:root {
    /* Color Palette - Premium Fintech */
    --primary: #061c3f;
    --primary-light: #163666;
    --primary-dark: #020e24;
    --secondary: #d4af37;
    --accent: #2e7d32;
    --bg-light: #f4f7fa;
    --text-main: #1e293b;
    --text-muted: #64748b;
    --white: #ffffff;
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.1);
    --radius: 16px;
    --radius-sm: 8px;
    --glass: rgba(255, 255, 255, 0.7);
    --glass-border: rgba(255, 255, 255, 0.4);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    background-color: var(--bg-light);
    color: var(--text-main);
    line-height: 1.6;
    overflow-x: hidden;
}

/* Header & Navigation */
header {
    background: var(--glass);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    padding: 0.6rem 4%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    box-shadow: 0 4px 30px rgba(0, 0, 0, 0.03);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid var(--glass-border);
}

.logo {
    display: flex;
    align-items: center;
    text-decoration: none;
    transition: var(--transition);
}

.logo img {
    height: 42px;
    width: auto;
    object-fit: contain;
}

.logo:hover {
    transform: scale(1.02);
}

/* Navigation Menu */
.nav-menu ul {
    display: flex;
    gap: 1.8rem;
    list-style: none;
    margin: 0;
    padding: 0;
}

.nav-menu a {
    text-decoration: none;
    color: var(--text-main);
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
    position: relative;
    white-space: nowrap;
}

.nav-menu a::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary);
    transition: var(--transition);
}

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

.nav-menu a:hover::after {
    width: 100%;
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 1.5rem;
}

.btn-login {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: var(--white);
    padding: 0.7rem 1.8rem;
    border-radius: 50px;
    border: none;
    font-weight: 700;
    font-size: 0.9rem;
    cursor: pointer;
    transition: var(--transition);
    box-shadow: 0 4px 15px rgba(26, 35, 126, 0.2);
    white-space: nowrap;
}

.btn-login:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(26, 35, 126, 0.3);
    filter: brightness(1.1);
}

/* Main Layout */
main {
    max-width: 1200px;
    margin: 3rem auto;
    padding: 0 1.5rem;
}


/* Left Column: Services & Lead Gen */
.services-section h1 {
    font-size: 2.5rem;
    color: var(--primary-dark);
    margin-bottom: 1rem;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.service-card {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--radius);
    text-align: center;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 1px solid rgba(0, 0, 0, 0.05);
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    align-items: center;
    height: 100%;
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}

.service-card i {
    font-size: 2.5rem;
    color: var(--primary);
    margin-bottom: 1.2rem;
    display: block;
}

.service-card h2 {
    font-size: 1.4rem;
    margin-bottom: 0.8rem;
    color: var(--primary-dark);
}

.service-card p {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
    line-height: 1.5;
}

.card-action {
    margin-top: auto;
    color: var(--primary);
    font-weight: 700;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    transition: var(--transition);
}

.service-card:hover .card-action {
    gap: 0.8rem;
}

.contact-box {
    background: var(--primary-dark);
    color: var(--white);
    padding: 2rem;
    border-radius: var(--radius);
    margin-top: 2rem;
}

.contact-box h3 {
    margin-bottom: 1rem;
}

.form-group {
    margin-bottom: 1.2rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-size: 0.9rem;
    opacity: 0.9;
}

input {
    width: 100%;
    padding: 0.8rem 1rem;
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
    transition: var(--transition);
}

input:focus {
    outline: none;
    border-color: var(--secondary);
    background: rgba(255, 255, 255, 0.15);
}

.btn-submit {
    background: var(--secondary);
    color: var(--primary-dark);
    width: 100%;
    padding: 0.8rem;
    border: none;
    border-radius: 8px;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 0.5rem;
}

.btn-submit:hover {
    filter: brightness(1.1);
    transform: scale(1.02);
}

/* Right Column: Calculator Widget */
.calculator-widget {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    position: sticky;
    top: 100px;
}

.calc-tabs {
    display: flex;
    background: #f1f3f5;
    border-bottom: 1px solid #e9ecef;
}

.tab-btn {
    flex: 1;
    padding: 1rem;
    border: none;
    background: none;
    cursor: pointer;
    font-weight: 600;
    color: var(--text-muted);
    transition: var(--transition);
}

.tab-btn.active {
    color: var(--primary);
    background: var(--white);
    border-bottom: 3px solid var(--primary);
}

.calc-content {
    padding: 2rem;
}

.calc-content input {
    color: var(--text-main);
    background: #f8f9fa;
    border: 1px solid #dee2e6;
}

.calc-panel {
    display: none;
}

.calc-panel.active {
    display: block;
    animation: fadeIn 0.4s ease-out;
}

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

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

/* Modal Styling */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(5px);
    z-index: 2000;
    justify-content: center;
    align-items: center;
}

.modal-content {
    background: var(--white);
    padding: 2.5rem;
    border-radius: 16px;
    width: 100%;
    max-width: 400px;
    position: relative;
    box-shadow: var(--shadow-lg);
}

.close-modal {
    position: absolute;
    top: 1rem;
    right: 1.5rem;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--text-muted);
}

.modal-content input {
    color: var(--text-main);
    background: #f8f9fa;
    border: 1px solid #dee2e6;
    margin-bottom: 1rem;
}

.modal-content input:focus {
    border-color: var(--primary);
}

/* Demat Modal Links */
.demat-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1rem;
    border: 1px solid #dee2e6;
    border-radius: 8px;
    text-decoration: none;
    color: var(--text-main);
    transition: var(--transition);
    background: #f8f9fa;
}
.demat-link:hover {
    border-color: var(--primary);
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
    background: var(--white);
}
.demat-brand {
    display: flex;
    align-items: center;
    gap: 12px;
}
.demat-brand img {
    width: 24px;
    height: 24px;
    object-fit: contain;
}
.demat-brand span {
    font-weight: 600;
}



