:root {
  --navy: #0B2545;
  --navy-deep: #071a33;
  --teal: #0F5257;
  --gold: #C9A227;
  --gold-light: #E4C567;
  --cream: #F7F5F0;
  --ink: #1B2430;
  --muted: #5B6B79;
  --border: #E3DFD3;
  --white: #FFFFFF;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 37, 69, 0.08);
  --font-display: 'Poppins', sans-serif;
  --font-body: 'Poppins', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  margin: 0 0 0.5em;
  line-height: 1.15;
}
p { margin: 0 0 1em; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.muted { color: var(--muted); }
.small { font-size: 0.85rem; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  background: rgba(15, 82, 87, 0.08);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.eyebrow-icon { width: 14px; height: 14px; flex: 0 0 auto; }
.partner-badges { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 14px; }
.eyebrow-link { text-decoration: none; cursor: pointer; transition: background 0.15s ease, transform 0.15s ease; }
.eyebrow-link:hover { transform: translateY(-1px); }
.badge-icici { color: #C1440E; background: rgba(193, 68, 14, 0.1); }
.badge-icici:hover { background: rgba(193, 68, 14, 0.18); }
.badge-sbi { color: #1B5E9E; background: rgba(27, 94, 158, 0.1); }
.badge-sbi:hover { background: rgba(27, 94, 158, 0.18); }
.badge-lic { color: #B0202B; background: rgba(176, 32, 43, 0.1); }
.badge-lic:hover { background: rgba(176, 32, 43, 0.18); }
.trust-link { color: inherit; text-decoration: none; }
.trust-link:hover { text-decoration: underline; }
.partner-badges .eyebrow { margin-bottom: 0; }
.highlight { color: var(--gold); }

/* ---------- Associated-partners section (Infina-style scrolling strip) ---------- */
.partners-section { padding: 52px 0 60px; background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); overflow: hidden; }
.partners-head { text-align: center; margin-bottom: 28px; }
.partners-head h2 { font-size: 1.5rem; margin-bottom: 0; }
.partner-badges-static { margin-bottom: 0; justify-content: center; flex-wrap: wrap; }
.badge-static {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 12px 22px;
  border-radius: 999px;
  border: 1px solid var(--border);
  cursor: default;
  user-select: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.badge-static:hover { transform: translateY(-2px); box-shadow: 0 8px 18px rgba(11,37,69,0.1); }
.badge-star { color: #B36B00; background: rgba(179, 107, 0, 0.1); }

.badge-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 20px; height: 20px; border-radius: 50%; flex: 0 0 auto;
  font-size: 0.58rem; font-weight: 800; letter-spacing: -0.02em; color: #fff;
}
.badge-mark-icici { background: #C1440E; }
.badge-mark-sbi { background: #1B5E9E; }
.badge-mark-lic { background: #B0202B; font-size: 0.5rem; }
.badge-mark-star { background: #B36B00; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--navy); color: var(--white); box-shadow: 0 8px 20px rgba(11,37,69,0.25); }
.btn-primary:hover { background: var(--navy-deep); }
.btn-ghost { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--white); }
.btn-lg { padding: 16px 34px; font-size: 1rem; }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }

/* ---------- Header ---------- */
.mobile-call-fab {
  display: none;
  position: fixed; z-index: 240; bottom: 86px; right: 20px;
  width: 54px; height: 54px; border-radius: 50%;
  background: var(--gold); color: var(--navy-deep);
  align-items: center; justify-content: center; font-size: 1.4rem;
  box-shadow: 0 8px 20px rgba(0,0,0,0.25);
}

/* ---------- Floating WhatsApp button (right) ---------- */
.whatsapp-fab {
  position: fixed; z-index: 250; bottom: 20px; right: 20px;
  width: 56px; height: 56px; border-radius: 50%;
  background: #25D366; color: #fff;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 20px rgba(0,0,0,0.3);
  transition: transform 0.2s ease;
}
.whatsapp-fab:hover { transform: scale(1.08); }

/* ---------- Floating Chatbot button (left) ---------- */
.chatbot-fab {
  position: fixed; z-index: 250; bottom: 20px; left: 20px;
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--navy); color: #fff; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 20px rgba(0,0,0,0.3);
  transition: transform 0.2s ease;
}
.chatbot-fab:hover { transform: scale(1.08); }

