:root {
    --gold: #B8962E;
    --gold-light: #D4AF5A;
    --gold-dark: #8B6E1E;
    --black: #0A0A0A;
    --dark: #111111;
    --dark2: #1A1A1A;
    --white: #FFFFFF;
    --off-white: #F5F3EE;
    --grey: #888888;
    --light-grey: #E8E5DF;
    --success: #2D7A4F;
  }

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

  html { scroll-behavior: smooth; }

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

  /* ===== TOP BAR ===== */
  .top-bar {
    background: var(--black);
    color: var(--gold-light);
    padding: 8px 0;
    font-size: 13px;
    text-align: center;
    letter-spacing: 0.5px;
  }
  .top-bar a { color: var(--gold-light); text-decoration: none; }
  .top-bar-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0 24px;
  }

  /* ===== HEADER / NAV ===== */
  header {
    background: var(--white);
    border-bottom: 2px solid var(--gold);
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 20px rgba(0,0,0,0.08);
  }
  .nav-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
  }
  .logo-block {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
  }
  .logo-img {
    width: 64px;
    height: 64px;
    object-fit: contain;
    flex-shrink: 0;
    display: block;
  }
  .logo-text-block { line-height: 1.1; }
  .logo-name {
    font-family: 'Playfair Display', serif;
    font-size: 18px;
    font-weight: 900;
    color: var(--black);
    text-transform: uppercase;
    letter-spacing: 1px;
    display: block;
  }
  .logo-sub {
    font-size: 10px;
    font-weight: 500;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 2px;
  }
  nav { display: flex; align-items: center; gap: 4px; }
  nav a {
    font-size: 13px;
    font-weight: 500;
    color: var(--dark);
    text-decoration: none;
    padding: 8px 14px;
    border-radius: 4px;
    transition: all 0.2s;
    letter-spacing: 0.3px;
  }
  nav a:hover { background: var(--off-white); color: var(--gold); }
  nav a.active { color: var(--gold); }
  .nav-cta {
    background: var(--gold) !important;
    color: var(--white) !important;
    padding: 10px 20px !important;
    border-radius: 4px !important;
    font-weight: 600 !important;
  }
  .nav-cta:hover { background: var(--gold-dark) !important; }
  .hamburger { display: none; cursor: pointer; flex-direction: column; gap: 5px; }
  .hamburger span { width: 24px; height: 2px; background: var(--black); display: block; transition: 0.3s; }

  /* ===== PAGE SECTIONS (show/hide) ===== */
  .page { display: none; }
  .page.active { display: block; }

  /* ===== HERO ===== */
  .hero {
    background: linear-gradient(135deg, var(--black) 0%, #1C1400 50%, #0A0A0A 100%);
    min-height: 92vh;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 700px;
    height: 700px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(184,150,46,0.15) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(184,150,46,0.08) 0%, transparent 70%);
    pointer-events: none;
  }
  /* Diagonal gold accent */
  .hero-diagonal {
    position: absolute;
    right: 0;
    top: 0;
    width: 40%;
    height: 100%;
    background: linear-gradient(180deg, rgba(184,150,46,0.06) 0%, transparent 100%);
    clip-path: polygon(15% 0%, 100% 0%, 100% 100%, 0% 100%);
  }
  .hero-content {
    max-width: 1200px;
    margin: 0 auto;
    padding: 60px 24px;
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
  }
  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(184,150,46,0.15);
    border: 1px solid rgba(184,150,46,0.4);
    color: var(--gold-light);
    font-size: 11px;
    font-weight: 600;
    padding: 6px 14px;
    border-radius: 20px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 24px;
  }
  .hero-badge::before { content: '?'; font-size: 8px; color: var(--gold); animation: pulse 2s infinite; }
  @keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.3} }
  .hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(38px, 5vw, 62px);
    font-weight: 900;
    color: var(--white);
    line-height: 1.1;
    margin-bottom: 20px;
  }
  .hero-title span { color: var(--gold); display: block; }
  .hero-desc {
    color: rgba(255,255,255,0.6);
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 480px;
  }
  .hero-btns { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
  .btn-primary {
    background: var(--gold);
    color: var(--white);
    padding: 14px 32px;
    border: none;
    border-radius: 4px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: 'DM Sans', sans-serif;
  }
  .btn-primary:hover { background: var(--gold-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(184,150,46,0.35); }
  .btn-outline {
    background: transparent;
    color: var(--white);
    padding: 14px 32px;
    border: 1.5px solid rgba(255,255,255,0.3);
    border-radius: 4px;
    font-size: 15px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: 'DM Sans', sans-serif;
  }
  .btn-outline:hover { border-color: var(--gold); color: var(--gold); }
  .hero-stats {
    display: flex;
    gap: 32px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.1);
  }
  .hero-stat { text-align: left; }
  .hero-stat-num {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 36px;
    color: var(--gold);
    line-height: 1;
  }
  .hero-stat-label { font-size: 12px; color: rgba(255,255,255,0.5); letter-spacing: 0.5px; margin-top: 4px; }

