/* ============================================================
   Abhinav Bankers Capital — Advanced UI Design System
   Light Green Trust Theme + Live Motion
   ============================================================ */

:root {
  /* Brand — Bold Purple Premium */
  --primary: #6B1B7A;
  --primary-mid: #8E2AA0;
  --primary-light: #B14BC4;
  --primary-dark: #3A0A45;

  /* Surfaces — richer lavender */
  --bg: #F5EEF9;
  --bg-alt: #EDE0F5;
  --surface: #FDFBFF;
  --surface-elevated: #ffffff;
  --surface-glass: rgba(253, 251, 255, 0.92);

  /* Accents — stronger orange & gold */
  --accent: #E85D04;
  --accent-hover: #C44A00;
  --accent-soft: rgba(232, 93, 4, 0.16);
  --gold: #FFC107;
  --gold-soft: rgba(255, 193, 7, 0.22);
  --bronze: #D4920A;
  --bronze-light: #F0B429;
  --bronze-shine: linear-gradient(135deg, #F5C84A 0%, #D4920A 40%, #B87A08 70%, #F0B429 100%);
  --danger: #C0392B;
  --success: #1E8449;
  --whatsapp: #25D366;
  --whatsapp-hover: #1DA851;

  /* Text — higher contrast */
  --text: #1A0A22;
  --text-secondary: #3D2A4A;
  --text-muted: #6B5578;
  --text-on-dark: #F8F4FC;
  --text-on-primary: #ffffff;

  /* Borders & shadows — stronger depth */
  --border: rgba(107, 27, 122, 0.14);
  --border-strong: rgba(107, 27, 122, 0.28);
  --shadow-sm: 0 2px 10px rgba(58, 10, 69, 0.09);
  --shadow-md: 0 10px 28px rgba(58, 10, 69, 0.15);
  --shadow-lg: 0 18px 52px rgba(58, 10, 69, 0.2);
  --shadow-glow: 0 0 48px rgba(177, 75, 196, 0.28);

  /* Radius */
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 999px;

  /* Motion */
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
  --duration-fast: 180ms;
  --duration: 320ms;
  --duration-slow: 560ms;

  /* Layout */
  --container: 1140px;
  --header-h: 140px;
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}
body {
  font-family: "Noto Sans Tamil", "Poppins", "Segoe UI Emoji", "Segoe UI Symbol", "Apple Color Emoji", "Noto Color Emoji", "Android Emoji", "EmojiSymbols", system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  position: relative;
}

/* Force emoji rendering on Windows / desktop */
.emoji,
.fc-icon,
.fh-icon,
.step-icon,
.loan-card .icon,
.ci-icon,
.special-item .check {
  font-family: "Segoe UI Emoji", "Segoe UI Symbol", "Apple Color Emoji", "Noto Color Emoji", "Android Emoji", "Twemoji Mozilla", "EmojiOne Color", "EmojiSymbols", sans-serif !important;
  font-style: normal;
  font-weight: normal;
  line-height: 1;
  -webkit-font-feature-settings: "liga" off;
  font-feature-settings: "liga" off;
}

/* Logo watermark — all pages */
body::before {
  content: "";
  position: fixed;
  top: 50%;
  left: 50%;
  width: min(720px, 92vw);
  height: min(720px, 92vw);
  transform: translate(-50%, -50%);
  background: url("logo-abhinav.jpg") center / contain no-repeat;
  opacity: 0.10;
  pointer-events: none;
  z-index: 0;
}

/* Keep page content above watermark */
body > * {
  position: relative;
  z-index: 1;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}

/* ========== TOP BAR ========== */
.top-bar {
  background: var(--primary-dark);
  color: var(--text-on-dark);
  font-size: 0.82rem;
  padding: 8px 0;
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.top-bar a { color: var(--text-on-dark); opacity: 0.92; transition: opacity var(--duration-fast); }
.top-bar a:hover { opacity: 1; }
.top-info { display: flex; gap: 18px; flex-wrap: wrap; align-items: center; }
.top-info span { display: inline-flex; align-items: center; gap: 6px; }

/* ========== HEADER ========== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #c477e0;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  border-bottom: 1px solid rgba(90, 20, 110, 0.25);
  transition: box-shadow var(--duration), border-color var(--duration), background var(--duration);
  overflow: visible;
}
.site-header.scrolled {
  box-shadow: var(--shadow-md);
  border-bottom-color: rgba(90, 20, 110, 0.3);
  background: #c477e0;
}
.header-inner {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 28px 0 18px;
  min-height: 145px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 1;
  min-width: 0;
  transition: transform var(--duration-fast) var(--ease-out);
  text-decoration: none;
}
.logo:hover { transform: scale(1.02); }
.logo img {
  height: 100px;
  width: auto;
  max-height: 100px;
  object-fit: contain;
  background: #ffffff;
  border-radius: 50%;
  padding: 4px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.12);
}
.home-logo-text {
  text-transform: uppercase;
  color: #022C22 !important; /* darker green */
  font-weight: 900 !important;
  background: none !important;
  background-image: none !important;
  padding: 0 !important;
  border: none !important;
  border-radius: 0 !important;
  box-shadow: none !important;
  text-shadow: 0 1px 2px rgba(2, 44, 34, 0.25);
  letter-spacing: 0.03em;
  line-height: 1.22 !important;
  white-space: normal !important;
}
.logo-tagline {
  display: block;
  font-family: "Poppins", sans-serif;
  font-size: 0.55rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: none;
  color: #1a3a2a;
  opacity: 0.85;
  margin-top: 3px;
  line-height: 1.2;
  white-space: nowrap;
}

.logo-pawn {
  display: block;
  font-family: "Poppins", sans-serif;
  font-size: 0.42rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  text-transform: none;
  color: #1a3a2a;
  opacity: 0.8;
  margin-top: 2px;
  line-height: 1.15;
  white-space: nowrap;
}

.logo-license {
  display: inline-block;
  font-family: "Poppins", sans-serif;
  font-size: 0.38rem;
  font-weight: 700;
  letter-spacing: 0.015em;
  text-transform: none;
  color: #24152b;
  opacity: 0.95;
  margin-top: 1px;
  line-height: 1.15;
  white-space: nowrap;
}

.loan-license {
  margin-top: 1px;
}

.logo-text {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  width: max-content;
  max-width: min(58vw, 620px);
  font-size: 1.56rem;
  font-weight: 700;
  line-height: 1.3;
  color: var(--primary);
  letter-spacing: 0.01em;
  text-align: center;
  white-space: normal;
  pointer-events: none;
  z-index: 2;
}

.header-actions { display: flex; align-items: center; gap: 10px; }

/* Nav */
.nav-wrap {
  background: var(--primary);
  border-radius: var(--radius-full);
  margin: 0 auto 12px;
  max-width: 780px;
  box-shadow: var(--shadow-sm);
}
.nav-wrap ul {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 2px;
  padding: 5px 8px;
}
.nav-wrap a {
  display: block;
  color: var(--text-on-primary);
  padding: 9px 16px;
  border-radius: var(--radius-full);
  font-size: 0.88rem;
  font-weight: 500;
  transition: background var(--duration-fast), transform var(--duration-fast);
  position: relative;
}
.nav-wrap a:hover {
  background: rgba(255,255,255,0.15);
}
.nav-wrap a.active {
  background: rgba(255,255,255,0.22);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,0.25);
}
.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  border: none;
  background: var(--primary);
  color: white;
  font-size: 1.25rem;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  transition: background var(--duration-fast), transform var(--duration-fast);
}
.menu-toggle:hover { background: var(--primary-mid); transform: scale(1.05); }

/* ========== BUTTONS ========== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--accent);
  color: white;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.92rem;
  border: none;
  cursor: pointer;
  white-space: nowrap;
  position: relative;
  overflow: hidden;
  transition: background var(--duration-fast), transform var(--duration-fast), box-shadow var(--duration);
  box-shadow: 0 4px 14px rgba(230, 126, 34, 0.35);
}
.btn::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 30%, rgba(255,255,255,0.25) 50%, transparent 70%);
  transform: translateX(-100%);
  transition: transform 0.6s var(--ease-out);
}
.btn:hover {
  background: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(230, 126, 34, 0.45);
}
.btn:hover::after { transform: translateX(100%); }
.btn:active { transform: translateY(0); }
.btn-full { width: 100%; padding: 14px; font-size: 1rem; }
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  box-shadow: none;
}
.btn-outline:hover {
  background: var(--primary);
  color: white;
  box-shadow: var(--shadow-md);
}
.btn-ghost {
  background: rgba(255,255,255,0.15);
  box-shadow: none;
  border: 1px solid rgba(255,255,255,0.3);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.28);
  box-shadow: none;
}

