/* FinLaabh - simple starter CSS */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0
}

/* Use Poppins for a professional corporate look. `Poppins` is included via link in each page head. */
/* Page background: light grey */
body {
    font-family: 'Poppins', system-ui, -apple-system, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    line-height: 1.6;
    color: #111;
    background: #f5f5f5
}

.container {
    max-width: 1000px;
    margin: 0 auto;
    padding: 1rem
}

.site-header {
    background: #0b6df0;
    color: #fff;
    padding: .75rem 0
}

.site-header .container {
    display: flex;
    align-items: center;
    justify-content: space-between
}

.site-header h1 {
    font-size: 1.2rem
}

.nav {
    list-style: none;
    display: flex;
    gap: 1rem
}

.nav a {
    color: #fff;
    text-decoration: none
}

.hero {
    background: #fff;
    padding: 2rem;
    border-radius: 8px;
    margin-top: 2rem;
    box-shadow: 0 6px 18px rgba(13, 38, 76, 0.06)
}

.hero h2 {
    font-size: 1.6rem;
    margin-bottom: .5rem
}

.btn {
    display: inline-block;
    margin-top: 1rem;
    padding: .6rem 1rem;
    background: #0b6df0;
    color: #fff;
    border-radius: 6px;
    text-decoration: none
}

.features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1rem;
    margin-top: 1.25rem
}

.card {
    background: #fff;
    padding: 1rem;
    border-radius: 6px;
    box-shadow: 0 6px 14px rgba(13, 38, 76, 0.04)
}

.site-footer {
    margin-top: 2rem;
    padding: 1rem 0;
    text-align: center;
    color: #6b7280
}

@media (max-width:600px) {
    .site-header .container {
        flex-direction: column;
        gap: .75rem
    }

    .nav {
        flex-wrap: wrap;
        justify-content: center
    }
}

/* Header (top contact + main header) */
.top-contact {
    background: #0b6df0;
    color: #fff;
    font-size: .95rem
}

.top-contact .top-contact-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: .4rem 0;
    gap: .5rem
}

.top-contact .contact-left {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap
}

.top-contact .contact-item {
    opacity: .95
}

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

.top-contact .contact-right {
    display: flex;
    gap: .5rem;
    align-items: center
}

.top-contact .login-link {
    color: #fff;
    text-decoration: none;
    padding: .15rem .4rem;
    border-radius: 4px;
    border: 1px solid rgba(255, 255, 255, 0.12)
}

.main-header {
    background: #ffffff;
    padding: .75rem 0;
    border-bottom: 4px solid #0b6df0
}

.main-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem
}

.logo a {
    color: #0b6df0;
    font-weight: 700;
    font-size: 1.25rem;
    text-decoration: none
}

.main-nav ul {
    list-style: none;
    display: flex;
    gap: 1rem;
    align-items: center
}

.main-nav a {
    color: #0b2338;
    text-decoration: none;
    padding: .45rem .6rem;
    border-radius: 4px
}

.main-nav a:hover {
    background: rgba(11, 109, 240, 0.08);
    color: #0b6df0
}

@media (max-width:800px) {
    .top-contact .top-contact-inner {
        flex-direction: column;
        align-items: flex-start
    }

    .main-header-inner {
        flex-direction: column;
        align-items: flex-start
    }

    .main-nav ul {
        flex-direction: column;
        width: 100%
    }

    .main-nav a {
        display: block;
        width: 100%
    }
}

/* HERO */
.hero-hero {
    background: linear-gradient(135deg, #0b6df0 0%, #0a58c0 100%);
    color: #fff;
    padding: 3rem 0;
    position: relative
}

.hero-inner {
    display: flex;
    gap: 2rem;
    align-items: center
}

.hero-left {
    flex: 1
}

.hero-right {
    flex: 1;
    display: flex;
    justify-content: center
}

.hero-title {
    font-size: 1.9rem;
    line-height: 1.15;
    margin-bottom: .75rem
}

.hero-sub {
    opacity: .95;
    margin-bottom: 1.25rem
}

.hero-ctas .btn {
    margin-right: .75rem
}

.btn-white {
    background: #ffffff;
    color: #0b6df0;
    border-radius: 8px;
    padding: .7rem 1rem;
    text-decoration: none;
    font-weight: 600
}

.btn-outline {
    background: transparent;
    border: 2px solid rgba(255, 255, 255, 0.18);
    color: #fff;
    border-radius: 8px;
    padding: .6rem .9rem;
    text-decoration: none
}

.hero-illustration {
    width: 100%;
    max-width: 420px;
    height: auto;
    border-radius: 10px;
    box-shadow: 0 12px 30px rgba(11, 109, 240, 0.14)
}

.wave-divider {
    position: relative;
    bottom: -1px
}

/* Hide homepage wave divider to avoid white artifact beside the form */
.homepage-hero .wave-divider {
    display: none;
}

