/* ==========================================================================
   Nawkar Finance — Design System
   Deep Navy + Gold. Static CSS, no build step, no framework.
   ========================================================================== */

:root{
  /* Brand */
  --navy-950:#04101F;
  --navy-900:#061A33;
  --navy-800:#0B2545;
  --navy-700:#123B6D;
  --navy-600:#1B4F91;
  --navy-500:#2C6BBE;
  --gold-600:#7E5D07;   /* text-safe gold: >=4.5:1 on gold-100 and cream */
  --gold-500:#D4A02C;
  --gold-400:#E9B94A;
  --gold-300:#F4D06F;
  --gold-100:#FBEFD2;

  /* Neutrals */
  --ink:#0D1B2A;
  --body:#42546B;
  --muted:#5A6B80;
  --line:#E3E9F1;
  --line-soft:#EFF3F8;
  --surface:#FFFFFF;
  --surface-2:#F6F8FC;
  --cream:#FCF9F2;

  /* Feedback */
  --ok:#16794C;
  --warn:#B45309;
  --err:#C0392B;

  /* Type */
  --ff-head:'Plus Jakarta Sans','Segoe UI',system-ui,-apple-system,sans-serif;
  --ff-body:'Inter','Segoe UI',system-ui,-apple-system,sans-serif;

  /* Space & shape */
  --r-sm:8px; --r-md:14px; --r-lg:20px; --r-xl:28px; --r-pill:999px;
  --shadow-sm:0 1px 2px rgba(13,27,42,.06), 0 1px 3px rgba(13,27,42,.05);
  --shadow-md:0 8px 24px -8px rgba(11,37,69,.16), 0 2px 8px rgba(11,37,69,.05);
  --shadow-lg:0 28px 60px -20px rgba(11,37,69,.28), 0 8px 20px -12px rgba(11,37,69,.14);
  --shadow-gold:0 14px 34px -12px rgba(184,134,15,.5);
  --maxw:1180px;
  --header-h:78px;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{
  margin:0;font-family:var(--ff-body);font-size:16.5px;line-height:1.65;
  color:var(--body);background:var(--surface);
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--navy-600);text-decoration:none}
a:hover{color:var(--navy-700)}
button{font:inherit}
h1,h2,h3,h4,h5{font-family:var(--ff-head);color:var(--ink);margin:0 0 .5em;line-height:1.18;font-weight:800;letter-spacing:-.02em}
h1{font-size:clamp(2.15rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.75rem,3.2vw,2.6rem)}
h3{font-size:clamp(1.15rem,1.7vw,1.42rem);letter-spacing:-.01em}
h4{font-size:1.05rem;letter-spacing:-.01em}
p{margin:0 0 1rem}
ul{margin:0 0 1rem;padding-left:1.15rem}
li{margin-bottom:.45rem}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
:focus-visible{outline:3px solid var(--gold-400);outline-offset:2px;border-radius:4px}

/* ---------- Layout ---------- */
.container{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:22px}
.section{padding:clamp(56px,7vw,104px) 0}
.section--tight{padding:clamp(44px,5vw,72px) 0}
.section--alt{background:var(--surface-2)}
.section--cream{background:var(--cream)}
.section--navy{background:var(--navy-800);color:#C6D5E8}
.section--navy h2,.section--navy h3,.section--navy h4{color:#fff}
.grid{display:grid;gap:26px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(34px,5vw,68px);align-items:center}
.split--wide-left{grid-template-columns:1.08fr .92fr}
.text-center{text-align:center}
.mx-auto{margin-inline:auto}
.mw-720{max-width:720px}
.mw-640{max-width:640px}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.stack>*+*{margin-top:1rem}