/* Testimonials */
.testimonials-section {
    grid-column: 1 / -1;
    margin-top: 4rem;
    padding-bottom: 4rem;
}

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

.testimonial-card {
    background: var(--white);
    padding: 2.5rem;
    border-radius: var(--radius);
    box-shadow: var(--shadow-md);
    border-top: 4px solid var(--secondary);
    transition: var(--transition);
}

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

.testimonial-card p {
    font-style: italic;
    margin-bottom: 2rem;
    color: var(--text-main);
    line-height: 1.8;
}

.client-info strong {
    display: block;
    color: var(--primary);
    font-size: 1.1rem;
}

.client-info span {
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* WhatsApp Float */
.whatsapp-float {
    position: fixed;
    bottom: 30px;
    right: 30px;
    background-color: #25d366;
    color: #FFF;
    border-radius: 50%;
    width: 65px;
    height: 65px;
    font-size: 35px;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.2);
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    transition: var(--transition);
    animation: pulse 2s infinite;
}

.whatsapp-float:hover {
    transform: scale(1.1);
    background-color: #128c7e;
}

@keyframes pulse {
    0% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7);
    }

    70% {
        box-shadow: 0 0 0 20px rgba(37, 211, 102, 0);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0);
    }
}

/* Footer Styling */
footer {
    background: var(--primary-dark);
    color: var(--white);
    padding: 5rem 8% 2rem;
    margin-top: 4rem;
}

.footer-col .logo {
    background: #ffffff;
    padding: 8px 16px;
    border-radius: 12px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    margin-bottom: 1.5rem;
}

.footer-col .logo img {
    height: 40px !important;
    width: auto;
    object-fit: contain;
    display: block;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1.2fr 1fr;
    gap: 4rem;
    margin-bottom: 4rem;
}

@media (max-width: 968px) {
    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 2rem;
    }
}

@media (max-width: 576px) {
    .footer-grid {
        grid-template-columns: 1fr;
    }
}

.footer-col h4 {
    color: var(--secondary);
    font-size: 1.2rem;
    margin-bottom: 1.5rem;
    position: relative;
}

.footer-col ul {
    list-style: none;
    padding: 0;
}

.footer-col ul li {
    margin-bottom: 0.8rem;
}

.footer-col ul a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: var(--transition);
    font-size: 0.95rem;
}

.footer-col ul a:hover {
    color: var(--white);
    padding-left: 5px;
}

.social-links {
    display: flex;
    gap: 1.2rem;
    margin-top: 1.5rem;
}

.social-links a {
    color: var(--white);
    font-size: 1.2rem;
    background: rgba(255, 255, 255, 0.1);
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--primary);
    transform: translateY(-3px);
}

.footer-bottom {
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    text-align: center;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.5);
}

.footer-bottom p {
    margin-bottom: 0.5rem;
}

.disclaimer {
    font-size: 0.75rem;
    line-height: 1.4;
    max-width: 1000px;
    margin: 1rem auto 0;
}

/* About Page Specific Styles */
.about-hero {
    text-align: center;
    padding: 5rem 8%;
    background: linear-gradient(rgba(26, 35, 126, 0.05), rgba(26, 35, 126, 0));
}

.about-hero h1 {
    font-size: 3.5rem;
    line-height: 1.1;
    margin-bottom: 1.5rem;
    color: var(--primary-dark);
}

.about-hero p {
    max-width: 800px;
    margin: 0 auto;
    font-size: 1.1rem;
    color: var(--text-muted);
}

.about-hero .highlight {
    color: var(--primary);
    position: relative;
    display: inline-block;
}

.about-hero .highlight::after {
    content: '';
    position: absolute;
    bottom: 5px;
    left: 0;
    width: 100%;
    height: 15px;
    background: var(--secondary);
    opacity: 0.2;
    z-index: -1;
}

.about-content {
    padding: 4rem 8%;
}

/* About Page Specific Styles - Premium Redesign */
.about-hero-section {
    padding: 8rem 2rem 6rem;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, #081A36 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
    color: var(--white);
}

.about-hero-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle at 80% 20%, rgba(212, 175, 55, 0.1) 0%, transparent 50%);
    pointer-events: none;
}

.about-hero-content {
    max-width: 850px;
    margin: 0 auto;
    position: relative;
    z-index: 2;
    animation: fadeInUp 0.8s cubic-bezier(0.16, 1, 0.3, 1);
}

.about-hero-tag {
    display: inline-block;
    padding: 6px 16px;
    background: rgba(212, 175, 55, 0.1);
    color: var(--secondary);
    border: 1px solid rgba(212, 175, 55, 0.25);
    border-radius: 30px;
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 1.5rem;
}

.about-hero-section h1 {
    font-size: 3.5rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 1.5rem;
    color: var(--white);
    letter-spacing: -0.5px;
}

.about-hero-section h1 .gold-text {
    color: var(--secondary);
    background: linear-gradient(135deg, #fff2c2, var(--secondary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.about-hero-section p {
    font-size: 1.2rem;
    color: rgba(255, 255, 255, 0.8);
    max-width: 700px;
    margin: 0 auto 2.5rem;
    line-height: 1.6;
}

/* Statistics Section */
.about-stats-container {
    max-width: 1200px;
    margin: -3.5rem auto 4rem;
    padding: 0 1.5rem;
    position: relative;
    z-index: 10;
}

.about-stats-card {
    background: var(--white);
    border-radius: 20px;
    box-shadow: 0 15px 35px rgba(2, 14, 36, 0.08);
    border: 1px solid rgba(212, 175, 55, 0.15);
    padding: 2.5rem;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    animation: fadeInUp 1s cubic-bezier(0.16, 1, 0.3, 1) 0.2s both;
}

.stat-item {
    text-align: center;
    position: relative;
}

.stat-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: -1rem;
    top: 15%;
    height: 70%;
    width: 1px;
    background: linear-gradient(to bottom, transparent, rgba(0, 0, 0, 0.08), transparent);
}

