/* ==========================================================================
   VATVRUKSHA CREDIT CO-OPERATIVE SOCIETY LTD., DUDHGAON
   Professional Cooperative Banking Stylesheet
   Brand Theme: Blue HSL(199.26deg 93.07% 45.29%)
   Secondary Accent (Minimal): HSL(45.31deg 98.66% 70.78%)
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Mukta:wght@400;500;600;700;800&display=swap');

:root {
  /* Brand Primary: HSL(199.26deg 93.07% 45.29%) */
  --primary: hsl(199.26deg, 93.07%, 45.29%);
  --primary-deep: #032b45;
  --primary-dark: #07466e;
  --primary-medium: #0893df;
  --primary-light: #28a9f6;
  --primary-subtle: #f0f8fd;
  --primary-tint: #e1f2fc;
  --border-primary: #bae0f7;

  /* Secondary Accent: HSL(45.31deg 98.66% 70.78%) - Warm Royal Gold */
  --secondary: hsl(45.31deg, 98.66%, 70.78%);
  --secondary-bright: #ffdf6d;
  --secondary-deep: #b57a03;
  --secondary-dark: #8c5b00;
  --secondary-soft: #fffdf5;
  --secondary-tint: #fef7db;
  --secondary-border: #f8d35e;
  --secondary-glow: rgba(251, 209, 72, 0.45);

  --accent-red: #c02626;
  --accent-green: #16a34a;

  --text-dark: #1e293b;
  --text-muted: #475569;
  --text-light: #64748b;
  
  --bg-page: #f8fafc;
  --bg-card: #ffffff;
  --bg-alt: #f1f6fa;

  --border-light: #e2e8f0;
  --border-card: #cbd5e1;

  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 6px -1px rgba(7, 70, 110, 0.08), 0 2px 4px -1px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 10px 20px -3px rgba(5, 51, 80, 0.12), 0 4px 6px -2px rgba(0, 0, 0, 0.05);

  --font-marathi: 'Mukta', 'Noto Sans Devanagari', -apple-system, sans-serif;
  --font-en: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
}

/* Reset & Base */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-marathi);
  background-color: var(--bg-page);
  color: var(--text-dark);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

body.lang-en {
  font-family: var(--font-en);
}

.d-none-desktop {
  display: none !important;
}

.d-mobile {
  display: none !important;
}

.d-desktop {
  display: inline !important;
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: all 0.2s ease;
}

a:hover {
  color: var(--primary-deep);
}

img, svg {
  max-width: 100%;
  height: auto;
  display: block;
}

.container {
  width: 100%;
  max-width: 1220px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ==========================================================================
   UTILITY TOP BAR (Strict Single-Row Layout with Secondary Gold Accent)
   ========================================================================== */
.top-bar {
  background-color: var(--primary-deep);
  color: #e2e8f0;
  font-size: 0.81rem;
  padding: 6px 0;
  border-bottom: 2px solid var(--secondary);
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: nowrap;
  gap: 12px;
  overflow: hidden;
}

.top-bar-left, .top-bar-right {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: nowrap;
  white-space: nowrap;
}

.top-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #f1f5f9;
}

.top-item a {
  color: #f1f5f9;
}

.top-item a:hover {
  color: var(--secondary-bright);
}

.top-badge {
  background: rgba(251, 209, 72, 0.15);
  border: 1px solid var(--secondary-border);
  color: #ffffff;
  padding: 2px 9px;
  border-radius: var(--radius-sm);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.3px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.top-badge i {
  color: var(--secondary);
}

/* Language Switcher */
.lang-switcher {
  display: inline-flex;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 20px;
  padding: 2px;
  overflow: hidden;
}

.lang-btn {
  padding: 3px 10px;
  font-size: 0.78rem;
  font-weight: 700;
  color: #f1f5f9;
  border-radius: 16px;
  border: none;
  background: transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: inherit;
  text-decoration: none;
}

.lang-btn.active {
  background-color: var(--secondary);
  color: var(--primary-deep);
  font-weight: 800;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.2);
}

.lang-btn:hover:not(.active) {
  background-color: rgba(255, 255, 255, 0.25);
  color: #fff;
}

/* ==========================================================================
   MAIN BANK HEADER
   ========================================================================== */
.main-header {
  background-color: #ffffff;
  padding: 12px 0;
  box-shadow: var(--shadow-sm);
  border-bottom: 1px solid var(--border-light);
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}

.brand-wrap {
  display: flex;
  align-items: center;
  gap: 16px;
  text-decoration: none;
}

.brand-logo-img {
  width: 125px;
  height: auto;
  aspect-ratio: 1 / 1;
  object-fit: contain;
  flex-shrink: 0;
  filter: drop-shadow(0 4px 10px rgba(3, 43, 69, 0.16));
  display: block;
  transform: translateZ(0);
  -webkit-transform: translateZ(0);
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  transition: transform 0.3s ease, filter 0.3s ease;
}

.brand-wrap:hover .brand-logo-img {
  transform: scale(1.03) translateZ(0);
  -webkit-transform: scale(1.03) translateZ(0);
  filter: drop-shadow(0 5px 12px rgba(3, 43, 69, 0.22));
}

.brand-text-block h1 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.25;
  margin-bottom: 2px;
}

.brand-text-block .en-name {
  font-family: var(--font-en);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--primary-dark);
  letter-spacing: 0.4px;
  text-transform: uppercase;
  margin-bottom: 2px;
}

.brand-tagline {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--secondary-deep);
  background: var(--secondary-tint);
  border: 1px solid var(--secondary-border);
  padding: 3px 12px;
  border-radius: var(--radius-sm);
  margin-top: 4px;
  letter-spacing: 0.2px;
}

.brand-tagline i {
  color: var(--secondary-dark);
  font-size: 0.85rem;
}

.brand-text-block .reg-line {
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 500;
}

.reg-line span {
  color: var(--primary-dark);
  font-weight: 700;
}

.header-right-meta {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header-contact-card {
  display: flex;
  align-items: center;
  gap: 12px;
  background-color: #ffffff;
  border: 1.5px solid var(--secondary-border);
  padding: 8px 16px;
  border-radius: var(--radius-md);
  box-shadow: 0 2px 8px rgba(7, 70, 110, 0.06);
}

.contact-icon-circle {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-deep) 100%);
  color: var(--secondary);
  border: 2px solid var(--secondary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  box-shadow: 0 2px 6px var(--secondary-glow);
}

.contact-card-text small {
  display: block;
  font-size: 0.72rem;
  color: var(--text-muted);
  font-weight: 700;
  text-transform: uppercase;
}

.contact-card-text a {
  font-size: 1.08rem;
  font-weight: 800;
  color: var(--primary-deep);
}

/* Tagline Banner */
.tagline-strip {
  background: linear-gradient(90deg, #032b45 0%, #07466e 50%, #032b45 100%);
  color: #ffffff;
  padding: 7px 0;
  text-align: center;
  font-size: 0.94rem;
  font-weight: 600;
  letter-spacing: 0.3px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  border-bottom: 2.5px solid var(--secondary);
}

.tagline-tree-icon {
  color: var(--secondary);
  margin-right: 6px;
}

/* ==========================================================================
   PRIMARY NAVIGATION (Strict Single-Line on Desktop)
   ========================================================================== */
.navbar {
  background-color: var(--primary-deep);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.nav-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: nowrap;
}

.nav-menu {
  display: flex;
  list-style: none;
  margin: 0;
  padding: 0;
  flex-wrap: nowrap;
  align-items: center;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 13px 11px;
  color: #f1f5f9;
  font-size: 0.88rem;
  font-weight: 600;
  white-space: nowrap;
  transition: all 0.2s ease;
  border-bottom: 3px solid transparent;
}

.nav-link:hover, 
.nav-link:focus, 
.nav-item.active .nav-link {
  background-color: rgba(255, 255, 255, 0.12) !important;
  color: #ffffff !important;
  border-bottom-color: var(--secondary) !important;
}

.nav-link:hover *,
.nav-link:focus * {
  color: #ffffff !important;
}

.nav-link:hover i,
.nav-link:focus i {
  color: var(--secondary-bright) !important;
}

/* Continuous Heartbeat Pulse Animation for 'Why Vatvruksha' Nav Button */
@keyframes heartBeatPulse {
  0% {
    transform: scale(1);
    box-shadow: 0 0 0 0 rgba(245, 190, 36, 0.7), 0 2px 8px rgba(245, 190, 36, 0.4);
  }
  14% {
    transform: scale(1.07);
    box-shadow: 0 0 0 5px rgba(245, 190, 36, 0.45), 0 4px 14px rgba(245, 190, 36, 0.6);
  }
  28% {
    transform: scale(1);
    box-shadow: 0 0 0 2px rgba(245, 190, 36, 0.3), 0 2px 8px rgba(245, 190, 36, 0.4);
  }
  42% {
    transform: scale(1.12);
    box-shadow: 0 0 0 10px rgba(245, 190, 36, 0), 0 6px 20px rgba(245, 190, 36, 0.7);
  }
  70% {
    transform: scale(1);
    box-shadow: 0 0 0 0 rgba(245, 190, 36, 0), 0 2px 8px rgba(245, 190, 36, 0.4);
  }
  100% {
    transform: scale(1);
    box-shadow: 0 0 0 0 rgba(245, 190, 36, 0), 0 2px 8px rgba(245, 190, 36, 0.4);
  }
}

@keyframes heartBeatIcon {
  0%, 70%, 100% {
    transform: scale(1);
  }
  14% {
    transform: scale(1.22) rotate(-5deg);
  }
  28% {
    transform: scale(1);
  }
  42% {
    transform: scale(1.3) rotate(5deg);
  }
}

.nav-cta {
  background: linear-gradient(135deg, hsl(45.31deg, 98.66%, 70.78%) 0%, #f5be24 100%);
  color: #032b45 !important;
  font-weight: 800;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  margin-left: 8px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  box-shadow: 0 2px 8px rgba(245, 190, 36, 0.4);
  border: 1.5px solid #ffffff;
  outline: 1.5px solid var(--secondary);
  white-space: nowrap;
  font-size: 0.88rem;
  transition: all 0.25s ease;
  animation: heartBeatPulse 2.2s cubic-bezier(0.25, 1, 0.5, 1) infinite;
  transform-origin: center center;
  will-change: transform, box-shadow;
  position: relative;
  z-index: 5;
}

.nav-cta i {
  display: inline-block;
  animation: heartBeatIcon 2.2s cubic-bezier(0.25, 1, 0.5, 1) infinite;
  color: #032b45;
  transition: color 0.2s ease;
}

.nav-cta:hover {
  animation-play-state: paused;
  transform: translateY(-2px) scale(1.05);
  background: var(--primary-deep) !important;
  color: #ffffff !important;
  border-color: var(--secondary) !important;
  outline-color: #ffffff !important;
  box-shadow: 0 6px 22px rgba(245, 190, 36, 0.7) !important;
}

.nav-cta:hover i {
  animation-play-state: paused;
  color: var(--secondary-bright) !important;
  transform: scale(1.15);
}

