/* ==========================================================================
   GV CAPITAL ADVISORS - PREMIUM FINANCIAL ADVISORY STYLESHEET
   Website: gvcapitaladvisors.com
   Founder & Senior Advisor: Vinay Gangadhar
   Color Palette: Imperial Navy, Radiant Gold, Crisp Platinum
   ========================================================================== */

:root {
  --navy-950: #030b18;
  --navy-900: #071731;
  --navy-850: #0a1f42;
  --navy-800: #0f2b5c;
  --navy-700: #173d7e;
  --navy-600: #1f56a8;

  --gold-100: #fef7db;
  --gold-200: #feeab0;
  --gold-300: #fed461;
  --gold-400: #ebb237;
  --gold-500: #c88504;
  --gold-600: #9e6402;
  --gold-gradient: linear-gradient(135deg, #fed461 0%, #ebb237 45%, #c88504 100%);
  --gold-gradient-soft: linear-gradient(135deg, rgba(254, 212, 97, 0.15) 0%, rgba(200, 133, 4, 0.05) 100%);

  --blue-brand: #1f6fbb;
  --blue-light: #ebf5ff;
  --blue-dark: #124b82;

  --bg-primary: #ffffff;
  --bg-secondary: #f8fafc;
  --bg-tertiary: #f1f5f9;
  --bg-card: #ffffff;
  
  --text-main: #0f172a;
  --text-muted: #475569;
  --text-light: #94a3b8;
  --text-white: #ffffff;

  --border-light: #e2e8f0;
  --border-gold: rgba(235, 178, 55, 0.35);

  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.05);
  --shadow-lg: 0 10px 25px -5px rgba(7, 23, 49, 0.1), 0 8px 10px -6px rgba(7, 23, 49, 0.06);
  --shadow-xl: 0 20px 35px -5px rgba(7, 23, 49, 0.15), 0 10px 15px -5px rgba(7, 23, 49, 0.08);
  --shadow-gold: 0 10px 25px -3px rgba(200, 133, 4, 0.3);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 30px;
  --radius-full: 9999px;

  --font-heading: 'Outfit', 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-body: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-script: 'Playfair Display', Georgia, serif;
}

/* Base & Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  color: var(--text-main);
  background-color: var(--bg-primary);
  line-height: 1.6;
  overflow-x: hidden;
  scrollbar-gutter: stable;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
  transition: all 0.25s ease;
}

button, input, select, textarea {
  font: inherit;
}

.container {
  width: 100%;
  max-width: 1240px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}

/* Typography Helpers */
.text-gold {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

.font-script {
  font-family: var(--font-script);
  font-style: italic;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  background: rgba(235, 178, 55, 0.12);
  color: var(--gold-500);
  border: 1px solid rgba(235, 178, 55, 0.3);
  margin-bottom: 0.85rem;
}

.section-tag.light {
  background: rgba(255, 255, 255, 0.1);
  color: var(--gold-300);
  border-color: rgba(254, 212, 97, 0.3);
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 3.8vw, 2.75rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--navy-900);
  margin-bottom: 1rem;
}

.section-title.light {
  color: #ffffff;
}

.section-desc {
  font-size: 1.1rem;
  color: var(--text-muted);
  max-width: 680px;
  margin-inline: auto;
  line-height: 1.7;
}

.section-desc.light {
  color: #94a3b8;
}

.section-header {
  text-align: center;
  margin-bottom: 3.5rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.85rem 1.75rem;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 0.975rem;
  cursor: pointer;
  border: none;
  transition: all 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  text-align: center;
}

.btn-gold {
  background: var(--gold-gradient);
  color: var(--navy-950);
  box-shadow: 0 4px 15px rgba(200, 133, 4, 0.25);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(200, 133, 4, 0.45);
  filter: brightness(1.04);
}

.btn-navy {
  background: var(--navy-900);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.btn-navy:hover {
  background: var(--navy-800);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-outline-gold {
  background: transparent;
  color: var(--gold-400);
  border: 1.5px solid var(--gold-400);
}

.btn-outline-gold:hover {
  background: rgba(235, 178, 55, 0.12);
  color: var(--gold-300);
  border-color: var(--gold-300);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy-900);
  border: 1.5px solid var(--navy-900);
}

.btn-outline-navy:hover {
  background: var(--navy-900);
  color: #ffffff;
}

.btn-whatsapp {
  background: #25D366;
  color: #ffffff;
  box-shadow: 0 4px 15px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover {
  background: #20bd5a;
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(37, 211, 102, 0.45);
}

