/* ================= VARIABLES & RESET ================= */
        :root {
            --primary-blue: #25aae2;
            --primary-green: #8cc63e;
            --gradient: linear-gradient(135deg, #25aae2 0%, #8cc63e 100%);
            --dark: #0f172a;
            --gray: #64748b;
            --light-bg: #f8fafc;
            --white: #ffffff;
            --glass-bg: rgba(255, 255, 255, 0.85);
            --glass-border: rgba(255, 255, 255, 0.2);
            --shadow: 0 20px 40px rgba(0, 0, 0, 0.05);
        }

        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
            font-family: 'Poppins', sans-serif;
        }

        html { scroll-behavior: smooth; }

        body {
            background-color: var(--light-bg);
            color: var(--dark);
            overflow-x: hidden;
        }

        .container {
            width: 90%;
            max-width: 1250px;
            margin: 0 auto;
        }

        /* ================= ANIMATIONS ================= */
        @keyframes float {
            0% { transform: translateY(0px); }
            50% { transform: translateY(-15px); }
            100% { transform: translateY(0px); }
        }

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

        @keyframes glow {
            0% { box-shadow: 0 0 10px rgba(37, 170, 226, 0.2); }
            50% { box-shadow: 0 0 25px rgba(140, 198, 62, 0.5); }
            100% { box-shadow: 0 0 10px rgba(37, 170, 226, 0.2); }
        }

        .reveal {
            opacity: 0;
            transform: translateY(40px);
            transition: all 0.8s cubic-bezier(0.5, 0, 0, 1);
        }
        .reveal.active {
            opacity: 1;
            transform: translateY(0);
        }

        /* ================= TYPOGRAPHY & BUTTONS ================= */
        .section-title {
            text-align: center;
            font-size: 2.5rem;
            font-weight: 700;
            margin-bottom: 3rem;
            color: var(--dark);
        }

        .section-title span {
            background: var(--gradient);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .btn {
            display: inline-block;
            background: var(--gradient);
            color: var(--white);
            padding: 14px 35px;
            border-radius: 50px;
            font-weight: 600;
            font-size: 1rem;
            border: none;
            cursor: pointer;
            transition: all 0.3s ease;
            box-shadow: 0 10px 20px rgba(37, 170, 226, 0.3);
            text-decoration: none;
        }

        .btn:hover {
            transform: translateY(-3px) scale(1.02);
            box-shadow: 0 15px 25px rgba(140, 198, 62, 0.4);
        }

        /* ================= HEADER & MOBILE NAV ================= */
        header {
            position: fixed;
            top: 0;
            width: 100%;
            z-index: 1000;
            background: var(--glass-bg);
            backdrop-filter: blur(15px);
            border-bottom: 1px solid var(--glass-border);
            transition: all 0.3s ease;
        }

        .header-container {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 15px 0;
        }

        .logo img { height: 45px; transition: transform 0.3s; }
        .logo:hover img { transform: scale(1.05); }

        .nav-links { display: flex; gap: 30px; list-style: none; align-items: center; }
        .nav-links a {
            color: var(--dark);
            font-weight: 500;
            text-decoration: none;
            position: relative;
            padding-bottom: 5px;
            transition: color 0.3s;
        }

        .nav-links a::after {
            content: ''; position: absolute; bottom: 0; left: 0;
            width: 0%; height: 2px; background: var(--gradient);
            transition: width 0.3s ease;
        }
        .nav-links a:hover { color: var(--primary-blue); }
        .nav-links a:hover::after { width: 100%; }

        .menu-toggle {
            display: none;
            cursor: pointer;
            flex-direction: column;
            gap: 5px;
            z-index: 1001;
        }
        .menu-toggle span {
            width: 25px; height: 3px;
            background: var(--dark);
            border-radius: 5px;
            transition: all 0.3s ease;
        }

        /* ================= FULL PAGE HERO SLIDER ================= */
        .hero {
            position: relative;
            min-height: 100vh;
            display: flex;
            align-items: center;
            overflow: hidden;
            padding: 0;
            background: var(--dark);
        }

        .slides-container {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
        }

        .slide {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            opacity: 0;
            transition: opacity 1s ease-in-out;
            display: flex;
            align-items: center;
            z-index: 0;
        }

        .slide.active {
            opacity: 1;
            z-index: 1;
        }

        .slide-bg {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            object-fit: cover;
            z-index: -2;
            transform: scale(1.1);
            transition: transform 6s linear;
        }

        .slide.active .slide-bg {
            transform: scale(1);
        }

        .slide-overlay {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            /* Dark gradient on the left to make text pop, fading to transparent on the right */
            background: linear-gradient(90deg, rgba(15, 23, 42, 0.95) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(15, 23, 42, 0.2) 100%);
            z-index: -1;
        }

        .slide-content {
            position: relative;
            z-index: 2;
            width: 100%;
            padding-top: 80px; /* Accounts for fixed header */
        }

        .hero-text {
            max-width: 650px;
        }

        .hero-text h1 {
            font-size: 4.2rem;
            line-height: 1.1;
            margin-bottom: 25px;
            font-weight: 800;
            color: var(--white);
        }

        .hero-text h1 span {
            background: var(--gradient);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .hero-text p { 
            font-size: 1.2rem; 
            color: #e2e8f0; 
            margin-bottom: 35px; 
            line-height: 1.6;
        }

        .hero-buttons {
            display: flex;
            gap: 20px;
            flex-wrap: wrap;
        }

        .btn-outline {
            background: transparent;
            border: 2px solid var(--white);
            box-shadow: none;
        }

        .btn-outline:hover {
            background: var(--white);
            color: var(--dark);
            box-shadow: 0 10px 20px rgba(255, 255, 255, 0.2);
        }

        .slider-dots {
            position: absolute;
            bottom: 40px;
            left: 50%;
            transform: translateX(-50%);
            display: flex;
            gap: 12px;
            z-index: 10;
        }

        .dot {
            width: 12px;
            height: 12px;
            background: rgba(255, 255, 255, 0.3);
            border-radius: 50%;
            cursor: pointer;
            transition: all 0.3s ease;
            border: 2px solid transparent;
        }

        .dot.active {
            background: var(--primary-green);
            transform: scale(1.4);
            border-color: var(--white);
        }

