/* ── RESET & BASE ── */
        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }
        body {
            font-family: 'Montserrat', sans-serif;
            background-color: #0b0d11;
            color: #e8edf5;
            overflow-x: hidden;
            cursor: default;
        }
        html {
            scroll-behavior: smooth;
        }
        a {
            text-decoration: none;
        }
        img {
            max-width: 100%;
            display: block;
        }

        /* ── SCROLL PROGRESS BAR ── */
        #scroll-progress {
            position: fixed;
            top: 0;
            left: 0;
            width: 0%;
            height: 4px;
            background: linear-gradient(90deg, #f5b342, #f7d97e, #f5b342);
            background-size: 200% 100%;
            z-index: 9999;
            transition: width 0.1s;
            box-shadow: 0 0 15px rgba(245, 179, 66, 0.6);
            border-radius: 0 2px 2px 0;
            animation: shimmer 2s infinite linear;
        }
        @keyframes shimmer {
            0% {
                background-position: 200% 0;
            }
            100% {
                background-position: -200% 0;
            }
        }

        /* ── CURSOR GLOW ── */
        #cursor-glow {
            position: fixed;
            width: 350px;
            height: 350px;
            background: radial-gradient(circle, rgba(245, 179, 66, 0.12) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
            transform: translate(-50%, -50%);
            z-index: 9998;
            transition: width 0.3s, height 0.3s, background 0.3s;
            mix-blend-mode: screen;
            will-change: transform;
        }

        /* ── UTILITY ── */
        .bg-dark-theme {
            background: #0b0d11;
        }
        .bg-dark-surface {
            background: #12161e;
        }
        .bg-light-theme {
            background: #f5f7fc;
            color: #1a1f2b;
        }
        .bg-light-theme .subtitle {
            color: #4a5268;
        }
        .section-padding {
            padding: 80px 0;
            position: relative;
            z-index: 1;
        }
        .section-header {
            text-align: center;
            margin-bottom: 50px;
        }
        .section-header h2 {
            font-size: 2.4rem;
            font-weight: 700;
            letter-spacing: -0.5px;
        }
        .section-header .subtitle {
            font-size: 1.1rem;
            color: #9aa5b9;
            max-width: 600px;
            margin: 10px auto 0;
        }
        .bg-light-theme .section-header h2 {
            color: #0b0d11;
        }

        /* Gradient Text */
        .gradient-text {
            background: linear-gradient(135deg, #ffffff 40%, #f5b342 100%);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            background-clip: text;
        }
        .gradient-text-dark {
            background: linear-gradient(135deg, #0b0d11 40%, #f5b342 100%);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            background-clip: text;
        }

        /* ── BUTTONS ── */
        .btn-custom {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            gap: 8px;
            padding: 14px 34px;
            border-radius: 60px;
            font-weight: 600;
            font-size: 0.95rem;
            transition: all 0.3s cubic-bezier(0.25, 0.46, 0.45, 0.94);
            border: none;
            cursor: pointer;
            text-decoration: none;
            position: relative;
            overflow: hidden;
            z-index: 1;
        }
        .btn-primary-custom {
            background: #f5b342;
            color: #0b0d11;
            box-shadow: 0 4px 15px rgba(245, 179, 66, 0.3);
        }
        .btn-primary-custom:hover {
            background: #f0a830;
            color: #0b0d11;
            transform: translateY(-3px);
            box-shadow: 0 12px 35px rgba(245, 179, 66, 0.45);
        }
        .btn-outline-light-custom {
            background: transparent;
            color: #fff;
            border: 2px solid rgba(255, 255, 255, 0.3);
        }
        .btn-outline-light-custom:hover {
            background: rgba(255, 255, 255, 0.08);
            border-color: #f5b342;
            color: #f5b342;
            transform: translateY(-3px);
        }
        .btn-outline-custom {
            background: transparent;
            color: #0b0d11;
            border: 2px solid #0b0d11;
        }
        .btn-outline-custom:hover {
            background: #0b0d11;
            color: #fff;
            transform: translateY(-3px);
        }