/* SERVICES */
.section {
    padding: 3rem 0;
    background: #fff
}

.section-title {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: #0b2338
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1rem
}

.service-card {
    background: #fff;
    padding: 1.25rem;
    border-radius: 10px;
    box-shadow: 0 10px 24px rgba(13, 38, 76, 0.06);
    display: flex;
    flex-direction: column;
    gap: .5rem
}

.service-card .icon {
    font-size: 1.8rem
}

.service-card a {
    margin-top: auto;
    color: #0b6df0;
    text-decoration: none;
    font-weight: 600
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 18px 36px rgba(13, 38, 76, 0.08);
    transition: all .22s ease
}

/* Redesigned services section styles */
.services-section {
    background: #ffffff
}

.services-header h2 {
    letter-spacing: -0.2px
}

.service-card {
    padding: 1.5rem;
    border-radius: 12px
}

/* Ensure service cards have a solid white background and subtle border for contrast */
.services-section .service-card {
    background: #ffffff !important;
    border: 1px solid rgba(11, 34, 64, 0.06);
    box-shadow: 0 12px 30px rgba(13, 38, 76, 0.06)
}

.service-card .icon-circle {
    width: 56px;
    height: 56px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #0b6df0, #0a58c0);
    color: #fff;
    font-size: 1.5rem
}

.service-card h3 {
    margin-top: .5rem
}

.service-cta {
    margin-top: auto;
    color: #0b6df0;
    text-decoration: none;
    font-weight: 700;
    margin-top: 1rem;
    display: inline-block
}

.service-card p {
    color: #475569
}

@media (max-width:900px) {
    .services-grid {
        grid-template-columns: repeat(1, 1fr)
    }
}

/* Ensure primary buttons in services section are the brand blue */
.services-section .bg-primary {
    background: #0b6df0 !important;
    color: #fff !important;
    border: none
}

.services-section .bg-primary:hover {
    filter: brightness(.95)
}

/* ABOUT */
.about-inner {
    display: flex;
    gap: 2rem;
    align-items: center
}

.about-left img {
    /* (file continues) */
}

/* Logo sizing and responsive fit */
/* Logo sizing and responsive fit */
.logo-img{height:72px;width:auto;display:block;object-fit:contain;margin-top:8px;margin-bottom:8px;}
@media (max-width:800px){.logo-img{height:56px;margin-top:6px;margin-bottom:6px;}}

/* If header uses flex, ensure vertical alignment */
/* If header uses flex, ensure vertical alignment */
.main-header-inner .logo, header .logo, .brand .logo{display:flex;align-items:center;min-height:72px;}
    width: 100%;
    max-width: 420px;
    border-radius: 8px;
    object-fit: cover
}

.about-right {
    flex: 1
}

.about-list {
    margin: 1rem 0 1.25rem 1rem
}

/* WHY */
.why {
    background: #fff;
    padding: 2rem 0
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 1rem
}

.why-card {
    background: transparent;
    padding: 1rem;
    text-align: center;
    border-radius: 8px
}

.why-card .icon {
    font-size: 1.6rem;
    margin-bottom: .5rem
}

/* PROCESS */
.process-steps {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-top: 1rem
}

.process-steps .step {
    background: #fff;
    padding: 1rem;
    border-radius: 8px;
    box-shadow: 0 8px 20px rgba(13, 38, 76, 0.05);
    flex: 1;
    min-width: 140px;
    text-align: center
}

.process-steps .num {
    font-weight: 700;
    display: inline-block;
    background: #0b6df0;
    color: #fff;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    line-height: 36px;
    margin-bottom: .5rem
}

/* TESTIMONIALS */
.testimonials-slider {
    display: flex;
    gap: 1rem;
    overflow-x: auto;
    padding: 1rem 0
}

.testimonial-card {
    min-width: 260px;
    background: #fff;
    padding: 1rem;
    border-radius: 8px;
    box-shadow: 0 10px 24px rgba(13, 38, 76, 0.06)
}

.testimonial-card .quote {
    font-style: italic
}

/* CIBIL CTA */
.cibil-cta {
    background: #0b6df0;
    color: #fff;
    padding: 1.25rem;
    border-radius: 8px;
    margin: 2rem 0;
    text-align: center
}

/* CONTACT */
.contact-inner {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 2rem
}

.contact-form {
    background: #fff;
    padding: 1.25rem;
    border-radius: 8px;
    box-shadow: 0 10px 24px rgba(13, 38, 76, 0.06)
}

.contact-form .form-row {
    margin-bottom: .75rem
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: .6rem;
    border-radius: 6px;
    border: 1px solid #e6eefc
}

.map-placeholder {
    background: #e9f1ff;
    height: 200px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #0b6df0
}

/* FOOTER */
.footer-full {
    background: #0b2338;
    color: #fff;
    padding: 2rem 0;
    margin-top: 2rem
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 1rem
}

