/* ═══════════════════════════════════════════════════════════
   SHREE LAMBODAR — MEMBER.CSS
   Font: Inter (all weights)
   Theme: #254036 / #1e3a2f / Gold
   Aesthetic: Editorial Membership · Alternating Sections
═══════════════════════════════════════════════════════════ */

:root {
  --green:       #1e3a2f;
  --green-hero:  #254036;
  --green-mid:   #2a5240;
  --green-lt:    #3a7a5a;
  --gold:        #c8a84b;
  --gold-light:  #e8c76a;
  --gold-pale:   #f5e9c8;
  --white:       #ffffff;
  --off-white:   #f7f9f8;
  --cream:       #fdfaf5;
  --warm:        #f3f5f3;
  --text-dark:   #1a2e25;
  --text-body:   #364f43;
  --text-muted:  #697d72;
  --border:      rgba(30,58,47,0.10);
  --border-lt:   rgba(30,58,47,0.06);

  --hh:          80px;
  --r-xs:        4px;
  --r-sm:        8px;
  --r-md:        14px;
  --r-lg:        22px;
  --r-xl:        32px;
  --sh-xs:       0 1px 8px rgba(30,58,47,0.06);
  --sh-sm:       0 4px 18px rgba(30,58,47,0.09);
  --sh-md:       0 10px 38px rgba(30,58,47,0.12);
  --sh-lg:       0 24px 72px rgba(30,58,47,0.16);
  --ease:        cubic-bezier(0.4,0,0.2,1);
  --spring:      cubic-bezier(0.34,1.56,0.64,1);
  --tr:          all 0.32s var(--ease);
  --tr-f:        all 0.18s var(--ease);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'Inter',sans-serif;color:var(--text-dark);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
img{max-width:100%;display:block;}
button{cursor:pointer;font-family:inherit;border:none;background:none;}

/* ═══════════════════════════════════════════════════════════
   HEADER
═══════════════════════════════════════════════════════════ */
.header{position:fixed;top:0;left:0;right:0;z-index:1000;height:var(--hh);background:#fff;box-shadow:0 1px 0 var(--border-lt),0 4px 20px rgba(30,58,47,0.07);transition:var(--tr);}
.header.scrolled{background:#254036;box-shadow:0 4px 32px rgba(37,64,54,0.35);}
.header .nav-link{color:rgba(37,64,54,0.82);}
.header .nav-link:hover{color:var(--green-hero);background:rgba(37,64,54,0.06);}
.header.scrolled .nav-link{color:rgba(255,255,255,0.90);}
.header.scrolled .nav-link:hover{color:var(--gold-light);background:rgba(255,255,255,0.08);}
.header .ham-bar{background:var(--green-hero);}
.header.scrolled .ham-bar{background:#fff;}
.nav-item--active>.nav-link{color:var(--green-hero)!important;font-weight:700;}
.header.scrolled .nav-item--active>.nav-link{color:var(--gold-light)!important;}
.subdropdown-link--active{color:var(--green)!important;font-weight:700;background:var(--off-white);}

