/* =====================================================
   Sri Vishnu Vilas SPSSN — Revamped Website Styles
   Brand: Royal Blue #0D2B6E | Gold #C9940A | Cream #F9F5ED | Emerald #1A6B3C
   ===================================================== */

/* ===== CSS VARIABLES ===== */
:root {
  --royal: #0D2B6E;
  --royal-dark: #091f52;
  --royal-light: #1a3d8a;
  --gold: #C9940A;
  --gold-light: #e8ad20;
  --gold-pale: #fdf3dc;
  --cream: #F9F5ED;
  --emerald: #1A6B3C;
  --emerald-dark: #145530;
  --white: #ffffff;
  --text-dark: #1a1a2e;
  --text-mid: #4a4a68;
  --text-light: #7a7a9a;
  --border: #e8eaf2;
  --bg-cream: #F9F5ED;
  --bg-light: #f4f6fb;
  --shadow-xs: 0 1px 4px rgba(13,43,110,.06);
  --shadow-sm: 0 2px 12px rgba(13,43,110,.09);
  --shadow-md: 0 6px 24px rgba(13,43,110,.13);
  --shadow-lg: 0 14px 48px rgba(13,43,110,.18);
  --grad-royal: linear-gradient(135deg,#091f52 0%,#0D2B6E 60%,#1a3d8a 100%);
  --grad-gold: linear-gradient(135deg,#b07e06 0%,#C9940A 50%,#e8ad20 100%);
  --grad-emerald: linear-gradient(135deg,#145530 0%,#1A6B3C 100%);
  --grad-cream: linear-gradient(135deg,#F9F5ED 0%,#f0ead8 100%);
  --transition: all .3s cubic-bezier(.4,0,.2,1);
  --radius: 16px;
  --radius-lg: 24px;
}

/* ===== RESET ===== */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; font-size:16px; }
body { font-family:'Poppins',sans-serif; color:var(--text-dark); line-height:1.6; overflow-x:hidden; background:var(--white); }
img { max-width:100%; display:block; }
a { text-decoration:none; color:inherit; }
button { font-family:'Poppins',sans-serif; cursor:pointer; border:none; background:none; }
ul { list-style:none; }

.container { max-width:1240px; margin:0 auto; padding:0 24px; }

/* ===== SKIP LINK ===== */
.skip-link {
  position:absolute; top:-60px; left:16px; background:var(--royal); color:#fff;
  padding:10px 18px; border-radius:0 0 8px 8px; z-index:99999; font-size:14px; font-weight:600;
  transition:top .2s;
}
.skip-link:focus { top:0; }

/* ===== LOTUS BG PATTERN ===== */
.lotus-bg {
  position:absolute; inset:0; pointer-events:none; overflow:hidden; z-index:0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' opacity='0.035'%3E%3Ccircle cx='60' cy='60' r='25' stroke='%230D2B6E' stroke-width='1.5' fill='none'/%3E%3Ccircle cx='60' cy='60' r='40' stroke='%230D2B6E' stroke-width='1' fill='none'/%3E%3Ccircle cx='60' cy='60' r='55' stroke='%230D2B6E' stroke-width='.5' fill='none'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(45 60 60)'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(90 60 60)'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(135 60 60)'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(180 60 60)'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(225 60 60)'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(270 60 60)'/%3E%3Cpath d='M60 35 Q70 50 60 60 Q50 50 60 35Z' fill='%230D2B6E' transform='rotate(315 60 60)'/%3E%3C/svg%3E");
  background-size:120px 120px;
}

/* ===== PRELOADER ===== */
.preloader {
  position:fixed; inset:0; background:var(--grad-royal); display:flex;
  align-items:center; justify-content:center; z-index:99999;
  transition:opacity .6s ease, visibility .6s ease;
}
.preloader.hidden { opacity:0; visibility:hidden; }
.preloader-inner { text-align:center; }
.preloader-logo { width:100px; height:100px; object-fit:contain; margin:0 auto 20px; animation:preloadPulse 1.4s ease-in-out infinite; border-radius:50%; border:3px solid var(--gold); }
.preloader-bar { width:200px; height:4px; background:rgba(255,255,255,.2); border-radius:2px; margin:16px auto; overflow:hidden; }
.preloader-fill { height:100%; background:var(--grad-gold); border-radius:2px; animation:preloadFill 1.5s ease forwards; }
.preloader-inner p { color:rgba(255,255,255,.8); font-size:16px; font-family:'Playfair Display',serif; }
@keyframes preloadPulse { 0%,100%{transform:scale(1)} 50%{transform:scale(1.08)} }
@keyframes preloadFill { 0%{width:0} 100%{width:100%} }

/* ===== UTILITY BAR ===== */
.utility-bar {
  background:var(--royal-dark); color:rgba(255,255,255,.85);
  font-size:12.5px; padding:7px 0; position:sticky; top:0; z-index:1001;
}
.utility-inner { max-width:100%; margin:0 auto; padding:0 24px; display:flex; align-items:center; justify-content:space-between; gap:12px; flex-wrap:wrap; }
.utility-left { display:flex; align-items:center; gap:20px; }
.utility-left span { display:flex; align-items:center; gap:6px; }
.utility-left i { color:var(--gold); }
.utility-right { display:flex; align-items:center; gap:14px; }
.branch-selector { display:flex; align-items:center; gap:6px; }
.branch-selector i { color:var(--gold); }
.branch-selector select { background:rgba(255,255,255,.1); border:1px solid rgba(255,255,255,.2); color:rgba(255,255,255,.9); padding:4px 8px; border-radius:6px; font-size:12px; font-family:'Poppins',sans-serif; cursor:pointer; }
.branch-selector select option { background:var(--royal-dark); color:white; }
.lang-toggle { display:flex; gap:4px; }
.lang-btn { background:transparent; border:1px solid rgba(255,255,255,.25); color:rgba(255,255,255,.8); padding:3px 10px; border-radius:4px; font-size:11.5px; font-weight:600; transition:var(--transition); }
.lang-btn.active, .lang-btn:hover { background:var(--gold); border-color:var(--gold); color:var(--royal-dark); }
.member-login-btn { background:var(--gold); color:var(--royal-dark); padding:5px 14px; border-radius:20px; font-size:12px; font-weight:700; display:flex; align-items:center; gap:6px; transition:var(--transition); }
.member-login-btn:hover { background:var(--gold-light); transform:translateY(-1px); }

