*{margin:0;padding:0;box-sizing:border-box;}
:root{
  --ink:#0A0F1E;--ink2:#141929;--ink3:#1E2740;
  --teal:#00B4A6;--teal2:#00D4C4;--teal3:#B2F0EC;
  --amber:#F59E0B;--amber2:#FCD34D;
  --rose:#F43F5E;
  --white:#FFFFFF;--off:#F4F7F9;--light:#E8F5F4;
  --text:#0A0F1E;--muted:#5B6B82;--border:#D4E4E2;
  --green:#059669;--red:#E11D48;
  --r6:6px;--r10:10px;--r14:14px;--r20:20px;--r99:99px;
  --shadow:0 4px 24px rgba(10,15,30,0.08);
  --shadow-lg:0 8px 40px rgba(10,15,30,0.14);
}
html{scroll-behavior:smooth;overflow-x:hidden;}
body{font-family:'Outfit',sans-serif;background:var(--off);color:var(--text);overflow-x:hidden;line-height:1.5;max-width:100vw;}
#land{display:block;}#form-pg{display:none;}#success-pg{display:none;}

/* ── NAVBAR ── */
nav{
  background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);
  border-bottom:1px solid rgba(0,180,166,0.12);
  padding:0 40px;display:flex;align-items:center;justify-content:space-between;
  height:68px;position:sticky;top:0;z-index:500;
  box-shadow:0 1px 20px rgba(10,15,30,0.06);
}
.nav-brand{display:flex;align-items:center;gap:12px;text-decoration:none;cursor:pointer;}
.nav-logo{width:58px;height:58px;border-radius:12px;overflow:hidden;flex-shrink:0;background:var(--white);}
.nav-logo img{width:100%;height:100%;object-fit:cover;}
.nav-title h1{font-size:15px;font-weight:700;color:#F59E0B;letter-spacing:-0.2px;}
.nav-title p{font-size:10px;color:#F59E0B;letter-spacing:0.2px;font-weight:400;}
.nav-links{display:flex;align-items:center;gap:2px;}
.nav-link{font-size:13px;font-weight:500;color:var(--muted);padding:8px 14px;border-radius:var(--r10);cursor:pointer;transition:all 0.2s;text-decoration:none;border:none;background:none;font-family:'Outfit',sans-serif;}
.nav-link:hover{color:var(--ink);background:var(--light);}
.btn-nav{background:linear-gradient(135deg,var(--teal),var(--teal2));color:var(--white);font-size:13px;font-weight:600;padding:10px 22px;border-radius:var(--r99);border:none;cursor:pointer;font-family:'Outfit',sans-serif;box-shadow:0 3px 14px rgba(0,180,166,0.4);transition:all 0.2s;}
.btn-nav:hover{transform:translateY(-1px);box-shadow:0 5px 20px rgba(0,180,166,0.5);}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:none;}
.hamburger span{width:22px;height:2px;background:var(--ink);border-radius:2px;display:block;}
.mobile-menu{display:none;position:fixed;top:68px;left:0;right:0;background:var(--white);border-bottom:1px solid var(--border);padding:16px 20px;z-index:499;box-shadow:var(--shadow-lg);flex-direction:column;gap:4px;}
.mobile-menu.open{display:flex;}
.mobile-menu .nav-link{font-size:15px;padding:12px 14px;}
.mobile-menu .btn-nav{margin-top:8px;padding:13px;font-size:14px;text-align:center;border-radius:var(--r14);}

/* ── TICKER ── */
.ticker-bar{background:linear-gradient(90deg,var(--teal),#006B62);padding:8px 0;overflow:hidden;}
.ticker-in{display:flex;animation:mrq 30s linear infinite;white-space:nowrap;}
.ticker-in span{font-size:12px;color:rgba(255,255,255,0.9);padding:0 32px;border-right:1px solid rgba(255,255,255,0.2);font-weight:500;}
@keyframes mrq{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}

