/* ==========================================================================
   GroMoney Capital - Master Stylesheet
   Author: GroMoney Capital
   Mobile-first, fully responsive, accessible
   ========================================================================== */

:root {
  --color-primary: #0b3d6b;        /* deep trust blue */
  --color-primary-dark: #07294a;
  --color-primary-light: #1a5a96;
  --color-accent: #f5a623;         /* gold / growth */
  --color-accent-dark: #d68910;
  --color-success: #2e7d32;
  --color-text: #1f2937;
  --color-text-soft: #4b5563;
  --color-muted: #6b7280;
  --color-bg: #ffffff;
  --color-bg-soft: #f7f9fc;
  --color-bg-alt: #eef3f9;
  --color-border: #e5e7eb;
  --color-white: #ffffff;
  --shadow-sm: 0 2px 6px rgba(15, 23, 42, .06);
  --shadow-md: 0 8px 24px rgba(15, 23, 42, .08);
  --shadow-lg: 0 18px 40px rgba(15, 23, 42, .12);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --container: 1180px;
  --transition: .25s ease;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--color-primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-accent-dark); }

h1, h2, h3, h4, h5 {
  font-family: var(--font-sans);
  color: var(--color-primary-dark);
  line-height: 1.25;
  margin: 0 0 .6em;
  font-weight: 700;
}
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.25rem; }
p  { margin: 0 0 1em; color: var(--color-text-soft); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}

/* ============== BUTTONS ============== */
.btn {
  display: inline-block;
  padding: 12px 26px;
  border-radius: 50px;
  font-weight: 600;
  font-size: .98rem;
  text-align: center;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary { background: var(--color-accent); color: #fff; }
.btn-primary:hover { background: var(--color-accent-dark); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-secondary { background: var(--color-primary); color: #fff; }
.btn-secondary:hover { background: var(--color-primary-dark); color: #fff; transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--color-primary); border-color: var(--color-primary); }
.btn-outline:hover { background: var(--color-primary); color: #fff; }
.btn-light { background: #fff; color: var(--color-primary); }
.btn-light:hover { background: var(--color-bg-alt); color: var(--color-primary-dark); }
.btn-block { display: block; width: 100%; }

/* ============== HEADER / NAV ============== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--color-border);
}
.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--color-primary-dark);
}
.brand-logo {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-accent));
  color: #fff;
  display: grid; place-items: center;
  border-radius: 10px;
  font-weight: 800;
  box-shadow: var(--shadow-sm);
}
.brand small { display: block; font-size: .7rem; font-weight: 500; color: var(--color-muted); }

.nav-links {
  list-style: none;
  display: flex;
  gap: 6px;
  margin: 0;
  padding: 0;
  align-items: center;
}
.nav-links > li { position: relative; }
.nav-links a {
  display: block;
  padding: 10px 14px;
  color: var(--color-text);
  font-weight: 500;
  font-size: .95rem;
  border-radius: 8px;
}
.nav-links a:hover, .nav-links a.active { background: var(--color-bg-alt); color: var(--color-primary-dark); }

.has-sub > a::after {
  content: " ▾"; font-size: .7em; color: var(--color-muted);
}
.submenu {
  position: absolute; top: 100%; left: 0;
  background: #fff;
  list-style: none;
  margin: 0; padding: 8px;
  border-radius: 12px;
  min-width: 220px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  opacity: 0; visibility: hidden;
  transform: translateY(8px);
  transition: all var(--transition);
}
.has-sub:hover > .submenu, .has-sub:focus-within > .submenu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.submenu a { padding: 8px 12px; font-size: .9rem; }

.nav-cta { margin-left: 12px; }

.menu-toggle {
  display: none;
  background: none; border: 0;
  width: 44px; height: 44px;
  cursor: pointer;
}
.menu-toggle span {
  display: block; width: 26px; height: 3px;
  background: var(--color-primary-dark);
  margin: 5px auto;
  border-radius: 3px;
  transition: var(--transition);
}

/* ============== HERO ============== */
.hero {
  position: relative;
  background:
    linear-gradient(135deg, rgba(7,41,74,.88), rgba(11,61,107,.78)),
    url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1600&q=70') center/cover;
  color: #fff;
  padding: 80px 0;
  overflow: hidden;
}
.hero h1 { color: #fff; margin-bottom: 16px; }
.hero p.lead { font-size: 1.1rem; color: rgba(255,255,255,.92); max-width: 640px; margin-bottom: 28px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 50px; max-width: 640px; }
.hero-stat { background: rgba(255,255,255,.1); padding: 18px; border-radius: 12px; backdrop-filter: blur(8px); border: 1px solid rgba(255,255,255,.18); }
.hero-stat strong { display: block; font-size: 1.6rem; color: var(--color-accent); }
.hero-stat span { font-size: .85rem; color: rgba(255,255,255,.85); }

