:root {
  --navy: #14213d;
  --ink: #1d2433;
  --ink-2: #3d4657;
  --muted: #667085;
  --paper: #faf7f2;
  --card: #ffffff;
  --line: #e7e0d4;
  --accent: #b4532f;       /* Jaipur terracotta */
  --accent-dark: #8e3d1f;
  --accent-soft: #f6e7df;
  --gold: #c8a04a;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(20, 33, 61, .06), 0 8px 24px rgba(20, 33, 61, .06);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font: 16px/1.65 var(--sans);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent-dark); }
a:hover { color: var(--accent); }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.15; color: var(--navy); letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.25rem); margin: .2em 0 .45em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin: 0 0 .6em; }
h3 { font-size: 1.2rem; margin: 0 0 .4em; }
p { margin: 0 0 1em; }
.wrap { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.muted { color: var(--muted); font-size: .92rem; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 12px; top: 12px; z-index: 100; background: #fff; padding: 8px 12px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4em;
  background: var(--accent); color: #fff; text-decoration: none; font-weight: 600;
  padding: .8em 1.3em; border-radius: 999px; border: 2px solid var(--accent);
  transition: background .15s, border-color .15s;
}
.btn:hover { background: var(--accent-dark); border-color: var(--accent-dark); color: #fff; }
.btn-sm { padding: .5em 1em; font-size: .9rem; }
.btn-block { width: 100%; }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); border-color: #fff; }
.btn-light:hover { background: var(--accent-soft); border-color: var(--accent-soft); color: var(--navy); }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.7); }
.btn-outline-light:hover { background: rgba(255,255,255,.12); color: #fff; border-color: #fff; }
.link-arrow { font-weight: 600; color: var(--accent-dark); text-decoration: none; }
.link-arrow:hover { text-decoration: underline; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(250, 247, 242, .94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav-row { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.brand-mark {
  display: grid; place-items: center; width: 40px; height: 40px; border-radius: 10px;
  background: var(--navy); color: var(--gold); font: 600 15px/1 var(--serif); letter-spacing: .03em;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-text strong { font-family: var(--serif); font-size: 1.1rem; }
.brand-text small { color: var(--muted); font-size: .76rem; }
.nav { display: flex; align-items: center; gap: 20px; }
.nav ul { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav ul a { display: block; padding: 8px 10px; border-radius: 8px; color: var(--ink-2); text-decoration: none; font-weight: 500; font-size: .95rem; }
.nav ul a:hover { background: var(--accent-soft); color: var(--navy); }
.nav ul a[aria-current="page"] { color: var(--accent-dark); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; }

@media (max-width: 960px) {
  .nav-toggle { display: block; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 12px;
    background: var(--paper); border-bottom: 1px solid var(--line); padding: 12px 20px 20px;
  }
  .nav.open { display: flex; }
  .nav ul { flex-direction: column; }
  .nav ul a { padding: 12px 8px; font-size: 1rem; }
}

.breadcrumbs { padding-top: 18px; font-size: .88rem; color: var(--muted); }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs span[aria-hidden] { margin: 0 6px; }

/* Hero */
.hero { padding: 56px 0 48px; background:
  radial-gradient(1200px 400px at 90% -10%, var(--accent-soft), transparent 60%); }
.hero-grid { display: grid; grid-template-columns: 1.35fr 1fr; gap: 48px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 600; color: var(--accent-dark); margin: 0 0 .6em; }
.lead { font-size: 1.15rem; color: var(--ink-2); max-width: 62ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0 32px; }
.stats { display: flex; flex-wrap: wrap; gap: 28px; list-style: none; margin: 0; padding: 0; }
.stats li { display: flex; flex-direction: column; }
.stats strong { font: 600 1.9rem/1.1 var(--serif); color: var(--navy); }
.stats span { color: var(--muted); font-size: .88rem; max-width: 16ch; }
.stats-row { justify-content: space-around; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; margin-bottom: 32px; }

.cred-card, .card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 28px;
}
.cred-card { border-top: 4px solid var(--gold); }
.cred-label { text-transform: uppercase; letter-spacing: .1em; font-size: .72rem; font-weight: 600; color: var(--muted); margin: 0 0 .4em; display: block; }
.cred-name { font: 600 1.45rem/1.2 var(--serif); color: var(--navy); margin-bottom: .8em; }
dl { margin: 0 0 1.2em; }
dl div { display: grid; grid-template-columns: 130px 1fr; gap: 12px; padding: 9px 0; border-bottom: 1px dashed var(--line); }
dl div:last-child { border-bottom: 0; }
dt { color: var(--muted); font-size: .9rem; }
dd { margin: 0; font-weight: 500; overflow-wrap: anywhere; }

/* Banks */
.banks { padding: 28px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--card); }
.banks-title { text-align: center; color: var(--muted); font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 14px; }
.chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; list-style: none; margin: 0; padding: 0; }
.chips li { padding: 7px 14px; border: 1px solid var(--line); border-radius: 999px; font-size: .92rem; font-weight: 500; color: var(--ink-2); background: var(--paper); }
.chips-soft { justify-content: flex-start; }
.chips-soft li { background: var(--card); }

/* Sections */
.section { padding: 72px 0; }
.section.alt { background: #f3eee5; }
.section-head { margin-bottom: 32px; }
.section-head.row { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; flex-wrap: wrap; }
.page-hero { padding: 40px 0 16px; }
.page-hero .lead + p { max-width: 62ch; color: var(--ink-2); }

.three { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card { text-decoration: none; color: inherit; transition: transform .15s, box-shadow .15s; }
a.card:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(20, 33, 61, .1); color: inherit; }
.feature { border-top: 4px solid var(--accent); }
.feature p, .svc-card p { color: var(--ink-2); }

