/*
Theme Name: AVAGROW
Description: AVAGROW Financial Solutions — hand-built theme. Your own CSS, no page builder, no framework.
Version: 1.1.3
Author: AVAGROW
Requires at least: 6.0
Requires PHP: 7.4
*/
:root{
    --orange:#E5480A; --orange-dark:#C33D05;
    --navy:#0E3A6B; --navy-2:#123E74; --blue:#1E6FD9;
    --ink:#16233d; --muted:#647089; --bg:#f4f7fb; --card:#fff;
    --line:#e5eaf1; --star:#f5a623;
    --shadow:0 10px 35px rgba(16,40,80,.08);
    --shadow-lg:0 20px 55px rgba(16,40,80,.14);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{font-family:'Poppins',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}
  a{color:inherit;text-decoration:none}
  img{max-width:100%;height:auto}

  /* focus: one visible highlight for every control in the theme. The 1px ring
     reads as a 2px border without the reflow a border-width change causes. */
  input:focus,select:focus,textarea:focus,.cr-file:focus-within,.emi-inp:focus-within{
    outline:none;border-color:var(--orange);
    box-shadow:0 0 0 1px var(--orange),0 0 0 4px rgba(229,72,10,.15)}
  .wrap{max-width:1500px;margin:0 auto;padding:0 20px}
  .wrap-full{max-width:1500px;margin:0 auto;padding:0 20px}
  section{padding:64px 0}
  .sec-title{text-align:center;font-size:30px;font-weight:700;margin-bottom:6px}
  .sec-title .u{display:block;width:70px;height:3px;background:var(--orange);margin:10px auto 0;border-radius:3px}
  .btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;padding:13px 26px;border-radius:8px;border:0;cursor:pointer;transition:.2s;font-family:inherit}
  .btn-orange{background:var(--orange);color:#fff}
  .btn-orange:hover{background:var(--orange-dark)}
  .btn-outline{background:transparent;border:2px solid var(--navy);color:var(--navy)}
  .btn-outline:hover{background:var(--navy);color:#fff}
  .btn-block{width:100%;justify-content:center}
  .arrow::after{content:"→"}
  /* every form handler already sets btn.disabled while the fetch is in flight - this makes that visible */
  .btn:disabled{opacity:.75;cursor:progress;color:transparent;position:relative}
  .btn:disabled::after{content:none}
  .btn:disabled::before{content:"";position:absolute;top:50%;left:50%;width:18px;height:18px;margin:-9px 0 0 -9px;
    border:2px solid rgba(255,255,255,.45);border-top-color:#fff;border-radius:50%;animation:ava-spin .65s linear infinite}
  @keyframes ava-spin{to{transform:rotate(360deg)}}

  /* ---------- Header ---------- */
  header{border-top:5px solid var(--orange);background:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(16,40,80,.06)}
  .nav{display:flex;align-items:center;justify-content:space-between}
  .logo{display:flex;align-items:center;gap:10px}
  .logo .mark{width:clamp(230px,27vw,404px);flex:none;display:block;box-shadow:0 8px 22px rgba(229,72,10,.22);transition:transform .35s ease,box-shadow .35s ease}
  .logo:hover .mark{transform:translateY(-2px);box-shadow:0 13px 30px rgba(229,72,10,.34)}
  .logo b{font-size:20px;font-weight:800;letter-spacing:.5px;line-height:1}
  .logo b em{color:var(--orange);font-style:normal}
  .logo small{display:block;font-size:9px;color:var(--muted);font-weight:500;letter-spacing:.4px;margin-top:2px}
  nav.menu{display:flex;gap:26px}
  nav.menu a{font-size:14.5px;font-weight:700;color:#33405c;position:relative}
  nav.menu a:hover,nav.menu a.active{color:var(--orange)}
  nav.menu a.active::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--orange)}
  .call{display:flex;align-items:center;gap:9px;background:var(--orange);color:#fff;padding:9px 18px;border-radius:9px;font-weight:600}
  .call small{display:block;font-size:11px;font-weight:400;opacity:.9}
  .call b{font-size:15px}
  .burger{display:none;font-size:26px;background:none;border:0;color:var(--navy);cursor:pointer}
  .menu-close,.nav-backdrop{display:none}

  /* keep the inline menu from colliding with the wider logo before the 980px drawer kicks in */
  @media(max-width:1340px){ nav.menu{gap:18px} nav.menu a{font-size:13.5px} .call{padding:9px 14px} }

  /* ---------- Hero ---------- */
  /* full-bleed hero with cross-fading photo slider; white fade left keeps text readable */
  .hero{position:relative;padding:56px 0 60px;overflow:hidden;background:linear-gradient(135deg,#dfeaf9,#f0f5fc)}
  .hero-slider{position:absolute;inset:0;z-index:0}
  .hero-slide{position:absolute;inset:0;background-position:center bottom;background-size:cover;background-repeat:no-repeat;opacity:0;transition:opacity 1.2s ease}
  .hero-slide.on{opacity:1}
  .hero-overlay{position:absolute;inset:0;z-index:1;pointer-events:none;
    background:linear-gradient(100deg,rgba(255,255,255,.94) 0%,rgba(255,255,255,.6) 34%,rgba(255,255,255,0) 54%)}
  .hero>.wrap,.hero-grid{position:relative;z-index:2}
  .hero-grid{position:relative;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:start;max-width:1500px;margin:0 auto;padding:0 20px}
  .hero h1{font-size:46px;line-height:1.12;font-weight:800;color:var(--navy)}
  .hero h1 .o{color:var(--orange)}
  .hero .tag{color:var(--blue);font-weight:700;font-size:20px;margin:12px 0 14px}
  .hero p.lead{color:#42506b;max-width:440px;margin-bottom:22px}
  .pills{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;max-width:660px;margin-bottom:26px}
  .pill{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.55);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.75);border-radius:10px;padding:10px 10px;box-shadow:var(--shadow)}
  .pill .ic{width:34px;height:34px;flex:none;border-radius:9px;display:grid;place-items:center;background:#fff1e0;color:var(--orange)}
  .pill .ic svg{width:18px;height:18px}
  .pill b{font-size:12px;font-weight:600;color:var(--navy);line-height:1.3}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap;padding-bottom:44px}

  /* form card */
  .form-card{background:rgba(255,255,255,.86);backdrop-filter:blur(12px) saturate(115%);
    -webkit-backdrop-filter:blur(12px) saturate(115%);border:1px solid rgba(255,255,255,.65);
    border-radius:14px;box-shadow:var(--shadow-lg);padding:26px 24px;margin-top:-6px;width:440px;max-width:100%}
  .form-card h3,.form-card h2{font-size:22px;color:var(--navy);font-weight:700;margin-bottom:18px}
  .field{position:relative;margin-bottom:14px}
  .field .fic{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--orange);width:18px;height:18px}
  .field input,.field select{width:100%;padding:13px 13px 13px 40px;border:1px solid var(--line);border-radius:9px;font-family:inherit;font-size:14.5px;color:var(--ink);background:#fbfcfe;transition:.15s}
  .field input:focus,.field select:focus{outline:none;border-color:var(--orange);background:#fff}
  .field select{padding-left:13px;appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23647089' stroke-width='3'><path d='M6 9l6 6 6-6'/></svg>");background-repeat:no-repeat;background-position:right 14px center}
  .two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
  .lbl{font-size:12px;color:var(--muted);margin-bottom:4px;display:block}
  .secure{display:flex;align-items:center;justify-content:center;gap:7px;color:var(--muted);font-size:12.5px;margin-top:14px}

  /* ---------- Stats ---------- */
  .stats{margin-top:-38px;position:relative;z-index:5}
  .stats-inner{background:#fff;border-radius:14px;box-shadow:var(--shadow-lg);display:grid;grid-template-columns:repeat(4,1fr);padding:26px 10px}
  .stat{display:flex;align-items:center;gap:14px;justify-content:center;border-right:1px solid var(--line)}
  .stat:last-child{border:0}
  .stat .ic{width:44px;height:44px;color:var(--blue)}
  .stat:nth-child(2n) .ic{color:var(--orange)}
  .stat b{font-size:24px;font-weight:800;color:var(--navy);display:block;line-height:1}
  .stat span{font-size:13px;color:var(--muted)}

  /* ---------- Products ---------- */
  .prod-grid{display:flex;gap:22px;margin-top:40px;overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding:14px 6px 18px}
  .prod-grid::-webkit-scrollbar{height:8px}
  .prod-grid::-webkit-scrollbar-thumb{background:#cfd9e8;border-radius:4px}
  .prod{flex:0 0 270px;min-width:0;scroll-snap-align:start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:38px 24px;text-align:center;box-shadow:var(--shadow);transition:.22s}
  .prod:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:#dbe6f5}
  .prod .picon{width:92px;height:92px;max-width:100%;object-fit:contain;margin:0 auto 20px;display:block}
  .prod h4,.prod h3{font-size:21px;font-weight:700;margin-bottom:10px;color:var(--navy)}
  .prod:nth-child(2n) h4,.prod:nth-child(2n) h3{color:var(--orange)}
  .prod p{font-size:15px;color:var(--muted);min-height:48px}
  .prod .apply{font-weight:600;font-size:15px;color:var(--blue);margin-top:14px;display:inline-flex;gap:5px}
  .prod:nth-child(2n) .apply{color:var(--orange)}

