/* =============================================================
   Heute & Morgen Assets — global styles
   Palette: blue & gold (brand logo colors).
   ============================================================= */

:root {
  /* Brand blues (from logo) */
  --navy-900: #0d2b4f;   /* deep navy #0D2B4F */
  --navy-800: #123a63;
  --brand-700: #1c4f86;  /* hover / deep */
  --brand-600: #2e6ca7;  /* primary #2E6CA7 */
  --brand-500: #3f7fbd;
  --gold-600: #a9822a;
  --gold-500: #c89e3c;   /* brand gold #C89E3C */
  --gold-400: #d9b64e;
  --gold-300: #e8cd76;

  --grad-brand: linear-gradient(135deg, #123a63 0%, #2e6ca7 52%, #c89e3c 100%);
  --grad-media: linear-gradient(135deg, #123a63 0%, #2e6ca7 100%);
  --grad-soft: linear-gradient(135deg, #eef4fb 0%, #f6efe0 100%);

  /* Neutrals (cool with warm accent) */
  --ink: #16263b;
  --body: #3c4a5a;
  --muted: #697787;
  --line: #e4e9f1;
  --surface: #f4f7fb;
  --surface-2: #e8f0f9;
  --white: #ffffff;

  --ok: #17a06b;
  --star: #e0a41f;

  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 26px;
  --shadow-sm: 0 2px 10px rgba(13, 43, 79, .07);
  --shadow: 0 14px 40px rgba(13, 43, 79, .12);
  --shadow-lg: 0 30px 70px rgba(13, 43, 79, .18);

  --container: 1180px;
  --font: "Inter", "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--body);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip; /* safety net against horizontal scroll on mobile (does not break sticky header) */
}

h1, h2, h3, h4 { color: var(--ink); line-height: 1.15; margin: 0 0 .5em; font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.35rem); }
h2 { font-size: clamp(1.55rem, 3.1vw, 2.3rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; }
a { color: var(--brand-600); text-decoration: none; }
img { max-width: 100%; display: block; }

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

.section { padding: 78px 0; }
.section.tight { padding: 54px 0; }
.section.alt { background: var(--surface); }
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--gold-600); margin-bottom: 12px;
}
.lead { font-size: 1.1rem; color: var(--muted); max-width: 640px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.section-head { margin-bottom: 42px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px; justify-content: center;
  font-weight: 700; font-size: .98rem; padding: 13px 26px; border-radius: 999px;
  cursor: pointer; border: 1.5px solid transparent; transition: .2s ease; white-space: nowrap;
}
.btn.primary { background: var(--brand-600); color: #fff; box-shadow: 0 10px 24px rgba(46, 108, 167, .28); }
.btn.primary:hover { background: var(--brand-700); transform: translateY(-2px); box-shadow: 0 14px 30px rgba(46, 108, 167, .34); }
.btn.gold { background: var(--gold-500); color: #0d2b4f; box-shadow: 0 10px 24px rgba(200, 158, 60, .3); }
.btn.gold:hover { background: var(--gold-400); transform: translateY(-2px); }
.btn.ghost { background: transparent; color: var(--brand-700); border-color: rgba(46, 108, 167, .32); }
.btn.ghost:hover { background: var(--surface-2); }
.btn.white { background: #fff; color: var(--brand-700); }
.btn.white:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn.lg { padding: 16px 34px; font-size: 1.05rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 60; background: rgba(255, 255, 255, .9);
  backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 108px; gap: 14px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand .logo-img { height: 84px; width: auto; }
.brand-line { display: none; }
.brand-line strong { font-size: 1.02rem; color: var(--ink); letter-spacing: .04em; }
.brand-line small { font-size: .68rem; color: var(--muted); letter-spacing: .02em; }
.nav { display: flex; align-items: center; gap: 2px; }
.nav a {
  color: #2e6ca7; font-weight: 700; font-size: .96rem; padding: 9px 10px; border-radius: 8px;
  transition: .15s; white-space: nowrap;
}
.nav a:hover { color: #1c4f86; background: #eaf1f9; }
.nav a.active { color: #1c4f86; box-shadow: inset 0 -2px 0 0 var(--gold-500); border-radius: 8px 8px 0 0; }
.nav-cta { margin-left: 6px; background: var(--gold-500) !important; color: #0d2b4f !important; box-shadow: 0 8px 20px rgba(200,158,60,.35); }
.nav-cta:hover { background: var(--gold-400) !important; color: #0d2b4f !important; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--ink); border-radius: 2px; margin: 5px 0; transition: .25s; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--grad-soft); }
.hero::before {
  content: ""; position: absolute; right: -12%; top: -30%; width: 60%; height: 160%;
  background: radial-gradient(closest-side, rgba(46, 108, 167, .18), transparent 70%); z-index: 0;
}
.hero-grid {
  position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .95fr;
  gap: 48px; align-items: center; padding: 70px 0 80px;
}
.hero h1 span { background: var(--grad-brand); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero p.sub { font-size: 1.15rem; color: var(--body); max-width: 520px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin: 26px 0 22px; }
.inline-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.inline-badges span {
  display: inline-flex; align-items: center; gap: 7px; background: #fff; border: 1px solid var(--line);
  color: var(--body); font-weight: 600; font-size: .84rem; padding: 8px 14px; border-radius: 999px; box-shadow: var(--shadow-sm);
}
.inline-badges span::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold-500); }