        /* ── HEADER ── */
        .navbar-custom {
            padding: 18px 0;
            background: rgba(11, 13, 17, 0.6);
            backdrop-filter: blur(8px);
            border-bottom: 1px solid rgba(255, 255, 255, 0.04);
            position: sticky;
            top: 0;
            z-index: 1050;
            transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
        }
        .navbar-custom.scrolled {
            background: rgba(11, 13, 17, 0.96) !important;
            backdrop-filter: blur(20px);
            box-shadow: 0 4px 30px rgba(0, 0, 0, 0.6);
            border-bottom: 1px solid rgba(245, 179, 66, 0.15);
        }
        .navbar-brand img {
            height: 65px;
            width: auto;
            transition: transform 0.3s;
        }
        .navbar-brand:hover img {
            transform: scale(1.05);
        }
        .navbar-custom .nav-link {
            color: #c8d0dd;
            font-weight: 500;
            font-size: 0.95rem;
            padding: 8px 20px;
            transition: color 0.2s;
            position: relative;
        }
        .navbar-custom .nav-link::after {
            content: '';
            position: absolute;
            bottom: 4px;
            left: 20px;
            width: 0%;
            height: 2px;
            background: #f5b342;
            transition: width 0.3s;
        }
        .navbar-custom .nav-link:hover::after {
            width: 40%;
        }
        .navbar-custom .nav-link:hover {
            color: #f5b342;
        }

        /* ── DROPDOWN ── */
        .dropdown-custom {
            position: relative;
        }
        .dropdown-custom .dropdown-toggle {
            color: #c8d0dd;
            font-weight: 500;
            font-size: 0.95rem;
            padding: 8px 20px;
            transition: color 0.2s;
            position: relative;
            background: none;
            border: none;
            cursor: pointer;
        }
        .dropdown-custom .dropdown-toggle::after {
            font-family: 'bootstrap-icons';
            font-size: 20px;
            margin-left: 6px;
            transition: transform 0.3s;
            display: inline-block;
                top: 4px;
    position: relative;
        }
        .dropdown-custom .dropdown-toggle:hover {
            color: #f5b342;
        }
        .dropdown-custom .dropdown-toggle::before {
            content: '';
            position: absolute;
            bottom: 4px;
            left: 20px;
            width: 0%;
            height: 2px;
            background: #f5b342;
            transition: width 0.3s;
        }
        .dropdown-custom .dropdown-toggle:hover::before {
            width: 40%;
        }
        .dropdown-custom .dropdown-menu-custom {
            position: absolute;
            top: calc(100% + 8px);
            left: 50%;
            transform: translateX(-50%) translateY(8px);
            background: rgba(18, 22, 30, 0.97);
            backdrop-filter: blur(16px);
            border: 1px solid rgba(255, 255, 255, 0.06);
            border-radius: 16px;
            padding: 8px 0;
            min-width: 260px;
            opacity: 0;
            visibility: hidden;
            pointer-events: none;
            transition: all 0.3s cubic-bezier(0.25, 0.46, 0.45, 0.94);
            box-shadow: 0 20px 60px rgba(0, 0, 0, 0.6);
            z-index: 1060;
        }
        .dropdown-custom .dropdown-menu-custom.show {
            opacity: 1;
            visibility: visible;
            pointer-events: auto;
            transform: translateX(-50%) translateY(0);
        }
        .dropdown-custom .dropdown-menu-custom .dropdown-item {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 10px 20px;
            color: #c8d0dd;
            font-size: 0.88rem;
            font-weight: 500;
            transition: all 0.2s;
            border-radius: 8px;
            margin: 2px 8px;
        }
        .dropdown-custom .dropdown-menu-custom .dropdown-item:hover {
            background: rgba(245, 179, 66, 0.10);
            color: #f5b342;
            transform: translateX(4px);
        }
        .dropdown-custom .dropdown-menu-custom .dropdown-item i {
            color: #f5b342;
            font-size: 1.1rem;
            width: 22px;
            text-align: center;
            flex-shrink: 0;
        }
        .dropdown-custom .dropdown-menu-custom .dropdown-item .badge-featured {
            background: #f5b342;
            color: #0b0d11;
            font-size: 0.55rem;
            font-weight: 700;
            padding: 2px 8px;
            border-radius: 20px;
            margin-left: auto;
            text-transform: uppercase;
        }
        .dropdown-custom .dropdown-menu-custom .dropdown-divider {
            height: 1px;
            background: rgba(255, 255, 255, 0.04);
            margin: 4px 12px;
        }