.nav-cta:hover span,
.nav-cta:hover * {
  color: #ffffff !important;
}

/* Also animate inside mobile menu drawer for maximum attention */
.nav-link[href*="why-vatvruksha"] i {
  animation: heartBeatIcon 2.2s cubic-bezier(0.25, 1, 0.5, 1) infinite;
  color: var(--secondary-bright) !important;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  color: #ffffff;
  font-size: 1.5rem;
  padding: 12px;
  cursor: pointer;
}

/* ==========================================================================
   NOTICE TICKER BAR (Completely Isolated Marquee - ZERO OVERLAP)
   ========================================================================== */
.notice-bar {
  background-color: #ffffff;
  border-top: 1px solid var(--border-light);
  border-bottom: 2px solid var(--secondary-border);
  padding: 5px 0;
  font-size: 0.88rem;
  box-shadow: 0 2px 5px rgba(0, 0, 0, 0.03);
}

.notice-inner {
  display: flex;
  align-items: center;
  position: relative;
  gap: 0;
}

.notice-badge-box {
  flex-shrink: 0;
  position: relative;
  z-index: 10;
  background: #ffffff;
  padding-right: 14px;
  box-shadow: 8px 0 10px -4px #ffffff;
}

.notice-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: linear-gradient(135deg, #b91c1c 0%, #dc2626 100%);
  color: #ffffff;
  font-weight: 800;
  font-size: 0.78rem;
  padding: 5px 12px;
  border-radius: var(--radius-sm);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  border-left: 3px solid var(--secondary);
  box-shadow: 0 2px 6px rgba(185, 28, 28, 0.25);
  white-space: nowrap;
}

.notice-ticker-track {
  flex: 1;
  min-width: 0;
  overflow: hidden;
  position: relative;
  display: flex;
  align-items: center;
  height: 28px;
}

.notice-scroll {
  display: inline-block;
  white-space: nowrap;
  padding-left: 100%;
  animation: noticeTicker 32s linear infinite;
  color: var(--primary-deep);
  font-size: 0.9rem;
  font-weight: 500;
  will-change: transform;
}

.notice-scroll:hover {
  animation-play-state: paused;
}

@keyframes noticeTicker {
  0% { transform: translate3d(0, 0, 0); }
  100% { transform: translate3d(-100%, 0, 0); }
}

.ticker-star {
  color: var(--secondary-deep);
  font-weight: 800;
  margin: 0 8px;
  font-size: 0.95rem;
}

/* ==========================================================================
   HOMEPAGE BANNER SLIDER (Hero Slider below notices)
   ========================================================================== */
.hero-slider-section {
  position: relative;
  background: #032541;
  color: #ffffff;
  overflow: hidden;
  border-bottom: 4px solid var(--primary-dark);
}

.hero-slider-video-wrap {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  overflow: hidden;
  z-index: 0;
  pointer-events: none;
}

.hero-slider-video {
  position: absolute;
  top: 50%;
  left: 50%;
  min-width: 100%;
  min-height: 100%;
  width: auto;
  height: auto;
  transform: translate(-50%, -50%);
  object-fit: cover;
  z-index: 0;
  filter: brightness(0.98) contrast(1.02);
}

.hero-slider-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(2, 26, 46, 0.22);
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  z-index: 1;
}

.slider-wrapper {
  position: relative;
  z-index: 2;
  width: 100%;
  min-height: 440px;
}

.slider-track {
  position: relative;
  width: 100%;
  min-height: 440px;
  display: grid;
  grid-template-columns: 1fr;
  grid-template-rows: 1fr;
  align-items: center;
}

.slide-item {
  grid-column: 1 / -1;
  grid-row: 1 / -1;
  width: 100%;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: scale(0.985) translateY(12px);
  transition: opacity 0.65s cubic-bezier(0.16, 1, 0.3, 1), 
              transform 0.65s cubic-bezier(0.16, 1, 0.3, 1), 
              visibility 0.65s ease;
  display: flex;
  align-items: center;
  padding: 50px 0;
  z-index: 1;
}

.slide-item.active {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: scale(1) translateY(0);
  z-index: 2;
}

/* Staggered Entrance Animations inside active slide */
.slide-item.active .slide-badge {
  animation: fadeInUp 0.5s cubic-bezier(0.16, 1, 0.3, 1) 0.05s both;
}

.slide-item.active .slide-title {
  animation: fadeInUp 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.12s both;
}

.slide-item.active .slide-desc {
  animation: fadeInUp 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.18s both;
}

.slide-item.active .slide-actions {
  animation: fadeInUp 0.55s cubic-bezier(0.16, 1, 0.3, 1) 0.24s both;
}

.slide-item.active .slide-card-visual {
  animation: scaleIn 0.6s cubic-bezier(0.16, 1, 0.3, 1) 0.14s both;
}

.slide-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.95fr;
  gap: 40px;
  align-items: center;
  width: 100%;
}

.slide-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(3, 43, 69, 0.78);
  border: 1px solid rgba(251, 209, 72, 0.65);
  color: #ffffff;
  padding: 5px 14px;
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 16px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.4);
}

.slide-title {
  font-size: 2.25rem;
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: 16px;
  color: #ffffff;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.85), 0 1px 3px rgba(0, 0, 0, 0.9);
}

.slide-desc {
  font-size: 1.05rem;
  color: #f0f9ff;
  line-height: 1.7;
  margin-bottom: 24px;
  max-width: 620px;
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.85);
}

.slide-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.btn-primary-bank {
  background: #ffffff;
  color: var(--primary-deep);
  font-weight: 800;
  font-size: 0.98rem;
  padding: 12px 26px;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.18);
  border: none;
  transition: all 0.2s ease;
}

.btn-primary-bank:hover,
a.btn-primary-bank:hover,
button.btn-primary-bank:hover {
  background: var(--primary-dark) !important;
  color: #ffffff !important;
  border-color: var(--primary-dark) !important;
  transform: translateY(-2px);
}

.btn-primary-bank:hover i,
a.btn-primary-bank:hover i,
button.btn-primary-bank:hover i {
  color: #ffffff !important;
}

.btn-outline-white {
  background: transparent;
  color: #ffffff;
  border: 2px solid rgba(255, 255, 255, 0.85);
  font-weight: 700;
  font-size: 0.98rem;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.2s ease;
}

.btn-outline-white:hover,
a.btn-outline-white:hover,
button.btn-outline-white:hover {
  background-color: rgba(255, 255, 255, 0.22) !important;
  border-color: #ffffff !important;
  color: #ffffff !important;
}

.btn-outline-white:hover i,
a.btn-outline-white:hover i,
button.btn-outline-white:hover i {
  color: #ffffff !important;
}

.slide-card-visual {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: var(--radius-lg);
  padding: 26px;
  box-shadow: var(--shadow-lg);
  text-align: center;
}

/* Slider Controls */
.slider-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  background: rgba(5, 51, 80, 0.65);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  cursor: pointer;
  z-index: 10;
  transition: all 0.2s ease;
}

.slider-arrow:hover {
  background: var(--primary);
  color: #ffffff;
  border-color: #ffffff;
}

.slider-arrow.prev { left: 16px; }
.slider-arrow.next { right: 16px; }

.slider-dots {
  position: absolute;
  bottom: 16px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 10;
}

.slider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.4);
  border: 1px solid rgba(255, 255, 255, 0.6);
  cursor: pointer;
  transition: all 0.2s ease;
}

.slider-dot.active {
  width: 32px;
  border-radius: 6px;
  background: var(--secondary);
  border-color: #ffffff;
}

/* ==========================================================================
   PROMINENT KARMAVEER ANNA SPOTLIGHT SECTION
   ========================================================================== */
.anna-spotlight-section {
  background: #ffffff;
  border-bottom: 2px solid var(--border-light);
  padding: 50px 0;
}

.anna-spotlight-card {
  background: linear-gradient(135deg, #ffffff 0%, var(--secondary-soft) 100%);
  border: 2px solid var(--secondary);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  box-shadow: 0 6px 20px rgba(181, 122, 3, 0.12);
  position: relative;
  overflow: hidden;
}

.anna-spotlight-card::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 140px;
  height: 140px;
  background: radial-gradient(circle, var(--secondary-glow) 0%, transparent 70%);
  pointer-events: none;
}

.anna-spotlight-grid {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 36px;
  align-items: center;
}

.anna-photo-frame {
  width: 100%;
  max-width: 250px;
  margin: 0 auto;
  border-radius: var(--radius-md);
  border: 4px solid #ffffff;
  outline: 2.5px solid var(--secondary);
  box-shadow: 0 6px 22px rgba(181, 122, 3, 0.24);
  background: #0f1c2d;
  overflow: hidden;
  position: relative;
  transform: translateZ(0);
  -webkit-transform: translateZ(0);
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  contain: paint;
  isolation: isolate;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.anna-photo-img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  transform: translateZ(0);
  -webkit-transform: translateZ(0);
  backface-visibility: hidden;
  image-rendering: -webkit-optimize-contrast;
}

.anna-spotlight-content h2 {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 4px;
}

.anna-role-title {
  display: inline-block;
  font-size: 1rem;
  font-weight: 700;
  color: var(--secondary-deep);
  margin-bottom: 14px;
}

.anna-text-p {
  font-size: 1.02rem;
  color: var(--text-dark);
  line-height: 1.8;
  margin-bottom: 14px;
}

.badge-pill-gov {
  background: var(--secondary-tint);
  border: 1px solid var(--secondary-border);
  color: var(--secondary-dark);
  padding: 5px 12px;
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

/* Quick Features Strip */
.features-strip {
  background: #ffffff;
  padding: 24px 0;
  border-bottom: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 10px;
  border-right: 1px solid var(--border-light);
}

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

.feature-icon-box {
  width: 46px;
  height: 46px;
  background: var(--secondary-tint);
  color: var(--secondary-dark);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  border: 1px solid var(--secondary-border);
}

.feature-text h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary-deep);
  margin-bottom: 2px;
}

.feature-text p {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Section Common Styling */
.section-pad {
  padding: 60px 0;
}

.section-pad-sm {
  padding: 36px 0;
}

.section-header {
  text-align: center;
  max-width: 820px;
  margin: 0 auto 40px;
}

.section-pretitle {
  display: inline-block;
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--secondary-deep);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 6px;
}

.section-title {
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.3;
  margin-bottom: 10px;
}

.section-desc {
  font-size: 1.02rem;
  color: var(--text-muted);
}

.divider-gold {
  width: 65px;
  height: 3.5px;
  background: linear-gradient(90deg, var(--secondary) 0%, #f5be24 100%);
  margin: 14px auto 0;
  border-radius: 3px;
  box-shadow: 0 1px 4px var(--secondary-glow);
}

/* 5 Core Values Cards */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 26px;
}

.value-card {
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-top: 3.5px solid var(--secondary);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  display: flex;
  flex-direction: column;
}

.value-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--secondary-border);
  border-top-color: var(--secondary);
}

.value-header {
  border-bottom: 2px solid var(--primary-subtle);
  padding-bottom: 14px;
  margin-bottom: 16px;
}