        /* ================= ABOUT US SECTION ================= */
        .about-section { padding: 100px 0; background: var(--white); }
        .about-grid { display: flex; align-items: center; gap: 60px; }
        .about-img-wrapper { flex: 1; position: relative; }
        .about-img-wrapper img {
            width: 100%; border-radius: 20px; box-shadow: 0 20px 50px rgba(0,0,0,0.1);
            position: relative; z-index: 2;
        }
        .about-img-wrapper::after {
            content: ''; position: absolute; bottom: -20px; right: -20px;
            width: 100%; height: 100%; border: 4px solid var(--primary-green);
            border-radius: 20px; z-index: 1;
        }
        .about-text { flex: 1; }
        .about-text h2 { font-size: 2.5rem; margin-bottom: 20px; font-weight: 700; color: var(--dark); }
        .about-text h2 span { color: var(--primary-blue); }
        .about-text p { color: var(--gray); font-size: 1.1rem; line-height: 1.8; margin-bottom: 20px; }
        .about-stats { display: flex; gap: 30px; margin-top: 30px; }
        .stat-item h4 { font-size: 2rem; color: var(--primary-green); font-weight: 800; }
        .stat-item p { font-size: 0.9rem; color: var(--gray); font-weight: 500;}

        /* ================= CIBIL CHECK ================= */
        .cibil-section { padding: 80px 0; }
        .cibil-wrapper {
            background: var(--dark); border-radius: 30px; padding: 60px;
            display: flex; align-items: center; justify-content: space-between;
            box-shadow: var(--shadow); position: relative; overflow: hidden;
        }
        .cibil-wrapper::after {
            content: ''; position: absolute; top: -50%; right: -10%;
            width: 500px; height: 500px; border-radius: 50%;
            background: var(--gradient); filter: blur(80px); opacity: 0.4;
            animation: float 8s infinite alternate;
        }
        .cibil-text { flex: 1; color: var(--white); z-index: 2; padding-right: 40px;}
        .cibil-text h2 { font-size: 2.5rem; margin-bottom: 15px; }
        .cibil-text p { color: #cbd5e1; font-size: 1.1rem; }

        .cibil-form-box {
            flex: 1; background: rgba(255, 255, 255, 0.1); backdrop-filter: blur(20px);
            padding: 40px; border-radius: 20px; border: 1px solid rgba(255, 255, 255, 0.2);
            z-index: 2; animation: glow 3s infinite;
        }
        .input-box { margin-bottom: 20px; }
        .input-box input {
            width: 100%; padding: 15px 20px; border-radius: 10px;
            background: rgba(255, 255, 255, 0.05); border: 1px solid rgba(255, 255, 255, 0.2);
            color: var(--white); font-size: 1rem; outline: none; transition: all 0.3s ease;
        }
        .input-box input::placeholder { color: #94a3b8; }
        .input-box input:focus { border-color: var(--primary-green); background: rgba(255, 255, 255, 0.1); }
        .btn-full { width: 100%; text-align: center; }

        /* ================= EMI CALCULATOR ================= */
        .emi-section { padding: 100px 0; background: var(--white); }
        .calculator-card {
            background: var(--white); border-radius: 30px; box-shadow: 0 30px 60px rgba(0,0,0,0.08);
            padding: 50px; max-width: 900px; margin: 0 auto; border: 1px solid #f1f5f9;
        }
        .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
        .range-group { margin-bottom: 35px; }
        .range-header { display: flex; justify-content: space-between; margin-bottom: 15px; font-weight: 600;}
        .range-val { color: var(--primary-blue); font-size: 1.1rem; background: var(--light-bg); padding: 5px 15px; border-radius: 8px;}
        
        input[type="range"] {
            width: 100%; height: 8px; background: #e2e8f0; border-radius: 10px; outline: none; -webkit-appearance: none;
        }
        input[type="range"]::-webkit-slider-thumb {
            -webkit-appearance: none; width: 25px; height: 25px; background: var(--gradient); border-radius: 50%;
            cursor: pointer; box-shadow: 0 4px 10px rgba(37, 170, 226, 0.4); border: 3px solid var(--white);
        }

        .result-panel {
            background: var(--gradient); padding: 40px; border-radius: 20px; text-align: center; color: var(--white);
            box-shadow: 0 20px 40px rgba(140, 198, 62, 0.3); animation: float 6s infinite alternate;
        }
        .result-panel h4 { font-size: 1.1rem; font-weight: 400; margin-bottom: 10px; opacity: 0.9;}
        .result-panel h2 { font-size: 3rem; font-weight: 700; margin-bottom: 20px;}

        /* ================= WHY CHOOSE US ================= */
        .features-section { padding: 100px 0; }
        .features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 40px; }
        .feature-item {
            background: var(--white); padding: 40px; border-radius: 20px; box-shadow: var(--shadow);
            text-align: center; transition: all 0.4s ease; border-top: 5px solid transparent;
        }
        .feature-item:hover { transform: translateY(-10px); border-top: 5px solid var(--primary-blue); }
        .feature-item:nth-child(2):hover { border-top-color: var(--primary-green); }
        .f-icon {
            width: 80px; height: 80px; margin: 0 auto 20px; background: var(--light-bg); border-radius: 50%;
            display: flex; align-items: center; justify-content: center; font-size: 2rem;
            transition: transform 0.5s ease;
        }
        .feature-item:hover .f-icon { transform: rotate(360deg) scale(1.1); background: var(--gradient); color: var(--white); }
        .feature-item h3 { font-size: 1.4rem; margin-bottom: 15px; }
        .feature-item p { color: var(--gray); line-height: 1.7; }

        /* ================= TYPES OF LOANS ================= */
        .loans-section { padding: 100px 0; background: var(--white); }
        .loan-grid {
            display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 30px;
        }
        .loan-card {
            background: var(--light-bg); padding: 35px 20px; border-radius: 20px; text-align: center;
            box-shadow: 0 10px 30px rgba(0,0,0,0.02); transition: all 0.4s ease; position: relative; z-index: 1;
            border: 1px solid #f1f5f9;
        }
        .loan-card::before {
            content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 100%;
            background: var(--gradient); border-radius: 20px; opacity: 0; z-index: -1; transition: opacity 0.4s ease;
        }
        .loan-card:hover { transform: translateY(-10px); box-shadow: 0 15px 30px rgba(37, 170, 226, 0.2); }
        .loan-card:hover::before { opacity: 1; }
        .loan-card:hover h3 { color: var(--white); }
        .loan-card:hover .icon-wrapper svg path { fill: var(--white); }

