/* ============================================================
   SRK FINSURANCE THEME — CUSTOM STYLESHEET
   ============================================================ */

/* ----------------------------------------------------------
   1. CSS VARIABLES / DESIGN TOKENS
   ---------------------------------------------------------- */
:root {
    /* System Colors */
    --primary:     #0A4DA2;
    --secondary:   #F57C00;
    --text:        #64748B;
    --accent:      #54B435;

    /* Custom Colors */
    --dark-text:   #1E293B;
    --dark-blue:   #002B70;
    --background:  #F8FAFC;
    --white:       #FFFFFF;
    --border:      #E5E7EB;

    /* Typography */
    --ff-primary: 'Poppins', sans-serif;

    /* Font Sizes (Unified Design Hierarchy) */
    --fs-xs:   12px; /* Section Eyebrows & Badges */
    --fs-sm:   14px; /* Secondary Body Text & Captions */
    --fs-base: 16px; /* Primary Body Text & Buttons */
    --fs-md:   18px; /* Subheadings & Footer Headers */
    --fs-xl:   24px; /* Card Titles & Modal Headings */
    --fs-3xl:  30px; /* Section Titles (Distinctly Smaller than Hero) */
    --fs-5xl:  42px; /* Main Hero Headline (Prominently Big) */

    /* Shadows */
    --shadow-sm:    0 2px 8px rgba(0,0,0,0.08);
    --shadow-md:    0 4px 16px rgba(0,0,0,0.10);
    --shadow-lg:    0 8px 32px rgba(0,0,0,0.12);
    --shadow-card:  0 2px 12px rgba(0,0,0,0.08);

    /* Borders */
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 50%;

    /* Transitions */
    --transition: all 0.3s ease;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--ff-primary);
    font-size: var(--fs-base);
    line-height: 1.6;
    color: var(--text);
    background-color: var(--white);
    overflow-x: hidden;
}

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

a:hover {
    text-decoration: none;
}

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

ul, ol {
    list-style: none;
    padding: 0;
    margin: 0;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--ff-primary);
    font-weight: 600;
    line-height: 1.3;
    color: var(--primary);
}

p {
    margin-bottom: 0;
}

/* ----------------------------------------------------------
   3. UTILITY CLASSES
   ---------------------------------------------------------- */
.section-padding {
    padding: 80px 0;
}

.section-padding-sm {
    padding: 50px 0;
}

.section-title-sm {
    font-size: var(--fs-base);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--secondary);
    margin-bottom: 8px;
}

.section-title {
    font-size: var(--fs-3xl);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 12px;
}

.section-subtitle {
    font-size: var(--fs-base);
    color: var(--text);
    max-width: 600px;
    margin: 0 auto;
}

.orange-underline {
    width: 50px;
    height: 4px;
    background-color: var(--secondary);
    border-radius: 2px;
    margin: 12px auto 0;
    display: block;
}

.orange-underline-left {
    width: 50px;
    height: 4px;
    background-color: var(--secondary);
    border-radius: 2px;
    margin: 12px 0 0;
    display: block;
}

.bg-light-blue {
    background-color: var(--background) !important;
}

.bg-navy {
    background-color: var(--dark-blue) !important;
}

.text-primary {
    color: var(--primary) !important;
}

.text-secondary {
    color: var(--secondary) !important;
}

.text-dark-blue {
    color: var(--primary) !important;
}

.text-dark {
    color: var(--dark-text) !important;
}

.text-accent {
    color: var(--accent) !important;
}

.text-orange {
    color: var(--secondary) !important;
}

.text-navy {
    color: var(--primary) !important;
}

/* Mirror phone icon to match the design orientation */
.fa-phone, 
.fa-phone-alt {
    transform: scaleX(-1);
    display: inline-block;
}

/* Buttons */
.btn-orange {
    background-color: var(--secondary);
    color: var(--white);
    border: 2px solid var(--secondary);
    padding: 10px 28px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-base);
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-orange:hover {
    background-color: var(--secondary);
    border-color: var(--secondary);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(247, 148, 29, 0.4);
}

.btn-navy {
    background-color: var(--primary);
    color: var(--white);
    border: 2px solid var(--primary);
    padding: 10px 28px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-base);
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-navy:hover {
    background-color: var(--primary);
    border-color: var(--primary);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(10, 31, 68, 0.3);
}

.btn-outline-orange {
    background-color: transparent;
    color: var(--secondary);
    border: 2px solid var(--secondary);
    padding: 10px 28px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-base);
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-outline-orange:hover {
    background-color: var(--secondary);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(247, 148, 29, 0.4);
}

.link-arrow {
    color: var(--dark-blue);
    font-weight: 600;
    font-size: var(--fs-base);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition);
}

.link-arrow:hover {
    color: var(--secondary);
    gap: 10px;
}

.link-arrow-orange {
    color: var(--secondary);
    font-weight: 600;
    font-size: var(--fs-sm);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition);
}

.link-arrow-orange:hover {
    color: var(--secondary);
    gap: 10px;
}

.link-arrow-blue {
    color: var(--primary);
    font-weight: 600;
    font-size: var(--fs-sm);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition);
}

.link-arrow-blue:hover {
    color: var(--dark-blue);
    gap: 10px;
}

/* Check list item */
.check-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 10px;
    font-size: var(--fs-base);
    color: var(--text);
}

.check-item i {
    color: var(--accent);
    margin-top: 4px;
    font-size: var(--fs-base);
}

.why-partner-section .check-item i,
.why-choose-srkf-section .check-item i {
    color: var(--primary) !important;
}

/* Icon circle */
.icon-circle {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-xl);
    flex-shrink: 0;
}

.icon-circle-sm {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-base);
    flex-shrink: 0;
}

.icon-circle-lg {
    width: 72px;
    height: 72px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-base);
    flex-shrink: 0;
}

