/**
 * NITYA VIKAS — home page (bank-grade redesign).
 * Tokens: navy + gold + cream. Scoped under .nv-home so other pages aren't affected.
 */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,500&family=Inter:wght@300;400;500;600;700&display=swap');

body.nv-home-skin {
  /* Surfaces: neutral grey bands so gold→lime heading gradients read clearly (sage cream removed). */
  --nv-navy: #1a2332;
  --nv-navy-2: #314056;
  --nv-navy-deep: #0d1825;
  --nv-green: #92d04f;
  --nv-green-soft: #92d04f;
  --nv-green-deep: #92d04f;
  --nv-gold: #efc066;
  --nv-gold-soft: #f4d18a;
  --nv-gold-deep: #b88a2e;
  /* --nv-brand-lime* from settings.php (:root) */
  --nv-cream: #e4e6eb;
  --nv-cream-2: #d8dce4;
  --nv-paper: #f7f8fa;
  --nv-ink: #1a2332;
  --nv-ink-2: #314056;
  --nv-muted: #5c6574;
  --nv-line: #cfd4dc;
  --nv-line-2: #e2e5ea;
  --nv-success: #92d04f;
  --nv-warn: #b88a2e;
  --nv-radius: 14px;
  --nv-radius-lg: 22px;
  --nv-radius-xl: 32px;
  --nv-shadow-sm: 0 2px 6px rgba(10, 37, 64, 0.06);
  --nv-shadow: 0 14px 40px -16px rgba(10, 37, 64, 0.18);
  --nv-shadow-strong: 0 28px 60px -22px rgba(10, 37, 64, 0.32);
  --nv-font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --nv-font-sans: 'Inter', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  /* Heading <em> on light grey: deeper mid-green so lime reads; numbers strip uses full bright gradient below */
  --nv-h2-em-grad-on-grey: linear-gradient(
    135deg,
    var(--nv-gold-deep) 0%,
    color-mix(in srgb, var(--nv-brand-lime) 58%, var(--nv-navy) 42%) 44%,
    color-mix(in srgb, var(--nv-brand-lime) 82%, var(--nv-gold-deep) 18%) 72%,
    color-mix(in srgb, var(--nv-gold) 72%, var(--nv-gold-deep) 28%) 100%
  );
  --nv-h2-em-grad-bright: linear-gradient(135deg, var(--nv-gold-deep) 0%, var(--nv-brand-lime) 45%, var(--nv-gold) 100%);
  background: var(--nv-cream);
}

body.nv-home-skin .nv-home {
  font-family: var(--nv-font-sans);
  color: var(--nv-ink);
  background: var(--nv-cream);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

.nv-home .container {
  max-width: 1200px;
}

/* —— Reveal animations —— */
.nv-home [data-reveal] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.9s cubic-bezier(0.2, 0.7, 0.2, 1), transform 0.9s cubic-bezier(0.2, 0.7, 0.2, 1);
  will-change: opacity, transform;
}

.nv-home [data-reveal='left'] {
  transform: translateX(-32px);
}

.nv-home [data-reveal='right'] {
  transform: translateX(32px);
}

.nv-home [data-reveal='zoom'] {
  transform: scale(0.94);
}

.nv-home [data-reveal].is-visible {
  opacity: 1;
  transform: translate(0, 0) scale(1);
}

/* —— Type primitives —— */
.nv-home .nv-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--nv-gold-deep);
  margin: 0 0 1rem;
}

.nv-home .nv-eyebrow::before {
  content: '';
  width: 28px;
  height: 1.5px;
  background: var(--nv-gold);
}

.nv-home .nv-eyebrow--light {
  color: var(--nv-gold-soft);
}

.nv-home .nv-eyebrow--light::before {
  background: var(--nv-gold-soft);
}

.nv-home .nv-h1,
.nv-home .nv-h2 {
  font-family: var(--nv-font-display);
  color: var(--nv-navy);
  font-weight: 600;
  letter-spacing: -0.01em;
  margin: 0 0 1rem;
}

.nv-home .nv-h1 {
  font-size: clamp(2.1rem, 5vw, 4rem);
  line-height: 1.05;
}

.nv-home .nv-h2 {
  font-size: clamp(1.75rem, 3.4vw, 2.85rem);
  line-height: 1.12;
}

.nv-home .nv-h2 em,
.nv-home .nv-h1 em {
  font-style: italic;
  color: var(--nv-gold-deep);
  font-weight: 500;
}

.nv-home .nv-h2--light,
.nv-home .nv-h1--light {
  color: #fff;
}

.nv-home .nv-h2--light em {
  color: var(--nv-gold-soft);
}

.nv-home .nv-lead {
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--nv-ink-2);
  margin: 0 0 1.25rem;
}

.nv-home .nv-text {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--nv-muted);
}

.nv-home .nv-text--light {
  color: rgba(255, 255, 255, 0.78);
}

.nv-home .nv-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--nv-navy);
  font-weight: 600;
  text-decoration: none;
  position: relative;
  padding-bottom: 2px;
  transition: color 0.25s ease, gap 0.25s ease;
}

.nv-home .nv-link::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 1.5px;
  background: var(--nv-gold);
  transform: scaleX(0.4);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.nv-home .nv-link:hover {
  color: var(--nv-gold-deep);
  gap: 0.7rem;
}

.nv-home .nv-link:hover::after {
  transform: scaleX(1);
}

/* —— Buttons —— */
.nv-home .nv-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.95rem 1.85rem;
  font-family: var(--nv-font-sans);
  font-weight: 600;
  font-size: 0.94rem;
  letter-spacing: 0.01em;
  border-radius: 999px;
  text-decoration: none;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease, color 0.25s ease, border-color 0.25s ease;
}

.nv-home .nv-btn-gold {
  background: linear-gradient(135deg, var(--nv-gold) 0%, var(--nv-gold-deep) 100%);
  color: #fff;
  border-color: transparent;
  box-shadow: 0 8px 20px -8px rgba(140, 108, 31, 0.6);
}

.nv-home .nv-btn-gold:hover {
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 14px 28px -10px rgba(140, 108, 31, 0.7);
  filter: brightness(1.05);
}

.nv-home .nv-btn-navy {
  background: var(--nv-navy);
  color: #fff;
}

.nv-home .nv-btn-navy:hover {
  background: var(--nv-navy-2);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: var(--nv-shadow);
}

.nv-home .nv-btn-ghost {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.4);
}

.nv-home .nv-btn-ghost:hover {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.7);
  transform: translateY(-2px);
}

.nv-home .nv-hero .nv-btn-ghost:hover {
  border-color: rgba(168, 217, 114, 0.65);
}

.nv-home .nv-hero .nv-btn-ghost:focus-visible {
  border-color: rgba(168, 217, 114, 0.85);
  box-shadow: 0 0 0 3px var(--nv-brand-lime-glow);
  outline: none;
}

.nv-home .nv-btn-outline {
  background: transparent;
  color: var(--nv-navy);
  border-color: var(--nv-navy);
}

.nv-home .nv-btn-outline:hover {
  background: var(--nv-navy);
  color: #fff;
  transform: translateY(-2px);
}

/* —— 1. HERO —— */
.nv-home .nv-hero {
  position: relative;
  min-height: clamp(580px, 92vh, 840px);
  background: var(--nv-navy-deep);
  color: #fff;
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
}

/* Image-only hero: full-bleed slider, no text/card/stats */
.nv-home .nv-hero--images-only {
  min-height: clamp(420px, 68vh, 680px);
  justify-content: flex-end;
}

.nv-home .nv-hero--images-only .nv-hero-overlay {
  background: linear-gradient(180deg,
    rgba(6, 22, 41, 0.08) 0%,
    rgba(6, 22, 41, 0.22) 55%,
    rgba(6, 22, 41, 0.45) 100%);
}

.nv-home .nv-hero--images-only .nv-hero-overlay::after {
  opacity: 0.35;
}

.nv-home .nv-hero--images-only .nv-hero-dots.nv-hero-dots--bottom {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 1.75rem;
  margin: 0 auto;
  width: fit-content;
  max-width: 100%;
  transform: none;
  grid-column: unset;
  grid-row: unset;
  z-index: 3;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  pointer-events: auto;
}