        /* ── HERO ── */
        .hero-section {
            padding: 60px 0 80px;
            position: relative;
            overflow: hidden;
        }
        .hero-section::before {
            content: '';
            position: absolute;
            top: -40%;
            right: -10%;
            width: 700px;
            height: 700px;
            background: radial-gradient(circle, rgba(245, 179, 66, 0.08) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
            animation: pulseGlow 6s infinite alternate;
        }
        @keyframes pulseGlow {
            0% {
                transform: scale(1);
                opacity: 0.6;
            }
            100% {
                transform: scale(1.2);
                opacity: 1;
            }
        }

        .hero-badge {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            background: rgba(245, 179, 66, 0.15);
            border: 1px solid rgba(245, 179, 66, 0.25);
            padding: 6px 18px;
            border-radius: 40px;
            font-size: 0.8rem;
            font-weight: 600;
            color: #f5b342;
            letter-spacing: 0.3px;
            margin-bottom: 24px;
            backdrop-filter: blur(4px);
        }
        .hero-section h1 {
            font-size: 3.6rem;
            font-weight: 800;
            line-height: 1.1;
            letter-spacing: -1px;
            margin-bottom: 18px;
        }
        .hero-description {
            font-size: 1.15rem;
            color: #b8c4d8;
            max-width: 520px;
            line-height: 1.7;
            margin-bottom: 28px;
        }

        /* Hero highlights */
        .hero-highlights {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 10px 20px;
            margin-bottom: 32px;
            max-width: 560px;
        }
        .highlight-item {
            display: flex;
            align-items: center;
            gap: 8px;
            font-size: 0.92rem;
            font-weight: 500;
            color: #dce3ef;
            padding: 6px 0;
            border-bottom: 1px solid rgba(255, 255, 255, 0.03);
        }
        .highlight-icon {
            color: #f5b342;
            font-size: 1.1rem;
            flex-shrink: 0;
        }

        .hero-cta-group {
            display: flex;
            flex-wrap: wrap;
            gap: 14px;
        }

        /* Hero visual */
        .hero-visual-wrapper {
            position: relative;
            display: flex;
            justify-content: center;
            align-items: center;
        }
        .hero-image-container {
            border-radius: 24px;
            overflow: hidden;
            box-shadow: 0 30px 60px rgba(0, 0, 0, 0.6);
            border: 1px solid rgba(255, 255, 255, 0.06);
            max-width: 520px;
            width: 100%;
            animation: floatImage 6s ease-in-out infinite;
        }
        @keyframes floatImage {
            0%,
            100% {
                transform: translateY(0px);
            }
            50% {
                transform: translateY(-12px);
            }
        }
        .hero-img {
            width: 100%;
            height: auto;
            aspect-ratio: 4/3;
            object-fit: cover;
            display: block;
        }

        /* Floating cards */
        .floating-card {
            position: absolute;
            background: rgba(20, 25, 35, 0.88);
            backdrop-filter: blur(14px);
            border: 1px solid rgba(255, 255, 255, 0.08);
            border-radius: 16px;
            padding: 16px 22px;
            min-width: 150px;
            box-shadow: 0 16px 40px rgba(0, 0, 0, 0.5);
            animation: floatCard 4s ease-in-out infinite;
            display: none;
        }
        .floating-card-1 {
            top: -10px;
            right: -20px;
            animation-delay: 0s;
        }
        .floating-card-2 {
            bottom: -10px;
            left: -20px;
            animation-delay: 1.5s;
        }
        @keyframes floatCard {
            0%,
            100% {
                transform: translateY(0px) rotate(0deg);
            }
            50% {
                transform: translateY(-10px) rotate(1deg);
            }
        }
        .floating-card-title {
            font-size: 0.7rem;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            color: #9aa5b9;
            font-weight: 600;
        }
        .floating-card-value {
            font-size: 1.6rem;
            font-weight: 700;
            color: #f5b342;
            line-height: 1.2;
        }
        .floating-card-value span {
            font-size: 0.85rem;
            font-weight: 500;
            color: #b8c4d8;
        }
        .text-muted-custom {
            color: rgba(255, 255, 255, 0.55) !important;
        }