/* ---------- Type helpers ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--ff-head);font-size:.74rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold-600);
  background:var(--gold-100);border:1px solid rgba(184,134,15,.22);
  padding:6px 14px;border-radius:var(--r-pill);margin-bottom:16px;
}
.section--navy .eyebrow{color:var(--gold-300);background:rgba(233,185,74,.12);border-color:rgba(233,185,74,.28)}
.eyebrow::before{content:"";width:6px;height:6px;border-radius:50%;background:currentColor}
.lead{font-size:1.09rem;color:var(--muted);line-height:1.7}
.section--navy .lead,.section--navy p{color:#B8CAE0}
.gold{color:var(--gold-500)}
.section-head{max-width:660px;margin-bottom:clamp(32px,4vw,52px)}
.section-head.text-center{margin-inline:auto}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--ff-head);font-weight:700;font-size:.96rem;letter-spacing:-.01em;
  padding:14px 26px;border-radius:var(--r-pill);border:1.5px solid transparent;
  cursor:pointer;transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  text-align:center;line-height:1.2;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn svg{width:17px;height:17px;flex:none}
.btn--gold{background:linear-gradient(135deg,var(--gold-400),var(--gold-500));color:var(--navy-900);box-shadow:var(--shadow-gold)}
.btn--gold:hover{color:var(--navy-900);box-shadow:0 18px 40px -12px rgba(184,134,15,.62)}
.btn--navy{background:var(--navy-800);color:#fff;box-shadow:var(--shadow-md)}
.btn--navy:hover{background:var(--navy-700);color:#fff}
.btn--ghost{border-color:var(--line);background:#fff;color:var(--navy-800)}
.btn--ghost:hover{border-color:var(--navy-600);color:var(--navy-700)}
.btn--ghost-light{border-color:rgba(255,255,255,.32);background:transparent;color:#fff}
.btn--ghost-light:hover{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.55)}
.btn--sm{padding:10px 20px;font-size:.88rem}
.btn--lg{padding:17px 34px;font-size:1.02rem}
.btn--block{display:flex;width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.link-arrow{display:inline-flex;align-items:center;gap:7px;font-family:var(--ff-head);font-weight:700;font-size:.92rem;color:var(--navy-600)}
.link-arrow svg{width:15px;height:15px;transition:transform .2s ease}
.link-arrow:hover svg{transform:translateX(4px)}

/* ---------- Header ---------- */
.topbar{background:var(--navy-900);color:#9FB6D1;font-size:.82rem}
.topbar__in{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:40px;flex-wrap:wrap}
.topbar a{color:#CBDAEC}
.topbar a:hover{color:var(--gold-300)}
.topbar__list{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.topbar__item{display:inline-flex;align-items:center;gap:7px}
.topbar__item svg{width:14px;height:14px;color:var(--gold-400)}

