/* ===== 1. GLOBAL BEHAVIOR ===== */
html {
    scroll-behavior: smooth;
}

/* ===== Design System Variables ===== */

:root {
  /* Brand Colors */
  
  --premium-accent: #c8a96a;
--premium-glow: rgba(200,169,106,0.25);
 --primary-blue: #2c3e50;
--dark-blue: #1f2d3a;
  --danger-red: #d60000;
  --light-blue-bg: #f4f8ff;
  --card-border: #e6ecf5;
  --text-dark: #1a1a1a;
  --text-light: #5b6475;

  /* Shadows */
  --shadow-soft: 0 12px 28px rgba(0, 0, 0, 0.08);
  --shadow-light: 0 8px 18px rgba(0, 0, 0, 0.06);

  /* Radius */
  --radius-md: 14px;

  /* Spacing Scale */
  --space-xs: 6px;
  --space-sm: 10px;
  --space-md: 18px;
  --space-lg: 24px;
}

/* ======================================
   UNIVERSAL BANK THEME ENGINE
====================================== */

body {
  font-family:"Inter","Segoe UI",Arial,sans-serif;
  margin:0;
  color:var(--text-dark);
background: radial-gradient(
  circle at top left,
  #eef2ff 0%,
  #f9fbff 35%,
  #ffffff 70%
);
}

body[class*="theme-"] {
  background: radial-gradient(
    circle at top left,
    var(--theme-bg-light, #eef4ff) 0%,
    var(--theme-bg-mid, #f6f9ff) 35%,
    #ffffff 70%
  );
}

html {
    scroll-behavior: smooth;
}

/* ================= HERO HEADER ================= */

.page-header {
	position: relative;
	backdrop-filter: saturate(120%);
background: linear-gradient(
    135deg,
    var(--dark-blue) 0%,
    var(--primary-blue) 55%,
    var(--primary-blue) 100%
);
    color: #ffffff;
    padding: 70px 55px;
    border-radius: 16px;
    margin-bottom: 22px;
    box-shadow: 0 25px 60px rgba(0,0,0,0.18);
    overflow: hidden;
}
.page-header a {
    color: #ffd866;
    font-weight: 600;
}
.page-header h1 {
  text-shadow: 0 4px 18px rgba(0,0,0,0.25);
}
.page-header .updated-text {
  letter-spacing: 0.3px;
}
.page-header::after {
    content: "";
    position: absolute;
    top: -80px;
    right: -80px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(255,255,255,0.15), transparent 70%);
    pointer-events: none;
}
.page-header .intro-text {
    font-size: 18px;
    line-height: 1.75;
    opacity: 0.95;
    margin-top: 20px;
}
.trust-line {
  margin-top: 18px;
  font-size: 15px;
  line-height: 1.6;
  opacity: 0.95;
}

.page-header .breadcrumb {
  font-size: 15px;
  margin-bottom: 12px;
}
.page-header .breadcrumb a {
  color: #ffffff;
  opacity: 0.9;
}
.page-header .breadcrumb a::after {
  color: rgba(255,255,255,0.7);
}
.page-header .breadcrumb span {
  color: #ffffff;
  font-weight: 600;
}

/* ================= HEADER NAVIGATION ================= */

.emergency-nav {
    display: flex;
    gap: 15px;
    margin-top: 15px;
    margin-bottom: 30px;
    align-items: center;
    flex-wrap: wrap;
}

.nav-btn {
  padding: 12px 26px;
  font-size: 14px;
  font-weight: 600;
  border-radius: 30px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 170px;
  transition: all 0.3s ease;
  background: linear-gradient(135deg, var(--accent-red), #ff4a65);
  color: #ffffff;
  box-shadow: 0 10px 25px rgba(229,57,53,0.35);
}

.nav-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 40px rgba(229,57,53,0.45);
}

/* ================= TRUST STRIP ================= */

.trust-strip {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 12px;
    margin: 30px 0 40px 0;
}
.trust-item {
    background: #ffffff;
    padding: 16px;
    text-align: center;
    border-radius: 12px;
    font-size: 14px;
    font-weight: 600;
    color: var(--dark-blue);
    box-shadow: 0 6px 18px rgba(0,0,0,0.05);
    border: 1px solid rgba(0,0,0,0.05);
}

/* ================= SECTION DIVIDER ================= */

.section-divider {
  height: 1px;
  background: linear-gradient(
    to right,
    transparent,
    rgba(44,62,80,0.2),
    transparent
  );
  margin: 60px 0;
}

/* ================= EMERGENCY SECTION ================= */

.upi-emergency-wrapper {
    background: #ffffff;
    border-radius: 16px;
    padding: 35px 40px;
    margin: 50px 0;
    box-shadow: 0 18px 40px rgba(0,0,0,0.06);
}

.upi-header {
    display: inline-block;
    background: var(--light-blue-bg);
    color: var(--dark-blue);
    padding: 10px 20px;
    border-radius: 30px;
    font-size: 15px;
    font-weight: 600;
    margin-bottom: 20px;
}

.emergency-badge {
    background: #ffffff;
    color: var(--accent-red);
    font-size: 10px;
    font-weight: 700;
    padding: 4px 8px;
    border-radius: 15px;
    margin-right: 6px;
}

.upi-title {
    font-size: 34px;
    margin-bottom: 20px;
    font-weight: 700;
    color: #111;
}

.last-updated {
    font-size: 13px;
    color: #5b6475;
    margin-bottom: 20px;
    font-weight: 500;
}

.step-box {
  position: relative;
  background: #ffffff;
  border-radius: 16px;
  padding: 20px 28px 20px 85px;
  margin-bottom: 24px;
  box-shadow: 0 12px 30px rgba(0,0,0,0.10);
}

.steps {
  counter-reset: step-counter;
}

.steps .step-box {
  position: relative;
  counter-increment: step-counter;
}

.steps .step-box::before {
  content: counter(step-counter);
  position: absolute;
  left: 32px;
  top: 22px;
  transform: none;
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--primary-blue), var(--dark-blue));
  color: #ffffff;
  border-radius: 50%;
  font-size: 17px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 20px rgba(10,42,102,0.35);
}
 
.card a:not(.primary-cta) {
    text-decoration: none;
    font-weight: 600;
    color: var(--primary-blue);
}
.card a:hover {
    text-decoration: underline;
}

.footer {
    text-align: center;
    margin-top: 50px;
    font-size: 13px;
    color: #5b6475;
}

@media (max-width: 768px) {
  body { padding-bottom: 60px; }
  .page-header { padding: 45px 25px; }
  .page-header h1 { font-size: 26px; }
  .mobile-sticky-cta { display: flex; }
  .upi-emergency-wrapper { padding: 25px; }
  .upi-title { font-size: 22px; }
  .card, .step-box { font-size: 15px; }
  .trust-strip { grid-template-columns: repeat(2, 1fr); }
  .emergency-nav { flex-direction: column; align-items: stretch; }
  .nav-btn { width: 100%; }
  .safety-grid { grid-template-columns: 1fr; }
}

.safety-section {
    background: linear-gradient(180deg, #f8fbff, #ffffff);
    padding: 50px 40px;
    border-radius: 16px;
    margin: 60px 0;
}
.safety-title {
    font-size: 30px;
    margin-bottom: 30px;
    font-weight: 700;
    color: var(--dark-blue);
    text-align: center;
}
.safety-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}
.safety-card {
    background: #ffffff;
    padding: 20px;
    border-radius: 12px;
    border: 1px solid #e0f0eb;
    font-size: 16px;
    transition: 0.2s ease;
}
.safety-card:hover {
    box-shadow: 0 8px 20px rgba(0,0,0,0.06);
    transform: translateY(-3px);
}
.safety-card strong {
    display: block;
    margin-bottom: 8px;
    font-size: 18px;
    color: #00695c;
}
  
 .escalation-table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 15px;
    font-size: 15px;
}
.escalation-highlight {
    border-left: 5px solid var(--primary-blue);
    background: #f8fbff;
}
 .escalation-table th,
.escalation-table td {
    border: 1px solid rgba(0,0,0,0.06);
    padding: 10px;
    text-align: left;
}
.escalation-table th {
    background: #eaf2ff;
    font-weight: 600;
}
.escalation-table tr:nth-child(even) {
    background: #f4f8ff;
}
.escalation-highlight h3 {
    margin-top: 10px;
    font-size: 18px;
}

.premium-table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 20px;
    background: #ffffff;
    border: 2px solid var(--primary-blue);
}
.premium-table thead th {
    background: var(--primary-blue);
    color: #ffffff;
    padding: 12px;
    font-weight: 600;
    border-right: 1px solid #ffffff;
}
.premium-table thead th:last-child {
    border-right: none;
}
.premium-table td {
    padding: 12px;
    border-top: 1px solid #d9e2ff;
    border-right: 1px solid #d9e2ff;
    font-size: 15px;
}
.premium-table td:last-child {
    border-right: none;
}
.premium-table tr:nth-child(even) {
    background: var(--light-blue-bg);
}
.premium-table tr:hover {
    background: #eaf1ff;
}

.table-wrapper {
    overflow-x: auto;
}
.premium-service {
    width: 100%;
    border-collapse: collapse;
    border: 2px solid var(--primary-blue);
    margin-top: 15px;
    font-size: 15px;
}
.premium-service thead {
    background: var(--primary-blue);
    color: #ffffff;
}
.premium-service th,
.premium-service td {
    padding: 12px;
    border: 1px solid #d9e2ff;
    text-align: left;
}
.premium-service tr:nth-child(even) {
    background: var(--light-blue-bg);
}
.premium-service tr:hover {
    background: #f1f5f9;
}
.emergency-row {
    background: #ffeaea !important;
    font-weight: 600;
}

