/* Mangalam Finance — design system */
:root {
  --maroon: #6B0008;
  --maroon-deep: #3B0004;
  --maroon-light: #8F1D2B;
  --plum: #84214F;
  --gold: #D6A63A;
  --gold-soft: #F3C766;
  --cream: #FFF8EC;
  --white: #FFFFFF;
  --text: #21090C;
  --muted: #5F4B4B;
  --border: #E8DDD4;
  --btn-maroon: #7A0008;
  --btn-gold: #F0C45A;
  --shadow: 0 12px 32px rgba(107, 0, 8, 0.1);
  --radius-card: 14px;
  --radius-btn: 8px;
  --container: 1200px;
  --header-height: 100px;
  --font-heading: "Montserrat", "Inter", system-ui, sans-serif;
  --font-body: "Inter", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  font-weight: 400;
}

img, video, iframe { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

button, input, textarea { font-family: inherit; font-size: 1rem; }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  line-height: 1.15;
  color: var(--maroon);
}

.center { text-align: center; }

.eyebrow {
  color: var(--gold);
  font-weight: 700;
  text-transform: uppercase;
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  margin-bottom: 10px;
}
.tc {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 16px;
}

.section {
  max-width: var(--container);
  margin: 0 auto;
  padding: 72px 20px;
}

.section-intro {
  color: var(--muted);
  margin-bottom: 32px;
  max-width: 640px;
}

.section-intro.center { margin-left: auto; margin-right: auto; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 20px;
  border-radius: var(--radius-btn);
  border: 1px solid transparent;
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  cursor: pointer;
  transition: 0.2s ease;
}

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

.btn-maroon:hover { background: var(--maroon); }

.btn-gold {
  background: var(--btn-gold);
  color: var(--maroon-deep);
}

.btn-gold:hover { background: var(--gold-soft); }

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

.btn-outline:hover {
  background: var(--maroon);
  color: var(--white);
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--maroon-deep);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.2);
}

.navbar {
  width: 100%;
  max-width: none;
  margin: 0;
  padding: 14px 28px;
  min-height: var(--header-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  position: relative;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  margin-right: auto;
}

.brand-mark {
  width: 56px;
  height: 56px;
  object-fit: contain;
  flex-shrink: 0;
  display: block;
}

.brand-wordmark {
  display: block;
  height: 36px;
  width: auto;
  max-width: min(260px, 38vw);
  object-fit: contain;
}

.nav-toggle {
  display: none;
  margin-left: auto;
  width: 40px;
  height: 40px;
  border: 0;
  background: transparent;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--gold);
  margin: 5px auto;
}

.nav-menu {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  min-width: 0;
}

.nav-links {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 52px;
  flex-wrap: wrap;
}

.nav-links a {
  font-weight: 600;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.92);
  white-space: nowrap;
}

.nav-links a:hover { color: var(--gold-soft); }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-shrink: 0;
}

.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 700;
  font-size: 0.82rem;
  color: var(--white);
  white-space: nowrap;
  background: var(--maroon-light);
  padding: 10px 16px;
  border-radius: var(--radius-btn);
  border: 1px solid rgba(255, 255, 255, 0.14);
  transition: background 0.2s ease;
}

.nav-phone:hover {
  background: var(--maroon);
}

.nav-phone i,
.nav-phone svg {
  width: 16px;
  height: 16px;
  color: var(--gold);
}

/* Hero landing — fills viewport below header */
.hero-landing {
  min-height: calc(100vh - var(--header-height));
  display: flex;
  flex-direction: column;
}

/* Hero */
.hero {
  position: relative;
  background: var(--cream);
  overflow: hidden;
  flex: 1;
  display: flex;
  flex-direction: column;
  min-height: 0;
}

.hero-visual {
  position: absolute;
  inset: 0 0 0 45%;
  z-index: 0;
}

.hero-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 2;
  background: linear-gradient(
    90deg,
    var(--cream) 0%,
    rgba(255, 248, 236, 0.97) 18%,
    rgba(255, 248, 236, 0.75) 32%,
    rgba(255, 248, 236, 0.2) 48%,
    transparent 62%
  );
  pointer-events: none;
}

.hero-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center right;
}

.hero-inner {
  position: relative;
  z-index: 1;
  flex: 1;
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 56px 48px 56px 0;
  display: flex;
  align-items: center;
  justify-content: flex-start;
}

.hero-copy {
  width: min(100%, 880px);
  margin-left: -80px;
}

.hero h1 {
  font-size: clamp(2.75rem, 5.5vw, 4.75rem);
  letter-spacing: -0.03em;
  line-height: 1.04;
  color: var(--maroon);
}

.hero-sub {
  margin-top: 18px;
  font-size: clamp(1.25rem, 2.5vw, 2.1rem);
  font-weight: 700;
  color: #000000;
  font-family: var(--font-body);
  line-height: 1.3;
}

