/* ====================================================================
   Consulting Cart (Ishna Fintech India Pvt Ltd) — Design System
   Navy + Orange · Fraunces × Plus Jakarta Sans · Mumbai finance portal
   ==================================================================== */
:root{
  --navy:#0A2540; --navy-deep:#06182C; --navy-soft:#13314F; --navy-line:#1C3B5C;
  --slate:#566677; --slate-2:#5C6875; --mist:#EBE7DD;
  /* brand orange (from logo) mapped onto the --gold tokens */
  --gold:#F4AD1C; --gold-light:#FFC95A; --gold-deep:#8A5A05; --gold-wash:rgba(244,173,28,.12);
  --paper:#FBF9F4; --paper-2:#F4EEE2; --paper-3:#EFE8D8; --white:#FFFFFF;
  --cream:#EDE7DA; --ink:#0A2540;
  --hair:rgba(10,37,64,.10); --hair-d:rgba(255,255,255,.10);
  --ok:#1E9E6A; --warn:#C0522B;
  --ease:cubic-bezier(.22,.61,.18,1); --spring:cubic-bezier(.34,.72,0,1);
  --maxw:1200px; --r:18px;
  --shadow:0 24px 60px -32px rgba(10,37,64,.38);
  --shadow-sm:0 10px 30px -18px rgba(10,37,64,.34);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{font-family:'Plus Jakarta Sans',system-ui,sans-serif;background:var(--paper);color:var(--ink);line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:400;line-height:1.08;letter-spacing:-.018em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
ul{list-style:none}
::selection{background:var(--gold);color:var(--navy)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.pad{padding:clamp(64px,9vw,120px) 0}
.pad-sm{padding:clamp(44px,6vw,72px) 0}
em{font-style:italic;color:var(--gold-deep)}
.on-dark em{color:var(--gold-light)}

/* grain */
.grain{position:fixed;inset:0;z-index:80;pointer-events:none;opacity:.035;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

/* ---------- eyebrow ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.22em;color:var(--gold-deep);border:1px solid var(--hair);background:var(--gold-wash);padding:7px 14px;border-radius:100px}
.eyebrow.on-dark{color:var(--gold-light);border-color:var(--hair-d)}
.eyebrow .dot{width:5px;height:5px;border-radius:50%;background:var(--gold)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:11px;font-family:inherit;font-weight:600;font-size:15px;border-radius:100px;padding:13px 14px 13px 24px;cursor:pointer;border:none;transition:transform .16s var(--ease),box-shadow .5s var(--ease),background .35s var(--ease);white-space:nowrap}
.btn .ic{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;flex:none;transition:transform .5s var(--spring),background .35s var(--ease)}
.btn .ic svg{width:15px;height:15px}
.btn:active{transform:scale(.97)}
.btn-primary{background:var(--gold);color:var(--navy);box-shadow:0 14px 34px -16px rgba(244,173,28,.8)}
.btn-primary .ic{background:rgba(10,37,64,.14)}
.btn-primary:hover{background:var(--gold-light)}
.btn-primary:hover .ic{transform:translate(3px,-1px) scale(1.06)}
.btn-dark{background:var(--navy);color:var(--white);padding:13px 24px}
.btn-dark:hover{background:var(--navy-soft)}
.btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--hair);padding:13px 22px}
.btn-ghost.on-dark{color:var(--cream);border-color:var(--hair-d)}
.btn-ghost:hover{background:rgba(10,37,64,.05)}
.btn-ghost.on-dark:hover{background:rgba(255,255,255,.06)}
.btn-wa{background:#1FA855;color:#fff;padding:13px 22px}
.btn-wa:hover{background:#178c45}

