/* ==========================================================================
   Baba Sai Kripa Co-Operative Society Custom CSS Design System
   Aesthetic: Trustworthy Corporate Navy & Gold, Glassmorphism, Micro-Animations
   ========================================================================== */

/* --- CSS Variables & Design Tokens --- */
:root {
    /* Fonts */
    --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

    /* Transition Speeds */
    --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-normal: 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 0.6s cubic-bezier(0.4, 0, 0.2, 1);

    /* Shadows & Border Radius */
    --radius-sm: 8px;
    --radius-md: 16px;
    --radius-lg: 24px;
    --radius-circle: 50%;
    
    --shadow-sm: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.15), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    --shadow-glow: 0 0 20px rgba(245, 158, 11, 0.15);

    /* HSL Colors (Default Dark Mode) */
    --bg-primary-h: 222;
    --bg-primary-s: 47%;
    --bg-primary-l: 11%;
    --bg-primary: hsl(var(--bg-primary-h), var(--bg-primary-s), var(--bg-primary-l));

    --bg-secondary-h: 222;
    --bg-secondary-s: 44%;
    --bg-secondary-l: 16%;
    --bg-secondary: hsl(var(--bg-secondary-h), var(--bg-secondary-s), var(--bg-secondary-l));

    --bg-tertiary: hsl(222, 44%, 22%);

    --accent-gold-h: 42;
    --accent-gold-s: 94%;
    --accent-gold-l: 55%;
    --accent-gold: hsl(var(--accent-gold-h), var(--accent-gold-s), var(--accent-gold-l));
    --accent-gold-hover: hsl(var(--accent-gold-h), var(--accent-gold-s), 45%);
    --accent-gold-alpha: rgba(245, 158, 11, 0.15);

    --accent-blue: #3b82f6;
    --accent-green: #10b981;
    --accent-red: #ef4444;

    --text-primary: hsl(210, 40%, 98%);
    --text-secondary: hsl(215, 20%, 75%);
    --text-muted: hsl(215, 16%, 55%);

    --border-color: rgba(255, 255, 255, 0.08);
    --border-hover: rgba(255, 255, 255, 0.18);
    
    --glass-bg: rgba(26, 36, 57, 0.65);
    --glass-blur: blur(16px);
}

/* --- Light Mode Color Overrides --- */
[data-theme="light"] {
    --bg-primary-h: 210;
    --bg-primary-s: 30%;
    --bg-primary-l: 96%;
    --bg-primary: hsl(var(--bg-primary-h), var(--bg-primary-s), var(--bg-primary-l));

    --bg-secondary-h: 0;
    --bg-secondary-s: 0%;
    --bg-secondary-l: 100%;
    --bg-secondary: hsl(var(--bg-secondary-h), var(--bg-secondary-s), var(--bg-secondary-l));

    --bg-tertiary: hsl(210, 25%, 90%);

    --accent-gold-h: 36;
    --accent-gold-s: 96%;
    --accent-gold-l: 45%;
    --accent-gold: hsl(var(--accent-gold-h), var(--accent-gold-s), var(--accent-gold-l));
    --accent-gold-hover: hsl(var(--accent-gold-h), var(--accent-gold-s), 35%);
    --accent-gold-alpha: rgba(217, 119, 6, 0.12);

    --text-primary: hsl(222, 47%, 15%);
    --text-secondary: hsl(222, 20%, 40%);
    --text-muted: hsl(222, 12%, 60%);

    --border-color: rgba(0, 0, 0, 0.08);
    --border-hover: rgba(0, 0, 0, 0.15);

    --glass-bg: rgba(255, 255, 255, 0.85);
    --shadow-glow: 0 0 20px rgba(217, 119, 6, 0.08);
}

/* --- Base Resets & Layout Setup --- */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    background-color: var(--bg-primary);
    color: var(--text-primary);
    overflow-x: hidden;
    transition: background-color var(--transition-normal), color var(--transition-normal);
    line-height: 1.6;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    letter-spacing: -0.02em;
    line-height: 1.25;
}

a {
    color: inherit;
    text-decoration: none;
    transition: color var(--transition-fast);
}

ul {
    list-style: none;
}

button, input, select, textarea {
    font-family: inherit;
    font-size: inherit;
    color: inherit;
    background: none;
    border: none;
    outline: none;
}

/* Custom Scrollbar */
::-webkit-scrollbar {
    width: 8px;
}
::-webkit-scrollbar-track {
    background: var(--bg-primary);
}
::-webkit-scrollbar-thumb {
    background: var(--bg-tertiary);
    border-radius: var(--radius-sm);
    border: 2px solid var(--bg-primary);
    transition: background var(--transition-fast);
}
::-webkit-scrollbar-thumb:hover {
    background: var(--accent-gold);
}

/* --- Continuous CSS Keyframe Announcement Bar --- */
.announcement-bar {
    background-color: var(--accent-gold);
    color: #000;
    font-weight: 600;
    padding: 8px 0;
    overflow: hidden;
    white-space: nowrap;
    position: relative;
    z-index: 1001;
    font-size: 0.9rem;
    box-shadow: var(--shadow-sm);
    user-select: none;
    border-bottom: 1px solid rgba(0,0,0,0.1);
}

.ticker-wrapper {
    display: inline-flex;
    width: max-content;
}

.ticker-content {
    display: inline-block;
    padding-left: 50px;
    animation: scroll-marquee 40s linear infinite;
}

@keyframes scroll-marquee {
    0% { transform: translate3d(0, 0, 0); }
    100% { transform: translate3d(-50%, 0, 0); }
}

/* --- Main Navigation Header --- */
.main-header {
    position: sticky;
    top: 0;
    width: 100%;
    z-index: 1000;
    background-color: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    border-bottom: 1px solid var(--border-color);
    transition: background-color var(--transition-normal), border-color var(--transition-normal);
}

.header-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 12px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo-area {
    display: flex;
    align-items: center;
    gap: 12px;
}

.brand-logo {
    width: 48px;
    height: 48px;
    object-fit: contain;
    filter: drop-shadow(0 2px 4px rgba(0,0,0,0.15));
}

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

.brand-title {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--accent-gold);
    letter-spacing: 0.05em;
    line-height: 1.1;
}

.brand-subtitle {
    font-size: 0.75rem;
    font-weight: 500;
    color: var(--text-primary);
    opacity: 0.9;
}

.brand-reg {
    font-size: 0.65rem;
    color: var(--text-muted);
}

/* Nav Links Styling */
.nav-menu {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-link {
    font-size: 0.9rem;
    font-weight: 500;
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    color: var(--text-secondary);
    position: relative;
    transition: all var(--transition-fast);
    white-space: nowrap;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 2px;
    left: 16px;
    right: 16px;
    height: 2px;
    background-color: var(--accent-gold);
    transform: scaleX(0);
    transform-origin: right;
    transition: transform var(--transition-normal);
}

