:root{
    --red:        #E31E24;
    --red-deep:   #7A0E14;
    --ink:        #131313;
    --ink-soft:   #2A2A2C;
    --paper:      #FFFFFF;
    --paper-alt:  #F3F1EE;
    --grey:       #63636A;
    --grey-line:  #E4E1DC;
    --radius:     2px;
    --ease: cubic-bezier(.22,.68,.18,1);
  }

  *{box-sizing:border-box; margin:0; padding:0;}

  html{scroll-behavior:smooth;}

  body{
    font-family:'Inter', sans-serif;
    color:var(--ink);
    background:var(--paper);
    overflow-x:hidden;
    -webkit-font-smoothing:antialiased;
  }

  img{max-width:100%; display:block;}

  h1,h2,h3,h4{
    font-family:'Big Shoulders Display', sans-serif;
    text-transform:uppercase;
    line-height:0.92;
    letter-spacing:0.01em;
    font-weight:800;
  }

  a{color:inherit; text-decoration:none;}

  .eyebrow{
    font-family:'Inter', sans-serif;
    font-size:12.5px;
    font-weight:700;
    letter-spacing:0.22em;
    text-transform:uppercase;
    color:var(--red);
    display:flex;
    align-items:center;
    gap:10px;
  }
  .eyebrow::before{
    content:'';
    width:26px; height:2px;
    background:var(--red);
    display:inline-block;
  }

  .wrap{
    max-width:1180px;
    margin:0 auto;
    padding:0 32px;
  }

  section{position:relative;}

  /* ---------- reveal-on-scroll ---------- */
  .reveal{
    opacity:0;
    transform:translateY(28px);
    transition:opacity .8s var(--ease), transform .8s var(--ease);
  }
  .reveal.in-view{opacity:1; transform:translateY(0);}
  .reveal-delay-1{transition-delay:.08s;}
  .reveal-delay-2{transition-delay:.16s;}
  .reveal-delay-3{transition-delay:.24s;}
  .reveal-delay-4{transition-delay:.32s;}

  @media (prefers-reduced-motion: reduce){
    .reveal{opacity:1; transform:none; transition:none;}
    *{animation:none !important; scroll-behavior:auto !important;}
  }

  /* ---------- roofline divider (signature element) ---------- */
  .roofline{
    width:100%;
    display:block;
    overflow:hidden;
  }
  .roofline path{
    fill:none;
    stroke:var(--red);
    stroke-width:3;
    stroke-linecap:square;
    stroke-linejoin:miter;
    stroke-dasharray:2600;
    stroke-dashoffset:2600;
    transition:stroke-dashoffset 1.6s var(--ease);
  }
  .roofline.in-view path{stroke-dashoffset:0;}

  /* ================= NAV ================= */
  header{
    position:fixed;
    top:0; left:0; right:0;
    z-index:100;
    background:rgba(255,255,255,0.94);
    backdrop-filter:blur(8px);
    border-bottom:1px solid transparent;
    transition:border-color .3s var(--ease), padding .3s var(--ease);
  }
  header.scrolled{
    border-bottom:1px solid var(--grey-line);
  }
  .nav-inner{
    max-width:1180px;
    margin:0 auto;
    padding:18px 32px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    transition:padding .3s var(--ease);
  }
  header.scrolled .nav-inner{padding:12px 32px;}

  .brand{
    display:flex;
    align-items:center;
    gap:10px;
  }
  .brand img{height:34px; width:auto;}
  .brand-text{
    font-family:'Big Shoulders Display', sans-serif;
    font-weight:800;
    font-size:15px;
    letter-spacing:0.03em;
    line-height:1;
  }
  .brand-text span{display:block; color:var(--grey); font-size:9px; font-weight:600; letter-spacing:0.18em; margin-top:2px;}

  nav.links{
    display:flex;
    gap:36px;
    align-items:center;
  }
  nav.links a{
    font-size:13px;
    font-weight:600;
    letter-spacing:0.03em;
    color:var(--ink-soft);
    position:relative;
    padding:4px 0;
  }
  nav.links a::after{
    content:'';
    position:absolute;
    left:0; bottom:0;
    width:0; height:2px;
    background:var(--red);
    transition:width .3s var(--ease);
  }
  nav.links a:hover::after{width:100%;}

