:root {
  --primary:#C41E3A; --primary-dark:#A01830; --primary-light:#E85560;
  --navy:#1A2A5A; --navy-dark:#0F1636; --navy-light:#253B5E;
  --gold:#D4A852; --gold-dark:#B8941A; --gold-light:#F0D89A;
  --green:#10B981; --green-dark:#059669; --green-light:#ECFDF5;
  --amber:#D97706; --amber-light:#FFFBEB;
  --danger:#DC2626; --danger-light:#FEF2F2;
  --bg:#F9F8F5; --surface:#fff; --border:#E5E7EB;
  --text:#1F2937; --text2:#6B7280; --text3:#D1D5DB;
  --grad-main:linear-gradient(135deg,#C41E3A,#D4A852);
  --grad-navy:linear-gradient(135deg,#1A2A5A,#C41E3A);
  --grad-gold:linear-gradient(90deg,#D4A852,#F0D89A);
  --ff-kn:'Noto Sans Kannada',sans-serif;
  --ff-body:'Source Sans 3',sans-serif;
  --ff-disp:'Playfair Display',Georgia,serif;
  --sh-sm:0 1px 2px rgba(26,42,90,.05);
  --sh-md:0 4px 6px rgba(26,42,90,.1);
  --sh-lg:0 10px 25px rgba(26,42,90,.15);
  --sh-xl:0 20px 40px rgba(26,42,90,.2);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--ff-body);background:var(--bg);color:var(--text);line-height:1.6;overflow-x:hidden}

/* LANG SWITCHER */
.lang-sw{position:fixed;top:18px;right:18px;z-index:1000001;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-radius:50px;padding:7px 12px;box-shadow:var(--sh-lg);display:flex;gap:6px;border:1px solid rgba(212,168,82,.25)}
.lang-btn{border:2px solid var(--border);background:none;border-radius:50px;padding:5px 13px;font-family:var(--ff-body);font-size:13px;font-weight:600;cursor:pointer;transition:.3s;color:var(--text);display:flex;align-items:center;gap:4px}
.lang-btn:hover{border-color:var(--gold);transform:translateY(-2px)}
.lang-btn.active{background:var(--grad-main);border-color:transparent;color:#fff;box-shadow:var(--sh-md)}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:100000;height:68px;padding:0 clamp(1rem,3vw,2rem);display:flex;align-items:center;justify-content:space-between;transition:.3s}
nav.scrolled{background:rgba(26,42,90,.97);backdrop-filter:blur(20px);box-shadow:var(--sh-lg)}
.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.nav-logo img{width:auto;height:48px;border-radius:10px;object-fit:contain;border:none}
.nav-logo-txt{color:#fff}
.nav-logo-title{font-family:var(--ff-kn);font-size:14px;font-weight:700;line-height:1.2}
.nav-logo-sub{font-size:10px;opacity:.7}
.nav-links{display:flex;align-items:center;gap:1.5rem;list-style:none}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;font-weight:500;font-size:15px;transition:.2s;position:relative}
.nav-links a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--gold);transition:.3s}
.nav-links a:hover{color:#fff}
.nav-links a:hover::after{width:100%}
.nav-bell{background:none;border:none;color:rgba(255,255,255,.75);font-size:20px;cursor:pointer;padding:8px;border-radius:8px;transition:.2s}
.nav-bell:hover{color:var(--gold);background:rgba(255,255,255,.1)}
.hamburger{display:none;background:none;border:none;color:#fff;font-size:24px;cursor:pointer;padding:6px}

/* MOBILE MENU */
.mob-menu{position:fixed;inset:0;z-index:99999;background:var(--navy-dark);padding:100px 2rem 2rem;flex-direction:column;gap:1.5rem;opacity:0;pointer-events:none;transition:opacity .3s ease;display:flex}
.mob-menu.open{opacity:1;pointer-events:all}
.mob-menu a{color:rgba(255,255,255,.85);text-decoration:none;font-size:22px;font-weight:600;padding:.75rem 0;border-bottom:1px solid rgba(255,255,255,.1);font-family:var(--ff-kn);display:flex;align-items:center;gap:10px}
.mob-close{position:absolute;top:20px;right:20px;background:rgba(255,255,255,.1);border:none;color:#fff;font-size:32px;cursor:pointer;width:60px;height:60px;border-radius:50%;display:flex;align-items:center;justify-content:center;transition:.2s;z-index:100000}
.mob-close:active{background:rgba(255,255,255,.3);transform:scale(0.9)}

