:root {
  --cream:#F2F2F4; --cream-deep:#E8E8EC; --cream-mid:#DDDDE2;
  --white:#FFFFFF;
  --navy:#0D1B2A; --navy-mid:#152333; --navy-light:#1E3047;
  --brown:#8B6F47; --brown-dark:#6B5234; --brown-light:#A68B5B; --brown-pale:#EEEAE0;
  --text-dark:#1A1A2E; --text-mid:#4A4A5A; --text-muted:#7A7A8A;
  --border:rgba(26,26,46,0.08); --border-brown:rgba(139,111,71,0.22);
  --shadow-xs:0 1px 4px rgba(26,26,46,0.05);
  --shadow-sm:0 4px 16px rgba(26,26,46,0.07);
  --shadow-md:0 8px 32px rgba(26,26,46,0.09);
  --grey-light:#E8E8EC; --grey-mid:#7A7A8A; --grey-dark:#4A4A5A;
  --accent:#8B6F47; --accent-light:#A68B5B;
  --text-light:rgba(255,255,255,0.7);
}

* { margin:0; padding:0; box-sizing:border-box; }

html { scroll-behavior:smooth; }

body { font-family:'DM Sans',sans-serif; background:var(--cream); color:var(--navy); overflow-x:hidden; }

.about { background:var(--white); }

.about-feat { background:var(--cream); border-radius:8px; padding:14px 18px; border-left:3px solid var(--brown); font-size:0.84rem; font-weight:500; color:var(--text-mid); }

.about-features { display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-top:28px; }

.about-img { border-radius:12px; overflow:hidden; position:relative; }

.about-img img { width:100%; height:420px; object-fit:cover; border-radius:12px; }

.about-img-badge { position:absolute; bottom:24px; left:24px; background:var(--navy); color:var(--white); padding:14px 20px; border-radius:8px; font-family:'Cormorant Garamond',serif; font-size:1.3rem; font-weight:700; border-left:4px solid var(--brown); }

.about-img-badge span { display:block; font-family:'DM Sans',sans-serif; font-size:0.72rem; color:rgba(255,255,255,0.55); font-weight:400; margin-top:2px; letter-spacing:0.06em; text-transform:uppercase; }

.about-inner { display:grid; grid-template-columns:1fr 1fr; gap:72px; align-items:center; max-width:1200px; margin:0 auto; }

.action-btn {font-size:0.72rem;font-weight:600;padding:4px 10px;border-radius:4px;cursor:pointer;border:none;font-family:'DM Sans',sans-serif;transition:all 0.18s;}

.action-del {background:#fff0f0;color:#c0392b;}

.action-del:hover {background:#c0392b;color:white;}

.action-feat {background:var(--brown-pale);color:var(--brown-dark);}

.action-feat:hover {background:var(--brown);color:white;}

.admin-bar {display:none;align-items:center;justify-content:space-between;padding:10px 48px;background:var(--navy);border-bottom:2px solid var(--brown);}

.admin-bar-left {display:flex;align-items:center;gap:12px;}

.admin-bar-right {display:flex;gap:10px;}

.admin-name {color:var(--brown-light);font-size:0.82rem;font-weight:600;}

.admin-tag {color:rgba(255,255,255,0.5);font-size:0.78rem;}

.annex-item { background:var(--white); border-left:4px solid var(--accent); border-radius:0 8px 8px 0; padding:16px 18px; }

.annex-item h5 { font-size:0.85rem; font-weight:700; color:var(--navy); margin-bottom:6px; }

.annex-item p { font-size:0.84rem; color:var(--grey-dark); line-height:1.6; }

.annexure-c { display:grid; grid-template-columns:1fr; gap:12px; margin-bottom:36px; }

.bar-btn {display:inline-flex;align-items:center;gap:7px;padding:7px 16px;border-radius:6px;font-family:'DM Sans',sans-serif;font-size:0.82rem;font-weight:600;cursor:pointer;border:none;transition:all 0.2s;}

.bar-btn-gold {background:var(--brown);color:white;}

.bar-btn-gold:hover {background:var(--brown-dark);}

.bar-btn-outline {background:rgba(255,255,255,0.08);color:rgba(255,255,255,0.7);border:1px solid rgba(255,255,255,0.15);}

.bar-btn-outline:hover {background:rgba(255,255,255,0.14);color:white;}

.benefit-card { background:var(--white); border:1px solid var(--border); border-top:3px solid var(--brown); border-radius:10px; padding:28px; transition:transform 0.2s,box-shadow 0.2s; }

.benefit-card .big-num { font-family:'Cormorant Garamond',serif; font-size:2rem; font-weight:700; color:var(--brown); line-height:1; margin-bottom:6px; display:block; }

.benefit-card h3 { font-family:'Cormorant Garamond',serif; font-size:1.2rem; font-weight:700; color:var(--navy); margin-bottom:8px; }

.benefit-card p { font-size:0.85rem; color:var(--text-mid); line-height:1.65; }

.benefit-card-icon { font-size:2.2rem; margin-bottom:14px; }

.benefit-card:hover { transform:translateY(-4px); box-shadow:var(--shadow-md); }

.benefit-grid { display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-bottom:48px; }

.benefit-icon { font-size:1.6rem; margin-bottom:10px; }

.benefits-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-bottom:52px; }

.blog-hero {background:var(--navy);padding:64px 60px 52px;position:relative;overflow:hidden;}

.blog-hero h1 {font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,3.5vw,3rem);font-weight:700;color:var(--white);line-height:1.2;margin-bottom:14px;}

.blog-hero h1 span {color:var(--brown-light);}

.blog-hero p {color:rgba(255,255,255,0.6);font-size:0.97rem;line-height:1.75;max-width:560px;}

.blog-hero-inner {max-width:1200px;margin:0 auto;position:relative;z-index:2;}

.blog-hero-tag {color:var(--brown-light);font-size:0.72rem;letter-spacing:0.22em;text-transform:uppercase;font-weight:700;margin-bottom:12px;}

.blog-hero::after {content:'';position:absolute;bottom:-80px;left:60px;width:240px;height:240px;border-radius:50%;border:1px solid rgba(139,111,71,0.12);pointer-events:none;}

.blog-hero::before {content:'';position:absolute;top:-100px;right:-60px;width:400px;height:400px;border-radius:50%;border:1px solid rgba(139,111,71,0.18);pointer-events:none;}

.blog-main {max-width:1200px;margin:0 auto;padding:60px 60px 80px;display:grid;grid-template-columns:1fr 340px;gap:52px;align-items:start;}

.breadcrumb { background:var(--white); border-bottom:1px solid var(--border); padding:12px 60px; }

.breadcrumb-inner { max-width:1100px; margin:0 auto; display:flex; align-items:center; gap:8px; font-size:0.82rem; color:var(--grey-dark); }

.breadcrumb-inner a { color:var(--brown); text-decoration:none; }

.breadcrumb-inner a:hover { color:var(--navy); }

.btn-cancel {background:none;color:var(--text-mid);border:1.5px solid var(--border);padding:11px 22px;border-radius:6px;font-family:'DM Sans',sans-serif;font-weight:500;font-size:0.88rem;cursor:pointer;}

.btn-outline {border:2px solid var(--brown);color:var(--brown);padding:11px 28px;border-radius:6px;font-weight:600;font-size:0.88rem;cursor:pointer;background:none;font-family:'DM Sans',sans-serif;transition:all 0.2s;}

.btn-outline:hover {background:var(--brown);color:white;}

.btn-primary { background:var(--navy); color:var(--white); padding:14px 32px; border-radius:6px; font-weight:600; font-size:0.9rem; text-decoration:none; letter-spacing:0.03em; transition:background 0.2s,transform 0.15s,box-shadow 0.2s; display:inline-block; box-shadow:0 4px 16px rgba(13,27,42,0.2); }

.btn-primary-sm {background:var(--navy);color:white;border:none;padding:11px 26px;border-radius:6px;font-family:'DM Sans',sans-serif;font-weight:600;font-size:0.88rem;cursor:pointer;transition:background 0.2s;}

.btn-primary-sm:hover {background:var(--navy-light);}

.btn-primary:hover { background:var(--navy-light); transform:translateY(-2px); box-shadow:0 8px 24px rgba(13,27,42,0.25); }

