/* ══════════════════════════════════════════
   Gold EMI Page — emi.css
══════════════════════════════════════════ */

body, .page-shell {
  overflow-x: hidden;
}

/* ── Navbar dark override (same as coins) ── */
.navbar--dark .nav-links a,
.navbar--dark .nav-item a {
  color: #000;
}
.navbar--dark .nav-item.active a {
  color: #106639;
  font-weight: 600;
}
.navbar--dark .nav-underline {
  background: #106639;
}
.navbar--dark .nav-toggle span {
  background: #000;
}

/* ══════════════════════════════════════════
   Hero Section
══════════════════════════════════════════ */
.emi-hero {
  background: #ffffff;
  padding: 56px 126px 48px;
  display: flex;
  flex-direction: column;
  gap: 40px;
  overflow: hidden;
}

.emi-hero-inner {
  display: flex;
  align-items: center;
  gap: 58px;
  min-width: 0;
}

/* ── Left ── */
.emi-hero-left {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.emi-hero-text {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* Badge pill */
.emi-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid #106639;
  border-radius: 9999px;
  padding: 6px 16px;
  width: fit-content;
}

.emi-badge-icon {
  width: 18px;
  height: 22px;
  object-fit: contain;
  flex-shrink: 0;
}

.emi-badge span {
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: #106639;
  white-space: nowrap;
}

/* Headline */
.emi-hero-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 56px;
  line-height: 1.15;
  color: #000;
  margin: 0;
}

.emi-gradient {
  background: linear-gradient(to right, #054825, #20cd71 87%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Subtext */
.emi-hero-sub {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 20px;
  line-height: 1.6;
  color: #000;
  margin: 0;
}

/* CTA buttons */
.emi-hero-ctas {
  display: flex;
  align-items: center;
  gap: 16px;
}

.emi-btn-whatsapp {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #106739;
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 18px;
  text-decoration: none;
  border-radius: 16px;
  padding: 0 32px;
  height: 64px;
  white-space: nowrap;
  box-shadow:
    0px 20px 25px 0px rgba(13, 73, 67, 0.3),
    0px 8px 10px 0px rgba(13, 73, 67, 0.3);
  transition: background 0.2s;
}

.emi-btn-whatsapp:hover { background: #0d5530; }

.emi-btn-icon {
  width: 29px;
  height: 30px;
  object-fit: contain;
  flex-shrink: 0;
}

.emi-btn-outline {
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 0 49px;
  height: 64px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 18px;
  color: #0d4943;
  text-decoration: none;
  white-space: nowrap;
  transition: border-color 0.2s, color 0.2s;
}

.emi-btn-outline:hover {
  border-color: #106639;
  color: #106639;
}

/* ── Right visual ── */
.emi-hero-visual {
  position: relative;
  flex-shrink: 0;
  width: min(627px, 50%);
  height: 554px;
}

/* Two colored blocks at top */
.emi-visual-blocks {
  position: absolute;
  top: 4%;
  left: 0;
  width: 100%;
  height: 31%;
  display: flex;
  gap: 11px;
  z-index: 0;
}

.emi-block {
  flex: 1;
  border-radius: 22px;
}
.emi-block--yellow { background: #ffce1b; }
.emi-block--green  { background: #26b96b; }

/* Cream background */
.emi-visual-bg {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 63%;
  background: #fff8dd;
  border-radius: 27px;
  z-index: 0;
}

/* Hero photo */
.emi-hero-photo-wrap {
  position: absolute;
  top: 0;
  left: 10%;
  width: 82%;
  height: 100%;
  border-radius: 27px;
  overflow: hidden;
  z-index: 1;
}

.emi-hero-photo-wrap img {
  width: 100%;
  height: auto;
  display: block;
}

/* ══════════════════════════════════════════
   Trust Bar
══════════════════════════════════════════ */
.emi-trust-bar {
  background: #fff7df;
  border: 1px solid #f5d878;
  border-radius: 16px;
  padding: 10px 20px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 18px;
  flex-wrap: nowrap;
  overflow-x: auto;
  overflow-y: hidden;
  scrollbar-width: none;
}

