/* ===== Design tokens ===== */
:root {
  --color-primary: #0F172A;      /* deep navy */
  --color-secondary: #1E3A8A;    /* royal blue */
  --color-cta: #CA8A04;          /* gold/amber */
  --color-cta-hover: #A16207;
  --color-bg: #F8FAFC;
  --color-surface: #FFFFFF;
  --color-text: #0F172A;
  --color-text-muted: #475569;
  --color-border: #E2E8F0;
  --color-success: #15803D;

  --space-1: 4px;
  --space-2: 8px;
  --space-3: 16px;
  --space-4: 24px;
  --space-5: 40px;
  --space-6: 64px;
  --space-7: 96px;

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 18px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 8px 24px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 20px 45px rgba(15, 23, 42, 0.12);
  --shadow-depth: 0 1px 2px rgba(15,23,42,0.05), 0 4px 8px rgba(15,23,42,0.04), 0 14px 28px -8px rgba(15,23,42,0.10);
  --shadow-depth-hover: 0 2px 4px rgba(15,23,42,0.06), 0 8px 16px rgba(15,23,42,0.06), 0 28px 48px -12px rgba(15,23,42,0.18);
  --shadow-icon: 0 1px 1px rgba(255,255,255,0.7) inset, 0 -2px 4px rgba(15,23,42,0.08) inset, 0 6px 14px -4px rgba(202,138,4,0.35);

  --duration: 200ms;
  --duration-slow: 320ms;
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);

  --glass-bg: rgba(255, 255, 255, 0.85);
  --glass-bg-dark: rgba(15, 23, 42, 0.55);
  --glass-border: rgba(255, 255, 255, 0.35);
  --glass-blur: blur(16px) saturate(160%);

  --container: 1180px;
}

@view-transition {
  navigation: auto;
}

/* ===== Reset ===== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--color-text);
  background:
    radial-gradient(circle, rgba(15,23,42,0.06) 1px, transparent 1px) 0 0 / 26px 26px,
    repeating-linear-gradient(135deg, rgba(30,58,138,0.035) 0 1px, transparent 1px 22px),
    repeating-linear-gradient(45deg, rgba(202,138,4,0.03) 0 1px, transparent 1px 22px),
    radial-gradient(ellipse 900px 500px at 15% 0%, rgba(30,58,138,0.05), transparent 60%),
    var(--color-bg);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { margin: 0; padding: 0; list-style: none; }
button { font-family: inherit; cursor: pointer; }
h1, h2, h3, h4 { margin: 0 0 var(--space-3); line-height: 1.25; font-weight: 600; color: var(--color-primary); }
p { margin: 0 0 var(--space-3); color: var(--color-text-muted); }
:focus-visible { outline: 2px solid var(--color-cta); outline-offset: 2px; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 var(--space-4); }
section { padding: var(--space-7) 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto var(--space-6); }
.eyebrow {
  display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--color-cta); margin-bottom: var(--space-2);
}
h2 { font-size: clamp(28px, 4vw, 38px); }
.section-head p { font-size: 17px; }

/* ===== Buttons ===== */
.btn {
  position: relative; display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  padding: 14px 28px; border-radius: var(--radius-sm); font-weight: 600; font-size: 15px;
  border: 1px solid transparent; overflow: hidden; isolation: isolate;
  transition: color var(--duration) var(--ease), border-color var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
  min-height: 48px; cursor: pointer;
}
.btn::before {
  content: ''; position: absolute; inset: 0; z-index: -1; transform: scaleX(0); transform-origin: left;
  transition: transform var(--duration-slow) var(--ease-out);
}
.btn:hover::before { transform: scaleX(1); }
.btn-cta { background: var(--color-cta); color: #fff; box-shadow: var(--shadow-sm); }
.btn-cta::before { background: var(--color-cta-hover); }
.btn-cta:hover { box-shadow: var(--shadow-md); }
.btn-outline { background: transparent; border-color: rgba(255,255,255,0.35); color: #fff; }
.btn-outline::before { background: rgba(255,255,255,0.15); }
.btn-primary { background: var(--color-primary); color: #fff; }
.btn-primary::before { background: #1e293b; }
.btn-primary:hover { box-shadow: var(--shadow-md); }
.btn-block { width: 100%; }
.btn:disabled { opacity: 0.6; cursor: not-allowed; }
.btn:disabled::before { display: none; }

/* ===== Header ===== */
.site-header { position: sticky; top: 12px; z-index: 50; background: transparent; }
/* The glass effect lives on ::before, not on .floating-nav itself. backdrop-filter creates a
   containing block for position:fixed descendants — with it on the parent, the mobile nav drawer
   anchored itself to this pill instead of the viewport and rendered as a clipped sliver. */
.floating-nav {
  position: relative;
  display: flex; align-items: center; justify-content: space-between; gap: var(--space-4);
  border-radius: var(--radius-pill); padding: 8px 8px 8px 24px;
}
.floating-nav::before {
  content: ''; position: absolute; inset: 0; z-index: -1;
  background: var(--glass-bg); border: 1px solid rgba(255,255,255,0.6);
  backdrop-filter: var(--glass-blur); -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-pill); box-shadow: var(--shadow-md);
}
.logo { display: flex; align-items: center; white-space: nowrap; }
.logo .logo-accent { color: var(--color-cta); }