.site-header{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line-soft);transition:box-shadow .25s ease}
.site-header.is-stuck{box-shadow:0 6px 26px -12px rgba(11,37,69,.28)}
.nav{display:flex;align-items:center;gap:26px;min-height:var(--header-h)}
.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand__mark{width:44px;height:44px;flex:none}
.brand__text{display:flex;flex-direction:column;line-height:1}
.brand__name{font-family:var(--ff-head);font-weight:800;font-size:1.42rem;letter-spacing:-.035em;color:var(--navy-800)}
.brand__name span{color:var(--gold-500)}
.brand__tag{font-size:.6rem;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-top:4px}
.nav__menu{display:flex;align-items:center;gap:4px;margin-left:auto;list-style:none;padding:0;margin-block:0}
.nav__link{
  display:block;padding:10px 14px;border-radius:var(--r-sm);
  font-family:var(--ff-head);font-weight:600;font-size:.94rem;color:var(--navy-800);
  transition:background .18s ease,color .18s ease;
}
.nav__link:hover{background:var(--surface-2);color:var(--navy-700)}
.nav__link.is-active{color:var(--navy-600);background:#EDF3FB}
.nav__cta{margin-left:14px;flex:none}
.nav__item{position:relative}
.nav__item--has-menu>.nav__link::after{content:"";display:inline-block;width:6px;height:6px;margin-left:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-2px) rotate(45deg);opacity:.6}
.dropdown{
  position:absolute;top:calc(100% + 8px);left:0;min-width:286px;background:#fff;
  border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-lg);
  padding:8px;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .18s ease,transform .18s ease,visibility .18s;
}
.nav__item--has-menu:hover .dropdown,.nav__item--has-menu:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:flex;gap:11px;align-items:flex-start;padding:10px 12px;border-radius:var(--r-sm);color:var(--ink)}
.dropdown a:hover{background:var(--surface-2)}
.dropdown strong{display:block;font-family:var(--ff-head);font-size:.92rem;font-weight:700}
.dropdown small{color:var(--muted);font-size:.78rem;line-height:1.45;display:block}
.dropdown svg{width:19px;height:19px;color:var(--gold-500);flex:none;margin-top:3px}
.nav__toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer;margin-left:auto}
.nav__toggle span{display:block;width:20px;height:2px;background:var(--navy-800);position:relative;transition:background .2s}
.nav__toggle span::before,.nav__toggle span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--navy-800);transition:transform .25s ease,top .25s ease}
.nav__toggle span::before{top:-6px}.nav__toggle span::after{top:6px}
.nav__toggle[aria-expanded="true"] span{background:transparent}
.nav__toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.nav__toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(160deg,var(--navy-900) 0%,var(--navy-800) 46%,var(--navy-700) 100%);color:#C6D5E8;overflow:hidden;padding:clamp(56px,7vw,92px) 0 clamp(64px,8vw,110px)}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(760px 420px at 88% 6%, rgba(233,185,74,.20), transparent 62%),
  radial-gradient(620px 380px at 4% 92%, rgba(44,107,190,.34), transparent 66%);
  pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;opacity:.35;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);
  background-size:52px 52px;mask-image:radial-gradient(circle at 50% 40%,#000,transparent 78%)}
.hero .container{position:relative;z-index:2}
.hero h1{color:#fff;margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--gold-400);position:relative;white-space:nowrap}
.hero p{color:#B8CAE0;font-size:1.1rem;max-width:52ch}
.hero__grid{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(32px,5vw,60px);align-items:center}
.hero__badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero__badge{display:inline-flex;align-items:center;gap:9px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);padding:9px 16px;border-radius:var(--r-pill);font-size:.83rem;font-weight:600;color:#DCE7F4;font-family:var(--ff-head)}
.hero__badge svg{width:15px;height:15px;color:var(--gold-400)}
.hero__art{position:relative}
.hero__art svg{filter:drop-shadow(0 34px 60px rgba(4,16,31,.5))}

/* ---------- Page banner (inner pages) ---------- */
.pagehead{position:relative;background:linear-gradient(150deg,var(--navy-900),var(--navy-700));color:#C6D5E8;padding:clamp(46px,6vw,78px) 0;overflow:hidden}
.pagehead::before{content:"";position:absolute;inset:0;background:radial-gradient(620px 340px at 92% 10%,rgba(233,185,74,.20),transparent 60%)}
.pagehead .container{position:relative;z-index:2}
.pagehead h1{color:#fff;margin-bottom:12px}
.pagehead p{color:#B8CAE0;max-width:62ch;margin-bottom:0}
.crumb{display:flex;gap:9px;align-items:center;font-size:.85rem;color:#93AAC6;margin-bottom:16px;flex-wrap:wrap}
.crumb a{color:#C6D5E8}
.crumb a:hover{color:var(--gold-300)}
.crumb span{opacity:.5}

/* ---------- Cards ---------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease;position:relative;overflow:hidden}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:#D5E0EE}
.card h3{margin-bottom:10px}
.card p{color:var(--muted);font-size:.95rem;margin-bottom:0}
.card__icon{width:56px;height:56px;border-radius:16px;display:grid;place-items:center;margin-bottom:20px;background:linear-gradient(140deg,var(--navy-800),var(--navy-600));box-shadow:0 10px 22px -12px rgba(11,37,69,.7)}
.card__icon svg{width:27px;height:27px;color:var(--gold-400)}
.card--gold .card__icon{background:linear-gradient(140deg,var(--gold-500),var(--gold-300))}
.card--gold .card__icon svg{color:var(--navy-900)}