/* ===== NAVBAR ===== */
.navbar {
  position:sticky; top:37px; z-index:1000; background:var(--white);
  box-shadow:var(--shadow-sm); transition:var(--transition);
}
.navbar.scrolled { box-shadow:var(--shadow-md); }
.nav-container { max-width:100%; margin:0; padding:10px 24px; display:flex; align-items:center; justify-content:space-between; }
.logo { display:flex; align-items:center; gap:14px; }
.logo-img { width:72px; height:64px; object-fit:contain; border-radius:10px; }
.logo-text { display:flex; flex-direction:column; }
.logo-main { font-family:'Playfair Display',serif; font-size:18px; font-weight:800; color:var(--royal); line-height:1.1; }
.logo-sub { font-size:11px; font-weight:600; color:var(--text-mid); line-height:1.3; }
.logo-kn { font-size:10px; color:var(--gold); font-weight:500; line-height:1.3; }
.nav-menu { display:flex; align-items:center; gap:4px; }
.nav-link { font-size:13.5px; font-weight:500; color:var(--text-dark); padding:6px 10px; border-radius:8px; transition:var(--transition); position:relative; white-space:nowrap; }
.nav-link::after { content:''; position:absolute; bottom:2px; left:50%; right:50%; height:2px; background:var(--gold); border-radius:1px; transition:var(--transition); }
.nav-link:hover, .nav-link.active { color:var(--royal); }
.nav-link:hover::after, .nav-link.active::after { left:10%; right:10%; }
.nav-cta { background:var(--grad-emerald); color:var(--white) !important; padding:8px 18px; border-radius:20px; font-size:13px; font-weight:600; display:flex; align-items:center; gap:7px; transition:var(--transition); margin-left:6px; }
.nav-cta:hover { transform:translateY(-2px); box-shadow:0 6px 20px rgba(26,107,60,.35); }
.nav-cta::after { display:none; }
.hamburger { display:none; flex-direction:column; gap:5px; padding:4px; z-index:1001; }
.hamburger span { display:block; width:24px; height:2.5px; background:var(--royal); border-radius:2px; transition:var(--transition); }
.hamburger.active span:nth-child(1) { transform:rotate(45deg) translate(5px,5px); }
.hamburger.active span:nth-child(2) { opacity:0; transform:translateX(-8px); }
.hamburger.active span:nth-child(3) { transform:rotate(-45deg) translate(5px,-5px); }
.nav-social-mobile { display:none; }

/* ===== BUTTONS ===== */
.btn { display:inline-flex; align-items:center; gap:9px; padding:13px 28px; border-radius:30px; font-size:15px; font-weight:600; transition:var(--transition); border:2px solid transparent; cursor:pointer; }
.btn-emerald { background:var(--grad-emerald); color:var(--white); }
.btn-emerald:hover { transform:translateY(-3px); box-shadow:0 10px 30px rgba(26,107,60,.35); }
.btn-gold { background:var(--grad-gold); color:var(--royal-dark); }
.btn-gold:hover { transform:translateY(-3px); box-shadow:0 10px 30px rgba(201,148,10,.4); }
.btn-royal { background:var(--grad-royal); color:var(--white); }
.btn-royal:hover { transform:translateY(-3px); box-shadow:0 10px 30px rgba(13,43,110,.35); }
.btn-gold-outline { background:transparent; color:var(--gold); border-color:var(--gold); }
.btn-gold-outline:hover { background:var(--gold); color:var(--royal-dark); transform:translateY(-3px); }
.btn-outline-royal { background:transparent; color:var(--royal); border-color:var(--royal); padding:11px 22px; }
.btn-outline-royal:hover { background:var(--royal); color:white; }
.btn-royal-sm { background:var(--grad-royal); color:var(--white); padding:9px 20px; font-size:13px; border-radius:20px; }
.btn-royal-sm:hover { transform:translateY(-2px); box-shadow:var(--shadow-md); }
.btn-gold-sm { background:var(--grad-gold); color:var(--royal-dark); padding:9px 20px; font-size:13px; border-radius:20px; font-weight:600; }
.btn-gold-sm:hover { transform:translateY(-2px); }
.btn-link { background:none; border:none; color:var(--royal); font-weight:600; display:inline-flex; align-items:center; gap:6px; font-size:14px; transition:var(--transition); cursor:pointer; padding:0; }
.btn-link:hover { gap:10px; color:var(--emerald); }
/* Ripple effect */
.btn { position:relative; overflow:hidden; }
.btn::after { content:''; position:absolute; width:0; height:0; background:rgba(255,255,255,.25); border-radius:50%; top:50%; left:50%; transform:translate(-50%,-50%); transition:width .5s, height .5s, opacity .5s; opacity:0; }
.btn:active::after { width:200px; height:200px; opacity:1; transition:0s; }

/* ===== SECTION COMMONS ===== */
section { padding:90px 0; position:relative; }
.section-header { text-align:center; margin-bottom:60px; }
.section-badge { display:inline-block; padding:6px 18px; background:rgba(13,43,110,.08); color:var(--royal); border-radius:20px; font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:1.5px; margin-bottom:14px; }
.section-badge-light { background:rgba(255,255,255,.2); color:var(--white); }
.section-title { font-family:'Playfair Display',serif; font-size:40px; font-weight:800; color:var(--text-dark); margin-bottom:14px; line-height:1.2; }
.section-subtitle { font-size:17px; color:var(--text-light); max-width:580px; margin:0 auto; }
.sub-section-title { font-family:'Playfair Display',serif; font-size:24px; font-weight:700; color:var(--royal); margin-bottom:30px; display:flex; align-items:center; gap:10px; }
.sub-section-title i { color:var(--gold); }

/* ===== HERO ===== */
.hero {
  background:var(--grad-royal); min-height:calc(100vh - 125px); display:flex; flex-direction:column;
  position:relative; overflow:hidden;
}
.hero-bg-pattern {
  position:absolute; inset:0; pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80' opacity='0.06'%3E%3Ccircle cx='40' cy='40' r='30' stroke='%23C9940A' stroke-width='1' fill='none'/%3E%3C/svg%3E");
  background-size:80px 80px;
}
.hero-content { flex:1; display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; align-content:center; max-width:1240px; margin:0 auto; padding:0 24px 24px; width:100%; }
/* ===== HERO FLOATING CARDS ===== */
.hero-image { position:relative; display:flex; align-items:center; justify-content:center; height:380px; }
.hero-image::before { content:''; position:absolute; width:300px; height:300px; border-radius:50%; background:rgba(255,255,255,.05); border:2px solid rgba(255,255,255,.1); }
.hero-image::after  { content:''; position:absolute; width:220px; height:220px; border-radius:50%; background:rgba(255,255,255,.04); border:1px solid rgba(255,255,255,.08); }
.hero-center-icon { position:absolute; width:100px; height:100px; border-radius:50%; background:rgba(255,255,255,.1); border:2px solid rgba(255,255,255,.22); display:flex; align-items:center; justify-content:center; z-index:2; }
.hero-center-icon i { font-size:44px; color:rgba(255,255,255,.9); }
.floating-card { position:absolute; background:var(--white); padding:16px 20px; border-radius:16px; box-shadow:0 12px 40px rgba(0,0,0,.22); text-align:center; min-width:138px; z-index:3; border-top:3px solid var(--gold); }
.floating-card i { font-size:26px; color:var(--royal); margin-bottom:7px; display:block; }
.floating-card h4 { font-size:13px; font-weight:700; color:var(--text-dark); margin-bottom:3px; }
.floating-card p { font-size:11.5px; color:var(--text-light); margin:0; }
.card-1 { top:30px; left:0; animation:floatCard 3s ease-in-out infinite; }
.card-2 { top:50%; right:-10px; animation:floatCardMid 3s ease-in-out 1s infinite; }
.card-3 { bottom:30px; left:20px; animation:floatCard 3s ease-in-out 2s infinite; }
@keyframes floatCard    { 0%,100%{transform:translateY(0)}        50%{transform:translateY(-12px)} }
@keyframes floatCardMid { 0%,100%{transform:translateY(-50%)}     50%{transform:translateY(calc(-50% - 12px))} }

