/* White Rocks Financial — premium fintech theme shared by every page (load after styles.css).
   body.premium = shared tokens/nav/buttons/forms/footer; body.home = home-page sections; pages.css = inner pages. */
body.premium{
  --bg:#050913; --bg-2:#081024; --bg-3:#0B1630;
  --glass:rgba(255,255,255,.035); --glass-2:rgba(255,255,255,.065);
  --line:rgba(255,255,255,.08); --line-2:rgba(255,255,255,.15);
  --ink:#EEF3FF; --muted:#A6B3CC; --dim:#8290AD;
  --brand:#4F8CFF; --brand-2:#22D3EE; --brand-3:#8B5CF6; --ok:#34D399;
  --grad-text:linear-gradient(120deg,#8AB8FF 0%,#4F8CFF 40%,#22D3EE 100%);
  --btn-grad:linear-gradient(135deg,#2563EB 0%,#4F46E5 100%);
  --text-mid:var(--muted); --text-light:var(--dim); --border:var(--line);
  --r:18px;
  background:var(--bg);color:var(--ink);font-family:'Inter',system-ui,sans-serif;font-size:16px;
}
body.premium ::selection{background:rgba(79,140,255,.35);color:#fff}
body.premium h1,body.premium h2,body.premium h3,body.premium h4,body.premium h5{font-family:'Sora','Inter',sans-serif;color:var(--ink);letter-spacing:-.02em}
body.premium h2{font-weight:600;font-size:clamp(2rem,3.8vw,3rem);line-height:1.1}
body.premium h3{font-weight:600}
body.home section{position:relative;padding:110px 6%;background:var(--bg)}
body.home section.alt{background:var(--bg-2)}
body.home section.alt::before,body.home section.alt::after{content:"";position:absolute;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(124,170,255,.25),transparent)}
body.home section.alt::before{top:0}
body.home section.alt::after{bottom:0}
.grad-text{background:var(--grad-text);-webkit-background-clip:text;background-clip:text;color:transparent}

/* eyebrow pill */
body.premium .eyebrow{gap:8px;font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:#7DD3FC;padding:7px 14px;border:1px solid rgba(125,211,252,.22);border-radius:999px;background:rgba(34,211,238,.06);margin-bottom:20px}
body.premium .eyebrow::before{width:6px;height:6px;border-radius:50%;background:var(--brand-2);box-shadow:0 0 10px var(--brand-2)}
body.premium .section-head{max-width:720px;margin-bottom:60px}
body.premium .section-head p,body.premium .blog-header p{color:var(--muted);font-size:1.08rem}
body.premium .blog-header h2{color:var(--ink)}

/* reveal on scroll (only when JS runs) */
.js body.premium .reveal{opacity:0;translate:0 28px;transition:opacity .8s ease var(--d,0s),translate .8s cubic-bezier(.2,.7,.2,1) var(--d,0s),transform .15s ease-out,border-color .3s,box-shadow .3s}
.js body.premium .reveal.visible{opacity:1;translate:0 0}
body.premium .delay-1{--d:.08s} body.premium .delay-2{--d:.16s} body.premium .delay-3{--d:.24s} body.premium .delay-4{--d:.32s} body.premium .delay-5{--d:.4s}

/* preloader */
body.premium #preloader{background:var(--bg)}
body.premium .loader-name{font-family:'Sora',sans-serif;font-weight:600;letter-spacing:-.02em}
body.premium .loader-sub{color:var(--muted)}
body.premium .loader-bar{background:linear-gradient(90deg,var(--brand),var(--brand-2) 40%,transparent 40%) 0 0/200% 100%}

/* buttons */
body.premium .btn{border-radius:12px;padding:15px 28px;font-weight:600;transition:transform .2s,box-shadow .2s,background .2s}
body.premium .btn-gold{background:var(--btn-grad);box-shadow:0 10px 30px rgba(37,99,235,.45),inset 0 1px 0 rgba(255,255,255,.2)}
body.premium .btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 40px rgba(37,99,235,.55),inset 0 1px 0 rgba(255,255,255,.2)}
body.premium .btn-ghost{border:1px solid var(--line-2);background:rgba(255,255,255,.04);backdrop-filter:blur(8px)}
body.premium .btn-ghost:hover{background:rgba(255,255,255,.09)}
body.premium .wr-btn{border-radius:10px!important;font-weight:600}
body.premium .svc-card a.wr-btn-outline,body.premium a.wr-btn-outline{background:rgba(255,255,255,.04)!important;border:1px solid var(--line-2)!important;color:var(--ink)!important}
body.premium .svc-card a.wr-btn-outline:hover{background:rgba(255,255,255,.09)!important}
body.premium .svc-card a.wr-btn-primary,body.premium a.wr-btn-primary{background:var(--btn-grad)!important;border:0!important;color:#fff!important;box-shadow:0 8px 22px rgba(37,99,235,.35)}