/* ---------- Chatbot widget window ---------- */
.chatbot-window {
  display: none;
  position: fixed; z-index: 260; bottom: 88px; left: 20px;
  width: 320px; max-width: calc(100vw - 40px);
  height: 420px; max-height: calc(100vh - 140px);
  background: var(--white, #fff);
  border-radius: 14px;
  box-shadow: 0 16px 40px rgba(0,0,0,0.28);
  flex-direction: column;
  overflow: hidden;
  font-family: var(--font-body, inherit);
}
.chatbot-window.open { display: flex; }
.chatbot-header {
  background: var(--navy); color: #fff;
  padding: 14px 16px; font-weight: 600;
  display: flex; align-items: center; justify-content: space-between;
  font-size: 0.95rem;
}
.chatbot-header button {
  background: none; border: none; color: #fff; cursor: pointer; font-size: 1rem;
  opacity: 0.85;
}
.chatbot-header button:hover { opacity: 1; }
.chatbot-body {
  flex: 1; overflow-y: auto; padding: 14px 12px;
  display: flex; flex-direction: column; gap: 10px;
  background: var(--cream, #f7f5f0);
}
.chat-msg {
  max-width: 85%; padding: 9px 12px; border-radius: 12px; font-size: 0.87rem; line-height: 1.4;
}
.chat-msg.bot {
  background: #fff; color: #222; align-self: flex-start;
  border-bottom-left-radius: 3px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.08);
}
.chat-msg.user {
  background: var(--navy); color: #fff; align-self: flex-end;
  border-bottom-right-radius: 3px;
}
.chatbot-options {
  display: flex; flex-wrap: wrap; gap: 6px;
  padding: 10px 12px 14px; border-top: 1px solid var(--border, #e5e0d5);
  background: #fff;
}
.chatbot-options button {
  background: var(--cream, #f0ede4); border: 1px solid var(--border, #ddd6c6);
  color: var(--navy); padding: 6px 11px; border-radius: 20px;
  font-size: 0.78rem; cursor: pointer; transition: background 0.15s ease;
}
.chatbot-options button:hover { background: var(--gold-light, #f0d98c); }

@media (max-width: 900px) {
  .whatsapp-fab { bottom: 90px; right: 20px; width: 50px; height: 50px; }
  .chatbot-fab { width: 50px; height: 50px; }
  .chatbot-window { bottom: 82px; }
}
@media (max-width: 480px) {
  .chatbot-window { width: calc(100vw - 24px); left: 12px; }
}
/* ---------- Header (Infina-style single dark navy bar) ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--navy-deep);
  box-shadow: 0 2px 14px rgba(0, 0, 0, 0.15);
}
.header-inner { display: flex; align-items: center; gap: 24px; padding: 10px 24px; }
.brand { display: flex; align-items: center; gap: 12px; background: var(--white); padding: 6px 14px; border-radius: 8px; }
.brand-logo { height: 42px; width: auto; display: block; }
.brand-logo-chip {
  display: inline-flex; align-items: center; background: var(--cream);
  padding: 8px 16px; border-radius: 10px;
}
.brand-logo-footer { height: 40px; }
.main-nav { display: flex; align-items: center; gap: 26px; margin-left: 28px; }
.main-nav a { font-weight: 600; font-size: 0.92rem; color: rgba(255,255,255,0.88); padding: 6px 0; border-bottom: 2px solid transparent; }
.main-nav a:hover, .main-nav a.active { color: var(--white); border-color: var(--gold); }
.header-utility { display: flex; align-items: center; gap: 18px; margin-left: auto; }
.header-utility-icon { display: inline-flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.85); }
.header-utility-icon svg { width: 18px; height: 18px; }
.header-utility-icon:hover { color: var(--gold-light); }
.main-nav a.btn-quote {
  background: var(--gold); color: var(--navy-deep) !important; padding: 9px 20px;
  border-radius: 999px; border-bottom: none !important; font-weight: 700;
}
.header-utility a.btn-quote { background: var(--gold); color: var(--navy-deep) !important; padding: 9px 20px; border-radius: 999px; font-weight: 700; }
.header-utility a.btn-quote:hover { background: var(--gold-light); }
.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; }
.nav-toggle span { width: 24px; height: 2px; background: var(--white); }

