/* =============================================
   SHREELAXMI COOPERATIVE - MAIN STYLESHEET
   Color palette: to be updated from logo
   ============================================= */

/* ---- CSS Variables ---- */
:root {
  --primary:       #2E7D32;   /* forest green - from logo */
  --primary-dark:  #1B5E20;
  --primary-light: #43A047;
  --accent:        #F9A825;   /* gold/amber - from logo center */
  --accent-light:  #FFCA28;
  --white:         #FFFFFF;
  --off-white:     #F9F6F0;
  --gray-100:      #F3F4F6;
  --gray-200:      #E5E7EB;
  --gray-400:      #9CA3AF;
  --gray-600:      #4B5563;
  --gray-800:      #1F2937;
  --text:          #1F2937;
  --text-muted:    #6B7280;
  --shadow-sm:     0 1px 3px rgba(0,0,0,.12);
  --shadow-md:     0 4px 16px rgba(0,0,0,.12);
  --shadow-lg:     0 8px 32px rgba(0,0,0,.15);
  --radius-sm:     6px;
  --radius-md:     12px;
  --radius-lg:     20px;
  --transition:    .3s ease;
  --font-main:     'Inter', 'Segoe UI', sans-serif;
  --font-heading:  'Playfair Display', Georgia, serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; height: auto; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ---- Utility ---- */
.container    { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section      { padding: 80px 0; }
.section-alt  { background: var(--off-white); }
.text-center  { text-align: center; }
.text-primary { color: var(--primary); }
.text-accent  { color: var(--accent); }

/* Section Headers */
.section-header { margin-bottom: 50px; }
.section-header .label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  background: rgba(212,175,55,.12);
  padding: 4px 14px;
  border-radius: 50px;
  margin-bottom: 12px;
}
.section-header h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  color: var(--primary-dark);
  line-height: 1.25;
  margin-bottom: 14px;
}
.section-header p {
  color: var(--text-muted);
  max-width: 580px;
  margin: 0 auto;
  font-size: 1.05rem;
}
.divider {
  width: 60px; height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  border-radius: 2px;
  margin: 14px auto 0;
}
.divider-left { margin-left: 0; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: 50px;
  font-size: .95rem;
  font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(139,26,26,.35);
}
.btn-primary:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(139,26,26,.45);
}
.btn-accent {
  background: var(--accent);
  color: var(--primary-dark);
  box-shadow: 0 4px 14px rgba(212,175,55,.4);
}
.btn-accent:hover {
  background: var(--accent-light);
  transform: translateY(-2px);
}
.btn-outline {
  border: 2px solid var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-white {
  background: var(--white);
  color: var(--primary);
}
.btn-white:hover {
  background: var(--off-white);
  transform: translateY(-2px);
}

/* Cards */
.card {
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  transition: var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* Badge */
.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: .75rem;
  font-weight: 600;
}
.badge-primary { background: var(--primary); color: var(--white); }
.badge-accent  { background: var(--accent);  color: var(--primary-dark); }
.badge-success { background: #16a34a; color: var(--white); }

/* =============================================
   TOPBAR
   ============================================= */
.topbar {
  background: var(--primary-dark);
  color: rgba(255,255,255,.85);
  font-size: .82rem;
  padding: 7px 0;
  border-bottom: 2px solid var(--accent);
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar-left, .topbar-right {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.topbar a { color: rgba(255,255,255,.85); }
.topbar a:hover { color: var(--accent); }
.topbar-item { display: flex; align-items: center; gap: 6px; }
.topbar-item i { color: var(--accent); font-size: .85rem; }
.social-links { display: flex; gap: 10px; }
.social-links a {
  width: 26px; height: 26px;
  background: rgba(255,255,255,.12);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .78rem;
  transition: var(--transition);
}
.social-links a:hover { background: var(--accent); color: var(--primary-dark); }