.stat-number {
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 0.25rem;
    display: block;
}

.stat-number .plus {
    color: var(--secondary);
}

.stat-label {
    font-size: 0.9rem;
    color: var(--text-muted);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* Story Section */
.about-section {
    padding: 5rem 0;
}

.container-premium {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 2rem;
}

.story-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 4rem;
    align-items: center;
}

.story-text h2 {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 1.5rem;
    position: relative;
}

.story-text h2::after {
    content: '';
    display: block;
    width: 60px;
    height: 4px;
    background: var(--secondary);
    margin-top: 0.75rem;
    border-radius: 2px;
}

.story-text p {
    font-size: 1.05rem;
    color: var(--text-main);
    margin-bottom: 1.25rem;
    line-height: 1.7;
}

.story-text .quote-highlight {
    border-left: 4px solid var(--secondary);
    padding-left: 1.5rem;
    font-style: italic;
    font-size: 1.15rem;
    color: var(--primary-light);
    margin: 2rem 0;
    font-weight: 500;
}

.story-visual {
    background: linear-gradient(135deg, rgba(6, 28, 63, 0.02) 0%, rgba(212, 175, 55, 0.05) 100%);
    border: 2px dashed rgba(212, 175, 55, 0.2);
    border-radius: 24px;
    padding: 3rem;
    text-align: center;
    position: relative;
}

.visual-badge-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
}

.visual-badge {
    background: var(--white);
    padding: 1.8rem 1.2rem;
    border-radius: 16px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0,0,0,0.02);
    transition: var(--transition);
}

.visual-badge:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(212,175,55,0.2);
}

.visual-badge i {
    font-size: 2.2rem;
    color: var(--primary);
    margin-bottom: 1rem;
}

.visual-badge h4 {
    font-size: 1.1rem;
    color: var(--primary-dark);
    margin-bottom: 0.5rem;
}

.visual-badge p {
    font-size: 0.8rem;
    color: var(--text-muted);
}

/* Mission, Vision, Values */
.bg-gradient-gray {
    background-color: #f8fafc;
    border-top: 1px solid rgba(0, 0, 0, 0.03);
    border-bottom: 1px solid rgba(0, 0, 0, 0.03);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 4rem;
}

.section-header h2 {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 1rem;
}

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

.mv-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
    margin-bottom: 3.5rem;
}

.mv-card {
    background: var(--white);
    padding: 3rem;
    border-radius: 20px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0,0,0,0.03);
    transition: var(--transition);
    display: flex;
    gap: 1.5rem;
}

.mv-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(212,175,55,0.2);
}

.mv-icon {
    font-size: 2.5rem;
    color: var(--secondary);
    background: rgba(212, 175, 55, 0.08);
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 16px;
    flex-shrink: 0;
}

.mv-card-content h3 {
    font-size: 1.4rem;
    color: var(--primary-dark);
    margin-bottom: 0.75rem;
}

.mv-card-content p {
    color: var(--text-main);
    line-height: 1.6;
    font-size: 1rem;
}

.values-title-sub {
    text-align: center;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary-light);
    margin: 4rem 0 2rem;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
}

.value-card {
    background: var(--white);
    padding: 2rem;
    border-radius: 16px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    border: 1px solid rgba(0,0,0,0.02);
    transition: var(--transition);
}

.value-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: rgba(212, 175, 55, 0.25);
}

.value-card i {
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 1.25rem;
    background: rgba(6, 28, 63, 0.03);
    width: 50px;
    height: 50px;
    line-height: 50px;
    border-radius: 50%;
    display: inline-block;
    transition: var(--transition);
}

.value-card:hover i {
    background: var(--secondary);
    color: var(--white);
}

.value-card h4 {
    font-size: 1.15rem;
    color: var(--primary-dark);
    margin-bottom: 0.5rem;
}

.value-card p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.5;
}

/* Why Choose Us Section */
.why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.why-card {
    background: var(--white);
    padding: 2.5rem;
    border-radius: 20px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0, 0, 0, 0.03);
    transition: var(--transition);
    height: 100%;
}

.why-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(6, 28, 63, 0.15);
}

.why-card i {
    font-size: 2.2rem;
    color: var(--secondary);
    margin-bottom: 1.5rem;
    display: block;
}

.why-card h3 {
    font-size: 1.3rem;
    color: var(--primary-dark);
    margin-bottom: 1rem;
    font-weight: 700;
}

.why-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.6;
}

/* Trust Certifications Banner */
.about-certifications-section {
    padding: 4rem 0;
    background: var(--primary-dark);
    color: var(--white);
    position: relative;
}

.cert-grid {
    display: flex;
    justify-content: space-around;
    align-items: center;
    gap: 3rem;
    flex-wrap: wrap;
}

.cert-item {
    text-align: center;
    max-width: 280px;
    display: flex;
    align-items: center;
    gap: 1.25rem;
    background: rgba(255,255,255,0.04);
    padding: 1.5rem 2rem;
    border-radius: 16px;
    border: 1px solid rgba(255,255,255,0.08);
}

.cert-item i {
    font-size: 2.5rem;
    color: var(--secondary);
}

.cert-item-content {
    text-align: left;
}

.cert-item-content h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.25rem;
}

.cert-item-content p {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.6);
}

/* Testimonials Section */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.testimonial-card {
    background: var(--white);
    padding: 2.5rem;
    border-radius: 20px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0,0,0,0.03);
    position: relative;
    transition: var(--transition);
}

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

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: 1rem;
    right: 1.5rem;
    font-size: 5rem;
    color: rgba(214, 175, 55, 0.15);
    font-family: serif;
    line-height: 1;
}

.testimonial-stars {
    color: var(--secondary);
    font-size: 0.85rem;
    margin-bottom: 1rem;
}

.testimonial-text {
    font-style: italic;
    color: var(--text-main);
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.author-avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
}