/* ---------- top utility bar ---------- */
.util{background:var(--navy-deep);color:rgba(237,231,218,.8);font-size:12.5px}
.util .wrap{display:flex;justify-content:space-between;align-items:center;height:38px;gap:18px}
.util a{display:inline-flex;align-items:center;gap:6px;transition:color .3s}
.util a:hover{color:var(--gold-light)}
.util .left{display:flex;gap:20px}
.util .right{display:flex;gap:16px;align-items:center}
.util svg{width:14px;height:14px;color:var(--gold-light)}
.util .badge{margin:0;padding:2px 9px;font-size:11px;letter-spacing:.02em}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:60;background:rgba(251,249,244,.86);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid var(--hair)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;height:70px}
.brand{display:flex;align-items:center;gap:11px}
.logo-img{height:44px;width:auto;display:block}
.foot-brand .logo-img{height:52px}
@media(max-width:680px){.logo-img{height:38px}.foot-brand .logo-img{height:46px}}
.brand .mark{width:38px;height:38px;flex:none}
.brand b{font-family:'Fraunces',serif;font-weight:500;font-size:20px;color:var(--navy);letter-spacing:.01em}
.brand b span{color:var(--gold-deep)}
nav.main{display:flex;align-items:center;gap:2px}
nav.main>ul{display:flex;align-items:center;gap:2px}
nav.main a.nl{display:inline-flex;align-items:center;gap:5px;padding:9px 13px;border-radius:10px;font-size:14.5px;font-weight:500;color:var(--navy);transition:background .3s,color .3s}
nav.main a.nl:hover,nav.main .has>a.nl{background:rgba(10,37,64,.05)}
nav.main a.nl svg{width:13px;height:13px;opacity:.6}
.has{position:relative}
.dropdown{position:absolute;top:calc(100% + 8px);left:0;min-width:248px;background:var(--white);border:1px solid var(--hair);border-radius:16px;box-shadow:var(--shadow);padding:8px;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .3s var(--ease),transform .3s var(--spring),visibility .3s}
.has:hover .dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:flex;align-items:center;gap:11px;padding:10px 12px;border-radius:11px;font-size:14px;color:var(--navy);transition:background .25s}
.dropdown a:hover{background:var(--paper-2)}
.dropdown a .di{width:32px;height:32px;border-radius:9px;background:var(--navy);display:grid;place-items:center;flex:none}
.dropdown a .di svg{width:16px;height:16px;color:var(--gold-light)}
.dropdown a small{display:block;color:var(--slate-2);font-size:11.5px;font-weight:400}
.hdr-cta{display:flex;align-items:center;gap:10px}
.hamb{display:none;width:44px;height:44px;border-radius:11px;border:1px solid var(--hair);background:var(--white);cursor:pointer;position:relative}
.hamb span{position:absolute;left:13px;width:18px;height:1.8px;background:var(--navy);border-radius:2px;transition:transform .45s var(--spring),opacity .3s}
.hamb span:nth-child(1){top:18px}.hamb span:nth-child(2){top:24px}
body.menu-open .hamb span:nth-child(1){transform:translateY(3px) rotate(45deg)}
body.menu-open .hamb span:nth-child(2){transform:translateY(-3px) rotate(-45deg)}

/* mobile menu */
.mobile{position:fixed;inset:0;z-index:55;background:rgba(6,24,44,.96);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);padding:90px 28px 40px;overflow-y:auto;opacity:0;visibility:hidden;transition:opacity .45s var(--ease),visibility .45s}
body.menu-open .mobile{opacity:1;visibility:visible}
.mobile h5{color:var(--gold-light);font-family:'Plus Jakarta Sans',sans-serif;font-size:11px;text-transform:uppercase;letter-spacing:.18em;margin:22px 0 8px}
.mobile a{display:block;color:var(--cream);font-size:18px;padding:11px 0;border-bottom:1px solid var(--hair-d)}
.mobile a:hover{color:var(--gold-light)}
.mobile .btn{margin-top:24px;width:100%;justify-content:center}

/* ---------- floating actions ---------- */
.fab{position:fixed;right:18px;bottom:18px;z-index:65;display:flex;flex-direction:column;gap:12px}
.fab a{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;box-shadow:0 12px 30px -10px rgba(0,0,0,.4);transition:transform .4s var(--spring)}
.fab a:hover{transform:translateY(-4px) scale(1.05)}
.fab .wa{background:#1FA855}.fab .call{background:var(--navy)}
.fab svg{width:26px;height:26px;color:#fff}
.mobile-bar{display:none}

/* ---------- section heads ---------- */
.sec-head{max-width:680px}
.sec-head.center{margin:0 auto;text-align:center}
.sec-head h2{font-size:clamp(1.9rem,3.7vw,3rem);margin:18px 0 14px}
.sec-head p{color:var(--slate);font-size:1.05rem;font-weight:300}