/* =============================================
   NAVBAR
   ============================================= */
.navbar {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(0,0,0,.15);
}
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 8px;
  flex-wrap: nowrap;
  overflow: visible;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
  max-width: 260px;
}
.nav-brand-logo {
  width: 44px; height: 44px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--accent);
  flex-shrink: 0;
}
.nav-brand-logo-placeholder {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--primary);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 700;
  border: 2px solid var(--accent);
  flex-shrink: 0;
}
.nav-brand-text { line-height: 1.2; min-width: 0; overflow: hidden; }
.nav-brand-name {
  font-family: var(--font-heading);
  font-size: .82rem;
  font-weight: 700;
  color: var(--primary-dark);
  display: block;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.nav-brand-line2 {
  font-size: .78rem;
  font-weight: 700;
  color: var(--primary);
  display: block;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  line-height: 1.2;
}
.nav-brand-sub {
  font-size: .6rem;
  color: var(--text-muted);
  letter-spacing: .02em;
  white-space: nowrap;
  display: block;
}
.nav-menu {
  display: flex;
  align-items: center;
  gap: 0;
  flex: 1;
  justify-content: flex-end;
  flex-wrap: nowrap;
}
.nav-item { position: relative; flex-shrink: 0; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 3px;
  padding: 6px 8px;
  border-radius: var(--radius-sm);
  font-size: .78rem;
  font-weight: 600;
  color: var(--gray-800);
  transition: var(--transition);
  white-space: nowrap;
  white-space: nowrap;
  line-height: 1;
}
.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: rgba(46,125,50,.08);
}
.nav-link i.arrow { font-size: .6rem; transition: var(--transition); }
.nav-item:hover .arrow { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 200px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 999;
  overflow: hidden;
}
.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: block;
  padding: 10px 16px;
  font-size: .88rem;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-100);
  transition: var(--transition);
}
.dropdown a:last-child { border-bottom: none; }
.dropdown a:hover {
  background: rgba(46,125,50,.07);
  color: var(--primary);
  padding-left: 22px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--primary-dark);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* =============================================
   HERO
   ============================================= */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  background:
    linear-gradient(135deg,
      rgba(27,94,32,0.88) 0%,
      rgba(46,125,50,0.78) 50%,
      rgba(56,142,60,0.72) 100%),
    url('../images/laxmi-complex.jpg') center center / cover no-repeat;
  background-attachment: fixed, fixed;
  overflow: hidden;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(212,175,55,.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(255,255,255,.05) 0%, transparent 40%);
}
.hero-shapes { position: absolute; inset: 0; overflow: hidden; }
.hero-shape {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(212,175,55,.2);
}
.hero-shape-1 { width: 600px; height: 600px; top: -200px; right: -100px; }
.hero-shape-2 { width: 400px; height: 400px; bottom: -150px; left: -100px; }
.hero-shape-3 { width: 200px; height: 200px; top: 30%; right: 20%; border-color: rgba(255,255,255,.1); }

.hero .container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 80px 24px;
}
.hero-content { color: var(--white); }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,175,55,.2);
  border: 1px solid rgba(212,175,55,.4);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: .82rem;
  color: var(--accent-light);
  font-weight: 600;
  letter-spacing: .06em;
  margin-bottom: 24px;
}
.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 3.4rem);
  font-weight: 700;
  line-height: 1.18;
  margin-bottom: 20px;
}
.hero-title .highlight {
  color: var(--accent);
  display: block;
}
.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,.82);
  margin-bottom: 36px;
  max-width: 480px;
  line-height: 1.8;
}
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.hero-stat {
  border-left: 2px solid rgba(212,175,55,.4);
  padding-left: 16px;
}
.hero-stat-number {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
}
.hero-stat-label {
  font-size: .8rem;
  color: rgba(255,255,255,.7);
  margin-top: 4px;
}

/* Hero Image / Card side */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hero-card {
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  color: var(--white);
  transition: var(--transition);
}
.hero-card:hover { background: rgba(255,255,255,.15); transform: translateX(-4px); }
.hero-card-icon {
  width: 44px; height: 44px;
  background: var(--accent);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-dark);
  font-size: 1.2rem;
  margin-bottom: 12px;
}
.hero-card h4 { font-size: 1rem; font-weight: 600; margin-bottom: 4px; }
.hero-card p  { font-size: .85rem; color: rgba(255,255,255,.75); }
.hero-card-rate {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--accent);
  margin-top: 6px;
}

