/* ==========================================================
   Vishtra Money — website template
   Brand: blue #25397E, gold #C19435 (from the Classic V logo)
   ========================================================== */
:root {
  --blue: #25397E;
  --blue-900: #16224D;      /* shade of brand blue: dark text, footer */
  --blue-700: #1D2E68;
  --blue-50: #EEF1F9;       /* tint of brand blue: soft panels */
  --gold: #C19435;
  --gold-700: #8A6420;      /* shade of brand gold: gold text on white */
  --gold-50: #FAF4E6;       /* tint of brand gold */
  --ink: #1B2340;
  --muted: #56607A;
  --line: #E3E6EF;
  --bg: #FFFFFF;
  --bg-soft: #F7F8FC;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(22, 34, 77, .08);
  --container: 1200px;
  --font: 'Jost', system-ui, sans-serif;
  --font-display: 'Cinzel', Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg); font-size: 16px; line-height: 1.6; }
img, svg { display: block; max-width: 100%; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--gold-700); }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 .5em; color: var(--blue-900); }
p { margin: 0 0 1em; }
.container { width: min(var(--container), 100% - 32px); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.icon { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 46px; padding: 0 22px; border-radius: 999px; font: 600 15px/1 var(--font); border: 2px solid transparent; cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .2s; white-space: nowrap; }
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--blue-900); }
.btn-gold:hover { background: #D1A445; color: var(--blue-900); }
.btn-blue { background: var(--blue); color: #fff; }
.btn-blue:hover { background: var(--blue-700); color: #fff; }
.btn-outline { border-color: var(--blue); color: var(--blue); background: transparent; }
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-ghost { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-ghost:hover { background: #fff; color: var(--blue); }

/* ---------- top bar ---------- */
.topbar { background: var(--blue-900); color: #DCE2F2; font-size: 14px; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 40px; flex-wrap: wrap; }
.topbar a { color: #fff; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--gold); }
.topbar .icon { width: 16px; height: 16px; }
.topbar-links { display: flex; gap: 20px; }
.ticker { display: flex; align-items: center; gap: 10px; }
.ticker strong { background: var(--gold); color: var(--blue-900); padding: 2px 10px; border-radius: 999px; font-size: 12px; letter-spacing: .5px; }

/* ---------- header ---------- */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); backdrop-filter: blur(8px); }
.header .container { display: flex; align-items: center; gap: 24px; min-height: 76px; }
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand svg { height: 62px; width: auto; }
.nav { margin-left: auto; }
.nav ul { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; }
.nav a { display: block; padding: 10px 14px; border-radius: 8px; color: var(--ink); font-weight: 500; }
.nav a:hover, .nav a.active { color: var(--blue); background: var(--blue-50); }
.header-cta { display: flex; gap: 10px; }
.menu-toggle { display: none; margin-left: auto; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 10px; background: #fff; color: var(--blue); cursor: pointer; align-items: center; justify-content: center; }

/* ---------- hero ---------- */
.hero { background: var(--blue); color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 520px; height: 520px; border-radius: 50%; border: 70px solid rgba(193,148,53,.12); pointer-events: none; }
.hero .container { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; padding: 72px 0 96px; position: relative; z-index: 1; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--gold-700); margin-bottom: 14px; }
.hero .eyebrow { color: var(--gold); }
.eyebrow::before { content: ""; width: 28px; height: 2px; background: currentColor; }
.hero h1 { color: #fff; font-size: clamp(34px, 5vw, 56px); font-weight: 600; letter-spacing: -.5px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-lead { font-size: 19px; color: #DCE2F2; max-width: 560px; margin-bottom: 28px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-points { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 26px; padding: 0; margin: 0; color: #DCE2F2; }
.hero-points li { display: flex; align-items: center; gap: 8px; }
.hero-points .icon { color: var(--gold); width: 20px; height: 20px; }

