/* Spinny Capital — Modern Redesign
   Font: Inter | Brand: #492465 */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&display=swap');

/* ── RBI NOTICE POPUP ───────────────────────── */
.rbi-popup-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  animation: rbi-fadeIn 0.2s ease;
}

.rbi-popup-overlay.rbi-popup-hidden {
  display: none;
}

@keyframes rbi-fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.rbi-popup-box {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.25);
  width: 100%;
  max-width: 540px;
  position: relative;
  overflow: hidden;
  animation: rbi-slideUp 0.25s ease;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
}

@keyframes rbi-slideUp {
  from { transform: translateY(24px); opacity: 0; }
  to   { transform: translateY(0);    opacity: 1; }
}

.rbi-popup-close-x {
  position: absolute;
  top: 14px;
  right: 16px;
  background: rgba(255, 255, 255, 0.2);
  border: none;
  color: #492465;
  font-size: 1.5rem;
  line-height: 1;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s ease;
  z-index: 1;
}

.rbi-popup-close-x:hover {
  background: rgba(255, 255, 255, 0.35);
}

.rbi-popup-header {
  background: linear-gradient(135deg, #492465 0%, #2d1748 100%);
  padding: 28px 52px 24px 28px;
  flex-shrink: 0;
}

.rbi-popup-badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.92);
  font-size: 0.62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 10px;
}

.rbi-popup-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: #fff;
  margin: 0;
  line-height: 1.3;
  letter-spacing: 0.01em;
}

.rbi-popup-body {
  padding: 24px 28px 8px;
  overflow-y: auto;
  flex: 1;
}

.rbi-popup-body p {
  font-size: 0.92rem;
  line-height: 1.75;
  color: #374151;
  margin: 0 0 0.75rem;
}

.rbi-popup-contacts {
  list-style: none;
  padding: 0;
  margin: 0.5rem 0 0;
}

.rbi-popup-contacts li {
  font-size: 0.92rem;
  color: #374151;
  line-height: 1.75;
  margin-bottom: 0.3rem;
}

.rbi-popup-contacts a {
  color: #492465;
  text-decoration: none;
  font-weight: 500;
}

.rbi-popup-contacts a:hover {
  text-decoration: underline;
}

.rbi-popup-footer {
  padding: 16px 28px 24px;
  display: flex;
  justify-content: flex-end;
  flex-shrink: 0;
}

.rbi-popup-close-btn {
  padding: 9px 28px;
  background: #492465;
  color: #fff;
  border: none;
  border-radius: 6px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  cursor: pointer;
  transition: background 0.2s ease;
  font-family: inherit;
}

.rbi-popup-close-btn:hover {
  background: #2d1748;
}

@media (max-width: 480px) {
  .rbi-popup-box { border-radius: 10px; }
  .rbi-popup-header { padding: 22px 48px 18px 20px; }
  .rbi-popup-title { font-size: 1rem; }
  .rbi-popup-body { padding: 18px 20px 6px; }
  .rbi-popup-footer { padding: 12px 20px 20px; }
}

/* ── Reset ─────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }

/* ── CSS Variables ──────────────────────────── */
:root {
  --brand:        #492465;
  --brand-700:    #2d1748;
  --brand-50:     #f7f3fc;
  --text:         #111827;
  --muted:        #6b7280;
  --light:        #f9fafb;
  --border:       #e5e7eb;
  --shadow-sm:    0 1px 2px rgba(0,0,0,0.05);
  --shadow:       0 2px 10px rgba(0,0,0,0.07);
  --shadow-md:    0 6px 24px rgba(0,0,0,0.1);
  --radius:       10px;
  --max-w:        1200px;
}

/* ── Base ───────────────────────────────────── */
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background: #fff;
  color: var(--text);
  margin: 0;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--brand); }

