:root {
    --navy: #0a1628;
    --brand-blue: #1b438b;
    --navy-mid: #112240;
    --gold: #c9a84c;
    --gold-light: #e8c97a;
    --gold-pale: #f5e6b8;
    --cream: #faf7f0;
    --white: #ffffff;
    --gray-100: #f4f4f6;
    --gray-300: #c5c7d0;
    --gray-500: #737585;
    --gray-700: #3d3f50;
    --green: #1a7a4a;
    --royal-blue:rgba(201,168,76,1);
    --red: #c0392
    --shadow-sm: 0 2px 12px rgba(10,22,40,0.07);
    --shadow-md: 0 8px 32px rgba(10,22,40,0.13);
    --shadow-lg: 0 20px 60px rgba(10,22,40,0.18);
    --radius: 14px;
    --radius-lg: 22px;
    --transition: all 0.32s cubic-bezier(0.4,0,0.2,1);
    --navy: #0d1b2a;
    --navy2: #112240;
    --gold: #c9a84c;
    --gold2: #e8c96d;
    --white: #f0ede6;
    --muted: #8a9bb0;
    --card-bg: rgba(255,255,255,0.04);
    --card-border: rgba(201,168,76,0.2);
  }

  *, *::before, *::after {   /*Selects every elements,psuedo elements before the content,pseudo element after content*/
    box-sizing: border-box;
     margin: 0;              /*Removes default outer space*/
     padding: 0;             /*Removes default inner space*/
     }

  html { 
    scroll-behavior: smooth; 
  }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--cream);
    color: var(--navy);
    overflow-x: hidden;         /*It prevents horizontal scrolling*/
  }

  /* ── SCROLLBAR ── */
  ::-webkit-scrollbar { width: 6px; }     /*makes scrollbar thin*/
  ::-webkit-scrollbar-track { background: var(--navy); }  /*Scrollbar bg line*/
  ::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }  /*movable scrolling handles*/

  /* ── NAVBAR ── */
  nav {
    position: fixed;
     top: 0;        /*places nav bar at top*/
      left: 0;       /*Starts from left edge*/
      right: 0;     /*extends to right edge*/
      z-index: 1000;  /*controls layer order,higher value=stays above other section*/
    background: rgb(24, 52, 118);
    backdrop-filter: blur(20px); /*for glass morphism effect*/
    border-bottom: 1px solid rgba(201,168,76,0.18); /*adds a thin bottom line*/
    transition: var(--transition);/*for smooth shadow*/
  }
  nav.scrolled { box-shadow: 0 4px 30px rgba(10,22,40,0.4); }

  .nav-inner {
    max-width: 1280px; 
    margin: 0 auto;  /*centers nav bar content horizontally*/
    display: flex;  /*makes allign in a row*/
    align-items: center; 
    justify-content: space-between;
    padding: 0 24px; /*left & right spacing*/
    height: 70px;
  }
  .logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-badge img {
  width: 100px;
  height: 60px;
  object-fit: contain;
  border-radius: 10px; /*rounds corner slightly*/
}

.logo-name {
  color: white;
  font-size: 30px;
  font-weight: bold;
}

  .logo {
    display: flex;
     align-items: center; 
     gap: 12px; 
     text-decoration: none;
  }
  .logo-badge {
    width: 50px;
     height: 60px;
      border-radius: 10px; /*corner rounded*/
    background: linear-gradient(135deg, var(--gold), var(--gold-light));/*135 means diagonal direction*/
    display: flex; 
    align-items: center;
     justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 20px; 
    font-weight: 900; 
    color: var(--navy);
    
  }
  .logo-text { 
    display: flex; 
    flex-direction: column;/*makes text appear vertically*/
     line-height: 1.1; /*controlls vertical spacing*/
     }
  .logo-name {
     font-family: 'Playfair Display', serif; 
     font-size: 15px;
      font-weight: 700;
       color:var(--gold); 
       letter-spacing: 0.5px; 
      }
  .logo-tag { font-size: 10px; color: var(--gold); letter-spacing: 2px; text-transform: uppercase; font-weight: 500; }

  .nav-links {
    display: flex;
     gap: 36px; 
     list-style: none;
  }
  .nav-links a {
    color: rgba(255,255,255,0.75); 
    text-decoration: none;
    font-size: 14px; 
    font-weight: 500; 
    letter-spacing: 0.3px;
    transition: var(--transition);
     position: relative;
  }
  .nav-links a::after {
    content: ''; 
    position: absolute; 
    bottom: -4px; 
    left: 0; 
    right: 0;
    height: 2px;
     background: var(--gold);
      transform: scaleX(0);  /*underline starts invisible*/
    transition: transform 0.3s ease;
     border-radius: 2px;
  }
  .nav-links a:hover { color: var(--gold); }
  .nav-links a:hover::after { transform: scaleX(1); }/*underline expands when hover*/
  .hide-link{display: none;}

  .nav-cta {
    display: flex;
     gap: 12px; 
     align-items: center;
  }
  .btn-outline-gold {
    padding: 9px 22px;
     border: 1.5px solid var(--gold);
    color: var(--gold);
     border-radius: 8px;
      font-size: 14px;
    font-weight: 600;
     cursor: pointer;
      background: transparent;
    transition: var(--transition); 
    font-family: 'DM Sans', sans-serif;
    text-decoration: none;
  }
  .btn-outline-gold:hover { background: rgba(201,168,76,0.12); }
  .btn-gold {
    padding: 9px 22px; 
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
     border-radius: 8px; 
     font-size: 14px;
    font-weight: 700;
     cursor: pointer;
      border: none;
    transition: var(--transition); 
    font-family: 'DM Sans', sans-serif;
    text-decoration: none;
  }
  .btn-gold:hover { 
    transform: translateY(-2px); /*this moves the button 2px upward when hover*/
     box-shadow: 0 8px 24px rgba(201,168,76,0.4); }

