/* A2Z Associates & Developers — base design system (shared by site + panels) */
:root{
  --navy:#0A1A3A;--navy-2:#122A55;--navy-3:#1B3A6B;--navy-soft:#24427A;
  --gold:#C9A227;--gold-2:#E3C565;--gold-3:#F3E4AE;--gold-deep:#9C7A12;
  --ivory:#FAF7F0;--paper:#FFFFFF;--cream:#F4EFE3;
  --ink:#141D33;--ink-2:#2B3650;--muted:#6B7386;--line:#E7E1D3;--line-2:#D8D0BC;
  --red:#B3261E;--green:#1C7C4E;--amber:#B7791F;--blue:#1D4ED8;
  --shadow:0 10px 30px rgba(10,26,58,.10);--shadow-2:0 20px 60px rgba(10,26,58,.18);
  --r:14px;--r-sm:9px;--r-lg:22px;
  --font-body:'DM Sans','Noto Sans Devanagari',system-ui,-apple-system,Segoe UI,sans-serif;
  --font-display:'DM Serif Display','Noto Serif Devanagari',Georgia,'Times New Roman',serif;
  --gold-grad:linear-gradient(135deg,#F3E4AE 0%,#D9B54A 35%,#B8901B 60%,#E3C565 100%);
  --navy-grad:linear-gradient(160deg,#0A1A3A 0%,#122A55 55%,#1B3A6B 100%);
}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--ivory);line-height:1.6;font-size:15.5px}
img{max-width:100%;display:block}a{color:var(--navy-2);text-decoration:none}a:hover{color:var(--gold-deep)}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:700;letter-spacing:.005em}
h1{font-size:clamp(2.1rem,4.5vw,3.6rem)}h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}h3{font-size:1.45rem}h4{font-size:1.15rem}
p{margin:0 0 1em}.muted{color:var(--muted)}.small{font-size:.86rem}.tiny{font-size:.78rem}.center{text-align:center}
.hi{font-family:'Noto Sans Devanagari',var(--font-body)}
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.74rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);font-weight:700}
.eyebrow::before{content:"";width:28px;height:1px;background:var(--gold)}
.ic{width:1.15em;height:1.15em;vertical-align:-.22em;flex:none}
.container{width:min(1200px,100% - 32px);margin-inline:auto}
.grid{display:grid;gap:22px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.flex{display:flex;gap:12px;align-items:center}.between{justify-content:space-between}.wrap{flex-wrap:wrap}.col{flex-direction:column}
.mt0{margin-top:0}.mt1{margin-top:12px}.mt2{margin-top:24px}.mt3{margin-top:40px}.mb0{margin-bottom:0}.mb1{margin-bottom:12px}.mb2{margin-bottom:24px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.78rem 1.45rem;border-radius:999px;font-weight:700;font-size:.92rem;border:1.5px solid transparent;cursor:pointer;transition:.22s;line-height:1.2;font-family:inherit;white-space:nowrap}
.btn-gold{background:var(--gold-grad);color:var(--navy);box-shadow:0 8px 22px rgba(201,162,39,.35)}.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(201,162,39,.45);color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-3);color:#fff;transform:translateY(-2px)}
.btn-outline{border-color:var(--gold);color:var(--navy)}.btn-outline:hover{background:var(--gold);color:var(--navy)}
.btn-light{border-color:rgba(255,255,255,.45);color:#fff}.btn-light:hover{background:#fff;color:var(--navy)}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#8f1d17;color:#fff}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:#155f3b;color:#fff}
.btn-ghost{background:var(--cream);color:var(--navy)}.btn-ghost:hover{background:var(--line)}
.btn-sm{padding:.48rem .95rem;font-size:.8rem}.btn-lg{padding:1rem 2rem;font-size:1rem}.btn-block{width:100%}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none}
/* cards */
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:0 2px 10px rgba(10,26,58,.04)}
.card-gold{border-top:3px solid var(--gold)}.card h3{margin-bottom:.35em}
.card-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--line)}
.card-head h3,.card-head h4{margin:0}
/* forms */
label{display:block;font-weight:600;font-size:.86rem;margin-bottom:.35rem;color:var(--ink-2)}
.input,input[type=text],input[type=url],input[type=search],input[type=email],input[type=password],input[type=tel],input[type=number],input[type=date],input[type=time],input[type=file],select,textarea{width:100%;padding:.72rem .9rem;border:1.5px solid var(--line-2);border-radius:var(--r-sm);background:#fff;font:inherit;color:var(--ink);transition:.2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,162,39,.15)}