/* Hero visual card */
.hero-visual { position: relative; }
.glass-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 26px; position: relative;
}
.gc-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.gc-top .pill { font-size: .72rem; font-weight: 700; color: var(--ok); background: rgba(23,160,107,.1); padding: 5px 11px; border-radius: 999px; }
.gc-amount { font-size: 2.4rem; font-weight: 800; color: var(--ink); letter-spacing: -.02em; }
.gc-amount small { font-size: .95rem; font-weight: 600; color: var(--muted); }
.gc-slider { height: 8px; border-radius: 999px; background: var(--surface-2); margin: 18px 0 10px; position: relative; }
.gc-slider::before { content: ""; position: absolute; left: 0; top: 0; height: 100%; width: 64%; border-radius: 999px; background: var(--grad-brand); }
.gc-slider::after { content: ""; position: absolute; left: 62%; top: 50%; transform: translateY(-50%); width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 3px solid var(--brand-600); box-shadow: var(--shadow-sm); }
.gc-row { display: flex; justify-content: space-between; font-size: .8rem; color: var(--muted); }
.gc-list { margin-top: 20px; border-top: 1px solid var(--line); padding-top: 16px; display: grid; gap: 12px; }
.gc-list .li { display: flex; align-items: center; gap: 10px; font-size: .92rem; color: var(--body); font-weight: 500; }
.gc-list .li svg { flex: 0 0 auto; }
.gc-btn { margin-top: 20px; width: 100%; }
.float-chip {
  position: absolute; background: #fff; border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow); padding: 10px 14px; font-weight: 700; font-size: .82rem; color: var(--ink);
  display: flex; align-items: center; gap: 8px;
}
.float-chip.one { top: -18px; left: -20px; }
.float-chip.two { bottom: -16px; right: -14px; }
.float-chip .dot { width: 26px; height: 26px; border-radius: 8px; background: var(--grad-brand); display: grid; place-items: center; color: #fff; }

/* ---------- Stat band ---------- */
.stat-band { background: var(--navy-900); color: #fff; position: relative; overflow: hidden; }
.stat-band::after { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 20% 20%, rgba(200,158,60,.20), transparent 40%), radial-gradient(circle at 85% 90%, rgba(46,108,167,.5), transparent 45%); }
.stat-grid { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat .num { font-size: clamp(1.9rem, 3.6vw, 2.9rem); font-weight: 800; color: #fff; letter-spacing: -.02em; }
.stat .num span { background: linear-gradient(120deg, #e8cd76, #fff); -webkit-background-clip: text; background-clip: text; color: transparent; }
.stat .lbl { color: #c3d3e6; font-size: .92rem; font-weight: 500; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 22px; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px;
  box-shadow: var(--shadow-sm); transition: .22s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #cfe0f2; }