/* hero visual: app preview */
.hero-visual { display: flex; justify-content: center; position: relative; }
.phone { width: 300px; background: #fff; border-radius: 34px; padding: 12px; box-shadow: 0 30px 60px rgba(8, 14, 38, .45); color: var(--ink); }
.phone-screen { border-radius: 24px; overflow: hidden; background: var(--bg-soft); }
.phone-head { background: var(--blue); color: #fff; padding: 22px 18px 20px; }
.phone-head small { color: #C9D1EA; display: block; font-size: 12px; }
.phone-head strong { font-size: 26px; display: block; margin: 2px 0 12px; }
.phone-head .chips { display: flex; gap: 8px; }
.phone-head .chips span { background: rgba(255,255,255,.14); border-radius: 999px; padding: 4px 10px; font-size: 11px; }
.phone-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; padding: 16px; }
.phone-grid div { background: #fff; border-radius: 12px; padding: 12px 4px; display: flex; flex-direction: column; align-items: center; gap: 6px; font-size: 11px; font-weight: 500; text-align: center; color: var(--blue-900); box-shadow: 0 2px 6px rgba(22,34,77,.06); }
.phone-grid .icon { color: var(--blue); width: 22px; height: 22px; }
.phone-grid div:nth-child(3n+2) .icon { color: var(--gold-700); }
.phone-txn { margin: 0 16px 16px; background: #fff; border-radius: 12px; padding: 12px 14px; display: flex; align-items: center; gap: 10px; font-size: 12px; }
.phone-txn .dot { width: 34px; height: 34px; border-radius: 50%; background: var(--gold-50); color: var(--gold-700); display: flex; align-items: center; justify-content: center; }
.phone-txn .dot .icon { width: 18px; height: 18px; }
.phone-txn b { display: block; font-size: 13px; color: var(--blue-900); }
.phone-txn span { margin-left: auto; color: #1F7A4D; font-weight: 600; white-space: nowrap; }
.float-card { position: absolute; background: #fff; color: var(--ink); border-radius: 14px; padding: 12px 16px; box-shadow: var(--shadow); display: flex; align-items: center; gap: 10px; font-size: 13px; }
.float-card .icon { color: var(--gold-700); }
.float-card b { display: block; color: var(--blue-900); font-size: 15px; }
.float-card.one { left: 0; top: 60px; }
.float-card.two { right: 0; bottom: 70px; }

/* ---------- stats strip ---------- */
.stats { margin-top: -48px; position: relative; z-index: 2; }
.stats-grid { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.stat { padding: 26px 24px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat b { display: block; font-size: 32px; color: var(--blue); line-height: 1.1; }
.stat span { color: var(--muted); font-size: 15px; }

/* ---------- sections ---------- */
.section { padding: 96px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 48px; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); font-weight: 600; }
.section-head p { color: var(--muted); font-size: 18px; }

/* services tabs */
.tabs { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-bottom: 36px; }
.tab { min-height: 46px; padding: 0 20px; border-radius: 999px; border: 1px solid var(--line); background: #fff; font: 500 15px var(--font); color: var(--ink); cursor: pointer; display: inline-flex; align-items: center; gap: 8px; }
.tab .icon { width: 20px; height: 20px; color: var(--blue); }
.tab[aria-selected="true"] { background: var(--blue); border-color: var(--blue); color: #fff; }
.tab[aria-selected="true"] .icon { color: var(--gold); }
.tab-panel { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.tab-panel[hidden] { display: none; }
.service-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; transition: box-shadow .2s, transform .2s, border-color .2s; display: flex; flex-direction: column; }
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; }
.service-card .badge { width: 54px; height: 54px; border-radius: 14px; background: var(--blue-50); color: var(--blue); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.service-card:nth-child(even) .badge { background: var(--gold-50); color: var(--gold-700); }
.service-card .badge .icon { width: 28px; height: 28px; }
.service-card h3 { font-size: 20px; margin-bottom: 8px; }
.service-card p { color: var(--muted); font-size: 15px; flex-grow: 1; }
.link-more { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; font-size: 15px; }
.link-more .icon { width: 18px; height: 18px; }

/* why us */
.why-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.why-card { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--line); display: flex; gap: 18px; }
.why-card .num { width: 52px; height: 52px; border-radius: 50%; background: var(--blue); color: var(--gold); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.why-card h3 { font-size: 19px; margin-bottom: 6px; }
.why-card p { color: var(--muted); font-size: 15px; margin: 0; }