        /* ── REVEAL ANIMATIONS ── */
        .reveal {
            opacity: 0;
            transition: all 0.8s cubic-bezier(0.5, 0, 0, 1);
        }
        .reveal.fade-up {
            transform: translateY(40px);
        }
        .reveal.fade-left {
            transform: translateX(-40px);
        }
        .reveal.fade-right {
            transform: translateX(40px);
        }
        .reveal.scale {
            transform: scale(0.9);
        }
        .reveal.is-visible {
            opacity: 1;
            transform: translate(0) scale(1);
        }

        /* ── SOLUTION CARDS ── */
        .solution-card {
            display: block;
            transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94), box-shadow 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94);
            border-radius: 20px;
            text-decoration: none;
            color: inherit;
            height: 100%;
        }
        .solution-card:hover {
            transform: translateY(-8px);
            text-decoration: none;
            color: inherit;
        }
        .card-custom {
            background: #ffffff;
            padding: 32px 28px;
            border-radius: 20px;
            box-shadow: 0 6px 24px rgba(0, 0, 0, 0.05);
            transition: box-shadow 0.3s ease, transform 0.3s ease;
            border: 1px solid rgba(0, 0, 0, 0.03);
            height: 100%;
            color: #1a1f2b;
        }
        .card-custom:hover {
            box-shadow: 0 16px 48px rgba(0, 0, 0, 0.1);
            transform: translateY(-4px);
        }
        .card-custom .icon-wrapper {
            width: 54px;
            height: 54px;
            border-radius: 14px;
            background: #f5b342;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 1.6rem;
            color: #0b0d11;
            margin-bottom: 18px;
            transition: transform 0.3s;
        }
        .card-custom:hover .icon-wrapper {
            transform: rotate(-6deg) scale(1.05);
        }
        .card-custom h4 {
            font-size: 1.15rem;
            font-weight: 700;
            margin-bottom: 10px;
        }
        .card-custom p {
            font-size: 0.92rem;
            color: #4a5268;
            line-height: 1.6;
            margin-bottom: 16px;
        }
        .card-custom .learn-more {
            font-weight: 600;
            font-size: 0.9rem;
            color: #f5b342;
            display: inline-flex;
            align-items: center;
            gap: 6px;
            transition: gap 0.2s;
        }
        .card-custom .learn-more:hover {
            gap: 12px;
        }

        /* Featured Gold Loan */
        .featured-solution-card {
            background: linear-gradient(145deg, #1a1f2b, #0f121a);
            padding: 36px 32px;
            border-radius: 20px;
            border: 1px solid rgba(245, 179, 66, 0.2);
            position: relative;
            overflow: hidden;
            height: 100%;
            min-height: 260px;
            display: flex;
            flex-direction: column;
            justify-content: center;
            transition: all 0.4s;
        }
        .featured-solution-card:hover {
            border-color: #f5b342;
            box-shadow: 0 0 30px rgba(245, 179, 66, 0.1);
        }
        .featured-solution-card::after {
            content: '';
            position: absolute;
            top: -30%;
            right: -10%;
            width: 300px;
            height: 300px;
            background: radial-gradient(circle, rgba(245, 179, 66, 0.08) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
            transition: transform 0.6s;
        }
        .featured-solution-card:hover::after {
            transform: scale(1.2);
        }
        .featured-badge {
            display: inline-flex;
            align-items: center;
            gap: 4px;
            background: rgba(245, 179, 66, 0.18);
            color: #f5b342;
            font-size: 0.7rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.4px;
            padding: 4px 14px;
            border-radius: 40px;
            margin-bottom: 14px;
            width: fit-content;
        }
        .featured-content h3 {
            font-size: 1.6rem;
            font-weight: 700;
            color: #fff;
            margin-bottom: 10px;
        }
        .featured-content p {
            color: #b8c4d8;
            font-size: 0.95rem;
            line-height: 1.7;
            max-width: 90%;
        }
        .featured-content .learn-more {
            font-weight: 600;
            font-size: 0.9rem;
            color: #f5b342;
            display: inline-flex;
            align-items: center;
            gap: 6px;
            margin-top: 6px;
            transition: gap 0.2s;
        }
        .featured-content .learn-more:hover {
            gap: 12px;
        }

