/* ============================================================
   Dhansar SACCOS — design system matching dhansar.coop.np
   Theme: dark (#111 family) + brand yellow (#FFC107) + white
   Fonts: Poppins + Noto Sans Devanagari
   ============================================================ */
:root {
  --yellow: #FFC107;
  --yellow-dark: #E6A800;
  --yellow-soft: #FFF6DE;
  --dark-950: #111111;
  --dark-900: #1B1B1B;
  --dark-800: #232323;
  --dark-700: #2C2C2C;
  --ink: #1F1F1F;
  --muted: #6B6B6B;
  --light: #F5F7FA;
  --line: #E8E8E8;
  --font-body: 'Poppins', 'Noto Sans Devanagari', sans-serif;
  --font-deva: 'Noto Sans Devanagari', 'Poppins', sans-serif;
  --shadow-sm: 0 4px 14px rgba(0,0,0,.06);
  --shadow-md: 0 12px 30px rgba(0,0,0,.12);
  --radius: 8px;
  /* legacy aliases (used in inline styles from main.js) */
  --gold-400: #FFD34D; --gold-500: #FFC107; --gold-600: #C78E00; --gold-100: #FFF4D6;
  --green-100: #FFF6DE; --green-600: #E6A800; --green-700: #B97E00; --green-800: #8F6200;
  --navy-900: #1B1B1B; --navy-800: #232323;
}

/* ---------- base ---------- */
html { scroll-behavior: smooth; scroll-padding-top: 110px; }
body { font-family: var(--font-body); color: #4A4A4A; background: #fff; overflow-x: hidden; }
h1,h2,h3,h4,h5 { font-family: var(--font-body); color: var(--ink); font-weight: 700; }
::selection { background: var(--yellow); color: #1F1F1F; }
a { text-decoration: none; }
.deva { font-family: var(--font-deva); }

/* ---------- buttons ---------- */
.btn { border-radius: 5px; font-weight: 600; font-size: .92rem; padding: .7rem 1.6rem; transition: all .25s ease; }
.btn-accent { background: var(--yellow); border: 2px solid var(--yellow); color: #1F1F1F; }
.btn-accent:hover { background: var(--yellow-dark); border-color: var(--yellow-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 10px 22px rgba(255,193,7,.35); }
.btn-accent-outline { background: transparent; border: 2px solid var(--yellow); color: var(--yellow); }
.btn-accent-outline:hover { background: var(--yellow); color: #1F1F1F; }
.btn-dark { background: var(--dark-800); color: #fff; border: none; }
.btn-dark:hover { background: #000; color: #fff; }
.btn-outline-dark { background: transparent; border: 2px solid var(--line); color: var(--ink); }
.btn-outline-dark:hover { border-color: var(--yellow); background: var(--yellow); color: #1F1F1F; }

/* ---------- topbar ---------- */
.topbar { background: var(--dark-950); color: #B5B5B5; font-size: .82rem; padding: .55rem 0; }
.topbar .tb-link { color: #B5B5B5; display: inline-flex; align-items: center; gap: .45rem; transition: color .2s; }
.topbar .tb-link:hover { color: var(--yellow); }
.topbar .tb-link i { color: var(--yellow); }
.topbar .tb-tag { font-family: var(--font-deva); color: var(--yellow); font-size: .88rem; }
.topbar .tb-soc { width: 28px; height: 28px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; border: 1px solid rgba(255,255,255,.2); color: #ddd; transition: all .25s; }
.topbar .tb-soc:hover { background: var(--yellow); border-color: var(--yellow); color: #1F1F1F; }

/* ---------- navbar (reference style) ---------- */
.main-navbar { background: #fff; padding: .55rem 0; transition: box-shadow .3s ease; }
.main-navbar.scrolled { box-shadow: 0 6px 24px rgba(0,0,0,.12); }
.main-navbar .navbar-brand img { transition: transform .25s; }
.main-navbar .navbar-brand:hover img { transform: scale(1.04); }
.main-navbar .nav-link {
  color: var(--ink); font-weight: 500; font-size: .94rem; padding: .6rem .85rem; position: relative;
}
.main-navbar .nav-link::after {
  content: ""; position: absolute; left: .85rem; right: .85rem; bottom: .2rem;
  height: 3px; background: var(--yellow); transform: scaleX(0); transform-origin: left; transition: transform .3s ease;
}
.main-navbar .nav-link:hover { color: var(--yellow-dark); }
.main-navbar .nav-link:hover::after, .main-navbar .nav-link.active::after { transform: scaleX(1); }
.main-navbar .nav-link.active { color: var(--yellow-dark); font-weight: 600; }
.main-navbar .navbar-toggler { border: 1px solid var(--line); border-radius: 6px; width: 44px; height: 44px; color: var(--ink); font-size: 1.4rem; }
.main-navbar .navbar-cta { margin-left: 1rem; }
@media (max-width: 991.98px) {
  .main-navbar .navbar-collapse { background: var(--dark-950); border-radius: 10px; padding: 1rem 1.1rem; margin-top: .8rem; max-height: calc(100vh - 120px); overflow-y: auto; }
  .main-navbar .nav-link { color: #D9D9D9; }
  .main-navbar .nav-link:hover, .main-navbar .nav-link.active { color: var(--yellow); }
  .main-navbar .nav-link::after { display: none; }
  .main-navbar .navbar-cta { margin: .8rem 0 0; width: 100%; text-align: center; }
}

