/* ==========================================================================
   AGNISWARI CHIT FUNDS (P) LTD - Modern Fin-Tech Stylesheet (2026 Edition)
   Designed with Premium Fin-tech Aesthetics: CRED / Groww / Stripe inspired
   ========================================================================== */

:root {
  --primary: #059669;
  --primary-light: #10b981;
  --primary-dark: #047857;
  --primary-glow: rgba(16, 185, 129, 0.35);
  --primary-subtle: #ecfdf5;

  --accent-gold: #f59e0b;
  --accent-gold-light: #fef3c7;
  --accent-gold-glow: rgba(245, 158, 11, 0.3);

  --dark-bg: #061812;
  --dark-surface: #0a261c;
  --dark-card: #0f3427;
  --dark-border: rgba(16, 185, 129, 0.22);

  --text-primary: #0f172a;
  --text-secondary: #475569;
  --text-muted: #64748b;
  --text-light: #f8fafc;

  --bg-page: #ffffff;
  --bg-subtle: #f8fafc;
  --bg-card: #ffffff;
  --border-light: #e2e8f0;
  --border-card: #edf2f7;

  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 16px 40px rgba(0, 0, 0, 0.08);
  --shadow-emerald: 0 16px 36px -10px rgba(5, 150, 105, 0.35);
  --shadow-gold: 0 16px 36px -10px rgba(245, 158, 11, 0.35);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-pill: 9999px;

  --transition-fast: 0.18s ease;
  --transition-base: 0.28s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Base Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-primary);
  background-color: var(--bg-page);
  line-height: 1.6;
  overflow-x: hidden;
}

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

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

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
  transition: var(--transition-base);
}

input, select, textarea {
  font-family: inherit;
  font-size: 1rem;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1260px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.section {
  padding: 96px 0;
  position: relative;
}

.section-subtle {
  background-color: var(--bg-subtle);
}

.section-dark {
  background-color: var(--dark-bg);
  color: var(--text-light);
  position: relative;
  overflow: hidden;
}

/* Section Header Component */
.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 56px auto;
}

.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  border-radius: var(--radius-pill);
  font-size: 0.825rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
  background: var(--primary-subtle);
  color: var(--primary-dark);
  border: 1px solid rgba(16, 185, 129, 0.25);
}

.section-badge.badge-gold {
  background: var(--accent-gold-light);
  color: #92400e;
  border-color: rgba(245, 158, 11, 0.3);
}

.section-badge.badge-dark {
  background: rgba(16, 185, 129, 0.12);
  color: var(--primary-light);
  border-color: rgba(16, 185, 129, 0.3);
}

.section-title {
  font-size: 2.5rem;
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.25;
  color: var(--text-primary);
  margin-bottom: 16px;
}

.section-dark .section-title {
  color: #ffffff;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--text-secondary);
  line-height: 1.65;
}

.section-dark .section-subtitle {
  color: #94a3b8;
}

.gradient-text {
  background: linear-gradient(135deg, #059669 0%, #10b981 50%, #34d399 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.gold-gradient-text {
  background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-size: 0.95rem;
  font-weight: 700;
  padding: 13px 26px;
  border-radius: var(--radius-pill);
  transition: all var(--transition-base);
  user-select: none;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #ffffff !important;
  box-shadow: 0 4px 16px rgba(5, 150, 105, 0.35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(5, 150, 105, 0.45);
  background: linear-gradient(135deg, var(--primary-light) 0%, var(--primary) 100%);
}

.btn-secondary {
  background: #ffffff;
  color: var(--text-primary) !important;
  border: 1.5px solid var(--border-light);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
  border-color: var(--primary);
  color: var(--primary) !important;
  background: var(--primary-subtle);
  transform: translateY(-2px);
}

.btn-gold {
  background: linear-gradient(135deg, #f59e0b 0%, #d97706 100%);
  color: #ffffff !important;
  box-shadow: 0 4px 16px rgba(245, 158, 11, 0.35);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(245, 158, 11, 0.45);
}