.call-btn {
    display: inline-block;
    background: var(--primary-blue);
    color: #fff;
    padding: 6px 12px;
    border-radius: 6px;
    text-decoration: none;
    font-size: 13px;
    margin-right: 5px;
}
.call-btn:hover {
    filter: brightness(0.85);
}
.emergency-call {
    box-shadow: 0 6px 16px rgba(214,0,0,0.35);
}
.emergency-call:hover {
    filter: brightness(0.85);
}
.call-btn,
.call-btn:visited,
.call-btn:active,
.call-btn:hover {
    color: #ffffff !important;
}
.copy-btn {
    padding: 6px 10px;
    font-size: 13px;
    border-radius: 6px;
    border: 1px solid rgba(0,0,0,0.08);
    cursor: pointer;
    background: linear-gradient(180deg,#ffffff,#f4f8ff);
}
.copy-btn:hover {
    background: #f4f4f4;
}

.table-disclaimer {
    margin-top: 15px;
    font-size: 13px;
    color: var(--text-light);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.service-box {
    background: #ffffff;
    border: 1px solid #e6ecf5;
    border-radius: 14px;
    padding: 20px;
    box-shadow: 0 8px 20px rgba(0,0,0,0.04);
    transition: all 0.25s ease;
}

.service-box:hover {
    transform: translateY(-5px);
    box-shadow: 0 18px 40px rgba(0,0,0,0.08);
}

 .service-box h3 {
    font-size: 17px;
    margin-bottom: 8px;
}

.other-banks-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 12px;
}
.bank-link {
    display: block;
    padding: 12px;
    background: var(--light-blue-bg);
    border-radius: 8px;
    text-decoration: none;
    color: var(--primary-blue);
    font-weight: 500;
    transition: 0.2s ease;
}
.bank-link:hover {
    background: #eaf1ff;
    transform: translateX(3px);
}

.mobile-sticky-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background: var(--dark-blue);
    padding: 8px;
    z-index: 1000;
}

.card {
  background: linear-gradient(145deg, #ffffff, #f4f8ff);
  backdrop-filter: blur(6px);
  border-radius: 20px;
  border: 1px solid rgba(0,0,0,0.06);
  padding: 34px 38px;
  box-shadow: 
    0 18px 45px rgba(0,0,0,0.07),
    inset 0 1px 0 rgba(255,255,255,0.6);
  transition: all 0.35s cubic-bezier(.4,0,.2,1);
}

.card:hover {
  transform: translateY(-8px) scale(1.015);
  box-shadow: 
    0 40px 90px rgba(0,0,0,0.12),
    0 12px 30px rgba(0,0,0,0.08);
}
.card p,
.card li {
    font-size: 17px;
    line-height: 1.65;
    color: #334155;   /* FIX: prevents invisible text anywhere */
    margin-bottom: 8px;
}

.quick-summary,
.card {
  color: #1e293b;
}

.resolution-section .card {
    border-left: 5px solid var(--primary-blue);
    background: #f8fbff;
}
.resolution-section ul {
    margin-top: 10px;
}
.resolution-section li {
    margin-bottom: 6px;
}
  
.subtle-text {
  font-weight: 500;
  font-size: 0.75em;
  color: #5b6475;
}
.phone-link {
    color: var(--dark-blue);
    font-weight: 600;
    text-decoration: none;
}

.helpline-numbers {
    margin-top: 15px;
    padding: 15px;
    background: var(--light-blue-bg);
    border-left: 4px solid var(--dark-blue);
    border-radius: 8px;
    display: block;
max-width: 350px;
}
.helpline-numbers a {
    display: block;
    font-size: 16px;
    font-weight: 600;
    color: var(--dark-blue);
    text-decoration: none;
    margin-bottom: 6px;
}
.helpline-numbers a:last-child {
    margin-bottom: 0;
}
.helpline-numbers a:hover {
    text-decoration: underline;
}
.phone-link:hover {
    text-decoration: underline;
}

.info-section:nth-of-type(even) .card {
    background: linear-gradient(180deg, #f8fbff, #ffffff);
    border: 1px solid #e6ecff;
}

.info-section h2{
position:relative;
padding-left:22px;
padding-bottom:10px;
margin-bottom:22px;
font-size:30px;
font-weight:700;
letter-spacing:-0.4px;
line-height:1.3;
color:var(--dark-blue);
}
.info-section h2::before {
    content: "";
    position: absolute;
    left: 0;
    top: 8px;
    width: 6px;
    height: 24px;
    background: linear-gradient(180deg,var(--primary-blue),var(--dark-blue));
    border-radius: 4px;
}

.alert-heading {
    color: var(--accent-red);
}
#no-refund .card {
    background: #fff6f6;
    border-left: 6px solid var(--accent-red);
    box-shadow: 0 8px 20px rgba(229, 57, 53, 0.08);
}

 
.top-emergency-strip {
    background: linear-gradient(135deg,#fff5f5,#ffecec);
    border: 1px solid #ffd2d2;
    border-left: 6px solid var(--accent-red);
    padding: 14px 18px;
    border-radius: 10px;
    margin-bottom: 25px;
    font-size: 15px;
}
.top-emergency-strip strong {
    color: #b00020;
}
.top-emergency-strip a {
    color: var(--accent-red);
    font-weight: 600;
    text-decoration: underline;
}

.alert-strip {
    padding: 16px 20px;
    border-radius: 12px;
    margin-bottom: 25px;
    font-size: 15px;
    border-left: 6px solid;
}
.alert-critical {
    background: #fff4f4;
    border-color: var(--accent-red);
    color: #7a0000;
}
.alert-warning {
    background: #fff8f1;
    border-color: #ff8c00;
    color: #8a4b00;
}
.alert-info {
    background: #f2f7ff;
    border-color: var(--primary-blue);
    color: var(--dark-blue);
}

.info-section h2::after {
    content: "";
    display: block;
    width: 40px;
    height: 2px;
    background: var(--primary-blue);
    margin-top: 4px;
    border-radius: 2px;
}
.card ul li::marker {
    color: var(--primary-blue);
    font-weight: 600;
}

.info-section{
margin:30px auto;
padding:0;
max-width:980px;
}
.container > .info-section:nth-of-type(even) {
    background: linear-gradient(180deg,#f8fbff,#eef4ff);
    border-radius: 20px;
    padding: 25px 0;
}
  
 .updated-text {
  font-size: 14px;
  opacity: 0.9;
}
.highlight-card {
  background: #f0f4ff;
  border-left: 4px solid var(--primary-blue);
}

.cluster-layout {
  max-width:1280px;
  margin:0 auto;
  padding:0;
  position:relative;
  z-index:2;
}

.breadcrumb {
  font-size: 13px;
  margin-bottom: 10px;
  color: var(--text-light);
}
.breadcrumb a {
  color: var(--primary-blue);
  text-decoration: none;
}
.breadcrumb a:hover {
  text-decoration: underline;
}
.breadcrumb a::after {
  content: " › ";
  color: #888;
}
.breadcrumb span {
  font-weight: 500;
  color: #333;
}

.page-header h1 {
    font-size: 40px;
    font-weight: 700;
    line-height: 1.15;
    letter-spacing: -0.5px;
    margin-bottom: 18px;
    color: #ffffff;
}

 .section-nav {
  display: flex;
  gap: 18px;
  margin-top: 20px;
  margin-bottom: 30px;
  flex-wrap: wrap;
}
.section-nav a {
  text-decoration: none;
  font-weight: 600;
  color: var(--primary-blue);
  padding-bottom: 4px;
  border-bottom: 2px solid transparent;
  transition: 0.2s ease;
}
.section-nav a:hover {
  border-color: var(--primary-blue);
}

.upi-emergency-wrapper .step-box strong::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 0;
  font-size: 18px;
  font-weight: bold;
  transition: 0.2s ease;
}
.upi-emergency-wrapper .step-box.active strong::after {
  content: "−";
}
 
.quick-summary {
    background: linear-gradient(145deg,#ffffff,#f4f8ff);
    border: 1px solid #dce6ff;
    border-left: 8px solid var(--primary-blue);
    border-radius: 22px;
    padding: 35px;
    margin-top: 30px;
    box-shadow: 0 25px 60px rgba(30,79,216,0.08);
}
.quick-summary ul {
    margin-top: 14px;
    padding-left: 18px;
}
.quick-summary li {
    margin-bottom: 12px;
    font-size: 18px;
    line-height: 1.7;
    color: #1f2937;     /* FIX: ensures text is visible */
    opacity: 1;         /* FIX: removes any fade */
    font-weight: 500;   /* improves readability */
}

.quick-summary li strong {
    color: #0f172a;
    font-weight: 700;
}
.quick-summary li strong {
    color: var(--dark-blue);
}

.premium-dark {
  background: radial-gradient(circle at top right, var(--primary-blue) 0%, var(--dark-blue) 70%);
  padding: 70px 40px;
  border-radius: 30px;
  margin: 60px 0;
  box-shadow: 0 35px 70px rgba(10,42,102,0.35);
  position: relative;
  overflow: hidden;
}
.premium-dark::after {
  content: "";
  position: absolute;
  top: -80px;
  right: -80px;
  width: 260px;
  height: 260px;
  background: radial-gradient(circle, rgba(255,255,255,0.12), transparent 70%);
}
.premium-dark h2 {
  color: #ffffff !important;
  font-size: 30px;
  font-weight: 700;
  margin-bottom: 40px;
  letter-spacing: -0.3px;
}
 .premium-dark h2::before {
  background: linear-gradient(180deg,#ffffff,#dce6ff);
}
.premium-dark h2::after {
  background: #ffffff;
}

