/* =====================================================================
   KKHATU SHYAM FINANCE CORPORATION — Design System
   Palette: Navy #0A1D3D · Gold #D4AF37 · White · Off-white #FAF8F2 · Neutral #F3F1EA
   Type:    Montserrat (UI/body) · Playfair Display (accent) · Noto Sans Devanagari (Hindi)
   ===================================================================== */

/* ---------- Tokens ---------- */
:root {
  /* Core brand — from the approved KS logo */
  --navy: #0A1D3D;
  --navy-deep: #061527;          /* footer / deepest ground */
  --navy-rich: #0D2A56;          /* mid navy in the logo turban */
  --navy-soft: #13315F;          /* hover on navy buttons */
  --navy-lift: #17396B;          /* top of navy gradients */

  --gold: #D4AF37;               /* brief gold — the anchor */
  --gold-light: #F2E3A8;         /* champagne highlight in the logo */
  --gold-mid: #C9A02F;
  --gold-deep: #8A5A18;          /* bronze shadow in the logo */
  --gold-text: #8A6D1F;          /* accessible gold for text on light backgrounds */
  --gold-soft: rgba(212, 175, 55, 0.16);
  --gold-faint: rgba(212, 175, 55, 0.07);
  --gold-metal: linear-gradient(135deg, #F2E3A8 0%, #D4AF37 42%, #B8891F 72%, #8A5A18 100%);
  --gold-rule: linear-gradient(90deg, #8A5A18 0%, #D4AF37 45%, #F2E3A8 100%);

  --peacock: #1C6B52;            /* peacock feather — used very sparingly */
  --peacock-soft: rgba(28, 107, 82, 0.10);

  --white: #FFFFFF;
  --offwhite: #FAF8F2;
  --neutral: #F3F1EA;
  --neutral-warm: #EFEBDF;       /* deeper warm neutral for banding */
  --ink: #1B2333;
  --muted: #5B6473;
  --line: #E6E1D3;
  --line-strong: #CFC8B5;
  --on-navy-soft: rgba(255, 255, 255, 0.78);
  --on-navy-line: rgba(255, 255, 255, 0.14);
  --danger: #A2321F;

  --font-sans: "Montserrat", "Noto Sans Devanagari", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-hindi: "Noto Sans Devanagari", "Montserrat", system-ui, sans-serif;

  --radius: 12px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 2px rgba(10, 29, 61, 0.05), 0 4px 14px rgba(10, 29, 61, 0.06);
  --shadow-md: 0 2px 6px rgba(10, 29, 61, 0.06), 0 14px 34px rgba(10, 29, 61, 0.10);
  --shadow-lift: 0 6px 16px rgba(10, 29, 61, 0.08), 0 24px 50px rgba(10, 29, 61, 0.14);
  --shadow-gold: 0 10px 30px rgba(138, 90, 24, 0.16);

  --container: 1200px;
  --gutter: 24px;
  --section-y: clamp(64px, 8vw, 112px);
  --header-h: 76px;
  --sticky-h: 64px;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-text); }
h1, h2, h3, h4, h5 { margin: 0 0 0.5em; color: var(--navy); font-weight: 600; line-height: 1.2; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.15rem, 1.8vw, 1.35rem); }
h4 { font-size: 1.05rem; }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
ul, ol { margin: 0 0 1em; padding-left: 1.3em; }
strong { font-weight: 600; }
small, .small { font-size: 0.875rem; }
hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }
button { font: inherit; }
::selection { background: var(--gold-soft); }

/* Hindi / Devanagari — Latin words stay in Montserrat, Devanagari glyphs fall back to Noto */
:lang(hi), .hi { font-family: var(--font-sans); line-height: 1.75; }
h1:lang(hi), h2:lang(hi), h3:lang(hi), .hi h1, .hi h2, .hi h3 { line-height: 1.4; letter-spacing: 0; }

/* Focus: always visible, brand-coloured */
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.bg-navy :focus-visible, .site-footer :focus-visible, .cta-band :focus-visible, .trust :focus-visible, .why :focus-visible { outline-color: var(--white); }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; top: -100px; left: 16px; z-index: 1000;
  background: var(--navy); color: var(--white); padding: 10px 16px; border-radius: var(--radius-sm); font-weight: 600;
}
.skip-link:focus { top: 12px; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }
.container--narrow { max-width: 860px; }
.section { padding-block: var(--section-y); }
.section--tight { padding-block: clamp(40px, 5vw, 64px); }
.bg-white { background: var(--white); }
.bg-offwhite { background: var(--offwhite); }
.bg-neutral { background: var(--neutral); }
.bg-navy { background: var(--navy); color: var(--on-navy-soft); }
.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.bg-navy a { color: var(--white); }
.bg-navy a:hover { color: var(--gold); }

.grid { display: grid; gap: 28px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 1023px) {
  .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid--3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
  .grid--2, .grid--3, .grid--4 { grid-template-columns: minmax(0, 1fr); }
}

/* Two-column feature split (image + text) */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(32px, 6vw, 80px); align-items: center; }
.split--reverse > :first-child { order: 2; }
@media (max-width: 900px) {
  .split { grid-template-columns: minmax(0, 1fr); gap: 36px; }
  .split--reverse > :first-child { order: 0; }
}

/* Section heading block */
.section-head { max-width: 760px; margin-bottom: clamp(36px, 4vw, 56px); }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head--center .eyebrow { justify-content: center; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.bg-navy .section-head p { color: var(--on-navy-soft); }

/* ---------- Typography helpers ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold-text); margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); flex: none; }
.bg-navy .eyebrow, .eyebrow--light { color: var(--gold); }
.display { font-family: var(--font-serif); font-weight: 700; letter-spacing: 0; }
.lead { font-size: 1.125rem; color: var(--muted); }
.bg-navy .lead { color: var(--on-navy-soft); }
.text-center { text-align: center; }
.muted { color: var(--muted); }
.gold-rule { width: 56px; height: 2px; background: var(--gold); border: 0; margin: 20px 0; }
.gold-rule--center { margin-left: auto; margin-right: auto; }
.tagline {
  display: inline-flex; align-items: center; gap: 14px; flex-wrap: wrap;
  font-size: 0.82rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--navy);
}
.tagline::before { content: ""; width: 36px; height: 2px; background: var(--gold); }
.tagline .hi { text-transform: none; letter-spacing: 0; font-weight: 500; color: var(--muted); font-size: 0.95rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 14px 28px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: 0.9rem; letter-spacing: 0.06em; text-transform: uppercase; text-decoration: none;
  border: 1.5px solid transparent; cursor: pointer; line-height: 1.2; text-align: center;
  transition: background-color .18s ease, color .18s ease, border-color .18s ease, transform .18s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn--primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--primary:hover { background: var(--navy-soft); color: var(--white); }
.btn--gold { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn--gold:hover { background: #DDBB4F; color: var(--navy); }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: var(--white); }
.btn--outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.7); }
.btn--outline-light:hover { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn--sm { min-height: 42px; padding: 10px 18px; font-size: 0.8rem; }
.btn--block { width: 100%; }
.btn .arrow { font-family: var(--font-sans); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.btn-row--center { justify-content: center; }

/* Text link with arrow ("Know More →") */
.link-arrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: 0.9rem; letter-spacing: 0.02em; color: var(--navy); text-decoration: none;
  border-bottom: 1.5px solid var(--gold); padding-bottom: 3px;
}
.link-arrow:hover { color: var(--gold-text); }
.link-arrow::after { content: "→"; transition: transform .18s ease; }
.link-arrow:hover::after { transform: translateX(4px); }
.bg-navy .link-arrow { color: var(--white); }
.bg-navy .link-arrow:hover { color: var(--gold); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.96); backdrop-filter: saturate(140%) blur(6px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .2s ease;
}
.site-header.is-scrolled { box-shadow: var(--shadow-sm); }
.site-header .container { max-width: 1340px; }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 14px; text-decoration: none; color: var(--navy); }
.brand:hover { color: var(--navy); }
.brand__logo { width: 52px; height: 52px; flex: none; }
.brand__logo img { width: 100%; height: 100%; object-fit: contain; }
.brand__name { display: flex; flex-direction: column; line-height: 1.15; white-space: nowrap; }
.brand__name .l1 { font-weight: 700; font-size: 0.95rem; letter-spacing: 0.12em; }
.brand__name .l2 { font-weight: 500; font-size: 0.68rem; letter-spacing: 0.22em; color: var(--gold-text); }
.nav { display: flex; align-items: center; gap: 4px; }
.nav__link {
  display: inline-block; padding: 10px 12px; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.09em; white-space: nowrap;
  text-transform: uppercase; color: var(--navy); text-decoration: none; border-bottom: 2px solid transparent;
}
.nav__link:hover { color: var(--gold-text); }
.nav__link[aria-current="page"] { border-bottom-color: var(--gold); }
.header__actions { display: flex; align-items: center; gap: 12px; flex: none; }
.header__cta { white-space: nowrap; }
.nav-toggle {
  display: none; width: 48px; height: 48px; align-items: center; justify-content: center;
  background: transparent; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm); color: var(--navy); cursor: pointer;
}
.nav-toggle__bars { position: relative; width: 20px; height: 2px; background: currentColor; }
.nav-toggle__bars::before, .nav-toggle__bars::after { content: ""; position: absolute; left: 0; width: 20px; height: 2px; background: currentColor; transition: transform .2s ease; }
.nav-toggle__bars::before { top: -6px; }
.nav-toggle__bars::after { top: 6px; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars { background: transparent; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars::after { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 1320px) and (min-width: 1200px) {
  .nav__link { padding: 10px 9px; font-size: 0.74rem; letter-spacing: 0.06em; }
}
@media (max-width: 1199px) {
  .header__inner { min-height: 68px; }
  .brand__logo { width: 44px; height: 44px; }
  .brand__name .l1 { font-size: 0.82rem; }
  .brand__name .l2 { font-size: 0.6rem; letter-spacing: 0.18em; }
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--white); border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
    padding: 8px 0 12px;
  }
  .nav.is-open { display: flex; }
  .nav__link { padding: 16px var(--gutter); font-size: 0.9rem; border-bottom: 1px solid var(--line); border-left: 3px solid transparent; }
  .nav__link:last-child { border-bottom: 0; }
  .nav__link[aria-current="page"] { border-left-color: var(--gold); border-bottom-color: var(--line); }
}
@media (max-width: 480px) {
  :root { --gutter: 16px; }
  .header__inner { gap: 10px; }
  .header__actions { gap: 8px; }
  .brand { gap: 10px; }
  .brand__logo { width: 40px; height: 40px; }
  .brand__name .l1 { font-size: 0.7rem; letter-spacing: 0.06em; }
  .brand__name .l2 { font-size: 0.5rem; letter-spacing: 0.14em; }
  .header__cta { padding: 8px 10px; font-size: 0.66rem; letter-spacing: 0.04em; min-height: 40px; white-space: nowrap; }
  .nav-toggle { width: 42px; height: 42px; }
}
@media (max-width: 380px) {
  .header__inner { gap: 8px; }
  .brand { gap: 8px; min-width: 0; }
  .brand__logo { width: 34px; height: 34px; }
  .brand__name .l1 { font-size: 0.64rem; letter-spacing: 0.04em; }
  .brand__name .l2 { font-size: 0.46rem; letter-spacing: 0.08em; }
  .header__cta { padding: 8px 9px; font-size: 0.6rem; letter-spacing: 0.02em; }
  .nav-toggle { width: 38px; height: 38px; }
  .sticky-bar a { font-size: 0.66rem; gap: 6px; }
  .sticky-bar a svg { width: 16px; height: 16px; }
}

/* ---------- Hero ---------- */
.hero { padding-block: clamp(56px, 7vw, 104px); }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr); gap: clamp(32px, 6vw, 72px); align-items: center; }
.hero__title { font-family: var(--font-serif); font-weight: 700; font-size: clamp(2.5rem, 5.4vw, 4.4rem); line-height: 1.06; letter-spacing: -0.01em; margin-bottom: 26px; }
.hero__title span { display: block; }
.hero__title span:nth-child(2) { color: var(--gold-text); }
.hero__hindi { font-size: clamp(1.05rem, 1.6vw, 1.3rem); font-weight: 500; color: var(--navy); margin-bottom: 14px; }
.hero__text { font-size: 1.05rem; color: var(--muted); max-width: 560px; }
@media (max-width: 900px) {
  .hero__grid { grid-template-columns: minmax(0, 1fr); }
  .hero__media { max-width: 560px; margin-top: 8px; }
}

/* ---------- Media frame + image placeholder ---------- */
.media-frame { position: relative; margin: 0; }
.media-frame::before {
  content: ""; position: absolute; inset: 18px -18px -18px 18px;
  border: 1.5px solid var(--gold); border-radius: var(--radius); z-index: 0; pointer-events: none;
}
.media-frame__img {
  position: relative; z-index: 1; overflow: hidden; border-radius: var(--radius);
  background: var(--neutral); aspect-ratio: 6 / 5; box-shadow: var(--shadow-md);
}
.media-frame--portrait .media-frame__img { aspect-ratio: 4 / 5; }
.media-frame--wide .media-frame__img { aspect-ratio: 4 / 3; }
.media-frame__img img { width: 100%; height: 100%; object-fit: cover; }
.media-frame--plain::before { display: none; }
@media (max-width: 640px) { .media-frame::before { inset: 12px -10px -12px 10px; } }

