/* Ekta Co-operative Credit Society Ltd. — site styles v2 */
:root{
  --primary:#0b4f8a;
  --primary-dark:#06315a;
  --primary-light:#1a6fb8;
  --accent:#f5a623;
  --accent-dark:#d98c0e;
  --accent-light:#ffd58a;
  --green:#1f9d61;
  --text:#1b2634;
  --muted:#5f6f80;
  --bg:#ffffff;
  --bg-alt:#f3f7fb;
  --bg-soft:#eaf2fa;
  --border:#e2e9f1;
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 8px 30px rgba(6,49,90,.08);
  --shadow-lg:0 24px 60px rgba(6,49,90,.16);
  --max:1180px;
  --font-head:"Poppins","Segoe UI",system-ui,sans-serif;
  --font-body:"Inter","Segoe UI",system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.7;font-size:16px;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
ul{list-style:none}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 22px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.25;color:var(--primary-dark);font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.8vw,3.4rem);line-height:1.15}
h2{font-size:clamp(1.65rem,3.4vw,2.5rem);margin-bottom:.6rem}
h3{font-size:1.2rem;margin-bottom:.4rem}
p{margin-bottom:1rem}
.section{padding:88px 0;position:relative}
.section.alt{background:var(--bg-alt)}
.section.soft{background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%)}
.section-head{text-align:center;max-width:740px;margin:0 auto 52px}
.section-head .eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--accent-dark);font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.76rem;margin-bottom:.7rem}
.section-head .eyebrow::before,.section-head .eyebrow::after{content:"";width:22px;height:2px;background:var(--accent);border-radius:2px}
.section-head p{color:var(--muted);font-size:1.08rem}
.text-center{text-align:center}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.1s}.reveal.d2{transition-delay:.2s}.reveal.d3{transition-delay:.3s}.reveal.d4{transition-delay:.4s}
html.no-js .reveal{opacity:1;transform:none}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;padding:.9rem 1.7rem;border-radius:999px;font-weight:600;border:2px solid transparent;cursor:pointer;transition:.22s;font-size:1rem;line-height:1;font-family:var(--font-head);white-space:nowrap}
.btn svg{width:18px;height:18px}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--accent),#ffbd4a);color:#1a1a1a;border-color:transparent;box-shadow:0 8px 22px rgba(245,166,35,.35)}
.btn-primary:hover{box-shadow:0 12px 28px rgba(245,166,35,.45)}
.btn-outline{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.6);backdrop-filter:blur(4px)}
.btn-outline:hover{background:rgba(255,255,255,.16)}
.btn-dark{background:var(--primary);color:#fff;border-color:var(--primary);box-shadow:0 8px 22px rgba(11,79,138,.3)}
.btn-dark:hover{background:var(--primary-dark);border-color:var(--primary-dark)}
.btn-ghost{background:transparent;color:var(--primary);border-color:var(--primary)}
.btn-ghost:hover{background:var(--primary);color:#fff}
.btn-block{width:100%}
.btn[disabled]{opacity:.65;cursor:not-allowed;transform:none}

