:root {
            --gold:       #B8860B;
            --gold-light: #E8B923;
            --gold-pale:  #FFF8E7;
            --navy:       #0A1E35;
            --navy-mid:   #143052;
            --blue-light: #E8F2FF;
            --white:      #FFFFFF;
            --off-white:  #F5F8FC;
            --text:       #0F1729;
            --text-mid:   #3D4F66;
            --text-light: #647892;
            --border:     #DDE5EF;
            --border-gold: rgba(184,134,11,0.28);
            --shadow-sm:  0 2px 16px rgba(10,30,53,0.06);
            --shadow-md:  0 12px 40px rgba(10,30,53,0.10);
            --shadow-lg:  0 24px 72px rgba(10,30,53,0.14);
            --radius:     14px;
            --transition: all 0.35s cubic-bezier(0.25, 0.8, 0.25, 1);
        }
        *, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; -webkit-font-smoothing: antialiased; }
        html { scroll-behavior: smooth; }
        body { font-family: 'DM Sans', sans-serif; background: var(--white); color: var(--text); overflow-x: hidden; line-height: 1.7; }
        ::selection { background: var(--gold-light); color: var(--navy); }
        ::-webkit-scrollbar { width: 5px; }
        ::-webkit-scrollbar-track { background: var(--off-white); }
        ::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 10px; }
        h1, h2, h3, h4 { font-family: 'DM Serif Display', serif; font-weight: 400; line-height: 1.15; }

        .eyebrow {
            display: inline-flex; align-items: center; gap: 10px;
            font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
            letter-spacing: 4px; color: var(--gold); margin-bottom: 16px;
        }
        .eyebrow::before { content: ''; display: block; width: 24px; height: 2px; background: var(--gold); border-radius: 2px; }

        /* ── PRELOADER ── */
        #preloader { position: fixed; inset: 0; background: var(--navy); z-index: 9999; display: flex; align-items: center; justify-content: center; transition: opacity 0.7s ease, visibility 0.7s; }
        #preloader.fade { opacity: 0; visibility: hidden; }
        .loader-inner { text-align: center; }
        .loader-name { font-family: 'DM Serif Display', serif; font-size: 2.2rem; color: var(--white); letter-spacing: 8px; margin-bottom: 6px; }
        .loader-sub { font-size: 0.7rem; color: var(--gold); letter-spacing: 5px; text-transform: uppercase; margin-bottom: 24px; }
        .loader-bar { width: 120px; height: 2px; background: rgba(255,255,255,0.15); margin: 0 auto; overflow: hidden; border-radius: 2px; }
        .loader-bar::after { content: ''; display: block; width: 50%; height: 100%; background: var(--gold-light); animation: load 1.4s ease infinite; }
        @keyframes load { 0% { transform: translateX(-100%); } 100% { transform: translateX(300%); } }

        /* ── NAV ── */
        nav {
            position: fixed; top: 0; left: 0; width: 100%; padding: 24px 6%;
            z-index: 1000; display: flex; align-items: center; justify-content: space-between;
            transition: var(--transition);
        }
        nav.scrolled {
            padding: 14px 6%;
            background: rgba(255,255,255,0.98);
            backdrop-filter: blur(24px);
            box-shadow: 0 4px 24px rgba(10,30,53,0.08);
            border-bottom: 1px solid rgba(184,134,11,0.12);
        }
        .logo { text-decoration: none; }
        .logo-name {
            font-family: 'DM Serif Display', serif; font-size: 1.5rem;
            color: var(--white);
            letter-spacing: 1px;
            text-shadow: 0 1px 8px rgba(0,0,0,0.25);
            transition: color 0.3s ease, text-shadow 0.3s ease;
        }
        .logo-tag {
            font-size: 0.6rem; color: var(--gold-light);
            letter-spacing: 4px; text-transform: uppercase;
            display: block; font-weight: 600;
            text-shadow: 0 1px 6px rgba(0,0,0,0.2);
            transition: color 0.3s ease, text-shadow 0.3s ease;
        }
        nav.scrolled .logo-name { color: var(--navy); text-shadow: none; }
        nav.scrolled .logo-tag  { color: var(--gold); text-shadow: none; }
        .nav-list { display: flex; gap: 36px; list-style: none; }
        .nav-link {
            color: rgba(255,255,255,0.88);
            text-decoration: none; font-size: 0.82rem; font-weight: 600;
            transition: color 0.25s;
            text-shadow: 0 1px 4px rgba(0,0,0,0.2);
        }
        .nav-link:hover { color: var(--gold-light); }
        nav.scrolled .nav-link { color: var(--text-mid); text-shadow: none; }
        nav.scrolled .nav-link:hover { color: var(--navy); }
        .nav-cta {
            background: rgba(255,255,255,0.15);
            color: var(--white) !important;
            padding: 10px 24px; border-radius: 50px;
            font-size: 0.78rem !important; font-weight: 700 !important;
            text-decoration: none; transition: var(--transition); display: inline-block;
            border: 1.5px solid rgba(255,255,255,0.4);
            backdrop-filter: blur(8px);
        }
        .nav-cta:hover { background: var(--gold-light); color: var(--navy) !important; border-color: transparent; transform: translateY(-1px); }
        nav.scrolled .nav-cta { background: var(--navy); border-color: transparent; }
        nav.scrolled .nav-cta:hover { background: var(--gold); }

        /* ── HERO ── */
        .hero {
            min-height: 100vh;
            position: relative;
            display: flex; align-items: center;
            padding: 120px 6% 80px;
            overflow: hidden;
        }
        .hero-bg {
            position: absolute; inset: 0; z-index: 0;
            background-image: url('https://images.unsplash.com/photo-1519389950473-47ba0277781c?q=85&w=1920&auto=format&fit=crop');
            background-size: cover;
            background-position: center 40%;
            transform: scale(1.04);
            animation: heroZoom 18s ease-in-out infinite alternate;
        }
        @keyframes heroZoom {
            0%   { transform: scale(1.04) translateY(0px); }
            100% { transform: scale(1.10) translateY(-12px); }
        }
        .hero-overlay {
            position: absolute; inset: 0; z-index: 1;
            background:
                linear-gradient(135deg,
                    rgba(10,24,46,0.82) 0%,
                    rgba(15,42,74,0.70) 45%,
                    rgba(14,48,96,0.55) 100%),
                linear-gradient(to top, rgba(5,12,26,0.65) 0%, transparent 55%);
        }
        .hero-glow {
            position: absolute; inset: 0; z-index: 1;
            background: radial-gradient(ellipse at 78% 20%, rgba(200,150,12,0.22) 0%, transparent 55%);
        }
        .hero-grid-lines {
            position: absolute; inset: 0; z-index: 1; opacity: 0.06;
            background-image:
                linear-gradient(rgba(255,255,255,0.8) 1px, transparent 1px),
                linear-gradient(90deg, rgba(255,255,255,0.8) 1px, transparent 1px);
            background-size: 80px 80px;
        }
        .hero-content-grid {
            display: grid; grid-template-columns: 1fr 1fr;
            gap: 80px; align-items: center;
            width: 100%; max-width: 1280px; margin: 0 auto;
            position: relative; z-index: 2;
        }
        .hero-left .eyebrow { color: var(--gold-light); }
        .hero-left .eyebrow::before { background: var(--gold-light); }
        .hero-branding {
            display: flex; align-items: center; gap: 18px; margin-bottom: 24px;
            flex-wrap: wrap;
        }
        .hero-logo {
            width: 90px; min-width: 90px; border-radius: 18px; padding: 12px;
            background: rgba(245,200,66,0.12); border: 1px solid rgba(245,200,66,0.25);
            display: inline-flex; align-items: center; justify-content: center;
        }
        .hero-logo img { width: 66px; height: auto; display: block; }
        .hero-brand-text { display: flex; flex-direction: column; gap: 6px; }
        .hero-h1 { font-size: clamp(2.8rem, 5vw, 4.2rem); color: var(--white); margin: 0; }
        .hero-h1 em { color: var(--gold-light); font-style: italic; }
        .hero-p { color: rgba(255,255,255,0.78); font-size: 1.05rem; margin-bottom: 40px; max-width: 520px; }
        .hero-media {
            display: flex;
            align-items: center;
            gap: 18px;
            margin-top: 28px;
            padding: 20px;
            border-radius: 22px;
            background: rgba(255,255,255,0.08);
            border: 1px solid rgba(255,255,255,0.16);
            max-width: 660px;
            box-shadow: 0 24px 60px rgba(0, 0, 0, 0.18);
        }
        .hero-media img {
            width: 120px;
            min-width: 120px;
            height: 120px;
            object-fit: cover;
            border-radius: 18px;
            box-shadow: 0 16px 36px rgba(0, 0, 0, 0.22);
        }
        .hero-media-copy h4 {
            margin: 0 0 8px;
            font-size: 1rem;
            color: var(--white);
        }
        .hero-media-copy p {
            margin: 0;
            line-height: 1.6;
            color: rgba(255, 255, 255, 0.82);
            font-size: 0.96rem;
        }