/* ========== HERO ========== */
.hero {
  position: relative;
  background: linear-gradient(125deg, #1A0A24 0%, #3D1A4A 45%, #2A1238 100%);
  color: var(--text-on-dark);
  padding: 56px 0 64px;
  overflow: hidden;
  min-height: 380px;
}
.hero-bg-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: 0.35;
  pointer-events: none;
  animation: floatOrb 12s ease-in-out infinite;
}
.hero-bg-orb.orb-1 {
  width: 320px; height: 320px;
  background: var(--gold);
  top: -80px; right: 10%;
  animation-delay: 0s;
}
.hero-bg-orb.orb-2 {
  width: 220px; height: 220px;
  background: var(--primary-light);
  bottom: -40px; left: 5%;
  animation-delay: -4s;
}
@keyframes floatOrb {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(20px, -16px) scale(1.08); }
}
.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 36px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(244, 197, 66, 0.18);
  border: 1px solid rgba(244, 197, 66, 0.4);
  color: var(--gold);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 16px;
  letter-spacing: 0.3px;
}
.hero-badge .pulse-dot {
  width: 8px; height: 8px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulseDot 1.6s ease-in-out infinite;
}
@keyframes pulseDot {
  0%, 100% { opacity: 1; transform: scale(1); box-shadow: 0 0 0 0 rgba(244,197,66,0.5); }
  50% { opacity: 0.7; transform: scale(0.9); box-shadow: 0 0 0 8px rgba(244,197,66,0); }
}
.hero h1 {
  font-family: "Poppins", sans-serif;
  font-size: clamp(1.75rem, 4.5vw, 2.85rem);
  font-weight: 700;
  line-height: 1.22;
  margin-bottom: 14px;
}
.hero h1 span {
  background: linear-gradient(90deg, var(--accent), #f0a050);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero p {
  font-size: 1.02rem;
  opacity: 0.9;
  margin-bottom: 26px;
  max-width: 460px;
  line-height: 1.65;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-visual {
  text-align: center;
  position: relative;
}
.hero-visual img {
  width: 100%;
  max-width: 440px;
  margin: 0 auto;
  border-radius: var(--radius-lg);
  border: 2px solid rgba(244, 197, 66, 0.35);
  box-shadow: var(--shadow-lg), 0 0 60px rgba(244, 197, 66, 0.15);
  animation: heroFloat 5s ease-in-out infinite;
}
@keyframes heroFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* ========== PAGE BANNER ========== */
.page-banner {
  position: relative;
  background: linear-gradient(125deg, #1A0A24 0%, #3D1A4A 50%, #2A1238 100%);
  color: white;
  padding: 48px 0 44px;
  text-align: center;
  overflow: hidden;
}
.page-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 30%, rgba(244,197,66,0.18) 0%, transparent 55%);
  pointer-events: none;
}
.page-banner h1 {
  font-family: "Poppins", sans-serif;
  font-size: clamp(1.5rem, 4vw, 2.2rem);
  font-weight: 700;
  position: relative;
  margin-bottom: 8px;
}
.page-banner p {
  opacity: 0.88;
  font-size: 0.95rem;
  position: relative;
  max-width: 520px;
  margin: 0 auto;
}

/* ========== GOLD RATE BOX ========== */
.gold-rate-box {
  background: linear-gradient(135deg, #F5F0D8 0%, #E7E8C7 34%, #BFD6B8 68%, #315B46 100%);
  color: #244D3A;
  padding: 14px 12px 12px;
  text-align: center;
  border-bottom: 2px solid #B89A55;
  position: relative;
  overflow: hidden;
}
.gold-rate-box::before {
  content: "";
  position: absolute;
  top: -50%; left: -20%;
  width: 60%; height: 200%;
  background: linear-gradient(90deg, transparent, rgba(244,197,66,0.06), transparent);
  animation: shimmer 4s ease-in-out infinite;
}
@keyframes shimmer {
  0% { transform: translateX(0); }
  100% { transform: translateX(200%); }
}
.gold-rate-box h3 {
  font-family: "Poppins", sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 8px;
  position: relative;
  line-height: 1.35;
}
.gold-rate-grid {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  max-width: 420px;
  margin: 0 auto;
  position: relative;
}
.gold-rate-item {
  background: rgba(244, 197, 66, 0.1);
  border: 1px solid rgba(244, 197, 66, 0.35);
  border-radius: 10px;
  padding: 10px 18px;
  min-width: 140px;
  transition: transform var(--duration) var(--ease-out), box-shadow var(--duration);
}
.gold-rate-item.single {
  min-width: 180px;
  padding: 10px 22px;
  background: rgba(244, 197, 66, 0.14);
  border-color: rgba(244, 197, 66, 0.5);
}
.gold-rate-item:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(244, 197, 66, 0.18);
}
.gold-rate-item .label { font-size: 0.78rem; opacity: 0.9; margin-bottom: 2px; }
.gold-rate-item.single .label { font-size: 0.8rem; }
.gold-rate-item .value {
  font-family: "Poppins", sans-serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1.2;
}
.gold-rate-item.single .value {
  font-size: 1.55rem;
}
.gold-rate-note { margin: 0 0 10px; font-size: 0.72rem; opacity: 0.65; position: relative; line-height: 1.3; }
.rate-edit-btn {
  margin-top: 6px;
  background: rgba(244,197,66,0.15);
  color: var(--gold);
  border: 1px solid rgba(244,197,66,0.45);
  padding: 5px 12px;
  border-radius: var(--radius-full);
  font-size: 0.72rem;
  cursor: pointer;
  font-family: inherit;
  position: relative;
  transition: background var(--duration-fast), transform var(--duration-fast);
}
.rate-edit-btn:hover {
  background: rgba(244,197,66,0.3);
  transform: scale(1.03);
}
@media (max-width: 600px) {
  .gold-rate-box { padding: 10px 10px 8px; }
  .gold-rate-box h3 { font-size: 0.85rem; margin-bottom: 6px; }
  .gold-rate-item.single { min-width: 150px; padding: 8px 16px; }
  .gold-rate-item.single .value { font-size: 1.35rem; }
  .gold-rate-item.single .label { font-size: 0.74rem; }
  .gold-rate-note { font-size: 0.68rem; margin: 0 0 8px; }
  .rate-edit-btn { font-size: 0.68rem; padding: 4px 10px; margin-top: 4px; }
}

/* Modal */
.rate-modal {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  backdrop-filter: blur(6px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--duration), visibility var(--duration);
}
.rate-modal.open {
  opacity: 1;
  visibility: visible;
}
.rate-modal-content {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  max-width: 380px;
  width: 100%;
  position: relative;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-strong);
  transform: translateY(16px) scale(0.96);
  transition: transform var(--duration) var(--ease-out);
}
.rate-modal.open .rate-modal-content {
  transform: translateY(0) scale(1);
}
.rate-modal-content h3 { font-size: 1.15rem; margin-bottom: 8px; color: var(--text); }
.rate-modal-close {
  position: absolute;
  top: 12px; right: 16px;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-muted);
  line-height: 1;
  transition: color var(--duration-fast);
}
.rate-modal-close:hover { color: var(--text); }

/* ========== SECTIONS ========== */
.section { padding: 60px 0; }
.section-alt { background: var(--bg-alt); }
.section-title {
  text-align: center;
  margin-bottom: 40px;
}
.section-title h2 {
  font-family: "Poppins", sans-serif;
  font-size: clamp(1.4rem, 3vw, 1.85rem);
  color: var(--primary-dark);
  font-weight: 700;
  margin-bottom: 8px;
}
.section-title p {
  color: var(--text-secondary);
  max-width: 560px;
  margin: 0 auto;
  font-size: 0.95rem;
}

/* ========== STEPS ========== */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.step {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 28px 18px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: transform var(--duration) var(--ease-out), box-shadow var(--duration), border-color var(--duration);
  position: relative;
  overflow: hidden;
}
.step::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration) var(--ease-out);
}
.step:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-strong);
}
.step:hover::before { transform: scaleX(1); }
.step-icon {
  width: 60px; height: 60px;
  margin: 0 auto 14px;
  background: linear-gradient(145deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  font-weight: 700;
  font-family: "Poppins", sans-serif;
  color: white;
  box-shadow: 0 6px 16px rgba(91, 44, 111, 0.35);
  transition: transform var(--duration) var(--ease-spring);
  position: relative;
}
.step:hover .step-icon { transform: scale(1.1) rotate(-6deg); }
.step[data-step="1"] .step-icon::before,
.step[data-step="2"] .step-icon::before,
.step[data-step="3"] .step-icon::before,
.step[data-step="4"] .step-icon::before {
  font-family: "Poppins", sans-serif;
  font-weight: 700;
  color: #fff;
  font-size: 1.35rem;
  line-height: 1;
}
.step[data-step="1"] .step-icon::before { content: "1"; }
.step[data-step="2"] .step-icon::before { content: "2"; }
.step[data-step="3"] .step-icon::before { content: "3"; }
.step[data-step="4"] .step-icon::before { content: "4"; }
.step h3 {
  font-size: 1rem;
  margin-bottom: 6px;
  color: var(--primary-dark);
  line-height: 1.35;
}
.step p { font-size: 0.86rem; color: var(--text-secondary); line-height: 1.5; }

/* ========== RATE BANNER ========== */
.rate-banner {
  background: linear-gradient(135deg, var(--primary), var(--primary-mid));
  color: white;
  padding: 32px 24px;
  border-radius: var(--radius-lg);
  text-align: center;
  margin: 28px 0;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.rate-banner::after {
  content: "";
  position: absolute;
  width: 180px; height: 180px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  top: -60px; right: -40px;
}
.rate-banner .rate-label {
  opacity: 1;
  margin: 0;
  color: var(--bronze-light);
  font-weight: 700;
  font-size: 1.05rem;
  position: relative;
}
.rate-banner .rate {
  font-family: "Poppins", sans-serif;
  font-size: 2.5rem;
  font-weight: 700;
  background: var(--bronze-shine);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin: 8px 0;
  position: relative;
  filter: drop-shadow(0 2px 10px rgba(201, 138, 58, 0.55));
  animation: ratePulse 2.4s ease-in-out infinite;
}
@keyframes ratePulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.03); }
}
.rate-banner ul {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px 18px;
  margin-top: 14px;
  font-size: 0.88rem;
  position: relative;
}