.hero-features {
  margin-top: 38px;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1.1fr;
  gap: 0;
  width: 100%;
  max-width: 100%;
}

.hero-feature {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: flex-start;
  gap: 12px;
  min-width: 0;
  padding: 0 18px;
  box-sizing: border-box;
  border-right: 1px solid rgba(107, 0, 8, 0.22);
}

.hero-feature:first-child {
  padding-left: 0;
}

.hero-feature:last-child {
  border-right: 0;
  padding-right: 0;
}

.hero-feature i,
.hero-feature svg {
  width: 34px;
  height: 34px;
  color: var(--maroon);
  stroke-width: 1.75;
  flex-shrink: 0;
}

.hero-feature > span:not(.hero-feature-text) {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--maroon);
  line-height: 1.3;
  text-align: left;
}

.hero-feature-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
  flex: 1;
}

.hero-feature-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--maroon);
  line-height: 1.2;
  white-space: nowrap;
}

.hero-feature span.hero-feature-accent {
  font-size: 1.55rem;
  font-weight: 800;
  color: #000000;
  line-height: 1.1;
  letter-spacing: -0.01em;
}

.hero-actions {
  margin-top: 40px;
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.hero-actions .btn {
  gap: 10px;
  min-height: 54px;
  padding: 0 30px;
  font-size: 0.98rem;
}

.hero-actions .btn i,
.hero-actions .btn svg {
  width: 20px;
  height: 20px;
}

.hero-trust-line {
  margin-top: 30px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--muted);
}

.hero-trust-line span {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.hero-trust-line i,
.hero-trust-line svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
}

.hero-trust-line .sep {
  color: var(--border);
  font-weight: 400;
}

/* Trust strip */
.trust-strip {
  background: linear-gradient(90deg, var(--maroon-deep), var(--maroon));
  color: var(--white);
  padding: 22px 20px;
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 12px;
  flex-shrink: 0;
}

.trust-strip > div {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 6px 10px;
  border-right: 1px solid rgba(255,255,255,0.15);
}

.trust-copy {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.trust-strip > div:first-child .trust-copy strong {
  white-space: nowrap;
}

.trust-strip > div:last-child { border-right: 0; }

.trust-strip i,
.trust-strip svg {
  width: 22px;
  height: 22px;
  color: var(--gold-soft);
  flex-shrink: 0;
  margin-top: 2px;
}

.trust-strip strong {
  display: block;
  font-size: 0.78rem;
  line-height: 1.25;
}

.trust-strip small {
  display: block;
  font-size: 0.68rem;
  color: rgba(255,255,255,0.75);
  margin-top: 2px;
}

/* Overview */
.overview {
  display: grid;
  grid-template-columns: 0.92fr 1.08fr;
  gap: 88px;
  align-items: start;
  background: #faf7f3;
  max-width: none;
  width: 100%;
  --overview-width: 1360px;
  padding: 88px max(20px, calc((100% - var(--overview-width)) / 2 + 20px));
}

.overview .section-copy {
  max-width: 720px;
  min-width: 0;
}

.overview .section-copy p {
  color: var(--muted);
  margin-bottom: 20px;
  font-size: 1.05rem;
  line-height: 1.75;
  max-width: 560px;
}
.overview-title {
  font-family: var(--font-heading);
  font-size: clamp(1.9rem, 3.2vw, 2.75rem);
  font-weight: 600;
  line-height: 1.12;
  color: #4D1416;
  letter-spacing: -0.02em;
}

.overview-title span {
  display: block;
}

.overview-title span:last-child {
  white-space: nowrap;
}

.overview-subtitle {
  font-family: var(--font-heading);
  font-size: clamp(0.95rem, 1.35vw, 1.12rem);
  font-weight: 500;
  margin: 16px 0 28px;
  color: #732525;
  line-height: 1.35;
}

.overview-btn {
  margin-top: 14px;
  gap: 10px;
  min-height: 50px;
  padding: 0 26px;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.overview-btn i,
.overview-btn svg {
  width: 18px;
  height: 18px;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  width: 100%;
}

.feature-grid article {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 32px 20px 28px;
  box-shadow: 0 8px 24px rgba(107, 0, 8, 0.06);
  transition: transform 0.2s, box-shadow 0.2s;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  min-height: 185px;
  width: 100%;
}

.feature-grid article:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 32px rgba(107, 0, 8, 0.1);
}

.feature-grid img {
  width: 72px;
  height: 72px;
  object-fit: contain;
  margin-bottom: 16px;
}

.feature-grid h4 {
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--maroon);
  line-height: 1.35;
  max-width: 100%;
  width: 100%;
}

