/* ============================================================
   ADITI & ANSHIKA MICROFINANCE PVT. LTD.
   Brand layer - loads AFTER style.css and custom-override.css
   Palette: deep emerald + marigold gold
   ============================================================ */

/* ---------- 1. BRAND PALETTE (re-points the template variables) ---------- */
:root {
  --ve-dark:   #0a3b2e;
  --ve-dark2:  #0f4a39;
  --ve-navy:   #14624b;
  --ve-gold:   #e0a526;
  --ve-gold2:  #f2c15c;
  --ve-light:  #f4f8f6;
  --ve-border: #dfe8e4;
  --ve-text:   #4a5a55;

  --aa-emerald: #0a3b2e;
  --aa-gold:    #e0a526;
  --aa-cream:   #fdf8ec;
  --aa-ink:     #16211d;
  --aa-muted:   #6b7d77;
  --aa-line:    #e3ebe7;
  --aa-ok:      #13795b;
  --aa-err:     #c0392b;
  --aa-topbar-h: 38px;
  --aa-header-h: 72px;
}

body { -webkit-font-smoothing: antialiased; }
a { transition: all .25s ease; }
img { max-width: 100%; height: auto; }

/* Safety net: nothing may stretch the document sideways on a phone.
   Wide content (tables, the trust marquee) scrolls inside its own box. */
html, body { max-width: 100%; overflow-x: hidden; }

/* ---------- 2. TOP UTILITY BAR ---------- */
.aa-topbar {
  position: fixed; top: 0; left: 0; right: 0;
  height: var(--aa-topbar-h);
  z-index: 10000;
  background: #06281f;
  border-bottom: 1px solid rgba(255,255,255,.07);
  font-size: 13px;
  transition: transform .35s ease;
  overflow: hidden;
}
.aa-topbar-inner {
  max-width: 100%; height: 100%;
  padding: 0 40px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px;
}
.aa-topbar-left, .aa-topbar-right { display: flex; align-items: center; gap: 22px; min-width: 0; }
.aa-topbar span, .aa-topbar a { color: rgba(255,255,255,.72); text-decoration: none; white-space: nowrap; }
.aa-topbar a:hover { color: var(--aa-gold); }
.aa-topbar i { color: var(--aa-gold); margin-right: 6px; }

/* Header sits below the utility bar, then slides up on scroll */
.ve-header.aa-header { top: var(--aa-topbar-h); }
body.aa-scrolled .aa-topbar { transform: translateY(-100%); }
body.aa-scrolled .ve-header.aa-header { top: 0; }

/* ---------- 3. LOGO (two-line lockup) ---------- */
.aa-logo .ve-logo-icon {
  width: 42px; height: 42px; font-size: 21px;
  background: linear-gradient(140deg, var(--aa-gold), #c98c15);
  color: #0a3b2e; box-shadow: 0 3px 12px rgba(224,165,38,.3);
  flex: 0 0 42px;
}
.aa-logo .ve-logo-text {
  display: flex; flex-direction: column; line-height: 1.15; font-size: 17px;
}
.aa-logo .ve-logo-text small {
  font-family: 'DM Sans', sans-serif;
  font-size: 10.5px; letter-spacing: 1.4px; text-transform: uppercase;
  color: rgba(255,255,255,.55); font-weight: 500; margin-top: 3px;
}
.ve-nav-cta .ve-cta-btn { white-space: nowrap; }
.aa-mm-cta {
  background: var(--aa-gold) !important; color: #0a3b2e !important;
  border-radius: 8px; font-weight: 700; text-align: center; margin-top: 10px;
}

/* ---------- 4. OFFSETS for the taller fixed stack ---------- */
.ve-hero { padding-top: calc(var(--aa-topbar-h) + var(--aa-header-h)); }
.ve-page-hero { padding: 190px 0 90px; }