/* ── Container ──────────────────────────────── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── HEADER ─────────────────────────────────── */
header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 100;
}

header .container {
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

header img.site-logo {
  height: 40px;
  width: auto;
  display: block;
}

/* ── CONTACT US BUTTON (nav) ────────────────── */
.nav-contact-btn {
  display: inline-flex;
  align-items: center;
  padding: 9px 22px;
  background: var(--brand);
  color: #fff;
  border-radius: 6px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  text-decoration: none;
  transition: background 0.2s ease;
  white-space: nowrap;
  flex-shrink: 0;
}

.nav-contact-btn:hover {
  background: var(--brand-700);
  color: #fff;
  text-decoration: none;
}

/* ── SECTION DEFAULTS ───────────────────────── */
section.sc-section {
  padding: 80px 0;
}

section.sc-section.sc-alt {
  background: var(--light);
}

/* ── SECTION HEADING ────────────────────────── */
.section-heading {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin: 0 0 2.5rem;
  padding-bottom: 0.75rem;
  border-bottom: 2.5px solid var(--brand);
  display: inline-block;
  line-height: 1.2;
}

/* ── CATEGORY LABEL ── */
.category-label {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--brand);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin: 2.5rem 0 1.25rem;
  display: flex;
  align-items: center;
  gap: 10px;
}

.category-label::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── POLICY CARD GRID ───────────────────────── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-bottom: 0.5rem;
}

/* ── POLICY CARD ────────────────────────────── */
.policy-card {
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  border-top: 3px solid var(--brand);
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 0.75rem;
  min-height: 110px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.policy-card:hover {
  box-shadow: 0 6px 20px rgba(73,36,101,0.12);
  transform: translateY(-2px);
}

.policy-card h4 {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text);
  line-height: 1.4;
  margin: 0;
}

/* ── READ MORE BUTTON ───────────────────────── */
.btn-readmore {
  display: inline-flex;
  align-items: center;
  padding: 5px 14px;
  background: var(--brand);
  color: #fff;
  border-radius: 5px;
  font-size: 0.67rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  text-decoration: none;
  transition: background 0.2s ease;
  align-self: flex-start;
  white-space: nowrap;
}

.btn-readmore:hover {
  background: var(--brand-700);
  color: #fff;
  text-decoration: none;
}

/* ── HERO ───────────────────────────────────── */
.hero-section {
  background: #fff;
  padding: 80px 0;
}

.hero-section h2 {
  font-size: 1.875rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--text);
  margin: 0 0 1.5rem;
  line-height: 1.2;
}

.hero-section p {
  font-size: 0.95rem;
  line-height: 1.85;
  color: var(--muted);
  margin: 0 0 1rem;
  max-width: 780px;
}

/* ── TEXT CONTENT (RBI, Grievance) ──────────── */
.text-content {
  max-width: 820px;
}

.text-content p,
.text-content li {
  font-size: 0.95rem;
  line-height: 1.85;
  color: var(--muted);
  margin-bottom: 0.875rem;
}

.text-content h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  margin: 2.5rem 0 0.5rem;
}

.text-content h6 {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--brand);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin: 1.75rem 0 0.5rem;
}

.text-content ul {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.text-content ul li { margin-bottom: 0.4rem; }

.text-content a {
  color: var(--brand);
  text-decoration: none;
}

.text-content a:hover { text-decoration: underline; }

/* ── CONTACT (inline on index) ──────────────── */
.contact-label {
  font-size: 0.63rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: #9ca3af;
  margin: 2.5rem 0 0.5rem;
}

.contact-info p {
  font-size: 0.9rem;
  color: var(--muted);
  margin: 0 0 0.3rem;
  line-height: 1.6;
}

/* ── CONTACT PAGE CARDS ──────────────────────── */
.contact-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 2rem;
}

.contact-card {
  background: #fff;
  border-radius: 14px;
  border: 1px solid var(--border);
  border-top: 3px solid var(--brand);
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.contact-card:hover {
  box-shadow: 0 6px 20px rgba(73,36,101,0.12);
  transform: translateY(-2px);
}

