:root {
    --blue: #1a6fd4;
    --blue-dark: #1359b0;
    --blue-light: #e8f1fd;
    --blue-mid: #bdd4f7;
    --navy: #0d1f3c;
    --white: #ffffff;
    --off-white: #f8faff;
    --gray: #f1f5fb;
    --gray-mid: #dde6f5;
    --text: #0d1f3c;
    --muted: #5a6e8a;
    --accent: #e8650a;
    --green: #1e8a5e;
    --radius: 14px;
    --shadow: 0 4px 24px rgba(26,111,212,0.10);
    --shadow-soft: 0 2px 12px rgba(0,0,0,0.06);
  }
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body { font-family: 'Inter', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; }

  /* ── NAV ── */
  nav {
    position: sticky; top: 0; z-index: 200;
    background: rgba(255,255,255,0.97);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid var(--gray-mid);
    padding: 0 2rem;
    height: 66px;
    display: flex; align-items: center; gap: 0;
  }
  .logo {
    font-family: 'Playfair Display', serif;
    font-size: 1.25rem; font-weight: 900;
    color: var(--navy); text-decoration: none;
    white-space: nowrap; margin-right: 1.5rem;
    flex-shrink: 0;
  }
  .logo em { color: var(--blue); font-style: normal; }

  /* INLINE NAV MENU */
  .nav-menu { display: flex; align-items: center; gap: 0; margin-left: auto; }
  .nav-item { position: relative; }
  .nav-item-btn {
    display: flex; align-items: center; gap: 0.3rem;
    padding: 0 1rem; height: 66px;
    font-size: 0.87rem; font-weight: 600; color: var(--muted);
    background: none; border: none; cursor: pointer;
    font-family: 'Inter', sans-serif; white-space: nowrap;
    transition: color 0.18s; border-bottom: 2px solid transparent;
  }
  .nav-item-btn:hover { color: var(--blue); border-bottom-color: var(--blue); }
  .nav-item:hover .nav-drop { display: block; }
  .nav-drop {
    display: none; position: absolute; top: 100%; left: 0;
    background: white; border: 1px solid var(--gray-mid);
    border-radius: 12px; padding: 0.5rem;
    min-width: 220px;
    box-shadow: 0 12px 40px rgba(0,0,0,0.11); z-index: 300;
  }
  .nav-drop a {
    display: block; padding: 0.55rem 0.9rem;
    font-size: 0.83rem; color: var(--muted); font-weight: 500;
    border-radius: 8px; text-decoration: none; transition: all 0.15s;
  }
  .nav-drop a:hover { background: var(--blue-light); color: var(--blue); }
  .nav-chevron { font-size: 0.65rem; margin-top: 1px; }

  .nav-right { margin-left: auto; display: flex; align-items: center; gap: 0.7rem; flex-shrink: 0; }
  .nav-cta {
    background: var(--blue); color: white;
    padding: 0.55rem 1.3rem; border-radius: 8px;
    font-size: 0.87rem; font-weight: 700; border: none; cursor: pointer;
    transition: all 0.2s; text-decoration: none; display: inline-block;
    box-shadow: 0 4px 14px rgba(26,111,212,0.25);
    white-space: nowrap;
  }
  .nav-cta:hover { background: var(--blue-dark); transform: translateY(-1px); }

  /* PAGE SYSTEM */
  .page { display: none; }
  .page.active { display: block; }

  /* ── HERO ── */
  .hero {
    background: var(--gray);
    padding: 5rem 2rem 4rem;
    border-bottom: 1px solid var(--gray-mid);
  }
  .hero-inner { max-width: 1150px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
  .hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(3.5rem, 6vw, 5.5rem); font-weight: 900;
    color: var(--navy); line-height: 1.05; margin-bottom: 1.8rem;
    border-left: 5px solid var(--blue); padding-left: 1.2rem;
    animation: fadeUp 0.6s ease both;
  }
  .hero-desc {
    font-size: 1rem; color: var(--text); line-height: 1.8;
    max-width: 460px; margin-bottom: 1.2rem;
    animation: fadeUp 0.6s 0.1s ease both;
  }
  .hero-desc2 {
    font-size: 1rem; color: var(--text); line-height: 1.8;
    max-width: 460px; margin-bottom: 2.5rem;
    animation: fadeUp 0.6s 0.18s ease both;
  }
  .hero-btn {
    background: var(--blue); color: white;
    padding: 1rem 2.5rem; border-radius: 6px;
    font-size: 1rem; font-weight: 700; border: none; cursor: pointer;
    transition: all 0.2s; display: inline-block;
    animation: fadeUp 0.6s 0.26s ease both;
  }
  .hero-btn:hover { background: var(--blue-dark); transform: translateY(-2px); }

