/* ============================================
   GRV MICROFINANCE - REFERENCE IMAGE DESIGN
   Exact match to provided screenshot
   ============================================ */

:root {
    --navy-dark: #062B6F;
    --navy-medium: #0B2F70;
    --blue-bright: #1557B0;
    --blue-accent: #1E73D8;
    --red-primary: #ED1C24;
    --orange-primary: #FF6B00;
    --white: #FFFFFF;
    --light-bg: #F4F8FD;
    --gray-light: #E8E8E8;
    --gray-medium: #666666;
    --text-dark: #333333;
    --shadow-light: 0 2px 8px rgba(0,0,0,0.08);
    --shadow-medium: 0 4px 12px rgba(0,0,0,0.12);
    --shadow-dark: 0 8px 24px rgba(0,0,0,0.15);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif; color: var(--text-dark); line-height: 1.6; background-color: var(--white); }
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }

/* TOP BAR */
.topbar { background-color: var(--navy-dark); color: var(--white); padding: 12px 0; font-size: 0.9rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; }
.topbar-left { display: flex; gap: 30px; }
.topbar-left span, .topbar-left a { color: var(--white); text-decoration: none; display: flex; align-items: center; gap: 8px; transition: color 0.3s; }
.topbar-left a:hover { color: var(--orange-primary); }
.topbar-right { display: flex; align-items: center; gap: 15px; }
.topbar-right span { color: var(--white); }
.topbar-right a { color: var(--white); text-decoration: none; transition: color 0.3s; }
.topbar-right a:hover { color: var(--orange-primary); }

/* NAVBAR */
.navbar-main { background-color: var(--white); box-shadow: var(--shadow-light); padding: 15px 0; border-bottom: 1px solid var(--gray-light); position: sticky; top: 0; z-index: 100; }
.navbar-main .container { display: flex; justify-content: space-between; align-items: center; }
.navbar-brand { text-decoration: none; display: flex; align-items: center; gap: 12px; }
.logo-image { height: 60px; width: auto; max-width: 200px; object-fit: contain; }
.navbar-nav { display: flex; list-style: none; gap: 25px; margin: 0; padding: 0; align-items: center; }
.navbar-nav .nav-link { color: var(--navy-dark); text-decoration: none; font-weight: 500; font-size: 0.95rem; transition: color 0.3s; display: flex; align-items: center; gap: 6px; }
.navbar-nav .nav-link:hover, .navbar-nav .nav-link.active { color: var(--blue-bright); }
.btn-apply-now { background-color: var(--navy-dark); color: var(--white); padding: 10px 24px; border-radius: 6px; text-decoration: none; font-weight: 600; transition: all 0.3s; border: none; cursor: pointer; }
.btn-apply-now:hover { background-color: var(--blue-bright); transform: translateY(-2px); }

/* HERO */
.hero { background: linear-gradient(135deg, #f8fbff 0%, var(--white) 100%); padding: 40px 0 50px 0; }
.hero .container { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-content h1 { font-size: 3rem; font-weight: 800; color: var(--navy-dark); line-height: 1.2; margin-bottom: 20px; }
.hero-content h1 .red { color: var(--red-primary); }
.hero-subtitle { font-size: 1.1rem; color: var(--gray-medium); margin-bottom: 15px; font-weight: 500; }
.hero-support-line { font-size: 0.9rem; color: var(--text-dark); margin-bottom: 25px; display: flex; gap: 18px; flex-wrap: nowrap; }
.hero-support-line span { display: flex; align-items: center; gap: 8px; }
.hero-support-line i { color: var(--red-primary); font-size: 0.8rem; }
.hero-buttons { display: flex; gap: 20px; margin-bottom: 40px; }
.btn-hero { padding: 14px 28px; border-radius: 6px; font-weight: 600; text-decoration: none; transition: all 0.3s; border: none; cursor: pointer; font-size: 0.95rem; display: inline-flex; align-items: center; gap: 8px; }
.btn-hero-primary { background-color: var(--navy-dark); color: var(--white); }
.btn-hero-primary:hover { background-color: var(--blue-bright); transform: translateY(-3px); }
.btn-hero-secondary { background-color: var(--orange-primary); color: var(--white); }
.btn-hero-secondary:hover { background-color: #E55A00; transform: translateY(-3px); }
.hero-trust-strip { display: flex; gap: 40px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 12px; }
.trust-item i { font-size: 1.5rem; color: var(--blue-bright); }
.trust-item-title { font-weight: 600; color: var(--navy-dark); font-size: 0.95rem; }
.trust-item-desc { font-size: 0.85rem; color: var(--gray-medium); }
.hero-visual { position: relative; display: flex; justify-content: center; align-items: center; }
.hero-image-professional { 
    width: 100%; 
    max-width: 380px; 
    aspect-ratio: 1; 
    background: linear-gradient(135deg, #ffffff 0%, #e8f4ff 25%, #d4e8f7 60%, #c8e0f5 100%); 
    border-radius: 20px; 
    box-shadow: 0 12px 40px rgba(13, 71, 161, 0.15), 0 4px 20px rgba(0, 0, 0, 0.08); 
    overflow: hidden; 
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid rgba(21, 87, 176, 0.1);
}

.hero-image-professional::before {
    content: '';
    position: absolute;
    width: 250px;
    height: 250px;
    background: radial-gradient(circle at 30% 30%, rgba(21, 87, 176, 0.12), transparent);
    border-radius: 50%;
    top: -60px;
    right: -40px;
}

.hero-image-professional::after {
    content: '';
    position: absolute;
    width: 320px;
    height: 320px;
    background: radial-gradient(circle at 70% 70%, rgba(237, 28, 36, 0.08), transparent);
    border-radius: 50%;
    bottom: -100px;
    left: -100px;
}

.hero-design-elements {
    position: relative;
    z-index: 10;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    height: 100%;
}

.hero-icon-group {
    position: relative;
    width: 260px;
    height: 260px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-icon {
    position: absolute;
    width: 100px;
    height: 100px;
    background: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.12), inset 0 -2px 8px rgba(0, 0, 0, 0.05);
    transition: all 0.3s ease;
}

.hero-icon-1 {
    color: var(--blue-bright);
    left: 0;
    top: 30px;
}

.hero-icon-2 {
    color: var(--red-primary);
    right: 0;
    top: 30px;
}

.hero-icon-3 {
    color: var(--orange-primary);
    left: 50%;
    bottom: 20px;
    transform: translateX(-50%);
}

.hero-icon:hover {
    transform: translateY(-8px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
}
.trust-card { position: absolute; bottom: 25px; right: 15px; background-color: var(--navy-dark); color: var(--white); padding: 22px 24px; border-radius: 14px; box-shadow: 0 8px 24px rgba(13, 71, 161, 0.2); max-width: 190px; text-align: center; }
.trust-card-title { font-size: 0.8rem; color: rgba(255,255,255,0.8); margin-bottom: 8px; }
.trust-card-number { font-size: 1.8rem; font-weight: 800; color: var(--white); margin-bottom: 5px; }
.trust-card-label { font-size: 0.85rem; color: var(--white); margin-bottom: 10px; }
.trust-card-stars { color: #FFD700; font-size: 1rem; }

/* SECTIONS */
.section { padding: 70px 0; }
.section-title { text-align: center; margin-bottom: 50px; }
.section-title h2 { font-size: 2.3rem; font-weight: 800; color: var(--navy-dark); margin-bottom: 12px; }
.section-title p { font-size: 1rem; color: var(--gray-medium); }
.services-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 20px; }
.service-card { background-color: var(--white); border-radius: 12px; padding: 18px 12px; text-align: center; box-shadow: var(--shadow-light); transition: all 0.3s; border: 1px solid var(--gray-light); }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-medium); }
.service-icon { width: 60px; height: 60px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 2rem; color: var(--white); margin: 0 auto 12px; }
.service-card:nth-child(1) .service-icon { background-color: #3B82F6; }
.service-card:nth-child(2) .service-icon { background-color: #10B981; }
.service-card:nth-child(3) .service-icon { background-color: #F59E0B; }
.service-card:nth-child(4) .service-icon { background-color: #8B5CF6; }
.service-card:nth-child(5) .service-icon { background-color: #EC4899; }
.service-card:nth-child(6) .service-icon { background-color: #06B6D4; }
.service-title { font-size: 0.95rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 8px; line-height: 1.3; }
.service-desc { font-size: 0.75rem; color: var(--gray-medium); margin-bottom: 10px; line-height: 1.3; }
.service-link { color: var(--orange-primary); text-decoration: none; font-weight: 600; display: inline-flex; align-items: center; gap: 4px; transition: gap 0.3s; font-size: 0.8rem; }
.service-link:hover { gap: 8px; }

/* ====== FORMS ====== */
/* Form Container */
.form-container { background-color: var(--light-bg); padding: 60px 0; }
.form-card { background-color: var(--white); border-radius: 16px; box-shadow: 0 10px 25px rgba(0,0,0,0.1); padding: 40px; max-width: 800px; margin: 0 auto; }
.form-card-title { font-size: 1.8rem; font-weight: 800; color: var(--navy-dark); margin-bottom: 10px; text-align: center; }
.form-card-subtitle { font-size: 0.95rem; color: var(--gray-medium); text-align: center; margin-bottom: 30px; }

/* Multi-Step Indicator */
.form-steps { display: flex; justify-content: space-between; margin-bottom: 40px; position: relative; }
.form-steps::before { content: ''; position: absolute; top: 20px; left: 0; right: 0; height: 2px; background-color: var(--gray-light); z-index: 0; }
.form-step { flex: 1; text-align: center; position: relative; z-index: 1; }
.form-step-number { width: 40px; height: 40px; background-color: var(--gray-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; margin: 0 auto 8px; color: var(--gray-medium); font-size: 0.95rem; }
.form-step.active .form-step-number { background-color: var(--navy-dark); color: var(--white); }
.form-step.completed .form-step-number { background-color: #4CAF50; color: var(--white); }
.form-step-label { font-size: 0.85rem; color: var(--gray-medium); font-weight: 500; }
.form-step.active .form-step-label { color: var(--navy-dark); font-weight: 700; }
.form-step.completed .form-step-label { color: #4CAF50; font-weight: 700; }

/* Form Sections */
.form-section { margin-bottom: 35px; }
.form-section-title { font-size: 1.2rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 20px; display: flex; align-items: center; gap: 12px; }
.form-section-title i { font-size: 1.4rem; color: var(--blue-bright); }

/* Form Groups */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 0.95rem; font-weight: 600; color: var(--text-dark); margin-bottom: 8px; }
.form-label .required { color: var(--red-primary); }
.form-control { width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-light); border-radius: 8px; font-size: 0.95rem; font-family: inherit; transition: all 0.3s; background-color: var(--white); }
.form-control:focus { outline: none; border-color: var(--blue-bright); box-shadow: 0 0 0 3px rgba(21, 87, 176, 0.1); }
.form-control::placeholder { color: #999; }
.form-control:disabled { background-color: var(--light-bg); cursor: not-allowed; }