.author-info h5 {
    font-size: 1rem;
    color: var(--primary-dark);
    font-weight: 700;
    margin: 0;
}

.author-info p {
    font-size: 0.78rem;
    color: var(--text-muted);
    margin: 0;
}

/* Premium Call-to-Action */
.about-cta-section {
    padding: 6rem 0;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    position: relative;
    overflow: hidden;
}

.about-cta-section::after {
    content: '';
    position: absolute;
    bottom: -50px;
    right: -50px;
    width: 250px;
    height: 250px;
    background: rgba(212, 175, 55, 0.05);
    border-radius: 50%;
    pointer-events: none;
}

.cta-box {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
    color: var(--white);
    position: relative;
    z-index: 2;
}

.cta-box h2 {
    font-size: 2.8rem;
    font-weight: 800;
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.cta-box p {
    font-size: 1.15rem;
    color: rgba(255, 255, 255, 0.85);
    max-width: 650px;
    margin: 0 auto 2.5rem;
    line-height: 1.6;
}

.cta-actions {
    display: flex;
    justify-content: center;
    gap: 1.5rem;
    flex-wrap: wrap;
}

.btn-premium-cta {
    padding: 1rem 2.5rem;
    font-size: 1rem;
    font-weight: 700;
    border-radius: 50px;
    text-decoration: none;
    transition: var(--transition);
    cursor: pointer;
}

.btn-premium-cta.primary {
    background: var(--secondary);
    color: var(--primary-dark);
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
}

.btn-premium-cta.primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(212, 175, 55, 0.4);
    filter: brightness(1.1);
}

.btn-premium-cta.secondary {
    background: transparent;
    color: var(--white);
    border: 2px solid rgba(255,255,255,0.4);
}

.btn-premium-cta.secondary:hover {
    background: rgba(255,255,255,0.08);
    border-color: var(--white);
    transform: translateY(-2px);
}

/* Animations */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Responsive Styles */
@media (max-width: 1024px) {
    .about-hero-section h1 {
        font-size: 2.8rem;
    }
    .about-stats-card {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem;
    }
    .stat-item:nth-child(2)::after {
        display: none;
    }
    .story-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    .mv-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    .values-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .why-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
}

@media (max-width: 600px) {
    .about-hero-section {
        padding: 6rem 1.5rem 4rem;
    }
    .about-hero-section h1 {
        font-size: 2.2rem;
    }
    .about-stats-card {
        grid-template-columns: 1fr;
        padding: 2rem 1rem;
    }
    .stat-item::after {
        display: none !important;
    }
    .values-grid {
        grid-template-columns: 1fr;
    }
    .cta-box h2 {
        font-size: 2rem;
    }
    .cta-actions {
        flex-direction: column;
        gap: 1rem;
    }
    .btn-premium-cta {
        width: 100%;
        text-align: center;
    }
}

/* Legal Pages Styling */
.legal-page {
    max-width: 800px;
    margin: 4rem auto;
    padding: 2rem 1.5rem;
}

.legal-page h1 {
    color: var(--primary-dark);
    margin-bottom: 2rem;
    font-size: 2.5rem;
}

.legal-page h3 {
    color: var(--primary);
    margin: 2rem 0 1rem;
    font-size: 1.3rem;
}

.legal-page p {
    margin-bottom: 1.2rem;
    color: var(--text-main);
    line-height: 1.6;
}

/* ===== Hamburger Menu Button ===== */
.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 36px;
    height: 36px;
    cursor: pointer;
    z-index: 1100;
    background: none;
    border: none;
    padding: 4px;
}

.hamburger span {
    display: block;
    width: 100%;
    height: 3px;
    background: var(--primary);
    border-radius: 3px;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    transform-origin: center;
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 6px);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -6px);
}

/* ===== Mobile Menu Overlay ===== */
.menu-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.5);
    backdrop-filter: blur(4px);
    z-index: 999;
    opacity: 0;
    transition: opacity 0.3s ease;
}

.menu-overlay.active {
    display: block;
    opacity: 1;
}

/* ===== Scroll Reveal Animation ===== */
.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ===== Shrink Header on Scroll ===== */
header.scrolled {
    padding-top: 0.3rem;
    padding-bottom: 0.3rem;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

header.scrolled .logo img {
    height: 34px;
    transition: height 0.3s ease;
}

/* ===== Smooth Scroll ===== */
html {
    scroll-behavior: smooth;
}

/* ===== Enhanced Button Hover ===== */
.btn-submit:hover,
.btn-login:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(6, 28, 63, 0.25);
}

.btn-submit:active,
.btn-login:active {
    transform: translateY(0);
}

/* ===== Active Nav Link ===== */
.nav-menu a.active {
    color: var(--primary);
}

.nav-menu a.active::after {
    width: 100%;
}

/* --- Global Responsive Media Queries --- */
@media (min-width: 993px) and (max-width: 1200px) {
    header {
        padding: 0.6rem 3%;
    }
    .nav-menu ul {
        gap: 0.9rem;
    }
    .nav-menu a {
        font-size: 0.82rem;
    }
    .btn-login {
        padding: 0.6rem 1.2rem;
        font-size: 0.85rem;
    }
}

@media (max-width: 992px) {
    .hamburger {
        display: flex;
    }

    header {
        flex-direction: row;
        flex-wrap: nowrap;
        padding: 0.6rem 5%;
    }

    .nav-menu {
        position: fixed;
        top: 0;
        right: -320px;
        width: 300px;
        height: 100vh;
        background: var(--white);
        box-shadow: -8px 0 30px rgba(0, 0, 0, 0.15);
        z-index: 1050;
        padding: 5rem 2rem 2rem;
        transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
        overflow-y: auto;
    }

    .nav-menu.open {
        right: 0;
    }

    .nav-menu ul {
        flex-direction: column;
        gap: 0;
    }

    .nav-menu ul li {
        border-bottom: 1px solid rgba(0, 0, 0, 0.06);
    }

    .nav-menu a {
        display: block;
        padding: 1rem 0.5rem;
        font-size: 1.05rem;
    }

