:root {
            --um-primary: #247C72;
            --um-primary-dark: #1D665E;
            --um-primary-light: #EAF6F3;
            --um-secondary: #F4A340;
            --um-dark: #172B2A;
            --um-text: #607371;
            --um-white: #ffffff;
            --um-border: #DCEAE7;
        }

        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        body {
            font-family: "Inter", sans-serif;
            color: var(--um-dark);
            background: #fff;
        }

        /* =========================
           NAVBAR
        ========================= */

        .um-navbar {
            background: rgba(255, 255, 255, 0.96);
            border-bottom: 1px solid #edf2f1;
            min-height: 88px;
            position: relative;
            z-index: 999;
        }

        .um-navbar .container {
            max-width: 1140px;
        }

        /* Logo */

        .um-logo {
            text-decoration: none;
            display: inline-flex;
            align-items: center;
            gap: 10px;
        }

        .um-logo-icon {
            width: 43px;
            height: 43px;
            border-radius: 12px;
            background: var(--um-primary);
            display: flex;
            align-items: center;
            justify-content: center;
            color: #fff;
            font-size: 21px;
            font-weight: 800;
            position: relative;
            overflow: hidden;
            box-shadow: 0 8px 20px rgba(36, 124, 114, 0.18);
        }

        .um-logo-icon::after {
            content: "";
            position: absolute;
            width: 25px;
            height: 25px;
            border: 2px solid var(--um-secondary);
            border-radius: 50%;
            right: -8px;
            bottom: -9px;
        }

        .um-logo-text {
            font-size: 21px;
            font-weight: 800;
            color: var(--um-dark);
            letter-spacing: -0.6px;
        }

        .um-logo-text span {
            color: var(--um-primary);
        }

        /* Menu */

        .um-navbar .nav-link {
            color: #5E6D6B;
            font-size: 14px;
            font-weight: 600;
            padding: 10px 12px !important;
            transition: 0.3s ease;
            position: relative;
        }

        .um-navbar .nav-link:hover,
        .um-navbar .nav-link.active {
            color: var(--um-primary);
        }

        .um-navbar .nav-link.active::after {
            content: "";
            position: absolute;
            left: 12px;
            right: 12px;
            bottom: 2px;
            height: 2px;
            background: var(--um-primary);
            border-radius: 20px;
        }

        /* Apply Button */

        .um-apply-btn {
            background: var(--um-primary);
            color: #fff !important;
            padding: 13px 22px !important;
            border-radius: 13px;
            font-weight: 700 !important;
            display: inline-flex !important;
            align-items: center;
            gap: 12px;
            border: 1px solid var(--um-primary);
            transition: all 0.3s ease;
            box-shadow: 0 8px 20px rgba(36, 124, 114, 0.16);
        }

        .um-apply-btn:hover {
            background: var(--um-primary-dark);
            transform: translateY(-2px);
            box-shadow: 0 12px 25px rgba(36, 124, 114, 0.22);
        }

        .um-apply-btn i {
            font-size: 18px;
        }

        /* Mobile */

        .navbar-toggler {
            border: 0;
            box-shadow: none !important;
            font-size: 25px;
            color: var(--um-primary);
        }

        @media(max-width: 991px) {

            .um-navbar {
                min-height: 75px;
            }

            .um-navbar .navbar-collapse {
                background: #fff;
                padding: 20px;
                margin-top: 12px;
                border-radius: 16px;
                box-shadow: 0 15px 40px rgba(20, 60, 55, 0.10);
            }

            .um-navbar .nav-link {
                padding: 12px 8px !important;
            }

            .um-navbar .nav-link.active::after {
                display: none;
            }

            .um-apply-btn {
                justify-content: center;
                margin-top: 10px;
            }
        }


        /* =========================
           HERO
        ========================= */

        .um-hero {
            background:
                radial-gradient(
                    circle at 90% 10%,
                    rgba(244, 163, 64, 0.08),
                    transparent 28%
                ),
                linear-gradient(
                    135deg,
                    #F1F9F7 0%,
                    #EAF6F3 55%,
                    #F7FBFA 100%
                );

            min-height: 690px;
            display: flex;
            align-items: center;
            position: relative;
            overflow: hidden;
            padding: 80px 0;
        }

        /* Decorative shapes */

        .um-hero::before {
            content: "";
            position: absolute;
            width: 400px;
            height: 400px;
            border-radius: 50%;
            border: 1px solid rgba(36, 124, 114, 0.08);
            top: -170px;
            left: -150px;
        }

        .um-hero::after {
            content: "";
            position: absolute;
            width: 500px;
            height: 500px;
            border-radius: 50%;
            border: 1px solid rgba(244, 163, 64, 0.09);
            right: -250px;
            bottom: -250px;
        }

        .um-hero .container {
            position: relative;
            z-index: 2;
        }

        /* Hero left */

        .um-hero-content {
            padding-right: 40px;
        }

        .um-trust-badge {
            display: inline-flex;
            align-items: center;
            gap: 9px;
            background: rgba(255,255,255,0.90);
            border: 1px solid var(--um-border);
            padding: 9px 15px;
            border-radius: 50px;
            font-size: 13px;
            color: #607371;
            font-weight: 600;
            margin-bottom: 25px;
            box-shadow: 0 5px 20px rgba(20, 60, 55, 0.04);
        }

        .um-trust-icon {
            width: 26px;
            height: 26px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            background: var(--um-primary-light);
            color: var(--um-primary);
            font-size: 14px;
        }

        .um-hero h1 {
            font-size: clamp(45px, 5.3vw, 72px);
            line-height: 1.02;
            font-weight: 800;
            letter-spacing: -4px;
            color: var(--um-dark);
            margin-bottom: 25px;
            max-width: 700px;
        }

        .um-highlight {
            color: var(--um-primary);
            position: relative;
            white-space: nowrap;
        }

        .um-highlight::after {
            content: "";
            position: absolute;
            height: 7px;
            background: rgba(244, 163, 64, 0.40);
            left: 3px;
            right: 3px;
            bottom: 1px;
            border-radius: 10px;
            z-index: -1;
        }

        .um-hero-description {
            font-size: 17px;
            line-height: 1.8;
            color: var(--um-text);
            max-width: 650px;
            margin-bottom: 30px;
        }

        /* Buttons */

        .um-hero-buttons {
            display: flex;
            align-items: center;
            gap: 14px;
            flex-wrap: wrap;
        }

        .um-btn-primary {
            background: var(--um-primary);
            color: #fff;
            text-decoration: none;
            padding: 15px 23px;
            border-radius: 13px;
            font-size: 14px;
            font-weight: 700;
            display: inline-flex;
            align-items: center;
            gap: 17px;
            transition: 0.3s ease;
            box-shadow: 0 10px 25px rgba(36, 124, 114, 0.20);
        }

        .um-btn-primary:hover {
            background: var(--um-primary-dark);
            color: #fff;
            transform: translateY(-3px);
        }

        .um-btn-primary i {
            font-size: 18px;
        }

        .um-btn-outline {
            background: rgba(255,255,255,0.65);
            color: var(--um-primary);
            border: 1px solid var(--um-primary);
            text-decoration: none;
            padding: 14px 22px;
            border-radius: 13px;
            font-size: 14px;
            font-weight: 700;
            display: inline-flex;
            align-items: center;
            gap: 10px;
            transition: 0.3s ease;
        }

        .um-btn-outline:hover {
            background: var(--um-primary);
            color: #fff;
        }

        /* Benefits */

        .um-benefits {
            display: flex;
            align-items: center;
            gap: 25px;
            flex-wrap: wrap;
            margin-top: 32px;
        }

        .um-benefit {
            display: flex;
            align-items: center;
            gap: 8px;
            color: #61716F;
            font-size: 13px;
            font-weight: 600;
        }

        .um-benefit i {
            color: var(--um-primary);
            font-size: 17px;
        }


        /* =========================
           HERO VISUAL
        ========================= */

        .um-hero-visual {
            position: relative;
            padding-left: 20px;
        }

        .um-main-image {
            height: 500px;
            width: 100%;
            border-radius: 34px;
            object-fit: cover;
            display: block;
            box-shadow: 0 25px 60px rgba(31, 80, 74, 0.15);
        }

        .um-image-overlay {
            position: absolute;
            inset: 0;
            border-radius: 34px;
            background: linear-gradient(
                180deg,
                rgba(255,255,255,0.02),
                rgba(20,60,55,0.08)
            );
            pointer-events: none;
        }

        /* Floating Card */

        .um-floating-card {
            position: absolute;
            left: -10px;
            bottom: 35px;
            background: #fff;
            padding: 18px 22px;
            border-radius: 20px;
            min-width: 255px;
            display: flex;
            align-items: center;
            gap: 14px;
            box-shadow: 0 20px 45px rgba(23, 60, 55, 0.16);
            animation: umFloat 4s ease-in-out infinite;
        }

        .um-floating-icon {
            width: 52px;
            height: 52px;
            min-width: 52px;
            border-radius: 16px;
            background: var(--um-primary-light);
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--um-primary);
            font-size: 23px;
        }

        .um-floating-title {
            color: var(--um-dark);
            font-size: 13px;
            font-weight: 700;
            margin-bottom: 3px;
        }

        .um-floating-text {
            color: #899694;
            font-size: 14px;
            margin: 0;
        }

        /* Rate Card */

        .um-rate-card {
            position: absolute;
            right: -18px;
            top: 35px;
            background: rgba(255,255,255,0.96);
            border: 1px solid rgba(255,255,255,0.8);
            padding: 16px 20px;
            border-radius: 17px;
            box-shadow: 0 15px 35px rgba(20,60,55,0.10);
            min-width: 150px;
        }

        .um-rate-label {
            font-size: 13px;
            color: #7B8987;
            font-weight: 600;
            margin-bottom: 5px;
        }

        .um-rate-value {
            font-size: 22px;
            font-weight: 800;
            color: var(--um-primary);
        }

        .um-rate-value span {
            font-size: 13px;
            color: #788583;
            font-weight: 500;
        }

        @keyframes umFloat {
            0%, 100% {
                transform: translateY(0);
            }
            50% {
                transform: translateY(-10px);
            }
        }


        /* =========================
           MINI TRUST STRIP
        ========================= */

        .um-trust-strip {
            background: #fff;
            border-bottom: 1px solid #edf3f1;
            padding: 18px 0;
        }

        .um-trust-strip-item {
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 9px;
            color: #667572;
            font-size: 13px;
            font-weight: 600;
        }

        .um-trust-strip-item i {
            color: var(--um-primary);
            font-size: 17px;
        }


        /* =========================
           RESPONSIVE
        ========================= */

        @media(max-width: 1199px) {

            .um-navbar .container {
                max-width: 960px;
            }

            .um-navbar .nav-link {
                padding-left: 8px !important;
                padding-right: 8px !important;
            }

            .um-hero-content {
                padding-right: 15px;
            }

            .um-main-image {
                height: 460px;
            }

            .um-floating-card {
                left: -5px;
            }

            .um-rate-card {
                right: -5px;
            }
        }

        @media(max-width: 991px) {

            .um-hero {
                padding: 65px 0 80px;
            }

            .um-hero-content {
                text-align: center;
                padding-right: 0;
            }

            .um-trust-badge {
                margin-bottom: 22px;
            }

            .um-hero h1 {
                letter-spacing: -2.5px;
                margin-left: auto;
                margin-right: auto;
            }

            .um-hero-description {
                margin-left: auto;
                margin-right: auto;
            }

            .um-hero-buttons {
                justify-content: center;
            }

            .um-benefits {
                justify-content: center;
            }

            .um-hero-visual {
                margin-top: 55px;
                padding-left: 0;
                padding-right: 0;
            }

            .um-main-image {
                height: 480px;
            }
        }

        @media(max-width: 575px) {

            .um-hero {
                min-height: auto;
                padding: 50px 0 65px;
            }

            .um-hero h1 {
                font-size: 43px;
                letter-spacing: -2px;
            }

            .um-hero-description {
                font-size: 13px;
                line-height: 1.7;
            }

            .um-hero-buttons {
                flex-direction: column;
                width: 100%;
            }

            .um-btn-primary,
            .um-btn-outline {
                width: 100%;
                justify-content: center;
            }

            .um-benefits {
                gap: 12px 18px;
            }

            .um-benefit {
                font-size: 14px;
            }

            .um-main-image {
                height: 390px;
                border-radius: 25px;
            }

            .um-floating-card {
                left: 15px;
                bottom: 20px;
                min-width: auto;
                right: 15px;
            }

            .um-rate-card {
                right: 15px;
                top: 18px;
                padding: 12px 15px;
            }

            .um-rate-value {
                font-size: 18px;
            }

            .um-trust-strip {
                padding: 20px 0;
            }

            .um-trust-strip-item {
                margin: 7px 0;
            }
        }
/* ==========================================
   ABOUT SECTION
========================================== */

.um-about-section {
    background: #ffffff;
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 20px;
}

.um-about-content h2 {
    font-size: clamp(36px, 4vw, 54px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    color: #172B2A;
    margin-bottom: 25px;
    max-width: 600px;
}

.um-about-content h2 span {
    color: #247C72;
}

.um-about-lead {
    color: #445654;
    font-size: 17px;
    line-height: 1.75;
    font-weight: 600;
    max-width: 590px;
    margin-bottom: 16px;
}

.um-about-text {
    color: #70807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 590px;
    margin-bottom: 13px;
}

.um-about-btn {
    margin-top: 18px;
    display: inline-flex;
    align-items: center;
    gap: 14px;
    padding: 14px 21px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    border-radius: 12px;
    font-size: 13px;
    font-weight: 700;
    transition: 0.3s ease;
}

.um-about-btn:hover {
    color: #fff;
    background: #1D665E;
    transform: translateY(-3px);
    box-shadow: 0 12px 25px rgba(36,124,114,0.18);
}


/* Visual */

.um-about-visual {
    min-height: 510px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #F1F9F7;
    border-radius: 35px;
    padding: 50px;
    overflow: hidden;
}

.um-about-visual::before {
    content: "";
    position: absolute;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: rgba(36,124,114,0.07);
    top: -170px;
    right: -120px;
}

.um-about-visual::after {
    content: "";
    position: absolute;
    width: 240px;
    height: 240px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,0.20);
    bottom: -100px;
    left: -80px;
}

.um-about-main-card {
    background: #fff;
    border-radius: 25px;
    padding: 35px;
    max-width: 430px;
    width: 100%;
    position: relative;
    z-index: 2;
    box-shadow: 0 25px 55px rgba(27,70,65,0.12);
}

.um-about-icon {
    width: 58px;
    height: 58px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 17px;
    font-size: 25px;
    margin-bottom: 22px;
}

.um-about-main-card h3 {
    font-size: 24px;
    line-height: 1.3;
    font-weight: 800;
    color: #172B2A;
    margin-bottom: 12px;
}

.um-about-main-card > p {
    font-size: 13px;
    line-height: 1.8;
    color: #71807E;
    margin-bottom: 22px;
}

.um-about-line {
    height: 1px;
    background: #E8EFED;
    margin-bottom: 20px;
}

.um-about-point {
    display: flex;
    align-items: center;
    gap: 11px;
    color: #52625F;
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 14px;
}

.um-about-point span {
    width: 24px;
    height: 24px;
    min-width: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50%;
    font-size: 13px;
}


/* Floating Card */

.um-about-floating {
    position: absolute;
    z-index: 4;
    left: 12px;
    bottom: 35px;
    background: #fff;
    padding: 14px 17px;
    border-radius: 15px;
    display: flex;
    align-items: center;
    gap: 11px;
    box-shadow: 0 15px 35px rgba(27,70,65,0.15);
    animation: umAboutFloat 4s ease-in-out infinite;
}

.um-about-floating-icon {
    width: 43px;
    height: 43px;
    border-radius: 12px;
    background: #FFF4E4;
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-about-floating strong {
    display: block;
    color: #172B2A;
    font-size: 14px;
    margin-bottom: 3px;
}

.um-about-floating small {
    color: #899694;
    font-size: 13px;
}

@keyframes umAboutFloat {

    0%,100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-8px);
    }

}


/* Features */

.um-about-feature {
    display: flex;
    gap: 15px;
    padding: 20px 15px;
    border-top: 1px solid #E9F0EE;
}

.um-feature-icon {
    min-width: 45px;
    width: 45px;
    height: 45px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 13px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.um-about-feature h4 {
    font-size: 14px;
    font-weight: 800;
    color: #172B2A;
    margin-bottom: 7px;
}

.um-about-feature p {
    color: #7A8986;
    font-size: 14px;
    line-height: 1.7;
    margin: 0;
    max-width: 260px;
}


/* Responsive */

@media(max-width: 991px) {

    .um-about-section {
        padding: 75px 0;
    }

    .um-about-content {
        text-align: center;
    }

    .um-about-content h2,
    .um-about-lead,
    .um-about-text {
        margin-left: auto;
        margin-right: auto;
    }

    .um-about-btn {
        justify-content: center;
    }

    .um-about-visual {
        margin-top: 20px;
        min-height: 480px;
    }

}

@media(max-width: 575px) {

    .um-about-section {
        padding: 60px 0;
    }

    .um-about-content h2 {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-about-visual {
        padding: 25px 15px;
        min-height: 500px;
        border-radius: 25px;
    }

    .um-about-main-card {
        padding: 25px;
    }

    .um-about-floating {
        left: 15px;
        right: 15px;
        bottom: 18px;
    }

}

/* ==========================================
   HOW IT WORKS
========================================== */

.um-how-section {
    padding: 105px 0;
    background: #F7FBFA;
    position: relative;
    overflow: hidden;
}

.um-how-section::before {
    content: "";
    position: absolute;
    width: 420px;
    height: 420px;
    border: 1px solid rgba(36, 124, 114, 0.07);
    border-radius: 50%;
    left: -220px;
    top: -170px;
}

.um-how-section::after {
    content: "";
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    border: 1px solid rgba(244, 163, 64, 0.08);
    right: -180px;
    bottom: -180px;
}

.um-how-section .container {
    position: relative;
    z-index: 2;
}


/* Badge */

.um-how-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 20px;
}


/* Heading */

.um-how-title {
    color: #172B2A;
    font-size: clamp(36px, 4vw, 53px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 20px;
}

.um-how-title span {
    color: #247C72;
}

.um-how-subtitle {
    color: #71807D;
    font-size: 13px;
    line-height: 1.8;
    max-width: 720px;
    margin: 0 auto;
}


/* Process */

.um-process-wrapper {
    position: relative;
    margin-top: 65px;
}


/* Connecting Line */

.um-process-line {
    position: absolute;
    top: 44px;
    left: 12%;
    right: 12%;
    height: 1px;
    border-top: 2px dashed #CDE2DE;
    z-index: 0;
}


/* Card */

.um-process-card {
    background: #fff;
    border: 1px solid #E2EEEB;
    border-radius: 22px;
    padding: 25px;
    min-height: 310px;
    position: relative;
    z-index: 1;
    transition: all 0.35s ease;
    box-shadow: 0 10px 30px rgba(31, 80, 74, 0.04);
}

.um-process-card:hover {
    transform: translateY(-8px);
    border-color: #BBDDD7;
    box-shadow: 0 20px 45px rgba(31, 80, 74, 0.11);
}


/* Top */

.um-step-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 28px;
}


/* Number */

.um-step-number {
    color: #B4C8C5;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1px;
}


/* Icon */

.um-step-icon {
    width: 58px;
    height: 58px;
    border-radius: 17px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #EAF6F3;
    color: #247C72;
    font-size: 23px;
    transition: 0.3s ease;
}

.um-process-card:hover .um-step-icon {
    background: #247C72;
    color: #fff;
    transform: rotate(-5deg);
}


/* Content */

.um-process-card h3 {
    color: #172B2A;
    font-size: 19px;
    font-weight: 800;
    margin-bottom: 12px;
}

.um-process-card p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.75;
    margin-bottom: 20px;
}


/* Label */

.um-step-label {
    display: inline-flex;
    padding: 7px 10px;
    background: #F5F9F8;
    color: #247C72;
    border-radius: 7px;
    font-size: 13px;
    font-weight: 700;
}


/* Bottom Info */

.um-how-bottom {
    display: flex;
    align-items: center;
    gap: 17px;
    background: #fff;
    border: 1px solid #E0ECE9;
    border-radius: 18px;
    padding: 20px 23px;
    box-shadow: 0 10px 30px rgba(31,80,74,0.04);
}

.um-how-bottom-icon {
    width: 45px;
    min-width: 45px;
    height: 45px;
    border-radius: 13px;
    background: #FFF5E7;
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.um-how-bottom h4 {
    font-size: 14px;
    color: #172B2A;
    font-weight: 800;
    margin-bottom: 5px;
}

.um-how-bottom p {
    color: #788784;
    font-size: 14px;
    line-height: 1.6;
    margin: 0;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-how-section {
        padding: 80px 0;
    }

    .um-process-wrapper {
        margin-top: 50px;
    }

    .um-process-line {
        display: none;
    }

    .um-process-card {
        min-height: 290px;
    }

}

@media(max-width: 575px) {

    .um-how-section {
        padding: 65px 0;
    }

    .um-how-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-how-subtitle {
        font-size: 13px;
    }

    .um-process-wrapper {
        margin-top: 35px;
    }

    .um-process-card {
        min-height: auto;
        padding: 22px;
    }

    .um-how-bottom {
        align-items: flex-start;
        padding: 18px;
    }

}
/* ==========================================
   WHY CHOOSE US
========================================== */

.um-why-section {
    background: #ffffff;
    padding: 105px 0;
    position: relative;
    overflow: hidden;
}

.um-why-section::before {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,0.07);
    left: -200px;
    top: 100px;
}

.um-why-section .container {
    position: relative;
    z-index: 2;
}


/* Badge */

.um-why-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 18px;
}


/* Heading */

.um-why-title {
    color: #172B2A;
    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin: 0;
    max-width: 700px;
}

.um-why-title span {
    color: #247C72;
}


/* Intro */

.um-why-intro {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
    max-width: 480px;
    margin-left: auto;
}


/* Cards */

.um-why-card {
    height: 100%;
    min-height: 300px;
    padding: 28px;
    border: 1px solid #E2ECEA;
    border-radius: 23px;
    background: #fff;
    position: relative;
    overflow: hidden;
    transition: all 0.35s ease;
}

.um-why-card::after {
    content: "";
    position: absolute;
    width: 120px;
    height: 120px;
    border-radius: 50%;
    background: #F5FAF9;
    right: -55px;
    bottom: -55px;
    transition: 0.35s ease;
}

.um-why-card:hover {
    transform: translateY(-7px);
    border-color: #BCDCD7;
    box-shadow: 0 20px 45px rgba(36,124,114,0.10);
}

.um-why-card:hover::after {
    background: #EAF6F3;
    transform: scale(1.25);
}


/* Highlight */

.um-why-card-highlight {
    background: #F1F9F7;
    border-color: #D7EBE7;
}


/* Card Top */

.um-why-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 27px;
    position: relative;
    z-index: 2;
}


/* Icon */

.um-why-icon {
    width: 57px;
    height: 57px;
    border-radius: 17px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    transition: 0.35s ease;
}

.um-why-card:hover .um-why-icon {
    background: #247C72;
    color: #fff;
    transform: rotate(-5deg);
}


/* Number */

.um-why-number {
    color: #B7C9C6;
    font-size: 14px;
    font-weight: 800;
    letter-spacing: 1px;
}


/* Card Content */

.um-why-card h3 {
    color: #172B2A;
    font-size: 19px;
    font-weight: 800;
    margin-bottom: 12px;
    position: relative;
    z-index: 2;
}

.um-why-card p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.75;
    margin-bottom: 22px;
    position: relative;
    z-index: 2;
}


/* Card Link */

.um-why-link {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    position: relative;
    z-index: 2;
}

.um-why-link i {
    font-size: 14px;
    transition: 0.3s ease;
}

.um-why-card:hover .um-why-link i {
    transform: translate(3px, -3px);
}


/* CTA */

.um-why-cta {
    margin-top: 55px;
    padding: 23px 25px;
    background: #172B2A;
    border-radius: 20px;
    display: flex;
    align-items: center;
    gap: 18px;
    position: relative;
    overflow: hidden;
}

.um-why-cta::after {
    content: "";
    position: absolute;
    width: 230px;
    height: 230px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.07);
    right: -80px;
    top: -100px;
}

.um-why-cta-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
    border-radius: 15px;
    background: rgba(255,255,255,0.08);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
}

.um-why-cta-content {
    flex: 1;
}

.um-why-cta-content h4 {
    color: #fff;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 5px;
}

.um-why-cta-content p {
    color: #AEBDBA;
    font-size: 13px;
    line-height: 1.6;
    margin: 0;
}

.um-why-cta-btn {
    position: relative;
    z-index: 2;
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    padding: 13px 19px;
    border-radius: 11px;
    background: #fff;
    color: #247C72;
    text-decoration: none;
    font-size: 14px;
    font-weight: 800;
    transition: 0.3s ease;
}

.um-why-cta-btn:hover {
    background: #F4A340;
    color: #fff;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-why-section {
        padding: 80px 0;
    }

    .um-why-intro {
        margin: 20px 0 0;
        max-width: 650px;
    }

    .um-why-cta {
        align-items: flex-start;
        flex-wrap: wrap;
    }

    .um-why-cta-content {
        min-width: calc(100% - 75px);
    }

    .um-why-cta-btn {
        margin-left: 70px;
    }

}

@media(max-width: 575px) {

    .um-why-section {
        padding: 65px 0;
    }

    .um-why-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-why-card {
        min-height: auto;
        padding: 23px;
    }

    .um-why-cta {
        padding: 20px;
    }

    .um-why-cta-content {
        min-width: 0;
    }

    .um-why-cta-btn {
        margin-left: 0;
        width: 100%;
        justify-content: center;
    }

}

/* ==========================================
   SERVICES SECTION
========================================== */

.um-services-section {
    background: #f8f9fa;
    padding: 105px 0;
    position: relative;
    overflow: hidden;
}

.um-services-section::before {
    content: "";
    position: absolute;
    width: 430px;
    height: 430px;
    border-radius: 50%;
    border: 1px solid rgba(36, 124, 114, 0.07);
    top: -240px;
    right: -160px;
}

.um-services-section::after {
    content: "";
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    border: 1px solid rgba(244, 163, 64, 0.08);
    bottom: -180px;
    left: -130px;
}

.um-services-section .container {
    position: relative;
    z-index: 2;
}


/* Badge */

.um-services-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #ffffff;
    color: #247C72;
    border: 1px solid #DCEAE7;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 18px;
}


/* Heading */

.um-services-title {
    color: #172B2A;
    font-size: clamp(36px, 4vw, 53px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 18px;
}

.um-services-title span {
    color: #247C72;
}


/* Subtitle */

.um-services-subtitle {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 700px;
    margin: 0 auto;
}


/* ==========================================
   SERVICE CARD
========================================== */

.um-service-card {
    height: 100%;
    min-height: 315px;
    background: #ffffff;
    border: 1px solid #DDEBE8;
    border-radius: 24px;
    padding: 27px;
    position: relative;
    overflow: hidden;
    transition: all 0.35s ease;
}

.um-service-card:hover {
    transform: translateY(-8px);
    border-color: #B8DAD4;
    box-shadow: 0 22px 45px rgba(36, 124, 114, 0.12);
}


/* Number */

.um-service-number {
    position: absolute;
    right: 23px;
    top: 22px;
    color: #C6D7D4;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1px;
}


/* Icon */

.um-service-icon {
    width: 62px;
    height: 62px;
    border-radius: 18px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 25px;
    margin-bottom: 27px;
    transition: all 0.35s ease;
}

.um-service-card:hover .um-service-icon {
    background: #247C72;
    color: #ffffff;
    transform: rotate(-5deg) scale(1.04);
}


/* Content */

.um-service-content {
    position: relative;
    z-index: 2;
}

.um-service-content h3 {
    color: #172B2A;
    font-size: 19px;
    font-weight: 800;
    margin-bottom: 12px;
}

.um-service-content p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.75;
    margin-bottom: 20px;
    max-width: 360px;
}


/* Link */

.um-service-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #247C72;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
}

.um-service-link i {
    transition: 0.3s ease;
}

.um-service-card:hover .um-service-link i {
    transform: translate(4px, -4px);
}


/* Featured Card */

.um-service-featured {
    background: #247C72;
    border-color: #247C72;
}

.um-service-featured .um-service-number {
    color: rgba(255,255,255,0.35);
}

.um-service-featured .um-service-icon {
    background: rgba(255,255,255,0.14);
    color: #ffffff;
}

.um-service-featured h3 {
    color: #ffffff;
}

.um-service-featured p {
    color: rgba(255,255,255,0.72);
}

.um-service-featured .um-service-link {
    color: #ffffff;
}

.um-service-featured:hover {
    background: #1D665E;
    border-color: #1D665E;
}

.um-service-glow {
    position: absolute;
    width: 170px;
    height: 170px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.08);
    right: -80px;
    bottom: -85px;
}


/* ==========================================
   BOTTOM NOTE
========================================== */

.um-services-note {
    margin-top: 35px;
    padding: 18px 22px;
    background: rgba(255,255,255,0.75);
    border: 1px solid #DCEAE7;
    border-radius: 15px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.um-services-note-icon {
    width: 40px;
    min-width: 40px;
    height: 40px;
    border-radius: 11px;
    background: #FFF3DF;
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
}

.um-services-note p {
    margin: 0;
    color: #71807D;
    font-size: 13px;
    line-height: 1.7;
}

.um-services-note strong {
    color: #172B2A;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-services-section {
        padding: 80px 0;
    }

    .um-service-card {
        min-height: 295px;
    }

}

@media(max-width: 575px) {

    .um-services-section {
        padding: 65px 0;
    }

    .um-services-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-services-subtitle {
        font-size: 13px;
    }

    .um-service-card {
        min-height: auto;
        padding: 23px;
    }

    .um-services-note {
        align-items: flex-start;
        padding: 16px;
    }

}
/* ==========================================
   FEATURES & BENEFITS
========================================== */

.um-benefits-section {
    padding: 105px 0;
    background: #ffffff;
    position: relative;
    overflow: hidden;
}

.um-benefits-section::before {
    content: "";
    position: absolute;
    width: 430px;
    height: 430px;
    border-radius: 50%;
    background: #F1F9F7;
    left: -270px;
    top: -200px;
}

.um-benefits-section .container {
    position: relative;
    z-index: 2;
}


/* Badge */

.um-benefits-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 20px;
}


/* Heading */

.um-benefits-title {
    color: #172B2A;
    font-size: clamp(37px, 4vw, 54px);
    line-height: 1.07;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 22px;
}

.um-benefits-title span {
    color: #247C72;
}


/* Intro */

.um-benefits-intro {
    color: #71807D;
    font-size: 14px;
    line-height: 1.85;
    max-width: 460px;
    margin-bottom: 25px;
}


/* Button */

.um-benefits-btn {
    display: inline-flex;
    align-items: center;
    gap: 13px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    padding: 14px 20px;
    border-radius: 12px;
    font-size: 14px;
    font-weight: 800;
    transition: 0.3s ease;
}

.um-benefits-btn:hover {
    color: #fff;
    background: #1D665E;
    transform: translateY(-3px);
    box-shadow: 0 12px 25px rgba(36,124,114,0.18);
}


/* Trust */

.um-benefits-trust {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-top: 35px;
    padding-top: 22px;
    border-top: 1px solid #E6EFED;
    max-width: 460px;
}

.um-benefits-trust > i {
    color: #247C72;
    font-size: 21px;
    margin-top: 2px;
}

.um-benefits-trust strong {
    display: block;
    color: #172B2A;
    font-size: 14px;
    margin-bottom: 4px;
}

.um-benefits-trust small {
    display: block;
    color: #879491;
    font-size: 13px;
    line-height: 1.6;
}


/* ==========================================
   BENEFIT CARDS
========================================== */

.um-benefit-card {
    height: 100%;
    min-height: 205px;
    padding: 22px;
    border-radius: 20px;
    border: 1px solid #E1ECE9;
    background: #FAFCFB;
    transition: all 0.35s ease;
    position: relative;
    overflow: hidden;
}

.um-benefit-card::after {
    content: "";
    position: absolute;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: #EAF6F3;
    right: -45px;
    bottom: -45px;
    transition: 0.35s ease;
}

.um-benefit-card:hover {
    background: #ffffff;
    transform: translateY(-5px);
    border-color: #BBDCD6;
    box-shadow: 0 17px 35px rgba(36,124,114,0.09);
}