/* ---------- HERO ---------- */
.hero{position:relative;background:radial-gradient(900px 520px at 82% 0%,rgba(244,173,28,.16),transparent 58%),radial-gradient(700px 520px at 6% 100%,rgba(28,59,92,.6),transparent 60%),linear-gradient(165deg,var(--navy),var(--navy-deep));color:var(--cream);overflow:hidden;padding:clamp(56px,8vw,96px) 0 clamp(56px,8vw,90px)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(var(--hair-d) 1px,transparent 1px),linear-gradient(90deg,var(--hair-d) 1px,transparent 1px);background-size:58px 58px;mask-image:radial-gradient(680px 460px at 72% 36%,#000,transparent 76%);-webkit-mask-image:radial-gradient(680px 460px at 72% 36%,#000,transparent 76%);opacity:.5}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1{font-size:clamp(2.5rem,5.2vw,4.4rem);color:var(--white);margin:22px 0 18px}
.hero .lead{font-size:clamp(1.02rem,1.4vw,1.2rem);color:rgba(237,231,218,.82);max-width:540px;font-weight:300}
.hero-actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:30px}
.hero-chips{display:flex;flex-wrap:wrap;gap:18px;margin-top:30px}
.hero-chips div{display:flex;align-items:center;gap:8px;font-size:13.5px;color:rgba(237,231,218,.78)}
.hero-chips svg{width:16px;height:16px;color:var(--gold-light);flex:none}

/* hero embedded mini-calculator */
.hero-tool{background:rgba(255,255,255,.05);border:1px solid var(--hair-d);border-radius:26px;padding:7px;box-shadow:0 30px 70px -34px rgba(0,0,0,.65)}
.hero-tool-in{background:linear-gradient(160deg,rgba(255,255,255,.08),rgba(255,255,255,.02));border-radius:20px;padding:26px;box-shadow:inset 0 1px 1px rgba(255,255,255,.14)}
.hero-tool .tt{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.hero-tool .tt h4{color:#fff;font-size:1.15rem}
.mini-tabs{display:flex;gap:5px;background:rgba(0,0,0,.2);padding:4px;border-radius:100px}
.mini-tabs button{border:none;background:transparent;color:rgba(237,231,218,.65);font-family:inherit;font-size:12.5px;font-weight:600;padding:6px 13px;border-radius:100px;cursor:pointer;transition:background .35s var(--ease),color .35s var(--ease),border-color .35s var(--ease)}
.mini-tabs button.active{background:var(--gold);color:var(--navy)}
.hf{margin-bottom:14px}
.hf .lab{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px;font-size:12.5px;color:rgba(237,231,218,.72)}
.hf .lab b{font-family:'Fraunces',serif;font-weight:500;font-size:1.05rem;color:var(--gold-light)}
.hero-out{display:flex;align-items:center;justify-content:space-between;margin-top:18px;padding-top:18px;border-top:1px solid var(--hair-d)}
.hero-out .k{font-size:12.5px;color:rgba(237,231,218,.7)}
.hero-out .v{font-family:'Fraunces',serif;font-size:2rem;color:#fff}
.hero-out .v span{color:var(--gold-light)}

/* range inputs (shared) */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:100px;background:rgba(255,255,255,.16);outline:none}
input[type=range].light{background:var(--paper-3)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:19px;height:19px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid #fff;box-shadow:0 3px 9px -2px rgba(176,110,10,.8)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid #fff}

/* ---------- trust bar ---------- */
.trust{background:var(--navy-deep);border-top:1px solid var(--hair-d)}
.trust .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px;padding:22px 24px}
.trust .ti{display:flex;align-items:center;gap:11px;color:var(--cream)}
.trust .ti svg{width:26px;height:26px;color:var(--gold-light);flex:none}
.trust .ti b{display:block;font-family:'Fraunces',serif;font-size:1.2rem;color:#fff;line-height:1}
.trust .ti small{font-size:12px;color:rgba(237,231,218,.6)}

/* ---------- stats ---------- */
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.stat{text-align:center}
.stat .num{font-family:'Fraunces',serif;font-size:clamp(2rem,3.6vw,2.9rem);color:var(--navy);line-height:1}
.stat .num span{color:var(--gold-deep)}
.stat .lbl{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-top:9px}

