/* =============================================
   BHP Finance — Extra Pages Stylesheet
   Covers: Privacy / Terms, Disclaimer, FAQ,
           Careers, Blog, Loan Apply
   ============================================= */

/* ══════════════════════════════════════════
   SHARED POLICY PAGES (Privacy + Terms)
══════════════════════════════════════════ */
.policy-last-updated{
  background:rgba(255,255,255,.12);backdrop-filter:blur(8px);
  border:1px solid rgba(255,255,255,.2);color:#fff;
  padding:10px 20px;border-radius:8px;font-size:.85rem;font-weight:500;
  display:inline-block
}
.policy-toc{
  background:#f8fafc;border:1px solid #e5e7eb;
  border-radius:12px;padding:24px
}
.toc-title{
  font-size:.78rem;font-weight:700;text-transform:uppercase;
  letter-spacing:.1em;color:var(--text-muted);margin-bottom:14px
}
.toc-list{list-style:none;padding:0;margin:0}
.toc-list li{margin-bottom:4px}
.toc-list a{
  font-size:.86rem;color:var(--text-muted);padding:5px 8px;border-radius:6px;
  display:block;transition:var(--transition)
}
.toc-list a:hover{color:var(--primary);background:rgba(15,52,96,.06)}
.toc-list a i{font-size:.65rem;color:var(--primary);opacity:.6}

.policy-content{line-height:1.7}
.policy-intro-box{
  background:rgba(15,52,96,.05);border-left:4px solid var(--primary);
  border-radius:0 10px 10px 0;padding:20px 24px;margin-bottom:36px;
  font-size:.97rem;color:var(--text-muted)
}
.policy-section{margin-bottom:40px;padding-bottom:36px;border-bottom:1px solid var(--border)}
.policy-section:last-child{border-bottom:0}
.policy-section h3{
  font-size:1.3rem;font-weight:800;color:var(--primary-dark);
  margin-bottom:16px;display:flex;align-items:center;gap:10px
}
.policy-num{
  display:inline-flex;width:32px;height:32px;flex-shrink:0;
  background:var(--primary);color:#fff;border-radius:8px;
  align-items:center;justify-content:center;font-size:.82rem;font-weight:700
}
.policy-section h5{font-size:1rem;font-weight:700;color:var(--primary-dark);margin:16px 0 8px}
.policy-section ul{color:var(--text-muted);font-size:.93rem;padding-left:1.4rem;margin-bottom:12px}
.policy-section ul li{margin-bottom:6px}
.policy-section p{font-size:.93rem;color:var(--text-muted)}
.policy-table{font-size:.88rem}
.policy-table thead th{background:rgba(15,52,96,.07);color:var(--primary-dark);font-weight:700;font-size:.82rem}
.policy-alert{
  background:rgba(233,69,96,.06);border:1px solid rgba(233,69,96,.2);
  border-left:4px solid var(--accent);border-radius:0 8px 8px 0;
  padding:16px 20px;font-size:.88rem;color:var(--text-muted);margin-top:16px
}
.policy-alert i{color:var(--accent);margin-right:8px}

.policy-use-card{
  background:#f8fafc;border:1px solid var(--border);border-radius:10px;
  padding:18px;display:flex;gap:14px;align-items:flex-start;height:100%
}
.policy-use-card i{font-size:1.4rem;color:var(--primary);flex-shrink:0;margin-top:2px}
.policy-use-card h6{font-weight:700;color:var(--primary-dark);margin-bottom:4px;font-size:.9rem}
.policy-use-card p{font-size:.83rem;color:var(--text-muted);margin:0}

.policy-contact-card{
  background:#f8fafc;border:1px solid var(--border);border-radius:10px;
  padding:22px;text-align:center
}
.policy-contact-card i{font-size:2rem;color:var(--primary);display:block;margin-bottom:10px}
.policy-contact-card h6{font-weight:700;color:var(--primary-dark);margin-bottom:8px}
.policy-contact-card p{font-size:.86rem;color:var(--text-muted);margin-bottom:6px}
.policy-contact-card a{color:var(--primary);font-size:.88rem;font-weight:600}

/* Terms-specific */
.terms-service-card{
  background:#f8fafc;border:1px solid var(--border);border-radius:10px;
  padding:14px 16px;display:flex;gap:12px;align-items:flex-start
}
.terms-service-card i{font-size:1.3rem;color:var(--primary);flex-shrink:0;margin-top:2px}
.terms-service-card h6{font-size:.88rem;font-weight:700;margin-bottom:2px}
.terms-service-card p{font-size:.82rem;color:var(--text-muted);margin:0}

/* ══════════════════════════════════════════
   DISCLAIMER PAGE
══════════════════════════════════════════ */
.disclaimer-hero-box{
  background:linear-gradient(135deg,rgba(233,69,96,.08) 0%,rgba(15,52,96,.06) 100%);
  border:1px solid rgba(233,69,96,.18);border-radius:var(--radius);
  padding:28px 32px;display:flex;gap:20px;align-items:flex-start;margin-bottom:36px
}
.disclaimer-hero-box i{font-size:2.5rem;color:var(--accent);flex-shrink:0;margin-top:4px}
.disclaimer-hero-box p{font-size:1rem;color:var(--text-muted);margin:0;line-height:1.7}