/* ---------- 5. HOME HERO refinements ---------- */
.ve-hero { background: linear-gradient(150deg, #0a3b2e 0%, #06281f 55%, #0a3b2e 100%); }
.ve-hero-left::before {
  content: ''; position: absolute; left: -140px; top: -120px;
  width: 380px; height: 380px; border-radius: 50%;
  background: radial-gradient(circle, rgba(224,165,38,.14), transparent 68%);
  pointer-events: none;
}
.ve-hero-badge i { margin-right: 7px; }
.aa-hero-points {
  list-style: none; margin: 26px 0 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 10px 26px;
}
.aa-hero-points li { color: rgba(255,255,255,.82); font-size: 14.5px; }
.aa-hero-points i { color: var(--aa-gold); margin-right: 8px; }
.ve-hero-left .ve-hero-stats { margin-top: 40px; padding-top: 34px; border-top: 1px solid rgba(255,255,255,.12); }

/* ---------- 6. SECTION HEADINGS ---------- */
.ve-section-tag { color: var(--aa-gold); }
.ve-section-header h2, .ve-whyus-content h2 { letter-spacing: -.5px; }

/* ---------- 7. TRUST BAR ---------- */
.ve-trust-bar { background: linear-gradient(90deg, var(--aa-gold), #f2c15c); }
.ve-trust-bar span { color: #0a3b2e; font-weight: 600; }

/* ---------- 8. LOAN PRODUCT CARDS ---------- */
.aa-loan-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.aa-loan-card {
  background: #fff; border: 1px solid var(--aa-line); border-radius: 16px;
  padding: 34px 30px; position: relative; overflow: hidden;
  transition: all .3s ease; display: flex; flex-direction: column;
}
.aa-loan-card::after {
  content: ''; position: absolute; inset: 0 0 auto 0; height: 4px;
  background: linear-gradient(90deg, var(--aa-gold), #f2c15c);
  transform: scaleX(0); transform-origin: left; transition: transform .35s ease;
}
.aa-loan-card:hover { transform: translateY(-8px); box-shadow: 0 18px 44px rgba(10,59,46,.13); border-color: transparent; }
.aa-loan-card:hover::after { transform: scaleX(1); }
.aa-loan-card .ve-service-icon { margin-bottom: 20px; }
.aa-loan-card h4 { font-size: 19px; margin-bottom: 12px; line-height: 1.35; }
.aa-loan-card p { font-size: 14.5px; line-height: 1.75; margin-bottom: 20px; }
.aa-loan-meta {
  list-style: none; margin: 0 0 22px; padding: 18px 0 0;
  border-top: 1px dashed var(--aa-line);
}
.aa-loan-meta li {
  display: flex; justify-content: space-between; gap: 14px;
  font-size: 13.5px; padding: 5px 0; color: var(--aa-muted);
}
.aa-loan-meta li strong { color: var(--aa-emerald); font-weight: 700; text-align: right; }
.aa-loan-card .ve-card-link { margin-top: auto; }