.icon-circle-orange {
    background-color: rgba(247, 148, 29, 0.12);
    color: var(--secondary);
}

.icon-circle-blue {
    background-color: rgba(0, 59, 142, 0.10);
    color: var(--primary);
}

.icon-circle-green {
    background-color: rgba(46, 139, 87, 0.10);
    color: var(--accent);
}

.icon-circle-navy {
    background-color: rgba(10, 31, 68, 0.10);
    color: var(--dark-blue);
}

.icon-circle-white {
    background-color: rgba(255, 255, 255, 0.15);
    color: var(--white);
}

.icon-circle-purple {
    background-color: rgba(156, 39, 176, 0.10);
    color: #9C27B0;
}

.badge-dot,
.title-dot,
.dot-icon {
    font-size: var(--fs-xs);
    vertical-align: middle;
}

.title-dot {
    margin-right: 6px;
}

/* ----------------------------------------------------------
   4. NAVBAR
   ---------------------------------------------------------- */
.navbar-srkf {
    background-color: var(--white);
    padding: 10px 0;
    box-shadow: var(--shadow-sm);
    transition: padding 0.3s ease, box-shadow 0.3s ease, background-color 0.3s ease;
    z-index: 1050;
}

.navbar-srkf.scrolled {
    padding: 6px 0;
    box-shadow: var(--shadow-md);
}

.navbar-srkf .navbar-brand img {
    height: 48px;
    width: auto;
    transition: height 0.3s ease;
}

.navbar-srkf.scrolled .navbar-brand img {
    height: 42px;
}

.navbar-srkf .nav-link {
    font-size: var(--fs-base);
    font-weight: 500;
    color: var(--dark-blue) !important;
    padding: 8px 16px !important;
    transition: var(--transition);
    position: relative;
}

.navbar-srkf .nav-link:hover,
.navbar-srkf .nav-link.active {
    color: var(--secondary) !important;
}

.navbar-srkf .nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 16px;
    right: 16px;
    height: 2px;
    background-color: var(--secondary);
    border-radius: 1px;
}

/* Dropdowns & Animated Sub-Menu Arrows */
.navbar-srkf .dropdown-toggle::after {
    display: none !important;
}

.navbar-srkf .nav-link i.fa-chevron-down {
    font-size: 11px;
    transition: transform 0.25s ease;
}

.navbar-srkf .nav-item.dropdown:hover .nav-link i.fa-chevron-down,
.navbar-srkf .nav-item.dropdown.show .nav-link i.fa-chevron-down {
    transform: rotate(180deg);
}

.navbar-srkf .dropdown-menu {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: 8px 0;
    margin-top: 8px;
    background: var(--white);
    transition: all 0.25s ease-in-out;
}

@media (min-width: 992px) {
    .navbar-srkf .nav-item.dropdown:hover > .dropdown-menu {
        display: block;
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }

    .navbar-srkf .dropdown-menu {
        display: block;
        opacity: 0;
        visibility: hidden;
        transform: translateY(10px);
    }
}

.navbar-srkf .dropdown-item {
    font-size: var(--fs-sm);
    font-weight: 500;
    color: var(--dark-text);
    padding: 9px 20px;
    display: flex;
    align-items: center;
    transition: all 0.2s ease;
    position: relative;
}

/* Animated Chevron Arrow on Sub-menu Hover */
.navbar-srkf .dropdown-item::before {
    content: '\f054';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    font-size: 10px;
    color: var(--secondary);
    margin-right: 8px;
    opacity: 0;
    transform: translateX(-6px);
    transition: all 0.2s ease;
}

.navbar-srkf .dropdown-item:hover {
    background-color: var(--background);
    color: var(--primary);
    padding-left: 24px;
}

.navbar-srkf .dropdown-item:hover::before {
    opacity: 1;
    transform: translateX(0);
}





.navbar-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: var(--fs-sm);
    color: var(--dark-blue);
    font-weight: 500;
    white-space: nowrap;
}

.navbar-phone .phone-icon {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-full);
    background-color: var(--secondary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-sm);
}

.navbar-phone .phone-label {
    display: block;
    font-size: var(--fs-xs);
    color: var(--text);
    line-height: 1.2;
}

.navbar-phone .phone-number {
    display: block;
    font-weight: 700;
    font-size: var(--fs-sm);
    color: var(--primary);
    line-height: 1.2;
}

.btn-get-quote {
    background-color: var(--secondary);
    color: var(--white) !important;
    border: none;
    padding: 10px 22px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-sm);
    transition: var(--transition);
    white-space: nowrap;
}

.btn-get-quote:hover {
    background-color: var(--secondary);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(247, 148, 29, 0.4);
}

.navbar-toggler {
    border: none;
    padding: 4px 8px;
}

.navbar-toggler:focus {
    box-shadow: none;
}

.navbar-toggler-icon {
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%230a1f44' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e") !important;
}

/* ----------------------------------------------------------
   5. HOME HERO SECTION
   ---------------------------------------------------------- */
.hero-home {
    position: relative;
    min-height: 520px;
    overflow: hidden;
    display: flex;
    align-items: center;
}

.hero-bg-slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-size: cover;
    background-position: center right;
    background-repeat: no-repeat;
    transform: translateX(100%);
    transition: transform 1s ease-in-out;
    z-index: 1;
}

.hero-bg-slide.active {
    transform: translateX(0%);
    z-index: 2;
}

.hero-bg-slide.prev-slide {
    transform: translateX(-100%);
    z-index: 1;
}

.hero-bg-1 {
    background-image: url('../images/hero-home.png');
}

.hero-bg-2 {
    background-image: url('../images/hero-loan-bg.png');
}

/* Faint background opacity for tablet & mobile devices for text contrast */
@media (max-width: 991px) {
    .hero-home .hero-bg-slide {
        opacity: 0.2;
    }
}

