/* ============================================================
   DigiMutual Goals Pvt. Ltd. — Premium Website Stylesheet
   Design: Deep Navy + Gold | Fonts: Fraunces + Inter
   ============================================================ */

/* ---------- Self-hosted fonts (no external dependency) ---------- */
@font-face{font-family:"Inter";font-style:normal;font-weight:400;font-display:swap;src:url("../assets/fonts/inter-latin-400-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:500;font-display:swap;src:url("../assets/fonts/inter-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:600;font-display:swap;src:url("../assets/fonts/inter-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:700;font-display:swap;src:url("../assets/fonts/inter-latin-700-normal.woff2") format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:500;font-display:swap;src:url("../assets/fonts/fraunces-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:600;font-display:swap;src:url("../assets/fonts/fraunces-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:700;font-display:swap;src:url("../assets/fonts/fraunces-latin-700-normal.woff2") format("woff2")}
@font-face{font-family:"Fraunces";font-style:italic;font-weight:500;font-display:swap;src:url("../assets/fonts/fraunces-latin-500-italic.woff2") format("woff2")}
@font-face{font-family:"Fraunces";font-style:italic;font-weight:600;font-display:swap;src:url("../assets/fonts/fraunces-latin-600-italic.woff2") format("woff2")}

:root{
  --navy-950:#10103A;
  --navy-900:#191860;
  --navy-800:#282882;
  --navy-700:#34349B;
  --navy-600:#4646B4;
  --gold-600:#0046AA;
  --gold-500:#1E63C4;
  --gold-400:#78AAE6;
  --gold-300:#B9D8F5;
  --ink:#16233A;
  --muted:#5B6B82;
  --soft:#8494AB;
  --bg:#F5F7FB;
  --bg-2:#EDF1F8;
  --card:#FFFFFF;
  --line:#E3E9F2;
  --green:#1E8E5A;
  --red:#C64545;
  --shadow-sm:0 1px 2px rgba(19,18,64,.06),0 2px 8px rgba(19,18,64,.05);
  --shadow-md:0 6px 24px rgba(19,18,64,.09);
  --shadow-lg:0 18px 50px rgba(19,18,64,.16);
  --radius:16px;
  --radius-sm:10px;
  --container:1180px;
  --font-display:"Fraunces",Georgia,"Times New Roman",serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
html,body{overflow-x:hidden;overflow-x:clip}
body{
  margin:0;
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.65;
  color:var(--ink);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;vertical-align:middle}
a{color:var(--navy-700);text-decoration:none}
a:hover{color:var(--gold-600)}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:600;line-height:1.18;color:var(--navy-900);margin:0 0 .5em}
p{margin:0 0 1em}
ul{margin:0 0 1em;padding-left:1.2em}
.container{max-width:var(--container);margin:0 auto;padding:0 22px}
.section{padding:84px 0}
.section.tight{padding:60px 0}
.section.alt{background:var(--card)}