/* ===== Brand lockup =====
   One --logo-mark size drives everything, so the whole lockup scales from a single value. */
.logo-lockup {
  --logo-mark: 42px;
  display: inline-flex; align-items: center; gap: calc(var(--logo-mark) * 0.24);
  color: var(--color-primary);
}
.logo-mark { width: var(--logo-mark); height: var(--logo-mark); flex-shrink: 0; display: block; }
.logo-text { display: flex; flex-direction: column; justify-content: center; line-height: 1; }
.logo-word {
  font-size: calc(var(--logo-mark) * 0.62); font-weight: 700; letter-spacing: -0.005em;
  color: var(--color-primary);
}
/* The mark after APEX is a square in the artwork, not a full stop. */
.logo-dot {
  display: inline-block; width: 0.17em; height: 0.17em; background: #F76B39;
  margin-left: 0.09em; vertical-align: baseline;
}
.logo-sub {
  font-size: calc(var(--logo-mark) * 0.212); font-weight: 500; letter-spacing: 0.2em;
  text-transform: uppercase; color: var(--color-text-muted);
  margin-top: calc(var(--logo-mark) * 0.1);
}
/* Light variant for dark backgrounds (footer). */
.logo-lockup--light { color: #fff; }
.logo-lockup--light .logo-word { color: #fff; }
.logo-lockup--light .logo-sub { color: rgba(255,255,255,0.62); }
.nav-links { display: flex; align-items: center; gap: var(--space-1); margin: 0; padding: 0; list-style: none; }
.nav-links a {
  position: relative; display: flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 500;
  color: var(--color-text); padding: 9px 13px; border-radius: var(--radius-pill);
  transition: color var(--duration) var(--ease), background var(--duration) var(--ease);
}
.nav-links a .svc-icon { width: 17px; height: 17px; flex-shrink: 0; }
.nav-links a:hover { color: var(--color-cta); background: rgba(202,138,4,0.1); }
.nav-cta { display: flex; align-items: center; gap: var(--space-2); flex-shrink: 0; }
.btn-sm { padding: 10px 18px; min-height: auto; font-size: 14px; }
.nav-calc-btn .svc-icon { width: 17px; height: 17px; }
/* The three bars are absolutely positioned, not flex children. As flex items they laid out in a
   row and the translateY offsets pushed them to different heights — the staggered-dashes look. */
.nav-toggle {
  display: none; position: relative; background: none; border: none;
  width: 40px; height: 40px; padding: 0; flex-shrink: 0; cursor: pointer;
  align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle::before, .nav-toggle::after {
  content: ''; position: absolute; left: 50%; top: 50%;
  width: 22px; height: 2px; margin-left: -11px; margin-top: -1px;
  background: var(--color-primary); border-radius: 2px;
  transition: transform var(--duration) var(--ease), opacity var(--duration) var(--ease);
}
.nav-toggle::before { transform: translateY(-7px); }
.nav-toggle::after { transform: translateY(7px); }
.nav-toggle.is-open span { opacity: 0; }
.nav-toggle.is-open::before { transform: translateY(0) rotate(45deg); }
.nav-toggle.is-open::after { transform: translateY(0) rotate(-45deg); }

/* ===== Hero ===== */
.hero {
  position: relative; overflow: hidden; background: var(--color-primary);
  color: #fff; padding: var(--space-7) 0;
}

/* Sliding background — real photos drop into assets/images/hero-slide-{1,2,3}.jpg with no code
   changes needed; the gradients below are visible only until those files exist. */
.hero-slides { position: absolute; inset: 0; z-index: 0; }
.hero-slide {
  position: absolute; inset: 0; background-size: cover; background-position: center;
  opacity: 0; transition: opacity 1.4s var(--ease);
}
.hero-slide:nth-child(1) { background-image: url('/assets/images/hero-slide-1.jpg'), linear-gradient(135deg, #0F172A 0%, #1e293b 50%, #1E3A8A 100%); }
.hero-slide:nth-child(2) { background-image: url('/assets/images/hero-slide-2.jpg'), linear-gradient(135deg, #1E3A8A 0%, #0F172A 55%, #78350F 100%); }
.hero-slide:nth-child(3) { background-image: url('/assets/images/hero-slide-3.jpg'), linear-gradient(135deg, #0F172A 0%, #78350F 55%, #CA8A04 100%); }
.hero-slide.is-active { opacity: 1; }
.hero-scrim {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(90deg, rgba(15,23,42,0.92) 0%, rgba(15,23,42,0.68) 32%, rgba(15,23,42,0.28) 58%, rgba(15,23,42,0.45) 100%);
}
.hero-slide-dots { position: relative; z-index: 3; display: flex; justify-content: center; gap: 8px; margin-top: var(--space-6); }
.hero-slide-dots .dot {
  width: 8px; height: 8px; border-radius: 50%; background: rgba(255,255,255,0.35); border: none; padding: 0;
  transition: background var(--duration) var(--ease), transform var(--duration) var(--ease);
}
.hero-slide-dots .dot.is-active { background: var(--color-cta); transform: scale(1.3); }