/* nav */
body.premium #nav{top:14px;left:50%;right:auto;transform:translateX(-50%);width:min(1240px,calc(100% - 28px));padding:10px 12px 10px 18px;border-radius:16px;border:1px solid transparent;transition:background .3s,border-color .3s,box-shadow .3s}
body.premium #nav.scrolled,body.premium #nav.open{background:rgba(8,14,32,.72);backdrop-filter:blur(18px) saturate(150%);-webkit-backdrop-filter:blur(18px) saturate(150%);border-color:var(--line);box-shadow:0 20px 50px rgba(0,0,0,.4)}
body.premium .brand-mark{width:44px;height:44px;border-radius:12px;box-shadow:0 8px 22px rgba(214,168,79,.22);transition:transform .3s}
body.premium .logo:hover .brand-mark{transform:rotate(-6deg) scale(1.05)}
body.premium .logo{gap:12px}
body.premium .logo-name,body.premium #nav.scrolled .logo-name{font-family:'Sora',sans-serif;font-weight:600;font-size:1.12rem;color:#fff;letter-spacing:.06em;text-transform:uppercase}
body.premium .logo-tag,body.premium #nav.scrolled .logo-tag{color:#9FB3D6;font-size:.6rem;font-weight:500;letter-spacing:.24em;text-transform:uppercase;margin-top:2px}
body.premium .footer-logo img{width:46px;height:46px;border-radius:13px}
.loader-mark{width:84px;height:84px;margin:0 auto 18px;border-radius:22px;box-shadow:0 14px 40px rgba(214,168,79,.3);animation:markPulse 1.6s ease-in-out infinite}
@keyframes markPulse{50%{transform:scale(1.06);box-shadow:0 18px 50px rgba(214,168,79,.45)}}
body.premium .nav-list{gap:4px}
body.premium .nav-link,body.premium #nav.scrolled .nav-link{display:block;padding:8px 14px;border-radius:10px;color:var(--muted);font-size:.92rem;transition:color .2s,background .2s}
body.premium .nav-link:hover,body.premium #nav.scrolled .nav-link:hover{color:#fff;background:rgba(255,255,255,.06)}
body.premium .logo-name,body.premium .nav-cta{white-space:nowrap}
body.premium .nav-cta{background:var(--btn-grad);border-radius:11px;padding:10px 20px;font-weight:600;box-shadow:0 8px 24px rgba(37,99,235,.4)}
.nav-toggle{display:none;width:42px;height:42px;border-radius:11px;border:1px solid var(--line-2);background:rgba(255,255,255,.04);cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.nav-toggle span{display:block;width:18px;height:1.5px;background:#fff;border-radius:2px;transition:transform .25s}
#nav.open .nav-toggle span:first-child{transform:translateY(3.25px) rotate(45deg)}
#nav.open .nav-toggle span:last-child{transform:translateY(-3.25px) rotate(-45deg)}

/* hero */
body.premium .hero{display:block;min-height:100vh;padding:150px 6% 70px;background:var(--bg);overflow:hidden}
body.premium .hero-bg{background:
  radial-gradient(55% 55% at 76% 40%,rgba(79,140,255,.22),transparent 70%),
  radial-gradient(40% 45% at 8% 12%,rgba(139,92,246,.16),transparent 70%),
  radial-gradient(50% 40% at 50% 105%,rgba(34,211,238,.12),transparent 70%),var(--bg)}
body.premium .hero-grid-lines{background-image:linear-gradient(rgba(124,170,255,.09) 1px,transparent 1px),linear-gradient(90deg,rgba(124,170,255,.09) 1px,transparent 1px);top:52%}
body.premium .hero-content-grid{grid-template-columns:1fr 1.05fr;gap:40px;min-height:calc(100vh - 330px)}
body.premium .hero-h1{font-family:'Sora',sans-serif;font-weight:600;font-size:clamp(2.6rem,5.2vw,4.5rem);line-height:1.04;letter-spacing:-.04em;text-shadow:none;margin-top:4px}
body.premium .hero-p{color:var(--muted);font-size:1.18rem;line-height:1.65;max-width:520px;margin-top:26px}
body.premium .hero .btn-group{margin-top:36px}
.hero-pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;border-radius:999px;border:1px solid var(--line-2);background:rgba(255,255,255,.04);backdrop-filter:blur(8px);font-size:.85rem;color:var(--muted);margin-bottom:26px}
.hero-pill b{padding:3px 10px;border-radius:999px;background:var(--btn-grad);color:#fff;font-weight:600;font-size:.75rem;letter-spacing:.04em}
.hero-visual{position:relative;width:100%;max-width:620px;aspect-ratio:1/1;margin-left:auto}
#hero3d{position:absolute;inset:-6%;width:112%;height:112%;opacity:0;transition:opacity 1.2s ease}
#hero3d.ready{opacity:1}
.hero-visual .globe{display:none;top:50%;left:50%;right:auto;width:62%;height:62%;margin:-31% 0 0 -31%}
.hero-visual.no-webgl .globe{display:block}
.chip{position:absolute;z-index:3;display:flex;align-items:center;gap:12px;padding:12px 16px 12px 12px;border-radius:16px;background:rgba(12,22,48,.55);border:1px solid var(--line-2);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);box-shadow:0 24px 50px rgba(0,0,0,.45),inset 0 1px 0 rgba(255,255,255,.08);font-size:.86rem;color:var(--ink);animation:bob 7s ease-in-out infinite;white-space:nowrap}
.chip small{display:block;color:var(--muted);font-size:.72rem;margin-bottom:1px}
.chip strong{font-family:'Sora',sans-serif;font-weight:600;font-size:1.05rem;font-variant-numeric:tabular-nums}
.chip-ico{flex:none;width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:linear-gradient(135deg,rgba(79,140,255,.3),rgba(34,211,238,.12));border:1px solid rgba(124,170,255,.3)}
.chip-ico svg{width:18px;height:18px;fill:none;stroke:#BFD6FF;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.chip-a{top:9%;left:-2%}
.chip-b{top:47%;right:-4%;animation-delay:-2.4s}
.chip-c{bottom:7%;left:8%;animation-delay:-4.6s}
.chip-c .chip-ico{background:linear-gradient(135deg,rgba(52,211,153,.3),rgba(52,211,153,.08));border-color:rgba(52,211,153,.35)}
.chip-c .chip-ico svg{stroke:#6EE7B7}
.hero-stats{position:relative;z-index:2;max-width:1180px;margin:48px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:20px;background:rgba(255,255,255,.03);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);overflow:hidden}
.hero-stat{padding:22px 26px;border-left:1px solid var(--line)}
.hero-stat:first-child{border-left:0}
.stat-k{font-family:'Sora',sans-serif;font-weight:600;font-size:1.55rem;letter-spacing:-.02em;background:var(--grad-text);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat-l{color:var(--muted);font-size:.86rem;margin-top:2px}