.emi-trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
  font-size: 20px;
  line-height: 1;
  white-space: nowrap;
  color: #000;
  flex: 0 0 auto;
}

.emi-trust-item img {
  width: 20px;
  height: 20px;
  object-fit: contain;
  flex-shrink: 0;
}

.emi-trust-bar::-webkit-scrollbar { display: none; }

.emi-trust-icon-fix {
  transform: rotate(180deg);
}

/* ══════════════════════════════════════════
   Calculator Section
══════════════════════════════════════════ */
.calc-section {
  background: #f0f4f1;
  padding: 96px 126px;
}

.calc-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 64px;
}

/* Heading */
.calc-heading {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
}

.calc-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #063b1f;
}

.calc-subtitle {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 24px;
  color: #64748b;
  max-width: 672px;
}

/* Rows wrapper */
.calc-rows {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

/* Shared card */
.calc-card {
  background: #fff;
  border-radius: 16px;
  padding: 40px;
}

/* Top row */
.calc-top-row {
  display: flex;
  gap: 10px;
}

.calc-card--inputs {
  flex: 0 0 586px;
  display: flex;
  flex-direction: column;
  gap: 34px;
}

.calc-card--summary {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 34px;
  min-height: 350px;
}

/* Field */
.calc-field {
  display: flex;
  flex-direction: column;
  gap: 19px;
}

.calc-label {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 24px;
  color: #000;
  line-height: normal;
}

/* Slider */
.calc-slider-wrap {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.calc-slider-track {
  position: relative;
  height: 6px;
  background: #e5e7eb;
  border-radius: 9999px;
  margin-top: 16px;
}

.calc-slider-fill {
  position: absolute;
  left: 0;
  top: 0;
  height: 100%;
  background: #063b1f;
  border-radius: 9999px;
  pointer-events: none;
  width: 11%; /* updated by JS */
}

.calc-slider {
  position: absolute;
  top: 50%;
  left: 0;
  width: 100%;
  transform: translateY(-50%);
  -webkit-appearance: none;
  appearance: none;
  background: transparent;
  cursor: pointer;
  margin: 0;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #063b1f;
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px #063b1f;
  cursor: pointer;
}

.calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #063b1f;
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px #063b1f;
  cursor: pointer;
}

.calc-slider-labels {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  color: #797979;
  margin-top: 8px;
}

.calc-slider-value {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 24px;
  color: #063b1f;
}

/* Duration buttons */
.calc-duration-row {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.calc-dur-btn {
  border: 1px solid #8a8a8a;
  border-radius: 6px;
  padding: 10px 20px;
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  color: #8a8a8a;
  background: #fff;
  cursor: pointer;
  transition: border-color 0.2s, color 0.2s, font-weight 0.2s;
}

.calc-dur-btn--active {
  border-color: #136839;
  color: #136839;
  font-weight: 600;
}

/* Summary card */
.calc-card-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 24px;
  color: #000;
}

.calc-summary-rows {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.calc-summary-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.calc-summary-label {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  color: #6a6a6a;
}

.calc-summary-value {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 24px;
  color: #000;
}

.calc-summary-value--green { color: #1faf38; }

.calc-divider {
  border: none;
  border-top: 1px solid #e5e7eb;
  margin: 4px 0;
}

/* Bottom card */
.calc-card--bottom {
  display: flex;
  gap: 34px;
  flex-wrap: wrap;
}

.calc-form-col,
.calc-protect-col {
  flex: 1;
  min-width: 280px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.calc-form-heading {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.calc-form-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 24px;
  color: #000;
}

.calc-form-sub {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  color: #737373;
}