/* =============================================
   MARQUEE / NOTICE TICKER
   ============================================= */
.ticker {
  background: var(--primary-dark);
  color: var(--white);
  padding: 0;
  overflow: hidden;
  border-top: 3px solid var(--accent);
  display: flex;
  align-items: stretch;
  height: 40px;
}
.ticker-label {
  background: var(--accent);
  color: var(--primary-dark);
  font-weight: 800;
  font-size: .78rem;
  padding: 0 20px;
  letter-spacing: .1em;
  text-transform: uppercase;
  white-space: nowrap;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 7px;
  clip-path: polygon(0 0, calc(100% - 10px) 0, 100% 50%, calc(100% - 10px) 100%, 0 100%);
  padding-right: 28px;
  z-index: 1;
}
.ticker-track {
  flex: 1;
  overflow: hidden;
  display: flex;
  align-items: center;
  position: relative;
  mask-image: linear-gradient(to right, transparent 0%, black 3%, black 97%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 3%, black 97%, transparent 100%);
}
.ticker-content {
  display: flex;
  align-items: center;
  animation: ticker-scroll 40s linear infinite;
  white-space: nowrap;
  will-change: transform;
}
.ticker-content:hover { animation-play-state: paused; }
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 0 48px;
  font-size: .85rem;
  font-weight: 500;
  color: rgba(255,255,255,.9);
  letter-spacing: .01em;
}
.ticker-sep {
  color: var(--accent);
  font-size: .55rem;
  flex-shrink: 0;
}
@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* =============================================
   QUICK LINKS STRIP
   ============================================= */
.quick-links { padding: 32px 0; background: var(--white); border-bottom: 1px solid var(--gray-200); }
.quick-links .container { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.quick-link-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  padding: 20px 12px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--gray-200);
  text-align: center;
  transition: var(--transition);
  cursor: pointer;
  text-decoration: none;
  color: var(--text);
}
.quick-link-item:hover {
  border-color: var(--primary);
  background: rgba(139,26,26,.04);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.quick-link-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--primary-light), var(--primary-dark));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.3rem;
  box-shadow: 0 4px 12px rgba(139,26,26,.25);
}
.quick-link-item:hover .quick-link-icon { background: linear-gradient(135deg, var(--accent), #B8960C); }
.quick-link-label { font-size: .83rem; font-weight: 600; color: var(--gray-800); }
.quick-link-sub   { font-size: .72rem; color: var(--text-muted); }

/* =============================================
   SERVICES
   ============================================= */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.service-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  border: 1.5px solid var(--gray-200);
  position: relative;
  overflow: hidden;
  transition: var(--transition);
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 4px; height: 100%;
  background: linear-gradient(180deg, var(--primary), var(--accent));
  transform: scaleY(0);
  transform-origin: top;
  transition: var(--transition);
}
.service-card:hover::before { transform: scaleY(1); }
.service-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.service-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, rgba(139,26,26,.1), rgba(212,175,55,.1));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  color: var(--primary);
  margin-bottom: 20px;
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
}
.service-card h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 10px; color: var(--gray-800); }
.service-card p  { font-size: .9rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 18px; }
.service-card .learn-more {
  font-size: .85rem;
  font-weight: 600;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.service-card:hover .learn-more { gap: 10px; }

/* =============================================
   INTEREST RATES TABLE
   ============================================= */
.rates-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 28px;
  border-bottom: 2px solid var(--gray-200);
  padding-bottom: 0;
}
.rate-tab {
  padding: 10px 22px;
  font-size: .9rem;
  font-weight: 600;
  color: var(--text-muted);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  cursor: pointer;
  transition: var(--transition);
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
}
.rate-tab.active, .rate-tab:hover {
  color: var(--primary);
  border-bottom-color: var(--primary);
  background: rgba(139,26,26,.05);
}
.rate-panel { display: none; }
.rate-panel.active { display: block; }
.rates-table { width: 100%; border-collapse: collapse; border-radius: var(--radius-md); overflow: hidden; }
.rates-table thead tr { background: var(--primary); color: var(--white); }
.rates-table thead th { padding: 14px 18px; text-align: left; font-size: .88rem; font-weight: 600; }
.rates-table tbody tr { border-bottom: 1px solid var(--gray-200); transition: var(--transition); }
.rates-table tbody tr:last-child { border-bottom: none; }
.rates-table tbody tr:hover { background: rgba(139,26,26,.04); }
.rates-table tbody td { padding: 13px 18px; font-size: .9rem; }
.rates-table .rate-val {
  font-weight: 700;
  color: var(--primary);
  font-size: 1rem;
}
.rates-note {
  margin-top: 14px;
  font-size: .82rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 6px;
}
.rates-note i { color: var(--accent); }