/* Top bar */
.topbar{background:var(--primary-dark);color:#cfe0f0;font-size:.84rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;min-height:38px;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
.topbar svg{width:14px;height:14px;display:inline-block;vertical-align:-2px;margin-right:5px;color:var(--accent)}
.topbar .pill{background:rgba(245,166,35,.18);color:var(--accent-light);padding:2px 10px;border-radius:999px;font-size:.76rem;font-weight:600;margin-right:10px}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:0 6px 24px rgba(6,49,90,.08)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;color:var(--primary-dark);font-weight:700;font-family:var(--font-head)}
.brand:hover{text-decoration:none}
.brand-logo{width:54px;height:54px;flex:none;object-fit:contain;filter:drop-shadow(0 3px 6px rgba(6,49,90,.18))}
.brand-name{font-size:1.02rem;line-height:1.15}
.brand-name small{display:block;font-size:.68rem;font-weight:500;color:var(--muted);letter-spacing:.06em;text-transform:uppercase;font-family:var(--font-body)}
.nav ul{display:flex;gap:4px;align-items:center}
.nav a{display:block;padding:.6rem .95rem;border-radius:10px;color:var(--text);font-weight:500;font-size:.95rem;position:relative}
.nav a:hover{background:var(--bg-alt);text-decoration:none;color:var(--primary)}
.nav .nav-cta{background:var(--primary);color:#fff;font-weight:600;margin-left:8px;box-shadow:0 6px 16px rgba(11,79,138,.25)}
.nav .nav-cta:hover{background:var(--primary-dark);color:#fff}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;border-radius:10px}
.nav-toggle span{display:block;width:24px;height:2.5px;background:var(--primary-dark);margin:5px auto;border-radius:2px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* Hero */
.hero{position:relative;background:radial-gradient(1200px 600px at 80% -10%,#1a6fb8 0%,transparent 60%),linear-gradient(135deg,#06315a 0%,#0b4f8a 55%,#0e5c9c 100%);color:#fff;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.08) 1px,transparent 1px);background-size:26px 26px;opacity:.6;mask-image:linear-gradient(180deg,rgba(0,0,0,.9),transparent 80%);-webkit-mask-image:linear-gradient(180deg,rgba(0,0,0,.9),transparent 80%)}
.hero .blob{position:absolute;border-radius:50%;filter:blur(60px);opacity:.55;pointer-events:none}
.hero .blob.b1{width:420px;height:420px;background:#f5a623;right:-120px;top:-140px;opacity:.28}
.hero .blob.b2{width:360px;height:360px;background:#3aa0ff;left:-140px;bottom:-120px;opacity:.35}
.hero .container{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:96px;padding-bottom:120px}
.hero-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:.4rem .9rem .4rem .5rem;border-radius:999px;font-size:.82rem;font-weight:500;margin-bottom:1.2rem;color:#e6f0fa}
.hero-tag i{display:inline-grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--accent);color:#1a1a1a;font-style:normal;font-size:.7rem;font-weight:800}
.hero h1{color:#fff;margin-bottom:1.1rem}
.hero h1 span{color:var(--accent);position:relative;white-space:nowrap}
.hero h1 span::after{content:"";position:absolute;left:0;right:0;bottom:4px;height:8px;background:rgba(245,166,35,.25);border-radius:4px;z-index:-1}
.hero .lead{font-size:1.15rem;color:#d7e5f3;max-width:580px;margin-bottom:1.9rem}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:2.2rem}
.hero-badges{display:flex;gap:22px;flex-wrap:wrap}
.hero-badges li{display:flex;align-items:center;gap:8px;font-size:.92rem;color:#e3edf7}
.hero-badges svg{width:20px;height:20px;color:var(--accent)}
.hero-visual{position:relative}
.hero-card{background:#fff;color:var(--text);border-radius:22px;padding:30px;box-shadow:var(--shadow-lg);position:relative}
.hero-card h3{color:var(--primary-dark);margin-bottom:16px;font-size:1.1rem;display:flex;align-items:center;gap:10px}
.hero-card h3::before{content:"";width:6px;height:22px;border-radius:3px;background:var(--accent)}
.hero-card ul li{display:flex;gap:14px;align-items:flex-start;padding:12px 0;border-top:1px dashed var(--border)}
.hero-card ul li:first-child{border-top:0;padding-top:0}
.hero-card .ic{width:42px;height:42px;flex:none;border-radius:12px;background:linear-gradient(135deg,var(--bg-soft),#fff);border:1px solid var(--border);display:grid;place-items:center;color:var(--primary)}
.hero-card .ic svg{width:22px;height:22px}
.hero-card strong{display:block;color:var(--primary-dark);font-family:var(--font-head);font-size:.98rem}
.hero-card small{color:var(--muted);font-size:.86rem}
.hero-card .card-foot{margin-top:16px;padding-top:14px;border-top:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:10px;font-size:.88rem;color:var(--muted)}
.hero-card .card-foot a{font-weight:600}
.float-chip{position:absolute;background:#fff;color:var(--text);border-radius:14px;padding:12px 16px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:10px;font-size:.86rem;font-weight:600;animation:float 5s ease-in-out infinite}
.float-chip .dot{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;color:#fff}
.float-chip .dot svg{width:18px;height:18px}
.float-chip.c1{top:-26px;left:-30px;animation-delay:.6s}
.float-chip.c1 .dot{background:var(--green)}
.float-chip.c2{bottom:-64px;right:28px}
.float-chip.c2 .dot{background:var(--accent)}
.float-chip small{display:block;font-weight:500;color:var(--muted);font-size:.76rem}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.wave{position:absolute;left:0;right:0;bottom:-1px;line-height:0}
.wave svg{width:100%;height:70px;display:block}

