/* Shriram Modern — Premium financial theme
   Palette: Deep navy + gold accents
   Typography: Inter (UI), Playfair Display (display)
*/
.wpcf7-textarea{
	width: 100%;
}
.contact-form input, .contact-form textarea{
	width: 100%;
}
:root {
	--c-bg: #ffffff;
	--c-bg-soft: #f7f8fb;
	--c-navy-900: #468A76;
	--c-navy-800: #0f2147;
	--c-navy-700: #15305f;
	--c-navy-600: #1f4079;
	--c-text: #0f1a33;
	--c-muted: #5b6679;
	--c-border: #e5e8f0;
	--c-gold: #c9a24a;
	--c-gold-strong: #b88c2c;
	--c-gold-soft: #f5e9c8;
	--c-white: #ffffff;

	--radius-sm: 6px;
	--radius: 12px;
	--radius-lg: 20px;

	--shadow-sm: 0 1px 2px rgba(10,24,52,.06), 0 1px 3px rgba(10,24,52,.04);
	--shadow: 0 6px 20px rgba(10,24,52,.08);
	--shadow-lg: 0 20px 50px rgba(10,24,52,.18);

	--container: 1200px;
	--ff-sans: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
	--ff-display: 'Playfair Display', Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
	margin: 0;
	font-family: var(--ff-sans);
	color: var(--c-text);
	background: var(--c-bg);
	line-height: 1.6;
	-webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--c-navy-700); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--c-gold-strong); }

h1, h2, h3, h4 { font-family: var(--ff-display); color: var(--c-navy-900); margin: 0 0 .6em; line-height: 1.2; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 2.6vw, 2.4rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }

/* Skip link */
.screen-reader-text { position: absolute; left: -9999px; }
.skip-link:focus { left: 16px; top: 16px; background: var(--c-navy-900); color: #fff; padding: 8px 12px; border-radius: var(--radius-sm); z-index: 999; }

/* Top bar */
.topbar { background: var(--c-navy-900); color: #cfd6e6; font-size: .85rem; }
.topbar__inner { display: flex; justify-content: space-between; align-items: center; padding: 8px 24px; gap: 16px; flex-wrap: wrap; }
.topbar__left, .topbar__right { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.topbar__item, .topbar__link { color: #fff; display: inline-flex; align-items: center; gap: 6px; }
.topbar__item:hover, .topbar__link:hover { color: var(--c-gold); }
.topbar__icon { opacity: .9; }
@media (max-width: 640px) {.site-header .btn--gold{ display: none} .topbar__item--hide-sm { display: none; } }

/* Header */
.site-header {
	background: #fff;
	position: sticky;
	top: 0;
	z-index: 100;
	border-bottom: 1px solid var(--c-border);
	box-shadow: 0 1px 0 rgba(10,24,52,.03);
}
.site-header__inner { display: flex; align-items: center; gap: 24px; padding: 14px 24px; }
.site-branding { flex: 0 0 auto; }
.site-branding .custom-logo { max-height: 56px; width: auto; }
.site-title-link { display: flex; flex-direction: column; line-height: 1.1; }
.site-title { font-family: var(--ff-display); font-size: 1.5rem; font-weight: 700; color: var(--c-navy-900); letter-spacing: .02em; }
.site-description { font-size: .72rem; text-transform: uppercase; letter-spacing: .12em; color: var(--c-gold-strong); margin-top: 2px; }

.main-navigation { flex: 1; }
.primary-menu { display: flex; gap: 28px; list-style: none; padding: 0; margin: 0; justify-content: center; flex-wrap: wrap; }
.primary-menu a { color: var(--c-navy-800); font-weight: 500; font-size: .95rem; padding: 8px 0; position: relative; }
.primary-menu a::after { content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--c-gold); transform: scaleX(0); transform-origin: left; transition: transform .25s ease; }
.primary-menu a:hover::after, .primary-menu .current-menu-item > a::after { transform: scaleX(1); }
.primary-menu .sub-menu {
	position: absolute; background: #fff; border: 1px solid var(--c-border);
	box-shadow: var(--shadow); border-radius: var(--radius-sm);
	list-style: none; padding: 8px; margin: 8px 0 0; min-width: 220px;
	display: none; z-index: 10;
}
.primary-menu li { position: relative; }
.primary-menu li:hover > .sub-menu { display: block; }
.primary-menu .sub-menu a { padding: 8px 12px; display: block; }