/* Product card */
.prod-card { display: flex; flex-direction: column; }
.prod-card .ic {
  width: 54px; height: 54px; border-radius: 14px; background: var(--grad-soft); display: grid; place-items: center;
  margin-bottom: 16px; border: 1px solid #dbe7f6;
}
.prod-card .ic svg { width: 28px; height: 28px; }
.prod-card h3 { margin-bottom: 8px; }
.prod-card p { color: var(--muted); font-size: .95rem; }
.prod-card .amt { margin-top: 6px; font-weight: 700; color: var(--brand-700); font-size: .9rem; }
.prod-card .more { margin-top: auto; padding-top: 16px; font-weight: 700; font-size: .9rem; color: var(--brand-600); display: inline-flex; align-items: center; gap: 6px; }
.prod-card:hover .more { gap: 10px; }

/* Feature */
.feature { display: flex; gap: 16px; align-items: flex-start; }
.feature .fic { width: 46px; height: 46px; flex: 0 0 auto; border-radius: 12px; background: var(--grad-brand); display: grid; place-items: center; color: #fff; }
.feature .fic svg { width: 24px; height: 24px; }
.feature h3 { font-size: 1.05rem; margin-bottom: 4px; }
.feature p { font-size: .93rem; color: var(--muted); margin: 0; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: s; }
.step { position: relative; padding: 30px 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.step .n { width: 44px; height: 44px; border-radius: 12px; background: var(--grad-brand); color: #fff; font-weight: 800; display: grid; place-items: center; margin-bottom: 16px; font-size: 1.1rem; }
.step h3 { font-size: 1.05rem; margin-bottom: 6px; }
.step p { font-size: .9rem; color: var(--muted); margin: 0; }

/* Testimonials */
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); }
.quote .stars { color: var(--star); font-size: 1rem; letter-spacing: 2px; margin-bottom: 12px; }
.quote p { color: var(--body); font-size: .98rem; }
.quote .who { display: flex; align-items: center; gap: 12px; margin-top: 16px; }
.quote .who .av { width: 42px; height: 42px; border-radius: 50%; background: var(--grad-brand); color: #fff; display: grid; place-items: center; font-weight: 700; }
.quote .who b { color: var(--ink); font-size: .95rem; display: block; }
.quote .who small { color: var(--muted); }

/* Trust / logos row */
.trust-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.trust-mini { text-align: center; padding: 22px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.trust-mini b { display: block; font-size: 1.5rem; color: var(--brand-700); font-weight: 800; }
.trust-mini span { color: var(--muted); font-size: .88rem; }

/* CTA band */
.cta-band { background: var(--grad-brand); border-radius: var(--radius-lg); padding: 48px; color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 26px; flex-wrap: wrap; box-shadow: var(--shadow); }
.cta-band h2 { color: #fff; margin: 0 0 6px; }
.cta-band p { color: rgba(255,255,255,.92); margin: 0; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { background: var(--grad-soft); padding: 56px 0; position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; right: -8%; top: -40%; width: 44%; height: 180%; background: radial-gradient(closest-side, rgba(46,108,167,.16), transparent 70%); }
.page-hero .crumb { font-size: .84rem; color: var(--muted); margin-bottom: 14px; position: relative; }
.page-hero .crumb a { color: var(--muted); }
.page-hero h1 { position: relative; }
.page-hero p { position: relative; max-width: 620px; font-size: 1.1rem; }
.page-hero .hero-cta { position: relative; }

/* Split content */
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.split.rev { grid-template-columns: .9fr 1.1fr; }
.media-card { background: var(--grad-media); border-radius: var(--radius-lg); min-height: 320px; display: grid; place-items: center; box-shadow: var(--shadow); position: relative; overflow: hidden; }
.media-card svg { width: 62%; height: auto; }

