/* ==========================================================================
   B.K. Wealth Services - Royal Navy & Gold Institutional Theme
   Design language inspired by: https://sanskarodayacademy.com/3/
   (deep navy + majestic gold, Montserrat/Poppins, rounded cards, gold
   gradient CTAs, animated gold nav indicator, navy footer)

   Loaded AFTER assets/css/style.css on every page, so it only overrides
   colours / typography / spacing. No HTML content is changed.
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&family=Poppins:wght@300;400;500;600;700&display=swap');

:root {
  --sa-navy-dark: #071526;
  --sa-navy: #0d233a;
  --sa-navy-light: #183659;
  --sa-gold: #c59b27;
  --sa-gold-hover: #d8aa32;
  --sa-gold-dark: #8a6a11;
  --sa-gold-light: #f5eedb;
  --sa-gold-gradient: linear-gradient(135deg, #c59b27 0%, #dfb76c 50%, #b38636 100%);
  --sa-navy-gradient: linear-gradient(135deg, #0d233a 0%, #183659 100%);

  --sa-bg-light: #f8fafc;
  --sa-bg-warm: #fcfbfa;
  --sa-border: #e2e8f0;
  --sa-border-gold: rgba(197, 155, 39, 0.3);

  --sa-text: #1e293b;
  --sa-text-muted: #64748b;
  --sa-font-main: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --sa-font-heading: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --sa-shadow-sm: 0 4px 12px rgba(13, 35, 58, 0.05);
  --sa-shadow-md: 0 10px 30px rgba(13, 35, 58, 0.08);
  --sa-shadow-lg: 0 20px 45px rgba(13, 35, 58, 0.12);
  --sa-radius: 14px;
}

/* --------------------------------------------------------------------------
   Global typography
   -------------------------------------------------------------------------- */
body {
  font-family: var(--sa-font-main);
  color: var(--sa-text);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  line-height: 1.7;
}

h1, h2, h3, h4, h5, h6, .font-primary {
  font-family: var(--sa-font-heading);
  color: var(--sa-navy);
  letter-spacing: -0.2px;
  font-weight: 700;
}

a { color: var(--sa-navy-light); }
a:hover { color: var(--sa-gold); text-decoration: none; }

::selection { background: var(--sa-gold); color: var(--sa-navy-dark); }

/* Back to top */
.back-to-top {
  background: var(--sa-gold-gradient);
  border-radius: 50%;
  box-shadow: 0 6px 18px rgba(197, 155, 39, 0.45);
}
.back-to-top i { color: var(--sa-navy-dark); }
.back-to-top:hover { background: var(--sa-navy-dark); }
.back-to-top:hover i { color: var(--sa-gold); }

/* --------------------------------------------------------------------------
   1. Top info bar (hidden so header starts cleanly with Logo + Brand Plaque + Nav)
   -------------------------------------------------------------------------- */
#topbar {
  display: none !important;
  background: var(--sa-navy-dark);
  border-bottom: 1px solid rgba(197, 155, 39, 0.25);
  padding: 8px 0;
  font-size: 13px;
  color: #e2e8f0;
}
#topbar .contact-info,
#topbar .contact-info a { color: #e2e8f0; font-weight: 500; }
#topbar .contact-info a:hover { color: var(--sa-gold); }
#topbar .contact-info i { color: var(--sa-gold); }
#topbar .social-links a { color: #e2e8f0; }
#topbar .social-links a:hover { color: var(--sa-gold); }

/* Announcement marquee in the top bar */
#topbar marquee {
  clear: both;
  display: block;
  padding-top: 6px;
  margin-top: 6px;
  border-top: 1px dashed rgba(197, 155, 39, 0.3);
}
#topbar marquee p,
#topbar marquee p[style] {
  margin: 0;
  color: var(--sa-gold) !important;
  font-weight: 500;
}
#topbar marquee a { color: #fff; text-decoration: underline; text-decoration-color: var(--sa-gold); }
#topbar marquee a:hover { color: var(--sa-gold); }

/* --------------------------------------------------------------------------
   2. Header (logo + luxury brand plaque) and main navigation
   -------------------------------------------------------------------------- */
#header {
  background: #fff;
  border-top: 0;
  border-bottom: 3px solid var(--sa-gold);
  box-shadow: 0 4px 20px rgba(7, 21, 38, 0.06);
}
#header.header-scrolled { box-shadow: 0 10px 30px rgba(7, 21, 38, 0.18); }
#header > .container:first-child {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-top: 8px;
  padding-bottom: 8px;
}
#header > .container:first-child::after { display: none; }
#header .logo { float: none !important; flex-shrink: 0; }
#header .logo h1 { padding: 2px 0; margin: 0; }
#header .logo img { max-height: 76px; width: auto; transition: transform 0.25s ease; }
#header .logo a:hover img { transform: scale(1.03); }

/* Luxury Brand Name Plaque (.bossimg) */
#header .bossimg,
.bossimg {
  float: none !important;
  padding: 0 !important;
  margin: 0 !important;
  flex: 1 1 auto;
  display: flex;
  justify-content: center;
}

.sa-brand-banner {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  background: linear-gradient(135deg, #071526 0%, #102a46 60%, #183659 100%);
  border: 1.5px solid var(--sa-gold);
  border-left: 5px solid var(--sa-gold);
  border-radius: 14px;
  padding: 10px 22px;
  box-shadow: 0 8px 24px rgba(7, 21, 38, 0.16), inset 0 1px 0 rgba(255, 255, 255, 0.08);
  position: relative;
  overflow: hidden;
}

.sa-brand-banner::after {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 120px;
  height: 100%;
  background: radial-gradient(circle at top right, rgba(223, 183, 108, 0.18), transparent 70%);
  pointer-events: none;
}

.sa-brand-emblem {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 11px;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(197, 155, 39, 0.45);
  border: 1.5px solid rgba(255, 255, 255, 0.75);
}
.sa-brand-emblem svg {
  width: 24px;
  height: 24px;
  fill: var(--sa-navy-dark);
}

.sa-brand-text {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.2;
}

.sa-brand-kicker {
  font-family: var(--sa-font-heading);
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.4px;
  color: #dfb76c;
  margin-bottom: 4px;
  white-space: nowrap;
}

.sa-brand-headline {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  font-family: var(--sa-font-heading);
}

.sa-brand-name {
  font-size: 19px;
  font-weight: 800;
  letter-spacing: 0.5px;
  background: linear-gradient(90deg, #ffffff 0%, #f5eedb 55%, #dfb76c 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.sa-brand-tagline {
  font-size: 14.5px;
  font-weight: 700;
  color: #cbd5e1;
  letter-spacing: 0.4px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.sa-brand-highlight {
  display: inline-block;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  font-weight: 800;
  font-size: 13.5px;
  letter-spacing: 0.6px;
  padding: 3px 11px;
  border-radius: 50px;
  box-shadow: 0 3px 10px rgba(197, 155, 39, 0.4);
}

/* Navigation band */
.nav-item {
  background: var(--sa-navy-gradient);
  border-top: 1px solid rgba(197, 155, 39, 0.35);
}

.nav-menu > ul { gap: 2px; }

.nav-menu > ul > li > a,
body .nav-menu > ul > li > a {
  font-family: var(--sa-font-heading);
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: 0.2px;
  color: #fff;
  padding: 16px 14px;
  border: 0;
  background: transparent;
  position: relative;
}
.nav-menu > ul > li:first-child > a { border-left: 0; }

/* Signature animated gold indicator */
.nav-menu > ul > li > a::before {
  content: "";
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 0;
  height: 3px;
  border-radius: 3px 3px 0 0;
  background: var(--sa-gold-gradient);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.25s cubic-bezier(0.165, 0.84, 0.44, 1);
}
.nav-menu > ul > li > a:hover,
.nav-menu > ul > li.active > a,
.nav-menu > ul > li:hover > a,
body .nav-menu > ul > li > a:hover,
body .nav-menu > ul > li.active > a {
  background: rgba(255, 255, 255, 0.04);
  color: var(--sa-gold) !important;
}
.nav-menu > ul > li > a:hover::before,
.nav-menu > ul > li.active > a::before,
.nav-menu > ul > li:hover > a::before { transform: scaleX(1); }

/* Contact Us = luxury gold CTA pill (same idea as "Student Enquiry") */
.nav-menu > ul > li > a[href="contact.html"],
body .nav-menu > ul > li > a[href="contact.html"] {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark) !important;
  border-radius: 50px;
  padding: 9px 22px;
  margin: 6px 0 6px 10px;
  font-weight: 700;
  border: 1.5px solid rgba(255, 255, 255, 0.85);
  box-shadow: 0 4px 15px rgba(197, 155, 39, 0.35);
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
}
.nav-menu > ul > li > a[href="contact.html"]::before { display: none; }
.nav-menu > ul > li > a[href="contact.html"]:hover,
body .nav-menu > ul > li > a[href="contact.html"]:hover,
.nav-menu > ul > li.active > a[href="contact.html"] {
  color: var(--sa-navy-dark) !important;
  background: linear-gradient(135deg, #dfb76c 0%, #c59b27 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(197, 155, 39, 0.5);
}