/* ---------- sections ---------- */
.section { padding: 90px 0; position: relative; }
.section-sm { padding: 60px 0; position: relative; }
.section-dark { background: var(--dark-900); color: #C9C9C9; }
.section-dark h1,.section-dark h2,.section-dark h3,.section-dark h4,.section-dark h5 { color: #fff; }
.section-light { background: var(--light); }
.sec-head { text-align: center; max-width: 720px; margin: 0 auto 3rem; }
.sec-title { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 700; line-height: 1.25; margin-bottom: .8rem; }
.sec-title .accent { color: var(--yellow-dark); }
.section-dark .sec-title .accent { color: var(--yellow); }
.sec-sub { color: var(--muted); }
.section-dark .sec-sub { color: #9E9E9E; }

/* yellow circle decoration (their signature graphic) */
.deco-circles { position: absolute; width: 340px; height: 340px; pointer-events: none; z-index: 1; }
.deco-circles span { position: absolute; border-radius: 50%; border: 2px solid var(--yellow); }
.deco-circles span:nth-child(1) { width: 230px; height: 230px; top: 0; right: 0; }
.deco-circles span:nth-child(2) { width: 150px; height: 150px; top: 85px; right: 85px; background: rgba(255,193,7,.12); }
.deco-circles span:nth-child(3) { width: 80px; height: 80px; top: 180px; right: 175px; }
.deco-circles.bottom { bottom: -60px; top: auto; }
.deco-circles.dark span { border-color: rgba(255,193,7,.35); }
.deco-circles.dark span:nth-child(2) { background: rgba(255,193,7,.06); }

/* drop cap intro (reference "Introduction About" paragraph) */
.drop-cap::first-letter {
  font-size: 3.4em; font-weight: 700; color: var(--yellow-dark); float: left; line-height: .85; padding-right: .18em;
}

/* years-of-experience number */
.exp-num { font-size: clamp(4rem, 8vw, 6rem); font-weight: 800; color: var(--yellow-dark); line-height: 1; }
.exp-label { font-size: .95rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--ink); }
.tagline-italic { font-style: italic; color: var(--muted); font-size: 1.05rem; }

/* progress bars (JS animated: .bar-fill data-val, .commit-pct) */
.commit-bars { max-width: 760px; margin: 0 auto; }
.commit-row { margin-bottom: 1.1rem; }
.commit-top { display: flex; justify-content: space-between; font-weight: 600; font-size: .92rem; color: var(--ink); margin-bottom: .4rem; }
.commit-pct { color: var(--yellow-dark); font-weight: 700; }
.bar-track { height: 8px; border-radius: 999px; background: #ECECEC; overflow: hidden; }
.section-dark .commit-top { color: #fff; }
.section-dark .bar-track { background: #3A3A3A; }
.bar-fill { height: 100%; width: 0; border-radius: 999px; background: linear-gradient(90deg, var(--yellow-dark), var(--yellow)); transition: width 1.6s cubic-bezier(.2,.7,.3,1); }

/* ---------- hero (text left / image right, dark) ---------- */
.hero {
  background: var(--dark-950); position: relative; overflow: hidden; padding: 80px 0 90px;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.05) 1px, transparent 0);
  background-size: 26px 26px;
}
.hero-kicker { color: var(--yellow); font-weight: 600; letter-spacing: .14em; text-transform: uppercase; font-size: .8rem; display: inline-flex; align-items: center; gap: .5rem; margin-bottom: 1rem; }
.hero-kicker::before { content: ""; width: 38px; height: 2px; background: var(--yellow); }
.hero-title { color: #fff; font-size: clamp(1.9rem, 4.2vw, 3rem); font-weight: 800; line-height: 1.25; margin-bottom: .4rem; }
.hero-title .accent { color: var(--yellow); }
.hero-sub { color: #E4E4E4; font-family: var(--font-deva); font-size: 1.02rem; line-height: 1.9; margin-bottom: 1.6rem; }
.hero-img { position: relative; display: flex; justify-content: center; }
.hero-img::before { content: ""; position: absolute; width: 115%; aspect-ratio: 1; border-radius: 50%; border: 2px solid rgba(255,193,7,.5); top: 50%; left: 50%; transform: translate(-50%, -50%); }
.hero-img::after { content: ""; position: absolute; width: 85%; aspect-ratio: 1; border-radius: 50%; background: rgba(255,193,7,.08); top: 50%; left: 50%; transform: translate(-50%, -50%); }
.hero-img img { position: relative; width: min(400px, 82%); object-fit: contain; animation: floaty 6s ease-in-out infinite; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
.hero-facts { margin-top: 2.4rem; display: flex; flex-wrap: wrap; gap: 1.6rem; }
.hero-facts span { color: #BFBFBF; font-size: .85rem; display: inline-flex; gap: .5rem; align-items: center; }
.hero-facts i { color: var(--yellow); }

