/* ============================================================
   HERO — NRI ADVISORY
============================================================ */
.service-hero {
    position: relative;
    background: var(--black);
    overflow: hidden;
    padding: 100px 0 80px
}

/* Subtle world-map dot pattern */
.sh-dots {
    position: absolute;
    inset: 0;
    opacity: .07;
    background-image: radial-gradient(circle, rgba(255, 255, 255, .8) 1px, transparent 1px);
    background-size: 32px 32px
}

.sh-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 60% 70% at 65% 45%, rgba(200, 16, 46, .18) 0%, transparent 60%),
        radial-gradient(ellipse 40% 40% at 5% 80%, rgba(212, 160, 23, .07) 0%, transparent 50%),
        radial-gradient(ellipse 30% 30% at 95% 15%, rgba(200, 16, 46, .07) 0%, transparent 50%)
}

.sh-line {
    position: absolute;
    top: 0;
    right: 22%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(200, 16, 46, .22), transparent)
}

.sh-line2 {
    position: absolute;
    top: 0;
    right: 40%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(255, 255, 255, .04), transparent)
}

.sh-content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center
}

.sh-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(200, 16, 46, .15);
    border: 1px solid rgba(200, 16, 46, .3);
    color: #ff8090;
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 20px
}

.sh-title {
    font-family: var(--font-display);
    font-size: clamp(2.6rem, 5vw, 3.8rem);
    font-weight: 900;
    color: var(--white);
    line-height: 1.05;
    margin-bottom: 18px
}

.sh-title em {
    color: var(--red);
    font-style: normal;
    display: block
}

.sh-desc {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, .6);
    max-width: 460px;
    line-height: 1.85;
    margin-bottom: 36px
}

.sh-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 48px
}

.sh-quick-stats {
    display: flex;
    gap: 0;
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: 8px;
    overflow: hidden
}

.sh-qs {
    padding: 14px 20px;
    text-align: center;
    border-right: 1px solid rgba(255, 255, 255, .08);
    flex: 1
}

.sh-qs:last-child {
    border-right: none
}

.sh-qs-num {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    color: white
}

.sh-qs-num span {
    color: var(--red)
}

.sh-qs-label {
    font-size: 10.5px;
    color: rgba(255, 255, 255, .4);
    margin-top: 2px
}

/* HERO RIGHT — Global presence card */
.sh-right {
    position: relative
}

.sh-card {
    background: rgba(255, 255, 255, .05);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, .10);
    border-radius: 14px;
    padding: 26px;
    box-shadow: 0 32px 80px rgba(0, 0, 0, .45)
}

.sh-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 18px
}

.sh-card-label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .5)
}

.sh-card-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    background: rgba(212, 160, 23, .15);
    color: var(--gold-light);
    font-size: 11.5px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 6px
}

.sh-card-badge span {
    width: 6px;
    height: 6px;
    background: var(--gold-light);
    border-radius: 50%;
    animation: pulseDot 2s infinite
}

@keyframes pulseDot {

    0%,
    100% {
        transform: scale(1);
        opacity: 1
    }

    50% {
        transform: scale(1.5);
        opacity: .5
    }
}

/* Country flags grid */
.country-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 8px;
    margin-bottom: 18px
}

.country-item {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 10px 8px;
    text-align: center;
    transition: var(--transition);
    cursor: default
}

.country-item:hover {
    background: rgba(200, 16, 46, .15);
    border-color: rgba(200, 16, 46, .3);
    transform: translateY(-2px)
}

.country-flag {
    font-size: 20px;
    line-height: 1;
    margin-bottom: 4px
}

.country-name {
    font-size: 10px;
    color: rgba(255, 255, 255, .5);
    font-weight: 600
}

.country-count {
    font-size: 9px;
    color: var(--red);
    margin-top: 1px;
    font-weight: 700
}

.sh-divider {
    height: 1px;
    background: rgba(255, 255, 255, .07);
    margin: 14px 0
}

.sh-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px
}

.sh-metric {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 12px 14px
}

.sh-metric-label {
    font-size: 11px;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 4px
}