  .hamburger {
    display: none;  /*hidden on desktop view*/
     flex-direction: column; /*places menu bar vertically*/
     gap: 5px;
    cursor: pointer; 
    padding: 4px; 
    background: none; 
    border: none;
  }
  .hamburger span {
    width: 24px; 
    height: 2px; 
    background: var(--white);
    border-radius: 2px;
     transition: var(--transition); /*used for open close animation*/
  }
  .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); } /*1st line rotates diagonally*/
  .hamburger.open span:nth-child(2) { opacity: 0; } /*middle line disaapears*/
  .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); } /*3rd line rotates oposite side*/

  .mobile-menu {
    display: none;
     flex-direction: column;
    background: rgba(10,22,40,0.99);
     padding: 20px 24px 30px;
    border-top: 1px solid rgba(201,168,76,0.15);
  }
  .mobile-menu.open { display: flex; }
  .mobile-menu a {
    color: rgba(255,255,255,0.8);
     text-decoration: none;
    font-size: 16px; 
    font-weight: 500; 
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    transition: color 0.2s;
  }
  .mobile-menu a:hover { color: var(--gold); }
  .mobile-menu-cta {
     display: flex;
     gap: 12px; 
     margin-top: 20px;
     }

  /* ── HERO ── */
  .hero {
    min-height: 100vh;
    background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 60%, #0f2a4a 100%);
    position: relative;
     overflow: hidden;
    display: flex; 
    align-items: center;
  }

  .hero-pattern {
    position: absolute; inset: 0; opacity: 0.04;
    background-image: repeating-linear-gradient(0deg, transparent, transparent 60px, rgba(201,168,76,1) 60px, rgba(201,168,76,1) 61px),
    repeating-linear-gradient(90deg, transparent, transparent 60px, rgba(201,168,76,1) 60px, rgba(201,168,76,1) 61px);/*to create mesh & grid look*/
  }

  .hero-orb {
    position: absolute;
     border-radius: 50%;
    filter: blur(80px); /*creates soft glowing light effect*/
    pointer-events: none;
  }
  .orb-1 { width: 600px; height: 600px; right: -100px; top: -100px; background: rgba(201,168,76,0.12); } /*positioning using negative right,top and bottom*/
  .orb-2 { width: 400px; height: 400px; left: -80px; bottom: -80px; background: rgba(26,122,74,0.1); }

  .hero-inner {
    max-width: 1280px; 
    margin: 0 auto; 
    padding: 120px 24px 80px;
    display: grid; 
    grid-template-columns: 1fr 1fr; /*splits section into 2 equal columns = text on left and image on right*/
     gap: 60px;
    align-items: center; 
    width: 100%;
     position: relative;
      z-index: 2;
  }

  .hero-badge {
    display: inline-flex; /*keeps the dot/icon perfectly alligned*/
    align-items: center;
     gap: 8px;
    background: rgba(201,168,76,0.12); 
    border: 1px solid rgba(201,168,76,0.3);
    padding: 6px 16px;
     border-radius: 50px; 
     margin-bottom: 28px;
    animation: fadeInUp 0.8s ease both; /*typically makes an element slideup slightly while page loading*/
  }
  .hero-badge span { color: var(--gold); font-size: 13px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; }
  .badge-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); animation: pulse 2s infinite; }

  @keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(1.3)} } /*animation makes dot in the badge grow and fade creating a live /active effect that catches eye*/

  .hero-headline {
    font-family: 'Playfair Display', serif;
    font-size: clamp(38px, 5vw, 62px); /*modern responsive technique=ensures text is atleast 38px in small phone,5% of viewport width on tab,62 px on destop */
    font-weight: 900; 
    line-height: 1.12;
    color: var(--white);
     margin-bottom: 24px;
    animation: fadeInUp 0.8s 0.1s ease both;
  }
  .hero-headline em { font-style: normal; color: var(--gold); } /*styling emphasized text*/

  .hero-sub {
    font-size: 17px; 
    color: rgba(255,255,255,0.65); 
    line-height: 1.75;
    max-width: 500px;
     margin-bottom: 40px;
    animation: fadeInUp 0.8s 0.2s ease both;
  }

  .hero-actions {
    display: flex;
     gap: 16px; 
     flex-wrap: wrap; /*ensures screen is too narrow,the buttons will stack vertically instead of overflowing the screen*/
    animation: fadeInUp 0.8s 0.3s ease both;
  }
  .btn-hero-primary {
    padding: 16px 36px;
     background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
     border-radius: 10px; 
     font-size: 16px;
    font-weight: 700; 
    cursor: pointer; 
    border: none;
    transition: var(--transition); 
    font-family: 'DM Sans', sans-serif;
    text-decoration: none; 
    display: inline-flex; 
    align-items: center; 
    gap: 8px;
  }
  .btn-hero-primary:hover { transform: translateY(-3px); box-shadow: 0 12px 36px rgba(201,168,76,0.45); }
  .btn-hero-secondary {
    padding: 16px 36px;
     background: rgba(255,255,255,0.07);
    color: var(--white);
     border: 1.5px solid rgba(255,255,255,0.2);
    border-radius: 10px; 
    font-size: 16px;
     font-weight: 600;
    cursor: pointer; 
    transition: var(--transition); 
    font-family: 'DM Sans', sans-serif;
    text-decoration: none; 
    display: inline-flex; 
    align-items: center;
     gap: 8px;
  }
  .btn-hero-secondary:hover { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.35); }