.hero-badge { display:inline-flex; align-items:center; gap:8px; background:rgba(201,148,10,.2); border:1px solid rgba(201,148,10,.4); color:var(--gold-light); padding:7px 16px; border-radius:20px; font-size:13px; font-weight:600; margin-bottom:20px; }
.hero-badge i { color:var(--gold); }
.hero-title { font-family:'Playfair Display',serif; font-weight:800; line-height:1.1; margin-bottom:18px; }
.hero-title-line1 { display:block; font-size:52px; color:var(--white); }
.hero-title-line2 { display:block; font-size:36px; color:var(--gold); }
.hero-title-line3 { display:block; font-size:32px; color:rgba(255,255,255,.75); }
.hero-tagline { font-size:15px; color:var(--gold-light); margin-bottom:12px; font-style:italic; }
.hero-desc { font-size:16px; color:rgba(255,255,255,.8); line-height:1.8; margin-bottom:32px; max-width:500px; }
.hero-buttons { display:flex; gap:14px; flex-wrap:wrap; align-items:center; margin-bottom:0; }
.hero-link { color:rgba(255,255,255,.7); font-size:14px; font-weight:500; display:inline-flex; align-items:center; gap:6px; border-bottom:1px dashed rgba(255,255,255,.4); padding-bottom:2px; transition:var(--transition); }
.hero-link:hover { color:var(--gold); border-bottom-color:var(--gold); }

/* Trust badges */
.hero-trust-badges { display:flex; flex-direction:column; gap:14px; }
.trust-badge {
  background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.12); border-radius:var(--radius);
  padding:16px 20px; display:flex; align-items:center; gap:16px;
  backdrop-filter:blur(8px); transition:var(--transition);
  animation:floatBadge 3s ease-in-out infinite;
}
.trust-badge:nth-child(2){animation-delay:.5s}
.trust-badge:nth-child(3){animation-delay:1s}
.trust-badge:nth-child(4){animation-delay:1.5s}
.trust-badge:nth-child(5){animation-delay:2s}
.trust-badge:hover { background:rgba(255,255,255,.12); transform:translateX(6px); }
@keyframes floatBadge { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-5px)} }
.tb-icon { width:44px; height:44px; background:rgba(201,148,10,.2); border-radius:12px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.tb-icon i { font-size:20px; color:var(--gold); }
.tb-val { display:block; font-size:18px; font-weight:800; color:var(--white); line-height:1.1; }
.tb-label { display:block; font-size:12px; color:rgba(255,255,255,.65); }

/* Ticker */
.ticker-wrap {
  position:absolute; bottom:0; left:0; right:0; z-index:3;
  background:rgba(0,0,0,.35); border-top:1px solid rgba(201,148,10,.3);
  display:flex; align-items:center; overflow:hidden; height:44px;
}
.ticker-label { background:var(--gold); color:var(--royal-dark); padding:0 16px; font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:1px; height:100%; display:flex; align-items:center; gap:6px; flex-shrink:0; white-space:nowrap; }
.ticker-content { flex:1; overflow:hidden; }
.ticker-track { display:inline-flex; gap:60px; white-space:nowrap; animation:ticker 30s linear infinite; }
.ticker-track span { font-size:13px; color:rgba(255,255,255,.85); }
@keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* ===== STATS BAND ===== */
.stats-band { background:var(--grad-royal); padding:50px 0; position:relative; z-index:2; }
.stats-band::before { content:''; position:absolute; inset:0; background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='40' opacity='0.04'%3E%3Cpath d='M0 20 Q50 5 100 20 Q150 35 200 20' stroke='%23C9940A' stroke-width='2' fill='none'/%3E%3C/svg%3E") repeat-x center; }
.stats-band-inner { max-width:1240px; margin:0 auto; padding:0 24px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; }
.stat-item { display:flex; align-items:center; gap:16px; flex:1; min-width:140px; }
.stat-icon-wrap { width:52px; height:52px; background:rgba(201,148,10,.2); border:2px solid rgba(201,148,10,.35); border-radius:14px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.stat-icon-wrap i { font-size:22px; color:var(--gold); }
.stat-number { display:block; font-size:28px; font-weight:800; color:var(--white); line-height:1.1; font-family:'Playfair Display',serif; }
.stat-label { display:block; font-size:12px; color:rgba(255,255,255,.65); text-transform:uppercase; letter-spacing:.5px; }
.stat-divider { width:1px; height:50px; background:rgba(255,255,255,.12); flex-shrink:0; }

/* ===== ABOUT SECTION ===== */
.about-section { background:var(--bg-cream); padding:90px 0; overflow:hidden; }

/* Timeline */
.timeline-wrap { margin-bottom:80px; }
.timeline { position:relative; padding:20px 0; }
.timeline::before { content:''; position:absolute; left:50%; top:0; bottom:0; width:2px; background:linear-gradient(to bottom, var(--gold), var(--royal)); transform:translateX(-50%); }
.tl-item { display:flex; width:100%; margin-bottom:40px; position:relative; }
.tl-item.left { justify-content:flex-end; padding-right:calc(50% + 30px); }
.tl-item.right { justify-content:flex-start; padding-left:calc(50% + 30px); }
.tl-dot { position:absolute; left:50%; top:20px; width:16px; height:16px; background:var(--gold); border:3px solid var(--royal); border-radius:50%; transform:translateX(-50%); z-index:2; }
.tl-card { background:var(--white); border-radius:var(--radius); padding:22px 26px; box-shadow:var(--shadow-sm); max-width:420px; width:100%; border-left:4px solid var(--gold); transition:var(--transition); }
.tl-card:hover { box-shadow:var(--shadow-md); transform:translateY(-4px); }
.tl-year { display:inline-block; background:var(--royal); color:var(--gold); font-size:12px; font-weight:700; padding:3px 10px; border-radius:10px; margin-bottom:10px; }
.tl-card h4 { font-size:16px; font-weight:700; color:var(--royal); margin-bottom:6px; }
.tl-card p { font-size:14px; color:var(--text-mid); line-height:1.7; }

/* Value Pillars */
.pillars-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:24px; margin-bottom:60px; }
.pillar-card { background:var(--white); border-radius:var(--radius); padding:30px 24px; text-align:center; box-shadow:var(--shadow-sm); border-bottom:3px solid transparent; transition:var(--transition); }
.pillar-card:hover { border-bottom-color:var(--gold); box-shadow:var(--shadow-md); transform:translateY(-6px); }
.pillar-icon { width:70px; height:70px; margin:0 auto 18px; }
.pillar-icon svg { width:100%; height:100%; }
.pillar-card h4 { font-size:17px; font-weight:700; color:var(--royal); margin-bottom:10px; }
.pillar-card p { font-size:14px; color:var(--text-mid); line-height:1.7; }

/* Compare table */
.compare-table-wrap { overflow-x:auto; border-radius:var(--radius); box-shadow:var(--shadow-sm); }
.compare-table { width:100%; border-collapse:collapse; background:var(--white); }
.compare-table th { background:var(--royal); color:var(--white); padding:14px 20px; font-size:14px; font-weight:600; text-align:left; }
.compare-table th.highlight-col { background:var(--emerald); }
.compare-table td { padding:12px 20px; font-size:14px; border-bottom:1px solid var(--border); color:var(--text-mid); }
.compare-table tr:hover td { background:rgba(13,43,110,.03); }
.compare-table td.highlight-col { background:rgba(26,107,60,.05); font-weight:500; color:var(--emerald); }
.c-yes { color:var(--emerald); margin-right:6px; }
.c-no { color:#e74c3c; margin-right:6px; }