/* ---------- services 3-column signature layout ---------- */
.svc-box {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.8rem 1.6rem; box-shadow: var(--shadow-sm); height: 100%; position: relative;
  transition: all .3s ease; overflow: hidden;
}
.svc-box::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--yellow); transform: scaleX(0); transform-origin: left; transition: transform .35s ease; }
.svc-box:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.svc-box:hover::before { transform: scaleX(1); }
.ib-icon {
  width: 58px; height: 58px; border-radius: 50%; background: var(--yellow); color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin-bottom: 1rem;
  transition: transform .3s ease;
}
.svc-box:hover .ib-icon { transform: scale(1.08) rotate(-6deg); }
.svc-box h5 { font-size: 1.12rem; margin-bottom: .5rem; }
.svc-box h5 .soon { color: var(--yellow-dark); font-size: .8em; }
.svc-box p { color: var(--muted); font-size: .88rem; font-family: var(--font-deva); line-height: 1.75; margin: 0; }
.svc-mid { text-align: center; }
.svc-mid .logo-medal {
  width: 150px; height: 150px; margin: 1.4rem auto 0; border-radius: 50%;
  background: #fff; border: 3px solid var(--yellow); padding: 14px; box-shadow: var(--shadow-md);
  display: flex; align-items: center; justify-content: center;
}
.svc-mid .logo-medal img { width: 100%; height: 100%; object-fit: contain; }
.svc-link { display: inline-block; margin-top: 1rem; font-weight: 600; color: var(--yellow-dark); font-size: .9rem; }
.svc-link i { transition: transform .25s; }
.svc-link:hover i { transform: translateX(5px); }

/* ---------- gallery band (photo background) ---------- */
.gal-band {
  background: url('https://dhansar.coop.np/wp-content/uploads/elementor/thumbs/dhansar-agm-photo-8-qganatrfn9hf5z5m000p31zq83r4d2vzwjqlnrtx5k.jpg') center/cover no-repeat;
  position: relative; padding: 90px 0;
}
.gal-band::before { content: ""; position: absolute; inset: 0; background: rgba(17,17,17,.86); }
.gal-band .container { position: relative; }
.gal-band h2 { color: #fff; font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
.gal-band p { color: #BFBFBF; }

/* gallery items (JS rendered or static) */
.gallery-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
@media (min-width: 768px) { .gallery-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1200px) { .gallery-grid { grid-template-columns: repeat(4, 1fr); } }
.gal-static { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
@media (min-width: 768px) { .gal-static { grid-template-columns: repeat(3, 1fr); } }
.gallery-item {
  position: relative; border-radius: var(--radius); overflow: hidden; cursor: pointer;
  aspect-ratio: 4/3; box-shadow: var(--shadow-sm); transition: opacity .4s ease;
}
.gallery-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .7s ease; }
.gallery-item:hover img { transform: scale(1.1); }
.gallery-item figcaption {
  position: absolute; left: 0; right: 0; bottom: 0; padding: 2.2rem 1rem .9rem;
  background: linear-gradient(to top, rgba(17,17,17,.92), transparent);
  color: #fff; opacity: 0; transform: translateY(10px); transition: all .35s ease;
}
.gallery-item:hover figcaption { opacity: 1; transform: none; }
.gallery-item .g-cat { position: absolute; top: 10px; left: 10px; background: var(--yellow); color: #1F1F1F; font-size: .62rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; padding: .25rem .6rem; border-radius: 999px; }
.gallery-item .g-zoom { position: absolute; top: 10px; right: 10px; width: 34px; height: 34px; border-radius: 50%; background: var(--yellow); color: #1F1F1F; display: flex; align-items: center; justify-content: center; opacity: 0; transform: scale(.5); transition: all .3s ease; }
.gallery-item:hover .g-zoom { opacity: 1; transform: scale(1); }
.is-hidden { display: none !important; }
#galleryModal .modal-content { background: transparent; border: none; box-shadow: none; }
#galleryModal img { border-radius: 10px; max-height: 78vh; }
.gallery-caption { color: #E4E4E4; text-align: center; margin-top: .8rem; }