/* Why Mangalam */
.why-mangalam {
  width: 100%;
}

.why-mangalam-top {
  background: var(--white);
  padding: 72px 20px 56px;
}

.why-mangalam-inner {
  max-width: var(--container);
  margin: 0 auto;
}

.why-eyebrow {
  color: var(--maroon);
  font-family: var(--font-heading);
  font-weight: 800;
  text-transform: uppercase;
  font-size: clamp(1.35rem, 2.2vw, 1.75rem);
  letter-spacing: 0.02em;
  margin-bottom: 10px;
}

.why-heading {
  font-size: clamp(1.15rem, 1.8vw, 1.45rem);
  font-weight: 800;
  color: #4D1416;
  margin-bottom: 14px;
}

.why-intro {
  color: var(--muted);
  font-size: 0.95rem;
  line-height: 1.7;
  max-width: 720px;
  margin-bottom: 32px;
}

.why-card-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.why-card-grid article {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 24px 16px 26px;
  min-height: 112px;
  box-shadow: 0 6px 20px rgba(107, 0, 8, 0.05);
  transition: transform 0.2s, box-shadow 0.2s;
}

.why-card-grid article:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(107, 0, 8, 0.08);
}

.why-card-grid img {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  object-fit: contain;
}

.why-card-grid h4 {
  font-family: var(--font-body);
  font-size: 0.86rem;
  font-weight: 700;
  color: #4D1416;
  line-height: 1.35;
  margin-bottom: 6px;
}

.why-card-grid p {
  color: var(--muted);
  font-size: 0.8rem;
  line-height: 1.55;
}

.why-tc {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 18px;
}

.why-choose-strip {
  background: var(--cream);
  border-top: 1px solid var(--border);
  padding: 40px 20px;
}

.why-choose-inner {
  max-width: var(--container);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.05fr 1.95fr;
  gap: 32px;
  align-items: center;
}

.why-choose-title h3 {
  font-size: clamp(1.25rem, 2vw, 1.55rem);
  font-weight: 800;
  color: var(--maroon);
  margin-bottom: 10px;
}

.why-choose-line {
  display: block;
  width: 52px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
}

.why-choose-items {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0;
}

.why-choose-item {
  text-align: center;
  padding: 8px 12px;
  border-left: 1px solid rgba(107, 0, 8, 0.12);
}

.why-choose-item:first-child {
  border-left: 0;
}

.why-choose-item img,
.why-choose-item i,
.why-choose-item svg {
  width: 32px;
  height: 32px;
  object-fit: contain;
  margin: 0 auto 10px;
  display: block;
  color: var(--maroon);
}

.why-choose-item strong {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: #4D1416;
  line-height: 1.35;
}

.card-grid article,
.steps-grid article {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  padding: 22px;
  box-shadow: 0 6px 20px rgba(107,0,8,0.05);
  transition: transform 0.2s, box-shadow 0.2s;
}

.card-grid article:hover,
.steps-grid article:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.card-grid i,
.card-grid svg,
.steps-grid i,
.steps-grid svg {
  width: 28px;
  height: 28px;
  color: var(--gold);
  margin-bottom: 10px;
}

.card-grid h4,
.steps-grid h4 {
  font-size: 0.92rem;
  font-weight: 700;
}

.card-grid { display: grid; gap: 18px; }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }
.card-grid p { color: var(--muted); font-size: 0.88rem; margin-top: 8px; }

/* Security */
.security {
  background: linear-gradient(155deg, #5C0A14 0%, var(--maroon-deep) 42%, #1E0002 100%);
  color: var(--white);
  width: 100%;
  max-width: none;
  --security-width: 1360px;
  padding: 72px max(20px, calc((100% - var(--security-width)) / 2 + 20px)) clamp(100px, 14vw, 100px);
  display: grid;
  grid-template-columns: 0.3fr 0.7fr;
  gap: 24px 32px;
  align-items: start;
  position: relative;
  z-index: 2;
  overflow: visible;
}

.security-copy {
  display: flex;
  flex-direction: column;
  max-width: 360px;
}

.security-eyebrow {
  color: var(--gold);
  font-family: var(--font-heading);
  font-weight: 700;
  text-transform: uppercase;
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}

.security h2 {
  color: var(--white);
  font-size: clamp(1.85rem, 3.2vw, 2.65rem);
  font-weight: 800;
  line-height: 1.12;
  margin-bottom: 16px;
}

.security-copy p {
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.95rem;
  line-height: 1.7;
  margin: 0 0 22px;
  max-width: 380px;
}

.security-btn {
  align-self: flex-start;
  min-height: 46px;
  padding: 0 24px;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
}

.security-vault {
  position: absolute;
  left: max(20px, calc((100% - var(--security-width)) / 2 + 20px));
  bottom: clamp(-131px, -16vw, -140px);
  width: min(500px, 38vw);
  max-width: 350px;
  height: auto;
  margin: 0;
  border-radius: 0;
  box-shadow: none;
  z-index: 12;
  pointer-events: none;
}

