:root {
    --maroon: #941b27;
    --maroon-dark: #64121b;
    --maroon-deep: #410d14;
    --gold: #e6b94f;
    --gold-dark: #c89524;
    --gold-pale: #fff5d8;
    --ink: #25232a;
    --muted: #6f6b72;
    --surface-soft: #fbf8f4;
    --border: #e9e3df;
    --success: #198754;
    --danger: #c62828;
    --shadow-sm: 0 8px 24px rgba(47,23,22,.07);
    --shadow-md: 0 18px 48px rgba(47,23,22,.12);
    --radius-md: 18px;
    --radius-lg: 26px;
    --transition: .28s ease;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 95px; }
body {
    margin: 0;
    color: var(--ink);
    background: #fff;
    font-family: "DM Sans", sans-serif;
    font-size: 15px;
    line-height: 1.7;
    overflow-x: hidden;
}
h1,h2,h3,h4,h5,h6 {
    font-family: "Manrope", sans-serif;
    font-weight: 800;
    line-height: 1.25;
    color: var(--ink);
}
a { color: var(--maroon); text-decoration: none; transition: all var(--transition); }
a:hover { color: var(--maroon-dark); }
img { max-width: 100%; }
section[id] { scroll-margin-top: 95px; }

/* BUTTONS */
.btn {
    border-radius: 9px;
    font-size: 14px;
    font-weight: 700;
    padding: 12px 20px;
    transition: all var(--transition);
}
.btn:hover { transform: translateY(-2px); }
.btn-gold {
    color: #3d2600;
    background: var(--gold);
    border: 1px solid var(--gold);
    box-shadow: 0 7px 18px rgba(230,185,79,.18);
}
.btn-gold:hover { color: #2d1d00; background: #f0c966; border-color: #f0c966; }
.btn-maroon { color: #fff; background: var(--maroon); border: 1px solid var(--maroon); }
.btn-maroon:hover { color: #fff; background: var(--maroon-dark); border-color: var(--maroon-dark); }
.btn:focus-visible,a:focus-visible,button:focus-visible {
    outline: 3px solid var(--gold);
    outline-offset: 3px;
}

/* TOP STRIP */
.top-strip { color: #fff; background: var(--maroon-dark); font-size: 12px; }
.top-strip-inner {
    min-height: 38px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}
.top-strip i { color: var(--gold); margin-right: 6px; }
.top-contact { display: flex; gap: 22px; }
.top-contact a { color: #fff; }
.top-contact a:hover { color: var(--gold); }

/* HEADER */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255,255,255,.97);
    border-bottom: 1px solid rgba(100,18,27,.08);
    box-shadow: 0 4px 22px rgba(25,12,12,.04);
    backdrop-filter: blur(12px);
}
.site-header .navbar { padding: 10px 0; }
.brand-logo { display: block; width: auto; max-width: 235px; max-height: 65px; object-fit: contain; }
.site-header .navbar-nav { gap: 3px; }
.site-header .nav-link {
    position: relative;
    color: #383239;
    font-size: 13px;
    font-weight: 700;
    padding: 13px 11px !important;
}
.site-header .nav-link::after {
    position: absolute;
    right: 11px;
    bottom: 5px;
    left: 11px;
    height: 2px;
    content: "";
    background: var(--gold-dark);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--transition);
}
.site-header .nav-link:hover,
.site-header .nav-link.active { color: var(--maroon); }
.site-header .nav-link:hover::after,
.site-header .nav-link.active::after { transform: scaleX(1); }
.navbar-toggler { border-color: rgba(148,27,39,.25); }
.navbar-toggler:focus { box-shadow: 0 0 0 .2rem rgba(148,27,39,.12); }