/* Trust strip */
.stats{background:#fff;position:relative;z-index:2;margin-top:-50px}
.stats .container{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:0 22px}
.stat{text-align:left;padding:22px 22px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);display:flex;gap:14px;align-items:center}
.stat .ic{width:48px;height:48px;flex:none;border-radius:12px;background:linear-gradient(135deg,var(--primary),var(--primary-light));color:#fff;display:grid;place-items:center}
.stat .ic svg{width:24px;height:24px}
.stat strong{display:block;font-size:1.05rem;color:var(--primary-dark);line-height:1.2;font-family:var(--font-head)}
.stat span{color:var(--muted);font-size:.85rem}

/* About */
.about-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.about-grid .section-head{text-align:left;margin:0 0 20px}
.about-grid .section-head .eyebrow::before{display:none}
.about-points{display:grid;gap:14px;margin:8px 0 24px}
.about-points li{display:flex;gap:12px}
.about-points svg{width:22px;height:22px;flex:none;color:var(--green);margin-top:3px}
.about-visual{position:relative;padding:12px}
.about-visual::before{content:"";position:absolute;inset:0;border-radius:28px;background:linear-gradient(135deg,var(--accent-light),transparent 60%);transform:rotate(-3deg);z-index:0}
.about-panel{position:relative;background:linear-gradient(160deg,var(--primary),var(--primary-dark));border-radius:22px;padding:40px;color:#fff;box-shadow:var(--shadow-lg);z-index:1;overflow:hidden}
.about-panel::after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:rgba(255,255,255,.05);right:-80px;bottom:-80px}
.about-panel h3{color:var(--accent);margin-bottom:14px;font-size:1.15rem}
.about-panel ul li{padding:9px 0 9px 34px;position:relative;color:#e3edf7;border-bottom:1px solid rgba(255,255,255,.08)}
.about-panel ul li:last-child{border-bottom:0}
.about-panel ul li::before{content:"\2713";position:absolute;left:0;top:10px;width:22px;height:22px;border-radius:50%;background:var(--accent);color:#1a1a1a;font-size:.8rem;font-weight:800;display:grid;place-items:center}
.about-panel .quote{margin-top:22px;padding:16px 18px;background:rgba(255,255,255,.08);border-left:3px solid var(--accent);border-radius:8px;font-style:italic;color:#e3edf7;font-size:.95rem}

/* Mission / vision / values */
.mvv{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px}
.mvv-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:30px 28px;box-shadow:var(--shadow);overflow:hidden;transition:.25s}
.mvv-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--accent)}
.mvv-card:nth-child(2)::before{background:var(--primary)}
.mvv-card:nth-child(3)::before{background:var(--green)}
.mvv-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.mvv-card .icon{width:52px;height:52px;border-radius:14px;background:var(--bg-soft);color:var(--primary);display:grid;place-items:center;margin-bottom:16px}
.mvv-card .icon svg{width:26px;height:26px}
.mvv-card p{color:var(--muted);margin:0;font-size:.96rem}

/* Service cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:26px}
.card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow);transition:.25s;overflow:hidden}
.card::after{content:"";position:absolute;right:-40px;top:-40px;width:120px;height:120px;border-radius:50%;background:var(--bg-soft);transition:.3s;z-index:0}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:#cfe0f0}
.card:hover::after{transform:scale(1.4)}
.card>*{position:relative;z-index:1}
.card .icon{width:58px;height:58px;border-radius:16px;background:linear-gradient(135deg,var(--primary),var(--primary-light));color:#fff;display:grid;place-items:center;margin-bottom:18px;box-shadow:0 8px 18px rgba(11,79,138,.25)}
.card .icon svg{width:28px;height:28px}
.card.accent .icon{background:linear-gradient(135deg,var(--accent),#ffbd4a);color:#1a1a1a;box-shadow:0 8px 18px rgba(245,166,35,.3)}
.card.green .icon{background:linear-gradient(135deg,var(--green),#35c47e);box-shadow:0 8px 18px rgba(31,157,97,.3)}
.card p{color:var(--muted);margin-bottom:.8rem}
.card ul{margin-top:8px}
.card ul li{padding:5px 0 5px 26px;position:relative;font-size:.94rem}
.card ul li::before{content:"\2713";position:absolute;left:0;top:7px;width:17px;height:17px;border-radius:50%;background:#e8f7ee;color:var(--green);font-size:.68rem;font-weight:800;display:grid;place-items:center}
.card .tag{display:inline-block;background:var(--bg-soft);color:var(--primary);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 10px;border-radius:999px;margin-bottom:10px}
.card .card-link{display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-weight:600;font-size:.92rem}
.card .card-link svg{width:16px;height:16px;transition:.2s}
.card .card-link:hover svg{transform:translateX(4px)}

