:root{
    --maroon-950:#260a37;
    --maroon-900:#3a1150;
    --maroon-800:#4b1a4a;
    --teal-600:#2f7d68;
    --gold-400:#eab558;
    --gold-500:#e3a13c;
    --gold-600:#c98a2c;
    --orange-500:#ef7f1a;
    --pink-600:#c62368;
    --pink-700:#a31f57;
    --cream-50:#fbf3e6;
    --cream-100:#f7ead4;
    --lavender-50:#f2eef9;
    --ink-900:#2a2233;
    --ink-700:#544d5e;
    --ink-500:#867e91;
    --white:#ffffff;
    --border:#e9e1f0;
    --radius-lg:20px;
    --radius-md:14px;
    --radius-sm:10px;
    --shadow-sm:0 2px 12px rgba(58,17,80,.07);
    --shadow-md:0 14px 34px rgba(58,17,80,.12);
    --container:1200px;
  }

  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    *{animation-duration:.01ms !important; transition-duration:.01ms !important;}
  }
  body{
    margin:0;
    font-family:'Poppins',sans-serif;
    color:var(--ink-700);
    background:var(--white);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3{
    font-family:'Playfair Display',serif;
    color:var(--maroon-900);
    margin:0 0 .5em 0;
    line-height:1.2;
  }
  p{margin:0 0 1em 0;}
  a{color:inherit;}
  img{max-width:100%;display:block;}
  .container{max-width:var(--container);margin:0 auto;padding:0 24px;}
  .script{font-family:'Caveat',cursive;}
  a:focus-visible,button:focus-visible{outline:3px solid var(--gold-500);outline-offset:2px;}

  .accent-teal{color:var(--teal-600);}

  /* Buttons */
  .btn{
    display:inline-flex;align-items:center;gap:10px;
    padding:15px 30px;border-radius:999px;
    font-weight:600;font-size:.95rem;
    text-decoration:none;border:none;cursor:pointer;
    transition:transform .18s ease, box-shadow .18s ease;
    white-space:nowrap;
  }
  .btn i{font-size:.85em;}
  .btn:hover{transform:translateY(-2px);}
  .btn-dark{background:var(--maroon-800);color:#fff;}
  .btn-dark:hover{box-shadow:0 10px 22px rgba(75,26,74,.35);}
  .btn-gradient{background:linear-gradient(95deg,var(--orange-500),var(--pink-600));color:#fff;box-shadow:0 10px 24px rgba(198,35,104,.28);}
  .btn-pink{background:linear-gradient(95deg,#d6316f,var(--pink-700));color:#fff;box-shadow:0 10px 24px rgba(163,31,87,.28);}
  .btn-outline{background:transparent;color:var(--maroon-900);border:2px solid var(--maroon-900);}
  .btn-outline:hover{background:var(--maroon-900);color:#fff;}
  .btn-outline-light{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.65);}
  .btn-outline-light:hover{background:rgba(255,255,255,.12);}
  .btn-gold{background:linear-gradient(95deg,var(--gold-400),var(--gold-600));color:var(--maroon-950);font-weight:700;}
  .btn-sm{padding:10px 18px;font-size:.85rem;}
  .btn-lg{padding:19px 38px;font-size:1.05rem;box-shadow:0 14px 30px rgba(198,35,104,.35);}
  .cta-reassure{font-size:.78rem;color:var(--ink-500);margin:12px 0 0;display:flex;gap:16px;flex-wrap:wrap;}
  .cta-reassure span{display:inline-flex;align-items:center;gap:6px;}
  .cta-reassure i{color:var(--teal-600);}
  .btn-whatsapp{background:#25D366;color:#fff;box-shadow:0 10px 24px rgba(37,211,102,.3);}

  /* Floating WhatsApp bubble */
  .whatsapp-float{
    position:fixed;bottom:22px;right:22px;z-index:60;
    width:60px;height:60px;border-radius:50%;
    background:#25D366;color:#fff;
    display:flex;align-items:center;justify-content:center;
    font-size:1.7rem;text-decoration:none;
    box-shadow:0 10px 26px rgba(37,211,102,.45);
    animation:wa-pulse 2.4s ease-in-out infinite;
  }
  .whatsapp-float:hover{transform:scale(1.06);}
  @keyframes wa-pulse{
    0%,100%{box-shadow:0 10px 26px rgba(37,211,102,.45);}
    50%{box-shadow:0 10px 26px rgba(37,211,102,.45), 0 0 0 10px rgba(37,211,102,.15);}
  }
  @media (prefers-reduced-motion: reduce){.whatsapp-float{animation:none;}}
  @media (max-width:600px){.whatsapp-float{width:52px;height:52px;font-size:1.5rem;bottom:16px;right:16px;}}