/* Dropdown (Achievements) */
.nav-menu .drop-down > ul {
  background: #fff;
  border-radius: 14px;
  border: 1px solid rgba(226, 232, 240, 0.9);
  border-top: 3.5px solid var(--sa-gold);
  box-shadow: 0 20px 48px rgba(7, 21, 38, 0.16), 0 4px 14px rgba(197, 155, 39, 0.1);
  padding: 8px;
  min-width: 230px;
  transform: translateY(12px);
  transition: all 0.28s cubic-bezier(0.165, 0.84, 0.44, 1);
}
.nav-menu .drop-down:hover > ul { transform: translateY(0); }
.nav-menu .drop-down li { min-width: 0; margin-bottom: 2px; }
.nav-menu .drop-down ul a,
body .nav-menu .drop-down ul a {
  font-family: var(--sa-font-main);
  font-size: 13.5px;
  font-weight: 500;
  color: var(--sa-navy-dark);
  background: transparent;
  border-radius: 8px;
  padding: 10px 14px;
  transition: all 0.22s ease;
}
.nav-menu .drop-down ul a::before { display: none; }
.nav-menu .drop-down ul a:hover,
.nav-menu .drop-down ul .active > a,
.nav-menu .drop-down ul li:hover > a,
body .nav-menu .drop-down ul a:hover {
  background: #fdfaf3;
  color: var(--sa-gold-dark) !important;
  padding-left: 18px;
}
.nav-menu .drop-down > a:after { color: #94a3b8; transition: transform 0.25s ease, color 0.25s ease; display: inline-block; }
.nav-menu .drop-down:hover > a:after { color: var(--sa-gold); transform: rotate(180deg); }

/* Generic .active a rule from style.css leaked a yellow background everywhere */
.active a { background: transparent; }
.nav-menu .drop-down ul .active > a { color: var(--sa-gold-dark) !important; }

/* Mobile navigation */
.mobile-nav {
  background: var(--sa-navy-dark);
  border-right: 2px solid var(--sa-gold);
}
.mobile-nav a { color: #e2e8f0; font-family: var(--sa-font-heading); font-size: 14px; border-bottom: 1px solid rgba(255, 255, 255, 0.06); }
.mobile-nav a:hover,
.mobile-nav .active > a,
.mobile-nav li:hover > a { color: var(--sa-gold); background: transparent; }
.mobile-nav .drop-down li a { font-family: var(--sa-font-main); font-size: 13px; }
.mobile-nav-toggle i { color: var(--sa-navy); }
.mobile-nav-active .mobile-nav-toggle i { color: var(--sa-gold); }
.mobile-nav-overly { background: rgba(7, 21, 38, 0.75); }

/* --------------------------------------------------------------------------
   3. Hero carousel
   -------------------------------------------------------------------------- */
#hero,
#hero .carousel-item {
  height: calc(100vh - 148px);
}
#hero .carousel-item::before {
  background: linear-gradient(105deg, rgba(7, 21, 38, 0.88) 0%, rgba(13, 35, 58, 0.62) 55%, rgba(13, 35, 58, 0.25) 100%);
}
#hero h2 {
  color: #fff;
  font-family: var(--sa-font-heading);
  font-weight: 800;
  position: relative;
  padding-bottom: 22px;
  text-shadow: 0 4px 24px rgba(0, 0, 0, 0.35);
}
#hero h2::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 84px;
  height: 4px;
  border-radius: 4px;
  background: var(--sa-gold-gradient);
}
#hero p { color: #e2e8f0; font-size: 18px; font-weight: 300; }
#hero .btn-get-started,
#hero .btn-get-startedi478 {
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 13.5px;
  letter-spacing: 0.4px;
  color: var(--sa-navy-dark);
  background: var(--sa-gold-gradient);
  border: 1.5px solid rgba(255, 255, 255, 0.9);
  border-radius: 50px;
  padding: 14px 34px;
  box-shadow: 0 6px 20px rgba(197, 155, 39, 0.45);
  display: inline-block;
  line-height: 1;
  margin: 10px;
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
}
#hero .btn-get-started:hover,
#hero .btn-get-startedi478:hover {
  background: linear-gradient(135deg, #dfb76c 0%, #c59b27 100%);
  color: var(--sa-navy-dark);
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(197, 155, 39, 0.55);
}
#hero .btn-get-started.sa-hero-lic-btn {
  margin-left: 10px;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark) !important;
  border: 2px solid #ffffff;
}
#hero .btn-get-started.sa-hero-emi-btn {
  margin-left: 10px;
  background: rgba(7, 21, 38, 0.88);
  color: var(--sa-gold) !important;
  border: 2px solid var(--sa-gold);
}
#hero .btn-get-started.sa-hero-emi-btn:hover {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark) !important;
}
#hero .carousel-control-next-icon,
#hero .carousel-control-prev-icon { color: var(--sa-gold); }
#hero .carousel-indicators li { background-color: var(--sa-gold); }

/* --------------------------------------------------------------------------
   4. Section titles
   -------------------------------------------------------------------------- */
section { padding: 70px 0; }
.section-bg { background-color: var(--sa-bg-light); }

.section-title { padding-bottom: 40px; }
.section-title h2 {
  font-family: var(--sa-font-heading);
  font-size: 32px;
  font-weight: 800;
  color: var(--sa-navy);
  position: relative;
  padding-bottom: 18px;
  margin-bottom: 18px;
}
.section-title h2::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  width: 70px;
  height: 4px;
  margin-left: -35px;
  border-radius: 4px;
  background: var(--sa-gold-gradient);
}
.section-title p { color: var(--sa-text-muted); }

/* Gold call-to-action banner under hero */
.bluebox .section-title {
  background: var(--sa-navy-gradient);
  padding: 46px 20px 50px;
  border-top: 3px solid var(--sa-gold);
  border-bottom: 3px solid var(--sa-gold);
  position: relative;
}
.bluebox .section-title h2 { color: #fff; max-width: 900px; margin-left: auto; margin-right: auto; }
.bluebox .section-title p { color: #cbd5e1; margin-bottom: 1.4rem; }
.bluebox .section-title a {
  display: inline-block;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.3px;
  color: var(--sa-navy-dark);
  background: var(--sa-gold-gradient);
  border: 1.5px solid rgba(255, 255, 255, 0.85);
  border-radius: 50px;
  padding: 12px 34px;
  box-shadow: 0 6px 20px rgba(197, 155, 39, 0.4);
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
}
.bluebox .section-title a:hover { transform: translateY(-3px); box-shadow: 0 12px 28px rgba(197, 155, 39, 0.55); color: var(--sa-navy-dark); }
.sa-bluebox-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
}
.bluebox .section-title a.sa-bluebox-lic-btn,
.bluebox .section-title a.sa-bluebox-emi-btn {
  background: rgba(7, 21, 38, 0.85);
  color: var(--sa-gold) !important;
  border: 2px solid var(--sa-gold);
}
.bluebox .section-title a.sa-bluebox-lic-btn:hover,
.bluebox .section-title a.sa-bluebox-emi-btn:hover {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark) !important;
}

/* --------------------------------------------------------------------------
   5. Cards (home "team" cards) - pillar-card look
   -------------------------------------------------------------------------- */
.team { background: var(--sa-bg-light); }
.team .member {
  background: #fff;
  border-radius: var(--sa-radius);
  border: 1px solid var(--sa-border);
  border-top: 4px solid var(--sa-gold);
  box-shadow: var(--sa-shadow-sm);
  overflow: hidden;
  margin-bottom: 30px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.team .member:hover {
  transform: translateY(-8px);
  box-shadow: var(--sa-shadow-lg);
  border-color: var(--sa-border-gold);
}
.team .member { text-align: center; display: flex; flex-direction: column; height: calc(100% - 30px); }
.team .member .pic { border-radius: 0; flex: 0 0 auto; }
.team .member .pic img { width: 100%; height: 230px; object-fit: cover; }
/* info panel sits UNDER the picture (was an overlay hanging below the card) */
.team .member .member-info {
  position: static;
  background: #fff;
  border-radius: 0;
  padding: 24px 22px 26px;
  flex: 1 1 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.team .member h4 {
  color: var(--sa-navy);
  font-family: var(--sa-font-heading);
  font-size: 18px;
  padding-bottom: 14px;
  margin-bottom: 14px;
}
.team .member h4::after { background: var(--sa-gold-gradient); height: 3px; width: 50px; border-radius: 3px; }
.team .member span { color: var(--sa-text-muted); font-style: normal; font-size: 14px; line-height: 1.7; padding: 0; flex: 1 1 auto; }
.team .member .social { margin-top: 18px; }
.team .member .social a {
  display: inline-block;
  padding: 9px 24px;
  border-radius: 50px;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 12.5px;
  transition: all 0.25s ease;
}
.team .member .social a:hover { color: var(--sa-navy-dark); box-shadow: 0 6px 16px rgba(197, 155, 39, 0.5); transform: translateY(-2px); }
@media (max-width: 992px) { .team .member { margin-bottom: 30px; height: auto; } }