/* filter pills */
.filter-pills { display: flex; flex-wrap: wrap; gap: .55rem; margin-bottom: 1.6rem; }
.filter-pill {
  border: 1.5px solid var(--line); background: #fff; color: var(--muted);
  font-size: .84rem; font-weight: 600; border-radius: 999px; padding: .45rem 1.15rem;
  transition: all .25s ease; cursor: pointer;
}
.filter-pill:hover { border-color: var(--yellow); color: var(--yellow-dark); }
.filter-pill.active { background: var(--yellow); border-color: var(--yellow); color: #1F1F1F; }

/* ---------- news cards ---------- */
.news-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow-sm); height: 100%; display: flex; flex-direction: column; transition: all .3s ease;
}
.news-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.news-img { position: relative; overflow: hidden; aspect-ratio: 16/9.5; display: block; }
.news-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .7s ease; }
.news-card:hover .news-img img { transform: scale(1.08); }
.cat-tag { display: inline-block; font-size: .64rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: .26rem .65rem; border-radius: 999px; margin-bottom: .5rem; background: var(--yellow-soft); color: #8F6200; }
.cat-tag.on-img { position: absolute; top: 12px; left: 12px; margin: 0; background: var(--yellow); color: #1F1F1F; }
.news-body { padding: 1.25rem 1.3rem 1.4rem; display: flex; flex-direction: column; flex: 1; }
.news-meta { font-size: .76rem; color: var(--muted); margin-bottom: .5rem; display: flex; gap: 1rem; }
.news-meta i { color: var(--yellow-dark); margin-right: .3rem; }
.news-body h5 { font-size: 1.05rem; line-height: 1.4; margin-bottom: .5rem; }
.news-body h5 a { color: var(--ink); transition: color .25s; }
.news-body h5 a:hover { color: var(--yellow-dark); }
.news-body p { font-size: .87rem; color: var(--muted); flex: 1; }
.link-arrow { display: inline-flex; align-items: center; gap: .4rem; font-weight: 600; font-size: .86rem; color: var(--yellow-dark); }
.link-arrow i { transition: transform .3s; }
.link-arrow:hover i { transform: translateX(5px); }
.news-featured { position: relative; border-radius: var(--radius); overflow: hidden; min-height: 420px; display: flex; align-items: flex-end; color: #fff; }
.news-featured img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 8s ease; }
.news-featured:hover img { transform: scale(1.08); }
.news-featured::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(17,17,17,.95) 15%, rgba(17,17,17,.25) 70%); }
.news-featured .nf-content { position: relative; z-index: 2; padding: 2rem; }
.news-featured h3 { color: #fff; }

/* ---------- team / management (dark section, logo watermark) ---------- */
.team-section { background: var(--dark-900); position: relative; overflow: hidden; }
.team-section::before {
  content: ""; position: absolute; inset: 0;
  background: url('https://dhansar.coop.np/wp-content/uploads/2022/03/cropped-Dhansaar-Logo.png') center/360px no-repeat;
  opacity: .05; pointer-events: none;
}
.team-card { text-align: center; position: relative; }
.team-photo { border-radius: var(--radius); overflow: hidden; aspect-ratio: 1/1.05; margin-bottom: 1rem; box-shadow: var(--shadow-md); position: relative; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
.team-card:hover .team-photo img { transform: scale(1.07); }
.team-photo::after { content: ""; position: absolute; inset: 0; border: 3px solid var(--yellow); opacity: 0; transition: opacity .3s; border-radius: var(--radius); }
.team-card:hover .team-photo::after { opacity: 1; }
.team-card h5 { color: #fff; font-size: 1.02rem; font-family: var(--font-deva); }
.team-role { color: var(--yellow); font-size: .8rem; font-weight: 600; font-family: var(--font-deva); }

/* ---------- financial indicator boxes ---------- */
.fin-box {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem 1.6rem; box-shadow: var(--shadow-sm); height: 100%; position: relative; overflow: hidden;
  transition: all .3s ease;
}
.fin-box::after {
  content: attr(data-icon); position: absolute; right: -12px; bottom: -20px;
  font-family: 'Bootstrap Icons'; font-size: 6rem; color: var(--yellow-soft); z-index: 0;
}
.fin-box:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--yellow); }
.fin-box > * { position: relative; z-index: 1; }
.fin-icon { width: 52px; height: 52px; border-radius: 50%; background: var(--yellow); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin-bottom: 1rem; }
.fin-box h5 { font-size: .98rem; font-family: var(--font-deva); margin-bottom: .3rem; }
.fin-val { font-size: 1.65rem; font-weight: 800; color: var(--yellow-dark); font-family: var(--font-deva); line-height: 1.2; }