/* ---------- Retail / Corporate product dropdown bar ---------- */
.type-nav { background: var(--cream); border-bottom: 1px solid var(--border); }
.type-nav-inner { display: flex; justify-content: center; gap: 10px; padding: 7px 24px; }
.type-dropdown { position: relative; }
.type-toggle {
  display: flex; align-items: center; gap: 6px;
  background: none; border: none; cursor: pointer;
  font-family: var(--font-body); font-weight: 600; font-size: 0.88rem;
  color: var(--navy); padding: 8px 14px; border-radius: 8px;
  transition: background 0.15s ease;
}
.type-toggle:hover { background: rgba(11, 37, 69, 0.06); }
.type-caret { width: 14px; height: 14px; transition: transform 0.15s ease; }
.type-dropdown.open .type-toggle { background: rgba(11, 37, 69, 0.08); }
.type-dropdown.open .type-caret { transform: rotate(180deg); }
.type-menu {
  display: none;
  position: absolute; top: calc(100% + 6px); left: 0;
  min-width: 260px; max-height: 340px; overflow-y: auto;
  background: var(--white); border: 1px solid var(--border);
  border-radius: 10px; box-shadow: var(--shadow);
  padding: 8px; z-index: 120;
}
.type-dropdown.open .type-menu { display: block; }
.type-menu-item {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 10px; border-radius: 8px;
  font-size: 0.9rem; color: var(--ink); font-weight: 500;
}
.type-menu-item:hover { background: rgba(201, 162, 39, 0.14); color: var(--navy); }
.type-menu-icon {
  display: flex; align-items: center; justify-content: center;
  width: 28px; height: 28px; flex: 0 0 auto; border-radius: 7px;
  background: rgba(11, 37, 69, 0.08); color: var(--navy);
}
.type-menu-icon svg { width: 16px; height: 16px; }
.type-menu-empty { display: block; padding: 10px; color: var(--muted); font-size: 0.85rem; }

.flash { padding: 12px 0; text-align: center; font-weight: 500; }
.flash-success { background: #DFF3E3; color: #1B6B33; }
.flash-error { background: #FBE1E1; color: #9C2B2B; }

/* ---------- Hero (Infina-style photographic banner) ---------- */
.hero {
  position: relative; padding: 110px 0 120px; overflow: hidden;
  background-color: var(--navy-deep);
  background-image:
    linear-gradient(180deg, rgba(7,26,51,0.55) 0%, rgba(7,26,51,0.78) 60%, rgba(7,26,51,0.92) 100%),
    url('https://images.unsplash.com/photo-1662509418097-956310de88f0?fm=jpg&q=80&w=2400&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}
.hero-inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 50px; align-items: center; }
.hero-inner-clean { display: block; max-width: 640px; }
.hero-copy h1 { font-size: 2.9rem; font-weight: 700; margin-bottom: 0.4em; color: var(--white); }
.hero-copy .lead { font-size: 1.1rem; color: rgba(255,255,255,0.85); max-width: 520px; }
.hero-actions { display: flex; gap: 16px; margin: 28px 0 36px; }
.hero .btn-primary { background: var(--gold); color: var(--navy-deep); box-shadow: 0 8px 22px rgba(201,162,39,0.3); }
.hero .btn-primary:hover { background: var(--gold-light); }
.hero .btn-ghost { border-color: rgba(255,255,255,0.5); color: var(--white); }
.hero .btn-ghost:hover { background: var(--white); color: var(--navy-deep); }
.hero-trust { display: flex; gap: 32px; }
.hero-trust div { display: flex; flex-direction: column; }
.hero-trust strong { font-family: var(--font-display); font-size: 1.4rem; color: var(--white); }
.hero-trust span { color: rgba(255,255,255,0.7); font-size: 0.8rem; max-width: 120px; }

.hero-visual { position: relative; height: 420px; }
.card-stack { position: relative; width: 100%; height: 100%; }
.policy-card {
  position: absolute; width: 190px; padding: 22px 20px;
  background: rgba(255,255,255,0.96); border-radius: var(--radius);
  box-shadow: 0 20px 40px rgba(0,0,0,0.28); border: 1px solid rgba(255,255,255,0.4);
  display: flex; flex-direction: column; gap: 10px; font-weight: 600; color: var(--navy);
  transition: transform 0.3s ease;
}
.policy-card .pc-icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
}
.policy-card .pc-icon svg { width: 22px; height: 22px; }
.card-1 .pc-icon, .card-4 .pc-icon { background: rgba(255,255,255,0.18); color: var(--white); }
.card-1 { top: 0; left: 30px; transform: rotate(-9deg); z-index: 5; background: linear-gradient(160deg, var(--navy), var(--navy-deep)); color: var(--white); }
.card-2 { top: 55px; left: 130px; transform: rotate(6deg); z-index: 4; }
.card-3 { top: 150px; left: 10px; transform: rotate(4deg); z-index: 3; }
.card-4 { top: 195px; left: 150px; transform: rotate(-6deg); z-index: 2; background: var(--teal); color: var(--white); }
.card-5 { top: 290px; left: 60px; transform: rotate(-2deg); z-index: 6; border: 2px solid var(--gold); }
.card-stack:hover .policy-card { transform: translateY(-6px) rotate(0deg); }