/* --------------------------------------------------------------------------
   6. About
   -------------------------------------------------------------------------- */
.about .container {
  border-radius: var(--sa-radius);
  border: 1px solid var(--sa-border);
  box-shadow: var(--sa-shadow-md);
  background: #fff;
  overflow: hidden;
}
.about .section-title p { color: var(--sa-gold-dark); font-weight: 500; }
.about .icon-box .description { color: var(--sa-text); }
.about .about-content a,
.about .icon-box .description > a {
  display: inline-block;
  margin-top: 8px;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 13px;
  color: var(--sa-gold-dark);
  border-bottom: 2px solid var(--sa-gold);
}
.about .about-content a:hover { color: var(--sa-navy); }
.about .icon-box .icon { background: var(--sa-gold-light); border-radius: 10px; }
.about .icon-box .icon i { color: var(--sa-gold); }
.about .icon-box:hover .icon { background: var(--sa-gold); }
.about .icon-box:hover .icon i { color: var(--sa-navy-dark); }
.about .icon-box .title a { color: var(--sa-navy); }
.about .icon-box .title a:hover { color: var(--sa-gold); }
.about .play-btn { background: radial-gradient(var(--sa-gold) 50%, rgba(197, 155, 39, 0.4) 52%); }
.about .play-btn::before { border-color: rgba(197, 155, 39, 0.7); }
.about-lists .content-item { border-color: var(--sa-border); }
.about-lists .content-item span { color: var(--sa-gold); }
.counts .count-box { border-radius: var(--sa-radius); box-shadow: var(--sa-shadow-sm); border-top: 3px solid var(--sa-gold); }
.counts .count-box i { color: var(--sa-gold); }
.counts .count-box span { color: var(--sa-navy); font-family: var(--sa-font-heading); }

/* --------------------------------------------------------------------------
   7. Services / portfolio / faq (shared template components)
   -------------------------------------------------------------------------- */
.services .icon i { color: var(--sa-gold); }
.services .title a { color: var(--sa-navy); }
.services .title a:hover { color: var(--sa-gold); }
.services .title::after { background: var(--sa-gold); }
.portfolio #portfolio-flters li:hover,
.portfolio #portfolio-flters li.filter-active { background: var(--sa-gold-gradient); color: var(--sa-navy-dark); }
.portfolio .portfolio-wrap { border-radius: var(--sa-radius); overflow: hidden; }
.portfolio .portfolio-wrap .portfolio-info { background: rgba(7, 21, 38, 0.72); }
.portfolio .portfolio-wrap .portfolio-info a { color: var(--sa-gold-dark); }
.portfolio .portfolio-wrap .portfolio-info a:hover { background: var(--sa-gold); color: var(--sa-navy-dark); }
.faq .faq-item h4 { color: var(--sa-navy); }

/* --------------------------------------------------------------------------
   8. Inner pages (.contact sections: benefits, life/health insurance, ...)
   -------------------------------------------------------------------------- */
.contact { background: #fff; }
.contact .container {
  background: #fff;
}
.contact .section-title h2 { margin-bottom: 0; }
.contact .info-box {
  border-radius: var(--sa-radius);
  background: #fff;
  box-shadow: var(--sa-shadow-sm);
  border: 1px solid var(--sa-border);
  border-top: 4px solid var(--sa-gold);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.contact .info-box:hover { transform: translateY(-6px); box-shadow: var(--sa-shadow-lg); }
.contact .info-box i { color: var(--sa-gold); border: 2px dotted var(--sa-border-gold); background: var(--sa-gold-light); }
.contact .info-box h3 { color: var(--sa-navy); font-family: var(--sa-font-heading); }
.contact .info-box p { color: var(--sa-text-muted); }
.contact .info-box .whatsapplogo i { background: transparent; }
.whatsapplogo:hover { color: var(--sa-gold); }

main#main .container img.img-fluid { border-radius: var(--sa-radius); }
main#main .container .row > [class*="col-"] > h5,
main#main .container h5 {
  font-family: var(--sa-font-heading);
  color: var(--sa-navy);
  font-weight: 700;
}
main#main .container ul li::marker { color: var(--sa-gold); }

.listtext { color: var(--sa-text); }

/* Cards used on inner pages */
.card {
  border-radius: var(--sa-radius);
  border: 1px solid var(--sa-border);
  box-shadow: var(--sa-shadow-sm);
}
.card-title { color: var(--sa-navy); font-family: var(--sa-font-heading); }

/* Forms */
.sa-contact-form-card {
  background: #ffffff;
  border-radius: 18px;
  border: 1.5px solid rgba(197, 155, 39, 0.35);
  border-top: 5px solid var(--sa-gold);
  box-shadow: 0 18px 45px rgba(7, 21, 38, 0.10);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.sa-cf-header {
  background: var(--sa-navy-gradient);
  border-bottom: 3px solid var(--sa-gold);
  padding: 20px 26px;
  display: flex;
  align-items: center;
  gap: 14px;
  color: #ffffff;
}
.sa-cf-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: 12px;
  background: var(--sa-gold-gradient);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(197, 155, 39, 0.38);
}
.sa-cf-icon svg {
  width: 24px;
  height: 24px;
  fill: var(--sa-navy-dark);
}
.sa-cf-header span {
  display: block;
  font-family: var(--sa-font-heading);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--sa-gold);
  margin-bottom: 2px;
}
.sa-cf-header h3 {
  font-family: var(--sa-font-heading);
  font-size: 20px;
  font-weight: 800;
  color: #ffffff;
  margin: 0 0 2px;
}
.sa-cf-header p {
  font-size: 13px;
  color: #cbd5e1;
  margin: 0;
}
.sa-cf-body {
  padding: 24px 26px 26px !important;
  box-shadow: none !important;
  border: 0 !important;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.sa-cf-label {
  display: block;
  font-family: var(--sa-font-heading);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--sa-navy);
  margin-bottom: 6px;
}
.sa-cf-label em {
  color: #dc2626;
  font-style: normal;
}
.sa-cf-body .form-control {
  height: 44px;
  border-radius: 10px !important;
  border: 1.5px solid #cbd5e1 !important;
  padding: 8px 13px !important;
  font-size: 13.5px !important;
  color: var(--sa-navy-dark) !important;
  background: #f8fafc;
  transition: all 0.2s ease;
}
.sa-cf-body textarea.form-control {
  height: auto;
  min-height: 96px;
}
.sa-cf-body .form-control:focus {
  background: #ffffff;
  border-color: var(--sa-gold) !important;
  box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.2) !important;
}
.sa-cf-actions {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 12px;
  margin-top: 8px;
}
.sa-cf-wa-btn {
  background: #25d366;
  color: #ffffff !important;
  border: 0;
  border-radius: 50px;
  padding: 12px 18px;
  font-family: var(--sa-font-heading);
  font-size: 13.5px;
  font-weight: 700;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  box-shadow: 0 6px 18px rgba(37, 211, 102, 0.32);
  transition: all 0.25s ease;
}
.sa-cf-wa-btn svg {
  width: 18px;
  height: 18px;
  fill: #ffffff;
}
.sa-cf-wa-btn:hover {
  background: #1ebe5a;
  transform: translateY(-2px);
}
@media (max-width: 575px) {
  .sa-cf-actions {
    grid-template-columns: 1fr;
  }
}

.contact .php-email-form input,
.contact .php-email-form textarea,
.form-control {
  border-radius: 10px;
  border: 1px solid var(--sa-border);
  font-family: var(--sa-font-main);
  color: var(--sa-text);
}
.contact .php-email-form input:focus,
.contact .php-email-form textarea:focus,
.form-control:focus {
  border-color: var(--sa-gold);
  box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.18);
}
.contact .php-email-form button[type="submit"],
.btn-primary,
#emi-calculator .btn-primary {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  font-family: var(--sa-font-heading);
  font-weight: 700;
  letter-spacing: 0.3px;
  border: 1.5px solid rgba(255, 255, 255, 0.85);
  border-radius: 50px;
  padding: 12px 34px;
  box-shadow: 0 6px 20px rgba(197, 155, 39, 0.35);
  transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
}
.contact .php-email-form button[type="submit"]:hover,
.btn-primary:hover,
.btn-primary:focus,
.btn-primary:active,
#emi-calculator .btn-primary:hover {
  background: linear-gradient(135deg, #dfb76c 0%, #c59b27 100%) !important;
  color: var(--sa-navy-dark) !important;
  border-color: rgba(255, 255, 255, 0.85) !important;
  transform: translateY(-2px);
  box-shadow: 0 10px 26px rgba(197, 155, 39, 0.5);
}
.btn-light { border-radius: 50px; font-family: var(--sa-font-heading); font-weight: 700; color: var(--sa-navy-dark); }

/* --------------------------------------------------------------------------
   9. EMI calculator & housing-loan page
   -------------------------------------------------------------------------- */
#emi-calculator {
  background: linear-gradient(180deg, #f8fafc 0%, #f1f5f9 100%);
  position: relative;
}

.emi-section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--sa-navy-dark);
  color: var(--sa-gold);
  border: 1.5px solid var(--sa-gold);
  padding: 6px 18px;
  border-radius: 50px;
  font-family: var(--sa-font-heading);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 14px;
  box-shadow: 0 4px 14px rgba(7, 21, 38, 0.12);
}
.emi-section-badge svg {
  width: 16px;
  height: 16px;
  fill: var(--sa-gold);
}