/* HERO SLIDER */
.hero-slider {
    position: relative;
    height: min(690px,72vw);
    min-height: 570px;
    max-height: 720px;
    overflow: hidden;
    isolation: isolate;
    background: var(--maroon-deep);
}
.hero-slide {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    visibility: hidden;
    opacity: 0;
    background-image: var(--slide-image);
    background-position: center;
    background-size: cover;
    transform: scale(1.035);
    transition: opacity .9s ease, transform 6s ease, visibility .9s;
}
.hero-slide.active {
    z-index: 1;
    visibility: visible;
    opacity: 1;
    transform: scale(1);
}
.hero-shade {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(47, 6, 13, 0.08) 0%,
        rgba(84, 12, 22, 0.04) 45%,
        rgba(77, 16, 23, 0.02) 75%,
        transparent 100%
    );
    pointer-events: none;
}
.hero-content-wrap {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    min-height: 100%;
    padding-top: 70px;
    padding-bottom: 90px;
}
.hero-content { max-width: 750px; color: #fff; animation: heroIn .8s both; }
.hero-slide:not(.active) .hero-content { animation: none; }
@keyframes heroIn {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}
.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    margin-bottom: 20px;
    color: var(--maroon);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
    text-transform: uppercase;
}
.eyebrow-light {
    padding: 8px 13px;
    color: var(--gold);
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(230,185,79,.35);
    border-radius: 30px;
}
.hero-content h1 {
    margin-bottom: 22px;
    color: #fff;
    font-size: clamp(38px,5vw,67px);
    letter-spacing: -2px;
    line-height: 1.12;
}
.hero-content h1 span { color: var(--gold); }
.hero-content > p {
    max-width: 600px;
    margin-bottom: 28px;
    color: rgba(255,255,255,.86);
    font-size: 17px;
    line-height: 1.8;
}
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }
.hero-actions .btn { padding: 14px 22px; }
.hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 24px;
    margin-top: 32px;
    color: rgba(255,255,255,.9);
    font-size: 12px;
    font-weight: 600;
}
.hero-points i { margin-right: 5px; color: var(--gold); }
.hero-arrow {
    position: absolute;
    top: 50%;
    z-index: 5;
    display: grid;
    width: 44px;
    height: 44px;
    place-items: center;
    color: #fff;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.3);
    border-radius: 50%;
    transform: translateY(-50%);
    transition: all var(--transition);
}
.hero-arrow:hover { color: var(--maroon-dark); background: var(--gold); }
.hero-prev { left: 24px; }
.hero-next { right: 24px; }
.hero-dots {
    position: absolute;
    right: 0;
    bottom: 26px;
    left: 0;
    z-index: 5;
    display: flex;
    justify-content: center;
    gap: 9px;
}
.hero-dot {
    width: 9px;
    height: 9px;
    padding: 0;
    background: rgba(255,255,255,.5);
    border: 0;
    border-radius: 20px;
    transition: all var(--transition);
}
.hero-dot.active { width: 29px; background: var(--gold); }

/* QUICK FEATURES */
.quick-features { padding-bottom: 20px; background: var(--surface-soft); }
.feature-strip {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    padding: 25px 20px;
    background: #fff;
    border: 1px solid var(--border);
    border-top: 0;
    border-radius: 0 0 var(--radius-md) var(--radius-md);
    box-shadow: var(--shadow-sm);
}
.quick-feature {
    display: flex;
    align-items: center;
    gap: 13px;
    padding: 5px 20px;
    border-right: 1px solid var(--border);
}
.quick-feature:last-child { border-right: 0; }
.quick-icon {
    display: grid;
    flex: 0 0 48px;
    width: 48px;
    height: 48px;
    place-items: center;
    color: var(--maroon);
    background: var(--gold-pale);
    border-radius: 14px;
    font-size: 19px;
}
.quick-feature strong,.quick-feature small { display: block; }
.quick-feature strong { font-size: 13px; font-weight: 800; }
.quick-feature small { color: var(--muted); font-size: 11px; }

/* COMMON SECTIONS */
.section-space { padding: 90px 0; }
.section-heading { max-width: 760px; margin: 0 auto 45px; text-align: center; }
.section-kicker,.panel-kicker {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--maroon);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
    text-transform: uppercase;
}
.section-heading h2,.benefits-content h2 {
    margin-bottom: 15px;
    font-size: clamp(28px,3.2vw,42px);
    letter-spacing: -1.2px;
}
.section-heading h2 span,.section-title-left span { color: var(--maroon); }
.section-heading > p { max-width: 670px; margin: 0 auto; color: var(--muted); }
.section-title-left { margin-bottom: 22px; font-size: clamp(30px,3.3vw,43px); }
.section-copy { color: var(--muted); line-height: 1.85; }

/* APPLICATION AND CALCULATOR */
.application-calculator {
    background: radial-gradient(circle at 0 0,rgba(230,185,79,.1),transparent 27%),var(--surface-soft);
}
.panel-card {
    height: 100%;
    padding: 30px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}
.application-card { border-top: 4px solid var(--maroon); }
.calculator-card { border-top: 4px solid var(--gold-dark); }
.panel-heading {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 27px;
    padding-bottom: 22px;
    border-bottom: 1px solid var(--border);
}
.panel-heading h3 { margin-bottom: 7px; font-size: 21px; }
.panel-heading p { margin-bottom: 0; color: var(--muted); font-size: 13px; }
.panel-kicker { margin-bottom: 8px; font-size: 10px; }
.panel-heading-icon {
    display: grid;
    flex: 0 0 49px;
    width: 49px;
    height: 49px;
    place-items: center;
    color: var(--maroon);
    background: var(--gold-pale);
    border-radius: 14px;
    font-size: 20px;
}