        .icon-wrapper {
            width: 70px; height: 70px; background: var(--white); border-radius: 50%;
            display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.05); transition: all 0.4s ease;
        }
        .loan-card:hover .icon-wrapper { background: rgba(255,255,255,0.2); transform: scale(1.1); box-shadow: none;}
        .icon-wrapper svg { width: 35px; height: 35px; }
        .loan-card h3 { font-size: 1.1rem; transition: color 0.4s; font-weight: 600; }

        /* ================= TOP BANKS ================= */
        .top-banks {
            padding: 50px 0; background: var(--white); border-top: 1px solid #eee; overflow: hidden; display: flex;
        }
        .marquee-track {
            display: flex; width: 200%; animation: scroll 20s linear infinite; align-items: center;
        }
        .marquee-track:hover { animation-play-state: paused; }
        .bank-logo { flex: 1; display: flex; justify-content: center; padding: 0 40px; }
        .bank-logo img {
            height: 45px; object-fit: contain; filter: grayscale(100%); opacity: 0.5; transition: all 0.4s ease; cursor: pointer;
        }
        .bank-logo img:hover { filter: grayscale(0%); opacity: 1; transform: scale(1.1); }

        /* ================= CORPORATE FOOTER ================= */
        footer {
            background: var(--dark); padding: 70px 0 20px; color: #94a3b8; font-size: 0.95rem;
        }
        .footer-grid {
            display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 40px; margin-bottom: 40px;
        }
        .footer-logo { margin-bottom: 20px; filter: brightness(0) invert(1); height: 45px;}
        .footer-col h4 {
            color: var(--white); font-size: 1.2rem; margin-bottom: 25px; position: relative; padding-bottom: 10px;
        }
        .footer-col h4::after {
            content: ''; position: absolute; left: 0; bottom: 0; width: 40px; height: 3px; background: var(--primary-green);
        }
        .footer-col ul { list-style: none; }
        .footer-col ul li { margin-bottom: 12px; }
        .footer-col ul li a {
            color: #94a3b8; text-decoration: none; transition: color 0.3s, padding-left 0.3s; display: inline-block;
        }
        .footer-col ul li a:hover { color: var(--primary-blue); padding-left: 8px; }
        .contact-info p { margin-bottom: 15px; display: flex; align-items: center; gap: 10px; }
        .footer-bottom {
            text-align: center; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.85rem;
        }

        /* ================= MOBILE RESPONSIVENESS ================= */
        @media (max-width: 992px) {
            .hero-text h1 { font-size: 3rem; }
            .hero-text { text-align: center; margin: 0 auto; }
            .hero-buttons { justify-content: center; }
            .slide-overlay { background: rgba(15, 23, 42, 0.7); } /* Darker evenly on mobile */
            
            .cibil-wrapper, .calc-grid, .about-grid { flex-direction: column; text-align: center; }
            
            /* Hamburger Menu */
            .menu-toggle { display: flex; }
            .nav-links {
                position: fixed; top: 75px; right: -100%; width: 100%; height: calc(100vh - 75px);
                background: var(--glass-bg); backdrop-filter: blur(20px); flex-direction: column;
                justify-content: center; align-items: center; gap: 40px; transition: right 0.4s ease;
            }
            .nav-links.active { right: 0; }
            .nav-links a { font-size: 1.5rem; }
            .nav-links .btn { font-size: 1.2rem; text-align: center; }
            
            .cibil-text { padding-right: 0; margin-bottom: 30px; }
            .about-img-wrapper { margin-bottom: 30px; }
            .about-stats { justify-content: center; }
            
            .footer-grid { grid-template-columns: 1fr; text-align: center; }
            .footer-col h4::after { left: 50%; transform: translateX(-50%); }
            .contact-info p { justify-content: center; }

            .section-title { font-size: 2rem; margin-bottom: 2rem; }
            .loans-section, .about-section, .features-section, .cibil-section, .emi-section { padding: 60px 0; }
        }
        @media (max-width: 576px) {
            .hero-text h1 { font-size: 2.2rem; }
            .hero-text p { font-size: 1rem; }
            .hero-buttons .btn { width: 100%; }
            .calc-grid {grid-template-columns: 1fr;}
        }
        
        /* ================= ABOUT HERO BANNER ================= */
        .about-hero {
            padding: 180px 0 100px;
            background: radial-gradient(circle at top right, rgba(37, 170, 226, 0.15), transparent 50%),
                        radial-gradient(circle at bottom left, rgba(140, 198, 62, 0.15), transparent 50%);
            text-align: center;
            position: relative;
        }
        .about-hero h1 { font-size: 3.5rem; font-weight: 800; margin-bottom: 20px; color: var(--dark); }
        .about-hero p { font-size: 1.2rem; color: var(--gray); max-width: 800px; margin: 0 auto; line-height: 1.8; }
        
        /* Floating Shapes */
        .shape { position: absolute; border-radius: 50%; filter: blur(60px); z-index: -1; animation: float 10s ease-in-out infinite alternate; }
        .shape-1 { width: 300px; height: 300px; background: var(--primary-blue); top: 10%; right: 10%; opacity: 0.2; }
        .shape-2 { width: 250px; height: 250px; background: var(--primary-green); bottom: 10%; left: 10%; opacity: 0.2; }

        /* ================= 3 PILLARS (INFO CARDS) ================= */
        .pillars-section { margin-top: -60px; padding-bottom: 80px; position: relative; z-index: 10; }
        .pillars-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 30px; }
        .pillar-card {
            background: var(--white); padding: 40px 30px; border-radius: 20px;
            box-shadow: 0 15px 35px rgba(0,0,0,0.06); text-align: center;
            transition: transform 0.4s ease, border-bottom 0.4s ease;
            border-bottom: 4px solid transparent;
        }
        .pillar-card:hover { transform: translateY(-10px); border-bottom: 4px solid var(--primary-blue); }
        .pillar-card:nth-child(2):hover { border-bottom: 4px solid var(--primary-green); }
        .pillar-icon {
            width: 70px; height: 70px; margin: 0 auto 20px; background: var(--light-bg);
            border-radius: 50%; display: flex; align-items: center; justify-content: center;
        }
        .pillar-icon svg { width: 35px; height: 35px; }
        .pillar-card h3 { font-size: 1.4rem; margin-bottom: 15px; }
        .pillar-card p { color: var(--gray); font-size: 0.95rem; }