#emi-calculator .emi-main-card {
  border-radius: 20px !important;
  border: 1px solid rgba(197, 155, 39, 0.28) !important;
  border-top: 5px solid var(--sa-gold) !important;
  box-shadow: 0 24px 60px rgba(7, 21, 38, 0.1) !important;
  background: #ffffff;
}

.emi-field-card {
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  padding: 15px 18px;
  margin-bottom: 12px !important;
  transition: all 0.25s ease;
}
.emi-field-card:last-child {
  margin-bottom: 0 !important;
}
.emi-field-card:hover,
.emi-field-card:focus-within {
  background: #ffffff;
  border-color: var(--sa-gold);
  box-shadow: 0 8px 24px rgba(197, 155, 39, 0.12);
}

.emi-field-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 8px;
  flex-wrap: wrap;
}

.emi-label-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
}

.emi-field-logo {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 12px;
  background: var(--sa-navy-gradient);
  border: 1.5px solid var(--sa-gold);
  color: var(--sa-gold);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(7, 21, 38, 0.15);
}
.emi-field-logo svg {
  width: 22px;
  height: 22px;
  fill: var(--sa-gold);
}

.emi-field-sub {
  display: block;
  font-size: 12px;
  color: var(--sa-text-muted);
  margin-top: 1px;
}

.emi-value-pill {
  background: var(--sa-gold-light);
  color: var(--sa-navy-dark);
  border: 1px solid rgba(197, 155, 39, 0.45);
  font-family: var(--sa-font-heading);
  font-size: 14px;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 50px;
  white-space: nowrap;
}

.emi-input-group {
  position: relative;
  display: flex;
  align-items: center;
  margin-bottom: 10px;
}
.emi-input-prefix {
  position: absolute;
  left: 14px;
  font-family: var(--sa-font-heading);
  font-weight: 800;
  font-size: 14px;
  color: var(--sa-gold-dark);
  background: var(--sa-gold-light);
  padding: 3px 9px;
  border-radius: 6px;
  pointer-events: none;
}
#emi-calculator .emi-input-group .form-control {
  padding-left: 56px;
  height: 48px;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 16px;
  color: var(--sa-navy-dark);
  border-radius: 10px;
  border: 1.5px solid #cbd5e1;
  background: #ffffff;
}
#emi-calculator .emi-input-group .form-control:focus {
  border-color: var(--sa-gold);
  box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.18);
}

/* Range Sliders */
.emi-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 7px;
  border-radius: 5px;
  background: linear-gradient(90deg, var(--sa-gold) 0%, #cbd5e1 100%);
  outline: none;
  margin: 8px 0 4px;
  cursor: pointer;
}
.emi-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--sa-navy-dark);
  border: 3px solid var(--sa-gold);
  box-shadow: 0 2px 8px rgba(7, 21, 38, 0.35);
  cursor: pointer;
  transition: transform 0.15s ease;
}
.emi-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.emi-scale-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11.5px;
  font-weight: 600;
  color: var(--sa-text-muted);
  margin-top: 4px;
}

.emi-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 10px;
}
.emi-preset-btn {
  background: #ffffff;
  border: 1px solid #cbd5e1;
  color: var(--sa-navy);
  font-family: var(--sa-font-heading);
  font-size: 12px;
  font-weight: 700;
  padding: 5px 13px;
  border-radius: 50px;
  cursor: pointer;
  transition: all 0.2s ease;
}
.emi-preset-btn:hover,
.emi-preset-btn.active {
  background: var(--sa-navy-dark);
  color: var(--sa-gold);
  border-color: var(--sa-gold);
}

.emi-btn-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 6px;
  background: #f8fafc;
  border: 1px dashed #cbd5e1;
  border-radius: 12px;
  padding: 8px 14px;
}
.emi-auto-calc-note {
  font-family: var(--sa-font-heading);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--sa-navy);
}
.emi-calc-btn {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  border-radius: 50px !important;
  padding: 13px 28px !important;
  font-size: 15px !important;
  font-weight: 800 !important;
}
.emi-calc-btn svg {
  width: 19px;
  height: 19px;
  fill: var(--sa-navy-dark);
}
.emi-reset-btn {
  background: #ffffff;
  border: 1.5px solid var(--sa-gold);
  color: var(--sa-navy-dark);
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 12.5px;
  padding: 7px 18px;
  border-radius: 50px;
  cursor: pointer;
  transition: all 0.2s ease;
}
.emi-reset-btn:hover {
  border-color: var(--sa-navy);
  color: var(--sa-gold);
  background: var(--sa-navy-dark);
}

/* Right Column: Loan Summary Card */
body #emi-calculator .emi-result {
  background: var(--sa-navy-gradient) !important;
  border: 2px solid var(--sa-gold) !important;
  border-radius: 18px !important;
  color: #e2e8f0;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 18px 40px rgba(7, 21, 38, 0.25);
}

.emi-result-head {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-bottom: 16px;
  margin-bottom: 16px;
  border-bottom: 1px solid rgba(197, 155, 39, 0.25);
}
.emi-summary-logo {
  width: 46px;
  height: 46px;
  min-width: 46px;
  border-radius: 12px;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 14px rgba(197, 155, 39, 0.4);
}
.emi-summary-logo svg {
  width: 24px;
  height: 24px;
  fill: var(--sa-navy-dark);
}
.emi-result-head h4 {
  color: #ffffff !important;
  font-size: 19px;
}
.emi-result-head small {
  color: var(--sa-gold);
  font-size: 12px;
  font-weight: 500;
}

/* Monthly EMI Hero Box */
.emi-hero-box {
  background: rgba(7, 21, 38, 0.65);
  border: 1.5px solid rgba(197, 155, 39, 0.55);
  border-radius: 14px;
  padding: 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
}
.emi-hero-icon {
  width: 50px;
  height: 50px;
  min-width: 50px;
  border-radius: 50%;
  background: rgba(197, 155, 39, 0.16);
  border: 1px solid var(--sa-gold);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.emi-hero-icon svg {
  width: 24px;
  height: 24px;
  fill: var(--sa-gold);
}
.emi-hero-text span {
  display: block;
  font-size: 12.5px;
  color: #cbd5e1;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.emi-hero-text strong {
  font-family: var(--sa-font-heading);
  font-size: 28px !important;
  font-weight: 800;
  color: var(--sa-gold) !important;
  line-height: 1.2;
}

/* Split Progress Bar */
.emi-split-wrap {
  margin-bottom: 18px;
}
.emi-split-bar {
  height: 10px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.1);
  overflow: hidden;
  display: flex;
  margin-bottom: 8px;
}
.emi-bar-principal {
  background: var(--sa-gold-gradient);
  height: 100%;
  transition: width 0.3s ease;
}
.emi-bar-interest {
  background: #38bdf8;
  height: 100%;
  transition: width 0.3s ease;
}
.emi-split-legend {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: #cbd5e1;
}
.emi-split-legend em {
  font-style: normal;
  font-weight: 700;
  color: #ffffff;
}
.dot-principal,
.dot-interest {
  display: inline-block;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  margin-right: 5px;
}
.dot-principal { background: var(--sa-gold); }
.dot-interest { background: #38bdf8; }

/* Breakdown Stat Rows */
.emi-stat-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 20px;
}
.emi-stat-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  padding: 11px 14px;
  border-radius: 11px;
}
.emi-stat-total {
  background: rgba(197, 155, 39, 0.14);
  border-color: rgba(197, 155, 39, 0.45);
}
.emi-stat-left {
  display: flex;
  align-items: center;
  gap: 10px;
}
.emi-stat-icon {
  width: 32px;
  height: 32px;
  min-width: 32px;
  border-radius: 8px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.emi-stat-icon svg {
  width: 17px;
  height: 17px;
}
.stat-principal { background: rgba(197, 155, 39, 0.2); }
.stat-principal svg { fill: var(--sa-gold); }
.stat-interest { background: rgba(56, 189, 248, 0.2); }
.stat-interest svg { fill: #38bdf8; }
.stat-total { background: var(--sa-gold); }
.stat-total svg { fill: var(--sa-navy-dark); }

.emi-stat-item strong {
  font-family: var(--sa-font-heading);
  font-size: 16px !important;
  color: #ffffff !important;
}
.emi-stat-total strong {
  color: var(--sa-gold) !important;
  font-size: 18px !important;
}

/* Summary Action Buttons */
.emi-summary-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.emi-wa-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #25d366;
  color: #ffffff !important;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 13.5px;
  padding: 11px 18px;
  border-radius: 50px;
  box-shadow: 0 6px 18px rgba(37, 211, 102, 0.35);
  transition: all 0.25s ease;
}
.emi-wa-btn svg {
  width: 18px;
  height: 18px;
  fill: #ffffff;
}
.emi-wa-btn:hover {
  background: #1ebe5a;
  transform: translateY(-2px);
}
.emi-apply-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark) !important;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 13.5px;
  padding: 11px 18px;
  border-radius: 50px;
  transition: all 0.25s ease;
}
.emi-apply-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(197, 155, 39, 0.45);
}

