@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

/* =========================================================
   PAGE BACKGROUND (index parity) — fixes missing body image.
   Unscoped intentionally: this style block only loads on this page.
========================================================= */
body {
    background-image: url('../images/section-2-bg.jpg');
    background-repeat: no-repeat;
    background-position: center;
    background-size: cover;
}

/* =========================================================
   SHIFTEMI SERVICE PAGE — scoped styles
========================================================= */
.se-service {
    --se-main:   #6533c4;
    --se-deep:   #3f0982;
    --se-gold:   #fdc40b;
    --se-gold-l: #fdeca2;
    --se-mute:   #6c3a8d;
    --se-line:   #e0ddf5;
    --se-ease:   cubic-bezier(0.25, 1, 0.5, 1);
    --se-bounce: cubic-bezier(0.34, 1.56, 0.64, 1);

    font-family: 'Plus Jakarta Sans', sans-serif;
    color: #2c1e4a;
    /* Translucent overlay so the body background image shows through */
    background: linear-gradient(180deg, rgba(252,248,246,.88) 0%, rgba(245,240,251,.9) 100%);
    overflow-x: hidden;
}
.se-service * { box-sizing: border-box; }
.se-service a { text-decoration: none; }
.se-service img { max-width: 100%; }

/* ---------- Scroll progress bar ---------- */
.se-service .scroll-progress-bar {
    position: fixed; top: 0; left: 0; height: 3px; width: 0%;
    background: linear-gradient(90deg, #fdc40b 0%, #6533c4 100%);
    z-index: 10000; transition: width .1s ease;
    box-shadow: 0 0 10px rgba(253, 196, 11, .5);
}

/* =========================================================
   BUTTONS — index signature (slide-in icon panel)
========================================================= */
.se-service .hero-cta-primary,
.se-service .btn-calc-submit {
    display: inline-flex; align-items: center; justify-content: center;
    font-family: inherit; font-size: 1rem; font-weight: 800;
    border: none; border-radius: 999px; padding: 16px 32px;
    white-space: nowrap; cursor: pointer; text-decoration: none;
    position: relative; overflow: hidden;
    background: var(--se-gold); color: var(--se-deep);
    box-shadow: 0 10px 25px rgba(253, 196, 11, .3);
    transition: background .35s var(--se-ease), box-shadow .35s var(--se-ease);
}
.se-service .hero-cta-primary span,
.se-service .btn-calc-submit span {
    position: relative; z-index: 2;
    transition: transform .35s var(--se-ease);
    will-change: transform;
}
.se-service .hero-cta-primary i,
.se-service .btn-calc-submit i {
    position: absolute; top: 0; right: 0; height: 100%; width: 52px;
    background: var(--se-deep); color: var(--se-gold);
    display: flex; align-items: center; justify-content: center;
    transform: translateX(100%);
    border-top-left-radius: 100px; border-bottom-left-radius: 100px;
    transition: transform .35s var(--se-ease);
    font-size: 1.05rem; z-index: 1; will-change: transform;
}
.se-service .hero-cta-primary:hover,
.se-service .btn-calc-submit:hover { background: var(--se-gold-l); }
.se-service .hero-cta-primary:hover span,
.se-service .btn-calc-submit:hover span { transform: translateX(-18px); }
.se-service .hero-cta-primary:hover i,
.se-service .btn-calc-submit:hover i { transform: translateX(0); }

.se-service .btn-calc-submit { font-size: .95rem; padding: 13px 26px; }
.se-service .btn-calc-submit i { width: 44px; }
.se-service .btn-calc-submit:hover span { transform: translateX(-14px); }
/* Form buttons full-width; inline ones stay content-sized */
.se-service .se-calc-shell .btn-calc-submit,
.se-service .se-faq-aside-card .btn-calc-submit,
.se-service .se-final-copy .btn-calc-submit { width: 100%; }