.btn-publish {background:var(--brown) !important;}

.btn-publish:hover {background:var(--brown-dark) !important;}

.cat-btn {background:var(--white);border:1.5px solid var(--border);color:var(--text-mid);padding:6px 16px;border-radius:20px;font-size:0.8rem;font-weight:500;cursor:pointer;transition:all 0.2s;font-family:'DM Sans',sans-serif;}

.cat-btn:hover,.cat-btn.active {background:var(--navy);border-color:var(--navy);color:white;}

.category-filters {display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px;}

.ci { width:30px; height:30px; background:rgba(139,111,71,0.10); border-radius:6px; display:flex; align-items:center; justify-content:center; font-size:0.9rem; flex-shrink:0; }

.cluster-box { background:var(--navy); border-radius:10px; padding:28px 24px; color:var(--white); display:grid; grid-template-columns:1fr 1fr; gap:24px; margin-bottom:14px; }

.cluster-item h4 { color:var(--accent-light); font-size:0.82rem; font-weight:700; text-transform:uppercase; letter-spacing:.08em; margin-bottom:10px; }

.cluster-item p { font-size:0.87rem; color:rgba(255,255,255,.8); line-height:1.6; }

.contact { background:var(--cream-deep); }

.contact-detail { display:flex; align-items:flex-start; gap:14px; margin-bottom:20px; }

.contact-detail-icon { width:40px; height:40px; background:rgba(200,146,42,0.15); border-radius:8px; display:flex; align-items:center; justify-content:center; flex-shrink:0; color:var(--brown-light); }

.contact-detail-text { color:rgba(255,255,255,0.88); font-size:0.86rem; line-height:1.65; }

.contact-detail-text a { color:rgba(255,255,255,0.88); text-decoration:none; }

.contact-detail-text a:hover { color:var(--brown-light); }

.contact-detail-text strong { color:var(--brown-light); display:block; font-size:0.72rem; letter-spacing:0.1em; text-transform:uppercase; margin-bottom:3px; font-weight:600; }

.contact-form { background:var(--white); border-radius:16px; padding:44px 40px; box-shadow:var(--shadow-md); }

.contact-form h3 { font-family:'Cormorant Garamond',serif; font-size:1.7rem; color:var(--navy); margin-bottom:28px; font-weight:700; }

.contact-info { background:var(--navy); border-radius:16px; padding:48px 40px; }

.contact-info .section-tag { color:var(--brown-light); }

.contact-info h2 { font-family:'Cormorant Garamond',serif; font-size:2.2rem; color:var(--white); margin-bottom:14px; font-weight:700; }

.contact-info p { color:rgba(255,255,255,0.68); font-size:0.9rem; line-height:1.75; margin-bottom:32px; }

.contact-inner { max-width:1100px; margin:0 auto; display:grid; grid-template-columns:1fr 1.2fr; gap:60px; align-items:start; }

.contact-row { display:flex; align-items:center; gap:10px; padding:9px 0; border-bottom:1px solid var(--grey-light); font-size:0.83rem; color:var(--navy-mid); }

.contact-row a { color:var(--accent); text-decoration:none; }

.contact-row a:hover { color:var(--navy); }

.contact-row:last-child { border-bottom:none; }

.content { }

.content-list { list-style:none; margin-bottom:36px; }

.content-list li { display:flex; gap:14px; padding:14px 0; border-bottom:1px solid var(--grey-light); font-size:0.9rem; color:var(--navy-mid); line-height:1.6; }

.content-list li::before { content:'✓'; color:var(--accent); font-weight:700; margin-top:-3px; }

.content-list li:last-child { border-bottom:none; }

.cta-btn { display:block; background:var(--accent); color:var(--white); text-align:center; padding:12px 18px; border-radius:6px; font-weight:600; font-size:0.87rem; text-decoration:none; margin-bottom:10px; transition:background 0.2s,transform 0.2s; }

.cta-btn.outline { background:transparent; border:1.5px solid rgba(139,111,71,0.4); color:var(--text-light); }

.cta-btn.outline:hover { background:rgba(139,111,71,0.12); color:var(--white); }

.cta-btn:hover { background:#7A5E35; transform:translateY(-2px); }

.data-table { width:100%; border-collapse:collapse; margin:16px 0 36px; font-size:0.87rem; }

.data-table tbody td { padding:12px 16px; color:var(--navy-mid); vertical-align:top; }

.data-table tbody td:first-child { font-weight:600; color:var(--navy); }

.data-table tbody tr { border-bottom:1px solid var(--grey-light); transition:background 0.15s; }

.data-table tbody tr:hover { background:rgba(139,111,71,0.05); }

.data-table thead th { padding:12px 16px; text-align:left; font-weight:600; letter-spacing:0.03em; font-size:0.78rem; text-transform:uppercase; }

.data-table thead th:first-child { border-radius:8px 0 0 0; }

.data-table thead th:last-child { border-radius:0 8px 0 0; }

.data-table thead tr { background:var(--navy); color:var(--white); }

.def-card { background:var(--navy); border-radius:10px; padding:22px 20px; color:var(--white); border-top:3px solid var(--accent); }

.def-card .metric { margin-bottom:10px; }

.def-card .metric label { display:block; font-size:0.72rem; color:rgba(255,255,255,.5); text-transform:uppercase; letter-spacing:.06em; margin-bottom:3px; }

.def-card .metric value { display:block; font-size:1rem; font-weight:600; color:var(--white); }

.def-card .type { font-size:0.7rem; letter-spacing:0.16em; text-transform:uppercase; color:var(--accent-light); font-weight:700; margin-bottom:14px; }

.def-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:14px; margin-bottom:48px; }

.divider { width:48px; height:3px; background:var(--brown); border-radius:2px; margin:10px 0 24px; }

.doc-icon { width:30px; height:30px; background:rgba(139,111,71,0.10); border-radius:6px; display:flex; align-items:center; justify-content:center; font-size:1rem; flex-shrink:0; }

.doc-item { display:flex; align-items:center; gap:10px; background:var(--white); border-radius:8px; padding:12px 16px; font-size:0.84rem; color:var(--navy-mid); box-shadow:var(--shadow-xs); }

.docs-grid { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:40px; }

.dropdown { display:none; position:absolute; top:100%; left:0; background:var(--white); box-shadow:0 12px 40px rgba(13,27,42,0.12); min-width:240px; border-top:2px solid var(--brown); border-radius:0 0 10px 10px; z-index:999; animation:fadeDown 0.18s ease; }

.dropdown a { display:block; padding:11px 22px; color:var(--text-mid); text-decoration:none; font-size:0.88rem; border-bottom:1px solid var(--border); transition:background 0.15s,color 0.15s,padding-left 0.15s; }

.dropdown a:hover { background:var(--cream); color:var(--navy); padding-left:28px; }

.dropdown a:last-child { border-bottom:none; }

.elig-icon { width:28px; height:28px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:0.8rem; font-weight:700; flex-shrink:0; margin-top:1px; }

.elig-icon.no { background:rgba(192,57,43,0.10); color:#c0392b; }

.elig-icon.yes { background:rgba(139,111,71,0.12); color:var(--accent); }

.elig-list { list-style:none; margin-bottom:48px; }

.elig-list li { display:flex; align-items:flex-start; gap:14px; padding:14px 0; border-bottom:1px solid var(--grey-light); font-size:0.88rem; color:var(--navy-mid); line-height:1.6; }

.elig-list li:last-child { border-bottom:none; }

.elig-note { background:rgba(139,111,71,0.08); border:1.5px solid rgba(139,111,71,0.2); border-radius:8px; padding:18px 22px; margin-bottom:52px; }

.elig-note p { font-size:0.87rem; color:var(--text-mid); line-height:1.7; margin:0; }

.elig-note strong { color:var(--brown); }

.exempt-card { background:var(--white); border:1px solid var(--grey-light); border-radius:8px; padding:20px; transition:transform 0.2s, box-shadow 0.2s; }

.exempt-card h4 { display:flex; align-items:center; gap:10px; font-size:0.88rem; font-weight:700; color:var(--navy); margin-bottom:10px; }

.exempt-card h4 .icon { width:30px; height:30px; border-radius:6px; background:var(--navy); display:flex; align-items:center; justify-content:center; font-size:0.9rem; flex-shrink:0; }