.value-card-num {
  display: inline-block;
  background: linear-gradient(135deg, var(--secondary) 0%, #f5be24 100%);
  color: #032b45;
  font-size: 0.82rem;
  font-weight: 800;
  padding: 3px 12px;
  border-radius: 12px;
  margin-bottom: 8px;
  box-shadow: 0 2px 6px rgba(245, 190, 36, 0.35);
}

.value-card-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.3;
}

.value-card-desc {
  font-size: 0.94rem;
  color: var(--text-muted);
  margin-top: 8px;
  line-height: 1.6;
}

.value-bullet-list {
  list-style: none;
  margin-bottom: 20px;
  flex-grow: 1;
}

.value-bullet-list li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 10px;
  font-size: 0.92rem;
  color: var(--text-dark);
  line-height: 1.55;
}

.value-bullet-list li::before {
  content: "✔";
  position: absolute;
  left: 0;
  top: 1px;
  color: var(--secondary-deep);
  font-size: 0.85rem;
  font-weight: bold;
}

.value-pledge-box {
  background-color: var(--secondary-tint);
  border-left: 4px solid var(--secondary);
  padding: 12px 14px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary-deep);
  line-height: 1.5;
}

/* Banyan Tree Conclusion Banner */
.banyan-banner {
  background: linear-gradient(135deg, #032b45 0%, #07466e 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 40px;
  margin-top: 40px;
  border: 2px solid var(--secondary);
  box-shadow: var(--shadow-lg);
}

.banyan-banner h3 {
  font-size: 1.65rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 16px;
}

.banyan-banner p {
  font-size: 1.02rem;
  line-height: 1.8;
  margin-bottom: 14px;
  color: #f1f5f9;
}

.banyan-quote-box {
  margin-top: 24px;
  background: rgba(0, 0, 0, 0.25);
  border-left: 4px solid var(--secondary);
  padding: 16px 20px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--secondary-bright);
  text-align: center;
}

/* Interest Rates Table Styles */
.rates-container-box {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-card);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 36px;
}

.table-responsive {
  width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.bank-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.96rem;
  margin: 16px 0;
}

.bank-table th {
  background-color: var(--primary-deep);
  color: #ffffff;
  text-align: left;
  padding: 14px 18px;
  font-weight: 700;
  border: 1px solid #032b45;
  border-bottom: 3px solid var(--secondary);
  letter-spacing: 0.3px;
}

.bank-table td {
  padding: 12px 18px;
  border: 1px solid var(--border-light);
  color: var(--text-dark);
}

.bank-table tr:nth-child(even) {
  background-color: #f8fafc;
}

.bank-table tr:hover {
  background-color: var(--secondary-soft);
}

.table-rate-pill {
  display: inline-block;
  background: var(--secondary-tint);
  color: var(--secondary-dark);
  font-weight: 800;
  font-size: 1.02rem;
  padding: 4px 12px;
  border-radius: 20px;
  border: 1px solid var(--secondary-border);
}

.table-rebate-pill {
  display: inline-block;
  background: #f1f5f9;
  color: var(--primary-dark);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 3px 10px;
  border-radius: 20px;
  border: 1px solid #cbd5e1;
}

.rates-special-card {
  background: var(--secondary-soft);
  border: 1.5px solid var(--secondary-border);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-top: 24px;
}

.rates-special-card h4 {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 10px;
}

.rates-special-card ul {
  list-style: none;
}

.rates-special-card li {
  padding: 6px 0;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--primary-deep);
  display: flex;
  align-items: center;
  gap: 8px;
}

.rates-special-card li i {
  color: var(--secondary-deep);
}

/* Financial Calculator Section */
.calculator-box {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-card);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.calc-tabs {
  display: flex;
  background-color: var(--primary-deep);
  border-bottom: 2.5px solid var(--secondary);
}

.calc-tab-btn {
  flex: 1;
  padding: 16px;
  background: transparent;
  color: #cbd5e1;
  font-weight: 700;
  font-size: 1.02rem;
  border: none;
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: inherit;
}

.calc-tab-btn.active {
  background: var(--primary-dark);
  color: #ffffff;
  box-shadow: inset 0 -3px 0 var(--secondary);
}

.calc-tab-btn:hover:not(.active) {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.08);
}

.calc-body {
  padding: 36px;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 36px;
}

.calc-form-group {
  margin-bottom: 24px;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

.calc-label-row label {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-dark);
}

.calc-input-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary-deep);
  border: 1px solid var(--border-card);
  padding: 4px 12px;
  border-radius: var(--radius-sm);
  width: 140px;
  text-align: right;
  font-family: var(--font-en);
}

.calc-slider {
  width: 100%;
  accent-color: var(--primary);
  cursor: pointer;
  height: 6px;
}

.calc-results-card {
  background: linear-gradient(135deg, #053350 0%, #07466e 100%);
  color: #ffffff;
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border: 1px solid var(--primary-light);
  box-shadow: var(--shadow-md);
}

.calc-result-row {
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.calc-result-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.calc-result-label {
  font-size: 0.85rem;
  color: #bae6fd;
  font-weight: 600;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.calc-result-value {
  font-size: 1.75rem;
  font-weight: 800;
  color: #ffffff;
  font-family: var(--font-en);
}

#calculators {
  scroll-margin-top: 95px;
}

/* Financial Calculator Disclaimer */
.calc-disclaimer-card {
  grid-column: 1 / -1;
  background: rgba(3, 43, 69, 0.04);
  border: 1px solid rgba(181, 122, 3, 0.3);
  border-left: 4px solid var(--secondary);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  margin-top: 18px;
  text-align: left;
}

.calc-disclaimer-card .disclaimer-title {
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 7px;
}

.calc-disclaimer-card .disclaimer-title i {
  color: var(--secondary-deep);
  font-size: 0.82rem;
}

.calc-disclaimer-card .disclaimer-text {
  font-size: 0.82rem;
  color: var(--text-dark);
  line-height: 1.65;
  margin: 0;
  opacity: 0.92;
}

/* Chairman Message Card */
.chairman-msg-card {
  background: linear-gradient(135deg, #ffffff 0%, #f0f8fd 100%);
  border: 2px solid var(--primary);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
  margin-bottom: 46px;
}

.chairman-grid {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 36px;
  align-items: center;
}

.chairman-photo {
  width: 250px;
  height: 320px;
  border: 5px solid #ffffff;
  border-radius: 12px;
  box-shadow: 0 10px 28px rgba(3, 43, 69, 0.18);
}

/* Directors Grid */
.directors-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 26px;
}

.director-card {
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-md);
  padding: 20px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.director-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
}

.director-card.chairman {
  /* Normal card appearance matching all board directors */
}

.director-photo-wrap {
  width: 140px;
  height: 180px;
  margin: 0 auto 16px;
  border: 4px solid #ffffff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.12);
  background: #f1f5f9;
  border-radius: 4px;
  overflow: hidden;
  position: relative;
}

.director-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.director-name {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 4px;
}

.director-desig {
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--secondary-deep);
  display: block;
}

.director-badge-stamp {
  display: inline-block;
  background-color: var(--secondary-tint);
  color: var(--secondary-dark);
  font-size: 0.76rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 10px;
  margin-top: 8px;
  border: 1px solid var(--secondary-border);
}

/* ==========================================================================
   Advisory Committee List Layout (सल्लागार समिती यादी)
   Replaces grid cards with an official, structured member directory list
   ========================================================================== */
.advisory-directory-box {
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  margin-top: 10px;
}

.advisory-directory-header {
  background: linear-gradient(135deg, #f8fafc 0%, #f0f7fd 100%);
  border-bottom: 2px solid var(--border-light);
  padding: 24px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}

.advisory-header-left {
  display: flex;
  align-items: center;
  gap: 16px;
}

.advisory-icon-seal {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-deep) 100%);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  box-shadow: 0 3px 8px rgba(7, 70, 110, 0.22);
  border: 2px solid var(--secondary);
}

.advisory-header-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.25;
}

.advisory-header-sub {
  font-size: 0.9rem;
  color: var(--text-muted);
  font-weight: 500;
  margin-top: 3px;
}

.advisory-header-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--secondary-soft);
  color: var(--secondary-dark);
  border: 1px solid var(--secondary-border);
  padding: 8px 16px;
  border-radius: 20px;
  font-weight: 800;
  font-size: 0.88rem;
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
}

/* Advisory Council Grid - Prominent Executive Cards */
.advisory-grid-wrap {
  padding: 34px 28px;
  background: #f8fafc;
}

.advisory-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.advisory-grid .advisor-card:last-child:nth-child(4n + 1) {
  grid-column: 1 / -1;
  max-width: calc(25% - 15px);
  margin: 0 auto;
  width: 100%;
}

.advisor-card {
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 22px 16px 20px;
  text-align: center;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
  border: 1px solid var(--border-light);
  border-top: 4px solid var(--secondary);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
}

.advisor-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 24px rgba(7, 70, 110, 0.12);
  border-color: var(--secondary);
}

.advisor-photo-wrap {
  width: 140px;
  height: 180px;
  margin: 0 auto 16px;
  border: 4px solid #ffffff;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.12);
  background: #f1f5f9;
  border-radius: 6px;
  overflow: hidden;
  position: relative;
}

.advisor-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  transition: transform 0.4s ease;
  display: block;
}

.advisor-card:hover .advisor-photo-wrap img {
  transform: scale(1.05);
}

.advisor-photo-wrap.is-default {
  background: #f1f5f9;
}

.advisor-photo-wrap.is-default img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
  opacity: 1;
}

.advisor-info {
  width: 100%;
  display: flex;
  flex-direction: column;
  flex: 1;
  align-items: center;
}

.advisor-name {
  font-size: 1.08rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 5px;
  line-height: 1.35;
}

.advisor-role {
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--secondary-deep);
  display: block;
  margin-bottom: 10px;
}

.advisor-tags {
  margin-top: auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  flex-wrap: wrap;
}

.adv-badge-pro {
  background: #fef3c7;
  color: #92400e;
  border: 1px solid #fde68a;
  font-size: 0.74rem;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: inline-block;
}

.adv-tag-loc {
  font-size: 0.82rem;
  color: var(--text-dark);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: #f1f5f9;
  padding: 3px 10px;
  border-radius: 12px;
  border: 1px solid #e2e8f0;
}

.adv-tag-loc i {
  font-size: 0.76rem;
  color: var(--secondary-deep);
}

.advisory-directory-footer {
  background: #f8fafc;
  border-top: 1px solid var(--border-light);
  padding: 16px 28px;
  font-size: 0.88rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.advisory-directory-footer .reg-tag {
  font-weight: 700;
  color: var(--primary-dark);
}



/* Services Grid */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 24px;
}

.service-card {
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: all 0.2s ease;
  border-left: 4px solid var(--secondary);
}

.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-left-color: var(--secondary-deep);
}

.service-icon-wrap {
  width: 52px;
  height: 52px;
  background: var(--secondary-tint);
  color: var(--secondary-dark);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
  border: 1px solid var(--secondary-border);
}

.service-card h3 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 10px;
}

.service-card p {
  font-size: 0.94rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* Contact & Feedback Form */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 40px;
}

