/* ============================================================================
   SS Finance — front-end theme
   Palette: navy #0B2A4A + gold #C9A227 on white / #F5F7FA
   Type:    Poppins (display) + Inter (body)  [loaded in header]
   ========================================================================== */

:root {
  --navy:        #0B2A4A;
  --navy-800:    #0E3357;
  --navy-700:    #14406B;
  --navy-soft:   #EAF0F7;
  --gold:        #C9A227;
  --gold-600:    #B08E1E;
  --gold-soft:   #FBF4DD;
  --bg:          #FFFFFF;
  --bg-alt:      #F5F7FA;
  --ink:         #1A1A1A;
  --muted:       #667085;
  --line:        #E4E8EF;
  --radius:      14px;
  --radius-sm:   10px;
  --shadow-sm:   0 2px 8px rgba(11,42,74,.06);
  --shadow:      0 10px 30px rgba(11,42,74,.10);
  --shadow-lg:   0 20px 55px rgba(11,42,74,.16);
  --container:   1200px;
  --ease:        cubic-bezier(.4,.15,.2,1);
  color-scheme: light;
}

/* ---------- Base ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5, h6, .navbar-brand { font-family: 'Poppins', 'Inter', sans-serif; font-weight: 600; color: var(--navy); line-height: 1.2; }
a { color: var(--navy-700); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--gold-600); }
img { max-width: 100%; height: auto; }
.container { max-width: var(--container); }
.site-main { overflow-x: clip; }

/* ---------- Colour utilities (shared with markup) ---------- */
.text-navy { color: var(--navy) !important; }
.text-gold { color: var(--gold-600) !important; }
.bg-navy { background: var(--navy) !important; }
.bg-navy-soft { background: var(--navy-soft) !important; color: var(--navy) !important; }
.bg-gold { background: var(--gold) !important; }

/* ---------- Buttons ---------- */
.btn { font-weight: 600; border-radius: 999px; padding: .62rem 1.5rem; transition: all .22s var(--ease); border: 0; }
.btn-lg { padding: .8rem 2rem; font-size: 1.02rem; }
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 6px 18px rgba(201,162,39,.32); }
.btn-gold:hover, .btn-gold:focus { background: var(--gold-600); color: #fff; transform: translateY(-2px); box-shadow: 0 10px 24px rgba(201,162,39,.4); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-700); color: #fff; transform: translateY(-2px); }
.btn-outline-navy { border: 1.5px solid var(--navy); color: var(--navy); background: transparent; }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-outline-light { border: 1.5px solid rgba(255,255,255,.7); color: #fff; }
.btn-outline-light:hover { background: #fff; color: var(--navy); }

/* ---------- Top bar ---------- */
.top-bar { background: var(--navy); color: rgba(255,255,255,.86); font-size: .85rem; }
.top-bar a { color: rgba(255,255,255,.86); }
.top-bar a:hover { color: var(--gold); }
.top-contact span { margin-right: 1.25rem; white-space: nowrap; }
.top-contact i, .top-social i { color: var(--gold); }
.top-social a { display: inline-flex; width: 30px; height: 30px; align-items: center; justify-content: center; border-radius: 50%; }
.top-social a:hover { background: rgba(255,255,255,.12); }

/* ---------- Main nav ---------- */
.main-nav { background: #fff; box-shadow: var(--shadow-sm); padding: .55rem 0; transition: padding .25s var(--ease), box-shadow .25s var(--ease); z-index: 1030; }
.main-nav.is-scrolled { padding: .3rem 0; box-shadow: var(--shadow); }
.brand-logo { height: 86px; width: auto; transition: height .25s var(--ease); }
.main-nav.is-scrolled .brand-logo { height: 38px; }
.brand-text { font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 1.3rem; color: var(--navy); letter-spacing: -.01em; }
.brand-text small { display: block; font-size: .62rem; font-weight: 500; letter-spacing: .18em; color: var(--gold-600); text-transform: uppercase; }
.navbar-nav .nav-link { font-weight: 500; color: var(--navy); padding: .5rem 1rem; position: relative; }
.navbar-nav .nav-link::after { content: ''; position: absolute; left: 1rem; right: 1rem; bottom: .3rem; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease); }
.navbar-nav .nav-link:hover, .navbar-nav .nav-link.active { color: var(--gold-600); }
.navbar-nav .nav-link:hover::after, .navbar-nav .nav-link.active::after { transform: scaleX(1); }
.dropdown-menu { border: 0; box-shadow: var(--shadow); border-radius: var(--radius-sm); padding: .5rem; margin-top: .6rem; }
.dropdown-item { border-radius: 8px; padding: .5rem .85rem; font-weight: 500; }
.dropdown-item:hover { background: var(--navy-soft); color: var(--navy); }
.dropdown-item.active, .dropdown-item:active { background: var(--gold); color: var(--navy); }

