/* ==========================================================================
   RichOne Financial Service - Ultra-Premium Design System & Stylesheet
   Faithfully matching the approved design layout and color palette
   ========================================================================== */

:root {
    /* Brand Colors matching mockup */
    --navy-darkest: #040e1b;
    --navy-dark: #071526;
    --navy-hero: #081a32;
    --navy-primary: #0b2240;
    --navy-card: #0d274c;

    --gold-primary: #f59e0b;
    --gold-dark: #d97706;
    --gold-light: #fbbf24;
    --orange-primary: #ea580c;
    --gradient-gold: linear-gradient(135deg, #f59e0b 0%, #ea580c 100%);
    --gradient-gold-h: linear-gradient(90deg, #d97706 0%, #f59e0b 100%);
    --gradient-navy: linear-gradient(145deg, #071526 0%, #0b2240 100%);

    --text-white: #ffffff;
    --text-light-muted: rgba(255, 255, 255, 0.78);
    --text-dark: #0f172a;
    --text-main: #1e293b;
    --text-muted: #64748b;

    --bg-page: #f8fafc;
    --bg-card: #ffffff;
    --border-light: #e2e8f0;
    --border-color: #e2e8f0;
    --border-navy-trans: rgba(255, 255, 255, 0.15);

    --shadow-card: 0 4px 18px rgba(11, 34, 64, 0.06);
    --shadow-md: 0 8px 24px rgba(11, 34, 64, 0.08);
    --shadow-lg: 0 16px 36px rgba(7, 21, 38, 0.18);
    --shadow-float: 0 10px 30px rgba(11, 34, 64, 0.1);
    --shadow-gold: 0 8px 24px rgba(217, 119, 6, 0.35);

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-full: 9999px;

    --font-heading: 'Outfit', sans-serif;
    --font-body: 'Inter', sans-serif;
}

/* Base Resets */
*,
*::before,
*::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    color: var(--text-main);
    background-color: var(--bg-page);
    line-height: 1.55;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

a {
    color: inherit;
    text-decoration: none;
    transition: all 0.25s ease;
}

ul {
    list-style: none;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: var(--font-heading);
    color: var(--navy-primary);
    font-weight: 700;
    line-height: 1.2;
}

.container {
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
}

.container-fluid {
    width: 100%;
    padding: 0 32px;
}

.text-gold {
    color: var(--gold-primary) !important;
}

/* ==========================================================================
   1. TOP CONTACT STRIP
   ========================================================================== */
.top-bar {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.88);
    font-size: 0.82rem;
    padding: 7px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.top-bar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-bar-left,
.top-bar-right {
    display: flex;
    align-items: center;
    gap: 22px;
}

.top-item {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: rgba(255, 255, 255, 0.88);
    font-size: 0.82rem;
}

.top-item i {
    color: var(--gold-primary);
    font-size: 0.82rem;
}

.top-item:hover {
    color: var(--gold-primary);
}

/* ==========================================================================
   2. MAIN HEADER & NAVBAR
   ========================================================================== */
.site-header {
    background: #ffffff;
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid var(--border-light);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.04);
}

.header-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 82px;
}

.brand-logo {
    display: inline-flex;
    align-items: center;
}

.header-logo-img {
    height: 54px;
    width: auto;
    object-fit: contain;
}

.desktop-nav {
    display: flex;
    align-items: center;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-link {
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--navy-primary);
    position: relative;
    padding: 8px 0;
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

.nav-link:hover {
    color: var(--gold-dark);
}

.nav-link.active {
    color: var(--gold-dark);
}

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: var(--gold-dark);
    border-radius: var(--radius-full);
}

.dropdown-arrow {
    font-size: 0.68rem;
    transition: transform 0.25s ease;
}

/* Mega / Dropdown Menu */
.nav-item.dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: calc(100% + 6px);
    left: 50%;
    transform: translateX(-50%) translateY(8px);
    background: #ffffff;
    width: 380px;
    border-radius: var(--radius-md);
    box-shadow: 0 16px 40px rgba(11, 34, 64, 0.16);
    border: 1px solid var(--border-light);
    padding: 10px;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.22s ease, transform 0.22s ease, visibility 0.22s ease;
    z-index: 1050;
}

/* Invisible hover bridge to eliminate any hover gap */
.dropdown-menu::before {
    content: '';
    position: absolute;
    top: -14px;
    left: 0;
    width: 100%;
    height: 14px;
    background: transparent;
}

/* Active / Open state on hover or toggle */
.nav-item.dropdown:hover .dropdown-menu,
.nav-item.dropdown.open .dropdown-menu {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateX(-50%) translateY(0);
}

.nav-item.dropdown:hover .dropdown-arrow,
.nav-item.dropdown.open .dropdown-arrow {
    transform: rotate(180deg);
    color: var(--gold-dark);
}

.dropdown-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    color: var(--navy-primary);
    transition: all 0.2s ease;
    text-decoration: none;
}

.dropdown-item:hover {
    background: #f8fafc;
    color: var(--gold-dark);
    transform: translateX(3px);
}

.dropdown-item-icon {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(245, 158, 11, 0.12);
    color: var(--gold-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.05rem;
    flex-shrink: 0;
    transition: all 0.2s ease;
}

.dropdown-item:hover .dropdown-item-icon {
    background: var(--gold-primary);
    color: #ffffff;
}

.dropdown-item-info strong {
    display: block;
    font-size: 0.92rem;
    font-family: var(--font-heading);
    color: var(--navy-primary);
}

.dropdown-item-info span {
    display: block;
    font-size: 0.77rem;
    color: var(--text-muted);
    line-height: 1.35;
}

.dropdown-divider {
    height: 1px;
    background: var(--border-light);
    margin: 8px 6px;
}

.dropdown-footer-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    font-family: var(--font-heading);
    font-size: 0.86rem;
    font-weight: 700;
    color: var(--gold-dark);
    background: rgba(245, 158, 11, 0.08);
    transition: all 0.2s ease;
    text-decoration: none;
}

.dropdown-footer-link:hover {
    background: var(--gold-dark);
    color: #ffffff;
}

/* Header Actions & CTA Button */
.header-actions {
    display: flex;
    align-items: center;
    gap: 14px;
}

.btn-header-touch {
    background: var(--gradient-gold);
    color: #ffffff;
    font-family: var(--font-heading);
    font-size: 0.92rem;
    font-weight: 600;
    padding: 11px 22px;
    border-radius: 6px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    box-shadow: 0 4px 14px rgba(234, 88, 12, 0.25);
    transition: all 0.25s ease;
    white-space: nowrap;
}

.btn-header-touch:hover {
    background: linear-gradient(135deg, #fbbf24 0%, #f97316 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.35);
    color: #ffffff;
}

/* Mobile Hamburger Toggle */
.mobile-toggle-btn {
    display: none;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    background: #f8fafc;
    border: 1.5px solid var(--border-light);
    border-radius: 10px;
    cursor: pointer;
    padding: 0;
    transition: all 0.25s ease;
    flex-shrink: 0;
}

.mobile-toggle-btn span {
    display: block;
    height: 2.5px;
    width: 22px;
    background: var(--navy-primary);
    border-radius: 2px;
    transition: all 0.25s ease;
}

.mobile-toggle-btn:hover,
.mobile-toggle-btn:active {
    background: var(--navy-primary);
    border-color: var(--navy-primary);
}

.mobile-toggle-btn:hover span,
.mobile-toggle-btn:active span {
    background: #ffffff;
}

/* ==========================================================================
   3. HERO SLIDER BANNER (ROTATING & ANIMATED)
   ========================================================================== */
.hero-slider-exact {
    position: relative;
    background-color: var(--navy-hero);
    min-height: 560px;
    overflow: hidden;
}

.hero-slides-wrapper {
    display: grid;
    grid-template-columns: 1fr;
    grid-template-rows: 1fr;
    position: relative;
    width: 100%;
    min-height: 560px;
}

.hero-slide-exact {
    grid-column: 1;
    grid-row: 1;
    width: 100%;
    height: 100%;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.5s ease;
    transform: scale(1.02);
    display: flex;
    align-items: center;
    background-position: center right;
    background-repeat: no-repeat;
    background-size: cover;
    padding: 80px 0 100px;
    z-index: 1;
    box-sizing: border-box;
}

.hero-slide-exact.active {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: scale(1);
    z-index: 2;
    transition: opacity 0.5s ease, transform 0.5s ease;
}

.hero-slide-exact:not(.active) * {
    opacity: 0 !important;
    pointer-events: none !important;
}

.hero-slide-exact.active .hero-eyebrow-tag {
    animation: fadeInDown 0.6s ease forwards;
}