/* ---------- partners ---------- */
.partner-logo {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center; height: 130px; padding: 1.2rem;
  filter: grayscale(1); opacity: .75; transition: all .3s ease;
}
.partner-logo:hover { filter: none; opacity: 1; transform: translateY(-5px); box-shadow: var(--shadow-md); }
.partner-logo img { max-height: 84px; max-width: 100%; object-fit: contain; }

/* ---------- feedback donuts + quotes ---------- */
.donut {
  --p: 90;
  width: 158px; height: 158px; border-radius: 50%; margin: 0 auto 1rem;
  background: conic-gradient(var(--yellow) calc(var(--p) * 1%), #ECECEC 0);
  display: flex; align-items: center; justify-content: center; position: relative;
}
.donut::before { content: ""; position: absolute; inset: 17px; background: #fff; border-radius: 50%; }
.donut b { position: relative; font-size: 1.9rem; font-weight: 800; color: var(--ink); }
.donut-cap { text-align: center; font-weight: 600; color: var(--ink); font-family: var(--font-deva); }
.quote-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); height: 100%; display: flex; flex-direction: column; transition: all .3s ease; }
.quote-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.quote-card img { width: 100%; aspect-ratio: 16/9; object-fit: cover; }
.quote-card .qc-body { padding: 1.2rem 1.3rem 1.4rem; flex: 1; display: flex; flex-direction: column; }
.quote-card p { font-size: .86rem; font-style: italic; color: var(--muted); flex: 1; }
.quote-card .qc-name { font-weight: 700; color: var(--ink); font-size: .88rem; }
.quote-card .qc-role { font-size: .78rem; color: var(--yellow-dark); font-weight: 600; }
.stars { color: var(--yellow); letter-spacing: .15em; font-size: .8rem; margin-bottom: .5rem; }

/* ---------- phone pay ---------- */
.pay-box {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm);
  display: flex; align-items: center; justify-content: center; padding: 2rem;
}
.pay-box img { max-width: 100%; }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--dark-950); position: relative; overflow: hidden; padding: 70px 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.05) 1px, transparent 0);
  background-size: 26px 26px;
}
.cta-band h2 { color: #fff; font-size: clamp(1.4rem, 3vw, 2.1rem); font-family: var(--font-deva); }
.cta-band p { color: #BFBFBF; }
.cta-box {
  background: var(--dark-800); border: 1px solid rgba(255,255,255,.08); border-radius: var(--radius);
  padding: 1.4rem 1.6rem; display: flex; align-items: center; gap: 1rem; max-width: 420px; margin-left: auto;
}
.cta-box .cb-icon { width: 58px; height: 58px; flex: 0 0 58px; border-radius: 50%; background: var(--yellow); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; }
.cta-box strong { color: #fff; display: block; font-size: .95rem; }
.cta-box span { color: var(--yellow); font-weight: 700; font-size: 1.05rem; }

/* ---------- page banner ---------- */
.page-banner { background: var(--dark-950); position: relative; overflow: hidden; padding: 70px 0 60px;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.05) 1px, transparent 0); background-size: 26px 26px; }
.page-banner .breadcrumb { --bs-breadcrumb-divider: "›"; font-size: .84rem; margin-bottom: .9rem; }
.page-banner .breadcrumb a { color: #9E9E9E; }
.page-banner .breadcrumb a:hover { color: var(--yellow); }
.page-banner .breadcrumb .active { color: var(--yellow); }
.pb-title { color: #fff; font-size: clamp(2rem, 4.4vw, 3rem); font-weight: 800; margin-bottom: .5rem; }
.pb-title .accent { color: var(--yellow); }
.page-banner p { color: #BFBFBF; max-width: 640px; font-size: .98rem; }
.mask-reveal .mask-line { display: block; overflow: hidden; }
.mask-reveal .mask-line > span { display: block; transform: translateY(112%); transition: transform 1s cubic-bezier(.22,.7,.2,1); transition-delay: .15s; }
.mask-reveal.in .mask-line > span { transform: none; }