/* WIZARD */
.wizard-progress { display: flex; align-items: flex-start; margin-bottom: 32px; }
.wizard-step {
    display: flex;
    flex: 0 0 auto;
    flex-direction: column;
    align-items: center;
    gap: 7px;
    color: #969099;
    font-size: 11px;
    font-weight: 700;
}
.wizard-step .circle {
    display: grid;
    width: 37px;
    height: 37px;
    place-items: center;
    color: #817b81;
    background: #f4f1f0;
    border: 1px solid #e7e0dd;
    border-radius: 50%;
    font-weight: 800;
}
.wizard-step.active,.wizard-step.completed { color: var(--maroon); }
.wizard-step.active .circle,.wizard-step.completed .circle {
    color: #fff;
    background: var(--maroon);
    border-color: var(--maroon);
}
.wizard-line { flex: 1; height: 2px; margin: 18px 10px 0; background: #e7e0dd; }
.form-step { display: none; animation: stepIn .35s ease both; }
.form-step.active { display: block; }
@keyframes stepIn {
    from { opacity: 0; transform: translateY(8px); }
    to { opacity: 1; transform: translateY(0); }
}
.form-step h4 { margin-bottom: 6px; font-size: 19px; }
.form-step-intro { margin-bottom: 22px; color: var(--muted); font-size: 13px; }
.form-label { margin-bottom: 7px; color: #39343a; font-size: 12px; font-weight: 700; }
.form-label span { color: var(--danger); }
.form-control,.form-select {
    min-height: 47px;
    color: var(--ink);
    background-color: #fff;
    border: 1px solid #e1d9d6;
    border-radius: 9px;
    font-size: 13px;
    box-shadow: none;
    transition: border-color var(--transition),box-shadow var(--transition);
}
.form-control::placeholder { color: #a39ca2; }
.form-control:focus,.form-select:focus {
    border-color: var(--maroon);
    box-shadow: 0 0 0 3px rgba(148,27,39,.09);
}
textarea.form-control { min-height: 105px; resize: vertical; }
.form-control.field-error { border-color: var(--danger); background: #fffafa; }
.form-control.field-success { border-color: var(--success); background: #fbfffc; }
.unique-validation { margin-top: 5px; font-size: 11px; }
.unique-validation:empty { display: none; }
.unique-validation.error { color: var(--danger); }
.unique-validation.success { color: var(--success); }
.unique-validation.checking { color: #8b6a10; }
.form-navigation {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 27px;
    padding-top: 21px;
    border-top: 1px solid var(--border);
}
.form-navigation .btn { min-height: 46px; }
.privacy-note {
    display: flex;
    gap: 10px;
    margin-top: 23px;
    padding: 13px 15px;
    color: #62533a;
    background: #fff8e6;
    border: 1px solid #f3e4b7;
    border-radius: 10px;
    font-size: 11px;
}

/* EMI CALCULATOR */
.calculator-control { margin-bottom: 24px; }
.calculator-control .form-label { display: block; margin-bottom: 8px; }
.mudra-range { height: 8px; margin: 9px 0 13px; accent-color: var(--maroon); cursor: pointer; }
.mudra-range::-webkit-slider-thumb {
    width: 19px;
    height: 19px;
    background: var(--maroon);
    border: 3px solid #fff;
    box-shadow: 0 0 0 2px var(--maroon);
}
.calculator-value { min-height: 40px; font-weight: 700; }
.range-hints { display: flex; justify-content: space-between; color: #8c858b; font-size: 10px; }
.emi-result-panel {
    margin: 28px 0 18px;
    padding: 24px;
    color: #fff;
    background: linear-gradient(145deg,var(--maroon),var(--maroon-dark));
    border-radius: var(--radius-md);
    box-shadow: 0 12px 28px rgba(100,18,27,.17);
}
.result-label { color: rgba(255,255,255,.75); font-size: 12px; }
.emi-result-panel h2 { margin: 7px 0 16px; color: var(--gold); font-size: clamp(29px,3vw,37px); }
.emi-result-panel hr { border-color: rgba(255,255,255,.2); opacity: 1; }
.result-summary { display: grid; gap: 13px; }
.result-summary > div { display: flex; justify-content: space-between; gap: 12px; }
.result-summary span { color: rgba(255,255,255,.76); font-size: 12px; }
.result-summary strong { color: #fff; font-size: 13px; text-align: right; }
.calculator-disclaimer { color: #8a8288; font-size: 10px; line-height: 1.7; }

