/* ═══════════════════════════════════════════════════════════
   SHREE LAMBODAR — MONTHLY.CSS
   Fonts: Libre Baskerville (display) + DM Sans (body)
   Theme: Deep Forest Green #254036 / Warm Cream / Gold
   Aesthetic: Refined Editorial · Warm Finance · Trustworthy
═══════════════════════════════════════════════════════════ */

:root {
  --green:      #1e3a2f;
  --green-hero: #254036;
  --green-mid:  #2a5240;
  --green-lt:   #3a7a5a;
  --gold:       #c8a84b;
  --gold-light: #e8c76a;
  --gold-pale:  #f5e9c8;
  --white:      #ffffff;
  --off-white:  #f8faf9;
  --cream:      #fdf9f2;
  --warm-gray:  #f4f1ec;
  --text-dark:  #1a2e25;
  --text-body:  #3d5a4a;
  --text-muted: #6b8c7a;
  --border:     rgba(30,58,47,0.10);

  --hh:         80px;
  --r-sm:       6px;
  --r-md:       14px;
  --r-lg:       22px;
  --sh-sm:      0 2px 14px rgba(30,58,47,0.07);
  --sh-md:      0 8px 34px rgba(30,58,47,0.13);
  --sh-lg:      0 24px 64px rgba(30,58,47,0.17);
  --tr:         all 0.32s cubic-bezier(0.4,0,0.2,1);
  --tr-f:       all 0.18s cubic-bezier(0.4,0,0.2,1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html  { scroll-behavior: smooth; }
body  { font-family: 'DM Sans', 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: #ffffff;
  box-shadow: 0 2px 20px rgba(30,58,47,0.10);
  transition: var(--tr);
}
.header.scrolled {
  background: #254036;
  box-shadow: 0 4px 30px rgba(37,64,54,0.34);
  backdrop-filter: blur(20px);
}
.header .nav-link            { color: rgba(37,64,54,0.86); }
.header .nav-link:hover      { color: #254036; background: rgba(37,64,54,0.07); }
.header.scrolled .nav-link   { color: rgba(255,255,255,0.92); }
.header.scrolled .nav-link:hover { color: var(--gold-light); background: rgba(255,255,255,0.07); }
.header .ham-bar             { background: #254036; }
.header.scrolled .ham-bar    { background: #fff; }
.nav-item--active > .nav-link { color: #254036 !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; }