.btn-sm {
  padding: 0.55rem 1.15rem;
  font-size: 0.85rem;
  border-radius: var(--radius-sm);
}

.btn-lg {
  padding: 1.05rem 2.25rem;
  font-size: 1.05rem;
}

/* ==========================================================================
   Top Announcement Bar
   ========================================================================== */
.top-bar {
  background: var(--navy-950);
  color: #e2e8f0;
  font-size: 0.825rem;
  padding: 0.55rem 0;
  border-bottom: 1px solid rgba(235, 178, 55, 0.2);
}

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

.top-bar-info {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.top-bar-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: #cbd5e1;
}

.top-bar-link:hover {
  color: var(--gold-300);
}

.top-bar-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--gold-300);
  font-weight: 600;
}

/* ==========================================================================
   Header & Navbar
   ========================================================================== */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  transition: all 0.3s ease;
}

.header.scrolled {
  box-shadow: 0 8px 20px rgba(7, 23, 49, 0.08);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.brand-logo-img {
  height: 54px;
  width: auto;
  object-fit: contain;
}

.brand-text-wrap {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.28rem;
  line-height: 1.1;
  color: var(--navy-900);
  letter-spacing: 0.5px;
}

.brand-tagline {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 2px;
  color: var(--blue-brand);
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-link {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy-900);
  position: relative;
  padding-block: 0.5rem;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background: var(--gold-gradient);
  transition: width 0.25s ease;
}

.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

.nav-link:hover {
  color: var(--gold-500);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 700;
  font-size: 0.925rem;
  color: var(--navy-900);
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  background: var(--bg-secondary);
  border: 1px solid var(--border-light);
}

.nav-phone:hover {
  color: var(--blue-brand);
  border-color: var(--blue-brand);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.6rem;
  color: var(--navy-900);
  cursor: pointer;
  padding: 0.5rem;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 40%, var(--navy-850) 100%);
  color: #ffffff;
  padding: 5rem 0 5.5rem;
  overflow: hidden;
}

/* Decorative Gold / Glow Accents */
.hero::before {
  content: '';
  position: absolute;
  top: -15%;
  right: -5%;
  width: 650px;
  height: 650px;
  background: radial-gradient(circle, rgba(235, 178, 55, 0.18) 0%, rgba(235, 178, 55, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(31, 111, 187, 0.22) 0%, rgba(31, 111, 187, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-curve-gold {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 28px;
  background: var(--gold-gradient);
  clip-path: ellipse(55% 100% at 50% 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.95fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.45rem 1.15rem;
  background: rgba(235, 178, 55, 0.12);
  border: 1px solid rgba(235, 178, 55, 0.35);
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold-300);
  margin-bottom: 1.35rem;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 4.2vw, 3.8rem);
  font-weight: 800;
  line-height: 1.12;
  margin-bottom: 1.35rem;
  letter-spacing: -0.5px;
}

.hero-motto {
  display: block;
  font-family: var(--font-script);
  font-size: clamp(1.4rem, 2.3vw, 2.1rem);
  color: var(--gold-300);
  font-style: italic;
  font-weight: 400;
  margin-bottom: 0.65rem;
}

.hero-subtitle {
  font-size: 1.125rem;
  color: #cbd5e1;
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 580px;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 1.15rem;
  flex-wrap: wrap;
  margin-bottom: 2.75rem;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding-top: 1.75rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.stat-item {
  display: flex;
  flex-direction: column;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--gold-300);
  line-height: 1.1;
}

.stat-label {
  font-size: 0.825rem;
  color: #94a3b8;
  margin-top: 0.25rem;
}

/* Hero Right: Interactive Quick Quote Card */
.hero-card {
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(235, 178, 55, 0.35);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
  position: relative;
}

.hero-card-header {
  margin-bottom: 1.5rem;
  text-align: center;
}

.hero-card-title {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 0.35rem;
}

.hero-card-sub {
  font-size: 0.875rem;
  color: #94a3b8;
}

.form-group {
  margin-bottom: 1.15rem;
}

.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #e2e8f0;
  margin-bottom: 0.4rem;
}

.form-control {
  width: 100%;
  padding: 0.8rem 1rem;
  background: rgba(255, 255, 255, 0.95);
  border: 1px solid #cbd5e1;
  border-radius: var(--radius-sm);
  color: var(--text-main);
  font-size: 0.95rem;
  transition: all 0.2s ease;
}