/* Placeholder block (client to supply photography) — deliberately quiet and editorial */
.ph {
  width: 100%; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px;
  text-align: center; padding: 24px; color: var(--muted);
  background:
    linear-gradient(0deg, rgba(10,29,61,0.035), rgba(10,29,61,0.035)),
    repeating-linear-gradient(135deg, transparent 0 14px, rgba(10,29,61,0.03) 14px 15px), var(--neutral);
  border: 1px dashed var(--line-strong);
}
.ph__icon { width: 40px; height: 40px; color: var(--gold-text); opacity: .9; }
.ph__label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--navy); }
.ph__spec { font-size: 0.82rem; max-width: 34ch; line-height: 1.5; }

/* ---------- Trust strip ---------- */
.trust { padding-block: clamp(48px, 5vw, 72px); }
.trust__head { text-align: center; margin-bottom: clamp(32px, 4vw, 48px); }
.trust__head h2 { font-size: 0.95rem; letter-spacing: 0.2em; text-transform: uppercase; font-weight: 600; color: var(--gold); margin: 0; }
.trust__grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--on-navy-line); border-bottom: 1px solid var(--on-navy-line); }
.trust__item { padding: 28px 26px; border-left: 1px solid var(--on-navy-line); }
.trust__item:first-child { border-left: 0; }
.trust__item h3 { font-size: 0.85rem; letter-spacing: 0.14em; text-transform: uppercase; margin: 14px 0 8px; color: var(--white); }
.trust__item p { margin: 0; font-size: 0.95rem; color: var(--on-navy-soft); }
.trust__icon { width: 30px; height: 30px; color: var(--gold); }
@media (max-width: 1023px) {
  .trust__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .trust__item:nth-child(3) { border-left: 0; }
  .trust__item:nth-child(n+3) { border-top: 1px solid var(--on-navy-line); }
}
@media (max-width: 560px) {
  .trust__grid { grid-template-columns: minmax(0, 1fr); }
  .trust__item { border-left: 0; padding: 22px 4px; }
  .trust__item:nth-child(n+2) { border-top: 1px solid var(--on-navy-line); }
}

/* ---------- Cards ---------- */
.card {
  position: relative; display: flex; flex-direction: column; height: 100%;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px 30px 30px; box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--line-strong); }
.card__icon { width: 44px; height: 44px; color: var(--navy); margin-bottom: 20px; }
.card__icon svg { width: 100%; height: 100%; }
.card__accent { width: 40px; height: 2px; background: var(--gold); margin-bottom: 18px; }
.card__kicker { font-size: 0.74rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-text); margin-bottom: 8px; }
.card__title { font-size: 1.2rem; margin-bottom: 8px; }
.card__sub { font-weight: 600; color: var(--navy); font-size: 0.98rem; margin-bottom: 10px; }
.card__text { color: var(--muted); font-size: 0.97rem; flex: 1; margin-bottom: 22px; }
.card--link { text-decoration: none; color: inherit; }
.card--navy { background: rgba(255,255,255,0.04); border-color: var(--on-navy-line); box-shadow: none; }
.card--navy:hover { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.28); }
.card--navy .card__title { color: var(--white); }
.card--navy .card__text { color: var(--on-navy-soft); }
.card--navy .card__icon { color: var(--gold); }
.card--quiet { box-shadow: none; }

/* ---------- Checklist / bullet list with gold marks ---------- */
.checklist { list-style: none; padding: 0; margin: 24px 0; display: grid; gap: 12px; }
.checklist li { display: flex; align-items: flex-start; gap: 14px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; font-size: 0.86rem; color: var(--navy); }
.checklist li::before {
  content: ""; flex: none; width: 22px; height: 22px; margin-top: 1px; border-radius: 50%;
  background: var(--gold-soft) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238A6D1F' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'><path d='M6 12.5l4 4 8-9'/></svg>") center / 13px 13px no-repeat;
}
.checklist--normal li { text-transform: none; letter-spacing: 0; font-weight: 500; font-size: 1rem; color: var(--ink); }
.bg-navy .checklist li { color: var(--white); }

/* ---------- Numbered points (Why KS / Our Approach) ---------- */
.points { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
.points--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.point { padding-top: 22px; border-top: 1px solid var(--on-navy-line); }
.point__num { font-family: var(--font-serif); font-weight: 700; font-size: 1.9rem; color: var(--gold); line-height: 1; margin-bottom: 14px; }
.point h3 { font-size: 0.9rem; letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 10px; }
.point h3[lang="hi"], .trust__item h3[lang="hi"], .card__title[lang="hi"], .checklist li[lang="hi"],
.takeaway h3[lang="hi"], .card__kicker[lang="hi"], .label-sm[lang="hi"], .eyebrow[lang="hi"] { letter-spacing: 0.02em; text-transform: none; }
.point p { margin: 0; font-size: 0.98rem; }
.points--light .point { border-top-color: var(--line-strong); }
.points--light .point__num { color: var(--gold-text); }
.points--light .point h3 { color: var(--navy); }
.points--light .point p { color: var(--muted); }
@media (max-width: 1023px) { .points { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .points, .points--3 { grid-template-columns: minmax(0, 1fr); } }

/* ---------- Founder ---------- */
.founder__name { font-family: var(--font-serif); font-weight: 700; font-size: clamp(1.9rem, 3vw, 2.5rem); margin-bottom: 4px; }
.founder__role { font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; font-size: 0.8rem; color: var(--gold-text); margin-bottom: 20px; }
.founder__exp { font-size: 1.05rem; font-weight: 500; color: var(--navy); padding: 14px 18px; border-left: 2px solid var(--gold); background: var(--offwhite); margin-bottom: 24px; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 12px 0 28px; }
.chips li { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.04em; color: var(--navy); background: var(--white); border: 1px solid var(--line-strong); border-radius: 999px; padding: 8px 14px; }
.quote { position: relative; margin: 0 0 28px; padding: 6px 0 6px 26px; border-left: 2px solid var(--gold); font-size: 1.1rem; font-weight: 500; color: var(--ink); line-height: 1.75; }
.quote cite { display: block; margin-top: 10px; font-style: normal; font-size: 0.85rem; color: var(--muted); }
.label-sm { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }

/* ---------- Knowledge centre ---------- */
.kc-card { text-decoration: none; }
.kc-card .card__title { font-size: 1rem; letter-spacing: 0.1em; text-transform: uppercase; }
.article-card { padding: 28px 26px 26px; }
.article-card .card__title { font-size: 1.15rem; line-height: 1.4; }
.article-card .card__title a { text-decoration: none; color: var(--navy); }
.article-card .card__title a:hover { color: var(--gold-text); }
.article-card .card__title a::after { content: ""; position: absolute; inset: 0; }
.article-card .link-arrow { position: relative; z-index: 1; }

/* Category tabs on the knowledge centre index */
.cat-nav { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: clamp(32px, 4vw, 48px); }
.cat-nav a { font-size: 0.78rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--navy); text-decoration: none; padding: 10px 16px; border: 1px solid var(--line-strong); border-radius: 999px; background: var(--white); }
.cat-nav a:hover { border-color: var(--gold); color: var(--gold-text); }

/* Article body */
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 0.82rem; color: var(--muted); margin-bottom: 24px; }
.article-meta a { color: var(--gold-text); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; text-decoration: none; font-size: 0.75rem; }

/* ---------- Prose (articles, legal) ---------- */
.prose { max-width: 74ch; font-size: 1.02rem; }
.prose h2 { font-size: 1.5rem; margin-top: 2.2em; }
.prose h3 { font-size: 1.15rem; margin-top: 1.8em; }
.prose h2:first-child, .prose h3:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--ink); }
.prose ul, .prose ol { padding-left: 1.4em; }
.prose li { margin-bottom: 0.4em; }
.prose li::marker { color: var(--gold-text); }
.prose table { width: 100%; border-collapse: collapse; margin: 1.5em 0; font-size: 0.95rem; }
.prose th, .prose td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { background: var(--offwhite); color: var(--navy); font-weight: 600; font-size: 0.85rem; letter-spacing: 0.06em; text-transform: uppercase; }
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 1.5em 0; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.table-wrap table { margin: 0; min-width: 480px; }
.table-wrap th:first-child, .table-wrap td:first-child { padding-left: 16px; }
.prose .updated { font-size: 0.85rem; color: var(--muted); }

/* ---------- Notice / disclaimer box ---------- */
.notice {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--offwhite); border: 1px solid var(--line); border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm); padding: 18px 22px; font-size: 0.92rem; color: var(--ink);
}
.notice__icon { flex: none; width: 22px; height: 22px; color: var(--gold-text); margin-top: 2px; }
.notice p { margin: 0; }
.notice p + p { margin-top: 8px; }
.notice--navy { background: rgba(255,255,255,0.05); border-color: var(--on-navy-line); border-left-color: var(--gold); color: var(--on-navy-soft); }
.notice--navy .notice__icon { color: var(--gold); }

/* ---------- Info grid (e.g. Before you take a vehicle loan) ---------- */
.info-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.info-item { padding: 24px 26px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.info-item h3 { font-size: 1rem; margin-bottom: 6px; display: flex; align-items: center; gap: 12px; }
.info-item h3::before { content: ""; width: 14px; height: 2px; background: var(--gold); flex: none; }
.info-item p { margin: 0; color: var(--muted); font-size: 0.97rem; }
@media (max-width: 640px) { .info-grid { grid-template-columns: minmax(0, 1fr); } }

/* ---------- CTA band ---------- */
.cta-band { position: relative; padding-block: clamp(64px, 7vw, 96px); overflow: hidden; }
.cta-band__inner {
  position: relative; text-align: center; max-width: 820px; margin: 0 auto;
  padding: clamp(36px, 5vw, 60px) clamp(20px, 4vw, 56px);
  border: 1px solid rgba(212, 175, 55, 0.55); border-radius: var(--radius);
}
.cta-band__inner::before, .cta-band__inner::after {
  content: ""; position: absolute; width: 56px; height: 56px; border: 1.5px solid var(--gold); pointer-events: none;
}
.cta-band__inner::before { top: -1px; left: -1px; border-right: 0; border-bottom: 0; border-top-left-radius: var(--radius); }
.cta-band__inner::after { bottom: -1px; right: -1px; border-left: 0; border-top: 0; border-bottom-right-radius: var(--radius); }
.cta-band h2 { font-family: var(--font-serif); font-size: clamp(1.9rem, 3.4vw, 2.7rem); color: var(--white); margin-bottom: 14px; }
.cta-band .hi { font-size: 1.08rem; color: var(--on-navy-soft); max-width: 640px; margin: 0 auto 30px; }
.cta-band__disclaimer { margin: 30px auto 0; max-width: 620px; font-size: 0.8rem; color: rgba(255,255,255,0.62); line-height: 1.6; }

/* ---------- Contact strip / cards ---------- */
.contact-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin: 36px 0; }
.contact-item { display: flex; gap: 14px; align-items: flex-start; padding: 20px 20px; background: var(--offwhite); border: 1px solid var(--line); border-radius: var(--radius); }
.contact-item__icon { flex: none; width: 38px; height: 38px; display: grid; place-items: center; color: var(--navy); background: var(--white); border: 1px solid var(--line-strong); border-radius: 50%; }
.contact-item__icon svg { width: 20px; height: 20px; }
.contact-item .label-sm { margin-bottom: 4px; }
.contact-item a, .contact-item span.value { font-weight: 600; font-size: 0.95rem; color: var(--navy); text-decoration: none; overflow-wrap: anywhere; }
.contact-item a:hover { color: var(--gold-text); }
@media (max-width: 900px) { .contact-grid { grid-template-columns: minmax(0, 1fr); } }
.social-links { display: flex; gap: 12px; flex-wrap: wrap; list-style: none; padding: 0; margin: 0; }
.social-links a { display: inline-flex; align-items: center; gap: 8px; font-size: 0.85rem; font-weight: 600; text-decoration: none; color: var(--navy); border: 1px solid var(--line-strong); border-radius: 999px; padding: 9px 16px; }
.social-links a:hover { border-color: var(--gold); color: var(--gold-text); }
.social-links svg { width: 16px; height: 16px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding-block: clamp(48px, 6vw, 84px); border-bottom: 1px solid var(--line); }
.page-hero h1 { margin-bottom: 14px; }
.page-hero .lead { max-width: 720px; }
.page-hero--navy { border-bottom: 0; }
.page-hero--navy .lead { color: var(--on-navy-soft); }
.page-hero--split .split { align-items: center; }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; margin: 0 0 20px; font-size: 0.8rem; color: var(--muted); }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold-text); }
.breadcrumb li + li::before { content: "/"; margin-right: 8px; color: var(--line-strong); }
.bg-navy .breadcrumb, .bg-navy .breadcrumb a { color: var(--on-navy-soft); }