.exempt-card p { font-size:0.85rem; color:var(--grey-dark); line-height:1.55; }

.exempt-card:hover { transform:translateY(-2px); box-shadow:0 6px 20px rgba(0,0,0,.07); }

.exempt-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:14px; margin-bottom:14px; }

.feature-card { background:var(--white); border-radius:10px; padding:26px 22px; border-left:4px solid var(--brown); box-shadow:var(--shadow-xs); transition:transform 0.2s,box-shadow 0.2s; }

.feature-card h3 { font-family:'Cormorant Garamond',serif; font-size:1.25rem; font-weight:700; color:var(--navy); margin-bottom:8px; }

.feature-card p { font-size:0.85rem; color:var(--grey-dark); line-height:1.65; }

.feature-card:hover { transform:translateY(-4px); box-shadow:var(--shadow-md); }

.feature-grid { display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-bottom:48px; }

.feature-icon { font-size:1.8rem; margin-bottom:10px; display:block; }

.featured-body {padding:36px 32px;}

.featured-body h2 {font-family:'Cormorant Garamond',serif;font-size:1.65rem;color:var(--navy);line-height:1.25;margin-bottom:12px;font-weight:700;}

.featured-body p {color:var(--text-mid);font-size:0.88rem;line-height:1.75;margin-bottom:18px;}

.featured-post {background:var(--white);border-radius:14px;overflow:hidden;box-shadow:var(--shadow-md);margin-bottom:28px;display:grid;grid-template-columns:1fr 1fr;cursor:pointer;border:1px solid var(--border);transition:transform 0.25s,box-shadow 0.25s;}

.featured-post:hover {transform:translateY(-4px);box-shadow:var(--shadow-lg);}

.featured-thumb {min-height:260px;display:flex;align-items:center;justify-content:center;font-size:4rem;position:relative;overflow:hidden;}

.footer-bottom { border-top:1px solid rgba(255,255,255,0.07); padding-top:24px; display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px; max-width:1100px; margin:0 auto; }

.footer-bottom p { font-size:0.78rem; color:rgba(255,255,255,0.3); }

.footer-brand img { height:52px; margin-bottom:16px; display:block; }

.footer-brand p { font-size:0.84rem; line-height:1.75; color:rgba(255,255,255,0.45); max-width:280px; }

.footer-brand p strong { color:var(--text-dark); }

.footer-brand-map { margin-top:18px; border-radius:8px; overflow:hidden; }

.footer-brand-map iframe { width:100%; height:160px; border:0; filter:grayscale(0.3) opacity(0.8); }

.footer-col h4 { color:rgba(255,255,255,0.35); font-size:0.72rem; letter-spacing:0.16em; text-transform:uppercase; margin-bottom:18px; font-weight:700; }

.footer-col ul { list-style:none; }

.footer-col ul li { margin-bottom:10px; }

.footer-col ul li a { color:rgba(255,255,255,0.55); text-decoration:none; font-size:0.84rem; transition:color 0.2s; }

.footer-col ul li a svg { width:14px; height:14px; flex-shrink:0; }

.footer-col ul li a:hover { color:var(--brown-light); }

.footer-inner { max-width:1100px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:40px; margin-bottom:48px; }

.footer-social { display:flex; gap:10px; margin-top:20px; }

.footer-social a { width:36px; height:36px; background:rgba(255,255,255,0.07); border-radius:8px; display:flex; align-items:center; justify-content:center; color:rgba(255,255,255,0.5); font-size:0.9rem; text-decoration:none; transition:background 0.2s,color 0.2s; }

.footer-social a:hover { background:var(--brown); color:var(--white); }

.form-actions {display:flex;gap:12px;justify-content:flex-end;padding-top:8px;flex-wrap:wrap;}

.form-check {display:flex;align-items:center;gap:10px;font-size:0.88rem;color:var(--text-mid);}

.form-check input[type=checkbox] {width:16px;height:16px;accent-color:var(--brown);cursor:pointer;}

.form-err {color:#c0392b;font-size:0.82rem;margin-top:8px;min-height:18px;}

.form-group {margin-bottom:20px;}

.form-group input,.form-group select,.form-group textarea {width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:'DM Sans',sans-serif;font-size:0.87rem;color:var(--text-dark);background:var(--cream);outline:none;transition:border-color 0.2s,background 0.2s;}

.form-group input:focus,.form-group select:focus,.form-group textarea:focus {border-color:var(--brown);background:white;}

.form-group label {display:block;font-size:0.73rem;font-weight:600;color:var(--text-mid);letter-spacing:0.08em;text-transform:uppercase;margin-bottom:8px;}

.form-group textarea {resize:vertical;min-height:200px;line-height:1.7;}

.form-row {display:grid;grid-template-columns:1fr 1fr;gap:16px;}

.form-submit { width:100%; padding:14px; background:var(--navy); color:var(--white); border:none; border-radius:8px; font-family:'DM Sans',sans-serif; font-size:0.92rem; font-weight:600; cursor:pointer; letter-spacing:0.04em; transition:background 0.2s,transform 0.15s,box-shadow 0.2s; box-shadow:0 4px 16px rgba(13,27,42,0.2); }

.form-submit:hover { background:var(--navy-light); transform:translateY(-1px); box-shadow:0 8px 24px rgba(13,27,42,0.25); }

.form-success { display:none; text-align:center; color:#22a96e; font-weight:600; padding:18px; font-size:0.95rem; }

.format-guide {background:var(--cream);border-radius:8px;padding:12px 16px;font-size:0.78rem;color:var(--text-muted);line-height:1.8;margin-top:8px;}

.format-guide code {background:var(--cream-deep);padding:1px 5px;border-radius:3px;font-family:monospace;color:var(--text-dark);}

.gold-divider { width:48px; height:3px; background:var(--brown); margin:14px 0 28px; border-radius:2px; }

.gold-line {width:48px;height:3px;background:var(--brown);border-radius:2px;margin:14px 0 20px;}

.hamburger { display:none; flex-direction:column; gap:5px; cursor:pointer; padding:4px; border:none; background:none; }

.hamburger span { width:26px; height:2px; background:var(--navy); border-radius:2px; transition:0.3s; display:block; }

.hamburger.open span:nth-child(1) { transform:translateY(7px) rotate(45deg); }

.hamburger.open span:nth-child(2) { opacity:0; }

.hamburger.open span:nth-child(3) { transform:translateY(-7px) rotate(-45deg); }

.hero { position:relative; min-height:auto; display:flex; align-items:center; overflow:hidden; background:var(--cream); }

.hero h1 { font-family:'Cormorant Garamond',serif; font-size:clamp(2rem,3.6vw,3.2rem); font-weight:600; color:var(--navy); line-height:1.25; margin-bottom:18px; letter-spacing:-0.005em; }

.hero h1 span { color:var(--brown-dark); position:relative; }

.hero h1 span::after { content:''; position:absolute; bottom:2px; left:0; right:0; height:6px; background:var(--brown-pale); z-index:-1; border-radius:2px; }

.hero-badge { display:inline-flex; align-items:center; gap:6px; background:var(--white); border:1px solid var(--border); color:var(--brown-dark); font-size:0.7rem; letter-spacing:0.16em; padding:7px 16px; border-radius:24px; margin-bottom:24px; text-transform:uppercase; font-weight:600; box-shadow:var(--shadow-xs); }

.hero-badge::before { content:''; width:6px; height:6px; background:var(--brown); border-radius:50%; }

.hero-bg { display:none; }

.hero-btns { display:flex; gap:14px; flex-wrap:wrap; justify-content:center; }

.hero-content { max-width:700px; padding:0; text-align:center; }

.hero-content > * { opacity:0; animation:heroSlide 0.7s ease forwards; }

.hero-content > *:nth-child(1) { animation-delay:0.1s; }

.hero-content > *:nth-child(2) { animation-delay:0.25s; }

.hero-content > *:nth-child(3) { animation-delay:0.4s; }

.hero-content > *:nth-child(4) { animation-delay:0.55s; }

.hero-content > *:nth-child(5) { animation-delay:0.7s; }

.hero-deco { position:absolute; top:80px; left:48px; width:3px; height:120px; background:linear-gradient(to bottom, var(--brown), transparent); opacity:0.25; }