.hero::before, .hero::after {
  content: ''; position: absolute; border-radius: 50%; filter: blur(60px); pointer-events: none; z-index: 2;
}
.hero::before { width: 420px; height: 420px; background: radial-gradient(circle, rgba(202,138,4,0.35), transparent 70%); top: -120px; right: 8%; animation: orbit-a 22s ease-in-out infinite; }
.hero::after { width: 360px; height: 360px; background: radial-gradient(circle, rgba(30,58,138,0.5), transparent 70%); bottom: -140px; left: -60px; animation: orbit-b 26s ease-in-out infinite; }
@keyframes orbit-a { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(-30px, 40px); } }
@keyframes orbit-b { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(40px, -30px); } }
.hero-grid { position: relative; z-index: 3; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--space-6); align-items: center; }
.hero h1 { color: #fff; font-size: clamp(34px, 5vw, 54px); font-weight: 300; }
.hero h1 strong { font-weight: 700; color: #fbbf24; }
.hero p { color: rgba(255,255,255,0.78); font-size: 18px; max-width: 480px; }

/* Slides stack in a single grid cell instead of being absolutely positioned against a fixed
   min-height. The container now grows to the tallest slide, so longer copy can never spill out
   and overlap the buttons below. */
.hero-copy-slides { position: relative; display: grid; }
.hero-copy-slide {
  grid-area: 1 / 1; opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity 900ms var(--ease), visibility 900ms;
}
.hero-copy-slide.is-active { opacity: 1; visibility: visible; pointer-events: auto; }
.hero-actions { display: flex; gap: var(--space-3); flex-wrap: wrap; margin-top: var(--space-4); }
.trust-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: var(--space-3); margin-top: var(--space-6); }
.trust-item {
  color: rgba(255,255,255,0.9); font-size: 14px; display: flex; align-items: center; gap: var(--space-2);
  padding: 14px 20px; border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.08); border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur); -webkit-backdrop-filter: var(--glass-blur);
  transition: background var(--duration) var(--ease), transform var(--duration) var(--ease);
}
.trust-item:hover { background: rgba(255,255,255,0.14); transform: translateY(-2px); }
.trust-item strong { display: block; font-size: 20px; color: #fbbf24; font-weight: 700; }

.hero-card {
  position: relative; z-index: 1;
  background: var(--glass-bg); border: 1px solid rgba(255,255,255,0.6);
  backdrop-filter: var(--glass-blur); -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-lg); padding: var(--space-5);
  box-shadow: var(--shadow-lg); color: var(--color-text);
}
.hero-card h3 { font-size: 18px; }
.hero-card p { color: var(--color-text-muted); font-size: 14px; max-width: none; }

/* ===== Hero EMI widget card ===== */
.hero-emi-card { overflow: hidden; }
.emi-card-label { display: block; font-size: 13px; font-weight: 600; color: var(--color-text-muted); margin-bottom: 6px; }
.emi-card-amount { display: block; font-size: 28px; font-weight: 700; color: var(--color-primary); font-variant-numeric: tabular-nums; margin-bottom: 10px; }
.hero-emi-card input[type="range"] { background: var(--color-border); }
.emi-card-range { display: flex; justify-content: space-between; font-size: 12px; color: var(--color-text-muted); margin-top: 6px; }
.emi-card-assume { font-size: 12px; margin: var(--space-3) 0 0; }
.emi-card-result {
  display: flex; align-items: center; justify-content: space-between; font-size: 14px; color: var(--color-text-muted);
  padding: var(--space-3) 0; margin: var(--space-2) 0 var(--space-4); border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border);
}
.emi-card-result strong { font-size: 22px; color: var(--color-primary); font-variant-numeric: tabular-nums; }
.emi-card-actions { display: flex; align-items: center; gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-4); }
.emi-card-link { font-size: 14px; font-weight: 600; color: var(--color-secondary); transition: color var(--duration) var(--ease); }
.emi-card-link:hover { color: var(--color-cta); }
.emi-card-trust { display: flex; align-items: center; gap: var(--space-2); font-size: 12px; color: var(--color-text-muted); padding-top: var(--space-3); border-top: 1px solid var(--color-border); }
.emi-card-trust .svc-icon { color: var(--color-cta); flex-shrink: 0; }
.emi-card-banner {
  background: var(--color-primary); color: #fff; text-align: center; font-size: 13px; font-weight: 600;
  padding: 12px; margin: var(--space-4) calc(-1 * var(--space-5)) calc(-1 * var(--space-5));
}