  .nav-cta{
    display:flex;
    align-items:center;
    gap:18px;
  }
  .btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    font-size:13px;
    font-weight:700;
    letter-spacing:0.03em;
    padding:12px 22px;
    border-radius:var(--radius);
    transition:transform .25s var(--ease), background .25s var(--ease), color .25s var(--ease), box-shadow .25s var(--ease);
    white-space:nowrap;
  }
  .btn-primary{
    background:var(--ink);
    color:#fff;
  }
  .btn-primary:hover{background:var(--red); transform:translateY(-2px);}
  .btn-outline{
    background:transparent;
    color:var(--ink);
    border:1.5px solid var(--ink);
  }
  .btn-outline:hover{border-color:var(--red); color:var(--red); transform:translateY(-2px);}
  .btn-red{
    background:var(--red);
    color:#fff;
  }
  .btn-red:hover{background:var(--red-deep); transform:translateY(-2px);}

  .menu-toggle{display:none;}

  /* ================= HERO ================= */
  .hero{
    padding:168px 0 0;
    position:relative;
    background:var(--paper);
  }
  .hero-grid{
    display:grid;
    grid-template-columns:1.15fr 0.85fr;
    gap:40px;
    align-items:center;
  }
  .hero-copy .eyebrow{margin-bottom:22px;}
  .hero h1{
    font-size:clamp(46px, 6.4vw, 92px);
    color:var(--ink);
  }
  .hero h1 em{
    font-style:normal;
    color:var(--red);
  }
  .hero-line{
    display:block;
    overflow:hidden;
  }
  .hero-line span{
    display:block;
    transform:translateY(110%);
    animation:lineUp .9s var(--ease) forwards;
  }
  .hero-line:nth-child(1) span{animation-delay:.15s;}
  .hero-line:nth-child(2) span{animation-delay:.28s;}
  .hero-line:nth-child(3) span{animation-delay:.41s;}
  @keyframes lineUp{to{transform:translateY(0);}}

  .hero-tagline{
    font-family:'Big Shoulders Display', sans-serif;
    font-weight:600;
    font-style:normal;
    font-size:22px;
    color:var(--red-deep);
    margin-top:26px;
    max-width:520px;
    opacity:0;
    animation:fadeUp .8s var(--ease) forwards;
    animation-delay:.6s;
  }
  .hero-sub{
    font-size:16px;
    line-height:1.7;
    color:var(--grey);
    max-width:480px;
    margin-top:18px;
    opacity:0;
    animation:fadeUp .8s var(--ease) forwards;
    animation-delay:.72s;
  }
  @keyframes fadeUp{
    from{opacity:0; transform:translateY(16px);}
    to{opacity:1; transform:translateY(0);}
  }
  .hero-ctas{
    display:flex;
    gap:16px;
    margin-top:36px;
    opacity:0;
    animation:fadeUp .8s var(--ease) forwards;
    animation-delay:.84s;
  }

  .hero-visual{
    position:relative;
    opacity:0;
    animation:fadeUp 1s var(--ease) forwards;
    animation-delay:.4s;
  }
  .hero-visual-inner{
    position:relative;
    max-width:400px;
    margin-left:auto;
  }
  .roof-shape{
    position:absolute;
    inset:-24px -24px auto auto;
    top:-28px; right:-28px;
    width:88%;
    height:78%;
    background:var(--red);
    clip-path:polygon(50% 0%, 100% 38%, 100% 100%, 0% 100%, 0% 38%);
    z-index:0;
  }
  .hero-photo{
    position:relative;
    z-index:1;
    width:100%;
    display:block;
    filter:drop-shadow(10px 12px 0 var(--ink));
  }
  .hero-badge{
    position:absolute;
    bottom:-22px;
    left:-28px;
    background:var(--ink);
    color:#fff;
    padding:14px 20px;
    z-index:2;
    max-width:230px;
    box-shadow:0 12px 30px rgba(0,0,0,.25);
  }
  .hero-badge strong{
    display:block;
    font-family:'Big Shoulders Display', sans-serif;
    font-size:15px;
    text-transform:uppercase;
    letter-spacing:.02em;
    color:var(--red);
    margin-bottom:2px;
  }
  .hero-badge span{
    font-size:12px;
    color:#cfcfcf;
    line-height:1.4;
    display:block;
  }

  /* ================= MARQUEE STRIP ================= */
  .strip{
    background:var(--ink);
    color:#fff;
    padding:14px 0;
    overflow:hidden;
    white-space:nowrap;
    margin-top:70px;
  }
  .strip-track{
    display:inline-flex;
    gap:48px;
    animation:marquee 26s linear infinite;
  }
  .strip-track span{
    font-family:'Big Shoulders Display', sans-serif;
    font-weight:700;
    font-size:15px;
    letter-spacing:0.08em;
    text-transform:uppercase;
    color:#e8e6e2;
    display:inline-flex;
    align-items:center;
    gap:48px;
  }
  .strip-track span::after{
    content:'—';
    color:var(--red);
    margin-left:48px;
  }
  @keyframes marquee{
    from{transform:translateX(0);}
    to{transform:translateX(-50%);}
  }