/* ---------- 9. LOAN DETAIL ROWS (loans.php) ---------- */
.aa-detail {
  background: #fff; border: 1px solid var(--aa-line); border-radius: 18px;
  padding: 40px; margin-bottom: 34px; scroll-margin-top: 130px;
}
.aa-detail-head { display: flex; align-items: flex-start; gap: 22px; margin-bottom: 8px; }
.aa-detail-head .ve-service-icon { flex: 0 0 60px; margin-bottom: 0; }
.aa-detail-head h3 { font-size: 24px; margin: 0 0 8px; }
.aa-detail-head p { margin: 0; font-size: 15px; line-height: 1.8; }
.aa-detail-facts {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
  margin: 28px 0;
}
.aa-fact {
  background: var(--aa-cream); border-radius: 12px; padding: 18px 20px;
  border-left: 3px solid var(--aa-gold);
}
.aa-fact span { display: block; font-size: 12px; letter-spacing: 1px; text-transform: uppercase; color: var(--aa-muted); margin-bottom: 6px; }
.aa-fact strong { font-family: 'Nunito', sans-serif; font-size: 17px; color: var(--aa-emerald); }
.aa-detail-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }
.aa-list-title {
  font-family: 'Nunito', sans-serif; font-weight: 800; font-size: 15px;
  color: var(--aa-emerald); margin-bottom: 12px;
  display: flex; align-items: center; gap: 9px;
}
.aa-list-title i { color: var(--aa-gold); }
.aa-ticklist { list-style: none; margin: 0; padding: 0; }
.aa-ticklist li {
  position: relative; padding: 6px 0 6px 26px; font-size: 14.5px; color: var(--ve-text);
}
.aa-ticklist li::before {
  content: '\f00c'; font-family: FontAwesome; position: absolute; left: 0; top: 6px;
  color: var(--aa-gold); font-size: 12px;
}
.aa-detail-actions { margin-top: 30px; padding-top: 26px; border-top: 1px solid var(--aa-line); display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* ---------- 10. EMI CALCULATOR ---------- */
.aa-calc-section { background: var(--aa-cream); }
.aa-calc {
  display: grid; grid-template-columns: 1.15fr .85fr;
  background: #fff; border-radius: 20px; overflow: hidden;
  box-shadow: 0 14px 50px rgba(10,59,46,.10); border: 1px solid var(--aa-line);
}
.aa-calc-inputs { padding: 44px 46px; }
.aa-calc-field { margin-bottom: 30px; }
.aa-calc-label { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 12px; gap: 12px; }
.aa-calc-label span { font-size: 14px; font-weight: 600; color: var(--aa-emerald); }
.aa-calc-out {
  font-style: normal;
  font-family: 'Nunito', sans-serif; font-weight: 800; font-size: 19px;
  color: var(--aa-emerald); background: var(--aa-cream);
  padding: 5px 14px; border-radius: 8px; border: 1px solid #f0e2c0;
  white-space: nowrap;
}
.aa-range {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px;
  border-radius: 99px; background: #e6ede9; outline: none; cursor: pointer;
}
.aa-range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--aa-gold); border: 4px solid #fff;
  box-shadow: 0 2px 10px rgba(10,59,46,.28); cursor: pointer;
}
.aa-range::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--aa-gold); border: 4px solid #fff;
  box-shadow: 0 2px 10px rgba(10,59,46,.28); cursor: pointer;
}
.aa-range-ends { display: flex; justify-content: space-between; margin-top: 8px; font-size: 12px; color: var(--aa-muted); }

.aa-calc-result {
  background: linear-gradient(160deg, #0a3b2e, #06281f);
  padding: 44px 40px; color: #fff;
  display: flex; flex-direction: column; justify-content: center;
}
.aa-calc-result h5 { color: rgba(255,255,255,.6); font-size: 12.5px; letter-spacing: 1.6px; text-transform: uppercase; margin-bottom: 10px; }
.aa-emi-big {
  font-family: 'Nunito', sans-serif; font-weight: 900; font-size: 44px;
  color: var(--aa-gold); line-height: 1.05; margin-bottom: 4px;
}
.aa-emi-note { font-size: 13px; color: rgba(255,255,255,.55); margin-bottom: 28px; }
.aa-calc-breakup { list-style: none; margin: 0 0 28px; padding: 0; }
.aa-calc-breakup li {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.1); font-size: 14px;
  color: rgba(255,255,255,.7);
}
.aa-calc-breakup li strong { color: #fff; font-family: 'Nunito', sans-serif; font-size: 16px; }
.aa-calc-result .ve-btn-primary { text-align: center; }
.aa-calc-disclaimer { font-size: 12.5px; color: var(--aa-muted); margin-top: 20px; text-align: center; }