/* ===== Services grid ===== */
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); }
.service-card {
  position: relative; overflow: hidden; display: flex; flex-direction: column;
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md);
  padding: var(--space-4); box-shadow: var(--shadow-depth);
  transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease), border-color var(--duration) var(--ease);
}
.service-card::before {
  content: ''; position: absolute; inset: 0; border-radius: inherit; padding: 1px;
  background: linear-gradient(135deg, var(--color-cta), transparent 60%);
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude;
  opacity: 0; transition: opacity var(--duration) var(--ease); pointer-events: none;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-depth-hover); border-color: var(--color-cta); }
.service-card:hover::before { opacity: 1; }
.service-icon {
  width: 52px; height: 52px; border-radius: var(--radius-md);
  background: linear-gradient(150deg, rgba(202,138,4,0.16), rgba(202,138,4,0.06));
  box-shadow: var(--shadow-icon);
  color: var(--color-cta); display: flex; align-items: center; justify-content: center; margin-bottom: var(--space-3);
  transition: transform var(--duration-slow) var(--ease-out), box-shadow var(--duration) var(--ease);
}
.service-card:hover .service-icon { transform: scale(1.08) rotate(-4deg) translateY(-2px); box-shadow: var(--shadow-icon), 0 10px 18px -6px rgba(202,138,4,0.4); }
.service-card h3 { font-size: 17px; margin-bottom: var(--space-1); }
.service-card p { font-size: 14px; margin-bottom: var(--space-3); flex: 1; }
.service-card a.service-link { font-size: 14px; font-weight: 600; color: var(--color-secondary); display: inline-flex; align-items: center; gap: 4px; margin-top: auto; }
.service-card a.service-link svg, .service-card a.service-link::after { transition: transform var(--duration) var(--ease); }
.service-card a.service-link:hover { color: var(--color-cta); }
.services-grid .service-card:hover .service-link { gap: 8px; }

/* Stagger reveal for grids */
.services-grid > [data-reveal]:nth-child(1) { transition-delay: 0ms; }
.services-grid > [data-reveal]:nth-child(2) { transition-delay: 40ms; }
.services-grid > [data-reveal]:nth-child(3) { transition-delay: 80ms; }
.services-grid > [data-reveal]:nth-child(4) { transition-delay: 120ms; }
.services-grid > [data-reveal]:nth-child(4n+1) { transition-delay: 0ms; }
.services-grid > [data-reveal]:nth-child(4n+2) { transition-delay: 60ms; }
.services-grid > [data-reveal]:nth-child(4n+3) { transition-delay: 120ms; }
.services-grid > [data-reveal]:nth-child(4n+4) { transition-delay: 180ms; }
.testimonials-grid > [data-reveal]:nth-child(1) { transition-delay: 0ms; }
.testimonials-grid > [data-reveal]:nth-child(2) { transition-delay: 80ms; }
.testimonials-grid > [data-reveal]:nth-child(3) { transition-delay: 160ms; }
.process-grid > [data-reveal]:nth-child(1) { transition-delay: 0ms; }
.process-grid > [data-reveal]:nth-child(2) { transition-delay: 100ms; }
.process-grid > [data-reveal]:nth-child(3) { transition-delay: 200ms; }

/* ===== Primary Offerings ===== */
.offerings-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
.offering-card {
  display: flex; flex-direction: column; overflow: hidden;
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md);
  box-shadow: var(--shadow-depth); transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease), border-color var(--duration) var(--ease);
}
.offering-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-depth-hover); border-color: var(--color-cta); }
.offering-image { height: 170px; background-size: cover; background-position: center; }
/* Real photos drop into assets/images/offering-{slug}.jpg with no code changes needed —
   gradients below show only until those files exist. */
.offerings-grid .offering-card:nth-child(1) .offering-image { background-image: url('/assets/images/offering-business-loan.jpg'), linear-gradient(135deg, #0F172A, #1E3A8A); }
.offerings-grid .offering-card:nth-child(2) .offering-image { background-image: url('/assets/images/offering-personal-loan.jpg'), linear-gradient(45deg, #1E3A8A, #0F172A); }
.offerings-grid .offering-card:nth-child(3) .offering-image { background-image: url('/assets/images/offering-home-loan.jpg'), linear-gradient(120deg, #0F172A, #CA8A04); }
.offerings-grid .offering-card:nth-child(4) .offering-image { background-image: url('/assets/images/offering-loan-against-property.jpg'), linear-gradient(135deg, #1E3A8A, #CA8A04, #0F172A); }
.offerings-grid .offering-card:nth-child(5) .offering-image { background-image: url('/assets/images/offering-used-car-loan.jpg'), linear-gradient(100deg, #0F172A, #1E3A8A, #CA8A04); }
.offerings-grid .offering-card:nth-child(6) .offering-image { background-image: url('/assets/images/offering-education-loan.jpg'), linear-gradient(160deg, #CA8A04, #0F172A); }
.offering-body { display: flex; flex-direction: column; flex: 1; padding: var(--space-4); }
.offering-body h3 { font-size: 17px; margin-bottom: 4px; }
.offering-body p { font-size: 14px; margin-bottom: var(--space-3); }
.offering-apply { align-self: flex-start; margin-top: auto; }