  /* Floating Call bubble, stacked above WhatsApp */
  .call-float{
    position:fixed;bottom:96px;right:22px;z-index:60;
    width:60px;height:60px;border-radius:50%;
    background:var(--maroon-800);color:#fff;
    display:flex;align-items:center;justify-content:center;
    font-size:1.5rem;text-decoration:none;
    box-shadow:0 10px 26px rgba(75,26,74,.45);
  }
  .call-float:hover{transform:scale(1.06);}
  @media (max-width:600px){.call-float{width:52px;height:52px;font-size:1.3rem;bottom:78px;right:16px;}}

  /* ===== HEADER ===== */
  .site-header{
    position:sticky;top:0;z-index:50;
    background:rgba(255,255,255,.96);
    backdrop-filter:blur(6px);
    border-bottom:1px solid var(--border);
  }
  .header-inner{
    display:flex;align-items:center;justify-content:space-between;
    padding:14px 24px;gap:20px;
  }
  .logo{display:flex;align-items:center;gap:12px;text-decoration:none;}
  .logo-icon svg{width:38px;height:38px;display:block;}
  .logo-text{display:flex;flex-direction:column;line-height:1.25;}
  .logo-name{font-family:'Playfair Display',serif;font-weight:700;font-size:1.3rem;color:var(--maroon-900);letter-spacing:.5px;}
  .logo-tagline{font-size:.68rem;color:var(--ink-500);}
  .logo-since{font-size:.62rem;color:var(--gold-600);font-weight:600;}
  .nav{display:flex;gap:30px;align-items:center;}
  .nav a{text-decoration:none;color:var(--ink-700);font-weight:500;font-size:.95rem;padding:6px 2px;border-bottom:2px solid transparent;transition:color .15s, border-color .15s;}
  .nav a:hover,.nav a.active{color:var(--orange-500);border-color:var(--orange-500);}
  .header-cta{flex-shrink:0;}
  .nav-toggle{display:none;background:none;border:none;font-size:1.4rem;color:var(--maroon-900);cursor:pointer;}

  @media (max-width:1120px){
    .nav{
      position:absolute;top:100%;left:0;right:0;
      background:#fff;flex-direction:column;align-items:flex-start;
      padding:16px 24px;gap:14px;border-bottom:1px solid var(--border);
      box-shadow:var(--shadow-md);
      display:none;
    }
    .nav.open{display:flex;}
    .header-cta{display:none;}
    .nav-toggle{display:block;}
  }

  /* ===== HERO ===== */
  .hero{background:linear-gradient(180deg,var(--cream-50),#fff 92%);padding:64px 0 56px;overflow:hidden;}
  .hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}
  .hero h1{font-size:clamp(2.4rem,4vw,3.4rem);}
  .hero-sub{font-size:clamp(1.15rem,2vw,1.5rem);color:var(--maroon-900);font-weight:600;margin-bottom:18px;}
  .loan-types{font-size:.92rem;color:var(--ink-700);font-weight:500;margin-bottom:14px;}
  .hero-desc{max-width:46ch;color:var(--ink-700);}
  .hero-badges{display:flex;gap:14px;flex-wrap:wrap;margin:22px 0 28px;}
  .badge{
    display:flex;align-items:center;gap:10px;background:#fff;
    border:1px solid var(--border);border-radius:var(--radius-md);
    padding:12px 16px;box-shadow:var(--shadow-sm);
  }
  .badge i{font-size:1.2rem;color:var(--gold-600);}
  .badge strong{display:block;font-size:.85rem;color:var(--maroon-900);}
  .badge span{display:block;font-size:.72rem;color:var(--ink-500);}
  .hero-ctas{display:flex;gap:16px;flex-wrap:wrap;}

  .hero-visual{position:relative;display:flex;align-items:center;justify-content:center;min-height:380px;}
  .hero-blob{
    width:100%;aspect-ratio:1/.86;
    background:radial-gradient(circle at 32% 28%, #fffaf1, var(--cream-100) 55%, var(--gold-400) 145%);
    border-radius:44% 56% 62% 38% / 48% 44% 56% 52%;
    box-shadow:var(--shadow-md);
    display:flex;align-items:center;justify-content:center;
    animation:blobIn .8s ease-out both;
  }
  @keyframes blobIn{from{opacity:0;transform:scale(.94);}to{opacity:1;transform:scale(1);}}
  .hero-blob i{font-size:6.5rem;color:var(--maroon-900);opacity:.88;}
  .script-overlay{
    position:absolute;top:6%;left:6%;
    font-family:'Caveat',cursive;font-weight:700;font-size:1.5rem;
    color:var(--gold-600);line-height:1.25;transform:rotate(-5deg);
    max-width:220px;text-shadow:0 1px 0 rgba(255,255,255,.5);
  }
  .float-card{
    position:absolute;background:#fff;border-radius:var(--radius-md);
    box-shadow:var(--shadow-md);padding:12px 16px;
    display:flex;align-items:center;gap:10px;font-size:.82rem;font-weight:600;color:var(--maroon-900);
  }
  .float-card i{font-size:1.2rem;color:var(--pink-600);}
  .float-card--tl{top:10%;left:-4%;}
  .float-card--br{bottom:8%;right:-4%;}

