/* ===== RESET & BASE ===== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary: #1a5276;
    --primary-light: #2980b9;
    --primary-dark: #0e2f44;
    --accent: #e74c3c;
    --accent-light: #f39c12;
    --gold: #d4a017;
    --white: #ffffff;
    --light: #f8f9fa;
    --gray: #6c757d;
    --gray-light: #e9ecef;
    --dark: #212529;
    --shadow: 0 4px 20px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 40px rgba(0,0,0,0.15);
    --radius: 12px;
    --transition: all 0.3s ease;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 100px;
}

body {
    font-family: 'Poppins', 'Noto Sans Devanagari', sans-serif;
    color: var(--dark);
    line-height: 1.6;
    overflow-x: hidden;
    background: var(--white);
}

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

ul { list-style: none; }

img {
    max-width: 100%;
    height: auto;
    display: block;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ===== TOP BAR ===== */
.topbar {
    background: var(--primary-dark);
    color: var(--white);
    font-size: 0.85rem;
    padding: 8px 0;
}

.topbar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
}

.topbar-left {
    display: flex;
    gap: 20px;
}

.topbar-left a,
.topbar-right a {
    color: rgba(255,255,255,0.85);
    display: flex;
    align-items: center;
    gap: 6px;
}

.topbar-left a:hover,
.topbar-right a:hover {
    color: var(--accent-light);
}

/* ===== HEADER ===== */
.header {
    background: var(--white);
    box-shadow: 0 2px 10px rgba(0,0,0,0.08);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition);
}

.header.scrolled {
    box-shadow: var(--shadow);
}

.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 20px;
}

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

.logo-img {
    height: 70px;
    width: auto;
    border-radius: 8px;
}

.logo-text {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1.2;
}

/* Navigation */
.nav-list {
    display: flex;
    gap: 5px;
    align-items: center;
}

.nav-link {
    padding: 10px 14px;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--dark);
    border-radius: 8px;
    transition: var(--transition);
}

.nav-link:hover,
.nav-link.active {
    background: var(--primary);
    color: var(--white);
}

.nav-link i.fa-chevron-down {
    font-size: 0.7rem;
    margin-left: 4px;
    transition: var(--transition);
}

/* Dropdown */
.has-dropdown {
    position: relative;
}

.dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--white);
    min-width: 240px;
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    z-index: 100;
    padding: 8px 0;
}

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

.has-dropdown:hover > .nav-link i.fa-chevron-down {
    transform: rotate(180deg);
}

.dropdown li a {
    display: block;
    padding: 10px 20px;
    font-size: 0.88rem;
    color: var(--dark);
    transition: var(--transition);
}

.dropdown li a:hover {
    background: var(--primary);
    color: var(--white);
    padding-left: 25px;
}

/* Mobile Menu Toggle */
.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 5px;
    z-index: 1001;
}

.menu-toggle span {
    width: 28px;
    height: 3px;
    background: var(--dark);
    border-radius: 3px;
    transition: var(--transition);
}

.menu-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(6px, 6px);
}

.menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.menu-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(6px, -6px);
}

/* ===== HERO ===== */
.hero {
    position: relative;
    height: 800px;
    overflow: hidden;
}

.hero-slider {
    position: absolute;
    inset: 0;
}

.hero-slide {
    position: absolute;
    inset: -20px;
    background-size: cover;
    background-position: center;
    opacity: 0;
    transition: opacity 1.2s ease;
    will-change: transform, opacity;
}

.hero-slide.active {
    opacity: 1;
}

/* Ken Burns Animations */
@keyframes kenburns-1 {
    0% { transform: scale(1) translate(0, 0); }
    50% { transform: scale(1.15) translate(-2%, -1%); }
    100% { transform: scale(1) translate(0, 0); }
}

@keyframes kenburns-2 {
    0% { transform: scale(1) translate(0, 0); }
    50% { transform: scale(1.12) translate(2%, 1%); }
    100% { transform: scale(1) translate(0, 0); }
}

@keyframes kenburns-3 {
    0% { transform: scale(1.05) translate(-1%, 1%); }
    50% { transform: scale(1) translate(1%, -1%); }
    100% { transform: scale(1.05) translate(-1%, 1%); }
}