/* Scheme rows (deposits) */
.scheme-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.scheme{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:10px;transition:.25s;position:relative;overflow:hidden}
.scheme:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.scheme .top{display:flex;align-items:center;gap:12px}
.scheme .num{width:44px;height:44px;border-radius:12px;background:var(--bg-soft);color:var(--primary);display:grid;place-items:center;font-family:var(--font-head);font-weight:800;font-size:1.05rem;flex:none}
.scheme h3{margin:0;font-size:1.08rem}
.scheme p{color:var(--muted);font-size:.93rem;margin:0}
.scheme .meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:auto;padding-top:8px}
.scheme .meta span{font-size:.76rem;font-weight:600;color:var(--primary-dark);background:var(--bg-alt);border:1px solid var(--border);padding:3px 10px;border-radius:999px}
.scheme.featured{background:linear-gradient(160deg,var(--primary),var(--primary-dark));border-color:transparent;color:#fff}
.scheme.featured h3,.scheme.featured p{color:#fff}
.scheme.featured .top{padding-right:34px}
.scheme.featured p{color:#d7e5f3}
.scheme.featured .num{background:var(--accent);color:#1a1a1a}
.scheme.featured .meta span{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.2);color:#fff}
.scheme .ribbon{position:absolute;top:16px;right:-34px;background:var(--accent);color:#1a1a1a;font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:4px 36px;transform:rotate(45deg)}

/* Features */
.features{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.feature{padding:28px 24px;border-radius:var(--radius);background:#fff;border:1px solid var(--border);transition:.25s;position:relative}
.feature:hover{border-color:var(--accent);box-shadow:var(--shadow)}
.feature .icon{width:50px;height:50px;border-radius:14px;background:linear-gradient(135deg,#fff5e3,#ffe9c2);color:var(--accent-dark);display:grid;place-items:center;margin-bottom:14px}
.feature .icon svg{width:26px;height:26px}
.feature p{color:var(--muted);margin:0;font-size:.95rem}

/* Benefits band */
.benefits{background:linear-gradient(135deg,#06315a,#0b4f8a);color:#fff;position:relative;overflow:hidden}
.benefits::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1px);background-size:22px 22px}
.benefits .section-head h2,.benefits .section-head p{color:#fff}
.benefits .section-head p{color:#d7e5f3}
.benefits .section-head .eyebrow{color:var(--accent)}
.benefit-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px;position:relative}
.benefit{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:24px;backdrop-filter:blur(6px);transition:.25s}
.benefit:hover{background:rgba(255,255,255,.12);transform:translateY(-4px)}
.benefit svg{width:30px;height:30px;color:var(--accent);margin-bottom:12px}
.benefit h3{color:#fff;font-size:1.05rem}
.benefit p{color:#cfe0f0;margin:0;font-size:.92rem}