/* opportunities */
.opps { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; max-width: 920px; margin: 0 auto; }
.opp { border-radius: 18px; padding: 34px 30px; border: 1px solid var(--line); background: #fff; display: flex; flex-direction: column; }
.opp.featured { background: var(--blue); color: #fff; border-color: var(--blue); }
.opp.featured h3 { color: #fff; }
.opp.featured p, .opp.featured li { color: #DCE2F2; }
.opp .tag { align-self: flex-start; font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; background: var(--gold-50); color: var(--gold-700); padding: 4px 12px; border-radius: 999px; margin-bottom: 18px; }
.opp.featured .tag { background: var(--gold); color: var(--blue-900); }
.opp h3 { font-size: 24px; }
.opp p { color: var(--muted); }
.opp ul { list-style: none; padding: 0; margin: 8px 0 28px; display: grid; gap: 10px; flex-grow: 1; }
.opp li { display: flex; gap: 10px; font-size: 15px; }
.opp li .icon { width: 20px; height: 20px; color: var(--gold); margin-top: 2px; }

/* calculator */
.calc { display: grid; grid-template-columns: 1.1fr .9fr; gap: 0; background: #fff; border-radius: 20px; overflow: hidden; box-shadow: var(--shadow); }
.calc-form { padding: 40px; display: grid; gap: 26px; }
.calc-row label { display: flex; justify-content: space-between; font-weight: 500; margin-bottom: 10px; }
.calc-row label output { color: var(--blue); font-weight: 600; }
.calc-row input[type="range"] { width: 100%; accent-color: var(--blue); height: 28px; }
.calc-rate { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--muted); margin-top: 6px; }
.calc-rate label { display: inline; margin: 0; font-weight: 400; }
.calc-rate input { width: 90px; min-height: 36px; border: 1px solid var(--line); border-radius: 8px; padding: 0 10px; font: inherit; color: var(--ink); }
.calc-result { background: var(--blue); color: #fff; padding: 40px; display: flex; flex-direction: column; justify-content: center; }
.calc-result small { color: #C9D1EA; font-size: 15px; }
.calc-result .total { font-size: clamp(40px, 5vw, 56px); font-weight: 600; color: var(--gold); line-height: 1.1; margin: 6px 0 20px; }
.calc-result .split { display: grid; gap: 10px; border-top: 1px solid rgba(255,255,255,.15); padding-top: 20px; margin-bottom: 26px; font-size: 15px; }
.calc-result .split div { display: flex; justify-content: space-between; color: #DCE2F2; }
.calc-note { font-size: 13px; color: #AEB8DA; margin-top: 16px; }

/* steps */
.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; counter-reset: step; }
.step { position: relative; padding: 34px 28px 28px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.step::before { counter-increment: step; content: "0" counter(step); position: absolute; top: 22px; right: 26px; font: 700 40px/1 var(--font-display); color: #EADBB8; }
.step .badge { width: 56px; height: 56px; border-radius: 50%; background: var(--gold); color: var(--blue-900); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.step h3 { font-size: 20px; }
.step p { color: var(--muted); margin: 0; font-size: 15px; }

/* partners */
.partners { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 16px; }
.partner-logo { height: 96px; border: 1px solid var(--line); border-radius: 12px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px; color: var(--blue-900); font-size: 14px; font-weight: 500; background: #fff; text-align: center; padding: 8px; }
.partner-logo .icon { color: var(--gold-700); width: 28px; height: 28px; }

/* testimonials */
.quotes { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.quote { margin: 0; background: #fff; border-radius: var(--radius); padding: 30px; border: 1px solid var(--line); display: flex; flex-direction: column; gap: 18px; }
.quote .stars { display: flex; gap: 2px; color: var(--gold); }
.quote .stars .icon { width: 18px; height: 18px; fill: currentColor; stroke: none; }
.quote blockquote { margin: 0; color: var(--ink); flex-grow: 1; }
.quote figcaption { display: flex; align-items: center; gap: 12px; }
.avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--blue-50); color: var(--blue); display: flex; align-items: center; justify-content: center; font-weight: 600; }
.quote figcaption b { display: block; color: var(--blue-900); }
.quote figcaption span { color: var(--muted); font-size: 14px; }

