/* ── Hero ── */
        .service-hero {
            background: #1e293b;
            position: relative;
            overflow: hidden;
            min-height: 88vh;
            display: flex;
            flex-direction: column;
            justify-content: center;
        }
        .hero-bg {
            position: absolute; inset: 0;
            background-image: url('../asset/Images/Risk-Management.webp');
            background-size: cover;
            background-position: center 35%;
            opacity: 0.10;
        }
        .hero-grid {
            position: absolute; inset: 0;
            background-image:
                linear-gradient(rgba(201,168,76,0.045) 1px, transparent 1px),
                linear-gradient(90deg, rgba(201,168,76,0.045) 1px, transparent 1px);
            background-size: 56px 56px;
        }
        .hero-gradient {
            position: absolute; inset: 0;
            background: linear-gradient(140deg, #1e293b 0%, rgba(12,20,30,0.2) 55%, #1e293b 100%);
        }
        .hero-accent-line {
            position: absolute; left: 0; top: 0; bottom: 0; width: 5px;
            background: linear-gradient(180deg, transparent 0%, #d4af37 30%, #d4af37 70%, transparent 100%);
        }
        .hero-float {
            position: absolute; right: 4%; top: 50%; transform: translateY(-50%);
            font-family: 'Cormorant Garamond', serif;
            font-size: clamp(7rem, 19vw, 21rem);
            font-weight: 300; color: rgba(212,175,55,0.038);
            line-height: 1; user-select: none; pointer-events: none;
        }
        /* radial glow */
        .hero-glow {
            position: absolute; left: -10%; bottom: -20%;
            width: 60vw; height: 60vw; border-radius: 50%;
            background: radial-gradient(circle, rgba(212,175,55,0.06) 0%, transparent 70%);
            pointer-events: none;
        }

        /* ── Label ── */
        .section-label {
            display: inline-flex; align-items: center; gap: 0.5rem;
            font-size: 0.68rem; font-weight: 700; letter-spacing: 0.25em;
            text-transform: uppercase; color: #d4af37;
        }
        .section-label::before { content:''; width:2rem; height:2px; background:#d4af37; }

        /* ── Animated underline ── */
        .animated-underline { position: relative; display: inline-block; }
        .animated-underline::after {
            content:''; position:absolute; bottom:-4px; left:0;
            width:100%; height:2px;
            background: linear-gradient(90deg,#d4af37,#e8c97a);
            transform:scaleX(0); transform-origin:left;
            transition: transform 0.4s cubic-bezier(0.34,1.56,0.64,1);
        }
        .animated-underline:hover::after { transform:scaleX(1); }

        /* ── Gold divider ── */
        .gold-divider { display:flex; align-items:center; gap:1rem; }
        .gold-divider::before, .gold-divider::after {
            content:''; flex:1; height:1px;
            background:linear-gradient(90deg,transparent,#d4af37,transparent);
        }

        /* ── Reveal ── */
        .reveal      { opacity:0; transform:translateY(28px); transition:opacity 0.65s,transform 0.65s; }
        .reveal.visible { opacity:1; transform:none; }
        .reveal-left { opacity:0; transform:translateX(-28px); transition:opacity 0.65s,transform 0.65s; }
        .reveal-left.visible { opacity:1; transform:none; }
        .reveal-right{ opacity:0; transform:translateX(28px); transition:opacity 0.65s,transform 0.65s; }
        .reveal-right.visible{ opacity:1; transform:none; }

        /* ── Scroll indicator ── */
        .scroll-indicator {
            position:absolute; bottom:2.5rem; left:50%; transform:translateX(-50%);
            display:flex; flex-direction:column; align-items:center; gap:0.5rem;
        }
        .scroll-dot {
            width:1px; height:50px;
            background:linear-gradient(180deg,#d4af37,transparent);
            animation:scrollDot 2s ease-in-out infinite;
        }
        @keyframes scrollDot { 0%,100%{opacity:.3;transform:scaleY(1)} 50%{opacity:1;transform:scaleY(1.2)} }