        /* ── FEATURE BOXES ── */
        .feature-box {
            padding: 32px 26px;
            border-radius: 20px;
            background: rgba(255, 255, 255, 0.03);
            border: 1px solid rgba(255, 255, 255, 0.05);
            transition: all 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94);
            height: 100%;
            backdrop-filter: blur(4px);
        }
        .feature-box:hover {
            background: rgba(245, 179, 66, 0.06);
            border-color: rgba(245, 179, 66, 0.3);
            transform: translateY(-6px);
            box-shadow: 0 12px 30px rgba(0, 0, 0, 0.2);
        }
        .feature-number {
            font-size: 2.6rem;
            font-weight: 800;
            color: rgba(245, 179, 66, 0.2);
            line-height: 1;
            margin-bottom: 12px;
            transition: color 0.3s;
        }
        .feature-box:hover .feature-number {
            color: rgba(245, 179, 66, 0.6);
        }
        .feature-box h4 {
            font-size: 1.1rem;
            font-weight: 700;
            color: #fff;
            margin-bottom: 8px;
        }
        .feature-box p {
            color: #aab4c8;
            font-size: 0.92rem;
            line-height: 1.6;
            margin: 0;
        }

        /* ── TIMELINE ── */
        .timeline-container {
            position: relative;
            padding: 20px 0;
        }
        .timeline-line {
            position: absolute;
            top: 60px;
            left: 50%;
            width: 70%;
            height: 3px;
            background: #f5b342;
            transform: translateX(-50%);
            opacity: 0.3;
            border-radius: 4px;
        }
        .timeline-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 24px;
            position: relative;
            z-index: 2;
        }
        .step-card {
            text-align: center;
            padding: 24px 16px;
            background: #ffffff;
            border-radius: 20px;
            box-shadow: 0 6px 24px rgba(0, 0, 0, 0.04);
            border: 1px solid rgba(0, 0, 0, 0.03);
            transition: all 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94);
        }
        .step-card:hover {
            transform: translateY(-8px) scale(1.02);
            box-shadow: 0 16px 40px rgba(245, 179, 66, 0.15);
            border-color: #f5b342;
        }
        .step-icon-circle {
            width: 56px;
            height: 56px;
            border-radius: 50%;
            background: #f5b342;
            color: #0b0d11;
            font-size: 1.4rem;
            font-weight: 800;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 14px;
            transition: transform 0.3s;
        }
        .step-card:hover .step-icon-circle {
            transform: rotate(10deg) scale(1.1);
        }
        .step-card h4 {
            font-size: 1rem;
            font-weight: 700;
            color: #0b0d11;
            margin-bottom: 6px;
        }
        .step-card p {
            font-size: 0.85rem;
            color: #4a5268;
            line-height: 1.5;
            margin: 0;
        }

        /* ── CTA ── */
        .cta-section {
            text-align: center;
            padding: 80px 0;
            position: relative;
            overflow: hidden;
        }
        .cta-section::before {
            content: '';
            position: absolute;
            top: -50%;
            left: -20%;
            width: 600px;
            height: 600px;
            background: radial-gradient(circle, rgba(245, 179, 66, 0.06) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
        }
        .cta-content h2 {
            font-size: 2.6rem;
            font-weight: 700;
            margin-bottom: 16px;
        }
        .cta-content p {
            font-size: 1.1rem;
            color: #b8c4d8;
            max-width: 560px;
            margin: 0 auto;
            line-height: 1.7;
        }

