:root {
      --gold: #C9933A;
      --gold-light: #E8B455;
      --gold-dark: #9A6E25;
      --gold-pale: #FBF6EB;
      --gold-pale2: #F3E9D2;
      --navy: #0F1E3D;
      --navy-mid: #1A2F58;
      --navy-light: #243870;
      --slate: #1C2840;
      --white: #FFFFFF;
      --off-white: #F8F7F4;
      --text-body: #2E3040;
      --text-muted: #6B7080;
      --border: #E4DFD2;
      --border-dark: #CEC4A6;
      --font-head: 'Cormorant Garamond', Georgia, serif;
      --font-body: 'DM Sans', sans-serif;
      --radius: 12px;
      --radius-lg: 18px;
      --shadow-sm: 0 2px 14px rgba(15,30,61,.07);
      --shadow-md: 0 8px 36px rgba(15,30,61,.13);
      --shadow-gold: 0 6px 28px rgba(201,147,58,.28);
      --transition: .22s cubic-bezier(.4,0,.2,1);
    }

    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth}
    body{font-family:var(--font-body);color:var(--text-body);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
    h1,h2,h3,h4,h5,h6{font-family:var(--font-head)}
    a{color:var(--gold);text-decoration:none;transition:color var(--transition)}
    a:hover{color:var(--gold-dark)}
    img{display:block;max-width:100%}
    .text-gold{color:var(--gold)!important}
    .text-navy{color:var(--navy)!important}
    .bg-navy{background:var(--navy)!important}
    .bg-gold-pale{background:var(--gold-pale)!important}
    .fw-500{font-weight:500}.fw-600{font-weight:600}.fw-700{font-weight:700}
    .py-section{padding-top:5rem;padding-bottom:5rem}

    /* TOP BAR */
    .topbar{background:var(--navy);color:rgba(255,255,255,.7);font-size:.775rem;padding:.5rem 0;font-family:var(--font-body);letter-spacing:.01em}
    .topbar a{color:rgba(255,255,255,.7)}.topbar a:hover{color:var(--gold-light)}
    .topbar .sep{color:rgba(255,255,255,.2);margin:0 .5rem}

    /* NAVBAR */
    /* .main-navbar{background:var(--white);border-bottom:1px solid var(--border);padding:.8rem 0;z-index:1040;transition:box-shadow var(--transition),padding var(--transition)}
    .main-navbar.scrolled{box-shadow:var(--shadow-md);padding:.55rem 0}
    .logo-wrap{display:flex;align-items:center;gap:.6rem;text-decoration:none!important}
    .logo-img{height:52px;width:auto;flex-shrink:0}
    .logo-text-wrap{display:flex;flex-direction:column;line-height:1}
    .logo-brand{font-family:var(--font-head);font-size:1.35rem;font-weight:700;color:var(--navy);letter-spacing:.01em}
    .logo-brand span{color:var(--gold)}
    .logo-tagline{font-family:var(--font-body);font-size:.5rem;font-weight:700;color:var(--text-muted);letter-spacing:.18em;text-transform:uppercase;margin-top:4px}
    .main-navbar .nav-link{font-family:var(--font-body);font-size:.84rem;font-weight:500;color:var(--text-body)!important;padding:.4rem .8rem!important;border-radius:8px;transition:background var(--transition),color var(--transition)}
    .main-navbar .nav-link:hover,.main-navbar .nav-link.active{background:var(--gold-pale);color:var(--gold-dark)!important}
    .main-navbar .dropdown-menu{border:1px solid var(--border);border-radius:12px;padding:.5rem;box-shadow:var(--shadow-md);min-width:195px}
    .main-navbar .dropdown-item{border-radius:8px;font-size:.84rem;font-weight:500;padding:.5rem .875rem;color:var(--text-body);transition:background var(--transition);background:transparent!important}
    .main-navbar .dropdown-item:hover,.main-navbar .dropdown-item:focus,.main-navbar .dropdown-item:active,.main-navbar .dropdown-item.active{color:var(--gold-dark)!important}
    .btn-nav-cta{background:var(--gold);color:var(--navy)!important;font-weight:700;font-size:.84rem;border:none;border-radius:10px;padding:.5rem 1.25rem;transition:background var(--transition),transform var(--transition),box-shadow var(--transition);box-shadow:var(--shadow-gold);font-family:var(--font-body);white-space:nowrap}
    .btn-nav-cta:hover{background:var(--gold-dark);transform:translateY(-1px);color:var(--white)!important}
    .navbar-social{display:flex;align-items:center;gap:.4rem;margin-left:.5rem}
    .nav-social-btn{width:30px;height:30px;border-radius:7px;background:var(--gold-pale);border:1px solid var(--border-dark);color:var(--gold-dark);display:flex;align-items:center;justify-content:center;font-size:.72rem;transition:all var(--transition);flex-shrink:0}
    .nav-social-btn:hover{background:var(--gold);color:var(--navy);border-color:var(--gold);transform:translateY(-1px)}
    .navbar-toggler{border:2px solid var(--border-dark);border-radius:8px;padding:.35rem .55rem;background:transparent}
    .navbar-toggler:focus{box-shadow:none}
    .navbar-toggler-icon{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='%230F1E3D' stroke-linecap='round' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E")} */