        /* ── PAGE HERO FOR SECONDARY PAGES ── */
        .page-hero {
            min-height: 45vh;
            max-height: 520px;
            position: relative;
            display: flex;
            align-items: center;
            padding: 70px 6% 60px;
            background-image: url('https://images.unsplash.com/photo-1519389950473-47ba0277781c?q=85&w=1920&auto=format&fit=crop');
            background-size: cover;
            background-position: center 40%;
            overflow: hidden;
        }
        .page-hero::before {
            content: '';
            position: absolute;
            inset: 0;
            background:
                linear-gradient(135deg, rgba(10,24,46,0.84) 0%, rgba(15,42,74,0.70) 55%, rgba(14,48,96,0.50) 100%),
                radial-gradient(circle at top right, rgba(245,200,66,0.16), transparent 32%);
        }
        .page-hero-content {
            position: relative;
            z-index: 2;
            max-width: 860px;
            color: var(--white);
        }
        .page-hero .decorative-tag {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            padding: 10px 16px;
            border-radius: 999px;
            background: rgba(255,255,255,0.12);
            color: var(--gold-light);
            font-size: 0.75rem;
            font-weight: 700;
            letter-spacing: 1px;
            text-transform: uppercase;
            margin-bottom: 20px;
        }
        .page-hero h1 { font-size: clamp(2.8rem, 6vw, 4rem); margin-bottom: 22px; }
        .page-hero p { font-size: 1.05rem; line-height: 1.8; max-width: 720px; margin-bottom: 28px; color: rgba(255,255,255,0.88); }
        .page-hero .btn-group { flex-wrap: wrap; gap: 14px; }
        .page-hero .btn-ghost { color: var(--white); border-color: rgba(255,255,255,0.4); }
        .page-hero .btn-ghost:hover { color: var(--gold-light); border-color: var(--gold-light); background: rgba(255,255,255,0.08); }
        .page-hero .hero-stat-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-top: 32px; }
        .page-hero .hero-stat {
            background: rgba(255,255,255,0.10);
            border: 1px solid rgba(255,255,255,0.16);
            border-radius: 18px;
            padding: 20px;
        }
        .page-hero .hero-stat h3 { margin: 0; font-size: 1.6rem; color: var(--gold-light); }
        .page-hero .hero-stat p { margin: 10px 0 0; color: rgba(255,255,255,0.82); font-size: 0.9rem; }
        .page-tab-bar {
            display: flex;
            align-items: center;
            justify-content: flex-start;
            flex-wrap: wrap;
            gap: 10px;
            margin-bottom: 24px;
            padding: 0;
        }
        .page-tab {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            gap: 8px;
            padding: 12px 18px;
            border-radius: 999px;
            background: rgba(255,255,255,0.12);
            border: 1px solid rgba(255,255,255,0.22);
            color: var(--white);
            text-decoration: none;
            font-weight: 700;
            line-height: 1.2;
            position: relative;
            z-index: 3;
            white-space: nowrap;
            transition: var(--transition);
        }
        .page-tab:hover {
            background: rgba(255,255,255,0.20);
            transform: translateY(-1px);
        }
        .page-tab-submit {
            background: var(--gold-light);
            color: var(--navy);
            border-color: transparent;
        }
        .page-tab-submit:hover {
            background: var(--gold);
            color: var(--white);
        }
        .page-tab-title {
            color: rgba(255,255,255,0.95);
            font-weight: 700;
            letter-spacing: 0.03em;
            font-size: 0.95rem;
            margin-left: 0;
        }
        .page-section [id],
        section[id] {
            scroll-margin-top: 110px;
        }
        .loan-intro-grid {
            display: grid;
            grid-template-columns: 1.6fr 1fr;
            gap: 28px;
            align-items: start;
            margin-top: 30px;
        }
        .loan-intro-card {
            background: rgba(248,244,236,0.98);
            border: 1px solid rgba(200,150,12,0.16);
            border-radius: 24px;
            padding: 28px;
            box-shadow: 0 16px 45px rgba(15,42,74,0.08);
        }
        .loan-intro-card h3 {
            margin: 0 0 10px;
            color: var(--navy);
            font-size: 1.35rem;
        }
        .loan-stats {
            display: grid;
            grid-template-columns: repeat(2, minmax(0, 1fr));
            gap: 16px;
            margin-top: 24px;
        }
        .loan-stat {
            background: var(--white);
            border-radius: 18px;
            padding: 18px;
            text-align: center;
            border: 1px solid var(--border);
        }
        .loan-stat strong {
            display: block;
            font-size: 1.45rem;
            margin-bottom: 6px;
            color: var(--navy);
        }
        .loan-stat span {
            display: block;
            color: var(--text-mid);
            font-size: 0.95rem;
        }
        .loan-benefits-grid {
            display: grid;
            grid-template-columns: repeat(3, minmax(0, 1fr));
            gap: 20px;
            margin-top: 36px;
        }
        .benefit-card {
            background: var(--off-white);
            border: 1px solid var(--border);
            border-radius: 24px;
            padding: 28px;
            box-shadow: var(--shadow-sm);
            transition: var(--transition);
        }
        .benefit-card:hover {
            transform: translateY(-4px);
            box-shadow: var(--shadow-md);
        }
        .benefit-card h3 {
            margin-top: 0;
            margin-bottom: 14px;
            color: var(--navy);
            font-size: 1.15rem;
        }
        .benefit-card p {
            margin: 0;
            color: var(--text-mid);
            line-height: 1.75;
        }
        .loan-cta-row {
            display: flex;
            flex-wrap: wrap;
            align-items: center;
            gap: 16px;
            margin-top: 42px;
        }
        .loan-cta-note {
            color: var(--text-light);
            max-width: 660px;
            line-height: 1.8;
        }
        .loan-info-list {
            display: grid;
            grid-template-columns: repeat(2, minmax(0, 1fr));
            gap: 20px;
            margin-top: 24px;
        }
        .loan-info-list li {
            margin-bottom: 10px;
            color: var(--text-mid);
            line-height: 1.75;
        }
        .loan-info-list li::marker {
            color: var(--gold);
        }
        .page-section {
            background: var(--white);
            border-radius: 24px;
            box-shadow: var(--shadow-md);
            padding: 60px 32px;
            max-width: 980px;
            margin: -80px auto 80px;
            position: relative;
            z-index: 2;
        }

        .property-listing-page .page-hero {
            min-height: auto;
            max-height: none;
            align-items: flex-start;
            padding: 70px 6% 150px;
            overflow: visible;
        }
        .property-listing-page .page-hero-content {
            max-width: 1080px;
            width: 100%;
        }
        .property-listing-page .page-section {
            margin: -56px auto 80px;
            position: relative;
            z-index: 3;
        }
        .property-listing-page .contact-form-card {
            background: var(--off-white);
            border: 1px solid var(--border);
            backdrop-filter: none;
        }
        .property-listing-page .cf-field label {
            color: var(--text);
        }
        .property-listing-page .cf-field input,
        .property-listing-page .cf-field select,
        .property-listing-page .cf-field textarea {
            background: var(--white);
            color: #111111;
            border: 1px solid #0f172a;
        }
        .property-listing-page .cf-field input::placeholder,
        .property-listing-page .cf-field textarea::placeholder {
            color: #475569;
        }
        .property-listing-page .cf-field input:focus,
        .property-listing-page .cf-field select:focus,
        .property-listing-page .cf-field textarea:focus {
            border-color: #000000;
            background: #ffffff;
        }
        .property-listing-page .cf-field select option {
            background: #ffffff;
            color: #111111;
        }
        .property-listing-page input[type="file"] {
            color: #111111;
            background: #ffffff;
        }
        .property-listing-page input[type="file"]::file-selector-button {
            background: #111111;
            color: #ffffff;
            border: none;
            border-radius: 8px;
            padding: 10px 14px;
            margin-right: 12px;
            cursor: pointer;
        }

        /* ── WHATSAPP FLOATING BUTTON ── */
        .whatsapp-float {
            position: fixed; bottom: 30px; right: 30px; z-index: 999;
            width: 60px; height: 60px; border-radius: 50%;
            background: linear-gradient(135deg, #25d366, #1fa952);
            display: flex; align-items: center; justify-content: center;
            font-size: 1.8rem; cursor: pointer; box-shadow: 0 4px 16px rgba(37, 211, 102, 0.4);
            transition: var(--transition); text-decoration: none;
        }
        .whatsapp-float:hover { transform: scale(1.15); box-shadow: 0 6px 24px rgba(37, 211, 102, 0.6); }
        
        /* ── CIBIL SCORE MODULE ── */
        .cibil-module { background: var(--off-white); border-radius: 16px; padding: 32px; margin: 40px 0; }
        .cibil-header { text-align: center; margin-bottom: 32px; }
        .cibil-header h3 { font-size: 1.6rem; color: var(--navy); margin-bottom: 8px; }
        .cibil-categories { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 24px; }
        .cibil-cat { background: var(--white); border: 2px solid var(--border); border-radius: 12px; padding: 20px; text-align: center; transition: var(--transition); }
        .cibil-cat:hover { border-color: var(--gold); box-shadow: var(--shadow-md); }
        .cibil-range { font-weight: 700; color: var(--navy); font-size: 1.1rem; margin-bottom: 8px; }
        .cibil-label { font-size: 0.85rem; color: var(--text-light); }
        .cibil-range.excellent { color: #22c55e; }
        .cibil-range.good { color: #3b82f6; }
        .cibil-range.fair { color: #f97316; }
        .cibil-range.improvement { color: #ef4444; }
        