        /* ── FOOTER ── */
        .footer-custom {
            background: #080a0e;
            padding: 60px 0 30px;
            border-top: 1px solid rgba(255, 255, 255, 0.04);
        }
        .footer-logo img {
            height: 65px;
            width: auto;
            margin-bottom: 16px;
            transition: filter 0.3s;
        }
        .footer-logo:hover img {
            filter: brightness(1.2);
        }
        .footer-desc {
            color: #8f9bb0;
            font-size: 0.9rem;
            line-height: 1.7;
            max-width: 280px;
        }
        .social-icons {
            display: flex;
            gap: 12px;
            margin-top: 18px;
        }
        .social-btn {
            display: flex;
            align-items: center;
            justify-content: center;
            width: 40px;
            height: 40px;
            border-radius: 50%;
            background: rgba(255, 255, 255, 0.05);
            color: #c8d0dd;
            font-size: 1.1rem;
            transition: all 0.3s;
        }
        .social-btn:hover {
            background: #f5b342;
            color: #0b0d11;
            transform: translateY(-4px);
            box-shadow: 0 8px 20px rgba(245, 179, 66, 0.3);
        }
        .footer-title {
            color: #fff;
            font-weight: 700;
            font-size: 1.05rem;
            margin-bottom: 18px;
        }
        .footer-links {
            list-style: none;
            padding: 0;
            margin: 0;
        }
        .footer-links li {
            margin-bottom: 10px;
        }
        .footer-links a {
            color: #8f9bb0;
            font-size: 0.9rem;
            transition: all 0.2s;
            display: inline-flex;
            align-items: center;
            gap: 4px;
        }
        .footer-links a:hover {
            color: #f5b342;
            transform: translateX(4px);
        }
        .contact-info-item {
            display: flex;
            gap: 14px;
            margin-bottom: 14px;
            color: #8f9bb0;
            font-size: 0.9rem;
            line-height: 1.5;
        }
        .contact-info-item i {
            color: #f5b342;
            font-size: 1.1rem;
            flex-shrink: 0;
            margin-top: 3px;
        }
        .contact-info-item span {
            color: #c8d0dd;
        }
        .footer-bottom {
            border-top: 1px solid rgba(255, 255, 255, 0.05);
            padding-top: 24px;
            margin-top: 40px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            flex-wrap: wrap;
            gap: 12px;
            font-size: 0.8rem;
            color: #6a7a94;
        }
        .footer-bottom a {
            color: #6a7a94;
            transition: color 0.2s;
        }
        .footer-bottom a:hover {
            color: #f5b342;
        }