/* Smaller hero for inner pages */
.page-hero {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  color: #fff;
  padding: 60px 0 50px;
  text-align: center;
}
.page-hero h1 { color: #fff; }
.page-hero p { color: rgba(255,255,255,.9); max-width: 700px; margin: 0 auto; }
.breadcrumb { font-size: .85rem; color: rgba(255,255,255,.75); margin-bottom: 8px; }
.breadcrumb a { color: var(--color-accent); }

/* ============== SECTIONS ============== */
.section { padding: 70px 0; }
.section-alt { background: var(--color-bg-soft); }
.section-title { text-align: center; margin-bottom: 12px; }
.section-sub { text-align: center; color: var(--color-muted); max-width: 720px; margin: 0 auto 50px; }

/* ============== CARD GRID ============== */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

.card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 28px;
  transition: all var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  color: #fff;
  border-radius: 14px;
  display: grid; place-items: center;
  font-size: 1.5rem;
  margin-bottom: 16px;
}
.card-icon.gold { background: linear-gradient(135deg, var(--color-accent), var(--color-accent-dark)); }
.card h3 { margin-bottom: 8px; }
.card p { font-size: .95rem; }
.card .card-link {
  font-weight: 600; color: var(--color-primary);
  display: inline-flex; align-items: center; gap: 6px; margin-top: 6px;
}
.card .card-link:hover { color: var(--color-accent-dark); }

/* Service tile */
.service-tile {
  background: #fff;
  padding: 26px;
  border-radius: var(--radius-md);
  text-align: center;
  border: 1px solid var(--color-border);
  transition: all var(--transition);
}
.service-tile:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.service-tile .icon-circle {
  width: 70px; height: 70px;
  margin: 0 auto 16px;
  background: var(--color-bg-alt);
  border-radius: 50%;
  display: grid; place-items: center;
  font-size: 1.8rem;
  color: var(--color-primary);
}

/* ============== TESTIMONIALS ============== */
.testimonial {
  background: #fff;
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1px solid var(--color-border);
  position: relative;
}
.testimonial::before {
  content: """;
  position: absolute; top: 0; left: 20px;
  font-size: 4rem;
  color: var(--color-accent);
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial-text { font-style: italic; color: var(--color-text); margin: 18px 0; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-author img {
  width: 48px; height: 48px; border-radius: 50%;
  object-fit: cover; border: 2px solid var(--color-accent);
}
.testimonial-author strong { color: var(--color-primary-dark); display: block; }
.testimonial-author span { font-size: .85rem; color: var(--color-muted); }
.stars { color: var(--color-accent); letter-spacing: 2px; }

/* ============== FEATURE / SPLIT ============== */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}
.split img { border-radius: var(--radius-md); box-shadow: var(--shadow-md); }
.feature-list { list-style: none; padding: 0; margin: 20px 0; }
.feature-list li {
  padding: 8px 0 8px 32px;
  position: relative;
  color: var(--color-text);
}
.feature-list li::before {
  content: "✓";
  position: absolute; left: 0; top: 8px;
  width: 22px; height: 22px;
  background: var(--color-success);
  color: #fff;
  border-radius: 50%;
  display: grid; place-items: center;
  font-size: .8rem; font-weight: 700;
}

/* ============== CTA BANNER ============== */
.cta-banner {
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 50px;
  text-align: center;
  margin: 60px 0;
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: rgba(255,255,255,.9); max-width: 700px; margin: 0 auto 24px; }

/* ============== FORMS ============== */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.form-grid .full { grid-column: 1 / -1; }
.form-control {
  display: block;
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 1rem;
  background: #fff;
  transition: border-color var(--transition);
}
.form-control:focus {
  outline: 0;
  border-color: var(--color-primary-light);
  box-shadow: 0 0 0 3px rgba(11,61,107,.1);
}
label { font-weight: 500; font-size: .9rem; display: block; margin-bottom: 6px; color: var(--color-text); }
textarea.form-control { min-height: 130px; resize: vertical; }

.contact-info {
  background: var(--color-bg-soft);
  padding: 30px;
  border-radius: var(--radius-md);
}
.contact-info ul { list-style: none; padding: 0; margin: 0; }
.contact-info li { padding: 12px 0; border-bottom: 1px solid var(--color-border); display: flex; gap: 12px; align-items: flex-start; }
.contact-info li:last-child { border-bottom: 0; }
.contact-info .icon {
  width: 38px; height: 38px;
  background: var(--color-primary);
  color: #fff;
  border-radius: 50%;
  display: grid; place-items: center;
  flex-shrink: 0;
}

