:root {
    --navy: #0E1B33;
    --navy-deep: #070E1F;
    --cream: #F6F1E6;
    --cream-soft: #FBF7EE;
    --gold: #C9A24B;
    --gold-bright: #E0B85B;
    --ink: #1A1A1A;
    --muted: #6B6F7A;
    --line: rgba(14, 27, 51, 0.12);
    --success: #2D7A4F;
    --warning: #C9A24B;
    --pending: #6B6F7A;
    --shadow-sm: 0 1px 2px rgba(14, 27, 51, 0.06);
    --shadow-md: 0 8px 32px rgba(14, 27, 51, 0.08);
    --shadow-lg: 0 24px 64px rgba(14, 27, 51, 0.18);
  }

  * { margin: 0; padding: 0; box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body {
    font-family: Arial, Helvetica, sans-serif;
    color: var(--ink);
    background: var(--cream-soft);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
  }

  .container { max-width: 1240px; margin: 0 auto; padding: 0 32px; }

  h1, h2, h3, h4 {
    font-family: Arial, Helvetica, sans-serif;
    font-weight: 700;
    line-height: 1.15;
    letter-spacing: -0.01em;
  }
  h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
  h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
  h3 { font-size: clamp(1.2rem, 1.8vw, 1.4rem); }

  /* === NAVIGATION === */
  .nav {
    position: fixed; top: 0; left: 0; right: 0;
    background: rgba(251, 247, 238, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--line);
    z-index: 100;
  }
  .nav-inner {
    max-width: 1240px; margin: 0 auto;
    display: flex; align-items: center; justify-content: space-between;
    padding: 16px 32px;
  }
  .logo {
    font-size: 1.6rem; font-weight: 800;
    color: var(--navy); letter-spacing: -0.02em;
    text-decoration: none;
  }
  .logo span { color: var(--gold); }
  .nav-links { display: flex; gap: 30px; align-items: center; list-style: none; }
  .nav-links a {
    color: var(--navy); text-decoration: none;
    font-size: 0.92rem; font-weight: 600;
    position: relative; padding: 4px 0;
    transition: color 0.2s;
  }
  .nav-links a:hover { color: var(--gold); }
  .nav-cta {
    background: var(--navy); color: var(--cream) !important;
    padding: 10px 22px !important; border-radius: 100px;
    font-weight: 700 !important;
  }
  .nav-cta:hover { background: var(--gold) !important; color: var(--navy) !important; }
  .hamburger { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
  .hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: 0.3s; }

  /* === HERO === */
  .hero {
    position: relative;
    padding: 140px 0 90px;
    background: linear-gradient(135deg, var(--cream-soft) 0%, var(--cream) 100%);
    overflow: hidden;
  }
  .hero::before {
    content: ''; position: absolute; top: -150px; right: -150px;
    width: 600px; height: 600px; border-radius: 50%;
    background: radial-gradient(circle, rgba(201, 162, 75, 0.15) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero::after {
    content: ''; position: absolute; bottom: -200px; left: -200px;
    width: 700px; height: 700px; border-radius: 50%;
    background: radial-gradient(circle, rgba(14, 27, 51, 0.06) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero-grid {
    display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px;
    align-items: center; position: relative; z-index: 2;
  }
  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 0.75rem; letter-spacing: 0.18em; text-transform: uppercase;
    font-weight: 700; color: var(--gold);
    margin-bottom: 24px;
  }
  .hero-eyebrow::before {
    content: ''; display: block; width: 32px; height: 2px; background: var(--gold);
  }
  .hero h1 { margin-bottom: 24px; color: var(--navy); }
  .hero h1 span.accent {
    color: var(--gold); position: relative;
  }
  .hero-sub {
    font-size: 1.1rem; color: var(--muted);
    margin-bottom: 36px; max-width: 540px;
  }
  .hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
  .btn {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 16px 30px; border-radius: 100px;
    font-weight: 700; font-size: 0.95rem;
    font-family: Arial, sans-serif;
    text-decoration: none; cursor: pointer; border: none;
    transition: all 0.3s ease;
  }
  .btn-primary {
    background: var(--navy); color: var(--cream);
    box-shadow: 0 8px 24px rgba(14, 27, 51, 0.25);
  }
  .btn-primary:hover {
    background: var(--gold); color: var(--navy);
    transform: translateY(-2px);
    box-shadow: 0 12px 32px rgba(201, 162, 75, 0.35);
  }
  .btn-secondary {
    background: transparent; color: var(--navy);
    border: 2px solid var(--navy);
  }
  .btn-secondary:hover { background: var(--navy); color: var(--cream); }
  .btn-gold {
    background: var(--gold); color: var(--navy);
  }
  .btn-gold:hover { background: var(--navy); color: var(--cream); }
  .btn-arrow { transition: transform 0.3s; }
  .btn:hover .btn-arrow { transform: translateX(4px); }

  /* Hero Card */
  .hero-card {
    background: var(--navy);
    border-radius: 24px;
    padding: 36px;
    color: var(--cream);
    position: relative;
    box-shadow: var(--shadow-lg);
  }
  .card-label {
    font-size: 0.7rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    margin-bottom: 16px; font-weight: 700;
  }
  .card-big {
    font-size: 3.2rem; font-weight: 800;
    line-height: 1; margin-bottom: 8px;
    letter-spacing: -0.02em;
  }
  .card-big sup { font-size: 1.4rem; color: var(--gold); }
  .card-sub { font-size: 0.95rem; opacity: 0.7; margin-bottom: 24px; }
  .card-divider { height: 1px; background: rgba(246, 241, 230, 0.15); margin: 24px 0; }
  .card-list { list-style: none; }
  .card-list li {
    display: flex; align-items: center; gap: 12px;
    padding: 10px 0; font-size: 0.92rem;
  }
  .card-list svg { flex-shrink: 0; }
  .card-tnc { font-size: 0.7rem; opacity: 0.5; margin-top: 20px; }