/* ===== EMI Calculator ===== */
.calculator { background: var(--color-primary); border-radius: var(--radius-lg); padding: var(--space-6); color: #fff; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-6); align-items: center; }
.calc-field { margin-bottom: var(--space-4); }
.calc-field label { display: flex; justify-content: space-between; font-size: 14px; margin-bottom: var(--space-2); color: rgba(255,255,255,0.8); }
.calc-field output { font-family: 'IBM Plex Sans', monospace; font-weight: 700; color: #fbbf24; font-variant-numeric: tabular-nums; }
input[type="range"] {
  width: 100%; height: 4px; border-radius: 2px; background: rgba(255,255,255,0.2);
  appearance: none; -webkit-appearance: none;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: var(--color-cta); cursor: pointer; border: 3px solid #fff; box-shadow: var(--shadow-sm);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--color-cta); cursor: pointer; border: 3px solid #fff;
}
.calc-result { background: rgba(255,255,255,0.06); border-radius: var(--radius-md); padding: var(--space-5); text-align: center; }
.donut-wrap { position: relative; width: 180px; height: 180px; margin: 0 auto var(--space-4); }
.donut {
  width: 100%; height: 100%; border-radius: 50%;
  background: conic-gradient(var(--color-cta) calc(var(--principal-pct, 60) * 1%), var(--color-secondary) 0);
  display: flex; align-items: center; justify-content: center;
}
.donut::after { content: ''; width: 68%; height: 68%; border-radius: 50%; background: var(--color-primary); }
.donut-label { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.donut-label .emi-amount { font-size: 22px; font-weight: 700; font-variant-numeric: tabular-nums; }
.donut-label span { font-size: 12px; color: rgba(255,255,255,0.7); }
.calc-legend { display: flex; justify-content: center; gap: var(--space-4); font-size: 13px; }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; margin-right: 6px; }
.legend-dot.principal { background: var(--color-cta); }
.legend-dot.interest { background: var(--color-secondary); }
.calc-breakdown { display: flex; justify-content: space-between; margin-top: var(--space-4); font-size: 14px; padding-top: var(--space-4); border-top: 1px solid rgba(255,255,255,0.12); }
.calc-breakdown strong { display: block; font-size: 17px; font-variant-numeric: tabular-nums; color: #fff; }

/* ===== Stats ===== */
.stats-bar { position: relative; z-index: 2; padding: 0 0 var(--space-6); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); text-align: center; padding: var(--space-6) 0; }
.stats-bar .stats-grid {
  background: var(--glass-bg); border: 1px solid rgba(255,255,255,0.6);
  backdrop-filter: var(--glass-blur); -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  margin: -56px auto 0; padding: var(--space-5) var(--space-4);
}
.stat-num { font-size: 34px; font-weight: 700; color: var(--color-primary); font-variant-numeric: tabular-nums; }
.stat-label { font-size: 14px; color: var(--color-text-muted); }
.stats-bar > p { text-align: center; font-size: 12px; color: var(--color-text-muted); padding-top: var(--space-4); }

/* ===== Testimonials ===== */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
.testimonial-card {
  position: relative; background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-md); padding: var(--space-5) var(--space-4) var(--space-4); box-shadow: var(--shadow-depth);
  transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease), border-color var(--duration) var(--ease);
}
.testimonial-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-depth-hover); border-color: var(--color-cta); }
.testimonial-card::before {
  content: '"'; position: absolute; top: 8px; left: var(--space-4); font-size: 56px; line-height: 1;
  font-family: Georgia, serif; color: var(--color-cta); opacity: 0.25;
}
.testimonial-card p { position: relative; font-size: 15px; color: var(--color-text); margin-top: var(--space-3); }
.testimonial-author { display: flex; flex-direction: column; gap: 2px; margin-top: var(--space-3); padding-top: var(--space-3); border-top: 1px solid var(--color-border); }
.author-meta strong { display: block; font-size: 14px; }
.author-meta span { font-size: 13px; color: var(--color-cta); font-weight: 600; }

/* ===== Process ===== */
.process-grid { position: relative; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.process-grid::before {
  content: ''; position: absolute; top: 24px; left: 12%; right: 12%; height: 2px;
  background: repeating-linear-gradient(90deg, var(--color-border) 0 8px, transparent 8px 16px); z-index: 0;
}
.process-step { position: relative; z-index: 1; text-align: center; }
.process-num {
  width: 48px; height: 48px; border-radius: 50%; background: linear-gradient(150deg, #1e293b, var(--color-primary)); color: #fbbf24;
  display: flex; align-items: center; justify-content: center; font-weight: 700; margin: 0 auto var(--space-3);
  box-shadow: 0 0 0 6px var(--color-bg), 0 1px 0 rgba(255,255,255,0.15) inset, 0 10px 18px -6px rgba(15,23,42,0.4);
  transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
}
.process-step:hover .process-num { transform: scale(1.1) translateY(-2px); box-shadow: 0 0 0 6px var(--color-bg), 0 1px 0 rgba(255,255,255,0.15) inset, 0 16px 26px -8px rgba(15,23,42,0.5); }

/* ===== CTA banner ===== */
.cta-banner { background: linear-gradient(120deg, var(--color-secondary), var(--color-primary)); border-radius: var(--radius-lg); padding: var(--space-6); text-align: center; color: #fff; }
.cta-banner h2 { color: #fff; }
.cta-banner p { color: rgba(255,255,255,0.8); }