.um-benefit-card:hover::after {
    transform: scale(1.25);
}


/* Icon */

.um-benefit-icon {
    width: 46px;
    height: 46px;
    border-radius: 13px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
    margin-bottom: 16px;
    position: relative;
    z-index: 2;
    transition: 0.3s ease;
}

.um-benefit-card:hover .um-benefit-icon {
    background: #247C72;
    color: #fff;
}


/* Card Content */

.um-benefit-card h3 {
    color: #172B2A;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 8px;
    position: relative;
    z-index: 2;
}

.um-benefit-card p {
    color: #7A8986;
    font-size: 13px;
    line-height: 1.7;
    margin-bottom: 12px;
    position: relative;
    z-index: 2;
}


/* Check */

.um-benefit-check {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    position: relative;
    z-index: 2;
}

.um-benefit-check i {
    width: 15px;
    height: 15px;
    border-radius: 50%;
    background: #EAF6F3;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}


/* ==========================================
   BOTTOM BENEFIT BAR
========================================== */

.um-benefit-bar {
    margin-top: 60px;
    padding: 20px 25px;
    background: #F1F9F7;
    border: 1px solid #DDEBE8;
    border-radius: 19px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.um-benefit-bar-item {
    display: flex;
    align-items: center;
    gap: 11px;
}

.um-benefit-bar-icon {
    width: 40px;
    height: 40px;
    min-width: 40px;
    border-radius: 11px;
    background: #ffffff;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
}

.um-benefit-bar-item strong {
    display: block;
    color: #172B2A;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 3px;
}

.um-benefit-bar-item span {
    display: block;
    color: #83908E;
    font-size: 9px;
}

.um-benefit-bar-divider {
    width: 1px;
    height: 38px;
    background: #D5E5E1;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-benefits-section {
        padding: 80px 0;
    }

    .um-benefits-intro,
    .um-benefits-trust {
        max-width: 100%;
    }

    .um-benefit-bar {
        flex-wrap: wrap;
    }

    .um-benefit-bar-divider {
        display: none;
    }

    .um-benefit-bar-item {
        width: calc(50% - 10px);
    }

}

@media(max-width: 575px) {

    .um-benefits-section {
        padding: 65px 0;
    }

    .um-benefits-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-benefit-card {
        min-height: auto;
    }

    .um-benefit-bar {
        padding: 18px;
    }

    .um-benefit-bar-item {
        width: 100%;
    }

}
/* ==========================================
   RATES SECTION
========================================== */

.um-rates-section {
    background: #F7FBFA;
    padding: 105px 0;
    position: relative;
    overflow: hidden;
}

.um-rates-section::before {
    content: "";
    position: absolute;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,0.07);
    left: -220px;
    top: -180px;
}

.um-rates-section::after {
    content: "";
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,0.08);
    right: -180px;
    bottom: -180px;
}

.um-rates-section .container {
    position: relative;
    z-index: 2;
}


/* Badge */

.um-rates-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 18px;
}


/* Heading */

.um-rates-title {
    color: #172B2A;
    font-size: clamp(37px, 4vw, 53px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 18px;
}

.um-rates-title span {
    color: #247C72;
}

.um-rates-subtitle {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 720px;
    margin: auto;
}


/* ==========================================
   APR BOX
========================================== */

.um-apr-box {
    margin-top: 55px;
    padding: 28px 32px;
    background: #172B2A;
    border-radius: 23px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 25px;
    position: relative;
    overflow: hidden;
}

.um-apr-box::after {
    content: "";
    position: absolute;
    width: 260px;
    height: 260px;
    border: 1px solid rgba(255,255,255,0.07);
    border-radius: 50%;
    right: -100px;
    top: -130px;
}

.um-apr-left {
    display: flex;
    align-items: center;
    gap: 17px;
    position: relative;
    z-index: 2;
}

.um-apr-icon {
    width: 58px;
    height: 58px;
    min-width: 58px;
    border-radius: 17px;
    background: rgba(255,255,255,0.09);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 23px;
}

.um-apr-label {
    color: #A9BCB8;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 4px;
}

.um-apr-title {
    color: #fff;
    font-size: 20px;
    font-weight: 800;
}

.um-apr-left p {
    color: #91A6A2;
    font-size: 13px;
    margin: 5px 0 0;
}

.um-apr-value {
    position: relative;
    z-index: 2;
    padding-right: 20px;
    text-align: right;
}

.um-apr-value strong {
    display: block;
    color: #F4A340;
    font-size: 38px;
    line-height: 1;
    font-weight: 800;
}

.um-apr-value span {
    color: #A9BCB8;
    font-size: 13px;
}


/* ==========================================
   RATE SMALL CARDS
========================================== */

.um-rate-small-card {
    background: #fff;
    border: 1px solid #DFEBE8;
    border-radius: 19px;
    padding: 22px;
    display: flex;
    align-items: center;
    gap: 15px;
    transition: 0.3s ease;
}

.um-rate-small-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 15px 30px rgba(36,124,114,0.08);
}

.um-rate-small-icon {
    width: 49px;
    height: 49px;
    min-width: 49px;
    border-radius: 14px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.um-rate-small-icon.um-orange {
    background: #FFF3DF;
    color: #F4A340;
}

.um-rate-small-label {
    display: block;
    color: #8A9795;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: .7px;
    margin-bottom: 4px;
}

.um-rate-small-card h3 {
    color: #172B2A;
    font-size: 22px;
    font-weight: 800;
    margin: 0 0 3px;
}

.um-rate-small-card p {
    color: #879491;
    font-size: 13px;
    margin: 0;
}


/* ==========================================
   TERM CARDS
========================================== */

.um-term-card {
    height: 100%;
    min-height: 205px;
    background: #fff;
    border: 1px solid #DFEBE8;
    border-radius: 20px;
    padding: 22px;
    transition: 0.35s ease;
}

.um-term-card:hover {
    transform: translateY(-6px);
    border-color: #BCDCD7;
    box-shadow: 0 17px 35px rgba(36,124,114,0.09);
}

.um-term-highlight {
    background: #EAF6F3;
    border-color: #D0E6E1;
}

.um-term-warning {
    background: #FFF9F0;
    border-color: #F1E1C6;
}

.um-term-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 20px;
}

.um-term-icon {
    width: 45px;
    height: 45px;
    border-radius: 13px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}

.um-term-warning .um-term-icon {
    background: #FFF0D8;
    color: #D58B20;
}

.um-term-top > span {
    color: #C2D2CF;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-term-card small {
    display: block;
    color: #8A9795;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: .6px;
    margin-bottom: 7px;
}

.um-term-card h3 {
    color: #172B2A;
    font-size: 25px;
    font-weight: 800;
    margin-bottom: 5px;
}

.um-term-card p {
    color: #7C8A87;
    font-size: 13px;
    margin: 0;
}


/* ==========================================
   DISCLAIMER
========================================== */

.um-rates-disclaimer {
    margin-top: 35px;
    padding: 19px 22px;
    background: #fff;
    border: 1px solid #DFEBE8;
    border-radius: 16px;
    display: flex;
    align-items: flex-start;
    gap: 13px;
}

.um-rates-disclaimer-icon {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 10px;
    background: #FFF3DF;
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-rates-disclaimer strong {
    display: block;
    color: #172B2A;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 4px;
}

.um-rates-disclaimer p {
    color: #7C8A87;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}


/* CTA */

.um-rates-btn {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    padding: 14px 22px;
    border-radius: 12px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 14px;
    font-weight: 800;
    transition: 0.3s ease;
}

.um-rates-btn:hover {
    color: #fff;
    background: #1D665E;
    transform: translateY(-3px);
    box-shadow: 0 12px 25px rgba(36,124,114,0.18);
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 767px) {

    .um-rates-section {
        padding: 75px 0;
    }

    .um-apr-box {
        flex-direction: column;
        align-items: flex-start;
    }

    .um-apr-value {
        padding-right: 0;
        text-align: left;
    }

}

@media(max-width: 575px) {

    .um-rates-section {
        padding: 60px 0;
    }

    .um-rates-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-apr-box {
        padding: 23px;
        border-radius: 19px;
    }

    .um-apr-left {
        align-items: flex-start;
    }

    .um-apr-left p {
        line-height: 1.6;
    }

    .um-apr-value strong {
        font-size: 32px;
    }

    .um-term-card {
        min-height: auto;
    }

}
/* ==========================================
   ELIGIBILITY SECTION
========================================== */

.um-eligibility-section {
    background: #ffffff;
    padding: 105px 0;
    position: relative;
    overflow: hidden;
}

.um-eligibility-section::before {
    content: "";
    position: absolute;
    width: 430px;
    height: 430px;
    border-radius: 50%;
    background: #F1F9F7;
    left: -280px;
    bottom: -220px;
}

.um-eligibility-section::after {
    content: "";
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,0.08);
    right: -170px;
    top: -120px;
}

.um-eligibility-section .container {
    position: relative;
    z-index: 2;
}


/* Badge */

.um-eligibility-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 18px;
}


/* Heading */

.um-eligibility-title {
    color: #172B2A;
    font-size: clamp(36px, 4vw, 53px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 18px;
}

.um-eligibility-title span {
    color: #247C72;
}

.um-eligibility-subtitle {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 720px;
    margin: auto;
}


/* ==========================================
   BOXES
========================================== */

.um-eligibility-box,
.um-documents-box {
    height: 100%;
    background: #F7FBFA;
    border: 1px solid #DDEBE8;
    border-radius: 24px;
    padding: 30px;
}


/* Heading */

.um-box-heading {
    display: flex;
    align-items: center;
    gap: 15px;
    padding-bottom: 22px;
    border-bottom: 1px solid #DFEBE8;
    margin-bottom: 10px;
}

.um-box-icon {
    width: 54px;
    height: 54px;
    min-width: 54px;
    border-radius: 16px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
}

.um-box-heading h3 {
    color: #172B2A;
    font-size: 18px;
    font-weight: 800;
    margin: 0 0 4px;
}

.um-box-heading p {
    color: #83908E;
    font-size: 13px;
    margin: 0;
}


/* ==========================================
   ELIGIBILITY LIST
========================================== */

.um-eligibility-list {
    padding-top: 5px;
}

.um-eligibility-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 15px 5px;
    border-bottom: 1px solid #E4EEEC;
}

.um-eligibility-item:last-child {
    border-bottom: 0;
}

.um-eligibility-check {
    width: 26px;
    height: 26px;
    min-width: 26px;
    border-radius: 50%;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-eligibility-item strong {
    display: block;
    color: #172B2A;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 4px;
}

.um-eligibility-item span {
    display: block;
    color: #7A8986;
    font-size: 13px;
    line-height: 1.65;
}


/* ==========================================
   DOCUMENTS
========================================== */

.um-documents-box {
    background: #172B2A;
    border-color: #172B2A;
}

.um-documents-box .um-box-heading {
    border-color: rgba(255,255,255,0.10);
}

.um-documents-box .um-box-heading h3 {
    color: #fff;
}

.um-documents-box .um-box-heading p {
    color: #9BAEAA;
}

.um-documents-box .um-box-icon {
    background: rgba(255,255,255,0.09);
    color: #F4A340;
}


.um-document-list {
    padding-top: 5px;
}

.um-document-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 15px 4px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.um-document-item:last-child {
    border-bottom: 0;
}

.um-document-icon {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 11px;
    background: rgba(255,255,255,0.08);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.um-document-item strong {
    display: block;
    color: #fff;
    font-size: 13px;
    margin-bottom: 3px;
}

.um-document-item span {
    display: block;
    color: #95A8A4;
    font-size: 9px;
    line-height: 1.55;
}

.um-doc-check {
    color: #70BEB4;
    font-size: 13px;
    margin-left: auto;
}


/* ==========================================
   BOTTOM BAR
========================================== */

.um-eligibility-bottom {
    margin-top: 30px;
    padding: 19px 22px;
    border: 1px solid #DDEBE8;
    background: #F7FBFA;
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.um-eligibility-bottom-left {
    display: flex;
    align-items: center;
    gap: 13px;
}

.um-bottom-security-icon {
    width: 43px;
    height: 43px;
    min-width: 43px;
    border-radius: 12px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}

.um-eligibility-bottom strong {
    display: block;
    color: #172B2A;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 3px;
}

.um-eligibility-bottom p {
    color: #7D8B88;
    font-size: 9px;
    line-height: 1.6;
    margin: 0;
}

.um-eligibility-btn {
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    padding: 12px 18px;
    border-radius: 11px;
    font-size: 13px;
    font-weight: 800;
    transition: 0.3s ease;
}

.um-eligibility-btn:hover {
    color: #fff;
    background: #1D665E;
    transform: translateY(-2px);
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-eligibility-section {
        padding: 80px 0;
    }

    .um-eligibility-bottom {
        align-items: flex-start;
    }

}

@media(max-width: 575px) {

    .um-eligibility-section {
        padding: 65px 0;
    }

    .um-eligibility-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-eligibility-box,
    .um-documents-box {
        padding: 22px;
        border-radius: 20px;
    }

    .um-eligibility-bottom {
        flex-direction: column;
        padding: 17px;
    }

    .um-eligibility-btn {
        width: 100%;
        justify-content: center;
    }

}

/* ==========================================
   PAN INDIA COVERAGE
========================================== */

.um-city-section {
    background: #F7FBFA;
    padding: 105px 0;
    position: relative;
    overflow: hidden;
}

.um-city-section::before {
    content: "";
    position: absolute;
    width: 480px;
    height: 480px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,0.07);
    left: -290px;
    top: -230px;
}

.um-city-section::after {
    content: "";
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,0.08);
    right: -200px;
    bottom: -180px;
}

.um-city-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-city-header {
    text-align: center;
    max-width: 780px;
    margin: 0 auto 55px;
}

.um-city-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.8px;
    margin-bottom: 17px;
}

.um-city-dot {
    width: 7px;
    height: 7px;
    background: #F4A340;
    border-radius: 50%;
    box-shadow: 0 0 0 5px rgba(244,163,64,0.10);
}

.um-city-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 4.5vw, 57px);
    line-height: 1.04;
    letter-spacing: -3px;
    font-weight: 800;
    margin-bottom: 20px;
}

.um-city-header h2 span {
    color: #247C72;
}

.um-city-header p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 700px;
    margin: auto;
}


/* ==========================================
   CITY GRID
========================================== */

.um-city-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
}


/* City Card */

.um-city-card {
    min-height: 120px;
    background: #ffffff;
    border: 1px solid #DDEAE7;
    border-radius: 22px;
    padding: 22px;
    position: relative;
    overflow: hidden;
    cursor: pointer;
    transition: all 0.35s ease;
}

.um-city-card:hover {
    transform: translateY(-7px);
    border-color: #B6D8D2;
    box-shadow: 0 20px 40px rgba(36,124,114,0.10);
}


/* Decorative circle */

.um-city-card::before {
    content: "";
    position: absolute;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: #F1F9F7;
    right: -45px;
    bottom: -45px;
    transition: 0.35s ease;
}

.um-city-card:hover::before {
    transform: scale(1.5);
    background: #EAF6F3;
}


/* Icon */

.um-city-icon {
    width: 58px;
    height: 58px;
    border-radius: 17px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 25px;
    margin-bottom: 28px;
    position: relative;
    z-index: 2;
    transition: all 0.35s ease;
}

.um-city-card:hover .um-city-icon {
    background: #247C72;
    color: #fff;
    transform: scale(1.05) rotate(-4deg);
}


/* City Info */

.um-city-info {
    position: relative;
    z-index: 2;
}

.um-city-info h3 {
    color: #172B2A;
    font-size: 14px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .2px;
    margin: 0 0 5px;
}

.um-city-info span {
    color: #9AA7A4;
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 1px;
}


/* Arrow */

.um-city-arrow {
    position: absolute;
    right: 20px;
    top: 22px;
    color: #AFC3BF;
    font-size: 13px;
    transition: 0.3s ease;
    z-index: 3;
}

.um-city-card:hover .um-city-arrow {
    color: #247C72;
    transform: translate(3px, -3px);
}


/* ==========================================
   FEATURED CARD
========================================== */

.um-city-featured {
    background: #247C72;
    border-color: #247C72;
    box-shadow: 0 15px 35px rgba(36,124,114,0.16);
}

.um-city-featured::before {
    background: rgba(255,255,255,0.07);
}

.um-city-featured .um-city-icon {
    background: rgba(255,255,255,0.12);
    color: #fff;
}

.um-city-featured .um-city-info h3 {
    color: #fff;
}

.um-city-featured .um-city-info span {
    color: rgba(255,255,255,0.55);
}

.um-city-featured .um-city-arrow {
    color: rgba(255,255,255,0.65);
}

.um-city-featured:hover {
    background: #1D665E;
    border-color: #1D665E;
}

.um-city-featured:hover .um-city-icon {
    background: #fff;
    color: #247C72;
}


/* Featured Top */

.um-featured-top {
    position: absolute;
    top: 20px;
    left: 22px;
    right: 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    z-index: 3;
}

.um-featured-top span {
    color: rgba(255,255,255,0.65);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1.1px;
}

.um-featured-top i {
    color: #F4A340;
    font-size: 13px;
}


/* Featured orange */

.um-city-orange {
    background: #F4A340;
    border-color: #F4A340;
    box-shadow: 0 15px 35px rgba(244,163,64,0.15);
}

.um-city-orange:hover {
    background: #E49632;
    border-color: #E49632;
}

.um-city-orange .um-city-icon {
    background: rgba(255,255,255,0.16);
}

.um-city-orange .um-city-info h3,
.um-city-orange .um-city-info span {
    color: #fff;
}

.um-city-orange .um-featured-top span {
    color: rgba(255,255,255,0.75);
}

.um-city-orange .um-city-arrow {
    color: rgba(255,255,255,0.75);
}


/* ==========================================
   MORE CITIES
========================================== */

.um-more-cities {
    margin-top: 22px;
    background: #172B2A;
    border-radius: 20px;
    padding: 20px 23px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.um-more-cities-left {
    display: flex;
    align-items: center;
    gap: 13px;
}

.um-more-icon {
    width: 45px;
    height: 45px;
    min-width: 45px;
    border-radius: 13px;
    background: rgba(255,255,255,0.08);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.um-more-cities-left strong {
    display: block;
    color: #fff;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 3px;
}

.um-more-cities-left span {
    display: block;
    color: #92A6A2;
    font-size: 9px;
}

.um-city-cta {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    white-space: nowrap;
    padding: 12px 17px;
    border-radius: 10px;
    background: #fff;
    color: #247C72;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: 0.3s ease;
}

.um-city-cta:hover {
    background: #F4A340;
    color: #fff;
}


/* ==========================================
   NOTE
========================================== */

.um-city-note {
    margin-top: 17px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 7px;
    color: #8A9794;
    font-size: 9px;
    text-align: center;
}

.um-city-note i {
    color: #247C72;
    font-size: 14px;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 1100px) {

    .um-city-grid {
        grid-template-columns: repeat(3, 1fr);
    }

}

@media(max-width: 767px) {

    .um-city-section {
        padding: 80px 0;
    }

    .um-city-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }

    .um-city-card {
        min-height: 175px;
        padding: 18px;
    }

    .um-city-header {
        margin-bottom: 40px;
    }

    .um-city-header h2 {
        font-size: 40px;
        letter-spacing: -2px;
    }

}

@media(max-width: 480px) {

    .um-city-section {
        padding: 65px 0;
    }

    .um-city-grid {
        grid-template-columns: 1fr;
    }

    .um-city-card {
        min-height: 145px;
    }

    .um-city-icon {
        margin-bottom: 20px;
    }

    .um-more-cities {
        flex-direction: column;
        align-items: flex-start;
    }

    .um-city-cta {
        width: 100%;
        justify-content: center;
    }

    .um-city-note {
        align-items: flex-start;
        line-height: 1.6;
    }

}

/* ==========================================
   FOOTER
========================================== */
/* ==========================================
   LIGHT FOOTER
========================================== */

.um-footer-light {
    background: #F4FAF8;
    color: #263A36;
    padding: 70px 0 0;
    position: relative;
    overflow: hidden;
    border-top: 1px solid #DCEAE7;
}

.um-footer-light .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND SHAPES
========================================== */

.um-footer-bg-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.um-footer-bg-one {
    width: 470px;
    height: 470px;
    background: #E7F5F1;
    left: -300px;
    bottom: -250px;
}

.um-footer-bg-two {
    width: 400px;
    height: 400px;
    border: 1px solid rgba(36,124,114,.08);
    right: -240px;
    top: -230px;
}


/* ==========================================
   LENDER DISCLOSURE
========================================== */

.um-lender-disclosure {
    display: flex;
    align-items: center;
    gap: 17px;
    padding: 20px 22px;
    margin-bottom: 55px;
    background: #fff;
    border: 1px solid #D7E9E5;
    border-radius: 18px;
    box-shadow: 0 10px 30px rgba(36,124,114,.055);
}

.um-lender-icon {
    width: 53px;
    height: 53px;
    min-width: 53px;
    border-radius: 15px;
    background: #E8F5F2;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
}

.um-lender-content {
    flex: 1;
}

.um-lender-label {
    display: block;
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
    margin-bottom: 3px;
}

.um-lender-content h3 {
    color: #263A36;
    font-size: 14px;
    font-weight: 800;
    margin: 0 0 5px;
}

.um-lender-content h3 small {
    color: #247C72;
    font-size: 13px;
    font-weight: 700;
    margin-left: 5px;
}

.um-lender-content p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.65;
    margin: 0;
}

.um-lender-content p strong {
    color: #3E514C;
}

.um-rbi-badge {
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 10px 13px;
    background: #F1F9F6;
    border: 1px solid #DCEAE7;
    border-radius: 11px;
    white-space: nowrap;
}

.um-rbi-badge > i {
    color: #247C72;
    font-size: 19px;
}

.um-rbi-badge strong {
    display: block;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
}

.um-rbi-badge span {
    display: block;
    color: #849490;
    font-size: 12px;
    margin-top: 2px;
}


/* ==========================================
   LOGO
========================================== */

.um-footer-logo {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    margin-bottom: 18px;
}

.um-footer-logo-icon {
    width: 44px;
    height: 44px;
    border-radius: 13px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    font-weight: 800;
    position: relative;
    box-shadow: 0 8px 20px rgba(36,124,114,.16);
}

.um-footer-logo-icon::after {
    content: "";
    position: absolute;
    width: 22px;
    height: 22px;
    border: 2px solid #F4A340;
    border-radius: 50%;
    right: -7px;
    bottom: -7px;
}

.um-footer-logo-text {
    color: #263A36;
    font-size: 21px;
    font-weight: 800;
    letter-spacing: -.6px;
}

.um-footer-logo-text span {
    color: #247C72;
}


/* ==========================================
   ABOUT
========================================== */

.um-footer-about {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 365px;
    margin-bottom: 22px;
}


/* ==========================================
   TRUST
========================================== */

.um-footer-trust {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    max-width: 365px;
    padding: 15px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 13px;
}

.um-footer-trust-icon {
    width: 37px;
    height: 37px;
    min-width: 37px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-footer-trust strong {
    display: block;
    color: #344844;
    font-size: 13px;
    margin-bottom: 4px;
}

.um-footer-trust span {
    display: block;
    color: #899793;
    font-size: 9px;
    line-height: 1.6;
}


/* ==========================================
   MINI FEATURES
========================================== */

.um-footer-mini-features {
    display: flex;
    gap: 7px;
    margin-top: 13px;
}

.um-footer-mini-features > div {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 6px 8px;
    background: #EAF6F3;
    border-radius: 7px;
    color: #247C72;
}

.um-footer-mini-features i {
    font-size: 13px;
}

.um-footer-mini-features span {
    font-size: 12px;
    font-weight: 700;
}


/* ==========================================
   HEADINGS
========================================== */

.um-footer-heading {
    color: #263A36;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 22px;
}

.um-footer-heading::after {
    content: "";
    display: block;
    width: 24px;
    height: 2px;
    background: #F4A340;
    margin-top: 8px;
    border-radius: 10px;
}


/* ==========================================
   LINKS
========================================== */

.um-footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
}

.um-footer-links li {
    margin-bottom: 11px;
}

.um-footer-links a {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: #71807D;
    text-decoration: none;
    font-size: 13px;
    transition: .25s ease;
}

.um-footer-links a:hover {
    color: #247C72;
    transform: translateX(3px);
}

.um-footer-links i {
    color: #F4A340;
    font-size: 14px;
}


/* ==========================================
   CONTACT
========================================== */

.um-footer-contact-item {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 15px;
}

.um-footer-contact-icon {
    width: 37px;
    height: 37px;
    min-width: 37px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-footer-contact-item span {
    display: block;
    color: #9AA7A4;
    font-size: 12px;
    margin-bottom: 3px;
}

.um-footer-contact-item a,
.um-footer-contact-item strong {
    display: block;
    color: #42534F;
    text-decoration: none;
    font-size: 13px;
    font-weight: 700;
}

.um-footer-contact-item a:hover {
    color: #247C72;
}


/* ==========================================
   SOCIAL
========================================== */

.um-footer-social {
    display: flex;
    gap: 7px;
    margin-top: 20px;
}

.um-footer-social a {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    background: #fff;
    border: 1px solid #DCEAE7;
    color: #71807D;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    font-size: 14px;
    transition: .3s ease;
}

.um-footer-social a:hover {
    background: #247C72;
    border-color: #247C72;
    color: #fff;
    transform: translateY(-3px);
}


/* ==========================================
   RESPONSIBLE BORROWING
========================================== */

.um-footer-responsible {
    margin-top: 50px;
    padding: 18px 20px;
    border: 1px solid #DCEAE7;
    background: #fff;
    border-radius: 15px;
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.um-footer-responsible-icon {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 10px;
    background: #FFF3E1;
    color: #D58A22;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.um-footer-responsible strong {
    display: block;
    color: #344844;
    font-size: 14px;
    margin-bottom: 5px;
}

.um-footer-responsible p {
    color: #7A8885;
    font-size: 9px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   LEGAL LINKS
========================================== */

.um-footer-middle {
    margin-top: 28px;
    padding: 18px 0;
    border-top: 1px solid #DCEAE7;
    border-bottom: 1px solid #DCEAE7;
}

.um-footer-legal {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px 26px;
}

.um-footer-legal a {
    color: #7D8B88;
    text-decoration: none;
    font-size: 12px;
    font-weight: 600;
    transition: .25s ease;
}

.um-footer-legal a:hover {
    color: #247C72;
}


/* ==========================================
   BOTTOM
========================================== */

.um-footer-bottom {
    padding: 19px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    color: #8A9995;
    font-size: 9px;
}

.um-footer-bottom strong {
    color: #50625D;
}

.um-footer-bottom-right {
    display: flex;
    align-items: center;
    gap: 18px;
}

.um-footer-bottom-right span {
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

.um-footer-bottom-right i {
    color: #247C72;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-footer-light {
        padding-top: 55px;
    }

    .um-lender-disclosure {
        align-items: flex-start;
    }

    .um-rbi-badge {
        display: none;
    }

    .um-footer-bottom {
        align-items: flex-start;
        flex-direction: column;
    }

}


@media(max-width: 575px) {

    .um-footer-light {
        padding-top: 50px;
    }

    .um-lender-disclosure {
        padding: 17px;
        gap: 11px;
    }

    .um-lender-icon {
        width: 43px;
        height: 43px;
        min-width: 43px;
        font-size: 17px;
    }

    .um-lender-content h3 {
        font-size: 14px;
    }

    .um-lender-content h3 small {
        display: block;
        margin: 3px 0 0;
    }

    .um-lender-content p {
        font-size: 9px;
    }

    .um-footer-about {
        max-width: 100%;
    }

    .um-footer-mini-features {
        flex-wrap: wrap;
    }

    .um-footer-responsible {
        padding: 15px;
    }

    .um-footer-legal {
        justify-content: flex-start;
        gap: 12px 18px;
    }

    .um-footer-bottom-right {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }

}
/* ==========================================
   PAGE HERO
========================================== */

.um-page-hero {
    min-height: 420px;
    padding: 75px 0 85px;
    background:
        radial-gradient(
            circle at 85% 20%,
            rgba(244,163,64,0.10),
            transparent 25%
        ),
        linear-gradient(
            135deg,
            #F1F9F7 0%,
            #EAF6F3 55%,
            #F7FBFA 100%
        );
    position: relative;
    overflow: hidden;
}


/* Decorative shapes */

.um-page-hero-shape {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.um-shape-one {
    width: 380px;
    height: 380px;
    border: 1px solid rgba(36,124,114,0.08);
    left: -190px;
    top: -190px;
}

.um-shape-two {
    width: 300px;
    height: 300px;
    border: 1px solid rgba(244,163,64,0.10);
    right: -130px;
    bottom: -170px;
}

.um-page-hero .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BREADCRUMB
========================================== */

.um-breadcrumb {
    display: flex;
    align-items: center;
    gap: 9px;
    margin-bottom: 24px;
    font-size: 13px;
    font-weight: 600;
}

.um-breadcrumb a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: #247C72;
    text-decoration: none;
    transition: 0.3s ease;
}

.um-breadcrumb a:hover {
    color: #1D665E;
}

.um-breadcrumb > i {
    color: #A6B7B4;
    font-size: 9px;
}

.um-breadcrumb span {
    color: #7C8B88;
}


/* ==========================================
   PAGE BADGE
========================================== */

.um-page-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #ffffff;
    border: 1px solid #DCEAE7;
    color: #247C72;
    padding: 8px 14px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 20px;
    box-shadow: 0 6px 20px rgba(36,124,114,0.05);
}

.um-page-badge i {
    font-size: 14px;
}


/* ==========================================
   HEADING
========================================== */

.um-page-hero h1 {
    color: #172B2A;
    font-size: clamp(40px, 5vw, 63px);
    line-height: 1.04;
    letter-spacing: -3px;
    font-weight: 800;
    max-width: 680px;
    margin-bottom: 20px;
}

.um-page-hero h1 span {
    color: #247C72;
}

.um-page-hero p {
    color: #6E7F7C;
    font-size: 13px;
    line-height: 1.8;
    max-width: 630px;
    margin: 0;
}


/* ==========================================
   RIGHT CARD
========================================== */

.um-page-hero-card {
    min-height: 190px;
    background: #172B2A;
    border-radius: 25px;
    padding: 28px;
    position: relative;
    display: flex;
    align-items: center;
    gap: 17px;
    overflow: hidden;
    box-shadow: 0 25px 55px rgba(23,43,42,0.15);
}

.um-page-hero-card::before {
    content: "";
    position: absolute;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.08);
    right: -80px;
    top: -100px;
}

.um-page-hero-card::after {
    content: "";
    position: absolute;
    width: 130px;
    height: 130px;
    border-radius: 50%;
    background: rgba(36,124,114,0.18);
    right: -40px;
    bottom: -60px;
}

.um-page-hero-card-icon {
    width: 64px;
    height: 64px;
    min-width: 64px;
    border-radius: 18px;
    background: rgba(255,255,255,0.08);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 27px;
    position: relative;
    z-index: 2;
}

.um-page-hero-card-content {
    position: relative;
    z-index: 2;
}

.um-page-hero-card-content span {
    display: block;
    color: #7EBDB5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.3px;
    margin-bottom: 9px;
}

.um-page-hero-card-content strong {
    display: block;
    color: #ffffff;
    font-size: 14px;
    line-height: 1.6;
    font-weight: 700;
}

.um-page-hero-card-content strong b {
    color: #F4A340;
    padding: 0 3px;
}

.um-page-card-arrow {
    position: absolute;
    right: 22px;
    top: 20px;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: rgba(255,255,255,0.07);
    color: #9CB5B0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}


/* ==========================================
   FLOATING CARD
========================================== */

.um-page-floating-card {
    position: absolute;
    left: -20px;
    bottom: -20px;
    background: #ffffff;
    border: 1px solid #E0ECE9;
    border-radius: 14px;
    padding: 13px 17px;
    display: flex;
    align-items: center;
    gap: 9px;
    box-shadow: 0 15px 35px rgba(23,70,65,0.12);
    animation: umPageFloat 4s ease-in-out infinite;
}

.um-page-floating-card i {
    color: #247C72;
    font-size: 17px;
}

.um-page-floating-card span {
    color: #52625F;
    font-size: 9px;
    font-weight: 700;
}

@keyframes umPageFloat {

    0%,100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-7px);
    }

}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-page-hero {
        padding: 60px 0 80px;
    }