.menu-toggle {
	
	display: none; background: transparent; border: 0; padding: 10px;
	cursor: pointer; flex: 0 0 auto;
}
.menu-toggle__bar, .menu-toggle__bar::before, .menu-toggle__bar::after {
	display: block; width: 24px; height: 2px; background: var(--c-navy-900); position: relative; transition: transform .25s ease;
}
.menu-toggle__bar::before, .menu-toggle__bar::after { content: ''; position: absolute; left: 0; }
.menu-toggle__bar::before { top: -7px; }
.menu-toggle__bar::after  { top:  7px; }

.header-cta { flex: 0 0 auto; }

@media (max-width: 980px) {
	body.menu-open .menu-toggle {
		    top: -57px;
    right: 17px;
	}
	.menu-toggle {         display: inline-block;
        margin-left: auto;
        position: absolute;
        right: 0;
        z-index: 9899999; }
	.main-navigation { z-index: 9999; flex-basis: 100%; display: none; }
	.main-navigation.is-open { display: block; }
	.primary-menu { flex-direction: column; gap: 0; padding: 8px 0 16px; }
	.primary-menu a { padding: 12px 4px; border-bottom: 1px solid var(--c-border); display: block; }
	.primary-menu a::after { display: none; }
	.primary-menu .sub-menu { position: static; box-shadow: none; border: 0; margin: 0; padding-left: 16px; display: block; }
	.header-cta { margin-left: auto; }
}

/* Buttons */
.btn {
	display: inline-flex; align-items: center; justify-content: center; gap: 8px;
	padding: 12px 22px; border-radius: 999px; font-weight: 600; font-size: .95rem;
	border: 1.5px solid transparent; cursor: pointer; transition: all .25s ease;
	white-space: nowrap;
}
.btn--gold { background: var(--c-gold); color: white; border-color: var(--c-gold); }
.btn--gold:hover { background: var(--c-gold-strong); color: #fff; border-color: var(--c-gold-strong); }
.btn--ghost { background: transparent; color: var(--c-navy-900); border-color: var(--c-navy-900); }
.btn--ghost:hover { background: var(--c-navy-900); color: #fff; }
.btn--lg { padding: 16px 32px; font-size: 1rem; }

/* Hero */
.hero { position: relative; color: #fff; overflow: hidden; }
.hero__bg {
	position: absolute; inset: 0;
	background:
		radial-gradient(1200px 600px at 20% -10%, rgba(201,162,74,.25), transparent 60%),
		radial-gradient(900px 500px at 100% 110%, rgba(31,64,121,.6), transparent 55%),
		linear-gradient(135deg, var(--c-navy-900), var(--c-navy-700));
	z-index: 0;
}
.hero__bg::after {
	content: ''; position: absolute; inset: 0;
	background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
									 linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
	background-size: 56px 56px; mask-image: radial-gradient(ellipse at center, black 30%, transparent 80%);
}
.hero__inner {
	position: relative; z-index: 1; display: grid; grid-template-columns: 1.4fr .8fr;
	gap: 48px; align-items: center; padding: 90px 24px 110px;
}
.hero__eyebrow {
	display: inline-block; font-size: .8rem; letter-spacing: .18em; text-transform: uppercase;
	color: var(--c-gold); padding: 6px 14px; border: 1px solid rgba(201,162,74,.4);
	border-radius: 999px; margin-bottom: 24px;
}
.hero__title { font-size: 38px; color: #fff; font-size: clamp(2.2rem, 4.6vw, 4rem); margin-bottom: 20px; }
.hero__title-accent { color: var(--c-gold); display: inline-block; }
.hero__subtitle { color: #d3dbeb; font-size: 1.1rem; max-width: 620px; margin-bottom: 32px; }
.hero__cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero__cta .btn--ghost { color: #fff; border-color: rgba(255,255,255,.6); }
.hero__cta .btn--ghost:hover { background: #fff; color: var(--c-navy-900); }