/* ---------- savings cards ---------- */
.save-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow-sm); height: 100%; display: flex; flex-direction: column; transition: all .3s ease; position: relative;
}
.save-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.save-card.popular { border: 2px solid var(--yellow); }
.popular-tag { position: absolute; top: 12px; right: -34px; background: var(--yellow); color: #1F1F1F; font-size: .66rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: .3rem 2.4rem; transform: rotate(45deg); z-index: 2; }
.save-head { padding: 1.4rem 1.4rem 1rem; border-bottom: 1px dashed var(--line); }
.save-head h5 { font-size: 1.02rem; font-family: var(--font-deva); margin-bottom: .3rem; }
.save-rate { font-size: 1.3rem; font-weight: 800; color: var(--yellow-dark); }
.save-rate small { font-size: .75rem; color: var(--muted); font-weight: 500; }
.save-body { padding: 1.1rem 1.4rem 1.4rem; display: flex; flex-direction: column; flex: 1; }
.save-feats { list-style: none; padding: 0; margin: 0 0 1.1rem; flex: 1; }
.save-feats li { font-size: .85rem; padding: .28rem 0; display: flex; gap: .5rem; }
.save-feats li i { color: var(--yellow-dark); font-size: .78rem; margin-top: .25rem; }

/* ---------- loan cards ---------- */
.loan-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem 1.5rem; height: 100%; transition: all .3s ease; position: relative; overflow: hidden;
}
.loan-card::after { content: "\20B9"; position: absolute; right: -12px; bottom: -28px; font-size: 6rem; color: var(--yellow-soft); font-weight: 800; transition: color .3s; pointer-events: none; }
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.loan-card:hover::after { color: var(--yellow-soft); filter: brightness(1.3); }
.loan-amount { display: inline-block; background: var(--yellow-soft); color: #8F6200; font-size: .74rem; font-weight: 700; padding: .32rem .7rem; border-radius: 999px; margin: .8rem 0; }
.loan-elig { font-size: .83rem; color: var(--muted); border-top: 1px dashed var(--line); padding-top: .8rem; }
.loan-elig strong { color: var(--ink); }

/* steps */
.step { position: relative; padding-top: .6rem; text-align: center; }
.step-num {
  width: 58px; height: 58px; border-radius: 50%; margin: 0 auto 1rem; background: #fff;
  border: 2px solid var(--yellow); color: var(--ink); font-weight: 800; font-size: 1.3rem;
  display: flex; align-items: center; justify-content: center; position: relative; z-index: 2; transition: all .3s;
}
.step:hover .step-num { background: var(--yellow); transform: scale(1.08); }
.step h6 { font-weight: 700; color: var(--ink); }
.step p { font-size: .85rem; color: var(--muted); }
.step::before { content: ""; position: absolute; top: 34px; left: calc(50% + 34px); right: calc(-50% + 34px); border-top: 2px dashed rgba(230,168,0,.5); }
.step:last-child::before { display: none; }
@media (max-width: 991.98px) { .step::before { display: none; } }

/* ---------- notice cards ---------- */
.notice-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 992px) { .notice-grid { grid-template-columns: repeat(2, 1fr); } }
.notice-card {
  display: flex; gap: 1rem; align-items: flex-start; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.15rem 1.25rem; transition: all .3s ease; height: 100%;
}
.notice-card:hover { border-color: var(--yellow); box-shadow: var(--shadow-md); transform: translateX(6px); }
.notice-date { flex: 0 0 60px; text-align: center; background: var(--dark-900); color: #fff; border-radius: 10px; line-height: 1.15; padding: .45rem 0 .55rem; }
.notice-date .d { font-size: 1.4rem; font-weight: 800; color: var(--yellow); display: block; }
.notice-date .m { font-size: .64rem; letter-spacing: .08em; text-transform: uppercase; color: #9E9E9E; }
.notice-card h5 { font-size: .98rem; margin-bottom: .3rem; }
.notice-card p { font-size: .84rem; color: var(--muted); margin-bottom: .5rem; }
.notice-view { font-size: .82rem; font-weight: 600; color: var(--yellow-dark); display: inline-flex; gap: .35rem; align-items: center; background: none; border: 0; padding: 0; }
.notice-view i { transition: transform .3s; }
.notice-view:hover i { transform: translateX(4px); }

/* ---------- rate table ---------- */
.rate-table { --bs-table-bg: transparent; }
.rate-table thead th { background: var(--dark-900); color: #fff; font-size: .78rem; letter-spacing: .05em; text-transform: uppercase; border: none; padding: .85rem 1rem; }
.rate-table tbody td { padding: .85rem 1rem; font-size: .9rem; border-color: var(--line); }
.rate-table tbody tr { transition: background .2s; }
.rate-table tbody tr:hover { background: var(--yellow-soft); }
.rate-table .up { color: var(--yellow-dark); font-weight: 700; }