/* ---------- cards / services ---------- */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:var(--white);border:1px solid var(--hair);border-radius:var(--r);padding:30px;transition:transform .5s var(--spring),box-shadow .5s var(--ease)}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.card .ic{width:52px;height:52px;border-radius:14px;background:linear-gradient(160deg,var(--navy),var(--navy-soft));display:grid;place-items:center;margin-bottom:20px}
.card .ic svg{width:25px;height:25px;color:var(--gold-light)}
.card h3{font-size:1.4rem;margin-bottom:9px}
.card p{color:var(--slate);font-size:.96rem}
.tags{display:flex;flex-wrap:wrap;gap:7px;margin:16px 0 18px}
.tags span{font-size:12px;color:var(--navy);background:var(--paper-2);border:1px solid var(--hair);padding:5px 11px;border-radius:100px}
.arrow{display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:600;color:var(--gold-deep)}
.arrow svg{width:15px;height:15px;transition:transform .4s var(--spring)}
.card:hover .arrow svg,a.card:hover .arrow svg{transform:translateX(4px)}

/* feature dark card */
.card-dark{background:linear-gradient(140deg,var(--navy),var(--navy-deep));border-color:var(--hair-d);color:var(--cream)}
.card-dark h3{color:#fff}.card-dark p{color:rgba(237,231,218,.76)}
.card-dark .tags span{color:var(--cream);background:rgba(255,255,255,.06);border-color:var(--hair-d)}
.card-dark .arrow{color:var(--gold-light)}
.badge{display:inline-block;font-size:10.5px;font-weight:700;letter-spacing:.14em;color:var(--navy);background:var(--gold-light);padding:5px 11px;border-radius:100px;margin-bottom:14px}

/* ---------- calculator suite grid ---------- */
.calc-cats{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin:28px 0 36px}
.calc-cats button{border:1px solid var(--hair);background:var(--white);color:var(--navy);font-family:inherit;font-size:13.5px;font-weight:600;padding:9px 18px;border-radius:100px;cursor:pointer;transition:background .35s var(--ease),color .35s var(--ease),border-color .35s var(--ease)}
.calc-cats button.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
a.tile{display:flex;align-items:flex-start;gap:13px;background:var(--white);border:1px solid var(--hair);border-radius:15px;padding:18px;transition:transform .45s var(--spring),box-shadow .45s var(--ease),border-color .3s}
a.tile:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm);border-color:rgba(244,173,28,.5)}
a.tile .ti{width:42px;height:42px;border-radius:12px;background:var(--paper-2);display:grid;place-items:center;flex:none;transition:background .3s}
a.tile:hover .ti{background:var(--gold-wash)}
a.tile .ti svg{width:21px;height:21px;color:var(--navy)}
a.tile .nm{font-weight:600;font-size:14.5px;color:var(--navy);line-height:1.25}
a.tile .ds{font-size:12px;color:var(--slate-2);margin-top:3px}

/* ---------- why / feature list ---------- */
.feat{display:flex;gap:14px;align-items:flex-start}
.feat .fi{width:44px;height:44px;border-radius:12px;background:var(--paper-2);display:grid;place-items:center;flex:none}
.feat .fi svg{width:22px;height:22px;color:var(--navy)}
.feat h3{font-size:1.18rem;margin-bottom:6px}
.feat p{color:var(--slate);font-size:.94rem}

/* ---------- process ---------- */
.process{background:linear-gradient(165deg,var(--navy-deep),var(--navy));color:var(--cream)}
.process .sec-head h2{color:#fff}.process .sec-head p{color:rgba(237,231,218,.72)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:48px}
.step{padding:28px 22px;border:1px solid var(--hair-d);border-radius:16px;background:rgba(255,255,255,.03)}
.step .num{font-family:'Fraunces',serif;font-size:2.3rem;color:var(--gold-light);line-height:1;margin-bottom:16px}
.step h3{color:#fff;font-size:1.15rem;margin-bottom:7px}
.step p{font-size:.9rem;color:rgba(237,231,218,.68)}

/* ---------- testimonials ---------- */
.testi-card{background:var(--white);border:1px solid var(--hair);border-radius:var(--r);padding:30px;display:flex;flex-direction:column;height:100%}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:16px}
.testi-card p{font-family:'Fraunces',serif;font-weight:300;font-style:italic;font-size:1.05rem;color:var(--navy);flex:1;line-height:1.45}
.who{display:flex;align-items:center;gap:12px;margin-top:22px}
.who .av{width:44px;height:44px;border-radius:50%;background:linear-gradient(160deg,var(--navy),var(--navy-soft));display:grid;place-items:center;color:var(--gold-light);font-family:'Fraunces',serif;font-weight:600}
.who .nm{font-size:14.5px;font-weight:600}.who .rl{font-size:12.5px;color:var(--slate)}