/* HERO */
.hero{min-height:88vh;background:linear-gradient(135deg,#0F1636 0%,#1A2A5A 45%,#8B1428 100%);position:relative;display:flex;align-items:center;justify-content:center;text-align:center;overflow:hidden}
.hero-pattern{position:absolute;inset:0;background-image:radial-gradient(circle at 20% 80%,rgba(196,30,58,.35) 0%,transparent 50%),radial-gradient(circle at 80% 20%,rgba(212,168,82,.2) 0%,transparent 50%)}
.hero-particles{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.particle{position:absolute;border-radius:50%;background:rgba(212,168,82,.12);animation:float linear infinite}
@keyframes float{0%{transform:translateY(110vh) scale(0);opacity:0}10%{opacity:1}90%{opacity:.2}100%{transform:translateY(-80px) scale(1);opacity:0}}
.hero-content{position:relative;z-index:2;max-width:1100px;padding:6rem 1.5rem 4rem}
.hero-heading{display:flex;align-items:flex-start;justify-content:center;gap:1.25rem;margin-bottom:1.5rem}
.hero-logo{width:auto;height:90px;border-radius:14px;object-fit:contain;flex-shrink:0;filter:drop-shadow(0 4px 20px rgba(0,0,0,.35))}
.hero-heading-text{text-align:center}
.hero-kn{font-family:var(--ff-kn);font-size:clamp(1.5rem,3.5vw,2.8rem);font-weight:900;color:#fff;line-height:1.2;white-space:nowrap;animation:slideL .7s .2s ease-out both}
.hero-en{font-family:var(--ff-disp);font-size:clamp(.85rem,1.8vw,1.25rem);color:var(--gold-light);font-style:italic;margin-top:.4rem;animation:fadeIn .6s .4s ease-out both}
@keyframes slideL{from{opacity:0;transform:translateX(-50px)}to{opacity:1;transform:translateX(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.hero-stats{display:flex;justify-content:center;gap:2.5rem;margin-bottom:2rem;animation:fadeIn .6s .6s both;flex-wrap:wrap}
.hero-stat-num{font-family:var(--ff-disp);font-size:clamp(1.8rem,4vw,3rem);font-weight:700;color:var(--gold);line-height:1}
.hero-stat-label{font-size:12px;color:rgba(255,255,255,.6);margin-top:4px;font-family:var(--ff-kn)}
.h-div{width:1px;height:55px;background:rgba(255,255,255,.2);align-self:center}
.hero-ctas{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap;animation:fadeIn .6s .8s both}
.btn-p{background:var(--grad-main);color:#fff;border:none;padding:14px 30px;border-radius:50px;font-size:16px;font-weight:600;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:8px;box-shadow:var(--sh-lg);transition:.3s;font-family:var(--ff-body)}
.btn-p:hover{transform:translateY(-2px);box-shadow:0 15px 35px rgba(196,30,58,.4)}
.btn-s{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.45);padding:12px 28px;border-radius:50px;font-size:16px;font-weight:600;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:.3s;font-family:var(--ff-body)}
.btn-s:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.hero-scroll{position:absolute;bottom:28px;left:50%;transform:translateX(-50%);color:rgba(255,255,255,.45);font-size:22px;animation:bounce 2s infinite}
@keyframes bounce{0%,100%{transform:translateX(-50%) translateY(0)}50%{transform:translateX(-50%) translateY(8px)}}