        /* ================= SPLIT SECTIONS (WHO WE ARE / WHAT WE DO) ================= */
        .split-section { padding: 80px 0; background: var(--white); }
        .split-section.bg-light { background: var(--light-bg); }
        .split-grid { display: flex; align-items: center; gap: 60px; }
        .split-grid.reverse { flex-direction: row-reverse; }
        .split-image { flex: 1; position: relative; }
        .split-image img { width: 100%; border-radius: 20px; box-shadow: var(--shadow); z-index: 2; position: relative; animation: float 6s infinite ease-in-out; }
        .split-image::after {
            content: ''; position: absolute; bottom: -20px; right: -20px; width: 100%; height: 100%;
            border: 4px solid var(--primary-green); border-radius: 20px; z-index: 1;
        }
        .split-grid.reverse .split-image::after { right: auto; left: -20px; border-color: var(--primary-blue); }
        .split-text { flex: 1; }
        .split-text p { color: var(--gray); font-size: 1.1rem; line-height: 1.8; margin-bottom: 20px; }
        
        .stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 30px; }
        .stat-box { background: var(--light-bg); padding: 20px; border-radius: 12px; border-left: 4px solid var(--primary-blue); }
        .stat-box h4 { font-size: 1.8rem; color: var(--dark); font-weight: 800; }
        .stat-box p { color: var(--gray); font-size: 0.9rem; font-weight: 500; margin: 0;}

        /* ================= HOW IT WORKS / PHILOSOPHY ================= */
        .philosophy-section { padding: 100px 0; background: var(--dark); color: var(--white); text-align: center; }
        .philosophy-section .section-title { color: var(--white); }
        .phil-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; margin-top: 50px; }
        .phil-card {
            background: rgba(255,255,255,0.05); padding: 40px 20px; border-radius: 20px;
            border: 1px solid rgba(255,255,255,0.1); transition: all 0.4s ease; backdrop-filter: blur(10px);
        }
        .phil-card:hover { transform: translateY(-10px); background: rgba(255,255,255,0.1); border-color: var(--primary-green); }
        .phil-card h3 { color: var(--primary-blue); margin-bottom: 15px; font-size: 1.3rem; }
        .phil-card p { color: #cbd5e1; font-size: 0.95rem; }

        /* ================= TESTIMONIALS ================= */
        .testimonials { padding: 100px 0; background: var(--white); }
        .test-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 40px; }
        .test-card {
            background: var(--light-bg); padding: 40px; border-radius: 20px;
            box-shadow: 0 10px 30px rgba(0,0,0,0.03); position: relative; border-top: 5px solid var(--primary-green);
        }
        .test-card::before {
            content: '❝'; position: absolute; top: 20px; right: 30px; font-size: 4rem; color: rgba(37, 170, 226, 0.1);
        }
        .stars { color: #f59e0b; font-size: 1.2rem; margin-bottom: 15px; }
        .test-card p { font-style: italic; color: var(--gray); margin-bottom: 20px; line-height: 1.7; }
        .client-info { display: flex; align-items: center; gap: 15px; }
        .client-info img { width: 50px; height: 50px; border-radius: 50%; object-fit: cover; }
        .client-info h4 { color: var(--dark); font-size: 1rem; margin-bottom: 2px;}
        .client-info span { color: var(--primary-blue); font-size: 0.85rem; font-weight: 600;}

        /* ================= GET IN TOUCH FORM ================= */
        .contact-section { padding: 80px 0; background: var(--light-bg); }
        .contact-wrapper {
            display: flex; background: var(--white); border-radius: 30px; box-shadow: var(--shadow); overflow: hidden;
        }
        .contact-info-panel {
            flex: 1; background: var(--gradient); color: var(--white); padding: 60px;
            display: flex; flex-direction: column; justify-content: center; position: relative;
        }
        .contact-info-panel h3 { font-size: 2.5rem; margin-bottom: 20px; }
        .contact-info-panel p { opacity: 0.9; margin-bottom: 15px; line-height: 1.7; font-size: 1.1rem; }
        .contact-form-box { flex: 1.5; padding: 60px; }
        .form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
        .input-group { margin-bottom: 20px; }
        .input-group.full { grid-column: span 2; }
        .contact-form-box input, .contact-form-box textarea {
            width: 100%; padding: 15px 20px; border-radius: 10px; border: 1px solid #e2e8f0;
            background: var(--light-bg); outline: none; transition: all 0.3s ease; font-size: 1rem;
        }
        .contact-form-box input:focus, .contact-form-box textarea:focus {
            border-color: var(--primary-blue); box-shadow: 0 0 0 3px rgba(37, 170, 226, 0.1); background: var(--white);
        }
        .contact-form-box textarea { height: 120px; resize: none; }
        
        /* ================= RESPONSIVE ================= */
        @media (max-width: 992px) {
            .split-grid, .split-grid.reverse, .contact-wrapper { flex-direction: column; }
            .form-grid { grid-template-columns: 1fr; }
            .input-group.full { grid-column: span 1; }
            .about-hero { padding: 140px 0 80px; }
            .about-hero h1 { font-size: 2.8rem; }
        }
        
        /* === HERO BANNER === */
        .contact-hero {
            padding: 180px 0 80px; text-align: center; position: relative;
            background: radial-gradient(circle at top right, rgba(37, 170, 226, 0.1), transparent 40%),
                        radial-gradient(circle at bottom left, rgba(140, 198, 62, 0.1), transparent 40%);
        }
        .contact-hero h1 { font-size: 3.5rem; font-weight: 800; color: var(--dark); line-height: 1.2; margin-bottom: 20px; }
        .contact-hero p { max-width: 700px; margin: 0 auto; font-size: 1.15rem; color: var(--gray); }

        /* Floating Shapes */
        .shape { position: absolute; border-radius: 50%; filter: blur(60px); z-index: -1; animation: float 10s ease-in-out infinite alternate; }
        .shape-1 { width: 250px; height: 250px; background: var(--primary-blue); top: 20%; right: 10%; opacity: 0.2; }
        .shape-2 { width: 200px; height: 200px; background: var(--primary-green); bottom: 10%; left: 15%; opacity: 0.2; }

        /* === CONTACT SECTION (SPLIT LAYOUT) === */
        .contact-main { padding: 60px 0 100px; }
        .contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 50px; align-items: stretch; }
        