.how-it-works {
  position: relative;
  z-index: 1;
  padding-top: clamp(90px, 11vw, 150px);
  overflow: visible;
}

/* RBI license strip */
.rbi-strip {
  width: 100%;
  background: var(--maroon-deep);
  color: var(--white);
  padding: 22px max(20px, calc((100% - var(--container)) / 2 + 20px));
}

.rbi-strip-inner {
  max-width: var(--container);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.rbi-strip-copy {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
}

.rbi-strip-copy > i,
.rbi-strip-copy > svg {
  width: 28px;
  height: 28px;
  color: var(--gold);
  flex-shrink: 0;
}

.rbi-strip-copy h3 {
  font-size: 1rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 4px;
}

.rbi-strip-copy p {
  font-size: 0.88rem;
  line-height: 1.45;
  color: rgba(255, 255, 255, 0.88);
  margin: 0;
}

.rbi-view-btn {
  flex-shrink: 0;
  min-height: 44px;
  padding: 0 22px;
  gap: 8px;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
}

.rbi-view-btn i,
.rbi-view-btn svg {
  width: 16px;
  height: 16px;
}

.how-it-works-head {
  width: 100%;
  max-width: none;
  margin: 0 0 40px;
  text-align: center;
}

.how-it-works-subcopy {
  width: 100%;
  text-align: center;
}

.how-it-works-eyebrow {
  font-family: var(--font-heading);
  font-size: clamp(1.9rem, 3.4vw, 2.75rem);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  color: var(--maroon);
  margin: 0 auto 14px;
}

.how-it-works-title {
  font-family: var(--font-heading);
  font-size: clamp(1.1rem, 1.7vw, 1.35rem);
  font-weight: 800;
  color: #2A1214;
  line-height: 1.25;
  margin: 0 auto 12px;
}

.how-it-works-intro {
  font-size: 1.02rem;
  line-height: 1.7;
  color: var(--muted);
  max-width: none;
  margin: 0 auto;
  white-space: nowrap;
}

.security-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  grid-template-rows: repeat(2, minmax(168px, auto));
  gap: 0;
  background: transparent;
  padding: 0;
  border: 0;
  border-radius: 0;
  align-self: start;
  align-items: stretch;
  width: 100%;
}

.security-grid article {
  background: transparent;
  border: 0;
  border-right: 1px solid rgba(255, 255, 255, 0.16);
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 0;
  box-shadow: none;
  padding: 20px 18px 16px;
  text-align: center;
  display: grid;
  grid-template-rows: 50px auto 1fr;
  justify-items: center;
  align-content: start;
  gap: 10px;
  min-height: 168px;
  height: 100%;
  transition: background 0.2s;
}

.security-grid article:nth-child(5n) {
  border-right: 0;
}

.security-grid article:nth-last-child(-n+5) {
  border-bottom: 0;
}

.security-grid article:hover {
  background: rgba(255, 255, 255, 0.04);
  transform: none;
  box-shadow: none;
}

.security-icon {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  border: 1.5px solid rgba(184, 138, 46, 0.85);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin: 0;
  flex-shrink: 0;
  grid-row: 1;
  align-self: start;
}

.security-grid i,
.security-grid svg {
  width: 22px;
  height: 22px;
  color: #B88A2E;
  margin: 0;
  stroke-width: 1.6;
  display: block;
}

.security-grid h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 700;
  line-height: 1.32;
  margin: 0;
  grid-row: 2;
  align-self: start;
}

.security-grid p {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.73rem;
  line-height: 1.45;
  margin: 0;
  max-width: 168px;
  grid-row: 3;
  align-self: start;
}

/* Steps */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.steps-grid article {
  text-align: center;
  position: relative;
  padding-top: 36px;
}

.steps-grid article > span {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  width: 36px;
  height: 36px;
  background: var(--maroon);
  color: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 0.8rem;
}

.steps-grid p { color: var(--muted); font-size: 0.88rem; margin-top: 8px; }

/* Branches */
.branches {
  background: var(--white);
  max-width: none;
}

.branches-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}

.branches-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  margin-bottom: 36px;
}

.branches-eyebrow {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 2.4vw, 2rem);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  color: var(--maroon);
  margin-bottom: 10px;
}

.branches-title {
  font-family: var(--font-heading);
  font-size: clamp(1.05rem, 1.6vw, 1.25rem);
  font-weight: 800;
  color: #2A1214;
  line-height: 1.3;
  margin-bottom: 10px;
}

.branches-intro {
  font-size: 0.92rem;
  line-height: 1.65;
  color: var(--muted);
  max-width: 520px;
  margin: 0;
}

.branch-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.branch-grid article {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
  padding: 0;
  box-shadow: 0 10px 28px rgba(107, 0, 8, 0.08);
  transition: transform 0.2s, box-shadow 0.2s;
}

.branch-grid article:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 36px rgba(107, 0, 8, 0.12);
}

