:root {
    /* Kavitha Group Brand Identity System (Version 2.0) */
    
    /* Primary Colors */
    --maroon-primary: #6B1F2A;   /* Kavitha Maroon */
    --maroon-deep: #4A1420;      /* Deep Garnet */
    --maroon-light: #802634;     /* Light Maroon Accent */
    --gold-primary: #B88A44;     /* Heritage Gold */
    --gold-bright: #D4AF6A;      /* Bright Gold Accent */
    --ink: #1C1410;              /* Ink Dark Neutral */

    /* Neutrals & Background System (60% Rule) */
    --bg-cream: #FAF6F0;         /* Primary Background Cream */
    --bg-surface: #FFFFFF;       /* Card Surface White */
    --bg-stone: #F0EBE4;         /* Stone Neutral */
    --bg-stone-light: #F7F3EE;   /* Light Stone */
    --border-taupe: #A89C92;     /* Taupe Border */
    --border-taupe-light: rgba(168, 156, 146, 0.25);
    --border-gold-subtle: rgba(184, 138, 68, 0.3);

    /* Text System */
    --text-primary: #1C1410;     /* Ink */
    --text-secondary: #5A5048;   /* Slate */
    --text-muted: #807368;       /* Muted Taupe/Slate */
    --text-on-maroon: #FAF6F0;   /* Cream on Maroon */
    --text-gold: #B88A44;        /* Heritage Gold Text */

    /* Accent & Functional */
    --accent-success: #1F7A52;  /* Brand Success Green */
    --gold-gradient: linear-gradient(135deg, #B88A44 0%, #D4AF6A 50%, #9E7435 100%);
    --maroon-gradient: linear-gradient(135deg, #4A1420 0%, #6B1F2A 50%, #380E18 100%);
    --maroon-dark-gradient: linear-gradient(135deg, #2D0A11 0%, #4A1420 50%, #1C1410 100%);

    /* Aliases for legacy CSS variables */
    --bg-color: var(--bg-cream);
    --surface-color: var(--bg-surface);
    --accent-1: var(--maroon-primary);
    --accent-2: var(--maroon-deep);
    --gold: var(--gold-bright);
    --gradient: var(--gold-gradient);

    /* Brand Geometry & Shadows (4px radius per manual) */
    --radius-sm: 4px;
    --radius-md: 4px;            
    --radius-lg: 6px;
    --shadow-sm: 0 2px 8px rgba(28, 20, 16, 0.05);
    --shadow-md: 0 8px 24px rgba(28, 20, 16, 0.08);
    --shadow-lg: 0 16px 40px rgba(28, 20, 16, 0.12);
    --shadow-gold: 0 8px 24px rgba(184, 138, 68, 0.25);

    /* Typography System */
    --font-display: 'Playfair Display', Georgia, serif;
    --font-heading: 'Manrope', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-body: 'Barlow', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-mono: 'JetBrains Mono', monospace;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: var(--font-body);
    background-color: var(--bg-cream);
    color: var(--text-primary);
    overflow-x: hidden;
    line-height: 1.6;
}

h1, .hero-title, .brand-display {
    font-family: var(--font-display);
}

h2, h3, h4, h5, h6, .section-title, .card-title, .nav-links a {
    font-family: var(--font-heading);
}

/* Navbar */
.navbar {
    position: fixed;
    top: 0;
    width: 100%;
    padding: 1rem 5%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: rgba(250, 246, 240, 0.94);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border-gold-subtle);
    z-index: 1000;
    transition: all 0.3s ease;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-heading);
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--maroon-primary);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.logo span {
    color: var(--maroon-primary);
}

.logo .brand-subtitle {
    display: block;
    font-size: 0.65rem;
    font-family: var(--font-body);
    color: var(--gold-primary);
    letter-spacing: 1.5px;
    font-weight: 600;
    text-transform: uppercase;
}

.nav-logo-img {
    height: 42px;
    width: auto;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 2rem;
    align-items: center;
}

.nav-links a {
    color: var(--text-secondary);
    text-decoration: none;
    font-weight: 600;
    font-size: 0.92rem;
    transition: color 0.3s ease;
    letter-spacing: 0.2px;
}

.nav-links a:hover {
    color: var(--gold-primary);
}

.btn-nav {
    background: var(--gold-gradient);
    color: var(--maroon-deep) !important;
    padding: 0.6rem 1.4rem;
    border-radius: var(--radius-sm);
    font-weight: 700;
    border: 1px solid var(--gold-primary);
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease !important;
}

.btn-nav:hover {
    background: var(--maroon-primary);
    color: var(--bg-cream) !important;
    border-color: var(--maroon-deep);
    box-shadow: var(--shadow-gold);
}

.hamburger {
    display: none;
    cursor: pointer;
}

.hamburger span {
    display: block;
    width: 25px;
    height: 3px;
    background: var(--maroon-primary);
    margin: 5px 0;
    transition: all 0.3s ease;
}

/* Hero Section */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 0 5%;
    position: relative;
    overflow: hidden;
    background-color: var(--maroon-deep);
}

.hero-slider {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
}

.slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-size: cover;
    background-position: center;
    opacity: 0;
    transform: scale(1.05);
    transition: opacity 1.5s ease-in-out, transform 8s ease-out;
}

.slide.active {
    opacity: 1;
    transform: scale(1);
}

.slide-1 {
    background-image: url('assets/images/hero_handshake.jpg');
}

.slide-2 {
    background-image: url('assets/images/office_1.jpg');
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(74, 20, 32, 0.94) 0%, rgba(107, 31, 42, 0.88) 50%, rgba(28, 20, 16, 0.82) 100%);
    z-index: 2;
}

.hero-content {
    flex: 1;
    max-width: 700px;
    z-index: 10;
    position: relative;
    color: var(--bg-cream);
}

.badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(184, 138, 68, 0.18);
    color: var(--gold-bright);
    padding: 0.5rem 1.2rem;
    border-radius: 50px;
    font-size: 0.85rem;
    font-family: var(--font-body);
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 1.5rem;
    border: 1px solid var(--border-gold-subtle);
    box-shadow: var(--shadow-sm);
}

.hero h1 {
    font-family: var(--font-display);
    font-size: 3.8rem;
    font-weight: 700;
    line-height: 1.15;
    margin-bottom: 1.2rem;
    color: var(--bg-cream);
}

.gradient-text {
    background: var(--gradient);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero p {
    font-size: 1.1rem;
    color: rgba(250, 246, 240, 0.88);
    margin-bottom: 2rem;
    max-width: 90%;
}

.hero-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem 1.5rem;
    margin-bottom: 2.5rem;
}

.hero-tags span {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--bg-cream);
    font-family: var(--font-heading);
}

.hero-tags span i {
    color: var(--gold-bright);
    font-size: 1.1rem;
}

.hero-buttons {
    display: flex;
    gap: 1rem;
}

.btn {
    padding: 0.9rem 2rem;
    border-radius: var(--radius-sm);
    font-family: var(--font-heading);
    font-weight: 700;
    text-decoration: none;
    transition: all 0.3s ease;
    cursor: pointer;
    text-align: center;
    letter-spacing: 0.3px;
}

.btn-primary {
    background: var(--gold-gradient);
    color: #1C1410 !important;
    border: 1px solid var(--gold-primary);
    box-shadow: var(--shadow-gold);
}

.btn-primary:hover {
    background: var(--gold-bright);
    color: #4A1420 !important;
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(212, 175, 106, 0.4);
}