  .hero-stats {
    display: flex; 
    gap: 40px; 
    margin-top: 52px;
    animation: fadeInUp 0.8s 0.4s ease both;
  }
  .stat-item {
     display: flex; 
     flex-direction: column;
      gap: 4px; 
    }
  .stat-num {
     font-family: 'Playfair Display', serif; 
     font-size: 32px; 
     font-weight: 700; 
     color: var(--gold);
     }
  .stat-label {
     font-size: 13px;
      color: rgba(255,255,255,0.5);
       font-weight: 400; 
      }

  /* EMI Calculator Card */
  .hero-card {
    background: rgba(255,255,255,0.04); /*glass morphism effect semi-transparent bg*/
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: var(--radius-lg); 
    padding: 36px;
    backdrop-filter: blur(20px);/*makes card look like frosted glass*/
    box-shadow: 0 30px 80px rgba(0,0,0,0.3);
    animation: fadeInRight 0.9s 0.2s ease both;/*slides fromright over 0.9sec*/
  }
  .card-title {
     font-family: 'Playfair Display', serif; 
     font-size: 22px; 
     font-weight: 700;
      color: var(--white); 
      margin-bottom: 6px; 
    }
  .card-sub { 
    font-size: 13px; 
    color: rgba(255,255,255,0.5); 
    margin-bottom: 28px; 
  }

  .form-group { margin-bottom: 20px; }
  .form-label { 
    display: block; 
    font-size: 12px;
     font-weight: 600; 
     color: rgba(255,255,255,0.5);
      letter-spacing: 1px; 
      text-transform: uppercase; 
      margin-bottom: 8px; 
    }
  .form-select, .form-input {  /*styles  dropdowns and boxes*/
    width: 100%;
     padding: 12px 16px;
    background: rgba(255,255,255,0.07); 
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 10px;
     color: var(--white); 
     font-size: 15px;
    font-family: 'DM Sans', sans-serif; 
    transition: var(--transition); 
    outline: none;
    -webkit-appearance: none;/*used to remove default browser styling */
  }
  .form-select option { background: var(--navy); }
  .form-select:focus, .form-input:focus { border-color: var(--gold); background: rgba(255,255,255,0.1); }

  .range-row { display: flex; justify-content: space-between; font-size: 12px; color: rgba(255,255,255,0.4); margin-top: 6px; }
  input[type=range] {
    width: 100%; -webkit-appearance: none; height: 4px;  
    background: rgba(255,255,255,0.12); border-radius: 2px; outline: none; /*track is set to thin 4px height witha a semi-transparent bg*/
  }
  input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none; 
    width: 18px; 
    height: 18px;
    border-radius: 50%; 
    background: var(--gold);
     cursor: pointer;
    box-shadow: 0 0 0 4px rgba(201,168,76,0.25); /*styles the actual circle you drag*/
  }

  .emi-result {
    background: linear-gradient(135deg, rgba(201,168,76,0.15), rgba(201,168,76,0.05));
    border: 1px solid rgba(201,168,76,0.25);
    border-radius: 12px;
     padding: 20px;
    display: flex;
     justify-content: space-between;
      align-items: center;
       margin-top: 24px;
  }
  .emi-label { font-size: 13px; color: rgba(255,255,255,0.5); }
  .emi-amount { font-family: 'Playfair Display', serif; font-size: 30px; font-weight: 700; color: var(--gold); }
  .emi-sub { font-size: 12px; color: rgba(255,255,255,0.3); margin-top: 2px; }

  @keyframes fadeInUp { from{opacity:0;transform:translateY(30px)} to{opacity:1;transform:translateY(0)} }
  @keyframes fadeInRight { from{opacity:0;transform:translateX(40px)} to{opacity:1;transform:translateX(0)} }

  /* ── MARQUEE TICKER ── */
  .ticker {
    background: var(--gold); padding: 12px 0; overflow: hidden;
    display: flex; position: relative;
  }
  .ticker-track {
    display: flex; gap: 60px;
     white-space: nowrap; /*to keep all items in a single long line */
    animation: ticker 30s linear infinite;
  }
  .ticker-item {
    display: flex; align-items: center; gap: 8px;
    font-size: 13px; font-weight: 700; color: var(--navy); letter-spacing: 0.5px;
  }
  .ticker-dot { width: 5px; height: 5px; border-radius: 50%; background: var(--navy); opacity: 0.4; }
  @keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} } /*moves entire track from 0% to -50% of its width*/

  /* ── SECTION COMMONS ── */
  section { padding: 50px 0; }
  .section-inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
  .section-eyebrow{padding-left:20px;}
  .section-label { font-size: 12px; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 12px;padding-left: 20px; }
  .section-title { font-family: 'Playfair Display', serif; font-size: clamp(28px, 4vw, 44px); font-weight: 700; line-height: 1.2; color: var(--navy);padding-left: 20px; }
  .section-title em { font-style: normal; color: var(--gold); }
  .section-subtitle{padding-left: 20px;}
  .section-desc { font-size: 16px; color: var(--gray-500); line-height: 1.7; max-width: 580px; margin-top: 14px; }

  /* ── LOANS ── */

      .loan-grid {
     display: grid; 
     grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
      gap: 1.5rem; 
    }

  .loan-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.07);
    border-radius: 20px;
     overflow: hidden;
    transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
    cursor: pointer; 
    position: relative;
  }
  .loan-card:hover { 
    transform: translateY(-6px); 
    box-shadow: 0 20px 48px rgba(0,0,0,0.12);
     border-color: rgba(201,168,76,0.3); 
    }

  /* image strip per card */
  .loan-card-img {
    width: 100%;
     height: 160px;
    object-fit: cover;
     display: block;
    transition: transform 0.4s ease;
  }
  .loan-card:hover .loan-card-img {
     transform: scale(1.04); 
    }
  .loan-card-img-wrap {
     overflow: hidden; 
     position: relative; 
    }
  .loan-card-img-wrap::after {
    content: '';
    position: absolute; 
    bottom: 0;
     left: 0; 
     right: 0; 
     height: 60px;
    background: linear-gradient(to bottom, transparent, var(--white));
  }