.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: 6px 20px 6px 12px; border-radius: 50px; box-shadow: 0 2px 18px rgba(0,0,0,0.12); border: 1px solid rgba(255,255,255,0.5); transition: var(--tr); }
.logo:hover { background: #fff; transform: translateY(-1px); box-shadow: 0 4px 24px rgba(0,0,0,0.18); }
.logo-img { height: 50px; width: auto; object-fit: contain; display: block; }
.nav { display: flex; }
.nav-list { display: flex; align-items: center; gap: 0.25rem; }
.nav-item { position: relative; }
.nav-link { display: flex; align-items: center; gap: 4px; padding: 0.55rem 0.85rem; font-size: 0.875rem; font-weight: 500; border-radius: var(--r-sm); transition: var(--tr-f); white-space: nowrap; letter-spacing: 0.01em; }
.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% + 12px); left: 0; min-width: 280px; 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 0.22s, transform 0.22s, visibility 0.22s; 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 rgba(30,58,47,0.06); }
.dropdown-item:last-child { border-bottom: none; }
.dropdown-link { display: flex; align-items: center; justify-content: space-between; gap: 8px; padding: 0.85rem 1.1rem; font-size: 0.86rem; 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: 0.5; 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 rgba(30,58,47,0.06); }
.subdropdown li:last-child { border-bottom: none; }
.subdropdown-link { display: flex; align-items: center; padding: 0.8rem 1.1rem; font-size: 0.84rem; 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: 1.3rem; }
.subdropdown-link:hover::before { opacity: 1; }
.header-cta { flex-shrink: 0; display: inline-flex; align-items: center; padding: 0.55rem 1.25rem; background: var(--gold); color: var(--green); font-size: 0.875rem; font-weight: 700; border-radius: 50px; letter-spacing: 0.02em; transition: var(--tr-f); }
.header-cta:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(200,168,75,0.4); }
.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(37,64,54,0.08); }
.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 cubic-bezier(0.4,0,0.2,1), 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(20,44,35,0.99); backdrop-filter: blur(20px); transition: max-height 0.45s cubic-bezier(0.4,0,0.2,1), 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(255,255,255,0.88); 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(255,255,255,0.88); border-radius: var(--r-sm); transition: var(--tr-f); text-align: left; }
.mobile-sub-btn { font-size: 0.875rem; color: rgba(255,255,255,0.7); 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 cubic-bezier(0.4,0,0.2,1); }
.mobile-accordion-list.open { max-height: 600px; }
.mobile-sub-link { display: flex; align-items: center; gap: 8px; padding: 0.7rem 1rem 0.7rem 2.5rem; font-size: 0.85rem; font-weight: 400; color: rgba(255,255,255,0.6); 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
═══════════════════════════════════════════════════════════ */
.page-banner {
  position: relative;
  margin-top: var(--hh);
  height: 520px;
  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;
  transform-origin: center;
  animation: kenBurns 20s ease-in-out infinite alternate;
}
@keyframes kenBurns { from { transform: scale(1.04); } to { transform: scale(1.12); } }
.banner-overlay {
  position: absolute; inset: 0;
  background:
    linear-gradient(to right, rgba(30,58,47,0.85) 0%, rgba(37,64,54,0.55) 55%, rgba(25,50,38,0.40) 100%),
    linear-gradient(to top, rgba(20,40,30,0.70) 0%, transparent 50%);
}
.banner-particles { position: absolute; inset: 0; z-index: 1; pointer-events: none; overflow: hidden; }
.bp {
  position: absolute; font-family: 'DM Sans', sans-serif; font-weight: 900;
  color: var(--gold-light); opacity: 0.06; user-select: none;
  animation: bpFloat ease-in-out infinite;
}
.bp-1 { font-size: 5rem;  top: 8%;    right: 12%;  animation-duration: 14s; animation-delay: 0s; }
.bp-2 { font-size: 8rem;  top: 4%;    right: 5%;   animation-duration: 18s; animation-delay: 3s; }
.bp-3 { font-size: 4rem;  bottom:18%; right: 25%;  animation-duration: 11s; animation-delay: 5s; }
.bp-4 { font-size: 6rem;  top: 35%;   left: 4%;    animation-duration: 16s; animation-delay: 2s; }
.bp-5 { font-size: 3.5rem;bottom:10%; left: 15%;   animation-duration: 9s;  animation-delay: 4s; }
.bp-6 { font-size: 5rem;  top: 58%;   right: 40%;  animation-duration: 13s; animation-delay: 1s; }
@keyframes bpFloat { 0%,100% { transform: translateY(0) rotate(-3deg); } 50% { transform: translateY(-16px) rotate(4deg); } }

.banner-content {
  position: relative; z-index: 2;
  padding: 0 2rem; max-width: 680px;
  display: flex; flex-direction: column; gap: 1rem;
  animation: contentFadeUp 0.95s cubic-bezier(0.4,0,0.2,1) both;
}
@keyframes contentFadeUp { from { opacity: 0; transform: translateY(32px); } to { opacity: 1; transform: translateY(0); } }
.banner-breadcrumb { display: flex; align-items: center; gap: 6px; font-size: 0.79rem; font-weight: 500; color: rgba(255,255,255,0.55); letter-spacing: 0.04em; flex-wrap: wrap; }
.bc-link { color: var(--gold); transition: color 0.2s; }
.bc-link:hover { color: var(--gold-light); }
.bc-current { color: rgba(255,255,255,0.7); }
.banner-tag {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 0.32rem 0.9rem;
  background: rgba(200,168,75,0.15); border: 1px solid rgba(200,168,75,0.3);
  border-radius: 50px; color: var(--gold-light);
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  width: fit-content;
  animation: contentFadeUp 0.95s 0.1s cubic-bezier(0.4,0,0.2,1) both;
}
.banner-title {
  font-family: 'Libre Baskerville', serif;
  font-size: clamp(2.6rem, 6vw, 4.8rem);
  font-weight: 700; color: #fff; line-height: 1.08;
  letter-spacing: -0.01em;
  text-shadow: 0 4px 28px rgba(0,0,0,0.3);
  animation: contentFadeUp 0.95s 0.18s cubic-bezier(0.4,0,0.2,1) both;
}
.banner-title em { color: var(--gold); font-style: italic; }
.banner-bar {
  width: 60px; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 3px;
  animation: barExpand 0.8s 0.55s cubic-bezier(0.4,0,0.2,1) both;
  transform-origin: left;
}
@keyframes barExpand { from { transform: scaleX(0); } to { transform: scaleX(1); } }
.banner-stats {
  display: flex; align-items: center; gap: 1.5rem;
  padding-top: 0.5rem; flex-wrap: wrap;
  animation: contentFadeUp 0.95s 0.28s cubic-bezier(0.4,0,0.2,1) both;
}
.banner-stat { display: flex; flex-direction: column; gap: 2px; }
.bstat-val { font-family: 'Libre Baskerville', serif; font-size: 1.55rem; font-weight: 700; color: var(--gold); line-height: 1; letter-spacing: -0.02em; }
.bstat-lbl { font-size: 0.7rem; font-weight: 600; color: rgba(255,255,255,0.5); letter-spacing: 0.06em; text-transform: uppercase; }
.bstat-sep { width: 1px; height: 36px; background: rgba(255,255,255,0.15); flex-shrink: 0; }