.form-select { width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-light); border-radius: 8px; font-size: 0.95rem; font-family: inherit; transition: all 0.3s; background-color: var(--white); cursor: pointer; }
.form-select:focus { outline: none; border-color: var(--blue-bright); box-shadow: 0 0 0 3px rgba(21, 87, 176, 0.1); }
.form-select:disabled { background-color: var(--light-bg); cursor: not-allowed; }

textarea.form-control { resize: vertical; min-height: 100px; }

/* Two-Column Grid */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-row.full { grid-template-columns: 1fr; }

/* Checkboxes & Radio Buttons */
.form-checkbox, .form-radio { display: flex; align-items: center; gap: 12px; margin: 15px 0; cursor: pointer; }
.form-checkbox input[type="checkbox"], .form-radio input[type="radio"] { width: 18px; height: 18px; cursor: pointer; accent-color: var(--blue-bright); }
.form-checkbox label, .form-radio label { margin: 0; cursor: pointer; font-size: 0.95rem; color: var(--text-dark); }

/* Consent Box */
.form-consent { background-color: var(--light-bg); padding: 18px; border-radius: 8px; margin: 30px 0; border-left: 4px solid var(--blue-bright); }
.form-consent label { display: flex; align-items: flex-start; gap: 12px; cursor: pointer; margin: 0; }
.form-consent input[type="checkbox"] { margin-top: 3px; }
.form-consent p { font-size: 0.9rem; color: var(--gray-medium); margin: 0; }

/* Form Buttons */
.btn-submit { width: 100%; padding: 14px 28px; background-color: var(--navy-dark); color: var(--white); border: none; border-radius: 8px; font-size: 1rem; font-weight: 700; cursor: pointer; transition: all 0.3s; display: flex; align-items: center; justify-content: center; gap: 8px; }
.btn-submit:hover { background-color: var(--blue-bright); transform: translateY(-2px); box-shadow: 0 8px 16px rgba(21, 87, 176, 0.3); }
.btn-submit:disabled { background-color: var(--gray-light); cursor: not-allowed; transform: none; }

.btn-secondary { width: 100%; padding: 12px 24px; background-color: var(--gray-light); color: var(--navy-dark); border: none; border-radius: 8px; font-size: 0.95rem; font-weight: 600; cursor: pointer; transition: all 0.3s; margin-top: 15px; }
.btn-secondary:hover { background-color: #ddd; }

.form-button-group { display: flex; gap: 15px; margin-top: 30px; }
.form-button-group .btn-submit, .form-button-group .btn-secondary { flex: 1; margin: 0; }

/* Form Validation */
.form-control.error { border-color: #f44336; background-color: rgba(244, 67, 54, 0.05); }
.form-error { color: #f44336; font-size: 0.85rem; margin-top: 5px; display: none; }
.form-control.error + .form-error { display: block; }

.form-success-message { background-color: #4CAF50; color: var(--white); padding: 16px; border-radius: 8px; margin-bottom: 20px; display: none; }
.form-success-message.show { display: block; }

/* Form Info Box */
.form-info { background-color: #E3F2FD; border-left: 4px solid var(--blue-bright); padding: 16px; border-radius: 8px; margin-bottom: 25px; font-size: 0.9rem; color: var(--text-dark); }
.form-info i { color: var(--blue-bright); margin-right: 8px; }

/* Inquiry Form (short forms) */
.inquiry-form { background-color: var(--white); border-radius: 12px; padding: 30px; box-shadow: var(--shadow-light); }

/* Features Grid (what happens next) */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 30px; }
.feature-card { background-color: var(--light-bg); padding: 30px 20px; border-radius: 12px; text-align: center; transition: all 0.3s; }
.feature-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-medium); }
.feature-title { font-size: 1.1rem; font-weight: 700; color: var(--navy-dark); margin: 15px 0; }
.feature-description { font-size: 0.9rem; color: var(--gray-medium); margin: 0; }

/* Responsive Form Adjustments */
@media (max-width: 1024px) {
    .form-card { padding: 30px; }
    .features-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .form-card { padding: 25px; }
    .form-row { grid-template-columns: 1fr; }
    .form-steps { flex-wrap: wrap; gap: 20px; }
    .form-steps::before { display: none; }
    .form-step { flex: none; width: calc(25% - 5px); }
    .features-grid { grid-template-columns: 1fr; gap: 20px; }
    .form-button-group { flex-direction: column; }
    .form-button-group .btn-submit, .form-button-group .btn-secondary { flex: 1; }
}

@media (max-width: 480px) {
    .form-card { padding: 20px; margin: 0 10px; }
    .form-card-title { font-size: 1.4rem; }
    .form-step { width: calc(50% - 10px); }
    .form-control, .form-select { padding: 10px 12px; font-size: 16px; }
    .btn-submit { padding: 12px 20px; font-size: 0.95rem; }
}

/* COMPLIANCE */
.compliance-strip { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--blue-bright) 100%); color: var(--white); padding: 50px 0; }
.compliance-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 40px; text-align: center; }
.compliance-item i { font-size: 2.5rem; margin-bottom: 15px; color: var(--orange-primary); }
.compliance-item h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.compliance-item p { font-size: 0.85rem; opacity: 0.9; }

/* CALCULATOR */
.calc-section { background-color: var(--light-bg); padding: 70px 0; }
.calc-container { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; }
.calc-box, .consultation-box { background-color: var(--white); padding: 40px; border-radius: 12px; box-shadow: var(--shadow-light); }
.calc-box h3, .consultation-box h3 { font-size: 1.4rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 25px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; color: var(--navy-dark); margin-bottom: 8px; font-size: 0.9rem; }
.form-group input, .form-group select { width: 100%; padding: 12px; border: 1px solid var(--gray-light); border-radius: 6px; font-size: 0.95rem; transition: border-color 0.3s; }
.form-group input:focus, .form-group select:focus { outline: none; border-color: var(--blue-bright); box-shadow: 0 0 0 3px rgba(21, 87, 176, 0.1); }
.form-group input[type="range"] { height: 6px; background: linear-gradient(to right, var(--navy-dark), var(--blue-bright)); border-radius: 3px; }
.calc-result { background-color: var(--light-bg); padding: 25px; border-radius: 8px; text-align: center; margin-top: 20px; }
.calc-result-value { font-size: 2.2rem; font-weight: 800; color: var(--navy-dark); margin: 10px 0; }
.calc-breakdown { display: flex; justify-content: space-around; gap: 15px; margin-top: 15px; }
.breakdown-item { flex: 1; }
.breakdown-label { font-size: 0.75rem; color: var(--gray-medium); }
.breakdown-value { font-size: 1.1rem; font-weight: 700; color: var(--blue-bright); }
.btn-calculate, .btn-submit { width: 100%; padding: 14px; border: none; border-radius: 6px; font-weight: 600; cursor: pointer; font-size: 1rem; transition: all 0.3s; margin-top: 20px; }
.btn-calculate { background-color: var(--navy-dark); color: var(--white); }
.btn-calculate:hover { background-color: var(--blue-bright); transform: translateY(-2px); }
.btn-submit { background-color: var(--orange-primary); color: var(--white); }
.btn-submit:hover { background-color: #E55A00; transform: translateY(-2px); }

/* TESTIMONIALS */
.testimonials-section { background-color: var(--white); padding: 70px 0; }
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 30px; }
.testimonial-card { background-color: var(--white); padding: 30px; border-radius: 12px; box-shadow: var(--shadow-light); border: 1px solid var(--gray-light); transition: all 0.3s; }
.testimonial-card:hover { box-shadow: var(--shadow-medium); }
.testimonial-author { display: flex; align-items: center; gap: 12px; margin-bottom: 15px; }
.testimonial-avatar { width: 50px; height: 50px; border-radius: 50%; background: linear-gradient(135deg, var(--blue-bright), var(--navy-dark)); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 0.9rem; }
.testimonial-info h4 { font-size: 0.95rem; color: var(--navy-dark); margin-bottom: 3px; }
.testimonial-info p { font-size: 0.8rem; color: var(--gray-medium); }
.testimonial-rating { color: #FFD700; margin-bottom: 12px; }
.testimonial-text { font-size: 0.9rem; color: var(--text-dark); font-style: italic; }

/* PARTNERS */
.partners-section { background-color: var(--light-bg); padding: 70px 0; }
.partners-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 30px; }
.partner-placeholder { height: 80px; background-color: var(--white); border-radius: 8px; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-light); border: 2px dashed var(--blue-bright); font-size: 0.75rem; color: var(--blue-bright); text-align: center; padding: 10px; font-weight: 500; }

/* FOOTER */
footer { background-color: var(--navy-dark); color: var(--white); padding: 60px 0 20px; }
.footer-content { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 40px; margin-bottom: 40px; }
.footer-column:first-child img { height: 50px; width: auto; display: block; margin-bottom: 15px; }
.footer-column h4 { font-size: 1rem; font-weight: 700; margin-bottom: 20px; color: var(--orange-primary); }
.footer-column ul { list-style: none; }
.footer-column ul li { margin-bottom: 10px; }
.footer-column a { color: rgba(255,255,255,0.8); text-decoration: none; font-size: 0.9rem; transition: color 0.3s; }
.footer-column a:hover { color: var(--orange-primary); }
.footer-desc { color: rgba(255,255,255,0.8); font-size: 0.9rem; margin-bottom: 15px; }
.footer-socials { display: flex; gap: 12px; }
.footer-socials a { width: 36px; height: 36px; border-radius: 50%; background-color: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; color: var(--white); transition: all 0.3s; }
.footer-socials a:hover { background-color: var(--orange-primary); transform: translateY(-3px); }
.newsletter-form { display: flex; gap: 8px; margin-bottom: 15px; }
.newsletter-form input { flex: 1; padding: 10px 12px; border: none; border-radius: 4px; font-size: 0.9rem; }
.newsletter-form button { padding: 10px 20px; background-color: var(--orange-primary); color: var(--white); border: none; border-radius: 4px; cursor: pointer; font-weight: 600; transition: all 0.3s; }
.newsletter-form button:hover { background-color: #E55A00; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 20px; text-align: center; font-size: 0.85rem; color: rgba(255,255,255,0.7); }
.footer-links { display: flex; justify-content: center; gap: 25px; margin-bottom: 12px; flex-wrap: wrap; }
.footer-links a { color: rgba(255,255,255,0.7); text-decoration: none; transition: color 0.3s; }
.footer-links a:hover { color: var(--orange-primary); }

/* WHATSAPP */
.whatsapp-button { position: fixed; bottom: 30px; right: 30px; width: 60px; height: 60px; background-color: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.8rem; color: var(--white); text-decoration: none; box-shadow: 0 4px 12px rgba(37, 211, 102, 0.4); transition: all 0.3s; z-index: 999; }
.whatsapp-button:hover { transform: scale(1.1); box-shadow: 0 6px 20px rgba(37, 211, 102, 0.6); }

/* RESPONSIVE */
@media (max-width: 1200px) {
    .services-grid { grid-template-columns: repeat(4, 1fr); gap: 18px; }
    .service-card { padding: 16px 10px; }
}

@media (max-width: 1024px) {
    .hero .container, .calc-container { grid-template-columns: 1fr; gap: 40px; }
    .navbar-nav { gap: 15px; }
    .services-grid { grid-template-columns: repeat(3, 1fr); gap: 18px; }
}