    .um-page-hero h1 {
        letter-spacing: -2px;
    }

    .um-page-hero p {
        max-width: 700px;
    }

    .um-page-hero-card {
        margin-top: 50px;
    }

}

@media(max-width: 575px) {

    .um-page-hero {
        min-height: auto;
        padding: 45px 0 65px;
    }

    .um-page-hero h1 {
        font-size: 40px;
        letter-spacing: -1.8px;
    }

    .um-page-hero p {
        font-size: 13px;
    }

    .um-page-hero-card {
        min-height: 170px;
        padding: 22px;
        border-radius: 20px;
    }

    .um-page-hero-card-icon {
        width: 53px;
        height: 53px;
        min-width: 53px;
        font-size: 22px;
    }

    .um-page-hero-card-content strong {
        font-size: 13px;
    }

    .um-page-floating-card {
        left: 12px;
        bottom: -18px;
    }

}
/* ==========================================
   VISION MISSION VALUES
========================================== */

.um-vmv-section {
    padding: 105px 0;
    background: #F7FBFA;
    position: relative;
    overflow: hidden;
}

.um-vmv-section::before {
    content: "";
    position: absolute;
    width: 430px;
    height: 430px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,0.07);
    left: -250px;
    top: -180px;
}

.um-vmv-section::after {
    content: "";
    position: absolute;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,0.08);
    right: -170px;
    bottom: -160px;
}

.um-vmv-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-vmv-section .um-section-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: #EAF6F3;
    color: #247C72;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 18px;
}

.um-vmv-title {
    color: #172B2A;
    font-size: clamp(37px, 4vw, 53px);
    line-height: 1.07;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 18px;
}

.um-vmv-title span {
    color: #247C72;
}

.um-vmv-subtitle {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    max-width: 720px;
    margin: auto;
}


/* ==========================================
   VMV CARDS
========================================== */

.um-vmv-card {
    height: 100%;
    min-height: 430px;
    padding: 30px;
    border-radius: 25px;
    background: #ffffff;
    border: 1px solid #DFEBE8;
    position: relative;
    overflow: hidden;
    transition: all 0.35s ease;
}

.um-vmv-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 22px 45px rgba(36,124,114,0.10);
    border-color: #BCDCD7;
}


/* Decorative circle */

.um-vmv-card::after {
    content: "";
    position: absolute;
    width: 170px;
    height: 170px;
    border-radius: 50%;
    right: -90px;
    bottom: -90px;
    background: #F1F9F7;
    transition: 0.4s ease;
}

.um-vmv-card:hover::after {
    transform: scale(1.3);
}


/* Header */

.um-vmv-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 27px;
    position: relative;
    z-index: 2;
}

.um-vmv-card-header > span {
    color: #C1D2CF;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1px;
}


/* Icon */

.um-vmv-icon {
    width: 59px;
    height: 59px;
    border-radius: 17px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 23px;
    transition: 0.35s ease;
}

.um-vmv-card:hover .um-vmv-icon {
    background: #247C72;
    color: #fff;
    transform: rotate(-5deg);
}


/* Label */

.um-vmv-label {
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.3px;
    margin-bottom: 11px;
    position: relative;
    z-index: 2;
}


/* Heading */

.um-vmv-card h3 {
    color: #172B2A;
    font-size: 22px;
    line-height: 1.35;
    font-weight: 800;
    margin-bottom: 15px;
    position: relative;
    z-index: 2;
}


/* Paragraph */

.um-vmv-card > p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
    position: relative;
    z-index: 2;
}


/* Bottom */

.um-vmv-bottom {
    position: absolute;
    left: 30px;
    bottom: 28px;
    display: flex;
    align-items: center;
    gap: 9px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    z-index: 2;
}

.um-vmv-bottom i {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #EAF6F3;
    display: flex;
    align-items: center;
    justify-content: center;
}


/* ==========================================
   VALUES
========================================== */

.um-values-list {
    position: relative;
    z-index: 2;
    margin-top: 18px;
}

.um-value-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 11px 0;
    border-bottom: 1px solid #E7EFED;
}

.um-value-item:last-child {
    border-bottom: 0;
}

.um-value-item > span {
    width: 24px;
    height: 24px;
    min-width: 24px;
    border-radius: 50%;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.um-value-item strong {
    display: block;
    color: #172B2A;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 2px;
}

.um-value-item small {
    display: block;
    color: #82908D;
    font-size: 9px;
    line-height: 1.5;
}


/* ==========================================
   CARD VARIATIONS
========================================== */

.um-vmv-mission {
    background: #247C72;
    border-color: #247C72;
}

.um-vmv-mission::after {
    background: rgba(255,255,255,0.07);
}

.um-vmv-mission .um-vmv-icon {
    background: rgba(255,255,255,0.12);
    color: #fff;
}

.um-vmv-mission .um-vmv-card-header > span {
    color: rgba(255,255,255,0.45);
}

.um-vmv-mission .um-vmv-label {
    color: #F4A340;
}

.um-vmv-mission h3 {
    color: #fff;
}

.um-vmv-mission > p {
    color: rgba(255,255,255,0.72);
}

.um-vmv-mission .um-vmv-bottom {
    color: #fff;
}

.um-vmv-mission .um-vmv-bottom i {
    background: rgba(255,255,255,0.12);
}

.um-vmv-mission:hover {
    background: #1D665E;
    border-color: #1D665E;
}


/* ==========================================
   BOTTOM STATEMENT
========================================== */

.um-vmv-statement {
    margin-top: 30px;
    padding: 20px 23px;
    background: #172B2A;
    border-radius: 18px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.um-vmv-statement-icon {
    width: 45px;
    height: 45px;
    min-width: 45px;
    border-radius: 13px;
    background: rgba(255,255,255,0.07);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.um-vmv-statement strong {
    display: block;
    color: #fff;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 4px;
}

.um-vmv-statement p {
    color: #91A49F;
    font-size: 9px;
    line-height: 1.65;
    margin: 0;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-vmv-section {
        padding: 80px 0;
    }

    .um-vmv-card {
        min-height: 400px;
    }

}

@media(max-width: 575px) {

    .um-vmv-section {
        padding: 65px 0;
    }

    .um-vmv-title {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-vmv-card {
        min-height: 390px;
        padding: 24px;
    }

    .um-vmv-bottom {
        left: 24px;
    }

    .um-vmv-statement {
        align-items: flex-start;
        padding: 17px;
    }

}

/* ==========================================
   RATES & TERMS
========================================== */

.um-rates-terms-section {
    padding: 105px 0;
    background: #F7FBFA;
    position: relative;
    overflow: hidden;
}

.um-rates-terms-section::before {
    content: "";
    position: absolute;
    width: 450px;
    height: 450px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,.07);
    left: -270px;
    top: -230px;
}

.um-rates-terms-section::after {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.09);
    right: -180px;
    bottom: -170px;
}

.um-rates-terms-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-rates-terms-head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 30px;
    margin-bottom: 45px;
}

.um-rates-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 14px;
}

.um-rates-kicker i {
    font-size: 13px;
}

.um-rates-terms-head h2 {
    color: #172B2A;
    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
    max-width: 650px;
    margin: 0 0 15px;
}

.um-rates-terms-head h2 span {
    color: #247C72;
}

.um-rates-terms-head p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
    max-width: 620px;
}


/* Header badge */

.um-rates-head-badge {
    display: flex;
    align-items: center;
    gap: 11px;
    padding: 13px 17px;
    background: #fff;
    border: 1px solid #DDEAE7;
    border-radius: 14px;
    white-space: nowrap;
}

.um-rates-head-badge > i {
    width: 38px;
    height: 38px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-rates-head-badge span {
    color: #172B2A;
    font-size: 13px;
    font-weight: 800;
}

.um-rates-head-badge small {
    display: block;
    color: #8A9794;
    font-size: 12px;
    font-weight: 500;
    margin-top: 3px;
}


/* ==========================================
   TERM CARD
========================================== */

.um-rate-term-card {
    height: 100%;
    min-height: 355px;
    padding: 24px;
    border-radius: 21px;
    background: #fff;
    border: 1px solid #DDEAE7;
    position: relative;
    overflow: hidden;
    transition: all .35s ease;
}

.um-rate-term-card::after {
    content: "";
    position: absolute;
    width: 120px;
    height: 120px;
    border-radius: 50%;
    background: #F1F9F7;
    right: -65px;
    bottom: -65px;
    transition: .4s ease;
}

.um-rate-term-card:hover {
    transform: translateY(-7px);
    border-color: #B9D9D4;
    box-shadow: 0 20px 40px rgba(36,124,114,.10);
}

.um-rate-term-card:hover::after {
    transform: scale(1.35);
}


/* Card top */

.um-rate-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
    position: relative;
    z-index: 2;
}

.um-rate-card-top > span {
    color: #C5D4D1;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-rate-card-icon {
    width: 52px;
    height: 52px;
    border-radius: 15px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
    transition: .35s ease;
}

.um-rate-term-card:hover .um-rate-card-icon {
    background: #247C72;
    color: #fff;
    transform: rotate(-5deg);
}

.um-orange-icon {
    background: #FFF2DE;
    color: #D58A20;
}


/* Label */

.um-rate-label {
    color: #84928F;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .8px;
    margin-bottom: 8px;
    position: relative;
    z-index: 2;
}


/* Value */

.um-rate-term-card h3 {
    color: #172B2A;
    font-size: 25px;
    line-height: 1.15;
    font-weight: 800;
    margin: 0 0 14px;
    position: relative;
    z-index: 2;
}

.um-rate-term-card h3 small {
    color: #7F8E8B;
    font-size: 13px;
    font-weight: 700;
}


/* Description */

.um-rate-term-card p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.75;
    margin: 0;
    position: relative;
    z-index: 2;
}


/* Card footer */

.um-rate-card-footer {
    position: absolute;
    left: 24px;
    bottom: 23px;
    display: flex;
    align-items: center;
    gap: 6px;
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    z-index: 3;
}

.um-rate-card-footer i {
    font-size: 14px;
}


/* ==========================================
   FEATURED
========================================== */

.um-rate-featured {
    background: #247C72;
    border-color: #247C72;
}

.um-rate-featured::after {
    background: rgba(255,255,255,.07);
}

.um-rate-featured .um-rate-card-top > span {
    color: rgba(255,255,255,.4);
}

.um-rate-featured .um-rate-card-icon {
    background: rgba(255,255,255,.11);
    color: #fff;
}

.um-rate-featured .um-rate-label {
    color: rgba(255,255,255,.60);
}

.um-rate-featured h3 {
    color: #fff;
}

.um-rate-featured p {
    color: rgba(255,255,255,.70);
}

.um-rate-featured .um-rate-card-footer {
    color: #fff;
}

.um-rate-featured:hover {
    background: #1D665E;
    border-color: #1D665E;
}

.um-rate-featured:hover .um-rate-card-icon {
    background: #fff;
    color: #247C72;
}


/* ==========================================
   APR
========================================== */

.um-rate-apr {
    background: #EFF8F6;
    border-color: #D1E5E1;
}


/* ==========================================
   NO CHARGE
========================================== */

.um-rate-nocharge {
    background: #F5FBF9;
}

.um-rate-nocharge .um-rate-card-icon {
    background: #DFF2EC;
}


/* ==========================================
   WARNING
========================================== */

.um-rate-warning {
    background: #FFF9F1;
    border-color: #F0E1C9;
}

.um-rate-warning .um-rate-card-icon {
    background: #FFF0D7;
    color: #D38A22;
}

.um-rate-warning .um-rate-card-footer {
    color: #C27E1D;
}


/* ==========================================
   BOTTOM BAR
========================================== */

.um-rates-bottom {
    margin-top: 32px;
    padding: 20px 22px;
    background: #172B2A;
    border-radius: 18px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.um-rates-bottom-icon {
    width: 43px;
    height: 43px;
    min-width: 43px;
    border-radius: 12px;
    background: rgba(244,163,64,.10);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
}

.um-rates-bottom-content {
    flex: 1;
}

.um-rates-bottom-content strong {
    display: block;
    color: #fff;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 4px;
}

.um-rates-bottom-content p {
    color: #899D99;
    font-size: 9px;
    line-height: 1.6;
    margin: 0;
}

.um-rates-apply {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 12px 17px;
    border-radius: 10px;
    background: #fff;
    color: #247C72;
    text-decoration: none;
    font-size: 9px;
    font-weight: 800;
    white-space: nowrap;
    transition: .3s ease;
}

.um-rates-apply:hover {
    background: #F4A340;
    color: #fff;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-rates-terms-section {
        padding: 80px 0;
    }

    .um-rates-terms-head {
        align-items: flex-start;
        flex-direction: column;
    }

}

@media(max-width: 575px) {

    .um-rates-terms-section {
        padding: 65px 0;
    }

    .um-rates-terms-head h2 {
        font-size: 36px;
        letter-spacing: -1.5px;
    }

    .um-rates-head-badge {
        width: 100%;
    }

    .um-rate-term-card {
        min-height: 330px;
        padding: 21px;
    }

    .um-rates-bottom {
        align-items: flex-start;
        flex-wrap: wrap;
        padding: 17px;
    }

    .um-rates-apply {
        width: 100%;
        justify-content: center;
    }

}/* ==========================================
   CONTACT SECTION
========================================== */

.um-contact-section {
    padding: 105px 0;
    background: #F7FBFA;
    position: relative;
    overflow: hidden;
}

.um-contact-section::before {
    content: "";
    position: absolute;
    width: 450px;
    height: 450px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,.07);
    left: -280px;
    top: -220px;
}

.um-contact-section::after {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.08);
    right: -180px;
    bottom: -160px;
}

.um-contact-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-contact-header {
    max-width: 760px;
    margin: 0 auto 50px;
    text-align: center;
}

.um-contact-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-contact-kicker i {
    font-size: 14px;
}

.um-contact-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 4vw, 54px);
    line-height: 1.07;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 17px;
}

.um-contact-header h2 span {
    color: #247C72;
}

.um-contact-header p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   LEFT INFORMATION
========================================== */

.um-contact-info {
    height: 100%;
    background: #172B2A;
    border-radius: 25px;
    padding: 32px;
    position: relative;
    overflow: hidden;
}

.um-contact-info::before {
    content: "";
    position: absolute;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.07);
    right: -130px;
    top: -120px;
}

.um-contact-info::after {
    content: "";
    position: absolute;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: rgba(36,124,114,.12);
    left: -100px;
    bottom: -100px;
}

.um-contact-info > * {
    position: relative;
    z-index: 2;
}


/* Info heading */

.um-contact-info-head {
    padding-bottom: 25px;
    margin-bottom: 10px;
    border-bottom: 1px solid rgba(255,255,255,.08);
}

.um-contact-info-head > span {
    color: #F4A340;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.4px;
}

.um-contact-info-head h3 {
    color: #fff;
    font-size: 28px;
    line-height: 1.2;
    font-weight: 800;
    margin: 10px 0 10px;
}

.um-contact-info-head p {
    color: #91A39F;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}


/* Contact items */

.um-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 13px;
    padding: 18px 0;
    border-bottom: 1px solid rgba(255,255,255,.07);
}

.um-contact-item-icon {
    width: 42px;
    height: 42px;
    min-width: 42px;
    border-radius: 12px;
    background: rgba(255,255,255,.07);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.um-contact-item small {
    display: block;
    color: #728581;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .8px;
    margin-bottom: 5px;
}

.um-contact-item a,
.um-contact-item strong {
    display: block;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 4px;
}

.um-contact-item a:hover {
    color: #69B9AE;
}

.um-contact-item span {
    display: block;
    color: #81938F;
    font-size: 12px;
    line-height: 1.5;
}


/* Support */

.um-contact-support {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    margin-top: 20px;
    padding: 15px;
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(255,255,255,.07);
    border-radius: 13px;
}

.um-contact-support-icon {
    width: 35px;
    height: 35px;
    min-width: 35px;
    border-radius: 10px;
    background: rgba(244,163,64,.10);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-contact-support strong {
    color: #fff;
    font-size: 9px;
}

.um-contact-support p {
    color: #81938F;
    font-size: 12px;
    line-height: 1.6;
    margin: 4px 0 0;
}


/* ==========================================
   FORM
========================================== */

.um-contact-form-box {
    height: 100%;
    background: #fff;
    border: 1px solid #DDEAE7;
    border-radius: 25px;
    padding: 32px;
    box-shadow: 0 15px 35px rgba(36,124,114,.05);
}

.um-contact-form-heading {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 22px;
    margin-bottom: 5px;
    border-bottom: 1px solid #E5EEEC;
}

.um-contact-form-heading > div:first-child > span {
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-contact-form-heading h3 {
    color: #172B2A;
    font-size: 21px;
    font-weight: 800;
    margin: 7px 0 0;
}

.um-contact-form-icon {
    width: 46px;
    height: 46px;
    border-radius: 13px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}


/* Labels */

.um-contact-form-box label:not(.um-contact-checkbox) {
    display: block;
    color: #3F504D;
    font-size: 9px;
    font-weight: 800;
    margin-bottom: 7px;
}

.um-contact-form-box label span {
    color: #9AA7A4;
    font-weight: 500;
}


/* Input wrapper */

.um-input-wrap {
    position: relative;
}

.um-input-wrap > i {
    position: absolute;
    left: 13px;
    top: 50%;
    transform: translateY(-50%);
    color: #8AA19D;
    font-size: 13px;
    z-index: 2;
}

.um-input-wrap .form-control,
.um-input-wrap .form-select {
    height: 47px;
    border-radius: 11px;
    border: 1px solid #DDE8E5;
    background: #FAFCFB;
    color: #344643;
    font-size: 13px;
    padding-left: 38px;
    box-shadow: none;
    transition: .25s ease;
}

.um-input-wrap .form-select {
    cursor: pointer;
}

.um-input-wrap .form-control::placeholder {
    color: #A4AFAD;
}

.um-input-wrap .form-control:focus,
.um-input-wrap .form-select:focus {
    border-color: #8EC8C0;
    background: #fff;
    box-shadow: 0 0 0 3px rgba(36,124,114,.06);
}


/* Textarea */

.um-textarea-wrap > i {
    top: 16px;
    transform: none;
}

.um-textarea-wrap textarea {
    height: auto !important;
    min-height: 110px;
    resize: vertical;
    padding-top: 13px;
}


/* Checkbox */

.um-contact-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    cursor: pointer;
}

.um-contact-checkbox input {
    width: 15px;
    height: 15px;
    min-width: 15px;
    margin-top: 1px;
    accent-color: #247C72;
}

.um-contact-checkbox span {
    color: #7C8A87;
    font-size: 12px;
    line-height: 1.65;
}


/* Submit */

.um-contact-submit {
    width: 100%;
    border: 0;
    border-radius: 11px;
    background: #247C72;
    color: #fff;
    padding: 14px 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-size: 13px;
    font-weight: 800;
    cursor: pointer;
    transition: .3s ease;
}

.um-contact-submit:hover {
    background: #1D665E;
    transform: translateY(-2px);
    box-shadow: 0 12px 25px rgba(36,124,114,.16);
}


/* ==========================================
   BOTTOM SUPPORT BAR
========================================== */

.um-contact-bottom {
    margin-top: 25px;
    padding: 17px 20px;
    background: #fff;
    border: 1px solid #DDEAE7;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: 20px;
}

.um-contact-bottom-item {
    display: flex;
    align-items: center;
    gap: 9px;
}

.um-contact-bottom-item > div {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-contact-bottom-item span {
    color: #5C6C69;
    font-size: 9px;
    font-weight: 700;
}

.um-contact-bottom-line {
    width: 1px;
    height: 28px;
    background: #E1EBE9;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-contact-section {
        padding: 80px 0;
    }

    .um-contact-info {
        min-height: auto;
    }

}

@media(max-width: 767px) {

    .um-contact-bottom {
        display: grid;
        grid-template-columns: 1fr 1fr;
    }

    .um-contact-bottom-line {
        display: none;
    }

}

@media(max-width: 575px) {

    .um-contact-section {
        padding: 65px 0;
    }

    .um-contact-header h2 {
        font-size: 37px;
        letter-spacing: -1.7px;
    }

    .um-contact-info,
    .um-contact-form-box {
        padding: 22px;
        border-radius: 20px;
    }

    .um-contact-info-head h3 {
        font-size: 24px;
    }

    .um-contact-bottom {
        grid-template-columns: 1fr;
    }

    .um-contact-bottom-item {
        width: 100%;
    }

}
/* ==========================================
   REPAY LOAN SECTION
========================================== */

.um-repay-section {
    padding: 105px 0;
    background: #F7FBFA;
    position: relative;
    overflow: hidden;
}

.um-repay-section::before {
    content: "";
    position: absolute;
    width: 450px;
    height: 450px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,.07);
    left: -270px;
    top: -220px;
}

.um-repay-section::after {
    content: "";
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.08);
    right: -190px;
    bottom: -180px;
}

.um-repay-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-repay-header {
    max-width: 760px;
    margin: 0 auto 50px;
    text-align: center;
}

.um-repay-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-repay-kicker i {
    font-size: 14px;
}

.um-repay-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 4vw, 54px);
    line-height: 1.07;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin-bottom: 17px;
}

.um-repay-header h2 span {
    color: #247C72;
}

.um-repay-header p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   LEFT FORM CARD
========================================== */

.um-repay-form-card {
    height: 100%;
    padding: 32px;
    background: #ffffff;
    border: 1px solid #DDEAE7;
    border-radius: 25px;
    box-shadow: 0 15px 35px rgba(36,124,114,.05);
}

.um-repay-card-heading {
    display: flex;
    align-items: center;
    gap: 14px;
    padding-bottom: 22px;
    margin-bottom: 25px;
    border-bottom: 1px solid #E5EEEC;
}

.um-repay-heading-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
    border-radius: 15px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
}

.um-repay-card-heading span {
    display: block;
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 5px;
}

.um-repay-card-heading h3 {
    color: #172B2A;
    font-size: 20px;
    font-weight: 800;
    margin: 0;
}


/* ==========================================
   FORM FIELDS
========================================== */

.um-repay-field {
    margin-bottom: 20px;
}

.um-repay-field label {
    display: block;
    color: #3F504D;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 7px;
}

.um-repay-input {
    position: relative;
}

.um-repay-input > i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: #8AA19D;
    font-size: 14px;
    z-index: 2;
}

.um-repay-input .form-control {
    height: 50px;
    padding-left: 40px;
    border-radius: 12px;
    border: 1px solid #DDE8E5;
    background: #FAFCFB;
    color: #344643;
    font-size: 13px;
    box-shadow: none;
    transition: .25s ease;
}

.um-repay-input .form-control::placeholder {
    color: #A3AFAC;
}

.um-repay-input .form-control:focus {
    background: #fff;
    border-color: #8EC8C0;
    box-shadow: 0 0 0 3px rgba(36,124,114,.06);
}


/* ==========================================
   SUBMIT
========================================== */

.um-repay-submit {
    width: 100%;
    border: 0;
    border-radius: 12px;
    background: #247C72;
    color: #fff;
    padding: 15px 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-size: 13px;
    font-weight: 800;
    cursor: pointer;
    transition: .3s ease;
}

.um-repay-submit:hover {
    background: #1D665E;
    transform: translateY(-2px);
    box-shadow: 0 12px 25px rgba(36,124,114,.17);
}


/* Security */

.um-repay-secure {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 17px;
    padding: 12px;
    background: #F5FAF8;
    border-radius: 10px;
    color: #7E8D8A;
    font-size: 12px;
    line-height: 1.5;
}

.um-repay-secure i {
    color: #247C72;
    font-size: 13px;
}


/* ==========================================
   BANK CARD
========================================== */

.um-repay-bank-card {
    height: 100%;
    padding: 32px;
    background: #172B2A;
    border-radius: 25px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 20px 45px rgba(23,43,42,.12);
}

.um-repay-bank-card::before {
    content: "";
    position: absolute;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.07);
    right: -140px;
    top: -150px;
}

.um-repay-bank-card::after {
    content: "";
    position: absolute;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: rgba(36,124,114,.12);
    left: -100px;
    bottom: -100px;
}

.um-repay-bank-card > * {
    position: relative;
    z-index: 2;
}


/* Bank heading */

.um-repay-bank-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 22px;
    border-bottom: 1px solid rgba(255,255,255,.08);
}

.um-repay-bank-top > div:first-child span {
    color: #F4A340;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.um-repay-bank-top h3 {
    color: #fff;
    font-size: 19px;
    font-weight: 800;
    margin: 7px 0 0;
}

.um-bank-icon {
    width: 48px;
    height: 48px;
    border-radius: 13px;
    background: rgba(255,255,255,.08);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}


/* ==========================================
   BANK CONTENT
========================================== */

.um-bank-content {
    display: grid;
    grid-template-columns: 1fr 170px;
    gap: 25px;
    align-items: center;
    padding: 25px 0;
}


/* Bank details */

.um-bank-details {
    border: 1px solid rgba(255,255,255,.07);
    border-radius: 14px;
    overflow: hidden;
}

.um-bank-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    padding: 12px 14px;
    border-bottom: 1px solid rgba(255,255,255,.06);
}

.um-bank-row:last-child {
    border-bottom: 0;
}

.um-bank-row span {
    color: #778C87;
    font-size: 12px;
}

.um-bank-row strong {
    color: #E6EFED;
    font-size: 9px;
    font-weight: 700;
    text-align: right;
}


/* ==========================================
   QR
========================================== */

.um-repay-qr {
    text-align: center;
}

.um-qr-frame {
    width: 145px;
    height: 145px;
    padding: 9px;
    background: #fff;
    border-radius: 15px;
    margin: 0 auto 10px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-qr-frame img {
    width: 100%;
    height: 100%;
    object-fit: contain;
    display: block;
}

.um-repay-qr > span {
    display: block;
    color: #F4A340;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 4px;
}

.um-repay-qr strong {
    display: block;
    color: #fff;
    font-size: 9px;
    margin-bottom: 4px;
}

.um-repay-qr small {
    display: block;
    color: #7D918C;
    font-size: 10px;
}


/* ==========================================
   BANK NOTE
========================================== */

.um-bank-note {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    padding: 13px;
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(255,255,255,.07);
    border-radius: 11px;
}

.um-bank-note i {
    color: #F4A340;
    font-size: 13px;
}

.um-bank-note span {
    color: #8CA09B;
    font-size: 12px;
    line-height: 1.6;
}


/* ==========================================
   BOTTOM FEATURES
========================================== */

.um-repay-features {
    margin-top: 25px;
    padding: 17px 20px;
    background: #fff;
    border: 1px solid #DDEAE7;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: 20px;
}

.um-repay-feature {
    display: flex;
    align-items: center;
    gap: 9px;
}

.um-repay-feature > div {
    width: 35px;
    height: 35px;
    border-radius: 9px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-repay-feature span {
    color: #5C6C69;
    font-size: 9px;
    font-weight: 700;
}

.um-repay-feature-line {
    width: 1px;
    height: 28px;
    background: #E1EBE9;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-repay-section {
        padding: 80px 0;
    }

    .um-bank-content {
        grid-template-columns: 1fr 160px;
    }

}

@media(max-width: 767px) {

    .um-bank-content {
        grid-template-columns: 1fr;
    }

    .um-repay-qr {
        padding-top: 5px;
    }

    .um-repay-features {
        display: grid;
        grid-template-columns: 1fr 1fr;
    }

    .um-repay-feature-line {
        display: none;
    }

}

@media(max-width: 575px) {

    .um-repay-section {
        padding: 65px 0;
    }

    .um-repay-header h2 {
        font-size: 37px;
        letter-spacing: -1.7px;
    }

    .um-repay-form-card,
    .um-repay-bank-card {
        padding: 22px;
        border-radius: 20px;
    }

    .um-repay-bank-top h3 {
        font-size: 17px;
    }

    .um-bank-row {
        align-items: flex-start;
        flex-direction: column;
        gap: 4px;
    }

    .um-bank-row strong {
        text-align: left;
    }

    .um-repay-features {
        grid-template-columns: 1fr;
    }

}

.um-faq-unique {
    padding: 105px 0;
    background: #F3F9F7;
    position: relative;
    overflow: hidden;
}

.um-faq-unique::before {
    content: "";
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: rgba(36,124,114,.045);
    left: -320px;
    top: -260px;
}

.um-faq-unique::after {
    content: "";
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.10);
    right: -170px;
    bottom: -160px;
}

.um-faq-unique .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-faq-unique-head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 40px;
    margin-bottom: 48px;
}

.um-faq-mini-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-faq-mini-label > span {
    width: 24px;
    height: 3px;
    border-radius: 20px;
    background: #F4A340;
}

.um-faq-title-wrap h2 {
    color: #172B2A;
    font-size: clamp(40px, 4.5vw, 58px);
    line-height: 1.02;
    letter-spacing: -3px;
    font-weight: 800;
    margin: 0;
}

.um-faq-title-wrap h2 span {
    color: #247C72;
}

.um-faq-intro {
    max-width: 360px;
    display: flex;
    align-items: flex-start;
    gap: 13px;
    padding: 18px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 16px;
}

.um-faq-intro-icon {
    width: 42px;
    height: 42px;
    min-width: 42px;
    border-radius: 12px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
}

.um-faq-intro p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   FAQ COLUMN
========================================== */

.um-faq-column {
    display: flex;
    flex-direction: column;
    gap: 13px;
}


/* ==========================================
   FAQ ITEM
========================================== */

.um-faq-modern-item {
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    overflow: hidden;
    position: relative;
    transition: all .35s ease;
}

.um-faq-modern-item::before {
    content: "";
    position: absolute;
    width: 3px;
    height: 0;
    background: #F4A340;
    left: 0;
    top: 0;
    border-radius: 0 5px 5px 0;
    transition: .35s ease;
}

.um-faq-modern-item:hover,
.um-faq-modern-item:has(
    .um-faq-modern-question:not(.collapsed)
) {
    border-color: #BBDAD5;
    box-shadow: 0 15px 30px rgba(36,124,114,.08);
    transform: translateX(3px);
}

.um-faq-modern-item:has(
    .um-faq-modern-question:not(.collapsed)
)::before {
    height: 100%;
}


/* ==========================================
   QUESTION
========================================== */

.um-faq-modern-question {
    width: 100%;
    min-height: 78px;
    border: 0;
    padding: 17px 18px;
    background: transparent;
    display: flex;
    align-items: center;
    gap: 14px;
    text-align: left;
    cursor: pointer;
}

.um-faq-index {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 12px;
    background: #F0F7F5;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.um-faq-modern-question:not(.collapsed) .um-faq-index {
    background: #247C72;
    color: #fff;
}

.um-faq-q-text {
    flex: 1;
    color: #1E302D;
    font-size: 14px;
    font-weight: 800;
    line-height: 1.5;
}

.um-faq-circle {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 50%;
    background: #F7FAF9;
    border: 1px solid #DFEAE8;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: .35s ease;
}

.um-faq-circle i {
    font-size: 13px;
    transition: .35s ease;
}

.um-faq-modern-question:not(.collapsed) .um-faq-circle {
    background: #F4A340;
    border-color: #F4A340;
    color: #fff;
    transform: rotate(45deg);
}


/* ==========================================
   ANSWER
========================================== */

.um-faq-modern-answer {
    padding: 0 25px 22px 71px;
    color: #6F7F7B;
    font-size: 14px;
    line-height: 1.8;
}


/* ==========================================
   BOTTOM CTA
========================================== */

.um-faq-bottom {
    margin-top: 32px;
    padding: 17px 20px;
    background: #172B2A;
    border-radius: 17px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.um-faq-bottom-left {
    display: flex;
    align-items: center;
    gap: 12px;
}

.um-faq-bottom-icon {
    width: 43px;
    height: 43px;
    min-width: 43px;
    border-radius: 12px;
    background: rgba(255,255,255,.08);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-faq-bottom strong {
    display: block;
    color: #fff;
    font-size: 14px;
    margin-bottom: 3px;
}

.um-faq-bottom-left span {
    display: block;
    color: #879A95;
    font-size: 13px;
}

.um-faq-bottom > a {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 11px 17px;
    border-radius: 10px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.um-faq-bottom > a:hover {
    background: #F4A340;
    transform: translateY(-2px);
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-faq-unique {
        padding: 80px 0;
    }

    .um-faq-unique-head {
        align-items: flex-start;
        flex-direction: column;
    }

    .um-faq-intro {
        max-width: 600px;
    }

}

@media(max-width: 575px) {

    .um-faq-unique {
        padding: 65px 0;
    }

    .um-faq-title-wrap h2 {
        font-size: 39px;
        letter-spacing: -2px;
    }