/* =========================================================
   IMAGE SLOTS — fixed sizes, graceful fallback
========================================================= */
.se-service .se-visual {
    position: relative; overflow: hidden; border-radius: 24px;
    width: 100%; max-width: 100%;
    background: linear-gradient(145deg, #f3ecfd, #e9defa);
    border: 1.5px solid #e2d4f6;
    display: grid; place-items: center;
}
.se-service .se-visual::before {
    content: ""; position: absolute; inset: 0; pointer-events: none; z-index: 0;
    background-image: radial-gradient(#6533c4 1px, transparent 1px);
    background-size: 26px 26px; opacity: .07;
}
.se-service .se-visual img {
    position: absolute; inset: 0; z-index: 1;
    width: 100%; height: 100%; max-width: 100%;
    object-fit: cover; object-position: center; display: block;
}
.se-service .se-visual-fallback {
    position: relative; z-index: 0; display: grid; place-items: center; gap: 10px;
    text-align: center; padding: 20px; color: var(--se-main);
}
.se-service .se-visual-fallback i { font-size: 2.2rem; opacity: .55; }
.se-service .se-visual-fallback small {
    font-size: .62rem; font-weight: 800; letter-spacing: 1.4px;
    color: var(--se-mute); text-transform: uppercase; opacity: .75;
}
.se-service .se-visual-tag {
    position: absolute; z-index: 2; top: 16px; left: 16px;
    background: linear-gradient(135deg, var(--se-deep), var(--se-main)); color: var(--se-gold);
    font-size: .6rem; font-weight: 800; letter-spacing: 1.2px; text-transform: uppercase;
    padding: 7px 14px; border-radius: 50px;
    box-shadow: 0 6px 14px rgba(63, 9, 130, .28);
}
.se-service .se-visual-chip {
    position: absolute; z-index: 2; bottom: 14px; left: 14px;
    display: flex; align-items: center; gap: 9px;
    padding: 10px 13px; border-radius: 14px;
    background: rgba(255, 255, 255, .88);
    -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, .9);
    box-shadow: 0 12px 26px rgba(63, 9, 130, .16);
}
.se-service .se-visual-chip i {
    width: 32px; height: 32px; display: grid; place-items: center;
    border-radius: 10px; background: #efe9fb; color: var(--se-main); font-size: .85rem; flex-shrink: 0;
}
.se-service .se-visual-chip strong { display: block; font-size: .72rem; color: var(--se-deep); }
.se-service .se-visual-chip small { display: block; font-size: .62rem; color: var(--se-mute); }

/* =========================================================
   HERO
========================================================= */
.se-service .hero-section {
    position: relative; overflow: hidden;
    margin-top: 90px; /* fixed navbar offset — set to 0 if header isn't fixed */
    display: flex; flex-direction: column; justify-content: center;
    padding: 90px 32px 40px;
    background-color: #f2ecfb;
    background-image: url('../images/hero-bg-1.jpg');
    background-size: cover; background-position: center right; background-repeat: no-repeat;
}
.se-service .hero-section::before {
    content: ''; position: absolute; top: -8%; right: -5%;
    width: 500px; height: 500px; border-radius: 50%; z-index: 0; pointer-events: none;
    background: radial-gradient(circle, rgba(253, 196, 11, .15) 0%, transparent 70%);
    animation: se-orb-a 8s ease-in-out infinite;
}
.se-service .hero-section::after {
    content: ''; position: absolute; bottom: -10%; left: -5%;
    width: 400px; height: 400px; border-radius: 50%; z-index: 0; pointer-events: none;
    background: radial-gradient(circle, rgba(101, 51, 196, .12) 0%, transparent 70%);
    animation: se-orb-b 10s ease-in-out infinite;
}
@keyframes se-orb-a { 0%,100% { transform: translate(0,0); } 50% { transform: translate(-30px,30px); } }
@keyframes se-orb-b { 0%,100% { transform: translate(0,0); } 50% { transform: translate(30px,-30px); } }

.se-service .hero-overlay { width: 100%; position: relative; z-index: 1; }
.se-service .hero-container {
    max-width: 1280px; margin: 0 auto; width: 100%;
    display: flex; align-items: center; justify-content: space-evenly;
    gap: 56px; flex-direction: row;
}
.se-service .hero-text { flex: 1 1 52%; max-width: 560px; animation: se-fade-left .9s var(--se-ease) both; }
.se-service .hero-eyebrow {
    display: inline-block; font-size: .85rem; font-weight: 700; letter-spacing: 2px;
    color: var(--se-main); background: rgba(253, 196, 11, .1);
    padding: 8px 16px; border-radius: 50px;
    border: 1px solid rgba(253, 196, 11, .3);
    margin-bottom: 24px; text-transform: uppercase;
}
.se-service .hero-text h1 {
    font-size: 3.2rem; font-weight: 800; line-height: 1.1;
    color: #140b24; margin: 0 0 24px 0; letter-spacing: -1.5px;
}
.se-service .text-purple { color: var(--se-main); }
.se-service .text-gold   { color: var(--se-gold); }
.se-service .hero-subtext { font-size: 1.08rem; line-height: 1.65; color: #4b3a68; margin: 0 0 30px 0; }
.se-service .hero-buttons { display: flex; gap: 16px; margin-bottom: 22px; flex-wrap: wrap; }
.se-service .hero-cta-secondary {
    display: inline-flex; align-items: center; justify-content: center;
    font-size: 1rem; font-weight: 800; text-decoration: none; cursor: pointer;
    border: 2px solid rgba(63, 9, 130, .3); border-radius: 999px;
    padding: 14px 30px; white-space: nowrap; color: var(--se-deep);
    background: transparent; transition: all .3s ease;
}
.se-service .hero-cta-secondary:hover {
    background: rgba(253, 196, 11, .12); border-color: var(--se-gold); color: var(--se-deep);
}
.se-service .hero-trust-line { font-size: .9rem; font-weight: 600; color: rgba(63, 9, 130, .75); letter-spacing: .5px; }
.se-service .se-hero-note {
    display: flex; gap: 10px; align-items: flex-start;
    margin-top: 20px; max-width: 520px;
    color: var(--se-mute); font-size: .78rem; line-height: 1.65;
}
.se-service .se-hero-note i { color: #128468; margin-top: 2px; }
@keyframes se-fade-left  { from { opacity: 0; transform: translateX(-40px); } to { opacity: 1; transform: translateX(0); } }
@keyframes se-fade-right { from { opacity: 0; transform: translateX(40px); }  to { opacity: 1; transform: translateX(0); } }