/* ===== PRESIDENT'S SECTION ===== */
.president-section { background:var(--white); padding:90px 0; }
.president-layout { display:grid; grid-template-columns:340px 1fr; gap:60px; align-items:start; margin-bottom:80px; }
.president-left { position:sticky; top:100px; }
.president-photo-frame { border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-lg); margin-bottom:24px; border:4px solid var(--gold); aspect-ratio:3/4; }
.president-photo { width:100%; height:100%; object-fit:cover; object-position:center top; }
.president-namecard { background:var(--royal); color:var(--white); border-radius:var(--radius); padding:18px 20px; margin-bottom:16px; text-align:center; }
.president-namecard h3 { font-size:16px; font-weight:700; color:var(--gold); margin-bottom:4px; }
.president-namecard p { font-size:13px; color:rgba(255,255,255,.8); margin-bottom:4px; font-weight:600; }
.president-namecard span { font-size:11.5px; color:rgba(255,255,255,.6); line-height:1.4; display:block; }
.president-quote-pull { background:var(--gold-pale); border-left:4px solid var(--gold); border-radius:0 var(--radius) var(--radius) 0; padding:18px 20px; }
.president-quote-pull i { color:var(--gold); font-size:20px; margin-bottom:8px; display:block; }
.president-quote-pull p { font-size:14px; color:var(--text-dark); font-style:italic; line-height:1.7; font-weight:600; }
.president-right { background:var(--bg-cream); border-radius:var(--radius-lg); padding:50px; position:relative; }
.quote-mark { font-size:64px; color:var(--royal); opacity:.08; line-height:1; margin-bottom:12px; }
.president-salutation { font-size:18px; font-weight:700; color:var(--royal); margin-bottom:20px; }
.president-right p { font-size:15px; color:var(--text-mid); line-height:1.9; margin-bottom:18px; }
.president-sig { margin-top:30px; padding-top:24px; border-top:2px solid var(--border); }
.sig-name { font-size:17px; font-weight:700; color:var(--royal); margin-bottom:4px; }
.sig-role { font-size:13px; color:var(--gold); font-weight:600; }

/* Board carousel */
.board-section { }
.board-carousel { overflow:hidden; border-radius:var(--radius); }
.board-track { display:flex; gap:20px; transition:transform .4s ease; }
.board-card { background:var(--white); border:1px solid var(--border); border-radius:var(--radius); padding:28px 20px; text-align:center; flex:0 0 200px; transition:var(--transition); }
.board-card:hover { box-shadow:var(--shadow-md); border-color:var(--gold); transform:translateY(-4px); }
.board-avatar { width:70px; height:70px; background:var(--grad-royal); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 14px; }
.board-avatar i { font-size:30px; color:rgba(255,255,255,.7); }
.board-card h4 { font-size:14px; font-weight:700; color:var(--royal); margin-bottom:6px; }
.board-card p { font-size:12px; color:var(--text-light); }
.board-nav { display:flex; gap:10px; margin-top:16px; justify-content:center; }
.board-nav button { width:40px; height:40px; border-radius:50%; border:2px solid var(--royal); color:var(--royal); background:transparent; font-size:14px; transition:var(--transition); display:flex; align-items:center; justify-content:center; }
.board-nav button:hover { background:var(--royal); color:white; }

/* ===== SERVICES SECTION ===== */
.services-section { background:var(--bg-cream); overflow:hidden; }
.services-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.service-flip-card { height:280px; perspective:1000px; cursor:pointer; }
.service-flip-card:hover .sfc-inner { transform:rotateY(180deg); }
.sfc-inner { position:relative; width:100%; height:100%; transition:transform .6s cubic-bezier(.4,0,.2,1); transform-style:preserve-3d; }
.sfc-front, .sfc-back { position:absolute; inset:0; backface-visibility:hidden; border-radius:var(--radius-lg); padding:28px; display:flex; flex-direction:column; }
.sfc-front { background:var(--white); box-shadow:var(--shadow-sm); border:2px solid transparent; transition:var(--transition); align-items:flex-start; }
.service-flip-card:hover .sfc-front { border-color:var(--royal); }
.sfc-back { background:var(--grad-royal); transform:rotateY(180deg); color:white; }
.sfc-icon { width:60px; height:60px; margin-bottom:16px; }
.sfc-icon svg { width:100%; height:100%; }
.sfc-front h3 { font-size:18px; font-weight:700; color:var(--royal); margin-bottom:10px; }
.sfc-front > p { font-size:14px; color:var(--text-mid); line-height:1.7; flex:1; }
.flip-hint { font-size:12px; color:var(--text-light); display:flex; align-items:center; gap:5px; margin-top:12px; }
.flip-hint i { font-size:11px; }
.member-badge { color:var(--gold) !important; background:rgba(201,148,10,.1); border-radius:10px; padding:3px 10px; font-weight:600; }
.sfc-back h3 { font-size:18px; font-weight:700; color:var(--gold); margin-bottom:16px; }
.sfc-back ul { flex:1; }
.sfc-back ul li { font-size:13.5px; display:flex; align-items:center; gap:8px; margin-bottom:10px; color:rgba(255,255,255,.9); }
.sfc-back ul li i { color:var(--gold); font-size:12px; }
.eligibility { font-size:12px; color:rgba(255,255,255,.6); margin-bottom:14px; font-style:italic; }
.service-digital .sfc-front { border:2px solid rgba(201,148,10,.3); }

/* ===== LOANS SECTION ===== */
.loans-section { background:var(--bg-light); }
.loans-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; margin-bottom:50px; }
.loan-tile { background:var(--white); border-radius:var(--radius); padding:22px 18px; box-shadow:var(--shadow-xs); border:2px solid transparent; display:flex; flex-direction:column; transition:var(--transition); position:relative; }
.loan-tile:hover { border-color:var(--royal); box-shadow:var(--shadow-md); transform:translateY(-6px); }
.loan-tile:hover .loan-tile-icon { background:var(--grad-royal); }
.loan-tile:hover .loan-tile-icon i { color:var(--gold); }
.loan-tile-icon { width:52px; height:52px; background:rgba(13,43,110,.08); border-radius:14px; display:flex; align-items:center; justify-content:center; margin-bottom:14px; transition:var(--transition); }
.loan-tile-icon i { font-size:24px; color:var(--royal); transition:var(--transition); }
.loan-tile h3 { font-size:15px; font-weight:700; color:var(--text-dark); margin-bottom:10px; }
.loan-rate-badge { display:inline-block; background:var(--gold-pale); color:var(--gold); border:1px solid rgba(201,148,10,.3); border-radius:8px; padding:4px 10px; font-size:15px; font-weight:800; margin-bottom:12px; }
.loan-rate-badge span { font-size:11px; font-weight:500; color:var(--text-light); }
.loan-tile ul { flex:1; margin-bottom:14px; }
.loan-tile ul li { font-size:12.5px; color:var(--text-mid); display:flex; align-items:center; gap:7px; padding:4px 0; }
.loan-tile ul li i { color:var(--emerald); font-size:12px; }
.loan-tile-footer { margin-top:auto; }
.featured-tile { background:var(--grad-royal); border-color:var(--gold); }
.featured-tile h3, .featured-tile ul li, .featured-tile .loan-rate-badge { color:var(--white); }
.featured-tile .loan-rate-badge { background:rgba(201,148,10,.25); border-color:rgba(201,148,10,.5); color:var(--gold-light); }
.featured-tile .loan-tile-icon { background:rgba(255,255,255,.12); }
.featured-tile .loan-tile-icon i { color:var(--gold); }
.featured-tile:hover { transform:translateY(-8px); box-shadow:0 20px 50px rgba(13,43,110,.4); }
.popular-badge { position:absolute; top:-12px; right:14px; background:var(--grad-gold); color:var(--royal-dark); font-size:11px; font-weight:700; padding:4px 12px; border-radius:10px; text-transform:uppercase; letter-spacing:.5px; }