  /* Hero Right - Loan Card */
  .hero-card {
    background: var(--white);
    border-radius: 16px;
    padding: 36px;
    box-shadow: 0 40px 80px rgba(0,0,0,0.5);
    position: relative;
  }
  .hero-card::before {
    content: '';
    position: absolute;
    top: -2px; left: -2px; right: -2px; bottom: -2px;
    border-radius: 18px;
    background: linear-gradient(135deg, var(--gold), transparent, var(--gold-dark));
    z-index: -1;
  }
  .hero-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 6px;
    color: var(--black);
  }
  .hero-card p { color: var(--grey); font-size: 13px; margin-bottom: 24px; }
  .form-group { margin-bottom: 16px; }
  .form-group label { font-size: 12px; font-weight: 600; color: var(--dark); letter-spacing: 0.5px; display: block; margin-bottom: 6px; text-transform: uppercase; }
  .form-group input, .form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--light-grey);
    border-radius: 6px;
    font-size: 14px;
    font-family: 'DM Sans', sans-serif;
    color: var(--black);
    transition: border-color 0.2s;
    background: var(--off-white);
  }
  .form-group input:focus, .form-group select:focus { outline: none; border-color: var(--gold); background: white; }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .form-radio-group { display: flex; flex-wrap: wrap; gap: 8px; }
  .form-radio {
    display: flex;
    align-items: center;
    gap: 6px;
    background: var(--off-white);
    padding: 8px 12px;
    border-radius: 20px;
    cursor: pointer;
    border: 1.5px solid transparent;
    transition: 0.2s;
    font-size: 12px;
    font-weight: 500;
  }
  .form-radio:hover { border-color: var(--gold); }
  .form-radio input { width: auto; margin: 0; }
  .submit-btn {
    width: 100%;
    background: var(--gold);
    color: white;
    padding: 14px;
    border: none;
    border-radius: 6px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    margin-top: 8px;
    transition: all 0.2s;
    font-family: 'DM Sans', sans-serif;
    letter-spacing: 0.5px;
  }
  .submit-btn:hover { background: var(--gold-dark); transform: translateY(-1px); }
  .submit-btn:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }
  .form-message {
    padding: 12px 14px;
    border-radius: 6px;
    font-size: 13px;
    margin-bottom: 16px;
    line-height: 1.4;
  }
  .form-message--success { background: #e8f5e9; color: #1b5e20; border: 1px solid #a5d6a7; }
  .form-message--error { background: #ffebee; color: #b71c1c; border: 1px solid #ef9a9a; }
  .form-message--info { background: #fff8e1; color: #6d4c00; border: 1px solid #ffe082; }
  .field-error { display: block; font-size: 11px; color: #c62828; margin-top: 4px; font-weight: 500; text-transform: none; letter-spacing: 0; }
  .input-error { border-color: #e53935 !important; background: #fff5f5 !important; }
  .rbi-note { text-align: center; font-size: 11px; color: var(--grey); margin-top: 10px; }

