/* ===== TENJIKU Website — v3 warm theme (navy+gold+maroon+cream) ===== */
:root{--navy:#112b4d;--navy2:#1c3f6e;--gold:#c79a3b;--gold2:#e0bd64;--maroon:#8d1b3d;--cream:#faf6ee;--ink:#23303d;--muted:#6a7787;--line:#ece4d6;--shadow:0 14px 38px rgba(17,43,77,.12);--shadow2:0 26px 60px rgba(17,43,77,.20)}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Plus Jakarta Sans',sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
img{max-width:100%;display:block}a{text-decoration:none;color:inherit}
.container{max-width:1180px;margin:0 auto;padding:0 22px}
h1,h2,h3,h4{line-height:1.18;color:var(--navy);font-weight:800}
.serif{font-family:'Tinos',serif}
.btn{display:inline-flex;align-items:center;gap:9px;border:none;cursor:pointer;font-weight:700;font-size:15px;padding:13px 26px;border-radius:8px;transition:.25s;font-family:inherit}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold2));color:#2a2008;box-shadow:0 10px 24px rgba(199,154,59,.4)}
.btn-gold:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;border:2px solid rgba(255,255,255,.6);color:#fff}.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-line{background:#fff;border:1.6px solid var(--line);color:var(--navy)}.btn-line:hover{border-color:var(--gold);color:var(--gold)}
.eyebrow{color:var(--gold);font-weight:800;letter-spacing:.16em;text-transform:uppercase;font-size:12.5px;display:inline-block;margin-bottom:10px}
.sec{padding:72px 0}.sec-title{font-size:clamp(26px,3.4vw,38px)}.muted{color:var(--muted)}.center{text-align:center}
/* topbar — one line, responsive */
.topbar{background:var(--navy);color:#cfdcec;font-size:13.5px}
.topbar .container{display:flex;justify-content:space-between;align-items:center;height:40px;gap:10px;flex-wrap:nowrap}
.topbar a,.topbar span{white-space:nowrap;display:inline-flex;align-items:center;gap:6px;overflow:hidden;text-overflow:ellipsis}
.topbar i{color:var(--gold2)}.topbar a:hover{color:#fff}
@media(max-width:600px){.topbar{font-size:11px}.topbar .container{gap:6px;padding:0 12px}.topbar i{font-size:10px}}
@media(max-width:360px){.topbar{font-size:10px}}
/* header */
.hd{background:#fff;box-shadow:0 2px 16px rgba(17,43,77,.07);position:sticky;top:0;z-index:100}
.nav{display:flex;align-items:center;justify-content:space-between;height:84px}
.brand{display:flex;align-items:center;gap:13px}
.brand .lg{width:54px;height:54px;border-radius:50%;background:radial-gradient(circle at 30% 30%,#fff,#f0f4fa);border:3px solid var(--gold);display:grid;place-items:center;color:var(--maroon);font-weight:900;font-size:17px;font-family:'Tinos',serif;box-shadow:0 4px 12px rgba(0,0,0,.12);overflow:hidden}
.brand .lg img{width:100%;height:100%;object-fit:contain;padding:6px}
.brand b{font-size:28px;color:var(--navy);font-weight:800;letter-spacing:1px;line-height:1}.brand small{display:block;color:var(--maroon);font-weight:700;font-size:11.5px;letter-spacing:.22em;margin-top:2px}
.menu{display:flex;list-style:none;gap:2px}
.menu>li{position:relative}
.menu>li>a{display:flex;align-items:center;gap:6px;padding:12px 13px;font-weight:600;font-size:14.5px;color:var(--ink);border-radius:7px;transition:.2s}
.menu>li>a:hover{color:var(--maroon);background:#faf3f5}
.menu>li>a i{color:var(--gold);font-size:13px}
.menu>li>a:hover i{color:var(--maroon)}
.menu>li.has>a::after{content:"\25be";font-size:10px;color:var(--gold)}
.drop{position:absolute;top:100%;left:0;min-width:226px;background:#fff;border-radius:10px;box-shadow:var(--shadow2);padding:8px;list-style:none;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s;border-top:3px solid var(--gold)}