    /* NAVBAR */
  .main-navbar{background:var(--white);border-bottom:1px solid var(--border);padding:.8rem 0;z-index:1040;transition:box-shadow var(--transition),padding var(--transition)}
  .main-navbar.scrolled{box-shadow:var(--shadow-md);padding:.55rem 0}
  .logo-wrap{display:flex;align-items:center;gap:.6rem;text-decoration:none!important}
  .logo-img{height:52px;width:auto;flex-shrink:0}
  .logo-text-wrap{display:flex;flex-direction:column;line-height:1}
  .logo-brand{font-family:var(--font-head);font-size:1.35rem;font-weight:700;color:var(--navy);letter-spacing:.01em}
  .logo-brand span{color:var(--gold)}
  .logo-tagline{font-family:var(--font-body);font-size:.5rem;font-weight:700;color:var(--text-muted);letter-spacing:.18em;text-transform:uppercase;margin-top:4px}
  .main-navbar .nav-link{font-family:var(--font-body);font-size:.84rem;font-weight:500;color:var(--text-body)!important;padding:.4rem .75rem!important;border-radius:8px;transition:background var(--transition),color var(--transition)}
  .main-navbar .nav-link:hover,.main-navbar .nav-link.active{background:var(--gold-pale);color:var(--gold-dark)!important}
  .main-navbar .dropdown-menu{border:1px solid var(--border);border-radius:12px;padding:.5rem;box-shadow:var(--shadow-md);min-width:195px}
  .main-navbar .dropdown-item{border-radius:8px;font-size:.84rem;font-weight:500;padding:.5rem .875rem;color:var(--text-body);transition:background var(--transition);background:transparent!important}
  .main-navbar .dropdown-item:hover,.main-navbar .dropdown-item:focus,.main-navbar .dropdown-item:active,.main-navbar .dropdown-item.active{color:var(--gold-dark)!important}
  .navbar-toggler{border:2px solid var(--border-dark);border-radius:8px;padding:.35rem .55rem;background:transparent}
  .navbar-toggler:focus{box-shadow:none}
  .navbar-toggler-icon{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='%230F1E3D' stroke-linecap='round' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E")}

  /* Navbar right actions: phone + book button */
  .navbar-right-actions{display:flex;align-items:center;gap:.75rem;flex-shrink:0}

  .btn-nav-phone{display:inline-flex;align-items:center;gap:.5rem;color:var(--navy);font-family:var(--font-body);font-size:.84rem;font-weight:600;text-decoration:none!important;transition:color var(--transition);white-space:nowrap}
  .btn-nav-phone:hover{color:var(--gold-dark)}
  .phone-icon-wrap{width:30px;height:30px;border-radius:50%;background:var(--gold-pale2);border:1px solid var(--border-dark);display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:.72rem;flex-shrink:0;animation:phonePulse 2.5s ease-in-out infinite}
  @keyframes phonePulse{0%,100%{box-shadow:0 0 0 0 rgba(201,147,58,.35)}50%{box-shadow:0 0 0 6px rgba(201,147,58,0)}}

  .btn-nav-book{display:inline-flex;align-items:center;background:var(--navy);color:var(--white)!important;font-weight:700;font-size:.84rem;border:none;border-radius:10px;padding:.5rem 1.25rem;transition:background var(--transition),transform var(--transition);font-family:var(--font-body);white-space:nowrap;text-decoration:none!important}
  .btn-nav-book:hover{background:var(--gold);color:var(--navy)!important;transform:translateY(-1px)}

  /* Keep old btn-nav-cta for mobile sm button */
  .btn-nav-cta{background:var(--gold);color:var(--navy)!important;font-weight:700;font-size:.84rem;border:none;border-radius:10px;padding:.5rem 1.25rem;transition:background var(--transition),transform var(--transition),box-shadow var(--transition);box-shadow:var(--shadow-gold);font-family:var(--font-body);white-space:nowrap;text-decoration:none!important;display:inline-flex;align-items:center}
  .btn-nav-cta:hover{background:var(--gold-dark);transform:translateY(-1px);color:var(--white)!important}

  /* Mobile phone button (sm screens) */
  .btn-nav-phone.d-sm-inline-flex{background:var(--gold-pale);border:1px solid var(--border-dark);border-radius:8px;padding:.38rem .75rem;font-size:.77rem}

  @media(max-width:991.98px){.navbar-right-actions{display:none}}

    /* ══ REDESIGNED MOBILE OFFCANVAS ══ */
    .offcanvas {
      max-width: 300px !important;
      background: var(--navy) !important;
      border-left: none !important;
    }

    .offcanvas-header {
      border-bottom: 1px solid rgba(255,255,255,.09) !important;
      padding: 1rem 1.2rem !important;
      background: rgba(0,0,0,.18);
    }

    .offcanvas-body {
      padding: 0 !important;
      overflow-y: auto;
      scrollbar-width: thin;
      scrollbar-color: rgba(201,147,58,.3) transparent;
    }

    .offcanvas .btn-close {
      filter: invert(1) opacity(.45);
    }
    .offcanvas .btn-close:hover {
      filter: invert(1) opacity(.8);
    }

    /* Logo in offcanvas */
    .mob-logo-brand {
      font-family: var(--font-head);
      font-size: 1.2rem;
      color: var(--white);
      font-weight: 700;
    }
    .mob-logo-brand span { color: var(--gold-light); }
    .mob-logo-tag {
      font-size: .48rem;
      font-weight: 700;
      letter-spacing: .16em;
      color: rgba(255,255,255,.28);
      text-transform: uppercase;
      margin-top: 2px;
      display: block;
    }

    /* Nav list */
    .mob-nav {
      list-style: none;
      margin: 0;
      padding: .4rem 0;
    }

    .mob-nav > li {
      border-bottom: 1px solid rgba(255,255,255,.045);
    }
    .mob-nav > li:last-child {
      border-bottom: none;
    }

    /* Top-level link/button */
    .mob-nav-link {
      display: flex;
      align-items: center;
      gap: .75rem;
      padding: .82rem 1.2rem;
      color: rgba(255,255,255,.8) !important;
      font-family: var(--font-body);
      font-size: .875rem;
      font-weight: 600;
      text-decoration: none !important;
      transition: background var(--transition), color var(--transition), padding-left var(--transition);
      cursor: pointer;
      background: transparent;
      border: none;
      width: 100%;
      text-align: left;
      letter-spacing: .01em;
      position: relative;
    }