/* tapes */
body.premium .tv-tape{background:var(--bg-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
body.premium .ticker-wrap{background:var(--bg);border-top:0;border-bottom:1px solid var(--line)}
body.premium .ticker-item{color:var(--muted);font-size:.86rem;letter-spacing:.02em}
body.premium .ticker-item::after{background:var(--brand-2);box-shadow:0 0 8px var(--brand-2)}

/* EMI calculator */
.calc-card{display:grid;grid-template-columns:1.1fr .9fr;max-width:1080px;margin:0 auto;border-radius:24px;border:1px solid var(--line-2);background:linear-gradient(180deg,rgba(255,255,255,.05),rgba(255,255,255,.015));box-shadow:0 40px 90px rgba(0,0,0,.45),inset 0 1px 0 rgba(255,255,255,.07);overflow:hidden}
.calc-inputs{padding:38px}
.calc-output{padding:38px;background:radial-gradient(80% 60% at 50% 0%,rgba(79,140,255,.16),transparent 70%),rgba(255,255,255,.02);border-left:1px solid var(--line);display:flex;flex-direction:column}
body.premium .hero-card-header{margin-bottom:28px}
body.premium .hero-card-header h3{font-size:1.15rem}
body.premium .hero-card-icon{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,rgba(79,140,255,.25),rgba(34,211,238,.1));border:1px solid rgba(124,170,255,.3)}
body.premium .hero-card-icon svg{stroke:#BFD6FF}
body.premium .calc-row{margin-bottom:24px;display:grid;grid-template-columns:1fr auto;align-items:end;column-gap:12px}
body.premium .calc-row .calc-slider,body.premium .calc-row .calc-input-wrapper{grid-column:1/-1}
body.premium .calc-label{color:var(--muted);font-weight:500}
body.premium .calc-value{font-family:'Sora',sans-serif;font-weight:600;font-size:1.25rem;margin:0;color:#fff}
body.premium .calc-slider{-webkit-appearance:none;appearance:none;height:6px;border-radius:999px;margin:14px 0 10px;background:linear-gradient(90deg,#4F8CFF 0%,#22D3EE var(--p,50%),rgba(255,255,255,.1) var(--p,50%));cursor:pointer}
body.premium .calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:4px solid #3B82F6;box-shadow:0 0 0 6px rgba(79,140,255,.18),0 4px 12px rgba(0,0,0,.4)}
body.premium .calc-slider::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:4px solid #3B82F6;box-shadow:0 0 0 6px rgba(79,140,255,.18)}
body.premium .calc-input-note{color:var(--dim);font-size:.72rem}
body.premium .calc-result-label{color:var(--muted);font-weight:500}
body.premium .calc-result-num{font-family:'Sora',sans-serif;font-weight:600;font-size:clamp(2.4rem,4vw,3.2rem);letter-spacing:-.03em;color:#fff;margin:6px 0 2px}
body.premium .calc-result-sub{color:var(--dim)}
.donut-row{display:flex;align-items:center;gap:22px;margin:24px 0 6px}
.donut-wrap{position:relative;width:132px;height:132px;flex:none}
.donut{width:100%;height:100%;transform:rotate(-90deg)}
.donut circle{fill:none;stroke-width:14}
.donut-track{stroke:rgba(139,92,246,.55)}
.donut-val{stroke:url(#donutGrad);stroke-linecap:round;stroke-dasharray:0 352;transition:stroke-dasharray .6s cubic-bezier(.2,.7,.2,1)}
.donut-center{position:absolute;inset:0;display:grid;place-content:center;text-align:center}
.donut-center strong{font-family:'Sora',sans-serif;font-size:1.35rem;font-weight:600;color:#fff}
.donut-center span{font-size:.7rem;color:var(--muted)}
.legend{display:grid;gap:10px;font-size:.88rem;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:8px;vertical-align:middle}
.lg-p{background:linear-gradient(135deg,#4F8CFF,#22D3EE)} .lg-i{background:rgba(139,92,246,.75)}
body.premium .calc-breakdown{border-top:1px solid var(--line);margin:20px 0 24px}
body.premium .calc-bd-val{color:#fff;font-family:'Sora',sans-serif;font-weight:600}
body.premium .calc-btn{margin-top:auto;background:var(--btn-grad);border-radius:12px;padding:15px;font-weight:600;box-shadow:0 10px 28px rgba(37,99,235,.45);transition:transform .2s}
body.premium .calc-btn:hover{background:var(--btn-grad);transform:translateY(-2px)}

/* inputs (calculator, eligibility, contact) */
body.premium .calc-input,body.premium .form-field input,body.premium .form-field select,body.premium .cf-field input,body.premium .cf-field select,body.premium .cf-field textarea{background:rgba(255,255,255,.04);border:1px solid var(--line-2);border-radius:12px;color:var(--ink);padding:12px 14px;transition:border-color .2s,box-shadow .2s,background .2s}
body.premium input::placeholder,body.premium textarea::placeholder{color:#5F6D8A}
body.premium select option{background:#0B1630;color:#fff}
body.premium .calc-input:focus,body.premium .form-field input:focus,body.premium .form-field select:focus,body.premium .cf-field input:focus,body.premium .cf-field select:focus,body.premium .cf-field textarea:focus{border-color:#4F8CFF;background:rgba(79,140,255,.06);box-shadow:0 0 0 4px rgba(79,140,255,.18)}
body.premium .form-field label,body.premium .cf-field label{color:var(--muted);font-weight:500;font-size:.84rem}
body.premium input[type=checkbox]{accent-color:#4F8CFF}
body.premium .form-submit,body.premium .cf-submit{background:var(--btn-grad);border-radius:12px;padding:15px 28px;font-weight:600;box-shadow:0 10px 28px rgba(37,99,235,.4)}
body.premium .form-submit:hover{background:var(--btn-grad);filter:brightness(1.08)}