.btn-outline-white {
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff !important;
  border: 1.5px solid rgba(255, 255, 255, 0.25);
  backdrop-filter: blur(8px);
}

.btn-outline-white:hover {
  background: #ffffff;
  color: var(--dark-bg) !important;
  border-color: #ffffff;
}

.btn-lg {
  padding: 16px 34px;
  font-size: 1.05rem;
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   HEADER & NAVIGATION BAR
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
  transition: all var(--transition-base);
}

.site-header.scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.06);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
  text-decoration: none;
}

.brand-logo-img {
  width: 48px;
  height: 48px;
  object-fit: contain;
}

.brand-text-wrap {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-size: 1.25rem;
  font-weight: 900;
  color: var(--primary-dark);
  letter-spacing: -0.02em;
  line-height: 1.15;
}

.brand-name .highlight-red {
  color: #dc2626;
}

.brand-tagline {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: 0.02em;
}

/* Desktop Navigation */
.desktop-nav .nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
  white-space: nowrap;
}

.desktop-nav .nav-item {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-secondary);
  position: relative;
  padding: 8px 0;
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  line-height: 1;
  transition: color var(--transition-fast);
}

.desktop-nav .nav-item:hover,
.desktop-nav .nav-item.active {
  color: var(--primary);
}

.desktop-nav .nav-item.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2.5px;
  background: var(--primary);
  border-radius: var(--radius-pill);
}

.calc-badge {
  background: #fef3c7;
  color: #b45309;
  font-size: 0.65rem;
  font-weight: 800;
  padding: 2px 6px;
  border-radius: var(--radius-pill);
  margin-left: 4px;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.hamburger-btn {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 30px;
  height: 22px;
  background: transparent;
  padding: 0;
}

.hamburger-btn .bar {
  height: 3px;
  width: 100%;
  background-color: var(--text-primary);
  border-radius: 4px;
  transition: all var(--transition-fast);
}

/* Mobile Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: 320px;
  max-width: 85%;
  height: 100vh;
  background: #ffffff;
  z-index: 1002;
  box-shadow: -10px 0 30px rgba(0, 0, 0, 0.15);
  display: flex;
  flex-direction: column;
  padding: 30px 24px;
  transition: right var(--transition-smooth);
}

.mobile-drawer.open {
  right: 0;
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 30px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border-light);
}

.drawer-close {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--text-primary);
}

.mobile-nav-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: auto;
}

.mobile-link {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-primary);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.mobile-link:hover {
  color: var(--primary);
}

.drawer-footer {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-top: 20px;
  border-top: 1px solid var(--border-light);
}

.drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  backdrop-filter: blur(4px);
  z-index: 1001;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-base);
}

.drawer-overlay.active {
  opacity: 1;
  visibility: visible;
}

/* ==========================================================================
   HERO SECTION (High-Contrast, Ultra-Fintech Design)
   ========================================================================== */
.hero-section {
  position: relative;
  background: radial-gradient(circle at 10% 20%, #0c3325 0%, #061812 70%);
  color: #ffffff;
  padding: 100px 0 120px 0;
  overflow: hidden;
}

.hero-ambient-glow {
  position: absolute;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.22) 0%, rgba(16, 185, 129, 0) 70%);
  top: -100px;
  right: -50px;
  border-radius: 50%;
  pointer-events: none;
}

.hero-ambient-glow-2 {
  position: absolute;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.12) 0%, rgba(245, 158, 11, 0) 70%);
  bottom: -50px;
  left: -50px;
  border-radius: 50%;
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  align-items: center;
  gap: 60px;
  position: relative;
  z-index: 2;
}

.hero-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 18px;
  background: rgba(16, 185, 129, 0.12);
  border: 1px solid rgba(16, 185, 129, 0.35);
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 700;
  color: #34d399;
  margin-bottom: 24px;
}

.hero-title {
  font-size: 3.25rem;
  font-weight: 900;
  line-height: 1.18;
  letter-spacing: -0.03em;
  color: #ffffff;
  margin-bottom: 22px;
}

.hero-subtitle {
  font-size: 1.125rem;
  line-height: 1.7;
  color: #cbd5e1;
  margin-bottom: 32px;
  max-width: 580px;
}