@media (max-width: 768px) {
    .topbar .container { flex-direction: column; gap: 12px; align-items: flex-start; }
    .topbar-left, .topbar-right { flex-direction: column; gap: 8px; width: 100%; }
    .navbar-nav { flex-wrap: wrap; gap: 10px; justify-content: center; }
    .navbar-nav .nav-link { font-size: 0.85rem; }
    .logo-image { height: 50px; }
    .hero-content h1 { font-size: 2rem; }
    .hero-buttons { flex-direction: column; }
    .btn-hero { width: 100%; justify-content: center; }
    .hero-support-line { gap: 12px; }
    .hero-trust-strip { gap: 15px; flex-wrap: wrap; }
    .services-grid { grid-template-columns: 1fr; }
    .compliance-grid { grid-template-columns: 1fr; gap: 20px; }
    .section { padding: 50px 0; }
    .footer-content { grid-template-columns: 1fr; gap: 30px; }
    .whatsapp-button { bottom: 20px; right: 20px; }
}

@media (max-width: 480px) {
    .navbar-nav .nav-link { font-size: 0.75rem; }
    .hero-content h1 { font-size: 1.4rem; }
    .hero-support-line { flex-direction: column; gap: 8px; font-size: 0.85rem; }
    .section-title h2 { font-size: 1.6rem; }
    .trust-card { position: static; margin-top: 20px; }
}

/* ============================================

/* ============================================
   FIXED HERO SECTION - NO DUPLICATE TEXT
   ============================================ */

.hero-professional {
    position: relative;
    width: 100%;
    min-height: 600px;
    background: linear-gradient(to right, #ffffff 0%, #ffffff 50%, #f0f8ff 100%);
    overflow: hidden;
    display: flex;
    align-items: center;
}

.hero-banner-image {
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    z-index: 0;
}

.hero-overlay {
    position: relative;
    z-index: 1;
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
}

.hero-content-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    width: 100%;
    padding: 60px 0;
}

.hero-left {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.hero-badge {
    display: inline-block;
    background: linear-gradient(135deg, var(--blue-bright), var(--navy-dark));
    color: var(--white);
    padding: 8px 20px;
    border-radius: 25px;
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 0.5px;
    width: fit-content;
    box-shadow: 0 2px 8px rgba(21, 87, 176, 0.3);
}

.hero-title {
    font-size: 3rem;
    font-weight: 800;
    line-height: 1.2;
    color: var(--navy-dark);
    margin: 0;
    text-shadow: 0 1px 2px rgba(0,0,0,0.05);
}

.hero-title .red {
    color: var(--red-primary);
}

.hero-subtitle {
    font-size: 1.2rem;
    color: #555;
    margin: 10px 0 0 0;
    line-height: 1.5;
}

.hero-support-line {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin: 15px 0 0 0;
    color: #666;
    font-size: 0.95rem;
}

.hero-support-line span {
    display: flex;
    align-items: center;
    gap: 8px;
}

.hero-support-line i {
    color: var(--red-primary);
    font-size: 0.8rem;
}

.hero-buttons {
    display: flex;
    gap: 20px;
    margin-top: 20px;
    flex-wrap: wrap;
}

.btn-hero {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 30px;
    border: none;
    border-radius: 8px;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.3s ease;
    white-space: nowrap;
}

.btn-hero-primary {
    background: linear-gradient(135deg, var(--navy-dark), var(--blue-bright));
    color: var(--white);
    box-shadow: 0 4px 15px rgba(6, 43, 111, 0.3);
}

.btn-hero-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(6, 43, 111, 0.4);
    color: var(--white);
    text-decoration: none;
}

.btn-hero-secondary {
    background: linear-gradient(135deg, var(--red-primary), #d61a1a);
    color: var(--white);
    box-shadow: 0 4px 15px rgba(237, 28, 36, 0.3);
}

.btn-hero-secondary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(237, 28, 36, 0.4);
    color: var(--white);
    text-decoration: none;
}

.hero-right {
    display: none;
}

@media (max-width: 1024px) {
    .hero-professional {
        min-height: 500px;
        background: linear-gradient(135deg, #ffffff 0%, #ffffff 100%);
    }
    
    .hero-banner-image {
        width: 100%;
        opacity: 0.1;
    }
    
    .hero-content-wrapper {
        grid-template-columns: 1fr;
        gap: 30px;
        padding: 40px 0;
    }
    
    .hero-title {
        font-size: 2.2rem;
    }
    
    .hero-subtitle {
        font-size: 1.1rem;
    }
    
    .hero-buttons {
        gap: 15px;
    }
}

@media (max-width: 768px) {
    .hero-professional {
        min-height: 400px;
    }
    
    .hero-banner-image {
        display: none;
    }
    
    .hero-title {
        font-size: 1.8rem;
    }
    
    .hero-buttons {
        flex-direction: column;
    }
    
    .btn-hero {
        width: 100%;
        justify-content: center;
    }
}

@media (max-width: 480px) {
    .hero-professional {
        min-height: 350px;
    }
    
    .hero-title {
        font-size: 1.5rem;
    }
}

   TWO-COLUMN FORM DESIGN WITH PROFESSIONAL VISUAL
   ============================================ */

.form-with-visual {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    max-width: 1100px;
    margin: 0 auto;
}

.form-visual-left {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.form-visual-right {
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}

.form-representative-container {
    width: 100%;
    max-width: 320px;
    aspect-ratio: 2.5/3;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}

.form-representative-image {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.form-visual-badge {
    position: absolute;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    background: linear-gradient(135deg, var(--blue-bright), var(--navy-dark));
    color: var(--white);
    padding: 12px 24px;
    border-radius: 8px;
    font-size: 0.85rem;
    font-weight: 700;
    text-align: center;
    box-shadow: 0 4px 12px rgba(21, 87, 176, 0.25);
    white-space: nowrap;
}

/* Responsive: Two columns on large screens */
@media (max-width: 1024px) {
    .form-with-visual {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .form-visual-right {
        order: -1;
    }
    
    .form-representative-container {
        max-width: 280px;
        margin: 0 auto;
    }
}

/* Mobile: Single column */
@media (max-width: 768px) {
    .form-with-visual {
        grid-template-columns: 1fr;
        gap: 20px;
        padding: 0;
    }
    
    .form-representative-container {
        max-width: 200px;
        aspect-ratio: 2.5/3;
        margin: 0 auto 20px;
    }
    
    .form-visual-badge {
        bottom: 10px;
        padding: 10px 20px;
        font-size: 0.8rem;
    }
}

@media (max-width: 480px) {
    .form-with-visual {
        gap: 15px;
    }
    
    .form-representative-container {
        max-width: 150px;
        margin: 0 auto 15px;
    }
    
    .form-card {
        padding: 20px;
    }
    
    .form-card-title {
        font-size: 1.3rem;
    }
}

/* ============================================
   PROFESSIONAL HERO SECTION WITH BANNER IMAGE
   ============================================ */

.hero-professional {
    position: relative;
    width: 100%;
    min-height: 600px;
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #f5f5f5 0%, #ffffff 100%);
}

.hero-banner-image {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    z-index: 1;
}

.hero-overlay {
    position: relative;
    z-index: 2;
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
}

.hero-content-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    width: 100%;
    padding: 60px 0;
}

.hero-left {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.hero-badge {
    display: inline-block;
    background: linear-gradient(135deg, var(--blue-bright), var(--navy-dark));
    color: var(--white);
    padding: 8px 20px;
    border-radius: 25px;
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 0.5px;
    width: fit-content;
    box-shadow: 0 2px 8px rgba(21, 87, 176, 0.3);
}

.hero-title {
    font-size: 3rem;
    font-weight: 800;
    line-height: 1.2;
    color: var(--navy-dark);
    margin: 0;
    text-shadow: 0 1px 2px rgba(0,0,0,0.05);
}

.hero-title .red {
    color: var(--red-primary);
}

.hero-subtitle {
    font-size: 1.2rem;
    color: #555;
    margin: 10px 0 0 0;
    line-height: 1.5;
}

.hero-support-line {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin: 15px 0 0 0;
    color: #666;
    font-size: 0.95rem;
}

.hero-support-line span {
    display: flex;
    align-items: center;
    gap: 8px;
}

.hero-support-line i {
    color: var(--red-primary);
    font-size: 0.8rem;
}

.hero-buttons {
    display: flex;
    gap: 20px;
    margin-top: 20px;
    flex-wrap: wrap;
}

.btn-hero {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 30px;
    border: none;
    border-radius: 8px;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.3s ease;
    white-space: nowrap;
}

.btn-hero-primary {
    background: linear-gradient(135deg, var(--navy-dark), var(--blue-bright));
    color: var(--white);
    box-shadow: 0 4px 15px rgba(6, 43, 111, 0.3);
}

.btn-hero-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(6, 43, 111, 0.4);
    color: var(--white);
    text-decoration: none;
}

.btn-hero-secondary {
    background: linear-gradient(135deg, var(--red-primary), #d61a1a);
    color: var(--white);
    box-shadow: 0 4px 15px rgba(237, 28, 36, 0.3);
}

.btn-hero-secondary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(237, 28, 36, 0.4);
    color: var(--white);
    text-decoration: none;
}

.hero-right {
    display: none;
}

/* Tablet (1024px and below) */
@media (max-width: 1024px) {
    .hero-professional {
        min-height: 500px;
    }
    
    .hero-content-wrapper {
        grid-template-columns: 1fr;
        gap: 30px;
        padding: 40px 0;
    }
    
    .hero-title {
        font-size: 2.2rem;
    }
    
    .hero-subtitle {
        font-size: 1.1rem;
    }
    
    .hero-support-line {
        gap: 15px;
        font-size: 0.9rem;
    }
    
    .hero-buttons {
        gap: 15px;
    }
    
    .btn-hero {
        padding: 12px 24px;
        font-size: 0.95rem;
    }
}

/* Mobile (768px and below) */
@media (max-width: 768px) {
    .hero-professional {
        min-height: 400px;
    }
    
    .hero-content-wrapper {
        padding: 30px 0;
    }
    
    .hero-title {
        font-size: 1.8rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .hero-support-line {
        gap: 12px;
        font-size: 0.85rem;
    }
    
    .hero-buttons {
        flex-direction: column;
        gap: 12px;
    }
    
    .btn-hero {
        width: 100%;
        justify-content: center;
        padding: 12px 20px;
    }
    
    .hero-badge {
        font-size: 0.8rem;
        padding: 6px 16px;
    }
}

/* Small mobile (480px and below) */
@media (max-width: 480px) {
    .hero-professional {
        min-height: 350px;
    }
    
    .hero-title {
        font-size: 1.5rem;
    }
    
    .hero-subtitle {
        font-size: 0.95rem;
    }
    
    .hero-support-line {
        gap: 10px;
        font-size: 0.8rem;
    }
    
    .btn-hero {
        padding: 10px 16px;
        font-size: 0.9rem;
    }
}

/* ============================================
   PROFESSIONAL FORM DESIGN SYSTEM - ALL FORMS
   ============================================ */

/* Main form container with 2-column layout */
.form-professional-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: start;
    max-width: 1200px;
    margin: 40px auto;
    padding: 20px;
}