textarea{min-height:110px;resize:vertical}.field{margin-bottom:16px}.help{font-size:.78rem;color:var(--muted);margin-top:.3rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:620px){.form-row{grid-template-columns:1fr}}
.check{display:flex;gap:.6rem;align-items:flex-start;font-weight:500;font-size:.88rem}.check input{width:auto;margin-top:.25rem}
/* alerts, badges, tables */
.alert{padding:.85rem 1.1rem;border-radius:var(--r-sm);margin-bottom:18px;font-size:.92rem;border:1px solid;display:flex;gap:.6rem;align-items:flex-start}
.alert-success{background:#ecf8f1;border-color:#bfe5cf;color:#155f3b}.alert-error,.alert-danger{background:#fdeeed;border-color:#f3c5c2;color:#8f1d17}
.alert-info{background:#edf2fc;border-color:#c7d6f4;color:#1e3a8a}.alert-warning{background:#fff7e6;border-color:#f4ddb0;color:#8a5a0b}
.badge{display:inline-block;padding:.22rem .62rem;border-radius:999px;font-size:.72rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase}
.badge-success{background:#e3f4ea;color:#155f3b}.badge-warning{background:#fff1d6;color:#8a5a0b}.badge-info{background:#e5edfb;color:#1e3a8a}
.badge-danger{background:#fbe3e1;color:#8f1d17}.badge-muted{background:#eceef2;color:#4b5565}.badge-gold{background:var(--gold-3);color:var(--gold-deep)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
table.table{width:100%;border-collapse:collapse;font-size:.9rem}
.table th{text-align:left;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);background:var(--cream);padding:.8rem .9rem;border-bottom:1px solid var(--line);white-space:nowrap}
.table td{padding:.78rem .9rem;border-bottom:1px solid var(--line);vertical-align:middle}.table tr:last-child td{border-bottom:0}.table tbody tr:hover{background:#fcfaf4}
.table .r{text-align:right}.table .amt{font-variant-numeric:tabular-nums;font-weight:700;color:var(--navy)}.table .pos{color:var(--green)}.table .neg{color:var(--red)}
.pager{display:flex;gap:6px;margin-top:16px}.pager a{padding:.4rem .8rem;border:1px solid var(--line);border-radius:8px;background:#fff;font-size:.85rem}.pager a.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.empty{padding:40px 20px;text-align:center;color:var(--muted)}.empty .ic{width:40px;height:40px;color:var(--line-2);margin:0 auto 10px}
/* stats */
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;position:relative;overflow:hidden}
.stat::after{content:"";position:absolute;inset:auto -20px -30px auto;width:110px;height:110px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.16),transparent 70%)}
.stat .lbl{font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
.stat .val{font-family:var(--font-display);font-size:1.9rem;font-weight:700;color:var(--navy);line-height:1.1;margin-top:4px;font-variant-numeric:tabular-nums}
.stat .sub{font-size:.8rem;color:var(--muted);margin-top:4px}.stat .ic-box{position:absolute;right:16px;top:16px;width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--gold-3);color:var(--gold-deep)}
.stat.navy{background:var(--navy-grad);border-color:transparent;color:#fff}.stat.navy .val,.stat.navy .lbl,.stat.navy .sub{color:#fff}.stat.navy .lbl{color:var(--gold-2)}
.stat.gold{background:var(--gold-grad);border-color:transparent}.stat.gold .ic-box{background:rgba(255,255,255,.4);color:var(--navy)}
/* misc */
.gold-rule{height:3px;width:64px;background:var(--gold-grad);border-radius:2px;margin:14px 0 22px}
.hr{border:0;border-top:1px solid var(--line);margin:22px 0}
.kv{display:grid;grid-template-columns:max-content 1fr;gap:8px 18px;font-size:.92rem}.kv dt{color:var(--muted);font-weight:600}.kv dd{margin:0;font-weight:600;color:var(--ink)}
.pill-list{display:flex;flex-wrap:wrap;gap:8px}.pill{padding:.35rem .8rem;border:1px solid var(--line-2);border-radius:999px;font-size:.82rem;background:#fff}