/* EMI calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;background:#fff;border:1px solid var(--border);border-radius:22px;padding:36px;box-shadow:var(--shadow-lg)}
.calc h3{font-size:1.25rem;margin-bottom:6px}
.calc .hint{color:var(--muted);font-size:.92rem;margin-bottom:22px}
.range{margin-bottom:22px}
.range .lbl{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;font-weight:600;font-size:.93rem;color:var(--primary-dark)}
.range .lbl output{background:var(--bg-soft);color:var(--primary);padding:4px 12px;border-radius:8px;font-family:var(--font-head);font-weight:700;font-size:.92rem}
.range input[type=range]{width:100%;height:6px;border-radius:3px;background:linear-gradient(90deg,var(--primary) var(--pct,50%),var(--border) var(--pct,50%));appearance:none;-webkit-appearance:none;outline:none}
.range input[type=range]::-webkit-slider-thumb{appearance:none;-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:4px solid var(--primary);box-shadow:0 2px 8px rgba(0,0,0,.2);cursor:pointer}
.range input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:4px solid var(--primary);box-shadow:0 2px 8px rgba(0,0,0,.2);cursor:pointer}
.range .minmax{display:flex;justify-content:space-between;font-size:.76rem;color:var(--muted);margin-top:6px}
.calc-result{background:linear-gradient(160deg,var(--primary),var(--primary-dark));color:#fff;border-radius:18px;padding:30px;display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.calc-result::after{content:"";position:absolute;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.06);right:-70px;top:-70px;pointer-events:none}
.calc-result .big{font-family:var(--font-head);font-size:clamp(2rem,4vw,2.8rem);font-weight:800;color:var(--accent);line-height:1.1;margin:4px 0 2px}
.calc-result .lbl{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:#cfe0f0;font-weight:600}
.calc-result .rows{margin-top:22px;display:grid;gap:10px;position:relative}
.calc-result>*{position:relative;z-index:1}
.calc-result .rows div{display:flex;justify-content:space-between;padding:10px 0;border-top:1px solid rgba(255,255,255,.14);font-size:.95rem}
.calc-result .rows strong{font-family:var(--font-head)}
.calc-result .note{font-size:.76rem;color:#b8cde0;margin-top:18px}
.calc-result .btn{margin-top:18px;align-self:flex-start}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px 22px;counter-reset:step;margin-top:14px;position:relative}
.steps::before{content:"";position:absolute;left:12%;right:12%;top:44px;height:2px;background:repeating-linear-gradient(90deg,var(--border) 0 10px,transparent 10px 18px);z-index:0}
.step{position:relative;padding:40px 24px 26px;background:#fff;border-radius:var(--radius);border:1px solid var(--border);z-index:1;transition:.25s}
.step:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);position:absolute;top:-22px;left:24px;width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,var(--accent),#ffbd4a);color:#1a1a1a;font-family:var(--font-head);font-weight:800;display:grid;place-items:center;box-shadow:0 6px 16px rgba(245,166,35,.4)}
.step p{color:var(--muted);margin:0;font-size:.94rem}

/* Documents checklist */
.docs{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.docs-list{display:grid;gap:12px}
.docs-list li{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);padding:14px 16px;transition:.2s}
.docs-list li:hover{border-color:var(--accent);transform:translateX(4px)}
.docs-list .ic{width:40px;height:40px;border-radius:10px;background:var(--bg-soft);color:var(--primary);display:grid;place-items:center;flex:none}
.docs-list .ic svg{width:20px;height:20px}
.docs-list strong{display:block;font-size:.95rem;color:var(--primary-dark)}
.docs-list small{color:var(--muted);font-size:.82rem}
.docs-note{background:linear-gradient(135deg,#fff5e3,#ffe9c2);border:1px solid #ffdca3;border-radius:var(--radius);padding:22px 24px;margin-top:20px;font-size:.92rem;color:#5a3f0a;display:flex;gap:12px;align-items:flex-start}
.docs-note svg{width:22px;height:22px;flex:none;color:var(--accent-dark);margin-top:2px}
.docs-note p{margin:0}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.contact-info{display:grid;gap:16px}
.info-item{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:20px;transition:.2s}
.info-item:hover{box-shadow:var(--shadow)}
.info-item .ic{width:46px;height:46px;flex:none;border-radius:12px;background:linear-gradient(135deg,var(--primary),var(--primary-light));color:#fff;display:grid;place-items:center}
.info-item .ic svg{width:22px;height:22px}
.info-item strong{display:block;color:var(--primary-dark);margin-bottom:2px;font-family:var(--font-head);font-size:.95rem}
.info-item p{margin:0;color:var(--muted);font-size:.94rem}
.map-wrap{border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow);aspect-ratio:16/10}
.map-wrap iframe{width:100%;height:100%;border:0;display:block}