.banner-scroll-hint {
  position: absolute; bottom: 28px; left: 50%;
  transform: translateX(-50%); z-index: 3;
}
.scroll-arrow {
  width: 24px; height: 24px;
  border-right: 2px solid rgba(255,255,255,0.4);
  border-bottom: 2px solid rgba(255,255,255,0.4);
  transform: rotate(45deg);
  animation: scrollBounce 1.8s ease-in-out infinite;
}
@keyframes scrollBounce { 0%,100% { transform: rotate(45deg) translateY(0); opacity: 0.5; } 50% { transform: rotate(45deg) translateY(6px); opacity: 1; } }

/* ═══════════════════════════════════════════════════════════
   MIS HERO / INTRO
═══════════════════════════════════════════════════════════ */
.mis-hero {
  position: relative;
  padding: 7rem 0 6rem;
  background: var(--cream);
  overflow: hidden;
}
.mis-hero-bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; overflow: hidden; }
.mhb-orb { position: absolute; border-radius: 50%; filter: blur(80px); }
.mhb-orb--1 { width: 500px; height: 500px; top: -180px; right: -160px; background: radial-gradient(ellipse, rgba(200,168,75,0.07) 0%, transparent 70%); animation: orbPulse 11s ease-in-out infinite; }
.mhb-orb--2 { width: 400px; height: 400px; bottom: -150px; left: -120px; background: radial-gradient(ellipse, rgba(37,64,54,0.08) 0%, transparent 70%); animation: orbPulse 15s ease-in-out infinite reverse; }
@keyframes orbPulse { 0%,100% { transform: scale(1); } 50% { transform: scale(1.1); } }
.mhb-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: 60px 60px; }
.mhb-sym { position: absolute; font-family: 'DM Sans', sans-serif; font-weight: 900; color: var(--green); opacity: 0.03; user-select: none; animation: symFloat ease-in-out infinite; }
.s1 { font-size: 7rem;  top: 5%;    left: 2%;   animation-duration: 17s; animation-delay: 0s; }
.s2 { font-size: 5rem;  top: 18%;   right: 3%;  animation-duration: 13s; animation-delay: 4s; }
.s3 { font-size: 4.5rem;bottom:16%; left: 10%;  animation-duration: 19s; animation-delay: 2s; }
.s4 { font-size: 3.5rem;bottom: 8%; right:14%;  animation-duration: 15s; animation-delay: 7s; }
.s5 { font-size: 6rem;  top: 48%;   left: 42%;  animation-duration: 21s; animation-delay: 1s; }
@keyframes symFloat { 0%,100% { transform: translateY(0px); } 50% { transform: translateY(-20px); } }

.mis-hero-container {
  position: relative; z-index: 2;
  max-width: 1240px; margin: 0 auto; padding: 0 2rem;
  display: grid; grid-template-columns: 1fr 1.1fr;
  gap: 5.5rem; align-items: center;
}

/* Image side */
.mis-img-side { position: relative; display: flex; align-items: center; justify-content: center; }
.mis-img-ring {
  position: absolute; border-radius: 50%; border-style: dashed;
  pointer-events: none; z-index: 0;
}
.mis-img-ring--outer {
  width: calc(100% + 48px); height: calc(100% + 48px);
  border: 1.5px dashed rgba(200,168,75,0.18);
  animation: ringRotate 28s linear infinite;
}
.mis-img-ring--inner {
  width: calc(100% + 18px); height: calc(100% + 18px);
  border: 1px dashed rgba(37,64,54,0.12);
  animation: ringRotate 18s linear infinite reverse;
}
@keyframes ringRotate { 0% { transform: rotate(0deg); } 100% { transform: rotate(360deg); } }
.mis-img-frame {
  position: relative; z-index: 1;
  border-radius: var(--r-lg); overflow: hidden;
  box-shadow: 0 32px 80px rgba(37,64,54,0.22), 0 0 0 1px rgba(37,64,54,0.06);
  transition: box-shadow 0.4s ease;
  width: 100%; max-width: 480px;
}
.mis-img-frame:hover { box-shadow: 0 44px 100px rgba(37,64,54,0.30); }
.mis-img {
  width: 100%; height: 560px; object-fit: cover; display: block;
  transition: transform 0.6s ease;
}
.mis-img-frame:hover .mis-img { transform: scale(1.04); }
.mis-img-vignette { position: absolute; inset: 0; background: linear-gradient(to bottom, transparent 60%, rgba(30,58,47,0.25) 100%); pointer-events: none; }