.contact-info-card {
  background: linear-gradient(135deg, #053350 0%, #07466e 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--primary-light);
  box-shadow: var(--shadow-md);
}

.contact-info-card h3 {
  font-size: 1.5rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 14px;
}

.contact-detail-row {
  display: flex;
  gap: 16px;
  margin-bottom: 22px;
}

.contact-detail-icon {
  width: 42px;
  height: 42px;
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
  border: 1px solid rgba(255, 255, 255, 0.25);
}

.contact-detail-text h4 {
  font-size: 0.95rem;
  color: #bae6fd;
  font-weight: 700;
  margin-bottom: 4px;
}

.contact-detail-text p, .contact-detail-text a {
  font-size: 0.96rem;
  color: #f1f5f9;
  line-height: 1.6;
}

.contact-detail-text a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.form-card {
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

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

.form-group label {
  display: block;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--text-dark);
  margin-bottom: 6px;
}

.form-control {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border-card);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: inherit;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.form-control:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(8, 147, 223, 0.2);
}

textarea.form-control {
  resize: vertical;
  min-height: 110px;
}

.btn-submit-bank {
  background: var(--primary);
  color: #ffffff;
  border: none;
  font-weight: 700;
  font-size: 1.02rem;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: background 0.2s ease;
  font-family: inherit;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.btn-submit-bank:hover,
a.btn-submit-bank:hover,
button.btn-submit-bank:hover {
  background: var(--primary-deep) !important;
  color: #ffffff !important;
  border-color: var(--primary-deep) !important;
}

.btn-submit-bank:hover i,
a.btn-submit-bank:hover i,
button.btn-submit-bank:hover i {
  color: #ffffff !important;
}

.alert-success {
  background-color: #ecfdf5;
  border: 1px solid #a7f3d0;
  color: #065f46;
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  margin-bottom: 24px;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 10px;
}

/* Bank Footer */
.bank-footer {
  background-color: var(--primary-deep);
  color: #cbd5e1;
  padding: 50px 0 0;
  border-top: 4px solid var(--secondary);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 36px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-col h4 {
  font-size: 1.15rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 18px;
  position: relative;
  padding-bottom: 8px;
}

.footer-col h4::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 40px;
  height: 2.5px;
  background-color: var(--secondary);
}

.footer-col p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: #e2e8f0;
}

.footer-links {
  list-style: none;
}

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

.footer-links a {
  color: #e2e8f0;
  font-size: 0.92rem;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-links a:hover,
.footer-links a:focus {
  color: var(--secondary-bright) !important;
  transform: translateX(4px);
}

.footer-links a:hover *,
.footer-links a:focus * {
  color: var(--secondary-bright) !important;
}

.footer-links a:hover i,
.footer-links a:focus i {
  color: var(--secondary-bright) !important;
}

.footer-col a:hover,
.footer-col a:focus {
  color: var(--secondary-bright) !important;
}

.footer-reg-badge {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  padding: 12px;
  border-radius: var(--radius-md);
  margin-top: 14px;
  font-size: 0.82rem;
}

.footer-reg-badge span {
  color: #ffffff;
  font-weight: 700;
}

.footer-bottom {
  padding: 20px 0;
  text-align: center;
  font-size: 0.85rem;
  color: #94a3b8;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

/* Floating WhatsApp / Phone Helper (Fixed & Stable on Mobile Scroll) */
.floating-contact-btn {
  position: fixed !important;
  bottom: 24px;
  right: 24px;
  background-color: #25d366;
  color: #fff;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25);
  z-index: 9999;
  transform: translateZ(0);
  -webkit-transform: translateZ(0);
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  will-change: box-shadow;
  animation: whatsappPulse 3s infinite;
  transition: background-color 0.2s ease, transform 0.2s ease;
}

.floating-contact-btn:hover {
  transform: scale(1.08) translateZ(0);
  -webkit-transform: scale(1.08) translateZ(0);
  color: #fff;
}

/* Responsive utilities for top bar single row */
.d-desktop {
  display: inline !important;
}

.d-mobile {
  display: none !important;
}

.d-none-desktop {
  display: none !important;
}

.d-none-sm {
  display: inline-flex;
}

.d-none-md {
  display: inline-flex;
}

@media (max-width: 1080px) {
  .d-none-md {
    display: none !important;
  }
}

/* ==========================================================================
   MOBILE RESPONSIVENESS & TOP-BAR / MENU ORDERING
   ========================================================================== */
@media (max-width: 992px) {
  /* Dynamic Flex Reordering on Mobile:
     1. Top Bar (order -4)
     2. Navbar / Menu (order -3) - Sticky at top
     3. Main Brand Header (order -2)
     4. Notice Marquee (order -1)
     5. Page Content (order 0)
     6. Footer (order 100)
  */
  body {
    display: flex;
    flex-direction: column;
  }

  body > * {
    width: 100%;
  }

  .top-bar {
    order: -4;
    padding: 5px 0;
  }

  .navbar {
    order: -3;
    position: sticky;
    top: 0;
    z-index: 1000;
    background-color: var(--primary-deep);
    border-bottom: 2px solid var(--secondary);
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.28);
  }

  .main-header {
    order: -2;
    padding: 14px 0 10px;
  }

  .notice-bar {
    order: -1;
  }

  main, section, .hero-slider, .about-patsanstha-section, .services-section, .page-header-banner, .rates-section, .contact-section {
    order: 0;
  }

  .bank-footer {
    order: 100;
  }

  .footer-bottom {
    order: 101;
  }

  /* Visibility toggles on mobile view */
  .d-desktop {
    display: none !important;
  }

  .d-mobile {
    display: inline !important;
  }

  .d-none-desktop {
    display: block !important;
  }

  .d-none-sm {
    display: none !important;
  }

  .d-none-md {
    display: none !important;
  }

  /* Top Bar Redesign - Strict zero overflow, compact badge & language switcher */
  .top-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: nowrap;
    gap: 8px;
    width: 100%;
    padding: 0 12px;
    overflow: hidden;
  }

  .top-bar-left, .top-bar-right {
    display: flex;
    align-items: center;
    gap: 6px;
    white-space: nowrap;
  }

  .top-badge {
    padding: 3px 8px;
    font-size: 0.72rem;
    white-space: nowrap;
    border-radius: var(--radius-sm);
  }

  .lang-switcher {
    padding: 2px;
    border-radius: 16px;
    flex-shrink: 0;
  }

  .lang-btn {
    padding: 2px 8px;
    font-size: 0.74rem;
  }

  /* Navbar Layout on Mobile */
  .nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 6px 12px;
    position: relative;
    width: 100%;
  }

  .mobile-toggle {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.25);
    color: #ffffff;
    font-size: 0.92rem;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: all 0.2s ease;
  }

  .mobile-toggle:hover, .mobile-toggle:focus {
    background: rgba(255, 255, 255, 0.2);
    border-color: var(--secondary);
    color: var(--secondary-bright);
  }

  .mobile-toggle i {
    font-size: 1.05rem;
    color: var(--secondary);
  }

  .nav-cta {
    margin: 0;
    padding: 6px 12px;
    font-size: 0.8rem;
  }

  /* Compact Member Helpline on Mobile */
  .header-contact-card {
    padding: 4px 12px;
    gap: 8px;
    border-radius: 20px;
  }

  .contact-icon-circle {
    width: 26px;
    height: 26px;
    min-width: 26px;
    font-size: 0.76rem;
    border-width: 1.5px;
  }

  .contact-card-text small {
    font-size: 0.62rem;
    line-height: 1;
  }

  .contact-card-text a {
    font-size: 0.86rem;
    font-weight: 800;
  }

  /* Compact Notice Label on Mobile (Gives 85%+ width to Marquee) */
  .notice-badge-box {
    padding-right: 6px;
  }

  .notice-label {
    padding: 4px 8px;
    font-size: 0.72rem;
    letter-spacing: 0.2px;
  }

  /* Executive Mobile Navigation Menu Drawer */
  .nav-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    width: 100%;
    background: rgba(3, 43, 69, 0.98);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    border-bottom: 3.5px solid var(--secondary);
    box-shadow: 0 14px 30px rgba(0, 0, 0, 0.5);
    flex-direction: column;
    max-height: calc(100vh - 100px);
    overflow-y: auto;
    z-index: 1001;
    padding: 6px 0 10px;
  }

  .nav-menu.show {
    display: flex;
    animation: fadeInDownMenu 0.26s cubic-bezier(0.16, 1, 0.3, 1) forwards;
  }

  @keyframes fadeInDownMenu {
    from {
      opacity: 0;
      transform: translateY(-8px);
    }
    to {
      opacity: 1;
      transform: translateY(0);
    }
  }

  .nav-item {
    width: 100%;
    position: relative;
  }

  .nav-link {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 18px;
    color: #e2e8f0;
    font-size: 0.95rem;
    font-weight: 600;
    width: 100%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
    border-left: 4px solid transparent;
    transition: all 0.2s ease;
  }

  .nav-link i {
    width: 32px;
    height: 32px;
    min-width: 32px;
    border-radius: 50%;
    background: rgba(8, 147, 223, 0.14);
    border: 1px solid rgba(8, 147, 223, 0.25);
    color: var(--secondary-bright);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.9rem;
    transition: all 0.2s ease;
  }

  .nav-link::after {
    content: "\f054";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    margin-left: auto;
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.3);
    transition: transform 0.2s ease, color 0.2s ease;
  }

  .nav-link:hover, 
  .nav-link:active,
  .nav-link:focus {
    background: rgba(255, 255, 255, 0.08) !important;
    color: #ffffff !important;
  }

  .nav-link:hover *,
  .nav-link:active *,
  .nav-link:focus * {
    color: #ffffff !important;
  }

  .nav-link:hover i,
  .nav-link:active i,
  .nav-link:focus i {
    background: var(--primary) !important;
    color: #ffffff !important;
    transform: scale(1.08);
  }

  .nav-link:hover::after,
  .nav-link:active::after,
  .nav-link:focus::after {
    color: var(--secondary) !important;
    transform: translateX(3px);
  }

  .nav-item.active .nav-link {
    background: linear-gradient(90deg, rgba(251, 209, 72, 0.16) 0%, rgba(3, 43, 69, 0) 100%);
    border-left-color: var(--secondary);
    color: #ffffff;
    font-weight: 800;
  }

  .nav-item.active .nav-link i {
    background: var(--secondary);
    color: var(--primary-deep);
    border-color: var(--secondary);
    box-shadow: 0 0 8px rgba(251, 209, 72, 0.5);
  }

  .nav-item.active .nav-link::after {
    color: var(--secondary-bright);
  }

  /* Mobile Nav Drawer Quick Action */
  .nav-mobile-quick {
    margin-top: 6px;
    border-top: 1px solid rgba(251, 209, 72, 0.25);
    background: rgba(0, 0, 0, 0.25);
    padding: 12px 16px;
  }

  .mobile-nav-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 10px;
  }

  .btn-mobile-call {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, hsl(45.31deg, 98.66%, 70.78%) 0%, #f5be24 100%);
    color: #032b45 !important;
    font-weight: 800;
    font-size: 0.85rem;
    padding: 7px 14px;
    border-radius: var(--radius-sm);
    text-decoration: none;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
  }