/* Product card */
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;transition:transform .22s ease,box-shadow .22s ease}
.pcard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.pcard__top{padding:28px 28px 0}
.pcard__body{padding:22px 28px 28px;display:flex;flex-direction:column;flex:1}
.pcard__body>p:first-child{flex:1}
.pcard__specs{list-style:none;padding:0;margin:18px 0;border-top:1px dashed var(--line);border-bottom:1px dashed var(--line)}
.pcard__specs li{display:flex;justify-content:space-between;gap:14px;padding:9px 0;font-size:.88rem;margin:0;border-bottom:1px solid var(--line-soft)}
.pcard__specs li:last-child{border-bottom:0}
.pcard__specs dt,.pcard__specs .k{color:var(--muted)}
.pcard__specs .v{font-family:var(--ff-head);font-weight:700;color:var(--ink);text-align:right}
.pcard__foot{margin-top:auto;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 11px;border-radius:var(--r-pill);background:var(--gold-100);color:var(--gold-600);font-family:var(--ff-head)}
.tag--navy{background:#E9F0F9;color:var(--navy-600)}
.tag--green{background:#E3F4EC;color:var(--ok)}

/* Feature / step */
.step{position:relative;padding-left:66px}
.step__n{position:absolute;left:0;top:0;width:48px;height:48px;border-radius:14px;display:grid;place-items:center;font-family:var(--ff-head);font-weight:800;font-size:1.1rem;color:var(--navy-900);background:linear-gradient(140deg,var(--gold-300),var(--gold-500));box-shadow:var(--shadow-gold)}
.step h4{margin-bottom:6px}
.step p{font-size:.93rem;color:var(--muted);margin-bottom:0}
.section--navy .step p{color:#A9BFD8}

/* Stat strip */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.stat{text-align:center;padding:26px 16px;border-radius:var(--r-lg);background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.11)}
.stat__v{font-family:var(--ff-head);font-weight:800;font-size:clamp(1.9rem,3.4vw,2.55rem);color:var(--gold-400);letter-spacing:-.03em;line-height:1}
.stat__l{font-size:.85rem;color:#A9BFD8;margin-top:9px;letter-spacing:.02em}
.stats--light .stat{background:#fff;border-color:var(--line);box-shadow:var(--shadow-sm)}
.stats--light .stat__v{color:var(--navy-700)}
.stats--light .stat__l{color:var(--muted)}

/* Checklist */
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding-left:34px;margin-bottom:13px;font-size:.96rem}
.checks li::before{
  content:"";position:absolute;left:0;top:4px;width:21px;height:21px;border-radius:50%;
  background:var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%237E5D07' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat;
}
.section--navy .checks li::before{background-color:rgba(233,185,74,.16)}

/* Media object */
.media{display:flex;gap:16px;align-items:flex-start}
.media__ic{width:46px;height:46px;flex:none;border-radius:13px;display:grid;place-items:center;background:#EDF3FB}
.media__ic svg{width:22px;height:22px;color:var(--navy-600)}
.media h4{margin-bottom:5px}
.media p{font-size:.92rem;color:var(--muted);margin-bottom:0}
.section--navy .media__ic{background:rgba(233,185,74,.13)}
.section--navy .media__ic svg{color:var(--gold-400)}
.section--navy .media p{color:#A9BFD8}