.hero__card {
	display: flex; align-items: center; gap: 18px;
	background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
	backdrop-filter: blur(8px);
	padding: 28px; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
}
.hero__badge {
	width: 96px; height: 96px; border-radius: 50%;
	background: linear-gradient(135deg, var(--c-gold), var(--c-gold-strong));
	color: var(--c-navy-900); font-family: var(--ff-display); font-weight: 700;
	font-size: 2.6rem; display: grid; place-items: center; flex: 0 0 auto;
	box-shadow: 0 10px 30px rgba(201,162,74,.4);
}
.hero__card-text strong { display: block; color: #fff; font-size: 1.1rem; }
.hero__card-text span { color: #c8d0e2; font-size: .95rem; }

@media (max-width: 880px) {
	.hero__inner { grid-template-columns: 1fr; padding: 60px 24px 80px; }
	.hero__card { max-width: 420px; }
}

/* Stats */
.stats { background: var(--c-navy-900); color: #fff; }
.stats__grid {
	display: grid; grid-template-columns: repeat(4, 1fr);
	gap: 8px; padding: 36px 24px; text-align: center;
}
.stat__num { font-family: var(--ff-display); font-size: clamp(1.4rem, 2.4vw, 2rem); color: var(--c-gold); font-weight: 700; }
.stat__lbl { font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: #c8d0e2; }
@media (max-width: 880px) { .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 24px; } }

/* Sections */
.section { padding: 80px 0; }
.section--alt { background: var(--c-bg-soft); }
.section__head { text-align: center; max-width: 760px; margin: 0 auto 56px; }
.section__head--row { display: flex; justify-content: space-between; align-items: end; text-align: left; max-width: var(--container); gap: 24px; margin-bottom: 40px; }
.section__eyebrow {
	display: inline-block; font-size: .78rem; letter-spacing: .2em; text-transform: uppercase;
	color: var(--c-gold-strong); margin-bottom: 12px; font-weight: 600;
}
.section__title { margin-bottom: 16px; }
.section__lead { color: var(--c-muted); font-size: 1.05rem; }

/* Feature grid */
.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.feature-grid--3 { grid-template-columns: repeat(3, 1fr); }
.feature {
	background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius);
	padding: 28px 24px; transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.feature:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--c-gold-soft); }
.feature__icon {
	width: 54px; height: 54px; border-radius: 14px;
	background: linear-gradient(135deg, var(--c-gold-soft), #fff);
	border: 1px solid var(--c-gold-soft);
	display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 18px;
}
.feature h3 { margin-bottom: 8px; font-size: 1.15rem; }
.feature p { color: var(--c-muted); font-size: .95rem; margin: 0; }
@media (max-width: 980px) { .feature-grid, .feature-grid--3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .feature-grid, .feature-grid--3 { grid-template-columns: 1fr; } }

/* Chit table */
.chit-table-wrap { overflow-x: auto; }
.chit-table {
	width: 100%; border-collapse: collapse; background: #fff;
	border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
}
.chit-table th, .chit-table td { padding: 18px 24px; text-align: left; }
.chit-table thead { background: var(--c-navy-900); color: #fff; }
.chit-table th { font-family: var(--ff-display); font-weight: 600; letter-spacing: .02em; }
.chit-table tbody tr { border-top: 1px solid var(--c-border); }
.chit-table tbody tr:nth-child(even) { background: var(--c-bg-soft); }
.chit-table tbody tr:hover { background: var(--c-gold-soft); }
.chit-table td { font-weight: 500; color: var(--c-navy-800); }
.chit-table__note { color: var(--c-muted); font-size: .85rem; margin-top: 12px; text-align: center; }

/* CTA band */
.cta-band {
	background: linear-gradient(135deg, var(--c-navy-900), var(--c-navy-700));
	color: #fff; padding: 64px 0; position: relative; overflow: hidden;
}
.cta-band::before {
	content: ''; position: absolute; right: -100px; top: -100px;
	width: 360px; height: 360px; border-radius: 50%;
	background: radial-gradient(circle, rgba(201,162,74,.3), transparent 70%);
}
.cta-band--inline { margin-top: 60px; border-radius: var(--radius-lg); padding: 48px; }
.cta-band__inner {
	display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap;
}
.cta-band h2 { color: #fff; margin: 0 0 6px; }
.cta-band p { color: #c8d0e2; margin: 0; }