/* ABOUT */
.about-section { background: #fff; }
.about-visual { position: relative; min-height: 400px; padding: 0 20px 20px 0; }
.about-visual::before {
    position: absolute;
    inset: 22px 0 0 25px;
    content: "";
    background: var(--gold-pale);
    border-radius: var(--radius-lg);
}
.about-visual > img {
    position: relative;
    z-index: 1;
    width: 100%;
    height: 420px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}
.about-stamp {
    position: absolute;
    top: 35px;
    left: -8px;
    z-index: 2;
    display: flex;
    align-items: center;
    gap: 11px;
    padding: 14px 18px;
    color: #fff;
    background: var(--maroon);
    border-radius: 12px;
    box-shadow: var(--shadow-md);
}
.about-stamp i { color: var(--gold); font-size: 25px; }
.about-points { display: grid; gap: 12px; margin: 24px 0; }
.about-points div { display: flex; gap: 10px; color: #514a50; font-size: 13px; font-weight: 600; }
.about-points i { color: var(--maroon); }

/* SCHEMES */
.schemes-section { background: var(--surface-soft); }
.scheme-card {
    position: relative;
    height: 100%;
    overflow: hidden;
    padding: 32px 28px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
}
.scheme-card::before {
    position: absolute;
    inset: 0 0 auto;
    height: 4px;
    content: "";
    background: linear-gradient(90deg,var(--maroon),var(--gold));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--transition);
}
.scheme-card:hover { border-color: rgba(148,27,39,.2); box-shadow: var(--shadow-md); transform: translateY(-7px); }
.scheme-card:hover::before { transform: scaleX(1); }
.scheme-icon {
    display: grid;
    width: 60px;
    height: 60px;
    margin-bottom: 23px;
    place-items: center;
    color: var(--maroon);
    background: var(--gold-pale);
    border-radius: 17px;
    font-size: 25px;
}
.scheme-label { color: var(--maroon); font-size: 10px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase; }
.scheme-card h3 { margin: 7px 0 5px; font-size: 27px; }
.scheme-amount { margin-bottom: 17px; color: var(--maroon); font-size: 20px; font-weight: 800; }
.scheme-card > p:not(.scheme-amount) { min-height: 75px; color: var(--muted); font-size: 13px; line-height: 1.8; }
.scheme-link {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    padding-top: 17px;
    color: var(--maroon);
    border-top: 1px solid var(--border);
    font-size: 12px;
    font-weight: 800;
}
.scheme-note { display: flex; gap: 9px; margin-top: 26px; color: #746d68; font-size: 11px; }

/* BENEFITS */
.benefits-section { background: #fff; }
.benefits-wrap {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 55px;
    align-items: center;
    padding: 55px;
    color: #fff;
    background: var(--maroon-dark);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}
.benefits-content h2 { color: #fff; }
.benefits-content h2 span,.benefits-content .section-kicker { color: var(--gold); }
.benefits-content > p { color: rgba(255,255,255,.74); font-size: 14px; line-height: 1.8; }
.benefit-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 25px 20px; margin-top: 30px; }
.benefit-item { display: flex; align-items: flex-start; gap: 12px; }
.benefit-item > span {
    display: grid;
    flex: 0 0 42px;
    width: 42px;
    height: 42px;
    place-items: center;
    color: var(--gold);
    background: rgba(255,255,255,.09);
    border-radius: 12px;
}
.benefit-item h4 { margin-bottom: 5px; color: #fff; font-size: 13px; }
.benefit-item p { margin: 0; color: rgba(255,255,255,.65); font-size: 11px; }
.benefits-image { position: relative; min-height: 420px; }
.benefits-image > img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    border: 5px solid rgba(255,255,255,.15);
    border-radius: var(--radius-lg);
}
.image-note {
    position: absolute;
    right: -14px;
    bottom: 25px;
    display: flex;
    align-items: center;
    gap: 13px;
    padding: 17px 20px;
    color: var(--ink);
    background: #fff;
    border-radius: 13px;
    box-shadow: var(--shadow-md);
    font-size: 12px;
}
.image-note i,.image-note strong { color: var(--maroon); }