.header-container{max-width:1320px;margin:0 auto;padding:0 2rem;height:100%;display:flex;align-items:center;gap:2rem;}
.logo{flex-shrink:0;margin-right:auto;display:flex;align-items:center;background:rgba(255,255,255,0.97);padding:5px 18px 5px 10px;border-radius:50px;box-shadow:0 2px 16px rgba(0,0,0,0.10);border:1px solid rgba(255,255,255,0.6);transition:var(--tr);}
.logo:hover{background:#fff;transform:translateY(-1px);box-shadow:0 4px 22px rgba(0,0,0,0.16);}
.logo-img{height:50px;width:auto;object-fit:contain;display:block;}
.nav{display:flex;}
.nav-list{display:flex;align-items:center;gap:0.15rem;}
.nav-item{position:relative;}
.nav-link{display:flex;align-items:center;gap:4px;padding:0.5rem 0.8rem;font-size:0.875rem;font-weight:500;border-radius:var(--r-sm);transition:var(--tr-f);white-space:nowrap;letter-spacing:0.005em;}
.chevron{width:14px;height:14px;stroke:currentColor;transition:transform 0.25s;flex-shrink:0;}
.nav-item.has-dropdown:hover .chevron{transform:rotate(180deg);}
.dropdown{position:absolute;top:calc(100% + 10px);left:0;min-width:284px;background:var(--white);border-radius:var(--r-md);box-shadow:var(--sh-lg);border:1px solid var(--border);opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity 0.2s,transform 0.2s,visibility 0.2s;overflow:visible;z-index:100;}
.dropdown::before{content:'';position:absolute;top:-6px;left:20px;width:12px;height:12px;background:var(--white);border-left:1px solid var(--border);border-top:1px solid var(--border);transform:rotate(45deg);border-radius:2px;}
.nav-item.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.dropdown-item{position:relative;border-bottom:1px solid var(--border-lt);}
.dropdown-item:last-child{border-bottom:none;}
.dropdown-link{display:flex;align-items:center;justify-content:space-between;gap:8px;padding:0.8rem 1rem;font-size:0.85rem;font-weight:500;color:var(--text-body);transition:var(--tr-f);line-height:1.4;}
.dropdown-link:hover{color:var(--green);background:var(--off-white);}
.chevron-right{width:14px;height:14px;stroke:currentColor;flex-shrink:0;opacity:0.45;transition:opacity 0.2s,transform 0.2s;}
.dropdown-item.has-subdropdown:hover .chevron-right{opacity:1;transform:translateX(3px);}
.subdropdown{position:absolute;left:100%;top:0;min-width:230px;background:var(--white);border-radius:var(--r-md);box-shadow:var(--sh-lg);border:1px solid var(--border);opacity:0;visibility:hidden;transform:translateX(-8px);transition:opacity 0.2s,transform 0.2s,visibility 0.2s;z-index:101;}
.dropdown-item.has-subdropdown:hover .subdropdown{opacity:1;visibility:visible;transform:translateX(0);}
.subdropdown li{border-bottom:1px solid var(--border-lt);}
.subdropdown li:last-child{border-bottom:none;}
.subdropdown-link{display:flex;align-items:center;padding:0.75rem 1rem;font-size:0.83rem;font-weight:400;color:var(--text-body);transition:var(--tr-f);gap:8px;}
.subdropdown-link::before{content:'';width:5px;height:5px;background:var(--gold);border-radius:50%;flex-shrink:0;opacity:0;transition:opacity 0.2s;}
.subdropdown-link:hover{color:var(--green);background:var(--off-white);padding-left:1.25rem;}
.subdropdown-link:hover::before{opacity:1;}
.header-cta{flex-shrink:0;display:inline-flex;align-items:center;padding:0.5rem 1.2rem;background:var(--gold);color:var(--green);font-size:0.875rem;font-weight:700;border-radius:50px;letter-spacing:0.015em;transition:var(--tr-f);}
.header-cta:hover{background:var(--gold-light);transform:translateY(-1px);box-shadow:0 6px 20px rgba(200,168,75,0.38);}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;width:42px;height:42px;gap:5px;border-radius:var(--r-sm);transition:var(--tr-f);flex-shrink:0;}
.hamburger:hover{background:rgba(37,64,54,0.07);}
.header.scrolled .hamburger:hover{background:rgba(255,255,255,0.08);}
.ham-bar{display:block;width:24px;height:2px;border-radius:2px;transition:transform 0.35s var(--ease),opacity 0.25s,width 0.3s,background 0.3s;transform-origin:center;}
.hamburger.active .ham-bar:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.active .ham-bar:nth-child(2){opacity:0;width:0;}
.hamburger.active .ham-bar:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
.mobile-nav{display:none;max-height:0;overflow:hidden;background:rgba(18,40,30,0.98);backdrop-filter:blur(20px);transition:max-height 0.45s var(--ease),opacity 0.35s;opacity:0;border-top:1px solid rgba(255,255,255,0.08);}
.mobile-nav.open{max-height:1000px;opacity:1;}
.mobile-nav-list{padding:1rem 1.5rem 1.5rem;display:flex;flex-direction:column;gap:2px;}
.mobile-nav-link{display:block;padding:0.85rem 1rem;font-size:0.95rem;font-weight:500;color:rgba(255,255,255,0.86);border-radius:var(--r-sm);transition:var(--tr-f);}
.mobile-nav-link:hover{color:var(--gold-light);background:rgba(255,255,255,0.06);}
.mobile-accordion-btn{width:100%;display:flex;align-items:center;justify-content:space-between;padding:0.85rem 1rem;font-size:0.95rem;font-weight:500;color:rgba(255,255,255,0.86);border-radius:var(--r-sm);transition:var(--tr-f);text-align:left;}
.mobile-sub-btn{font-size:0.875rem;color:rgba(255,255,255,0.65);padding-left:1.5rem;}
.mobile-accordion-btn:hover{color:var(--gold-light);background:rgba(255,255,255,0.06);}
.mobile-accordion-btn.active .chevron{transform:rotate(180deg);}
.mobile-accordion-list{max-height:0;overflow:hidden;transition:max-height 0.35s var(--ease);}
.mobile-accordion-list.open{max-height:600px;}
.mobile-sub-link{display:flex;align-items:center;gap:8px;padding:0.65rem 1rem 0.65rem 2.5rem;font-size:0.84rem;font-weight:400;color:rgba(255,255,255,0.58);transition:var(--tr-f);border-radius:var(--r-sm);}
.mobile-sub-link::before{content:'›';color:var(--gold);font-size:1.1rem;line-height:1;}
.mobile-sub-link:hover{color:var(--gold-light);background:rgba(255,255,255,0.05);}
.mobile-cta{display:block;margin-top:0.5rem;padding:0.85rem 1.5rem;background:var(--gold);color:var(--green);font-weight:700;border-radius:50px;text-align:center;font-size:0.95rem;transition:var(--tr-f);}
.mobile-cta:hover{background:var(--gold-light);}

/* ═══════════════════════════════════════════════════════════
   PAGE BANNER — centered with icon
═══════════════════════════════════════════════════════════ */
.page-banner{
  position:relative;margin-top:var(--hh);
  height:540px;overflow:hidden;
  display:flex;align-items:center;justify-content:center;
}
.banner-img-wrap{position:absolute;inset:0;z-index:0;}
.banner-img{width:100%;height:100%;object-fit:cover;object-position:center 38%;display:block;animation:kbBanner 22s ease-in-out infinite alternate;}
@keyframes kbBanner{from{transform:scale(1.04);}to{transform:scale(1.11);}}
.banner-overlay{
  position:absolute;inset:0;
  background:
    radial-gradient(ellipse 80% 100% at 50% 0%, rgba(30,58,47,0.82) 0%, rgba(30,58,47,0.65) 60%, rgba(20,40,28,0.80) 100%),
    linear-gradient(to bottom, rgba(20,40,28,0.5) 0%, transparent 40%, rgba(20,40,28,0.7) 100%);
}