.sh-metric-val {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 700;
    color: white
}

.sh-metric-val .up {
    color: #4ade80;
    font-size: 11px;
    font-weight: 500;
    margin-left: 3px
}

.sh-metric-val .gold {
    color: var(--gold-light);
    font-size: 11px;
    font-weight: 500;
    margin-left: 3px
}

/* Floating badges */
.sh-float {
    position: absolute;
    background: white;
    border-radius: 10px;
    padding: 14px 18px;
    box-shadow: var(--shadow-md);
    z-index: 3
}

.sh-float.f1 {
    top: -20px;
    right: -20px
}

.sh-float.f2 {
    bottom: -18px;
    left: -20px
}

.sf-label {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gray-500);
    margin-bottom: 4px
}

.sf-val {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--black);
    line-height: 1
}

.sf-val span {
    color: var(--red);
    font-size: 12px
}

.sf-sub {
    font-size: 11px;
    color: var(--gray-500);
    margin-top: 3px
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px)
    }

    to {
        opacity: 1;
        transform: translateY(0)
    }
}

.sh-tag {
    animation: fadeInUp .55s ease both
}

.sh-title {
    animation: fadeInUp .65s .08s ease both
}

.sh-desc {
    animation: fadeInUp .65s .16s ease both
}

.sh-actions {
    animation: fadeInUp .65s .24s ease both
}

.sh-quick-stats {
    animation: fadeInUp .65s .32s ease both
}

/* ============================================================
   NRI CHALLENGES SECTION
============================================================ */
.challenges {
    background: var(--gray-50)
}

.ch-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 80px;
    align-items: center
}

.ch-body {
    font-size: 15px;
    color: var(--gray-700);
    line-height: 1.9
}

.ch-body p {
    margin-bottom: 18px
}

.ch-body strong {
    color: var(--black);
    font-weight: 600
}

.ch-highlight {
    border-left: 3px solid var(--red);
    padding: 16px 20px;
    background: rgba(200, 16, 46, .04);
    border-radius: 0 6px 6px 0;
    margin: 24px 0;
    font-family: var(--font-display);
    font-size: 1.05rem;
    font-style: italic;
    color: var(--black-2);
    line-height: 1.7
}

.challenge-cards {
    display: flex;
    flex-direction: column;
    gap: 12px
}

.chal-card {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 18px 20px;
    transition: var(--transition)
}

.chal-card:hover {
    border-color: var(--red);
    box-shadow: var(--shadow-sm);
    transform: translateX(4px)
}

.chal-icon {
    width: 42px;
    height: 42px;
    flex-shrink: 0;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    transition: var(--transition)
}

.chal-card:hover .chal-icon {
    transform: scale(1.1)
}

.chal-card h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 3px;
    color: var(--black)
}

.chal-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.65
}

.chal-solved {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 6px;
    font-size: 11.5px;
    font-weight: 700;
    color: #15803d;
    background: rgba(74, 222, 128, .10);
    padding: 2px 8px;
    border-radius: 100px
}

/* ============================================================
   WHO IS NRI — ELIGIBILITY
============================================================ */
.nri-types {
    background: var(--white)
}

.nt-tabs {
    display: flex;
    gap: 0;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    overflow: hidden;
    margin-bottom: 48px;
    background: white
}

.nt-tab {
    flex: 1;
    padding: 14px 10px;
    text-align: center;
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-500);
    cursor: pointer;
    transition: var(--transition);
    border-right: 1px solid var(--gray-200)
}

.nt-tab:last-child {
    border-right: none
}

.nt-tab.active {
    color: var(--white);
    background: var(--red)
}

.nt-tab:not(.active):hover {
    background: var(--gray-50);
    color: var(--red)
}

.nt-panel {
    display: none
}

.nt-panel.active {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start
}

.nt-def {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 28px
}

.nt-def h3 {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--black)
}

.nt-def .badge-row {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-bottom: 16px
}

.nt-badge {
    font-size: 11px;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 100px;
    letter-spacing: .5px
}