  /* === QUICK ACTIONS BAR === */
  .quick-actions {
    background: var(--navy);
    padding: 24px 0;
    border-top: 1px solid rgba(201, 162, 75, 0.2);
    border-bottom: 1px solid rgba(201, 162, 75, 0.2);
  }
  .quick-actions-grid {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 1px; background: rgba(246, 241, 230, 0.1);
  }
  .quick-action {
    background: var(--navy);
    padding: 18px 20px;
    display: flex; align-items: center; gap: 16px;
    color: var(--cream); text-decoration: none;
    transition: all 0.3s;
    cursor: pointer;
  }
  .quick-action:hover { background: var(--navy-deep); }
  .quick-action:hover .qa-icon { background: var(--gold); color: var(--navy); }
  .qa-icon {
    width: 44px; height: 44px; border-radius: 12px;
    background: rgba(201, 162, 75, 0.15);
    color: var(--gold);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0; transition: all 0.3s;
  }
  .qa-text { display: flex; flex-direction: column; }
  .qa-label { font-size: 0.7rem; opacity: 0.6; letter-spacing: 0.1em; text-transform: uppercase; }
  .qa-title { font-size: 0.95rem; font-weight: 700; }

  /* === STATS === */
  .stats {
    padding: 90px 0;
    background: var(--cream-soft);
  }
  .stats-eyebrow {
    text-align: center; font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .stats-heading {
    text-align: center; color: var(--navy);
    max-width: 760px; margin: 0 auto 56px;
  }
  .stats-grid {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 0;
    border-top: 2px solid var(--line);
    border-bottom: 2px solid var(--line);
  }
  .stat-item {
    padding: 40px 28px;
    text-align: center;
    border-right: 1px solid var(--line);
  }
  .stat-item:last-child { border-right: none; }
  .stat-number {
    font-size: clamp(2.2rem, 4vw, 3.2rem);
    font-weight: 800; color: var(--navy);
    line-height: 1; margin-bottom: 12px;
    display: block; letter-spacing: -0.02em;
  }
  .stat-number .suffix { color: var(--gold); font-size: 0.7em; }
  .stat-label {
    font-size: 0.8rem; color: var(--muted);
    letter-spacing: 0.08em; text-transform: uppercase;
    font-weight: 700;
  }

  /* === EMI CALCULATOR === */
  .calculator {
    padding: 100px 0;
    background: #fff;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
  }
  .calc-head { text-align: center; margin-bottom: 50px; }
  .calc-head .eyebrow {
    font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .calc-head h2 { color: var(--navy); margin-bottom: 12px; }
  .calc-head p { color: var(--muted); }
  .calc-grid {
    display: grid; grid-template-columns: 1.2fr 1fr;
    gap: 40px; max-width: 1000px; margin: 0 auto;
    background: var(--cream-soft);
    padding: 40px;
    border-radius: 20px;
    border: 1px solid var(--line);
  }
  .calc-input-group { margin-bottom: 28px; }
  .calc-input-group label {
    display: flex; justify-content: space-between;
    font-size: 0.85rem; font-weight: 700;
    color: var(--navy); margin-bottom: 12px;
  }
  .calc-input-group .value-display {
    color: var(--gold); font-weight: 800;
    font-size: 1.05rem;
  }
  .calc-slider {
    width: 100%; height: 8px;
    -webkit-appearance: none; appearance: none;
    background: rgba(14, 27, 51, 0.1);
    border-radius: 10px;
    outline: none;
    cursor: pointer;
  }
  .calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none; appearance: none;
    width: 24px; height: 24px;
    background: var(--gold);
    border: 3px solid var(--navy);
    border-radius: 50%; cursor: pointer;
    box-shadow: 0 2px 8px rgba(0,0,0,0.2);
  }
  .calc-slider::-moz-range-thumb {
    width: 24px; height: 24px;
    background: var(--gold);
    border: 3px solid var(--navy);
    border-radius: 50%; cursor: pointer;
  }
  .calc-range-labels {
    display: flex; justify-content: space-between;
    font-size: 0.75rem; color: var(--muted);
    margin-top: 8px;
  }
  .calc-output {
    background: var(--navy);
    color: var(--cream);
    border-radius: 16px;
    padding: 32px;
    display: flex; flex-direction: column;
    justify-content: center;
  }
  .calc-output .out-label {
    font-size: 0.7rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    margin-bottom: 8px; font-weight: 700;
  }
  .calc-output .out-emi {
    font-size: 2.8rem; font-weight: 800;
    color: var(--gold);
    line-height: 1; margin-bottom: 24px;
    letter-spacing: -0.02em;
  }
  .calc-summary {
    border-top: 1px solid rgba(246, 241, 230, 0.15);
    padding-top: 20px;
    display: flex; flex-direction: column; gap: 12px;
  }
  .calc-summary-row {
    display: flex; justify-content: space-between;
    font-size: 0.9rem;
  }
  .calc-summary-row .lbl { opacity: 0.7; }
  .calc-summary-row .val { font-weight: 700; }
  .calc-output .btn {
    margin-top: 24px;
    justify-content: center;
  }