.disclaimer-section{
  display:flex;gap:24px;padding:28px 0;border-bottom:1px solid var(--border)
}
.disclaimer-section:last-of-type{border-bottom:0}
.disclaimer-section-icon{
  width:52px;height:52px;flex-shrink:0;
  background:rgba(15,52,96,.08);border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;color:var(--primary);margin-top:4px
}
.disclaimer-section-body h3{font-size:1.15rem;font-weight:800;color:var(--primary-dark);margin-bottom:10px}
.disclaimer-section-body p{font-size:.92rem;color:var(--text-muted);margin-bottom:10px}
.disclaimer-section-body ul{font-size:.9rem;color:var(--text-muted);padding-left:1.3rem}
.disclaimer-section-body ul li{margin-bottom:6px}
.disclaimer-final-note{
  background:rgba(15,52,96,.05);border:1px solid var(--border);
  border-radius:10px;padding:20px 24px;margin-top:32px;
  font-size:.88rem;color:var(--text-muted)
}

/* ══════════════════════════════════════════
   FAQ PAGE
══════════════════════════════════════════ */
.faq-search-section{padding:28px 0 0;background:#f8fafc;border-bottom:1px solid var(--border)}
.faq-search-box{
  display:flex;align-items:center;gap:16px;max-width:700px;margin:0 auto;
  background:#fff;border:2px solid var(--border);border-radius:50px;
  padding:10px 22px;transition:var(--transition)
}
.faq-search-box:focus-within{border-color:var(--primary);box-shadow:0 0 0 4px rgba(15,52,96,.08)}
.faq-search-box i{font-size:1.1rem;color:var(--text-muted)}
.faq-search-box input{
  border:none;outline:none;flex:1;font-size:1rem;color:var(--text);
  background:transparent
}

.faq-cats{display:flex;flex-direction:column;gap:6px}
.faq-cats-title{
  font-size:.76rem;font-weight:700;text-transform:uppercase;
  letter-spacing:.1em;color:var(--text-muted);margin-bottom:10px
}
.faq-cat-btn{
  display:flex;align-items:center;justify-content:space-between;
  background:none;border:1px solid var(--border);border-radius:10px;
  padding:11px 16px;font-size:.88rem;font-weight:500;color:var(--text);
  cursor:pointer;transition:var(--transition);text-align:left;width:100%
}
.faq-cat-btn:hover{border-color:var(--primary);color:var(--primary);background:rgba(15,52,96,.04)}
.faq-cat-btn.active{background:var(--primary);color:#fff;border-color:var(--primary)}
.faq-count{
  font-size:.76rem;font-weight:700;
  background:rgba(255,255,255,.25);padding:2px 7px;border-radius:20px
}
.faq-cat-btn:not(.active) .faq-count{background:rgba(15,52,96,.08);color:var(--primary)}

.faq-group-header{
  display:flex;align-items:center;justify-content:space-between;
  margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid var(--border)
}
.faq-group-header h4{font-size:1.15rem;font-weight:800;color:var(--primary-dark);margin:0}
.faq-group-count{font-size:.82rem;color:var(--text-muted)}

.faq-accordion .accordion-item.faq-item{
  border:1px solid var(--border);border-radius:10px!important;
  overflow:hidden;margin-bottom:10px
}
.faq-accordion .accordion-button{
  font-size:.93rem;font-weight:600;color:var(--primary-dark);
  background:#fff;padding:18px 22px
}
.faq-accordion .accordion-button:not(.collapsed){
  background:rgba(15,52,96,.04);color:var(--primary);box-shadow:none
}
.faq-accordion .accordion-button::after{color:var(--primary)}
.faq-q-icon{color:var(--primary);font-size:.85rem}
.faq-answer{
  font-size:.9rem;color:var(--text-muted);line-height:1.75;
  padding:4px 22px 18px 56px
}
.faq-answer a{color:var(--primary);font-weight:600}

.faq-no-result{text-align:center;padding:60px 20px;color:var(--text-muted)}
.faq-no-result i{font-size:3rem;opacity:.3;display:block;margin-bottom:16px}
.faq-no-result h5{font-size:1.1rem;margin-bottom:8px}

.faq-contact-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:28px 22px;text-align:center;transition:var(--transition);height:100%
}
.faq-contact-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.fcc-icon{
  width:58px;height:58px;background:rgba(15,52,96,.08);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;color:var(--primary);margin:0 auto 14px;transition:var(--transition)
}
.faq-contact-card:hover .fcc-icon{background:var(--primary);color:#fff}
.faq-contact-card h5{font-size:.95rem;font-weight:700;color:var(--primary-dark);margin-bottom:4px}
.faq-contact-card p{font-size:.83rem;color:var(--text-muted);margin-bottom:12px}

/* ══════════════════════════════════════════
   CAREERS PAGE
══════════════════════════════════════════ */
.careers-img-block{position:relative}
.careers-img-block img{border-radius:var(--radius)}
.careers-img-stat{
  position:absolute;bottom:-20px;left:-20px;
  background:var(--primary);color:#fff;
  padding:16px 22px;border-radius:12px;text-align:center;
  box-shadow:var(--shadow-lg)
}
.cs-number{font-size:2rem;font-weight:900;line-height:1}
.cs-label{font-size:.75rem;opacity:.8;text-transform:uppercase;letter-spacing:.05em}

.careers-highlights{display:flex;flex-direction:column;gap:10px;margin:20px 0}
.ch-item{display:flex;align-items:center;gap:10px;font-size:.92rem;font-weight:500}
.ch-item i{color:var(--primary)}

