/* ============================================================
   RUPIAN FINANCE — shared stylesheet
   Brand: Navy #0A397E · Red #CE1F2E · Gold-free trust palette
   Type:  Manrope (display) · Inter (body)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy:      #0A397E;
  --navy-900:  #072B60;
  --navy-700:  #0E4497;
  --navy-100:  #E8EEF8;
  --navy-50:   #F4F7FC;
  --red:       #CE1F2E;
  --red-dark:  #A9161F;
  --ink:       #16223A;
  --slate:     #5A667C;
  --line:      #E2E7F0;
  --paper:     #FBFCFE;
  --white:     #FFFFFF;
  --ok:        #1E9E6A;

  --shadow-sm: 0 1px 2px rgba(10,57,126,.06), 0 2px 8px rgba(10,57,126,.05);
  --shadow-md: 0 8px 24px rgba(10,57,126,.10);
  --shadow-lg: 0 18px 48px rgba(10,57,126,.16);

  --r-sm: 8px; --r-md: 14px; --r-lg: 22px; --r-pill: 999px;
  --wrap: 1180px;
  --ease: cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,.display{font-family:'Manrope',sans-serif;line-height:1.12;letter-spacing:-.02em;color:var(--ink)}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.center{text-align:center}

/* ---------- eyebrow / section headings ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:'Manrope';font-weight:700;font-size:.74rem;
  letter-spacing:.14em;text-transform:uppercase;color:var(--red);
  margin-bottom:14px;
}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--red);display:inline-block}
.section{padding:96px 0}
.section-head{max-width:640px;margin-bottom:52px}
.section-head.center{margin-left:auto;margin-right:auto}
h2.section-title{font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:800}
.section-head p{color:var(--slate);font-size:1.05rem;margin-top:14px}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:'Manrope';font-weight:700;font-size:.98rem;
  padding:15px 30px;border-radius:var(--r-pill);border:2px solid transparent;
  cursor:pointer;transition:all .25s var(--ease);white-space:nowrap;
}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 8px 20px rgba(206,31,46,.28)}
.btn-primary:hover{background:var(--red-dark);transform:translateY(-2px);box-shadow:0 12px 26px rgba(206,31,46,.36)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy-100)}
.btn-ghost:hover{border-color:var(--navy);background:var(--navy-50)}
.btn-ghost-light{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.35)}
.btn-ghost-light:hover{background:rgba(255,255,255,.16);border-color:#fff}
.btn-lg{padding:17px 36px;font-size:1.05rem}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:var(--navy);
  border-bottom:1px solid rgba(255,255,255,.08);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand .mark{
  width:40px;height:40px;flex:none;
  background:transparent;display:grid;place-items:center;overflow:visible;
}
.brand .mark img{width:100%;height:100%;object-fit:contain}
.brand .mark span{font-family:'Manrope';font-weight:800;color:var(--navy);font-size:1.35rem;line-height:1}
.brand .mark span i{color:var(--red);font-style:normal}
.brand-txt{display:flex;flex-direction:column;line-height:1}
.brand-txt b{font-family:'Manrope';font-weight:800;color:#fff;font-size:1.12rem;letter-spacing:.02em}
.brand-txt small{color:#9DB4D8;font-size:.6rem;letter-spacing:.22em;font-weight:600;margin-top:3px}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links a{
  color:#D3DFF2;font-weight:600;font-size:.94rem;padding:9px 15px;border-radius:var(--r-pill);
  transition:.2s;
}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-links a.active{color:#fff;background:rgba(255,255,255,.12)}
.nav-cta{margin-left:12px}
.burger{display:none;background:none;border:none;cursor:pointer;padding:8px}
.burger span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;transition:.3s}

/* ---------- hero ---------- */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.hero::after{
  content:"";position:absolute;right:-10%;top:-30%;width:60%;height:160%;
  background:radial-gradient(circle at center,rgba(206,31,46,.20),transparent 62%);
  pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding:88px 0}