/* ── HERO ── */
.hero{background:linear-gradient(140deg,var(--ink) 0%,var(--ink3) 55%,#1A3346 100%);padding:80px 40px 0;position:relative;overflow:hidden;}
.hero-decor1{position:absolute;top:-120px;right:-120px;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(0,180,166,0.12) 0%,transparent 70%);pointer-events:none;}
.hero-decor2{position:absolute;bottom:-80px;left:-80px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(245,158,11,0.08) 0%,transparent 70%);pointer-events:none;}
.hero-inner{max-width:1100px;margin:0 auto;text-align:center;position:relative;z-index:1;}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,212,196,0.12);border:1px solid rgba(0,212,196,0.25);color:var(--teal2);font-size:11px;font-weight:600;padding:6px 18px;border-radius:var(--r99);margin-bottom:22px;letter-spacing:0.8px;text-transform:uppercase;}
.hero-eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--teal2);flex-shrink:0;}
.hero h2{font-size:52px;font-weight:900;color:var(--white);line-height:1.1;margin-bottom:18px;letter-spacing:-1px;font-family:'Manrope',sans-serif;}
.hero h2 em{color:transparent;font-style:normal;background:linear-gradient(90deg,var(--teal2),var(--amber2));-webkit-background-clip:text;background-clip:text;}
.hero p{font-size:17px;color:rgba(255,255,255,0.62);line-height:1.7;margin-bottom:36px;max-width:580px;margin-left:auto;margin-right:auto;font-weight:400;}
.hero-cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:56px;}
.btn-hero-primary{background:linear-gradient(135deg,var(--teal),var(--teal2));color:var(--ink);font-size:15px;font-weight:700;padding:15px 38px;border-radius:var(--r99);border:none;cursor:pointer;font-family:'Outfit',sans-serif;box-shadow:0 6px 24px rgba(0,180,166,0.45);transition:all 0.25s;}
.btn-hero-primary:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(0,180,166,0.55);}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);background:rgba(255,255,255,0.05);border-radius:20px 20px 0 0;padding:24px 10px;border:1px solid rgba(255,255,255,0.08);border-bottom:none;max-width:700px;margin:0 auto;}
.hst{text-align:center;padding:6px;border-right:1px solid rgba(255,255,255,0.07);}
.hst:last-child{border:none;}
.hst-n{font-size:28px;font-weight:800;color:var(--teal2);letter-spacing:-0.5px;}
.hst-l{font-size:11px;color:rgba(255,255,255,0.42);text-transform:uppercase;letter-spacing:0.5px;margin-top:4px;}

/* ── SECTIONS ── */
.sec{padding:80px 40px;}
.container{max-width:1100px;margin:0 auto;}
.sec-center{text-align:center;margin-bottom:48px;}
.chip{display:inline-block;background:var(--light);color:var(--teal);font-size:10px;font-weight:700;padding:5px 16px;border-radius:var(--r99);margin-bottom:12px;letter-spacing:0.8px;text-transform:uppercase;border:1px solid rgba(0,180,166,0.2);}
.sec-ttl{font-size:36px;font-weight:800;color:var(--ink);line-height:1.15;margin-bottom:10px;letter-spacing:-0.5px;}
.sec-ttl em{color:var(--teal);font-style:normal;}
.sec-sub{font-size:15px;color:var(--muted);line-height:1.65;max-width:480px;margin:0 auto;font-weight:400;}

/* ── ABOUT ── */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.about-visual{border-radius:24px;background:linear-gradient(135deg,var(--ink),var(--ink3),#1A4A46);height:360px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.about-visual::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 30% 40%,rgba(0,180,166,0.15),transparent 60%),radial-gradient(circle at 70% 70%,rgba(245,158,11,0.08),transparent 50%);}
.about-visual .emoji{font-size:90px;filter:drop-shadow(0 8px 20px rgba(0,0,0,0.4));position:relative;z-index:1;}
.about-visual .badge{position:absolute;bottom:20px;left:20px;background:var(--teal);color:var(--ink);font-size:11px;font-weight:700;padding:6px 14px;border-radius:var(--r99);z-index:2;}
.about-txt .label{font-size:11px;font-weight:700;color:var(--teal);text-transform:uppercase;letter-spacing:0.8px;margin-bottom:10px;display:block;}
.about-txt h3{font-size:26px;font-weight:800;color:var(--ink);margin-bottom:12px;line-height:1.2;letter-spacing:-0.3px;}
.about-txt p{font-size:14px;color:var(--muted);line-height:1.75;margin-bottom:14px;}
.trust-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;}
.trust-badge{display:flex;align-items:center;gap:6px;background:var(--white);border:1px solid var(--border);color:var(--ink);font-size:12px;font-weight:500;padding:7px 14px;border-radius:var(--r10);box-shadow:0 1px 6px rgba(10,15,30,0.05);}
.trust-badge .tick{color:var(--green);font-size:13px;}