.hero-deco-dot { position:absolute; top:60px; left:44px; width:11px; height:11px; border-radius:50%; background:var(--brown); opacity:0.18; }

.hero-img-wrap { flex:0 0 auto; position:relative; animation:heroFade 1s ease 0.3s both; }

.hero-img-wrap img { position:relative; z-index:1; border-radius:12px; box-shadow:var(--shadow-lg); }

.hero-img-wrap::before { content:''; position:absolute; top:-16px; right:-16px; width:100%; height:100%; border:2px solid var(--border-brown); border-radius:16px; z-index:0; }

.hero-inner { position:relative; z-index:2; width:100%; display:flex; align-items:center; justify-content:center; padding:52px 80px 48px; gap:60px; flex-wrap:wrap; }

.hero-overlay { position:absolute; inset:0; background:none; }

.hero-pills { display:flex; gap:10px; flex-wrap:wrap; }

.hero-sub { color:var(--text-mid); font-size:0.97rem; line-height:1.75; margin-bottom:20px; max-width:560px; margin-left:auto; margin-right:auto; }

.hero-trust { display:block; text-align:center; background:var(--white); border:1px solid var(--border); border-radius:12px; padding:14px 24px; margin-bottom:28px; box-shadow:var(--shadow-xs); position:relative; overflow:hidden; max-width:560px; margin-left:auto; margin-right:auto; }

.hero-trust p { color:var(--text-mid); font-size:0.84rem; line-height:1.65; margin:0; }

.hero-trust strong { color:var(--navy); font-weight:700; }

.hero-trust::before { content:''; position:absolute; top:0; left:0; right:0; height:3px; background:var(--brown); border-radius:3px 3px 0 0; }

.hero::after { content:''; position:absolute; bottom:-60px; right:160px; width:280px; height:280px; border-radius:50%; border:1px solid var(--border-brown); opacity:0.35; pointer-events:none; }

.hero::before { content:''; position:absolute; top:-120px; right:-80px; width:520px; height:520px; border-radius:50%; border:1px solid var(--border-brown); opacity:0.5; pointer-events:none; }

.important-box { background:rgba(139,111,71,0.06); border:1.5px solid rgba(139,111,71,0.22); border-radius:10px; padding:22px 24px; margin-bottom:40px; }

.important-box h4 { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:700; color:var(--navy); margin-bottom:14px; display:flex; align-items:center; gap:8px; }

.important-box ul { list-style:none; }

.important-box ul li { font-size:0.86rem; color:var(--navy-mid); line-height:1.65; padding:6px 0; padding-left:18px; position:relative; }

.important-box ul li::before { content:'→'; position:absolute; left:0; color:var(--accent); font-weight:700; }

.incentive-heading { font-family:'Cormorant Garamond',serif; font-size:1.3rem; font-weight:700; color:var(--navy); margin-bottom:12px; }

.incentive-num { display:inline-flex; width:32px; height:32px; border-radius:50%; background:var(--navy); color:var(--accent-light); font-size:0.82rem; font-weight:700; align-items:center; justify-content:center; flex-shrink:0; margin-right:10px; vertical-align:middle; }

.incentive-section { margin-bottom:36px; }

.ineligible-list { list-style:none; margin-bottom:36px; }

.ineligible-list li { display:flex; align-items:flex-start; gap:12px; padding:10px 0; border-bottom:1px solid var(--grey-light); font-size:0.87rem; color:var(--navy-mid); }

.ineligible-list li::before { content:'✕'; color:#c0392b; font-weight:700; font-size:0.8rem; margin-top:2px; }

.info-box { background:rgba(139,111,71,0.06); border:1.5px solid rgba(139,111,71,0.22); border-radius:10px; padding:20px 24px; margin-bottom:36px; }

.info-box h4 { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:700; color:var(--navy); margin-bottom:12px; }

.info-box p { font-size:0.86rem; color:var(--navy-mid); line-height:1.65; }

.info-card { background:var(--white); border:1px solid var(--grey-light); border-radius:8px; padding:20px; }

.info-card h4 { font-size:0.82rem; font-weight:700; text-transform:uppercase; letter-spacing:.08em; color:var(--navy); margin-bottom:12px; padding-bottom:8px; border-bottom:2px solid var(--accent); }

.info-card p { font-size:0.87rem; color:var(--grey-dark); line-height:1.65; }

.load-more-wrap {text-align:center;margin-top:32px;}

.loader-wrap {text-align:center;padding:60px 20px;}

.loader-wrap p {color:var(--text-muted);font-size:0.9rem;}

.login-bar {display:none;align-items:center;justify-content:flex-end;padding:8px 48px;background:var(--cream-deep);border-bottom:1px solid var(--border);}

.login-bar-btn {display:inline-flex;align-items:center;gap:7px;padding:7px 16px;border-radius:6px;background:var(--navy);color:white;font-family:'DM Sans',sans-serif;font-size:0.82rem;font-weight:600;cursor:pointer;border:none;}

.login-bar-btn:hover {background:var(--navy-light);}

.login-err {color:#c0392b;font-size:0.82rem;min-height:18px;margin-bottom:8px;}

.login-field {margin-bottom:18px;}

.login-field input {width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:'DM Sans',sans-serif;font-size:0.9rem;outline:none;background:var(--cream);transition:border-color 0.2s;}

.login-field input:focus {border-color:var(--brown);background:white;}

.login-field label {display:block;font-size:0.73rem;font-weight:600;color:var(--text-mid);letter-spacing:0.08em;text-transform:uppercase;margin-bottom:8px;}

.login-modal {background:var(--white);width:100%;max-width:420px;border-radius:16px;overflow:hidden;box-shadow:var(--shadow-lg);animation:modalIn 0.28s ease;}

.login-modal-body {padding:32px 36px;}

.login-modal-head {background:var(--navy);padding:32px 36px 28px;}

.login-modal-head h3 {font-family:'Cormorant Garamond',serif;font-size:1.7rem;font-weight:700;color:white;margin-bottom:6px;}

.login-modal-head p {color:rgba(255,255,255,0.5);font-size:0.84rem;}

.login-modal-overlay {display:none;position:fixed;inset:0;background:rgba(13,27,42,0.82);z-index:4000;align-items:center;justify-content:center;backdrop-filter:blur(4px);}

.login-modal-overlay.open {display:flex;}

.login-submit {width:100%;background:var(--navy);color:white;border:none;padding:13px;border-radius:8px;font-family:'DM Sans',sans-serif;font-weight:600;font-size:0.95rem;cursor:pointer;transition:background 0.2s;}

.login-submit:hover {background:var(--navy-light);}

.logo img { height:72px; object-fit:contain; }

.logo-sub { font-size:0.6rem; letter-spacing:0.18em; text-transform:uppercase; color:var(--accent); font-weight:600; display:block; margin-top:-2px; }

.logo-text { font-family:'Cormorant Garamond',serif; font-size:1.4rem; font-weight:700; color:var(--navy); letter-spacing:0.04em; }

.modal {background:var(--white);max-width:820px;width:100%;border-radius:16px;box-shadow:var(--shadow-lg);overflow:hidden;animation:modalIn 0.28s ease;}

.modal-body {padding:44px 48px 48px;}

.modal-body .info-box {background:var(--brown-pale);border-left:4px solid var(--brown);border-radius:0 8px 8px 0;padding:16px 20px;margin:20px 0;font-size:0.9rem;color:var(--text-mid);line-height:1.75;}

.modal-body h3 {font-family:'Cormorant Garamond',serif;font-size:1.4rem;font-weight:700;color:var(--navy);margin:28px 0 12px;}

.modal-body p {color:var(--text-mid);font-size:0.97rem;line-height:1.85;margin-bottom:18px;}

.modal-body ul {margin:0 0 18px 20px;color:var(--text-mid);font-size:0.95rem;line-height:1.85;}

.modal-body ul li {margin-bottom:6px;}

.modal-cat-tag {color:var(--brown-light);font-size:0.7rem;letter-spacing:0.18em;text-transform:uppercase;font-weight:700;margin-bottom:10px;}