    .nav-menu a::after {
        display: none;
    }

    .header-actions {
        display: none !important;
    }

    .hero-section {
        padding: 3rem 1.5rem !important;
    }

    .hero-content h1 {
        font-size: 2.5rem !important;
    }

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

    .lead-form-section .contact-box {
        grid-template-columns: 1fr !important;
        padding: 2rem !important;
        gap: 2rem !important;
    }

    .featured-products > div, .home-calculators > div > div {
        grid-template-columns: 1fr !important;
    }
}

@media (max-width: 576px) {
    header {
        padding: 0.5rem 4%;
    }

    .logo img {
        height: 36px;
    }

    .hero-content h1 {
        font-size: 2rem !important;
    }

    .hero-subtext {
        font-size: 1rem !important;
    }

    .contact-box {
        padding: 1.5rem 1rem !important;
    }


}

/* ===== Sticky Apply Bar ===== */
.sticky-apply-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background: var(--glass);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-top: 1px solid var(--glass-border);
    padding: 0.8rem 1.5rem;
    display: none;
    justify-content: space-between;
    align-items: center;
    z-index: 1500;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.1);
}

.sticky-apply-bar p {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--text-main);
    margin: 0;
}

.sticky-apply-bar .btn-sticky-apply {
    background: linear-gradient(135deg, var(--secondary), #b89528);
    color: var(--primary-dark);
    padding: 0.6rem 1.5rem;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 800;
    font-size: 0.85rem;
    box-shadow: 0 4px 10px rgba(212, 175, 55, 0.3);
    transition: var(--transition);
}

.sticky-apply-bar .btn-sticky-apply:hover {
    transform: translateY(-1px);
    filter: brightness(1.1);
}

@media (max-width: 768px) {
    .sticky-apply-bar {
        display: flex;
    }
    body {
        padding-bottom: 75px;
    }
}

/* ===== FAQ Accordion Styles ===== */
.faq-question i {
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-item.active {
    border-color: var(--primary) !important;
}

/* ===== Comparison Table Styles ===== */
.compare-table th, .compare-table td {
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

/* ===== Global Blog Card & Related Guides Styles ===== */
.blog-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid rgba(0, 0, 0, 0.05);
    display: flex;
    flex-direction: column;
    height: 100%;
}

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

.blog-image {
    width: 100%;
    height: 200px;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 3rem;
    background-size: cover;
    background-position: center;
}

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

.blog-date {
    font-size: 0.85rem;
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 0.8rem;
}

.blog-title {
    font-size: 1.3rem;
    color: var(--primary-dark);
    margin-bottom: 1rem;
    line-height: 1.4;
}

.blog-excerpt {
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.blog-read-more {
    color: var(--secondary);
    font-weight: 700;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition);
    margin-top: auto;
}

.blog-read-more:hover {
    color: var(--primary);
    gap: 12px;
}

/* ===== Site-Wide Premium Upgrades ===== */

/* Shared Services & Home Hero Banner Styles */
.premium-page-hero {
    padding: 7rem 2rem 5rem;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, #081A36 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
    color: var(--white);
    border-radius: 24px;
    margin-bottom: 3.5rem;
    box-shadow: var(--shadow-lg);
}

.premium-page-hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle at 80% 20%, rgba(212, 175, 55, 0.08) 0%, transparent 40%);
    pointer-events: none;
}

.premium-page-hero h1 {
    font-size: 3.2rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 1rem;
    letter-spacing: -0.5px;
    line-height: 1.2;
}

.premium-page-hero h1 span.highlight-gold {
    color: var(--secondary);
    background: linear-gradient(135deg, #fff2c2, var(--secondary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.premium-page-hero p.hero-subtitle {
    font-size: 1.15rem;
    color: rgba(255, 255, 255, 0.8);
    max-width: 650px;
    margin: 0 auto 2rem;
    line-height: 1.6;
}

/* Home Quick Services Grid */
.home-services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 1.5rem;
    margin-bottom: 4rem;
}

.home-service-card {
    background: var(--white);
    padding: 2.2rem 1.5rem;
    border-radius: 20px;
    text-align: center;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0, 0, 0, 0.03);
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    min-height: 170px;
    transition: var(--transition);
}

.home-service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(6, 28, 63, 0.1);
}

.home-service-card.special-demat {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: var(--white);
    border: none;
}

.home-service-card.special-demat:hover {
    box-shadow: 0 12px 25px rgba(6, 28, 63, 0.35);
}

.home-service-card i.card-icon {
    font-size: 2.6rem;
    color: var(--primary);
    margin-bottom: 1.2rem;
}

.home-service-card.special-demat i.card-icon {
    color: var(--secondary);
}

.home-service-card h3 {
    font-size: 1.1rem;
    color: var(--primary-dark);
    font-weight: 700;
}

.home-service-card.special-demat h3 {
    color: var(--white);
}

/* Partners Flex styling */
.premium-partners-section {
    margin-bottom: 4rem;
}

.premium-partners-title {
    text-align: center;
    font-size: 1.8rem;
    color: var(--primary-dark);
    margin-bottom: 2rem;
    font-weight: 800;
}

.premium-partners-flex {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1.2rem;
}

.premium-partner-badge {
    background: var(--white);
    padding: 0.9rem 2.2rem;
    border-radius: 50px;
    box-shadow: var(--shadow-sm);
    font-weight: 700;
    color: var(--primary);
    font-size: 1.05rem;
    border: 1px solid rgba(0, 0, 0, 0.04);
    transition: var(--transition);
}

.premium-partner-badge:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

/* Premium Lead Form Box */
.premium-lead-container {
    background: var(--primary-dark);
    color: var(--white);
    border-radius: 24px;
    padding: 3.5rem;
    margin-bottom: 4rem;
    box-shadow: var(--shadow-lg);
}