  .mobile-lang-wrap {
    display: inline-flex;
    gap: 4px;
  }

  .slide-grid {
    grid-template-columns: 1fr;
    gap: 20px;
    text-align: center;
  }

  .slide-content {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .slide-actions {
    justify-content: center;
  }

  /* Responsive Slider Visual Card - Visible on Mobile & Tablet */
  .slide-card-visual {
    display: block !important;
    max-width: 340px;
    width: 100%;
    margin: 12px auto 0;
    padding: 16px 20px;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.28);
    border-radius: var(--radius-md);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
  }

  /* For First Slide (Karmaveer Anna) on Mobile/Tablet: Show Image First, then Text */
  .slide-item:first-child .slide-grid .slide-card-visual,
  .slide-item.slide-karmaveer .slide-card-visual {
    order: -1;
    margin: 0 auto 16px !important;
  }

  .slide-item:first-child .slide-grid .slide-content,
  .slide-item.slide-karmaveer .slide-content {
    order: 2;
  }

  .anna-spotlight-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .calc-body {
    grid-template-columns: 1fr;
  }

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

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

@media (max-width: 768px) {
  /* Anna Spotlight Mobile GPU safety and responsive padding */
  .anna-spotlight-card {
    padding: 24px 18px !important;
  }

  .anna-photo-frame {
    max-width: 220px;
    animation: none !important;
    box-shadow: 0 4px 16px rgba(181, 122, 3, 0.25) !important;
  }

  .brand-logo-img {
    width: 135px;
    height: auto;
    aspect-ratio: 1 / 1;
    max-width: 150px;
  }

  /* Chairman Message Mobile Layout */
  .chairman-msg-card {
    padding: 24px 16px !important;
    margin-bottom: 28px !important;
    border-radius: 16px !important;
  }

  .chairman-grid {
    display: flex !important;
    flex-direction: column !important;
    align-items: center !important;
    text-align: center !important;
    gap: 18px !important;
    width: 100% !important;
  }

  .chairman-photo {
    width: min(230px, 70vw) !important;
    height: min(290px, 88vw) !important;
    max-width: 100% !important;
    margin: 0 auto 12px !important;
    border: 4px solid #ffffff !important;
    border-radius: 12px !important;
    box-shadow: 0 8px 24px rgba(3, 43, 69, 0.2) !important;
  }

  .chairman-grid h2,
  .chairman-grid h3 {
    font-size: clamp(1.22rem, 5vw, 1.48rem) !important;
    line-height: 1.36 !important;
    margin: 6px 0 12px !important;
    text-align: center !important;
  }

  .chairman-grid p {
    font-size: 0.94rem !important;
    line-height: 1.72 !important;
    text-align: justify !important;
    text-justify: inter-word !important;
    margin-bottom: 12px !important;
  }

  .chairman-grid .section-pretitle {
    display: block !important;
    text-align: center !important;
    margin-bottom: 4px !important;
  }

  /* Advisory Committee Directory Mobile Layout */
  .advisory-directory-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 16px 14px;
  }

  .advisory-grid-wrap {
    padding: 16px 10px;
  }

  .advisory-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }

  .advisory-grid .advisor-card:last-child:nth-child(odd) {
    grid-column: 1 / -1;
    max-width: calc(50% - 6px);
    margin: 0 auto;
    width: 100%;
  }

  .advisor-card {
    padding: 14px 8px 12px;
  }

  .advisor-photo-wrap {
    width: 100%;
    max-width: 125px;
    height: 155px;
    margin-bottom: 10px;
  }

  .advisor-name {
    font-size: 0.92rem;
  }

  .advisor-role {
    font-size: 0.78rem;
  }

  .advisor-tags {
    margin-top: 6px;
    gap: 4px;
  }

  .adv-tag-loc {
    font-size: 0.72rem;
    padding: 2px 7px;
  }

  .adv-badge-pro {
    font-size: 0.68rem;
    padding: 2px 6px;
  }

  .advisory-directory-footer {
    flex-direction: column;
    text-align: center;
    gap: 8px;
    padding: 12px 14px;
  }

  /* Footer Mobile Redesign:
     - All content centered
     - Col 1 (About society): Full width, centered
     - Col 2 (Quick links) & Col 3 (Popular schemes): Single row, 2 columns!
     - Col 4 (Branch & contact): Full width section, centered
  */
  .footer-grid {
    display: grid !important;
    grid-template-columns: 1fr 1fr !important;
    gap: 24px 14px !important;
    text-align: center;
    padding-bottom: 24px;
  }

  .footer-col:nth-child(1) {
    grid-column: 1 / -1 !important;
    text-align: center;
  }

  .footer-col:nth-child(1) h4::after {
    left: 50%;
    transform: translateX(-50%);
  }

  .footer-col:nth-child(1) p {
    max-width: 440px;
    margin: 0 auto;
    text-align: center;
  }

  .footer-col:nth-child(1) .footer-reg-badge {
    max-width: 360px;
    margin: 14px auto 0;
    text-align: center;
  }

  .footer-col:nth-child(2),
  .footer-col:nth-child(3) {
    grid-column: span 1 !important;
    text-align: left;
    padding: 0 4px;
  }

  .footer-col:nth-child(2) h4,
  .footer-col:nth-child(3) h4 {
    font-size: 0.96rem;
    text-align: center;
    margin-bottom: 12px;
  }

  .footer-col:nth-child(2) h4::after,
  .footer-col:nth-child(3) h4::after {
    left: 50%;
    transform: translateX(-50%);
  }

  .footer-col:nth-child(2) .footer-links,
  .footer-col:nth-child(3) .footer-links {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-col:nth-child(2) .footer-links a,
  .footer-col:nth-child(3) .footer-links a {
    font-size: 0.84rem;
  }

  .footer-col:nth-child(4) {
    grid-column: 1 / -1 !important;
    text-align: center;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding-top: 20px;
  }

  .footer-col:nth-child(4) h4::after {
    left: 50%;
    transform: translateX(-50%);
  }

  .footer-col:nth-child(4) p {
    text-align: center;
    max-width: 440px;
    margin-left: auto;
    margin-right: auto;
  }

  .footer-col:nth-child(4) div[style*="background"] {
    max-width: 360px;
    margin: 12px auto 0 !important;
    text-align: center;
  }

  .footer-bottom-inner {
    flex-direction: column;
    text-align: center;
    gap: 8px;
  }
}

@media (max-width: 600px) {
  .header-inner {
    flex-direction: column;
    text-align: center;
    padding: 10px 0 8px;
    gap: 8px;
  }

  .brand-wrap {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 8px;
  }

  .brand-logo-img {
    width: 155px;
    height: auto;
    aspect-ratio: 1 / 1;
    max-width: 175px;
    margin: 0 auto 10px;
    filter: drop-shadow(0 4px 12px rgba(3, 43, 69, 0.2));
    display: block;
    transform: translateZ(0);
    -webkit-transform: translateZ(0);
    overflow: visible;
  }

  .brand-text-block h1 {
    font-size: 1.15rem;
    line-height: 1.3;
    margin-bottom: 2px;
    font-weight: 800;
  }

  .brand-text-block .en-name {
    font-size: 0.72rem;
    letter-spacing: 0.2px;
    margin-bottom: 4px;
  }

  .brand-tagline {
    font-size: 0.75rem;
    padding: 3px 10px;
    line-height: 1.35;
    white-space: normal;
    text-align: center;
    display: inline-flex;
    justify-content: center;
    max-width: 96%;
  }

  .header-right-meta {
    width: 100%;
    justify-content: center;
    margin-top: 4px;
  }

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

  .slide-item {
    padding: 22px 0 46px;
  }

  .slide-title {
    font-size: 1.25rem;
    line-height: 1.35;
    margin-bottom: 8px;
  }

  .slide-desc {
    font-size: 0.84rem;
    line-height: 1.5;
    margin-bottom: 12px;
  }

  .slide-actions {
    display: flex;
    flex-direction: row;
    flex-wrap: wrap;
    justify-content: center;
    gap: 8px;
  }

  .slide-actions .btn-primary-bank,
  .slide-actions .btn-outline-white {
    padding: 8px 14px;
    font-size: 0.82rem;
    flex: 1 1 auto;
    max-width: 190px;
    justify-content: center;
  }

  .slide-card-visual {
    max-width: 275px;
    margin: 10px auto 0;
    padding: 12px 14px;
  }

  /* For First Slide (Karmaveer Anna) on Mobile View: Show Image First, then Text */
  .slide-item:first-child .slide-grid .slide-card-visual,
  .slide-item.slide-karmaveer .slide-card-visual {
    order: -1;
    margin: 0 auto 14px !important;
  }

  .slide-item:first-child .slide-grid .slide-content,
  .slide-item.slide-karmaveer .slide-content {
    order: 2;
  }

  .slide-card-visual div[style*="border-radius: 8px"] {
    width: 115px !important;
    height: 145px !important;
    margin: 0 auto 6px !important;
  }

  .slide-card-visual div[style*="font-size: 2.8rem"],
  .slide-card-visual div[style*="font-size: 3rem"] {
    font-size: 1.85rem !important;
  }

  .slide-card-visual div[style*="font-size: 2.2rem"] {
    font-size: 1.45rem !important;
  }

  .top-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    overflow: hidden;
    white-space: nowrap;
    padding: 0 8px;
  }

  .slider-arrow {
    display: none;
  }

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

  /* Board of Directors: Responsive 2-column mobile cards */
  .directors-grid {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 12px !important;
  }

  .director-card {
    padding: 12px 6px;
  }

  .director-photo-wrap {
    width: 95px;
    height: 120px;
    margin: 0 auto 8px;
  }

  .director-name {
    font-size: 0.88rem;
    line-height: 1.25;
  }

  .director-desig {
    font-size: 0.76rem;
  }

  .director-badge-stamp {
    font-size: 0.68rem;
    padding: 1px 5px;
  }

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

  .bank-table th, .bank-table td {
    padding: 10px 12px;
    font-size: 0.88rem;
  }

  .rates-container-box {
    padding: 18px 14px;
  }

  .calc-body {
    padding: 20px 14px;
  }

  .form-card {
    padding: 22px 16px;
  }

  .contact-info-card {
    padding: 22px 16px;
  }
}

/* ==========================================================================
   ABOUT PATSANSTHA HOME SHOWCASE & KEY HIGHLIGHTS SECTION
   Executive, modern banking presentation (No redundant 5 values deck)
   ========================================================================== */
.about-patsanstha-section {
  background: linear-gradient(180deg, #ffffff 0%, var(--bg-alt) 60%, #ffffff 100%);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  position: relative;
  overflow: hidden;
  padding: 60px 0;
}

.about-patsanstha-section::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -100px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(8, 147, 223, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.about-patsanstha-section::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -80px;
  width: 350px;
  height: 350px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(251, 209, 72, 0.09) 0%, transparent 70%);
  pointer-events: none;
}