/* Form card - Left side */
.professional-form-card {
    background: #FFFFFF;
    border-radius: 12px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    padding: 40px;
    display: flex;
    flex-direction: column;
    gap: 25px;
}

.form-card-header {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.form-card-header h2 {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--navy-dark);
    margin: 0;
}

.form-card-header p {
    font-size: 0.95rem;
    color: #666;
    margin: 0;
}

/* Form fields */
.form-fields-section {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-field-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-field-row.full {
    grid-template-columns: 1fr;
}

.form-field-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-field-group label {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--navy-dark);
}

.form-field-group label .required {
    color: var(--red-primary);
    margin-left: 3px;
}

.form-field-group input,
.form-field-group select,
.form-field-group textarea {
    border: 1px solid #e0e0e0;
    border-radius: 6px;
    padding: 12px 14px;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    font-family: inherit;
}

.form-field-group input:focus,
.form-field-group select:focus,
.form-field-group textarea:focus {
    outline: none;
    border-color: var(--blue-bright);
    box-shadow: 0 0 0 3px rgba(21, 87, 176, 0.1);
    background: #FAFBFF;
}

.form-field-group textarea {
    resize: vertical;
    min-height: 100px;
}

/* Form buttons */
.form-button-group {
    display: flex;
    gap: 15px;
    margin-top: 10px;
    flex-wrap: wrap;
}

.btn-submit-professional {
    background: linear-gradient(135deg, var(--navy-dark), var(--blue-bright));
    color: #FFFFFF;
    border: none;
    padding: 14px 30px;
    border-radius: 6px;
    font-size: 1rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 4px 12px rgba(6, 43, 111, 0.25);
    display: flex;
    align-items: center;
    gap: 10px;
}

.btn-submit-professional:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(6, 43, 111, 0.35);
}

.btn-submit-secondary {
    background: #f5f5f5;
    color: var(--navy-dark);
    border: 1px solid #e0e0e0;
    padding: 14px 30px;
    border-radius: 6px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-submit-secondary:hover {
    background: #efefef;
    border-color: var(--navy-dark);
}

/* Form info/helper text */
.form-info-box {
    background: #F0F8FD;
    border-left: 4px solid var(--blue-bright);
    padding: 15px;
    border-radius: 4px;
    font-size: 0.85rem;
    color: #555;
    display: flex;
    gap: 12px;
    align-items: flex-start;
}

.form-info-box i {
    color: var(--blue-bright);
    margin-top: 2px;
    flex-shrink: 0;
}

/* Professional visual - Right side */
.professional-visual-area {
    display: flex;
    flex-direction: column;
    gap: 30px;
    align-items: center;
}

.professional-advisor-image {
    width: 100%;
    max-width: 280px;
    aspect-ratio: 2.5/3;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
}

.professional-advisor-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.advisor-badge {
    background: linear-gradient(135deg, var(--blue-bright), var(--navy-dark));
    color: #FFFFFF;
    padding: 16px 24px;
    border-radius: 8px;
    text-align: center;
    box-shadow: 0 4px 12px rgba(21, 87, 176, 0.25);
    width: 100%;
    max-width: 280px;
}

.advisor-badge-title {
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.advisor-badge-title i {
    color: #4CAF50;
    font-size: 1.2rem;
}

/* Trust indicators */
.trust-indicators {
    display: flex;
    flex-direction: column;
    gap: 12px;
    width: 100%;
    max-width: 280px;
}

.trust-indicator {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.9rem;
    color: #555;
}

.trust-indicator i {
    color: #4CAF50;
    font-size: 1.1rem;
    flex-shrink: 0;
}

/* Responsive design */
@media (max-width: 1100px) {
    .form-professional-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .professional-visual-area {
        order: -1;
    }
}

@media (max-width: 768px) {
    .form-professional-container {
        gap: 30px;
        margin: 20px auto;
        padding: 15px;
    }
    
    .professional-form-card {
        padding: 25px;
    }
    
    .form-card-header h2 {
        font-size: 1.4rem;
    }
    
    .form-field-row {
        grid-template-columns: 1fr;
        gap: 15px;
    }
    
    .form-button-group {
        flex-direction: column;
    }
    
    .btn-submit-professional {
        width: 100%;
        justify-content: center;
    }
    
    .professional-advisor-image {
        max-width: 220px;
    }
    
    .advisor-badge {
        max-width: 220px;
    }
    
    .trust-indicators {
        max-width: 220px;
    }
}

@media (max-width: 480px) {
    .form-professional-container {
        padding: 10px;
    }
    
    .professional-form-card {
        padding: 20px;
    }
    
    .form-card-header h2 {
        font-size: 1.2rem;
    }
    
    .form-field-group input,
    .form-field-group select,
    .form-field-group textarea {
        font-size: 16px; /* Prevent iOS zoom */
    }
    
    .professional-advisor-image {
        max-width: 150px;
    }
    
    .advisor-badge {
        max-width: 150px;
        padding: 12px 16px;
        font-size: 0.8rem;
    }
    
    .trust-indicators {
        max-width: 150px;
    }
    
    .trust-indicator {
        font-size: 0.85rem;
    }
}


/* ============================================
   PREMIUM HERO ANIMATIONS
   Professional, Smooth, Accessible
   ============================================ */

/* ANIMATION KEYFRAMES */

/* Subtle floating/parallax movement */
@keyframes float-gentle {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-8px); }
}

/* Icon floating with variation */
@keyframes float-icon-1 {
  0%, 100% { transform: translateY(0px) translateX(0px); }
  50% { transform: translateY(-6px) translateX(2px); }
}

@keyframes float-icon-2 {
  0%, 100% { transform: translateY(0px) translateX(0px); }
  50% { transform: translateY(-5px) translateX(-2px); }
}

@keyframes float-icon-3 {
  0%, 100% { transform: translateY(0px) translateX(0px); }
  50% { transform: translateY(-7px) translateX(1px); }
}

/* Entrance animations */
@keyframes fade-up {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slide-in-left {
  from {
    opacity: 0;
    transform: translateX(-20px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

/* ============================================
   HERO SECTION ANIMATIONS
   ============================================ */

.hero-professional {
  position: relative;
  overflow: hidden;
}

/* Hero badge entrance */
.hero-badge {
  animation: fade-up 0.6s ease-out 0.1s both;
}

/* Hero title entrance */
.hero-title {
  animation: fade-up 0.7s ease-out 0.2s both;
}

/* Hero subtitle entrance */
.hero-subtitle {
  animation: fade-up 0.6s ease-out 0.35s both;
}

/* Hero support line - staggered animation */
.hero-support-line {
  animation: fade-up 0.6s ease-out 0.5s both;
}

.hero-support-line span {
  animation: fade-up 0.5s ease-out forwards;
}

.hero-support-line span:nth-child(1) { animation-delay: 0.55s; }
.hero-support-line span:nth-child(2) { animation-delay: 0.65s; }
.hero-support-line span:nth-child(3) { animation-delay: 0.75s; }
.hero-support-line span:nth-child(4) { animation-delay: 0.85s; }

/* Hero buttons entrance - staggered */
.hero-buttons {
  animation: fade-up 0.6s ease-out 0.7s both;
}

.btn-hero {
  transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.btn-hero:hover {
  transform: translateY(-3px);
}

.btn-hero-primary:hover {
  box-shadow: 0 8px 24px rgba(6, 43, 111, 0.4);
}

.btn-hero-secondary:hover {
  box-shadow: 0 8px 24px rgba(237, 28, 36, 0.4);
}

/* Banner image with subtle parallax effect */
.hero-banner-image {
  animation: fade-in 0.8s ease-out forwards;
  transition: transform 0.3s ease-out;
}

/* Subtle scale on desktop hover */
@media (hover: hover) and (pointer: fine) {
  .hero-professional:hover .hero-banner-image {
    transform: scale(1.02);
  }
}

/* ============================================
   PROFESSIONAL FORM ANIMATIONS
   ============================================ */

.professional-form-card {
  animation: fade-up 0.7s ease-out 0.3s both;
}

.form-card-header {
  animation: fade-up 0.6s ease-out 0.4s both;
}

.form-fields-section {
  animation: fade-up 0.6s ease-out 0.5s both;
}

.form-field-group {
  animation: fade-up 0.5s ease-out forwards;
}

.form-field-group:nth-child(1) { animation-delay: 0.55s; }
.form-field-group:nth-child(2) { animation-delay: 0.6s; }
.form-field-group:nth-child(3) { animation-delay: 0.65s; }
.form-field-group:nth-child(4) { animation-delay: 0.7s; }
.form-field-group:nth-child(5) { animation-delay: 0.75s; }
.form-field-group:nth-child(6) { animation-delay: 0.8s; }

/* Form button hover effect */
.btn-submit-professional {
  transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.btn-submit-professional:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(6, 43, 111, 0.35);
}

.btn-submit-secondary {
  transition: all 0.3s ease-out;
}

.btn-submit-secondary:hover {
  transform: translateY(-2px);
  background: #efefef;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

/* ============================================
   PROFESSIONAL VISUAL ANIMATIONS
   ============================================ */

.professional-visual-area {
  animation: fade-up 0.7s ease-out 0.4s both;
}

.professional-advisor-image {
  animation: fade-in 0.8s ease-out 0.5s both;
}

/* Gentle floating animation for advisor image */
.professional-advisor-image img {
  animation: float-gentle 4s ease-in-out infinite 0.6s;
}

/* Advisor badge entrance */
.advisor-badge {
  animation: fade-up 0.6s ease-out 0.7s both;
  transition: all 0.3s ease-out;
}

@media (hover: hover) and (pointer: fine) {
  .advisor-badge:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(21, 87, 176, 0.3);
  }
}

/* Trust indicators staggered entrance */
.trust-indicators {
  animation: fade-up 0.6s ease-out 0.8s both;
}

.trust-indicator {
  animation: slide-in-left 0.5s ease-out forwards;
}

.trust-indicator:nth-child(1) { animation-delay: 0.85s; }
.trust-indicator:nth-child(2) { animation-delay: 0.95s; }
.trust-indicator:nth-child(3) { animation-delay: 1.05s; }
.trust-indicator:nth-child(4) { animation-delay: 1.15s; }
.trust-indicator:nth-child(5) { animation-delay: 1.25s; }

/* ============================================
   FLOATING ICON ANIMATIONS
   ============================================ */

.hero-icon-1 {
  animation: float-icon-1 5s ease-in-out infinite;
}

.hero-icon-2 {
  animation: float-icon-2 6s ease-in-out infinite;
}

.hero-icon-3 {
  animation: float-icon-3 5.5s ease-in-out infinite;
}

/* ============================================
   FORM INFO BOX ANIMATION
   ============================================ */

.form-info-box {
  animation: fade-up 0.6s ease-out 0.9s both;
  transition: all 0.3s ease-out;
}

@media (hover: hover) and (pointer: fine) {
  .form-info-box:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 16px rgba(21, 87, 176, 0.2);
  }
}

/* ============================================
   ACCESSIBILITY - RESPECT REDUCED MOTION
   ============================================ */

@media (prefers-reduced-motion: reduce) {
  /* Disable all animations for users who prefer reduced motion */
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  
  /* Keep hover effects instant but smooth */
  .btn-hero,
  .btn-submit-professional,
  .btn-submit-secondary,
  .advisor-badge,
  .form-info-box {
    transition: all 0.1s ease-out;
  }
  