/* Loan Comparison Table */
.loan-compare-wrap { margin-bottom:50px; }
.table-scroll { overflow-x:auto; border-radius:var(--radius); box-shadow:var(--shadow-sm); }
.loan-compare-table { width:100%; border-collapse:collapse; background:var(--white); min-width:600px; }
.loan-compare-table th { background:var(--royal); color:var(--white); padding:14px 18px; font-size:13px; font-weight:600; text-align:left; }
.loan-compare-table td { padding:12px 18px; font-size:14px; border-bottom:1px solid var(--border); color:var(--text-mid); }
.loan-compare-table tr:hover td { background:rgba(13,43,110,.03); }
.rate-cell { font-weight:700; color:var(--royal); }
.btn-apply-sm { background:var(--grad-emerald); color:white; border:none; padding:6px 16px; border-radius:12px; font-size:12.5px; font-weight:600; cursor:pointer; transition:var(--transition); }
.btn-apply-sm:hover { transform:translateY(-2px); box-shadow:var(--shadow-sm); }

/* EMI Calculator */
.emi-calculator { background:var(--white); border-radius:var(--radius-lg); padding:50px; box-shadow:var(--shadow-md); margin-bottom:50px; }
.emi-calculator-header { text-align:center; margin-bottom:40px; }
.emi-calculator-header h3 { font-family:'Playfair Display',serif; font-size:28px; font-weight:700; color:var(--royal); display:flex; align-items:center; justify-content:center; gap:12px; margin-bottom:8px; }
.emi-calculator-header h3 i { color:var(--gold); }
.emi-calculator-header p { font-size:15px; color:var(--text-light); }
.emi-calc-body { display:grid; grid-template-columns:1fr 1fr; gap:50px; align-items:center; }
.slider-group { margin-bottom:28px; }
.sg-label { display:flex; justify-content:space-between; align-items:center; margin-bottom:10px; }
.sg-label label { font-size:14px; font-weight:600; color:var(--text-dark); }
.sg-val { font-size:16px; font-weight:700; color:var(--royal); }
.range-slider { width:100%; -webkit-appearance:none; height:6px; border-radius:3px; background:linear-gradient(to right, var(--royal) var(--pct,50%), var(--border) var(--pct,50%)); outline:none; cursor:pointer; }
.range-slider::-webkit-slider-thumb { -webkit-appearance:none; width:22px; height:22px; border-radius:50%; background:var(--royal); border:3px solid var(--gold); cursor:pointer; box-shadow:0 2px 8px rgba(13,43,110,.3); transition:var(--transition); }
.range-slider::-webkit-slider-thumb:hover { transform:scale(1.15); }
.range-slider::-moz-range-thumb { width:22px; height:22px; border-radius:50%; background:var(--royal); border:3px solid var(--gold); cursor:pointer; }
.emi-result-box { background:var(--bg-cream); border-radius:var(--radius); padding:24px; margin-top:10px; }
.emi-monthly { text-align:center; margin-bottom:16px; padding-bottom:16px; border-bottom:1px solid var(--border); }
.emi-monthly span { display:block; font-size:13px; color:var(--text-light); text-transform:uppercase; letter-spacing:.5px; margin-bottom:6px; }
.emi-monthly strong { font-size:40px; font-weight:800; color:var(--royal); font-family:'Playfair Display',serif; }
.emi-details { display:flex; flex-direction:column; gap:10px; }
.emi-details div { display:flex; justify-content:space-between; font-size:14px; }
.emi-details div span:first-child { color:var(--text-light); }
.emi-details div span:last-child { font-weight:700; color:var(--text-dark); }
.emi-chart-wrap { display:flex; flex-direction:column; align-items:center; justify-content:center; gap:16px; }
.emi-chart-legend { display:flex; gap:20px; font-size:13px; color:var(--text-mid); align-items:center; }
.legend-dot { display:inline-block; width:12px; height:12px; border-radius:50%; margin-right:5px; }
.principal-dot { background:var(--royal); }
.interest-dot { background:var(--gold); }

/* Eligibility Quiz */
.eligibility-quiz { background:var(--white); border-radius:var(--radius-lg); padding:40px; box-shadow:var(--shadow-sm); }
.quiz-body { max-width:560px; margin:0 auto; }
.quiz-step { display:none; }
.quiz-step.active { display:block; animation:fadeSlide .3s ease; }
.quiz-q { font-size:17px; font-weight:600; color:var(--royal); margin-bottom:20px; }
.quiz-options { display:flex; flex-wrap:wrap; gap:12px; }
.quiz-opt { background:var(--bg-cream); border:2px solid var(--border); color:var(--text-dark); padding:12px 22px; border-radius:10px; font-size:14px; font-weight:500; cursor:pointer; transition:var(--transition); }
.quiz-opt:hover { border-color:var(--royal); background:rgba(13,43,110,.06); color:var(--royal); }
.quiz-result { text-align:center; padding:30px 0; animation:fadeSlide .3s ease; }
.qr-icon { font-size:50px; color:var(--emerald); margin-bottom:14px; }
.quiz-result h4 { font-size:22px; font-weight:700; color:var(--royal); margin-bottom:10px; }
.quiz-result p { font-size:15px; color:var(--text-mid); margin-bottom:24px; }
.quiz-reset { color:var(--text-light); font-size:13px; display:block; margin:12px auto 0; text-align:center; }
@keyframes fadeSlide { from{opacity:0;transform:translateY(10px)} to{opacity:1;transform:translateY(0)} }

/* ===== NEWS SECTION ===== */
.news-section { background:var(--bg-cream); overflow:hidden; }
.news-filters { display:flex; gap:10px; flex-wrap:wrap; justify-content:center; margin-bottom:40px; }
.filter-btn { padding:8px 20px; border-radius:20px; border:2px solid var(--border); background:var(--white); color:var(--text-mid); font-size:13.5px; font-weight:600; cursor:pointer; transition:var(--transition); }
.filter-btn.active, .filter-btn:hover { background:var(--royal); border-color:var(--royal); color:var(--white); }
.news-timeline { display:flex; flex-direction:column; gap:20px; margin-bottom:60px; }
.news-item { display:grid; grid-template-columns:100px 1fr; gap:24px; background:var(--white); border-radius:var(--radius); padding:28px; box-shadow:var(--shadow-xs); border-left:4px solid transparent; transition:var(--transition); }
.news-item:hover { border-left-color:var(--gold); box-shadow:var(--shadow-md); transform:translateX(4px); }
.news-item.hidden { display:none; }
.news-date-badge { background:var(--grad-royal); border-radius:12px; padding:16px 10px; text-align:center; height:fit-content; }
.nd-day { display:block; font-size:28px; font-weight:800; color:var(--white); line-height:1; }
.nd-month { display:block; font-size:11px; color:rgba(255,255,255,.75); margin-top:4px; }
.news-tag { display:inline-block; padding:3px 10px; border-radius:10px; font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:.5px; margin-bottom:10px; }
.agm-tag { background:rgba(13,43,110,.1); color:var(--royal); }
.fin-tag { background:rgba(26,107,60,.1); color:var(--emerald); }
.rec-tag { background:rgba(201,148,10,.15); color:#8a6300; }
.news-item-body h3 { font-size:17px; font-weight:700; color:var(--text-dark); margin-bottom:10px; }
.news-item-body p { font-size:14px; color:var(--text-mid); line-height:1.7; margin-bottom:14px; }