/* ---------- Section rhythm ---------- */
.section { padding: 84px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { max-width: 720px; margin: 0 auto 52px; }
.section-eyebrow { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-600); margin-bottom: .6rem; }
.section-title { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 700; margin: 0; }
.section-head.text-center .section-title::after { content: ''; display: block; width: 56px; height: 3px; border-radius: 3px; background: var(--gold); margin: .9rem auto 0; }
.section-sub { color: var(--muted); margin-top: 1rem; margin-bottom: 0; font-size: 1.05rem; }

/* ---------- Hero (signature) ---------- */
.hero { position: relative; background: linear-gradient(120deg, var(--navy) 0%, var(--navy-800) 55%, var(--navy-700) 100%); color: #fff; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -30%; right: -12%; width: 620px; height: 620px; background: radial-gradient(circle, rgba(201,162,39,.22), transparent 62%); pointer-events: none; }
.hero::after { content: ''; position: absolute; bottom: -55%; left: -8%; width: 520px; height: 520px; border: 1.5px solid rgba(201,162,39,.16); border-radius: 50%; pointer-events: none; }
/*.hero .carousel, .hero .carousel-inner, .hero .carousel-item { min-height: 560px; }*/
.hero .carousel-item { display: flex; align-items: center; }
.hero-content { position: relative; z-index: 3; padding: 96px 0; max-width: 660px; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: .5rem; font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); background: rgba(201,162,39,.12); border: 1px solid rgba(201,162,39,.32); padding: .35rem .9rem; border-radius: 999px; margin-bottom: 1.3rem; }
.hero-title { color: #fff; font-size: clamp(2.1rem, 5vw, 3.5rem); font-weight: 700; letter-spacing: -.02em; margin-bottom: 1.1rem; }
.hero-title .accent { color: var(--gold); }
.hero-desc { color: rgba(255,255,255,.82); font-size: 1.12rem; margin-bottom: 2rem; max-width: 540px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .9rem; }
.hero .carousel-indicators { margin-bottom: 1.4rem; z-index: 4; }
.hero .carousel-indicators [data-bs-target] { width: 30px; height: 4px; border-radius: 4px; background: rgba(255,255,255,.4); border: 0; }
.hero .carousel-indicators .active { background: var(--gold); }
.hero .carousel-control-prev, .hero .carousel-control-next { width: 6%; opacity: .55; z-index: 4; }
.hero .carousel-control-prev:hover, .hero .carousel-control-next:hover { opacity: 1; }

/* ---------- Quick features strip ---------- */
.quick-features { position: relative; z-index: 5; margin-top: -46px; }
.qf-item { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 1.5rem; height: 100%; display: flex; gap: 1rem; align-items: flex-start; transition: transform .25s var(--ease); }
.qf-item:hover { transform: translateY(-4px); }
.qf-item .ci-icon { flex: 0 0 auto; width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; font-size: 1.4rem; background: var(--navy-soft); color: var(--navy); }
.qf-item h5 { margin: 0 0 .2rem; font-size: 1.05rem; }
.qf-item p { margin: 0; color: var(--muted); font-size: .92rem; }

/* ---------- Product cards ---------- */
.product-card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem 1.6rem; height: 100%; overflow: hidden; transition: transform .28s var(--ease), box-shadow .28s var(--ease), border-color .28s var(--ease); }
.product-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease); }
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.product-card:hover::before { transform: scaleX(1); }
.product-icon { width: 64px; height: 64px; border-radius: 16px; display: grid; place-items: center; font-size: 1.9rem; background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: var(--gold); margin-bottom: 1.2rem; transition: transform .3s var(--ease); }
.product-card:hover .product-icon { transform: rotate(-6deg) scale(1.05); }
.product-card h4 { font-size: 1.22rem; margin-bottom: .5rem; }
.product-card p { color: var(--muted); font-size: .94rem; margin-bottom: 1rem; }
.product-rate { font-weight: 600; color: var(--gold-600); font-size: .9rem; margin-bottom: 1rem; }
.product-meta { display: flex; flex-wrap: wrap; gap: .4rem 1rem; font-size: .82rem; color: var(--muted); margin-bottom: 1.1rem; }
.product-link { font-weight: 600; color: var(--navy); display: inline-flex; align-items: center; gap: .4rem; }
.product-link i { transition: transform .2s var(--ease); }
.product-link:hover i { transform: translateX(4px); }
.rate-badge { display: inline-block; background: var(--gold-soft); color: var(--gold-600); font-weight: 600; font-size: .82rem; padding: .3rem .8rem; border-radius: 999px; }