.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.svc-card { display: flex; flex-direction: column; }
.svc-card p { flex: 1; }
.svc-num { font: 600 .95rem/1 var(--serif); color: var(--gold); margin-bottom: 14px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.steps { list-style: none; counter-reset: s; margin: 0; padding: 0; display: grid; gap: 14px; }
.steps li { counter-increment: s; position: relative; padding: 18px 18px 18px 64px; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); }
.steps li::before { content: counter(s); position: absolute; left: 18px; top: 18px; width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-weight: 600; font-size: .9rem; }
.steps strong { display: block; color: var(--navy); }
.steps span { color: var(--ink-2); font-size: .95rem; }

.two { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.faq { background: var(--card); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; }
.faq summary { cursor: pointer; padding: 16px 20px; font-weight: 600; color: var(--navy); list-style: none; position: relative; padding-right: 48px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 12px; font-size: 1.4rem; color: var(--accent); }
.faq[open] summary::after { content: "–"; }
.faq p { padding: 0 20px 18px; margin: 0; color: var(--ink-2); }

/* Service pages */
.svc-layout { display: grid; grid-template-columns: 1fr 320px; gap: 48px; align-items: start; }
.svc-main h2 { margin-top: 1.4em; }
.svc-main h2:first-child { margin-top: 0; }
.svc-side { display: grid; gap: 20px; position: sticky; top: 92px; }
.ticks { list-style: none; padding: 0; margin: 0 0 1em; }
.ticks li { position: relative; padding: 6px 0 6px 30px; }
.ticks li::before { content: ""; position: absolute; left: 4px; top: 13px; width: 12px; height: 7px; border-left: 2px solid var(--accent); border-bottom: 2px solid var(--accent); transform: rotate(-45deg); }
.plain { list-style: none; margin: 0; padding: 0; }
.plain li { padding: 4px 0; }
.bank-list { columns: 2; gap: 24px; padding-left: 1.1em; }
.bank-list li { padding: 4px 0; break-inside: avoid; }

.contact-list p { margin-bottom: 1.1em; }
.contact-list { font-style: normal; }
.map { width: 100%; min-height: 360px; border: 0; border-radius: var(--radius); }

/* CTA band */
.cta-band { background: var(--navy); color: #e8ecf4; padding: 56px 0; }
.cta-band h2 { color: #fff; }
.cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta-inner p { margin: 0; max-width: 56ch; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: #0f1930; color: #b9c1d1; padding: 56px 0 24px; font-size: .95rem; }
.site-footer a { color: #e6e9f0; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 32px; }
.footer-brand { font: 600 1.3rem/1.2 var(--serif); color: #fff; margin-bottom: .3em; }
.footer-h { color: #fff; font-weight: 600; margin-bottom: .6em; }
.site-footer address { font-style: normal; line-height: 1.8; }
.site-footer .muted { color: #8d97ab; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; border-top: 1px solid rgba(255,255,255,.1); margin-top: 36px; padding-top: 20px; font-size: .85rem; }
.footer-bottom p { margin: 0; }

.mobile-cta { display: none; }

@media (max-width: 960px) {
  .hero-grid, .split, .svc-layout { grid-template-columns: 1fr; gap: 32px; }
  .svc-side { position: static; }
  .three, .svc-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .wrap { padding: 0 16px; }
  .section { padding: 52px 0; }
  .hero { padding: 32px 0; }
  .three, .svc-grid, .two, .footer-grid { grid-template-columns: 1fr; }
  .bank-list { columns: 1; }
  dl div { grid-template-columns: 1fr; gap: 2px; }
  .brand-text small { display: none; }
  .nav > .btn { display: none; }
  body { padding-bottom: 60px; }
  .mobile-cta {
    display: grid; grid-template-columns: 1fr 1fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    box-shadow: 0 -4px 16px rgba(0,0,0,.12);
  }
  .mobile-cta a { text-align: center; padding: 16px; font-weight: 600; text-decoration: none; color: #fff; background: var(--accent); }
  .mobile-cta a + a { background: #1f8f4e; }
}

/* Hindi */
html[lang="hi-IN"] {
  --sans: "Noto Sans Devanagari", "Inter", system-ui, sans-serif;
  --serif: "Noto Serif Devanagari", "Fraunces", Georgia, serif;
}
html[lang="hi-IN"] body { line-height: 1.75; }
html[lang="hi-IN"] .eyebrow, html[lang="hi-IN"] .cred-label, html[lang="hi-IN"] .banks-title { letter-spacing: 0; text-transform: none; font-size: .85rem; }
html[lang="hi-IN"] h1, html[lang="hi-IN"] h2, html[lang="hi-IN"] h3 { line-height: 1.35; letter-spacing: 0; }

/* Language switch */
.nav ul a.lang-switch { border: 1px solid var(--line); font-weight: 600; color: var(--navy); }

/* Stats row wraps 4 items */
.stats-row .stats { justify-content: space-around; width: 100%; }
.stats-row { display: flex; }

/* Contact */
.contact-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 24px; }
.contact-strip p { margin: 0; overflow-wrap: anywhere; }
.office { display: grid; gap: 16px; }
.office-addr { font-weight: 500; color: var(--navy); }
@media (max-width: 960px) { .contact-strip { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .contact-strip { grid-template-columns: 1fr; } }

/* Photos */
.team-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; }
.team-grid img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; }
.portrait { width: 100%; max-width: 280px; aspect-ratio: 440 / 520; object-fit: cover; border-radius: 12px; margin-bottom: 20px; }
.portrait-sm { max-width: 120px; border-radius: 50%; aspect-ratio: 1; object-position: 50% 25%; margin-bottom: 12px; }
@media (max-width: 960px) { .team-grid { grid-template-columns: 1fr; gap: 24px; } }