  /* === HOW IT WORKS === */
  .process {
    padding: 100px 0;
    background: var(--navy);
    color: var(--cream);
    position: relative; overflow: hidden;
  }
  .process-head { text-align: center; margin-bottom: 60px; }
  .process-head h2 { color: var(--cream); max-width: 700px; margin: 0 auto; }
  .process-head .eyebrow {
    font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .process-steps {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 24px;
  }
  .process-step {
    padding: 28px 22px;
    background: rgba(246, 241, 230, 0.03);
    border: 1px solid rgba(246, 241, 230, 0.1);
    border-radius: 14px;
    transition: all 0.4s;
  }
  .process-step:hover {
    background: rgba(201, 162, 75, 0.08);
    border-color: var(--gold);
    transform: translateY(-4px);
  }
  .step-num {
    font-size: 2.5rem; color: var(--gold);
    font-weight: 800; line-height: 1;
    margin-bottom: 18px;
  }
  .process-step h3 {
    color: var(--cream); font-size: 1.15rem;
    margin-bottom: 10px;
  }
  .process-step p {
    color: rgba(246, 241, 230, 0.65);
    font-size: 0.88rem;
  }

  /* === FEATURES (WHY) === */
  .features {
    padding: 100px 0;
    background: var(--cream-soft);
  }
  .features-head {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; margin-bottom: 60px;
    align-items: end;
  }
  .features-head h2 { color: var(--navy); }
  .features-head .lead {
    font-size: 1.05rem; color: var(--muted);
  }
  .features-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 0;
    border: 1px solid var(--line);
    background: var(--cream-soft);
  }
  .feature-card {
    padding: 40px 30px;
    border-right: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    background: var(--cream-soft);
    transition: all 0.4s ease;
  }
  .feature-card:nth-child(3n) { border-right: none; }
  .feature-card:nth-last-child(-n+3) { border-bottom: none; }
  .feature-card:hover { background: var(--navy); color: var(--cream); }
  .feature-card:hover h3, .feature-card:hover p { color: var(--cream); }
  .feature-card:hover .feature-icon { color: var(--gold); }
  .feature-card:hover .feature-num { color: var(--gold); }
  .feature-num {
    font-size: 0.82rem; color: var(--gold);
    font-weight: 700; letter-spacing: 0.1em;
    margin-bottom: 22px; display: block;
  }
  .feature-icon {
    width: 44px; height: 44px;
    margin-bottom: 22px;
    color: var(--navy);
    transition: color 0.4s;
  }
  .feature-card h3 { color: var(--navy); margin-bottom: 12px; transition: color 0.4s; }
  .feature-card p { color: var(--muted); font-size: 0.93rem; transition: color 0.4s; }

  /* === PARTNERS === */
  .partners {
    padding: 100px 0;
    background: #fff;
  }
  .partners-head { text-align: center; margin-bottom: 50px; }
  .partners-head .eyebrow {
    font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .partners-head h2 { color: var(--navy); margin-bottom: 14px; }
  .partners-head .lead { color: var(--muted); max-width: 600px; margin: 0 auto; }
  .partners-grid {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 20px;
  }
  .partner-card {
    background: var(--cream-soft);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 32px 20px;
    text-align: center;
    transition: all 0.3s;
    position: relative; overflow: hidden;
  }
  .partner-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--gold);
    transform: scaleX(0); transform-origin: left;
    transition: transform 0.4s;
  }
  .partner-card:hover::before { transform: scaleX(1); }
  .partner-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    background: #fff;
  }
  .partner-type {
    font-size: 0.68rem; letter-spacing: 0.15em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 10px;
  }
  .partner-name {
    font-size: 1.05rem; color: var(--navy);
    font-weight: 700;
  }

  /* === APPLICATION FORM SECTION === */
  .apply {
    padding: 100px 0;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
    color: var(--cream);
    position: relative; overflow: hidden;
  }
  .apply::before {
    content: ''; position: absolute; top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    width: 800px; height: 800px; border-radius: 50%;
    background: radial-gradient(circle, rgba(201, 162, 75, 0.1) 0%, transparent 60%);
    pointer-events: none;
  }
  .apply-inner { max-width: 800px; margin: 0 auto; position: relative; z-index: 2; }
  .apply-head { text-align: center; margin-bottom: 48px; }
  .apply-head .eyebrow {
    font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .apply-head h2 { color: var(--cream); margin-bottom: 14px; }
  .apply-head p { color: rgba(246, 241, 230, 0.7); font-size: 1.05rem; }

  /* Multi-step form */
  .step-tracker {
    display: flex; justify-content: space-between;
    margin-bottom: 40px;
    position: relative;
  }
  .step-tracker::before {
    content: ''; position: absolute;
    top: 18px; left: 6%; right: 6%;
    height: 2px; background: rgba(246, 241, 230, 0.15);
    z-index: 1;
  }
  .step-tracker .progress-bar {
    position: absolute; top: 18px; left: 6%;
    height: 2px; background: var(--gold);
    z-index: 2; transition: width 0.5s ease;
    width: 0%;
  }
  .step-dot {
    position: relative; z-index: 3;
    display: flex; flex-direction: column; align-items: center;
    flex: 1;
  }
  .step-dot .dot {
    width: 38px; height: 38px; border-radius: 50%;
    background: var(--navy);
    border: 2px solid rgba(246, 241, 230, 0.3);
    color: rgba(246, 241, 230, 0.6);
    display: flex; align-items: center; justify-content: center;
    font-weight: 800; font-size: 0.9rem;
    transition: all 0.3s;
  }
  .step-dot.active .dot { background: var(--gold); border-color: var(--gold); color: var(--navy); }
  .step-dot.completed .dot { background: var(--gold); border-color: var(--gold); color: var(--navy); }
  .step-dot .step-label {
    margin-top: 10px; font-size: 0.75rem;
    color: rgba(246, 241, 230, 0.5);
    text-align: center;
  }
  .step-dot.active .step-label { color: var(--gold); font-weight: 700; }

