@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Outfit:wght@400;500;600;700;800;900&display=swap');

:root {
  --primary: #1B3A57;
  --primary-rgb: 27, 58, 87;
  --primary-light: #254D6E;
  --accent: #2EC4A0;
  --accent-rgb: 46, 196, 160;
  --accent-hover: #20A882;
  --text-main: #1B3A57;
  --text-muted: #6B7F94;
  --bg-light: #F8FAFB;
  --bg-white: #FFFFFF;
  --border-color: #EEF2F6;
  
  --score-poor: #FF5B5B;
  --score-fair: #FFB347;
  --score-good: #4FC3F7;
  --score-very-good: #81C784;
  --score-excellent: #2EC4A0;
  
  --shadow-sm: 0 2px 8px rgba(27, 58, 87, 0.04);
  --shadow-md: 0 8px 24px rgba(27, 58, 87, 0.08);
  --shadow-lg: 0 16px 48px rgba(27, 58, 87, 0.12);
  --shadow-accent: 0 8px 30px rgba(46, 196, 160, 0.3);
  
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  
  --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Reset & Base Styles */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  background-color: var(--bg-white);
  color: var(--text-main);
  font-family: 'Inter', sans-serif;
  overflow-x: hidden;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Outfit', sans-serif;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.2;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition-fast);
}

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

/* Common Layout Containers */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 2rem;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .container {
    padding: 0 1.25rem;
  }
}

section {
  padding: 6rem 0;
  position: relative;
  overflow: hidden;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  section {
    padding: 4rem 0;
  }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.875rem 2rem;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: 50px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  box-shadow: var(--shadow-sm);
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--accent);
  color: var(--bg-white);
  box-shadow: var(--shadow-accent);
}

.btn-primary:hover {
  background-color: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(46, 196, 160, 0.4);
}

.btn-outline {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.25);
  color: var(--bg-white);
}

.btn-outline:hover {
  background-color: rgba(255, 255, 255, 0.1);
  border-color: var(--bg-white);
  transform: translateY(-2px);
}

/* Glassmorphism */
.glass-card {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
  color: var(--bg-white);
}

.glass-card-light {
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(238, 242, 246, 0.8);
  border-radius: var(--radius-lg);
}

/* Decorative Floating Background Elements */
@keyframes drift-y {
  0% { transform: translateY(0px) rotate(0deg); }
  50% { transform: translateY(-15px) rotate(5deg); }
  100% { transform: translateY(0px) rotate(0deg); }
}

@keyframes drift-x {
  0% { transform: translateX(0px) rotate(0deg); }
  50% { transform: translateX(-15px) rotate(-8deg); }
  100% { transform: translateX(0px) rotate(0deg); }
}

.floating-bg-element {
  position: absolute;
  pointer-events: none;
  z-index: 1;
}

.float-star-1 {
  top: 15%;
  left: 5%;
  animation: drift-y 8s ease-in-out infinite;
}

.float-coin-1 {
  top: 25%;
  right: 8%;
  animation: drift-x 9s ease-in-out infinite;
}

.float-shield-1 {
  bottom: 12%;
  left: 8%;
  animation: drift-y 10s ease-in-out infinite;
}

.float-coin-2 {
  top: 12%;
  left: 6%;
  animation: drift-x 11s ease-in-out infinite;
}

.float-card-1 {
  top: 15%;
  left: 3%;
  animation: drift-y 12s ease-in-out infinite;
}

.float-shield-2 {
  bottom: 10%;
  right: 5%;
  animation: drift-x 9s ease-in-out infinite;
}

/* Floating Animations */
@keyframes float {
  0% { transform: translateY(0px); }
  50% { transform: translateY(-10px); }
  100% { transform: translateY(0px); }
}

@keyframes pulse-soft {
  0% { transform: scale(1); box-shadow: 0 0 0 0 rgba(46, 196, 160, 0.4); }
  70% { transform: scale(1.03); box-shadow: 0 0 0 10px rgba(46, 196, 160, 0); }
  100% { transform: scale(1); box-shadow: 0 0 0 0 rgba(46, 196, 160, 0); }
}

.floating-element {
  animation: float 6s ease-in-out infinite;
}

/* Header & Navigation */
header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: 90px;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-color);
  display: flex;
  align-items: center;
  transition: all 0.3s ease;
}

header.scrolled {
  height: 70px;
  box-shadow: var(--shadow-md);
}

header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  max-width: 1380px;
  width: 100%;
  padding: 0 2.5rem;
}




  
  

nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

nav a {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--text-muted);
  position: relative;
  padding: 0.25rem 0;
}

nav a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--accent);
  transition: var(--transition-fast);
}

nav a:hover {
  color: var(--accent);
}

nav a:hover::after, nav a.active::after {
  width: 100%;
}

nav a.active {
  color: var(--accent);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

/* Mobile Menu Button */
.menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  position: relative;
  width: 24px;
  height: 18px;
}

.menu-btn span {
  display: block;
  width: 100%;
  height: 2px;
  background-color: var(--primary);
  border-radius: 2px;
  position: absolute;
  transition: transform 0.3s ease, opacity 0.3s ease, top 0.3s ease;
}

.menu-btn span:nth-child(1) { top: 0; }
.menu-btn span:nth-child(2) { top: 8px; }
.menu-btn span:nth-child(3) { top: 16px; }

.menu-btn.active span:nth-child(1) {
  transform: rotate(45deg);
  top: 8px;
}
.menu-btn.active span:nth-child(2) {
  opacity: 0;
}
.menu-btn.active span:nth-child(3) {
  transform: rotate(-45deg);
  top: 8px;
}

@media (max-width: 1024px) {
  nav, .nav-actions .btn-download {
    display: none;
  }
  .menu-btn {
    display: block;
  }
}

/* Mobile Sidebar Drawer */
.mobile-drawer {
  position: fixed;
  top: 80px;
  left: 0;
  width: 100%;
  height: calc(100vh - 80px);
  background-color: var(--bg-white);
  z-index: 99;
  transform: translateY(-100%);
  opacity: 0;
  visibility: hidden;
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 2rem;
  box-shadow: var(--shadow-lg);
  border-top: 1px solid var(--border-color);
}

.mobile-drawer.open {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

.mobile-drawer nav {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1.5rem;
}

.mobile-drawer nav a {
  font-size: 1.2rem;
  width: 100%;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-color);
}

.mobile-drawer .btn {
  width: 100%;
  margin-top: auto;
}

/* Hero Section */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 60%, #152c42 100%);
  color: var(--bg-white);
  min-height: calc(100vh - 80px);
  display: flex;
  align-items: center;
  padding: 4rem 0;
  position: relative;
}

.hero::after {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 50%;
  height: 100%;
  background: radial-gradient(circle at 60% 30%, rgba(46, 196, 160, 0.15) 0%, transparent 60%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 3rem;
  align-items: center;
}

@media (max-width: 1300px) {
  .hero-grid {
    grid-template-columns: 1fr 1.1fr;
    gap: 2rem;
  }
}

@media (max-width: 1100px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
    text-align: center;
  }
  .hero-image-wrapper {
    display: none;
  }
}

.hero-content {
  z-index: 2;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.25);
  color: var(--accent);
  padding: 0.5rem 1.25rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 2rem;
}

.trust-badge span {
  width: 8px;
  height: 8px;
  background-color: var(--accent);
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 8px var(--accent);
}

.hero h1 {
  color: var(--bg-white);
  font-size: 3.5rem;
  font-weight: 900;
  line-height: 1.15;
  margin-bottom: 1.5rem;
  letter-spacing: -0.02em;
}

.hero h1 span {
  color: var(--accent);
  position: relative;
}

.hero p {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.75);
  max-width: 580px;
  margin-bottom: 2.5rem;
  line-height: 1.7;
}

@media (max-width: 1024px) {
  .hero p {
    margin-left: auto;
    margin-right: auto;
  }
}

.hero-actions {
  display: flex;
  gap: 1rem;
  margin-bottom: 3.5rem;
}

@media (max-width: 1024px) {
  .hero-actions {
    justify-content: center;
  }
}

@media (max-width: 576px) {
  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }
}

.hero-stats {
  display: grid;
  grid-template-cols: repeat(3, 1fr);
  gap: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
}

.stat-item h3 {
  color: var(--accent);
  font-size: 2rem;
  font-weight: 800;
}

.stat-item p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0;
  margin-top: 0.25rem;
  line-height: 1.4;
}

.hero-visual {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: flex-end;
  gap: 3.5rem;
  z-index: 2;
  width: 100%;
}

/* =============================================
   HERO BOUNCING IMAGE
   ============================================= */

@keyframes hero-bounce {
  0%   { transform: translateY(0px) rotate(-1deg); }
  25%  { transform: translateY(-14px) rotate(0deg); }
  50%  { transform: translateY(-8px) rotate(1deg); }
  75%  { transform: translateY(-18px) rotate(0deg); }
  100% { transform: translateY(0px) rotate(-1deg); }
}

@keyframes glow-pulse {
  0%   { opacity: 0.4; transform: scale(1); }
  50%  { opacity: 0.75; transform: scale(1.08); }
  100% { opacity: 0.4; transform: scale(1); }
}

.hero-image-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
  flex-shrink: 0;
}

.hero-image-glow-ring {
  position: absolute;
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(46, 196, 160, 0.25) 0%, transparent 70%);
  animation: glow-pulse 4s ease-in-out infinite;
  pointer-events: none;
  z-index: 1;
}

.hero-floating-image {
  width: 220px;
  height: 290px;
  object-fit: cover;
  object-position: top center;
  border-radius: 24px;
  box-shadow:
    0 30px 60px rgba(0, 0, 0, 0.4),
    0 0 0 1px rgba(255, 255, 255, 0.08),
    0 0 40px rgba(46, 196, 160, 0.2);
  animation: hero-bounce 6s ease-in-out infinite;
  position: relative;
  z-index: 2;
  display: block;
}

/* Floating badge overlays on image */
.hero-img-badge {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.5rem 0.875rem;
  border-radius: 50px;
  font-size: 0.775rem;
  font-weight: 800;
  z-index: 5;
  white-space: nowrap;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.score-badge-overlay {
  bottom: 24px;
  left: -20px;
  background: rgba(27, 58, 87, 0.92);
  border: 1px solid rgba(46, 196, 160, 0.3);
  color: #ffffff;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.1rem;
  animation: float 5s ease-in-out infinite;
}

.badge-score-num {
  font-family: 'Outfit', sans-serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: var(--accent);
  line-height: 1;
}

.badge-score-lbl {
  font-size: 0.65rem;
  color: rgba(255, 255, 255, 0.6);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.verified-badge-overlay {
  top: -20px;
  left: -30px;
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #ffffff;
  animation: float 7s ease-in-out infinite reverse;
}

.verified-badge-overlay span:first-child {
  font-size: 1rem;
}

/* Tabbed Widget System in Hero */
.hero-widget-tabs-container {
  width: 100%;
  max-width: 420px;
  padding: 1.5rem;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.widget-tabs-header {
  display: flex;
  gap: 0.25rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-bottom: 0.75rem;
  margin-bottom: 1.5rem;
}

.widget-tab-btn {
  flex: 1;
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.85rem;
  font-weight: 700;
  padding: 0.5rem 0;
  cursor: pointer;
  transition: all var(--transition-fast);
  border-bottom: 2px solid transparent;
  text-align: center;
}

.widget-tab-btn:hover {
  color: rgba(255, 255, 255, 0.8);
}

.widget-tab-btn.active {
  color: var(--accent);
  border-bottom-color: var(--accent);
  text-shadow: 0 0 10px rgba(46, 196, 160, 0.2);
}

.widget-tabs-content {
  position: relative;
  min-height: 310px;
}

.widget-content {
  display: none;
}

.widget-content.active {
  display: block;
}

/* User Profile Carousel Widget */
.user-profiles-slider {
  position: relative;
  min-height: 250px;
}

.user-profile-slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px) scale(0.98);
  transition: all 0.4s ease-in-out;
}

.user-profile-slide.active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
  position: relative;
}

.profile-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.25rem;
}

.profile-info-block {
  display: flex;
  align-items: center;
  gap: 0.875rem;
}

.profile-avatar-wrapper {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  overflow: hidden;
  border: 2px solid rgba(255, 255, 255, 0.2);
}

.avatar-svg {
  width: 100%;
  height: 100%;
}

.profile-meta h4 {
  font-size: 0.95rem;
  color: #ffffff;
  font-weight: 700;
  margin-bottom: 0.15rem;
}

.profile-meta p {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
}

.profile-score-badge {
  text-align: right;
  background: rgba(255, 255, 255, 0.08);
  padding: 0.35rem 0.75rem;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.profile-score-num {
  font-family: 'Outfit', sans-serif;
  font-size: 1.25rem;
  font-weight: 850;
  color: #ffffff;
}

.profile-score-label {
  font-size: 0.6rem;
  text-transform: uppercase;
  font-weight: 800;
  color: var(--accent);
  letter-spacing: 0.05em;
}

.profile-quote {
  font-size: 0.825rem;
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.6;
  font-style: italic;
  margin-bottom: 1.5rem;
  min-height: 60px;
}

.score-trend-graphic {
  background: rgba(255, 255, 255, 0.04);
  padding: 0.75rem 1rem;
  border-radius: 12px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border: 1px solid rgba(255, 255, 255, 0.06);
}

.trend-label {
  font-size: 0.65rem;
  color: rgba(255, 255, 255, 0.4);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 700;
}

.trend-chart-svg {
  width: 110px;
  height: 28px;
  overflow: visible;
}

.widget-carousel-controls {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 1.25rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.widget-ctrl-btn {
  background: none;
  border: 1px solid rgba(255, 255, 255, 0.15);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: #ffffff;
  cursor: pointer;
  display: grid;
  place-items: center;
  font-size: 0.8rem;
  transition: all var(--transition-fast);
}

.widget-ctrl-btn:hover {
  background-color: var(--accent);
  border-color: var(--accent);
}

.widget-indicators {
  display: flex;
  gap: 0.4rem;
}

.widget-ind-dot {
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.25);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.widget-ind-dot.active {
  background-color: var(--accent);
  transform: scale(1.3);
}

/* Estimator Widget Inside Tab */
.score-widget-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.25rem;
}

.score-widget-title {
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255, 255, 255, 0.4);
}

.gauge-wrapper {
  position: relative;
  width: 170px;
  height: 170px;
  margin: 0.5rem auto 1.5rem;
}

.gauge-svg {
  transform: rotate(-90deg);
  width: 100%;
  height: 100%;
}

.gauge-track {
  stroke: rgba(255, 255, 255, 0.08);
}

.gauge-fill {
  stroke-dasharray: 565.48;
  stroke-dashoffset: 565.48;
  transition: stroke-dashoffset 0.6s cubic-bezier(0.1, 0.8, 0.25, 1), stroke 0.6s ease;
}

.gauge-center {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
}

.score-display-number {
  font-family: 'Outfit', sans-serif;
  font-size: 2.8rem;
  font-weight: 900;
  color: var(--bg-white);
  line-height: 1;
}

.score-display-label {
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-top: 0.15rem;
  transition: color 0.3s ease;
}

.score-controller {
  margin-top: 1rem;
}

.slider-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.725rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 0.4rem;
}

.range-slider-input {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 5px;
  background: rgba(255, 255, 255, 0.15);
  outline: none;
  transition: background 0.3s;
}

.range-slider-input::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: 0 0 10px rgba(46, 196, 160, 0.8);
}

.range-slider-input::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: 0 0 10px rgba(46, 196, 160, 0.8);
}

.score-tips-box {
  margin-top: 1rem;
  padding: 0.75rem;
  background-color: rgba(255, 255, 255, 0.04);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--accent);
  font-size: 0.775rem;
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.4;
  min-height: 52px;
}

/* Trust Ticker Banner */
.trust-ticker {
  background-color: var(--bg-light);
  border-bottom: 1px solid var(--border-color);
  padding: 1.5rem 0;
}

.ticker-wrapper {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
}

.ticker-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--primary);
}

.ticker-icon {
  width: 24px;
  height: 24px;
  background-color: rgba(46, 196, 160, 0.15);
  color: var(--accent);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.75rem;
  font-weight: 900;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .ticker-wrapper {
    display: grid;
    grid-template-cols: 1fr 1fr;
    gap: 1rem 2rem;
  }
}

/* Savings Calculator Section */
.calculator {
  background-color: var(--bg-white);
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 4rem;
}

.section-header p.subtitle {
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-bottom: 0.75rem;
}

.section-header h2 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.section-header p.desc {
  color: var(--text-muted);
  font-size: 1.1rem;
}

.calc-grid {
  display: grid;
  grid-template-cols: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: flex-start;
}

@media (max-width: 992px) {
  .calc-grid {
    grid-template-cols: 1fr;
    gap: 3rem;
  }
}

.calc-left {
  background: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
}

.loan-tabs {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 2.5rem;
  overflow-x: auto;
  padding-bottom: 0.5rem;
}

.loan-tab-btn {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition-fast);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  white-space: nowrap;
}

.loan-tab-btn:hover {
  border-color: var(--accent);
  color: var(--primary);
}

.loan-tab-btn.active {
  background-color: var(--accent);
  border-color: var(--accent);
  color: var(--bg-white);
  box-shadow: 0 4px 12px rgba(46, 196, 160, 0.25);
}

.slider-group {
  margin-bottom: 2.5rem;
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}

.slider-title {
  font-weight: 700;
  color: var(--primary);
}

.slider-value-badge {
  background-color: rgba(27, 58, 87, 0.05);
  padding: 0.35rem 0.85rem;
  border-radius: 6px;
  font-weight: 800;
  color: var(--primary);
  font-size: 1.1rem;
}

.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 5px;
  background: #E2E6E9;
  outline: none;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  border: 2px solid var(--bg-white);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast);
}

.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--accent);
}

.savings-highlight-banner {
  background-color: #E6FAF5;
  border: 1px solid rgba(46, 196, 160, 0.2);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-align: center;
  color: var(--accent-hover);
  font-size: 1.15rem;
  font-weight: 800;
  margin-top: 1rem;
}

/* Interactive Interest Visualizer (Dashboard style) */
.calculator-viz-card {
  padding: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  color: var(--text-main);
  box-shadow: var(--shadow-md);
  background: linear-gradient(180deg, var(--bg-white) 0%, var(--bg-light) 100%);
}

.viz-card-title {
  font-size: 1.05rem;
  color: var(--primary);
  margin-bottom: 1.75rem;
  border-bottom: 1px solid var(--border-color);
  padding-bottom: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.viz-item {
  margin-bottom: 1.75rem;
}

.viz-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}

.viz-score-tag {
  font-size: 0.75rem;
  font-weight: 800;
  padding: 0.25rem 0.6rem;
  border-radius: 6px;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.viz-score-tag.bad {
  background-color: #FDEDE1;
  color: #DB5F0D;
  border: 1px solid rgba(219, 95, 13, 0.15);
}