/* ============== CALCULATORS ============== */
.calc {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 30px;
  box-shadow: var(--shadow-sm);
}
.calc h3 { margin-bottom: 20px; }
.calc-row { display: grid; grid-template-columns: 1fr; gap: 16px; }
.calc-row label { display: flex; justify-content: space-between; font-weight: 600; }
.calc-row label span { color: var(--color-primary); }
.calc-row input[type=range] { width: 100%; }
.calc-result {
  background: var(--color-bg-alt);
  padding: 18px;
  border-radius: var(--radius-sm);
  margin-top: 18px;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(140px,1fr)); gap: 12px;
}
.calc-result .item small { display: block; color: var(--color-muted); font-size: .8rem; }
.calc-result .item strong { font-size: 1.3rem; color: var(--color-primary-dark); }

/* ============== TABS ============== */
.tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 24px; border-bottom: 2px solid var(--color-border); }
.tab-btn {
  background: none; border: 0;
  padding: 12px 18px;
  font: inherit; cursor: pointer;
  color: var(--color-muted);
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  font-weight: 600;
  transition: var(--transition);
}
.tab-btn.active { color: var(--color-primary); border-bottom-color: var(--color-accent); }
.tab-pane { display: none; }
.tab-pane.active { display: block; animation: fade .25s ease; }

/* ============== FAQ ============== */
.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  background: #fff;
}
.faq-q {
  width: 100%; text-align: left;
  background: none; border: 0;
  padding: 16px 20px;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  color: var(--color-primary-dark);
}
.faq-q::after { content: "+"; font-size: 1.4rem; color: var(--color-accent); transition: var(--transition); }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 20px 18px;
  color: var(--color-text-soft);
}
.faq-item.open .faq-a { display: block; }

/* ============== FOOTER ============== */
.site-footer {
  background: var(--color-primary-dark);
  color: rgba(255,255,255,.85);
  padding: 60px 0 0;
  margin-top: 60px;
}
.site-footer h4 { color: #fff; margin-bottom: 16px; font-size: 1rem; text-transform: uppercase; letter-spacing: .5px; }
.site-footer a { color: rgba(255,255,255,.75); display: block; padding: 4px 0; font-size: .9rem; }
.site-footer a:hover { color: var(--color-accent); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 36px;
  padding-bottom: 40px;
}
.footer-brand p { color: rgba(255,255,255,.7); font-size: .9rem; }
.social { display: flex; gap: 10px; margin-top: 14px; }
.social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.08);
  border-radius: 50%;
  display: grid; place-items: center;
  padding: 0; color: #fff;
  transition: all var(--transition);
}
.social a:hover { background: var(--color-accent); transform: translateY(-3px); color: #07294a; }
.social a svg { display: block; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 20px 0;
  font-size: .85rem;
  text-align: center;
  color: rgba(255,255,255,.6);
}
.footer-bottom a { display: inline; color: rgba(255,255,255,.85); margin: 0 6px; }

.disclaimer-strip {
  background: #052038;
  color: rgba(255,255,255,.7);
  font-size: .8rem;
  padding: 16px 0;
  text-align: center;
  line-height: 1.55;
}

/* ============== UTILITIES ============== */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-1 { margin-top: 12px; }
.mt-2 { margin-top: 20px; }
.mt-3 { margin-top: 32px; }
.mb-0 { margin-bottom: 0; }
.mb-2 { margin-bottom: 20px; }
.muted { color: var(--color-muted); }

.badge {
  display: inline-block;
  padding: 4px 12px;
  background: var(--color-bg-alt);
  color: var(--color-primary);
  font-size: .8rem;
  font-weight: 600;
  border-radius: 50px;
  margin-bottom: 12px;
}
.badge-gold { background: rgba(245,166,35,.15); color: var(--color-accent-dark); }

@keyframes fade { from { opacity: 0; transform: translateY(6px);} to { opacity: 1; transform: translateY(0);} }

/* ============== RESPONSIVE ============== */
@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero { padding: 60px 0; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .form-grid { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .menu-toggle { display: block; }
  .nav-links {
    display: none;
    position: fixed;
    top: 72px; left: 0; right: 0;
    background: #fff;
    flex-direction: column;
    padding: 14px;
    border-bottom: 1px solid var(--color-border);
    box-shadow: var(--shadow-md);
    align-items: stretch;
    max-height: calc(100vh - 72px);
    overflow-y: auto;
    z-index: 99;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 14px; font-size: 1rem; }
  .submenu {
    position: static; opacity: 1; visibility: visible;
    transform: none; box-shadow: none; border: 0;
    background: var(--color-bg-soft);
    padding: 0 0 6px 14px;
    margin: 0;
    display: none;
  }
  .has-sub.open .submenu { display: block; }
  .nav-cta { margin: 10px 0 0; }
  .nav-cta .btn { display: block; text-align: center; }
  /* Prevent nav items from being visible outside the dropdown */
  .site-header { overflow: visible; }
  .menu-toggle.active span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .menu-toggle.active span:nth-child(2) { opacity: 0; }
  .menu-toggle.active span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-banner { padding: 32px 20px; }
  .hero-stats { grid-template-columns: 1fr; }
  .section { padding: 50px 0; }
}



