* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Figtree', -apple-system, sans-serif;
  color: #1b2432;
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, .serif { font-family: 'Newsreader', Georgia, serif; margin: 0; font-weight: 500; }
a { color: #0a1a8f; text-decoration: none; }
a:hover { color: #081569; }
img { max-width: 100%; display: block; }
.wrap { max-width: 1160px; margin: 0 auto; padding: 0 32px; }
.eyebrow { color: #0a1a8f; font-weight: 600; letter-spacing: 0.12em; font-size: 12.5px; text-transform: uppercase; }

/* ── Section headings ───────────────────────────────────────────────────── */
.section-head { margin-bottom: 56px; }
.section-head .eyebrow { display: block; font-family: 'Newsreader', serif; font-weight: 600; text-transform: none; letter-spacing: 0; font-size: 38px; color: #f0b429; margin-bottom: 14px; line-height: 1; }
.section-head .eyebrow::before { content: ''; width: 46px; height: 3px; background: #0a1a8f; display: block; margin-top: 14px; }
.section-head.on-dark .eyebrow::before { background: #f0b429; }
.section-head.center .eyebrow::before { margin-left: auto; margin-right: auto; }
.section-head h2 { font-size: 32px; line-height: 1.22; color: #0a1a8f; letter-spacing: -0.01em; max-width: 640px; }
.section-head p { font-size: 16px; color: #5b6472; line-height: 1.7; max-width: 560px; margin-top: 16px; }
.section-head.center { text-align: center; }
.section-head.center h2 { max-width: 680px; margin-left: auto; margin-right: auto; }
.section-head.on-dark h2 { color: #fff; }
.section-head.on-dark .eyebrow { color: #f0b429; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; height: 52px; padding: 0 30px; border-radius: 3px; font-weight: 600; font-size: 15px; cursor: pointer; transition: all .15s ease; border: none; }
.btn-primary { background: #f0b429; color: #0a1a8f; box-shadow: 0 8px 20px -6px rgba(240,180,41,0.55); }
.btn-primary:hover { background: #d69c1a; color: #0a1a8f; }
.btn-ghost-dark { background: transparent; color: #ffffff; border: 1px solid rgba(255,255,255,0.35); }
.btn-ghost-dark:hover { color: #fff; border-color: #fff; }
.card { background: #fff; border-radius: 6px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 12px 28px -14px rgba(13,31,54,0.18); }

/* ── Header ─────────────────────────────────────────────────────────────── */
.site-header { position: sticky; top: 0; z-index: 30; background: #0a1a8f; border-bottom: 1px solid rgba(255,255,255,0.1); }
.site-header .wrap { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 18px; height: 116px; max-width: 1380px; }
.brand { display: flex; align-items: center; gap: 9px; flex-shrink: 0; }
.brand img { width: 68px; height: 68px; border-radius: 50%; object-fit: cover; background: #fff; flex-shrink: 0; }
.brand-name { font-family: 'Newsreader', serif; font-weight: 700; font-size: 26px; color: #fff; line-height: 1.2; text-transform: uppercase; letter-spacing: 0.01em; white-space: nowrap; }
.brand-name small { display: block; font-family: 'Figtree', sans-serif; font-size: 12px; font-weight: 600; letter-spacing: 0.05em; color: #fff; text-transform: uppercase; white-space: nowrap; }
.header-badge { display: flex; flex-direction: column; align-items: center; justify-content: center; width: 72px; height: 72px; border-radius: 50%; background: #f0b429; color: #0a1a8f; margin-left: 10px; line-height: 1; flex-shrink: 0; }
.header-badge .n { font-family: 'Newsreader', serif; font-weight: 700; font-size: 21px; }
.header-badge .y { font-size: 9px; font-weight: 700; letter-spacing: 0.04em; margin-top: 2px; }
.nav-links { display: flex; align-items: center; gap: 22px; list-style: none; margin: 0; padding: 0; font-size: 14px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.025em; flex-wrap: nowrap; }
.nav-links > li { position: relative; flex-shrink: 0; }
.nav-links a { color: #fff; display: flex; align-items: center; gap: 4px; white-space: nowrap; }
.nav-links a.current { color: #f0b429; }
.nav-links .menu-item-has-children > a::after { content: ''; width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg); margin-top: -3px; }
.nav-links .sub-menu { list-style: none; margin: 0; padding: 10px; position: absolute; top: calc(100% + 14px); left: -10px; min-width: 230px; background: #fff; border-radius: 8px; box-shadow: 0 20px 40px -12px rgba(10,26,143,0.25); opacity: 0; visibility: hidden; transform: translateY(6px); transition: all .18s ease; z-index: 40; text-transform: none; letter-spacing: normal; font-weight: 500; font-size: 14px; }
.nav-links li.menu-item-has-children:hover > .sub-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-links .sub-menu a { padding: 10px 14px; border-radius: 5px; color: #1b2432; }
.nav-links .sub-menu a:hover { background: #e8ecfa; color: #0a1a8f; }
.nav-links .sub-menu li + li { margin-top: 2px; }
.header-cta { background: #fff; color: #0a1a8f !important; }
.header-cta:hover { background: #f0b429; color: #0a1a8f !important; }