.form-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:36px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:6px;background:linear-gradient(90deg,var(--primary),var(--accent))}
.form-card h3{margin-bottom:4px;font-size:1.3rem}
.form-card .hint{color:var(--muted);font-size:.93rem;margin-bottom:22px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--primary-dark)}
.field label .req{color:#d33}
.field input,.field select,.field textarea{width:100%;padding:.85rem 1rem;border:1.5px solid var(--border);border-radius:12px;font:inherit;color:var(--text);background:var(--bg-alt);transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--primary);background:#fff;box-shadow:0 0 0 4px rgba(11,79,138,.1)}
.field textarea{min-height:110px;resize:vertical}
.field.error input,.field.error select,.field.error textarea{border-color:#d33;background:#fff7f7}
.field .err-msg{display:none;color:#d33;font-size:.8rem;margin-top:4px}
.field.error .err-msg{display:block}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.83rem;color:var(--muted);line-height:1.55;margin-bottom:20px;padding:14px 16px;background:var(--bg-alt);border:1px solid var(--border);border-radius:12px}
.consent input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--primary)}
.consent a{text-decoration:underline}
.consent.error{border-color:#d33;background:#fff7f7}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.form-alert{padding:14px 16px;border-radius:12px;margin-bottom:18px;font-size:.95rem;display:none}
.form-alert.show{display:block}
.form-alert.success{background:#e8f7ee;color:#176b3a;border:1px solid #bfe6cf}
.form-alert.failure{background:#fdecec;color:#9f2020;border:1px solid #f3c2c2}
.form-trust{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:16px;font-size:.78rem;color:var(--muted)}
.form-trust span{display:inline-flex;align-items:center;gap:5px}
.form-trust svg{width:14px;height:14px;color:var(--green)}

/* FAQ */
.faq{max-width:840px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--border);border-radius:14px;margin-bottom:12px;overflow:hidden;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:#cfe0f0}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:600;color:var(--primary-dark);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px;font-family:var(--font-head);font-size:.98rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:30px;height:30px;border-radius:50%;background:var(--bg-soft);color:var(--primary);display:grid;place-items:center;font-size:1.2rem;line-height:1;transition:.2s}
.faq details[open] summary::after{content:"\2212";background:var(--accent);color:#1a1a1a}
.faq details p{padding:0 22px 18px;color:var(--muted);margin:0}

/* CTA strip */
.cta-strip{background:linear-gradient(135deg,var(--accent),#ffc457);padding:52px 0;position:relative;overflow:hidden}
.cta-strip::before{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:rgba(255,255,255,.18);left:-100px;top:-150px}
.cta-strip::after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:rgba(6,49,90,.08);right:-60px;bottom:-120px}
.cta-strip .container{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;position:relative}
.cta-strip h2{color:#1a1a1a;margin:0}
.cta-strip p{color:#3a2c0a;margin:6px 0 0}
.cta-strip .actions{display:flex;gap:12px;flex-wrap:wrap}

/* Footer */
.site-footer{background:#06233f;color:#b8c9db;padding:64px 0 0;font-size:.95rem;position:relative}
.site-footer::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--primary-light),var(--accent))}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:36px}
.site-footer h4{color:#fff;margin-bottom:16px;font-size:1rem;position:relative;padding-bottom:10px}
.site-footer h4::after{content:"";position:absolute;left:0;bottom:0;width:32px;height:2px;background:var(--accent)}
.site-footer a{color:#dbe7f3}
.site-footer ul li{margin-bottom:9px}
.site-footer ul li a::before{content:"\203A";margin-right:8px;color:var(--accent)}
.site-footer .brand{color:#fff;margin-bottom:14px}
.site-footer .brand small{color:#9fb4c8}
.site-footer address{font-style:normal;line-height:1.8}
.footer-cta{margin-top:14px;display:inline-flex;align-items:center;gap:8px;background:rgba(245,166,35,.14);border:1px solid rgba(245,166,35,.35);color:var(--accent-light)!important;padding:8px 14px;border-radius:999px;font-weight:600;font-size:.9rem}
.footer-cta svg{width:16px;height:16px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding:20px 0;font-size:.84rem;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.footer-bottom p{margin:0}

/* Back to top & sticky call */
.to-top{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;background:var(--primary);color:#fff;border:0;display:none;place-items:center;cursor:pointer;box-shadow:0 8px 20px rgba(6,49,90,.3);z-index:90;transition:.2s}
.to-top:hover{background:var(--primary-dark);transform:translateY(-2px)}
.to-top.show{display:grid}
.to-top svg{width:20px;height:20px}
.call-fab{display:none}