/* ── SERVICES ── */
.srv-bg{background:linear-gradient(135deg,#F0FFF9 0%,#FFF8E6 50%,#F5F0FF 100%);}
.srv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.srv-card{border-radius:var(--r20);padding:24px;border:2px solid transparent;transition:all 0.3s;cursor:default;position:relative;overflow:hidden;}
.srv-card::before{content:'';position:absolute;top:0;left:0;right:0;height:5px;transition:height 0.3s;}
.srv-card:hover{transform:translateY(-6px);box-shadow:0 16px 48px rgba(10,15,30,0.15);}
.srv-card:hover::before{height:7px;}
.srv-ico{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:26px;margin-bottom:16px;}

/* Card 1 – Credits – Amber/Gold */
.srv-card.c1{background:linear-gradient(145deg,#FFFBEB,#FEF3C7);border-color:#F59E0B;}
.srv-card.c1::before{background:linear-gradient(90deg,#F59E0B,#FCD34D);}
.srv-card.c1 h4{color:#92400E;}
.srv-card.c1 p{color:#78350F;}
.ic1{background:linear-gradient(135deg,#F59E0B,#FCD34D);}

/* Card 2 – Housing – Teal/Green */
.srv-card.c2{background:linear-gradient(145deg,#ECFDF5,#D1FAE5);border-color:#10B981;}
.srv-card.c2::before{background:linear-gradient(90deg,#059669,#34D399);}
.srv-card.c2 h4{color:#065F46;}
.srv-card.c2 p{color:#064E3B;}
.ic2{background:linear-gradient(135deg,#10B981,#34D399);}

/* Card 3 – Chits – Rose/Pink */
.srv-card.c3{background:linear-gradient(145deg,#FFF1F2,#FFE4E6);border-color:#F43F5E;}
.srv-card.c3::before{background:linear-gradient(90deg,#E11D48,#FB7185);}
.srv-card.c3 h4{color:#9F1239;}
.srv-card.c3 p{color:#881337;}
.ic3{background:linear-gradient(135deg,#F43F5E,#FB7185);}

/* Card 4 – Fixed Deposits – Blue/Indigo */
.srv-card.c4{background:linear-gradient(145deg,#EEF2FF,#E0E7FF);border-color:#6366F1;}
.srv-card.c4::before{background:linear-gradient(90deg,#4F46E5,#818CF8);}
.srv-card.c4 h4{color:#3730A3;}
.srv-card.c4 p{color:#312E81;}
.ic4{background:linear-gradient(135deg,#6366F1,#818CF8);}

/* ── LOAN CALCULATOR ── */
.calc-sec{background:var(--white);padding:56px 40px;}
.calc-card{background:linear-gradient(135deg,var(--ink),var(--ink3));border-radius:24px;padding:36px 40px;max-width:1100px;margin:0 auto;color:var(--white);}
.calc-inner{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;}
.calc-left h3{font-size:28px;font-weight:800;margin-bottom:8px;letter-spacing:-0.3px;}
.calc-left p{font-size:14px;color:rgba(255,255,255,0.55);line-height:1.6;margin-bottom:24px;}
.calc-field{margin-bottom:18px;}
.calc-field label{font-size:12px;font-weight:600;color:rgba(255,255,255,0.65);display:block;margin-bottom:6px;text-transform:uppercase;letter-spacing:0.4px;}
.calc-slider-wrap{display:flex;align-items:center;gap:12px;}
.calc-slider{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:3px;background:rgba(255,255,255,0.2);outline:none;cursor:pointer;}
.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--teal2);cursor:pointer;box-shadow:0 2px 6px rgba(0,0,0,0.3);}
.calc-val{font-size:14px;font-weight:700;color:var(--teal2);min-width:80px;text-align:right;white-space:nowrap;}
.calc-right{background:rgba(255,255,255,0.06);border-radius:16px;padding:28px;border:1px solid rgba(255,255,255,0.1);}
.calc-result-title{font-size:12px;font-weight:600;color:rgba(255,255,255,0.5);text-transform:uppercase;letter-spacing:0.5px;margin-bottom:20px;}
.calc-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid rgba(255,255,255,0.07);}
.calc-row:last-child{border:none;margin-top:8px;}
.calc-row .lbl{font-size:13px;color:rgba(255,255,255,0.55);}
.calc-row .val{font-size:15px;font-weight:700;color:var(--white);}
.calc-row.total .val{font-size:22px;color:var(--teal2);}
.calc-apply-btn{width:100%;background:linear-gradient(135deg,var(--teal),var(--teal2));color:var(--ink);font-size:14px;font-weight:700;padding:13px;border-radius:var(--r10);border:none;cursor:pointer;font-family:'Outfit',sans-serif;margin-top:16px;transition:all 0.2s;}
.calc-apply-btn:hover{transform:translateY(-1px);}