.nav-link:hover, .nav-link.active {
    color: var(--accent-gold);
    background-color: rgba(245, 158, 11, 0.05);
}

.nav-link.active::after {
    transform: scaleX(1);
    transform-origin: left;
}

/* Nav Dropdown Styling */
.nav-dropdown {
    position: relative;
    display: inline-block;
}

.dropdown-toggle {
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
    display: flex;
    align-items: center;
    gap: 4px;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background-color: var(--bg-tertiary);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-md);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all var(--transition-fast);
    z-index: 1000;
    padding: 8px 0;
}

.nav-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-item.nav-link {
    display: block;
    padding: 10px 16px;
    color: var(--text-primary);
    font-size: 0.9rem;
    font-weight: 500;
    text-decoration: none;
    border-radius: 0;
    white-space: normal;
}

.dropdown-item.nav-link::after {
    display: none;
}

.dropdown-item.nav-link:hover, .dropdown-item.nav-link.active {
    background-color: rgba(245, 158, 11, 0.05);
    color: var(--accent-gold);
}

/* Actions Header Layout */
.header-actions {
    display: flex;
    align-items: center;
    gap: 16px;
}

/* Theme Toggle Slider Button */
.theme-toggle {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-circle);
    border: 1px solid var(--border-color);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    background-color: rgba(255,255,255,0.02);
    color: var(--accent-gold);
    transition: all var(--transition-fast);
}

.theme-toggle:hover {
    background-color: var(--border-color);
    transform: scale(1.05);
}

.theme-toggle .sun-icon {
    display: none;
    width: 20px;
    height: 20px;
}

.theme-toggle .moon-icon {
    display: block;
    width: 20px;
    height: 20px;
}

/* When light theme is active, swap icon visibility */
[data-theme="light"] .theme-toggle .sun-icon {
    display: block;
}
[data-theme="light"] .theme-toggle .moon-icon {
    display: none;
}

/* Connect Whatsapp Header CTA */
.btn-cta-whatsapp {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: var(--accent-gold-alpha);
    border: 1px solid var(--accent-gold);
    color: var(--accent-gold);
    padding: 8px 16px;
    border-radius: var(--radius-sm);
    font-size: 0.85rem;
    font-weight: 600;
    transition: all var(--transition-fast);
}

.btn-cta-whatsapp:hover {
    background-color: var(--accent-gold);
    color: #000;
    transform: translateY(-2px);
    box-shadow: var(--shadow-glow);
}

.hamburger-menu {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
}

.hamburger-menu .bar {
    width: 24px;
    height: 2.5px;
    background-color: var(--text-primary);
    border-radius: 2px;
    transition: all var(--transition-fast);
}

/* --- Floating Glowing Background Orbs --- */
.bg-glow-orbs {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    pointer-events: none;
    z-index: -1;
    overflow: hidden;
}

.orb {
    position: absolute;
    border-radius: var(--radius-circle);
    filter: blur(140px);
    opacity: 0.12;
    mix-blend-mode: screen;
    animation: float-orb 20s infinite alternate ease-in-out;
}

[data-theme="light"] .orb {
    opacity: 0.04;
    mix-blend-mode: multiply;
    filter: blur(180px);
}

.orb-1 {
    width: 45vw;
    height: 45vw;
    background: radial-gradient(circle, var(--accent-gold) 0%, transparent 70%);
    top: -10vw;
    left: -10vw;
}

.orb-2 {
    width: 35vw;
    height: 35vw;
    background: radial-gradient(circle, var(--accent-blue) 0%, transparent 70%);
    bottom: -5vw;
    right: -5vw;
    animation-delay: -5s;
}

.orb-3 {
    width: 25vw;
    height: 25vw;
    background: radial-gradient(circle, #ec4899 0%, transparent 70%);
    top: 35%;
    left: 60%;
    animation-delay: -10s;
}

@keyframes float-orb {
    0% { transform: translate(0, 0) scale(1); }
    100% { transform: translate(6vw, 4vh) scale(1.15); }
}

/* --- Common UI Components & Glassmorphism --- */
.main-content {
    max-width: 1280px;
    margin: 0 auto;
    padding: 40px 24px;
}

.glass-card {
    background-color: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    padding: 32px;
    position: relative;
    overflow: hidden;
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
}

.glass-card:hover {
    border-color: var(--border-hover);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
}

/* Super Premium Card Styling */
.premium-card {
    border: 1px solid rgba(245, 158, 11, 0.25);
    background: linear-gradient(135deg, rgba(26, 36, 57, 0.75) 0%, rgba(13, 20, 35, 0.85) 100%);
}

[data-theme="light"] .premium-card {
    border: 1px solid rgba(217, 119, 6, 0.25);
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.95) 0%, rgba(245, 247, 250, 0.95) 100%);
}

.card-glow-border {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: linear-gradient(90deg, transparent, var(--accent-gold), transparent);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: all var(--transition-fast);
    text-align: center;
}

.btn-sm {
    padding: 6px 14px;
    font-size: 0.8rem;
}

.btn-block {
    display: flex;
    width: 100%;
}

.btn-primary {
    background-color: var(--accent-gold);
    color: #000;
}

.btn-primary:hover {
    background-color: var(--accent-gold-hover);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(245, 158, 11, 0.35);
}

.btn-glow {
    position: relative;
}

.btn-glow::before {
    content: '';
    position: absolute;
    top: -2px;
    left: -2px;
    right: -2px;
    bottom: -2px;
    border-radius: inherit;
    background: linear-gradient(45deg, var(--accent-gold), #fbbf24, var(--accent-gold));
    z-index: -1;
    opacity: 0.4;
    filter: blur(8px);
    transition: opacity var(--transition-fast);
}

.btn-glow:hover::before {
    opacity: 0.8;
}

.btn-secondary {
    background-color: transparent;
    border: 1px solid var(--border-color);
    color: var(--text-primary);
}

.btn-secondary:hover {
    background-color: var(--border-color);
    border-color: var(--border-hover);
    transform: translateY(-2px);
}

/* Headings Pre & Post */
.section-header {
    margin-bottom: 48px;
}

.section-pre {
    color: var(--accent-gold);
    text-transform: uppercase;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.15em;
    display: inline-block;
    margin-bottom: 8px;
}

.section-title {
    font-size: 2.25rem;
    font-weight: 800;
    color: var(--text-primary);
}

.section-subtitle {
    font-size: 1rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 16px auto 0;
}

.underline-glow {
    width: 60px;
    height: 4px;
    background-color: var(--accent-gold);
    margin: 12px auto 0;
    border-radius: 2px;
    box-shadow: 0 0 10px rgba(245, 158, 11, 0.4);
}

.text-center { text-align: center; }
.margin-t-20 { margin-top: 20px; }
.text-lg { font-size: 1.25rem; }
.flex-center-col {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