/* product detail */
.product-detail-head { background: var(--navy); color: #fff; }
.product-card-lg { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2.4rem; box-shadow: var(--shadow-sm); }
.product-card-lg h1, .product-card-lg h2 { color: var(--navy); }

/* ---------- Stats ---------- */
.stats-section { background: linear-gradient(120deg, var(--navy), var(--navy-800)); color: #fff; position: relative; overflow: hidden; }
.stats-section::after { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at 80% 20%, rgba(201,162,39,.14), transparent 55%); }
.stat { text-align: center; position: relative; z-index: 2; padding: 1rem 0; }
.stat-num { font-family: 'Poppins', sans-serif; font-size: clamp(2.2rem, 5vw, 3.2rem); font-weight: 700; color: var(--gold); line-height: 1; }
.stat-plus { font-size: 1.6rem; font-weight: 700; color: var(--gold); }
.stat p { margin: .4rem 0 0; color: rgba(255,255,255,.8); font-size: .95rem; }

/* ---------- About / value cards ---------- */
.value-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.7rem; height: 100%; transition: transform .25s var(--ease), box-shadow .25s var(--ease); }
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.value-card .ci-icon { width: 52px; height: 52px; border-radius: 13px; display: grid; place-items: center; font-size: 1.5rem; background: var(--gold-soft); color: var(--gold-600); margin-bottom: 1rem; }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 2rem; margin-bottom: .8rem; color: #33404f; }
.check-list li i { position: absolute; left: 0; top: .25rem; color: var(--gold-600); }

/* ---------- EMI calculator ---------- */
.emi-section { background: var(--bg-alt); }
.emi-card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 2.4rem; }
.emi-field { margin-bottom: 1.6rem; }
.emi-field label { font-weight: 600; color: var(--navy); display: block; margin-bottom: .3rem; }
.emi-value { font-family: 'Poppins', sans-serif; font-weight: 600; color: var(--gold-600); font-size: 1.15rem; margin-bottom: .5rem; }
.form-range { accent-color: var(--gold); }
.form-range::-webkit-slider-thumb { background: var(--navy); }
.form-range::-moz-range-thumb { background: var(--navy); }
.emi-result { background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: #fff; border-radius: var(--radius); padding: 2rem; height: 100%; text-align: center; display: flex; flex-direction: column; justify-content: center; }
.emi-result-label { color: rgba(255,255,255,.75); margin: 0 0 .3rem; font-size: .9rem; }
.emi-result-value { font-family: 'Poppins', sans-serif; font-size: 2.4rem; font-weight: 700; color: var(--gold); margin-bottom: 1.2rem; }
.emi-breakdown { text-align: left; border-top: 1px solid rgba(255,255,255,.15); padding-top: 1rem; }
.emi-breakdown > div { display: flex; justify-content: space-between; padding: .35rem 0; font-size: .92rem; }
.emi-breakdown span { color: rgba(255,255,255,.7); }
.emi-breakdown strong { color: #fff; }

/* ---------- Testimonials ---------- */
.testimonials-section { background: var(--bg-alt); }
.testi-card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 2.2rem; text-align: center; max-width: 760px; margin: 0 auto; position: relative; }
.testi-card::before { content: '\201C'; font-family: Georgia, serif; position: absolute; top: -6px; left: 28px; font-size: 5rem; color: var(--gold); opacity: .28; line-height: 1; }
.testi-stars { color: var(--gold); margin-bottom: 1rem; letter-spacing: .1em; }
.testi-msg { font-size: 1.12rem; color: #33404f; font-style: italic; margin-bottom: 1.4rem; }
.testi-avatar { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; margin: 0 auto .7rem; border: 3px solid var(--gold-soft); }
.testi-person strong { display: block; color: var(--navy); }
.testi-person span { color: var(--muted); font-size: .88rem; }