/* ---------- Sections ---------- */
.section { padding: 68px 0; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.section-head { max-width: 640px; margin-bottom: 40px; }
.section-head h2 { font-size: 2rem; font-weight: 600; }
.page-header { padding: 56px 0 30px; }
.page-header h1 { font-size: 2.2rem; }
.page-header .lead { color: var(--muted); max-width: 620px; font-size: 1.05rem; }

.services-strip { background: var(--white); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.services-grid-visual { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .services-grid-visual { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .services-grid-visual { grid-template-columns: 1fr; } }
.service-card {
  background: var(--cream); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; display: flex; flex-direction: column; gap: 6px; transition: box-shadow 0.2s, transform 0.2s;
}
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.service-icon {
  width: 52px; height: 52px; border-radius: 14px; margin-bottom: 8px;
  display: flex; align-items: center; justify-content: center;
}
.service-icon svg { width: 26px; height: 26px; }
.service-card h3 { font-size: 1.15rem; margin-bottom: 4px; }
.service-card p { color: var(--muted); font-size: 0.92rem; margin-bottom: 10px; }
.link-arrow { color: var(--teal); font-weight: 600; font-size: 0.9rem; }

.why-us { }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
.check-list li { position: relative; padding-left: 28px; margin-bottom: 12px; color: var(--ink); }
.check-list li::before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.stat-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.stat-card { background: var(--navy); color: var(--white); border-radius: var(--radius); padding: 24px; }
.stat-card strong { font-family: var(--font-display); font-size: 1.2rem; color: var(--gold-light); display: block; margin-bottom: 6px; }
.stat-card p { color: rgba(255,255,255,0.8); font-size: 0.88rem; margin: 0; }

.products-preview { background: var(--white); }
.products-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.product-card {
  border: 1px solid var(--border); border-radius: var(--radius); padding: 26px;
  display: flex; flex-direction: column; gap: 6px; background: var(--cream);
}
.product-tag {
  align-self: flex-start; font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--teal); background: rgba(15,82,87,0.1); padding: 4px 10px; border-radius: 999px; margin-bottom: 8px;
}
.product-card h3 { font-size: 1.05rem; }
.product-card p { color: var(--muted); font-size: 0.9rem; }

/* ---------- Product cards with background image (Infina-style) ---------- */
.products-grid-visual { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.product-visual-card {
  position: relative; display: flex; flex-direction: column; justify-content: flex-end;
  min-height: 260px; border-radius: var(--radius); overflow: hidden;
  background-color: var(--navy); background-size: cover; background-position: center;
  padding: 20px; box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.product-visual-card:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(11,37,69,0.22); }
.product-visual-card:not([style*="background-image"]) {
  background-image: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
}
.product-visual-scrim {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(7,26,51,0) 35%, rgba(7,26,51,0.85) 100%);
  z-index: 0;
}
.product-visual-tag {
  position: relative; z-index: 1; align-self: flex-start;
  font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--navy-deep); background: var(--gold-light); padding: 4px 11px; border-radius: 999px;
  margin-bottom: 10px;
}
.product-visual-title {
  position: relative; z-index: 1; color: var(--white); font-family: var(--font-display);
  font-size: 1.2rem; font-weight: 600; line-height: 1.25; margin-bottom: 4px;
}
.product-visual-desc {
  position: relative; z-index: 1; color: rgba(255,255,255,0.8); font-size: 0.84rem;
  margin-bottom: 10px; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden;
}
.product-visual-cta {
  position: relative; z-index: 1; color: var(--gold-light); font-weight: 600; font-size: 0.85rem;
  opacity: 0; transform: translateY(6px); transition: opacity 0.2s ease, transform 0.2s ease;
}
.product-visual-card:hover .product-visual-cta { opacity: 1; transform: translateY(0); }
@media (max-width: 900px) {
  .products-grid-visual { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .products-grid-visual { grid-template-columns: 1fr; }
}
.feature-list { margin: 10px 0; }
.feature-list li { position: relative; padding-left: 20px; font-size: 0.85rem; color: var(--ink); margin-bottom: 6px; }
.feature-list li::before { content: '—'; position: absolute; left: 0; color: var(--gold); }
.center-cta { text-align: center; margin-top: 36px; }

.cta-strip { background: linear-gradient(120deg, var(--navy), var(--navy-deep)); color: var(--white); }
.cta-strip-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-strip h2 { color: var(--white); font-size: 1.7rem; }
.cta-strip p { color: rgba(255,255,255,0.8); margin: 0; }

.detail-grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; }
.detail-side { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; height: fit-content; }
.side-list li { padding: 0; border-bottom: 1px solid var(--border); }
.side-list li:last-child { border-bottom: none; }
.side-list-link { display: flex; flex-direction: column; gap: 2px; padding: 12px 0; }
.side-list-link:hover strong { color: var(--gold); }
.side-list strong { color: var(--navy); }
.side-list span { color: var(--muted); font-size: 0.88rem; }