/* NOTIFICATION CAROUSEL */
.notif-carousel{background:#fff;position:relative;z-index:10;overflow:hidden;border-bottom:1px solid var(--border);box-shadow:0 4px 24px rgba(26,42,90,.08)}
.notif-carousel-inner{max-width:1100px;margin:0 auto;padding:28px 20px;position:relative;min-height:180px;display:flex;align-items:center}
.notif-slide{position:absolute;left:60px;right:60px;top:0;bottom:0;display:flex;align-items:center;justify-content:center;opacity:0;transform:translateX(60px);transition:all .5s cubic-bezier(.4,0,.2,1);pointer-events:none}
.notif-slide.active{opacity:1;transform:translateX(0);pointer-events:auto}
.notif-slide.prev{opacity:0;transform:translateX(-60px)}
.notif-card{display:flex;align-items:flex-start;gap:22px;background:linear-gradient(135deg,#FAFBFF,#F5F3FF);border-radius:16px;padding:28px 32px;box-shadow:0 2px 12px rgba(26,42,90,.06);border:1px solid rgba(26,42,90,.08);width:100%;position:relative;overflow:hidden}
.notif-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px}
.notif-card.success::before{background:var(--green-dark)}
.notif-card.alert::before{background:var(--amber)}
.notif-card.info::before{background:#0EA5E9}
.notif-card.danger::before{background:var(--danger)}
.nc-icon{width:52px;height:52px;min-width:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0;margin-top:2px}
.notif-card.success .nc-icon{background:rgba(5,150,105,.1);color:var(--green-dark)}
.notif-card.alert .nc-icon{background:rgba(245,158,11,.1);color:var(--amber)}
.notif-card.info .nc-icon{background:rgba(14,165,233,.1);color:#0EA5E9}
.notif-card.danger .nc-icon{background:rgba(225,29,72,.1);color:var(--danger)}
.nc-body{flex:1;min-width:0}
.nc-title{font-weight:700;font-size:16px;color:var(--navy);margin-bottom:6px;font-family:var(--ff-kn);line-height:1.4}
.nc-msg{font-size:14px;color:var(--text2);line-height:1.6;font-family:var(--ff-kn)}
.nc-badge{font-size:11px;font-weight:600;padding:4px 12px;border-radius:50px;display:inline-block;margin-top:8px}
.notif-card.success .nc-badge{background:rgba(5,150,105,.08);color:var(--green-dark)}
.notif-card.alert .nc-badge{background:rgba(245,158,11,.08);color:#92400E}
.notif-card.info .nc-badge{background:rgba(14,165,233,.08);color:#0369A1}
.notif-arrow{position:absolute;top:50%;transform:translateY(-50%);width:40px;height:40px;border-radius:50%;background:#fff;border:1px solid var(--border);display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:16px;color:var(--navy);transition:.3s;z-index:2;box-shadow:0 2px 8px rgba(0,0,0,.06)}
.notif-arrow:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.notif-arrow.left{left:14px}
.notif-arrow.right{right:14px}
.notif-dots{display:flex;justify-content:center;gap:7px;padding:0 0 16px}
.notif-dot{width:8px;height:8px;border-radius:50%;background:rgba(26,42,90,.12);border:none;cursor:pointer;transition:.3s;padding:0}
.notif-dot:hover{background:rgba(26,42,90,.3)}
.notif-dot.active{background:var(--primary);width:24px;border-radius:4px}
@media(max-width:768px){
  .notif-carousel-inner{padding:22px 48px;min-height:200px}
  .notif-slide{padding:22px 48px}
  .notif-card{padding:20px;gap:14px;flex-direction:column;text-align:center}
  .nc-icon{margin:0 auto}
  .notif-arrow{width:32px;height:32px;font-size:14px}
  .notif-arrow.left{left:6px}
  .notif-arrow.right{right:6px}
}

/* SECTION */
.sec{padding:clamp(3rem,5vw,5rem) clamp(1rem,3vw,2rem)}
.sec-inner{max-width:1200px;margin:0 auto}
.sec-title{font-family:var(--ff-disp);font-size:clamp(1.6rem,4vw,2.6rem);font-weight:700;color:var(--navy);text-align:center;margin-bottom:.4rem}
.sec-title-kn{font-family:var(--ff-kn);font-size:clamp(1.4rem,3.5vw,2.2rem);font-weight:700;color:var(--navy);text-align:center;margin-bottom:.3rem}
.sec-sub{text-align:center;color:var(--text2);font-size:16px;margin-bottom:3rem;font-family:var(--ff-kn)}
.sec-line{width:55px;height:4px;background:var(--grad-main);border-radius:50px;margin:.8rem auto 2.5rem}