#emi-calculator label { color: var(--sa-navy); }

body .loan-hero {
  background: linear-gradient(105deg, rgba(7, 21, 38, 0.92), rgba(24, 54, 89, 0.85)), var(--sa-navy) !important;
  border-bottom: 4px solid var(--sa-gold);
}
body .loan-hero h1 { color: #fff; }
body .loan-hero p { color: #cbd5e1; }
body .loan-section { background: #fff; }
body .loan-section:nth-of-type(even) { background: var(--sa-bg-light); }
body .loan-card {
  border-radius: var(--sa-radius);
  border: 1px solid var(--sa-border);
  border-top: 4px solid var(--sa-gold);
  box-shadow: var(--sa-shadow-sm);
}
body .loan-card:hover { box-shadow: var(--sa-shadow-lg); transform: translateY(-6px); }
body .loan-card .icon {
  color: var(--sa-gold);
  background: var(--sa-gold-light);
  width: 56px;
  height: 56px;
  border-radius: 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
body .loan-title h2 { color: var(--sa-navy); font-family: var(--sa-font-heading); }
body .loan-list li::before,
body .loan-list li i { color: var(--sa-gold); }
body .eligibility-box,
body .emi-box { background: var(--sa-gold-light); border-color: var(--sa-border-gold); border-radius: var(--sa-radius); }
body .cta-loan { background: var(--sa-navy-gradient); border-top: 3px solid var(--sa-gold); }
body .cta-loan h2, body .cta-loan h3, body .cta-loan p { color: #fff; }
body .cta-loan .btn { background: var(--sa-gold-gradient); color: var(--sa-navy-dark); border: 0; border-radius: 50px; font-weight: 700; }
body .faq .card-header { background: #fff; border-bottom: 1px solid var(--sa-border); }
body .faq .btn-link { color: var(--sa-navy); font-family: var(--sa-font-heading); font-weight: 600; text-decoration: none; }
body .faq .btn-link:hover { color: var(--sa-gold); }

/* --------------------------------------------------------------------------
   10. Galleries / enquiry form page / page banner
   -------------------------------------------------------------------------- */
body .image-gallery-section,
body .video-gallery-section {
  background: var(--sa-bg-light);
  padding: 65px 0 80px !important;
}
.sa-gallery-kicker {
  display: inline-block;
  font-family: var(--sa-font-heading);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  color: var(--sa-navy-dark);
  background: var(--sa-gold-light);
  border: 1px solid var(--sa-border-gold);
  padding: 5px 16px;
  border-radius: 50px;
  margin-bottom: 12px;
}
body .image-gallery-title h2,
body .video-gallery-title h2 {
  color: var(--sa-navy);
  font-family: var(--sa-font-heading);
  font-weight: 800;
  position: relative;
  padding-bottom: 16px;
}
body .image-gallery-title h2::after,
body .video-gallery-title h2::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  width: 70px;
  height: 4px;
  margin-left: -35px;
  border-radius: 4px;
  background: var(--sa-gold-gradient);
}
body .image-gallery-card,
body .video-gallery-card {
  border-radius: var(--sa-radius);
  border: 1px solid var(--sa-border);
  border-top: 4px solid var(--sa-gold);
  box-shadow: var(--sa-shadow-sm);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  height: 100%;
  margin-bottom: 0;
}
body .image-gallery-card:hover,
body .video-gallery-card:hover { box-shadow: var(--sa-shadow-lg); transform: translateY(-6px); }

body .video-embed-wrap {
  position: relative;
  width: 100%;
  height: 240px;
  background: var(--sa-navy-dark);
  border-bottom: 2px solid rgba(197, 155, 39, 0.35);
}
body .video-embed-wrap iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}
body .video-gallery-content {
  padding: 18px 20px 14px;
  flex: 1;
}
.video-badge {
  display: inline-block;
  font-family: var(--sa-font-heading);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--sa-gold-dark);
  background: var(--sa-gold-light);
  border: 1px solid rgba(197, 155, 39, 0.35);
  padding: 3px 10px;
  border-radius: 50px;
  margin-bottom: 8px;
}
body .image-gallery-content h4,
body .video-gallery-content h4 {
  color: var(--sa-navy);
  font-family: var(--sa-font-heading);
  font-size: 17.5px;
  font-weight: 700;
  margin-bottom: 8px;
}
body .video-gallery-content p {
  font-size: 13.5px;
  color: var(--sa-text-muted);
  line-height: 1.6;
}
body .youtube-video-link {
  padding: 0 20px 20px;
}
body .youtube-video-link a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  background: var(--sa-navy-gradient);
  color: #ffffff;
  border: 1px solid rgba(197, 155, 39, 0.45);
  border-radius: 50px;
  padding: 10px 16px;
  font-family: var(--sa-font-heading);
  font-size: 13px;
  font-weight: 700;
}
body .youtube-video-link a svg {
  width: 18px;
  height: 18px;
  fill: #ff0000;
  flex-shrink: 0;
}
body .youtube-video-link a:hover {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  border-color: var(--sa-gold);
}
body .youtube-video-link a:hover svg {
  fill: var(--sa-navy-dark);
}

/* YouTube Channel CTA Banner */
.sa-youtube-channel-cta {
  margin-top: 24px;
  background: var(--sa-navy-gradient);
  border: 2px solid var(--sa-gold);
  border-radius: 16px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  box-shadow: var(--sa-shadow-md);
}
.sa-yt-cta-left {
  display: flex;
  align-items: center;
  gap: 16px;
}
.sa-yt-cta-icon {
  width: 54px;
  height: 54px;
  min-width: 54px;
  border-radius: 14px;
  background: rgba(255, 0, 0, 0.15);
  border: 1.5px solid #ff4d4d;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.sa-yt-cta-icon svg {
  width: 28px;
  height: 28px;
  fill: #ff3333;
}
.sa-yt-cta-left h4 {
  color: #ffffff;
  font-family: var(--sa-font-heading);
  font-size: 19px;
  font-weight: 700;
  margin: 0 0 4px;
}
.sa-yt-cta-left p {
  color: #cbd5e1;
  font-size: 14px;
  margin: 0;
}
.sa-yt-cta-btn {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark) !important;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 14px;
  padding: 12px 24px;
  border-radius: 50px;
  white-space: nowrap;
  box-shadow: 0 6px 18px rgba(197, 155, 39, 0.35);
  transition: all 0.25s ease;
}
.sa-yt-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(197, 155, 39, 0.5);
}
@media (max-width: 767px) {
  .sa-youtube-channel-cta {
    flex-direction: column;
    text-align: center;
    padding: 20px;
  }
  .sa-yt-cta-left {
    flex-direction: column;
  }
}

body .page-banner {
  background: linear-gradient(105deg, rgba(7, 21, 38, 0.94), rgba(24, 54, 89, 0.88));
  border-bottom: 4px solid var(--sa-gold);
}
body .page-banner h1 { color: #fff; font-family: var(--sa-font-heading); }
body .page-banner p { color: #cbd5e1; }
body .enquiry-section { background: var(--sa-bg-light); }
body .enquiry-section input:focus,
body .enquiry-section select:focus,
body .enquiry-section textarea:focus { border-color: var(--sa-gold); box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.18); outline: 0; }
body .enquiry-section button.submit-btn,
body .enquiry-section input[type="submit"] {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  border: 0;
  border-radius: 50px;
  font-family: var(--sa-font-heading);
  font-weight: 700;
}
body .enquiry-section .sa-cf-wa-btn {
  background: #25d366 !important;
  color: #ffffff !important;
}
body .enquiry-section .sa-cf-wa-btn:hover {
  background: #1ebe5a !important;
  color: #ffffff !important;
}

/* enquiry-form.html carries its own copy of the header/nav CSS - keep it in theme */
body .nav-menu > ul > li > a:hover,
body .nav-menu > ul > li.active > a { background: rgba(255, 255, 255, 0.04); }

/* --------------------------------------------------------------------------
   11. Footer
   -------------------------------------------------------------------------- */
#footer {
  background: var(--sa-navy-dark);
  color: #cbd5e1;
  font-family: var(--sa-font-main);
}
#footer .footer-top {
  background: var(--sa-navy-gradient);
  border-top: 4px solid var(--sa-gold);
  border-bottom: 1px solid rgba(197, 155, 39, 0.25);
  padding: 50px 0 10px;
}
#footer .footer-top h4 {
  font-family: var(--sa-font-heading);
  color: var(--sa-gold);
  font-weight: 700;
  font-size: 16px;
  letter-spacing: 0.3px;
  padding-bottom: 14px;
  margin-bottom: 14px;
}
#footer .footer-top h4::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 42px;
  height: 3px;
  border-radius: 3px;
  background: var(--sa-gold-gradient);
}
#footer .footer-top p { color: #cbd5e1; line-height: 1.8; }
#footer .footer-top .footer-links ul i { color: var(--sa-gold); }
#footer .footer-top .footer-links ul li { color: #cbd5e1; padding: 9px 0; }
#footer .footer-top .footer-links ul a { color: #e2e8f0; line-height: 1.4; }
#footer .footer-top .footer-links ul a:hover { color: var(--sa-gold); padding-left: 4px; }
#footer .footer-top .footer-info h3 { color: #fff; font-family: var(--sa-font-heading); }
#footer .footer-top .footer-newsletter form { border-radius: 50px; padding: 6px 6px 6px 18px; }
#footer .footer-top .footer-newsletter form input[type="submit"] {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  font-weight: 700;
  border-radius: 50px;
}
#footer .copyright {
  color: #cbd5e1;
  font-size: 13.5px;
  padding: 20px 0;
  display: flex !important;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  text-align: left !important;
  float: none !important;
}
#footer .copyright p {
  margin: 0;
  color: #cbd5e1;
}
#footer .copyright strong {
  color: #ffffff;
  font-weight: 700;
}
#footer .copyright a,
#footer .copyright a strong {
  color: var(--sa-gold) !important;
  text-decoration: none;
  transition: color 0.2s ease;
}
#footer .copyright a:hover,
#footer .copyright a:hover strong {
  color: #f3d477 !important;
  text-decoration: underline;
}
@media (max-width: 767px) {
  #footer .copyright {
    flex-direction: column;
    text-align: center !important;
    justify-content: center;
  }
}
#footer .credits { color: #94a3b8; }
#footer .credits a { color: var(--sa-gold); }