/* =============================================
   NOTICE BOARD
   ============================================= */
.notices-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.notice-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 24px;
  border: 1.5px solid var(--gray-200);
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: var(--transition);
}
.notice-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.notice-date {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .78rem;
  color: var(--text-muted);
}
.notice-date i { color: var(--accent); }
.notice-card h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-800);
  line-height: 1.4;
}
.notice-card p { font-size: .87rem; color: var(--text-muted); flex: 1; }
.notice-read-more {
  font-size: .82rem;
  font-weight: 600;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 5px;
  margin-top: auto;
  transition: var(--transition);
}
.notice-card:hover .notice-read-more { gap: 10px; }

/* =============================================
   ABOUT STRIP
   ============================================= */
.about-strip .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-image-wrap { position: relative; }
.about-image-main {
  border-radius: var(--radius-lg);
  width: 100%;
  height: 420px;
  object-fit: cover;
  box-shadow: var(--shadow-lg);
}
.about-image-placeholder {
  border-radius: var(--radius-lg);
  width: 100%;
  height: 420px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 60%, var(--gray-800) 100%);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-lg);
}
.about-image-placeholder i { font-size: 5rem; color: rgba(255,255,255,.3); }
.about-badge-float {
  position: absolute;
  bottom: 24px;
  left: -24px;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 190px;
}
.about-badge-float .icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.2rem;
}
.about-badge-float .number { font-size: 1.5rem; font-weight: 700; color: var(--primary); line-height: 1; }
.about-badge-float .label  { font-size: .75rem; color: var(--text-muted); }

.about-content .section-header { text-align: left; }
.about-content .section-header .divider { margin-left: 0; }
.about-content .section-header p { margin-left: 0; }
.about-values { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 24px 0 32px; }
.about-value {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px;
  border-radius: var(--radius-sm);
  background: var(--off-white);
}
.about-value-icon {
  width: 36px; height: 36px;
  background: var(--primary);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: .9rem;
  flex-shrink: 0;
}
.about-value h5 { font-size: .9rem; font-weight: 600; margin-bottom: 2px; }
.about-value p  { font-size: .8rem; color: var(--text-muted); }

/* =============================================
   TEAM / BOARD
   ============================================= */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.team-card {
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1.5px solid var(--gray-200);
  text-align: center;
  transition: var(--transition);
}
.team-card:hover { border-color: var(--primary); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.team-photo {
  width: 100%; height: 200px;
  object-fit: cover;
}
.team-photo-placeholder {
  width: 100%; height: 200px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  display: flex; align-items: center; justify-content: center;
}
.team-photo-placeholder i { font-size: 3.5rem; color: rgba(255,255,255,.4); }
.team-info { padding: 18px 14px 20px; }
.team-name { font-weight: 700; font-size: 1rem; color: var(--gray-800); margin-bottom: 4px; }
.team-role {
  font-size: .8rem;
  color: var(--primary);
  font-weight: 600;
  background: rgba(139,26,26,.07);
  display: inline-block;
  padding: 2px 10px;
  border-radius: 50px;
}

/* =============================================
   GALLERY
   ============================================= */
.gallery-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-auto-rows: 200px;
  gap: 12px;
}
.gallery-item {
  border-radius: var(--radius-md);
  overflow: hidden;
  position: relative;
  cursor: pointer;
}
.gallery-item.wide { grid-column: span 2; }
.gallery-item.tall { grid-row: span 2; }
.gallery-item img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .5s ease;
}
.gallery-item:hover img { transform: scale(1.06); }
.gallery-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(92,15,15,.8), transparent);
  opacity: 0;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}
.gallery-item:hover .gallery-overlay { opacity: 1; }
.gallery-overlay i { color: var(--white); font-size: 2rem; }