.footer-links {
    list-style: none;
    padding-left: 0
}

.footer-links a {
    color: #cfe6ff;
    text-decoration: none
}

/* WhatsApp & sticky */
.whatsapp-fab {
    position: fixed;
    right: 18px;
    bottom: 18px;
    background: #25D366;
    color: #fff;
    padding: 12px;
    border-radius: 50%;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none
}

.sticky-book {
    position: fixed;
    left: 0;
    top: 40%;
    transform: translateY(-50%);
    background: #0b6df0;
    color: #fff;
    padding: 12px 14px;
    border-radius: 0 6px 6px 0;
    text-decoration: none;
    font-weight: 700;
    box-shadow: 0 8px 20px rgba(11, 109, 240, 0.12)
}

/* Responsive */
@media (max-width:900px) {
    .hero-inner {
        flex-direction: column
    }

    .about-inner {
        flex-direction: column
    }

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

/* Enquiry Form - professional, responsive */
.enquiry-card {
    max-width: 920px;
    margin: 0 auto;
    background: #ffffff;
    border-radius: 12px;
    box-shadow: 0 18px 40px rgba(31, 45, 61, 0.08);
    padding: 2rem
}

.enquiry-header {
    display: flex;
    flex-direction: column;
    gap: .25rem;
    margin-bottom: 1rem
}

.enquiry-header h3 {
    font-size: 1.5rem;
    color: var(--text-dark);
    margin-bottom: 0
}

.enquiry-header p {
    color: #475569
}

.enquiry-form {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
    margin-top: 1rem
}

.enquiry-row {
    display: flex;
    flex-direction: column;
    gap: .35rem
}

.enquiry-row label {
    font-size: .9rem;
    color: var(--text-dark);
    font-weight: 600
}

.enquiry-row input[type="text"],
.enquiry-row input[type="tel"],
.enquiry-row input[type="email"],
.enquiry-row select,
.enquiry-row textarea,
.enquiry-row input[type="file"] {
    width: 100%;
    padding: .65rem;
    border-radius: 8px;
    border: 1px solid #e6eefc;
    background: #fff;
    color: var(--text-dark);
    font-size: .95rem;
    transition: box-shadow .15s ease, border-color .12s ease
}

.enquiry-row textarea {
    min-height: 120px;
    resize: vertical
}

.enquiry-row input:focus,
.enquiry-row textarea:focus,
.enquiry-row select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 6px 18px rgba(11, 94, 215, 0.12)
}

.enquiry-full {
    grid-column: 1 / -1
}

.enquiry-actions {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 1rem
}

.enquiry-terms {
    display: flex;
    align-items: center;
    gap: .6rem;
    color: #475569
}

.enquiry-terms input[type="checkbox"] {
    width: 18px;
    height: 18px
}

.btn-enquiry {
    background: var(--primary);
    color: var(--white);
    padding: .75rem 1.1rem;
    border-radius: 10px;
    border: none;
    font-weight: 700;
    cursor: pointer;
    box-shadow: 0 10px 24px rgba(11, 94, 215, 0.12);
    transition: transform .12s ease, filter .12s ease
}

.btn-enquiry:hover {
    transform: translateY(-3px);
    filter: brightness(.98)
}

.enquiry-note {
    font-size: .85rem;
    color: #64748b
}

@media (max-width:780px) {
    .enquiry-form {
        grid-template-columns: 1fr
    }

    .enquiry-card {
        padding: 1rem
    }

    .enquiry-actions {
        flex-direction: column;
        align-items: flex-start
    }
}

/* Homepage hero (new) */
.homepage-hero {
    position: relative;
    background-image: url('../img/hero.png');
    background-size: cover;
    background-position: center;
    overflow: hidden;
    min-height: 520px;
    display: flex;
    align-items: center;
    color: #fff
}

.homepage-hero .hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(3, 82, 161, 0.78), rgba(10, 34, 87, 0.7));
    mix-blend-mode: multiply
}

.homepage-hero .hero-inner {
    position: relative;
    display: flex;
    gap: 2.5rem;
    padding: 4rem 0;
    align-items: center
}

.homepage-hero .hero-left {
    flex: 1;
    max-width: 60%
}

.homepage-hero .hero-right {
    flex: 1;
    display: flex;
    justify-content: flex-end
}

.hero-title {
    font-size: 2.25rem;
    line-height: 1.05;
    font-weight: 700;
    margin-bottom: .75rem
}

.hero-sub {
    font-size: 1.05rem;
    opacity: .95;
    margin-bottom: 1.25rem
}

.hero-ctas {
    display: flex;
    gap: 0.75rem;
    flex-wrap: wrap
}

.badge {
    display: inline-block;
    background: rgba(255, 255, 255, 0.08);
    padding: .35rem .6rem;
    border-radius: 999px;
    margin-right: .5rem;
    color: #fff;
    font-weight: 600;
    font-size: .9rem
}