@media (min-width: 992px) {
  .nv-home .nv-hero--images-only.nv-hero--video-active {
    min-height: 100vh;
    height: 100vh;
  }
}

.nv-home .nv-hero--video-active .nv-hero-overlay {
  background: linear-gradient(180deg,
    transparent 0%,
    transparent 60%,
    rgba(6, 22, 41, 0.35) 100%);
}

.nv-home .nv-hero-mute-btn {
  position: absolute;
  right: 1.5rem;
  bottom: 1.75rem;
  z-index: 4;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  border: 1px solid rgba(255, 255, 255, 0.35);
  border-radius: 50%;
  background: rgba(6, 22, 41, 0.55);
  color: #fff;
  cursor: pointer;
  pointer-events: auto;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
}

.nv-home .nv-hero-mute-btn:hover {
  background: rgba(6, 22, 41, 0.75);
  border-color: rgba(255, 255, 255, 0.55);
}

.nv-home .nv-hero-mute-btn:focus-visible {
  outline: 2px solid var(--nv-gold, #c9a227);
  outline-offset: 2px;
}

.nv-home .nv-hero-mute-btn i {
  font-size: 1.15rem;
  line-height: 1;
}

@media (max-width: 991px) {
  .nv-home .nv-hero-mute-btn {
    right: 1rem;
    bottom: 1.25rem;
    width: 40px;
    height: 40px;
  }

  .nv-home .nv-hero-mute-btn i {
    font-size: 1rem;
  }
}

@media (max-width: 991px) {
  .nv-home .nv-hero--images-only {
    min-height: clamp(340px, 55vh, 520px);
  }
  .nv-home .nv-hero--images-only .nv-hero-dots.nv-hero-dots--bottom {
    bottom: 1.25rem;
  }
}

.nv-home .nv-hero-bgs {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}

.nv-home .nv-hero-bg-layer {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0;
  transform: scale(1.05);
  transition: opacity 0.95s ease;
  pointer-events: none;
}

.nv-home .nv-hero-bg-layer.is-active {
  opacity: 1;
  z-index: 1;
}

.nv-home .nv-hero-bg-layer.is-active[data-slide-type="image"] {
  animation: nvHeroBgKen 18s ease-out forwards;
}

.nv-home .nv-hero-bg-layer--video .nv-hero-bg-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  pointer-events: none;
  opacity: 1;
  transition: opacity 0.4s ease;
}

.nv-home .nv-hero-bg-layer--video.is-buffering .nv-hero-bg-video {
  opacity: 0;
}

.nv-home .nv-hero-bg-layer--video.is-buffering::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 40px;
  height: 40px;
  margin: -20px 0 0 -20px;
  border: 3px solid rgba(255, 255, 255, 0.25);
  border-top-color: #fff;
  border-radius: 50%;
  animation: nvHeroSpinner 0.8s linear infinite;
  z-index: 2;
  pointer-events: none;
}

@keyframes nvHeroSpinner {
  to { transform: rotate(360deg); }
}

.nv-home .nv-hero--buffering .nv-hero-dot.is-active .nv-hero-dot__fill {
  animation-play-state: paused;
}

.nv-home .nv-hero-bg-layer--video.is-active .nv-hero-bg-video {
  z-index: 1;
}

.nv-home .nv-hero-bg-layer:not(.is-active) {
  animation: none !important;
  opacity: 0;
  transform: scale(1.05);
}

@keyframes nvHeroBgKen {
  to { transform: scale(1); }
}

.nv-home .nv-hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(120deg,
    rgba(6, 22, 41, 0.92) 0%,
    rgba(10, 37, 64, 0.78) 35%,
    rgba(10, 37, 64, 0.55) 65%,
    rgba(6, 22, 41, 0.4) 100%);
}

.nv-home .nv-hero-overlay::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 55% 48% at 12% 88%, rgba(168, 217, 114, 0.16), transparent 58%),
    radial-gradient(ellipse 60% 50% at 80% 10%, rgba(201, 161, 74, 0.18), transparent 60%);
}

.nv-home .nv-hero-content {
  position: relative;
  z-index: 2;
  padding: clamp(4rem, 8vw, 6rem) 1.25rem 9rem;
}

.nv-home .nv-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--nv-gold-soft);
  margin: 0 0 1.25rem;
}

.nv-home .nv-hero-eyebrow::before {
  content: '';
  width: 36px;
  height: 1.5px;
  background: linear-gradient(90deg, var(--nv-gold) 0%, var(--nv-brand-lime) 100%);
}

.nv-home .nv-hero-h1 {
  font-family: var(--nv-font-display);
  font-size: clamp(2.1rem, 5vw, 3.85rem);
  line-height: 1.06;
  font-weight: 600;
  margin: 0 0 1.25rem;
  letter-spacing: -0.01em;
}

.nv-home .nv-hero-h1 em {
  font-style: italic;
  color: var(--nv-gold-soft);
  font-weight: 500;
}

.nv-home .nv-hero-h1 .nv-hero-h1-name {
  display: block;
  font-size: clamp(0.9rem, 1.4vw, 1.05rem);
  font-family: var(--nv-font-sans);
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 0.85rem;
}

.nv-home .nv-hero-lead {
  font-size: 1.1rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.82);
  max-width: 38rem;
  margin: 0 0 2rem;
}

.nv-home .nv-hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-bottom: 2.5rem;
}

.nv-home .nv-hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

/* ===== Hero slider (rotating left content) ===== */
.nv-home .nv-hero-slider {
  position: relative;
  display: grid;
  grid-template-columns: 1fr;
  grid-template-rows: auto auto;
  row-gap: 1.5rem;
}

.nv-home .nv-hero-slide {
  grid-column: 1;
  grid-row: 1;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(28px) scale(0.985);
  filter: blur(6px);
  transition:
    opacity 0.85s cubic-bezier(0.22, 0.61, 0.36, 1),
    transform 0.95s cubic-bezier(0.22, 0.61, 0.36, 1),
    filter 0.85s ease;
  will-change: opacity, transform, filter;
}

.nv-home .nv-hero-slide.is-active {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateY(0) scale(1);
  filter: blur(0);
}

.nv-home .nv-hero-slide.is-leaving {
  opacity: 0;
  transform: translateY(-22px) scale(0.99);
  filter: blur(4px);
}

/* Stagger inner pieces of the active slide for a polished feel */
.nv-home .nv-hero-slide > * {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.6s ease, transform 0.7s cubic-bezier(0.22, 0.61, 0.36, 1);
}
.nv-home .nv-hero-slide.is-active > * {
  opacity: 1;
  transform: translateY(0);
}
.nv-home .nv-hero-slide.is-active > .nv-hero-eyebrow { transition-delay: 0.10s; }
.nv-home .nv-hero-slide.is-active > .nv-hero-h1      { transition-delay: 0.20s; }
.nv-home .nv-hero-slide.is-active > .nv-hero-lead    { transition-delay: 0.32s; }
.nv-home .nv-hero-slide.is-active > .nv-hero-cta     { transition-delay: 0.44s; }
.nv-home .nv-hero-slide.is-active > .nv-hero-trust   { transition-delay: 0.56s; }

/* No lift on hover inside hero text slider — avoids layout “push” / shift */
.nv-home .nv-hero-slider .nv-btn-gold:hover,
.nv-home .nv-hero-slider .nv-btn-ghost:hover,
.nv-home .nv-hero-slider .nv-trust-pill:hover {
  transform: none;
}

/* Slide dots / progress controls */
.nv-home .nv-hero-dots {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  grid-column: 1;
  grid-row: 2;
  position: relative;
  z-index: 3;
  pointer-events: auto;
}

.nv-home .nv-hero-dot {
  appearance: none;
  border: 0;
  padding: 0;
  background: transparent;
  width: 38px;
  height: 4px;
  border-radius: 999px;
  position: relative;
  overflow: hidden;
  cursor: pointer;
  outline: none;
}

.nv-home .nv-hero-dot::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255, 255, 255, 0.22);
  border-radius: inherit;
}