.menu>li:hover .drop{opacity:1;visibility:visible;transform:none}
.drop li a{display:block;padding:10px 13px;border-radius:7px;font-size:14px;font-weight:600}
.drop li a:hover{background:var(--navy);color:#fff;padding-left:17px}
.loginb{background:var(--maroon);color:#fff;padding:11px 22px;border-radius:7px;font-weight:700;font-size:14.5px;transition:.2s}.loginb:hover{background:#73152f}
.hamb{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px}.hamb span{width:25px;height:3px;background:var(--navy);border-radius:2px;transition:.3s}
@media(max-width:1040px){
  .menu{position:fixed;top:124px;left:0;right:0;flex-direction:column;background:#fff;padding:12px;gap:2px;box-shadow:var(--shadow2);max-height:0;overflow:hidden;transition:max-height .35s}
  .nav.open .menu{max-height:80vh;overflow:auto}
  .menu>li>a{padding:13px}
  .drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border-top:none;max-height:0;overflow:hidden;padding:0 8px;transition:max-height .3s}
  .menu>li.open .drop{max-height:500px;padding:6px 8px}
  .nav .loginb{display:none}.hamb{display:flex}
}
/* hero image-only slider */
.hero{position:relative;background:var(--navy)}
.hslides{position:relative;width:100%;aspect-ratio:1180/420;max-height:480px;overflow:hidden}
.hslide{position:absolute;inset:0;opacity:0;transition:opacity .9s ease;background:linear-gradient(135deg,#112b4d,#1c3f6e)}
.hslide.active{opacity:1}.hslide img{width:100%;height:100%;object-fit:cover}
.hdots{position:absolute;left:50%;bottom:16px;transform:translateX(-50%);display:flex;gap:9px;z-index:4}
.hdots button{width:11px;height:11px;border-radius:50%;border:2px solid #fff;background:transparent;cursor:pointer;padding:0;transition:.25s}
.hdots button.active{background:var(--gold);border-color:var(--gold);width:26px;border-radius:7px}
.harrow{position:absolute;top:50%;transform:translateY(-50%);z-index:4;width:42px;height:42px;border-radius:50%;background:rgba(0,0,0,.35);border:none;color:#fff;font-size:17px;cursor:pointer;transition:.2s}
.harrow:hover{background:var(--maroon)}.harrow.prev{left:14px}.harrow.next{right:14px}
@media(max-width:760px){.hslides{aspect-ratio:16/10}.harrow{display:none}}
/* trust strip */
.trust{background:var(--gold);color:#2a2008}
.trust .container{display:flex;justify-content:space-around;gap:18px;padding:18px 22px;flex-wrap:wrap;font-weight:700;font-size:14.5px}
.trust span{display:flex;align-items:center;gap:9px}
/* welcome + sidebar */
.wrap2{display:grid;grid-template-columns:1fr 330px;gap:38px;align-items:start}
.welcome h2{font-size:clamp(24px,3vw,32px);margin-bottom:8px}
.welcome .lead{color:var(--maroon);font-weight:700;font-size:18px;margin:14px 0 10px}
.welcome p{color:#46535f;margin-bottom:14px}
.mini{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px}
.mini .m{display:flex;gap:13px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;box-shadow:0 6px 18px rgba(17,43,77,.05)}
.mini .m .i{width:46px;height:46px;flex:none;border-radius:10px;background:#f6eede;color:var(--maroon);display:grid;place-items:center;font-size:19px}
.mini .m h4{font-size:15.5px;margin-bottom:2px}.mini .m p{font-size:13px;color:var(--muted);margin:0}
.side .join{background:linear-gradient(150deg,var(--maroon),#6c1430);color:#fff;border-radius:14px;padding:26px;text-align:center;box-shadow:var(--shadow)}
.side .join h3{color:#fff;font-size:20px}.side .join p{color:#f2d6de;font-size:13.5px;margin:6px 0 16px}