.about-showcase-grid {
  display: grid;
  grid-template-columns: 1.12fr 1fr;
  gap: 32px;
  align-items: stretch;
  margin-bottom: 36px;
}

/* Left Box: Identity, Tagline, Story & Credentials */
.about-left-box {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 16px;
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-top: 4px solid var(--primary);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  box-shadow: 0 4px 18px rgba(3, 43, 69, 0.06);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s ease;
}

.about-left-box:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(3, 43, 69, 0.1);
}

.about-hero-title {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.28;
  margin: 4px 0 2px;
}

/* Prominent Tagline Card with Animated Golden Shimmer */
.patsanstha-tagline-card {
  position: relative;
  background: linear-gradient(135deg, #fffcf0 0%, #ffffff 100%);
  border: 1.5px solid var(--secondary);
  border-left: 5px solid var(--secondary);
  padding: 16px 20px;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--secondary-dark);
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: 0 4px 16px rgba(245, 158, 11, 0.12);
  overflow: hidden;
}

.patsanstha-tagline-card::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -120%;
  width: 70%;
  height: 200%;
  background: linear-gradient(90deg, transparent, rgba(251, 209, 72, 0.35), transparent);
  transform: rotate(25deg);
  animation: shimmerSweep 4.5s ease-in-out infinite;
  pointer-events: none;
}

.patsanstha-tagline-card .quote-icon {
  font-size: 1.35rem;
  color: var(--secondary-deep);
  opacity: 0.9;
  flex-shrink: 0;
}

.patsanstha-desc-text {
  font-size: 0.98rem;
  color: var(--text-dark);
  line-height: 1.78;
}

.credentials-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  background: var(--bg-alt);
  padding: 16px 18px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  box-shadow: inset 0 1px 3px rgba(0, 0, 0, 0.02);
}

.cred-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-dark);
  transition: transform 0.2s ease;
}

.cred-item:hover {
  transform: translateX(3px);
}

.cred-item i {
  color: var(--primary);
  font-size: 0.95rem;
  margin-top: 3px;
  flex-shrink: 0;
}

.cred-item strong {
  color: var(--primary-deep);
}

.about-cta-group {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 6px;
}

/* Right Feature Grid: 4 Key Banking Highlight Cards */
.patsanstha-feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.patsanstha-card {
  background: #ffffff;
  border: 1px solid var(--border-card);
  border-top: 3.5px solid var(--primary);
  border-radius: var(--radius-lg);
  padding: 22px 18px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s ease, border-color 0.3s ease;
  position: relative;
}

.patsanstha-card:hover {
  transform: translateY(-7px);
  box-shadow: 0 14px 30px rgba(7, 70, 110, 0.14);
  border-top-color: var(--secondary);
}

.patsanstha-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.patsanstha-card-icon {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-md);
  background: var(--primary-subtle);
  color: var(--primary-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  border: 1px solid var(--border-primary);
  transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1), background 0.3s ease, color 0.3s ease;
}

.patsanstha-card:hover .patsanstha-card-icon {
  transform: scale(1.14) rotate(6deg);
  background: var(--secondary-tint);
  color: var(--secondary-dark);
  border-color: var(--secondary-border);
}

.patsanstha-card-badge {
  font-size: 0.74rem;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 12px;
  background: var(--primary-subtle);
  color: var(--primary-deep);
  border: 1px solid var(--border-primary);
  transition: transform 0.2s ease;
}

.patsanstha-card:hover .patsanstha-card-badge {
  transform: scale(1.05);
}

.patsanstha-card-badge.badge-gold {
  background: var(--secondary-soft);
  color: var(--secondary-dark);
  border-color: var(--secondary-border);
}

.patsanstha-card h4 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 8px;
  line-height: 1.35;
}

.patsanstha-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.62;
  margin: 0;
}

/* 4 High-Impact Banking Statistics Cards Strip */
.stats-counter-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-top: 10px;
}

.stat-metric-card {
  background: linear-gradient(135deg, var(--primary-deep) 0%, var(--primary-dark) 100%);
  color: #ffffff;
  padding: 22px 18px;
  border-radius: var(--radius-lg);
  text-align: center;
  border-top: 3.5px solid var(--secondary);
  box-shadow: 0 4px 14px rgba(3, 43, 69, 0.16);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s ease, border-color 0.3s ease;
  position: relative;
  overflow: hidden;
}

.stat-metric-card:hover {
  transform: translateY(-6px) scale(1.02);
  box-shadow: 0 14px 28px rgba(3, 43, 69, 0.28);
  border-top-color: var(--secondary-bright);
}

.stat-number {
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--secondary);
  line-height: 1.15;
  margin-bottom: 6px;
  font-family: var(--font-en);
  transition: transform 0.25s ease;
}

.stat-metric-card:hover .stat-number {
  transform: scale(1.08);
}

.stat-number-compact {
  font-size: 1.45rem;
  line-height: 1.25;
  letter-spacing: -0.3px;
  font-family: var(--font-mr);
}

.stat-label {
  font-size: 0.86rem;
  font-weight: 600;
  color: #e0f2fe;
  line-height: 1.4;
}

@media (max-width: 992px) {
  .about-showcase-grid {
    grid-template-columns: 1fr;
  }
  .stats-counter-strip {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .credentials-list {
    grid-template-columns: 1fr;
  }
  .patsanstha-feature-grid {
    grid-template-columns: 1fr;
  }
  .stats-counter-strip {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .stats-counter-strip {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   GLOBAL ANIMATION SYSTEM & MICRO-INTERACTIONS
   Transforms the website into a lively, aesthetic, interactive experience
   ========================================================================== */

/* Keyframe Definitions */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeInLeft {
  from {
    opacity: 0;
    transform: translateX(-24px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

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

@keyframes scaleIn {
  from {
    opacity: 0;
    transform: scale(0.93);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

@keyframes pulseGlow {
  0%, 100% {
    box-shadow: 0 0 10px rgba(251, 209, 72, 0.35);
  }
  50% {
    box-shadow: 0 0 24px rgba(251, 209, 72, 0.7);
  }
}

@keyframes pulseSoft {
  0%, 100% {
    transform: scale(1);
  }
  50% {
    transform: scale(1.03);
  }
}

@keyframes floatSlow {
  0%, 100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-6px);
  }
}

@keyframes expandDivider {
  from {
    width: 0;
    opacity: 0;
  }
  to {
    width: 80px;
    opacity: 1;
  }
}

@keyframes whatsappPulse {
  0% {
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25), 0 0 0 0 rgba(37, 211, 102, 0.75);
  }
  70% {
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25), 0 0 0 15px rgba(37, 211, 102, 0);
  }
  100% {
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25), 0 0 0 0 rgba(37, 211, 102, 0);
  }
}

@keyframes ringPulse {
  0% {
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25), 0 0 0 0 rgba(37, 211, 102, 0.75);
  }
  70% {
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25), 0 0 0 15px rgba(37, 211, 102, 0);
  }
  100% {
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25), 0 0 0 0 rgba(37, 211, 102, 0);
  }
}

@keyframes shimmerSweep {
  0% {
    transform: rotate(25deg) translateX(-150%);
  }
  35%, 100% {
    transform: rotate(25deg) translateX(150%);
  }
}

@keyframes badgePulse {
  0%, 100% {
    border-color: rgba(245, 158, 11, 0.3);
  }
  50% {
    border-color: rgba(245, 158, 11, 0.85);
    box-shadow: 0 0 8px rgba(245, 158, 11, 0.3);
  }
}

/* Progressive, Safe Scroll Reveal Classes */
/* DEFAULT: 100% visible so content is NEVER hidden or blank */
.reveal-on-scroll,
.reveal-left,
.reveal-right,
.reveal-scale {
  opacity: 1;
  transform: none;
  transition: opacity 0.65s cubic-bezier(0.16, 1, 0.3, 1), 
              transform 0.65s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: opacity, transform;
}

/* Active Scroll Animation State - enabled via JS */
html.js-animated .reveal-on-scroll {
  opacity: 0;
  transform: translateY(28px);
}

html.js-animated .reveal-on-scroll.is-revealed {
  opacity: 1 !important;
  transform: translateY(0);
}

html.js-animated .reveal-left {
  opacity: 0;
  transform: translateX(-28px);
}

html.js-animated .reveal-left.is-revealed {
  opacity: 1 !important;
  transform: translateX(0);
}

html.js-animated .reveal-right {
  opacity: 0;
  transform: translateX(28px);
}

html.js-animated .reveal-right.is-revealed {
  opacity: 1 !important;
  transform: translateX(0);
}

html.js-animated .reveal-scale {
  opacity: 0;
  transform: scale(0.94);
}

html.js-animated .reveal-scale.is-revealed {
  opacity: 1 !important;
  transform: scale(1);
}

/* Stagger Delay Utility Classes */
.delay-1 { transition-delay: 0.08s; }
.delay-2 { transition-delay: 0.16s; }
.delay-3 { transition-delay: 0.24s; }
.delay-4 { transition-delay: 0.32s; }
.delay-5 { transition-delay: 0.40s; }
.delay-6 { transition-delay: 0.48s; }

/* Micro-interactions: Buttons */
.btn-primary-bank,
.btn-submit-bank,
.btn-outline-white,
.btn-outline-primary {
  position: relative;
  overflow: hidden;
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.25s ease, background 0.25s ease;
}

.btn-primary-bank::after,
.btn-submit-bank::after {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: linear-gradient(60deg, transparent 30%, rgba(255, 255, 255, 0.28) 50%, transparent 70%);
  transform: rotate(30deg) translateX(-120%);
  transition: transform 0.65s ease;
  pointer-events: none;
}

.btn-primary-bank:hover::after,
.btn-submit-bank:hover::after {
  transform: rotate(30deg) translateX(120%);
}

/* Universal Button Hover Standard: Text MUST ALWAYS be Crisp White (#ffffff) on Tailored High-Contrast Hover Background */
a[class*="btn"]:hover,
button[class*="btn"]:hover,
.btn-primary-bank:hover,
.btn-submit-bank:hover,
.btn-outline-white:hover,
.btn-outline-primary:hover,
.btn-mobile-call:hover {
  color: #ffffff !important;
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 8px 22px rgba(3, 43, 69, 0.3) !important;
  text-decoration: none !important;
}

/* Ensure ALL child text nodes, spans, icons inside buttons are crisp white on hover */
a[class*="btn"]:hover *,
button[class*="btn"]:hover *,
.btn-primary-bank:hover *,
.btn-submit-bank:hover *,
.btn-outline-white:hover *,
.btn-outline-primary:hover *,
.btn-mobile-call:hover * {
  color: #ffffff !important;
}