/* Page hero */
.page-hero {
	background: linear-gradient(135deg, var(--c-navy-900), var(--c-navy-700));
	color: #fff; padding: 80px 0 70px; position: relative; overflow: hidden;
}
.page-hero::after {
	content: ''; position: absolute; inset: 0;
	background: radial-gradient(800px 400px at 80% -20%, rgba(201,162,74,.18), transparent 60%);
	pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero__eyebrow {
	display: inline-block; font-size: .78rem; letter-spacing: .2em; text-transform: uppercase;
	color: var(--c-gold); margin-bottom: 14px;
}
.page-hero__title { color: #fff; max-width: 820px; margin-bottom: 14px; }
.page-hero__subtitle { color: #c8d0e2; font-size: 1.1rem; max-width: 720px; margin: 0 0 24px; }

/* Site main */
.site-main { padding: 70px 0; }
.site-main--with-sidebar {
	display: grid; grid-template-columns: 1fr 320px; gap: 48px;
}
@media (max-width: 980px) { .site-main--with-sidebar { grid-template-columns: 1fr; } }

.content-area--narrow { max-width: 800px; margin: 0 auto; }

/* Prose */
.prose { font-size: 1.05rem; color: var(--c-text); }
.prose p, .prose ul, .prose ol { margin-bottom: 1.2em; }
.prose h2 { margin-top: 1.8em; }
.prose h3 { margin-top: 1.5em; }
.prose ul, .prose ol { padding-left: 1.4em; }
.prose blockquote {
	border-left: 4px solid var(--c-gold);
	background: var(--c-bg-soft); padding: 16px 22px;
	margin: 1.4em 0; font-style: italic; color: var(--c-navy-800);
	border-radius: 0 var(--radius) var(--radius) 0;
}
.prose img { border-radius: var(--radius); margin: 1.5em 0; }
.prose code {
	background: var(--c-bg-soft); padding: 2px 6px; border-radius: 4px;
	font-size: .9em; color: var(--c-navy-900);
}

/* Callout */
.callout {
	display: flex; align-items: center; gap: 24px;
	background: linear-gradient(135deg, var(--c-navy-900), var(--c-navy-700));
	color: #fff; padding: 32px; border-radius: var(--radius-lg); margin: 40px 0;
}
.callout--soft { background: var(--c-gold-soft); color: var(--c-navy-900); }
.callout--soft p { margin: 0; }
.callout__num {
	font-family: var(--ff-display); font-size: 4rem; font-weight: 700;
	color: var(--c-gold); line-height: 1; flex: 0 0 auto;
}
.callout__num span { font-size: 2rem; }
.callout h3 { color: #fff; margin: 0 0 4px; }
.callout p { color: #000; margin: 0; }

/* Post grid (blog cards) */
.post-grid {
	display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
@media (max-width: 980px) { .post-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .post-grid { grid-template-columns: 1fr; } }

.post-card {
	background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius);
	overflow: hidden; transition: transform .25s ease, box-shadow .25s ease;
	display: flex; flex-direction: column;
}
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.post-card__media { display: block; aspect-ratio: 16 / 10; overflow: hidden; background: var(--c-bg-soft); }
.post-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s ease; }
.post-card:hover .post-card__media img { transform: scale(1.05); }
.post-card__placeholder {
	width: 100%; height: 100%;
	background: linear-gradient(135deg, var(--c-navy-700), var(--c-navy-900));
	position: relative;
}
.post-card__placeholder::after {
	content: ''; position: absolute; inset: 0;
	background: radial-gradient(circle at 30% 30%, rgba(201,162,74,.4), transparent 60%);
}
.post-card__body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.post-card__meta { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; font-size: .82rem; color: var(--c-muted); }
.chip {
	display: inline-block; padding: 4px 10px; background: var(--c-gold-soft); color: #000000;
	border-radius: 999px; font-size: .75rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase;
}
.post-card__title { font-size: 1.25rem; margin: 0 0 10px; }
.post-card__title a { color: var(--c-navy-900); }
.post-card__title a:hover { color: var(--c-gold-strong); }
.post-card__excerpt { color: var(--c-muted); font-size: .95rem; flex: 1; }
.post-card__read { margin-top: 14px; font-weight: 600; color: var(--c-gold-strong); }

/* Pagination */
.pagination-nav { margin-top: 48px; }
.pagination-nav .nav-links { display: flex; gap: 8px; flex-wrap: wrap; justify-content: center; }
.pagination-nav .page-numbers {
	min-width: 40px; height: 40px; padding: 0 12px;
	display: inline-grid; place-items: center;
	border: 1px solid var(--c-border); border-radius: var(--radius-sm);
	color: var(--c-navy-800); font-weight: 600;
}
.pagination-nav .page-numbers:hover, .pagination-nav .page-numbers.current {
	background: var(--c-navy-900); color: #fff; border-color: var(--c-navy-900);
}