  @media (max-width:980px){
    .hero-inner{grid-template-columns:1fr;gap:40px;}
    .float-card--tl{left:2%;}
    .float-card--br{right:2%;}
  }

  /* ===== TRUST BAR ===== */
  .trust-bar{background:var(--cream-100);padding:26px 0;}
  .trust-grid{display:grid;grid-template-columns:repeat(4,1fr);}
  .trust-item{display:flex;align-items:center;gap:12px;padding:10px 20px;border-left:1px solid rgba(58,17,80,.12);}
  .trust-item:first-child{border-left:none;}
  .trust-item i{font-size:1.5rem;color:var(--gold-600);}
  .trust-item strong{display:block;font-size:.85rem;color:var(--maroon-900);}
  .trust-item span{display:block;font-size:.72rem;color:var(--ink-500);}
  @media (max-width:900px){
    .trust-grid{grid-template-columns:repeat(2,1fr);row-gap:18px;}
    .trust-item:nth-child(3){border-left:none;}
  }
  @media (max-width:560px){
    .trust-grid{grid-template-columns:1fr;}
    .trust-item{border-left:none !important;border-top:1px solid rgba(58,17,80,.1);padding-top:16px;}
    .trust-item:first-child{border-top:none;}
  }

  /* ===== SECTION GENERIC ===== */
  section{padding:80px 0;}
  .section-sub{color:var(--ink-500);font-size:1rem;margin-bottom:34px;}
  .section-head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:34px;flex-wrap:wrap;}
  .section-note{color:var(--ink-500);font-size:.88rem;max-width:26ch;text-align:right;}
  @media (max-width:700px){.section-note{text-align:left;}}

  /* ===== EXISTING LOAN ===== */
  .existing-loan{background:var(--lavender-50);}
  .existing-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center;}
  .existing-media{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md);}
  .existing-media img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3;}
  .existing-note{
    position:absolute;bottom:16px;left:16px;right:16px;
    background:rgba(255,255,255,.94);border-radius:var(--radius-sm);
    padding:14px 18px;font-family:'Caveat',cursive;font-weight:700;
    font-size:1.3rem;color:var(--maroon-900);line-height:1.15;
  }
  .check-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin:22px 0;}
  .check-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:16px 10px;text-align:center;}
  .check-card i{font-size:1.3rem;color:var(--pink-600);margin-bottom:8px;display:block;}
  .check-card span{font-size:.78rem;font-weight:500;color:var(--ink-700);}
  @media (max-width:980px){
    .existing-grid{grid-template-columns:1fr;}
    .check-grid{grid-template-columns:repeat(3,1fr);}
  }
  @media (max-width:560px){.check-grid{grid-template-columns:repeat(2,1fr);}}

  /* ===== EXPERTISE ===== */
  .expertise-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;}
  .expertise-card{
    background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);
    padding:24px 18px;transition:transform .18s ease, box-shadow .18s ease;
  }
  .expertise-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);}
  .expertise-card i{font-size:1.6rem;color:var(--maroon-800);margin-bottom:14px;display:block;}
  .expertise-card h3{font-size:1rem;font-family:'Poppins',sans-serif;font-weight:600;color:var(--maroon-900);margin-bottom:8px;}
  .expertise-card p{font-size:.85rem;color:var(--ink-500);margin-bottom:16px;line-height:1.6;}
  .card-link{font-size:.82rem;font-weight:600;color:var(--orange-500);text-decoration:none;}
  .card-link:hover{text-decoration:underline;}
  .card-whatsapp{
    display:inline-flex;align-items:center;gap:8px;
    background:#25D366;color:#fff;font-size:.8rem;font-weight:600;
    padding:9px 16px;border-radius:999px;text-decoration:none;
    transition:transform .15s ease;
  }
  .card-whatsapp:hover{transform:translateY(-2px);}
  @media (max-width:1100px){.expertise-grid{grid-template-columns:repeat(3,1fr);}}
  @media (max-width:620px){.expertise-grid{grid-template-columns:repeat(2,1fr);}}