.benefit-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:28px;transition:var(--transition);height:100%
}
.benefit-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--primary)}
.benefit-icon{
  width:58px;height:58px;background:rgba(15,52,96,.08);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;color:var(--primary);margin-bottom:18px;transition:var(--transition)
}
.benefit-card:hover .benefit-icon{background:var(--primary);color:#fff}
.benefit-card h5{font-size:.97rem;font-weight:700;color:var(--primary-dark);margin-bottom:8px}
.benefit-card p{font-size:.86rem;color:var(--text-muted);margin:0}

/* Job filter bar */
.job-filter-bar{display:flex;flex-wrap:wrap;gap:8px}
.job-filter-btn{
  background:#fff;border:1px solid var(--border);border-radius:20px;
  padding:6px 16px;font-size:.84rem;font-weight:500;color:var(--text-muted);
  cursor:pointer;transition:var(--transition)
}
.job-filter-btn:hover{border-color:var(--primary);color:var(--primary)}
.job-filter-btn.active{background:var(--primary);color:#fff;border-color:var(--primary)}

.job-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:var(--transition);height:100%
}
.job-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.job-card-img{height:160px;position:relative;overflow:hidden}
.job-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.job-card:hover .job-card-img img{transform:scale(1.06)}
.job-card-img-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 30%,rgba(10,22,40,.55) 100%)
}
.job-badge{
  position:absolute;top:12px;right:12px;
  background:var(--primary);color:#fff;
  font-size:.72rem;font-weight:700;text-transform:uppercase;
  padding:4px 10px;border-radius:4px
}
.job-badge.urgent{background:var(--accent)}
.job-card-body{padding:22px}
.job-dept{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--primary);margin-bottom:6px}
.job-title{font-size:1rem;font-weight:700;color:var(--primary-dark);margin-bottom:12px}
.job-meta{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:16px}
.job-meta span{font-size:.8rem;color:var(--text-muted)}
.job-meta i{color:var(--primary);margin-right:4px}

/* ══════════════════════════════════════════
   BLOG PAGE
══════════════════════════════════════════ */
.featured-post-img{position:relative;border-radius:var(--radius);overflow:hidden}
.featured-post-img img{display:block;border-radius:var(--radius)}
.featured-post-badge{
  position:absolute;top:16px;left:16px;
  background:var(--gold);color:#fff;
  font-size:.75rem;font-weight:700;text-transform:uppercase;
  padding:5px 12px;border-radius:5px
}
.blog-cat-tag{
  display:inline-block;background:rgba(15,52,96,.08);color:var(--primary);
  font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;
  padding:4px 12px;border-radius:4px
}
.post-meta{font-size:.84rem;color:var(--text-muted);display:flex;gap:8px;margin-top:12px}
.post-meta span i{color:var(--primary)}

.blog-filter-bar{display:flex;flex-wrap:wrap;gap:8px}
.blog-filter-btn{
  background:#fff;border:1px solid var(--border);border-radius:20px;
  padding:5px 14px;font-size:.82rem;font-weight:500;color:var(--text-muted);
  cursor:pointer;transition:var(--transition)
}
.blog-filter-btn.active{background:var(--primary);color:#fff;border-color:var(--primary)}
.blog-filter-btn:hover:not(.active){border-color:var(--primary);color:var(--primary)}

.blog-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:var(--transition);height:100%
}
.blog-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.blog-card-img{height:190px;position:relative;overflow:hidden}
.blog-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.blog-card:hover .blog-card-img img{transform:scale(1.06)}
.blog-card-img-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 40%,rgba(10,22,40,.5) 100%)
}
.blog-card-cat{
  position:absolute;bottom:12px;left:14px;
  background:var(--primary);color:#fff;
  font-size:.72rem;font-weight:700;text-transform:uppercase;
  padding:3px 9px;border-radius:4px
}
.blog-card-body{padding:20px}
.blog-card-meta{font-size:.78rem;color:var(--text-muted);display:flex;gap:10px;margin-bottom:10px}
.blog-card-title{font-size:.97rem;font-weight:700;color:var(--primary-dark);margin-bottom:8px;line-height:1.4}
.blog-card-excerpt{font-size:.85rem;color:var(--text-muted);line-height:1.65;margin-bottom:12px}
.blog-read-more{font-size:.85rem;font-weight:700;color:var(--primary);display:inline-flex;align-items:center;gap:5px}
.blog-read-more:hover{color:var(--accent)}

/* Sidebar */
.blog-sidebar-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px}
.sidebar-title{font-size:.92rem;font-weight:800;color:var(--primary-dark);text-transform:uppercase;letter-spacing:.06em;margin-bottom:16px;padding-bottom:10px;border-bottom:2px solid var(--border)}
.sidebar-search{display:flex;gap:8px}
.sidebar-search input{flex:1;border-radius:8px}
.sidebar-search .btn{border-radius:8px;padding:8px 14px}
.sidebar-cat-item{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 0;border-bottom:1px solid var(--border);font-size:.88rem
}
.sidebar-cat-item:last-child{border:0}
.sidebar-cat-item span:first-child{color:var(--text);cursor:pointer;transition:var(--transition)}
.sidebar-cat-item span:first-child:hover{color:var(--primary)}
.sidebar-cat-count{
  background:rgba(15,52,96,.08);color:var(--primary);
  font-size:.75rem;font-weight:700;padding:2px 8px;border-radius:10px
}
.sidebar-post{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid var(--border);align-items:flex-start}
.sidebar-post:last-child{border:0;padding-bottom:0}
.sidebar-post img{width:60px;height:50px;object-fit:cover;border-radius:6px;flex-shrink:0}
.sidebar-post-title{font-size:.82rem;font-weight:600;color:var(--primary-dark);margin-bottom:4px;line-height:1.35}
.blog-newsletter{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);border-color:transparent;color:#fff}
.blog-newsletter .sidebar-title{color:rgba(255,255,255,.6);border-color:rgba(255,255,255,.15)}
.blog-newsletter h5{color:#fff;font-size:1rem;font-weight:700}
.blog-newsletter p{color:rgba(255,255,255,.65);font-size:.85rem}
.blog-newsletter .form-control{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.2);color:#fff}
.blog-newsletter .form-control::placeholder{color:rgba(255,255,255,.4)}