.calc-form-fields {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.calc-input-row {
  display: flex;
  gap: 10px;
}

.calc-input {
  display: block;
  width: 100%;
  min-width: 0;
  height: 48px;
  padding: 0 14px;
  border: 1px solid #a3a3a3;
  border-radius: 8px;
  background: #fdfdfd;
  font-family: 'Poppins', sans-serif;
  font-size: 18px;
  color: #000;
  outline: none;
  transition: border-color 0.2s;
  box-sizing: border-box;
}

.calc-input-row .calc-input {
  flex: 1;
  width: 0; /* let flex-grow handle width */
}

.calc-input::placeholder { color: rgba(0,0,0,0.29); }
.calc-input:focus { border-color: #136839; }

.calc-form-btns {
  display: flex;
  gap: 10px;
}

.calc-btn-submit,
.calc-btn-enquire {
  flex: 1;
  height: 55px;
  border-radius: 16px;
  font-family: 'Poppins', sans-serif;
  font-size: 18px;
  cursor: pointer;
  transition: opacity 0.2s;
}

.calc-btn-submit {
  background: #ffce1b;
  border: 1px solid #a3a3a3;
  color: #000;
  font-weight: 600;
}

.calc-btn-enquire {
  background: #fff;
  border: 1px solid #a3a3a3;
  color: #000;
  font-weight: 400;
}

.calc-btn-submit:hover,
.calc-btn-enquire:hover { opacity: 0.85; }

/* Protection benefit */
.calc-protect-col {
  gap: 14px;
}

.calc-protect-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 24px;
  color: #000;
}

.calc-protect-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 20px;
  color: #6c6c6c;
  line-height: 1.6;
}

.calc-protect-desc strong {
  font-weight: 600;
  color: #6c6c6c;
}

.calc-savings-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 5px 14px;
  background: #fffbef;
  border: 1px solid #ffce1b;
  border-radius: 6px;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  color: #000;
  width: fit-content;
}

/* Responsive */
@media (max-width: 1100px) {
  .calc-section { padding: 96px 60px; }
  .calc-card--inputs { flex: 1; }
}

@media (max-width: 800px) {
  .calc-section { padding: 64px 24px; }
  .calc-top-row { flex-direction: column; }
  .calc-card--summary { min-height: unset; }
  .calc-card--bottom { flex-direction: column; }
}

/* ══════════════════════════════════════════
   Steps Section
══════════════════════════════════════════ */
.steps-section {
  background: #ffffff;
  padding: 96px 126px;
}

.steps-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 64px;
}

.steps-heading {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
}

.steps-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #063b1f;
}

.steps-subtitle {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 24px;
  color: #64748b;
  max-width: 672px;
}

.steps-grid {
  display: flex;
  gap: 32px;
  justify-content: center;
  flex-wrap: wrap;
}

.step-card {
  background: #f0f4f1;
  border: 1px solid #f1f5f9;
  border-radius: 16px;
  padding: 33px;
  width: 276px;
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.step-number {
  width: 56px;
  height: 56px;
  background: #063b1f;
  border-radius: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 20px;
  color: #fff;
  flex-shrink: 0;
}

.step-body {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.step-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 20px;
  line-height: 28px;
  color: #0f172a;
}

.step-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 14px;
  line-height: 1.625;
  color: #64748b;
}

@media (max-width: 1100px) {
  .steps-section { padding: 96px 60px; }
  .step-card { width: calc(50% - 16px); }
}

@media (max-width: 600px) {
  .steps-section { padding: 64px 24px; }
  .step-card { width: 100%; }
}

/* ══════════════════════════════════════════
   Why Lock Today Section
══════════════════════════════════════════ */
.lock-section {
  background: #ffffff;
  padding: 96px 126px;
}

.lock-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 64px;
}

/* Left */
.lock-left {
  flex: 0 0 568px;
  display: flex;
  flex-direction: column;
  gap: 26px;
}