  /* HERO RIGHT — India Map */
  .hero-right {
    display: flex; align-items: center; justify-content: center;
    animation: fadeUp 0.7s 0.15s ease both;
  }
  .india-map {
    width: 100%; max-width: 460px; height: auto;
    object-fit: contain;
    filter: drop-shadow(0 12px 36px rgba(0,0,0,0.13));
    border-radius: 12px;
  }

  /* TOPICS */
  .topics-section { background: var(--white); padding: 3.5rem 2rem; border-bottom: 1px solid var(--gray-mid); }
  .topics-inner { max-width: 1150px; margin: 0 auto; }
  .topics-header { text-align: center; margin-bottom: 2rem; }
  .sec-label { font-size: 0.74rem; font-weight: 700; letter-spacing: 2.5px; color: var(--blue); text-transform: uppercase; margin-bottom: 0.5rem; }
  .sec-title { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 3vw, 2.4rem); font-weight: 900; color: var(--navy); line-height: 1.15; margin-bottom: 0.7rem; }
  .sec-sub { color: var(--muted); font-size: 0.97rem; line-height: 1.75; max-width: 500px; margin: 0 auto; }
  .topics-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; }
  .topic-card {
    background: white; border: 1.5px solid var(--gray-mid);
    border-radius: var(--radius); padding: 1.8rem 1.2rem;
    cursor: pointer; transition: all 0.25s; text-align: center;
    position: relative; overflow: hidden;
  }
  .topic-card::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: var(--blue); transform: scaleX(0); transition: transform 0.3s; }
  .topic-card:hover { border-color: var(--blue); transform: translateY(-5px); box-shadow: var(--shadow); }
  .topic-card:hover::after { transform: scaleX(1); }
  .t-wrap { width: 54px; height: 54px; border-radius: 14px; background: var(--blue-light); margin: 0 auto 1rem; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; transition: background 0.2s; }
  .topic-card:hover .t-wrap { background: var(--blue); }
  .t-name { font-weight: 700; font-size: 0.95rem; color: var(--navy); margin-bottom: 0.3rem; }
  .t-count { font-size: 0.77rem; color: var(--muted); line-height: 1.4; }

  /* TRUST BAR */
  .trust-bar { background: var(--navy); padding: 1rem 2rem; display: flex; align-items: center; justify-content: center; gap: 3rem; flex-wrap: wrap; }
  .trust-item { display: flex; align-items: center; gap: 0.5rem; font-size: 0.83rem; color: rgba(255,255,255,0.65); font-weight: 500; }
  .tdot { width: 6px; height: 6px; border-radius: 50%; background: var(--blue); flex-shrink: 0; }

  /* GENERAL SECTION */
  .section { padding: 5rem 2rem; }
  .section-inner { max-width: 1150px; margin: 0 auto; }

  /* TIMELINE */
  .timeline-section { background: var(--gray); }
  .tl-header { margin-bottom: 3rem; }
  .timeline { max-width: 700px; margin: 0 auto; display: flex; flex-direction: column; position: relative; }
  .timeline::before { content: ''; position: absolute; left: 27px; top: 0; bottom: 0; width: 2px; background: linear-gradient(to bottom, var(--blue), var(--blue-mid)); }
  .tl-item { display: flex; gap: 2rem; align-items: flex-start; padding: 1.8rem 0; opacity: 0; transform: translateY(18px); transition: all 0.5s; }
  .tl-item.vis { opacity: 1; transform: translateY(0); }
  .tl-num { width: 56px; height: 56px; min-width: 56px; background: var(--blue); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.1rem; z-index: 1; box-shadow: 0 0 0 6px var(--gray); flex-shrink: 0; }
  .tl-body { padding-top: 0.7rem; }
  .tl-body h3 { font-weight: 700; font-size: 1rem; color: var(--navy); margin-bottom: 0.4rem; }
  .tl-body p { font-size: 0.88rem; color: var(--muted); line-height: 1.7; }
  .tl-tag { display: inline-block; background: var(--blue-light); color: var(--blue); font-size: 0.73rem; font-weight: 700; padding: 0.2rem 0.7rem; border-radius: 100px; margin-top: 0.6rem; }