        /* Left Panel - Info Cards */
        .info-panel { display: flex; flex-direction: column; gap: 30px; }
        .info-card {
            background: var(--white); padding: 40px 30px; border-radius: 20px;
            box-shadow: var(--shadow); border: 1px solid #f1f5f9;
            transition: transform 0.3s ease, border-color 0.3s ease;
        }
        .info-card:hover { transform: translateY(-5px); border-color: var(--primary-blue); }
        .icon-box {
            width: 60px; height: 60px; border-radius: 50%; background: var(--light-bg);
            display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
        }
        .icon-box svg { width: 28px; height: 28px; fill: url(#iconGradient); }
        .info-card h4 { font-size: 1.3rem; margin-bottom: 10px; color: var(--dark); }
        .info-card p { font-size: 1rem; margin: 0; line-height: 1.6; }

        /* Right Panel - Form */
        .form-panel {
            background: var(--white); padding: 50px; border-radius: 20px;
            box-shadow: var(--shadow); border: 1px solid #f1f5f9;
        }
        .form-panel h3 { font-size: 2rem; margin-bottom: 15px; color: var(--dark); }
        .form-panel > p { margin-bottom: 30px; }

        .form-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
        .input-full { grid-column: span 2; }
        
        .input-group label { display: block; font-weight: 500; margin-bottom: 8px; font-size: 0.9rem; color: var(--dark); }
        
        .form-panel input, .form-panel select, .form-panel textarea {
            width: 100%; padding: 15px 20px; border-radius: 10px; border: 1px solid #cbd5e1;
            background: var(--light-bg); font-size: 1rem; outline: none; transition: all 0.3s;
            font-family: 'Poppins', sans-serif; color: var(--dark);
        }
        .form-panel input:focus, .form-panel select:focus, .form-panel textarea:focus {
            border-color: var(--primary-blue); background: var(--white);
            box-shadow: 0 0 0 4px rgba(37, 170, 226, 0.1);
        }
        .form-panel select { cursor: pointer; appearance: none; }
        .form-panel textarea { height: 140px; resize: none; }
        
        /* === RESPONSIVE === */
        @media (max-width: 992px) {
            .contact-grid { grid-template-columns: 1fr; }
            .form-layout { grid-template-columns: 1fr; }
            .input-full { grid-column: span 1; }
            .contact-hero h1 { font-size: 2.8rem; }
            .form-panel { padding: 30px; }
        }
        
        /* === HERO BANNER === */
        .calc-hero {
            padding: 180px 0 60px; text-align: center; position: relative;
            background: radial-gradient(circle at top left, rgba(37, 170, 226, 0.08), transparent 40%),
                        radial-gradient(circle at bottom right, rgba(140, 198, 62, 0.08), transparent 40%);
        }
        .calc-hero h1 { font-size: 3.5rem; font-weight: 800; color: var(--dark); margin-bottom: 20px; }
        .calc-hero p { max-width: 700px; margin: 0 auto; font-size: 1.15rem; color: var(--gray); }
        .shape { position: absolute; border-radius: 50%; filter: blur(60px); z-index: -1; animation: float 10s ease-in-out infinite alternate; }
        .shape-1 { width: 300px; height: 300px; background: var(--primary-blue); top: 10%; right: 5%; opacity: 0.15; }
        .shape-2 { width: 250px; height: 250px; background: var(--primary-green); bottom: 10%; left: 5%; opacity: 0.15; }

        /* === CALCULATOR MAIN SECTION === */
        .calc-section { padding: 40px 0 80px; }
        .calc-dashboard {
            background: var(--white); border-radius: 30px; box-shadow: var(--shadow);
            border: 1px solid #f1f5f9; overflow: hidden; display: flex; flex-wrap: wrap;
        }

        /* LEFT: Sliders & Inputs */
        .calc-inputs { flex: 1.2; padding: 50px; border-right: 1px solid #f1f5f9; min-width: 300px; }
        .input-block { margin-bottom: 40px; }
        .input-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 15px; }
        .input-header label { font-weight: 600; font-size: 1.1rem; color: var(--dark); }
        
        .val-input-wrapper {
            display: flex; align-items: center; background: var(--light-bg); border-radius: 10px;
            border: 1px solid #cbd5e1; overflow: hidden; transition: all 0.3s;
        }
        .val-input-wrapper:focus-within { border-color: var(--primary-blue); box-shadow: 0 0 0 3px rgba(37, 170, 226, 0.1); }
        .val-prefix { padding: 10px 15px; background: #e2e8f0; font-weight: 600; color: var(--gray); }
        .val-input-wrapper input[type="number"] {
            border: none; background: transparent; padding: 10px 15px; font-size: 1.1rem;
            font-weight: 700; color: var(--primary-blue); width: 150px; outline: none;
        }

        /* Range Slider Styling */
        input[type="range"] {
            width: 100%; height: 8px; background: #e2e8f0; border-radius: 10px; outline: none; -webkit-appearance: none; margin-top: 10px;
        }
        input[type="range"]::-webkit-slider-thumb {
            -webkit-appearance: none; width: 25px; height: 25px; background: var(--gradient); border-radius: 50%;
            cursor: pointer; box-shadow: 0 4px 10px rgba(37, 170, 226, 0.4); border: 3px solid var(--white); transition: transform 0.1s;
        }
        input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
        .range-labels { display: flex; justify-content: space-between; font-size: 0.85rem; color: var(--gray); margin-top: 8px; }

        /* RIGHT: Results & Chart */
        .calc-results { flex: 1; padding: 50px; background: var(--light-bg); display: flex; flex-direction: column; align-items: center; justify-content: center; min-width: 300px; }
        
        .emi-box { text-align: center; margin-bottom: 40px; }
        .emi-box h4 { color: var(--gray); font-weight: 500; font-size: 1.1rem; margin-bottom: 10px; }
        .emi-box h2 { color: var(--primary-blue); font-size: 3rem; font-weight: 800; line-height: 1; }
        
        /* Pure CSS Dynamic Pie Chart */
        .chart-container { position: relative; width: 220px; height: 220px; margin-bottom: 40px; }
        .pie-chart {
            width: 100%; height: 100%; border-radius: 50%;
            /* --p is updated via JS based on Interest Percentage */
            background: conic-gradient(var(--primary-blue) 0% var(--p), var(--primary-green) var(--p) 100%);
            box-shadow: 0 10px 20px rgba(0,0,0,0.1);
            position: relative; transition: background 0.5s ease;
        }
        .pie-chart::after {
            content: ''; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
            width: 60%; height: 60%; background: var(--light-bg); border-radius: 50%; box-shadow: inset 0 5px 10px rgba(0,0,0,0.05);
        }