.nv-home .nv-hero-dot__fill {
  position: absolute;
  inset: 0;
  background: var(--nv-brand-lime);
  background: linear-gradient(90deg, var(--nv-brand-lime) 0%, color-mix(in srgb, var(--nv-brand-lime) 70%, var(--nv-gold)) 100%);
  border-radius: inherit;
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.4s ease;
}

.nv-home .nv-hero-dot:hover::before {
  background: rgba(255, 255, 255, 0.4);
}

.nv-home .nv-hero-dot.is-active {
  width: 56px;
}

.nv-home .nv-hero-dot.is-active .nv-hero-dot__fill {
  animation: nvHeroDotFill var(--nv-hero-interval, 7s) linear forwards;
}

.nv-home .nv-hero-dot:focus-visible {
  box-shadow: 0 0 0 3px var(--nv-brand-lime-mid);
}

@keyframes nvHeroDotFill {
  from { transform: scaleX(0); }
  to   { transform: scaleX(1); }
}

.nv-home .nv-trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.45rem 0.95rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
}

.nv-home .nv-trust-pill i {
  color: var(--nv-brand-lime);
}

/* Hero floating contact card */
.nv-home .nv-hero-card {
  position: relative;
  background: rgba(255, 255, 255, 0.97);
  border-radius: var(--nv-radius-lg);
  padding: 1.65rem;
  color: var(--nv-ink);
  box-shadow: 0 30px 60px -20px rgba(0, 0, 0, 0.5);
  border-top: none;
  overflow: hidden;
}

.nv-home .nv-hero-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  width: 100%;
  height: 4px;
  box-sizing: border-box;
  border-radius: 0;
  background: linear-gradient(90deg, var(--nv-gold) 0%, var(--nv-brand-lime) 100%);
  pointer-events: none;
  z-index: 0;
}

.nv-home .nv-hero-card-title {
  font-family: var(--nv-font-display);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--nv-navy);
  margin: 0 0 1rem;
  padding-bottom: 0.85rem;
  border-bottom: 1px solid var(--nv-line);
  width: 100%;
  box-sizing: border-box;
  position: relative;
  z-index: 1;
}

.nv-home .nv-hero-card-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.1rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.nv-home .nv-hero-card-list li {
  display: flex;
  gap: 0.7rem;
  font-size: 0.9rem;
  color: var(--nv-ink-2);
  line-height: 1.4;
}

.nv-home .nv-hero-card-list i {
  color: var(--nv-gold-deep);
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 0.05rem;
}

.nv-home .nv-hero-card-list a {
  color: var(--nv-navy);
  font-weight: 600;
  text-decoration: none;
}

.nv-home .nv-hero-card-list a:hover {
  color: var(--nv-gold-deep);
}

.nv-home .nv-hero-card-cta {
  display: block;
  background: var(--nv-navy);
  color: #fff;
  text-align: center;
  padding: 0.75rem 1rem;
  border-radius: 999px;
  font-weight: 600;
  text-decoration: none;
  font-size: 0.9rem;
  transition: background 0.25s ease, transform 0.25s ease;
}

.nv-home .nv-hero-card-cta:hover {
  background: var(--nv-navy-2);
  color: #fff;
  transform: translateY(-1px);
}

/* Hero stats strip */
.nv-home .nv-hero-stats {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 3;
  background: linear-gradient(180deg, transparent, rgba(6, 22, 41, 0.6));
  padding: 0 1.25rem 0;
}

.nv-home .nv-hero-stats-row {
  background: rgba(255, 255, 255, 0.06);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(12px);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.nv-home .nv-hero-stat {
  padding: 1.4rem 1rem;
  text-align: center;
  color: #fff;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
}

.nv-home .nv-hero-stat:last-child {
  border-right: none;
}

.nv-home .nv-hero-stat-num {
  font-family: var(--nv-font-display);
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  font-weight: 600;
  line-height: 1;
  display: inline-block;
  color: var(--nv-brand-lime);
  background: linear-gradient(135deg, var(--nv-gold-soft) 0%, var(--nv-brand-lime) 52%, #cfe9a8 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.nv-home .nv-hero-stat .nv-num-suffix {
  font-family: var(--nv-font-display);
  font-size: clamp(1.1rem, 2vw, 1.5rem);
  display: inline-block;
  color: var(--nv-brand-lime);
  background: linear-gradient(135deg, var(--nv-gold-soft) 0%, var(--nv-brand-lime) 52%, #cfe9a8 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.nv-home .nv-hero-stat-label {
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  margin-top: 0.4rem;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
  display: block;
}

@media (max-width: 767px) {
  .nv-home .nv-hero-stats-row {
    grid-template-columns: repeat(2, 1fr);
  }
  .nv-home .nv-hero-stat {
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }
  .nv-home .nv-hero-stat:nth-child(2) {
    border-right: none;
  }
}

/* Scroll cue */
.nv-home .nv-scroll-cue {
  position: absolute;
  bottom: 30%;
  right: 1.5rem;
  z-index: 3;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.7rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  writing-mode: vertical-rl;
  transform: rotate(180deg);
  display: none;
}

@media (min-width: 1200px) {
  .nv-home .nv-scroll-cue {
    display: block;
  }
}

.nv-home .nv-scroll-cue::after {
  content: '';
  display: block;
  width: 1px;
  height: 50px;
  background: linear-gradient(180deg, transparent, var(--nv-gold-soft));
  margin: 1rem auto 0;
  animation: nv-pulse 2.4s ease-in-out infinite;
}

@keyframes nv-pulse {
  0%, 100% { opacity: 0.3; transform: scaleY(0.8); }
  50% { opacity: 1; transform: scaleY(1.2); }
}

/* —— Sections —— */
.nv-home .nv-section {
  padding: clamp(4rem, 8vw, 7rem) 0;
  position: relative;
}

.nv-home .nv-section--cream {
  background: var(--nv-cream);
}

.nv-home .nv-section--paper {
  background: var(--nv-paper);
}

.nv-home .nv-section--navy {
  background: var(--nv-navy-deep);
  color: #fff;
}

.nv-home .nv-head {
  margin-bottom: 3rem;
  max-width: 42rem;
}

.nv-home .nv-head--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.nv-home .nv-head--center .nv-eyebrow {
  justify-content: center;
}

.nv-home .nv-head > .nv-text {
  color: var(--nv-ink-2);
}

/* —— 2. WELCOME —— */
.nv-home .nv-welcome-imgwrap {
  position: relative;
  border-radius: var(--nv-radius-lg);
  overflow: hidden;
  box-shadow: var(--nv-shadow-strong);
  height: auto;
  background: var(--nv-navy);
}

.nv-home .nv-welcome-imgwrap img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: contain;
  transition: transform 0.8s ease;
}

.nv-home .nv-welcome-imgwrap:hover img {
  transform: scale(1.05);
}

.nv-home .nv-welcome-imgwrap::before {
  content: '';
  position: absolute;
  top: 1.25rem;
  left: 1.25rem;
  right: 1.25rem;
  bottom: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: calc(var(--nv-radius-lg) - 6px);
  z-index: 2;
  pointer-events: none;
}

.nv-home .nv-welcome-deco {
  position: absolute;
  top: -1.5rem;
  right: -1.5rem;
  width: 80%;
  height: 80%;
  background: linear-gradient(135deg, var(--nv-gold-soft), transparent);
  border-radius: var(--nv-radius-xl);
  z-index: -1;
  opacity: 0.5;
}

/* —— Welcome: brand lime (#a8d972) — scoped —— */
.nv-home #nv-welcome-section.nv-section--paper {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 90% 58% at 100% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-paper);
}

.nv-home #nv-welcome-section .nv-eyebrow::before {
  background: linear-gradient(90deg, var(--nv-gold) 0%, var(--nv-brand-lime) 100%);
  height: 2px;
}

.nv-home #nv-welcome-section .nv-h2 em {
  display: inline;
  background: var(--nv-h2-em-grad-on-grey);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-deep);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home #nv-welcome-section .nv-h2 em {
    color: transparent;
  }
}