/* ===== Forms ===== */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-3); }
.form-field { margin-bottom: var(--space-3); }
.form-field.full { grid-column: 1 / -1; }
label { display: block; font-size: 14px; font-weight: 600; margin-bottom: var(--space-1); color: var(--color-primary); }
input[type="text"], input[type="tel"], input[type="email"], select, textarea {
  width: 100%; padding: 13px 14px; border: 1px solid var(--color-border); border-radius: var(--radius-sm);
  font-size: 15px; font-family: inherit; background: #fff; color: var(--color-text);
  transition: border-color var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
}
input:focus, select:focus, textarea:focus { border-color: var(--color-cta); box-shadow: 0 0 0 3px rgba(202,138,4,0.15); outline: none; }
.field-error { color: #b91c1c; font-size: 13px; margin-top: 4px; display: none; }
.form-field.invalid input, .form-field.invalid select { border-color: #b91c1c; }
.form-field.invalid .field-error { display: block; }
.checkbox-row { display: flex; align-items: flex-start; gap: var(--space-2); font-size: 13px; color: var(--color-text-muted); }
.checkbox-row input { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; }
.form-note { font-size: 13px; color: var(--color-text-muted); margin-top: var(--space-2); }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; pointer-events: none; }
.form-success, .form-error-msg { display: none; padding: var(--space-3); border-radius: var(--radius-sm); font-size: 14px; margin-bottom: var(--space-3); }
.form-success { background: #dcfce7; color: #15803d; }
.form-error-msg { background: #fee2e2; color: #b91c1c; }

/* ===== Footer ===== */
.site-footer { background: var(--color-primary); color: rgba(255,255,255,0.75); padding: var(--space-7) 0 var(--space-4); }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr 1.2fr; gap: var(--space-5); margin-bottom: var(--space-6); }
.footer-grid h4 { color: #fff; font-size: 15px; margin-bottom: var(--space-3); }
.footer-grid ul li { margin-bottom: var(--space-2); }
.footer-grid a { font-size: 14px; transition: color var(--duration) var(--ease); }
.footer-grid a:hover { color: var(--color-cta); }
.footer-logo { font-size: 20px; font-weight: 700; color: #fff; margin-bottom: var(--space-2); }
.footer-logo .logo-accent { color: #fbbf24; }
.footer-logo .logo-lockup { --logo-mark: 46px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); padding-top: var(--space-4); display: flex; justify-content: space-between; font-size: 13px; flex-wrap: wrap; gap: var(--space-2); }
.disclaimer { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: var(--space-3); line-height: 1.6; }

/* ===== Blog ===== */
.blog-card {
  display: block; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md);
  padding: var(--space-4); box-shadow: var(--shadow-depth);
  transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease), border-color var(--duration) var(--ease);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-depth-hover); border-color: var(--color-cta); }
.blog-category {
  display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase;
  color: var(--color-cta); background: rgba(202,138,4,0.1); padding: 4px 10px; border-radius: var(--radius-pill); margin-bottom: var(--space-3);
}
.blog-card h3 { font-size: 18px; margin-bottom: var(--space-2); }
.blog-meta { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--color-text-muted); }
.blog-body { font-size: 16px; line-height: 1.8; }
.blog-body h2 { font-size: 24px; margin-top: var(--space-6); margin-bottom: var(--space-3); }
.blog-body p { color: var(--color-text); margin-bottom: var(--space-4); }
.blog-body ul, .blog-body ol { margin: 0 0 var(--space-4); padding-left: 1.4em; color: var(--color-text); }
.blog-body li { margin-bottom: var(--space-2); }
.blog-body a { color: var(--color-secondary); font-weight: 600; }
.blog-body a:hover { color: var(--color-cta); }
.blog-body strong { color: var(--color-primary); }

.legal-page h2 { font-size: 20px; margin-top: var(--space-6); margin-bottom: var(--space-2); }
.legal-page p { color: var(--color-text); line-height: 1.8; }
.legal-page ul { margin: 0 0 var(--space-4); padding-left: 1.4em; color: var(--color-text); }
.legal-page li { margin-bottom: var(--space-2); }
.legal-page a { color: var(--color-secondary); font-weight: 600; }

/* ===== FAQ accordion (native <details>) ===== */
.faq-list { display: flex; flex-direction: column; gap: var(--space-3); }
.faq-item {
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md);
  padding: var(--space-4); box-shadow: var(--shadow-depth);
  transition: border-color var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
}
.faq-item[open] { border-color: var(--color-cta); box-shadow: var(--shadow-depth-hover); }
.faq-item summary {
  cursor: pointer; list-style: none; font-weight: 600; color: var(--color-primary); font-size: 16px;
  display: flex; align-items: center; justify-content: space-between; gap: var(--space-3);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: ''; flex-shrink: 0; width: 20px; height: 20px; border-radius: 50%; background: rgba(202,138,4,0.12);
  background-image: linear-gradient(currentColor, currentColor), linear-gradient(currentColor, currentColor);
  background-size: 10px 2px, 2px 10px; background-position: center; background-repeat: no-repeat; color: var(--color-cta);
  transition: transform var(--duration) var(--ease);
}
.faq-item[open] summary::after { transform: rotate(90deg); background-size: 10px 2px, 0 2px; }
.faq-answer { padding-top: var(--space-3); }
.faq-answer p { margin: 0; }
.faq-answer a { color: var(--color-secondary); font-weight: 600; }

/* ===== Floating action buttons ===== */
.float-btn {
  position: fixed; bottom: var(--space-4); z-index: 60; width: 56px; height: 56px;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  color: #fff; box-shadow: var(--shadow-lg); transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
}
.float-btn:hover { transform: scale(1.08); }
.float-map { left: var(--space-4); background: var(--color-secondary); }
.float-whatsapp { right: var(--space-4); background: #25D366; }
@media (max-width: 640px) {
  .float-btn { width: 50px; height: 50px; bottom: var(--space-3); }
  .float-map { left: var(--space-3); }
  .float-whatsapp { right: var(--space-3); }
}