.branch-card-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: var(--maroon-deep);
  padding: 12px 16px;
}

.branch-card-banner img {
  width: 36px;
  height: 36px;
  object-fit: contain;
  border-radius: 50%;
}

.branch-card-banner span {
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  color: var(--gold);
  text-transform: uppercase;
}

.branch-photo {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  display: block;
}

.branch-card-body {
  padding: 18px 20px 20px;
}

.branch-card-body h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--maroon);
  margin-bottom: 14px;
  line-height: 1.3;
}

.branch-meta {
  list-style: none;
  margin: 0 0 18px;
  padding: 0;
}

.branch-meta li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.84rem;
  line-height: 1.5;
  color: var(--muted);
  margin-bottom: 8px;
}

.branch-meta li:last-child {
  margin-bottom: 0;
}

.branch-meta i,
.branch-meta svg {
  width: 16px;
  height: 16px;
  color: #B88A2E;
  flex-shrink: 0;
  margin-top: 2px;
  stroke-width: 2;
}

.branch-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.branch-actions .btn {
  margin: 0;
  width: 100%;
  min-height: 42px;
  font-size: 0.78rem;
  letter-spacing: 0.03em;
  gap: 6px;
}

.branch-actions .btn-outline {
  background: var(--white);
  border-color: var(--gold);
  color: var(--maroon);
}

.branch-actions .btn-outline:hover {
  background: var(--cream);
  color: var(--maroon);
  border-color: var(--gold);
}

.branch-actions .btn-maroon i,
.branch-actions .btn-maroon svg {
  width: 14px;
  height: 14px;
}

.video-tour {
  width: 100%;
  max-width: none;
  margin: 48px 0 0;
  padding: 36px max(20px, calc((100% - var(--container)) / 2 + 20px));
  background: var(--cream);
  border-radius: 0;
}

.video-tour-inner {
  display: flex;
  align-items: center;
  gap: 36px;
  max-width: var(--container);
  margin: 0 auto;
}

.video-tour-copy {
  flex: 0 0 auto;
  max-width: 220px;
}

.video-tour-copy h3 {
  font-family: var(--font-heading);
  font-size: clamp(1.45rem, 2.2vw, 1.85rem);
  font-weight: 800;
  color: #4D1416;
  margin-bottom: 10px;
}

.video-tour-copy p {
  font-size: 0.92rem;
  line-height: 1.5;
  color: #4D1416;
  margin: 0 0 14px;
}

.video-tour-line {
  display: block;
  width: 48px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
}

.video-carousel {
  flex: 1 1 auto;
  min-width: 0;
}

.video-track {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.short-wrap {
  aspect-ratio: 9 / 16;
  border-radius: 10px;
  overflow: hidden;
  background: #111;
  border: 2px solid #4D1416;
  box-shadow: 0 8px 24px rgba(107, 0, 8, 0.1);
}

.short-wrap iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}

.video-dots {
  display: none;
}

/* FAQ */
.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px 20px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  overflow: hidden;
  background: var(--white);
}

.faq-question {
  width: 100%;
  border: 0;
  background: var(--white);
  padding: 16px 18px;
  text-align: left;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}

.faq-question::after {
  content: "+";
  color: var(--maroon);
  font-size: 1.2rem;
  flex-shrink: 0;
}

.faq-item.active .faq-question {
  color: var(--maroon);
}

.faq-item.active .faq-question::after {
  content: "−";
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.28s ease;
  background: var(--cream);
}

.faq-answer p {
  padding: 0 18px 16px;
  color: var(--muted);
  font-size: 0.9rem;
}

/* CTA */
.cta {
  background:
    linear-gradient(90deg, rgba(59, 0, 4, 0.72) 0%, rgba(59, 0, 4, 0.35) 45%, rgba(59, 0, 4, 0.1) 70%),
    url("assets/cta-necklace.png") center right / cover no-repeat;
  background-color: var(--maroon-deep);
  color: var(--white);
  padding: 44px 20px;
  max-width: none;
  min-height: 200px;
  display: flex;
  align-items: center;
}

.cta-inner {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(280px, 520px) auto 1fr;
  align-items: center;
  gap: clamp(28px, 4vw, 48px);
}

.cta-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
  margin-right: clamp(60px, 10vw, 140px);
}

.cta h2 {
  color: #F3E2B8;
  font-size: clamp(1.45rem, 2.6vw, 2.1rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 10px;
}

.cta p {
  color: rgba(255, 255, 255, 0.92);
  font-size: 0.92rem;
  line-height: 1.6;
  margin: 0;
  max-width: 460px;
}

.cta-copy {
  max-width: 520px;
}

.cta-actions .btn {
  min-height: 46px;
  padding: 0 22px;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  white-space: nowrap;
}

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

.cta-btn-outline:hover {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: var(--gold-soft);
}