.form-control:focus {
  outline: none;
  background: #ffffff;
  border-color: var(--gold-400);
  box-shadow: 0 0 0 3px rgba(235, 178, 55, 0.25);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}

.form-security-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  font-size: 0.775rem;
  color: #94a3b8;
  margin-top: 1rem;
}

/* ==========================================================================
   Trust Bar / Credentials Strip
   ========================================================================== */
.trust-strip {
  background: #ffffff;
  padding: 2rem 0;
  border-bottom: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
}

.trust-strip-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.trust-badge-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.trust-badge-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: rgba(235, 178, 55, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-500);
  font-size: 1.4rem;
  flex-shrink: 0;
}

.trust-badge-title {
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--navy-900);
  line-height: 1.2;
}

.trust-badge-desc {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ==========================================================================
   Services / Loan Solutions Section (The 6 Pillars)
   ========================================================================== */
.services-section {
  padding: 6rem 0;
  background: var(--bg-secondary);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.service-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  padding: 2.25rem 2rem;
  display: flex;
  flex-direction: column;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--gold-gradient);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(235, 178, 55, 0.4);
}

.service-card:hover::before {
  opacity: 1;
}

.service-icon-box {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-md);
  background: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-300);
  margin-bottom: 1.5rem;
  transition: all 0.3s ease;
}

.service-card:hover .service-icon-box {
  background: var(--gold-gradient);
  color: var(--navy-950);
  transform: scale(1.05);
}

.service-name {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy-900);
  margin-bottom: 0.75rem;
}

.service-desc {
  font-size: 0.925rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.service-features-list {
  list-style: none;
  margin-bottom: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-top: auto;
}

.service-feature {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-800);
}

.service-feature-icon {
  color: var(--gold-500);
  font-size: 1rem;
  flex-shrink: 0;
}

.service-meta-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 1rem;
  background: var(--bg-secondary);
  border-radius: var(--radius-sm);
  margin-bottom: 1.5rem;
  border: 1px solid var(--border-light);
}

.service-meta-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: 0.5px;
}

.service-meta-val {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--navy-900);
}

.service-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}

/* ==========================================================================
   Interactive Financial Calculator Suite
   ========================================================================== */
.calculator-section {
  padding: 6rem 0;
  background: #ffffff;
}

.calc-tabs-wrapper {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 2.75rem;
  flex-wrap: wrap;
}

.calc-tab-btn {
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  border: 1.5px solid var(--border-light);
  background: #ffffff;
  color: var(--text-muted);
  transition: all 0.25s ease;
}

.calc-tab-btn.active {
  background: var(--navy-900);
  color: #ffffff;
  border-color: var(--navy-900);
  box-shadow: 0 4px 15px rgba(7, 23, 49, 0.2);
}

.calc-box {
  background: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: var(--shadow-lg);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.95fr;
  gap: 3.5rem;
  align-items: center;
}

.calc-slider-group {
  margin-bottom: 2rem;
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.75rem;
}

.slider-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy-900);
}

.slider-val-badge {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--navy-900);
  background: #ffffff;
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--gold-400);
  min-width: 130px;
  text-align: right;
}

.range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #cbd5e1;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gold-gradient);
  cursor: pointer;
  border: 3px solid #ffffff;
  box-shadow: 0 2px 6px rgba(0,0,0,0.25);
  transition: transform 0.15s ease;
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.18);
}

.slider-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 0.4rem;
}

/* Calculator Output Card */
.calc-result-card {
  background: var(--navy-900);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  text-align: center;
  border: 1px solid rgba(235, 178, 55, 0.35);
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.calc-result-card::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 180px;
  height: 180px;
  background: radial-gradient(circle, rgba(235, 178, 55, 0.25) 0%, transparent 70%);
  border-radius: 50%;
}

.calc-emi-badge {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--gold-300);
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.calc-emi-number {
  font-family: var(--font-heading);
  font-size: 2.85rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  margin-bottom: 0.35rem;
}

.calc-emi-sub {
  font-size: 0.85rem;
  color: #94a3b8;
  margin-bottom: 2rem;
}

.calc-breakdown-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  padding: 1.25rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 1.5rem;
  text-align: left;
}

.calc-bd-item {
  display: flex;
  flex-direction: column;
}

.calc-bd-label {
  font-size: 0.775rem;
  color: #94a3b8;
  margin-bottom: 0.25rem;
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.calc-bd-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: #ffffff;
}

.legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  display: inline-block;
}

.dot-blue { background: #38bdf8; }
.dot-gold { background: var(--gold-400); }

.calc-progress-bar {
  height: 10px;
  background: #38bdf8;
  border-radius: 5px;
  overflow: hidden;
  display: flex;
  margin-bottom: 2rem;
}

.progress-interest {
  height: 100%;
  background: var(--gold-gradient);
  transition: width 0.3s ease;
}

/* ==========================================================================
   Founder & Leadership Spotlight (Vinay Gangadhar)
   ========================================================================== */
.founder-section {
  padding: 6rem 0;
  background: linear-gradient(180deg, #ffffff 0%, var(--bg-secondary) 100%);
  position: relative;
}

.founder-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 4rem;
  align-items: center;
}

.founder-card-mockup {
  position: relative;
}

.card-3d-wrapper {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border-light);
  position: relative;
}

.card-preview-img {
  width: 100%;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(0,0,0,0.06);
}

.card-floating-badge {
  position: absolute;
  bottom: -15px;
  right: 25px;
  background: var(--navy-900);
  color: #ffffff;
  padding: 0.65rem 1.25rem;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 0.85rem;
  box-shadow: var(--shadow-lg);
  border: 1.5px solid var(--gold-400);
}

.founder-content {
  display: flex;
  flex-direction: column;
}

.founder-quote {
  font-family: var(--font-script);
  font-size: 1.55rem;
  color: var(--gold-500);
  font-style: italic;
  line-height: 1.45;
  margin-bottom: 1.5rem;
  position: relative;
  padding-left: 1.5rem;
  border-left: 3px solid var(--gold-400);
}

.founder-bio {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 2rem;
}

.founder-contact-card {
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 1.5rem;
  border: 1px solid var(--border-light);
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-bottom: 2rem;
  box-shadow: var(--shadow-sm);
}

.fc-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.fc-icon {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-300);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}

.fc-text-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 700;
}

.fc-text-val {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy-900);
}

.fc-text-val:hover {
  color: var(--gold-500);
}

/* ==========================================================================
   Why Choose Us (The GV Advantage)
   ========================================================================== */
.why-section {
  padding: 6rem 0;
  background: var(--navy-950);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.why-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  transition: all 0.3s ease;
}

.why-card:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(235, 178, 55, 0.4);
  transform: translateY(-5px);
}

.why-num {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--gold-400);
  line-height: 1;
  margin-bottom: 1rem;
  opacity: 0.85;
}

.why-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 0.75rem;
}

.why-desc {
  font-size: 0.925rem;
  color: #94a3b8;
  line-height: 1.65;
}

/* ==========================================================================
   Partner Banks & NBFC Network
   ========================================================================== */
.partners-section {
  padding: 5rem 0;
  background: #ffffff;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.partners-ticker-wrap {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 1.5rem;
}

.bank-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  padding: 0.75rem 1.45rem;
  border-radius: var(--radius-md);
  background: var(--bg-secondary);
  border: 1px solid var(--border-light);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy-900);
  transition: all 0.25s ease;
}

.bank-pill:hover {
  border-color: var(--gold-400);
  background: #ffffff;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.bank-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-300);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 800;
}

/* ==========================================================================
   How It Works (4 Step Journey)
   ========================================================================== */
.steps-section {
  padding: 6rem 0;
  background: var(--bg-secondary);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  position: relative;
}

.step-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.25rem 1.75rem;
  border: 1px solid var(--border-light);
  position: relative;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.step-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-400);
}

.step-circle {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: var(--gold-gradient);
  color: var(--navy-950);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  margin: 0 auto 1.5rem;
  box-shadow: 0 4px 15px rgba(200, 133, 4, 0.3);
}

.step-title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--navy-900);
  margin-bottom: 0.65rem;
}

.step-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   FAQ Section
   ========================================================================== */
.faq-section {
  padding: 6rem 0;
  background: #ffffff;
}

.faq-accordion {
  max-width: 850px;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all 0.25s ease;
  background: #ffffff;
}

.faq-item.active {
  border-color: var(--gold-400);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  padding: 1.25rem 1.75rem;
  background: none;
  border: none;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy-900);
  cursor: pointer;
}

.faq-icon {
  font-size: 1.25rem;
  color: var(--gold-500);
  transition: transform 0.3s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 1.75rem;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 300px;
  padding: 0 1.75rem 1.5rem;
}