        .chart-legend { width: 100%; }
        .legend-item { display: flex; justify-content: space-between; margin-bottom: 15px; font-weight: 500; padding-bottom: 10px; border-bottom: 1px dashed #cbd5e1; }
        .legend-item:last-child { border-bottom: none; }
        .indicator { display: inline-block; width: 12px; height: 12px; border-radius: 50%; margin-right: 8px; }
        .ind-prin { background: var(--primary-green); }
        .ind-int { background: var(--primary-blue); }
        .legend-val { font-weight: 700; color: var(--dark); }

        /* === AMORTIZATION SCHEDULE TABLE === */
        .amortization-section { padding: 60px 0; }
        .table-wrapper {
            background: var(--white); border-radius: 20px; box-shadow: var(--shadow);
            overflow: hidden; border: 1px solid #f1f5f9; overflow-x: auto;
        }
        table { width: 100%; border-collapse: collapse; text-align: left; }
        thead { background: var(--gradient); color: var(--white); }
        th, td { padding: 18px 25px; border-bottom: 1px solid #e2e8f0; font-size: 0.95rem; }
        th { font-weight: 600; letter-spacing: 0.5px; }
        tbody tr:last-child td { border-bottom: none; }
        tbody tr:hover { background: #f8fafc; }
        .td-bold { font-weight: 600; color: var(--dark); }

        /* === INFO SECTION === */
        .info-section { padding: 60px 0 100px; }
        .info-card { background: var(--white); padding: 50px; border-radius: 20px; box-shadow: var(--shadow); border-top: 4px solid var(--primary-blue); }
        .info-card h3 { font-size: 1.8rem; margin-bottom: 20px; color: var(--dark); }
        .info-card p { color: var(--gray); line-height: 1.8; margin-bottom: 20px; }
        .formula-box { background: var(--light-bg); padding: 25px; border-radius: 10px; font-size: 1.2rem; font-family: monospace; text-align: center; color: var(--primary-blue); font-weight: 700; border: 1px dashed #cbd5e1; margin-bottom: 20px; }
/* === RESPONSIVE === */
        @media (max-width: 992px) {
            .calc-dashboard { flex-direction: column; }
            .calc-inputs { border-right: none; border-bottom: 1px solid #f1f5f9; padding: 30px; }
            .calc-results { padding: 30px; }
            .calc-hero h1 { font-size: 2.8rem; }
        }
        
        /* ================= INTERNAL HERO ================= */
        .internal-hero {
            padding: 160px 0 80px;
            background: var(--dark);
            color: var(--white);
            text-align: center;
            position: relative;
            overflow: hidden;
        }

        .internal-hero::after {
            content: '';
            position: absolute;
            top: -50%;
            left: -10%;
            width: 500px;
            height: 500px;
            border-radius: 50%;
            background: var(--gradient);
            filter: blur(100px);
            opacity: 0.2;
            z-index: 1;
        }

        .internal-hero .container {
            position: relative;
            z-index: 2;
        }

        .internal-hero h1 {
            font-size: 3.5rem;
            font-weight: 800;
            margin-bottom: 20px;
        }

        .internal-hero h1 span {
            background: var(--gradient);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .internal-hero p {
            font-size: 1.1rem;
            color: #cbd5e1;
            max-width: 600px;
            margin: 0 auto;
        }

        /* ================= PARTNER SECTION ================= */
        .partner-section {
            padding: 100px 0;
            background: var(--light-bg);
            position: relative;
        }

        .partner-grid {
            display: grid;
            grid-template-columns: 1fr 1.2fr;
            gap: 60px;
            align-items: flex-start;
        }

        /* Partner Info / Benefits */
        .partner-info h2 {
            font-size: 2.5rem;
            color: var(--dark);
            margin-bottom: 25px;
            font-weight: 700;
        }

        .partner-info p {
            color: var(--gray);
            line-height: 1.7;
            margin-bottom: 40px;
            font-size: 1.05rem;
        }

        .benefits-list {
            list-style: none;
        }

        .benefit-item {
            display: flex;
            align-items: flex-start;
            gap: 15px;
            margin-bottom: 30px;
        }

        .benefit-icon {
            width: 50px;
            height: 50px;
            background: var(--white);
            border-radius: 12px;
            display: flex;
            align-items: center;
            justify-content: center;
            box-shadow: 0 10px 20px rgba(0,0,0,0.05);
            flex-shrink: 0;
            font-size: 1.5rem;
            color: var(--primary-blue);
        }

        .benefit-text h4 {
            font-size: 1.2rem;
            color: var(--dark);
            margin-bottom: 5px;
        }

        .benefit-text p {
            font-size: 0.95rem;
            color: var(--gray);
            margin-bottom: 0;
        }

        /* Form Box */
        .partner-form-wrapper {
            background: var(--white);
            padding: 50px;
            border-radius: 20px;
            box-shadow: 0 30px 60px rgba(0,0,0,0.08);
            border: 1px solid #f1f5f9;
            position: relative;
            animation: float 6s ease-in-out infinite alternate;
        }

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

        .input-group {
            margin-bottom: 25px;
        }

        .input-group label {
            display: block;
            margin-bottom: 8px;
            font-weight: 500;
            color: var(--dark);
            font-size: 0.95rem;
        }

        .input-control {
            width: 100%;
            padding: 15px 20px;
            border-radius: 10px;
            background: var(--light-bg);
            border: 1px solid #e2e8f0;
            color: var(--dark);
            font-size: 1rem;
            outline: none;
            transition: all 0.3s ease;
            font-family: 'Poppins', sans-serif;
        }

        .input-control::placeholder {
            color: #94a3b8;
        }

        .input-control:focus {
            border-color: var(--primary-blue);
            background: var(--white);
            box-shadow: 0 0 0 4px rgba(37, 170, 226, 0.1);
        }

        textarea.input-control {
            resize: vertical;
            min-height: 120px;
        }

        select.input-control {
            appearance: none;
            background-image: url("data:image/svg+xml;charset=US-ASCII,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22292.4%22%20height%3D%22292.4%22%3E%3Cpath%20fill%3D%22%2364748b%22%20d%3D%22M287%2069.4a17.6%2017.6%200%200%200-13-5.4H18.4c-5%200-9.3%201.8-12.9%205.4A17.6%2017.6%200%200%200%200%2082.2c0%205%201.8%209.3%205.4%2012.9l128%20127.9c3.6%203.6%207.8%205.4%2012.8%205.4s9.2-1.8%2012.8-5.4L287%2095c3.5-3.5%205.4-7.8%205.4-12.8%200-5-1.9-9.2-5.5-12.8z%22%2F%3E%3C%2Fsvg%3E");
            background-repeat: no-repeat;
            background-position: right 20px top 50%;
            background-size: 12px auto;
        }
        