 .cluster-layout .card {
  transition: all 0.25s ease;
}
.cluster-layout .card:hover {
  transform: translateY(-3px);
}
.premium-dark .step-box {
  background: #ffffff;
  border-radius: 18px;
  box-shadow: 0 20px 45px rgba(0,0,0,0.15);
}
.premium-dark .step-box strong {
  color: var(--dark-blue);
}
.premium-dark .step-box:hover {
  transform: translateY(-3px);
  transition: 0.3s ease;
}

.primary-cta {
  display: inline-block;
  padding: 14px 30px;
  background: linear-gradient(135deg, var(--primary-blue), var(--dark-blue));
  color: #ffffff !important;
  border-radius: 40px;
  font-weight: 700;
  font-size: 16px;
  text-decoration: none;
  position: relative;
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(0,0,0,0.2);
  transition: all 0.3s ease;
}

.primary-cta::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent, var(--premium-glow), transparent);
  opacity: 0;
  transition: 0.4s;
}

.primary-cta:hover::after {
  opacity: 1;
}

.primary-cta:hover {
  background: linear-gradient(135deg, #10b981, #059669);
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 25px 60px rgba(16, 185, 129, 0.35);
}

#faq .card {
  padding: 35px;
}

.info-section p {
  font-size: 18px;
  line-height: 1.8;
 color: #374151;
}
.info-section ul li {
  font-size: 18px;
  line-height: 1.8;
}

.related-grid {
  display: grid;
  gap: 12px;
}
.related-grid a {
  padding: 14px;
  background: var(--light-blue-bg);
  border-radius: 10px;
  text-decoration: none;
  color: var(--primary-blue);
  font-weight: 600;
  transition: 0.2s ease;
}
.related-grid a:hover {
   background: #f1f5f9;
  transform: translateX(4px);
}

.card ul li a {
  display: inline-block;
  padding: 4px 0;
  transition: 0.2s ease;
}
.card ul li a:hover {
  transform: translateX(4px);
}

.info-section.mistakes-section .card {
  background: #fff6f6 !important;
  border-left: 6px solid var(--accent-red) !important;
}

 .cluster-layout .info-section .card {
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.author-box .card {
  background: #f8fbff;
  border-left: 4px solid var(--primary-blue);
}

.quick-summary {
  margin-bottom: 50px;
}

.alert-critical strong::before { content: "⛔ "; }
.alert-warning strong::before { content: "⚠ "; }
.alert-info strong::before { content: "ℹ "; }

 
.premium-table td,
.premium-table th {
  padding: 8px 12px;
  font-size: 14px;
  vertical-align: middle;
}
.premium-table .primary-cta {
  padding: 6px 14px;
  font-size: 13px;
  margin: 0;
  border-radius: 20px;
}
.premium-table thead th {
  font-size: 14px;
  letter-spacing: 0.2px;
}

 .alert-strip a {
    font-weight: 600;
    text-decoration: underline;
}
 
.info-section h2 {
    scroll-margin-top: 100px;
}
 
.emergency-call {
    background: var(--accent-red);
    font-weight: 700;
}
.emergency-call:hover {
    transform: translateY(-2px);
}

/* ================= BANK THEMES ================= */

.theme-sbi {
  --primary-blue: #34495e;
  --dark-blue: #1f2d3a;
  --theme-bg-light: #f4f7fb;
  --theme-bg-mid: #f8fafc;
}

.theme-hdfc {
  --primary-blue: #2c3e50;
  --dark-blue: #1f2d3a;
  --accent-red: #e53935;
  --theme-bg-light: #eef4ff;
  --theme-bg-mid: #f6f9ff;
}
 
.theme-icici {
  --primary-blue: #34495e;
  --dark-blue: #1f2d3a;
  --theme-bg-light: #f4f7fb;
  --theme-bg-mid: #f8fafc;
}

.theme-axis {
  --primary-blue:#34495e;
  --dark-blue:#1f2d3a;
  --theme-bg-light:#f4f7fb;
  --theme-bg-mid:#f8fafc;
}

.update-tag{
font-size:12px;
margin-left:8px;
color:#6b7280;
}

.cluster-nav{
display:flex;
flex-wrap:wrap;
gap:10px;
margin:14px 0 24px;
padding:10px;
background:linear-gradient(180deg,#f8fbff,#eef2ff);
border-radius:10px;
border:1px solid rgba(0,0,0,0.06);
}
.cluster-nav a{
text-decoration:none;
padding:7px 14px;
background:#ffffff;
border-radius:6px;
color:#1f2937;
border:1px solid rgba(0,0,0,0.06);
transition:all 0.2s ease;
font-weight:500;
}
.cluster-nav a:hover{
background:#eef2ff;
border-color:#c7d2fe;
transform:translateY(-1px);
}
 
.active-cluster{
padding:7px 14px;
background:var(--primary-blue);
color:#ffffff;
border-radius:6px;
font-weight:600;
display:inline-block;
}

.page-freeze .cluster-nav a[href="hdfc-account-freeze-unfreeze-guide.html"],
.page-upi .cluster-nav a[href="hdfc-upi-refund-not-received-guide.html"],
.page-debit .cluster-nav a[href="hdfc-debit-card-transaction-failed-guide.html"],
.page-fraud .cluster-nav a[href="hdfc-credit-card-fraud-guide.html"],
.page-complaint .cluster-nav a[href="hdfc-complaint-status-check-guide.html"]
{
background:var(--primary-blue);
color:#ffffff;
font-weight:600;
border-color:var(--primary-blue);
}

.cluster-discovery{
columns:2;
padding-left:18px;
}
.cluster-discovery li{
margin-bottom:6px;
}

.mobile-sticky-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background: var(--dark-blue);
    padding: 8px;
    z-index: 1000;
    justify-content: space-between;
    align-items: center;
}

.trust-highlight-bar {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 14px;
    background: #ffffff;
    padding: 18px;
    border-radius: 14px;
    margin-bottom: 25px;
    box-shadow: 0 15px 35px rgba(0,0,0,0.06);
    border: 1px solid #e6ecf5;
}
.trust-box {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 14px;
}
.trust-box strong {
    display: block;
    font-size: 13px;
}
.trust-box small {
    font-size: 12px;
    opacity: 0.8;
}
.trust-icon {
    font-size: 18px;
}

@media (max-width: 768px) {
    .trust-highlight-bar {
        grid-template-columns: repeat(2, 1fr);
    }
}
.trust-icon {
    color: #1a7f37;
    font-weight: bold;
}
.trust-highlight-bar {
    color: #000;
}
.trust-box strong {
    color: #111;
}
.trust-box small {
    color: #444;
}

.horizontal-resolution-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 15px;
}
.horizontal-resolution-table tr {
    border-bottom: 1px solid rgba(0,0,0,0.06);
}
.horizontal-resolution-table td {
    padding: 12px 10px;
    vertical-align: top;
}
.horizontal-resolution-table td:first-child {
    width: 25%;
}

body.theme-hdfc .faq-item {
    background: #f8fbff;
    border-left: 3px solid var(--primary-blue);
    border-bottom: none;
    padding: 18px 20px;
    margin-bottom: 14px;
    border-radius: 8px;
}
body.theme-hdfc .faq-item h3 {
    font-size: 18px;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--dark-blue);
    line-height: 1.5;
}
body.theme-hdfc .faq-item p {
    font-size: 16px;
    line-height: 1.75;
    color: #333;
}

.container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 20px;
}

body.theme-sbi .faq-item {
    background: #ffffff;
    border-left: 4px solid var(--primary-blue);
    padding: 18px 20px;
    margin-bottom: 16px;
    border-radius: 10px;
    box-shadow: 0 10px 24px rgba(0,0,0,0.06);
}
body.theme-sbi .faq-item h3 {
    font-size: 18px;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--dark-blue);
}
body.theme-sbi .faq-item p {
    font-size: 15.5px;
    line-height: 1.75;
    color: #333;
}

.info-section > .card {
  max-width: 950px;
  margin-left: auto;
  margin-right: auto;
}
.info-section .card {
    max-width: 980px;
    margin-left: auto;
    margin-right: auto;
}

.table-group td {
    background: #eef4ff;
    font-weight: 600;
    text-align: left;
    padding: 12px;
    border-top: 2px solid #e1e7f0;
}