/* ── STATS BAND ── */
.stats-band{background:linear-gradient(135deg,var(--ink) 0%,var(--ink3) 50%,#1A3A30 100%);padding:64px 40px;}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;max-width:1100px;margin:0 auto;}
.stat-box{background:rgba(255,255,255,0.06);border:1px solid rgba(0,212,196,0.15);border-radius:var(--r20);padding:28px 20px;text-align:center;transition:all 0.25s;}
.stat-box:hover{background:rgba(255,255,255,0.1);transform:translateY(-3px);}
.stat-box .ico{font-size:30px;margin-bottom:10px;}
.stat-box .num{font-size:22px;font-weight:800;color:var(--teal2);letter-spacing:-0.5px;line-height:1.2;}
.stat-box .lbl{font-size:12px;color:rgba(255,255,255,0.5);margin-top:6px;font-weight:500;line-height:1.4;}

/* ── HOW IT WORKS ── */
.how-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;}
.how-connector{position:absolute;top:32px;left:12%;right:12%;height:2px;background:linear-gradient(90deg,var(--teal),var(--teal2));z-index:0;opacity:0.25;}
.how-item{position:relative;z-index:1;text-align:center;padding:0 8px;}
.how-n{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--teal2));color:var(--ink);font-weight:800;font-size:18px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;box-shadow:0 4px 18px rgba(0,180,166,0.4);}
.how-item h4{font-size:15px;font-weight:700;color:var(--ink);margin-bottom:6px;}
.how-item p{font-size:13px;color:var(--muted);line-height:1.6;}

/* ── TESTIMONIALS ── */
.testi-bg{background:var(--white);}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.testi-card{background:var(--off);border-radius:var(--r20);padding:24px;border:1px solid var(--border);transition:all 0.25s;}
.testi-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);}
.stars{color:var(--amber);font-size:15px;letter-spacing:3px;margin-bottom:12px;}
.testi-card blockquote{font-size:13px;color:var(--muted);line-height:1.75;margin-bottom:16px;font-style:italic;}
.testi-auth{display:flex;align-items:center;gap:12px;}
.testi-ava{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;}
.testi-info h5{font-size:13px;font-weight:700;color:var(--ink);}
.testi-info p{font-size:11px;color:var(--muted);margin:0;}

/* ── FAQ ── */
.faq-sec{background:var(--off);}
.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:10px;}
.faq-item{background:var(--white);border-radius:var(--r14);border:1px solid var(--border);overflow:hidden;transition:all 0.2s;}
.faq-item.open{box-shadow:var(--shadow);}
.faq-q{padding:18px 22px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;gap:12px;}
.faq-q h4{font-size:14px;font-weight:600;color:var(--ink);flex:1;}
.faq-icon{width:28px;height:28px;border-radius:50%;background:var(--light);display:flex;align-items:center;justify-content:center;font-size:14px;color:var(--teal);font-weight:700;flex-shrink:0;transition:all 0.3s;}
.faq-item.open .faq-icon{background:var(--teal);color:var(--white);transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height 0.35s ease,padding 0.2s;}
.faq-a.open{max-height:300px;padding:0 22px 18px;}
.faq-a p{font-size:13px;color:var(--muted);line-height:1.7;}