/* Single post */
.single-post__hero { background: var(--c-navy-900); color: #fff; }
.single-post__thumb { aspect-ratio: 21 / 9; overflow: hidden; }
.single-post__thumb img { width: 100%; height: 100%; object-fit: cover; opacity: .85; }
.single-post__heading { padding: 50px 24px 60px; max-width: 880px; margin: 0 auto; text-align: center; }
.single-post__meta { color: #c8d0e2; font-size: .9rem; display: inline-flex; align-items: center; gap: 10px; margin-bottom: 18px; flex-wrap: wrap; justify-content: center; }
.single-post__title { color: #fff; font-size: clamp(1.8rem, 3.6vw, 3rem); }
.single-post__layout {
	display: grid; grid-template-columns: 1fr 320px; gap: 56px; padding: 60px 24px;
}
@media (max-width: 980px) { .single-post__layout { grid-template-columns: 1fr; } }
.single-post__content { font-size: 1.08rem; line-height: 1.75; }
.single-post__content h2, .single-post__content h3 { margin-top: 1.6em; }
.single-post__content p { margin-bottom: 1.2em; }

.post-nav { display: flex; justify-content: space-between; padding: 20px 24px 60px; gap: 16px; }
.post-nav .nav-links { display: contents; }
.post-nav a {
	display: block; padding: 18px 22px; border: 1px solid var(--c-border);
	border-radius: var(--radius); max-width: 360px; transition: all .2s ease;
}
.post-nav a:hover { border-color: var(--c-gold); background: var(--c-bg-soft); }
.post-nav__label { display: block; font-size: .78rem; color: var(--c-muted); text-transform: uppercase; letter-spacing: .12em; margin-bottom: 6px; }
.post-nav__title { color: var(--c-navy-900); font-weight: 600; }

/* Sidebar / widgets */
.widget-area { display: flex; flex-direction: column; gap: 28px; }
.widget {
	background: #fff; border: 1px solid var(--c-border);
	border-radius: var(--radius); padding: 22px 24px;
}
.widget-title {
	font-size: 1.05rem; margin: 0 0 14px; padding-bottom: 10px;
	border-bottom: 2px solid var(--c-gold); display: inline-block;
}
.widget ul { list-style: none; padding: 0; margin: 0; }
.widget li { padding: 6px 0; border-bottom: 1px solid var(--c-border); }
.widget li:last-child { border-bottom: 0; }
.widget a { color: var(--c-navy-800); }
.widget a:hover { color: var(--c-gold-strong); }
.widget input[type=search], .widget input[type=text] {
	width: 100%; padding: 10px 12px; border: 1px solid var(--c-border); border-radius: var(--radius-sm);
	font: inherit;
}

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 48px; }
@media (max-width: 880px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-info {
	background: var(--c-navy-900); color: #fff; padding: 40px; border-radius: var(--radius-lg);
}
.contact-info h2 { color: #fff; }
.contact-info a { color: var(--c-gold); }
.contact-form { background: #fff; border: 1px solid var(--c-border); padding: 32px; border-radius: var(--radius-lg); display: flex; flex-direction: column; gap: 18px; }
.contact-form label { display: flex; flex-direction: column; gap: 6px; font-size: .9rem; font-weight: 500; color: var(--c-navy-800); }
.contact-form input, .contact-form textarea {
	padding: 12px 14px; border: 1px solid var(--c-border); border-radius: var(--radius-sm);
	font: inherit; transition: border-color .2s ease, box-shadow .2s ease;
}
.contact-form input:focus, .contact-form textarea:focus {
	outline: 0; border-color: var(--c-gold); box-shadow: 0 0 0 3px var(--c-gold-soft);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.form-note { color: var(--c-muted); font-size: .82rem; margin: 0; }

/* Footer */
.site-footer { background: var(--c-navy-900); color: #c8d0e2; margin-top: 0; }
.site-footer__grid {
	display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 40px;
	padding: 70px 24px 50px;
}
@media (max-width: 980px) { .site-footer__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .site-footer__grid { grid-template-columns: 1fr; } }