  /* ===== SECTION COMMON ===== */
  .section { padding: 80px 24px; }
  .section-inner { max-width: 1200px; margin: 0 auto; }
  .section-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
  }
  .section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 800;
    color: var(--black);
    line-height: 1.2;
    margin-bottom: 16px;
  }
  .section-title span { color: var(--gold); }
  .section-desc { color: var(--grey); font-size: 16px; line-height: 1.7; max-width: 600px; }

  /* ===== TRUST BAR ===== */
  .trust-bar {
    background: var(--black);
    padding: 28px 24px;
  }
  .trust-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 24px;
  }
  .trust-item { display: flex; align-items: center; gap: 12px; }
  .trust-icon { width: 36px; height: 36px; fill: var(--gold); }
  .trust-text-block { }
  .trust-num {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 28px;
    color: var(--gold);
    line-height: 1;
  }
  .trust-label { font-size: 11px; color: rgba(255,255,255,0.5); letter-spacing: 1px; text-transform: uppercase; }

  /* ===== STEPS ===== */
  .steps-section { background: var(--off-white); }
  .steps-grid {
    display: flex;
    gap: 0;
    margin-top: 48px;
    position: relative;
  }
  .steps-grid::before {
    content: '';
    position: absolute;
    top: 32px;
    left: 10%;
    right: 10%;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
    z-index: 0;
  }
  .step-item {
    flex: 1;
    text-align: center;
    padding: 0 16px;
    position: relative;
    z-index: 1;
  }
  .step-num {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--gold);
    color: white;
    font-family: 'Bebas Neue', sans-serif;
    font-size: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    box-shadow: 0 4px 20px rgba(184,150,46,0.4);
    transition: transform 0.2s;
  }
  .step-item:hover .step-num { transform: scale(1.1); }
  .step-icon { font-size: 20px; margin-bottom: 4px; display: block; }
  .step-title { font-size: 15px; font-weight: 700; color: var(--black); margin-bottom: 8px; }
  .step-desc { font-size: 13px; color: var(--grey); line-height: 1.5; }

  /* ===== SERVICES CARDS ===== */
  .services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 48px;
  }
  .service-card {
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-radius: 12px;
    padding: 32px;
    transition: all 0.3s;
    position: relative;
    overflow: hidden;
    cursor: pointer;
  }
  .service-card::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 3px;
    background: var(--gold);
    transform: scaleX(0);
    transition: transform 0.3s;
  }
  .service-card:hover { transform: translateY(-6px); box-shadow: 0 20px 48px rgba(0,0,0,0.1); border-color: transparent; }
  .service-card:hover::before { transform: scaleX(1); }
  .service-icon {
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 20px;
    color: white;
  }
  .service-title { font-family: 'Playfair Display', serif; font-size: 19px; font-weight: 700; margin-bottom: 10px; color: var(--black); }
  .service-desc { font-size: 14px; color: var(--grey); line-height: 1.6; margin-bottom: 16px; }
  .service-rate { font-size: 13px; font-weight: 600; color: var(--gold); }
  .service-link { font-size: 13px; color: var(--gold); font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 4px; margin-top: 12px; }
  .service-link:hover { gap: 8px; }

  /* ===== FEATURES ===== */
  .features-section { background: var(--black); padding: 80px 24px; }
  .features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-top: 48px;
  }
  .feature-item { padding: 28px; border: 1px solid rgba(184,150,46,0.2); border-radius: 12px; transition: 0.3s; }
  .feature-item:hover { border-color: var(--gold); background: rgba(184,150,46,0.05); }
  .feature-icon { font-size: 28px; margin-bottom: 16px; }
  .feature-title { font-size: 17px; font-weight: 700; color: var(--white); margin-bottom: 10px; }
  .feature-desc { font-size: 14px; color: rgba(255,255,255,0.5); line-height: 1.6; }