    .um-faq-intro {
        padding: 15px;
    }

    .um-faq-modern-question {
        min-height: 70px;
        padding: 14px;
        gap: 9px;
    }

    .um-faq-index {
        width: 32px;
        height: 32px;
        min-width: 32px;
        font-size: 9px;
    }

    .um-faq-q-text {
        font-size: 14px;
    }

    .um-faq-circle {
        width: 29px;
        height: 29px;
        min-width: 29px;
    }

    .um-faq-modern-answer {
        padding: 0 17px 19px 55px;
        font-size: 14px;
    }

    .um-faq-bottom {
        align-items: flex-start;
        flex-direction: column;
    }

    .um-faq-bottom > a {
        width: 100%;
        justify-content: center;
    }

}
/* ==========================================
   APPLY SECTION
========================================== */

.um-apply-section {
    padding: 110px 0;
    background: #F4FAF8;
    position: relative;
    overflow: hidden;
}

.um-apply-section::before {
    content: "";
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: rgba(36,124,114,.045);
    left: -300px;
    top: -250px;
}

.um-apply-section::after {
    content: "";
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.12);
    right: -200px;
    bottom: -170px;
}

.um-apply-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   MAIN WRAPPER
========================================== */

.um-apply-wrapper {
    display: grid;
    grid-template-columns: 36% 64%;
    background: #fff;
    border-radius: 28px;
    overflow: hidden;
    box-shadow: 0 25px 70px rgba(24,64,59,.10);
    border: 1px solid #DCEAE7;
}


/* ==========================================
   LEFT PANEL
========================================== */

.um-apply-info {
    position: relative;
    padding: 45px 38px;
    background: #172B2A;
    overflow: hidden;
}

.um-apply-info-pattern {
    position: absolute;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.07);
    right: -200px;
    top: -180px;
}

.um-apply-info::after {
    content: "";
    position: absolute;
    width: 230px;
    height: 230px;
    border-radius: 50%;
    background: rgba(36,124,114,.13);
    left: -150px;
    bottom: -130px;
}

.um-apply-info > * {
    position: relative;
    z-index: 2;
}


/* Kicker */

.um-apply-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #F4A340;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 22px;
}

.um-apply-kicker i {
    font-size: 13px;
}


/* Heading */

.um-apply-info h2 {
    color: #fff;
    font-size: 39px;
    line-height: 1.08;
    letter-spacing: -1.8px;
    font-weight: 800;
    margin: 0 0 18px;
}

.um-apply-info h2 span {
    color: #69B9AE;
}

.um-apply-info > p {
    color: #91A39F;
    font-size: 14px;
    line-height: 1.8;
    margin-bottom: 30px;
}


/* ==========================================
   LOAN BOX
========================================== */

.um-apply-loan-box {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 17px;
    background: rgba(255,255,255,.055);
    border: 1px solid rgba(255,255,255,.08);
    border-radius: 15px;
    margin-bottom: 35px;
}

.um-apply-loan-icon {
    width: 48px;
    height: 48px;
    min-width: 48px;
    border-radius: 13px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.um-apply-loan-box small {
    display: block;
    color: #718581;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 4px;
}

.um-apply-loan-box strong {
    display: block;
    color: #fff;
    font-size: 17px;
    font-weight: 800;
}

.um-apply-loan-box span {
    color: #788D88;
    display: block;
    font-size: 12px;
    margin-top: 3px;
}


/* ==========================================
   STEPS
========================================== */

.um-apply-steps {
    margin-bottom: 32px;
}

.um-apply-step {
    display: flex;
    align-items: center;
    gap: 13px;
}

.um-step-circle {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.13);
    color: #70827E;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 9px;
    font-weight: 800;
}

.um-apply-step.active .um-step-circle {
    background: #F4A340;
    border-color: #F4A340;
    color: #fff;
}

.um-apply-step strong {
    display: block;
    color: #DDE8E5;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 3px;
}

.um-apply-step span {
    display: block;
    color: #70827E;
    font-size: 12px;
}

.um-step-line {
    width: 1px;
    height: 25px;
    background: rgba(255,255,255,.10);
    margin: 4px 0 4px 18px;
}


/* Trust */

.um-apply-trust {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    padding-top: 20px;
    border-top: 1px solid rgba(255,255,255,.08);
}

.um-apply-trust div {
    width: 30px;
    height: 30px;
    min-width: 30px;
    border-radius: 9px;
    background: rgba(36,124,114,.18);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.um-apply-trust span {
    color: #7E928D;
    font-size: 12px;
    line-height: 1.6;
}


/* ==========================================
   FORM CARD
========================================== */

.um-apply-form-card {
    padding: 40px 42px 25px;
    background: #fff;
}


/* Header */

.um-apply-form-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 22px;
    margin-bottom: 23px;
    border-bottom: 1px solid #E5EEEC;
}

.um-apply-form-head span {
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.3px;
}

.um-apply-form-head h3 {
    color: #172B2A;
    font-size: 24px;
    font-weight: 800;
    margin: 6px 0 5px;
}

.um-apply-form-head p {
    color: #899693;
    font-size: 13px;
    margin: 0;
}

.um-form-number {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}


/* ==========================================
   FORM FIELDS
========================================== */

.um-form-field {
    height: 100%;
}

.um-form-field label {
    display: block;
    color: #3B4D49;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 7px;
}

.um-form-input {
    position: relative;
}

.um-form-input > i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: #88A09B;
    font-size: 14px;
    z-index: 3;
}

.um-form-input .form-control,
.um-form-input .form-select {
    height: 49px;
    width: 100%;
    border: 1px solid #D8E5E2;
    border-radius: 12px;
    background: #FAFCFB;
    color: #334541;
    padding-left: 40px;
    padding-right: 35px;
    font-size: 14px;
    box-shadow: none;
    transition: all .25s ease;
}

.um-form-input .form-control::placeholder {
    color: #A0AEAB;
}

.um-form-input .form-control:focus,
.um-form-input .form-select:focus {
    border-color: #247C72;
    background: #fff;
    box-shadow: 0 0 0 3px rgba(36,124,114,.07);
}

.um-form-input .form-select {
    cursor: pointer;
}


/* ==========================================
   CONSENT
========================================== */

.um-apply-consent {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-top: 8px;
    cursor: pointer;
}

.um-apply-consent input {
    width: 16px;
    height: 16px;
    min-width: 16px;
    margin-top: 2px;
    accent-color: #247C72;
}

.um-apply-consent span {
    color: #7C8986;
    font-size: 13px;
    line-height: 1.7;
}

.um-apply-consent a {
    color: #247C72;
    font-weight: 700;
    text-decoration: none;
}

.um-apply-consent a:hover {
    color: #F4A340;
}


/* ==========================================
   SUBMIT
========================================== */

.um-apply-submit {
    width: 100%;
    height: 52px;
    border: 0;
    border-radius: 12px;
    background: #247C72;
    color: #fff;
    margin-top: 8px;
    padding: 0 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    font-size: 14px;
    font-weight: 800;
    cursor: pointer;
    transition: all .3s ease;
}

.um-apply-submit i {
    font-size: 17px;
    transition: .3s ease;
}

.um-apply-submit:hover {
    background: #1D665E;
    box-shadow: 0 12px 28px rgba(36,124,114,.20);
    transform: translateY(-2px);
}

.um-apply-submit:hover i {
    transform: translateX(5px);
}


/* ==========================================
   FORM FOOTER
========================================== */

.um-form-footer {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 25px;
    margin-top: 20px;
    padding-top: 17px;
    border-top: 1px solid #E8EFED;
}

.um-form-footer div {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #7E8E8A;
    font-size: 9px;
    font-weight: 700;
}

.um-form-footer i {
    color: #247C72;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 1199px) {

    .um-apply-wrapper {
        grid-template-columns: 34% 66%;
    }

    .um-apply-info {
        padding: 35px 28px;
    }

    .um-apply-form-card {
        padding: 35px 30px 22px;
    }

}

@media(max-width: 991px) {

    .um-apply-section {
        padding: 80px 0;
    }

    .um-apply-wrapper {
        grid-template-columns: 1fr;
    }

    .um-apply-info {
        padding: 40px;
    }

    .um-apply-info h2 {
        max-width: 600px;
    }

    .um-apply-info > p {
        max-width: 650px;
    }

}

@media(max-width: 767px) {

    .um-apply-form-card {
        padding: 30px 25px 20px;
    }

    .um-apply-info {
        padding: 35px 25px;
    }

    .um-apply-info h2 {
        font-size: 34px;
    }

    .um-form-input .form-control,
    .um-form-input .form-select {
        height: 50px;
        font-size: 14px;
    }

    .um-form-footer {
        flex-wrap: wrap;
        gap: 13px 20px;
    }

}

@media(max-width: 575px) {

    .um-apply-section {
        padding: 60px 0;
    }

    .um-apply-wrapper {
        border-radius: 20px;
    }

    .um-apply-info {
        padding: 28px 20px;
    }

    .um-apply-form-card {
        padding: 25px 18px 20px;
    }

    .um-apply-form-head h3 {
        font-size: 21px;
    }

    .um-form-number {
        width: 42px;
        height: 42px;
        min-width: 42px;
    }

    .um-apply-loan-box strong {
        font-size: 13px;
    }

    .um-apply-submit {
        font-size: 14px;
    }

}

/* ==========================================
   RATES & CHARGES
========================================== */

.um-charges-section {
    padding: 110px 0;
    background: #F5FAF8;
    position: relative;
    overflow: hidden;
}

.um-charges-section::before {
    content: "";
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: rgba(36,124,114,.04);
    left: -300px;
    top: -260px;
}

.um-charges-section::after {
    content: "";
    position: absolute;
    width: 340px;
    height: 340px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.10);
    right: -180px;
    bottom: -160px;
}

.um-charges-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-charges-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 40px;
    margin-bottom: 45px;
}

.um-charges-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 14px;
}

.um-charges-kicker i {
    font-size: 14px;
}

.um-charges-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 4vw, 55px);
    line-height: 1.05;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin: 0;
}

.um-charges-header h2 span {
    color: #247C72;
}

.um-charges-header > p {
    max-width: 390px;
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0 0 4px;
}


/* ==========================================
   MAIN LAYOUT
========================================== */

.um-charges-layout {
    display: grid;
    grid-template-columns: 31% 69%;
    gap: 20px;
}


/* ==========================================
   FEATURED CARD
========================================== */

.um-main-charge-card {
    min-height: 500px;
    padding: 30px;
    border-radius: 25px;
    background: #172B2A;
    color: #fff;
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    box-shadow: 0 20px 45px rgba(23,43,42,.13);
}

.um-charge-pattern {
    position: absolute;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.07);
    right: -190px;
    top: -180px;
}

.um-main-charge-card::after {
    content: "";
    position: absolute;
    width: 210px;
    height: 210px;
    border-radius: 50%;
    background: rgba(36,124,114,.13);
    left: -120px;
    bottom: -120px;
}

.um-main-charge-card > * {
    position: relative;
    z-index: 2;
}

.um-main-charge-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.um-main-charge-top > span {
    color: #728681;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-main-charge-icon {
    width: 52px;
    height: 52px;
    border-radius: 15px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
}

.um-main-charge-content {
    margin-top: 42px;
}

.um-main-charge-content small {
    display: block;
    color: #78908A;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-main-charge-content h3 {
    color: #fff;
    font-size: 42px;
    line-height: 1;
    letter-spacing: -1.5px;
    font-weight: 800;
    margin: 9px 0 22px;
}

.um-main-charge-content h4 {
    color: #fff;
    font-size: 28px;
    font-weight: 800;
    margin: 8px 0 17px;
}

.um-charge-divider {
    height: 1px;
    background: rgba(255,255,255,.09);
    margin: 0 0 20px;
}

.um-main-charge-content p {
    color: #829691;
    font-size: 13px;
    line-height: 1.75;
    margin: 0;
}

.um-main-charge-bottom {
    margin-top: auto;
    padding-top: 22px;
    border-top: 1px solid rgba(255,255,255,.08);
}

.um-main-charge-bottom div {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #91A39F;
    font-size: 9px;
    margin-right: 14px;
}

.um-main-charge-bottom i {
    color: #69B9AE;
}


/* ==========================================
   CHARGE GRID
========================================== */

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


/* ==========================================
   CHARGE CARD
========================================== */

.um-charge-card {
    min-height: 240px;
    padding: 24px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 20px;
    position: relative;
    overflow: hidden;
    transition: all .35s ease;
}

.um-charge-card::after {
    content: "";
    position: absolute;
    width: 110px;
    height: 110px;
    border-radius: 50%;
    background: #F2F9F7;
    right: -65px;
    bottom: -65px;
    transition: .4s ease;
}

.um-charge-card:hover {
    transform: translateY(-7px);
    border-color: #B9D9D4;
    box-shadow: 0 18px 35px rgba(36,124,114,.09);
}

.um-charge-card:hover::after {
    transform: scale(1.4);
}

.um-charge-card > * {
    position: relative;
    z-index: 2;
}


/* Card top */

.um-charge-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 25px;
}

.um-charge-card-top > span {
    color: #C5D3D0;
    font-size: 9px;
    font-weight: 800;
}

.um-charge-icon {
    width: 45px;
    height: 45px;
    border-radius: 13px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    transition: .3s ease;
}

.um-charge-card:hover .um-charge-icon {
    background: #247C72;
    color: #fff;
    transform: rotate(-5deg);
}


/* Label */

.um-charge-card > small {
    display: block;
    color: #899793;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .9px;
    margin-bottom: 9px;
}


/* Value */

.um-charge-card h3 {
    color: #172B2A;
    font-size: 23px;
    line-height: 1.15;
    font-weight: 800;
    margin: 0 0 12px;
}

.um-charge-card h3 em {
    color: #899793;
    font-size: 13px;
    font-style: normal;
    font-weight: 700;
}

.um-charge-card h3 > span {
    color: #B6C3C0;
    margin: 0 4px;
}


/* Description */

.um-charge-card p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   CARD VARIANTS
========================================== */

.um-orange-card {
    background: #FFF9F0;
    border-color: #F1E2C9;
}

.um-orange-card .um-charge-icon {
    background: #FFF0D7;
    color: #D48B24;
}

.um-orange-card:hover .um-charge-icon {
    background: #F4A340;
    color: #fff;
}


.um-green-card {
    background: #F3FAF7;
}

.um-green-card .um-charge-icon {
    background: #DFF2EC;
}


.um-apr-card {
    background: #EDF8F5;
    border-color: #D1E6E1;
}

.um-apr-card .um-charge-icon {
    background: #D9EEE9;
}


.um-warning-card {
    background: #FFF9F1;
    border-color: #F0E1C9;
}

.um-warning-card .um-charge-icon {
    background: #FFF0D7;
    color: #D38A22;
}

.um-warning-card:hover .um-charge-icon {
    background: #D38A22;
    color: #fff;
}


/* ==========================================
   BOTTOM NOTE
========================================== */

.um-charges-note {
    margin-top: 22px;
    padding: 18px 20px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 15px;
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.um-charges-note-icon {
    width: 36px;
    height: 36px;
    min-width: 36px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-charges-note strong {
    display: block;
    color: #243532;
    font-size: 13px;
    margin-bottom: 4px;
}

.um-charges-note p {
    color: #7A8885;
    font-size: 9px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 1100px) {

    .um-charges-layout {
        grid-template-columns: 1fr;
    }

    .um-main-charge-card {
        min-height: auto;
    }

    .um-main-charge-content {
        margin-top: 30px;
    }

}

@media(max-width: 991px) {

    .um-charges-section {
        padding: 80px 0;
    }

    .um-charges-header {
        align-items: flex-start;
        flex-direction: column;
        gap: 15px;
    }

    .um-charges-header > p {
        max-width: 650px;
    }

    .um-charge-grid {
        grid-template-columns: repeat(2, 1fr);
    }

}

@media(max-width: 575px) {

    .um-charges-section {
        padding: 65px 0;
    }

    .um-charges-header h2 {
        font-size: 37px;
        letter-spacing: -1.7px;
    }

    .um-main-charge-card {
        padding: 24px;
        border-radius: 20px;
    }

    .um-main-charge-content h3 {
        font-size: 36px;
    }

    .um-charge-grid {
        grid-template-columns: 1fr;
        gap: 13px;
    }

    .um-charge-card {
        min-height: auto;
    }

    .um-charges-note {
        padding: 15px;
    }

}
/* ==========================================
   ELIGIBILITY SECTION
========================================== */

.um-eligibility-section {
    padding: 105px 0;
    background: #FFFFFF;
    position: relative;
    overflow: hidden;
}

.um-eligibility-section::before {
    content: "";
    position: absolute;
    width: 460px;
    height: 460px;
    border-radius: 50%;
    background: #F2F9F7;
    left: -290px;
    top: -240px;
}

.um-eligibility-section::after {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.10);
    right: -170px;
    bottom: -170px;
}

.um-eligibility-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   HEADER
========================================== */

.um-eligibility-header {
    max-width: 780px;
    text-align: center;
    margin: 0 auto 48px;
}

.um-eligibility-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 14px;
}

.um-eligibility-kicker i {
    font-size: 14px;
}

.um-eligibility-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 4vw, 54px);
    line-height: 1.07;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin: 0 0 15px;
}

.um-eligibility-header h2 span {
    color: #247C72;
}

.um-eligibility-header p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   ELIGIBILITY CARD
========================================== */

.um-eligibility-card {
    height: 100%;
    background: #F4FAF8;
    border: 1px solid #DCEAE7;
    border-radius: 25px;
    padding: 30px;
    position: relative;
    overflow: hidden;
}

.um-eligibility-card::after {
    content: "";
    position: absolute;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,.07);
    right: -130px;
    bottom: -110px;
}


/* ==========================================
   CARD HEADER
========================================== */

.um-eligibility-card-head,
.um-documents-card-head {
    display: flex;
    align-items: center;
    gap: 13px;
    padding-bottom: 22px;
    margin-bottom: 5px;
    border-bottom: 1px solid #DCE9E6;
    position: relative;
    z-index: 2;
}

.um-eligibility-icon,
.um-documents-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
    border-radius: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
}

.um-eligibility-icon {
    background: #247C72;
    color: #fff;
}

.um-documents-icon {
    background: #FFF0D8;
    color: #D58B24;
}

.um-eligibility-card-head span,
.um-documents-card-head span {
    display: block;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 5px;
}

.um-eligibility-card-head span {
    color: #247C72;
}

.um-documents-card-head span {
    color: #D18A26;
}

.um-eligibility-card-head h3,
.um-documents-card-head h3 {
    color: #172B2A;
    font-size: 21px;
    font-weight: 800;
    margin: 0;
}

.um-eligibility-number,
.um-documents-number {
    margin-left: auto;
    color: #C0D0CC;
    font-size: 13px;
    font-weight: 800;
}


/* ==========================================
   ELIGIBILITY LIST
========================================== */

.um-eligibility-list {
    padding-top: 10px;
    position: relative;
    z-index: 2;
}

.um-eligibility-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 13px 0;
    border-bottom: 1px dashed #D9E6E3;
}

.um-eligibility-item:last-child {
    border-bottom: 0;
}

.um-check-icon {
    width: 29px;
    height: 29px;
    min-width: 29px;
    border-radius: 9px;
    background: #E0F2ED;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-eligibility-item strong {
    display: block;
    color: #263A36;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 3px;
}

.um-eligibility-item p {
    color: #778681;
    font-size: 14px;
    line-height: 1.6;
    margin: 0;
}


/* ==========================================
   ELIGIBILITY NOTE
========================================== */

.um-eligibility-bottom {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    margin-top: 17px;
    padding: 12px 14px;
    background: rgba(36,124,114,.06);
    border-radius: 11px;
    position: relative;
    z-index: 2;
}

.um-eligibility-bottom i {
    color: #247C72;
    font-size: 14px;
}

.um-eligibility-bottom span {
    color: #72817E;
    font-size: 13px;
    line-height: 1.6;
}


/* ==========================================
   DOCUMENT CARD
========================================== */

.um-documents-card {
    height: 100%;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 25px;
    padding: 30px;
    box-shadow: 0 15px 40px rgba(36,124,114,.06);
}

.um-documents-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    padding: 18px 0 20px;
}


/* Document */

.um-document {
    min-height: 82px;
    padding: 13px;
    border: 1px solid #E2EBE9;
    border-radius: 13px;
    background: #FAFCFB;
    display: flex;
    align-items: center;
    gap: 10px;
    transition: .3s ease;
}

.um-document:hover {
    border-color: #B9D9D4;
    background: #F3FAF8;
    transform: translateY(-2px);
}

.um-document-icon {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-document strong {
    display: block;
    color: #2B3E3A;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 3px;
}

.um-document span {
    display: block;
    color: #8A9794;
    font-size: 9px;
    line-height: 1.4;
}

.um-document > i {
    margin-left: auto;
    color: #55A99D;
    font-size: 13px;
}


/* ==========================================
   DOCUMENT NOTE
========================================== */

.um-document-note {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 14px;
    background: #172B2A;
    border-radius: 13px;
}

.um-document-note-icon {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 9px;
    background: rgba(255,255,255,.08);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-document-note strong {
    display: block;
    color: #fff;
    font-size: 13px;
    margin-bottom: 3px;
}

.um-document-note p {
    color: #81938F;
    font-size: 9px;
    line-height: 1.6;
    margin: 0;
}


/* ==========================================
   CTA
========================================== */

.um-eligibility-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 9px;
    width: 100%;
    margin-top: 13px;
    padding: 13px 18px;
    border-radius: 11px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.um-eligibility-cta:hover {
    background: #F4A340;
    color: #fff;
    transform: translateY(-2px);
}


/* ==========================================
   PROCESS STRIP
========================================== */

.um-eligibility-strip {
    margin-top: 22px;
    padding: 16px 25px;
    background: #172B2A;
    border-radius: 17px;
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: 15px;
}

.um-strip-item {
    display: flex;
    align-items: center;
    gap: 9px;
}

.um-strip-item > div {
    width: 35px;
    height: 35px;
    border-radius: 10px;
    background: rgba(255,255,255,.07);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-strip-item span {
    color: #D5E1DE;
    font-size: 13px;
    font-weight: 700;
}

.um-strip-arrow {
    color: #617570;
    font-size: 13px;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-eligibility-section {
        padding: 80px 0;
    }

}

@media(max-width: 767px) {

    .um-documents-grid {
        grid-template-columns: 1fr;
    }

    .um-eligibility-strip {
        display: grid;
        grid-template-columns: 1fr 1fr;
    }

    .um-strip-arrow {
        display: none;
    }

}

@media(max-width: 575px) {

    .um-eligibility-section {
        padding: 65px 0;
    }

    .um-eligibility-header h2 {
        font-size: 37px;
        letter-spacing: -1.7px;
    }

    .um-eligibility-card,
    .um-documents-card {
        padding: 22px;
        border-radius: 20px;
    }

    .um-eligibility-card-head h3,
    .um-documents-card-head h3 {
        font-size: 18px;
    }

    .um-eligibility-item strong {
        font-size: 14px;
    }

    .um-eligibility-item p {
        font-size: 13px;
    }

    .um-eligibility-strip {
        grid-template-columns: 1fr;
        padding: 15px;
    }

}
/* ==========================================
   APPLY BREADCRUMB
========================================== */

.um-apply-breadcrumb {
    min-height: 390px;
    padding: 70px 0;
    background: #172B2A;
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: center;
}


/* ==========================================
   BACKGROUND SHAPES
========================================== */

.um-breadcrumb-shape {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.shape-one {
    width: 500px;
    height: 500px;
    border: 1px solid rgba(255,255,255,.06);
    right: -250px;
    top: -280px;
}

.shape-two {
    width: 320px;
    height: 320px;
    background: rgba(36,124,114,.14);
    left: -210px;
    bottom: -220px;
}


/* ==========================================
   CONTENT
========================================== */

.um-breadcrumb-content {
    position: relative;
    z-index: 3;
}

.um-breadcrumb-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #F4A340;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 17px;
}

.um-breadcrumb-label > span {
    width: 25px;
    height: 2px;
    border-radius: 10px;
    background: #F4A340;
}

.um-breadcrumb-label i {
    font-size: 13px;
}


.um-breadcrumb-content h1 {
    max-width: 700px;
    color: #fff;
    font-size: clamp(42px, 5vw, 65px);
    line-height: 1;
    letter-spacing: -3px;
    font-weight: 800;
    margin: 0 0 18px;
}

.um-breadcrumb-content h1 span {
    color: #69B9AE;
}


.um-breadcrumb-content p {
    max-width: 610px;
    color: #91A39F;
    font-size: 14px;
    line-height: 1.8;
    margin: 0 0 25px;
}


/* ==========================================
   BREADCRUMB
========================================== */

.um-breadcrumb-nav {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 9px 13px;
    border-radius: 10px;
    background: rgba(255,255,255,.055);
    border: 1px solid rgba(255,255,255,.08);
}

.um-breadcrumb-nav a,
.um-breadcrumb-nav span {
    font-size: 13px;
    text-decoration: none;
}

.um-breadcrumb-nav a {
    color: #A5B6B2;
    transition: .25s ease;
}

.um-breadcrumb-nav a:hover {
    color: #F4A340;
}

.um-breadcrumb-nav span {
    color: #fff;
    font-weight: 700;
}

.um-breadcrumb-nav > i {
    color: #5F7470;
    font-size: 9px;
}


/* ==========================================
   VISUAL
========================================== */

.um-breadcrumb-visual {
    min-height: 290px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}


/* Rings */

.um-visual-ring {
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(105,185,174,.15);
}

.ring-one {
    width: 280px;
    height: 280px;
}

.ring-two {
    width: 210px;
    height: 210px;
    border-color: rgba(244,163,64,.15);
}


/* ==========================================
   DOCUMENT
========================================== */

.um-apply-document {
    width: 215px;
    height: 245px;
    padding: 20px;
    border-radius: 17px;
    background: rgba(255,255,255,.96);
    box-shadow: 0 25px 50px rgba(0,0,0,.18);
    transform: rotate(3deg);
    position: relative;
    z-index: 3;
}


.um-document-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
}

.um-document-top span {
    color: #247C72;
    font-size: 12px;
    font-weight: 900;
    letter-spacing: .8px;
}

.um-document-top i {
    color: #247C72;
    font-size: 13px;
}


.um-document-line {
    width: 100%;
    height: 7px;
    border-radius: 10px;
    background: #E9F0EE;
    margin-bottom: 10px;
}

.um-document-line.large {
    width: 75%;
    height: 10px;
    background: #DCEAE7;
}

.um-document-line.short {
    width: 55%;
}


.um-document-check {
    width: 55px;
    height: 55px;
    border-radius: 50%;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 25px;
    margin: 22px auto 18px;
}


.um-document-bottom {
    padding-top: 12px;
    border-top: 1px solid #E5ECEA;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.um-document-bottom span {
    color: #899793;
    font-size: 10px;
}

.um-document-bottom strong {
    color: #247C72;
    font-size: 13px;
}


/* ==========================================
   FLOATING BADGE
========================================== */

.um-breadcrumb-badge {
    position: absolute;
    z-index: 5;
    left: 5px;
    bottom: 25px;
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 11px 14px;
    border-radius: 13px;
    background: #fff;
    box-shadow: 0 15px 35px rgba(0,0,0,.16);
}

.um-breadcrumb-badge > div {
    width: 34px;
    height: 34px;
    border-radius: 10px;
    background: #FFF0D8;
    color: #D48B24;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-breadcrumb-badge span {
    color: #344540;
    font-size: 9px;
    line-height: 1.45;
    font-weight: 800;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-apply-breadcrumb {
        padding: 60px 0;
    }

    .um-breadcrumb-visual {
        display: none;
    }

    .um-breadcrumb-content {
        text-align: center;
    }

    .um-breadcrumb-content p {
        margin-left: auto;
        margin-right: auto;
    }

    .um-breadcrumb-content h1 {
        margin-left: auto;
        margin-right: auto;
    }

}

@media(max-width: 575px) {

    .um-apply-breadcrumb {
        min-height: auto;
        padding: 55px 0;
    }

    .um-breadcrumb-content h1 {
        font-size: 42px;
        letter-spacing: -2px;
    }

    .um-breadcrumb-content p {
        font-size: 13px;
    }

}
/* ==========================================
   LIGHT DISCLAIMER
========================================== */

.um-light-disclaimer {
    padding: 105px 0;
    background: #F6FBF9;
    position: relative;
    overflow: hidden;
}


/* ==========================================
   BACKGROUND DECORATION
========================================== */

.um-disclaimer-bg-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.circle-left {
    width: 430px;
    height: 430px;
    background: #EAF6F3;
    left: -270px;
    top: -220px;
}

.circle-right {
    width: 330px;
    height: 330px;
    border: 1px solid rgba(244,163,64,.16);
    right: -180px;
    bottom: -160px;
}


/* ==========================================
   HEADER
========================================== */

.um-light-disclaimer-header {
    max-width: 760px;
    margin: 0 auto 55px;
    text-align: center;
}

.um-disclaimer-eyebrow {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 16px;
}

.um-disclaimer-eyebrow span {
    width: 25px;
    height: 2px;
    background: #F4A340;
    border-radius: 20px;
}

.um-light-disclaimer-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 4vw, 56px);
    line-height: 1.05;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin: 0 0 16px;
}

.um-light-disclaimer-header h2 span {
    color: #247C72;
}

.um-light-disclaimer-header p {
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   MAIN LAYOUT
========================================== */

.um-disclaimer-layout {
    display: grid;
    grid-template-columns: 32% 68%;
    gap: 24px;
}


/* ==========================================
   LEFT PANEL
========================================== */

.um-disclaimer-side {
    padding: 35px;
    border-radius: 25px;
    background: #FFFFFF;
    border: 1px solid #DCEAE7;
    position: relative;
    overflow: hidden;
    box-shadow: 0 18px 45px rgba(36,124,114,.06);
}

.um-disclaimer-side::before {
    content: "";
    position: absolute;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: #F0F8F5;
    right: -130px;
    top: -120px;
}

.um-disclaimer-side::after {
    content: "";
    position: absolute;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: #FFF6E8;
    left: -80px;
    bottom: -80px;
}

.um-disclaimer-side > * {
    position: relative;
    z-index: 2;
}


/* ==========================================
   SHIELD
========================================== */

.um-disclaimer-shield {
    width: 105px;
    height: 105px;
    margin-bottom: 30px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-shield-ring {
    position: absolute;
    inset: 0;
    border-radius: 50%;
    border: 1px dashed #B9DCD5;
    animation: umRotate 12s linear infinite;
}

.um-shield-icon {
    width: 72px;
    height: 72px;
    border-radius: 22px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 30px;
    box-shadow: 0 15px 30px rgba(36,124,114,.20);
}

@keyframes umRotate {

    from {
        transform: rotate(0deg);
    }

    to {
        transform: rotate(360deg);
    }

}


/* ==========================================
   LEFT TEXT
========================================== */

.um-disclaimer-side-label {
    display: block;
    color: #F0A03A;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.3px;
    margin-bottom: 10px;
}

.um-disclaimer-side h3 {
    color: #172B2A;
    font-size: 32px;
    line-height: 1.1;
    letter-spacing: -1.5px;
    font-weight: 800;
    margin: 0 0 15px;
}

.um-disclaimer-side h3 span {
    color: #247C72;
}

.um-disclaimer-side > p {
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
    margin: 0 0 25px;
}


/* Badge */

.um-disclaimer-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 13px;
    border-radius: 10px;
    background: #EFF8F5;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
}

.um-disclaimer-badge i {
    font-size: 13px;
}


/* ==========================================
   DISCLOSURE CARDS
========================================== */

.um-disclaimer-points {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 13px;
}

.um-disclosure-card {
    min-height: 180px;
    padding: 22px;
    background: #FFFFFF;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: flex-start;
    gap: 13px;
    transition: all .35s ease;
}

.um-disclosure-card::after {
    content: "";
    position: absolute;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: #F2F9F7;
    right: -65px;
    bottom: -65px;
    transition: .4s ease;
}

.um-disclosure-card:hover {
    transform: translateY(-5px);
    border-color: #B9D9D4;
    box-shadow: 0 15px 35px rgba(36,124,114,.08);
}

.um-disclosure-card:hover::after {
    transform: scale(1.5);
}


/* Number */

.um-disclosure-number {
    width: 35px;
    height: 35px;
    min-width: 35px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 9px;
    font-weight: 800;
}