/* --- Section Switching Framework (SPA) --- */
main > section {
    display: none;
    opacity: 0;
    transform: translateY(20px);
    transition: opacity var(--transition-slow), transform var(--transition-slow);
}

main > section.active-section {
    display: block;
    opacity: 1;
    transform: translateY(0);
}

/* --- HERO SECTION --- */
.hero-section {
    padding: 60px 0;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 48px;
    align-items: center;
}

.badge-trust {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: rgba(59, 130, 246, 0.1);
    color: #60a5fa;
    border: 1px solid rgba(59, 130, 246, 0.25);
    padding: 6px 14px;
    border-radius: var(--radius-sm);
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 24px;
}

[data-theme="light"] .badge-trust {
    background-color: rgba(59, 130, 246, 0.08);
    color: #1d4ed8;
    border: 1px solid rgba(59, 130, 246, 0.18);
}

.hero-main-title {
    font-size: 3.5rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
}

.gradient-text {
    background: linear-gradient(90deg, var(--accent-gold), #fbbf24);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero-subtext {
    font-size: 1.1rem;
    color: var(--text-secondary);
    margin-bottom: 32px;
    max-width: 600px;
}

.hero-actions-row {
    display: flex;
    gap: 16px;
    margin-bottom: 48px;
}

.quick-highlights {
    display: flex;
    gap: 40px;
    border-top: 1px solid var(--border-color);
    padding-top: 32px;
}

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

.hl-number {
    font-family: var(--font-heading);
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--accent-gold);
}

.hl-label {
    font-size: 0.8rem;
    color: var(--text-muted);
}

/* Hero Feature Card Styling */
.premium-badge {
    background-color: var(--accent-gold-alpha);
    border: 1px solid var(--accent-gold);
    color: var(--accent-gold);
    display: inline-block;
    padding: 4px 12px;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.premium-scheme-title {
    font-size: 1.5rem;
    margin-bottom: 12px;
}

.premium-scheme-desc {
    font-size: 0.88rem;
    color: var(--text-secondary);
    margin-bottom: 24px;
}

.scheme-payout-box {
    background-color: rgba(255,255,255,0.03);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 20px;
    margin-bottom: 24px;
}

[data-theme="light"] .scheme-payout-box {
    background-color: rgba(0,0,0,0.02);
}

.payout-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 8px;
    font-size: 0.9rem;
}

.payout-label {
    color: var(--text-secondary);
}

.payout-val {
    font-weight: 600;
}

.highlight-gold {
    color: var(--accent-gold);
}

.payout-divider {
    height: 1px;
    background-color: var(--border-color);
    margin: 12px 0;
}

.payout-grand {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--accent-green);
}

.payout-footnote {
    display: block;
    font-size: 0.72rem;
    color: var(--text-muted);
    text-align: right;
    margin-top: 4px;
}

.btn-yojana-apply {
    box-shadow: 0 4px 14px rgba(245, 158, 11, 0.2);
}

/* --- ABOUT US SECTION --- */
.about-content-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
}

.about-description p {
    margin-bottom: 16px;
    color: var(--text-secondary);
}

.about-lead {
    font-size: 1.15rem;
    color: var(--text-primary) !important;
    line-height: 1.5;
}

.values-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-top: 32px;
}

.value-item {
    background-color: rgba(255,255,255,0.02);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    padding: 20px;
}

[data-theme="light"] .value-item {
    background-color: rgba(0,0,0,0.01);
}

.value-icon {
    font-size: 1.75rem;
    margin-bottom: 12px;
}

.value-item h4 {
    margin-bottom: 8px;
    font-size: 1rem;
}

.value-item p {
    font-size: 0.85rem;
    margin-bottom: 0;
    color: var(--text-muted);
}

/* Leadership Card */
.leadership-card {
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.leadership-header {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 24px;
}

.avatar-box {
    width: 64px;
    height: 64px;
    border-radius: var(--radius-circle);
    background-color: var(--accent-gold-alpha);
    border: 1px solid var(--accent-gold);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent-gold);
}

.avatar-box svg {
    width: 32px;
    height: 32px;
}

.leadership-titles h3 {
    font-size: 1.25rem;
}

.leader-designation {
    font-size: 0.85rem;
    color: var(--accent-gold);
    font-weight: 600;
}

.leader-quote {
    font-style: italic;
    font-size: 1.05rem;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 32px;
    position: relative;
}

.leader-quote::before {
    content: '"';
    font-size: 4rem;
    color: var(--accent-gold);
    position: absolute;
    top: -30px;
    left: -20px;
    opacity: 0.15;
}

.signature-line {
    border-top: 1px solid var(--border-color);
    padding-top: 16px;
    display: flex;
    flex-direction: column;
}

.signature-line span {
    font-weight: 600;
}

.signature-line small {
    color: var(--text-muted);
    font-size: 0.78rem;
}

/* --- FINANCIAL SCHEMES SECTION (Tabs System) --- */
.schemes-tabs-row {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 8px;
    background-color: rgba(255,255,255,0.02);
    border: 1px solid var(--border-color);
    padding: 6px;
    border-radius: var(--radius-md);
    margin-bottom: 32px;
}

[data-theme="light"] .schemes-tabs-row {
    background-color: rgba(0,0,0,0.02);
}

.scheme-tab-btn {
    padding: 10px 20px;
    font-weight: 600;
    font-size: 0.9rem;
    border-radius: var(--radius-sm);
    cursor: pointer;
    color: var(--text-secondary);
    transition: all var(--transition-fast);
}

.scheme-tab-btn:hover {
    color: var(--text-primary);
}

.scheme-tab-btn.active {
    background-color: var(--accent-gold);
    color: #000;
    box-shadow: var(--shadow-sm);
}

.scheme-content-wrapper {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(380px, 1fr));
    gap: 32px;
}

/* --- 3D FLIP CARDS --- */
.scheme-flip-card {
    background-color: transparent;
    perspective: 1000px;
    height: 480px;
    cursor: pointer;
    transition: transform var(--transition-normal);
}

.scheme-flip-card:hover {
    transform: translateY(-8px);
}

.scheme-flip-inner {
    position: relative;
    width: 100%;
    height: 100%;
    transition: transform 0.8s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    transform-style: preserve-3d;
}

.scheme-flip-card.flipped .scheme-flip-inner {
    transform: rotateY(180deg);
}

.scheme-flip-front, .scheme-flip-back {
    position: absolute;
    width: 100%;
    height: 100%;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
    background-color: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    display: flex;
    flex-direction: column;
    transition: box-shadow 0.4s ease, border-color 0.4s ease;
    overflow: hidden;
}

.scheme-flip-back {
    padding: 32px;
}

.scheme-front-image {
    width: 100%;
    height: 200px;
    overflow: hidden;
    border-bottom: 1px solid var(--border-color);
}

.scheme-front-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow);
}

.scheme-flip-card:hover .scheme-front-image img {
    transform: scale(1.08);
}

.scheme-front-content {
    padding: 24px;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.scheme-flip-back {
    transform: rotateY(180deg);
    overflow-y: auto;
}