  /* ===== EMI CALCULATOR ===== */
  .emi-section { background: var(--off-white); }
  .emi-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
  }
  .emi-title { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 800; color: var(--black); margin-bottom: 12px; }
  .emi-desc { color: var(--grey); font-size: 15px; line-height: 1.7; margin-bottom: 32px; }
  .emi-card {
    background: var(--white);
    border-radius: 16px;
    padding: 36px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.08);
    border: 1px solid var(--light-grey);
  }
  .emi-card h3 { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; margin-bottom: 4px; }
  .emi-card p { color: var(--grey); font-size: 13px; margin-bottom: 24px; }
  .range-group { margin-bottom: 20px; }
  .range-group label { font-size: 12px; font-weight: 600; color: var(--dark); letter-spacing: 0.5px; display: flex; justify-content: space-between; margin-bottom: 8px; text-transform: uppercase; }
  .range-group label span { color: var(--gold); font-size: 14px; }
  input[type="range"] { width: 100%; accent-color: var(--gold); cursor: pointer; }
  .emi-result {
    background: var(--black);
    border-radius: 10px;
    padding: 20px 24px;
    margin-top: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
  }
  .emi-result-item { text-align: center; }
  .emi-result-label { font-size: 11px; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 1px; }
  .emi-result-value { font-family: 'Bebas Neue', sans-serif; font-size: 28px; color: var(--gold); margin-top: 4px; }

  /* ===== TESTIMONIALS ===== */
  .testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 48px;
  }
  .testimonial-card {
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-radius: 12px;
    padding: 28px;
    position: relative;
  }
  .testimonial-card::before {
    content: '"';
    font-family: 'Playfair Display', serif;
    font-size: 80px;
    color: var(--gold);
    opacity: 0.2;
    position: absolute;
    top: 8px;
    left: 20px;
    line-height: 1;
  }
  .testimonial-text { font-size: 14px; color: var(--dark); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
  .testimonial-author { display: flex; align-items: center; gap: 12px; }
  .testimonial-avatar {
    width: 44px; height: 44px; border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    display: flex; align-items: center; justify-content: center;
    color: white; font-weight: 700; font-size: 16px;
  }
  .testimonial-name { font-weight: 700; font-size: 14px; color: var(--black); }
  .testimonial-role { font-size: 12px; color: var(--grey); }
  .stars { color: var(--gold); font-size: 13px; margin-bottom: 12px; }

  /* ===== CONTACT SECTION ===== */
  .contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
  }
  .contact-info-item { display: flex; gap: 16px; margin-bottom: 28px; }
  .contact-icon {
    width: 48px; height: 48px; border-radius: 10px;
    background: var(--gold);
    display: flex; align-items: center; justify-content: center;
    font-size: 20px; flex-shrink: 0;
  }
  .contact-info-title { font-weight: 700; font-size: 14px; margin-bottom: 4px; color: var(--black); }
  .contact-info-detail { font-size: 14px; color: var(--grey); line-height: 1.6; }
  .contact-form-card {
    background: var(--off-white);
    border-radius: 16px;
    padding: 36px;
    border: 1px solid var(--light-grey);
  }
  .contact-form-card h3 { font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 700; margin-bottom: 4px; }
  .contact-form-card p { color: var(--grey); font-size: 13px; margin-bottom: 24px; }
  textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--light-grey);
    border-radius: 6px;
    font-size: 14px;
    font-family: 'DM Sans', sans-serif;
    color: var(--black);
    resize: vertical;
    min-height: 100px;
    background: var(--white);
    transition: border-color 0.2s;
  }
  textarea:focus { outline: none; border-color: var(--gold); }