.nav-toggle { display: none; flex-direction: column; justify-content: center; align-items: center; gap: 5px; width: 40px; height: 40px; background: transparent; border: none; cursor: pointer; flex-shrink: 0; padding: 0; }
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: #fff; border-radius: 2px; transition: transform .2s ease, opacity .2s ease; }
.nav-toggle.is-active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle.is-active span:nth-child(2) { opacity: 0; }
.nav-toggle.is-active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ── Hero slider ────────────────────────────────────────────────────────── */
.hero-slider { position: relative; background: #0a1a8f; overflow: hidden; min-height: 78vh; }
.slide { position: absolute; inset: 0; opacity: 0; transition: opacity .9s ease; display: flex; align-items: center; }
.slide.is-active { position: relative; opacity: 1; }
.slide-bg { position: absolute; inset: 0; background-size: cover; background-position: center; }
.slide-bg.zoom { animation: heroZoom 9s ease-out forwards; }
@keyframes heroZoom { from { transform: scale(1.08); } to { transform: scale(1); } }
.slide-overlay { position: absolute; inset: 0; background: linear-gradient(100deg, rgba(6,15,70,0.82) 15%, rgba(6,15,70,0.55) 42%, rgba(6,15,70,0.22) 68%, rgba(6,15,70,0.05) 100%); }
.slide-content { position: relative; padding: 60px 32px 130px; max-width: 660px; }
.slide-eyebrow { display: inline-flex; align-items: center; gap: 8px; color: #c7d3f5; font-weight: 700; letter-spacing: 0.1em; font-size: 12.5px; text-transform: uppercase; margin-bottom: 26px; background: rgba(86,119,214,0.14); border: 1px solid rgba(86,119,214,0.35); padding: 8px 16px; border-radius: 30px; }
.slide-content h1 { color: #fff; font-size: 60px; line-height: 1.08; margin-bottom: 26px; letter-spacing: -0.01em; }
.slide-content h1 em { font-style: italic; color: #a9c1ff; }
.slide-content p { color: #ccd4de; font-size: 17.5px; line-height: 1.7; margin-bottom: 36px; max-width: 540px; }
.slider-dots { position: absolute; left: 50%; transform: translateX(-50%); bottom: 26px; display: flex; gap: 10px; z-index: 5; }
.slider-dots button { width: 9px; height: 9px; border-radius: 50%; background: rgba(255,255,255,0.35); border: none; cursor: pointer; padding: 0; }
.slider-dots button.is-active { background: #5677d6; }
.slider-arrow { position: absolute; top: 50%; transform: translateY(-50%); width: 44px; height: 44px; border-radius: 50%; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.3); color: #fff; display: flex; align-items: center; justify-content: center; cursor: pointer; z-index: 5; }
.slider-arrow:hover { background: rgba(255,255,255,0.22); }
.slider-arrow.prev { left: 24px; }
.slider-arrow.next { right: 24px; }