.scheme-flip-card:hover .scheme-flip-front, 
.scheme-flip-card:hover .scheme-flip-back {
    box-shadow: 0 25px 35px -10px rgba(0, 0, 0, 0.25), var(--shadow-glow);
    border-color: var(--accent-gold);
}

.flip-hint {
    margin-top: auto;
    font-size: 0.85rem;
    color: var(--accent-gold);
    font-weight: 600;
    opacity: 0.8;
}

.scheme-icon-circle {
    font-size: 2.25rem;
    margin-bottom: 16px;
}

.scheme-panel-lead {
    font-size: 1.1rem;
    font-weight: 500;
    color: var(--text-primary);
    margin: 12px 0;
}

.panel-info p {
    color: var(--text-secondary);
    margin-bottom: 16px;
}

.scheme-bullet-list {
    margin-top: 16px;
}

.scheme-bullet-list li {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 8px;
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.scheme-bullet-list li::before {
    content: '✓';
    color: var(--accent-green);
    font-weight: 700;
}

.panel-details-card {
    background-color: rgba(255,255,255,0.03);
}

.panel-details-card h4 {
    margin-bottom: 20px;
    border-bottom: 1px solid var(--border-color);
    padding-bottom: 12px;
}

.details-rows {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.detail-row span {
    font-size: 0.88rem;
    color: var(--text-secondary);
}

.detail-row strong {
    font-family: var(--font-heading);
    font-weight: 600;
    color: var(--accent-gold);
}

/* Welfare Yojana Premature Box styling */
.yojana-premature-box {
    background-color: rgba(239, 68, 68, 0.04);
    border: 1px dashed rgba(239, 68, 68, 0.2);
    border-radius: var(--radius-sm);
    padding: 16px;
    margin-top: 16px;
}
[data-theme="light"] .yojana-premature-box {
    background-color: rgba(239, 68, 68, 0.02);
}
.yojana-premature-box h5 {
    color: var(--accent-gold);
    font-size: 0.85rem;
    margin-bottom: 8px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.02em;
}
.yojana-premature-box p {
    font-size: 0.8rem;
    color: var(--text-secondary);
    margin-bottom: 4px;
    line-height: 1.4;
}
.yojana-premature-box p:last-child {
    margin-bottom: 0;
}

/* --- LOAN PROGRAMS --- */
.loans-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.loan-card {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.loan-badge {
    align-self: flex-start;
    background-color: rgba(59, 130, 246, 0.12);
    color: #60a5fa;
    font-size: 0.72rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: var(--radius-sm);
    margin-bottom: 16px;
    text-transform: uppercase;
}

.gold-badge {
    background-color: var(--accent-gold-alpha);
    color: var(--accent-gold);
}

.loan-title {
    font-size: 1.5rem;
    margin-bottom: 10px;
}

.loan-limit {
    font-size: 0.9rem;
    color: var(--text-secondary);
    margin-bottom: 16px;
}

.loan-limit span {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--text-primary);
}

.loan-desc {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-bottom: 24px;
}

.loan-specs {
    border-top: 1px solid var(--border-color);
    border-bottom: 1px solid var(--border-color);
    padding: 16px 0;
    margin-bottom: 24px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.spec-item {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
}

.spec-item span {
    color: var(--text-secondary);
}

.spec-item strong {
    font-weight: 600;
}

.loan-requirements h5 {
    font-size: 0.85rem;
    color: var(--text-primary);
    margin-bottom: 10px;
}

.loan-requirements ul {
    margin-bottom: 24px;
}

.loan-requirements li {
    font-size: 0.8rem;
    color: var(--text-secondary);
    margin-bottom: 6px;
    display: flex;
    gap: 6px;
}

.loan-requirements li::before {
    content: '•';
    color: var(--accent-gold);
}

/* --- FINANCIAL CALCULATORS SECTION --- */
.calculators-wrapper {
    background-color: var(--glass-bg);
}

.calc-tabs-row {
    display: flex;
    border-bottom: 1px solid var(--border-color);
    margin-bottom: 32px;
}

.calc-tab-btn {
    flex: 1;
    padding: 16px;
    text-align: center;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    color: var(--text-secondary);
    border-bottom: 2px solid transparent;
    transition: all var(--transition-fast);
}

.calc-tab-btn:hover {
    color: var(--text-primary);
}

.calc-tab-btn.active {
    color: var(--accent-gold);
    border-bottom-color: var(--accent-gold);
}

.calc-panel {
    display: none;
}

.calc-panel.active {
    display: block;
}

.calc-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 48px;
}

/* Inputs styling */
.calc-inputs-column {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.input-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.input-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-secondary);
}

.scheme-selector-pills {
    display: flex;
    gap: 8px;
    background-color: rgba(255,255,255,0.02);
    border: 1px solid var(--border-color);
    padding: 4px;
    border-radius: var(--radius-sm);
}

[data-theme="light"] .scheme-selector-pills {
    background-color: rgba(0,0,0,0.02);
}

.scheme-selector-pills .pill {
    flex: 1;
    padding: 10px;
    font-size: 0.8rem;
    font-weight: 600;
    border-radius: 4px;
    cursor: pointer;
    color: var(--text-secondary);
    transition: all var(--transition-fast);
}

.scheme-selector-pills .pill.active {
    background-color: var(--bg-primary);
    color: var(--accent-gold);
    box-shadow: var(--shadow-sm);
}

.slider-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.9rem;
    font-weight: 500;
}

.slider-val {
    font-family: var(--font-heading);
    color: var(--accent-gold);
    font-size: 1.15rem;
    font-weight: 700;
}

/* Custom CSS Sliders */
.calc-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--bg-tertiary);
    outline: none;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    border-radius: var(--radius-circle);
    background: var(--accent-gold);
    cursor: pointer;
    box-shadow: 0 0 8px rgba(245, 158, 11, 0.4);
    transition: transform var(--transition-fast);
}

.calc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.slider-limits {
    display: flex;
    justify-content: space-between;
    font-size: 0.72rem;
    color: var(--text-muted);
}

.calc-fixed-rate-box {
    background-color: rgba(255,255,255,0.02);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    padding: 16px;
}

[data-theme="light"] .calc-fixed-rate-box {
    background-color: rgba(0,0,0,0.01);
}

.fixed-spec {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 6px;
    font-size: 0.85rem;
}

.fixed-spec strong {
    color: var(--accent-gold);
}

.fixed-footnote {
    font-size: 0.72rem;
    color: var(--text-muted);
}

/* Results Section */
.calc-results-column {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.results-summary-card {
    background: linear-gradient(135deg, rgba(255,255,255,0.03) 0%, rgba(255,255,255,0.01) 100%);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 24px;
}

.res-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
    font-size: 0.95rem;
}