/* ==========================================================================
   ANIMATIONS  (added for animated home-page experience)
   ========================================================================== */

/* Slow Ken Burns zoom on hero background */
@keyframes kenburns {
  0%   { transform: scale(1) translate(0,0); }
  50%  { transform: scale(1.1) translate(-1%, -1%); }
  100% { transform: scale(1) translate(0,0); }
}

/* Hero slideshow */
.hero-slider {
  position: absolute; inset: 0;
  z-index: 0;
  overflow: hidden;
}
.hero-slider .slide {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  animation: heroFade 30s infinite;
  will-change: opacity, transform;
}
.hero-slider .slide::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(7,41,74,.88), rgba(11,61,107,.78));
}
.hero-slider .slide:nth-child(1) { animation-delay: 0s; }

/* Prevent blank flash: first slide visible before animation starts */
@keyframes heroFadeFirst {
  0%   { opacity: 1; transform: scale(1);}
  20%  { opacity: 1; transform: scale(1.08);}
  24%  { opacity: 0; transform: scale(1.08);}
  100% { opacity: 0; }
}
.hero-slider .slide:nth-child(1) {
  opacity: 1;
  animation-name: heroFadeFirst;
}
.hero-slider .slide:nth-child(2) { animation-delay: 6s; }
.hero-slider .slide:nth-child(3) { animation-delay: 12s; }
.hero-slider .slide:nth-child(4) { animation-delay: 18s; }
.hero-slider .slide:nth-child(5) { animation-delay: 24s; }

@keyframes heroFade {
  0%   { opacity: 0; transform: scale(1.05);}
  4%   { opacity: 1; transform: scale(1);}
  20%  { opacity: 1; transform: scale(1.08);}
  24%  { opacity: 0; transform: scale(1.08);}
  100% { opacity: 0; }
}

.hero { position: relative; }
.hero > .container { position: relative; z-index: 2; }
/* Override the static background-image when slider is present */
.hero.has-slider { background: var(--color-primary-dark); }

/* Floating decorative shapes */
.float-shape {
  position: absolute;
  border-radius: 50%;
  opacity: .15;
  pointer-events: none;
  z-index: 1;
}
.float-shape.s1 { width: 220px; height: 220px; background: var(--color-accent); top: -60px; right: -60px; animation: floatA 9s ease-in-out infinite; }
.float-shape.s2 { width: 160px; height: 160px; background: #fff; bottom: -40px; left: 10%; animation: floatB 11s ease-in-out infinite; }
.float-shape.s3 { width: 100px; height: 100px; background: var(--color-accent); top: 30%; left: 60%; animation: floatA 13s ease-in-out infinite; }

@keyframes floatA {
  0%, 100% { transform: translate(0,0) rotate(0deg);}
  50%      { transform: translate(20px,-30px) rotate(180deg);}
}
@keyframes floatB {
  0%, 100% { transform: translate(0,0) scale(1);}
  50%      { transform: translate(-30px,20px) scale(1.1);}
}

/* Animated counter pop */
.hero-stat strong { transition: all .6s ease; }
.hero-stat:hover strong { transform: scale(1.1); color: #fff; }

/* Scroll-reveal */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity .8s ease, transform .8s ease;
}
.reveal.in {
  opacity: 1;
  transform: translateY(0);
}

/* Card hover lift already exists; add image float animation */
.float-img {
  animation: bobFloat 6s ease-in-out infinite;
}
@keyframes bobFloat {
  0%, 100% { transform: translateY(0);}
  50%      { transform: translateY(-12px);}
}

/* Marquee logo strip (partner trust band) */
.marquee {
  overflow: hidden;
  border-block: 1px solid var(--color-border);
  background: var(--color-bg-soft);
  padding: 18px 0;
}
.marquee-track {
  display: flex;
  gap: 60px;
  animation: marquee 28s linear infinite;
  width: max-content;
}
.marquee-track span {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--color-muted);
  letter-spacing: .5px;
  white-space: nowrap;
}
@keyframes marquee {
  0%   { transform: translateX(0);}
  100% { transform: translateX(-50%);}
}

/* Pulse on CTA */
.btn.pulse {
  animation: pulseBtn 2.4s ease-in-out infinite;
}
@keyframes pulseBtn {
  0%,100% { box-shadow: 0 0 0 0 rgba(245,166,35,.55);}
  50%     { box-shadow: 0 0 0 14px rgba(245,166,35,0);}
}