  /* Disable continuous floating animations */
  .professional-advisor-image img,
  .hero-icon-1,
  .hero-icon-2,
  .hero-icon-3 {
    animation: none !important;
  }
}

/* ============================================
   MOBILE PERFORMANCE OPTIMIZATION
   ============================================ */

@media (max-width: 768px) {
  /* Reduce animation complexity on mobile */
  .hero-badge,
  .hero-title,
  .hero-subtitle,
  .hero-support-line,
  .hero-buttons {
    animation: none;
    opacity: 1;
    transform: none;
  }
  
  /* Simplify form animations on mobile */
  .professional-form-card,
  .professional-visual-area {
    animation: none;
    opacity: 1;
    transform: none;
  }
  
  /* Disable floating animations on mobile for performance */
  .professional-advisor-image img,
  .hero-icon-1,
  .hero-icon-2,
  .hero-icon-3 {
    animation: none;
  }
  
  /* Keep only button hover effects on mobile */
  .btn-hero:hover,
  .btn-submit-professional:hover,
  .btn-submit-secondary:hover {
    transform: none;
  }
}


/* ============================================
   HERO VISUAL - FINAL LOCAL OVERRIDE
   Only affects the homepage hero visual.
   ============================================ */
.hero-professional {
  min-height: 540px;
  background: linear-gradient(135deg, #f8fbff 0%, #ffffff 55%, #eef7ff 100%);
}
.hero-professional .hero-banner-image {
  display: none;
}
.hero-professional .hero-overlay {
  position: relative;
  z-index: 2;
}
.hero-professional .hero-content-wrapper {
  min-height: 540px;
  grid-template-columns: minmax(0, 0.95fr) minmax(420px, 1.05fr);
  gap: 20px;
  padding: 35px 0;
}
.hero-professional .hero-left {
  position: relative;
  z-index: 5;
  gap: 14px;
}
.hero-professional .hero-badge {
  margin-bottom: 2px;
}
.hero-professional .hero-title {
  font-size: clamp(2.45rem, 4vw, 3.65rem);
  max-width: 720px;
}
.hero-professional .hero-subtitle {
  margin-top: 2px;
}
.hero-professional .hero-buttons {
  margin-top: 8px;
  margin-bottom: 0;
}
.hero-professional .hero-right {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 0;
  position: relative;
  z-index: 3;
}
.hero-visual-frame {
  position: relative;
  width: min(100%, 650px);
  animation: hero-visual-enter 0.8s ease-out both;
}
.hero-visual-image {
  display: block;
  width: 100%;
  height: auto;
  filter: drop-shadow(0 18px 30px rgba(6,43,111,.12));
}
.hero-trust-card {
  position: absolute;
  right: 1%;
  bottom: 4%;
  width: 155px;
  min-height: 145px;
  padding: 18px 14px;
  border-radius: 16px;
  background: #062b6f;
  color: #fff;
  box-shadow: 0 14px 30px rgba(6,43,111,.24);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  animation: hero-trust-float 3.8s ease-in-out infinite;
}
.hero-trust-card .trust-label,
.hero-trust-card .trust-subtitle {
  display: block;
  font-size: .78rem;
  line-height: 1.3;
}
.hero-trust-card strong {
  display: block;
  font-size: 1.55rem;
  margin: 3px 0;
  color: #fff;
}
.hero-trust-card .trust-stars {
  color: #ffd21c;
  letter-spacing: 2px;
  font-size: 1rem;
  margin-top: 7px;
}
@keyframes hero-visual-enter {
  from { opacity: 0; transform: translateX(28px) scale(.98); }
  to { opacity: 1; transform: translateX(0) scale(1); }
}
@keyframes hero-trust-float {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
@media (max-width: 1024px) {
  .hero-professional { min-height: 0; }
  .hero-professional .hero-content-wrapper {
    min-height: 0;
    grid-template-columns: 1fr;
    padding: 45px 0 35px;
  }
  .hero-professional .hero-left { text-align: center; align-items: center; }
  .hero-professional .hero-support-line { justify-content: center; }
  .hero-professional .hero-right { max-width: 720px; width: 100%; margin: 0 auto; }
}
@media (max-width: 600px) {
  .hero-professional .hero-content-wrapper { padding: 30px 0 25px; }
  .hero-professional .hero-title { font-size: 2rem; }
  .hero-professional .hero-support-line { gap: 10px; }
  .hero-visual-frame { width: 100%; }
  .hero-trust-card { width: 128px; min-height: 120px; padding: 12px 10px; right: 0; bottom: 2%; }
  .hero-trust-card strong { font-size: 1.25rem; }
  .hero-trust-card .trust-stars { font-size: .85rem; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-visual-frame,
  .hero-trust-card { animation: none; }
}

/* =========================================================
   GRV HOMEPAGE HERO — FINAL POLISH
   Scoped only to the homepage hero.
   ========================================================= */
.grv-home-hero{
  position:relative;
  overflow:hidden;
  background:linear-gradient(110deg,#f8fbff 0%,#eef6ff 55%,#f7fbff 100%);
  padding:26px 0 0;
  isolation:isolate;
}
.grv-home-hero::before{
  content:"";position:absolute;width:620px;height:620px;right:-170px;top:-250px;
  background:radial-gradient(circle,rgba(24,93,180,.13),rgba(24,93,180,0) 68%);
  animation:grvHeroGlow 9s ease-in-out infinite alternate;pointer-events:none;
}
.grv-home-hero::after{
  content:"";position:absolute;width:420px;height:420px;left:-210px;bottom:-260px;
  background:radial-gradient(circle,rgba(239,43,45,.055),rgba(239,43,45,0) 70%);
  pointer-events:none;
}
.grv-hero-inner{
  display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,1fr);
  align-items:center;gap:34px;min-height:390px;position:relative;z-index:2;
}
.grv-hero-copy{padding:8px 0 18px;position:relative;z-index:3;min-width:0}
.grv-hero-copy h1{
  margin:0 0 13px;color:#ef2b2d;font-size:clamp(2.45rem,3.25vw,3.45rem);
  line-height:1.08;font-weight:800;letter-spacing:-.035em;max-width:680px;
}
.grv-hero-copy h1 .hero-blue{color:#0d3478}
.grv-hero-copy h1 span:not(.hero-blue){color:#ef2b2d}
.grv-hero-subtitle{font-size:1.02rem;color:#25384e;margin:0 0 10px;font-weight:500}
.grv-hero-points{display:flex;gap:14px;flex-wrap:nowrap;color:#25384e;font-size:.84rem;margin:0 0 20px;white-space:nowrap}
.grv-hero-points span{display:inline-flex;align-items:center;gap:5px}
.grv-hero-points i{color:#ef2b2d;font-size:.76rem}
.grv-hero-actions{display:flex;gap:14px;align-items:center}
.grv-hero-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:7px;font-weight:700;text-decoration:none!important;transition:transform .25s ease,box-shadow .25s ease,background .25s ease;color:#fff!important}
.grv-hero-btn:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(13,52,120,.18)}
.grv-hero-btn-primary{background:#0d3478}.grv-hero-btn-primary:hover{background:#0a2860}
.grv-hero-btn-orange{background:#ff6500}.grv-hero-btn-orange:hover{background:#e95500}
.grv-hero-art{position:relative;min-height:390px;display:flex;align-items:center;justify-content:center;padding:0 4px 0 0}
.grv-hero-photo-wrap{position:relative;width:min(100%,780px);margin-left:auto;animation:grvHeroFloat 5.5s ease-in-out infinite}
.grv-hero-photo{
  display:block;width:100%;height:auto;max-height:315px;object-fit:cover;object-position:center;
  filter:drop-shadow(0 18px 30px rgba(13,52,120,.14));animation:grvHeroZoom 9s ease-in-out infinite alternate;
  transform-origin:center center;border-radius:4px;
}
.grv-float-icon{position:absolute;width:52px;height:52px;border-radius:50%;background:rgba(255,255,255,.97);border:1px solid rgba(13,52,120,.08);box-shadow:0 8px 22px rgba(13,52,120,.12);display:flex;align-items:center;justify-content:center;font-size:20px;color:#0d3478;animation:grvIconFloat 4.2s ease-in-out infinite}
.grv-icon-home{left:8%;top:4%;animation-delay:-.5s}.grv-icon-heart{left:1%;top:55%;color:#ef2b2d;animation-delay:-1.7s}.grv-icon-car{right:8%;top:15%;animation-delay:-2.5s}.grv-icon-umbrella{right:1%;top:50%;animation-delay:-.9s}.grv-icon-education{right:10%;bottom:1%;animation-delay:-3.1s}
.grv-trust-card{position:absolute;right:0;bottom:6px;width:185px;min-height:120px;padding:17px 18px 14px;background:#0d3478;color:#fff;border-radius:12px;box-shadow:0 16px 30px rgba(13,52,120,.22);display:flex;flex-direction:column;justify-content:center;z-index:5;animation:grvTrustFloat 4.5s ease-in-out infinite}
.grv-trust-card small{font-size:.85rem;opacity:.95}.grv-trust-card strong{font-size:1.65rem;line-height:1.1;margin:3px 0}.grv-trust-card span{font-size:.82rem}.grv-trust-card div{color:#ffd000;letter-spacing:2px;font-size:1.05rem;margin-top:7px}
.grv-hero-benefits{position:relative;z-index:6;display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:11px 11px 0 0;box-shadow:0 -2px 14px rgba(13,52,120,.06);overflow:hidden;margin-top:-2px}
.grv-hero-benefits>div{min-height:70px;display:flex;align-items:center;gap:12px;padding:12px 18px;border-right:1px solid #e4e9f0}.grv-hero-benefits>div:last-child{border-right:0}
.grv-hero-benefits i{width:34px;height:34px;display:flex;align-items:center;justify-content:center;color:#0d3478;font-size:18px;background:#edf4ff;border-radius:50%}
.grv-hero-benefits span{display:flex;flex-direction:column;gap:2px}.grv-hero-benefits b{font-size:.83rem;color:#0d3478}.grv-hero-benefits small{font-size:.72rem;color:#66758a}
@keyframes grvHeroFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-5px)}}
@keyframes grvHeroZoom{0%{transform:scale(1)}100%{transform:scale(1.035)}}
@keyframes grvIconFloat{0%,100%{transform:translateY(0) rotate(0)}50%{transform:translateY(-8px) rotate(2deg)}}
@keyframes grvTrustFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
@keyframes grvHeroGlow{0%{transform:translate3d(0,0,0) scale(1)}100%{transform:translate3d(-25px,20px,0) scale(1.08)}}
@media (max-width: 991px){
  .grv-home-hero{padding-top:22px}
  .grv-hero-inner{grid-template-columns:1fr;gap:4px;min-height:0}
  .grv-hero-copy{text-align:center;padding-bottom:8px}
  .grv-hero-copy h1{max-width:760px;margin-left:auto;margin-right:auto}
  .grv-hero-points{justify-content:center;white-space:normal;flex-wrap:wrap}
  .grv-hero-actions{justify-content:center}
  .grv-hero-art{min-height:340px;padding:0}
  .grv-hero-photo-wrap{margin:auto;width:min(100%,760px)}
  .grv-hero-benefits{grid-template-columns:repeat(2,1fr)}
  .grv-hero-benefits>div:nth-child(2){border-right:0}
  .grv-hero-benefits>div:nth-child(-n+2){border-bottom:1px solid #e4e9f0}
}
@media (max-width: 575px){
  .grv-home-hero{padding-top:16px}
  .grv-hero-copy h1{font-size:2.05rem;line-height:1.1}
  .grv-hero-subtitle{font-size:.92rem}
  .grv-hero-points{font-size:.76rem;gap:8px 12px}
  .grv-hero-actions{flex-direction:column;gap:10px}
  .grv-hero-btn{width:100%;max-width:300px}
  .grv-hero-art{min-height:245px}
  .grv-hero-photo-wrap{width:100%}
  .grv-float-icon{width:38px;height:38px;font-size:14px}
  .grv-trust-card{width:135px;min-height:92px;padding:11px 12px;right:0;bottom:0}
  .grv-trust-card strong{font-size:1.2rem}.grv-trust-card small,.grv-trust-card span{font-size:.68rem}.grv-trust-card div{font-size:.78rem;margin-top:3px}
  .grv-hero-benefits{grid-template-columns:1fr}
  .grv-hero-benefits>div{border-right:0!important;border-bottom:1px solid #e4e9f0!important;min-height:58px;padding:9px 14px}
  .grv-hero-benefits>div:last-child{border-bottom:0!important}
  .grv-hero-benefits i{width:30px;height:30px;font-size:15px}
}
@media (prefers-reduced-motion: reduce){.grv-home-hero *{animation:none!important;scroll-behavior:auto!important}}