.hero-slide-exact.active .hero-headline-exact {
    animation: fadeInUp 0.7s ease 0.1s forwards;
}

.hero-slide-exact.active .hero-subtext-exact {
    animation: fadeInUp 0.7s ease 0.2s forwards;
}

.hero-slide-exact.active .hero-cta-group {
    animation: fadeInUp 0.7s ease 0.3s forwards;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(22px);
    }

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

@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-18px);
    }

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

.hero-banner-container {
    position: relative;
    z-index: 5;
    width: 100%;
}

.hero-left-content {
    max-width: 620px;
}

.hero-eyebrow-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-heading);
    font-size: 0.84rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold-primary);
    margin-bottom: 16px;
}

.hero-eyebrow-tag .dash {
    display: inline-block;
    width: 24px;
    height: 2.5px;
    background: var(--gold-primary);
    border-radius: 2px;
}

.hero-headline-exact {
    font-family: var(--font-heading);
    font-size: 3.4rem;
    font-weight: 800;
    color: #ffffff;
    line-height: 1.15;
    margin-bottom: 18px;
    letter-spacing: -0.5px;
}

.hero-headline-exact .gold-word {
    color: var(--gold-primary);
}

.hero-subtext-exact {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.9);
    line-height: 1.6;
    margin-bottom: 34px;
    max-width: 520px;
}

.hero-cta-group {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 42px;
    flex-wrap: wrap;
}

.btn-hero-gold {
    background: var(--gradient-gold);
    color: #ffffff;
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 600;
    padding: 13px 26px;
    border-radius: 6px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 4px 18px rgba(245, 158, 11, 0.35);
    border: none;
    cursor: pointer;
    transition: all 0.25s ease;
}

.btn-hero-gold:hover {
    background: linear-gradient(135deg, #fbbf24 0%, #f97316 100%);
    transform: translateY(-2px);
    color: #ffffff;
}

.btn-hero-outline {
    background: rgba(7, 21, 38, 0.5);
    color: #ffffff;
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 600;
    padding: 12px 26px;
    border-radius: 6px;
    border: 1.5px solid rgba(255, 255, 255, 0.7);
    display: inline-flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    transition: all 0.25s ease;
}

.btn-hero-outline:hover {
    background: #ffffff;
    color: var(--navy-primary);
    border-color: #ffffff;
    transform: translateY(-2px);
}

.btn-arrow-circ {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    border: 1.5px solid currentColor;
    font-size: 0.75rem;
}

/* Slider Controls & Pagination Dots */
.hero-controls-bar {
    position: absolute;
    bottom: 50px;
    left: 0;
    width: 100%;
    z-index: 10;
}

.hero-pagination-dots {
    display: flex;
    align-items: center;
    gap: 8px;
}

.h-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.75);
    border: none;
    cursor: pointer;
    padding: 0;
    transition: all 0.3s ease;
}

.h-dot:hover {
    background: #ffffff;
}

.h-dot.active {
    width: 28px;
    border-radius: 5px;
    background: var(--gold-primary);
}

/* Side Slider Arrows */
.hero-side-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: rgba(7, 21, 38, 0.65);
    color: #ffffff;
    border: 1px solid rgba(255, 255, 255, 0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.15rem;
    cursor: pointer;
    z-index: 15;
    transition: all 0.25s ease;
    backdrop-filter: blur(4px);
}

.hero-side-arrow:hover {
    background: var(--gold-primary);
    color: var(--navy-dark);
    border-color: var(--gold-primary);
    transform: translateY(-50%) scale(1.08);
}

.arrow-left {
    left: 20px;
}

.arrow-right {
    right: 20px;
}

/* Golden Wave Divider at Bottom of Hero */
.hero-wave-shape {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    overflow: hidden;
    line-height: 0;
    z-index: 6;
}

.hero-wave-shape svg {
    position: relative;
    display: block;
    width: 100%;
    height: 48px;
}

/* ==========================================================================
   4. TRUST / QUICK BENEFITS BAR (DARK NAVY)
   ========================================================================== */
.trust-strip-dark {
    background: #051426;
    padding: 24px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.trust-strip-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    align-items: center;
}

.trust-strip-item {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 8px 18px;
    position: relative;
}

.trust-strip-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 15%;
    height: 70%;
    width: 1px;
    background: rgba(255, 255, 255, 0.16);
}

.trust-gold-circ {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    border: 2px solid var(--gold-primary);
    background: transparent;
    color: var(--gold-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    flex-shrink: 0;
}

.trust-text-block h4 {
    color: #ffffff;
    font-size: 0.98rem;
    font-weight: 700;
    margin-bottom: 3px;
}

.trust-text-block p {
    color: rgba(255, 255, 255, 0.72);
    font-size: 0.8rem;
    line-height: 1.35;
}

/* ==========================================================================
   5. OUR SERVICES SECTION (6 CARDS IN 1 ROW)
   ========================================================================== */
.services-section-exact {
    padding: 75px 0 85px;
    background: #ffffff;
}

.section-header-exact {
    text-align: center;
    margin-bottom: 48px;
}

.eyebrow-rule {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-heading);
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold-dark);
    margin-bottom: 8px;
}

.eyebrow-rule::before,
.eyebrow-rule::after {
    content: '';
    display: inline-block;
    width: 32px;
    height: 2px;
    background: var(--gold-primary);
}

.section-title-exact {
    font-family: var(--font-heading);
    font-size: 2.35rem;
    font-weight: 800;
    color: var(--navy-primary);
    margin-bottom: 6px;
}

.section-subtitle-exact {
    font-size: 1.02rem;
    color: var(--text-muted);
}

.services-row-4 {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

/* Base Themed Card */
.service-card-themed {
    border-radius: 16px;
    padding: 28px 20px 24px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    box-shadow: 0 4px 18px rgba(0, 0, 0, 0.04);
    transition: all 0.3s ease;
    position: relative;
}

.service-card-themed:hover {
    transform: translateY(-8px);
    box-shadow: 0 16px 36px rgba(11, 34, 64, 0.08);
}

.card-icon-circ {
    width: 66px;
    height: 66px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    margin-bottom: 16px;
    transition: transform 0.3s ease;
}

.service-card-themed:hover .card-icon-circ {
    transform: scale(1.08);
}

.card-theme-title {
    font-family: var(--font-heading);
    font-size: 1.22rem;
    font-weight: 800;
    color: #071526;
    margin-bottom: 16px;
    line-height: 1.25;
}

.card-theme-list {
    width: 100%;
    display: flex;
    flex-direction: column;
    gap: 9px;
    text-align: left;
    margin-bottom: 18px;
    padding: 0 4px;
}

.card-theme-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.88rem;
    color: #334155;
    font-weight: 500;
    line-height: 1.4;
}

.card-theme-list li i {
    font-size: 0.82rem;
    margin-top: 3px;
    flex-shrink: 0;
}

.card-theme-img-wrap {
    width: 100%;
    height: 160px;
    border-radius: 12px;
    overflow: hidden;
    margin-top: auto;
    margin-bottom: 20px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
}

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

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

.btn-theme-pill {
    padding: 9px 26px;
    border-radius: 9999px;
    font-family: var(--font-heading);
    font-size: 0.86rem;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    transition: all 0.25s ease;
    box-shadow: 0 3px 10px rgba(0, 0, 0, 0.12);
}

.btn-theme-pill:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.18);
}

/* Themes: Insurance (Warm Amber/Orange) */
.theme-insurance {
    background: #fffdf9;
    border: 1.5px solid #fed7aa;
}

.theme-insurance .card-icon-circ {
    background: #fef3c7;
    color: #d97706;
}

.theme-insurance .card-theme-list li i {
    color: #d97706;
}

.theme-insurance .btn-theme-pill {
    background: #f59e0b;
    color: #ffffff;
}

.theme-insurance .btn-theme-pill:hover {
    background: #d97706;
}

/* Themes: Loans (Cool Sky Blue) */
.theme-loans {
    background: #f8fbff;
    border: 1.5px solid #bae6fd;
}

.theme-loans .card-icon-circ {
    background: #e0f2fe;
    color: #0284c7;
}

.theme-loans .card-theme-list li i {
    color: #0284c7;
}

.theme-loans .btn-theme-pill {
    background: #0b2240;
    color: #ffffff;
}

.theme-loans .btn-theme-pill:hover {
    background: #07172d;
}

/* Themes: Financial Planning (Fresh Green) */
.theme-planning {
    background: #f6fdf8;
    border: 1.5px solid #bbf7d0;
}