/* ---------- Product detail hero (image banner) ---------- */
.product-detail-hero {
  position: relative; padding: 64px 0 56px; overflow: hidden;
  background-color: var(--navy); background-size: cover; background-position: center;
}
.product-detail-hero:not([style*="background-image"]) {
  background-image: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
}
.product-detail-scrim {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(7,26,51,0.55) 0%, rgba(7,26,51,0.88) 100%);
}
.product-detail-hero-inner { position: relative; z-index: 1; }
.product-detail-hero-inner h1 { color: var(--white); margin: 12px 0 8px; font-size: 2.2rem; }
.product-detail-hero-inner .lead { color: rgba(255,255,255,0.82); max-width: 560px; }
.product-detail-back { color: rgba(255,255,255,0.8); display: inline-block; margin-bottom: 14px; }
.product-detail-back:hover { color: var(--gold-light); }

.filter-bar { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.filter-pill { padding: 8px 18px; border-radius: 999px; border: 1px solid var(--border); font-size: 0.85rem; font-weight: 500; background: var(--white); }
.filter-pill.active, .filter-pill:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ---------- Forms ---------- */
.form-container { max-width: 640px; margin: 0 auto; }
.form-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 36px; display: flex; flex-direction: column; gap: 18px; box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
label { display: flex; flex-direction: column; gap: 6px; font-size: 0.88rem; font-weight: 600; color: var(--navy); }
input, select, textarea {
  font-family: var(--font-body); font-size: 0.95rem; padding: 11px 14px;
  border: 1px solid var(--border); border-radius: 8px; background: var(--cream); color: var(--ink);
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
textarea { resize: vertical; font-weight: 400; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.75); padding: 56px 0 0; border-top: 3px solid var(--gold); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; padding-bottom: 40px; }
.footer-grid h4 { color: var(--white); font-family: var(--font-body); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 14px; position: relative; padding-bottom: 10px; }
.footer-grid h4::after { content: ""; position: absolute; left: 0; bottom: 0; width: 28px; height: 2px; background: var(--gold); }
.footer-grid a { display: block; padding: 5px 0; color: rgba(255,255,255,0.7); font-size: 0.9rem; transition: color 0.15s ease, padding-left 0.15s ease; }
.footer-grid a:hover { color: var(--gold-light); padding-left: 4px; }
.brand-footer .brand-text strong { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding: 18px 0; display: flex;
  justify-content: space-between; font-size: 0.8rem; color: rgba(255,255,255,0.5);
}
.admin-link { color: rgba(255,255,255,0.4) !important; }

.notfound-page { display: flex; flex-direction: column; align-items: center; justify-content: center; height: 100vh; background: var(--cream); gap: 12px; }
.notfound-page h1 { font-size: 5rem; color: var(--navy); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-inner, .why-grid, .detail-grid { grid-template-columns: 1fr; }
  .services-grid, .products-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-visual { height: 320px; margin-top: 20px; }
  .mobile-call-fab { display: flex; }
  .header-utility { gap: 10px; }
}
@media (max-width: 560px) {
  .header-utility-icon { display: none; }
}
@media (max-width: 720px) {
  .main-nav { position: fixed; top: 66px; left: 0; right: 0; background: var(--navy-deep); flex-direction: column;
    align-items: flex-start; padding: 20px 24px; border-bottom: 1px solid rgba(255,255,255,0.12); display: none; gap: 14px; z-index: 99; }
  .main-nav a { color: rgba(255,255,255,0.88); }
  .main-nav.open { display: flex; }
  .nav-toggle { display: flex; }
  .form-row, .services-grid, .products-grid { grid-template-columns: 1fr; }
  .hero-copy h1 { font-size: 2.1rem; }
  .cta-strip-inner { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr; }

  /* tighter vertical rhythm on mobile so sections don't feel like empty space */
  .section { padding: 40px 0; }
  .page-header { padding: 36px 0 18px; }
  .type-nav-inner { padding: 6px 16px; gap: 2px; }
  .type-toggle { font-size: 0.82rem; padding: 8px 10px; }
  .type-menu { min-width: 220px; }
  .partner-badges-static { gap: 6px; }
  .badge-static { font-size: 0.7rem; padding: 7px 12px; }
  .section-head { margin-bottom: 26px; }
  .hero { padding: 48px 0 32px; }
  .hero-visual { height: 260px; }
  .card-stack .policy-card { width: 150px; padding: 16px 14px; }
}