/* Explicit Maroon Button Variant & Attribute Target */
.btn-maroon,
.btn[style*="maroon"],
.btn-primary[style*="maroon"] {
    background: var(--maroon-gradient) !important;
    color: #FAF6F0 !important;
    border: 1px solid var(--border-gold-subtle) !important;
}

.btn-maroon:hover,
.btn[style*="maroon"]:hover,
.btn-primary[style*="maroon"]:hover {
    background: var(--maroon-primary) !important;
    color: var(--gold-bright) !important;
    border-color: var(--gold-primary) !important;
    box-shadow: var(--shadow-gold) !important;
}

.btn-secondary {
    background: rgba(107, 31, 42, 0.4);
    color: var(--bg-cream) !important;
    border: 1px solid var(--border-gold-subtle);
    backdrop-filter: blur(8px);
}

.btn-secondary:hover {
    border-color: var(--gold-bright);
    color: var(--gold-bright);
    background: var(--maroon-primary);
}

/* Hero Visual */
.hero-visual {
    flex: 1;
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
    min-height: 500px;
}

.progress-fill {
    width: 85%;
    height: 100%;
    background: var(--gold-gradient);
    border-radius: var(--radius-sm);
    animation: loadProgress 2s ease-out forwards;
}

.card-body p {
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin-bottom: 0;
}

/* Stats Section */
.stats-section {
    background: var(--maroon-dark-gradient);
    color: var(--bg-cream);
    padding: 3.5rem 5%;
    border-top: 1px solid var(--border-gold-subtle);
    border-bottom: 1px solid var(--border-gold-subtle);
    position: relative;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    text-align: center;
    max-width: 1200px;
    margin: 0 auto;
}

.stat-box {
    padding: 1rem;
    border-right: 1px solid rgba(184, 138, 68, 0.2);
}

.stat-box:last-child {
    border-right: none;
}

.stat-box h3,
.stat-box span {
    font-size: 2.8rem;
    font-family: var(--font-mono);
    font-weight: 700;
    color: var(--gold-bright);
    margin-bottom: 0.5rem;
    display: inline-block;
}

.stat-box p {
    font-size: 0.95rem;
    font-family: var(--font-heading);
    font-weight: 600;
    color: var(--bg-stone-light);
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

/* About Section */
.about {
    padding: 90px 5%;
    background: var(--bg-cream);
}

.about-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    max-width: 1200px;
    margin: 0 auto;
    align-items: center;
}

.about-content {
    text-align: left;
}

.about-content h2 {
    font-family: var(--font-display);
    font-size: 2.8rem;
    color: var(--maroon-primary);
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.about-text {
    font-size: 1.05rem;
    color: var(--text-secondary);
    margin-bottom: 2rem;
}

.about-text p {
    margin-bottom: 1rem;
}

.features-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 1rem;
    color: var(--maroon-primary);
    font-family: var(--font-heading);
    font-weight: 600;
}

.about-images {
    position: relative;
    height: 500px;
    width: 100%;
}

.office-image-wrapper {
    position: absolute;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 6px solid white;
    transition: transform 0.4s ease;
}

.office-image-wrapper:hover {
    transform: translateY(-5px) scale(1.02);
    z-index: 10;
}

.office-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.img-1 {
    width: 70%;
    height: auto;
    top: 0;
    left: 0;
    z-index: 2;
}

.img-2 {
    width: 65%;
    height: auto;
    bottom: 0px;
    right: 0;
    z-index: 1;
}

/* Services Section */
.services {
    padding: 90px 5%;
    background: var(--bg-stone-light);
}

.section-header {
    text-align: center;
    margin-bottom: 4rem;
}

.section-header h2 {
    font-family: var(--font-display);
    font-size: 2.8rem;
    margin-bottom: 1rem;
    color: var(--maroon-primary);
    font-weight: 700;
}

.section-header p {
    color: var(--text-secondary);
    font-size: 1.1rem;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.service-card {
    background: var(--surface-color);
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-gold-subtle);
    transition: all 0.35 ease;
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-gold);
    border-color: var(--gold-primary);
}

.service-image-wrapper {
    width: 100%;
    height: 200px;
    overflow: hidden;
    position: relative;
}

.service-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.service-card:hover .service-image {
    transform: scale(1.05);
}

.service-content {
    padding: 2rem;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.service-content h3 {
    font-family: var(--font-heading);
    font-size: 1.35rem;
    font-weight: 700;
    margin-bottom: 0.8rem;
    color: var(--maroon-primary);
}

.service-content p {
    color: var(--text-secondary);
    font-size: 0.95rem;
    line-height: 1.6;
}

.service-actions {
    padding: 0 2rem 2rem 2rem;
    margin-top: auto;
}

.btn-eligibility {
    width: 100%;
    padding: 0.8rem;
    font-size: 0.95rem;
    font-family: var(--font-heading);
}

/* Special Gold Loan Section */
.special-gold-loan {
    padding: 90px 5%;
    background: var(--maroon-dark-gradient);
    color: var(--bg-cream);
    border-top: 1px solid var(--border-gold-subtle);
    border-bottom: 1px solid var(--border-gold-subtle);
}

.gold-loan-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.glow-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 0.4rem 1.2rem;
    background: rgba(184, 138, 68, 0.18);
    border: 1px solid var(--gold-bright);
    color: var(--gold-bright);
    border-radius: 50px;
    font-size: 0.85rem;
    font-family: var(--font-body);
    font-weight: 700;
    margin-bottom: 1.5rem;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.gold-loan-content h2 {
    font-family: var(--font-display);
    font-size: 3rem;
    margin-bottom: 1rem;
    color: var(--bg-cream);
    line-height: 1.2;
}

.gold-loan-content>p {
    color: var(--bg-stone-light);
    font-size: 1.1rem;
    margin-bottom: 2.5rem;
    line-height: 1.6;
}

.gold-features {
    display: flex;
    flex-direction: column;
    gap: 1.8rem;
}

.gold-feature {
    display: flex;
    align-items: flex-start;
    gap: 1.2rem;
}

.gold-feature .icon {
    font-size: 1.8rem;
    background: rgba(184, 138, 68, 0.12);
    min-width: 58px;
    height: 58px;
    display: flex;
    justify-content: center;
    align-items: center;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-gold-subtle);
    color: var(--gold-bright);
}

.gold-feature h4 {
    color: var(--gold-bright);
    font-family: var(--font-heading);
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 0.3rem;
}

.gold-feature p {
    color: var(--bg-stone);
    font-size: 0.95rem;
    line-height: 1.4;
    margin-bottom: 0;
}

.gold-rate-widget {
    background: rgba(184, 138, 68, 0.1);
    border: 1px solid var(--border-gold-subtle);
    border-radius: var(--radius-sm);
    padding: 1.5rem;
    position: relative;
    overflow: hidden;
    margin-top: 1rem;
}

.widget-header {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--gold-bright);
    font-size: 0.85rem;
    font-family: var(--font-heading);
    font-weight: 700;
    text-transform: uppercase;
    margin-bottom: 0.8rem;
    letter-spacing: 1px;
}

.icon-pulse {
    animation: pulse-gold 2s infinite;
}

@keyframes pulse-gold {
    0% {
        opacity: 1;
        transform: scale(1);
    }
    50% {
        opacity: 0.4;
        transform: scale(1.2);
    }
    100% {
        opacity: 1;
        transform: scale(1);
    }
}