.lock-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.35;
  color: #063b1f;
}

.lock-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 1.62;
  color: #64748b;
}

.lock-benefits {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.lock-benefit {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Poppins', sans-serif;
  font-weight: 500;
  font-size: 16px;
  line-height: 1.62;
  color: #30343a;
}

.lock-coin {
  width: 27px;
  height: 28px;
  object-fit: contain;
  flex-shrink: 0;
}

/* Right: chart */
.lock-right {
  flex: 1;
  min-width: 0;
}

.lock-chart {
  background: #f0f4f1;
  border-radius: 12px;
  height: 365px;
  overflow: hidden;
}

.lock-chart-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}

@media (max-width: 1100px) {
  .lock-section { padding: 96px 60px; }
  .lock-left { flex: 1; }
  .lock-container { gap: 40px; }
}

@media (max-width: 800px) {
  .lock-section { padding: 64px 24px; }
  .lock-container { flex-direction: column; }
  .lock-left { flex: unset; width: 100%; }
  .lock-chart { height: 300px; }
}

/* ══════════════════════════════════════════
   Trust & Security Section
══════════════════════════════════════════ */
.trust-section {
  position: relative;
  padding: 140px 126px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 112px;
  overflow: hidden;
  background: radial-gradient(ellipse at center, #ffc900 0%, #ffcd0b 6%, #ffd216 13%, #ffd82c 25%, #ffe357 50%, #ffee83 75%, #fff8af 100%);
}

.trust-container {
  width: 100%;
  max-width: 1200px;
  display: flex;
  flex-direction: column;
  gap: 112px;
}

/* Floating coins */
.trust-float-coin {
  position: absolute;
  width: 140px;
  opacity: 0.95;
  pointer-events: none;
}
.trust-float-coin--tl { top: 60px;  left: 60px;  transform: rotate(-20deg); }
.trust-float-coin--tr { top: 120px; right: 60px; transform: rotate(15deg); }
.trust-float-coin--bl { bottom: 140px; left: 140px; transform: rotate(10deg); }
.trust-float-coin--br { bottom: 100px; right: 80px; transform: rotate(-10deg); }

/* Dark card */
.trust-card {
  display: flex;
  align-items: center;
  gap: 51px;
  border-radius: 40px;
  overflow: hidden;
  background: linear-gradient(270deg, #2e3b35 47%, #063b1f 100%);
  padding-left: 77px;
}

/* Left */
.trust-left {
  flex: 0 0 480px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  padding: 48px 0;
}

.trust-text {
  display: flex;
  flex-direction: column;
  gap: 15px;
}

.trust-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #fff;
}

.trust-title--gold { color: #ffce1b; }

.trust-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 18px;
  line-height: 1.625;
  color: rgba(255,255,255,0.7);
}

/* 2×2 feature grid */
.trust-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px 0;
}

.trust-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.trust-feat-icon {
  width: 24px;
  height: 28px;
  object-fit: contain;
  flex-shrink: 0;
  margin-top: 2px;
}

.trust-feat-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 16px;
  line-height: 24px;
  color: #fff;
}

.trust-feat-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 12px;
  line-height: 16px;
  color: rgba(255,255,255,0.5);
}

/* Right: vault image */
.trust-right {
  flex: 0 0 544px;
  height: 544px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
}

.trust-vault-img {
  width: 117%;
  height: 117%;
  object-fit: cover;
  margin: -8.5%;
}

/* Partner logos marquee */
.trust-marquee-wrap {
  width: 100%;
  overflow: hidden;
}

.trust-marquee {
  overflow: hidden;
  width: 100%;
}

.trust-marquee-track {
  display: flex;
  gap: 22px;
  width: max-content;
  animation: marquee-scroll 18s linear infinite;
}

@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

.trust-logo-pill {
  background: rgba(255,255,255,0.72);
  border-radius: 12px;
  width: 120px;
  height: 74px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  padding: 8px 16px;
}