/* SCHEMES */
.schemes-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.scheme-card{background:#fff;border:2px solid var(--border);border-left:5px solid var(--gold);border-radius:16px;padding:1.75rem;box-shadow:var(--sh-md);transition:.3s;opacity:0;transform:translateY(30px);position:relative;overflow:hidden}
.scheme-card::after{content:'';position:absolute;top:0;right:0;width:100px;height:100px;background:var(--grad-main);opacity:.04;border-radius:0 0 0 100px;transition:.3s}
.scheme-card.vis{opacity:1;transform:translateY(0);transition:opacity .5s ease,transform .5s ease,box-shadow .3s,border-left-color .3s}
.scheme-card:hover{box-shadow:var(--sh-xl);transform:translateY(-8px);border-left-color:var(--primary)}
.sc-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(196,30,58,.08);color:var(--primary);border-radius:50px;padding:3px 11px;font-size:11px;font-weight:600;margin-bottom:.9rem;text-transform:uppercase;letter-spacing:.5px}
.sc-title-kn{font-family:var(--ff-kn);font-size:22px;font-weight:700;color:var(--navy);margin-bottom:2px}
.sc-title-en{font-size:13px;color:var(--text2);margin-bottom:1rem}
.sc-rate{display:flex;align-items:baseline;gap:6px;border-top:1px solid var(--border);padding-top:1rem;margin-bottom:.9rem}
.sc-rate-num{font-family:var(--ff-disp);font-size:3rem;font-weight:700;color:var(--primary);line-height:1}
.sc-rate-period{font-size:12px;font-weight:600;color:var(--text2)}
.sc-rate-badge{font-size:10px;color:var(--green-dark);background:var(--green-light);padding:2px 7px;border-radius:50px;display:inline-block;margin-top:3px}
.sc-min{font-size:12px;color:var(--text2);background:var(--bg);border-radius:8px;padding:7px 11px;margin-bottom:1rem;display:flex;justify-content:space-between}
.sc-benefits{list-style:none;margin-bottom:1.25rem}
.sc-benefits li{display:flex;align-items:center;gap:9px;font-size:14px;color:var(--text2);padding:5px 0;border-bottom:1px solid rgba(0,0,0,.04)}
.sc-benefits li:last-child{border:none}
.ben-chk{width:19px;height:19px;background:var(--green-light);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:10px;color:var(--green-dark);font-weight:700}
.sc-acts{display:flex;gap:.5rem}
.btn-out{flex:1;padding:10px;border:2px solid var(--primary);background:none;color:var(--primary);border-radius:50px;font-size:14px;font-weight:600;cursor:pointer;transition:.3s;font-family:var(--ff-body)}
.btn-out:hover{background:var(--primary);color:#fff}
.btn-fill{flex:1;padding:10px;background:var(--grad-main);border:none;color:#fff;border-radius:50px;font-size:14px;font-weight:600;cursor:pointer;transition:.3s;font-family:var(--ff-body);box-shadow:0 4px 15px rgba(196,30,58,.3)}
.btn-fill:hover{transform:translateY(-1px);box-shadow:0 8px 25px rgba(196,30,58,.4)}

/* SPECIAL SCHEMES */
.special-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:2rem}
.special-card{border-radius:16px;padding:2rem;position:relative;overflow:hidden;color:#fff}
.special-card.double{background:linear-gradient(135deg,#1A2A5A,#C41E3A)}
.special-card.bhavishya{background:linear-gradient(135deg,#0F4C2B,#1A7A45)}
.special-card-title{font-family:var(--ff-kn);font-size:18px;font-weight:700;margin-bottom:1rem;opacity:.9}
.special-big{font-family:var(--ff-disp);font-size:3.5rem;font-weight:700;color:var(--gold);line-height:1}
.special-label{font-size:14px;opacity:.8;margin-bottom:.5rem}
.special-rows{margin-top:1rem}
.special-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:13px}
.special-row:last-child{border:none}
.special-row strong{color:var(--gold-light)}

/* GALLERY SECTION */
.staff-card {
  border-radius:18px;
  overflow:hidden;
  box-shadow:0 4px 20px rgba(26,42,90,.08);
  border:1px solid rgba(26,42,90,.05);
  background:#fff;
  transition: transform 0.4s ease, box-shadow 0.4s ease;
  display: flex;
  justify-content: center;
  align-items: center;
}
.staff-card:hover {
  transform: translateY(-8px);
  box-shadow:0 12px 30px rgba(26,42,90,.15);
}
.staff-card img {
  width:100%;
  height:auto;
  max-height:100%;
  object-fit:contain;
  transition: transform 0.6s ease;
}
.staff-card:hover img {
  transform: scale(1.05);
}
@media(max-width:768px) {
  .staff-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 16px !important; }
}
@media(max-width:480px) {
  .staff-grid { grid-template-columns: 1fr !important; }
}

/* BROCHURE SECTION */
.brochure-section{background:linear-gradient(180deg,#fff 0%,var(--bg) 100%)}
.brochure-grid{display:block;max-width:800px;margin:0 auto;text-align:center}
.brochure-img{border-radius:16px;box-shadow:var(--sh-xl);width:100%;max-width:480px;display:block;margin:0 auto;border:3px solid rgba(212,168,82,.3)}
.brochure-content h3{font-family:var(--ff-kn);font-size:clamp(1.3rem,3vw,2rem);font-weight:700;color:var(--navy);margin-bottom:1rem}
.brochure-list{list-style:none;margin-top:1rem}
.brochure-list li{display:flex;gap:10px;padding:.6rem 0;border-bottom:1px solid var(--border);font-size:15px;font-family:var(--ff-kn)}
.brochure-list li:last-child{border:none}