  /* ================= SECTION HEADS ================= */
  .section{padding:110px 0;}
  .section-alt{background:var(--paper-alt);}
  .section-head{
    display:flex;
    justify-content:space-between;
    align-items:flex-end;
    gap:40px;
    margin-bottom:64px;
    flex-wrap:wrap;
  }
  .section-head h2{
    font-size:clamp(34px,4.4vw,56px);
    margin-top:14px;
    max-width:640px;
  }
  .section-head p{
    font-size:15px;
    color:var(--grey);
    max-width:360px;
    line-height:1.7;
    padding-bottom:6px;
  }

  /* ================= SERVICES ================= */
  .services-grid{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:1px;
    background:var(--grey-line);
    border:1px solid var(--grey-line);
  }
  .service-card{
    background:var(--paper);
    padding:38px 32px;
    transition:background .3s var(--ease), transform .3s var(--ease);
    position:relative;
  }
  .service-card:hover{
    background:var(--ink);
    transform:translateY(-4px);
  }
  .service-card:hover .service-num,
  .service-card:hover h3,
  .service-card:hover p{color:#fff;}
  .service-card:hover .service-icon svg{stroke:var(--red);}
  .service-num{
    font-family:'Big Shoulders Display', sans-serif;
    font-size:13px;
    font-weight:700;
    color:var(--red);
    letter-spacing:.05em;
    transition:color .3s var(--ease);
  }
  .service-icon{
    width:42px; height:42px;
    margin:20px 0 18px;
  }
  .service-icon svg{
    width:100%; height:100%;
    stroke:var(--ink);
    stroke-width:1.6;
    fill:none;
    transition:stroke .3s var(--ease);
  }
  .service-card h3{
    font-size:22px;
    margin-bottom:10px;
    transition:color .3s var(--ease);
  }
  .service-card p{
    font-size:14px;
    color:var(--grey);
    line-height:1.65;
    transition:color .3s var(--ease);
  }

  /* ================= WHY BROKER ================= */
  .why-grid{
    display:grid;
    grid-template-columns:repeat(2, 1fr);
    gap:2px;
  }
  .why-item{
    display:flex;
    gap:22px;
    padding:30px 8px;
    border-bottom:1px solid var(--grey-line);
  }
  .why-item:nth-child(odd){border-right:1px solid var(--grey-line); padding-right:36px;}
  .why-item:nth-child(even){padding-left:36px;}
  .why-mark{
    font-family:'Big Shoulders Display', sans-serif;
    font-size:34px;
    font-weight:800;
    color:var(--red);
    line-height:1;
    min-width:48px;
  }
  .why-item h4{
    font-size:18px;
    text-transform:none;
    font-family:'Inter',sans-serif;
    font-weight:700;
    margin-bottom:8px;
    letter-spacing:0;
  }
  .why-item p{
    font-size:14px;
    color:var(--grey);
    line-height:1.65;
  }

  /* ================= ABOUT ================= */
  .about{
    display:grid;
    grid-template-columns:0.8fr 1.2fr;
    gap:70px;
    align-items:center;
  }
  .about-photo-wrap{
    position:relative;
  }
  .about-photo-wrap img{
    width:100%;
    display:block;
    filter:grayscale(100%) contrast(1.05);
  }
  .about-photo-frame{
    position:absolute;
    top:18px; left:18px;
    width:100%; height:100%;
    border:2px solid var(--red);
    z-index:-1;
  }
  .about-copy .eyebrow{margin-bottom:20px;}
  .about-copy h2{font-size:clamp(30px,3.6vw,44px); margin-bottom:24px;}
  .about-copy p{
    font-size:15.5px;
    line-height:1.8;
    color:var(--ink-soft);
    margin-bottom:18px;
    max-width:560px;
  }
  .about-stats{
    display:flex;
    gap:40px;
    margin-top:32px;
    padding-top:32px;
    border-top:1px solid var(--grey-line);
  }
  .about-stat strong{
    display:block;
    font-family:'Big Shoulders Display', sans-serif;
    font-size:30px;
    color:var(--red);
  }
  .about-stat span{
    font-size:12.5px;
    color:var(--grey);
    letter-spacing:.03em;
  }