/* ── BIG CTA ── */
.cta-wrap{padding:0 40px 80px;}
.big-cta{max-width:1100px;margin:0 auto;background:linear-gradient(135deg,var(--ink) 0%,var(--ink3) 40%,#0D3030 100%);border-radius:28px;padding:64px 48px;text-align:center;position:relative;overflow:hidden;border:1px solid rgba(0,180,166,0.15);}
.big-cta::before{content:'';position:absolute;top:-80px;right:-80px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(0,180,166,0.1),transparent 70%);}
.big-cta::after{content:'';position:absolute;bottom:-60px;left:-60px;width:240px;height:240px;border-radius:50%;background:radial-gradient(circle,rgba(245,158,11,0.07),transparent 70%);}
.big-cta h3{font-size:38px;font-weight:900;color:var(--white);margin-bottom:10px;letter-spacing:-0.5px;position:relative;z-index:1;}
.big-cta p{font-size:16px;color:rgba(255,255,255,0.6);line-height:1.65;margin-bottom:30px;max-width:520px;margin-left:auto;margin-right:auto;position:relative;z-index:1;}
.btn-cta-white{background:linear-gradient(135deg,var(--teal),var(--teal2));color:var(--ink);font-size:16px;font-weight:700;padding:16px 44px;border-radius:var(--r99);border:none;cursor:pointer;font-family:'Outfit',sans-serif;box-shadow:0 6px 24px rgba(0,180,166,0.4);transition:all 0.25s;position:relative;z-index:1;}
.btn-cta-white:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(0,180,166,0.5);}

/* ── FOOTER ── */
footer{background:var(--ink);border-top:1px solid rgba(255,255,255,0.06);}
.footer-main{max-width:1200px;margin:0 auto;padding:48px 40px 32px;display:grid;grid-template-columns:2fr 1fr 1fr 1.6fr;gap:40px;}
.footer-brand .flogo-row{display:flex;align-items:center;gap:12px;margin-bottom:14px;}
.footer-brand .flogo{width:52px;height:52px;border-radius:12px;overflow:hidden;background:var(--white);flex-shrink:0;}
.footer-brand .flogo img{width:100%;height:100%;object-fit:contain;}
.footer-brand .fnames h4{font-size:14px;font-weight:700;color:var(--white);line-height:1.3;}
.footer-brand .fnames p{font-size:10px;color:rgba(255,255,255,0.3);margin-top:2px;}
.footer-brand .fdesc{font-size:12px;color:rgba(255,255,255,0.38);line-height:1.75;margin-bottom:20px;}
.social-row{display:flex;gap:10px;flex-wrap:wrap;}
.sicon{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.1);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.5);cursor:pointer;transition:all 0.2s;text-decoration:none;flex-shrink:0;}
.sicon:hover{background:var(--teal);border-color:var(--teal);color:var(--ink);}
.fcol h5{font-size:11px;font-weight:700;color:rgba(255,255,255,0.55);margin-bottom:16px;letter-spacing:0.8px;text-transform:uppercase;}
.fcol a{display:block;font-size:13px;color:rgba(255,255,255,0.35);text-decoration:none;margin-bottom:10px;cursor:pointer;transition:color 0.2s;}
.fcol a:hover{color:var(--teal2);}
.fcontact-item{display:flex;gap:10px;margin-bottom:14px;align-items:flex-start;}
.fcontact-item .fci{font-size:14px;color:var(--teal2);margin-top:1px;flex-shrink:0;}
.fcontact-item p{font-size:12px;color:rgba(255,255,255,0.4);line-height:1.65;}
.fcontact-item a{color:var(--teal2);text-decoration:none;font-size:12px;}
.footer-bottom-bar{border-top:1px solid rgba(255,255,255,0.07);background:rgba(0,0,0,0.2);}
.footer-bottom-inner{max-width:1200px;margin:0 auto;padding:16px 40px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.footer-bottom-inner .copy{font-size:11px;color:rgba(255,255,255,0.22);}
.footer-bottom-links{display:flex;gap:16px;align-items:center;flex-wrap:wrap;}
.footer-bottom-links a{font-size:11px;color:rgba(255,255,255,0.25);text-decoration:none;cursor:pointer;transition:color 0.2s;}
.footer-bottom-links a:hover{color:var(--teal2);}
.footer-bottom-inner .regn{font-size:11px;color:rgba(255,255,255,0.18);}