/* Contact */
.contact {
  background: #faf7f3;
  max-width: none;
  width: 100%;
  padding: 72px max(20px, calc((100% - var(--container)) / 2 + 20px));
}

.contact-layout {
  max-width: var(--container);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 40px 48px;
  align-items: start;
}

.contact-info {
  text-align: left;
}

.contact-eyebrow {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 2.4vw, 2rem);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  color: var(--maroon);
  margin-bottom: 10px;
}

.contact-title {
  font-size: clamp(1.1rem, 1.7vw, 1.35rem);
  font-weight: 800;
  color: #2A1214;
  margin-bottom: 12px;
}

.contact-intro {
  font-size: 0.94rem;
  line-height: 1.65;
  color: var(--muted);
  margin: 0 0 28px;
  max-width: 420px;
}

.contact-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.contact-list i,
.contact-list svg {
  width: 20px;
  height: 20px;
  color: #B88A2E;
  flex-shrink: 0;
  margin-top: 2px;
  stroke-width: 2;
}

.contact-list strong {
  display: block;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--maroon);
  margin-bottom: 3px;
}

.contact-list a,
.contact-list span {
  display: block;
  font-size: 0.88rem;
  line-height: 1.45;
  color: var(--muted);
}

.contact-list a:hover {
  color: var(--maroon);
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px 24px;
  box-shadow: 0 10px 28px rgba(107, 0, 8, 0.06);
  text-align: left;
}

.contact-form h3 {
  font-size: 1.1rem;
  margin-bottom: 18px;
  color: var(--maroon);
}

.contact-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.contact-form input,
.contact-form textarea,
.modal-form input,
.modal-form textarea {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: var(--radius-btn);
  padding: 12px 14px;
  background: var(--white);
  color: var(--text);
  outline: none;
}

.contact-form input:focus,
.contact-form textarea:focus,
.modal-form input:focus,
.modal-form textarea:focus {
  border-color: var(--maroon);
  box-shadow: 0 0 0 3px rgba(107, 0, 8, 0.08);
}

.contact-form-full {
  grid-column: 1 / -1;
}

.contact-form textarea,
.modal-form textarea {
  min-height: 100px;
  resize: vertical;
}

.contact-form .btn {
  width: 100%;
  margin-top: 14px;
}

.modal-form {
  background: transparent;
  border: 0;
  padding: 0;
}

.modal-form h3 {
  font-size: 1.05rem;
  margin-bottom: 16px;
  color: var(--maroon);
}

.modal-form input,
.modal-form textarea {
  margin-bottom: 10px;
}

.modal-form .btn {
  width: 100%;
  margin-top: 4px;
}

.nav-franchise-btn {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.55);
  min-height: 42px;
  padding: 0 16px;
  font-size: 0.78rem;
  white-space: nowrap;
}

.nav-franchise-btn:hover {
  background: var(--white);
  color: var(--maroon);
  border-color: var(--white);
}

/* Franchise modal */
.modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.2s ease, visibility 0.2s ease;
}

.modal.open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(30, 0, 2, 0.62);
}

.modal-dialog {
  position: relative;
  z-index: 1;
  width: min(100%, 520px);
  max-height: min(90vh, 760px);
  overflow-y: auto;
  background: var(--white);
  border-radius: 14px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.28);
  padding: 28px 24px 24px;
}

.modal-close {
  position: absolute;
  top: 10px;
  right: 12px;
  width: 36px;
  height: 36px;
  border: 0;
  background: transparent;
  color: var(--maroon);
  font-size: 1.8rem;
  line-height: 1;
  cursor: pointer;
}

body.modal-open {
  overflow: hidden;
}

.form-message {
  margin-top: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  min-height: 1.2em;
}

.form-message.success { color: #1a7f37; }
.form-message.error { color: #b00020; }

/* Footer */
.footer {
  width: 100%;
  max-width: none;
  background: var(--cream);
  border-top: 1px solid var(--border);
  padding: 48px max(20px, calc((100% - var(--container)) / 2 + 20px)) 32px;
  display: grid;
  grid-template-columns: 1.4fr repeat(2, 1fr);
  gap: 28px;
}

.footer h3, .footer h4 {
  font-size: 0.95rem;
  margin-bottom: 12px;
}

.footer p, .footer a {
  display: block;
  color: var(--muted);
  font-size: 0.88rem;
  margin-bottom: 8px;
}

.footer a:hover { color: var(--maroon); }

/* FAQ page */
.faq-page-hero {
  background: var(--cream);
  padding: 48px 20px 32px;
  text-align: center;
  border-bottom: 1px solid var(--border);
}

.faq-page-hero h1 { font-size: clamp(1.8rem, 3vw, 2.6rem); }

.faq-page-hero p { color: var(--muted); margin-top: 10px; }

.faq-page .faq-grid { grid-template-columns: 1fr; max-width: 800px; margin: 0 auto; }