.trust-badges {
    margin-top: 1.25rem;
    display: flex;
    gap: .5rem;
    flex-wrap: wrap
}

.hero-stats-card {
    background: #ffffff;
    padding: 1rem;
    border-radius: 12px;
    border: none;
    box-shadow: 0 20px 48px rgba(2, 48, 103, 0.14);
    color: #0b2338;
    width: 320px
}

.hero-stats-card .stat-row {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    margin-bottom: 1rem
}

.stat-num {
    font-size: 1.25rem;
    font-weight: 800
}

.stat-label {
    font-size: .85rem;
    color: #475569
}

.hero-quick-form {
    display: flex;
    flex-direction: column;
    gap: .6rem
}

.hero-quick-form input,
.hero-quick-form select {
    padding: .6rem;
    border-radius: 8px;
    border: 1px solid #e6eefc
}

.hero-quick-form .btn-enquiry {
    background: #0b6df0;
    color: #fff;
    border: none;
    padding: .6rem;
    border-radius: 8px;
    font-weight: 700
}

@media (max-width:900px) {
    .homepage-hero {
        min-height: 520px;
        padding: 2rem 0
    }

    .homepage-hero .hero-inner {
        flex-direction: column
    }

    .homepage-hero .hero-left {
        max-width: 100%
    }

    .hero-stats-card {
        width: 100%;
    }
}

/* Service hero (financial consultant) */
.service-hero {
    position: relative;
    background-image: linear-gradient(90deg, rgba(11, 94, 215, 0.92), rgba(8, 75, 176, 0.88));
    color: #fff
}

.service-hero .hero-overlay {
    position: absolute;
    inset: 0;
    opacity: 0.05
}

.service-hero .hero-inner {
    position: relative;
    display: flex;
    align-items: center;
    gap: 2.5rem;
    padding: 3rem 0
}

.service-hero .hero-left {
    flex: 1
}

.service-hero .hero-right {
    flex: 0 0 360px;
    display: flex;
    justify-content: flex-end
}

.service-hero .hero-title {
    font-size: 2rem;
    line-height: 1.05;
    font-weight: 700;
    margin-bottom: .65rem;
    color: #fff
}

.service-hero .hero-sub {
    font-size: 1rem;
    opacity: .95;
    margin-bottom: 1rem;
    color: #eef4ff
}

.service-hero .hero-ctas .btn-white {
    background: #ffffff;
    color: #0b6df0
}

.service-hero .hero-ctas .btn-outline {
    background: transparent;
    border: 2px solid rgba(255, 255, 255, 0.18);
    color: #fff
}

@media (max-width:900px) {
    .service-hero .hero-inner {
        flex-direction: column;
        padding: 2rem 0
    }

    .service-hero .hero-right {
        width: 100%;
        justify-content: center
    }
}

/* Consulting services section tweaks */
.consulting-section {
    padding-bottom: 3rem
}

.consulting-intro .view-all-btn {
    margin-top: 0
}

.consulting-section {
    padding-bottom: 3rem;
    margin-top: 3.5rem
}

.consulting-features .service-card {
    background: #fff;
    padding: 1.25rem;
    border-radius: 12px;
    box-shadow: 0 12px 30px rgba(13, 38, 76, 0.06);
    display: flex;
    flex-direction: column
}

.consulting-features .icon-circle {
    width: 56px;
    height: 56px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #eef6ff, #e6f4ff);
    color: #0b6df0;
    font-size: 1.25rem
}

.consulting-features .service-cta {
    margin-top: auto;
    color: #0b6df0;
    text-decoration: none;
    font-weight: 700
}

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

    .consulting-features .service-card {
        min-height: auto
    }
}

/* Offerings cards (Key Services) */
.offerings-grid {
    gap: 1rem
}

.offer-card {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    background: #fff;
    padding: 1.25rem;
    border-radius: 12px;
    border: 1px solid rgba(15, 23, 42, 0.04);
    transition: transform .14s ease, box-shadow .14s ease
}

.offer-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 18px 44px rgba(2, 48, 103, 0.08);
    border-color: rgba(11, 109, 240, 0.08)
}

.offer-icon {
    width: 72px;
    height: 72px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(180deg, #0b6df0, #0a58c0);
    color: #fff;
    font-size: 1.35rem;
    flex-shrink: 0
}

.offer-body {
    flex: 1;
    display: flex;
    flex-direction: column
}

.offer-title {
    font-size: 1.05rem;
    font-weight: 700;
    color: #0b2338;
    margin-bottom: .35rem
}

.offer-desc {
    color: #475569;
    font-size: .96rem
}

@media(max-width:900px) {
    .offer-card {
        flex-direction: row
    }

    .offer-icon {
        width: 56px;
        height: 56px
    }
}

/* Offerings section background: brand blue with white cards for contrast */
.offerings-section {
    background: linear-gradient(90deg, #0b6df0, #084bb0);
    padding: 3rem 0
}