  .loan-card-body { 
    padding: 1.4rem 1.6rem 1.8rem;
   }
  .loan-card-emoji {
    width: 48px; 
    height: 48px;
     border-radius: 12px;
    display: flex; 
    align-items: center;
     justify-content: center;
    font-size: 22px;
     margin-bottom: 1rem;
    overflow: hidden;
  }
  .loan-card-emoji svg { 
    display: block; 
    width: 48px;
     height: 48px; 
     flex-shrink: 0;
     }
  .loan-card h3 { 
    font-family: 'Playfair Display', serif;
     font-size: 1.15rem;
      font-weight: 700; 
      color: var(--text-dark); 
      margin-bottom: 0.5rem;
     }
  .loan-card p { 
    font-size: 0.87rem;
     color: #6B7480; 
     line-height: 1.65;
      margin-bottom: 1rem;
     }
  .loan-card .range { 
    font-size: 0.8rem; 
    font-weight: 500;
     color: var(--gold);
      background: var(--gold-pale); 
      padding: 0.3rem 0.8rem;
       border-radius: 20px;
        display: inline-block;/*allows them to sit side by side*/
       }
  .loan-card-bar {
    height: 3px; 
    position: absolute;/*place where you want*/
     bottom: 0; 
     left: 0; 
     right: 0;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
     transform-origin: left;
      transition: transform 0.3s;
  }
  .loan-card:hover .loan-card-bar  { 
    transform: scaleX(1);
   }

  .product-card {
    background: var(--cream);
     border: 1px solid rgba(10,22,40,0.08);
    border-radius: var(--radius-lg); 
    padding: 32px;
    transition: var(--transition); 
    cursor: pointer; 
    position: relative;
     overflow: hidden;
  }
  .product-card::before {
    content: ''; 
    position: absolute; 
    top: 0; 
    left: 0; 
    right: 0; 
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0); 
    transform-origin: left;
     transition: transform 0.4s ease;
  }
  .product-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: rgba(201,168,76,0.2); }
  .product-card:hover::before { transform: scaleX(1); }

  .product-icon {
    width: 56px;
     height: 56px;
      border-radius: 14px;
    display: flex;
     align-items: center; 
     justify-content: center;
    font-size: 26px;
     margin-bottom: 20px;
  }
  .product-title { 
    font-family: 'Playfair Display', serif;
     font-size: 20px;
      font-weight: 700; 
      color: var(--navy); 
      margin-bottom: 10px;
     }
  .product-desc { 
    font-size: 14px; 
    color: var(--gray-500);
     line-height: 1.65; 
     margin-bottom: 20px;
     }
  .product-rate { 
    display: flex; 
    align-items: center; 
    gap: 8px; 
  }
  .rate-val {
     font-family: 'Playfair Display', serif;
      font-size: 24px; 
      font-weight: 700; 
      color: var(--navy);
    }
  .rate-label { 
    font-size: 12px;
     color: var(--gray-500); 
     line-height: 1.3; 
    }
  .rate-badge {
     font-size: 11px;
      font-weight: 700; 
      color: var(--green);
       background: rgba(26,122,74,0.1); 
       padding: 3px 10px;
        border-radius: 50px; 
        margin-left: auto; 
      }
  .product-link { 
    display: inline-flex;
     align-items: center;
      gap: 6px;
       color: var(--gold); 
       font-size: 14px;
        font-weight: 600;
         margin-top: 20px; 
         text-decoration: none;
          transition: gap 0.2s;
         }
  .product-link:hover { gap: 10px; }

  /* Icon colors */
  .icon-blue { background: rgba(37,99,235,0.1); }
  .icon-green { background: rgba(26,122,74,0.1); }
  .icon-orange { background: rgba(234,88,12,0.1); }
  .icon-purple { background: rgba(124,58,237,0.1); }
  .icon-red { background: rgba(192,57,43,0.1); }
  .icon-teal { background: rgba(20,184,166,0.1); }

  .services-section {
  padding: 60px 40px;
  background: #f8f5ef;
}

/* ── MAP ── */
.map-wrapper {
  width: 100%;
  height: 340px;
  position: relative;
  border-bottom: 1px solid var(--card-border);
}

.map-wrapper iframe {
  width: 100%;
  height: 100%;
  border: none;
  filter: grayscale(30%) brightness(0.85) contrast(1.1);
}

.map-overlay-btn {
  position: absolute;
  top: 16px;
  left: 16px;
  background: var(--navy2);
  border: 1px solid var(--gold);
  color: var(--gold);
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: background 0.2s;
}

.map-overlay-btn:hover {
  background: rgba(201, 168, 76, 0.15);
}
.services-section { padding: 2rem 0; }
.services-header { margin-bottom: 1.5rem; }
.services-header p { 
   font-size: 0.87rem;
     color: #6B7480; 
     line-height: 1.65;
      margin-bottom: 1rem; }
.services-header h2 {  
  font-family: 'Playfair Display', serif;
     font-size: 1.15rem;
      font-weight: 700; 
      color: var(--text-dark); 
      margin-bottom: 0.5rem; }
.services-header span { font-size: 14px; color: #777; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
  gap: 16px;
}
.svc-card {
   background: var(--white);
    border: 1px solid rgba(0,0,0,0.07);
    border-radius: 20px;
     overflow: hidden;
    transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
    cursor: pointer; 
    position: relative;
}
 .svc-card:hover { 
  transform: translateY(-6px); 
    box-shadow: 0 20px 48px rgba(0,0,0,0.12);
     border-color: rgba(201,168,76,0.3); 
} 
.svc-card-img {
    width: 100%;
     height: 160px;
    object-fit: cover;
     display: block;
    transition: transform 0.4s ease;
  }
.svc-card-body { padding: 16px; }
.svc-icon {
  width: 44px;
   height: 44px;
  border-radius: 10px;
  display: flex; 
  align-items: center;
   justify-content: center;
  margin-bottom: 10px;
}
.svc-card-body h3 { 