.side .join .go{width:62px;height:62px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;margin:0 auto;font-weight:800;font-size:15px;box-shadow:0 8px 20px rgba(0,0,0,.25);border:3px solid #fff;text-decoration:none}
.box{background:#fff;border:1px solid var(--line);border-radius:14px;margin-top:18px;overflow:hidden;box-shadow:0 8px 22px rgba(17,43,77,.06)}
.box .bh{background:var(--navy);color:#fff;padding:13px 18px;font-weight:700;font-size:15px;display:flex;align-items:center;gap:8px}
.box .bh i{color:var(--gold2)}
.box ul{list-style:none;padding:8px 0}
.box ul li a{display:flex;align-items:center;gap:10px;padding:11px 18px;font-weight:600;font-size:14px;border-bottom:1px dashed var(--line)}
.box ul li:last-child a{border:none}.box ul li a:hover{background:#faf6ee;color:var(--maroon)}
.box ul li a .n{width:22px;height:22px;border-radius:50%;background:var(--gold);color:#2a2008;display:grid;place-items:center;font-size:11px;font-weight:800;flex:none}
.news a{display:block;padding:12px 18px;font-size:13.5px;color:#46535f;border-bottom:1px dashed var(--line)}.news a:hover{color:var(--maroon)}.news a b{color:var(--gold);margin-right:6px}
/* services */
.svc{background:#fff}
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:42px}
.svc-card{border-radius:14px;overflow:hidden;box-shadow:var(--shadow);background:#fff;transition:.25s;border:1px solid var(--line)}
.svc-card:hover{transform:translateY(-8px);box-shadow:var(--shadow2)}
.svc-card .ph{position:relative;height:170px;overflow:hidden;background:linear-gradient(135deg,#112b4d,#1c3f6e)}
.svc-card .ph img{width:100%;height:100%;object-fit:cover;transition:.4s}.svc-card:hover .ph img{transform:scale(1.08)}
.svc-card .ph .lbl{position:absolute;left:0;bottom:0;right:0;background:linear-gradient(transparent,rgba(141,27,61,.92));padding:34px 18px 14px;color:#fff;font-weight:800;font-size:18px}
.svc-card .bd{padding:18px}.svc-card .bd p{color:var(--muted);font-size:14px;margin-bottom:14px}
.svc-card .bd a{color:var(--maroon);font-weight:700;font-size:14px}
@media(max-width:960px){.svc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.svc-grid{grid-template-columns:1fr}}
/* stats */
.stats{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.stats>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.14}
.stats .container{position:relative}
.stats .g{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stats .num{font-size:clamp(30px,4vw,44px);font-weight:900;color:var(--gold2)}
.stats .lb{color:#bcccdd;font-size:14px;margin-top:4px}
@media(max-width:640px){.stats .g{grid-template-columns:1fr 1fr;gap:28px}}
/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center}
.split .pic{border-radius:16px;overflow:hidden;box-shadow:var(--shadow2);position:relative;background:linear-gradient(135deg,#112b4d,#1c3f6e)}
.split .pic img{width:100%;height:430px;object-fit:cover}
.split .pic .tag{position:absolute;left:20px;bottom:20px;background:var(--gold);color:#2a2008;padding:14px 20px;border-radius:12px;font-weight:800;box-shadow:var(--shadow)}
.split .pic .tag b{font-size:26px;display:block;line-height:1}
.feat{display:flex;gap:14px;margin-top:18px}
.feat .i{width:46px;height:46px;flex:none;border-radius:10px;background:#f6eede;color:var(--maroon);display:grid;place-items:center;font-size:18px}
.feat h4{font-size:16.5px;margin-bottom:2px}.feat p{color:var(--muted);font-size:14px;margin:0}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:28px}.split .pic img{height:320px}}
/* cta */
.cta{background:linear-gradient(120deg,var(--maroon),#6c1430);color:#fff;border-radius:18px;padding:46px;display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap;box-shadow:var(--shadow2)}