.hero-subtitle strong {
  color: #ffffff;
}

.hero-features-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 24px;
  margin-bottom: 36px;
  width: 100%;
  max-width: 540px;
}

.hero-feat-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.925rem;
  font-weight: 600;
  color: #e2e8f0;
}

.hero-feat-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(16, 185, 129, 0.2);
  color: #10b981;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  flex-shrink: 0;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.hero-trust-rating {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  width: 100%;
}

.trust-stars {
  color: #fbbf24;
  font-size: 0.95rem;
  letter-spacing: 2px;
}

.trust-text {
  font-size: 0.85rem;
  color: #94a3b8;
}

.trust-text strong {
  color: #f1f5f9;
}

/* Hero Right Visual */
.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
}

.hero-mockup-wrap {
  position: relative;
  width: 100%;
  max-width: 380px;
}

.hero-phone-img {
  width: 100%;
  height: auto;
  filter: drop-shadow(0 25px 50px rgba(0, 0, 0, 0.5));
  animation: floatPhone 6s ease-in-out infinite;
}

@keyframes floatPhone {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.hero-badge-float {
  position: absolute;
  background: rgba(15, 52, 39, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(16, 185, 129, 0.35);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.35);
  display: flex;
  align-items: center;
  gap: 14px;
  z-index: 3;
}

.float-auction {
  top: 12%;
  left: -20px;
  animation: floatBadge1 5s ease-in-out infinite;
}

.float-dividend {
  bottom: 14%;
  right: -20px;
  animation: floatBadge2 5.5s ease-in-out infinite;
}

@keyframes floatBadge1 {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

@keyframes floatBadge2 {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(8px); }
}

.float-badge-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.icon-auction {
  background: rgba(245, 158, 11, 0.18);
  color: #fbbf24;
}

.icon-dividend {
  background: rgba(16, 185, 129, 0.2);
  color: #34d399;
}

.float-badge-title {
  font-size: 0.78rem;
  font-weight: 600;
  color: #94a3b8;
  margin-bottom: 2px;
}

.float-badge-val {
  font-size: 0.95rem;
  font-weight: 800;
  color: #ffffff;
}

/* ==========================================================================
   METRICS BAR (High-Trust Enterprise Numbers)
   ========================================================================== */
.metrics-strip {
  background: #04140e;
  border-top: 1px solid rgba(16, 185, 129, 0.2);
  border-bottom: 1px solid rgba(16, 185, 129, 0.2);
  padding: 36px 0;
}

.metrics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}

.metric-card {
  padding: 0 16px;
  position: relative;
}

.metric-card:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 15%;
  height: 70%;
  width: 1px;
  background: rgba(255, 255, 255, 0.1);
}

.metric-num {
  font-size: 2.25rem;
  font-weight: 900;
  color: #ffffff;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: 6px;
}

.metric-num .accent-green {
  color: #10b981;
}

.metric-num .accent-gold {
  color: #fbbf24;
}

.metric-label {
  font-size: 0.875rem;
  color: #94a3b8;
  font-weight: 600;
}

/* ==========================================================================
   INTERACTIVE CHIT CALCULATOR (Fin-tech Studio)
   ========================================================================== */
.calc-wrapper {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--border-light);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.25fr 1fr;
}

.calc-controls-pane {
  padding: 44px;
}

.calc-results-pane {
  background: linear-gradient(145deg, #0a261c 0%, #061812 100%);
  color: #ffffff;
  padding: 44px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border-left: 1px solid rgba(16, 185, 129, 0.2);
}

.calc-group {
  margin-bottom: 32px;
}

.calc-group-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 14px;
}

.calc-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-primary);
}

.calc-value-display {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary);
}

/* Preset Chips */
.preset-chips-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 20px;
}

.preset-chip {
  padding: 10px 14px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border-light);
  background: var(--bg-subtle);
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-secondary);
  text-align: center;
  transition: all var(--transition-fast);
}

.preset-chip:hover {
  border-color: var(--primary-light);
  background: var(--primary-subtle);
  color: var(--primary-dark);
}