/* ---------- full-bleed hero video header (video only, no overlay content, full screen) ---------- */
.hero-video-only{padding:0;height:calc(100vh - 74px);height:calc(100svh - 74px);overflow:hidden}
.hero-video-only::after{display:none}
.hero-video-bg{position:relative;width:100%;height:100%;overflow:hidden;transition:transform .3s ease-out}
.hero-video-bg video{width:100%;height:100%;object-fit:cover;object-position:center;display:block}
.hero h1{font-size:clamp(2.3rem,5vw,3.7rem);font-weight:800;color:#fff}
.hero h1 .accent{color:#fff;position:relative;white-space:nowrap}
.hero h1 .accent::after{content:"";position:absolute;left:0;right:0;bottom:.06em;height:.14em;background:var(--red);border-radius:2px;z-index:-0}
.hero p.lead{color:#C6D4EC;font-size:1.14rem;margin:22px 0 32px;max-width:520px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-media{
  aspect-ratio:4/3.4;border-radius:var(--r-lg);position:relative;overflow:hidden;
  box-shadow:var(--shadow-lg);border:6px solid rgba(255,255,255,.06);
}

/* stat strip under hero */
.stat-strip{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.12);
  border-radius:var(--r-md);overflow:hidden;margin-top:8px;
}
.stat-strip .cell{background:var(--navy-900);padding:22px 24px}
.stat-strip .cell b{font-family:'Manrope';font-weight:800;font-size:1.55rem;color:#fff;display:block}
.stat-strip .cell span{color:#9DB4D8;font-size:.8rem;letter-spacing:.04em}
.stat-strip .cell b .up{color:var(--red)}

/* ---------- image placeholder ---------- */
.ph{
  width:100%;height:100%;position:absolute;inset:0;
  background:
    linear-gradient(135deg,var(--navy-50),var(--navy-100));
  display:grid;place-items:center;color:var(--navy);
}
.ph.dark{background:linear-gradient(135deg,#0E4497,#072B60);color:#9DB4D8}
.ph-inner{text-align:center;opacity:.75}
.ph-inner svg{width:38px;height:38px;margin-bottom:8px}
.ph-inner small{font-family:'Manrope';font-weight:700;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;display:block}
.ph-inner em{font-style:normal;font-size:.72rem;opacity:.8}
.img-box{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-md)}

/* ---------- cards / grids ---------- */
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-md);
  padding:28px;transition:.28s var(--ease);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--navy-100)}
.card .ic{
  width:48px;height:48px;border-radius:12px;background:var(--navy-50);
  display:grid;place-items:center;color:var(--navy);margin-bottom:18px;
}
.card:hover .ic{background:var(--navy);color:#fff}
.card h3{font-size:1.12rem;font-weight:700;margin-bottom:8px}
.card p{color:var(--slate);font-size:.95rem}

/* stat / fact cards */
.fact{background:var(--navy);color:#fff;border-radius:var(--r-md);padding:26px;position:relative;overflow:hidden}
.fact .lbl{color:#9DB4D8;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:600}
.fact .val{font-family:'Manrope';font-weight:800;font-size:1.9rem;margin-top:8px}
.fact .val small{font-size:.9rem;color:#C6D4EC;font-weight:600}
.fact::before{content:"";position:absolute;right:-20px;bottom:-20px;width:80px;height:80px;border-radius:50%;background:rgba(206,31,46,.25)}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:9px}
.chip{
  display:inline-flex;align-items:center;gap:7px;background:var(--navy-50);
  border:1px solid var(--navy-100);color:var(--navy);border-radius:var(--r-pill);
  padding:8px 15px;font-size:.86rem;font-weight:600;
}
.chip svg{width:14px;height:14px;color:var(--red)}

/* checklist */
.checklist{list-style:none;display:grid;gap:12px}
.checklist li{display:flex;gap:11px;align-items:flex-start;color:var(--ink);font-size:.96rem}
.checklist li svg{flex:none;width:20px;height:20px;color:var(--ok);margin-top:2px}

/* ---------- section tints ---------- */
.tint{background:var(--navy-50)}
.tint-navy{background:var(--navy);color:#fff}
.tint-navy h2,.tint-navy h3{color:#fff}
.tint-navy .section-head p{color:#C6D4EC}