   font-family: 'Playfair Display', serif;
     font-size: 1.15rem;
      font-weight: 700; 
      color: var(--text-dark); 
      margin-bottom: 0.5rem;
}
.svc-card-body p {
      font-size: 0.87rem;
     color: #6B7480; 
     line-height: 1.65;
      margin-bottom: 1rem;
   }
.rate-badge {
  display: inline-flex; 
  align-items: center; 
  gap: 4px;
  font-size: 12px;
   padding: 3px 10px;
  border-radius: 20px;
   font-weight: 500;
   margin-left: auto;
}
.badge-green  { background: #EAF3DE; color: #3B6D11; }
.badge-blue   { background: #E6F1FB; color: #185FA5; }
.badge-amber  { background: #FAEEDA; color: #854F0B; }
.badge-purple { background: #EEEDFE; color: #3C3489; }
.badge-coral  { background: #FAECE7; color: #993C1D; }
.svc-card-bar {
  height: 3px;
  background: linear-gradient(90deg, #f59e0b, #fbbf24);
  position: absolute; bottom: 0; left: 0; right: 0;
}

  /* ── WHY US ── */
  .why-us { 
    background: var(--navy); 
    position: relative; 
    overflow: hidden; 
  }
  .why-us::before {
    content: '';
     position: absolute;
      inset: 0; 
      opacity: 0.03;
    background: radial-gradient(ellipse at 30% 50%, var(--gold) 0%, transparent 60%);
  }
  .why-us .section-title { color: var(--white); }
  .why-us .section-label { color: var(--gold); }
  .why-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
  .why-features { display: grid; gap: 24px; }
  .why-feature {
    display: flex;
     gap: 20px; 
     align-items: flex-start;
    padding: 24px;
     border-radius: var(--radius);
    background: rgba(255,255,255,0.04); 
    border: 1px solid rgba(255,255,255,0.06);
    transition: var(--transition);
  }
  .why-feature:hover { background: rgba(201,168,76,0.07); border-color: rgba(201,168,76,0.2); }
  .feature-icon { width: 48px; 
    height: 48px; 
    border-radius: 12px; 
    background: rgba(201,168,76,0.15); 
    display: flex;
     align-items: center; 
     justify-content: center;
      font-size: 22px; 
      flex-shrink: 0;
     }
  .feature-body { flex: 1; }
  .feature-title { font-weight: 700; color: var(--white); font-size: 16px; margin-bottom: 6px; }
  .feature-desc { font-size: 14px; color: rgba(255,255,255,0.5); line-height: 1.6; }

  .why-visual {
    position: relative;
  }
  .trust-card {
    background: rgba(255,255,255,0.05); 
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: var(--radius-lg);
     padding: 32px;
    backdrop-filter: blur(10px);
  }
  .trust-number { 
    font-family: 'Playfair Display', serif; 
    font-size: 64px;
     font-weight: 900; 
     color: var(--gold); 
     line-height: 1; 
     margin-bottom: 8px;
     }
  .trust-desc { 
    font-size: 15px;
     color: rgba(255,255,255,0.6);
      line-height: 1.6; 
      margin-bottom: 32px; 
    }
  .trust-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .metric-box {
    background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.07);
    border-radius: 12px; padding: 16px; text-align: center;
  }
  .metric-val { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700; color: var(--gold-light); }
  .metric-label { font-size: 12px; color: rgba(255,255,255,0.4); margin-top: 4px; }

  /* ── PROCESS ── */
  .process { background: var(--cream); }
  .process-grid {
    display: grid; 
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 0; 
    margin-top: 52px;
     position: relative;
  }
  .process-grid::after {
    content: ''; 
    position: absolute;
     top: 40px; 
     left: 10%; 
     right: 10%;
      height: 1px;
    pointer-events: none;
  }
  .process-step { padding: 32px 24px; text-align: center; position: relative; }
  .step-num {
    width: 80px; 
    height: 80px;
     border-radius: 50%;
    background: var(--white);
     border: 2px solid rgba(201,168,76,0.3);
    display: flex;
    align-items: center;
     justify-content: center;
    margin: 0 auto 20px; 
    position: relative;
     z-index: 2;
    font-family: 'Playfair Display', serif;
     font-size: 28px; 
     font-weight: 700; 
     color: var(--gold);
    transition: var(--transition);
  }
  .process-step:hover .step-num {
     background: var(--gold);
      color: var(--navy); 
      border-color: var(--gold); 
      box-shadow: 0 8px 30px rgba(201,168,76,0.4);
     }
  .step-icon { font-size: 28px; display: block; margin-bottom: 16px; }
  .step-title { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
  .step-desc { font-size: 14px; color: var(--gray-500); line-height: 1.6; }

  /* ── TESTIMONIALS ── */
  .testimonials { background: var(--white); }
  .testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; margin-top: 52px; }
  .testi-card {
    background: var(--cream); border: 1px solid rgba(10,22,40,0.06);
    border-radius: var(--radius-lg); padding: 32px; transition: var(--transition);
  }
  .testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
  .stars { color: var(--gold); font-size: 18px; letter-spacing: 2px; margin-bottom: 16px; }
  .testi-text { font-size: 15px; color: var(--gray-700); line-height: 1.7; margin-bottom: 24px; font-style: italic; }
  .testi-author { display: flex; align-items: center; gap: 14px; }
  .author-avatar {
    width: 48px;
     height: 48px; 
     border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
     align-items: center; 
     justify-content: center;
    font-weight: 700;
     font-size: 18px; 
     color: var(--navy);
  }
  .author-name { font-weight: 700; color: var(--navy); font-size: 15px; }
  .author-city { font-size: 13px; color: var(--gray-500); margin-top: 2px; }
  .testi-loan { font-size: 12px; color: var(--gold); font-weight: 600; margin-top: 4px; }