/* Documents */
.documents-section { }
.docs-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:16px; }
.doc-card { background:var(--white); border:2px solid var(--border); border-radius:var(--radius); padding:22px 18px; display:flex; align-items:center; gap:14px; transition:var(--transition); color:var(--text-dark); }
.doc-card:hover { border-color:var(--royal); box-shadow:var(--shadow-md); transform:translateY(-4px); color:var(--royal); }
.doc-icon { font-size:28px; color:var(--royal); flex-shrink:0; }
.doc-card span { font-size:13.5px; font-weight:600; flex:1; }
.doc-dl { font-size:14px; color:var(--text-light); }
.doc-card:hover .doc-dl { color:var(--emerald); }

/* ===== TESTIMONIALS ===== */
.testimonials-section { background:var(--grad-royal); padding:90px 0; }
.testimonials-slider-wrap { max-width:800px; margin:0 auto; }
.t-slider { position:relative; min-height:280px; }
.t-card { display:none; background:var(--white); border-radius:var(--radius-lg); padding:40px; box-shadow:var(--shadow-lg); animation:fadeSlide .4s ease; }
.t-card.active { display:block; }
.t-stars { display:flex; gap:4px; margin-bottom:20px; }
.t-stars i { color:var(--gold); font-size:18px; }
.t-text { font-size:17px; line-height:1.8; color:var(--text-mid); font-style:italic; margin-bottom:28px; }
.t-author { display:flex; align-items:center; gap:16px; }
.t-author img { width:60px; height:60px; border-radius:50%; border:3px solid var(--royal); object-fit:cover; }
.t-author h4 { font-size:16px; font-weight:700; color:var(--text-dark); margin-bottom:3px; }
.t-author p { font-size:13px; color:var(--text-light); }
.t-service-tag { display:inline-block; background:rgba(13,43,110,.08); color:var(--royal); font-size:11px; font-weight:600; padding:2px 8px; border-radius:8px; margin-top:4px; }
.t-controls { display:flex; align-items:center; justify-content:center; gap:20px; margin-top:30px; }
.t-controls button { width:44px; height:44px; border-radius:50%; border:2px solid rgba(255,255,255,.4); background:transparent; color:white; font-size:16px; cursor:pointer; transition:var(--transition); display:flex; align-items:center; justify-content:center; }
.t-controls button:hover { background:rgba(255,255,255,.15); border-color:white; }
.t-dots { display:flex; gap:8px; }
.t-dot { width:10px; height:10px; border-radius:5px; background:rgba(255,255,255,.3); border:none; cursor:pointer; transition:var(--transition); padding:0; }
.t-dot.active { width:28px; background:var(--gold); }

/* ===== MEMBERSHIP SECTION ===== */
.membership-section { background:var(--white); }
.membership-steps { display:flex; align-items:flex-start; justify-content:center; gap:0; margin-bottom:60px; }
.ms-step { flex:1; text-align:center; padding:0 16px; max-width:220px; }
.ms-num { width:36px; height:36px; background:var(--royal); color:var(--gold); font-size:16px; font-weight:800; border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 12px; }
.ms-icon { width:64px; height:64px; background:var(--gold-pale); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 14px; border:2px solid rgba(201,148,10,.3); }
.ms-icon i { font-size:26px; color:var(--gold); }
.ms-step h4 { font-size:16px; font-weight:700; color:var(--royal); margin-bottom:8px; }
.ms-step p { font-size:13.5px; color:var(--text-mid); line-height:1.7; }
.ms-arrow { font-size:20px; color:var(--border); align-self:center; margin-top:-20px; padding:0 4px; flex-shrink:0; }

.benefits-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:14px; margin-bottom:30px; }
.benefit-item { background:var(--bg-cream); border-radius:12px; padding:16px 18px; display:flex; align-items:center; gap:12px; font-size:14px; font-weight:500; color:var(--text-dark); transition:var(--transition); }
.benefit-item:hover { background:rgba(13,43,110,.06); color:var(--royal); }
.benefit-item i { font-size:18px; color:var(--gold); flex-shrink:0; }
.membership-fee-box { background:rgba(13,43,110,.05); border:1px solid rgba(13,43,110,.12); border-radius:var(--radius); padding:18px 22px; display:flex; gap:12px; font-size:14px; color:var(--text-mid); line-height:1.7; }
.membership-fee-box i { color:var(--royal); flex-shrink:0; margin-top:2px; font-size:16px; }

/* ===== BRANCH LOCATOR ===== */
.branches-section { background:var(--bg-cream); }
.branches-layout { display:grid; grid-template-columns:1fr 420px; gap:30px; }
.branch-map { height:520px; border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-md); background:var(--border); }
.branch-cards { display:flex; flex-direction:column; gap:14px; overflow-y:auto; max-height:520px; padding-right:4px; }
.branch-cards::-webkit-scrollbar { width:4px; }
.branch-cards::-webkit-scrollbar-track { background:var(--border); border-radius:2px; }
.branch-cards::-webkit-scrollbar-thumb { background:var(--royal); border-radius:2px; }
.branch-card { background:var(--white); border-radius:var(--radius); padding:20px; border:2px solid transparent; cursor:pointer; transition:var(--transition); }
.branch-card.active, .branch-card:hover { border-color:var(--gold); box-shadow:var(--shadow-md); }
.bc-header { display:flex; align-items:center; gap:12px; margin-bottom:12px; }
.bc-num { width:32px; height:32px; background:var(--royal); color:var(--gold); font-size:15px; font-weight:800; border-radius:50%; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.bc-header h4 { font-size:15px; font-weight:700; color:var(--royal); }
.bc-badge { display:inline-block; background:var(--gold-pale); color:var(--gold); font-size:10.5px; font-weight:700; padding:2px 8px; border-radius:8px; }
.branch-card p { font-size:13px; color:var(--text-mid); display:flex; align-items:flex-start; gap:8px; margin-bottom:8px; line-height:1.5; }
.branch-card p i { color:var(--royal); flex-shrink:0; margin-top:2px; font-size:12px; }
.btn-directions { display:inline-flex; align-items:center; gap:7px; background:var(--royal); color:white; padding:8px 16px; border-radius:10px; font-size:12.5px; font-weight:600; transition:var(--transition); margin-top:4px; }
.btn-directions:hover { background:var(--emerald); transform:translateY(-2px); }

/* ===== CONTACT SECTION ===== */
.contact-section { background:var(--white); overflow:hidden; }
.contact-layout { display:grid; grid-template-columns:360px 1fr; gap:40px; margin-bottom:40px; }
.contact-info-panel { display:flex; flex-direction:column; gap:16px; }
.contact-info-card { background:var(--bg-cream); border-radius:var(--radius); padding:18px 20px; display:flex; gap:14px; align-items:flex-start; transition:var(--transition); }
.contact-info-card:hover { box-shadow:var(--shadow-sm); transform:translateX(4px); }
.cic-icon { width:42px; height:42px; background:var(--grad-royal); border-radius:12px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.cic-icon i { font-size:16px; color:var(--gold); }
.contact-info-card h4 { font-size:13px; font-weight:700; color:var(--royal); text-transform:uppercase; letter-spacing:.5px; margin-bottom:6px; }
.contact-info-card p { font-size:13.5px; color:var(--text-mid); margin-bottom:3px; }
.contact-info-card a { color:var(--royal); font-weight:500; }
.contact-whatsapp a { display:flex; align-items:center; justify-content:center; gap:10px; background:#25d366; color:white; border-radius:var(--radius); padding:14px 20px; font-size:15px; font-weight:700; transition:var(--transition); }
.contact-whatsapp a:hover { background:#1da851; transform:translateY(-3px); box-shadow:0 8px 24px rgba(37,211,102,.4); }
.contact-whatsapp i { font-size:22px; }