  /* ===== BANKING PARTNERS ===== */
  .bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;}
  .bank-chip{
    display:flex;align-items:center;gap:10px;
    background:var(--lavender-50);border:1px solid var(--border);
    border-radius:var(--radius-md);padding:14px 16px;
    font-size:.85rem;font-weight:600;color:var(--maroon-900);
  }
  .bank-chip i{color:var(--gold-600);font-size:1.1rem;flex-shrink:0;}
  @media (max-width:900px){.bank-grid{grid-template-columns:repeat(3,1fr);}}
  @media (max-width:600px){.bank-grid{grid-template-columns:repeat(2,1fr);}}

  /* ===== WHY US ===== */
  .why-us{background:var(--lavender-50);}
  .why-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:0;}
  .why-item{padding:0 18px;border-left:1px solid rgba(58,17,80,.12);}
  .why-item:first-child{border-left:none;padding-left:0;}
  .why-item i{font-size:1.5rem;color:var(--gold-600);margin-bottom:12px;display:block;}
  .why-item strong{display:block;font-size:.88rem;color:var(--maroon-900);margin-bottom:4px;}
  .why-item span{font-size:.76rem;color:var(--ink-500);}
  @media (max-width:1100px){
    .why-grid{grid-template-columns:repeat(3,1fr);row-gap:26px;}
    .why-item:nth-child(4){border-left:none;padding-left:0;}
  }
  @media (max-width:640px){
    .why-grid{grid-template-columns:repeat(2,1fr);}
    .why-item:nth-child(3){border-left:none;padding-left:0;}
  }

  /* ===== JOURNEY ===== */
  .journey-steps{display:flex;justify-content:space-between;gap:10px;position:relative;}
  .journey-step{flex:1;text-align:center;position:relative;padding:0 8px;}
  .step-num{
    width:44px;height:44px;border-radius:50%;
    background:linear-gradient(135deg,var(--gold-400),var(--gold-600));
    color:var(--maroon-950);font-weight:700;font-family:'Playfair Display',serif;
    display:flex;align-items:center;justify-content:center;margin:0 auto 12px;
    box-shadow:var(--shadow-sm);position:relative;z-index:2;
  }
  .journey-step i.step-icon{display:block;font-size:1.3rem;color:var(--maroon-800);margin-bottom:8px;}
  .journey-step h3{font-size:.92rem;font-family:'Poppins',sans-serif;font-weight:600;color:var(--maroon-900);margin-bottom:4px;}
  .journey-step p{font-size:.76rem;color:var(--ink-500);margin:0;}
  .journey-step:not(:last-child)::after{
    content:'';position:absolute;top:22px;left:calc(50% + 34px);right:calc(-50% + 34px);
    height:2px;background:repeating-linear-gradient(90deg,rgba(58,17,80,.25) 0 6px,transparent 6px 12px);
    z-index:1;
  }
  @media (max-width:900px){
    .journey-steps{flex-wrap:wrap;}
    .journey-step{flex:0 0 50%;margin-bottom:30px;}
    .journey-step::after{display:none;}
  }

  /* ===== ELIGIBILITY ===== */
  .eligibility{background:linear-gradient(180deg,var(--cream-50),#fff);}
  .eligibility-grid{display:grid;grid-template-columns:.9fr 1.3fr .8fr;gap:40px;align-items:center;}
  .browser-mock{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);overflow:hidden;border:1px solid var(--border);}
  .browser-bar{background:#efe6f4;padding:10px 14px;display:flex;gap:6px;}
  .browser-dot{width:9px;height:9px;border-radius:50%;}
  .browser-dot:nth-child(1){background:#f0a7a7;}
  .browser-dot:nth-child(2){background:#f3d29c;}
  .browser-dot:nth-child(3){background:#a7d9b8;}
  .browser-body{padding:26px 22px;text-align:center;background:linear-gradient(160deg,#3a1150,#5c1f66);color:#fff;}
  .browser-body i.laptop-icon{font-size:1.6rem;color:var(--gold-400);margin-bottom:10px;}
  .browser-body h4{font-family:'Playfair Display',serif;font-size:1.15rem;margin:0 0 4px;color:#fff;}
  .browser-body span{font-size:.8rem;color:var(--gold-400);font-weight:600;display:block;margin-bottom:16px;}
  .gauge{height:8px;border-radius:999px;background:rgba(255,255,255,.18);overflow:hidden;margin-bottom:16px;}
  .gauge-fill{height:100%;width:72%;background:linear-gradient(90deg,var(--gold-400),var(--orange-500));border-radius:999px;}
  .plant-decor{position:absolute;bottom:-14px;right:-10px;font-size:2.2rem;color:var(--teal-600);}
  .eligibility-media{position:relative;}
  .check-list-3col{list-style:none;margin:18px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px 18px;}
  .check-list-3col li{display:flex;align-items:center;gap:8px;font-size:.86rem;color:var(--ink-700);}
  .check-list-3col i{color:var(--teal-600);font-size:.95rem;}
  .eligibility-cta{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:26px 22px;box-shadow:var(--shadow-sm);text-align:center;}
  .eligibility-cta .btn{width:100%;justify-content:center;margin-bottom:14px;}
  .fine-print{font-size:.72rem;color:var(--ink-500);margin:0;}
  @media (max-width:1100px){
    .eligibility-grid{grid-template-columns:1fr;}
    .check-list-3col{grid-template-columns:repeat(2,1fr);}
  }
  @media (max-width:480px){.check-list-3col{grid-template-columns:1fr;}}