/* ---------- breadcrumb hero (interior pages) ---------- */
.page-hero{background:var(--navy);color:#fff;padding:66px 0;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-8%;top:-40%;width:46%;height:180%;background:radial-gradient(circle,rgba(206,31,46,.18),transparent 65%)}
.page-hero .crumb{color:#9DB4D8;font-size:.85rem;font-weight:600;margin-bottom:14px;position:relative;z-index:1}
.page-hero .crumb a:hover{color:#fff}
.page-hero h1{font-size:clamp(2rem,4vw,3rem);font-weight:800;color:#fff;position:relative;z-index:1}
.page-hero p{color:#C6D4EC;font-size:1.08rem;max-width:600px;margin-top:14px;position:relative;z-index:1}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-900);color:#C6D4EC;padding:64px 0 0}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:48px}
.foot-brand b{font-family:'Manrope';font-weight:800;color:#fff;font-size:1.2rem;display:block;margin:14px 0 10px}
.foot-brand p{font-size:.9rem;line-height:1.7}
.foot-col h4{color:#fff;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px;font-family:'Manrope';font-weight:700}
.foot-col a,.foot-col p{display:block;color:#A9BEDF;font-size:.92rem;margin-bottom:11px;transition:.2s}
.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;color:#8FA6CB}
.foot-disc{font-size:.78rem;color:#7C93BC;line-height:1.7;padding:22px 0;border-top:1px solid rgba(255,255,255,.1);max-width:900px}

/* ---------- floating action ---------- */
.fab{position:fixed;right:20px;bottom:20px;z-index:50;display:flex;flex-direction:column;gap:12px}
.fab a{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;box-shadow:var(--shadow-lg);transition:.25s;color:#fff}
.fab a:hover{transform:scale(1.08)}
.fab .wa{background:#25D366}
.fab .call{background:var(--red)}
.fab a svg{width:26px;height:26px}

/* ============================================================
   MOTION SYSTEM — site-wide animation & micro-interaction layer
   ============================================================ */

/* ---------- scroll progress bar ---------- */
.scroll-progress{position:fixed;top:0;left:0;height:3px;width:0%;
  background:linear-gradient(90deg,var(--red),#ff6b6b);z-index:80;
  transition:width .08s linear;box-shadow:0 0 10px rgba(206,31,46,.6)}

/* ---------- richer reveal system (fade + rise + slight scale) ---------- */
.reveal{
  opacity:0;transform:translateY(28px) scale(.985);filter:blur(2px);
  transition:opacity .8s var(--ease),transform .8s var(--ease),filter .8s var(--ease);
  will-change:transform,opacity;
}
.reveal.in{opacity:1;transform:none;filter:blur(0)}

/* staggered entrance for repeated siblings inside grids/lists */
.grid > .reveal:nth-child(1),.chips > .reveal:nth-child(1){transition-delay:.02s}
.grid > .reveal:nth-child(2),.chips > .reveal:nth-child(2){transition-delay:.08s}
.grid > .reveal:nth-child(3),.chips > .reveal:nth-child(3){transition-delay:.14s}
.grid > .reveal:nth-child(4),.chips > .reveal:nth-child(4){transition-delay:.20s}
.grid > .reveal:nth-child(5),.chips > .reveal:nth-child(5){transition-delay:.26s}
.grid > .reveal:nth-child(6),.chips > .reveal:nth-child(6){transition-delay:.32s}
.grid > .reveal:nth-child(7),.chips > .reveal:nth-child(7){transition-delay:.38s}
.grid > .reveal:nth-child(8),.chips > .reveal:nth-child(8){transition-delay:.44s}

@media (prefers-reduced-motion:reduce){
  .reveal{filter:none!important;transition-delay:0s!important}
  .scroll-progress{display:none}
  html{scroll-behavior:auto}
  .hero::after,.page-hero::after,.tint-navy::before,.fab .wa::after,body,.page-hero .crumb,.page-hero h1,.page-hero p{animation:none!important}
}

/* ---------- floating ambient orbs (adds depth to tinted / navy sections) ---------- */
@keyframes orbFloatA{
  0%,100%{transform:translate(0,0) scale(1)}
  50%{transform:translate(24px,-30px) scale(1.08)}
}
@keyframes orbFloatB{
  0%,100%{transform:translate(0,0) scale(1)}
  50%{transform:translate(-30px,20px) scale(1.05)}
}
.hero::after{animation:orbFloatA 12s ease-in-out infinite}
.page-hero::after{animation:orbFloatB 14s ease-in-out infinite}
.tint-navy{position:relative}
.tint-navy::before{
  content:"";position:absolute;left:-10%;top:-40%;width:50%;height:180%;
  background:radial-gradient(circle,rgba(255,255,255,.05),transparent 65%);
  animation:orbFloatB 16s ease-in-out infinite;pointer-events:none;
}