.preset-chip.active {
  border-color: var(--primary);
  background: var(--primary);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(5, 150, 105, 0.3);
}

/* Range Slider */
.custom-range {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #e2e8f0;
  outline: none;
  margin: 14px 0 8px 0;
  cursor: pointer;
}

.custom-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #ffffff;
  box-shadow: 0 2px 10px rgba(5, 150, 105, 0.5);
  cursor: pointer;
  transition: transform 0.15s ease;
}

.custom-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.custom-range::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #ffffff;
  box-shadow: 0 2px 10px rgba(5, 150, 105, 0.5);
  cursor: pointer;
}

.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
}

/* Duration Selectors */
.duration-pills-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}

.duration-pill {
  padding: 10px 8px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border-light);
  background: var(--bg-subtle);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-secondary);
  text-align: center;
  transition: all var(--transition-fast);
}

.duration-pill:hover {
  border-color: var(--primary-light);
  color: var(--primary-dark);
}

.duration-pill.active {
  border-color: var(--primary);
  background: var(--primary);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(5, 150, 105, 0.3);
}

/* Results Card Inner */
.calc-results-header {
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 20px;
  margin-bottom: 24px;
}

.results-super-title {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94a3b8;
  font-weight: 700;
  margin-bottom: 4px;
}

.results-scheme-name {
  font-size: 1.5rem;
  font-weight: 900;
  color: #ffffff;
}

.highlight-metric-box {
  background: rgba(16, 185, 129, 0.15);
  border: 1.5px solid rgba(16, 185, 129, 0.4);
  border-radius: var(--radius-lg);
  padding: 22px;
  margin-bottom: 24px;
  position: relative;
}

.highlight-metric-tag {
  position: absolute;
  top: -11px;
  right: 18px;
  background: #10b981;
  color: #061812;
  font-size: 0.7rem;
  font-weight: 800;
  padding: 2px 10px;
  border-radius: var(--radius-pill);
  text-transform: uppercase;
}

.highlight-metric-label {
  font-size: 0.85rem;
  color: #94a3b8;
  font-weight: 600;
  margin-bottom: 6px;
}

.highlight-metric-val {
  font-size: 2.25rem;
  font-weight: 900;
  color: #ffffff;
  letter-spacing: -0.02em;
}

.highlight-metric-val .month-sub {
  font-size: 1rem;
  font-weight: 600;
  color: #94a3b8;
}

.results-stats-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 30px;
}

.results-stat-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.925rem;
}

.stat-row-label {
  color: #94a3b8;
}

.stat-row-val {
  font-weight: 700;
  color: #f1f5f9;
}

.stat-row-val.dividend-val {
  color: #34d399;
}

.calc-note-box {
  font-size: 0.75rem;
  color: #64748b;
  margin-top: 14px;
  text-align: center;
  line-height: 1.5;
}

/* ==========================================================================
   CHIT SCHEMES GRID & CARDS
   ========================================================================== */
.scheme-filter-tabs {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}

.scheme-filter-btn {
  padding: 10px 22px;
  border-radius: var(--radius-pill);
  border: 1.5px solid var(--border-light);
  background: #ffffff;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-secondary);
  transition: all var(--transition-fast);
}

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

.scheme-filter-btn.active {
  background: var(--primary-dark);
  color: #ffffff;
  border-color: var(--primary-dark);
  box-shadow: 0 4px 14px rgba(4, 120, 87, 0.3);
}

.schemes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.scheme-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}

.scheme-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-emerald);
  border-color: var(--primary-light);
}

.scheme-card.card-popular {
  border-color: var(--primary);
  box-shadow: 0 10px 30px rgba(5, 150, 105, 0.15);
}

.popular-banner {
  background: linear-gradient(135deg, #059669 0%, #10b981 100%);
  color: #ffffff;
  font-size: 0.72rem;
  font-weight: 800;
  text-align: center;
  padding: 6px 0;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.scheme-card-header {
  padding: 28px 28px 20px 28px;
  border-bottom: 1px solid var(--border-card);
}