  /* ===== ABOUT ===== */
  .about-grid{display:grid;grid-template-columns:.9fr 1.1fr .9fr;gap:40px;}
  .about-grid > div{border-right:1px solid var(--border);padding-right:36px;}
  .about-grid > div:last-child{border-right:none;padding-right:0;}
  .director-slider{
    position:relative;width:100%;max-width:280px;aspect-ratio:3/4;
    border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md);
    margin-bottom:20px;background:var(--lavender-50);
  }
  .director-slider .slide{
    position:absolute;inset:0;width:100%;height:100%;
    object-fit:cover;object-position:50% 14%;
    opacity:0;transition:opacity .7s ease;
  }
  .director-slider .slide.is-active{opacity:1;}
  .slider-dots{
    position:absolute;left:0;right:0;bottom:12px;
    display:flex;justify-content:center;gap:8px;
  }
  .slider-dot{
    width:9px;height:9px;padding:0;border-radius:50%;cursor:pointer;
    border:1.5px solid #fff;background:rgba(255,255,255,.35);
    box-shadow:0 1px 4px rgba(0,0,0,.35);
    transition:background .2s ease, transform .2s ease;
  }
  .slider-dot.is-active{background:var(--gold-400);transform:scale(1.25);}
  .director-name{font-weight:700;color:var(--maroon-900);margin-bottom:2px;}
  .director-title{font-size:.85rem;color:var(--ink-500);margin-bottom:14px;}
  .script-tagline{font-family:'Caveat',cursive;font-weight:700;font-size:1.3rem;color:var(--gold-600);margin-top:10px;}
  .disclaimer-box{
    background:var(--cream-100);border-left:3px solid var(--gold-500);
    border-radius:var(--radius-sm);padding:16px 18px;font-size:.84rem;color:var(--ink-700);margin-top:16px;
  }
  .who-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:16px;}
  .who-card{background:var(--lavender-50);border-radius:var(--radius-sm);padding:16px 10px;text-align:center;}
  .who-card i{font-size:1.3rem;color:var(--maroon-800);display:block;margin-bottom:8px;}
  .who-card span{font-size:.78rem;font-weight:500;color:var(--ink-700);}
  @media (max-width:980px){
    .about-grid{grid-template-columns:1fr;}
    .about-grid > div{border-right:none;padding-right:0;border-bottom:1px solid var(--border);padding-bottom:36px;}
    .about-grid > div:last-child{border-bottom:none;padding-bottom:0;}
  }

  /* ===== EMI CALCULATOR ===== */
  .emi{background:linear-gradient(180deg,var(--lavender-50),#fff);}
  .emi-head{text-align:center;max-width:780px;margin:0 auto 40px;}
  .emi-head .section-sub{margin-bottom:0;}
  .emi-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:start;}
  .emi-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm);}
  .emi-field{margin-bottom:28px;}
  .emi-field:last-child{margin-bottom:0;}
  .emi-label-row{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;flex-wrap:wrap;}
  .emi-label{font-weight:600;color:var(--maroon-900);font-size:.92rem;}
  .emi-input-wrap{
    display:flex;align-items:center;gap:4px;
    border:1px solid var(--border);background:var(--lavender-50);
    border-radius:var(--radius-sm);padding:6px 12px;
    font-weight:600;color:var(--maroon-900);
  }
  .emi-input-wrap:focus-within{border-color:var(--pink-600);box-shadow:0 0 0 3px rgba(198,35,104,.15);}
  .emi-input-wrap input{
    border:none;background:transparent;font:inherit;color:inherit;
    width:120px;text-align:right;outline:none;
    -moz-appearance:textfield;appearance:textfield;
  }
  .emi-input-wrap input::-webkit-outer-spin-button,
  .emi-input-wrap input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}
  .emi-input-wrap.sm input{width:70px;}
  .emi-field input[type=range]{width:100%;accent-color:var(--pink-600);cursor:pointer;margin:0;}
  .emi-scale{display:flex;justify-content:space-between;font-size:.72rem;color:var(--ink-500);margin-top:4px;}
  .emi-hint{font-size:.78rem;color:var(--ink-500);margin:8px 0 0;}
  .unit-toggle{display:inline-flex;border:1px solid var(--border);border-radius:999px;overflow:hidden;background:var(--lavender-50);}
  .unit-toggle button{
    border:none;background:transparent;font:inherit;font-size:.78rem;font-weight:600;
    padding:6px 14px;color:var(--ink-700);cursor:pointer;
  }
  .unit-toggle button[aria-pressed="true"]{background:var(--maroon-800);color:#fff;}