/* service cards */
body.premium .services-grid{gap:20px}
body.premium .svc-card{position:relative;overflow:hidden;display:flex;flex-direction:column;background:linear-gradient(180deg,rgba(255,255,255,.05),rgba(255,255,255,.012));border:1px solid var(--line);border-radius:var(--r);padding:30px;color:var(--ink)}
body.premium .svc-card::before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(380px circle at var(--mx,50%) var(--my,-30%),rgba(79,140,255,.17),transparent 50%);opacity:0;transition:opacity .35s}
body.premium .svc-card:hover::before{opacity:1}
body.premium .svc-card:hover,body.premium .blog-card:hover{border-color:rgba(124,170,255,.35)}
body.premium .tilt:hover{box-shadow:0 30px 60px rgba(0,0,0,.45)}
body.premium .svc-card>*{position:relative}
body.premium .svc-icon{width:52px;height:52px;border-radius:14px;margin-bottom:22px;background:linear-gradient(135deg,rgba(79,140,255,.25),rgba(34,211,238,.08));border:1px solid rgba(124,170,255,.3);box-shadow:inset 0 1px 0 rgba(255,255,255,.15),0 12px 28px rgba(37,99,235,.25)}
body.premium .svc-icon svg,body.premium .why-dot svg{stroke:#BFD6FF}
body.premium .svc-title{font-size:1.2rem;margin-bottom:10px}
body.premium .svc-desc{color:var(--muted)}
body.premium .svc-rate{background:rgba(34,211,238,.08);color:#67E8F9;border:1px solid rgba(34,211,238,.25);font-weight:600}
.card-body{flex:1}
.card-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}

/* why — 3D layered stack */
body.premium .why-grid{grid-template-columns:.9fr 1.1fr;gap:70px}
.stack-3d{position:relative;height:500px;perspective:1600px}
.stack-inner{position:absolute;inset:0;transform-style:preserve-3d;transform:rotateX(58deg) rotateZ(-36deg);animation:stackFloat 8s ease-in-out infinite}
.stack-floor{position:absolute;left:50%;top:54%;width:360px;height:360px;margin:-180px 0 0 -180px;border-radius:50%;background:radial-gradient(closest-side,rgba(79,140,255,.35),transparent);filter:blur(10px)}
.layer{position:absolute;left:50%;top:50%;width:270px;height:270px;margin:-135px 0 0 -135px;border-radius:30px;border:1px solid rgba(150,190,255,.38);background:linear-gradient(135deg,rgba(79,140,255,.24),rgba(139,92,246,.12));box-shadow:0 30px 70px rgba(0,0,0,.5),inset 0 1px 0 rgba(255,255,255,.18);transform:translateZ(calc(var(--i)*72px));transition:transform .7s cubic-bezier(.2,.7,.2,1);display:flex;flex-direction:column;justify-content:flex-end;padding:24px}
.layer:nth-child(3){background:linear-gradient(135deg,rgba(79,140,255,.3),rgba(34,211,238,.14))}
.layer:nth-child(4){background:linear-gradient(135deg,rgba(37,99,235,.55),rgba(79,70,229,.45));border-color:rgba(190,215,255,.5)}
.layer b{font-family:'Sora',sans-serif;font-size:.78rem;letter-spacing:.14em;color:#BFD6FF}
.layer span{font-family:'Sora',sans-serif;font-weight:600;font-size:1.25rem;color:#fff}
.stack-3d:hover .layer{transform:translateZ(calc(var(--i)*100px))}
@keyframes stackFloat{50%{transform:rotateX(58deg) rotateZ(-36deg) translateZ(16px)}}
.stack-caption{position:absolute;left:0;right:0;bottom:0;text-align:center;color:var(--muted);font-size:.9rem}
.why-title{font-size:clamp(2rem,4vw,2.9rem)!important;margin-bottom:22px}
.why-lead{color:var(--muted);line-height:1.8;margin:0 0 30px;max-width:640px}
body.premium .why-features{grid-template-columns:1fr 1fr;gap:14px}
body.premium .why-feature{flex-direction:column;gap:12px;padding:20px;border:1px solid var(--line);border-radius:16px;background:var(--glass);transition:border-color .3s,background .3s}
body.premium .why-feature:first-child{grid-column:1/-1;flex-direction:row}
body.premium .why-feature:hover{border-color:rgba(124,170,255,.3);background:var(--glass-2)}
body.premium .why-dot{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,rgba(79,140,255,.25),rgba(34,211,238,.08));border:1px solid rgba(124,170,255,.3)}
body.premium .why-feature-text h4{font-size:1rem;margin-bottom:6px}
body.premium .why-feature-text p{color:var(--muted);font-size:.9rem;line-height:1.6}