.trust-logo-pill img {
  max-width: 86px;
  max-height: 46px;
  object-fit: contain;
}

@media (max-width: 1100px) {
  .trust-section { padding: 100px 60px 28px; }
  .trust-left { flex: 1; }
  .trust-right { flex: 0 0 400px; height: 400px; }
}

@media (max-width: 800px) {
  .trust-section { padding: 80px 24px 28px; gap: 64px; }
  .trust-card { flex-direction: column; padding: 40px 32px; gap: 32px; }
  .trust-left { flex: unset; width: 100%; padding: 0; }
  .trust-right { flex: unset; width: 100%; height: 280px; }
  .trust-float-coin { width: 90px; }
}

/* ══════════════════════════════════════════
   What Happens After You Pay Section
══════════════════════════════════════════ */
.after-section {
  background: #ffffff;
  padding: 96px 126px;
}

.after-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 64px;
}

.after-heading {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
}

.after-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #063b1f;
}

.after-subtitle {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 24px;
  color: #64748b;
  max-width: 672px;
}

.after-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.after-card {
  background: #fdfdfd;
  border: 1px solid #f1f5f9;
  border-radius: 16px;
  padding: 33px;
  display: flex;
  gap: 24px;
  align-items: flex-start;
}

.after-num {
  width: 56px;
  height: 56px;
  flex-shrink: 0;
  border-radius: 24px;
  background: linear-gradient(to bottom, #fcc600, #dcac00);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 20px;
  color: #fff;
  letter-spacing: 1.2px;
}

.after-body {
  display: flex;
  flex-direction: column;
  gap: 7px;
  flex: 1;
  min-width: 0;
}

.after-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 20px;
  line-height: 28px;
  color: #0f172a;
}

.after-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 14px;
  line-height: 1.625;
  color: #64748b;
}

@media (max-width: 1100px) {
  .after-section { padding: 96px 60px; }
}

@media (max-width: 768px) {
  .after-section { padding: 64px 24px; }
  .after-grid { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════════
   Who Is This For Section
══════════════════════════════════════════ */
.who-section {
  background: #f0f4f1;
  padding: 100px 126px;
}

.who-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 34px;
}

.who-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #063b1f;
  text-align: center;
}

.who-grid {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
  width: 100%;
}

.who-card {
  position: relative;
  width: 274px;
  height: 195px;
  border-radius: 8px;
  overflow: hidden;
  flex-shrink: 0;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  padding: 12px;
}

.who-card-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.who-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(0,0,0,0) 40%, rgba(0,0,0,0.71) 100%);
  border-radius: 8px;
}

.who-card-label {
  position: relative;
  z-index: 1;
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 17px;
  line-height: normal;
  color: #fff;
  text-align: center;
}

@media (max-width: 1100px) {
  .who-section { padding: 80px 60px; }
  .who-card { width: calc(50% - 10px); height: 200px; }
}

@media (max-width: 600px) {
  .who-section { padding: 64px 24px; }
  .who-card { width: 100%; height: 180px; }
}

/* ══════════════════════════════════════════
   Live Price Sticky Bar
══════════════════════════════════════════ */
.emi-price-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid rgba(0, 0, 0, 0.08);
  box-shadow: 0 -4px 24px rgba(0, 0, 0, 0.08);

  /* hidden by default — slides in on scroll */
  transform: translateY(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.emi-price-bar.is-visible {
  transform: translateY(0);
}

.emi-price-bar-inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 16px 126px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.emi-price-left {
  display: flex;
  align-items: center;
  gap: 12px;
}

.emi-price-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 18px;
  color: #000;
}

.emi-price-dot {
  width: 22px;
  height: 22px;
  object-fit: contain;
  flex-shrink: 0;
}

.emi-price-value {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 24px;
  color: #000;
  line-height: 1;
}