/* ---------- nav link underline sweep ---------- */
.nav-links a{position:relative;overflow:hidden}
.nav-links a::after{
  content:"";position:absolute;left:15px;right:15px;bottom:6px;height:2px;
  background:var(--red);border-radius:2px;transform:scaleX(0);transform-origin:left;
  transition:transform .3s var(--ease);
}
.nav-links a:hover::after,.nav-links a.active::after{transform:scaleX(1)}
.brand .mark{transition:transform .4s var(--ease)}
.brand:hover .mark{transform:rotate(-8deg) scale(1.06)}

/* ---------- button shine sweep + press feedback ---------- */
.btn{position:relative;overflow:hidden}
.btn::before{
  content:"";position:absolute;top:0;left:-60%;width:40%;height:100%;
  background:linear-gradient(120deg,transparent,rgba(255,255,255,.35),transparent);
  transform:skewX(-20deg);transition:left .65s var(--ease);
}
.btn:hover::before{left:130%}
.btn:active{transform:scale(.97)}

/* ---------- card hover: icon bounce + lift + border glow ---------- */
.card .ic{transition:background .3s var(--ease),color .3s var(--ease),transform .45s var(--ease)}
.card:hover .ic{transform:rotate(-6deg) scale(1.12)}
.card{position:relative}
.card:hover{transform:translateY(-6px)}

/* ---------- chip hover ---------- */
.chip{transition:.25s var(--ease)}
.chip:hover{background:var(--navy);color:#fff;border-color:var(--navy);transform:translateY(-2px)}
.chip:hover svg{color:#fff}

/* ---------- fact card subtle float on hover ---------- */
.fact{transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.fact:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.fact::before{transition:transform .6s var(--ease)}
.fact:hover::before{transform:scale(1.4)}

/* ---------- img-box / hero-media zoom-on-hover ---------- */
.img-box img,.img-box video{transition:transform .6s var(--ease)}
.img-box:hover img,.img-box:hover video{transform:scale(1.045)}

/* ---------- footer link slide ---------- */
.foot-col a{position:relative;transition:.25s,transform .25s var(--ease)}
.foot-col a:hover{transform:translateX(4px)}

/* ---------- FAB entrance + pulse ---------- */
@keyframes fabIn{from{opacity:0;transform:translateY(20px) scale(.8)}to{opacity:1;transform:none}}
.fab a{animation:fabIn .5s var(--ease) backwards}
.fab a:nth-child(1){animation-delay:.15s}
.fab a:nth-child(2){animation-delay:.25s}
.fab .wa{position:relative}
.fab .wa::after{
  content:"";position:absolute;inset:0;border-radius:50%;background:#25D366;
  animation:fabPulse 2.4s ease-out infinite;z-index:-1;
}
@keyframes fabPulse{
  0%{transform:scale(1);opacity:.55}
  100%{transform:scale(1.9);opacity:0}
}

/* ---------- back to top button ---------- */
.to-top{
  position:fixed;right:20px;bottom:186px;z-index:50;width:44px;height:44px;border-radius:50%;
  background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-md);color:var(--navy);
  display:grid;place-items:center;cursor:pointer;opacity:0;pointer-events:none;
  transform:translateY(10px);transition:.3s var(--ease);
}
.to-top.show{opacity:1;pointer-events:auto;transform:none}
.to-top:hover{background:var(--navy);color:#fff;transform:translateY(-3px)}
.to-top svg{width:20px;height:20px}

/* ---------- page load fade ---------- */
@keyframes pageIn{from{opacity:0}to{opacity:1}}
body{animation:pageIn .5s ease-out}

/* ---------- page-hero title entrance (above the fold, no scroll needed) ---------- */
@keyframes riseIn{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.page-hero .crumb{animation:riseIn .6s var(--ease) both}
.page-hero h1{animation:riseIn .7s var(--ease) .08s both}
.page-hero p{animation:riseIn .7s var(--ease) .16s both}