.nt-badge.red {
    background: rgba(200, 16, 46, .10);
    color: var(--red)
}

.nt-badge.gold {
    background: rgba(212, 160, 23, .12);
    color: #8a6500
}

.nt-badge.green {
    background: rgba(74, 222, 128, .12);
    color: #15803d
}

.nt-def p {
    font-size: 13.5px;
    color: var(--gray-700);
    line-height: 1.8;
    margin-bottom: 14px
}

.nt-rules {
    display: flex;
    flex-direction: column;
    gap: 10px
}

.nt-rule {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13.5px;
    color: var(--gray-700)
}

.nt-rule i {
    color: var(--red);
    margin-top: 3px;
    flex-shrink: 0;
    font-size: 12px
}

.nt-rights {
    display: flex;
    flex-direction: column;
    gap: 10px
}

.nt-right-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 16px 18px;
    transition: var(--transition)
}

.nt-right-card:hover {
    border-color: var(--red);
    box-shadow: var(--shadow-sm)
}

.nt-right-card h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 4px;
    display: flex;
    align-items: center;
    gap: 8px
}

.nt-right-card h4 i {
    color: var(--red);
    font-size: 12px
}

.nt-right-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.65
}

/* ============================================================
   ACCOUNTS & BANKING
============================================================ */
.accounts {
    background: var(--gray-50)
}

.acc-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px
}

.acc-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    overflow: hidden;
    transition: var(--transition)
}

.acc-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--red)
}

.acc-header {
    padding: 20px 24px;
    position: relative;
    overflow: hidden
}

.acc-header::after {
    content: '';
    position: absolute;
    top: -30px;
    right: -30px;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .1)
}

.acc-abbr {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 900;
    color: white;
    line-height: 1;
    margin-bottom: 4px;
    position: relative;
    z-index: 1
}

.acc-full {
    font-size: 13px;
    font-weight: 600;
    color: rgba(255, 255, 255, .8);
    position: relative;
    z-index: 1
}

.acc-card-body {
    padding: 20px 24px
}

.acc-desc {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.75;
    margin-bottom: 16px
}

.acc-rows {
    display: flex;
    flex-direction: column;
    gap: 8px
}

.acc-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    border-bottom: 1px solid var(--gray-100);
    font-size: 13px
}

.acc-row:last-child {
    border-bottom: none
}

.acc-row-label {
    color: var(--gray-500)
}

.acc-row-val {
    font-weight: 700;
    color: var(--black)
}

.acc-row-val.green {
    color: #15803d
}

.acc-row-val.red {
    color: var(--red)
}

.acc-row-val.gold {
    color: #8a6500
}

.acc-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    margin-top: 14px
}

.acc-tag {
    font-size: 10.5px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 100px
}

.at-green {
    background: rgba(74, 222, 128, .10);
    color: #15803d
}

.at-yellow {
    background: rgba(212, 160, 23, .10);
    color: #8a6500
}

.at-red {
    background: rgba(200, 16, 46, .10);
    color: var(--red)
}

.at-gray {
    background: var(--gray-100);
    color: var(--gray-700)
}

/* ============================================================
   TAXATION SECTION
============================================================ */
.taxation {
    background: var(--white)
}

.tax-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start
}

.tax-sticky {
    position: sticky;
    top: calc(var(--nav-h) + 24px)
}

.tax-table-wrap {
    overflow-x: auto
}

.tax-table {
    width: 100%;
    border-collapse: collapse
}

.tax-table th {
    background: var(--black);
    color: rgba(255, 255, 255, .7);
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    padding: 14px 18px;
    text-align: left
}

.tax-table th:first-child {
    border-radius: 8px 0 0 0
}

.tax-table th:last-child {
    border-radius: 0 8px 0 0
}

.tax-table td {
    padding: 13px 18px;
    font-size: 13px;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100)
}

