* {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    body {
      font-family: 'Inter', sans-serif;
      background-color: #ffffff;
      color: #1e2a3e;
      line-height: 1.5;
      scroll-behavior: smooth;
    }

    h1, h2, h3, h4, .logo, .nav-links a, .cta-btn {
      font-family: 'Poppins', sans-serif;
    }

    :root {
      --navy: #0a2540;
      --deep-blue: #0f3b5c;
      --gold: #d4af37;
      --teal: #2c7a6e;
      --light-grey: #f8fafc;
      --grey-border: #e2e8f0;
      --shadow-sm: 0 10px 25px -5px rgba(0, 0, 0, 0.05), 0 8px 10px -6px rgba(0, 0, 0, 0.02);
      --shadow-md: 0 20px 25px -5px rgba(0, 0, 0, 0.05), 0 10px 10px -5px rgba(0, 0, 0, 0.01);
    }

    /* Sticky navigation */
    header {
      background: white;
      box-shadow: 0 4px 20px rgba(0,0,0,0.03);
      position: sticky;
      top: 0;
      z-index: 1000;
      backdrop-filter: blur(2px);
      background: rgba(255,255,255,0.96);
    }

    .container {
      max-width: 1280px;
      margin: 0 auto;
      padding: 0 32px;
    }

    .navbar {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 1rem 0;
      flex-wrap: wrap;
    }

    .logo h2 {
      font-size: 1.8rem;
      font-weight: 700;
      color: var(--navy);
      letter-spacing: -0.5px;
    }
    .logo span {
      color: var(--gold);
    }

    .nav-links {
      display: flex;
      gap: 2rem;
      align-items: center;
      list-style: none;
      flex-wrap: wrap;
    }

    .nav-links a {
      text-decoration: none;
      font-weight: 500;
      color: #1e293b;
      transition: 0.2s;
    }
    .nav-links a:hover {
      color: var(--gold);
    }

    .nav-cta {
      background: var(--deep-blue);
      color: white !important;
      padding: 0.6rem 1.4rem;
      border-radius: 40px;
      font-weight: 600;
    }
    .nav-cta:hover {
      background: #0a2c44;
      color: white;
    }

    /* buttons */
    .btn-primary {
      background: var(--deep-blue);
      color: white;
      border: none;
      padding: 12px 28px;
      border-radius: 40px;
      font-weight: 600;
      cursor: pointer;
      transition: 0.2s;
      display: inline-block;
      font-family: 'Poppins', sans-serif;
    }
    .btn-primary:hover {
      background: #083249;
      transform: translateY(-2px);
    }
    .btn-outline {
      background: transparent;
      border: 1.5px solid var(--deep-blue);
      color: var(--deep-blue);
      padding: 10px 26px;
      border-radius: 40px;
      font-weight: 600;
      cursor: pointer;
      transition: 0.2s;
    }
    .btn-outline:hover {
      background: var(--deep-blue);
      color: white;
    }

    /* Hero */
    .hero {
      padding: 60px 0 80px;
      background: linear-gradient(135deg, #f1f9ff 0%, #ffffff 100%);
    }
    .hero-grid {
      display: flex;
      align-items: center;
      gap: 48px;
      flex-wrap: wrap;
    }
    .hero-content {
      flex: 1;
    }
    .hero-badge {
      background: #e9f0f5;
      display: inline-block;
      padding: 6px 14px;
      border-radius: 30px;
      font-size: 0.85rem;
      color: var(--deep-blue);
      margin-bottom: 20px;
    }
    .hero-content h1 {
      font-size: 3.2rem;
      line-height: 1.2;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 20px;
    }
    .hero-content p {
      font-size: 1.1rem;
      color: #334155;
      margin-bottom: 28px;
    }
    .trust-badge {
      display: flex;
      gap: 20px;
      margin-top: 30px;
    }
    .trust-badge span i {
      color: var(--gold);
      margin-right: 6px;
    }
    .hero-image {
      flex: 1;
      text-align: center;
      background: #eef3fc;
      border-radius: 36px;
      padding: 20px;
    }
    .hero-image i {
      font-size: 8rem;
      color: var(--deep-blue);
      opacity: 0.8;
    }

    /* Sections common */
    section {
      padding: 80px 0;
      border-bottom: 1px solid var(--grey-border);
    }
    .section-title {
      text-align: center;
      font-size: 2.2rem;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 16px;
    }
    .section-sub {
      text-align: center;
      color: #4b5563;
      max-width: 700px;
      margin: 0 auto 48px auto;
    }

    /* About + stats */
    .about-grid {
      display: flex;
      gap: 48px;
      flex-wrap: wrap;
      align-items: center;
    }
    .stats {
      display: flex;
      gap: 32px;
      justify-content: space-between;
      margin-top: 40px;
      flex-wrap: wrap;
    }
    .stat-item {
      text-align: center;
      background: var(--light-grey);
      padding: 20px;
      border-radius: 24px;
      flex: 1;
    }
    .stat-number {
      font-size: 2.4rem;
      font-weight: 800;
      color: var(--gold);
    }