/* Bullet list */
.checks { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 12px; }
.checks li { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; color: var(--body); }
.checks li svg { flex: 0 0 auto; margin-top: 3px; }

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 20px 44px 20px 0; font-size: 1.02rem; font-weight: 700; color: var(--ink); position: relative; }
.faq-q::after { content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%); font-size: 1.4rem; color: var(--brand-600); transition: .2s; }
.faq-item.open .faq-q::after { content: "\2212"; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a p { padding: 0 0 20px; color: var(--muted); margin: 0; }

/* ---------- Forms ---------- */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 34px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: .9rem; color: var(--ink); margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font-family: inherit; font-size: .96rem; color: var(--ink); background: #fbfdff; transition: .15s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand-500); box-shadow: 0 0 0 3px rgba(46,108,167,.14); }
.field .hint { font-size: .78rem; color: var(--muted); margin-top: 6px; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: 14px; }
.form-success { display: none; background: rgba(23,160,107,.08); border: 1px solid rgba(23,160,107,.3); color: #0f7a52; padding: 16px 18px; border-radius: var(--radius-sm); font-weight: 600; margin-bottom: 18px; }
.hp { position: absolute; left: -9999px; }

/* ---------- Calculators (EMI + retirement) ---------- */
.calc { display: grid; grid-template-columns: 1fr .8fr; gap: 30px; align-items: center; }
.calc .ctrl { margin-bottom: 22px; }
.calc .ctrl .top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px; }
.calc .ctrl .top b { color: var(--brand-700); font-size: 1.05rem; }
.calc input[type=range] { width: 100%; accent-color: var(--brand-600); height: 6px; }
.calc-assump { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 24px; margin-top: 4px; padding-top: 18px; border-top: 1px dashed var(--line); }
.calc-result { background: var(--navy-900); color: #fff; border-radius: var(--radius-lg); padding: 30px; text-align: center; }
.calc-result .emi { font-size: 2.6rem; font-weight: 800; }
.calc-result .emi span { background: linear-gradient(120deg,#e8cd76,#fff); -webkit-background-clip: text; background-clip: text; color: transparent; }
.calc-result .brk { display: flex; justify-content: space-around; margin-top: 20px; border-top: 1px solid rgba(255,255,255,.14); padding-top: 18px; gap: 10px; }
.calc-result .brk div small { display: block; color: #c3d3e6; font-size: .8rem; }
.calc-result .brk div b { font-size: 1.05rem; }

/* ---------- Legal ---------- */
.legal { max-width: 820px; }
.legal h3 { margin-top: 28px; }
.legal p { color: var(--body); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: start; }
.contact-info .ci { display: flex; gap: 14px; margin-bottom: 22px; }
.contact-info .ci .cic { width: 46px; height: 46px; flex: 0 0 auto; border-radius: 12px; background: var(--grad-soft); border: 1px solid #dbe7f6; display: grid; place-items: center; }
.contact-info .ci b { color: var(--ink); display: block; }
.contact-info .ci span { color: var(--muted); font-size: .93rem; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: #c3d3e6; padding: 60px 0 26px; }
.footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 34px; }
.footer .brand .logo-img { height: 60px !important; background: #fff; padding: 11px 15px; border-radius: 12px; box-shadow: var(--shadow-sm); }
.footer .brand-line strong { color: #fff; }
.footer .brand-line small { color: #a9c0da; }
.footer p.desc { font-size: .9rem; color: #a9c0da; max-width: 300px; margin-top: 14px; }
.footer h4 { color: #fff; font-size: .85rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 14px; }
.footer a { color: #c3d3e6; display: block; padding: 6px 0; font-size: .92rem; }
.footer a:hover { color: var(--gold-300); }
.foot-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 40px; padding-top: 22px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .84rem; color: #90a9c5; }
.foot-bottom .disc { max-width: 720px; }