.widget-body h5 {
    color: var(--bg-stone-light);
    font-size: 1rem;
    font-weight: 500;
    margin-bottom: 0.5rem;
}

.rate-value {
    color: var(--gold-bright);
    font-family: var(--font-mono);
    font-size: 2.4rem;
    font-weight: 700;
    margin-bottom: 0.3rem;
    display: flex;
    align-items: baseline;
    gap: 6px;
}

.rate-value .unit {
    font-size: 1rem;
    font-weight: 500;
    font-family: var(--font-body);
    color: var(--bg-stone);
}

.rate-date {
    color: var(--border-taupe);
    font-size: 0.9rem;
}

.gold-loan-image {
    position: relative;
    border-radius: var(--radius-sm);
    padding: 0.8rem;
    background: var(--gold-gradient);
    box-shadow: var(--shadow-gold);
}

.gold-loan-image img {
    width: 100%;
    height: auto;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-lg);
    display: block;
}

/* Footer */
footer {
    background: var(--ink);
    color: var(--bg-stone-light);
    padding: 4.5rem 5% 2rem;
    border-top: 2px solid var(--gold-primary);
}

.footer-container {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 3rem;
    max-width: 1200px;
    margin: 0 auto;
    margin-bottom: 3rem;
}

.footer-logo {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--gold-bright);
    margin-bottom: 1rem;
    letter-spacing: 0.5px;
}

.footer-section p {
    margin-bottom: 0.8rem;
    font-size: 0.95rem;
    color: var(--bg-stone);
}

.footer-section.links h4 {
    color: white;
    margin-bottom: 1.2rem;
    font-size: 1.1rem;
}

.footer-section.links ul {
    list-style: none;
}

.footer-section.links li {
    margin-bottom: 0.5rem;
}

.footer-section.links a {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.3s ease;
}

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

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid var(--ink);
    font-size: 0.85rem;
}

/* Reviews Section */
.reviews-section {
    padding: 80px 5%;
    background: white;
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.review-card {
    background: var(--bg-cream);
    padding: 2.5rem 2rem;
    border-radius: 12px;
    border: 1px solid var(--border-taupe-light);
    transition: transform 0.3s ease;
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
}

.review-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.stars {
    font-size: 1.2rem;
    margin-bottom: 1rem;
    letter-spacing: 2px;
}

.review-text {
    flex-grow: 1;
    font-size: 1rem;
    color: var(--text-secondary);
    font-style: italic;
    margin-bottom: 1.5rem;
}

.reviewer h4 {
    color: var(--text-primary);
    font-size: 1.05rem;
    margin-bottom: 0.2rem;
}

.reviewer span {
    color: var(--accent-1);
    font-size: 0.85rem;
    font-weight: 500;
}

/* Corporate Section (Careers & Policies) */
.corporate-section {
    padding: 80px 5%;
    background: #f1f5f9;
}

.corporate-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.corporate-card {
    background: white;
    border-radius: 12px;
    padding: 3rem;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    box-shadow: var(--shadow-md);
    position: relative;
    overflow: hidden;
    border-top: 4px solid var(--accent-1);
}

.policy-card {
    border-top-color: var(--gold);
}

.corporate-content {
    flex: 1;
    position: relative;
    z-index: 2;
}

.corporate-content h3 {
    font-size: 1.8rem;
    color: var(--text-primary);
    margin-bottom: 1rem;
}

.corporate-content p {
    color: var(--text-secondary);
    margin-bottom: 1.5rem;
}

.corporate-icon {
    font-size: 5rem;
    opacity: 0.5;
    position: absolute;
    right: 20px;
    bottom: -10px;
    z-index: 1;
}

.mt-4 {
    margin-top: 1.5rem;
    display: inline-block;
}

.policy-links {
    list-style: none;
}

.policy-links li {
    margin-bottom: 0.8rem;
}

.policy-links a {
    color: var(--text-primary);
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s ease;
}

.policy-links a:hover {
    color: var(--accent-1);
}

/* Contact Section */
.contact-section {
    padding: 80px 5%;
    background: white;
}

.contact-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    max-width: 1200px;
    margin: 0 auto;
    background: var(--bg-cream);
    border-radius: 16px;
    box-shadow: var(--shadow-md);
    overflow: hidden;
}

.contact-info {
    padding: 4rem;
    background: var(--maroon-gradient);
    color: var(--bg-cream);
}

.contact-info h2 {
    font-family: var(--font-display);
    font-size: 2.5rem;
    margin-bottom: 1rem;
    color: var(--bg-cream);
}

.contact-info>p {
    color: var(--bg-cream);
    opacity: 0.92;
    margin-bottom: 2.5rem;
    font-size: 1.05rem;
}

.info-item {
    display: flex;
    align-items: flex-start;
    gap: 1.2rem;
    margin-bottom: 2rem;
}

.info-icon {
    font-size: 1.4rem;
    background: rgba(184, 138, 68, 0.2);
    border: 1px solid var(--border-gold-subtle);
    color: var(--gold-bright);
    width: 46px;
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    flex-shrink: 0;
}

.info-item h4 {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 0.3rem;
    color: var(--gold-bright);
}

.info-item p {
    color: var(--bg-cream);
    line-height: 1.6;
    font-size: 0.95rem;
    opacity: 0.95;
}

.contact-form-container {
    padding: 4rem 4rem 4rem 0;
}

.contact-form h3 {
    font-size: 1.8rem;
    color: var(--text-primary);
    margin-bottom: 2rem;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 1rem 1.2rem;
    border: 1px solid var(--border-taupe);
    border-radius: var(--radius-sm);
    background: #FFFFFF;
    font-family: var(--font-body);
    font-size: 0.98rem;
    color: var(--ink) !important;
    font-weight: 500;
    transition: all 0.3s ease;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: #5A5048 !important;
    opacity: 0.85 !important;
    font-weight: 400;
}

.form-group select option {
    color: var(--ink);
    background: #FFFFFF;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--gold-primary);
    box-shadow: 0 0 0 3px rgba(184, 138, 68, 0.2);
}

.block-btn {
    width: 100%;
    border: none;
    font-size: 1rem;
}

/* Specific Linter fix for background-clip */
.gradient-text {
    background: var(--gradient);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

/* Animations Overrides */
@keyframes pulse {

    0%,
    100% {
        transform: scale(1);
        opacity: 0.1;
    }

    50% {
        transform: scale(1.1);
        opacity: 0.15;
    }
}

@keyframes loadProgress {
    from {
        width: 0;
    }

    to {
        width: 85%;
    }
}

.animate-up {
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.8s ease;
}

.animate-up.visible {
    opacity: 1;
    transform: translateY(0);
}

.animate-in {
    opacity: 0;
    transition: opacity 1.2s ease;
}

.animate-in.visible {
    opacity: 1;
}

.delay-1 {
    transition-delay: 0.1s;
}

.delay-2 {
    transition-delay: 0.2s;
}

.delay-3 {
    transition-delay: 0.3s;
}

/* Responsive */
@media (max-width: 968px) {
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .corporate-grid,
    .contact-container,
    .gold-loan-container {
        grid-template-columns: 1fr;
    }

    .contact-info {
        padding: 3rem;
    }

    .contact-form-container {
        padding: 0 3rem 3rem 3rem;
    }

    .hero {
        flex-direction: column;
        padding-top: 120px;
        text-align: center;
        background: white;
    }