/* why — premium layout: stats, vs-table, numbered cards, CTA */
body.premium #why{background:radial-gradient(60% 50% at 15% 30%,rgba(214,168,79,.08),transparent 70%),radial-gradient(50% 50% at 90% 70%,rgba(79,140,255,.12),transparent 70%),var(--bg-2)}
.grad-text.gold{background:linear-gradient(120deg,#F6E2B3 0%,#D6A84F 45%,#F3D58E 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.why-stats{display:grid;grid-template-columns:repeat(4,1fr);max-width:1180px;margin:0 auto 64px;border-radius:22px;border:1px solid rgba(214,168,79,.25);background:linear-gradient(180deg,rgba(214,168,79,.07),rgba(255,255,255,.015));overflow:hidden}
.why-stat{padding:26px 28px;border-left:1px solid rgba(214,168,79,.18);text-align:center}
.why-stat:first-child{border-left:0}
.why-stat strong{display:block;font-family:'Sora',sans-serif;font-size:2rem;font-weight:600;letter-spacing:-.02em;background:linear-gradient(120deg,#F6E2B3,#D6A84F);-webkit-background-clip:text;background-clip:text;color:transparent}
.why-stat span{color:var(--muted);font-size:.88rem}
body.premium .why-grid{grid-template-columns:.85fr 1.15fr;gap:50px;align-items:center}
.why-visual .stack-3d{height:460px}
.layer b{color:#F3D58E}
.why-vs{padding:30px;border-radius:24px;border:1px solid var(--line-2);background:linear-gradient(180deg,rgba(18,28,56,.85),rgba(10,17,36,.9));box-shadow:0 40px 80px rgba(0,0,0,.4)}
.why-vs-head h3{font-size:1.3rem;color:#fff;margin-bottom:4px}
.why-vs-head p{color:var(--muted);font-size:.92rem;margin-bottom:18px}
.vs-row{display:grid;grid-template-columns:1.15fr 1.1fr 1fr;align-items:center;gap:10px;padding:13px 14px;border-top:1px solid var(--line);font-size:.9rem;color:var(--muted)}
.vs-row>span:first-child{color:var(--ink);font-weight:500}
.vs-cols{border-top:0;padding-top:4px;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--dim)}
.vs-cols>span{display:flex;align-items:center;gap:8px}
.vs-cols img{border-radius:6px}
.vs-us{color:#fff!important;font-weight:500}
.vs-row:not(.vs-cols) .vs-us{background:linear-gradient(90deg,rgba(214,168,79,.12),transparent);border-radius:10px;padding:8px 10px;margin:-8px 0}
.vs-cols .vs-us{color:#F3D58E!important}
.vs-row i{display:inline-block;width:16px;height:16px;border-radius:50%;margin-right:8px;vertical-align:-3px;flex:none}
.vs-row i.yes{background:#10B981 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-9'/%3E%3C/svg%3E") center/11px no-repeat}
.vs-row i.no{background:rgba(248,113,113,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FCA5A5' stroke-width='3.5' stroke-linecap='round'%3E%3Cpath d='M7 7l10 10M17 7L7 17'/%3E%3C/svg%3E") center/9px no-repeat}
.vs-row i.part{background:rgba(250,204,21,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FCD34D' stroke-width='3.5' stroke-linecap='round'%3E%3Cpath d='M7 12h10'/%3E%3C/svg%3E") center/10px no-repeat}
.why-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:64px}
.why-card{position:relative;overflow:hidden;padding:28px;border-radius:20px;border:1px solid var(--line);background:linear-gradient(180deg,rgba(255,255,255,.05),rgba(255,255,255,.012));transition:transform .3s,border-color .3s,box-shadow .3s}
.why-card::before{content:"";position:absolute;inset:0 0 auto 0;height:2px;background:linear-gradient(90deg,transparent,#D6A84F,transparent);opacity:0;transition:opacity .3s}
.why-card:hover{transform:translateY(-6px);border-color:rgba(214,168,79,.35);box-shadow:0 30px 60px rgba(0,0,0,.4)}
.why-card:hover::before{opacity:1}
.why-num{position:absolute;top:20px;right:22px;font-family:'Sora',sans-serif;font-weight:700;font-size:2.4rem;line-height:1;color:rgba(214,168,79,.14)}
body.premium .why-card .why-dot{width:46px;height:46px;border-radius:13px;margin-bottom:18px;background:linear-gradient(135deg,rgba(214,168,79,.28),rgba(79,140,255,.12));border:1px solid rgba(214,168,79,.35);display:grid;place-items:center}
body.premium .why-card .why-dot svg{stroke:#F3D58E;width:22px;height:22px}
.why-card h4{font-size:1.06rem;color:#fff;margin-bottom:8px}
.why-card p{color:var(--muted);font-size:.92rem;line-height:1.65}
.why-cta{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:56px;padding:30px 34px;border-radius:24px;border:1px solid rgba(214,168,79,.3);background:radial-gradient(70% 120% at 0% 0%,rgba(214,168,79,.14),transparent 60%),radial-gradient(60% 120% at 100% 100%,rgba(79,140,255,.16),transparent 60%),rgba(255,255,255,.02)}
.why-cta h3{font-size:1.4rem;color:#fff;margin-bottom:4px}
.why-cta p{color:var(--muted)}
.why-cta .btn-group{margin-top:0}
@media(max-width:1000px){
  .why-stats{grid-template-columns:repeat(2,1fr)}
  .why-stat:nth-child(3){border-left:0}
  .why-stat:nth-child(n+3){border-top:1px solid rgba(214,168,79,.18)}
  .why-cards{grid-template-columns:repeat(2,1fr)}
  .why-visual .stack-3d{height:360px}
}
@media(max-width:640px){
  .why-cards{grid-template-columns:1fr}
  .vs-row{grid-template-columns:1fr 1fr;font-size:.84rem}
  .vs-row>span:first-child{grid-column:1/-1}
  .vs-cols>span:first-child{display:none}
  .why-vs,.why-cta{padding:22px}
}