        /* ── MULTI-STEP LOAN FORM ── */
        .loan-form-steps { background: var(--white); border-radius: 16px; padding: 40px; box-shadow: var(--shadow-md); }
        .form-progress { display: flex; align-items: center; gap: 12px; margin-bottom: 32px; }
        .progress-dot { width: 40px; height: 40px; border-radius: 50%; background: var(--off-white); display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--text-light); transition: var(--transition); }
        .progress-dot.active { background: var(--gold); color: var(--navy); }
        .progress-dot.completed { background: #22c55e; color: var(--white); }
        .progress-line { flex: 1; height: 2px; background: var(--border); margin: 0 -6px; }
        .progress-line.active { background: var(--gold); }
        .form-step { display: none; }
        .form-step.active { display: block; animation: fadeIn 0.3s ease; }
        @keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
        .step-buttons { display: flex; gap: 12px; margin-top: 24px; }
        .btn-step-prev, .btn-step-next, .btn-step-submit { padding: 12px 24px; border: none; border-radius: 8px; font-weight: 700; cursor: pointer; transition: var(--transition); }
        .btn-step-prev { background: var(--off-white); color: var(--navy); }
        .btn-step-prev:hover { background: var(--border); }
        .btn-step-next, .btn-step-submit { background: var(--gold-light); color: var(--navy); }
        .btn-step-next:hover, .btn-step-submit:hover { background: var(--gold); }
        
        /* ── BANKING PARTNERS SECTION ── */
        .partners-section { padding: 100px 6%; background: var(--off-white); }
        .partners-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: 1200px; margin: 0 auto; }
        .partner-group-title { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; letter-spacing: 2px; }
        .partner-list { display: flex; flex-direction: column; gap: 12px; }
        .partner-item { font-size: 0.95rem; color: var(--text-mid); padding: 10px 0; border-bottom: 1px solid var(--border); }
        .partner-item:last-child { border-bottom: none; }
        
        /* ── SERVICES GRID ── */
        .services-grid-2 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 32px; }
        .service-box { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 20px; text-align: center; }
        .service-box h4 { font-size: 0.95rem; color: var(--navy); font-weight: 700; margin-bottom: 8px; }
        .btn-group { display: flex; gap: 16px; flex-wrap: wrap; }
        .btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 32px; font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; border-radius: 50px; text-decoration: none; cursor: pointer; border: none; transition: var(--transition); }
        .btn-gold { background: linear-gradient(135deg, var(--gold-light) 0%, #f0d060 100%); color: var(--navy); box-shadow: 0 4px 20px rgba(232,185,35,0.3); }
        .btn-gold:hover { background: var(--white); transform: translateY(-2px); box-shadow: 0 10px 32px rgba(232,185,35,0.4); }
        .btn-ghost { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.4); }
        .btn-ghost:hover { border-color: var(--gold-light); color: var(--gold-light); transform: translateY(-2px); }
        .hero-trust {
            display: flex; gap: 20px; margin-top: 36px; flex-wrap: wrap;
        }
        .trust-badge {
            display: flex; align-items: center; gap: 8px;
            background: rgba(255,255,255,0.10);
            border: 1px solid rgba(255,255,255,0.18);
            border-radius: 50px; padding: 7px 16px;
            font-size: 0.73rem; color: rgba(255,255,255,0.85); font-weight: 600;
            backdrop-filter: blur(8px);
            letter-spacing: 0.5px;
        }
        .trust-badge span { color: var(--gold-light); font-size: 1rem; }

        /* ── Hero EMI Card ── */
        .hero-card {
            background: rgba(255,255,255,0.08);
            backdrop-filter: blur(24px);
            border: 1px solid rgba(255,255,255,0.18);
            border-radius: 24px; padding: 44px 40px;
            box-shadow: 0 24px 64px rgba(0,0,0,0.25);
        }
        .hero-card-header { display: flex; align-items: center; gap: 10px; margin-bottom: 28px; }
        .hero-card-icon { width: 36px; height: 36px; background: var(--gold-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.1rem; }
        .hero-card h3 { font-family: 'DM Sans', sans-serif; font-size: 1.15rem; font-weight: 700; color: var(--white); }
        .calc-row { margin-bottom: 22px; }
        .calc-label { font-size: 0.69rem; color: rgba(255,255,255,0.55); font-weight: 700; text-transform: uppercase; letter-spacing: 2.5px; margin-bottom: 8px; }
        .calc-value { font-size: 1.45rem; font-family: 'DM Sans', sans-serif; font-weight: 700; color: var(--gold-light); margin-bottom: 8px; letter-spacing: 0.2px; }
        .calc-slider {
            width: 100%; appearance: none; -webkit-appearance: none; height: 4px;
            border-radius: 4px; background: rgba(255,255,255,0.18); outline: none; cursor: pointer;
        }
        .calc-slider::-webkit-slider-thumb {
            -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%;
            background: var(--gold-light); cursor: pointer;
            box-shadow: 0 2px 10px rgba(0,0,0,0.35);
            transition: transform 0.15s;
        }
        .calc-input {
            width: 100%; padding: 12px 14px; border-radius: 12px; border: 1px solid rgba(255,255,255,0.16);
            background: rgba(255,255,255,0.08); color: var(--white); font-size: 0.95rem;
            outline: none; margin-top: 14px;
        }
        .calc-input:focus {
            border-color: rgba(245,200,66,0.5); background: rgba(255,255,255,0.14);
        }
        .calc-input-wrapper { display: flex; align-items: center; gap: 12px; margin-top: 12px; }
        .calc-input-note { color: rgba(255,255,255,0.65); font-size: 0.8rem; }
        .calc-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
        .calc-divider { height: 1px; background: rgba(255,255,255,0.12); margin: 24px 0; }
        .calc-result-label { font-size: 0.69rem; color: rgba(255,255,255,0.5); font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; }
        .calc-result-num { font-family: 'DM Sans', sans-serif; font-size: 2.2rem; font-weight: 700; color: var(--white); margin: 6px 0 2px; letter-spacing: 0.2px; }
        .calc-result-sub { font-size: 0.75rem; color: rgba(255,255,255,0.4); }
        .calc-breakdown { display: flex; gap: 0; margin-top: 12px; background: rgba(255,255,255,0.06); border-radius: 10px; overflow: hidden; }
        .calc-bd-item { flex: 1; padding: 10px 12px; text-align: center; }
        .calc-bd-item + .calc-bd-item { border-left: 1px solid rgba(255,255,255,0.08); }
        .calc-bd-label { font-size: 0.62rem; color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 3px; }
        .calc-bd-val { font-size: 0.85rem; font-weight: 700; color: rgba(255,255,255,0.8); }
        .calc-btn {
            width: 100%; margin-top: 20px; background: var(--gold-light); color: var(--navy);
            font-weight: 700; padding: 15px; border: none; border-radius: 50px;
            font-size: 0.82rem; text-transform: uppercase; letter-spacing: 1.5px;
            cursor: pointer; transition: var(--transition);
        }
        .calc-btn:hover { background: var(--white); transform: translateY(-1px); box-shadow: 0 8px 20px rgba(0,0,0,0.2); }

        /* ── TICKER ── */
        .ticker-wrap { background: var(--gold); padding: 14px 0; overflow: hidden; }
        .ticker-move { display: flex; animation: marquee 35s linear infinite; width: max-content; }
        .ticker-item { padding: 0 50px; font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 3px; color: var(--navy); display: flex; align-items: center; gap: 12px; }
        .ticker-item::before { content: '●'; font-size: 6px; }
        @keyframes marquee { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

        /* ═══════════════════════════════════════════
           ── AD SYSTEM STYLES ──
        ═══════════════════════════════════════════ */

        /* Ad Label Badge */
        .ad-label {
            display: inline-flex; align-items: center; gap: 5px;
            font-size: 0.6rem; font-weight: 700; text-transform: uppercase;
            letter-spacing: 2px; color: var(--text-light);
            background: var(--off-white); border: 1px solid var(--border);
            padding: 3px 9px; border-radius: 4px;
        }

        /* ── LEADERBOARD BANNER AD ── */
        .ad-leaderboard-wrap {
            background: var(--off-white);
            border-top: 1px solid var(--border);
            border-bottom: 1px solid var(--border);
            padding: 16px 6%;
            display: flex; align-items: center; justify-content: space-between;
            gap: 20px;
        }
        .ad-leaderboard-inner {
            flex: 1; display: flex; align-items: center; gap: 0;
            max-width: 1200px; margin: 0 auto; width: 100%;
        }
        /* Ensure multiple banners stack with spacing */
.ad-leaderboard-slot {
    display: flex;
    flex-direction: column;
    gap: 20px; /* Space between multiple banners */
    width: 100%;
}

/* Make sure the container shows if there are any ads */
.ad-leaderboard-wrap.has-ads {
    display: flex !important;
}
        .ad-banner-card {
            display: flex; align-items: center; gap: 20px;
            background: var(--white); border: 1px solid var(--border);
            border-radius: 14px; padding: 16px 24px;
            text-decoration: none; transition: var(--transition);
            position: relative; overflow: hidden;
            max-width: 1200px; margin: 0 auto; width: 100%;
        }
        .ad-banner-card:hover { box-shadow: var(--shadow-md); border-color: var(--border-gold); transform: translateY(-1px); }
        .ad-banner-card::before {
            content: ''; position: absolute; left: 0; top: 0; bottom: 0;
            width: 4px; background: linear-gradient(180deg, var(--gold), var(--gold-light));
        }
        .ad-banner-img {
            width: 64px; height: 64px; border-radius: 12px; object-fit: cover;
            border: 1px solid var(--border); flex-shrink: 0;
            background: var(--off-white); display: flex; align-items: center;
            justify-content: center; font-size: 1.8rem;
        }
        .ad-banner-img img { width: 100%; height: 100%; object-fit: cover; border-radius: 12px; }
        .ad-banner-content { flex: 1; }
        .ad-banner-company { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--gold); margin-bottom: 3px; }
        .ad-banner-tagline { font-size: 1rem; font-weight: 600; color: var(--navy); margin-bottom: 4px; font-family: 'DM Serif Display', serif; }
        .ad-banner-desc { font-size: 0.82rem; color: var(--text-light); }
        .ad-banner-cta {
            background: var(--navy); color: var(--white); padding: 10px 20px;
            border-radius: 50px; font-size: 0.75rem; font-weight: 700;
            text-transform: uppercase; letter-spacing: 1px; white-space: nowrap;
            transition: var(--transition); flex-shrink: 0;
        }
        .ad-banner-card:hover .ad-banner-cta { background: var(--gold); color: var(--navy); }
        .ad-banner-label-wrap { position: absolute; top: 10px; right: 12px; }