.hero-home-content {
    position: relative;
    z-index: 3;
    padding: 80px 0;
}

.hero-home-content h1 {
    font-size: var(--fs-5xl);
    font-weight: 600;
    color: var(--primary);
    line-height: 1.25;
    margin-bottom: 16px;
}

.hero-home-content h1 span {
    color: var(--secondary);
    font-weight: 600;
}

.hero-home-content .hero-desc {
    font-size: var(--fs-base);
    color: var(--dark-text);
    margin-bottom: 20px;
    line-height: 1.7;
}

.hero-home-content .hero-features {
    margin-bottom: 28px;
}

.hero-home-content .hero-features .check-item {
    font-size: var(--fs-base);
    margin-bottom: 8px;
}

.hero-home-content .hero-actions {
    display: flex;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
}

/* ----------------------------------------------------------
   6. INSURANCE PLANS SECTION
   ---------------------------------------------------------- */
.insurance-plans-section {
    margin-top: 0;
    padding: 60px 0;
    position: relative;
    z-index: 1;
    background-color: var(--white);
}

.insurance-plans-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border);
    padding: 40px 32px;
    width: 100%;
    max-width: 100%;
    margin: 0 auto;
}

.insurance-plans-card h3 {
    font-size: var(--fs-xl);
    font-weight: 600;
    text-align: center;
    color: var(--primary);
    margin-bottom: 28px;
}

.insurance-plans-card h3 span {
    font-weight: 600;
}

.plan-item {
    text-align: center;
    padding: 12px 8px;
    cursor: pointer;
    transition: var(--transition);
}

.plan-item:hover {
    transform: translateY(-4px);
}

.plan-item .plan-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    border: 2px dashed var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 10px;
    font-size: var(--fs-xl);
    color: var(--primary);
    transition: var(--transition);
}

.plan-item:hover .plan-icon {
    background-color: var(--primary);
    color: var(--white);
    border-style: solid;
}

.plan-item .plan-name {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--primary);
}



/* ----------------------------------------------------------
   7. TECHNOLOGY PLATFORM & WHY CHOOSE SECTION
   ---------------------------------------------------------- */
.tech-platform-section,
.why-choose-section {
    padding: 60px 0 70px;
    background-color: var(--white);
}

.tech-platform-section .section-title,
.why-choose-section .section-title {
    font-size: var(--fs-3xl);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 12px;
}

.feature-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 32px 24px;
    text-align: center;
    transition: var(--transition);
    height: 100%;
}

.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.feature-card .feature-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-xl);
    margin: 0 auto 16px;
}

.feature-card h4 {
    font-size: var(--fs-xl);
    font-weight: 600;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 10px;
    letter-spacing: 0.5px;
}

.tech-platform-section .feature-card h4 {
    font-size: 1.125rem;
    line-height: 1.35;
}

.feature-card p {
    font-size: var(--fs-sm);
    color: var(--text);
    line-height: 1.6;
}

/* Dot pattern decoration */
.dots-pattern {
    position: absolute;
    width: 80px;
    height: 80px;
    background-image: radial-gradient(circle, var(--secondary) 2px, transparent 2px);
    background-size: 12px 12px;
    opacity: 0.3;
}

/* ----------------------------------------------------------
   8. WHY TRUST US SECTION
   ---------------------------------------------------------- */
.why-trust-section {
    padding: 70px 0;
    background-color: var(--white);
}

.why-trust-section .trust-label {
    font-size: var(--fs-base);
    font-weight: 600;
    text-transform: uppercase;
    color: var(--secondary);
    letter-spacing: 1.5px;
    margin-bottom: 8px;
}

.why-trust-section h2 {
    font-size: var(--fs-3xl);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 16px;
    line-height: 1.25;
}

.why-trust-section .trust-desc {
    font-size: var(--fs-base);
    color: var(--dark-text);
    margin-bottom: 20px;
}

.why-trust-section .trust-checks {
    margin-top: 20px;
}

.trust-image-wrapper {
    border-radius: var(--radius-lg);
    overflow: hidden;
    height: 100%;
}

.trust-image-wrapper img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: var(--radius-lg);
}

.testimonial-card {
    background-color: var(--dark-blue);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    position: relative;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
    color: var(--white);
}

.testimonial-card .quote-icon {
    font-size: var(--fs-sm);
    color: var(--white);
    margin-bottom: 16px;
    line-height: 1;
}

.testimonial-card .quote-text {
    font-size: var(--fs-sm);
    font-weight: 500;
    color: var(--white);
    line-height: 1.6;
    margin-bottom: 20px;
}

.testimonial-card .divider {
    width: 50px;
    height: 2px;
    background: var(--white);
    margin-bottom: 16px;
    opacity: 0.6;
}

.testimonial-card .author-name {
    font-size: var(--fs-base);
    font-weight: 700;
    color: var(--white);
}

.testimonial-card .author-role {
    font-size: var(--fs-sm);
    color: rgba(255, 255, 255, 0.7);
}

/* ----------------------------------------------------------
   9. STATS BAR
   ---------------------------------------------------------- */
.stats-bar {
    background-color: var(--background);
    padding: 36px 0;
}

.stat-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 8px 0;
}

.stat-item .stat-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-xl);
    flex-shrink: 0;
}

.stat-item .stat-number {
    font-size: var(--fs-3xl);
    font-weight: 600;
    color: var(--primary);
    line-height: 1.1;
}

.stat-item .stat-label {
    font-size: var(--fs-sm);
    color: var(--text);
    font-weight: 400;
}

.stat-divider {
    width: 1px;
    height: 50px;
    background-color: var(--border);
    margin: 0 auto;
}