  /* ---------- Why + Process ---------- */
  .split{display:grid;grid-template-columns:1fr 1.15fr;gap:30px}
  .panel{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px;box-shadow:var(--shadow)}
  .panel h3{font-size:22px;font-weight:700;color:var(--navy);margin-bottom:22px}
  .panel h3 .u{display:block;width:54px;height:3px;background:var(--orange);margin-top:8px;border-radius:3px}
  .why-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 22px}
  .why{display:flex;gap:13px}
  .why .ic{width:40px;height:40px;flex:none;border-radius:10px;display:grid;place-items:center;background:#eef4fe;color:var(--blue)}
  .why:nth-child(2n) .ic{background:#fff4e6;color:var(--orange)}
  .why b{font-size:14.5px;font-weight:600;display:block}
  .why span{font-size:12.5px;color:var(--muted)}
  .steps{display:flex;justify-content:space-between;gap:6px;position:relative;margin-top:14px}
  .steps::before{content:"";position:absolute;top:38px;left:11%;right:11%;height:2px;border-top:2px dashed #f2b878}
  .step{position:relative;text-align:center;flex:1}
  .step .num{width:54px;height:54px;margin:0 auto 12px;border-radius:50%;display:grid;place-items:center;background:#fff;border:2px solid var(--blue);color:var(--blue);font-weight:700;position:relative;z-index:2}
  .step .pic{width:78px;height:78px;object-fit:contain;margin:0 auto 12px;display:block;position:relative;z-index:2;background:#fff;border-radius:50%}
  .step:nth-child(2n) .num{border-color:var(--orange);color:var(--orange)}
  .step .st-ic{position:absolute;top:-9px;right:calc(50% - 40px);width:26px;height:26px;background:#fff;border-radius:50%;display:grid;place-items:center;color:var(--orange);box-shadow:0 2px 8px rgba(0,0,0,.08)}
  .step b{font-size:13px;font-weight:600;display:block;color:var(--navy)}
  /* Why Choose Us — 8 cards */
  .sec-intro{max-width:860px;margin:14px auto 0;text-align:center;color:var(--muted);font-size:15px;line-height:1.7}
  .why8{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:36px}
  .why8 .card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 22px;box-shadow:var(--shadow);transition:.2s}
  .why8 .card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:#dbe6f5}
  .why8 .ic{width:50px;height:50px;border-radius:12px;display:grid;place-items:center;background:#eef4fe;color:var(--blue);margin-bottom:14px}
  .why8 .ic svg{width:24px;height:24px}
  .why8 .card:nth-child(2n) .ic{background:#fff4e6;color:var(--orange)}
  .why8 h4,.why8 h2{font-size:16px;color:var(--navy);margin-bottom:8px;font-weight:700}
  .why8 p{font-size:13.5px;color:var(--muted);line-height:1.65}
  .why-close{max-width:900px;margin:38px auto 0;text-align:center;color:var(--navy);font-size:15px;font-weight:500;line-height:1.7}

  /* ---------- EMI + Banks ---------- */
  .emi-offer{display:grid;grid-template-columns:1.35fr 1fr;gap:30px;align-items:center}
  .emi-panel{padding:22px 26px}
  .emi-panel h3{margin-bottom:14px}
  .emi-panel .btn{padding:11px 22px}
  .emi-result-row{display:flex;gap:14px;margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}
  .emi-result-row>div{flex:1;text-align:center}
  .emi-result-row span{display:block;font-size:11px;color:var(--muted);margin-bottom:2px}
  .emi-result-row b{font-size:16px;color:var(--orange);font-weight:700}
  .emi-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:22px}
  .emi-inputs{display:grid;grid-template-columns:1fr 1fr;gap:12px 16px}
  .emi-inputs .full{grid-column:1/-1}
  .emi-inputs .btn-cell{display:flex;align-items:flex-end}
  .emi-inputs label{font-size:13px;color:var(--muted);display:block;margin-bottom:4px}
  .emi-inputs input,.emi-inputs select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:9px;font-family:inherit;font-size:15px;color:var(--ink)}
  .emi-inputs input:focus,.emi-inputs select:focus{outline:none;border-color:var(--orange)}
  .emi-result{background:linear-gradient(160deg,#fff7ee,#fff);border:1px solid #ffe4c2;border-radius:12px;padding:20px}
  .emi-row{display:flex;justify-content:space-between;padding:12px 2px;border-bottom:1px dashed #f0d9bd}
  .emi-row:last-child{border:0}
  .emi-row span{color:var(--muted);font-size:13.5px}
  .emi-row b{color:var(--orange);font-size:19px;font-weight:700}
  .bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
  .bank{background:#fff;border:1px solid var(--line);border-radius:10px;height:66px;display:grid;place-items:center;font-weight:800;font-size:14px;color:var(--navy);box-shadow:var(--shadow);text-align:center;padding:6px}
  .bank small{display:block;font-size:9px;font-weight:500;color:var(--muted)}

  /* ---------- Testimonials + FAQ ---------- */
  .tf-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.95fr);gap:30px;align-items:start}
  .tf-grid>*{min-width:0}
  .t-slider{position:relative;min-width:0}
  .t-track{display:flex;gap:18px;width:100%;overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;scroll-behavior:smooth;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .t-track::-webkit-scrollbar{display:none}
  .t-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:var(--shadow);flex:0 0 calc(33.333% - 12px);scroll-snap-align:start}
  .t-card .stars{color:var(--star);font-size:14px;letter-spacing:2px;margin-bottom:10px}
  .t-card p{font-size:13.5px;color:#42506b;font-style:italic;min-height:88px}
  .t-card .who b{display:block;font-size:14px;color:var(--navy)}
  .t-card .who span{font-size:12px;color:var(--muted)}
  .t-nav{position:absolute;top:50%;transform:translateY(-50%);width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;display:grid;place-items:center;color:var(--navy);box-shadow:var(--shadow);z-index:2}
  .t-nav.prev{left:-16px}.t-nav.next{right:-16px}
  .dots{display:flex;gap:7px;justify-content:center;margin-top:16px}
  .dots i{width:8px;height:8px;border-radius:50%;background:#cfd9e8;cursor:pointer}
  .dots i.on{background:var(--orange);width:20px;border-radius:5px}
  .faq h3{font-size:24px;font-weight:700;color:var(--navy);margin-bottom:6px}
  .faq h3 .u{display:block;width:54px;height:3px;background:var(--orange);margin:8px 0 18px;border-radius:3px}
  .qa{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
  .qa button{width:100%;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:15px 18px;background:none;border:0;font-family:inherit;font-size:14.5px;font-weight:600;color:var(--navy);cursor:pointer;text-align:left}
  .qa .plus{color:var(--orange);font-size:20px;flex:none;transition:.2s}
  .qa.open .plus{transform:rotate(45deg)}
  .qa .ans{max-height:0;overflow:hidden;transition:max-height .28s ease;color:var(--muted);font-size:13.5px}
  .qa .ans p{padding:0 18px 16px}

  /* ---------- CTA banner ---------- */
  .cta{background:linear-gradient(100deg,var(--navy) 0%,var(--blue) 55%,var(--orange) 55%);border-radius:16px;color:#fff;
    display:flex;align-items:center;justify-content:space-between;gap:20px;padding:34px 44px;position:relative;overflow:hidden}
  .cta h3{font-size:27px;font-weight:800}
  .cta p{opacity:.92;margin:6px 0 16px;font-size:15px}
  .cta .emoji{font-size:64px;line-height:1}

  /* ---------- Footer ---------- */
  footer{background:#0c1f3a;color:#c3cee0;padding:56px 0 0;font-size:14px;border-top:4px solid #e74500}
  .foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:30px;padding-bottom:36px}
  .foot .logo b{color:#fff}.foot .logo small{color:#8fa2c0}
  .mark-footer{width:190px;display:block;border-radius:18px;border:1px solid rgba(255,255,255,.10);box-shadow:0 14px 34px rgba(229,72,10,.28),0 2px 0 rgba(255,255,255,.06) inset;transition:transform .35s ease,box-shadow .35s ease}
  .foot .logo:hover .mark-footer{transform:translateY(-4px);box-shadow:0 22px 46px rgba(229,72,10,.42),0 2px 0 rgba(255,255,255,.10) inset}
  .foot p.desc{margin:16px 0;color:#93a3c0;max-width:280px}
  .socials{display:flex;gap:10px}
  .socials a{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:#16305a;color:#cdd8ea}
  .socials a:hover{background:var(--orange);color:#fff}
  footer h5,footer h2{color:#fff;font-size:15px;margin-bottom:16px;font-weight:600}
  footer ul{list-style:none;display:grid;gap:9px}
  footer ul a{color:#a9b7d1}
  footer ul a:hover{color:var(--orange)}
  .contact li{display:flex;gap:10px;margin-bottom:11px;color:#a9b7d1}
  .contact svg{color:var(--orange);flex:none;margin-top:2px}
  .foot-bottom{border-top:1px solid #1c3358;padding:16px 0;display:flex;justify-content:space-between;color:#8092b2;font-size:13px}

  /* ---------- Toast ---------- */
  .toast{visibility:hidden;position:fixed;bottom:24px;left:50%;transform:translateX(-50%) translateY(120px);background:var(--navy);color:#fff;padding:14px 22px;border-radius:10px;box-shadow:var(--shadow-lg);z-index:99;transition:.35s;font-size:14px}
  .toast.show{visibility:visible;transform:translateX(-50%) translateY(0)}

  /* ---------- WhatsApp float ---------- */
  /* z-index 54 keeps it under the mobile nav backdrop (55) so it dims with the page */
  .wa-float{position:fixed;right:20px;bottom:22px;z-index:54;width:56px;height:56px;border-radius:50%;
    display:grid;place-items:center;background:#25D366;color:#fff;
    box-shadow:0 8px 24px rgba(37,211,102,.45);transition:transform .25s ease,box-shadow .25s ease}
  .wa-float:hover{transform:scale(1.08);box-shadow:0 12px 30px rgba(37,211,102,.6)}
  @media(max-width:620px){ .wa-float{width:50px;height:50px;right:14px;bottom:16px} }