/* ---------- EMI Calculator ---------- */
.emi{display:grid;grid-template-columns:1.12fr .88fr;gap:0;border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-lg);background:#fff;border:1px solid var(--line)}
.emi__form{padding:clamp(26px,3.4vw,42px)}
.emi__out{padding:clamp(26px,3.4vw,42px);background:linear-gradient(155deg,var(--navy-800),var(--navy-700));color:#C6D5E8;display:flex;flex-direction:column}
.field{margin-bottom:26px}
.field__top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px}
.field__top label{font-family:var(--ff-head);font-weight:700;font-size:.92rem;color:var(--ink)}
.field__val{display:inline-flex;align-items:center;gap:2px;background:var(--surface-2);border:1px solid var(--line);border-radius:10px;padding:5px 11px;font-family:var(--ff-head);font-weight:700;color:var(--navy-700);font-size:.95rem}
.field__val input{width:92px;border:0;background:transparent;font:inherit;color:inherit;text-align:right;padding:0;-moz-appearance:textfield}
.field__val input::-webkit-outer-spin-button,.field__val input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.field__val input.w-sm{width:56px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:var(--line);outline:none;margin:0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--gold-500);box-shadow:0 3px 9px rgba(11,37,69,.28);cursor:pointer;transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.12)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--gold-500);box-shadow:0 3px 9px rgba(11,37,69,.28);cursor:pointer}
.field__scale{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-top:8px}
.emi__amt{font-family:var(--ff-head);font-weight:800;font-size:clamp(2.1rem,4vw,2.9rem);color:var(--gold-400);letter-spacing:-.03em;line-height:1.1;margin:6px 0 4px}
.emi__label{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:#8FA8C6;font-weight:700}
.emi__rows{list-style:none;padding:0;margin:26px 0 0}
.emi__rows li{display:flex;justify-content:space-between;gap:14px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.11);font-size:.92rem}
.emi__rows li:last-child{border-bottom:0}
.emi__rows b{font-family:var(--ff-head);color:#fff;font-weight:700}
.emi__bar{display:flex;height:10px;border-radius:99px;overflow:hidden;margin-top:24px;background:rgba(255,255,255,.12)}
.emi__bar i{display:block;height:100%}
.emi__legend{display:flex;gap:20px;margin-top:12px;font-size:.79rem;color:#A9BFD8;flex-wrap:wrap}
.emi__legend span{display:inline-flex;align-items:center;gap:7px}
.emi__legend i{width:10px;height:10px;border-radius:3px;display:inline-block}
.emi__note{margin-top:auto;padding-top:22px;font-size:.78rem;color:#9DB3CC;line-height:1.6}

/* ---------- Accordion ---------- */
.acc{border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;background:#fff}
.acc__item+.acc__item{border-top:1px solid var(--line)}
.acc__btn{width:100%;display:flex;justify-content:space-between;align-items:center;gap:18px;text-align:left;padding:20px 24px;background:none;border:0;cursor:pointer;font-family:var(--ff-head);font-weight:700;font-size:1rem;color:var(--ink)}
.acc__btn:hover{background:var(--surface-2)}
.acc__btn i{flex:none;width:26px;height:26px;border-radius:50%;background:var(--gold-100);position:relative;transition:transform .25s ease,background .25s ease}
.acc__btn i::before,.acc__btn i::after{content:"";position:absolute;left:50%;top:50%;background:var(--gold-600);border-radius:2px;transform:translate(-50%,-50%)}
.acc__btn i::before{width:11px;height:2.2px}
.acc__btn i::after{width:2.2px;height:11px;transition:transform .25s ease,opacity .25s}
.acc__btn[aria-expanded="true"] i{background:var(--navy-700)}
.acc__btn[aria-expanded="true"] i::before,.acc__btn[aria-expanded="true"] i::after{background:#fff}
.acc__btn[aria-expanded="true"] i::after{transform:translate(-50%,-50%) scaleY(0);opacity:0}
.acc__panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}
.acc__panel[data-open="true"]{grid-template-rows:1fr}
.acc__panel>div{overflow:hidden}
.acc__panel p,.acc__panel ul{padding:0 24px;margin:0 0 20px;color:var(--muted);font-size:.95rem}
.acc__panel ul{padding-left:44px}

/* ---------- Tables ---------- */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.93rem;min-width:520px}
thead th{background:var(--navy-800);color:#fff;font-family:var(--ff-head);font-weight:700;text-align:left;padding:15px 18px;font-size:.86rem;letter-spacing:.02em}
tbody td{padding:14px 18px;border-bottom:1px solid var(--line-soft);vertical-align:top}
tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:var(--surface-2)}