.faq-back { margin-top: 32px; }

/* Responsive */
@media (max-width: 1024px) {
  .nav-toggle { display: block; }

  .nav-menu {
    display: none;
    position: absolute;
    top: var(--header-height);
    left: 20px;
    right: 20px;
    flex-direction: column;
    align-items: stretch;
    background: var(--maroon-deep);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-card);
    padding: 16px;
    box-shadow: var(--shadow);
  }

  .nav-menu.open { display: flex; }

  .nav-links,
  .nav-actions {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    gap: 14px;
  }

  .nav-links a { color: var(--white); }

  .nav-actions .btn { width: 100%; }

  .nav-actions .nav-phone {
    width: 100%;
    justify-content: center;
  }

  .hero-features { grid-template-columns: repeat(2, 1fr); max-width: 100%; }
  .hero-feature:nth-child(2n) { border-right: 0; }
  .hero-feature:nth-child(-n+2) { border-bottom: 1px solid rgba(107, 0, 8, 0.22); padding-bottom: 14px; margin-bottom: 14px; }

  .overview,
  .security {
    grid-template-columns: 1fr;
  }

  .contact-layout {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .cta-inner {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .cta-actions {
    margin-right: 0;
    width: 100%;
    flex-wrap: wrap;
  }

  .cta-actions .btn {
    flex: 1 1 200px;
  }

  .security-vault {
    position: relative;
    left: auto;
    bottom: auto;
    width: min(100%, 360px);
    max-width: 360px;
    margin: 32px auto 0;
    display: block;
    pointer-events: auto;
  }

  .security {
    padding-bottom: 48px;
  }

  .how-it-works {
    padding-top: 72px;
  }

  .how-it-works-intro {
    white-space: normal;
  }

  .overview-title span:last-child {
    white-space: normal;
  }

  .trust-strip { grid-template-columns: repeat(2, 1fr); }
  .trust-strip > div { border-right: 0; }

  .feature-grid,
  .why-card-grid,
  .card-grid.four,
  .steps-grid,
  .branch-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .video-tour-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 24px;
  }

  .video-tour-copy {
    max-width: none;
  }

  .branches-head {
    flex-direction: column;
    align-items: flex-start;
  }

  .why-choose-inner {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .why-choose-items {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .why-choose-item:nth-child(3n + 1) {
    border-left: 0;
  }

  .security-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    grid-template-rows: auto;
  }

  .security-grid article:nth-child(5n) {
    border-right: 1px solid rgba(255, 255, 255, 0.16);
  }

  .security-grid article:nth-child(3n) {
    border-right: 0;
  }

  .security-grid article:nth-last-child(-n+5) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.16);
  }

  .security-grid article:last-child {
    border-bottom: 0;
  }

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

/* Tablet only — stacked/centered hero; hide trust strip, overview grid & why-choose */
@media (max-width: 1024px) and (min-width: 641px) {
  .trust-strip,
  .overview .feature-grid,
  .why-choose-strip {
    display: none;
  }

  .hero-landing {
    min-height: auto;
  }

  .hero {
    display: flex;
    flex-direction: column;
  }

  .hero-visual {
    position: relative;
    inset: auto;
    height: 280px;
    order: -1;
    flex-shrink: 0;
  }

  .hero-visual img {
    object-position: center 35%;
  }

  .hero-visual::before {
    background: linear-gradient(180deg, transparent 50%, var(--cream) 100%);
  }

  .hero-inner {
    order: 1;
    padding: 28px 32px 40px;
    justify-content: center;
    flex: 0 0 auto;
  }

  .hero-copy {
    margin-left: 0;
    width: 100%;
    max-width: none;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .hero h1 {
    font-size: clamp(2.35rem, 5vw, 3.25rem);
  }

  .hero-sub {
    margin-top: 14px;
    font-size: clamp(1.15rem, 2.2vw, 1.55rem);
  }

  .hero-features {
    margin-top: 28px;
    grid-template-columns: repeat(2, 1fr);
    max-width: 560px;
    width: 100%;
  }

  .hero-feature {
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    gap: 8px;
    text-align: center;
    padding: 0 12px;
  }

  .hero-feature > span:not(.hero-feature-text) {
    text-align: center;
  }

  .hero-feature-text {
    align-items: center;
    flex: 0 1 auto;
  }

  .hero-feature-label {
    white-space: normal;
  }

  .hero-feature:nth-child(2n) { border-right: 0; }
  .hero-feature:nth-child(-n+2) { border-bottom: 1px solid rgba(107, 0, 8, 0.22); padding-bottom: 14px; margin-bottom: 14px; }