/* ---------- Photo backdrops (hero) ---------- */
.hero.has-bg, .page-hero.has-bg { background-size: cover; background-position: center; background-repeat: no-repeat; }
.hero.has-bg::before, .page-hero.has-bg::before { display: none; }
.hero.has-bg::after, .page-hero.has-bg::after {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(90deg, rgba(9,26,48,.93) 0%, rgba(9,26,48,.78) 42%, rgba(9,26,48,.46) 100%);
}
.hero.has-bg .container, .page-hero.has-bg .container { position: relative; z-index: 2; }
.hero.has-bg h1, .page-hero.has-bg h1 { color: #fff; text-shadow: 0 2px 16px rgba(0,0,0,.4); }
.hero.has-bg p, .hero.has-bg p.sub, .page-hero.has-bg p { color: rgba(255,255,255,.95); text-shadow: 0 1px 12px rgba(0,0,0,.35); }
.page-hero.has-bg .crumb, .page-hero.has-bg .crumb a { color: rgba(255,255,255,.82); }
.hero.has-bg .eyebrow, .page-hero.has-bg .eyebrow { color: var(--gold-300); }
.hero.has-bg h1 span { background: none; -webkit-text-fill-color: #e8cd76; color: #e8cd76; }
.hero.has-bg .btn.ghost, .page-hero.has-bg .btn.ghost { color: #fff; border-color: rgba(255,255,255,.55); }
.hero.has-bg .btn.ghost:hover, .page-hero.has-bg .btn.ghost:hover { background: rgba(255,255,255,.14); }
.hero.has-bg .inline-badges span, .page-hero.has-bg .inline-badges span { background: rgba(255,255,255,.15); border-color: rgba(255,255,255,.3); color: #fff; box-shadow: none; }
/* Home hero: shrink the loan card and anchor it to the bottom-right so the photo is clearer */
@media (min-width: 961px) {
  .hero.has-bg .hero-grid { grid-template-columns: 1.55fr .45fr; align-items: end; padding-top: 52px; padding-bottom: 58px; }
  .hero.has-bg .hero-visual { max-width: 250px; margin-left: auto; position: relative; top: 8px; }
  .hero.has-bg .glass-card { padding: 16px; border-radius: 18px; }
  .hero.has-bg .gc-amount { font-size: 1.55rem; }
  .hero.has-bg .glass-card .gc-slider { margin: 12px 0 8px; }
  .hero.has-bg .glass-card .gc-list { gap: 7px; padding-top: 12px; margin-top: 12px; }
  .hero.has-bg .glass-card .gc-list .li { font-size: .8rem; }
  .hero.has-bg .glass-card .gc-btn { padding: 11px 20px; margin-top: 14px; }
  .hero.has-bg .float-chip { font-size: .74rem; padding: 8px 11px; }
}

/* ---------- Photo in media cards ---------- */
.media-card .media-photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; border-radius: inherit; }

/* ---------- Photo tiles (image-backed feature cards) ---------- */
.photo-tile { position: relative; overflow: hidden; min-height: 232px; border-radius: var(--radius); box-shadow: var(--shadow-sm); display: flex; flex-direction: column; justify-content: flex-end; padding: 22px; transition: .22s ease; }
.photo-tile:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.photo-tile img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; }
.photo-tile::after { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(180deg, rgba(9,26,48,.10) 0%, rgba(9,26,48,.55) 55%, rgba(9,26,48,.86) 100%); }
.photo-tile h3, .photo-tile p { position: relative; z-index: 2; color: #fff; }
.photo-tile h3 { margin-bottom: 5px; }
.photo-tile p { font-size: .9rem; color: rgba(255,255,255,.9); margin: 0; }

/* ---------- 3-up stat band ---------- */
.stat-grid.g3 { grid-template-columns: repeat(3, 1fr); max-width: 820px; margin: 0 auto; }