/* ---------- FAQ ---------- */
.faq-item{border-bottom:1px solid var(--hair)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:22px 0;background:none;border:none;cursor:pointer;text-align:left;font-family:'Fraunces',serif;font-size:1.12rem;color:var(--navy)}
.faq-q .pm{width:30px;height:30px;border-radius:50%;border:1px solid var(--hair);display:grid;place-items:center;flex:none;transition:background .4s}
.faq-q .pm svg{width:14px;height:14px;color:var(--gold-deep);transition:transform .5s var(--spring)}
.faq-item.open .pm{background:var(--navy)}
.faq-item.open .pm svg{color:var(--gold-light);transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .55s var(--spring)}
.faq-a p{color:var(--slate);padding-bottom:22px;font-size:.97rem;max-width:92%}

/* ---------- breadcrumb ---------- */
.crumb{font-size:13px;color:var(--slate-2);padding:18px 0}
.crumb a:hover{color:var(--gold-deep)}
.crumb span{margin:0 8px;opacity:.5}

/* ---------- page hero (interior) ---------- */
.phero{background:radial-gradient(700px 360px at 88% 0%,rgba(244,173,28,.14),transparent 60%),linear-gradient(165deg,var(--navy),var(--navy-deep));color:var(--cream);padding:14px 0 clamp(48px,6vw,72px);position:relative;overflow:hidden}
.phero .crumb{color:rgba(237,231,218,.6)}.phero .crumb a:hover{color:var(--gold-light)}
.phero h1{color:#fff;font-size:clamp(2.1rem,4.2vw,3.4rem);margin:14px 0 16px;max-width:760px}
.phero .lead{color:rgba(237,231,218,.82);max-width:620px;font-weight:300;font-size:1.08rem}
.phero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* ---------- CALCULATOR PAGE WIDGET ---------- */
.calc-layout{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:start}
.calc-panel{background:var(--white);border:1px solid var(--hair);border-radius:22px;padding:clamp(22px,3vw,34px);box-shadow:var(--shadow-sm)}
.calc-inputs .row{margin-bottom:22px}
.calc-inputs .row .lab{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.calc-inputs .row .lab label{font-size:14px;font-weight:600;color:var(--navy)}
.valbox{display:inline-flex;align-items:center;background:var(--paper-2);border:1px solid var(--hair);border-radius:10px;overflow:hidden}
.valbox .pfx{padding:7px 4px 7px 11px;color:var(--slate);font-size:13px}
.valbox input{width:96px;border:none;background:transparent;font-family:'Fraunces',serif;font-size:1.02rem;color:var(--gold-deep);padding:7px 11px 7px 2px;outline:none;text-align:right;-moz-appearance:textfield}
.valbox input::-webkit-outer-spin-button,.valbox input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.seg{display:flex;gap:5px;background:var(--paper-2);padding:4px;border-radius:12px;flex-wrap:wrap}
.seg button{flex:1;min-width:90px;border:none;background:transparent;font-family:inherit;font-size:13.5px;font-weight:600;color:var(--slate);padding:9px 12px;border-radius:8px;cursor:pointer;transition:background .3s var(--ease),color .3s var(--ease)}
.seg button.active{background:var(--navy);color:#fff}
.fld-select{width:100%;font-family:inherit;font-size:14.5px;color:var(--navy);background:var(--paper);border:1px solid var(--hair);border-radius:11px;padding:12px 14px;outline:none}