.cta h2{color:#fff;font-size:clamp(23px,3vw,32px)}.cta p{color:#f2d6de;margin-top:6px}
/* ===== INNER PAGES ===== */
.phero{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;padding:54px 0 60px;position:relative;overflow:hidden}
.phero::after{content:"";position:absolute;right:-80px;bottom:-90px;width:280px;height:280px;border-radius:50%;background:rgba(199,154,59,.14)}
.phero h1{color:#fff;font-size:clamp(26px,4vw,42px)}
.phero .crumb{color:#bcccdd;margin-top:10px;font-size:14px}.phero .crumb a:hover{color:var(--gold2)}
.layout{display:grid;grid-template-columns:1fr 330px;gap:32px;align-items:start}
@media(max-width:920px){.layout{grid-template-columns:1fr}.wrap2{grid-template-columns:1fr}}
.prose{background:#fff;border-radius:14px;box-shadow:var(--shadow);padding:38px;border:1px solid var(--line)}
.prose h2{font-size:25px;margin:26px 0 12px;color:var(--navy)}.prose h2:first-child{margin-top:0}
.prose h3{font-size:19px;margin:20px 0 9px;color:var(--maroon)}
.prose p{color:#46535f;margin-bottom:14px}.prose .lead{font-size:18px;color:var(--navy);font-weight:700}
.prose ul{list-style:none;margin:0 0 16px}
.prose ul li{padding:7px 0 7px 28px;position:relative;color:#46535f}
.prose ul li::before{content:"\2714";position:absolute;left:0;color:var(--gold);font-weight:800}
.side-card{background:linear-gradient(150deg,var(--maroon),#6c1430);color:#fff;border-radius:14px;padding:26px;box-shadow:var(--shadow)}
.side-card h3{color:#fff;margin-bottom:8px}.side-card p{color:#f2d6de;font-size:14px;margin-bottom:16px}
.side-list{background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:20px;margin-top:18px}
.side-list h4{margin-bottom:10px;color:var(--navy)}.side-list a{display:block;padding:9px 0;border-bottom:1px dashed var(--line);font-weight:600;font-size:14px}
.side-list a:hover{color:var(--maroon)}.side-list a:last-child{border:none}
/* cards (schemes/loans) */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border-radius:14px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line);transition:.25s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow2)}
.card .top{background:linear-gradient(135deg,var(--navy),var(--navy2));padding:24px;color:#fff}
.card .top .ic{width:52px;height:52px;border-radius:12px;background:rgba(199,154,59,.22);color:var(--gold2);display:grid;place-items:center;font-size:22px;margin-bottom:12px}
.card .top h3{color:#fff;font-size:19px}
.card .body{padding:20px 24px 24px}.card .body p{color:var(--muted);font-size:14px;margin-bottom:12px}
.card ul{list-style:none;margin-bottom:16px}
.card ul li{padding:6px 0 6px 24px;position:relative;font-size:14px;border-bottom:1px dashed var(--line)}
.card ul li::before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:800}
@media(max-width:960px){.cards{grid-template-columns:1fr 1fr}}@media(max-width:600px){.cards{grid-template-columns:1fr}}
/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;background:#fff;border-radius:16px;overflow:hidden;box-shadow:var(--shadow2);border:1px solid var(--line)}
.calc .form{padding:36px}
.calc .result{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:36px;display:flex;flex-direction:column;justify-content:center}
.field{margin-bottom:20px}.field label{display:flex;justify-content:space-between;font-weight:700;font-size:14px;margin-bottom:8px;color:var(--navy)}
.field input,.field select{width:100%;padding:12px 14px;border:1.6px solid var(--line);border-radius:9px;font-size:15px;font-family:inherit;outline:none}