/* ══════════════════════════════════════════
   LOAN APPLY PAGE
══════════════════════════════════════════ */
.loan-type-select-section{
  background:#fff;padding:28px 0;
  border-bottom:1px solid var(--border)
}
.loan-type-card{
  background:#fff;border:2px solid var(--border);border-radius:var(--radius);
  overflow:hidden;cursor:pointer;transition:var(--transition);text-align:center
}
.loan-type-card:hover{border-color:var(--primary);box-shadow:var(--shadow);transform:translateY(-3px)}
.loan-type-card.active{border-color:var(--primary);box-shadow:0 0 0 3px rgba(15,52,96,.15)}
.ltc-img{height:70px;overflow:hidden}
.ltc-img img{width:100%;height:100%;object-fit:cover}
.ltc-body{padding:10px 8px}
.ltc-body i{display:block;font-size:1.2rem;color:var(--primary);margin-bottom:4px}
.ltc-name{display:block;font-size:.78rem;font-weight:700;color:var(--primary-dark);margin-bottom:2px;line-height:1.2}
.ltc-rate{display:block;font-size:.7rem;color:var(--text-muted)}
.loan-type-card.active .ltc-name,.loan-type-card.active i{color:var(--primary)}

.apply-hero-stats{
  background:rgba(255,255,255,.1);backdrop-filter:blur(10px);
  border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:20px 24px
}
.ahs-item{
  display:flex;align-items:center;gap:12px;color:#fff;
  font-size:.9rem;font-weight:600;padding:6px 0
}
.ahs-item:not(:last-child){border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:4px}

.apply-form-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:40px
}
.apply-form-header{margin-bottom:28px}
.apply-form-header h3{font-size:1.4rem;font-weight:800;color:var(--primary-dark);margin-bottom:6px}
.form-section-header{
  display:flex;align-items:center;gap:12px;
  font-size:1rem;font-weight:800;color:var(--primary-dark);
  margin-bottom:16px;margin-top:8px
}
.fs-step{
  width:30px;height:30px;background:var(--primary);color:#fff;
  border-radius:8px;display:flex;align-items:center;justify-content:center;
  font-size:.85rem;font-weight:800;flex-shrink:0
}
.apply-success{text-align:center;padding:40px 20px}
.success-icon{width:80px;height:80px;background:#d1fae5;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:2.5rem;color:#10b981;margin:0 auto 20px}
.apply-success h3{font-size:1.5rem;font-weight:800;color:var(--primary-dark);margin-bottom:10px}
.apply-success p{font-size:.95rem;color:var(--text-muted)}

.apply-info-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:24px
}
.apply-info-card h5{font-size:.95rem;font-weight:800;color:var(--primary-dark);margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.apply-benefits-list{list-style:none;padding:0;margin:0}
.apply-benefits-list li{
  display:flex;align-items:center;gap:10px;
  font-size:.88rem;color:var(--text-muted);padding:5px 0
}
.apply-benefits-list i{color:var(--primary);flex-shrink:0}
.apply-docs{font-size:.85rem;color:var(--text-muted)}
.doc-category{margin-bottom:12px}
.doc-category strong{display:block;color:var(--primary-dark);margin-bottom:4px}
.doc-category ul{margin:0;padding-left:1.2rem}
.doc-category ul li{margin-bottom:3px}
.apply-contact-info{
  background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);
  border-color:transparent;color:#fff
}
.apply-contact-info h5{color:#fff;border-bottom-color:rgba(255,255,255,.15)}
.apply-contact-info p{color:rgba(255,255,255,.65);font-size:.85rem;margin-bottom:16px}

/* Footer legal links */
.footer-legal-links a{font-size:.82rem;color:rgba(255,255,255,.4)}
.footer-legal-links a:hover{color:#fff}
.footer-legal-links span{color:rgba(255,255,255,.2)}

/* ══════════════════════════════════════════
   RESPONSIVE — extra pages
══════════════════════════════════════════ */
@media (max-width:991px){
  .careers-img-stat{left:0;bottom:-10px}
  .loan-type-select-section{padding:20px 0}
  .apply-form-card{padding:28px 20px}
}
@media (max-width:767px){
  .disclaimer-section{flex-direction:column;gap:14px}
  .disclaimer-section-icon{width:44px;height:44px;font-size:1.1rem}
  .blog-newsletter .newsletter-form{flex-direction:column}
  .faq-cats{flex-direction:row;flex-wrap:wrap;gap:6px}
  .faq-cat-btn{width:auto;padding:7px 12px;font-size:.8rem}
  .faq-count{display:none}
  .policy-section h3{font-size:1.1rem}
}