  /* ---------- Responsive ---------- */
  @media(max-width:980px){
    .call{display:none}
    .burger{display:block}
    /* slide-in drawer: enters from the left edge, × closes it, tap outside closes it */
    nav.menu{position:fixed;top:0;left:0;bottom:0;width:min(76vw,300px);background:#fff;flex-direction:column;
      align-items:stretch;gap:0;padding:66px 24px 24px;box-shadow:10px 0 34px rgba(10,25,60,.22);
      transform:translateX(-100%);visibility:hidden;transition:transform .28s ease,visibility .28s;z-index:60;overflow-y:auto}
    nav.menu.show{transform:none;visibility:visible}
    .menu-close{display:block;position:absolute;top:10px;right:14px;padding:2px 8px;font-size:34px;line-height:1;
      background:none;border:0;color:var(--navy);cursor:pointer}
    .nav-backdrop{display:block;position:fixed;inset:0;background:rgba(10,25,60,.5);opacity:0;visibility:hidden;transition:.28s;z-index:55}
    body.nav-open .nav-backdrop{opacity:1;visibility:visible}
    body.nav-open{overflow:hidden}
    /* The desktop header is deliberately full-bleed (no padding on .nav). On a phone
       that put the logo and the menu button hard against the screen edges, where a
       thumb misses them and the OS claims the swipe. Inset only at this width. */
    .nav{height:auto;padding:0 14px}
    /* 26px glyph in a 44px hit area — the minimum comfortable tap target. The
       negative margin keeps the button looking the same size as it did. */
    .burger{padding:9px 11px;margin:-9px -11px;line-height:1}
    .logo .mark{width:min(56vw,240px)}
    .hero-grid,.split,.emi-grid,.emi-offer,.tf-grid{grid-template-columns:1fr}
    .hero-grid>*{min-width:0}                        /* let the pill/CTA rows scroll instead of widening the grid */
    .hero-slide{background-size:100% auto;background-position:center bottom}
    .hero{padding-bottom:calc(100vw * 698 / 1600)}   /* expose the full-width photo strip under the form */
    .form-card{width:100%;background:rgba(255,255,255,.94)}
    .prod{flex:0 0 42%;padding:32px 18px}
    .stats-inner{grid-template-columns:1fr 1fr;gap:22px 0}
    .stat:nth-child(2n){border-right:0}
    .steps{flex-wrap:wrap;gap:22px}.steps::before{display:none}.step{flex:0 0 45%}
    .why8{grid-template-columns:repeat(2,1fr)}
    .bank-grid{grid-template-columns:repeat(3,1fr)}
    .t-card{flex:0 0 calc(50% - 9px)}
    .cta{flex-direction:column;text-align:center;background:linear-gradient(150deg,var(--navy),var(--blue))}
    .foot-grid{grid-template-columns:1fr 1fr}
  }
  @media(max-width:620px){
    .logo .mark{width:min(62vw,220px)}
    .sec-title{font-size:24px;line-height:1.25}
    .hero h1{font-size:34px}
    /* pills + stats: single row, swipe for the rest */
    .pills{display:flex;overflow-x:auto;scroll-snap-type:x proximity;-webkit-overflow-scrolling:touch;margin-bottom:22px}
    .pill{flex:0 0 auto;scroll-snap-align:start}
    .hero-cta{flex-wrap:nowrap}
    .hero-cta .btn{flex:1 1 0;justify-content:center;padding:13px 12px;font-size:14px;white-space:nowrap}
    .two{grid-template-columns:1fr}
    .why-grid{grid-template-columns:1fr}.why8{grid-template-columns:1fr}.bank-grid{grid-template-columns:1fr 1fr}
    .t-card{flex:0 0 100%}.foot-grid{grid-template-columns:1fr}
    /* one stat per swipe — sized so the label never gets cut, next icon peeks as the scroll hint */
    .stats-inner{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding:22px 0}
    .stat{flex:0 0 84%;scroll-snap-align:start;justify-content:flex-start;padding:0 24px;border-right:1px solid var(--line)}
    .pills::-webkit-scrollbar,.stats-inner::-webkit-scrollbar{display:none}
    .prod{flex:0 0 min(78%,300px)}.prod p{min-height:0}
    .foot-bottom{flex-direction:column;gap:8px;text-align:center}
  }

/* ===== inner page banner ===== */
.page-head{background:linear-gradient(120deg,var(--navy),var(--blue));color:#fff;padding:56px 0;text-align:center}
.page-head h1{font-size:34px;font-weight:800}
.page-head .crumb{margin-top:8px;font-size:14px;color:#cfe0f5}
.page-head .crumb a{color:#fff}
.page-head .crumb a:hover{text-decoration:underline}

/* ===== offer banner (replaces partner-banks grid) ===== */
.offer-banner{display:block;transition:.2s}
.offer-banner img{width:100%;height:auto;display:block;border-radius:16px;box-shadow:var(--shadow)}
.offer-banner:hover img{box-shadow:var(--shadow-lg)}

/* ===== footer CTA banner text overlay ===== */
.footer-cta{position:relative}
.footer-cta>img{width:100%;height:auto;display:block;border-radius:16px;box-shadow:var(--shadow)}
.footer-cta-text{position:absolute;top:50%;left:29%;transform:translateY(-50%);color:#fff;max-width:40%}
.footer-cta-text h3{font-size:clamp(14px,2.15vw,30px);font-weight:800;line-height:1.12;margin-bottom:clamp(2px,.6vw,8px)}
.footer-cta-text p{font-size:clamp(9px,1.15vw,15px);opacity:.93;line-height:1.3;margin-bottom:clamp(6px,1vw,16px)}
.footer-cta-btn{background:#fff;color:var(--orange);padding:clamp(6px,.9vw,13px) clamp(12px,1.5vw,26px);font-size:clamp(10px,1.05vw,15px)}
.footer-cta-btn:hover{background:#fff5e9}
@media(max-width:760px){
  .footer-cta{min-height:150px;border-radius:16px;overflow:hidden}
  .footer-cta>img{height:150px;object-fit:cover;object-position:center}
  .footer-cta-text{left:0;right:0;transform:translateY(-50%);text-align:center;max-width:none;padding:0 18px}
  .footer-cta-text h3{font-size:19px;line-height:1.15}
  .footer-cta-text p{display:none}
  .footer-cta-btn{font-size:13px;padding:9px 18px;margin-top:6px}
}

  /* WP nav menu output */
  nav.menu ul.menu-list{display:flex;gap:26px;margin:0;padding:0;list-style:none}
  @media(max-width:980px){
    nav.menu ul.menu-list{flex-direction:column;gap:0;width:100%}
    nav.menu li{border-bottom:1px solid var(--line)}
    nav.menu li:last-child{border-bottom:0}
    nav.menu a{display:block;font-size:18px;padding:17px 2px}
    nav.menu a.active::after,nav.menu li.current-menu-item>a::after{display:none}
  }
  nav.menu li{list-style:none}
  nav.menu li.current-menu-item>a,nav.menu li.current_page_item>a{color:var(--orange)}
  nav.menu li.current-menu-item>a::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--orange)}
  /* blog / inner pages */
  .post-wrap{max-width:820px;margin:0 auto;padding:96px 20px 64px}
  .post-wrap h1{font-size:32px;margin-bottom:8px}
  .post-wrap h2{font-size:24px;margin:28px 0 10px}
  .post-wrap p,.post-wrap ul,.post-wrap ol{margin-bottom:16px}
  .post-wrap ul,.post-wrap ol{padding-left:22px}
  .post-wrap img{border-radius:12px;height:auto}
  .post-meta{color:var(--muted);font-size:14px;margin-bottom:24px}
  .post-list{display:grid;gap:20px}
  .post-list article{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px}
  .post-list h2{font-size:20px;margin:0 0 6px}

/* ================= About Us page ================= */
.ab-hero{position:relative;padding:104px 0 86px;overflow:hidden;
  background:#eef4fb url("img/about-hero.webp") right center/cover no-repeat}
.ab-hero::before{content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(255,255,255,.95) 0%,rgba(255,255,255,.72) 34%,rgba(255,255,255,0) 58%)}
.ab-hero-grid{position:relative;z-index:2}
.ab-hero h1{font-size:clamp(28px,3.4vw,44px);line-height:1.14;font-weight:800;color:var(--navy);max-width:16em}
.ab-hero h1 .o{color:var(--orange)}
.ab-kicker{display:block;color:var(--orange);font-weight:700;font-size:13px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px}
.ab-lead{max-width:34em;margin:16px 0 24px;color:var(--muted);font-size:15.5px}
.ab-lead p{margin-bottom:10px}
.ab-h{font-size:15px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);margin-bottom:8px}
.ab-h2{font-size:clamp(22px,2.4vw,30px);font-weight:700;color:var(--navy);margin:4px 0 12px}
.ab-h2 .u{display:block;width:54px;height:3px;background:var(--orange);margin:10px 0 0;border-radius:3px}

.ab-mvw{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;align-items:start}
.ab-block{display:flex;gap:16px;padding:26px 24px;border-radius:14px;transition:background .25s,color .25s,box-shadow .25s}
.ab-block p{color:var(--muted);font-size:14.5px}
.ab-ic{width:58px;height:58px;flex:none;border-radius:50%;background:#fdeae1;color:var(--orange);display:grid;place-items:center;transition:background .25s,color .25s}
/* divider between the three columns, as in the design */
.ab-mvw .ab-block:not(:last-child){border-right:1px solid var(--line)}

/* dark treatment: the middle box by default, or whichever box is hovered */
.ab-block.ab-vision,.ab-block:hover{background:var(--navy);color:#fff;box-shadow:var(--shadow-lg);border-right-color:transparent}
.ab-block.ab-vision .ab-h,.ab-block:hover .ab-h{color:#fff}
.ab-block.ab-vision p,.ab-block:hover p{color:rgba(255,255,255,.85)}
.ab-block.ab-vision .ab-list li,.ab-block:hover .ab-list li{color:rgba(255,255,255,.9)}
.ab-block.ab-vision .ab-ic,.ab-block:hover .ab-ic{background:rgba(255,255,255,.14);color:#fff}

/* hovering another box hands the dark treatment over to it */
.ab-mvw:has(.ab-block:hover) .ab-vision:not(:hover){background:transparent;color:var(--ink);box-shadow:none}
.ab-mvw:has(.ab-block:hover) .ab-vision:not(:hover) .ab-h{color:var(--navy)}
.ab-mvw:has(.ab-block:hover) .ab-vision:not(:hover) p{color:var(--muted)}
.ab-mvw:has(.ab-block:hover) .ab-vision:not(:hover) .ab-list li{color:var(--ink)}
.ab-mvw:has(.ab-block:hover) .ab-vision:not(:hover) .ab-ic{background:#fdeae1;color:var(--orange)}
.ab-list{list-style:none;display:grid;gap:9px;margin:0}
.ab-list li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--ink)}
.ab-list svg{color:var(--orange);flex:none;margin-top:2px}

.ab-what{display:grid;grid-template-columns:330px 1fr;gap:40px;align-items:center}
.ab-what p{color:var(--muted);font-size:14.5px}
.ab-loans{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.ab-loan{display:block;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:28px 18px;text-align:center;transition:.2s}
.ab-loan:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.ab-loan .ring{width:58px;height:58px;border-radius:50%;background:#e7f0fd;color:var(--blue);display:grid;place-items:center;margin:0 auto 14px}
.ab-loan h4,.ab-loan h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:8px}
.ab-loan p{font-size:13.5px;color:var(--muted)}