.res-row span {
    color: var(--text-secondary);
}

.res-row strong {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 600;
}

.highlight-green {
    color: var(--accent-green);
}

.res-divider {
    height: 1px;
    background-color: var(--border-color);
    margin: 16px 0;
}

.res-row.main-res {
    font-size: 1.05rem;
}

.res-row.main-res strong {
    font-size: 1.75rem;
    font-weight: 800;
}

.formula-box {
    margin-top: 24px;
    padding: 16px;
    background-color: rgba(59, 130, 246, 0.05);
    border: 1px dashed rgba(59, 130, 246, 0.2);
    border-radius: var(--radius-sm);
}

.formula-title {
    display: block;
    font-size: 0.8rem;
    font-weight: 700;
    color: #60a5fa;
    margin-bottom: 6px;
    text-transform: uppercase;
}

.formula-box p {
    font-size: 0.78rem;
    color: var(--text-secondary);
}

/* EMI Ring Chart UI */
.emi-payout-circle {
    position: relative;
    width: 160px;
    height: 160px;
    margin-bottom: 24px;
}

.emi-circle-text {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    text-align: center;
    z-index: 2;
}

.emi-circle-lbl {
    font-size: 0.72rem;
    color: var(--text-muted);
    text-transform: uppercase;
    display: block;
}

.emi-circle-val {
    font-family: var(--font-heading);
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--text-primary);
}

.emi-svg-ring {
    transform: rotate(-90deg);
    width: 100%;
    height: 100%;
}

.loan-breakdown-box {
    width: 100%;
    background-color: rgba(255,255,255,0.01);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    padding: 16px;
}

.break-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 8px;
    font-size: 0.85rem;
}

.break-row span.bullet {
    display: flex;
    align-items: center;
    gap: 8px;
}

.break-row span.bullet::before {
    content: '';
    display: inline-block;
    width: 8px;
    height: 8px;
    border-radius: var(--radius-circle);
}

.principal-bullet::before {
    background-color: var(--text-muted);
}

.interest-bullet::before {
    background-color: var(--accent-gold);
}

/* --- DOWNLOADS SECTION --- */
.downloads-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.download-card {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    padding: 24px;
    text-align: center;
}

.download-icon {
    font-size: 2rem;
    margin-bottom: 12px;
}

.download-card h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    line-height: 1.3;
}

.download-card p {
    font-size: 0.78rem;
    color: var(--text-muted);
    margin-bottom: 20px;
    flex-grow: 1;
}

/* --- TESTIMONIALS CAROUSEL --- */
.testimonials-section {
    padding: 40px 0;
}

.testimonials-carousel-wrapper {
    max-width: 720px;
    margin: 0 auto;
    position: relative;
    overflow: hidden;
}

.testimonial-track {
    display: flex;
    transition: transform var(--transition-slow);
}

.testimonial-card {
    flex: 0 0 100%;
    text-align: center;
    padding: 40px;
    box-shadow: none;
    border-color: var(--border-color);
}

.stars {
    color: var(--accent-gold);
    margin-bottom: 16px;
    font-size: 1.1rem;
}

.quote {
    font-style: italic;
    font-size: 1.15rem;
    color: var(--text-secondary);
    margin-bottom: 24px;
    line-height: 1.6;
}

.member-meta strong {
    display: block;
    color: var(--text-primary);
    font-size: 1rem;
}

.member-meta span {
    color: var(--text-muted);
    font-size: 0.8rem;
}

.carousel-indicators {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 24px;
}

.indicator {
    width: 8px;
    height: 8px;
    border-radius: var(--radius-circle);
    background-color: var(--bg-tertiary);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.indicator.active {
    background-color: var(--accent-gold);
    width: 24px;
    border-radius: 4px;
}

/* --- FAQ ACCORDION --- */
.faq-wrapper {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.faq-item {
    border: 1px solid var(--border-color);
    background-color: var(--glass-bg);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: border-color var(--transition-fast);
}

.faq-item:hover {
    border-color: var(--border-hover);
}

.faq-trigger {
    width: 100%;
    padding: 20px 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    text-align: left;
    font-weight: 600;
    cursor: pointer;
    font-size: 1.05rem;
}

.faq-chevron {
    width: 18px;
    height: 18px;
    transition: transform var(--transition-normal);
}

.faq-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-normal) ease-out;
}

.faq-content p {
    padding: 0 24px 20px;
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.6;
}

/* Open states */
.faq-item.faq-open {
    border-color: var(--accent-gold-alpha);
}

.faq-item.faq-open .faq-trigger {
    color: var(--accent-gold);
}

.faq-item.faq-open .faq-chevron {
    transform: rotate(180deg);
}

/* --- CONTACT SECTION & FLOATING FORMS --- */
.contact-grid {
    display: grid;
    grid-template-columns: 0.8fr 1.2fr;
    gap: 48px;
}

.contact-info-panel {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.info-card {
    display: flex;
    gap: 20px;
    align-items: flex-start;
}

.info-icon-circle {
    font-size: 1.5rem;
    width: 48px;
    height: 48px;
    border-radius: var(--radius-circle);
    background-color: rgba(255,255,255,0.02);
    border: 1px solid var(--border-color);
    display: flex;
    align-items: center;
    justify-content: center;
}

[data-theme="light"] .info-icon-circle {
    background-color: rgba(0,0,0,0.02);
}

.info-text h5 {
    font-size: 1rem;
    margin-bottom: 6px;
}

.info-text p {
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.maps-link {
    display: inline-block;
    margin-top: 8px;
    font-size: 0.82rem;
    color: var(--accent-gold);
    font-weight: 600;
}

.maps-link:hover {
    text-decoration: underline;
}

/* Floating Input Forms */
.contact-form-card h3 {
    margin-bottom: 24px;
}

.form-row-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group {
    margin-bottom: 20px;
    position: relative;
}

.floating-input-group {
    position: relative;
}

.floating-input-group input,
.floating-input-group select,
.floating-input-group textarea {
    width: 100%;
    padding: 14px 16px;
    background-color: rgba(255, 255, 255, 0.02);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    transition: all var(--transition-fast);
}

[data-theme="light"] .floating-input-group input,
[data-theme="light"] .floating-input-group select,
[data-theme="light"] .floating-input-group textarea {
    background-color: rgba(0, 0, 0, 0.01);
}

.floating-input-group select {
    appearance: none;
    -webkit-appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' stroke='rgba(255,255,255,0.4)' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' viewBox='0 0 24 24'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    background-size: 16px;
}

[data-theme="light"] .floating-input-group select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' stroke='rgba(0,0,0,0.4)' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' viewBox='0 0 24 24'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
}

.floating-input-group input:focus,
.floating-input-group select:focus,
.floating-input-group textarea:focus {
    border-color: var(--accent-gold);
    background-color: rgba(255,255,255,0.04);
}

[data-theme="light"] .floating-input-group input:focus,
[data-theme="light"] .floating-input-group select:focus,
[data-theme="light"] .floating-input-group textarea:focus {
    background-color: #fff;
}