/* join / lead form */
.join { background: var(--blue); color: #fff; border-radius: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 48px; padding: 56px; position: relative; overflow: hidden; }
.join::before { content: ""; position: absolute; left: -90px; bottom: -90px; width: 300px; height: 300px; border-radius: 50%; border: 50px solid rgba(193,148,53,.12); }
.join > * { position: relative; }
.join h2 { color: #fff; font-size: clamp(28px, 3.4vw, 40px); font-weight: 600; }
.join p { color: #DCE2F2; font-size: 18px; }
.app-badges { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 26px; }
.store-btn { display: inline-flex; align-items: center; gap: 10px; min-height: 54px; padding: 0 18px; border-radius: 12px; background: var(--blue-900); color: #fff; border: 1px solid rgba(255,255,255,.2); }
.store-btn:hover { color: var(--gold); }
.store-btn small { display: block; font-size: 11px; color: #C9D1EA; line-height: 1.2; }
.store-btn b { display: block; font-size: 16px; line-height: 1.2; }
.lead-form { background: #fff; color: var(--ink); border-radius: 18px; padding: 32px; display: grid; gap: 16px; }
.lead-form h3 { font-size: 22px; margin: 0; }
.field { display: grid; gap: 6px; }
.field label { font-weight: 500; font-size: 14px; }
.field input, .field select { min-height: 48px; border: 1px solid #CBD1E0; border-radius: 10px; padding: 0 14px; font: inherit; color: var(--ink); background: #fff; }
.field input:focus, .field select:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--blue); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.join .lead-form .form-note { font-size: 13px; color: var(--muted); margin: 0; }
.form-success { background: #EAF6EF; color: #1F6B45; border-radius: 10px; padding: 12px 14px; font-size: 15px; }

/* faq */
.faq { max-width: 860px; margin: 0 auto; display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 0 22px; }
.faq summary { cursor: pointer; list-style: none; min-height: 60px; display: flex; align-items: center; justify-content: space-between; gap: 16px; font-weight: 600; color: var(--blue-900); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .icon { color: var(--gold-700); transition: transform .2s; }
.faq details[open] summary .icon { transform: rotate(45deg); }
.faq details p { color: var(--muted); padding-bottom: 18px; margin: 0; }

/* footer */
.footer { background: var(--blue-900); color: #C9D1EA; padding: 72px 0 0; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.footer .brand svg { height: 64px; }
.footer h4 { color: #fff; font-size: 16px; margin-bottom: 16px; letter-spacing: .5px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer a { color: #C9D1EA; }
.footer a:hover { color: var(--gold); }
.footer-about p { margin: 18px 0; max-width: 340px; }
.contact-list li { display: flex; gap: 10px; align-items: flex-start; }
.contact-list .icon { width: 18px; height: 18px; color: var(--gold); margin-top: 3px; }
.socials { display: flex; gap: 10px; }
.socials a { width: 44px; height: 44px; border-radius: 50%; border: 1px solid rgba(255,255,255,.2); display: flex; align-items: center; justify-content: center; }
.socials a:hover { background: var(--gold); color: var(--blue-900); border-color: var(--gold); }
.socials .icon { width: 18px; height: 18px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 56px; padding: 22px 0; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 14px; }

/* floating enquiry */
.float-enquire { position: fixed; right: 18px; bottom: 18px; z-index: 60; box-shadow: 0 10px 24px rgba(22,34,77,.3); }