  /* ── RATES TABLE ── */
  .rates { background: var(--navy); }
  .rates .section-title { color: var(--white); }
  .rates-table-wrap { overflow-x: auto; margin-top: 44px; border-radius: var(--radius-lg); border: 1px solid rgba(201,168,76,0.15); }
  table { width: 100%; border-collapse: collapse; }
  thead { background: rgba(201,168,76,0.12); }
  th { 
    padding: 16px 20px; 
    text-align: left; 
    font-size: 12px;
     font-weight: 700; 
     letter-spacing: 1.5px; 
     text-transform: uppercase;
      color: var(--gold); 
      border-bottom: 1px solid rgba(201,168,76,0.15);
     }
  td { padding: 16px 20px; font-size: 14px; color: rgba(255,255,255,0.75); border-bottom: 1px solid rgba(255,255,255,0.05); }
  tr:last-child td { border-bottom: none; }
  tr:hover td { background: rgba(255,255,255,0.02); color: var(--white); }
  .rate-highlight { color: var(--gold); font-weight: 700; }
  .rate-green { color: #4ade80; font-weight: 600; }
    /* ── POSTER ── */
  .poster {
    background: linear-gradient(160deg, #0d1b2a 0%, #112240 50%, #0a1628 100%);
    padding: 48px 40px 56px;
    position: relative;
    overflow: hidden;
  }

  .poster::before {
    content: '';
    position: absolute;
    top: -120px; right: -120px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
    pointer-events: none;
  }

  .poster::after {
    content: '';
    position: absolute;
    bottom: -80px; left: -80px;
    width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
    pointer-events: none;
  }

  .poster-header {
    text-align: center;
    margin-bottom: 36px;
    position: relative;
  }

  .badge {
    display: inline-block;
    background: rgba(201,168,76,0.15);
    border: 1px solid var(--gold);
    color: var(--gold);
    font-size: 11px;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    padding: 5px 16px;
    border-radius: 20px;
    margin-bottom: 16px;
  }

  .poster-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1rem, 2vw, 2rem);
    font-weight: 900;
    line-height: 1.1;
    color: var(--white);
  }

  .poster-title span {
    color: var(--gold);
  }

  .tagline {
    margin-top: 10px;
    font-size: 13px;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--muted);
  }

  .divider {
    width: 60px;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
    margin: 16px auto 0;
  }

  /* Bank Grid */
  .section-label {
    text-align: center;
    font-size: 11px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 18px;
    opacity: 0.8;
  }

  .bank-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(130px, 1fr));
    gap: 10px;
    margin-bottom: 20px;
  }

 .bank-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
      gap: 14px;
      max-width: 1300px;
      margin: 0 auto 40px;
    }

    .bank-card {
      background: #162033;
      border: 1px solid #1e3050;
      border-radius: 12px;
      padding: 20px 12px 14px;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      gap: 13px;
      cursor: default;
      transition: border-color 0.25s ease, background 0.25s ease, transform 0.2s ease;
    }

    .bank-card:hover {
      border-color: #c8a84b;
      background: #1a2b44;
      transform: translateY(-2px);
    }

   .partner-logo {
    width: 100%;
    display: flex;
    justify-content: center;
    align-items: center;
    margin-bottom: 15px;
}

.partner-logo img {
    width: 120px;      /* increase size */
    height: 70px;    /* keep square */
    object-fit: contain;
    background: white;
    padding: 8px;
    border-radius: 8px;
}

  /* Trust Badges */
  .trust-row {
    display: flex;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
    margin-top: 28px;
    margin-bottom: 8px;
  }

  .trust-pill {
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.35);
    border-radius: 30px;
    padding: 7px 18px;
    font-size: 11.5px;
    font-weight: 600;
    color: var(--gold2);
    letter-spacing: 0.5px;
  }

  .address-bar {
    text-align: center;
    margin-top: 20px;
    font-size: 12px;
    color: var(--muted);
    line-height: 1.8;
  }

  .address-bar strong {
    color: var(--gold);
  }


  /* ── CTA BANNER ── */
  .cta-banner {
    background: linear-gradient(135deg, var(--gold) 0%, #d4a843 50%, var(--gold-light) 100%);
    padding: 80px 0; position: relative; overflow: hidden;
  }
  .cta-banner::before {
    content: ''; position: absolute; inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23000' fill-opacity='0.04'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  }
  .cta-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 32px; position: relative; z-index: 1; }
  .cta-text .cta-title { 
    font-family: 'Playfair Display', serif; 
    font-size: clamp(28px, 3.5vw, 40px); /*clamp is for responsive typography ,min,val,max*/
    font-weight: 900;
     color: var(--navy);
      line-height: 1.2;
     }
  .cta-text .cta-sub { font-size: 16px; color: rgba(10,22,40,0.65); margin-top: 10px; }
  .btn-navy {
    padding: 16px 40px;
     background: var(--navy);
      color: var(--white);
    border-radius: 10px;
     font-size: 16px;
      font-weight: 700; 
      border: none;
    cursor: pointer; 
    transition: var(--transition); 
    font-family: 'DM Sans', sans-serif;
    text-decoration: none; 
    display: inline-flex;
     align-items: center;
      gap: 8px;
    white-space: nowrap;
  }
  .btn-navy:hover { transform: translateY(-3px); box-shadow: 0 12px 36px rgba(10,22,40,0.3); }