/* ----------------------------------------------------------
   10. NEWSLETTER BAR
   ---------------------------------------------------------- */
.newsletter-bar {
    background-color: var(--primary);
    padding: 28px 0;
}

.newsletter-bar .newsletter-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-xl);
    color: var(--white);
    flex-shrink: 0;
}

.newsletter-bar h4 {
    font-size: var(--fs-base);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 2px;
}

.newsletter-bar p {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.7);
}

.newsletter-form {
    display: flex;
    gap: 0;
    max-width: 420px;
}

.newsletter-form input {
    flex: 1;
    padding: 12px 18px;
    border: 1px solid rgba(255,255,255,0.2);
    border-right: none;
    border-radius: var(--radius-sm) 0 0 var(--radius-sm);
    background: rgba(255,255,255,0.08);
    color: var(--white);
    font-size: var(--fs-sm);
    font-family: var(--ff-primary);
    outline: none;
    transition: var(--transition);
}

.newsletter-form input::placeholder {
    color: rgba(255,255,255,0.5);
}

.newsletter-form input:focus {
    border-color: var(--secondary);
    background: rgba(255,255,255,0.12);
}

.newsletter-form button {
    padding: 12px 24px;
    background: var(--secondary);
    color: var(--white);
    border: none;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-weight: 600;
    font-size: var(--fs-sm);
    font-family: var(--ff-primary);
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}

.newsletter-form button:hover {
    background: var(--secondary);
}

/* ----------------------------------------------------------
   11. FOOTER
   ---------------------------------------------------------- */
.footer-main {
    background-color: var(--dark-blue);
    padding: 50px 0 30px;
    color: rgba(255,255,255,0.8);
}

.footer-logo {
    height: 70px;
    width: auto;
    margin-bottom: 10px;
}

.footer-tagline {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.6);
    margin-bottom: 20px;
}

.footer-socials {
    display: flex;
    gap: 10px;
}

.footer-social-icon {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: var(--fs-base);
    transition: var(--transition);
}

.footer-social-icon:hover {
    background: var(--secondary);
    color: var(--white);
    transform: translateY(-3px);
}

.footer-heading {
    font-size: var(--fs-md);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 20px;
}

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

.footer-links a {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.65);
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--secondary);
    padding-left: 4px;
}

.footer-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.65);
}

.footer-contact-item i {
    color: var(--secondary);
    margin-top: 3px;
    font-size: var(--fs-sm);
    flex-shrink: 0;
}

.footer-contact-item a {
    color: rgba(255,255,255,0.65);
}

.footer-contact-item a:hover {
    color: var(--secondary);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    margin-top: 30px;
    padding-top: 20px;
    text-align: center;
}

.footer-bottom p {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.5);
}

/* ----------------------------------------------------------
   12. PAGE BANNER (Inner pages)
   ---------------------------------------------------------- */
.page-banner {
    background: linear-gradient(135deg, var(--dark-blue) 0%, var(--dark-blue) 100%);
    padding: 60px 0 50px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.page-banner::before {
    content: '';
    position: absolute;
    top: -40px;
    left: -40px;
    width: 200px;
    height: 200px;
    border: 2px solid rgba(255,255,255,0.06);
    border-radius: var(--radius-full);
}

.page-banner::after {
    content: '';
    position: absolute;
    top: -30px;
    right: -30px;
    width: 180px;
    height: 180px;
    border: 2px solid rgba(255,255,255,0.05);
    border-radius: var(--radius-full);
}

.page-banner h1 {
    font-size: var(--fs-xl);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 12px;
    position: relative;
    z-index: 2;
}

.page-banner .banner-subtitle {
    font-size: var(--fs-base);
    color: rgba(255,255,255,0.7);
    max-width: 500px;
    margin: 0 auto 16px;
    position: relative;
    z-index: 2;
    line-height: 1.6;
}

.page-banner .orange-underline {
    margin: 0 auto;
    position: relative;
    z-index: 2;
}

/* ----------------------------------------------------------
   13. CONTACT PAGE
   ---------------------------------------------------------- */
.contact-section {
    padding: 60px 0 70px;
}

.get-in-touch {
    background: linear-gradient(180deg, var(--dark-blue) 0%, var(--dark-blue) 100%);
    border-radius: var(--radius-lg);
    padding: 36px 30px;
    color: var(--white);
    height: 100%;
}

.get-in-touch h3 {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 8px;
}

.get-in-touch .touch-desc {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.65);
    margin-bottom: 28px;
    line-height: 1.6;
}

.contact-info-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 24px;
}

.contact-info-item .ci-icon {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-sm);
    color: var(--accent);
    flex-shrink: 0;
}

.contact-info-item .ci-label {
    font-size: var(--fs-base);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 2px;
}

.contact-info-item .ci-value {
    font-size: var(--fs-sm);
    color: var(--secondary);
    line-height: 1.5;
}

.contact-info-item .ci-value.text-white-70 {
    color: rgba(255,255,255,0.7);
}

.working-hours {
    background: rgba(255,255,255,0.06);
    border-radius: var(--radius-md);
    padding: 16px 20px;
    margin-top: 8px;
}

.working-hours .wh-icon {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-sm);
    color: var(--secondary);
    flex-shrink: 0;
}

.working-hours h5 {
    font-size: var(--fs-base);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 4px;
}

.working-hours p {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.6);
    line-height: 1.5;
}

/* Contact form */
.contact-form-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    height: 100%;
}

.contact-form-card h3 {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 6px;
}

.contact-form-card .form-desc {
    font-size: var(--fs-sm);
    color: var(--text);
    margin-bottom: 24px;
}

.contact-form-card .form-label {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--dark-blue);
    margin-bottom: 6px;
}