.floating-input-group label {
    position: absolute;
    top: 14px;
    left: 16px;
    color: var(--text-muted);
    font-size: 0.9rem;
    pointer-events: none;
    transition: all var(--transition-fast) ease-out;
}

/* Floating logic on focus & has text value */
.floating-input-group input:focus ~ label,
.floating-input-group input:not(:placeholder-shown) ~ label,
.floating-input-group textarea:focus ~ label,
.floating-input-group textarea:not(:placeholder-shown) ~ label,
.floating-input-group select:focus ~ label,
.floating-input-group select:valid ~ label {
    top: -10px;
    left: 12px;
    font-size: 0.72rem;
    font-weight: 600;
    color: var(--accent-gold);
    background-color: var(--bg-secondary);
    padding: 0 6px;
    border-radius: 2px;
}

/* Submission Button Loader */
.btn-submit-form {
    position: relative;
}

.btn-submit-form .spinner {
    display: none;
    width: 18px;
    height: 18px;
    border: 2px solid rgba(0,0,0,0.25);
    border-top-color: #000;
    border-radius: var(--radius-circle);
    animation: rotate-spin 0.6s linear infinite;
    position: absolute;
}

@keyframes rotate-spin {
    to { transform: rotate(360deg); }
}

.btn-submit-form.loading .btn-text {
    opacity: 0;
}
.btn-submit-form.loading .spinner {
    display: block;
}

/* --- FOOTER --- */
.main-footer {
    border-top: 1px solid var(--border-color);
    background-color: rgba(13, 20, 35, 0.75);
    padding: 64px 24px 24px;
    margin-top: 80px;
    transition: background-color var(--transition-normal);
}

[data-theme="light"] .main-footer {
    background-color: rgba(230, 235, 243, 0.75);
}

.footer-container {
    max-width: 1280px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.2fr 0.8fr 1fr;
    gap: 48px;
    margin-bottom: 48px;
}

.footer-logo-row {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}

.footer-logo {
    width: 40px;
    height: 40px;
}

.footer-logo-row h4 {
    font-size: 1.15rem;
    color: var(--accent-gold);
}

.footer-logo-row small {
    font-size: 0.65rem;
    color: var(--text-muted);
}

.footer-about {
    font-size: 0.82rem;
    color: var(--text-secondary);
    line-height: 1.5;
}

.footer-links-column h5,
.footer-contact-column h5 {
    font-size: 0.95rem;
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-primary);
}

.footer-links {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
    font-size: 0.85rem;
}

.footer-links a {
    color: var(--text-secondary);
}

.footer-links a:hover {
    color: var(--accent-gold);
    transform: translateX(4px);
}

.footer-contact-column p {
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin-bottom: 10px;
}

.footer-bottom {
    border-top: 1px solid var(--border-color);
    padding-top: 24px;
    max-width: 1280px;
    margin: 0 auto;
    text-align: center;
    font-size: 0.78rem;
    color: var(--text-muted);
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.footer-disclaimer {
    font-size: 0.72rem;
    line-height: 1.4;
}

/* --- BOTTOM STICKY TOAST BANNER --- */
.sticky-promo-toast {
    position: fixed;
    bottom: 24px;
    left: 24px;
    right: 24px;
    max-width: 480px;
    background-color: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    border: 1px solid var(--accent-gold);
    box-shadow: var(--shadow-lg), 0 0 25px rgba(245, 158, 11, 0.1);
    border-radius: var(--radius-md);
    padding: 16px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    z-index: 999;
    transform: translateY(120px);
    opacity: 0;
    transition: all var(--transition-slow);
}

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

.promo-content {
    display: flex;
    align-items: center;
    gap: 12px;
}

.gift-icon {
    font-size: 1.5rem;
}

.promo-content p {
    font-size: 0.8rem;
    font-weight: 600;
    line-height: 1.4;
}

.promo-actions {
    display: flex;
    align-items: center;
    gap: 8px;
}

.btn-close-promo {
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--text-muted);
    cursor: pointer;
    padding: 0 4px;
    transition: color var(--transition-fast);
}

.btn-close-promo:hover {
    color: var(--accent-red);
}

/* --- TOAST NOTIFICATIONS ALERTS --- */
.toast-notification {
    position: fixed;
    top: 32px;
    right: 32px;
    background-color: var(--bg-secondary);
    border-left: 4px solid var(--accent-green);
    box-shadow: var(--shadow-lg);
    border-radius: var(--radius-sm);
    padding: 16px 24px;
    display: flex;
    align-items: center;
    gap: 16px;
    z-index: 1002;
    transform: translateX(120%);
    opacity: 0;
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.toast-notification.toast-active {
    transform: translateX(0);
    opacity: 1;
}

.toast-icon {
    width: 24px;
    height: 24px;
    border-radius: var(--radius-circle);
    background-color: var(--accent-green);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.85rem;
}

.toast-notification.toast-error {
    border-left-color: var(--accent-red);
}
.toast-notification.toast-error .toast-icon {
    background-color: var(--accent-red);
}

.toast-body h5 {
    font-size: 0.95rem;
    margin-bottom: 2px;
}

.toast-body p {
    font-size: 0.8rem;
    color: var(--text-secondary);
}

/* --- GALLERY SECTION --- */
.gallery-section {
    padding: 60px 0;
    max-width: 1280px;
    margin: 0 auto;
}

.gallery-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 24px;
    padding: 0 24px;
}

.gallery-item {
    border-radius: var(--radius-md);
    overflow: hidden;
    height: 200px;
    box-shadow: var(--shadow-md);
    position: relative;
    cursor: pointer;
    background: #000;
}

.gallery-thumbnail img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow), opacity 0.3s ease;
    opacity: 0.8;
}

.gallery-thumbnail:hover img {
    transform: scale(1.1);
    opacity: 1;
}

.gallery-overlay {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    background: linear-gradient(transparent, rgba(0,0,0,0.8));
    color: #fff;
    padding: 16px;
    text-align: center;
    font-weight: bold;
    font-size: 1.1rem;
    z-index: 2;
    transform: translateY(100%);
    transition: transform 0.3s ease;
}

.gallery-thumbnail:hover .gallery-overlay {
    transform: translateY(0);
}

/* --- LIGHTBOX MODAL --- */
.lightbox-modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.95);
    z-index: 9999;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(8px);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.lightbox-modal.active {
    display: flex;
    opacity: 1;
}

.lightbox-content {
    position: relative;
    width: 90%;
    max-width: 1200px;
    height: 80vh;
    overflow: hidden;
}

.lightbox-track {
    display: flex;
    height: 100%;
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.lightbox-slide {
    flex: 0 0 100%;
    min-width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.lightbox-slide img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
    box-shadow: 0 0 30px rgba(0,0,0,0.5);
}