.viz-score-tag.good {
  background-color: #DCF8E5;
  color: #08772D;
  border: 1px solid rgba(8, 119, 45, 0.15);
}

.viz-val-highlight {
  font-family: 'Outfit', sans-serif;
  font-size: 1.25rem;
  font-weight: 900;
}

.viz-val-highlight.bad { color: var(--score-poor); }
.viz-val-highlight.good { color: var(--score-excellent); }

.viz-bar-track {
  height: 10px;
  background-color: #E2E6E9;
  border-radius: 6px;
  overflow: hidden;
  margin-bottom: 0.4rem;
}

.viz-bar-fill {
  height: 100%;
  border-radius: 6px;
  transition: width 0.5s cubic-bezier(0.1, 0.8, 0.25, 1);
  box-shadow: inset 0 2px 4px rgba(0,0,0,0.05);
}

.viz-bar-fill.bad {
  background: linear-gradient(90deg, #FF5B5B 0%, #E04848 100%);
}

.viz-bar-fill.good {
  background: linear-gradient(90deg, #2EC4A0 0%, #1db38f 100%);
}

.viz-meta-row {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.viz-meta-row strong {
  color: var(--primary);
}

.viz-summary-footer {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  background-color: rgba(27, 58, 87, 0.03);
  padding: 0.85rem;
  border-radius: var(--radius-sm);
  margin-top: 1rem;
  border: 1px dashed rgba(27, 58, 87, 0.15);
}

.footer-alert-icon {
  font-size: 0.9rem;
}

.viz-summary-footer p {
  font-size: 0.775rem;
  color: var(--text-muted);
  line-height: 1.45;
  margin: 0;
}

/* Download App Section */
.download-section {
  background-color: var(--primary);
  color: var(--bg-white);
  padding: 4.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  z-index: 10;
}

.download-grid {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.download-text {
  max-width: 600px;
}

.download-text h2 {
  color: var(--bg-white);
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.download-text p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.95rem;
}

.download-badges {
  display: flex;
  gap: 1rem;
}

.badge-link {
  display: block;
  height: 52px;
  width: 165px;
  transition: transform var(--transition-fast);
}

.badge-link img {
  height: 100%;
  width: 100%;
  object-fit: contain;
}

.badge-link:hover {
  transform: translateY(-2px);
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .download-grid {
    flex-direction: column;
    text-align: center;
    justify-content: center;
  }
  .download-badges {
    flex-direction: column;
    align-items: center;
  }
}

/* Credit Education Section */
.edu-section {
  background-color: var(--bg-light);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.edu-grid {
  display: grid;
  grid-template-cols: 0.9fr 1.1fr;
  gap: 4rem;
}

@media (max-width: 992px) {
  .edu-grid {
    grid-template-cols: 1fr;
    gap: 3rem;
  }
}

/* Interactive Score Range Carousel (Premium Dark Theme) */
.range-carousel-container {
  background: linear-gradient(135deg, #1B3A57 0%, #12283D 100%);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  min-height: 420px;
  color: var(--bg-white);
  position: relative;
}

.carousel-title {
  font-size: 1.45rem;
  margin-bottom: 2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-bottom: 0.75rem;
  color: var(--bg-white);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.range-carousel {
  position: relative;
  flex-grow: 1;
  min-height: 240px;
}

.range-slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  opacity: 0;
  visibility: hidden;
  transform: scale(0.96);
  transition: all 0.4s cubic-bezier(0.25, 0.8, 0.25, 1);
}

.range-slide.active {
  opacity: 1;
  visibility: visible;
  transform: scale(1);
  position: relative;
}

.range-slide-visual-arc {
  float: right;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.mini-arc-svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.range-slide-header {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.25rem;
  margin-bottom: 1.25rem;
}

.range-slide-title {
  font-family: 'Outfit', sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
}

.range-slide-val {
  font-family: 'Outfit', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
}

.range-poor-color { color: var(--score-poor); }
.range-fair-color { color: var(--score-fair); }
.range-good-color { color: var(--score-good); }
.range-vgood-color { color: var(--score-very-good); }
.range-excellent-color { color: var(--score-excellent); }

.range-slide-desc {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.range-slide-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background-color: rgba(255, 255, 255, 0.04);
  padding: 0.85rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: 0.825rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.stat-highlight {
  font-family: 'Outfit', sans-serif;
  font-size: 1.15rem;
  font-weight: 900;
}

.range-slide-advice {
  background-color: rgba(255, 255, 255, 0.02);
  border-left: 4px solid var(--accent);
  padding: 0.85rem 1.25rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.8rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.9);
}

.range-slide[data-index="0"] .range-slide-advice { border-left-color: var(--score-poor); }
.range-slide[data-index="1"] .range-slide-advice { border-left-color: var(--score-fair); }
.range-slide[data-index="2"] .range-slide-advice { border-left-color: var(--score-good); }
.range-slide[data-index="3"] .range-slide-advice { border-left-color: var(--score-very-good); }
.range-slide[data-index="4"] .range-slide-advice { border-left-color: var(--score-excellent); }

.range-carousel-controls {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.range-ctrl-btn {
  background: none;
  border: 1px solid rgba(255, 255, 255, 0.2);
  width: 38px;
  height: 38px;
  border-radius: 50%;
  cursor: pointer;
  display: grid;
  place-items: center;
  color: #ffffff;
  font-size: 0.9rem;
  font-weight: 700;
  transition: all var(--transition-fast);
}

.range-ctrl-btn:hover {
  background-color: var(--accent);
  border-color: var(--accent);
  color: var(--bg-white);
}

.range-indicators {
  display: flex;
  gap: 0.5rem;
}

.range-ind-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.2);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.range-ind-dot.active {
  background-color: var(--accent);
  transform: scale(1.3);
}

.edu-factors-stack {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  width: 100%;
}

.factor-bar-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  background-color: var(--bg-white);
  border: 1.5px solid transparent;
  border-radius: var(--radius-md);
  padding: 1.5rem 2rem;
  position: relative;
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
  box-shadow: 0 4px 12px rgba(27, 58, 87, 0.03);
}

.factor-bar-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* Individual card styling with background and borders */
.payment-history-bar {
  border-color: #F3E4C0;
  background: linear-gradient(135deg, #FFFDF6 0%, #FFFFFF 100%);
}
.payment-history-bar:hover {
  border-color: #C49A3C;
}

.credit-util-bar {
  border-color: #C8F0E6;
  background: linear-gradient(135deg, #F4FAF8 0%, #FFFFFF 100%);
}
.credit-util-bar:hover {
  border-color: #2EC4A0;
}

.credit-age-bar {
  border-color: #E2E7EC;
  background: linear-gradient(135deg, #F6F8F9 0%, #FFFFFF 100%);
}
.credit-age-bar:hover {
  border-color: #99AAB5;
}

.mix-bar {
  border-color: #F0E1D5;
  background: linear-gradient(135deg, #FAF7F4 0%, #FFFFFF 100%);
}
.mix-bar:hover {
  border-color: #CD7F32;
}

/* Floating top-right corner badge */
.factor-floating-badge {
  position: absolute;
  top: -10px;
  right: 2.25rem;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #ffffff;
  font-size: 0.75rem;
  border: 2px solid #ffffff;
  box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);
  z-index: 5;
}

.gold-badge { background: #C49A3C; }
.teal-badge { background: #2EC4A0; }
.silver-badge { background: #7D8E9B; }
.bronze-badge { background: #9C5D24; }

/* Icon wrapper */
.factor-bar-icon {
  flex-shrink: 0;
  width: 70px;
  height: 70px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Text details column */
.factor-bar-info {
  flex-grow: 1;
  padding-right: 1.5rem;
}

.factor-bar-info h3 {
  font-family: 'Outfit', sans-serif;
  font-size: 1.25rem;
  font-weight: 850;
  color: var(--primary);
  margin-bottom: 0.25rem;
}

.factor-bar-info p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
}

/* Gauge area on right */
.factor-bar-gauge-wrapper {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-shrink: 0;
}

.factor-bar-percent {
  font-family: 'Outfit', sans-serif;
  font-size: 2.2rem;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.02em;
}

.gold-text { color: #C49A3C; }
.teal-text { color: #2EC4A0; }
.silver-text { color: #7D8E9B; }
.mix-text { color: #CD7F32; }

.factor-bar-liquid-ring {
  position: relative;
  width: 48px;
  height: 48px;
  flex-shrink: 0;
}

.liquid-gauge-svg {
  width: 100%;
  height: 100%;
}

.liquid-center-dot {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 12px;
  height: 12px;
  border-radius: 50%;
}

.gold-bg { background-color: #C49A3C; }
.teal-bg { background-color: #2EC4A0; }
.silver-bg { background-color: #7D8E9B; }
.mix-bg { background-color: #CD7F32; }

/* Responsive adjustments */
@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .factor-bar-card {
    flex-direction: column;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 1.5rem;
  }
  
  .factor-bar-info {
    padding-right: 0;
  }

  .factor-bar-gauge-wrapper {
    width: 100%;
    justify-content: space-between;
    border-top: 1px solid var(--border-color);
    padding-top: 1rem;
    margin-top: 0.5rem;
  }

  .factor-floating-badge {
    right: 1.5rem;
  }
}


/* Benefits Section & Smartphone Mock-up Layout */
.benefits-layout-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 1.5rem;
}

@media (max-width: 992px) {
  .benefits-layout-grid {
    grid-template-columns: 1fr;
    gap: 3.5rem;
  }
}

.benefits-image-wrapper {
  display: flex;
  justify-content: center;
  align-items: center;
}

.benefits-image-card {
  position: relative;
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 1rem;
  box-shadow: var(--shadow-lg);
  animation: float 6s ease-in-out infinite reverse;
  max-width: 520px;
  width: 100%;
}

.benefits-dial-image {
  width: 100%;
  height: auto;
  border-radius: var(--radius-md);
  display: block;
}

.dial-card-overlay {
  position: absolute;
  bottom: 2rem;
  left: 2rem;
  right: 2rem;
  background: rgba(27, 58, 87, 0.95);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.15rem;
  border-radius: var(--radius-md);
  color: #ffffff;
}

.dial-pill {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  padding: 0.35rem 0.75rem;
  border-radius: 4px;
  margin-bottom: 0.5rem;
  background: var(--accent);
}

.dial-tip-text {
  font-size: 0.775rem;
  line-height: 1.4;
  color: rgba(255, 255, 255, 0.7);
  margin: 0;
}


.benefits-mockup-wrapper {
  display: flex;
  justify-content: center;
}

/* 3D Floating Smartphone Mock-up */
.phone-mockup {
  width: 275px;
  height: 550px;
  border: 11px solid #1c2733;
  border-radius: 38px;
  background-color: #0b1724;
  box-shadow: 0 30px 60px rgba(27, 58, 87, 0.25), 0 0 0 1px rgba(27, 58, 87, 0.05);
  position: relative;
  overflow: hidden;
  animation: float 6s ease-in-out infinite;
}

.phone-notch {
  width: 95px;
  height: 18px;
  background-color: #1c2733;
  border-bottom-left-radius: 12px;
  border-bottom-right-radius: 12px;
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  z-index: 15;
}

.phone-screen {
  width: 100%;
  height: 100%;
  padding: 1.25rem 1rem;
  display: flex;
  flex-direction: column;
  color: #ffffff;
  position: relative;
  background: linear-gradient(180deg, #12283d 0%, #0d1a29 100%);
}

.phone-status-bar {
  display: flex;
  justify-content: space-between;
  font-size: 0.65rem;
  opacity: 0.8;
  margin-bottom: 1.25rem;
  font-weight: 600;
}

.phone-app-header {
  display: flex;
  justify-content: center;
  margin-bottom: 1.75rem;
}

.phone-app-header img {
  height: 18px;
  filter: brightness(0) invert(1);
}

.phone-gauge-section {
  display: flex;
  justify-content: center;
  margin-bottom: 1.75rem;
}

.phone-gauge-circle {
  position: relative;
  width: 110px;
  height: 110px;
}

.phone-svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.phone-gauge-val {
  position: absolute;
  top: 38%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-family: 'Outfit', sans-serif;
  font-size: 2.1rem;
  font-weight: 900;
  color: #ffffff;
}

.phone-gauge-lbl {
  position: absolute;
  bottom: 24%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-size: 0.6rem;
  text-transform: uppercase;
  font-weight: 800;
  color: #2EC4A0;
  letter-spacing: 0.05em;
}

.phone-insights-list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  margin-bottom: auto;
}

.phone-insight-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background-color: rgba(255, 255, 255, 0.06);
  padding: 0.6rem 0.85rem;
  border-radius: 10px;
  font-size: 0.725rem;
  border: 1px solid rgba(255, 255, 255, 0.04);
}

.phone-insight-badge {
  font-weight: 700;
  color: #2EC4A0;
}

.phone-alert-pop {
  display: flex;
  gap: 0.5rem;
  align-items: center;
  background: rgba(46, 196, 160, 0.95);
  padding: 0.65rem 0.85rem;
  border-radius: 14px;
  color: #ffffff;
  position: absolute;
  bottom: 1.5rem;
  left: 0.75rem;
  right: 0.75rem;
  box-shadow: 0 10px 25px rgba(46, 196, 160, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.pop-bell {
  font-size: 1rem;
  animation: float 2s ease-in-out infinite;
}

.pop-txt strong {
  display: block;
  font-size: 0.725rem;
  font-weight: 800;
  margin-bottom: 0.1rem;
}

.pop-txt p {
  font-size: 0.625rem;
  opacity: 0.9;
  margin: 0;
  line-height: 1.2;
}

.benefits-bottom-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-top: 3.5rem;
  width: 100%;
}

@media (max-width: 1100px) {
  .benefits-bottom-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
  }
}

@media (max-width: 576px) {
  .benefits-bottom-grid {
    grid-template-columns: 1fr;
  }
}


.benefit-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2rem;
  position: relative;
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.benefit-card:hover {
  transform: translateY(-8px);
  border-color: var(--accent);
  box-shadow: var(--shadow-lg);
}

.benefit-number {
  position: absolute;
  top: 1.5rem;
  right: 2rem;
  font-family: 'Outfit', sans-serif;
  font-size: 2.2rem;
  font-weight: 900;
  color: rgba(46, 196, 160, 0.12);
  line-height: 1;
}

.benefit-card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: rgba(46, 196, 160, 0.1);
  color: var(--accent);
  display: grid;
  place-items: center;
  font-size: 1.2rem;
  margin-bottom: 1.25rem;
}

.benefit-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
  padding-right: 2rem;
}

.benefit-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* Interactive Blogs Section */
.blogs {
  background-color: var(--bg-light);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.blog-filters {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 3rem;
  flex-wrap: wrap;
}

.filter-btn {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  padding: 0.6rem 1.5rem;
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.filter-btn:hover {
  border-color: var(--accent);
  color: var(--primary);
}

.filter-btn.active {
  background-color: var(--primary);
  border-color: var(--primary);
  color: var(--bg-white);
  box-shadow: var(--shadow-md);
}

.blogs-grid {
  display: grid;
  grid-template-cols: repeat(auto-fill, minmax(350px, 1fr));
  gap: 2rem;
  transition: all 0.4s ease;
}

@media (max-width: 576px) {
  .blogs-grid {
    grid-template-cols: 1fr;
  }
}

.blog-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all 0.3s ease;
  display: flex;
  flex-direction: column;
}

.blog-card.hidden {
  display: none;
  opacity: 0;
  transform: scale(0.9);
}

.blog-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}

.blog-image-wrapper {
  height: 200px;
  position: relative;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.blog-image-illustration {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.85;
}

.blog-image-illustration svg {
  width: 40%;
  height: 40%;
}

.blog-tag {
  position: absolute;
  bottom: 1rem;
  left: 1.25rem;
  background-color: var(--accent);
  color: var(--bg-white);
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  padding: 0.35rem 0.75rem;
  border-radius: 4px;
}

.blog-body {
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.blog-meta {
  display: flex;
  gap: 1rem;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: 0.75rem;
  font-weight: 500;
}

.blog-body h3 {
  font-size: 1.25rem;
  line-height: 1.4;
  margin-bottom: 0.75rem;
  color: var(--primary);
}

.blog-body p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 1.25rem;
}

.blog-read-more {
  margin-top: auto;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.blog-read-more:hover {
  color: var(--accent-hover);
}

/* Modern 3D Cards Testimonial Carousel Section */
.testimonials-section {
  background-color: var(--bg-white);
}

.carousel-outer-container {
  position: relative;
  width: 100%;
  max-width: 800px;
  margin: 0 auto;
  height: 380px;
}

.carousel-deck {
  position: relative;
  width: 100%;
  height: 100%;
}

.carousel-card {
  position: absolute;
  width: 100%;
  max-width: 600px;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transition: all 0.5s cubic-bezier(0.25, 0.8, 0.25, 1);
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

/* Deck Positions */
.carousel-card.active {
  opacity: 1;
  visibility: visible;
  z-index: 5;
  transform: translate(-50%, -50%) scale(1);
  filter: blur(0px);
}

.carousel-card.next {
  opacity: 0.6;
  visibility: visible;
  z-index: 4;
  transform: translate(-45%, -47%) scale(0.93);
  filter: blur(1px);
}

.carousel-card.prev {
  opacity: 0.6;
  visibility: visible;
  z-index: 4;
  transform: translate(-55%, -47%) scale(0.93);
  filter: blur(1px);
}

.carousel-card.far-next {
  opacity: 0;
  visibility: hidden;
  z-index: 1;
  transform: translate(-40%, -45%) scale(0.85);
}

.carousel-card.far-prev {
  opacity: 0;
  visibility: hidden;
  z-index: 1;
  transform: translate(-60%, -45%) scale(0.85);
}

.quote-icon {
  font-size: 3rem;
  line-height: 1;
  color: rgba(46, 196, 160, 0.2);
  font-family: 'Outfit', sans-serif;
  height: 24px;
}

.test-text {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--primary);
  font-style: italic;
}

.test-user {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.test-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--accent);
  color: var(--bg-white);
  font-weight: 800;
  display: grid;
  place-items: center;
  font-size: 1.1rem;
}

.test-user-info h4 {
  font-size: 0.95rem;
}

.test-user-info p {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.test-stars {
  margin-left: auto;
  color: #FFB347;
  display: flex;
  gap: 2px;
}

/* Carousel Nav Controls */
.carousel-controls {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 1.5rem;
  margin-top: 2rem;
}

.ctrl-btn {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  color: var(--primary);
  cursor: pointer;
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
}

.ctrl-btn:hover {
  background-color: var(--primary);
  border-color: var(--primary);
  color: var(--bg-white);
  box-shadow: var(--shadow-md);
}

.carousel-indicators {
  display: flex;
  gap: 0.5rem;
}

.ind-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--border-color);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.ind-dot.active {
  background-color: var(--accent);
  width: 20px;
  border-radius: 4px;
}

/* Premium FAQS Section */
.faq-contact-grid {
  display: grid;
  grid-template-cols: 1.1fr 0.9fr;
  gap: 4rem;
}