.offerings-section h3 {
    color: #ffffff
}

.offerings-section .offerings-grid {
    padding-top: 0
}

.offerings-section .offer-card {
    background: #ffffff;
    border: 1px solid rgba(15, 23, 42, 0.06)
}

.offerings-section .offer-title {
    color: #0b2338
}

.offerings-section .offer-desc {
    color: #475569
}

/* Who We Are (homepage) */
.who-section .who-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    align-items: center
}

.who-image img {
    width: 100%;
    border-radius: 12px;
    object-fit: cover;
    box-shadow: 0 18px 40px rgba(2, 48, 103, 0.08)
}

.who-title {
    font-size: 1.9rem;
    margin-bottom: .6rem;
    color: #0b2338
}

.who-lead {
    color: #475569;
    margin-bottom: 1rem
}

.who-attributes {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin: 1rem 0
}

.who-attributes .attr {
    background: linear-gradient(180deg, #fbfdff, #f6fbff);
    padding: .8rem;
    border-radius: 10px;
    border: 1px solid rgba(11, 34, 64, 0.04)
}

.who-attributes .attr strong {
    display: block;
    color: #0b2338;
    margin-bottom: .25rem
}

.who-attributes .attr span {
    display: block;
    color: #6b7280;
    font-size: .95rem
}

.who-stats {
    display: flex;
    gap: 1rem;
    margin: 1.25rem 0
}

.who-stats .stat {
    background: #fff;
    padding: .75rem 1rem;
    border-radius: 10px;
    box-shadow: 0 10px 30px rgba(13, 38, 76, 0.05);
    text-align: center
}

.stat-num {
    font-weight: 800;
    font-size: 1.15rem;
    color: #0b2338
}

.stat-label {
    font-size: .85rem;
    color: #6b7280
}

.who-text {
    color: #475569;
    margin-top: 1rem
}

@media (max-width:900px) {
    .who-section .who-grid {
        grid-template-columns: 1fr;
        gap: 1rem
    }

    .who-attributes {
        grid-template-columns: 1fr
    }

    .who-stats {
        flex-direction: row;
        flex-wrap: wrap
    }

    .who-stats .stat {
        flex: 1;
        min-width: 120px
    }
}

/* Why Choose section (blue background) */
.why-section {
    position: relative
}

.why-bg {
    background: linear-gradient(180deg, #0b6df0 0%, #084bb0 100%);
}

.why-bg .why-card {
    background: #ffffff;
    border-radius: 12px;
    padding: 1.25rem;
    box-shadow: 0 18px 40px rgba(2, 48, 103, 0.12);
    color: #0b2338;
    text-align: left
}

.why-card .why-icon {
    width: 56px;
    height: 56px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #0b6df0, #0a58c0);
    color: #fff;
    font-size: 1.4rem;
    margin-bottom: .6rem
}

.why-title {
    font-weight: 700;
    margin-bottom: .35rem
}

.why-desc {
    color: #475569;
    font-size: .95rem
}

.why-bg .why-cta {
    background: #fff;
    color: #0b6df0;
    padding: .7rem 1.2rem;
    border-radius: 10px;
    font-weight: 700;
    display: inline-block
}

.why-bg .why-cta:hover {
    filter: brightness(.98)
}

@media (max-width:900px) {
    .why-bg .why-card {
        text-align: left
    }
}

/* Redesigned Why Choose section */
.why-choose-section {
    background: #F5F9FF
}

.why-choose-section .why-card {
    background: #ffffff;
    border-radius: 12px;
    padding: 1.25rem;
    box-shadow: 0 12px 30px rgba(13, 38, 76, 0.06);
    text-align: left
}

.why-choose-section .why-icon {
    width: 56px;
    height: 56px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #0b6df0, #0a58c0);
    color: #fff;
    font-size: 1.25rem
}

.why-choose-section .why-card h4 {
    color: #0b2338;
    margin-bottom: .4rem
}

.why-choose-section .why-card p {
    color: #475569;
    font-size: .95rem
}

@media(max-width:900px) {
    .why-choose-section .why-card {
        text-align: left
    }
}

/* Why Choose image */
.why-left-image-wrap {
    display: block
}

.why-image {
    width: 100%;
    max-width: 520px;
    border-radius: 10px;
    box-shadow: 0 18px 40px rgba(2, 48, 103, 0.08);
    display: block
}

@media(max-width:900px) {
    .why-image {
        max-width: 100%;
        height: auto
    }
}

/* Process section styles */
.process-section h2 {
    color: #0b2338
}

/* Modern timeline layout */
.process-timeline {
    position: relative;
    padding: 1rem 0
}

.process-track {
    position: absolute;
    left: 6.5rem;
    right: 6.5rem;
    top: 42px;
    height: 4px;
    background: linear-gradient(90deg, #e6f0ff, #fafafa);
    border-radius: 4px;
    z-index: 0
}