.nv-home #nv-welcome-section .nv-welcome-imgwrap::before {
  box-shadow:
    inset 0 0 0 1px rgba(255, 255, 255, 0.22),
    0 0 0 1px var(--nv-brand-lime-soft);
}

.nv-home #nv-welcome-section .nv-welcome-imgwrap::after {
  background: linear-gradient(135deg, var(--nv-gold) 0%, var(--nv-brand-lime) 100%);
}

.nv-home #nv-welcome-section .nv-welcome-imgwrap:hover::after {
  opacity: 0.5;
}

.nv-home #nv-welcome-section .nv-btn-navy {
  outline: 2px solid transparent;
  outline-offset: 3px;
  transition:
    outline-color 0.22s ease,
    transform 0.22s ease,
    box-shadow 0.22s ease,
    background 0.22s ease,
    filter 0.22s ease;
}

.nv-home #nv-welcome-section .nv-btn-navy:hover {
  outline-color: var(--nv-brand-lime-mid);
}

.nv-home #nv-welcome-section .nv-welcome-reg {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin: 0 0 1.15rem;
  padding: 0.45rem 0.9rem;
  border-radius: 999px;
  background: var(--nv-brand-lime-soft);
  border: 1px solid rgba(168, 217, 114, 0.35);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--nv-navy);
  letter-spacing: 0.02em;
}

.nv-home #nv-welcome-section .nv-welcome-reg i {
  color: var(--nv-gold-deep);
  font-size: 0.9rem;
}

.nv-home #nv-welcome-section .nv-welcome-highlights {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.85rem;
  margin: 1.65rem 0 0;
  padding: 0;
  list-style: none;
}

.nv-home #nv-welcome-section .nv-welcome-highlight {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  padding: 0.95rem 0.85rem;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(15, 35, 64, 0.08);
  box-shadow: 0 8px 24px -16px rgba(15, 35, 64, 0.25);
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}

.nv-home #nv-welcome-section .nv-welcome-highlight:hover {
  border-color: rgba(201, 161, 74, 0.35);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px -14px rgba(15, 35, 64, 0.28);
}

.nv-home #nv-welcome-section .nv-welcome-highlight-icon {
  flex-shrink: 0;
  display: grid;
  place-items: center;
  width: 2.15rem;
  height: 2.15rem;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--nv-gold-soft), var(--nv-brand-lime-soft));
  color: var(--nv-navy);
  font-size: 1rem;
}

.nv-home #nv-welcome-section .nv-welcome-highlight-body {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  line-height: 1.25;
}

.nv-home #nv-welcome-section .nv-welcome-highlight-body strong {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--nv-navy);
}

.nv-home #nv-welcome-section .nv-welcome-highlight-body span {
  font-size: 0.74rem;
  color: var(--nv-muted);
}

@media (max-width: 991px) {
  .nv-home #nv-welcome-section .nv-welcome-highlights {
    grid-template-columns: 1fr;
  }
}

/* ============================================================
   HOME — brand lime (#a8d972) — all sections (beyond Welcome)
   ============================================================ */

/* A. Eyebrow bar: gold → lime */
.nv-home #nv-news .nv-marquee-head .nv-eyebrow::before,
.nv-home #nv-schemes .nv-eyebrow::before,
.nv-home #nv-loans .nv-eyebrow::before,
.nv-home #nv-steps .nv-eyebrow::before,
.nv-home #nv-calculators .nv-eyebrow::before,
.nv-home #nv-security .nv-eyebrow::before,
.nv-home #nv-numbers .nv-eyebrow--light::before,
.nv-home .nv-cta-content .nv-eyebrow--light::before {
  background: linear-gradient(90deg, var(--nv-gold) 0%, var(--nv-brand-lime) 100%);
  height: 2px;
}

/* B. Heading em — on light grey: richer mid-green; numbers strip stays full bright lime */
.nv-home #nv-news .nv-marquee-head h2 em,
.nv-home #nv-schemes .nv-h2 em,
.nv-home #nv-loans .nv-h2 em,
.nv-home #nv-steps .nv-h2 em,
.nv-home #nv-calculators .nv-h2 em,
.nv-home #nv-security .nv-h2 em {
  display: inline;
  font-style: italic;
  font-weight: 500;
  background: var(--nv-h2-em-grad-on-grey);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-deep);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home #nv-news .nv-marquee-head h2 em,
  .nv-home #nv-schemes .nv-h2 em,
  .nv-home #nv-loans .nv-h2 em,
  .nv-home #nv-steps .nv-h2 em,
  .nv-home #nv-calculators .nv-h2 em,
  .nv-home #nv-security .nv-h2 em {
    color: transparent;
  }
}

.nv-home #nv-numbers .nv-h2--light em {
  display: inline;
  font-style: italic;
  font-weight: 500;
  background: var(--nv-h2-em-grad-bright);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-deep);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home #nv-numbers .nv-h2--light em {
    color: transparent;
  }
}

/* Hero H1 emphasis — parity with section headings */
.nv-home .nv-hero-h1 em {
  display: inline;
  font-style: italic;
  font-weight: 500;
  background: linear-gradient(135deg, var(--nv-gold-deep) 0%, var(--nv-brand-lime) 45%, var(--nv-gold-soft) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-soft);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home .nv-hero-h1 em {
    color: transparent;
  }
}

/* C. Section shells — soft lime radial (alternate corners) */
.nv-home #nv-news.nv-section--marquee {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 88% 56% at 0% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-paper);
}

.nv-home #nv-schemes.nv-section--cream {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 90% 58% at 100% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-cream);
}

.nv-home #nv-loans.nv-section--paper {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 90% 58% at 0% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-paper);
}

.nv-home #nv-steps.nv-section--cream {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 90% 58% at 100% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-cream);
}

.nv-home #nv-calculators.nv-section--cream {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 90% 58% at 0% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-cream);
}

.nv-home #nv-security.nv-section--cream {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 90% 58% at 100% 0%, var(--nv-brand-lime-soft), transparent 52%),
    var(--nv-cream);
}

/* D. Component accents */
.nv-home #nv-news .nv-news-pill:hover {
  box-shadow: var(--nv-shadow), 0 0 28px -8px var(--nv-brand-lime-glow);
}

.nv-home #nv-loans .nv-loan-item:hover .nv-loan-icon {
  box-shadow:
    0 4px 12px -4px rgba(184, 138, 46, 0.35),
    0 0 22px -6px var(--nv-brand-lime-glow);
}

.nv-home #nv-steps .nv-step::before {
  background: linear-gradient(90deg, var(--nv-gold), var(--nv-brand-lime));
}

.nv-home #nv-security .nv-security-banner {
  border-left: 5px solid var(--nv-brand-lime);
  box-shadow: inset 4px 0 0 0 rgba(239, 192, 102, 0.35);
}

.nv-home #nv-security .nv-security-banner i {
  color: var(--nv-brand-lime);
}

.nv-home #nv-security .nv-tip i {
  color: var(--nv-brand-lime);
}

.nv-home #nv-numbers .nv-num {
  background: linear-gradient(135deg, #f4d18a 0%, var(--nv-brand-lime) 42%, #efc066 70%, #b88a2e 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-soft);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home #nv-numbers .nv-num {
    color: transparent;
  }
}

.nv-home #nv-numbers .nv-num-suffix {
  background: linear-gradient(135deg, #f4d18a 0%, var(--nv-brand-lime) 50%, #efc066 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-soft);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home #nv-numbers .nv-num-suffix {
    color: transparent;
  }
}

/* —— 3. SCHEME / Deposit grid —— */
.nv-home .nv-scheme-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

@media (max-width: 991px) {
  .nv-home .nv-scheme-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 575px) {
  .nv-home .nv-scheme-grid {
    grid-template-columns: 1fr;
  }
}

.nv-home .nv-scheme-card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--nv-paper);
  border-radius: var(--nv-radius-lg);
  overflow: hidden;
  text-decoration: none;
  color: var(--nv-ink);
  box-shadow: var(--nv-shadow-sm);
  border: 1px solid var(--nv-line);
  transition: transform 0.4s cubic-bezier(0.2, 0.7, 0.2, 1), box-shadow 0.4s ease, border-color 0.3s ease;
}