.scheme-tier-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--primary-dark);
  background: var(--primary-subtle);
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  margin-bottom: 10px;
}

.scheme-card-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 10px;
}

.scheme-chit-val {
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--primary-dark);
  letter-spacing: -0.02em;
}

.scheme-card-body {
  padding: 24px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  flex-grow: 1;
}

.scheme-feature-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.9rem;
}

.feat-row-label {
  color: var(--text-secondary);
}

.feat-row-val {
  font-weight: 700;
  color: var(--text-primary);
}

.feat-row-val.accent-green {
  color: var(--primary);
}

.scheme-card-footer {
  padding: 20px 28px 28px 28px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* ==========================================================================
   ECOSYSTEM & MOBILE APPS (Customer / Agent / Security)
   ========================================================================== */
.eco-tabs-nav {
  display: flex;
  justify-content: center;
  gap: 16px;
  margin-bottom: 48px;
}

.eco-tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  border: 1.5px solid var(--border-light);
  background: #ffffff;
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-secondary);
  transition: all var(--transition-base);
}

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

.eco-tab-btn.active {
  background: var(--dark-bg);
  color: #ffffff;
  border-color: var(--dark-bg);
  box-shadow: 0 8px 20px rgba(6, 24, 18, 0.25);
}

.eco-panel {
  display: none;
}

.eco-panel.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
  animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.eco-content-pane {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.eco-app-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.eco-title {
  font-size: 2.2rem;
  font-weight: 800;
  line-height: 1.25;
  color: var(--text-primary);
}

.eco-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.65;
}

.eco-features-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.eco-feature-box {
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.eco-feat-title {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--text-primary);
  display: flex;
  align-items: center;
  gap: 8px;
}

.eco-feat-title i {
  color: var(--primary);
}

.eco-feat-desc {
  font-size: 0.825rem;
  color: var(--text-muted);
}

.eco-visual-pane {
  display: flex;
  justify-content: center;
  position: relative;
}

.eco-phone-mockup {
  max-width: 380px;
  border-radius: 36px;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.15);
}

/* ==========================================================================
   HOW CHIT FUND WORKS (4 Steps)
   ========================================================================== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.step-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 36px 24px;
  border: 1.5px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  position: relative;
  transition: all var(--transition-base);
}

.step-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
}

.step-number {
  position: absolute;
  top: 20px;
  right: 24px;
  font-size: 2.5rem;
  font-weight: 900;
  color: #e2e8f0;
  line-height: 1;
}

.step-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  margin-bottom: 22px;
}

.step-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 10px;
}

.step-desc {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   WHY CHOOSE US / TRUST PILLARS
   ========================================================================== */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.pillar-card {
  background: var(--dark-surface);
  border: 1px solid var(--dark-border);
  border-radius: var(--radius-xl);
  padding: 36px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: all var(--transition-base);
}

.pillar-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary-light);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.4);
}

.pillar-icon-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: rgba(16, 185, 129, 0.15);
  color: #34d399;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}

.pillar-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: #ffffff;
}

.pillar-desc {
  font-size: 0.9rem;
  color: #94a3b8;
  line-height: 1.65;
}

/* ==========================================================================
   FAQ ACCORDION SECTION
   ========================================================================== */
.faq-accordion-wrap {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: #ffffff;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--primary-light);
}

.faq-item.active {
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.faq-question-btn {
  width: 100%;
  padding: 22px 26px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-primary);
  text-align: left;
}

.faq-icon-chevron {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  color: var(--text-muted);
  transition: transform var(--transition-fast);
  flex-shrink: 0;
}

.faq-item.active .faq-icon-chevron {
  transform: rotate(180deg);
  background: var(--primary-subtle);
  color: var(--primary);
}

.faq-answer-pane {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease-out;
  padding: 0 26px;
}

.faq-item.active .faq-answer-pane {
  max-height: 300px;
  padding-bottom: 24px;
}