  /* ================= EMI CALCULATOR ================= */
  .calc-wrap{
    display:grid;
    grid-template-columns:1.1fr 0.9fr;
    gap:0;
    background:var(--ink);
    color:#fff;
    border-radius:var(--radius);
    overflow:hidden;
  }
  .calc-inputs{
    padding:56px 48px;
  }
  .calc-field{
    margin-bottom:30px;
  }
  .calc-field:last-child{margin-bottom:0;}
  .calc-label{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    font-size:12.5px;
    font-weight:700;
    letter-spacing:0.1em;
    text-transform:uppercase;
    color:#a9a7a2;
    margin-bottom:12px;
  }
  .calc-label span.calc-value{
    font-family:'Big Shoulders Display', sans-serif;
    font-size:20px;
    font-weight:700;
    color:var(--red);
    letter-spacing:0;
    text-transform:none;
  }
  .calc-select{
    width:100%;
    background:#1f1f1f;
    border:1.5px solid #3a3a3a;
    color:#fff;
    padding:14px 16px;
    font-family:'Inter', sans-serif;
    font-size:15px;
    font-weight:600;
    border-radius:var(--radius);
    appearance:none;
    -webkit-appearance:none;
    background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='%23E31E24' d='M7 10l5 5 5-5z'/></svg>");
    background-repeat:no-repeat;
    background-position:right 14px center;
    background-size:20px;
    cursor:pointer;
    transition:border-color .25s;
  }
  .calc-select:focus{outline:none; border-color:var(--red);}
  .calc-amount-row{
    display:flex;
    align-items:center;
    background:#1f1f1f;
    border:1.5px solid #3a3a3a;
    border-radius:var(--radius);
    overflow:hidden;
    transition:border-color .25s;
  }
  .calc-amount-row:focus-within{border-color:var(--red);}
  .calc-amount-row span{
    padding:14px 4px 14px 16px;
    font-family:'Big Shoulders Display', sans-serif;
    font-size:18px;
    color:#a9a7a2;
  }
  .calc-amount-row input[type="number"]{
    flex:1;
    background:transparent;
    border:none;
    color:#fff;
    padding:14px 16px 14px 4px;
    font-family:'Inter', sans-serif;
    font-size:15px;
    font-weight:600;
    width:100%;
  }
  .calc-amount-row input[type="number"]:focus{outline:none;}
  .calc-slider{
    -webkit-appearance:none;
    appearance:none;
    width:100%;
    height:4px;
    border-radius:4px;
    background:#3a3a3a;
    outline:none;
    cursor:pointer;
  }
  .calc-slider::-webkit-slider-thumb{
    -webkit-appearance:none;
    appearance:none;
    width:20px;
    height:20px;
    border-radius:50%;
    background:var(--red);
    border:3px solid #fff;
    cursor:pointer;
    box-shadow:0 2px 6px rgba(0,0,0,.4);
  }
  .calc-slider::-moz-range-thumb{
    width:20px;
    height:20px;
    border-radius:50%;
    background:var(--red);
    border:3px solid #fff;
    cursor:pointer;
    box-shadow:0 2px 6px rgba(0,0,0,.4);
  }
  .calc-range-labels{
    display:flex;
    justify-content:space-between;
    font-size:11px;
    color:#6f6d69;
    margin-top:8px;
    letter-spacing:.03em;
  }
  .calc-result{
    background:var(--red);
    padding:56px 48px;
    display:flex;
    flex-direction:column;
    justify-content:center;
    position:relative;
    overflow:hidden;
  }
  .calc-result::before{
    content:'';
    position:absolute;
    bottom:-30%; left:-10%;
    width:320px; height:320px;
    background:rgba(255,255,255,.08);
    border-radius:50%;
  }
  .calc-result-label{
    font-size:12.5px;
    font-weight:700;
    letter-spacing:0.14em;
    text-transform:uppercase;
    color:#ffd7d9;
    margin-bottom:10px;
    position:relative;
  }
  .calc-emi{
    font-family:'Big Shoulders Display', sans-serif;
    font-size:clamp(48px,6vw,68px);
    color:#fff;
    line-height:0.95;
    position:relative;
    margin-bottom:6px;
  }
  .calc-emi span{font-size:0.4em; vertical-align:4px; opacity:.8;}
  .calc-emi-sub{
    font-size:13px;
    color:#ffe3e4;
    margin-bottom:32px;
    position:relative;
  }
  .calc-breakdown{
    position:relative;
    display:flex;
    flex-direction:column;
    gap:14px;
    padding-top:24px;
    border-top:1px solid rgba(255,255,255,.25);
  }
  .calc-breakdown-row{
    display:flex;
    justify-content:space-between;
    font-size:14px;
  }
  .calc-breakdown-row span:first-child{color:#ffd7d9;}
  .calc-breakdown-row span:last-child{
    font-family:'Big Shoulders Display', sans-serif;
    font-weight:700;
    font-size:16px;
    color:#fff;
  }
  .calc-disclaimer{
    font-size:11.5px;
    color:#a9a7a2;
    margin-top:24px;
    line-height:1.6;
  }
  @media (max-width:900px){
    .calc-wrap{grid-template-columns:1fr;}
    .calc-inputs, .calc-result{padding:40px 28px;}
  }