/* result side */
.calc-result{position:sticky;top:90px}
.result-card{background:linear-gradient(150deg,var(--navy),var(--navy-deep));border-radius:22px;padding:28px;color:var(--cream);box-shadow:var(--shadow)}
.result-card .rlab{font-size:13px;color:rgba(237,231,218,.7)}
.result-card .rbig{font-family:'Fraunces',serif;font-size:clamp(2.1rem,4vw,2.8rem);color:#fff;margin:4px 0 18px;line-height:1}
.result-card .rbig span{color:var(--gold-light)}
.donut-wrap{display:flex;align-items:center;gap:20px;padding:18px 0;border-top:1px solid var(--hair-d);border-bottom:1px solid var(--hair-d)}
.donut{width:120px;height:120px;flex:none}
.legend{display:grid;gap:9px;font-size:13px}
.legend .lg{display:flex;align-items:center;gap:9px}
.legend .sw{width:11px;height:11px;border-radius:3px;flex:none}
.legend .lt{color:rgba(237,231,218,.72)}
.legend .lv{margin-left:auto;color:#fff;font-weight:600}
.rrows{display:grid;gap:12px;margin-top:18px}
.rrows .rr{display:flex;justify-content:space-between;font-size:14px}
.rrows .rr .k{color:rgba(237,231,218,.72)}
.rrows .rr .v{color:#fff;font-weight:600}
.result-card .btn{width:100%;justify-content:center;margin-top:22px}
.calc-note{font-size:12px;color:var(--slate-2);margin-top:14px;text-align:center}

/* amortization table */
.amort{margin-top:26px;border:1px solid var(--hair);border-radius:16px;overflow:hidden}
.amort summary{padding:16px 20px;cursor:pointer;font-weight:600;color:var(--navy);font-size:14.5px;background:var(--paper-2);list-style:none;display:flex;justify-content:space-between;align-items:center}
.amort summary::-webkit-details-marker{display:none}
.amort summary::after{content:"+";font-size:1.3rem;color:var(--gold-deep)}
.amort[open] summary::after{content:"–"}
.amort .scroll{max-height:340px;overflow:auto}
table.amt{width:100%;border-collapse:collapse;font-size:13px}
table.amt th,table.amt td{padding:10px 14px;text-align:right;border-bottom:1px solid var(--hair)}
table.amt th:first-child,table.amt td:first-child{text-align:left}
table.amt thead th{position:sticky;top:0;background:var(--white);color:var(--slate);font-weight:600;font-size:12px;text-transform:uppercase;letter-spacing:.04em}
table.amt tbody tr:hover{background:var(--paper)}

/* prose / SEO content */
.prose{max-width:760px}
.prose h2{font-size:1.7rem;margin:36px 0 14px}
.prose h3{font-size:1.25rem;margin:26px 0 10px}
.prose p{color:var(--slate);margin-bottom:14px}
.prose ul.bul{margin:0 0 16px;padding-left:0}
.prose ul.bul li{position:relative;padding-left:26px;margin-bottom:9px;color:var(--slate)}
.prose ul.bul li::before{content:"";position:absolute;left:4px;top:9px;width:7px;height:7px;border-radius:2px;background:var(--gold);transform:rotate(45deg)}
.prose strong{color:var(--navy)}
.formula{background:var(--navy);color:var(--cream);border-radius:14px;padding:18px 20px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13.5px;overflow-x:auto;margin:8px 0 18px}
.formula b{color:var(--gold-light)}

/* related calculators strip */
.rel-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px}

/* checklist */
.checklist{display:grid;gap:12px}
.checklist .ci{display:flex;gap:12px;align-items:flex-start;background:var(--white);border:1px solid var(--hair);border-radius:13px;padding:14px 16px}
.checklist .ci svg{width:20px;height:20px;color:var(--ok);flex:none;margin-top:2px}
.checklist .ci b{display:block;font-size:14.5px;color:var(--navy)}
.checklist .ci small{color:var(--slate);font-size:12.5px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.ci-row{display:flex;align-items:center;gap:15px;padding:15px 0;border-bottom:1px solid var(--hair-d)}
.ci-row .ic{width:46px;height:46px;border-radius:13px;background:rgba(244,173,28,.13);display:grid;place-items:center;flex:none}
.ci-row .ic svg{width:21px;height:21px;color:var(--gold-light)}
.ci-row .k{font-size:12px;color:rgba(237,231,218,.55);text-transform:uppercase;letter-spacing:.1em}
.ci-row .v{font-size:15px;color:#fff;font-weight:500}
.form-card{background:var(--white);border-radius:20px;padding:clamp(24px,3vw,34px);box-shadow:var(--shadow)}
.form-card h3{color:var(--navy);font-size:1.4rem;margin-bottom:5px}
.form-card .sub{color:var(--slate);font-size:.92rem;margin-bottom:22px}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.f-group{margin-bottom:14px}
.f-group label{display:block;font-size:12.5px;font-weight:600;color:var(--navy);margin-bottom:6px}
.f-group input,.f-group select,.f-group textarea{width:100%;font-family:inherit;font-size:14.5px;color:var(--navy);background:var(--paper);border:1px solid var(--hair);border-radius:11px;padding:12px 14px;outline:none;transition:border-color .3s,box-shadow .3s}
.f-group input:focus,.f-group select:focus,.f-group textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-wash)}
.f-group textarea{resize:vertical;min-height:90px}
.form-card .btn{width:100%;justify-content:center;margin-top:6px}