/* --------------------------------------------------------------------------
   12. Floating action buttons
   -------------------------------------------------------------------------- */


/* --------------------------------------------------------------------------
   Social icons - Facebook / Instagram / WhatsApp (inline SVG, brand colours)
   -------------------------------------------------------------------------- */
.sm-links { display: inline-flex; align-items: center; gap: 8px; vertical-align: middle; margin-left: 10px; }
.sm-icon {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: #fff !important;
  line-height: 1;
  box-shadow: 0 3px 10px rgba(0, 0, 0, 0.25);
  transition: transform 0.25s cubic-bezier(0.165, 0.84, 0.44, 1), box-shadow 0.25s ease;
}
.sm-icon svg { width: 16px; height: 16px; fill: currentColor; display: block; }
.sm-icon:hover { transform: translateY(-3px) scale(1.08); box-shadow: 0 8px 18px rgba(0, 0, 0, 0.35); color: #fff !important; }
.sm-facebook { background: #1877f2; }
.sm-instagram { background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285aeb 90%); }
.sm-whatsapp { background: #25d366; }
.sm-facebook:hover { background: #0f63cf; }
.sm-whatsapp:hover { background: #1ebe5a; }

/* small WhatsApp glyph next to phone numbers / contact links */
.sm-wa-inline { width: 15px; height: 15px; fill: #25d366; vertical-align: -2px; margin-right: 5px; }
.contact .info-box .whatsapplogo .sm-wa-inline { width: 20px; height: 20px; vertical-align: -4px; }
.sm-wa-info svg { width: 22px; height: 22px; fill: #25d366; }

/* topbar */
#topbar .contact-info.float-right { display: flex; align-items: center; }
#topbar .sm-links { margin-left: 14px; }
#topbar .sm-icon { width: 26px; height: 26px; box-shadow: none; }
#topbar .sm-icon svg { width: 13px; height: 13px; }

/* footer */
#footer .footer-top .social-links { display: flex; }
#footer .footer-top .social-links .sm-links { margin-left: 0; gap: 12px; }
#footer .footer-top .social-links .sm-icon {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: 40px;
  height: 40px;
  padding: 0 !important;
  margin: 0 !important;
  color: #fff !important;
  border: 2px solid rgba(255, 255, 255, 0.22);
}
#footer .footer-top .social-links .sm-icon svg { width: 19px; height: 19px; margin: 0; }
#footer .footer-top .social-links .sm-facebook { background: #1877f2 !important; }
#footer .footer-top .social-links .sm-instagram { background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285aeb 90%) !important; }
#footer .footer-top .social-links .sm-whatsapp { background: #25d366 !important; }
#footer .footer-top .social-links .sm-icon:hover { color: #fff !important; transform: translateY(-3px) scale(1.08); }

/* Hide legacy floating widgets */
.cp-widget-button,
.cp-widget-button1,
#whats-chat {
  display: none !important;
}

/* --------------------------------------------------------------------------
   Always-Visible Floating Social Media Dock (Round Circle Buttons)
   Stays fixed on the right side whether scrolling up or down
   -------------------------------------------------------------------------- */
.sa-floating-social-dock {
  position: fixed !important;
  right: 18px !important;
  top: 50% !important;
  transform: translateY(-50%) !important;
  z-index: 99999999 !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 12px !important;
  align-items: center !important;
}

.sa-dock-item {
  width: 48px !important;
  height: 48px !important;
  border-radius: 50% !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  color: #ffffff !important;
  text-decoration: none !important;
  box-shadow: 0 6px 18px rgba(7, 21, 38, 0.3) !important;
  transition: all 0.25s cubic-bezier(0.34, 1.56, 0.64, 1) !important;
  position: relative !important;
  cursor: pointer !important;
  border: 2.5px solid #ffffff !important;
  padding: 0 !important;
  margin: 0 !important;
  box-sizing: border-box !important;
}

.sa-dock-item svg {
  width: 22px !important;
  height: 22px !important;
  fill: currentColor !important;
  display: block !important;
}

.sa-dock-item:hover {
  transform: scale(1.18) !important;
  box-shadow: 0 10px 25px rgba(7, 21, 38, 0.45) !important;
  border-color: var(--sa-gold) !important;
  color: #ffffff !important;
}

/* Hover Tooltip */
.sa-dock-item .dock-tooltip {
  position: absolute;
  right: 60px;
  top: 50%;
  transform: translateY(-50%);
  background: var(--sa-navy-dark);
  border: 1px solid var(--sa-gold);
  color: #ffffff;
  font-family: var(--sa-font-heading);
  font-size: 12px;
  font-weight: 700;
  white-space: nowrap;
  padding: 5px 12px;
  border-radius: 6px;
  pointer-events: none;
  opacity: 0;
  visibility: hidden;
  transition: all 0.2s ease;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.3);
}

.sa-dock-item .dock-tooltip::after {
  content: '';
  position: absolute;
  right: -5px;
  top: 50%;
  transform: translateY(-50%);
  border-width: 5px 0 5px 5px;
  border-style: solid;
  border-color: transparent transparent transparent var(--sa-navy-dark);
}

.sa-dock-item:hover .dock-tooltip {
  opacity: 1;
  visibility: visible;
  right: 64px;
}

/* Dock Brand Colors */
.dock-wa { background: #25d366 !important; }
.dock-call { background: var(--sa-gold) !important; }
.dock-fb { background: #1877f2 !important; }
.dock-insta {
  background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285aeb 90%) !important;
}
.dock-yt { background: #ff0000 !important; }
.dock-enquiry {
  background: var(--sa-navy-dark) !important;
  border-color: var(--sa-gold) !important;
  color: var(--sa-gold) !important;
  animation: dypisPulse 2s infinite !important;
}
.dock-enquiry:hover {
  background: var(--sa-gold) !important;
  border-color: #ffffff !important;
  color: var(--sa-navy-dark) !important;
}

@keyframes dypisPulse {
  0% { box-shadow: 0 0 0 0 rgba(197, 155, 39, 0.7); }
  70% { box-shadow: 0 0 0 12px rgba(197, 155, 39, 0); }
  100% { box-shadow: 0 0 0 0 rgba(197, 155, 39, 0); }
}

@media (max-width: 767px) {
  .sa-floating-social-dock {
    top: auto !important;
    bottom: 15px !important;
    right: 12px !important;
    transform: none !important;
    gap: 8px !important;
  }
  .sa-dock-item {
    width: 44px !important;
    height: 44px !important;
  }
  .sa-dock-item svg {
    width: 19px !important;
    height: 19px !important;
  }
  .sa-dock-item .dock-tooltip {
    display: none !important;
  }
}

/* --------------------------------------------------------------------------
   13. Responsive polish
   -------------------------------------------------------------------------- */
@media (max-width: 991px) {
  section { padding: 50px 0; }
  .section-title h2 { font-size: 26px; }
  #header > .container:first-child {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    padding-right: 48px;
  }
  #header .logo { float: none !important; flex-shrink: 0; }
  #header .logo img { max-height: 54px; }
  #header .bossimg,
  .bossimg {
    display: flex !important;
    justify-content: flex-end;
    max-width: none;
  }
  .sa-brand-banner {
    padding: 7px 13px;
    gap: 10px;
    border-radius: 11px;
  }
  .sa-brand-emblem {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 8px;
  }
  .sa-brand-emblem svg { width: 18px; height: 18px; }
  .sa-brand-kicker { font-size: 8px; letter-spacing: 0.6px; margin-bottom: 2px; }
  .sa-brand-name { font-size: 13.5px; }
  .sa-brand-tagline { font-size: 11px; gap: 5px; }
  .sa-brand-highlight { font-size: 10.5px; padding: 2px 8px; }
  .nav-menu > ul > li > a[href="contact.html"] { margin-left: 0; }
}

@media (max-width: 768px) {
  #hero h2 { font-size: 28px; }
  #hero p { font-size: 15px; width: 90%; }
  .bluebox .section-title { padding: 34px 16px 38px; }
  .bluebox .section-title h2 { font-size: 21px; }
  .about .about-content { padding: 24px; }
}