/* ========== CARDS GRID ========== */
.why-grid, .loan-cards, .special-grid {
  display: grid;
  gap: 18px;
}
.why-grid { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.loan-cards { grid-template-columns: repeat(3, 1fr); }
.special-grid { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }

.why-card, .loan-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 26px 22px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: transform var(--duration) var(--ease-out), box-shadow var(--duration), border-color var(--duration);
}
.why-card {
  border-top: 4px solid var(--primary);
}
.why-card:hover, .loan-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-strong);
}
.loan-card { text-align: center; }
.loan-card .icon {
  font-size: 2.4rem;
  margin-bottom: 12px;
  display: inline-block;
  transition: transform var(--duration) var(--ease-spring);
}
.loan-card:hover .icon { transform: scale(1.15) rotate(-8deg); }
.why-card h3, .loan-card h3 {
  font-size: 1.08rem;
  color: var(--primary-dark);
  margin-bottom: 8px;
}
.why-card p, .loan-card p {
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.special-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: var(--surface);
  padding: 16px 18px;
  border-radius: var(--radius);
  font-size: 0.92rem;
  border: 1px solid var(--border);
  transition: transform var(--duration-fast), box-shadow var(--duration-fast);
}
.special-item:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow-sm);
}
.special-item .check {
  color: var(--primary);
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.highlight-red,
.highlight-gold {
  background: var(--bronze-shine);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-weight: 700;
  filter: drop-shadow(0 1px 6px rgba(201, 138, 58, 0.35));
}

/* ========== HOW IT WORKS ========== */
.how-list { max-width: 780px; margin: 0 auto; }
.how-item {
  display: flex;
  gap: 18px;
  margin-bottom: 28px;
  align-items: flex-start;
}
.how-num {
  width: 48px; height: 48px;
  background: #6B1B7A !important;
  background-image: linear-gradient(145deg, #6B1B7A, #8E2AA0) !important;
  color: #ffffff !important;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  flex-shrink: 0;
  font-size: 1.2rem;
  box-shadow: 0 4px 16px rgba(107, 27, 122, 0.45);
  transition: transform var(--duration) var(--ease-spring);
  font-family: "Poppins", sans-serif !important;
  border: 2px solid rgba(255, 255, 255, 0.25);
  -webkit-print-color-adjust: exact;
  print-color-adjust: exact;
  line-height: 1;
  z-index: 1;
}
.how-item:hover .how-num { transform: scale(1.12); }
.how-item h3 { font-size: 1.08rem; margin-bottom: 4px; color: var(--primary-dark); }
.how-item p { color: var(--text-secondary); font-size: 0.92rem; }

/* ========== DUAL / SERVICES ========== */
.dual-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  align-items: start;
}
.dual-content h2 {
  font-size: 1.5rem;
  color: var(--primary-dark);
  margin-bottom: 14px;
  line-height: 1.35;
}
.dual-content > div > p {
  margin-bottom: 12px;
  color: var(--text-secondary);
  font-size: 0.95rem;
}
.features-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin: 20px 0;
}
.features-list li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.92rem;
}
.features-list li::before {
  content: "✓";
  color: var(--primary);
  font-weight: 700;
  flex-shrink: 0;
}

/* ========== FORM ========== */
.loan-form {
  background: var(--surface-elevated);
  border-radius: var(--radius-xl);
  padding: 0;
  box-shadow: var(--shadow-lg), 0 0 0 1px var(--border);
  border: none;
  overflow: hidden;
  position: relative;
}
.loan-form::before {
  content: "";
  display: block;
  height: 5px;
  background: linear-gradient(90deg, var(--primary), var(--bronze-light), var(--accent));
}
.loan-form-header {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: white;
  padding: 22px 24px 18px;
  text-align: center;
}
.loan-form-header h3 {
  font-size: 1.3rem;
  color: white;
  margin-bottom: 4px;
  font-weight: 700;
}
.loan-form .form-sub {
  text-align: center;
  font-size: 0.86rem;
  color: rgba(255,255,255,0.85);
  margin: 0;
}
.loan-form form {
  padding: 24px 24px 28px;
}
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 0.86rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--primary-dark);
  letter-spacing: 0.2px;
}
.form-group label .req { color: var(--danger); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border-strong);
  border-radius: 12px;
  font-size: 0.95rem;
  background: #FDFBFF;
  transition: border-color var(--duration-fast), box-shadow var(--duration-fast), background var(--duration-fast), transform var(--duration-fast);
  color: var(--text);
}
.form-group input::placeholder,
.form-group textarea::placeholder {
  color: #9A88A8;
}
.form-group input:hover,
.form-group select:hover,
.form-group textarea:hover {
  border-color: var(--primary-light);
  background: #fff;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(107, 27, 122, 0.16);
  transform: translateY(-1px);
}
.form-group textarea { min-height: 90px; resize: vertical; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 20px 0 18px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  background: var(--bg-alt);
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid var(--border);
}
.checkbox-group input {
  margin-top: 3px;
  width: 18px; height: 18px;
  accent-color: var(--primary);
  flex-shrink: 0;
}
.loan-form .btn-full {
  margin-top: 4px;
  padding: 15px;
  font-size: 1.02rem;
  border-radius: 12px;
  letter-spacing: 0.3px;
}

/* ========== CTA ========== */
.cta {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: white;
  padding: 56px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta::before {
  content: "";
  position: absolute;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
  top: -100px; left: -80px;
  animation: floatOrb 10s ease-in-out infinite;
}
.cta h2 { font-size: 1.65rem; margin-bottom: 10px; position: relative; }
.cta p {
  opacity: 0.9;
  margin-bottom: 22px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
  font-size: 0.95rem;
  position: relative;
}

/* ========== FOOTER ========== */
.site-footer {
  background: #140A1C;
  color: #C8B8D8;
  padding: 52px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
  gap: 32px;
  margin-bottom: 32px;
}
.site-footer h4 {
  color: white;
  font-size: 1.05rem;
  margin-bottom: 14px;
  font-weight: 600;
}
.site-footer p, .site-footer li {
  font-size: 0.88rem;
  margin-bottom: 6px;
  line-height: 1.55;
}
.site-footer a {
  transition: color var(--duration-fast);
}
.site-footer a:hover { color: var(--gold); }
.contact-item {
  display: flex;
  gap: 10px;
  margin-bottom: 12px;
  align-items: flex-start;
  font-size: 0.88rem;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 20px;
  text-align: center;
  font-size: 0.8rem;
  color: #8A7A9A;
}

/* ========== SCROLL REVEAL ========== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.08s; }
.reveal-delay-2 { transition-delay: 0.16s; }
.reveal-delay-3 { transition-delay: 0.24s; }
.reveal-delay-4 { transition-delay: 0.32s; }
.reveal-delay-5 { transition-delay: 0.4s; }
.reveal-left {
  opacity: 0;
  transform: translateX(-32px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}
.reveal-left.visible { opacity: 1; transform: translateX(0); }
.reveal-right {
  opacity: 0;
  transform: translateX(32px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}
.reveal-right.visible { opacity: 1; transform: translateX(0); }
.reveal-scale {
  opacity: 0;
  transform: scale(0.92);
  transition: opacity 0.6s var(--ease-out), transform 0.6s var(--ease-out);
}
.reveal-scale.visible { opacity: 1; transform: scale(1); }

/* ========== CONTACT INFO CARDS ========== */
.contact-info-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 18px;
  border: 1px solid var(--border);
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 14px;
  transition: transform var(--duration-fast), box-shadow var(--duration);
}
.contact-info-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.contact-info-card .ci-icon {
  width: 44px; height: 44px;
  background: linear-gradient(145deg, var(--primary), var(--primary-mid));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  color: white;
  flex-shrink: 0;
}
.contact-info-card strong {
  display: block;
  color: var(--primary-dark);
  margin-bottom: 2px;
  font-size: 0.92rem;
}
.contact-info-card span, .contact-info-card a {
  font-size: 0.88rem;
  color: var(--text-secondary);
}

/* ========== RESPONSIVE ========== */
@media (max-width: 1000px) {
  .loan-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; text-align: center; }
  .hero p { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-visual { order: -1; }
  .hero-visual img { max-width: 320px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .dual-content { grid-template-columns: 1fr; }
  .loan-cards { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-wrap { display: none; }
  .nav-wrap.open {
    display: block;
    border-radius: var(--radius);
    margin-bottom: 12px;
  }
  .nav-wrap.open ul { flex-direction: column; padding: 10px; }
  .menu-toggle { display: flex; }
  .form-row { grid-template-columns: 1fr; }
  .features-list { grid-template-columns: 1fr; }
  .logo img { height: 78px; max-height: 78px; padding: 3px; }
  .logo-text {
    font-size: 1.1rem;
    line-height: 1.25;
    max-width: 54vw;
  }
  .home-logo-text {
    padding: 0 !important;
    border-radius: 0 !important;
    color: #022C22 !important;
    background: none !important;
    font-weight: 900 !important;
  }
  .header-inner { padding: 18px 0 14px; gap: 10px; min-height: 115px; }
  .logo { gap: 8px; max-width: calc(100% - 110px); }
}
@media (max-width: 600px) {
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .top-info { font-size: 0.72rem; gap: 6px; }
  .section { padding: 44px 0; }
  .loan-form { padding: 20px 16px; }
  .rate-banner .rate { font-size: 2rem; }
  .logo img { height: 72px; max-height: 72px; padding: 3px; }
  .logo-text {
    font-size: 0.78rem;
    line-height: 1.2;
    max-width: 46vw;
  }
  .home-logo-text {
    padding: 0 !important;
    border-radius: 0 !important;
    color: #022C22 !important;
    background: none !important;
    font-weight: 900 !important;
  }
  .header-inner { padding: 14px 0 12px; gap: 8px; min-height: 100px; }
  .logo { gap: 6px; max-width: calc(100% - 100px); }
  .top-bar { padding: 6px 0; font-size: 0.75rem; }
  .btn { padding: 8px 14px; font-size: 0.85rem; }
  .menu-toggle { width: 40px; height: 40px; font-size: 1.1rem; }
}