/* ---------- Kicker / section headings ---------- */
.kicker{
  display:inline-flex;align-items:center;gap:10px;
  font-size:12.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold-600);margin-bottom:14px;
}
.kicker::before{content:"";width:26px;height:2px;background:linear-gradient(90deg,var(--gold-500),var(--gold-300));border-radius:2px}
.section-head{max-width:720px;margin-bottom:44px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .kicker{justify-content:center}
.section-head.center .kicker::after{content:"";width:26px;height:2px;background:linear-gradient(90deg,var(--gold-300),var(--gold-500));border-radius:2px}
.section-head h2{font-size:clamp(28px,4vw,40px);margin-bottom:12px}
.section-head p{color:var(--muted);font-size:17px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:13px 26px;border-radius:999px;font-weight:600;font-size:15px;
  border:1.5px solid transparent;cursor:pointer;transition:.25s ease;
  font-family:var(--font-body);line-height:1.2;white-space:nowrap;
}
.btn svg{flex:none}
.btn-gold{
  background:linear-gradient(135deg,var(--gold-500),var(--gold-600));
  color:#fff;box-shadow:0 8px 22px rgba(0,70,170,.35);
  position:relative;overflow:hidden;
}
.btn-gold::after{
  content:"";position:absolute;top:0;bottom:0;left:-70%;width:44%;
  background:linear-gradient(100deg,transparent,rgba(255,255,255,.38),transparent);
  transform:skewX(-22deg);transition:left .55s ease;pointer-events:none;
}
.btn-gold:hover::after{left:125%}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(0,70,170,.45);color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.45);color:#fff;background:rgba(255,255,255,.04)}
.btn-outline-light:hover{background:rgba(255,255,255,.12);border-color:#fff;color:#fff}
.btn-navy{background:var(--navy-800);color:#fff}
.btn-navy:hover{background:var(--navy-700);color:#fff;transform:translateY(-2px)}
.btn-outline{border-color:var(--navy-800);color:var(--navy-800)}
.btn-outline:hover{background:var(--navy-800);color:#fff}
.btn-whatsapp{background:#1FA855;color:#fff;box-shadow:0 8px 22px rgba(31,168,85,.3)}
.btn-whatsapp:hover{background:#178A45;color:#fff;transform:translateY(-2px)}
.btn.sm{padding:9px 18px;font-size:13.5px}

/* ---------- Brand lockup ---------- */
.brand-logo{height:50px;width:auto;display:block}
.brand-chip{display:inline-block;background:#fff;padding:9px 16px;border-radius:12px;box-shadow:var(--shadow-sm)}
.brand-chip img{height:38px;width:auto;display:block}
@media (max-width:520px){.brand-logo{height:42px}}

.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-text b{font-family:var(--font-display);font-size:21.5px;font-weight:700;color:var(--navy-900);letter-spacing:-.01em}
.brand-text b em{font-style:italic;color:var(--gold-600)}
.brand-text small{font-size:9.5px;font-weight:700;letter-spacing:.17em;color:var(--soft);margin-top:4px}
.brand.on-dark .brand-text b{color:#fff}
.brand.on-dark .brand-text b em{color:var(--gold-400)}
.brand.on-dark .brand-text small{color:#8DA0BB}

/* ---------- Top utility bar ---------- */
.topbar{background:var(--navy-950);color:#B9C4D6;font-size:13px;position:relative;z-index:60}
.topbar-in{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:42px;flex-wrap:wrap;padding:5px 0}
.topbar a{color:#D5DEEC}
.topbar a:hover{color:var(--gold-300)}
.topbar-contact{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.topbar-contact span{display:inline-flex;align-items:center;gap:7px}
.topbar-links{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.topbar-links .tb-btn{
  display:inline-flex;align-items:center;gap:7px;padding:5.5px 14px;border-radius:999px;
  border:1px solid rgba(255,255,255,.22);font-weight:600;font-size:12.5px;transition:.2s;
}
.topbar-links .tb-btn:hover{border-color:var(--gold-400);color:var(--gold-300);background:rgba(70,130,215,.08)}
.topbar-links .tb-btn.gold{background:linear-gradient(135deg,var(--gold-500),var(--gold-600));border-color:transparent;color:#fff}
.topbar-links .tb-btn.gold:hover{filter:brightness(1.08)}
.store-badges{display:inline-flex;gap:6px;align-items:center;margin-right:4px}
.store-badges a{display:inline-flex;align-items:center;gap:5px;font-size:11.5px;border:1px solid rgba(255,255,255,.18);padding:4.5px 10px;border-radius:8px;color:#C4CFDF}
.store-badges a:hover{border-color:var(--gold-400);color:var(--gold-300)}