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .header-cta .btn-outline { display: none; }
  .nav a { padding: 10px 10px; }
  .partners { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 960px) {
  .menu-toggle { display: inline-flex; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); display: none; padding: 12px 16px 20px; }
  .nav.open { display: block; }
  .nav ul { flex-direction: column; }
  .header-cta { display: none; }
  .hero .container { grid-template-columns: 1fr; padding: 56px 0 96px; }
  .hero-visual { margin-top: 12px; }
  .tab-panel, .why-grid, .opps, .quotes, .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calc, .join { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
}
@media (max-width: 640px) {
  .topbar .ticker, .topbar-links a[href^="mailto"] { display: none; }
  .topbar .container { justify-content: flex-end; }
  .topbar a { white-space: nowrap; }
  .phone-head .chips span { white-space: nowrap; font-size: 10px; padding: 4px 8px; }
  .phone-head .chips { gap: 6px; }
  .phone-txn { font-size: 11px; }
  .stat { padding: 20px 12px; }
  .brand svg { height: 48px; }
  .section { padding: 72px 0; }
  .tab-panel, .why-grid, .opps, .quotes, .steps, .footer-grid { grid-template-columns: 1fr; }
  .partners { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .float-card { display: none; }
  .phone { width: 270px; }
  .join { padding: 32px 20px; }
  .lead-form { padding: 24px 18px; }
  .field-row { grid-template-columns: 1fr; }
  .calc-form, .calc-result { padding: 28px 20px; }
  .stat b { font-size: 22px; }
}

/* ==========================================================
   Multi-page additions
   ========================================================== */
/* page banner */
.page-hero { background: var(--blue); color: #fff; padding: 56px 0 64px; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -100px; top: -140px; width: 420px; height: 420px; border-radius: 50%; border: 60px solid rgba(193,148,53,.12); }
.page-hero .container { position: relative; z-index: 1; }
.page-hero .eyebrow { color: var(--gold); }
.page-hero h1 { color: #fff; font-size: clamp(30px, 4.4vw, 48px); font-weight: 600; max-width: 760px; }
.page-hero p { color: #DCE2F2; font-size: 18px; max-width: 640px; margin: 0; }
.breadcrumb { display: flex; gap: 8px; font-size: 14px; color: #C9D1EA; margin-bottom: 18px; }
.breadcrumb a { color: #fff; }
.breadcrumb a:hover { color: var(--gold); }

/* call-to-action band */
.cta-band { background: var(--blue); color: #fff; border-radius: 20px; padding: 44px 48px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.cta-band h2 { color: #fff; font-size: clamp(24px, 3vw, 32px); font-weight: 600; margin-bottom: 6px; }
.cta-band p { color: #DCE2F2; margin: 0; max-width: 560px; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; flex-shrink: 0; }

/* home: category cards */
.cat-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 18px; }
.cat-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; color: var(--ink); transition: box-shadow .2s, transform .2s, border-color .2s; }
.cat-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; color: var(--ink); }
.cat-card .badge { width: 54px; height: 54px; border-radius: 14px; background: var(--blue); color: var(--gold); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.cat-card .badge .icon { width: 28px; height: 28px; }
.cat-card h3 { font-size: 19px; }
.cat-card p { color: var(--muted); font-size: 15px; flex-grow: 1; }
.center-cta { text-align: center; margin-top: 36px; }

/* services page */
.cat-nav-wrap { position: sticky; top: 77px; z-index: 40; background: #fff; border-bottom: 1px solid var(--line); }
.cat-nav { display: flex; gap: 8px; overflow-x: auto; padding: 12px 0; scrollbar-width: none; }
.cat-nav::-webkit-scrollbar { display: none; }
.cat-nav a { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 0 18px; border-radius: 999px; border: 1px solid var(--line); color: var(--ink); font-weight: 500; white-space: nowrap; }
.cat-nav a .icon { width: 20px; height: 20px; color: var(--blue); }
.cat-nav a:hover, .cat-nav a.active { background: var(--blue); border-color: var(--blue); color: #fff; }
.cat-nav a:hover .icon, .cat-nav a.active .icon { color: var(--gold); }
.service-section { scroll-margin-top: 150px; padding: 72px 0; }
.service-section-head { display: flex; align-items: center; gap: 18px; margin-bottom: 32px; }
.service-section-head .badge { width: 60px; height: 60px; border-radius: 16px; background: var(--blue); color: var(--gold); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.service-section-head .badge .icon { width: 30px; height: 30px; }
.service-section-head h2 { font-size: clamp(24px, 3vw, 32px); margin-bottom: 4px; }
.service-section-head p { color: var(--muted); margin: 0; }