.nv-home .nv-scheme-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--nv-shadow-strong), 0 0 32px -10px var(--nv-brand-lime-glow);
  border-color: var(--nv-gold-soft);
  color: var(--nv-ink);
}

.nv-home .nv-scheme-img {
  position: relative;
  aspect-ratio: 16/10;
  background-size: cover;
  background-position: center;
  background-color: var(--nv-cream-2);
  overflow: hidden;
}

.nv-home .nv-scheme-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 60%, rgba(10, 37, 64, 0.45));
  transition: opacity 0.4s ease;
}

.nv-home .nv-scheme-card:hover .nv-scheme-img {
  background-size: 110%;
}

.nv-home .nv-scheme-tag {
  position: absolute;
  top: 1.1rem;
  left: 1.1rem;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.35rem 0.75rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.95);
  color: var(--nv-navy);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nv-home .nv-scheme-tag--gold {
  background: var(--nv-gold);
  color: #fff;
}

.nv-home .nv-scheme-body {
  padding: 1.5rem 1.5rem 1.65rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.nv-home .nv-scheme-card h3 {
  font-family: var(--nv-font-display);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--nv-navy);
  margin: 0 0 0.6rem;
  line-height: 1.2;
}

.nv-home .nv-scheme-card p {
  margin: 0 0 1.25rem;
  font-size: 0.93rem;
  line-height: 1.6;
  color: var(--nv-muted);
  flex: 1;
}

.nv-home .nv-scheme-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--nv-gold-deep);
  transition: gap 0.25s ease;
}

.nv-home .nv-scheme-card:hover .nv-scheme-arrow {
  gap: 0.7rem;
}

/* —— 4. NUMBERS / Counter section —— */
.nv-home .nv-numbers {
  background: var(--nv-navy-deep);
  color: #fff;
  padding: clamp(4rem, 8vw, 6rem) 0;
  position: relative;
  overflow: hidden;
}

.nv-home .nv-numbers::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 35% 42% at 78% 28%, rgba(168, 217, 114, 0.14), transparent 55%),
    radial-gradient(ellipse 50% 60% at 10% 20%, rgba(19, 59, 102, 0.5), transparent 60%),
    radial-gradient(ellipse 40% 50% at 90% 80%, rgba(201, 161, 74, 0.18), transparent 60%);
}

.nv-home .nv-numbers > .container {
  position: relative;
  z-index: 1;
}

.nv-home .nv-num-card {
  padding: 2rem 1.5rem;
  border-radius: var(--nv-radius-lg);
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.1);
  text-align: left;
  transition: transform 0.4s ease, background 0.4s ease, border-color 0.4s ease;
}

.nv-home .nv-num-card:hover {
  transform: translateY(-4px);
  background: rgba(255, 255, 255, 0.07);
  border-color: rgba(201, 161, 74, 0.4);
}

.nv-home .nv-num {
  font-family: var(--nv-font-display);
  font-size: clamp(2.4rem, 4.5vw, 3.4rem);
  font-weight: 600;
  color: var(--nv-gold-soft);
  line-height: 1;
  display: inline-block;
}

.nv-home .nv-num-suffix {
  font-family: var(--nv-font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--nv-gold-soft);
  margin-left: 0.15rem;
}

.nv-home .nv-num-card p {
  margin: 0.85rem 0 0;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.45;
}

/* —— 5. LOAN bento —— */
.nv-home .nv-loan-bento {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: stretch;
}

@media (max-width: 991px) {
  .nv-home .nv-loan-bento {
    grid-template-columns: 1fr;
  }
}

.nv-home .nv-loan-visual {
  display: flex;
  min-height: 0;
}

.nv-home #nv-loans .nv-loan-visual-imgwrap {
  flex: 1;
  width: 100%;
  aspect-ratio: auto;
  height: 100%;
  border-radius: var(--nv-radius-lg);
  box-shadow: var(--nv-shadow-strong);
}

.nv-home #nv-loans .nv-loan-visual-imgwrap::after {
  display: none;
}

.nv-home #nv-loans .nv-loan-visual-imgwrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.nv-home #nv-loans .nv-loan-visual-imgwrap:hover {
  transform: none;
}

@media (max-width: 991px) {
  .nv-home #nv-loans .nv-loan-visual-imgwrap {
    aspect-ratio: auto;
    height: auto;
  }

  .nv-home #nv-loans .nv-loan-visual-imgwrap img {
    height: auto;
    object-fit: contain;
    object-position: center;
  }
}

.nv-home .nv-loan-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.85rem;
}

.nv-home .nv-loan-item {
  position: relative;
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.1rem 1.2rem;
  background: var(--nv-paper);
  border: 1px solid var(--nv-line);
  border-radius: 14px;
  text-decoration: none;
  color: var(--nv-ink);
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.nv-home .nv-loan-item:hover {
  transform: translateX(4px);
  border-color: var(--nv-gold);
  color: var(--nv-ink);
  box-shadow: var(--nv-shadow-sm);
}

.nv-home .nv-loan-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--nv-gold);
  color: var(--nv-ink);
  font-size: 1.25rem;
  flex-shrink: 0;
  box-shadow: 0 4px 12px -4px rgba(184, 138, 46, 0.4);
  transition: background 0.3s ease, color 0.3s ease, box-shadow 0.3s ease;
}

.nv-home .nv-loan-item:hover .nv-loan-icon {
  background: var(--nv-navy);
  color: var(--nv-gold-soft);
}

.nv-home .nv-loan-body {
  flex: 1;
  min-width: 0;
}

.nv-home .nv-loan-body h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--nv-navy);
  margin: 0;
  line-height: 1.2;
}

.nv-home .nv-loan-body p {
  margin: 0.2rem 0 0;
  font-size: 0.78rem;
  color: var(--nv-muted);
  line-height: 1.4;
  overflow: hidden;
  display: -webkit-box;
  -webkit-line-clamp: 1;
  -webkit-box-orient: vertical;
}

.nv-home .nv-loan-item-arrow {
  color: var(--nv-muted);
  transition: transform 0.3s ease, color 0.3s ease;
  flex-shrink: 0;
}

.nv-home .nv-loan-item:hover .nv-loan-item-arrow {
  color: var(--nv-gold-deep);
  transform: translateX(4px);
}

/* —— 6. STEPS —— */
.nv-home .nv-step {
  position: relative;
  padding: 2.25rem 1.75rem 1.85rem;
  background: var(--nv-paper);
  border-radius: var(--nv-radius-lg);
  border: 1px solid var(--nv-line);
  height: 100%;
  transition: transform 0.4s ease, box-shadow 0.4s ease;
}

.nv-home .nv-step:hover {
  transform: translateY(-6px);
  box-shadow: var(--nv-shadow);
}

.nv-home .nv-step-num {
  font-family: var(--nv-font-display);
  font-style: italic;
  font-size: 3.25rem;
  font-weight: 600;
  color: var(--nv-gold);
  opacity: 0.7;
  line-height: 1;
  display: block;
  margin-bottom: 1rem;
}

.nv-home .nv-step h3 {
  font-family: var(--nv-font-display);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--nv-navy);
  margin: 0 0 0.5rem;
}

.nv-home .nv-step p {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.6;
  color: var(--nv-muted);
}

/* —— 8. SECURITY tips —— */
.nv-home .nv-security-banner {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.5rem 1.75rem;
  background: linear-gradient(120deg, #f4d18a 0%, #faecc7 100%);
  border: 1px solid #efc066;
  border-left: 5px solid var(--nv-warn);
  border-radius: var(--nv-radius);
  margin-bottom: 2rem;
}

.nv-home .nv-security-banner i {
  font-size: 1.65rem;
  color: var(--nv-warn);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

.nv-home .nv-security-banner strong {
  display: block;
  font-size: 1.05rem;
  color: #5a4a14;
  margin-bottom: 0.3rem;
}

.nv-home .nv-security-banner p {
  margin: 0;
  font-size: 0.9rem;
  color: #6b5818;
  line-height: 1.55;
}