/* ── FORM PAGE ── */
.form-nav{background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);padding:0 40px;display:flex;align-items:center;gap:14px;height:64px;position:sticky;top:0;z-index:500;box-shadow:0 1px 16px rgba(10,15,30,0.07);}
.form-back{width:38px;height:38px;border-radius:50%;background:var(--off);border:1.5px solid var(--border);cursor:pointer;font-size:18px;color:var(--ink);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all 0.2s;}
.form-back:hover{background:var(--light);border-color:var(--teal);}
.form-nav-logo{width:38px;height:38px;border-radius:8px;overflow:hidden;background:var(--white);flex-shrink:0;}
.form-nav-logo img{width:100%;height:100%;object-fit:contain;}
.form-nav-txt{flex:1;min-width:0;}
.form-nav-txt h2{font-size:15px;font-weight:700;color:var(--ink);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
.form-nav-txt p{font-size:10px;color:var(--muted);}
.prog-wrap{height:3px;background:var(--off);}
.prog-bar{height:100%;background:linear-gradient(90deg,var(--teal),var(--teal2));width:0%;transition:width 0.35s;border-radius:0 2px 2px 0;}
.prog-label{text-align:right;padding:6px 40px 0;font-size:11px;font-weight:600;color:var(--teal);background:var(--off);}
.form-body{max-width:860px;margin:0 auto;padding:24px 40px;}
.form-section{background:var(--white);border-radius:var(--r20);border:1px solid var(--border);margin-bottom:16px;overflow:hidden;box-shadow:0 1px 8px rgba(10,15,30,0.04);}
.form-section-header{padding:16px 22px;background:linear-gradient(135deg,var(--ink),var(--ink3));display:flex;align-items:center;gap:10px;}
.form-section-header .sec-ico{font-size:18px;}
.form-section-header h3{font-size:13px;font-weight:700;color:var(--white);}
.form-section-header p{font-size:10px;color:rgba(255,255,255,0.45);margin-top:1px;}
.form-fields{padding:20px 22px;}
.field{margin-bottom:16px;}
.field:last-child{margin-bottom:0;}
.field label{display:block;margin-bottom:6px;font-size:13px;font-weight:600;color:var(--ink);}
.field label .kan{display:block;font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--teal);font-weight:400;margin-top:1px;}
.req{color:var(--red);}
.fi{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:var(--r10);font-size:14px;font-family:'Outfit',sans-serif;background:var(--off);color:var(--ink);outline:none;transition:all 0.2s;}
.fi::placeholder{color:#9AADBA;font-size:13px;}
.fi:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(0,180,166,0.12);background:var(--white);}
textarea.fi{resize:vertical;min-height:82px;line-height:1.55;}
select.fi{appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath fill='%235B6B82' d='M6 8L0 0h12z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:36px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.hint{font-size:11px;color:var(--muted);margin-top:5px;display:block;}
.hint .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;}
.occ-pills{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:6px;}
.pill{background:var(--off);border:1.5px solid var(--border);border-radius:var(--r10);padding:12px 8px;text-align:center;cursor:pointer;transition:all 0.2s;}
.pill .pill-en{font-size:13px;font-weight:600;color:var(--ink);display:block;margin-top:6px;}
.pill .pill-kan{font-family:'Noto Sans Kannada',sans-serif;font-size:9px;color:var(--muted);display:block;margin-top:2px;}
.pill .pill-ico{font-size:22px;}
.pill.sel{border-color:var(--teal);background:var(--light);box-shadow:0 0 0 3px rgba(0,180,166,0.12);}
.pill.sel .pill-en{color:var(--teal);}
.income-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.income-item label{font-size:13px;font-weight:600;color:var(--ink);display:block;margin-bottom:6px;}
.income-item label .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--teal);display:block;font-weight:400;}
.fi-prefix-wrap{display:flex;}
.fi-prefix{font-size:14px;font-weight:600;color:var(--muted);padding:11px 14px;background:var(--border);border:1.5px solid var(--border);border-right:none;border-radius:var(--r10) 0 0 var(--r10);}