/* Floating finance icons */
.banner-floats{position:absolute;inset:0;z-index:1;pointer-events:none;overflow:hidden;}
.mbf{position:absolute;font-family:'Inter',sans-serif;font-weight:900;color:var(--gold-light);opacity:0.055;user-select:none;animation:mbfFloat ease-in-out infinite;}
.mbf-1{font-size:4.5rem;top:8%;left:4%;animation-duration:14s;animation-delay:0s;}
.mbf-2{font-size:7rem;top:3%;right:3%;animation-duration:18s;animation-delay:2s;}
.mbf-3{font-size:3.5rem;bottom:20%;right:26%;animation-duration:11s;animation-delay:5s;}
.mbf-4{font-size:5.5rem;top:42%;left:4%;animation-duration:16s;animation-delay:1s;}
.mbf-5{font-size:3rem;bottom:9%;left:16%;animation-duration:9s;animation-delay:4s;}
.mbf-6{font-size:4.5rem;top:60%;right:42%;animation-duration:12s;animation-delay:3s;}
@keyframes mbfFloat{0%,100%{transform:translateY(0) rotate(-3deg);}50%{transform:translateY(-14px) rotate(4deg);}}

/* Animated concentric rings behind content */
.banner-rings{position:absolute;inset:0;z-index:1;pointer-events:none;display:flex;align-items:center;justify-content:center;}
.br{position:absolute;border-radius:50%;border-style:solid;animation:ringExpand ease-in-out infinite;}
.br-1{width:300px;height:300px;border:1px solid rgba(200,168,75,0.12);animation-duration:6s;animation-delay:0s;}
.br-2{width:480px;height:480px;border:1px solid rgba(200,168,75,0.07);animation-duration:6s;animation-delay:2s;}
.br-3{width:660px;height:660px;border:1px solid rgba(200,168,75,0.04);animation-duration:6s;animation-delay:4s;}
@keyframes ringExpand{0%{opacity:0.8;transform:scale(0.95);}50%{opacity:0.5;}100%{opacity:0;transform:scale(1.08);}}

/* Banner content — centered */
.banner-content{
  position:relative;z-index:2;
  text-align:center;
  display:flex;flex-direction:column;align-items:center;gap:1.1rem;
  padding:0 2rem;max-width:680px;
  animation:bannerFadeIn 0.9s var(--ease) both;
}
@keyframes bannerFadeIn{from{opacity:0;transform:translateY(28px);}to{opacity:1;transform:translateY(0);}}

.banner-breadcrumb{display:flex;align-items:center;gap:6px;font-size:0.78rem;font-weight:500;color:rgba(255,255,255,0.50);letter-spacing:0.03em;flex-wrap:wrap;justify-content:center;}
.bc-link{color:var(--gold);transition:color 0.2s;cursor:pointer;}
.bc-link:hover{color:var(--gold-light);}
.bc-current{color:rgba(255,255,255,0.68);}

.banner-icon-circle{
  width:80px;height:80px;border-radius:50%;
  background:rgba(200,168,75,0.12);
  border:2px solid rgba(200,168,75,0.30);
  display:flex;align-items:center;justify-content:center;
  color:var(--gold);
  animation:iconPulse 3s ease-in-out infinite;
}
@keyframes iconPulse{0%,100%{box-shadow:0 0 0 0 rgba(200,168,75,0.3);}50%{box-shadow:0 0 0 12px rgba(200,168,75,0);}}

.banner-title{
  font-size:clamp(2.4rem,6vw,4.6rem);
  font-weight:900;color:#fff;
  line-height:1.08;letter-spacing:-0.03em;
  text-shadow:0 4px 28px rgba(0,0,0,0.28);
}
.banner-title-accent{color:var(--gold);display:block;font-style:italic;font-weight:800;}
.banner-sub{font-size:0.9rem;font-weight:400;color:rgba(255,255,255,0.55);line-height:1.7;max-width:500px;}

/* Rule decoration */
.banner-rule{display:flex;align-items:center;gap:8px;}
.br-dot{width:6px;height:6px;border-radius:50%;border:1.5px solid rgba(255,255,255,0.4);flex-shrink:0;}
.br-dot--gold{background:var(--gold);border-color:var(--gold);}
.br-line{height:1px;width:50px;background:linear-gradient(to right,rgba(200,168,75,0.6),transparent);}
.br-line--short{width:26px;}

/* Banner stats */
.banner-stats{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap;justify-content:center;}
.bms{display:flex;flex-direction:column;align-items:center;gap:2px;}
.bms-val{font-size:1.5rem;font-weight:900;color:var(--gold);line-height:1;letter-spacing:-0.02em;}
.bms-label{font-size:0.67rem;font-weight:700;color:rgba(255,255,255,0.45);letter-spacing:0.08em;text-transform:uppercase;}
.bms-sep{width:1px;height:34px;background:rgba(255,255,255,0.14);flex-shrink:0;}

/* Wave at bottom */
.banner-wave{position:absolute;bottom:-1px;left:0;right:0;z-index:3;line-height:0;}
.banner-wave svg{width:100%;height:80px;display:block;}