.site-footer .widget-title { color: #fff; border-color: var(--c-gold); }
.site-footer a { color: #c8d0e2; }
.site-footer a:hover { color: var(--c-gold); }
.site-footer .footer-menu, .site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer .footer-menu li, .site-footer ul li { padding: 6px 0; border: 0; }
.site-footer address { font-style: normal; line-height: 1.8; }

.site-footer__bottom { 
	
    background: #000000;
    color: white; }
.site-footer__bottom-inner {
	display: flex; justify-content: space-between; align-items: center;
	padding: 18px 24px; font-size: .85rem; gap: 16px; flex-wrap: wrap;
}
.site-footer__credit { color: #6b7896; }

/* 404 */
.error-404 { text-align: center; padding: 80px 24px; }
.error-404__code { font-family: var(--ff-display); font-size: 8rem; margin: 0; color: var(--c-gold); line-height: 1; }
.error-404__title { margin: 0 0 16px; }
.error-404__search { max-width: 480px; margin: 32px auto 0; }
.error-404__search form { display: flex; gap: 8px; }
.error-404__search input { flex: 1; padding: 12px 14px; border: 1px solid var(--c-border); border-radius: var(--radius-sm); font: inherit; }

/* Comments (basic) */
.comments-area { margin-top: 56px; padding-top: 40px; border-top: 1px solid var(--c-border); }
.comments-title { font-size: 1.4rem; margin-bottom: 24px; }
.comment-list { list-style: none; padding: 0; }
.comment-list .comment { background: var(--c-bg-soft); padding: 20px 22px; border-radius: var(--radius); margin-bottom: 16px; }
.comment-form { display: grid; gap: 12px; max-width: 720px; }
.comment-form input, .comment-form textarea { padding: 12px 14px; border: 1px solid var(--c-border); border-radius: var(--radius-sm); font: inherit; width: 100%; }
.comment-form .submit { background: var(--c-gold); color: white; border: 0; padding: 12px 22px; border-radius: 999px; font-weight: 600; cursor: pointer; }

/* Utility */
.alignleft { float: left; margin: 0 1.5em 1em 0; }
.alignright { float: right; margin: 0 0 1em 1.5em; }
.aligncenter { display: block; margin-left: auto; margin-right: auto; }
.alignwide { max-width: 1100px; margin-left: auto; margin-right: auto; }
.alignfull { width: 100vw; margin-left: calc(50% - 50vw); }



/* ============ HOW IT WORKS ============ */
.steps {
	display: grid;
	grid-template-columns: repeat(4, 1fr);
	gap: 24px;
	margin-top: 36px;
}
.step {
	position: relative;
	padding: 32px 24px 28px;
	background: #fff;
	border: 1px solid var(--c-line);
	border-radius: 14px;
	transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.step:hover {
	transform: translateY(-4px);
	box-shadow: 0 18px 40px -22px rgba(10,24,52,0.35);
	border-color: rgba(201,162,74,0.5);
}
.step__num {
	font-family: "Playfair Display", Georgia, serif;
	font-size: 42px;
	line-height: 1;
	color: var(--c-gold);
	font-weight: 700;
	margin-bottom: 14px;
	letter-spacing: -0.5px;
}
.step h3 {
	font-size: 18px;
	color: var(--c-navy-900);
	margin: 0 0 8px;
}
.step p {
	font-size: 14.5px;
	color: var(--c-muted);
	line-height: 1.6;
	margin: 0;
}
.step::after {
	content: "";
	position: absolute;
	top: 46px; right: -16px;
	width: 24px; height: 2px;
	background: linear-gradient(90deg, var(--c-gold), transparent);
}
.step:last-child::after { display: none; }

/* ============ TESTIMONIALS ============ */
.testi-grid {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 24px;
	margin-top: 36px;
}
.testi {
	position: relative;
	background: rgba(255,255,255,0.06);
	border: 1px solid rgba(226,192,116,0.25);
	border-radius: 16px;
	padding: 36px 28px 28px;
	margin: 0;
	backdrop-filter: blur(4px);
}
.testi__quote {
	position: absolute;
	top: -10px; left: 22px;
	font-family: "Playfair Display", Georgia, serif;
	font-size: 96px;
	line-height: 1;
	color: var(--c-gold);
	opacity: 0.85;
}
.testi blockquote {
	font-size: 16px;
	line-height: 1.7;
	    color: #000000;
	margin: 0 0 22px;
	font-style: italic;
}
.testi figcaption {
	display: flex;
	flex-direction: column;
	gap: 2px;
	border-top: 1px solid rgba(226,192,116,0.25);
	padding-top: 14px;
}
.testi figcaption strong {     color: #000000;  font-size: 15px; }
.testi figcaption span   { color: var(--c-gold-2); font-size: 13px; }