/* ---------- Header / nav ---------- */
.header{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);
  backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line);
  transition:box-shadow .25s;
}
.header.scrolled{box-shadow:var(--shadow-md)}
.header::after{
  content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;
  background:linear-gradient(90deg,transparent 5%,rgba(0,70,170,.4),rgba(120,170,230,.5),transparent 95%);
  opacity:0;transition:opacity .3s;pointer-events:none;
}
.header.scrolled::after{opacity:1}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px}
.brand img,.brand svg{height:48px;width:auto}
.nav{display:flex;align-items:center;gap:2px}
.nav > a,.nav .drop > button{
  display:inline-flex;align-items:center;gap:5px;padding:10px 11px;border-radius:10px;
  font-weight:600;font-size:14px;color:var(--navy-900);background:none;border:0;cursor:pointer;
  font-family:var(--font-body);transition:.18s;white-space:nowrap;
}
.nav > a:hover,.nav .drop > button:hover,.nav > a.active{color:var(--gold-600);background:#EEF5FD}
.nav > a.active{position:relative}
.drop{position:relative}
.drop > button svg{transition:transform .2s}
.drop.open > button svg{transform:rotate(180deg)}
.drop-menu{
  position:absolute;top:calc(100% + 10px);left:0;min-width:230px;background:#fff;
  border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);
  padding:8px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.22s;z-index:70;
}
.drop.open .drop-menu,.drop:hover .drop-menu{opacity:1;visibility:visible;transform:translateY(0)}
.drop-menu a{display:block;padding:10px 14px;border-radius:9px;font-size:14px;font-weight:500;color:var(--ink)}
.drop-menu a:hover{background:var(--bg);color:var(--gold-600)}
.nav-cta{margin-left:10px}
.nav > a.nav-cta{
  background:linear-gradient(135deg,var(--gold-500),var(--gold-600));color:#fff;
  padding:9px 18px;border-radius:999px;
}
.nav > a.nav-cta:hover{color:#fff;background:linear-gradient(135deg,var(--gold-400),var(--gold-600));transform:translateY(-1px)}
.hamburger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2.5px;background:var(--navy-900);margin:5px 0;border-radius:2px;transition:.25s}

/* ---------- Hero ---------- */
.hero{
  position:relative;color:#fff;overflow:hidden;
  background:
    radial-gradient(1000px 500px at 85% -10%,rgba(70,130,215,.16),transparent 60%),
    radial-gradient(800px 500px at -10% 110%,rgba(26,63,120,.55),transparent 60%),
    linear-gradient(160deg,var(--navy-900) 0%,var(--navy-800) 55%,var(--navy-700) 100%);
}
.hero::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);
  background-size:44px 44px;
  mask-image:radial-gradient(900px 600px at 70% 20%,#000 0%,transparent 75%);
}
.hero::after{
  content:"";position:absolute;width:560px;height:560px;left:-180px;top:-180px;border-radius:50%;
  background:radial-gradient(circle,rgba(70,130,215,.22),transparent 62%);
  animation:orbFloat 12s ease-in-out infinite alternate;pointer-events:none;
}
@keyframes orbFloat{to{transform:translate(70px,60px) scale(1.14)}}
.hero-in{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:88px 0 56px}
.hero .eyebrow{
  display:inline-flex;align-items:center;gap:9px;background:rgba(70,130,215,.13);
  border:1px solid rgba(139,181,235,.4);color:var(--gold-300);
  padding:7px 16px;border-radius:999px;font-size:12.5px;font-weight:600;letter-spacing:.08em;
  text-transform:uppercase;margin-bottom:22px;
}
.hero h1{color:#fff;font-size:clamp(34px,4.6vw,54px);margin-bottom:18px;letter-spacing:-.01em}
.hero h1 em{font-style:italic;color:var(--gold-400)}
.hero .lead{color:#C7D2E4;font-size:18px;max-width:540px;margin-bottom:30px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px}
.trust-chips{display:flex;gap:10px;flex-wrap:wrap}
.trust-chips span{
  display:inline-flex;align-items:center;gap:7px;font-size:13px;color:#D8E1EF;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);
  padding:7px 14px;border-radius:999px;
}
.trust-chips svg{color:var(--gold-400)}