.nv-home .nv-tip {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
  padding: 1.15rem 1.35rem;
  background: var(--nv-paper);
  border: 1px solid var(--nv-line);
  border-radius: var(--nv-radius);
  height: 100%;
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.nv-home .nv-tip:hover {
  transform: translateY(-3px);
  border-color: var(--nv-gold-soft);
  box-shadow: var(--nv-shadow-sm);
}

.nv-home .nv-tip i {
  font-size: 1.25rem;
  color: var(--nv-success);
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.nv-home .nv-tip p {
  margin: 0;
  font-size: 0.92rem;
  color: var(--nv-ink-2);
  line-height: 1.55;
}

/* —— 9. NEWS / Blog —— */
.nv-home .nv-news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

@media (max-width: 991px) {
  .nv-home .nv-news-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 575px) {
  .nv-home .nv-news-grid {
    grid-template-columns: 1fr;
  }
}

.nv-home .nv-news-card {
  display: flex;
  flex-direction: column;
  background: var(--nv-paper);
  border-radius: var(--nv-radius-lg);
  overflow: hidden;
  text-decoration: none;
  color: var(--nv-ink);
  border: 1px solid var(--nv-line);
  transition: transform 0.4s ease, box-shadow 0.4s ease;
  height: 100%;
}

.nv-home .nv-news-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--nv-shadow);
  color: var(--nv-ink);
}

.nv-home .nv-news-img {
  aspect-ratio: 16/10;
  overflow: hidden;
  position: relative;
  background: var(--nv-cream-2);
}

.nv-home .nv-news-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.nv-home .nv-news-card:hover .nv-news-img img {
  transform: scale(1.05);
}

.nv-home .nv-news-ph {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  color: var(--nv-muted);
}

.nv-home .nv-news-body {
  padding: 1.4rem 1.5rem 1.6rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.nv-home .nv-news-cat {
  display: inline-flex;
  align-items: center;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--nv-gold-deep);
  margin-bottom: 0.5rem;
}

.nv-home .nv-news-card h3 {
  font-family: var(--nv-font-display);
  font-size: 1.2rem;
  font-weight: 600;
  margin: 0 0 0.65rem;
  line-height: 1.3;
  color: var(--nv-navy);
}

.nv-home .nv-news-card p {
  margin: 0 0 1rem;
  font-size: 0.88rem;
  line-height: 1.55;
  color: var(--nv-muted);
  flex: 1;
}

.nv-home .nv-news-time {
  font-size: 0.78rem;
  color: var(--nv-muted);
  margin-top: auto;
}

/* —— 10. GALLERY —— */
.nv-home .nv-gallery-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

@media (max-width: 991px) {
  .nv-home .nv-gallery-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.nv-home .nv-gallery-tile {
  position: relative;
  display: block;
  border-radius: var(--nv-radius);
  overflow: hidden;
  text-decoration: none;
  aspect-ratio: 4/5;
  background: var(--nv-navy);
}

.nv-home .nv-gallery-img {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-color: var(--nv-cream-2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  color: rgba(255, 255, 255, 0.5);
  transition: transform 0.6s ease;
}

.nv-home .nv-gallery-tile:hover .nv-gallery-img {
  transform: scale(1.08);
}

.nv-home .nv-gallery-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(6, 22, 41, 0.85));
}

.nv-home .nv-gallery-cap {
  position: absolute;
  bottom: 1rem;
  left: 1rem;
  right: 1rem;
  z-index: 2;
  color: #fff;
  font-family: var(--nv-font-display);
  font-size: 1.05rem;
  font-weight: 600;
  line-height: 1.2;
}

/* —— 11. CTA banner —— */
.nv-home .nv-cta-banner {
  position: relative;
  padding: clamp(4rem, 8vw, 7rem) 0;
  overflow: hidden;
  color: #fff;
  background: var(--nv-navy-deep);
}

.nv-home .nv-cta-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 1;
}

.nv-home .nv-cta-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    120deg,
    rgba(6, 22, 41, 0.62) 0%,
    rgba(10, 37, 64, 0.48) 55%,
    rgba(6, 22, 41, 0.55) 100%
  );
}

.nv-home .nv-cta-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 44rem;
  margin: 0 auto;
  padding: 0 1rem;
}

.nv-home .nv-cta-content::before {
  content: '';
  position: absolute;
  inset: -1.25rem -1.75rem;
  z-index: -1;
  background: radial-gradient(
    ellipse 92% 88% at 50% 50%,
    rgba(6, 22, 41, 0.58) 0%,
    rgba(6, 22, 41, 0.32) 48%,
    transparent 72%
  );
  pointer-events: none;
}

.nv-home .nv-cta-content .nv-h2 {
  color: #fff;
}

.nv-home .nv-cta-content .nv-h2 em {
  display: inline;
  font-style: italic;
  font-weight: 500;
  background: linear-gradient(135deg, var(--nv-gold-deep) 0%, var(--nv-brand-lime) 45%, var(--nv-gold-soft) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--nv-gold-soft);
}

@supports (-webkit-background-clip: text) or (background-clip: text) {
  .nv-home .nv-cta-content .nv-h2 em {
    color: transparent;
  }
}

.nv-home .nv-cta-content p {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
  margin: 0 0 2rem;
}

.nv-home .nv-cta-actions {
  display: flex;
  gap: 0.85rem;
  justify-content: center;
  flex-wrap: wrap;
}

.nv-home .nv-empty {
  padding: 2.5rem;
  text-align: center;
  color: var(--nv-muted);
  background: var(--nv-paper);
  border: 1px dashed var(--nv-line);
  border-radius: var(--nv-radius);
}

/* —— Hero responsive —— */
@media (max-width: 991px) {
  .nv-home .nv-hero:not(.nv-hero--images-only) {
    min-height: auto;
    padding-bottom: 0;
    justify-content: flex-start;
  }
  .nv-home .nv-hero-content {
    padding-bottom: 1.5rem;
  }
  .nv-home .nv-hero-card {
    margin-top: 2rem;
  }
  /* Stats strip was position:absolute at bottom — overlapped the stacked contact card on mobile */
  .nv-home .nv-hero-stats {
    position: static;
    margin-top: 0.5rem;
    padding: 0 1rem 1.75rem;
    background: linear-gradient(180deg, rgba(6, 22, 41, 0.15) 0%, rgba(6, 22, 41, 0.55) 100%);
  }
}

@media (max-width: 575px) {
  .nv-home .nv-hero-content {
    padding: 3.5rem 1rem 1.25rem;
  }
  .nv-home .nv-hero-cta {
    flex-direction: column;
    align-items: stretch;
  }
  .nv-home .nv-btn {
    width: 100%;
  }
  .nv-home .nv-cta-actions .nv-btn {
    width: auto;
  }
}

/* —— Dark theme tweaks —— */
[data-theme='dark'] body.nv-home-skin {
  --nv-cream: #0d1825;
  --nv-cream-2: #142332;
  --nv-paper: #182838;
  --nv-ink: #e2e8f0;
  --nv-ink-2: #cbd5e1;
  --nv-muted: #94a3b8;
  --nv-line: rgba(148, 163, 184, 0.18);
  --nv-line-2: rgba(148, 163, 184, 0.12);
  background: var(--nv-cream);
}

[data-theme='dark'] .nv-home .nv-h1,
[data-theme='dark'] .nv-home .nv-h2,
[data-theme='dark'] .nv-home .nv-scheme-card h3,
[data-theme='dark'] .nv-home .nv-step h3,
[data-theme='dark'] .nv-home .nv-news-card h3,
[data-theme='dark'] .nv-home .nv-loan-body h4,
[data-theme='dark'] .nv-home .nv-hero-card-title {
  color: #f1f5f9;
}

[data-theme='dark'] .nv-home .nv-hero-card {
  background: rgba(24, 40, 56, 0.97);
  color: var(--nv-ink);
}

[data-theme='dark'] .nv-home .nv-hero-card::before {
  filter: brightness(1.1) saturate(1.05);
}

[data-theme='dark'] .nv-home .nv-section--cream {
  background: var(--nv-cream);
}