  .emi-result{
    background:linear-gradient(160deg,var(--maroon-900),#5c1f66);
    color:#fff;border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-md);
  }
  .emi-result-label{font-size:.82rem;color:rgba(255,255,255,.75);margin:0 0 2px;}
  .emi-result-value{font-family:'Playfair Display',serif;font-size:clamp(2.2rem,4vw,2.9rem);font-weight:700;color:var(--gold-400);line-height:1.15;margin:0 0 4px;word-break:break-word;}
  .emi-result-note{font-size:.78rem;color:rgba(255,255,255,.65);margin:0 0 22px;}
  .emi-donut-row{display:flex;align-items:center;gap:22px;margin-bottom:22px;flex-wrap:wrap;}
  .emi-donut{width:130px;height:130px;flex-shrink:0;}
  .emi-donut circle{fill:none;stroke-width:16;}
  .emi-donut .ring-interest{stroke:var(--gold-500);}
  .emi-donut .ring-principal{stroke:#fff;transition:stroke-dasharray .35s ease;}
  .emi-legend{list-style:none;margin:0;padding:0;font-size:.85rem;flex:1;min-width:150px;}
  .emi-legend li{display:flex;align-items:center;gap:8px;margin-bottom:12px;}
  .emi-legend li:last-child{margin-bottom:0;}
  .emi-legend .dot{width:11px;height:11px;border-radius:50%;flex-shrink:0;}
  .emi-legend strong{display:block;font-size:1rem;color:#fff;}
  .emi-legend span.k{color:rgba(255,255,255,.7);font-size:.76rem;display:block;}
  .emi-total{
    display:flex;justify-content:space-between;gap:12px;align-items:baseline;
    border-top:1px solid rgba(255,255,255,.18);padding-top:16px;margin-bottom:20px;font-size:.88rem;
  }
  .emi-total strong{font-size:1.15rem;color:#fff;}
  .emi-result .btn{width:100%;justify-content:center;}

  .emi-schedule{margin-top:28px;background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:6px 22px;}
  .emi-schedule summary{cursor:pointer;font-weight:600;color:var(--maroon-900);padding:16px 0;}
  .emi-table-wrap{max-height:340px;overflow:auto;margin-bottom:16px;border:1px solid var(--border);border-radius:var(--radius-sm);}
  .emi-table{width:100%;border-collapse:collapse;font-size:.85rem;min-width:460px;}
  .emi-table th,.emi-table td{padding:10px 14px;text-align:right;border-bottom:1px solid var(--border);}
  .emi-table th:first-child,.emi-table td:first-child{text-align:left;}
  .emi-table thead th{position:sticky;top:0;background:var(--lavender-50);color:var(--maroon-900);font-weight:600;}
  .emi-disclaimer{font-size:.76rem;color:var(--ink-500);text-align:center;max-width:780px;margin:22px auto 0;}

  .emi-info{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;margin-top:64px;align-items:start;}
  .emi-info h3{font-size:1.35rem;}
  .emi-formula{
    background:var(--cream-100);border-left:3px solid var(--gold-500);border-radius:var(--radius-sm);
    padding:16px 18px;font-size:.95rem;color:var(--maroon-900);font-weight:600;margin:14px 0;
  }
  .emi-info ul{padding-left:20px;margin:0 0 1em;font-size:.88rem;}
  .emi-faq details{background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:10px;padding:0 18px;}
  .emi-faq summary{cursor:pointer;font-weight:600;color:var(--maroon-900);font-size:.92rem;padding:14px 0;}
  .emi-faq details p{font-size:.86rem;color:var(--ink-700);padding-bottom:14px;margin:0;}