/* =========================================================
   CALCULATOR (hero right column, pre-computed)
========================================================= */
.se-service .se-calc-shell {
    flex: 1 1 42%; min-width: 0; width: 100%; max-width: 500px;
    position: relative; overflow: hidden; border-radius: 20px; padding: 22px;
    background: rgba(255, 255, 255, .55);
    -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
    border: 1px solid rgba(176, 161, 247, .54);
    box-shadow: 0 24px 55px rgba(63, 9, 130, .16);
    animation: se-fade-right .9s var(--se-ease) .2s both;
}
.se-service .calc-bg-decor { position: absolute; inset: 0; z-index: 0; pointer-events: none; }
.se-service .calc-grid-pattern {
    position: absolute; top: 0; left: 0; right: 0; bottom: 0;
    background-image: radial-gradient(#6533c4 1px, transparent 1px);
    background-size: 40px 40px; opacity: .05;
}
.se-service .calc-rupee-decor { position: absolute; font-size: 9rem; font-weight: 800; color: rgba(101, 51, 196, .1); line-height: 1; }
.se-service .calc-rupee-2 { bottom: -4%; right: -2%; transform: rotate(-14deg); }
.se-service .se-calc-inner { position: relative; z-index: 1; }
.se-service .calc-eyebrow {
    display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: 2px;
    color: var(--se-main); background: rgba(101, 51, 196, .1);
    padding: 6px 14px; border-radius: 50px; margin-bottom: 14px;
    text-transform: uppercase; width: fit-content;
}
.se-service .calc-tabs {
    position: relative; display: flex; padding: 8px; gap: 8px;
    box-shadow: rgba(63, 11, 129, .06) 0 8px 25px;
    border-radius: 24px; background-color: #e0ddf5;
}
.se-service .tab-indicator {
    position: absolute; top: 8px; bottom: 8px; left: 8px; width: 0;
    background: linear-gradient(135deg, #4a0b9c 0%, #3f0982 100%);
    border-radius: 24px; z-index: 0;
    box-shadow: 0 8px 20px rgba(63, 9, 130, .2);
    transition: left .5s var(--se-bounce), width .5s var(--se-bounce);
}
.se-service .calc-tab {
    flex: 1; padding: 12px; background: transparent; border: none;
    border-radius: 10px; font-family: inherit; font-size: .92rem; font-weight: 700;
    color: var(--se-mute); cursor: pointer; transition: color .3s ease;
    position: relative; z-index: 1;
}
.se-service .calc-tab.active { color: var(--se-gold); }
.se-service .calc-input-panel {
    box-shadow: rgba(63, 11, 129, .06) 0 8px 25px;
    padding: 20px; margin-top: 12px;
    display: flex; flex-direction: column; justify-content: center;
    border-radius: 20px; background: #ffffff; max-height: fit-content;
    border: 1px solid rgba(101, 51, 196, .05);
}
.se-service .calc-form { display: flex; flex-direction: column; gap: 14px; }
.se-service .calc-form.hidden { display: none; }
.se-service .input-group { display: flex; flex-direction: column; gap: 4px; flex: 1; }
.se-service .input-group label { font-size: .78rem; font-weight: 600; color: var(--se-deep); }
.se-service .input-wrap { position: relative; display: flex; align-items: center; transition: box-shadow .3s ease; }
.se-service .input-wrap:hover { box-shadow: 0 4px 14px rgba(63, 9, 130, .1); }
.se-service .currency-icon { position: absolute; left: 12px; color: var(--se-mute); font-weight: 700; font-size: .9rem; }
.se-service .input-wrap input {
    width: 100%; padding: 10px 12px 10px 32px;
    border: 2px solid var(--se-line); border-radius: 8px;
    font-family: inherit; font-size: .9rem; color: var(--se-deep);
    transition: border-color .3s ease, background .3s ease;
    outline: none; background: #faf8ff;
}
.se-service .input-wrap input:focus { border-color: var(--se-gold); background: #ffffff; }
.se-service .input-row { display: flex; gap: 12px; }
.se-service .se-calc-foot { margin: 12px 2px 0; font-size: .68rem; line-height: 1.6; color: var(--se-mute); }