.contact-form-card .form-label .required {
    color: var(--secondary);
}

.contact-form-card .form-control {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 11px 14px 11px 40px;
    font-size: var(--fs-sm);
    font-family: var(--ff-primary);
    color: var(--text);
    transition: var(--transition);
}

.contact-form-card .form-control:focus {
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(247, 148, 29, 0.1);
}

.contact-form-card .form-control::placeholder {
    color: var(--text);
    font-size: var(--fs-sm);
}

.contact-form-card textarea.form-control {
    min-height: 120px;
    resize: vertical;
}

.input-icon-wrapper {
    position: relative;
}

.input-icon-wrapper .input-icon {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text);
    font-size: var(--fs-sm);
    z-index: 2;
}

.input-icon-wrapper .input-icon.fa-phone,
.input-icon-wrapper .input-icon.fa-phone-alt {
    transform: translateY(-50%) scaleX(-1);
}

.input-icon-wrapper textarea ~ .input-icon,
.input-icon-wrapper .input-icon-textarea {
    top: 16px;
    transform: none;
}

.btn-send-message {
    width: 100%;
    padding: 14px;
    background: var(--secondary);
    color: var(--white);
    border: none;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-base);
    font-family: var(--ff-primary);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: var(--transition);
}

.btn-send-message:hover {
    background: var(--secondary);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(247, 148, 29, 0.4);
}

/* ----------------------------------------------------------
   14. INSURANCE PAGE — HERO
   ---------------------------------------------------------- */
.hero-insurance {
    background: linear-gradient(135deg, var(--white) 40%, var(--background) 100%);
    padding: 70px 0 60px;
    position: relative;
    overflow: hidden;
    color: var(--text);
}

.hero-insurance h1 {
    font-size: var(--fs-5xl);
    font-weight: 600;
    color: var(--primary);
    line-height: 1.25;
    margin-bottom: 16px;
}

.hero-insurance h1 span {
    color: var(--secondary);
    font-weight: 600;
}

.hero-insurance .hero-desc {
    font-size: var(--fs-base);
    color: var(--dark-text);
    margin-bottom: 24px;
    line-height: 1.7;
}

.hero-insurance .hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 32px;
}

.hero-insurance .hero-stats-row {
    padding-top: 20px;
    border-top: 1px solid var(--border);
}

.hero-stat-item {
    display: flex;
    align-items: center;
    gap: 8px;
}

.hero-stat-item i {
    font-size: var(--fs-base);
    color: var(--primary);
}

.hero-stat-item .stat-text {
    font-size: var(--fs-sm);
    color: var(--text);
}

.hero-stat-item .stat-text strong {
    display: block;
    font-size: var(--fs-sm);
    color: var(--dark-blue);
}

.hero-insurance-img {
    text-align: center;
}

.hero-insurance-img img {
    max-height: 360px;
    margin: 0 auto;
}

/* ----------------------------------------------------------
   15. INSURANCE SOLUTIONS CARDS
   ---------------------------------------------------------- */
.insurance-solutions-section {
    padding: 70px 0;
    background: var(--white);
}

.solution-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 28px 20px;
    text-align: center;
    transition: var(--transition);
    height: 100%;
    border-top: 4px solid var(--border); /* Default top border */
}

.solution-card.card-blue { border-top-color: var(--primary); }
.solution-card.card-orange { border-top-color: var(--secondary); }
.solution-card.card-green { border-top-color: var(--accent); }
.solution-card.card-purple { border-top-color: #9C27B0; }
.solution-card.card-yellow { border-top-color: #ffa940; }
.solution-card.card-navy { border-top-color: var(--dark-blue); }

.solution-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.solution-card .sol-icon {
    width: 64px;
    height: 64px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 14px;
    font-size: var(--fs-sm);
}

.solution-card h4 {
    font-size: var(--fs-xl);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 10px;
}

.solution-card p {
    font-size: var(--fs-sm);
    color: var(--text);
    line-height: 1.6;
    margin-bottom: 14px;
}

/* ----------------------------------------------------------
   16. WHY PARTNER SECTION
   ---------------------------------------------------------- */
.why-partner-section {
    padding: 70px 0;
    background: var(--background);
}

.why-partner-section .partner-label {
    font-size: var(--fs-sm);
    font-weight: 600;
    text-transform: uppercase;
    color: var(--secondary);
    letter-spacing: 1.5px;
    margin-bottom: 8px;
}

.why-partner-section h2 {
    font-size: var(--fs-3xl);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 16px;
}

.why-partner-section .partner-desc {
    font-size: var(--fs-base);
    color: var(--dark-text);
    margin-bottom: 20px;
}

.dashboard-img {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.dashboard-img img {
    width: 100%;
    height: auto;
}

/* ----------------------------------------------------------
   17. HOW IT WORKS / STEPS SECTION
   ---------------------------------------------------------- */
.how-it-works-section {
    padding: 70px 0;
    background: var(--white);
}

.step-item {
    text-align: center;
    position: relative;
    padding: 0 10px;
}

.step-item .step-icon {
    width: 72px;
    height: 72px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 14px;
    font-size: var(--fs-base);
    position: relative;
    z-index: 2;
    background-color: var(--white) !important;
    border: 2px solid var(--dark-blue) !important;
    color: var(--primary) !important;
}

.step-item h5 {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 6px;
}

.step-item p {
    font-size: var(--fs-xs);
    color: var(--text);
    line-height: 1.5;
}

/* Dotted connector between steps */
.step-connector {
    position: absolute;
    top: 36px;
    left: calc(50% + 40px);
    width: calc(100% - 80px);
    border-top: 2px dashed var(--border);
    z-index: 1;
}

/* ----------------------------------------------------------
   18. PARTNERS LOGOS
   ---------------------------------------------------------- */
.partners-section {
    padding: 50px 0;
    background: var(--white);
}

.partner-logo-item {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 16px 12px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    height: 70px;
    transition: var(--transition);
    background: var(--white);
}