.theme-planning .card-icon-circ {
    background: #dcfce7;
    color: #16a34a;
}

.theme-planning .card-theme-list li i {
    color: #16a34a;
}

.theme-planning .btn-theme-pill {
    background: #15803d;
    color: #ffffff;
}

.theme-planning .btn-theme-pill:hover {
    background: #166534;
}

/* Themes: Tax & Professional (Royal Purple/Violet) */
.theme-tax {
    background: #faf8ff;
    border: 1.5px solid #ddd6fe;
}

.theme-tax .card-icon-circ {
    background: #ede9fe;
    color: #7c3aed;
}

.theme-tax .card-theme-list li i {
    color: #7c3aed;
}

.theme-tax .btn-theme-pill {
    background: #5b21b6;
    color: #ffffff;
}

.theme-tax .btn-theme-pill:hover {
    background: #4c1d95;
}

/* Themes: Legal Documentation (Deep Navy + Gold) */
.theme-legal {
    background: #f0f4ff;
    border: 1.5px solid #c7d2fe;
}

.theme-legal .card-icon-circ {
    background: #e0e7ff;
    color: #1e3a8a;
}

.theme-legal .card-theme-list li i {
    color: #1e3a8a;
}

.theme-legal .btn-theme-pill {
    background: #1e3a8a;
    color: #ffffff;
}

.theme-legal .btn-theme-pill:hover {
    background: #1e40af;
}

/* ==========================================================================
   2. FAMILY FINANCIAL PILLARS SHOWCASE (WARM LUXURY ADVISOR)
   ========================================================================== */
.family-showcase-section {
    background: linear-gradient(180deg, #f8fafc 0%, #f1f5f9 100%);
    padding: 70px 0 80px;
    border-bottom: 1px solid #e2e8f0;
    position: relative;
}

.family-showcase-grid {
    display: grid;
    grid-template-columns: 0.92fr 1.28fr;
    gap: 42px;
    align-items: center;
}

/* Left: Family Visual Anchor */
.family-showcase-visual {
    position: relative;
}

.family-frame {
    position: relative;
    border-radius: 20px;
    overflow: hidden;
    height: 520px;
    box-shadow: 0 20px 45px -12px rgba(7, 21, 38, 0.16), 0 0 0 1px rgba(7, 21, 38, 0.05);
}

.family-frame-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 25%;
    display: block;
    transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.family-frame:hover .family-frame-img {
    transform: scale(1.03);
}

.family-frame-gradient {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(7, 21, 38, 0.92) 0%, rgba(7, 21, 38, 0.45) 45%, transparent 75%);
    pointer-events: none;
}

/* Floating Glass Badges */
.float-badge {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 14px;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid rgba(255, 255, 255, 0.85);
    border-radius: 14px;
    box-shadow: 0 10px 25px rgba(7, 21, 38, 0.14);
    z-index: 2;
    transition: transform 0.3s ease;
}

.float-badge:hover {
    transform: translateY(-2px);
}

.badge-top-right {
    top: 18px;
    right: 18px;
}

.badge-bottom-left {
    bottom: 125px;
    left: 18px;
}

.badge-icon-star {
    width: 34px;
    height: 34px;
    border-radius: 10px;
    background: linear-gradient(135deg, #f59e0b 0%, #d97706 100%);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.95rem;
    flex-shrink: 0;
}

.badge-icon-check {
    width: 34px;
    height: 34px;
    border-radius: 10px;
    background: linear-gradient(135deg, #059669 0%, #047857 100%);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.95rem;
    flex-shrink: 0;
}

.badge-text {
    display: flex;
    flex-direction: column;
}

.badge-text strong {
    font-size: 0.82rem;
    font-weight: 700;
    color: #0f172a;
    line-height: 1.2;
}

.badge-text span {
    font-size: 0.7rem;
    color: #64748b;
    font-weight: 500;
}

/* Image Bottom Caption */
.family-frame-caption {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    padding: 22px 24px;
    z-index: 2;
}

.family-caption-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(245, 158, 11, 0.25);
    border: 1px solid rgba(245, 158, 11, 0.45);
    color: #fbbf24;
    padding: 4px 11px;
    border-radius: 20px;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    margin-bottom: 8px;
}

.family-caption-text {
    color: #ffffff;
    font-size: 1.2rem;
    font-weight: 700;
    line-height: 1.35;
    margin: 0;
}

/* Right: Showcase Content */
.family-showcase-content {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.family-section-header {
    margin-bottom: 22px;
}

.eyebrow-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(217, 119, 6, 0.12);
    border: 1px solid rgba(217, 119, 6, 0.25);
    color: #b45309;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    padding: 6px 14px;
    border-radius: 30px;
    margin-bottom: 12px;
}

.family-showcase-title {
    color: #071526;
    font-size: 2.15rem;
    font-weight: 800;
    line-height: 1.25;
    margin: 0 0 10px;
    letter-spacing: -0.02em;
}

.family-showcase-desc {
    color: #475569;
    font-size: 0.95rem;
    line-height: 1.6;
    margin: 0;
}

/* 4 Pillar Cards Grid */
.family-cards-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.pillar-box {
    background: #ffffff;
    border: 1.5px solid #e2e8f0;
    border-radius: 16px;
    padding: 20px;
    text-decoration: none;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: all 0.28s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: 0 4px 14px rgba(7, 21, 38, 0.04);
    position: relative;
    overflow: hidden;
}

.pillar-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: transparent;
    transition: background 0.28s ease;
}

.pillar-box:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 32px -8px rgba(7, 21, 38, 0.12);
}

.p-box-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 14px;
}

.p-box-icon {
    width: 46px;
    height: 46px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    transition: transform 0.25s ease;
}

.pillar-box:hover .p-box-icon {
    transform: scale(1.08);
}

.p-box-arrow {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #f1f5f9;
    color: #64748b;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    transition: all 0.25s ease;
}

.pillar-box:hover .p-box-arrow {
    transform: translateX(3px);
}

.p-box-title {
    color: #0f172a;
    font-size: 1.05rem;
    font-weight: 700;
    margin: 0 0 6px;
    line-height: 1.3;
}

.p-box-desc {
    color: #64748b;
    font-size: 0.8rem;
    line-height: 1.45;
    margin: 0 0 12px;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.p-box-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
}

.p-tag {
    font-size: 0.72rem;
    font-weight: 600;
    padding: 3px 8px;
    border-radius: 6px;
}

/* Color Themes for each Pillar */
/* 1. Loans & Insurance */
.p-box-loans .p-box-icon {
    background: linear-gradient(135deg, #fee2e2 0%, #fecaca 100%);
    color: #dc2626;
}

.p-box-loans .p-tag {
    background: #fef2f2;
    color: #b91c1c;
    border: 1px solid #fee2e2;
}

.p-box-loans:hover {
    border-color: #ef4444;
}

.p-box-loans:hover::before {
    background: #dc2626;
}

.p-box-loans:hover .p-box-arrow {
    background: #dc2626;
    color: #ffffff;
}

/* 2. Investment & Savings */
.p-box-investment .p-box-icon {
    background: linear-gradient(135deg, #dcfce7 0%, #bbf7d0 100%);
    color: #16a34a;
}

.p-box-investment .p-tag {
    background: #f0fdf4;
    color: #15803d;
    border: 1px solid #dcfce7;
}

.p-box-investment:hover {
    border-color: #22c55e;
}

.p-box-investment:hover::before {
    background: #16a34a;
}

.p-box-investment:hover .p-box-arrow {
    background: #16a34a;
    color: #ffffff;
}

/* 3. Tax Consultant */
.p-box-tax .p-box-icon {
    background: linear-gradient(135deg, #ede9fe 0%, #ddd6fe 100%);
    color: #7c3aed;
}

.p-box-tax .p-tag {
    background: #f5f3ff;
    color: #6d28d9;
    border: 1px solid #ede9fe;
}

.p-box-tax:hover {
    border-color: #8b5cf6;
}

.p-box-tax:hover::before {
    background: #7c3aed;
}

.p-box-tax:hover .p-box-arrow {
    background: #7c3aed;
    color: #ffffff;
}

/* 4. Legal Documentation */
.p-box-legal .p-box-icon {
    background: linear-gradient(135deg, #fef3c7 0%, #e0e7ff 100%);
    color: #1e3a8a;
}

.p-box-legal .p-tag {
    background: #f8fafc;
    color: #1e3a8a;
    border: 1px solid #c7d2fe;
}

.p-box-legal:hover {
    border-color: #3b82f6;
}

.p-box-legal:hover::before {
    background: #1e3a8a;
}

.p-box-legal:hover .p-box-arrow {
    background: #1e3a8a;
    color: #ffffff;
}

/* Responsive Breakpoints */
@media (max-width: 1024px) {
    .family-showcase-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .family-frame {
        height: 380px;
    }