/* ── Trust strip ────────────────────────────────────────────────────────── */
.trust-strip-wrap { position: relative; z-index: 6; }
.trust-strip { background: #8a1220; display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); transform: translateY(-64px); overflow: hidden; box-shadow: 0 24px 60px -20px rgba(138,18,32,0.45); border-radius: 10px; }
.trust-item { display: flex; align-items: center; gap: 14px; padding: 26px 22px; border-right: 1px solid rgba(255,255,255,0.15); }
.trust-item:last-child { border-right: none; }
.trust-item .icon-badge { width: 42px; height: 42px; border-radius: 50%; background: rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.trust-item .icon-badge svg { stroke: #fff !important; }
.trust-item .num { font-family: 'Newsreader', serif; font-size: 15px; color: #fff; font-weight: 700; line-height: 1.3; }
.trust-item .label { font-size: 11.5px; color: #ffd7d7; margin-top: 3px; }

/* ── Features band ──────────────────────────────────────────────────────── */
.features-band { padding: 44px 32px 0; }
.features-grid { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }
.feature-pill { display: flex; align-items: center; gap: 10px; background: #fff; border: 1px solid rgba(13,31,54,0.08); border-radius: 30px; padding: 12px 20px; font-size: 13.5px; font-weight: 600; color: #0a1a8f; box-shadow: 0 1px 2px rgba(13,31,54,0.03); }
.feature-pill.is-highlight { background: #0a1a8f; color: #fff; border-color: #0a1a8f; box-shadow: 0 10px 24px -10px rgba(10,26,143,0.5); }

/* ── Loan calculator ────────────────────────────────────────────────────── */
.calc-section { padding: 100px 32px; }
.calc-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: center; }
.calc-card { background: #fff; border-radius: 10px; padding: 40px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 24px 50px -20px rgba(13,31,54,0.22); }
.calc-field { margin-bottom: 26px; }
.calc-field label { display: flex; justify-content: space-between; font-size: 13.5px; font-weight: 600; color: #1b2432; margin-bottom: 10px; }
.calc-field label span { color: #0a1a8f; font-weight: 700; }
.calc-field input[type="range"] { width: 100%; accent-color: #0a1a8f; }
.calc-result { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 30px; padding-top: 26px; border-top: 1px solid rgba(13,31,54,0.08); }
.calc-result .box { background: #e8ecfa; border-radius: 6px; padding: 18px 20px; }
.calc-result .box .lbl { font-size: 12px; color: #5b6472; margin-bottom: 6px; }
.calc-result .box .val { font-family: 'Newsreader', serif; font-size: 22px; color: #0a1a8f; font-weight: 600; }
.calc-note { font-size: 12px; color: #7a8494; margin-top: 16px; line-height: 1.5; }

/* ── Process / How it works ─────────────────────────────────────────────── */
.process-section { padding: 96px 32px; }
.process-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 28px; }
.process-step { position: relative; padding-top: 8px; }
.process-step .step-num { font-family: 'Newsreader', serif; font-size: 34px; color: #f0b429; font-weight: 600; margin-bottom: 10px; }
.process-step h3 { font-size: 16.5px; color: #0a1a8f; margin-bottom: 8px; font-family: 'Figtree', sans-serif; font-weight: 700; }
.process-step p { font-size: 13.8px; color: #5b6472; line-height: 1.6; margin: 0; }