/* ---------- Blog ---------- */
.blog-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; height: 100%; transition: transform .25s var(--ease), box-shadow .25s var(--ease); }
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.blog-thumb { aspect-ratio: 16/10; object-fit: cover; width: 100%; }
.blog-body { padding: 1.5rem; }
.blog-cat { display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-600); margin-bottom: .5rem; }
.blog-card h3, .blog-card h4 { font-size: 1.18rem; margin-bottom: .5rem; }
.blog-meta { color: var(--muted); font-size: .82rem; display: flex; gap: 1rem; margin-top: 1rem; }
.blog-sidebar .sidebar-card { margin-bottom: 1.8rem; }
.sidebar-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.sidebar-title { font-size: 1.05rem; margin-bottom: 1rem; padding-bottom: .6rem; border-bottom: 2px solid var(--gold); display: inline-block; }
.sidebar-cats { list-style: none; padding: 0; margin: 0; }
.sidebar-cats li a { display: flex; justify-content: space-between; padding: .5rem 0; border-bottom: 1px dashed var(--line); color: #33404f; }
.sidebar-cats li a:hover { color: var(--gold-600); padding-left: .4rem; }
.sidebar-recent a { display: flex; gap: .8rem; padding: .6rem 0; border-bottom: 1px dashed var(--line); color: var(--navy); }
.sidebar-recent img { width: 60px; height: 48px; object-fit: cover; border-radius: 8px; flex: 0 0 auto; }
.sidebar-cta { background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: #fff; text-align: center; }
.sidebar-cta .sidebar-title { color: #fff; border-color: var(--gold); }

/* ---------- Inner page hero + breadcrumb ---------- */
.page-hero { background: linear-gradient(120deg, var(--navy), var(--navy-800)); color: #fff; padding: 72px 0; position: relative; overflow: hidden; }
.page-hero::after { content: ''; position: absolute; top: -40%; right: -6%; width: 420px; height: 420px; background: radial-gradient(circle, rgba(201,162,39,.18), transparent 62%); }
.page-hero-title { color: #fff; font-size: clamp(1.9rem, 4vw, 2.8rem); position: relative; z-index: 2; }
.page-hero-sub { color: rgba(255,255,255,.8); position: relative; z-index: 2; margin-top: .5rem; }
.page-crumb { position: relative; z-index: 2; margin-top: 1rem; }
.page-crumb .breadcrumb { margin: 0; }
.page-crumb .breadcrumb-item, .page-crumb .breadcrumb-item a { color: rgba(255,255,255,.7); }
.page-crumb .breadcrumb-item.active { color: var(--gold); }
.page-crumb .breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,.4); }

/* ---------- CMS / post content ---------- */
.cms-content, .post-content { color: #33404f; font-size: 1.04rem; }
.cms-content h2, .post-content h2 { margin: 1.8rem 0 .8rem; }
.cms-content h3, .post-content h3, .cms-content h4, .post-content h4 { margin: 1.4rem 0 .6rem; }
.cms-content p, .post-content p { margin-bottom: 1.1rem; }
.cms-content ul, .post-content ul { padding-left: 1.3rem; margin-bottom: 1.1rem; }
.cms-content img, .post-content img { border-radius: var(--radius-sm); margin: 1rem 0; }
.two-col { columns: 2; column-gap: 2.5rem; }
.post-hero { aspect-ratio: 16/7; object-fit: cover; width: 100%; border-radius: var(--radius); margin-bottom: 1.8rem; }
.post-title { font-size: clamp(1.8rem, 4vw, 2.6rem); }
.post-meta { color: var(--muted); font-size: .9rem; display: flex; flex-wrap: wrap; gap: 1.2rem; margin: 1rem 0 1.6rem; }
.post-share { display: flex; gap: .6rem; align-items: center; margin-top: 2rem; padding-top: 1.4rem; border-top: 1px solid var(--line); }
.post-share a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--navy-soft); color: var(--navy); }
.post-share a:hover { background: var(--gold); color: var(--navy); }