    .family-showcase-title {
        font-size: 1.8rem;
    }
}

@media (max-width: 640px) {
    .family-showcase-section {
        padding: 48px 0 56px;
    }

    .family-frame {
        height: 300px;
    }

    .badge-top-right {
        top: 12px;
        right: 12px;
        padding: 8px 10px;
    }

    .badge-bottom-left {
        display: none;
    }

    .family-frame-caption {
        padding: 16px 18px;
    }

    .family-caption-text {
        font-size: 1.05rem;
    }

    .family-cards-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .family-showcase-title {
        font-size: 1.5rem;
    }
}




/* ==========================================================================
   4. WHY CHOOSE RICHONE? (DARK NAVY WITH 2x2 CENTER & RIGHT PHOTO)
   ========================================================================== */
.why-choose-exact-section {
    background: #071526;
    color: #ffffff;
    padding: 80px 0 95px;
    position: relative;
}

.why-choose-3col-grid {
    display: grid;
    grid-template-columns: 1fr 1.7fr 1.3fr;
    gap: 40px;
    align-items: center;
}

.why-left-text h2 {
    font-family: var(--font-heading);
    font-size: 2.8rem;
    font-weight: 800;
    color: #ffffff;
    line-height: 1.15;
    margin-bottom: 0;
}

.why-left-text h2 .gold-span {
    color: #f59e0b;
}

.why-gold-divider {
    width: 55px;
    height: 2.5px;
    background: #f59e0b;
    margin: 18px 0 20px;
    border-radius: 2px;
}

.why-left-text p {
    font-size: 0.96rem;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.65;
}

/* Center 2x2 Grid */
.why-center-2x2 {
    display: flex;
    flex-direction: column;
}

.why-2x2-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.why-pillar-item {
    display: flex;
    align-items: center;
    gap: 16px;
}

.pillar-white-circ {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: #ffffff;
    color: #f59e0b;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    flex-shrink: 0;
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.2);
}

.pillar-row-text h4 {
    color: #ffffff;
    font-size: 0.98rem;
    font-weight: 700;
    margin-bottom: 3px;
    line-height: 1.3;
}

.pillar-row-text p {
    color: rgba(255, 255, 255, 0.75);
    font-size: 0.82rem;
    line-height: 1.4;
}

.why-center-divider {
    width: 100%;
    height: 1px;
    background: rgba(255, 255, 255, 0.14);
    margin: 24px 0;
}

.why-right-graphic {
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 16px 40px rgba(0, 0, 0, 0.4);
    border: 1.5px solid rgba(255, 255, 255, 0.12);
}

.why-right-graphic img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

/* ==========================================================================
   5. STATISTICS COUNTER BAR (ANIMATED FLOATING WHITE CARD)
   ========================================================================== */
.stats-floating-section {
    padding: 0;
    margin-top: -38px;
    position: relative;
    z-index: 10;
}

.stats-card-white {
    background: #ffffff;
    border-radius: 14px;
    box-shadow: 0 14px 38px rgba(7, 21, 38, 0.12);
    border: 1px solid rgba(0, 0, 0, 0.06);
    padding: 24px 32px;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    align-items: center;
}

.stat-single-col {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    position: relative;
    padding: 6px 16px;
}

.stat-single-col:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 15%;
    height: 70%;
    width: 1px;
    background: #e2e8f0;
}

.stat-big-icon {
    font-size: 2.35rem;
    color: #071526;
}

.stat-text-wrap {
    display: flex;
    flex-direction: column;
}

.stat-num-bold {
    font-family: var(--font-heading);
    font-size: 2.2rem;
    font-weight: 800;
    color: #071526;
    line-height: 1.05;
}

.stat-goal-txt {
    font-size: 1.15rem;
    font-weight: 700;
    color: #071526;
}

.stat-lbl-sub {
    font-size: 0.86rem;
    color: #64748b;
    font-weight: 500;
    margin-top: 2px;
}

/* ==========================================================================
   6. NEED EXPERT FINANCIAL ADVICE BANNER
   ========================================================================== */
.expert-advice-section {
    padding: 40px 0 55px;
    background: #f8fafc;
}

.advice-gold-strip {
    background: linear-gradient(135deg, #d97706 0%, #f59e0b 50%, #d97706 100%);
    border-radius: 12px;
    padding: 24px 36px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    box-shadow: 0 10px 30px rgba(217, 119, 6, 0.25);
    position: relative;
    overflow: hidden;
}

.advice-gold-strip::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(circle at 10% 50%, rgba(255, 255, 255, 0.2) 0%, transparent 60%);
    pointer-events: none;
}

.advice-strip-left {
    display: flex;
    align-items: center;
    gap: 18px;
    position: relative;
    z-index: 2;
}

.advice-phone-circ {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: #071526;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    flex-shrink: 0;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.advice-text-block h3 {
    color: #071526;
    font-size: 1.4rem;
    font-weight: 800;
    margin-bottom: 2px;
}

.advice-text-block p {
    color: #1e293b;
    font-size: 0.95rem;
    font-weight: 500;
}

.btn-advice-navy {
    background: #071526;
    color: #ffffff;
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 700;
    padding: 12px 26px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    box-shadow: 0 4px 14px rgba(7, 21, 38, 0.3);
    flex-shrink: 0;
    text-decoration: none;
    transition: all 0.25s ease;
    position: relative;
    z-index: 2;
}

.btn-advice-navy:hover {
    background: #040e1a;
    color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(7, 21, 38, 0.4);
}

.btn-arrow-circ {
    width: 24px;
    height: 24px;
    border: 1.5px solid rgba(255, 255, 255, 0.8);
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.72rem;
}

/* ==========================================================================
   9. FOOTER (DARK NAVY)
   ========================================================================== */
.site-footer-exact {
    background: #040e1b;
    color: rgba(255, 255, 255, 0.78);
    padding-top: 65px;
    border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-4col-grid {
    display: grid;
    grid-template-columns: 1.25fr 0.9fr 1.1fr 1.35fr;
    gap: 40px;
    padding-bottom: 50px;
}

.footer-logo-wrap img {
    height: 50px;
    margin-bottom: 16px;
}

.footer-col-desc {
    font-size: 0.86rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.72);
    margin-bottom: 20px;
}

.footer-social-icons {
    display: flex;
    gap: 10px;
}

.footer-social-icons a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.08);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.9rem;
    transition: all 0.25s ease;
}

.footer-social-icons a:hover {
    background: var(--gold-primary);
    color: var(--navy-dark);
}

.footer-h4 {
    color: #ffffff;
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 20px;
}

.footer-simple-links li {
    margin-bottom: 10px;
}

.footer-simple-links a {
    font-size: 0.86rem;
    color: rgba(255, 255, 255, 0.75);
    transition: all 0.25s ease;
}

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

.footer-contact-block {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.f-contact-line {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.86rem;
}

.f-contact-line i {
    color: var(--gold-primary);
    font-size: 0.95rem;
    margin-top: 4px;
    flex-shrink: 0;
}

.f-contact-line a {
    color: rgba(255, 255, 255, 0.85);
}

.f-contact-line a:hover {
    color: var(--gold-primary);
}

.footer-bottom-bar-exact {
    background: #020810;
    padding: 18px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.04);
    font-size: 0.82rem;
}

.bottom-bar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    color: rgba(255, 255, 255, 0.58);
}

.bottom-bar-links a {
    color: rgba(255, 255, 255, 0.58);
}

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

.footer-developer-credit {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.65);
}

.footer-developer-credit a {
    color: var(--gold-primary);
    font-weight: 600;
    text-decoration: none;
    transition: all 0.2s ease;
}

.footer-developer-credit a:hover {
    color: #ffffff;
    text-decoration: underline;
}

/* ==========================================================================
   FLOATING WHATSAPP & MODAL
   ========================================================================== */
.floating-whatsapp {
    position: fixed;
    bottom: 26px;
    left: 26px;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: #25d366;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.85rem;
    box-shadow: 0 6px 22px rgba(37, 211, 102, 0.45);
    z-index: 999;
    transition: all 0.25s ease;
}

.floating-whatsapp:hover {
    transform: scale(1.1);
    color: #ffffff;
}

/* Mobile Off-Canvas Drawer */
.mobile-drawer {
    position: fixed;
    top: 0;
    right: -340px;
    width: 320px;
    max-width: 88vw;
    height: 100vh;
    background: #ffffff;
    z-index: 2000;
    box-shadow: -10px 0 35px rgba(7, 21, 38, 0.2);
    display: flex;
    flex-direction: column;
    transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.mobile-drawer.open {
    right: 0;
}

.drawer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 20px;
    border-bottom: 1px solid var(--border-light);
    background: #ffffff;
}