/* ══════════════════════════════════════════
   PARTNER TICKER (Auto-scroll, Home)
══════════════════════════════════════════ */
.partner-ticker-wrapper{
  overflow:hidden;
  position:relative;
  padding:10px 0 4px;
}
/* Fade masks on left & right edges */
.partner-ticker-wrapper::before,
.partner-ticker-wrapper::after{
  content:'';position:absolute;top:0;bottom:0;width:120px;z-index:2;pointer-events:none;
}
.partner-ticker-wrapper::before{left:0;background:linear-gradient(to right,#fff 0%,transparent 100%)}
.partner-ticker-wrapper::after{right:0;background:linear-gradient(to left,#fff 0%,transparent 100%)}
.partner-ticker{
  display:flex;align-items:center;gap:0;
  animation:partnerScroll 40s linear infinite;
  width:max-content;
}
.partner-ticker:hover{animation-play-state:paused}
@keyframes partnerScroll{
  0%{transform:translateX(0)}
  100%{transform:translateX(-50%)}
}
.partner-ticker-item{flex-shrink:0;padding:0 8px}
.partner-card{text-align:center;padding:10px 6px;width:158px}
.partner-logo{
  display:flex;align-items:center;justify-content:center;
  height:82px;border-radius:14px;padding:10px 14px;
  margin-bottom:8px;transition:var(--transition);
  background:#f8faff;
}
.partner-logo-img{display:block;width:auto;height:auto;max-width:100%;max-height:62px;object-fit:contain}
.partner-logo-fallback{font-size:1.05rem!important;line-height:1.1;text-align:center}
.partner-card:hover .partner-logo{transform:translateY(-4px);box-shadow:0 8px 24px rgba(0,0,0,.12)}
.partner-name{font-size:.75rem;color:var(--text-muted);margin:0;line-height:1.3;font-weight:500}

@media(max-width:767px){
  .partner-ticker-wrapper::before,.partner-ticker-wrapper::after{width:28px}
}
@media(max-width:480px){
  .partner-card{width:142px}
  .partner-logo{height:76px;padding:9px 12px}
  .partner-logo-img{max-height:56px}
  .partner-ticker-wrapper::before,.partner-ticker-wrapper::after{width:20px}
}

/* ══════════════════════════════════════════
   HOME EMI SECTION
══════════════════════════════════════════ */
.emi-home-checklist{list-style:none;padding:0;margin:16px 0 0}
.emi-home-checklist li{color:rgba(255,255,255,.75);font-size:.9rem;padding:5px 0;display:flex;align-items:center;gap:10px}
.emi-home-checklist i{color:var(--gold);flex-shrink:0}
.emi-quick-card{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
  border-radius:12px;padding:18px;height:100%
}
.emi-quick-card label{color:rgba(255,255,255,.7);font-size:.82rem;font-weight:600;display:block;margin-bottom:8px}
.emi-quick-card .form-range{filter:brightness(1.3)}
.emi-quick-val{color:#fff;font-size:1.1rem;font-weight:700;margin-top:6px;text-align:right}
.emi-result-mini{
  background:linear-gradient(135deg,var(--gold),#c8902a);
  border-radius:12px;padding:22px;text-align:center;height:100%;
  display:flex;flex-direction:column;justify-content:center
}
.erm-label{color:rgba(255,255,255,.8);font-size:.82rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}
.erm-value{color:#fff;font-size:2rem;font-weight:900;line-height:1;margin-bottom:8px}
.erm-sub{color:rgba(255,255,255,.75);font-size:.8rem;margin-bottom:12px}
.erm-sub strong{color:#fff}

/* ══════════════════════════════════════════
   TIMELINE (About)
══════════════════════════════════════════ */
.timeline{position:relative;padding:20px 0}
.timeline::before{
  content:'';position:absolute;left:50%;top:0;bottom:0;width:2px;
  background:linear-gradient(180deg,var(--primary) 0%,var(--gold) 100%);
  transform:translateX(-50%)
}
.timeline-item{
  display:flex;width:50%;margin-bottom:36px;
  position:relative
}
.timeline-item.timeline-left{
  flex-direction:row;padding-right:48px;align-self:flex-start
}
.timeline-item.timeline-right{
  flex-direction:row-reverse;padding-left:48px;
  margin-left:50%;align-self:flex-start
}
.timeline-content{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:22px;box-shadow:var(--shadow);flex:1;transition:var(--transition)
}
.timeline-content:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.timeline-icon{
  width:40px;height:40px;background:rgba(15,52,96,.08);border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;color:var(--primary);margin-bottom:10px
}
.timeline-year{
  font-size:.78rem;font-weight:700;color:var(--primary);
  text-transform:uppercase;letter-spacing:.1em;margin-bottom:4px
}
.timeline-content h5{font-size:.97rem;font-weight:800;color:var(--primary-dark);margin-bottom:6px}
.timeline-content p{font-size:.86rem;color:var(--text-muted);margin:0;line-height:1.6}
.timeline-connector{
  display:flex;align-items:center;
  position:absolute;
}
.timeline-item.timeline-left .timeline-connector{right:-14px;top:24px}
.timeline-item.timeline-right .timeline-connector{left:-14px;top:24px}
.timeline-dot{
  width:24px;height:24px;background:var(--primary);border-radius:50%;
  border:4px solid #fff;box-shadow:0 0 0 3px var(--primary);display:block
}
@media (max-width:767px){
  .timeline::before{left:20px}
  .timeline-item,.timeline-item.timeline-right{
    width:100%;margin-left:0;padding-left:52px;padding-right:0;flex-direction:row
  }
  .timeline-item.timeline-left .timeline-connector,
  .timeline-item.timeline-right .timeline-connector{left:-32px;right:auto}
}