/* Floating badges */
.mis-float-badge {
  position: absolute; z-index: 3;
  background: var(--white); border-radius: var(--r-md);
  box-shadow: var(--sh-md); border: 1px solid var(--border);
}
.mis-float-badge--monthly {
  bottom: 28px; left: -24px;
  display: flex; align-items: center; gap: 10px;
  padding: 0.85rem 1.1rem;
  animation: badgeFloat 3.2s ease-in-out infinite;
}
.mfb-icon { width: 38px; height: 38px; border-radius: 10px; background: rgba(37,64,54,0.08); display: flex; align-items: center; justify-content: center; color: var(--green-hero); flex-shrink: 0; }
.mfb-text { display: flex; flex-direction: column; gap: 1px; }
.mfb-top { font-size: 0.65rem; font-weight: 600; color: var(--text-muted); letter-spacing: 0.06em; text-transform: uppercase; }
.mfb-val { font-family: 'Libre Baskerville', serif; font-size: 0.9rem; font-weight: 700; color: var(--text-dark); }

.mis-float-badge--rate {
  top: 22px; right: -20px;
  display: flex; flex-direction: column; align-items: center;
  padding: 1rem 1.2rem; gap: 1px;
  background: var(--green-hero);
  border-color: transparent;
  animation: badgeFloat 3.8s 0.6s ease-in-out infinite;
}
.mfb-rate-label { font-size: 0.6rem; font-weight: 600; color: rgba(255,255,255,0.55); letter-spacing: 0.06em; text-transform: uppercase; }
.mfb-rate-num { font-family: 'Libre Baskerville', serif; font-size: 2rem; font-weight: 700; color: var(--gold); line-height: 1; }
.mfb-rate-sub { font-size: 0.65rem; font-weight: 600; color: rgba(255,255,255,0.55); letter-spacing: 0.04em; }
@keyframes badgeFloat { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* Corner accents */
.mis-img-corner { position: absolute; width: 28px; height: 28px; z-index: 2; }
.mis-img-corner--tl { top: -4px; left: -4px; border-top: 3px solid var(--gold); border-left: 3px solid var(--gold); border-radius: 4px 0 0 0; }
.mis-img-corner--br { bottom: -4px; right: -4px; border-bottom: 3px solid var(--gold); border-right: 3px solid var(--gold); border-radius: 0 0 4px 0; }

/* Content side */
.mis-content-side { display: flex; flex-direction: column; gap: 1.4rem; }
.mis-eyebrow {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--green-lt);
}
.mis-eyebrow-line { flex: 1; height: 1px; background: linear-gradient(to right, transparent, var(--green-lt)); max-width: 40px; }

.mis-title {
  font-family: 'Libre Baskerville', serif;
  font-size: clamp(1.9rem, 3.2vw, 2.85rem);
  font-weight: 700; color: var(--text-dark);
  line-height: 1.18; letter-spacing: -0.01em;
}
.mis-title-em { color: var(--green-hero); font-style: italic; display: block; }

.mis-title-ornament { display: flex; align-items: center; gap: 8px; }
.mis-ornament-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--text-muted); flex-shrink: 0; }
.mis-ornament-dot--gold { background: var(--gold); }
.mis-ornament-line { flex: 1; height: 1.5px; background: linear-gradient(to right, var(--gold), transparent); max-width: 80px; }

.mis-body { font-size: 0.975rem; line-height: 1.84; color: var(--text-body); }

/* Senior citizen card */
.mis-senior-card {
  display: flex; align-items: flex-start; gap: 1rem;
  padding: 1.3rem 1.4rem;
  background: linear-gradient(135deg, rgba(37,64,54,0.04) 0%, rgba(200,168,75,0.04) 100%);
  border: 1.5px solid rgba(200,168,75,0.22);
  border-left: 4px solid var(--gold);
  border-radius: var(--r-md);
  transition: var(--tr);
}
.mis-senior-card:hover { border-color: rgba(200,168,75,0.4); box-shadow: var(--sh-sm); transform: translateX(4px); }
.mis-senior-icon { flex-shrink: 0; width: 40px; height: 40px; border-radius: 10px; background: rgba(200,168,75,0.12); border: 1px solid rgba(200,168,75,0.22); display: flex; align-items: center; justify-content: center; color: #8a6820; margin-top: 2px; }
.mis-senior-text { display: flex; flex-direction: column; gap: 5px; }
.mis-senior-badge { display: inline-block; font-size: 0.65rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: #8a6820; background: rgba(200,168,75,0.12); padding: 0.2rem 0.6rem; border-radius: 50px; width: fit-content; }
.mis-senior-desc { font-size: 0.875rem; line-height: 1.65; color: var(--text-body); }
.mis-senior-desc strong { color: var(--green-hero); font-weight: 700; }
.mis-senior-note { font-size: 0.72rem; color: var(--text-muted); font-style: italic; }