/* Content */

.um-disclosure-content {
    position: relative;
    z-index: 2;
}

.um-disclosure-content h4 {
    color: #253A36;
    font-size: 14px;
    font-weight: 800;
    margin: 3px 0 8px;
}

.um-disclosure-content p {
    color: #788682;
    font-size: 14px;
    line-height: 1.7;
    margin: 0;
}


/* Arrow */

.um-disclosure-arrow {
    position: absolute;
    right: 15px;
    top: 15px;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: #F5FAF8;
    color: #A3B3AF;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    z-index: 3;
    transition: .3s ease;
}

.um-disclosure-card:hover .um-disclosure-arrow {
    background: #247C72;
    color: #fff;
    transform: rotate(45deg);
}


/* ==========================================
   BOTTOM STRIP
========================================== */

.um-disclaimer-bottom {
    margin-top: 20px;
    padding: 16px 20px;
    border-radius: 15px;
    background: #172B2A;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.um-disclaimer-bottom-left {
    display: flex;
    align-items: center;
    gap: 10px;
}

.um-bottom-icon {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 10px;
    background: rgba(244,163,64,.12);
    color: #F4A340;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-disclaimer-bottom strong {
    display: block;
    color: #fff;
    font-size: 13px;
    margin-bottom: 2px;
}

.um-disclaimer-bottom-left span {
    color: #879A95;
    font-size: 13px;
}

.um-disclaimer-bottom-right {
    color: #81938F;
    font-size: 9px;
    display: flex;
    align-items: center;
    gap: 6px;
}

.um-disclaimer-bottom-right i {
    color: #69B9AE;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-light-disclaimer {
        padding: 80px 0;
    }

    .um-disclaimer-layout {
        grid-template-columns: 1fr;
    }

    .um-disclaimer-side {
        min-height: auto;
    }

}

@media(max-width: 767px) {

    .um-disclaimer-points {
        grid-template-columns: 1fr;
    }

    .um-disclaimer-bottom {
        align-items: flex-start;
        flex-direction: column;
    }

}

@media(max-width: 575px) {

    .um-light-disclaimer {
        padding: 65px 0;
    }

    .um-light-disclaimer-header h2 {
        font-size: 37px;
        letter-spacing: -1.7px;
    }

    .um-disclaimer-side {
        padding: 25px;
        border-radius: 20px;
    }

    .um-disclaimer-side h3 {
        font-size: 29px;
    }

    .um-disclosure-card {
        min-height: auto;
        padding: 18px;
    }

    .um-disclosure-content p {
        font-size: 13px;
    }

    .um-disclaimer-bottom {
        padding: 15px;
    }

}

/* ==========================================
   PRIVACY SECTION
========================================== */

.um-privacy-section {
    padding: 105px 0;
    background: #F5FAF8;
    position: relative;
    overflow: hidden;
}

.um-privacy-section > .container {
    position: relative;
    z-index: 2;
}

.um-privacy-bg-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.privacy-circle-one {
    width: 500px;
    height: 500px;
    background: #EAF6F3;
    left: -320px;
    top: -260px;
}

.privacy-circle-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.13);
    right: -190px;
    bottom: -180px;
}


/* ==========================================
   HEADER
========================================== */

.um-privacy-header {
    max-width: 850px;
    margin: 0 auto 50px;
    text-align: center;
}

.um-privacy-label {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-privacy-label span {
    width: 25px;
    height: 2px;
    border-radius: 20px;
    background: #F4A340;
}

.um-privacy-header-icon {
    width: 66px;
    height: 66px;
    margin: 0 auto 17px;
    border-radius: 20px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 27px;
    box-shadow: 0 15px 30px rgba(36,124,114,.16);
}

.um-privacy-header h1 {
    color: #172B2A;
    font-size: clamp(42px, 5vw, 64px);
    line-height: 1;
    letter-spacing: -3px;
    font-weight: 800;
    margin: 0 0 17px;
}

.um-privacy-header h1 span {
    color: #247C72;
}

.um-privacy-header > p {
    max-width: 700px;
    margin: 0 auto 18px;
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
}

.um-privacy-updated {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 13px;
    border: 1px solid #DCEAE7;
    border-radius: 9px;
    background: #fff;
    color: #899793;
    font-size: 13px;
}

.um-privacy-updated i {
    color: #247C72;
}

.um-privacy-updated strong {
    color: #3B4E4A;
}


/* ==========================================
   PRIVACY PROMISE
========================================== */

.um-privacy-promise {
    margin-bottom: 35px;
    padding: 25px 28px;
    background: #FFFFFF;
    border: 1px solid #DCEAE7;
    border-radius: 20px;
    display: flex;
    align-items: center;
    gap: 17px;
    box-shadow: 0 12px 30px rgba(36,124,114,.05);
}

.um-promise-icon {
    width: 57px;
    height: 57px;
    min-width: 57px;
    border-radius: 16px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 23px;
}

.um-privacy-promise > div:nth-child(2) {
    flex: 1;
}

.um-privacy-promise > div:nth-child(2) > span {
    display: block;
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
    margin-bottom: 5px;
}

.um-privacy-promise h3 {
    color: #263A36;
    font-size: 21px;
    font-weight: 800;
    margin: 0 0 5px;
}

.um-privacy-promise p {
    color: #7A8885;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}

.um-promise-badge {
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 10px 13px;
    border-radius: 10px;
    background: #F2F9F7;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    white-space: nowrap;
}

.um-promise-badge i {
    font-size: 13px;
}


/* ==========================================
   SIDE NAVIGATION
========================================== */

.um-privacy-nav {
    position: sticky;
    top: 25px;
    padding: 22px 18px;
    background: #FFFFFF;
    border: 1px solid #DCEAE7;
    border-radius: 17px;
    box-shadow: 0 10px 25px rgba(36,124,114,.04);
}

.um-privacy-nav > span {
    display: block;
    color: #A0AEAB;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
    padding: 0 9px 13px;
    border-bottom: 1px solid #E7EFED;
    margin-bottom: 8px;
}

.um-privacy-nav a {
    display: block;
    padding: 9px;
    border-radius: 8px;
    color: #74827F;
    text-decoration: none;
    font-size: 13px;
    font-weight: 600;
    transition: .25s ease;
}

.um-privacy-nav a:hover,
.um-privacy-nav a.active {
    background: #EAF6F3;
    color: #247C72;
    font-weight: 800;
}


/* ==========================================
   CONTENT
========================================== */

.um-privacy-content {
    display: flex;
    flex-direction: column;
    gap: 13px;
}

.um-policy-card {
    padding: 25px 27px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    display: flex;
    align-items: flex-start;
    gap: 17px;
    scroll-margin-top: 25px;
    transition: .3s ease;
}

.um-policy-card:hover {
    border-color: #BCDAD5;
    box-shadow: 0 12px 30px rgba(36,124,114,.06);
    transform: translateX(3px);
}

.um-policy-number {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
}

.um-policy-body {
    flex: 1;
}

.um-policy-body > span {
    display: block;
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.1px;
    margin-bottom: 6px;
}

.um-policy-body h2 {
    color: #263A36;
    font-size: 18px;
    font-weight: 800;
    margin: 0 0 10px;
}

.um-policy-body p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0 0 9px;
}

.um-policy-body p:last-child {
    margin-bottom: 0;
}


/* List */

.um-policy-body ul {
    margin: 13px 0 0;
    padding: 0;
    list-style: none;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 7px 15px;
}

.um-policy-body li {
    position: relative;
    padding-left: 17px;
    color: #71807D;
    font-size: 14px;
}

.um-policy-body li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: #247C72;
    font-weight: 800;
}


/* ==========================================
   SECURITY POINTS
========================================== */

.um-security-points {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 15px;
}

.um-security-points div {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 10px;
    border-radius: 8px;
    background: #F2F9F7;
    color: #247C72;
    font-size: 9px;
    font-weight: 700;
}

.um-security-points i {
    font-size: 13px;
}


/* ==========================================
   CONTACT POLICY
========================================== */

.um-policy-contact {
    background: #172B2A;
    border-color: #172B2A;
}

.um-policy-contact .um-policy-number {
    background: rgba(105,185,174,.12);
    color: #69B9AE;
}

.um-policy-contact .um-policy-body h2 {
    color: #fff;
}

.um-policy-contact .um-policy-body p {
    color: #8FA19C;
}

.um-privacy-contact-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 10px;
    padding: 10px 14px;
    border-radius: 9px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.um-privacy-contact-btn:hover {
    background: #F4A340;
    color: #fff;
}


/* ==========================================
   FOOTER STRIP
========================================== */

.um-privacy-footer-strip {
    margin-top: 25px;
    padding: 15px 20px;
    border-radius: 15px;
    background: #172B2A;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
}

.um-privacy-footer-item {
    display: flex;
    align-items: center;
    gap: 8px;
}

.um-privacy-footer-item > div {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 9px;
    background: rgba(255,255,255,.07);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-privacy-footer-item span {
    color: #A0AFAB;
    font-size: 9px;
    font-weight: 700;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-privacy-section {
        padding: 80px 0;
    }

    .um-privacy-nav {
        position: relative;
        top: auto;
    }

    .um-privacy-nav a {
        display: inline-block;
        margin: 2px;
    }

    .um-privacy-promise {
        align-items: flex-start;
    }

    .um-promise-badge {
        display: none;
    }

}

@media(max-width: 767px) {

    .um-privacy-footer-strip {
        grid-template-columns: 1fr 1fr;
    }

    .um-policy-body ul {
        grid-template-columns: 1fr;
    }

}

@media(max-width: 575px) {

    .um-privacy-section {
        padding: 60px 0;
    }

    .um-privacy-header h1 {
        font-size: 43px;
        letter-spacing: -2px;
    }

    .um-privacy-header > p {
        font-size: 13px;
    }

    .um-privacy-promise {
        padding: 20px;
        flex-direction: column;
        align-items: flex-start;
    }

    .um-privacy-promise h3 {
        font-size: 19px;
    }

    .um-policy-card {
        padding: 20px;
        gap: 11px;
    }

    .um-policy-number {
        width: 34px;
        height: 34px;
        min-width: 34px;
    }

    .um-policy-body h2 {
        font-size: 17px;
    }

    .um-policy-body p {
        font-size: 13px;
    }

    .um-privacy-footer-strip {
        grid-template-columns: 1fr;
    }

}
/* ==========================================
   TERMS & CONDITIONS
========================================== */

.um-terms-section {
    padding-top: 105px;
    padding-bottom: 80px;
    background: #F5FAF8;
    position: relative;
    overflow: hidden;
}

.um-terms-section > .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND
========================================== */

.um-terms-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.terms-circle-one {
    width: 500px;
    height: 500px;
    background: #EAF6F3;
    left: -320px;
    top: -270px;
}

.terms-circle-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.14);
    right: -180px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.um-terms-header {
    max-width: 820px;
    text-align: center;
    margin: 0 auto 50px;
}

.um-terms-label {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-terms-label span {
    width: 25px;
    height: 2px;
    background: #F4A340;
    border-radius: 20px;
}

.um-terms-icon {
    width: 66px;
    height: 66px;
    margin: 0 auto 18px;
    border-radius: 20px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 27px;
    box-shadow: 0 15px 30px rgba(36,124,114,.16);
}

.um-terms-header h1 {
    color: #172B2A;
    font-size: clamp(42px,5vw,64px);
    line-height: 1;
    letter-spacing: -3px;
    font-weight: 800;
    margin: 0 0 17px;
}

.um-terms-header h1 span {
    color: #247C72;
}

.um-terms-header p {
    max-width: 700px;
    margin: 0 auto 18px;
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
}

.um-terms-date {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 13px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 9px;
    color: #899793;
    font-size: 13px;
}

.um-terms-date i {
    color: #247C72;
}

.um-terms-date strong {
    color: #3B4E4A;
}


/* ==========================================
   NOTICE
========================================== */

.um-terms-notice {
    margin-bottom: 35px;
    padding: 25px 28px;
    border-radius: 20px;
    background: #fff;
    border: 1px solid #DCEAE7;
    display: flex;
    align-items: center;
    gap: 16px;
    box-shadow: 0 12px 30px rgba(36,124,114,.05);
}

.um-terms-notice-icon {
    width: 57px;
    height: 57px;
    min-width: 57px;
    border-radius: 16px;
    background: #FFF2DE;
    color: #D58A22;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 23px;
}

.um-terms-notice-content {
    flex: 1;
}

.um-terms-notice-content > span {
    display: block;
    color: #D58A22;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
    margin-bottom: 5px;
}

.um-terms-notice-content h3 {
    color: #263A36;
    font-size: 20px;
    font-weight: 800;
    margin: 0 0 5px;
}

.um-terms-notice-content p {
    color: #7A8885;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}

.um-terms-agreement {
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 10px 13px;
    border-radius: 10px;
    background: #F2F9F7;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    white-space: nowrap;
}

.um-terms-agreement i {
    font-size: 14px;
}


/* ==========================================
   SIDE NAV
========================================== */

.um-terms-nav {
    position: sticky;
    top: 25px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    overflow: hidden;
    box-shadow: 0 12px 30px rgba(36,124,114,.05);
}

.um-terms-nav-head {
    padding: 17px;
    background: #F1F9F6;
    border-bottom: 1px solid #DCEAE7;
    display: flex;
    align-items: center;
    gap: 10px;
}

.um-terms-nav-icon {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 11px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.um-terms-nav-head span {
    display: block;
    color: #F0A03A;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 3px;
}

.um-terms-nav-head strong {
    display: block;
    color: #263A36;
    font-size: 13px;
    font-weight: 800;
}


/* Navigation */

.um-terms-nav-list {
    max-height: 650px;
    overflow-y: auto;
    padding: 8px;
}

.um-terms-nav-list::-webkit-scrollbar {
    width: 4px;
}

.um-terms-nav-list::-webkit-scrollbar-track {
    background: #F5FAF8;
}

.um-terms-nav-list::-webkit-scrollbar-thumb {
    background: #BBD8D3;
    border-radius: 10px;
}

.um-terms-nav-list a {
    display: flex;
    align-items: center;
    gap: 9px;
    width: 100%;
    padding: 8px 9px;
    margin-bottom: 2px;
    border-radius: 8px;
    color: #71807D;
    text-decoration: none;
    font-size: 9px;
    line-height: 1.35;
    font-weight: 600;
    transition: .25s ease;
}

.um-terms-nav-list a b {
    width: 25px;
    height: 25px;
    min-width: 25px;
    border-radius: 7px;
    background: #F1F7F5;
    color: #9AA9A5;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
}

.um-terms-nav-list a:hover {
    background: #F1F9F6;
    color: #247C72;
    padding-left: 12px;
}

.um-terms-nav-list a:hover b {
    background: #DFF1EC;
    color: #247C72;
}

.um-terms-nav-list a.active {
    background: #247C72;
    color: #fff;
    font-weight: 800;
    box-shadow: 0 6px 15px rgba(36,124,114,.14);
}

.um-terms-nav-list a.active b {
    background: rgba(255,255,255,.15);
    color: #fff;
}


/* Nav Footer */

.um-terms-nav-footer {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 13px 15px;
    background: #172B2A;
}

.um-terms-nav-footer i {
    color: #69B9AE;
    font-size: 13px;
}

.um-terms-nav-footer span {
    color: #81938F;
    font-size: 12px;
    line-height: 1.55;
}


/* ==========================================
   TERM CARDS
========================================== */

.um-terms-content {
    display: flex;
    flex-direction: column;
    gap: 13px;
}

.um-term-card {
    padding: 25px 27px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    display: flex;
    align-items: flex-start;
    gap: 17px;
    scroll-margin-top: 25px;
    transition: .3s ease;
}

.um-term-card:hover {
    border-color: #BCDAD5;
    box-shadow: 0 12px 30px rgba(36,124,114,.06);
    transform: translateX(3px);
}

.um-term-number {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
}

.um-term-body {
    flex: 1;
}

.um-term-body > span {
    display: block;
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.1px;
    margin-bottom: 6px;
}

.um-term-body h2 {
    color: #263A36;
    font-size: 18px;
    font-weight: 800;
    margin: 0 0 10px;
}

.um-term-body p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   CONTACT CARD
========================================== */

.um-term-contact {
    background: #172B2A;
    border-color: #172B2A;
}

.um-term-contact .um-term-number {
    background: rgba(105,185,174,.12);
    color: #69B9AE;
}

.um-term-contact .um-term-body h2 {
    color: #fff;
}

.um-term-contact .um-term-body p {
    color: #8FA19C;
}

.um-terms-contact-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 12px;
    padding: 10px 15px;
    border-radius: 9px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.um-terms-contact-btn:hover {
    background: #F4A340;
    color: #fff;
}


/* ==========================================
   FOOTER STRIP
========================================== */

.um-terms-footer {
    margin-top: 25px;
    padding: 15px 20px;
    border-radius: 15px;
    background: #172B2A;
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 15px;
}

.um-terms-footer-item {
    display: flex;
    align-items: center;
    gap: 8px;
}

.um-terms-footer-item > div {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 9px;
    background: rgba(255,255,255,.07);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-terms-footer-item span {
    color: #A0AFAB;
    font-size: 9px;
    font-weight: 700;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-terms-section {
        padding: 80px 0;
    }

    .um-terms-nav {
        position: relative;
        top: auto;
    }

    .um-terms-nav-list {
        max-height: 320px;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 2px;
    }

    .um-terms-nav-list a {
        margin: 0;
    }

    .um-terms-agreement {
        display: none;
    }

}

@media(max-width: 767px) {

    .um-terms-footer {
        grid-template-columns: 1fr 1fr;
    }

}

@media(max-width: 575px) {

    .um-terms-section {
        padding: 60px 0;
    }

    .um-terms-header h1 {
        font-size: 43px;
        letter-spacing: -2px;
    }

    .um-terms-header p {
        font-size: 13px;
    }

    .um-terms-notice {
        padding: 20px;
        align-items: flex-start;
    }

    .um-terms-notice-content h3 {
        font-size: 18px;
    }

    .um-term-card {
        padding: 20px;
        gap: 11px;
    }

    .um-term-number {
        width: 34px;
        height: 34px;
        min-width: 34px;
    }

    .um-term-body h2 {
        font-size: 17px;
    }

    .um-term-body p {
        font-size: 13px;
    }

    .um-terms-nav-list {
        grid-template-columns: 1fr;
        max-height: 350px;
    }

    .um-terms-footer {
        grid-template-columns: 1fr;
    }

}
/* ==========================================
   REFUND SECTION
========================================== */

.um-refund-section {
    padding: 105px 0;
    background: #F5FAF8;
    position: relative;
    overflow: hidden;
}

.um-refund-section > .container {
    position: relative;
    z-index: 2;
}

.um-refund-circle {
    position: absolute;
    border-radius: 50%;
}

.refund-circle-one {
    width: 500px;
    height: 500px;
    background: #EAF6F3;
    left: -320px;
    top: -270px;
}

.refund-circle-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.14);
    right: -180px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.um-refund-header {
    max-width: 820px;
    text-align: center;
    margin: 0 auto 50px;
}

.um-refund-label {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-refund-label span {
    width: 25px;
    height: 2px;
    background: #F4A340;
}

.um-refund-icon {
    width: 66px;
    height: 66px;
    margin: 0 auto 18px;
    border-radius: 20px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 27px;
    box-shadow: 0 15px 30px rgba(36,124,114,.16);
}

.um-refund-header h1 {
    color: #172B2A;
    font-size: clamp(42px,5vw,64px);
    line-height: 1;
    letter-spacing: -3px;
    font-weight: 800;
    margin: 0 0 17px;
}

.um-refund-header h1 span {
    color: #247C72;
}

.um-refund-header p {
    max-width: 700px;
    margin: 0 auto 18px;
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
}

.um-refund-date {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 13px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 9px;
    color: #899793;
    font-size: 13px;
}

.um-refund-date i {
    color: #247C72;
}

.um-refund-date strong {
    color: #3B4E4A;
}


/* ==========================================
   NOTICE
========================================== */

.um-refund-notice {
    margin-bottom: 35px;
    padding: 25px 28px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 20px;
    display: flex;
    align-items: center;
    gap: 16px;
    box-shadow: 0 12px 30px rgba(36,124,114,.05);
}

.um-refund-notice-icon {
    width: 57px;
    height: 57px;
    min-width: 57px;
    border-radius: 16px;
    background: #FFF2DE;
    color: #D58A22;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 23px;
}

.um-refund-notice-content {
    flex: 1;
}

.um-refund-notice span {
    color: #D58A22;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.um-refund-notice h3 {
    color: #263A36;
    font-size: 20px;
    font-weight: 800;
    margin: 5px 0;
}

.um-refund-notice p {
    color: #7A8885;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   NAV
========================================== */

.um-refund-nav {
    position: sticky;
    top: 25px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    overflow: hidden;
    box-shadow: 0 12px 30px rgba(36,124,114,.05);
}

.um-refund-nav-head {
    padding: 17px;
    background: #F1F9F6;
    border-bottom: 1px solid #DCEAE7;
    display: flex;
    align-items: center;
    gap: 9px;
}

.um-refund-nav-head div {
    width: 37px;
    height: 37px;
    border-radius: 10px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-refund-nav-head span {
    color: #263A36;
    font-size: 13px;
    font-weight: 800;
}

.um-refund-nav-list {
    max-height: 600px;
    overflow-y: auto;
    padding: 8px;
}

.um-refund-nav-list a {
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 8px;
    margin-bottom: 2px;
    border-radius: 8px;
    color: #71807D;
    text-decoration: none;
    font-size: 9px;
    font-weight: 600;
    transition: .25s ease;
}

.um-refund-nav-list a b {
    width: 25px;
    height: 25px;
    min-width: 25px;
    border-radius: 7px;
    background: #F1F7F5;
    color: #9AA9A5;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
}

.um-refund-nav-list a:hover {
    background: #F1F9F6;
    color: #247C72;
}

.um-refund-nav-list a.active {
    background: #247C72;
    color: #fff;
    font-weight: 800;
}

.um-refund-nav-list a.active b {
    background: rgba(255,255,255,.15);
    color: #fff;
}


/* ==========================================
   CARDS
========================================== */

.um-refund-content {
    display: flex;
    flex-direction: column;
    gap: 13px;
}

.um-refund-card {
    padding: 25px 27px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    display: flex;
    align-items: flex-start;
    gap: 17px;
    scroll-margin-top: 25px;
    transition: .3s ease;
}

.um-refund-card:hover {
    border-color: #BCDAD5;
    box-shadow: 0 12px 30px rgba(36,124,114,.06);
    transform: translateX(3px);
}

.um-refund-number {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
}

.um-refund-card > div:last-child {
    flex: 1;
}

.um-refund-card > div:last-child > span {
    display: block;
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.1px;
    margin-bottom: 6px;
}

.um-refund-card h2 {
    color: #263A36;
    font-size: 18px;
    font-weight: 800;
    margin: 0 0 10px;
}

.um-refund-card p {
    color: #71807D;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
}


/* Contact */

.um-refund-contact {
    background: #172B2A;
    border-color: #172B2A;
}

.um-refund-contact .um-refund-number {
    background: rgba(105,185,174,.12);
    color: #69B9AE;
}

.um-refund-contact h2 {
    color: #fff;
}

.um-refund-contact p {
    color: #8FA19C;
}

.um-refund-contact-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 12px;
    padding: 10px 15px;
    border-radius: 9px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
}

.um-refund-contact-btn:hover {
    background: #F4A340;
    color: #fff;
}


/* ==========================================
   FOOTER
========================================== */

.um-refund-footer {
    margin-top: 25px;
    padding: 15px 20px;
    border-radius: 15px;
    background: #172B2A;
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 15px;
}

.um-refund-footer > div {
    display: flex;
    align-items: center;
    gap: 8px;
}

.um-refund-footer i {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    background: rgba(255,255,255,.07);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-refund-footer span {
    color: #A0AFAB;
    font-size: 9px;
    font-weight: 700;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width:991px) {

    .um-refund-section {
        padding: 80px 0;
    }

    .um-refund-nav {
        position: relative;
        top: auto;
    }

    .um-refund-nav-list {
        max-height: 320px;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 2px;
    }

}

@media(max-width:767px) {

    .um-refund-notice {
        align-items: flex-start;
    }

    .um-refund-footer {
        grid-template-columns: 1fr 1fr;
    }

}

@media(max-width:575px) {

    .um-refund-section {
        padding: 60px 0;
    }

    .um-refund-header h1 {
        font-size: 43px;
        letter-spacing: -2px;
    }

    .um-refund-notice {
        padding: 20px;
    }

    .um-refund-nav-list {
        grid-template-columns: 1fr;
        max-height: 350px;
    }

    .um-refund-card {
        padding: 20px;
        gap: 11px;
    }

    .um-refund-number {
        width: 34px;
        height: 34px;
        min-width: 34px;
    }

    .um-refund-card h2 {
        font-size: 17px;
    }

    .um-refund-card p {
        font-size: 13px;
    }

    .um-refund-footer {
        grid-template-columns: 1fr;
    }

}
/* ==========================================
   GRIEVANCE SECTION
========================================== */

.um-grievance-section {
    padding: 105px 0;
    background: #F5FAF8;
    position: relative;
    overflow: hidden;
}

.um-grievance-section > .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND
========================================== */

.um-grievance-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.grievance-circle-one {
    width: 500px;
    height: 500px;
    background: #EAF6F3;
    left: -320px;
    top: -260px;
}

.grievance-circle-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.14);
    right: -180px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.um-grievance-header {
    max-width: 820px;
    margin: 0 auto 50px;
    text-align: center;
}

.um-grievance-label {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 15px;
}

.um-grievance-label span {
    width: 25px;
    height: 2px;
    border-radius: 20px;
    background: #F4A340;
}

.um-grievance-icon {
    width: 66px;
    height: 66px;
    margin: 0 auto 18px;
    border-radius: 20px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 27px;
    box-shadow: 0 15px 30px rgba(36,124,114,.16);
}

.um-grievance-header h1 {
    color: #172B2A;
    font-size: clamp(42px,5vw,64px);
    line-height: 1;
    letter-spacing: -3px;
    font-weight: 800;
    margin: 0 0 17px;
}

.um-grievance-header h1 span {
    color: #247C72;
}

.um-grievance-header p {
    max-width: 700px;
    margin: 0 auto 18px;
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
}

.um-grievance-date {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 13px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 9px;
    color: #899793;
    font-size: 13px;
}

.um-grievance-date i {
    color: #247C72;
}

.um-grievance-date strong {
    color: #3B4E4A;
}


/* ==========================================
   BANNER
========================================== */

.um-grievance-banner {
    margin-bottom: 55px;
    padding: 25px 28px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 20px;
    display: flex;
    align-items: center;
    gap: 16px;
    box-shadow: 0 12px 30px rgba(36,124,114,.05);
}

.um-grievance-banner-icon {
    width: 58px;
    height: 58px;
    min-width: 58px;
    border-radius: 16px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
}

.um-grievance-banner-content {
    flex: 1;
}

.um-grievance-banner-content > span {
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.um-grievance-banner-content h3 {
    color: #263A36;
    font-size: 21px;
    font-weight: 800;
    margin: 4px 0 5px;
}

.um-grievance-banner-content p {
    color: #7A8885;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}

.um-grievance-status {
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 10px 13px;
    border-radius: 10px;
    background: #F2F9F7;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    white-space: nowrap;
}

.um-grievance-status i {
    font-size: 13px;
}


/* ==========================================
   PROCESS
========================================== */

.um-grievance-process {
    margin-bottom: 50px;
}

.um-process-heading {
    margin-bottom: 25px;
}

.um-process-heading > span {
    color: #F0A03A;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.um-process-heading h2 {
    color: #263A36;
    font-size: 27px;
    font-weight: 800;
    margin: 6px 0 0;
}

.um-process-heading h2 strong {
    color: #247C72;
}

.um-process-card {
    height: 100%;
    padding: 20px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 17px;
    position: relative;
    transition: .3s ease;
}

.um-process-card:hover {
    transform: translateY(-5px);
    border-color: #BCDAD5;
    box-shadow: 0 12px 30px rgba(36,124,114,.07);
}

.um-process-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 18px;
}

.um-process-number {
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
}

.um-process-icon {
    width: 39px;
    height: 39px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-process-card h3 {
    color: #263A36;
    font-size: 13px;
    font-weight: 800;
    margin: 0 0 8px;
}

.um-process-card p {
    color: #7A8885;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   GRIEVANCE LEVELS
========================================== */

.um-grievance-content {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.um-grievance-level {
    padding: 25px;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 18px;
    display: flex;
    align-items: flex-start;
    gap: 17px;
    transition: .3s ease;
}

.um-grievance-level:hover {
    border-color: #BCDAD5;
    box-shadow: 0 12px 30px rgba(36,124,114,.06);
}

.um-level-number {
    width: 42px;
    height: 42px;
    min-width: 42px;
    border-radius: 12px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
}

.um-level-content {
    flex: 1;
}

.um-level-content > span {
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.1px;
}

.um-level-content h2 {
    color: #263A36;
    font-size: 19px;
    font-weight: 800;
    margin: 5px 0 8px;
}

.um-level-content p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   CONTACT DETAILS
========================================== */

.um-contact-details {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-top: 18px;
}

.um-contact-details > div {
    padding: 12px;
    border-radius: 11px;
    background: #F3F9F7;
    display: flex;
    align-items: center;
    gap: 9px;
}

.um-contact-details i {
    width: 32px;
    height: 32px;
    border-radius: 9px;
    background: #fff;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-contact-details span {
    color: #899793;
    font-size: 12px;
}

.um-contact-details strong {
    display: block;
    color: #344844;
    font-size: 13px;
    margin-top: 2px;
}


/* ==========================================
   OFFICER
========================================== */

.um-officer-card {
    margin-top: 18px;
    padding: 14px;
    border: 1px solid #DCEAE7;
    border-radius: 12px;
    background: #F8FCFB;
    display: flex;
    align-items: center;
    gap: 11px;
}

.um-officer-icon {
    width: 42px;
    height: 42px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-officer-card small {
    display: block;
    color: #F0A03A;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-officer-card strong {
    display: block;
    color: #344844;
    font-size: 13px;
    margin: 3px 0;
}

.um-officer-card span {
    display: block;
    color: #7A8885;
    font-size: 9px;
}


/* ==========================================
   IMPORTANT
========================================== */

.um-grievance-important {
    padding: 20px;
    background: #FFF9EF;
    border: 1px solid #F5DFC0;
    border-radius: 16px;
    display: flex;
    gap: 13px;
}

.um-important-icon {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 10px;
    background: #FFF0D7;
    color: #D58A22;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-grievance-important strong {
    display: block;
    color: #5A4630;
    font-size: 14px;
    margin-bottom: 9px;
}

.um-grievance-important ul {
    margin: 0;
    padding: 0;
    list-style: none;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px 15px;
}

.um-grievance-important li {
    position: relative;
    padding-left: 14px;
    color: #826F59;
    font-size: 13px;
}

.um-grievance-important li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: #D58A22;
    font-weight: 800;
}


/* ==========================================
   SIDEBAR
========================================== */

.um-grievance-sidebar {
    display: flex;
    flex-direction: column;
    gap: 13px;
}

.um-quick-contact {
    padding: 27px;
    border-radius: 20px;
    background: #172B2A;
    position: relative;
    overflow: hidden;
}

.um-quick-contact::after {
    content: "";
    position: absolute;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.06);
    right: -100px;
    top: -90px;
}

.um-quick-icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
    margin-bottom: 25px;
}

.um-quick-contact > span {
    color: #69B9AE;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.um-quick-contact h3 {
    color: #fff;
    font-size: 29px;
    line-height: 1.05;
    letter-spacing: -1px;
    font-weight: 800;
    margin: 7px 0 12px;
}

.um-quick-contact p {
    color: #879A95;
    font-size: 13px;
    line-height: 1.7;
    margin: 0 0 20px;
}

.um-grievance-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 11px 15px;
    border-radius: 9px;
    background: #F4A340;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
}

.um-grievance-btn:hover {
    background: #fff;
    color: #247C72;
}


/* ==========================================
   RESPONSE
========================================== */

.um-response-card {
    padding: 20px;
    border-radius: 17px;
    background: #fff;
    border: 1px solid #DCEAE7;
    display: flex;
    gap: 12px;
}

.um-response-icon {
    width: 42px;
    height: 42px;
    min-width: 42px;
    border-radius: 11px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-response-card span {
    display: block;
    color: #F0A03A;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
}

.um-response-card strong {
    display: block;
    color: #344844;
    font-size: 13px;
    margin: 3px 0;
}