.drawer-logo img {
    height: 38px;
    width: auto;
    object-fit: contain;
}

.drawer-close {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: #f1f5f9;
    border: none;
    color: var(--navy-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.15rem;
    cursor: pointer;
    transition: all 0.2s ease;
}

.drawer-close:hover,
.drawer-close:active {
    background: var(--navy-primary);
    color: #ffffff;
}

.drawer-body {
    padding: 18px 18px 30px;
    overflow-y: auto;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.drawer-menu {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.drawer-menu > li > a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 600;
    color: var(--navy-primary);
    padding: 12px 14px;
    border-radius: 8px;
    text-decoration: none;
    transition: all 0.2s ease;
    border-bottom: none;
}

.drawer-menu > li > a:hover,
.drawer-menu > li > a.active {
    background: rgba(245, 158, 11, 0.12);
    color: var(--gold-dark);
}

.drawer-dropdown {
    border-radius: 8px;
    overflow: hidden;
}

.drawer-dropdown-btn {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 14px;
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 600;
    color: var(--navy-primary);
    background: none;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    text-align: left;
    transition: all 0.2s ease;
}

.drawer-dropdown-btn:hover {
    background: rgba(245, 158, 11, 0.1);
    color: var(--gold-dark);
}

.drawer-dropdown.open .drawer-dropdown-btn {
    background: rgba(7, 21, 38, 0.04);
    color: var(--gold-dark);
}

.drawer-dropdown-btn i.fa-chevron-down {
    font-size: 0.82rem;
    transition: transform 0.25s ease;
}

.drawer-dropdown.open .drawer-dropdown-btn i.fa-chevron-down {
    transform: rotate(180deg);
    color: var(--gold-dark);
}

.drawer-submenu {
    display: none;
    flex-direction: column;
    gap: 4px;
    padding: 8px;
    background: #f8fafc;
    border-radius: 8px;
    margin: 4px 4px 8px;
    border-left: 3px solid var(--gold-dark);
}

.drawer-dropdown.open .drawer-submenu {
    display: flex;
}

.drawer-submenu a,
.drawer-menu .drawer-submenu a {
    font-family: var(--font-body) !important;
    font-size: 0.88rem !important;
    font-weight: 500 !important;
    color: var(--text-main) !important;
    padding: 9px 12px !important;
    border-radius: 6px !important;
    display: flex !important;
    align-items: center !important;
    justify-content: flex-start !important;
    text-align: left !important;
    gap: 12px !important;
    text-decoration: none !important;
    transition: all 0.2s ease !important;
    line-height: 1.35 !important;
    width: 100% !important;
    box-sizing: border-box !important;
}

.drawer-submenu a i,
.drawer-menu .drawer-submenu a i {
    width: 20px !important;
    min-width: 20px !important;
    text-align: center !important;
    flex-shrink: 0 !important;
    font-size: 0.95rem !important;
    color: var(--gold-dark) !important;
    margin: 0 !important;
    transition: transform 0.2s ease, color 0.2s ease;
}

.drawer-submenu a span,
.drawer-menu .drawer-submenu a span {
    flex: 1 1 auto !important;
    text-align: left !important;
    display: block !important;
}

.drawer-submenu a:hover,
.drawer-submenu a.active,
.drawer-menu .drawer-submenu a:hover,
.drawer-menu .drawer-submenu a.active {
    color: var(--navy-primary) !important;
    background: #ffffff !important;
    font-weight: 600 !important;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05) !important;
}

.drawer-submenu a:hover i,
.drawer-submenu a.active i,
.drawer-menu .drawer-submenu a:hover i,
.drawer-menu .drawer-submenu a.active i {
    color: var(--gold-primary) !important;
    transform: scale(1.1);
}

.drawer-contact-box {
    margin-top: 24px;
    padding: 18px;
    background: #f8fafc;
    border-radius: 12px;
    border: 1px solid var(--border-light);
}

.drawer-contact-box h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--navy-primary);
    margin-bottom: 12px;
}

.drawer-contact-box p {
    font-size: 0.86rem;
    color: var(--text-muted);
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.drawer-contact-box p i {
    color: var(--gold-dark);
    width: 16px;
    text-align: center;
}

.btn-drawer-cta {
    background: var(--gradient-gold);
    color: #ffffff;
    font-family: var(--font-heading);
    font-size: 0.9rem;
    font-weight: 700;
    padding: 12px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    text-decoration: none;
    margin-top: 10px;
    width: 100%;
    box-shadow: 0 4px 12px rgba(234, 88, 12, 0.25);
}

.btn-whatsapp {
    background: #25d366;
    color: #ffffff;
    font-family: var(--font-heading);
    font-size: 0.88rem;
    font-weight: 600;
    padding: 11px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    text-decoration: none;
    margin-top: 8px;
    width: 100%;
}

.w-100 {
    width: 100%;
}

.drawer-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(7, 21, 38, 0.65);
    backdrop-filter: blur(4px);
    z-index: 1999;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

.drawer-overlay.open {
    opacity: 1;
    visibility: visible;
}

/* Modal */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(4, 14, 27, 0.75);
    backdrop-filter: blur(5px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    z-index: 3000;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

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

.modal-card {
    background: #ffffff;
    width: 100%;
    max-width: 500px;
    border-radius: var(--radius-lg);
    padding: 32px;
    position: relative;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.3);
}

.modal-close {
    position: absolute;
    top: 18px;
    right: 18px;
    background: #f1f5f9;
    border: none;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    font-size: 1.3rem;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    color: var(--navy-primary);
}

.modal-header h3 {
    font-size: 1.5rem;
    margin-bottom: 4px;
}

.modal-header p {
    font-size: 0.88rem;
    color: var(--text-muted);
    margin-bottom: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 5px;
    margin-bottom: 14px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.form-group label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--navy-primary);
}

.form-control {
    width: 100%;
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-light);
    font-family: var(--font-body);
    font-size: 0.9rem;
}

.form-control:focus {
    outline: none;
    border-color: var(--gold-primary);
    box-shadow: 0 0 0 3px rgba(245, 158, 11, 0.15);
}

.form-status-msg {
    font-size: 0.88rem;
    padding: 10px;
    border-radius: var(--radius-sm);
    display: none;
    text-align: center;
    margin-top: 10px;
}

.form-status-msg.success {
    display: block;
    background: #dcfce7;
    color: #15803d;
}

.form-status-msg.error {
    display: block;
    background: #fee2e2;
    color: #b91c1c;
}

/* Why Outsource Card (Dark Navy with Gold Accents) */
.why-outsource-card {
    background: linear-gradient(145deg, #071526 0%, #0b2240 100%) !important;
    border-radius: 16px;
    padding: 38px 34px;
    color: #ffffff !important;
    box-shadow: 0 16px 36px rgba(7, 21, 38, 0.22);
    border: 1.5px solid rgba(245, 158, 11, 0.35);
}

.why-outsource-header {
    margin-bottom: 20px;
}

.why-outsource-header h3 {
    color: #ffffff !important;
    font-size: 1.45rem;
    font-weight: 700;
    margin-top: 10px;
}

.why-outsource-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
    font-size: 0.95rem;
}

.why-outsource-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.92) !important;
    line-height: 1.4;
}

.why-outsource-list li i {
    color: #f59e0b;
    font-size: 1.1rem;
    flex-shrink: 0;
}


/* ==========================================================================
   ADVISOR SPOTLIGHT (LEADERSHIP PROFILE)
   ========================================================================== */
.advisor-spotlight-section {
    padding: 85px 0;
    background: #f8fafc;
}

.advisor-grid {
    display: grid;
    grid-template-columns: 460px 1fr;
    gap: 55px;
    align-items: center;
}

.advisor-image-card {
    position: relative;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 45px rgba(7, 21, 38, 0.14);
    border: 4px solid #ffffff;
    background: #ffffff;
}

.advisor-image-card img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: cover;
    border-radius: 16px;
    transition: transform 0.4s ease;
}

.advisor-image-card:hover img {
    transform: scale(1.02);
}

.advisor-img-badge {
    position: absolute;
    bottom: 16px;
    right: 16px;
    background: rgba(7, 21, 38, 0.88);
    backdrop-filter: blur(8px);
    color: #ffffff;
    padding: 8px 18px;
    border-radius: 30px;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    border: 1px solid rgba(245, 158, 11, 0.4);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.advisor-img-badge span {
    color: var(--gold-primary);
    font-weight: 700;
}

.advisor-content {
    display: flex;
    flex-direction: column;
}

.advisor-content h2 {
    font-family: var(--font-heading);
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--navy-primary);
    margin-bottom: 6px;
    line-height: 1.15;
}