.se-service .calc-result-panel {
    margin-top: 12px; border-radius: 20px; overflow: hidden;
    display: flex; flex-direction: column; position: relative;
    background: linear-gradient(135deg, rgba(63, 9, 130, .92) 0%, rgba(101, 51, 196, .85) 100%);
    color: #ffffff; box-shadow: 0 20px 40px rgba(63, 9, 130, .2); max-height: fit-content;
}
.se-service .result-state { display: none; flex-direction: column; flex: 1; height: 100%; padding: 24px; }
.se-service .result-state.active { display: flex; }
.se-service .result-state h4 {
    font-size: .78rem; font-weight: 700; letter-spacing: 1px;
    color: var(--se-gold); margin: 0 0 20px 0; text-transform: uppercase;
}
.se-service .result-empty-icon {
    width: 60px; height: 60px; background: rgba(253, 196, 11, .15);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem; color: var(--se-gold); margin: 0 auto 20px auto;
}
.se-service #resultEmpty { justify-content: center; align-items: center; text-align: center; }
.se-service #resultEmpty h5 { font-size: 1.1rem; color: #ffffff; margin: 0 0 12px 0; }
.se-service #resultEmpty p { font-size: .85rem; color: rgba(255,255,255,.8); line-height: 1.5; margin: 0; }
.se-service .result-amount-wrapper { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.se-service .result-icon-img { width: 50px; height: 50px; object-fit: contain; filter: drop-shadow(0 4px 10px rgba(253, 196, 11, .3)); }
.se-service .result-amount-text { display: flex; flex-direction: column; }
.se-service .result-amount-text span { font-size: .8rem; color: rgba(255,255,255,.8); margin-bottom: 2px; }
.se-service .result-amount-text h2 { font-size: 1.8rem; color: #ffffff; margin: 0; font-weight: 800; line-height: 1.1; }
.se-service .result-amount-text small { color: rgba(255,255,255,.7); font-size: .8rem; }
.se-service .result-save-badge {
    background: linear-gradient(135deg, #fdc40b 0%, #fdeca2 100%);
    border-radius: 10px; padding: 8px;
    display: flex; align-items: center; justify-content: center;
    color: var(--se-deep); text-align: center; margin-bottom: 20px;
}
.se-service .result-save-badge span { font-size: .7rem; font-weight: 600; }
.se-service .result-save-badge strong { font-size: 1.4rem; font-weight: 800; line-height: 1; margin: 2px 8px; }
.se-service .result-save-badge small { font-size: .7rem; font-weight: 600; }
.se-service .result-benefits-list {
    list-style: none; padding: 0; margin: 0 0 20px 0;
    display: flex; flex-direction: column; gap: 10px;
}
.se-service .result-benefits-list li { display: flex; align-items: center; gap: 8px; font-size: .85rem; color: #ffffff; font-weight: 500; }
.se-service .result-benefits-list i { color: var(--se-gold); font-size: .95rem; }
.se-service .result-breakdown {
    background: rgba(255, 255, 255, .1); border-radius: 10px; padding: 12px;
    border: 1px solid rgba(255, 255, 255, .1); margin-bottom: 20px;
}
.se-service .breakdown-row {
    display: flex; justify-content: space-between; padding: 6px 0;
    border-bottom: 1px solid rgba(255, 255, 255, .1);
    font-size: .85rem; color: rgba(255,255,255,.8);
}
.se-service .breakdown-row:last-child { border-bottom: none; }
.se-service .breakdown-row.total { font-weight: 700; color: var(--se-gold); font-size: .95rem; padding-top: 8px; }
.se-service .result-disclaimer { font-size: .7rem; color: rgba(255, 255, 255, .55); margin-top: auto; line-height: 1.4; }

/* =========================================================
   VALUE STRIP — 2-column grid (as requested)
========================================================= */
.se-service .value-strip-wrapper { max-width: 1280px; margin: 54px auto 30px auto; width: 100%; display: flex; justify-content: center; }
.se-service .value-strip {
    width: min(860px, 100%); border-radius: 32px;
    background: rgba(255, 255, 255, .6);
    -webkit-backdrop-filter: blur(16px); backdrop-filter: blur(16px);
    border: 1px solid rgba(0, 0, 0, .05);
    box-shadow: 0 20px 40px rgba(0, 0, 0, .1);
}
.se-service .value-strip-container {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    padding: 28px 44px;
    gap: 32px;
}
.se-service .value-item {
    display: flex; flex-direction: row; align-items: flex-start; gap: 14px;
    cursor: default;
    transition: transform .35s var(--se-bounce);
}
.se-service .value-item:hover { transform: translateY(-5px); }
.se-service .value-item i {
    font-size: 1.6rem; color: var(--se-main); margin-top: 4px; flex-shrink: 0;
    transition: transform .4s var(--se-bounce), color .3s ease;
}
.se-service .value-item:hover i { transform: scale(1.15); color: var(--se-gold); }
.se-service .value-item h5 { font-size: 1rem; font-weight: 700; color: #140b24; margin: 0 0 5px 0; }
.se-service .value-item p { font-size: .85rem; color: var(--se-mute); margin: 0; line-height: 1.4; }