/* ---------- Utility classes (kept so no inline style="" is needed -> stricter CSP) ---------- */
.mt-1 { margin-top: 1rem; }
.mt-1-5 { margin-top: 1.5rem; }
.mb-2 { margin-bottom: 2rem; }
.mb-1-5 { margin-bottom: 1.5rem; }
.d-inline-block { display: inline-block; }
.d-block { display: block; }
.w-100 { width: 100%; }
.max-w-100 { max-width: 100%; }
.text-center { text-align: center; }
.justify-center { justify-content: center; }
.mt-auto { margin-top: auto; }
.no-select { user-select: none; -webkit-user-select: none; }

/* Honeypot field: visually hidden from real users (off-screen) but present in the
   DOM for basic bots that auto-fill every input. Genuine visitors never see or fill it. */
.hp-field {
  position: absolute;
  left: -5000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ---------- WhatsApp + Chatbot widget ---------- */
.widget-stack {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 900;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
}
.whatsapp-fab, .chatbot-fab {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 18px rgba(0,0,0,0.25);
  border: none;
  cursor: pointer;
  color: #fff;
}
.whatsapp-fab { background: #25D366; }
.whatsapp-fab:hover { background: #1ebd5a; }
.chatbot-fab { background: var(--navy, #10233d); font-size: 1.5rem; }
.chatbot-fab:hover { filter: brightness(1.15); }

.chatbot-panel {
  position: fixed;
  right: 20px;
  bottom: 92px;
  width: min(340px, calc(100vw - 32px));
  max-height: 70vh;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 12px 32px rgba(0,0,0,0.25);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  z-index: 900;
}
.chatbot-panel[hidden] {
  display: none;
}
.chatbot-panel-head {
  background: var(--navy, #10233d);
  color: #fff;
  padding: 12px 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-weight: 600;
}
.chatbot-panel-head button {
  background: none;
  border: none;
  color: #fff;
  cursor: pointer;
  font-size: 1rem;
}
.chatbot-panel-body {
  padding: 12px 14px;
  overflow-y: auto;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-height: 140px;
}
.chatbot-msg {
  padding: 8px 12px;
  border-radius: 10px;
  font-size: 0.9rem;
  max-width: 90%;
  line-height: 1.4;
}
.chatbot-msg-bot { background: #f1f3f5; align-self: flex-start; }
.chatbot-msg-user { background: var(--gold-light, #e8c988); align-self: flex-end; }
.chatbot-msg a, .chatbot-whatsapp-link {
  color: var(--navy, #10233d);
  font-weight: 600;
  text-decoration: underline;
}
.chatbot-panel-quickreplies {
  padding: 8px 14px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  border-top: 1px solid #eee;
}
.chatbot-chip {
  border: 1px solid var(--navy, #10233d);
  background: #fff;
  color: var(--navy, #10233d);
  border-radius: 999px;
  padding: 6px 12px;
  font-size: 0.8rem;
  cursor: pointer;
}
.chatbot-chip:hover { background: var(--navy, #10233d); color: #fff; }
.chatbot-disclaimer {
  font-size: 0.7rem;
  color: #888;
  padding: 6px 14px 10px;
  margin: 0;
}
@media (max-width: 480px) {
  .widget-stack { right: 14px; bottom: 14px; }
  .chatbot-panel { right: 14px; left: 14px; width: auto; bottom: 86px; }
}

/* ---------- SBI Life Mitra iframe embed (homepage) ---------- */
.lifemitra-embed { background: var(--cream, #f7f5f0); }
.lifemitra-frame-wrap {
  width: 100%;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0,0,0,0.12);
  border: 1px solid var(--border, #e5e0d5);
  background: #fff;
}
.lifemitra-frame-wrap iframe {
  width: 100%;
  height: 720px;
  border: 0;
  display: block;
}
.lifemitra-fallback {
  text-align: center;
  margin-top: 12px;
  font-size: 0.85rem;
  color: var(--muted, #6b6b6b);
}
.lifemitra-fallback a { color: var(--navy); font-weight: 600; }

@media (max-width: 720px) {
  .lifemitra-frame-wrap iframe { height: 560px; }
}

/* ---------- Trust stats strip ---------- */
/* ---------- Modern category icon colors ---------- */
.service-icon.icon-plane, .qq-icon.icon-plane { background: rgba(46, 134, 171, 0.12); color: #2E86AB; }
.service-icon.icon-building, .qq-icon.icon-building { background: rgba(108, 92, 231, 0.12); color: #6C5CE7; }
.service-icon.icon-home, .qq-icon.icon-home { background: rgba(44, 165, 141, 0.12); color: #2CA58D; }
.service-icon.icon-heart, .qq-icon.icon-heart { background: rgba(228, 87, 46, 0.12); color: #E4572E; }
.service-icon.icon-chart, .qq-icon.icon-chart { background: rgba(201, 119, 46, 0.14); color: #C9772E; }
.service-icon.icon-shield, .qq-icon.icon-shield { background: rgba(11, 37, 69, 0.08); color: var(--navy); }