/* Multi-step form */
.contact-form-panel { background:var(--bg-cream); border-radius:var(--radius-lg); padding:36px; }
.form-steps-indicator { display:flex; align-items:center; margin-bottom:30px; }
.fsi { display:flex; align-items:center; gap:8px; font-size:13px; font-weight:600; color:var(--text-light); flex:1; }
.fsi span { width:28px; height:28px; border-radius:50%; border:2px solid var(--border); display:flex; align-items:center; justify-content:center; font-size:13px; transition:var(--transition); }
.fsi.active { color:var(--royal); }
.fsi.active span { background:var(--royal); color:white; border-color:var(--royal); }
.fsi.done span { background:var(--emerald); color:white; border-color:var(--emerald); }
.fsi-line { flex:1; height:2px; background:var(--border); margin:0 8px; max-width:40px; }
.form-step { display:none; }
.form-step.active { display:block; animation:fadeSlide .3s ease; }
.form-success { display:none; text-align:center; padding:40px 20px; }
.fs-icon { font-size:50px; color:var(--emerald); margin-bottom:16px; }
.form-success h3 { font-size:22px; font-weight:700; color:var(--royal); margin-bottom:10px; }
.form-success p { font-size:15px; color:var(--text-mid); margin-bottom:24px; }
.form-row-2 { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.form-group { margin-bottom:18px; }
.form-group label { display:block; font-size:13px; font-weight:600; color:var(--text-dark); margin-bottom:6px; }
.form-group input, .form-group select, .form-group textarea { width:100%; padding:11px 14px; border:1.5px solid var(--border); border-radius:10px; font-size:14px; font-family:'Poppins',sans-serif; background:var(--white); color:var(--text-dark); transition:var(--transition); }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline:none; border-color:var(--royal); box-shadow:0 0 0 3px rgba(13,43,110,.08); }
.form-group input.error, .form-group select.error, .form-group textarea.error { border-color:#e74c3c; }
.field-error { display:block; font-size:12px; color:#e74c3c; margin-top:4px; min-height:16px; }
.form-nav { display:flex; gap:12px; justify-content:flex-end; margin-top:10px; }
.form-group textarea { resize:vertical; min-height:100px; }

/* Google map */
.contact-map { border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-sm); }

/* ===== FOOTER ===== */
.footer { background:var(--grad-royal); color:rgba(255,255,255,.85); }
.footer-top { padding:70px 0 50px; }
.footer-grid { display:grid; grid-template-columns:2.2fr 1fr 1fr 1.4fr; gap:50px; }
.footer-about { }
.footer-logo-wrap { display:flex; align-items:center; gap:14px; margin-bottom:20px; }
.footer-logo-img { width:56px; height:56px; object-fit:contain; border-radius:10px; border:2px solid rgba(201,148,10,.4); }
.footer-brand { display:block; font-family:'Playfair Display',serif; font-size:17px; font-weight:700; color:var(--gold); line-height:1.2; }
.footer-brand-sub { display:block; font-size:11px; color:rgba(255,255,255,.6); line-height:1.4; max-width:180px; }
.footer-about p { font-size:14px; line-height:1.8; color:rgba(255,255,255,.7); margin-bottom:16px; }
.footer-reg { margin-bottom:20px; }
.footer-reg p { font-size:12px; color:rgba(255,255,255,.55); margin-bottom:4px; }
.footer-reg strong { color:rgba(255,255,255,.75); }
.footer-trust-badges { display:flex; gap:10px; margin-bottom:20px; flex-wrap:wrap; }
.ftb { background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.12); border-radius:10px; padding:10px 12px; text-align:center; font-size:11px; color:rgba(255,255,255,.8); line-height:1.4; min-width:70px; }
.ftb i { display:block; font-size:16px; color:var(--gold); margin-bottom:4px; }
.ftb small { font-size:10px; color:rgba(255,255,255,.5); }
.footer-social { display:flex; gap:10px; }
.footer-social a { width:38px; height:38px; background:rgba(255,255,255,.1); border-radius:50%; display:flex; align-items:center; justify-content:center; color:rgba(255,255,255,.8); font-size:15px; transition:var(--transition); }
.footer-social a:hover { background:var(--gold); color:var(--royal-dark); transform:translateY(-4px); }
.footer-col h4 { font-size:16px; font-weight:700; color:var(--white); margin-bottom:22px; position:relative; padding-bottom:12px; }
.footer-col h4::after { content:''; position:absolute; bottom:0; left:0; width:36px; height:2px; background:var(--gold); border-radius:1px; }
.footer-col ul li { margin-bottom:10px; }
.footer-col ul li a { font-size:13.5px; color:rgba(255,255,255,.7); display:inline-flex; align-items:center; gap:7px; transition:var(--transition); }
.footer-col ul li a i { font-size:10px; color:var(--gold); }
.footer-col ul li a:hover { color:var(--gold); padding-left:4px; }
.footer-contact-list li { display:flex; gap:12px; align-items:flex-start; margin-bottom:14px; font-size:13.5px; color:rgba(255,255,255,.7); }
.footer-contact-list li i { color:var(--gold); flex-shrink:0; margin-top:3px; }
.footer-contact-list a { color:rgba(255,255,255,.7); }
.footer-contact-list a:hover { color:var(--gold); }
.footer-newsletter h4 { font-size:14px; color:var(--white); margin:20px 0 10px; padding-bottom:0; }
.footer-newsletter h4::after { display:none; }
.nl-form { display:flex; overflow:hidden; border-radius:10px; border:1px solid rgba(255,255,255,.2); }
.nl-form input { flex:1; background:rgba(255,255,255,.08); border:none; padding:10px 14px; font-size:13px; font-family:'Poppins',sans-serif; color:white; outline:none; }
.nl-form input::placeholder { color:rgba(255,255,255,.4); }
.nl-form button { background:var(--gold); border:none; padding:0 16px; color:var(--royal-dark); font-size:14px; cursor:pointer; transition:var(--transition); }
.nl-form button:hover { background:var(--gold-light); }
.footer-bottom { border-top:1px solid rgba(255,255,255,.08); padding:20px 0; }
.footer-bottom-inner { display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:10px; font-size:13px; color:rgba(255,255,255,.5); }
.footer-dicgc { display:flex; align-items:center; gap:6px; color:rgba(255,255,255,.6); }
.footer-dicgc i { color:var(--gold); }
.footer-bottom a { color:var(--gold); }