/* V3 managed content enhancements */
.testimonial-photo{object-fit:cover!important;object-position:center!important;border:2px solid #fff;box-shadow:0 2px 8px rgba(0,0,0,.12)}
.partner-card{min-height:82px;background:#fff;border:1px solid #e7edf5;border-radius:12px;display:flex;align-items:center;justify-content:center;padding:14px;box-shadow:0 3px 12px rgba(13,71,161,.06)}
.partner-card img{max-width:145px;max-height:52px;width:auto;height:auto;object-fit:contain}
.partner-card span{font-weight:800;color:#0d47a1;font-size:18px}
.grv-counter-card{transition:transform .2s ease,box-shadow .2s ease}.grv-counter-card:hover{transform:translateY(-3px);box-shadow:0 8px 20px rgba(13,71,161,.12)!important}

.media-thumb{width:80px;height:55px;object-fit:cover;border-radius:7px;border:1px solid #e4eaf3}.managed-page-content{line-height:1.8;color:#475569}.managed-page-content p{margin:0 0 12px}


/* GRV CLEAN BREADCRUMBS */
.grv-breadcrumb-wrap {
    background: #f7f9fc;
    border-top: 1px solid #eef2f7;
    border-bottom: 1px solid #e8edf4;
    padding: 14px 0;
    margin: 0;
}
.grv-breadcrumb-list {
    display: flex !important;
    align-items: center;
    flex-wrap: wrap;
    gap: 0;
    list-style: none !important;
    list-style-type: none !important;
    margin: 0 !important;
    padding: 0 !important;
}
.grv-breadcrumb-list > li {
    list-style: none !important;
    list-style-type: none !important;
    margin: 0;
    padding: 0;
}
.grv-breadcrumb-item {
    font-size: 14px;
    line-height: 1.4;
    color: #64748b;
}
.grv-breadcrumb-item a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #1764c0;
    text-decoration: none;
    font-weight: 600;
}
.grv-breadcrumb-item a:hover {
    color: #0d47a1;
    text-decoration: none;
}
.grv-breadcrumb-current {
    color: #334155;
    font-weight: 600;
}
.grv-breadcrumb-separator {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #94a3b8;
    font-size: 9px;
    margin: 0 10px !important;
}


/* GRV BREADCRUMB DISPLAY DISABLED */
.grv-breadcrumb-wrap, .breadcrumb, .breadcrumbs, nav[aria-label="Breadcrumb"] { display:none !important; }




/* GRV AUTO CAROUSEL V24.1 */
.grv-auto-carousel-v24 { overflow: hidden !important; position: relative; }
.grv-auto-carousel-v24 .grv-slider-viewport { overflow: hidden !important; width: 100%; }
.grv-auto-carousel-v24 .grv-slider-track {
    display: flex !important;
    flex-wrap: nowrap !important;
    align-items: stretch;
    transition: transform 900ms ease-in-out;
    will-change: transform;
}
.grv-auto-carousel-v24 .grv-slide {
    box-sizing: border-box;
}
.grv-auto-carousel-v24 .grv-slider-btn,
.grv-auto-carousel-v24 .grv-slider-dots {
    display: none !important;
}
.testimonials-slider .grv-slide .testimonial-card,
.partners-slider .grv-slide .partner-card,
.partners-slider .grv-slide .partner-placeholder {
    height: 100%;
}
@media (max-width: 767px) {
    .grv-auto-carousel-v24 .grv-slider-track { transition-duration: 700ms; }
}
@media (prefers-reduced-motion: reduce) {
    .grv-auto-carousel-v24 .grv-slider-track { transition: none !important; }
}


/* GRV PROFESSIONAL HEADER FIX */
.navbar-main .container{gap:14px;min-width:0}
.navbar-brand{flex:0 0 auto}
.logo-image{height:56px;max-width:180px}
.navbar-nav{gap:17px;flex:1;justify-content:center;min-width:0}
.navbar-nav .nav-link{font-size:.9rem;white-space:nowrap}
.header-ctas{flex:0 0 auto;gap:8px}
.btn-track-status{min-height:42px;padding:0 13px;font-size:.82rem}
.btn-apply-now{padding:10px 18px;white-space:nowrap}
@media(max-width:1180px) and (min-width:901px){
 .navbar-main .container{padding:0 12px;gap:8px}
 .logo-image{height:52px;max-width:165px}
 .navbar-nav{gap:12px}
 .navbar-nav .nav-link{font-size:.82rem}
 .btn-track-status{padding:0 10px;font-size:.76rem}
 .btn-apply-now{padding:9px 14px;font-size:.85rem}
}
@media(max-width:900px){
 .navbar-main .container{flex-wrap:wrap}
 .navbar-nav{order:3;flex-basis:100%;justify-content:flex-start;overflow-x:auto;padding-bottom:4px}
 .header-ctas{margin-left:auto}
}


/* GRV TESTIMONIAL CARD FINAL FIT - exact 4-card fit inside viewport */
.testimonials-slider .grv-slider-viewport { overflow: hidden !important; width: 100% !important; }
.testimonials-slider .grv-slider-track { gap: 20px !important; }
.testimonials-slider .grv-slide { box-sizing: border-box !important; flex-shrink: 0 !important; }
.testimonials-slider .testimonial-card { box-sizing: border-box !important; width: 100% !important; max-width: 100% !important; overflow: hidden; }
@media (min-width: 1200px) {
  .testimonials-slider .grv-slide { flex-basis: calc((100% - 60px) / 4) !important; min-width: calc((100% - 60px) / 4) !important; }
}
@media (min-width: 768px) and (max-width: 1199px) {
  .testimonials-slider .grv-slide { flex-basis: calc((100% - 20px) / 2) !important; min-width: calc((100% - 20px) / 2) !important; }
}
@media (max-width: 767px) {
  .testimonials-slider .grv-slide { flex-basis: 100% !important; min-width: 100% !important; }
}


/* GRV PARTNER CAROUSEL V25 */
.partners-slider {
    width: 100%;
    max-width: 100%;
    overflow: hidden !important;
}
.partners-slider .grv-slider-viewport {
    width: 100%;
    max-width: 100%;
    overflow: hidden !important;
}
.partners-slider .grv-slider-track {
    display: flex !important;
    flex-wrap: nowrap !important;
    align-items: stretch;
}
.partners-slider .grv-slide {
    min-width: 0;
    box-sizing: border-box;
}
.partners-slider .partner-card,
.partners-slider .partner-placeholder {
    width: 100%;
    min-width: 0;
    box-sizing: border-box;
}