/* ══════════════════════════════════════════
   AWARDS (About)
══════════════════════════════════════════ */
.award-card{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius);padding:28px 22px;text-align:center;
  transition:var(--transition)
}
.award-card:hover{background:rgba(255,255,255,.1);transform:translateY(-4px)}
.award-icon{
  width:60px;height:60px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;margin:0 auto 14px;transition:var(--transition)
}
.award-year{
  font-size:.72rem;font-weight:700;color:rgba(255,255,255,.5);
  text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px
}
.award-card h5{color:#fff;font-size:.95rem;font-weight:800;margin-bottom:4px}
.award-card p{color:rgba(255,255,255,.55);font-size:.82rem;margin:0}

/* ══════════════════════════════════════════
   INTEREST RATE TABLE (Services)
══════════════════════════════════════════ */
.rate-table thead th{
  background:rgba(15,52,96,.06);color:var(--primary-dark);
  font-weight:700;font-size:.8rem;text-transform:uppercase;
  letter-spacing:.06em;padding:14px 12px;white-space:nowrap
}
.rate-row td{padding:14px 12px;vertical-align:middle;border-bottom:1px solid var(--border)}
.rate-row:hover td{background:rgba(15,52,96,.03)}
.rate-product-name{display:flex;align-items:center;gap:12px}
.rate-icon{
  width:36px;height:36px;flex-shrink:0;border-radius:8px;
  display:flex;align-items:center;justify-content:center;font-size:.9rem
}
.rate-badge{
  background:rgba(15,52,96,.08);color:var(--primary-dark);
  font-size:.82rem;font-weight:700;padding:5px 12px;border-radius:20px;
  white-space:nowrap
}
.rate-disclaimer{
  background:rgba(15,52,96,.05);border-left:4px solid var(--primary);
  border-radius:0 8px 8px 0;padding:14px 18px;
  font-size:.84rem;color:var(--text-muted)
}

/* ══════════════════════════════════════════
   DOCUMENTS CARDS (Services)
══════════════════════════════════════════ */
.docs-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;height:100%;transition:var(--transition)
}
.docs-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.docs-card-header{
  padding:18px 20px;color:#fff;display:flex;align-items:center;gap:12px
}
.docs-icon{
  width:42px;height:42px;background:rgba(255,255,255,.2);border-radius:10px;
  display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0
}
.docs-card-header h5{font-size:.9rem;font-weight:700;margin:0;color:#fff}
.docs-list{list-style:none;padding:16px 20px;margin:0;display:flex;flex-direction:column;gap:8px}
.docs-list li{display:flex;align-items:flex-start;gap:10px;font-size:.86rem;color:var(--text-muted);line-height:1.5}
.docs-list i{flex-shrink:0;margin-top:2px;font-size:.85rem}

/* ══════════════════════════════════════════
   ECONOMIC INDICATORS (Market)
══════════════════════════════════════════ */
.indicator-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:22px;text-align:center;height:100%;transition:var(--transition)
}
.indicator-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.indicator-icon{
  width:52px;height:52px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;margin:0 auto 12px
}
.indicator-label{font-size:.75rem;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px}
.indicator-value{font-size:1.5rem;font-weight:900;line-height:1;margin-bottom:4px}
.indicator-period{font-size:.72rem;color:var(--text-muted);margin-bottom:6px}
.indicator-note{font-size:.76rem;color:var(--text-muted);line-height:1.4;margin-bottom:10px;min-height:32px}
.indicator-trend{font-size:.78rem;font-weight:600}

/* ══════════════════════════════════════════
   SECTOR SNAPSHOT TABLE (Market)
══════════════════════════════════════════ */
.sector-table thead th{
  background:rgba(15,52,96,.06);color:var(--primary-dark);
  font-weight:700;font-size:.8rem;text-transform:uppercase;
  letter-spacing:.06em;padding:14px 16px
}
.sector-table tbody td{padding:14px 16px;vertical-align:middle;border-bottom:1px solid var(--border)}
.sector-table tbody tr:hover td{background:rgba(15,52,96,.03)}
.sector-name{display:flex;align-items:center;gap:10px;font-size:.9rem}
.sector-name i{color:var(--primary);font-size:.9rem;width:18px}

/* ══════════════════════════════════════════
   BRANCH CARDS (Contact)
══════════════════════════════════════════ */
.branch-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;height:100%;transition:var(--transition)
}
.branch-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.branch-img{height:180px;position:relative;overflow:hidden}
.branch-img img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.branch-card:hover .branch-img img{transform:scale(1.06)}
.branch-img-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 30%,rgba(10,22,40,.6) 100%)
}
.branch-hq-badge{
  position:absolute;top:12px;left:12px;
  background:var(--gold);color:#fff;
  font-size:.72rem;font-weight:700;text-transform:uppercase;
  padding:4px 10px;border-radius:4px
}
.branch-city-label{
  position:absolute;bottom:14px;left:14px;
  color:#fff;font-size:1.1rem;font-weight:800;text-shadow:0 1px 4px rgba(0,0,0,.4)
}
.branch-body{padding:18px}
.branch-address{font-size:.83rem;color:var(--text-muted);margin-bottom:12px;display:flex;gap:8px;align-items:flex-start;line-height:1.5}
.branch-address i{color:var(--primary);flex-shrink:0;margin-top:2px}
.branch-contacts{display:flex;flex-direction:column;gap:6px;margin-bottom:10px}
.branch-contact-link{font-size:.83rem;color:var(--primary);font-weight:500;display:flex;align-items:center;gap:8px;transition:var(--transition)}
.branch-contact-link:hover{color:var(--accent)}
.branch-contact-link i{width:14px;flex-shrink:0}
.branch-hours{font-size:.78rem;color:var(--text-muted);display:flex;align-items:center;gap:6px;border-top:1px solid var(--border);padding-top:10px;margin-top:6px}
.branch-hours i{color:var(--primary)}
.branch-map-embed{
  position:relative;overflow:hidden;
  border-radius:var(--radius) var(--radius) 0 0
}
.branch-map-embed iframe{
  display:block;width:100%;height:210px;border:0;
  filter:grayscale(15%) contrast(1.05)
}
.branch-map-embed .branch-hq-badge{
  position:absolute;top:12px;left:12px;z-index:2
}
.branch-directions-btn{
  display:inline-flex;align-items:center;gap:6px;
  margin-top:12px;padding:8px 18px;border-radius:7px;
  font-size:.82rem;font-weight:700;text-decoration:none;
  background:var(--primary);color:#fff;
  transition:var(--transition);border:none
}
.branch-directions-btn:hover{
  background:var(--accent);color:#fff;
  transform:translateY(-2px);box-shadow:0 4px 14px rgba(15,52,96,.25)
}