/* Feature pills */
.mis-features { display: flex; flex-direction: column; gap: 0.55rem; }
.mis-feature {
  display: flex; align-items: center; gap: 9px;
  font-size: 0.875rem; font-weight: 600; color: var(--text-body);
  padding: 0.55rem 0;
  border-bottom: 1px solid rgba(37,64,54,0.07);
}
.mis-features .mis-feature:last-child { border-bottom: none; }
.mis-feature svg { color: var(--green-hero); flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════════
   INTEREST TABLE SECTION
═══════════════════════════════════════════════════════════ */
.mis-table-section {
  position: relative;
  padding: 7rem 0 6rem;
  background: var(--green);
  overflow: hidden;
}
.mis-table-bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; overflow: hidden; }
.mtb-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: 60px 60px; }
.mtb-orb { position: absolute; border-radius: 50%; filter: blur(80px); }
.mtb-orb--1 { width: 600px; height: 600px; top: -240px; right: -180px; background: radial-gradient(ellipse, rgba(200,168,75,0.09) 0%, transparent 70%); animation: orbPulse 11s ease-in-out infinite; }
.mtb-orb--2 { width: 450px; height: 450px; bottom: -170px; left: -130px; background: radial-gradient(ellipse, rgba(58,122,90,0.18) 0%, transparent 70%); animation: orbPulse 15s ease-in-out infinite reverse; }
.mtb-sym { position: absolute; font-family: 'DM Sans', sans-serif; font-weight: 900; color: var(--gold); opacity: 0.045; user-select: none; animation: symFloat ease-in-out infinite; }
.ms1 { font-size: 7rem; top: 6%;    left: 3%;   animation-duration: 15s; animation-delay: 0s; }
.ms2 { font-size: 5rem; top: 22%;   right: 4%;  animation-duration: 19s; animation-delay: 3s; }
.ms3 { font-size: 4rem; bottom:10%; left: 32%;  animation-duration: 13s; animation-delay: 6s; }

.mis-table-container { position: relative; z-index: 2; max-width: 1240px; margin: 0 auto; padding: 0 2rem; }

/* Section headings shared */
.mis-section-eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: 0.74rem; font-weight: 700; letter-spacing: 0.13em; text-transform: uppercase; color: var(--gold); }
.mis-section-eyebrow::before, .mis-section-eyebrow::after { content: ''; width: 28px; height: 1.5px; background: var(--gold); opacity: 0.55; border-radius: 2px; }
.mis-section-title { font-family: 'Libre Baskerville', serif; font-size: clamp(1.85rem, 3.2vw, 2.8rem); font-weight: 700; color: #fff; line-height: 1.15; letter-spacing: -0.01em; margin: 0.75rem 0 0.5rem; }
.mis-section-accent { color: var(--gold); font-style: italic; }
.mis-section-sub { font-size: 0.9rem; color: rgba(255,255,255,0.45); margin-bottom: 0.75rem; }
.mis-section-bar { width: 52px; height: 4px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); border-radius: 4px; margin-bottom: 3.5rem; }

.mis-table-header { text-align: center; }
.mis-table-header .mis-section-bar { margin-left: auto; margin-right: auto; }

/* ─── Rate Cards ─────────────────────────────────────────── */
.mis-table-cards {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem; margin-bottom: 3.5rem;
}

.mis-rate-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-lg);
  padding: 2rem 1.8rem 1.8rem;
  display: flex; flex-direction: column; gap: 0;
  position: relative; overflow: hidden;
  transition: transform 0.38s cubic-bezier(0.34,1.56,0.64,1), box-shadow 0.38s ease, border-color 0.3s;
  opacity: 0; transform: translateY(30px);
}
.mis-rate-card.revealed { opacity: 1; transform: translateY(0); }
.mis-rate-card:hover { transform: translateY(-10px); box-shadow: 0 20px 50px rgba(0,0,0,0.25); border-color: rgba(200,168,75,0.3); }