        /* ── Marquee ── */
        .marquee-wrap { overflow:hidden; }
        .marquee-track { display:flex; animation:marquee 32s linear infinite; }
        @keyframes marquee { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

        /* ── Service tabs ── */
        .s-tab {
            cursor:pointer; border-bottom:3px solid transparent;
            transition:all 0.3s; padding:0.9rem 1.4rem;
            font-weight:600; font-size:0.82rem;
            text-transform:uppercase; letter-spacing:0.07em; color:#64748b;
            white-space: nowrap;
        }
        .s-tab:hover { color:#1e293b; }
        .s-tab.active { border-bottom-color:#d4af37; color:#d4af37; }
        .s-panel { display:none; }
        .s-panel.active { display:grid; }

        /* ── Feature card ── */
        .f-card {
            position:relative; overflow:hidden;
            transition:transform 0.3s,box-shadow 0.3s,border-color 0.3s;
            border-bottom:3px solid transparent;
        }
        .f-card:hover {
            transform:translateY(-5px);
            box-shadow:0 20px 50px rgba(201,168,76,0.13);
            border-bottom-color:#d4af37;
        }
        .f-icon {
            width:3rem; height:3rem;
            background:linear-gradient(135deg,#1e293b,#162030);
            border-radius:0.75rem;
            display:flex; align-items:center; justify-content:center;
            margin-bottom:1rem; transition:transform 0.3s;
            flex-shrink: 0;
        }
        .f-card:hover .f-icon { transform:rotate(-6deg) scale(1.1); }

        /* ── Process step ── */
        .p-step {
            position:relative; overflow:hidden;
            transition:all 0.35s; cursor:default;
            border-left: 3px solid transparent;
        }
        .p-step:hover { border-left-color:#d4af37; background:#f8fafc !important; }
        .p-step:hover .p-title { color:#d4af37; }
        .p-step-num {
            font-family:'Cormorant Garamond',serif;
            font-size:2.5rem; font-weight:600; line-height:1;
            color: rgba(212,175,55,0.25);
            flex-shrink: 0;
        }

        /* ── Risk card ── */
        .risk-card {
            position:relative; overflow:hidden;
            transition:transform 0.3s, box-shadow 0.3s;
            border-top: 3px solid transparent;
        }
        .risk-card:hover {
            transform:translateY(-4px);
            box-shadow:0 20px 50px rgba(0,0,0,0.1);
            border-top-color:#d4af37;
        }

        /* ── Stat card ── */
        .stat-card {
            position:relative; overflow:hidden;
            transition:transform 0.3s,box-shadow 0.3s;
        }
        .stat-card::before {
            content:''; position:absolute; inset:0;
            background:linear-gradient(135deg,rgba(201,168,76,0.08) 0%,transparent 60%);
            opacity:0; transition:opacity 0.3s;
        }
        .stat-card:hover { transform:translateY(-4px); box-shadow:0 20px 50px rgba(0,0,0,0.14); }
        .stat-card:hover::before { opacity:1; }

        /* ── Package card ── */
        .pkg-card {
            position:relative; overflow:hidden;
            transition:transform 0.4s,box-shadow 0.4s;
            border:2px solid transparent;
        }
        .pkg-card:hover { transform:translateY(-6px); box-shadow:0 28px 70px rgba(0,0,0,0.12); }
        .pkg-card.featured { border-color:#d4af37; }
        .pkg-card.featured::before {
            content:'Most Popular';
            position:absolute; top:1.25rem; right:-2rem;
            background:#d4af37; color:#1e293b;
            font-size:0.6rem; font-weight:700; letter-spacing:0.15em;
            text-transform:uppercase; padding:0.3rem 3.5rem;
            transform:rotate(35deg);
        }
        .pkg-check { display:flex; align-items:flex-start; gap:0.65rem; }
        .pkg-check::before {
            content:''; width:1rem; height:1rem; flex-shrink:0; margin-top:0.15rem;
            background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d4af37' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
            background-repeat:no-repeat; background-size:contain;
        }