  /* ================= LOGO PARTNER STRIP ================= */
  .partner{
    padding:70px 0;
    text-align:center;
  }
  .partner .eyebrow{justify-content:center; margin:0 auto 30px;}
  .partner img{
    max-height:56px;
    width:auto;
    margin:0 auto;
  }

  /* ================= CTA BANNER ================= */
  .cta-banner{
    background:var(--ink);
    color:#fff;
    padding:100px 0;
    text-align:center;
    position:relative;
    overflow:hidden;
  }
  .cta-banner::before{
    content:'';
    position:absolute;
    top:-40%; right:-10%;
    width:520px; height:520px;
    background:var(--red);
    opacity:.12;
    border-radius:50%;
    filter:blur(10px);
  }
  .cta-banner h2{
    font-size:clamp(36px,5.6vw,68px);
    color:#fff;
    max-width:760px;
    margin:0 auto 20px;
  }
  .cta-banner h2 em{font-style:normal; color:var(--red);}
  .cta-banner p{
    color:#c9c7c3;
    font-size:16px;
    max-width:480px;
    margin:0 auto 40px;
    line-height:1.7;
  }
  .cta-buttons{
    display:flex;
    gap:18px;
    justify-content:center;
    flex-wrap:wrap;
  }

  /* ================= FOOTER ================= */
  footer{
    background:var(--paper);
    padding:64px 0 30px;
  }
  .footer-top{
    display:grid;
    grid-template-columns:1.3fr 1fr 1fr;
    gap:48px;
    padding-bottom:48px;
    border-bottom:1px solid var(--grey-line);
  }
  .footer-brand .brand{margin-bottom:16px;}
  .footer-brand p{
    font-size:14px;
    color:var(--grey);
    line-height:1.7;
    max-width:320px;
  }
  .footer-col h5{
    font-size:12px;
    letter-spacing:.14em;
    text-transform:uppercase;
    color:var(--grey);
    margin-bottom:18px;
    font-weight:700;
  }
  .footer-col a{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:14.5px;
    color:var(--ink-soft);
    margin-bottom:12px;
    transition:color .25s;
  }
  .footer-col a svg{
    width:16px;
    height:16px;
    stroke:var(--red);
    fill:none;
    stroke-width:1.8;
    flex-shrink:0;
    transition:stroke .25s;
  }
  .footer-col a:hover{color:var(--red);}
  .footer-bottom{
    display:flex;
    justify-content:space-between;
    align-items:center;
    padding-top:26px;
    flex-wrap:wrap;
    gap:12px;
  }
  .footer-bottom p{font-size:12.5px; color:var(--grey);}
  .socials{display:flex; gap:14px;}
  .socials a{
    width:34px; height:34px;
    border:1.5px solid var(--grey-line);
    display:flex; align-items:center; justify-content:center;
    border-radius:50%;
    transition:border-color .25s, background .25s;
  }
  .socials a:hover{border-color:var(--red); background:var(--red);}
  .socials a:hover svg{stroke:#fff;}
  .socials svg{width:15px; height:15px; stroke:var(--ink); fill:none; stroke-width:1.8;}

  /* ================= RESPONSIVE ================= */
  @media (max-width: 980px){
    .hero-grid{grid-template-columns:1fr; gap:70px;}
    .hero{padding-top:140px;}
    .hero-visual-inner{max-width:340px; margin:0 auto;}
    .services-grid{grid-template-columns:repeat(2,1fr);}
    .why-grid{grid-template-columns:1fr;}
    .why-item:nth-child(odd){border-right:none; padding-right:8px;}
    .why-item:nth-child(even){padding-left:8px;}
    .about{grid-template-columns:1fr; gap:50px;}
    .about-photo-wrap{max-width:340px; margin:0 auto;}
    .footer-top{grid-template-columns:1fr; gap:36px;}
    nav.links{display:none;}
  }
  @media (max-width: 620px){
    .wrap{padding:0 20px;}
    .services-grid{grid-template-columns:1fr;}
    .hero-badge{left:0; right:0; margin:0 auto; bottom:-40px;}
    .cta-buttons{flex-direction:column; align-items:stretch;}
    .nav-cta .btn-outline{display:none;}
    section.section{padding:80px 0;}
  }