.um-response-card p {
    color: #7A8885;
    font-size: 9px;
    line-height: 1.6;
    margin: 0;
}


/* ==========================================
   SAFETY
========================================== */

.um-safety-card {
    padding: 20px;
    border-radius: 17px;
    background: #F1F9F6;
    border: 1px solid #DCEAE7;
}

.um-safety-card > i {
    color: #247C72;
    font-size: 20px;
    margin-bottom: 10px;
}

.um-safety-card strong {
    display: block;
    color: #344844;
    font-size: 14px;
    margin-bottom: 5px;
}

.um-safety-card p {
    color: #71807D;
    font-size: 13px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   FOOTER
========================================== */

.um-grievance-footer {
    margin-top: 25px;
    padding: 15px 20px;
    border-radius: 15px;
    background: #172B2A;
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 15px;
}

.um-grievance-footer > div {
    display: flex;
    align-items: center;
    gap: 8px;
}

.um-grievance-footer i {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    background: rgba(255,255,255,.07);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-grievance-footer span {
    color: #A0AFAB;
    font-size: 9px;
    font-weight: 700;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width:991px) {

    .um-grievance-section {
        padding: 80px 0;
    }

    .um-grievance-banner {
        align-items: flex-start;
    }

}

@media(max-width:767px) {

    .um-contact-details {
        grid-template-columns: 1fr;
    }

    .um-grievance-important ul {
        grid-template-columns: 1fr;
    }

    .um-grievance-footer {
        grid-template-columns: 1fr 1fr;
    }

}

@media(max-width:575px) {

    .um-grievance-section {
        padding: 60px 0;
    }

    .um-grievance-header h1 {
        font-size: 43px;
        letter-spacing: -2px;
    }

    .um-grievance-banner {
        padding: 20px;
        flex-direction: column;
    }

    .um-grievance-status {
        align-self: flex-start;
    }

    .um-grievance-level {
        padding: 20px;
        gap: 11px;
    }

    .um-level-number {
        width: 34px;
        height: 34px;
        min-width: 34px;
    }

    .um-level-content h2 {
        font-size: 17px;
    }

    .um-level-content p {
        font-size: 14px;
    }

    .um-grievance-footer {
        grid-template-columns: 1fr;
    }

}

/* ==========================================
   CALCULATOR SECTION
========================================== */

.um-calculator-section {
    padding: 100px 0;
    background: #F5FAF8;
    position: relative;
    overflow: hidden;
}

.um-calc-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.calc-circle-one {
    width: 480px;
    height: 480px;
    background: #EAF6F3;
    left: -300px;
    top: -230px;
}

.calc-circle-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.15);
    right: -180px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.um-calc-header {
    max-width: 720px;
    text-align: center;
    margin: 0 auto 45px;
}

.um-calc-label {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 14px;
}

.um-calc-label span {
    width: 25px;
    height: 2px;
    background: #F4A340;
    border-radius: 20px;
}

.um-calc-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 5vw, 58px);
    line-height: 1.05;
    letter-spacing: -2.5px;
    font-weight: 800;
    margin: 0 0 15px;
}

.um-calc-header h2 span {
    color: #247C72;
}

.um-calc-header p {
    color: #74827F;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
}


/* ==========================================
   MAIN BOX
========================================== */

.um-calculator-box {
    max-width: 1080px;
    margin: auto;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 25px;
    overflow: hidden;
    box-shadow: 0 25px 60px rgba(36,124,114,.09);
}


/* ==========================================
   INPUT AREA
========================================== */

.um-calc-input-area {
    padding: 38px;
}

.um-calc-top-title {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    margin-bottom: 35px;
}

.um-calc-top-title span {
    display: block;
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
    margin-bottom: 5px;
}

.um-calc-top-title h3 {
    color: #263A36;
    font-size: 24px;
    font-weight: 800;
    margin: 0;
}

.um-calc-badge {
    padding: 9px 11px;
    border-radius: 9px;
    background: #EAF6F3;
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    white-space: nowrap;
}

.um-calc-badge i {
    margin-right: 4px;
}


/* ==========================================
   RANGE FIELDS
========================================== */

.um-calc-field {
    margin-bottom: 28px;
}

.um-field-heading {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 13px;
}

.um-field-heading label {
    color: #536460;
    font-size: 14px;
    font-weight: 700;
}

.um-field-heading strong {
    color: #247C72;
    font-size: 13px;
    font-weight: 800;
}


/* Range */

.um-calc-field input[type="range"] {
    width: 100%;
    height: 5px;
    appearance: none;
    background: linear-gradient(
        to right,
        #247C72 0%,
        #247C72 50%,
        #E3ECEA 50%,
        #E3ECEA 100%
    );
    border-radius: 20px;
    outline: none;
}

.um-calc-field input[type="range"]::-webkit-slider-thumb {
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #fff;
    border: 5px solid #247C72;
    cursor: pointer;
    box-shadow: 0 3px 10px rgba(36,124,114,.2);
}

.um-calc-field input[type="range"]::-moz-range-thumb {
    width: 15px;
    height: 15px;
    border-radius: 50%;
    background: #fff;
    border: 4px solid #247C72;
    cursor: pointer;
}

.um-range-values {
    display: flex;
    justify-content: space-between;
    margin-top: 7px;
    color: #9AA9A5;
    font-size: 12px;
}


/* ==========================================
   MANUAL INPUTS
========================================== */

.um-custom-input-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 5px;
}

.um-custom-input-row label {
    display: block;
    color: #697874;
    font-size: 9px;
    font-weight: 700;
    margin-bottom: 6px;
}

.um-input-wrap {
    height: 43px;
    border: 1px solid #DCEAE7;
    border-radius: 10px;
    display: flex;
    align-items: center;
    padding: 0 11px;
    background: #FAFDFC;
}

.um-input-wrap span,
.um-input-wrap i {
    color: #247C72;
    font-size: 14px;
    margin-right: 6px;
}

.um-input-wrap input {
    width: 100%;
    border: 0;
    outline: 0;
    background: transparent;
    color: #344844;
    font-size: 14px;
    font-weight: 700;
}


/* ==========================================
   APPLY BUTTON
========================================== */

.um-calc-apply-btn {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    margin-top: 25px;
    padding: 13px 20px;
    border-radius: 10px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.um-calc-apply-btn:hover {
    background: #F4A340;
    color: #fff;
    transform: translateY(-2px);
}


/* ==========================================
   RESULT AREA
========================================== */

.um-calc-result-area {
    height: 100%;
    padding: 38px;
    background: #172B2A;
    position: relative;
    overflow: hidden;
}

.um-calc-result-area::before {
    content: "";
    position: absolute;
    width: 270px;
    height: 270px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,.06);
    right: -160px;
    top: -130px;
}

.um-calc-result-area::after {
    content: "";
    position: absolute;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: rgba(36,124,114,.12);
    left: -120px;
    bottom: -100px;
}

.um-result-small,
.um-result-total,
.um-result-note,
.um-result-list,
.um-calc-formula {
    position: relative;
    z-index: 2;
}

.um-result-small {
    color: #69B9AE;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.3px;
}

.um-result-total {
    color: #fff;
    font-size: 43px;
    line-height: 1;
    letter-spacing: -2px;
    font-weight: 800;
    margin-top: 9px;
}

.um-result-note {
    color: #81938F;
    font-size: 9px;
    margin: 7px 0 27px;
}


/* ==========================================
   RESULT LIST
========================================== */

.um-result-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.um-result-item {
    padding: 11px;
    border-radius: 11px;
    background: rgba(255,255,255,.055);
    border: 1px solid rgba(255,255,255,.06);
    display: flex;
    align-items: center;
    gap: 10px;
}

.um-result-icon {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 9px;
    background: rgba(105,185,174,.10);
    color: #69B9AE;
    display: flex;
    align-items: center;
    justify-content: center;
}

.um-result-icon.interest {
    color: #F4A340;
    background: rgba(244,163,64,.10);
}

.um-result-icon.days {
    color: #8BBFB7;
}

.um-result-icon.roi {
    color: #F4A340;
}

.um-result-item span {
    display: block;
    color: #81938F;
    font-size: 12px;
    margin-bottom: 2px;
}

.um-result-item strong {
    color: #fff;
    font-size: 14px;
    font-weight: 800;
}


/* ==========================================
   FORMULA
========================================== */

.um-calc-formula {
    margin-top: 20px;
    padding: 12px;
    border-radius: 10px;
    background: rgba(255,255,255,.045);
}

.um-calc-formula span {
    display: block;
    color: #69B9AE;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 5px;
}

.um-calc-formula p {
    color: #B4C1BE;
    font-size: 13px;
    margin: 0;
}


/* ==========================================
   DISCLAIMER
========================================== */

.um-calc-disclaimer {
    padding: 13px 20px;
    border-top: 1px solid #E4ECEA;
    background: #FBFDFC;
    display: flex;
    align-items: flex-start;
    gap: 8px;
}

.um-calc-disclaimer i {
    color: #247C72;
    font-size: 13px;
    margin-top: 2px;
}

.um-calc-disclaimer p {
    color: #899793;
    font-size: 9px;
    line-height: 1.6;
    margin: 0;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .um-calculator-section {
        padding: 80px 0;
    }

    .um-calc-result-area {
        min-height: 500px;
    }

}

@media(max-width: 575px) {

    .um-calculator-section {
        padding: 60px 0;
    }

    .um-calc-input-area,
    .um-calc-result-area {
        padding: 25px 20px;
    }

    .um-calc-top-title {
        align-items: flex-start;
        flex-direction: column;
    }

    .um-calc-top-title h3 {
        font-size: 21px;
    }

    .um-custom-input-row {
        grid-template-columns: 1fr;
    }

    .um-result-total {
        font-size: 37px;
    }

}

/* ==========================================
   MAIN SECTION
========================================== */

.umwc-section {
    position: relative;
    padding: 105px 0 95px;
    background: #F9FCFB;
    overflow: hidden;
}

.umwc-section .container-fluid {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND SHAPES
========================================== */

.umwc-bg {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umwc-bg-one {
    width: 430px;
    height: 430px;
    background: #EAF6F3;
    left: -270px;
    top: -210px;
}

.umwc-bg-two {
    width: 340px;
    height: 340px;
    border: 1px solid rgba(244,163,64,.13);
    right: -180px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.umwc-header {
    max-width: 800px;
    margin: 0 auto 55px;
    text-align: center;
}

.umwc-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 15px;
    border-radius: 30px;
    border: 1px solid #D6E7E3;
    background: #fff;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 17px;
}

.umwc-eyebrow i {
    color: #F4A340;
    font-size: 13px;
}

.umwc-header h2 {
    margin: 0;
    color: #182D2B;
    font-size: clamp(36px, 4.8vw, 58px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
}

.umwc-header h2 span {
    color: #247C72;
}

.umwc-header p {
    max-width: 650px;
    margin: 18px auto 0;
    color: #7B8986;
    font-size: 13px;
    line-height: 1.8;
}


/* ==========================================
   MAIN CONTENT
========================================== */

.umwc-main {
    display: grid;
    grid-template-columns: .8fr 1.2fr;
    gap: 25px;
    width: 100%;
}


/* ==========================================
   INTRO
========================================== */

.umwc-intro {
    position: relative;
    padding: 40px;
    background: #247C72;
    border-radius: 22px;
    overflow: hidden;
    color: #fff;
}

.umwc-intro::before {
    content: "";
    position: absolute;
    width: 270px;
    height: 270px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 50%;
    right: -120px;
    top: -110px;
}

.umwc-intro::after {
    content: "";
    position: absolute;
    width: 160px;
    height: 160px;
    border: 1px solid rgba(244,163,64,.20);
    border-radius: 50%;
    left: -100px;
    bottom: -80px;
}

.umwc-intro-number {
    position: absolute;
    top: 22px;
    right: 25px;
    color: rgba(255,255,255,.22);
    font-size: 13px;
    font-weight: 800;
}

.umwc-round-icon {
    width: 53px;
    height: 53px;
    border-radius: 15px;
    background: rgba(255,255,255,.13);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 30px;
}

.umwc-small-title {
    display: block;
    color: #F4C27E;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 9px;
}

.umwc-intro h3 {
    max-width: 420px;
    color: #fff;
    font-size: 30px;
    line-height: 1.25;
    letter-spacing: -.8px;
    font-weight: 800;
    margin: 0 0 14px;
}

.umwc-intro h3 span {
    color: #F4C27E;
}

.umwc-intro p {
    max-width: 450px;
    color: rgba(255,255,255,.72);
    font-size: 13px;
    line-height: 1.8;
    margin: 0 0 25px;
}

.umwc-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 11px 18px;
    border-radius: 9px;
    background: #fff;
    color: #247C72;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.umwc-cta:hover {
    background: #F4A340;
    color: #fff;
    transform: translateY(-2px);
}


/* ==========================================
   FEATURES
========================================== */

.umwc-features {
    display: flex;
    flex-direction: column;
    gap: 13px;
}

.umwc-feature-card {
    flex: 1;
    padding: 23px 25px;
    display: flex;
    align-items: center;
    gap: 17px;
    position: relative;
    background: #fff;
    border: 1px solid #DFEAE7;
    border-radius: 17px;
    transition: .3s ease;
}

.umwc-feature-card:hover {
    border-color: #BFDCD6;
    transform: translateX(4px);
    box-shadow: 0 10px 30px rgba(36,124,114,.07);
}

.umwc-feature-icon {
    width: 48px;
    height: 48px;
    min-width: 48px;
    border-radius: 14px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
}

.umwc-feature-icon.umwc-orange {
    background: #FFF3E2;
    color: #E29A35;
}

.umwc-feature-content {
    flex: 1;
}

.umwc-feature-content > span {
    color: #CBD9D6;
    font-size: 12px;
    font-weight: 800;
}

.umwc-feature-content h3 {
    color: #263A36;
    font-size: 13px;
    font-weight: 800;
    margin: 3px 0 6px;
}

.umwc-feature-content p {
    color: #7D8B88;
    font-size: 12px;
    line-height: 1.7;
    margin: 0;
    max-width: 570px;
}

.umwc-feature-arrow {
    width: 34px;
    height: 34px;
    min-width: 34px;
    border-radius: 50%;
    background: #F5F8F7;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    transition: .3s ease;
}

.umwc-feature-card:hover .umwc-feature-arrow {
    background: #247C72;
    color: #fff;
    transform: translate(2px,-2px);
}


/* ==========================================
   STATS
========================================== */

.umwc-stats {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    margin-top: 25px;
    border: 1px solid #DFEAE7;
    border-radius: 18px;
    background: #fff;
    overflow: hidden;
}

.umwc-stat {
    min-height: 125px;
    padding: 25px 30px;
    display: flex;
    align-items: center;
    gap: 13px;
    position: relative;
    border-right: 1px solid #DFEAE7;
}

.umwc-stat:last-child {
    border-right: 0;
}

.umwc-stat-icon {
    width: 44px;
    height: 44px;
    min-width: 44px;
    border-radius: 12px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
}

.umwc-stat-icon.umwc-orange {
    background: #FFF3E2;
    color: #E29A35;
}

.umwc-stat strong {
    display: block;
    color: #247C72;
    font-size: 27px;
    line-height: 1;
    font-weight: 800;
}

.umwc-stat span {
    display: block;
    color: #7D8B88;
    font-size: 9px;
    margin-top: 5px;
}

.umwc-stat small {
    position: absolute;
    right: 18px;
    top: 15px;
    color: #DCE8E5;
    font-size: 9px;
    font-weight: 800;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .umwc-section {
        padding: 80px 0;
    }

    .umwc-main {
        grid-template-columns: 1fr;
    }

    .umwc-intro {
        min-height: 320px;
    }

}


@media(max-width: 767px) {

    .umwc-header h2 {
        font-size: 39px;
        letter-spacing: -1.5px;
    }

    .umwc-stats {
        grid-template-columns: 1fr;
    }

    .umwc-stat {
        border-right: 0;
        border-bottom: 1px solid #DFEAE7;
    }

    .umwc-stat:last-child {
        border-bottom: 0;
    }

}


@media(max-width: 575px) {

    .umwc-section {
        padding: 65px 0;
    }

    .umwc-header h2 {
        font-size: 33px;
    }

    .umwc-intro {
        padding: 30px 25px;
    }

    .umwc-intro h3 {
        font-size: 25px;
    }

    .umwc-feature-card {
        padding: 20px 17px;
        align-items: flex-start;
    }

    .umwc-feature-icon {
        width: 42px;
        height: 42px;
        min-width: 42px;
        font-size: 17px;
    }

    .umwc-feature-content h3 {
        font-size: 14px;
    }

    .umwc-feature-arrow {
        width: 30px;
        height: 30px;
        min-width: 30px;
    }

    .umwc-stat {
        padding: 22px;
    }

}

/* ==========================================
   MAIN SECTION
========================================== */

.umx-services-light {
    position: relative;
    padding: 100px 0 90px;
    background: #ffffff;
    overflow: hidden;
}

.umx-services-light .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND SHAPES
========================================== */

.umx-services-shape {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umx-services-shape-1 {
    width: 430px;
    height: 430px;
    background: #F0F9F7;
    left: -260px;
    top: -180px;
}

.umx-services-shape-2 {
    width: 330px;
    height: 330px;
    border: 1px solid #F5E8D5;
    right: -170px;
    bottom: -160px;
}


/* ==========================================
   HEADER
========================================== */

.umx-services-header {
    text-align: center;
    max-width: 800px;
    margin: 0 auto 50px;
}

.umx-services-tag {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 15px;
    border: 1px solid #D3E6E2;
    border-radius: 30px;
    background: #FAFDFC;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 18px;
}

.umx-services-tag i {
    color: #F4A340;
    font-size: 13px;
}

.umx-services-header h2 {
    margin: 0;
    color: #182D2B;
    font-size: clamp(35px, 4.5vw, 57px);
    line-height: 1.08;
    letter-spacing: -2.5px;
    font-weight: 800;
}

.umx-services-header h2 span {
    color: #247C72;
}

.umx-services-header p {
    max-width: 650px;
    margin: 17px auto 0;
    color: #7C8A87;
    font-size: 13px;
    line-height: 1.8;
}


/* ==========================================
   SERVICES LAYOUT
========================================== */

.umx-services-layout {
    width: 100%;
    display: grid;
    grid-template-columns: 1fr 1fr;
    border-top: 1px solid #E4ECEA;
    border-left: 1px solid #E4ECEA;
    background: #fff;
}


/* ==========================================
   FEATURED CARD
========================================== */

.umx-service-feature {
    min-height: 285px;
    padding: 38px 42px;
    position: relative;
    overflow: hidden;
    background: #EFF8F5;
    border-right: 1px solid #E0EBE8;
    border-bottom: 1px solid #E0EBE8;
}

.umx-feature-pattern {
    position: absolute;
    width: 280px;
    height: 280px;
    right: -90px;
    top: -100px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,.10);
}

.umx-feature-pattern span {
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.12);
}

.umx-feature-pattern span:nth-child(1) {
    width: 214px;
    height: 214px;
    right: 30px;
    top: 30px;
}

.umx-feature-pattern span:nth-child(2) {
    width: 140px;
    height: 140px;
    right: 65px;
    top: 65px;
}

.umx-feature-pattern span:nth-child(3) {
    width: 70px;
    height: 70px;
    right: 100px;
    top: 100px;
}

.umx-feature-icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
    margin-bottom: 24px;
    box-shadow: 0 14px 22px rgba(36,124,114,.15);
}

.umx-feature-content {
    position: relative;
    z-index: 2;
    max-width: 490px;
}

.umx-feature-content small {
    display: block;
    color: #E39A36;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 7px;
}

.umx-feature-content h3 {
    color: #203633;
    font-size: 24px;
    line-height: 1.25;
    font-weight: 800;
    margin: 0 0 14px;
}

.umx-feature-content p {
    max-width: 470px;
    color: #71817D;
    font-size: 13px;
    line-height: 1.75;
    margin: 0 0 17px;
}

.umx-feature-content a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #247C72;
    text-decoration: none;
    font-size: 14px;
    font-weight: 800;
}

.umx-feature-content a i {
    transition: .25s ease;
}

.umx-feature-content a:hover i {
    transform: translateX(4px);
}

.umx-feature-number {
    position: absolute;
    right: 30px;
    bottom: 20px;
    color: rgba(36,124,114,.08);
    font-size: 65px;
    line-height: 1;
    font-weight: 800;
}


/* ==========================================
   SERVICE ITEM
========================================== */

.umx-service-item {
    min-height: 190px;
    padding: 30px 32px;
    display: flex;
    align-items: center;
    gap: 17px;
    position: relative;
    background: #fff;
    border-right: 1px solid #E4ECEA;
    border-bottom: 1px solid #E4ECEA;
    transition: .3s ease;
}

.umx-service-item:nth-child(even) {
    border-right: 0;
}

.umx-service-item:hover {
    background: #FBFEFD;
    box-shadow: inset 4px 0 0 #247C72;
    z-index: 3;
}


/* ==========================================
   NUMBER
========================================== */

.umx-service-number {
    position: absolute;
    right: 22px;
    top: 18px;
    color: #DCEAE7;
    font-size: 14px;
    font-weight: 800;
}


/* ==========================================
   ICON
========================================== */

.umx-service-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
    border-radius: 15px;
    background: #FFF5E7;
    color: #E39A36;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
    transition: .3s ease;
}

.umx-service-item:hover .umx-service-icon {
    background: #EAF6F3;
    color: #247C72;
    transform: translateY(-3px);
}


/* ==========================================
   CONTENT
========================================== */

.umx-service-content {
    flex: 1;
    padding-right: 25px;
}

.umx-service-content h3 {
    color: #263A36;
    font-size: 14px;
    line-height: 1.4;
    font-weight: 800;
    margin: 0 0 8px;
}

.umx-service-content p {
    color: #000000;
    font-size: 14px;
    line-height: 1.75;
    margin: 0;
}


/* ==========================================
   ARROW
========================================== */

.umx-service-arrow {
    width: 37px;
    height: 37px;
    min-width: 37px;
    border-radius: 50%;
    background: #F5F8F7;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    transition: .3s ease;
}

.umx-service-item:hover .umx-service-arrow {
    background: #247C72;
    color: #fff;
    transform: translate(3px,-3px);
}


/* ==========================================
   FOOTER CTA
========================================== */

.umx-services-footer {
    width: 100%;
    margin-top: 28px;
    padding: 17px 21px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    background: #F5FAF8;
    border: 1px solid #DDEBE7;
    border-radius: 14px;
}

.umx-services-footer-text span {
    display: block;
    color: #E39A36;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1.2px;
    margin-bottom: 3px;
}

.umx-services-footer-text strong {
    color: #334843;
    font-size: 13px;
}

.umx-services-view-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 11px 18px;
    background: #247C72;
    color: #fff;
    text-decoration: none;
    border-radius: 8px;
    font-size: 9px;
    font-weight: 800;
    transition: .3s ease;
    white-space: nowrap;
}

.umx-services-view-btn:hover {
    background: #F4A340;
    color: #fff;
    transform: translateY(-2px);
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .umx-services-light {
        padding: 80px 0;
    }

    .umx-services-layout {
        grid-template-columns: 1fr;
    }

    .umx-service-feature {
        border-right: 0;
    }

    .umx-service-item {
        border-right: 0;
    }

}


@media(max-width: 767px) {

    .umx-services-header {
        margin-bottom: 35px;
    }

    .umx-services-header h2 {
        font-size: 38px;
        letter-spacing: -1.5px;
    }

    .umx-service-feature {
        padding: 30px 25px;
    }

    .umx-service-item {
        padding: 25px 20px;
        min-height: 165px;
    }

    .umx-services-footer {
        align-items: flex-start;
        flex-direction: column;
    }

}


@media(max-width: 480px) {

    .umx-services-light {
        padding: 60px 0;
    }

    .umx-services-header h2 {
        font-size: 32px;
    }

    .umx-services-header p {
        font-size: 14px;
    }

    .umx-feature-content h3 {
        font-size: 20px;
    }

    .umx-service-icon {
        width: 44px;
        height: 44px;
        min-width: 44px;
        font-size: 18px;
    }

    .umx-service-content h3 {
        font-size: 14px;
    }

    .umx-service-content p {
        font-size: 9px;
    }

    .umx-service-arrow {
        width: 32px;
        height: 32px;
        min-width: 32px;
    }

}
/* ==========================================
   MAIN
========================================== */

.umlc-section {
    position: relative;
    padding: 105px 0 95px;
    background: #F9FCFB;
    overflow: hidden;
}

.umlc-section .container-fluid {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND
========================================== */

.umlc-bg {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umlc-bg-one {
    width: 480px;
    height: 480px;
    background: #EAF6F3;
    left: -300px;
    top: -240px;
}

.umlc-bg-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.13);
    right: -190px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.umlc-header {
    max-width: 800px;
    margin: 0 auto 48px;
    text-align: center;
}

.umlc-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 15px;
    border: 1px solid #D5E6E2;
    border-radius: 30px;
    background: #fff;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 17px;
}

.umlc-eyebrow i {
    color: #F4A340;
}

.umlc-header h2 {
    margin: 0;
    color: #182D2B;
    font-size: clamp(38px, 5vw, 58px);
    line-height: 1.06;
    letter-spacing: -2.5px;
    font-weight: 800;
}

.umlc-header h2 span {
    color: #247C72;
}

.umlc-header p {
    max-width: 680px;
    margin: 17px auto 0;
    color: #7B8986;
    font-size: 13px;
    line-height: 1.8;
}


/* ==========================================
   CALCULATOR
========================================== */

.umlc-calculator {
    width: 100%;
    display: grid;
    grid-template-columns: 1fr 1fr;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 24px;
    overflow: hidden;
    box-shadow: 0 18px 50px rgba(36,124,114,.07);
}


/* ==========================================
   CONTROLS
========================================== */

.umlc-controls {
    padding: 38px 40px;
    background: #fff;
    border-right: 1px solid #E0EBE8;
}

.umlc-control {
    padding-bottom: 27px;
    margin-bottom: 27px;
    border-bottom: 1px solid #E7EFED;
}

.umlc-control:last-of-type {
    margin-bottom: 20px;
}

.umlc-control-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    margin-bottom: 20px;
}

.umlc-control-label {
    display: block;
    color: #263A36;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 4px;
}

.umlc-control-top small {
    display: block;
    color: #9AA6A3;
    font-size: 12px;
}

.umlc-control-top strong {
    color: #247C72;
    font-size: 18px;
    font-weight: 800;
    white-space: nowrap;
}


/* ==========================================
   RANGE
========================================== */

.umlc-range {
    width: 100%;
    height: 5px;
    border-radius: 10px;
    outline: none;
    appearance: none;
    -webkit-appearance: none;
    background: #DCEAE7;
    cursor: pointer;
}

.umlc-range::-webkit-slider-thumb {
    appearance: none;
    -webkit-appearance: none;
    width: 19px;
    height: 19px;
    border-radius: 50%;
    background: #247C72;
    border: 4px solid #fff;
    box-shadow: 0 2px 8px rgba(36,124,114,.3);
    cursor: pointer;
}

.umlc-range::-moz-range-thumb {
    width: 19px;
    height: 19px;
    border-radius: 50%;
    background: #247C72;
    border: 4px solid #fff;
    box-shadow: 0 2px 8px rgba(36,124,114,.3);
    cursor: pointer;
}

.umlc-range-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 9px;
    color: #9AA6A3;
    font-size: 12px;
}


/* ==========================================
   NOTE
========================================== */

.umlc-note {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    padding: 13px;
    background: #F5FAF8;
    border: 1px solid #E0ECE9;
    border-radius: 11px;
}

.umlc-note i {
    color: #247C72;
    font-size: 13px;
    margin-top: 2px;
}

.umlc-note p {
    color: #7C8986;
    font-size: 12px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   RESULT
========================================== */

.umlc-result {
    padding: 38px 40px;
    background: #F2F9F7;
}

.umlc-result-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 23px;
}

.umlc-result-top span {
    display: block;
    color: #E29A35;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
    margin-bottom: 4px;
}

.umlc-result-top h3 {
    color: #263A36;
    font-size: 22px;
    font-weight: 800;
    margin: 0;
}

.umlc-result-icon {
    width: 45px;
    height: 45px;
    border-radius: 13px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}


/* ==========================================
   SUMMARY
========================================== */

.umlc-summary {
    background: #fff;
    border: 1px solid #DDEAE7;
    border-radius: 14px;
    overflow: hidden;
}

.umlc-summary-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 13px 16px;
    border-bottom: 1px solid #EDF2F0;
}

.umlc-summary-row:last-child {
    border-bottom: 0;
}

.umlc-summary-row span {
    color: #7C8986;
    font-size: 9px;
}

.umlc-summary-row strong {
    color: #344743;
    font-size: 13px;
    font-weight: 800;
}


/* ==========================================
   TOTAL
========================================== */

.umlc-total {
    margin-top: 13px;
    padding: 18px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    background: #247C72;
    border-radius: 14px;
    color: #fff;
}

.umlc-total span {
    display: block;
    color: #BEE0D9;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1px;
}

.umlc-total small {
    display: block;
    color: rgba(255,255,255,.62);
    font-size: 12px;
    margin-top: 4px;
}

.umlc-total strong {
    font-size: 26px;
    font-weight: 800;
}


/* ==========================================
   CHARGES
========================================== */

.umlc-charges {
    margin-top: 15px;
}

.umlc-charges-title {
    color: #344743;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 9px;
}

.umlc-charge-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px;
}

.umlc-charge-grid > div {
    display: grid;
    grid-template-columns: 13px 1fr;
    column-gap: 5px;
    padding: 8px 9px;
    background: rgba(255,255,255,.75);
    border: 1px solid #DFEBE8;
    border-radius: 8px;
}

.umlc-charge-grid i {
    grid-row: span 2;
    color: #247C72;
    font-size: 9px;
    margin-top: 2px;
}

.umlc-charge-grid span {
    color: #899692;
    font-size: 10px;
}

.umlc-charge-grid strong {
    color: #53635F;
    font-size: 12px;
}


/* ==========================================
   APPLY
========================================== */

.umlc-apply {
    margin-top: 16px;
    width: 100%;
    min-height: 43px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    border-radius: 10px;
    background: #F4A340;
    color: #fff;
    text-decoration: none;
    font-size: 13px;
    font-weight: 800;
    transition: .3s ease;
}

.umlc-apply:hover {
    background: #247C72;
    color: #fff;
    transform: translateY(-2px);
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .umlc-section {
        padding: 80px 0;
    }

    .umlc-calculator {
        grid-template-columns: 1fr;
    }

    .umlc-controls {
        border-right: 0;
        border-bottom: 1px solid #E0EBE8;
    }

}


@media(max-width: 575px) {

    .umlc-section {
        padding: 65px 0;
    }

    .umlc-header h2 {
        font-size: 35px;
        letter-spacing: -1.5px;
    }

    .umlc-controls,
    .umlc-result {
        padding: 27px 20px;
    }

    .umlc-control-top {
        align-items: flex-start;
        flex-direction: column;
        gap: 8px;
    }

    .umlc-control-top strong {
        font-size: 14px;
    }

    .umlc-charge-grid {
        grid-template-columns: 1fr;
    }

    .umlc-total strong {
        font-size: 22px;
    }

}
</style>


<!-- ==========================================
     FEATURES & BENEFITS SECTION
========================================== -->

<section class="um-benefits-section" id="benefits">

    <div class="container">

        <div class="row align-items-center g-5">

            <!-- LEFT CONTENT -->
            <div class="col-lg-5">

                <span class="um-section-badge">
                    <i class="bi bi-award"></i>
                    Features & Benefits
                </span>

                <h2 class="um-benefits-title">
                    Built around
                    <span>your convenience.</span>
                </h2>

                <p class="um-benefits-intro">
                    Urgent Mudra is designed to make the short-term personal
                    loan journey easier to understand and convenient to
                    manage, from application through repayment.
                </p>

                <a href="#apply" class="um-benefits-btn">
                    Check Your Eligibility
                    <i class="bi bi-arrow-right"></i>
                </a>


                <!-- Small Trust -->
                <div class="um-benefits-trust">

                    <i class="bi bi-shield-check"></i>

                    <div>
                        <strong>Borrow responsibly</strong>
                        <small>
                            Review your repayment capacity and loan terms
                            before accepting a loan.
                        </small>
                    </div>