.process-steps {
    display: flex;
    gap: 1.25rem;
    position: relative;
    z-index: 1
}

.process-step {
    flex: 1;
    display: flex;
    gap: 1rem;
    align-items: flex-start
}

.step-num {
    width: 56px;
    height: 56px;
    border-radius: 12px;
    background: linear-gradient(135deg, #0b6df0, #0a58c0);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    flex-shrink: 0;
    box-shadow: 0 10px 30px rgba(11, 94, 215, 0.12)
}

.step-card {
    background: #fff;
    padding: 1rem;
    border-radius: 12px;
    box-shadow: 0 16px 40px rgba(13, 38, 76, 0.06);
    flex: 1
}

.step-icon {
    width: 40px;
    height: 40px;
    border-radius: 8px;
    background: #eef6ff;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #0b6df0;
    font-size: 1.05rem;
    margin-bottom: .5rem
}

.step-title {
    font-size: 1.05rem;
    font-weight: 700;
    color: #0b2338;
    margin-bottom: .35rem
}

.step-desc {
    color: #475569;
    font-size: .96rem
}

@media(max-width:900px) {
    .process-track {
        left: 1rem;
        right: 1rem;
        top: 80px
    }

    .process-steps {
        flex-direction: column
    }

    .process-step {
        align-items: flex-start
    }

    .step-num {
        width: 48px;
        height: 48px
    }

    .step-card {
        padding: 0.95rem
    }
}

/* Testimonials redesigned */
.testimonials {
    display: flex;
    gap: 1rem;
    overflow-x: auto;
    padding: 1rem 0;
    -webkit-overflow-scrolling: touch
}

.testimonial-card {
    min-width: 320px;
    background: #fff;
    border-radius: 12px;
    padding: 1.25rem;
    box-shadow: 0 12px 36px rgba(13, 38, 76, 0.06);
    display: flex;
    flex-direction: column;
    gap: .75rem
}

.testimonial-top {
    display: flex;
    gap: .75rem;
    align-items: center
}

.testimonial-avatar {
    width: 56px;
    height: 56px;
    border-radius: 999px;
    object-fit: cover;
    box-shadow: 0 8px 20px rgba(2, 48, 103, 0.08)
}

.testimonial-name {
    font-weight: 700
}

.testimonial-role {
    font-size: .9rem;
    color: #6b7280
}

.testimonial-quote {
    font-style: italic;
    color: #334155
}

.testimonial-rating {
    color: #f59e0b;
    font-weight: 700
}

/* make testimonials wrap to grid on larger screens */
@media(min-width:992px) {
    .testimonials {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 1.25rem
    }

    .testimonial-card {
        min-width: auto
    }
}

/* CIBIL CTA styling: ensure a clear blue background and good contrast */
.cibil-cta-wrap {
    background: linear-gradient(90deg, #0b6df0, #084bb0);
}

.cibil-cta-wrap .text-xl {
    color: #fff
}

.cibil-cta-wrap a {
    background: #fff;
    color: #0b6df0
}

.cibil-cta-wrap a:hover {
    filter: brightness(.98)
}

/* Check CIBIL Score section */
.cibil-section {
    background: #ffffff !important
}

.cibil-section {
    background-color: #ffffff !important
}

.cibil-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 2rem;
    align-items: start
}

.cibil-heading {
    font-size: 1.8rem;
    color: #0b2338;
    margin-bottom: .6rem
}

.cibil-intro {
    color: #475569;
    margin-bottom: 1rem
}

.cibil-list {
    list-style: disc;
    padding-left: 1.25rem;
    margin-bottom: 1rem;
    color: #334155
}

.cibil-list li {
    margin-bottom: .5rem
}

.cibil-urgency {
    font-weight: 700;
    color: #0b2338;
    margin-top: 1rem
}

.cibil-callout {
    background: linear-gradient(90deg, #0b6df0, #084bb0);
    border-radius: 12px;
    padding: 1.25rem;
    color: #fff
}

.callout-inner {
    display: flex;
    flex-direction: column;
    gap: .75rem
}

.callout-title {
    font-size: 1.15rem;
    font-weight: 800
}

.callout-lead {
    opacity: .95
}

.callout-bullets {
    list-style: none;
    padding-left: 0;
    margin: 0 0 .5rem 0
}

.callout-bullets li {
    background: rgba(255, 255, 255, 0.06);
    padding: .45rem .6rem;
    border-radius: 8px;
    margin-bottom: .5rem
}

.callout-trust {
    font-size: .9rem;
    opacity: .95;
    margin-top: .5rem
}

.callout-inner .process-cta {
    margin-top: 6px
}

@media(max-width:900px) {
    .cibil-grid {
        grid-template-columns: 1fr;
        gap: 1rem
    }

    .callout-inner {
        align-items: flex-start
    }

    .callout-inner .process-cta {
        width: 100%;
        justify-content: center
    }
}