/* =============================================
   CONTACT
   ============================================= */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; }
.contact-info h3 { font-family: var(--font-heading); font-size: 1.5rem; color: var(--primary-dark); margin-bottom: 20px; }
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 24px;
}
.contact-icon {
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.05rem;
  flex-shrink: 0;
}
.contact-item h5 { font-size: .85rem; color: var(--text-muted); font-weight: 500; margin-bottom: 2px; }
.contact-item p  { font-size: .95rem; color: var(--gray-800); font-weight: 600; }
.contact-item a  { color: var(--primary); text-decoration: none; }
.contact-item a:hover { text-decoration: underline; }

.contact-form { background: var(--white); border-radius: var(--radius-md); padding: 36px; box-shadow: var(--shadow-md); }
.contact-form h3 { font-family: var(--font-heading); font-size: 1.4rem; color: var(--primary-dark); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--gray-800); margin-bottom: 6px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-family: var(--font-main);
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(139,26,26,.1);
}
.form-group textarea { resize: vertical; min-height: 110px; }

/* =============================================
   CTA STRIP
   ============================================= */
.cta-strip {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, var(--primary-light) 100%);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 50%, rgba(212,175,55,.15), transparent 60%);
}
.cta-strip .container { position: relative; z-index: 1; }
.cta-strip h2 { font-family: var(--font-heading); font-size: clamp(1.8rem, 4vw, 2.6rem); color: var(--white); margin-bottom: 14px; }
.cta-strip p  { color: rgba(255,255,255,.8); font-size: 1.05rem; margin-bottom: 32px; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-buttons  { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* =============================================
   FOOTER
   ============================================= */
.footer { background: #0D0505; color: rgba(255,255,255,.75); padding: 60px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand { }
.footer-brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.footer-logo-placeholder {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--primary);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.2rem;
  font-weight: 700;
  border: 2px solid var(--accent);
}
.footer-brand-name {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}
.footer-brand-sub { font-size: .72rem; color: rgba(255,255,255,.5); }
.footer-desc { font-size: .88rem; line-height: 1.8; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.08);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
  color: rgba(255,255,255,.7);
  transition: var(--transition);
}
.footer-social a:hover { background: var(--accent); color: var(--primary-dark); transform: translateY(-2px); }
.footer-col h4 {
  font-size: .95rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 18px;
  padding-bottom: 10px;
  border-bottom: 2px solid rgba(212,175,55,.3);
}
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  font-size: .875rem;
  color: rgba(255,255,255,.65);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a::before { content: '›'; color: var(--accent); font-size: 1rem; }
.footer-links a:hover { color: var(--accent); padding-left: 4px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
  font-size: .875rem;
}
.footer-contact-item i { color: var(--accent); margin-top: 3px; flex-shrink: 0; }
.footer-contact-item a { color: rgba(255,255,255,.65); }
.footer-contact-item a:hover { color: var(--accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 18px 0;
}
.footer-bottom .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: .82rem; color: rgba(255,255,255,.45); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: .82rem; color: rgba(255,255,255,.45); transition: var(--transition); }
.footer-bottom-links a:hover { color: var(--accent); }

/* =============================================
   SCROLL TO TOP
   ============================================= */
#scrollTop {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 46px; height: 46px;
  background: var(--primary);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  box-shadow: var(--shadow-lg);
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: var(--transition);
  z-index: 999;
  border: none;
}
#scrollTop.visible { opacity: 1; visibility: visible; transform: translateY(0); }
#scrollTop:hover { background: var(--primary-dark); transform: translateY(-3px); }

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 56px 0 48px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(212,175,55,.12), transparent 60%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  color: var(--white);
  margin-bottom: 8px;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .85rem;
  color: rgba(255,255,255,.7);
}
.breadcrumb a { color: var(--accent); }
.breadcrumb i { font-size: .7rem; }