/* PROCESS */
.process-section { background: var(--surface-soft); }
.process-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
    align-items: start;
    gap: 16px;
}
.process-step { text-align: center; }
.process-icon {
    position: relative;
    display: grid;
    width: 78px;
    height: 78px;
    margin: 0 auto 22px;
    place-items: center;
    color: var(--maroon);
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 23px;
    box-shadow: var(--shadow-sm);
    font-size: 27px;
    transition: all var(--transition);
}
.process-step:hover .process-icon { color: #fff; background: var(--maroon); }
.process-icon span {
    position: absolute;
    top: -8px;
    right: -8px;
    display: grid;
    width: 28px;
    height: 28px;
    place-items: center;
    color: #3d2600;
    background: var(--gold);
    border: 3px solid var(--surface-soft);
    border-radius: 50%;
    font-size: 9px;
    font-weight: 800;
}
.process-step h3 { margin-bottom: 10px; font-size: 15px; }
.process-step p { color: var(--muted); font-size: 12px; }
.process-connector { padding-top: 27px; color: #c9a84e; }

/* TRUST BAND */
.trust-band { padding: 30px 0; color: #fff; background: var(--maroon); }
.trust-band-inner { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.trust-band-inner > div { display: flex; align-items: center; gap: 13px; }
.trust-icon {
    display: grid;
    flex: 0 0 46px;
    width: 46px;
    height: 46px;
    place-items: center;
    color: var(--gold);
    background: rgba(255,255,255,.1);
    border-radius: 13px;
}
.trust-band p { margin: 0; }
.trust-band strong,.trust-band small { display: block; }
.trust-band strong { color: #fff; font-size: 12px; }
.trust-band small { color: rgba(255,255,255,.7); font-size: 10px; }

/* FAQ */
.mudra-accordion .accordion-item {
    margin-bottom: 12px;
    overflow: hidden;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 12px;
}
.mudra-accordion .accordion-button {
    padding: 20px 22px;
    color: var(--ink);
    background: #fff;
    box-shadow: none;
    font-family: "Manrope",sans-serif;
    font-size: 14px;
    font-weight: 800;
}
.mudra-accordion .accordion-button:not(.collapsed) { color: var(--maroon); background: #fffaf0; }
.mudra-accordion .accordion-body { padding: 0 22px 22px; color: var(--muted); font-size: 13px; line-height: 1.85; }

/* CONTACT CTA */
.contact-cta {
    padding: 54px 0;
    color: #fff;
    background: radial-gradient(circle at 90% 10%,rgba(230,185,79,.18),transparent 27%),linear-gradient(115deg,var(--maroon-dark),var(--maroon));
}
.contact-cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.section-kicker-light { color: var(--gold); }
.contact-cta h2 { max-width: 700px; margin-bottom: 10px; color: #fff; font-size: clamp(26px,3vw,37px); }
.contact-cta p { margin: 0; color: rgba(255,255,255,.75); }

/* FOOTER */
.site-footer { padding: 65px 0 0; color: rgba(255,255,255,.7); background: #260b10; }
.footer-brand { display: inline-block; margin-bottom: 20px; padding: 8px 12px; background: #fff; border-radius: 10px; }
.footer-brand img { max-width: 210px; max-height: 60px; object-fit: contain; }
.footer-about,.footer-note { color: rgba(255,255,255,.63); font-size: 12px; line-height: 1.9; }
.site-footer h3 { margin-bottom: 22px; color: #fff; font-size: 15px; }
.footer-links { display: grid; gap: 11px; margin: 0; padding: 0; list-style: none; }
.footer-links a { color: rgba(255,255,255,.65); font-size: 12px; }
.footer-links a:hover { color: var(--gold); padding-left: 4px; }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.footer-social a {
    display: grid;
    width: 37px;
    height: 37px;
    place-items: center;
    color: var(--gold);
    background: rgba(255,255,255,.08);
    border-radius: 10px;
}
.footer-social a:hover { color: var(--maroon-dark); background: var(--gold); }
.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    margin-top: 50px;
    padding: 22px 0;
    border-top: 1px solid rgba(255,255,255,.12);
}
.footer-bottom p { margin: 0; color: rgba(255,255,255,.55); font-size: 11px; }
.footer-bottom a { color: var(--gold); font-size: 11px; font-weight: 700; }

/* BACK TO TOP */
.back-to-top {
    position: fixed;
    right: 22px;
    bottom: 22px;
    z-index: 999;
    display: grid;
    width: 46px;
    height: 46px;
    place-items: center;
    color: #3d2600;
    background: var(--gold);
    border-radius: 13px;
    box-shadow: var(--shadow-md);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all var(--transition);
}
.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { color: #fff; background: var(--maroon); }

@media (prefers-reduced-motion: reduce) {
    *,*::before,*::after {
        scroll-behavior: auto !important;
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
    }
}