@media (max-width: 992px) {
  .faq-contact-grid {
    grid-template-cols: 1fr;
    gap: 3rem;
  }
}

.accordion {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.accordion-item {
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  background-color: var(--bg-white);
  overflow: hidden;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: var(--shadow-sm);
}

.accordion-item:hover, .accordion-item.active {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}

.accordion-header {
  padding: 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  user-select: none;
  background-color: var(--bg-white);
  transition: background-color var(--transition-fast);
}

.accordion-header:hover {
  background-color: var(--bg-light);
}

.accordion-q-wrapper {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.accordion-dot {
  width: 8px;
  height: 8px;
  background-color: #D6DFE8;
  border-radius: 50%;
  flex-shrink: 0;
  transition: all var(--transition-fast);
}

.accordion-item.active .accordion-dot {
  background-color: var(--accent);
  box-shadow: 0 0 8px var(--accent);
  animation: pulse-soft 2s infinite;
}

.accordion-header h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
}

.accordion-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1), color var(--transition-fast), background-color var(--transition-fast);
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background-color: rgba(46, 196, 160, 0.08);
}
.accordion-icon .chevron-icon {
  width: 18px;
  height: 18px;
  display: block;
}
.accordion-item:hover .accordion-icon {
  background-color: rgba(46, 196, 160, 0.15);
}
.accordion-item.active .accordion-icon {
  transform: rotate(180deg);
  color: var(--accent-hover);
  background-color: rgba(46, 196, 160, 0.2);
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  padding: 0 1.5rem;
  background: linear-gradient(180deg, var(--bg-white) 0%, rgba(248, 250, 251, 0.5) 100%);
}

.accordion-item.active .accordion-content {
  max-height: 500px;
  padding-bottom: 1.5rem;
  border-top: 1px dashed var(--border-color);
  padding-top: 1rem;
}

.accordion-content p {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.contact-card {
  background-color: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
}

.contact-card h3 {
  font-size: 1.5rem;
  margin-bottom: 1.5rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-row {
  display: grid;
  grid-template-cols: 1fr 1fr;
  gap: 1rem;
}

@media (max-width: 576px) {
  .form-row {
    grid-template-cols: 1fr;
    gap: 0;
  }
}

.form-group label {
  display: block;
  font-size: 0.775rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--primary);
}

.form-control {
  width: 100%;
  background-color: var(--bg-white);
  border: 1px solid #D6DFE8;
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-size: 0.9rem;
  outline: none;
  font-family: inherit;
  transition: all var(--transition-fast);
}

.form-control:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(46, 196, 160, 0.15);
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.contact-card .btn {
  width: 100%;
  margin-top: 1rem;
}

/* Footer Section with Proper Column Layout */


/* Floating Bottom Download Banner */
.floating-download-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-top: 1px solid var(--border-color);
  box-shadow: 0 -8px 30px rgba(27, 58, 87, 0.08);
  z-index: 90;
  padding: 0.875rem 0;
  transform: translateY(100%);
  transition: transform var(--transition-slow);
}

.floating-download-banner.show {
  transform: translateY(0);
}

.float-banner-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.banner-text-side {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.banner-icon {
  width: 44px;
  height: 44px;
  background-color: var(--primary);
  border-radius: var(--radius-sm);
  display: grid;
  place-items: center;
}

.banner-icon svg {
  width: 24px;
  height: 24px;
}

.banner-desc h4 {
  font-size: 0.95rem;
  margin-bottom: 0.15rem;
}

.banner-desc p {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.banner-actions {
  display: flex;
  gap: 0.75rem;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .floating-download-banner {
    padding: 0.75rem 0;
  }
  .float-banner-content {
    justify-content: center;
    text-align: center;
  }
  .banner-text-side {
    display: none;
  }
  .banner-actions {
    width: 100%;
  }
  .banner-actions .btn {
    width: 100%;
  }
}

/* Floating Quick Menu Assistant */
.floating-assistant-wrapper {
  position: fixed;
  bottom: 95px; /* Sits above the floating banner */
  right: 2rem;
  z-index: 91;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .floating-assistant-wrapper {
    bottom: 80px;
    right: 1.25rem;
  }
}

.assistant-menu {
  margin-bottom: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.assistant-menu.open {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.assistant-menu-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  padding: 0.6rem 1.25rem;
  border-radius: 50px;
  box-shadow: var(--shadow-md);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--primary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.assistant-menu-item:hover {
  background-color: var(--primary);
  border-color: var(--primary);
  color: var(--bg-white);
  transform: translateX(-4px);
}

.assistant-menu-item-icon {
  width: 24px;
  height: 24px;
  background-color: rgba(46, 196, 160, 0.1);
  color: var(--accent);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.7rem;
}

.assistant-menu-item:hover .assistant-menu-item-icon {
  background-color: rgba(255, 255, 255, 0.2);
  color: var(--bg-white);
}

.assistant-trigger-btn {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background-color: var(--accent);
  color: var(--bg-white);
  border: none;
  cursor: pointer;
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-accent);
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.assistant-trigger-btn:hover {
  background-color: var(--accent-hover);
  transform: scale(1.08) rotate(90deg);
}

.assistant-trigger-btn.active {
  transform: rotate(135deg);
  background-color: var(--primary);
  box-shadow: var(--shadow-md);
}

.assistant-trigger-btn svg {
  width: 24px;
  height: 24px;
  transition: transform 0.3s ease;
}

/* ==========================================
   FOOTER LAYOUT — Two-Row Structure
   ========================================== */

/* Row 1: Brand + Tagline */
.footer-top-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 3rem;
  padding-bottom: 3rem;
  flex-wrap: wrap;
}

.footer-brand {
  max-width: 420px;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.footer-brand-desc {
  font-size: 0.875rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.55);
}

.footer-badges-row {
  display: flex;
  gap: 0.75rem;
}

.footer-store-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.75);
  padding: 0.5rem 1.1rem;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 700;
  transition: all 0.2s ease;
}

.footer-store-badge:hover {
  background: rgba(46, 196, 160, 0.15);
  border-color: rgba(46, 196, 160, 0.4);
  color: var(--accent);
}

.footer-tagline-block {
  text-align: right;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 1rem;
}

.footer-tagline {
  font-family: 'Outfit', sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.3;
  margin: 0;
}

.footer-trust-pills {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.trust-pill {
  font-size: 0.7rem;
  font-weight: 700;
  padding: 0.35rem 0.85rem;
  border-radius: 50px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.6);
  white-space: nowrap;
}

/* Footer Divider */
.footer-divider {
  height: 1px;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.12) 20%,
    rgba(46, 196, 160, 0.25) 50%,
    rgba(255, 255, 255, 0.12) 80%,
    transparent 100%
  );
  margin-bottom: 3rem;
}

/* Row 2: Product | Company | Legal — 3 Equal Columns */
.footer-nav-columns {
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  gap: 0;
  margin-bottom: 3rem;
}

.footer-nav-col {
  flex: 1;
  padding: 0 2.5rem;
}

.footer-nav-col:first-child {
  padding-left: 0;
}

.footer-nav-col:last-child {
  padding-right: 0;
}

/* Vertical separator between columns */
.footer-col-separator {
  width: 1px;
  align-self: stretch;
  background: linear-gradient(
    180deg,
    transparent 0%,
    rgba(255, 255, 255, 0.1) 20%,
    rgba(255, 255, 255, 0.1) 80%,
    transparent 100%
  );
  flex-shrink: 0;
}

.footer-col-heading {
  font-family: 'Outfit', sans-serif;
  color: var(--bg-white);
  font-size: 0.7rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.footer-col-heading::after {
  content: '';
  flex: 1;
  height: 1px;
  background: rgba(255, 255, 255, 0.08);
  display: block;
}

/* Footer Bottom */
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 1.75rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.775rem;
  color: rgba(255, 255, 255, 0.4);
}

/* Footer Responsive */
@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .footer-top-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 2rem;
  }

  .footer-tagline-block {
    text-align: left;
    align-items: flex-start;
  }

  .footer-trust-pills {
    justify-content: flex-start;
  }

  .footer-nav-columns {
    flex-direction: column;
    gap: 2rem;
  }

  .footer-nav-col {
    padding: 0;
    width: 100%;
  }

  .footer-col-separator {
    display: none;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 0.5rem;
  }
}


/* Glass card for dark backgrounds (hero widget) */
.glass-card {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
}

/* Right column of the calculator grid */
.calc-right {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

/* Calculator viz card override for light background */
.calculator-viz-card {
  background: linear-gradient(180deg, #ffffff 0%, var(--bg-light) 100%) !important;
  backdrop-filter: none !important;
  border: 1px solid var(--border-color) !important;
  color: var(--text-main) !important;
}

/* ==========================================
   RESPONSIVE OVERRIDES
   ========================================== */
@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .hero h1 {
    font-size: 2.25rem;
  }

  .hero-stats {
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
  }

  .stat-item h3 {
    font-size: 1.4rem;
  }

  .hero-widget-tabs-container {
    max-width: 100%;
  }

  .section-header h2 {
    font-size: 1.9rem;
  }

  .calc-left {
    padding: 1.75rem;
  }

  .blogs-grid {
    grid-template-columns: 1fr;
  }

  .carousel-outer-container {
    height: 420px;
  }

  .faq-contact-grid {
    gap: 2rem;
  }
  
  .range-carousel-container {
    padding: 1.75rem;
  }

  .edu-factors-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .hero h1 {
    font-size: 1.9rem;
  }

  .hero-stats {
    grid-template-columns: 1fr 1fr;
    gap: 1rem 0.75rem;
  }

  .hero-stats .stat-item:last-child {
    grid-column: 1 / -1;
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 1rem;
    margin-top: 0.25rem;
  }

  .edu-factors-grid {
    grid-template-columns: 1fr;
  }

  .benefits-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .blog-meta {
    flex-wrap: wrap;
    gap: 0.5rem;
  }
}

/* ==========================================
   PREMIUM CONTACT SECTION
   ========================================== */

/* Outer panel: two-column split */
.contact-panel {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-color);
}

/* Left info side — dark gradient */
.contact-info-side {
  background: linear-gradient(145deg, var(--primary) 0%, #0f2135 100%);
  padding: 3rem 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  position: relative;
  overflow: hidden;
}

/* decorative background circle */
.contact-info-side::before {
  content: '';
  position: absolute;
  width: 280px;
  height: 280px;
  background: radial-gradient(circle, rgba(46, 196, 160, 0.12) 0%, transparent 70%);
  bottom: -60px;
  right: -60px;
  pointer-events: none;
}

.contact-info-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.25);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 800;
  padding: 0.4rem 1rem;
  border-radius: 50px;
  width: fit-content;
}

.contact-badge-dot {
  width: 7px;
  height: 7px;
  background: var(--accent);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--accent);
  animation: pulse-soft 2s infinite;
}

.contact-info-title {
  font-family: 'Outfit', sans-serif;
  font-size: 2.2rem;
  font-weight: 900;
  color: #ffffff;
  line-height: 1.2;
  margin: 0;
}

.contact-info-desc {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.7;
  margin: 0;
}

.contact-detail-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.contact-detail-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.contact-detail-icon {
  width: 40px;
  height: 40px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  display: grid;
  place-items: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.detail-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255, 255, 255, 0.4);
  margin: 0 0 0.2rem;
}

.detail-value {
  font-size: 0.875rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.85);
  margin: 0;
}

/* Satisfaction ring stat */
.contact-response-stat {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 1.1rem 1.25rem;
  margin-top: auto;
}

.stat-ring-small {
  position: relative;
  flex-shrink: 0;
}

.ring-label {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-family: 'Outfit', sans-serif;
  font-size: 0.8rem;
  font-weight: 900;
  color: var(--accent);
}

.response-stat-title {
  font-size: 0.875rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.85);
  margin: 0 0 0.25rem;
}

.response-stat-sub {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.4);
  margin: 0;
}

/* Right form side */
.contact-form-side {
  background-color: var(--bg-white);
  padding: 3rem 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.contact-form-header h4 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 0.4rem;
}

.contact-form-header p {
  font-size: 0.875rem;
  color: var(--text-muted);
  margin: 0;
}

/* Premium Form */
.premium-form {
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
}

/* Two-column row */
.form-row-two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Floating Label Input Pattern */
.floating-field {
  position: relative;
}

.floating-input {
  width: 100%;
  padding: 1.25rem 1rem 0.5rem;
  border: 1.5px solid #D6DFE8;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-family: inherit;
  color: var(--primary);
  background-color: var(--bg-light);
  outline: none;
  transition: border-color 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease;
  -webkit-appearance: none;
  appearance: none;
}

.floating-input:focus {
  border-color: var(--accent);
  background-color: var(--bg-white);
  box-shadow: 0 0 0 3px rgba(46, 196, 160, 0.12);
}

.floating-label {
  position: absolute;
  left: 1rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.875rem;
  color: var(--text-muted);
  pointer-events: none;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  font-weight: 600;
  background: transparent;
  padding: 0 0.2rem;
}

/* Float label up when input has content or is focused */
.floating-input:focus ~ .floating-label,
.floating-input:not(:placeholder-shown) ~ .floating-label {
  top: 0.45rem;
  font-size: 0.65rem;
  color: var(--accent);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Field icon */
.field-icon {
  position: absolute;
  right: 1rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.95rem;
  pointer-events: none;
  opacity: 0.45;
}

/* Select field */
.floating-select {
  cursor: pointer;
  padding-right: 2.5rem;
}

.select-arrow {
  font-size: 1rem;
  color: var(--text-muted);
}

/* Textarea field */
.textarea-field .floating-input {
  min-height: 110px;
  resize: vertical;
  padding-top: 1.5rem;
}

.textarea-field .floating-label {
  top: 1.25rem;
  transform: none;
}

.floating-textarea:focus ~ .floating-label,
.floating-textarea:not(:placeholder-shown) ~ .floating-label {
  top: 0.45rem;
  font-size: 0.65rem;
  color: var(--accent);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Submit button */
.contact-submit-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  padding: 1rem 2rem;
  background: linear-gradient(135deg, var(--primary) 0%, #254D6E 100%);
  color: #ffffff;
  border: none;
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-weight: 800;
  font-family: 'Outfit', sans-serif;
  cursor: pointer;
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  box-shadow: 0 6px 20px rgba(27, 58, 87, 0.25);
  letter-spacing: 0.02em;
  margin-top: 0.5rem;
}

.contact-submit-btn:hover {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-hover) 100%);
  transform: translateY(-2px);
  box-shadow: var(--shadow-accent);
}

.contact-submit-btn:active {
  transform: translateY(0);
}

.submit-btn-icon {
  display: flex;
  align-items: center;
  transition: transform 0.3s ease;
}

.contact-submit-btn:hover .submit-btn-icon {
  transform: translateX(3px);
}

.form-privacy-note {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-align: center;
  line-height: 1.4;
  margin: 0;
}

/* Spin animation for loading state */
@keyframes spin {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

/* Responsive */
@media (max-width: 992px) {
  .contact-panel {
    grid-template-columns: 1fr;
  }

  .contact-info-side {
    padding: 2.5rem 2rem;
  }

  .contact-response-stat {
    margin-top: 0;
  }
}

@media (max-width: 576px) {
  .form-row-two {
    grid-template-columns: 1fr;
  }

  .contact-form-side {
    padding: 2rem 1.5rem;
  }

  .contact-info-title {
    font-size: 1.75rem;
  }
}


/* ==========================================================================
   BLOG DETAIL PAGES STYLES
   ========================================================================== */
.blog-detail-hero {
  padding: 8rem 0 3.5rem;
  background: linear-gradient(135deg, #102F49 0%, #1B3A57 60%, #154562 100%);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.blog-detail-hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(46, 196, 160, 0.15) 0%, rgba(46, 196, 160, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.breadcrumb-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  margin-bottom: 1.5rem;
  color: rgba(255, 255, 255, 0.7);
}

.breadcrumb-nav a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  transition: color 0.2s;
}

.breadcrumb-nav a:hover {
  color: var(--accent);
}

.blog-detail-tag {
  display: inline-block;
  padding: 0.35rem 0.9rem;
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background: rgba(46, 196, 160, 0.2);
  color: var(--accent);
  border: 1px solid rgba(46, 196, 160, 0.4);
  margin-bottom: 1rem;
}

.blog-detail-title {
  font-size: 2.75rem;
  line-height: 1.2;
  font-weight: 800;
  margin-bottom: 1.25rem;
  color: #ffffff;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .blog-detail-title {
    font-size: 2rem;
  }
}

.blog-detail-lead {
  font-size: 1.15rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.85);
  max-width: 800px;
  margin-bottom: 1.75rem;
}

.blog-meta-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.75);
}

.blog-meta-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.blog-detail-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 3.5rem;
  padding: 4rem 0 6rem;
}

@media (max-width: 992px) {
  .blog-detail-layout {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

.blog-main-content {
  color: #2D3748;
  font-size: 1.05rem;
  line-height: 1.8;
}

.blog-main-content h2 {
  font-size: 1.85rem;
  color: #1B3A57;
  margin: 2.5rem 0 1rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.blog-main-content h3 {
  font-size: 1.35rem;
  color: #1B3A57;
  margin: 1.75rem 0 0.75rem;
  font-weight: 700;
}

.blog-main-content p {
  margin-bottom: 1.25rem;
}

.blog-main-content ul, .blog-main-content ol {
  margin: 1rem 0 1.5rem 1.5rem;
}

.blog-main-content li {
  margin-bottom: 0.6rem;
}

/* Interactive Widgets inside Blog */
.interactive-widget-box {
  background: #F7FAFC;
  border: 1px solid #E2E8F0;
  border-left: 4px solid var(--accent);
  border-radius: 1rem;
  padding: 1.75rem;
  margin: 2rem 0;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.04);
}

.interactive-widget-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.25rem;
}

.interactive-widget-header h4 {
  font-size: 1.2rem;
  font-weight: 700;
  color: #1B3A57;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.habit-check-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.habit-check-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.85rem 1rem;
  background: #ffffff;
  border: 1px solid #E2E8F0;
  border-radius: 0.75rem;
  cursor: pointer;
  transition: all 0.2s;
}

.habit-check-item:hover {
  border-color: var(--accent);
  background: #F0FDF4;
}

.habit-check-item input[type="checkbox"] {
  margin-top: 0.25rem;
  width: 18px;
  height: 18px;
  accent-color: #2EC4A0;
  cursor: pointer;
}

.habit-progress-bar-wrap {
  margin-top: 1.5rem;
  background: #EDF2F7;
  border-radius: 999px;
  height: 12px;
  overflow: hidden;
}

.habit-progress-fill {
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, #FFB347, #2EC4A0);
  border-radius: 999px;
  transition: width 0.4s ease;
}

.habit-score-result {
  margin-top: 1rem;
  padding: 1rem;
  background: #102F49;
  color: #ffffff;
  border-radius: 0.75rem;
  text-align: center;
  font-weight: 700;
}

/* Simulator Widget */
.sim-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 1rem;
}