@media (max-width: 768px) {
  .service-table thead {
    display: none;
  }
  .service-table,
  .service-table tbody,
  .service-table tr,
  .service-table td {
    display: block;
    width: 100%;
  }
  .service-table tr {
    margin-bottom: 18px;
    background: #ffffff;
    border-radius: 12px;
    box-shadow: 0 6px 18px rgba(0,0,0,0.06);
    padding: 14px;
  }
  .service-table td {
    text-align: left;
    padding: 6px 0;
    border: none;
  }
  .service-table td::before {
    content: attr(data-label);
    font-weight: 600;
    display: block;
    font-size: 13px;
    color: #555;
    margin-bottom: 2px;
  }
  .service-table tr.table-group td {
    display: block;
    width: 100%;
    background: #eef4ff;
    font-weight: 600;
    padding: 10px 0;
  }
  .service-table tr.table-group td::before {
    display: none;
  }
}

body.theme-hdfc .faq-accordion-card {
    padding: 30px;
    border-radius: 16px;
    box-shadow: 0 10px 35px rgba(0,0,0,0.06);
}
body.theme-hdfc .faq-accordion-btn {
    width: 100%;
    text-align: left;
    padding: 16px 18px;
    font-size: 17px;
    font-weight: 600;
    background: #f5f9ff;
    border: none;
    border-radius: 10px;
    margin-bottom: 10px;
    cursor: pointer;
    transition: all 0.2s ease;
}
body.theme-hdfc .faq-accordion-btn:hover {
    background: #e8f1ff;
}
body.theme-hdfc .faq-accordion-content {
    display: none;
    padding: 10px 18px 20px;
    font-size: 15.5px;
    line-height: 1.7;
    color: #444;
}

body.theme-hdfc .faq-clean {
    background: linear-gradient(180deg, #f8fbff, #ffffff);
    padding: 50px 30px;
    border-radius: 20px;
}
body.theme-hdfc .faq-clean h2 {
    font-size: 28px;
    margin-bottom: 30px;
    text-align: center;
    color: var(--dark-blue);
}
body.theme-hdfc .faq-clean-card {
    background: transparent;
    box-shadow: none;
    padding: 0;
}
body.theme-hdfc .faq-clean .faq-item {
    background: #ffffff;
    border-radius: 16px;
    padding: 24px 28px;
    margin-bottom: 18px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.05);
    transition: all 0.25s ease;
}
body.theme-hdfc .faq-clean .faq-item:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 35px rgba(0,0,0,0.08);
}
body.theme-hdfc .faq-clean .faq-item h3 {
    font-size: 20px;
    margin-bottom: 10px;
    font-weight: 700;
    color: var(--primary-blue);
}
body.theme-hdfc .faq-clean .faq-item p {
    font-size: 17px;
    line-height: 1.8;
    color: #444;
}

body.theme-hdfc .premium-heading {
    font-size: 28px;
    margin-bottom: 25px;
    font-weight: 700;
}
body.theme-hdfc .premium-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 30px;
}
body.theme-hdfc .action-list {
    padding-left: 18px;
    line-height: 1.9;
    margin-bottom: 25px;
}
body.theme-hdfc .info-card {
    background: #f8fbff;
    padding: 20px;
    border-radius: 14px;
    margin-bottom: 20px;
    border: 1px solid #e6ecff;
}
body.theme-hdfc .framework-container {
    display: grid;
    gap: 25px;
}
body.theme-hdfc .framework-block {
    background: #ffffff;
    padding: 25px;
    border-radius: 16px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
}
body.theme-hdfc .urgent-block {
    border: 2px solid var(--accent-red);
}

@media(max-width: 900px){
    body.theme-hdfc .premium-grid {
        grid-template-columns: 1fr;
    }
}

body.theme-hdfc .hdfc-upi-alert {
    margin-top: 40px;
    padding: 40px;
    background: linear-gradient(135deg,#f4f9ff,#ffffff);
    border-radius: 20px;
}
body.theme-hdfc .alert-hero {
    text-align: center;
    margin-bottom: 35px;
}
body.theme-hdfc .alert-hero .badge {
    background: var(--primary-blue);
    color: #fff;
    padding: 6px 14px;
    border-radius: 50px;
    font-size: 13px;
    display: inline-block;
    margin-bottom: 15px;
}
body.theme-hdfc .alert-hero h2 {
    font-size: 30px;
    margin-bottom: 10px;
}
body.theme-hdfc .alert-body {
    display: grid;
    gap: 25px;
}
body.theme-hdfc .priority-card {
    background: #ffffff;
    padding: 25px;
    border-radius: 16px;
    box-shadow: 0 12px 35px rgba(0,0,0,0.06);
}
body.theme-hdfc .priority-card h3 {
    margin-bottom: 15px;
    font-size: 20px;
}
body.theme-hdfc .priority-card ul {
    padding-left: 20px;
    line-height: 1.8;
}
body.theme-hdfc .escalation-box {
    background: #fff8f8;
    border: 1px solid #ffd6d6;
    padding: 25px;
    border-radius: 16px;
}
body.theme-hdfc .escalation-box h3 {
    color: var(--accent-red);
    margin-bottom: 10px;
}

body.theme-hdfc .hdfc-command-section {
    margin-top: 50px;
    padding: 50px;
    background: #ffffff;
    border-radius: 24px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.06);
}
body.theme-hdfc .command-header {
    text-align: center;
    margin-bottom: 40px;
}
body.theme-hdfc .command-label {
    font-size: 12px;
    letter-spacing: 2px;
    color: var(--primary-blue);
    font-weight: 700;
    margin-bottom: 12px;
}
body.theme-hdfc .command-header h2 {
    font-size: 32px;
    margin-bottom: 12px;
    font-weight: 700;
}
body.theme-hdfc .command-sub {
    font-size: 17px;
    color: #555;
}
body.theme-hdfc .command-layout {
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 40px;
}
body.theme-hdfc .command-primary {
    border-right: 1px solid #eef2f7;
    padding-right: 30px;
}
body.theme-hdfc .command-primary h3 {
    font-size: 22px;
    margin-bottom: 20px;
}
body.theme-hdfc .command-steps {
    padding-left: 20px;
    line-height: 2;
    font-size: 16px;
}
body.theme-hdfc .command-cta {
    margin-top: 30px;
}
body.theme-hdfc .primary-action {
    display: inline-block;
    margin-top: 10px;
    padding: 14px 28px;
    background: var(--primary-blue);
    color: #fff;
    border-radius: 10px;
    text-decoration: none;
    font-weight: 600;
}
body.theme-hdfc .command-secondary {
    display: flex;
    flex-direction: column;
    gap: 25px;
}
body.theme-hdfc .authority-block {
    background: #f7f9fc;
    padding: 22px;
    border-radius: 16px;
}
body.theme-hdfc .authority-block h4 {
    margin-bottom: 10px;
    font-size: 18px;
}
body.theme-hdfc .authority-block.regulatory {
    border: 1px solid #ffd6d6;
    background: #fffafa;
}

@media (max-width: 900px) {
    body.theme-hdfc .command-layout {
        grid-template-columns: 1fr;
    }
    body.theme-hdfc .command-primary {
        border-right: none;
        padding-right: 0;
    }
}

body.theme-hdfc .hdfc-upi-framework {
    margin-top: 80px;
    padding: 80px 20px;
    background: linear-gradient(180deg,#f4f7fb,#eef3f9);
}
body.theme-hdfc .hdfc-upi-framework > .framework-top,
body.theme-hdfc .hdfc-upi-framework > .framework-cta-center,
body.theme-hdfc .hdfc-upi-framework > .framework-body {
    max-width: 1100px;
    margin-left: auto;
    margin-right: auto;
}
body.theme-hdfc .framework-top h2 {
    text-align: center;
    font-size: 36px;
    font-weight: 800;
    margin-bottom: 40px;
    color: #1a1a1a;
}
body.theme-hdfc .handling-process {
    background: #ffffff;
    padding: 45px;
    border-radius: 20px;
    margin-bottom: 60px;
    box-shadow: 0 25px 60px rgba(0, 43, 92, 0.08);
    border: 1px solid rgba(0,43,92,0.05);
}
body.theme-hdfc .handling-process h3 {
    font-size: 22px;
    font-weight: 800;
    margin-bottom: 15px;
    color: var(--dark-blue);
}
body.theme-hdfc .handling-process p {
    font-size: 16px;
    line-height: 1.8;
    color: #444;
}

body.theme-hdfc .framework-cta-center {
    text-align: center;
    margin: 50px 0 70px 0;
}
body.theme-hdfc .framework-call-btn {
    background: linear-gradient(135deg,var(--accent-red),#ff4a65);
    color: #fff;
    padding: 16px 40px;
    font-size: 16px;
    font-weight: 800;
    border-radius: 12px;
    text-decoration: none;
    box-shadow: 0 15px 35px rgba(227,24,55,0.25);
    transition: all 0.25s ease;
}
body.theme-hdfc .framework-call-btn:hover {
    transform: translateY(-3px);
}

body.theme-hdfc .framework-body {
    background: #ffffff;
    padding: 50px;
    border-radius: 24px;
    box-shadow: 0 30px 70px rgba(0, 43, 92, 0.08);
    border: 1px solid rgba(0,43,92,0.05);
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
}
body.theme-hdfc .framework-left h3,
body.theme-hdfc .framework-right h3 {
    font-size: 22px;
    font-weight: 800;
    margin-bottom: 25px;
    color: var(--dark-blue);
}
body.theme-hdfc .action-step {
    display: flex;
    gap: 14px;
    margin-bottom: 22px;
}
body.theme-hdfc .step-number {
    background: var(--primary-blue);
    color: #fff;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    font-size: 14px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}
body.theme-hdfc .action-step h4 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 4px;
}
body.theme-hdfc .action-step p {
    font-size: 15px;
    line-height: 1.6;
    color: #444;
}
body.theme-hdfc .authority-section {
    margin-bottom: 22px;
    padding-bottom: 22px;
    border-bottom: 1px solid rgba(0,43,92,0.08);
}
body.theme-hdfc .authority-section:last-child {
    border-bottom: none;
}
body.theme-hdfc .authority-section h4 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 5px;
}
body.theme-hdfc .authority-section p {
    font-size: 15px;
    line-height: 1.6;
    color: #444;
}