/* ---------- Gallery ---------- */
.gallery-filter { display: flex; flex-wrap: wrap; gap: .5rem; justify-content: center; }
.btn-filter { border: 1.5px solid var(--line); background: #fff; color: var(--navy); border-radius: 999px; padding: .45rem 1.25rem; font-weight: 500; font-size: .9rem; }
.btn-filter:hover { border-color: var(--gold); color: var(--gold-600); }
.btn-filter.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.gallery-item { display: block; border-radius: var(--radius); overflow: hidden; position: relative; aspect-ratio: 4/3; box-shadow: var(--shadow-sm); }
.gallery-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s var(--ease); }
.gallery-item:hover img { transform: scale(1.08); }
.gallery-item::after { content: '\F4FE'; font-family: 'bootstrap-icons'; position: absolute; inset: 0; display: grid; place-items: center; font-size: 1.6rem; color: #fff; background: rgba(11,42,74,.55); opacity: 0; transition: opacity .3s var(--ease); }
.gallery-item:hover::after { opacity: 1; }
.gallery-caption { position: absolute; left: 0; right: 0; bottom: 0; z-index: 2; padding: 1rem; color: #fff; background: linear-gradient(transparent, rgba(11,42,74,.85)); font-weight: 500; }

/* ---------- Team ---------- */
.team-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; text-align: center; height: 100%; transition: transform .25s var(--ease), box-shadow .25s var(--ease); }
.team-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.team-photo { aspect-ratio: 1/1; object-fit: cover; width: 100%; }
.team-card h5 { margin: 1rem 0 .1rem; }
.team-role { color: var(--gold-600); font-weight: 600; font-size: .9rem; }
.team-bio { color: var(--muted); font-size: .88rem; padding: 0 1.2rem; }
.team-social { display: flex; gap: .5rem; justify-content: center; padding: 1rem 0 1.4rem; }
.team-social a { width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; background: var(--navy-soft); color: var(--navy); }
.team-social a:hover { background: var(--gold); color: var(--navy); }

/* ---------- FAQ ---------- */
.accordion { --bs-accordion-border-color: var(--line); --bs-accordion-btn-focus-box-shadow: 0 0 0 .2rem rgba(201,162,39,.25); }
.accordion-item { border-radius: var(--radius-sm) !important; overflow: hidden; margin-bottom: .7rem; border: 1px solid var(--line); }
.accordion-button { font-weight: 600; color: var(--navy); background: #fff; }
.accordion-button:not(.collapsed) { color: var(--navy); background: var(--navy-soft); box-shadow: none; }
.accordion-button:not(.collapsed)::after { filter: sepia(1) saturate(4) hue-rotate(5deg); }
.accordion-button:focus { border-color: var(--gold); }

/* ---------- Contact ---------- */
.contact-info { list-style: none; padding: 0; margin: 0; }
.contact-info li { display: flex; gap: 1rem; margin-bottom: 1.4rem; }
.contact-info .ci-icon { flex: 0 0 auto; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--navy-soft); color: var(--navy); font-size: 1.2rem; }
.contact-info strong { display: block; color: var(--navy); }
.contact-info span, .contact-info a { color: var(--muted); }
.map-embed iframe { width: 100%; border: 0; border-radius: var(--radius); min-height: 320px; }

/* ---------- Forms (enquiry) ---------- */
.enquiry-form .form-label { font-weight: 500; color: var(--navy); font-size: .92rem; margin-bottom: .3rem; }
.enquiry-form .form-control, .enquiry-form .form-select { border: 1.5px solid var(--line); border-radius: var(--radius-sm); padding: .6rem .85rem; }
.enquiry-form .form-control:focus, .enquiry-form .form-select:focus { border-color: var(--gold); box-shadow: 0 0 0 .2rem rgba(201,162,39,.18); }
.req { color: #d64545; }
.form-consent { font-size: .78rem; color: var(--muted); margin: .8rem 0 0; text-align: center; }
.sidebar-card .enquiry-form .form-label { font-size: .85rem; }

/* ---------- CTA strip ---------- */
.cta-strip { background: linear-gradient(120deg, var(--gold), var(--gold-600)); color: var(--navy); padding: 3rem 0; }
.cta-strip h3 { color: var(--navy); font-size: clamp(1.4rem, 3vw, 2rem); margin: 0; }
.cta-strip p { color: rgba(11,42,74,.78); margin: .4rem 0 0; }
.cta-strip .btn-navy { box-shadow: 0 8px 22px rgba(11,42,74,.28); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.72); padding: 68px 0 0; }
.footer-logo { height: 44px; margin-bottom: 1rem; }
.footer-brand .brand-text { color: #fff; }
.footer-about { font-size: .92rem; line-height: 1.7; }
.footer-title { color: #fff; font-size: 1.05rem; margin-bottom: 1.2rem; position: relative; padding-bottom: .6rem; }
.footer-title::after { content: ''; position: absolute; left: 0; bottom: 0; width: 36px; height: 2px; background: var(--gold); }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .6rem; }
.footer-links a { color: rgba(255,255,255,.72); font-size: .92rem; }
.footer-links a:hover { color: var(--gold); padding-left: .3rem; }
.footer-contact li { display: flex; gap: .7rem; margin-bottom: .8rem; font-size: .92rem; }
.footer-contact i { color: var(--gold); margin-top: .2rem; }
.footer-social { display: flex; gap: .6rem; margin-top: 1.2rem; }
.footer-social a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.08); color: #fff; }
.footer-social a:hover { background: var(--gold); color: var(--navy); transform: translateY(-3px); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 56px; padding: 1.4rem 0; font-size: .85rem; }
.footer-disclaimer { font-size: .78rem; color: rgba(255,255,255,.5); padding-bottom: 1.4rem; }