@media (max-width: 600px) {
  .sim-grid {
    grid-template-columns: 1fr;
  }
}

.sim-input-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #4A5568;
  margin-bottom: 0.35rem;
}

.sim-input-group input {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid #CBD5E0;
  border-radius: 0.5rem;
  font-size: 1rem;
}

.sim-output-card {
  background: #ffffff;
  border: 2px solid #2EC4A0;
  border-radius: 0.75rem;
  padding: 1rem 1.25rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.sim-percent-highlight {
  font-size: 1.75rem;
  font-weight: 800;
  color: #2EC4A0;
}

/* Copy Template Box */
.copy-template-container {
  background: #102F49;
  color: #E2E8F0;
  border-radius: 0.75rem;
  padding: 1.5rem;
  margin: 1.5rem 0;
  position: relative;
}

.copy-template-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-bottom: 0.75rem;
}

.copy-template-btn {
  background: #2EC4A0;
  color: #102F49;
  border: none;
  padding: 0.4rem 0.9rem;
  border-radius: 0.5rem;
  font-weight: 700;
  font-size: 0.8rem;
  cursor: pointer;
  transition: all 0.2s;
}

.copy-template-btn:hover {
  background: #63E2C4;
}

.copy-template-content {
  font-family: monospace;
  font-size: 0.85rem;
  line-height: 1.6;
  white-space: pre-wrap;
  background: rgba(0, 0, 0, 0.2);
  padding: 1rem;
  border-radius: 0.5rem;
}

/* Interactive Error Selector */
.error-selector-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
  margin: 1.5rem 0;
}

.error-select-btn {
  background: #ffffff;
  border: 2px solid #E2E8F0;
  padding: 1rem;
  border-radius: 0.75rem;
  text-align: left;
  cursor: pointer;
  transition: all 0.2s;
  font-size: 0.9rem;
  font-weight: 600;
  color: #1B3A57;
}

.error-select-btn:hover, .error-select-btn.active {
  border-color: #2EC4A0;
  background: #F0FDF4;
  box-shadow: 0 4px 12px rgba(46, 196, 160, 0.15);
}

.error-resolution-details {
  background: #ffffff;
  border: 1px solid #E2E8F0;
  border-radius: 0.75rem;
  padding: 1.5rem;
  margin-top: 1rem;
}

/* Sidebar */
.blog-sidebar {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.sidebar-sticky-card {
  position: sticky;
  top: 6rem;
  background: #ffffff;
  border: 1px solid #E2E8F0;
  border-radius: 1rem;
  padding: 1.75rem;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
}

.sidebar-cta-card {
  background: linear-gradient(135deg, #102F49, #1B3A57);
  color: #ffffff;
  border-radius: 1rem;
  padding: 1.75rem;
  text-align: center;
}

.sidebar-cta-card h4 {
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 0.75rem;
  color: #ffffff;
}

.sidebar-cta-card p {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 1.25rem;
}

.next-article-card {
  display: block;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 1rem;
  padding: 1.5rem;
  text-decoration: none;
  transition: all 0.3s;
  color: inherit;
  margin-top: 3rem;
}

.next-article-card:hover {
  border-color: #2EC4A0;
  transform: translateY(-3px);
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.06);
}

.next-article-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: #2EC4A0;
  margin-bottom: 0.5rem;
}

.next-article-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: #1B3A57;
}



/* ==========================================================================
   TRUSTED & SECURED: INTEGRATED CREDIT BUREAUS & STRATEGIC PARTNERSHIPS
   ========================================================================== */
.security-partners-section {
  padding: 85px 0;
  background: linear-gradient(180deg, rgba(27, 58, 87, 0.02) 0%, rgba(46, 196, 160, 0.05) 100%);
  position: relative;
}

.bureau-integration-block {
  margin-bottom: 40px;
}

.bureau-block-header {
  text-align: center;
  margin-bottom: 28px;
}

.bureau-block-header h3 {
  font-size: 24px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 6px;
}

.bureau-block-header p {
  font-size: 14px;
  color: #64748b;
  max-width: 600px;
  margin: 0 auto;
}

.bureau-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 24px;
}

.bureau-feature-card {
  padding: 30px 28px;
  border-radius: 20px;
  background: #ffffff;
  border: 1px solid rgba(46, 196, 160, 0.22);
  box-shadow: 0 10px 30px rgba(27, 58, 87, 0.05);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
}

.bureau-feature-card:hover {
  transform: translateY(-4px);
  border-color: #2EC4A0;
  box-shadow: 0 16px 36px rgba(46, 196, 160, 0.15);
}

.bureau-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
  gap: 12px;
}

.bureau-brand-wrap {
  display: flex;
  align-items: center;
  gap: 14px;
}

.bureau-logo-badge {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 15px;
  letter-spacing: 0.5px;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0,0,0,0.06);
}

.bureau-logo-badge.crif {
  background: linear-gradient(135deg, #0288D1 0%, #01579B 100%);
  color: #ffffff;
}

.bureau-logo-badge.experian {
  background: linear-gradient(135deg, #7B1FA2 0%, #4A148C 100%);
  color: #ffffff;
}

.bureau-brand-wrap h4 {
  font-size: 18px;
  font-weight: 800;
  color: #1B3A57;
  margin: 0 0 2px 0;
}

.bureau-license-tag {
  font-size: 11px;
  font-weight: 700;
  color: #0d9488;
  background: rgba(46, 196, 160, 0.12);
  padding: 2px 8px;
  border-radius: 6px;
  display: inline-block;
}

.live-sync-pill {
  font-size: 11px;
  font-weight: 700;
  color: #059669;
  background: rgba(16, 185, 129, 0.1);
  padding: 5px 10px;
  border-radius: 20px;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}

.pulse-dot {
  width: 6px;
  height: 6px;
  background: #10B981;
  border-radius: 50%;
  box-shadow: 0 0 0 2px rgba(16, 185, 129, 0.3);
  animation: pulse-ring 2s infinite;
}

.bureau-desc {
  font-size: 14px;
  color: #475569;
  line-height: 1.55;
  margin-bottom: 20px;
  flex-grow: 1;
}

.bureau-feature-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  border-top: 1px dashed #e2e8f0;
  padding-top: 16px;
}

.bureau-feature-list li {
  font-size: 13px;
  color: #1B3A57;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
}

.bureau-feature-list .check-icon {
  color: #2EC4A0;
  font-weight: 900;
}

/* Security Pillars Grid */
.security-pillars-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  margin-bottom: 40px;
}

.sec-pillar-card {
  padding: 24px;
  border-radius: 18px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  box-shadow: 0 6px 20px rgba(27, 58, 87, 0.04);
  transition: all 0.3s ease;
}

.sec-pillar-card:hover {
  transform: translateY(-2px);
  border-color: #2EC4A0;
  box-shadow: 0 10px 28px rgba(46, 196, 160, 0.12);
}

.sec-pillar-icon {
  font-size: 26px;
  margin-bottom: 12px;
}

.sec-pillar-card h4 {
  font-size: 16px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 6px;
}

.sec-pillar-card p {
  font-size: 13px;
  color: #64748b;
  line-height: 1.5;
  margin: 0;
}

/* Strategic Partnerships Banner */
.partnerships-banner-card {
  padding: 36px 32px;
  border-radius: 22px;
  background: linear-gradient(135deg, rgba(27, 58, 87, 0.96) 0%, rgba(15, 36, 56, 0.98) 100%);
  color: #ffffff;
  box-shadow: 0 20px 45px rgba(27, 58, 87, 0.2);
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.partnerships-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
  margin-bottom: 28px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 24px;
}

.partner-eyebrow {
  font-size: 13px;
  font-weight: 700;
  color: #2EC4A0;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: inline-block;
  margin-bottom: 6px;
}

.partnerships-intro h3 {
  font-size: 22px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 6px;
}

.partnerships-intro p {
  font-size: 14px;
  color: #cbd5e1;
  max-width: 650px;
  line-height: 1.5;
  margin: 0;
}

.partner-stat-badge {
  background: rgba(46, 196, 160, 0.15);
  border: 1px solid rgba(46, 196, 160, 0.4);
  padding: 14px 22px;
  border-radius: 16px;
  text-align: center;
  flex-shrink: 0;
}

.stat-big {
  font-size: 32px;
  font-weight: 900;
  color: #2EC4A0;
  display: block;
  line-height: 1;
}

.stat-sub {
  font-size: 11px;
  font-weight: 700;
  color: #e2e8f0;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.partner-categories-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
}

.partner-category-item {
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.08);
  padding: 16px;
  border-radius: 14px;
  transition: all 0.25s ease;
}

.partner-category-item:hover {
  background: rgba(46, 196, 160, 0.12);
  border-color: rgba(46, 196, 160, 0.35);
  transform: translateY(-2px);
}

.pcat-icon {
  font-size: 24px;
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.pcat-info strong {
  font-size: 13px;
  color: #ffffff;
  display: block;
  margin-bottom: 2px;
}

.pcat-info span {
  font-size: 11px;
  color: #94a3b8;
}

@media (max-width: 768px) {
  header {
    height: 82px;
  }
  .logo {
    height: 68px;
  }
  .logo img {
    height: 62px;
    max-height: 62px;
  }
  .partnerships-banner-card {
    padding: 24px 20px;
  }
  .bureau-cards-grid {
    grid-template-columns: 1fr;
  }
  .partner-categories-grid {
    grid-template-columns: 1fr;
  }
}


/* Header & Navigation */
header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: 102px;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-color);
  display: flex;
  align-items: center;
  transition: all 0.3s ease;
}

.logo {
  display: flex;
  align-items: center;
  height: 88px;
}

.logo img {
  height: 80px;
  max-height: 80px;
  width: auto;
  object-fit: contain;
  transition: transform 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.06));
}

.logo:hover img {
  transform: scale(1.05);
}


/* ==========================================================================
   UPDATED APP DOWNLOAD & PLAY STORE VIDEO TRAILER
   ========================================================================== */
.download-section {
  background: linear-gradient(135deg, #1B3A57 0%, #0f2438 100%);
  color: #ffffff;
  padding: 85px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  z-index: 10;
  overflow: hidden;
}

.download-main-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: center;
}

.app-rating-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 196, 160, 0.15);
  border: 1px solid rgba(46, 196, 160, 0.35);
  padding: 6px 14px;
  border-radius: 30px;
  margin-bottom: 16px;
}

.rating-stars {
  color: #FFB300;
  font-size: 13px;
  letter-spacing: 2px;
}

.rating-text {
  font-size: 12px;
  font-weight: 700;
  color: #2EC4A0;
  letter-spacing: 0.3px;
}

.download-text-col h2 {
  color: #ffffff;
  font-size: 32px;
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: 12px;
}

.download-sub {
  color: #cbd5e1;
  font-size: 15px;
  line-height: 1.6;
  margin-bottom: 24px;
}

.app-feature-bullets {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 30px;
}

.app-bullet {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: #e2e8f0;
  font-weight: 600;
}

.bullet-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(46, 196, 160, 0.2);
  color: #2EC4A0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 900;
  flex-shrink: 0;
}

/* Updated Vector Store Badges */
.download-badges-wrapper {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.store-badge-card {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  background: #000000;
  color: #ffffff;
  padding: 10px 20px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  text-decoration: none;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.3);
}

.store-badge-card:hover {
  transform: translateY(-3px);
  border-color: #2EC4A0;
  box-shadow: 0 10px 28px rgba(46, 196, 160, 0.25);
  background: #0a0a0a;
}

.badge-icon-box {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.badge-text-box {
  display: flex;
  flex-direction: column;
  text-align: left;
  line-height: 1.15;
}

.badge-sub {
  font-size: 10px;
  font-weight: 500;
  color: #94a3b8;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.badge-main {
  font-size: 17px;
  font-weight: 700;
  color: #ffffff;
  font-family: inherit;
}

/* App Trailer Card */
.app-trailer-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(46, 196, 160, 0.35);
  border-radius: 22px;
  padding: 20px;
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.35);
  backdrop-filter: blur(12px);
}

.trailer-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.trailer-tag {
  font-size: 12px;
  font-weight: 800;
  color: #2EC4A0;
  display: flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.play-indicator-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #FF5252;
  box-shadow: 0 0 0 2px rgba(255, 82, 82, 0.4);
  animation: pulse-ring 1.5s infinite;
}

.trailer-duration {
  font-size: 11px;
  font-weight: 700;
  color: #94a3b8;
  background: rgba(255, 255, 255, 0.1);
  padding: 3px 8px;
  border-radius: 6px;
}

.video-preview-frame {
  position: relative;
  border-radius: 14px;
  overflow: hidden;
  background: #000000;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.4);
  aspect-ratio: 16/10;
  cursor: pointer;
}

.video-thumbnail-wrap {
  width: 100%;
  height: 100%;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.trailer-thumb-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.video-thumbnail-wrap:hover .trailer-thumb-img {
  transform: scale(1.04);
}

.video-overlay-backdrop {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(180deg, rgba(0,0,0,0.2) 0%, rgba(0,0,0,0.75) 100%);
}

.play-button-circle {
  position: absolute;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: rgba(46, 196, 160, 0.9);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 24px rgba(46, 196, 160, 0.7);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 2;
}

.play-button-circle svg {
  margin-left: 3px;
}

.video-thumbnail-wrap:hover .play-button-circle {
  transform: scale(1.12);
  background: #2EC4A0;
  box-shadow: 0 0 32px rgba(46, 196, 160, 0.9);
}

.video-caption-overlay {
  position: absolute;
  bottom: 12px;
  left: 14px;
  right: 14px;
  z-index: 2;
  text-align: left;
}

.video-caption-overlay strong {
  display: block;
  font-size: 14px;
  color: #ffffff;
  margin-bottom: 2px;
}

.video-caption-overlay span {
  display: block;
  font-size: 11px;
  color: #cbd5e1;
}

.trailer-footer-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  flex-wrap: wrap;
  gap: 10px;
}

.trailer-verified {
  font-size: 12px;
  color: #cbd5e1;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
}

.btn-xs {
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 700;
  border-radius: 8px;
}

.btn-outline-light {
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: #ffffff;
  background: rgba(255, 255, 255, 0.05);
  text-decoration: none;
  transition: all 0.2s ease;
}

.btn-outline-light:hover {
  border-color: #2EC4A0;
  color: #2EC4A0;
  background: rgba(46, 196, 160, 0.1);
}

/* Footer store badges */
.footer-store-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  color: rgba(255, 255, 255, 0.85);
  padding: 0.55rem 1.15rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  transition: all var(--transition-fast);
  text-decoration: none;
}

.footer-store-badge svg {
  display: block;
}

@media (max-width: 991px) {
  .download-main-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .download-text-col {
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .app-feature-bullets {
    align-items: flex-start;
  }
  .download-badges-wrapper {
    justify-content: center;
  }
}



/* ==========================================================================
   REDESIGNED PERSISTENT WEBSITE FOOTER
   ========================================================================== */
footer {
  background: linear-gradient(180deg, #1B3A57 0%, #0c1c2b 100%);
  color: rgba(255, 255, 255, 0.7);
  padding: 5.5rem 0 2.5rem;
  font-size: 0.875rem;
  border-top: 1px solid rgba(46, 196, 160, 0.2);
  position: relative;
  z-index: 10;
}

.footer-top-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 3.5rem;
  padding-bottom: 3rem;
  flex-wrap: wrap;
}

.footer-brand {
  max-width: 460px;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.footer-logo {
  display: inline-flex;
  align-items: center;
  background-color: #ffffff;
  padding: 0.75rem 1.4rem;
  border-radius: 14px;
  width: fit-content;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18), 0 0 0 1px rgba(46, 196, 160, 0.35);
  transition: all 0.3s ease;
}

.footer-logo:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(46, 196, 160, 0.35), 0 0 0 1.5px rgba(46, 196, 160, 0.5);
}

.footer-logo img {
  height: 52px;
  max-height: 52px;
  width: auto;
  object-fit: contain;
  display: block;
}

.company-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 196, 160, 0.15);
  border: 1px solid rgba(46, 196, 160, 0.35);
  color: #2EC4A0;
  font-size: 0.85rem;
  font-weight: 700;
  padding: 0.4rem 1rem;
  border-radius: 20px;
  letter-spacing: 0.3px;
  width: fit-content;
}

.footer-brand-desc {
  font-size: 0.875rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.65);
}

/* Social Media Section */
.footer-social-wrapper {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 4px;
  flex-wrap: wrap;
}

.social-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255, 255, 255, 0.5);
}

.footer-social-icons {
  display: flex;
  gap: 10px;
}

.social-icon-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none;
}

.social-icon-btn:hover {
  transform: translateY(-3px);
  background: #2EC4A0;
  border-color: #2EC4A0;
  color: #1B3A57;
  box-shadow: 0 6px 18px rgba(46, 196, 160, 0.4);
}

.social-icon-btn.instagram:hover {
  background: linear-gradient(135deg, #833ab4, #fd1d1d, #fcb045);
  border-color: transparent;
  color: #ffffff;
  box-shadow: 0 6px 18px rgba(253, 29, 29, 0.4);
}

.social-icon-btn.facebook:hover {
  background: #1877F2;
  border-color: #1877F2;
  color: #ffffff;
  box-shadow: 0 6px 18px rgba(24, 119, 242, 0.4);
}

.social-icon-btn.youtube:hover {
  background: #FF0000;
  border-color: #FF0000;
  color: #ffffff;
  box-shadow: 0 6px 18px rgba(255, 0, 0, 0.4);
}

.social-icon-btn.linkedin:hover {
  background: #0A66C2;
  border-color: #0A66C2;
  color: #ffffff;
  box-shadow: 0 6px 18px rgba(10, 102, 194, 0.4);
}

/* Tagline & Store Buttons */
.footer-tagline-block {
  text-align: right;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 1.25rem;
}

.footer-tagline {
  font-family: 'Outfit', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.95);
  line-height: 1.3;
  margin: 0;
}

.footer-trust-pills {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.footer-store-buttons {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.footer-store-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  color: rgba(255, 255, 255, 0.85);
  padding: 0.55rem 1.15rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  transition: all var(--transition-fast);
  text-decoration: none;
}

.footer-store-badge:hover {
  background: rgba(46, 196, 160, 0.15);
  border-color: rgba(46, 196, 160, 0.4);
  color: var(--accent);
}

.footer-divider {
  height: 1px;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.12) 20%,
    rgba(46, 196, 160, 0.35) 50%,
    rgba(255, 255, 255, 0.12) 80%,
    transparent 100%
  );
  margin-bottom: 3.5rem;
}

/* Nav Columns */
.footer-nav-columns {
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  gap: 0;
  margin-bottom: 3.5rem;
}

.footer-nav-col {
  flex: 1;
  padding: 0 2.5rem;
}

.footer-nav-col:first-child {
  padding-left: 0;
}

.footer-nav-col:last-child {
  padding-right: 0;
}

.footer-col-separator {
  width: 1px;
  align-self: stretch;
  background: linear-gradient(
    180deg,
    transparent 0%,
    rgba(255, 255, 255, 0.12) 20%,
    rgba(255, 255, 255, 0.12) 80%,
    transparent 100%
  );
  flex-shrink: 0;
}