        /* ── SPONSOR CARDS SECTION ── */
        .sponsors-section {
            background: var(--white);
            padding: 48px 6%;
            border-top: 1px solid var(--border);
            border-bottom: 1px solid var(--border);
            display: none;
        }
        .sponsors-section.has-ads { display: block; }
        .sponsors-header {
            display: flex; align-items: center; justify-content: space-between;
            max-width: 1200px; margin: 0 auto 28px;
        }
        .sponsors-title {
            font-size: 0.68rem; font-weight: 700; text-transform: uppercase;
            letter-spacing: 3px; color: var(--text-light);
            display: flex; align-items: center; gap: 10px;
        }
        .sponsors-title::before { content: ''; display: block; width: 20px; height: 1px; background: var(--border); }
        .sponsors-title::after { content: ''; display: block; width: 20px; height: 1px; background: var(--border); }
        .sponsors-grid {
            max-width: 1200px; margin: 0 auto;
            display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
        }
        .sponsor-card {
            background: var(--white); border: 1px solid var(--border);
            border-radius: 16px; padding: 28px 24px;
            display: flex; flex-direction: column; gap: 14px;
            text-decoration: none; transition: var(--transition);
            position: relative; overflow: hidden;
        }
        .sponsor-card::after {
            content: ''; position: absolute; bottom: 0; right: 0;
            width: 80px; height: 80px;
            background: radial-gradient(circle, rgba(200,150,12,0.06) 0%, transparent 70%);
            border-radius: 50%;
        }
        .sponsor-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--border-gold); }
        .sponsor-card-top { display: flex; align-items: flex-start; justify-content: space-between; }
        .sponsor-logo {
            width: 52px; height: 52px; border-radius: 12px; background: var(--off-white);
            border: 1px solid var(--border); display: flex; align-items: center;
            justify-content: center; font-size: 1.5rem; overflow: hidden; flex-shrink: 0;
        }
        .sponsor-logo img { width: 100%; height: 100%; object-fit: cover; border-radius: 12px; }
        .sponsor-company { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--gold); }
        .sponsor-tagline { font-size: 1.05rem; color: var(--navy); font-family: 'DM Serif Display', serif; line-height: 1.3; }
        .sponsor-desc { font-size: 0.85rem; color: var(--text-light); line-height: 1.6; flex: 1; }
        .sponsor-cta-row { display: flex; align-items: center; justify-content: space-between; padding-top: 12px; border-top: 1px solid var(--border); }
        .sponsor-cta-text {
            font-size: 0.75rem; font-weight: 700; color: var(--navy);
            display: flex; align-items: center; gap: 5px;
            transition: var(--transition);
        }
        .sponsor-card:hover .sponsor-cta-text { color: var(--gold); }
        .sponsor-cta-arrow { font-size: 0.9rem; transition: transform 0.25s; }
        .sponsor-card:hover .sponsor-cta-arrow { transform: translateX(3px); }

        /* Sponsored blog post badge */
        .blog-tag.sponsored { background: #fff3cd; color: #856404; border: 1px solid #ffc107; }

        /* ── ADVERTISE WITH US STRIP ── */
        .advertise-strip {
            background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
            padding: 44px 6%; text-align: center; position: relative; overflow: hidden;
        }
        .advertise-strip::before {
            content: ''; position: absolute; top: -80px; left: -80px;
            width: 300px; height: 300px; border-radius: 50%;
            background: rgba(200,150,12,0.08);
        }
        .advertise-strip::after {
            content: ''; position: absolute; bottom: -60px; right: -60px;
            width: 250px; height: 250px; border-radius: 50%;
            background: rgba(245,200,66,0.06);
        }
        .advertise-strip-inner { position: relative; z-index: 1; max-width: 700px; margin: 0 auto; }
        .advertise-strip h3 { font-family: 'DM Serif Display', serif; font-size: 2rem; color: var(--white); margin-bottom: 12px; }
        .advertise-strip p { color: rgba(255,255,255,0.65); font-size: 0.95rem; margin-bottom: 24px; }
        .advertise-strip-badges { display: flex; justify-content: center; gap: 12px; margin-bottom: 28px; flex-wrap: wrap; }
        .strip-badge {
            background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
            border-radius: 50px; padding: 6px 14px; font-size: 0.72rem;
            color: rgba(255,255,255,0.75); font-weight: 600; letter-spacing: 0.5px;
        }
        .btn-advertise {
            background: var(--gold-light); color: var(--navy);
            padding: 14px 36px; border-radius: 50px; border: none;
            font-size: 0.82rem; font-weight: 700; text-transform: uppercase;
            letter-spacing: 1.5px; cursor: pointer; transition: var(--transition);
            display: inline-flex; align-items: center; gap: 8px;
        }
        .btn-advertise:hover { background: var(--white); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.25); }

        /* ── ADMIN MODAL TABS ── */
        .admin-tabs { display: flex; gap: 4px; background: var(--off-white); border-radius: 10px; padding: 4px; margin-bottom: 24px; }
        .admin-tab {
            flex: 1; padding: 9px 12px; border: none; background: none;
            border-radius: 8px; font-size: 0.78rem; font-weight: 600;
            color: var(--text-light); cursor: pointer; transition: var(--transition);
            text-align: center;
        }
        .admin-tab.active { background: var(--white); color: var(--navy); box-shadow: var(--shadow-sm); }
        .admin-tab-panel { display: none; }
        .admin-tab-panel.active { display: block; }

        /* Ad form styles inside modal */
        .ad-type-selector { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 6px; }
        .ad-type-btn {
            border: 2px solid var(--border); border-radius: 10px; padding: 12px 8px;
            background: var(--white); cursor: pointer; text-align: center; transition: var(--transition);
        }
        .ad-type-btn.selected { border-color: var(--gold); background: var(--gold-pale); }
        .ad-type-btn-icon { font-size: 1.4rem; margin-bottom: 4px; }
        .ad-type-btn-label { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--navy); }

        /* Inquiry list in admin */
        .inquiry-list { display: flex; flex-direction: column; gap: 12px; max-height: 380px; overflow-y: auto; }
        .inquiry-card {
            background: var(--off-white); border: 1px solid var(--border);
            border-radius: 12px; padding: 16px 18px;
        }
        .inquiry-card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 10px; margin-bottom: 8px; }
        .inquiry-company { font-weight: 700; color: var(--navy); font-size: 0.9rem; }
        .inquiry-ts { font-size: 0.7rem; color: var(--text-light); }
        .inquiry-contact { font-size: 0.82rem; color: var(--text-mid); }
        .inquiry-message { font-size: 0.82rem; color: var(--text-light); margin-top: 6px; font-style: italic; border-top: 1px solid var(--border); padding-top: 8px; }
        .inquiry-badge { display: inline-block; background: #ecfdf5; color: #065f46; font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; padding: 3px 10px; border-radius: 50px; border: 1px solid #bbf7d0; }
        .inquiry-delete { background: #fff5f5; color: #e53e3e; border: 1px solid #fecaca; border-radius: 6px; padding: 4px 10px; font-size: 0.7rem; cursor: pointer; transition: var(--transition); }
        .inquiry-delete:hover { background: #fee2e2; }
        .no-inquiry { text-align: center; padding: 40px; color: var(--text-light); font-size: 0.88rem; }

        /* Active ads list in admin */
        .active-ads-list { display: flex; flex-direction: column; gap: 10px; max-height: 300px; overflow-y: auto; margin-top: 16px; }
        .active-ad-item {
            background: var(--off-white); border: 1px solid var(--border);
            border-radius: 10px; padding: 12px 16px;
            display: flex; align-items: center; gap: 12px;
        }
        .active-ad-thumb { width: 44px; height: 44px; border-radius: 8px; background: var(--border); overflow: hidden; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; }
        .active-ad-thumb img { width: 100%; height: 100%; object-fit: cover; }
        .active-ad-info { flex: 1; }
        .active-ad-name { font-size: 0.85rem; font-weight: 700; color: var(--navy); }
        .active-ad-type { font-size: 0.7rem; color: var(--text-light); text-transform: uppercase; letter-spacing: 1px; }
        .active-ad-del { background: #fff5f5; color: #e53e3e; border: 1px solid #fecaca; border-radius: 6px; padding: 5px 12px; font-size: 0.72rem; font-weight: 700; cursor: pointer; }
        .active-ad-del:hover { background: #fee2e2; }
        .active-ad-toggle {
            background: #f0fdf4; color: #065f46; border: 1px solid #bbf7d0;
            border-radius: 6px; padding: 5px 12px; font-size: 0.72rem; font-weight: 700; cursor: pointer;
            transition: var(--transition);
        }
        .active-ad-toggle.paused { background: var(--off-white); color: var(--text-light); border-color: var(--border); }