.contact-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--brand-50);
  display: flex;
  align-items: center;
  justify-content: center;
}

.contact-card-icon svg {
  width: 22px;
  height: 22px;
}

.contact-card h4 {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--brand);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin: 0.25rem 0 0;
}

.contact-card p {
  font-size: 0.92rem;
  color: var(--muted);
  margin: 0;
  line-height: 1.7;
}

.contact-card a {
  font-size: 0.92rem;
  color: var(--brand);
  text-decoration: none;
  display: block;
  font-weight: 500;
  line-height: 1.7;
}

.contact-card a:hover { text-decoration: underline; }

/* ── TEAM ───────────────────────────────────── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.team-card {
  background: #fff;
  border-radius: 16px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  padding: 2rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.team-card img {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--brand-50);
  box-shadow: 0 2px 10px rgba(73,36,101,0.18);
  margin-bottom: 1rem;
  transition: transform 0.3s ease;
  display: block;
}

.team-card img:hover { transform: scale(1.06); }

.team-card h4 {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text);
  margin: 0 0 0.3rem;
}

.team-card .position {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--brand);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 1.25rem;
}

.team-card .description {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.75;
  text-align: left;
}

/* ── DIRECTOR CARD (clickable) ──────────────── */
.director-card {
  cursor: pointer;
  transition: box-shadow 0.22s ease, transform 0.22s ease;
}

.director-card:hover {
  box-shadow: 0 8px 28px rgba(73,36,101,0.18);
  transform: translateY(-4px);
}

.director-view-btn {
  display: inline-flex;
  align-items: center;
  padding: 7px 20px;
  background: var(--brand);
  color: #fff;
  border-radius: 5px;
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 1.1rem;
  transition: background 0.2s ease;
  pointer-events: none;
}

.director-card:hover .director-view-btn {
  background: var(--brand-700);
}

/* ── DIRECTOR MODAL ─────────────────────────── */
.director-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  animation: rbi-fadeIn 0.2s ease;
}

.director-modal-overlay.hidden {
  display: none;
}

.director-modal-box {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.25);
  width: 100%;
  max-width: 780px;
  max-height: 88vh;
  position: relative;
  display: flex;
  overflow: hidden;
  animation: rbi-slideUp 0.25s ease;
}

.director-modal-close {
  position: absolute;
  top: 14px;
  right: 16px;
  background: rgba(255, 255, 255, 0.18);
  border: none;
  color: #fff;
  font-size: 1.5rem;
  line-height: 1;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s ease;
  z-index: 2;
}

.director-modal-close:hover {
  background: rgba(255, 255, 255, 0.32);
}

.director-modal-left {
  width: 210px;
  flex-shrink: 0;
  background: linear-gradient(160deg, #492465 0%, #2d1748 100%);
  padding: 52px 24px 36px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 0;
}

.director-modal-left img {
  width: 108px;
  height: 108px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid rgba(255, 255, 255, 0.28);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
  margin-bottom: 1.1rem;
  display: block;
}

.director-modal-id h3 {
  font-size: 1rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 0.4rem;
  line-height: 1.3;
}

.modal-position {
  font-size: 0.66rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.72);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0;
}

.director-modal-right {
  flex: 1;
  padding: 48px 32px 36px;
  overflow-y: auto;
}

.director-modal-right p {
  font-size: 0.92rem;
  line-height: 1.82;
  color: var(--muted);
  margin: 0 0 0.9rem;
}

.director-modal-right p:last-child {
  margin-bottom: 0;
}

@media (max-width: 620px) {
  .director-modal-box {
    flex-direction: column;
    max-height: 92vh;
    overflow-y: auto;
    border-radius: 12px;
  }

  .director-modal-left {
    width: 100%;
    flex-direction: row;
    padding: 24px 20px 20px;
    text-align: left;
    align-items: center;
    gap: 16px;
  }