/* Amortisation table */
.aa-table-wrap { overflow-x: auto; border: 1px solid var(--aa-line); border-radius: 14px; background: #fff; }
.aa-table { width: 100%; border-collapse: collapse; min-width: 620px; }
.aa-table thead th {
  background: var(--aa-emerald); color: #fff; font-family: 'Nunito', sans-serif;
  font-size: 13px; font-weight: 700; text-align: left; padding: 15px 18px; white-space: nowrap;
}
.aa-table tbody td { padding: 13px 18px; font-size: 14px; border-top: 1px solid var(--aa-line); color: var(--ve-text); }
.aa-table tbody tr:nth-child(even) { background: #fafcfb; }
.aa-table tbody tr:hover { background: var(--aa-cream); }
.aa-table td:first-child { font-weight: 600; color: var(--aa-emerald); }

/* ---------- 11. PROCESS STEPS ---------- */
.aa-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.aa-step {
  background: #fff; border: 1px solid var(--aa-line); border-radius: 16px;
  padding: 34px 26px; text-align: center; position: relative; transition: all .3s ease;
}
.aa-step:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(10,59,46,.11); }
.aa-step-num {
  width: 52px; height: 52px; margin: 0 auto 20px; border-radius: 50%;
  background: linear-gradient(140deg, var(--aa-emerald), var(--ve-navy));
  color: var(--aa-gold); display: flex; align-items: center; justify-content: center;
  font-family: 'Nunito', sans-serif; font-weight: 900; font-size: 20px;
}
.aa-step h5 { font-size: 17px; margin-bottom: 10px; }
.aa-step p { font-size: 14px; line-height: 1.7; margin: 0; }

/* ---------- 12. COMMITMENT STRIP (replaces vanity counters) ---------- */
.aa-commit-section { background: linear-gradient(160deg, #0a3b2e, #06281f); padding: 76px 0; }
.aa-commit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.aa-commit {
  text-align: center; padding: 22px 24px;
  border-right: 1px solid rgba(255,255,255,.12);
}
.aa-commit:last-child { border-right: none; }
.aa-commit i { font-size: 26px; color: var(--aa-gold); margin-bottom: 14px; display: block; }
.aa-commit strong {
  display: block; font-family: 'Nunito', sans-serif; font-weight: 900;
  font-size: 27px; color: #fff; margin-bottom: 6px;
}
.aa-commit span { font-size: 13.5px; color: rgba(255,255,255,.62); }

/* ---------- 13. PROMISE / VALUE CARDS ---------- */
.aa-promise-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.aa-promise {
  background: #fff; border-radius: 16px; padding: 34px 30px;
  border: 1px solid var(--aa-line); transition: all .3s ease;
}
.aa-promise:hover { border-color: var(--aa-gold); box-shadow: 0 14px 36px rgba(10,59,46,.10); }
.aa-promise i {
  font-size: 24px; color: var(--aa-gold); background: var(--aa-cream);
  width: 56px; height: 56px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.aa-promise h5 { font-size: 18px; margin-bottom: 11px; }
.aa-promise p { font-size: 14.5px; line-height: 1.8; margin: 0; }

/* ---------- 14. FORMS ---------- */
.ve-form-group label { font-size: 13.5px; font-weight: 600; color: var(--aa-emerald); margin-bottom: 8px; }
/* Bottom-align labels so inputs line up even when a label wraps to two lines */
.ve-contact-form .ve-form-group > label {
  display: flex; flex-wrap: wrap; align-items: flex-end; gap: 0 5px;
  min-height: 38px; line-height: 1.35;
}
.ve-form-group label .aa-req { color: var(--aa-err); }
.ve-contact-form input, .ve-contact-form select, .ve-contact-form textarea {
  border: 1px solid var(--aa-line); border-radius: 9px; padding: 13px 16px;
  font-size: 14.5px; font-family: 'DM Sans', sans-serif; color: var(--aa-ink);
  background: #fff; width: 100%; transition: all .25s ease;
}
.ve-contact-form input:focus, .ve-contact-form select:focus, .ve-contact-form textarea:focus {
  outline: none; border-color: var(--aa-gold); box-shadow: 0 0 0 3px rgba(224,165,38,.15);
}
.ve-contact-form .aa-invalid input, .ve-contact-form .aa-invalid select, .ve-contact-form .aa-invalid textarea { border-color: var(--aa-err); }
.aa-field-err { color: var(--aa-err); font-size: 12.5px; margin-top: 6px; }
.aa-help { font-size: 12.5px; color: var(--aa-muted); margin-top: 6px; }
.aa-form-row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.aa-hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }
.aa-consent {
  display: flex; gap: 12px; align-items: flex-start;
  background: var(--aa-cream); border: 1px solid #f0e2c0; border-radius: 10px;
  padding: 16px 18px; margin: 6px 0 24px; font-size: 13.5px; line-height: 1.65;
}
.aa-consent input { width: 18px; height: 18px; flex: 0 0 18px; margin-top: 2px; accent-color: var(--aa-emerald); }
.aa-consent label { margin: 0; font-weight: 400; color: var(--ve-text); font-size: 13.5px; }