  /* STORIES */
  .stories-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 1.5rem; }
  .story-card { background: white; border: 1.5px solid var(--gray-mid); border-radius: var(--radius); padding: 2rem; transition: box-shadow 0.2s; }
  .story-card:hover { box-shadow: var(--shadow); }
  .s-stars { color: #f5a623; font-size: 0.82rem; margin-bottom: 0.8rem; }
  .s-quote { font-family: 'Playfair Display', serif; font-size: 3.5rem; color: var(--blue-mid); line-height: 1; margin-bottom: 0.3rem; }
  .s-text { font-size: 0.93rem; color: var(--text); line-height: 1.78; margin-bottom: 1.5rem; font-style: italic; }
  .s-author { display: flex; align-items: center; gap: 0.9rem; }
  .s-avatar { width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.95rem; color: white; flex-shrink: 0; }
  .s-name { font-weight: 700; font-size: 0.88rem; color: var(--navy); }
  .s-info { font-size: 0.78rem; color: var(--muted); margin-top: 1px; }

  /* COMMUNITY */
  .comm-section { background: var(--gray); }
  .comm-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.2rem; }
  .comm-card { background: white; border: 1.5px solid var(--gray-mid); border-radius: var(--radius); padding: 1.8rem; text-align: center; transition: all 0.2s; text-decoration: none; display: block; }
  .comm-card:hover { border-color: var(--blue); transform: translateY(-4px); box-shadow: var(--shadow); }
  .comm-icon { font-size: 2.4rem; margin-bottom: 0.9rem; }
  .comm-name { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
  .comm-desc { font-size: 0.8rem; color: var(--muted); margin-top: 0.3rem; line-height: 1.5; }
  .comm-tag { display: inline-block; background: var(--blue-light); color: var(--blue); font-size: 0.72rem; font-weight: 700; padding: 0.15rem 0.6rem; border-radius: 100px; margin-top: 0.7rem; }

  /* CTA */
  .cta-section { background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%); padding: 5rem 2rem; text-align: center; position: relative; overflow: hidden; }
  .cta-section::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='30' cy='30' r='1.5' fill='white' fill-opacity='0.06'/%3E%3C/svg%3E"); }
  .cta-section h2 { font-family: 'Playfair Display', serif; font-size: 2.6rem; color: white; margin-bottom: 1rem; position: relative; }
  .cta-section p { color: rgba(255,255,255,0.85); font-size: 1rem; max-width: 480px; margin: 0 auto 2rem; line-height: 1.75; position: relative; }
  .btn-white { background: white; color: var(--blue); padding: 0.9rem 2.2rem; border-radius: 10px; font-size: 0.97rem; font-weight: 700; border: none; cursor: pointer; transition: all 0.2s; position: relative; box-shadow: 0 8px 24px rgba(0,0,0,0.12); }
  .btn-white:hover { transform: translateY(-2px); }