/* Hero visual card */
.hero-visual{position:relative}
.hv-card{
  background:linear-gradient(170deg,rgba(255,255,255,.10),rgba(255,255,255,.05));
  border:1px solid rgba(255,255,255,.16);border-radius:22px;padding:26px 26px 20px;
  box-shadow:var(--shadow-lg);backdrop-filter:blur(6px);
}
.hv-card .hv-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.hv-card .hv-top .t{font-size:13.5px;color:#ADBCD3;font-weight:600}
.hv-card .hv-top .v{font-size:15px;color:var(--gold-300);font-weight:700}
.hv-chip{
  position:absolute;background:#fff;color:var(--navy-900);border-radius:14px;
  padding:12px 18px;box-shadow:var(--shadow-lg);font-size:12.5px;font-weight:600;line-height:1.3;
  display:flex;align-items:center;gap:10px;animation:floaty 5s ease-in-out infinite;
}
.hv-chip .big{display:block;font-size:19px;font-weight:800;font-family:var(--font-display);color:var(--navy-800)}
.hv-chip.c1{top:-22px;right:8%;animation-delay:.4s}
.hv-chip.c2{bottom:-20px;left:-6px;animation-delay:1.2s}
.hv-chip .ic{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;background:#E4EFFB;color:var(--gold-600)}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}

/* ---------- Stats / facts ---------- */
.facts{position:relative;z-index:5;margin-top:-46px}
.facts-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);
  border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--line);
}
.fact{background:#fff;padding:30px 26px;text-align:center;position:relative}
.fact .num{
  font-family:var(--font-display);font-size:clamp(30px,3.4vw,42px);font-weight:700;color:var(--navy-800);
  line-height:1.05;display:flex;align-items:baseline;justify-content:center;gap:2px;
  background:linear-gradient(120deg,var(--navy-800) 30%,var(--gold-600) 90%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.fact .num .suffix{color:var(--gold-500);-webkit-text-fill-color:var(--gold-500);font-size:.72em}
.fact .lbl{color:var(--muted);font-size:13.5px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-top:8px}

/* ---------- About preview ---------- */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.about-grid .list-check{list-style:none;padding:0;margin:18px 0 26px;display:grid;grid-template-columns:1fr 1fr;gap:11px 20px}
.list-check li{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:15px;color:var(--ink)}
.list-check svg{flex:none;margin-top:3px;color:var(--gold-500)}
.about-visual{position:relative}
.about-visual .panel{
  background:linear-gradient(165deg,var(--navy-800),var(--navy-700));border-radius:24px;color:#fff;
  padding:38px 34px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden;
}
.about-visual .panel::after{
  content:"";position:absolute;right:-70px;top:-70px;width:230px;height:230px;border-radius:50%;
  border:34px solid rgba(70,130,215,.16);
}
.about-visual h3{color:#fff;font-size:22px}
.about-visual .mv{margin-bottom:22px;position:relative}
.about-visual .mv .tag{color:var(--gold-300);font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;display:block;margin-bottom:6px}
.about-visual .mv p{color:#C9D4E6;font-size:14.5px;margin:0}

/* ---------- Offer / service cards ---------- */
.cards-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.cards-grid.three{grid-template-columns:repeat(3,1fr)}
.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;transition:.28s ease;position:relative;overflow:hidden;
}
.card::before{
  content:"";position:absolute;left:0;top:0;height:3px;width:0;
  background:linear-gradient(90deg,var(--gold-500),var(--gold-300));transition:.35s;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:#C9DFF5}
.card:hover::before{width:100%}
.card .icon{
  width:54px;height:54px;border-radius:14px;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(140deg,#EDF5FD,#D8E8F9);color:var(--gold-600);margin-bottom:18px;
}
.card h3{font-size:18.5px;margin-bottom:9px}
.card p{color:var(--muted);font-size:14.5px;margin:0}

/* ---------- Goal tiles ---------- */
.goals-band{
  background:
    radial-gradient(700px 380px at 108% 8%,rgba(70,130,215,.14),transparent 60%),
    linear-gradient(160deg,var(--navy-900),var(--navy-800));
  color:#fff;
}
.goals-band .section-head h2,.goals-band .section-head p{color:#fff}
.goals-band .section-head p{color:#BFCBDF}
.goals-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.goal-tile{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;
  padding:26px 14px;text-align:center;color:#E7EDF6;font-weight:600;font-size:14px;transition:.25s;
  display:flex;flex-direction:column;align-items:center;gap:12px;
}
.goal-tile svg{color:var(--gold-400)}
.goal-tile:hover{background:rgba(70,130,215,.14);border-color:var(--gold-400);transform:translateY(-5px);color:#fff}