.mis-rate-card--featured {
  background: rgba(200,168,75,0.10);
  border-color: rgba(200,168,75,0.30);
  transform: translateY(-10px);
}
.mis-rate-card--featured.revealed { transform: translateY(-10px); }
.mis-rate-card--featured:hover { transform: translateY(-18px); border-color: rgba(200,168,75,0.55); box-shadow: 0 28px 60px rgba(0,0,0,0.30); }

.mis-rate-card-featured-label {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 0.28rem 0.8rem;
  background: var(--gold); color: var(--green);
  border-radius: 50px; font-size: 0.66rem; font-weight: 800;
  letter-spacing: 0.07em; text-transform: uppercase;
  width: fit-content; margin-bottom: 1rem;
}

.mis-rate-card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.4rem; }
.mis-rate-circle {
  width: 64px; height: 64px; border-radius: 50%;
  background: rgba(255,255,255,0.08);
  border: 2px solid rgba(255,255,255,0.15);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 1px; flex-shrink: 0;
}
.mis-rate-circle--premium {
  background: rgba(200,168,75,0.12);
  border-color: rgba(200,168,75,0.3);
}
.mrc-num { font-family: 'Libre Baskerville', serif; font-size: 1.4rem; font-weight: 700; color: #fff; line-height: 1; }
.mis-rate-circle--premium .mrc-num { color: var(--gold); }
.mrc-label { font-size: 0.58rem; font-weight: 600; color: rgba(255,255,255,0.45); letter-spacing: 0.06em; text-transform: uppercase; }

.mis-rate-badge {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 0.35rem 1rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50px;
  font-family: 'Libre Baskerville', serif;
  font-size: 1rem; font-weight: 700; color: rgba(255,255,255,0.8);
}
.mis-rate-badge--gold { background: rgba(200,168,75,0.15); border-color: rgba(200,168,75,0.35); color: var(--gold-light); }
.mis-rate-badge--green { background: rgba(58,122,90,0.25); border-color: rgba(58,122,90,0.4); color: #7dcba0; }

.mis-rate-divider { height: 1px; background: rgba(255,255,255,0.08); margin-bottom: 1.3rem; }
.mis-rate-card--featured .mis-rate-divider { background: rgba(200,168,75,0.22); }

.mis-rate-rows { display: flex; flex-direction: column; gap: 0.65rem; flex: 1; }
.mis-rate-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 0.8rem 1rem;
  background: rgba(255,255,255,0.04); border-radius: 10px;
  gap: 0.5rem; flex-wrap: wrap;
}
.mis-rate-row--highlight { background: rgba(255,255,255,0.07); }
.mis-rate-card--featured .mis-rate-row { background: rgba(255,255,255,0.06); }
.mis-rate-card--featured .mis-rate-row--highlight { background: rgba(255,255,255,0.10); }

.mrr-invest { font-size: 0.78rem; font-weight: 500; color: rgba(255,255,255,0.55); white-space: nowrap; }
.mrr-return { display: flex; align-items: baseline; gap: 3px; flex-shrink: 0; }
.mrr-num { font-family: 'Libre Baskerville', serif; font-size: 1.15rem; font-weight: 700; color: #fff; }
.mis-rate-card--featured .mrr-num { color: var(--gold-light); }
.mrr-unit { font-size: 0.65rem; font-weight: 600; color: rgba(255,255,255,0.4); letter-spacing: 0.04em; }

.mis-rate-card-best {
  margin-top: 1rem;
  text-align: center;
  font-size: 0.68rem; font-weight: 800;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: #7dcba0; padding: 0.4rem 0;
  border-top: 1px solid rgba(58,122,90,0.25);
}