.emi-price-unit {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 14px;
  color: rgba(0, 0, 0, 0.5);
}

.emi-price-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 178px;
  padding: 10px 24px;
  background: #0d4943;
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 14px;
  border-radius: 16px;
  text-decoration: none;
  white-space: nowrap;
  box-shadow:
    0px 10px 15px -3px rgba(13, 73, 67, 0.2),
    0px 4px 6px -4px rgba(13, 73, 67, 0.2);
  transition: background 0.2s;
}

.emi-price-cta:hover { background: #0a3a35; }

@media (max-width: 768px) {
  .emi-price-bar-inner {
    padding: 12px 20px;
    gap: 12px;
  }
  .emi-price-left {
    gap: 8px;
    flex-wrap: wrap;
    row-gap: 2px;
  }
  .emi-price-label {
    font-size: 13px;
    gap: 4px;
  }
  .emi-price-dot {
    width: 16px;
    height: 16px;
  }
  .emi-price-value {
    font-size: 18px;
  }
  .emi-price-unit {
    font-size: 12px;
  }
  .emi-price-cta {
    width: auto;
    padding: 10px 20px;
    font-size: 13px;
    flex-shrink: 0;
  }
}

@media (max-width: 480px) {
  .emi-price-bar-inner {
    padding: 10px 16px;
  }
  .emi-price-label span {
    display: none; /* hide "Live gold price:" text, show only dot + value */
  }
  .emi-price-value {
    font-size: 17px;
  }
}

/* ══════════════════════════════════════════
   Responsive
══════════════════════════════════════════ */
@media (max-width: 1280px) {
  .emi-hero { padding: 56px 60px 48px; }

  .emi-hero-visual { width: 480px; height: 424px; }
  .emi-hero-visual { height: 424px; }
  .emi-visual-bg   { height: 266px; }
  .emi-visual-blocks { height: 133px; top: 16px; }

  .emi-hero-title { font-size: 46px; }
}

@media (max-width: 900px) {
  .emi-hero { padding: 40px 24px 32px; gap: 32px; }
  .emi-hero-inner { flex-direction: column; }

  .emi-hero-visual {
    width: 100%;
    height: 320px;
  }
  .emi-visual-blocks { height: 100px; top: 12px; }
  .emi-visual-bg     { height: 200px; }
  .emi-hero-visual { height: 300px; }

  .emi-hero-title  { font-size: 36px; }
  .emi-hero-sub    { font-size: 16px; }
  .emi-btn-whatsapp,
  .emi-btn-outline { font-size: 16px; height: 52px; }

  .emi-trust-bar { gap: 20px; }
  .emi-trust-item { font-size: 15px; }
}

@media (max-width: 600px) {
  .emi-hero-ctas { flex-direction: column; align-items: flex-start; }
  .emi-btn-whatsapp,
  .emi-btn-outline { width: 100%; justify-content: center; }

  .emi-trust-item { font-size: 13px; }
  .emi-trust-item img { width: 20px; height: 20px; }
}

/* ══════════════════════════════════════════
   Testimonials Section
══════════════════════════════════════════ */
.testimonials-section {
  background: #fff;
  width: 100%;
  padding: 96px 0;
  overflow: hidden;
}

.testimonials-container {
  display: flex;
  flex-direction: column;
  gap: 64px;
}

.testimonials-heading {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 126px;
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: center;
  text-align: center;
}

.testimonials-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #063b1f;
  white-space: nowrap;
}

.testimonials-subtitle {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 24px;
  color: #64748b;
  white-space: nowrap;
}

.testimonials-track {
  display: flex;
  gap: 32px;
  overflow-x: auto;
  overflow-y: visible;
  padding-left: 126px;
  padding-right: 126px;
  padding-bottom: 12px;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  cursor: grab;
  user-select: none;
}
.testimonials-track::-webkit-scrollbar { display: none; }
.testimonials-track.is-dragging {
  cursor: grabbing;
  scroll-snap-type: none;
}