/* ---------- Calculator UI ---------- */
.calc-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:stretch}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px;box-shadow:var(--shadow-sm)}
.calc-panel h3{font-size:21px}
.field{margin-bottom:26px}
.field-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;gap:12px}
.field-head label{font-weight:600;font-size:14.5px;color:var(--ink)}
.field-head .val{
  display:inline-flex;align-items:center;gap:2px;background:#EEF5FD;border:1px solid #C9DFF5;
  color:var(--gold-600);border-radius:9px;padding:5px 8px;font-weight:700;font-size:14px;
}
.field-head .val input{
  width:92px;border:0;background:none;font:inherit;color:inherit;text-align:right;outline:none;padding:0;
}
input[type=range]{
  width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:6px;outline:none;
  background:linear-gradient(90deg,var(--gold-500) var(--fill,50%),#E4E9F1 var(--fill,50%));
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;cursor:pointer;
  border:3px solid var(--gold-500);box-shadow:0 2px 8px rgba(0,0,0,.2);
}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;cursor:pointer;border:3px solid var(--gold-500)}
.range-limits{display:flex;justify-content:space-between;font-size:11.5px;color:var(--soft);margin-top:6px}

.calc-result{
  background:linear-gradient(165deg,var(--navy-900),var(--navy-700));border-radius:20px;color:#fff;
  padding:34px;display:flex;flex-direction:column;box-shadow:var(--shadow-lg);position:relative;overflow:hidden;
}
.calc-result::before{content:"";position:absolute;right:-80px;bottom:-80px;width:260px;height:260px;border-radius:50%;border:40px solid rgba(70,130,215,.12)}
.calc-result h3{color:#fff;font-size:20px;margin-bottom:22px}
.res-rows{display:grid;gap:12px;margin-bottom:24px;position:relative}
.res-row{display:flex;justify-content:space-between;align-items:center;gap:14px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);padding:13px 18px;border-radius:12px}
.res-row .k{color:#B9C6DB;font-size:13.5px;font-weight:500}
.res-row .v{font-weight:700;font-size:17px;letter-spacing:.01em}
.res-row.hl{background:rgba(70,130,215,.16);border-color:rgba(139,181,235,.5)}
.res-row.hl .v{color:var(--gold-300);font-size:20px;font-family:var(--font-display)}
.donut-area{display:flex;align-items:center;gap:22px;margin-top:auto;position:relative}
.donut-legend{display:grid;gap:9px;font-size:13px;color:#C7D2E4}
.donut-legend span{display:flex;align-items:center;gap:8px}
.donut-legend i{width:11px;height:11px;border-radius:3px;display:inline-block}
.calc-note{font-size:11.5px;color:#8FA0BA;margin-top:18px;position:relative}

/* ---------- Calculators page layout ---------- */
.calc-layout{display:grid;grid-template-columns:290px 1fr;gap:34px;align-items:start}
.calc-menu{position:sticky;top:100px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;max-height:calc(100vh - 130px);overflow:auto}
.calc-menu .group{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--soft);font-weight:700;padding:14px 12px 7px}
.calc-menu a{display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:10px;font-size:14px;font-weight:500;color:var(--ink)}
.calc-menu a svg{color:var(--gold-500);flex:none}
.calc-menu a:hover{background:var(--bg)}
.calc-menu a.active{background:linear-gradient(135deg,var(--navy-800),var(--navy-700));color:#fff}
.calc-menu a.active svg{color:var(--gold-400)}
.calc-app .calc-wrap{grid-template-columns:1fr 1fr}
.calc-app section[data-calc]{display:none}
.calc-app section[data-calc].visible{display:block}
.calc-app .calc-title{margin-bottom:24px}
.calc-app .calc-title h2{font-size:26px;margin-bottom:6px}
.calc-app .calc-title p{color:var(--muted);font-size:15px;margin:0}