    /* Why choose us cards */
    .why-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
      gap: 32px;
      margin-top: 24px;
    }
    .why-card {
      background: white;
      border-radius: 28px;
      padding: 32px 24px;
      box-shadow: var(--shadow-sm);
      transition: 0.2s;
      text-align: center;
      border: 1px solid var(--grey-border);
    }
    .why-card i {
      font-size: 2.6rem;
      color: var(--teal);
      margin-bottom: 20px;
    }

    /* Services Categories */
    .services-cat {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
      gap: 32px;
    }
    .cat-card {
      background: var(--light-grey);
      border-radius: 28px;
      padding: 28px;
      transition: 0.2s;
    }
    .cat-card h3 {
      font-size: 1.5rem;
      margin-bottom: 20px;
      border-left: 4px solid var(--gold);
      padding-left: 16px;
    }
    .cat-card ul {
      list-style: none;
    }
    .cat-card li {
      margin: 12px 0;
      display: flex;
      align-items: center;
      gap: 10px;
    }
    .cat-card li i {
      width: 24px;
      color: var(--teal);
    }

    /* Testimonials */
    .testimonial-grid {
      display: flex;
      flex-wrap: wrap;
      gap: 32px;
      justify-content: center;
    }
    .testimonial-card {
      background: white;
      border-radius: 28px;
      padding: 28px;
      box-shadow: var(--shadow-sm);
      flex: 1 1 280px;
      border: 1px solid var(--grey-border);
    }
    .stars i {
      color: #fbbf24;
    }

    /* FAQ accordion */
    .faq-item {
      background: white;
      border: 1px solid var(--grey-border);
      border-radius: 20px;
      margin-bottom: 16px;
      overflow: hidden;
    }
    .faq-question {
      padding: 20px 24px;
      font-weight: 700;
      cursor: pointer;
      display: flex;
      justify-content: space-between;
      background: white;
    }
    .faq-answer {
      padding: 0 24px 20px 24px;
      display: none;
      color: #2d3e50;
      border-top: 1px solid var(--grey-border);
    }
    .faq-item.active .faq-answer {
      display: block;
    }

    /* Forms */
    .form-grid {
      display: flex;
      gap: 40px;
      flex-wrap: wrap;
    }
    .contact-form, .newsletter-box {
      flex: 1;
      background: var(--light-grey);
      padding: 32px;
      border-radius: 32px;
    }
    input, select, textarea {
      width: 100%;
      padding: 12px 16px;
      margin: 8px 0 18px;
      border: 1px solid var(--grey-border);
      border-radius: 24px;
      font-family: inherit;
    }
    .success-msg {
      background: #e0f2e9;
      color: #1f6e43;
      padding: 10px;
      border-radius: 28px;
      margin-top: 12px;
      text-align: center;
    }

    /* EMI Calculator (optional) */
    .emi-card {
      background: white;
      border-radius: 32px;
      padding: 32px;
      box-shadow: var(--shadow-md);
      margin: 40px 0 20px;
    }

    /* Modal (Legal) */
    .modal {
      display: none;
      position: fixed;
      top: 0; left: 0;
      width: 100%; height: 100%;
      background: rgba(0,0,0,0.5);
      align-items: center;
      justify-content: center;
      z-index: 2000;
    }
    .modal-content {
      background: white;
      max-width: 600px;
      width: 90%;
      max-height: 80vh;
      overflow-y: auto;
      padding: 32px;
      border-radius: 32px;
      position: relative;
    }
    .close-modal {
      position: absolute;
      top: 16px; right: 24px;
      font-size: 28px;
      cursor: pointer;
    }

    footer {
      background: var(--navy);
      color: #cbd5e1;
      padding: 48px 0 24px;
    }
    .footer-grid {
      display: flex;
      flex-wrap: wrap;
      justify-content: space-between;
      gap: 32px;
    }
    .social i {
      font-size: 1.5rem;
      margin-right: 16px;
      color: #e2e8f0;
    }

    /* live chat */
    .live-chat {
      position: fixed;
      bottom: 30px;
      right: 30px;
      background: var(--teal);
      color: white;
      width: 60px;
      height: 60px;
      border-radius: 60px;
      display: flex;
      align-items: center;
      justify-content: center;
      cursor: pointer;
      box-shadow: 0 10px 20px rgba(0,0,0,0.2);
      z-index: 1100;
    }

    @media (max-width: 768px) {
      .navbar {
        flex-direction: column;
        gap: 16px;
      }
      .hero-content h1 {
        font-size: 2.2rem;
      }
      .container {
        padding: 0 20px;
      }
      section {
        padding: 50px 0;
      }
    }