  .hero-actions {
    margin-top: 28px;
    justify-content: center;
  }

  .hero-trust-line {
    margin-top: 22px;
    justify-content: center;
  }
}

@media (max-width: 640px) {
  :root {
    --header-height: 88px;
  }

  .section { padding: 52px 16px; }

  .hero-landing {
    min-height: calc(100vh - var(--header-height));
  }

  .hero {
    display: flex;
    flex-direction: column;
  }

  .hero-visual {
    position: relative;
    inset: auto;
    height: 220px;
    order: -1;
  }

  .hero-visual::before {
    background: linear-gradient(180deg, transparent 55%, var(--cream) 100%);
  }

  .hero-inner {
    order: 1;
    padding: 28px 16px 32px;
    justify-content: center;
  }

  .hero-copy {
    margin-left: 0;
  }

  .hero-actions {
    flex-wrap: nowrap;
    gap: 10px;
    margin-top: 28px;
  }

  .hero-actions .btn {
    flex: 1 1 0;
    min-width: 0;
    min-height: 46px;
    padding: 0 10px;
    font-size: 0.72rem;
    letter-spacing: 0.02em;
    white-space: nowrap;
  }

  .hero-actions .btn i,
  .hero-actions .btn svg {
    width: 14px;
    height: 14px;
    flex-shrink: 0;
  }

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

  .hero-trust-line,
  .trust-strip,
  .overview .feature-grid {
    display: none;
  }

  .rbi-strip-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
  }

  .rbi-view-btn {
    width: 100%;
  }

  .brand-mark {
    width: 44px;
    height: 44px;
  }

  .brand-wordmark {
    height: 28px;
    max-width: min(180px, 42vw);
  }

  .trust-strip,
  .feature-grid,
  .why-card-grid,
  .card-grid.four,
  .steps-grid,
  .branch-grid,
  .faq-grid,
  .security-grid,
  .footer {
    grid-template-columns: 1fr;
  }

  .contact-layout {
    grid-template-columns: 1fr;
    gap: 28px;
  }

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

  .video-tour {
    padding: 28px 0 32px;
    margin-top: 36px;
  }

  .video-tour-inner {
    padding: 0 16px;
    gap: 18px;
  }

  .video-carousel {
    width: 100%;
  }

  .video-track {
    display: flex;
    gap: 14px;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scroll-behavior: smooth;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    padding: 0 16px 8px;
  }

  .video-track::-webkit-scrollbar {
    display: none;
  }

  .short-wrap {
    flex: 0 0 min(72vw, 260px);
    scroll-snap-align: center;
  }

  .video-dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 14px;
  }

  .video-dots button {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    border: 0;
    padding: 0;
    background: rgba(77, 20, 22, 0.25);
    cursor: pointer;
  }

  .video-dots button.active {
    background: var(--maroon);
    width: 20px;
    border-radius: 999px;
  }

  .why-choose-items {
    grid-template-columns: 1fr;
  }

  .why-choose-item {
    border-left: 0;
    border-top: 1px solid rgba(107, 0, 8, 0.12);
    padding-top: 16px;
  }

  .why-choose-item:first-child {
    border-top: 0;
    padding-top: 8px;
  }

  .security-copy {
    max-width: none;
    width: 100%;
    align-items: center;
    text-align: center;
  }

  .security-eyebrow {
    text-align: center;
  }

  .security h2 {
    white-space: nowrap;
    text-align: center;
    font-size: clamp(1.15rem, 5.2vw, 1.55rem);
    margin-left: auto;
    margin-right: auto;
  }

  .security-copy p {
    max-width: none;
    text-align: center;
  }

  .security-btn {
    align-self: center;
  }

  .security-grid {
    grid-template-columns: 1fr;
    grid-template-rows: none;
    gap: 12px;
  }

  .security-grid article {
    display: grid;
    grid-template-columns: auto 1fr;
    grid-template-rows: auto auto;
    column-gap: 14px;
    row-gap: 4px;
    align-content: start;
    justify-items: start;
    text-align: left;
    min-height: 0;
    height: auto;
    padding: 16px 14px;
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.04);
  }

  .security-grid article:nth-child(5n),
  .security-grid article:nth-last-child(-n+5),
  .security-grid article:last-child {
    border-right: 1px solid rgba(255, 255, 255, 0.14);
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }

  .security-icon {
    grid-column: 1;
    grid-row: 1 / span 2;
    align-self: start;
    width: 44px;
    height: 44px;
  }

  .security-grid h4 {
    grid-column: 2;
    grid-row: 1;
    align-self: end;
    font-size: 0.88rem;
    margin: 0;
  }

  .security-grid p {
    grid-column: 2;
    grid-row: 2;
    align-self: start;
    max-width: none;
    font-size: 0.8rem;
  }

  .security-vault {
    width: min(100%, 300px);
    max-width: 300px;
    margin-top: 24px;
  }

  .how-it-works {
    padding-top: 56px;
  }

  .cta-actions .btn {
    width: 100%;
    white-space: normal;
  }

  .section-head.split { flex-direction: column; align-items: flex-start; }
}