.ab-journey{padding:60px 0;color:#fff;
  background:linear-gradient(rgba(14,58,107,.94),rgba(16,44,80,.97)),url("img/header-image.webp") center/cover no-repeat}
.ab-timeline{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:34px;position:relative}
.ab-timeline::before{content:"";position:absolute;top:34px;left:10%;right:10%;border-top:2px dashed rgba(255,255,255,.35)}
.ab-step{position:relative;text-align:center}
.ab-step .dot{width:68px;height:68px;border-radius:50%;background:var(--orange);color:#fff;display:grid;place-items:center;margin:0 auto 14px;box-shadow:0 10px 24px rgba(0,0,0,.28)}
/* not reached yet: hollow dashed ring, matching the dashed connector line */
.ab-step .dot.goal{background:transparent;border:2px dashed rgba(255,255,255,.5);color:rgba(255,255,255,.7);box-shadow:none}
.ab-step .dot.goal + .yr{color:rgba(255,255,255,.75)}
.ab-step .yr{font-weight:800;font-size:17px;display:block}
.ab-step b{display:block;font-size:15px;margin-top:2px}
.ab-step p{font-size:13px;color:rgba(255,255,255,.8);margin-top:6px}

@media(max-width:980px){
  .ab-hero{padding:64px 0 calc(53vw + 20px);background-size:100% auto;background-position:center bottom}
  .ab-mvw{grid-template-columns:1fr}
  .ab-mvw .ab-block:not(:last-child){border-right:0}
  .ab-what{grid-template-columns:1fr}
  .ab-loans{grid-template-columns:1fr 1fr}
  .ab-timeline{grid-template-columns:1fr 1fr;gap:26px}
  .ab-timeline::before{display:none}
}
@media(max-width:620px){
  .ab-loans{grid-template-columns:1fr}
  /* journey: one line, swipe through the years (same carousel idiom as .prod-grid) */
  .ab-timeline{display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding-bottom:14px}
  .ab-step{flex:0 0 calc(50% - 7px);scroll-snap-align:start}
  .ab-timeline::-webkit-scrollbar{height:6px}
  .ab-timeline::-webkit-scrollbar-thumb{background:rgba(255,255,255,.35);border-radius:3px}
  .ab-hero::before{background:linear-gradient(180deg,rgba(255,255,255,.95) 0%,rgba(255,255,255,.8) 60%,rgba(255,255,255,.35) 100%)}
}

/* ---- About: team ---- */
.ab-team{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:34px}
.ab-member{background:#eef2f8;border-radius:16px;padding:14px 14px 18px;box-shadow:var(--shadow)}
.ab-photo{aspect-ratio:5/6;border-radius:12px;overflow:hidden;display:grid;place-items:center;
  background:linear-gradient(180deg,#e8edf5,#dde5f0);color:#aab6c9}
.ab-photo img{width:100%;height:100%;object-fit:cover;object-position:top center;display:block}
.ab-photo svg{width:44%;height:44%}
.ab-member-info{background:var(--card);border-radius:12px;margin:-34px 8px 0;position:relative;padding:16px 12px 14px;text-align:center;box-shadow:0 8px 22px rgba(16,40,80,.08)}
.ab-member-info b{display:block;font-size:17px;font-weight:700;color:var(--navy)}
.ab-member-info span{display:block;font-size:13.5px;color:var(--muted);margin-top:2px}
.ab-social{display:flex;justify-content:center;gap:10px;margin-top:12px}
.ab-social a{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;border:1px solid var(--line);transition:.2s}
.ab-social .li{color:var(--blue)}
.ab-social .mail{color:var(--orange)}
.ab-social .li:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.ab-social .mail:hover{background:var(--orange);color:#fff;border-color:var(--orange)}

@media(max-width:980px){ .ab-team{grid-template-columns:1fr 1fr} }
@media(max-width:620px){
  /* team: exactly 2 in view, swipe for the rest */
  .ab-team{display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding-bottom:14px}
  .ab-member{flex:0 0 calc(50% - 7px);scroll-snap-align:start;padding:10px 10px 14px}
  .ab-photo{aspect-ratio:1/1}
  .ab-member-info{margin:-26px 4px 0;padding:12px 8px 12px}
  .ab-member-info b{font-size:15px}
  .ab-member-info span{font-size:12px}
  .ab-team::-webkit-scrollbar{height:6px}
  .ab-team::-webkit-scrollbar-thumb{background:#cfd9e8;border-radius:3px}
}

/* ================= EMI Calculator page ================= */
.emi-hero{position:relative;padding:88px 0 150px;overflow:hidden;
  background:#f2f6fc url("img/emi-hero.webp") right center/cover no-repeat}
.emi-hero .wrap-full{position:relative;z-index:2}
.emi-hero h1{font-size:clamp(28px,3.4vw,44px);line-height:1.15;font-weight:800;color:var(--navy)}
.emi-hero h1 .o{color:var(--orange)}
.emi-rule{display:block;width:54px;height:3px;background:var(--orange);border-radius:3px;margin:18px 0 16px}
.emi-sub{color:var(--muted);font-size:15px;max-width:32em}

.emi-wrap{display:grid;grid-template-columns:1fr 1.35fr;gap:24px;margin-top:-90px;position:relative;z-index:3;padding-bottom:8px}
.emi-card{background:var(--card);border-radius:16px;box-shadow:var(--shadow-lg);padding:26px 24px}
.emi-card h3,.emi-card h2,.emi-out-top h3,.emi-out-top h2{font-size:19px;font-weight:700;margin-bottom:18px}
.emi-card h3,.emi-card h2{color:var(--navy)}
.emi-card label{display:block;font-size:13px;color:var(--muted);margin:16px 0 6px}
.emi-inp{display:flex;align-items:center;border:1px solid var(--line);border-radius:9px;overflow:hidden;background:#fbfcfe}
.emi-inp input{flex:1;min-width:0;border:0;background:transparent;padding:12px 12px;font-family:inherit;font-size:15px;color:var(--ink)}
.emi-inp input:focus{outline:none}
.emi-inp:focus-within{border-color:var(--orange)}
.emi-inp .pre{padding:0 4px 0 12px;color:var(--muted)}
.emi-inp .suf{padding:12px 14px;color:var(--muted);border-left:1px solid var(--line)}
.emi-inp select{border:0;border-left:1px solid var(--line);background:#fff;padding:12px 10px;font-family:inherit;font-size:14px;color:var(--ink)}
.emi-range{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:5px;margin:12px 0 4px;
  background:linear-gradient(var(--orange),var(--orange)) no-repeat,#e7ecf4;background-size:var(--fill,0%) 100%}
.emi-range::-webkit-slider-thumb{-webkit-appearance:none;width:16px;height:16px;border-radius:50%;background:var(--orange);border:3px solid #fff;box-shadow:0 1px 5px rgba(0,0,0,.3);cursor:pointer}
.emi-range::-moz-range-thumb{width:14px;height:14px;border:3px solid #fff;border-radius:50%;background:var(--orange);cursor:pointer}
.emi-minmax{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}

.emi-out{background:var(--card);border-radius:16px;box-shadow:var(--shadow-lg);overflow:hidden;display:flex;flex-direction:column}
.emi-out-top{background:var(--navy);color:#fff;padding:24px}
.emi-head{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:18px}
.emi-head span{font-size:14px;color:rgba(255,255,255,.8)}
.emi-head b{font-size:clamp(26px,3vw,34px);font-weight:800;color:var(--orange)}
.emi-mini{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.emi-mini>div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:12px 10px;text-align:center;color:#9fc0ea}
.emi-mini span{display:block;font-size:11.5px;color:rgba(255,255,255,.72);margin:6px 0 4px}
.emi-mini b{font-size:14.5px;color:#fff}
.emi-out-bottom{padding:22px 24px 24px}
.emi-out-bottom h4,.emi-out-bottom h3{font-size:16px;color:var(--navy);font-weight:700;margin-bottom:14px}
.emi-break{display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:center}
.emi-donut{width:150px;height:150px;transform:rotate(-90deg)}
.emi-legend{list-style:none;display:grid;gap:16px;margin:0}
.emi-legend li{display:flex;gap:10px;align-items:flex-start}
.emi-legend i{width:11px;height:11px;border-radius:50%;margin-top:5px;flex:none}
.emi-legend b{display:block;font-size:14.5px;color:var(--ink)}
.emi-legend span{font-size:13.5px;color:var(--muted)}
.emi-apply{display:flex;align-items:center;gap:14px;background:#eff5fd;border-radius:12px;padding:14px 16px;margin-top:20px}
.emi-apply .ic{width:38px;height:38px;border-radius:9px;background:#fff;color:var(--orange);display:grid;place-items:center;flex:none}
.emi-apply p{flex:1;font-size:13.5px;color:var(--ink)}
.emi-apply-btn{background:#fff;border:1px solid var(--orange);color:var(--orange);white-space:nowrap}
.emi-apply-btn:hover{background:var(--orange);color:#fff}

.emi-steps{display:flex;align-items:flex-start;justify-content:center;gap:8px;margin-top:28px}
.emi-step{flex:1;max-width:230px;text-align:center}
.emi-step .ring{width:64px;height:64px;border-radius:50%;background:#fdeae1;color:var(--orange);display:grid;place-items:center;margin:0 auto 12px}
.emi-step b{display:block;font-size:15px;color:var(--navy)}
.emi-step p{font-size:13px;color:var(--muted);margin-top:6px}
.emi-arrow{color:#c3ceda;font-size:20px;margin-top:24px}
.emi-perks{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:28px}
.emi-perk{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:26px 20px;text-align:center}
.emi-perk .ring{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;margin:0 auto 14px}
.emi-perk b{display:block;font-size:15.5px;color:var(--navy);margin-bottom:6px}
.emi-perk p{font-size:13.5px;color:var(--muted)}

.emi-cta{display:flex;align-items:center;gap:20px;border-radius:16px;padding:26px 28px;color:#fff;box-shadow:var(--shadow-lg);
  background:linear-gradient(100deg,var(--navy) 0%,var(--navy) 55%,#b23d06 78%,var(--orange) 100%)}
.emi-cta .ic{width:64px;height:64px;border-radius:50%;border:2px solid rgba(255,255,255,.45);display:grid;place-items:center;flex:none}
.emi-cta h3{font-size:clamp(18px,2vw,24px);font-weight:800}
.emi-cta p{font-size:14px;opacity:.9}
.emi-cta .btn{margin-left:auto;background:#fff;color:var(--orange);white-space:nowrap}
.emi-cta .btn:hover{background:#fff5e9}