/* Alerts */
.aa-alert {
  border-radius: 12px; padding: 20px 24px; margin-bottom: 30px;
  display: flex; gap: 15px; align-items: flex-start; font-size: 14.5px; line-height: 1.7;
}
.aa-alert i { font-size: 20px; margin-top: 2px; }
.aa-alert h5 { margin: 0 0 6px; font-size: 17px; }
.aa-alert p { margin: 0; }
.aa-alert-ok { background: #eaf6f1; border: 1px solid #bfe3d5; color: #14503f; }
.aa-alert-ok i, .aa-alert-ok h5 { color: var(--aa-ok); }
.aa-alert-err { background: #fdeeec; border: 1px solid #f5cfca; color: #8d2b20; }
.aa-alert-err i, .aa-alert-err h5 { color: var(--aa-err); }
.aa-alert ul { margin: 8px 0 0; padding-left: 20px; }
.aa-alert-ref {
  display: inline-block; background: #fff; border: 1px dashed var(--aa-ok);
  border-radius: 8px; padding: 6px 14px; margin-top: 12px;
  font-family: 'Nunito', sans-serif; font-weight: 800; color: var(--aa-ok); letter-spacing: 1px;
}

/* ---------- 15. FAQ ---------- */
.ve-faq-q { font-size: 16px; }
.ve-faq-item.open .ve-faq-q { color: var(--aa-emerald); }

/* ---------- 16. LEGAL / TEXT PAGES ---------- */
.aa-legal {
  background: #fff; border: 1px solid var(--aa-line); border-radius: 18px;
  padding: 52px 56px;
}
.aa-legal h3 {
  font-size: 21px; margin: 40px 0 14px; padding-top: 8px;
  display: flex; align-items: baseline; gap: 12px;
}
.aa-legal h3:first-child { margin-top: 0; }
.aa-legal h3 em {
  font-style: normal; color: var(--aa-gold); font-size: 15px; font-weight: 800;
  font-family: 'Nunito', sans-serif;
}
.aa-legal h4 { font-size: 16.5px; margin: 26px 0 10px; }
.aa-legal p, .aa-legal li { font-size: 15px; line-height: 1.9; color: var(--ve-text); }
.aa-legal ul, .aa-legal ol { padding-left: 22px; margin-bottom: 18px; }
.aa-legal li { margin-bottom: 8px; }
.aa-legal hr { border: none; border-top: 1px solid var(--aa-line); margin: 36px 0; }
.aa-legal-updated {
  background: var(--aa-cream); border-radius: 10px; padding: 14px 20px;
  font-size: 13.5px; color: var(--aa-muted); margin-bottom: 34px;
}
.aa-toc {
  background: var(--aa-cream); border-radius: 14px; padding: 26px 30px; margin-bottom: 40px;
}
.aa-toc h5 { font-size: 15px; margin-bottom: 14px; }
.aa-toc ol { margin: 0; padding-left: 20px; columns: 2; column-gap: 34px; }
.aa-toc li { font-size: 14px; margin-bottom: 7px; }
.aa-toc a { color: var(--aa-emerald); text-decoration: none; }
.aa-toc a:hover { color: var(--aa-gold); }

