:root {
  --fc-blue: #0102a2;
  --fc-green: #82a522;
  --fc-text: #111;
  --fc-muted: #475569;
}

/* ===== Base + container ===== */
.container-xxl {
  padding-left: 12px;
  padding-right: 12px;
}

.text-justify {
  text-align: justify;
}

/* ===== Unified Hero (parity with Personal Loan page) ===== */
.fcHero-modern {
  background: #fff;
  border-radius: 20px;
  padding: 30px;
  border: 10px solid #f5f5f5;
  margin-top: 0;
  margin-bottom: 16px;
}

.fcHero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.fcHero-content {
  padding-right: 20px;
}

.fcHero-media {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
}

/* H1 exact size/color + accent */
.fcH1 {
  font-size: 24px;
  color: var(--fc-blue);
  font-weight: 800;
  line-height: 1.25;
  margin: 0 0 12px 0;
}

.fcH1 .fcAccent {
  color: var(--fc-green) !important;
  font-weight: 900;
}

/* Backlink (under H1) */
.fcBacklink {
  margin: 4px 0 14px 0;
  font-size: 13px;
}

.fcBacklink a {
  color: var(--fc-green);
  font-weight: 700;
  text-decoration: none;
  border-bottom: 2px solid rgba(130, 165, 34, .25);
  padding-bottom: 1px;
}

.fcBacklink a:hover {
  border-bottom-color: #82a522;
  color: #0102a2;
}

/* === Key Points (exact same pattern as personal-loan) === */
.fcHero-keypoints {
  background: #f8f9ff;
  padding: 16px;
  border-radius: 12px;
  border-left: 4px solid #0102a2;
  margin: 8px 0 18px;
}

.fcHero-keypoints b {
  color: #0102a2;
  font-size: 14px;
}

.fcHero-keypoints p {
  margin: 8px 0 0;
  font-size: 13px;
  line-height: 1.55;
  color: #111;
}

/* Hero subline */
.fcHero-sub {
  font-size: 14px;
  color: var(--fc-muted);
  line-height: 1.45;
  margin: 6px 0 16px;
}

/* Metrics (flat) */
.fcHero-metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.fcHero-metric-card {
  background: #fff;
  padding: 14px 12px;
  border-radius: 12px;
  border: 1px solid #e8edff;
  text-align: center;
  box-shadow: none;
}

.fcHero-metric-icon {
  width: 40px;
  height: 40px;
  margin: 0 auto 8px;
  background: linear-gradient(135deg, #0102a2, #2b3cff);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 14px;
}

.fcHero-metric-card b {
  display: block;
  font-size: 14px;
  color: #111;
  margin-bottom: 4px;
}

.fcHero-metric-card span {
  font-size: 12px;
  color: #64748b;
}

/* Steps */
.fcSteps {
  display: grid;
  gap: 12px;
  margin: 6px 0 6px;
}

.fcStep {
  display: grid;
  grid-template-columns: 30px 1fr;
  gap: 10px;
  align-items: start;
}

.fcStep .dot {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid #c7d2fe;
  color: #0102a2;
  font-weight: 800;
  display: grid;
  place-items: center;
}

.fcStep b {
  color: #0f172a;
  font-size: 14px;
}

.fcStep p {
  margin: 2px 0 0;
  color: #64748b;
  font-size: 13px;
}

/* Content cards */
.fcCard {
  background: #fff;
  border-radius: 16px;
  padding: 16px;
  border: 10px solid #f5f5f5;
  box-shadow: none;
  margin-bottom: 16px;
}

.fcH {
  color: var(--fc-blue);
  font-weight: 700;
  font-size: clamp(18px, 3.8vw, 22px);
  border-bottom: 2px solid var(--fc-green);
  padding-bottom: 8px;
  margin: 0 0 12px;
}

.fcH6 {
  color: #0f172a;
  font-weight: 700;
  font-size: 16px;
  margin: 8px 0 6px;
}

.fcList {
  padding-left: 18px;
}

.fcList li {
  margin: 4px 0;
}

/* Tables (if you add any later) */
.table caption {
  caption-side: top;
  font-weight: 700;
  color: #111;
  margin-bottom: 6px;
}