  /* ===== ABOUT PAGE ===== */
  .about-hero {
    background: linear-gradient(135deg, var(--black), #1A1000);
    padding: 80px 24px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .about-hero::before {
    content: '';
    position: absolute;
    top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    width: 600px; height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(184,150,46,0.12) 0%, transparent 70%);
  }
  .about-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(36px, 5vw, 56px); font-weight: 900; color: var(--white); margin-bottom: 16px; position: relative; }
  .about-hero h1 span { color: var(--gold); }
  .about-hero p { color: rgba(255,255,255,0.6); font-size: 17px; max-width: 600px; margin: 0 auto; position: relative; }
  .page-hero { background: linear-gradient(135deg, var(--black), #1A1000); padding: 60px 24px; }
  .page-hero-inner { max-width: 1200px; margin: 0 auto; }
  .page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(32px, 4vw, 48px); font-weight: 900; color: var(--white); margin-bottom: 12px; }
  .page-hero h1 span { color: var(--gold); }
  .page-hero p { color: rgba(255,255,255,0.6); font-size: 16px; max-width: 600px; }
  .breadcrumb { font-size: 13px; color: rgba(255,255,255,0.4); margin-bottom: 16px; }
  .breadcrumb a { color: var(--gold-light); text-decoration: none; }
  .breadcrumb a:hover { color: var(--gold); }

  /* About values */
  .values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 48px; }
  .value-card { text-align: center; padding: 28px 20px; background: var(--white); border-radius: 12px; border: 1px solid var(--light-grey); transition: 0.3s; }
  .value-card:hover { border-color: var(--gold); transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.08); }
  .value-icon { font-size: 32px; margin-bottom: 14px; }
  .value-title { font-family: 'Playfair Display', serif; font-size: 17px; font-weight: 700; color: var(--black); margin-bottom: 8px; }
  .value-desc { font-size: 13px; color: var(--grey); line-height: 1.5; }

  .leadership-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
  .leader-card { background: var(--white); border-radius: 12px; overflow: hidden; border: 1px solid var(--light-grey); transition: 0.3s; }
  .leader-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.1); }
  .leader-img { height: 200px; background: linear-gradient(135deg, var(--black), #2A1A00); display: flex; align-items: center; justify-content: center; font-size: 60px; }
  .leader-info { padding: 20px; }
  .leader-name { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; margin-bottom: 4px; }
  .leader-designation { font-size: 13px; color: var(--gold); font-weight: 600; margin-bottom: 8px; }
  .leader-bio { font-size: 13px; color: var(--grey); line-height: 1.5; }

  /* ===== SERVICES PAGE ===== */
  .service-detail-card {
    background: var(--white);
    border-radius: 16px;
    overflow: hidden;
    border: 1px solid var(--light-grey);
    margin-bottom: 32px;
    display: grid;
    grid-template-columns: 1fr 2fr;
    transition: 0.3s;
  }
  .service-detail-card:hover { box-shadow: 0 20px 60px rgba(0,0,0,0.1); }
  .service-detail-left {
    background: linear-gradient(135deg, var(--black), #1C1200);
    padding: 40px 32px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: flex-start;
  }
  .service-detail-icon { font-size: 48px; margin-bottom: 16px; }
  .service-detail-name { font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 800; color: var(--white); margin-bottom: 8px; }
  .service-detail-tagline { font-size: 13px; color: var(--gold-light); }
  .service-detail-right { padding: 40px 36px; }
  .service-detail-right p { color: var(--grey); font-size: 15px; line-height: 1.7; margin-bottom: 24px; }
  .service-features { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 24px; }
  .service-feature-tag {
    background: var(--off-white);
    border: 1px solid var(--light-grey);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 600;
    color: var(--dark);
  }
  .service-rate-box {
    background: var(--off-white);
    border-radius: 8px;
    padding: 16px 20px;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    border: 1px solid var(--light-grey);
  }
  .service-rate-label { font-size: 12px; color: var(--grey); }
  .service-rate-value { font-size: 20px; font-weight: 800; color: var(--gold); }