/* ---------- Forms ---------- */
.form { display: grid; gap: 20px; }
.form__row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 640px) { .form__row { grid-template-columns: minmax(0, 1fr); } }
.field { display: grid; gap: 8px; }
.field__label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--navy); }
.field__label .opt { font-weight: 500; letter-spacing: 0.02em; text-transform: none; color: var(--muted); }
.field__input, .field__select, .field__textarea {
  width: 100%; min-height: 52px; padding: 14px 16px; font: inherit; font-size: 1rem; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field__textarea { min-height: 128px; resize: vertical; }
.field__select { appearance: none; -webkit-appearance: none; padding-right: 44px;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230A1D3D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><path d='M6 9l6 6 6-6'/></svg>");
  background-repeat: no-repeat; background-position: right 16px center; background-size: 16px; }
.field__input:focus, .field__select:focus, .field__textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px var(--gold-soft); }
.field__input[aria-invalid="true"], .field__select[aria-invalid="true"], .field__textarea[aria-invalid="true"] { border-color: var(--danger); }
.field__hint { font-size: 0.82rem; color: var(--muted); }
.field__error { display: none; font-size: 0.85rem; color: var(--danger); font-weight: 500; }
.field__error.is-visible { display: block; }
.checkbox { display: flex; gap: 14px; align-items: flex-start; font-size: 0.93rem; line-height: 1.6; color: var(--ink); cursor: pointer; }
.checkbox input { flex: none; width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--navy); cursor: pointer; }
.checkbox a { font-weight: 600; }
.form__note { font-size: 0.82rem; color: var(--muted); line-height: 1.6; }
.form__status { display: none; padding: 16px 20px; border-radius: var(--radius-sm); font-weight: 500; }
.form__status.is-visible { display: block; }
.form__status--error { background: #FBEDEA; color: var(--danger); border: 1px solid #F1C9C1; }
.form__status--success { background: #EEF6EF; color: #1F5E33; border: 1px solid #C9E2CE; }
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(24px, 4vw, 44px); box-shadow: var(--shadow-sm); }
.hp-field { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-navy-soft); padding-top: clamp(56px, 6vw, 80px); font-size: 0.95rem; }
.site-footer a { color: var(--on-navy-soft); text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.footer__grid { display: grid; grid-template-columns: 1.6fr repeat(4, minmax(0, 1fr)); gap: 40px; padding-bottom: 48px; border-bottom: 1px solid var(--on-navy-line); }
.footer__brand .brand { color: var(--white); margin-bottom: 18px; }
.footer__brand .brand__logo { width: 60px; height: 60px; }
.footer__brand .brand__name .l1 { color: var(--white); font-size: 1rem; }
.footer__brand .brand__name .l2 { color: var(--gold); }
.footer__tagline { font-size: 0.76rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-bottom: 6px; }
.footer__tagline-hi { font-size: 0.95rem; color: var(--on-navy-soft); margin-bottom: 20px; }
.footer__desc { font-size: 0.9rem; max-width: 40ch; color: rgba(255,255,255,0.66); }
.footer__col h3 { font-size: 0.76rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--white); margin-bottom: 18px; }
.footer__col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer__contact { display: grid; gap: 10px; }
.footer__contact a, .footer__contact span { display: block; }
.footer__bottom { padding: 22px 0 calc(22px + env(safe-area-inset-bottom, 0px)); display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 24px; font-size: 0.82rem; color: rgba(255,255,255,0.62); }
.footer__disclosure { padding: 26px 0 0; font-size: 0.82rem; line-height: 1.65; color: rgba(255,255,255,0.62); max-width: 980px; }
.footer__disclosure strong { color: rgba(255,255,255,0.8); font-weight: 600; }
@media (max-width: 1023px) { .footer__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .footer__brand { grid-column: 1 / -1; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: minmax(0, 1fr); gap: 32px; } }

/* ---------- Mobile sticky action bar ---------- */
.sticky-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  display: none; grid-template-columns: 1fr 1fr 1.4fr; gap: 8px;
  padding: 8px 10px calc(8px + env(safe-area-inset-bottom, 0px));
  background: rgba(255,255,255,0.97); border-top: 1px solid var(--line); box-shadow: 0 -6px 24px rgba(10,29,61,0.08);
}
.sticky-bar a {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; border-radius: var(--radius-sm); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  text-decoration: none; color: var(--navy); border: 1.5px solid var(--line-strong); background: var(--white);
}
.sticky-bar a svg { width: 18px; height: 18px; flex: none; }
.sticky-bar a.is-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
@media (max-width: 1023px) {
  .sticky-bar { display: grid; }
  body { padding-bottom: calc(var(--sticky-h) + env(safe-area-inset-bottom, 0px)); }
}

/* ---------- Misc ---------- */
.steps { counter-reset: step; }
.stat { font-family: var(--font-serif); font-weight: 700; font-size: 2.4rem; color: var(--navy); line-height: 1; }
.divider { border: 0; border-top: 1px solid var(--line); margin: 0; }
.mt-0 { margin-top: 0 !important; } .mt-1 { margin-top: 8px !important; } .mt-2 { margin-top: 16px !important; } .mt-3 { margin-top: 24px !important; } .mt-4 { margin-top: 32px !important; } .mt-6 { margin-top: 48px !important; }
.mb-0 { margin-bottom: 0 !important; } .mb-2 { margin-bottom: 16px !important; } .mb-3 { margin-bottom: 24px !important; } .mb-4 { margin-bottom: 32px !important; }
.max-w-prose { max-width: 74ch; }
.icon-16 { width: 16px; height: 16px; }
.icon-20 { width: 20px; height: 20px; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}
@media print {
  .site-header, .sticky-bar, .nav-toggle { display: none !important; }
  body { padding-bottom: 0; }
}

/* =====================================================================
   ENHANCEMENT LAYER — depth, metallic gold, motion
   Colours are drawn from the approved KS logo. Motion is subtle by
   design and fully disabled under prefers-reduced-motion.
   ===================================================================== */

/* ---------- Logo lockup ---------- */
.brand__logo { width: 50px; height: 48px; display: grid; place-items: center; }
.brand__logo img { width: auto; height: 100%; max-width: 100%; object-fit: contain; }
.footer__brand .brand__logo { width: 60px; height: 58px; }
@media (max-width: 1199px) { .brand__logo { width: 44px; height: 42px; } }
@media (max-width: 480px)  { .brand__logo { width: 40px; height: 38px; } }
@media (max-width: 380px)  { .brand__logo { width: 36px; height: 34px; } }
.brand__name .l2 {
  background: var(--gold-metal); -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent;
}
.footer__brand .brand__name .l2 { background: var(--gold-metal); -webkit-background-clip: text; background-clip: text; }

/* ---------- Metallic gold accents ---------- */
.eyebrow::before { background: var(--gold-rule); height: 2px; border-radius: 2px; }
.gold-rule { background: var(--gold-rule); height: 2px; border-radius: 2px; }
.card__accent { background: var(--gold-rule); border-radius: 2px; }
.tagline::before { background: var(--gold-rule); border-radius: 2px; }
.point__num {
  background: var(--gold-metal); -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent;
  font-size: 2.3rem; letter-spacing: -0.02em;
}
.points--light .point__num { background: linear-gradient(135deg, #B8891F 0%, #8A5A18 60%, #6B430F 100%); -webkit-background-clip: text; background-clip: text; }
.stat { background: var(--gold-metal); -webkit-background-clip: text; background-clip: text; color: transparent; -webkit-text-fill-color: transparent; }

/* Gold underline that grows under section headings */
.section-head h2 { position: relative; padding-bottom: 18px; }
.section-head h2::after {
  content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 2px;
  background: var(--gold-rule); border-radius: 2px; transition: width .9s var(--ease) .15s;
}
.section-head--center h2::after { left: 50%; transform: translateX(-50%); }
.is-revealed .section-head h2::after, .section-head.is-revealed h2::after { width: 64px; }
.no-motion .section-head h2::after { width: 64px; transition: none; }

/* ---------- Richer navy sections ---------- */
.bg-navy {
  position: relative;
  background:
    radial-gradient(1100px 520px at 12% -10%, rgba(23, 57, 107, 0.85) 0%, rgba(10, 29, 61, 0) 62%),
    radial-gradient(760px 420px at 92% 108%, rgba(138, 90, 24, 0.20) 0%, rgba(10, 29, 61, 0) 60%),
    linear-gradient(170deg, #0C2348 0%, var(--navy) 46%, #081B36 100%);
  overflow: hidden;
}
.bg-navy::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image: repeating-linear-gradient(135deg, rgba(255,255,255,0.028) 0 1px, transparent 1px 11px);
}
.bg-navy > * { position: relative; z-index: 1; }
.site-footer {
  background:
    radial-gradient(900px 420px at 8% 0%, rgba(19, 49, 95, 0.75) 0%, rgba(6, 21, 39, 0) 60%),
    linear-gradient(180deg, #08203E 0%, var(--navy-deep) 70%);
}
/* hairline of gold where navy meets light */
.bg-navy + .bg-white, .bg-navy + .bg-offwhite, .bg-navy + .bg-neutral { position: relative; }
.bg-navy + .bg-white::before, .bg-navy + .bg-offwhite::before, .bg-navy + .bg-neutral::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent 0%, rgba(212,175,55,0.5) 50%, transparent 100%);
}

/* Warm banding so light sections are not flat */
.bg-offwhite { background: linear-gradient(180deg, #FCFAF5 0%, var(--offwhite) 55%, #F7F4EB 100%); }
.bg-neutral  { background: linear-gradient(180deg, var(--neutral) 0%, var(--neutral-warm) 100%); }

/* ---------- Cards with depth ---------- */
.card {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, #FFFFFF 0%, #FEFDFA 100%);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--gold-rule); transform: scaleX(0); transform-origin: left;
  transition: transform .45s var(--ease);
}
.card:hover, .card:focus-within { transform: translateY(-6px); box-shadow: var(--shadow-lift); border-color: rgba(212,175,55,0.45); }
.card:hover::before, .card:focus-within::before { transform: scaleX(1); }
.card__icon {
  width: 52px; height: 52px; display: grid; place-items: center; border-radius: 12px;
  background: linear-gradient(145deg, rgba(212,175,55,0.14), rgba(10,29,61,0.05));
  border: 1px solid rgba(212,175,55,0.28); color: var(--navy);
  transition: transform .35s var(--ease), background .35s var(--ease);
}
.card__icon svg { width: 26px; height: 26px; }
.card:hover .card__icon { transform: translateY(-2px) scale(1.04); background: linear-gradient(145deg, rgba(212,175,55,0.24), rgba(10,29,61,0.06)); }
.card--navy { background: linear-gradient(160deg, rgba(255,255,255,0.075), rgba(255,255,255,0.03)); backdrop-filter: blur(2px); }
.card--navy .card__icon { background: linear-gradient(145deg, rgba(212,175,55,0.2), rgba(255,255,255,0.04)); border-color: rgba(212,175,55,0.4); }

/* ---------- Educational / knowledge emphasis ---------- */
.kc-card { position: relative; }
.kc-card::after {
  content: ""; position: absolute; right: -28px; top: -28px; width: 96px; height: 96px; border-radius: 50%;
  background: radial-gradient(circle, rgba(212,175,55,0.16) 0%, rgba(212,175,55,0) 70%);
  transition: transform .5s var(--ease); pointer-events: none;
}
.kc-card:hover::after { transform: scale(1.35); }
.article-card .card__kicker {
  /* .card is a column flex container, which blockifies inline-block and
     stretches the chip to full width — align-self keeps it hugging its text. */
  display: inline-block; align-self: flex-start; width: fit-content;
  padding: 5px 11px; border-radius: 999px;
  background: var(--gold-faint); border: 1px solid rgba(212,175,55,0.3); color: var(--gold-deep);
  font-size: 0.66rem; letter-spacing: 0.14em;
}
.article-card:hover { border-color: rgba(212,175,55,0.5); }

/* Notice / callout — the educational highlight */
.notice {
  position: relative; border-left-width: 4px;
  background: linear-gradient(135deg, rgba(212,175,55,0.09) 0%, var(--offwhite) 38%);
  box-shadow: 0 2px 14px rgba(10, 29, 61, 0.05);
}
.notice--navy { background: linear-gradient(135deg, rgba(212,175,55,0.14) 0%, rgba(255,255,255,0.04) 45%); }

/* Key-takeaway block for article prose */
.takeaway {
  position: relative; margin: 2em 0; padding: 26px 28px 26px 30px;
  background: linear-gradient(135deg, rgba(10,29,61,0.04) 0%, rgba(212,175,55,0.08) 100%);
  border: 1px solid rgba(212,175,55,0.34); border-radius: var(--radius);
}
.takeaway::before {
  content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 3px;
  background: var(--gold-rule); border-radius: 3px;
}
.takeaway h3[lang="hi"] { font-size: 0.92rem; font-weight: 700; }
.takeaway h3 {
  display: flex; align-items: center; gap: 10px; margin: 0 0 12px;
  font-size: 0.76rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-deep);
}
.takeaway h3::before {
  content: ""; width: 18px; height: 18px; flex: none;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238A5A18' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><path d='M9 18h6M10 21h4'/><path d='M12 3a6 6 0 0 0-3.5 10.9c.5.4.8 1 .8 1.6h5.4c0-.6.3-1.2.8-1.6A6 6 0 0 0 12 3z'/></svg>") center/contain no-repeat;
}
.takeaway p:last-child, .takeaway ul:last-child { margin-bottom: 0; }
.prose .takeaway li::marker { color: var(--gold-deep); }

/* ---------- Info items & checklist polish ---------- */
.info-item { position: relative; overflow: hidden; transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease); }
.info-item:hover { transform: translateY(-3px); box-shadow: var(--shadow-sm); border-color: rgba(212,175,55,0.42); }
.info-item h3::before { background: var(--gold-rule); border-radius: 2px; }
.checklist li { transition: transform .25s var(--ease); }
.checklist li:hover { transform: translateX(3px); }