@media(max-width:980px){
  .emi-hero{padding:56px 0 calc(53vw + 96px);background-size:100% auto;background-position:center bottom}
  .emi-wrap{grid-template-columns:1fr;margin-top:-70px}
  .emi-mini{grid-template-columns:1fr 1fr}
  .emi-steps{flex-wrap:wrap;gap:22px}
  .emi-step{flex:0 0 44%;max-width:none}
  .emi-arrow{display:none}
  .emi-perks{grid-template-columns:1fr 1fr}
  .emi-cta{flex-direction:column;text-align:center}
  .emi-cta .btn{margin:4px auto 0}
}
@media(max-width:620px){
  .emi-apply{flex-wrap:wrap}
  .emi-apply p{flex:1 1 100%;order:2}
  .emi-apply .emi-apply-btn{order:3;margin-left:48px}
  .emi-break{grid-template-columns:1fr;justify-items:center;text-align:left}
  .emi-perks{grid-template-columns:1fr}
  .emi-step{flex:0 0 100%}
}

/* ================= Eligibility page ================= */
.el-hero{position:relative;padding:72px 0 64px;overflow:hidden;
  background:#f2f6fc url("img/eligibility-hero.webp") right center/cover no-repeat}
.el-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) 420px minmax(0,.5fr);gap:34px;align-items:start}
.el-hero h1{font-size:clamp(28px,3.3vw,42px);line-height:1.15;font-weight:800;color:var(--navy)}
.el-hero h1 .o{color:var(--orange)}
.el-badges{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px;max-width:520px}
.el-badge{text-align:center}
.el-badge .ring{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;margin:0 auto 8px}
.el-badge .ring.blue{background:#e7f0fd;color:var(--blue)}
.el-badge .ring.orange{background:#fdeae1;color:var(--orange)}
.el-badge b{display:block;font-size:13.5px;color:var(--navy)}
.el-badge>span{display:block;font-size:11.5px;color:var(--muted);line-height:1.35;margin-top:3px}
.el-form{width:100%}
.el-form .two select{font-size:13px;padding-right:30px}
@media(max-width:1240px){ .el-hero-grid{grid-template-columns:minmax(0,1fr) 380px minmax(0,.22fr);gap:24px} }
.el-consent{display:flex;gap:9px;align-items:flex-start;font-size:12.5px;color:var(--muted);margin:4px 0 14px}
.el-consent input{margin-top:2px;accent-color:var(--orange)}
.el-consent a{color:var(--orange);text-decoration:underline}

.el-criteria{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:28px}
.el-crit{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:24px 16px;text-align:center}
.el-crit .ring{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;margin:0 auto 14px}
.el-crit .ring.blue{background:#e7f0fd;color:var(--blue)}
.el-crit .ring.orange{background:#fdeae1;color:var(--orange)}
.el-crit b{display:block;font-size:15px;color:var(--navy);margin-bottom:8px}
.el-crit p{font-size:13px;color:var(--muted);line-height:1.5}

.el-note{display:grid;grid-template-columns:auto 1fr auto;gap:20px;align-items:center;margin-top:22px;
  background:#eff5fd;border-radius:14px;padding:22px 26px;overflow:hidden}
.el-note .ic{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center}
.el-note b{display:block;font-size:16px;color:var(--navy);margin-bottom:4px}
.el-note p{font-size:13.5px;color:var(--muted)}
.el-gauge{width:230px;height:124px;margin-bottom:-26px}

.el-options{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:28px}
.el-option{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:24px 16px;text-align:center}
.el-option .ring{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;margin:0 auto 12px}
.el-option .ring.blue{background:#e7f0fd;color:var(--blue)}
.el-option .ring.orange{background:#fdeae1;color:var(--orange)}
.el-option b{display:block;font-size:14.5px;color:var(--navy)}
.el-option .upto{display:block;font-size:12px;color:var(--muted);margin-top:10px}
.el-option strong{display:block;font-size:18px;font-weight:800;margin-bottom:14px}
.el-option strong.blue{color:var(--blue)}
.el-option strong.orange{color:var(--orange)}
.el-apply{display:inline-flex;align-items:center;gap:7px;font-size:13.5px;font-weight:600;padding:9px 16px;border-radius:8px;transition:.2s;background:#fff}
.el-apply.blue{border:1px solid var(--blue);color:var(--blue)}
.el-apply.blue:hover{background:var(--blue);color:#fff}
.el-apply.orange{border:1px solid var(--orange);color:var(--orange)}
.el-apply.orange:hover{background:var(--orange);color:#fff}

@media(max-width:1180px){
  .el-criteria,.el-options{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:980px){
  .el-hero{padding:52px 0 calc(48vw + 20px);background-size:100% auto;background-position:center bottom}
  .el-badges{max-width:none}
  .el-hero-grid{grid-template-columns:1fr}
  .el-note{grid-template-columns:auto 1fr;text-align:left}
  .el-gauge{grid-column:1/-1;justify-self:center;margin-bottom:0;width:min(280px,86vw);height:auto}
}
@media(max-width:620px){
  .el-criteria,.el-options{grid-template-columns:1fr 1fr}
  .el-badges{grid-template-columns:1fr 1fr}
}

/* ================= Services / loan archive ================= */
.sv-hero{position:relative;padding:80px 0 96px;overflow:hidden;
  background:#f2f6fc url("img/services-hero.webp") right center/cover no-repeat}
.sv-hero .wrap-full{position:relative;z-index:2}
.sv-hero h1{font-size:clamp(28px,3.4vw,44px);line-height:1.15;font-weight:800;color:var(--navy)}
.sv-hero h1 .o{color:var(--orange)}
.sv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:30px}
.sv-card{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);
  padding:26px 20px;text-align:center;display:flex;flex-direction:column;align-items:center;transition:.2s}
.sv-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.sv-card .ring{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;margin-bottom:14px}
.sv-card .ring.blue{background:#e7f0fd;color:var(--blue)}
.sv-card .ring.orange{background:#fdeae1;color:var(--orange)}
.sv-card b{font-size:15.5px;color:var(--navy);margin-bottom:8px}
.sv-card p{font-size:13px;color:var(--muted);line-height:1.55;margin-bottom:16px}
.sv-card .el-apply{margin-top:auto}

.sv-benefits{background:#f7fafd;border:1px solid var(--line);border-radius:16px;padding:32px 26px}
.sv-ben-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:0;margin-top:24px}
.sv-ben{text-align:center;padding:0 14px}
.sv-ben:not(:last-child){border-right:1px solid var(--line)}
.sv-ben .ring{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;margin:0 auto 12px}
.sv-ben .ring.blue{background:#e7f0fd;color:var(--blue)}
.sv-ben .ring.orange{background:#fdeae1;color:var(--orange)}
.sv-ben b{display:block;font-size:14px;color:var(--navy);margin-bottom:5px}
.sv-ben p{font-size:12.5px;color:var(--muted);line-height:1.45}

@media(max-width:1180px){ .sv-grid{grid-template-columns:repeat(3,1fr)} .sv-ben-grid{grid-template-columns:repeat(3,1fr);gap:26px 0} .sv-ben:nth-child(3n){border-right:0} }
@media(max-width:980px){
  .sv-hero{padding:56px 0 calc(44vw + 24px);background-size:100% auto;background-position:center bottom}
  .sv-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){ .sv-grid{grid-template-columns:1fr} .sv-ben-grid{grid-template-columns:1fr 1fr} .sv-ben{border-right:0!important} }

/* ================= Portfolio page ================= */
.pf-hero{position:relative;padding:96px 0 108px;overflow:hidden;color:#fff;
  background:#0E3A6B url("img/portfolio-hero.webp") center right/cover no-repeat}
.pf-hero::before{content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(9,30,58,.93) 0%,rgba(9,30,58,.82) 38%,rgba(9,30,58,.15) 68%,rgba(9,30,58,0) 100%)}
.pf-hero-in{position:relative;z-index:2;max-width:640px}
.pf-hero h1{font-size:clamp(28px,3.4vw,44px);line-height:1.14;font-weight:800}
.pf-hero h1 .o{color:var(--orange)}
.pf-hero p{font-size:15.5px;color:rgba(255,255,255,.88);max-width:34em;margin-bottom:24px}

.pf-grid{display:grid;grid-template-columns:1fr 320px;gap:36px;align-items:start}
.pf-body{color:var(--ink)}
.pf-body p{margin-bottom:14px;color:var(--muted);font-size:15px}
.pf-body h2{font-size:22px;color:var(--navy);margin:26px 0 10px}
.pf-body ul{padding-left:20px;margin-bottom:14px}
.pf-body li{margin-bottom:8px;color:var(--muted);font-size:14.5px}
.pf-side{background:#f7fafd;border:1px solid var(--line);border-radius:14px;padding:24px 22px}
.pf-side h3{font-size:16px;color:var(--navy);font-weight:700;margin-bottom:14px}
.pf-side ul{list-style:none;display:grid;gap:10px;margin-bottom:18px}
.pf-side li{display:flex;gap:9px;align-items:center;font-size:14.5px}
.pf-side svg{color:var(--orange);flex:none}
.pf-side a:hover{color:var(--orange)}

@media(max-width:980px){
  .pf-hero{padding:56px 0 64px;background-position:34% 22%}
  .pf-hero::before{background:linear-gradient(180deg,rgba(9,30,58,.92),rgba(9,30,58,.78))}
  .pf-grid{grid-template-columns:1fr}
}

/* ================= Career page ================= */
.cr-hero{position:relative;padding:74px 0 62px;overflow:hidden;
  background:#f2f6fc url("img/career-hero.webp") right center/cover no-repeat}
.cr-hero-in{position:relative;z-index:2;max-width:620px}
.cr-hero h1{font-size:clamp(28px,3.4vw,42px);line-height:1.15;font-weight:800;color:var(--navy)}
.cr-hero h1 .o{color:var(--orange)}
.cr-why{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-top:28px}
.cr-why .el-crit{padding:22px 12px}
.cr-why .el-crit b{font-size:14px}
.cr-why .el-crit p{font-size:12.5px}