  .apply-form {
    background: rgba(246, 241, 230, 0.04);
    border: 1px solid rgba(246, 241, 230, 0.1);
    border-radius: 20px;
    padding: 40px;
    backdrop-filter: blur(10px);
  }
  .form-step { display: none; }
  .form-step.active { display: block; animation: fadeIn 0.4s ease; }
  @keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .form-step h3 {
    color: var(--cream); margin-bottom: 6px;
    font-size: 1.4rem;
  }
  .form-step .step-sub {
    color: rgba(246, 241, 230, 0.6);
    font-size: 0.9rem; margin-bottom: 28px;
  }
  .form-row {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 16px; margin-bottom: 16px;
  }
  .form-group { margin-bottom: 16px; }
  .form-group label {
    display: block; font-size: 0.78rem;
    letter-spacing: 0.05em; text-transform: uppercase;
    color: rgba(246, 241, 230, 0.7); font-weight: 700;
    margin-bottom: 8px;
  }
  .form-group input,
  .form-group select,
  .form-group textarea {
    width: 100%; padding: 14px 16px;
    border: 1px solid rgba(246, 241, 230, 0.15);
    border-radius: 10px;
    background: rgba(246, 241, 230, 0.05);
    font-family: Arial, sans-serif; font-size: 0.95rem;
    color: var(--cream);
    transition: all 0.2s;
  }
  .form-group input:focus,
  .form-group select:focus,
  .form-group textarea:focus {
    outline: none; border-color: var(--gold);
    background: rgba(246, 241, 230, 0.08);
  }
  .form-group input::placeholder { color: rgba(246, 241, 230, 0.3); }
  .form-group select { color: var(--cream); }
  .form-group select option { background: var(--navy); color: var(--cream); }
  .form-actions {
    display: flex; justify-content: space-between;
    margin-top: 28px; gap: 12px;
  }
  .form-actions .btn { flex: 1; justify-content: center; }
  .btn-back {
    background: transparent;
    color: var(--cream);
    border: 1px solid rgba(246, 241, 230, 0.3);
  }
  .btn-back:hover { background: rgba(246, 241, 230, 0.05); }

  /* OTP boxes */
  .otp-boxes {
    display: flex; gap: 12px; justify-content: center;
    margin: 24px 0;
  }
  .otp-input {
    width: 54px; height: 60px;
    text-align: center; font-size: 1.5rem;
    font-weight: 800;
    border: 2px solid rgba(246, 241, 230, 0.2);
    background: rgba(246, 241, 230, 0.05);
    color: var(--cream);
    border-radius: 12px;
  }
  .otp-input:focus { border-color: var(--gold); outline: none; }
  .otp-info {
    text-align: center; color: rgba(246, 241, 230, 0.6);
    font-size: 0.85rem; margin-bottom: 20px;
  }
  .otp-info strong { color: var(--gold); }
  .otp-resend {
    text-align: center; font-size: 0.85rem;
    color: rgba(246, 241, 230, 0.5);
  }
  .otp-resend a { color: var(--gold); text-decoration: none; font-weight: 700; cursor: pointer; }

  /* Success message */
  .form-success {
    text-align: center;
    padding: 20px 0;
  }
  .form-success .check-circle {
    width: 80px; height: 80px;
    border-radius: 50%; background: var(--gold);
    color: var(--navy);
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 24px;
  }
  .form-success h3 {
    color: var(--cream); font-size: 1.6rem;
    margin-bottom: 12px;
  }
  .form-success .app-id {
    background: rgba(201, 162, 75, 0.1);
    border: 1px solid var(--gold);
    border-radius: 10px;
    padding: 16px; margin: 24px 0;
    display: inline-block;
  }
  .form-success .app-id-label {
    font-size: 0.75rem; letter-spacing: 0.15em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 6px;
  }
  .form-success .app-id-number {
    font-size: 1.4rem; font-weight: 800;
    color: var(--cream); letter-spacing: 0.1em;
  }
  .form-success p { color: rgba(246, 241, 230, 0.7); margin-bottom: 12px; }