/* =============================================
   RESPONSIVE
   ============================================= */
/* =============================================
   RESPONSIVE — TABLET (≤ 1024px)
   ============================================= */
@media (max-width: 1024px) {
  .hero .container      { grid-template-columns: 1fr; gap: 40px; padding: 60px 24px; }
  .hero-visual          { display: none; }
  .hero-stats           { grid-template-columns: repeat(3, 1fr); }
  .services-grid        { grid-template-columns: repeat(2, 1fr); }
  .team-grid            { grid-template-columns: repeat(3, 1fr); }
  .footer-grid          { grid-template-columns: 1fr 1fr; gap: 32px; }
  .gallery-grid         { grid-template-columns: repeat(3, 1fr); }
  .contact-grid         { grid-template-columns: 1fr; }
  .quick-links .container { grid-template-columns: repeat(3, 1fr); }
  .eligibility-grid     { grid-template-columns: 1fr; }
}

/* =============================================
   RESPONSIVE — MOBILE (≤ 768px)
   ============================================= */
@media (max-width: 768px) {

  /* --- Topbar & Navbar --- */
  .topbar   { display: none; }
  .hamburger { display: flex; }
  .navbar .container { height: 60px; padding: 0 16px; }
  .nav-brand-logo { width: 38px; height: 38px; }
  .nav-brand-name { font-size: .78rem; }
  .nav-brand-line2 { font-size: .72rem; }
  .nav-brand-sub  { display: none; }
  .nav-menu {
    position: fixed;
    top: 60px; left: 0; right: 0;
    bottom: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 16px 80px;
    box-shadow: var(--shadow-lg);
    gap: 2px;
    transform: translateX(100%);
    transition: transform 0.3s cubic-bezier(.22,1,.36,1);
    z-index: 998;
    overflow-y: auto;
  }
  .nav-menu.open { transform: translateX(0); }
  .nav-link {
    padding: 12px 14px;
    font-size: .95rem;
    border-radius: var(--radius);
    border-bottom: 1px solid var(--gray-100);
  }
  .nav-link:last-child { border-bottom: none; }
  .dropdown {
    position: static;
    opacity: 1; visibility: visible;
    transform: none;
    box-shadow: none; border: none;
    background: var(--gray-50);
    border-radius: var(--radius-sm);
    margin: 4px 0 4px 16px;
    display: none;
  }
  .dropdown a { padding: 10px 14px; font-size: .9rem; }
  .nav-item.open .dropdown { display: block; }

  /* --- Page Hero --- */
  .page-hero { padding: 48px 0 36px; }
  .page-hero h1 { font-size: 1.6rem; }

  /* --- Sections --- */
  .section { padding: 44px 0; }
  .section-header { margin-bottom: 32px; }
  .section-header h2 { font-size: 1.5rem; }
  .section-header p  { font-size: .9rem; }

  /* --- Hero --- */
  .hero { min-height: auto; padding: 60px 0 40px; background-attachment: scroll, scroll; }
  .hero h1 { font-size: 2rem; line-height: 1.2; }
  .hero-badge { font-size: .78rem; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 10px; }
  .hero-stat-number { font-size: 1.4rem; }
  .hero-stat-label  { font-size: .7rem; }

  /* --- Ticker --- */
  .ticker { height: 36px; }
  .ticker-label { font-size: .7rem; padding: 0 14px 0 14px; padding-right: 22px; }

  /* --- Quick Links --- */
  .quick-links .container { grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .quick-link-item { padding: 16px 8px; }
  .quick-link-item i { font-size: 1.4rem; }
  .quick-link-item span { font-size: .72rem; }

  /* --- Services --- */
  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .service-card  { padding: 24px 20px; }

  /* --- About Strip --- */
  .about-strip .container { grid-template-columns: 1fr; gap: 28px; }
  .about-badge-float { display: none; }
  .about-values { grid-template-columns: repeat(2, 1fr); gap: 12px; }

  /* --- Interest Rates --- */
  .rates-tabs   { flex-wrap: wrap; gap: 6px; }
  .rate-tab     { font-size: .78rem; padding: 8px 12px; }
  .rates-table  { font-size: .82rem; }
  .rates-table th, .rates-table td { padding: 10px 12px; }

  /* --- Notice Board --- */
  .notices-grid { grid-template-columns: 1fr; }
  .notice-card  { padding: 20px; }

  /* --- Team / Board --- */
  .team-grid    { grid-template-columns: repeat(2, 1fr); gap: 16px; }

  /* --- Gallery --- */
  .gallery-grid { grid-template-columns: repeat(2, 1fr); }
  .gallery-item.wide, .gallery-item.tall { grid-column: span 1; grid-row: span 1; }