/* CALCULATOR */
.calc-sec{background:var(--navy);position:relative;overflow:hidden}
.calc-sec::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 10% 50%,rgba(196,30,58,.2),transparent 50%),radial-gradient(circle at 90% 50%,rgba(212,168,82,.12),transparent 50%)}
.calc-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:24px;padding:clamp(1.5rem,3vw,3rem);max-width:720px;margin:0 auto;backdrop-filter:blur(10px);position:relative}
.calc-title{font-family:var(--ff-disp);font-size:clamp(1.5rem,3vw,2.2rem);color:#fff;text-align:center;margin-bottom:.3rem}
.calc-sub{text-align:center;color:rgba(255,255,255,.5);font-family:var(--ff-kn);margin-bottom:2rem;font-size:14px}
.calc-tabs{display:flex;background:rgba(255,255,255,.07);border-radius:50px;padding:4px;margin-bottom:1.5rem;gap:4px}
.calc-tab{flex:1;padding:10px;border:none;background:none;color:rgba(255,255,255,.6);border-radius:50px;font-family:var(--ff-body);font-weight:600;cursor:pointer;transition:.3s;font-size:14px}
.calc-tab.active{background:var(--grad-main);color:#fff;box-shadow:var(--sh-md)}
.calc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;margin-bottom:1.25rem}
.calc-field label{display:block;color:rgba(255,255,255,.65);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;margin-bottom:7px}
.calc-amt{font-family:var(--ff-disp);font-size:26px;font-weight:700;color:var(--gold);margin-bottom:6px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;background:rgba(255,255,255,.15);border-radius:3px;outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--gold);border-radius:50%;cursor:pointer;box-shadow:0 0 10px rgba(212,168,82,.4)}
.calc-sel{width:100%;padding:12px 14px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:10px;color:#fff;font-family:var(--ff-body);font-size:15px;cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23D4A852' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center}
.calc-sel option{background:#1A2A5A}
.senior-chk{display:flex;align-items:center;gap:9px;color:rgba(255,255,255,.75);font-size:14px;cursor:pointer;margin-bottom:1.5rem}
.senior-chk input{width:17px;height:17px;accent-color:var(--gold)}
.calc-res{background:rgba(255,255,255,.06);border:1px solid rgba(212,168,82,.25);border-radius:14px;padding:1.5rem;margin-bottom:1.5rem}
.calc-res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-bottom:.9rem}
.cr-item{text-align:center}
.cr-label{font-size:11px;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.7px;margin-bottom:5px}
.cr-val{font-family:var(--ff-disp);font-size:21px;font-weight:700;color:#fff}
.cr-val.hl{color:var(--gold);font-size:26px}
.calc-growth{text-align:center;background:rgba(16,185,129,.14);border:1px solid rgba(16,185,129,.28);border-radius:50px;padding:8px 18px;color:#6ee7b7;font-weight:700;font-size:14px}

/* TRUST */
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2rem}
.trust-card{text-align:center;padding:2rem 1.5rem;border-radius:16px;transition:.3s;border:1px solid var(--border);background:#fff}
.trust-card:hover{transform:translateY(-6px);box-shadow:var(--sh-lg)}
.trust-card:nth-child(1){background:linear-gradient(135deg,rgba(196,30,58,.05),rgba(196,30,58,.02));border-color:rgba(196,30,58,.2)}
.trust-card:nth-child(2){background:linear-gradient(135deg,rgba(212,168,82,.06),rgba(212,168,82,.02));border-color:rgba(212,168,82,.2)}
.trust-card:nth-child(3){background:linear-gradient(135deg,rgba(26,42,90,.06),rgba(26,42,90,.02));border-color:rgba(26,42,90,.2)}
.trust-icon{font-size:3rem;display:block;margin-bottom:1rem}
.trust-ttl{font-family:var(--ff-disp);font-size:22px;font-weight:700;color:var(--navy);margin-bottom:6px}
.trust-sub{color:var(--text2);font-size:15px}