    .mob-nav-link:hover {
      background: rgba(201,147,58,.1);
      color: var(--gold-light) !important;
    }

    .mob-nav-link.has-dropdown[aria-expanded="true"] {
      background: rgba(201,147,58,.12);
      color: var(--gold-light) !important;
    }

    /* Icon bubble */
    .mob-nav-icon {
      width: 30px;
      height: 30px;
      border-radius: 8px;
      background: rgba(255,255,255,.06);
      border: 1px solid rgba(255,255,255,.09);
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--gold);
      font-size: .7rem;
      flex-shrink: 0;
      transition: background var(--transition), color var(--transition);
    }

    .mob-nav-link:hover .mob-nav-icon,
    .mob-nav-link[aria-expanded="true"] .mob-nav-icon {
      background: rgba(201,147,58,.2);
      color: var(--gold-light);
    }

    .mob-nav-label {
      flex: 1;
    }

    /* Chevron */
    .mob-nav-arrow {
      color: rgba(255,255,255,.25);
      font-size: .6rem;
      flex-shrink: 0;
      transition: transform .25s ease, color .2s;
    }

    .mob-nav-link[aria-expanded="true"] .mob-nav-arrow {
      transform: rotate(180deg);
      color: var(--gold);
    }

    /* Dropdown panel */
    .mob-dropdown {
      background: rgba(0,0,0,.22);
      border-top: 1px solid rgba(255,255,255,.04);
      overflow: hidden;
    }

    .mob-dropdown-inner {
      padding: .4rem 0;
    }

    .mob-dropdown-item {
      display: flex;
      align-items: center;
      gap: .65rem;
      padding: .6rem 1.2rem .6rem 3.1rem;
      color: rgba(255,255,255,.52) !important;
      font-size: .815rem;
      font-weight: 500;
      text-decoration: none !important;
      transition: all var(--transition);
      position: relative;
      font-family: var(--font-body);
    }

    .mob-dropdown-item::before {
      content: '';
      position: absolute;
      left: 1.85rem;
      width: 4px;
      height: 4px;
      border-radius: 50%;
      background: rgba(201,147,58,.35);
      transition: background var(--transition);
    }

    .mob-dropdown-item:hover {
      color: var(--gold-light) !important;
      background: rgba(201,147,58,.07);
      padding-left: 3.3rem;
    }

    .mob-dropdown-item:hover::before {
      background: var(--gold);
    }

    /* Footer actions */
    .mob-nav-footer {
      padding: 1rem 1.2rem 1.4rem;
      border-top: 1px solid rgba(255,255,255,.06);
      margin-top: .4rem;
    }

    .mob-social {
      display: flex;
      justify-content: center;
      gap: .5rem;
      margin-top: .9rem;
    }

    .mob-social-btn {
      width: 34px;
      height: 34px;
      border-radius: 9px;
      background: rgba(255,255,255,.06);
      border: 1px solid rgba(255,255,255,.1);
      color: rgba(255,255,255,.45);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: .75rem;
      transition: all var(--transition);
      text-decoration: none !important;
    }

    .mob-social-btn:hover {
      background: var(--gold);
      color: var(--navy);
      border-color: var(--gold);
    }

    .mob-badge-strip {
      text-align: center;
      font-size: .68rem;
      color: rgba(255,255,255,.25);
      font-weight: 600;
      margin-top: .75rem;
      font-family: var(--font-body);
    }

    /* GLOBAL BUTTONS */
    .btn-gold{background:var(--gold);color:var(--navy);font-weight:700;border:none;border-radius:12px;transition:background var(--transition),transform var(--transition),box-shadow var(--transition);font-family:var(--font-body);box-shadow:var(--shadow-gold)}
    .btn-gold:hover{background:var(--gold-dark);color:var(--white);transform:translateY(-2px)}
    .btn-navy{background:var(--navy);color:var(--white);font-weight:700;border:none;border-radius:12px;transition:background var(--transition),transform var(--transition);font-family:var(--font-body)}
    .btn-navy:hover{background:var(--navy-mid);color:var(--white);transform:translateY(-2px)}
    .btn-outline-gold{background:transparent;color:var(--gold);border:2px solid var(--gold);font-weight:700;border-radius:12px;font-family:var(--font-body);transition:all var(--transition)}
    .btn-outline-gold:hover{background:var(--gold);color:var(--navy);transform:translateY(-2px)}
    .btn-outline-white{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.45);font-weight:600;border-radius:12px;font-family:var(--font-body);transition:all var(--transition)}
    .btn-outline-white:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.75);color:var(--white)}

    /* SECTION SHARED */
    .section-tag{display:inline-flex;align-items:center;gap:.4rem;background:var(--gold-pale2);color:var(--gold-dark);font-size:.68rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;padding:.32rem .9rem;border-radius:30px;margin-bottom:.9rem;border:1px solid var(--border-dark);font-family:var(--font-body)}
    .section-title{font-size:clamp(1.65rem,3.5vw,2.7rem);line-height:1.15;color:var(--navy);font-family:var(--font-head);margin-bottom:1rem;font-weight:600}
    .section-desc{color:var(--text-muted);max-width:560px;margin:0 auto;font-size:.9375rem;line-height:1.8}
    .gold-line{width:44px;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:4px;margin-bottom:1.5rem}

