/* ===== NK Chit Fund — Design Tokens ===== */
:root {
  --navy-950: #071a33;
  --navy-900: #0b2447;
  --navy-800: #123a6b;
  --navy-700: #1a4d8f;
  --gold-500: #e8b04b;
  --gold-400: #f4c869;
  --gold-600: #c8932f;
  --cream-50: #fbf8f2;
  --cream-100: #f4efe4;
  --ink-900: #1a1f2b;
  --ink-600: #4d5566;
  --ink-400: #7c8494;
  --emerald-500: #1f9d6b;
  --white: #ffffff;
  --shadow-sm: 0 2px 8px rgba(11, 36, 71, 0.08);
  --shadow-md: 0 8px 24px rgba(11, 36, 71, 0.12);
  --shadow-lg: 0 20px 48px rgba(11, 36, 71, 0.18);
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
}

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

html { scroll-behavior: smooth; overflow-x: hidden; }

body {
  font-family: 'Segoe UI', 'Poppins', system-ui, -apple-system, sans-serif;
  color: var(--ink-900);
  background: var(--cream-50);
  line-height: 1.6;
}

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

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: 'Georgia', 'Segoe UI', serif;
  color: var(--navy-900);
  line-height: 1.25;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  color: var(--navy-950);
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.btn-outline {
  background: transparent;
  border: 2px solid var(--white);
  color: var(--white);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); transform: translateY(-3px); }

.btn-call {
  background: var(--emerald-500);
  color: var(--white);
  padding: 10px 22px;
}
.btn-call:hover { background: #178055; transform: translateY(-2px); }

/* ===== Header ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(251, 248, 242, 0.92);
  backdrop-filter: blur(10px);
  box-shadow: var(--shadow-sm);
  will-change: transform;
  transform: translateZ(0);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
}

.logo {
  font-family: 'Georgia', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--navy-900);
  letter-spacing: 0.5px;
}
.logo span { color: var(--gold-600); }

.main-nav {
  display: flex;
  align-items: center;
  gap: 30px;
}

.main-nav a {
  font-weight: 600;
  color: var(--ink-600);
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  transition: color 0.2s ease, border-color 0.2s ease;
}

.main-nav a:hover,
.main-nav a.active {
  color: var(--navy-900);
  border-color: var(--gold-500);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  width: 26px;
  height: 3px;
  background: var(--navy-900);
  border-radius: 2px;
  transition: 0.3s ease;
}

/* ===== WhatsApp Floating Button ===== */
.whatsapp-float {
  position: fixed;
  bottom: 26px;
  right: 26px;
  width: 60px;
  height: 60px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.5);
  z-index: 999;
  animation: pulse 2.4s infinite;
  transition: transform 0.25s ease;
}
.whatsapp-float:hover { transform: scale(1.1); }

@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.55); }
  70% { box-shadow: 0 0 0 16px rgba(37, 211, 102, 0); }
  100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
}

/* ===== Hero ===== */
.hero {
  position: relative;
  background-color: var(--navy-950);
  color: var(--white);
  padding: 70px 0;
  overflow: hidden;
}

.hero-bg-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transform: translateX(100%);
  transition: transform 1.2s cubic-bezier(0.65, 0.05, 0.36, 1);
  z-index: 0;
}
.hero-bg-slide.active { transform: translateX(0); z-index: 2; }
.hero-bg-slide.exit { transform: translateX(-100%); z-index: 1; }

.hero-copy-panel {
  background: rgba(7,26,51,0.38);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-lg);
  padding: 32px 36px;
  backdrop-filter: blur(16px);
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}

.hero-badge {
  display: inline-block;
  background: rgba(232, 176, 75, 0.15);
  color: var(--gold-400);
  border: 1px solid rgba(232,176,75,0.4);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 20px;
  letter-spacing: 0.4px;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.1rem, 4vw, 3.2rem);
  margin-bottom: 18px;
}

.hero p {
  color: rgba(255,255,255,0.82);
  font-size: 1.08rem;
  max-width: 520px;
  margin-bottom: 32px;
}

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

.hero-card {
  background: rgba(7,26,51,0.38);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-lg);
  padding: 32px;
  backdrop-filter: blur(16px);
}

.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 10px;
}

.hero-stat b {
  display: block;
  font-size: 1.8rem;
  color: var(--gold-400);
  font-family: Georgia, serif;
}
.hero-stat span { color: rgba(255,255,255,0.75); font-size: 0.9rem; }