  /* FEEDBACK */
  .feedback-section { background: var(--off-white); border-top: 1px solid var(--gray-mid); }
  .feedback-card { background: white; border: 1.5px solid var(--gray-mid); border-radius: 20px; padding: 3rem 2.5rem; box-shadow: var(--shadow-soft); max-width: 680px; margin: 0 auto; }
  .feedback-card h3 { font-family: 'Playfair Display', serif; font-size: 1.85rem; color: var(--navy); margin-bottom: 0.4rem; }
  .feedback-card .fsub { color: var(--muted); font-size: 0.9rem; margin-bottom: 2rem; }
  .rlabel { font-size: 0.83rem; font-weight: 700; color: var(--text); margin-bottom: 0.7rem; }
  .rating-row { display: flex; gap: 0.6rem; flex-wrap: wrap; margin-bottom: 1.8rem; }
  .rBtn { padding: 0.55rem 1rem; border-radius: 8px; border: 1.5px solid var(--gray-mid); background: white; cursor: pointer; font-size: 0.88rem; font-weight: 600; color: var(--muted); transition: all 0.2s; font-family: 'Inter', sans-serif; }
  .rBtn:hover, .rBtn.active { border-color: var(--blue); background: var(--blue-light); color: var(--blue); }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
  .fg { margin-bottom: 1rem; }
  .fg label { display: block; font-size: 0.82rem; font-weight: 700; color: var(--text); margin-bottom: 0.4rem; }
  .fg textarea, .fg input, .fg select { width: 100%; padding: 0.7rem 1rem; border: 1.5px solid var(--gray-mid); border-radius: 10px; font-family: 'Inter', sans-serif; font-size: 0.88rem; color: var(--text); background: var(--off-white); outline: none; transition: border-color 0.2s; resize: vertical; }
  .fg textarea:focus, .fg input:focus, .fg select:focus { border-color: var(--blue); background: white; }
  .submit-btn { width: 100%; background: var(--blue); color: white; padding: 0.9rem; border-radius: 10px; border: none; font-size: 0.97rem; font-weight: 700; cursor: pointer; transition: all 0.2s; font-family: 'Inter', sans-serif; box-shadow: 0 4px 14px rgba(26,111,212,0.22); }
  .submit-btn:hover { background: var(--blue-dark); transform: translateY(-1px); }
  .privacy-note { font-size: 0.75rem; color: var(--muted); text-align: center; margin-top: 0.8rem; }

  /* FOOTER */
  footer { background: var(--navy); color: rgba(255,255,255,0.65); padding: 3.5rem 2rem 1.5rem; }
  .fi { max-width: 1150px; margin: 0 auto; }
  .ft { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem; margin-bottom: 3rem; }
  .flogo { font-family: 'Playfair Display', serif; font-size: 1.35rem; color: white; font-weight: 900; margin-bottom: 0.8rem; }
  .flogo em { color: var(--blue); font-style: normal; }
  .fdesc { font-size: 0.85rem; line-height: 1.75; max-width: 250px; }
  .fc h4 { color: white; font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1.2rem; }
  .fc a { display: block; color: rgba(255,255,255,0.55); font-size: 0.85rem; text-decoration: none; margin-bottom: 0.55rem; transition: color 0.2s; }
  .fc a:hover { color: white; }
  .fb { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem; display: flex; justify-content: space-between; align-items: center; font-size: 0.8rem; color: rgba(255,255,255,0.35); flex-wrap: wrap; gap: 0.5rem; }

  /* ── BANKING PAGE ── */
  .page-hero { background: linear-gradient(135deg, #f0f6ff 0%, #e4effc 100%); padding: 3.5rem 2rem 2.5rem; border-bottom: 1px solid var(--gray-mid); }
  .phi { max-width: 1150px; margin: 0 auto; }
  .breadcrumb { font-size: 0.82rem; color: var(--muted); margin-bottom: 1rem; }
  .breadcrumb a { color: var(--blue); text-decoration: none; }
  .page-hero h1 { font-family: 'Playfair Display', serif; font-size: 2.6rem; color: var(--navy); margin-bottom: 0.6rem; }
  .page-hero p { color: var(--muted); font-size: 1rem; max-width: 560px; line-height: 1.75; }

  .prog-nav { background: white; border-bottom: 1px solid var(--gray-mid); position: sticky; top: 66px; z-index: 100; padding: 0 2rem; }
  .prog-nav-in { max-width: 1150px; margin: 0 auto; display: flex; }
  .ptab { padding: 1rem 1.3rem; font-size: 0.85rem; font-weight: 600; color: var(--muted); border-bottom: 2px solid transparent; cursor: pointer; transition: all 0.2s; background: none; border-top: none; border-left: none; border-right: none; font-family: 'Inter', sans-serif; white-space: nowrap; }
  .ptab:hover { color: var(--blue); }
  .ptab.active { color: var(--blue); border-bottom-color: var(--blue); }