  .director-modal-left img {
    width: 72px;
    height: 72px;
    flex-shrink: 0;
    margin-bottom: 0;
  }

  .director-modal-id h3 {
    font-size: 0.95rem;
  }

  .director-modal-right {
    padding: 24px 20px 28px;
    overflow-y: visible;
  }

  .director-modal-close {
    color: #fff;
  }
}

/* ── INSURANCE CARD ─────────────────────────── */
.insurance-section {
  background: var(--light);
  padding: 60px 0;
}

.insurance-card {
  background: #fff;
  border-radius: 18px;
  padding: 44px 52px;
  display: flex;
  align-items: center;
  gap: 36px;
  box-shadow: 0 2px 20px rgba(73,36,101,0.10);
  border: 1px solid var(--border);
  border-left: 5px solid var(--brand);
}

.insurance-card-logo {
  flex-shrink: 0;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 10px 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
}

.insurance-card-logo img {
  height: 60px;
  width: auto;
  display: block;
}

.insurance-card-text {
  flex: 1;
}

.insurance-card-text h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text);
  margin: 0 0 0.5rem;
  letter-spacing: 0.02em;
  line-height: 1.25;
}

.insurance-card-text p {
  font-size: 0.95rem;
  color: var(--muted);
  margin: 0;
  line-height: 1.6;
}

.btn-insurance {
  display: inline-flex;
  align-items: center;
  padding: 13px 30px;
  background: var(--brand);
  color: #fff;
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  text-decoration: none;
  transition: all 0.2s ease;
  white-space: nowrap;
  flex-shrink: 0;
}

.btn-insurance:hover {
  background: var(--brand-700);
  transform: translateY(-2px);
  color: #fff;
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(73,36,101,0.25);
}

/* ── FOOTER ─────────────────────────────────── */
.footer-section {
  background: #fff;
  border-top: 3px solid var(--brand);
  padding: 64px 0 0;
}

.footer-top {
  display: grid;
  grid-template-columns: 240px 190px 1fr 1fr 1fr;
  gap: 44px;
  align-items: start;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}

.footer-logo-wrapper {
  display: inline-block;
  margin-bottom: 16px;
}

.footer-logo-img {
  height: 52px;
  width: auto;
  display: block;
}

.footer-cin {
  font-size: 0.65rem;
  color: var(--muted);
  letter-spacing: 0.03em;
  margin: 0 0 8px;
}

.footer-tagline {
  font-size: 0.68rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}

.footer-col-heading {
  font-size: 0.6rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--brand);
  margin: 0 0 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.footer-contact address {
  font-style: normal;
  margin-bottom: 14px;
}

.footer-contact address p,
.footer-contact > p {
  font-size: 0.72rem;
  color: var(--muted);
  margin: 0 0 4px;
  line-height: 1.6;
}

.footer-contact a {
  color: var(--muted);
  text-decoration: none;
  transition: color 0.15s;
}

.footer-contact a:hover { color: var(--brand); }

.footer-links-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links-col ul li {
  margin-bottom: 10px;
}

.footer-links-col ul li a {
  font-size: 0.71rem;
  color: var(--muted);
  text-decoration: none;
  transition: color 0.15s;
  line-height: 1.45;
  display: block;
}

.footer-links-col ul li a:hover { color: var(--brand); }

.footer-bottom {
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.copyright {
  font-size: 0.61rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0;
}

.footer-disclaimer {
  font-size: 0.61rem;
  color: var(--muted);
  margin: 0;
  text-align: right;
}