/* Button-specific contrasting hover backgrounds */
a.btn-primary-bank:hover,
button.btn-primary-bank:hover,
.btn-primary-bank:hover {
  background: var(--primary-dark) !important;
  border-color: var(--primary-dark) !important;
  color: #ffffff !important;
}

a.btn-submit-bank:hover,
button.btn-submit-bank:hover,
.btn-submit-bank:hover {
  background: var(--primary-deep) !important;
  border-color: var(--primary-deep) !important;
  color: #ffffff !important;
}

a.btn-outline-white:hover,
button.btn-outline-white:hover,
.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.22) !important;
  border-color: #ffffff !important;
  color: #ffffff !important;
}

a.btn-outline-primary:hover,
button.btn-outline-primary:hover,
.btn-outline-primary:hover {
  background: var(--primary) !important;
  border-color: var(--primary) !important;
  color: #ffffff !important;
}

a.btn-mobile-call:hover,
.btn-mobile-call:hover {
  background: var(--primary-deep) !important;
  color: #ffffff !important;
}

.btn-primary-bank:active,
.btn-submit-bank:active,
.btn-outline-white:active,
.btn-outline-primary:active,
.btn-mobile-call:active {
  transform: translateY(0) scale(0.98);
}

.btn-primary-bank i,
.btn-submit-bank i,
.btn-outline-white i,
.btn-outline-primary i,
.btn-mobile-call i {
  transition: transform 0.2s ease, color 0.2s ease;
}

.btn-primary-bank:hover i,
.btn-submit-bank:hover i,
.btn-outline-white:hover i,
.btn-outline-primary:hover i,
.btn-mobile-call:hover i {
  color: #ffffff !important;
  transform: translateX(4px);
}

/* Micro-interactions: Cards & Containers */
/* All interactive cards must transition transform, shadow, border AND opacity smoothly */
.director-card,
.service-card,
.feature-item,
.patsanstha-card,
.value-card,
.calculator-box,
.rates-container-box,
.form-card,
.contact-info-card,
.anna-spotlight-card,
.about-left-box,
.stat-metric-card,
.why-spotlight-card,
.usp-card,
.triple-lock-card,
.trust-chip {
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1), 
              box-shadow 0.35s ease, 
              border-color 0.35s ease, 
              opacity 0.65s cubic-bezier(0.16, 1, 0.3, 1) !important;
}

/* ==========================================================================
   UNIVERSAL CARD HOVER (DESKTOP) & VIEWPORT ANIMATION (MOBILE) SYSTEM
   Matches the signature 4 Pillars interactive UX across all sections & pages
   ========================================================================== */
.director-card,
.advisor-card,
.service-card,
.feature-item,
.value-card,
.patsanstha-card,
.stat-metric-card,
.why-spotlight-card,
.usp-card,
.triple-lock-card,
.rates-special-card,
.gold-loan-highlight-card,
.contact-info-card,
.form-card,
.about-left-box,
.why-comparison-col,
.calc-results-card {
  transition: transform 0.38s cubic-bezier(0.16, 1, 0.3, 1), 
              box-shadow 0.38s cubic-bezier(0.16, 1, 0.3, 1), 
              border-color 0.38s cubic-bezier(0.16, 1, 0.3, 1) !important;
}

/* Card Elevation, Golden Border Accent & Deep Premium Shadow */
.director-card:hover,
.director-card.is-in-view,
.advisor-card:hover,
.advisor-card.is-in-view,
.service-card:hover,
.service-card.is-in-view,
.feature-item:hover,
.feature-item.is-in-view,
.value-card:hover,
.value-card.is-in-view,
.patsanstha-card:hover,
.patsanstha-card.is-in-view,
.stat-metric-card:hover,
.stat-metric-card.is-in-view,
.why-spotlight-card:hover,
.why-spotlight-card.is-in-view,
.usp-card:hover,
.usp-card.is-in-view,
.triple-lock-card:hover,
.triple-lock-card.is-in-view,
.rates-special-card:hover,
.rates-special-card.is-in-view,
.gold-loan-highlight-card:hover,
.gold-loan-highlight-card.is-in-view,
.contact-info-card:hover,
.contact-info-card.is-in-view,
.form-card:hover,
.form-card.is-in-view,
.about-left-box:hover,
.about-left-box.is-in-view,
.why-comparison-col:hover,
.why-comparison-col.is-in-view,
.calc-results-card:hover,
.calc-results-card.is-in-view {
  transform: translateY(-6px) !important;
  border-color: var(--secondary, #b57a03) !important;
  box-shadow: 0 16px 36px rgba(3, 43, 69, 0.14), 0 0 16px rgba(181, 122, 3, 0.16) !important;
}

/* Specific Accent Border Highlights on Hover & Mobile In-View */
.service-card:hover,
.service-card.is-in-view {
  border-left-color: var(--secondary, #b57a03) !important;
}

.value-card:hover,
.value-card.is-in-view,
.patsanstha-card:hover,
.patsanstha-card.is-in-view,
.advisor-card:hover,
.advisor-card.is-in-view {
  border-top-color: var(--secondary, #b57a03) !important;
}

.stat-metric-card:hover,
.stat-metric-card.is-in-view {
  border-top-color: var(--secondary-bright, #ffd54f) !important;
}

.usp-card:hover::before,
.usp-card.is-in-view::before {
  width: 8px !important;
  background: var(--primary-deep, #043856) !important;
}

/* Icon Rotation, Scale & Glow Effects */
.service-card:hover .service-icon-wrap,
.service-card.is-in-view .service-icon-wrap,
.patsanstha-card:hover .patsanstha-card-icon,
.patsanstha-card.is-in-view .patsanstha-card-icon,
.feature-item:hover .feature-icon-box,
.feature-item.is-in-view .feature-icon-box,
.usp-card:hover .usp-icon-badge,
.usp-card.is-in-view .usp-icon-badge,
.usp-card:hover .usp-medallion,
.usp-card.is-in-view .usp-medallion,
.triple-lock-card:hover .lock-icon-circle,
.triple-lock-card.is-in-view .lock-icon-circle,
.stat-metric-card:hover .stat-number,
.stat-metric-card.is-in-view .stat-number,
.value-card:hover .value-card-num,
.value-card.is-in-view .value-card-num {
  transform: scale(1.15) rotate(6deg) !important;
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1), background-color 0.3s ease !important;
}

.patsanstha-card:hover .patsanstha-card-icon,
.patsanstha-card.is-in-view .patsanstha-card-icon {
  background: var(--secondary-tint, #fef3c7) !important;
  color: var(--secondary-dark, #92400e) !important;
  border-color: var(--secondary-border, #fde68a) !important;
}

.usp-card:hover .usp-medallion,
.usp-card.is-in-view .usp-medallion {
  background: var(--secondary, #b57a03) !important;
  border-color: #043856 !important;
  color: #ffffff !important;
}

/* Photo Zoom on Hover and Mobile In-View */
.advisor-card:hover .advisor-photo-wrap img,
.advisor-card.is-in-view .advisor-photo-wrap img,
.director-card:hover .director-photo-wrap img,
.director-card.is-in-view .director-photo-wrap img {
  transform: scale(1.08) !important;
  transition: transform 0.4s ease !important;
}

/* Feature Item & Cred Item micro movements */
.cred-item:hover,
.cred-item.is-in-view {
  transform: translateX(4px) !important;
}
.cred-item:hover i,
.cred-item.is-in-view i {
  color: var(--secondary-deep, #b57a03) !important;
  transform: scale(1.2) rotate(6deg) !important;
  transition: transform 0.3s ease, color 0.3s ease !important;
}

/* Section Header Golden Divider expansion on reveal */
.section-header .divider-gold {
  transition: width 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}

.section-header.is-revealed .divider-gold,
.section-header:hover .divider-gold {
  animation: expandDivider 0.85s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

/* Anna Spotlight Photo Frame Aura (desktop subtle hover glow, static on mobile) */
@media (min-width: 769px) {
  .anna-photo-frame:hover {
    transform: scale(1.03) translateZ(0);
    box-shadow: 0 8px 28px rgba(251, 209, 72, 0.45);
  }
}

/* ==========================================================================
   WHY VATVRUKSHA? (MASTER DESIGN SYSTEM - KEY USPs & GOVERNANCE PILLARS)
   ========================================================================== */
.why-hero-banner {
  background: 
    radial-gradient(circle at 50% 10%, rgba(251, 209, 72, 0.16) 0%, transparent 60%),
    radial-gradient(circle at 90% 80%, rgba(8, 147, 223, 0.12) 0%, transparent 50%),
    linear-gradient(135deg, #021a2c 0%, #032b45 45%, #054e7a 100%);
  color: #ffffff;
  padding: 64px 0 54px;
  text-align: center;
  position: relative;
  overflow: hidden;
  border-bottom: 4px solid var(--secondary);
}

.why-hero-banner::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px);
  background-size: 24px 24px;
  pointer-events: none;
}

.why-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(251, 209, 72, 0.15);
  border: 1.5px solid var(--secondary);
  color: var(--secondary-bright);
  padding: 7px 18px;
  border-radius: 30px;
  font-size: 0.9rem;
  font-weight: 800;
  letter-spacing: 0.5px;
  margin-bottom: 18px;
  box-shadow: 0 4px 14px rgba(251, 209, 72, 0.2);
  text-transform: uppercase;
}

.why-hero-badge i {
  color: var(--secondary);
  animation: pulseIcon 2s infinite;
}

@keyframes pulseIcon {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.15); }
}

.why-hero-title {
  font-size: clamp(1.9rem, 4vw, 2.85rem);
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: 16px;
  color: #ffffff;
  letter-spacing: -0.3px;
}

.why-hero-title span {
  color: var(--secondary-bright);
}

.why-hero-desc {
  font-size: 1.15rem;
  color: #e0f2fe;
  max-width: 820px;
  margin: 0 auto 28px;
  line-height: 1.75;
  font-weight: 400;
}

/* Quick Trust Strip inside Hero */
.why-hero-trust-bar {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  max-width: 960px;
  margin: 0 auto;
}

.trust-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(251, 209, 72, 0.35);
  padding: 7px 16px;
  border-radius: 24px;
  font-size: 0.86rem;
  font-weight: 700;
  color: #ffffff;
  transition: all 0.25s ease;
}

.trust-chip i {
  color: var(--secondary);
}

.trust-chip:hover {
  background: rgba(251, 209, 72, 0.2);
  border-color: var(--secondary-bright);
  transform: translateY(-2px);
}

/* ==========================================================================
   DUAL SPOTLIGHT SHOWCASE (Inspiration vs Institutional Commitment)
   ========================================================================== */
.why-spotlight-section {
  padding: 48px 0 20px;
}

.why-spotlight-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

.why-spotlight-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 2px solid var(--border-light);
  box-shadow: 0 10px 30px rgba(3, 43, 69, 0.07);
  padding: 34px 32px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  transition: all 0.3s ease;
}

.why-spotlight-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--secondary);
}

.why-spotlight-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(3, 43, 69, 0.12);
  border-color: rgba(251, 209, 72, 0.7);
}

.spotlight-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: 16px;
  width: fit-content;
  margin-bottom: 18px;
  letter-spacing: 0.3px;
  text-transform: uppercase;
}

.spotlight-card-badge.gold {
  background: rgba(181, 122, 3, 0.12);
  color: #92400e;
  border: 1px solid rgba(181, 122, 3, 0.25);
}

.spotlight-card-badge.blue {
  background: rgba(8, 147, 223, 0.12);
  color: #0369a1;
  border: 1px solid rgba(8, 147, 223, 0.25);
}