/* ─── Traditional table ─────────────────────────────────── */
.mis-traditional-table-wrap {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.mis-traditional-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.mis-traditional-table { width: 100%; border-collapse: collapse; min-width: 560px; }
.mtt-th {
  padding: 1.1rem 1.5rem;
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  background: rgba(255,255,255,0.03);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  text-align: center;
}
.mtt-th--term { text-align: left; }
.mtt-tr { transition: background 0.2s; }
.mtt-tr:hover { background: rgba(255,255,255,0.04); }
.mtt-tr--alt { background: rgba(255,255,255,0.02); }
.mtt-tr--alt:hover { background: rgba(255,255,255,0.05); }
.mtt-tr--featured td { background: rgba(200,168,75,0.07); border-top: 1px solid rgba(200,168,75,0.18); border-bottom: 1px solid rgba(200,168,75,0.18); }
.mtt-tr--featured:hover td { background: rgba(200,168,75,0.12); }
.mtt-td { padding: 1.1rem 1.5rem; border-bottom: 1px solid rgba(255,255,255,0.04); color: rgba(255,255,255,0.65); font-size: 0.9rem; text-align: center; vertical-align: middle; }
.mtt-tr:last-child .mtt-td { border-bottom: none; }
.mtt-td--term { text-align: left; }
.mtt-dur { display: block; font-family: 'Libre Baskerville', serif; font-size: 1rem; font-weight: 700; color: #fff; margin-bottom: 4px; }
.mtt-rate-pill { display: inline-block; padding: 0.2rem 0.65rem; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12); border-radius: 50px; font-size: 0.72rem; font-weight: 700; color: rgba(255,255,255,0.6); }
.mtt-rate-pill--gold { background: rgba(200,168,75,0.15); border-color: rgba(200,168,75,0.3); color: var(--gold-light); }
.mtt-amount { font-family: 'Libre Baskerville', serif; font-size: 1.1rem; font-weight: 700; color: #fff; }
.mtt-amount--gold { color: var(--gold-light); }
.mtt-pm { font-size: 0.72rem; color: rgba(255,255,255,0.35); margin-left: 4px; }
.mtt-note { padding: 0.85rem 1.5rem; font-size: 0.75rem; color: rgba(255,255,255,0.28); font-style: italic; border-top: 1px solid rgba(255,255,255,0.05); background: rgba(255,255,255,0.02); }

/* ═══════════════════════════════════════════════════════════
   BEST MIS SECTION
═══════════════════════════════════════════════════════════ */
.mis-best-section {
  position: relative;
  padding: 7rem 0 6rem;
  background: var(--warm-gray);
  overflow: hidden;
}
.mis-best-bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; overflow: hidden; }
.mbb-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: 60px 60px; }
.mbb-sym { position: absolute; font-family: 'DM Sans', sans-serif; font-weight: 900; color: var(--green); opacity: 0.03; user-select: none; animation: symFloat ease-in-out infinite; }
.b1 { font-size: 7rem;  top: 4%;    left: 2%;   animation-duration: 16s; }
.b2 { font-size: 5rem;  bottom: 8%; right: 4%;  animation-duration: 12s; animation-delay: 3s; }
.b3 { font-size: 4rem;  top: 40%;   right: 18%; animation-duration: 18s; animation-delay: 1s; }
.b4 { font-size: 6rem;  bottom:20%; left: 38%;  animation-duration: 14s; animation-delay: 5s; }

.mis-best-container { position: relative; z-index: 2; max-width: 1240px; margin: 0 auto; padding: 0 2rem; }
.mis-best-label { text-align: center; margin-bottom: 1.5rem; }
.mis-best-tag {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 0.38rem 1.1rem;
  background: rgba(37,64,54,0.07); border: 1px solid rgba(37,64,54,0.14);
  border-radius: 50px; color: var(--green-hero);
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase;
}
.mis-best-tag svg { color: var(--gold); }

.mis-best-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 5rem; align-items: center; margin-bottom: 3rem;
}

.mis-best-title {
  font-family: 'Libre Baskerville', serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700; color: var(--text-dark);
  line-height: 1.2; letter-spacing: -0.01em; margin-bottom: 0.5rem;
}
.mis-best-accent { color: var(--green-hero); font-style: italic; }
.mis-best-title-bar { width: 48px; height: 4px; background: linear-gradient(90deg, var(--green-hero), var(--gold)); border-radius: 4px; margin-bottom: 1.5rem; }

.mis-best-body { font-size: 0.965rem; line-height: 1.85; color: var(--text-body); margin-bottom: 1rem; }
.mis-best-body strong { color: var(--green-hero); font-weight: 700; }
.mis-best-body--highlight {
  display: flex; align-items: flex-start; gap: 9px;
  padding: 1rem 1.2rem;
  background: rgba(200,168,75,0.07);
  border: 1px solid rgba(200,168,75,0.22);
  border-radius: var(--r-md); margin-bottom: 0;
  font-size: 0.9rem; color: var(--text-body);
}
.mis-best-body--highlight svg { color: var(--gold); flex-shrink: 0; margin-top: 3px; }
.mis-best-body--highlight strong { color: #8a6820; }

/* Stats */
.mis-best-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.mis-bstat {
  display: flex; flex-direction: column; align-items: center; gap: 0.4rem;
  padding: 1.75rem 1rem;
  background: var(--white); border: 1.5px solid rgba(37,64,54,0.09);
  border-radius: var(--r-lg); box-shadow: var(--sh-sm);
  transition: transform 0.3s cubic-bezier(0.34,1.56,0.64,1), box-shadow 0.3s, border-color 0.3s;
  text-align: center;
}
.mis-bstat:hover { transform: translateY(-6px); box-shadow: var(--sh-md); border-color: rgba(37,64,54,0.18); }
.mis-bstat--gold { border-color: rgba(200,168,75,0.22); }
.mis-bstat--gold:hover { border-color: rgba(200,168,75,0.4); }