    /* HERO */
    .hero-carousel{position:relative;overflow:hidden}
    .hero-carousel .carousel-item img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
    .hero-carousel .carousel-item::after{content:'';position:absolute;inset:0;background:linear-gradient(160deg,rgba(10,20,45,.62) 0%,rgba(15,30,61,.38) 60%,rgba(10,20,45,.55) 100%)}
    .hero-carousel .carousel-indicators [data-bs-target]{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.5);border:none;margin:0 4px;transition:all .3s}
    .hero-carousel .carousel-indicators .active{background:var(--gold);width:24px;border-radius:4px}
    .hero-carousel .carousel-control-prev,.hero-carousel .carousel-control-next{width:48px;height:48px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:50%;top:50%;transform:translateY(-50%);bottom:auto;margin:0 1.25rem;opacity:.8;transition:all .3s}
    .hero-carousel .carousel-control-prev:hover,.hero-carousel .carousel-control-next:hover{background:var(--gold);opacity:1}
    .hero-carousel .carousel-control-prev-icon,.hero-carousel .carousel-control-next-icon{width:16px;height:16px}

    /* TRUST BAR */
    .trust-bar{background:var(--gold-pale);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
    .trust-item{display:flex;align-items:center;gap:.6rem;white-space:nowrap}
    .trust-icon{width:36px;height:36px;border-radius:10px;background:var(--white);border:1px solid var(--border-dark);display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:.9rem;flex-shrink:0;box-shadow:var(--shadow-sm)}
    .trust-label{font-size:.78rem;font-weight:700;color:var(--navy);line-height:1.3}
    .trust-sub{font-size:.67rem;color:var(--text-muted);font-weight:500}
    .trust-divider{width:1px;height:36px;background:var(--border-dark);flex-shrink:0}

    /* STATS */
    .stats-banner{background:linear-gradient(135deg,var(--navy-mid) 0%,var(--navy) 100%);position:relative;overflow:hidden}
    .stats-banner::after{content:'';position:absolute;top:-60px;right:-60px;width:280px;height:280px;background:radial-gradient(circle,rgba(201,147,58,.15) 0%,transparent 65%);border-radius:50%}
    .stat-item{position:relative;z-index:1}
    .stat-val{font-family:var(--font-head);font-size:clamp(1.9rem,3.5vw,2.6rem);font-weight:600;color:var(--gold-light);line-height:1}
    .stat-lbl{font-size:.74rem;font-weight:600;color:rgba(255,255,255,.55);letter-spacing:.04em;font-family:var(--font-body);margin-top:.35rem;white-space:nowrap}
    .stat-sep{width:1px;height:50px;background:rgba(255,255,255,.12);flex-shrink:0;align-self:center}

    /* SERVICES */
    .svc-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);overflow:hidden;height:100%;position:relative;transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);cursor:pointer}
    .svc-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--gold)}
    .svc-card-img{position:relative;overflow:hidden;height:200px}
    .svc-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
    .svc-card:hover .svc-card-img img{transform:scale(1.06)}
    .svc-card-img-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,30,61,0) 30%,rgba(15,30,61,.65) 100%)}
    .svc-img-label{position:absolute;bottom:.875rem;left:.875rem;background:rgba(255,255,255,.15);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.28rem .75rem;border-radius:20px;font-family:var(--font-body)}
    .svc-card-body{padding:1.25rem 1.25rem 1.5rem}
    .svc-card h5{font-family:var(--font-head);font-size:1.2rem;color:var(--navy);margin-bottom:.4rem;font-weight:600}
    .svc-card p{font-size:.855rem;color:var(--text-muted);margin-bottom:1rem;line-height:1.72}
    .svc-link{font-size:.82rem;font-weight:700;color:var(--gold-dark);display:inline-flex;align-items:center;gap:.35rem;transition:gap var(--transition),color var(--transition);font-family:var(--font-body);border-bottom:1.5px solid var(--gold-pale2);padding-bottom:.1rem}
    .svc-link:hover{gap:.6rem;color:var(--gold);border-color:var(--gold)}
    .btn-view-all{display:inline-flex;align-items:center;gap:.5rem;background:var(--white);color:var(--navy);border:2px solid var(--border-dark);border-radius:12px;padding:.65rem 1.5rem;font-size:.85rem;font-weight:700;font-family:var(--font-body);transition:all var(--transition);cursor:pointer}
    .btn-view-all:hover{border-color:var(--gold);color:var(--gold-dark);background:var(--gold-pale);transform:translateY(-1px)}
    .btn-view-all i{transition:transform var(--transition);font-size:.75rem}
    .btn-view-all.expanded i{transform:rotate(180deg)}

    /* WHY */
    .why-section{background:var(--off-white)}
    .why-img{border-radius:var(--radius-lg);overflow:hidden}
    .why-img img{width:100%;height:420px;object-fit:cover}
    .why-badge{position:absolute;bottom:24px;left:-20px;background:var(--white);border-radius:16px;padding:.9rem 1.1rem;box-shadow:var(--shadow-md);text-align:center;z-index:2;min-width:130px;animation:floatY 3s ease-in-out infinite}
    .feat-row{display:flex;gap:.875rem;align-items:flex-start;padding:.7rem;border-radius:12px;transition:background var(--transition)}
    .feat-row:hover{background:var(--gold-pale)}
    .feat-icon{width:42px;height:42px;flex-shrink:0;background:var(--gold-pale2);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:.95rem;color:var(--gold);border:1px solid var(--border-dark)}

    /* RAJIV */
    .rajiv-section{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);position:relative;overflow:hidden}
    .rajiv-section::before{content:'';position:absolute;top:-100px;right:-100px;width:420px;height:420px;background:radial-gradient(circle,rgba(201,147,58,.15) 0%,transparent 65%);border-radius:50%;pointer-events:none}
    .rajiv-img-frame{border-radius:var(--radius-lg);overflow:hidden;box-shadow:0 20px 50px rgba(0,0,0,.35)}
    .rajiv-img-frame img{width:100%;height:480px;object-fit:cover;object-position:top}
    .qual-badge{display:flex;align-items:center;gap:.6rem;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:.65rem .875rem;margin-bottom:.5rem;transition:background var(--transition)}
    .qual-badge:hover{background:rgba(255,255,255,.1)}
    .qual-icon{width:34px;height:34px;border-radius:8px;background:rgba(201,147,58,.2);display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-size:.85rem;flex-shrink:0}