/* ===== MODAL ===== */
.modal { display:none; position:fixed; inset:0; background:rgba(0,0,0,.7); z-index:99998; align-items:center; justify-content:center; padding:16px; }
.modal.active { display:flex; animation:fadeIn .25s ease; }
.modal-content { background:var(--white); border-radius:var(--radius-lg); padding:40px; max-width:580px; width:100%; max-height:92vh; overflow-y:auto; position:relative; animation:slideUp .3s ease; }
.modal-close { position:absolute; top:16px; right:16px; width:36px; height:36px; border-radius:50%; background:var(--bg-light); border:none; cursor:pointer; display:flex; align-items:center; justify-content:center; color:var(--text-mid); font-size:16px; transition:var(--transition); }
.modal-close:hover { background:var(--royal); color:white; transform:rotate(90deg); }
.modal-content h2 { font-family:'Playfair Display',serif; font-size:24px; color:var(--royal); margin-bottom:28px; display:flex; align-items:center; gap:10px; }
.modal-content h2 i { color:var(--gold); }
.apply-form .form-row-2 { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
@keyframes fadeIn { from{opacity:0} to{opacity:1} }
@keyframes slideUp { from{transform:translateY(40px);opacity:0} to{transform:translateY(0);opacity:1} }

/* ===== WHATSAPP FLOAT ===== */
.whatsapp-float { position:fixed; bottom:90px; right:24px; width:56px; height:56px; background:#25d366; border-radius:50%; display:flex; align-items:center; justify-content:center; color:white; font-size:28px; z-index:998; box-shadow:0 4px 20px rgba(37,211,102,.5); transition:var(--transition); }
.whatsapp-float:hover { transform:scale(1.12); box-shadow:0 8px 30px rgba(37,211,102,.6); }

/* ===== MOBILE APPLY FLOAT ===== */
.mobile-apply-float { display:none; position:fixed; bottom:0; left:0; right:0; z-index:998; padding:12px 16px; background:rgba(255,255,255,.95); backdrop-filter:blur(10px); border-top:1px solid var(--border); box-shadow:0 -4px 20px rgba(0,0,0,.1); }
.mobile-apply-float button { width:100%; padding:14px; background:var(--grad-emerald); color:white; border:none; border-radius:12px; font-size:16px; font-weight:700; cursor:pointer; display:flex; align-items:center; justify-content:center; gap:8px; transition:var(--transition); }

/* ===== BACK TO TOP ===== */
.back-to-top { position:fixed; bottom:154px; right:24px; width:44px; height:44px; background:var(--grad-royal); border:none; border-radius:50%; color:white; font-size:16px; cursor:pointer; opacity:0; visibility:hidden; transition:var(--transition); z-index:997; box-shadow:var(--shadow-md); display:flex; align-items:center; justify-content:center; }
.back-to-top.visible { opacity:1; visibility:visible; }
.back-to-top:hover { transform:translateY(-4px); }

/* ===== AOS ANIMATIONS ===== */
[data-aos] { opacity:0; transition:opacity .7s ease, transform .7s ease; }
[data-aos].aos-animate { opacity:1; }
[data-aos="fade-up"] { transform:translateY(40px); }
[data-aos="fade-up"].aos-animate { transform:translateY(0); }
[data-aos="fade-right"] { transform:translateX(-40px); }
[data-aos="fade-right"].aos-animate { transform:translateX(0); }
[data-aos="fade-left"] { transform:translateX(40px); }
[data-aos="fade-left"].aos-animate { transform:translateX(0); }
[data-aos="zoom-in"] { transform:scale(0.85); }
[data-aos="zoom-in"].aos-animate { transform:scale(1); }

/* ===== KEYBOARD NAV ===== */
.keyboard-nav *:focus { outline:3px solid var(--gold); outline-offset:3px; }

/* ===== RESPONSIVE ===== */
@media(max-width:1100px) {
  .hero-content { grid-template-columns:1fr; padding:0 24px; }
  .hero { min-height:calc(100vh - 84px); }
  .hero-trust-badges { flex-direction:row; flex-wrap:wrap; gap:10px; }
  .trust-badge { flex:0 0 calc(50% - 5px); }
  .loans-grid { grid-template-columns:repeat(3,1fr); }
  .footer-grid { grid-template-columns:1fr 1fr; gap:40px; }
  .president-layout { grid-template-columns:280px 1fr; }
  .branches-layout { grid-template-columns:1fr; }
  .branch-map { height:380px; }
}
@media(max-width:900px) {
  .services-grid { grid-template-columns:repeat(2,1fr); }
  .pillars-grid { grid-template-columns:repeat(2,1fr); }
  .contact-layout { grid-template-columns:1fr; }
  .loans-grid { grid-template-columns:repeat(2,1fr); }
  .docs-grid { grid-template-columns:repeat(2,1fr); }
  .section-title { font-size:34px; }
  .president-layout { grid-template-columns:1fr; }
  .president-left { position:static; display:grid; grid-template-columns:180px 1fr; gap:20px; }
  .president-photo-frame { aspect-ratio:auto; height:220px; }
  .timeline::before { left:20px; }
  .tl-item.left, .tl-item.right { padding-left:50px; padding-right:0; justify-content:flex-start; }
  .tl-dot { left:20px; }
  .emi-calc-body { grid-template-columns:1fr; }
}
@media(max-width:768px) {
  .utility-bar { display:none; }
  .navbar { top:0; }
  .nav-menu { position:fixed; top:0; right:-100%; width:85%; max-width:340px; height:100vh; background:var(--white); flex-direction:column; justify-content:center; align-items:flex-start; padding:60px 30px; box-shadow:var(--shadow-lg); transition:right .35s cubic-bezier(.4,0,.2,1); gap:6px; z-index:999; }
  .nav-menu.active { right:0; }
  .hamburger { display:flex; }
  .nav-link { font-size:16px; padding:10px 0; width:100%; }
  .nav-cta { margin-left:0; margin-top:16px; width:fit-content; }
  .nav-social-mobile { display:flex; gap:16px; margin-top:30px; padding-top:20px; border-top:1px solid var(--border); width:100%; }
  .nav-social-mobile a { font-size:20px; color:var(--text-mid); }
  .hero-title-line1 { font-size:36px; }
  .hero-title-line2 { font-size:26px; }
  .hero-title-line3 { font-size:22px; }
  .hero-trust-badges { display:none; }
  .stats-band-inner { flex-wrap:wrap; gap:24px; justify-content:flex-start; }
  .stat-divider { display:none; }
  .stat-item { flex:0 0 45%; }
  .loans-grid { grid-template-columns:1fr 1fr; }
  .membership-steps { flex-wrap:wrap; }
  .ms-arrow { display:none; }
  .ms-step { flex:0 0 45%; }
  .benefits-grid { grid-template-columns:1fr 1fr; }
  .mobile-apply-float { display:block; }
  .back-to-top { bottom:72px; }
  .whatsapp-float { bottom:72px; }
  .form-row-2 { grid-template-columns:1fr; }
  .footer-grid { grid-template-columns:1fr; gap:32px; }
  .modal-content { padding:28px 20px; }
  .emi-calculator { padding:30px 20px; }
  .president-left { display:block; }
  .president-photo-frame { max-width:240px; margin:0 auto 20px; }
}
@media(max-width:480px) {
  .section-title { font-size:28px; }
  .services-grid { grid-template-columns:1fr; }
  .pillars-grid { grid-template-columns:1fr 1fr; }
  .loans-grid { grid-template-columns:1fr; }
  .docs-grid { grid-template-columns:1fr 1fr; }
  .news-item { grid-template-columns:1fr; }
  .news-date-badge { display:inline-flex; gap:6px; align-items:center; width:fit-content; border-radius:8px; padding:6px 12px; }
  .nd-day { font-size:18px; }
  .benefits-grid { grid-template-columns:1fr; }
  .hero-buttons { flex-direction:column; }
  .hero-buttons .btn { width:100%; justify-content:center; }
  .ms-step { flex:0 0 100%; }
}