    .hero-content {
        margin-bottom: 3rem;
    }

    .hero h1 {
        font-size: 2.8rem;
    }

    .hero p {
        margin: 0 auto 2rem;
    }

    .hero-buttons {
        justify-content: center;
    }
}

@media (max-width: 768px) {
    .footer-container {
        grid-template-columns: 1fr;
    }

    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        flex-direction: column;
        background: white;
        padding: 1.5rem 0;
        box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    }

    .nav-links.active {
        display: flex;
    }

    .hamburger {
        display: block;
    }

    .stats-grid {
        grid-template-columns: 1fr;
    }

    .about-container {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .about-content {
        text-align: center;
    }

    .features-list {
        align-items: center;
    }

    .about-images {
        height: 350px;
    }
}

@media (max-width: 480px) {
    .stats-grid {
        grid-template-columns: 1fr;
    }

    .hero-buttons {
        flex-direction: column;
    }
}

/* Modal Styles */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(15, 23, 42, 0.75);
    backdrop-filter: blur(6px);
    z-index: 9999;
    display: flex;
    justify-content: center;
    align-items: center;
    padding: 1.2rem;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

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

.modal-content {
    background: white;
    width: 94%;
    max-width: 620px;
    max-height: 85vh;
    display: flex;
    flex-direction: column;
    border-radius: 16px;
    box-shadow: var(--shadow-xl);
    position: relative;
    transform: translateY(20px);
    transition: transform 0.3s ease;
    overflow: hidden;
    border: 1px solid var(--border-gold-subtle);
}

.modal-overlay.active .modal-content {
    transform: translateY(0);
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 20px;
    background: transparent;
    border: none;
    font-size: 1.8rem;
    color: var(--text-secondary);
    cursor: pointer;
    transition: color 0.3s;
    z-index: 10;
}

.modal-close:hover {
    color: var(--maroon-primary);
}

.modal-header {
    background: var(--bg-cream);
    padding: 1.2rem 1.8rem;
    border-bottom: 1px solid var(--border-gold-subtle);
    flex-shrink: 0;
}

.modal-header h3 {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    color: var(--maroon-primary);
    margin-bottom: 0.2rem;
}

.modal-header p {
    color: var(--text-secondary);
    font-size: 0.88rem;
    margin: 0;
}

.modal-body {
    padding: 1.4rem 1.8rem 1.8rem 1.8rem;
    overflow-y: auto;
    flex: 1;
}

/* Eligibility Step Toggle Fix */
.eligibility-step {
    display: none;
}

.eligibility-step.active-step {
    display: block;
}

.modal-body .form-group {
    margin-bottom: 0.85rem;
}

.modal-body .form-group input,
.modal-body .form-group select,
.modal-body .form-group textarea {
    padding: 0.75rem 1rem;
    font-size: 0.92rem;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.8rem 1rem;
}

.form-grid .full-width {
    grid-column: 1 / -1;
}

.modal-body label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 500;
    color: var(--text-primary);
    font-size: 0.95rem;
}

.radio-group {
    display: flex;
    gap: 1.5rem;
    margin-top: 0.5rem;
}

.radio-group label {
    font-weight: 400;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    cursor: pointer;
}

.eligibility-result {
    margin-top: 1.5rem;
    padding: 1.5rem;
    border-radius: 8px;
    text-align: center;
    transition: all 0.3s;
}

.eligibility-result.hidden {
    display: none;
}

.result-success {
    background: #dcfce7;
    border: 1px solid #86efac;
    color: #166534;
}

.result-fail {
    background: #fee2e2;
    border: 1px solid #fca5a5;
    color: #991b1b;
}

.eligibility-result h4 {
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
}

.eligibility-result p {
    font-size: 0.95rem;
    margin-bottom: 1rem;
}

/* Multi-step Eligibility Modal Added Styles */
.large-modal {
    max-width: 650px;
}

.eligibility-step {
    display: none;
    animation: fadeInStep 0.4s ease forwards;
}

.eligibility-step.active-step {
    display: block;
}

@keyframes fadeInStep {
    from {
        opacity: 0;
        transform: translateY(10px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

.form-grid .full-width {
    grid-column: 1 / -1;
}

.mt-4 {
    margin-top: 1.5rem;
}

.text-center {
    text-align: center;
}

/* Loading Spinner */
.loading-container {
    padding: 3rem 0;
}

.loading-container h4 {
    color: var(--text-primary);
    margin-bottom: 0.5rem;
    font-size: 1.2rem;
}

.loading-container p {
    color: var(--text-secondary);
    font-size: 0.95rem;
}

.spinner {
    width: 50px;
    height: 50px;
    border: 4px solid rgba(2, 132, 199, 0.2);
    border-top-color: var(--primary-color);
    border-radius: 50%;
    margin: 0 auto 1.5rem auto;
    animation: spin 1s linear infinite;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

@media (max-width: 600px) {
    .form-grid {
        grid-template-columns: 1fr;
    }
}

/* =========================================================================
   Standalone Pages (Policies & Corporate)
   ========================================================================= */

/* Subpage Hero Banner */
.sub-hero {
    background: transparent;
    padding: 140px 10% 80px;
    text-align: center;
}

.sub-hero-content h1 {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 1rem;
    color: var(--primary-color);
}

.sub-hero-content p {
    font-size: 1.2rem;
    color: var(--text-secondary);
}

/* Document Grids (Company Policies) */
.policies-section,
.circulars-section {
    padding: 80px 10%;
}

.document-grid {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
}

@media (max-width: 1400px) {
    .document-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

@media (max-width: 1024px) {
    .document-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 768px) {
    .document-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .document-grid {
        grid-template-columns: 1fr;
    }
}

.document-card {
    background: white;
    padding: 1.5rem 1rem;
    border-radius: 12px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-taupe-light);
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    height: 100%;
}

.document-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-md);
    border-color: var(--accent-color);
}

.doc-icon {
    font-size: 2rem;
    color: var(--accent-color);
    margin-bottom: 0.8rem;
}

.doc-info h3 {
    color: var(--primary-color);
    font-size: 1rem;
    margin-bottom: 0.5rem;
    line-height: 1.2;
}

.doc-info p {
    color: var(--text-secondary);
    font-size: 0.8rem;
    margin-bottom: 1.2rem;
    flex-grow: 1;
    line-height: 1.4;
}

.doc-btn {
    width: 100%;
    margin-top: auto;
    padding: 0.4rem 0.8rem;
    font-size: 0.85rem;
}

/* RBI Circulars Timeline List */
.circular-container {
    max-width: 900px;
    margin: 3rem auto 0;
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.circular-item {
    background: white;
    border-radius: 12px;
    padding: 0;
    display: flex;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-taupe-light);
    overflow: hidden;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

@media (max-width: 768px) {
    .circular-item {
        flex-direction: column;
    }
}

.circular-item:hover {
    transform: translateX(10px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary-color);
}

.circular-date {
    background: var(--primary-color);
    color: white;
    padding: 1.5rem;
    min-width: 140px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
}

.circular-date .day {
    font-size: 2.5rem;
    font-weight: 700;
    line-height: 1;
}

.circular-date .month-year {
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    opacity: 0.9;
    margin-top: 0.5rem;
}

.circular-content {
    padding: 0;
    /* Adjusted padding as it's now part of .circular-item padding */
    flex-grow: 1;
}

.circular-badge {
    background: var(--primary-color);
    color: white;
    padding: 0.3rem 0.8rem;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
    display: inline-block;
    margin-bottom: 0.5rem;
}