[data-theme='dark'] .nv-home #nv-welcome-section.nv-section--paper {
  background:
    radial-gradient(ellipse 90% 58% at 100% 0%, rgba(168, 217, 114, 0.12), transparent 52%),
    var(--nv-paper);
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-imgwrap::before {
  box-shadow:
    inset 0 0 0 1px rgba(255, 255, 255, 0.12),
    0 0 0 1px rgba(168, 217, 114, 0.15);
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-imgwrap::after {
  opacity: 0.28;
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-imgwrap:hover::after {
  opacity: 0.42;
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-btn-navy:hover {
  outline-color: rgba(168, 217, 114, 0.35);
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-reg {
  background: rgba(168, 217, 114, 0.12);
  border-color: rgba(168, 217, 114, 0.22);
  color: var(--nv-ink);
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-highlight {
  background: rgba(255, 255, 255, 0.04);
  border-color: rgba(255, 255, 255, 0.1);
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-highlight:hover {
  border-color: rgba(201, 161, 74, 0.3);
}

[data-theme='dark'] .nv-home #nv-welcome-section .nv-welcome-highlight-body strong {
  color: var(--nv-ink);
}

/* Dark — brand lime on all home sections (beyond Welcome) */
[data-theme='dark'] .nv-home #nv-news.nv-section--marquee {
  background:
    radial-gradient(ellipse 88% 56% at 0% 0%, rgba(168, 217, 114, 0.1), transparent 52%),
    var(--nv-paper);
}

[data-theme='dark'] .nv-home #nv-loans.nv-section--paper {
  background:
    radial-gradient(ellipse 90% 58% at 0% 0%, rgba(168, 217, 114, 0.1), transparent 52%),
    var(--nv-paper);
}

[data-theme='dark'] .nv-home #nv-schemes.nv-section--cream,
[data-theme='dark'] .nv-home #nv-calculators.nv-section--cream,
[data-theme='dark'] .nv-home #nv-steps.nv-section--cream,
[data-theme='dark'] .nv-home #nv-security.nv-section--cream {
  background:
    radial-gradient(ellipse 90% 58% at 100% 0%, rgba(168, 217, 114, 0.1), transparent 52%),
    var(--nv-cream);
}

[data-theme='dark'] .nv-home #nv-schemes .nv-scheme-img-wrap::before,
[data-theme='dark'] .nv-home #nv-calculators .nv-scheme-img-wrap::before {
  background: rgba(13, 24, 37, 0.55);
  background: color-mix(in srgb, var(--nv-navy-deep) 58%, transparent);
}

[data-theme='dark'] .nv-home #nv-news .nv-news-pill:hover {
  box-shadow: var(--nv-shadow), 0 0 24px -10px rgba(168, 217, 114, 0.22);
}

[data-theme='dark'] .nv-home .nv-scheme-card:hover {
  box-shadow: var(--nv-shadow-strong), 0 0 28px -12px rgba(168, 217, 114, 0.2);
}

[data-theme='dark'] .nv-home .nv-cta-overlay {
  background: linear-gradient(
    120deg,
    rgba(6, 22, 41, 0.68) 0%,
    rgba(10, 37, 64, 0.52) 55%,
    rgba(6, 22, 41, 0.6) 100%
  );
}

[data-theme='dark'] .nv-home .nv-cta-content::before {
  background: radial-gradient(
    ellipse 92% 88% at 50% 50%,
    rgba(6, 22, 41, 0.68) 0%,
    rgba(6, 22, 41, 0.38) 48%,
    transparent 72%
  );
}

[data-theme='dark'] .nv-home .nv-numbers::before {
  background:
    radial-gradient(ellipse 35% 42% at 78% 28%, rgba(168, 217, 114, 0.08), transparent 55%),
    radial-gradient(ellipse 50% 60% at 10% 20%, rgba(19, 59, 102, 0.45), transparent 60%),
    radial-gradient(ellipse 40% 50% at 90% 80%, rgba(201, 161, 74, 0.14), transparent 60%);
}

[data-theme='dark'] .nv-home #nv-security .nv-security-banner i,
[data-theme='dark'] .nv-home #nv-security .nv-tip i {
  color: rgba(168, 217, 114, 0.92);
}

[data-theme='dark'] .nv-home .nv-security-banner {
  background: linear-gradient(120deg, rgba(120, 53, 15, 0.35), rgba(120, 53, 15, 0.15));
  border-color: rgba(251, 191, 36, 0.25);
  color: #fde68a;
}

[data-theme='dark'] .nv-home .nv-security-banner strong,
[data-theme='dark'] .nv-home .nv-security-banner p {
  color: #fef3c7;
}

/* ============================================================
   ENHANCEMENTS — marquee, smoother hovers, motion polish
   ============================================================ */

/* —— News marquee (compact, auto-scrolling) —— */
.nv-home .nv-section--marquee {
  padding: clamp(2.5rem, 5vw, 4rem) 0;
  background: var(--nv-paper);
  border-top: 1px solid var(--nv-line);
  border-bottom: 1px solid var(--nv-line);
  position: relative;
  overflow: hidden;
}

.nv-home .nv-marquee-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.75rem;
}

.nv-home .nv-marquee-head .nv-eyebrow {
  margin: 0 0 0.5rem;
}

.nv-home .nv-marquee-head h2 {
  font-family: var(--nv-font-display);
  font-size: clamp(1.4rem, 2.2vw, 1.85rem);
  font-weight: 600;
  color: var(--nv-navy);
  margin: 0;
  letter-spacing: -0.01em;
}

.nv-home .nv-marquee-viewport {
  position: relative;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 4%, #000 96%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 4%, #000 96%, transparent);
}

.nv-home .nv-marquee-track {
  display: flex;
  gap: 1.1rem;
  width: max-content;
  animation: nv-marquee 50s linear infinite;
  will-change: transform;
}

.nv-home .nv-marquee-viewport:hover .nv-marquee-track,
.nv-home .nv-marquee-viewport:focus-within .nv-marquee-track {
  animation-play-state: paused;
}

@keyframes nv-marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.nv-home .nv-news-pill {
  flex: 0 0 360px;
  display: flex;
  gap: 0.95rem;
  padding: 0.85rem 1rem 0.85rem 0.85rem;
  background: var(--nv-paper);
  border: 1px solid var(--nv-line);
  border-radius: 16px;
  text-decoration: none;
  color: var(--nv-ink);
  transition: transform 0.4s cubic-bezier(0.2, 0.7, 0.2, 1), box-shadow 0.4s ease, border-color 0.3s ease;
}

.nv-home .nv-news-pill:hover {
  transform: translateY(-4px);
  box-shadow: var(--nv-shadow);
  border-color: var(--nv-gold-soft);
  color: var(--nv-ink);
}

.nv-home .nv-news-pill-img {
  width: 92px;
  height: 92px;
  border-radius: 12px;
  background-size: cover;
  background-position: center;
  background-color: var(--nv-cream-2);
  flex-shrink: 0;
  position: relative;
  overflow: hidden;
}

.nv-home .nv-news-pill-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent 60%, rgba(10, 37, 64, 0.25));
}

.nv-home .nv-news-pill-ph {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--nv-muted);
}

.nv-home .nv-news-pill-body {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.nv-home .nv-news-pill-cat {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--nv-gold-deep);
  margin-bottom: 0.3rem;
}

.nv-home .nv-news-pill-title {
  font-family: var(--nv-font-display);
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.3;
  color: var(--nv-navy);
  margin: 0 0 0.35rem;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.nv-home .nv-news-pill-time {
  font-size: 0.72rem;
  color: var(--nv-muted);
}

[data-theme='dark'] .nv-home .nv-news-pill-title {
  color: #f1f5f9;
}

[data-theme='dark'] .nv-home .nv-marquee-head h2 {
  color: #f1f5f9;
}

[data-theme='dark'] .nv-home .nv-section--marquee {
  background: var(--nv-paper);
}

/* —— Smoother scheme card hover (overlay arrow reveal) —— */
.nv-home .nv-scheme-card {
  transition: transform 0.5s cubic-bezier(0.2, 0.7, 0.2, 1),
              box-shadow 0.5s cubic-bezier(0.2, 0.7, 0.2, 1),
              border-color 0.4s ease;
}