.lightbox-close {
    position: absolute;
    top: 20px;
    right: 30px;
    color: #fff;
    font-size: 40px;
    font-weight: bold;
    cursor: pointer;
    background: transparent;
    border: none;
    z-index: 10000;
    transition: color 0.2s ease;
}

.lightbox-close:hover {
    color: var(--accent-gold);
}

.lightbox-prev, .lightbox-next {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background: rgba(255, 255, 255, 0.1);
    color: white;
    border: 1px solid rgba(255, 255, 255, 0.2);
    width: 60px;
    height: 60px;
    border-radius: 50%;
    font-size: 24px;
    cursor: pointer;
    z-index: 10000;
    transition: all 0.2s ease;
    display: flex;
    align-items: center;
    justify-content: center;
}

.lightbox-prev:hover, .lightbox-next:hover {
    background: rgba(255, 255, 255, 0.3);
    transform: translateY(-50%) scale(1.1);
}

.lightbox-prev {
    left: 40px;
}

.lightbox-next {
    right: 40px;
}

.lightbox-caption {
    position: absolute;
    bottom: 30px;
    left: 0;
    right: 0;
    text-align: center;
    color: #fff;
    font-size: 1.25rem;
    font-weight: 500;
    text-shadow: 0 2px 4px rgba(0,0,0,0.8);
    z-index: 10000;
}

/* --- MAST CARD ANIMATIONS --- */
.glass-card, .loan-card, .download-card {
    transition: transform 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275), box-shadow 0.4s ease, border-color 0.4s ease;
}

.glass-card:hover, .loan-card:hover, .download-card:hover {
    transform: translateY(-10px) perspective(1000px) rotateX(2deg) rotateY(1deg);
    box-shadow: 0 25px 35px -10px rgba(0, 0, 0, 0.25), var(--shadow-glow);
    border-color: var(--accent-gold);
    z-index: 10;
}

/* --- GENERIC CARD IMAGES --- */
.card-top-image {
    width: calc(100% + 64px);
    height: 200px;
    margin-top: -32px;
    margin-left: -32px;
    margin-bottom: 24px;
    border-radius: var(--radius-md) var(--radius-md) 0 0;
    overflow: hidden;
    position: relative;
    border-bottom: 1px solid var(--border-color);
}
.card-top-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow);
}
.glass-card:hover .card-top-image img {
    transform: scale(1.08);
}

/* --- FLOATING SOCIAL ICONS --- */
.floating-social-sidebar {
    position: fixed;
    right: 20px;
    bottom: 120px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    z-index: 999;
}

.floating-icon {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    text-decoration: none;
    box-shadow: var(--shadow-lg);
    position: relative;
    transition: transform var(--transition-normal);
}

.floating-icon svg {
    width: 24px;
    height: 24px;
}

.floating-icon:hover {
    transform: scale(1.15) translateY(-5px);
}

.whatsapp-float {
    background-color: #25D366;
}

.yt-float {
    background-color: #FF0000;
}

.float-tooltip {
    position: absolute;
    right: 60px;
    background: var(--bg-primary);
    color: var(--text-primary);
    padding: 6px 12px;
    border-radius: var(--radius-sm);
    font-size: 0.85rem;
    font-weight: 500;
    opacity: 0;
    visibility: hidden;
    white-space: nowrap;
    transition: all 0.3s ease;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
}

.floating-icon:hover .float-tooltip {
    opacity: 1;
    visibility: visible;
    transform: translateX(-5px);
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES (MOBILE FIRST COMPLIANT)
   ========================================================================== */

@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 32px;
        text-align: center;
    }
    .hero-text-content {
        display: flex;
        flex-direction: column;
        align-items: center;
    }
    .hero-actions-row {
        justify-content: center;
    }
    .quick-highlights {
        justify-content: center;
    }
    .hero-visual-card {
        max-width: 480px;
        margin: 0 auto;
        width: 100%;
    }
    
    .about-content-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    .about-leadership {
        max-width: 520px;
        margin: 0 auto;
        width: 100%;
    }
    
    .scheme-panel-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    
    .loans-grid {
        grid-template-columns: 1fr 1fr;
    }
    
    .calc-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    .calc-results-column {
        min-height: 200px;
    }
    
    .downloads-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    
    .footer-container {
        grid-template-columns: 1fr 1fr;
    }
    .footer-brand-column {
        grid-column: span 2;
    }
}

@media (max-width: 768px) {
    .main-content {
        padding: 24px 16px;
    }
    
    .hamburger-menu {
        display: flex;
    }
    
    .nav-menu {
        position: fixed;
        top: 73px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 73px);
        background-color: var(--bg-primary);
        flex-direction: column;
        padding: 40px 24px;
        gap: 16px;
        z-index: 999;
        transition: left var(--transition-normal);
        border-top: 1px solid var(--border-color);
        box-shadow: var(--shadow-md);
    }
    
    .nav-menu.mobile-open {
        left: 0;
    }
    
    .nav-link {
        font-size: 1.15rem;
        width: 100%;
        text-align: center;
        padding: 12px;
    }
    .nav-link::after {
        display: none;
    }
    
    /* Close menu icon when active */
    .hamburger-menu.menu-active .bar:nth-child(1) {
        transform: translateY(7.5px) rotate(45deg);
    }
    .hamburger-menu.menu-active .bar:nth-child(2) {
        opacity: 0;
    }
    .hamburger-menu.menu-active .bar:nth-child(3) {
        transform: translateY(-7.5px) rotate(-45deg);
    }
    
    .hero-main-title {
        font-size: 2.25rem;
    }
    
    .loans-grid {
        grid-template-columns: 1fr;
    }
    
    .downloads-grid {
        grid-template-columns: 1fr;
    }
    
    .form-row-2 {
        grid-template-columns: 1fr;
        gap: 0;
    }
    
    .footer-container {
        grid-template-columns: 1fr;
    }
    .footer-brand-column {
        grid-column: span 1;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}

/* ======================================================================
   MOBILE RESPONSIVE PATCH — BSK Website
   Keeps the desktop design intact while preventing mobile overflow.
   ====================================================================== */
@media (max-width: 768px) {
    html, body {
        width: 100%;
        max-width: 100%;
        overflow-x: hidden;
    }

    .announcement-bar {
        width: 100%;
        font-size: 0.78rem;
        padding: 7px 0;
    }

    .header-container {
        width: 100%;
        max-width: 100%;
        min-width: 0;
        padding: 10px 14px;
        gap: 10px;
    }

    .logo-area {
        min-width: 0;
        flex: 1 1 auto;
        gap: 9px;
        overflow: hidden;
    }

    .brand-logo {
        width: 48px;
        height: 48px;
        flex: 0 0 48px;
    }

    .brand-info {
        min-width: 0;
        overflow: hidden;
    }

    .brand-title {
        font-size: 1.12rem;
        line-height: 1.05;
        letter-spacing: 0.03em;
        white-space: normal;
        overflow-wrap: anywhere;
    }