/* ---------- Buttons ---------- */
.btn { position: relative; overflow: hidden; }
.btn--gold { background: var(--gold-metal); border-color: transparent; color: #24170A; box-shadow: var(--shadow-gold); }
.btn--gold:hover { background: linear-gradient(135deg, #F7ECBE 0%, #DCBB4C 42%, #C2952A 72%, #96651F 100%); color: #24170A; }
.btn--primary { background: linear-gradient(160deg, var(--navy-rich) 0%, var(--navy) 70%); }
.btn--primary:hover { background: linear-gradient(160deg, var(--navy-lift) 0%, var(--navy-soft) 70%); }
.btn--primary::after, .btn--gold::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0;
  background: linear-gradient(105deg, transparent 38%, rgba(255,255,255,0.32) 50%, transparent 62%);
  transform: translateX(-120%); transition: transform .75s var(--ease), opacity .2s;
}
.btn--primary:hover::after, .btn--gold:hover::after { opacity: 1; transform: translateX(120%); }
.link-arrow { border-bottom-color: transparent; background-image: var(--gold-rule); background-repeat: no-repeat; background-position: 0 100%; background-size: 0% 1.5px; transition: background-size .35s var(--ease), color .2s; }
.link-arrow:hover { background-size: 100% 1.5px; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(620px 420px at 82% 18%, rgba(212,175,55,0.13) 0%, rgba(212,175,55,0) 65%),
    radial-gradient(760px 520px at 6% 92%, rgba(13, 42, 86, 0.08) 0%, rgba(13, 42, 86, 0) 60%);
}
.hero > * { position: relative; z-index: 1; }
.hero__title span:nth-child(2) {
  background: linear-gradient(120deg, #B8891F 0%, #D4AF37 45%, #8A5A18 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent; -webkit-text-fill-color: transparent;
}
.media-frame::before { border-color: rgba(212,175,55,0.65); }
.media-frame__img { box-shadow: var(--shadow-lift); }

/* ---------- Trust strip ---------- */
.trust__item { transition: background .35s var(--ease); }
.trust__item:hover { background: rgba(255,255,255,0.035); }
.trust__icon { transition: transform .35s var(--ease); }
.trust__item:hover .trust__icon { transform: translateY(-2px) scale(1.06); }

/* ---------- CTA band ---------- */
.cta-band__inner { background: linear-gradient(150deg, rgba(255,255,255,0.05) 0%, rgba(255,255,255,0.015) 100%); backdrop-filter: blur(2px); }
.cta-band__inner::before, .cta-band__inner::after { border-color: var(--gold); }

/* ---------- Contact items ---------- */
.contact-item { transition: transform .3s var(--ease), border-color .3s var(--ease), box-shadow .3s var(--ease); }
.contact-item:hover { transform: translateY(-3px); border-color: rgba(212,175,55,0.45); box-shadow: var(--shadow-sm); }
.contact-item__icon { background: linear-gradient(145deg, rgba(212,175,55,0.14), #FFFFFF); border-color: rgba(212,175,55,0.3); }

/* ---------- Header ---------- */
.site-header { border-bottom-color: rgba(212,175,55,0.22); }
.site-header.is-scrolled { box-shadow: 0 1px 0 rgba(212,175,55,0.22), 0 10px 30px rgba(10,29,61,0.09); }
.nav__link { position: relative; }
.nav__link::after {
  content: ""; position: absolute; left: 12px; right: 12px; bottom: 6px; height: 2px;
  background: var(--gold-rule); border-radius: 2px; transform: scaleX(0); transform-origin: left;
  transition: transform .3s var(--ease);
}
.nav__link:hover::after { transform: scaleX(1); }
.nav__link[aria-current="page"] { border-bottom-color: transparent; color: var(--gold-deep); }
.nav__link[aria-current="page"]::after { transform: scaleX(1); }
@media (max-width: 1199px) {
  .nav__link::after { left: var(--gutter); right: auto; width: 22px; bottom: 10px; }
}

/* ---------- Reading progress ---------- */
.scroll-progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 200; pointer-events: none; background: transparent; }
.scroll-progress span { display: block; height: 100%; width: 0; background: var(--gold-rule); transition: width .1s linear; }
body:not(.page-article):not(.page-legal) .scroll-progress { display: none; }

/* ---------- Scroll reveal ----------
   Elements are ONLY hidden when JS has confirmed it can reveal them again
   (html.js-reveal). Without JS, with an old browser, or under
   prefers-reduced-motion, everything renders normally and visibly. */
.js-reveal [data-reveal]:not(.is-revealed) { opacity: 0; transform: translateY(26px); }
.js-reveal [data-reveal][data-reveal="left"]:not(.is-revealed)  { transform: translateX(-28px); }
.js-reveal [data-reveal][data-reveal="right"]:not(.is-revealed) { transform: translateX(28px); }
.js-reveal [data-reveal][data-reveal="scale"]:not(.is-revealed) { transform: scale(0.965); }
.js-reveal [data-reveal-stagger]:not(.is-revealed) > * { opacity: 0; transform: translateY(24px); }
[data-reveal] { transition: opacity .7s var(--ease), transform .7s var(--ease); }
[data-reveal-stagger] > * { transition: opacity .6s var(--ease), transform .6s var(--ease); }
[data-reveal].is-revealed, [data-reveal-stagger].is-revealed > * { opacity: 1; transform: none; }
[data-reveal-stagger].is-revealed > *:nth-child(1) { transition-delay: .04s; }
[data-reveal-stagger].is-revealed > *:nth-child(2) { transition-delay: .12s; }
[data-reveal-stagger].is-revealed > *:nth-child(3) { transition-delay: .20s; }
[data-reveal-stagger].is-revealed > *:nth-child(4) { transition-delay: .28s; }
[data-reveal-stagger].is-revealed > *:nth-child(5) { transition-delay: .36s; }
[data-reveal-stagger].is-revealed > *:nth-child(6) { transition-delay: .44s; }
.no-motion [data-reveal], .no-motion [data-reveal-stagger] > * { opacity: 1 !important; transform: none !important; transition: none !important; }

/* Count-up figure */
.count-up { font-variant-numeric: tabular-nums; }

/* ---------- Sticky bar / misc polish ---------- */
.sticky-bar { background: rgba(255,255,255,0.975); backdrop-filter: blur(8px); border-top-color: rgba(212,175,55,0.3); }
.sticky-bar a.is-primary { background: linear-gradient(160deg, var(--navy-rich), var(--navy)); }
.founder__exp { background: linear-gradient(135deg, rgba(212,175,55,0.10), var(--offwhite) 60%); border-left-width: 3px; }
.chips li { transition: border-color .25s var(--ease), transform .25s var(--ease); }
.chips li:hover { border-color: rgba(212,175,55,0.55); transform: translateY(-2px); }
.quote { border-left-width: 3px; }
.quote::before {
  content: "“"; position: absolute; left: 14px; top: -14px; font-family: var(--font-serif);
  font-size: 4rem; line-height: 1; color: rgba(212,175,55,0.22); pointer-events: none;
}
.cat-nav a { transition: border-color .25s var(--ease), color .25s var(--ease), transform .25s var(--ease), background .25s var(--ease); }
.cat-nav a:hover { transform: translateY(-2px); background: var(--gold-faint); }
.form-card { background: linear-gradient(180deg, #FFFFFF 0%, #FEFDF9 100%); border-color: rgba(212,175,55,0.28); box-shadow: var(--shadow-md); }
.field__input:focus, .field__select:focus, .field__textarea:focus { box-shadow: 0 0 0 3px rgba(212,175,55,0.22); }

@media (prefers-reduced-motion: reduce) {
  [data-reveal], [data-reveal-stagger] > * { opacity: 1 !important; transform: none !important; }
  .section-head h2::after { width: 64px !important; }
  .card::before { transform: scaleX(1); }
}

/* ---------- Media placeholder: elegant, not a dead grey box ---------- */
.ph {
  background:
    radial-gradient(420px 300px at 70% 18%, rgba(212,175,55,0.13) 0%, rgba(212,175,55,0) 62%),
    repeating-linear-gradient(135deg, transparent 0 16px, rgba(10,29,61,0.022) 16px 17px),
    linear-gradient(160deg, #FBF9F3 0%, var(--neutral) 58%, #EAE6DA 100%);
  border: 1px dashed rgba(138, 90, 24, 0.45);
}
.ph__icon {
  width: 46px; height: 46px; padding: 10px; border-radius: 50%;
  background: linear-gradient(145deg, rgba(212,175,55,0.2), rgba(255,255,255,0.75));
  border: 1px solid rgba(212,175,55,0.4); color: var(--gold-deep); opacity: 1;
}

/* ---------- Floating credential badges over media ---------- */
.media-frame { --badge-offset: -26px; }
.badge-float {
  position: absolute; z-index: 3; display: flex; align-items: center; gap: 12px;
  padding: 14px 18px; border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.94); backdrop-filter: blur(10px);
  border: 1px solid rgba(212, 175, 55, 0.42); box-shadow: var(--shadow-lift);
  max-width: 236px;
}
.badge-float--br { right: var(--badge-offset); bottom: 28px; }
.badge-float--tl { left: var(--badge-offset); top: 30px; }
.badge-float__icon {
  flex: none; width: 40px; height: 40px; display: grid; place-items: center; border-radius: 10px;
  background: linear-gradient(145deg, rgba(212,175,55,0.2), rgba(10,29,61,0.05));
  border: 1px solid rgba(212,175,55,0.35); color: var(--navy);
}
.badge-float__icon svg { width: 20px; height: 20px; }
.badge-float > span:last-child { display: block; min-width: 0; }
.badge-float__num {
  display: block; font-family: var(--font-serif); font-weight: 700; font-size: 1.55rem; line-height: 1.05;
  background: var(--gold-metal); -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent;
}
.badge-float__label { display: block; font-size: 0.66rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); line-height: 1.4; margin-top: 4px; }
.badge-float__title { display: block; font-size: 0.88rem; font-weight: 700; color: var(--navy); letter-spacing: 0.01em; line-height: 1.25; }
@media (max-width: 900px) {
  .media-frame { --badge-offset: -12px; }
  .badge-float { padding: 11px 14px; max-width: 220px; }
  .badge-float__num { font-size: 1.25rem; }
}
@media (max-width: 560px) {
  .media-frame { --badge-offset: 8px; }
  .badge-float--tl { top: 12px; }
  .badge-float--br { bottom: 12px; }
  .badge-float { padding: 9px 12px; gap: 9px; max-width: 190px; }
  .badge-float__icon { width: 32px; height: 32px; }
  .badge-float__icon svg { width: 16px; height: 16px; }
  .badge-float__label { font-size: 0.62rem; letter-spacing: 0.07em; }
  .badge-float__title { font-size: 0.75rem; }
}

/* ---------- Scroll cue under the hero ---------- */
.scroll-cue {
  display: inline-flex; align-items: center; gap: 10px; margin-top: 38px;
  font-size: 0.7rem; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--muted); text-decoration: none; background: none; border: 0;
}
.scroll-cue:hover { color: var(--gold-deep); }
.scroll-cue__dot {
  width: 26px; height: 40px; border: 1.5px solid rgba(138,90,24,0.45); border-radius: 14px;
  position: relative; flex: none;
}
.scroll-cue__dot::after {
  content: ""; position: absolute; left: 50%; top: 8px; width: 4px; height: 8px; margin-left: -2px;
  border-radius: 2px; background: var(--gold-deep); animation: cue 1.9s var(--ease) infinite;
}
@keyframes cue { 0% { transform: translateY(0); opacity: 1 } 70% { transform: translateY(14px); opacity: 0 } 100% { transform: translateY(0); opacity: 0 } }
@media (prefers-reduced-motion: reduce) { .scroll-cue__dot::after { animation: none; } }
@media (max-width: 900px) { .scroll-cue { display: none; } }

/* ---------- Founder: floating experience badge ---------- */
.founder-badge {
  position: absolute; right: -24px; bottom: 44px; z-index: 3;
  display: grid; gap: 2px; padding: 18px 22px; border-radius: var(--radius); text-align: center;
  background: linear-gradient(160deg, var(--navy-rich), var(--navy));
  border: 1px solid rgba(212,175,55,0.5); box-shadow: var(--shadow-lift);
}
.founder-badge__num { font-family: var(--font-serif); font-weight: 700; font-size: 2.1rem; line-height: 1; background: var(--gold-metal); -webkit-background-clip: text; background-clip: text; color: transparent; -webkit-text-fill-color: transparent; }
.founder-badge__label { font-size: 0.64rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.82); }
@media (max-width: 900px) { .founder-badge { right: -10px; bottom: 20px; padding: 14px 18px; } .founder-badge__num { font-size: 1.7rem; } }
@media (max-width: 560px) { .founder-badge { right: 10px; bottom: 12px; padding: 11px 14px; } .founder-badge__num { font-size: 1.4rem; } .founder-badge__label { font-size: 0.56rem; } }

/* ---------- Knowledge-centre cards: numbered, editorial ---------- */
.kc-card { padding-top: 30px; }
.kc-card .card__title { display: flex; align-items: center; gap: 12px; }
.kc-card__idx {
  font-family: var(--font-serif); font-weight: 700; font-size: 0.95rem; line-height: 1;
  width: 32px; height: 32px; flex: none; display: grid; place-items: center; border-radius: 50%;
  background: linear-gradient(145deg, rgba(212,175,55,0.18), rgba(10,29,61,0.04));
  border: 1px solid rgba(212,175,55,0.35); color: var(--gold-deep);
  -webkit-text-fill-color: var(--gold-deep);
}