@media (max-width: 900px) {
    body.theme-hdfc .framework-body {
        grid-template-columns: 1fr;
    }
}

body.theme-hdfc .framework-table-wrapper {
    margin-top: 40px;
}
body.theme-hdfc .framework-table {
    width: 100%;
    border-collapse: collapse;
    background: #ffffff;
    border-radius: 18px;
    overflow: hidden;
    box-shadow: 0 30px 70px rgba(0,43,92,0.08);
    border: 1px solid rgba(0,43,92,0.06);
}
body.theme-hdfc .framework-table thead {
    background: linear-gradient(135deg,var(--dark-blue),var(--primary-blue));
    color: #ffffff;
}
body.theme-hdfc .framework-table th {
    padding: 22px;
    font-size: 18px;
    font-weight: 800;
    text-align: left;
}
body.theme-hdfc .framework-table td {
    padding: 22px;
    font-size: 16px;
    line-height: 1.7;
    vertical-align: top;
    border-top: 1px solid #eef2f7;
}
body.theme-hdfc .framework-table tbody tr:nth-child(even) {
    background: #f9fbff;
}
@media (max-width: 900px) {
    body.theme-hdfc .framework-table thead {
        display: none;
    }
    body.theme-hdfc .framework-table,
    body.theme-hdfc .framework-table tbody,
    body.theme-hdfc .framework-table tr,
    body.theme-hdfc .framework-table td {
        display: block;
        width: 100%;
    }
    body.theme-hdfc .framework-table tr {
        margin-bottom: 20px;
        border: 1px solid #e5e7eb;
        border-radius: 12px;
        overflow: hidden;
    }
    body.theme-hdfc .framework-table td {
        border-top: none;
    }
}

body.theme-hdfc .framework-process {
    position: relative;
    margin-top: 70px;
    border-radius: 20px;
    overflow: hidden;
    background: #ffffff;
    box-shadow: 0 30px 80px rgba(0,43,92,0.10);
    border: 1px solid rgba(0,43,92,0.06);
}
body.theme-hdfc .process-header {
    display: grid;
    grid-template-columns: 1fr 1fr;
}
body.theme-hdfc .customer-title {
    background: var(--primary-blue);
    color: #fff;
    padding: 22px;
    font-size: 20px;
    font-weight: 800;
    text-align: center;
}
body.theme-hdfc .bank-title {
    background: var(--accent-red);
    color: #fff;
    padding: 22px;
    font-size: 20px;
    font-weight: 800;
    text-align: center;
}
body.theme-hdfc .process-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
}
body.theme-hdfc .process-row:not(:last-child) {
    border-bottom: 1px solid #eef2f7;
}
body.theme-hdfc .process-left,
body.theme-hdfc .process-right {
    padding: 36px 40px;
}
body.theme-hdfc .heading-line {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 14px;
}
body.theme-hdfc .step-badge,
body.theme-hdfc .bank-badge {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    font-size: 15px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
body.theme-hdfc .step-badge {
    background: var(--primary-blue);
    color: #fff;
}
body.theme-hdfc .bank-badge {
    background: var(--accent-red);
    color: #fff;
}
body.theme-hdfc .heading-line h4 {
    font-size: 21px;
    font-weight: 800;
    color: var(--dark-blue);
    margin: 0;
}
body.theme-hdfc .process-left p,
body.theme-hdfc .process-right p {
    font-size: 16px;
    line-height: 1.75;
    color: #444;
    margin-bottom: 8px;
}
body.theme-hdfc .framework-process::after {
    content: "";
    position: absolute;
    top: 66px;
    bottom: 0;
    left: 50%;
    width: 1px;
    background: rgba(0,43,92,0.08);
    transform: translateX(-50%);
}
@media (max-width: 900px) {
    body.theme-hdfc .process-header,
    body.theme-hdfc .process-row {
        grid-template-columns: 1fr;
    }
    body.theme-hdfc .framework-process::after {
        display: none;
    }
}

body.theme-hdfc .bank-process-intro {
    width: 100%;
    max-width: 1000px;
    margin: 50px auto 60px auto;
    padding: 36px 42px 36px 46px; 
    background: linear-gradient(180deg,#ffffff,#f8fbff);
    border-radius: 18px;
    border: 1px solid rgba(0,43,92,0.06);
    box-shadow: 0 25px 60px rgba(0,43,92,0.08);
    position: relative;
    box-sizing: border-box;
}
body.theme-hdfc .bank-process-intro::before {
    content: "";
    position: absolute;
    left: 18px;
    top: 28px;
    bottom: 28px;
    width: 4px;
    background: linear-gradient(to bottom,var(--primary-blue),var(--accent-red));
    border-radius: 4px;
}
body.theme-hdfc .intro-label {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.5px;
    color: var(--accent-red);
    margin-bottom: 10px;
}
body.theme-hdfc .bank-process-intro h3 {
    font-size: 24px;
    font-weight: 800;
    color: var(--dark-blue);
    margin-bottom: 14px;
}
body.theme-hdfc .bank-process-intro p {
    font-size: 17px;
    line-height: 1.8;
    color: #444;
    margin-bottom: 10px;
}

body.theme-hdfc .upi-hero {
    background: linear-gradient(135deg, var(--primary-blue), var(--dark-blue));
    color: #ffffff;
    padding: 50px 60px;
    border-radius: 22px;
    margin: 0px 0 35px 0;
    box-shadow: 0 30px 70px rgba(0,43,92,0.18);
    position: relative;
    overflow: hidden;
}
body.theme-hdfc .upi-hero::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    height: 5px;
    width: 100%;
    background: var(--accent-red);
}
body.theme-hdfc .upi-hero-badge {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.5px;
    background: rgba(255,255,255,0.15);
    display: inline-block;
    padding: 6px 14px;
    border-radius: 30px;
    margin-bottom: 18px;
}
body.theme-hdfc .upi-hero h2 {
    font-size: 32px;
    font-weight: 800;
    margin-bottom: 12px;
}
body.theme-hdfc .upi-subtitle {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 18px;
    opacity: 0.95;
}
body.theme-hdfc .upi-subtitle span {
    font-weight: 400;
    opacity: 0.85;
}
body.theme-hdfc .upi-description {
    font-size: 17px;
    line-height: 1.8;
    max-width: 850px;
    opacity: 0.95;
}

body.theme-hdfc .card-hero{
background:linear-gradient(135deg,var(--dark-blue) 0%,var(--primary-blue) 40%,var(--accent-red) 100%);
padding:55px 40px;
border-radius:18px;
color:#ffffff;
box-shadow:0 18px 45px rgba(0,0,0,0.18);
border-bottom:4px solid var(--accent-red);
margin:0 auto 35px auto;
max-width:1100px;
}
body.theme-hdfc .card-hero-badge {
    display: inline-block;
    background: rgba(255,255,255,0.2);
    padding: 6px 14px;
    border-radius: 50px;
    font-size: 13px;
    letter-spacing: 1px;
    margin-bottom: 15px;
}
body.theme-hdfc .card-subtitle span {
    display: block;
    font-size: 16px;
    opacity: 0.9;
}
body.theme-hdfc .card-description {
    font-size: 17px;
    line-height: 1.7;
    margin-top: 15px;
}
body.theme-hdfc .emergency-call-btn {
    background: var(--accent-red);
}

body.theme-hdfc .hdfc-card-framework h2 {
    font-size: 34px;
    font-weight: 800;
}
body.theme-hdfc .hdfc-card-framework .card-subtitle {
    font-size: 20px;
    font-weight: 600;
}
body.theme-hdfc .hdfc-card-framework .card-description {
    font-size: 18px;
    font-weight: 500;
    line-height: 1.8;
}
body.theme-hdfc .hdfc-card-framework .heading-line h4 {
    font-size: 22px;
    font-weight: 800;
}
body.theme-hdfc .hdfc-card-framework .process-left p,
body.theme-hdfc .hdfc-card-framework .process-right p {
    font-size: 17.5px;
    font-weight: 500;
    line-height: 1.85;
}
body.theme-hdfc .hdfc-card-framework .customer-title,
body.theme-hdfc .hdfc-card-framework .bank-title {
    font-size: 20px;
    font-weight: 800;
}

body.theme-hdfc .info-section.compact-section h2 {
    font-size: 32px;
    font-weight: 800;
    margin-bottom: 20px;
    color: var(--primary-blue); 
}
body.theme-hdfc .info-section.compact-section h3 {
    font-size: 22px;
    font-weight: 700;
    margin-top: 10px;
    margin-bottom: 12px;
    color: var(--accent-red); 
}
body.theme-hdfc .info-section.compact-section .card {
    padding: 32px;
    border-radius: 16px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}
body.theme-hdfc .info-section.compact-section ol,
body.theme-hdfc .info-section.compact-section ul {
    font-size: 17px;
    line-height: 1.9;
    padding-left: 22px;
}
body.theme-hdfc .info-section.compact-section li {
    margin-bottom: 10px;
}
body.theme-hdfc .info-section.compact-section p {
    font-size: 17px;
    line-height: 1.85;
    margin-top: 10px;
}
body.theme-hdfc .info-section.compact-section hr {
    border: none;
    height: 1px;
    background: #e8eef6;
}

body.theme-hdfc .hdfc-upi-framework .upi-hero {
    background: linear-gradient(135deg, var(--dark-blue) 0%, var(--primary-blue) 40%, var(--accent-red) 100%);
    padding: 55px 40px;
    border-radius: 18px;
    color: #ffffff;
    box-shadow: 0 18px 45px rgba(0, 0, 0, 0.18);
    border-bottom: 4px solid var(--accent-red);
}
body.theme-hdfc .hdfc-upi-framework .upi-hero h2 {
    font-size: 34px;
    font-weight: 800;
    margin-bottom: 14px;
}
body.theme-hdfc .hdfc-upi-framework .upi-subtitle {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 10px;
}
body.theme-hdfc .hdfc-upi-framework .upi-subtitle span {
    font-size: 16px;
    opacity: 0.85;
}
body.theme-hdfc .hdfc-upi-framework .upi-description {
    font-size: 18px;
    line-height: 1.8;
    font-weight: 500;
}