    /* PROCESS */
    .process-section{background:#ffffff}
    .process-section .section-tag{background:var(--gold-pale2);border-color:var(--border-dark);color:var(--gold-dark)}
    .process-header{display:flex;align-items:flex-end;justify-content:space-between;flex-wrap:wrap;gap:1rem;margin-bottom:2.5rem}
    .process-left-title{font-family:var(--font-head);font-size:clamp(1.6rem,3vw,2.3rem);font-weight:600;color:var(--navy);line-height:1.2;margin:0}
    .process-left-title em{font-style:italic;color:var(--gold)}
    .process-header-desc{color:var(--text-muted);font-size:.875rem;line-height:1.75;max-width:440px;margin:0}
    .process-list{display:flex;flex-direction:column;position:relative}
    .process-list::before{content:'';position:absolute;left:19px;top:44px;bottom:24px;width:2px;background:linear-gradient(to bottom,var(--gold-pale2),transparent);border-radius:2px;z-index:0}
    .process-item{display:flex;gap:1rem;align-items:flex-start;padding:.9rem 0;border-bottom:1px solid var(--border);position:relative;z-index:1}
    .process-item:last-child{border-bottom:none;padding-bottom:0}
    .process-num{flex-shrink:0;width:38px;height:38px;border-radius:50%;background:var(--white);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-size:1rem;font-weight:700;color:var(--gold-dark);line-height:1;margin-top:.1rem;box-shadow:0 0 0 3px var(--gold-pale2)}
    .process-item-content h5{font-family:var(--font-body);font-size:.875rem;font-weight:700;color:var(--navy);margin-bottom:.2rem}
    .process-item-content p{font-size:.815rem;color:var(--text-muted);line-height:1.68;margin:0}

    /* TESTIMONIALS */
    .testi-section{background:var(--slate)}
    .testi-section .section-tag{background:rgba(201,147,58,.12);border-color:rgba(201,147,58,.25);color:var(--gold-light)}
    .testi-section .section-title{color:var(--white)}
    .testi-section .section-desc{color:rgba(255,255,255,.5)}
    .testi-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.09);border-radius:var(--radius);padding:1.5rem;transition:all var(--transition);height:100%}
    .testi-card:hover{background:rgba(255,255,255,.08);border-color:rgba(201,147,58,.28);transform:translateY(-4px)}
    .testi-stars{color:var(--gold-light);font-size:.85rem;margin-bottom:.75rem;letter-spacing:.1em}
    .testi-text{color:rgba(255,255,255,.78);font-size:.88rem;line-height:1.8;font-style:italic}
    .testi-avatar{width:42px;height:42px;border-radius:50%;border:2px solid rgba(201,147,58,.45);object-fit:cover;flex-shrink:0}
    .testi-name{color:var(--white);font-weight:700;font-size:.87rem}
    .testi-role{color:rgba(255,255,255,.4);font-size:.74rem}
    .carousel-nav-btn{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);color:rgba(255,255,255,.65);cursor:pointer;display:inline-flex;align-items:center;justify-content:center;transition:all var(--transition)}
    .carousel-nav-btn:hover{background:var(--gold);border-color:var(--gold);color:var(--navy)}

    /* LENDERS */
    .lender-section{background:var(--off-white);border-top:1px solid var(--border);border-bottom:1px solid var(--border);overflow:hidden}
    .lender-eyebrow{font-size:.68rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark);font-family:var(--font-body);display:flex;align-items:center;gap:.75rem}
    .lender-eyebrow::after{content:'';flex:0 0 40px;height:2px;background:var(--gold);border-radius:2px}
    .lender-headline{font-size:clamp(1.2rem,2.5vw,1.8rem);font-family:var(--font-head);color:var(--navy);font-weight:600;line-height:1.25;max-width:560px}
    .lender-slider-wrap{position:relative;overflow:hidden;mask-image:linear-gradient(90deg,transparent 0%,#000 8%,#000 92%,transparent 100%);-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 8%,#000 92%,transparent 100%)}
    .lender-track{display:flex;gap:1rem;width:max-content;animation:lenderScroll 30s linear infinite}
    .lender-track:hover{animation-play-state:paused}
    @keyframes lenderScroll{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
    .lender-logo-box{display:flex;align-items:center;justify-content:center;background:var(--white);border:1.5px solid var(--border);border-radius:10px;padding:.7rem 1.4rem;height:80px;flex-shrink:0;white-space:nowrap;transition:all var(--transition);min-width:120px}
    .lender-logo-box:hover{border-color:var(--gold);box-shadow:0 4px 18px rgba(201,147,58,.15);transform:translateY(-2px)}
    .lender-logo{max-width:100%;max-height:60px}

    /* CTA */
    .cta-section{background:var(--gold-pale)}
    .cta-card{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 60%,var(--navy-light) 100%);border-radius:var(--radius-lg);position:relative;overflow:hidden}
    .cta-card::before{content:'';position:absolute;top:-80px;right:-60px;width:360px;height:360px;background:radial-gradient(circle,rgba(201,147,58,.2) 0%,transparent 60%);border-radius:50%}
    .cta-title{font-size:clamp(1.5rem,3vw,2.5rem);color:var(--white);font-weight:600}
    .cta-sub{color:rgba(255,255,255,.72)}
    .free-badge{display:inline-block;background:rgba(201,147,58,.18);color:var(--gold-light);border:1px solid rgba(201,147,58,.3);border-radius:30px;padding:.4rem 1.1rem;font-size:.74rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;font-family:var(--font-body)}

