { transform: scale(0.8); opacity: 0.5; }
    50% { transform: scale(1.2); opacity: 1; }
    100% { transform: scale(0.8); opacity: 0.5; }
}

/* --- FUNDS GRID (NEW) --- */
.funds-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 30px;
}

.fund-card {
    background: var(--white);
    padding: 20px;
    border-radius: 12px;
    text-align: center;
    box-shadow: 0 5px 15px rgba(0,0,0,0.05);
    border: 1px solid rgba(11,30,59,0.05);
    transition: 0.3s;
}

.fund-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.08);
    border-color: rgba(197,160,89,0.3);
}

.fund-icon {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: rgba(26,79,138,0.1);
    color: var(--primary-blue);
    display: grid;
    place-items: center;
    font-size: 1.2rem;
    margin: 0 auto 12px;
}

.fund-card h5 {
    color: var(--primary-dark);
    font-size: 0.95rem;
    font-weight: 600;
}