  /* ===== POLICY PAGES ===== */
  .policy-content {
    max-width: 900px;
    margin: 0 auto;
    padding: 60px 24px;
  }
  .policy-content h2 {
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    font-weight: 700;
    color: var(--black);
    margin: 36px 0 14px;
    padding-left: 16px;
    border-left: 4px solid var(--gold);
  }
  .policy-content h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--dark);
    margin: 20px 0 10px;
  }
  .policy-content p {
    color: #444;
    font-size: 15px;
    line-height: 1.8;
    margin-bottom: 14px;
  }
  .policy-content ul { padding-left: 20px; margin-bottom: 14px; }
  .policy-content ul li { color: #444; font-size: 15px; line-height: 1.8; margin-bottom: 6px; }
  .policy-meta { font-size: 13px; color: var(--grey); margin-bottom: 36px; padding: 14px 20px; background: var(--off-white); border-radius: 8px; border-left: 4px solid var(--gold); }

  /* ===== KYC PAGE ===== */
  .kyc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 36px; }
  .kyc-card { background: var(--white); border-radius: 12px; padding: 28px; border: 1px solid var(--light-grey); transition: 0.3s; }
  .kyc-card:hover { border-color: var(--gold); box-shadow: 0 12px 32px rgba(0,0,0,0.08); }
  .kyc-icon { font-size: 32px; margin-bottom: 14px; }
  .kyc-title { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 700; margin-bottom: 12px; color: var(--black); }
  .kyc-list { list-style: none; }
  .kyc-list li {
    padding: 8px 0;
    border-bottom: 1px solid var(--light-grey);
    font-size: 14px;
    color: var(--dark);
    display: flex;
    align-items: center;
    gap: 10px;
  }
  .kyc-list li:last-child { border-bottom: none; }
  .kyc-list li::before { content: '?'; color: var(--gold); font-weight: 700; font-size: 13px; }
  .nach-info-box {
    background: linear-gradient(135deg, var(--black), #1C1200);
    border-radius: 16px;
    padding: 48px;
    color: white;
    position: relative;
    overflow: hidden;
  }
  .nach-info-box::before {
    content: '';
    position: absolute;
    top: -50px; right: -50px;
    width: 200px; height: 200px;
    border-radius: 50%;
    background: rgba(184,150,46,0.1);
  }
  .nach-info-box h2 { font-family: 'Playfair Display', serif; font-size: 30px; font-weight: 800; margin-bottom: 16px; position: relative; }
  .nach-info-box h2 span { color: var(--gold); }
  .nach-info-box p { color: rgba(255,255,255,0.7); font-size: 15px; line-height: 1.7; margin-bottom: 14px; position: relative; }
  .nach-steps { list-style: none; margin-top: 24px; position: relative; }
  .nach-steps li { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 20px; }
  .nach-step-num {
    width: 32px; height: 32px; border-radius: 50%;
    background: var(--gold); color: white;
    display: flex; align-items: center; justify-content: center;
    font-weight: 700; font-size: 14px;
    flex-shrink: 0;
  }
  .nach-step-text { font-size: 14px; color: rgba(255,255,255,0.8); line-height: 1.6; padding-top: 4px; }

  /* ===== NODAL OFFICER ===== */
  .nodal-card {
    background: var(--white);
    border-radius: 16px;
    padding: 40px;
    border: 2px solid var(--gold);
    max-width: 600px;
    margin: 48px auto;
    text-align: center;
    box-shadow: 0 20px 60px rgba(184,150,46,0.1);
  }
  .nodal-badge {
    display: inline-block;
    background: var(--gold);
    color: white;
    padding: 6px 16px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 20px;
  }
  .nodal-name { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 800; color: var(--black); margin-bottom: 6px; }
  .nodal-title { font-size: 15px; color: var(--gold); font-weight: 600; margin-bottom: 24px; }
  .nodal-details { display: flex; flex-direction: column; gap: 12px; }
  .nodal-detail-row { display: flex; align-items: center; justify-content: center; gap: 10px; font-size: 14px; color: var(--dark); }
  .nodal-detail-label { color: var(--grey); min-width: 60px; text-align: right; font-size: 12px; font-weight: 600; text-transform: uppercase; }