.tax-table tr:last-child td {
    border-bottom: none
}

.tax-table tr:hover td {
    background: var(--gray-50)
}

.tax-table .bold {
    font-weight: 700;
    color: var(--black)
}

.tax-table .green {
    color: #15803d;
    font-weight: 700
}

.tax-table .red {
    color: var(--red);
    font-weight: 700
}

.tax-treaty-box {
    background: linear-gradient(135deg, var(--black), #1a0a0d);
    border-radius: 10px;
    padding: 24px;
    margin-top: 20px;
    border: 1px solid rgba(200, 16, 46, .2)
}

.tt-title {
    font-size: 13px;
    font-weight: 700;
    color: white;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 8px
}

.tt-title i {
    color: var(--red)
}

.tt-flags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px
}

.tt-flag {
    display: flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, .06);
    border-radius: 6px;
    padding: 5px 10px;
    font-size: 12px;
    color: rgba(255, 255, 255, .6);
    border: 1px solid rgba(255, 255, 255, .07);
    transition: var(--transition)
}

.tt-flag:hover {
    border-color: var(--red);
    color: white
}

/* ============================================================
   REPATRIATION FLOW
============================================================ */
.repatriation {
    background: var(--gray-50)
}

.rep-flow {
    display: flex;
    flex-direction: column;
    gap: 0;
    position: relative;
    max-width: 800px;
    margin: 0 auto
}

.rep-flow::before {
    content: '';
    position: absolute;
    left: 28px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--gray-200)
}

.rep-step {
    display: flex;
    gap: 24px;
    padding-bottom: 32px;
    position: relative
}

.rep-step:last-child {
    padding-bottom: 0
}

.rep-dot-col {
    flex-shrink: 0;
    display: flex;
    flex-direction: column;
    align-items: center
}

.rep-dot {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    border: 3px solid white;
    box-shadow: 0 0 0 3px var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    background: white;
    transition: var(--transition);
    cursor: default;
    z-index: 1
}

.rep-step:hover .rep-dot {
    box-shadow: 0 0 0 3px var(--red), 0 4px 20px rgba(200, 16, 46, .2)
}

.rep-num {
    font-family: var(--font-display);
    font-size: 11px;
    font-weight: 900;
    color: var(--red);
    margin-top: 4px
}

.rep-content {
    flex: 1;
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 18px 22px;
    transition: var(--transition)
}

.rep-step:hover .rep-content {
    border-color: var(--red);
    box-shadow: var(--shadow-sm)
}

.rep-content h4 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 5px;
    color: var(--black)
}

.rep-content p {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.7
}

.rep-tag {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 8px;
    font-size: 11px;
    font-weight: 700;
    padding: 2px 10px;
    border-radius: 100px
}

.rt-green {
    background: rgba(74, 222, 128, .10);
    color: #15803d
}

.rt-yellow {
    background: rgba(212, 160, 23, .12);
    color: #8a6500
}

.rt-red {
    background: rgba(200, 16, 46, .10);
    color: var(--red)
}

/* ============================================================
   SERVICES GRID
============================================================ */
.nri-services {
    background: var(--white)
}

.ns-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px
}

.ns-card {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 28px;
    transition: var(--transition);
    position: relative;
    overflow: hidden
}

.ns-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--red);
    transform: scaleX(0);
    transition: transform .3s
}

.ns-card:hover::after {
    transform: scaleX(1)
}

.ns-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--red);
    background: white
}

.ns-icon {
    width: 52px;
    height: 52px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 18px;
    transition: var(--transition)
}

.ns-card:hover .ns-icon {
    transform: scale(1.08)
}

.ns-card h3 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--black)
}

.ns-card p {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.75
}

.ns-list {
    margin-top: 14px;
    display: flex;
    flex-direction: column;
    gap: 6px
}

.ns-list li {
    font-size: 12.5px;
    color: var(--gray-700);
    display: flex;
    align-items: center;
    gap: 7px
}

.ns-list li i {
    color: var(--red);
    font-size: 10px;
    flex-shrink: 0
}

/* ============================================================
   COUNTRY-SPECIFIC GUIDE
============================================================ */
.country-guide {
    background: var(--gray-50)
}

.cg-grid {
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: 0;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    overflow: hidden
}