@keyframes kenburns-4 {
    0% { transform: scale(1) translate(1%, -1%); }
    50% { transform: scale(1.1) translate(-1%, 2%); }
    100% { transform: scale(1) translate(1%, -1%); }
}

.kenburns-1.active {
    animation: kenburns-1 12s ease-in-out infinite;
}

.kenburns-2.active {
    animation: kenburns-2 12s ease-in-out infinite;
}

.kenburns-3.active {
    animation: kenburns-3 12s ease-in-out infinite;
}

.kenburns-4.active {
    animation: kenburns-4 12s ease-in-out infinite;
}

@keyframes kenburns-5 {
    0% { transform: scale(1) translate(-2%, 0%); }
    50% { transform: scale(1.08) translate(2%, -1%); }
    100% { transform: scale(1) translate(-2%, 0%); }
}

@keyframes kenburns-6 {
    0% { transform: scale(1) translate(0%, 2%); }
    50% { transform: scale(1.12) translate(-1%, -2%); }
    100% { transform: scale(1) translate(0%, 2%); }
}

.kenburns-5.active {
    animation: kenburns-5 12s ease-in-out infinite;
}

.kenburns-6.active {
    animation: kenburns-6 12s ease-in-out infinite;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(10,31,51,0.8) 0%, rgba(26,82,118,0.6) 50%, rgba(14,47,68,0.75) 100%);
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 2;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
    color: var(--white);
    padding-top: 80px;
}

.hero-title {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 18px;
    line-height: 1.15;
    text-shadow: 0 4px 20px rgba(0,0,0,0.3);
    animation: fadeInUp 1s ease 0.3s both;
}

.hero-title span {
    color: var(--accent-light);
    display: block;
}

.hero-subtitle {
    font-size: 1.15rem;
    max-width: 650px;
    margin-bottom: 35px;
    opacity: 0.95;
    font-weight: 300;
    text-shadow: 0 2px 10px rgba(0,0,0,0.2);
    animation: fadeInUp 1s ease 0.5s both;
}

.hero-buttons {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
    justify-content: center;
    animation: fadeInUp 1s ease 0.7s both;
}

.hero-nav {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 100%;
    display: flex;
    justify-content: space-between;
    padding: 0 30px;
    z-index: 3;
}

.hero-prev,
.hero-next {
    background: rgba(255,255,255,0.15);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.3);
    color: var(--white);
    width: 55px;
    height: 55px;
    border-radius: 50%;
    font-size: 1.2rem;
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-prev:hover,
.hero-next:hover {
    background: var(--white);
    color: var(--primary);
    transform: scale(1.1);
}

/* Hero Dots */
.hero-dots {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 12px;
    z-index: 3;
}

.hero-dot {
    width: 14px;
    height: 14px;
    border-radius: 50%;
    border: 2px solid rgba(255,255,255,0.6);
    background: transparent;
    cursor: pointer;
    transition: var(--transition);
    padding: 0;
}

.hero-dot:hover {
    border-color: var(--white);
    background: rgba(255,255,255,0.3);
}

.hero-dot.active {
    background: var(--accent-light);
    border-color: var(--accent-light);
    transform: scale(1.2);
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-block;
    padding: 12px 30px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
    text-align: center;
}

.btn-primary {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}

.btn-primary:hover {
    background: var(--primary-light);
    border-color: var(--primary-light);
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(26,82,118,0.3);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: var(--white);
}

.btn-outline:hover {
    background: var(--white);
    color: var(--primary);
    transform: translateY(-2px);
}

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

/* ===== PAGE BANNER ===== */
.page-banner {
    height: 300px;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}

.page-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(26,82,118,0.85), rgba(14,47,68,0.7));
}

.page-banner-content {
    position: relative;
    z-index: 1;
    text-align: center;
    color: var(--white);
}

.page-banner-content h1 {
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.page-banner-content .breadcrumb {
    font-size: 0.9rem;
    opacity: 0.85;
}

.page-banner-content .breadcrumb a {
    color: var(--accent-light);
}

.page-banner-content .breadcrumb a:hover {
    text-decoration: underline;
}

/* Content Image */
.content-img {
    width: 100%;
    border-radius: var(--radius);
    margin: 20px 0;
}

.content-img img {
    width: 100%;
    border-radius: var(--radius);
}

/* Gallery Grid */
.gallery-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 15px;
    margin: 30px 0;
}