.field input[type=range]{padding:0;accent-color:var(--maroon)}
.field input:focus,.field select:focus{border-color:var(--gold)}
.range-val{color:var(--maroon);font-weight:800}
.result .big{font-size:38px;font-weight:900;color:var(--gold2);line-height:1.1}
.result .rrow{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:15px}
.result .rrow span:first-child{color:#bcccdd}.result .rrow b{color:#fff}
@media(max-width:760px){.calc{grid-template-columns:1fr}}
/* contact */
.cgrid{display:grid;grid-template-columns:1fr 1.3fr;gap:30px}
.cinfo .ci{display:flex;gap:16px;margin-bottom:20px}
.cinfo .ci .ic{flex:none;width:48px;height:48px;border-radius:12px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-size:18px}
.cinfo .ci h4{font-size:16px}.cinfo .ci p{color:var(--muted);font-size:14px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:32px}
.form-card .field input,.form-card .field select,.form-card textarea{width:100%;padding:12px 14px;border:1.6px solid var(--line);border-radius:9px;font-family:inherit;font-size:15px;outline:none}
.form-card textarea{min-height:130px}.form-card textarea:focus,.form-card input:focus{border-color:var(--gold)}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:760px){.cgrid{grid-template-columns:1fr}.f2{grid-template-columns:1fr}}
/* downloads */
.dlist{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.dl{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;transition:.2s}
.dl:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-3px)}
.dl .ic{width:46px;height:46px;border-radius:10px;background:#fde0e0;color:#c0392b;display:grid;place-items:center;font-size:20px;flex:none}
.dl h4{font-size:15px}.dl small{color:var(--muted)}.dl .go{margin-left:auto;color:var(--gold);font-weight:800}
@media(max-width:620px){.dlist{grid-template-columns:1fr}}
/* footer */
.ft{background:var(--navy);color:#aebfd0;padding:60px 0 0;margin-top:10px}
.ft-top{display:flex;justify-content:center;margin-bottom:30px}
.ftcoin{width:64px;height:64px;border-radius:50%;background:var(--maroon);border:4px solid var(--gold);display:grid;place-items:center;color:var(--gold2);font-size:24px;margin-top:-90px;box-shadow:var(--shadow2)}
.fg{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:30px;padding-bottom:40px}
.ft h4{color:#fff;font-size:15px;margin-bottom:16px;padding-bottom:9px;position:relative}.ft h4::after{content:"";position:absolute;left:0;bottom:0;width:34px;height:3px;background:var(--gold);border-radius:2px}
.ft a{display:block;color:#aebfd0;padding:5px 0;font-size:14px}.ft a:hover{color:var(--gold2);padding-left:5px}
.ft .ab p{font-size:14px;margin:12px 0;line-height:1.7}
.news-in{display:flex;gap:8px;margin-top:8px}.news-in input{flex:1;padding:11px;border:none;border-radius:7px;font-family:inherit}.news-in button{background:var(--gold);border:none;padding:0 16px;border-radius:7px;font-weight:700;cursor:pointer}
.fsoc{display:flex;gap:9px;margin-top:12px}.fsoc a{width:36px;height:36px;border-radius:8px;background:rgba(255,255,255,.09);display:grid;place-items:center;padding:0}.fsoc a:hover{background:var(--gold);color:var(--navy)}
.fc li{display:flex;gap:9px;padding:6px 0;font-size:13.5px;list-style:none}.fc i{color:var(--gold);margin-top:4px}
.copy{border-top:1px solid rgba(255,255,255,.1);text-align:center;padding:18px 0;font-size:13px;color:#8198af}
@media(max-width:860px){.fg{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fg{grid-template-columns:1fr}.mini{grid-template-columns:1fr}}
.reveal{opacity:0;transform:translateY(22px);transition:.6s}.reveal.in{opacity:1;transform:none}