.premium-lead-grid {
    display: grid;
    grid-template-columns: 1.12fr 1fr;
    gap: 4rem;
    align-items: center;
}

.premium-lead-text h2 {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--secondary);
    margin-bottom: 1rem;
}

.premium-lead-text p {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 2rem;
    line-height: 1.6;
}

.premium-lead-features {
    list-style: none;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.premium-lead-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.05rem;
    font-weight: 600;
}

.premium-lead-features li i {
    color: var(--secondary);
    font-size: 1.2rem;
}

.premium-lead-form {
    background: rgba(255, 255, 255, 0.04);
    padding: 2.5rem;
    border-radius: 20px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(8px);
}

.premium-lead-form select {
    width: 100%;
    padding: 0.85rem 1rem;
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.08);
    color: var(--white);
    outline: none;
    font-size: 0.95rem;
    margin-bottom: 1.2rem;
    transition: var(--transition);
}

.premium-lead-form select:focus {
    border-color: var(--secondary);
    background: rgba(255, 255, 255, 0.12);
}

.premium-lead-form select option {
    color: var(--primary-dark);
}

/* Premium Credit Score Promo banner */
.premium-credit-banner {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    border-radius: 24px;
    padding: 3.5rem;
    color: var(--white);
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.credit-banner-decor-1 {
    position: absolute;
    top: -60px;
    right: -60px;
    width: 250px;
    height: 250px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.035);
    pointer-events: none;
}

.credit-banner-decor-2 {
    position: absolute;
    bottom: -80px;
    left: -40px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.025);
    pointer-events: none;
}

.credit-banner-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 3rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

/* Shared Premium Services Layout Styles */
.services-products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2.5rem;
    padding: 2rem 0 4rem;
}

.premium-product-card {
    background: var(--white);
    border-radius: 24px;
    box-shadow: var(--shadow-md);
    padding: 3rem 2.5rem;
    text-align: center;
    transition: var(--transition);
    border: 1px solid rgba(0, 0, 0, 0.03);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.premium-product-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(6, 28, 63, 0.12);
}

.premium-product-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 6px;
    background: linear-gradient(to right, var(--primary), var(--primary-light));
}

.premium-product-card i.product-icon {
    font-size: 3.2rem;
    color: var(--primary);
    margin-bottom: 1.8rem;
    display: block;
}

.premium-product-card h3 {
    font-size: 1.6rem;
    color: var(--primary-dark);
    margin-bottom: 1rem;
    font-weight: 800;
}

.premium-product-card p.product-desc {
    color: var(--text-muted);
    margin-bottom: 2rem;
    line-height: 1.6;
    font-size: 0.98rem;
}

.premium-product-features {
    list-style: none;
    padding: 0;
    text-align: left;
    margin-bottom: 2.5rem;
    flex-grow: 1;
}

.premium-product-features li {
    margin-bottom: 0.9rem;
    color: var(--text-main);
    font-size: 0.95rem;
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 500;
}

.premium-product-features li i {
    font-size: 1.05rem;
    color: var(--secondary);
}

.premium-apply-btn {
    display: block;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: var(--white);
    padding: 1rem 2rem;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 700;
    text-align: center;
    box-shadow: 0 4px 15px rgba(6, 28, 63, 0.15);
    transition: var(--transition);
}

.premium-apply-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(6, 28, 63, 0.25);
    filter: brightness(1.1);
}

/* Home / Services Lead Form CTA Section */
.premium-form-cta-section {
    background: #f8fafc;
    border-top: 1px solid rgba(0,0,0,0.02);
    border-bottom: 1px solid rgba(0,0,0,0.02);
    padding: 5rem 0;
}

/* Premium Contact Layout */
.contact-layout-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 4rem;
    align-items: start;
    margin-bottom: 4rem;
}

.contact-info-cards {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.contact-detail-card {
    background: var(--white);
    padding: 2.2rem;
    border-radius: 20px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0, 0, 0, 0.03);
    display: flex;
    gap: 1.5rem;
    align-items: flex-start;
    transition: var(--transition);
}

.contact-detail-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(212, 175, 55, 0.2);
}

.contact-detail-card i {
    font-size: 2.2rem;
    color: var(--secondary);
    background: rgba(212, 175, 55, 0.08);
    width: 54px;
    height: 54px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    flex-shrink: 0;
}

.contact-detail-card-content h3 {
    font-size: 1.25rem;
    color: var(--primary-dark);
    margin-bottom: 0.5rem;
    font-weight: 700;
}

.contact-detail-card-content p, 
.contact-detail-card-content a {
    color: var(--text-main);
    font-size: 0.95rem;
    text-decoration: none;
    line-height: 1.6;
}

.contact-detail-card-content a:hover {
    color: var(--secondary);
}

.contact-premium-form {
    background: var(--white);
    padding: 3rem;
    border-radius: 24px;
    box-shadow: var(--shadow-lg);
    border: 1px solid rgba(0, 0, 0, 0.03);
}

.contact-premium-form h2 {
    font-size: 1.8rem;
    color: var(--primary-dark);
    margin-bottom: 1rem;
    font-weight: 800;
}

.contact-premium-form p {
    color: var(--text-muted);
    margin-bottom: 2rem;
    font-size: 0.98rem;
}

.contact-premium-form input,
.contact-premium-form textarea {
    color: var(--text-main);
    background: #f8f9fa;
    border: 1px solid #dee2e6;
    margin-bottom: 1.2rem;
}

.contact-premium-form input:focus,
.contact-premium-form textarea:focus {
    border-color: var(--primary);
    background: var(--white);
}

.contact-map-card {
    border-radius: 24px;
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0, 0, 0, 0.03);
    margin-bottom: 4rem;
}

/* responsive details for upgrades */
@media (max-width: 1024px) {
    .premium-page-hero h1 {
        font-size: 2.6rem;
    }
    .premium-lead-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    .credit-banner-grid {
        grid-template-columns: 1fr;
        gap: 2.5rem;
        text-align: center;
    }
    .contact-layout-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
}