/* ---------- Testimonial ---------- */
.testi{
  background:linear-gradient(#fff,#fff) padding-box,linear-gradient(135deg,#C9DFF5,#EEF5FD 45%,#B9D8F5) border-box;
  border:1.5px solid transparent;border-radius:22px;padding:44px;
  max-width:860px;margin:0 auto;text-align:center;position:relative;box-shadow:var(--shadow-sm);
}
.testi .quote-mark{
  width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--gold-500),var(--gold-600));
  color:#fff;display:flex;align-items:center;justify-content:center;position:absolute;top:-26px;left:50%;transform:translateX(-50%);
  font-family:var(--font-display);font-size:30px;box-shadow:0 8px 20px rgba(0,70,170,.4);
}
.testi blockquote{font-family:var(--font-display);font-size:clamp(17px,2.2vw,21px);font-style:italic;color:var(--navy-800);margin:14px 0 22px;line-height:1.55}
.testi .who{font-weight:700;color:var(--navy-900)}
.testi .who small{display:block;font-weight:500;color:var(--gold-600);font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin-top:3px}
.stars{color:var(--gold-500);letter-spacing:3px;font-size:15px;margin-bottom:6px}

/* ---------- CTA band ---------- */
.cta-band{
  background:
    radial-gradient(600px 300px at 12% 120%,rgba(70,130,215,.22),transparent 60%),
    linear-gradient(150deg,var(--navy-900),var(--navy-700));
  border-radius:26px;color:#fff;padding:58px 54px;display:flex;align-items:center;justify-content:space-between;gap:30px;
  box-shadow:var(--shadow-lg);position:relative;overflow:hidden;
}
.cta-band::after{content:"";position:absolute;right:-60px;top:-90px;width:240px;height:240px;border-radius:50%;border:36px solid rgba(255,255,255,.06)}
.cta-band h2{color:#fff;font-size:clamp(24px,3vw,34px);margin-bottom:8px}
.cta-band p{color:#C4D0E3;margin:0;max-width:520px}
.cta-band .actions{display:flex;gap:14px;flex-wrap:wrap;position:relative}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{
  background:
    radial-gradient(700px 300px at 90% -20%,rgba(70,130,215,.18),transparent 60%),
    linear-gradient(155deg,var(--navy-900),var(--navy-700));
  color:#fff;padding:72px 0 64px;position:relative;overflow:hidden;
}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
  background-size:40px 40px;mask-image:radial-gradient(700px 400px at 80% 30%,#000,transparent 75%);
}
.page-hero::after{
  content:"";position:absolute;width:380px;height:380px;right:-100px;top:-140px;border-radius:50%;
  background:radial-gradient(circle,rgba(120,170,230,.22),transparent 62%);
  animation:orbFloat 10s ease-in-out infinite alternate;pointer-events:none;
}
.page-hero .container{position:relative;z-index:1}
.page-hero h1{color:#fff;font-size:clamp(30px,4vw,44px);margin:0 0 10px;position:relative}
.page-hero p{color:#C7D2E4;max-width:640px;margin:0;font-size:16.5px;position:relative}
.crumbs{position:relative;font-size:13px;color:#9DAcC5;margin-bottom:14px;font-weight:500}
.crumbs a{color:var(--gold-300)}
.crumbs span::before{content:"/";margin:0 8px;color:#5F7194}

/* ---------- Content / prose ---------- */
.prose{max-width:840px}
.prose h2{font-size:26px;margin-top:38px}
.prose h3{font-size:20px;margin-top:28px}
.prose p,.prose li{color:#3D4C63;font-size:15.5px}
.prose li{margin-bottom:7px}
.prose .lead-p{font-size:17.5px;color:var(--ink)}