/* ---------- calculator ---------- */
.calc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; height: 100%; }
.calc-card .calc-head { background: var(--dark-900); color: #fff; padding: 1rem 1.5rem; display: flex; align-items: center; gap: .8rem; }
.calc-card .calc-head i { color: var(--yellow); font-size: 1.3rem; }
.calc-card .calc-head small { color: #9E9E9E; display: block; font-weight: 400; }
.form-label { font-weight: 600; font-size: .84rem; color: var(--ink); }
.form-control:focus, .form-select:focus { border-color: var(--yellow-dark); box-shadow: 0 0 0 .2rem rgba(255,193,7,.18); }
.calc-result { background: var(--light); border-radius: 10px; padding: 1.1rem 1.2rem; margin-top: 1.1rem; }
.calc-row { display: flex; justify-content: space-between; font-size: .9rem; padding: .35rem 0; color: var(--muted); }
.calc-row strong { color: var(--ink); }
.calc-row.total { border-top: 1px dashed var(--line); margin-top: .4rem; padding-top: .7rem; }
.calc-row.total strong { font-size: 1.35rem; font-weight: 800; color: var(--yellow-dark); }
.calc-bar { display: flex; height: 10px; border-radius: 999px; overflow: hidden; margin-top: .9rem; background: #E8E8E8; }
.calc-bar .part-p { background: var(--dark-800); }
.calc-bar .part-i { background: var(--yellow); }
.calc-legend { display: flex; gap: 1.2rem; font-size: .74rem; color: var(--muted); margin-top: .55rem; }
.calc-legend i { width: 10px; height: 10px; border-radius: 3px; display: inline-block; margin-right: .35rem; }

/* ---------- downloads ---------- */
.download-item {
  display: flex; align-items: center; gap: 1rem; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.1rem 1.3rem; transition: all .28s ease; height: 100%;
}
.download-item:hover { border-color: var(--yellow); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.dl-icon { width: 52px; height: 52px; flex: 0 0 52px; border-radius: 50%; background: var(--yellow); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 1.35rem; }
.dl-icon.dark { background: var(--dark-800); }
.dl-icon.outline { background: var(--yellow-soft); color: var(--yellow-dark); }
.download-item h6 { font-weight: 700; color: var(--ink); margin-bottom: .15rem; }
.download-item small { color: var(--muted); }
.btn-dl { margin-left: auto; width: 44px; height: 44px; flex: 0 0 44px; border-radius: 50%; border: 1.5px solid var(--line); color: var(--ink); display: flex; align-items: center; justify-content: center; transition: all .25s; }
.btn-dl:hover { background: var(--yellow); border-color: var(--yellow); color: #fff; }

/* ---------- membership ---------- */
.member-benefit {
  display: flex; gap: .9rem; align-items: flex-start; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.1rem 1.2rem; transition: all .28s ease; height: 100%;
}
.member-benefit:hover { border-color: var(--yellow); box-shadow: var(--shadow-sm); transform: translateY(-4px); }
.member-benefit i { font-size: 1.5rem; color: var(--yellow-dark); margin-top: .15rem; }
.member-benefit h6 { font-weight: 700; font-size: .95rem; color: var(--ink); }
.member-benefit p { font-size: .83rem; color: var(--muted); margin: 0; }

/* contact */
.contact-info-item {
  display: flex; gap: 1rem; align-items: flex-start; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1rem 1.15rem; margin-bottom: .85rem; transition: all .28s ease;
}
.contact-info-item:hover { border-color: var(--yellow); transform: translateX(6px); box-shadow: var(--shadow-sm); }
.contact-info-item h6 { font-size: .78rem; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); margin-bottom: .2rem; }
.contact-info-item p { margin: 0; font-size: .92rem; color: var(--ink); font-weight: 600; }
.map-frame { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-md); min-height: 340px; }
.map-frame iframe { width: 100%; height: 100%; min-height: 340px; border: 0; display: block; }

/* FAQ */
.accordion { --bs-accordion-border-radius: 8px; }
.accordion-item { border: 1px solid var(--line) !important; border-radius: 8px !important; margin-bottom: .8rem; overflow: hidden; background: #fff; }
.accordion-button { font-weight: 600; font-size: .95rem; color: var(--ink); background: #fff; padding: 1rem 1.25rem; box-shadow: none !important; }
.accordion-button:not(.collapsed) { background: var(--dark-900); color: #fff; }
.accordion-button .bi { color: var(--yellow-dark); transition: transform .3s; }
.accordion-button:not(.collapsed) .bi { transform: rotate(45deg); color: var(--yellow); }
.accordion-body { color: var(--muted); font-size: .9rem; padding: 1.05rem 1.25rem; }