/* ============ AWARDS ============ */
.awards-grid {
	display: grid;
	grid-template-columns: repeat(4, 1fr);
	gap: 22px;
	margin-top: 36px;
}
.award {
	text-align: center;
	padding: 32px 22px;
	background: var(--c-soft);
	border: 1px solid var(--c-line);
	border-radius: 14px;
	transition: all .25s ease;
}
.award:hover {
	background: #fff;
	border-color: var(--c-gold);
	transform: translateY(-3px);
	box-shadow: 0 16px 36px -24px rgba(10,24,52,0.3);
}
.award__icon {
	font-size: 38px;
	margin-bottom: 12px;
	display: inline-block;
	width: 68px; height: 68px; line-height: 68px;
	border-radius: 50%;
	background: linear-gradient(135deg, var(--c-navy-900), var(--c-navy-700));
	color: var(--c-gold);
}
.award h4 {
	font-size: 16px;
	color: var(--c-navy-900);
	margin: 0 0 8px;
}
.award p {
	font-size: 14px;
	color: var(--c-muted);
	margin: 0;
	line-height: 1.55;
}

/* ============ FAQ ============ */
.faq-list {
	max-width: 820px;
	margin: 36px auto 0;
	display: flex;
	flex-direction: column;
	gap: 14px;
}
.faq {
	background: #fff;
	border: 1px solid var(--c-line);
	border-radius: 12px;
	padding: 18px 22px;
	transition: border-color .2s ease, box-shadow .2s ease;
}
.faq[open] {
	border-color: var(--c-gold);
	box-shadow: 0 12px 30px -22px rgba(10,24,52,0.35);
}
.faq summary {
	cursor: pointer;
	list-style: none;
	font-weight: 600;
	font-size: 16px;
	color: var(--c-navy-900);
	display: flex;
	justify-content: space-between;
	align-items: center;
	gap: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
	content: "+";
	font-size: 24px;
	color: var(--c-gold);
	font-weight: 400;
	transition: transform .2s ease;
	line-height: 1;
}
.faq[open] summary::after { content: "−"; }
.faq p {
	margin: 14px 0 4px;
	color: var(--c-muted);
	font-size: 15px;
	line-height: 1.7;
}

/* ============ Responsive ============ */
@media (max-width: 1024px) {
	.steps        { grid-template-columns: repeat(2, 1fr); }
	.step::after  { display: none; }
	.testi-grid   { grid-template-columns: 1fr 1fr; }
	.awards-grid  { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
	.steps,
	.testi-grid,
	.awards-grid { grid-template-columns: 1fr; }
	.faq summary { font-size: 15px; }
}


/* MOBILE OFFCANVAS */
/* Only mobile show */
@media (max-width: 991px) {
	.menu-close {
		display: block;
		position: absolute;
		top: 15px;
		right: 15px;
		font-size: 28px;
		background: none;
		border: none;
		cursor: pointer;
		z-index: 10001;
	}
}
/* Default: hide */
.menu-close {
	display: none;
}

@media (max-width: 991px) {

    .main-navigation {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: #fff;
        box-shadow: -5px 0 20px rgba(0,0,0,0.1);
        transition: 0.4s ease;
        padding: 30px 20px;
        z-index: 9999;
        overflow-y: auto;
    }

    .main-navigation.is-open {
        right: 0;
    }


    /* Overlay */
    body.menu-open::before {
        content: "";
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background: rgba(0,0,0,0.4);
z-index: 99; /* 🔥 BELOW NAV */
    }

    /* Close button */
    .menu-close {
              position: absolute;
        top: 11px;
        right: 15px;
        font-size: 28px;
        background: none;
        border: none;
        cursor: pointer;
        display: block;
    }

    /* Menu items */
    .primary-menu {
        display: flex;
        flex-direction: column;
        gap: 15px;
    }
}
#vacant-chit-groups, #chit-details, #chit-plans{
	    padding: 0 0 50px 0px;
}