/* ═══════════════════════════════════════════════════════════
   MEMBER SECTIONS — shared layout
═══════════════════════════════════════════════════════════ */
.mem-section{position:relative;padding:7rem 0 6rem;overflow:hidden;}
.mem-section--light{background:var(--cream);}
.mem-section--dark{background:var(--green);}

/* Background layers */
.ms-bg{position:absolute;inset:0;pointer-events:none;z-index:0;overflow:hidden;}
.msb-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(37,64,54,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(37,64,54,0.03) 1px,transparent 1px);background-size:56px 56px;}
.msb-grid--dark{background-image:linear-gradient(rgba(255,255,255,0.022) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.022) 1px,transparent 1px);}
.msb-orb{position:absolute;border-radius:50%;filter:blur(80px);}
.msb-orb--a{width:500px;height:500px;top:-180px;right:-130px;background:radial-gradient(ellipse,rgba(200,168,75,0.07) 0%,transparent 70%);animation:orbPulse 11s ease-in-out infinite;}
.msb-orb--b{width:600px;height:600px;top:-250px;right:-180px;background:radial-gradient(ellipse,rgba(200,168,75,0.09) 0%,transparent 70%);animation:orbPulse 12s ease-in-out infinite;}
.msb-orb--c{width:450px;height:450px;bottom:-150px;left:-120px;background:radial-gradient(ellipse,rgba(37,64,54,0.07) 0%,transparent 70%);animation:orbPulse 14s ease-in-out infinite reverse;}
@keyframes orbPulse{0%,100%{transform:scale(1);}50%{transform:scale(1.08);}}
.msb-sym{position:absolute;font-family:'Inter',sans-serif;font-weight:900;user-select:none;animation:symDrift ease-in-out infinite;}
/* Light bg symbols */
.ss1{font-size:6rem;top:5%;left:2%;color:var(--green);opacity:0.03;animation-duration:16s;}
.ss2{font-size:4rem;top:22%;right:3%;color:var(--green);opacity:0.03;animation-duration:12s;animation-delay:4s;}
.ss3{font-size:5rem;bottom:14%;left:10%;color:var(--green);opacity:0.03;animation-duration:18s;animation-delay:2s;}
/* Dark bg symbols */
.ss4{font-size:7rem;top:5%;left:3%;color:var(--gold);opacity:0.04;animation-duration:14s;}
.ss5{font-size:5rem;top:24%;right:4%;color:var(--gold);opacity:0.04;animation-duration:18s;animation-delay:3s;}
.ss6{font-size:4rem;bottom:10%;left:35%;color:var(--gold);opacity:0.04;animation-duration:12s;animation-delay:6s;}
/* Light bg section 3 */
.ss7{font-size:5.5rem;top:6%;left:2%;color:var(--green);opacity:0.03;animation-duration:15s;}
.ss8{font-size:3.5rem;bottom:8%;right:5%;color:var(--green);opacity:0.03;animation-duration:11s;animation-delay:3s;}
.ss9{font-size:4.5rem;top:48%;right:20%;color:var(--green);opacity:0.03;animation-duration:17s;animation-delay:1s;}
@keyframes symDrift{0%,100%{transform:translateY(0px);}50%{transform:translateY(-18px);}}

/* Container grid */
.ms-container{
  position:relative;z-index:2;
  max-width:1240px;margin:0 auto;padding:0 2rem;
  display:grid;grid-template-columns:1fr 1fr;
  gap:5.5rem;align-items:center;
}
/* Reverse: content LEFT, image RIGHT */
.ms-container--reverse{direction:ltr;}

/* ─── CONTENT COL ─────────────────────────────────────────── */
.ms-content{display:flex;flex-direction:column;gap:1.4rem;}
.ms-content--light{color:rgba(255,255,255,0.9);}

.ms-step-badge{
  display:inline-flex;align-items:center;gap:8px;
  padding:0.32rem 0.9rem;
  background:rgba(37,64,54,0.08);border:1px solid rgba(37,64,54,0.14);
  border-radius:50px;color:var(--green-hero);
  font-size:0.7rem;font-weight:800;letter-spacing:0.1em;text-transform:uppercase;
  width:fit-content;
}
.ms-step-badge--light{background:rgba(200,168,75,0.12);border-color:rgba(200,168,75,0.25);color:var(--gold-light);}
.ms-step-num{
  width:22px;height:22px;border-radius:50%;
  background:var(--green-hero);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:0.62rem;font-weight:900;
}
.ms-step-num--light{background:var(--gold);color:var(--green);}

.ms-title{
  font-size:clamp(1.85rem,3.2vw,2.9rem);
  font-weight:800;color:var(--text-dark);
  line-height:1.12;letter-spacing:-0.025em;
}
.ms-title--light{color:#fff;}
.ms-title-em{color:var(--green-hero);font-style:italic;display:block;}
.ms-title-em--gold{color:var(--gold);font-style:italic;display:block;}

.ms-title-rule{display:flex;align-items:center;gap:8px;}
.mstr-line{height:1px;width:50px;background:linear-gradient(to right,var(--gold),transparent);}
.mstr-line--short{width:26px;}
.mstr-line--light{background:linear-gradient(to right,rgba(200,168,75,0.6),transparent);}
.mstr-diamond{width:8px;height:8px;background:var(--gold);transform:rotate(45deg);flex-shrink:0;}
.mstr-diamond--gold{background:var(--gold);}