.card-2 .pc-icon.icon-building { background: rgba(108, 92, 231, 0.14); color: #6C5CE7; }
.card-3 .pc-icon.icon-home { background: rgba(44, 165, 141, 0.14); color: #2CA58D; }
.card-5 .pc-icon.icon-chart { background: rgba(201, 119, 46, 0.16); color: #C9772E; }

/* ---------- Quick Quote tabbed widget ---------- */
.quick-quote-section { margin-top: -48px; position: relative; z-index: 5; padding-bottom: 16px; }
.quick-quote-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: 0 20px 45px rgba(11, 37, 69, 0.16);
  overflow: hidden;
}
.qq-tabs {
  display: flex;
  flex-wrap: wrap;
  border-bottom: 1px solid var(--border);
  padding: 10px 16px 0;
  gap: 4px;
}
.qq-tab {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 10px 18px 14px;
  border-radius: 10px 10px 0 0;
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--muted);
  transition: background 0.2s ease, color 0.2s ease;
}
.qq-tab .qq-icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  transition: transform 0.2s ease;
}
.qq-tab .qq-icon svg { width: 20px; height: 20px; }
.qq-tab.active { color: var(--navy); font-weight: 600; }
.qq-tab.active .qq-icon { transform: scale(1.08); }
.qq-tab:not(.active):hover { background: var(--cream); }
.qq-tab.active::after {
  content: '';
  display: block;
  height: 2px;
  width: 100%;
  background: var(--gold);
  margin-top: 8px;
  border-radius: 2px;
}

.qq-form {
  display: flex;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 20px;
  padding: 22px 24px 26px;
}
.qq-form label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.85rem;
  color: var(--muted);
  flex: 1 1 180px;
}
.qq-form .req { color: #C0392B; }
.qq-form input {
  border: none;
  border-bottom: 1px solid var(--border);
  padding: 8px 2px;
  font-family: var(--font-body);
  font-size: 0.98rem;
  color: var(--ink);
  outline: none;
  background: transparent;
}
.qq-form input:focus { border-bottom-color: var(--navy); }
.qq-submit { white-space: nowrap; flex: 0 0 auto; }

@media (max-width: 720px) {
  .quick-quote-section { margin-top: -20px; }
  .qq-tabs { overflow-x: auto; flex-wrap: nowrap; padding: 8px 12px 0; }
  .qq-tab { padding: 8px 12px 10px; font-size: 0.78rem; }
  .qq-tab .qq-icon { width: 32px; height: 32px; }
  .qq-tab .qq-icon svg { width: 16px; height: 16px; }
  .qq-form { flex-direction: column; align-items: stretch; padding: 16px 18px 20px; gap: 14px; }
  .qq-submit { width: 100%; }
}

.trust-stats-strip { background: var(--navy-deep); padding: 44px 0; }
.trust-stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center;
}
.trust-stat { position: relative; padding: 0 12px; }
.trust-stat:not(:last-child)::after {
  content: ""; position: absolute; right: 0; top: 4px; bottom: 4px; width: 1px;
  background: rgba(255,255,255,0.15);
}
.trust-stat strong { display: block; font-family: var(--font-display); font-size: 2.2rem; color: var(--gold, #d4af37); margin-bottom: 4px; }
.trust-stat span { color: #fff; opacity: 0.85; font-size: 0.82rem; }
@media (max-width: 720px) {
  .trust-stats-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ---------- 3-Pillar Why Us ---------- */
.pillars-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 36px;
}
.pillar-card {
  background: #fff; border: 1px solid var(--border, #e5e0d5); border-radius: 14px;
  padding: 24px; text-align: center; box-shadow: 0 4px 14px rgba(0,0,0,0.05);
}
.pillar-icon { font-size: 1.8rem; display: block; margin-bottom: 10px; }
.pillar-card h3 { margin: 0 0 8px; color: var(--navy); }
.pillar-card p { font-size: 0.88rem; color: var(--muted, #666); line-height: 1.5; }
@media (max-width: 900px) {
  .pillars-grid { grid-template-columns: 1fr; }
}