/* =========================================================
   MARQUEE
========================================================= */
.se-service .marquee-strip {
    background: var(--se-deep); color: var(--se-gold);
    overflow: hidden; padding: 14px 0; white-space: nowrap;
    border-top: 1px solid rgba(253, 196, 11, .25);
    border-bottom: 1px solid rgba(253, 196, 11, .25);
    position: relative;
}
.se-service .marquee-strip::after {
    content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 2px;
    background: linear-gradient(90deg, transparent, var(--se-gold), transparent); opacity: .4;
}
.se-service .marquee-track { display: inline-flex; align-items: center; will-change: transform; animation: se-marquee 28s linear infinite; }
.se-service .marquee-content { display: inline-flex; align-items: center; }
.se-service .marquee-item { font-size: 1.05rem; font-weight: 800; letter-spacing: .5px; text-transform: uppercase; padding: 0 28px; }
.se-service .marquee-sep { color: var(--se-gold); font-size: .95rem; display: inline-flex; align-items: center; }
.se-service .marquee-strip:hover .marquee-track { animation-play-state: paused; }
@keyframes se-marquee { to { transform: translateX(-50%); } }

/* =========================================================
   CONTENT SECTIONS
========================================================= */
.se-service .se-container { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
.se-service .se-section { padding: 84px 0; position: relative; }
#se-how-it-works { scroll-margin-top: 110px; }

.se-service .se-head { max-width: 760px; margin: 0 auto 52px; text-align: center; }
.se-service .se-head h2, .se-service .se-h2 {
    font-size: clamp(1.9rem, 3.4vw, 2.7rem); font-weight: 800;
    color: var(--se-deep); line-height: 1.22; margin: 0 0 16px; letter-spacing: -.5px;
}
.se-service .se-head p { font-size: 1.05rem; color: var(--se-mute); line-height: 1.6; margin: 0; }
.se-service .se-eyebrow-pill {
    display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: 2px;
    color: var(--se-main); background: rgba(101, 51, 196, .1);
    padding: 8px 18px; border-radius: 50px; text-transform: uppercase;
}
.se-service .se-kicker {
    display: block; font-size: .66rem; font-weight: 800; letter-spacing: 1.6px;
    color: var(--se-main); text-transform: uppercase; margin-bottom: 8px;
}

/* ---------- Section 2 · A BETTER VIEW OF YOUR DEBT ---------- */
.se-service .se-problem-grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 48px; align-items: center; }
.se-service .se-problem-copy > p { color: var(--se-mute); font-size: .98rem; line-height: 1.8; }
.se-service .se-problem-list { display: grid; gap: 12px; margin: 22px 0 26px; }
.se-service .se-problem-list div { display: flex; gap: 10px; align-items: flex-start; color: #4b3a68; font-size: .88rem; line-height: 1.55; }
.se-service .se-problem-list i { color: var(--se-main); margin-top: 4px; }
.se-service .se-problem-visual { aspect-ratio: 16 / 10; max-height: 340px; }

.se-service .se-ocards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.se-service .se-ocard {
    position: relative; overflow: hidden;
    padding: 30px 26px 26px; border-radius: 24px; border: 1px solid transparent;
    transition: transform .45s var(--se-bounce), box-shadow .45s ease, border-color .45s ease;
}
.se-service .se-ocard:nth-child(1) { background: linear-gradient(145deg, #fff9e8, #fff3d4); border-color: #f5e5b6; }
.se-service .se-ocard:nth-child(2) { background: linear-gradient(145deg, #f3ecfd, #e9defa); border-color: #e2d4f6; }
.se-service .se-ocard:nth-child(3) { background: linear-gradient(145deg, #effbf5, #e3f5ec); border-color: #d8f1e4; }
.se-service .se-ocard:nth-child(4) { background: linear-gradient(145deg, #fdf0e9, #f8e3d6); border-color: #f3d9c8; }
.se-service .se-ocard:hover {
    transform: translateY(-10px) scale(1.02);
    border-color: rgba(253,196,11,.6);
    box-shadow: 0 25px 50px -12px rgba(63,9,130,.22);
}
.se-service .se-ocard-ico {
    position: relative; z-index: 2; width: 60px; height: 60px; margin-bottom: 20px;
    display: grid; place-items: center; border-radius: 17px; font-size: 1.35rem;
    background: rgba(255,255,255,.75); border: 1.5px solid rgba(255,255,255,.95);
    box-shadow: 0 6px 16px rgba(63,9,130,.08);
    transition: transform .4s var(--se-bounce);
}
.se-service .se-ocard:nth-child(1) .se-ocard-ico { color: #a97a00; }
.se-service .se-ocard:nth-child(2) .se-ocard-ico { color: var(--se-main); }
.se-service .se-ocard:nth-child(3) .se-ocard-ico { color: #128468; }
.se-service .se-ocard:nth-child(4) .se-ocard-ico { color: #b05f33; }
.se-service .se-ocard:hover .se-ocard-ico { transform: scale(1.1) translateY(-3px); }
.se-service .se-ocard h3 {
    position: relative; z-index: 2; margin: 0 0 10px; font-size: 1.12rem;
    font-weight: 800; color: var(--se-deep); width: fit-content;
}
.se-service .se-ocard h3::after {
    content: ""; position: absolute; left: 0; bottom: -5px; width: 42px; height: 3px; border-radius: 3px;
    background: linear-gradient(90deg, var(--se-gold), var(--se-main));
    transform: scaleX(0); transform-origin: left;
    transition: transform .45s var(--se-bounce), width .45s var(--se-bounce);
}
.se-service .se-ocard:hover h3::after { transform: scaleX(1); width: 76px; }
.se-service .se-ocard p { position: relative; z-index: 2; margin: 0; color: var(--se-mute); font-size: .84rem; line-height: 1.65; }
.se-service .se-ocard-num {
    position: absolute; right: 14px; bottom: 2px; z-index: 1;
    font-size: 3.2rem; font-weight: 800; line-height: 1; color: rgba(101, 51, 196, .08);
    pointer-events: none;
}