                </div>

            </div>


            <!-- RIGHT FEATURES -->
            <div class="col-lg-7">

                <div class="row g-3">


                    <!-- FEATURE 1 -->
                    <div class="col-md-6">

                        <div class="um-benefit-card">

                            <div class="um-benefit-icon">
                                <i class="bi bi-phone"></i>
                            </div>

                            <h3>
                                Digital Application
                            </h3>

                            <p>
                                Complete the loan application conveniently
                                through our online platform.
                            </p>

                            <span class="um-benefit-check">
                                <i class="bi bi-check2"></i>
                                Online process
                            </span>

                        </div>

                    </div>


                    <!-- FEATURE 2 -->
                    <div class="col-md-6">

                        <div class="um-benefit-card">

                            <div class="um-benefit-icon">
                                <i class="bi bi-clock"></i>
                            </div>

                            <h3>
                                Convenient Process
                            </h3>

                            <p>
                                A guided application journey designed to
                                reduce unnecessary complexity.
                            </p>

                            <span class="um-benefit-check">
                                <i class="bi bi-check2"></i>
                                Simple steps
                            </span>

                        </div>

                    </div>


                    <!-- FEATURE 3 -->
                    <div class="col-md-6">

                        <div class="um-benefit-card">

                            <div class="um-benefit-icon">
                                <i class="bi bi-cash-stack"></i>
                            </div>

                            <h3>
                                Short-Term Loan Options
                            </h3>

                            <p>
                                Loan options designed for eligible
                                short-term personal financial requirements.
                            </p>

                            <span class="um-benefit-check">
                                <i class="bi bi-check2"></i>
                                Personal needs
                            </span>

                        </div>

                    </div>


                    <!-- FEATURE 4 -->
                    <div class="col-md-6">

                        <div class="um-benefit-card">

                            <div class="um-benefit-icon">
                                <i class="bi bi-eye"></i>
                            </div>

                            <h3>
                                Transparent Terms
                            </h3>

                            <p>
                                Important loan details are presented so you
                                can review the applicable terms before
                                accepting.
                            </p>

                            <span class="um-benefit-check">
                                <i class="bi bi-check2"></i>
                                Clear information
                            </span>

                        </div>

                    </div>


                    <!-- FEATURE 5 -->
                    <div class="col-md-6">

                        <div class="um-benefit-card">

                            <div class="um-benefit-icon">
                                <i class="bi bi-lock"></i>
                            </div>

                            <h3>
                                Secure Information
                            </h3>

                            <p>
                                Appropriate measures are followed to protect
                                information submitted during the application.
                            </p>

                            <span class="um-benefit-check">
                                <i class="bi bi-check2"></i>
                                Security focused
                            </span>

                        </div>

                    </div>


                    <!-- FEATURE 6 -->
                    <div class="col-md-6">

                        <div class="um-benefit-card">

                            <div class="um-benefit-icon">
                                <i class="bi bi-headset"></i>
                            </div>

                            <h3>
                                Customer Support
                            </h3>

                            <p>
                                Assistance is available for questions about
                                your application, loan and repayment journey.
                            </p>

                            <span class="um-benefit-check">
                                <i class="bi bi-check2"></i>
                                Support available
                            </span>

                        </div>

                    </div>

                </div>

            </div>

        </div>


        <!-- BOTTOM BENEFIT BAR -->

        <div class="um-benefit-bar">

            <div class="um-benefit-bar-item">

                <div class="um-benefit-bar-icon">
                    <i class="bi bi-lightning-charge"></i>
                </div>

                <div>
                    <strong>Quick Digital Journey</strong>
                    <span>Apply online with ease</span>
                </div>

            </div>


            <div class="um-benefit-bar-divider"></div>


            <div class="um-benefit-bar-item">

                <div class="um-benefit-bar-icon">
                    <i class="bi bi-file-earmark-check"></i>
                </div>

                <div>
                    <strong>Clear Documentation</strong>
                    <span>Know what is required</span>
                </div>

            </div>


            <div class="um-benefit-bar-divider"></div>


            <div class="um-benefit-bar-item">

                <div class="um-benefit-bar-icon">
                    <i class="bi bi-person-check"></i>
                </div>

                <div>
                    <strong>Eligibility Based</strong>
                    <span>Assessment as applicable</span>
                </div>

            </div>


            <div class="um-benefit-bar-divider"></div>


            <div class="um-benefit-bar-item">

                <div class="um-benefit-bar-icon">
                    <i class="bi bi-arrow-repeat"></i>
                </div>

                <div>
                    <strong>Easy Repayment</strong>
                    <span>Convenient repayment journey</span>
                </div>

            </div>

        </div>

    </div>

</section>

<!-- ==========================================
     URGENT MUDRA - RATES & TERMS
========================================== -->

<section class="umrt-section" id="rates-terms">

    <div class="umrt-bg umrt-bg-one"></div>
    <div class="umrt-bg umrt-bg-two"></div>

    <div class="container px-lg-5 position-relative">

        <!-- HEADER -->

        <div class="umrt-header">

            <div class="umrt-tag">
                <i class="bi bi-bar-chart-line"></i>
                RATES &amp; TERMS
            </div>

            <h2>
                Clear terms.
                <span>No surprises.</span>
            </h2>

            <p>
                Review the key rates, charges, loan amounts and tenure
                applicable to our short-term personal loan products.
                Actual terms are subject to eligibility and applicable
                loan agreements.
            </p>

        </div>


        <!-- ==========================================
             TOP RATE SUMMARY
        ========================================== -->

        <div class="umrt-summary">

            <!-- APR -->

            <div class="umrt-apr-box">

                <div class="umrt-summary-icon">
                    <i class="bi bi-percent"></i>
                </div>

                <div class="umrt-summary-content">

                    <span>
                        ANNUAL PERCENTAGE RATE
                    </span>

                    <small>
                        Fixed APR
                    </small>

                    <div class="umrt-apr-value">
                        33.6%
                        <em>per annum</em>
                    </div>

                    <p>
                        APR represents the annual cost of borrowing,
                        including applicable interest and eligible fees.
                    </p>

                </div>

            </div>


            <!-- INTEREST -->

            <div class="umrt-mini-rate">

                <div class="umrt-mini-icon">
                    <i class="bi bi-graph-up-arrow"></i>
                </div>

                <span>
                    INTEREST RATE
                </span>

                <strong>
                    0.5% – 1%
                </strong>

                <small>
                    Applicable interest rate
                </small>

            </div>


            <!-- PROCESSING -->

            <div class="umrt-mini-rate">

                <div class="umrt-mini-icon orange">
                    <i class="bi bi-receipt"></i>
                </div>

                <span>
                    PROCESSING FEE
                </span>

                <strong>
                    5% – 8%
                </strong>

                <small>
                    Applicable processing fee
                </small>

            </div>

        </div>


        <!-- ==========================================
             KEY TERMS
        ========================================== -->

        <div class="umrt-terms-head">

            <div>
                <span>
                    LOAN DETAILS
                </span>

                <h3>
                    Key rates &amp; charges
                </h3>
            </div>

            <div class="umrt-terms-note">
                <i class="bi bi-info-circle"></i>
                Subject to eligibility
            </div>

        </div>


        <div class="umrt-grid">


            <!-- 01 -->

            <div class="umrt-card">

                <div class="umrt-card-number">
                    01
                </div>

                <div class="umrt-card-icon">
                    <i class="bi bi-wallet2"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        MINIMUM LOAN AMOUNT
                    </span>

                    <h3>
                        ₹5,000
                    </h3>

                    <p>
                        Starting loan amount
                    </p>

                </div>

            </div>


            <!-- 02 -->

            <div class="umrt-card umrt-card-highlight">

                <div class="umrt-card-number">
                    02
                </div>

                <div class="umrt-card-icon">
                    <i class="bi bi-cash-stack"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        MAXIMUM LOAN AMOUNT
                    </span>

                    <h3>
                        ₹10,00,000
                    </h3>

                    <p>
                        Subject to eligibility
                    </p>

                </div>

            </div>


            <!-- 03 -->

            <div class="umrt-card">

                <div class="umrt-card-number">
                    03
                </div>

                <div class="umrt-card-icon">
                    <i class="bi bi-calendar3"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        LOAN TENURE
                    </span>

                    <h3>
                        07 – 365
                    </h3>

                    <p>
                        Days
                    </p>

                </div>

            </div>


            <!-- 04 -->

            <div class="umrt-card">

                <div class="umrt-card-number">
                    04
                </div>

                <div class="umrt-card-icon">
                    <i class="bi bi-check2-circle"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        PRE-CLOSURE
                    </span>

                    <h3>
                        ₹0
                    </h3>

                    <p>
                        No pre-closure charges
                    </p>

                </div>

            </div>


            <!-- 05 -->

            <div class="umrt-card">

                <div class="umrt-card-number">
                    05
                </div>

                <div class="umrt-card-icon orange">
                    <i class="bi bi-receipt-cutoff"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        PROCESSING FEE
                    </span>

                    <h3>
                        5% – 8%
                    </h3>

                    <p>
                        Of loan amount
                    </p>

                </div>

            </div>


            <!-- 06 -->

            <div class="umrt-card">

                <div class="umrt-card-number">
                    06
                </div>

                <div class="umrt-card-icon">
                    <i class="bi bi-percent"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        RATE OF INTEREST
                    </span>

                    <h3>
                        0.5% – 1%
                    </h3>

                    <p>
                        Applicable ROI
                    </p>

                </div>

            </div>


            <!-- 07 -->

            <div class="umrt-card umrt-card-warning">

                <div class="umrt-card-number">
                    07
                </div>

                <div class="umrt-card-icon warning">
                    <i class="bi bi-exclamation-triangle"></i>
                </div>

                <div class="umrt-card-content">

                    <span>
                        CHEQUE BOUNCE
                    </span>

                    <h3>
                        ₹1,000
                    </h3>

                    <p>
                        Applicable charge
                    </p>

                </div>

            </div>

        </div>


        <!-- ==========================================
             BOTTOM INFORMATION
        ========================================== -->

        <div class="umrt-bottom">

            <div class="umrt-bottom-icon">
                <i class="bi bi-shield-check"></i>
            </div>

            <div>

                <strong>
                    Transparent pricing
                </strong>

                <p>
                    All applicable charges, interest, repayment obligations
                    and other terms should be reviewed in the applicable
                    Key Fact Statement and loan agreement before accepting
                    a loan. Final terms may vary based on eligibility,
                    assessment and applicable lender policies.
                </p>

            </div>

        </div>

    </div>

</section>


<style>

/* ==========================================
   MAIN
========================================== */

.umrt-section {
    position: relative;
    padding: 105px 0 90px;
    background: #ffffff;
    overflow: hidden;
}

.umrt-section .container {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND
========================================== */

.umrt-bg {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umrt-bg-one {
    width: 480px;
    height: 480px;
    background: #F0F9F7;
    left: -300px;
    top: -250px;
}

.umrt-bg-two {
    width: 360px;
    height: 360px;
    border: 1px solid rgba(244,163,64,.13);
    right: -200px;
    bottom: -170px;
}


/* ==========================================
   HEADER
========================================== */

.umrt-header {
    max-width: 780px;
    text-align: center;
    margin: 0 auto 48px;
}

.umrt-tag {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 15px;
    border: 1px solid #D5E6E2;
    border-radius: 30px;
    background: #FAFDFC;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 17px;
}

.umrt-tag i {
    color: #F4A340;
}

.umrt-header h2 {
    color: #172B2A;
    font-size: clamp(38px, 5vw, 60px);
    line-height: 1.05;
    letter-spacing: -2.8px;
    font-weight: 800;
    margin: 0;
}

.umrt-header h2 span {
    color: #247C72;
}

.umrt-header p {
    max-width: 700px;
    margin: 17px auto 0;
    color: #000000;
    font-size: 13px;
    line-height: 1.8;
}


/* ==========================================
   SUMMARY
========================================== */

.umrt-summary {
    width: 100%;
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    border: 1px solid #DDE9E6;
    border-radius: 20px;
    overflow: hidden;
    background: #fff;
    box-shadow: 0 12px 35px rgba(36,124,114,.055);
}


/* APR */

.umrt-apr-box {
    padding: 30px;
    background: #F0F9F7;
    display: flex;
    align-items: flex-start;
    gap: 16px;
    border-right: 1px solid #DDE9E6;
}

.umrt-summary-icon {
    width: 47px;
    height: 47px;
    min-width: 47px;
    border-radius: 13px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.umrt-summary-content {
    flex: 1;
}

.umrt-summary-content > span,
.umrt-mini-rate > span {
    display: block;
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.1px;
    margin-bottom: 5px;
}

.umrt-summary-content small {
    color: #7D8B87;
    font-size: 9px;
}

.umrt-apr-value {
    color: #172B2A;
    font-size: 35px;
    font-weight: 800;
    line-height: 1;
    margin: 6px 0;
}

.umrt-apr-value em {
    color: #758581;
    font-size: 14px;
    font-style: normal;
    font-weight: 600;
}

.umrt-summary-content p {
    color: #000000;
    font-size: 9px;
    line-height: 1.65;
    margin: 0;
}


/* MINI RATE */

.umrt-mini-rate {
    padding: 30px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    border-right: 1px solid #DDE9E6;
}

.umrt-mini-rate:last-child {
    border-right: 0;
}

.umrt-mini-icon {
    width: 38px;
    height: 38px;
    border-radius: 14px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 13px;
}

.umrt-mini-icon.orange {
    background: #FFF3E3;
    color: #E29A35;
}

.umrt-mini-rate strong {
    color: #263A36;
    font-size: 25px;
    line-height: 1;
    font-weight: 800;
    margin-bottom: 6px;
}

.umrt-mini-rate small {
    color: #8A9895;
    font-size: 9px;
}


/* ==========================================
   TERMS HEADING
========================================== */

.umrt-terms-head {
    margin: 45px 0 18px;
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
}

.umrt-terms-head > div:first-child > span {
    color: #F0A03A;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.umrt-terms-head h3 {
    color: #263A36;
    font-size: 24px;
    font-weight: 800;
    margin: 5px 0 0;
}

.umrt-terms-note {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #247C72;
    background: #F1F9F6;
    border: 1px solid #DDEAE6;
    border-radius: 8px;
    padding: 8px 11px;
    font-size: 12px;
    font-weight: 700;
}


/* ==========================================
   GRID
========================================== */

.umrt-grid {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    border-top: 1px solid #DDE9E6;
    border-left: 1px solid #DDE9E6;
    background: #fff;
}

.umrt-card {
    min-height: 190px;
    padding: 25px;
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: center;
    border-right: 1px solid #DDE9E6;
    border-bottom: 1px solid #DDE9E6;
    background: #fff;
    transition: .3s ease;
}

.umrt-card:hover {
    background: #F8FCFB;
    box-shadow: inset 0 -3px 0 #247C72;
    z-index: 2;
}

.umrt-card-highlight {
    background: #F6FBF9;
}

.umrt-card-warning {
    background: #FFFCF7;
}


/* NUMBER */

.umrt-card-number {
    position: absolute;
    top: 17px;
    right: 20px;
    color: #DDE9E6;
    font-size: 9px;
    font-weight: 800;
}


/* ICON */

.umrt-card-icon {
    width: 43px;
    height: 43px;
    border-radius: 12px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    margin-bottom: 17px;
}

.umrt-card-icon.orange {
    background: #FFF3E3;
    color: #E29A35;
}

.umrt-card-icon.warning {
    background: #FFF0E9;
    color: #D96D42;
}


/* CONTENT */

.umrt-card-content > span {
    display: block;
    color: #8B9995;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .8px;
    margin-bottom: 6px;
}

.umrt-card-content h3 {
    color: #263A36;
    font-size: 24px;
    line-height: 1;
    font-weight: 800;
    margin: 0 0 7px;
}

.umrt-card-content p {
    color: #8A9895;
    font-size: 9px;
    margin: 0;
}


/* ==========================================
   BOTTOM
========================================== */

.umrt-bottom {
    margin-top: 22px;
    padding: 17px 20px;
    display: flex;
    align-items: flex-start;
    gap: 11px;
    background: #F8FBFA;
    border: 1px solid #DDE9E6;
    border-radius: 14px;
}

.umrt-bottom-icon {
    width: 38px;
    height: 38px;
    min-width: 38px;
    border-radius: 14px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
}

.umrt-bottom strong {
    display: block;
    color: #344844;
    font-size: 13px;
    margin-bottom: 4px;
}

.umrt-bottom p {
    color: #000000;
    font-size: 9px;
    line-height: 1.7;
    margin: 0;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 1100px) {

    .umrt-grid {
        grid-template-columns: repeat(2,1fr);
    }

}

@media(max-width: 991px) {

    .umrt-section {
        padding: 80px 0;
    }

    .umrt-summary {
        grid-template-columns: 1fr;
    }

    .umrt-apr-box,
    .umrt-mini-rate {
        border-right: 0;
        border-bottom: 1px solid #DDE9E6;
    }

    .umrt-mini-rate:last-child {
        border-bottom: 0;
    }

}

@media(max-width: 767px) {

    .umrt-header h2 {
        font-size: 40px;
    }

    .umrt-terms-head {
        align-items: flex-start;
        flex-direction: column;
        gap: 12px;
    }

    .umrt-grid {
        grid-template-columns: 1fr;
    }

}

@media(max-width: 575px) {

    .umrt-section {
        padding: 60px 0;
    }

    .umrt-header h2 {
        font-size: 34px;
        letter-spacing: -1.5px;
    }

    .umrt-apr-box,
    .umrt-mini-rate {
        padding: 22px;
    }

    .umrt-apr-value {
        font-size: 30px;
    }

    .umrt-card {
        min-height: 165px;
        padding: 22px;
    }

    .umrt-card-content h3 {
        font-size: 22px;
    }

}
/* ==========================================
   MAIN
========================================== */

.umfa-section {
    position: relative;
    padding: 85px 0;
    background: #F8FCFA;
    overflow: hidden;
}

.umfa-section .container-fluid {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND
========================================== */

.umfa-bg-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umfa-bg-circle-one {
    width: 430px;
    height: 430px;
    background: #EAF6F3;
    left: -270px;
    top: -200px;
}

.umfa-bg-circle-two {
    width: 320px;
    height: 320px;
    border: 1px solid rgba(244,163,64,.14);
    right: -160px;
    bottom: -150px;
}


/* ==========================================
   WRAPPER
========================================== */

.umfa-wrapper {
    width: 100%;
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 28px;
    align-items: stretch;
}


/* ==========================================
   CONTENT
========================================== */

.umfa-content {
    padding: 10px 20px 10px 0;
}

.umfa-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 14px;
    background: #fff;
    border: 1px solid #D7E8E4;
    border-radius: 30px;
    color: #247C72;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 17px;
}

.umfa-eyebrow i {
    color: #E39A35;
    font-size: 13px;
}

.umfa-content h2 {
    color: #1D302D;
    font-size: clamp(34px, 4.5vw, 53px);
    line-height: 1.08;
    letter-spacing: -2px;
    font-weight: 800;
    margin: 0 0 15px;
}

.umfa-content h2 span {
    color: #247C72;
}

.umfa-intro {
    max-width: 700px;
    color: #71817D;
    font-size: 14px;
    line-height: 1.8;
    margin-bottom: 22px;
}


/* ==========================================
   WARNING
========================================== */

.umfa-warning {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    background: #FFF9EF;
    border: 1px solid #F3E1C2;
    border-radius: 13px;
    margin-bottom: 20px;
}

.umfa-warning-icon {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 10px;
    background: #FFF0D9;
    color: #DB8D27;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.umfa-warning strong {
    display: block;
    color: #80571F;
    font-size: 13px;
    margin-bottom: 4px;
}

.umfa-warning p {
    color: #89775D;
    font-size: 9px;
    line-height: 1.65;
    margin: 0;
}


/* ==========================================
   SAFETY LIST
========================================== */

.umfa-safety-list {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 10px;
}

.umfa-safety-item {
    padding: 14px;
    background: #fff;
    border: 1px solid #DDEAE7;
    border-radius: 12px;
    transition: .3s ease;
}

.umfa-safety-item:hover {
    transform: translateY(-3px);
    border-color: #BFDCD6;
    box-shadow: 0 8px 22px rgba(36,124,114,.06);
}

.umfa-check {
    width: 34px;
    height: 34px;
    border-radius: 9px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    margin-bottom: 10px;
}

.umfa-safety-item strong {
    display: block;
    color: #344743;
    font-size: 14px;
    margin-bottom: 4px;
}

.umfa-safety-item span {
    display: block;
    color: #879490;
    font-size: 12px;
    line-height: 1.6;
}


/* ==========================================
   SECURITY CARD
========================================== */

.umfa-security-card {
    position: relative;
    padding: 34px;
    background: #fff;
    border: 1px solid #D8E8E4;
    border-radius: 22px;
    overflow: hidden;
    box-shadow: 0 15px 40px rgba(36,124,114,.06);
}

.umfa-security-pattern {
    position: absolute;
    width: 260px;
    height: 260px;
    right: -130px;
    top: -125px;
    border-radius: 50%;
    border: 1px solid rgba(36,124,114,.09);
}

.umfa-security-pattern span {
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(244,163,64,.10);
}

.umfa-security-pattern span:nth-child(1) {
    width: 200px;
    height: 200px;
    right: 30px;
    top: 30px;
}

.umfa-security-pattern span:nth-child(2) {
    width: 140px;
    height: 140px;
    right: 60px;
    top: 60px;
}

.umfa-security-pattern span:nth-child(3) {
    width: 80px;
    height: 80px;
    right: 90px;
    top: 90px;
}


/* ICON */

.umfa-security-icon {
    width: 55px;
    height: 55px;
    border-radius: 15px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 23px;
    margin-bottom: 22px;
    position: relative;
    z-index: 2;
}


/* LABEL */

.umfa-security-label {
    display: block;
    color: #E39A35;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.3px;
    margin-bottom: 8px;
}

.umfa-security-card h3 {
    position: relative;
    z-index: 2;
    color: #263A36;
    font-size: 24px;
    line-height: 1.3;
    font-weight: 800;
    margin: 0 0 12px;
}

.umfa-security-card h3 span {
    color: #247C72;
}

.umfa-security-card > p {
    position: relative;
    z-index: 2;
    color: #7A8885;
    font-size: 14px;
    line-height: 1.75;
    margin-bottom: 18px;
}


/* PAYMENT */

.umfa-payment-box {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 13px;
    background: #F1F9F6;
    border: 1px solid #DCEAE6;
    border-radius: 11px;
}

.umfa-payment-box > i {
    color: #247C72;
    font-size: 18px;
}

.umfa-payment-box strong {
    display: block;
    color: #3C504B;
    font-size: 14px;
    margin-bottom: 2px;
}

.umfa-payment-box span {
    display: block;
    color: #879490;
    font-size: 12px;
}


/* ==========================================
   HINDI
========================================== */

.umfa-hindi {
    display: flex;
    align-items: center;
    gap: 9px;
    margin-top: 13px;
    padding: 12px;
    background: #FFF9EF;
    border: 1px solid #F1E2C9;
    border-radius: 10px;
}

.umfa-hindi-icon {
    width: 30px;
    height: 30px;
    min-width: 30px;
    border-radius: 8px;
    background: #FFF0D8;
    color: #D88B27;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.umfa-hindi p {
    color: #765F42;
    font-size: 9px;
    line-height: 1.6;
    margin: 0;
}


/* ==========================================
   FOOTER SECURITY
========================================== */

.umfa-secure-footer {
    display: flex;
    align-items: center;
    gap: 6px;
    margin-top: 18px;
    color: #247C72;
    font-size: 12px;
    font-weight: 700;
}

.umfa-secure-footer i {
    font-size: 14px;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 991px) {

    .umfa-section {
        padding: 75px 0;
    }

    .umfa-wrapper {
        grid-template-columns: 1fr;
    }

    .umfa-content {
        padding-right: 0;
    }

}


@media(max-width: 767px) {

    .umfa-content h2 {
        font-size: 40px;
    }

    .umfa-safety-list {
        grid-template-columns: 1fr;
    }

}


@media(max-width: 575px) {

    .umfa-section {
        padding: 60px 0;
    }

    .umfa-content h2 {
        font-size: 34px;
        letter-spacing: -1.5px;
    }

    .umfa-security-card {
        padding: 25px 20px;
    }

    .umfa-security-card h3 {
        font-size: 21px;
    }

}

/* ==========================================
   MAIN
========================================== */

.umcov-section {
    position: relative;
    padding: 100px 0 90px;
    background: #ffffff;
    overflow: hidden;
}

.umcov-section .container-fluid {
    position: relative;
    z-index: 2;
}


/* ==========================================
   BACKGROUND
========================================== */

.umcov-bg {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umcov-bg-one {
    width: 450px;
    height: 450px;
    background: #EFF9F6;
    left: -280px;
    top: -220px;
}

.umcov-bg-two {
    width: 330px;
    height: 330px;
    border: 1px solid rgba(244,163,64,.13);
    right: -170px;
    bottom: -160px;
}


/* ==========================================
   HEADER
========================================== */

.umcov-header {
    max-width: 800px;
    margin: 0 auto 50px;
    text-align: center;
}

.umcov-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 15px;
    background: #FAFDFC;
    border: 1px solid #D5E6E2;
    border-radius: 30px;
    color: #247C72;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 17px;
}

.umcov-eyebrow i {
    color: #F4A340;
    font-size: 11px;
}

.umcov-header h2 {
    margin: 0;
    color: #192E2B;
    font-size: clamp(38px, 5vw, 58px);
    line-height: 1.07;
    letter-spacing: -2.5px;
    font-weight: 800;
}

.umcov-header h2 span {
    color: #247C72;
}

.umcov-header p {
    max-width: 700px;
    margin: 17px auto 0;
    color: #7B8986;
    font-size: 13px;
    line-height: 1.8;
}


/* ==========================================
   WRAPPER
========================================== */

.umcov-wrapper {
    width: 100%;
    display: grid;
    grid-template-columns: .75fr 1.25fr;
    gap: 25px;
}


/* ==========================================
   INTRO
========================================== */

.umcov-intro {
    position: relative;
    padding: 38px;
    background: #F0F9F7;
    border: 1px solid #DCEBE7;
    border-radius: 22px;
    overflow: hidden;
}

.umcov-intro::after {
    content: "INDIA";
    position: absolute;
    right: -25px;
    bottom: -18px;
    color: rgba(36,124,114,.045);
    font-size: 75px;
    font-weight: 900;
    letter-spacing: -5px;
}

.umcov-india-icon {
    width: 54px;
    height: 54px;
    border-radius: 15px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 25px;
    box-shadow: 0 10px 22px rgba(36,124,114,.14);
}

.umcov-small-label {
    display: block;
    color: #E39A35;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.4px;
    margin-bottom: 8px;
}

.umcov-intro h3 {
    position: relative;
    z-index: 2;
    color: #263A36;
    font-size: 28px;
    line-height: 1.25;
    font-weight: 800;
    margin: 0 0 12px;
}

.umcov-intro h3 strong {
    color: #247C72;
}

.umcov-intro > p {
    position: relative;
    z-index: 2;
    color: #71817D;
    font-size: 10px;
    line-height: 1.8;
    margin: 0 0 28px;
}


/* ==========================================
   STATS
========================================== */

.umcov-stats {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 6px;
    padding-top: 20px;
    border-top: 1px solid #D8E9E5;
}

.umcov-stats div {
    padding-right: 8px;
    border-right: 1px solid #D8E9E5;
}

.umcov-stats div:last-child {
    border-right: 0;
}

.umcov-stats strong {
    display: block;
    color: #247C72;
    font-size: 21px;
    font-weight: 800;
    line-height: 1;
}

.umcov-stats span {
    display: block;
    color: #7D8B87;
    font-size: 12px;
    margin-top: 5px;
}

.umcov-status {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    gap: 7px;
    margin-top: 25px;
    padding: 9px 11px;
    width: fit-content;
    background: #fff;
    border: 1px solid #DCEAE7;
    border-radius: 8px;
    color: #657571;
    font-size: 12px;
    font-weight: 600;
}

.umcov-status-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: #39A58D;
    box-shadow: 0 0 0 4px #E2F4EF;
}


/* ==========================================
   CITY GRID
========================================== */

.umcov-cities {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 11px;
    align-content: start;
}


/* ==========================================
   CITY CARD
========================================== */

.umcov-city {
    min-height: 105px;
    padding: 17px;
    display: flex;
    align-items: center;
    gap: 11px;
    position: relative;
    background: #fff;
    border: 1px solid #DFEAE7;
    border-radius: 14px;
    transition: .3s ease;
}

.umcov-city:hover {
    border-color: #BBD9D3;
    transform: translateY(-4px);
    box-shadow: 0 10px 25px rgba(36,124,114,.07);
}

.umcov-city-icon {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.umcov-city h4 {
    color: #344743;
    font-size: 14px;
    font-weight: 800;
    margin: 0 0 4px;
}

.umcov-city > div:nth-child(2) span {
    display: inline-block;
    padding: 2px 6px;
    background: #F3F7F6;
    border-radius: 4px;
    color: #899692;
    font-size: 10px;
    font-weight: 800;
}

.umcov-arrow {
    position: absolute;
    top: 13px;
    right: 13px;
    color: #C8D7D4;
    font-size: 10px;
    transition: .3s ease;
}

.umcov-city:hover .umcov-arrow {
    color: #247C72;
    transform: translate(2px,-2px);
}


/* ==========================================
   TAGS
========================================== */

.umcov-popular-tag,
.umcov-available-tag {
    position: absolute;
    left: 13px;
    top: 10px;
    padding: 3px 6px;
    border-radius: 4px;
    font-size: 6px;
    font-weight: 800;
    letter-spacing: .6px;
}

.umcov-popular-tag {
    background: #FFF2DF;
    color: #D98A22;
}

.umcov-available-tag {
    background: #EAF7F3;
    color: #247C72;
}


/* ==========================================
   BOTTOM NOTE
========================================== */

.umcov-bottom {
    margin-top: 20px;
    padding: 15px 18px;
    display: flex;
    align-items: flex-start;
    gap: 10px;
    background: #F8FBFA;
    border: 1px solid #DFEAE7;
    border-radius: 12px;
}

.umcov-bottom-icon {
    width: 32px;
    height: 32px;
    min-width: 32px;
    border-radius: 8px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
}

.umcov-bottom p {
    color: #7B8986;
    font-size: 12px;
    line-height: 1.7;
    margin: 0;
}

.umcov-bottom strong {
    color: #50625D;
}


/* ==========================================
   RESPONSIVE
========================================== */

@media(max-width: 1100px) {

    .umcov-cities {
        grid-template-columns: repeat(2,1fr);
    }

}

@media(max-width: 991px) {

    .umcov-section {
        padding: 80px 0;
    }

    .umcov-wrapper {
        grid-template-columns: 1fr;
    }

    .umcov-intro {
        min-height: auto;
    }

}

@media(max-width: 767px) {

    .umcov-header h2 {
        font-size: 40px;
        letter-spacing: -1.5px;
    }

    .umcov-cities {
        grid-template-columns: repeat(2,1fr);
    }

}

@media(max-width: 575px) {

    .umcov-section {
        padding: 60px 0;
    }

    .umcov-header h2 {
        font-size: 34px;
    }

    .umcov-header p {
        font-size: 11px;
    }

    .umcov-intro {
        padding: 27px 22px;
    }

    .umcov-intro h3 {
        font-size: 24px;
    }

    .umcov-cities {
        grid-template-columns: 1fr;
    }

    .umcov-city {
        min-height: 85px;
    }

    .umcov-bottom {
        padding: 13px;
    }

}

/* ==================================================
   URGENT MUDRA FOOTER
================================================== */

.umf-footer {
    position: relative;
    overflow: hidden;
    padding: 65px 0 0;
    background: #F5FAF8;
    color: #344743;
    border-top: 1px solid #DCEAE6;
}

.umf-footer .container-fluid {
    position: relative;
    z-index: 2;
}


/* BACKGROUND */

.umf-bg {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.umf-bg-one {
    width: 470px;
    height: 470px;
    border: 1px solid rgba(36,124,114,.08);
    right: -280px;
    top: -220px;
}

.umf-bg-two {
    width: 350px;
    height: 350px;
    border: 1px solid rgba(244,163,64,.10);
    left: -210px;
    bottom: -180px;
}


/* ==================================================
   TRUST STRIP
================================================== */

.umf-trust-strip {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr 1fr;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 18px;
    overflow: hidden;
    margin-bottom: 55px;
    box-shadow: 0 12px 35px rgba(36,124,114,.05);
}