/* Service tile hover - icon spin */
.service-tile:hover .icon-circle { transform: rotate(8deg) scale(1.08); transition: var(--transition); }

/* Testimonial slide-in */
@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px);}
  to   { opacity: 1; transform: translateY(0);}
}
.testimonial { animation: slideUp .6s ease both; }

/* Reduced motion support */
@media (prefers-reduced-motion: reduce) {
  .hero-slider .slide,
  .float-shape,
  .float-img,
  .marquee-track,
  .btn.pulse,
  .testimonial { animation: none !important; }
  .reveal { opacity: 1; transform: none; }
}



/* ==========================================================================
   v2 ENHANCEMENTS — Utility bar, pro logo, products marketplace, articles
   ========================================================================== */

/* ---- Top utility bar (above main nav) ---- */
.utility-bar {
  background: linear-gradient(90deg, var(--color-primary-dark), var(--color-primary));
  color: rgba(255,255,255,.92);
  font-size: .82rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.utility-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 38px;
  gap: 12px;
  flex-wrap: wrap;
}
.utility-bar .util-left { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.utility-bar .util-left span { display: inline-flex; align-items: center; gap: 6px; }
.utility-bar .util-left span::before {
  content: "✓";
  display: inline-block;
  width: 14px; height: 14px;
  background: var(--color-accent);
  color: var(--color-primary-dark);
  border-radius: 50%;
  font-size: 9px;
  text-align: center;
  font-weight: 800;
  line-height: 14px;
}
.utility-bar .util-right { display: flex; align-items: center; gap: 14px; }
.utility-bar a { color: #fff; }
.utility-bar a:hover { color: var(--color-accent); }
.utility-bar .util-phone {
  font-weight: 600;
}
.utility-bar .util-phone::before { content: "📞 "; }
.utility-bar .util-login {
  background: var(--color-accent);
  color: #07294a !important;
  padding: 5px 14px;
  border-radius: 50px;
  font-weight: 700;
  font-size: .8rem;
  transition: all var(--transition);
}
.utility-bar .util-login:hover { background: #fff; color: var(--color-primary-dark) !important; }

/* ---- Improved professional logo ---- */
.brand {
  font-weight: 800;
  font-size: 1.2rem;
  line-height: 1.1;
}
.brand-svg {
  width: 50px;
  height: 50px;
  flex-shrink: 0;
}
.brand-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.brand-text strong {
  color: var(--color-primary-dark);
  font-size: 1.18rem;
  font-weight: 800;
  letter-spacing: -.3px;
  line-height: 1;
}
.brand-text strong em {
  font-style: normal;
  color: var(--color-accent-dark);
}
.brand-text small {
  font-size: .68rem;
  font-weight: 600;
  color: var(--color-muted);
  letter-spacing: .4px;
  text-transform: uppercase;
}

/* ---- Products marketplace grid (GroMo-style) ---- */
.products-section { padding: 60px 0; }
.product-category {
  margin-bottom: 36px;
}
.product-category h3 {
  font-size: 1.1rem;
  color: var(--color-primary-dark);
  margin-bottom: 16px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 10px;
  padding-bottom: 8px;
  border-bottom: 3px solid var(--color-accent);
}
.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 14px;
}
.product-tile {
  background: #fff;
  border: 1.5px solid var(--color-border);
  border-radius: 12px;
  padding: 18px 12px;
  text-align: center;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 100px;
  text-decoration: none;
  position: relative;
  overflow: hidden;
}
.product-tile:hover {
  border-color: var(--color-accent);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(11,61,107,.1);
}
.product-tile::after {
  content: "↗";
  position: absolute;
  top: 8px; right: 10px;
  font-size: .9rem;
  color: var(--color-muted);
  opacity: 0;
  transition: opacity var(--transition);
}
.product-tile:hover::after { opacity: 1; color: var(--color-accent-dark); }
.product-tile .pt-logo {
  font-weight: 800;
  font-size: 1rem;
  color: var(--color-primary);
  background: linear-gradient(135deg, var(--color-bg-alt), #fff);
  padding: 10px 12px;
  border-radius: 8px;
  margin-bottom: 8px;
  width: 100%;
}
.product-tile .pt-name {
  font-size: .8rem;
  font-weight: 600;
  color: var(--color-text);
  line-height: 1.3;
}

/* Distinct color variants for category accents */
.cat-credit-card .product-tile .pt-logo { background: linear-gradient(135deg, #e8f0fe, #d7e3f7); color: #1a5a96; }
.cat-saving .product-tile .pt-logo     { background: linear-gradient(135deg, #fff8e1, #ffecb3); color: #d68910; }
.cat-demat .product-tile .pt-logo      { background: linear-gradient(135deg, #e8f5e9, #c8e6c9); color: #2e7d32; }
.cat-personal-loan .product-tile .pt-logo { background: linear-gradient(135deg, #fce4ec, #f8bbd0); color: #ad1457; }
.cat-investment .product-tile .pt-logo { background: linear-gradient(135deg, #ede7f6, #d1c4e9); color: #4527a0; }
.cat-credit-line .product-tile .pt-logo { background: linear-gradient(135deg, #fff3e0, #ffe0b2); color: #e65100; }