.copy-box{display:flex;gap:8px}.copy-box input{flex:1;font-size:.9rem;background:var(--cream)}
.progress{height:9px;background:var(--cream);border-radius:99px;overflow:hidden}.progress>span{display:block;height:100%;background:var(--gold-grad);border-radius:99px}
.seal{width:92px;height:92px;border-radius:50%;object-fit:cover;box-shadow:0 6px 18px rgba(0,0,0,.25)}
.modal{position:fixed;inset:0;background:rgba(10,26,58,.75);display:none;align-items:center;justify-content:center;z-index:200;padding:16px;backdrop-filter:blur(3px)}.modal.open{display:flex}
.modal .box{background:#fff;border-radius:var(--r-lg);max-width:640px;width:100%;padding:34px;max-height:90vh;overflow:auto;border-top:4px solid var(--gold)}
.tabs{display:flex;gap:4px;border-bottom:1px solid var(--line);margin-bottom:18px;overflow:auto}.tabs a{padding:.6rem 1rem;font-weight:600;font-size:.88rem;color:var(--muted);border-bottom:2px solid transparent;margin-bottom:-1px;white-space:nowrap}.tabs a.on{color:var(--navy);border-color:var(--gold)}
@media print{.no-print{display:none!important}body{background:#fff}}
/* grid children must be allowed to shrink below intrinsic image width (mobile overflow guard) */
.grid>*,.hero .container>*,.adv-wrap>*,.auth>*,.steps>*,.why>*,.band .container>*,.trust-strip .container>*,footer .top>*{min-width:0}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media(max-width:980px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:minmax(0,1fr)}}

/* keep short date/amount cells on one line */
.table td:has(> .nowrap),.table .nowrap{white-space:nowrap}
.table td{overflow-wrap:normal}
/* ---------- App install (PWA / APK) ---------- */
.pwa-sheet{position:fixed;inset:0;z-index:300;background:rgba(10,26,58,0);display:flex;align-items:flex-end;justify-content:center;padding:16px;transition:background .3s;pointer-events:none}
.pwa-sheet.on{background:rgba(10,26,58,.55);pointer-events:auto;backdrop-filter:blur(2px)}
.pwa-card{position:relative;width:100%;max-width:460px;background:#fff;border-radius:22px 22px 18px 18px;padding:24px 22px 18px;box-shadow:0 -10px 50px rgba(10,26,58,.35);border-top:4px solid var(--gold);transform:translateY(110%);transition:transform .35s cubic-bezier(.2,.8,.2,1)}
.pwa-sheet.on .pwa-card{transform:none}
@media(min-width:900px){.pwa-sheet{align-items:flex-end;justify-content:flex-end;padding:24px}.pwa-card{border-radius:18px}}
.pwa-x{position:absolute;right:12px;top:10px;background:none;border:0;font-size:1.6rem;line-height:1;color:var(--muted);cursor:pointer;padding:4px 8px}
.pwa-head{display:flex;gap:14px;align-items:center;margin-bottom:12px}.pwa-head img{width:62px;height:62px;border-radius:16px;box-shadow:0 6px 18px rgba(0,0,0,.25);background:#000}
.pwa-head h3{margin:2px 0 2px;font-size:1.45rem}.pwa-eyebrow{font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);font-weight:800}
.pwa-hi{font-size:.82rem;color:var(--navy-3);font-weight:600}
.pwa-perks{list-style:none;padding:0;margin:0 0 14px;display:grid;gap:7px}.pwa-perks li{padding-left:24px;position:relative;font-size:.9rem;color:var(--ink-2)}
.pwa-perks li::before{content:"";position:absolute;left:2px;top:.45em;width:12px;height:7px;border-left:2px solid var(--green);border-bottom:2px solid var(--green);transform:rotate(-45deg)}
.pwa-steps{margin:0 0 14px;padding-left:20px;display:grid;gap:8px;font-size:.9rem}.pwa-steps svg{vertical-align:-4px;color:var(--blue)}
.pwa-btns{display:flex;flex-wrap:wrap;gap:8px}.pwa-btns .btn{flex:1 1 auto}.pwa-btns small{font-weight:600;opacity:.75}
.pwa-note{font-size:.74rem;color:var(--muted);margin:12px 0 0}
.pwa-toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,30px);opacity:0;background:var(--navy);color:#fff;padding:.8rem 1.2rem;border-radius:12px;font-size:.88rem;z-index:310;box-shadow:var(--shadow-2);transition:.35s;border-left:3px solid var(--gold);max-width:calc(100% - 32px)}
.pwa-toast.on{transform:translate(-50%,0);opacity:1}