.circular-content h3 {
    color: var(--primary-color);
    font-size: 1.2rem;
    margin-bottom: 0.8rem;
}

.circular-content p {
    color: var(--text-secondary);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
}

.circular-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--primary-color);
    font-weight: 600;
    text-decoration: none;
    font-size: 0.95rem;
    transition: color 0.3s ease;
}

.circular-link:hover {
    color: var(--primary-color);
    text-decoration: underline;
}

/* Careers Section */
.careers-section {
    padding: 6rem 5%;
    background: var(--bg-cream);
}

.careers-container {
    max-width: 1200px;
    margin: 0 auto;
}

.jobs-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
    margin-top: 3rem;
}

.job-card {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-taupe-light);
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

.job-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--accent-1);
}

.job-card h4 {
    color: var(--primary-color);
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
}

.job-location {
    color: var(--accent-1);
    font-size: 0.9rem;
    font-weight: 500;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.job-desc {
    color: var(--text-secondary);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.hr-btn {
    align-self: flex-start;
}

.hr-details {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-taupe-light);
    text-align: center;
}

.hr-details h3 {
    color: var(--primary-color);
    margin-bottom: 0.5rem;
}

.hr-details p {
    color: var(--text-secondary);
    margin-bottom: 1.5rem;
}

.hr-contact-info {
    display: flex;
    justify-content: center;
    gap: 2rem;
    flex-wrap: wrap;
}

.hr-contact-info span {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 500;
    color: var(--primary-color);
}

.hr-contact-info i {
    color: var(--accent-1);
}

/* Gold Quick Facts Box */
.gold-quick-facts {
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 12px;
    padding: 1.5rem 2rem;
    margin-top: 1rem;
}

.gold-quick-facts h5 {
    color: #f1d270;
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.gold-quick-facts ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.gold-quick-facts ul li {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.9);
}

.gold-quick-facts ul li i {
    color: #f1d270;
    font-size: 0.85rem;
    flex-shrink: 0;
}

.gold-quick-facts ul li strong {
    color: #ffffff;
}

/* ===== Consumer Loans Special Section ===== */
.special-consumer-loan {
    padding: 6rem 5%;
    background: linear-gradient(135deg, #f0fdf4 0%, #e8f5e9 50%, var(--bg-cream) 100%);
    position: relative;
    overflow: hidden;
}

.special-consumer-loan::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(40, 180, 99, 0.08) 0%, transparent 70%);
    pointer-events: none;
}

.consumer-loan-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 5rem;
}

.consumer-loan-image {
    flex: 1;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.12);
}

.consumer-loan-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.consumer-loan-content {
    flex: 1;
}

.consumer-loan-content h2 {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary-color);
    margin-bottom: 1rem;
    line-height: 1.2;
}

.consumer-loan-content>p {
    font-size: 1.05rem;
    color: var(--text-secondary);
    margin-bottom: 2rem;
    line-height: 1.7;
}

.consumer-features {
    display: flex;
    flex-direction: column;
    gap: 1.2rem;
    margin-bottom: 1.8rem;
}

.consumer-feature {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1rem 1.2rem;
    background: white;
    border-radius: 12px;
    border-left: 4px solid var(--gold-bright);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.consumer-feature:hover {
    transform: translateX(5px);
    box-shadow: 0 4px 16px rgba(40, 180, 99, 0.15);
}

.consumer-icon {
    font-size: 1.8rem;
    flex-shrink: 0;
}

.consumer-feature h4 {
    color: var(--primary-color);
    font-size: 1rem;
    margin-bottom: 0.25rem;
}

.consumer-feature p {
    color: var(--text-secondary);
    font-size: 0.9rem;
    margin: 0;
}

/* Consumer Quick Facts */
.consumer-quick-facts {
    background: var(--maroon-deep) !important;
    border-radius: 12px;
    padding: 1.5rem 2rem;
    margin-bottom: 1.5rem;
}

.consumer-quick-facts h5 {
    color: #a8f0c0 !important;
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.consumer-quick-facts ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.7rem;
}

.consumer-quick-facts ul li {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    font-size: 0.9rem;
    color: #e2f5ff !important;
}

.consumer-quick-facts ul li i {
    color: #a8f0c0 !important;
    font-size: 0.8rem;
    margin-top: 3px;
    flex-shrink: 0;
}

.consumer-quick-facts ul li strong {
    color: #ffffff !important;
}

/* Consumer CTA Button */
.btn-consumer {
    background: linear-gradient(135deg, var(--gold-primary), var(--gold-bright));
    color: white;
    font-weight: 600;
    box-shadow: 0 4px 15px rgba(40, 180, 99, 0.35);
    border: none;
}

.btn-consumer:hover {
    background: linear-gradient(135deg, #145a32, var(--gold-primary));
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(40, 180, 99, 0.45);
    color: white;
}

/* Responsive */
@media (max-width: 900px) {
    .consumer-loan-container {
        flex-direction: column;
        gap: 2.5rem;
    }

    .consumer-quick-facts ul {
        grid-template-columns: 1fr;
    }
}

/* ===== Branches Section ===== */
.branches-section {
    padding: 5rem 5%;
    background: var(--bg-primary);
}

.branches-grid {
    max-width: 1200px;
    margin: 2.5rem auto 0;
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    justify-content: center;
}

.branch-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.5rem 1.1rem;
    background: white;
    border: 1.5px solid var(--border-taupe-light);
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--primary-color);
    cursor: pointer;
    text-decoration: none;
    transition: all 0.25s ease;
    box-shadow: 0 1px 4px rgba(0, 0, 0, 0.05);
}

.branch-pill i {
    color: var(--accent-1);
    font-size: 0.8rem;
}

.branch-pill:hover {
    background: var(--accent-1);
    color: white;
    border-color: var(--accent-1);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(2, 132, 199, 0.25);
}

.branch-pill:hover i {
    color: white;
}

.zone-grid {
    max-width: 1200px;
    margin: 2.5rem auto 0;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1.5rem;
}

.zone-card {
    background: white;
    border-radius: 14px;
    padding: 1.5rem;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    border: 1px solid var(--border-taupe-light);
}

.zone-title {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--accent-1);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    border-bottom: 2px solid var(--border-taupe-light);
    padding-bottom: 0.75rem;
}

.zone-title i {
    color: var(--accent-1);
}

.branch-pills-wrap {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.branch-pill--hq {
    background: var(--accent-1) !important;
    color: white !important;
    border-color: var(--accent-1) !important;
}

.branch-pill--hq i {
    color: white !important;
}

/* ===== Service Icon Banners (replaces photos) ===== */
.service-icon-banner {
    width: 100%;
    height: 160px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px 12px 0 0;
}

.service-icon-banner i {
    font-size: 4rem;
    color: rgba(255, 255, 255, 0.9);
    filter: drop-shadow(0 4px 8px rgba(0, 0, 0, 0.2));
    transition: transform 0.3s ease;
}

.service-card:hover .service-icon-banner i {
    transform: scale(1.12);
}

/* ===== Professional Service Cards – Clean Corporate ===== */
.services-premium {
    background: #f4f7fc;
    padding: 5rem 5%;
}

.services-premium .section-header h2 {
    color: var(--primary-color);
}

.services-premium .section-header p {
    color: var(--text-secondary);
}

.services-grid-pro {
    max-width: 1200px;
    margin: 2.5rem auto 0;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.service-card-pro {
    background: #ffffff;
    border: 1px solid #e4eaf3;
    border-radius: 14px;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    box-shadow: 0 2px 14px rgba(0, 0, 0, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
    position: relative;
}