.faq-answer-content {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* ==========================================================================
   APP DOWNLOAD BANNER
   ========================================================================== */
.app-banner-card {
  background: linear-gradient(135deg, #061812 0%, #0a261c 100%);
  border: 1px solid rgba(16, 185, 129, 0.25);
  border-radius: var(--radius-xl);
  padding: 60px 50px;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  align-items: center;
  gap: 40px;
  color: #ffffff;
}

.app-banner-content {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.app-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  background: rgba(16, 185, 129, 0.15);
  color: #34d399;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
}

.app-banner-title {
  font-size: 2.25rem;
  font-weight: 900;
  line-height: 1.25;
}

.app-banner-desc {
  font-size: 1.05rem;
  color: #cbd5e1;
  line-height: 1.65;
}

.app-store-btns {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.store-download-btn {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.1);
  border: 1.5px solid rgba(255, 255, 255, 0.2);
  color: #ffffff !important;
  transition: all var(--transition-fast);
}

.store-download-btn:hover {
  background: #ffffff;
  color: var(--dark-bg) !important;
  border-color: #ffffff;
  transform: translateY(-2px);
}

.store-btn-icon {
  font-size: 1.8rem;
}

.store-btn-text {
  display: flex;
  flex-direction: column;
  text-align: left;
}

.store-sub {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  opacity: 0.8;
}

.store-main {
  font-size: 1rem;
  font-weight: 800;
}

.app-banner-visual {
  display: flex;
  justify-content: center;
}

.app-phones-img {
  max-width: 320px;
  filter: drop-shadow(0 20px 40px rgba(0, 0, 0, 0.5));
}

/* ==========================================================================
   CONTACT SECTION
   ========================================================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 50px;
}

.contact-info-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-item-card {
  background: #ffffff;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 24px;
  display: flex;
  align-items: flex-start;
  gap: 18px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
}

.contact-item-card:hover {
  border-color: var(--primary);
  transform: translateX(4px);
}

.contact-icon-box {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
}

.contact-meta-title {
  font-size: 0.825rem;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.contact-meta-detail {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.5;
}

.contact-form-pane {
  background: #ffffff;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-md);
}

.form-group-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}

.field-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-primary);
}

.field-input {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  background: var(--bg-subtle);
  color: var(--text-primary);
  outline: none;
  transition: all var(--transition-fast);
}

.field-input:focus {
  border-color: var(--primary);
  background: #ffffff;
  box-shadow: 0 0 0 4px var(--primary-glow);
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer {
  background: #04140e;
  color: #94a3b8;
  padding: 80px 0 30px 0;
  border-top: 1px solid rgba(16, 185, 129, 0.2);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 60px;
}

.footer-brand-pane {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.footer-brand-title {
  font-size: 1.35rem;
  font-weight: 900;
  color: #ffffff;
}

.footer-brand-desc {
  font-size: 0.9rem;
  line-height: 1.65;
  color: #94a3b8;
}

.footer-reg-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: rgba(16, 185, 129, 0.12);
  border: 1px solid rgba(16, 185, 129, 0.3);
  border-radius: var(--radius-sm);
  color: #34d399;
  font-size: 0.8rem;
  font-weight: 700;
}

.footer-links-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 20px;
}

.footer-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links-list a {
  font-size: 0.9rem;
  color: #94a3b8;
  transition: all var(--transition-fast);
}

.footer-links-list a:hover {
  color: #34d399;
  transform: translateX(4px);
}

.footer-bottom-bar {
  padding-top: 30px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.825rem;
  color: #64748b;
  flex-wrap: wrap;
  gap: 16px;
}

/* ==========================================================================
   MODALS (Enrollment, Terms & Conditions, Privacy Policy)
   ========================================================================== */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(6, 24, 18, 0.75);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-base);
}

.modal-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.modal-dialog {
  background: #ffffff;
  border-radius: var(--radius-xl);
  max-width: 650px;
  width: 100%;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.35);
  transform: scale(0.92);
  transition: all var(--transition-base);
  overflow: hidden;
}

.modal-backdrop.active .modal-dialog {
  transform: scale(1);
}

.modal-dialog-large {
  max-width: 820px;
}

.modal-header {
  padding: 24px 30px;
  border-bottom: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.modal-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text-primary);
}