  .blayout { display: grid; grid-template-columns: 240px 1fr; gap: 2.5rem; max-width: 1150px; margin: 0 auto; padding: 2.5rem 2rem; }
  .smenu { background: white; border: 1.5px solid var(--gray-mid); border-radius: var(--radius); overflow: hidden; position: sticky; top: 130px; height: fit-content; }
  .stitle { padding: 0.9rem 1.2rem; font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--muted); border-bottom: 1px solid var(--gray-mid); background: var(--gray); }
  .slink { display: flex; align-items: center; gap: 0.6rem; padding: 0.85rem 1.2rem; font-size: 0.87rem; font-weight: 600; color: var(--muted); border-left: 3px solid transparent; transition: all 0.18s; cursor: pointer; border-bottom: 1px solid var(--gray-mid); background: none; width: 100%; text-align: left; font-family: 'Inter', sans-serif; }
  .slink:last-child { border-bottom: none; }
  .slink:hover { color: var(--blue); background: var(--blue-light); border-left-color: var(--blue); }
  .slink.active { color: var(--blue); background: var(--blue-light); border-left-color: var(--blue); }

  .bsec { display: none; }
  .bsec.active { display: block; }

  .icard { background: white; border: 1.5px solid var(--gray-mid); border-radius: var(--radius); padding: 2rem; margin-bottom: 1.5rem; }
  .icard h3 { font-weight: 700; font-size: 1.05rem; color: var(--navy); margin-bottom: 0.7rem; }
  .icard p { font-size: 0.91rem; color: var(--muted); line-height: 1.78; margin-bottom: 0.7rem; }
  .icard p:last-child { margin-bottom: 0; }

  .slist { display: flex; flex-direction: column; gap: 1rem; }
  .sitem { display: flex; gap: 1rem; align-items: flex-start; background: white; border: 1.5px solid var(--gray-mid); border-radius: 12px; padding: 1.3rem; transition: border-color 0.2s; }
  .sitem:hover { border-color: var(--blue); }
  .sbadge { width: 34px; height: 34px; min-width: 34px; background: var(--blue); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 0.85rem; flex-shrink: 0; }
  .sbody h4 { font-weight: 700; font-size: 0.93rem; color: var(--navy); margin-bottom: 0.3rem; }
  .sbody p { font-size: 0.85rem; color: var(--muted); line-height: 1.68; }

  .acc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; margin-top: 1.5rem; }
  .acard { border-radius: 14px; padding: 1.5rem; border: 1.5px solid var(--gray-mid); position: relative; background: white; }
  .acard.hl { border-color: var(--blue); background: var(--blue-light); }
  .abadge { position: absolute; top: 0.8rem; right: 0.8rem; font-size: 0.68rem; font-weight: 700; padding: 0.18rem 0.55rem; border-radius: 100px; background: var(--blue); color: white; }
  .atype { font-weight: 800; font-size: 1rem; color: var(--navy); margin-bottom: 0.2rem; }
  .afull { font-size: 0.76rem; color: var(--muted); margin-bottom: 1rem; }
  .af { display: flex; align-items: flex-start; gap: 0.45rem; font-size: 0.81rem; color: var(--text); margin-bottom: 0.38rem; line-height: 1.4; }
  .af .ck { color: var(--green); flex-shrink: 0; }
  .af .cx { color: #e53e3e; flex-shrink: 0; }

  .tipbox { background: #fffbeb; border: 1.5px solid #f6d860; border-radius: 12px; padding: 1.1rem 1.4rem; margin-top: 1.2rem; display: flex; gap: 0.8rem; }
  .tiptxt { font-size: 0.87rem; color: #7a5e00; line-height: 1.68; }

  .dlbanner { background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%); border-radius: var(--radius); padding: 2rem; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 1.5rem; }
  .dlbanner h3 { color: white; font-weight: 700; font-size: 1rem; margin-bottom: 0.2rem; }
  .dlbanner p { color: rgba(255,255,255,0.8); font-size: 0.83rem; }
  .dlbtn { background: white; color: var(--blue); padding: 0.65rem 1.4rem; border-radius: 8px; font-weight: 700; font-size: 0.88rem; border: none; cursor: pointer; white-space: nowrap; text-decoration: none; display: inline-block; }
  .dlbtn:hover { background: var(--off-white); }