  /* === TRACKING MODAL === */
  .modal-overlay {
    position: fixed; inset: 0;
    background: rgba(7, 14, 31, 0.85);
    backdrop-filter: blur(8px);
    z-index: 200;
    display: none;
    align-items: center; justify-content: center;
    padding: 20px;
  }
  .modal-overlay.active { display: flex; }
  .modal {
    background: #fff;
    border-radius: 20px;
    max-width: 600px; width: 100%;
    max-height: 90vh; overflow-y: auto;
    box-shadow: var(--shadow-lg);
  }
  .modal-header {
    padding: 28px 32px;
    border-bottom: 1px solid var(--line);
    display: flex; justify-content: space-between; align-items: center;
  }
  .modal-header h3 { color: var(--navy); font-size: 1.3rem; }
  .modal-close {
    width: 36px; height: 36px; border-radius: 50%;
    background: var(--cream); border: none;
    cursor: pointer; color: var(--navy);
    display: flex; align-items: center; justify-content: center;
  }
  .modal-close:hover { background: var(--navy); color: var(--cream); }
  .modal-body { padding: 32px; }
  .track-input-group {
    margin-bottom: 20px;
  }
  .track-input-group label {
    display: block; font-size: 0.8rem;
    font-weight: 700; color: var(--navy);
    margin-bottom: 8px; letter-spacing: 0.05em;
  }
  .track-input-group input {
    width: 100%; padding: 14px 16px;
    border: 2px solid var(--line);
    border-radius: 10px; background: var(--cream-soft);
    font-family: Arial; font-size: 1rem;
  }
  .track-input-group input:focus { outline: none; border-color: var(--navy); background: #fff; }
  .track-result { display: none; margin-top: 24px; }
  .track-result.active { display: block; }
  .track-card {
    background: var(--cream-soft);
    border-radius: 14px;
    padding: 24px;
    margin-bottom: 20px;
  }
  .track-card .tr-id {
    font-size: 0.75rem; color: var(--gold);
    font-weight: 700; letter-spacing: 0.15em;
    text-transform: uppercase; margin-bottom: 8px;
  }
  .track-card .tr-applicant {
    font-size: 1.2rem; color: var(--navy);
    font-weight: 800; margin-bottom: 6px;
  }
  .track-card .tr-amount {
    color: var(--muted); font-size: 0.9rem;
    margin-bottom: 16px;
  }
  .tr-status-badge {
    display: inline-block;
    padding: 6px 14px; border-radius: 100px;
    font-size: 0.8rem; font-weight: 700;
    background: rgba(201, 162, 75, 0.15);
    color: var(--gold);
    border: 1px solid var(--gold);
  }
  /* Timeline */
  .track-timeline { padding-left: 8px; }
  .timeline-item {
    position: relative;
    padding-left: 32px; padding-bottom: 24px;
  }
  .timeline-item:last-child { padding-bottom: 0; }
  .timeline-item::before {
    content: ''; position: absolute;
    left: 0; top: 4px;
    width: 14px; height: 14px;
    border-radius: 50%;
    background: var(--cream); border: 3px solid var(--line);
  }
  .timeline-item.done::before { background: var(--success); border-color: var(--success); }
  .timeline-item.active::before { background: var(--gold); border-color: var(--gold); animation: pulse-dot 2s infinite; }
  .timeline-item.pending::before { background: var(--cream); border-color: var(--line); }
  @keyframes pulse-dot {
    0%, 100% { box-shadow: 0 0 0 0 rgba(201, 162, 75, 0.4); }
    50% { box-shadow: 0 0 0 8px rgba(201, 162, 75, 0); }
  }
  .timeline-item::after {
    content: ''; position: absolute;
    left: 6px; top: 22px; bottom: -2px;
    width: 2px; background: var(--line);
  }
  .timeline-item:last-child::after { display: none; }
  .timeline-item.done::after { background: var(--success); }

  .timeline-title {
    font-weight: 700; color: var(--navy);
    margin-bottom: 4px; font-size: 0.95rem;
  }
  .timeline-date {
    font-size: 0.8rem; color: var(--muted);
  }
  .timeline-item.pending .timeline-title { color: var(--muted); }

  /* === FAQ === */
  .faq {
    padding: 100px 0;
    background: #fff;
  }
  .faq-head { text-align: center; margin-bottom: 50px; }
  .faq-head .eyebrow {
    font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .faq-head h2 { color: var(--navy); }
  .faq-list { max-width: 820px; margin: 0 auto; }
  .faq-item {
    border-bottom: 1px solid var(--line);
    padding: 24px 0;
    cursor: pointer;
  }
  .faq-question {
    display: flex; justify-content: space-between; align-items: center;
    gap: 24px;
  }
  .faq-question h3 {
    font-size: 1.1rem; color: var(--navy);
    font-weight: 700;
  }
  .faq-toggle {
    width: 32px; height: 32px;
    border-radius: 50%; background: var(--cream);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    transition: all 0.3s;
    color: var(--navy);
  }
  .faq-item.active .faq-toggle {
    background: var(--navy); color: var(--gold);
    transform: rotate(45deg);
  }
  .faq-answer {
    max-height: 0; overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
    color: var(--muted); font-size: 0.95rem;
    padding-top: 0;
  }
  .faq-item.active .faq-answer {
    max-height: 400px;
    padding-top: 14px;
  }

  /* === CONTACT === */
  .contact {
    padding: 100px 0;
    background: var(--cream-soft);
  }
  .contact-grid {
    display: grid; grid-template-columns: 1fr 1.2fr;
    gap: 60px; align-items: start;
  }
  .contact-info .eyebrow {
    font-size: 0.75rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 16px;
  }
  .contact-info h2 { color: var(--navy); margin-bottom: 20px; }
  .contact-info > p {
    color: var(--muted); margin-bottom: 36px;
    font-size: 1rem;
  }
  .contact-list { list-style: none; }
  .contact-list li {
    padding: 20px 0;
    border-bottom: 1px solid var(--line);
    display: flex; align-items: center; gap: 18px;
  }
  .contact-list li:last-child { border-bottom: none; }
  .contact-icon {
    width: 44px; height: 44px;
    border-radius: 50%;
    background: var(--navy); color: var(--gold);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .contact-list .label {
    font-size: 0.72rem; letter-spacing: 0.15em;
    text-transform: uppercase; color: var(--muted);
    margin-bottom: 4px; font-weight: 700;
  }
  .contact-list .value {
    font-size: 1.1rem; font-weight: 700;
    color: var(--navy); text-decoration: none;
  }
  .contact-list .value:hover { color: var(--gold); }