.advisor-designation {
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 700;
    color: var(--gold-dark);
    margin-bottom: 20px;
}

.advisor-quote-box {
    background: #ffffff;
    border-left: 4px solid var(--gold-primary);
    padding: 18px 22px;
    border-radius: 0 10px 10px 0;
    font-style: italic;
    color: #1e293b;
    font-weight: 500;
    font-size: 1.05rem;
    box-shadow: 0 4px 16px rgba(11, 34, 64, 0.05);
    margin-bottom: 20px;
    line-height: 1.6;
}

.advisor-bio {
    font-size: 0.96rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 16px;
}

.advisor-credentials-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 20px 0 28px;
}

.cred-box {
    background: #ffffff;
    border: 1.5px solid var(--border-light);
    border-radius: 12px;
    padding: 16px 14px;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.03);
    transition: all 0.25s ease;
}

.cred-box:hover {
    transform: translateY(-4px);
    border-color: var(--gold-primary);
    box-shadow: 0 8px 20px rgba(245, 158, 11, 0.15);
}

.cred-box i {
    color: var(--gold-primary);
    font-size: 1.45rem;
    margin-bottom: 8px;
}

.cred-box strong {
    font-size: 0.92rem;
    color: var(--navy-primary);
    font-weight: 700;
    margin-bottom: 2px;
}

.cred-box span {
    font-size: 0.78rem;
    color: var(--text-muted);
}

.advisor-actions {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
}

/* ==========================================================================
   DETAILED TAX & CORPORATE SERVICE CARDS WITH IMAGES
   ========================================================================== */
.tax-service-card {
    background: #ffffff;
    border-radius: 14px;
    border: 1px solid var(--border-light);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    box-shadow: 0 4px 18px rgba(7, 21, 38, 0.05);
    transition: all 0.3s ease;
}

.tax-service-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 32px rgba(7, 21, 38, 0.1);
    border-color: rgba(245, 158, 11, 0.4);
}

.tax-card-img-wrap {
    width: 100%;
    height: 165px;
    overflow: hidden;
    position: relative;
    background: #f1f5f9;
}

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

.tax-service-card:hover .tax-card-img-wrap img {
    transform: scale(1.06);
}

.tax-card-content {
    padding: 24px 22px;
    display: flex;
    flex-direction: column;
    flex: 1;
}

.tax-card-tag {
    font-size: 0.76rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    color: var(--gold-dark);
    margin-bottom: 6px;
    display: inline-block;
}

.tax-card-content h4 {
    font-family: var(--font-heading);
    font-size: 1.18rem;
    font-weight: 700;
    color: var(--navy-primary);
    margin-bottom: 10px;
    line-height: 1.3;
}

.tax-card-content p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 16px;
    flex: 1;
}

.tax-card-btn {
    font-family: var(--font-heading);
    font-size: 0.84rem;
    font-weight: 700;
    color: var(--navy-primary);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    text-decoration: none;
    transition: all 0.25s ease;
    margin-top: auto;
}

.tax-card-btn:hover {
    color: var(--gold-dark);
    transform: translateX(3px);
}

/* ==========================================================================
   INNER SERVICE PAGES & COMPONENTS
   ========================================================================== */

/* Page Banner */
.page-banner {
    background: linear-gradient(135deg, #051426 0%, #0b2240 60%, #081d39 100%);
    padding: 70px 0 75px;
    color: #ffffff;
    position: relative;
    overflow: hidden;
    border-bottom: 3px solid var(--gold-primary);
}

.page-banner::after {
    content: '';
    position: absolute;
    top: -80px;
    right: -80px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(245, 158, 11, 0.12) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}

.page-banner-content {
    position: relative;
    z-index: 2;
}

.breadcrumb-nav {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.86rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 14px;
}

.breadcrumb-nav a {
    color: var(--gold-light);
    transition: color 0.2s ease;
}

.breadcrumb-nav a:hover {
    color: #ffffff;
}

.breadcrumb-nav span {
    color: rgba(255, 255, 255, 0.4);
}

.page-banner-title {
    font-family: var(--font-heading);
    font-size: 2.75rem;
    font-weight: 800;
    color: #ffffff;
    line-height: 1.15;
    margin-bottom: 14px;
    letter-spacing: -0.5px;
}

.page-banner-desc {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.85);
    max-width: 680px;
    line-height: 1.6;
}

/* Section Headings & Eyebrows */
.section-header {
    text-align: center;
    margin-bottom: 48px;
    max-width: 750px;
    margin-left: auto;
    margin-right: auto;
}

.section-title {
    font-family: var(--font-heading);
    font-size: 2.3rem;
    font-weight: 800;
    color: var(--navy-primary);
    margin-bottom: 12px;
}

.section-subtitle {
    font-size: 1rem;
    color: var(--text-muted);
    line-height: 1.6;
}

.badge-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-heading);
    font-size: 0.82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gold-dark);
    background: rgba(245, 158, 11, 0.12);
    padding: 6px 14px;
    border-radius: var(--radius-full);
    margin-bottom: 14px;
    border: 1px solid rgba(245, 158, 11, 0.25);
}

.badge-gold {
    display: inline-block;
    font-size: 0.76rem;
    font-weight: 700;
    color: var(--gold-dark);
    background: rgba(245, 158, 11, 0.12);
    padding: 4px 10px;
    border-radius: 4px;
    border: 1px solid rgba(245, 158, 11, 0.25);
}

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

/* Standard Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-family: var(--font-heading);
    font-size: 0.94rem;
    font-weight: 600;
    padding: 12px 24px;
    border-radius: 6px;
    cursor: pointer;
    transition: all 0.25s ease;
    border: none;
    text-decoration: none;
}

.btn-primary-gradient {
    background: var(--gradient-gold);
    color: #ffffff;
    box-shadow: 0 4px 14px rgba(234, 88, 12, 0.25);
}

.btn-primary-gradient:hover {
    background: linear-gradient(135deg, #fbbf24 0%, #f97316 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.35);
    color: #ffffff;
}

.btn-outline-navy {
    background: transparent;
    color: var(--navy-primary);
    border: 2px solid var(--navy-primary);
}

.btn-outline-navy:hover {
    background: var(--navy-primary);
    color: #ffffff;
    transform: translateY(-2px);
}

/* Service Category Filter Buttons */
.calc-tab-btn,
.service-filter-btn {
    background: #ffffff;
    border: 1.5px solid var(--border-light);
    padding: 10px 22px;
    border-radius: 9999px;
    font-family: var(--font-heading);
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--navy-primary);
    cursor: pointer;
    transition: all 0.25s ease;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}

.calc-tab-btn:hover,
.service-filter-btn:hover {
    border-color: var(--gold-primary);
    color: var(--gold-dark);
    transform: translateY(-2px);
}

.calc-tab-btn.active,
.service-filter-btn.active {
    background: var(--navy-primary);
    color: #ffffff;
    border-color: var(--navy-primary);
    box-shadow: 0 4px 16px rgba(11, 34, 64, 0.25);
}

/* Services Grid & Full Card */
.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
    gap: 28px;
}

.service-card {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 32px 26px;
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: transparent;
    transition: background 0.3s ease;
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 36px rgba(11, 34, 64, 0.1);
    border-color: rgba(245, 158, 11, 0.4);
}

.service-card:hover::before {
    background: var(--gradient-gold);
}

.service-icon-box {
    width: 58px;
    height: 58px;
    border-radius: 50%;
    background: var(--navy-primary);
    color: var(--gold-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.45rem;
    margin-bottom: 20px;
    transition: all 0.3s ease;
}

.service-card:hover .service-icon-box {
    background: var(--gradient-gold);
    color: #ffffff;
    transform: scale(1.08);
}

.service-card h3 {
    font-size: 1.22rem;
    font-weight: 700;
    color: var(--navy-primary);
    margin-bottom: 12px;
}

.service-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 20px;
    flex: 1;
}

.service-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 20px;
}

.service-tag-pill {
    background: #f1f5f9;
    color: var(--navy-primary);
    font-size: 0.74rem;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 4px;
}

.service-link {
    font-family: var(--font-heading);
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--navy-primary);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: auto;
    transition: all 0.2s ease;
}

.service-link:hover {
    color: var(--gold-dark);
    transform: translateX(3px);
}

/* ==========================================================================
   INTERACTIVE FINANCIAL CALCULATOR STYLING
   ========================================================================== */
.calculator-section {
    padding: 80px 0;
}

.calc-container {
    background: #ffffff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-float);
    border: 1px solid var(--border-light);
    overflow: hidden;
    max-width: 1040px;
    margin: 0 auto;
}