.footer {
    background: linear-gradient(180deg, #f8fbff, #eef2ff);
    padding: 30px 20px;
    margin-top: 40px;
    border-top: 1px solid #e0e0e0;
    text-align: center;
}
.footer-links {
    margin-bottom: 15px;
}
.footer-links a {
    margin: 0 12px;
    font-size: 14px;
    color: #444;
    text-decoration: none;
}
.footer-links a:hover {
    text-decoration: underline;
}
.footer-disclaimer {
    font-size: 15px;
    color: #b00020;
    line-height: 1.7;
    margin-top: 12px;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}
.footer-bottom {
    font-size: 13px;
    color: #777;
    margin-top: 10px;
}
@media (max-width: 600px) {
    .footer-disclaimer {
        font-size: 16px;
    }
}

.top-legal-disclaimer{
background:#fff8e1;
border-left:5px solid #ff9800;
padding:16px;
margin:20px 0;
font-size:14px;
line-height:1.7;
color:#333;
border-radius:4px;
}
.helpline-disclaimer{
font-size:18px;
font-weight:600;
color:var(--accent-red);
background:#fff0f0;
border-left:4px solid var(--accent-red);
padding:10px 14px;
margin-top:12px;
border-radius:4px;
}
.legal-disclaimer-box{
background:#fff4f4;
border:2px solid #e63946;
border-radius:8px;
padding:18px 22px;
margin-top:25px;
text-align:center;
box-shadow:0 3px 10px rgba(0,0,0,0.08);
}
.legal-disclaimer-box h3{
color:#c1121f;
font-size:20px;
margin-bottom:12px;
}
.legal-disclaimer-box p{
font-size:15px;
line-height:1.7;
color:#444;
margin:10px 0;
}
.legal-disclaimer-box strong{
color:#b00020;
}

.number-disclaimer{
font-size:14px;
color:var(--accent-red);
background:#fff5f5;
border-left:4px solid var(--accent-red);
padding:10px 12px;
margin:10px 0 15px 0;
font-weight:600;
border-radius:4px;
}

.info-section .card{
max-width:920px;
margin:0 auto;
position:relative;
}

.info-section{
position:relative;
}

.info-section::before{
content:"";
position:absolute;
left:0;
top:0;
bottom:0;
width:6px;
background:linear-gradient(to bottom,var(--primary-blue),transparent);
opacity:0.08;
}

.hdfc-card-framework{
max-width:1100px;
margin-left:auto;
margin-right:auto;
}
.page-header,
.upi-hero,
.card-hero{
max-width:1100px;
margin-left:auto;
margin-right:auto;
}
.upi-hero,
.card-hero{
padding:70px 55px;
border-radius:16px;
background: linear-gradient(135deg,var(--dark-blue) 0%,var(--primary-blue) 45%,var(--accent-red) 100%);
color:#ffffff;
box-shadow:0 18px 45px rgba(0,0,0,0.18);
border-bottom:4px solid var(--accent-red);
}
.hero-framework{
background:linear-gradient(135deg,var(--dark-blue) 0%,var(--primary-blue) 45%,var(--accent-red) 100%);
color:#fff;
padding:55px 50px;
border-radius:22px;
box-shadow:0 20px 50px rgba(0,0,0,0.18);
border-bottom:4px solid var(--accent-red);
margin-bottom:40px;
}
.hero-badge{
display:inline-block;
background:rgba(255,255,255,0.15);
padding:6px 14px;
border-radius:20px;
font-size:13px;
font-weight:600;
margin-bottom:18px;
}
.hero-title{
font-size:40px;
font-weight:700;
margin-bottom:14px;
}
.hero-subtitle{
font-size:20px;
font-weight:600;
margin-bottom:12px;
}
.hero-description{
font-size:17px;
line-height:1.7;
}

.scenario-box {
  background: #f4f8ff;
  border-left: 4px solid var(--primary-blue);
}

.mistakes-box {
  background: #fff6f6;
  border-left: 4px solid var(--accent-red);
}

.next-step-box {
  background: #f0f4ff;
  border-left: 4px solid var(--primary-blue);
}

.card,
.service-box,
.primary-cta,
.trust-highlight-bar {
  transition: all 0.3s cubic-bezier(.4,0,.2,1);
}

.premium-surface {
  background: linear-gradient(145deg, #ffffff, #f4f8ff);
  border: 1px solid #e6ecf5;
  box-shadow: 0 20px 50px rgba(0,0,0,0.06);
  border-radius: 20px;
}

/* ===== ELITE UI LAYERS ===== */

.premium-focus {
  position: relative;
  border-radius: 22px;
  box-shadow: 
    0 0 0 1px rgba(200,169,106,0.2),
    0 20px 60px rgba(0,0,0,0.08);
}

.premium-focus::before {
  content: "";
  position: absolute;
  inset: -1px;
  border-radius: inherit;
  background: linear-gradient(120deg, transparent, var(--premium-glow), transparent);
  opacity: 0;
  transition: 0.4s;
}

.premium-focus:hover::before {
  opacity: 1;
}

.layer-soft {
  background: linear-gradient(180deg, #ffffff, #f8fbff);
  border-radius: 24px;
  padding: 40px;
  box-shadow: 0 25px 70px rgba(0,0,0,0.06);
}

/* ===== PREMIUM HIGHLIGHT (ELITE) ===== */

.premium-highlight {
  position: relative;
  border-radius: 22px;
  box-shadow: 
    0 0 0 1px rgba(200,169,106,0.25),
    0 25px 60px rgba(0,0,0,0.08);
}

.premium-highlight::before {
  content: "";
  position: absolute;
  inset: -1px;
  border-radius: inherit;
  background: linear-gradient(120deg, transparent, var(--premium-glow), transparent);
  opacity: 0;
  transition: 0.4s;
}

.premium-highlight:hover::before {
  opacity: 1;
}

/* Fix to ensure text inside gradient hero banners remains white */
.upi-hero h2,
.upi-hero .upi-subtitle,
.upi-hero .upi-description,
.card-hero h2,
.card-hero .card-subtitle,
.card-hero .card-description {
    color: #ffffff !important;
}

/* Force the UPI Hero to match the Card Hero's exact size and centering */
body.theme-hdfc .upi-hero {
    max-width: 1100px !important;
    margin: 0 auto 35px auto !important;
}

/* Force identical layout and centering for both UPI and Card hero banners */
body.theme-hdfc .upi-hero,
body.theme-hdfc .hdfc-upi-framework .upi-hero,
body.theme-hdfc .card-hero {
    max-width: 1100px !important;
    margin: 0 auto 35px auto !important;
    width: 100% !important;
    box-sizing: border-box !important;
}

/* ===== UNIFIED HERO STYLE (CARD + UPI SAME LOOK) ===== */

.card-hero,
.upi-hero {
  background: linear-gradient(135deg, #1e2a38 0%, #2c3e50 50%, #e53935 100%);
  padding: 55px 45px;
  border-radius: 20px;
  color: #ffffff;
  box-shadow: 0 25px 60px rgba(0,0,0,0.25);
  position: relative;
  overflow: hidden;
}

/* subtle glow */
.card-hero::after,
.upi-hero::after {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 260px;
  height: 260px;
  background: radial-gradient(circle, rgba(255,255,255,0.12), transparent 70%);
}

/* headings */
.card-hero h2,
.upi-hero h2 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 12px;
  color: #ffffff;
}

/* subtitle */
.card-subtitle,
.upi-subtitle {
  font-size: 18px;
  opacity: 0.9;
  margin-bottom: 10px;
}

/* description */
.card-description,
.upi-description {
  font-size: 17px;
  line-height: 1.7;
  opacity: 0.95;
}

/* badge */
.card-hero-badge,
.upi-hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 12px;
  margin-bottom: 12px;
}

.hdfc-upi-framework,
.hdfc-card-framework {
  margin-top: 50px;
}

.card-hero {
  all: unset;
  display: block;
  background: linear-gradient(135deg, #1f2d3a 0%, #2c3e50 50%, #e53935 100%);
  padding: 55px 45px;
  border-radius: 22px;
  color: #ffffff;
  box-shadow: 0 30px 70px rgba(0,0,0,0.25);
  position: relative;
}

.hdfc-upi-framework,
.hdfc-card-framework {
  margin-top: 40px;
}

.card-hero {
  max-width: 1000px;
  margin: 0 auto;
}

.card ul {
  text-align: left;
  margin-top: 10px;
}

/* ===== 1. PREMIUM TYPOGRAPHY & BACKGROUND ===== */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    background-color: #f4f7f9; /* Soft grayish-blue background so white cards pop */
    color: #1e293b;
    line-height: 1.6;
}

h1, h2, h3 {
    color: #0f172a;
    font-weight: 700;
    letter-spacing: -0.02em; /* Gives that modern, tight headline look */
}

/* ===== 2. FINTECH CARDS (ELEVATION & DEPTH) ===== */
.card {
    background: #ffffff;
    border-radius: 12px;
    padding: 24px;
    margin-bottom: 24px;
    border: 1px solid rgba(226, 232, 240, 0.8);
    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.05), 0 2px 4px -1px rgba(0, 0, 0, 0.03);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.card:hover {
    box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -2px rgba(0, 0, 0, 0.04);
}

/* ===== 3. PREMIUM BUTTONS (CALL TO ACTION) ===== */
.primary-cta, .call-btn {
    display: inline-block;
    background-color: #2563eb; /* A highly trusted, vibrant "Bank" Blue */
    color: #ffffff !important;
    font-weight: 600;
    padding: 10px 20px;
    border-radius: 8px;
    text-decoration: none;
    text-align: center;
    border: none;
    cursor: pointer;
    box-shadow: 0 2px 4px rgba(37, 99, 235, 0.2);
    transition: all 0.2s ease;
}
 .call-btn:hover {
    background-color: #1d4ed8;
    transform: translateY(-2px); /* Makes the button lift up when hovered */
    box-shadow: 0 6px 12px rgba(37, 99, 235, 0.3);
}