        /* ── FAQ ── */
        .faq-item { border-bottom:1px solid #e2e8f0; }
        .faq-q {
            width:100%; text-align:left;
            display:flex; justify-content:space-between; align-items:center;
            padding:1.2rem 0; cursor:pointer; transition:color 0.3s;
            font-weight:600; color:#1e293b; gap: 1rem;
        }
        .faq-q:hover { color:#d4af37; }
        .faq-a { max-height:0; overflow:hidden; transition:max-height 0.4s ease,padding 0.4s; }
        .faq-a.open { max-height:400px; padding-bottom:1.1rem; }
        .faq-ico { transition:transform 0.3s; flex-shrink:0; }
        .faq-ico.open { transform:rotate(45deg); }

        /* ── Diff card (dark bg) ── */
        .diff-card { transition:all 0.3s; border:1px solid rgba(255,255,255,0.08); }
        .diff-card:hover { border-color:rgba(212,175,55,0.4); background:rgba(255,255,255,0.06) !important; }

        /* ── CTA ── */
        .cta-wrap { background:#1e293b; position:relative; overflow:hidden; }
        .cta-wrap::before {
            content:''; position:absolute; inset:0;
            background:radial-gradient(ellipse at 20% 50%,rgba(201,168,76,0.10) 0%,transparent 60%);
        }
        .cta-pattern {
            position:absolute; inset:0;
            background-image:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23c9a84c' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
        }

        /* ── Side CTA ── */
        .side-cta {
            position:fixed; right:0; top:50%;
            transform:translateY(-50%) rotate(180deg);
            writing-mode:vertical-rl;
            background:#d4af37; color:#1e293b;
            padding:1.2rem 0.6rem;
            font-size:0.68rem; font-weight:700; letter-spacing:0.15em;
            text-transform:uppercase; z-index:40;
            transition:background 0.3s; border-radius:0 0 6px 6px;
            text-decoration:none;
        }
        .side-cta:hover { background:#1e293b; color:#d4af37; }

        /* ── Loan type pill ── */
        .loan-pill {
            display:inline-flex; align-items:center; gap:0.4rem;
            padding:0.35rem 0.85rem;
            background:rgba(212,175,55,0.08);
            border:1px solid rgba(212,175,55,0.2);
            border-radius:9999px;
            font-size:0.72rem; font-weight:600;
            color:#d4af37; white-space:nowrap;
        }

        /* ── Progress bar ── */
        .risk-bar-wrap { height:6px; background:#e2e8f0; border-radius:9999px; overflow:hidden; }
        .risk-bar { height:100%; border-radius:9999px; background:linear-gradient(90deg,#d4af37,#e8c97a); transition:width 1s ease; }

        /* ── mobile ── */
        #mobile-services-panel.open { display:flex; }
        .hero-stat { border-right:1px solid rgba(255,255,255,0.1); }
        .hero-stat:last-child { border-right:none; }

        /* ── Accordion for loan types on mobile ── */
        @media (max-width: 767px) {
            .hero-float { display:none; }
        }

        /* ── Number decoration ── */
        .sec-num {
            position:absolute; right:1rem; top:1.5rem;
            font-family:'Cormorant Garamond',serif;
            font-size:clamp(6rem,12vw,10rem);
            font-weight:700; line-height:1;
            user-select:none; pointer-events:none;
            color:#f1f5f9;
        }
        .sec-num-dark {
            position:absolute; right:1rem; top:1.5rem;
            font-family:'Cormorant Garamond',serif;
            font-size:clamp(6rem,12vw,10rem);
            font-weight:700; line-height:1;
            user-select:none; pointer-events:none;
            color:rgba(255,255,255,0.03);
        }