/* =========================================================
   GRV BANK / NBFC PROFESSIONAL PRODUCT DESIGN SYSTEM v2
   Applied only to selected product/tool/legal pages.
   ========================================================= */
:root{--grv-navy:#0b3478;--grv-blue:#1557b0;--grv-blue2:#0f4da5;--grv-red:#ef3434;--grv-orange:#f58220;--grv-ink:#14233b;--grv-muted:#667085;--grv-bg:#f5f8fc;--grv-line:#e3eaf3}
.page-personal-loan,.page-business-loan,.page-home-loan,.page-vehicle-finance,.page-loan-against-property,.page-fixed-deposit,.page-recurring-deposit,.page-insurance-services,.page-emi-schedule,.page-eligibility-checker{background:#f7f9fc}
.page-personal-loan .hero,.page-business-loan .hero,.page-home-loan .hero,.page-vehicle-finance .hero,.page-loan-against-property .hero,.page-fixed-deposit .hero,.page-recurring-deposit .hero,.page-insurance-services .hero,.page-emi-schedule .hero,.page-eligibility-checker .hero{padding:72px 0 78px!important;background:linear-gradient(120deg,#0b3f91 0%,#184fa7 52%,#0b3478 100%)!important;position:relative;overflow:hidden}
.page-personal-loan .hero:after,.page-business-loan .hero:after,.page-home-loan .hero:after,.page-vehicle-finance .hero:after,.page-loan-against-property .hero:after,.page-fixed-deposit .hero:after,.page-recurring-deposit .hero:after,.page-insurance-services .hero:after,.page-emi-schedule .hero:after,.page-eligibility-checker .hero:after{content:"";position:absolute;width:420px;height:420px;border:70px solid rgba(255,255,255,.06);border-radius:50%;right:-150px;top:-170px}
.page-personal-loan .hero h1,.page-business-loan .hero h1,.page-home-loan .hero h1,.page-vehicle-finance .hero h1,.page-loan-against-property .hero h1,.page-fixed-deposit .hero h1,.page-recurring-deposit .hero h1,.page-insurance-services .hero h1,.page-emi-schedule .hero h1,.page-eligibility-checker .hero h1{font-size:clamp(2.2rem,4vw,3.25rem);font-weight:800;letter-spacing:-.7px;margin:0}.page-personal-loan .hero .lead,.page-business-loan .hero .lead,.page-home-loan .hero .lead,.page-vehicle-finance .hero .lead,.page-loan-against-property .hero .lead,.page-fixed-deposit .hero .lead,.page-recurring-deposit .hero .lead,.page-insurance-services .hero .lead,.page-emi-schedule .hero .lead,.page-eligibility-checker .hero .lead{font-size:1.05rem;max-width:720px;margin:14px auto 0!important}
.grv-product-overview{padding:68px 0 30px;background:#fff}.grv-product-heading{text-align:center;max-width:820px;margin:0 auto 38px}.grv-eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--grv-blue);background:#edf5ff;border:1px solid #d6e7ff;border-radius:999px;padding:7px 14px;font-size:.82rem;font-weight:800;text-transform:uppercase;letter-spacing:.6px}.grv-product-heading h2{color:var(--grv-ink);font-size:clamp(1.7rem,3vw,2.35rem);margin:15px 0 10px;font-weight:800}.grv-product-heading p{color:var(--grv-muted);font-size:1rem;line-height:1.7;margin:0}.grv-benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grv-benefit-card{background:#fff;border:1px solid var(--grv-line);border-radius:14px;padding:22px;display:flex;gap:14px;align-items:flex-start;box-shadow:0 8px 24px rgba(15,45,90,.06);transition:.2s}.grv-benefit-card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(15,45,90,.1)}.grv-benefit-icon{width:38px;height:38px;min-width:38px;border-radius:11px;background:#eaf3ff;color:var(--grv-blue);display:grid;place-items:center}.grv-benefit-card h3{font-size:1rem;color:var(--grv-navy);margin:1px 0 6px;font-weight:800}.grv-benefit-card p{font-size:.84rem;line-height:1.55;color:var(--grv-muted);margin:0}.grv-process-strip{margin:30px 0 0;background:#0d397f;border-radius:14px;padding:18px 24px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:14px;box-shadow:0 12px 28px rgba(11,52,120,.16)}.grv-process-strip div{display:flex;align-items:center;gap:10px;font-size:.9rem;font-weight:700}.grv-process-strip b{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:#fff;color:var(--grv-blue);font-size:.75rem}.grv-process-strip i{opacity:.55}
.page-personal-loan .section,.page-business-loan .section,.page-home-loan .section,.page-vehicle-finance .section,.page-loan-against-property .section,.page-fixed-deposit .section,.page-recurring-deposit .section,.page-insurance-services .section,.page-emi-schedule .section,.page-eligibility-checker .section{padding:55px 0!important;background:#f5f8fc!important}.form-professional-container{gap:30px!important;align-items:stretch}.professional-form-card{border:1px solid #dfe7f2!important;border-radius:18px!important;box-shadow:0 14px 40px rgba(15,45,90,.09)!important;overflow:hidden}.form-card-header{background:linear-gradient(135deg,#f1f6ff,#fff)!important;border-bottom:1px solid #e3eaf3!important;padding:28px 30px!important}.form-card-header h2{font-size:1.55rem!important;color:var(--grv-navy)!important}.form-card-header p{color:var(--grv-muted)!important}.form-fields-section{padding:26px 30px 30px!important}.form-field-group label{color:#193d76!important;font-weight:700!important;font-size:.86rem!important}.form-field-group input,.form-field-group select,.form-field-group textarea{border:1px solid #d6dfeb!important;border-radius:9px!important;min-height:46px!important;background:#fff!important;transition:.2s}.form-field-group input:focus,.form-field-group select:focus,.form-field-group textarea:focus{border-color:#2776d8!important;box-shadow:0 0 0 3px rgba(39,118,216,.1)!important;outline:none}.btn-submit-professional{background:linear-gradient(135deg,#1557b0,#0b3478)!important;border-radius:8px!important;min-height:48px!important;padding:0 24px!important;font-weight:800!important;box-shadow:0 8px 18px rgba(11,52,120,.2)!important}.professional-visual-area{border-radius:18px!important;background:linear-gradient(145deg,#eaf4ff,#f8fbff)!important;border:1px solid #dce8f6!important;padding:30px!important;box-shadow:0 14px 40px rgba(15,45,90,.07)!important}.professional-advisor-image{background:#fff!important;border-radius:16px!important;box-shadow:0 8px 24px rgba(15,45,90,.08)!important}.advisor-badge{background:#0d397f!important;border-radius:10px!important}.trust-indicator{color:#345!important}.form-info-box{border-radius:10px!important;background:#eef6ff!important;border-left-color:#1557b0!important}
/* Calculator result cards */
.page-emi-schedule #emiForm:before{content:'Adjust the inputs below to compare your estimated monthly repayment.';display:block;color:#667085;font-size:.9rem;margin:0 0 18px}.page-emi-schedule #emiResult,.page-emi-schedule #totalInterest,.page-emi-schedule #totalAmount,.page-emi-schedule #savings{letter-spacing:-.5px}.page-emi-schedule .professional-form-card+div{border:1px solid #dfe7f2!important;border-radius:18px!important;box-shadow:0 14px 40px rgba(15,45,90,.09)!important}.page-eligibility-checker #eligibilityResult{border-radius:12px!important}
/* Legal pages */
.page-privacy-policy,.page-terms-conditions,.page-disclaimer,.page-refund-policy,.page-download-forms{background:#f5f8fc}.page-privacy-policy .section,.page-terms-conditions .section,.page-disclaimer .section,.page-refund-policy .section,.page-download-forms .section{padding:55px 0!important}.page-privacy-policy .section .container>div,.page-terms-conditions .section .container>div,.page-disclaimer .section .container>div,.page-refund-policy .section .container>div{max-width:980px!important;border:1px solid #dfe7f2!important;border-radius:18px!important;box-shadow:0 12px 35px rgba(15,45,90,.07)!important;padding:38px!important}.page-privacy-policy .section .container>div:before,.page-terms-conditions .section .container>div:before,.page-disclaimer .section .container>div:before,.page-refund-policy .section .container>div:before{content:'GRV MICROFINANCE • OFFICIAL POLICY';display:block;color:#1557b0;font-size:.75rem;font-weight:800;letter-spacing:1px;border-bottom:1px solid #e4eaf2;padding-bottom:13px;margin-bottom:24px}.page-privacy-policy h2,.page-terms-conditions h2,.page-disclaimer h2,.page-refund-policy h2{font-size:1.2rem!important;color:#0d397f!important;padding-top:8px;border-bottom:1px solid #edf1f6;padding-bottom:9px}.page-download-forms .section .container{max-width:1000px}.page-download-forms h1{font-size:2.2rem!important;font-weight:800}.page-download-forms .section .container>div{border:1px solid #dfe7f2!important;border-radius:16px!important;box-shadow:0 10px 28px rgba(15,45,90,.07)!important}
@media(max-width:1000px){.grv-benefit-grid{grid-template-columns:repeat(2,1fr)}.grv-process-strip{flex-wrap:wrap;justify-content:center}.grv-process-strip i{display:none}}
@media(max-width:700px){.grv-product-overview{padding:48px 0 20px}.grv-benefit-grid{grid-template-columns:1fr}.grv-process-strip{display:grid;grid-template-columns:1fr 1fr;padding:18px}.grv-process-strip div{justify-content:flex-start}.form-fields-section,.form-card-header{padding-left:20px!important;padding-right:20px!important}.page-privacy-policy .section .container>div,.page-terms-conditions .section .container>div,.page-disclaimer .section .container>div,.page-refund-policy .section .container>div{padding:24px!important}.page-personal-loan .hero,.page-business-loan .hero,.page-home-loan .hero,.page-vehicle-finance .hero,.page-loan-against-property .hero,.page-fixed-deposit .hero,.page-recurring-deposit .hero,.page-insurance-services .hero,.page-emi-schedule .hero,.page-eligibility-checker .hero{padding:52px 0 58px!important}}


/* =========================================================
   GRV MOBILE HEADER/TOPBAR FIX
   Mobile only — desktop/tablet styles are intentionally untouched.
   ========================================================= */
@media (max-width: 767px){
    .topbar{
        padding:8px 0;
        font-size:11px;
    }
    .topbar .container{
        display:grid;
        grid-template-columns:minmax(0,1fr) auto;
        align-items:center;
        column-gap:10px;
        width:100%;
        max-width:100%;
        padding-left:10px;
        padding-right:10px;
    }
    .topbar-left{
        display:flex;
        flex-direction:column;
        align-items:flex-start;
        justify-content:center;
        gap:5px;
        min-width:0;
    }
    .topbar-left span,
    .topbar-left a{
        max-width:100%;
        overflow:hidden;
        text-overflow:ellipsis;
        white-space:nowrap;
        gap:5px;
        line-height:1.2;
    }
    .topbar-left i{width:13px;text-align:center}
    .topbar-right{
        display:flex;
        flex-direction:column;
        align-items:flex-end;
        justify-content:center;
        gap:6px;
        min-width:72px;
        white-space:nowrap;
    }
    .topbar-right span{
        font-size:10px;
        line-height:1;
    }
    .topbar-right a{
        display:inline-flex;
        align-items:center;
        justify-content:center;
        font-size:14px;
        line-height:1;
    }
    .topbar-right{
        /* icons stay on one horizontal side */
        flex-direction:row;
        flex-wrap:wrap;
        width:92px;
        gap:7px;
    }
    .topbar-right span{
        flex:0 0 100%;
        text-align:right;
    }

    /* Make the mobile menu button reliably clickable above the header. */
    .navbar-main .mobile-nav-toggle{
        position:relative;
        z-index:10050;
        pointer-events:auto;
        touch-action:manipulation;
        cursor:pointer;
    }
    .navbar-main .navbar-nav.mobile-open{
        display:flex !important;
    }
}

@media (max-width: 480px){
    .topbar .container{
        grid-template-columns:minmax(0,1fr) 82px;
        column-gap:6px;
    }
    .topbar-left{
        gap:4px;
    }
    .topbar-right{
        width:82px;
        gap:6px;
    }
    .topbar-right a{font-size:13px}
    .topbar-right span{font-size:9px}
}

/* =========================================================
   GRV RESPONSIVE SYSTEM v108
   Mobile + tablet first-class layout. Desktop preserved.
   Applies site-wide through shared classes/includes.
   ========================================================= */
html, body { max-width: 100%; overflow-x: hidden; }
img, svg, video, canvas { max-width: 100%; }
button, input, select, textarea { max-width: 100%; }
.container, .container-fluid { min-width: 0; }
.container > *, .section .container > *, .hero .container > * { min-width: 0; }

/* Desktop: keep the established layout. */
@media (min-width: 992px) {
    .navbar-main .mobile-nav-toggle { display: none !important; }
    .navbar-main .navbar-nav { display: flex !important; }
}

/* Tablet: compact professional header + responsive content. */
@media (min-width: 768px) and (max-width: 991px) {
    .container { max-width: 100%; padding-left: 18px; padding-right: 18px; }
    .topbar { padding: 7px 0; font-size: 12px; }
    .topbar .container { display: grid; grid-template-columns: minmax(0,1fr) auto; gap: 8px; }
    .topbar-left { gap: 8px 16px; flex-wrap: wrap; min-width: 0; }
    .topbar-right { gap: 9px; white-space: nowrap; }