/* ---- Long-form articles for SEO ---- */
.article {
  max-width: 880px;
  margin: 0 auto;
  background: #fff;
  padding: 40px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
}
.article h2 { color: var(--color-primary-dark); margin-top: 32px; margin-bottom: 14px; }
.article h2:first-child { margin-top: 0; }
.article h3 { color: var(--color-primary); margin-top: 24px; }
.article p, .article li { color: var(--color-text); font-size: 1rem; line-height: 1.75; }
.article ul, .article ol { padding-left: 24px; margin-bottom: 18px; }
.article li { margin-bottom: 6px; }
.article blockquote {
  border-left: 4px solid var(--color-accent);
  padding: 12px 18px;
  background: var(--color-bg-alt);
  margin: 18px 0;
  font-style: italic;
  color: var(--color-text);
}
.article table {
  width: 100%;
  border-collapse: collapse;
  margin: 18px 0;
}
.article th, .article td {
  border: 1px solid var(--color-border);
  padding: 10px 14px;
  text-align: left;
}
.article th {
  background: var(--color-primary);
  color: #fff;
  font-weight: 600;
}
.article tr:nth-child(even) td { background: var(--color-bg-soft); }

/* AMFI / IRDA compliance ribbon */
.compliance-ribbon {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 16px 22px;
  margin: 30px auto;
  max-width: 900px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  font-size: .9rem;
}
.compliance-ribbon b {
  color: var(--color-primary-dark);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.compliance-ribbon b::before {
  content: "✓";
  background: var(--color-success);
  color: #fff;
  width: 18px; height: 18px;
  border-radius: 50%;
  display: inline-grid; place-items: center;
  font-size: .7rem;
}

/* Responsive utility bar */
@media (max-width: 720px) {
  .utility-bar { font-size: .75rem; }
  .utility-bar .container { height: auto; padding: 8px 16px; flex-direction: column; gap: 6px; }
  .utility-bar .util-left { gap: 10px; justify-content: center; }
  .utility-bar .util-right { gap: 10px; }
  .article { padding: 24px 18px; }
  .product-grid { grid-template-columns: repeat(auto-fill, minmax(120px, 1fr)); gap: 10px; }
  .brand-text strong { font-size: 1rem; }
  .brand-text small { font-size: .6rem; }
}



/* ==========================================================================
   LEAD FORM MODAL — site-wide popup for insurance enquiries
   ========================================================================== */
.lead-modal {
  position: fixed; inset: 0;
  z-index: 9999;
  display: none;
  align-items: center; justify-content: center;
  padding: 16px;
}
.lead-modal.open { display: flex; animation: lmFade .25s ease; }
.lead-modal .lm-backdrop {
  position: absolute; inset: 0;
  background: rgba(7, 41, 74, 0.78);
  backdrop-filter: blur(6px);
}
.lead-modal .lm-card {
  position: relative;
  background: #fff;
  width: 100%; max-width: 520px;
  max-height: calc(100vh - 32px);
  border-radius: 16px;
  box-shadow: 0 30px 80px rgba(0,0,0,.4);
  padding: 32px 28px 24px;
  overflow-y: auto;
  animation: lmSlide .35s cubic-bezier(.2,.9,.3,1.2);
}
.lead-modal .lm-close {
  position: absolute; top: 12px; right: 12px;
  width: 36px; height: 36px;
  background: var(--color-bg-alt); border: 0;
  border-radius: 50%;
  font-size: 1.3rem; font-weight: 700;
  color: var(--color-primary-dark); cursor: pointer;
  transition: all var(--transition);
}
.lead-modal .lm-close:hover { background: var(--color-accent); color: #fff; transform: rotate(90deg); }
.lead-modal h3 {
  font-size: 1.35rem;
  color: var(--color-primary-dark);
  margin-bottom: 4px;
}
.lead-modal .lm-sub { font-size: .9rem; color: var(--color-muted); margin-bottom: 18px; }
.lead-modal .lm-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}
.lead-modal .lm-grid .full { grid-column: 1 / -1; }
.lead-modal label {
  font-size: .78rem; font-weight: 600;
  color: var(--color-text); margin-bottom: 4px;
  text-transform: uppercase; letter-spacing: .3px;
}
.lead-modal input,
.lead-modal select,
.lead-modal textarea {
  width: 100%; padding: 11px 12px;
  border: 1.5px solid var(--color-border);
  border-radius: 8px; font-family: inherit; font-size: .95rem;
  background: #fff; color: var(--color-text);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.lead-modal input:focus,
.lead-modal select:focus,
.lead-modal textarea:focus {
  outline: 0; border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(245,166,35,.15);
}
.lead-modal textarea { min-height: 80px; resize: vertical; }
.lead-modal .lm-actions {
  display: flex; gap: 10px; margin-top: 8px; flex-wrap: wrap;
}
.lead-modal .lm-actions .btn { flex: 1; min-width: 130px; padding: 12px 18px; }
.lead-modal .lm-trust {
  display: flex; gap: 16px; flex-wrap: wrap;
  font-size: .75rem; color: var(--color-muted);
  border-top: 1px solid var(--color-border);
  padding-top: 12px; margin-top: 14px;
  justify-content: center; text-align: center;
}
.lead-modal .lm-trust b { color: var(--color-primary-dark); }
.lead-modal .lm-success {
  text-align: center; padding: 20px 0;
}
.lead-modal .lm-success .check {
  width: 64px; height: 64px;
  background: var(--color-success); color: #fff;
  border-radius: 50%; display: grid; place-items: center;
  font-size: 2rem; margin: 0 auto 14px;
  animation: lmPop .4s cubic-bezier(.2,1.4,.4,1);
}