/* Focus visible for a11y */
:focus-visible {
  outline: 3px solid var(--primary-light);
  outline-offset: 2px;
}
.btn:focus-visible { outline-color: var(--accent); }


/* ========== FEATURE HIGHLIGHT CARDS (Home) ========== */
.feature-showcase {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.feature-card {
  background: var(--surface-elevated);
  border-radius: 18px;
  padding: 26px 22px;
  border: 1.5px solid var(--border-strong);
  box-shadow: var(--shadow-sm);
  transition: transform var(--duration) var(--ease-out), box-shadow var(--duration), border-color var(--duration);
  position: relative;
  overflow: hidden;
  min-height: 180px;
}
/* Corner L-shape — always visible on desktop & mobile */
.feature-card::before {
  content: "";
  position: absolute;
  top: 12px; right: 12px;
  width: 28px; height: 28px;
  border-top: 3px solid var(--primary-light);
  border-right: 3px solid var(--primary-light);
  border-radius: 0 6px 0 0;
  opacity: 0.7;
}
/* Soft circle decoration */
.feature-card::after {
  content: "";
  position: absolute;
  bottom: -20px; right: -20px;
  width: 80px; height: 80px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(155, 89, 182, 0.12) 0%, transparent 70%);
  pointer-events: none;
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary-light);
}
.feature-card .fc-icon {
  width: 52px; height: 52px;
  background: linear-gradient(145deg, var(--primary), var(--primary-light));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  box-shadow: 0 6px 16px rgba(91, 44, 111, 0.3);
  flex-shrink: 0;
  font-size: 1.5rem;
  color: #fff;
  line-height: 1;
}
.feature-card .fc-icon svg {
  width: 26px; height: 26px;
  fill: none;
  stroke: #fff;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.feature-card h3 {
  font-size: 1.02rem;
  color: var(--primary-dark);
  margin-bottom: 6px;
  line-height: 1.35;
  font-weight: 600;
}
.feature-card p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.5;
  margin: 0;
}
.feature-highlight-banner {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary-mid));
  color: white;
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
  box-shadow: var(--shadow-md);
}
.feature-highlight-banner .fh-icon {
  width: 52px; height: 52px;
  background: rgba(255,255,255,0.18);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.feature-highlight-banner .fh-icon svg {
  width: 28px; height: 28px;
  fill: none;
  stroke: #fff;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.feature-highlight-banner p {
  margin: 0;
  font-size: 0.98rem;
  line-height: 1.5;
  opacity: 0.95;
}

/* Ensure reveal elements visible if JS delayed */
.reveal, .reveal-left, .reveal-right, .reveal-scale {
  will-change: opacity, transform;
}
@media (min-width: 901px) {
  .feature-showcase { grid-template-columns: repeat(4, 1fr); }
}
@media (max-width: 1000px) {
  .feature-showcase { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .feature-showcase { grid-template-columns: 1fr; }
}


/* Loan card numeric icons — desktop-safe */
.loan-card .icon.icon-num {
  width: 56px;
  height: 56px;
  margin: 0 auto 14px;
  background: linear-gradient(145deg, var(--primary), var(--primary-light));
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  font-weight: 700;
  font-family: "Poppins", sans-serif;
  color: #fff;
  box-shadow: 0 6px 16px rgba(91, 44, 111, 0.3);
}
.loan-card .icon.icon-num {
  font-size: 1.15rem !important;
}


/* Desktop safety: shapes always have solid background */
.step-icon,
.fc-icon,
.loan-card .icon.icon-num,
.ci-icon {
  -webkit-print-color-adjust: exact;
  print-color-adjust: exact;
  background-image: none;
}

/* If animations never fire, content still readable */
@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal-left, .reveal-right, .reveal-scale {
    opacity: 1 !important;
    transform: none !important;
  }
}


/* Twemoji images — same size as text emoji */
img.twemoji {
  height: 1.15em;
  width: 1.15em;
  margin: 0 0.05em;
  vertical-align: -0.15em;
  display: inline-block;
}
.fc-icon img.twemoji,
.fh-icon img.twemoji,
.step-icon img.twemoji {
  height: 1.5em;
  width: 1.5em;
  vertical-align: middle;
}
.loan-card .icon img.twemoji {
  height: 1.8em;
  width: 1.8em;
}


/* ===== Desktop-safe icons & buttons (restore) ===== */
.step-icon {
  width: 60px !important;
  height: 60px !important;
  margin: 0 auto 14px !important;
  background: linear-gradient(145deg, var(--primary), var(--primary-light)) !important;
  border-radius: 50% !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 1.5rem !important;
  color: #fff !important;
  box-shadow: 0 6px 16px rgba(91, 44, 111, 0.3) !important;
  line-height: 1 !important;
}

.loan-card .icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 14px;
  background: linear-gradient(145deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex !important;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem !important;
  line-height: 1;
  color: #fff;
  box-shadow: 0 6px 16px rgba(91, 44, 111, 0.28);
  transition: transform var(--duration) var(--ease-spring);
}
.loan-card:hover .icon {
  transform: scale(1.12) rotate(-6deg);
}

.btn {
  display: inline-flex !important;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--accent) !important;
  color: #fff !important;
  padding: 12px 22px !important;
  border-radius: var(--radius-sm) !important;
  font-weight: 600 !important;
  font-size: 0.92rem !important;
  border: none !important;
  cursor: pointer;
  text-decoration: none !important;
  box-shadow: 0 4px 14px rgba(230, 126, 34, 0.35) !important;
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
}
.btn:hover {
  background: var(--accent-hover) !important;
  transform: translateY(-2px);
  color: #fff !important;
}
.btn-ghost {
  background: rgba(255,255,255,0.15) !important;
  border: 1px solid rgba(255,255,255,0.3) !important;
  box-shadow: none !important;
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.28) !important;
}

.fc-icon, .fh-icon {
  font-size: 1.5rem !important;
  line-height: 1 !important;
}


/* ===== Announcement bar (top) ===== */
.announce-bar {
  background: linear-gradient(90deg, var(--primary-dark), var(--primary), var(--primary-mid));
  color: #fff;
  padding: 10px 0;
  font-size: 0.88rem;
  border-bottom: 2px solid rgba(244, 197, 66, 0.45);
}
.announce-inner {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: center;
  text-align: center;
}
.announce-tag {
  background: var(--gold);
  color: #2a1a10;
  font-weight: 700;
  font-size: 0.75rem;
  padding: 3px 10px;
  border-radius: 999px;
  white-space: nowrap;
  letter-spacing: 0.3px;
}
.announce-inner p {
  margin: 0;
  line-height: 1.45;
  opacity: 0.95;
}
.announce-inner strong {
  color: var(--gold);
  font-weight: 700;
}
.cta-highlight {
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  font-size: 1.02rem !important;
  line-height: 1.55 !important;
}
.cta-highlight strong {
  color: var(--gold);
}
.footer-owners {
  text-align: center;
  padding: 16px 0 8px;
  font-size: 0.92rem;
  color: #E8D4F0;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin-top: 8px;
}
.footer-owners .owner-label {
  color: #fff;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.4px;
  margin-bottom: 8px;
  opacity: 0;
  animation: ownerFadeIn 0.6s ease forwards;
}
.footer-owners .owner-names {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 8px 12px;
}
.footer-owners .owner-name {
  color: var(--gold);
  font-weight: 600;
  font-size: 0.98rem;
  opacity: 0;
  transform: translateY(10px);
  animation: ownerSlideIn 0.55s var(--ease-out) forwards;
}
.footer-owners .owner-1 {
  animation-delay: 0.35s;
}
.footer-owners .owner-2 {
  animation-delay: 0.75s;
}
.footer-owners .owner-sep {
  color: rgba(255,255,255,0.35);
  opacity: 0;
  animation: ownerFadeIn 0.4s ease forwards;
  animation-delay: 0.55s;
}
@keyframes ownerFadeIn {
  to { opacity: 1; }
}
@keyframes ownerSlideIn {
  to { opacity: 1; transform: translateY(0); }
}
@media (max-width: 500px) {
  .footer-owners .owner-names {
    flex-direction: column;
    gap: 6px;
  }
  .footer-owners .owner-sep {
    display: none;
  }
}
@media (max-width: 900px) {
  .logo img { height: 78px !important; max-height: 78px; padding: 3px; }
  .logo-text { font-size: 1.1rem; max-width: 54vw; }
  .announce-inner { font-size: 0.82rem; }
  .logo-tagline { font-size: 0.48rem; }
  .logo-pawn { font-size: 0.38rem; }
}
@media (max-width: 600px) {
  .logo img { height: 72px !important; max-height: 72px; padding: 3px; }
  .logo-text { font-size: 0.78rem; max-width: 46vw; }
  .logo-tagline { font-size: 0.42rem; }
  .logo-pawn { font-size: 0.34rem; }
}