.nv-home .nv-scheme-img {
  transition: transform 0.7s cubic-bezier(0.2, 0.7, 0.2, 1);
  background-size: cover;
}

.nv-home .nv-scheme-card:hover .nv-scheme-img {
  background-size: cover;
  transform: scale(1.06);
}

.nv-home .nv-scheme-img-wrap {
  position: relative;
  aspect-ratio: 16/10;
  overflow: hidden;
  background-color: var(--nv-cream-2);
}

.nv-home .nv-scheme-img-wrap .nv-scheme-img {
  position: absolute;
  inset: 0;
  aspect-ratio: auto;
}

.nv-home .nv-scheme-img-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(10, 37, 64, 0.55));
  z-index: 1;
  pointer-events: none;
}

/* Deposit schemes — navy wash over photo (under bottom gradient + badge / Open scheme) */
.nv-home #nv-schemes .nv-scheme-img-wrap .nv-scheme-img {
  z-index: 0;
  background-position: right center;
  transform-origin: right center;
}

.nv-home #nv-schemes .nv-scheme-img-wrap::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background: rgba(26, 35, 50, 0.48);
  background: color-mix(in srgb, var(--nv-navy) 52%, transparent);
}

/* Plan ahead calculators — same navy wash over photo */
.nv-home #nv-calculators .nv-scheme-img-wrap .nv-scheme-img {
  z-index: 0;
  background-position: right center;
  transform-origin: right center;
}

.nv-home #nv-calculators .nv-scheme-img-wrap::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background: rgba(26, 35, 50, 0.48);
  background: color-mix(in srgb, var(--nv-navy) 52%, transparent);
}

.nv-home .nv-scheme-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2;
  padding: 0.85rem 1.1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: #fff;
  font-size: 0.85rem;
  font-weight: 600;
  transform: translateY(100%);
  transition: transform 0.45s cubic-bezier(0.2, 0.7, 0.2, 1);
  background: linear-gradient(180deg, transparent, rgba(6, 22, 41, 0.85));
}

.nv-home .nv-scheme-card:hover .nv-scheme-overlay {
  transform: translateY(0);
}

.nv-home .nv-scheme-overlay i {
  display: inline-flex;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  background: var(--nv-gold);
  color: #fff;
  font-size: 0.95rem;
  transition: transform 0.3s ease;
}

.nv-home .nv-scheme-card:hover .nv-scheme-overlay i {
  transform: rotate(-45deg);
}

/* —— Gold shimmer on tags —— */
.nv-home .nv-scheme-tag,
.nv-home .nv-news-pill-cat {
  position: relative;
  overflow: hidden;
}

.nv-home .nv-scheme-tag::after {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 50%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.6), transparent);
  transition: left 0.7s ease;
}

.nv-home .nv-scheme-card:hover .nv-scheme-tag::after {
  left: 150%;
}

/* —— Hero card subtle floating —— */
.nv-home .nv-hero-card {
  animation: nv-float 7s ease-in-out infinite;
}

@keyframes nv-float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* —— Hero CTA gold glow on hover —— */
.nv-home .nv-btn-gold {
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

.nv-home .nv-btn-gold::before {
  content: '';
  position: absolute;
  top: 0;
  left: -150%;
  width: 60%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.35), transparent);
  transition: left 0.7s ease;
  z-index: -1;
}

.nv-home .nv-btn-gold:hover::before {
  left: 150%;
}

.nv-home .nv-hero .nv-btn-gold {
  box-shadow:
    0 8px 20px -8px rgba(140, 108, 31, 0.6),
    0 0 32px -8px var(--nv-brand-lime-glow);
}

.nv-home .nv-hero .nv-btn-gold:hover {
  box-shadow:
    0 14px 28px -10px rgba(140, 108, 31, 0.7),
    0 0 40px -6px rgba(168, 217, 114, 0.42);
}

/* —— Welcome image — gentle parallax + frame on hover —— */
.nv-home .nv-welcome-imgwrap {
  transition: transform 0.7s cubic-bezier(0.2, 0.7, 0.2, 1);
}

.nv-home .nv-welcome-imgwrap:hover {
  transform: translateY(-6px);
}

.nv-home .nv-welcome-imgwrap::after {
  content: '';
  position: absolute;
  width: 72%;
  height: 72%;
  background: linear-gradient(135deg, var(--nv-gold) 0%, var(--nv-gold-soft) 100%);
  border-radius: var(--nv-radius-lg);
  z-index: -1;
  bottom: -1.25rem;
  right: -1.25rem;
  opacity: 0.35;
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.nv-home .nv-welcome-imgwrap:hover::after {
  opacity: 0.55;
  transform: translate(4px, 4px);
}

/* —— Numbers section: glow on counter cards —— */
.nv-home .nv-num-card {
  position: relative;
  overflow: hidden;
}

.nv-home #nv-numbers .nv-num-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(
    circle at var(--mx, 50%) var(--my, 50%),
    rgba(201, 161, 74, 0.16) 0%,
    rgba(168, 217, 114, 0.12) 35%,
    transparent 60%
  );
  opacity: 0;
  transition: opacity 0.4s ease;
  pointer-events: none;
}

.nv-home .nv-num-card:hover::before {
  opacity: 1;
}

.nv-home .nv-num {
  background: linear-gradient(135deg, #f4d18a 0%, #efc066 60%, #b88a2e 100%);
  -webkit-background-clip: text;
          background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* —— Loan items: gold underline animation —— */
.nv-home .nv-loan-item {
  position: relative;
}

.nv-home .nv-loan-item::after {
  content: '';
  position: absolute;
  left: 1.2rem;
  right: 1.2rem;
  bottom: 0.55rem;
  height: 1.5px;
  background: var(--nv-gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s cubic-bezier(0.2, 0.7, 0.2, 1);
}

.nv-home .nv-loan-item:hover::after {
  transform: scaleX(0.3);
}

/* —— Step cards: hover lift gradient border —— */
.nv-home .nv-step {
  position: relative;
  overflow: hidden;
}

.nv-home .nv-step::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--nv-gold), var(--nv-gold-deep));
  transition: width 0.5s cubic-bezier(0.2, 0.7, 0.2, 1);
}

.nv-home .nv-step:hover::before {
  width: 100%;
}

.nv-home .nv-step:hover .nv-step-num {
  opacity: 1;
  transform: translateX(4px);
}

.nv-home .nv-step-num {
  transition: opacity 0.4s ease, transform 0.4s ease;
}

/* —— Tip cards: gold corner accent on hover —— */
.nv-home .nv-tip {
  position: relative;
  overflow: hidden;
}

.nv-home .nv-tip::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 0;
  height: 0;
  border-style: solid;
  border-width: 0 24px 24px 0;
  border-color: transparent var(--nv-gold) transparent transparent;
  opacity: 0;
  transition: opacity 0.4s ease;
}

.nv-home .nv-tip:hover::before {
  opacity: 1;
}

/* —— Section header underline animation on reveal —— */
.nv-home .nv-eyebrow::before {
  transition: width 0.6s cubic-bezier(0.2, 0.7, 0.2, 1) 0.2s;
}

.nv-home [data-reveal] .nv-eyebrow::before,
.nv-home .nv-eyebrow[data-reveal]::before {
  width: 0;
}

.nv-home [data-reveal].is-visible .nv-eyebrow::before,
.nv-home .nv-eyebrow[data-reveal].is-visible::before {
  width: 28px;
}

/* —— Trust pills: pulse glow —— */
.nv-home .nv-trust-pill {
  transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s ease;
}

.nv-home .nv-trust-pill:hover {
  background: var(--nv-brand-lime-soft);
  border-color: var(--nv-brand-lime-mid);
  transform: translateY(-2px);
}

/* —— CTA banner: gold shimmer line —— */
.nv-home .nv-cta-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--nv-gold), transparent);
  z-index: 3;
}

.nv-home .nv-cta-banner::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--nv-gold), transparent);
  z-index: 3;
}

/* —— Marquee responsive widths —— */
@media (max-width: 575px) {
  .nv-home .nv-news-pill {
    flex: 0 0 290px;
  }
  .nv-home .nv-news-pill-img {
    width: 78px;
    height: 78px;
  }
}