.fi-with-prefix{border-radius:0 var(--r10) var(--r10) 0!important;border-left:none!important;}
.upload-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
.upload-item label{font-size:13px;font-weight:600;color:var(--ink);display:block;margin-bottom:6px;}
.upload-item label .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--teal);display:block;font-weight:400;}
.drop-zone{border:2px dashed rgba(0,180,166,0.35);border-radius:var(--r14);padding:20px 14px;text-align:center;cursor:pointer;background:var(--off);position:relative;transition:all 0.25s;}
.drop-zone:hover{border-color:var(--teal);background:var(--light);}
.drop-zone.done{border-color:var(--green);background:#F0FDF8;border-style:solid;}
.drop-zone input{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%;}
.drop-zone .dz-ico{font-size:28px;margin-bottom:6px;}
.drop-zone .dz-text strong{font-size:12px;color:var(--ink);display:block;margin-bottom:2px;}
.drop-zone .dz-text{font-size:11px;color:var(--muted);}
.dz-fmt{font-size:9px;color:#9AADBA;margin-top:4px;}
.file-chip{display:none;align-items:center;gap:8px;background:var(--white);border-radius:var(--r10);border:1px solid #B2EDD4;padding:8px 12px;margin-top:8px;}
.file-chip.show{display:flex;}
.fname{font-size:11px;font-weight:600;color:var(--ink);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;flex:1;min-width:0;}
.fsize{font-size:10px;color:var(--muted);}
.frm{background:none;border:none;color:var(--red);font-size:16px;cursor:pointer;padding:0 2px;flex-shrink:0;}
.sig-wrap{border:1.5px solid var(--border);border-radius:var(--r14);overflow:hidden;}
.sig-toolbar{background:var(--off);border-bottom:1px solid var(--border);padding:10px 16px;display:flex;justify-content:space-between;align-items:center;}
.sig-toolbar .sig-hint{font-size:12px;color:var(--muted);}
.sig-toolbar .sig-hint .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--teal);}
.clr-btn{background:none;border:1.5px solid var(--border);color:var(--muted);font-size:11px;font-weight:600;padding:5px 14px;border-radius:var(--r10);cursor:pointer;font-family:'Outfit',sans-serif;transition:all 0.2s;}
.clr-btn:hover{border-color:var(--teal);color:var(--teal);}
#sigC{display:block;width:100%;height:150px;touch-action:none;cursor:crosshair;background:var(--white);}
.sig-foot{font-size:11px;color:var(--muted);margin-top:8px;}
.sig-foot .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--teal);}
.decl-box{background:var(--off);border:1px solid var(--border);border-radius:var(--r14);padding:18px;font-size:13px;color:var(--muted);line-height:1.8;margin-bottom:14px;}
.decl-box .dk{font-family:'Noto Sans Kannada',sans-serif;font-size:11px;color:var(--ink);display:block;margin-bottom:8px;line-height:1.6;}
.chk-row{display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;}
.chk-row input{width:16px;height:16px;margin-top:3px;accent-color:var(--teal);flex-shrink:0;cursor:pointer;}
.chk-row label{font-size:13px;color:var(--ink);line-height:1.55;cursor:pointer;}
.chk-row label .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--muted);display:block;margin-top:2px;}
.sbmt-bar{padding:18px 40px;background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);border-top:1px solid var(--border);position:sticky;bottom:0;z-index:400;box-shadow:0 -4px 24px rgba(10,15,30,0.08);}
.sbmt-inner{max-width:860px;margin:0 auto;display:flex;align-items:center;gap:16px;flex-wrap:wrap;}
.btn-sub{flex:1;min-width:200px;background:linear-gradient(135deg,var(--teal),var(--teal2));color:var(--ink);font-family:'Outfit',sans-serif;font-size:16px;font-weight:800;padding:15px;border-radius:var(--r14);border:none;cursor:pointer;box-shadow:0 4px 18px rgba(0,180,166,0.35);transition:all 0.25s;}
.btn-sub:hover{transform:translateY(-1px);box-shadow:0 6px 24px rgba(0,180,166,0.45);}
.sbmt-note{font-size:12px;color:var(--muted);}
.sbmt-note .kan{font-family:'Noto Sans Kannada',sans-serif;font-size:10px;color:var(--teal);display:block;}