/* Legal pages */
.page-hero{background:radial-gradient(900px 400px at 85% 0%,#1a6fb8 0%,transparent 60%),linear-gradient(135deg,var(--primary-dark),var(--primary));color:#fff;padding:64px 0;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.08) 1px,transparent 1px);background-size:24px 24px}
.page-hero .container{position:relative}
.page-hero h1{color:#fff;margin-bottom:.4rem}
.page-hero p{color:#d7e5f3;margin:0}
.legal{max-width:880px;margin:0 auto;padding:60px 22px}
.legal h2{font-size:1.35rem;margin:2.2rem 0 .75rem;padding-left:14px;border-left:4px solid var(--accent)}
.legal h3{font-size:1.08rem;margin:1.4rem 0 .5rem}
.legal p,.legal li{color:#2e3b4a}
.legal ul,.legal ol{margin:0 0 1rem 1.4rem}
.legal ul{list-style:disc}
.legal ol{list-style:decimal}
.legal li{margin-bottom:.45rem}
.legal .meta{color:var(--muted);font-size:.9rem;margin-bottom:1.5rem;display:inline-block;background:var(--bg-alt);padding:6px 14px;border-radius:999px}
.legal .box{background:var(--bg-alt);border:1px solid var(--border);border-radius:14px;padding:20px 22px;margin:1.2rem 0}
.legal table{width:100%;border-collapse:collapse;margin:1rem 0 1.5rem;font-size:.95rem}
.legal th,.legal td{border:1px solid var(--border);padding:10px 12px;text-align:left;vertical-align:top}
.legal th{background:var(--bg-alt);color:var(--primary-dark)}

/* Responsive */
@media (max-width:1024px){
  .hero .container{grid-template-columns:1fr;padding-top:72px;padding-bottom:110px}
  .hero-visual{max-width:560px}
  .float-chip.c1{left:-8px}
  .float-chip.c2{right:-8px}
  .about-grid,.contact-grid,.docs,.calc{grid-template-columns:1fr}
  .mvv{grid-template-columns:1fr}
  .steps{grid-template-columns:repeat(2,1fr)}
  .steps::before{display:none}
  .footer-grid{grid-template-columns:1fr 1fr}
  .stats .container{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:768px){
  .section{padding:64px 0}
  .nav-toggle{display:block}
  .nav{position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 12px 24px rgba(0,0,0,.08);max-height:0;overflow:hidden;transition:max-height .3s ease}
  .nav.open{max-height:520px}
  .nav ul{flex-direction:column;align-items:stretch;padding:10px 16px 16px;gap:2px}
  .nav a{padding:.85rem .9rem}
  .nav .nav-cta{margin:8px 0 0;text-align:center}
  .topbar .container{justify-content:center;text-align:center}
  .topbar .addr{display:none}
  .form-row{grid-template-columns:1fr}
  .form-card,.calc{padding:24px}
  .brand-name{font-size:.92rem}
  .float-chip{display:none}
  .stats{margin-top:-40px}
  .call-fab{display:flex;position:fixed;left:18px;bottom:18px;z-index:90;align-items:center;gap:8px;background:linear-gradient(135deg,var(--accent),#ffbd4a);color:#1a1a1a;padding:.75rem 1.15rem;border-radius:999px;font-weight:700;box-shadow:0 8px 20px rgba(0,0,0,.25);font-family:var(--font-head)}
  .call-fab svg{width:18px;height:18px}
  .features,.benefit-grid{grid-template-columns:1fr 1fr;gap:14px}
  .feature,.benefit{padding:18px 16px}
  .feature .icon{width:42px;height:42px;margin-bottom:10px}
  .feature h3,.benefit h3{font-size:.98rem}
  .feature p,.benefit p{font-size:.86rem;line-height:1.55}
  .call-fab:hover{text-decoration:none}
}
@media (max-width:520px){
  .brand-name{font-size:.86rem}
  .brand-name small{display:none}
  .brand-logo{width:46px;height:46px}
  .footer-grid,.stats .container,.steps{grid-template-columns:1fr}
  .hero-actions .btn{width:100%}
  .cta-strip .actions{width:100%}
  .cta-strip .actions .btn{flex:1}
  .legal{padding:40px 16px}
  .hero .container{padding-bottom:96px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important;animation:none!important}
  .reveal{opacity:1;transform:none}
}