.testi-card {
  flex-shrink: 0;
  width: 468px;
  background: #f0f4f1;
  border: 1px solid #f1f5f9;
  border-radius: 16px;
  padding: 33px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 24px;
  scroll-snap-align: start;
  transition: transform 0.2s, box-shadow 0.2s;
}
.testi-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(6, 59, 31, 0.08);
}

.testi-card--wide { width: 637px; }

.testi-top {
  display: flex;
  flex-direction: column;
  gap: 26px;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 10px;
}
.testi-avatar {
  width: 29px;
  height: 29px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
  display: block;
}
.testi-author-info {
  display: flex;
  flex-direction: column;
}
.testi-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 22.75px;
  color: #080808;
}
.testi-location {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 14px;
  line-height: 22.75px;
  color: #64748b;
}

.testi-quote {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 20px;
  line-height: 28px;
  color: #0f172a;
  margin: 0;
}

.testi-stars {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border-radius: 99px;
  padding: 4px 20px;
  box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
  align-self: flex-start;
}
.testi-stars img {
  width: 24px;
  height: 24px;
  display: block;
  object-fit: contain;
}

@media (max-width: 1280px) {
  .testimonials-section  { padding: 80px 0; }
  .testimonials-heading  { padding: 0 48px; }
  .testimonials-track    { padding-left: 48px; padding-right: 48px; }
}

@media (max-width: 768px) {
  .testimonials-section  { padding: 64px 0; }
  .testimonials-heading  { padding: 0 24px; }
  .testimonials-track    { padding-left: 24px; padding-right: 24px; }
  .testi-card            { width: 320px; }
  .testi-card--wide      { width: 380px; }
  .testi-quote           { font-size: 16px; }
  .testimonials-title    { font-size: 26px; white-space: normal; }
  .testimonials-subtitle { white-space: normal; }
}

/* ══════════════════════════════════════════
   FAQ Section
══════════════════════════════════════════ */
.emi-faq {
  background: white;
  padding: 96px 126px;
}

.emi-faq .section-heading {
  margin-bottom: 48px;
  text-align: center;
}

.emi-faq .section-heading h2 {
  font-family: 'Noto Serif', serif;
  font-size: clamp(2rem, 3vw, 36px);
  line-height: 1.12;
  color: #063b1f;
  font-weight: 700;
}

.emi-faq .section-heading p {
  max-width: 672px;
  margin: 16px auto 0;
  color: #64748b;
  font-size: 16px;
  line-height: 24px;
  font-family: 'Poppins', sans-serif;
}

.emi-faq .faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.emi-faq .faq-item {
  background: #f0f4f1;
  border: 1px solid #f1f1f1;
  border-radius: 12px;
  overflow: hidden;
}

.emi-faq .faq-item summary {
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px;
  cursor: pointer;
}

.emi-faq .faq-item summary::-webkit-details-marker {
  display: none;
}

.emi-faq .faq-item span {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 18px;
  line-height: 28px;
  color: #000;
}

.emi-faq .faq-item summary svg {
  flex: 0 0 28px;
  transition: transform 0.24s ease;
}

.emi-faq .faq-item[open] summary svg {
  transform: rotate(180deg);
}

.emi-faq .faq-answer {
  margin: 0;
  padding: 0 20px 20px;
  color: #5f6f68;
  font-size: 15px;
  line-height: 24px;
  font-family: 'Poppins', sans-serif;
}

@media (max-width: 1280px) {
  .emi-faq { padding: 80px 48px; }
}

@media (max-width: 768px) {
  .emi-faq { padding: 64px 24px; }
  .emi-faq .faq-item span { font-size: 15px; }
}

/* ══════════════════════════════════════════
   CTA Expert Section
══════════════════════════════════════════ */
.cta-expert-section {
  padding: 90px 126px;
  background: #fff;
}