/* CTA band */
.cta{background:linear-gradient(150deg,var(--navy),var(--navy-deep));color:var(--cream);position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;inset:0;background:radial-gradient(620px 360px at 86% 16%,rgba(244,173,28,.18),transparent 62%)}
.cta .wrap{position:relative;z-index:2;text-align:center}
.cta h1,.cta h2{color:#fff;font-size:clamp(1.9rem,3.6vw,2.9rem);margin-bottom:14px}
.cta p{color:rgba(237,231,218,.78);max-width:560px;margin:0 auto 28px;font-weight:300}
.cta .row{display:flex;gap:13px;justify-content:center;flex-wrap:wrap}

/* ---------- footer ---------- */
footer.site{background:var(--navy-deep);color:var(--cream);padding:64px 0 28px;border-top:1px solid var(--hair-d)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
.foot-brand p{font-size:13.5px;color:rgba(237,231,218,.6);max-width:300px;margin-top:16px}
.foot-reg{font-size:12px;color:rgba(237,231,218,.45);margin-top:14px;line-height:1.7}
.foot-social{display:flex;gap:9px;margin-top:18px}
.foot-social a{width:37px;height:37px;border-radius:50%;border:1px solid var(--hair-d);display:grid;place-items:center;transition:background .3s,transform .35s var(--spring)}
.foot-social a:hover{background:var(--gold-wash);transform:translateY(-3px)}
.foot-social svg{width:16px;height:16px;color:var(--cream)}
.foot-col h4{font-family:'Plus Jakarta Sans',sans-serif;font-size:11.5px;text-transform:uppercase;letter-spacing:.14em;color:var(--gold-light);margin-bottom:16px;font-weight:700}
.foot-col a,.foot-col p{display:block;font-size:13.5px;color:rgba(237,231,218,.65);padding:5px 0;transition:color .3s}
.foot-col a:hover{color:#fff}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:48px;padding-top:24px;border-top:1px solid var(--hair-d);font-size:12.5px;color:rgba(237,231,218,.5)}
.foot-bottom a{color:rgba(237,231,218,.65)}

/* reveal */
html.js .reveal{opacity:0;transform:translateY(28px);filter:blur(5px);transition:opacity .85s var(--ease),transform .85s var(--spring),filter .85s var(--ease)}
html.js .reveal.in{opacity:1;transform:none;filter:none}
.reveal.d1{transition-delay:.07s}.reveal.d2{transition-delay:.14s}.reveal.d3{transition-delay:.21s}.reveal.d4{transition-delay:.28s}
@media(prefers-reduced-motion:reduce){html.js .reveal,html.js .reveal.in{opacity:1;transform:none;filter:none;transition:none}*{scroll-behavior:auto}}

/* ---------- responsive ---------- */
@media(max-width:1000px){
  nav.main,.hdr-cta .btn{display:none}
  .hamb{display:block}
  .hero-grid,.calc-layout,.contact-grid{grid-template-columns:1fr}
  .calc-result{position:static}
  .grid-4,.calc-tiles,.rel-grid,.steps{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(2,1fr);gap:30px 16px}
}
@media(max-width:680px){
  .util .left a:not(:first-child){display:none}
  .grid-2,.grid-3,.grid-4,.calc-tiles,.rel-grid,.steps,.foot-grid,.f-row{grid-template-columns:1fr}
  .fab{display:none}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:65;border-top:1px solid var(--hair)}
  .mobile-bar a{display:flex;align-items:center;justify-content:center;gap:8px;padding:14px;font-weight:600;font-size:14.5px;color:#fff}
  .mobile-bar .call{background:var(--navy)}.mobile-bar .wa{background:#1FA855}
  .mobile-bar svg{width:18px;height:18px}
  body{padding-bottom:52px}
  .foot-bottom{flex-direction:column;text-align:center}
  .donut-wrap{flex-direction:column;text-align:center}
}