    .navbar-main { padding: 10px 0; }
    .navbar-main .container { display: flex; flex-wrap: wrap; gap: 8px; padding-left: 18px; padding-right: 18px; }
    .navbar-brand { flex: 1 1 auto; min-width: 0; }
    .logo-image { height: 50px; max-width: 170px; }
    .header-ctas { order: 2; margin-left: auto; gap: 7px; }
    .btn-track-status { min-height: 40px; padding: 0 11px; font-size: 12px; }
    .btn-apply-now { min-height: 40px; padding: 9px 13px; font-size: 12px; }
    .mobile-nav-toggle { display: inline-flex !important; order: 3; width: 42px; height: 42px; }
    .navbar-nav { order: 10 !important; flex: 0 0 100% !important; width: 100%; display: none !important; flex-direction: column !important; align-items: stretch !important; gap: 0 !important; margin: 6px 0 0 !important; padding: 5px 0 !important; border-top: 1px solid #e8e8e8; background: #fff; }
    .navbar-nav.mobile-open { display: flex !important; }
    .navbar-nav > li { width: 100%; }
    .navbar-nav .nav-link { width: 100%; justify-content: space-between; padding: 11px 8px; font-size: 14px; }
    .navbar-nav .dropdown-menu { position: static; width: 100%; box-shadow: none; border: 0; border-radius: 0; background: #f7f9fc; display: none; }
    .navbar-nav .dropdown-menu.mobile-open { display: block !important; }

    .hero .container, .calc-container, .form-with-visual, .form-professional-container { grid-template-columns: 1fr !important; }
    .services-grid { grid-template-columns: repeat(3, minmax(0, 1fr)) !important; }
    .features-grid { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
    .grv-benefit-grid { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
    .footer-content { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
    .grv-hero-inner { grid-template-columns: 1fr !important; }
    .grv-hero-copy { text-align: center; }
    .grv-hero-points, .grv-hero-actions { justify-content: center; flex-wrap: wrap; }
    .grv-hero-art { min-height: 330px; }
}

/* Phone: compact header, true mobile navigation, single-column content. */
@media (max-width: 767px) {
    .container { width: 100%; max-width: 100%; padding-left: 14px !important; padding-right: 14px !important; }

    /* Compact topbar: never create the giant blue block seen previously. */
    .topbar { padding: 6px 0 !important; font-size: 10px !important; }
    .topbar .container { display: grid !important; grid-template-columns: minmax(0,1fr) auto !important; gap: 4px 8px !important; align-items: center !important; }
    .topbar-left { display: flex !important; flex-direction: row !important; flex-wrap: wrap !important; align-items: center !important; gap: 2px 10px !important; min-width: 0 !important; }
    .topbar-left span, .topbar-left a { display: inline-flex !important; max-width: 100%; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; line-height: 1.2; gap: 4px; }
    .topbar-left a:last-child { flex-basis: auto; }
    .topbar-right { display: flex !important; flex-direction: row !important; flex-wrap: wrap !important; justify-content: flex-end !important; align-items: center !important; gap: 5px !important; width: auto !important; min-width: 0 !important; }
    .topbar-right span { flex: 0 0 auto !important; font-size: 9px !important; }
    .topbar-right a { font-size: 11px !important; line-height: 1 !important; }

    /* Header: logo + hamburger first row; CTA row second; menu third. */
    .navbar-main { padding: 8px 0 !important; position: sticky; top: 0; z-index: 10000; }
    .navbar-main .container { display: grid !important; grid-template-columns: minmax(0,1fr) auto !important; grid-template-rows: auto auto auto !important; gap: 8px !important; align-items: center !important; padding-left: 14px !important; padding-right: 14px !important; }
    .navbar-brand { grid-column: 1; grid-row: 1; min-width: 0; }
    .logo-image { height: 48px !important; max-width: 165px !important; width: auto !important; }
    .mobile-nav-toggle { display: inline-flex !important; grid-column: 2; grid-row: 1; width: 42px !important; height: 42px !important; min-width: 42px !important; margin: 0 !important; position: relative; z-index: 10050; }
    .header-ctas { grid-column: 1 / -1; grid-row: 2; display: flex !important; justify-content: center !important; align-items: center !important; gap: 8px !important; width: 100% !important; margin: 0 !important; }
    .btn-track-status, .btn-apply-now { min-height: 40px !important; font-size: 12px !important; padding: 8px 12px !important; flex: 1 1 0 !important; max-width: 180px; }

    .navbar-nav { grid-column: 1 / -1 !important; grid-row: 3 !important; order: initial !important; display: none !important; flex-direction: column !important; align-items: stretch !important; width: 100% !important; gap: 0 !important; margin: 0 !important; padding: 5px 0 2px !important; border-top: 1px solid #e8e8e8; background: #fff; }
    .navbar-nav.mobile-open { display: flex !important; }
    .navbar-nav > li { width: 100% !important; display: block !important; }
    .navbar-nav .nav-link { display: flex !important; width: 100% !important; justify-content: space-between !important; align-items: center !important; padding: 11px 8px !important; min-height: 43px; font-size: 15px !important; line-height: 1.2; border-bottom: 1px solid #f0f2f5; }
    .navbar-nav .dropdown-menu { position: static !important; display: none !important; width: 100% !important; min-width: 0 !important; margin: 0 !important; padding: 0 0 3px !important; border: 0 !important; border-radius: 0 !important; box-shadow: none !important; background: #f7f9fc !important; }
    .navbar-nav .dropdown-menu.mobile-open { display: block !important; }
    .navbar-nav .dropdown-menu a { display: block !important; padding: 10px 24px !important; font-size: 14px !important; border-bottom: 1px solid #e7ecf2; }
    .navbar-nav .dropdown:hover .dropdown-menu { display: none !important; }
    .navbar-nav .dropdown:hover .dropdown-menu.mobile-open { display: block !important; }

    /* Global content safety. */
    .section, .calc-section, .form-container { padding-top: 42px !important; padding-bottom: 42px !important; }
    .section-title { margin-bottom: 28px !important; }
    .section-title h2 { font-size: 1.65rem !important; line-height: 1.2; }
    .section-title p { font-size: .9rem; }
    .services-grid, .features-grid, .compliance-grid, .testimonials-grid, .partners-grid, .grv-benefit-grid { grid-template-columns: 1fr !important; gap: 14px !important; }
    .service-card { padding: 18px 14px !important; }
    .service-icon { width: 54px; height: 54px; font-size: 1.7rem; }
    .calc-container, .form-with-visual, .form-professional-container { grid-template-columns: 1fr !important; gap: 20px !important; }
    .calc-box, .consultation-box, .form-card, .inquiry-form { padding: 20px !important; }
    .form-row { grid-template-columns: 1fr !important; gap: 0 !important; }
    .form-steps { gap: 12px !important; }
    .form-step { width: calc(50% - 6px) !important; }
    .form-control, .form-select, input, select, textarea { font-size: 16px; }
    .hero .container { grid-template-columns: 1fr !important; gap: 24px !important; }
    .hero-content h1, .hero-title { font-size: 1.8rem !important; line-height: 1.15 !important; }
    .hero-buttons, .grv-hero-actions { flex-direction: column !important; align-items: stretch !important; gap: 10px !important; }
    .btn-hero, .grv-hero-btn { width: 100% !important; justify-content: center !important; }
    .hero-support-line { flex-wrap: wrap !important; gap: 8px 12px !important; }
    .grv-hero-inner { grid-template-columns: 1fr !important; gap: 6px !important; min-height: 0 !important; }
    .grv-hero-copy { text-align: center; padding-bottom: 8px; }
    .grv-hero-copy h1 { font-size: 2rem !important; }
    .grv-hero-points { justify-content: center; flex-wrap: wrap; white-space: normal; gap: 7px 10px; font-size: .76rem; }
    .grv-hero-art { min-height: 245px !important; padding: 0 !important; }
    .grv-hero-photo-wrap { width: 100% !important; margin: 0 auto !important; }
    .grv-hero-photo { max-height: 240px !important; object-fit: cover; }
    .grv-float-icon { width: 38px !important; height: 38px !important; font-size: 14px !important; }
    .grv-trust-card { width: 135px !important; min-height: 92px !important; right: 0 !important; bottom: 0 !important; padding: 10px 11px !important; }
    .grv-trust-card strong { font-size: 1.15rem !important; }
    .grv-hero-benefits { grid-template-columns: 1fr !important; }
    .grv-hero-benefits > div { border-right: 0 !important; border-bottom: 1px solid #e4e9f0 !important; min-height: 56px !important; padding: 9px 12px !important; }

    /* Product/legal pages and wide content blocks. */
    .page-personal-loan .hero,.page-business-loan .hero,.page-home-loan .hero,.page-vehicle-finance .hero,.page-loan-against-property .hero,.page-fixed-deposit .hero,.page-recurring-deposit .hero,.page-insurance-services .hero,.page-emi-schedule .hero,.page-eligibility-checker .hero { padding: 48px 0 52px !important; }
    .page-personal-loan .hero h1,.page-business-loan .hero h1,.page-home-loan .hero h1,.page-vehicle-finance .hero h1,.page-loan-against-property .hero h1,.page-fixed-deposit .hero h1,.page-recurring-deposit .hero h1,.page-insurance-services .hero h1,.page-emi-schedule .hero h1,.page-eligibility-checker .hero h1 { font-size: 2rem !important; }
    .grv-product-overview { padding: 44px 0 20px !important; }
    .grv-process-strip { display: grid !important; grid-template-columns: 1fr !important; gap: 10px !important; padding: 16px !important; }
    .professional-form-card, .professional-visual-area { border-radius: 14px !important; }
    .form-card-header, .form-fields-section { padding-left: 18px !important; padding-right: 18px !important; }
    .page-privacy-policy .section .container>div,.page-terms-conditions .section .container>div,.page-disclaimer .section .container>div,.page-refund-policy .section .container>div { padding: 20px !important; border-radius: 14px !important; }

    /* Tables: preserve data without breaking viewport. */
    table { display: block; width: 100%; max-width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }
    th, td { white-space: nowrap; }
    .table-responsive { width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }

    /* Footer: compact one-column mobile presentation. */
    footer { padding: 42px 0 18px !important; }
    .footer-content { grid-template-columns: 1fr !important; gap: 24px !important; margin-bottom: 28px !important; }
    .footer-column { min-width: 0; }
    .footer-column h4 { margin-bottom: 12px !important; }
    .footer-links { gap: 10px 18px !important; }
    .footer-bottom { font-size: .78rem !important; }

    /* Floating support button must stay clear of browser/menu content. */
    .whatsapp-button { width: 52px !important; height: 52px !important; right: 14px !important; bottom: 16px !important; font-size: 1.45rem !important; z-index: 9990 !important; }
}

@media (max-width: 380px) {
    .logo-image { max-width: 145px !important; height: 44px !important; }
    .btn-track-status, .btn-apply-now { font-size: 11px !important; padding-left: 9px !important; padding-right: 9px !important; }
    .grv-hero-copy h1 { font-size: 1.78rem !important; }
}



/* Footer brand logo - user supplied white GRV Micro Finance logo */
.footer-column:first-child .footer-brand-logo,
.footer-brand-logo {
    display: block;
    width: 280px;
    max-width: 100%;
    height: auto !important;
    margin: 0 0 15px;
    object-fit: contain;
    object-position: left center;
}
@media (max-width: 700px) {
    .footer-column:first-child .footer-brand-logo,
    .footer-brand-logo {
        width: 240px;
        max-width: 100%;
        margin-bottom: 14px;
    }
}


/* GRV header logo - user supplied replacement */
.navbar-brand img,
.header-logo {
    display: block;
    width: 190px;
    max-width: 100%;
    height: auto;
    object-fit: contain;
}
@media (max-width: 700px) {
    .navbar-brand img,
    .header-logo {
        width: 150px;
        max-width: 68vw;
        height: auto;
    }
}