/* TESTIMONIALS */
.test-sec{background:linear-gradient(180deg,var(--bg) 0%,#fff 100%)}
.carousel-wrap{max-width:700px;margin:0 auto}
.carousel-track{position:relative;min-height:290px}
.test-card{background:#fff;border:1px solid var(--border);border-left:5px solid var(--gold);border-radius:16px;padding:2rem;box-shadow:var(--sh-lg);position:absolute;width:100%;opacity:0;transition:opacity .4s;pointer-events:none}
.test-card.active{opacity:1;position:relative;pointer-events:auto}
.test-stars{color:var(--gold);font-size:18px;margin-bottom:1rem;letter-spacing:3px}
.test-quote{font-family:var(--ff-disp);font-size:clamp(1rem,2.2vw,1.2rem);font-style:italic;color:var(--text);line-height:1.6;margin-bottom:1.5rem}
.test-author{display:flex;align-items:center;gap:12px}
.test-avatar{width:52px;height:52px;border-radius:50%;background:var(--grad-main);display:flex;align-items:center;justify-content:center;font-size:20px;color:#fff;font-weight:700;flex-shrink:0;font-family:var(--ff-disp)}
.test-name{font-weight:700;font-size:15px;color:var(--navy)}
.test-role{font-size:12px;color:var(--text2)}
.carousel-dots{display:flex;justify-content:center;gap:8px;margin-top:1.5rem}
.c-dot{width:10px;height:10px;border-radius:50%;background:var(--border);border:none;cursor:pointer;transition:.3s;padding:0}
.c-dot.active{background:var(--primary);transform:scale(1.3)}

/* CONTACT */
.contact-sec{background:var(--navy);position:relative;overflow:hidden}
.contact-sec::before{content:'';position:absolute;bottom:0;right:0;width:400px;height:400px;background:radial-gradient(circle,rgba(196,30,58,.2),transparent 70%)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;position:relative}
.ci-title{font-family:var(--ff-disp);font-size:clamp(1.4rem,3vw,2rem);color:#fff;margin-bottom:1.75rem}
.ci-row{display:flex;align-items:flex-start;gap:12px;margin-bottom:1.25rem}
.ci-icon{width:40px;height:40px;background:rgba(212,168,82,.15);border:1px solid rgba(212,168,82,.3);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.ci-lbl{font-size:11px;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.7px}
.ci-val{color:#fff;font-size:15px;font-weight:500;text-decoration:none;display:block;transition:.2s}
a.ci-val:hover{color:var(--gold)}
.ci-acts{display:flex;gap:1rem;margin-top:1.75rem;flex-wrap:wrap}
.btn-wa{display:inline-flex;align-items:center;gap:7px;background:#25D366;color:#fff;padding:11px 20px;border-radius:50px;font-weight:600;font-size:14px;text-decoration:none;transition:.3s}
.btn-wa:hover{background:#128C7E;transform:translateY(-2px)}
.btn-gh{display:inline-flex;align-items:center;gap:7px;border:2px solid rgba(255,255,255,.28);color:rgba(255,255,255,.8);padding:9px 20px;border-radius:50px;font-weight:600;font-size:14px;text-decoration:none;transition:.3s}
.btn-gh:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.form-card{background:#fff;border-radius:20px;padding:1.75rem;box-shadow:var(--sh-xl)}
.form-card h3{font-family:var(--ff-disp);font-size:20px;margin-bottom:1.25rem;color:var(--navy)}
.fg{margin-bottom:1.1rem}
.fl{display:block;font-size:12px;font-weight:600;color:var(--text2);text-transform:uppercase;letter-spacing:.7px;margin-bottom:6px}
.fi,.ft{width:100%;padding:11px 14px;border:2px solid var(--border);border-radius:10px;font-family:var(--ff-body);font-size:15px;color:var(--text);transition:.2s;background:var(--bg);outline:none}
.fi:focus,.ft:focus{border-color:var(--primary);background:#fff}
.fi.err,.ft.err{border-color:var(--danger)}
.fe{font-size:12px;color:var(--danger);margin-top:4px;display:none}
.fe.show{display:block}
.ft{resize:vertical;min-height:110px}
.fs{width:100%;padding:14px;background:var(--grad-main);border:none;color:#fff;border-radius:50px;font-size:16px;font-weight:700;cursor:pointer;font-family:var(--ff-body);transition:.3s;box-shadow:0 4px 20px rgba(196,30,58,.3);letter-spacing:.3px}
.fs:hover{transform:translateY(-2px);box-shadow:0 8px 30px rgba(196,30,58,.4)}
.fs:disabled{opacity:.7;cursor:not-allowed;transform:none}

/* PRINTFRONT SECTION */
.pf-sec{background:var(--bg)}
.pf-grid{display:block;max-width:800px;margin:0 auto;text-align:center}
.pf-img{border-radius:16px;box-shadow:var(--sh-xl);width:100%;max-width:420px;display:block;margin:0 auto;border:2px solid rgba(26,42,90,.15)}
.pf-info h3{font-family:var(--ff-kn);font-size:clamp(1.2rem,2.5vw,1.75rem);font-weight:700;color:var(--navy);margin-bottom:1rem}
.loan-types{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-top:1rem}
.loan-chip{background:#fff;border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:10px;padding:.7rem 1rem;font-size:14px;font-family:var(--ff-kn);font-weight:600;color:var(--navy)}