.partner-logo-item:hover {
    box-shadow: var(--shadow-sm);
    border-color: var(--primary);
}

.partner-logo-item img {
    max-height: 36px;
    width: auto;
    object-fit: contain;
    filter: grayscale(30%);
    transition: var(--transition);
}

.partner-logo-item:hover img {
    filter: grayscale(0);
}

.partner-logo-more {
    font-size: var(--fs-base);
    font-weight: 600;
    color: var(--dark-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    height: 70px;
}

/* ----------------------------------------------------------
   19. TESTIMONIALS CAROUSEL
   ---------------------------------------------------------- */
.testimonials-section {
    padding: 60px 0 70px;
    background: var(--background);
}

.testimonials-slider-wrapper {
    overflow-x: auto;
    scroll-behavior: smooth;
    scroll-snap-type: x mandatory;
    scrollbar-width: none;
    -ms-overflow-style: none;
    padding: 12px 4px 20px;
}

.testimonials-slider-wrapper::-webkit-scrollbar {
    display: none;
}

.testimonials-slider-row {
    flex-wrap: nowrap !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
}

.testimonial-col {
    flex: 0 0 100%;
    max-width: 100%;
    scroll-snap-align: start;
    padding-left: 12px;
    padding-right: 12px;
}

@media (min-width: 768px) {
    .testimonial-col {
        flex: 0 0 50%;
        max-width: 50%;
    }
}

@media (min-width: 992px) {
    .testimonial-col {
        flex: 0 0 33.333333%;
        max-width: 33.333333%;
    }
}

.testimonial-slide {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 28px 24px;
    box-shadow: var(--shadow-card);
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.testimonial-slide .ts-quote-icon {
    font-size: var(--fs-sm);
    color: var(--secondary);
    margin-bottom: 14px;
    line-height: 1;
}

.testimonial-slide .ts-text {
    font-size: var(--fs-sm);
    color: var(--text);
    line-height: 1.7;
    margin-bottom: 20px;
}

.testimonial-slide .ts-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testimonial-slide .ts-avatar {
    width: 42px;
    height: 42px;
    border-radius: var(--radius-full);
    background: var(--background);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-sm);
    color: var(--primary);
    flex-shrink: 0;
}

.testimonial-slide .ts-name {
    font-size: var(--fs-sm);
    font-weight: 700;
    color: var(--dark-blue);
}

.testimonial-slide .ts-role {
    font-size: var(--fs-xs);
    color: var(--text);
}

.testimonials-carousel-btn {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-full);
    border: 1px solid var(--border);
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--dark-blue);
    cursor: pointer;
    transition: var(--transition);
}

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

/* ----------------------------------------------------------
   20. CTA BANNER
   ---------------------------------------------------------- */
.cta-banner {
    background: linear-gradient(135deg, var(--dark-blue) 0%, var(--primary) 100%);
    padding: 48px 0;
    border-radius: var(--radius-lg);
    margin: 0 15px;
    position: relative;
    overflow: hidden;
}

.cta-banner::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 180px;
    height: 180px;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,0.04);
}

.cta-banner h2 {
    font-size: var(--fs-xl);
    font-weight: 600;
    color: var(--white);
    margin-bottom: 10px;
}

.cta-banner p {
    font-size: var(--fs-base);
    color: rgba(255,255,255,0.7);
    margin-bottom: 0;
}

.cta-banner .cta-right {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    justify-content: center;
    gap: 12px;
}

.cta-banner .cta-phone {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.8);
    display: flex;
    align-items: center;
    gap: 8px;
}

.cta-banner .cta-phone i {
    color: var(--accent);
}

/* ----------------------------------------------------------
   21. LOAN PAGE — HERO
   ---------------------------------------------------------- */
.hero-loan {
    position: relative;
    min-height: 460px;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 60px 0;
}

.hero-loan-content {
    position: relative;
    z-index: 2;
}

.hero-loan .loan-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(247, 148, 29, 0.12);
    color: var(--secondary);
    font-size: var(--fs-sm);
    font-weight: 600;
    padding: 6px 14px;
    border-radius: 20px;
    margin-bottom: 16px;
}

.hero-loan h1 {
    font-size: var(--fs-5xl);
    font-weight: 600;
    color: var(--primary);
    line-height: 1.2;
    margin-bottom: 16px;
}

.hero-loan .hero-desc {
    font-size: var(--fs-base);
    color: var(--dark-text);
    margin-bottom: 20px;
    max-width: 480px;
}

.hero-loan .hero-features {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    margin-bottom: 28px;
}

.hero-loan .hero-feature-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: var(--fs-sm);
    color: var(--dark-text);
}

.hero-loan .hero-feature-item i {
    font-size: var(--fs-base);
    color: var(--text);
}

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

/* ----------------------------------------------------------
   22. LOAN SOLUTIONS CARDS
   ---------------------------------------------------------- */
.loan-solutions-section {
    padding: 70px 0;
    background: var(--white);
}

/* Reuses .solution-card from insurance section */

/* ----------------------------------------------------------
   23. WHY CHOOSE SRKF SECTION (Loan Page)
   ---------------------------------------------------------- */
.why-choose-srkf-section {
    padding: 60px 0;
    background: var(--background);
}

.why-choose-srkf-section h2 {
    font-size: var(--fs-3xl);
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 20px;
}

.srkf-feature-box {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 20px 16px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    height: 100%;
}

.srkf-feature-box:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.srkf-feature-box .sfb-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 10px;
    font-size: var(--fs-sm);
}

.srkf-feature-box h5 {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--primary);
}