.gallery-grid img {
    width: 100%;
    height: 250px;
    object-fit: cover;
    border-radius: var(--radius);
    transition: var(--transition);
}

.gallery-grid img:hover {
    transform: scale(1.03);
    box-shadow: var(--shadow-lg);
}

/* Content Text */
.content-text {
    font-size: 1rem;
    color: var(--gray);
    line-height: 1.8;
    margin-bottom: 20px;
}

.content-text strong {
    color: var(--dark);
}

/* Report Cards */
.report-links {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 20px;
    margin: 30px 0;
}

.report-link-card {
    display: flex;
    align-items: center;
    gap: 15px;
    background: var(--white);
    padding: 25px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 2px solid transparent;
}

.report-link-card:hover {
    border-color: var(--primary);
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

.report-link-card .report-icon {
    width: 60px;
    height: 60px;
    background: rgba(231,76,60,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: var(--accent);
    flex-shrink: 0;
}

.report-link-card .report-info h4 {
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--primary-dark);
    margin-bottom: 4px;
}

.report-link-card .report-info p {
    font-size: 0.88rem;
    color: var(--gray);
}

@media (max-width: 768px) {
    .page-banner {
        height: 220px;
    }

    .page-banner-content h1 {
        font-size: 1.8rem;
    }

    .gallery-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .gallery-grid img {
        height: 180px;
    }
}

@media (max-width: 480px) {
    .gallery-grid {
        grid-template-columns: 1fr;
    }
}

/* ===== SECTIONS ===== */
.section {
    padding: 80px 0;
}

.section-header {
    text-align: center;
    margin-bottom: 50px;
}

.section-tag {
    display: inline-block;
    background: rgba(26,82,118,0.1);
    color: var(--primary);
    padding: 6px 20px;
    border-radius: 30px;
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 12px;
}

.section-title {
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--primary-dark);
    position: relative;
}

.section-title::after {
    content: '';
    display: block;
    width: 60px;
    height: 4px;
    background: var(--accent-light);
    margin: 12px auto 0;
    border-radius: 2px;
}

/* ===== SERVICES OVERVIEW ===== */
.services-overview {
    background: var(--light);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 25px;
}

.service-card {
    background: var(--white);
    padding: 35px 25px;
    border-radius: var(--radius);
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid var(--gray-light);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}

.service-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.8rem;
    color: var(--white);
    transition: var(--transition);
}

.service-card:hover .service-icon {
    transform: scale(1.1) rotate(5deg);
}

.service-card h3 {
    font-size: 1.15rem;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--primary-dark);
}

.service-card p {
    font-size: 0.9rem;
    color: var(--gray);
    margin-bottom: 15px;
    line-height: 1.7;
}

.service-link {
    color: var(--primary);
    font-weight: 600;
    font-size: 0.9rem;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.service-link:hover {
    color: var(--primary-light);
    gap: 10px;
}

/* ===== INVESTMENT ===== */
.investment {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: var(--white);
}

.investment .section-tag {
    background: rgba(255,255,255,0.15);
    color: var(--white);
}

.investment .section-title {
    color: var(--white);
}

.investment .section-title::after {
    background: var(--accent-light);
}

.investment-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
}

.investment-card {
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    padding: 35px 25px;
    border-radius: var(--radius);
    text-align: center;
    border: 1px solid rgba(255,255,255,0.15);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.investment-card:hover {
    background: rgba(255,255,255,0.2);
    transform: translateY(-5px);
}

.investment-card.highlight {
    background: rgba(255,255,255,0.2);
    border-color: var(--accent-light);
}

.investment-badge {
    position: absolute;
    top: 15px;
    right: -30px;
    background: var(--accent);
    color: var(--white);
    padding: 5px 40px;
    font-size: 0.75rem;
    font-weight: 600;
    transform: rotate(45deg);
    text-transform: uppercase;
}

.investment-icon {
    width: 70px;
    height: 70px;
    background: rgba(255,255,255,0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.6rem;
    transition: var(--transition);
}

.investment-card:hover .investment-icon {
    transform: scale(1.1);
}

.investment-card h3 {
    font-size: 1.15rem;
    font-weight: 600;
    margin-bottom: 12px;
}

.investment-card p {
    font-size: 0.9rem;
    opacity: 0.85;
    margin-bottom: 20px;
    line-height: 1.7;
}