/* ---------- accordion chevron rotate ---------- */
.acc-item.open .acc-head .plus{transform:rotate(135deg);background:var(--navy);color:#fff}

/* ---------- stat-strip number pop ---------- */
.stat-strip .cell b{display:inline-block;transition:transform .3s var(--ease)}
.stat-strip .cell:hover b{transform:scale(1.08)}

/* ---------- responsive ---------- */
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:36px;padding:60px 0}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
  .nav-links{
    position:fixed;inset:74px 0 auto 0;background:var(--navy);flex-direction:column;
    align-items:stretch;padding:16px 24px 28px;gap:4px;border-bottom:1px solid rgba(255,255,255,.1);
    transform:translateY(-120%);transition:transform .35s var(--ease);z-index:59;
  }
  .nav-links.open{transform:translateY(0)}
  .nav-links a{padding:13px 16px}
  .nav-cta{margin:8px 0 0}
  .burger{display:block}
  .section{padding:64px 0}
}
@media(max-width:560px){
  .g4,.g3,.g2,.foot-grid{grid-template-columns:1fr}
  .stat-strip{grid-template-columns:1fr}
  .foot-bottom{flex-direction:column}
  .section{padding:52px 0}
}

/* ============ PAGE COMPONENTS ============ */

/* eligibility definition table */
.deftable{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden}
.deftable .row{display:grid;grid-template-columns:230px 1fr;gap:20px;padding:20px 26px;border-bottom:1px solid var(--line)}
.deftable .row:last-child{border-bottom:none}
.deftable .row:nth-child(odd){background:var(--navy-50)}
.deftable .row .k{font-family:'Manrope';font-weight:700;color:var(--navy)}
.deftable .row .v{color:var(--slate)}

/* tabs */
.tabbar{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px}
.tab-btn{
  font-family:'Manrope';font-weight:700;font-size:.92rem;padding:12px 22px;border-radius:var(--r-pill);
  border:1px solid var(--navy-100);background:#fff;color:var(--navy);cursor:pointer;transition:.2s;
}
.tab-btn:hover{background:var(--navy-50)}
.tab-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.tab-panel{display:none;animation:fade .35s var(--ease)}
.tab-panel.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.doc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 30px}
@media(max-width:640px){.doc-grid{grid-template-columns:1fr}}

/* EMI calculator */
.emi{display:grid;grid-template-columns:1.15fr .85fr;gap:0;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-md)}
.emi-controls{padding:38px}
.emi-result{background:var(--navy);color:#fff;padding:38px;display:flex;flex-direction:column;justify-content:center}
.emi-field{margin-bottom:26px}
.emi-field .top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.emi-field label{font-family:'Manrope';font-weight:700;color:var(--ink);font-size:.95rem}
.emi-field .out{font-family:'Manrope';font-weight:800;color:var(--navy);font-size:1.1rem}
input[type=range]{
  -webkit-appearance:none;width:100%;height:7px;border-radius:6px;
  background:linear-gradient(90deg,var(--navy) 40%,var(--navy-100) 40%);outline:none;
}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--red);cursor:pointer;border:4px solid #fff;box-shadow:0 2px 8px rgba(206,31,46,.4)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--red);cursor:pointer;border:4px solid #fff}
.emi-ring-wrap{display:flex;align-items:center;gap:20px;margin-bottom:26px}
.emi-ring{width:110px;height:110px;border-radius:50%;flex:none;display:grid;place-items:center;background:conic-gradient(var(--red) 0 30%,var(--navy) 30% 100%)}
.emi-ring i{width:78px;height:78px;border-radius:50%;background:var(--navy);display:grid;place-items:center;font-style:normal}
.emi-ring i b{font-family:'Manrope';font-weight:800;font-size:1.15rem;color:#fff}
.emi-ring i span{font-size:.64rem;color:#9DB4D8;display:block;text-align:center}
.emi-legend span{display:flex;align-items:center;gap:8px;font-size:.85rem;color:#C6D4EC;margin-bottom:8px}
.emi-legend .dot{width:11px;height:11px;border-radius:3px}
.emi-out-row{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.emi-out-row:last-child{border-bottom:none}
.emi-out-row .l{color:#C6D4EC;font-size:.92rem}
.emi-out-row .r{font-family:'Manrope';font-weight:800;font-size:1.15rem;color:#fff}
.emi-out-row.big .r{font-size:1.5rem}
.emi-out-row.big .r{color:#fff}
@media(max-width:820px){.emi{grid-template-columns:1fr}}