.ms-body{font-size:0.96rem;line-height:1.82;color:var(--text-body);}
.ms-body--light{color:rgba(255,255,255,0.68);}
.ms-body strong,.ms-body--light strong{color:var(--green-hero);font-weight:700;}
.ms-body--light strong{color:var(--gold-light);}

/* Highlights (section 1) */
.ms-highlights{display:flex;flex-direction:column;gap:0.55rem;}
.ms-hl{
  display:flex;align-items:center;gap:0.85rem;
  font-size:0.875rem;font-weight:600;color:var(--text-body);
  padding:0.6rem 0;border-bottom:1px solid var(--border-lt);
  transition:color 0.18s;
}
.ms-highlights .ms-hl:last-child{border-bottom:none;}
.ms-hl:hover{color:var(--text-dark);}
.ms-hl-icon{flex-shrink:0;width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;transition:transform 0.25s;}
.ms-hl:hover .ms-hl-icon{transform:scale(1.1);}
.ms-hli--green{background:rgba(37,64,54,0.08);border:1px solid rgba(37,64,54,0.12);color:var(--green-hero);}
.ms-hli--gold{background:rgba(200,168,75,0.10);border:1px solid rgba(200,168,75,0.20);color:#8a6820;}

/* Share badge */
.ms-share-badge{
  display:flex;align-items:center;gap:1rem;
  padding:1.1rem 1.4rem;
  background:var(--white);
  border:1.5px solid rgba(200,168,75,0.28);
  border-left:4px solid var(--gold);
  border-radius:var(--r-md);
  box-shadow:var(--sh-xs);
  transition:var(--tr);
}
.ms-share-badge:hover{box-shadow:var(--sh-sm);transform:translateX(4px);}
.msb-icon{flex-shrink:0;width:40px;height:40px;border-radius:11px;background:rgba(200,168,75,0.10);border:1px solid rgba(200,168,75,0.22);display:flex;align-items:center;justify-content:center;color:#8a6820;}
.msb-text{display:flex;flex-direction:column;gap:2px;}
.msb-label{font-size:0.65rem;font-weight:700;color:var(--text-muted);letter-spacing:0.07em;text-transform:uppercase;}
.msb-val{font-size:0.92rem;font-weight:800;color:var(--text-dark);letter-spacing:-0.01em;}

/* Eligibility cards (section 2) */
.ms-eligibility-cards{display:flex;flex-direction:column;gap:0.75rem;}
.ms-elig-card{
  display:flex;align-items:flex-start;gap:1rem;
  padding:1.1rem 1.3rem;
  background:rgba(255,255,255,0.05);
  border:1px solid rgba(255,255,255,0.09);
  border-radius:var(--r-md);
  transition:transform 0.3s var(--spring),border-color 0.3s,background 0.3s;
}
.ms-elig-card:hover{transform:translateX(6px);background:rgba(255,255,255,0.08);border-color:rgba(200,168,75,0.28);}
.ms-elig-card--featured{background:rgba(200,168,75,0.08);border-color:rgba(200,168,75,0.22);}
.ms-elig-card--featured:hover{background:rgba(200,168,75,0.14);border-color:rgba(200,168,75,0.42);}
.ms-elig-icon{flex-shrink:0;width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;transition:transform 0.25s;}
.ms-elig-card:hover .ms-elig-icon{transform:scale(1.1);}
.ms-ei--green{background:rgba(58,122,90,0.20);border:1.5px solid rgba(58,122,90,0.35);color:#7dcba0;}
.ms-ei--gold{background:rgba(200,168,75,0.14);border:1.5px solid rgba(200,168,75,0.30);color:var(--gold-light);}
.ms-elig-text{display:flex;flex-direction:column;gap:3px;}
.ms-elig-text strong{font-size:0.875rem;font-weight:800;color:#fff;}
.ms-elig-text span{font-size:0.78rem;line-height:1.55;color:rgba(255,255,255,0.55);}

/* Process timeline (section 3) */
.ms-process{display:flex;flex-direction:column;gap:0;margin-top:0.4rem;}
.ms-process-item{
  display:flex;align-items:flex-start;gap:1rem;
  position:relative;
}
.ms-process-item:not(.ms-process-item--last){padding-bottom:1.2rem;}
.ms-pi-dot{
  flex-shrink:0;
  width:40px;height:40px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  z-index:1;position:relative;
  transition:transform 0.25s;
}
.ms-process-item:hover .ms-pi-dot{transform:scale(1.1);}
.ms-pid--1{background:rgba(37,64,54,0.10);border:2px solid var(--green-hero);color:var(--green-hero);}
.ms-pid--2{background:rgba(200,168,75,0.10);border:2px solid var(--gold);color:#8a6820;}
.ms-pid--3{background:rgba(37,64,54,0.10);border:2px solid var(--green-hero);color:var(--green-hero);}
.ms-pid--4{background:var(--green-hero);border:2px solid var(--green-hero);color:#fff;}
.ms-pi-connector{
  position:absolute;left:19px;top:44px;
  width:2px;height:calc(100% - 44px);
  background:linear-gradient(to bottom,var(--border),transparent);
  z-index:0;
}
.ms-process-item--last .ms-pi-connector{display:none;}
.ms-pi-text{display:flex;flex-direction:column;gap:2px;padding-top:8px;}
.ms-pi-text strong{font-size:0.875rem;font-weight:800;color:var(--text-dark);}
.ms-pi-text span{font-size:0.78rem;line-height:1.6;color:var(--text-muted);}