/* Registration facts card */
.aa-reg-card {
  background: linear-gradient(160deg, #0a3b2e, #06281f); border-radius: 18px;
  padding: 38px 36px; color: #fff;
}
.aa-reg-card h4 { color: #fff; font-size: 19px; margin-bottom: 22px; }
.aa-reg-list { list-style: none; margin: 0; padding: 0; }
.aa-reg-list li {
  display: flex; justify-content: space-between; gap: 16px; padding: 13px 0;
  border-bottom: 1px solid rgba(255,255,255,.1); font-size: 14px;
}
.aa-reg-list li:last-child { border-bottom: none; }
.aa-reg-list span { color: rgba(255,255,255,.6); }
.aa-reg-list strong { color: var(--aa-gold); font-family: 'Nunito', sans-serif; text-align: right; }

/* ---------- 17. CONTACT ---------- */
.ve-contact-info-card { transition: all .3s ease; }
.ve-contact-info-card:hover { transform: translateY(-6px); }
.aa-map-wrap {
  border-radius: 18px; overflow: hidden; border: 1px solid var(--aa-line);
  line-height: 0; box-shadow: var(--ve-shadow);
}
.aa-map-wrap iframe { width: 100%; height: 420px; border: 0; display: block; }

/* ---------- 18. FOOTER ---------- */
.aa-footer .aa-logo .ve-logo-text { font-size: 16px; }
.aa-footer-reg { list-style: none; margin: 20px 0; padding: 0; }
.aa-footer-reg li {
  font-size: 13px; color: rgba(255,255,255,.75); padding: 4px 0;
  font-family: 'Nunito', sans-serif; letter-spacing: .3px;
}
.aa-footer-reg li span {
  display: inline-block; min-width: 96px; color: rgba(255,255,255,.42);
  font-family: 'DM Sans', sans-serif; letter-spacing: 0;
}
.aa-footer-grv {
  display: inline-flex; align-items: center; gap: 9px; margin-top: 6px;
  background: rgba(224,165,38,.12); border: 1px solid rgba(224,165,38,.35);
  color: var(--aa-gold); padding: 10px 18px; border-radius: 8px;
  font-size: 13.5px; font-weight: 600; text-decoration: none;
}
.aa-footer-grv:hover { background: var(--aa-gold); color: #0a3b2e; }
.ve-footer-contact li a { color: rgba(255,255,255,.7); text-decoration: none; }
.ve-footer-contact li a:hover { color: var(--aa-gold); }

.aa-disclaimer {
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.09);
  border-radius: 14px; padding: 26px 30px; margin-bottom: 60px;
}
.aa-disclaimer h6 {
  color: var(--aa-gold); font-size: 14px; font-family: 'Nunito', sans-serif;
  font-weight: 800; letter-spacing: .6px; margin-bottom: 12px;
}
.aa-disclaimer p { font-size: 13px; line-height: 1.85; color: rgba(255,255,255,.6); margin: 0; }
.aa-disclaimer strong { color: rgba(255,255,255,.9); }
.aa-disclaimer a { color: var(--aa-gold); }

/* ---------- 19. FLOATING ACTIONS ---------- */
.aa-floats {
  position: fixed; right: 20px; bottom: 24px; z-index: 9990;
  display: flex; flex-direction: column; gap: 12px;
}
.aa-float {
  width: 52px; height: 52px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 24px; text-decoration: none;
  box-shadow: 0 6px 22px rgba(0,0,0,.22); transition: transform .25s ease;
}
.aa-float:hover { transform: scale(1.09); color: #fff; }
.aa-float-wa { background: #25d366; }
.aa-float-call { background: var(--aa-emerald); font-size: 20px; }