/* ---------- Feature / detail blocks (services & products) ---------- */
.detail-grid{display:grid;gap:26px}
.detail-grid.two{grid-template-columns:1fr 1fr}
.detail-card{
  background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;
  display:grid;grid-template-columns:64px 1fr;gap:24px;transition:.25s;
}
.detail-card:hover{box-shadow:var(--shadow-md);border-color:#C9DFF5}
.detail-card .icon{
  width:64px;height:64px;border-radius:16px;background:linear-gradient(140deg,var(--navy-800),var(--navy-600));
  color:var(--gold-400);display:flex;align-items:center;justify-content:center;
}
.detail-card h3{font-size:21px;margin-bottom:8px}
.detail-card .desc{color:var(--muted);font-size:15px;margin-bottom:16px}
.detail-card .cols{display:grid;grid-template-columns:1fr 1fr;gap:8px 26px}
.detail-card .cols ul{margin:0;padding:0;list-style:none}
.detail-card .cols li{display:flex;gap:9px;align-items:flex-start;font-size:14.5px;color:#3D4C63;padding:4.5px 0}
.detail-card .cols li svg{flex:none;margin-top:4px;color:var(--gold-500)}
.detail-card .subhead{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-600);margin:10px 0 8px}
.perfect-for{
  margin-top:14px;display:inline-flex;align-items:flex-start;gap:9px;background:#EEF5FD;border:1px solid #C9DFF5;
  border-radius:11px;padding:10px 16px;font-size:13.5px;color:#17498F;font-weight:500;
}
.perfect-for b{color:var(--gold-600)}

/* ---------- Team ---------- */
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.person{
  background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 22px;text-align:center;transition:.25s;
}
.person:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.person .avatar{
  width:84px;height:84px;border-radius:50%;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:28px;font-weight:700;color:#fff;
  background:linear-gradient(140deg,var(--navy-700),var(--navy-600));
  border:3px solid var(--gold-400);box-shadow:0 6px 16px rgba(19,18,64,.18);
}
.person h3{font-size:17px;margin-bottom:4px}
.person .role{color:var(--gold-600);font-size:13px;font-weight:600;letter-spacing:.02em}
.person .quali{color:var(--soft);font-size:12.5px;margin-top:3px}

.director-card{
  background:#fff;border:1px solid var(--line);border-radius:22px;padding:40px;display:grid;
  grid-template-columns:120px 1fr;gap:28px;align-items:start;transition:.25s;
}
.director-card:hover{box-shadow:var(--shadow-md)}
.director-card .avatar{
  width:120px;height:120px;border-radius:24px;display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:40px;font-weight:700;color:#fff;
  background:linear-gradient(140deg,var(--navy-800),var(--navy-600));border:3px solid var(--gold-400);
}
.director-card h3{font-size:24px;margin-bottom:2px}
.director-card .role{color:var(--gold-600);font-weight:600;font-size:14px;margin-bottom:14px}
.director-card ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.director-card li{display:flex;gap:10px;align-items:flex-start;color:#3D4C63;font-size:15px}
.director-card li svg{flex:none;margin-top:4px;color:var(--gold-500)}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:44px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px 26px;text-align:center;transition:.25s}
.contact-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.contact-card .icon{
  width:58px;height:58px;border-radius:16px;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(140deg,var(--navy-800),var(--navy-600));color:var(--gold-400);
}
.contact-card h3{font-size:18px;margin-bottom:8px}
.contact-card p,.contact-card a{display:block;color:var(--muted);font-size:15px;margin:0 0 4px;font-weight:500}
.contact-card a:hover{color:var(--gold-600)}
.contact-bottom{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:stretch}
.map-frame{border:1px solid var(--line);border-radius:20px;overflow:hidden;min-height:420px;box-shadow:var(--shadow-sm);background:#fff}
.map-frame iframe{width:100%;height:100%;min-height:420px;border:0;display:block}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:var(--shadow-sm)}
.form-card h3{font-size:22px;margin-bottom:6px}
.form-card .sub{color:var(--muted);font-size:14.5px;margin-bottom:24px}
.input-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.input-grp{margin-bottom:16px}
.input-grp label{display:block;font-size:13px;font-weight:600;margin-bottom:7px;color:var(--ink)}
.input-grp input,.input-grp select,.input-grp textarea{
  width:100%;padding:12px 15px;border:1.5px solid var(--line);border-radius:11px;font:inherit;font-size:14.5px;
  color:var(--ink);background:var(--bg);outline:none;transition:.2s;
}
.input-grp input:focus,.input-grp select:focus,.input-grp textarea:focus{border-color:var(--gold-500);background:#fff;box-shadow:0 0 0 3px rgba(70,130,215,.14)}
.input-grp textarea{resize:vertical;min-height:100px}
.form-note{font-size:12px;color:var(--soft);margin-top:12px}