  /* --- Contact Form --- */
  .form-row     { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }

  /* --- Footer --- */
  .footer-grid  { grid-template-columns: 1fr; gap: 28px; }
  .footer-col h4 { margin-bottom: 12px; }
  .footer-bottom .container { flex-direction: column; text-align: center; gap: 10px; }

  /* --- Buttons --- */
  .btn { padding: 11px 22px; font-size: .88rem; }
  .hero-buttons { gap: 12px; }

  /* --- EMI / Eligibility --- */
  .eligibility-section { padding: 24px 16px; }
  .eligibility-grid    { grid-template-columns: 1fr; }
  .elig-result-item .value { font-size: 1.15rem; }

  /* --- Sticky bar --- */
  .sticky-bar-inner   { flex-direction: column; text-align: center; padding: 10px 16px; }
  .sticky-bar-btns    { width: 100%; justify-content: center; }
  .sticky-bar-inner span { font-size: .82rem; }
}

/* =============================================
   RESPONSIVE — SMALL MOBILE (≤ 480px)
   ============================================= */
@media (max-width: 480px) {

  /* --- Container padding --- */
  .container { padding: 0 14px !important; }

  /* --- Hero --- */
  .hero h1            { font-size: 1.7rem; }
  .hero-buttons       { flex-direction: column; align-items: stretch; }
  .hero-buttons .btn  { text-align: center; justify-content: center; }
  .hero-stats         { grid-template-columns: repeat(3, 1fr); gap: 8px; }
  .hero-stat-number   { font-size: 1.2rem; }

  /* --- Quick links 2-col on very small --- */
  .quick-links .container { grid-template-columns: repeat(2, 1fr); }

  /* --- Team cards 1-col on very small --- */
  .team-grid          { grid-template-columns: 1fr 1fr; }

  /* --- Gallery 1-col --- */
  .gallery-grid       { grid-template-columns: 1fr; }

  /* --- CTA --- */
  .cta-buttons        { flex-direction: column; align-items: stretch; }
  .cta-buttons .btn   { text-align: center; justify-content: center; }

  /* --- Rates table — horizontal scroll --- */
  .rates-table-wrap   { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .rates-table        { min-width: 340px; font-size: .78rem; }
  .rates-table th, .rates-table td { padding: 8px 10px; white-space: nowrap; }

  /* --- Section headers smaller --- */
  .section-header h2  { font-size: 1.3rem; }
  .page-hero h1       { font-size: 1.4rem; }

  /* --- About values 1-col --- */
  .about-values       { grid-template-columns: 1fr; }

  /* --- Downloads 1-col --- */
  .downloads-grid     { grid-template-columns: 1fr !important; }

  /* --- Ticker smaller --- */
  .ticker-label       { padding: 0 10px 0 10px; padding-right: 18px; font-size: .65rem; }

  /* --- Sticky bar compact --- */
  .sticky-bar-inner span { display: none; }
  .sticky-bar-btns    { width: 100%; }
  .sticky-bar-btns .btn { flex: 1; text-align: center; justify-content: center; font-size: .78rem; }
}


/* =============================================
   STICKY APPLY-NOW BAR
   ============================================= */
.sticky-bar {
  position: fixed;
  bottom: -80px;
  left: 0; right: 0;
  background: linear-gradient(90deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: var(--white);
  z-index: 990;
  box-shadow: 0 -4px 24px rgba(0,0,0,.18);
  transition: bottom 0.4s cubic-bezier(.22,1,.36,1);
  border-top: 2px solid var(--accent);
}
.sticky-bar.visible { bottom: 0; }
.sticky-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  padding: 12px 24px;
  gap: 16px;
  flex-wrap: wrap;
}
.sticky-bar-inner span {
  font-size: .9rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
}
.sticky-bar-inner span i { color: var(--accent); font-size: 1rem; }
.sticky-bar-btns { display: flex; gap: 10px; flex-shrink: 0; }
.btn-sm { padding: 8px 16px !important; font-size: .8rem !important; }
.btn-white-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,.8);
  color: var(--white);
  padding: 8px 20px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .88rem;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.btn-white-outline:hover {
  background: var(--white);
  color: var(--primary-dark);
}