.footer-col-heading {
  font-family: 'Outfit', sans-serif;
  color: var(--bg-white);
  font-size: 0.75rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.footer-col-heading::after {
  content: '';
  flex: 1;
  height: 1px;
  background: rgba(255, 255, 255, 0.1);
  display: block;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.65);
  font-weight: 600;
  font-size: 0.85rem;
  transition: all var(--transition-fast);
  display: inline-block;
  text-decoration: none;
}

.footer-links a:hover {
  color: var(--accent);
  transform: translateX(4px);
}

/* Bottom Bar */
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
}

.copyright-text p {
  margin: 0 0 4px 0;
  color: rgba(255, 255, 255, 0.85);
}

.copyright-text strong {
  color: #2EC4A0;
}

.corp-cin {
  font-size: 0.725rem;
  color: rgba(255, 255, 255, 0.45);
}

.footer-bureau-compliance strong {
  color: rgba(255, 255, 255, 0.85);
}

@media (max-width: 991px) {
  .footer-top-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 2rem;
  }
  .footer-tagline-block {
    text-align: left;
    align-items: flex-start;
  }
  .footer-trust-pills, .footer-store-buttons {
    justify-content: flex-start;
  }
  .footer-nav-columns {
    flex-direction: column;
    gap: 2rem;
  }
  .footer-nav-col {
    padding: 0;
    width: 100%;
  }
  .footer-col-separator {
    display: none;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
    align-items: center;
    gap: 1rem;
  }
}



/* ==========================================================================
   HERO CREDIT CHECK FORM (APP REDIRECT)
   ========================================================================== */
.hero-credit-check-card {
  padding: 28px 26px;
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.95);
  border: 1.5px solid rgba(46, 196, 160, 0.35);
  box-shadow: 0 16px 45px rgba(27, 58, 87, 0.12);
  backdrop-filter: blur(12px);
  position: relative;
  z-index: 5;
}

.check-card-header {
  margin-bottom: 20px;
  text-align: left;
}

.check-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(46, 196, 160, 0.12);
  color: #0f766e;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 8px;
}

.check-card-header h3 {
  font-size: 20px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 4px;
}

.check-card-sub {
  font-size: 12px;
  color: #64748b;
  line-height: 1.4;
  margin: 0;
}

.hero-check-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.form-group-hero {
  display: flex;
  flex-direction: column;
  gap: 4px;
  text-align: left;
}

.hero-field-label {
  font-size: 12px;
  font-weight: 700;
  color: #1B3A57;
}

.hero-input-wrap {
  display: flex;
  align-items: center;
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  padding: 0 12px;
  transition: all 0.2s ease;
}

.hero-input-wrap:focus-within {
  border-color: #2EC4A0;
  background: #ffffff;
  box-shadow: 0 0 0 3px rgba(46, 196, 160, 0.15);
}

.hero-input-icon {
  font-size: 15px;
  margin-right: 8px;
  color: #94a3b8;
}

.hero-input-prefix {
  font-size: 14px;
  font-weight: 700;
  color: #1B3A57;
  margin-right: 6px;
}

.hero-input-field {
  flex: 1;
  border: none;
  background: transparent;
  padding: 10px 0;
  font-size: 14px;
  font-weight: 600;
  color: #1B3A57;
  outline: none;
}

.hero-input-field.pan-field {
  text-transform: uppercase;
  letter-spacing: 1px;
}

.hero-consent-row {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  text-align: left;
  margin: 2px 0 4px 0;
}

.hero-consent-check {
  margin-top: 3px;
  accent-color: #2EC4A0;
  cursor: pointer;
}

.hero-consent-label {
  font-size: 11px;
  color: #64748b;
  line-height: 1.4;
  cursor: pointer;
}

.hero-consent-label a {
  color: #2EC4A0;
  text-decoration: underline;
}

.hero-check-submit-btn {
  width: 100%;
  padding: 12px 20px;
  font-size: 15px;
  font-weight: 800;
  border-radius: 12px;
  box-shadow: 0 6px 20px rgba(46, 196, 160, 0.35);
  cursor: pointer;
}

.check-card-trust-row {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  font-weight: 700;
  color: #0f766e;
  padding: 4px 2px 0;
}

/* ==========================================================================
   OVERDUE CLOSURE & SETTLEMENT SECTION
   ========================================================================== */
.overdue-settlement-section {
  padding: 85px 0;
  background: linear-gradient(180deg, rgba(27, 58, 87, 0.03) 0%, rgba(46, 196, 160, 0.06) 100%);
  position: relative;
}

.settlement-steps-flow {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  align-items: stretch;
  margin-bottom: 36px;
}

.settlement-step-card {
  padding: 24px 20px;
  border-radius: 18px;
  background: #ffffff;
  border: 1px solid rgba(46, 196, 160, 0.2);
  box-shadow: 0 8px 24px rgba(27, 58, 87, 0.05);
  position: relative;
  display: flex;
  flex-direction: column;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.settlement-step-card:hover {
  transform: translateY(-4px);
  border-color: #2EC4A0;
  box-shadow: 0 14px 32px rgba(46, 196, 160, 0.18);
}

.settlement-step-card.highlight {
  background: linear-gradient(135deg, rgba(46, 196, 160, 0.08) 0%, rgba(27, 58, 87, 0.04) 100%);
  border: 1.5px solid #2EC4A0;
}

.step-num-badge {
  position: absolute;
  top: -12px;
  left: 20px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #1B3A57;
  color: #ffffff;
  font-size: 13px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 10px rgba(27, 58, 87, 0.25);
}

.step-num-badge.active {
  background: #2EC4A0;
  color: #1B3A57;
  box-shadow: 0 4px 12px rgba(46, 196, 160, 0.4);
}

.step-icon-wrap {
  font-size: 28px;
  margin: 8px 0 12px 0;
}

.step-title {
  font-size: 18px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 2px;
}

.step-subtitle {
  font-size: 11px;
  font-weight: 700;
  color: #0d9488;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 10px;
  display: inline-block;
}

.step-desc {
  font-size: 13px;
  color: #475569;
  line-height: 1.5;
  margin-bottom: 16px;
  flex-grow: 1;
}

.step-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
  border-top: 1px dashed #e2e8f0;
  padding-top: 12px;
}

.step-checklist li {
  font-size: 12px;
  font-weight: 600;
  color: #1B3A57;
  display: flex;
  align-items: center;
  gap: 6px;
}

.step-checklist li span {
  color: #2EC4A0;
  font-weight: 900;
}

.step-connector-arrow {
  display: none;
}

/* Settlement CTA Card */
.settlement-cta-card {
  padding: 28px 32px;
  border-radius: 20px;
  background: linear-gradient(135deg, #1B3A57 0%, #0c1c2b 100%);
  color: #ffffff;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
  box-shadow: 0 16px 40px rgba(27, 58, 87, 0.2);
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.settlement-cta-left {
  display: flex;
  align-items: center;
  gap: 18px;
  max-width: 650px;
}

.cta-icon-box {
  font-size: 32px;
  width: 54px;
  height: 54px;
  border-radius: 14px;
  background: rgba(46, 196, 160, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.settlement-cta-left h4 {
  font-size: 18px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 4px;
}

.settlement-cta-left p {
  font-size: 13px;
  color: #cbd5e1;
  margin: 0;
  line-height: 1.5;
}

/* ==========================================================================
   EDUCATIONAL VIDEO GUIDE SECTION
   ========================================================================== */
.video-tutorial-section {
  padding: 85px 0;
  background: #ffffff;
  position: relative;
}

.video-tutorial-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 36px;
  align-items: center;
}

.video-player-card {
  border-radius: 22px;
  overflow: hidden;
  background: #000000;
  box-shadow: 0 20px 50px rgba(27, 58, 87, 0.18);
  border: 1.5px solid rgba(46, 196, 160, 0.3);
}

.video-embed-container {
  width: 100%;
  aspect-ratio: 16/10;
  position: relative;
  overflow: hidden;
}

.video-stage {
  width: 100%;
  height: 100%;
  position: relative;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}

.video-poster-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.video-stage:hover .video-poster-img {
  transform: scale(1.04);
}

.video-stage-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(180deg, rgba(27, 58, 87, 0.2) 0%, rgba(12, 28, 43, 0.85) 100%);
}

.video-play-button-big {
  position: absolute;
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: #2EC4A0;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 30px rgba(46, 196, 160, 0.8);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 2;
}

.video-play-button-big svg {
  margin-left: 4px;
}

.video-stage:hover .video-play-button-big {
  transform: scale(1.15);
  box-shadow: 0 0 45px rgba(46, 196, 160, 1);
}

.video-badge-runtime {
  position: absolute;
  top: 16px;
  right: 16px;
  background: rgba(0, 0, 0, 0.65);
  color: #ffffff;
  font-size: 11px;
  font-weight: 800;
  padding: 4px 10px;
  border-radius: 6px;
  backdrop-filter: blur(4px);
  z-index: 2;
}

.video-caption-bar {
  position: absolute;
  bottom: 16px;
  left: 18px;
  right: 18px;
  z-index: 2;
  text-align: left;
}

.video-caption-bar strong {
  display: block;
  font-size: 16px;
  color: #ffffff;
  margin-bottom: 2px;
}

.video-caption-bar span {
  display: block;
  font-size: 12px;
  color: #cbd5e1;
}

/* Chapters Column */
.chapters-card {
  padding: 30px 28px;
  border-radius: 20px;
  background: #f8fafc;
  border: 1px solid #e2e8f0;
}

.chapters-title {
  font-size: 18px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 20px;
}

.video-chapter-item {
  display: flex;
  gap: 14px;
  padding: 14px;
  border-radius: 12px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  margin-bottom: 12px;
  cursor: pointer;
  transition: all 0.25s ease;
}

.video-chapter-item:hover, .video-chapter-item.active {
  border-color: #2EC4A0;
  background: rgba(46, 196, 160, 0.05);
  transform: translateX(4px);
}

.chapter-num {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: rgba(46, 196, 160, 0.15);
  color: #0f766e;
  font-size: 13px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.chapter-content h4 {
  font-size: 14px;
  font-weight: 700;
  color: #1B3A57;
  margin-bottom: 3px;
}

.chapter-content p {
  font-size: 12px;
  color: #64748b;
  line-height: 1.4;
  margin-bottom: 4px;
}

.chapter-time {
  font-size: 11px;
  font-weight: 700;
  color: #0d9488;
}

.chapters-cta-row {
  margin-top: 20px;
}

.btn-block {
  width: 100%;
  text-align: center;
}

@media (max-width: 1100px) {
  .settlement-steps-flow {
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  }
}

@media (max-width: 991px) {
  .video-tutorial-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .settlement-steps-flow {
    grid-template-columns: 1fr;
  }
  .settlement-cta-card {
    flex-direction: column;
    text-align: center;
  }
  .settlement-cta-left {
    flex-direction: column;
    text-align: center;
  }
}



/* ==========================================================================
   CLEAN & POLISHED BLOG SYSTEM STYLES
   ========================================================================== */

/* Article Reader Page */
.blog-reader-page {
  background: #f8fafc;
}

.article-page-main {
  padding-top: 105px;
  padding-bottom: 70px;
  min-height: 80vh;
}

.article-container {
  max-width: 840px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Breadcrumbs */
.reader-breadcrumbs {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  color: #64748b;
  margin-bottom: 24px;
}

.reader-breadcrumbs a {
  color: #0d9488;
  text-decoration: none;
  transition: color 0.2s;
}

.reader-breadcrumbs a:hover {
  color: #2EC4A0;
}

.bc-sep {
  color: #cbd5e1;
  font-size: 14px;
}

.bc-current {
  color: #1B3A57;
}

/* Header block */
.reader-header {
  margin-bottom: 28px;
  text-align: left;
}

.reader-meta-bar {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 16px;
}

.reader-category-pill {
  display: inline-flex;
  align-items: center;
  background: rgba(46, 196, 160, 0.14);
  color: #0d9488;
  border: 1px solid rgba(46, 196, 160, 0.4);
  font-size: 11.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 4px 12px;
  border-radius: 6px;
}

.reader-meta-item {
  font-size: 12.5px;
  font-weight: 700;
  color: #64748b;
}

.reader-title {
  font-size: 34px;
  font-weight: 900;
  color: #1B3A57;
  line-height: 1.35;
  margin: 0 0 16px 0;
  letter-spacing: -0.5px;
}

.reader-lead {
  font-size: 16.5px;
  color: #475569;
  line-height: 1.65;
  margin: 0 0 24px 0;
}

/* Author Banner */
.reader-author-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border-radius: 14px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  box-shadow: 0 4px 12px rgba(27, 58, 87, 0.03);
}

.reader-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, #2EC4A0, #1B3A57);
  color: #ffffff;
  font-size: 14px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.reader-author-info strong {
  display: block;
  font-size: 14px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 2px;
}

.reader-author-info span {
  display: block;
  font-size: 11.5px;
  color: #64748b;
}

.reader-date {
  margin-left: auto;
  font-size: 12.5px;
  font-weight: 700;
  color: #0d9488;
  white-space: nowrap;
}

/* Banner Box */
.reader-banner-box {
  border-radius: 20px;
  overflow: hidden;
  max-height: 380px;
  margin-bottom: 32px;
  background: #0f172a;
  border: 1px solid #e2e8f0;
  box-shadow: 0 10px 30px rgba(27, 58, 87, 0.06);
}

.reader-cover-img {
  width: 100%;
  height: 100%;
  max-height: 380px;
  object-fit: cover;
  display: block;
}

/* Article Rich Content */
.reader-content-body {
  background: #ffffff;
  border-radius: 20px;
  padding: 36px 32px;
  border: 1px solid #e2e8f0;
  box-shadow: 0 4px 20px rgba(27, 58, 87, 0.03);
  font-size: 16px;
  color: #334155;
  line-height: 1.8;
  margin-bottom: 28px;
}

.reader-content-body h2 {
  font-size: 22px;
  font-weight: 900;
  color: #1B3A57;
  margin: 28px 0 12px 0;
  padding-bottom: 6px;
  border-bottom: 2px solid rgba(46, 196, 160, 0.2);
}

.reader-content-body h2:first-child {
  margin-top: 0;
}

.reader-content-body h3 {
  font-size: 18px;
  font-weight: 800;
  color: #1B3A57;
  margin: 22px 0 10px 0;
}

.reader-content-body p {
  margin-bottom: 18px;
}

.reader-content-body ul, .reader-content-body ol {
  margin: 0 0 20px 24px;
}

.reader-content-body li {
  margin-bottom: 8px;
}

/* Share Row */
.reader-share-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-radius: 14px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  margin-bottom: 28px;
}

.share-title {
  font-size: 13.5px;
  font-weight: 800;
  color: #1B3A57;
}

.share-btn-group {
  display: flex;
  gap: 10px;
}

.share-btn-item {
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 800;
  border: none;
  cursor: pointer;
  transition: all 0.2s ease;
}

.share-btn-item.wa {
  background: #25D366;
  color: #ffffff;
}

.share-btn-item.li {
  background: #0A66C2;
  color: #ffffff;
}

.share-btn-item.cp {
  background: #1B3A57;
  color: #ffffff;
}

.share-btn-item:hover {
  opacity: 0.9;
  transform: translateY(-2px);
}

/* CTA Box */
.reader-cta-box {
  padding: 32px 28px;
  border-radius: 20px;
  background: linear-gradient(135deg, rgba(46, 196, 160, 0.12) 0%, rgba(27, 58, 87, 0.05) 100%);
  border: 1.5px solid #2EC4A0;
  text-align: center;
  margin-bottom: 28px;
}

.reader-cta-badge {
  display: inline-block;
  background: #2EC4A0;
  color: #1B3A57;
  font-size: 11px;
  font-weight: 900;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 10px;
}

.reader-cta-box h3 {
  font-size: 20px;
  font-weight: 800;
  color: #1B3A57;
  margin-bottom: 8px;
}

.reader-cta-box p {
  font-size: 13.5px;
  color: #475569;
  max-width: 500px;
  margin: 0 auto 18px auto;
}

.reader-back-row {
  text-align: center;
  margin-top: 20px;
}

/* Blogs Hub Page */
.blogs-hub-page {
  background: #f8fafc;
}

.blogs-hub-hero {
  padding: 120px 0 35px 0;
  background: linear-gradient(180deg, rgba(27, 58, 87, 0.04) 0%, rgba(46, 196, 160, 0.08) 100%);
}

.blogs-hero-content {
  max-width: 820px;
  margin: 0 auto;
}

.blogs-hero-content h1 {
  font-size: 38px;
  font-weight: 900;
  color: #1B3A57;
  margin-bottom: 12px;
}

.blogs-hero-content h1 span {
  color: #2EC4A0;
}

.blog-search-box {
  position: relative;
  max-width: 580px;
  margin: 22px auto 18px auto;
  display: flex;
  align-items: center;
  background: #ffffff;
  border: 1.5px solid #cbd5e1;
  border-radius: 14px;
  padding: 0 16px;
  box-shadow: 0 8px 24px rgba(27, 58, 87, 0.08);
}

.blog-search-box:focus-within {
  border-color: #2EC4A0;
  box-shadow: 0 0 0 3px rgba(46, 196, 160, 0.2);
}

.blog-search-box .search-icon {
  font-size: 18px;
  margin-right: 10px;
}

.blog-search-box input {
  flex: 1;
  border: none;
  outline: none;
  font-size: 15px;
  padding: 14px 0;
  font-weight: 600;
  color: #1B3A57;
  background: transparent;
}

.blog-category-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
  margin-top: 14px;
}

.cat-chip {
  padding: 8px 18px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 700;
  background: #ffffff;
  border: 1.5px solid #e2e8f0;
  color: #475569;
  cursor: pointer;
  transition: all 0.2s ease;
}

.cat-chip:hover, .cat-chip.active {
  background: #1B3A57;
  border-color: #1B3A57;
  color: #ffffff;
  transform: translateY(-2px);
}

/* Featured Article Section */
.featured-article-section {
  padding: 35px 0;
}

.featured-article-card {
  display: grid;
  grid-template-columns: 1.1fr 1.3fr;
  gap: 32px;
  border-radius: 24px;
  overflow: hidden;
  padding: 28px;
  background: #ffffff;
  border: 1.5px solid rgba(46, 196, 160, 0.35);
  box-shadow: 0 16px 40px rgba(27, 58, 87, 0.08);
}

.featured-media {
  position: relative;
  border-radius: 18px;
  overflow: hidden;
  height: 280px;
  background: #0f172a;
}

.featured-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.featured-pill {
  position: absolute;
  top: 14px;
  left: 14px;
  background: #2EC4A0;
  color: #1B3A57;
  font-size: 11px;
  font-weight: 900;
  padding: 5px 12px;
  border-radius: 6px;
  text-transform: uppercase;
}

.featured-details {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.featured-title {
  font-size: 24px;
  font-weight: 900;
  color: #1B3A57;
  margin: 10px 0 12px 0;
}