.table thead th {
  background: #eef3ff;
  border-color: #e3e9ff;
}

/* ===== Contrast fix: FORCE readable text on white background ===== */
.fcHero-modern :where(p, li, td, th, small, span, label, .accordion-body),
.fcCard :where(p, li, td, th, small, span, label, .accordion-body) {
  color: #111 !important;
  /* override any stray .text-white etc. */
}

/* keep button text white */
/* .btn, .btn * { color:#fff !important; } */

/* ===== Responsive ===== */
@media (max-width: 991.98px) {
  .fcHero-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .fcHero-content {
    padding-right: 0;
  }

  .fcHero-metrics-grid {
    grid-template-columns: 1fr;
  }

  .fcHero-modern {
    padding: 20px;
    border-radius: 16px;
  }
}

@media (max-width:575.98px) {
  .fcHero-modern {
    padding: 16px;
  }

  .fcHero-keypoints {
    padding: 14px;
    border-radius: 10px;
  }

  .fcHero-keypoints b {
    font-size: 13.5px;
  }

  .fcHero-keypoints p {
    font-size: 13px;
  }
}


/* ===== Two-tone heading (exact split) ===== */
.fcw-title {
  margin: .45rem 0 .25rem;
  line-height: 1.05;
  font-weight: 900;
  letter-spacing: .2px;
  font-size: clamp(28px, 5vw, 48px);
  white-space: nowrap;
  /* Prevent wrap */
}

.fcw-title .t-left {
  color: var(--fc-blue) !important;
  display: inline;
  /* changed */
}

.fcw-title .t-right {
  color: var(--fc-green) !important;
  display: inline;
  /* changed */
}


/* Scoped to #top to avoid clashes */
#top {
  --fc-blue: #0102a2;
  --fc-green: #82a522;
  --ink: #0b1020;
  --muted: #64748b;
  --soft: #f6f8ff;
  --stroke: #e8edff;
}

#top .fcw-title {
  margin: .25rem 0 .5rem;
  line-height: 1.05;
  font-weight: 900;
  letter-spacing: .2px;
  font-size: clamp(28px, 5vw, 36px);
}

#top .fcHero-sub {
  font-size: 14px;
  color: var(--ink);
  margin: 6px 0 12px;
}

/* Key highlights pills */
#top .key-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 8px 0 12px;
}

#top .pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 10px;
  border-radius: 999px;
  background: #f7f9ff;
  border: 1px solid #ebefff;
  color: #0b3ea8;
  font-weight: 700;
  font-size: 12.5px;
}

#top .pill .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--fc-green);
}

/* Metrics */
#top .metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin: 8px 0 10px;
}

@media(max-width:575.98px) {
  #top .metrics {
    grid-template-columns: 1fr;
  }
}

#top .metric {
  background: #fff;
  border: 1px solid var(--stroke);
  border-radius: 12px;
  padding: 12px;
  text-align: center;
}

#top .metric b {
  display: block;
  font-size: 14px;
  color: #111;
}

#top .metric span {
  font-size: 12px;
  color: #64748b;
}

/* Two info cards */
#top .cols {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr;
}

@media(min-width:768px) {
  #top .cols {
    grid-template-columns: 1fr 1fr;
  }
}

#top .cardLite {
  background: #fff;
  border: 1px solid var(--stroke);
  border-radius: 12px;
  padding: 12px;
}

#top .cardLite h3 {
  margin: 0 0 6px;
  font-size: 15px;
  color: var(--ink);
  font-weight: 800;
}

#top .cardLite .list {
  margin: 0;
  padding-left: 18px;
}

#top .cardLite .list li {
  margin: 4px 0;
  font-size: 13px;
  color: var(--ink);
}

/* CTAs */
#top .hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  margin-top: 6px;
}

#top .btn-primary {
  background: linear-gradient(90deg, var(--fc-blue), #2f86ff);
  color: #fff;
  border: none;
  border-radius: 999px;
  padding: 10px 16px;
  font-weight: 800;
  display: inline-flex;
  gap: 8px;
  align-items: center;
}