        /* ── RESPONSIVE ── */
        @media (max-width: 991px) {
            .hero-section h1 {
                font-size: 2.4rem;
            }
            .hero-highlights {
                grid-template-columns: 1fr 1fr;
                gap: 6px 16px;
            }
            .hero-highlights .highlight-item {
                font-size: 0.82rem;
            }
            .floating-card-1 {
                top: -6px;
                right: -6px;
                padding: 12px 16px;
                min-width: 120px;
            }
            .floating-card-2 {
                bottom: -6px;
                left: -6px;
                padding: 12px 16px;
                min-width: 120px;
            }
            .floating-card-value {
                font-size: 1.2rem;
            }
            .timeline-grid {
                grid-template-columns: 1fr 1fr;
            }
            .timeline-line {
                display: none;
            }
            .featured-content p {
                max-width: 100%;
            }
        }
        @media (max-width: 767px) {
            .section-padding {
                padding: 50px 0;
            }
            .hero-section {
                padding: 40px 0 60px;
            }
            .hero-section h1 {
                font-size: 2rem;
            }
            .hero-highlights {
                grid-template-columns: 1fr 1fr;
                gap: 4px 10px;
            }
            .hero-highlights .highlight-item {
                font-size: 0.75rem;
                gap: 4px;
            }
            .hero-highlights .highlight-icon {
                font-size: 0.9rem;
            }
            .floating-card-1,
            .floating-card-2 {
                display: none;
            }
            .hero-image-container {
                max-width: 100%;
            }
            .timeline-grid {
                grid-template-columns: 1fr;
                max-width: 360px;
                margin: 0 auto;
            }
            .step-card {
                padding: 16px 12px;
            }
            .cta-content h2 {
                font-size: 2rem;
            }
            .footer-bottom {
                flex-direction: column;
                text-align: center;
            }
            .featured-solution-card {
                min-height: auto;
                padding: 28px 20px;
            }
            #cursor-glow {
                display: none;
            }
        }
        @media (max-width: 480px) {
            .hero-section h1 {
                font-size: 1.7rem;
            }
            .hero-highlights {
                grid-template-columns: 1fr 1fr;
                gap: 4px 8px;
            }
            .hero-highlights .highlight-item {
                font-size: 0.7rem;
            }
            .btn-custom {
                padding: 12px 24px;
                font-size: 0.85rem;
            }
        } 
        /* ── OFFCANVAS (Mobile Menu) ── */
.offcanvas-custom {
    background: #0b0d11 !important;
    color: #e8edf5 !important;
}
.offcanvas-header-custom {
    border-color: rgba(255, 255, 255, 0.06) !important;
}
.offcanvas-title-custom {
    color: #fff !important;
}
.brand-icon {
    width: 30px;
    height: 30px;
    font-size: 1rem;
    color: #f5b342;
    display: flex;
    align-items: center;
    justify-content: center;
}
.mobile-nav-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    font-weight: 500;
    margin-top: 40px;
}
.mobile-nav-link {
    display: block;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
    color: #e8edf5;
    text-decoration: none;
    font-weight: 500;
    font-size: 16px;
}
.mobile-nav-link:hover {
    color: #f5b342;
}
.mobile-nav-list li:last-child .mobile-nav-link {
    border-bottom: none;
}
.badge-featured-mobile {
    background: #f5b342;
    color: #0b0d11;
    font-size: 0.6rem;
    font-weight: 700;
    padding: 2px 8px;
    border-radius: 20px;
    margin-left: 6px;
    text-transform: uppercase;
    display: inline-block;
}
/* ── INNER HERO ── */
.inner-hero {
    padding: 60px 0 80px;
    position: relative;
    overflow: hidden;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    border-bottom: 1px solid rgba(255, 255, 255, 0.04);
}

/* Dark overlay for readability */
.inner-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(11, 13, 17, 0.78);
    z-index: 1;
}

/* Subtle gradient overlay for depth */
.inner-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(11, 13, 17, 0.2) 0%, rgba(11, 13, 17, 0.1) 100%);
    z-index: 1;
}

.inner-hero-wrapper {
    position: relative;
    z-index: 2;
    max-width: 820px;
    margin: 0 auto;
    text-align: center;
}

/* ── Breadcrumbs (centered) ── */
.inner-hero-breadcrumb ol {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 8px;
    list-style: none;
    padding: 0;
    margin: 0 0 20px 0;
    font-size: 0.85rem;
    font-weight: 500;
}

.inner-hero-breadcrumb ol li {
    display: flex;
    align-items: center;
    gap: 8px;
    color: #9aa5b9;
}

.inner-hero-breadcrumb ol li:not(:last-child)::after {
    content: '/';
    color: #4a5268;
    font-size: 0.7rem;
    font-weight: 300;
}

.inner-hero-breadcrumb ol li a {
    color: #9aa5b9;
    text-decoration: none;
    transition: color 0.2s;
}

.inner-hero-breadcrumb ol li a:hover {
    color: #f5b342;
}

.inner-hero-breadcrumb ol li.active {
    color: #f5b342;
    font-weight: 600;
}

/* ── Badge (centered) ── */
.inner-hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(245, 179, 66, 0.12);
    border: 1px solid rgba(245, 179, 66, 0.2);
    padding: 4px 16px;
    border-radius: 40px;
    font-size: 0.75rem;
    font-weight: 600;
    color: #f5b342;
    letter-spacing: 0.3px;
    text-transform: uppercase;
    margin: 0 auto 16px;
}

/* ── Title ── */
.inner-hero-title {
    font-size: 2.8rem;
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -0.5px;
    margin-bottom: 16px;
}

.inner-hero-title .gradient-text {
    background: linear-gradient(135deg, #ffffff 40%, #f5b342 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.inner-hero-title span:not(.gradient-text) {
    color: #fff;
}

/* ── Description (centered) ── */
.inner-hero-description {
    font-size: 1.05rem;
    color: #c8d0dd;
    max-width: 680px;
    margin: 0 auto 28px;
    line-height: 1.7;
}