/* ---------- Section eyebrow with index, used on navy ---------- */
.section-head .eyebrow { margin-bottom: 16px; }

/* ---------- Card rhythm: tighter, better grouped ---------- */
.card { padding: 30px 28px 28px; }
.card__icon { margin-bottom: 18px; }
.card__accent { width: 34px; margin-bottom: 14px; }
.card__title { margin-bottom: 6px; }
.card__sub { margin-bottom: 12px; }
.card__text { margin-bottom: 20px; }
.kc-card .card__title { font-size: 0.95rem; letter-spacing: 0.08em; line-height: 1.35; }
.kc-card .card__accent { display: none; }
.kc-card__idx { font-size: 0.85rem; width: 30px; height: 30px; }

/* =====================================================================
   NAVY HEADER — dark, premium masthead
   Everything that sat on white in the header is re-tuned for navy here.
   ===================================================================== */
.site-header {
  background:
    radial-gradient(760px 220px at 12% 0%, rgba(23, 57, 107, 0.9) 0%, rgba(10, 29, 61, 0) 70%),
    linear-gradient(180deg, #0C2348 0%, var(--navy) 100%);
  border-bottom: 1px solid rgba(212, 175, 55, 0.3);
  backdrop-filter: none;
}
/* gold hairline along the bottom edge */
.site-header::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 1px;
  background: linear-gradient(90deg, transparent 0%, rgba(212,175,55,0.65) 22%, rgba(212,175,55,0.65) 78%, transparent 100%);
  pointer-events: none;
}
.site-header.is-scrolled {
  background: linear-gradient(180deg, #0A2142 0%, #08203C 100%);
  box-shadow: 0 10px 34px rgba(6, 18, 36, 0.28);
}

.site-header .brand,
.site-header .brand:hover { color: var(--white); }
.site-header .brand__name .l1 { color: var(--white); }

.site-header .nav__link { color: rgba(255, 255, 255, 0.88); border-bottom-color: transparent; }
.site-header .nav__link:hover { color: var(--gold); }
.site-header .nav__link[aria-current="page"] { color: var(--gold); }

.site-header .nav-toggle { color: var(--white); border-color: rgba(255, 255, 255, 0.28); }
.site-header .nav-toggle:hover { border-color: var(--gold); color: var(--gold); }

/* CTA now reads as gold-on-navy so it stays the loudest thing in the bar */
.site-header .header__cta {
  background: var(--gold-metal); border-color: transparent; color: #23170A;
  box-shadow: 0 6px 18px rgba(138, 90, 24, 0.3);
}
.site-header .header__cta:hover { background: linear-gradient(135deg, #F7ECBE 0%, #DCBB4C 42%, #C2952A 72%, #96651F 100%); color: #23170A; }

/* focus ring must be visible against navy */
.site-header :focus-visible { outline-color: var(--gold); }

/* Mobile drop-down panel goes dark to match */
@media (max-width: 1199px) {
  .site-header .nav {
    background: linear-gradient(180deg, #0A2142 0%, #071B34 100%);
    border-bottom: 1px solid rgba(212, 175, 55, 0.3);
    box-shadow: 0 18px 40px rgba(6, 18, 36, 0.4);
  }
  .site-header .nav__link { border-bottom-color: rgba(255, 255, 255, 0.1); }
  .site-header .nav__link[aria-current="page"] { border-left-color: var(--gold); border-bottom-color: rgba(255,255,255,0.1); }
}

/* The hero sat directly under a white bar; give it air under a dark one */
.hero { padding-top: clamp(64px, 8vw, 116px); }
.page-hero { padding-top: clamp(52px, 6.5vw, 92px); }

/* Reading-progress bar sits on the navy bar now — keep it bright */
.scroll-progress { background: rgba(255, 255, 255, 0.08); }

/* A navy section immediately after the navy header would merge into it */
.site-header + main > .bg-navy:first-child,
.site-header + main > .page-hero--navy:first-child { border-top: 1px solid rgba(212, 175, 55, 0.22); }

/* =====================================================================
   FOUNDATION REFINEMENT — warmer paper, deeper ink, stronger type scale
   ===================================================================== */
:root {
  --offwhite: #FAF7EF;          /* warmer parchment */
  --neutral: #F2EFE5;
  --neutral-warm: #EBE6D8;
  --ink: #141B29;               /* deeper ink for long text */
  --muted: #566073;
  --line: #E4DED0;
  --line-strong: #CBC3AE;
  --peacock: #14624A;           /* logo's feather green — Knowledge Centre only */
  --peacock-deep: #0E4737;
  --peacock-soft: rgba(20, 98, 74, 0.09);
  --peacock-line: rgba(20, 98, 74, 0.28);
}

/* Playfair earns its keep: every section heading, not just the hero */
.section-head h2,
.cta-band h2,
.trust__head h2 { font-family: var(--font-serif); font-weight: 700; letter-spacing: -0.005em; }
.section-head h2 { font-size: clamp(1.9rem, 3.4vw, 3rem); line-height: 1.12; }
.section-head h2:lang(hi) { font-family: var(--font-sans); font-weight: 600; letter-spacing: 0; line-height: 1.35; }
.trust__head h2 { font-family: var(--font-sans); }

/* Ornament helpers */
.ornament { display: block; color: var(--gold); width: 120px; height: 64px; margin: 0 auto 6px; opacity: .85; }
.ornament--left { margin-left: 0; }
.section-head--center .ornament { margin-left: auto; margin-right: auto; }

/* =====================================================================
   HOME PAGE — editorial layout
   Scoped to .page-home so the other pages are untouched for now.
   ===================================================================== */

/* ---- Shared: large faint brand watermark on dark bands ---- */
.motif-wm {
  position: absolute; pointer-events: none; z-index: 0;
  background: url("/assets/img/motif/ks-watermark.png") center / contain no-repeat;
}
.motif-wm--r { right: -60px; top: 50%; transform: translateY(-50%); width: 420px; height: 400px; }
.motif-wm--l { left: -80px; bottom: -60px; width: 360px; height: 345px; }
@media (max-width: 900px) { .motif-wm { display: none; } }

/* ---- HERO: bigger type, image bleeds to the right edge ---- */
.page-home .hero { padding-block: clamp(72px, 9vw, 132px) clamp(64px, 8vw, 116px); }
/* Two columns only above the mobile breakpoint. Scoping this inside the
   media query matters: `.page-home .hero__grid` outranks the plain
   `.hero__grid` single-column rule on specificity, so without the guard it
   would keep the hero two-up on phones. */
@media (min-width: 901px) {
  .page-home .hero__grid { grid-template-columns: minmax(0, 1.02fr) minmax(0, 1fr); gap: clamp(32px, 5vw, 64px); }
}
@media (max-width: 900px) {
  .page-home .hero__grid { grid-template-columns: minmax(0, 1fr); gap: 34px; }
}
.page-home .hero__title { font-size: clamp(2.7rem, 6.2vw, 5.1rem); line-height: 1.02; letter-spacing: -0.022em; }
.page-home .hero__hindi { font-size: clamp(1.1rem, 1.7vw, 1.38rem); }
@media (min-width: 1100px) {
  /* let the hero image run past the container toward the viewport edge */
  .page-home .hero { overflow: visible; }
  .page-home .hero__media { margin-right: calc((100vw - min(100vw, var(--container))) / -2 - 8px); }
  .page-home .hero__media .media-frame__img { border-top-right-radius: 0; border-bottom-right-radius: 0; }
  .page-home .hero__media.media-frame::before { right: -6px; }
}

/* ---- OUR SERVICES: numbered editorial rows, not a card grid ---- */
.svc-list { border-top: 1px solid var(--line); margin-top: clamp(28px, 4vw, 44px); }
.svc {
  position: relative; display: grid; align-items: center;
  grid-template-columns: 112px minmax(0, 1fr) minmax(0, 1.05fr) auto;
  gap: 28px; padding: clamp(24px, 3vw, 38px) 8px;
  border-bottom: 1px solid var(--line); text-decoration: none; color: inherit;
  transition: background .35s var(--ease), padding .35s var(--ease);
}
.svc::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: var(--gold-rule); transform: scaleY(0); transform-origin: top;
  transition: transform .4s var(--ease);
}
.svc:hover, .svc:focus-visible { background: linear-gradient(90deg, rgba(212,175,55,0.07) 0%, rgba(212,175,55,0) 62%); }
.svc:hover::before, .svc:focus-visible::before { transform: scaleY(1); }
.svc__num {
  font-family: var(--font-serif); font-weight: 700; font-size: clamp(2.6rem, 4.6vw, 4rem); line-height: 1;
  background: linear-gradient(140deg, #D9B84A 0%, #B8891F 55%, #8A5A18 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent; -webkit-text-fill-color: transparent;
  transition: transform .4s var(--ease);
}
.svc:hover .svc__num { transform: translateX(5px); }
.svc__title { font-family: var(--font-serif); font-size: clamp(1.4rem, 2.1vw, 1.9rem); font-weight: 700; color: var(--navy); margin: 0 0 4px; line-height: 1.16; }
.svc__sub { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: var(--gold-deep); margin: 0; }
.svc__text { color: var(--muted); font-size: 1rem; margin: 0; }
.svc__go {
  width: 52px; height: 52px; flex: none; display: grid; place-items: center; border-radius: 50%;
  border: 1.5px solid var(--line-strong); color: var(--navy);
  transition: background .3s var(--ease), border-color .3s var(--ease), color .3s var(--ease), transform .3s var(--ease);
}
.svc__go svg { width: 20px; height: 20px; }
.svc:hover .svc__go { background: var(--navy); border-color: var(--navy); color: var(--white); transform: translateX(4px); }
@media (max-width: 1023px) {
  .svc { grid-template-columns: 72px minmax(0, 1fr) auto; gap: 18px 20px; }
  .svc__num { font-size: 2.2rem; }
  .svc__text { grid-column: 2 / -1; margin-top: 4px; }
  .svc__go { width: 44px; height: 44px; }
}
@media (max-width: 560px) {
  .svc { grid-template-columns: 56px minmax(0, 1fr); padding: 22px 4px; }
  .svc__num { font-size: 1.9rem; }
  .svc__go { display: none; }
  .svc__text { grid-column: 1 / -1; }
}

/* ---- VEHICLE FINANCE FEATURE: image bleeds off the left edge ---- */
.page-home .vf-feature { position: relative; overflow: hidden; }
@media (min-width: 1100px) {
  .page-home .vf-feature .split { grid-template-columns: minmax(0, 1.08fr) minmax(0, 1fr); gap: clamp(40px, 5vw, 76px); }
  .page-home .vf-feature .media-frame { margin-left: calc((100vw - min(100vw, var(--container))) / -2 - 8px); }
  .page-home .vf-feature .media-frame__img { border-top-left-radius: 0; border-bottom-left-radius: 0; }
  .page-home .vf-feature .media-frame::before { left: -6px; inset-inline-end: 18px; }
  .page-home .vf-feature .media-frame__img { aspect-ratio: 5 / 4; }
}

/* ---- WHY KS: full-bleed navy, oversized numerals ---- */
.page-home .why { position: relative; }
.why-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; margin-top: clamp(28px, 4vw, 48px); }
.why-item {
  position: relative; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 26px; align-items: start;
  padding: clamp(28px, 3.2vw, 42px) clamp(24px, 3vw, 44px);
  border-top: 1px solid var(--on-navy-line); border-left: 1px solid var(--on-navy-line);
  transition: background .35s var(--ease);
}
.why-item:hover { background: rgba(255, 255, 255, 0.035); }
.why-item:nth-child(odd) { border-left: 0; }
.why-item__num {
  font-family: var(--font-serif); font-weight: 700; font-size: clamp(3.2rem, 5.5vw, 5rem); line-height: .82;
  background: var(--gold-metal); -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent; opacity: .92;
}
.why-item h3 { font-size: 0.92rem; letter-spacing: 0.15em; text-transform: uppercase; color: var(--white); margin: 6px 0 10px; }
.why-item p { margin: 0; color: var(--on-navy-soft); font-size: 0.99rem; }
/* Tablets kept two columns here; a single column made 721-860px taller than
   the phone layout below it. Stay two-up and just tighten the padding. */
@media (max-width: 860px) {
  .why-item { padding-inline: 20px; gap: 18px; }
  .why-item:nth-child(odd) { padding-left: 0; }
}

/* ---- FOUNDER: portrait sits over a navy plinth ----
   Uses ::after because ::before is already the gold hairline that follows
   any navy section. */
@media (min-width: 1000px) {
  #founder { position: relative; overflow: hidden; }
  #founder::after {
    content: ""; position: absolute; z-index: 0; left: 0; top: 14%; height: 72%; width: 34%;
    background:
      radial-gradient(420px 300px at 20% 30%, rgba(23,57,107,0.95) 0%, rgba(10,29,61,0) 70%),
      linear-gradient(160deg, #0C2348 0%, var(--navy) 100%);
    border-radius: 0 var(--radius) var(--radius) 0;
  }
  #founder .container { position: relative; z-index: 1; }
  /* portrait pushes right so it straddles the plinth edge */
  #founder .media-frame { margin-left: clamp(24px, 5vw, 76px); }
  #founder .media-frame::before { border-color: rgba(212,175,55,0.75); }
}