/* ── About Us page ──────────────────────────────────────────────────────── */
.about-story { padding: 100px 32px; }
.timeline { display: flex; flex-direction: column; gap: 0; border-left: 2px solid rgba(10,26,143,0.15); margin-left: 10px; }
.timeline-item { position: relative; padding: 0 0 44px 36px; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before { content: ''; position: absolute; left: -7px; top: 4px; width: 12px; height: 12px; border-radius: 50%; background: #5677d6; border: 3px solid #ffffff; }
.timeline-item .t-year { font-family: 'Newsreader', serif; font-weight: 600; color: #0a1a8f; font-size: 14px; letter-spacing: 0.04em; margin-bottom: 6px; }
.timeline-item h3 { font-size: 18px; color: #0a1a8f; margin-bottom: 8px; font-family: 'Figtree', sans-serif; font-weight: 700; }
.timeline-item p { font-size: 14.5px; color: #5b6472; line-height: 1.7; margin: 0; max-width: 560px; }

.values-section { background: #0a1a8f; padding: 100px 32px; }
.values-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; }
.value-card { background: #fff; border-radius: 8px; padding: 34px 28px; box-shadow: 0 20px 40px -20px rgba(0,0,0,0.3); }
.value-card .svc-icon { width: 50px; height: 50px; border-radius: 12px; background: #e8ecfa; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.value-card h3 { font-size: 17px; color: #0a1a8f; margin-bottom: 10px; font-weight: 700; font-family: 'Figtree', sans-serif; }
.value-card p { font-size: 14px; color: #5b6472; line-height: 1.65; margin: 0; }

.glance-section { padding: 100px 32px; }
.quote-section { background: #eef1fb; padding: 96px 32px; text-align: center; }
.governance-section { padding: 100px 32px; }

.team-section { padding: 20px 32px 100px; }
.team-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 28px; }
.team-card { background: #fff; border-radius: 8px; padding: 0 0 28px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 16px 32px -18px rgba(13,31,54,0.18); text-align: center; overflow: hidden; }
.team-photo { width: 100%; aspect-ratio: 4/3.4; object-fit: cover; display: block; background: #e8ecfa; }
.team-photo.placeholder { display: flex; align-items: center; justify-content: center; }
.team-photo.placeholder svg { opacity: 0.35; }
.team-card h3 { font-size: 17.5px; color: #0a1a8f; margin: 22px 0 4px; font-weight: 700; font-family: 'Figtree', sans-serif; }
.team-card .role { font-size: 13.5px; color: #8a93a6; font-weight: 600; text-transform: uppercase; letter-spacing: 0.03em; }

/* ── Services listing + detail ──────────────────────────────────────────── */
.services-list-section { padding: 100px 32px; }
.services-list-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; }
.service-list-card { background: #fff; border-radius: 8px; padding: 34px 28px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 16px 32px -18px rgba(13,31,54,0.18); transition: transform .15s ease; }
.service-list-card .svc-icon { width: 52px; height: 52px; border-radius: 12px; background: #e8ecfa; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.service-list-card h3 { font-size: 17.5px; color: #0a1a8f; margin-bottom: 10px; font-weight: 700; font-family: 'Figtree', sans-serif; }
.service-list-card p { font-size: 14px; color: #5b6472; line-height: 1.65; margin-bottom: 18px; }
.service-list-card a.more { font-size: 13.5px; font-weight: 700; color: #0a1a8f; }
.service-detail-section { padding: 90px 32px; }
.service-detail-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }
.service-side { background: #fff; border-radius: 8px; padding: 8px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 16px 32px -18px rgba(13,31,54,0.18); }
.service-side a { display: flex; align-items: center; justify-content: space-between; padding: 15px 18px; font-size: 14.5px; font-weight: 600; color: #1b2432; border-radius: 6px; }
.service-side a.current, .service-side a:hover { background: #e8ecfa; color: #0a1a8f; }
.service-body h1 { font-size: 32px; color: #0a1a8f; margin-bottom: 20px; }
.service-body p { font-size: 16px; line-height: 1.8; color: #3d4652; margin-bottom: 18px; }
.service-body ul { padding-left: 20px; margin: 0 0 24px; }
.service-body ul li { font-size: 15.5px; line-height: 1.8; color: #3d4652; }
.service-cta-box { background: #0a1a8f; border-radius: 8px; padding: 28px; margin-top: 28px; }
.service-cta-box p { color: #cfd6e8; font-size: 14.5px; margin-bottom: 16px; }