.featured-title a {
  color: #1B3A57;
  text-decoration: none;
}

.featured-title a:hover {
  color: #2EC4A0;
}

.featured-excerpt {
  font-size: 14px;
  color: #475569;
  line-height: 1.6;
  margin-bottom: 20px;
}

.featured-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

/* All Articles Grid */
.all-articles-section {
  padding: 25px 0 60px 0;
}

.section-title-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
}

.section-title-row h3 {
  font-size: 22px;
  font-weight: 800;
  color: #1B3A57;
}

.results-count {
  font-size: 13px;
  font-weight: 700;
  color: #64748b;
}

.blogs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: stretch;
  margin-bottom: 40px;
}

.blog-card {
  border-radius: 20px;
  overflow: hidden;
  background: #ffffff;
  border: 1.5px solid rgba(46, 196, 160, 0.22);
  box-shadow: 0 10px 30px rgba(27, 58, 87, 0.06);
  display: flex;
  flex-direction: column;
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.blog-card:hover {
  transform: translateY(-8px);
  border-color: #2EC4A0;
  box-shadow: 0 18px 45px rgba(46, 196, 160, 0.22);
}

.blog-card-media {
  position: relative;
  width: 100%;
  height: 200px;
  overflow: hidden;
  background: #0f172a;
}

.blog-card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.blog-card:hover .blog-card-img {
  transform: scale(1.08);
}

.blog-card-body {
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.blog-meta-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 12px;
  font-weight: 700;
  color: #64748b;
  margin-bottom: 10px;
}

.blog-meta-time {
  color: #0d9488;
}

.blog-card-title {
  font-size: 18px;
  font-weight: 800;
  color: #1B3A57;
  line-height: 1.4;
  margin-bottom: 10px;
}

.blog-card-title a {
  color: #1B3A57;
  text-decoration: none;
  transition: color 0.2s ease;
}

.blog-card-title a:hover {
  color: #2EC4A0;
}

.blog-card-excerpt {
  font-size: 13px;
  color: #475569;
  line-height: 1.55;
  margin-bottom: 18px;
  flex-grow: 1;
}

.blog-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  border-top: 1px solid #f1f5f9;
}

.blog-author-info {
  display: flex;
  align-items: center;
  gap: 8px;
}

.blog-author-avatar {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, #2EC4A0, #1B3A57);
  color: #ffffff;
  font-size: 11px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
}

.blog-author-name {
  font-size: 12px;
  font-weight: 700;
  color: #1B3A57;
}

.blog-read-btn {
  font-size: 12px;
  font-weight: 800;
  color: #0d9488;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: all 0.2s ease;
}

.blog-read-btn:hover {
  color: #2EC4A0;
  transform: translateX(3px);
}

.blogs-view-all-row {
  margin-top: 10px;
}

.blogs-hub-btn {
  padding: 14px 28px;
  font-size: 15px;
  font-weight: 800;
  border-radius: 12px;
}

/* Blogs CTA Banner */
.blogs-cta-banner {
  padding: 20px 0 60px 0;
}

.blogs-app-cta-card {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 24px;
  padding: 36px 40px;
  border-radius: 22px;
  background: linear-gradient(135deg, #1B3A57 0%, #0a1724 100%);
  color: #ffffff;
  border: 1px solid rgba(46, 196, 160, 0.35);
  box-shadow: 0 18px 45px rgba(27, 58, 87, 0.25);
}

.cta-banner-left {
  max-width: 680px;
}

.cta-badge {
  display: inline-block;
  background: rgba(46, 196, 160, 0.2);
  color: #2EC4A0;
  font-size: 12px;
  font-weight: 800;
  padding: 4px 10px;
  border-radius: 6px;
  margin-bottom: 10px;
}

.cta-banner-left h3 {
  font-size: 24px;
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 8px;
}

.cta-banner-left p {
  font-size: 14px;
  color: #cbd5e1;
  line-height: 1.5;
  margin: 0;
}

@media (max-width: 991px) {
  .blogs-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .featured-article-card {
    grid-template-columns: 1fr;
  }
  .featured-media {
    height: 220px;
  }
}

@media (max-width: 640px) {
  .blogs-grid {
    grid-template-columns: 1fr;
  }
  .reader-title {
    font-size: 26px;
  }
  .reader-author-card {
    flex-direction: column;
    align-items: flex-start;
  }
  .reader-date {
    margin-left: 0;
  }
  .reader-content-body {
    padding: 24px 18px;
  }
  .reader-share-row {
    flex-direction: column;
    gap: 12px;
    align-items: flex-start;
  }
}


/* ==========================================================================
   CAROUSEL PERFORMANCE & RESPONSIVENESS FIX (GPU HARDWARE ACCELERATED)
   ========================================================================== */
.carousel-card {
  position: absolute;
  width: 100%;
  max-width: 600px;
  left: 50%;
  top: 50%;
  transform: translate3d(-50%, -50%, 0);
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  will-change: transform, opacity;
  transition: transform 0.32s cubic-bezier(0.2, 0.9, 0.3, 1), opacity 0.32s ease;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.carousel-card.active {
  opacity: 1;
  visibility: visible;
  z-index: 5;
  transform: translate3d(-50%, -50%, 0) scale(1);
}

.carousel-card.next {
  opacity: 0.65;
  visibility: visible;
  z-index: 4;
  transform: translate3d(-45%, -47%, 0) scale(0.93);
}

.carousel-card.prev {
  opacity: 0.65;
  visibility: visible;
  z-index: 4;
  transform: translate3d(-55%, -47%, 0) scale(0.93);
}

.carousel-card.far-next {
  opacity: 0;
  visibility: hidden;
  z-index: 1;
  transform: translate3d(-40%, -45%, 0) scale(0.85);
}

.carousel-card.far-prev {
  opacity: 0;
  visibility: hidden;
  z-index: 1;
  transform: translate3d(-60%, -45%, 0) scale(0.85);
}

/* User profile stories fast transition */
.user-profile-slide {
  will-change: opacity, transform;
  transition: opacity 0.28s ease, transform 0.28s cubic-bezier(0.2, 0.9, 0.3, 1);
}

.range-slide {
  will-change: opacity, transform;
  transition: opacity 0.28s ease, transform 0.28s cubic-bezier(0.2, 0.9, 0.3, 1);
}

/* ==========================================================================
   SMOOTH PAGE TRANSITIONS & BACK TO TOP BUTTON
   ========================================================================== */
html {
  scroll-behavior: smooth;
}

body { opacity: 1; }

@keyframes pageFadeIn { 0% { opacity: 0.95; } 100% { opacity: 1; } }
  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

.back-to-top-btn {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #1B3A57;
  color: #2EC4A0;
  border: 1.5px solid rgba(46, 196, 160, 0.4);
  box-shadow: 0 10px 30px rgba(27, 58, 87, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transform: scale(0.8) translateY(10px);
  transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.back-to-top-btn.visible {
  opacity: 1;
  visibility: visible;
  transform: scale(1) translateY(0);
}

.back-to-top-btn:hover {
  background: #2EC4A0;
  color: #1B3A57;
  box-shadow: 0 12px 35px rgba(46, 196, 160, 0.55);
  transform: scale(1.1) translateY(-3px);
}

/* ==========================================================================
   GOODSCORE-STYLE AI ANIMATIONS & RADAR SCANNER
   ========================================================================== */
.ai-intelligence-section {
  padding: 90px 0;
  background: linear-gradient(180deg, #091522 0%, #0c1c2e 50%, #091522 100%);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.ai-intelligence-section::before {
  content: '';
  position: absolute;
  top: 20%;
  left: 30%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(46, 196, 160, 0.15) 0%, rgba(27, 58, 87, 0) 70%);
  pointer-events: none;
  border-radius: 50%;
  animation: aiOrbGlow 6s ease-in-out infinite alternate;
}

@keyframes aiOrbGlow {
  0% { transform: scale(0.85) translate(0, 0); opacity: 0.6; }
  100% { transform: scale(1.15) translate(30px, 20px); opacity: 1; }
}

.ai-live-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  border: 1px solid rgba(46, 196, 160, 0.4);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  padding: 6px 14px;
  border-radius: 20px;
}

.ai-pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #2EC4A0;
  box-shadow: 0 0 10px #2EC4A0;
  animation: pulseAiDot 1.4s infinite;
}

@keyframes pulseAiDot {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.6); opacity: 0.4; }
}

.ai-intelligence-section h2 {
  color: #ffffff;
  font-size: 36px;
  font-weight: 900;
  line-height: 1.3;
  margin-bottom: 12px;
}

.ai-intelligence-section h2 span {
  color: #2EC4A0;
}

.ai-intelligence-section .desc {
  color: #cbd5e1;
  max-width: 680px;
  margin: 0 auto;
}

.ai-showcase-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 36px;
  align-items: center;
  margin-top: 48px;
}

/* AI Scanner Card */
.ai-scanner-card {
  background: rgba(15, 28, 45, 0.85);
  border: 1.5px solid rgba(46, 196, 160, 0.35);
  border-radius: 26px;
  padding: 36px 30px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.4);
  position: relative;
  overflow: hidden;
}

.ai-radar-container {
  position: relative;
  width: 320px;
  height: 320px;
  margin: 0 auto 28px auto;
  display: flex;
  align-items: center;
  justify-content: center;
}

.ai-radar-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px dashed rgba(46, 196, 160, 0.35);
  box-sizing: border-box;
}

.ring-outer {
  width: 300px;
  height: 300px;
  border: 1px solid rgba(46, 196, 160, 0.25);
  animation: rotateClockwise 24s linear infinite;
}

.ring-middle {
  width: 220px;
  height: 220px;
  border-color: rgba(79, 195, 247, 0.35);
  animation: rotateCounterClockwise 16s linear infinite;
}

.ring-inner {
  width: 150px;
  height: 150px;
  border-color: rgba(46, 196, 160, 0.5);
  animation: rotateClockwise 10s linear infinite;
}

@keyframes rotateClockwise {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

@keyframes rotateCounterClockwise {
  from { transform: rotate(360deg); }
  to { transform: rotate(0deg); }
}

.ai-radar-sweep {
  position: absolute;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: conic-gradient(from 0deg at 50% 50%, rgba(46, 196, 160, 0.35) 0deg, rgba(46, 196, 160, 0) 65deg);
  animation: radarSweep 3.5s linear infinite;
  pointer-events: none;
}

@keyframes radarSweep {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

.ai-core-orb {
  position: relative;
  width: 110px;
  height: 110px;
  border-radius: 50%;
  background: linear-gradient(135deg, #1B3A57 0%, #0c1926 100%);
  border: 2px solid #2EC4A0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 35px rgba(46, 196, 160, 0.6);
  z-index: 5;
}

.ai-core-score {
  font-size: 22px;
  font-weight: 900;
  color: #ffffff;
  line-height: 1;
}

.ai-core-lbl {
  font-size: 9.5px;
  font-weight: 800;
  color: #2EC4A0;
  text-transform: uppercase;
  margin-top: 2px;
}

/* Orbiting Nodes */
.ai-node {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(12, 28, 43, 0.92);
  border: 1px solid rgba(46, 196, 160, 0.4);
  padding: 4px 10px;
  border-radius: 20px;
  font-size: 10.5px;
  font-weight: 800;
  color: #ffffff;
  backdrop-filter: blur(4px);
  z-index: 6;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.4);
  animation: floatNode 4s ease-in-out infinite alternate;
}

.node-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #2EC4A0;
  box-shadow: 0 0 6px #2EC4A0;
}

.node-dot.warning {
  background: #FFB347;
  box-shadow: 0 0 6px #FFB347;
}

.node-1 { top: 12px; left: 18px; animation-delay: 0s; }
.node-2 { top: 20px; right: 10px; animation-delay: 0.8s; }
.node-3 { bottom: 25px; left: 10px; animation-delay: 1.5s; }
.node-4 { bottom: 16px; right: 18px; animation-delay: 2.2s; }

@keyframes floatNode {
  0% { transform: translateY(0); }
  100% { transform: translateY(-6px); }
}

/* Telemetry Bar */
.ai-telemetry-bar {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  text-align: center;
}

.t-lbl {
  display: block;
  font-size: 11px;
  color: #94a3b8;
  margin-bottom: 2px;
  font-weight: 700;
}

.t-val {
  display: block;
  font-size: 13.5px;
  font-weight: 900;
}

.text-green { color: #2EC4A0; }
.text-cyan { color: #38bdf8; }
.text-gold { color: #fbbf24; }

/* AI Features Column */
.ai-features-col {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.ai-feature-box {
  display: flex;
  gap: 18px;
  padding: 20px 22px;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1.5px solid rgba(255, 255, 255, 0.08);
  cursor: pointer;
  transition: all 0.28s ease;
}

.ai-feature-box:hover, .ai-feature-box.active {
  background: rgba(46, 196, 160, 0.08);
  border-color: #2EC4A0;
  transform: translateX(6px);
}

.ai-feat-icon {
  font-size: 28px;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: rgba(46, 196, 160, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ai-feat-info h4 {
  font-size: 16px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 4px;
}

.ai-feat-info p {
  font-size: 12.5px;
  color: #94a3b8;
  line-height: 1.5;
  margin-bottom: 6px;
}

.ai-feat-stat {
  font-size: 11.5px;
  font-weight: 800;
  color: #2EC4A0;
  display: inline-block;
}

.ai-cta-row {
  margin-top: 8px;
}

@media (max-width: 991px) {
  .ai-showcase-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .ai-radar-container {
    width: 260px;
    height: 260px;
  }
  .ring-outer, .ai-radar-sweep {
    width: 250px;
    height: 250px;
  }
  .ring-middle {
    width: 180px;
    height: 180px;
  }
  .ai-telemetry-bar {
    grid-template-columns: 1fr;
    gap: 8px;
  }
  .back-to-top-btn {
    bottom: 20px;
    right: 20px;
    width: 42px;
    height: 42px;
  }
}



/* ==========================================================================
   STRICT OVERRIDES: BLOG ARTICLE READER HEADER & VERTICAL FLOW
   ========================================================================== */
.reader-header-block {
  display: block !important;
  position: static !important;
  height: auto !important;
  min-height: 0 !important;
  max-height: none !important;
  width: 100% !important;
  max-width: 100% !important;
  background: transparent !important;
  border: none !important;
  box-shadow: none !important;
  margin: 0 0 28px 0 !important;
  padding: 0 !important;
  text-align: left !important;
  z-index: 1 !important;
  flex: none !important;
}

.reader-header-block .reader-meta-bar {
  display: flex !important;
  align-items: center !important;
  flex-wrap: wrap !important;
  gap: 12px !important;
  margin: 0 0 16px 0 !important;
  padding: 0 !important;
  width: 100% !important;
  position: static !important;
}

.reader-header-block .reader-category-pill {
  display: inline-flex !important;
  position: static !important;
  background: rgba(46, 196, 160, 0.14) !important;
  color: #0d9488 !important;
  border: 1px solid rgba(46, 196, 160, 0.4) !important;
  font-size: 11.5px !important;
  font-weight: 800 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.5px !important;
  padding: 4px 12px !important;
  border-radius: 6px !important;
  margin: 0 !important;
}

.reader-header-block .reader-meta-item {
  display: inline-block !important;
  position: static !important;
  font-size: 12.5px !important;
  font-weight: 700 !important;
  color: #64748b !important;
  margin: 0 !important;
}

.reader-header-block .reader-title {
  display: block !important;
  width: 100% !important;
  font-size: 34px !important;
  font-weight: 900 !important;
  color: #1B3A57 !important;
  line-height: 1.35 !important;
  margin: 0 0 16px 0 !important;
  letter-spacing: -0.5px !important;
  text-align: left !important;
}

.reader-header-block .reader-lead {
  display: block !important;
  width: 100% !important;
  font-size: 16.5px !important;
  color: #475569 !important;
  line-height: 1.65 !important;
  margin: 0 0 24px 0 !important;
  text-align: left !important;
}

.reader-header-block .reader-author-card {
  display: flex !important;
  width: 100% !important;
  align-items: center !important;
  gap: 14px !important;
  padding: 14px 18px !important;
  border-radius: 14px !important;
  background: #ffffff !important;
  border: 1px solid #e2e8f0 !important;
  box-shadow: 0 4px 12px rgba(27, 58, 87, 0.03) !important;
  margin: 0 0 28px 0 !important;
  box-sizing: border-box !important;
}

.reader-banner-box {
  display: block !important;
  width: 100% !important;
  border-radius: 20px !important;
  overflow: hidden !important;
  max-height: 380px !important;
  margin: 0 0 32px 0 !important;
  background: #0f172a !important;
  border: 1px solid #e2e8f0 !important;
  box-shadow: 0 10px 30px rgba(27, 58, 87, 0.06) !important;
  box-sizing: border-box !important;
}

.reader-cover-img {
  width: 100% !important;
  height: 100% !important;
  max-height: 380px !important;
  object-fit: cover !important;
  display: block !important;
}


/* ==========================================================================
   PROFESSIONAL VECTOR SVG ICONS STYLING SYSTEM
   ========================================================================== */
.svg-ico {
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
}

.hero-input-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  margin-right: 8px;
  color: #94a3b8;
  flex-shrink: 0;
}

.hero-input-icon svg {
  display: block;
  stroke: #94a3b8;
}

.hero-input-wrap:focus-within .hero-input-icon svg {
  stroke: #2EC4A0;
}

.ticker-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  margin-right: 8px;
  flex-shrink: 0;
}

.ticker-icon svg {
  stroke: #2EC4A0;
}

.loan-tab-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.loan-tab-btn svg {
  color: currentColor;
  stroke: currentColor;
  transition: transform 0.2s ease;
}

.loan-tab-btn:hover svg,
.loan-tab-btn.active svg {
  transform: scale(1.08);
}

.footer-alert-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(245, 158, 11, 0.15);
  color: #F59E0B;
  flex-shrink: 0;
}

.footer-alert-icon svg {
  stroke: #F59E0B;
}

.chapter-time {
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.bullet-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  margin-right: 8px;
  flex-shrink: 0;
}

.benefit-card-icon {
  width: 50px;
  height: 50px;
  border-radius: 14px;
  background: rgba(46, 196, 160, 0.12);
  color: #2EC4A0;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.benefit-card:hover .benefit-card-icon {
  background: #2EC4A0;
  color: #1B3A57;
  transform: translateY(-3px) scale(1.05);
  box-shadow: 0 8px 20px rgba(46, 196, 160, 0.3);
}

.benefit-card-icon svg {
  stroke: currentColor;
  transition: stroke 0.3s ease;
}

.phone-icons {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #64748b;
}

.pop-bell {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
}

.ai-feat-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(46, 196, 160, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.3s ease;
}

.ai-feature-box:hover .ai-feat-icon,
.ai-feature-box.active .ai-feat-icon {
  background: rgba(46, 196, 160, 0.25);
  box-shadow: 0 0 16px rgba(46, 196, 160, 0.4);
}

.sec-pillar-icon {
  width: 54px;
  height: 54px;
  border-radius: 16px;
  background: rgba(46, 196, 160, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.pcat-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.25s ease;
}