.investment-card .btn-primary {
    background: var(--white);
    color: var(--primary);
}

.investment-card .btn-primary:hover {
    background: var(--accent-light);
    color: var(--white);
}

.investment-card .btn-outline {
    border-color: rgba(255,255,255,0.5);
}

.investment-card .btn-outline:hover {
    background: var(--white);
    color: var(--primary);
}

/* ===== INTEREST RATES ===== */
.interest-rates {
    background: var(--light);
}

.rates-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 40px;
    box-shadow: var(--shadow);
}

.rates-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 25px;
    margin-bottom: 25px;
}

.rate-item {
    text-align: center;
    padding: 25px 15px;
    border-radius: var(--radius);
    background: var(--light);
    transition: var(--transition);
}

.rate-item:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-5px);
}

.rate-label {
    font-size: 0.9rem;
    font-weight: 500;
    margin-bottom: 10px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rate-value {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary);
}

.rate-item:hover .rate-value {
    color: var(--white);
}

.rate-pa {
    font-size: 0.85rem;
    color: var(--gray);
    margin-top: 5px;
}

.rate-item:hover .rate-pa {
    color: rgba(255,255,255,0.8);
}

.rates-note {
    text-align: center;
    font-size: 0.85rem;
    color: var(--gray);
    font-style: italic;
}

/* ===== LOANS DETAIL ===== */
.loan-item {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    margin-bottom: 60px;
    padding: 30px;
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.loan-item.reverse {
    direction: rtl;
}

.loan-item.reverse > * {
    direction: ltr;
}

.loan-img img {
    border-radius: var(--radius);
    width: 100%;
    height: 300px;
    object-fit: cover;
}

.loan-info h3 {
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 15px;
}

.loan-info p {
    font-size: 0.95rem;
    color: var(--gray);
    margin-bottom: 20px;
    line-height: 1.8;
}

.loan-features {
    margin-bottom: 25px;
}

.loan-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 0.95rem;
    color: var(--dark);
}

.loan-features li i {
    color: var(--primary);
    font-size: 1rem;
}

.loan-info.full-width {
    grid-column: 1 / -1;
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
}

.loan-info.full-width .loan-features {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px 30px;
}

/* ===== ANNUAL REPORT ===== */
.annual-report {
    background: var(--light);
}

.report-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
}

.report-card {
    background: var(--white);
    padding: 35px 25px;
    border-radius: var(--radius);
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 2px solid transparent;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
}

.report-card:hover {
    transform: translateY(-5px);
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
}

.report-year {
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary);
}

.report-title {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--dark);
}

.report-desc {
    font-size: 0.88rem;
    color: var(--gray);
    margin-bottom: 10px;
}

.report-card .btn {
    margin-top: auto;
}

/* ===== BRANCHES ===== */
.branch-card {
    background: var(--white);
    padding: 40px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
    border-top: 4px solid var(--primary);
}

.branch-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.8rem;
    color: var(--white);
}

.branch-card h3 {
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 15px;
}

.branch-card p {
    font-size: 0.95rem;
    color: var(--gray);
    margin-bottom: 10px;
    line-height: 1.7;
}

.branch-card p i {
    color: var(--primary);
    margin-right: 8px;
    width: 18px;
}

/* ===== IMPORTANT NOTE ===== */
.imp-note {
    background: #fff3cd;
}

.note-content {
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    border-left: 5px solid var(--accent-light);
}

.note-content p {
    margin-bottom: 12px;
    font-size: 0.95rem;
    color: var(--dark);
    line-height: 1.8;
}

.note-content p:last-child {
    margin-bottom: 0;
}

.note-content i {
    color: var(--accent);
    margin-right: 8px;
}

/* ===== CONTACT ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

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

.contact-item {
    display: flex;
    gap: 15px;
    align-items: flex-start;
}

.contact-icon {
    width: 50px;
    height: 50px;
    background: rgba(26,82,118,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    color: var(--primary);
    flex-shrink: 0;
}

.contact-item h4 {
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary-dark);
    margin-bottom: 4px;
}

.contact-item p {
    font-size: 0.9rem;
    color: var(--gray);
    line-height: 1.6;
}