.shield-img {
    text-align: center;
}

.shield-img img {
    max-height: 220px;
    margin: 0 auto;
}

/* ----------------------------------------------------------
   24. TRUSTED PARTNERS ROW (Loan page)
   ---------------------------------------------------------- */
.trusted-partners {
    padding: 40px 0;
    background: var(--white);
    text-align: center;
}

.trusted-partners p {
    font-size: var(--fs-base);
    color: var(--text);
    margin-bottom: 24px;
}

.trusted-partners p strong {
    color: var(--dark-blue);
}

/* ----------------------------------------------------------
   25. RESPONSIVE BREAKPOINTS
   ---------------------------------------------------------- */

/* Large desktop */
@media (min-width: 1200px) {
    .container {
        max-width: 1140px;
    }
}

/* Laptop / small desktop */
@media (max-width: 1199px) {
    .hero-home-content h1 {
        font-size: var(--fs-xl);
    }

    .hero-insurance h1,
    .hero-loan h1 {
        font-size: var(--fs-4xl);
    }
}

/* Tablet */
@media (max-width: 991px) {
    .hero-home {
        min-height: auto;
        padding: 60px 0;
        background-position: 70% center; /* Shift bg slightly to keep people visible but clear of text */
    }

    .hero-home-content {
        padding: 20px 0;
    }

    .hero-home-content h1 {
        font-size: var(--fs-xl);
    }

    .section-padding {
        padding: 60px 0;
    }

    .why-trust-section .row > div {
        margin-bottom: 24px;
    }

    .hero-insurance .hero-stats-row {
        gap: 16px;
    }

    .cta-banner .cta-right {
        align-items: flex-start;
        margin-top: 20px;
    }

    .stat-divider {
        display: none;
    }

    .stat-item {
        justify-content: center;
        text-align: center;
    }

    .navbar-phone {
        margin: 10px 0;
    }

    .newsletter-bar .row {
        text-align: center;
    }

    .newsletter-form {
        margin: 16px auto 0;
    }

    .step-connector {
        display: none;
    }

    .page-banner h1 {
        font-size: var(--fs-xl);
    }
}

/* Mobile & Tablet Responsiveness (< 768px) */
@media (max-width: 767px) {
    .hero-home {
        background-position: 75% center;
        position: relative;
    }

    .hero-home::before {
        content: '';
        position: absolute;
        inset: 0;
        background: linear-gradient(180deg, rgba(255, 255, 255, 0.92) 0%, rgba(248, 250, 252, 0.85) 100%);
        z-index: 1;
        pointer-events: none;
    }

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

    .hero-home-content {
        padding: 25px 0;
        background: transparent;
        border-radius: 0;
        box-shadow: none;
    }

    .hero-home-content h1 {
        font-size: var(--fs-xl);
    }

    .section-title {
        font-size: var(--fs-xl);
        margin-bottom: 10px;
    }

    .section-padding {
        padding: 45px 0;
    }

    .insurance-plans-section {
        margin-top: 0;
    }

    .hero-overlap-wrapper {
        margin-top: -35px;
    }

    .hero-overlap-wrapper .home-brand-slider-section .container {
        padding: 24px 16px;
    }

    .insurance-plans-card {
        padding: 24px 16px;
    }

    .stats-bar .col-6 {
        margin-bottom: 16px;
    }

    .footer-main .col-lg-3 {
        margin-bottom: 24px;
    }

    .page-banner {
        padding: 40px 0 35px;
    }

    .page-banner h1 {
        font-size: var(--fs-xl);
    }

    .get-in-touch {
        margin-bottom: 30px;
    }

    .contact-form-card {
        padding: 24px 20px;
    }

    .hero-insurance h1,
    .hero-loan h1 {
        font-size: var(--fs-xl);
    }

    .cta-banner {
        margin: 0;
        border-radius: 0;
        padding: 36px 0;
    }

    .cta-banner h2 {
        font-size: var(--fs-xl);
    }

    .solution-card {
        margin-bottom: 16px;
    }

    .step-item {
        margin-bottom: 30px;
    }

    .newsletter-bar h4 {
        font-size: var(--fs-base);
    }

    .newsletter-form {
        flex-direction: column;
        gap: 10px;
    }

    .newsletter-form input,
    .newsletter-form button {
        border-radius: var(--radius-sm);
        width: 100%;
    }

    .newsletter-form input {
        border-right: 1px solid rgba(255,255,255,0.2);
    }

    .why-choose-srkf-section .srkf-feature-box {
        margin-bottom: 16px;
    }
}

/* Extra Small Devices (< 575px) */
@media (max-width: 575px) {
    .hero-home-content h1 {
        font-size: var(--fs-xl);
    }

    .hero-home-content .hero-actions,
    .hero-insurance .hero-actions,
    .hero-loan .hero-actions {
        flex-direction: column;
        gap: 12px;
    }

    .hero-actions a {
        width: 100%;
        justify-content: center;
    }

    .plan-item .plan-icon {
        width: 52px;
        height: 52px;
        font-size: var(--fs-md);
    }

    .plan-item .plan-name {
        font-size: var(--fs-xs);
    }

    .navbar-srkf .navbar-brand img {
        height: 40px;
    }

    .partner-logo-item,
    .home-brand-logo-item {
        min-width: 170px;
        height: 85px;
        padding: 10px 16px;
    }

    .partner-logo-item img,
    .home-brand-logo-item img {
        max-height: 55px;
        max-width: 130px;
    }
}

/* ----------------------------------------------------------
   PARTNERS & BRAND INFINITE MARQUEE SLIDER
   ---------------------------------------------------------- */
.partners-section {
    padding: 50px 0 40px;
    background: #f8fafc;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    overflow: hidden;
    position: relative;
}

.brand-slider-wrapper {
    position: relative;
    width: 100%;
    overflow: hidden;
    padding: 10px 0;
}