/* partner page */
.opp-details { display: grid; gap: 72px; }
.opp-detail { display: grid; grid-template-columns: .85fr 1.15fr; gap: 56px; align-items: center; scroll-margin-top: 100px; }
.opp-detail.flip { grid-template-columns: 1.15fr .85fr; }
.opp-detail.flip .opp-visual { order: 2; }
.opp-visual { aspect-ratio: 4 / 3; border-radius: 22px; background: var(--blue-50); color: var(--blue); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 16px; font: 600 22px var(--font); position: relative; overflow: hidden; }
.opp-visual::after { content: ""; position: absolute; width: 260px; height: 260px; border-radius: 50%; border: 40px solid rgba(37,57,126,.06); right: -80px; bottom: -80px; }
.opp-visual .icon { width: 96px; height: 96px; stroke-width: 1.2; }
.opp-visual.gold { background: var(--blue); color: var(--gold); }
.opp-visual.gold span { color: #fff; }
.opp-detail .tag { display: inline-block; font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; background: var(--gold-50); color: var(--gold-700); padding: 4px 12px; border-radius: 999px; margin-bottom: 14px; }
.opp-detail h2 { font-size: clamp(26px, 3vw, 34px); }
.opp-detail > div > p { color: var(--muted); font-size: 17px; }
.check-list { list-style: none; padding: 0; margin: 18px 0 28px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 24px; }
.check-list li { display: flex; gap: 10px; }
.check-list .icon { width: 20px; height: 20px; color: var(--gold); margin-top: 3px; }

/* about page */
.about-split { display: grid; grid-template-columns: 1.2fr .8fr; gap: 56px; align-items: center; }
.about-split h2 { font-size: clamp(28px, 3.4vw, 38px); font-weight: 600; }
.about-split p { color: var(--muted); font-size: 17px; }
.about-panel { background: var(--blue-50); border-radius: 24px; padding: 48px 32px; display: flex; flex-direction: column; align-items: center; gap: 12px; }
.about-logo svg { width: 220px; height: 220px; }
.about-tagline { font: italic 500 24px "Cormorant Garamond", Georgia, serif; color: var(--blue) !important; margin: 0; }
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.mv-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 36px; }
.mv-card .num { width: 56px; height: 56px; border-radius: 50%; background: var(--blue); color: var(--gold); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.mv-card.gold .num { background: var(--gold); color: var(--blue-900); }
.mv-card h3 { font-size: 24px; }
.mv-card p { color: var(--muted); font-size: 17px; margin: 0; }
.stats-standalone { margin: 0 0 96px; }

/* contact page */
.contact-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; }
.contact-card .badge { width: 52px; height: 52px; border-radius: 50%; background: var(--gold-50); color: var(--gold-700); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.contact-card h3 { font-size: 19px; margin-bottom: 6px; }
.contact-card p { margin: 0 0 4px; font-weight: 500; }
.contact-card small { color: var(--muted); font-size: 14px; }
.map-placeholder { height: 340px; border-radius: 20px; border: 1px dashed #C8CEDD; background: var(--bg-soft); color: #8A93AB; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; text-align: center; padding: 16px; }
.map-placeholder .icon { width: 40px; height: 40px; color: var(--gold-700); }
#enquiry { scroll-margin-top: 90px; }

/* legal pages */
.legal > * { max-width: 860px; }
.legal h2 { font-size: 22px; margin-top: 36px; }
.legal p { color: var(--muted); }
.legal .legal-note { background: var(--gold-50); color: var(--gold-700); border-radius: 12px; padding: 14px 18px; }

@media (max-width: 1080px) {
  .cat-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .contact-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 960px) {
  .cta-band { flex-direction: column; align-items: flex-start; padding: 36px 28px; }
  .opp-detail, .opp-detail.flip, .about-split { grid-template-columns: 1fr; gap: 28px; }
  .opp-detail.flip .opp-visual { order: 0; }
  .opp-visual { aspect-ratio: 16 / 7; }
}
@media (max-width: 640px) {
  .cat-grid, .contact-cards, .mv-grid, .check-list { grid-template-columns: 1fr; }
  .page-hero { padding: 40px 0 48px; }
  .stats-standalone { margin-bottom: 72px; }
  .opp-visual .icon { width: 64px; height: 64px; }
  .about-logo svg { width: 170px; height: 170px; }
}