    /* FAQ */
    .faq-section{background:var(--off-white)}
    .faq-accordion .accordion-item{border:1.5px solid var(--border)!important;border-radius:var(--radius)!important;overflow:hidden;margin-bottom:.6rem;background:var(--white)}
    .faq-accordion .accordion-button{font-family:var(--font-body);font-size:.9rem;font-weight:600;color:var(--navy);background:var(--white);box-shadow:none;padding:1rem 1.25rem}
    .faq-accordion .accordion-button:not(.collapsed){color:var(--gold-dark);background:var(--gold-pale);box-shadow:none}
    .faq-accordion .accordion-body{padding:.65rem 1.25rem 1.1rem;color:var(--text-muted);font-size:.875rem;line-height:1.78}

    /* CONTACT */
    .contact-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:2rem}
    .contact-card .form-control,.contact-card .form-select{border:1.5px solid var(--border);border-radius:10px;padding:.6rem .9rem;font-size:.875rem;font-family:var(--font-body);transition:border-color var(--transition),box-shadow var(--transition)}
    .contact-card .form-control:focus,.contact-card .form-select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,147,58,.14);outline:none}
    .contact-card label{font-weight:600;font-size:.77rem;color:var(--navy);margin-bottom:.3rem;font-family:var(--font-body)}
    .svc-check .form-check-input{display:none}
    .svc-check .form-check-label{cursor:pointer;background:var(--gold-pale);border:1.5px solid var(--border-dark);border-radius:30px;padding:.28rem .85rem;font-size:.74rem;font-weight:600;color:var(--gold-dark);font-family:var(--font-body);transition:all var(--transition)}
    .svc-check .form-check-input:checked+.form-check-label{background:var(--gold);color:var(--navy);border-color:var(--gold-dark)}

    /* FOOTER */
    .main-footer{background:var(--navy)}
    .footer-brand{font-family:var(--font-head);font-size:1.15rem;color:var(--white);font-weight:600}
    .footer-brand span{color:var(--gold-light)}
    .footer-desc{font-size:.85rem;color:rgba(255,255,255,.48);line-height:1.78}
    .footer-heading{font-family:var(--font-body);font-size:.7rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:1rem}
    .footer-links{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:.5rem}
    .footer-links a{font-size:.85rem;color:rgba(255,255,255,.5);transition:color var(--transition),padding-left var(--transition)}
    .footer-links a:hover{color:var(--gold-light);padding-left:4px}
    .footer-divider{border-color:rgba(255,255,255,.07);margin:0}
    .footer-bottom{font-size:.77rem;color:rgba(255,255,255,.28)}
    .footer-bottom a{color:rgba(255,255,255,.38)}
    .footer-bottom a:hover{color:var(--gold-light)}
    .social-btn{width:35px;height:35px;border-radius:9px;background:rgba(255,255,255,.07);color:rgba(255,255,255,.5);display:flex;align-items:center;justify-content:center;font-size:.82rem;transition:all var(--transition)}
    .social-btn:hover{background:var(--gold);color:var(--navy);transform:translateY(-2px)}
    .footer-accred{display:flex;flex-wrap:wrap;align-items:stretch;gap:.6rem;margin-top:.75rem}
    .footer-accred-logo{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:10px;display:flex;align-items:center;justify-content:center;min-width:80px;min-height:52px;flex:1 1 auto;max-width:140px;transition:background var(--transition),border-color var(--transition);overflow:hidden;position:relative}
    .footer-accred-logo:hover{background:rgba(255,255,255,.1);border-color:rgba(201,147,58,.4)}
    .footer-accred-logo img{height:50px;width:auto;max-width:130px;display:block;object-fit:contain;filter:brightness(1.1) saturate(0.7) contrast(1.1)}

    /* ANIMATIONS */
    .fade-in{opacity:0;transform:translateY(22px);transition:opacity .55s ease,transform .55s ease}
    .fade-in.visible{opacity:1;transform:none}
    @keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
    @keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}

    /* WhatsApp */
    .whatsapp-fab{position:fixed;bottom:24px;right:24px;z-index:9999;display:flex;align-items:center;gap:8px;background:#25D366;color:#fff;text-decoration:none;padding:12px 18px 12px 14px;border-radius:50px;font-size:14px;font-weight:600;box-shadow:0 4px 16px rgba(37,211,102,0.35);transition:transform 0.2s,box-shadow 0.2s;white-space:nowrap}
    .whatsapp-fab i{font-size:20px;line-height:1;flex-shrink:0}
    .whatsapp-fab:hover{color:#fff;text-decoration:none;transform:translateY(-2px);box-shadow:0 6px 20px rgba(37,211,102,0.45)}

    /* RESPONSIVE */
    @media(max-width:991.98px){.why-badge{display:none}.stat-sep{display:none}.py-section{padding-top:4rem;padding-bottom:4rem}.navbar-social{display:none}.process-header{margin-bottom:2rem}}
    @media(max-width:767.98px){.section-title{font-size:1.6rem}.contact-card{padding:1.5rem 1.1rem}.cta-card{padding:2rem 1.25rem!important}.topbar{display:none}.py-section{padding-top:3rem;padding-bottom:3rem}.rajiv-img-frame img{height:300px}.why-img img{height:260px}.lender-logo-box{min-width:120px;padding:.6rem 1rem;height:80px}.process-header{flex-direction:column;align-items:flex-start;gap:.75rem;margin-bottom:1.5rem}.process-header-desc{max-width:100%}.process-left-title{font-size:1.6rem}.services-view-all-wrap{display:none!important}.footer-accred-logo{max-width:none;flex:0 1 calc(50% - .3rem)}}
    @media(max-width:575.98px){.section-tag{font-size:.64rem;padding:.28rem .75rem}.stat-val{font-size:1.65rem}.testi-card{padding:1.25rem}.lender-logo-box{min-width:120px;height:60px}.svc-card-img{height:160px}.process-item{gap:.75rem}.process-num{width:32px;height:32px;font-size:.85rem}.process-list::before{left:15px;top:38px}}
    @media(max-width:479px){.stat-item{width:50%}.stat-sep{display:none!important}.trust-item{white-space:normal}.footer-accred-logo{flex:0 0 calc(50% - .3rem);max-width:none}.whatsapp-fab{bottom:16px;right:16px;padding:12px;border-radius:50%}.whatsapp-fab-label{display:none}}
  