  @media (max-width:980px){
    .emi-grid,.emi-info{grid-template-columns:1fr;}
    .emi-info{margin-top:48px;}
  }
  @media (max-width:480px){
    .emi-card,.emi-result{padding:22px 18px;}
    .emi-input-wrap input{width:96px;}
  }

  /* ===== CTA BANNER ===== */
  .cta-banner{
    position:relative;overflow:hidden;padding:90px 0;text-align:center;
    background:linear-gradient(180deg,#3a1150 0%,#5c1f4f 55%,#c98a2c 130%);
    color:#fff;
  }
  .cta-banner::before{
    content:'';position:absolute;inset:0;
    background:linear-gradient(0deg, rgba(38,10,55,.55), transparent 60%);
  }
  .mountain-svg{position:absolute;bottom:0;left:0;width:100%;opacity:.5;}
  .cta-inner{position:relative;z-index:2;max-width:720px;margin:0 auto;}
  .cta-banner h2{color:#fff;font-size:clamp(1.7rem,3vw,2.3rem);}
  .cta-banner p{color:rgba(255,255,255,.85);max-width:56ch;margin:0 auto 28px;}
  .cta-outline-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-bottom:26px;}
  .cta-inner .btn-gold{padding:16px 34px;}

  /* ===== FOOTER ===== */
  .site-footer{background:var(--maroon-950);color:rgba(255,255,255,.78);padding:64px 0 0;font-size:.9rem;}
  .footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:36px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1);}
  .footer-brand .logo-name{color:#fff;}
  .footer-brand p{font-size:.82rem;color:rgba(255,255,255,.55);margin-top:10px;}
  .footer-col h4{color:#fff;font-family:'Poppins',sans-serif;font-size:.95rem;margin-bottom:16px;}
  .footer-col a{display:block;text-decoration:none;color:rgba(255,255,255,.7);margin-bottom:10px;font-size:.86rem;}
  .footer-col a:hover{color:var(--gold-400);}
  .footer-contact li{display:flex;align-items:flex-start;gap:10px;margin-bottom:12px;font-size:.86rem;list-style:none;}
  .footer-contact{padding:0;margin:0;}
  .footer-contact i{color:var(--gold-400);margin-top:3px;}
  .footer-contact a{display:inline;margin:0;color:rgba(255,255,255,.8);}
  .footer-contact a:hover{color:var(--gold-400);}
  .social-row{display:flex;gap:10px;margin-top:18px;}
  .social-btn{
    width:38px;height:38px;border-radius:50%;
    background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);
    display:flex;align-items:center;justify-content:center;
    color:#fff;font-size:1rem;text-decoration:none;
    transition:background .15s ease, transform .15s ease;
  }
  .social-btn:hover{background:var(--gold-500);color:var(--maroon-950);transform:translateY(-2px);}
  .footer-disclaimer{padding:26px 0;border-bottom:1px solid rgba(255,255,255,.1);}
  .footer-disclaimer p{font-size:.76rem;color:rgba(255,255,255,.5);margin:0;line-height:1.7;}
  .footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;padding:20px 0;font-size:.76rem;color:rgba(255,255,255,.45);}
  @media (max-width:900px){
    .footer-grid{grid-template-columns:1fr 1fr;}
  }
  @media (max-width:560px){
    .footer-grid{grid-template-columns:1fr;}
  }

  /* ===== SERVICE / GUIDE PAGES ===== */
  .breadcrumb{font-size:.8rem;color:var(--ink-500);padding:16px 0 0;}
  .breadcrumb a{color:var(--ink-500);text-decoration:none;}
  .breadcrumb a:hover{color:var(--orange-500);}
  .breadcrumb span[aria-current]{color:var(--maroon-900);font-weight:600;}

  .page-hero{background:linear-gradient(180deg,var(--cream-50),#fff 88%);padding:20px 0 56px;}
  .page-hero h1{font-size:clamp(2rem,3.6vw,2.9rem);max-width:20ch;}
  .page-hero .lede{font-size:1.05rem;max-width:64ch;color:var(--ink-700);}
  .page-hero .hero-ctas{margin-top:20px;}

  .locality-row{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;}
  .locality-chip{
    background:#fff;border:1px solid var(--border);color:var(--ink-700);
    font-size:.78rem;font-weight:500;padding:6px 14px;border-radius:999px;
  }

  .content-block{padding:56px 0;}
  .content-block h2{font-size:1.6rem;}
  .content-block--alt{background:var(--lavender-50);}
  .two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;}
  @media (max-width:900px){.two-col{grid-template-columns:1fr;}}