/* ─── IMAGE COL ───────────────────────────────────────────── */
.ms-image-col{position:relative;display:flex;align-items:center;justify-content:center;}
.ms-img-shadow{
  position:absolute;
  inset:16px -14px -14px 14px;
  background:rgba(37,64,54,0.08);
  border-radius:var(--r-lg);z-index:0;
}
.ms-img-shadow--gold{
  background:rgba(200,168,75,0.08);
  border:1px solid rgba(200,168,75,0.12);
}
.ms-img-wrap{
  position:relative;z-index:1;
  border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--sh-lg),0 0 0 1px rgba(37,64,54,0.07);
  width:100%;max-width:480px;
  transition:box-shadow 0.4s var(--ease);
  will-change:transform;
}
.ms-img-wrap:hover{box-shadow:0 40px 90px rgba(37,64,54,0.24);}
.ms-img{width:100%;height:520px;object-fit:cover;display:block;transition:transform 0.6s var(--ease);}
.ms-img-wrap:hover .ms-img{transform:scale(1.04);}
.ms-img-dim{position:absolute;inset:0;background:linear-gradient(to bottom,transparent 55%,rgba(30,58,47,0.22) 100%);pointer-events:none;}
.ms-img-dim--dark{background:linear-gradient(to bottom,transparent 55%,rgba(30,58,47,0.40) 100%);}

/* Floating chip on images */
.ms-img-float-chip{
  position:absolute;z-index:3;
  background:var(--white);border-radius:var(--r-md);
  box-shadow:var(--sh-md);border:1px solid var(--border);
  display:flex;align-items:center;gap:8px;
  padding:0.7rem 1rem;
  font-size:0.78rem;font-weight:700;color:var(--text-dark);
}
.ms-ifc--top{top:22px;right:-18px;animation:chipBob 3.2s ease-in-out infinite;}
.ms-ifc--bottom{bottom:24px;left:-18px;animation:chipBob 3.6s 0.5s ease-in-out infinite;}
.ms-ifc--dark{background:var(--green-hero);border-color:transparent;color:rgba(255,255,255,0.88);}
.ms-ifc--dark svg{color:var(--gold);}
.ms-img-float-chip svg{color:var(--green-hero);flex-shrink:0;}
@keyframes chipBob{0%,100%{transform:translateY(0);}50%{transform:translateY(-8px);}}

/* Mobile app badge */
.ms-img-mobile-badge{
  position:absolute;bottom:22px;right:16px;z-index:3;
  display:inline-flex;align-items:center;gap:6px;
  padding:0.32rem 0.8rem;
  background:rgba(200,168,75,0.90);color:var(--green);
  border-radius:50px;font-size:0.65rem;font-weight:900;
  letter-spacing:0.08em;text-transform:uppercase;
}

/* Corner marks */
.ms-corner{position:absolute;width:24px;height:24px;z-index:2;}
.ms-corner--tl{top:-3px;left:-3px;border-top:3px solid var(--gold);border-left:3px solid var(--gold);border-radius:var(--r-xs) 0 0 0;}
.ms-corner--br{bottom:-3px;right:-3px;border-bottom:3px solid var(--gold);border-right:3px solid var(--gold);border-radius:0 0 var(--r-xs) 0;}
.ms-corner--gold{border-color:var(--gold);}

/* ═══════════════════════════════════════════════════════════
   CTA SECTION
═══════════════════════════════════════════════════════════ */
.mem-cta{position:relative;padding:5.5rem 0;background:var(--green-hero);overflow:hidden;}
.memcta-bg{position:absolute;inset:0;pointer-events:none;overflow:hidden;}
.memcta-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.02) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.02) 1px,transparent 1px);background-size:50px 50px;}
.memcta-orb{position:absolute;width:600px;height:600px;top:-260px;right:-200px;border-radius:50%;filter:blur(80px);background:radial-gradient(ellipse,rgba(200,168,75,0.09) 0%,transparent 70%);animation:orbPulse 12s ease-in-out infinite;}
.memcta-sym{position:absolute;font-family:'Inter',sans-serif;font-weight:900;color:var(--gold);opacity:0.04;user-select:none;animation:symDrift ease-in-out infinite;}
.mc1{font-size:5rem;top:10%;left:3%;animation-duration:13s;}
.mc2{font-size:3.5rem;bottom:10%;right:5%;animation-duration:10s;animation-delay:2s;}
.mc3{font-size:4rem;top:40%;right:30%;animation-duration:15s;animation-delay:4s;}