.brand-slider-wrapper::before,
.brand-slider-wrapper::after {
    content: '';
    position: absolute;
    top: 0;
    width: 120px;
    height: 100%;
    z-index: 2;
    pointer-events: none;
}

.brand-slider-wrapper::before {
    left: 0;
    background: linear-gradient(to right, #f8fafc 0%, rgba(248, 250, 252, 0) 100%);
}

.brand-slider-wrapper::after {
    right: 0;
    background: linear-gradient(to left, #f8fafc 0%, rgba(248, 250, 252, 0) 100%);
}

.brand-slider-track {
    display: flex;
    align-items: center;
    gap: 24px;
    width: max-content;
    animation: brandInfiniteScroll 25s linear infinite;
}

.brand-slider-wrapper:hover .brand-slider-track {
    animation-play-state: paused;
}

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

.partner-logo-item {
    flex: 0 0 auto;
    background: var(--white);
    border: 1px solid rgba(0, 51, 102, 0.08);
    border-radius: 14px;
    padding: 16px 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.04);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
    min-width: 240px;
    height: 110px;
}

.partner-logo-item:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.1);
    border-color: var(--secondary);
}

.partner-logo-item img {
    max-height: 80px;
    max-width: 200px;
    object-fit: contain;
}

/* ----------------------------------------------------------
   CONTACT SECTION & GET IN TOUCH
   ---------------------------------------------------------- */
.contact-section {
    padding: 70px 0;
    background: var(--background);
}

.get-in-touch {
    background: var(--dark-blue);
    color: var(--white);
    padding: 40px 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    height: 100%;
}

.get-in-touch h3 {
    color: var(--white);
    font-size: var(--fs-sm);
    font-weight: 600;
}

.touch-desc {
    color: rgba(255, 255, 255, 0.8);
    font-size: var(--fs-sm);
    margin-bottom: 24px;
}

.contact-info-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 20px;
}

.contact-info-item .ci-icon {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-full);
    background: rgba(255, 255, 255, 0.1);
    color: var(--secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--fs-sm);
    flex-shrink: 0;
}

.contact-info-item .ci-label {
    font-size: var(--fs-xs);
    text-transform: uppercase;
    letter-spacing: 1px;
    color: rgba(255, 255, 255, 0.6);
    margin-bottom: 2px;
}

.contact-info-item .ci-value {
    font-size: var(--fs-base);
    font-weight: 600;
    color: var(--white);
}

.contact-info-item .ci-value a {
    color: inherit;
    transition: var(--transition);
}

.contact-info-item .ci-value a:hover {
    color: var(--secondary);
}

.hero-loan {
    background-image: url('../images/hero-loan-bg.png');
    background-size: cover;
    background-position: center;
}

/* ----------------------------------------------------------
   SPECIAL HOME PAGE BRAND SLIDER (Full-width, Card-less)
   ---------------------------------------------------------- */
.home-brand-slider-section {
    padding: 55px 0 45px;
    background: #f8fafc;
    position: relative;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    overflow: hidden;
}

/* Hero Overlap Floating Card Container (Home Page) */
.hero-overlap-wrapper {
    margin-top: -60px;
    position: relative;
    z-index: 10;
    padding-bottom: 30px;
}

.hero-overlap-wrapper .home-brand-slider-section {
    margin-top: 0;
    padding: 0;
    background: transparent;
    border: none;
    overflow: visible;
}

.hero-overlap-wrapper .home-brand-slider-section .container {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    padding: 32px 36px;
    border: 1px solid var(--border);
}

.badge-brand-trust {
    display: inline-block;
    font-size: var(--fs-xs);
    font-weight: 700;
    color: var(--secondary);
    background: rgba(245, 124, 0, 0.1);
    padding: 4px 14px;
    border-radius: 20px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 10px;
}

.home-brand-title {
    font-size: var(--fs-xl);
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 6px;
}

.home-brand-logo-item {
    flex: 0 0 auto;
    background: #ffffff;
    border: 1px solid rgba(0, 51, 102, 0.09);
    border-radius: 16px;
    padding: 20px 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.05);
    transition: all 0.3s ease;
    min-width: 270px;
    height: 125px;
}

.home-brand-logo-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.12);
    border-color: var(--secondary);
}

.home-brand-logo-item img {
    max-height: 95px;
    max-width: 230px;
    object-fit: contain;
    filter: grayscale(5%);
    transition: filter 0.3s ease, transform 0.3s ease;
}

.home-brand-logo-item:hover img {
    filter: grayscale(0%);
    transform: scale(1.08);
}

/* ----------------------------------------------------------
   MODERN REUSABLE TABS & PANES
   ---------------------------------------------------------- */
.modern-tabs {
    background-color: var(--background);
    padding: 6px;
    border-radius: 14px;
    border: 1px solid var(--border);
}

.modern-tabs .nav-link {
    font-size: var(--fs-xs);
    font-weight: 600;
    color: var(--dark-text);
    background: transparent;
    border: none;
    border-radius: 10px;
    padding: 8px 14px;
    transition: all 0.25s ease-in-out;
}

.modern-tabs .nav-link i {
    font-size: 13px;
    transition: transform 0.25s ease;
}

.modern-tabs .nav-link:hover {
    color: var(--primary);
    background-color: rgba(10, 77, 162, 0.06);
}

.modern-tabs .nav-link:hover i {
    transform: translateY(-1px);
}

.modern-tabs .nav-link.active {
    background: linear-gradient(135deg, var(--primary) 0%, var(--dark-blue) 100%);
    color: var(--white);
    box-shadow: 0 4px 12px rgba(10, 77, 162, 0.25);
}

.modern-tab-pane {
    background: var(--white);
    border: 1px solid var(--border);
    border-left: 4px solid var(--secondary);
    border-radius: var(--radius-md);
    padding: 22px 20px;
    box-shadow: var(--shadow-card);
}