/* ========== HERO FULL-WIDTH SCROLL STRIP (creative RTL) ========== */
.hero-scroll-strip {
  position: relative;
  z-index: 2;
  width: 100%;
  overflow: hidden;
  background: linear-gradient(90deg,
    rgba(255, 193, 7, 0.12) 0%,
    rgba(177, 75, 196, 0.18) 35%,
    rgba(255, 193, 7, 0.14) 70%,
    rgba(177, 75, 196, 0.16) 100%);
  border-bottom: 1px solid rgba(255, 193, 7, 0.35);
  padding: 11px 0;
  margin-bottom: 8px;
}
.hero-scroll-strip::before,
.hero-scroll-strip::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  width: 48px;
  z-index: 3;
  pointer-events: none;
}
.hero-scroll-strip::before {
  left: 0;
  background: linear-gradient(90deg, rgba(18, 6, 26, 0.95), transparent);
}
.hero-scroll-strip::after {
  right: 0;
  background: linear-gradient(270deg, rgba(18, 6, 26, 0.95), transparent);
}
.hero-scroll-track {
  display: flex;
  width: max-content;
  animation: heroScrollRTL 42s linear infinite;
}
.hero-scroll-strip:hover .hero-scroll-track {
  animation-play-state: paused;
}
.hero-scroll-group {
  display: flex;
  align-items: center;
  gap: 8px;
  padding-right: 8px;
  white-space: nowrap;
}
.hs-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: rgba(255, 248, 230, 0.95);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.15px;
  padding: 4px 4px;
}
.hs-check {
  color: #7CFC9A;
  font-weight: 800;
  font-size: 0.95rem;
}
.hs-dot {
  color: rgba(255, 193, 7, 0.55);
  font-size: 0.7rem;
  padding: 0 6px;
}
.hs-pill {
  display: inline-flex;
  align-items: center;
  padding: 5px 14px;
  border-radius: 999px;
  font-weight: 800;
  font-size: 0.88rem;
  letter-spacing: 0.3px;
  margin: 0 6px;
}
.hs-rate {
  background: linear-gradient(135deg, #FFC107, #FFE082);
  color: #2A1208;
  box-shadow: 0 2px 12px rgba(255, 193, 7, 0.4);
}
@keyframes heroScrollRTL {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .hero-scroll-track { animation: none; }
}
@media (max-width: 600px) {
  .hero-scroll-strip { padding: 9px 0; }
  .hs-item { font-size: 0.82rem; }
  .hs-rate { font-size: 0.8rem; padding: 4px 11px; }
  .hero-scroll-strip::before,
  .hero-scroll-strip::after { width: 28px; }
}

/* ========== FLOATING CALL + WHATSAPP ========== */
.float-contact {
  position: fixed;
  bottom: 22px;
  right: 18px;
  z-index: 9990;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-end;
}
.float-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  border-radius: var(--radius-full);
  color: #fff !important;
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none !important;
  box-shadow: 0 8px 24px rgba(0,0,0,0.22);
  transition: transform 0.25s var(--ease-out), box-shadow 0.25s, filter 0.2s;
  border: none;
  cursor: pointer;
  line-height: 1;
}
.float-btn:hover {
  transform: translateY(-3px) scale(1.04);
  box-shadow: 0 12px 32px rgba(0,0,0,0.28);
  filter: brightness(1.08);
}
.float-btn:active { transform: scale(0.98); }
.float-btn .float-icon {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}
.float-btn .float-icon svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}
.float-btn .float-label {
  white-space: nowrap;
}
.float-btn-call {
  background: linear-gradient(135deg, #6B1B7A, #8E2AA0);
}
.float-btn-wa {
  background: linear-gradient(135deg, #1DA851, #25D366);
}
.float-btn-pulse {
  position: relative;
}
.float-btn-pulse::before {
  content: "";
  position: absolute;
  inset: -4px;
  border-radius: inherit;
  background: inherit;
  opacity: 0.45;
  z-index: -1;
  animation: floatPulse 2.2s ease-out infinite;
}
@keyframes floatPulse {
  0% { transform: scale(1); opacity: 0.45; }
  70% { transform: scale(1.18); opacity: 0; }
  100% { transform: scale(1.18); opacity: 0; }
}
@media (max-width: 600px) {
  .float-contact {
    bottom: 16px;
    right: 12px;
    gap: 10px;
  }
  .float-btn {
    padding: 11px 13px;
    font-size: 0.82rem;
  }
  .float-btn .float-label {
    display: none;
  }
  .float-btn {
    width: 52px;
    height: 52px;
    padding: 0;
    justify-content: center;
    border-radius: 50%;
  }
  .float-btn .float-icon {
    width: 26px;
    height: 26px;
  }
  .float-btn .float-icon svg {
    width: 26px;
    height: 26px;
  }
}

/* Bolder nav & stronger CTAs */
.nav-wrap {
  box-shadow: 0 4px 18px rgba(107, 27, 122, 0.35);
}
.btn {
  box-shadow: 0 5px 18px rgba(232, 93, 4, 0.42) !important;
}
.btn:hover {
  box-shadow: 0 10px 28px rgba(232, 93, 4, 0.5) !important;
}

/* Stronger hero gradient */
.hero {
  background: linear-gradient(125deg, #12061A 0%, #3A0A45 42%, #2A0835 100%) !important;
}
.page-banner {
  background: linear-gradient(125deg, #12061A 0%, #3A0A45 50%, #2A0835 100%) !important;
}
.cta {
  background: linear-gradient(135deg, #3A0A45, #6B1B7A, #8E2AA0) !important;
}
.site-footer {
  background: #0F0614 !important;
}
.announce-bar {
  background: linear-gradient(90deg, #3A0A45, #6B1B7A, #8E2AA0) !important;
  border-bottom: 2px solid rgba(255, 193, 7, 0.55);
}

/* About page brand block */
.page-banner .about-brand-name {
  font-family: "Poppins", "Noto Sans Tamil", sans-serif;
  font-size: clamp(1.05rem, 2.8vw, 1.35rem);
  font-weight: 700;
  line-height: 1.45;
  margin: 10px auto 8px;
  max-width: 420px;
  color: #fff;
  letter-spacing: 0.2px;
}
.page-banner .about-brand-tag {
  font-size: 0.95rem;
  opacity: 0.92;
  max-width: 480px;
  margin: 0 auto;
  line-height: 1.5;
  color: var(--gold);
  font-weight: 500;
}


/* Long announce text — readable wrap + subtle scroll on mobile */
.announce-inner p {
  line-height: 1.5;
  max-width: 920px;
}
@media (max-width: 700px) {
  .announce-bar {
    padding: 8px 0;
  }
  .announce-inner {
    flex-direction: column;
    gap: 6px;
  }
  .announce-inner p {
    font-size: 0.78rem;
    line-height: 1.45;
    text-align: left;
  }
}

.hs-item.hs-highlight {
  color: #FFE082;
  font-weight: 700;
}


/* Existing customer radio chips */
.radio-row {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.radio-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  border: 1.5px solid var(--border-strong);
  border-radius: 12px;
  background: #FDFBFF;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--primary-dark);
  transition: border-color 0.2s, background 0.2s, box-shadow 0.2s;
  min-width: 90px;
  justify-content: center;
}
.radio-chip:hover {
  border-color: var(--primary-light);
  background: #fff;
}
.radio-chip:has(input:checked) {
  border-color: var(--primary);
  background: rgba(107, 27, 122, 0.08);
  box-shadow: 0 0 0 3px rgba(107, 27, 122, 0.12);
}
.radio-chip input {
  accent-color: var(--primary);
  width: 16px;
  height: 16px;
  margin: 0;
}
#loanAccountGroup {
  animation: fadeSlide 0.25s ease;
}
@keyframes fadeSlide {
  from { opacity: 0; transform: translateY(-6px); }
  to { opacity: 1; transform: translateY(0); }
}


/* ========== SEASON + DAILY OFFERS ========== */
.offers-bar {
  background: linear-gradient(135deg, #3A0A45 0%, #6B1B7A 50%, #8E2AA0 100%);
  padding: 16px 0;
  border-bottom: 2px solid rgba(255, 193, 7, 0.45);
  position: relative;
  overflow: hidden;
}
.offers-bar::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 20% 50%, rgba(255,193,7,0.12), transparent 55%);
  pointer-events: none;
}
.offers-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  position: relative;
  z-index: 1;
  max-width: 720px;
  margin: 0 auto;
}
.offer-card {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,193,7,0.35);
  border-radius: 14px;
  padding: 14px 16px;
  backdrop-filter: blur(6px);
}
.offer-badge {
  display: inline-block;
  background: linear-gradient(135deg, #FFC107, #FFE082);
  color: #2A1208;
  font-weight: 800;
  font-size: 0.75rem;
  padding: 3px 10px;
  border-radius: 999px;
  margin-bottom: 8px;
  letter-spacing: 0.3px;
}
.offer-text {
  margin: 0;
  color: #fff;
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.45;
}
@media (max-width: 700px) {
  .offers-inner { grid-template-columns: 1fr; gap: 10px; }
  .offer-card { padding: 12px 14px; }
  .offer-text { font-size: 0.88rem; }
}