/* stepper */
.steps{position:relative;display:grid;gap:0}
.step{display:grid;grid-template-columns:64px 1fr;gap:24px;padding-bottom:34px;position:relative}
.step:last-child{padding-bottom:0}
.step::before{content:"";position:absolute;left:31px;top:56px;bottom:-4px;width:2px;background:linear-gradient(var(--navy),var(--navy-100))}
.step:last-child::before{display:none}
.step .num{
  width:62px;height:62px;border-radius:16px;background:var(--navy);color:#fff;
  display:grid;place-items:center;font-family:'Manrope';font-weight:800;font-size:1.3rem;
  position:relative;z-index:1;box-shadow:var(--shadow-sm);
}
.step:hover .num{background:var(--red)}
.step .body{padding-top:8px}
.step .body h3{font-size:1.15rem;font-weight:700;margin-bottom:4px}
.step .body p{color:var(--slate);font-size:.95rem}
.step .body .tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:6px;font-family:'Manrope'}

/* accordion */
.acc{max-width:820px;margin:0 auto}
.acc-item{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);margin-bottom:14px;overflow:hidden;transition:.25s}
.acc-item.open{border-color:var(--navy);box-shadow:var(--shadow-sm)}
.acc-head{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 26px;cursor:pointer;font-family:'Manrope';font-weight:700;color:var(--ink);font-size:1.05rem}
.acc-head .plus{flex:none;width:28px;height:28px;border-radius:50%;background:var(--navy-50);display:grid;place-items:center;color:var(--navy);transition:.3s}
.acc-item.open .acc-head .plus{background:var(--red);color:#fff;transform:rotate(45deg)}
.acc-body{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.acc-item.open .acc-body{max-height:400px}
.acc-body p{padding:0 26px 24px;color:var(--slate)}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:44px}
.info-list{display:grid;gap:22px}
.info-item{display:grid;grid-template-columns:52px 1fr;gap:16px;align-items:start}
.info-item .ic{width:52px;height:52px;border-radius:14px;background:var(--navy-50);display:grid;place-items:center;color:var(--navy)}
.info-item h4{font-family:'Manrope';font-weight:700;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:5px}
.info-item p,.info-item a{color:var(--slate);font-size:.98rem;line-height:1.6}
.info-item a:hover{color:var(--navy)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:34px;box-shadow:var(--shadow-md)}
.field{margin-bottom:18px}
.field label{display:block;font-family:'Manrope';font-weight:600;font-size:.88rem;margin-bottom:7px;color:var(--ink)}
.field input,.field textarea,.field select{
  width:100%;padding:13px 16px;border:1px solid var(--line);border-radius:var(--r-sm);
  font-family:'Inter';font-size:.96rem;color:var(--ink);background:var(--paper);transition:.2s;
}
.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px var(--navy-100)}
.map-box{aspect-ratio:16/6;border-radius:var(--r-lg);overflow:hidden;margin-top:8px}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr}}

/* value cards (vision/mission) */
.vm-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.vm{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:36px;position:relative}
.vm .badge{width:54px;height:54px;border-radius:14px;background:var(--navy);color:#fff;display:grid;place-items:center;margin-bottom:20px}
.vm h3{font-size:1.4rem;font-weight:800;margin-bottom:14px}
@media(max-width:820px){.vm-grid{grid-template-columns:1fr}}

/* end-use tiles */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:22px;text-align:center;transition:.25s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm);border-color:var(--navy-100)}
.tile .ic{width:44px;height:44px;border-radius:12px;background:var(--navy-50);color:var(--navy);display:grid;place-items:center;margin:0 auto 12px}
.tile b{font-family:'Manrope';font-weight:700;font-size:.92rem;color:var(--ink)}
@media(max-width:820px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.tiles{grid-template-columns:1fr}}