/* ---- KNOWLEDGE CENTRE: peacock accent marks it as educational ---- */
.page-home .kc { position: relative; background: linear-gradient(180deg, #F7F6F0 0%, #EFF2ED 100%); }
.page-home .kc .eyebrow { color: var(--peacock-deep); }
.page-home .kc .eyebrow::before { background: linear-gradient(90deg, var(--peacock-deep), rgba(20,98,74,0.25)); }
.page-knowledge .section-head h2::after, .page-home .kc .section-head h2::after { background: linear-gradient(90deg, var(--peacock-deep) 0%, rgba(20,98,74,0.3) 100%); }
.page-home .kc .kc-card { border-color: var(--peacock-line); background: linear-gradient(180deg, #FFFFFF 0%, #FAFCFA 100%); }
.page-home .kc .kc-card::before { background: linear-gradient(90deg, var(--peacock-deep), rgba(20,98,74,0.3)); }
.page-home .kc .kc-card::after { background: radial-gradient(circle, rgba(20,98,74,0.12) 0%, rgba(20,98,74,0) 70%); }
.page-home .kc .kc-card:hover { border-color: var(--peacock); }
.page-home .kc .kc-card__idx { background: var(--peacock-soft); border-color: var(--peacock-line); color: var(--peacock-deep); -webkit-text-fill-color: var(--peacock-deep); }
.page-home .kc .link-arrow { color: var(--peacock-deep); background-image: linear-gradient(90deg, var(--peacock-deep), rgba(20,98,74,0.3)); }
.page-knowledge .btn--outline, .page-home .kc .btn--outline { border-color: var(--peacock-deep); color: var(--peacock-deep); }
.page-knowledge .btn--outline:hover, .page-home .kc .btn--outline:hover { background: var(--peacock-deep); border-color: var(--peacock-deep); color: var(--white); }
.kc-flag {
  display: inline-flex; align-items: center; gap: 9px; margin-bottom: 14px;
  padding: 7px 15px; border-radius: 999px; background: var(--peacock-soft);
  border: 1px solid var(--peacock-line); color: var(--peacock-deep);
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase;
}
.kc-flag svg { width: 15px; height: 15px; }

/* ---- CTA: gold gets to be a surface, not a hairline ---- */
.cta-band__inner {
  background:
    radial-gradient(520px 260px at 50% 0%, rgba(212,175,55,0.2) 0%, rgba(212,175,55,0) 68%),
    linear-gradient(150deg, rgba(255,255,255,0.06) 0%, rgba(255,255,255,0.015) 100%);
  border-color: rgba(212,175,55,0.6);
}
.cta-band h2 { font-size: clamp(2.1rem, 3.9vw, 3.2rem); }

/* Bleeding elements must never create a horizontal scrollbar.
   `clip` (not `hidden`) so the sticky header still works. */
html { overflow-x: clip; }
body { overflow-x: clip; }

/* =====================================================================
   REFINEMENT PASS — texture, depth, corrected ornament, sharper type
   ===================================================================== */

/* ---- Paper grain: barely-there tactility on light surfaces ---- */
.bg-offwhite, .bg-neutral, .kc {
  background-image:
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='140' height='140'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='3' stitchTiles='stitch'/><feColorMatrix type='saturate' values='0'/></filter><rect width='140' height='140' filter='url(%23n)' opacity='0.035'/></svg>"),
    var(--_bg, none);
  background-repeat: repeat, no-repeat;
  background-size: 140px 140px, cover;
}
.bg-offwhite { --_bg: linear-gradient(180deg, #FCFAF4 0%, var(--offwhite) 55%, #F6F2E8 100%); }
.bg-neutral  { --_bg: linear-gradient(180deg, var(--neutral) 0%, var(--neutral-warm) 100%); }

/* ---- Ornament watermark: monochrome, contained, never cropped oddly ---- */
.motif-wm {
  background-image: url("/assets/img/motif/ornament.svg");
  background-position: center; background-size: contain; background-repeat: no-repeat;
  opacity: .085; filter: none;
}
.motif-wm--r { right: 2%; top: 50%; transform: translateY(-50%); width: 340px; height: 340px; }
.motif-wm--l { left: 2%; bottom: auto; top: 50%; transform: translateY(-50%) scaleX(-1); width: 300px; height: 300px; }
@media (max-width: 1100px) { .motif-wm { display: none; } }

/* ---- Typography: tighter optics at display sizes ---- */
.hero__title, .section-head h2, .cta-band h2, .founder__name, .svc__title {
  font-feature-settings: "kern" 1, "liga" 1;
  text-wrap: balance;
}
.section-head h2 { letter-spacing: -0.018em; }
.hero__title { letter-spacing: -0.028em; }
.lead { font-size: 1.1rem; line-height: 1.68; }
.eyebrow { font-size: 0.74rem; letter-spacing: 0.2em; }

/* ---- Cards: real depth, gold corner, smoother lift ---- */
.card {
  border-radius: 14px;
  box-shadow: 0 1px 2px rgba(10,29,61,.04), 0 6px 18px rgba(10,29,61,.05);
}
.card::after {
  content: ""; position: absolute; right: 0; top: 0; width: 46px; height: 46px; pointer-events: none;
  background: linear-gradient(225deg, rgba(212,175,55,.18) 0%, rgba(212,175,55,0) 62%);
  opacity: 0; transition: opacity .4s var(--ease);
}
.card:hover::after, .card:focus-within::after { opacity: 1; }
.card:hover, .card:focus-within {
  transform: translateY(-7px);
  box-shadow: 0 10px 22px rgba(10,29,61,.09), 0 26px 56px rgba(10,29,61,.13);
}

/* ---- Trust strip: denser, bigger badges, less dead air ---- */
.trust { padding-block: clamp(56px, 6vw, 84px); }
.trust__head { margin-bottom: clamp(30px, 3.4vw, 44px); }
.trust__head h2 {
  font-size: 1.02rem; letter-spacing: 0.26em; color: var(--gold);
  display: inline-flex; align-items: center; gap: 20px;
}
.trust__head h2::before, .trust__head h2::after {
  content: ""; width: clamp(28px, 6vw, 72px); height: 1px;
  background: linear-gradient(90deg, transparent, rgba(212,175,55,.85));
}
.trust__head h2::after { background: linear-gradient(90deg, rgba(212,175,55,.85), transparent); }
.trust__grid { border: 0; }
.trust__item { padding: 30px 28px; border-left: 1px solid var(--on-navy-line); border-radius: 12px; }
.trust__icon {
  width: 54px; height: 54px; padding: 13px; border-radius: 50%;
  border: 1px solid rgba(212,175,55,.45);
  background: radial-gradient(circle at 34% 28%, rgba(212,175,55,.26), rgba(212,175,55,.05));
  color: var(--gold); transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.trust__item:hover .trust__icon { transform: translateY(-3px) scale(1.06); box-shadow: 0 10px 24px rgba(212,175,55,.22); }
.trust__item h3 { font-size: 0.88rem; letter-spacing: 0.16em; margin: 18px 0 9px; }
.trust__item p { font-size: 0.96rem; }

/* ---- Contact tiles: larger, interactive ---- */
.contact-item {
  padding: 26px 26px; border-radius: 14px; gap: 18px; align-items: center;
  background: linear-gradient(160deg, #FFFFFF 0%, var(--offwhite) 100%);
}
.contact-item__icon { width: 50px; height: 50px; }
.contact-item__icon svg { width: 22px; height: 22px; }
.contact-item a, .contact-item span.value { font-size: 1rem; }
.contact-item:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(10,29,61,.1); border-color: rgba(212,175,55,.55); }
.contact-item:hover .contact-item__icon { background: linear-gradient(145deg, rgba(212,175,55,.3), #FFF); }

/* ---- Vehicle feature: no stray frame when the image bleeds ---- */
@media (min-width: 1100px) {
  .page-home .vf-feature .media-frame::before { display: none; }
  .page-home .vf-feature .media-frame__img { box-shadow: 30px 30px 70px rgba(10,29,61,.16); }
  .page-home .hero__media.media-frame::before { display: none; }
  .page-home .hero__media .media-frame__img { box-shadow: -30px 30px 70px rgba(10,29,61,.16); }
}

/* ---- Knowledge Centre: substantial educational cards, peacock identity ---- */
.page-home .kc, .page-knowledge .section, .page-article .kc-scope {
  --_bg: linear-gradient(180deg, #F6F7F2 0%, #ECF1EB 58%, #E7EEE7 100%);
  border-top: 1px solid rgba(20,98,74,.16);
  border-bottom: 1px solid rgba(20,98,74,.16);
}
.kc-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 22px; margin-top: clamp(30px, 4vw, 48px); align-items: stretch; }
@media (max-width: 1080px) { .kc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 620px)  { .kc-grid { grid-template-columns: minmax(0, 1fr); } }

.kc-card2 {
  position: relative; display: flex; flex-direction: column; overflow: hidden;
  padding: 28px 26px 24px; border-radius: 16px; text-decoration: none; color: inherit;
  background: linear-gradient(170deg, #FFFFFF 0%, #FAFDFA 62%, #F3F9F4 100%);
  border: 1px solid rgba(20,98,74,.2);
  box-shadow: 0 1px 2px rgba(14,71,55,.05), 0 8px 22px rgba(14,71,55,.06);
  transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s var(--ease);
}
.kc-card2::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 3px;
  background: linear-gradient(90deg, var(--peacock) 0%, rgba(20,98,74,.25) 100%);
  transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease);
}
.kc-card2:hover, .kc-card2:focus-visible {
  transform: translateY(-8px);
  border-color: rgba(20,98,74,.45);
  box-shadow: 0 14px 28px rgba(14,71,55,.12), 0 30px 60px rgba(14,71,55,.14);
}
.kc-card2:hover::before, .kc-card2:focus-visible::before { transform: scaleX(1); }

.kc-card2__top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 18px; }
.kc-card2__icon {
  width: 52px; height: 52px; display: grid; place-items: center; border-radius: 13px; flex: none;
  background: linear-gradient(145deg, rgba(20,98,74,.14), rgba(20,98,74,.03));
  border: 1px solid rgba(20,98,74,.26); color: var(--peacock-deep);
  transition: transform .4s var(--ease), background .4s var(--ease);
}
.kc-card2__icon svg { width: 25px; height: 25px; }
.kc-card2:hover .kc-card2__icon { transform: translateY(-2px) rotate(-4deg); background: linear-gradient(145deg, rgba(20,98,74,.24), rgba(20,98,74,.05)); }
.kc-card2__num { font-family: var(--font-serif); font-weight: 700; font-size: 1.5rem; line-height: 1; color: rgba(20,98,74,.26); }

.kc-card2__title {
  font-family: var(--font-serif); font-size: 1.22rem; font-weight: 700; line-height: 1.22;
  color: var(--navy); margin: 0 0 9px; min-height: 2.44em;
}
.kc-card2__text { font-size: .93rem; color: var(--muted); margin: 0 0 16px; line-height: 1.6; }

.kc-card2__topics { list-style: none; margin: 0 0 20px; padding: 16px 0 0; border-top: 1px dashed rgba(20,98,74,.26); display: grid; gap: 7px; flex: 1; }
.kc-card2__topics li {
  position: relative; padding-left: 16px; font-size: .84rem; color: var(--ink); opacity: .78; line-height: 1.45;
}
.kc-card2__topics li::before {
  content: ""; position: absolute; left: 0; top: .52em; width: 6px; height: 6px; border-radius: 50%;
  background: var(--peacock); opacity: .6;
}

.kc-card2__foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: auto; }
.kc-card2__count { font-size: .7rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--peacock-deep); }
.kc-card2__go {
  width: 38px; height: 38px; flex: none; display: grid; place-items: center; border-radius: 50%;
  border: 1.5px solid rgba(20,98,74,.3); color: var(--peacock-deep);
  transition: background .3s var(--ease), color .3s var(--ease), transform .3s var(--ease), border-color .3s var(--ease);
}
.kc-card2__go svg { width: 17px; height: 17px; }
.kc-card2:hover .kc-card2__go { background: var(--peacock-deep); border-color: var(--peacock-deep); color: #fff; transform: translateX(3px); }

.kc-flag { background: rgba(20,98,74,.1); border-color: rgba(20,98,74,.3); color: var(--peacock-deep); }
.page-knowledge .section-head h2::after, .page-home .kc .section-head h2::after { background: linear-gradient(90deg, var(--peacock) 0%, rgba(20,98,74,.25) 100%); }
.page-knowledge .btn--outline, .page-home .kc .btn--outline { border-color: var(--peacock-deep); color: var(--peacock-deep); }
.page-knowledge .btn--outline:hover, .page-home .kc .btn--outline:hover { background: var(--peacock-deep); border-color: var(--peacock-deep); color: #fff; }