    .brand-subtitle {
        font-size: 0.72rem;
        line-height: 1.45;
        white-space: normal;
        overflow-wrap: anywhere;
    }

    .brand-reg {
        font-size: 0.62rem;
        line-height: 1.35;
        white-space: normal;
    }

    .header-actions {
        flex: 0 0 auto;
        gap: 8px;
    }

    .btn-cta-whatsapp {
        display: none;
    }

    .theme-toggle {
        width: 38px;
        height: 38px;
        flex: 0 0 38px;
    }

    .hamburger-menu {
        display: flex;
        flex: 0 0 34px;
        width: 34px;
        height: 34px;
        align-items: center;
        justify-content: center;
        padding: 5px;
    }

    .nav-menu {
        top: 69px;
        width: 100%;
        max-width: 100%;
        box-sizing: border-box;
        overflow-y: auto;
        overflow-x: hidden;
    }

    .main-content {
        width: 100%;
        max-width: 100%;
        padding: 24px 16px;
        overflow-x: hidden;
    }

    .hero-section {
        width: 100%;
        padding: 38px 0;
    }

    .hero-grid,
    .hero-text-content,
    .hero-visual-card {
        width: 100%;
        max-width: 100%;
        min-width: 0;
    }

    .hero-text-content {
        align-items: stretch;
        text-align: center;
    }

    .badge-trust {
        width: 100%;
        max-width: 100%;
        justify-content: center;
        text-align: center;
        white-space: normal;
        overflow-wrap: anywhere;
        margin-bottom: 22px;
    }

    .hero-main-title {
        width: 100%;
        max-width: 100%;
        font-size: clamp(2rem, 9vw, 2.5rem);
        line-height: 1.12;
        overflow-wrap: anywhere;
    }

    .hero-subtext {
        width: 100%;
        max-width: 100%;
        font-size: 1rem;
        line-height: 1.65;
        overflow-wrap: anywhere;
    }

    .hero-actions-row {
        width: 100%;
        flex-direction: column;
        gap: 12px;
        align-items: stretch;
        margin-bottom: 34px;
    }

    .hero-actions-row .btn {
        width: 100%;
        max-width: 100%;
    }

    .quick-highlights {
        width: 100%;
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 18px 12px;
        padding-top: 24px;
    }

    .highlight-item {
        min-width: 0;
        text-align: center;
    }

    .hl-number,
    .hl-label {
        overflow-wrap: anywhere;
    }

    .section-header,
    .section-title,
    .section-subtitle {
        max-width: 100%;
        overflow-wrap: anywhere;
    }

    .glass-card,
    .loan-card,
    .download-card {
        max-width: 100%;
        min-width: 0;
    }

    .card-top-image {
        max-width: 100%;
    }

    /* Prevent wide tables, code blocks and long URLs from creating overflow. */
    table, pre, code, iframe {
        max-width: 100%;
    }

    iframe {
        width: 100%;
    }
}

@media (max-width: 400px) {
    .header-container {
        padding-left: 10px;
        padding-right: 10px;
    }

    .brand-logo {
        width: 44px;
        height: 44px;
        flex-basis: 44px;
    }

    .brand-title {
        font-size: 1rem;
    }

    .brand-subtitle {
        font-size: 0.68rem;
    }

    .brand-reg {
        font-size: 0.58rem;
    }

    .theme-toggle {
        width: 36px;
        height: 36px;
        flex-basis: 36px;
    }

    .hamburger-menu {
        flex-basis: 32px;
        width: 32px;
    }

    .main-content {
        padding-left: 12px;
        padding-right: 12px;
    }

    .hero-main-title {
        font-size: 1.95rem;
    }
}

/* ======================================================================
   CALCULATOR MOBILE FIX — v2
   ====================================================================== */
@media (max-width: 768px) {
    .calculators-wrapper {
        width: 100%;
        max-width: 100%;
        min-width: 0;
        box-sizing: border-box;
        padding: 16px;
    }

    .calc-tabs-row {
        width: 100%;
        min-width: 0;
        margin-bottom: 24px;
    }

    .calc-tab-btn {
        min-width: 0;
        padding: 12px 8px;
        font-size: 0.82rem;
        line-height: 1.25;
        white-space: normal;
        overflow-wrap: anywhere;
    }

    .calc-panel,
    .calc-grid,
    .calc-inputs-column,
    .calc-results-column,
    .input-group {
        width: 100%;
        max-width: 100%;
        min-width: 0;
        box-sizing: border-box;
    }

    /* Show all scheme choices inside the phone instead of a clipped row. */
    .scheme-selector-pills {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 6px;
        width: 100%;
        box-sizing: border-box;
        overflow: visible;
    }

    .scheme-selector-pills .pill {
        width: 100%;
        min-width: 0;
        min-height: 54px;
        padding: 8px 5px;
        font-size: 0.72rem;
        line-height: 1.2;
        white-space: normal;
        overflow-wrap: anywhere;
        word-break: normal;
    }

    .slider-label-row {
        width: 100%;
        min-width: 0;
        flex-wrap: wrap;
        gap: 5px 10px;
        align-items: flex-start;
    }

    .slider-label-row > span:first-child {
        flex: 1 1 55%;
        min-width: 0;
    }

    .slider-val {
        flex: 0 1 auto;
        max-width: 45%;
        min-width: 0;
        text-align: right;
        white-space: normal;
        overflow-wrap: anywhere;
        font-size: 1rem;
    }

    .calc-slider {
        width: 100%;
        max-width: 100%;
        box-sizing: border-box;
    }

    .slider-limits {
        width: 100%;
        min-width: 0;
    }

    .results-summary-card {
        width: 100%;
        max-width: 100%;
        min-width: 0;
        box-sizing: border-box;
        padding: 18px;
    }

    .res-row {
        width: 100%;
        min-width: 0;
        gap: 12px;
        align-items: flex-start;
    }

    .res-row span {
        flex: 1 1 auto;
        min-width: 0;
        overflow-wrap: anywhere;
    }

    .res-row strong {
        flex: 0 1 auto;
        min-width: 0;
        max-width: 58%;
        text-align: right;
        overflow-wrap: anywhere;
    }

    .res-row.main-res strong {
        font-size: 1.4rem;
    }

    .formula-box {
        width: 100%;
        max-width: 100%;
        box-sizing: border-box;
        overflow-wrap: anywhere;
    }
}

@media (max-width: 400px) {
    .calculators-wrapper {
        padding: 14px;
    }

    .calc-tab-btn {
        font-size: 0.76rem;
        padding-left: 5px;
        padding-right: 5px;
    }

    .scheme-selector-pills .pill {
        min-height: 58px;
        font-size: 0.68rem;
    }

    .slider-val {
        font-size: 0.92rem;
        max-width: 48%;
    }

    .res-row.main-res strong {
        font-size: 1.25rem;
    }
}