/* ── Actions (centered) ── */
.inner-hero-actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
}

/* ── RESPONSIVE ── */
@media (max-width: 991px) {
    .inner-hero {
        padding: 50px 0 70px;
    }
    .inner-hero-title {
        font-size: 2.2rem;
    }
    .inner-hero-description {
        max-width: 100%;
        font-size: 1rem;
    }
}

@media (max-width: 767px) {
    .inner-hero {
        padding: 40px 0 60px;
    }
    .inner-hero-title {
        font-size: 1.8rem;
    }
    .inner-hero-description {
        font-size: 0.95rem;
    }
    .inner-hero-breadcrumb ol {
        font-size: 0.75rem;
        gap: 4px;
    }
    .inner-hero-actions {
        flex-direction: column;
        align-items: center;
    }
    .inner-hero-actions .btn-custom {
        width: 100%;
        max-width: 320px;
        justify-content: center;
    }
}

@media (max-width: 480px) {
    .inner-hero {
        padding: 30px 0 50px;
    }
    .inner-hero-title {
        font-size: 1.5rem;
    }
    .inner-hero-badge {
        font-size: 0.65rem;
        padding: 3px 12px;
    }
    .inner-hero-description {
        font-size: 0.88rem;
    }
}

/* ── FINANCIAL SOLUTIONS CARDS (REDESIGNED) ── */
.fin-card-link {
    display: block;
    text-decoration: none;
    color: inherit;
    height: 100%;
}

.fin-card {
    background: #ffffff;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
    transition: all 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94);
    height: 100%;
    display: flex;
    flex-direction: column;
    border: 1px solid rgba(0, 0, 0, 0.03);
}

.fin-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 16px 48px rgba(0, 0, 0, 0.10);
}

/* ── Card Image ── */
.fin-card-img {
    position: relative;
    width: 100%;
    padding-top: 62.5%; /* 16:10 aspect ratio */
    overflow: hidden;
    background: #f0f2f5;
}

.fin-card-img img {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.fin-card:hover .fin-card-img img {
    transform: scale(1.06);
}

/* ── Featured Badge ── */
.fin-card-badge {
    position: absolute;
    top: 12px;
    left: 12px;
    background: #f5b342;
    color: #0b0d11;
    font-size: 0.6rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    padding: 4px 14px;
    border-radius: 40px;
    box-shadow: 0 4px 12px rgba(245, 179, 66, 0.35);
}

/* ── Card Body ── */
.fin-card-body {
    padding: 22px 24px 26px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.fin-card-body h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: #0b0d11;
    margin-bottom: 8px;
    line-height: 1.3;
}

.fin-card-body p {
    font-size: 0.9rem;
    color: #4a5268;
    line-height: 1.6;
    margin-bottom: 16px;
    flex: 1;
}

/* ── Learn More Link ── */
.fin-card-link-text {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-weight: 600;
    font-size: 0.88rem;
    color: #f5b342;
    transition: gap 0.25s ease;
}

.fin-card-link-text i {
    transition: transform 0.25s ease;
}

.fin-card:hover .fin-card-link-text {
    gap: 12px;
}

.fin-card:hover .fin-card-link-text i {
    transform: translateX(2px);
}

/* ── Responsive ── */
@media (max-width: 991px) {
    .fin-card-body {
        padding: 18px 20px 22px;
    }
    .fin-card-body h4 {
        font-size: 1rem;
    }
    .fin-card-body p {
        font-size: 0.85rem;
    }
}

@media (max-width: 767px) {
    .fin-card-img {
        padding-top: 56.25%; /* 16:9 for mobile */
    }
    .fin-card-body {
        padding: 16px 18px 20px;
    }
    .fin-card-body h4 {
        font-size: 0.95rem;
    }
    .fin-card-body p {
        font-size: 0.82rem;
    }
    .fin-card-badge {
        font-size: 0.5rem;
        padding: 3px 10px;
        top: 8px;
        left: 8px;
    }
}

@media (max-width: 480px) {
    .fin-card-img {
        padding-top: 50%;
    }
    .fin-card-body {
        padding: 14px 16px 18px;
    }
}