  /* ===== FOOTER ===== */
  footer {
    background: var(--black);
    color: white;
    padding: 60px 24px 0;
  }
  .footer-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .footer-brand p { color: rgba(255,255,255,0.5); font-size: 13px; line-height: 1.7; margin: 16px 0 20px; max-width: 280px; }
  .footer-rbi-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(184,150,46,0.15);
    border: 1px solid rgba(184,150,46,0.3);
    padding: 8px 14px;
    border-radius: 6px;
    font-size: 12px;
    color: var(--gold-light);
    font-weight: 600;
    letter-spacing: 0.5px;
  }
  .footer-col h4 { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--gold); margin-bottom: 20px; }
  .footer-col ul { list-style: none; }
  .footer-col ul li { margin-bottom: 10px; }
  .footer-col ul li a { color: rgba(255,255,255,0.5); text-decoration: none; font-size: 13px; transition: color 0.2s; }
  .footer-col ul li a:hover { color: var(--gold-light); }
  .footer-bottom {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12px;
    color: rgba(255,255,255,0.3);
    flex-wrap: wrap;
    gap: 12px;
  }
  .footer-bottom a { color: rgba(255,255,255,0.4); text-decoration: none; }
  .footer-bottom a:hover { color: var(--gold-light); }

  /* ===== ALERT / DISCLAIMER ===== */
  .rbi-disclaimer {
    background: #FFF8E1;
    border: 1px solid #F5C842;
    border-radius: 8px;
    padding: 16px 20px;
    margin: 24px 0;
    font-size: 13px;
    color: #6B4F00;
    line-height: 1.6;
  }
  .rbi-disclaimer strong { display: block; margin-bottom: 4px; color: #4A3500; }

  /* ===== UTILITY ===== */
  .text-center { text-align: center; }
  .mb-0 { margin-bottom: 0; }
  .gold { color: var(--gold); }
  .divider { height: 1px; background: var(--light-grey); margin: 48px 0; }
  .tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(184,150,46,0.1);
    border: 1px solid rgba(184,150,46,0.25);
    color: var(--gold-dark);
    padding: 5px 12px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
  }
  .tag-green { background: rgba(45,122,79,0.1); border-color: rgba(45,122,79,0.25); color: var(--success); }

  /* Scroll animations */
  .fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease, transform 0.6s ease; }
  .fade-in.visible { opacity: 1; transform: translateY(0); }

  /* ===== RESPONSIVE ===== */
  @media (max-width: 1024px) {
    .services-grid, .features-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-inner { grid-template-columns: 1fr 1fr; }
    .values-grid { grid-template-columns: repeat(2, 1fr); }
    .service-detail-card { grid-template-columns: 1fr; }
  }
  @media (max-width: 768px) {
    .hero-content { grid-template-columns: 1fr; }
    .hero-diagonal { display: none; }
    .emi-inner, .contact-grid { grid-template-columns: 1fr; }
    .services-grid, .features-grid, .testimonials-grid, .kyc-grid, .leadership-grid { grid-template-columns: 1fr; }
    .values-grid { grid-template-columns: repeat(2, 1fr); }
    .steps-grid { flex-direction: column; }
    .steps-grid::before { display: none; }
    nav { display: none; }
    nav.open { display: flex; flex-direction: column; position: fixed; top: 80px; left: 0; right: 0; background: white; padding: 16px; border-bottom: 1px solid var(--light-grey); z-index: 999; }
    .hamburger { display: flex; }
    .top-bar-inner { flex-direction: column; gap: 4px; font-size: 11px; }
    .footer-inner { grid-template-columns: 1fr; gap: 32px; }
    .hero-stats { gap: 20px; }
  }