/* Rate date under interest */
.rate-date {
  margin-top: 6px;
  font-size: 0.8rem;
  color: rgba(255, 224, 130, 0.95);
  font-weight: 600;
  letter-spacing: 0.3px;
}
.gold-rate-item.interest-item {
  margin-left: auto;
  margin-right: auto;
  max-width: 280px;
}


/* Gold rate date — above ₹/gram box */
.gold-rate-date {
  position: relative;
  z-index: 1;
  margin: 0 auto 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: rgba(255, 224, 130, 0.95);
  letter-spacing: 0.3px;
}
.gold-rate-date #goldRateDateText {
  color: #FFE082;
  font-weight: 700;
}
@media (max-width: 600px) {
  .gold-rate-date { font-size: 0.8rem; margin-bottom: 8px; }
}


/* Gold rate date — clear next to price */
.gold-rate-date {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 8px 12px;
  margin: 0 auto 12px;
  position: relative;
  z-index: 1;
}
.gold-date-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255, 224, 150, 0.95);
  letter-spacing: 0.2px;
}
.gold-date-value {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: rgba(255, 193, 7, 0.18);
  border: 1px solid rgba(255, 193, 7, 0.45);
  color: var(--gold);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 4px 12px;
  border-radius: 999px;
  font-family: "Poppins", sans-serif;
}
.gold-rate-grid {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  max-width: 520px;
  margin: 0 auto;
  position: relative;
}
.gold-rate-item.interest-item {
  min-width: 160px;
  padding: 10px 18px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 193, 7, 0.28);
}
.gold-rate-item.interest-item .label {
  font-size: 0.75rem;
  opacity: 0.9;
}
.gold-rate-item.interest-item .value {
  font-size: 1.35rem;
}
@media (max-width: 600px) {
  .gold-rate-date {
    flex-direction: column;
    gap: 6px;
    margin-bottom: 10px;
  }
  .gold-date-label { font-size: 0.78rem; }
  .gold-date-value { font-size: 0.85rem; padding: 3px 10px; }
}


/* Date under gold + interest rate cards — numbers only, no emoji */
.rate-card-date {
  margin-top: 6px;
  font-size: 0.82rem;
  color: rgba(255, 224, 130, 0.98);
  font-weight: 700;
  letter-spacing: 0.4px;
  font-family: "Poppins", sans-serif;
  font-variant-numeric: tabular-nums;
}
.gold-rate-item .rate-card-date {
  border-top: 1px solid rgba(255, 193, 7, 0.25);
  padding-top: 6px;
  margin-top: 8px;
}
.rate-card-date .js-rate-date {
  font-weight: 700;
}


/* Footer powered-by contact — light green label */
.footer-bottom {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.powered-contact {
  display: inline-flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 6px 10px;
  background: #E8F8EF;
  color: #1B6B3A;
  border: 1px solid #A8E0C0;
  border-radius: 999px;
  padding: 6px 14px;
  font-size: 0.8rem;
  font-weight: 600;
}
.powered-contact a {
  color: #1B6B3A !important;
  text-decoration: none;
}
.powered-contact a:hover {
  color: #0F4D28 !important;
  text-decoration: underline;
}
.powered-sep {
  opacity: 0.5;
}
@media (max-width: 500px) {
  .powered-contact {
    flex-direction: column;
    gap: 4px;
    border-radius: 12px;
    padding: 8px 12px;
  }
  .powered-sep { display: none; }
}


/* Site-wide ticker under header on all pages */
.site-scroll-strip {
  background: linear-gradient(90deg, #12061A 0%, #3A0A45 40%, #2A0835 100%);
  border-bottom: 1px solid rgba(255, 193, 7, 0.35);
}


/* Rate date — bold numbers for all visitors */
.rate-card-date {
  margin-top: 8px !important;
  padding-top: 8px !important;
  border-top: 1px solid rgba(255, 193, 7, 0.35) !important;
  font-size: 0.95rem !important;
  line-height: 1.2 !important;
  text-align: center;
}
.rate-card-date .js-rate-date {
  display: inline-block;
  font-family: "Poppins", sans-serif !important;
  font-weight: 800 !important;
  font-size: 1.05rem !important;
  color: #FFE082 !important;
  letter-spacing: 0.6px !important;
  font-variant-numeric: tabular-nums;
  background: rgba(255, 193, 7, 0.12);
  border: 1px solid rgba(255, 193, 7, 0.4);
  border-radius: 8px;
  padding: 4px 12px;
}
@media (max-width: 600px) {
  .rate-card-date .js-rate-date {
    font-size: 0.95rem !important;
    padding: 3px 10px;
  }
}

/* ========== FINAL MOBILE HEADER FIX ========== */
@media (max-width: 600px) {
  .site-header .header-inner {
    min-height: 118px;
    padding: 6px 0;
    gap: 6px;
    align-items: center;
  }

  .site-header .logo {
    max-width: calc(100% - 100px);
    gap: 4px;
  }

  .site-header .logo img {
    width: auto;
    height: 72px !important;
    max-height: 72px;
    max-width: 90px;
    object-fit: contain;
    flex-shrink: 0;
    padding: 3px;
    background: #ffffff;
    border-radius: 50%;
  }

  .site-header .logo-text {
    font-size: 0.78rem;
    line-height: 1.18;
    max-width: 46vw;
    width: auto;
    white-space: normal;
    overflow: hidden;
    text-align: center;
  }
  .site-header .home-logo-text {
    padding: 0 !important;
    border-radius: 0 !important;
    color: #022C22 !important;
    background: none !important;
    font-weight: 900 !important;
  }
  .site-header .logo-tagline {
    font-size: 0.4rem;
  }
  .site-header .logo-pawn {
    font-size: 0.32rem;
  }

  .site-header .logo-license {
    font-size: 0.30rem;
    font-weight: 700;
    letter-spacing: 0.005em;
    line-height: 1.1;
    white-space: nowrap;
  }

  .site-header .header-actions {
    gap: 5px;
    flex-shrink: 0;
  }

  .site-header .header-actions .btn {
    padding: 6px 8px !important;
    font-size: 0.65rem !important;
    line-height: 1.1;
    white-space: nowrap;
    border-radius: 999px;
  }

  .site-header .menu-toggle {
    width: 36px;
    height: 36px;
    font-size: 0.95rem;
  }
}

@media (max-width: 380px) {
  .site-header .header-inner {
    min-height: 105px;
  }

  .site-header .logo img {
    width: auto;
    height: 64px !important;
    max-height: 64px;
    max-width: 80px;
    object-fit: contain;
    padding: 2px;
    background: #ffffff;
    border-radius: 50%;
  }
  .site-header .logo-tagline {
    font-size: 0.36rem;
  }
  .site-header .logo-pawn {
    font-size: 0.28rem;
  }

  .site-header .logo-license {
    font-size: 0.26rem;
    line-height: 1.05;
  }

  .site-header .logo-text {
    font-size: 0.68rem;
    line-height: 1.12;
    max-width: 42vw;
  }
  .site-header .home-logo-text {
    padding: 0 !important;
    border-radius: 0 !important;
    color: #022C22 !important;
    background: none !important;
    font-weight: 900 !important;
  }

  .site-header .header-actions .btn {
    padding: 5px 6px !important;
    font-size: 0.58rem !important;
  }

  .site-header .menu-toggle {
    width: 34px;
    height: 34px;
  }
}


/* Compact licence notice — site-wide */
.license-section {
  background: linear-gradient(135deg, #315B46 0%, #244D3A 55%, #1E4333 100%) !important;
  padding: 14px 0 !important;
  min-height: 0 !important;
}
.license-section .container {
  padding-top: 0 !important;
  padding-bottom: 0 !important;
}
.license-section p {
  margin: 0 auto !important;
  padding: 10px 16px !important;
  display: inline-block !important;
  max-width: 92% !important;
  box-sizing: border-box !important;
  border: 1px solid rgba(220, 194, 128, 0.78) !important;
  border-radius: 10px !important;
  background: rgba(248, 243, 223, 0.10) !important;
  font-size: 0.72rem !important;
  line-height: 1.35 !important;
  font-weight: 800 !important;
  color: #F3E6C2 !important;
  text-align: center !important;
}
@media (max-width: 600px) {
  .license-section { padding: 11px 0 !important; }
  .license-section p {
    padding: 8px 12px !important;
    font-size: 0.64rem !important;
    line-height: 1.3 !important;
    max-width: 94% !important;
  }
}

/* Desktop-only header licence layout fix
   Keeps the existing mobile header unchanged. */
@media (min-width: 901px) {
  .site-header .header-inner {
    min-height: 205px;
    padding: 20px 0 12px;
    align-items: center;
  }

  .site-header .logo-text {
    top: 50%;
    width: min(720px, 60vw);
    max-width: min(720px, 60vw);
    font-size: 1.34rem;
    line-height: 1.16;
    text-align: center;
  }

  .site-header .logo-pawn {
    font-size: 0.40rem;
    line-height: 1.12;
    margin-top: 1px;
  }