.cr-jobs{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);margin-top:26px;overflow:hidden}
.cr-table-scroll{overflow-x:auto}
.cr-table{width:100%;border-collapse:collapse;min-width:760px}
.cr-table th{background:var(--navy);color:#fff;font-size:13px;font-weight:600;text-align:left;padding:14px 16px}
.cr-table td{padding:13px 16px;font-size:13.5px;color:var(--muted);border-bottom:1px solid var(--line)}
.cr-table td.job{color:var(--navy);font-weight:700}
.cr-table tr:hover td{background:#f8fbff}

.cr-split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cr-panel{background:#f7fafd;border:1px solid var(--line);border-radius:16px;padding:28px 26px}
.cr-panel h3{font-size:20px;color:var(--navy);font-weight:700}
.cr-panel h3 .u{display:block;width:48px;height:3px;background:var(--orange);margin:10px 0 14px;border-radius:3px}
.cr-panel>p{font-size:14px;color:var(--muted);margin-bottom:20px}
.cr-form .field{position:relative;margin-bottom:12px}
.cr-form .fic{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--orange);display:grid;place-items:center}
.cr-form input[type=text],.cr-form input[type=email],.cr-form input[type=tel]{width:100%;padding:13px 13px 13px 42px;border:1px solid var(--line);border-radius:9px;background:#fff;font-family:inherit;font-size:14.5px;color:var(--ink)}
.cr-form input:focus{outline:none;border-color:var(--orange)}
.cr-form select{width:100%;padding:13px 34px 13px 42px;border:1px solid var(--line);border-radius:9px;background:#fff;font-family:inherit;font-size:14.5px;color:var(--ink)}
.cr-form select:focus{outline:none;border-color:var(--orange)}
.cr-file{position:relative;display:flex;flex-wrap:wrap;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:9px;padding:10px 10px 10px 42px;margin-bottom:12px;cursor:pointer}
.cr-file .fic{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--orange);display:grid;place-items:center}
.cr-file-name{flex:1;min-width:0;font-size:13.5px;color:var(--muted);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.cr-file-btn{font-size:13px;font-weight:600;color:var(--navy);background:#eef3fa;border:1px solid var(--line);border-radius:7px;padding:7px 12px;white-space:nowrap}
.cr-file input[type=file]{position:absolute;inset:0;opacity:0;cursor:pointer}

.cr-life{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.cr-life>div{text-align:center;padding:16px 10px}
.cr-life>div:not(:nth-child(3n)){border-right:1px solid var(--line)}
.cr-life>div:nth-child(-n+3){border-bottom:1px solid var(--line)}
.cr-life .ring{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;margin:0 auto 10px}
.cr-life .ring.blue{background:#e7f0fd;color:var(--blue)}
.cr-life .ring.orange{background:#fdeae1;color:var(--orange)}
.cr-life b{font-size:13.5px;color:var(--navy);line-height:1.3;display:block}

.cr-voices{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:26px}
.cr-voice{position:relative;display:flex;gap:16px;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:22px 20px}
.cr-voice .pic{width:62px;height:62px;flex:none;border-radius:50%;background:#eef2f8;color:#8fa3bd;display:grid;place-items:center}
.cr-voice .stars{color:var(--star);letter-spacing:2px;font-size:14px}
.cr-voice p{font-size:14px;color:var(--ink);margin:8px 0 12px}
.cr-voice b{display:block;font-size:14.5px;color:var(--navy)}
.cr-voice>div>span{font-size:12.5px;color:var(--muted)}
.cr-voice .q{position:absolute;top:14px;right:18px;font-size:40px;line-height:1;color:#dbe6f4;font-style:normal}
.cr-cta{background:linear-gradient(100deg,var(--navy) 0%,#123E74 62%,#b23d06 88%,var(--orange) 100%)}

@media(max-width:1180px){ .cr-why{grid-template-columns:repeat(3,1fr)} }
@media(max-width:980px){
  .cr-hero{padding:52px 0 calc(47vw + 20px);background-size:100% auto;background-position:center bottom}
  .cr-split,.cr-voices{grid-template-columns:1fr}
}
@media(max-width:620px){
  .cr-why{grid-template-columns:1fr 1fr}
  .cr-life{grid-template-columns:1fr 1fr}
  .cr-life>div{border:0!important;border-bottom:1px solid var(--line)!important}
}

/* ================= Contact page ================= */
.ct-hero{position:relative;padding:74px 0 58px;overflow:hidden;
  background:#f2f6fc url("img/contact-hero.webp") right center/cover no-repeat}
.ct-hero-in{position:relative;z-index:2;max-width:620px}
.ct-hero h1{font-size:clamp(28px,3.4vw,42px);line-height:1.15;font-weight:800;color:var(--navy)}
.ct-hero h1 .o{color:var(--orange)}
.ct-badges{grid-template-columns:repeat(3,1fr);max-width:430px}

.ct-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.ct-card{background:var(--card);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:28px 26px}
.ct-card h3,.ct-card h2,.ct-h{font-size:20px;color:var(--navy);font-weight:700}
.ct-card h3 .u,.ct-card h2 .u,.ct-h .u{display:block;width:48px;height:3px;background:var(--orange);margin:10px 0 20px;border-radius:3px}
.ct-msg .fic{top:20px;transform:none}
.ct-msg textarea{width:100%;padding:13px 13px 13px 42px;border:1px solid var(--line);border-radius:9px;background:#fff;
  font-family:inherit;font-size:14.5px;color:var(--ink);resize:vertical;min-height:110px}
.ct-msg textarea:focus{outline:none;border-color:var(--orange)}
.ct-lbl{display:block;font-size:13px;font-weight:600;color:var(--ink);margin:6px 0 7px}
.ct-hint{font-size:12px;color:var(--muted);margin:-4px 0 12px}

.ct-touch{display:grid;gap:14px}
.ct-item{display:flex;gap:15px;align-items:flex-start;background:var(--card);border:1px solid var(--line);
  border-radius:14px;box-shadow:var(--shadow);padding:20px 20px}
.ct-item .ring{width:46px;height:46px;flex:none;border-radius:50%;background:#e7f0fd;color:var(--blue);display:grid;place-items:center}
.ct-item b{display:block;font-size:15px;color:var(--navy);margin-bottom:3px}
.ct-item .hi{display:block;font-size:15px;font-weight:700;color:var(--orange);margin-bottom:3px}
.ct-item .hi:hover{text-decoration:underline}
.ct-item span{display:block;font-size:12.5px;color:var(--muted);line-height:1.5}
.ct-item .addr{font-size:13.5px;color:var(--ink)}


.ct-map{position:relative;border-radius:16px;overflow:hidden;box-shadow:var(--shadow);background:#e8edf5}
.ct-map iframe{width:100%;height:300px;border:0;display:block}
.ct-map-card{position:absolute;top:18px;left:18px;max-width:270px;background:rgba(255,255,255,.96);
  border-radius:12px;padding:16px 18px;box-shadow:var(--shadow-lg)}
.ct-map-card b{display:block;font-size:14.5px;color:var(--navy);margin-bottom:5px}
.ct-map-card p{font-size:12.5px;color:var(--muted);line-height:1.55;margin-bottom:7px}
.ct-map-card a{font-size:12.5px;color:var(--blue);text-decoration:underline}

@media(max-width:980px){
  .ct-hero{padding:52px 0 calc(50vw + 20px);background-size:100% auto;background-position:center bottom}
  .ct-grid{grid-template-columns:1fr}
  .ct-badges{max-width:none}
}
@media(max-width:560px){
  .ct-map-card{position:static;max-width:none;border-radius:0;box-shadow:none;background:#fff}
}

@media(max-width:700px){
  .cr-table{min-width:0}
  .cr-table thead{display:none}
  .cr-table tbody tr{display:block;padding:14px 16px;border-bottom:1px solid var(--line)}
  .cr-table tbody tr:hover td{background:transparent}
  .cr-table td{display:flex;justify-content:space-between;align-items:center;gap:14px;border:0;padding:4px 0}
  .cr-table td::before{content:attr(data-label);font-weight:600;color:var(--navy);font-size:12.5px}
  .cr-table td.job{font-size:15.5px;padding-bottom:8px}
  .cr-table td.job::before{display:none}
  .cr-table td[data-label=""]{padding-top:10px;justify-content:flex-start}
}

/* ---- hero legibility: light scrim on the text side of every page hero ---- */
.el-hero::before,.emi-hero::before,.sv-hero::before,.cr-hero::before,.ct-hero::before,.ld-hero::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(100deg,rgba(255,255,255,.96) 0%,rgba(255,255,255,.86) 34%,rgba(255,255,255,.35) 52%,rgba(255,255,255,0) 66%)}
@media(max-width:980px){
  /* the photo sits as a band at the bottom on phones — fade downwards, not sideways */
  .ab-hero::before,.el-hero::before,.emi-hero::before,.sv-hero::before,.cr-hero::before,.ct-hero::before,.ld-hero::before{
    background:linear-gradient(180deg,rgba(255,255,255,.96) 0%,rgba(255,255,255,.9) 55%,rgba(255,255,255,0) 100%)}
}

/* `class="wrap-full xx-hero-in"` inherited wrap-full's auto margins, so a 620px
   cap centred the hero text over the photo. Cap the children instead. */
.cr-hero-in,.ct-hero-in,.pf-hero-in{max-width:1500px}
.cr-hero-in>*,.ct-hero-in>*,.pf-hero-in>*{max-width:620px}
@media(max-width:980px){ .cr-hero-in>*,.ct-hero-in>*,.pf-hero-in>*{max-width:none} }

/* ================= Single loan / service page ================= */
.ld-hero{position:relative;padding:56px 0 52px;overflow:hidden;
  background:#f2f6fc url("img/services-hero.webp") right center/cover no-repeat}
.ld-hero-in{position:relative;z-index:2}
.ld-hero-in>*{max-width:660px}
.ld-hero-in>.ld-facts{max-width:700px}
.ld-crumb{font-size:12.5px;color:var(--muted);margin-bottom:12px}
.ld-crumb a:hover{color:var(--orange)}
.ld-head{display:flex;gap:16px;align-items:center}
.ld-head img{width:74px;height:74px;border-radius:50%;object-fit:cover;flex:none;border:3px solid #fff;box-shadow:var(--shadow)}
.ld-head .ring{width:70px;height:70px;flex:none;border-radius:50%;display:grid;place-items:center;background:#fdeae1;color:var(--orange)}
.ld-hero h1{font-size:clamp(26px,3.2vw,40px);line-height:1.15;font-weight:800;color:var(--navy)}
.ld-hero h1 .o{color:var(--orange)}
.ld-hero .lead{font-size:15px;color:var(--muted);margin-top:14px}
.ld-facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}
.ld-fact{background:rgba(255,255,255,.9);border:1px solid var(--line);border-radius:12px;padding:11px 14px}
.ld-fact span{display:block;font-size:11.5px;color:var(--muted)}
.ld-fact b{font-size:14.5px;color:var(--navy)}
.ld-cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.ld-disc{font-size:11.5px;color:var(--muted);margin-top:14px}