.umf-trust-item {
    min-height: 100px;
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px 24px;
    border-right: 1px solid #E3ECEA;
}

.umf-trust-icon {
    width: 46px;
    height: 46px;
    min-width: 46px;
    border-radius: 12px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
}

.umf-trust-icon.umf-orange {
    background: #FFF3E2;
    color: #E39A35;
}

.umf-trust-item strong {
    display: block;
    color: #334743;
    font-size: 13px;
    font-weight: 800;
    margin-bottom: 5px;
}

.umf-trust-item span {
    display: block;
    color: #899692;
    font-size: 10px;
}

.umf-registration {
    padding: 20px 24px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    background: #F0F9F7;
}

.umf-registration span {
    color: #8A9995;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 1px;
}

.umf-registration strong {
    color: #247C72;
    font-size: 19px;
    margin-top: 5px;
}


/* ==================================================
   MAIN
================================================== */

.umf-main {
    display: grid;
    grid-template-columns: 1.3fr .9fr .9fr 1.15fr;
    gap: 45px;
    padding-bottom: 55px;
}


/* ==================================================
   LOGO
================================================== */

.umf-logo {
    display: inline-flex;
    align-items: center;
    gap: 11px;
    text-decoration: none;
    margin-bottom: 20px;
}

.umf-logo-icon {
    width: 50px;
    height: 50px;
    border-radius: 14px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 900;
    box-shadow: 0 9px 20px rgba(36,124,114,.15);
}

.umf-logo-text {
    color: #263A36;
    font-size: 25px;
    font-weight: 900;
    letter-spacing: -.8px;
}

.umf-logo-text span {
    color: #247C72;
}


/* ==================================================
   BRAND
================================================== */

.umf-brand-text {
    max-width: 390px;
    color: #71817D;
    font-size: 12px;
    line-height: 1.85;
    margin: 0 0 17px;
}

.umf-brand-text strong {
    color: #50615D;
}

.umf-official {
    max-width: 400px;
    display: flex;
    align-items: flex-start;
    gap: 11px;
    padding: 15px;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 12px;
}

.umf-official > i {
    color: #247C72;
    font-size: 17px;
    margin-top: 2px;
}

.umf-official p {
    color: #7E8C88;
    font-size: 10px;
    line-height: 1.7;
    margin: 0;
}


/* ==================================================
   SOCIAL
================================================== */

.umf-follow {
    color: #E39A35;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 1.3px;
    margin-top: 24px;
    margin-bottom: 10px;
}

.umf-social {
    display: flex;
    gap: 8px;
}

.umf-social a {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    background: #fff;
    border: 1px solid #DCE9E6;
    color: #71817D;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    font-size: 13px;
    transition: .3s ease;
}

.umf-social a:hover {
    color: #fff;
    background: #247C72;
    border-color: #247C72;
    transform: translateY(-3px);
}


/* ==================================================
   TITLES
================================================== */

.umf-title {
    display: flex;
    align-items: center;
    gap: 8px;
    color: #293D39;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 22px;
}

.umf-title span {
    color: #E39A35;
    font-size: 11px;
    font-weight: 800;
}


/* ==================================================
   LINKS
================================================== */

.umf-links ul {
    padding: 0;
    margin: 0;
    list-style: none;
}

.umf-links li {
    margin-bottom: 7px;
}

.umf-links a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #71817D;
    text-decoration: none;
    font-size: 11px;
    transition: .25s ease;
}

.umf-links a i {
    color: #B5C8C4;
    font-size: 11px;
}

.umf-links a:hover {
    color: #247C72;
    transform: translateX(4px);
}

.umf-links a:hover i {
    color: #F4A340;
}


/* ==================================================
   CONTACT
================================================== */

.umf-company {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    margin-bottom: 20px;
}

.umf-company-icon {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
}

.umf-company strong {
    display: block;
    color: #4A5C57;
    font-size: 10px;
    line-height: 1.5;
}

.umf-company p {
    color: #879490;
    font-size: 10px;
    line-height: 1.65;
    margin: 5px 0 0;
}

.umf-contact-item {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 15px;
}

.umf-contact-icon {
    width: 39px;
    height: 39px;
    min-width: 39px;
    border-radius: 10px;
    background: #EAF6F3;
    color: #247C72;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.umf-contact-icon.umf-orange-bg {
    background: #FFF3E2;
    color: #E39A35;
}

.umf-contact-item span {
    display: block;
    color: #9AA6A3;
    font-size: 8px;
    margin-bottom: 3px;
}

.umf-contact-item a,
.umf-contact-item strong {
    color: #52635E;
    text-decoration: none;
    font-size: 11px;
    font-weight: 700;
}

.umf-contact-item a:hover {
    color: #247C72;
}


/* ==================================================
   RESPONSIBLE
================================================== */

.umf-responsible {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 20px 22px;
    background: #fff;
    border: 1px solid #fff;
    border-radius: 15px;
    margin: 20px 0px;
}

.umf-responsible-icon {
    width: 46px;
    height: 46px;
    min-width: 46px;
    border-radius: 12px;
    background: #247C72;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}

.umf-responsible-content {
    flex: 1;
}

.umf-responsible strong {
    display: block;
    color: #40534E;
    font-size: 13px;
    margin-bottom: 5px;
}

.umf-responsible p {
    color: #7C8986;
    font-size: 10px;
    line-height: 1.7;
    margin: 0;
}

.umf-responsible-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 13px;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 9px;
    color: #247C72;
}

.umf-responsible-badge i {
    font-size: 14px;
}

.umf-responsible-badge span {
    color: #71817D;
    font-size: 8px;
    line-height: 1.4;
    font-weight: 700;
}


/* ==================================================
   FRAUD
================================================== */

.umf-fraud {
    display: flex;
    align-items: flex-start;
    gap: 13px;
    margin-top: 18px;
    padding: 17px 20px;
    background: #FFF9EF;
    border: 1px solid #F1E2C9;
    border-radius: 13px;
}

.umf-fraud-icon {
    width: 40px;
    height: 40px;
    min-width: 40px;
    border-radius: 10px;
    background: #FFF0D8;
    color: #D88B27;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
}

.umf-fraud strong {
    display: block;
    color: #765A35;
    font-size: 12px;
    margin-bottom: 4px;
}

.umf-fraud p {
    color: #89775D;
    font-size: 11px;
    line-height: 1.7;
    margin: 0;
}


/* ==================================================
   LEGAL
================================================== */

.umf-legal {
    margin-top: 25px;
    padding: 20px 0;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 10px 30px;
    border-top: 1px solid #DCE9E6;
    border-bottom: 1px solid #DCE9E6;
}

.umf-legal a {
    color: #7C8986;
    text-decoration: none;
    font-size: 12px;
    transition: .25s ease;
}

.umf-legal a:hover {
    color: #247C72;
}


/* ==================================================
   BOTTOM
================================================== */

.umf-bottom {
    min-height: 70px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    color: #879490;
    font-size: 10px;
}

.umf-bottom strong {
    color: #52635E;
}

.umf-bottom-right {
    display: flex;
    align-items: center;
    gap: 20px;
}

.umf-bottom-right span {
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.umf-bottom-right i {
    color: #247C72;
    font-size: 12px;
}


/* ==================================================
   RESPONSIVE
================================================== */

@media(max-width: 1150px) {

    .umf-main {
        grid-template-columns: 1.2fr 1fr 1fr;
    }

    .umf-contact {
        grid-column: span 3;
    }

}

@media(max-width: 991px) {

    .umf-trust-strip {
        grid-template-columns: 1fr 1fr;
    }

    .umf-trust-item:nth-child(2) {
        border-right: 0;
    }

    .umf-registration {
        border-top: 1px solid #E3ECEA;
    }

    .umf-main {
        grid-template-columns: 1fr 1fr;
        gap: 38px;
    }

    .umf-contact {
        grid-column: span 2;
    }

    .umf-responsible {
        align-items: flex-start;
    }

}

@media(max-width: 767px) {

    .umf-footer {
        padding-top: 50px;
    }

    .umf-trust-strip {
        grid-template-columns: 1fr;
    }

    .umf-trust-item {
        border-right: 0;
        border-bottom: 1px solid #E3ECEA;
    }

    .umf-registration {
        border-top: 0;
    }

    .umf-main {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .umf-contact {
        grid-column: auto;
    }

    .umf-responsible {
        flex-wrap: wrap;
    }

    .umf-responsible-badge {
        margin-left: 61px;
    }

}

@media(max-width: 575px) {

    .umf-footer {
        padding-top: 40px;
    }

    .umf-trust-item {
        padding: 18px;
    }

    .umf-logo-text {
        font-size: 23px;
    }

    .umf-brand-text {
        font-size: 11px;
    }

    .umf-title {
        font-size: 13px;
    }

    .umf-links a {
        font-size: 11px;
    }

    .umf-responsible {
        padding: 17px;
    }

    .umf-responsible-badge {
        margin-left: 0;
    }

    .umf-bottom {
        align-items: flex-start;
        flex-direction: column;
        padding: 20px 0;
    }

    .umf-bottom-right {
        align-items: flex-start;
        flex-direction: column;
        gap: 8px;
    }

    .umf-legal {
        justify-content: flex-start;
        gap: 12px 20px;
    }

}
/* ==================================================
   URGENT MUDRA UNIQUE HERO
================================================== */

.umx-hero {
    position: relative;
    overflow: hidden;
    background: #F3FAF8;
}


/* BACKGROUND */

.umx-hero::before {
    content: "";
    position: absolute;
    width: 650px;
    height: 650px;
    border: 1px solid rgba(74,136,127,.07);
    border-radius: 50%;
    left: -360px;
    top: -350px;
}

.umx-hero::after {
    content: "";
    position: absolute;
    width: 500px;
    height: 500px;
    border: 1px solid rgba(231,164,65,.10);
    border-radius: 50%;
    right: -300px;
    bottom: -300px;
}


/* ==================================================
   SLIDE
================================================== */

.umx-slide {
    min-height: 735px;
    padding: 70px 0 100px;
    position: relative;
}

.umx-slide-one {
    background:
        radial-gradient(
            circle at 75% 50%,
            rgba(255,255,255,.85),
            transparent 32%
        );
}

.umx-slide-two {
    background:
        radial-gradient(
            circle at 72% 48%,
            rgba(255,255,255,.9),
            transparent 33%
        );
}

.umx-slide-three {
    background:
        radial-gradient(
            circle at 73% 50%,
            rgba(255,255,255,.9),
            transparent 34%
        );
}


/* ==================================================
   LAYOUT
================================================== */

.umx-layout {
    min-height: 565px;
    display: grid;
    grid-template-columns: 1.03fr .97fr;
    align-items: center;
    gap: 70px;
}


/* ==================================================
   CONTENT
================================================== */

.umx-copy {
    position: relative;
    z-index: 5;
    max-width: 760px;
}


/* BADGE */

.umx-pill {
    width: fit-content;
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 9px 16px 9px 9px;
    background: rgba(255,255,255,.85);
    border: 1px solid #D6E6E2;
    border-radius: 50px;
    color: #506761;
    font-size: 13px;
    font-weight: 700;
    box-shadow: 0 8px 25px rgba(36,124,114,.05);
}

.umx-pill-icon {
    width: 31px;
    height: 31px;
    border-radius: 50%;
    background: #EAF6F3;
    color: #438178;
    display: flex;
    align-items: center;
    justify-content: center;
}


/* NUMBER */

.umx-number {
    margin-top: 35px;
    margin-bottom: 12px;
    color: #D59A43;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
}


/* HEADING */

.umx-copy h1 {
    max-width: 780px;
    color: #172B29;
    font-size: clamp(48px, 5.5vw, 76px);
    line-height: .99;
    letter-spacing: -4px;
    font-weight: 850;
    margin: 0 0 28px;
}

.umx-copy h1 span {
    display: block;
    color: #4A887F;
    position: relative;
    width: fit-content;
}

.umx-copy h1 span::after {
    content: "";
    position: absolute;
    left: 3px;
    right: 4px;
    bottom: -8px;
    height: 7px;
    background: #F1D59E;
    border-radius: 20px;
    z-index: -1;
}


/* DESCRIPTION */

.umx-copy > p {
    max-width: 700px;
    color: #667A75;
    font-size: 17px;
    line-height: 1.8;
    margin-bottom: 30px;
}


/* ==================================================
   BUTTONS
================================================== */

.umx-actions {
    display: flex;
    align-items: center;
    gap: 13px;
    flex-wrap: wrap;
}

.umx-btn-primary,
.umx-btn-outline {
    min-height: 57px;
    padding: 0 24px;
    border-radius: 13px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 14px;
    text-decoration: none;
    font-size: 14px;
    font-weight: 750;
    transition: .3s ease;
}

.umx-btn-primary {
    background: #4A887F;
    color: #fff;
    box-shadow: 0 12px 28px rgba(74,136,127,.18);
}

.umx-btn-primary:hover {
    color: #fff;
    background: #39756D;
    transform: translateY(-3px);
}

.umx-btn-outline {
    background: rgba(255,255,255,.55);
    color: #39756D;
    border: 1px solid #579087;
}

.umx-btn-outline:hover {
    color: #fff;
    background: #4A887F;
    transform: translateY(-3px);
}


/* ==================================================
   POINTS
================================================== */

.umx-points {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 23px;
    margin-top: 28px;
}

.umx-points span {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #506861;
    font-size: 12px;
    font-weight: 650;
}

.umx-points i {
    color: #4A887F;
    font-size: 13px;
}


/* ==================================================
   VISUAL
================================================== */

.umx-visual {
    position: relative;
    width: 100%;
    max-width: 610px;
    margin-left: auto;
    min-height: 610px;
    display: flex;
    align-items: center;
    justify-content: center;
}


/* IMAGE */

.umx-photo {
    width: 530px;
    height: 570px;
    position: relative;
    z-index: 2;
    overflow: hidden;
    border-radius: 42px;
    background: #DCEBE7;
    box-shadow: 0 30px 70px rgba(39,75,69,.14);
}

.umx-photo::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(
        180deg,
        rgba(255,255,255,.04),
        rgba(30,70,63,.08)
    );
    pointer-events: none;
}

.umx-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 6s ease;
}

.carousel-item.active .umx-photo img {
    transform: scale(1.045);
}


/* ==================================================
   RINGS
================================================== */

.umx-ring {
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(74,136,127,.13);
    z-index: 1;
}

.umx-ring-one {
    width: 540px;
    height: 540px;
    right: -15px;
}

.umx-ring-two {
    width: 650px;
    height: 650px;
    right: -70px;
    border-color: rgba(235,174,84,.09);
}


/* ==================================================
   MONEY CARD
================================================== */

.umx-money-card {
    position: absolute;
    right: -25px;
    top: 85px;
    z-index: 5;
    width: 220px;
    padding: 20px 21px;
    background: rgba(255,255,255,.97);
    border: 1px solid #DCE9E6;
    border-radius: 19px;
    box-shadow: 0 18px 45px rgba(37,76,68,.13);
}

.umx-money-card small {
    display: block;
    color: #8A9995;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1px;
}

.umx-money-card strong {
    display: inline-block;
    color: #438178;
    font-size: 29px;
    font-weight: 850;
    margin-top: 4px;
}

.umx-money-card > span {
    color: #8A9693;
    font-size: 10px;
    margin-left: 3px;
}

.umx-money-line {
    height: 5px;
    background: #EAF3F1;
    border-radius: 20px;
    margin: 15px 0 11px;
    overflow: hidden;
}

.umx-money-line span {
    display: block;
    width: 68%;
    height: 100%;
    border-radius: 20px;
    background: #4A887F;
}

.umx-money-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    color: #758581;
    font-size: 9px;
}

.umx-money-bottom i {
    color: #4A887F;
}


/* ==================================================
   PROCESS CARD
================================================== */

.umx-process-card {
    position: absolute;
    z-index: 6;
    left: -40px;
    bottom: 38px;
    min-width: 300px;
    padding: 16px 19px;
    background: rgba(255,255,255,.98);
    border: 1px solid #DCE9E6;
    border-radius: 19px;
    display: flex;
    align-items: center;
    gap: 13px;
    box-shadow: 0 18px 45px rgba(37,76,68,.13);
}

.umx-process-icon {
    width: 50px;
    height: 50px;
    min-width: 50px;
    border-radius: 14px;
    background: #EAF6F3;
    color: #4A887F;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
}

.umx-process-card strong {
    display: block;
    color: #334742;
    font-size: 14px;
    margin-bottom: 4px;
}

.umx-process-card span {
    display: block;
    color: #899793;
    font-size: 10px;
}


/* ==================================================
   MINI STAT
================================================== */

.umx-mini-stat {
    position: absolute;
    z-index: 7;
    left: 35px;
    top: 85px;
    padding: 10px 13px;
    background: #fff;
    border: 1px solid #DFEAE7;
    border-radius: 11px;
    display: flex;
    align-items: center;
    gap: 8px;
    box-shadow: 0 12px 30px rgba(37,76,68,.1);
}

.umx-mini-stat > i {
    width: 27px;
    height: 27px;
    border-radius: 8px;
    background: #EDF7F4;
    color: #4A887F;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
}

.umx-mini-stat strong {
    display: block;
    color: #4A887F;
    font-size: 11px;
    line-height: 1;
}

.umx-mini-stat span {
    display: block;
    color: #879490;
    font-size: 7px;
    margin-top: 3px;
}


/* ==================================================
   APP CARD
================================================== */

.umx-app-card {
    position: absolute;
    right: -25px;
    top: 65px;
    z-index: 5;
    width: 250px;
    padding: 20px;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 21px;
    box-shadow: 0 20px 50px rgba(37,76,68,.14);
}

.umx-app-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 13px;
    border-bottom: 1px solid #EDF2F0;
    margin-bottom: 15px;
}

.umx-app-top span {
    color: #40544F;
    font-size: 11px;
    font-weight: 800;
}

.umx-app-top i {
    color: #4A887F;
    font-size: 14px;
}

.umx-app-card small {
    color: #929E9B;
    font-size: 7px;
    font-weight: 800;
    letter-spacing: 1px;
}

.umx-app-card > strong {
    display: block;
    color: #438178;
    font-size: 27px;
    margin: 3px 0 10px;
}

.umx-app-progress {
    height: 5px;
    border-radius: 20px;
    background: #EAF2F0;
    overflow: hidden;
}

.umx-app-progress span {
    display: block;
    width: 73%;
    height: 100%;
    background: #4A887F;
}

.umx-app-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin: 15px 0;
}

.umx-app-row span {
    color: #8A9693;
    font-size: 8px;
}

.umx-app-row strong {
    color: #4B5E59;
    font-size: 9px;
}

.umx-app-button {
    padding: 10px;
    border-radius: 9px;
    background: #4A887F;
    color: #fff;
    text-align: center;
    font-size: 9px;
    font-weight: 700;
}

.umx-app-button i {
    margin-left: 5px;
}


/* ==================================================
   CALCULATOR CARD
================================================== */

.umx-calculator-card {
    position: absolute;
    right: -30px;
    top: 65px;
    z-index: 5;
    width: 270px;
    padding: 20px;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 21px;
    box-shadow: 0 20px 50px rgba(37,76,68,.14);
}

.umx-calc-title {
    display: flex;
    align-items: center;
    gap: 9px;
    margin-bottom: 17px;
}

.umx-calc-icon {
    width: 35px;
    height: 35px;
    border-radius: 10px;
    background: #EDF7F4;
    color: #4A887F;
    display: flex;
    align-items: center;
    justify-content: center;
}

.umx-calc-title span {
    color: #657873;
    font-size: 8px;
    font-weight: 800;
    letter-spacing: 1px;
}

.umx-calculator-card small {
    color: #929E9B;
    font-size: 7px;
    font-weight: 800;
}

.umx-calculator-card > strong {
    display: block;
    color: #438178;
    font-size: 29px;
    margin-top: 3px;
}

.umx-calc-bar {
    height: 5px;
    background: #EAF2F0;
    border-radius: 20px;
    margin: 14px 0;
}

.umx-calc-bar span {
    display: block;
    width: 55%;
    height: 100%;
    background: #4A887F;
    border-radius: 20px;
}

.umx-calc-details {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
}

.umx-calc-details div {
    padding: 9px;
    background: #F7FAF9;
    border-radius: 8px;
}

.umx-calc-details span {
    display: block;
    color: #929E9B;
    font-size: 7px;
}

.umx-calc-details strong {
    color: #4C5F5A;
    font-size: 10px;
}


/* ==================================================
   PURPOSE CARD
================================================== */

.umx-purpose-card {
    position: absolute;
    left: -40px;
    bottom: 38px;
    z-index: 6;
    min-width: 285px;
    padding: 16px 19px;
    background: #fff;
    border: 1px solid #DCE9E6;
    border-radius: 19px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: 0 18px 45px rgba(37,76,68,.13);
}

.umx-purpose-icon {
    width: 50px;
    height: 50px;
    min-width: 50px;
    border-radius: 14px;
    background: #FFF4E4;
    color: #D9993F;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
}

.umx-purpose-card strong {
    display: block;
    color: #334742;
    font-size: 13px;
    margin-bottom: 4px;
}

.umx-purpose-card span {
    color: #899793;
    font-size: 9px;
}


/* ==================================================
   NAVIGATION
================================================== */

.umx-nav {
    position: absolute;
    z-index: 10;
    bottom: 43px;
    width: 45px;
    height: 45px;
    border: 1px solid #D5E4E1;
    border-radius: 50%;
    background: #fff;
    color: #4A887F;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    transition: .3s ease;
}

.umx-prev {
    right: 145px;
}

.umx-next {
    right: 90px;
}

.umx-nav:hover {
    color: #fff;
    background: #4A887F;
    border-color: #4A887F;
}


/* ==================================================
   DOTS
================================================== */

.umx-dots {
    right: 205px;
    left: auto;
    bottom: 60px;
    margin: 0;
    width: auto;
    gap: 5px;
}

.umx-dots button {
    width: 22px !important;
    height: 4px !important;
    margin: 0 !important;
    padding: 0;
    border: 0 !important;
    border-radius: 20px;
    background: #C8DCD8 !important;
    opacity: 1 !important;
}

.umx-dots button.active {
    width: 40px !important;
    background: #4A887F !important;
}


/* ==================================================
   ANIMATION
================================================== */

.umx-copy {
    opacity: 0;
    transform: translateX(-35px);
    transition: .8s ease .15s;
}

.carousel-item.active .umx-copy {
    opacity: 1;
    transform: translateX(0);
}

.umx-visual {
    opacity: 0;
    transform: translateX(35px);
    transition: .9s ease .2s;
}

.carousel-item.active .umx-visual {
    opacity: 1;
    transform: translateX(0);
}

.umx-money-card,
.umx-app-card,
.umx-calculator-card {
    animation: umxFloat 4s ease-in-out infinite;
}

.umx-process-card,
.umx-purpose-card {
    animation: umxFloatTwo 4.5s ease-in-out infinite;
}

@keyframes umxFloat {

    0%,100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-9px);
    }

}

@keyframes umxFloatTwo {

    0%,100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(7px);
    }

}


/* ==================================================
   RESPONSIVE
================================================== */

@media(max-width: 1200px) {

    .umx-layout {
        gap: 35px;
    }

    .umx-copy h1 {
        font-size: 58px;
    }

    .umx-copy > p {
        font-size: 13px;
    }

    .umx-photo {
        width: 470px;
        height: 520px;
    }

}

@media(max-width: 991px) {

    .umx-slide {
        min-height: auto;
        padding: 65px 0 100px;
    }

    .umx-layout {
        grid-template-columns: 1fr;
        gap: 55px;
    }

    .umx-copy {
        max-width: 800px;
        text-align: center;
        margin: auto;
    }

    .umx-pill,
    .umx-copy h1 span {
        margin-left: auto;
        margin-right: auto;
    }

    .umx-actions,
    .umx-points {
        justify-content: center;
    }

    .umx-visual {
        margin: auto;
        max-width: 620px;
    }

    .umx-nav {
        display: none;
    }

    .umx-dots {
        left: 50%;
        right: auto;
        transform: translateX(-50%);
        bottom: 35px;
    }

}

@media(max-width: 767px) {

    .umx-slide {
        padding-top: 50px;
    }

    .umx-copy h1 {
        font-size: 45px;
        letter-spacing: -2.5px;
    }

    .umx-copy > p {
        font-size: 14px;
    }

    .umx-visual {
        min-height: 490px;
    }

    .umx-photo {
        width: 410px;
        height: 450px;
        border-radius: 30px;
    }

    .umx-money-card,
    .umx-app-card,
    .umx-calculator-card {
        right: -5px;
        top: 40px;
        width: 205px;
    }

    .umx-process-card,
    .umx-purpose-card {
        left: -5px;
        bottom: 20px;
        min-width: 260px;
    }

    .umx-mini-stat {
        left: 5px;
        top: 35px;
    }

}

@media(max-width: 500px) {

    .umx-slide {
        padding: 40px 0 90px;
    }

    .umx-pill {
        font-size: 10px;
    }

    .umx-copy h1 {
        font-size: 37px;
        letter-spacing: -1.8px;
    }

    .umx-copy > p {
        font-size: 12px;
    }

    .umx-actions {
        flex-direction: column;
        width: 100%;
    }

    .umx-btn-primary,
    .umx-btn-outline {
        width: 100%;
        min-height: 52px;
    }

    .umx-points {
        gap: 10px 15px;
    }

    .umx-points span {
        font-size: 10px;
    }

    .umx-visual {
        min-height: 420px;
    }

    .umx-photo {
        width: 100%;
        height: 390px;
        border-radius: 25px;
    }

    .umx-ring {
        display: none;
    }

    .umx-money-card,
    .umx-app-card,
    .umx-calculator-card {
        width: 175px;
        padding: 14px;
        right: -4px;
        top: 25px;
    }

    .umx-money-card strong,
    .umx-app-card > strong,
    .umx-calculator-card > strong {
        font-size: 22px;
    }

    .umx-process-card,
    .umx-purpose-card {
        min-width: 220px;
        padding: 12px;
        left: -4px;
        bottom: 12px;
    }

    .umx-process-icon,
    .umx-purpose-icon {
        width: 40px;
        height: 40px;
        min-width: 40px;
        font-size: 17px;
    }

    .umx-process-card strong,
    .umx-purpose-card strong {
        font-size: 11px;
    }

    .umx-process-card span,
    .umx-purpose-card span {
        font-size: 8px;
    }

    .umx-mini-stat {
        display: none;
    }

}
/* ==================================================
   URGENT MUDRA
   GRIEVANCE REDRESSAL FOOTER SECTION
================================================== */

/* .umx-grievance-footer {
    background: #F5FAF8;
    padding: 35px 0;
} */


/* ==================================================
   MAIN BOX
================================================== */

.umx-grievance-box {
    position: relative;
    overflow: hidden;

    display: grid;
    grid-template-columns: 290px 1fr;
    gap: 40px;

    /* padding: 20px;

    background: #FFFFFF;

    border: 1px solid #DCEAE6;

    border-radius: 22px;

    box-shadow:
        0 15px 45px rgba(40, 85, 77, 0.07); */
}


/* Decorative circle */

.umx-grievance-box::before {
    content: "";

    position: absolute;

    width: 230px;
    height: 230px;

    border-radius: 50%;

    border: 1px solid rgba(74,136,127,0.08);

    left: -120px;
    bottom: -130px;

    pointer-events: none;
}


.umx-grievance-box::after {
    content: "";

    position: absolute;

    width: 180px;
    height: 180px;

    border-radius: 50%;

    border: 1px solid rgba(224,163,70,0.10);

    right: -90px;
    top: -100px;

    pointer-events: none;
}


/* ==================================================
   BRAND AREA
================================================== */

.umx-grievance-brand {
    position: relative;

    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;

    text-align: center;

    padding-right: 35px;

    border-right: 1px solid #E6EFEC;

    z-index: 2;
}


/* ==================================================
   LOGO
================================================== */

.umx-grievance-logo {
    width: 180px;
    height: 125px;

    display: flex;
    align-items: center;
    justify-content: center;

    margin-bottom: 12px;
}

.umx-grievance-logo img {
    max-width: 100%;
    max-height: 120px;

    width: auto;
    height: auto;

    object-fit: contain;
}


/* ==================================================
   COMPANY NAME
================================================== */

.umx-grievance-unit {
    margin-bottom: 14px;
}

.umx-grievance-unit span {
    display: block;

    color: #8B9995;

    font-size: 11px;

    margin-bottom: 3px;
}

.umx-grievance-unit strong {
    display: block;

    color: #31534D;

    font-size: 13px;

    font-weight: 750;
}


/* ==================================================
   RBI BADGE
================================================== */

.umx-grievance-badge {
    display: inline-flex;

    align-items: center;
    gap: 7px;

    padding: 7px 12px;

    border-radius: 30px;

    background: #EEF8F5;

    border: 1px solid #D8EBE6;

    color: #4A887F;

    font-size: 10px;

    font-weight: 700;
}

.umx-grievance-badge i {
    font-size: 13px;
}


/* ==================================================
   CONTENT
================================================== */

.umx-grievance-content {
    position: relative;

    z-index: 2;

    padding-top: 3px;
}


/* ==================================================
   HEADING
================================================== */

.umx-grievance-heading {
    display: flex;

    align-items: center;

    gap: 13px;

    margin-bottom: 17px;
}

.umx-grievance-icon {
    width: 45px;
    height: 45px;

    min-width: 45px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 13px;

    background: #EEF8F5;

    color: #4A887F;

    font-size: 19px;

    border: 1px solid #DCEDE8;
}

.umx-grievance-heading span {
    display: block;

    color: #D49A43;

    font-size: 9px;

    font-weight: 800;

    letter-spacing: 1.5px;

    margin-bottom: 3px;
}

.umx-grievance-heading h3 {
    margin: 0;

    color: #1D322F;

    font-size: 12px;

    font-weight: 800;

    text-transform: capitalize;
}


/* ==================================================
   DESCRIPTION
================================================== */

.umx-grievance-content p {
    color: #647873;

    font-size: 11px;

    line-height: 1.8;

    margin: 0 0 10px;

    max-width: 900px;
}

.umx-grievance-content p strong {
    color: #3E746C;

    font-weight: 800;
}


/* ==================================================
   CONTACT
================================================== */

.umx-grievance-contact {
    display: flex;

    flex-wrap: wrap;

    gap: 12px;

    margin-top: 18px;
}


/* Contact item */

.umx-grievance-contact-item {
    display: flex;

    align-items: center;

    gap: 10px;

    min-width: 225px;

    padding: 10px 13px;

    background: #F7FBFA;

    border: 1px solid #E0ECE9;

    border-radius: 12px;

    text-decoration: none;

    transition: all .3s ease;
}

.umx-grievance-contact-item:hover {
    transform: translateY(-2px);

    background: #EEF8F5;

    border-color: #CBE2DD;
}


/* Contact icon */

.umx-grievance-contact-icon {
    width: 34px;
    height: 34px;

    min-width: 34px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 9px;

    background: #E6F4F0;

    color: #4A887F;

    font-size: 12px;
}


/* Contact text */

.umx-grievance-contact-item small {
    display: block;

    color: #899793;

    font-size: 8px;

    margin-bottom: 2px;
}

.umx-grievance-contact-item strong {
    display: block;

    color: #405852;

    font-size: 11px;

    font-weight: 750;
}


/* ==================================================
   RESPONSIVE
================================================== */

@media(max-width: 991px) {

    .umx-grievance-box {
        grid-template-columns: 1fr;

        gap: 25px;

        padding: 28px;
    }

    .umx-grievance-brand {
        padding-right: 0;
        padding-bottom: 25px;

        border-right: 0;

        border-bottom: 1px solid #E6EFEC;
    }

    .umx-grievance-logo {
        width: 200px;
    }

    .umx-grievance-contact {
        justify-content: flex-start;
    }

}


@media(max-width: 575px) {

    .umx-grievance-footer {
        padding: 25px 0;
    }

    .umx-grievance-box {
        padding: 22px 18px;

        border-radius: 17px;
    }

    .umx-grievance-logo {
        width: 175px;
        height: 110px;
    }

    .umx-grievance-logo img {
        max-height: 105px;
    }

    .umx-grievance-heading h3 {
        font-size: 17px;
    }

    .umx-grievance-content p {
        font-size: 11px;
        line-height: 1.75;
    }

    .umx-grievance-contact {
        flex-direction: column;
    }

    .umx-grievance-contact-item {
        width: 100%;
        min-width: 0;
    }

}