/* ── CO-LENDING TABLE ───────────────────────── */
.table-container {
  background: #fff;
  border-radius: 14px;
  overflow-x: auto;
  overflow-y: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  -webkit-overflow-scrolling: touch;
}

table.styled-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  min-width: 500px;
}

table.styled-table th {
  background: var(--light);
  font-weight: 600;
  color: var(--text);
  padding: 14px 20px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  width: 30%;
  font-size: 0.85rem;
  vertical-align: top;
}

table.styled-table td {
  padding: 14px 20px;
  color: var(--muted);
  border-bottom: 1px solid #f3f4f6;
  vertical-align: top;
  line-height: 1.7;
}

table.styled-table tr:last-child th,
table.styled-table tr:last-child td { border-bottom: none; }

table.styled-table a { color: var(--brand); text-decoration: none; }
table.styled-table a:hover { text-decoration: underline; }

/* ── REFERENCE PORTALS TABLE ────────────────── */
.ref-table-container {
  background: #fff;
  border-radius: 14px;
  overflow-x: auto;
  overflow-y: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  -webkit-overflow-scrolling: touch;
}

table.ref-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 400px;
}

table.ref-table thead th {
  background: var(--brand);
  color: #fff;
  padding: 13px 20px;
  text-align: left;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

table.ref-table tbody td {
  padding: 13px 20px;
  color: var(--muted);
  border-bottom: 1px solid #f3f4f6;
  font-size: 0.875rem;
  line-height: 1.5;
}

table.ref-table tbody tr:last-child td { border-bottom: none; }
table.ref-table tbody tr:hover td { background: var(--brand-50); }
table.ref-table a { color: var(--brand); text-decoration: none; }
table.ref-table a:hover { text-decoration: underline; }

/* ── RESPONSIVE ─────────────────────────────── */
@media (max-width: 1024px) {
  .cards-grid { grid-template-columns: repeat(3, 1fr); }
  .contact-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .insurance-card { padding: 36px 40px; }
}

@media (max-width: 768px) {
  section.sc-section { padding: 56px 0; }
  .hero-section { padding: 56px 0; }
  .insurance-section { padding: 44px 0; }
  .container { padding: 0 20px; }
  header .container { padding: 0 20px; }
  .cards-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-cards-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; gap: 20px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 4px; }
  .footer-disclaimer { text-align: left; }
  .hero-section h2 { font-size: 1.5rem; }
  .section-heading { font-size: 1.25rem; }
  .insurance-card {
    flex-direction: column;
    text-align: center;
    padding: 32px 24px;
    gap: 24px;
    border-left: 1px solid var(--border);
    border-top: 5px solid var(--brand);
  }
  .insurance-card-text h3 { font-size: 1.25rem; }
  .nav-contact-btn { padding: 7px 16px; font-size: 0.75rem; }
  header img.site-logo { height: 34px; }
}

@media (max-width: 1100px) {
  .footer-top { grid-template-columns: 1fr 1fr 1fr; gap: 36px; }
}

@media (max-width: 600px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 28px; }
}

@media (max-width: 480px) {
  section.sc-section { padding: 44px 0; }
  .hero-section { padding: 44px 0; }
  .insurance-section { padding: 36px 0; }
  .container { padding: 0 16px; }
  header .container { padding: 0 16px; height: 60px; }
  header img.site-logo { height: 30px; }
  .nav-contact-btn { padding: 6px 12px; font-size: 0.7rem; letter-spacing: 0.04em; }
  .cards-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .hero-section h2 { font-size: 1.3rem; }
  .section-heading { font-size: 1.1rem; }
  .insurance-card { padding: 28px 18px; gap: 20px; }
  .insurance-card-text h3 { font-size: 1.1rem; }
  .insurance-card-logo img { height: 48px; }
  .btn-insurance { padding: 10px 22px; font-size: 0.78rem; }
  .footer-section { padding: 44px 0 0; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; padding-bottom: 36px; }
}

@media (max-width: 360px) {
  .cards-grid { grid-template-columns: 1fr; }
  .nav-contact-btn { padding: 5px 10px; font-size: 0.67rem; }
}