.ld-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.8fr);gap:26px;align-items:start}
.ld-block{background:var(--card);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:26px 24px;margin-bottom:22px}
.ld-block h2{font-size:20px;color:var(--navy);font-weight:700}
.ld-block h2 .u{display:block;width:48px;height:3px;background:var(--orange);margin:10px 0 18px;border-radius:3px}
.ld-block p{font-size:14.5px;color:var(--muted);line-height:1.65}
.ld-block p+p{margin-top:12px}
.ld-block>ul:not(.ld-list),.ld-block>ol{margin:12px 0 0 20px;font-size:14.5px;color:var(--muted)}
.ld-feats{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.ld-feat{display:flex;gap:12px}
.ld-feat .ring{width:42px;height:42px;flex:none;border-radius:50%;display:grid;place-items:center;background:#e7f0fd;color:var(--blue)}
.ld-feat .ring.orange{background:#fdeae1;color:var(--orange)}
.ld-feat b{display:block;font-size:14.5px;color:var(--navy);margin-bottom:3px}
.ld-feat p{font-size:13px;line-height:1.55}
.ld-list{display:grid;grid-template-columns:1fr 1fr;gap:11px 24px;list-style:none}
.ld-list li{display:flex;gap:10px;font-size:13.5px;color:var(--ink);line-height:1.5}
.ld-list li svg{flex:none;color:var(--orange);margin-top:3px}
.ld-note{display:flex;gap:10px;background:#eff5fd;border-radius:12px;padding:14px 16px;margin-top:18px;font-size:13px;color:var(--muted);line-height:1.55}
.ld-note svg{flex:none;color:var(--navy);margin-top:2px}
.ld-note a{color:var(--orange);text-decoration:underline}
.ld-form h3{font-size:19px}
.ld-form-sub{font-size:13px;color:var(--muted);margin:-10px 0 16px;line-height:1.55}
.ld-qa{max-width:900px;margin:24px auto 0}

@media(max-width:1180px){ .ld-grid{grid-template-columns:minmax(0,1fr) minmax(0,340px)} }
@media(max-width:980px){
  .ld-hero{padding:44px 0 calc(55vw + 18px);background-size:100% auto;background-position:center bottom}
  .ld-hero-in>*{max-width:none}
  .ld-grid{grid-template-columns:1fr}
}
@media(max-width:620px){
  .ld-facts{grid-template-columns:1fr 1fr;gap:10px}
  .ld-feats,.ld-list{grid-template-columns:1fr}
  .ld-block{padding:22px 18px}
  .ld-head img,.ld-head .ring{width:56px;height:56px}
  .ld-cta-row .btn{flex:1 1 100%;justify-content:center}
}

/* Why Choose Us reuses the services hero — only the art and its taller crop differ */
.wcu-hero{background-image:url("img/why-hero.webp");padding:104px 0 122px}
@media(max-width:980px){ .wcu-hero{padding:56px 0 calc(53vw + 24px)} }

/* ================= Blog index (home.php) ================= */
.bl-hero{position:relative;padding:78px 0 180px;overflow:hidden;
  background:#eef3fa url("img/blog/hero.webp") right center/cover no-repeat}
.bl-hero::before{content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(238,243,250,.97) 0%,rgba(238,243,250,.9) 34%,rgba(238,243,250,.1) 66%,rgba(238,243,250,0) 100%)}
.bl-hero-in{position:relative;z-index:2;max-width:560px;margin:0;text-align:left}
.bl-hero h1{font-size:clamp(30px,3.6vw,44px);line-height:1.12;font-weight:800;color:var(--navy)}
.bl-hero h1 .o{color:var(--orange)}
.bl-hero p{margin:14px 0 22px;color:#4a5a75;font-size:15px;max-width:34em}

.bl-feat-wrap{margin-top:-130px;position:relative;z-index:3;padding:0 20px}
.bl-feat{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:0;background:var(--card);
  border-radius:16px;overflow:hidden;box-shadow:var(--shadow-lg)}
.bl-feat-img{display:block;margin:14px 0 14px 14px;border-radius:12px;overflow:hidden}
.bl-feat-img img{width:100%;height:100%;object-fit:cover;display:block;aspect-ratio:16/10}
.bl-feat-body{padding:26px 30px 26px 26px;display:flex;flex-direction:column;justify-content:center}
.bl-kicker{font-size:11.5px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;color:var(--orange)}
.bl-feat-body h2{font-size:clamp(20px,1.9vw,27px);line-height:1.22;font-weight:800;color:var(--navy);margin:8px 0 0}
.bl-feat-body h2 a:hover{color:var(--orange)}
.bl-rule{display:block;width:56px;height:3px;background:var(--orange);border-radius:3px;margin:12px 0}
.bl-feat-body p{color:var(--muted);font-size:14px;line-height:1.6}
.bl-feat-foot{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:16px}
.bl-meta{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;color:var(--muted)}
.bl-feat-foot .btn{margin-left:auto;padding:10px 20px;font-size:14px}

.bl-pills{display:flex;gap:10px;overflow-x:auto;padding:26px 0 4px;scroll-snap-type:x proximity}
.bl-pills::-webkit-scrollbar{height:5px}
.bl-pills::-webkit-scrollbar-thumb{background:#cfd9e8;border-radius:3px}
.bl-pill{flex:0 0 auto;scroll-snap-align:start;display:inline-flex;align-items:center;gap:7px;
  background:var(--card);border:1px solid var(--line);border-radius:9px;padding:9px 15px;
  font-size:13.5px;font-weight:600;color:#33405c;transition:.2s}
.bl-pill:hover{border-color:var(--orange);color:var(--orange)}
.bl-pill.active{background:var(--navy);border-color:var(--navy);color:#fff}

.bl-sec{padding:34px 0 0}
.bl-h2{font-size:22px;font-weight:800;color:var(--navy);margin-bottom:6px;position:relative;padding-bottom:9px}
.bl-h2::after{content:"";position:absolute;left:0;bottom:0;width:48px;height:3px;background:var(--orange);border-radius:3px}
.bl-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:22px}
.bl-card{background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden;
  box-shadow:0 6px 18px rgba(16,40,80,.05);transition:transform .3s ease,box-shadow .3s ease;display:flex;flex-direction:column}
.bl-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.bl-card-img{display:block;aspect-ratio:16/9;overflow:hidden;background:#eef3fa}
.bl-card-img img{width:100%;height:100%;object-fit:cover;display:block}
.bl-card-body{padding:15px 16px 14px;display:flex;flex-direction:column;flex:1}
.bl-tag{font-size:10.5px;font-weight:800;letter-spacing:.7px;text-transform:uppercase;color:var(--blue)}
.bl-card h3,.bl-card h2{font-size:15.5px;line-height:1.35;font-weight:700;color:var(--navy);margin:7px 0 0}
.bl-card h3 a:hover,.bl-card h2 a:hover{color:var(--orange)}
.bl-card-foot{display:flex;align-items:center;justify-content:space-between;gap:10px;
  margin-top:auto;padding-top:13px;border-top:1px solid var(--line)}
.bl-read{display:inline-flex;align-items:center;gap:5px;font-size:12px;color:var(--muted)}
.bl-more{font-size:12.5px;font-weight:700;color:var(--orange);white-space:nowrap}
.bl-more:hover span{margin-left:3px;display:inline-block;transition:.2s}
.bl-center{text-align:center;margin-top:26px}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--orange);color:#fff}

.bl-pcats{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-top:22px}
.bl-pcat{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px 12px;
  text-align:center;transition:.25s;box-shadow:0 4px 14px rgba(16,40,80,.04)}
.bl-pcat:hover{transform:translateY(-3px);border-color:var(--orange);box-shadow:var(--shadow)}
.bl-pcat-ic{width:54px;height:54px;border-radius:50%;background:#eef3fa;color:var(--navy);
  display:grid;place-items:center;margin:0 auto 11px}
.bl-pcat:hover .bl-pcat-ic{background:var(--orange);color:#fff}
.bl-pcat b{display:block;font-size:13.5px;color:var(--navy);line-height:1.3}
.bl-pcat span{display:block;font-size:11.5px;color:var(--muted);margin-top:3px}

.bl-tools{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:22px}
.bl-tool{display:flex;gap:13px;background:var(--card);border:1px solid var(--line);border-radius:12px;
  padding:16px;transition:.25s}
.bl-tool:hover{border-color:var(--orange);box-shadow:var(--shadow);transform:translateY(-3px)}
.bl-tool-ic{width:40px;height:40px;flex:none;border-radius:10px;display:grid;place-items:center}
.bl-tool-ic.blue{background:#e7f0ff;color:var(--blue)}
.bl-tool-ic.green{background:#e6f7ee;color:#1a8f57}
.bl-tool-ic.purple{background:#efeaff;color:#6b4fd8}
.bl-tool-ic.orange{background:#fff0e6;color:var(--orange)}
.bl-tool b{display:block;font-size:13.5px;color:var(--navy)}
.bl-tool p{font-size:12px;color:var(--muted);margin:3px 0 7px;line-height:1.45}

.bl-tips{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:22px}
.bl-tip{background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;transition:.25s}
.bl-tip:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.bl-tip img{width:100%;aspect-ratio:16/10;object-fit:cover;display:block}
.bl-tip b{display:block;padding:11px 12px 13px;font-size:13px;line-height:1.35;color:var(--navy);font-weight:700}
.bl-tip:hover b{color:var(--orange)}