/* ===== Reveal-on-scroll ===== */
[data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity 500ms var(--ease), transform 500ms var(--ease); }
[data-reveal].in-view { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .modal-backdrop, .modal-panel { animation: none; }
  .tool-card:hover, .tool-link:hover { transform: none; }
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .hero::before, .hero::after { animation: none; }
  .hero-slide, .hero-copy-slide { transition: none; }
  .service-card:hover, .testimonial-card:hover, .trust-item:hover { transform: none; }
  ::view-transition-group(*), ::view-transition-old(*), ::view-transition-new(*) { animation: none !important; }
}

/* ===== Breadcrumb / detail page ===== */
.breadcrumb { font-size: 14px; color: var(--color-text-muted); margin-bottom: var(--space-4); }
.breadcrumb a:hover { color: var(--color-cta); }
.service-detail-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: var(--space-6); align-items: start; }
.eligibility-list li { display: flex; gap: var(--space-2); padding: var(--space-2) 0; border-bottom: 1px solid var(--color-border); font-size: 15px; }
.check-badge {
  width: 20px; height: 20px; border-radius: 50%; background: linear-gradient(150deg, rgba(21,128,61,0.2), rgba(21,128,61,0.08));
  box-shadow: 0 1px 1px rgba(255,255,255,0.6) inset, 0 3px 6px -2px rgba(21,128,61,0.35);
  color: var(--color-success); flex-shrink: 0; display: flex; align-items: center; justify-content: center; margin-top: 2px;
}
.sticky-form {
  position: sticky; top: 90px; background: var(--glass-bg); border: 1px solid rgba(255,255,255,0.6);
  backdrop-filter: var(--glass-blur); -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--radius-md); padding: var(--space-4); box-shadow: var(--shadow-md);
}

/* ===== Enquiry modal ===== */
.modal {
  position: fixed; inset: 0; z-index: 200;
  display: flex; align-items: center; justify-content: center; padding: var(--space-3);
}
.modal[hidden] { display: none; }
.modal-backdrop {
  position: absolute; inset: 0; background: rgba(15,23,42,0.62);
  backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
  animation: modalFade 180ms var(--ease);
}
.modal-panel {
  position: relative; z-index: 1; width: 100%; max-width: 560px;
  max-height: calc(100vh - 32px); overflow-y: auto;
  background: var(--color-surface); border-radius: var(--radius-lg);
  padding: var(--space-5); box-shadow: var(--shadow-lg);
  animation: modalPop 240ms var(--ease-out);
}
.modal-close {
  position: absolute; top: 10px; right: 12px; width: 36px; height: 36px;
  display: flex; align-items: center; justify-content: center;
  border: none; background: transparent; border-radius: 50%;
  font-size: 26px; line-height: 1; color: var(--color-text-muted);
  transition: background var(--duration) var(--ease), color var(--duration) var(--ease);
}
.modal-close:hover { background: var(--color-border); color: var(--color-primary); }
.modal-head { margin-bottom: var(--space-4); padding-right: 36px; }
.modal-head h3 { font-size: 24px; margin-bottom: 6px; }
.modal-head p { font-size: 14px; margin: 0; }
.modal-note { font-size: 12px; color: var(--color-text-muted); margin: 14px 0 0; text-align: center; }
body.modal-open { overflow: hidden; }
@keyframes modalFade { from { opacity: 0; } to { opacity: 1; } }
@keyframes modalPop { from { opacity: 0; transform: translateY(12px) scale(0.98); } to { opacity: 1; transform: none; } }

/* ===== Tools & Calculators ===== */
.tools-grid { display: grid; grid-template-columns: 0.9fr 1fr 1fr; gap: var(--space-4); align-items: start; }
.tools-intro h2 { margin-bottom: var(--space-3); }
.tools-intro p { font-size: 16px; }
.tool-card {
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-lg); padding: var(--space-4);
  box-shadow: var(--shadow-depth); height: 100%;
  transition: box-shadow var(--duration) var(--ease), transform var(--duration) var(--ease);
}
.tool-card:hover { box-shadow: var(--shadow-depth-hover); transform: translateY(-3px); }
.tool-card .service-icon { margin-bottom: var(--space-3); }
.tool-card h3 { font-size: 19px; margin-bottom: 6px; }
.tool-card p { font-size: 14px; margin-bottom: var(--space-3); }
.tool-link {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--color-cta); color: #fff;
  transition: background var(--duration) var(--ease), transform var(--duration) var(--ease);
}
.tool-link:hover { background: var(--color-cta-hover); transform: translateX(3px); }