/* ---------- Section 3 · IS SHIFTEMI RIGHT FOR YOU ---------- */
.se-service .se-help { position: relative; }
.se-service .se-help::before {
    content: ""; position: absolute; inset: 0; pointer-events: none;
    background-image: radial-gradient(#6533c4 1px, transparent 1px);
    background-size: 34px 34px; opacity: .04;
}
.se-service .se-help-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; position: relative; z-index: 1; }
.se-service .se-help-card {
    position: relative; overflow: hidden;
    padding: 18px 22px 24px; border-radius: 24px;
    background: #fff; border: 1px solid var(--se-line);
    transition: transform .45s var(--se-bounce), box-shadow .45s ease, border-color .45s ease;
}
.se-service .se-help-card:hover {
    transform: translateY(-10px) scale(1.02);
    border-color: rgba(253,196,11,.6);
    box-shadow: 0 25px 50px -12px rgba(63,9,130,.22);
}
.se-service .se-help-visual { aspect-ratio: 16 / 10; border-radius: 18px; margin-bottom: 20px; }
.se-service .se-help-visual img { transition: transform .55s var(--se-ease); }
.se-service .se-help-card:hover .se-help-visual img { transform: scale(1.06); } /* classic grow */
.se-service .se-help-visual .se-visual-tag { top: 12px; left: 12px; font-size: .56rem; }
.se-service .se-help-visual .se-visual-fallback i { font-size: 1.8rem; }
.se-service .se-help-card h3 { position: relative; z-index: 2; margin: 0 0 10px; font-size: 1.18rem; font-weight: 800; color: var(--se-deep); }
.se-service .se-help-card p { position: relative; z-index: 2; margin: 0; color: var(--se-mute); font-size: .88rem; line-height: 1.65; }
.se-service .se-help-num {
    position: absolute; right: 14px; bottom: 4px; z-index: 1;
    font-size: 3rem; font-weight: 800; line-height: 1; color: rgba(101, 51, 196, .07);
    pointer-events: none;
}

/* ---------- Section 4 · HOW IT WORKS — scroll-driven journey ---------- */
.se-service .se-process-wrap {
    border: 2px solid var(--se-line); border-radius: 28px;
    background: linear-gradient(180deg, #f0e7fb, #e7dbf8);
    padding: 64px 44px; position: relative; overflow: hidden;
}
.se-service .se-process-head {
    display: grid; grid-template-columns: 1.05fr .95fr; gap: 40px;
    align-items: center; max-width: 1080px; margin: 0 auto 64px;
}
.se-service .se-process-head p { color: var(--se-mute); font-size: 1rem; line-height: 1.6; margin: 0; }
.se-service .se-process-visual { aspect-ratio: 16 / 10; max-height: 300px; }

.se-service .se-journey { position: relative; max-width: 960px; margin: 0 auto; padding: 8px 0; }
.se-service .se-journey-rail {
    position: absolute; left: 50%; top: 0; bottom: 0; width: 3px;
    transform: translateX(-50%); border-radius: 3px;
    background: #d9cdf0; overflow: hidden;
}
.se-service .se-journey-fill {
    position: absolute; top: 0; left: 0; width: 100%; height: 0%;
    background: linear-gradient(180deg, var(--se-main), var(--se-gold));
    border-radius: 3px;
}
.se-service .se-jstep {
    display: grid; grid-template-columns: 1fr 72px 1fr;
    gap: 26px; align-items: center; margin-bottom: 46px;
    position: relative; z-index: 1;
}
.se-service .se-jstep:last-child { margin-bottom: 0; }
.se-service .se-jstep-marker {
    grid-column: 2; grid-row: 1; width: 60px; height: 60px; border-radius: 50%;
    display: grid; place-items: center;
    background: #fff; border: 2px solid var(--se-line);
    color: var(--se-main); font-weight: 800; font-size: 1rem;
    box-shadow: 0 8px 20px rgba(63,9,130,.08);
    transition: transform .45s var(--se-bounce), background .35s ease, color .35s ease, border-color .35s ease, box-shadow .35s ease;
}
.se-service .se-jstep.is-active .se-jstep-marker {
    background: linear-gradient(135deg, var(--se-deep), var(--se-main));
    border-color: transparent; color: var(--se-gold);
    transform: scale(1.12);
    box-shadow: 0 12px 26px rgba(63,9,130,.3);
}
.se-service .se-jstep-card {
    grid-row: 1;
    background: #fff; border: 1px solid var(--se-line); border-radius: 22px;
    padding: 26px 28px;
    transition: transform .4s var(--se-bounce), box-shadow .4s ease, border-color .4s ease;
}
.se-service .se-jstep-card:hover { transform: translateY(-5px) scale(1.01); box-shadow: 0 18px 38px rgba(63,9,130,.14); }
.se-service .se-jstep.is-active .se-jstep-card { border-color: rgba(253,196,11,.65); box-shadow: 0 16px 34px rgba(63,9,130,.12); }
.se-service .se-jstep-tag {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: .62rem; font-weight: 800; letter-spacing: 1.4px;
    color: var(--se-main); text-transform: uppercase;
}
.se-service .se-jstep-tag i { font-size: .85rem; }
.se-service .se-jstep-card h3 { margin: 8px 0 8px; font-size: 1.15rem; font-weight: 800; color: var(--se-deep); }
.se-service .se-jstep-card p { margin: 0; color: var(--se-mute); font-size: .87rem; line-height: 1.65; }
.se-service .se-jstep-ghost {
    grid-row: 1; align-self: center; text-align: center;
    font-size: 4.5rem; font-weight: 800; line-height: 1;
    color: rgba(101, 51, 196, .08); pointer-events: none; user-select: none;
}
.se-service .se-jstep:nth-of-type(odd) .se-jstep-card { grid-column: 1; text-align: right; }
.se-service .se-jstep:nth-of-type(odd) .se-jstep-ghost { grid-column: 3; }
.se-service .se-jstep:nth-of-type(even) .se-jstep-card { grid-column: 3; text-align: left; }
.se-service .se-jstep:nth-of-type(even) .se-jstep-ghost { grid-column: 1; }
/* Entrance (JS-gated so content stays visible without JS) */
.se-journey.se-js .se-jstep { opacity: 0; transform: translateY(28px); transition: opacity .5s ease, transform .55s var(--se-bounce); }
.se-journey.se-js .se-jstep.is-active { opacity: 1; transform: none; }