/* ── About ──────────────────────────────────────────────────────────────── */
.about-section { padding: 40px 32px 100px; }
.about-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 64px; align-items: start; }
.about-grid p { font-size: 16.5px; line-height: 1.8; color: #3d4652; margin-bottom: 20px; }

.why-us-section { padding: 20px 32px 100px; }
.why-us-image.placeholder { width: 100%; aspect-ratio: 4/3.4; background: #e8ecfa; border-radius: 10px; display: flex; align-items: center; justify-content: center; box-shadow: 0 16px 32px -14px rgba(10,26,143,0.3); }
.why-us-image.placeholder svg { opacity: 0.35; }
.why-us-list { list-style: none; margin: 0; padding: 0; }
.why-us-list li { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 26px; }
.why-us-list li:last-child { margin-bottom: 0; }
.why-us-list .check { flex-shrink: 0; width: 34px; height: 34px; border-radius: 50%; background: #0a1a8f; display: flex; align-items: center; justify-content: center; }
.why-us-list h3 { font-size: 16.5px; color: #0a1a8f; font-weight: 700; margin-bottom: 4px; font-family: 'Figtree', sans-serif; }
.why-us-list p { font-size: 14.5px; color: #5b6472; line-height: 1.65; margin: 0; }

/* ── Services ───────────────────────────────────────────────────────────── */
.services-section { background: #0a1a8f; position: relative; overflow: hidden; }
.services-section::before { content: ''; position: absolute; top: -140px; right: -140px; width: 420px; height: 420px; border-radius: 50%; border: 1px solid rgba(86,119,214,0.15); }
.services-section .wrap { position: relative; padding: 100px 32px; }
.services-section h2 { color: #fff; font-size: 33px; line-height: 1.3; max-width: 560px; margin-bottom: 52px; }
.services-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; }
.service-card { display: block; background: #fff; border-radius: 8px; padding: 32px 26px; box-shadow: 0 20px 40px -20px rgba(0,0,0,0.35); transition: transform .2s ease; }
.service-card:hover { transform: translateY(-4px); }
.service-card .svc-photo { width: 100%; aspect-ratio: 16/10; object-fit: cover; border-radius: 8px; margin-bottom: 18px; }
.service-card .svc-icon { width: 50px; height: 50px; border-radius: 12px; background: #e8ecfa; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.service-card h3 { font-size: 16.5px; color: #0a1a8f; margin-bottom: 10px; font-weight: 700; font-family: 'Figtree', sans-serif; }
.service-card p { font-size: 13.8px; color: #5b6472; line-height: 1.6; margin: 0; }