/* process */
body.premium .steps-grid{gap:20px}
body.premium .step-card{border:1px solid var(--line);border-radius:var(--r);padding:28px;background:linear-gradient(180deg,rgba(255,255,255,.045),rgba(255,255,255,.01))}
body.premium .step-n{width:52px;height:52px;border-radius:15px;display:grid;place-items:center;font-family:'Sora',sans-serif;font-size:1rem;font-weight:600;color:#fff;background:var(--btn-grad);box-shadow:0 12px 30px rgba(37,99,235,.45);margin-bottom:22px}
body.premium .step-title{font-size:1.08rem}
body.premium .step-desc{color:var(--muted);font-size:.92rem;line-height:1.65}

/* markets */
body.premium #markets{background:var(--bg-2)}
body.premium .tv-box{border-radius:var(--r);border-color:var(--line);background:rgba(255,255,255,.025)}
body.premium .markets-note{color:var(--dim)}

/* blog */
body.premium .blog-section{background:var(--bg)}
body.premium .blog-card{background:linear-gradient(180deg,rgba(255,255,255,.045),rgba(255,255,255,.01));border:1px solid var(--line);border-radius:var(--r)}
body.premium .blog-card img{height:200px;filter:saturate(.9) brightness(.85)}
body.premium .blog-category{color:#7DD3FC;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase}
body.premium .blog-content p{color:var(--muted)}
body.premium .blog-content a{color:#9CC2FF;font-weight:600}

/* eligibility */
.elig-shell{max-width:1040px;margin:0 auto;padding:36px;border-radius:26px;border:1px solid var(--line);background:rgba(255,255,255,.02)}
#cibilBands{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.band{position:relative;overflow:hidden;padding:22px 18px;text-align:center;border-radius:16px;border:1px solid var(--line);background:var(--glass)}
.band::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--c);box-shadow:0 0 18px var(--c)}
.band-range{font-family:'Sora',sans-serif;font-weight:600;font-size:1.3rem;color:var(--c)}
.band-sub{font-size:.78rem;color:var(--dim);margin:4px 0 12px}
.band-name{font-weight:600;font-size:.92rem}
.band-note{font-size:.78rem;color:var(--muted);margin-top:6px}
.eligibility-card{margin-top:30px;display:grid;gap:24px;padding:30px;border-radius:20px;border:1px solid var(--line-2);background:linear-gradient(180deg,rgba(255,255,255,.05),rgba(255,255,255,.015))}
.elig-head{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.elig-head h3{font-size:1.4rem;margin-bottom:6px}
.elig-head p{color:var(--muted)}
.badge-ok{padding:8px 14px;border-radius:999px;background:rgba(52,211,153,.1);border:1px solid rgba(52,211,153,.3);color:#6EE7B7;font-size:.8rem;font-weight:600}
.eligibility-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.elig-actions{display:flex;flex-wrap:wrap;gap:16px;align-items:center}
.elig-actions .form-submit{max-width:260px}
.elig-actions p{color:var(--dim);flex:1;font-size:.88rem}
body.premium .eligibility-result{padding:20px;border-radius:16px;border:1px dashed var(--line-2);background:rgba(255,255,255,.02);color:var(--ink);font-size:.95rem;min-height:72px}
body.premium .eligibility-result.success{background:rgba(52,211,153,.06)!important;border:1px solid rgba(52,211,153,.35)!important}
body.premium .eligibility-result.danger{background:rgba(248,113,113,.06)!important;border:1px solid rgba(248,113,113,.35)!important}
.elig-note{margin-top:24px;padding:20px 22px;border-radius:14px;background:rgba(79,140,255,.07);border:1px solid rgba(79,140,255,.22)}
.elig-note a{color:#9CC2FF;font-weight:600;text-decoration:none}

/* faq */
body.premium #faq{background:var(--bg-2)}
body.premium .faq-list{border-top:0}
body.premium .faq-item{border:1px solid var(--line);border-radius:16px;background:var(--glass);margin-bottom:12px;padding:0 22px;transition:border-color .3s,background .3s}
body.premium .faq-item.open{border-color:rgba(124,170,255,.35);background:var(--glass-2)}
body.premium .faq-q-text{font-weight:500}
body.premium .faq-toggle{background:rgba(255,255,255,.06);border:1px solid var(--line-2);color:#fff}
body.premium .faq-item.open .faq-toggle{background:var(--btn-grad);border-color:transparent}
body.premium .faq-a-inner{color:var(--muted)}

/* contact */
body.premium #contact{background:radial-gradient(60% 60% at 85% 20%,rgba(79,70,229,.2),transparent 70%),radial-gradient(50% 50% at 0% 100%,rgba(34,211,238,.1),transparent 70%),var(--bg)}
.contact-title{font-size:clamp(2.2rem,4vw,3rem)!important;margin-bottom:18px}
.contact-lead{color:var(--muted);max-width:440px;margin-bottom:34px}
body.premium .cinfo-item{display:flex;align-items:center;gap:14px;padding:14px 16px;margin-bottom:10px;border-radius:14px;border:1px solid var(--line);background:var(--glass);text-decoration:none;transition:border-color .2s,background .2s}
body.premium a.cinfo-item:hover{border-color:rgba(124,170,255,.35);background:var(--glass-2)}
.cinfo-ico{flex:none;width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,rgba(79,140,255,.25),rgba(34,211,238,.08));border:1px solid rgba(124,170,255,.3)}
.cinfo-ico svg{width:18px;height:18px;fill:none;stroke:#BFD6FF;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
body.premium .cinfo-label{display:block;color:var(--dim);font-size:.76rem}
body.premium .cinfo-val{display:block;font-size:.98rem;color:var(--ink)}
body.premium .contact-form-card{background:linear-gradient(180deg,rgba(255,255,255,.06),rgba(255,255,255,.02));border:1px solid var(--line-2);border-radius:24px;padding:34px;color:var(--ink);backdrop-filter:blur(14px);box-shadow:0 40px 90px rgba(0,0,0,.45)}
body.premium .contact-form-card a{color:#9CC2FF}