/* ===== 4. MODERN COMPARISON TABLE ===== */
.premium-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin-top: 10px;
}

.premium-table th {
    background-color: #f8fafc;
    color: #475569;
    font-weight: 600;
    text-transform: uppercase;
    font-size: 13px;
    padding: 16px;
    text-align: left;
    border-bottom: 2px solid #e2e8f0;
}

.premium-table td {
    padding: 16px;
    border-bottom: 1px solid #f1f5f9;
    vertical-align: middle;
    color: #334155;
}

/* Zebra striping for readability */
.premium-table tbody tr:nth-child(even) {
    background-color: #fafbfc;
}

.premium-table tbody tr:hover {
    background-color: #f1f5f9; /* Highlight row on hover */
}

/* ===== 5. ALERT STRIPS (WARNINGS & INFO) ===== */
.alert-strip {
    border-radius: 8px;
    padding: 14px 16px;
    margin: 16px 0;
    font-size: 14px;
    display: flex;
    align-items: center;
}

.alert-warning {
    background-color: #fffbeb;
    color: #92400e;
    border-left: 4px solid #f59e0b;
}

.alert-critical {
    background-color: #fef2f2;
    color: #991b1b;
    border-left: 4px solid #ef4444;
}

/* ===== 6. MOBILE RESPONSIVE DESIGN (FINTECH UI) ===== */
@media (max-width: 768px) {
    /* Save screen space by reducing card padding slightly */
    .card {
        padding: 16px; 
    }
    
    /* The Magic Table Fix: Allows smooth horizontal scrolling */
    .premium-table {
        display: block;
        width: 100%;
        overflow-x: auto;
        white-space: nowrap; /* Stops columns from crushing together */
        -webkit-overflow-scrolling: touch; /* Gives that buttery-smooth iOS swipe feel */
        border: 1px solid #e2e8f0;
        border-radius: 8px;
    }

    .premium-table th, .premium-table td {
        padding: 12px 16px;
    }

    /* Adjusting typography so headings don't overwhelm small screens */
    h1 {
        font-size: 24px;
        line-height: 1.3;
    }
    
    h2 {
        font-size: 20px;
    }

    /* Make buttons stretch to fill the mobile screen for easier tapping */
    .primary-cta {
        display: block;
        width: 100%;
        box-sizing: border-box;
    }
}

/* ===== 7. EYE-CATCHING TABLE ENHANCEMENTS ===== */

/* The "Top Pick" Highlighted Row */
.premium-table .highlight-row {
    background-color: #f8fafc !important;
    position: relative;
    box-shadow: inset 4px 0 0 0 #2563eb; /* A bold blue line on the left edge */
}

/* Bank Name Styling with Emoji alignment */
.bank-name {
    font-weight: 700;
    color: #0f172a;
    display: flex;
    align-items: center;
    gap: 8px;
}

.top-pick-label {
    font-size: 11px;
    background: #f59e0b;
    color: white;
    padding: 2px 6px;
    border-radius: 4px;
    margin-left: 8px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* Zero Balance Highlight */
.zero-balance {
    color: #16a34a; /* Vibrant Green */
    font-weight: 700;
    background: #dcfce7;
    padding: 4px 8px;
    border-radius: 6px;
    display: inline-block;
}

/* Colorful Status Badges */
.badge {
    display: inline-block;
    padding: 4px 10px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 600;
    white-space: nowrap;
}

.badge-green { background: #dcfce7; color: #166534; border: 1px solid #bbf7d0; }
.badge-blue { background: #dbeafe; color: #1e40af; border: 1px solid #bfdbfe; }
.badge-gray { background: #f1f5f9; color: #475569; border: 1px solid #e2e8f0; }


/* --- Interactive HDFC Cluster Navigation --- */

.cluster-nav {
    display: flex; 
    gap: 12px; 
    flex-wrap: wrap; 
    margin: 25px 0 35px 0; 
    padding: 10px 0;
    justify-content: flex-start;
}

.nav-btn {
    /* High-Contrast Base Design */
    background: linear-gradient(180deg, #1e40af 0%, #111827 100%) !important;
    color: #ffffff !important; /* Forces Pure White Text */
    text-decoration: none !important;
    font-size: 13px !important;
    font-weight: 800 !important;
    padding: 12px 24px !important;
    border-radius: 12px !important;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2) !important;
    border: 1px solid #1e3a8a !important;
    display: inline-block !important;
    text-align: center !important;
    cursor: pointer !important;
    text-transform: uppercase; 
    letter-spacing: 0.5px;
    
    /* Animation Physics for the "Pop" */
    transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275) !important;
}

.nav-btn:hover {
    /* Popping Up & Color Shift Effect */
    background: linear-gradient(180deg, #2563eb 0%, #1e40af 100%) !important;
    color: #ffffff !important;
    transform: translateY(-6px) scale(1.04) !important; 
    box-shadow: 0 15px 25px rgba(37, 99, 235, 0.4) !important;
    border-color: #3b82f6 !important;
}

.nav-btn:active {
    /* Tactile Click Feedback */
    transform: translateY(0) scale(0.98) !important;
}

/* Ensure visibility on Mobile Devices */
@media (max-width: 600px) {
    .nav-btn {
        width: 100%;
        margin-bottom: 5px;
        padding: 14px 20px !important;
    }
}

/* --- High-Engagement Cluster Navigation --- */
.cluster-nav {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin: 25px 0 35px 0;
    padding: 10px 0;
    justify-content: flex-start;
}

.nav-btn {
    /* High-Contrast Design */
    background: linear-gradient(180deg, #1e40af 0%, #111827 100%) !important;
    color: #ffffff !important;
    text-decoration: none !important;
    font-size: 13px !important;
    font-weight: 800 !important;
    padding: 12px 24px !important;
    border-radius: 12px !important;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2) !important;
    border: 1px solid #1e3a8a !important;
    display: inline-block !important;
    text-align: center !important;
    cursor: pointer !important;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    
    /* Animation Physics: The "Pop" */
    transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275) !important;
}

.nav-btn:hover {
    /* Dynamic Color Shift & Vertical Lift */
    background: linear-gradient(180deg, #2563eb 0%, #1e40af 100%) !important;
    color: #ffffff !important;
    transform: translateY(-6px) scale(1.04) !important;
    box-shadow: 0 15px 25px rgba(37, 99, 235, 0.4) !important;
    border-color: #3b82f6 !important;
}

.nav-btn:active {
    /* Tactile Click Feedback */
    transform: translateY(0) scale(0.98) !important;
}

/* Mobile Thumb-Friendly Stacking */
@media (max-width: 600px) {
    .nav-btn {
        width: 100%;
        margin-bottom: 5px;
    }
}

/* --- Symmetrical High-Engagement Cluster Navigation --- */
.cluster-nav {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin: 30px 0 40px 0;
    padding: 10px 0;
    /* This balances the left and right empty space */
    justify-content: center; 
}

.nav-btn {
    /* Fixed Width Logic for Balance */
    flex: 0 1 auto;
    min-width: 160px; /* Ensures buttons look uniform */
    
    background: linear-gradient(180deg, #1e40af 0%, #111827 100%) !important;
    color: #ffffff !important;
    text-decoration: none !important;
    font-size: 12px !important;
    font-weight: 800 !important;
    padding: 12px 20px !important;
    border-radius: 12px !important;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2) !important;
    border: 1px solid #1e3a8a !important;
    display: inline-block !important;
    text-align: center !important;
    cursor: pointer !important;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    
    /* Animation Physics for the "Pop" */
    transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275) !important;
}

.nav-btn:hover {
    background: linear-gradient(180deg, #2563eb 0%, #1e40af 100%) !important;
    transform: translateY(-6px) scale(1.04) !important;
    box-shadow: 0 15px 25px rgba(37, 99, 235, 0.4) !important;
    border-color: #3b82f6 !important;
}

.nav-btn:active {
    transform: translateY(0) scale(0.98) !important;
}

/* Responsive Logic for Tablet and Mobile Balance */
@media (max-width: 768px) {
    .nav-btn {
        flex: 1 1 calc(45% - 12px); /* 2 equal columns */
        min-width: 140px;
    }
}

@media (max-width: 480px) {
    .nav-btn {
        flex: 1 1 100%; /* Single centered column */
    }
}

/* Eyecatching Pulse Animation for Verification Buttons */
@keyframes buttonPulse {
    0% {
        box-shadow: 0 0 0 0 rgba(229, 62, 62, 0.4);
        transform: scale(1);
    }
    70% {
        box-shadow: 0 0 0 10px rgba(229, 62, 62, 0);
        transform: scale(1.05);
    }
    100% {
        box-shadow: 0 0 0 0 rgba(229, 62, 62, 0);
        transform: scale(1);
    }
}

.eyecatching-btn {
    animation: buttonPulse 2s infinite;
    display: inline-flex !important;
    align-items: center;
    gap: 5px;
    transition: all 0.3s ease;
}

.eyecatching-btn:hover {
    animation: none; /* Stops pulsing when the user hovers to click */
    background-color: #e53e3e !important;
    color: white !important;
}

/* 1. Define the Eyecatching Pulse Animation */
@keyframes buttonPulse {
    0% {
        box-shadow: 0 0 0 0 rgba(229, 62, 62, 0.4);
        transform: scale(1);
    }
    70% {
        box-shadow: 0 0 0 10px rgba(229, 62, 62, 0);
        transform: scale(1.05);
    }
    100% {
        box-shadow: 0 0 0 0 rgba(229, 62, 62, 0);
        transform: scale(1);
    }
}