/* ---------- Services page: How We Work ---------- */
.how-we-work { background: var(--white); }
.process-steps { display: flex; flex-direction: column; gap: 4px; max-width: 720px; margin: 40px auto 0; }
.process-step {
  display: flex; align-items: flex-start; gap: 20px; padding: 22px 0;
  border-bottom: 1px solid var(--border);
}
.process-step:last-child { border-bottom: none; }
.process-icon {
  flex: 0 0 auto; width: 52px; height: 52px; border-radius: 50%;
  background: rgba(11,37,69,0.06); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
}
.process-icon svg { width: 24px; height: 24px; }
.process-step h3 { margin: 0 0 6px; font-size: 1.1rem; }
.process-step p { margin: 0; color: var(--muted); font-size: 0.92rem; }

/* ---------- Services page: Our Core Values ---------- */
.core-values { background: var(--cream); }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }
.value-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px 24px; text-align: center; box-shadow: var(--shadow);
}
.value-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; border-radius: 50%; margin-bottom: 14px;
  background: var(--navy); color: var(--gold-light);
}
.value-icon svg { width: 24px; height: 24px; }
.value-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.value-card p { color: var(--muted); font-size: 0.9rem; margin: 0; }
@media (max-width: 720px) {
  .values-grid { grid-template-columns: 1fr; }
  .process-step { gap: 14px; }
  .process-icon { width: 44px; height: 44px; }
}

/* ---------- Calculators section ---------- */
.calc-tabs { display: flex; gap: 8px; margin: 24px 0 20px; flex-wrap: wrap; }
.calc-tab {
  background: #fff; border: 1px solid var(--border, #ddd6c6); color: var(--navy);
  padding: 10px 18px; border-radius: 24px; font-size: 0.88rem; cursor: pointer; font-weight: 600;
}
.calc-tab.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.calc-panel { display: none; background: #fff; border: 1px solid var(--border, #e5e0d5); border-radius: 14px; padding: 24px; }
.calc-panel.active { display: block; }
.calc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 20px; }
.calc-grid label { font-size: 0.82rem; color: var(--muted, #666); display: flex; flex-direction: column; gap: 6px; }
.calc-grid input {
  padding: 10px 12px; border: 1px solid var(--border, #ddd6c6); border-radius: 8px; font-size: 0.95rem;
}
.calc-result {
  display: flex; flex-wrap: wrap; gap: 16px; background: var(--cream, #f7f5f0);
  border-radius: 10px; padding: 16px; margin-bottom: 12px;
}
.calc-result > div { flex: 1; min-width: 140px; }
.calc-result span { display: block; font-size: 0.78rem; color: var(--muted, #666); }
.calc-result strong { font-size: 1.25rem; color: var(--navy); }
.calc-disclaimer { font-size: 0.78rem; color: var(--muted, #888); margin: 0; }
@media (max-width: 720px) {
  .calc-grid { grid-template-columns: 1fr; }
}

/* ---------- FAQ accordion ---------- */
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: #fff; border: 1px solid var(--border, #e5e0d5); border-radius: 10px; padding: 14px 18px;
}
.faq-item summary {
  cursor: pointer; font-weight: 600; color: var(--navy); list-style: none;
  display: flex; justify-content: space-between; align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; font-size: 1.2rem; color: var(--gold, #b8952f); }
.faq-item[open] summary::after { content: '−'; }
.faq-item p { margin: 12px 0 0; font-size: 0.88rem; color: #444; line-height: 1.55; }
.faq-item a { color: var(--navy); font-weight: 600; }

/* ---------- ICICI Lombard theme: General Insurance services section ---------- */
.services-strip {
  background: linear-gradient(180deg, #ffffff 0%, #fdf3f2 100%);
  border-top: 4px solid #B21F24;
}
.services-strip .eyebrow {
  color: #B21F24;
  background: rgba(178, 31, 36, 0.09);
}
.services-strip .section-head h2 { color: #7A1418; }
.services-strip .service-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; border-radius: 50%;
  background: rgba(178, 31, 36, 0.1); color: #B21F24;
}
.services-strip .service-card { border-color: rgba(178, 31, 36, 0.15); }
.services-strip .service-card:hover { border-color: #B21F24; }
.services-strip .link-arrow { color: #B21F24; }

/* ---------- SBI Life theme: Life Insurance / SBI Life Mitra section ---------- */
.lifemitra-embed {
  background: linear-gradient(180deg, #eaf1fb 0%, #ffffff 100%);
  border-top: 4px solid #1B4F9C;
}
.lifemitra-embed .eyebrow {
  color: #1B4F9C;
  background: rgba(27, 79, 156, 0.1);
}
.lifemitra-embed .section-head h2 { color: #0F335F; }
.lifemitra-frame-wrap {
  border-color: #1B4F9C;
  box-shadow: 0 10px 30px rgba(27, 79, 156, 0.18);
}
.lifemitra-fallback a { color: #1B4F9C; }