        @media (max-width: 992px) {
            .partner-grid { grid-template-columns: 1fr; }
            .partner-info { text-align: center; margin-bottom: 40px; }
            .benefit-item { text-align: left; }
            .partner-form-wrapper { padding: 40px 25px; animation: none; }
            .contact-info p { justify-content: center; }
        }

        @media (max-width: 576px) {
            .form-row { grid-template-columns: 1fr; gap: 0; }
            .internal-hero h1 { font-size: 2.5rem; }
        }
        
        /* === HERO BANNER === */
        .page-hero {
            padding: 180px 0 80px; text-align: center; position: relative;
            background: radial-gradient(circle at top left, rgba(37, 170, 226, 0.08), transparent 40%),
                        radial-gradient(circle at bottom right, rgba(140, 198, 62, 0.08), transparent 40%);
        }
        .page-hero h1 { font-size: 3.5rem; font-weight: 800; color: var(--dark); margin-bottom: 20px; }
        .page-hero p { max-width: 700px; margin: 0 auto; font-size: 1.15rem; color: var(--gray); }

        .shape { position: absolute; border-radius: 50%; filter: blur(60px); z-index: -1; animation: float 10s ease-in-out infinite alternate; }
        .shape-1 { width: 300px; height: 300px; background: var(--primary-blue); top: 10%; right: 5%; opacity: 0.15; }
        .shape-2 { width: 250px; height: 250px; background: var(--primary-green); bottom: 10%; left: 5%; opacity: 0.15; }

        /* === TABS UI === */
        .tabs-section { padding: 40px 0 100px; }
        .tabs-nav { display: flex; justify-content: center; gap: 20px; margin-bottom: 50px; flex-wrap: wrap; }
        .tab-btn {
            padding: 16px 40px; border-radius: 50px; border: 2px solid transparent; background: var(--white);
            font-size: 1.1rem; font-weight: 600; cursor: pointer; color: var(--gray);
            box-shadow: 0 5px 20px rgba(0,0,0,0.04); transition: all 0.3s ease;
        }
        .tab-btn.active { background: var(--gradient); color: var(--white); box-shadow: 0 10px 25px rgba(37, 170, 226, 0.3); }
        .tab-btn:hover:not(.active) { border-color: var(--primary-blue); color: var(--primary-blue); transform: translateY(-3px); }
        
        .tab-content { display: none; animation: fadeIn 0.5s ease forwards; }
        .tab-content.active { display: block; }

        /* === LOAN PARTNERS GRID (TAB 1) === */
        .partners-grid-wrapper { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
        .partner-column { background: var(--white); padding: 40px; border-radius: 20px; box-shadow: var(--shadow); border-top: 5px solid var(--primary-blue); }
        .partner-column:nth-child(2) { border-top-color: var(--primary-green); }
        .partner-column h3 { font-size: 1.6rem; color: var(--dark); margin-bottom: 30px; text-align: center; }
        
        .partner-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 15px; }
        .partner-item {
            background: var(--light-bg); padding: 15px; border-radius: 10px; text-align: center; font-weight: 500;
            color: var(--dark); border: 1px solid #e2e8f0; transition: all 0.3s; display: flex; align-items: center; justify-content: center;
        }
        .partner-item:hover { transform: translateY(-3px); border-color: var(--primary-green); background: var(--white); box-shadow: 0 5px 15px rgba(0,0,0,0.05); }

        /* === GRIEVANCE ACCORDION (TAB 2) === */
        .grievance-wrapper { max-width: 900px; margin: 0 auto; }
        .accordion-item {
            background: var(--white); border-radius: 15px; margin-bottom: 20px; box-shadow: 0 5px 15px rgba(0,0,0,0.03); overflow: hidden; border: 1px solid #f1f5f9;
        }
        .accordion-header {
            width: 100%; text-align: left; padding: 25px 30px; background: transparent; border: none; font-size: 1.2rem;
            font-weight: 600; color: var(--dark); cursor: pointer; display: flex; justify-content: space-between; align-items: center;
            transition: background 0.3s ease;
        }
        .accordion-header:hover { background: var(--light-bg); color: var(--primary-blue); }
        .accordion-header::after {
            content: '+'; font-size: 1.8rem; font-weight: 300; transition: transform 0.3s; color: var(--primary-blue);
        }
        .accordion-header.active::after { transform: rotate(45deg); color: var(--primary-green); }
        
        .accordion-content { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; background: var(--light-bg); }
        .content-inner { padding: 30px; border-top: 1px solid #e2e8f0; }
        .level-block { margin-bottom: 25px; padding-bottom: 20px; border-bottom: 1px dashed #cbd5e1; }
        .level-block:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: none; }
        .level-block h4 { color: var(--primary-blue); font-size: 1.1rem; margin-bottom: 10px; }
        .content-inner p { color: var(--gray); font-size: 0.95rem; line-height: 1.7; margin-bottom: 8px; }
        .content-inner strong { color: var(--dark); }

        /* === TOP BANKS MARQUEE === */
        .top-banks { padding: 50px 0; background: var(--white); border-top: 1px solid #eee; overflow: hidden; display: flex; }
        .marquee-track { display: flex; width: 200%; animation: scroll 20s linear infinite; align-items: center; }
        .marquee-track:hover { animation-play-state: paused; }
        .bank-logo { flex: 1; display: flex; justify-content: center; padding: 0 40px; }
        .bank-logo img { height: 45px; object-fit: contain; filter: grayscale(100%); opacity: 0.5; transition: all 0.4s ease; cursor: pointer; }
        .bank-logo img:hover { filter: grayscale(0%); opacity: 1; transform: scale(1.1); }
        
        @media (max-width: 992px) {
            .partners-grid-wrapper { grid-template-columns: 1fr; }
            .page-hero h1 { font-size: 2.8rem; }
            .tab-btn { padding: 12px 25px; font-size: 1rem; }
        }
        