        /* ── SECTIONS ── */
        section { padding: 100px 6%; }
        #advisory-services { scroll-margin-top: 140px; }
        .container { max-width: 1200px; margin: 0 auto; }
        .section-head { text-align: center; max-width: 620px; margin: 0 auto 64px; }
        .section-head h2 { font-size: clamp(2rem, 4vw, 3rem); color: var(--navy); margin-bottom: 16px; }
        .section-head p { color: var(--text-mid); font-size: 1rem; }

        .wr-btn {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            min-height: 42px;
            padding: 10px 16px;
            border-radius: 12px;
            font-family: 'DM Sans', sans-serif;
            font-size: 0.86rem;
            font-weight: 700;
            text-decoration: none;
            line-height: 1;
            transition: var(--transition);
            border: 1px solid transparent;
        }
        .wr-btn-primary {
            background: #d4af37;
            color: #111;
        }
        .wr-btn-primary:hover {
            background: #c49f2d;
            transform: translateY(-1px);
        }
        .wr-btn-outline {
            background: #ffffff;
            color: #0f172a;
            border-color: rgba(0,0,0,0.15);
        }
        .wr-btn-outline:hover {
            border-color: rgba(0,0,0,0.3);
            transform: translateY(-1px);
        }

        /* ── SERVICES ── */
        #services { background: var(--off-white); }
        .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
        .svc-card {
            background: var(--white); border: 1px solid var(--border);
            border-radius: 16px; padding: 40px 36px;
            transition: var(--transition); position: relative; overflow: hidden;
        }
        .svc-card::before {
            content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
            background: linear-gradient(90deg, var(--gold), var(--gold-light));
            transform: scaleX(0); transform-origin: left; transition: transform 0.35s ease;
        }
        .svc-card::after {
            content: ''; position: absolute; bottom: 0; right: 0;
            width: 120px; height: 120px;
            background: radial-gradient(circle, rgba(200,150,12,0.06) 0%, transparent 70%);
            border-radius: 50%; pointer-events: none;
        }
        .svc-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: var(--border-gold); }
        .svc-card:hover::before { transform: scaleX(1); }
        .svc-icon { width: 54px; height: 54px; background: var(--gold-pale); border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 24px; font-size: 1.5rem; border: 1px solid rgba(200,150,12,0.15); }
        .svc-title { font-size: 1.3rem; color: var(--navy); margin-bottom: 12px; line-height: 1.3; word-break: break-word; }
        .svc-desc { color: var(--text-light); font-size: 0.92rem; margin-bottom: 24px; line-height: 1.75; }
        .svc-rate { display: inline-block; background: var(--blue-light); color: var(--navy-mid); font-size: 0.75rem; font-weight: 700; letter-spacing: 1px; padding: 6px 14px; border-radius: 50px; }

        .svc-card.svc-bg {
            background: var(--white);
            isolation: isolate;
            min-height: 430px;
            height: 430px;
            padding: 0;
            display: grid;
            grid-template-rows: 32% 32% 30%;
            align-content: stretch;
            overflow: hidden;
        }
        .svc-card.svc-bg > * {
            position: relative;
            z-index: 2;
        }
        .svc-card.svc-bg::after {
            content: '';
            position: absolute;
            top: 0;
            left: -1px;
            right: -1px;
            height: 32%;
            background-image: linear-gradient(0deg, rgba(255,255,255,0.14), rgba(255,255,255,0.14)), var(--svc-image);
            background-size: cover;
            background-position: center;
            background-repeat: no-repeat;
            z-index: 1;
            border-radius: 16px 16px 0 0;
            pointer-events: none;
        }
        .svc-card.svc-bg > div:first-child {
            margin-top: 0;
            min-height: 0;
            padding: 12px 20px 8px;
            display: flex;
            flex-direction: column;
            justify-content: flex-start;
            align-self: stretch;
            grid-row: 2;
        }
        .svc-card.svc-bg > div:last-child {
            margin-top: 0 !important;
            min-height: 0;
            padding: 12px 20px 20px;
            display: flex;
            align-items: flex-end;
            gap: 10px;
            flex-wrap: wrap;
            border-top: 1px solid rgba(15,42,74,0.08);
            background: linear-gradient(180deg, rgba(255,255,255,0.9), rgba(255,255,255,1));
            align-self: stretch;
            grid-row: 3;
        }
        .svc-card.svc-bg .svc-title {
            color: #0b2547;
            text-shadow: 0 1px 0 rgba(255,255,255,0.5);
            display: inline-block;
            background: rgba(255,255,255,0.68);
            border: 1px solid rgba(15,42,74,0.12);
            border-radius: 10px;
            padding: 6px 10px;
        }
        .svc-card.svc-bg .svc-desc {
            color: #334155;
            font-weight: 500;
            background: rgba(255,255,255,0.62);
            border: 1px solid rgba(15,42,74,0.08);
            border-radius: 12px;
            padding: 10px 12px;
            display: -webkit-box;
            -webkit-line-clamp: 3;
            line-clamp: 3;
            -webkit-box-orient: vertical;
            overflow: hidden;
            margin-bottom: 10px;
        }
        .svc-card.svc-bg .svc-rate {
            background: rgba(241,248,255,0.94);
            color: #0f2a4a;
            border: 1px solid rgba(15,42,74,0.14);
            margin-top: auto;
        }
        .svc-home-loan { --svc-image: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1200&q=80'); }
        .svc-business-loan { --svc-image: url('https://images.unsplash.com/photo-1554224154-26032ffc0d07?auto=format&fit=crop&w=1200&q=80'); }
        .svc-education-loan { --svc-image: url('https://images.unsplash.com/photo-1434030216411-0b793f4b4173?auto=format&fit=crop&w=1200&q=80'); }
        .svc-personal-loan { --svc-image: url('https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?auto=format&fit=crop&w=1200&q=80'); }
        .svc-lap { --svc-image: url('https://images.unsplash.com/photo-1460317442991-0ec209397118?auto=format&fit=crop&w=1200&q=80'); }
        .svc-balance-transfer { --svc-image: url('https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?auto=format&fit=crop&w=1200&q=80'); }
        .svc-property-listing { --svc-image: url('https://images.unsplash.com/photo-1494526585095-c41746248156?auto=format&fit=crop&w=1200&q=80'); }
        .svc-investment { --svc-image: url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=1200&q=80'); }
        .svc-mutual-funds { --svc-image: url('https://images.unsplash.com/photo-1559526324-593bc073d938?auto=format&fit=crop&w=1200&q=80'); }
        .svc-insurance { --svc-image: url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1200&q=80'); }
        .svc-legal { --svc-image: url('https://images.unsplash.com/photo-1589829545856-d10d557cf95f?auto=format&fit=crop&w=1200&q=80'); }
        .svc-ca { --svc-image: url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1200&q=80'); }

        #real-estate-marketplace .services-grid {
            align-items: stretch;
        }
        .marketplace-card {
            display: flex;
            flex-direction: column;
            justify-content: space-between;
        }
        .marketplace-actions {
            margin-top: 14px;
            display: flex;
            gap: 10px;
            flex-wrap: wrap;
        }

        .partner-network-grid {
            display: grid;
            grid-template-columns: repeat(3, minmax(0, 1fr));
            gap: 28px;
            max-width: 1200px;
            margin: 0 auto;
        }
        .partner-group-box {
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 14px;
            padding: 20px;
        }
        .partner-group-heading {
            font-size: 1.05rem;
            color: var(--navy);
            margin-bottom: 14px;
            font-weight: 700;
        }
        .partner-list-compact {
            list-style: none;
            padding: 0;
            margin: 0;
            display: flex;
            flex-direction: column;
            gap: 9px;
        }
        .partner-list-compact li {
            color: var(--text-mid);
            font-size: 0.92rem;
            line-height: 1.4;
        }
        .partner-services-wrap {
            background: var(--white);
            border-radius: 12px;
            padding: 24px;
            margin-top: 26px;
            border: 1px solid var(--border);
        }
        .partner-services-grid {
            display: grid;
            grid-template-columns: repeat(4, minmax(0, 1fr));
            gap: 12px;
        }
        .partner-service-chip {
            padding: 10px;
            background: var(--off-white);
            border-radius: 8px;
            text-align: center;
            color: var(--text-mid);
            font-size: 0.86rem;
            line-height: 1.3;
        }

        /* ── STATS ── */
        .stats-banner { background: linear-gradient(135deg, var(--navy) 0%, #0d3260 100%); padding: 70px 6%; position: relative; overflow: hidden; }
        .stats-banner::before {
            content: ''; position: absolute; top: -100px; right: -100px;
            width: 400px; height: 400px; border-radius: 50%;
            background: radial-gradient(circle, rgba(200,150,12,0.12) 0%, transparent 70%);
        }
        .stats-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; text-align: center; position: relative; z-index: 1; }
        .stat-item { padding: 24px; border-radius: 16px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.07); transition: var(--transition); }
        .stat-item:hover { background: rgba(255,255,255,0.08); transform: translateY(-4px); }
        .stat-num { font-family: 'DM Serif Display', serif; font-size: 3rem; color: var(--gold-light); line-height: 1; margin-bottom: 8px; }
        .stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 2px; font-weight: 600; }