.service-card-pro:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 32px rgba(2, 132, 199, 0.13);
    border-color: var(--accent-1);
}

/* Loan image at top of each card */
.scp-img-wrap {
    width: 100%;
    height: 160px;
    overflow: hidden;
    border-bottom: 1px solid #e4eaf3;
    background: var(--bg-cream);
    flex-shrink: 0;
}

.scp-img-wrap img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.4s ease;
}

.service-card-pro:hover .scp-img-wrap img {
    transform: scale(1.05);
}

.scp-body {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    flex: 1;
    padding: 1.2rem 1.6rem 1.5rem;
}

.scp-body h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--primary-color);
    margin: 0;
}

.scp-body p {
    font-size: 0.875rem;
    color: var(--text-secondary);
    line-height: 1.65;
    margin: 0;
    flex: 1;
}

.scp-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: none;
    border: none;
    color: var(--accent-1);
    font-size: 0.875rem;
    font-weight: 600;
    cursor: pointer;
    padding: 0;
    margin-top: 0.5rem;
    transition: gap 0.25s ease;
}

.scp-btn:hover {
    gap: 0.75rem;
    color: var(--primary-color);
}

@media (max-width: 900px) {
    .services-grid-pro {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 560px) {
    .services-grid-pro {
        grid-template-columns: 1fr;
    }
}

/* ===== Careers Page – Job Cards ===== */
.job-badge {
    display: inline-block;
    background: #dcfce7;
    color: #166534;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    padding: 0.25rem 0.75rem;
    border-radius: 50px;
    margin-bottom: 0.6rem;
}

.job-role-tag {
    font-size: 0.8rem;
    color: var(--accent-1);
    font-weight: 600;
    margin: 0 0 0.3rem;
    display: flex;
    align-items: center;
    gap: 0.35rem;
}

.job-role-tag i {
    font-size: 0.75rem;
}

.hr-btn {
    display: inline-block !important;
    width: auto !important;
    padding: 0.45rem 1.4rem !important;
    font-size: 0.85rem !important;
    margin-top: 1rem;
}

/* Qualification list inside job cards */
.job-qualifications {
    list-style: none;
    padding: 0;
    margin: 0.75rem 0 0;
    display: flex;
    flex-direction: column;
    gap: 0.45rem;
}

.job-qualifications li {
    font-size: 0.83rem;
    color: var(--text-secondary);
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    line-height: 1.4;
}

.job-qualifications li i {
    color: var(--accent-success);
    font-size: 0.78rem;
    margin-top: 0.15rem;
    flex-shrink: 0;
}

/* Card divider line & section label */
.card-divider {
    border: none;
    border-top: 1px solid #e8ecf0;
    margin: 0.85rem 0;
}

.job-qual-label {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-secondary);
    margin: 0 0 0.4rem;
}

/* ===== Jobs Grid – Bold Layout ===== */
.jobs-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    max-width: 1200px;
    margin: 0 auto;
}

.job-card {
    background: #ffffff;
    border-radius: 10px;
    border: 1px solid var(--border-taupe-light);
    border-left: 4px solid var(--accent-1);
    padding: 1.2rem 1.5rem;
    display: flex;
    flex-direction: column;
    gap: 0;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
    transition: box-shadow 0.3s ease, transform 0.3s ease;
    position: relative;
}

.job-card:hover {
    box-shadow: 0 10px 35px rgba(2, 132, 199, 0.14);
    transform: translateY(-4px);
}

.job-card h4 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary-color);
    margin: 0.15rem 0 0.25rem;
    line-height: 1.3;
}

.job-card .job-desc {
    font-size: 0.9rem;
    color: #4b5563;
    line-height: 1.65;
    margin: 0;
}

.job-card .job-location {
    font-size: 0.82rem;
    color: #6b7280;
    margin: 0;
    display: flex;
    align-items: center;
    gap: 0.35rem;
}

.job-card .job-location i {
    color: var(--accent-1);
}

@media (max-width: 900px) {
    .jobs-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 560px) {
    .jobs-grid {
        grid-template-columns: 1fr;
    }
}

/* ============================================================
   NEW SERVICE CARD STYLES (Highlighted / Icon-based Cards)
   ============================================================ */

.scp-highlight {
    border: 2px solid transparent;
    background: linear-gradient(white, white) padding-box,
                var(--gold-gradient) border-box;
    position: relative;
}

.scp-badge-new {
    position: absolute;
    top: 14px;
    right: 14px;
    background: var(--gold-gradient);
    color: white;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    padding: 3px 10px;
    border-radius: 50px;
    z-index: 5;
}

.scp-icon-wrap {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
}

.scp-icon-bg {
    width: 80px;
    height: 80px;
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: 0 8px 24px rgba(0,0,0,0.15);
}

/* ============================================================
   PERSONAL LOAN SECTION
   ============================================================ */

.special-personal-loan {
    padding: 80px 5%;
    background: var(--bg-cream);
}

.personal-loan-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.3fr 1.8fr;
    gap: 4rem;
    align-items: start;
}

.personal-loan-icon-col {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 2rem;
}

.pl-icon-ring {
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: var(--maroon-gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 3.5rem;
    color: white;
    box-shadow: 0 16px 48px rgba(99,102,241,0.35);
    animation: float 3s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

.pl-quick-facts {
    background: white;
    border-radius: 16px;
    padding: 1.6rem 1.8rem;
    border: 1px solid var(--border-taupe-light);
    box-shadow: var(--shadow-sm);
    width: 100%;
    min-width: 260px;
}

.pl-quick-facts h5 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--maroon-primary);
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.pl-quick-facts ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.7rem;
}

.pl-quick-facts ul li {
    font-size: 0.92rem;
    color: var(--text-secondary);
    display: flex;
    align-items: baseline;
    gap: 0.55rem;
    line-height: 1.5;
}

.pl-quick-facts ul li i {
    color: var(--maroon-primary);
    flex-shrink: 0;
    position: relative;
    top: 1px;
}

.personal-loan-content h2 {
    font-size: 2.8rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 1rem;
}

.personal-loan-content > p {
    color: var(--text-secondary);
    font-size: 1.1rem;
    line-height: 1.7;
    margin-bottom: 2rem;
}

.pl-features {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.pl-feature {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.pl-feat-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.pl-feature h4 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 0.3rem;
}

.pl-feature p {
    color: var(--text-secondary);
    font-size: 0.92rem;
    line-height: 1.5;
}

/* ============================================================
   CONSUMER LOAN V2 SECTION
   ============================================================ */

.special-consumer-loan-v2 {
    padding: 80px 5%;
    background: white;
}

.consumer-loan-v2-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 4rem;
    align-items: start;
}

.consumer-loan-v2-content h2 {
    font-size: 2.8rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 1rem;
}

.consumer-loan-v2-content > p {
    color: var(--text-secondary);
    font-size: 1.1rem;
    line-height: 1.7;
    margin-bottom: 2rem;
}

.cl-facts-card {
    background: #fffbf0;
    border: 1px solid #fde68a;
    border-radius: 16px;
    padding: 2rem;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.cl-facts-header {
    font-size: 1rem;
    font-weight: 700;
    color: #d97706;
    margin-bottom: 1.2rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.cl-facts-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
}

.cl-facts-list li {
    font-size: 0.95rem;
    color: var(--text-secondary);
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
}