  .site-header .logo-license {
    font-size: 0.36rem;
    line-height: 1.12;
    margin-top: 1px;
    white-space: nowrap;
  }

  .site-header .logo-tagline {
    font-size: 0.52rem;
    line-height: 1.15;
    margin-top: 2px;
  }

  .site-header .header-actions {
    position: relative;
    z-index: 5;
  }
}


/* ===== Reference-inspired universal header (2026-09-24) ===== */
.reference-top-bar {
  background: #fbf2cf;
  color: #513353;
  border-bottom: 1px solid #ead6a1;
  padding: 9px 0;
  font-size: 0.94rem;
}
.reference-top-inner {
  max-width: 1500px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-left: 30px;
  padding-right: 30px;
}
.reference-top-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: #573557;
  min-width: 0;
}
.reference-top-item a { color: inherit; }
.reference-top-item a:hover { text-decoration: underline; }
.reference-email::first-letter,
.reference-time::first-letter { color: #8b61a1; }
.reference-time { text-align: right; justify-content: flex-end; }
.reference-time span { font-weight: 600; }

.reference-site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fffdf6;
  border-bottom: 1px solid rgba(193, 150, 51, 0.34);
  box-shadow: 0 5px 22px rgba(87, 58, 38, 0.06);
  overflow: visible;
}
.reference-site-header .reference-header-main {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(232,216,166,0.16) 0 1px, transparent 1px 100%),
    linear-gradient(45deg, rgba(232,216,166,0.12) 0 1px, transparent 1px 100%),
    #fffdf6;
  background-size: 170px 170px, 210px 210px, auto;
}
.reference-site-header .reference-header-main::after {
  content: "";
  position: absolute;
  left: -5%;
  bottom: -48px;
  width: 110%;
  height: 95px;
  border-top: 10px solid #c89d3f;
  border-radius: 50%;
  transform: rotate(2deg);
  opacity: 0.9;
  pointer-events: none;
}
.reference-header-inner {
  position: relative;
  z-index: 2;
  width: min(1500px, 100%);
  margin: 0 auto;
  min-height: 330px;
  padding: 18px 54px 24px;
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr) 240px;
  align-items: center;
  gap: 26px;
}
.reference-brand-logo {
  width: 250px;
  height: 250px;
  display: block;
  background: url("header-brand-seal.png") center / contain no-repeat;
  filter: drop-shadow(0 6px 12px rgba(81, 54, 54, 0.12));
  transition: transform var(--duration-fast) var(--ease-out);
}
.reference-brand-logo:hover { transform: scale(1.015); }
.reference-brand-copy {
  align-self: center;
  text-align: center;
  color: #4a2354;
  min-width: 0;
  padding-bottom: 8px;
}
.reference-brand-title,
.reference-loan-title {
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 900;
  letter-spacing: 0.01em;
  text-transform: uppercase;
  line-height: 1.08;
  text-shadow: 0 1px 0 rgba(255,255,255,0.85);
}
.reference-brand-title { font-size: clamp(2rem, 3.2vw, 3.55rem); }
.reference-loan-title { font-size: clamp(1.6rem, 2.8vw, 3rem); margin-top: 4px; }
.reference-brand-subtitle {
  font: 700 clamp(1rem, 1.6vw, 1.65rem) / 1.1 "Segoe UI", Arial, sans-serif;
  color: #55504f;
  margin: 5px 0 12px;
}
.reference-license {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  max-width: 100%;
  min-height: 38px;
  padding: 7px 18px;
  border-radius: 999px;
  background: linear-gradient(90deg, #d9af47 0%, #bb8730 48%, #d9af47 100%);
  color: #52313f;
  font: 700 0.95rem/1.2 "Segoe UI", Arial, sans-serif;
  white-space: nowrap;
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.45), 0 2px 5px rgba(102,76,31,0.08);
}
.reference-license-icon {
  display: inline-grid;
  place-items: center;
  width: 21px;
  height: 21px;
  flex: 0 0 21px;
  border-radius: 50%;
  background: #5f2d61;
  color: #fff2d8;
  font-size: 0.75rem;
}
.reference-divider {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 12px;
  max-width: 410px;
  margin: 8px auto 6px;
  color: #4a2354;
}
.reference-divider span { height: 2px; background: linear-gradient(90deg, transparent, #cbb788); }
.reference-divider strong { font: 900 2rem/1 Georgia, serif; }
.reference-services {
  margin: 16px auto 0;
  width: min(760px, 100%);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  align-items: center;
}
.reference-service {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 56px;
  padding: 6px 14px;
  position: relative;
  color: #403545;
  font: 700 0.96rem/1.15 "Segoe UI", Arial, sans-serif;
  text-align: left;
}
.reference-service + .reference-service::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  bottom: 8px;
  width: 1px;
  background: #a9a0a2;
}
.reference-service-icon {
  width: 43px;
  height: 43px;
  flex: 0 0 43px;
  border-radius: 50%;
  display: inline-grid;
  place-items: center;
  background: #c995cf;
  color: #63396d;
  border: 1px solid rgba(98, 55, 105, 0.1);
  font-size: 1.55rem;
  line-height: 1;
  box-shadow: 0 4px 10px rgba(86, 57, 91, 0.1);
}
.reference-header-actions {
  position: relative;
  z-index: 4;
  align-self: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 18px;
}
.reference-loan-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  width: 210px;
  min-height: 72px;
  border-radius: 999px;
  border: 6px solid #d7b264;
  background: linear-gradient(180deg, #9d43a8, #7f2e8d);
  color: #ffefd0;
  font: 900 1.55rem/1 "Segoe UI", Arial, sans-serif;
  box-shadow: 0 8px 18px rgba(92, 47, 100, 0.22), inset 0 1px 0 rgba(255,255,255,0.18);
  transition: transform var(--duration-fast), box-shadow var(--duration-fast), background var(--duration-fast);
}
.reference-loan-button:hover { transform: translateY(-2px); box-shadow: 0 12px 22px rgba(92, 47, 100, 0.24); }
.reference-loan-button span { font-size: 2rem; line-height: 0.8; }
.reference-menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  background: #7f2e8d;
  color: #fff;
  border: 0;
}
.reference-lotus {
  position: absolute;
  z-index: 1;
  right: -10px;
  bottom: -16px;
  width: 270px;
  height: 200px;
  background: url("header-lotus.png") right bottom / contain no-repeat;
  opacity: 0.97;
  pointer-events: none;
}
.reference-nav-container { position: relative; z-index: 5; }
.reference-site-header .nav-wrap { margin-top: -3px; margin-bottom: 12px; }

@media (max-width: 1180px) {
  .reference-header-inner {
    grid-template-columns: 190px minmax(0, 1fr) 180px;
    min-height: 290px;
    padding: 18px 28px 22px;
    gap: 16px;
  }
  .reference-brand-logo { width: 185px; height: 185px; }
  .reference-loan-button { width: 170px; min-height: 60px; font-size: 1.25rem; border-width: 5px; }
  .reference-services { margin-top: 12px; }
  .reference-service { font-size: 0.82rem; padding: 4px 8px; gap: 7px; }
  .reference-service-icon { width: 36px; height: 36px; flex-basis: 36px; font-size: 1.2rem; }
  .reference-lotus { width: 220px; height: 165px; }
}

@media (max-width: 820px) {
  .reference-top-inner { padding: 0 18px; font-size: 0.78rem; }
  .reference-header-inner {
    grid-template-columns: 92px minmax(0, 1fr) 92px;
    min-height: 240px;
    padding: 14px 12px 8px;
    gap: 10px;
  }
  .reference-brand-logo { width: 92px; height: 92px; }
  .reference-brand-title { font-size: clamp(1rem, 4.6vw, 1.55rem); }
  .reference-brand-subtitle { font-size: 0.75rem; margin: 3px 0 6px; }
  .reference-license { font-size: 0.53rem; min-height: 23px; padding: 4px 7px; gap: 4px; }
  .reference-license-icon { width: 13px; height: 13px; flex-basis: 13px; font-size: 0.48rem; }
  .reference-divider { gap: 7px; margin: 5px auto 4px; }
  .reference-divider strong { font-size: 1.15rem; }
  .reference-loan-title { font-size: clamp(0.82rem, 3.8vw, 1.25rem); }
  .reference-services { grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 6px; width: 100%; }
  .reference-service { min-height: 34px; font-size: 0.59rem; padding: 2px 4px; gap: 4px; }
  .reference-service:nth-child(3)::before { display: none; }
  .reference-service-icon { width: 26px; height: 26px; flex-basis: 26px; font-size: 0.85rem; }
  .reference-header-actions { gap: 8px; }
  .reference-loan-button { width: 100px; min-height: 42px; border-width: 3px; font-size: 0.72rem; gap: 4px; }
  .reference-loan-button span { font-size: 0.82rem; }
  .reference-menu-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .reference-lotus { width: 120px; height: 95px; right: -10px; bottom: -10px; opacity: 0.55; }
}