/* 2. Target the buttons globally without changing HTML */
/* This targets every link pointing to the official bank care page */
a[href*="hdfcbank.com/personal/need-help/customer-care"] {
    animation: buttonPulse 2s infinite !important;
    display: inline-flex !important;
    align-items: center;
    gap: 5px;
    transition: all 0.3s ease;
}

/* 3. Improve the hover state globally */
a[href*="hdfcbank.com/personal/need-help/customer-care"]:hover {
    animation: none !important;
    background-color: #e53e3e !important;
    color: white !important;
    transform: scale(1.1);
}

/* 1. The Eyecatching Animation */
@keyframes noteGlow {
    0% { border-color: #feb2b2; transform: scale(1); }
    50% { border-color: #e53e3e; box-shadow: 0 0 12px rgba(229, 62, 62, 0.3); transform: scale(1.01); }
    100% { border-color: #feb2b2; transform: scale(1); }
}

/* 2. Target the Legal Note boxes */
p[style*="color: #e53e3e"][style*="background: #fff5f5"] {
    animation: noteGlow 3s infinite ease-in-out !important;
    border: 2px solid #feb2b2 !important;
    display: block !important;
    position: relative !important;
    /* We removed the 'padding-left' and '::before' shield 
       because your HTML already has the emoji. */
}

/* Target the Global Footer Legal Box */
.legal-disclaimer-box {
    animation: noteGlow 4s infinite ease-in-out !important; /* Slightly slower pulse for the footer */
    border: 1px solid #cbd5e1 !important;
    transition: all 0.3s ease;
}

.legal-disclaimer-box:hover {
    background-color: #f8fafc !important;
    border-color: #e53e3e !important;
}

@media (prefers-color-scheme: dark) {
    /* 1. Base Background & Typography */
    body.theme-hdfc {
        background-color: #0f172a !important; 
        color: #f1f5f9 !important;
    }

    /* 2. Enhanced Card Visibility */
    .container, .card, .info-section, .highlight-card, .service-box {
        background-color: #1e293b !important; 
        color: #f1f5f9 !important;
        border-color: #334155 !important;
        box-shadow: 0 4px 20px rgba(0, 0, 0, 0.5) !important;
    }

    /* 3. Text & Heading Contrast */
    h1, h2, h3, strong {
        color: #ffffff !important;
    }
    p, li, span, .updated-text {
        color: #cbd5e1 !important; 
    }

    /* 4. Navigation Button Fix (CRITICAL) */
    /* This prevents your dark navy buttons from disappearing on the dark background */
    .nav-btn, .cluster-nav a {
        background: linear-gradient(180deg, #2563eb 0%, #1d4ed8 100%) !important;
        color: #ffffff !important;
        border-color: #3b82f6 !important;
    }

    /* 5. Legal Note Readability */
    p[style*="background: #fff5f5"] {
        background: #2d1a1a !important; 
        color: #fca5a5 !important;
        border-color: #7f1d1d !important;
    }
    
    /* 6. Footer & Table Adjustments */
    .footer, .legal-disclaimer-box, .premium-table, .premium-table th {
        background-color: #111827 !important;
        border-color: #374151 !important;
        color: #f1f5f9 !important;
    }
}


/* 1. Define the Eyecatching Animation */
@keyframes noteGlow {
    0% { border-color: #feb2b2; transform: scale(1); }
    50% { border-color: #e53e3e; box-shadow: 0 0 12px rgba(229, 62, 62, 0.3); transform: scale(1.01); }
    100% { border-color: #feb2b2; transform: scale(1); }
}

/* 2. Target the Legal Note boxes globally */
.pulsing-legal-note {
    font-size: 15px;
    color: #b91c1c;
    background: #fef2f2;
    padding: 16px;
    border-radius: 10px;
    border: 1.5px solid #fecaca;
    font-weight: 600;
    font-style: normal;
    line-height: 1.6;
    animation: noteGlowSoft 4s infinite ease-in-out;
    display: block;
    margin-top: 25px;
}

@keyframes noteGlowSoft {
  0% {
    opacity: 0.85;
    transform: scale(1);
  }
  50% {
    opacity: 1;
    transform: scale(1.01);
  }
  100% {
    opacity: 0.85;
    transform: scale(1);
  }
}

.info-section.premium-dark {
  max-width: 100%;
}

#report {
  max-width: 1100px;
  margin: 60px auto;
}

.scroll-cta-btn {
  background: #2563eb;
  color: #ffffff;
  padding: 10px 16px;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: 0 4px 10px rgba(37, 99, 235, 0.25);
  transition: all 0.3s ease;
}

.scroll-cta-btn:hover {
  background: #16a34a; /* green */
  box-shadow: 0 4px 12px rgba(22, 163, 74, 0.3);
}

 .nav-btn {
  background: rgba(255,255,255,0.08);
  color: #e2e8f0;
  padding: 8px 14px;
  border-radius: 8px;
  font-size: 13px;
  text-decoration: none;
  transition: all 0.25s ease;
}

/* HOVER */
.nav-btn:hover {
  background: rgba(255,255,255,0.15);
  color: #ffffff;
}

/* ACTIVE (VERY IMPORTANT) */
.nav-btn.active {
  background: #ffffff;
  color: #1e40af;
  font-weight: 700;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}

.nav-btn.active {
  background: var(--primary-blue) !important;
  color: #ffffff !important;
  font-weight: 600;
  border-color: var(--primary-blue) !important;
}

.cluster-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 18px 0 28px;
  padding: 14px;

  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: blur(10px);

  border-radius: 14px;
  border: 1px solid rgba(0,0,0,0.06);

  box-shadow: 0 10px 30px rgba(0,0,0,0.08);
}

.cluster-nav a {
  text-decoration: none;
  padding: 8px 16px;

  background: #ffffff;
  border-radius: 10px;

  color: #1f2937;
  border: 1px solid rgba(0,0,0,0.06);

  font-size: 13.5px;
  font-weight: 600;

  transition: all 0.25s ease;
}



.cluster-nav a:hover {
  background: #eef2ff;
  border-color: #c7d2fe;

  transform: translateY(-2px);
  box-shadow: 0 8px 18px rgba(0,0,0,0.08);
}

.active-cluster {
  background: linear-gradient(135deg, var(--primary-blue), var(--dark-blue));
  color: #ffffff !important;

  border: none;
  font-weight: 700;

  box-shadow: 0 10px 25px rgba(0,0,0,0.25);

  transform: translateY(-1px);
}

.active-cluster {
  position: relative;
}

.active-cluster::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 10px;
  box-shadow: 0 0 12px rgba(255,255,255,0.2);
  pointer-events: none;
}


/* ===== TYPOGRAPHY SYSTEM ===== */

h1 {
  font-size: 34px;
  font-weight: 800;
  line-height: 1.25;
}

h2 {
  font-size: 26px;
  font-weight: 700;
}

h3 {
  font-size: 18px;
  font-weight: 700;
}

p {
  font-size: 16px;
  line-height: 1.7;
}

.small-text {
  font-size: 13px;
  color: #64748b;
}

.card {
  background: #ffffff;
  border-radius: 16px;
  border: 1px solid rgba(0,0,0,0.05);

  padding: 24px;
  margin-bottom: 20px;

  box-shadow: 0 8px 24px rgba(0,0,0,0.06);

  transition: all 0.25s ease;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.10);
}


.btn {
  padding: 10px 18px;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  display: inline-block;
  transition: all 0.25s ease;
}

/* Primary */
.btn-primary {
  background: linear-gradient(135deg, var(--primary-blue), var(--dark-blue));
  color: #fff;
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
}

.btn-primary:hover {
  transform: translateY(-2px);
}

/* Secondary */
.btn-secondary {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  color: var(--primary-blue);
}


.section-gap {
  margin-top: 40px;
}

.section-gap-lg {
  margin-top: 60px;
}

.info-section {
  margin: 40px auto;
  max-width: 1000px;
}


.section-title {
  font-size: 26px;
  font-weight: 800;
  margin-bottom: 20px;
}

.section-subtitle {
  font-size: 18px;
  font-weight: 600;
  color: #475569;
}


.interactive {
  transition: all 0.25s ease;
}

.interactive:hover {
  transform: translateY(-3px);
}

.service-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}

.service-table th {
  text-align: left;
  background: #f1f5f9;
  padding: 12px;
  font-weight: 600;
}

.service-table td {
  padding: 12px;
  border-bottom: 1px solid #e2e8f0;
}

.service-table tr:hover {
  background: #f8fafc;
}

.number {
  font-weight: 600;
  font-size: 15px;
}

.call-btn {
  background: #0a2a66;
  color: white;
  padding: 6px 10px;
  border-radius: 6px;
  text-decoration: none;
  font-size: 13px;
}

.emergency-call {
  background: #dc2626;
}

.emergency-row {
  background: #fff5f5;
}

.verify-strip {
  margin-top: 15px;
  text-align: center;
  font-size: 13px;
}

.top-disclaimer {
  background: #ffe5e5;
  border: 1px solid #ffb3b3;
  color: #b30000;
  padding: 12px 15px;
  border-radius: 6px;
  margin-bottom: 15px;
  font-size: 13px;
  line-height: 1.5;
  animation: pulseFade 2.5s ease-in-out 1;
}

@keyframes pulseFade {
  0% { opacity: 1; }
  50% { opacity: 0.75; }
  100% { opacity: 1; }
}


.page-image {
  width: 100%;
  max-width: 900px;
  height: auto;
  display: block;
  margin: 15px auto;
  border-radius: 12px;
}