/* ---------- Forms ---------- */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(26px,3.4vw,40px);box-shadow:var(--shadow-md)}
.form__grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form__row{display:flex;flex-direction:column;gap:7px}
.form__row--full{grid-column:1/-1}
.form__row label{font-family:var(--ff-head);font-weight:700;font-size:.86rem;color:var(--ink)}
.form__row label .req{color:var(--err)}
.form__row input,.form__row select,.form__row textarea{
  width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:11px;
  font:inherit;font-size:.95rem;color:var(--ink);background:#fff;transition:border-color .18s ease,box-shadow .18s ease;
}
.form__row textarea{min-height:118px;resize:vertical}
.form__row select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236B7D93' stroke-width='2.6' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:17px;padding-right:42px}
.form__row input:focus,.form__row select:focus,.form__row textarea:focus{outline:none;border-color:var(--navy-500);box-shadow:0 0 0 4px rgba(44,107,190,.12)}
.form__row input[aria-invalid="true"],.form__row select[aria-invalid="true"],.form__row textarea[aria-invalid="true"]{border-color:var(--err);box-shadow:0 0 0 4px rgba(192,57,43,.1)}
.form__err{font-size:.78rem;color:var(--err);min-height:1em;font-weight:600}
.form__consent{display:flex;gap:11px;align-items:flex-start;font-size:.84rem;color:var(--muted);line-height:1.55}
.form__consent input{width:19px;height:19px;flex:none;margin-top:2px;accent-color:var(--navy-600)}
.form__note{font-size:.78rem;color:var(--muted);margin:14px 0 0;line-height:1.6}
.form__ok{display:none;gap:14px;align-items:flex-start;background:#E9F7F0;border:1px solid #B6E2CD;color:#0F5637;border-radius:var(--r-md);padding:18px 20px;margin-bottom:22px;font-size:.93rem}
.form__ok.is-on{display:flex}
.form__ok svg{width:22px;height:22px;flex:none;color:var(--ok);margin-top:1px}

/* ---------- Testimonials ---------- */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;display:flex;flex-direction:column;height:100%}
.quote__stars{display:flex;gap:3px;margin-bottom:16px}
.quote__stars svg{width:17px;height:17px;color:var(--gold-500)}
.quote p{color:var(--ink);font-size:.97rem;line-height:1.72;flex:1}
.quote__who{display:flex;align-items:center;gap:13px;margin-top:20px;padding-top:20px;border-top:1px solid var(--line-soft)}
.quote__av{width:46px;height:46px;border-radius:50%;flex:none;display:grid;place-items:center;font-family:var(--ff-head);font-weight:800;color:#fff;font-size:1rem;background:linear-gradient(140deg,var(--navy-700),var(--navy-500))}
.quote__who strong{display:block;font-family:var(--ff-head);font-size:.94rem;color:var(--ink)}
.quote__who small{color:var(--muted);font-size:.8rem}

/* ---------- CTA band ---------- */
.cta{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--navy-900),var(--navy-700));border-radius:var(--r-xl);padding:clamp(34px,4.6vw,60px);color:#C6D5E8}
.cta::before{content:"";position:absolute;inset:0;background:radial-gradient(560px 300px at 88% 14%,rgba(233,185,74,.24),transparent 60%)}
.cta__in{position:relative;z-index:2;display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:8px}
.cta p{color:#B8CAE0;margin:0;max-width:56ch}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-950);color:#8FA8C6;font-size:.92rem;padding-top:clamp(48px,6vw,76px)}
.site-footer h4{color:#fff;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:20px;font-weight:700}
.site-footer a{color:#A9BFD8}
.site-footer a:hover{color:var(--gold-300)}
.footer__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.35fr;gap:38px;padding-bottom:44px}
.footer__brand .brand__name{color:#fff}
.footer__brand .brand__tag{color:#7C93B0}
.footer__list{list-style:none;padding:0;margin:0}
.footer__list li{margin-bottom:11px}
.footer__contact{list-style:none;padding:0;margin:0}
.footer__contact li{display:flex;gap:12px;margin-bottom:15px;align-items:flex-start;line-height:1.55}
.footer__contact svg{width:17px;height:17px;color:var(--gold-400);flex:none;margin-top:3px}
.social{display:flex;gap:10px;margin-top:22px}
.social a{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);transition:background .18s,transform .18s}
.social a:hover{background:var(--gold-500);transform:translateY(-3px)}
.social a:hover svg{color:var(--navy-900)}
.social svg{width:17px;height:17px;color:#C6D5E8}
.footer__legal{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;font-size:.8rem;line-height:1.7;color:#7C93B0}
.footer__bottom{border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;padding:20px 0;font-size:.83rem}
.footer__bottom nav{display:flex;gap:20px;flex-wrap:wrap}