/* ── Branches ───────────────────────────────────────────────────────────── */
.branches-section { padding: 100px 32px; background: #eef1fb; position: relative; overflow: hidden; }
.branches-section::after { content: ''; position: absolute; bottom: -160px; left: -160px; width: 380px; height: 380px; border-radius: 50%; border: 1px solid rgba(13,31,54,0.06); }
.branches-grid { position: relative; display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 24px; }
.branch-card { position: relative; background: #fff; border-radius: 10px; padding: 20px 22px 26px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 16px 32px -18px rgba(13,31,54,0.18); border-top: 3px solid transparent; transition: transform .18s ease, box-shadow .18s ease; }
.branch-card:hover { transform: translateY(-5px); box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 30px 50px -22px rgba(13,31,54,0.3); }
.branch-card.is-head { border-top-color: #8a1220; }
.branch-card .photo, .branch-card .map-tile { width: 100%; aspect-ratio: 16/10; border-radius: 7px; margin-bottom: 18px; }
.branch-card .photo { object-fit: cover; display: block; }
.branch-card .map-tile { background: linear-gradient(135deg, #0a1a8f 0%, #16247f 55%, #1c2f9e 100%); background-image: radial-gradient(rgba(255,255,255,0.12) 1.5px, transparent 1.5px), linear-gradient(135deg, #0a1a8f 0%, #16247f 55%, #1c2f9e 100%); background-size: 16px 16px, cover; display: flex; align-items: center; justify-content: center; }
.branch-card.is-head .map-tile { background: linear-gradient(135deg, #8a1220 0%, #6e0e1a 55%, #a1152a 100%); background-image: radial-gradient(rgba(255,255,255,0.14) 1.5px, transparent 1.5px), linear-gradient(135deg, #8a1220 0%, #6e0e1a 55%, #a1152a 100%); background-size: 16px 16px, cover; }
.branch-card .map-tile svg { opacity: 0.9; }
.branch-card .badge { position: absolute; top: 14px; left: 14px; z-index: 1; display: inline-block; font-size: 10px; font-weight: 800; letter-spacing: 0.07em; color: #8a1220; background: #fff; padding: 4px 11px; border-radius: 20px; box-shadow: 0 6px 14px -6px rgba(0,0,0,0.35); }
.branch-card .name { font-weight: 700; color: #0a1a8f; font-size: 18px; margin-bottom: 12px; font-family: 'Newsreader', serif; }
.branch-card .info-line { display: flex; align-items: flex-start; gap: 9px; margin-bottom: 9px; }
.branch-card .info-line:last-child { margin-bottom: 0; }
.branch-card .info-line svg { flex-shrink: 0; margin-top: 2px; }
.branch-card .info-line span, .branch-card .info-line a { font-size: 13.5px; color: #5b6472; line-height: 1.55; font-weight: 500; }
.branch-card .info-line a { font-weight: 700; color: #1b2432; }
.branch-card .info-line a:hover { color: #0a1a8f; }

/* ── CTA banner ─────────────────────────────────────────────────────────── */
.cta-banner { background: #0a1a8f; }
.cta-banner .wrap { display: flex; align-items: center; justify-content: space-between; padding: 64px 32px; flex-wrap: wrap; gap: 24px; }
.cta-banner h2 { color: #fff; font-size: 27px; max-width: 520px; line-height: 1.35; }

/* ── Footer ─────────────────────────────────────────────────────────────── */
.site-footer { background: #0a1a8f; border-top: 3px solid #f0b429; }
.footer-top { padding: 76px 32px 48px; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.footer-brand { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.footer-brand img { width: 60px; height: 60px; border-radius: 50%; background: #fff; }
.footer-brand .name { font-family: 'Newsreader', serif; font-weight: 700; font-size: 24px; color: #fff; text-transform: uppercase; line-height: 1.15; }
.footer-col .heading { font-size: 13.5px; color: #f0b429; font-weight: 700; letter-spacing: 0.1em; margin-bottom: 20px; }
.footer-col a, .footer-col div.line { color: #d7ddf7; font-size: 15.5px; }
.footer-col a { display: block; margin-bottom: 12px; transition: color .15s; }
.footer-col a:hover { color: #f0b429; }
.footer-line-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.footer-line-item svg { flex-shrink: 0; margin-top: 2px; }
.footer-line-item span { font-size: 15.5px; color: #d7ddf7; line-height: 1.55; }
.footer-social { display: flex; gap: 10px; margin-top: 6px; }
.footer-social a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); display: flex; align-items: center; justify-content: center; margin: 0; }
.footer-social a:hover { background: rgba(240,180,41,0.2); border-color: #f0b429; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.15); padding: 26px 32px; }
.footer-legal { text-align: center; }
.footer-legal p { font-size: 13px; color: #ffffff; line-height: 1.9; max-width: 980px; margin: 0 auto 12px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.15); padding: 20px 32px; font-size: 14px; color: #ffffff; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }

/* ── Contact page ───────────────────────────────────────────────────────── */
.page-hero { position: relative; background: #0a1a8f url('img/page-hero-bg.jpg') center/cover no-repeat; padding: 90px 32px 70px; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(6,15,70,0.92) 30%, rgba(6,15,70,0.78) 65%, rgba(6,15,70,0.6) 100%); }
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; font-size: 40px; }
.page-hero p { color: #c3cbd6; font-size: 16px; margin-top: 14px; }
.contact-section { padding: 90px 32px; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-info .item { display: flex; gap: 16px; margin-bottom: 28px; }
.contact-info .item .icon { width: 44px; height: 44px; border-radius: 50%; background: #eef1fb; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-info .item .txt strong { display: block; font-size: 15px; color: #0a1a8f; margin-bottom: 4px; }
.contact-info .item .txt span { font-size: 14.5px; color: #5b6472; line-height: 1.6; }
.contact-form { background: #fff; border-radius: 8px; padding: 36px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 12px 28px -14px rgba(13,31,54,0.18); }
.contact-form label { display: block; font-size: 13.5px; font-weight: 600; color: #1b2432; margin-bottom: 6px; }
.contact-form input, .contact-form textarea { width: 100%; border: 1px solid #dcd6c9; border-radius: 4px; padding: 12px 14px; font-size: 14.5px; font-family: 'Figtree', sans-serif; margin-bottom: 18px; }
.contact-form textarea { min-height: 120px; resize: vertical; }
.map-embed { margin-top: 56px; border-radius: 8px; overflow: hidden; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 12px 28px -14px rgba(13,31,54,0.18); }
.map-embed iframe { width: 100%; height: 380px; border: 0; display: block; }

@media (max-width: 900px) {
  .about-grid, .contact-grid, .calc-grid, .service-detail-grid { grid-template-columns: 1fr; }
  .values-grid, .services-list-grid, .team-grid, .news-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .events-grid { grid-template-columns: 1fr; }
  .event-card { flex-direction: column; }
  .slide-content h1 { font-size: 38px !important; }
  .hero-slider { min-height: 70vh; }
  .services-grid, .trust-strip, .process-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .branches-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .site-header .wrap { height: 84px; }
  .brand img { width: 48px; height: 48px; }
  .brand-name { font-size: 18px; }
  .brand-name small { font-size: 9px; }
  .header-badge { width: 52px; height: 52px; margin-left: 8px; }
  .header-badge .n { font-size: 14px; }
  .header-badge .y { font-size: 6.5px; }
  .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .nav-links { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: #081569; padding: 8px 24px 24px; box-shadow: 0 24px 32px -14px rgba(0,0,0,0.35); max-height: calc(100vh - 84px); overflow-y: auto; }
  .nav-links.is-open { display: flex; }
  .nav-links > li { width: 100%; }
  .nav-links a { width: 100%; padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,0.12); justify-content: space-between; }
  .nav-links .menu-item-has-children > a::after { margin-top: 0; }
  .nav-links .sub-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; background: transparent; min-width: 0; margin: 0; padding: 0 0 0 16px; display: none; }
  .nav-links li.menu-item-has-children.is-expanded > a::after { transform: rotate(225deg); margin-top: 3px; }
  .nav-links li.menu-item-has-children.is-expanded > .sub-menu { display: block; }
  .nav-links .sub-menu a { color: #fff; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .nav-links .sub-menu a:hover { background: transparent; color: #f0b429; }
}