/* ── SUCCESS ── */
#success-pg{min-height:100vh;background:var(--off);flex-direction:column;align-items:center;justify-content:center;padding:60px 24px;text-align:center;}
.ok-ring{width:90px;height:90px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--green));display:flex;align-items:center;justify-content:center;font-size:40px;margin:0 auto 24px;box-shadow:0 10px 36px rgba(0,180,166,0.4);}
.ok-title{font-size:32px;font-weight:900;color:var(--ink);margin-bottom:8px;letter-spacing:-0.5px;}
.ok-sub{font-size:15px;color:var(--muted);line-height:1.7;max-width:440px;margin:0 auto 30px;}
.ref-card{background:var(--white);border:2px dashed rgba(0,180,166,0.4);border-radius:var(--r20);padding:18px 36px;margin-bottom:28px;display:inline-block;box-shadow:var(--shadow);}
.ref-card p{font-size:11px;color:var(--muted);margin-bottom:6px;font-weight:500;text-transform:uppercase;letter-spacing:0.5px;}
.ref-card .rnum{font-size:28px;font-weight:900;color:var(--ink);letter-spacing:-0.5px;}
.btn-ok{background:linear-gradient(135deg,var(--ink),var(--ink3));color:var(--white);font-size:14px;font-weight:700;padding:14px 38px;border-radius:var(--r99);border:none;cursor:pointer;font-family:'Outfit',sans-serif;transition:all 0.2s;box-shadow:0 4px 16px rgba(10,15,30,0.25);}
.btn-ok:hover{transform:translateY(-1px);}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  .footer-main{grid-template-columns:1.6fr 1fr 1fr 1.4fr;gap:24px;padding:40px 24px 28px;}
  .footer-bottom-inner{padding:14px 24px;}
}
@media(max-width:900px){
  nav{padding:0 24px;}
  .hero,.sec,.calc-sec,.stats-band,.cta-wrap{padding-left:24px;padding-right:24px;}
  .footer-main{grid-template-columns:1fr 1fr;gap:24px;padding:36px 24px 24px;}
  .footer-brand{grid-column:1/-1;}
  .footer-bottom-inner{padding:14px 24px;}
  .form-body{padding:20px 24px;}
  .sbmt-bar{padding:14px 24px;}
  .prog-label{padding-right:24px;}
  .about-grid{grid-template-columns:1fr;gap:32px;}
  .about-visual{height:220px;}
  .about-visual .emoji{font-size:64px;}
  .srv-grid{grid-template-columns:repeat(2,1fr);}
  .stats-grid{grid-template-columns:repeat(2,1fr);}
  .how-grid{grid-template-columns:repeat(2,1fr);gap:28px;}
  .how-connector{display:none;}
  .testi-grid{grid-template-columns:1fr 1fr;}
  .calc-inner{grid-template-columns:1fr;}
  .calc-card{padding:28px 24px;}
}
@media(max-width:768px){
  nav{padding:0 18px;height:62px;}
  .nav-links{display:none;}
  .hamburger{display:flex;}
  .mobile-menu{top:62px;}
  .nav-brand{flex:1;}
  .nav-title{flex:1;text-align:center;}
  .nav-logo{width:56px;height:56px;}
  .hero{padding:48px 18px 0;}
  .hero h2{font-size:34px;}
  .sec{padding:48px 18px;}
  .sec-ttl{font-size:26px;}
  .stats-band{padding:48px 18px;}
  .calc-sec{padding:40px 18px;}
  .cta-wrap{padding:0 18px 48px;}
  .big-cta{padding:36px 22px;border-radius:var(--r20);}
  .big-cta h3{font-size:26px;}
  .footer-main{grid-template-columns:1fr 1fr;gap:20px;padding:28px 18px 20px;}
  .footer-brand{grid-column:1/-1;}
  .fnames h4{font-size:13px;}
  .footer-bottom-inner{padding:12px 18px;flex-direction:column;align-items:flex-start;gap:8px;}
  .footer-bottom-links{gap:10px;flex-wrap:wrap;}
  .copy,.regn{font-size:10px;}
  .form-nav{padding:0 16px;gap:10px;height:58px;}
  .form-nav-txt h2{font-size:13px;}
  .form-nav-txt p{display:none;}
  .form-body{padding:14px 16px;}
  .sbmt-bar{padding:12px 16px;}
  .sbmt-inner{flex-direction:column;gap:8px;}
  .upload-grid{grid-template-columns:1fr;}
  .field-row{grid-template-columns:1fr;}
  .income-row{grid-template-columns:1fr;}
  .prog-label{padding:6px 16px 0;}
}
@media(max-width:540px){
  .footer-main{grid-template-columns:1fr;gap:20px;}
  .footer-brand{grid-column:unset;}
  .testi-grid{grid-template-columns:1fr;}
  .srv-grid{grid-template-columns:1fr 1fr;gap:12px;}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .occ-pills{grid-template-columns:1fr 1fr;}
  .hero h2{font-size:28px;}
  .hst-n{font-size:20px;}
  .footer-bottom-inner{flex-direction:column;gap:6px;}
}
@media(max-width:380px){
  .srv-grid{grid-template-columns:1fr;}
  .occ-pills{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr;}
  .how-grid{grid-template-columns:1fr;}
  .hero h2{font-size:24px;}
}