/* FOOTER */
footer{background:var(--navy-dark);color:rgba(255,255,255,.65);padding:clamp(2.5rem,4vw,4rem) clamp(1rem,3vw,2rem) 1.5rem}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1.5fr 1.5fr;gap:2rem;padding-bottom:2rem;border-bottom:1px solid rgba(255,255,255,.1);margin-bottom:1.5rem}
.fb-name{font-family:var(--ff-kn);font-size:14px;font-weight:700;color:#fff;margin-bottom:5px;white-space:nowrap}
.fb-desc{font-size:13px;line-height:1.6;max-width:270px}
.fc-title{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--gold);margin-bottom:.9rem}
.fl-list{list-style:none}
.fl-list a{display:block;color:rgba(255,255,255,.6);text-decoration:none;font-size:14px;padding:4px 0;transition:.2s}
.fl-list a:hover{color:var(--gold)}
.fc-item{display:flex;align-items:center;gap:9px;margin-bottom:10px;font-size:14px}
.fc-item a{color:rgba(255,255,255,.65);text-decoration:none;transition:.2s}
.fc-item a:hover{color:var(--gold)}
.footer-bottom{max-width:1200px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;font-size:12px}
.f-badge{background:rgba(16,185,129,.12);border:1px solid rgba(16,185,129,.28);color:#6ee7b7;padding:3px 11px;border-radius:50px;font-size:11px;font-weight:600}

/* TOAST */
.toast-wrap{position:fixed;top:85px;left:50%;transform:translateX(-50%);z-index:99999;display:flex;flex-direction:column;gap:9px;align-items:center}
.toast{background:var(--navy);color:#fff;padding:11px 22px;border-radius:50px;font-size:14px;font-weight:600;box-shadow:var(--sh-xl);animation:toastIn .3s ease-out;display:flex;align-items:center;gap:8px;white-space:nowrap}
.toast.ok{background:var(--green-dark)}
.toast.err{background:var(--danger)}
@keyframes toastIn{from{opacity:0;transform:translateY(-16px)}to{opacity:1;transform:translateY(0)}}

/* RESPONSIVE */
@media(max-width:1024px){
  .schemes-grid,.trust-grid{grid-template-columns:1fr 1fr}
  .special-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>*:first-child{grid-column:1/-1}
  .footer-grid>*:nth-child(4){grid-column:1/-1}
}
@media(max-width:768px){
  .nav-links{display:none}
  .hamburger{display:block}
  .schemes-grid,.trust-grid,.special-grid,.calc-inputs,.calc-res-grid,
  .contact-grid,.brochure-grid,.pf-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:1.5rem}
  .footer-grid>*:first-child{grid-column:auto}
  .footer-bottom{flex-direction:column;text-align:center}
  .hero{min-height:72vh}
  .hero-heading{gap:.75rem;flex-direction:column;align-items:center}
  .hero-logo{height:65px}
  .hero-kn{font-size:1.1rem;white-space:normal;text-align:center}
  .hero-en{font-size:.75rem;text-align:center}
  .hero-content{padding:5rem 1rem 3rem}
  .h-div{display:none}
  .lang-sw{top:auto;bottom:16px;left:12px;right:auto;padding:5px 8px;gap:4px}
  .lang-btn{padding:4px 10px;font-size:11px}
  .loan-types{grid-template-columns:1fr}
  .notif-carousel-inner{padding:22px 48px;min-height:200px}
  .notif-slide{padding:22px 48px}
  .notif-card{padding:20px;gap:14px;flex-direction:column;text-align:center}
  .nc-icon{margin:0 auto}
  .notif-arrow{width:32px;height:32px;font-size:14px}
  .notif-arrow.left{left:6px}
  .notif-arrow.right{right:6px}
  .nav-logo img{height:40px}
  .nav-logo-title{font-size:12px}
  .nav-logo-sub{font-size:9px}
  .sec{padding:3rem 1rem}
  .calc-card{padding:1.5rem 1rem}
  .calc-res-grid{grid-template-columns:1fr}
  .calc-inputs{grid-template-columns:1fr}
  .calc-tabs{flex-wrap:wrap}
  .ci-acts{flex-direction:column}
  .btn-wa,.btn-gh{width:100%;justify-content:center}
  /* Scheme card buttons stack */
  .sc-acts{flex-direction:column}
  .btn-out,.btn-fill{width:100%;text-align:center}
  /* Data tables scroll on mobile */
  .data-table-wrap{padding:1rem;border-radius:12px}
  .data-table{min-width:480px}
  .data-table th,.data-table td{padding:10px 12px;font-size:14px}
  .dt-val{font-size:16px}
  .data-table-title{font-size:17px}
  .data-table-title::before,.data-table-title::after{width:25px}
  /* Board member grid on mobile */
  .sec-inner [style*="minmax(180px"],.sec-inner [style*="minmax(180px"]{grid-template-columns:repeat(2,1fr) !important}
}
@media(max-width:480px){
  .sec{padding:2.5rem .75rem}
  .calc-card{padding:1.5rem 1rem}
  .calc-tabs{flex-direction:row}
  .hero-stats{gap:1.5rem}
  .hero-stat-num{font-size:1.5rem}
  .hero-ctas{flex-direction:column;align-items:stretch}
  .btn-p,.btn-s{width:100%;justify-content:center;font-size:14px;padding:12px 20px}
  .scheme-card{padding:1.25rem}
  .sc-rate-num{font-size:2.2rem}
  .special-big{font-size:2.5rem}
  .test-card{padding:1.5rem}
  .form-card{padding:1.25rem}
  .ci-row{gap:10px}
  .ci-icon{width:36px;height:36px;font-size:16px}
  /* Notification on small phones */
  .notif-carousel-inner{padding:16px 36px;min-height:180px}
  .notif-slide{left:36px;right:36px}
  .notif-card{padding:16px;font-size:13px}
  .nc-title{font-size:14px}
  .nc-msg{font-size:12px}
  .nc-icon{width:40px;height:40px;min-width:40px;font-size:18px}
  /* Hero smaller on very small phones */
  .hero{min-height:65vh}
  .hero-logo{height:55px}
  /* Footer on small phones */
  .fb-name{font-size:13px}
  .fb-desc{font-size:12px}
  .fc-title{font-size:10px}
  .fl-list a{font-size:13px}
  .fc-item{font-size:13px}
  /* Data tables on small phones */
  .data-table-wrap{padding:.75rem;margin-bottom:1.5rem}
  .data-table-title{font-size:15px;gap:8px}
}