@media (max-width: 575px) {
  .sa-brand-emblem { display: none; }
  .sa-brand-kicker { display: none; }
  .sa-brand-banner { padding: 6px 10px; }
  .sa-brand-name { font-size: 11.5px; }
  .sa-brand-tagline { font-size: 10px; }
  .sa-brand-highlight { font-size: 9.5px; padding: 1.5px 6px; }
}

/* --------------------------------------------------------------------------
   14. Instant Requirement / Enquiry Popup Modal (Shows on Every Load/Refresh)
   -------------------------------------------------------------------------- */
.sa-req-popup-overlay {
  position: fixed;
  inset: 0;
  z-index: 999999;
  background: rgba(7, 21, 38, 0.78);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.28s ease, visibility 0.28s ease;
}

.sa-req-popup-overlay.is-open {
  opacity: 1;
  visibility: visible;
}

.sa-req-popup-modal {
  width: 100%;
  max-width: 610px;
  max-height: 92vh;
  overflow-y: auto;
  background: #ffffff;
  border-radius: 20px;
  border: 2px solid var(--sa-gold);
  box-shadow: 0 26px 70px rgba(7, 21, 38, 0.55), 0 0 0 1px rgba(197, 155, 39, 0.35);
  transform: translateY(18px) scale(0.96);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  font-family: var(--sa-font-main);
}

.sa-req-popup-overlay.is-open .sa-req-popup-modal {
  transform: translateY(0) scale(1);
}

/* Top Navy & Gold Header */
.sa-req-popup-header {
  background: var(--sa-navy-gradient);
  border-bottom: 3px solid var(--sa-gold);
  padding: 20px 24px 18px;
  position: relative;
  color: #ffffff;
}

.sa-req-popup-close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1.5px solid rgba(197, 155, 39, 0.65);
  background: rgba(7, 21, 38, 0.65);
  color: var(--sa-gold);
  font-size: 20px;
  font-weight: 700;
  line-height: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
}
.sa-req-popup-close:hover {
  background: var(--sa-gold);
  color: var(--sa-navy-dark);
  transform: rotate(90deg);
}

.sa-req-header-top {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-right: 36px;
}

.sa-req-header-badge {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: 13px;
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(197, 155, 39, 0.4);
}
.sa-req-header-badge svg {
  width: 26px;
  height: 26px;
  fill: var(--sa-navy-dark);
}

.sa-req-kicker {
  display: inline-block;
  font-family: var(--sa-font-heading);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 1.1px;
  text-transform: uppercase;
  color: var(--sa-gold);
  margin-bottom: 3px;
}

.sa-req-header-top h3 {
  font-family: var(--sa-font-heading);
  font-size: 20px;
  font-weight: 800;
  color: #ffffff;
  margin: 0 0 3px;
  line-height: 1.25;
}

.sa-req-header-top p {
  font-size: 13px;
  color: #cbd5e1;
  margin: 0;
  line-height: 1.4;
}

/* Body */
.sa-req-popup-body {
  padding: 20px 24px 22px;
}

.sa-req-chips-label {
  font-family: var(--sa-font-heading);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--sa-navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 9px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.sa-req-chips-label span {
  font-size: 11.5px;
  color: var(--sa-gold-dark);
  font-weight: 600;
  text-transform: none;
}

.sa-req-chips {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 16px;
}

.sa-req-chip {
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  padding: 8px 10px;
  font-family: var(--sa-font-heading);
  font-size: 12px;
  font-weight: 700;
  color: var(--sa-navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 7px;
  text-align: left;
  transition: all 0.2s ease;
}
.sa-req-chip svg {
  width: 16px;
  height: 16px;
  fill: var(--sa-gold-dark);
  flex-shrink: 0;
}
.sa-req-chip:hover {
  border-color: var(--sa-gold);
  background: var(--sa-gold-light);
}
.sa-req-chip.active {
  background: var(--sa-navy-gradient);
  color: #ffffff;
  border-color: var(--sa-gold);
  box-shadow: 0 4px 12px rgba(13, 34, 56, 0.2);
}
.sa-req-chip.active svg {
  fill: var(--sa-gold);
}

/* Form Grid */
.sa-req-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}

.sa-req-field {
  margin-bottom: 12px;
}
.sa-req-row .sa-req-field {
  margin-bottom: 0;
}

.sa-req-field label {
  display: block;
  font-family: var(--sa-font-heading);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--sa-navy);
  margin-bottom: 5px;
}
.sa-req-field label .req-star {
  color: #dc2626;
}

.sa-req-input,
.sa-req-select,
.sa-req-textarea {
  width: 100%;
  border: 1.5px solid #cbd5e1;
  border-radius: 10px;
  padding: 9px 13px;
  font-size: 13.5px;
  color: var(--sa-navy-dark);
  background: #ffffff;
  transition: all 0.2s ease;
  font-family: var(--sa-font-main);
}
.sa-req-input:focus,
.sa-req-select:focus,
.sa-req-textarea:focus {
  border-color: var(--sa-gold);
  box-shadow: 0 0 0 3px rgba(197, 155, 39, 0.2);
  outline: none;
}
.sa-req-textarea {
  resize: none;
  height: 68px;
}

/* Action Buttons */
.sa-req-actions {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 10px;
  margin-top: 14px;
}

.sa-req-submit-btn {
  background: var(--sa-gold-gradient);
  color: var(--sa-navy-dark);
  border: 0;
  border-radius: 50px;
  padding: 11px 18px;
  font-family: var(--sa-font-heading);
  font-size: 13.5px;
  font-weight: 800;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  box-shadow: 0 6px 18px rgba(197, 155, 39, 0.4);
  transition: all 0.25s ease;
}
.sa-req-submit-btn svg {
  width: 17px;
  height: 17px;
  fill: var(--sa-navy-dark);
}
.sa-req-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(197, 155, 39, 0.55);
}

.sa-req-wa-btn {
  background: #25d366;
  color: #ffffff !important;
  border: 0;
  border-radius: 50px;
  padding: 11px 16px;
  font-family: var(--sa-font-heading);
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  box-shadow: 0 6px 18px rgba(37, 211, 102, 0.32);
  transition: all 0.25s ease;
  text-decoration: none !important;
}
.sa-req-wa-btn svg {
  width: 17px;
  height: 17px;
  fill: #ffffff;
}
.sa-req-wa-btn:hover {
  background: #1ebe5a;
  transform: translateY(-2px);
}

.sa-req-success {
  display: none;
  margin-top: 12px;
  background: #ecfdf5;
  border: 1.5px solid #10b981;
  color: #065f46;
  padding: 10px 14px;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 600;
  text-align: center;
}

/* Footer strip inside modal */
.sa-req-popup-footer {
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px dashed #cbd5e1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 12.5px;
  color: var(--sa-text-muted);
}
.sa-req-call-direct {
  font-family: var(--sa-font-heading);
  font-weight: 700;
  color: var(--sa-navy);
}
.sa-req-call-direct a {
  color: var(--sa-gold-dark);
  font-weight: 800;
}
.sa-req-skip-btn {
  background: none;
  border: 0;
  color: #64748b;
  font-size: 12px;
  font-weight: 600;
  text-decoration: underline;
  cursor: pointer;
  padding: 0;
}
.sa-req-skip-btn:hover {
  color: var(--sa-navy);
}

@media (max-width: 640px) {
  .sa-req-chips {
    grid-template-columns: repeat(2, 1fr);
  }
  .sa-req-row,
  .sa-req-actions {
    grid-template-columns: 1fr;
  }
  .sa-req-popup-header {
    padding: 16px 18px 14px;
  }
  .sa-req-popup-body {
    padding: 16px 18px 18px;
  }
  .sa-req-header-top h3 {
    font-size: 17px;
  }
}

/* --------------------------------------------------------------------------
   15. LIC Premium & Maturity Return Calculator (#lic-calculator)
   -------------------------------------------------------------------------- */
#lic-calculator {
  padding: 0;
  margin: 0;
  border: 0;
  height: 0;
  overflow: hidden;
}

#lic-calculator .emi-main-card {
  border-radius: 20px !important;
  border: 1px solid rgba(197, 155, 39, 0.32) !important;
  border-top: 5px solid var(--sa-gold) !important;
  box-shadow: 0 24px 60px rgba(7, 21, 38, 0.1) !important;
  background: #ffffff;
}

#lic-calculator .emi-input-group .form-control {
  padding-left: 58px;
  height: 46px;
  font-family: var(--sa-font-heading);
  font-weight: 700;
  font-size: 16px;
  color: var(--sa-navy-dark);
  border-radius: 10px;
  border: 1.5px solid #cbd5e1;
  background: #ffffff;
}

body #lic-calculator .emi-result {
  background: var(--sa-navy-gradient) !important;
  border: 2px solid var(--sa-gold) !important;
  border-radius: 18px !important;
  color: #e2e8f0;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 18px 40px rgba(7, 21, 38, 0.25);
  height: 100%;
}