        /* ─── WHATSAPP FLOATING BUTTON ─── */
        .whatsapp-float {
            position: fixed; bottom: 30px; right: 30px; z-index: 999;
            width: 60px; height: 60px; border-radius: 50%;
            background: linear-gradient(135deg, #25d366, #1fa952);
            display: flex; align-items: center; justify-content: center;
            font-size: 1.8rem; cursor: pointer; box-shadow: 0 4px 16px rgba(37, 211, 102, 0.4);
            transition: var(--transition); text-decoration: none; border: none;
        }
        .whatsapp-float:hover { transform: scale(1.15); box-shadow: 0 6px 24px rgba(37, 211, 102, 0.6); }

        /* ── WHY ── */
        #why { background: var(--white); }
        .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
        .why-img-block {
            background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
            border-radius: 24px; aspect-ratio: 4/3;
            display: flex; align-items: center; justify-content: center;
            position: relative; overflow: hidden;
            box-shadow: var(--shadow-lg);
        }
        .why-img-block::before { content: ''; position: absolute; top: -60px; right: -60px; width: 250px; height: 250px; border-radius: 50%; background: rgba(200,150,12,0.15); }
        .why-img-block::after { content: ''; position: absolute; bottom: -40px; left: -40px; width: 200px; height: 200px; border-radius: 50%; background: rgba(245,200,66,0.08); }
        .why-img-inner { text-align: center; color: rgba(255,255,255,0.8); position: relative; z-index: 1; }
        .why-img-icon { font-size: 5rem; margin-bottom: 16px; }
        .why-img-text { font-family: 'DM Serif Display', serif; font-size: 1.4rem; }
        .why-features { display: flex; flex-direction: column; gap: 28px; }
        .why-feature { display: flex; gap: 20px; align-items: flex-start; }
        .why-dot { width: 44px; height: 44px; min-width: 44px; background: var(--gold-pale); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.1rem; border: 1px solid rgba(200,150,12,0.15); transition: var(--transition); }
        .why-feature:hover .why-dot { background: var(--gold); transform: scale(1.05); }
        .why-feature-text h4 { font-size: 1.05rem; color: var(--navy); margin-bottom: 6px; }
        .why-feature-text p { font-size: 0.9rem; color: var(--text-light); line-height: 1.65; }

        /* ── PROCESS ── */
        #process { background: var(--off-white); }
        .steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
        .steps-connector {
            position: absolute; top: 36px; left: calc(12.5% + 24px); right: calc(12.5% + 24px);
            height: 2px; background: repeating-linear-gradient(90deg, var(--border) 0, var(--border) 8px, transparent 8px, transparent 16px);
            z-index: 0;
        }
        .step-card {
            background: var(--white); border: 1px solid var(--border);
            border-radius: 16px; padding: 36px 28px; text-align: center;
            position: relative; transition: var(--transition); z-index: 1;
        }
        .step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--border-gold); }
        .step-n {
            width: 52px; height: 52px; background: var(--navy); color: var(--white);
            border-radius: 50%; display: flex; align-items: center; justify-content: center;
            font-family: 'DM Serif Display', serif; font-size: 1.15rem; margin: 0 auto 20px;
            box-shadow: 0 4px 16px rgba(15,42,74,0.25);
            transition: var(--transition);
        }
        .step-card:hover .step-n { background: var(--gold); transform: scale(1.08); }
        .step-title { font-size: 1.05rem; color: var(--navy); margin-bottom: 10px; }
        .step-desc { font-size: 0.88rem; color: var(--text-light); line-height: 1.65; }

        /* ── BLOG ── */
        #blog { background: var(--off-white); }
        .blog-header { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 50px; }
        .blog-header-left h2 { font-size: clamp(2rem, 4vw, 3rem); color: var(--navy); }
        .blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
        .blog-card {
            background: var(--white); border: 1px solid var(--border);
            border-radius: 16px; overflow: hidden; transition: var(--transition);
            display: flex; flex-direction: column; cursor: pointer;
        }
        .blog-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: var(--border-gold); }
        .blog-card-thumb {
            height: 200px; position: relative; overflow: hidden;
            background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
            display: flex; align-items: center; justify-content: center;
        }
        .blog-card-thumb img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.5s ease; }
        .blog-card:hover .blog-card-thumb img { transform: scale(1.06); }
        .blog-thumb-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(15,42,74,0.5) 0%, transparent 60%); }
        .blog-thumb-fallback { font-size: 3.5rem; }
        .blog-card-body { padding: 28px; flex: 1; display: flex; flex-direction: column; }
        .blog-tag { display: inline-block; background: var(--gold-pale); color: var(--gold); font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; padding: 5px 12px; border-radius: 50px; margin-bottom: 14px; }
        .blog-title { font-size: 1.12rem; color: var(--navy); margin-bottom: 10px; line-height: 1.4; }
        .blog-excerpt { font-size: 0.88rem; color: var(--text-light); line-height: 1.72; flex: 1; margin-bottom: 20px; }
        .blog-footer { display: flex; align-items: center; justify-content: space-between; border-top: 1px solid var(--border); padding-top: 16px; }
        .blog-meta-info { display: flex; flex-direction: column; gap: 2px; }
        .blog-author { font-size: 0.78rem; font-weight: 600; color: var(--navy); }
        .blog-date { font-size: 0.72rem; color: var(--text-light); }
        .blog-read-more {
            display: inline-flex; align-items: center; gap: 6px; background: var(--navy);
            color: var(--white); text-decoration: none; font-size: 0.72rem; font-weight: 700;
            text-transform: uppercase; letter-spacing: 1px; padding: 8px 16px; border-radius: 50px;
            transition: var(--transition); border: none; cursor: pointer;
        }
        .blog-read-more:hover { background: var(--gold); color: var(--navy); }
        .blog-empty { grid-column: 1 / -1; text-align: center; padding: 80px 20px; color: var(--text-light); }
        .blog-empty-icon { font-size: 3.5rem; margin-bottom: 16px; }
        .blog-empty h3 { font-size: 1.4rem; color: var(--navy); margin-bottom: 8px; }

        /* Sponsored blog card style */
        .blog-card.sponsored-card {
            border-color: rgba(200,150,12,0.3);
            background: linear-gradient(135deg, var(--white) 0%, var(--gold-pale) 100%);
        }
        .blog-card.sponsored-card .blog-card-thumb { background: linear-gradient(135deg, #8B6914 0%, var(--gold) 100%); }
        .blog-card.sponsored-card .blog-title { color: var(--navy); }
        .sponsored-ribbon {
            position: absolute; top: 12px; left: 12px; z-index: 5;
            background: var(--gold); color: var(--navy);
            font-size: 0.6rem; font-weight: 700; text-transform: uppercase;
            letter-spacing: 1.5px; padding: 4px 10px; border-radius: 4px;
        }

        .blog-section {
            padding: 80px 5%;
            background: #f8f9fc;
        }
        .blog-section .blog-header {
            text-align: center;
            max-width: 800px;
            margin: 0 auto 50px;
        }
        .blog-section .blog-header h2 {
            font-size: 42px;
            color: #0b1f3a;
            margin-bottom: 15px;
        }
        .blog-section .blog-header p {
            color: #666;
            line-height: 1.8;
        }
        .blog-section .blog-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 30px;
        }
        .blog-section .blog-card {
            background: #fff;
            border-radius: 15px;
            overflow: hidden;
            box-shadow: 0 8px 20px rgba(0,0,0,0.08);
            transition: 0.3s;
        }
        .blog-section .blog-card:hover {
            transform: translateY(-8px);
        }
        .blog-section .blog-card img {
            width: 100%;
            height: 220px;
            object-fit: cover;
        }
        .blog-section .blog-content {
            padding: 25px;
        }
        .blog-section .blog-category {
            color: #d4af37;
            font-size: 13px;
            font-weight: 600;
            text-transform: uppercase;
        }
        .blog-section .blog-content h3 {
            margin: 12px 0;
            color: #0b1f3a;
            font-size: 22px;
        }
        .blog-section .blog-content p {
            color: #666;
            line-height: 1.7;
            margin-bottom: 15px;
        }
        .blog-section .blog-content a {
            color: #d4af37;
            text-decoration: none;
            font-weight: 600;
        }