  /* CHATBOT */
  .chatfab { position: fixed; bottom: 2rem; right: 2rem; width: 56px; height: 56px; border-radius: 50%; background: var(--blue); color: white; border: none; cursor: pointer; font-size: 1.4rem; box-shadow: 0 6px 24px rgba(26,111,212,0.4); z-index: 500; transition: all 0.2s; display: flex; align-items: center; justify-content: center; }
  .chatfab:hover { background: var(--blue-dark); transform: scale(1.08); }
  .chatfab { cursor: grab; }
  .chatfab:active { cursor: grabbing; transform: scale(0.95); }
  .chatpanel { position: fixed; bottom: 5.5rem; right: 2rem; width: 340px; background: white; border-radius: 18px; border: 1.5px solid var(--gray-mid); box-shadow: 0 20px 60px rgba(0,0,0,0.13); z-index: 500; display: none; flex-direction: column; max-height: 480px; overflow: hidden; }
  .chatpanel.open { display: flex; }
  .chatheader { cursor: grab; user-select: none; }
  .chatheader:active { cursor: grabbing; }
  .chat-status-dot { width:7px; height:7px; border-radius:50%; background:#4ade80; display:inline-block; animation:pulse-dot 2s infinite; }
  @keyframes pulse-dot { 0%,100%{opacity:1} 50%{opacity:0.4} }
  .cmsg.thinking { background: var(--gray); color: var(--muted); font-style:italic; font-size:0.8rem; }
  .chatheader { background: var(--blue); padding: 1rem 1.2rem; display: flex; align-items: center; justify-content: space-between; }
  .chatheader h4 { color: white; font-weight: 700; font-size: 0.93rem; }
  .chatheader span { color: rgba(255,255,255,0.75); font-size: 0.75rem; }
  .chatclose { background: none; border: none; color: white; cursor: pointer; font-size: 1.2rem; }
  .chatmsgs { flex: 1; overflow-y: auto; padding: 1rem; display: flex; flex-direction: column; gap: 0.7rem; }
  .cmsg { max-width: 82%; padding: 0.65rem 0.9rem; border-radius: 12px; font-size: 0.86rem; line-height: 1.55; }
  .cmsg.bot { background: var(--gray); color: var(--text); align-self: flex-start; border-radius: 12px 12px 12px 3px; }
  .cmsg.user { background: var(--blue); color: white; align-self: flex-end; border-radius: 12px 12px 3px 12px; }
  .chatsugs { padding: 0 0.8rem 0.5rem; display: flex; flex-direction: column; gap: 0.35rem; }
  .csug { background: var(--blue-light); color: var(--blue); border: 1px solid var(--blue-mid); border-radius: 8px; padding: 0.38rem 0.8rem; font-size: 0.79rem; font-weight: 600; cursor: pointer; text-align: left; transition: all 0.15s; font-family: 'Inter', sans-serif; }
  .csug:hover { background: var(--blue); color: white; }
  .chatinputrow { display: flex; gap: 0.5rem; padding: 0.8rem; border-top: 1px solid var(--gray-mid); }
  .chatinput { flex: 1; padding: 0.6rem 0.9rem; border-radius: 8px; border: 1.5px solid var(--gray-mid); font-family: 'Inter', sans-serif; font-size: 0.86rem; outline: none; }
  .chatinput:focus { border-color: var(--blue); }
  .chatsend { background: var(--blue); color: white; border: none; border-radius: 8px; padding: 0.6rem 0.9rem; cursor: pointer; font-size: 1rem; }