.memcta-inner{
  position:relative;z-index:2;
  max-width:1200px;margin:0 auto;padding:0 2rem;
  display:flex;align-items:center;gap:2.5rem;flex-wrap:wrap;
}
.memcta-icon{
  flex-shrink:0;
  width:80px;height:80px;border-radius:22px;
  background:rgba(200,168,75,0.12);border:1px solid rgba(200,168,75,0.25);
  display:flex;align-items:center;justify-content:center;color:var(--gold);
  animation:ctaPulse 3s ease-in-out infinite;
}
@keyframes ctaPulse{0%,100%{box-shadow:0 0 0 0 rgba(200,168,75,0.3);}50%{box-shadow:0 0 0 12px rgba(200,168,75,0);}}
.memcta-text{flex:1;min-width:240px;}
.memcta-title{font-size:clamp(1.35rem,2.5vw,2rem);font-weight:800;color:#fff;letter-spacing:-0.02em;margin-bottom:0.45rem;}
.memcta-sub{font-size:0.88rem;color:rgba(255,255,255,0.50);line-height:1.7;max-width:520px;}
.memcta-actions{display:flex;align-items:center;gap:1rem;flex-shrink:0;flex-wrap:wrap;}
.memcta-btn-primary{
  display:inline-flex;align-items:center;gap:8px;
  padding:0.9rem 1.8rem;
  background:var(--gold);color:var(--green);
  font-size:0.9rem;font-weight:800;
  border-radius:50px;letter-spacing:0.02em;
  transition:var(--tr-f);white-space:nowrap;
}
.memcta-btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 24px rgba(200,168,75,0.45);}
.memcta-btn-ghost{
  display:inline-flex;align-items:center;gap:8px;
  padding:0.9rem 1.5rem;
  background:transparent;color:rgba(255,255,255,0.80);
  border:1.5px solid rgba(255,255,255,0.22);
  font-size:0.9rem;font-weight:600;
  border-radius:50px;transition:var(--tr-f);white-space:nowrap;
}
.memcta-btn-ghost:hover{border-color:rgba(255,255,255,0.55);color:#fff;background:rgba(255,255,255,0.08);transform:translateY(-2px);}
.memcta-btn-ghost svg{transition:transform 0.2s;}
.memcta-btn-ghost:hover svg{transform:translateX(4px);}

/* ═══════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════ */
.footer{position:relative;background:var(--green);overflow:hidden;}
.footer-bg{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden;}
.footer-bg-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.022) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.022) 1px,transparent 1px);background-size:56px 56px;}
.footer-bg-orb{position:absolute;border-radius:50%;filter:blur(70px);}
.footer-bg-orb--1{width:600px;height:600px;top:-260px;right:-200px;background:radial-gradient(ellipse,rgba(200,168,75,0.07) 0%,transparent 70%);animation:orbPulse 18s ease-in-out infinite;}
.footer-bg-orb--2{width:450px;height:450px;bottom:-180px;left:-160px;background:radial-gradient(ellipse,rgba(58,122,90,0.14) 0%,transparent 70%);animation:orbPulse 22s ease-in-out infinite reverse;}
.footer-bg-icon{position:absolute;font-family:'Inter',sans-serif;font-weight:900;color:var(--gold);opacity:0.04;user-select:none;animation:symDrift ease-in-out infinite;}
.fbi-1{font-size:8rem;top:6%;left:3%;animation-duration:15s;}
.fbi-2{font-size:5rem;top:40%;right:4%;animation-duration:19s;animation-delay:4s;}
.fbi-3{font-size:6rem;bottom:16%;left:38%;animation-duration:13s;animation-delay:7s;}
.fbi-4{font-size:4rem;bottom:6%;right:22%;animation-duration:17s;animation-delay:2s;}
.footer-body{position:relative;z-index:2;padding:4rem 0 3rem;border-bottom:1px solid rgba(255,255,255,0.07);}
.footer-body-inner{max-width:1260px;margin:0 auto;padding:0 2rem;display:grid;grid-template-columns:1.5fr 1fr 1.3fr;gap:4rem;align-items:start;}
.footer-col{display:flex;flex-direction:column;gap:1.1rem;}
.footer-logo-wrap{display:inline-flex;align-items:center;width:fit-content;background:rgba(255,255,255,0.96);padding:7px 18px 7px 10px;border-radius:50px;border:1px solid rgba(255,255,255,0.3);transition:var(--tr);text-decoration:none;}
.footer-logo-wrap:hover{background:#fff;transform:translateY(-2px);}
.footer-logo-img{height:46px;width:auto;object-fit:contain;display:block;}
.footer-brand-desc{font-size:0.875rem;line-height:1.82;color:rgba(255,255,255,0.52);max-width:320px;}
.footer-social{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-top:0.15rem;}
.footer-social-btn{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.12);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.65);text-decoration:none;transition:background 0.22s,color 0.22s,border-color 0.22s,transform 0.22s;flex-shrink:0;}
.footer-social-btn:hover{background:var(--gold);border-color:var(--gold);color:var(--green);transform:translateY(-3px);}
.footer-col-title{display:flex;align-items:center;gap:10px;font-size:0.8rem;font-weight:800;letter-spacing:0.1em;text-transform:uppercase;color:#fff;margin-bottom:0.2rem;}
.footer-col-title-bar{display:block;width:20px;height:3px;background:var(--gold);border-radius:2px;flex-shrink:0;}
.footer-links-list{display:flex;flex-direction:column;gap:0;list-style:none;}
.footer-link{display:flex;align-items:center;gap:7px;padding:0.44rem 0;font-size:0.875rem;font-weight:400;color:rgba(255,255,255,0.52);text-decoration:none;border-bottom:1px solid rgba(255,255,255,0.04);transition:color 0.2s,gap 0.2s;line-height:1.5;}
.footer-links-list li:last-child .footer-link{border-bottom:none;}
.footer-link svg{flex-shrink:0;color:var(--gold);opacity:0;transition:opacity 0.2s,transform 0.2s;}
.footer-link:hover{color:rgba(255,255,255,0.92);gap:11px;}
.footer-link:hover svg{opacity:1;transform:translateX(2px);}
.footer-link--active{color:var(--gold-light)!important;font-weight:600;}
.footer-link--active svg{opacity:1!important;}
.footer-contact-list{display:flex;flex-direction:column;gap:0;}
.footer-contact-item{display:flex;align-items:flex-start;gap:11px;padding:0.7rem 0;border-bottom:1px solid rgba(255,255,255,0.05);}
.footer-contact-item:last-child{border-bottom:none;}
.footer-contact-icon{flex-shrink:0;margin-top:2px;width:32px;height:32px;border-radius:8px;background:rgba(200,168,75,0.10);border:1px solid rgba(200,168,75,0.18);display:flex;align-items:center;justify-content:center;color:var(--gold);}
.footer-contact-info{display:flex;flex-direction:column;gap:2px;min-width:0;}
.footer-contact-label{font-size:0.68rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--gold);line-height:1;opacity:0.75;}
.footer-contact-value{font-size:0.875rem;font-weight:400;color:rgba(255,255,255,0.65);line-height:1.6;display:block;}
.footer-contact-link{text-decoration:none;transition:color 0.18s;}
.footer-contact-link:hover{color:var(--gold-light);}
.footer-compliance{display:flex;align-items:center;gap:10px;margin-top:0.5rem;padding:0.85rem 1rem;background:rgba(200,168,75,0.08);border:1px solid rgba(200,168,75,0.2);border-radius:12px;}
.footer-compliance-icon{width:36px;height:36px;border-radius:50%;background:rgba(200,168,75,0.12);display:flex;align-items:center;justify-content:center;color:var(--gold);flex-shrink:0;}
.footer-compliance-text{display:flex;flex-direction:column;gap:2px;}
.footer-compliance-title{font-size:0.78rem;font-weight:700;color:var(--gold-light);line-height:1.2;}
.footer-compliance-sub{font-size:0.7rem;color:rgba(255,255,255,0.38);letter-spacing:0.02em;}
.footer-bottom{position:relative;z-index:2;padding:1.15rem 0;background:rgba(0,0,0,0.20);}
.footer-bottom-inner{max-width:1260px;margin:0 auto;padding:0 2rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;}
.footer-copy{font-size:0.8rem;color:rgba(255,255,255,0.30);line-height:1.5;}
.footer-bottom-nav{display:flex;align-items:center;gap:0.55rem;flex-wrap:wrap;}
.footer-bottom-link{font-size:0.78rem;font-weight:500;color:rgba(255,255,255,0.36);text-decoration:none;transition:color 0.18s;white-space:nowrap;}
.footer-bottom-link:hover{color:var(--gold-light);}
.footer-bottom-sep{display:block;width:1px;height:12px;background:rgba(255,255,255,0.15);flex-shrink:0;}