.lic-plan-tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 22px;
}

.lic-plan-tab {
  background: #f8fafc;
  border: 1.5px solid #cbd5e1;
  border-radius: 12px;
  padding: 10px 12px;
  text-align: left;
  cursor: pointer;
  transition: all 0.22s ease;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.lic-plan-tab strong {
  font-family: var(--sa-font-heading);
  font-size: 13px;
  font-weight: 800;
  color: var(--sa-navy);
}
.lic-plan-tab small {
  font-size: 11px;
  color: var(--sa-text-muted);
}
.lic-plan-tab:hover {
  border-color: var(--sa-gold);
  background: var(--sa-gold-light);
}
.lic-plan-tab.active {
  background: var(--sa-navy-gradient);
  border-color: var(--sa-gold);
  box-shadow: 0 8px 20px rgba(13, 34, 56, 0.22);
}
.lic-plan-tab.active strong {
  color: var(--sa-gold);
}
.lic-plan-tab.active small {
  color: #e2e8f0;
}

.lic-mode-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-bottom: 14px;
}
.lic-mode-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(197, 155, 39, 0.3);
  border-radius: 10px;
  padding: 8px 11px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.lic-mode-box span {
  font-size: 11.5px;
  color: #cbd5e1;
}
.lic-mode-box strong {
  font-family: var(--sa-font-heading);
  font-size: 13.5px;
  color: var(--sa-gold);
}

.lic-tax-badge {
  background: rgba(16, 185, 129, 0.14);
  border: 1px solid rgba(16, 185, 129, 0.45);
  color: #6ee7b7;
  font-size: 11.5px;
  font-weight: 700;
  padding: 7px 12px;
  border-radius: 8px;
  text-align: center;
  margin-bottom: 14px;
}

@media (max-width: 991px) {
  .lic-plan-tabs {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 575px) {
  .lic-plan-tabs,
  .lic-mode-grid {
    grid-template-columns: 1fr;
  }
}

/* Unified 2-in-1 Calculator Hub Switcher Tabs */
.sa-calc-hub-switcher {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  background: #f1f5f9;
  border: 1.5px solid #cbd5e1;
  padding: 8px;
  border-radius: 16px;
  margin-bottom: 24px;
}

.sa-calc-hub-tab {
  background: #ffffff;
  border: 2px solid transparent;
  border-radius: 12px;
  padding: 14px 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  cursor: pointer;
  transition: all 0.25s ease;
  text-align: left;
  box-shadow: 0 2px 8px rgba(7, 21, 38, 0.05);
}

.sa-calc-hub-tab-icon {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 11px;
  background: var(--sa-gold-light);
  border: 1px solid rgba(197, 155, 39, 0.45);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: all 0.25s ease;
}

.sa-calc-hub-tab-icon svg {
  width: 22px;
  height: 22px;
  fill: var(--sa-navy);
}

.sa-calc-hub-tab-text strong {
  display: block;
  font-family: var(--sa-font-heading);
  font-size: 16px;
  font-weight: 800;
  color: var(--sa-navy);
  line-height: 1.25;
}

.sa-calc-hub-tab-text small {
  display: block;
  font-size: 12px;
  color: var(--sa-text-muted);
  margin-top: 2px;
}

.sa-calc-hub-tab:hover {
  border-color: var(--sa-gold);
}

.sa-calc-hub-tab.active {
  background: var(--sa-navy-gradient);
  border-color: var(--sa-gold);
  box-shadow: 0 10px 26px rgba(7, 21, 38, 0.25);
}

.sa-calc-hub-tab.active .sa-calc-hub-tab-icon {
  background: var(--sa-gold-gradient);
  border-color: #ffffff;
}

.sa-calc-hub-tab.active .sa-calc-hub-tab-icon svg {
  fill: var(--sa-navy-dark);
}

.sa-calc-hub-tab.active .sa-calc-hub-tab-text strong {
  color: var(--sa-gold);
}

.sa-calc-hub-tab.active .sa-calc-hub-tab-text small {
  color: #e2e8f0;
}

.sa-calc-pane {
  display: none;
}

.sa-calc-pane.active {
  display: block;
  animation: saCalcFadeIn 0.28s ease;
}

@keyframes saCalcFadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 767px) {
  html, body {
    overflow-x: hidden !important;
    max-width: 100%;
  }
  .mobile-nav-toggle {
    top: 14px !important;
    right: 12px !important;
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: var(--sa-navy-dark) !important;
    border: 1.5px solid var(--sa-gold) !important;
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 14px rgba(7, 21, 38, 0.3);
  }
  .mobile-nav-toggle i {
    color: var(--sa-gold) !important;
    font-size: 22px;
  }
  #hero,
  #hero .carousel-item {
    height: 440px !important;
    min-height: 400px;
    background-position: center center !important;
  }
  #hero .carousel-container {
    padding: 0 18px;
  }
  #hero .carousel-content {
    text-align: center;
  }
  #hero h2 {
    font-size: 24px !important;
    padding-bottom: 14px;
    margin-bottom: 12px;
  }
  #hero h2::after {
    left: 50%;
    margin-left: -42px;
  }
  #hero p {
    font-size: 14px !important;
    width: 100% !important;
    margin-bottom: 14px;
  }
  #hero .btn-get-started,
  #hero .btn-get-started.sa-hero-lic-btn,
  #hero .btn-get-started.sa-hero-emi-btn {
    display: block !important;
    width: 100%;
    max-width: 280px;
    margin: 7px auto !important;
    padding: 11px 16px !important;
    font-size: 12.5px !important;
    text-align: center;
  }
  .sa-bluebox-actions a {
    padding: 11px 18px !important;
    font-size: 12.5px !important;
    width: 100%;
    max-width: 310px;
    text-align: center;
  }
  #emi-calculator .card-body {
    padding: 18px 14px !important;
  }
  .emi-field-card {
    padding: 12px 13px !important;
  }
  .emi-field-logo {
    width: 36px;
    height: 36px;
    min-width: 36px;
  }
  #emi-calculator .emi-result {
    margin-top: 20px;
    padding: 20px 16px !important;
  }
  .sa-calc-hub-switcher {
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 6px;
  }
  .sa-calc-hub-tab {
    padding: 11px 14px;
    justify-content: flex-start;
  }
  .sa-calc-hub-tab-text strong {
    font-size: 14px;
  }
  .sa-calc-hub-tab-text small {
    font-size: 11px;
  }
  .lic-plan-tabs {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 8px;
  }
  .lic-plan-tab {
    padding: 8px 10px;
  }
  .lic-plan-tab strong {
    font-size: 12px;
  }
  .lic-plan-tab small {
    font-size: 10px;
  }
  .emi-hero-text strong {
    font-size: 22px !important;
  }
  .back-to-top {
    left: 12px !important;
    right: auto !important;
    bottom: 15px !important;
  }
}

/* --------------------------------------------------------------------------
   16. Home Page Auto-Moving Real Client Showcase Marquee Section
   -------------------------------------------------------------------------- */
.sa-client-marquee-section {
  background: var(--sa-navy-gradient);
  border-top: 3px solid var(--sa-gold);
  border-bottom: 3px solid var(--sa-gold);
  padding: 46px 0;
  overflow: hidden;
  color: #ffffff;
}
.sa-client-marquee-section .section-title {
  padding-bottom: 26px;
}
.sa-client-marquee-section .section-title h2 {
  color: #ffffff;
}
.sa-client-marquee-section .section-title p {
  color: #cbd5e1;
}

.sa-client-track-wrap {
  width: 100%;
  overflow: hidden;
  position: relative;
}
.sa-client-track {
  display: flex;
  gap: 20px;
  width: max-content;
  animation: saClientMarquee 28s linear infinite;
}
.sa-client-track:hover {
  animation-play-state: paused;
}

@keyframes saClientMarquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.sa-client-card {
  width: 370px;
  background: rgba(255, 255, 255, 0.06);
  border: 1.5px solid rgba(197, 155, 39, 0.45);
  border-radius: 16px;
  padding: 16px;
  display: flex;
  align-items: center;
  gap: 14px;
  backdrop-filter: blur(6px);
}
.sa-client-card-img {
  width: 86px;
  height: 78px;
  min-width: 86px;
  border-radius: 12px;
  overflow: hidden;
  border: 2px solid var(--sa-gold);
  background: linear-gradient(180deg, #fffdf7 0%, #f3e5b5 100%);
  display: flex;
  align-items: flex-end;
  justify-content: center;
}
.sa-client-card-img img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: bottom center;
}
.sa-client-card-body span.sa-cc-tag {
  display: inline-block;
  background: rgba(34, 197, 94, 0.18);
  border: 1px solid rgba(34, 197, 94, 0.5);
  color: #86efac;
  font-size: 10.5px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 50px;
  margin-bottom: 4px;
}
.sa-client-card-body h4 {
  font-family: var(--sa-font-heading);
  font-size: 15px;
  font-weight: 800;
  color: #ffffff;
  margin: 0 0 3px;
}
.sa-client-card-body strong {
  display: block;
  font-size: 14px;
  color: var(--sa-gold);
  margin-bottom: 3px;
}
.sa-client-card-body p {
  font-size: 12px;
  color: #cbd5e1;
  margin: 0;
  line-height: 1.4;
}

@media (max-width: 767px) {
  .sa-floating-client-widget {
    left: 10px;
    bottom: 12px;
    width: 290px;
    padding: 10px 12px;
  }
  .sa-fcw-thumb {
    width: 60px;
    height: 54px;
    min-width: 60px;
  }
  .sa-client-card {
    width: 310px;
  }
}