/* Process CTA (refined) */
.process-cta {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    padding: .85rem 1.25rem;
    background: linear-gradient(90deg, #0b6df0, #0a58c0);
    color: #ffffff;
    border-radius: 999px;
    font-weight: 800;
    text-decoration: none;
    box-shadow: 0 12px 36px rgba(11, 94, 215, 0.18);
    transition: transform .12s ease, box-shadow .12s ease
}

.process-cta i {
    font-size: 1rem
}

.process-cta:hover {
    transform: translateY(-3px);
    box-shadow: 0 18px 48px rgba(11, 94, 215, 0.2)
}

.process-cta:active {
    transform: translateY(-1px)
}

@media (max-width:640px) {
    .process-cta {
        width: 100%;
        justify-content: center;
        padding: .9rem 1rem
    }
}

/* Blog / Insights section */
.blog-section {
    background: #ffffff
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1rem
}

.post-card {
    background: #fff;
    padding: 1.25rem;
    border-radius: 12px;
    box-shadow: 0 12px 30px rgba(13, 38, 76, 0.06);
    display: flex;
    flex-direction: column;
    gap: .6rem
}

.post-image {
    height: 140px;
    border-radius: 8px;
    background: #eef6ff;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #0b6df0;
    font-size: 2rem
}

.post-card h3 {
    color: #0b2338
}

.post-card p {
    color: #475569
}

.post-card .service-cta {
    margin-top: auto
}

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

/* View All Articles button (blog) */
.view-all-btn {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    padding: .75rem 1.1rem;
    background: linear-gradient(90deg, #0b6df0, #0a58c0);
    color: #ffffff;
    border-radius: 999px;
    font-weight: 800;
    text-decoration: none;
    box-shadow: 0 12px 36px rgba(11, 94, 215, 0.16);
    transition: transform .12s ease, box-shadow .12s ease
}

.view-all-btn i {
    font-size: 0.95rem
}

.view-all-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 18px 48px rgba(11, 94, 215, 0.22)
}

.view-all-btn:active {
    transform: translateY(-1px)
}

.view-all-btn:focus {
    outline: 2px solid rgba(11, 109, 240, 0.18);
    outline-offset: 3px
}

/* Ensure bg-primary utility is present and contact section shows brand blue */
.bg-primary {
    background: #0b6df0 !important;
    color: #ffffff !important
}

#contact {
    background: #0b6df0 !important;
    color: #ffffff !important
}

#contact a {
    color: #ffffff
}

/* Ensure the white site-wide contact styles do not force the inner white card text.
   Force the contact details card to use black text for readability on white background. */
#contact .contact-details-card {
    color: #000 !important;
}
#contact .contact-details-card a {
    color: #000 !important;
}

/* Contact section layout */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem
}

.contact-left .contact-details-card {
    border-radius: 12px
}

.contact-details-card .icon-circle-small {
    width: 44px;
    height: 44px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #eef6ff, #e6f2ff);
    font-size: 1.05rem
}

.contact-info-item .icon-circle-small {
    flex-shrink: 0
}

.map-wrapper .map-iframe {
    border: 0;
    width: 100%;
    height: 100%;
    min-height: 220px
}

/* Contact section specific styling for redesigned enquiry */
.contact-section {
    background: linear-gradient(90deg, #0b6df0, #084bb0);
    padding: 4rem 0
}

.contact-section .contact-info {
    padding: 0;
    background: transparent
}

.contact-section .contact-info .bg-white {
    background: #ffffff
}

.contact-section .contact-info h3 {
    color: #0b2338
}

.contact-section .contact-info a {
    color: #0b2338;
    text-decoration: underline
}

.contact-section .map-iframe {
    min-height: 240px
}

.contact-section .enquiry-card {
    padding: 2rem;
    background: #ffffff;
    border-radius: 14px;
    box-shadow: 0 40px 90px rgba(2, 48, 103, 0.14);
    align-self: center
}

.contact-section .enquiry-header h3 {
    font-size: 1.35rem;
    color: #0b2338
}

.contact-section .enquiry-form input,
.contact-section .enquiry-form select,
.contact-section .enquiry-form textarea {
    width: 100%;
    padding: .85rem;
    border-radius: 10px;
    border: 1px solid #e6eefc;
    background: #fff;
    color: #0b2338;
    font-size: .95rem
}

.contact-section .enquiry-actions {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem
}

.contact-section .enquiry-terms {
    color: #6b7280
}

.contact-section .enquiry-terms input {
    width: 18px;
    height: 18px
}

.contact-section .btn-enquiry {
    padding: 1rem 1.5rem;
    border-radius: 10px;
    font-size: 1rem;
    box-shadow: 0 18px 44px rgba(11, 94, 215, 0.16)
}

@media(max-width:900px) {
    .contact-section {
        padding: 2rem 0
    }

    .contact-section .enquiry-actions {
        flex-direction: column;
        align-items: flex-start
    }