.bl-news{display:flex;align-items:center;gap:22px;flex-wrap:wrap;background:linear-gradient(120deg,var(--navy),#143f78);
  border-radius:16px;padding:26px 30px;color:#fff}
.bl-news-ic{width:64px;height:64px;flex:none;border-radius:14px;background:rgba(255,255,255,.12);display:grid;place-items:center}
.bl-news-copy{flex:1;min-width:220px}
.bl-news-copy b{display:block;font-size:19px;font-weight:800}
.bl-news-copy p{font-size:13.5px;color:rgba(255,255,255,.82);margin-top:4px;max-width:40em}
.bl-news-form{display:flex;border-radius:9px;overflow:hidden;background:#fff;min-width:min(100%,360px)}
.bl-news-form input[type=email]{flex:1;min-width:0;border:0;padding:12px 15px;font-family:inherit;font-size:14px;color:var(--ink)}
.bl-news-form input[type=email]:focus{outline:2px solid var(--orange);outline-offset:-2px}
.bl-news-form .btn{border-radius:0;padding:12px 22px;font-size:14px}

.bl-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 22px;margin-top:22px;align-items:start}
.bl-help{display:flex;align-items:center;gap:12px;background:var(--card);border:1px solid var(--line);
  border-radius:12px;padding:15px 16px;margin-top:14px}
.bl-help>span{width:42px;height:42px;flex:none;border-radius:50%;background:#eef3fa;color:var(--navy);display:grid;place-items:center}
.bl-help b{display:block;font-size:14px;color:var(--navy)}
.bl-help p{font-size:12.5px;color:var(--muted)}
.bl-help .btn{margin-left:auto;padding:9px 16px;font-size:13px;white-space:nowrap}

.bl-cta{background:linear-gradient(120deg,var(--navy),#143f78);color:#fff}
.bl-cta-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px}
.bl-cta .btn-outline{border-color:#fff;color:#fff}
.bl-cta .btn-outline:hover{background:#fff;color:var(--navy)}

@media(max-width:1180px){
  .bl-grid{grid-template-columns:1fr 1fr}
  .bl-pcats{grid-template-columns:repeat(3,1fr)}
  .bl-tools{grid-template-columns:1fr 1fr}
  .bl-tips{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:900px){
  .bl-hero{padding-bottom:150px}
  .bl-feat{grid-template-columns:1fr}
  .bl-feat-img{margin:14px 14px 0}
  .bl-feat-body{padding:20px 22px 24px}
  .bl-faq-grid{grid-template-columns:1fr}
}
@media(max-width:620px){
  .bl-hero{padding:44px 0 130px;background-position:72% center}
  .bl-feat-wrap{margin-top:-105px}
  .bl-grid,.bl-tools{grid-template-columns:1fr}
  .bl-pcats{grid-template-columns:1fr 1fr}
  .bl-tips{grid-template-columns:1fr 1fr}
  .bl-news{padding:20px}
  .bl-news-form{width:100%}
  .bl-feat-foot .btn{margin-left:0;width:100%;justify-content:center}
}
.post-wrap .post-hero{width:100%;border-radius:14px;margin:16px 0 22px;display:block;aspect-ratio:16/8;object-fit:cover}

/* ---------- Blog archive / search ---------- */
.bl-arch-hero{padding:44px 0 30px;background:linear-gradient(135deg,#f4f8fd,#eaf1fa);border-bottom:1px solid var(--line)}
.bl-arch-hero .ld-crumb{font-size:12.5px;color:var(--muted);margin-bottom:10px}
.bl-arch-hero .ld-crumb a:hover{color:var(--orange)}
.bl-arch-hero h1{font-size:clamp(26px,3vw,38px);line-height:1.15;font-weight:800;color:var(--navy)}
.bl-arch-hero h1 .o{color:var(--orange)}
.bl-arch-sub{color:var(--muted);font-size:14.5px;max-width:46em;margin-top:12px}
.bl-card-exc{font-size:12.8px;color:var(--muted);line-height:1.55;margin-top:7px}
.bl-pager{margin-top:28px}
.bl-pager .nav-links{display:flex;gap:8px;justify-content:center;flex-wrap:wrap}
.bl-pager .page-numbers{display:grid;place-items:center;min-width:38px;height:38px;padding:0 12px;
  border:1px solid var(--line);border-radius:9px;background:var(--card);color:#33405c;
  font-size:13.5px;font-weight:700;transition:.2s}
.bl-pager .page-numbers:hover{border-color:var(--orange);color:var(--orange)}
.bl-pager .page-numbers.current{background:var(--navy);border-color:var(--navy);color:#fff}
.bl-pager .screen-reader-text{position:absolute;left:-9999px}
.bl-empty{text-align:center;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:48px 22px}
.bl-empty b{display:block;font-size:19px;color:var(--navy);font-weight:800}
.bl-empty p{color:var(--muted);font-size:14px;margin:8px 0 18px}

/* ---------- Single article (single.php) ---------- */
.bl-post-hero{padding:40px 0 28px;background:linear-gradient(135deg,#f4f8fd,#e9f0fa);border-bottom:1px solid var(--line)}
.bl-post-hero .ld-crumb{font-size:12.5px;color:var(--muted);margin-bottom:12px}
.bl-post-hero .ld-crumb a:hover{color:var(--orange)}
.bl-post-hero h1{font-size:clamp(25px,3.1vw,39px);line-height:1.17;font-weight:800;color:var(--navy);max-width:24em;margin:10px 0 0}
.bl-tag-solid{display:inline-block;background:var(--orange);color:#fff;border-radius:6px;
  padding:5px 11px;font-size:10.5px;font-weight:800;letter-spacing:.7px;text-transform:uppercase}
.bl-post-meta{display:flex;gap:20px;flex-wrap:wrap;margin-top:16px}
.bl-post-meta span{display:inline-flex;align-items:center;gap:6px;font-size:12.8px;color:var(--muted)}

.bl-post-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:38px;padding:34px 20px 0;align-items:start}
.bl-article{min-width:0}
.bl-article-img{width:100%;border-radius:16px;display:block;aspect-ratio:16/8;object-fit:cover;box-shadow:var(--shadow)}
.bl-body{margin-top:26px;font-size:15.6px;line-height:1.75;color:#2b3a55}
.bl-body h2{font-size:22px;font-weight:800;color:var(--navy);margin:30px 0 10px;scroll-margin-top:110px;
  padding-left:14px;border-left:4px solid var(--orange)}
.bl-body p{margin-bottom:16px}
.bl-body ul,.bl-body ol{margin:0 0 18px 0;padding-left:0;list-style:none}
.bl-body ul li,.bl-body ol li{position:relative;padding-left:26px;margin-bottom:9px}
.bl-body ul li::before{content:"";position:absolute;left:6px;top:10px;width:7px;height:7px;
  border-radius:50%;background:var(--orange)}
.bl-body ol{counter-reset:blo}
.bl-body ol li{counter-increment:blo}
.bl-body ol li::before{content:counter(blo);position:absolute;left:0;top:2px;width:19px;height:19px;
  border-radius:50%;background:#e7f0ff;color:var(--blue);font-size:11px;font-weight:800;
  display:grid;place-items:center}
.bl-body strong{color:var(--navy)}
.bl-body a{color:var(--blue);font-weight:600;text-decoration:underline;text-decoration-color:rgba(30,111,217,.35);text-underline-offset:3px}
.bl-body a:hover{color:var(--orange);text-decoration-color:var(--orange)}

.bl-toc{background:#f4f8fd;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.bl-toc b{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.6px;color:var(--navy);margin-bottom:9px}
.bl-toc ol{counter-reset:toc;list-style:none;padding:0;margin:0;display:grid;gap:6px}
.bl-toc li{counter-increment:toc;position:relative;padding-left:24px;font-size:13.4px;line-height:1.45}
.bl-toc li::before{content:counter(toc);position:absolute;left:0;top:1px;width:17px;height:17px;border-radius:50%;
  background:#dde8f6;color:var(--navy);font-size:10.5px;font-weight:800;display:grid;place-items:center}
.bl-toc a{color:#33405c}
.bl-toc a:hover{color:var(--orange)}
.bl-toc-inline{display:none;margin-top:22px}

.bl-post-cta{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin:30px 0 0;
  background:linear-gradient(120deg,#fff4ee,#fdf7f2);border:1px solid #f6d9c6;border-radius:14px;padding:20px 22px}
.bl-post-cta b{display:block;font-size:16px;color:var(--navy)}
.bl-post-cta p{font-size:13.5px;color:var(--muted);margin-top:4px;max-width:44em}
.bl-post-cta .btn{margin-left:auto;white-space:nowrap}

.bl-side{position:sticky;top:104px;display:grid;gap:16px}
.bl-side-card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 18px;
  box-shadow:0 5px 16px rgba(16,40,80,.045)}
.bl-side-card>b{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.6px;color:var(--navy);margin-bottom:10px}
.bl-side-cats ul{list-style:none;display:grid;gap:2px}
.bl-side-cats a{display:flex;align-items:center;justify-content:space-between;gap:8px;
  padding:8px 10px;border-radius:8px;font-size:13.6px;color:#33405c;font-weight:600}
.bl-side-cats a span{font-size:11.5px;color:var(--muted);background:#eef3fa;border-radius:20px;padding:1px 8px}
.bl-side-cats a:hover{background:#f4f8fd;color:var(--orange)}
.bl-side-cats a.on{background:var(--navy);color:#fff}
.bl-side-cats a.on span{background:rgba(255,255,255,.16);color:#fff}
.bl-side-help{background:linear-gradient(140deg,var(--navy),#143f78);border:0;color:#fff}
.bl-side-help>b{color:#fff}
.bl-side-help p{font-size:13px;color:rgba(255,255,255,.82);margin-bottom:13px}
.bl-side-call{display:block;text-align:center;font-size:12.8px;color:rgba(255,255,255,.85);margin-top:9px}
.bl-side-call:hover{color:#fff;text-decoration:underline}
.bl-grid-3{grid-template-columns:repeat(3,1fr)}

@media(max-width:1080px){
  .bl-post-grid{grid-template-columns:1fr;gap:0}
  .bl-side{position:static;grid-template-columns:1fr 1fr;margin-top:28px}
  .bl-side .bl-toc{display:none}
  .bl-toc-inline{display:block}
  .bl-grid-3{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .bl-side{grid-template-columns:1fr}
  .bl-grid-3{grid-template-columns:1fr}
  .bl-post-cta .btn{margin-left:0;width:100%;justify-content:center}
  .bl-body h2{font-size:19px}
}