#top .btn-ghost {
  background: #eef6ff;
  color: #0b3ea8;
  border: 1px solid #d7eaff;
  border-radius: 999px;
  padding: 10px 14px;
  font-weight: 700;
}

:root {
  --fc-blue: #0102a2;
  --fc-green: #82a522;
  --ink: #0b1020;
  --muted: #64748b;
  --bg: #ffffff;
  --soft: #f6f8ff;
  --radius: 16px;
  --shadow: 0 8px 18px rgba(0, 0, 0, .06);
}

/* ===== Global compact spacing ===== */
.fcSect {
  padding: 12px 0;
}

.fcCard {
  background: #fff;
  border-radius: var(--radius);
  padding: 14px;
  border: 6px solid #f5f5f5;
  box-shadow: none;
  margin-bottom: 12px;
}

.fcH {
  color: var(--fc-blue);
  font-weight: 800;
  margin: 0 0 8px;
  font-size: 18px;
  border-bottom: 2px solid var(--fc-green);
  padding-bottom: 6px;
}

.fcH6 {
  color: #0f172a;
  font-weight: 700;
  font-size: 16px;
  margin: 6px 0 4px;
}

.fcList {
  margin: 0 0 6px 18px;
  padding: 0;
}

.fcList li {
  margin: 4px 0;
  color: var(--ink);
}

.text-justify {
  text-align: justify;
}

/* TOC chips */
.fcTOC {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 8px;
}

.fcTOC a {
  display: inline-flex;
  gap: 8px;
  align-items: center;
  text-decoration: none;
  background: #f7f9ff;
  border: 1px solid #ebefff;
  color: var(--fc-blue);
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 13px;
  font-weight: 700;
}

.fcTOC a:hover {
  background: #eef3ff;
}

/* Pointers */
.fcPointers {
  display: grid;
  grid-template-columns: 1fr;
  gap: 6px;
  margin-top: 6px;
}

@media(min-width:768px) {
  .fcPointers {
    grid-template-columns: repeat(3, 1fr);
  }
}

.fcPoint {
  background: #fff;
  border: 1px dashed #dce3ff;
  border-radius: 12px;
  padding: 8px;
  display: flex;
  gap: 8px;
}

.fcPoint .ic {
  flex: 0 0 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: #edf1ff;
  font-weight: 800;
  font-size: 13px;
}

.fcPoint .tx {
  font-size: 13.5px;
  color: var(--ink);
  line-height: 1.4;
}

/* Utilities */
.fcGrid-2 {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr;
}

@media(min-width:768px) {
  .fcGrid-2 {
    grid-template-columns: 1fr 1fr;
  }
}

.fcCallout {
  background: #f8fbff;
  border: 1px dashed #dce3ff;
  border-left: 4px solid #0102a2;
  border-radius: 12px;
  padding: 10px;
  margin: 8px 0;
}

.fcCallout b {
  color: #0102a2;
}

/* WHAT (pills) */
#what-topup .mini-list {
  display: grid;
  gap: 8px;
  grid-template-columns: 1fr;
  margin: 8px 0 6px;
}

@media(min-width:768px) {
  #what-topup .mini-list {
    grid-template-columns: 1fr 1fr;
  }
}

#what-topup .pill {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 10px;
  border-radius: 12px;
  border: 1px solid #e8edff;
  background: #fff;
  font-size: 13px;
  color: var(--ink);
}

#what-topup .pill .ic {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #eaf4ff;
  border: 1px solid #d7eaff;
  color: var(--fc-blue);
  font-weight: 800;
  font-size: 12px;
}

/* BENEFITS cards */
#benefits .grid {
  display: grid;
  gap: 10px;
  margin-top: 6px;
  grid-template-columns: 1fr;
}

@media(min-width:768px) {
  #benefits .grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media(min-width:1200px) {
  #benefits .grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

#benefits .bcard {
  background: #fff;
  border: 1px solid #e8edff;
  border-radius: 12px;
  padding: 12px 12px 12px 44px;
  position: relative;
  transition: transform .16s ease, box-shadow .16s ease, border-color .16s ease;
}