/* ══════════════════════════════════════════
   INSURANCE CATEGORY CARDS (Contact)
══════════════════════════════════════════ */
.ins-cat-section{background:#f8fafc}
.ins-cat-card{
  background:#fff;border-radius:16px;padding:28px 24px 22px;
  border:1px solid var(--border);height:100%;
  display:flex;flex-direction:column;
  transition:var(--transition);position:relative;overflow:hidden
}
.ins-cat-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:4px;
  border-radius:16px 16px 0 0;transition:height .3s ease
}
.ins-cat-card:hover{box-shadow:0 12px 40px rgba(0,0,0,.10);transform:translateY(-6px)}
.ins-cat-card:hover::before{height:6px}

/* Color themes */
.ins-cat-health::before{background:linear-gradient(90deg,#ef4444,#f97316)}
.ins-cat-health .ins-cat-icon{background:rgba(239,68,68,.1);color:#ef4444}
.ins-cat-health .ins-cat-list i{color:#ef4444}
.ins-cat-health .ins-cat-link{color:#ef4444}
.ins-cat-health .ins-cat-link:hover{color:#dc2626}

.ins-cat-general::before{background:linear-gradient(90deg,#0f3460,#1a6eb5)}
.ins-cat-general .ins-cat-icon{background:rgba(15,52,96,.1);color:#0f3460}
.ins-cat-general .ins-cat-list i{color:#0f3460}
.ins-cat-general .ins-cat-link{color:#0f3460}
.ins-cat-general .ins-cat-link:hover{color:#1a6eb5}

.ins-cat-liability::before{background:linear-gradient(90deg,#7c3aed,#a855f7)}
.ins-cat-liability .ins-cat-icon{background:rgba(124,58,237,.1);color:#7c3aed}
.ins-cat-liability .ins-cat-list i{color:#7c3aed}
.ins-cat-liability .ins-cat-link{color:#7c3aed}
.ins-cat-liability .ins-cat-link:hover{color:#6d28d9}

.ins-cat-misc::before{background:linear-gradient(90deg,#d97706,#f59e0b)}
.ins-cat-misc .ins-cat-icon{background:rgba(217,119,6,.1);color:#d97706}
.ins-cat-misc .ins-cat-list i{color:#d97706}
.ins-cat-misc .ins-cat-link{color:#d97706}
.ins-cat-misc .ins-cat-link:hover{color:#b45309}

.ins-cat-icon{
  width:56px;height:56px;border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;margin-bottom:16px;flex-shrink:0
}
.ins-cat-card h5{
  font-size:1rem;font-weight:800;color:var(--primary-dark);
  margin-bottom:10px;line-height:1.3
}
.ins-cat-card > p{
  font-size:.85rem;color:var(--text-muted);line-height:1.65;
  margin-bottom:16px;flex-grow:1
}
.ins-cat-list{
  list-style:none;padding:0;margin:0 0 20px;
  display:flex;flex-direction:column;gap:7px
}
.ins-cat-list li{
  display:flex;align-items:center;gap:8px;
  font-size:.82rem;color:var(--text-dark);font-weight:500
}
.ins-cat-list i{font-size:.75rem;flex-shrink:0}
.ins-cat-link{
  background:none;border:none;padding:0;cursor:pointer;outline:none;
  font-family:inherit;text-align:left;
  font-size:.84rem;font-weight:700;text-decoration:none;
  display:inline-flex;align-items:center;gap:4px;
  transition:var(--transition);margin-top:auto
}
.ins-cat-link:hover{text-decoration:underline}

@media(max-width:767px){
  .ins-cat-card{padding:24px 20px 18px}
}


/* ══════════════════════════════════════════
   INSURANCE POPUP MODALS (Contact)
══════════════════════════════════════════ */
.ins-modal-overlay{
  position:fixed;inset:0;z-index:9999;
  background:rgba(10,20,40,.6);backdrop-filter:blur(6px);
  display:flex;align-items:center;justify-content:center;
  padding:20px;
  opacity:0;visibility:hidden;
  transition:opacity .3s ease,visibility .3s ease
}
.ins-modal-overlay.active{opacity:1;visibility:visible}
.ins-modal-overlay.active .ins-modal-box{transform:translateY(0);opacity:1}