/* ── News ───────────────────────────────────────────────────────────────── */
.news-list-section { padding: 100px 32px; }
.news-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 28px; }
.news-card { background: #fff; border-radius: 8px; padding: 20px 22px 26px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 16px 32px -18px rgba(13,31,54,0.18); transition: transform .15s ease, box-shadow .15s ease; }
.news-card:hover { transform: translateY(-4px); box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 26px 44px -20px rgba(13,31,54,0.26); }
.news-card a { display: block; color: inherit; }
.news-photo { width: 100%; aspect-ratio: 16/10; object-fit: cover; border-radius: 7px; margin-bottom: 18px; display: block; }
.news-photo.placeholder { background: linear-gradient(135deg, #0a1a8f 0%, #16247f 55%, #1c2f9e 100%); display: flex; align-items: center; justify-content: center; }
.news-photo.placeholder.large { aspect-ratio: 21/9; border-radius: 8px; margin-bottom: 30px; }
.news-date { font-size: 12.5px; font-weight: 700; letter-spacing: 0.04em; color: #f0b429; text-transform: uppercase; margin-bottom: 8px; }
.news-card h3 { font-size: 17.5px; color: #0a1a8f; margin-bottom: 10px; font-weight: 700; font-family: 'Figtree', sans-serif; line-height: 1.35; }
.news-card p { font-size: 14px; color: #5b6472; line-height: 1.65; margin-bottom: 16px; }
.news-card .more, .event-card .more, .news-detail-section > a.more { font-size: 13.5px; font-weight: 700; color: #0a1a8f; }
.news-detail-section { padding: 90px 32px; max-width: 860px; margin: 0 auto; }
.news-detail-photo { width: 100%; aspect-ratio: 21/9; object-fit: cover; border-radius: 8px; margin-bottom: 30px; display: block; }
.news-detail-section > a.more { display: inline-block; margin-top: 20px; }

/* ── Events ─────────────────────────────────────────────────────────────── */
.events-list-section { padding: 100px 32px; }
.events-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 24px; }
.event-card { display: flex; gap: 22px; background: #fff; border-radius: 8px; padding: 24px; box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 16px 32px -18px rgba(13,31,54,0.18); transition: transform .15s ease, box-shadow .15s ease; color: inherit; }
.event-card:hover { transform: translateY(-4px); box-shadow: 0 1px 2px rgba(13,31,54,0.04), 0 26px 44px -20px rgba(13,31,54,0.26); }
.event-date-badge { flex-shrink: 0; width: 64px; height: 64px; border-radius: 8px; background: #0a1a8f; color: #fff; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.event-date-badge .d { font-size: 21px; font-weight: 800; line-height: 1; font-family: 'Figtree', sans-serif; }
.event-date-badge .m { font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em; margin-top: 2px; }
.event-body h3 { font-size: 17px; color: #0a1a8f; margin-bottom: 8px; font-weight: 700; font-family: 'Figtree', sans-serif; }
.event-meta { display: flex; align-items: center; gap: 7px; margin-bottom: 10px; }
.event-meta span { font-size: 13px; color: #5b6472; font-weight: 600; }
.event-body p { font-size: 14px; color: #5b6472; line-height: 1.6; margin-bottom: 12px; }

/* ── Back to top ────────────────────────────────────────────────────────── */
.back-to-top { position: fixed; right: 26px; bottom: 26px; z-index: 40; width: 46px; height: 46px; border-radius: 50%; border: none; cursor: pointer; background: #0a1a8f; box-shadow: 0 12px 28px -10px rgba(10,26,143,0.55); display: flex; align-items: center; justify-content: center; opacity: 0; visibility: hidden; transform: translateY(10px); transition: opacity .2s ease, transform .2s ease, background .15s ease; }
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: #f0b429; }
.back-to-top:hover svg { stroke: #0a1a8f; }
@media (max-width: 900px) {
  .back-to-top { right: 18px; bottom: 18px; width: 42px; height: 42px; }
}

/* ── CENADI-style callout banner ────────────────────────────────────────── */
.callout-banner-wrap { display: flex; justify-content: center; padding: 0 32px; margin-top: 40px; }
.callout-banner { background: #8a1220; color: #fff; font-weight: 800; font-size: 15px; text-align: center; letter-spacing: 0.02em; padding: 16px 36px; border-radius: 40px; box-shadow: 0 16px 32px -12px rgba(138,18,32,0.5); line-height: 1.5; }
.callout-banner span { color: #ffd7d7; }

/* ── Photos in service/branch cards ─────────────────────────────────────── */
.service-list-card .svc-photo, .service-card .svc-photo { width: 100%; aspect-ratio: 16/10; object-fit: cover; border-radius: 8px; margin-bottom: 18px; }