  /*All Projects*/
   .hero1{background:linear-gradient(135deg,#0D1B2A 0%,#162840 100%);padding:3rem 2rem;text-align:center;position:relative;overflow:hidden;}
  .hero1-badge{display:inline-block;background:rgba(201,168,76,0.15);border:1px solid rgba(201,168,76,0.4);color:var(--gold);padding:6px 16px;border-radius:20px;font-size:12px;margin-bottom:1rem;letter-spacing:1px}
  .hero1 h1{font-size:2.4rem;font-weight:500;color:#fff;font-family:'Playfair Display', serif;line-height:1.2;margin-bottom:1rem}
  .hero1 h1 span{color:var(--gold)}
  .hero1 p{color:rgba(255,255,255,0.65);font-size:15px;max-width:560px;margin:0 auto 2rem;line-height:1.7}
  .hero1-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
  .btn-primary{background:var(--gold);color:#0D1B2A;border:none;padding:12px 28px;border-radius:8px;font-size:15px;font-weight:500;cursor:pointer}
  .btn-secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,0.3);padding:12px 28px;border-radius:8px;font-size:15px;cursor:pointer}

  /* STATS */
  .stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,0.08)}
  .stat{background:#0D1B2A;padding:1.5rem;text-align:center}
  .stat-num{font-size:1.8rem;font-weight:500;color:var(--gold)}
  .stat-label{font-size:12px;color:rgba(255,255,255,0.5);margin-top:4px}

  /* SECTIONS */
  .section{padding:3rem 2rem;background:#0f1e2d}
  .section-alt{padding:3rem 2rem;background:#0D1B2A}
  .section-header{text-align:center;margin-bottom:2.5rem}
  .section-header h2{font-size:1.8rem;font-weight:500;color:#fff}
  .section-header p{color:rgba(255,255,255,0.55);font-size:14px;margin-top:8px}
  .underline{width:50px;height:3px;background:var(--gold);margin:10px auto 0}

  /* FILTER TABS */
  .filter-tabs{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-bottom:2rem}
  .tab{padding:8px 20px;border-radius:20px;border:1px solid rgba(255,255,255,0.2);color:rgba(255,255,255,0.65);font-size:13px;cursor:pointer;background:transparent;transition:all 0.2s}
  .tab.active,.tab:hover{background:var(--gold);color:#0D1B2A;border-color:var(--gold)}

  /* PROJECTS GRID */
  /* .projects-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.5rem;max-width:1100px;margin:0 auto}
  .project-card{border-radius:12px;overflow:hidden;background:#111f2e;border:1px solid rgba(255,255,255,0.08);cursor:pointer;transition:transform 0.2s,border-color 0.2s}
  .project-card:hover{transform:translateY(-4px);border-color:rgba(201,168,76,0.4)}
  .card-img{height:200px;overflow:hidden;position:relative}
  .card-img img{width:100%;height:100%;object-fit:cover;transition:transform 0.3s}
  .project-card:hover .card-img img{transform:scale(1.05)}
  .card-badge{position:absolute;top:12px;left:12px;background:var(--gold);color:#0D1B2A;font-size:11px;font-weight:500;padding:4px 10px;border-radius:12px}
  .card-body{padding:1.25rem}
  .card-title{font-size:16px;font-weight:500;color:#fff;margin-bottom:6px}
  .card-sub{font-size:13px;color:rgba(255,255,255,0.5);margin-bottom:1rem;line-height:1.5}
  .card-meta{display:flex;gap:12px;flex-wrap:wrap}
  .meta-item{display:flex;align-items:center;gap:5px;font-size:12px;color:rgba(255,255,255,0.45)}
  .meta-dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex-shrink:0} */

  /* Grid — 3 col desktop → 2 col tablet → 1 col mobile */
.projects-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  width: 100%;
}
@media (max-width: 900px) {
  .projects-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .projects-grid { grid-template-columns: 1fr; gap: 1rem; }
}

/* Card */
.project-card {
  border-radius: 12px;
  overflow: hidden;
  background: #111f2e;
  border: 1px solid rgba(255,255,255,0.08);
  cursor: pointer;
  transition: transform 0.2s, border-color 0.2s;
  width: 100%;
  min-width: 0;        /* ← prevents overflow blowout on small screens */
}
.project-card:hover {
  transform: translateY(-4px);
  border-color: rgba(201,168,76,0.4);
}

/* Image */
.card-img { height: 200px; overflow: hidden; position: relative; width: 100%; }
@media (max-width: 560px) { .card-img { height: 180px; } }
.card-img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.3s; }
.project-card:hover .card-img img { transform: scale(1.05); }

/* Badge */
.card-badge {
  position: absolute; top: 12px; left: 12px;
  background: #C9A84C; color: #0D1B2A;
  font-size: 11px; font-weight: 500;
  padding: 4px 10px; border-radius: 12px;
  white-space: nowrap;
}

/* Body */
.card-body { padding: 1.25rem; }
@media (max-width: 560px) { .card-body { padding: 1rem; } }

/* Title */
.card-title { font-size: 16px; font-weight: 500; color: #fff; margin-bottom: 6px; }
@media (max-width: 560px) { .card-title { font-size: 15px; } }

/* Subtitle */
.card-sub { font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 1rem; line-height: 1.5; }

/* Meta row */
.card-meta { display: flex; flex-wrap: wrap; gap: 8px 12px; }
.meta-item { display: flex; align-items: center; gap: 5px; font-size: 12px; color: rgba(255,255,255,0.45); white-space: nowrap; }
.meta-dot { width: 6px; height: 6px; border-radius: 50%; background: #C9A84C; flex-shrink: 0; }