    /* ── CONTACT SECTION (dark theme) ── */
.contact-section { background: var(--slate); }

/* Trust strip */
.contact-trust-strip {
  display: flex; align-items: stretch;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius);
  overflow: hidden;
  max-width: 560px;
  margin-left: auto; margin-right: auto;
}
.contact-trust-cell {
  flex: 1; padding: 18px 16px; text-align: center;
  position: relative;
}
.contact-trust-cell + .contact-trust-cell::before {
  content: ''; position: absolute; left: 0; top: 20%; height: 60%;
  width: 1px; background: rgba(255,255,255,.09);
}
.contact-trust-val {
  display: block; font-family: var(--font-head);
  font-size: 1.7rem; font-weight: 600; color: var(--gold-light); line-height: 1;
  margin-bottom: 4px;
}
.contact-trust-stars {
  display: block; color: var(--gold-light); font-size: .85rem;
  letter-spacing: 2px; margin-bottom: 3px;
}
.contact-trust-lbl {
  font-size: .72rem; font-weight: 500; color: rgba(255,255,255,.42);
}

/* Form card */
.contact-form-dark {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: var(--radius-lg);
  padding: 2rem;
}

/* Inputs — white background */
.contact-form-dark .form-control,
.contact-form-dark .form-select {
  background: #ffffff;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  color: var(--text-body);
  font-family: var(--font-body);
  font-size: .875rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.contact-form-dark .form-control::placeholder {
  color: var(--text-muted);
}
.contact-form-dark .form-select {
  color: var(--text-muted);
}
.contact-form-dark .form-select option {
  background: #ffffff;
  color: var(--text-body);
}
.contact-form-dark .form-control:focus,
.contact-form-dark .form-select:focus {
  background: #ffffff;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,147,58,.14);
  outline: none;
}

/* Labels */
.contact-form-dark label {
  font-size: .72rem; font-weight: 700; color: rgba(255,255,255,.5);
  letter-spacing: .06em; text-transform: uppercase;
  margin-bottom: .35rem; font-family: var(--font-body);
}

/* Service pills */
.contact-form-dark .svc-check .form-check-label {
  background: rgba(255,255,255,.07);
  border: 1.5px solid rgba(255,255,255,.1);
  color: rgba(255,255,255,.5);
}
.contact-form-dark .svc-check .form-check-input:checked + .form-check-label {
  background: rgba(201,147,58,.18);
  border-color: var(--gold);
  color: var(--gold-light);
}

/* Privacy policy checkbox */
.contact-privacy-check {
  display: flex;
  align-items: flex-start;
  gap: .65rem;
  padding: .5rem 0;
}
.contact-privacy-check .form-check-input {
  width: 17px; height: 17px;
  min-width: 17px;
  margin-top: 2px;
  border: 1.5px solid rgba(255,255,255,.2);
  background: rgba(255,255,255,.07);
  border-radius: 5px;
  cursor: pointer;
  flex-shrink: 0;
  appearance: none;
  -webkit-appearance: none;
  transition: background var(--transition), border-color var(--transition);
}
.contact-privacy-check .form-check-input:checked {
  background: var(--gold);
  border-color: var(--gold);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath fill='none' stroke='%230F1E3D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' d='M2 6l3 3 5-5'/%3E%3C/svg%3E");
  background-size: 70%;
  background-position: center;
  background-repeat: no-repeat;
}
.contact-privacy-check .form-check-input:focus {
  box-shadow: 0 0 0 3px rgba(201,147,58,.2);
  outline: none;
}
.contact-privacy-check label {
  font-size: .8rem;
  font-weight: 500;
  color: rgba(255,255,255,.42);
  letter-spacing: 0;
  text-transform: none;
  line-height: 1.6;
  cursor: pointer;
}
.contact-privacy-check label a {
  color: var(--gold-light);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(232,180,85,.35);
  transition: color var(--transition), text-decoration-color var(--transition);
}
.contact-privacy-check label a:hover {
  color: var(--gold);
  text-decoration-color: var(--gold);
}

/* Responsive */
@media(max-width:767.98px) {
  .contact-trust-strip { max-width: 100%; }
  .contact-form-dark { padding: 1.5rem 1.1rem; }
}


/* FAQ two-column layout */
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.45fr;
  gap: 3.5rem;
  align-items: start;
}
.faq-photo-frame {
  border-radius: 260px 260px 180px 180px;
  overflow: hidden;
  height: 540px;
  box-shadow: var(--shadow-md);
}
.faq-photo-frame img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
}
.btn-faq-cta {
  display: inline-flex; align-items: center; gap: .5rem;
  background: var(--navy); color: var(--white);
  font-family: var(--font-body); font-size: .875rem; font-weight: 700;
  border: none; border-radius: 50px;
  padding: .75rem 1.9rem;
  transition: background var(--transition), transform var(--transition);
  text-decoration: none;
}
.btn-faq-cta:hover { background: var(--gold); color: var(--white); transform: translateY(-1px); }

/* Override Bootstrap accordion to flat divider style */
.faq-accordion .accordion-item {
  border: none !important;
  border-bottom: 1px solid var(--border) !important;
  border-radius: 0 !important;
  background: transparent;
  margin-bottom: 0;
}
.faq-accordion .accordion-button {
  background: transparent !important;
  box-shadow: none !important;
  padding: .9rem 0;
}
.faq-accordion .accordion-button:not(.collapsed) {
  color: var(--gold-dark);
  background: transparent !important;
}
.faq-accordion .accordion-body { padding: 0 0 1rem 1.6rem; }