.ins-modal-box{
  background:#fff;border-radius:20px;
  width:100%;max-width:860px;
  max-height:90vh;display:flex;flex-direction:column;
  box-shadow:0 30px 80px rgba(0,0,0,.25);
  transform:translateY(28px);opacity:0;
  transition:transform .35s cubic-bezier(.34,1.56,.64,1),opacity .3s ease;
  overflow:hidden
}

/* Modal Header */
.ins-modal-header{
  display:flex;align-items:flex-start;gap:16px;
  padding:28px 32px 24px;color:#fff;flex-shrink:0;position:relative
}
.ins-modal-header h3{font-size:1.3rem;font-weight:800;margin:0 0 4px;color:#fff}
.ins-modal-header p{font-size:.85rem;opacity:.88;margin:0;line-height:1.5;color:rgba(255,255,255,.9)}
.ins-modal-header-icon{
  width:52px;height:52px;flex-shrink:0;border-radius:14px;
  background:rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;color:#fff
}
.ins-modal-header > div:nth-child(2){flex:1;min-width:0}

/* Header colour themes */
.ins-mh-health{background:linear-gradient(135deg,#dc2626 0%,#f97316 100%)}
.ins-mh-general{background:linear-gradient(135deg,#0f3460 0%,#1a6eb5 100%)}
.ins-mh-liability{background:linear-gradient(135deg,#5b21b6 0%,#7c3aed 100%)}
.ins-mh-misc{background:linear-gradient(135deg,#b45309 0%,#d97706 100%)}

/* Close Button */
.ins-modal-close{
  position:absolute;top:16px;right:16px;
  background:rgba(255,255,255,.2);border:none;
  width:34px;height:34px;border-radius:50%;
  color:#fff;font-size:.9rem;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  transition:background .2s ease;flex-shrink:0
}
.ins-modal-close:hover{background:rgba(255,255,255,.38)}

/* Modal Body */
.ins-modal-body{
  overflow-y:auto;flex:1;padding:28px 32px;
  scrollbar-width:thin;scrollbar-color:rgba(0,0,0,.15) transparent
}
.ins-modal-body::-webkit-scrollbar{width:5px}
.ins-modal-body::-webkit-scrollbar-track{background:transparent}
.ins-modal-body::-webkit-scrollbar-thumb{background:rgba(0,0,0,.18);border-radius:4px}

/* Plan Grid */
.ins-modal-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:16px
}

/* Individual Plan Card */
.ins-modal-plan{
  background:#f8fafc;border:1px solid #e8edf4;
  border-radius:14px;padding:20px;
  transition:box-shadow .25s ease,transform .25s ease
}
.ins-modal-plan:hover{
  box-shadow:0 6px 24px rgba(0,0,0,.09);transform:translateY(-2px);
  background:#fff
}

/* Plan head (icon + title row) */
.ins-mp-head{
  display:flex;align-items:center;gap:10px;
  margin-bottom:10px
}
.ins-mp-head i{
  width:34px;height:34px;border-radius:10px;
  background:linear-gradient(135deg,var(--primary) 0%,var(--accent,#1a6eb5) 100%);
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-size:.85rem;flex-shrink:0
}
.ins-mp-head span{font-size:.9rem;font-weight:700;color:var(--primary-dark);line-height:1.3}

.ins-modal-plan > p{
  font-size:.8rem;color:var(--text-muted);line-height:1.6;margin-bottom:12px
}
.ins-modal-plan ul{
  list-style:none;padding:0;margin:0;
  display:flex;flex-direction:column;gap:6px
}
.ins-modal-plan ul li{
  display:flex;align-items:center;gap:8px;
  font-size:.78rem;color:var(--text-dark);font-weight:500
}
.ins-modal-plan ul li i{
  font-size:.7rem;color:#22c55e;flex-shrink:0;width:auto;height:auto;
  background:none;border-radius:0;
}

/* Modal Footer */
.ins-modal-footer{
  display:flex;align-items:center;justify-content:flex-end;gap:12px;
  padding:18px 32px;border-top:1px solid #e8edf4;flex-shrink:0;
  background:#fafbfc
}
.ins-modal-services-btn{
  display:inline-flex;align-items:center;gap:6px;
  padding:10px 22px;border-radius:8px;font-size:.86rem;font-weight:600;
  text-decoration:none;transition:all .2s ease;
  background:#fff;border:1.5px solid var(--primary);color:var(--primary)
}
.ins-modal-services-btn:hover{background:var(--primary);color:#fff}
.ins-modal-quote-btn{
  display:inline-flex;align-items:center;gap:6px;
  padding:10px 22px;border-radius:8px;font-size:.86rem;font-weight:700;
  text-decoration:none;transition:all .2s ease;
  background:linear-gradient(135deg,var(--primary) 0%,var(--accent,#1a6eb5) 100%);
  color:#fff;border:none;box-shadow:0 4px 14px rgba(15,52,96,.25)
}
.ins-modal-quote-btn:hover{opacity:.9;transform:translateY(-1px);box-shadow:0 6px 20px rgba(15,52,96,.35);color:#fff}

/* Responsive */
@media(max-width:640px){
  .ins-modal-header{padding:20px 20px 18px}
  .ins-modal-body{padding:18px 16px}
  .ins-modal-grid{grid-template-columns:1fr}
  .ins-modal-footer{flex-direction:column;gap:10px;padding:14px 16px}
  .ins-modal-services-btn,.ins-modal-quote-btn{width:100%;justify-content:center}
  .ins-modal-header h3{font-size:1.1rem}
}
@media(max-width:480px){
  .ins-modal-box{border-radius:14px}
  .ins-modal-close{top:12px;right:12px}
}