.spotlight-visual-row {
  display: flex;
  align-items: center;
  gap: 22px;
  margin-bottom: 20px;
}

/* Anna Photo Frame */
.why-anna-frame {
  width: 120px;
  height: 150px;
  min-width: 120px;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 3px solid #ffffff;
  outline: 2px solid var(--secondary);
  box-shadow: 0 6px 18px rgba(181, 122, 3, 0.28);
  background: #032b45;
  flex-shrink: 0;
}

.why-anna-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Society Logo Pedestal Frame */
.why-logo-frame {
  width: 120px;
  height: 120px;
  min-width: 120px;
  border-radius: 50%;
  background: #ffffff;
  border: 3px solid #ffffff;
  outline: 2px solid var(--secondary);
  box-shadow: 0 6px 20px rgba(3, 43, 69, 0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px;
  flex-shrink: 0;
}

.why-logo-frame img {
  width: 90px;
  height: 90px;
  object-fit: contain;
}

.spotlight-title-block h3 {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.3;
  margin-bottom: 6px;
}

.spotlight-title-block .spotlight-subtitle {
  font-size: 0.88rem;
  color: var(--text-muted);
  font-weight: 600;
  line-height: 1.4;
}

.why-quote-card {
  background: #fefce8;
  border-left: 4px solid var(--secondary);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 12px 16px;
  margin-bottom: 18px;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary-deep);
  line-height: 1.5;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.why-quote-card i {
  color: var(--secondary-deep);
  font-size: 1.1rem;
  margin-top: 2px;
}

.why-spotlight-card p {
  font-size: 0.98rem;
  color: var(--text-dark);
  line-height: 1.7;
  margin-bottom: 16px;
  flex-grow: 1;
}

.spotlight-features-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  border-top: 1px solid var(--border-light);
  padding-top: 14px;
}

.spotlight-features-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--primary-deep);
}

.spotlight-features-list li i {
  color: #16a34a;
  font-size: 0.95rem;
}

/* ==========================================================================
   4 REVOLUTIONARY KEY USPs (THE 4 GOVERNANCE PILLARS)
   ========================================================================== */
.why-usps-section {
  background-color: var(--bg-alt);
  padding: 56px 0 64px;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.why-usps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
}

.usp-card {
  background: #ffffff;
  border: 2px solid var(--border-light);
  border-radius: 16px;
  padding: 32px 30px 28px;
  box-shadow: var(--shadow-sm);
  transition: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.usp-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 5px;
  height: 100%;
  background: var(--secondary);
  transition: width 0.3s ease, background-color 0.3s ease;
}

.usp-card:hover,
.usp-card.is-in-view {
  transform: translateY(-5px);
  border-color: var(--secondary);
  box-shadow: 0 14px 30px rgba(3, 43, 69, 0.09);
}

.usp-card:hover::before,
.usp-card.is-in-view::before {
  width: 8px;
  background: var(--primary);
}

.usp-card-topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}

.usp-medallion {
  width: 48px;
  height: 48px;
  background: #043856;
  color: #ffffff;
  font-size: 1.25rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--secondary);
  box-shadow: none;
  flex-shrink: 0;
  transition: background-color 0.3s ease, border-color 0.3s ease;
}

.usp-card:hover .usp-medallion {
  background: var(--secondary);
  border-color: #043856;
  color: #ffffff;
}

.usp-category-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 800;
  padding: 5px 12px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}

.usp-category-tag.red {
  background: #fef2f2;
  color: #991b1b;
  border: 1px solid #fecaca;
}

.usp-category-tag.amber {
  background: #fffbeb;
  color: #92400e;
  border: 1px solid #fde68a;
}

.usp-category-tag.green {
  background: #f0fdf4;
  color: #166534;
  border: 1px solid #bbf7d0;
}

.usp-category-tag.blue {
  background: #f0f9ff;
  color: #075985;
  border: 1px solid #bae6fd;
}

.usp-icon-badge {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
}

.usp-icon-badge.red {
  background: #fee2e2;
  color: #dc2626;
  border: 1px solid #fca5a5;
}

.usp-icon-badge.amber {
  background: #fef3c7;
  color: #d97706;
  border: 1px solid #fcd34d;
}

.usp-icon-badge.green {
  background: #dcfce7;
  color: #16a34a;
  border: 1px solid #86efac;
}

.usp-icon-badge.blue {
  background: #e0f2fe;
  color: #0284c7;
  border: 1px solid #7dd3fc;
}

.usp-card-title {
  font-size: 1.28rem;
  font-weight: 800;
  color: var(--primary-deep);
  line-height: 1.35;
  margin-bottom: 12px;
}

.usp-card-rule {
  font-size: 1rem;
  color: var(--text-dark);
  line-height: 1.75;
  margin-bottom: 16px;
  font-weight: 500;
}

/* Why it matters to member callout */
.usp-impact-box {
  background: #f8fafc;
  border-left: 3px solid var(--primary-light);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 12px 14px;
  margin-bottom: 18px;
  font-size: 0.88rem;
  line-height: 1.6;
  color: var(--text-dark);
}

.usp-impact-box strong {
  color: var(--primary-deep);
  display: block;
  margin-bottom: 3px;
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}

.usp-bottom-ribbon {
  background: #fefce8;
  border: 1px solid #fde047;
  color: #854d0e;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.86rem;
  font-weight: 700;
  line-height: 1.5;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: auto;
}

.usp-bottom-ribbon i {
  color: #16a34a;
  font-size: 1.15rem;
  flex-shrink: 0;
}

/* ==========================================================================
   COMPARISON MATRIX SECTION (Traditional vs Vatvruksha)
   ========================================================================== */
.why-comparison-section {
  padding: 56px 0;
}

.why-comparison-box {
  background: #032b45;
  color: #ffffff;
  border-radius: 18px;
  padding: 44px 38px;
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.25);
  border: 2px solid var(--secondary);
}

.why-comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 28px;
}

.why-comparison-col {
  border-radius: var(--radius-md);
  padding: 26px 24px;
  display: flex;
  flex-direction: column;
}

.why-comparison-col.others {
  background: rgba(239, 68, 68, 0.08);
  border: 1.5px solid rgba(239, 68, 68, 0.35);
}

.why-comparison-col.others h4 {
  color: #fca5a5;
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(239, 68, 68, 0.25);
}

.why-comparison-col.vatvruksha {
  background: rgba(34, 197, 94, 0.09);
  border: 1.5px solid var(--secondary);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
}

.why-comparison-col.vatvruksha h4 {
  color: var(--secondary-bright);
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(251, 209, 72, 0.35);
}

.why-comparison-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.why-comparison-col ul li {
  font-size: 0.94rem;
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.why-comparison-col ul li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.why-comparison-col.others ul li i {
  color: #ef4444;
  font-size: 1.05rem;
  margin-top: 3px;
  flex-shrink: 0;
}

.why-comparison-col.vatvruksha ul li i {
  color: #22c55e;
  font-size: 1.15rem;
  margin-top: 3px;
  flex-shrink: 0;
}

.why-comparison-col.vatvruksha ul li strong {
  color: #ffffff;
}

/* ==========================================================================
   3-TIER DEPOSITOR SAFETY NET SECTION (सुरक्षेची ३-स्तरीय तटबंदी)
   ========================================================================== */
.why-triple-lock-section {
  background-color: #ffffff;
  padding: 56px 0 60px;
  border-top: 1px solid var(--border-light);
}

.triple-lock-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  margin-top: 36px;
}

.triple-lock-card {
  background: #ffffff;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.04);
  text-align: center;
  transition: all 0.3s ease;
  position: relative;
}

.triple-lock-card:hover {
  transform: translateY(-4px);
  border-color: var(--secondary);
  box-shadow: 0 12px 28px rgba(3, 43, 69, 0.1);
}

.lock-badge-num {
  position: absolute;
  top: 14px;
  right: 16px;
  font-size: 0.76rem;
  font-weight: 800;
  color: var(--secondary-deep);
  background: rgba(251, 209, 72, 0.18);
  padding: 2px 8px;
  border-radius: 12px;
}

.lock-icon-circle {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: #043856;
  color: var(--secondary-bright);
  font-size: 1.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  box-shadow: 0 4px 12px rgba(3, 43, 69, 0.18);
  border: 2px solid var(--secondary);
}

.triple-lock-card h4 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary-deep);
  margin-bottom: 10px;
}

.triple-lock-card p {
  font-size: 0.9rem;
  color: var(--text-dark);
  line-height: 1.65;
  margin: 0;
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES FOR WHY VATVRUKSHA
   ========================================================================== */
@media (max-width: 992px) {
  .why-spotlight-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .why-usps-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }
  .why-comparison-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .triple-lock-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }
}

@media (max-width: 600px) {
  .why-hero-banner {
    padding: 44px 0 38px;
  }
  .why-hero-title {
    font-size: 1.55rem;
    line-height: 1.3;
  }
  .why-hero-desc {
    font-size: 0.94rem;
    margin-bottom: 20px;
  }
  .why-hero-trust-bar {
    gap: 8px;
  }
  .trust-chip {
    font-size: 0.78rem;
    padding: 5px 12px;
  }
  .why-spotlight-card {
    padding: 24px 18px;
  }
  .spotlight-visual-row {
    flex-direction: column;
    text-align: center;
    gap: 14px;
  }
  .why-anna-frame, .why-logo-frame {
    margin: 0 auto;
  }
  .why-quote-card {
    font-size: 0.88rem;
    padding: 10px 12px;
  }
  .usp-card {
    padding: 24px 18px;
  }
  .usp-card-title {
    font-size: 1.12rem;
  }
  .usp-card-rule {
    font-size: 0.94rem;
  }
  .usp-impact-box {
    font-size: 0.84rem;
  }
  .usp-bottom-ribbon {
    font-size: 0.82rem;
    padding: 8px 10px;
  }
  .why-comparison-box {
    padding: 26px 16px;
  }
  .why-comparison-col {
    padding: 18px 14px;
  }
  .why-comparison-col h4 {
    font-size: 1.05rem;
  }
  .why-comparison-col ul li {
    font-size: 0.86rem;
    gap: 8px;
  }
}


/* Floating WhatsApp / Call Button Pulse */
.floating-contact-btn {
  animation: whatsappPulse 3s infinite;
}

/* Table Row Smooth Highlight */
.bank-table tbody tr {
  transition: background 0.2s ease, transform 0.2s ease;
}

.bank-table tbody tr:hover {
  background: var(--primary-subtle);
}

.bank-table tbody tr:hover .table-rate-pill {
  transform: scale(1.08);
}

.table-rate-pill {
  transition: transform 0.2s ease;
  display: inline-block;
}

/* Accessibility: respect user's reduced motion preferences */
@media (prefers-reduced-motion: reduce) {
  html.js-animated .reveal-on-scroll,
  html.js-animated .reveal-left,
  html.js-animated .reveal-right,
  html.js-animated .reveal-scale {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
  .anna-photo-frame,
  .floating-contact-btn,
  .patsanstha-tagline-card::before {
    animation: none !important;
  }
}