.modal-close-btn {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-size: 1.1rem;
}

.modal-close-btn:hover {
  background: #fee2e2;
  color: #ef4444;
}

.modal-body {
  padding: 30px;
  overflow-y: auto;
  line-height: 1.7;
  color: var(--text-secondary);
}

.modal-body h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-primary);
  margin: 20px 0 8px 0;
}

.modal-body p {
  margin-bottom: 14px;
}

.modal-body ul {
  padding-left: 20px;
  margin-bottom: 16px;
}

.modal-body li {
  margin-bottom: 6px;
}

.modal-footer {
  padding: 20px 30px;
  border-top: 1px solid var(--border-light);
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  background: var(--bg-subtle);
}

/* ==========================================================================
   FLOATING ACTIONS (WhatsApp & Back To Top)
   ========================================================================== */
.floating-actions-wrap {
  position: fixed;
  bottom: 30px;
  right: 30px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  z-index: 999;
}

.floating-btn {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
  transition: all var(--transition-base);
  font-size: 1.5rem;
}

.whatsapp-float-btn {
  background: #25d366;
  color: #ffffff !important;
  animation: pulseGreen 2.5s infinite;
}

.whatsapp-float-btn:hover {
  transform: scale(1.1);
  box-shadow: 0 12px 30px rgba(37, 211, 102, 0.45);
}

@keyframes pulseGreen {
  0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6); }
  70% { box-shadow: 0 0 0 16px rgba(37, 211, 102, 0); }
  100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
}

.top-float-btn {
  background: #ffffff;
  color: var(--text-primary);
  border: 1px solid var(--border-light);
  font-size: 1.15rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
}

.top-float-btn.show {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.top-float-btn:hover {
  background: var(--primary);
  color: #ffffff;
  border-color: var(--primary);
}

/* Toast Notice */
.toast-notice {
  position: fixed;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%) translateY(100px);
  background: #0f172a;
  color: #ffffff;
  padding: 16px 28px;
  border-radius: var(--radius-pill);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.3);
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  font-size: 0.95rem;
  z-index: 3000;
  opacity: 0;
  transition: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  pointer-events: none;
}

.toast-notice.show {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
}

.toast-notice i {
  color: #10b981;
  font-size: 1.25rem;
}

/* ==========================================================================
   RESPONSIVE DESIGN BREAKPOINTS
   ========================================================================== */
@media (max-width: 1080px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 50px;
  }

  .hero-content {
    align-items: center;
  }

  .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-features-list {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-cta-group {
    justify-content: center;
  }

  .hero-trust-rating {
    justify-content: center;
  }

  .schemes-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .calc-wrapper {
    grid-template-columns: 1fr;
  }

  .calc-results-pane {
    border-left: none;
    border-top: 1px solid rgba(16, 185, 129, 0.2);
  }

  .eco-panel.active {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .pillars-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-top-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .app-banner-card {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .app-store-btns {
    justify-content: center;
  }
}



@media (max-width: 820px) {
  .metrics-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .metric-card:nth-child(2)::after {
    display: none;
  }

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

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

@media (max-width: 580px) {
  .section {
    padding: 64px 0;
  }

  .hero-title {
    font-size: 2.35rem;
  }

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

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

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

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

  .metric-card::after {
    display: none !important;
  }

  .calc-controls-pane,
  .calc-results-pane {
    padding: 26px 20px;
  }

  .preset-chips-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .duration-pills-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-top-grid {
    grid-template-columns: 1fr;
  }
}

/* Responsive Nav Adjustments for Clean Spacing */
@media (min-width: 961px) and (max-width: 1160px) {
  .desktop-nav .nav-links {
    gap: 20px;
  }
  .desktop-nav .nav-item {
    font-size: 0.88rem;
  }
  .header-actions .btn {
    padding: 10px 18px;
    font-size: 0.85rem;
  }
}

@media (max-width: 960px) {
  .desktop-nav,
  .header-actions {
    display: none !important;
  }
  .hamburger-btn {
    display: flex !important;
  }
}