/* ---------- Section 5 · FAQ ---------- */
.se-service .se-faq-grid { display: grid; grid-template-columns: .38fr .62fr; gap: 40px; align-items: start; }
.se-service .se-faq-aside { position: sticky; top: 110px; display: grid; gap: 18px; }
.se-service .se-faq-aside .se-visual { aspect-ratio: 4 / 3; }
.se-service .se-faq-aside-card {
    padding: 24px; border-radius: 20px;
    background: linear-gradient(135deg, var(--se-deep) 0%, var(--se-main) 100%);
    color: #fff; box-shadow: 0 16px 36px rgba(63,9,130,.2);
    position: relative; overflow: hidden;
}
.se-service .se-faq-aside-card::before {
    content: ""; position: absolute; top: -50%; right: -15%; width: 220px; height: 220px;
    background: radial-gradient(circle, rgba(253,196,11,.16) 0%, transparent 70%); border-radius: 50%;
}
.se-service .se-faq-aside-card h3 { position: relative; margin: 0 0 8px; font-size: 1.15rem; font-weight: 800; }
.se-service .se-faq-aside-card p { position: relative; margin: 0 0 18px; font-size: .82rem; line-height: 1.65; color: rgba(255,255,255,.82); }
.se-service .se-faq-list { display: grid; gap: 12px; }
.se-service .se-faq-list details { border: 1px solid var(--se-line); border-radius: 18px; background: #fff; transition: border-color .3s ease, box-shadow .3s ease; }
.se-service .se-faq-list details:hover { border-color: #cabcf0; }
.se-service .se-faq-list details[open] { border-color: rgba(253,196,11,.7); box-shadow: 0 12px 28px rgba(63,9,130,.08); }
.se-service .se-faq-list summary {
    position: relative; padding: 18px 52px 18px 22px; cursor: pointer; list-style: none;
    font-size: .92rem; font-weight: 800; color: var(--se-deep);
}
.se-service .se-faq-list summary::-webkit-details-marker { display: none; }
.se-service .se-faq-list summary::after {
    content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
    width: 26px; height: 26px; display: grid; place-items: center; border-radius: 50%;
    background: #f4effc; color: var(--se-main); font-size: 16px; font-weight: 600;
    transition: all .3s var(--se-bounce);
}
.se-service .se-faq-list details[open] summary::after { content: "−"; background: var(--se-gold); color: var(--se-deep); }
.se-service .se-faq-list details p { margin: 0; padding: 0 22px 20px; color: var(--se-mute); font-size: .84rem; line-height: 1.8; }