/* newsletter band */
.newsletter-band { background: var(--dark-950); padding: 3rem 0; position: relative; overflow: hidden;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.05) 1px, transparent 0); background-size: 24px 24px; }
.newsletter-band h5 { color: #fff; }
.newsletter-band p { color: #9E9E9E; }
.newsletter-form .form-control { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.2); color: #fff; border-radius: 5px 0 0 5px; }
.newsletter-form .form-control::placeholder { color: #8A8A8A; }
.newsletter-form .form-control:focus { background: rgba(255,255,255,.12); color: #fff; border-color: var(--yellow); box-shadow: none; }
.newsletter-form .btn { border-radius: 0 5px 5px 0; }

/* ---------- footer ---------- */
.site-footer { background: #141414; color: #9E9E9E; font-size: .9rem; position: relative; }
.site-footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--yellow); }
.site-footer h6 { color: #fff; font-size: .8rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 1.3rem; position: relative; padding-bottom: .6rem; }
.site-footer h6::after { content: ""; position: absolute; left: 0; bottom: 0; width: 34px; height: 3px; background: var(--yellow); }
.f-links { list-style: none; padding: 0; margin: 0; }
.f-links li { margin-bottom: .55rem; }
.f-links a { color: #9E9E9E; transition: all .25s; display: inline-flex; align-items: center; gap: .45rem; font-size: .89rem; }
.f-links a i { font-size: .6rem; color: var(--yellow); }
.f-links a:hover { color: var(--yellow); padding-left: 4px; }
.f-contact li { display: flex; gap: .7rem; margin-bottom: .8rem; align-items: flex-start; }
.f-contact i { color: var(--yellow); margin-top: .2rem; }
.f-social { display: flex; gap: .55rem; margin-top: 1.1rem; }
.f-social a { width: 38px; height: 38px; border-radius: 50%; background: #232323; color: #ddd; display: flex; align-items: center; justify-content: center; transition: all .28s; }
.f-social a:hover { background: var(--yellow); color: #1F1F1F; transform: translateY(-4px); }
.footer-bottom { border-top: 1px solid #262626; padding: 1.25rem 0; font-size: .82rem; color: #7A7A7A; }
.footer-bottom a { color: #9E9E9E; }
.footer-bottom a:hover { color: var(--yellow); }

/* ---------- preloader / back-to-top / toast ---------- */
.preloader { position: fixed; inset: 0; z-index: 2100; background: var(--dark-950); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 1.2rem; transition: opacity .6s ease, visibility .6s; }
.preloader.done { opacity: 0; visibility: hidden; }
.preloader img { animation: pulse 1.4s ease-in-out infinite; }
@keyframes pulse { 0%,100% { transform: scale(1); opacity: 1; } 50% { transform: scale(1.1); opacity: .7; } }
.preloader-bar { width: 150px; height: 3px; border-radius: 3px; background: rgba(255,255,255,.12); overflow: hidden; }
.preloader-bar span { display: block; height: 100%; width: 40%; border-radius: 3px; background: var(--yellow); animation: loadSlide 1.1s ease-in-out infinite; }
@keyframes loadSlide { 0% { transform: translateX(-120%); } 100% { transform: translateX(320%); } }
.back-to-top {
  position: fixed; right: 20px; bottom: 20px; z-index: 1040; width: 46px; height: 46px;
  border-radius: 50%; border: none; background: var(--yellow); color: #1F1F1F; font-size: 1.1rem;
  box-shadow: 0 12px 26px rgba(255,193,7,.4); opacity: 0; transform: translateY(16px);
  pointer-events: none; transition: all .35s ease;
}
.back-to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.back-to-top:hover { background: var(--dark-900); color: var(--yellow); }
.app-toast {
  position: fixed; right: 20px; bottom: 80px; z-index: 1050; background: var(--dark-900); color: #fff;
  border-left: 4px solid var(--yellow); border-radius: 10px; padding: 1rem 1.3rem; box-shadow: var(--shadow-md);
  display: flex; gap: .8rem; align-items: center; max-width: 340px;
  opacity: 0; transform: translateY(14px); pointer-events: none; transition: all .4s ease;
}
.app-toast.show { opacity: 1; transform: none; }
.app-toast i { color: var(--yellow); font-size: 1.3rem; }
.app-toast small { color: #9E9E9E; display: block; }

/* ---------- scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .75s ease, transform .75s cubic-bezier(.2,.7,.3,1); transition-delay: var(--rd, 0s); }
.reveal-scale { transform: scale(.94); }
.reveal.in { opacity: 1; transform: none; }

/* ---------- responsive / reduced motion ---------- */
@media (max-width: 575.98px) {
  .section { padding: 64px 0; }
  .hero { padding: 50px 0 60px; }
  .hero-img { margin-top: 3rem; }
  .cta-box { margin-left: 0; }
  .deco-circles { transform: scale(.7); right: -60px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
  .mask-reveal .mask-line > span { transform: none; }
}