  /* ── CHECKLIST MODAL ── */
  .cl-overlay { position:fixed; inset:0; background:rgba(13,31,60,0.55); z-index:600; display:none; align-items:center; justify-content:center; padding:1rem; }
  .cl-overlay.open { display:flex; }
  .cl-modal { background:white; border-radius:20px; width:100%; max-width:580px; max-height:88vh; display:flex; flex-direction:column; box-shadow:0 24px 64px rgba(0,0,0,0.18); overflow:hidden; }
  .cl-header { background:var(--blue); padding:1.4rem 1.6rem; display:flex; align-items:center; justify-content:space-between; flex-shrink:0; }
  .cl-header h3 { color:white; font-family:'Playfair Display',serif; font-size:1.25rem; margin:0; }
  .cl-header p { color:rgba(255,255,255,0.8); font-size:0.8rem; margin:0.2rem 0 0; }
  .cl-close { background:none; border:none; color:white; font-size:1.4rem; cursor:pointer; padding:0.2rem 0.5rem; border-radius:6px; }
  .cl-close:hover { background:rgba(255,255,255,0.15); }
  .cl-progress-bar { background:rgba(255,255,255,0.25); height:6px; border-radius:3px; margin-top:0.8rem; }
  .cl-progress-fill { background:white; height:100%; border-radius:3px; transition:width 0.3s; }
  .cl-progress-label { color:rgba(255,255,255,0.85); font-size:0.75rem; margin-top:0.4rem; }
  .cl-body { overflow-y:auto; padding:1.2rem 1.6rem; flex:1; }
  .cl-section-title { font-size:0.72rem; font-weight:700; letter-spacing:2px; text-transform:uppercase; color:var(--muted); margin:1.2rem 0 0.6rem; padding-bottom:0.4rem; border-bottom:1px solid var(--gray-mid); }
  .cl-section-title:first-child { margin-top:0; }
  .cl-item { display:flex; align-items:flex-start; gap:0.75rem; padding:0.65rem 0.8rem; border-radius:10px; cursor:pointer; transition:background 0.15s; margin-bottom:0.2rem; }
  .cl-item:hover { background:var(--blue-light); }
  .cl-item.done { opacity:0.55; }
  .cl-item.done .cl-text { text-decoration:line-through; color:var(--muted); }
  .cl-checkbox { width:20px; height:20px; min-width:20px; border:2px solid var(--blue-mid); border-radius:5px; display:flex; align-items:center; justify-content:center; font-size:0.75rem; color:white; background:white; transition:all 0.2s; flex-shrink:0; margin-top:1px; }
  .cl-item.done .cl-checkbox { background:var(--blue); border-color:var(--blue); }
  .cl-text { font-size:0.88rem; color:var(--text); line-height:1.55; }
  .cl-text strong { font-weight:700; color:var(--navy); }
  .cl-footer { padding:1rem 1.6rem; border-top:1px solid var(--gray-mid); display:flex; gap:0.8rem; flex-shrink:0; flex-wrap:wrap; align-items:center; }
  .cl-btn-print { background:var(--blue); color:white; border:none; border-radius:9px; padding:0.65rem 1.3rem; font-size:0.88rem; font-weight:700; cursor:pointer; font-family:'Inter',sans-serif; }
  .cl-btn-print:hover { background:var(--blue-dark); }
  .cl-btn-reset { background:var(--gray); color:var(--muted); border:none; border-radius:9px; padding:0.65rem 1.1rem; font-size:0.88rem; font-weight:600; cursor:pointer; font-family:'Inter',sans-serif; }
  .cl-btn-reset:hover { background:var(--gray-mid); color:var(--text); }
  @keyframes fadeUp { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: translateY(0); } }

  @media (max-width: 1024px) {
    .nav-item-btn { padding: 0 0.7rem; font-size: 0.82rem; }
  }
  @media (max-width: 900px) {
    .hero-inner { grid-template-columns: 1fr; }
    .hero-right { min-height: 320px; }
    .topics-grid { grid-template-columns: repeat(3, 1fr); }
    .ft { grid-template-columns: 1fr 1fr; }
    .blayout { grid-template-columns: 1fr; }
    .smenu { position: static; }
    .form-row { grid-template-columns: 1fr; }
    .nav-item-btn span.nav-label { display: none; }
  }
  @media (max-width: 600px) {
    .topics-grid { grid-template-columns: repeat(2, 1fr); }
    .chatpanel { width: calc(100vw - 2rem); right: 1rem; }
    nav { padding: 0 1rem; }
  }