.modal-close-btn {position:absolute;top:20px;right:20px;background:rgba(255,255,255,0.1);border:none;color:white;width:36px;height:36px;border-radius:8px;font-size:1.1rem;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:background 0.2s;}

.modal-close-btn:hover {background:rgba(255,255,255,0.2);}

.modal-cta {background:var(--cream);border-radius:12px;padding:28px 32px;margin-top:8px;text-align:center;border:1px solid var(--border);}

.modal-cta a {display:inline-block;background:var(--navy);color:white;padding:12px 28px;border-radius:6px;font-weight:600;text-decoration:none;transition:background 0.2s;}

.modal-cta a:hover {background:var(--navy-light);}

.modal-cta h4 {font-family:'Cormorant Garamond',serif;font-size:1.3rem;font-weight:700;color:var(--navy);margin-bottom:8px;}

.modal-cta p {font-size:0.86rem;color:var(--text-mid);margin-bottom:16px;}

.modal-head {background:var(--navy);padding:48px 48px 36px;position:relative;}

.modal-meta-row {display:flex;gap:20px;font-size:0.78rem;color:rgba(255,255,255,0.5);flex-wrap:wrap;}

.modal-overlay {display:none;position:fixed;inset:0;background:rgba(13,27,42,0.75);z-index:2000;overflow-y:auto;padding:40px 20px;backdrop-filter:blur(4px);}

.modal-overlay.open {display:flex;align-items:flex-start;justify-content:center;}

.modal-tags {display:flex;gap:8px;flex-wrap:wrap;margin:24px 0;}

.modal-title {font-family:'Cormorant Garamond',serif;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:700;color:var(--white);line-height:1.25;margin-bottom:14px;}

.nav-cta { background:var(--navy) !important; color:var(--white) !important; padding:10px 24px !important; border-radius:6px; font-weight:600 !important; height:auto !important; margin-left:16px; border-bottom:none !important; transition:background 0.2s,transform 0.15s !important; }

.nav-cta:hover { background:var(--navy-light) !important; transform:translateY(-1px) !important; color:var(--white) !important; border-bottom:none !important; }

.nav-links { display:flex; list-style:none; height:80px; align-items:center; }

.nav-links > li { position:relative; height:100%; display:flex; align-items:center; }

.nav-links > li > a { color:var(--text-mid); text-decoration:none; font-size:0.92rem; font-weight:500; padding:0 16px; height:100%; display:flex; align-items:center; letter-spacing:0.01em; transition:color 0.2s; white-space:nowrap; border-bottom:2px solid transparent; }

.nav-links > li > a.active { color:var(--navy); font-weight:600; border-bottom-color:var(--brown); }

.nav-links > li > a:hover { color:var(--navy); border-bottom-color:var(--brown); }

.nav-links > li > a:hover, .nav-links > li > a.active { color:var(--text-dark); border-bottom-color:var(--text-dark); }

.nav-links > li:hover .dropdown { display:block; }

.nav-links>li {position:relative;height:100%;display:flex;align-items:center;}

.nav-links>li:hover .dropdown {display:block;}

.nav-links>li>a {color:var(--text-mid);text-decoration:none;font-size:0.92rem;font-weight:500;padding:0 16px;height:100%;display:flex;align-items:center;letter-spacing:0.01em;transition:color 0.2s;white-space:nowrap;border-bottom:2px solid transparent;}

.nav-links>li>a.active {color:var(--navy);font-weight:600;border-bottom-color:var(--brown);}

.nav-links>li>a:hover {color:var(--navy);border-bottom-color:var(--brown);}

.navy-divider { width:48px; height:3px; background:var(--navy); margin:16px 0 28px; }

.newsletter-form {display:flex;flex-direction:column;gap:10px;}

.newsletter-form button {background:var(--navy);color:white;border:none;padding:11px;border-radius:8px;font-family:'DM Sans',sans-serif;font-weight:600;font-size:0.88rem;cursor:pointer;transition:background 0.2s;}

.newsletter-form button:hover {background:var(--navy-light);}

.newsletter-form input {width:100%;padding:10px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:'DM Sans',sans-serif;font-size:0.87rem;outline:none;background:var(--cream);transition:border-color 0.2s;}

.newsletter-form input:focus {border-color:var(--brown);background:white;}

.no-posts {text-align:center;padding:60px 20px;color:var(--text-muted);}

.no-posts .np-cta {margin-top:18px;display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:white;padding:10px 22px;border-radius:6px;font-size:0.86rem;font-weight:600;cursor:pointer;border:none;font-family:'DM Sans',sans-serif;}

.no-posts p {font-size:0.95rem;margin-top:12px;}

.no-posts svg {opacity:0.4;}

.note-box { background:rgba(139,111,71,0.06); border:1.5px solid rgba(139,111,71,0.22); border-radius:10px; padding:20px 24px; margin-bottom:36px; }

.note-box h4 { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:700; color:var(--navy); margin-bottom:12px; }

.note-box ul { list-style:none; }

.note-box ul li { font-size:0.86rem; color:var(--navy-mid); line-height:1.65; padding:5px 0 5px 18px; position:relative; }

.note-box ul li::before { content:'→'; position:absolute; left:0; color:var(--accent); font-weight:700; }

.page-body { max-width:1100px; margin:0 auto; padding:60px 60px; display:grid; grid-template-columns:1fr 300px; gap:48px; align-items:start; }

.pill { display:inline-flex; align-items:center; gap:6px; background:var(--cream); border:1px solid var(--border); color:var(--text-mid); font-size:0.8rem; padding:7px 14px; border-radius:20px; }

.post-badge {display:inline-flex;align-items:center;gap:5px;background:var(--brown-pale);color:var(--brown-dark);font-size:0.68rem;letter-spacing:0.12em;padding:5px 12px;border-radius:20px;text-transform:uppercase;font-weight:700;}

.post-badges {display:flex;gap:8px;flex-wrap:wrap;margin-bottom:14px;}

.post-card {background:var(--white);border:1px solid var(--border);border-top:3px solid transparent;border-radius:12px;overflow:hidden;cursor:pointer;transition:transform 0.22s,box-shadow 0.22s,border-top-color 0.22s;}

.post-card h3 {font-family:'Cormorant Garamond',serif;font-size:1.12rem;font-weight:700;color:var(--navy);line-height:1.35;margin-bottom:8px;}

.post-card p {font-size:0.82rem;color:var(--text-mid);line-height:1.65;margin-bottom:12px;}

.post-card-actions {display:flex;gap:8px;margin-top:12px;padding-top:10px;border-top:1px solid var(--border);}

.post-card-body {padding:20px 20px 18px;}

.post-card-cat {font-size:0.68rem;letter-spacing:0.14em;text-transform:uppercase;font-weight:700;color:var(--brown-dark);margin-bottom:8px;}

.post-card-meta {font-size:0.74rem;color:var(--text-muted);display:flex;gap:12px;}

.post-card-thumb {height:140px;display:flex;align-items:center;justify-content:center;font-size:2.5rem;}

.post-card:hover {transform:translateY(-5px);box-shadow:var(--shadow-md);border-top-color:var(--brown);}

.post-meta {display:flex;align-items:center;gap:16px;font-size:0.76rem;color:var(--text-muted);margin-bottom:18px;flex-wrap:wrap;}

.posts-grid {display:grid;grid-template-columns:1fr 1fr;gap:22px;}

.posts-header {display:flex;align-items:center;justify-content:space-between;margin-bottom:28px;flex-wrap:wrap;gap:16px;}

.posts-title {font-family:'Cormorant Garamond',serif;font-size:1.6rem;font-weight:700;color:var(--navy);}

.process-steps { margin-bottom:48px; }

.rate-val { font-weight:700; color:var(--navy); }

.rate-val.green { color:#1a8a5e; font-weight:700; }

.rates-table { width:100%; border-collapse:collapse; margin-bottom:48px; font-size:0.87rem; }

.rates-table tbody td { padding:13px 16px; color:var(--navy-mid); }

.rates-table tbody td:first-child { font-weight:600; color:var(--navy); }

.rates-table tbody tr { border-bottom:1px solid var(--grey-light); transition:background 0.15s; }

.rates-table tbody tr:hover { background:rgba(139,111,71,0.05); }

.rates-table thead th { padding:12px 16px; text-align:left; font-weight:600; letter-spacing:0.03em; font-size:0.78rem; text-transform:uppercase; }