  .quick-form {
    background: #fff;
    padding: 40px;
    border-radius: 20px;
    border: 1px solid var(--line);
    box-shadow: var(--shadow-md);
  }
  .quick-form h3 { color: var(--navy); margin-bottom: 6px; font-size: 1.4rem; }
  .quick-form .form-sub {
    color: var(--muted); margin-bottom: 28px; font-size: 0.92rem;
  }
  .quick-form .form-group label { color: var(--navy); }
  .quick-form .form-group input,
  .quick-form .form-group select,
  .quick-form .form-group textarea {
    background: var(--cream-soft); color: var(--ink);
    border-color: var(--line);
  }
  .quick-form .form-group input::placeholder { color: var(--muted); }

  /* === FOOTER === */
  .footer {
    background: var(--navy-deep);
    color: var(--cream);
    padding: 70px 0 28px;
  }
  .footer-grid {
    display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px; margin-bottom: 50px;
  }
  .footer-brand .logo {
    color: var(--cream); font-size: 1.8rem;
    display: inline-block; margin-bottom: 18px;
  }
  .footer-brand p {
    color: rgba(246, 241, 230, 0.55);
    font-size: 0.9rem; max-width: 320px;
  }
  .footer-col h4 {
    font-size: 0.72rem; letter-spacing: 0.2em;
    text-transform: uppercase; color: var(--gold);
    font-weight: 700; margin-bottom: 18px;
  }
  .footer-col ul { list-style: none; }
  .footer-col li { margin-bottom: 12px; }
  .footer-col a {
    color: rgba(246, 241, 230, 0.65);
    text-decoration: none; font-size: 0.9rem;
    transition: color 0.2s;
    cursor: pointer;
  }
  .footer-col a:hover { color: var(--gold); }
  .footer-bottom {
    padding-top: 28px;
    border-top: 1px solid rgba(246, 241, 230, 0.1);
    display: flex; justify-content: space-between; align-items: center;
    flex-wrap: wrap; gap: 14px;
    font-size: 0.83rem;
    color: rgba(246, 241, 230, 0.5);
  }
  .footer-bottom a { color: rgba(246, 241, 230, 0.5); text-decoration: none; margin-left: 22px; }

  /* === FLOATING WHATSAPP === */
  .whatsapp-float {
    position: fixed; bottom: 24px; right: 24px;
    width: 60px; height: 60px;
    background: #25D366; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
    z-index: 99; cursor: pointer;
    transition: transform 0.3s;
    color: #fff;
  }
  .whatsapp-float:hover { transform: scale(1.1); }
  .whatsapp-float::before {
    content: ''; position: absolute; inset: 0;
    border-radius: 50%;
    background: #25D366; opacity: 0.4;
    animation: pulse 2s infinite;
  }
  @keyframes pulse {
    0% { transform: scale(1); opacity: 0.4; }
    100% { transform: scale(1.6); opacity: 0; }
  }

  /* === MOBILE === */
  @media (max-width: 980px) {
    .hero { padding: 120px 0 70px; }
    .hero-grid { grid-template-columns: 1fr; gap: 40px; }
    .quick-actions-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-item:nth-child(2) { border-right: none; }
    .stat-item:nth-child(1), .stat-item:nth-child(2) { border-bottom: 1px solid var(--line); }
    .calc-grid { grid-template-columns: 1fr; padding: 28px; gap: 28px; }
    .features-head { grid-template-columns: 1fr; gap: 20px; }
    .features-grid { grid-template-columns: 1fr; }
    .feature-card { border-right: none !important; border-bottom: 1px solid var(--line) !important; }
    .feature-card:last-child { border-bottom: none !important; }
    .process-steps { grid-template-columns: repeat(2, 1fr); }
    .partners-grid { grid-template-columns: repeat(2, 1fr); }
    .contact-grid { grid-template-columns: 1fr; gap: 40px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
    .nav-links { display: none; }
    .hamburger { display: block; }
    .form-row { grid-template-columns: 1fr; }
    .apply-form { padding: 28px 20px; }
    .step-tracker .step-label { font-size: 0.65rem; }
    .otp-input { width: 44px; height: 50px; font-size: 1.2rem; }
  }
  @media (max-width: 560px) {
    .container { padding: 0 20px; }
    .nav-inner { padding: 12px 20px; }
    .hero-card { padding: 24px; }
    .card-big { font-size: 2.6rem; }
    .partners-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr; }
    .stat-item { border-right: none !important; border-bottom: 1px solid var(--line); }
    .stat-item:last-child { border-bottom: none; }
    .quick-actions-grid { grid-template-columns: 1fr; }
    .quick-form { padding: 28px 20px; }
    .otp-input { width: 38px; height: 46px; font-size: 1rem; }
  }
/* ════════════════════════════════════════════════════════════
   PHP PAGES — Apply, Track, Thank-You, Legal
   ════════════════════════════════════════════════════════════ */

/* Generic page wrappers */
.apply-page-wrapper,
.track-wrapper,
.ty-wrapper,
.legal-wrapper {
  padding: 120px 0 80px;
  min-height: 60vh;
}

/* ---------- APPLY PAGE ---------- */
.apply-header {
  text-align: center;
  margin-bottom: 36px;
  padding: 48px 24px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--cream);
  border-radius: 24px;
  position: relative;
  overflow: hidden;
}
.apply-header::before {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,162,75,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.apply-header-content { position: relative; z-index: 2; }
.apply-eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.75rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 16px;
}
.apply-eyebrow::before { content: ''; display: block; width: 24px; height: 2px; background: var(--gold); }
.apply-header h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); margin: 0 0 14px; color: var(--cream); }
.apply-header h1 .accent { color: var(--gold); }
.apply-header p { opacity: 0.85; font-size: 1.05rem; max-width: 580px; margin: 0 auto 24px; }
.trust-bar { display: flex; justify-content: center; gap: 24px; margin-top: 24px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; opacity: 0.9; font-weight: 600; }
.trust-item::before { content: '✓'; color: var(--gold); font-weight: 800; }