@keyframes lmFade { from { opacity: 0; } to { opacity: 1; } }
@keyframes lmSlide { from { opacity: 0; transform: translateY(20px) scale(.96);} to { opacity: 1; transform: translateY(0) scale(1);} }
@keyframes lmPop  { from { transform: scale(0); } to { transform: scale(1); } }

@media (max-width: 540px) {
  .lead-modal .lm-grid { grid-template-columns: 1fr; }
  .lead-modal .lm-card { padding: 26px 20px 20px; }
}

/* "click-card" hover state for insurance cards using data-lead */
.card[data-lead] { cursor: pointer; }
.card[data-lead]:hover { border-color: var(--color-accent); }

/* ==========================================================================
   MARKET TICKER — Live index prices & MF NAVs
   ========================================================================== */
.market-ticker {
  background: linear-gradient(90deg, #0a1628, #0f2440);
  border-bottom: 1px solid rgba(255,255,255,.06);
  overflow: hidden;
  position: relative;
  height: 42px;
  display: flex;
  align-items: center;
}
.market-ticker::before,
.market-ticker::after {
  content: "";
  position: absolute;
  top: 0; bottom: 0;
  width: 60px;
  z-index: 2;
  pointer-events: none;
}
.market-ticker::before {
  left: 0;
  background: linear-gradient(90deg, #0a1628, transparent);
}
.market-ticker::after {
  right: 0;
  background: linear-gradient(270deg, #0a1628, transparent);
}
.market-ticker .ticker-label {
  position: absolute;
  left: 0; top: 0; bottom: 0;
  background: var(--color-accent);
  color: var(--color-primary-dark);
  font-weight: 700;
  font-size: .72rem;
  padding: 0 14px;
  display: flex;
  align-items: center;
  gap: 5px;
  z-index: 3;
  letter-spacing: .3px;
  text-transform: uppercase;
  white-space: nowrap;
}
.market-ticker .ticker-label::after {
  content: "";
  position: absolute;
  right: -12px; top: 0; bottom: 0;
  width: 12px;
  background: linear-gradient(90deg, var(--color-accent), transparent);
}
.ticker-track {
  display: flex;
  gap: 0;
  animation: tickerScroll 60s linear infinite;
  padding-left: 110px;
  width: max-content;
}
.ticker-track:hover {
  animation-play-state: paused;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0 22px;
  font-size: .8rem;
  color: rgba(255,255,255,.9);
  white-space: nowrap;
  border-right: 1px solid rgba(255,255,255,.08);
  height: 42px;
}
.ticker-item:last-child { border-right: 0; }
.ticker-item .ticker-name {
  font-weight: 600;
  color: #fff;
  font-size: .78rem;
}
.ticker-item .ticker-price {
  font-weight: 700;
  font-size: .82rem;
  color: var(--color-accent);
}
.ticker-item .ticker-change {
  font-size: .72rem;
  font-weight: 600;
  padding: 2px 6px;
  border-radius: 4px;
}
.ticker-item .ticker-change.up {
  color: #22c55e;
  background: rgba(34,197,94,.1);
}
.ticker-item .ticker-change.down {
  color: #ef4444;
  background: rgba(239,68,68,.1);
}
.ticker-item .ticker-nav {
  font-size: .68rem;
  color: rgba(255,255,255,.5);
  font-weight: 500;
}
.ticker-item.is-mf .ticker-name {
  font-size: .72rem;
  max-width: 140px;
  overflow: hidden;
  text-overflow: ellipsis;
}
.ticker-item.is-mf .ticker-price {
  color: #60a5fa;
}