@media (max-width: 560px) {
  .reference-top-inner { flex-direction: column; align-items: flex-start; gap: 3px; padding: 0 14px; }
  .reference-top-item { width: 100%; justify-content: flex-start; font-size: 0.68rem; gap: 6px; }
  .reference-time { text-align: left; justify-content: flex-start; }
  .reference-header-inner { grid-template-columns: 66px minmax(0, 1fr) 66px; min-height: 205px; padding: 10px 8px 6px; gap: 6px; }
  .reference-brand-logo { width: 66px; height: 66px; }
  .reference-brand-title { font-size: clamp(0.86rem, 4.9vw, 1.18rem); }
  .reference-brand-subtitle { font-size: 0.6rem; }
  .reference-license { font-size: 0.42rem; padding: 3px 4px; min-height: 18px; }
  .reference-license-icon { width: 10px; height: 10px; flex-basis: 10px; font-size: 0.36rem; }
  .reference-loan-title { font-size: clamp(0.7rem, 4vw, 1rem); }
  .reference-divider { margin: 3px auto; }
  .reference-divider strong { font-size: 0.92rem; }
  .reference-services { gap: 1px; }
  /* Mobile service labels/icons reduced one step for a more compact header. */
  .reference-service { font-size: 0.40rem; min-height: 24px; gap: 3px; padding: 2px 3px; }
  .reference-service-icon { width: 18px; height: 18px; flex-basis: 18px; font-size: 0.58rem; }
  .reference-loan-button { width: 62px; min-height: 29px; font-size: 0.45rem; border-width: 2px; }
  .reference-loan-button span { font-size: 0.6rem; }
  .reference-menu-toggle { width: 32px; height: 32px; font-size: 0.88rem; }
  .reference-lotus { width: 78px; height: 62px; opacity: 0.35; }
  .reference-site-header .nav-wrap { margin-bottom: 8px; }
}

/* Desktop-only refinement: use the original Abhinav Bankers logo and keep the
   reference/mobile header untouched below 1180px. */
@media (min-width: 1181px) {
  .reference-header-inner {
    min-height: 230px;
    padding: 10px 42px 14px;
    grid-template-columns: 235px minmax(0, 1fr) 205px;
    gap: 20px;
  }

  .reference-brand-logo {
    width: 225px;
    height: 155px;
    background: url("logo-abhinav-desktop.png") center / contain no-repeat;
    filter: none;
  }

  .reference-brand-title {
    font-size: clamp(1.35rem, 1.65vw, 1.8rem);
  }

  .reference-brand-subtitle {
    font-size: 1rem;
    margin: 3px 0 8px;
  }

  .reference-loan-title {
    font-size: clamp(1.05rem, 1.35vw, 1.45rem);
    margin-top: 3px;
  }

  .reference-license {
    min-height: 32px;
    padding: 6px 15px;
    font-size: 0.82rem;
  }

  .reference-divider {
    max-width: 330px;
    margin: 6px auto 4px;
  }

  .reference-divider strong {
    font-size: 1.55rem;
  }

  .reference-services {
    width: min(650px, 100%);
    margin-top: 10px;
  }

  .reference-service {
    min-height: 46px;
    padding: 4px 9px;
    gap: 7px;
    font-size: 0.82rem;
  }

  .reference-service-icon {
    width: 36px;
    height: 36px;
    flex-basis: 36px;
    font-size: 1.25rem;
  }

  .reference-header-actions {
    gap: 12px;
  }

  .reference-loan-button {
    width: 180px;
    min-height: 60px;
    border-width: 5px;
    font-size: 1.25rem;
  }

  /* Remove the extra decorative lotus/Gemini-like mark on desktop only. */
  .reference-lotus {
    display: none;
  }
}

/* ===== Desktop heading size optimization only =====
   No layout, SEO, content, mobile, or other design changes. */
@media (min-width: 1181px) {
  .reference-brand-title {
    font-size: clamp(1.85rem, 2.35vw, 2.65rem);
  }

  .reference-loan-title {
    font-size: clamp(1.35rem, 2vw, 2.15rem);
  }
}

/* ===== Mobile visual-size optimization (requested) =====
   Only the mobile reference header visuals are reduced; desktop and SEO/content remain unchanged. */
@media (max-width: 560px) {
  /* Mobile-only heading/background optimization. Desktop remains unchanged. */
  .reference-header-inner {
    min-height: 120px;
    padding: 5px 6px 3px;
    gap: 4px;
  }

  .reference-brand-title {
    font-size: clamp(0.43rem, 2.45vw, 0.59rem);
    line-height: 1.05;
  }

  .reference-loan-title {
    font-size: clamp(0.35rem, 2vw, 0.50rem);
    line-height: 1.05;
    margin-top: 2px;
  }

  .reference-brand-subtitle {
    font-size: 0.42rem;
    margin: 2px 0 4px;
  }

  .reference-license {
    font-size: 0.30rem;
    padding: 2px 3px;
    min-height: 14px;
    gap: 2px;
  }

  .reference-license-icon {
    width: 8px;
    height: 8px;
    flex-basis: 8px;
    font-size: 0.28rem;
  }

  .reference-divider {
    gap: 4px;
    margin: 2px auto;
  }

  .reference-divider strong {
    font-size: 0.58rem;
  }

  .reference-brand-logo {
    width: 22px;
    height: 22px;
  }

  .reference-lotus {
    width: 26px;
    height: 21px;
    right: -3px;
    bottom: -3px;
    opacity: 0.35;
  }

  .reference-loan-button {
    width: 31px;
    min-height: 15px;
    font-size: 0.23rem;
    border-width: 1px;
    gap: 1px;
  }

  .reference-loan-button span {
    font-size: 0.30rem;
  }
}

/* ===== Mobile header final optimization =====
   Mobile only: keep the four service items in one horizontal row, reduce labels,
   compact the heading area, and restore slightly larger logo/lotus visuals. */
@media (max-width: 560px) {
  .reference-header-inner {
    min-height: 112px;
    padding: 5px 6px 3px;
    gap: 3px;
  }

  .reference-brand-logo {
    width: 48px;
    height: 48px;
  }

  .reference-brand-title {
    font-size: clamp(0.40rem, 2.25vw, 0.54rem);
    line-height: 1.02;
  }

  .reference-brand-subtitle {
    font-size: 0.38rem;
    margin: 1px 0 3px;
  }

  .reference-license {
    font-size: 0.28rem;
    padding: 2px 3px;
    min-height: 13px;
  }

  .reference-loan-title {
    font-size: clamp(0.32rem, 1.8vw, 0.45rem);
    line-height: 1.02;
    margin-top: 1px;
  }

  .reference-divider {
    gap: 3px;
    margin: 1px auto;
  }

  .reference-divider strong {
    font-size: 0.52rem;
  }

  .reference-services {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    width: 100%;
    gap: 0;
    margin-top: 3px;
  }

  .reference-service {
    min-height: 22px;
    padding: 1px 1px;
    gap: 2px;
    font-size: 0.34rem;
    line-height: 1.05;
    justify-content: center;
    white-space: normal;
  }

  .reference-service-icon {
    width: 16px;
    height: 16px;
    flex-basis: 16px;
    font-size: 0.52rem;
  }

  .reference-service + .reference-service::before {
    top: 4px;
    bottom: 4px;
  }

  .reference-lotus {
    width: 58px;
    height: 46px;
    right: -4px;
    bottom: -4px;
    opacity: 0.42;
  }

  .reference-loan-button {
    width: 82px;
    min-height: 32px;
    font-size: 0.52rem;
    border-width: 2px;
    gap: 3px;
  }

  .reference-loan-button span {
    font-size: 0.68rem;
  }
}


/* ===== Desktop header scroll behavior =====
   Desktop only: the large heading scrolls away, while the five-item
   navigation stays pinned to the top once it reaches the viewport.
   Mobile/tablet behavior remains unchanged. */
@media (min-width: 1181px) {
  .reference-site-header {
    position: relative;
    top: auto;
  }

  .reference-nav-container.nav-pinned .nav-wrap {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1100;
    margin-top: 0;
    margin-bottom: 0;
    max-width: 780px;
  }
}

/* Final mobile gold-rate + logo adjustments */
.gold-rate-box {
  background: linear-gradient(135deg, #F8F3DF 0%, #F2E8C8 52%, #E9D9B4 100%) !important;
  color: #244D3A !important;
}
.gold-rate-box h3,
.gold-rate-box .label,
.gold-rate-box .gold-rate-note,
.gold-rate-box .rate-edit-btn,
.gold-rate-box .rate-card-date,
.gold-rate-box .rate-card-date .js-rate-date {
  color: #315B46 !important;
}
.gold-rate-box .value {
  color: #1E5A40 !important;
}
.gold-rate-box .gold-rate-item {
  background: rgba(255, 251, 235, 0.72) !important;
  border-color: rgba(184, 154, 85, 0.52) !important;
  box-shadow: 0 4px 14px rgba(78, 74, 48, 0.06);
}
.gold-rate-box .gold-rate-item.single {
  background: rgba(255, 249, 226, 0.82) !important;
  border-color: rgba(184, 154, 85, 0.68) !important;
}
.gold-rate-box .rate-edit-btn {
  background: rgba(49, 91, 70, 0.08) !important;
  border-color: rgba(49, 91, 70, 0.30) !important;
}
.gold-rate-box .rate-edit-btn:hover {
  background: rgba(49, 91, 70, 0.14) !important;
}

@media (max-width: 820px) {
  .reference-brand-logo {
    width: 138px;
    height: 138px;
  }
}

@media (max-width: 560px) {
  .reference-brand-logo {
    width: 99px;
    height: 99px;
  }
}

@media (max-width: 380px) {
  .reference-brand-logo {
    width: 96px;
    height: 96px;
  }
}

/* SEO local links: keep in HTML for crawlers, hide visually from users */
.seo-local-links {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}