/* ===== Sections ===== */
section { padding: 90px 0; }
.page-banner + section { padding-top: 50px; }
.section-alt { background: var(--cream-100); }

.section-head { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.eyebrow {
  color: var(--gold-600);
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-size: 0.8rem;
}
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); margin-top: 10px; }
.section-head p { color: var(--ink-600); margin-top: 14px; }

/* ===== Feature / Benefit Grid ===== */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 34px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  border: 1px solid rgba(11,36,71,0.06);
}
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }

.card-icon {
  width: 54px;
  height: 54px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.card-icon svg {
  width: 26px;
  height: 26px;
  color: var(--navy-950);
}
.card-icon.step-icon {
  width: 64px;
  height: 64px;
  background: none;
}
.card-icon.step-icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}
.card-icon.illustrated {
  width: 58px;
  height: 58px;
  background: none;
}
.card-icon.illustrated img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.card p { color: var(--ink-600); font-size: 0.96rem; }

/* ===== CTA Band ===== */
.cta-band {
  background: linear-gradient(120deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cta-band h2 { color: var(--white); font-size: 1.7rem; }
.cta-band p { color: rgba(255,255,255,0.8); margin-top: 6px; }

/* ===== Scheme Table / Cards ===== */
.scheme-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}

.scheme-card {
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(11,36,71,0.06);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.scheme-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }

.scheme-card.featured { border: 2px solid var(--gold-500); position: relative; }
.scheme-card.featured::after {
  content: "Most Popular";
  position: absolute;
  top: 16px;
  right: -34px;
  background: var(--gold-500);
  color: var(--navy-950);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 40px;
  transform: rotate(35deg);
}

.scheme-head {
  background: var(--navy-900);
  color: var(--white);
  padding: 26px 24px;
}
.scheme-head .amount { font-size: 2rem; font-family: Georgia, serif; color: var(--gold-400); }
.scheme-head .label { color: rgba(255,255,255,0.75); font-size: 0.9rem; }

.scheme-body { padding: 24px; }
.scheme-body li {
  padding: 9px 0;
  border-bottom: 1px dashed rgba(11,36,71,0.12);
  color: var(--ink-600);
  font-size: 0.95rem;
  display: flex;
  justify-content: space-between;
}
.scheme-body li:last-child { border-bottom: none; }
.scheme-body li b { color: var(--navy-900); }

.scheme-note {
  margin-top: 40px;
  background: var(--cream-100);
  border-left: 4px solid var(--gold-500);
  padding: 20px 24px;
  border-radius: var(--radius-sm);
  color: var(--ink-600);
  font-size: 0.92rem;
}

/* ===== Scheme Selector (tabs + live table) ===== */
.scheme-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 30px;
}

.scheme-tab {
  font-family: inherit;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 12px 22px;
  border-radius: 50px;
  border: 1.5px solid rgba(11,36,71,0.15);
  background: var(--white);
  color: var(--navy-900);
  cursor: pointer;
  transition: all 0.25s ease;
}
.scheme-tab:hover { border-color: var(--gold-500); transform: translateY(-2px); }
.scheme-tab.active {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  border-color: transparent;
  color: var(--navy-950);
  box-shadow: var(--shadow-sm);
}

.scheme-features {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}

.btn-view-template {
  margin-left: auto;
  padding: 8px 8px 8px 26px;
  background: var(--emerald-500);
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.4px;
  font-size: 0.85rem;
  box-shadow: var(--shadow-sm);
}
.btn-view-template:hover { background: #178055; transform: translateY(-3px); box-shadow: var(--shadow-md); }

.btn-view-template-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy-950);
  color: var(--white);
  flex-shrink: 0;
}

/* ===== Scheme Template Modal ===== */
.template-modal {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 1000;
  background: rgba(7, 26, 51, 0.78);
  padding: 40px 20px;
  overflow-y: auto;
}
.template-modal.open { display: flex; align-items: flex-start; justify-content: center; }

.template-modal-inner {
  position: relative;
  max-width: 480px;
  width: 100%;
  margin: auto;
}
.template-modal-inner img {
  width: 100%;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
}

.template-modal-close {
  position: absolute;
  top: -18px;
  right: -18px;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: none;
  background: var(--gold-500);
  color: var(--navy-950);
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
  box-shadow: var(--shadow-md);
}