.cl-facts-list li i {
    color: #f59e0b;
    margin-top: 3px;
    flex-shrink: 0;
}

.cl-facts-emoji {
    position: absolute;
    bottom: -10px;
    right: -5px;
    font-size: 5rem;
    opacity: 0.12;
}

/* ============================================================
   MAHILA LOAN SECTION
   ============================================================ */

.special-mahila-loan {
    padding: 80px 5%;
    background: linear-gradient(135deg, #f0f4ff 0%, #f8faff 100%);
}

.mahila-loan-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 4rem;
    align-items: start;
}

.mahila-loan-content h2 {
    font-size: 2.8rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 1rem;
}

.mahila-loan-content > p {
    color: var(--text-secondary);
    font-size: 1.1rem;
    line-height: 1.7;
    margin-bottom: 2rem;
}

.mahila-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.2rem;
    margin-bottom: 2rem;
}

.mahila-feat-item {
    display: flex;
    align-items: flex-start;
    gap: 0.8rem;
    background: white;
    padding: 1rem;
    border-radius: 12px;
    border: 1px solid #dbeafe;
    box-shadow: var(--shadow-sm);
    transition: transform 0.2s ease;
}

.mahila-feat-item:hover {
    transform: translateY(-3px);
}

.mahila-feat-icon {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    background: var(--maroon-gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1rem;
    flex-shrink: 0;
}

.mahila-feat-item h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 0.25rem;
}

.mahila-feat-item p {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.4;
}

.mahila-visual-card {
    background: var(--maroon-gradient);
    border-radius: 20px;
    padding: 2.5rem;
    color: white;
    text-align: center;
    box-shadow: 0 20px 60px rgba(37, 99, 235, 0.3);
}

.mahila-empowerment-icon {
    font-size: 4rem;
    margin-bottom: 1rem;
}

.mahila-visual-card h3 {
    font-size: 1.6rem;
    font-weight: 900;
    margin-bottom: 0.8rem;
}

.mahila-visual-card p {
    font-size: 0.95rem;
    opacity: 0.85;
    line-height: 1.5;
    margin-bottom: 1.5rem;
}

.mahila-stats {
    display: flex;
    justify-content: center;
    gap: 2rem;
    border-top: 1px solid rgba(255,255,255,0.25);
    padding-top: 1.5rem;
}

.mahila-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.3rem;
}

.mahila-stat-num {
    font-size: 1.8rem;
    font-weight: 900;
    line-height: 1;
}

.mahila-stat-label {
    font-size: 0.8rem;
    opacity: 0.75;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* ============================================================
   INVESTMENT PRODUCTS SECTION
   ============================================================ */

.investments-section {
    padding: 80px 5%;
    background: var(--ink);
    color: white;
}

.investments-section .section-header h2 {
    color: white;
}

.investments-section .section-header p {
    color: #94a3b8;
}

.investments-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 2.5rem;
    max-width: 1200px;
    margin: 0 auto 3rem;
}

.investment-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 20px;
    padding: 2.5rem;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    backdrop-filter: blur(10px);
}

.investment-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 24px 60px rgba(0, 0, 0, 0.3);
}

.ncd-card {
    border-color: rgba(212, 175, 55, 0.3);
    background: rgba(212, 175, 55, 0.05);
}

.sub-debt-card {
    border-color: rgba(99, 102, 241, 0.3);
    background: rgba(99, 102, 241, 0.05);
}

.inv-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1.5rem;
}

.inv-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
}

.ncd-icon {
    background: rgba(212, 175, 55, 0.2);
    color: var(--gold);
    border: 1px solid rgba(212, 175, 55, 0.4);
}

.sub-icon {
    background: rgba(99, 102, 241, 0.2);
    color: var(--gold-bright);
    border: 1px solid rgba(99, 102, 241, 0.4);
}

.inv-badge {
    padding: 0.35rem 1rem;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    background: rgba(212, 175, 55, 0.15);
    color: var(--gold);
    border: 1px solid rgba(212, 175, 55, 0.3);
}

.sub-badge {
    background: rgba(99, 102, 241, 0.15);
    color: var(--gold-bright);
    border-color: rgba(99, 102, 241, 0.3);
}

.investment-card h3 {
    font-size: 1.5rem;
    font-weight: 800;
    color: white;
    margin-bottom: 0.8rem;
}

.investment-card > p {
    color: #94a3b8;
    font-size: 0.97rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.inv-features {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.7rem;
    margin-bottom: 1.5rem;
}

.inv-features li {
    display: flex;
    align-items: center;
    gap: 0.7rem;
    font-size: 0.93rem;
    color: #cbd5e1;
}

.inv-features li i {
    color: var(--gold);
    font-size: 0.85rem;
    flex-shrink: 0;
}

.sub-debt-card .inv-features li i {
    color: var(--gold-bright);
}

.inv-disclaimer {
    background: rgba(212, 175, 55, 0.08);
    border: 1px solid rgba(212, 175, 55, 0.2);
    border-radius: 10px;
    padding: 1rem;
    font-size: 0.82rem;
    color: #94a3b8;
    line-height: 1.5;
    margin-bottom: 1.5rem;
    display: flex;
    gap: 0.6rem;
    align-items: flex-start;
}

.inv-disclaimer i {
    color: var(--gold);
    margin-top: 2px;
    flex-shrink: 0;
}

.inv-highlight-box {
    background: rgba(99, 102, 241, 0.1);
    border: 1px solid rgba(99, 102, 241, 0.25);
    border-radius: 10px;
    padding: 1rem;
    font-size: 0.9rem;
    color: #cbd5e1;
    line-height: 1.5;
    margin-bottom: 1.5rem;
    display: flex;
    gap: 0.8rem;
    align-items: center;
}

.inv-highlight-box i {
    color: var(--gold-bright);
    font-size: 1.2rem;
    flex-shrink: 0;
}

.inv-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    padding: 0.8rem 1.6rem;
    border-radius: 8px;
    font-size: 0.9rem;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
    border: none;
    cursor: pointer;
}

.ncd-btn {
    background: var(--gold);
    color: var(--ink);
}

.ncd-btn:hover {
    background: #b8960f;
    transform: translateY(-2px);
}

.sub-btn {
    background: var(--maroon-gradient);
    color: white;
}

.sub-btn:hover {
    opacity: 0.9;
    transform: translateY(-2px);
}

.inv-legal-note {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 12px;
    padding: 1.2rem 1.5rem;
    color: #64748b;
    font-size: 0.83rem;
    line-height: 1.6;
}

.inv-legal-note i {
    color: var(--maroon-primary);
    margin-top: 3px;
    flex-shrink: 0;
}

/* ============================================================
   RESPONSIVE — NEW SECTIONS
   ============================================================ */

@media (max-width: 900px) {
    .personal-loan-container,
    .consumer-loan-v2-container,
    .mahila-loan-container {
        grid-template-columns: 1fr;
    }

    .personal-loan-icon-col {
        flex-direction: row;
        flex-wrap: wrap;
        justify-content: center;
    }

    .pl-icon-ring {
        width: 100px;
        height: 100px;
        font-size: 2.5rem;
    }

    .mahila-features {
        grid-template-columns: 1fr;
    }

    .investments-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 600px) {
    .personal-loan-content h2,
    .consumer-loan-v2-content h2,
    .mahila-loan-content h2 {
        font-size: 2rem;
    }