/* ---------- Leadership cards ---------- */
.leader-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.leader-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); padding: 30px; }
.leader-top { display: flex; gap: 18px; align-items: center; margin-bottom: 16px; }
.leader-photo { width: 104px; height: 104px; border-radius: 50%; object-fit: cover; object-position: center top; border: 3px solid var(--surface-2); flex: 0 0 auto; }
.leader-name { font-size: 1.2rem; margin: 0 0 3px; }
.leader-role { color: var(--brand-600); font-weight: 700; font-size: .92rem; }
.leader-tags { color: var(--muted); font-size: .8rem; margin-top: 5px; }
.leader-li { display: inline-flex; align-items: center; gap: 6px; margin-top: 9px; color: var(--brand-600); font-weight: 600; font-size: .82rem; }
.leader-li svg { width: 18px; height: 18px; }
.leader-li:hover { color: var(--brand-700); }
.leader-bio { font-size: .94rem; color: var(--body); }
.leader-quote { border-left: 3px solid var(--gold-500); padding: 2px 0 2px 14px; margin-top: 14px; color: var(--ink); font-style: italic; font-size: .95rem; }

/* ---------- Reveal animation ---------- */
.reveal { transition: opacity .6s ease, transform .6s ease; }
.js-reveal .reveal { opacity: 0; transform: translateY(22px); }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .nav { position: fixed; inset: 108px 0 auto; flex-direction: column; align-items: stretch; background: #fff; padding: 12px 20px 20px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); transform: translateY(-140%); transition: transform .28s ease; gap: 2px; max-height: calc(100vh - 108px); overflow-y: auto; }
  .nav.open { transform: none; }
  .nav a { padding: 12px 10px; border-radius: 8px; font-size: 1.02rem; }
  .nav-cta { margin: 10px 0 0; }
  .nav-toggle { display: block; }
}
@media (max-width: 960px) {
  .hero-grid, .split, .split.rev, .calc, .contact-grid { grid-template-columns: 1fr; }
  .split.rev .media-card { order: -1; }
  .grid.cols-4 { grid-template-columns: repeat(2, 1fr); }
  .stat-grid, .steps, .trust-row { grid-template-columns: repeat(2, 1fr); }
  .leader-grid { grid-template-columns: 1fr; }
  .footer .cols { grid-template-columns: 1fr 1fr; }
  .hero-visual { max-width: 460px; margin: 0 auto; }
}
@media (max-width: 720px) {
  /* Shorter header + smaller logo so it doesn't eat the phone viewport */
  .nav-wrap { height: 72px; }
  .brand .logo-img { height: 48px; }
  .nav { inset: 72px 0 auto; max-height: calc(100vh - 72px); }

  .stat-grid.g3 { grid-template-columns: 1fr; }
  .brand-line small { display: none; }
  .section { padding: 48px 0; }
  .section.tight { padding: 36px 0; }
  .grid.cols-3, .grid.cols-2, .form-row { grid-template-columns: 1fr; }
  .cta-band { padding: 32px 24px; text-align: center; justify-content: center; }
  .cta-band h2 { font-size: 1.5rem; }
  .footer .cols { grid-template-columns: 1fr; }
  .calc-result .brk { flex-direction: column; gap: 12px; }
  .calc-assump { grid-template-columns: 1fr; }

  /* Tighter spacing so content gets more width */
  .container { padding: 0 20px; }
  .hero-grid { padding: 40px 0 48px; gap: 32px; }
  .page-hero { padding: 40px 0; }
  .card, .quote, .leader-card { padding: 22px; }
  .form-card { padding: 22px; }
  .calc-result { padding: 24px; }

  /* Full-width stacked buttons = bigger tap targets, no overflow */
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-cta .btn { width: 100%; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  h1 { font-size: clamp(1.75rem, 7.5vw, 2.4rem); }
  .section { padding: 40px 0; }
  .hero p.sub, .page-hero p, .lead { font-size: 1rem; }
  .btn.lg { padding: 14px 24px; font-size: 1rem; }
  .glass-card { padding: 20px; }
  .gc-amount { font-size: 2rem; }
  .calc-result .emi { font-size: 2.1rem; }
  .stat-grid { gap: 16px 14px; }
  .float-chip { display: none; } /* decorative chips: hide on tiny screens to avoid clutter */
  .foot-bottom { flex-direction: column; }
}