/* ==========================================================================
   Contact & Lead Form Section
   ========================================================================== */
.contact-section {
  padding: 6rem 0;
  background: var(--bg-secondary);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 3.5rem;
}

.contact-info-panel {
  display: flex;
  flex-direction: column;
}

.contact-info-card {
  background: var(--navy-900);
  color: #ffffff;
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.25rem;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(235, 178, 55, 0.3);
}

.contact-info-card::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 220px;
  height: 220px;
  background: radial-gradient(circle, rgba(235, 178, 55, 0.18) 0%, transparent 70%);
}

.contact-meta-list {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  margin-top: 2rem;
}

.c-meta-item {
  display: flex;
  align-items: flex-start;
  gap: 1.15rem;
}

.c-meta-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(235, 178, 55, 0.3);
  color: var(--gold-300);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  flex-shrink: 0;
}

.c-meta-label {
  font-size: 0.775rem;
  color: #94a3b8;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 1px;
}

.c-meta-val {
  font-size: 1.05rem;
  font-weight: 700;
  color: #ffffff;
  margin-top: 0.15rem;
}

.c-meta-val a:hover {
  color: var(--gold-300);
}

/* Contact Form */
.contact-form-panel {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 3rem;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-lg);
}

.contact-form-title {
  font-family: var(--font-heading);
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--navy-900);
  margin-bottom: 0.4rem;
}

.contact-form-sub {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.footer {
  background: var(--navy-950);
  color: #94a3b8;
  padding: 5rem 0 2rem;
  border-top: 3px solid var(--gold-400);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-brand-desc {
  font-size: 0.925rem;
  line-height: 1.7;
  margin-top: 1.25rem;
  color: #94a3b8;
}

.footer-col-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 1.25rem;
  position: relative;
  display: inline-block;
}

.footer-col-title::after {
  content: '';
  position: absolute;
  bottom: -6px;
  left: 0;
  width: 25px;
  height: 2px;
  background: var(--gold-400);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-link {
  font-size: 0.9rem;
  color: #94a3b8;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.footer-link:hover {
  color: var(--gold-300);
  transform: translateX(3px);
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.825rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-disclaimer {
  font-size: 0.775rem;
  line-height: 1.6;
  color: #64748b;
  margin-top: 1rem;
}

/* ==========================================================================
   Mobile Bottom Sticky Action Bar
   ========================================================================== */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy-950);
  border-top: 1.5px solid var(--gold-400);
  padding: 0.65rem 1rem;
  z-index: 999;
  box-shadow: 0 -4px 15px rgba(0, 0, 0, 0.3);
}

.ms-inner {
  display: grid;
  grid-template-columns: 1fr 1fr 1.3fr;
  gap: 0.5rem;
}

.ms-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0.45rem 0.25rem;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  font-weight: 700;
  color: #ffffff;
  text-align: center;
}

.ms-btn-call {
  background: rgba(255, 255, 255, 0.1);
}

.ms-btn-wa {
  background: #25D366;
}

.ms-btn-apply {
  background: var(--gold-gradient);
  color: var(--navy-950);
}

/* ==========================================================================
   Modal Dialogs
   ========================================================================== */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(3, 11, 24, 0.75);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
}

.modal-overlay.active {
  display: flex;
}

.modal-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  max-width: 620px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  padding: 2.5rem;
  position: relative;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border-light);
  animation: modalPop 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes modalPop {
  from {
    opacity: 0;
    transform: scale(0.95) translateY(10px);
  }
  to {
    opacity: 1;
    transform: scale(1) translateY(0);
  }
}

.modal-close-btn {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  background: var(--bg-tertiary);
  border: none;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--text-muted);
  cursor: pointer;
  transition: all 0.2s ease;
}

.modal-close-btn:hover {
  background: var(--navy-900);
  color: #ffffff;
}

/* Toast Notification */
.toast-notice {
  position: fixed;
  bottom: 25px;
  right: 25px;
  background: var(--navy-900);
  color: #ffffff;
  padding: 1rem 1.5rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  border-left: 4px solid var(--gold-400);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.925rem;
  font-weight: 600;
  z-index: 3000;
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.toast-notice.show {
  transform: translateY(0);
  opacity: 1;
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .calc-grid {
    grid-template-columns: 1fr;
  }

