.msme-sec *, .msme-sec *::before, .msme-sec *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

/* ── CSS Variables ── */
.msme-sec {
  --ms-brand:        #1A56DB;
  --ms-brand-light:  #EFF6FF;
  --ms-brand-mid:    #DBEAFE;
  --ms-brand-dark:   #1E3A8A;
  --ms-accent:       #8db2e2;
  --ms-accent-light: #ecf6fd;
  --ms-accent-dark:  #8db2e2;
  --ms-warn:         #D97706;
  --ms-warn-light:   #FFFBEB;
  --ms-surface:      #FFFFFF;
  --ms-bg:           #F0F4FF;
  --ms-bg2:          #E8F0FE;
  --ms-text:         #111827;
  --ms-text2:        #374151;
  --ms-text3:        #6B7280;
  --ms-border:       #E5E7EB;
  --ms-border2:      #C7D2FE;
  --ms-radius:       16px;
  --ms-radius-sm:    10px;
  --ms-radius-xs:    6px;
  --ms-shadow:       0 1px 3px rgba(0,0,0,.08), 0 8px 24px rgba(26,86,219,.07);
  --ms-shadow-sm:    0 1px 2px rgba(0,0,0,.05);
  font-family: "Figtree", sans-serif;
  margin-top: -50px;
}

/* ── Section wrapper ── */
.msme-sec .ms-section {
  position: relative;
  background: linear-gradient(160deg, #F0F4FF 0%, #EEF2FF 40%, #f0f3fd 100%);
  padding: 80px 24px 100px;
  overflow: hidden;
  border-radius: 32px;
  margin: 40px 0 0 40px;
}

/* ── Animated blobs ── */
.msme-sec .ms-bg-blobs {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
  z-index: 0;
}
.msme-sec .ms-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: .18;
  animation: ms-drift 18s ease-in-out infinite alternate;
}
.msme-sec .ms-blob-1 {
  width: 520px; height: 520px;
  background: radial-gradient(circle, #3B82F6, transparent);
  top: -120px; left: -100px;
  animation-duration: 20s;
}
.msme-sec .ms-blob-2 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, #1097b9, transparent);
  bottom: -80px; right: -60px;
  animation-duration: 16s;
  animation-delay: -6s;
}
.msme-sec .ms-blob-3 {
  width: 280px; height: 280px;
  background: radial-gradient(circle, #6366F1, transparent);
  top: 40%; left: 50%;
  animation-duration: 22s;
  animation-delay: -10s;
}
@keyframes ms-drift {
  0%   { transform: translate(0, 0) scale(1); }
  100% { transform: translate(30px, 20px) scale(1.08); }
}

/* ── Dot grid ── */
.msme-sec .ms-dot-grid {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  opacity: .4;
  background-image: radial-gradient(circle, #94A3B8 1px, transparent 1px);
  background-size: 28px 28px;
}

/* ── Floating particles ── */
.msme-sec .ms-particle {
  position: absolute;
  border-radius: 50%;
  animation: ms-float-up linear infinite;
  pointer-events: none;
  z-index: 0;
}
@keyframes ms-float-up {
  0%   { transform: translateY(0) scale(1); opacity: .6; }
  100% { transform: translateY(-900px) scale(.4); opacity: 0; }
}

/* ── Inner container ── */
.msme-sec .ms-inner {
  position: relative;
  z-index: 1;
  max-width: 1080px;
  margin: 0 auto;
}

/* ── Badge ── */
.msme-sec .ms-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #EEF2FF;
  border: 1.5px solid #C7D2FE;
  color: #4338CA;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}
.msme-sec .ms-badge-dot {
  width: 8px; height: 8px;
  background: #4338CA;
  border-radius: 50%;
  animation: ms-pulse 2s ease-in-out infinite;
}
@keyframes ms-pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .4; transform: scale(.6); }
}

/* ── Header ── */
.msme-sec .ms-header {
  text-align: center;
  margin-bottom: 64px;
}
.msme-sec .ms-headline {
  font-size: clamp(30px, 4.5vw, 50px);
  font-weight: 800;
  line-height: 1.15;
  color: #111827;
  margin-bottom: 16px;
  letter-spacing: -.02em;
}
.msme-sec .ms-headline .ms-hl {
  background: linear-gradient(135deg, #4782A2, #5B9BBF);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.msme-sec .ms-subline {
  font-size: 17px;
  color: #4B5563;
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.65;
  font-weight: 400;
}
.msme-sec .ms-law-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: linear-gradient(90deg, #059669, #10B981);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: 999px;
  margin-top: 16px;
  box-shadow: 0 4px 14px rgba(5,150,105,.28);
}