/* ---------- Section 6 · FINAL CTA ---------- */
.se-service .se-final { padding: 0 0 76px; }
.se-service .se-final-panel {
    position: relative; overflow: hidden;
    display: flex; align-items: center; gap: 40px;
    padding: 46px 48px; border-radius: 28px;
    background: linear-gradient(135deg, var(--se-deep) 0%, var(--se-main) 100%);
    box-shadow: 0 20px 50px rgba(63,9,130,.2);
}
.se-service .se-final-panel::before {
    content: ""; position: absolute; top: -55%; right: -8%; width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(253,196,11,.14) 0%, transparent 70%); border-radius: 50%;
    pointer-events: none;
}
.se-service .se-final-copy { flex: 1; position: relative; z-index: 1; }
.se-service .se-final-copy small { color: var(--se-gold); font-size: .66rem; font-weight: 800; letter-spacing: 1.4px; text-transform: uppercase; }
.se-service .se-final-copy h2 { margin: 8px 0; font-size: clamp(1.5rem, 2.8vw, 2rem); font-weight: 800; color: #fff; letter-spacing: -.6px; line-height: 1.25; }
.se-service .se-final-copy p { margin: 0 0 22px; color: rgba(255,255,255,.82); font-size: .86rem; line-height: 1.75; max-width: 560px; }
.se-service .se-final-visual { flex: 0 0 300px; aspect-ratio: 4 / 3; border-color: rgba(255,255,255,.3); }
.se-service .se-final-visual .se-visual-fallback { color: #fff; }
.se-service .se-final-visual .se-visual-fallback small { color: rgba(255,255,255,.75); }
.se-service .se-disclaimer { max-width: 1060px; margin: 20px auto 0; color: #7d7490; font-size: .7rem; line-height: 1.8; }
.se-service .se-disclaimer strong { color: #5a4f70; }

/* Reveal */
.se-service .se-pending { opacity: 0; transform: translateY(18px); }
.se-service .se-pending.se-visible { opacity: 1; transform: none; transition: opacity .6s ease, transform .6s var(--se-ease); }

/* =========================================================
   RESPONSIVE
========================================================= */
@media (max-width: 1100px) {
    .se-service .hero-text h1 { font-size: 2.7rem; }
}
@media (max-width: 1000px) {
    .se-service .hero-container { flex-direction: column; align-items: center; gap: 44px; }
    .se-service .hero-text { max-width: 100%; }
    .se-service .se-calc-shell { max-width: 560px; margin: 0 auto; }
    .se-service .se-problem-grid { grid-template-columns: 1fr; gap: 36px; }
    .se-service .se-help-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
    .se-service .se-help-card:nth-child(3) { grid-column: 1 / -1; max-width: 60%; margin: 0 auto; width: 100%; }
    .se-service .se-process-head { grid-template-columns: 1fr; gap: 28px; }
    .se-service .se-faq-grid { grid-template-columns: 1fr; gap: 32px; }
    .se-service .se-faq-aside { position: static; }
    .se-service .se-final-panel { flex-direction: column; align-items: stretch; }
    .se-service .se-final-visual { flex: auto; }
}
/* Journey → left rail on mobile */
@media (max-width: 820px) {
    .se-service .se-journey-rail { left: 29px; transform: none; }
    .se-service .se-jstep { grid-template-columns: 58px 1fr; gap: 16px; margin-bottom: 22px; }
    .se-service .se-jstep .se-jstep-marker { grid-column: 1; width: 52px; height: 52px; font-size: .9rem; }
    .se-service .se-jstep:nth-of-type(odd) .se-jstep-card,
    .se-service .se-jstep:nth-of-type(even) .se-jstep-card { grid-column: 2; text-align: left; padding: 20px; border-radius: 18px; }
    .se-service .se-jstep-ghost { display: none; }
}
@media (max-width: 700px) {
    .se-service .hero-section { margin-top: 0; padding: 110px 0 30px; background-position: center top; }
    .se-service .hero-container { padding: 0 28px; gap: 34px; }
    .se-service .hero-text h1 { font-size: 2.2rem; letter-spacing: -1px; }
    .se-service .hero-subtext { font-size: 1rem; }
    .se-service .se-calc-shell { padding: 16px; }
    .se-service .value-strip-container { grid-template-columns: 1fr; padding: 22px 24px; gap: 20px; }
    .se-service .marquee-item { font-size: .9rem; padding: 0 18px; }
}
@media (max-width: 640px) {
    .se-service .se-container { padding: 0 20px; }
    .se-service .se-section { padding: 60px 0; }
    .se-service .se-head { margin-bottom: 34px; }
    .se-service .se-ocards { grid-template-columns: 1fr; gap: 16px; }
    .se-service .se-help-grid { grid-template-columns: 1fr; }
    .se-service .se-help-card:nth-child(3) { grid-column: auto; max-width: 100%; }
    .se-service .se-process-wrap { padding: 36px 20px; border-radius: 22px; }
    .se-service .se-final-panel { padding: 30px 24px; border-radius: 22px; }
}
@media (max-width: 500px) {
    .se-service .hero-buttons { flex-direction: column; }
    .se-service .hero-buttons .hero-cta-primary,
    .se-service .hero-buttons .hero-cta-secondary { width: 100%; }
}
@media (max-width: 480px) {
    .se-service .input-row { flex-direction: column; gap: 14px; }
    .se-service .result-amount-text h2 { font-size: 1.6rem; }
}
@media (prefers-reduced-motion: reduce) {
    .se-service *, .se-service *::before, .se-service *::after {
        animation: none !important; transition-duration: .01ms !important;
    }
    .se-service .se-pending, .se-journey.se-js .se-jstep { opacity: 1; transform: none; }
    .se-service .marquee-strip { overflow-x: auto; }
}