.cg-sidebar {
    background: var(--black);
    padding: 0
}

.cg-sidebar-item {
    padding: 16px 20px;
    display: flex;
    align-items: center;
    gap: 12px;
    cursor: pointer;
    border-bottom: 1px solid rgba(255, 255, 255, .06);
    transition: var(--transition)
}

.cg-sidebar-item:hover,
.cg-sidebar-item.active {
    background: rgba(200, 16, 46, .2);
    border-left: 3px solid var(--red)
}

.cg-sidebar-item:not(.active) {
    border-left: 3px solid transparent
}

.cg-flag {
    font-size: 22px
}

.cg-cname {
    font-size: 13px;
    font-weight: 600;
    color: rgba(255, 255, 255, .8)
}

.cg-ctag {
    font-size: 10.5px;
    color: rgba(255, 255, 255, .4)
}

.cg-panel {
    display: none;
    padding: 32px
}

.cg-panel.active {
    display: block
}

.cg-panel-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-100)
}

.cgp-flag {
    font-size: 36px
}

.cgp-country {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--black)
}

.cgp-sub {
    font-size: 13px;
    color: var(--gray-500);
    margin-top: 2px
}

.cg-facts {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin-bottom: 24px
}

.cgf {
    background: var(--gray-50);
    border-radius: 6px;
    padding: 14px
}

.cgf-label {
    font-size: 11px;
    color: var(--gray-500);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 1px
}

.cgf-val {
    font-size: 14px;
    font-weight: 700;
    color: var(--black)
}

.cgf-val.green {
    color: #15803d
}

.cg-tips {
    display: flex;
    flex-direction: column;
    gap: 10px
}

.cg-tip {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13.5px;
    color: var(--gray-700);
    line-height: 1.65
}

.cg-tip i {
    color: var(--red);
    margin-top: 3px;
    flex-shrink: 0;
    font-size: 12px;
    width: 14px
}

/* ============================================================
   PROCESS
============================================================ */
.nri-process {
    background: var(--black)
}

.np-steps {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 0;
    position: relative
}

.np-steps::before {
    content: '';
    position: absolute;
    top: 28px;
    left: 10%;
    right: 10%;
    height: 1px;
    background: rgba(255, 255, 255, .08);
    pointer-events: none
}

.np-step {
    padding: 0 14px;
    text-align: center
}

.np-num {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .05);
    border: 2px solid rgba(255, 255, 255, .10);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 18px;
    font-weight: 700;
    color: rgba(255, 255, 255, .3);
    transition: var(--transition);
    margin: 0 auto 20px;
    cursor: default;
    position: relative;
    z-index: 1
}

.np-step:hover .np-num,
.np-step.active .np-num {
    background: var(--red);
    border-color: var(--red);
    color: white;
    box-shadow: 0 0 0 8px rgba(200, 16, 46, .12)
}

.np-step h4 {
    font-size: 13px;
    font-weight: 700;
    color: rgba(255, 255, 255, .85);
    margin-bottom: 8px
}

.np-step p {
    font-size: 12px;
    color: rgba(255, 255, 255, .38);
    line-height: 1.65
}

/* ============================================================
   TESTIMONIALS — NRI
============================================================ */
.nri-testimonials {
    background: var(--gray-50)
}

.nt-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px
}

.nti-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 28px;
    transition: var(--transition)
}

.nti-card:hover {
    border-color: var(--red);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px)
}

.nti-top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 14px
}

.nti-flag {
    font-size: 28px
}

.nti-stars {
    color: var(--red);
    font-size: 13px;
    letter-spacing: 2px
}

.nti-text {
    font-size: 13.5px;
    line-height: 1.8;
    color: var(--gray-700);
    font-style: italic;
    margin-bottom: 18px
}

.nti-author {
    display: flex;
    align-items: center;
    gap: 12px
}

.nti-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--red), var(--red-dark));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    font-weight: 700;
    color: white;
    flex-shrink: 0;
    font-family: var(--font-display)
}

.nti-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--black)
}

.nti-role {
    font-size: 12px;
    color: var(--gray-500)
}