#benefits .bcard:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 24px rgba(1, 2, 162, .08);
  border-color: #d7e3ff;
}

#benefits .ic {
  position: absolute;
  left: 10px;
  top: 12px;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  font-size: 12px;
  font-weight: 800;
  background: #eaf4ff;
  color: var(--fc-blue);
  border: 1px solid #d7eaff;
}

#benefits .btitle {
  margin: 0 0 2px;
  font-size: 15px;
  color: var(--ink);
  font-weight: 800;
}

#benefits .btxt {
  margin: 0;
  font-size: 13px;
  color: var(--muted);
  line-height: 1.5;
}

/* HOW timeline */
#how-topup .timeline {
  display: grid;
  gap: 8px;
  position: relative;
  margin-top: 4px;
}

#how-topup .tstep {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 10px;
  align-items: start;
  background: #fff;
  border: 1px solid #e8edff;
  border-radius: 12px;
  padding: 10px;
}

#how-topup .num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #fff;
  border: 2px solid #cfe0ff;
  color: #0102a2;
  font-weight: 800;
  font-size: 12px;
}

#how-topup .tstep b {
  color: #0f172a;
  font-size: 14px;
  display: block;
  margin: 0 0 2px;
}

#how-topup .tstep p {
  margin: 0;
  color: #64748b;
  font-size: 13px;
  line-height: 1.45;
}

@media(min-width:992px) {
  #how-topup .timeline {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 10px;
    background: linear-gradient(#fff 20px, #fff calc(50% - 2px), #e1e8ff calc(50% - 2px), #e1e8ff calc(50% + 2px), #fff calc(50% + 2px));
    background-size: 100% 100%;
    padding: 6px 4px;
  }

  #how-topup .tstep {
    grid-template-columns: 1fr;
    text-align: center;
    padding: 12px 10px 10px;
  }

  #how-topup .num {
    margin: 0 auto 6px;
  }
}

/* Table */
.fcTable-mini {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1px solid #e8edff;
  border-radius: 12px;
  overflow: hidden;
  margin-top: 8px;
}

.fcTable-mini th,
.fcTable-mini td {
  padding: 10px 12px;
  font-size: 14px;
}

.fcTable-mini thead th {
  background: #eef3ff;
  color: #0102a2;
}

.fcTable-mini tbody tr+tr td {
  border-top: 1px solid #eef2ff;
}

/* FAQ */
.accordion .accordion-item {
  border: 1px solid #e8edff;
  border-radius: 10px;
  overflow: hidden;
  margin-bottom: 8px;
}

.accordion-button {
  font-weight: 600;
}

.accordion-button:not(.collapsed) {
  background: #f8f9ff;
  color: #0102a2;
}

.accordion-button:focus {
  box-shadow: 0 0 0 .2rem rgba(1, 2, 162, .15);
}

.accordion-body {
  color: #111;
}


:root {
  --fc-blue: #0102a2;
  --fc-green: #82a522;
  --ink: #0b1020;
  --muted: #64748b;
  --bg: #ffffff;
  --soft: #f6f8ff;
  --radius: 16px;
  --stroke: #e8edff;
}

.fcSect {
  padding: 12px 0;
}

.fcCard {
  background: #fff;
  border-radius: var(--radius);
  padding: 14px;
  border: 6px solid #f5f5f5;
  margin-bottom: 12px;
}

.fcH {
  color: var(--fc-blue);
  font-weight: 800;
  margin: 0 0 8px;
  font-size: 18px;
}

.fcH6 {
  color: #0f172a;
  font-weight: 700;
  font-size: 16px;
  margin: 6px 0 4px;
}

.fcList {
  margin: 0 0 6px 18px;
  padding: 0;
}

.fcList li {
  margin: 4px 0;
  color: var(--ink);
}

.text-justify {
  text-align: justify;
}

/* TOC + pointers */
.fcTOC {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 8px;
}

.fcTOC a {
  display: inline-flex;
  gap: 8px;
  align-items: center;
  text-decoration: none;
  background: #f7f9ff;
  border: 1px solid #ebefff;
  color: var(--fc-blue);
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 13px;
  font-weight: 600;
}