@media (max-width: 991.98px) {
  .faq-layout { grid-template-columns: 1fr; gap: 2rem; }
  .faq-photo-frame { height: 280px; border-radius: 160px 160px 120px 120px; }
}

.feature-icon-wrap {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: #f0f4f8;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    color: #185FA5;
    font-size: 1.25rem;
}

.feature-title {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-weight: 500;
    margin-bottom: 0.75rem;
}

.feature-dot {
    width: 8px;
    height: 8px;
    min-width: 8px;
    border-radius: 50%;
    background: #185FA5;
    margin-top: 5px;
    display: inline-block;
}

.feature-divider {
    width: 48px;
    height: 2px;
    background: #185FA5;
    border-radius: 2px;
    margin-top: 1.25rem;
}



/* ═══════════════════════════════════════
   INNER PAGES (Disclaimer, Privacy etc.)
═══════════════════════════════════════ */

/* Page Header */
.page-header{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:2.25rem 0 2rem;position:relative;overflow:hidden}
.page-header-glow{position:absolute;top:-60px;right:-60px;width:260px;height:260px;background:radial-gradient(circle,rgba(201,147,58,.13) 0%,transparent 65%);border-radius:50%;pointer-events:none}
.page-header-icon{width:40px;height:40px;border-radius:10px;background:rgba(201,147,58,.15);border:1px solid rgba(201,147,58,.25);display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-size:.95rem;flex-shrink:0}
.page-header-title{font-family:var(--font-head);font-size:clamp(1.3rem,3vw,1.75rem);color:var(--white);font-weight:600;margin:0;line-height:1.2}
.page-header-meta{color:rgba(255,255,255,.42);font-size:.74rem;margin:3px 0 0;font-family:var(--font-body);letter-spacing:.02em}

/* Breadcrumb bar */
.page-breadcrumb-bar{background:var(--white);border-bottom:1px solid var(--border);padding:.35rem 0}
.page-breadcrumb{font-size:.73rem;font-family:var(--font-body)}
.page-breadcrumb .breadcrumb-item a{color:var(--gold-dark);text-decoration:none}
.page-breadcrumb .breadcrumb-item.active{color:var(--text-muted)}

/* Inner page section */
.inner-page-section{background:var(--off-white)}

/* Licence bar */
.licence-bar{background:var(--navy);border-radius:var(--radius);padding:1rem 1.4rem;display:flex;align-items:flex-start;gap:.9rem}
.licence-bar-icon{width:34px;height:34px;min-width:34px;border-radius:9px;background:rgba(201,147,58,.18);display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-size:.8rem;flex-shrink:0;margin-top:1px}
.licence-bar-text{font-size:.82rem;color:rgba(255,255,255,.7);line-height:1.75;margin:0;font-family:var(--font-body)}
.sep-pipe{color:rgba(255,255,255,.3)}

/* Content card */
.inner-content-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);padding:1.5rem;transition:box-shadow var(--transition),border-color var(--transition)}
.inner-content-card:hover{border-color:var(--gold);box-shadow:var(--shadow-md)}
.inner-content-card--gold-border{border-left:3px solid var(--gold)}
.inner-card-icon{width:30px;height:30px;border-radius:8px;background:var(--gold-pale2);border:1px solid var(--border-dark);display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:.75rem;flex-shrink:0}
.inner-card-heading{font-family:var(--font-head);font-size:1rem;color:var(--navy);font-weight:600;margin:0}
.inner-card-body{font-size:.875rem;color:var(--text-muted);line-height:1.85;margin:0}

/* Card heading row (icon + number + title — privacy policy sections) */
.inner-card-header{display:flex;align-items:center;gap:.85rem;padding:.8rem 1.25rem;background:var(--gold-pale);border-bottom:1px solid var(--border)}
.inner-card-num{color:var(--gold-dark);font-size:.8rem;font-family:var(--font-body);font-weight:700;margin-right:.25rem}
.inner-card-section-title{font-family:var(--font-head);font-size:1rem;color:var(--navy);font-weight:600;margin:0;line-height:1.3}
.inner-card-content{padding:.9rem 1.25rem .95rem;font-size:.855rem;color:var(--text-muted);line-height:1.82}

/* Contact strip */
.inner-contact-strip{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1rem;background:var(--navy);border-radius:var(--radius);padding:1rem 1.4rem}
.inner-contact-icon{width:34px;height:34px;border-radius:9px;background:rgba(201,147,58,.18);display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-size:.8rem;flex-shrink:0}
.inner-contact-title{color:var(--white);font-size:.875rem;font-weight:600;font-family:var(--font-body);margin:0;line-height:1.3}
.inner-contact-sub{color:rgba(255,255,255,.42);font-size:.75rem;margin:2px 0 0}

@media(max-width:575.98px){
  .licence-bar{flex-direction:column;gap:.65rem}
  .inner-contact-strip{flex-direction:column;align-items:flex-start}
}

/* ═══════════════════════════════
   TERMS / SIMPLE PARAGRAPH PAGES
═══════════════════════════════ */
.terms-content{background:var(--white);border-radius:var(--radius);padding:2.5rem 3rem}
.terms-block{margin-bottom:2.25rem}
.terms-block:last-child{margin-bottom:0}
.terms-heading{font-family:var(--font-head);font-size:1.35rem;font-weight:700;color:var(--navy);margin-bottom:.85rem}
.terms-block p{font-family:var(--font-body);font-size:.9375rem;color:var(--text-body);line-height:1.9;margin:0}

@media(max-width:767.98px){
  .terms-content{padding:1.5rem 1.25rem}
  .terms-heading{font-size:1.15rem}
}