html.is-app [data-install],html.is-app .hide-in-app{display:none!important}
/* app promo blocks */
.app-promo{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:40px;align-items:center}
@media(max-width:860px){.app-promo{grid-template-columns:minmax(0,1fr)}}
.phone{width:250px;max-width:100%;margin:auto;aspect-ratio:9/18.5;border-radius:38px;background:#0b0f1c;padding:11px;box-shadow:0 30px 70px rgba(10,26,58,.45),inset 0 0 0 2px #2a3350;position:relative}
.phone::before{content:"";position:absolute;top:18px;left:50%;transform:translateX(-50%);width:70px;height:18px;border-radius:12px;background:#0b0f1c;z-index:2}
.phone .scr{width:100%;height:100%;border-radius:28px;overflow:hidden;background:var(--navy-grad);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;text-align:center;color:#fff;padding:20px}
.phone .scr img{width:96px;height:96px;border-radius:50%;box-shadow:0 8px 24px rgba(0,0,0,.4)}.phone .scr b{font-family:var(--font-display);font-size:1.35rem}.phone .scr span{font-size:.72rem;color:var(--gold-2);letter-spacing:.14em;text-transform:uppercase;font-weight:700}
.phone .scr .mini{display:grid;grid-template-columns:1fr 1fr;gap:8px;width:100%;margin-top:8px}.phone .scr .mini i{display:block;font-style:normal;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:9px 6px;font-size:.66rem;color:#dfe6f3}
.app-card{background:var(--navy-grad);color:#fff;border-radius:var(--r-lg);padding:22px;display:flex;gap:16px;align-items:center;position:relative;overflow:hidden}
.app-card::after{content:"";position:absolute;right:-40px;top:-40px;width:160px;height:160px;border-radius:50%;border:26px solid rgba(201,162,39,.14)}
.app-card img{width:58px;height:58px;border-radius:14px;flex:none;background:#000}.app-card b{display:block;font-family:var(--font-display);font-size:1.3rem}.app-card p{margin:2px 0 0;color:#cdd6e6;font-size:.85rem}
.app-card .btn{margin-left:auto;position:relative;z-index:1}
@media(max-width:620px){.app-card{flex-wrap:wrap}.app-card .btn{margin-left:0;width:100%}}

/* ---------- i18n ---------- */
.lang-sw{display:inline-flex;align-items:center;flex:none;border-radius:999px;padding:2px;font-size:.72rem;font-weight:800;line-height:1;letter-spacing:.04em;white-space:nowrap}
.lang-sw a{display:inline-block;padding:.32rem .62rem;border-radius:999px;text-decoration:none;transition:background .2s,color .2s}
.lang-sw a[lang=hi]{font-family:'Noto Sans Devanagari',var(--font-body);font-size:.8rem;padding-block:.24rem}
.lang-sw i{display:none}
.lang-sw-site{border:1px solid rgba(227,197,101,.55);background:rgba(255,255,255,.04)}
.topbar .lang-sw-site a{color:#e9edf5}.topbar .lang-sw-site a:hover{color:var(--gold-2)}
.topbar .lang-sw-site a.on,.lang-sw-site a.on{background:var(--gold);color:var(--navy)}
.lang-sw-panel{border:1px solid var(--line-2);background:#f8f5ec;margin-left:auto}
.lang-sw-panel a{color:var(--ink-2)}.lang-sw-panel a:hover{color:var(--navy)}
.lang-sw-panel a.on{background:var(--navy);color:#fff}
html.i18n-pending body{visibility:hidden}
/* Hindi typography: Devanagari needs room for matras; tracking breaks conjuncts */
html[lang=hi] body{line-height:1.75}
html[lang=hi] h1,html[lang=hi] h2,html[lang=hi] h3,html[lang=hi] h4{line-height:1.38;letter-spacing:0}
html[lang=hi] body *{letter-spacing:normal!important}
html[lang=hi] .eyebrow,html[lang=hi] .pwa-eyebrow,html[lang=hi] footer h4{letter-spacing:.04em!important;text-transform:none}
html[lang=hi] .btn{line-height:1.35}
html[lang=hi] .brand .t1{letter-spacing:.01em!important}
/* declaration box (registration, add-fund, terms) */
.decl{background:var(--cream);border:1px solid var(--line-2);border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;margin:18px 0}
.decl-t{display:block;letter-spacing:.14em;font-size:.78rem;color:var(--gold-deep)}.decl-p{margin:6px 0 6px;font-weight:600}
.decl-l{margin:0 0 12px;padding-left:20px;font-size:.88rem;line-height:1.55}.decl-l li{margin-bottom:6px}.decl-c{margin:0;font-size:.9rem}