/* ── GRIEVANCE REDRESSAL PAGE ────────────────── */
.griev-hero {
  background: linear-gradient(135deg, #492465 0%, #2d1748 100%);
  padding: 80px 0;
  text-align: center;
}

.griev-hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
  font-size: 0.62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 1.25rem;
}

.griev-hero h1 {
  font-size: 2rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 1rem;
  letter-spacing: 0.01em;
  line-height: 1.25;
}

.griev-hero-sub {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.72);
  max-width: 600px;
  margin: 0 auto 1.5rem;
  line-height: 1.8;
}

.griev-hero-hours {
  display: inline-block;
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.9);
  font-size: 0.82rem;
  padding: 9px 22px;
  border-radius: 6px;
  border: 1px solid rgba(255,255,255,0.18);
  letter-spacing: 0.02em;
}

.griev-section {
  padding: 72px 0;
  background: var(--light);
}

.griev-levels {
  max-width: 860px;
  margin: 0 auto;
}

.griev-level-card {
  background: #fff;
  border-radius: 16px;
  border: 1px solid var(--border);
  padding: 2.25rem 2.5rem;
  box-shadow: var(--shadow);
}

.griev-level-header {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 0.75rem;
}

.griev-level-num {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.griev-level-label {
  font-size: 0.62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--brand);
  margin-bottom: 0.3rem;
}

.griev-level-card h2 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--text);
  margin: 0;
  line-height: 1.3;
}

.griev-level-desc {
  font-size: 0.9rem;
  color: var(--muted);
  margin: 0.75rem 0 1.75rem;
  line-height: 1.75;
}

.griev-channels {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.griev-channel {
  background: var(--brand-50);
  border-radius: 10px;
  padding: 1.25rem;
  border: 1px solid rgba(73,36,101,0.08);
}

.griev-channel-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--brand);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.75rem;
}

.griev-channel-icon svg {
  width: 17px;
  height: 17px;
  stroke: #fff;
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.griev-channel h4 {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand);
  margin: 0 0 0.4rem;
}

.griev-channel a {
  font-size: 0.88rem;
  color: var(--brand);
  font-weight: 500;
  text-decoration: none;
  display: block;
  line-height: 1.5;
  margin-bottom: 0.3rem;
}

.griev-channel a:hover { text-decoration: underline; }

.griev-channel address {
  font-size: 0.84rem;
  color: var(--muted);
  font-style: normal;
  line-height: 1.65;
}

.griev-channel-note {
  font-size: 0.78rem;
  color: var(--muted);
  margin: 0.35rem 0 0;
  line-height: 1.5;
}

.griev-connector {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 4px 1rem;
}

.griev-connector-line {
  flex: 1;
  height: 1px;
  background: var(--border);
}

.griev-connector-label {
  font-size: 0.76rem;
  color: var(--muted);
  white-space: nowrap;
  padding: 5px 14px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
}

.griev-connector-label strong { color: var(--brand); }

.griev-gro-card {
  background: linear-gradient(135deg, #492465 0%, #2d1748 100%);
  border-radius: 12px;
  padding: 1.75rem 2rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.griev-gro-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(255,255,255,0.18);
  border: 2px solid rgba(255,255,255,0.28);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  letter-spacing: 0.05em;
}

.griev-gro-info { flex: 1; }

.griev-gro-name {
  font-size: 1.05rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.2rem;
}

.griev-gro-title {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.65);
  margin-bottom: 0.9rem;
}

.griev-gro-contacts {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.griev-gro-contacts a,
.griev-gro-contacts span {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 6px;
}

.griev-gro-contacts a:hover { text-decoration: underline; }

.griev-gro-contacts svg {
  stroke: rgba(255,255,255,0.7);
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex-shrink: 0;
}

.griev-rbi-channels {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.griev-rbi-channel {
  background: var(--light);
  border-radius: 10px;
  padding: 1.1rem 1.25rem;
  border: 1px solid var(--border);
}