.cta-expert-card {
  position: relative;
  background: #f0f4f0;
  border: 1px solid rgba(13, 73, 67, 0.05);
  border-radius: 40px;
  padding: 49px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 32px;
  overflow: hidden;
}

/* decorative ellipses */
.cta-expert-ellipse {
  position: absolute;
  width: 284px;
  height: 284px;
  pointer-events: none;
}
.cta-expert-ellipse img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}
.cta-expert-ellipse--tl { top: -90px; left: -94px; }
.cta-expert-ellipse--br { bottom: -120px; right: 40px; }

/* icon circle */
.cta-expert-icon {
  width: 80px;
  height: 80px;
  background: #fff;
  border-radius: 50%;
  box-shadow: 0px 10px 15px -3px rgba(0,0,0,0.1), 0px 4px 6px -4px rgba(0,0,0,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.cta-expert-icon img {
  width: 36px;
  height: 44px;
  object-fit: contain;
  display: block;
}

/* text */
.cta-expert-text {
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: center;
  text-align: center;
  max-width: 672px;
  position: relative;
  z-index: 1;
}

.cta-expert-title {
  font-family: 'Noto Serif', serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 40px;
  color: #063b1f;
}

.cta-expert-sub {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 18px;
  line-height: 28px;
  color: #64748b;
  text-align: center;
}

/* trust chips row */
.cta-expert-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 16px;
  padding: 20px;
  position: relative;
  z-index: 1;
}

.cta-expert-chip {
  display: flex;
  align-items: center;
  gap: 10px;
}
.cta-expert-chip img {
  width: 26px;
  height: 26px;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
}
.cta-expert-chip span {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 18px;
  line-height: 28px;
  color: #000;
  white-space: nowrap;
}

/* action buttons */
.cta-expert-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
}

.cta-expert-whatsapp {
  display: inline-flex;
  align-items: center;
  gap: 20px;
  height: 64px;
  padding: 0 38px;
  background: #063b1f;
  border-radius: 16px;
  text-decoration: none;
  box-shadow: 0px 20px 25px -5px rgba(13,73,67,0.3), 0px 8px 10px -6px rgba(13,73,67,0.3);
  transition: background 0.2s, transform 0.15s;
}
.cta-expert-whatsapp:hover { background: #0a5a2f; transform: translateY(-2px); }
.cta-expert-whatsapp img {
  width: 29px;
  height: 30px;
  object-fit: contain;
  display: block;
}
.cta-expert-whatsapp span {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 18px;
  line-height: 28px;
  color: #fff;
  white-space: nowrap;
}

.cta-expert-call {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 64px;
  padding: 0 48px;
  background: rgba(255, 255, 255, 0.6);
  border-radius: 16px;
  font-family: 'Poppins', sans-serif;
  font-weight: 500;
  font-size: 18px;
  line-height: 28px;
  color: #063b1f;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s, transform 0.15s;
}
.cta-expert-call:hover { background: rgba(255,255,255,0.85); transform: translateY(-2px); }

/* fine print */
.cta-expert-fine {
  font-family: 'Poppins', sans-serif;
  font-weight: 500;
  font-size: 12px;
  line-height: 16px;
  color: #83a392;
  text-align: center;
  position: relative;
  z-index: 1;
}

/* responsive */
@media (max-width: 1280px) {
  .cta-expert-section { padding: 72px 48px; }
}

@media (max-width: 768px) {
  .cta-expert-section { padding: 60px 24px; }
  .cta-expert-card    { padding: 36px 24px; }
  .cta-expert-title   { font-size: 28px; }
  .cta-expert-sub     { font-size: 16px; }
  .cta-expert-chips   { gap: 20px; }
  .cta-expert-chip span { font-size: 15px; white-space: normal; }
  .cta-expert-whatsapp,
  .cta-expert-call    { width: 100%; justify-content: center; }
}