        /* ── POST READER ── */
        .post-reader-overlay {
            position: fixed; inset: 0; background: rgba(8, 18, 32, 0.78);
            z-index: 3000; display: flex; align-items: flex-start; justify-content: center;
            padding: 40px 20px; opacity: 0; visibility: hidden;
            transition: opacity 0.35s ease, visibility 0.35s; overflow-y: auto;
            backdrop-filter: blur(4px);
        }
        .post-reader-overlay.open { opacity: 1; visibility: visible; }
        .post-reader {
            background: var(--white); border-radius: 20px; width: 100%; max-width: 760px;
            position: relative; transform: translateY(24px);
            transition: transform 0.4s cubic-bezier(0.25, 0.8, 0.25, 1); overflow: hidden; margin: auto;
        }
        .post-reader-overlay.open .post-reader { transform: translateY(0); }
        .post-reader-hero { width: 100%; height: 320px; object-fit: cover; display: block; }
        .post-reader-hero-fallback { width: 100%; height: 220px; background: linear-gradient(135deg, var(--navy), var(--navy-mid)); display: flex; align-items: center; justify-content: center; font-size: 5rem; }
        .post-reader-close {
            position: absolute; top: 16px; right: 16px; width: 38px; height: 38px;
            background: rgba(255,255,255,0.9); border: none; border-radius: 50%; cursor: pointer;
            font-size: 1rem; display: flex; align-items: center; justify-content: center;
            color: var(--text); transition: var(--transition); z-index: 10; backdrop-filter: blur(8px);
        }
        .post-reader-close:hover { background: #fde8e8; color: #e53e3e; transform: rotate(90deg); }
        .post-reader-body { padding: 44px 52px 56px; }
        .post-reader-meta { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; flex-wrap: wrap; }
        .post-reader-tag { background: var(--gold-pale); color: var(--gold); font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; padding: 5px 14px; border-radius: 50px; }
        .post-reader-date { font-size: 0.78rem; color: var(--text-light); }
        .post-reader-title { font-size: clamp(1.8rem, 3.5vw, 2.5rem); color: var(--navy); margin-bottom: 16px; line-height: 1.2; }
        .post-reader-byline { display: flex; align-items: center; gap: 10px; margin-bottom: 36px; padding-bottom: 28px; border-bottom: 1px solid var(--border); }
        .post-reader-avatar { width: 38px; height: 38px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; color: var(--white); font-family: 'DM Serif Display', serif; font-size: 0.85rem; }
        .post-reader-byline-info { font-size: 0.82rem; color: var(--text-light); }
        .post-reader-byline-info strong { display: block; color: var(--navy); font-size: 0.88rem; }
        .reader-content { display: flex; flex-direction: column; gap: 24px; }
        .reader-paragraph { font-size: 1rem; color: var(--text-mid); line-height: 1.85; }
        .reader-image-block { border-radius: 12px; overflow: hidden; }
        .reader-image-block img { width: 100%; display: block; max-height: 400px; object-fit: cover; }
        .reader-image-caption { font-size: 0.78rem; color: var(--text-light); text-align: center; padding: 10px 0 0; font-style: italic; }
        .reader-pullquote { border-left: 4px solid var(--gold); padding: 16px 24px; background: var(--gold-pale); border-radius: 0 10px 10px 0; font-family: 'DM Serif Display', serif; font-size: 1.15rem; color: var(--navy); font-style: italic; }
        .reader-keypoints { background: var(--blue-light); border-radius: 12px; padding: 24px 28px; }
        .reader-keypoints h5 { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--navy-mid); margin-bottom: 14px; }
        .reader-keypoints ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
        .reader-keypoints ul li { font-size: 0.9rem; color: var(--text); display: flex; gap: 10px; align-items: flex-start; }
        .reader-keypoints ul li::before { content: '✓'; color: var(--gold); font-weight: 700; margin-top: 1px; flex-shrink: 0; }
        .post-reader-cta { margin-top: 40px; padding-top: 32px; border-top: 1px solid var(--border); text-align: center; }
        .post-reader-cta p { font-size: 0.9rem; color: var(--text-light); margin-bottom: 16px; }

        /* ── ADMIN / MODALS ── */
        .admin-trigger { position: fixed; bottom: 30px; right: 30px; width: 52px; height: 52px; background: var(--navy); color: var(--white); border: none; border-radius: 50%; cursor: pointer; display: flex; align-items: center; justify-content: center; font-size: 1.1rem; z-index: 500; box-shadow: var(--shadow-md); transition: var(--transition); }
        .admin-trigger:hover { background: var(--gold); transform: scale(1.1) rotate(90deg); }

        .scroll-top { position: fixed; bottom: 30px; left: 30px; width: 44px; height: 44px; background: rgba(15,42,74,0.85); color: var(--white); border: none; border-radius: 50%; cursor: pointer; display: flex; align-items: center; justify-content: center; font-size: 1rem; z-index: 500; box-shadow: var(--shadow-md); transition: var(--transition); opacity: 0; pointer-events: none; backdrop-filter: blur(8px); }
        .scroll-top.visible { opacity: 1; pointer-events: all; }
        .scroll-top:hover { background: var(--gold); transform: translateY(-3px); }

        .modal-overlay { position: fixed; inset: 0; background: rgba(10,20,40,0.65); backdrop-filter: blur(4px); z-index: 2000; display: flex; align-items: center; justify-content: center; padding: 20px; opacity: 0; visibility: hidden; transition: opacity 0.3s ease, visibility 0.3s; overflow-y: auto; }
        .modal-overlay.open { opacity: 1; visibility: visible; }
        .modal-box { background: var(--white); border-radius: 20px; padding: 48px; width: 100%; max-width: 600px; position: relative; transform: translateY(20px); transition: transform 0.35s ease; max-height: 92vh; overflow-y: auto; margin: auto; }
        .modal-overlay.open .modal-box { transform: translateY(0); }
        .modal-close { position: absolute; top: 16px; right: 16px; width: 32px; height: 32px; background: var(--off-white); border: none; border-radius: 50%; cursor: pointer; font-size: 1rem; display: flex; align-items: center; justify-content: center; color: var(--text-mid); transition: var(--transition); }
        .modal-close:hover { background: #fde8e8; color: #e53e3e; }
        .modal-h { font-size: 1.6rem; color: var(--navy); margin-bottom: 6px; }
        .modal-sub { font-size: 0.88rem; color: var(--text-light); margin-bottom: 28px; }

        .form-field { margin-bottom: 18px; }
        .form-field label { display: block; font-size: 0.75rem; font-weight: 600; color: var(--text-mid); text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px; }
        .form-field input, .form-field select, .form-field textarea { width: 100%; padding: 11px 14px; border: 1.5px solid var(--border); border-radius: 10px; font-family: 'DM Sans', sans-serif; font-size: 0.9rem; color: var(--text); background: var(--white); outline: none; transition: border-color 0.25s; }
        .form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--gold); }
        .form-field textarea { resize: vertical; min-height: 90px; }
        .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

        .content-blocks-area { border: 1.5px solid var(--border); border-radius: 12px; padding: 16px; background: var(--off-white); min-height: 60px; margin-bottom: 10px; }
        .content-block-item { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 14px; margin-bottom: 10px; position: relative; }
        .content-block-item:last-child { margin-bottom: 0; }
        .block-type-label { font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--gold); margin-bottom: 8px; }
        .block-textarea { width: 100%; border: none; outline: none; font-family: 'DM Sans', sans-serif; font-size: 0.9rem; color: var(--text); resize: none; min-height: 72px; background: transparent; }
        .block-input { width: 100%; border: none; outline: none; font-family: 'DM Sans', sans-serif; font-size: 0.88rem; color: var(--text); background: transparent; }
        .block-caption-input { width: 100%; border: none; outline: none; font-family: 'DM Sans', sans-serif; font-size: 0.8rem; color: var(--text-light); background: transparent; margin-top: 8px; border-top: 1px solid var(--border); padding-top: 8px; }
        .block-remove { position: absolute; top: 10px; right: 10px; width: 24px; height: 24px; background: #fff5f5; border: 1px solid #fecaca; border-radius: 6px; cursor: pointer; font-size: 0.75rem; display: flex; align-items: center; justify-content: center; color: #e53e3e; transition: var(--transition); }
        .block-remove:hover { background: #fee2e2; }
        .add-block-btns { display: flex; gap: 8px; flex-wrap: wrap; }
        .add-block-btn { background: var(--white); border: 1.5px solid var(--border); border-radius: 8px; padding: 8px 14px; font-size: 0.75rem; font-weight: 600; color: var(--navy); cursor: pointer; transition: var(--transition); display: flex; align-items: center; gap: 6px; }
        .add-block-btn:hover { border-color: var(--gold); color: var(--gold); background: var(--gold-pale); }
        .content-block-item.type-image { border-left: 3px solid #3b82f6; }
        .content-block-item.type-pullquote { border-left: 3px solid var(--gold); }
        .content-block-item.type-keypoints { border-left: 3px solid #22c55e; }
        .form-submit { width: 100%; background: var(--navy); color: var(--white); border: none; border-radius: 50px; padding: 14px; font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; cursor: pointer; transition: var(--transition); margin-top: 8px; }
        .form-submit:hover { background: var(--gold); color: var(--navy); }
        .error-msg { color: #e53e3e; font-size: 0.82rem; margin-top: 6px; display: none; }
        .error-msg.show { display: block; }
        .success-banner { background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 10px; padding: 14px 18px; color: #166534; font-size: 0.88rem; margin-bottom: 20px; display: none; }
        .success-banner.show { display: block; }
        .eligibility-card { box-shadow: var(--shadow-sm); }
        .eligibility-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
        .eligibility-result { transition: background 0.25s ease, border-color 0.25s ease; }
        .eligibility-result.success { background: #ecfdf5; border-color: #bbf7d0; }
        .eligibility-result.warning { background: #fef3c7; border-color: #fde68a; }
        .eligibility-result.danger { background: #fef2f2; border-color: #fecaca; }
        .post-actions { display: flex; gap: 8px; margin-top: 10px; }
        .post-delete { background: #fff5f5; color: #e53e3e; border: 1px solid #fecaca; border-radius: 6px; padding: 5px 12px; font-size: 0.73rem; font-weight: 700; cursor: pointer; transition: var(--transition); }
        .post-delete:hover { background: #fee2e2; }
        .keypoint-inputs { display: flex; flex-direction: column; gap: 6px; }
        .keypoint-row { display: flex; gap: 8px; align-items: center; }
        .keypoint-row input { flex: 1; border: 1px solid var(--border); border-radius: 8px; padding: 7px 10px; font-size: 0.85rem; outline: none; }
        .keypoint-row input:focus { border-color: var(--gold); }
        .keypoint-remove { background: #fff5f5; border: 1px solid #fecaca; border-radius: 6px; width: 28px; height: 28px; cursor: pointer; color: #e53e3e; font-size: 0.85rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
        .add-keypoint-btn { background: none; border: 1px dashed var(--border); border-radius: 8px; padding: 6px 12px; font-size: 0.78rem; color: var(--text-light); cursor: pointer; transition: var(--transition); }
        .add-keypoint-btn:hover { border-color: var(--gold); color: var(--gold); }
        .img-preview { margin-top: 8px; border-radius: 8px; overflow: hidden; max-height: 140px; display: none; }
        .img-preview img { width: 100%; height: 140px; object-fit: cover; display: block; }
        .img-preview.show { display: block; }
        .read-time { display: inline-flex; align-items: center; gap: 4px; font-size: 0.72rem; color: var(--text-light); background: var(--off-white); padding: 3px 10px; border-radius: 50px; }