/* ---------- Floating actions ---------- */
.whatsapp-float { position: fixed; right: 20px; bottom: 20px; width: 54px; height: 54px; border-radius: 50%; background: #25D366; color: #fff; display: grid; place-items: center; font-size: 1.6rem; box-shadow: 0 8px 22px rgba(37,211,102,.5); z-index: 1040; transition: transform .25s var(--ease); }
.whatsapp-float:hover { transform: scale(1.1); color: #fff; }
.scroll-top { position: fixed; right: 20px; bottom: 84px; width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: #fff; border: 0; display: grid; place-items: center; opacity: 0; visibility: hidden; transform: translateY(10px); transition: all .25s var(--ease); z-index: 1040; }
.scroll-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.scroll-top:hover { background: var(--gold); color: var(--navy); }

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .section { padding: 60px 0; }
 
  .hero-content { padding: 64px 0; }
  .navbar-nav .nav-link::after { display: none; }
  .navbar-collapse { background: #fff; border-radius: var(--radius-sm); padding: 1rem; margin-top: .6rem; box-shadow: var(--shadow); }
  .two-col { columns: 1; }
  .top-bar { display: none !important; }
}
@media (max-width: 575.98px) {
  .section { padding: 48px 0; }
  .emi-card, .emi-result { padding: 1.5rem; }
}

/* ============================================================================
   PREMIUM NAV — mega-menu dropdowns (Loans / Insurance) + subtle nav polish
   ========================================================================== */
.navbar-nav .nav-link { border-radius: 999px; }
.navbar-nav .nav-link:hover, .navbar-nav .nav-link.active { background: var(--navy-soft); }
.navbar-nav .nav-item.dropdown.show > .nav-link { background: var(--navy-soft); color: var(--gold-600); }
.main-nav { border-top: 3px solid transparent; border-image: linear-gradient(90deg, var(--navy), var(--gold), var(--navy)) 1; }

.dropdown-menu-mega { padding: 1rem 1rem .6rem; border-top: 3px solid var(--gold); }
@media (min-width: 992px) {
  .dropdown-menu-mega { min-width: 460px; }
  .mega-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .3rem .5rem; }
}
.mega-grid { display: flex; flex-direction: column; gap: .2rem; }
.mega-item { display: flex; align-items: flex-start; gap: .7rem; padding: .6rem .65rem; border-radius: 10px; color: inherit; transition: background .18s var(--ease), transform .18s var(--ease); }
.mega-item:hover { background: var(--navy-soft); transform: translateX(2px); }
.mega-icon { flex: 0 0 auto; width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; font-size: 1.05rem; background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: var(--gold); }
.mega-text { display: flex; flex-direction: column; min-width: 0; }
.mega-title { font-weight: 600; font-size: .92rem; color: var(--navy); }
.mega-sub { font-size: .78rem; color: var(--muted); line-height: 1.3; white-space: normal; }
.mega-viewall { display: flex; align-items: center; justify-content: space-between; gap: .5rem; margin-top: .5rem; padding: .7rem .65rem .5rem; border-top: 1px dashed var(--line); font-weight: 600; font-size: .85rem; color: var(--gold-600); }
.mega-viewall:hover { color: var(--gold-600); }
.mega-viewall i { transition: transform .2s var(--ease); }
.mega-viewall:hover i { transform: translateX(4px); }

/* ---------- A11y ---------- */
a:focus-visible, button:focus-visible, .btn:focus-visible, .form-control:focus-visible, .nav-link:focus-visible { outline: 3px solid rgba(201,162,39,.55); outline-offset: 2px; }
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: .001ms !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
}