.partnership-category-card:hover .pcat-icon {
  background: rgba(46, 196, 160, 0.2);
  transform: scale(1.08);
}

.contact-detail-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(46, 196, 160, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.field-icon {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #94a3b8;
  pointer-events: none;
}

.stars-gold-wrap {
  display: inline-flex;
  align-items: center;
  gap: 3px;
}

.stars-gold-wrap svg {
  display: inline-block;
  vertical-align: middle;
}

.assistant-menu-item-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  margin-right: 8px;
  flex-shrink: 0;
}


/* ==========================================================================
   REDESIGNED STATE-OF-THE-ART SAVINGS & INTEREST CALCULATOR
   ========================================================================== */
.calculator {
  background: radial-gradient(circle at 50% 15%, #18354f 0%, #0c1c2b 65%, #07121d 100%);
  color: #ffffff;
  padding: 6.5rem 0;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(46, 196, 160, 0.2);
  border-bottom: 1px solid rgba(46, 196, 160, 0.2);
}

.calc-ambient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  pointer-events: none;
  opacity: 0.25;
}

.calc-ambient-orb.orb-1 {
  width: 450px;
  height: 450px;
  background: #2EC4A0;
  top: -100px;
  left: 10%;
}

.calc-ambient-orb.orb-2 {
  width: 500px;
  height: 500px;
  background: #4FC3F7;
  bottom: -150px;
  right: 5%;
}

.calc-grid-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: 
    linear-gradient(to right, rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}

.relative-z {
  position: relative;
  z-index: 2;
}

.calc-header-wrap {
  margin-bottom: 3.5rem;
}

.calc-live-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.35);
  color: #2EC4A0;
  padding: 0.4rem 1.1rem;
  border-radius: 50px;
  font-size: 0.825rem;
  font-weight: 700;
  margin-bottom: 1rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.calc-pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #2EC4A0;
  box-shadow: 0 0 10px #2EC4A0;
  animation: pulse-green-glow 2s infinite;
}

@keyframes pulse-green-glow {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(46, 196, 160, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 8px rgba(46, 196, 160, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(46, 196, 160, 0); }
}

.calc-title {
  font-family: 'Outfit', sans-serif;
  font-size: 2.8rem;
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

.calc-gradient-text {
  background: linear-gradient(135deg, #2EC4A0 0%, #4FC3F7 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.calc-desc {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.7);
  max-width: 650px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Dashboard Grid Layout */
.calc-main-dashboard {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 2.5rem;
  align-items: stretch;
}

@media (max-width: 992px) {
  .calc-main-dashboard {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

/* Glass Panels */
.glass-panel {
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.05) 0%, rgba(255, 255, 255, 0.02) 100%);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 24px;
  padding: 2.25rem;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

/* Left Console Card */
.console-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.25rem;
}

.console-label {
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.6);
}

.console-sub-badge {
  font-size: 0.775rem;
  font-weight: 700;
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  border: 1px solid rgba(46, 196, 160, 0.3);
}

/* Segmented Loan Tabs */
.loan-tabs-container {
  display: flex;
  gap: 0.75rem;
  background: rgba(0, 0, 0, 0.25);
  padding: 0.4rem;
  border-radius: 16px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  margin-bottom: 2rem;
}

.loan-tabs-container .loan-tab-btn {
  flex: 1;
  background: transparent;
  border: none;
  padding: 0.75rem 0.5rem;
  border-radius: 12px;
  font-size: 0.875rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.65);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: all 0.25s ease;
  white-space: nowrap;
}

.tab-icon-box {
  display: flex;
  align-items: center;
  justify-content: center;
}

.loan-tabs-container .loan-tab-btn:hover {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.06);
}

.loan-tabs-container .loan-tab-btn.active {
  background: linear-gradient(135deg, #2EC4A0 0%, #1db38f 100%);
  color: #0c1c2b;
  font-weight: 800;
  box-shadow: 0 4px 16px rgba(46, 196, 160, 0.35);
}

.loan-tabs-container .loan-tab-btn.active svg {
  stroke: #0c1c2b;
}

/* Slider Interactive Box */
.slider-interactive-box {
  background: rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 18px;
  padding: 1.5rem;
  margin-bottom: 1.5rem;
}

.slider-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
}

.slider-title-text {
  font-size: 0.95rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.85);
}

.amount-value-pill {
  display: flex;
  align-items: baseline;
  gap: 6px;
  background: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.35);
  padding: 0.4rem 1rem;
  border-radius: 12px;
}

.currency-tag {
  font-size: 0.75rem;
  font-weight: 800;
  color: #2EC4A0;
}

.amount-display-val {
  font-family: 'Outfit', sans-serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: #ffffff;
  letter-spacing: 0.02em;
}

/* Modern Slider Input */
.range-slider-wrapper {
  position: relative;
  margin-bottom: 0.85rem;
}

.calc-slider-modern {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.15);
  outline: none;
  cursor: pointer;
  position: relative;
  z-index: 2;
}

.calc-slider-modern::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #2EC4A0;
  cursor: pointer;
  border: 3px solid #ffffff;
  box-shadow: 0 0 16px rgba(46, 196, 160, 0.8);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.calc-slider-modern::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 0 24px rgba(46, 196, 160, 1);
}

.slider-range-labels {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.775rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 1.25rem;
}

.slider-drag-hint {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: rgba(46, 196, 160, 0.8);
  font-size: 0.725rem;
}

/* Preset Chips */
.preset-amount-chips {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.preset-chip {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.75);
  padding: 0.35rem 0.85rem;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s ease;
}

.preset-chip:hover {
  background: rgba(46, 196, 160, 0.15);
  border-color: rgba(46, 196, 160, 0.35);
  color: #2EC4A0;
}

.preset-chip.active {
  background: rgba(46, 196, 160, 0.2);
  border-color: #2EC4A0;
  color: #2EC4A0;
  box-shadow: 0 2px 8px rgba(46, 196, 160, 0.25);
}

/* Hero Savings Glow Banner */
.savings-hero-banner {
  background: linear-gradient(135deg, rgba(46, 196, 160, 0.15) 0%, rgba(79, 195, 247, 0.1) 100%);
  border: 1px solid rgba(46, 196, 160, 0.35);
  border-radius: 18px;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  box-shadow: 0 10px 30px rgba(46, 196, 160, 0.1);
  position: relative;
  overflow: hidden;
}

.savings-glow-sparkle {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(46, 196, 160, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.savings-banner-info {
  flex: 1;
}

.savings-banner-sub {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.65);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 2px;
}

.savings-banner-val {
  font-family: 'Outfit', sans-serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: #2EC4A0;
  letter-spacing: -0.01em;
}

.savings-tier-chip {
  font-size: 0.7rem;
  font-weight: 800;
  padding: 0.25rem 0.65rem;
  border-radius: 20px;
  background: #2EC4A0;
  color: #0c1c2b;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  white-space: nowrap;
}

/* Right Column: Comparative Analytics */
.analytics-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding-bottom: 1rem;
}

.analytics-card-title {
  font-family: 'Outfit', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 4px;
}

.analytics-sub {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
  margin: 0;
}

.analytics-live-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.7rem;
  font-weight: 700;
  color: #2EC4A0;
  background: rgba(46, 196, 160, 0.1);
  border: 1px solid rgba(46, 196, 160, 0.25);
  padding: 0.2rem 0.6rem;
  border-radius: 12px;
  white-space: nowrap;
}

.live-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #2EC4A0;
}

/* Comparison Cards Grid */
.comparison-cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

@media (max-width: 576px) {
  .comparison-cards-grid {
    grid-template-columns: 1fr;
  }
}

.tier-comp-card {
  background: rgba(0, 0, 0, 0.25);
  border-radius: 16px;
  padding: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.tier-comp-card.card-poor {
  border-color: rgba(239, 68, 68, 0.25);
  background: linear-gradient(180deg, rgba(239, 68, 68, 0.06) 0%, rgba(0, 0, 0, 0.25) 100%);
}

.tier-comp-card.card-excellent {
  border-color: rgba(46, 196, 160, 0.35);
  background: linear-gradient(180deg, rgba(46, 196, 160, 0.08) 0%, rgba(0, 0, 0, 0.25) 100%);
  box-shadow: 0 0 20px rgba(46, 196, 160, 0.06);
}

.tier-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}

.tier-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.725rem;
  font-weight: 800;
  padding: 0.25rem 0.55rem;
  border-radius: 6px;
  text-transform: uppercase;
}

.dot-indicator {
  width: 6px;
  height: 6px;
  border-radius: 50%;
}

.bad-pill {
  background: rgba(239, 68, 68, 0.15);
  color: #f87171;
  border: 1px solid rgba(239, 68, 68, 0.3);
}

.dot-red { background: #ef4444; }

.good-pill {
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.dot-green { background: #2EC4A0; }

.tier-rate-badge {
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
}

.bad-rate { color: #f87171; }
.good-rate { color: #2EC4A0; }

.tier-cost-block {
  margin-bottom: 0.85rem;
}

.cost-lbl {
  display: block;
  font-size: 0.725rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 2px;
}

.cost-val {
  font-family: 'Outfit', sans-serif;
  font-size: 1.35rem;
  font-weight: 900;
  letter-spacing: -0.01em;
}

.text-red { color: #f87171; }
.text-green { color: #2EC4A0; }
.text-cyan { color: #4FC3F7; }

.tier-emi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.775rem;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 0.85rem;
  background: rgba(255, 255, 255, 0.04);
  padding: 0.35rem 0.6rem;
  border-radius: 8px;
}

.emi-val {
  font-family: 'Outfit', sans-serif;
  font-weight: 800;
  color: #ffffff;
}

.tier-progress-track {
  height: 8px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 10px;
  overflow: hidden;
}

.tier-progress-bar {
  height: 100%;
  border-radius: 10px;
  transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.bad-bar {
  background: linear-gradient(90deg, #ef4444 0%, #dc2626 100%);
}

.good-bar {
  background: linear-gradient(90deg, #2EC4A0 0%, #4FC3F7 100%);
  box-shadow: 0 0 10px rgba(46, 196, 160, 0.5);
}

/* Monthly Difference Banner */
.monthly-diff-banner {
  background: rgba(46, 196, 160, 0.08);
  border: 1px dashed rgba(46, 196, 160, 0.3);
  border-radius: 14px;
  padding: 0.75rem 1rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.diff-icon-box {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: rgba(46, 196, 160, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.diff-text {
  font-size: 0.825rem;
  color: rgba(255, 255, 255, 0.75);
}

.diff-text strong {
  color: #2EC4A0;
  font-weight: 800;
  margin-left: 4px;
}

/* Action CTA Box */
.calc-footer-cta-box {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.cta-tip-line {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.775rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.4;
}

.tip-icon {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.calc-action-btn {
  padding: 0.9rem 1.5rem;
  font-size: 0.95rem;
  font-weight: 800;
  border-radius: 12px;
  text-align: center;
  box-shadow: 0 8px 25px rgba(46, 196, 160, 0.3);
  transition: all 0.3s ease;
}

.calc-action-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(46, 196, 160, 0.45);
}


/* Additional Mobile Responsive Rules for Redesigned Calculator */
@media (max-width: 768px) {
  .calculator {
    padding: 4.5rem 0 !important;
  }
  .calc-title {
    font-size: 2rem !important;
  }
  .calc-desc {
    font-size: 0.95rem !important;
  }
  .glass-panel {
    padding: 1.5rem !important;
    border-radius: 18px !important;
  }
  .loan-tabs-container {
    overflow-x: auto;
    padding-bottom: 0.35rem;
  }
  .loan-tabs-container .loan-tab-btn {
    padding: 0.6rem 0.85rem;
    font-size: 0.8rem;
  }
  .amount-display-val {
    font-size: 1.2rem;
  }
  .comparison-cards-grid {
    grid-template-columns: 1fr !important;
  }
  .savings-hero-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.75rem;
  }
  .savings-tier-chip {
    align-self: flex-start;
  }
  .monthly-diff-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }
}


/* ==========================================================================
   REDESIGNED CREDIT EDUCATION & FACTORS MATRIX SECTION
   ========================================================================== */
.edu-section {
  background: radial-gradient(circle at 50% 20%, #16314a 0%, #0d1e2e 60%, #081420 100%) !important;
  color: #ffffff !important;
  padding: 6rem 0 !important;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(46, 196, 160, 0.2);
  border-bottom: 1px solid rgba(46, 196, 160, 0.2);
}

.orb-edu-1 {
  width: 450px;
  height: 450px;
  background: #2EC4A0;
  top: -80px;
  left: 5%;
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.18;
  pointer-events: none;
}

.orb-edu-2 {
  width: 500px;
  height: 500px;
  background: #818CF8;
  bottom: -100px;
  right: 5%;
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.16;
  pointer-events: none;
}

.edu-header-center {
  margin-bottom: 3.5rem;
}

.edu-live-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.35);
  color: #2EC4A0;
  padding: 0.4rem 1.1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 1rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.edu-pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #2EC4A0;
  box-shadow: 0 0 10px #2EC4A0;
  animation: pulse-green-glow 2s infinite;
}

.edu-heading {
  font-family: 'Outfit', sans-serif;
  font-size: 2.6rem;
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 0.85rem;
  letter-spacing: -0.02em;
}

.edu-subheading {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.7);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.6;
}

.edu-grid-modern {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 2.5rem;
  align-items: stretch;
}

@media (max-width: 992px) {
  .edu-grid-modern {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

.glass-panel-edu {
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.05) 0%, rgba(255, 255, 255, 0.02) 100%);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 24px;
  padding: 2.25rem;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

/* Left Range Panel Header */
.range-panel-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-bottom: 1.25rem;
  margin-bottom: 1.75rem;
}

.range-panel-title {
  font-family: 'Outfit', sans-serif;
  font-size: 1.25rem;
  font-weight: 800;
  color: #ffffff;
  margin: 0;
}

.range-panel-pill {
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.25rem 0.65rem;
  border-radius: 12px;
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.range-carousel-container {
  min-height: 480px;
}

.range-carousel-controls {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 1.75rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.range-ctrl-btn {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.25s ease;
}

.range-ctrl-btn:hover {
  background: #2EC4A0;
  color: #0c1c2b;
  border-color: #2EC4A0;
  transform: scale(1.05);
}

/* Right Factor Matrix Panel */
.factor-header-group {
  margin-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding-bottom: 1.25rem;
}

.factor-header-title-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.4rem;
}

.factor-main-title {
  font-family: 'Outfit', sans-serif;
  font-size: 1.25rem;
  font-weight: 800;
  color: #ffffff;
  margin: 0;
}

.factor-bureau-tag {
  font-size: 0.725rem;
  font-weight: 700;
  color: #2EC4A0;
  background: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.3);
  padding: 0.2rem 0.65rem;
  border-radius: 12px;
}

.factor-main-sub {
  font-size: 0.825rem;
  color: rgba(255, 255, 255, 0.6);
  margin: 0;
  line-height: 1.5;
}

/* Factor Cards Matrix Grid */
.factor-cards-matrix {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.factor-tile {
  background: rgba(0, 0, 0, 0.22);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 1.1rem 1.25rem;
  transition: all 0.25s ease;
}

.factor-tile:hover {
  background: rgba(255, 255, 255, 0.05);
  transform: translateY(-2px);
}

.tile-gold { border-left: 3px solid #F59E0B; }
.tile-teal { border-left: 3px solid #2EC4A0; }
.tile-cyan { border-left: 3px solid #4FC3F7; }
.tile-purple { border-left: 3px solid #A78BFA; }

.factor-tile-top {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 0.45rem;
}

.factor-tile-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.gold-icon-bg { background: rgba(245, 158, 11, 0.15); }
.teal-icon-bg { background: rgba(46, 196, 160, 0.15); }
.cyan-icon-bg { background: rgba(79, 195, 247, 0.15); }
.purple-icon-bg { background: rgba(167, 139, 250, 0.15); }

.factor-tile-heading {
  flex: 1;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.factor-name {
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #ffffff;
  margin: 0;
}

.factor-impact-badge {
  font-size: 0.65rem;
  font-weight: 800;
  padding: 0.15rem 0.5rem;
  border-radius: 6px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.impact-critical {
  background: rgba(245, 158, 11, 0.15);
  color: #FBBF24;
  border: 1px solid rgba(245, 158, 11, 0.3);
}

.impact-high {
  background: rgba(46, 196, 160, 0.15);
  color: #2EC4A0;
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.impact-medium {
  background: rgba(79, 195, 247, 0.15);
  color: #4FC3F7;
  border: 1px solid rgba(79, 195, 247, 0.3);
}

.impact-low {
  background: rgba(167, 139, 250, 0.15);
  color: #C4B5FD;
  border: 1px solid rgba(167, 139, 250, 0.3);
}

.factor-percent-pill {
  font-family: 'Outfit', sans-serif;
  font-size: 1.15rem;
  font-weight: 900;
  flex-shrink: 0;
  letter-spacing: -0.01em;
}

.gold-pill { color: #F59E0B; }
.teal-pill { color: #2EC4A0; }
.cyan-pill { color: #4FC3F7; }
.purple-pill { color: #A78BFA; }

.factor-desc {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.45;
  margin: 0 0 0.65rem 0;
}

.factor-progress-track {
  height: 5px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 6px;
  overflow: hidden;
}

.factor-progress-bar {
  height: 100%;
  border-radius: 6px;
}

.bar-gold { background: linear-gradient(90deg, #F59E0B, #FBBF24); box-shadow: 0 0 8px rgba(245, 158, 11, 0.4); }
.bar-teal { background: linear-gradient(90deg, #2EC4A0, #4FC3F7); box-shadow: 0 0 8px rgba(46, 196, 160, 0.4); }
.bar-cyan { background: linear-gradient(90deg, #4FC3F7, #60A5FA); box-shadow: 0 0 8px rgba(79, 195, 247, 0.4); }
.bar-purple { background: linear-gradient(90deg, #A78BFA, #C084FC); box-shadow: 0 0 8px rgba(167, 139, 250, 0.4); }

@media (max-width: 768px) {
  .edu-section {
    padding: 4.5rem 0 !important;
  }
  .edu-heading {
    font-size: 2rem !important;
  }
  .glass-panel-edu {
    padding: 1.5rem !important;
  }
}


/* ==========================================================================
   ENHANCED OVERDUE CLOSURE & SETTLEMENT SECTION
   ========================================================================== */
.overdue-settlement-section {
  padding: 6rem 0 !important;
  background: radial-gradient(circle at 50% 20%, #15304a 0%, #0d1e2e 60%, #07121d 100%) !important;
  color: #ffffff !important;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(46, 196, 160, 0.2);
  border-bottom: 1px solid rgba(46, 196, 160, 0.2);
}

.orb-settle-1 {
  width: 450px;
  height: 450px;
  background: #2EC4A0;
  top: -100px;
  right: 8%;
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.18;
  pointer-events: none;
}