/* ---------- 20. SMALL UTILITIES ---------- */
.aa-mt-0 { margin-top: 0 !important; }
.aa-mb-0 { margin-bottom: 0 !important; }
.mt-30 { margin-top: 30px; }
.aa-section-sm { padding: 70px 0; }
.aa-bg-cream { background: var(--aa-cream); }
.aa-bg-light { background: var(--ve-light); }
.aa-center { text-align: center; }
.aa-badge-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.aa-badge {
  background: var(--aa-cream); border: 1px solid #f0e2c0; border-radius: 99px;
  padding: 8px 18px; font-size: 13px; font-weight: 600; color: var(--aa-emerald);
}
.aa-badge i { color: var(--aa-gold); margin-right: 7px; }
.aa-note {
  border-left: 3px solid var(--aa-gold); background: var(--aa-cream);
  padding: 18px 22px; border-radius: 0 10px 10px 0; font-size: 14px;
  line-height: 1.8; color: var(--ve-text); margin: 26px 0;
}
.aa-note strong { color: var(--aa-emerald); }

/* ---------- 21. RESPONSIVE ---------- */
@media (max-width: 1199px) {
  .aa-loan-grid, .aa-promise-grid { grid-template-columns: repeat(2, 1fr); }
  .aa-steps { grid-template-columns: repeat(2, 1fr); }
  .aa-commit-grid { grid-template-columns: repeat(2, 1fr); }
  .aa-commit:nth-child(2) { border-right: none; }
  .aa-commit:nth-child(1), .aa-commit:nth-child(2) { border-bottom: 1px solid rgba(255,255,255,.12); padding-bottom: 34px; }
  .aa-commit:nth-child(3), .aa-commit:nth-child(4) { padding-top: 34px; }
  .aa-calc { grid-template-columns: 1fr; }
  .ve-nav-wrap { padding: 0 22px; }
  .aa-topbar-inner { padding: 0 22px; }
}
@media (max-width: 991px) {
  .aa-tb-hide { display: none !important; }
  .ve-hero { min-height: auto; }
  .ve-hero-left { padding: 60px 26px; flex: 1 1 100%; }
  .aa-legal { padding: 36px 26px; }
  .aa-toc ol { columns: 1; }
  .aa-detail { padding: 30px 24px; }
  .aa-detail-facts { grid-template-columns: 1fr; }
  .aa-detail-cols { grid-template-columns: 1fr; gap: 24px; }
  .aa-detail-head { flex-direction: column; gap: 16px; }
  .ve-contact-form-wrap { padding: 30px 24px; }
  .ve-section { padding: 70px 0; }
  .ve-page-hero { padding: 150px 0 70px; }
  .aa-form-row-3 { grid-template-columns: 1fr; }
}
@media (max-width: 767px) {
  :root { --aa-topbar-h: 34px; }
  /* On a phone the utility bar carries the phone number only - anything more
     cannot fit, and a nowrap overflow there would widen the whole page. */
  .aa-topbar { font-size: 12px; }
  .aa-topbar-inner { padding: 0 16px; justify-content: center; gap: 0; }
  .aa-topbar-left { display: none; }
  .aa-topbar-right { gap: 0; }
  .ve-nav-wrap { padding: 0 16px; }
  .aa-loan-grid, .aa-promise-grid, .aa-steps, .aa-commit-grid { grid-template-columns: 1fr; }
  .aa-commit { border-right: none !important; border-bottom: 1px solid rgba(255,255,255,.12); padding: 26px 16px !important; }
  .aa-commit:last-child { border-bottom: none; }
  .aa-calc-inputs, .aa-calc-result { padding: 32px 24px; }
  .aa-emi-big { font-size: 36px; }
  .ve-page-hero h1 { font-size: 30px; }
  .aa-floats { right: 14px; bottom: 16px; }
  .aa-float { width: 48px; height: 48px; font-size: 22px; }
  .aa-disclaimer { padding: 22px 20px; }
}