.accordion-item {
	border: 1px solid var(--c-border);
	border-radius: var(--radius);
	margin-bottom: 12px;
	overflow: hidden;
	background: var(--c-white);
	box-shadow: var(--shadow-sm);
}

.accordion-header {
	width: 100%;
	padding: 16px 20px;
	background: var(--c-navy-900);
	color: #fff;
	border: none;
	text-align: left;
	font-weight: 600;
	cursor: pointer;
	font-size: 16px;
}

.accordion-content {
	display: none;
	padding: 20px;
	background: var(--c-bg-soft);
}

.accordion-item.active .accordion-content {
	display: block;
}

.chit-cards {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
	gap: 20px;
}

.chit-card {
	background: var(--c-white);
	border: 1px solid var(--c-border);
	border-radius: var(--radius);
	padding: 22px;
	box-shadow: var(--shadow-sm);
	transition: 0.3s ease;
	height: 100%;
}

.chit-card:hover {
	transform: translateY(-5px);
	box-shadow: var(--shadow);
}

.chit-card h3 {
	margin-bottom: 12px;
	font-family: var(--ff-display);
	color: var(--c-navy-900);
	font-size: 19px;
	line-height: 1.4;
}

.chit-card p {
	color: var(--c-muted);
	margin-bottom: 10px;
	text-align: justify;
}

.about-story__grid {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 40px;
	align-items: center;
}

.about-story__img {
	width: 100%;
	height: 100%;
	object-fit: cover;
	border-radius: var(--radius-lg);
	box-shadow: var(--shadow);
}

/* Better readability */
.about-story__content p {
	color: var(--c-muted);
	margin-bottom: 15px;
	text-align: justify;
}

/* Mobile responsive */
@media (max-width: 768px) {
	.about-story__grid {
		grid-template-columns: 1fr;
	}

	.about-story__media {
		order: -1; /* image on top */
	}
}

.overview-grid {
	display: grid;
	grid-template-columns: 1fr 1.2fr;
	gap: 40px;
	align-items: center;
}

/* Left Highlight */
.overview-highlight {
	background: linear-gradient(135deg, var(--c-navy-900), var(--c-navy-700));
	color: #fff;
	padding: 30px;
	border-radius: var(--radius-lg);
	box-shadow: var(--shadow-lg);
}

.overview-highlight h2 {
	margin-bottom: 15px;
	font-family: var(--ff-display);
	color: #fff;
}

.overview-highlight p {
	color: #e6eaf5;
}

/* Right Content */
.overview-content p {
	margin-bottom: 15px;
	color: var(--c-muted);
	text-align: justify;
}

/* Mobile */
@media (max-width: 768px) {
	.overview-grid {
		grid-template-columns: 1fr;
	}
}

.chit-steps {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
	gap: 20px;
}

.step-card {
	background: #fff;
	border: 1px solid var(--c-border);
	border-radius: var(--radius);
	padding: 20px;
	box-shadow: var(--shadow-sm);
	transition: 0.3s;
}

.step-card:hover {
	transform: translateY(-5px);
	box-shadow: var(--shadow);
}

.step-card h3 {
	margin-bottom: 10px;
	color: var(--c-navy-900);
	font-family: var(--ff-display);
}

.step-card p {
	color: var(--c-muted);
}

.highlight {
	background: var(--c-gold-soft);
	border-left: 4px solid var(--c-gold);
}

/* Legal Box */
.legal-box {
	background: #fff;
	padding: 25px;
	border-radius: var(--radius);
	border: 1px solid var(--c-border);
	box-shadow: var(--shadow-sm);
	text-align: center;
}

.benefits-grid {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(200px,1fr));
	gap: 15px;
}

.benefit {
	background: var(--c-gold-soft);
	padding: 15px;
	border-radius: var(--radius);
	font-weight: 500;
}

.caution-box {
	background: #fff3f3;
	padding: 20px;
	border-left: 4px solid red;
	border-radius: var(--radius);
}

.whatsapp-sticky {
    position: fixed;
    left: 20px;
    bottom: 20px;
    background: #25D366;
    width: 55px;
    height: 55px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(0,0,0,0.2);
    z-index: 9999;
    transition: 0.3s;
}

.whatsapp-sticky img {
    width: 28px;
    height: 28px;
    filter: invert(1);
}

.whatsapp-sticky:hover {
    transform: scale(1.1);
}