@media (max-width: 600px) {
    .premium-page-hero h1 {
        font-size: 2rem;
    }
    .premium-lead-container {
        padding: 2rem 1.5rem;
    }
    .premium-lead-form {
        padding: 1.5rem;
    }
    .contact-premium-form {
        padding: 2rem 1.5rem;
    }
    .premium-product-card {
        padding: 2rem 1.5rem;
    }
}

/* ==========================================
   === Financial Hub & Calculator Styles ===
   ========================================== */

.hub-header {
    text-align: center;
    padding: 3rem 1rem 2rem;
    max-width: 800px;
    margin: 0 auto;
}

.hub-header h1 {
    font-size: 3.2rem;
    font-weight: 800;
    color: var(--primary-dark);
    letter-spacing: -1px;
    margin-bottom: 1rem;
    line-height: 1.2;
}

.accent-text {
    background: linear-gradient(135deg, var(--primary), var(--accent));
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hub-layout {
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 2.5rem;
    max-width: 1200px;
    margin: 0 auto 4rem;
    padding: 0 1.5rem;
    align-items: start;
}

.category-tabs {
    display: flex;
    flex-direction: column;
    gap: 0.9rem;
    margin-bottom: 1.5rem;
}

.cat-btn {
    background: var(--white);
    border: 1px solid rgba(0, 0, 0, 0.04);
    padding: 0.85rem 1.25rem;
    border-radius: 14px;
    font-weight: 700;
    color: var(--text-main);
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.95rem;
    box-shadow: var(--shadow-sm);
    width: 100%;
    justify-content: flex-start;
}

.cat-btn i {
    font-size: 1.15rem;
    color: var(--primary);
    transition: var(--transition);
}

.cat-btn:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    border-color: rgba(6, 28, 63, 0.1);
}

.cat-btn.active {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
    box-shadow: 0 10px 22px rgba(6, 28, 63, 0.2);
}

.cat-btn.active i {
    color: var(--secondary);
}

.category-section {
    display: none;
    width: 100%;
    margin: 0 0 2rem;
}

.category-section.active {
    display: block;
    animation: fadeInUp 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.glass-widget {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.6);
    border-radius: 24px;
    box-shadow: 0 20px 45px rgba(0, 0, 50, 0.06), 0 6px 18px rgba(0, 0, 0, 0.02);
    overflow: hidden;
    transition: var(--transition);
}

.glass-widget:hover {
    box-shadow: 0 25px 50px rgba(0, 0, 50, 0.09), 0 8px 24px rgba(0, 0, 0, 0.03);
}

.calc-tabs {
    display: flex;
    background: rgba(6, 28, 63, 0.02);
    border-bottom: 1px solid rgba(6, 28, 63, 0.05);
    overflow-x: auto;
    scrollbar-width: none;
}

.calc-tabs::-webkit-scrollbar {
    display: none;
}

.tab-btn {
    padding: 1rem 1.6rem;
    font-size: 0.95rem;
    border: none;
    background: none;
    font-weight: 700;
    color: var(--text-muted);
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
    position: relative;
}

.tab-btn:hover {
    color: var(--primary);
}

.tab-btn.active {
    color: var(--primary);
    background: var(--white);
}

.tab-btn.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--primary);
    border-radius: 4px 4px 0 0;
}

.calc-grid-layout {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 2.2rem;
    padding: 2.5rem;
}

.panel-header {
    padding: 2.5rem 2.5rem 0;
}

.panel-header h3 {
    font-size: 1.65rem;
    color: var(--primary-dark);
    margin-bottom: 0.4rem;
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
}

.panel-header p {
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.5;
}

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

.form-group label {
    display: block;
    font-weight: 700;
    margin-bottom: 0.5rem;
    color: var(--primary-dark);
    font-size: 0.88rem;
    letter-spacing: 0.2px;
}

.form-group input {
    width: 100%;
    padding: 0.8rem 1rem;
    border-radius: 12px;
    border: 1px solid rgba(6, 28, 63, 0.1);
    background: #f8fafc;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--primary-dark);
    transition: var(--transition);
    outline: none;
}

.form-group input:focus {
    border-color: var(--secondary);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.18);
}

/* Results Display */
.dashboard-result {
    background: linear-gradient(135deg, #f8fafc, #ffffff);
    padding: 1.8rem;
    border-radius: 20px;
    height: 100%;
    display: flex;
    flex-direction: column;
    gap: 1rem;
    border: 1px solid rgba(6, 28, 63, 0.05);
    box-shadow: inset 0 2px 10px rgba(0, 0, 0, 0.01);
}

.res-card {
    background: var(--white);
    padding: 1rem 1.25rem;
    border-radius: 14px;
    box-shadow: 0 4px 15px rgba(6, 28, 63, 0.02);
    display: flex;
    flex-direction: column;
    gap: 4px;
    border: 1px solid rgba(6, 28, 63, 0.03);
    transition: transform 0.2s ease, border-color 0.2s ease;
}

.res-card:hover {
    transform: translateY(-2px);
    border-color: rgba(6, 28, 63, 0.08);
}

.res-card.main {
    background: linear-gradient(135deg, var(--white), #f1f5f9);
    border-left: 5px solid var(--primary);
}

.res-card.highlight {
    border-left: 5px solid var(--secondary);
}

.res-card.highlight .res-value {
    color: #a18118;
}

.res-label {
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.res-value {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--primary-dark);
    letter-spacing: -0.5px;
}

.res-value.small {
    font-size: 1.2rem;
}

.res-sub-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.8rem;
}

/* Wealth Bar */
.wealth-bar-container {
    margin-top: auto;
    padding-top: 1rem;
}

.wealth-bar {
    height: 14px;
    background: #e2e8f0;
    border-radius: 20px;
    overflow: hidden;
    display: flex;
    margin-bottom: 1.2rem;
    border: 1px solid rgba(0,0,0,0.02);
}