.rates-table thead th:first-child { border-radius:8px 0 0 0; }

.rates-table thead th:last-child { border-radius:0 8px 0 0; }

.rates-table thead tr { background:var(--navy); color:var(--white); }

.read-more {color:var(--brown-dark);font-size:0.86rem;font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:6px;transition:gap 0.2s,color 0.2s;background:none;border:none;cursor:pointer;font-family:'DM Sans',sans-serif;padding:0;}

.read-more:hover {gap:10px;color:var(--navy);}

.recent-info h5 {font-size:0.85rem;font-weight:600;color:var(--navy);line-height:1.4;margin-bottom:4px;transition:color 0.18s;}

.recent-info span {font-size:0.72rem;color:var(--text-muted);}

.recent-post {display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--border);cursor:pointer;}

.recent-post:hover .recent-info h5 {color:var(--brown-dark);}

.recent-post:last-child {border-bottom:none;}

.recent-thumb {width:52px;height:52px;border-radius:8px;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:1.4rem;}

.scheme-hero { background:var(--white); border-bottom:1px solid var(--border); padding:52px 60px; position:relative; overflow:hidden; }

.scheme-hero h1 { font-family:'Cormorant Garamond',serif; font-size:clamp(2rem,3.5vw,3rem); font-weight:700; color:var(--navy); line-height:1.2; margin-bottom:10px; }

.scheme-hero h1 span { color:var(--brown-dark); }

.scheme-hero h1 span::after { content:''; position:absolute; bottom:3px; left:0; right:0; height:6px; background:var(--brown-pale); z-index:-1; border-radius:2px; }

.scheme-hero-badge { display:inline-flex; align-items:center; gap:6px; background:var(--cream); border:1px solid var(--border); color:var(--brown-dark); font-size:0.7rem; letter-spacing:0.16em; padding:7px 16px; border-radius:24px; margin-bottom:16px; text-transform:uppercase; font-weight:600; box-shadow:var(--shadow-xs); }

.scheme-hero-badge::before { content:''; width:6px; height:6px; background:var(--brown); border-radius:50%; }

.scheme-hero-inner { max-width:1100px; margin:0 auto; position:relative; z-index:2; }

.scheme-hero-sub { color:var(--text-mid); font-size:0.97rem; line-height:1.75; margin-bottom:24px; max-width:680px; }

.scheme-hero::after { content:''; position:absolute; bottom:-60px; right:160px; width:280px; height:280px; border-radius:50%; border:2px solid var(--border-brown); opacity:0.2; pointer-events:none; }

.scheme-hero::before { content:''; position:absolute; top:-80px; right:-80px; width:400px; height:400px; border-radius:50%; border:1px solid var(--border-brown); opacity:0.4; pointer-events:none; }

.search-bar {display:flex;background:var(--white);border:1.5px solid var(--border);border-radius:8px;overflow:hidden;box-shadow:var(--shadow-xs);}

.search-bar button {background:var(--navy);border:none;padding:9px 14px;cursor:pointer;color:white;display:flex;align-items:center;transition:background 0.2s;}

.search-bar button:hover {background:var(--navy-light);}

.search-bar input {border:none;outline:none;padding:9px 14px;font-family:'DM Sans',sans-serif;font-size:0.86rem;color:var(--text-dark);background:transparent;width:220px;}

.section-sub { color:var(--text-mid); font-size:1rem; max-width:560px; line-height:1.75; }

.section-sub.light { color:rgba(255,255,255,0.7); }

.section-tag { color:var(--brown); font-size:0.72rem; letter-spacing:0.2em; text-transform:uppercase; font-weight:600; margin-bottom:8px; }

.section-title { font-family:'Cormorant Garamond',serif; font-size:clamp(1.5rem,2.5vw,2rem); font-weight:700; color:var(--navy); margin-bottom:10px; }

.section-title.light { color:var(--white); }

.sector-card { background:var(--white); border-radius:10px; padding:26px 22px; border-top:4px solid var(--accent); box-shadow:0 2px 14px rgba(10,22,40,0.07); text-align:center; transition:transform 0.2s; }

.sector-card .big-amt { font-family:'Cormorant Garamond',serif; font-size:2.6rem; font-weight:700; color:var(--navy); line-height:1; margin-bottom:6px; display:block; }

.sector-card h3 { font-family:'Cormorant Garamond',serif; font-size:1.2rem; font-weight:700; color:var(--navy); margin-bottom:8px; }

.sector-card p { font-size:0.84rem; color:var(--grey-dark); line-height:1.6; }

.sector-card:hover { transform:translateY(-4px); box-shadow:0 8px 24px rgba(10,22,40,0.10); }

.sector-chip { background:var(--white); border:1px solid var(--grey-light); border-radius:6px; padding:10px 14px; font-size:0.83rem; color:var(--navy); font-weight:500; text-align:center; transition:background .18s,border-color .18s; }

.sector-chip:hover { background:var(--navy); color:var(--accent-light); border-color:var(--navy); }

.sector-grid { display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-bottom:48px; }

.sector-label { font-size:0.7rem; letter-spacing:0.16em; text-transform:uppercase; color:var(--accent); font-weight:700; margin-bottom:10px; }

.sectors-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(150px,1fr)); gap:10px; margin-bottom:36px; }

.service-card { background:var(--white); border:1px solid var(--border); border-top:3px solid transparent; border-radius:10px; padding:32px 28px; transition:transform 0.25s,box-shadow 0.25s,border-top-color 0.25s; cursor:default; }

.service-card h3 { font-family:'Cormorant Garamond',serif; font-size:1.3rem; color:var(--navy); margin-bottom:10px; font-weight:700; }

.service-card p { color:var(--text-mid); font-size:0.84rem; line-height:1.65; }

.service-card ul { list-style:none; margin-top:12px; }

.service-card ul li { color:var(--text-mid); font-size:0.8rem; padding:4px 0 4px 16px; position:relative; }

.service-card ul li::before { content:'›'; position:absolute; left:0; color:var(--brown); font-size:1.1rem; line-height:1.2; }

.service-card:hover { transform:translateY(-6px); box-shadow:var(--shadow-md); border-top-color:var(--brown); }

.service-icon { width:48px; height:48px; background:var(--brown-pale); border-radius:10px; display:flex; align-items:center; justify-content:center; margin-bottom:18px; }

.services { background:var(--cream); }

.services-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(280px,1fr)); gap:24px; margin-top:48px; }

.services-inner { max-width:1200px; margin:0 auto; }

.sidebar { display:flex; flex-direction:column; gap:22px; }

.sidebar-card { background:var(--white); border-radius:12px; padding:26px 22px; box-shadow:var(--shadow-sm); }

.sidebar-card h3 { font-family:'Cormorant Garamond',serif; font-size:1.2rem; color:var(--navy); margin-bottom:16px; font-weight:700; }

.sidebar-cats {list-style:none;}

.sidebar-cats li a {display:flex;justify-content:space-between;align-items:center;color:var(--text-mid);text-decoration:none;font-size:0.86rem;padding:8px 10px;border-radius:6px;transition:all 0.18s;}

.sidebar-cats li a span.cnt {background:var(--cream-deep);color:var(--text-muted);font-size:0.72rem;padding:2px 8px;border-radius:10px;font-weight:600;}

.sidebar-cats li a:hover {background:var(--cream);color:var(--navy);}

.sidebar-cta { background:var(--navy); border-radius:12px; padding:28px 22px; text-align:center; }

.sidebar-cta h3 { font-family:'Cormorant Garamond',serif; font-size:1.4rem; color:var(--white); margin-bottom:8px; }

.sidebar-cta p { color:var(--text-light); font-size:0.83rem; margin-bottom:20px; line-height:1.55; }

.sidebar-widget {background:var(--white);border:1px solid var(--border);border-radius:12px;padding:28px 24px;margin-bottom:24px;}

.sidebar-widget h4 {font-family:'Cormorant Garamond',serif;font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:16px;padding-bottom:10px;border-bottom:2px solid var(--brown-pale);position:relative;}

.sidebar-widget h4::after {content:'';position:absolute;bottom:-2px;left:0;width:32px;height:2px;background:var(--brown);}