/* ====================================================================
   POLISH LAYER — impeccable · emil-design-eng · taste-skill
   Keyboard a11y, reduced-motion, touch targets, micro-interactions.
   (Appended last so it overrides where intended.)
   ==================================================================== */

/* --- Keyboard focus states (was the biggest gap) --- */
:focus{outline:none}
:focus-visible{outline:2px solid var(--navy);outline-offset:2px;border-radius:4px}
/* light-coloured ring on dark surfaces so it's always visible */
.util :focus-visible,.hero :focus-visible,.trust :focus-visible,.process :focus-visible,
.cta :focus-visible,.contact :focus-visible,.phero :focus-visible,.result-card :focus-visible,
footer.site :focus-visible,.mobile :focus-visible,.fab :focus-visible{outline-color:var(--gold-light)}
.btn:focus-visible{outline-offset:3px}

/* --- Skip link (keyboard users land on content, not the nav) --- */
.skip{position:fixed;left:12px;top:-60px;z-index:100;background:var(--navy);color:#fff;
  padding:11px 18px;border-radius:0 0 12px 12px;font-weight:600;font-size:14px;
  transition:top .25s var(--ease)}
.skip:focus{top:0}

/* --- Micro-interaction: active/press feedback (emil) --- */
a.tile:active{transform:translateY(-1px) scale(.992)}
.card:active{transform:translateY(-2px)}
nav.main a.nl:active{transform:scale(.97)}
.fab a:active{transform:translateY(-1px) scale(.98)}

/* --- Touch targets ≥44px (impeccable/taste) --- */
.dropdown a{min-height:44px}
.mobile a{display:flex;align-items:center;min-height:46px}
@media(max-width:680px){.util a,nav.main a.nl,.foot-col a,.foot-bottom a{min-height:40px;display:inline-flex;align-items:center}}

/* --- Readable, deliberate prose links --- */
.prose a,.faq-a a,.sec-head p a{color:var(--gold-deep);font-weight:600;
  text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px;
  text-decoration-color:rgba(138,90,5,.4);transition:text-decoration-color .3s var(--ease)}
.prose a:hover,.faq-a a:hover,.sec-head p a:hover{text-decoration-color:var(--gold-deep)}

/* --- Prevent logo layout shift, crisper rendering --- */
.logo-img{image-rendering:-webkit-optimize-contrast}

/* --- Respect reduced motion globally (overrides all animation) --- */
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;
    transition-duration:.001ms!important;scroll-behavior:auto!important}
  html.js .reveal,html.js .reveal.in{opacity:1!important;transform:none!important;filter:none!important}
}

/* Fix: leading icons placed directly in a button had no size constraint
   (only .btn .ic svg was sized) — was rendering huge phone/WhatsApp glyphs. */
.btn>svg{width:18px;height:18px;flex:none}

/* ====================================================================
   MOBILE FINALISE — responsive grids that were inline, + tighter top bar
   ==================================================================== */
.svc-top{display:grid;grid-template-columns:1.4fr .9fr;gap:48px;align-items:start}
.doc-grid{grid-template-columns:repeat(2,1fr);margin-top:24px}
@media(max-width:880px){
  .svc-top{grid-template-columns:1fr;gap:30px}
}
@media(max-width:680px){
  .doc-grid{grid-template-columns:1fr}
  .util .right span:last-child{display:none}      /* hide long 'Trusted by…' text, keep ★4.9 */
  .util .wrap{gap:10px}
  .phero h1{font-size:clamp(1.8rem,7vw,2.3rem)}
  .result-card{padding:22px}
}
/* never let a stray wide element cause horizontal scroll on phones */
@media(max-width:680px){ html,body{max-width:100%;overflow-x:hidden} }

/* ---------- HERO BANNER (Mumbai skyline silhouette) ---------- */
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;
  height:clamp(80px,13vw,170px);
  background:url(/assets/skyline.svg) center bottom / cover no-repeat;
  pointer-events:none;z-index:1}
@media(max-width:680px){ .hero::after{height:70px;opacity:.85} }

/* Fix: tile name + sublabel must stack (were running together inline) */
a.tile .nm,a.tile .ds{display:block}
a.tile>span:last-child{min-width:0}