  .founder-grid {
    grid-template-columns: 1fr;
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .top-bar {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .nav-menu {
    position: fixed;
    top: 82px;
    left: 0;
    right: 0;
    background: #ffffff;
    flex-direction: column;
    padding: 2rem 1.5rem;
    gap: 1.25rem;
    border-bottom: 1px solid var(--border-light);
    box-shadow: var(--shadow-lg);
    transform: translateY(-150%);
    transition: transform 0.3s ease;
  }

  .nav-menu.open {
    transform: translateY(0);
  }

  .nav-actions {
    display: none;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .trust-strip-inner {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .founder-contact-card {
    grid-template-columns: 1fr;
  }

  .mobile-sticky-bar {
    display: block;
  }

  body {
    padding-bottom: 70px;
  }

  .calc-box {
    padding: 1.5rem;
  }

  .calc-emi-number {
    font-size: 2.2rem;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .trust-strip-inner {
    grid-template-columns: 1fr;
  }

  .form-grid-2 {
    grid-template-columns: 1fr;
  }
}


/* ==========================================================================
   Founder Portrait & Enhanced About Us
   ========================================================================== */
.founder-profile-frame {
  position: relative;
  display: inline-block;
  border-radius: var(--radius-xl);
  padding: 8px;
  background: var(--gold-gradient);
  box-shadow: var(--shadow-xl);
}

.founder-photo {
  width: 100%;
  max-width: 380px;
  height: 380px;
  object-fit: cover;
  border-radius: calc(var(--radius-xl) - 6px);
  border: 4px solid #ffffff;
  display: block;
}

.founder-floating-pill {
  position: absolute;
  background: var(--navy-900);
  color: #ffffff;
  padding: 0.55rem 1.15rem;
  border-radius: var(--radius-full);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.825rem;
  font-weight: 700;
  border: 1.5px solid var(--gold-400);
  box-shadow: var(--shadow-lg);
}

.pill-top-right {
  top: 15px;
  right: -20px;
}

.pill-bottom-left {
  bottom: 15px;
  left: -20px;
}

.experience-tag-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin: 1.5rem 0;
}

.exp-tag {
  background: var(--bg-secondary);
  border: 1px solid var(--border-light);
  padding: 0.45rem 0.95rem;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  font-weight: 700;
  color: var(--navy-800);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.exp-tag.gold {
  background: rgba(235, 178, 55, 0.12);
  border-color: rgba(235, 178, 55, 0.4);
  color: var(--gold-600);
}

.btn-linkedin {
  background: #0A66C2;
  color: #ffffff;
  box-shadow: 0 4px 15px rgba(10, 102, 194, 0.25);
}

.btn-linkedin:hover {
  background: #084e96;
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(10, 102, 194, 0.4);
}

/* Market Watch Section */
.market-watch-card {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-md);
  position: relative;
  transition: all 0.3s ease;
}

.market-watch-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: var(--gold-400);
}

.market-quote-banner {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-850) 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  border-left: 5px solid var(--gold-400);
  margin-top: 2.5rem;
}


/* Bank Partner Logo Cards */
.bank-logo-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 1.5rem;
  align-items: center;
}

.bank-logo-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 85px;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
}

.bank-logo-card img, .bank-logo-card svg {
  max-height: 48px;
  max-width: 160px;
  width: auto;
  height: auto;
  object-fit: contain;
  transition: transform 0.25s ease;
}

.bank-logo-card:hover {
  transform: translateY(-3px);
  border-color: var(--gold-400);
  box-shadow: var(--shadow-lg);
}

.bank-logo-card:hover img, .bank-logo-card:hover svg {
  transform: scale(1.05);
}

/* Page Header Banner for Sub-pages */
.page-banner {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 60%, var(--navy-850) 100%);
  color: #ffffff;
  padding: 4.5rem 0 3.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-banner::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--gold-gradient);
}

.contact-card-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}

.contact-number-card {
  background: #ffffff;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  display: flex;
  align-items: center;
  gap: 1.15rem;
  transition: all 0.25s ease;
  box-shadow: var(--shadow-sm);
}

.contact-number-card:hover {
  border-color: var(--gold-400);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.cnc-icon {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  background: var(--navy-900);
  color: var(--gold-300);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  flex-shrink: 0;
}

.cnc-info {
  display: flex;
  flex-direction: column;
}

.cnc-label {
  font-size: 0.775rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.cnc-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy-900);
  line-height: 1.25;
  margin-top: 0.2rem;
}

.cnc-val:hover {
  color: var(--gold-500);
}