.feature-pill {
  background: var(--navy-900);
  color: var(--white);
  padding: 14px 24px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 12px;
}
.feature-pill .feature-label { font-size: 0.9rem; color: rgba(255,255,255,0.8); }
.feature-pill .feature-label em { font-style: normal; color: rgba(255,255,255,0.55); font-size: 0.8rem; }
.feature-pill .feature-value { font-family: Georgia, serif; font-size: 1.3rem; color: var(--gold-400); font-weight: 700; }

.scheme-table-wrap {
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: auto;
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(11,36,71,0.06);
}

.scheme-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 560px;
}

.scheme-table th, .scheme-table td {
  padding: 14px 20px;
  text-align: center;
  white-space: nowrap;
  font-size: 0.95rem;
}

.scheme-table thead th {
  background: var(--navy-900);
  color: var(--white);
  font-weight: 700;
  position: sticky;
  top: 0;
}
.scheme-table thead th span {
  display: block;
  font-weight: 400;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.6);
  margin-top: 2px;
}

.scheme-table tbody tr:nth-child(even) { background: var(--cream-100); }
.scheme-table tbody td { color: var(--ink-600); }
.scheme-table tbody td:first-child { font-weight: 700; color: var(--navy-900); }
.scheme-table tbody td.reg-cell { color: var(--emerald-500); font-weight: 700; }

.scheme-table tfoot td {
  background: var(--cream-100);
  font-weight: 700;
  color: var(--navy-900);
  border-top: 2px solid var(--gold-500);
}
.scheme-table tfoot td span {
  display: block;
  font-weight: 400;
  font-size: 0.72rem;
  color: var(--ink-400);
}

.scheme-note-inline {
  margin-top: 22px;
  color: var(--ink-600);
  font-size: 0.88rem;
  text-align: center;
}

/* ===== About Page ===== */
.about-hero {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 50px;
  align-items: center;
}

.about-visual {
  border-radius: var(--radius-lg);
  width: 100%;
  height: clamp(280px, 32vw, 420px);
  object-fit: cover;
  box-shadow: var(--shadow-md);
}

/* ===== Page banner (image + title strip, used on secondary pages) ===== */
.page-banner {
  position: relative;
  height: 220px;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
  color: var(--white);
}
.page-banner .container { position: relative; z-index: 2; }
.page-banner .eyebrow { color: var(--gold-400); }
.page-banner h1 { color: var(--white); font-size: clamp(1.7rem, 3vw, 2.3rem); margin-top: 8px; }

.page-banner-copy {
  display: inline-block;
  background: rgba(7,26,51,0.38);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-md);
  padding: 18px 28px;
  backdrop-filter: blur(16px);
}

.page-banner.banner-scheme {
  background-image: url('../images/pexels-ravi-roshan-2875998-14907356.jpg');
}
.page-banner.banner-contact {
  background-image: url('../images/pexels-wolfgang-weiser-467045605-19824201.jpg');
}

/* ===== Split feature (image + text row, Home page) ===== */
.split-feature {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 46px;
  align-items: center;
}
.split-feature img {
  width: 100%;
  height: 340px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.split-feature h2 { font-size: 1.6rem; margin-top: 8px; margin-bottom: 16px; }
.split-feature p { color: var(--ink-600); margin-bottom: 14px; }

/* ===== Help strip (small image + reassurance text, Contact page) ===== */
.help-strip {
  display: flex;
  align-items: center;
  gap: 22px;
  background: var(--white);
  border: 1px solid rgba(11,36,71,0.06);
  border-radius: var(--radius-md);
  padding: 18px;
  margin-bottom: 32px;
  box-shadow: var(--shadow-sm);
}
.help-strip img {
  width: 84px;
  height: 84px;
  border-radius: 14px;
  object-fit: cover;
  flex-shrink: 0;
}
.help-strip p { color: var(--ink-600); font-size: 0.92rem; margin: 0; }
.help-strip strong { color: var(--navy-900); display: block; margin-bottom: 3px; }

.value-list li {
  display: flex;
  gap: 14px;
  margin-bottom: 18px;
  align-items: flex-start;
}
.value-list .tick {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--emerald-500);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
}

/* ===== Contact Page ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 36px;
}

.contact-info-card {
  background: var(--navy-900);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 24px; }
.contact-item { display: flex; gap: 16px; margin-bottom: 24px; align-items: flex-start; }
.contact-item .icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: rgba(232,176,75,0.15);
  color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 1.2rem;
}
.contact-item a, .contact-item p { color: rgba(255,255,255,0.85); }
.contact-item strong { color: var(--white); display: block; margin-bottom: 3px; }