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════ */
@media(max-width:1080px){
  .ms-container{gap:3.5rem;}
  .footer-body-inner{grid-template-columns:1.3fr 1fr 1.2fr;gap:2.5rem;}
}
@media(max-width:900px){
  .nav{display:none;}
  .header-cta{display:none;}
  .hamburger{display:flex;}
  .mobile-nav{display:block;}
  .header-container{gap:1rem;}
  .page-banner{height:460px;}
  .banner-title{font-size:clamp(2.2rem,7vw,3.5rem);}
  .ms-container{grid-template-columns:1fr;gap:3.5rem;}
  /* Always: image below content on mobile (natural order) */
  .ms-container--reverse .ms-image-col{order:2;}
  .ms-container--reverse .ms-content{order:1;}
  .ms-container .ms-image-col{order:2;}
  .ms-container .ms-content{order:1;}
  .ms-image-col{max-width:440px;margin:0 auto;width:100%;}
  .ms-img{height:380px;}
  .ms-img-shadow{display:none;}
  .ms-ifc--top{right:10px;top:14px;}
  .ms-ifc--bottom{left:10px;bottom:14px;}
  .memcta-inner{flex-direction:column;text-align:center;}
  .memcta-actions{justify-content:center;}
  .memcta-icon{margin:0 auto;}
  .footer-body-inner{grid-template-columns:1fr 1fr;gap:2rem 2.5rem;padding:0 1.5rem;}
  .footer-col--brand{grid-column:1/-1;}
  .footer-brand-desc{max-width:100%;}
}
@media(max-width:640px){
  :root{--hh:68px;}
  .logo{padding:4px 14px 4px 8px;}
  .logo-img{height:38px;}
  .page-banner{height:380px;}
  .banner-title{font-size:clamp(1.9rem,8vw,2.8rem);}
  .banner-rings{display:none;}
  .mem-section{padding:5rem 0 4rem;}
  .ms-container{padding:0 1.25rem;}
  .ms-img{height:300px;}
  .mem-cta{padding:4rem 0;}
  .memcta-inner{padding:0 1.25rem;}
  .footer-body{padding:2.5rem 0 2rem;}
  .footer-body-inner{grid-template-columns:1fr;gap:1.75rem;padding:0 1.25rem;}
  .footer-col--brand{grid-column:auto;}
  .footer-bottom-inner{flex-direction:column;align-items:center;text-align:center;padding:0 1.25rem;}
  .footer-bottom-nav{justify-content:center;}
  .mobile-nav-list{padding:0.75rem 1rem 1.25rem;}
}
@media(max-width:420px){
  .page-banner{height:300px;}
  .banner-title{font-size:1.8rem;}
  .banner-icon-circle{width:60px;height:60px;}
  .ms-img{height:250px;}
  .ms-img-float-chip{display:none;}
  .ms-img-mobile-badge{display:none;}
  .ms-corner{display:none;}
  .footer-bottom-sep{display:none;}
}