  .related-services{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:20px;}
  .related-card{
    background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);
    padding:16px;text-align:center;text-decoration:none;color:var(--maroon-900);
    font-size:.85rem;font-weight:600;transition:transform .15s ease, box-shadow .15s ease;
  }
  .related-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm);}
  .related-card i{display:block;font-size:1.3rem;margin-bottom:8px;color:var(--gold-600);}
  @media (max-width:900px){.related-services{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:480px){.related-services{grid-template-columns:1fr;}}

  .steps-list{list-style:none;margin:0;padding:0;counter-reset:step;}
  .steps-list li{
    counter-increment:step;position:relative;padding-left:44px;margin-bottom:16px;font-size:.92rem;color:var(--ink-700);
  }
  .steps-list li::before{
    content:counter(step);position:absolute;left:0;top:-2px;
    width:28px;height:28px;border-radius:50%;background:var(--maroon-900);color:#fff;
    font-family:'Playfair Display',serif;font-weight:700;font-size:.85rem;
    display:flex;align-items:center;justify-content:center;
  }
  .factor-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;}
  @media (max-width:700px){.factor-grid{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:420px){.factor-grid{grid-template-columns:1fr;}}
  .emi-teaser{text-align:center;max-width:720px;margin:0 auto;}
  .flat-insight{
    background:rgba(234,181,88,.14);border:1px solid rgba(234,181,88,.4);
    border-radius:var(--radius-sm);padding:14px 16px;margin:18px 0 0;
    font-size:.82rem;color:#fff;display:none;
  }
  .flat-insight.is-visible{display:block;}
  .flat-insight strong{color:var(--gold-400);}


/* ===== LEAD / ELIGIBILITY FORMS ===== */
.lead-form-section{padding:68px 0;background:linear-gradient(180deg,#fff,#fbf7fc);}
.lead-form-wrap{max-width:980px;margin:0 auto;background:#fff;border:1px solid rgba(75,26,74,.12);border-radius:22px;box-shadow:var(--shadow-md);padding:34px;}
.lead-form-head{text-align:center;max-width:720px;margin:0 auto 26px;}
.lead-form-head h2{margin-bottom:8px;}
.lead-form-head p{color:var(--ink-500);margin:0;}
.lead-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;}
.lead-form .field{display:flex;flex-direction:column;gap:7px;}
.lead-form .field.full{grid-column:1/-1;}
.lead-form label{font-size:.82rem;font-weight:600;color:var(--maroon-900);}
.lead-form input,.lead-form select{width:100%;padding:13px 14px;border:1px solid rgba(75,26,74,.18);border-radius:10px;background:#fff;color:var(--ink-900);font:inherit;outline:none;transition:border-color .15s ease,box-shadow .15s ease;}
.lead-form input:focus,.lead-form select:focus{border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(201,138,44,.12);}
.lead-form .form-note{grid-column:1/-1;font-size:.72rem;color:var(--ink-500);margin:-2px 0 0;line-height:1.55;}
.lead-form .form-submit{grid-column:1/-1;display:flex;justify-content:center;margin-top:4px;}
.lead-form .form-submit .btn{min-width:280px;}
.hero-offer-row{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 4px;}
.hero-offer{display:inline-flex;align-items:center;gap:7px;padding:8px 12px;border-radius:999px;background:#f7f0fa;border:1px solid rgba(75,26,74,.10);color:var(--maroon-900);font-size:.78rem;font-weight:600;}
.hero-offer i{color:var(--gold-600);}
.home-trust-section{padding:70px 0;background:#fff;}
.home-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:28px;}
.home-trust-card{padding:24px 20px;border:1px solid rgba(75,26,74,.10);border-radius:16px;background:linear-gradient(180deg,#fff,#fcf8fd);box-shadow:var(--shadow-sm);}
.home-trust-card i{font-size:1.45rem;color:var(--gold-600);margin-bottom:12px;}
.home-trust-card h3{font-size:1rem;margin-bottom:7px;}
.home-trust-card p{font-size:.82rem;color:var(--ink-500);margin:0;line-height:1.65;}
@media(max-width:900px){.home-trust-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:640px){.lead-form-wrap{padding:24px 18px;border-radius:16px;}.lead-form{grid-template-columns:1fr;gap:15px}.lead-form .field.full{grid-column:auto}.lead-form .form-note{grid-column:auto}.lead-form .form-submit{grid-column:auto}.lead-form .form-submit .btn{width:100%;min-width:0}.home-trust-grid{grid-template-columns:1fr}.hero-offer{font-size:.72rem}.hero-offer-row{gap:7px}}