@keyframes tickerScroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* Second ticker row — Market, Gainers, Losers, Blue-chips */
.market-ticker-2 {
  background: linear-gradient(90deg, #081420, #0c1e35);
  border-top: 1px solid rgba(255,255,255,.04);
  height: 38px;
}
.market-ticker-2::before {
  left: 0;
  background: linear-gradient(90deg, #081420, transparent);
}
.market-ticker-2::after {
  right: 0;
  background: linear-gradient(270deg, #081420, transparent);
}
.ticker-label-gl {
  background: linear-gradient(135deg, #1a5a96, #0b3d6b) !important;
  color: #fff !important;
  font-size: .68rem !important;
}
.ticker-label-gl::after {
  background: linear-gradient(90deg, #1a5a96, transparent) !important;
}
.ticker-track-2 {
  animation: tickerScroll 50s linear infinite;
}
/* Index items */
.ticker-index .ticker-name { color: #fbbf24 !important; font-weight: 700 !important; }
.ticker-index .ticker-price { color: #fde68a !important; }
/* Commodity items */
.ticker-commodity .ticker-name { color: #f59e0b !important; }
.ticker-commodity .ticker-price { color: #fcd34d !important; }
/* Gainer items */
.ticker-gainer .ticker-name { color: #4ade80 !important; }
.ticker-gainer .ticker-price { color: #86efac !important; }
/* Loser items */
.ticker-loser .ticker-name { color: #f87171 !important; }
.ticker-loser .ticker-price { color: #fca5a5 !important; }
/* Blue-chip items */
.ticker-bluechip .ticker-name { color: #93c5fd !important; }
.ticker-bluechip .ticker-price { color: #bfdbfe !important; }
/* Separator / divider labels */
.ticker-separator {
  border-right: none !important;
  padding: 0 14px !important;
}
.ticker-divider {
  color: rgba(255,255,255,.5);
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .5px;
  text-transform: uppercase;
}

@media (max-width: 720px) {
  .market-ticker-2 { height: 34px; }
  .market-ticker-2 .ticker-item { height: 34px; }
  .ticker-label-gl { font-size: .6rem !important; padding: 0 8px !important; }
}

@media (max-width: 720px) {
  .market-ticker { height: 36px; }
  .ticker-item { font-size: .72rem; padding: 0 16px; height: 36px; }
  .market-ticker .ticker-label { font-size: .65rem; padding: 0 10px; }
  .ticker-track { padding-left: 90px; }
}



/* ==========================================================================
   OTHERS SECTION — Premium Card-Based Design
   ========================================================================== */
.others-section {
  background: linear-gradient(180deg, #fff, var(--color-bg-soft));
  padding: 70px 0;
}
.others-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.others-card-wide {
  grid-column: 1 / -1;
}
.others-card {
  background: #fff;
  border: 1.5px solid var(--color-border);
  border-radius: 16px;
  padding: 28px 24px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.others-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-accent));
  border-radius: 16px 16px 0 0;
}
.others-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(11, 61, 107, .12);
  border-color: transparent;
}
.others-card-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.others-card-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--color-bg-alt), #fff);
  border: 1px solid var(--color-border);
  border-radius: 12px;
  display: grid;
  place-items: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.others-card h4 {
  color: var(--color-primary-dark);
  font-size: .9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
  margin: 0;
}
.others-card-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}
.others-card-links a {
  display: inline-block;
  padding: 8px 16px;
  background: var(--color-bg-soft);
  border: 1.5px solid var(--color-border);
  border-radius: 50px;
  font-size: .84rem;
  font-weight: 500;
  color: var(--color-text);
  transition: all var(--transition);
  text-decoration: none;
}
.others-card-links a:hover,
.others-card-links a.active {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
  transform: scale(1.05);
}
@media (max-width: 900px) {
  .others-cards { grid-template-columns: 1fr 1fr; }
  .others-card-wide { grid-column: 1 / -1; }
}
@media (max-width: 540px) {
  .others-cards { grid-template-columns: 1fr; }
  .others-card { padding: 22px 18px; }
}
  .others-card { padding: 22px 18px; }
}



/* TradingView Ticker Widget */
.tradingview-ticker-wrap {
  background: #1e222d;
  border-bottom: 1px solid rgba(255,255,255,.06);
  overflow: hidden;
  height: 46px;
}
.tradingview-ticker-wrap .tradingview-widget-container {
  height: 46px;
}
@media (max-width: 720px) {
  .tradingview-ticker-wrap { height: 40px; }
  .tradingview-ticker-wrap .tradingview-widget-container { height: 40px; }
}