.calc-grid {
    display: grid;
    grid-template-columns: 1.35fr 1fr;
}

.calc-inputs {
    padding: 42px 36px;
}

.calc-input-group {
    margin-bottom: 30px;
}

.calc-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.calc-label {
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--navy-primary);
}

.calc-value-box {
    background: #f8fafc;
    border: 1.5px solid var(--border-light);
    padding: 5px 12px;
    border-radius: 6px;
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--navy-primary);
    font-size: 0.95rem;
    display: inline-flex;
    align-items: center;
    gap: 4px;
    transition: all 0.2s ease;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
}

.calc-value-box:hover {
    border-color: #cbd5e1;
}

.calc-value-box:focus-within {
    background: #ffffff;
    border-color: var(--gold-primary);
    box-shadow: 0 0 0 3px rgba(217, 119, 6, 0.16);
}

.calc-value-box .calc-unit {
    color: var(--text-muted);
    font-size: 0.92rem;
    font-weight: 600;
    user-select: none;
}

.calc-value-input {
    border: none;
    background: transparent;
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--navy-primary);
    font-size: 0.95rem;
    outline: none;
    padding: 0;
    text-align: right;
}

.calc-value-input.input-amount {
    width: 105px;
}

.calc-value-input.input-rate {
    width: 44px;
}

.calc-value-input.input-tenure {
    width: 34px;
}

.calc-slider {
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: #e2e8f0;
    outline: none;
    -webkit-appearance: none;
    accent-color: var(--gold-primary);
    cursor: pointer;
}

.calc-result-card {
    background: linear-gradient(145deg, #07172d 0%, #0b2240 100%);
    color: #ffffff;
    padding: 42px 36px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.calc-result-title {
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.75);
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin-bottom: 8px;
}

.calc-emi-value {
    font-family: var(--font-heading);
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--gold-primary);
    line-height: 1.1;
    margin-bottom: 26px;
}

.calc-breakdown {
    background: rgba(255, 255, 255, 0.06);
    border-radius: var(--radius-sm);
    padding: 16px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    margin-bottom: 26px;
}

.calc-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: 0.88rem;
}

.calc-row:not(:last-child) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.calc-row span {
    color: rgba(255, 255, 255, 0.75);
}

.calc-row strong {
    color: #ffffff;
    font-weight: 700;
}

/* ==========================================================================
   UNIVERSAL RESPONSIVE COMPONENT CLASSES
   ========================================================================== */
.page-intro-grid {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 50px;
    align-items: center;
}

.page-intro-img-card {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 4px solid #ffffff;
    background: #f1f5f9;
}

.page-intro-img-card img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: cover;
}

.mission-vision-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.responsive-grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.responsive-grid-4 {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.contact-page-grid {
    display: grid;
    grid-template-columns: 1fr 1.25fr;
    gap: 45px;
    align-items: flex-start;
}

.table-responsive {
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: var(--radius-md);
    margin-top: 15px;
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES (DESKTOP, TABLET, MOBILE)
   ========================================================================== */
@media (max-width: 1200px) {
    .services-row-4 {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 1024px) {
    .desktop-nav {
        display: none;
    }

    .mobile-toggle-btn {
        display: flex;
    }

    .advisor-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .advisor-image-card {
        max-width: 440px;
        margin: 0 auto;
    }

    .why-choose-3col-grid {
        grid-template-columns: 1fr 1fr;
    }

    .why-right-graphic {
        display: none;
    }

    .trust-strip-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 18px;
    }

    .trust-strip-item::after {
        display: none;
    }

    .footer-4col-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 991px) {
    .page-intro-grid {
        grid-template-columns: 1fr !important;
        gap: 36px;
    }

    .page-intro-img-card {
        max-width: 520px;
        margin: 0 auto;
        width: 100%;
    }

    .responsive-grid-3 {
        grid-template-columns: repeat(2, 1fr);
        gap: 22px;
    }

    .responsive-grid-4 {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .contact-page-grid {
        grid-template-columns: 1fr !important;
        gap: 36px;
    }
}

@media (max-width: 768px) {
    .header-container {
        height: 68px;
    }

    .header-logo-img {
        height: 42px;
    }

    .btn-header-touch {
        padding: 9px 14px;
        font-size: 0.82rem;
        gap: 6px;
    }

    .top-bar-left .d-none-sm,
    .location-item {
        display: none;
    }

    .top-bar-inner {
        justify-content: space-between;
    }

    .hero-headline-exact {
        font-size: 2.1rem;
        line-height: 1.22;
    }

    .hero-slider-exact {
        min-height: 500px;
    }

    .hero-slides-wrapper {
        min-height: 500px;
    }

    .hero-slide-exact {
        padding: 60px 0 85px;
    }

    .services-row-4 {
        grid-template-columns: 1fr;
    }

    .why-choose-3col-grid {
        grid-template-columns: 1fr;
    }

    .why-2x2-row {
        grid-template-columns: 1fr;
    }

    .mission-vision-grid {
        grid-template-columns: 1fr !important;
        gap: 16px;
    }

    .advisor-credentials-row {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .advisor-actions {
        flex-direction: column;
        width: 100%;
        gap: 12px;
    }

    .advisor-actions .btn {
        width: 100%;
        justify-content: center;
        font-size: 0.88rem;
        padding: 12px 14px;
        text-align: center;
    }

    .stats-card-white {
        grid-template-columns: 1fr;
        gap: 18px;
    }

    .stat-single-col {
        border-right: none !important;
        border-bottom: 1px solid #f1f5f9;
        padding-bottom: 14px;
    }

    .stat-single-col:last-child {
        border-bottom: none;
        padding-bottom: 0;
    }

    .stat-single-col::after {
        display: none;
    }

    .advice-gold-strip {
        flex-direction: column;
        text-align: center;
        padding: 28px 20px;
        gap: 20px;
    }

    .advice-strip-left {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .btn-advice-navy {
        width: 100%;
        justify-content: center;
    }

    .footer-4col-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .bottom-bar-inner {
        flex-direction: column;
        text-align: center;
        gap: 10px;
    }

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

    .calc-result-card {
        padding: 30px 22px;
    }

    .calc-emi-value {
        font-size: 2.1rem;
    }

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

    .responsive-grid-3 {
        grid-template-columns: 1fr !important;
        gap: 20px;
    }

    .responsive-grid-4 {
        grid-template-columns: 1fr !important;
        gap: 20px;
    }

    .page-banner-title {
        font-size: 2rem;
    }
}

@media (max-width: 520px) {
    .btn-header-touch span {
        display: none;
    }

    .btn-header-touch {
        padding: 10px 12px;
        border-radius: 8px;
    }

    .hero-cta-group {
        flex-direction: column;
        width: 100%;
    }

    .hero-cta-group .btn {
        width: 100%;
        justify-content: center;
    }

    .trust-strip-grid {
        grid-template-columns: 1fr;
    }

    .calc-tab-btn {
        padding: 8px 16px;
        font-size: 0.82rem;
    }
}

/* ==========================================================================
   LEGAL DOCUMENTATION SERVICE CARDS & INTRO BADGES
   ========================================================================== */
.legal-intro-pills {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
    margin-top: 24px;
}

.legal-intro-badge {
    background: #ffffff;
    border: 1.5px solid #e2e8f0;
    border-radius: 14px;
    padding: 16px 14px;
    text-align: center;
    box-shadow: 0 4px 12px rgba(7, 21, 38, 0.04);
    transition: all 0.28s ease;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
}

.legal-intro-badge:hover {
    transform: translateY(-3px);
    border-color: var(--gold-dark);
    box-shadow: 0 10px 20px rgba(7, 21, 38, 0.08);
}

.legal-intro-badge i {
    font-size: 1.5rem;
    color: var(--gold-dark);
}

.legal-intro-badge strong {
    font-size: 0.85rem;
    color: var(--navy-primary);
    font-weight: 700;
}

/* Legal Service Cards Grid & Items */
.legal-service-card {
    background: #ffffff;
    border-radius: 16px;
    border: 1.5px solid #e2e8f0;
    padding: 26px 24px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    height: 100%;
    box-shadow: 0 4px 16px rgba(7, 21, 38, 0.04);
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    position: relative;
    overflow: hidden;
}

.legal-service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: transparent;
    transition: background 0.3s ease;
}

.legal-service-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 16px 36px -8px rgba(7, 21, 38, 0.12);
}

/* Card Header: Icon + Category Tag */
.legal-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
}

.legal-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    color: #ffffff;
    flex-shrink: 0;
    transition: transform 0.25s ease;
}

.legal-service-card:hover .legal-card-icon {
    transform: scale(1.08);
}

/* Theme Icon Colors */
.theme-dispute .legal-card-icon {
    background: linear-gradient(135deg, #1e3a8a 0%, #0f172a 100%);
}