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  box-shadow: var(--shadow-sm);
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 7px; color: var(--navy-900); }
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid #e2ddd0;
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--cream-50);
  transition: border-color 0.2s ease;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { outline: none; border-color: var(--gold-500); }

.map-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-top: 36px;
  line-height: 0;
}
.map-wrap iframe { width: 100%; height: 380px; border: 0; }

/* ===== Footer ===== */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,0.75); padding-top: 60px; }
.footer-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-col h3 { color: var(--white); margin-bottom: 14px; }
.footer-col h3 span { color: var(--gold-400); }
.footer-col h4 { color: var(--white); font-size: 1rem; margin-bottom: 16px; }
.footer-col p { font-size: 0.92rem; margin-bottom: 10px; }
.footer-col a { display: block; font-size: 0.92rem; margin-bottom: 12px; transition: color 0.2s ease; }
.footer-col a:hover { color: var(--gold-400); }
.footer-bottom { text-align: center; padding: 22px 0; font-size: 0.85rem; color: rgba(255,255,255,0.55); }

/* ===== Animations ===== */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(26px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(46px); }
  to { opacity: 1; transform: translateX(0); }
}
@keyframes wordIn {
  from { opacity: 0; transform: translateY(115%) rotate(3deg); }
  to { opacity: 1; transform: translateY(0) rotate(0); }
}

/* Hero headline — word-by-word reveal */
.rh-mask {
  display: inline-block;
  overflow: hidden;
  vertical-align: top;
  padding-bottom: 0.15em;
  margin-bottom: -0.15em;
}
.rh-word {
  display: inline-block;
  opacity: 0;
  animation: wordIn 0.85s cubic-bezier(0.22, 1, 0.36, 1) forwards;
  animation-delay: calc(var(--i) * 0.09s + 0.15s);
}
.rh-word.gold { color: var(--gold-400); }

.hero-badge { opacity: 0; animation: fadeInUp 0.7s ease forwards; }
.hero p { opacity: 0; animation: fadeInUp 0.7s ease forwards; animation-delay: 0.95s; }
.hero-actions { opacity: 0; animation: fadeInUp 0.7s ease forwards; animation-delay: 1.1s; }
.hero-card { opacity: 0; animation: fadeInRight 0.85s ease forwards; animation-delay: 0.35s; }

/* Scroll-triggered reveal (toggled by script.js via IntersectionObserver) */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1), transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal.in-view { opacity: 1; transform: translateY(0); }

.stagger > *:nth-child(1) { transition-delay: 0s; }
.stagger > *:nth-child(2) { transition-delay: 0.12s; }
.stagger > *:nth-child(3) { transition-delay: 0.24s; }
.stagger > *:nth-child(4) { transition-delay: 0.36s; }

@media (prefers-reduced-motion: reduce) {
  .rh-word, .hero-badge, .hero p, .hero-actions, .hero-card, .reveal {
    animation: none !important;
    transition: none !important;
    opacity: 1 !important;
    transform: none !important;
  }
}

/* ===== Responsive ===== */
@media (max-width: 960px) {
  .hero-inner, .about-hero, .contact-grid, .split-feature { grid-template-columns: 1fr; }
  .grid-3, .scheme-grid { grid-template-columns: 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .split-feature img { height: 260px; }
}

@media (max-width: 720px) {
  .nav-toggle { display: flex; }
  .main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--cream-50);
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
    box-shadow: var(--shadow-md);
  }
  .main-nav.open { max-height: 500px; }
  .main-nav a { width: 100%; padding: 16px 24px; border-bottom: 1px solid rgba(11,36,71,0.06); }
  .main-nav .btn-call {
    width: calc(100% - 48px);
    margin: 14px 24px;
    justify-content: center;
    box-sizing: border-box;
  }

  .grid-3, .grid-2, .scheme-grid, .footer-inner, .form-row { grid-template-columns: 1fr; }
  section { padding: 60px 0; }
  .hero { padding: 70px 0 90px; }
  .cta-band { flex-direction: column; text-align: center; padding: 40px 28px; }
  .scheme-card.featured::after { right: -38px; top: 14px; }
  .page-banner { height: 170px; }
  .help-strip { flex-direction: column; text-align: center; }
}