/* ---- Pointer-follow sheen (driven by --mx/--my set in main.js) ---- */
.card, .kc-card2, .svc, .contact-item, .info-item { --mx: 50%; --my: 50%; }
.card > *, .kc-card2 > *, .contact-item > *, .info-item > * { position: relative; z-index: 1; }
.card::before, .kc-card2::before { z-index: 2; }
.card, .kc-card2, .contact-item, .info-item { position: relative; }
.card .sheen, .kc-card2 .sheen { pointer-events: none; }
@media (hover: hover) and (pointer: fine) {
  .card:hover, .kc-card2:hover, .contact-item:hover, .info-item:hover {
    background-image: radial-gradient(420px circle at var(--mx) var(--my), rgba(212,175,55,.12), transparent 60%);
  }
  .kc-card2:hover { background-image: radial-gradient(420px circle at var(--mx) var(--my), rgba(20,98,74,.12), transparent 60%); }
  .svc:hover { background-image: radial-gradient(600px circle at var(--mx) var(--my), rgba(212,175,55,.1), transparent 55%); }
}
.svc__go { transition: background .3s var(--ease), border-color .3s var(--ease), color .3s var(--ease), transform .18s var(--ease); }
.motif-wm { will-change: transform; }
.page-home .hero__media { will-change: transform; }
@media (prefers-reduced-motion: reduce) {
  .motif-wm, .page-home .hero__media { transform: none !important; }
}

/* Title height-matching only matters when cards sit side by side */
@media (max-width: 620px) {
  .kc-card2__title { min-height: 0; margin-bottom: 12px; }
  .kc-card2 { padding: 24px 22px 22px; }
}

/* =====================================================================
   MOBILE PASS — phones are the primary surface for this site
   Tighter rhythm, fewer tall stacks, one swipeable rail.
   ===================================================================== */
@media (max-width: 720px) {
  :root { --section-y: 52px; }
  .section { padding-block: var(--section-y); }
  .section--tight { padding-block: 38px; }

  /* Headings: smaller step-down so they don't eat a whole screen */
  .section-head { margin-bottom: 26px; }
  .section-head h2 { font-size: clamp(1.6rem, 7.2vw, 2.1rem); padding-bottom: 14px; }
  .section-head p { font-size: 1rem; }
  .lead { font-size: 1.02rem; }

  /* Hero */
  .page-home .hero { padding-block: 40px 48px; }
  .page-home .hero__title { font-size: clamp(2.3rem, 11.5vw, 3.1rem); }
  .page-home .hero__hindi { font-size: 1.05rem; }
  .hero__text { font-size: 1rem; }
  .btn-row { gap: 10px; margin-top: 22px; }
  .btn-row .btn { flex: 1 1 100%; }

  /* Trust strip: 2 x 2 instead of a four-deep stack */
  .trust { padding-block: 44px; }
  .trust__head { margin-bottom: 24px; }
  .trust__head h2 { font-size: .82rem; letter-spacing: .18em; gap: 12px; }
  .trust__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 4px; }
  .trust__item { padding: 18px 12px; border-left: 0; border-top: 0; }
  .trust__item:nth-child(n+2) { border-top: 0; }
  .trust__icon { width: 44px; height: 44px; padding: 10px; }
  .trust__item h3 { font-size: .76rem; letter-spacing: .1em; margin: 12px 0 6px; }
  .trust__item p { font-size: .87rem; line-height: 1.5; }

  /* Why KS: 2 x 2, compact */
  .why-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; margin-top: 24px; }
  .why-item { padding: 20px 12px; gap: 12px; grid-template-columns: minmax(0, 1fr); border-left: 0; }
  .why-item:nth-child(n+3) { border-top: 1px solid var(--on-navy-line); }
  .why-item:nth-child(even) { border-left: 1px solid var(--on-navy-line); padding-left: 16px; }
  .why-item__num { font-size: 2.3rem; }
  .why-item h3 { font-size: .78rem; letter-spacing: .1em; margin: 4px 0 7px; }
  .why-item p { font-size: .87rem; line-height: 1.5; }

  /* Founder: tighter, shorter portrait */
  #founder { padding-block: 44px; }
  .founder__name { font-size: 1.9rem; }
  .media-frame--portrait .media-frame__img { aspect-ratio: 5 / 6; }
  .founder__exp { font-size: .96rem; padding: 12px 14px; margin-bottom: 18px; }
  .chips { gap: 7px; margin: 10px 0 20px; }
  .chips li { font-size: .74rem; padding: 6px 11px; }
  .quote { font-size: 1rem; padding-left: 20px; margin-bottom: 20px; }

  /* Contact + CTA */
  .cta-band { padding-block: 48px; }
  .cta-band__inner { padding: 30px 20px; }
  .cta-band h2 { font-size: clamp(1.7rem, 7.6vw, 2.2rem); }
  .cta-band .hi { font-size: 1rem; margin-bottom: 22px; }
  .contact-grid { gap: 10px; margin: 24px 0; }
  .contact-item { padding: 16px 16px; gap: 14px; }
  .contact-item__icon { width: 42px; height: 42px; }

  /* Service rows */
  .svc { padding: 18px 4px; }
  .svc__title { font-size: 1.22rem; }
  .svc__sub { font-size: .68rem; letter-spacing: .12em; }
  .svc__text { font-size: .9rem; }
}

/* ---- Knowledge Centre becomes a swipeable rail on phones ---- */
@media (max-width: 720px) {
  .kc-grid {
    grid-template-columns: none;
    display: flex; gap: 14px; margin-top: 24px;
    overflow-x: auto; overscroll-behavior-x: contain;
    scroll-snap-type: x mandatory; -webkit-overflow-scrolling: touch;
    padding: 4px var(--gutter) 18px; margin-inline: calc(var(--gutter) * -1);
    scrollbar-width: none;
  }
  .kc-grid::-webkit-scrollbar { display: none; }
  .kc-card2 {
    flex: 0 0 82%; max-width: 320px; scroll-snap-align: center;
    padding: 22px 20px 20px;
  }
  .kc-card2__icon { width: 44px; height: 44px; border-radius: 11px; }
  .kc-card2__icon svg { width: 21px; height: 21px; }
  .kc-card2__title { font-size: 1.12rem; }
  .kc-card2__text { font-size: .89rem; margin-bottom: 13px; }
  .kc-card2__topics { padding-top: 13px; margin-bottom: 16px; gap: 6px; }
  .kc-card2__topics li { font-size: .81rem; }
  .kc-card2:hover { transform: none; }        /* no lift inside a scroller */
  .kc-rail-hint {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    margin-top: 2px; font-size: .7rem; font-weight: 700; letter-spacing: .14em;
    text-transform: uppercase; color: var(--peacock-deep); opacity: .75;
  }
  .kc-rail-hint svg { width: 15px; height: 15px; animation: nudge 2.1s var(--ease) infinite; }
  @keyframes nudge { 0%,100% { transform: translateX(0) } 55% { transform: translateX(5px) } }
}
@media (min-width: 721px) { .kc-rail-hint { display: none; } }
@media (prefers-reduced-motion: reduce) { .kc-rail-hint svg { animation: none; } }

/* On phones the header brand sits directly above the hero, so the hero's
   company-name label repeats it word for word. Keep it in the markup (the
   brief specifies the label) but hide it where it reads as a duplicate. */
@media (max-width: 720px) {
  .page-home .hero .eyebrow { display: none; }
  .page-home .hero__title { margin-top: 4px; }
}

/* Tap targets stay at the 44px accessibility minimum even on the narrowest
   phones; the brand lockup gives up the space instead. */
@media (max-width: 480px) {
  .header__cta { min-height: 44px; }
  .nav-toggle { width: 44px; height: 44px; }
}
@media (max-width: 380px) {
  .header__cta { min-height: 44px; padding: 8px 10px; font-size: .62rem; }
  .nav-toggle { width: 44px; height: 44px; }
  .brand__logo { width: 32px; height: 30px; }
  .brand__name .l1 { font-size: .6rem; }
  .brand__name .l2 { font-size: .43rem; }
}

/* 44px is the accessibility floor for a tap target; .btn--sm was 42px,
   which fell short in the tablet range where the compact-phone rules
   no longer apply. */
.btn--sm { min-height: 44px; }

/* =====================================================================
   ROLL-OUT — the home page treatment applied to every remaining page
   ===================================================================== */

/* Numbered points get the same editorial weight as the home page's Why KS */
.point { padding-top: 26px; }
.point__num { font-size: clamp(2.6rem, 4vw, 3.4rem); line-height: .85; margin-bottom: 16px; }
.point h3 { font-size: .88rem; letter-spacing: .15em; }
.points { gap: clamp(24px, 3vw, 40px); }

/* Inner-page heroes: same air and type as home */
.page-hero { position: relative; overflow: hidden; }
.page-hero h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -0.022em; line-height: 1.06; }
.page-hero h1:lang(hi) { font-size: clamp(1.7rem, 3.6vw, 2.6rem); letter-spacing: 0; line-height: 1.35; }
.page-hero .lead { max-width: 62ch; }

/* Split media on inner pages bleeds toward the edge, as on home */
@media (min-width: 1100px) {
  .page-hero--split .media-frame { margin-right: calc((100vw - min(100vw, var(--container))) / -2 - 8px); }
  .page-hero--split .media-frame__img { border-top-right-radius: 0; border-bottom-right-radius: 0; box-shadow: -30px 30px 70px rgba(10,29,61,.16); }
  .page-hero--split .media-frame::before { display: none; }

  .page-personal-loan .split .media-frame,
  .page-business-loan .split .media-frame,
  .page-home-loan .split .media-frame { margin-right: calc((100vw - min(100vw, var(--container))) / -2 - 8px); }
  .page-personal-loan .split .media-frame__img,
  .page-business-loan .split .media-frame__img,
  .page-home-loan .split .media-frame__img { border-top-right-radius: 0; border-bottom-right-radius: 0; box-shadow: -30px 30px 70px rgba(10,29,61,.16); }
  .page-personal-loan .split .media-frame::before,
  .page-business-loan .split .media-frame::before,
  .page-home-loan .split .media-frame::before { display: none; }
}

/* Knowledge Centre index + articles carry the peacock identity */
.page-knowledge .bg-offwhite, .page-knowledge .bg-neutral,
.page-article .bg-offwhite {
  --_bg: linear-gradient(180deg, #F6F7F2 0%, #ECF1EB 58%, #E7EEE7 100%);
}
.page-knowledge .eyebrow, .page-article .article-meta a { color: var(--peacock-deep); }
.page-knowledge .eyebrow::before { background: linear-gradient(90deg, var(--peacock-deep), rgba(20,98,74,.25)); }
.page-knowledge .card, .page-article .card {
  border-color: rgba(20,98,74,.22);
  background: linear-gradient(170deg, #FFFFFF 0%, #FAFDFA 62%, #F3F9F4 100%);
}
.page-knowledge .card::before, .page-article .card::before { background: linear-gradient(90deg, var(--peacock) 0%, rgba(20,98,74,.25) 100%); }
.page-knowledge .card:hover, .page-article .card:hover { border-color: rgba(20,98,74,.45); }
.page-knowledge .card__kicker, .page-article .card__kicker {
  background: rgba(20,98,74,.08); border-color: rgba(20,98,74,.28); color: var(--peacock-deep);
}
.page-knowledge .link-arrow, .page-article .link-arrow {
  color: var(--peacock-deep); background-image: linear-gradient(90deg, var(--peacock-deep), rgba(20,98,74,.3));
}
.page-knowledge .cat-nav a:hover { border-color: var(--peacock); color: var(--peacock-deep); background: rgba(20,98,74,.07); }
.page-article .takeaway { border-color: rgba(20,98,74,.3); background: linear-gradient(135deg, rgba(20,98,74,.06) 0%, rgba(20,98,74,.11) 100%); }
.page-article .takeaway::before { background: linear-gradient(180deg, var(--peacock), rgba(20,98,74,.3)); }
.page-article .takeaway h3 { color: var(--peacock-deep); }
.page-article .takeaway h3::before {
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E4737' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><path d='M9 18h6M10 21h4'/><path d='M12 3a6 6 0 0 0-3.5 10.9c.5.4.8 1 .8 1.6h5.4c0-.6.3-1.2.8-1.6A6 6 0 0 0 12 3z'/></svg>") center/contain no-repeat;
}
.page-article .scroll-progress span { background: linear-gradient(90deg, var(--peacock-deep), var(--peacock)); }

/* Card grids on knowledge pages become a swipe rail on phones, as on home */
@media (max-width: 720px) {
  .page-knowledge .grid--3, .page-article .grid--3 {
    grid-template-columns: none; display: flex; gap: 14px;
    overflow-x: auto; overscroll-behavior-x: contain; scroll-snap-type: x mandatory;
    padding: 4px var(--gutter) 16px; margin-inline: calc(var(--gutter) * -1); scrollbar-width: none;
  }
  .page-knowledge .grid--3::-webkit-scrollbar, .page-article .grid--3::-webkit-scrollbar { display: none; }
  .page-knowledge .grid--3 > *, .page-article .grid--3 > * { flex: 0 0 82%; max-width: 320px; scroll-snap-align: center; }
  .page-knowledge .grid--3 > *:hover, .page-article .grid--3 > *:hover { transform: none; }
}

/* When the hero image bleeds past the viewport edge, a badge pinned to the
   image's right edge goes with it and gets clipped. Pull it back inside. */
@media (min-width: 1100px) {
  .page-home .hero__media .badge-float--br { right: 28px; bottom: 32px; }
  .page-home .hero__media .badge-float--tl { left: 18px; }
}

/* The Why KS grid drew a top rule on every cell and a left rule on the second
   column, but nothing closed the bottom — so the divider between 03 and 04 ran
   into empty space and read as broken. Close the grid. */
.why-grid { border-bottom: 1px solid var(--on-navy-line); }

/* =====================================================================
   INNER PAGES — the editorial system the home page uses
   ===================================================================== */