.process-mini {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 16px; margin-bottom: 32px;
}
.process-step-mini {
  background: var(--cream-soft); border-radius: 16px; padding: 22px 20px;
  text-align: center; border: 1px solid var(--line);
}
.step-num-mini {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 12px; font-weight: 800;
}
.process-step-mini h3 { font-size: 0.95rem; color: var(--navy); margin: 0 0 6px; }
.process-step-mini p { color: var(--muted); font-size: 0.82rem; margin: 0; }

.form-error-box {
  background: #FDECEC; border: 1px solid #E5A1A1; color: #B23B3B;
  padding: 16px 20px; border-radius: 12px; margin-bottom: 24px; font-size: 0.95rem;
}

.apply-form-card {
  background: #fff; border-radius: 20px; padding: 40px;
  border: 1px solid var(--line); box-shadow: var(--shadow-md);
}
.form-section-title {
  font-size: 0.78rem; letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 18px;
  padding-bottom: 10px; border-bottom: 1px solid var(--line);
}
.apply-form-card .form-group label { color: var(--navy); }
.apply-form-card input,
.apply-form-card select {
  background: var(--cream-soft); color: var(--ink); border-color: var(--line);
}
.apply-form-card input:focus,
.apply-form-card select:focus { border-color: var(--navy); background: #fff; }

.consent-box {
  background: var(--cream-soft); border-radius: 12px; padding: 18px;
  margin-top: 24px; border-left: 4px solid var(--gold);
}
.consent-label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.consent-label input { width: auto; margin-top: 4px; flex-shrink: 0; }
.consent-label span { font-size: 0.85rem; color: var(--muted); line-height: 1.5; }
.consent-label a { color: var(--gold); font-weight: 600; }

.docs-notice {
  background: linear-gradient(135deg, var(--cream-soft) 0%, var(--cream) 100%);
  border-left: 4px solid var(--gold); border-radius: 12px;
  padding: 24px 28px; margin: 32px 0;
}
.docs-notice h3 { color: var(--navy); font-size: 1.1rem; margin: 0 0 10px; display: flex; align-items: center; gap: 10px; }
.docs-notice h3::before { content: '💬'; font-size: 1.3rem; }
.docs-notice p { color: var(--muted); font-size: 0.95rem; margin: 0; line-height: 1.6; }
.docs-list { margin: 12px 0 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.docs-list li { background: #fff; padding: 6px 14px; border-radius: 100px; font-size: 0.82rem; color: var(--navy); border: 1px solid var(--line); font-weight: 600; }

.help-section { background: var(--cream-soft); border-radius: 16px; padding: 32px; margin-top: 36px; text-align: center; }
.help-section h3 { color: var(--navy); margin: 0 0 12px; font-size: 1.2rem; }
.help-section p { color: var(--muted); margin: 0 0 20px; font-size: 0.95rem; }
.help-buttons { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }
.help-btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 26px; border-radius: 100px; font-weight: 700; text-decoration: none; font-size: 0.92rem; transition: all 0.3s; }
.help-btn-whatsapp { background: #25D366; color: #fff; }
.help-btn-whatsapp:hover { background: #128C7E; transform: translateY(-2px); }
.help-btn-call { background: var(--navy); color: var(--cream); }
.help-btn-call:hover { background: var(--gold); color: var(--navy); transform: translateY(-2px); }

/* ---------- TRACK PAGE ---------- */
.track-header { text-align: center; margin-bottom: 36px; }
.track-eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.75rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 14px;
}
.track-eyebrow::before { content: ''; display: block; width: 24px; height: 2px; background: var(--gold); }
.track-header h1 { color: var(--navy); margin: 0 0 12px; font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
.track-header h1 .accent { color: var(--gold); }
.track-header p { color: var(--muted); font-size: 1.05rem; }

.track-card { background: #fff; border-radius: 24px; padding: 40px; border: 1px solid var(--line); box-shadow: var(--shadow-md); }
.track-input-group { margin-bottom: 20px; }
.track-input-group label { display: block; font-size: 0.8rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; letter-spacing: 0.05em; }
.track-input-group input { width: 100%; padding: 14px 16px; border: 2px solid var(--line); border-radius: 10px; background: var(--cream-soft); font-family: Arial, sans-serif; font-size: 1rem; box-sizing: border-box; }
.track-input-group input:focus { outline: none; border-color: var(--navy); background: #fff; }

.track-error { background: #FDECEC; border: 1px solid #E5A1A1; color: #B23B3B; padding: 14px 18px; border-radius: 10px; margin-top: 18px; font-size: 0.9rem; }
.track-divider { height: 1px; background: var(--line); margin: 28px 0; }
.track-help-note { text-align: center; color: var(--muted); font-size: 0.9rem; }
.track-contact-row { display: flex; gap: 10px; justify-content: center; margin-top: 14px; flex-wrap: wrap; }
.track-contact-btn { padding: 10px 20px; border-radius: 100px; text-decoration: none; font-weight: 700; font-size: 0.85rem; background: var(--navy); color: var(--cream); transition: all 0.3s; }
.track-contact-btn:hover { background: var(--gold); color: var(--navy); }
.track-contact-btn.whatsapp { background: #25D366; color: #fff; }

.track-result-card { background: var(--cream-soft); border-radius: 16px; padding: 24px; margin-bottom: 24px; }
.tr-id { font-size: 0.75rem; color: var(--gold); font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 8px; }
.tr-applicant { font-size: 1.3rem; color: var(--navy); font-weight: 800; margin-bottom: 4px; }
.tr-meta { color: var(--muted); font-size: 0.9rem; margin-bottom: 16px; }
.tr-status-badge { display: inline-block; padding: 6px 16px; border-radius: 100px; font-size: 0.85rem; font-weight: 700; background: rgba(201,162,75,0.15); color: #9A7B2E; border: 1px solid var(--gold); }