.griev-rbi-channel h5 {
  font-size: 0.67rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand);
  margin: 0 0 0.45rem;
}

.griev-rbi-channel p,
.griev-rbi-channel address {
  font-size: 0.88rem;
  color: var(--muted);
  margin: 0 0 0.2rem;
  line-height: 1.65;
  font-style: normal;
}

.griev-rbi-channel a {
  font-size: 0.88rem;
  color: var(--brand);
  font-weight: 500;
  text-decoration: none;
}

.griev-rbi-channel a:hover { text-decoration: underline; }

/* ── RBI DISCLAIMER PAGE ──────────────────────── */
.rbi-page-hero {
  background: linear-gradient(135deg, #1e1035 0%, #492465 60%, #2d1748 100%);
  padding: 80px 0;
  text-align: center;
}

.rbi-page-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.88);
  font-size: 0.62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 1.25rem;
  border: 1px solid rgba(255,255,255,0.2);
}

.rbi-page-badge svg {
  stroke: rgba(255,255,255,0.8);
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.rbi-page-hero h1 {
  font-size: 2rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 1rem;
  letter-spacing: 0.01em;
}

.rbi-page-hero p {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.65);
  max-width: 480px;
  margin: 0 auto;
  line-height: 1.75;
}

.rbi-disclaimer-section {
  padding: 72px 0;
}

.rbi-disclaimer-wrapper {
  max-width: 760px;
  margin: 0 auto;
}

.rbi-important-notice {
  background: #fffbeb;
  border: 1px solid #fcd34d;
  border-left: 4px solid #f59e0b;
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 2rem;
}

.rbi-important-notice svg { flex-shrink: 0; margin-top: 1px; }

.rbi-important-notice p {
  font-size: 0.88rem;
  color: #92400e;
  margin: 0;
  line-height: 1.7;
}

.rbi-disclaimer-items {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.rbi-disclaimer-item {
  background: #fff;
  border-radius: 12px;
  border: 1px solid var(--border);
  padding: 1.75rem 2rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
}

.rbi-disclaimer-item-num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  font-size: 0.72rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.rbi-disclaimer-item p {
  font-size: 0.95rem;
  color: var(--muted);
  margin: 0;
  line-height: 1.85;
}

.rbi-disclaimer-text p {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.85;
  margin: 0 0 1.25rem;
}

.rbi-disclaimer-text p:last-child { margin-bottom: 0; }

/* ── RESPONSIVE: GRIEVANCE & RBI ─────────────── */
@media (max-width: 768px) {
  .griev-hero { padding: 60px 0; }
  .griev-hero h1 { font-size: 1.5rem; }
  .griev-hero-sub { font-size: 0.88rem; }
  .griev-section { padding: 52px 0; }
  .griev-level-card { padding: 1.75rem 1.5rem; }
  .griev-channels { grid-template-columns: 1fr; }
  .griev-rbi-channels { grid-template-columns: 1fr; }
  .griev-gro-card { flex-direction: column; align-items: flex-start; gap: 1rem; padding: 1.5rem; }
  .rbi-page-hero { padding: 60px 0; }
  .rbi-page-hero h1 { font-size: 1.5rem; }
  .rbi-disclaimer-section { padding: 52px 0; }
  .rbi-disclaimer-item { padding: 1.25rem 1.5rem; }
}

@media (max-width: 480px) {
  .griev-hero { padding: 48px 0; }
  .griev-hero h1 { font-size: 1.3rem; }
  .griev-gro-contacts { flex-direction: column; gap: 0.75rem; }
  .griev-connector-label { font-size: 0.7rem; padding: 4px 10px; }
  .rbi-page-hero { padding: 48px 0; }
  .rbi-page-hero h1 { font-size: 1.3rem; }
  .rbi-disclaimer-item { flex-direction: column; gap: 0.75rem; padding: 1.25rem; }
}