        /* === PRIVACY POLICY HERO === */
        .policy-hero {
            padding: 160px 0 60px; text-align: center; position: relative;
            background: radial-gradient(circle at top right, rgba(37, 170, 226, 0.08), transparent 40%),
                        radial-gradient(circle at bottom left, rgba(140, 198, 62, 0.08), transparent 40%);
        }
        .policy-hero h1 { font-size: 3rem; font-weight: 800; color: var(--dark); margin-bottom: 15px; }
        .policy-hero p { max-width: 600px; margin: 0 auto; font-size: 1.1rem; color: var(--gray); }
        .shape { position: absolute; border-radius: 50%; filter: blur(60px); z-index: -1; animation: float 10s ease-in-out infinite alternate; }
        .shape-1 { width: 250px; height: 250px; background: var(--primary-blue); top: 10%; right: 10%; opacity: 0.15; }
        .shape-2 { width: 200px; height: 200px; background: var(--primary-green); bottom: 10%; left: 10%; opacity: 0.15; }

        /* === PRIVACY POLICY MAIN CONTENT === */
        .policy-main { padding: 40px 0 100px; }
        .policy-wrapper {
            background: var(--white); padding: 60px; border-radius: 30px;
            box-shadow: var(--shadow); border: 1px solid #f1f5f9;
            max-width: 950px; margin: 0 auto; position: relative; overflow: hidden;
        }

        /* Decorative top gradient bar for the document */
        .policy-wrapper::before {
            content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 6px; background: var(--gradient);
        }

        .policy-intro { font-size: 1.05rem; color: var(--gray); line-height: 1.8; margin-bottom: 40px; text-align: center;}

        .policy-section {
            margin-bottom: 40px; padding-bottom: 40px; border-bottom: 1px dashed #e2e8f0;
        }
        .policy-section:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: none; }

        .policy-section h2 {
            font-size: 1.6rem; color: var(--dark); margin-bottom: 20px; display: flex; align-items: center; gap: 15px;
        }
        
        /* Section Numbers styling */
        .policy-section h2 .sec-num {
            display: inline-flex; align-items: center; justify-content: center;
            width: 40px; height: 40px; background: var(--light-bg); border-radius: 10px;
            color: var(--primary-blue); font-size: 1.2rem; font-weight: 800; border: 1px solid #cbd5e1;
        }

        .policy-section p { color: var(--gray); font-size: 1.05rem; line-height: 1.8; margin-bottom: 15px; }

        /* Stylish Lists for the content */
        .policy-list { list-style: none; margin-top: 15px; }
        .policy-list li {
            position: relative; padding-left: 30px; margin-bottom: 15px; color: var(--gray); font-size: 1.05rem; line-height: 1.7;
        }
        .policy-list li::before {
            content: '✓'; position: absolute; left: 0; top: 2px; color: var(--primary-green);
            font-size: 1.1rem; font-weight: 800;
        }
        .policy-list li strong { color: var(--dark); font-weight: 600; }
        
        @media (max-width: 992px) {
            .policy-wrapper { padding: 40px 25px; }
            .policy-hero h1 { font-size: 2.4rem; }
        }
        
        /* === TERMS HERO === */
        .terms-hero {
            padding: 160px 0 60px; text-align: center; position: relative;
            background: radial-gradient(circle at top right, rgba(37, 170, 226, 0.08), transparent 40%),
                        radial-gradient(circle at bottom left, rgba(140, 198, 62, 0.08), transparent 40%);
        }
        .terms-hero h1 { font-size: 3rem; font-weight: 800; color: var(--dark); margin-bottom: 15px; }
        .terms-hero p { max-width: 600px; margin: 0 auto; font-size: 1.1rem; color: var(--gray); }
        .shape { position: absolute; border-radius: 50%; filter: blur(60px); z-index: -1; animation: float 10s ease-in-out infinite alternate; }
        .shape-1 { width: 250px; height: 250px; background: var(--primary-blue); top: 10%; right: 10%; opacity: 0.15; }
        .shape-2 { width: 200px; height: 200px; background: var(--primary-green); bottom: 10%; left: 10%; opacity: 0.15; }

        /* === TERMS MAIN CONTENT (NEW STICKY SIDEBAR LAYOUT) === */
        .terms-main { padding: 40px 0 100px; }
        .terms-grid {
            display: grid; grid-template-columns: 300px 1fr; gap: 50px; align-items: start;
        }

        /* Sticky Sidebar Navigation */
        .terms-sidebar {
            position: sticky; top: 120px; background: var(--white);
            padding: 30px; border-radius: 20px; box-shadow: var(--shadow);
            border: 1px solid #f1f5f9;
        }
        .terms-sidebar h4 { font-size: 1.2rem; color: var(--dark); margin-bottom: 20px; padding-bottom: 10px; border-bottom: 2px solid var(--light-bg); }
        .toc-list { list-style: none; display: flex; flex-direction: column; gap: 15px; }
        .toc-list li a {
            display: block; color: var(--gray); font-size: 0.95rem; font-weight: 500;
            transition: all 0.3s ease; border-left: 3px solid transparent; padding-left: 15px;
        }
        .toc-list li a:hover { color: var(--primary-blue); }
        .toc-list li a.active {
            color: var(--primary-blue); font-weight: 700; border-left-color: var(--primary-green);
        }

        /* Content Document */
        .terms-content {
            background: var(--white); padding: 50px; border-radius: 20px;
            box-shadow: var(--shadow); border: 1px solid #f1f5f9;
        }
        .terms-intro { font-size: 1.05rem; color: var(--gray); line-height: 1.8; margin-bottom: 40px; padding-bottom: 30px; border-bottom: 1px solid #e2e8f0;}

        .term-block { margin-bottom: 50px; padding-top: 20px; }
        .term-block:last-child { margin-bottom: 0; }
        .term-block h2 {
            font-size: 1.6rem; color: var(--dark); margin-bottom: 20px;
            display: flex; align-items: center; gap: 12px;
        }
        .term-block h2 span { color: var(--primary-blue); font-size: 1.4rem; font-weight: 800; }
        
        .term-block p { color: var(--gray); font-size: 1.05rem; line-height: 1.8; margin-bottom: 15px; }
        
        /* Custom Bullet Points */
        .term-list { list-style: none; margin-top: 15px; }
        .term-list li {
            position: relative; padding-left: 25px; margin-bottom: 12px; color: var(--gray); font-size: 1.05rem; line-height: 1.7;
        }
        .term-list li::before {
            content: '■'; position: absolute; left: 0; top: 2px; color: var(--primary-blue); font-size: 0.8rem;
        }
        .term-list li strong { color: var(--dark); font-weight: 600; }
        
        @media (max-width: 992px) {
            .terms-grid { grid-template-columns: 1fr; }
            .terms-sidebar { display: none; } /* Hide sidebar on mobile to prioritize content */
            .terms-content { padding: 30px; }
            .terms-hero h1 { font-size: 2.4rem; }
        }