/* =============================================
   TOPBAR DATE ITEM
   ============================================= */
.topbar-date {
  border-right: 1px solid rgba(255,255,255,.2);
  padding-right: 16px;
  margin-right: 4px;
}
.topbar-date i { color: var(--accent-light); }

/* =============================================
   LOAN ELIGIBILITY CHECKER
   ============================================= */
.eligibility-section {
  background: var(--gray-50);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--gray-200);
}
.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.elig-form-group {
  margin-bottom: 20px;
}
.elig-form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}
.elig-form-group input,
.elig-form-group select {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: .9rem;
  color: var(--gray-800);
  background: var(--white);
  transition: var(--transition);
  box-sizing: border-box;
}
.elig-form-group input:focus,
.elig-form-group select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(46,125,50,.12);
}
.income-slider {
  width: 100%;
  accent-color: var(--primary);
  margin-top: 8px;
  cursor: pointer;
}
.elig-result {
  display: none;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  border-radius: var(--radius-lg);
  padding: 28px;
  color: var(--white);
}
.elig-result h3 {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 20px;
  opacity: .85;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.elig-result-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
.elig-result-item {
  background: rgba(255,255,255,.1);
  border-radius: var(--radius);
  padding: 16px 20px;
  border-left: 3px solid var(--accent);
}
.elig-result-item .label {
  font-size: .75rem;
  opacity: .75;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 4px;
}
.elig-result-item .value {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1.1;
}
.elig-note {
  margin-top: 14px;
  font-size: .75rem;
  opacity: .7;
  line-height: 1.5;
}
@media (max-width: 768px) {
  .eligibility-grid { grid-template-columns: 1fr; }
  .sticky-bar-inner { flex-direction: column; text-align: center; }
  .sticky-bar-btns { width: 100%; justify-content: center; }
}

/* =============================================
   MOBILE NAV — HAMBURGER ANIMATION & OVERLAY
   ============================================= */
.hamburger span { transition: transform 0.3s ease, opacity 0.3s ease; }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Dark overlay behind mobile menu */
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.45);
  z-index: 997;
  backdrop-filter: blur(2px);
}
.nav-overlay.visible { display: block; }

/* Rates table horizontal scroll wrapper */
.rates-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: var(--radius-md);
}

/* Touch-friendly tap targets */
@media (max-width: 768px) {
  .btn, .nav-link, .dropdown a,
  .quick-link-item, .footer-links a,
  .rate-tab, .filter-btn {
    min-height: 44px;
  }
  /* Bigger form inputs on mobile */
  input, select, textarea {
    font-size: 16px !important; /* prevents iOS zoom on focus */
  }
  /* Service cards full width */
  .service-card { border-radius: var(--radius-md); }
  /* Fix page-hero on mobile */
  .page-hero { padding: 40px 0 28px; }
  .breadcrumb { font-size: .78rem; }
  /* Download cards 1-col */
  .downloads-grid { grid-template-columns: 1fr !important; }
  /* Board member photo bigger on mobile */
  .member-photo { width: 90px !important; height: 90px !important; }
  /* Chairman photo */
  .chairman-photo { width: 120px !important; height: 120px !important; }
  /* EMI calculator inputs */
  .emi-input-group { margin-bottom: 20px; }
  /* Notices filter pills wrap */
  .notices-filter { flex-wrap: wrap; gap: 8px; }
  .notice-filter-btn { font-size: .78rem; padding: 6px 14px; }
  /* Gallery caption always visible on mobile (no hover) */
  .gallery-caption { transform: translateY(0) !important; }
}

@media (max-width: 480px) {
  /* Very small: team cards 2-col with smaller text */
  .member-card h3   { font-size: .88rem; }
  .member-designation { font-size: .72rem; }
  /* Hero stat numbers */
  .hero-stat-number { font-size: 1.1rem; }
  .hero-stat-label  { font-size: .65rem; }
  /* Section padding tighter */
  .section { padding: 36px 0; }
  /* EMI calc result */
  .result-main-value { font-size: 2rem !important; }
  /* Loan eligibility */
  .elig-result { padding: 20px 16px; }
  .elig-result-item .value { font-size: 1.1rem; }
}