    .contact-section .map-iframe {
        min-height: 180px
    }
}

/* Enquiry form polish */
.enquiry-form .form-success {
    background: #ecfdf5;
    border: 1px solid #bbf7d0;
    color: #065f46;
    padding: 0.85rem 1rem;
    border-radius: 8px;
    margin-bottom: 1rem
}

.enquiry-form .form-row {
    position: relative
}

.enquiry-form .form-row input,
.enquiry-form .form-row textarea,
.enquiry-form .form-row select {
    width: 100%;
    padding: 0.75rem 1rem;
    border-radius: 8px;
    border: 1px solid #e6eefc;
    background: #fff;
    color: #0b2338;
    font-size: .95rem;
    box-sizing: border-box;
}

.enquiry-form .form-row .floating-label {
    position: absolute;
    left: 14px;
    top: 12px;
    pointer-events: none;
    color: #667085;
    font-size: 0.95rem;
    transition: all .14s ease
}

.enquiry-form .form-row input:focus+.floating-label,
.enquiry-form .form-row textarea:focus+.floating-label,
.enquiry-form .form-row select:focus+.floating-label {
    top: -10px;
    font-size: 0.8rem;
    color: #0b2338
}

.enquiry-form .form-row input:not(:placeholder-shown)+.floating-label,
.enquiry-form .form-row textarea:not(:placeholder-shown)+.floating-label {
    top: -10px;
    font-size: 0.8rem;
    color: #0b2338
}

/* Selects don't have placeholder-shown; float their label by default so it doesn't overlap */
.enquiry-form .form-row select+.floating-label {
    top: -10px;
    font-size: 0.8rem;
    color: #0b2338
}

.enquiry-form .form-row input:focus,
.enquiry-form .form-row textarea:focus {
    outline: none;
    border-color: #0b6df0;
    box-shadow: 0 8px 30px rgba(11, 109, 240, 0.08)
}

.enquiry-form .form-row textarea {
    min-height: 120px;
}

.enquiry-form .form-row-full {
    grid-column: 1 / -1
}

.enquiry-form .enquiry-terms {
    display: flex;
    align-items: center;
    gap: .6rem;
    color: #334155
}

@media(max-width:640px) {
    .enquiry-form .form-row .floating-label {
        left: 12px
    }
}

/* Make the enquiry card stand out on the blue background */
.enquiry-card {
    background: #ffffff;
    padding: 2.25rem;
    border-radius: 14px;
    box-shadow: 0 40px 90px rgba(2, 48, 103, 0.12);
    max-width: 760px;
    margin: 0
}

.enquiry-header h3 {
    color: #0b2338;
    font-size: 1.25rem
}

.enquiry-header p {
    color: #64748b
}

.enquiry-row label {
    display: block;
    font-size: .9rem;
    color: #334155;
    margin-bottom: .35rem;
    font-weight: 600
}

.enquiry-form input,
.enquiry-form select,
.enquiry-form textarea {
    width: 100%;
    padding: .9rem .95rem;
    border-radius: 10px;
    border: 1px solid #e2ecff;
    background: #fff;
    color: #0b2338;
    font-size: .95rem;
    transition: box-shadow .15s ease, border-color .12s ease
}

.enquiry-form input::placeholder,
.enquiry-form textarea::placeholder {
    color: #94a3b8
}

.enquiry-form textarea {
    min-height: 140px
}

.enquiry-form input:focus,
.enquiry-form select:focus,
.enquiry-form textarea:focus {
    outline: none;
    border-color: #0b6df0;
    box-shadow: 0 8px 30px rgba(11, 109, 240, 0.12)
}

.enquiry-form .enquiry-form-grid {
    gap: 1rem
}

.btn-enquiry {
    background: linear-gradient(90deg, #0b6df0, #0a58c0);
    color: #fff;
    border: none;
    padding: .85rem 1.25rem;
    border-radius: 999px;
    font-weight: 800;
    cursor: pointer;
    box-shadow: 0 14px 40px rgba(11, 94, 215, 0.16);
    transition: transform .12s ease, box-shadow .12s ease;
    display: inline-flex;
    align-items: center;
    gap: .6rem
}

.btn-enquiry:hover {
    transform: translateY(-3px);
    box-shadow: 0 20px 50px rgba(11, 94, 215, 0.2)
}

.btn-enquiry:active {
    transform: translateY(-1px)
}

@media(max-width:640px) {
    .btn-enquiry {
        width: 100%;
        justify-content: center
    }
}

.enquiry-terms {
    color: #6b7280
}

.enquiry-note {
    color: #94a3b8;
    margin-top: .5rem;
    font-size: .9rem
}

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

    .map-wrapper .map-iframe {
        min-height: 200px
    }
}

/* Full-width CTA on About page */
.about-cta {
    background: linear-gradient(90deg, #0b6df0, #084bb0);
    width: 100%
}

.about-cta .rounded-lg {
    background: transparent
}