    .investment-card {
        padding: 1.8rem;
    }
}

/* =============================================
   Services List Layout (Loan Products Section)
   ============================================= */
.services-list-wrap {
    max-width: 820px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 2.5rem;
}

.services-name-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem 2rem;
    width: 100%;
}

.services-name-list li {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--ink);
    background: #fff;
    border: 1.5px solid var(--border-taupe-light);
    border-radius: 50px;
    padding: 0.75rem 1.4rem;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
    transition: box-shadow 0.2s, border-color 0.2s, transform 0.2s;
    cursor: default;
}

.services-name-list li:hover {
    box-shadow: 0 6px 20px rgba(37,99,235,0.12);
    border-color: var(--gold-primary);
    transform: translateY(-2px);
}

.services-name-list li .fa-circle-check {
    color: var(--gold-primary);
    font-size: 1rem;
    flex-shrink: 0;
}

.badge-new-inline {
    font-size: 0.65rem;
    font-weight: 700;
    text-transform: uppercase;
    background: var(--gold-gradient);
    color: #fff;
    padding: 0.15rem 0.5rem;
    border-radius: 50px;
    letter-spacing: 0.05em;
    margin-left: 0.2rem;
}

.services-eligibility-cta {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.6rem;
}

.btn-eligibility-common {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    background: var(--maroon-gradient);
    color: #fff;
    border: none;
    border-radius: 50px;
    padding: 1rem 2.5rem;
    font-size: 1.05rem;
    font-weight: 700;
    font-family: inherit;
    cursor: pointer;
    box-shadow: 0 6px 20px rgba(37,99,235,0.35);
    transition: transform 0.2s, box-shadow 0.2s;
    letter-spacing: 0.02em;
}

.btn-eligibility-common:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 28px rgba(37,99,235,0.45);
}

.btn-eligibility-common i {
    font-size: 1.1rem;
}

.services-cta-sub {
    font-size: 0.88rem;
    color: #64748b;
    margin: 0;
}

@media (max-width: 768px) {
    .services-name-list {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .services-name-list {
        grid-template-columns: 1fr;
    }
}

/* Real-Time CIBIL Checking & Credit Bureau Styling */
.consent-group {
    background: rgba(184, 138, 68, 0.08);
    padding: 0.8rem 1rem;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-gold-subtle);
    margin-top: 0.5rem;
}

.checkbox-container {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
    font-size: 0.84rem;
    color: var(--text-secondary);
    user-select: none;
}

.checkbox-container input {
    width: auto !important;
    margin-top: 3px;
    cursor: pointer;
}

.consent-text {
    line-height: 1.4;
}

.cibil-scanner-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--maroon-deep);
    color: var(--gold-bright);
    padding: 0.5rem 1.2rem;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    border: 1px solid var(--border-gold-subtle);
}

.cibil-progress-container {
    width: 100%;
    height: 10px;
    background: var(--bg-stone);
    border-radius: 20px;
    overflow: hidden;
    position: relative;
    border: 1px solid var(--border-gold-subtle);
}

.cibil-progress-bar {
    width: 0%;
    height: 100%;
    background: var(--gold-gradient);
    border-radius: 20px;
    transition: width 0.5s ease;
}

.cibil-scan-steps {
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
    text-align: left;
    max-width: 450px;
    margin: 0 auto;
}

.scan-step {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--maroon-primary);
    padding: 0.6rem 1rem;
    background: var(--bg-stone-light);
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-gold-subtle);
    transition: all 0.3s ease;
}

.scan-step.waiting {
    opacity: 0.5;
    color: var(--text-muted);
}

.scan-step.complete {
    background: rgba(31, 122, 82, 0.1);
    color: var(--accent-success);
    border-color: rgba(31, 122, 82, 0.3);
}

.scan-step.complete i {
    color: var(--accent-success);
}

/* CIBIL Score Report Card */
.cibil-report-card {
    background: var(--bg-surface);
    border: 1px solid var(--border-gold-subtle);
    border-radius: var(--radius-sm);
    padding: 1.8rem;
    box-shadow: var(--shadow-md);
    text-align: center;
}

.cibil-report-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid var(--border-gold-subtle);
    padding-bottom: 1rem;
    margin-bottom: 1.5rem;
}

.cibil-report-header h4 {
    font-family: var(--font-heading);
    color: var(--maroon-primary);
    font-size: 1.2rem;
    margin: 0;
}

.cibil-ref-badge {
    font-family: var(--font-mono);
    font-size: 0.8rem;
    background: var(--bg-stone);
    color: var(--maroon-deep);
    padding: 0.3rem 0.8rem;
    border-radius: 4px;
    font-weight: 700;
}

.cibil-score-display {
    display: flex;
    flex-direction: column;
    align-items: center;
    margin-bottom: 1.8rem;
}

.score-circle-outer {
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: conic-gradient(var(--gold-primary) 0deg, var(--gold-bright) 280deg, var(--bg-stone) 280deg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    box-shadow: var(--shadow-gold);
}

.score-circle-inner {
    width: 116px;
    height: 116px;
    border-radius: 50%;
    background: var(--maroon-dark-gradient);
    color: var(--bg-cream);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.score-num {
    font-family: var(--font-mono);
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--gold-bright);
    line-height: 1;
}

.score-max {
    font-size: 0.72rem;
    color: var(--border-taupe);
    text-transform: uppercase;
    margin-top: 2px;
}

.score-category-badge {
    display: inline-block;
    padding: 0.4rem 1.2rem;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.88rem;
    letter-spacing: 0.5px;
}

.badge-excellent {
    background: rgba(31, 122, 82, 0.15);
    color: var(--accent-success);
    border: 1px solid var(--accent-success);
}

.badge-good {
    background: rgba(184, 138, 68, 0.15);
    color: var(--gold-bright);
    border: 1px solid var(--gold-primary);
}

.badge-fair {
    background: rgba(217, 119, 6, 0.15);
    color: #D97706;
    border: 1px solid #D97706;
}

.cibil-metrics-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    background: var(--bg-cream);
    padding: 1.2rem;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-gold-subtle);
    margin-bottom: 1.5rem;
    text-align: center;
}

.metric-box label {
    display: block;
    font-size: 0.75rem;
    color: var(--text-secondary);
    text-transform: uppercase;
    font-weight: 600;
    margin-bottom: 4px;
}

.metric-box span {
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 1.1rem;
    color: var(--maroon-primary);
}

/* Floating Real-Time SMS Notification Toast */
.sms-toast {
    position: fixed;
    top: 90px;
    right: 25px;
    width: 360px;
    background: rgba(28, 20, 16, 0.96);
    backdrop-filter: blur(12px);
    border: 1px solid var(--border-gold-subtle);
    border-radius: 14px;
    box-shadow: 0 16px 40px rgba(0, 0, 0, 0.35);
    padding: 1rem 1.2rem;
    z-index: 9999;
    color: #FAF6F0;
    transform: translateY(-20px) scale(0.95);
    opacity: 0;
    visibility: hidden;
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.sms-toast.show {
    transform: translateY(0) scale(1);
    opacity: 1;
    visibility: visible;
}

.sms-toast-header {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--gold-bright);
    margin-bottom: 6px;
    letter-spacing: 0.5px;
}

.sms-app-icon {
    font-size: 0.9rem;
}

.sms-time {
    margin-left: auto;
    color: var(--border-taupe);
    font-weight: 400;
}

.sms-toast-body {
    font-size: 0.88rem;
    line-height: 1.45;
    color: #FAF6F0;
}