.timeline-heading { color: var(--navy); margin: 0 0 20px; font-size: 1.05rem; }
.track-timeline { padding-left: 8px; }
.timeline-item { position: relative; padding-left: 32px; padding-bottom: 24px; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before { content: ''; position: absolute; left: 0; top: 2px; width: 16px; height: 16px; border-radius: 50%; background: var(--cream); border: 3px solid var(--line); z-index: 2; }
.timeline-item::after { content: ''; position: absolute; left: 7px; top: 18px; bottom: -6px; width: 2px; background: var(--line); }
.timeline-item:last-child::after { display: none; }
.timeline-item.done::before { background: #2D7A4F; border-color: #2D7A4F; }
.timeline-item.done::after { background: #2D7A4F; }
.timeline-item.active::before { background: var(--gold); border-color: var(--gold); animation: pulse-dot 2s infinite; }
@keyframes pulse-dot { 0%,100% { box-shadow: 0 0 0 0 rgba(201,162,75,0.4); } 50% { box-shadow: 0 0 0 8px rgba(201,162,75,0); } }
.timeline-title { font-weight: 700; color: var(--navy); margin-bottom: 2px; font-size: 0.95rem; }
.timeline-status { font-size: 0.8rem; color: var(--muted); }
.timeline-item.pending .timeline-title { color: var(--muted); font-weight: 600; }
.timeline-item.active .timeline-status { color: var(--gold); font-weight: 700; }

.track-rejected { background: var(--cream-soft); border-radius: 12px; padding: 24px; text-align: center; color: var(--muted); }
.track-result-actions { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.track-result-actions .btn { flex: 1; justify-content: center; min-width: 150px; }

/* ---------- THANK YOU PAGE ---------- */
.ty-wrapper { text-align: center; }
.ty-success-icon {
  width: 110px; height: 110px; margin: 0 auto 28px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-bright) 100%);
  color: var(--navy); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 12px 32px rgba(201,162,75,0.35);
  animation: pop-in 0.6s ease-out;
}
@keyframes pop-in { 0% { transform: scale(0); } 60% { transform: scale(1.1); } 100% { transform: scale(1); } }
.ty-wrapper h1 { color: var(--navy); font-size: clamp(2rem, 4.5vw, 3rem); margin: 0 0 14px; }
.ty-lead { color: var(--muted); font-size: 1.15rem; margin: 0 0 32px; }
.ty-id-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--cream); border-radius: 20px; padding: 28px 40px;
  margin: 0 auto 36px; display: inline-block;
}
.ty-id-label { font-size: 0.72rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-bottom: 8px; }
.ty-id-number { font-size: 2rem; font-weight: 800; letter-spacing: 0.1em; margin-bottom: 8px; }
.ty-id-info { font-size: 0.85rem; opacity: 0.7; }
.ty-steps { background: var(--cream-soft); border-radius: 24px; padding: 40px; text-align: left; margin-bottom: 36px; border: 1px solid var(--line); }
.ty-steps h3 { color: var(--navy); margin: 0 0 24px; text-align: center; font-size: 1.3rem; }
.ty-step { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 22px; }
.ty-step:last-child { margin-bottom: 0; }
.ty-step-num { width: 38px; height: 38px; background: var(--navy); color: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; flex-shrink: 0; }
.ty-step-title { color: var(--navy); font-weight: 700; margin-bottom: 4px; }
.ty-step-text { color: var(--muted); font-size: 0.92rem; line-height: 1.6; }
.ty-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 24px; }
.ty-tip { background: rgba(201,162,75,0.08); border-left: 3px solid var(--gold); padding: 16px 20px; border-radius: 10px; text-align: left; color: var(--muted); font-size: 0.92rem; line-height: 1.6; max-width: 600px; margin: 0 auto; }
.ty-tip strong { color: #9A7B2E; }

/* ---------- LEGAL PAGES ---------- */
.legal-header { margin-bottom: 40px; padding-bottom: 24px; border-bottom: 2px solid var(--line); }
.legal-eyebrow { font-size: 0.75rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-bottom: 12px; }
.legal-header h1 { color: var(--navy); margin: 0 0 8px; }
.legal-updated { color: var(--muted); font-size: 0.9rem; }
.legal-content { color: #3A3F4C; line-height: 1.7; }
.legal-content h2 { color: var(--navy); font-size: 1.2rem; margin: 28px 0 10px; }
.legal-content p { margin: 0 0 14px; font-size: 0.95rem; }
.legal-footer-note { margin-top: 28px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 0.85rem; color: var(--muted); font-style: italic; }

/* ---------- MOBILE for PHP pages ---------- */
@media (max-width: 700px) {
  .apply-page-wrapper, .track-wrapper, .ty-wrapper, .legal-wrapper { padding: 100px 0 60px; }
  .apply-header { padding: 32px 20px; }
  .process-mini { grid-template-columns: 1fr; }
  .apply-form-card { padding: 28px 22px; }
  .track-card { padding: 28px 22px; }
  .ty-steps { padding: 28px 22px; }
  .ty-id-box { padding: 22px 28px; }
  .ty-id-number { font-size: 1.6rem; }
  .ty-actions { flex-direction: column; }
  .ty-actions .btn { width: 100%; justify-content: center; }
  .track-result-actions { flex-direction: column; }
}