.contact-item a {
    color: var(--primary);
}

.contact-item a:hover {
    color: var(--primary-light);
}

/* Contact Form */
.contact-form-wrap {
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
}

.form-group {
    margin-bottom: 18px;
}

.form-group label {
    display: block;
    font-size: 0.88rem;
    font-weight: 500;
    color: var(--dark);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 15px;
    border: 1px solid var(--gray-light);
    border-radius: 8px;
    font-family: inherit;
    font-size: 0.92rem;
    color: var(--dark);
    transition: var(--transition);
    background: var(--light);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(26,82,118,0.1);
    background: var(--white);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

/* ===== FOOTER ===== */
.footer {
    background: var(--primary-dark);
    color: rgba(255,255,255,0.85);
    padding: 60px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr 1.5fr;
    gap: 30px;
    margin-bottom: 40px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 15px;
}

.footer-logo-img {
    height: 40px;
    width: auto;
    border-radius: 6px;
}

.footer-col p {
    font-size: 0.9rem;
    line-height: 1.8;
}

.footer-col h4 {
    color: var(--white);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 18px;
    position: relative;
    padding-bottom: 10px;
}

.footer-col h4::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0;
    width: 40px;
    height: 3px;
    background: var(--accent-light);
    border-radius: 2px;
}

.footer-links li {
    margin-bottom: 10px;
}

.footer-links li a {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.7);
    transition: var(--transition);
}

.footer-links li a:hover {
    color: var(--accent-light);
    padding-left: 5px;
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 0.88rem;
}

.footer-contact li i {
    margin-top: 4px;
    color: var(--accent-light);
    width: 16px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 20px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
    font-size: 0.88rem;
}

.footer-bottom i {
    color: var(--accent);
}

/* ===== BACK TO TOP ===== */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: var(--primary);
    color: var(--white);
    border: none;
    border-radius: 50%;
    font-size: 1.1rem;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 999;
    box-shadow: var(--shadow);
    display: flex;
    align-items: center;
    justify-content: center;
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
}

.back-to-top:hover {
    background: var(--primary-light);
    transform: translateY(-3px);
}

.whatsapp-sticky {
    position: fixed;
    bottom: 90px;
    right: 25px;
    width: 60px;
    height: 60px;
    background: #25D366;
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    box-shadow: 0 4px 15px rgba(37,211,102,0.4);
    z-index: 1000;
    transition: var(--transition);
}

.whatsapp-sticky:hover {
    background: #1da851;
    transform: scale(1.1);
    box-shadow: 0 6px 20px rgba(37,211,102,0.5);
}

/* ===== RESPONSIVE - TABLET ===== */
@media (max-width: 1024px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .investment-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .investment-grid .investment-card:last-child {
        grid-column: 1 / -1;
        max-width: 400px;
        margin: 0 auto;
    }

    .rates-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .report-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    .footer-col:first-child {
        grid-column: 1 / -1;
    }
}

/* ===== RESPONSIVE - MOBILE ===== */
@media (max-width: 768px) {
    .topbar {
        display: none;
    }

    .menu-toggle {
        display: flex;
    }

    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: var(--white);
        box-shadow: -5px 0 20px rgba(0,0,0,0.15);
        transition: var(--transition);
        z-index: 1000;
        overflow-y: auto;
        padding-top: 70px;
    }

    .nav.active {
        right: 0;
    }

    .nav-list {
        flex-direction: column;
        padding: 20px;
        gap: 5px;
    }

    .nav-link {
        width: 100%;
        padding: 12px 15px;
    }

    .has-dropdown .dropdown {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        background: var(--light);
        border-radius: 8px;
        margin-top: 5px;
        display: none;
    }

    .has-dropdown.dropdown-open .dropdown {
        display: block;
    }

    .dropdown li a {
        padding-left: 30px;
    }

    .hero {
        height: 450px;
    }

    .hero-title {
        font-size: 1.8rem;
    }

    .hero-subtitle {
        font-size: 0.95rem;
        padding: 0 10px;
    }

    .hero-nav {
        display: none;
    }

    .hero-dot {
        width: 10px;
        height: 10px;
    }

    .section {
        padding: 50px 0;
    }

    .section-title {
        font-size: 1.7rem;
    }

    .services-grid {
        grid-template-columns: 1fr;
        max-width: 400px;
        margin: 0 auto;
    }