.snap-row { display:flex; justify-content:space-between; align-items:center; padding:9px 0; border-bottom:1px solid var(--grey-light); font-size:0.82rem; }

.snap-row .lbl { color:var(--grey-dark); }

.snap-row .val { font-weight:600; color:var(--navy); text-align:right; }

.snap-row .val.green { color:#1a8a5e; }

.snap-row:last-child { border-bottom:none; }

.spinner {width:36px;height:36px;border:3px solid var(--border);border-top-color:var(--brown);border-radius:50%;animation:spin 0.7s linear infinite;margin:0 auto 14px;}

.stage-card { background:var(--white); border-radius:10px; padding:26px 22px; border-left:4px solid var(--accent); box-shadow:0 2px 14px rgba(10,22,40,0.07); transition:transform 0.2s,box-shadow 0.2s; }

.stage-card .big-pct { font-family:'Cormorant Garamond',serif; font-size:2.4rem; font-weight:700; color:var(--accent); line-height:1; margin-bottom:6px; display:block; }

.stage-card h3 { font-family:'Cormorant Garamond',serif; font-size:1.4rem; font-weight:700; color:var(--navy); margin-bottom:8px; line-height:1.2; }

.stage-card p { font-size:0.85rem; color:var(--grey-dark); line-height:1.65; }

.stage-card:hover { transform:translateY(-4px); box-shadow:0 8px 24px rgba(10,22,40,0.10); }

.stage-grid { display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-bottom:48px; }

.stage-label { font-size:0.7rem; letter-spacing:0.16em; text-transform:uppercase; color:var(--accent); font-weight:700; margin-bottom:10px; }

.stars { color:var(--brown); font-size:0.85rem; margin-bottom:12px; letter-spacing:1px; }

.stat-item { flex:1; min-width:200px; padding:30px 40px; text-align:center; border-right:1px solid var(--border); }

.stat-item:last-child { border-right:none; }

.stat-label { color:var(--text-muted); font-size:0.76rem; letter-spacing:0.08em; text-transform:uppercase; margin-top:4px; }

.stat-num { font-family:'Cormorant Garamond',serif; font-size:2.6rem; font-weight:700; color:var(--brown); display:block; }

.stats-strip { background:var(--white); border-top:1px solid var(--border); border-bottom:1px solid var(--border); display:flex; justify-content:center; flex-wrap:wrap; box-shadow:var(--shadow-xs); }

.step { display:flex; gap:16px; padding:16px 0; border-bottom:1px solid var(--grey-light); }

.step-body h4 { font-weight:600; color:var(--navy); font-size:0.9rem; margin-bottom:4px; }

.step-body p { font-size:0.83rem; color:var(--grey-dark); line-height:1.6; }

.step-num { width:36px; height:36px; background:var(--navy); color:var(--white); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:0.82rem; font-weight:700; flex-shrink:0; }

.step-text { font-size:0.88rem; color:var(--navy-mid); line-height:1.65; }

.step-text strong { color:var(--text-dark); display:block; margin-bottom:3px; font-size:0.92rem; }

.step:last-child { border-bottom:none; }

.steps-list { list-style:none; margin-bottom:48px; counter-reset:steps; }

.steps-list li { display:flex; gap:18px; padding:16px 0; border-bottom:1px solid var(--border); align-items:flex-start; }

.steps-list li:last-child { border-bottom:none; }

.t-blue {background:linear-gradient(135deg,#1a2a4a,#243A54);}

.t-gold {background:linear-gradient(135deg,#4a3520,#6B5234);}

.t-green {background:linear-gradient(135deg,#1a3a2a,#2d5a3d);}

.t-purple {background:linear-gradient(135deg,#2a1a3a,#3d2d5a);}

.t-red {background:linear-gradient(135deg,#3a1a1a,#5a2d2d);}

.table-note { font-size:0.78rem; color:var(--grey-dark); margin-top:8px; margin-bottom:40px; font-style:italic; }

.tag {background:var(--cream);color:var(--text-mid);padding:5px 12px;border-radius:16px;font-size:0.76rem;cursor:pointer;transition:all 0.18s;border:1px solid var(--border);}

.tag-cloud {display:flex;flex-wrap:wrap;gap:8px;}

.tag:hover {background:var(--navy);color:white;border-color:var(--navy);}

.testi-author { display:flex; align-items:center; gap:12px; }

.testi-avatar { width:44px; height:44px; background:var(--navy); border-radius:50%; display:flex; align-items:center; justify-content:center; color:var(--white); font-weight:700; font-size:0.95rem; flex-shrink:0; }

.testi-card { background:var(--cream); border-radius:12px; padding:32px 28px; border:1px solid var(--border); transition:transform 0.2s,box-shadow 0.2s; }

.testi-card p { color:var(--text-mid); font-size:0.88rem; line-height:1.8; margin-bottom:20px; }

.testi-card:hover { transform:translateY(-4px); box-shadow:var(--shadow-sm); }

.testi-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(300px,1fr)); gap:24px; margin-top:48px; }

.testi-name { font-weight:700; font-size:0.88rem; color:var(--navy); }

.testi-quote { font-family:'Cormorant Garamond',serif; font-size:3.5rem; color:var(--brown); line-height:1; margin-bottom:10px; opacity:0.5; }

.testi-role { font-size:0.76rem; color:var(--text-muted); margin-top:2px; }

.testimonials { background:var(--white); }

.testimonials-inner { max-width:1100px; margin:0 auto; }

.toast {display:none;position:fixed;bottom:32px;left:50%;transform:translateX(-50%);background:var(--navy);color:white;padding:14px 28px;border-radius:10px;font-size:0.9rem;font-weight:600;z-index:9999;box-shadow:var(--shadow-lg);border-left:4px solid var(--brown);white-space:nowrap;}

.toast.show {display:block;animation:toastIn 0.3s ease;}

.toolbar {display:flex;gap:6px;flex-wrap:wrap;margin-bottom:8px;}

.toolbar button {background:var(--cream);border:1px solid var(--border);padding:5px 10px;border-radius:5px;font-size:0.78rem;font-weight:600;cursor:pointer;color:var(--text-mid);transition:all 0.15s;font-family:'DM Sans',sans-serif;}

.toolbar button:hover {background:var(--navy);color:white;border-color:var(--navy);}

.topbar { display:none; }

.two-col { display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-bottom:14px; }

.warning-box { background:rgba(192,57,43,0.05); border:1.5px solid rgba(192,57,43,0.2); border-radius:10px; padding:22px 24px; margin-bottom:40px; }

.warning-box h4 { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:700; color:#c0392b; margin-bottom:14px; display:flex; align-items:center; gap:8px; }

.warning-box ul { list-style:none; }

.warning-box ul li { font-size:0.86rem; color:var(--navy-mid); line-height:1.65; padding:6px 0; padding-left:18px; position:relative; }

.warning-box ul li::before { content:'✕'; position:absolute; left:0; color:#c0392b; font-weight:700; }

.whatsapp-fab { position:fixed; bottom:28px; right:28px; width:54px; height:54px; background:#25D366; border-radius:50%; display:flex; align-items:center; justify-content:center; box-shadow:0 4px 18px rgba(37,211,102,0.4); z-index:999; transition:transform 0.2s; }

.whatsapp-fab svg { width:27px; height:27px; fill:#fff; }

.whatsapp-fab:hover { transform:scale(1.08); }

.why { background:var(--cream-deep); }

.why-card { background:var(--white); border-radius:10px; padding:22px 20px; transition:box-shadow 0.2s,transform 0.2s; border:1px solid var(--border); }

.why-card h4 { font-size:0.92rem; font-weight:700; color:var(--navy); margin-bottom:6px; }

.why-card p { font-size:0.8rem; color:var(--text-mid); line-height:1.65; }

.why-card-icon { width:40px; height:40px; background:var(--brown-pale); border-radius:8px; display:flex; align-items:center; justify-content:center; margin-bottom:12px; }

.why-card:hover { box-shadow:var(--shadow-sm); transform:translateY(-2px); }

.why-cards { display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-top:32px; }

.why-img img { width:100%; height:460px; object-fit:cover; border-radius:12px; box-shadow:var(--shadow-md); }

.why-inner { max-width:1200px; margin:0 auto; display:grid; grid-template-columns:1fr 1fr; gap:72px; align-items:center; }