/* ---- Hero: depth, ornament, and a factual chip row ---- */
.page-hero {
  padding-block: clamp(56px, 7vw, 104px) clamp(48px, 6vw, 84px);
  background-image:
    radial-gradient(560px 380px at 88% 10%, rgba(212,175,55,.13) 0%, rgba(212,175,55,0) 66%),
    radial-gradient(680px 460px at 4% 96%, rgba(13,42,86,.07) 0%, rgba(13,42,86,0) 62%),
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='140' height='140'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='3' stitchTiles='stitch'/><feColorMatrix type='saturate' values='0'/></filter><rect width='140' height='140' filter='url(%23n)' opacity='0.035'/></svg>"),
    linear-gradient(180deg, #FCFAF4 0%, var(--offwhite) 58%, #F6F2E8 100%);
  background-size: auto, auto, 140px 140px, cover;
  background-repeat: no-repeat, no-repeat, repeat, no-repeat;
  border-bottom: 1px solid var(--line);
}
.page-hero::after {
  content: ""; position: absolute; right: -40px; top: 50%; transform: translateY(-50%);
  width: 300px; height: 300px; opacity: .07; pointer-events: none;
  background: url("/assets/img/motif/ornament.svg") center / contain no-repeat;
}
@media (max-width: 1023px) { .page-hero::after { display: none; } }
.page-hero--split::after { display: none; }
.page-hero .breadcrumb { margin-bottom: 22px; }

/* Factual chips under the hero buttons */
.hero-facts { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 30px; list-style: none; padding: 0; }
.hero-facts li {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 9px 16px; border-radius: 999px;
  background: rgba(255,255,255,.72); border: 1px solid var(--line-strong);
  font-size: .78rem; font-weight: 600; letter-spacing: .04em; color: var(--navy);
}
.hero-facts li::before {
  content: ""; width: 7px; height: 7px; border-radius: 50%; flex: none;
  background: var(--gold-metal);
}
@media (max-width: 560px) { .hero-facts li { font-size: .72rem; padding: 8px 13px; } }

/* ---- Quiet cards get editorial numerals, no markup needed ---- */
.grid:has(.card--quiet) { counter-reset: quiet; }
.card--quiet { counter-increment: quiet; padding-top: 30px; }
.card--quiet .card__accent { display: none; }
.card--quiet::before {
  content: counter(quiet, decimal-leading-zero);
  position: absolute; top: 20px; right: 24px; z-index: 2;
  font-family: var(--font-serif); font-weight: 700; font-size: 1.5rem; line-height: 1;
  color: rgba(138,90,24,.28); transform: none; background: none;
  transition: color .35s var(--ease);
}
.card--quiet:hover::before { color: rgba(138,90,24,.55); }
.card--quiet .card__title { font-family: var(--font-serif); font-size: 1.18rem; padding-right: 42px; }
.card--quiet .card__text { margin-bottom: 0; }

/* ---- "Before you take a loan" becomes the page's dark moment ---- */
.facts-band { position: relative; }
.facts-band .info-grid { counter-reset: fact; margin-top: clamp(26px, 3vw, 40px); gap: 0; border-top: 1px solid var(--on-navy-line); border-bottom: 1px solid var(--on-navy-line); }
.facts-band .info-item {
  counter-increment: fact; position: relative; background: none; border: 0; border-radius: 0;
  border-left: 1px solid var(--on-navy-line);
  padding: clamp(26px, 3vw, 38px) clamp(22px, 2.6vw, 36px);
  display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 22px; align-items: start;
}
.facts-band .info-item:nth-child(odd) { border-left: 0; }
.facts-band .info-item:nth-child(n+3) { border-top: 1px solid var(--on-navy-line); }
.facts-band .info-item::before {
  content: counter(fact, decimal-leading-zero);
  font-family: var(--font-serif); font-weight: 700; font-size: clamp(2.4rem, 3.6vw, 3.2rem); line-height: .85;
  background: var(--gold-metal); -webkit-background-clip: text; background-clip: text;
  color: transparent; -webkit-text-fill-color: transparent; opacity: .92;
}
.facts-band .info-item:hover { background: rgba(255,255,255,.035); }
.facts-band .info-item h3 { color: var(--white); font-size: .88rem; letter-spacing: .15em; margin: 4px 0 9px; }
.facts-band .info-item h3::before { display: none; }
.facts-band .info-item p { color: var(--on-navy-soft); font-size: .97rem; }
@media (max-width: 720px) {
  .facts-band .info-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .facts-band .info-item { padding: 20px 12px; gap: 12px; grid-template-columns: minmax(0, 1fr); }
  .facts-band .info-item:nth-child(even) { border-left: 1px solid var(--on-navy-line); padding-left: 16px; }
  .facts-band .info-item::before { font-size: 2.2rem; }
  .facts-band .info-item h3 { font-size: .76rem; letter-spacing: .1em; }
  .facts-band .info-item p { font-size: .87rem; }
}

/* The numeral, heading and text are three separate grid children, so without
   explicit placement the heading and paragraph land in different columns.
   Pin the numeral to column 1 spanning both rows, and stack the text in column 2. */
.facts-band .info-item::before { grid-column: 1; grid-row: 1 / span 2; }
.facts-band .info-item h3 { grid-column: 2; grid-row: 1; display: block; }
.facts-band .info-item p  { grid-column: 2; grid-row: 2; }
@media (max-width: 720px) {
  .facts-band .info-item::before { grid-column: 1; grid-row: 1; }
  .facts-band .info-item h3 { grid-column: 1; grid-row: 2; }
  .facts-band .info-item p  { grid-column: 1; grid-row: 3; }
}

/* gap applied to rows too, which opened a gulf between heading and text */
.facts-band .info-item { column-gap: 24px; row-gap: 6px; align-content: start; }
@media (max-width: 720px) { .facts-band .info-item { row-gap: 8px; } }

/* =====================================================================
   HERO BAND COLOUR FIX
   The inner-page hero slid from cream into a grey-beige (#F6F2E8) and a
   navy radial wash desaturated it further, so the band under the royal-blue
   header read as dull. Keep it luminous: a warm cream that stays light, a
   single gold glow, and lighter grain.
   ===================================================================== */
.page-hero {
  background-image:
    radial-gradient(620px 420px at 86% 6%, rgba(212,175,55,.17) 0%, rgba(212,175,55,0) 64%),
    radial-gradient(520px 340px at 8% 100%, rgba(212,175,55,.09) 0%, rgba(212,175,55,0) 60%),
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='140' height='140'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='3' stitchTiles='stitch'/><feColorMatrix type='saturate' values='0'/></filter><rect width='140' height='140' filter='url(%23n)' opacity='0.022'/></svg>"),
    linear-gradient(180deg, #FFFDF9 0%, #FDFAF2 52%, #FAF5EA 100%);
  border-bottom: 1px solid rgba(212,175,55,.26);
}

/* Knowledge pages get a fresh mint-cream instead of the muddy green-grey */
.page-knowledge .page-hero, .page-article .page-hero {
  background-image:
    radial-gradient(620px 420px at 86% 6%, rgba(20,98,74,.13) 0%, rgba(20,98,74,0) 64%),
    radial-gradient(520px 340px at 8% 100%, rgba(20,98,74,.07) 0%, rgba(20,98,74,0) 60%),
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='140' height='140'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='3' stitchTiles='stitch'/><feColorMatrix type='saturate' values='0'/></filter><rect width='140' height='140' filter='url(%23n)' opacity='0.02'/></svg>"),
    linear-gradient(180deg, #FDFFFD 0%, #F6FBF7 54%, #EFF7F1 100%);
  border-bottom: 1px solid rgba(20,98,74,.2);
}
.page-knowledge .page-hero::after, .page-article .page-hero::after {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 400 400' fill='none'><g stroke='%23146249' stroke-width='1.15' stroke-linecap='round'><path d='M200 392 V70'/><path d='M200 350 C160 326 132 292 114 244'/><path d='M200 350 C240 326 268 292 286 244'/><path d='M200 300 C166 278 142 248 128 208'/><path d='M200 300 C234 278 258 248 272 208'/><path d='M200 252 C172 232 152 206 141 174'/><path d='M200 252 C228 232 248 206 259 174'/><path d='M200 204 C178 188 163 166 155 141'/><path d='M200 204 C222 188 237 166 245 141'/></g><ellipse cx='200' cy='52' rx='26' ry='34' stroke='%23146249' stroke-width='1.6'/></svg>");
  opacity: .09;
}

/* Knowledge body sections: lighten the same grey-green to a clean mint */
.page-knowledge .bg-offwhite, .page-knowledge .bg-neutral, .page-article .bg-offwhite {
  --_bg: linear-gradient(180deg, #FAFDFB 0%, #F3F9F4 58%, #EDF5EF 100%);
}

/* =====================================================================
   NAVIGATION — Services becomes a hub with a dropdown
   ===================================================================== */
.nav__group { position: relative; display: inline-flex; }
.nav__link--parent { display: inline-flex; align-items: center; gap: 6px; }
.nav__caret { width: 13px; height: 13px; transition: transform .25s var(--ease); opacity: .8; }
.nav__group:hover .nav__caret,
.nav__group:focus-within .nav__caret { transform: rotate(180deg); }

.nav__menu {
  position: absolute; top: 100%; left: 0; min-width: 272px; z-index: 40;
  display: grid; padding: 10px; border-radius: 14px;
  background: linear-gradient(180deg, #0B2244 0%, #08203C 100%);
  border: 1px solid rgba(212,175,55,.34);
  box-shadow: 0 20px 48px rgba(4, 14, 30, .45);
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: opacity .22s var(--ease), transform .22s var(--ease), visibility .22s;
}
.nav__group:hover .nav__menu,
.nav__group:focus-within .nav__menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav__menu a {
  display: grid; gap: 2px; padding: 11px 14px; border-radius: 9px; text-decoration: none;
  font-size: .82rem; font-weight: 600; letter-spacing: .04em; color: rgba(255,255,255,.92);
  transition: background .2s var(--ease), color .2s var(--ease);
}
.nav__menu a span {
  font-size: .72rem; font-weight: 500; letter-spacing: 0; text-transform: none;
  color: rgba(255,255,255,.55);
}
.nav__menu a:hover, .nav__menu a:focus-visible { background: rgba(212,175,55,.14); color: var(--gold); }
.nav__menu a:hover span, .nav__menu a:focus-visible span { color: rgba(255,255,255,.75); }
.nav__menu-all { margin-top: 4px; border-top: 1px solid rgba(255,255,255,.12); border-radius: 0 0 9px 9px; padding-top: 13px; }

/* Mobile: the dropdown flattens into the drawer as an indented list */
@media (max-width: 1199px) {
  .nav__group { display: block; }
  .nav__link--parent { width: 100%; justify-content: space-between; }
  .nav__menu {
    position: static; opacity: 1; visibility: visible; transform: none;
    min-width: 0; border: 0; border-radius: 0; box-shadow: none; padding: 0;
    background: rgba(0,0,0,.18);
  }
  .nav__menu a { padding: 13px var(--gutter) 13px calc(var(--gutter) + 18px); border-radius: 0; font-size: .82rem; border-bottom: 1px solid rgba(255,255,255,.07); }
  .nav__menu a:last-child { border-bottom: 0; }
  .nav__caret { display: none; }
}

/* centred eyebrow for pointer blocks */
.eyebrow--center { justify-content: center; }

/* Founder vision pull-quote on the About page */
.vision-quote {
  position: relative; margin: 0; padding: 8px 0 8px 32px;
  border-left: 3px solid var(--gold);
  font-family: var(--font-serif); font-size: clamp(1.25rem, 2.3vw, 1.85rem);
  line-height: 1.5; color: var(--white); max-width: 46ch;
}
.vision-quote:lang(hi) { font-family: var(--font-sans); font-weight: 500; line-height: 1.65; }
.vision-quote cite {
  display: block; margin-top: 18px; font-family: var(--font-sans); font-style: normal;
  font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold);
}
@media (max-width: 720px) { .vision-quote { padding-left: 20px; } }

/* On About, the founder's quote is presented in full in the Vision section,
   so the smaller copy inside the shared founder block would repeat it. */
.page-about #founder .quote { display: none; }
.page-about #founder .chips { margin-bottom: 20px; }

/* The founder block is shared. On About the button would link to the page
   you are already on, so it only shows where it leads somewhere. */
.page-about .founder-cta { display: none; }
.founder-cta { margin-top: 26px; }

/* =====================================================================
   FORM FIELD FIX
   .field is a grid; when .form__row makes two fields equal height, the
   field WITHOUT a hint line had its input stretched to absorb the extra
   space (Full Name rendered 79px tall next to Mobile's 57px).
   align-content: start keeps every control at its own height.
   ===================================================================== */
.field { align-content: start; }
.field__input, .field__select, .field__textarea { height: auto; }
.field__input:not(textarea), .field__select { min-height: 52px; max-height: 52px; }
.field__textarea { max-height: none; }

/* Keep the select's placeholder clear of the caret at every width */
.field__select { padding-right: 42px; text-overflow: ellipsis; }

/* Error text only reserves space once it has something to say */
.field__error:empty { display: none; }

/* ---- Postal address block on the legal pages ---------------------------- */
.legal-address {
  font-style: normal;
  line-height: 1.75;
  margin: 0 0 1.1rem;
  padding: 14px 18px;
  border-left: 3px solid var(--gold);
  border-radius: 0 8px 8px 0;
  background: var(--offwhite);
  color: var(--ink);
}