/* DATA TABLES */
.data-table-wrap{background:#fff;border-radius:16px;padding:1.75rem 2rem;border:1px solid var(--border);box-shadow:0 8px 24px rgba(26,42,90,.06);margin-bottom:2.5rem;position:relative;overflow-x:auto}
.data-table-wrap::before{content:'';position:absolute;top:0;left:0;bottom:0;width:5px;background:var(--grad-main)}
.data-table-title{font-family:var(--ff-kn);font-size:20px;font-weight:700;color:var(--navy);margin-bottom:1.5rem;text-align:center;display:flex;align-items:center;justify-content:center;gap:12px}
.data-table-title::before,.data-table-title::after{content:'';height:2px;width:40px;background:var(--gold);border-radius:2px;display:inline-block;opacity:0.6}
.data-table{width:100%;border-collapse:collapse;font-size:16px;font-family:var(--ff-kn);min-width:600px}
.data-table th{background:rgba(26,42,90,.04);color:var(--navy);font-weight:700;padding:15px 20px;text-align:left;border-bottom:2px solid var(--gold);white-space:nowrap}
.data-table th:first-child{border-top-left-radius:12px}
.data-table th:last-child{border-top-right-radius:12px}
.data-table td{padding:15px 20px;border-bottom:1px solid var(--border);color:var(--text);font-weight:600;transition:.2s}
.data-table tr:last-child td{border-bottom:none}
.data-table tbody tr:hover td{background:rgba(212,168,82,.06);color:var(--navy)}
.dt-val{font-family:var(--ff-disp);font-weight:700;font-size:19px;letter-spacing:0.5px}
.dt-val-primary{color:var(--primary)}
.dt-val-navy{color:var(--navy)}

/* Google Translate Overrides - hide all GT UI */
.goog-te-banner-frame, .goog-te-banner-frame.skiptranslate { display: none !important; }
.skiptranslate { display: none !important; }
#google_translate_element { display: none !important; }
body { top: 0px !important; position: static !important; }
iframe.goog-te-menu-frame { display: none !important; }
.goog-te-gadget { display: none !important; }
.goog-tooltip { display: none !important; }
.goog-tooltip:hover { display: none !important; }
.goog-text-highlight { background-color: transparent !important; border: none !important; box-shadow: none !important; }
/* Keep our lang switcher visible even though it doesn't have skiptranslate */
.lang-sw { display: flex !important; }