.wmodal {background:var(--white);max-width:880px;width:100%;border-radius:16px;overflow:hidden;animation:modalIn 0.28s ease;}

.wmodal-body {padding:36px 36px 32px;}

.wmodal-head {background:var(--navy);padding:24px 32px;display:flex;align-items:center;justify-content:space-between;}

.wmodal-head h3 {font-family:'Cormorant Garamond',serif;font-size:1.5rem;color:white;font-weight:700;}

.wmodal-overlay {display:none;position:fixed;inset:0;background:rgba(13,27,42,0.82);z-index:3000;overflow-y:auto;padding:40px 20px;backdrop-filter:blur(4px);}

.wmodal-overlay.open {display:flex;align-items:flex-start;justify-content:center;}

@keyframes fadeDown { from{opacity:0;transform:translateY(-6px)} to{opacity:1;transform:translateY(0)} }

@keyframes heroFade { from{opacity:0;transform:translateY(28px)} to{opacity:1;transform:translateY(0)} }

@keyframes heroSlide { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }

@keyframes modalIn {from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}

@keyframes spin {to{transform:rotate(360deg)}}

@keyframes toastIn {from{opacity:0;transform:translateX(-50%) translateY(10px)}to{opacity:1;transform:translateX(-50%) translateY(0)}}

footer { background:var(--navy); color:var(--white); padding:60px 60px 30px; }

nav { background:var(--white); border-bottom:1px solid var(--border); position:sticky; top:0; z-index:1000; padding:0 48px; display:flex; align-items:center; justify-content:space-between; height:80px; box-shadow:var(--shadow-sm); }

section { padding:90px 60px; }

@media (max-width:1000px) {
  .def-grid   { grid-template-columns:1fr 1fr; }

  .feature-grid   { grid-template-columns:1fr; }

  .page-body   { grid-template-columns:1fr; padding:40px 28px; }

  .sidebar   { flex-direction:row; flex-wrap:wrap; }

  .sidebar > *   { flex:1; min-width:260px; }

}

@media (max-width:1024px) {
  .about-inner,.why-inner   { gap:48px; }

  .blog-main   {padding:40px 32px 60px;}

  .contact-inner   { gap:40px; }

  .hero-inner   { padding:60px 40px; }

  nav   { padding:0 24px; }

  nav,footer,.blog-hero,.login-bar,.admin-bar   {padding-left:32px;padding-right:32px;}

}

@media (max-width:480px) {
  .contact-detail   { gap:10px; }

  .contact-form   { padding:24px 16px; }

  .footer-inner   { grid-template-columns:1fr; }

  .hero h1   { font-size:clamp(1.9rem,7vw,2.5rem); }

  .hero-btns   { flex-direction:column; }

  .hero-btns a   { text-align:center; }

  .hero-inner   { padding:32px 16px 28px; }

  .service-card   { padding:24px 20px; }

  .services-grid   { gap:16px; }

  .stat-item   { min-width:calc(50% - 1px); }

  nav   { padding:0 14px; }

  section   { padding:44px 16px; }

}

@media (max-width:560px) {
  .footer-inner   { grid-template-columns:1fr; }

  .sidebar   { flex-direction:column; }

}

@media (max-width:600px) {
  .breadcrumb   { padding:10px 20px; }

  .footer-inner   { grid-template-columns:1fr; }

  nav   { padding:0 14px; }

}

@media (max-width:900px) {
  .about-features   { grid-template-columns:1fr; }

  .about-img img   { height:280px; }

  .about-inner,.why-inner,.contact-inner,.footer-inner   { grid-template-columns:1fr; gap:32px; }

  .admin-bar,.login-bar   {padding:10px 16px;}

  .benefit-grid   { grid-template-columns:1fr; }

  .benefits-grid   { grid-template-columns:1fr; }

  .blog-hero   {padding:40px 20px 32px;}

  .blog-main   {grid-template-columns:1fr;padding:28px 16px 56px;gap:32px;}

  .breadcrumb   { padding:10px 20px; }

  .breadcrumb, .scheme-hero   { padding:40px 20px; }

  .cluster-box   { grid-template-columns:1fr; }

  .contact-form   { padding:28px 20px; }

  .contact-info   { padding:32px 24px; }

  .def-grid   { grid-template-columns:1fr; }

  .docs-grid   { grid-template-columns:1fr; }

  .dropdown   { position:static; box-shadow:none; border-top:none; display:none; padding-left:14px; }

  .exempt-grid   { grid-template-columns:1fr; }

  .feature-grid   { grid-template-columns:1fr; }

  .featured-post   {grid-template-columns:1fr;}

  .featured-thumb   {min-height:160px;}

  .footer-inner   { grid-template-columns:1fr 1fr; }

  .form-row   {grid-template-columns:1fr;}

  .hamburger   { display:flex; }

  .hero   { min-height:auto; }

  .hero-content   { max-width:100%; }

  .hero-img-wrap   { display:none; }

  .hero-inner   { flex-direction:column; padding:40px 20px 32px; gap:32px; }

  .hero::before, .hero::after, .hero-deco, .hero-deco-dot   { display:none; }

  .logo img   { height:58px; }

  .modal-head,.modal-body   {padding:24px 20px;}

  .nav-links   { display:none !important; }

  .nav-links > li   { height:auto; width:100%; }

  .nav-links > li > a   { height:auto; padding:10px 14px; }

  .nav-links > li > a:hover, .nav-links > li > a.active   { border-left-color:var(--brown); border-bottom:none; }

  .nav-links > li.open-drop .dropdown   { display:block; }

  .nav-links.open   {
      display:flex !important; flex-direction:column;
      position:fixed; top:70px; left:0; right:0; bottom:0;
      background:var(--white); box-shadow:0 8px 32px rgba(13,27,42,0.12);
      padding:16px 0 32px; height:auto; max-height:calc(100vh - 70px);
      overflow-y:auto; z-index:999;
    }

  .nav-links.open .dropdown   { position:static; box-shadow:none; border:none; border-radius:0; display:none; }

  .nav-links.open .dropdown a   { padding:10px 36px; font-size:0.9rem; }

  .nav-links.open > li   { height:auto; width:100%; }

  .nav-links.open > li > a   { padding:13px 24px; height:auto; font-size:1rem; border-bottom:none; border-left:3px solid transparent; }

  .nav-links.open > li > a.active   { border-left-color:var(--brown); }

  .nav-links.open > li > a.nav-cta   { margin:12px 20px 0; border-radius:6px; height:auto !important; text-align:center; display:block !important; }

  .nav-links.open > li > a:hover,
  .nav-links.open > li > a.active   { border-left-color:var(--brown); border-bottom:none; }

  .nav-links.open > li.open-drop .dropdown   { display:block; background:var(--cream); }

  .nav-links.open>li   {height:auto;width:100%;}

  .nav-links.open>li.open-drop .dropdown   {display:block;background:var(--cream);}

  .nav-links.open>li>a   {padding:13px 24px;height:auto;font-size:1rem;border-bottom:none;border-left:3px solid transparent;}

  .nav-links.open>li>a.nav-cta   {margin:12px 20px 0;border-radius:6px;height:auto !important;text-align:center;display:block !important;}

  .nav-links.open>li>a:hover,.nav-links.open>li>a.active   {border-left-color:var(--brown);border-bottom:none;}

  .posts-grid   {grid-template-columns:1fr;}

  .scheme-hero   { padding:36px 20px; }

  .services-grid   { grid-template-columns:1fr; }

  .stat-item   { min-width:140px; padding:20px 16px; }

  .stat-num   { font-size:2rem; }

  .stats-strip   { flex-wrap:wrap; }

  .testi-grid   { grid-template-columns:1fr; }

  .two-col   { grid-template-columns:1fr; }

  .whatsapp-fab   { bottom:20px; right:16px; width:50px; height:50px; }

  .whatsapp-fab svg   { width:24px; height:24px; }

  .why-cards   { grid-template-columns:1fr; }

  .why-img img   { height:280px; }

  .wmodal-body   {padding:24px 20px;}

  footer   {padding:40px 16px 24px;}

  nav   { padding:0 16px; height:70px; }

  section   { padding:56px 20px; }

}