.mis-bstat-icon {
  width: 48px; height: 48px; border-radius: 14px;
  background: rgba(37,64,54,0.07); border: 1px solid rgba(37,64,54,0.12);
  display: flex; align-items: center; justify-content: center;
  color: var(--green-hero); margin-bottom: 0.2rem;
  transition: transform 0.25s, background 0.25s;
}
.mis-bstat:hover .mis-bstat-icon { transform: scale(1.1); background: rgba(37,64,54,0.12); }
.mis-bstat--gold .mis-bstat-icon { background: rgba(200,168,75,0.10); border-color: rgba(200,168,75,0.2); color: #8a6820; }
.mis-bstat--gold:hover .mis-bstat-icon { background: rgba(200,168,75,0.18); }

.mis-bstat-val { font-family: 'Libre Baskerville', serif; font-size: 1.4rem; font-weight: 700; color: var(--text-dark); line-height: 1; letter-spacing: -0.01em; }
.mis-bstat-label { font-size: 0.72rem; font-weight: 600; color: var(--text-muted); letter-spacing: 0.05em; text-align: center; }

/* Disclaimer */
.mis-disclaimer {
  display: flex; align-items: flex-start; gap: 1rem;
  padding: 1.4rem 1.8rem;
  background: var(--white);
  border: 1.5px solid rgba(37,64,54,0.09);
  border-left: 4px solid var(--green-hero);
  border-radius: var(--r-md);
  box-shadow: var(--sh-sm);
}
.mis-disclaimer-icon { flex-shrink: 0; width: 36px; height: 36px; border-radius: 10px; background: rgba(37,64,54,0.07); display: flex; align-items: center; justify-content: center; color: var(--green-hero); margin-top: 1px; }
.mis-disclaimer-text { font-size: 0.855rem; line-height: 1.7; color: var(--text-muted); }
.mis-disclaimer-text strong { color: var(--green-hero); font-weight: 700; }

/* ═══════════════════════════════════════════════════════════
   FOOTER (identical to fixed.css 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: 'DM Sans', sans-serif; font-weight: 900; color: var(--gold); opacity: 0.04; user-select: none; animation: symFloat 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(0,0,0,0.18); }
.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(255,255,255,0.32); 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(255,255,255,0.38); 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(255,255,255,0.16); flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════ */
@media (max-width: 1080px) {
  .mis-hero-container { gap: 3.5rem; }
  .mis-best-grid { gap: 3rem; }
  .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: 380px; }
  .banner-title { font-size: clamp(2.2rem, 7vw, 3.5rem); }
  .banner-stats { gap: 1rem; }

  .mis-hero-container { grid-template-columns: 1fr; gap: 3.5rem; }
  .mis-img-side { max-width: 440px; margin: 0 auto; width: 100%; }
  .mis-img { height: 380px; }
  .mis-float-badge--monthly { left: 10px; bottom: 14px; }
  .mis-float-badge--rate { right: 10px; top: 14px; }

  .mis-table-cards { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto 3rem; }
  .mis-rate-card--featured { transform: none; }
  .mis-rate-card--featured.revealed { transform: none; }
  .mis-rate-card--featured:hover { transform: translateY(-10px); }

  .mis-best-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .mis-best-stats { grid-template-columns: repeat(4, 1fr); }

  .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: 300px; }
  .banner-title { font-size: clamp(2rem, 9vw, 2.8rem); }
  .banner-stats { gap: 0.75rem; }
  .bstat-val { font-size: 1.25rem; }

  .mis-hero { padding: 5rem 0 4rem; }
  .mis-hero-container { padding: 0 1.25rem; }
  .mis-img { height: 300px; }
  .mis-img-ring--outer, .mis-img-ring--inner { display: none; }

  .mis-table-section { padding: 5rem 0; }
  .mis-table-container { padding: 0 1.25rem; }
  .mis-table-cards { max-width: 100%; }

  .mis-best-section { padding: 5rem 0; }
  .mis-best-container { padding: 0 1.25rem; }
  .mis-best-stats { grid-template-columns: repeat(2, 1fr); }

  .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: 250px; }
  .banner-title { font-size: 1.9rem; }
  .mis-img { height: 250px; }
  .mis-float-badge--rate, .mis-float-badge--monthly { display: none; }
  .mis-img-corner { display: none; }
  .mis-best-stats { grid-template-columns: 1fr 1fr; }
  .footer-bottom-sep { display: none; }
}