  /* FEATURED */
  .featured{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:12px;overflow:hidden;border:1px solid rgba(255,255,255,0.08);max-width:900px;margin:0 auto 2rem}
  .featured-img{height:450px;overflow:hidden}
  .featured-img img{width:100%;height:100%;object-fit:cover}
  .featured-info{background:#111f2e;padding:2rem;display:flex;flex-direction:column;justify-content:center}
  .featured-tag{color:var(--gold);font-size:12px;letter-spacing:1px;margin-bottom:10px}
  .featured-info h3{font-size:1.5rem;font-weight:500;color:#fff;margin-bottom:10px}
  .featured-info p{color:rgba(255,255,255,0.55);font-size:14px;line-height:1.7;margin-bottom:1.5rem}
  .feat-details{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:1.5rem}
  .feat-detail{background:rgba(255,255,255,0.04);border-radius:8px;padding:10px}
  .feat-detail-label{font-size:11px;color:rgba(255,255,255,0.4);margin-bottom:4px}
  .feat-detail-val{font-size:14px;font-weight:500;color:#fff}
  .amenities{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:1.5rem}
  .amenity{background:rgba(201,168,76,0.1);border:1px solid rgba(201,168,76,0.25);color:var(--gold);font-size:12px;padding:4px 10px;border-radius:12px}

  /* GALLERY */
  .gallery-strip{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;max-width:1100px;margin:0 auto}
  .gallery-thumb{height:180px;border-radius:8px;overflow:hidden;cursor:pointer}
  .gallery-thumb img{width:100%;height:100%;object-fit:cover;transition:transform 0.3s}
  .gallery-thumb:hover img{transform:scale(1.08)}

  /* ── FOOTER ── */
  footer { background: #060e1c; padding: 70px 0 30px; }
  .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 52px; }
  .footer-brand .logo-name { font-size: 22px; }
  .footer-about { font-size: 14px; color: rgba(255,255,255,0.45); line-height: 1.7; margin-top: 16px; max-width: 280px; }
  .footer-about:hover{cursor:pointer;color:var(--white);}
  .footer-reg { font-size: 11px; color: rgba(255,255,255,0.25); margin-top: 16px; line-height: 1.6; }
  .footer-reg:hover{cursor:pointer;color:var(--white);}
  .footer-heading { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
  .footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
  .footer-links a { color: rgba(255,255,255,0.45); text-decoration: none; font-size: 14px; transition: color 0.2s; }
  .footer-links a:hover { color: var(--gold); }
  .footer-contact-item { display: flex; align-items: flex-start; gap: 10px; color: rgba(255,255,255,0.45); font-size: 14px; margin-bottom: 14px; line-height: 1.5; }
  .footer-contact-item:hover{cursor: pointer;color:var(--gold);}
  .contact-icon { color: var(--gold); flex-shrink: 0; }
  .footer-divider { height: 1px; background: rgba(255,255,255,0.06); margin-bottom: 28px; }
  .footer-bottom { display: flex; justify-content: center; align-items: center;text-align: center; flex-wrap: wrap; gap: 12px; }
  .footer-copy { font-size: 13px; color: rgba(255,255,255,0.3);align-items: center; }
  .footer-copy:hover{cursor: pointer;color: var(--white);}
 

  /* ── FLOATING CTA ── */
  .floating-apply {
    position: fixed;
     bottom: 55px;
     right: 28px; 
     z-index: 999;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy); 
    border: none; 
    border-radius: 50px;
    padding: 14px 28px;
     font-size: 15px;
      font-weight: 700;
    cursor: pointer; 
    box-shadow: 0 8px 32px rgba(201,168,76,0.5);
    font-family: 'DM Sans', sans-serif;
     display: flex; 
     align-items: center; 
     gap: 8px;
    transition: var(--transition);
     text-decoration: none;
    animation: floatUp 1s 1s ease both;
  }
  .floating-apply:hover { transform: translateY(-4px) scale(1.03); box-shadow: 0 14px 44px rgba(201,168,76,0.6); }
  @keyframes floatUp { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:translateY(0)} }

  /* ── RESPONSIVE ── */
  @media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; gap: 52px; }
    .hero-card { max-width: 520px; }
    .why-inner { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .process-grid::after { display: none; }
  }
  @media (max-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .services-grid {
    grid-template-columns: 1fr;
  }
}
  @media (max-width: 768px) {
    .nav-links, .nav-cta { display: none; }
    .hamburger { display: flex; }
    .hero-stats { gap: 24px; flex-wrap: wrap; }
    .hero-inner { padding: 100px 24px 60px; }
    .footer-grid { grid-template-columns: 1fr; }
    .cta-inner { flex-direction: column; text-align: center; }
    .floating-apply { bottom: 20px; right: 20px; padding: 12px 22px; font-size: 14px; }
    .rates-table-wrap { font-size: 13px; }
    th, td { padding: 12px 14px; }
    .process-grid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 480px) {
    .hero-actions { flex-direction: column; }
    .btn-hero-primary, .btn-hero-secondary { text-align: center; justify-content: center; }
    .trust-metrics { grid-template-columns: 1fr; }
    .process-grid { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; align-items: flex-start; }
  }
  @media (max-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 767px) {
  .services-grid {
    grid-template-columns: 1fr;
  }
}
  @media(max-width:768px){
    .stats{grid-template-columns:repeat(2,1fr)}
    .featured{grid-template-columns:1fr}
    .featured-img{height:220px}
    .gallery-strip{grid-template-columns:repeat(2,1fr)}
    .hero h1{font-size:1.7rem}
  }


  /* ── SCROLL REVEAL ── */
  .reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; }
  .reveal.visible { opacity: 1; transform: translateY(0); }

  .whatsapp-float {
  position: fixed;
  bottom: 120px;   /* ⬅️ move more up */
  right: 20px;
  z-index: 999;
  width: 55px;
  height: 55px;
  border-radius: 50%;
  background: #25D366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 20px rgba(0,0,0,0.3);
}

.whatsapp-float img {
  width: 32px;
  height: 32px;
}

.whatsapp-float:hover {
  transform: scale(1.1);
}