/* footer */
body.premium footer{background:#03060E;border-top:1px solid var(--line)}
.footer-logo{display:flex;align-items:center;gap:12px}
.footer-logo img{height:40px;width:auto}
body.premium .footer-brand .logo-name{font-size:1.25rem}
body.premium .footer-brand p{color:var(--muted)}
body.premium .footer-col h5{color:#fff;font-family:'Sora',sans-serif;font-weight:600}
body.premium .footer-links a{color:var(--muted)}
body.premium .footer-links a:hover{color:#fff}
body.premium .footer-bottom{border-top-color:var(--line);color:var(--dim)}
body.premium .footer-disc{color:#66748F}

/* floating buttons */
body.premium .whatsapp-float{box-shadow:0 12px 30px rgba(37,211,102,.35)}
body.premium .whatsapp-float svg{width:28px;height:28px;fill:#fff}
body.premium .scroll-top{background:rgba(12,22,48,.7);border-color:var(--line-2);color:#fff;backdrop-filter:blur(10px)}

/* responsive */
@media(max-width:1000px){
  .nav-toggle{display:flex}
  body.premium #nav{gap:10px}
  body.premium .nav-cta{margin-left:auto}
  body.premium #nav.open .nav-list{display:flex;flex-direction:column;position:absolute;top:calc(100% + 8px);left:0;right:0;margin:0;padding:10px;border-radius:16px;border:1px solid var(--line);background:rgba(8,14,32,.96);backdrop-filter:blur(18px)}
  body.premium .hero{padding-top:120px}
  body.premium .hero-content-grid{grid-template-columns:1fr;min-height:0}
  .hero-visual{max-width:460px;margin:10px auto 0}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .hero-stat:nth-child(3){border-left:0}
  .hero-stat:nth-child(n+3){border-top:1px solid var(--line)}
  .calc-card{grid-template-columns:1fr}
  .calc-output{border-left:0;border-top:1px solid var(--line)}
  body.premium .why-grid{grid-template-columns:1fr;gap:30px}
  .stack-3d{height:380px}
  .layer{width:210px;height:210px;margin:-105px 0 0 -105px;padding:18px}
  .eligibility-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:640px){
  body.home section{padding:80px 5%}
  body.premium .hero{padding:110px 5% 56px}
  body.premium .nav-cta{padding:9px 14px;font-size:.85rem}
  body.premium .logo-tag{display:none}
  .chip{padding:9px 12px 9px 9px;font-size:.78rem}
  .chip strong{font-size:.92rem}
  .chip-ico{width:30px;height:30px}
  .chip-b{display:none}
  .chip-a{left:0;top:4%} .chip-c{left:2%;bottom:2%}
  .hero-stat{padding:16px 18px}
  .stat-k{font-size:1.25rem}
  .calc-inputs,.calc-output{padding:24px}
  .donut-row{gap:16px}
  .donut-wrap{width:112px;height:112px}
  body.premium .why-features{grid-template-columns:1fr}
  body.premium .why-feature:first-child{flex-direction:column}
  .elig-shell{padding:18px}
  .eligibility-card{padding:20px}
  .eligibility-grid{grid-template-columns:1fr}
  body.premium .contact-form-card{padding:22px}
}
@media(prefers-reduced-motion:reduce){
  .js body.premium .reveal{opacity:1;translate:none}
}
/* mobile: never hide content behind scroll animations; tighten vertical rhythm */
@media(max-width:1000px){
  .js body.premium .reveal{opacity:1;translate:none;transition:none}
  body.premium .hero{min-height:0}
}
@media(max-width:640px){
  body.home section{padding:56px 5%}
  body.premium .hero{padding:96px 5% 40px}
  body.premium .section-head,body.premium .blog-header{margin-bottom:32px}
  body.premium .hero .btn-group{margin-top:26px}
  .hero-visual{max-width:320px}
  .hero-stats{margin-top:28px}
  .why-stats{margin-bottom:32px}
  .why-visual{display:none}
  .why-cards{margin-top:32px}
  .why-cta{margin-top:32px}
  .compare-band{padding:22px}
  .tv-box{height:420px}
  .markets-grid{gap:16px}
  body.premium .footer-grid{gap:28px}
  body.premium footer{padding-top:48px}
  /* keep logo + Apply + menu button inside the nav bar */
  body.premium #nav{gap:8px;padding:8px 8px 8px 12px}
  body.premium .brand-mark{width:36px;height:36px;border-radius:10px}
  body.premium .logo{gap:8px;min-width:0}
  body.premium .logo-name{font-size:.92rem;letter-spacing:.03em}
  body.premium .nav-cta{padding:8px 12px;font-size:.82rem}
  .nav-toggle{flex:none;width:38px;height:38px}
}

/* ===== HOME: channel partner tabs ===== */
body.premium .cp-tabs{grid-template-columns:repeat(3,minmax(0,1fr));margin:0 auto}
@media(max-width:1000px){body.premium .cp-tabs{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){body.premium .cp-tabs{grid-template-columns:1fr}}