/* Eligibility calculator */
.elig-grid { display: grid; grid-template-columns: 1fr 0.85fr; gap: var(--space-5); align-items: start; }
.elig-result {
  background: var(--color-primary); color: #fff; border-radius: var(--radius-lg);
  padding: var(--space-4); box-shadow: var(--shadow-lg);
}
.elig-result .eyebrow { color: #fbbf24; }
.elig-amount { font-size: clamp(30px, 5vw, 42px); font-weight: 700; color: #fff; line-height: 1.1; margin: 4px 0 2px; display: block; }
.elig-caption { font-size: 13px; color: rgba(255,255,255,0.7); margin-bottom: var(--space-4); }
.elig-rows { border-top: 1px solid rgba(255,255,255,0.15); }
.elig-row {
  display: flex; justify-content: space-between; gap: var(--space-3);
  padding: 11px 0; border-bottom: 1px solid rgba(255,255,255,0.12);
  font-size: 14px; color: rgba(255,255,255,0.75);
}
.elig-row strong { color: #fff; font-weight: 600; }
.elig-note { font-size: 12px; color: rgba(255,255,255,0.55); margin: var(--space-3) 0 0; }

/* ===== Responsive ===== */
/* Between 1024px and 1280px the pill gets tight. The shorter "Apex Innovation" wordmark frees up
   enough room to keep the link icons — only the spacing and type size step down. */
@media (max-width: 1280px) {
  .floating-nav { gap: var(--space-2); padding: 8px 8px 8px 18px; }
  .logo-lockup { --logo-mark: 38px; }
  .nav-links { gap: 0; }
  .nav-links a { padding: 8px 10px; font-size: 13.5px; gap: 5px; }
  .nav-links a .svc-icon { width: 16px; height: 16px; }
  .nav-calc-btn { padding: 9px 14px; font-size: 13px; }
}
/* Below 1024px the six links genuinely can't fit — switch to the hamburger drawer. */
@media (max-width: 1024px) {
  .nav-links {
    position: fixed; top: 78px; left: var(--space-3); right: var(--space-3); bottom: auto;
    max-height: calc(100vh - 96px); z-index: 60;
    background: #fff; backdrop-filter: var(--glass-blur); -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid rgba(15,23,42,0.08); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
    flex-direction: column; align-items: stretch; padding: var(--space-3); gap: 4px; overflow-y: auto;
    opacity: 0; visibility: hidden; transform: translateY(-12px); transition: opacity var(--duration) var(--ease), transform var(--duration) var(--ease), visibility var(--duration);
  }
  .nav-links.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
  /* Inside the drawer there's plenty of room — bring the icons back and go full size. */
  .nav-links a { justify-content: center; gap: 8px; padding: 14px; font-size: 16px; border-radius: var(--radius-md); }
  .nav-links a .svc-icon { display: block; }
  .nav-toggle { display: flex; }
}
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .hero-grid, .calc-grid, .service-detail-grid { grid-template-columns: 1fr; }
  .tools-grid { grid-template-columns: 1fr; }
  .elig-grid { grid-template-columns: 1fr; }
  .tools-intro { text-align: center; }
  .tool-card { text-align: center; }
  .tool-card .service-icon { margin-left: auto; margin-right: auto; }
  .tool-link { margin: 0 auto; }
  .testimonials-grid, .process-grid, .offerings-grid { grid-template-columns: 1fr; }
  .process-grid::before { display: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }

  /* Center-align content for mobile/tablet readability */
  .hero-grid > div:first-child { text-align: center; }
  .hero p { text-align: justify; margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  /* On one column the stat cards were left-aligned inside a full-width box, which read as
     misaligned against the centred hero copy. Centre their contents to match. */
  .trust-row { justify-content: center; }
  .trust-item { justify-content: center; text-align: center; }
  /* The EMI card's Apply Now button and eligibility link sit centred too. */
  .emi-card-actions { justify-content: center; }
  .service-card, .testimonial-card { text-align: center; }
  .service-icon, .testimonial-card::before { margin-left: auto; margin-right: auto; }
  .service-card a.service-link { justify-content: center; width: 100%; }
  .testimonial-card::before { left: 50%; transform: translateX(-50%); }
  .testimonial-author { align-items: center; }
  .footer-grid { text-align: center; }
  .footer-grid ul { display: flex; flex-direction: column; align-items: center; }
  .footer-logo { text-align: center; }
  .footer-logo .logo-lockup { justify-content: center; }
  .site-footer p, .site-footer .disclaimer { text-align: justify; }
  .footer-bottom { justify-content: center; text-align: center; }
  .service-detail-grid > div:first-child { text-align: center; }
  .service-detail-grid .service-icon { margin: 0 auto 20px; }
  .eligibility-list li { justify-content: center; text-align: left; max-width: 420px; margin: 0 auto; }
}
@media (max-width: 640px) {
  .services-grid { grid-template-columns: 1fr 1fr; }
  .modal { padding: 0; align-items: flex-end; }
  .modal-panel { max-width: none; max-height: 92vh; border-radius: var(--radius-lg) var(--radius-lg) 0 0; padding: var(--space-4); }
  .form-grid { grid-template-columns: 1fr; }
  section { padding: var(--space-6) 0; }
  .sticky-form { position: static; }
  .floating-nav { padding: 6px 6px 6px 16px; gap: var(--space-2); }
  .logo-lockup { --logo-mark: 32px; }
  .nav-calc-btn span { display: none; }
  .nav-calc-btn { padding: 10px; }
}
/* Narrowest phones — keep the wordmark clear of the EMI button and hamburger inside the pill. */
@media (max-width: 380px) {
  .logo-lockup { --logo-mark: 28px; }
  .floating-nav { padding: 6px 6px 6px 14px; }
}