        /* ── FAQ ── */
        #faq { background: var(--white); }
        .faq-list { max-width: 760px; margin: 0 auto; }
        .faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; transition: var(--transition); }
        .faq-item:hover { border-color: var(--border-gold); box-shadow: var(--shadow-sm); }
        .faq-q { display: flex; justify-content: space-between; align-items: center; padding: 22px 28px; cursor: pointer; gap: 20px; }
        .faq-q-text { font-size: 1rem; font-weight: 600; color: var(--navy); }
        .faq-toggle { width: 28px; height: 28px; min-width: 28px; background: var(--off-white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1rem; color: var(--gold); font-weight: 700; transition: var(--transition); }
        .faq-item.open .faq-toggle { transform: rotate(45deg); background: var(--gold-pale); }
        .faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
        .faq-a-inner { padding: 0 28px 22px; color: var(--text-mid); font-size: 0.95rem; line-height: 1.75; }
        .faq-item.open .faq-a { max-height: 200px; }

        /* ── CONTACT ── */
        #contact { background: linear-gradient(135deg, var(--navy) 0%, #0d3260 100%); position: relative; overflow: hidden; }
        #contact::before { content: ''; position: absolute; top: -150px; right: -150px; width: 500px; height: 500px; border-radius: 50%; background: radial-gradient(circle, rgba(200,150,12,0.12) 0%, transparent 70%); }
        .contact-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1.4fr; gap: 80px; align-items: start; position: relative; z-index: 1; }
        .contact-info .eyebrow { color: var(--gold-light); }
        .contact-info .eyebrow::before { background: var(--gold-light); }
        .contact-info h2 { font-size: 2.6rem; color: var(--white); margin-bottom: 36px; }
        .cinfo-item { margin-bottom: 30px; }
        .cinfo-label { font-size: 0.7rem; color: var(--gold-light); text-transform: uppercase; letter-spacing: 3px; font-weight: 700; margin-bottom: 6px; }
        .cinfo-val { font-size: 1rem; color: rgba(255,255,255,0.85); }
        .contact-form-card { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12); border-radius: 20px; padding: 44px 40px; backdrop-filter: blur(12px); }
        .cf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
        .cf-full { grid-column: 1 / -1; }
        .cf-field label { display: block; font-size: 0.72rem; font-weight: 600; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px; }
        .cf-field input, .cf-field select, .cf-field textarea { width: 100%; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.15); border-radius: 10px; padding: 12px 16px; color: var(--white); font-family: 'DM Sans', sans-serif; font-size: 0.92rem; outline: none; transition: border-color 0.25s; }
        .cf-field input:focus, .cf-field select:focus, .cf-field textarea:focus { border-color: var(--gold-light); background: rgba(255,255,255,0.10); }
        .cf-field select option { background: var(--navy); }
        .cf-field textarea { resize: vertical; min-height: 90px; }
        .cf-submit { width: 100%; background: var(--gold-light); color: var(--navy); border: none; border-radius: 50px; padding: 15px; font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; cursor: pointer; transition: var(--transition); margin-top: 20px; }
        .cf-submit:hover { background: var(--white); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }

        /* ── FOOTER ── */
        footer { background: var(--off-white); padding: 70px 6% 36px; border-top: 1px solid var(--border); }
        .footer-grid { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 60px; margin-bottom: 60px; }
        .footer-brand p { color: var(--text-light); font-size: 0.88rem; margin: 18px 0 24px; max-width: 260px; line-height: 1.75; }
        .footer-col h5 { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 3px; color: var(--navy); margin-bottom: 20px; }
        .footer-links { list-style: none; }
        .footer-links li { margin-bottom: 12px; }
        .footer-links a { color: var(--text-light); text-decoration: none; font-size: 0.88rem; transition: color 0.25s; display: inline-flex; align-items: center; gap: 6px; }
        .footer-links a:hover { color: var(--navy); }
        .footer-links a::before { content: ''; width: 0; height: 1px; background: var(--gold); transition: width 0.25s; display: block; }
        .footer-links a:hover::before { width: 12px; }
        .footer-advertise-link { background: none; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; font-size: 0.88rem; color: var(--gold); font-weight: 600; padding: 0; text-decoration: underline; text-underline-offset: 3px; }
        .footer-advertise-link:hover { color: var(--navy); }
        .footer-bottom { max-width: 1200px; margin: 0 auto; padding-top: 28px; border-top: 1px solid var(--border); display: flex; justify-content: space-between; align-items: center; font-size: 0.75rem; color: var(--text-light); }
        .footer-disc { max-width: 1200px; margin: 24px auto 0; font-size: 0.68rem; color: var(--text-light); line-height: 1.8; }

        /* ── REVEAL ── */
        .reveal { opacity: 0; transform: translateY(32px); transition: opacity 0.7s ease, transform 0.7s ease; }
        .reveal.visible { opacity: 1; transform: translateY(0); }
        .delay-1 { transition-delay: 0.1s; }
        .delay-2 { transition-delay: 0.2s; }
        .delay-3 { transition-delay: 0.3s; }
        .delay-4 { transition-delay: 0.4s; }

        /* ── RESPONSIVE ── */
        @media (max-width: 1024px) {
            .hero-content-grid { grid-template-columns: 1fr; gap: 50px; }
            .services-grid { grid-template-columns: 1fr 1fr; }
            .partner-network-grid { grid-template-columns: 1fr 1fr; }
            .partner-services-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
            .steps-grid { grid-template-columns: 1fr 1fr; }
            .stats-grid { grid-template-columns: 1fr 1fr; }
            .blog-grid { grid-template-columns: 1fr 1fr; }
            .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
            .steps-connector { display: none; }
            .sponsors-grid { grid-template-columns: 1fr 1fr; }
            .property-listing-page .page-hero .hero-stat-grid { grid-template-columns: 1fr; }
        }
        @media (max-width: 768px) {
            .nav-list { display: none; }
            .hero { padding: 100px 6% 60px; }
            .services-grid, .steps-grid, .blog-grid, .why-grid, .contact-grid { grid-template-columns: 1fr; }
            .partner-network-grid { grid-template-columns: 1fr; gap: 14px; }
            .partner-services-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
            .wr-btn { width: 100%; }
            .stats-grid { grid-template-columns: 1fr 1fr; }
            .cf-grid { grid-template-columns: 1fr; }
            .blog-header { flex-direction: column; align-items: flex-start; gap: 16px; }
            .footer-grid { grid-template-columns: 1fr; gap: 32px; }
            .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
            .modal-box { padding: 28px 20px; }
            .post-reader-body { padding: 28px 24px 40px; }
            .post-reader-hero { height: 220px; }
            .form-row { grid-template-columns: 1fr; }
            .hero-trust { gap: 10px; }
            .ad-banner-card { flex-direction: column; align-items: flex-start; gap: 12px; }
            .sponsors-grid { grid-template-columns: 1fr; }
            .ad-type-selector { grid-template-columns: 1fr; }
            .page-hero .hero-stat-grid { grid-template-columns: 1fr; }
            .page-tab-bar {
                display: grid;
                grid-template-columns: 1fr;
                gap: 10px;
                margin-bottom: 18px;
            }
            .page-tab {
                width: 100%;
                white-space: normal;
                text-align: center;
            }
            .property-listing-page .page-hero { padding: 60px 6% 120px; }
            .property-listing-page .page-section { margin: -28px auto 60px; padding: 40px 22px; }
            .property-listing-page .loan-intro-grid,
            .property-listing-page .loan-benefits-grid,
            .property-listing-page .loan-info-list,
            .property-listing-page #liveListingsGrid,
            .property-listing-page #property-news-grid,
            .property-listing-page .hero-stat-grid,
            .property-listing-page .loan-stats {
                grid-template-columns: 1fr !important;
            }
            .property-listing-page .loan-intro-card,
            .property-listing-page .benefit-card {
                padding: 20px;
                border-radius: 16px;
            }
            .property-listing-page .page-hero h1 {
                font-size: clamp(2rem, 8vw, 2.5rem);
            }
            .property-listing-page #propertyInquiryModal {
                padding: 14px;
            }
            .property-listing-page #propertyInquiryModal > div {
                margin: 16px auto;
                padding: 16px;
            }
        }

        @media (max-width: 420px) {
            .property-listing-page .page-section {
                padding: 28px 14px;
            }
            .property-listing-page .contact-form-card {
                padding: 16px !important;
            }
            .property-listing-page .page-tab {
                padding: 10px 14px;
            }
        }