.fcTOC a:hover {
  background: #eef3ff;
}

.fcPointers {
  display: grid;
  grid-template-columns: 1fr;
  gap: 6px;
  margin-top: 6px;
}

@media(min-width:768px) {
  .fcPointers {
    grid-template-columns: repeat(3, 1fr);
  }
}

.fcPoint {
  background: #fff;
  border: 1px dashed #dce3ff;
  border-radius: 12px;
  padding: 8px;
  display: flex;
  gap: 8px;
}

.fcPoint .ic {
  flex: 0 0 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: #edf1ff;
  font-weight: 800;
  font-size: 13px;
}

.fcPoint .tx {
  font-size: 13.5px;
  color: var(--ink);
  line-height: 1.4;
}

/* Pills (one line, 3 items) */
.key-pills {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
  margin: 8px 0 10px;
}

.pill {
  display: flex;
  gap: 6px;
  align-items: center;
  justify-content: center;
  padding: 7px 8px;
  font-size: 12.5px;
  font-weight: 700;
  color: #0b3ea8;
  background: #f7f9ff;
  border: 1px solid #ebefff;
  border-radius: 999px;
  white-space: nowrap;
}

.pill .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--fc-green);
}

/* Grids + callouts */
.fcGrid-2 {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr;
}

@media(min-width:768px) {
  .fcGrid-2 {
    grid-template-columns: 1fr 1fr;
  }
}

.fcCallout {
  background: #f8fbff;
  border: 1px dashed #dce3ff;
  border-left: 4px solid #0102a2;
  border-radius: 12px;
  padding: 10px;
  margin: 8px 0;
}

.fcCallout b {
  color: #0102a2;
}

/* Benefits grid */
.grid {
  display: grid;
  gap: 10px;
  margin-top: 6px;
  grid-template-columns: 1fr;
}

@media(min-width:768px) {
  .grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media(min-width:1200px) {
  .grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

.bcard {
  background: #fff;
  border: 1px solid var(--stroke);
  border-radius: 12px;
  padding: 12px 12px 12px 44px;
  position: relative;
  transition: transform .16s ease, box-shadow .16s ease, border-color .16s ease;
}

.bcard:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 24px rgba(1, 2, 162, .08);
  border-color: #d7e3ff;
}

.bcard .ic {
  position: absolute;
  left: 10px;
  top: 12px;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  font-size: 12px;
  font-weight: 800;
  background: #eaf4ff;
  color: var(--fc-blue);
  border: 1px solid #d7eaff;
}

.btitle {
  margin: 0 0 2px;
  font-size: 15px;
  color: var(--ink);
  font-weight: 800;
}

.btxt {
  margin: 0;
  font-size: 13px;
  color: #64748b;
  line-height: 1.5;
}

/* Timeline */
.timeline {
  display: grid;
  gap: 8px;
  margin-top: 4px;
}

.tstep {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 10px;
  align-items: start;
  background: #fff;
  border: 1px solid var(--stroke);
  border-radius: 12px;
  padding: 10px;
}

.num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #fff;
  border: 2px solid #cfe0ff;
  color: #0102a2;
  font-weight: 800;
  font-size: 12px;
}

.tstep b {
  color: #0f172a;
  font-size: 14px;
  display: block;
  margin: 0 0 2px;
}

.tstep p {
  margin: 0;
  color: #64748b;
  font-size: 13px;
  line-height: 1.45;
}

@media(min-width:992px) {
  .timeline {
    grid-template-columns: repeat(5, 1fr);
  }

  .tstep {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .num {
    margin: 0 auto 6px;
  }
}

/* Mini comparison table */
.fcTable-mini {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1px solid #e8edff;
  border-radius: 12px;
  overflow: hidden;
  margin-top: 8px;
}

.fcTable-mini th,
.fcTable-mini td {
  padding: 10px 12px;
  font-size: 14px;
}

.fcTable-mini thead th {
  background: #eef3ff;
  color: #0102a2;
}

.fcTable-mini tbody tr+tr td {
  border-top: 1px solid #eef2ff;
}