/* ===== HOME: bank comparison band ===== */
.compare-band{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center;max-width:1180px;margin:0 auto;padding:46px;border-radius:28px;border:1px solid rgba(124,170,255,.28);background:radial-gradient(70% 90% at 100% 0%,rgba(79,140,255,.2),transparent 70%),rgba(255,255,255,.025)}
.compare-band p{color:var(--muted);margin-top:14px}
.compare-points{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px;color:var(--ink)}
.compare-points li{position:relative;padding-left:28px}
.compare-points li::before{content:"";position:absolute;left:0;top:5px;width:16px;height:16px;border-radius:5px;background:var(--btn-grad)}
.compare-band .btn-group{margin-top:28px}
.compare-fine{font-size:.8rem;color:var(--dim)!important}
.compare-preview{position:relative;padding:24px;border-radius:22px;border:1px solid var(--line-2);background:rgba(8,14,32,.7);box-shadow:0 30px 70px rgba(0,0,0,.45);transform:perspective(1000px) rotateY(-8deg) rotateX(4deg)}
.cp-title{font-family:'Sora',sans-serif;color:#fff;font-weight:600;margin-bottom:14px}
.cp-row{display:grid;grid-template-columns:1.6fr .8fr .6fr;gap:10px;padding:12px 14px;border-radius:12px;color:var(--muted);font-size:.92rem}
.cp-row span:not(:first-child){text-align:right;color:#fff;font-weight:600}
.cp-head{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--dim)}
.cp-head span:not(:first-child){color:var(--dim);font-weight:500}
.cp-row.best{background:rgba(79,140,255,.14);border:1px solid rgba(79,140,255,.4);color:#fff}
.cp-badge{margin-top:14px;display:inline-block;padding:6px 12px;border-radius:999px;background:rgba(52,211,153,.1);border:1px solid rgba(52,211,153,.3);color:#6EE7B7;font-size:.78rem}
@media(max-width:1000px){.compare-band{grid-template-columns:1fr;padding:28px}.compare-preview{transform:none}}

/* ===== SHARED SITE CHROME (header menus, breadcrumbs, explore block, footer) ===== */
body.premium .nav-list>li{position:relative}
body.premium .has-menu>.nav-link::after{content:"";display:inline-block;width:6px;height:6px;margin-left:8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:translateY(-3px) rotate(45deg);opacity:.7}
body.premium .menu{position:absolute;top:calc(100% + 10px);left:50%;min-width:250px;padding:8px;border-radius:16px;border:1px solid var(--line-2);background:rgba(8,14,32,.96);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);box-shadow:0 30px 60px rgba(0,0,0,.5);opacity:0;visibility:hidden;transform:translate(-50%,6px);transition:opacity .2s,transform .2s,visibility .2s;z-index:60}
body.premium .menu::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
body.premium .has-menu:hover>.menu,body.premium .has-menu:focus-within>.menu{opacity:1;visibility:visible;transform:translate(-50%,0)}
body.premium .menu a{display:flex;justify-content:space-between;gap:12px;padding:9px 12px;border-radius:10px;color:var(--muted);text-decoration:none;font-size:.9rem;white-space:nowrap}
body.premium .menu a:hover,body.premium .menu a[aria-current="page"]{background:rgba(79,140,255,.12);color:#fff}
body.premium .menu small{color:var(--dim);font-size:.75rem}
body.premium .nav-link[aria-current="page"]{color:#fff;background:rgba(255,255,255,.06)}

.crumbs{position:relative;z-index:2;max-width:1180px;margin:0 auto;padding:104px 6% 0;display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:.84rem;color:var(--dim)}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:#fff}
.crumbs span[aria-hidden]{opacity:.5}
.crumbs [aria-current]{color:#9CC2FF}

.wr-explore{position:relative;padding:90px 6%;background:var(--bg-2);border-top:1px solid var(--line)}
.wr-explore-inner{max-width:1180px;margin:0 auto}
.wr-explore-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:28px}
.wr-explore-head h2{font-size:clamp(1.6rem,3vw,2.2rem)!important}
.wr-explore-head p{color:var(--muted);margin-top:8px}
.wr-explore-group{margin-top:26px}
.wr-explore-group h3{font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;color:#7DD3FC;margin-bottom:12px;font-family:'Inter',sans-serif}
.wr-explore-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px}
.wr-tile{display:flex;flex-direction:column;gap:10px;padding:16px 18px;border-radius:16px;border:1px solid var(--line);background:linear-gradient(180deg,rgba(255,255,255,.045),rgba(255,255,255,.012));transition:border-color .25s,transform .25s,background .25s}
.wr-tile:hover{border-color:rgba(124,170,255,.35);transform:translateY(-3px)}
.wr-tile.current{border-color:rgba(79,140,255,.55);background:linear-gradient(180deg,rgba(79,140,255,.16),rgba(79,140,255,.04))}
.wr-tile-name{font-family:'Sora',sans-serif;font-weight:600;color:#fff;text-decoration:none;font-size:1rem}
.wr-tile-name:hover{color:#9CC2FF}
.wr-tile-links{display:flex;gap:14px;font-size:.84rem}
.wr-tile-links a{color:var(--muted);text-decoration:none}
.wr-tile-links a:hover{color:#fff}
.wr-tile-links a.apply{color:#7DD3FC;font-weight:600}
.wr-tile .here{font-size:.72rem;color:#9CC2FF;letter-spacing:.06em;text-transform:uppercase}

body.premium .footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}
@media(max-width:1000px){
  body.premium .menu{position:static;transform:none;opacity:1;visibility:visible;display:none;min-width:0;margin:4px 0 6px;padding:4px 0 4px 10px;border:0;border-left:1px solid var(--line);border-radius:0;background:none;box-shadow:none;backdrop-filter:none}
  body.premium #nav.open .menu{display:block}
  body.premium .has-menu:hover>.menu{transform:none}
  body.premium #nav.open .nav-list{max-height:calc(100vh - 110px);overflow:auto}
  body.premium .footer-grid{grid-template-columns:1fr 1fr}
  .crumbs{padding-top:96px}
}
@media(max-width:640px){body.premium .footer-grid{grid-template-columns:1fr}}