.theme-dispute:hover {
    border-color: #3b82f6;
}

.theme-dispute:hover::before {
    background: #1e3a8a;
}

.theme-drafting .legal-card-icon {
    background: linear-gradient(135deg, #d97706 0%, #b45309 100%);
}

.theme-drafting:hover {
    border-color: #f59e0b;
}

.theme-drafting:hover::before {
    background: #f59e0b;
}

.theme-registration .legal-card-icon {
    background: linear-gradient(135deg, #059669 0%, #065f46 100%);
}

.theme-registration:hover {
    border-color: #10b981;
}

.theme-registration:hover::before {
    background: #059669;
}

.theme-verification .legal-card-icon {
    background: linear-gradient(135deg, #7c3aed 0%, #5b21b6 100%);
}

.theme-verification:hover {
    border-color: #8b5cf6;
}

.theme-verification:hover::before {
    background: #7c3aed;
}

.legal-card-tag {
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 4px 10px;
    border-radius: 20px;
    background: #f1f5f9;
    color: #475569;
}

.theme-dispute .legal-card-tag {
    background: #eff6ff;
    color: #1e40af;
    border: 1px solid #dbeafe;
}

.theme-drafting .legal-card-tag {
    background: #fffbeb;
    color: #b45309;
    border: 1px solid #fef3c7;
}

.theme-registration .legal-card-tag {
    background: #f0fdf4;
    color: #166534;
    border: 1px solid #dcfce7;
}

.theme-verification .legal-card-tag {
    background: #f5f3ff;
    color: #6d28d9;
    border: 1px solid #ede9fe;
}

/* Card Content */
.legal-card-title {
    color: #071526;
    font-size: 1.15rem;
    font-weight: 700;
    margin: 0 0 10px;
    line-height: 1.35;
}

.legal-card-desc {
    color: #64748b;
    font-size: 0.88rem;
    line-height: 1.6;
    margin: 0 0 16px;
    flex-grow: 1;
}

/* Checklist */
.legal-checklist {
    list-style: none;
    padding: 0;
    margin: 0 0 20px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    border-top: 1px dashed #e2e8f0;
    padding-top: 14px;
}

.legal-checklist li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.84rem;
    color: #334155;
}

.legal-checklist .check-icon {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #dcfce7;
    color: #16a34a;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.65rem;
    flex-shrink: 0;
}

/* Card Button */
.legal-card-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    padding: 10px 16px;
    border-radius: 10px;
    background: #f8fafc;
    border: 1.5px solid #e2e8f0;
    color: #071526;
    font-size: 0.84rem;
    font-weight: 700;
    text-decoration: none;
    transition: all 0.25s ease;
    cursor: pointer;
}

.legal-card-btn i {
    font-size: 0.75rem;
    transition: transform 0.2s ease;
}

.legal-card-btn:hover {
    background: var(--navy-primary);
    color: #ffffff;
    border-color: var(--navy-primary);
}

.legal-card-btn:hover i {
    transform: translateX(4px);
}

/* ==========================================================================
   PARTNER INSTITUTIONAL ALLIANCES SECTION (LOANS & INSURANCE)
   ========================================================================== */
.partner-alliances-section {
    padding: 75px 0 85px;
    background: #f8fafc;
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
    position: relative;
}

.partner-alliances-section.bg-white {
    background: #ffffff;
}

.partner-alliances-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 42px;
}

.partner-alliance-card {
    background: #ffffff;
    border-radius: 18px;
    padding: 32px 26px 28px;
    box-shadow: 0 10px 30px rgba(7, 21, 38, 0.05);
    border: 1.5px solid #e2e8f0;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
}

.partner-alliance-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: #cbd5e1;
    transition: background 0.3s ease;
}

.partner-alliance-card.card-loans::before {
    background: linear-gradient(90deg, #1d4ed8 0%, #3b82f6 100%);
}

.partner-alliance-card.card-lic::before {
    background: linear-gradient(90deg, #b45309 0%, #f59e0b 100%);
}

.partner-alliance-card.card-star::before {
    background: linear-gradient(90deg, #b91c1c 0%, #ef4444 100%);
}

.partner-alliance-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 20px 42px rgba(7, 21, 38, 0.1);
    border-color: rgba(217, 119, 6, 0.35);
}

.partner-card-badge-wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
}

.partner-card-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 13px;
    border-radius: 20px;
    font-size: 0.76rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.6px;
}

.partner-card-badge.tag-loans {
    background: #eff6ff;
    color: #1d4ed8;
    border: 1px solid #bfdbfe;
}

.partner-card-badge.tag-lic {
    background: #fffbeb;
    color: #b45309;
    border: 1px solid #fef3c7;
}

.partner-card-badge.tag-star {
    background: #fef2f2;
    color: #b91c1c;
    border: 1px solid #fecaca;
}

.partner-logo-box {
    height: 94px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 8px 18px;
    background: #ffffff;
    border-radius: 12px;
    border: 1px solid #eef2f6;
    margin-bottom: 20px;
    box-shadow: inset 0 2px 6px rgba(0, 0, 0, 0.02);
}

.partner-logo-img {
    max-height: 72px;
    max-width: 100%;
    object-fit: contain;
    transition: transform 0.3s ease;
}

.card-star .partner-logo-img {
    max-height: 62px;
}

.partner-alliance-card:hover .partner-logo-img {
    transform: scale(1.04);
}

.partner-card-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy-primary);
    margin: 0 0 4px;
    line-height: 1.35;
}

.partner-card-subtitle {
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--gold-dark);
    text-transform: uppercase;
    letter-spacing: 0.7px;
    margin: 0 0 14px;
}

.partner-card-desc {
    font-size: 0.88rem;
    color: #64748b;
    line-height: 1.65;
    margin: 0 0 20px;
    flex-grow: 1;
}

.partner-card-features {
    display: flex;
    flex-direction: column;
    gap: 9px;
    border-top: 1px dashed #e2e8f0;
    padding-top: 16px;
}

.partner-card-features span {
    display: flex;
    align-items: center;
    gap: 9px;
    font-size: 0.84rem;
    font-weight: 600;
    color: #334155;
}

.partner-card-features span i {
    font-size: 0.8rem;
    color: #16a34a;
}

@media (max-width: 991px) {
    .partner-alliances-grid {
        grid-template-columns: 1fr;
        gap: 22px;
    }
}

/* ==========================================================================
   BANK LOGOS INFINITE SCROLLING MARQUEE
   ========================================================================== */
.bank-marquee-container {
    position: relative;
    width: 100%;
    overflow: hidden;
    padding: 14px 0;
    mask-image: linear-gradient(to right, transparent, black 7%, black 93%, transparent);
    -webkit-mask-image: linear-gradient(to right, transparent, black 7%, black 93%, transparent);
}

.bank-marquee-track {
    display: flex;
    width: max-content;
    gap: 24px;
}

.bank-marquee-group {
    display: flex;
    align-items: center;
    gap: 24px;
    flex-shrink: 0;
    animation: bankMarqueeScroll 28s linear infinite;
}

.bank-marquee-track:hover .bank-marquee-group {
    animation-play-state: paused;
}

@keyframes bankMarqueeScroll {
    from {
        transform: translateX(0);
    }
    to {
        transform: translateX(calc(-100% - 24px));
    }
}

.bank-logo-card {
    background: #ffffff;
    height: 74px;
    min-width: 185px;
    padding: 10px 24px;
    border-radius: 14px;
    border: 1.5px solid #e2e8f0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 14px rgba(7, 21, 38, 0.05);
    transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    flex-shrink: 0;
}

.bank-logo-card:hover {
    border-color: #3b82f6;
    box-shadow: 0 8px 24px rgba(59, 130, 246, 0.14);
    transform: translateY(-3px);
}

.bank-logo-card img {
    max-height: 44px;
    max-width: 138px;
    width: auto;
    height: auto;
    object-fit: contain;
    transition: transform 0.25s ease;
}

.bank-logo-card:hover img {
    transform: scale(1.06);
}

@media (max-width: 768px) {
    .bank-logo-card {
        height: 64px;
        min-width: 155px;
        padding: 8px 18px;
        border-radius: 12px;
    }
    .bank-logo-card img {
        max-height: 38px;
        max-width: 115px;
    }
    .bank-marquee-track {
        gap: 16px;
    }
    .bank-marquee-group {
        gap: 16px;
        animation-duration: 22s;
    }
    @keyframes bankMarqueeScroll {
        from {
            transform: translateX(0);
        }
        to {
            transform: translateX(calc(-100% - 16px));
        }
    }
}