    .investment-grid {
        grid-template-columns: 1fr;
    }

    .investment-grid .investment-card:last-child {
        max-width: 100%;
    }

    .rates-grid {
        grid-template-columns: 1fr 1fr;
        gap: 15px;
    }

    .rate-value {
        font-size: 1.8rem;
    }

    .loan-item,
    .loan-item.reverse {
        grid-template-columns: 1fr;
        direction: ltr;
    }

    .loan-img img {
        height: 220px;
    }

    .report-grid {
        grid-template-columns: 1fr;
        max-width: 400px;
        margin: 0 auto;
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 480px) {
    .hero {
        height: 448px;
    }

    .hero-title {
        font-size: 1.5rem;
    }

    .hero-subtitle {
        font-size: 0.88rem;
    }

    .btn {
        padding: 10px 22px;
        font-size: 0.88rem;
    }

    .service-card {
        padding: 25px 20px;
    }

    .rates-card {
        padding: 25px 15px;
    }

    .rates-grid {
        grid-template-columns: 1fr;
    }

    .loan-item {
        padding: 20px;
    }

    .branch-card {
        padding: 25px 20px;
    }
}

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.animate-in {
    animation: fadeInUp 0.6s ease forwards;
}

/* Mobile overlay */
.nav-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    z-index: 999;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.nav-overlay.active {
    opacity: 1;
    visibility: visible;
}

/* ===== LIGHTBOX ===== */
.lightbox-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.92);
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    cursor: pointer;
}

.lightbox-overlay.active {
    opacity: 1;
    visibility: visible;
}

.lightbox-overlay img {
    max-width: 90%;
    max-height: 85vh;
    border-radius: 8px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.5);
    transform: scale(0.9);
    transition: transform 0.3s ease;
}

.lightbox-overlay.active img {
    transform: scale(1);
}

.lightbox-close {
    position: absolute;
    top: 20px;
    right: 30px;
    color: white;
    font-size: 2rem;
    cursor: pointer;
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    transition: var(--transition);
}

.lightbox-close:hover {
    background: rgba(255,255,255,0.2);
    transform: rotate(90deg);
}

.lightbox-caption {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    color: white;
    font-size: 0.95rem;
    background: rgba(0,0,0,0.6);
    padding: 10px 25px;
    border-radius: 30px;
    white-space: nowrap;
}

.lightbox-nav {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    color: white;
    font-size: 1.5rem;
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    cursor: pointer;
    transition: var(--transition);
}

.lightbox-nav:hover {
    background: rgba(255,255,255,0.25);
}

.lightbox-prev { left: 20px; }
.lightbox-next { right: 20px; }

/* ===== COMMITTEE GALLERY ===== */
.committee-gallery {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin: 30px 0;
}

.committee-gallery .gallery-item {
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.committee-gallery .gallery-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.committee-gallery .gallery-item img {
    width: 100%;
    height: 300px;
    object-fit: cover;
    transition: var(--transition);
}

.committee-gallery .gallery-item:hover img {
    transform: scale(1.05);
}

@media (max-width: 768px) {
    .committee-gallery {
        grid-template-columns: 1fr;
    }

    .committee-gallery .gallery-item img {
        height: 250px;
    }
}

/* ===== NOTICE GALLERY ===== */
.notice-gallery {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin: 30px 0;
}

.notice-item {
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
    cursor: pointer;
    transition: var(--transition);
}

.notice-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.notice-item img {
    width: 100%;
    height: 300px;
    object-fit: cover;
    transition: var(--transition);
}

.notice-item:hover img {
    transform: scale(1.05);
}

/* ===== CONTENT BLOCK ===== */
.content-block {
    margin-bottom: 40px;
}

.content-block h3 {
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--primary-dark);
    margin-bottom: 15px;
}

.content-block p {
    font-size: 0.95rem;
    color: var(--gray);
    line-height: 1.8;
}

/* ===== FEATURE LIST ===== */
.feature-list {
    list-style: none;
    padding: 0;
}

.feature-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--gray-light);
    font-size: 0.95rem;
    color: var(--dark);
}

.feature-list li:last-child {
    border-bottom: none;
}

.feature-list li i {
    color: var(--primary);
    margin-top: 4px;
    flex-shrink: 0;
}

/* ===== FEATURES GRID ===== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    margin: 30px 0;
}