/* ── Main grid ── */
.msme-sec .ms-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}
@media (max-width: 820px) {
  .msme-sec .ms-grid { grid-template-columns: 1fr; }
}

/* ── Left panel ── */
.msme-sec .ms-panel-left {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

/* ── Feature cards ── */
.msme-sec .ms-feature-card {
  background: rgba(255,255,255,.82);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.9);
  border-radius: var(--ms-radius);
  padding: 22px 24px;
  display: flex;
  align-items: flex-start;
  gap: 18px;
  box-shadow: var(--ms-shadow);
  position: relative;
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease;
  cursor: default;
}
.msme-sec .ms-feature-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 4px 12px rgba(0,0,0,.1), 0 16px 40px rgba(26,86,219,.12);
}
.msme-sec .ms-feature-card::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 4px;
  background: var(--fc-color, #1A56DB);
  border-radius: 4px 0 0 4px;
}
.msme-sec .ms-fc-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--fc-icon-bg, #EFF6FF);
}
.msme-sec .ms-fc-icon svg { width: 24px; height: 24px; }
.msme-sec .ms-fc-content { flex: 1; }
.msme-sec .ms-fc-title {
  font-size: 15px;
  font-weight: 700;
  color: #111827;
  margin-bottom: 5px;
}
.msme-sec .ms-fc-desc {
  font-size: 13.5px;
  color: #6B7280;
  line-height: 1.55;
}
.msme-sec .ms-fc-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .04em;
  padding: 2px 8px;
  border-radius: 999px;
  margin-top: 8px;
  background: var(--fc-badge-bg, #EFF6FF);
  color: var(--fc-badge-text, #1D4ED8);
}

/* ── Slide-in animation ── */
@keyframes ms-slideIn {
  from { opacity: 0; transform: translateX(-12px); }
  to   { opacity: 1; transform: translateX(0); }
}
.msme-sec .ms-slide { animation: ms-slideIn .4s ease both; }

/* ── Right panel ── */
.msme-sec .ms-panel-right {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* ── Tracker card ── */
.msme-sec .ms-tracker-card {
  background: rgba(255,255,255,.88);
  backdrop-filter: blur(12px);
  border: 1px solid #E5E7EB;
  border-radius: var(--ms-radius);
  padding: 28px 28px 24px;
  box-shadow: var(--ms-shadow);
}
.msme-sec .ms-tracker-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}
.msme-sec .ms-tracker-title {
  font-size: 15px;
  font-weight: 700;
  color: #111827;
}
.msme-sec .ms-tracker-live {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 600;
  color: #059669;
  background: #ECFDF5;
  padding: 4px 10px;
  border-radius: 999px;
  border: 1px solid #A7F3D0;
}
.msme-sec .ms-tracker-live span {
  width: 7px; height: 7px;
  background: #10B981;
  border-radius: 50%;
  animation: ms-pulse 1.5s ease-in-out infinite;
}

/* ── Invoice rows ── */
.msme-sec .ms-invoice-rows {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.msme-sec .ms-inv-row {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 12px;
  align-items: center;
  padding: 12px 16px;
  border-radius: 10px;
  background: #F0F4FF;
  border: 1px solid #E5E7EB;
  font-size: 13px;
  animation: ms-slideIn .5s ease both;
}
.msme-sec .ms-inv-vendor { font-weight: 600; color: #111827; }
.msme-sec .ms-inv-amount { font-size: 12px; color: #6B7280; }
.msme-sec .ms-days-bar { display: flex; align-items: center; gap: 8px; }
.msme-sec .ms-bar-track {
  width: 80px; height: 6px;
  background: #E5E7EB;
  border-radius: 999px;
  overflow: hidden;
}
.msme-sec .ms-bar-fill {
  height: 100%;
  border-radius: 999px;
  transition: width .8s cubic-bezier(.4,0,.2,1);
}
.msme-sec .ms-days-label {
  font-size: 12px;
  font-weight: 700;
  min-width: 38px;
  text-align: right;
}
.msme-sec .ms-status-pill {
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 999px;
  white-space: nowrap;
}
.msme-sec .ms-s-safe { background: #ECFDF5; color: #047857; }
.msme-sec .ms-s-warn { background: #FFFBEB; color: #B45309; }
.msme-sec .ms-s-risk { background: #FEF2F2; color: #B91C1C; }