/* ---------- Misc ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s cubic-bezier(.2,.7,.3,1),transform .6s cubic-bezier(.2,.7,.3,1)}
.reveal.is-in{opacity:1;transform:none}
.to-top{position:fixed;right:20px;bottom:20px;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--navy-800);color:#fff;border:0;cursor:pointer;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(12px);transition:all .25s ease;z-index:70}
.to-top.is-on{opacity:1;visibility:visible;transform:none}
.to-top svg{width:19px;height:19px}
.wa{position:fixed;right:20px;bottom:76px;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:#25D366;box-shadow:var(--shadow-lg);z-index:70}
.wa svg{width:24px;height:24px;color:#fff}
.prose h2{margin-top:2.2em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.8em}
.prose li{color:var(--body)}
.notice{background:var(--gold-100);border:1px solid rgba(184,134,15,.28);border-left:4px solid var(--gold-500);border-radius:var(--r-sm);padding:18px 22px;font-size:.92rem;color:#6B4E08}
.notice p:last-child{margin-bottom:0}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:-9999px;top:0;z-index:200;background:var(--navy-800);color:#fff;padding:12px 20px;border-radius:0 0 10px 0}
.skip:focus{left:0;color:#fff}

/* ---------- Responsive ---------- */
@media (max-width:1024px){
  .g-4{grid-template-columns:repeat(2,1fr)}
  .footer__grid{grid-template-columns:1fr 1fr;gap:32px}
  .stats{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  /* backdrop-filter would make .site-header the containing block for the
     position:fixed drawer below, so it is dropped at this width. */
  .site-header{backdrop-filter:none;background:#fff}
  .nav__menu{
    position:fixed;inset:0 0 0 auto;width:min(340px,86vw);background:#fff;flex-direction:column;
    align-items:stretch;gap:2px;padding:96px 20px 30px;box-shadow:-18px 0 50px -20px rgba(11,37,69,.4);
    transform:translateX(100%);transition:transform .3s cubic-bezier(.2,.7,.3,1);overflow-y:auto;z-index:90;
  }
  .nav__menu.is-open{transform:none}
  .nav__toggle{display:flex;z-index:95}
  .nav__link{padding:13px 14px;font-size:1rem;border-bottom:1px solid var(--line-soft);border-radius:0}
  .nav__cta{margin:16px 0 0}
  .nav__cta .btn{width:100%}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-radius:0;padding:0 0 8px 14px;min-width:0;display:none}
  .nav__item--has-menu.is-open .dropdown{display:block}
  .nav__item--has-menu>.nav__link::after{float:right;margin-top:8px}
  .nav-backdrop{position:fixed;inset:0;background:rgba(4,16,31,.5);opacity:0;visibility:hidden;transition:opacity .3s;z-index:85}
  .nav-backdrop.is-on{opacity:1;visibility:visible}
  body.nav-open{overflow:hidden}
  .hero__grid,.split,.split--wide-left,.emi{grid-template-columns:1fr}
  .hero__art{order:-1;max-width:480px;margin-inline:auto}
  .g-3{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:640px){
  :root{--header-h:68px}
  body{font-size:16px}
  .g-2,.g-3,.g-4{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr);gap:14px}
  .stat{padding:20px 12px}
  .footer__grid{grid-template-columns:1fr}
  .form__grid{grid-template-columns:1fr}
  .topbar__list--left{display:none}
  .brand__mark{width:38px;height:38px}
  .brand__name{font-size:1.22rem}
  .card,.form,.quote{padding:24px}
  .btn{padding:13px 22px}
  .cta__in{flex-direction:column;align-items:flex-start}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}
@media print{
  .site-header,.topbar,.site-footer,.to-top,.wa,.cta{display:none!important}
  body{font-size:12pt;color:#000}
}