.orb-settle-2 {
  width: 500px;
  height: 500px;
  background: #4FC3F7;
  bottom: -120px;
  left: 5%;
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.16;
  pointer-events: none;
}

.settle-header-wrap {
  margin-bottom: 3.5rem;
}

.settle-live-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 196, 160, 0.12);
  border: 1px solid rgba(46, 196, 160, 0.35);
  color: #2EC4A0;
  padding: 0.4rem 1.1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 1rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.settle-pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #2EC4A0;
  box-shadow: 0 0 10px #2EC4A0;
  animation: pulse-green-glow 2s infinite;
}

.settle-title {
  font-family: 'Outfit', sans-serif;
  font-size: 2.6rem;
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 0.85rem;
  letter-spacing: -0.02em;
}

.settle-desc {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.7);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.6;
}

.settlement-steps-flow {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  align-items: stretch;
  margin-bottom: 2.5rem;
}

.glass-panel-settle {
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.05) 0%, rgba(255, 255, 255, 0.02) 100%);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 20px;
}

.settlement-step-card {
  padding: 24px 18px;
  position: relative;
  display: flex;
  flex-direction: column;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.25);
}

.settlement-step-card:hover {
  transform: translateY(-4px);
  border-color: #2EC4A0;
  box-shadow: 0 18px 45px rgba(46, 196, 160, 0.25);
}

.settlement-step-card.highlight {
  border: 1.5px solid #2EC4A0;
  background: linear-gradient(145deg, rgba(46, 196, 160, 0.12) 0%, rgba(255, 255, 255, 0.03) 100%);
}

.step-num-badge {
  position: absolute;
  top: -12px;
  left: 18px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #1B3A57;
  color: #ffffff;
  font-size: 13px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.3);
  border: 2px solid rgba(255, 255, 255, 0.2);
}

.step-num-badge.active {
  background: #2EC4A0;
  color: #0c1c2b;
  border-color: #ffffff;
  box-shadow: 0 0 12px rgba(46, 196, 160, 0.6);
}

.step-icon-wrap {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 6px 0 12px 0;
}

.icon-teal { background: rgba(46, 196, 160, 0.15); }
.icon-gold { background: rgba(245, 158, 11, 0.15); }
.icon-cyan { background: rgba(79, 195, 247, 0.15); }
.icon-indigo { background: rgba(129, 140, 248, 0.15); }
.icon-emerald { background: rgba(46, 196, 160, 0.25); }

.step-title {
  font-family: 'Outfit', sans-serif;
  font-size: 17px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 2px;
}

.step-subtitle {
  font-size: 10.5px;
  font-weight: 800;
  color: #2EC4A0;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
  display: inline-block;
}

.step-desc {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.5;
  margin-bottom: 14px;
  flex-grow: 1;
}

.step-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
  border-top: 1px dashed rgba(255, 255, 255, 0.1);
  padding-top: 10px;
}

.step-checklist li {
  font-size: 11.5px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  display: flex;
  align-items: center;
  gap: 6px;
}

.chk-svg {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

/* Settlement CTA Card */
.settlement-cta-card {
  padding: 24px 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.3);
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.settlement-cta-left {
  display: flex;
  align-items: center;
  gap: 16px;
  max-width: 680px;
}

.cta-icon-box {
  width: 50px;
  height: 50px;
  border-radius: 14px;
  background: rgba(46, 196, 160, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.settle-cta-heading {
  font-family: 'Outfit', sans-serif;
  font-size: 17px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 3px;
}

.settle-cta-sub {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.7);
  margin: 0;
  line-height: 1.5;
}

.btn-settle {
  padding: 0.75rem 1.5rem;
  font-size: 0.9rem;
  font-weight: 800;
  border-radius: 12px;
  white-space: nowrap;
}

@media (max-width: 1100px) {
  .settlement-steps-flow {
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  }
}

@media (max-width: 768px) {
  .overdue-settlement-section {
    padding: 4.5rem 0 !important;
  }
  .settle-title {
    font-size: 2rem !important;
  }
  .settlement-steps-flow {
    grid-template-columns: 1fr;
  }
  .settlement-cta-card {
    flex-direction: column;
    text-align: center;
  }
  .settlement-cta-left {
    flex-direction: column;
    text-align: center;
  }
}


/* ==========================================================================
   VIDEO PLAYER & GLOBAL ANCHOR / FOOTER ENHANCEMENTS (v=36)
   ========================================================================== */

/* 1. Global Overflow & Persistent Sticky Header Fix */
html {
  scroll-behavior: smooth;
  overflow-x: clip !important;
}

body {
  overflow-x: clip !important;
  position: relative;
}

header#main-header, header {
  position: sticky !important;
  top: 0 !important;
  z-index: 1000 !important;
  background-color: rgba(255, 255, 255, 0.98) !important;
  backdrop-filter: blur(14px) !important;
  -webkit-backdrop-filter: blur(14px) !important;
  box-shadow: 0 4px 20px rgba(27, 58, 87, 0.06);
}

header.scrolled {
  box-shadow: 0 8px 30px rgba(27, 58, 87, 0.12) !important;
}

/* 2. Interactive HD Video Walkthrough Player */
.video-active-player {
  width: 100%;
  height: 100%;
  min-height: 420px;
  background: radial-gradient(circle at 50% 30%, #15304a 0%, #0c1c2b 70%, #07121d 100%);
  border-radius: 16px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
  position: relative;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
  border: 1px solid rgba(46, 196, 160, 0.3);
}

.vap-top-bar {
  padding: 12px 18px;
  background: rgba(12, 28, 43, 0.85);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

.vap-badge {
  font-size: 11px;
  font-weight: 800;
  color: #2EC4A0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.vap-live-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #2EC4A0;
  box-shadow: 0 0 8px #2EC4A0;
  animation: pulse-green-glow 1.5s infinite;
}

.vap-chapter-title {
  font-size: 12.5px;
  font-weight: 700;
  color: #ffffff;
}

.vap-stage {
  flex-grow: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.vap-scene {
  width: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
}

.vap-phone-mockup {
  width: 260px;
  background: #08111a;
  border: 2px solid rgba(46, 196, 160, 0.4);
  border-radius: 28px;
  padding: 12px 14px 18px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.6), 0 0 20px rgba(46, 196, 160, 0.2);
  position: relative;
}

.vpm-notch {
  width: 70px;
  height: 5px;
  background: #1e293b;
  border-radius: 10px;
  margin: 0 auto 10px;
}

.vpm-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
  padding-bottom: 6px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.vpm-brand {
  font-family: 'Outfit', sans-serif;
  font-size: 13px;
  font-weight: 900;
  color: #2EC4A0;
}

.vpm-step-tag {
  font-size: 10px;
  color: rgba(255, 255, 255, 0.5);
  font-weight: 700;
}

.vpm-body {
  text-align: center;
}

.vpm-app-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(46, 196, 160, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 10px;
}

.vpm-body h4 {
  font-size: 14px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 4px;
}

.vpm-body p {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 12px;
}

.vpm-input-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(46, 196, 160, 0.5);
  border-radius: 8px;
  padding: 8px;
  font-size: 12px;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 10px;
}

.vpm-cursor {
  animation: blink 1s infinite;
  color: #2EC4A0;
}

.vpm-otp-row {
  display: flex;
  justify-content: center;
  gap: 6px;
  margin-bottom: 10px;
}

.vpm-otp-digit {
  width: 24px;
  height: 28px;
  border-radius: 6px;
  background: rgba(46, 196, 160, 0.15);
  border: 1px solid #2EC4A0;
  color: #ffffff;
  font-weight: 800;
  font-size: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 10px rgba(46, 196, 160, 0.4);
}

.vpm-verified-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(46, 196, 160, 0.2);
  color: #2EC4A0;
  font-size: 10.5px;
  font-weight: 800;
  padding: 4px 10px;
  border-radius: 20px;
}

/* Scene 2 */
.vpm-pan-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 8px;
  padding: 8px;
  margin-bottom: 12px;
}

.vpm-pan-label {
  display: block;
  font-size: 9.5px;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
}

.vpm-pan-box strong {
  font-size: 14px;
  letter-spacing: 2px;
  color: #4FC3F7;
}

.vpm-score-circle {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: conic-gradient(#2EC4A0 0% 88%, rgba(255,255,255,0.1) 88% 100%);
  margin: 0 auto 10px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 20px rgba(46, 196, 160, 0.5);
}

.vpm-score-val {
  font-family: 'Outfit', sans-serif;
  font-size: 22px;
  font-weight: 900;
  color: #ffffff;
  line-height: 1;
}

.vpm-score-status {
  font-size: 8.5px;
  font-weight: 800;
  color: #2EC4A0;
  letter-spacing: 0.5px;
}

.vpm-bureau-row {
  font-size: 9.5px;
  color: rgba(255, 255, 255, 0.6);
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.vpm-soft-check {
  color: #2EC4A0;
  font-weight: 700;
}

/* Scene 3 */
.vpm-factor-mini {
  display: flex;
  justify-content: space-between;
  font-size: 10.5px;
  padding: 5px 8px;
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.04);
  margin-bottom: 5px;
}

.vpm-factor-mini span {
  color: rgba(255, 255, 255, 0.7);
}

.vpm-dl-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  width: 100%;
  padding: 7px 10px;
  font-size: 11px;
  font-weight: 800;
  margin-top: 8px;
  border-radius: 8px;
}

/* Controls Bar */
.vap-controls {
  padding: 12px 18px;
  background: rgba(12, 28, 43, 0.95);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  gap: 12px;
}

.vap-play-btn {
  background: #2EC4A0;
  border: none;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-shrink: 0;
  box-shadow: 0 0 12px rgba(46, 196, 160, 0.6);
}

.vap-time-code {
  font-size: 11.5px;
  font-weight: 700;
  color: #cbd5e1;
  white-space: nowrap;
}

.vap-progress-wrap {
  flex-grow: 1;
  height: 6px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 10px;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.vap-progress-buffered {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  width: 100%;
  background: rgba(255, 255, 255, 0.2);
}

.vap-progress-bar {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  width: 0%;
  background: #2EC4A0;
  box-shadow: 0 0 8px #2EC4A0;
  transition: width 0.1s linear;
}

.vap-chapters-pills {
  display: flex;
  gap: 6px;
}

.vap-chap-btn {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: rgba(255, 255, 255, 0.7);
  font-size: 10.5px;
  font-weight: 800;
  padding: 4px 8px;
  border-radius: 6px;
  cursor: pointer;
  transition: all 0.2s ease;
}

.vap-chap-btn.active {
  background: rgba(46, 196, 160, 0.2);
  border-color: #2EC4A0;
  color: #2EC4A0;
}

/* 3. Footer Copyright Visibility on Desktop & Mobile */
footer {
  padding-bottom: 5rem !important;
  position: relative !important;
  z-index: 95 !important;
}

.footer-bottom {
  position: relative !important;
  z-index: 100 !important;
  border-top: 1px solid rgba(255, 255, 255, 0.15) !important;
  padding-top: 2rem !important;
  margin-top: 1rem !important;
}

.copyright-text p {
  color: #ffffff !important;
  font-size: 0.85rem !important;
  font-weight: 600 !important;
  margin: 0 0 4px 0 !important;
  opacity: 1 !important;
}

.copyright-text strong {
  color: #2EC4A0 !important;
  font-weight: 800 !important;
}

.corp-cin {
  font-size: 0.75rem !important;
  color: rgba(255, 255, 255, 0.7) !important;
  display: block !important;
}

.footer-bureau-compliance {
  color: rgba(255, 255, 255, 0.8) !important;
  font-size: 0.8rem !important;
}

.footer-bureau-compliance strong {
  color: #2EC4A0 !important;
}

@keyframes blink {
  0%, 100% { opacity: 1; }
  50% { opacity: 0; }
}


/* ==========================================================================
   PERMANENT FIXED NAVIGATION & ALWAYS-VISIBLE ANCHOR BUTTONS (v=37)
   ========================================================================== */

/* 1. Rock-Solid Fixed Header Across Entire Website */
header#main-header, header {
  position: fixed !important;
  top: 0 !important;
  left: 0 !important;
  right: 0 !important;
  width: 100% !important;
  height: 88px !important;
  z-index: 1000 !important;
  background-color: rgba(255, 255, 255, 0.98) !important;
  backdrop-filter: blur(16px) !important;
  -webkit-backdrop-filter: blur(16px) !important;
  border-bottom: 1px solid rgba(27, 58, 87, 0.12) !important;
  box-shadow: 0 4px 25px rgba(27, 58, 87, 0.08) !important;
  display: flex !important;
  align-items: center !important;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1) !important;
}

body {
  padding-top: 88px !important;
}

header.scrolled {
  height: 74px !important;
  box-shadow: 0 8px 30px rgba(27, 58, 87, 0.14) !important;
  background-color: rgba(255, 255, 255, 0.99) !important;
}

/* 2. Permanently Visible Back to Top Navigation Anchor Button */
.back-to-top-btn, button#back-to-top {
  position: fixed !important;
  bottom: 28px !important;
  right: 28px !important;
  width: 50px !important;
  height: 50px !important;
  border-radius: 50% !important;
  background: #1B3A57 !important;
  color: #2EC4A0 !important;
  border: 2px solid #2EC4A0 !important;
  box-shadow: 0 8px 25px rgba(27, 58, 87, 0.45), 0 0 15px rgba(46, 196, 160, 0.3) !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  cursor: pointer !important;
  z-index: 999 !important;
  opacity: 1 !important;
  visibility: visible !important;
  transform: scale(1) !important;
  transition: all 0.25s cubic-bezier(0.34, 1.56, 0.64, 1) !important;
}

.back-to-top-btn:hover, button#back-to-top:hover {
  background: #2EC4A0 !important;
  color: #1B3A57 !important;
  border-color: #ffffff !important;
  box-shadow: 0 12px 35px rgba(46, 196, 160, 0.65), 0 0 20px rgba(46, 196, 160, 0.5) !important;
  transform: translateY(-4px) scale(1.1) !important;
}

/* 3. Floating Quick Navigation Anchor Menu Wrapper */
.floating-assistant-wrapper {
  position: fixed !important;
  bottom: 90px !important;
  right: 28px !important;
  z-index: 998 !important;
  display: flex !important;
  flex-direction: column !important;
  align-items: flex-end !important;
}

.assistant-trigger-btn, button#assistant-trigger {
  width: 50px !important;
  height: 50px !important;
  border-radius: 50% !important;
  background-color: #2EC4A0 !important;
  color: #1B3A57 !important;
  border: 2px solid #ffffff !important;
  cursor: pointer !important;
  display: grid !important;
  place-items: center !important;
  box-shadow: 0 8px 25px rgba(46, 196, 160, 0.45) !important;
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275) !important;
  opacity: 1 !important;
  visibility: visible !important;
}

.assistant-trigger-btn:hover, button#assistant-trigger:hover {
  background-color: #1B3A57 !important;
  color: #2EC4A0 !important;
  border-color: #2EC4A0 !important;
  transform: scale(1.1) rotate(90deg) !important;
  box-shadow: 0 12px 30px rgba(27, 58, 87, 0.5) !important;
}

.assistant-trigger-btn.active, button#assistant-trigger.active {
  transform: rotate(135deg) !important;
  background-color: #1B3A57 !important;
  color: #2EC4A0 !important;
  border-color: #2EC4A0 !important;
}

.assistant-menu {
  margin-bottom: 0.75rem !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 0.45rem !important;
  opacity: 0 !important;
  visibility: hidden !important;
  transform: translateY(15px) scale(0.95) !important;
  transition: all 0.25s cubic-bezier(0.175, 0.885, 0.32, 1.275) !important;
  pointer-events: none !important;
}

.assistant-menu.open {
  opacity: 1 !important;
  visibility: visible !important;
  transform: translateY(0) scale(1) !important;
  pointer-events: auto !important;
}

.assistant-menu-item {
  display: flex !important;
  align-items: center !important;
  gap: 0.65rem !important;
  background-color: #ffffff !important;
  border: 1.5px solid rgba(46, 196, 160, 0.3) !important;
  padding: 0.55rem 1.15rem !important;
  border-radius: 50px !important;
  box-shadow: 0 6px 20px rgba(27, 58, 87, 0.15) !important;
  font-size: 0.8rem !important;
  font-weight: 800 !important;
  color: #1B3A57 !important;
  cursor: pointer !important;
  text-decoration: none !important;
  white-space: nowrap !important;
  transition: all 0.2s ease !important;
}

.assistant-menu-item:hover {
  background-color: #1B3A57 !important;
  border-color: #2EC4A0 !important;
  color: #ffffff !important;
  transform: translateX(-4px) !important;
  box-shadow: 0 8px 25px rgba(46, 196, 160, 0.35) !important;
}

.assistant-menu-item-icon {
  width: 24px !important;
  height: 24px !important;
  background-color: rgba(46, 196, 160, 0.15) !important;
  color: #2EC4A0 !important;
  border-radius: 50% !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  flex-shrink: 0 !important;
}

.assistant-menu-item:hover .assistant-menu-item-icon {
  background-color: #2EC4A0 !important;
  color: #1B3A57 !important;
}

@media (max-width: 768px) {
  header#main-header, header {
    height: 74px !important;
  }
  body {
    padding-top: 74px !important;
  }
  .back-to-top-btn, button#back-to-top {
    bottom: 20px !important;
    right: 20px !important;
    width: 44px !important;
    height: 44px !important;
  }
  .floating-assistant-wrapper {
    bottom: 74px !important;
    right: 20px !important;
  }
  .assistant-trigger-btn, button#assistant-trigger {
    width: 44px !important;
    height: 44px !important;
  }
}


/* ==========================================================================
   ULTRA-STRICT FIXED HEADER & VIEWPORT LOCK (v=38)
   ========================================================================== */

/* 1. Remove ANY transform from body & html that breaks position: fixed */
html, body {
  transform: none !important;
  filter: none !important;
  perspective: none !important;
  will-change: auto !important;
  animation: none !important;
}

/* 2. Lock Header to Top of Viewport Permanently */
header#main-header, header {
  position: fixed !important;
  top: 0 !important;
  left: 0 !important;
  right: 0 !important;
  width: 100vw !important;
  max-width: 100% !important;
  height: 88px !important;
  z-index: 10000 !important;
  background: rgba(255, 255, 255, 0.98) !important;
  backdrop-filter: blur(16px) !important;
  -webkit-backdrop-filter: blur(16px) !important;
  border-bottom: 1px solid rgba(27, 58, 87, 0.12) !important;
  box-shadow: 0 4px 25px rgba(27, 58, 87, 0.08) !important;
  margin: 0 !important;
  box-sizing: border-box !important;
  display: flex !important;
  align-items: center !important;
}

body {
  padding-top: 88px !important;
}

header.scrolled {
  height: 74px !important;
  box-shadow: 0 8px 30px rgba(27, 58, 87, 0.15) !important;
  background: rgba(255, 255, 255, 0.99) !important;
}

@media (max-width: 768px) {
  header#main-header, header {
    height: 74px !important;
  }
  body {
    padding-top: 74px !important;
  }
}