.bar-portion {
    transition: width 0.6s ease;
}

.bar-portion.principal {
    background: var(--primary);
}

.bar-portion.interest,
.bar-portion.returns {
    background: var(--accent);
}

.bar-legend {
    display: flex;
    justify-content: center;
    gap: 25px;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--text-muted);
}

.bar-legend i {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    display: inline-block;
    margin-right: 6px;
}

.bar-legend i.principal {
    background: var(--primary);
}

.bar-legend i.interest,
.bar-legend i.returns {
    background: var(--accent);
}

.calc-panel {
    display: none;
}

.calc-panel.active {
    display: block;
    animation: fadeIn 0.4s ease;
}

/* SWP Frequency Selector */
.swp-freq-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.6rem;
    margin-top: 0.4rem;
}

.freq-btn {
    padding: 0.7rem 0.6rem;
    border: 2px solid #e2e8f0;
    border-radius: 10px;
    background: #f8fafc;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--text-muted);
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
}

.freq-btn:hover {
    border-color: var(--primary);
    color: var(--primary);
    background: rgba(6, 28, 63, 0.04);
}

.freq-btn.active {
    background: var(--primary);
    border-color: var(--primary);
    color: #fff;
    box-shadow: 0 4px 12px rgba(6, 28, 63, 0.2);
}

/* Range Slider Styling */
.form-group input[type="range"] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 5px;
    background: #e2e8f0;
    outline: none;
    margin-top: 0.8rem;
    border: none;
    padding: 0;
}

.form-group input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--secondary);
    border: 2px solid var(--primary);
    cursor: pointer;
    transition: transform 0.1s ease;
}

.form-group input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.form-group input[type="range"]::-moz-range-thumb {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--secondary);
    border: 2px solid var(--primary);
    cursor: pointer;
    transition: transform 0.1s ease;
}

.form-group input[type="range"]::-moz-range-thumb:hover {
    transform: scale(1.2);
}

/* Insurance styles */
.ins-section-label {
    font-size: 0.75rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    color: var(--primary);
    margin: 1.5rem 0 0.6rem;
    padding-bottom: 0.4rem;
    border-bottom: 2px solid rgba(6, 28, 63, 0.08);
}

.ins-info-box {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    background: rgba(6, 28, 63, 0.03);
    border: 1px solid rgba(6, 28, 63, 0.07);
    border-radius: 12px;
    padding: 0.9rem 1.1rem;
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-top: 0.8rem;
}

.ins-info-box > i {
    color: var(--primary);
    margin-top: 3px;
    flex-shrink: 0;
    font-size: 1rem;
}

.ins-info-box .fa-exclamation-triangle {
    color: #f59e0b;
}

/* Responsive Styles for Hub */
@media (max-width: 992px) {
    .hub-layout {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .category-tabs {
        flex-direction: row;
        overflow-x: auto;
        padding: 0.5rem 0.2rem;
        gap: 0.6rem;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
    }
    
    .category-tabs::-webkit-scrollbar {
        display: none;
    }

    .cat-btn {
        width: auto;
        white-space: nowrap;
        flex-shrink: 0;
        padding: 0.7rem 1.2rem;
    }

    .calc-grid-layout {
        grid-template-columns: 1fr;
        gap: 2rem;
        padding: 2rem;
    }

    .hub-header h1 {
        font-size: 2.5rem;
    }
}

@media (max-width: 600px) {
    .panel-header {
        padding: 1.5rem 1.5rem 0;
    }
    
    .calc-grid-layout {
        padding: 1.5rem;
    }

    .tab-btn {
        padding: 0.8rem 1.1rem;
        font-size: 0.88rem;
    }

    .res-value {
        font-size: 1.5rem;
    }
}

/* ==========================================
   === Blog Article Detail Prose Styles ===
   ========================================== */

.prose h2 {
    font-size: 1.85rem;
    color: var(--primary-dark);
    margin-top: 2.5rem;
    margin-bottom: 1.25rem;
    border-bottom: 2px solid rgba(6, 28, 63, 0.05);
    padding-bottom: 0.5rem;
    font-weight: 800;
}

.prose p {
    margin-bottom: 1.5rem;
    font-size: 1.05rem;
    line-height: 1.8;
    color: var(--text-main);
}

.prose strong {
    color: var(--primary-dark);
    font-weight: 700;
}

.prose table.comparison-table {
    width: 100%;
    border-collapse: collapse;
    margin: 2rem 0;
    box-shadow: 0 4px 15px rgba(0,0,0,0.03);
    border-radius: 12px;
    overflow: hidden;
}

.prose table.comparison-table th {
    background-color: var(--primary-dark);
    color: white;
    padding: 14px 18px;
    font-weight: 700;
    text-align: left;
    border: 1px solid rgba(0, 0, 0, 0.05);
}

.prose table.comparison-table td {
    padding: 14px 18px;
    border: 1px solid rgba(0, 0, 0, 0.05);
    background: white;
    font-size: 0.95rem;
}

.prose table.comparison-table tr:nth-child(even) td {
    background-color: rgba(6, 28, 63, 0.02);
}

.prose ol, .prose ul {
    margin-bottom: 2rem;
    padding-left: 1.8rem;
}

.prose li {
    margin-bottom: 0.8rem;
    line-height: 1.7;
    font-size: 1.05rem;
}

.prose dl {
    background: rgba(6, 28, 63, 0.02);
    border-left: 4px solid var(--secondary);
    padding: 1.8rem;
    border-radius: 0 16px 16px 0;
    margin: 2.2rem 0;
}

.prose dt {
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 0.5rem;
    font-size: 1.2rem;
}

.prose dd {
    margin-left: 0;
    margin-bottom: 1.5rem;
    color: var(--text-main);
    line-height: 1.6;
}

.prose dd:last-child {
    margin-bottom: 0;
}