.feature-card {
    background: var(--white);
    padding: 30px 25px;
    border-radius: var(--radius);
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid var(--gray-light);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}

.feature-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 18px;
    font-size: 1.5rem;
    color: var(--white);
}

.feature-card h3 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--primary-dark);
    margin-bottom: 10px;
}

.feature-card p {
    font-size: 0.9rem;
    color: var(--gray);
    line-height: 1.7;
}

/* ===== BRANCH DETAIL ===== */
.branch-detail-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    overflow: hidden;
    margin: 30px 0;
}

.branch-detail-header {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 30px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: var(--white);
}

.branch-detail-header .branch-icon {
    width: 70px;
    height: 70px;
    background: rgba(255,255,255,0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
}

.branch-detail-header h3 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 5px;
}

.branch-badge {
    display: inline-block;
    background: var(--accent-light);
    color: var(--white);
    padding: 4px 14px;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
}

.branch-detail-body {
    padding: 30px;
}

.branch-info-row {
    display: flex;
    gap: 15px;
    padding: 15px 0;
    border-bottom: 1px solid var(--gray-light);
}

.branch-info-row:last-child {
    border-bottom: none;
}

.branch-info-row i {
    color: var(--primary);
    font-size: 1.1rem;
    margin-top: 3px;
    width: 20px;
    text-align: center;
}

.branch-info-row strong {
    display: block;
    font-size: 0.9rem;
    color: var(--dark);
    margin-bottom: 4px;
}

.branch-info-row p {
    font-size: 0.9rem;
    color: var(--gray);
    margin: 0;
}

/* ===== CONTACT OFFICE IMG ===== */
.contact-office-img {
    margin-bottom: 20px;
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
}

.contact-office-img img {
    width: 100%;
    height: 250px;
    object-fit: cover;
}

.text-muted {
    color: var(--gray);
    font-size: 0.85rem;
    font-style: italic;
}

.required {
    color: var(--accent);
}

/* ===== MAP SECTION ===== */
.map-section {
    background: var(--light);
    padding-top: 60px;
}

.map-wrapper {
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    margin-bottom: 40px;
}

.map-wrapper iframe {
    display: block;
    width: 100%;
    min-height: 450px;
}

.map-info-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.map-info-card {
    background: var(--white);
    padding: 25px 20px;
    border-radius: var(--radius);
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border-top: 3px solid var(--primary);
}

.map-info-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.map-info-icon {
    width: 55px;
    height: 55px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 15px;
    font-size: 1.2rem;
    color: var(--white);
}

.map-info-card h4 {
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary-dark);
    margin-bottom: 8px;
}

.map-info-card p {
    font-size: 0.88rem;
    color: var(--gray);
    margin: 3px 0;
    line-height: 1.6;
}

.map-info-card a {
    color: var(--primary);
    font-weight: 500;
}

.map-info-card a:hover {
    color: var(--primary-light);
}

@media (max-width: 1024px) {
    .map-info-cards {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 576px) {
    .map-info-cards {
        grid-template-columns: 1fr;
    }

    .map-wrapper iframe {
        min-height: 300px;
    }
}

/* ===== INVESTMENT LINK CARDS ===== */
.invest-links {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px;
    margin: 30px 0;
}

.invest-link-card {
    display: flex;
    align-items: center;
    gap: 15px;
    background: var(--white);
    padding: 20px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: var(--transition);
    border-left: 4px solid var(--primary);
}

.invest-link-card:hover {
    transform: translateX(5px);
    box-shadow: var(--shadow-lg);
}

.invest-link-card i {
    font-size: 1.3rem;
    color: var(--primary);
}

.invest-link-card span {
    font-weight: 600;
    color: var(--dark);
}

/* ===== RESPONSIVE NOTICE ===== */
@media (max-width: 768px) {
    .notice-gallery {
        grid-template-columns: repeat(2, 1fr);
    }

    .notice-item img {
        height: 200px;
    }

    .features-grid {
        grid-template-columns: 1fr;
    }

    .branch-detail-header {
        flex-direction: column;
        text-align: center;
    }

    .lightbox-nav {
        display: none;
    }
}

@media (max-width: 480px) {
    .notice-gallery {
        grid-template-columns: 1fr;
    }

    .notice-item img {
        height: 250px;
    }
}