.msme-sec .ms-legend {
  display: flex;
  gap: 16px;
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid #F3F4F6;
}
.msme-sec .ms-legend-item {
  font-size: 11.5px;
  color: #6B7280;
  display: flex;
  align-items: center;
  gap: 5px;
}
.msme-sec .ms-legend-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: #10B981;
  display: inline-block;
}

/* ── Stats row ── */
.msme-sec .ms-stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.msme-sec .ms-stat-card {
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(8px);
  border: 1px solid #E5E7EB;
  border-radius: var(--ms-radius-sm);
  padding: 18px 16px;
  text-align: center;
  box-shadow: var(--ms-shadow-sm);
  position: relative;
  overflow: hidden;
}
.msme-sec .ms-stat-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--sc-color, #1A56DB);
}
.msme-sec .ms-stat-num {
  font-size: 26px;
  font-weight: 800;
  color: #111827;
  line-height: 1;
  margin-bottom: 4px;
}
.msme-sec .ms-stat-label {
  font-size: 11.5px;
  color: #6B7280;
  font-weight: 500;
  line-height: 1.4;
}

/* ── Seal card ── */
.msme-sec .ms-seal-card {
  background: linear-gradient(135deg, #4782A2, #5B9BBF);
  border-radius: var(--ms-radius);
  padding: 28px;
  color: #fff;
  box-shadow: 0 8px 32px rgba(26,86,219,.3);
  position: relative;
  overflow: hidden;
}
.msme-sec .ms-seal-card::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(255,255,255,.06);
}
.msme-sec .ms-seal-card::after {
  content: '';
  position: absolute;
  bottom: -40px; left: -40px;
  width: 160px; height: 160px;
  border-radius: 50%;
  background: rgba(255,255,255,.04);
}
.msme-sec .ms-seal-inner { position: relative; z-index: 1; }
.msme-sec .ms-seal-icon {
  width: 56px; height: 56px;
  background: rgba(255,255,255,.15);
  border: 2px solid rgba(255,255,255,.3);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.msme-sec .ms-seal-title {
  font-size: 18px;
  font-weight: 800;
  margin-bottom: 8px;
  letter-spacing: -.01em;
}
.msme-sec .ms-seal-desc {
  font-size: 13.5px;
  opacity: .82;
  line-height: 1.6;
  margin-bottom: 18px;
}
.msme-sec .ms-seal-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.msme-sec .ms-seal-tag {
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  font-size: 12px;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 999px;
  color: #fff;
}

/* ── CTA ── */
.msme-sec .ms-cta-row {
  text-align: center;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(99,102,241,.15);
}
.msme-sec .ms-cta-headline {
  font-size: 22px;
  font-weight: 800;
  color: #111827;
  margin-bottom: 8px;
}
.msme-sec .ms-cta-sub {
  font-size: 15px;
  color: #6B7280;
  margin-bottom: 28px;
}
.msme-sec .ms-cta-btn {display:inline-flex;align-items:center;gap:8px;padding:15px 40px;border-radius:999px;background:#4782A2;color:#fff;font-family:'Figtree',sans-serif;font-size:15px;font-weight:700;border:none;cursor:pointer;text-decoration:none;position:relative;overflow:hidden;isolation:isolate;transition:transform .22s,box-shadow .22s;box-shadow:0 4px 22px rgba(37,99,235,.35);}
.msme-sec .ms-cta-btn a {
  color: #fff;
}
.msme-sec .ms-cta-btn::before{content:'';position:absolute;top:0;left:-110%;width:55%;height:100%;background:linear-gradient(90deg,transparent,rgba(255,255,255,.3),transparent);transform:skewX(-18deg);transition:left 2s ease;}
.msme-sec .ms-cta-btn:hover{transform:scale(1.05);box-shadow:0 10px 36px rgba(37,99,235,.5);color:#fff;}
.msme-sec .ms-cta-btn:hover::before{left:170%;}
.msme-sec .ms-cta-btn:active{transform:scale(.97);}
.msme-sec .ms-cta-btn svg { width: 18px; height: 18px; }
.msme-sec .ms-cta-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #4782A2;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  background: #EEF2FF;
  border: 1.5px solid #C7D2FE;
  padding: 12px 24px;
  border-radius: 999px;
  margin-left: 12px;
  cursor: pointer;
  transition: background .2s;
}
.msme-sec .ms-cta-ghost a {
  color: #4782A2;
}
.msme-sec .ms-cta-ghost:hover { background: #E0E7FF; }

/* ── Section label ── */
.msme-sec .ms-section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #9CA3AF;
  margin-bottom: 10px;
}