/* ---------- Tables (disclosure) ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow-sm)}
table.nice{width:100%;border-collapse:collapse;font-size:14.5px;min-width:480px}
table.nice th{
  background:linear-gradient(135deg,var(--navy-800),var(--navy-700));color:#fff;text-align:left;
  padding:14px 20px;font-weight:600;font-size:13px;letter-spacing:.08em;text-transform:uppercase;
}
table.nice td{padding:13px 20px;border-top:1px solid var(--line);color:#3D4C63}
table.nice tr:nth-child(even) td{background:#FAFBFE}
table.nice td:last-child{font-weight:600;color:var(--navy-800);white-space:nowrap}

/* ---------- Links page ---------- */
.links-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.links-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}
.links-card h2{font-size:19px;display:flex;align-items:center;gap:11px;margin-bottom:16px}
.links-card h2 svg{color:var(--gold-500);flex:none}
.links-card ul{list-style:none;margin:0;padding:0;columns:1}
.links-card.wide{grid-column:1/-1}
.links-card.wide ul{columns:2;column-gap:34px}
.links-card li{break-inside:avoid;border-bottom:1px dashed var(--line);padding:8px 2px}
.links-card li:last-child{border-bottom:0}
.links-card a{font-size:14px;color:#3D4C63;display:flex;align-items:center;gap:8px}
.links-card a:hover{color:var(--gold-600)}
.links-card a::before{content:"";width:5px;height:5px;border-radius:50%;background:var(--gold-500);flex:none}

/* ---------- Blog listing & articles ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.blog-card{
  background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;display:flex;flex-direction:column;
  transition:.28s ease;
}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:#C9DFF5}
.blog-card .bc-top{
  height:120px;background:linear-gradient(150deg,var(--navy-800),var(--navy-600));position:relative;overflow:hidden;
  display:flex;align-items:flex-end;padding:16px 22px;
}
.blog-card .bc-top::after{content:"";position:absolute;right:-40px;top:-40px;width:140px;height:140px;border-radius:50%;border:22px solid rgba(70,130,215,.25)}
.blog-card .bc-cat{
  position:relative;background:rgba(70,130,215,.2);border:1px solid rgba(139,181,235,.5);color:var(--gold-300);
  font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 12px;border-radius:999px;
}
.blog-card .bc-body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.blog-card .bc-date{font-size:12.5px;color:var(--soft);font-weight:600;margin-bottom:8px;display:flex;align-items:center;gap:7px}
.blog-card .bc-date svg{color:var(--gold-500)}
.blog-card h3{font-size:17.5px;line-height:1.35;margin-bottom:10px}
.blog-card h3 a{color:var(--navy-900)}
.blog-card h3 a:hover{color:var(--gold-600)}
.blog-card p{color:var(--muted);font-size:13.5px;flex:1}
.blog-card .bc-link{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:13.5px;color:var(--gold-600);margin-top:6px}
.blog-card .bc-link:hover{gap:11px}

.article-wrap{max-width:800px;margin:0 auto}
.article-meta{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:10px}
.article-meta .chip{
  display:inline-flex;align-items:center;gap:7px;background:rgba(70,130,215,.13);border:1px solid rgba(139,181,235,.4);
  color:var(--gold-300);padding:6px 14px;border-radius:999px;font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
}
.article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(28px,5vw,56px);box-shadow:var(--shadow-sm)}
.article p{color:#3D4C63;font-size:16px;line-height:1.8;margin-bottom:1.15em}
.article h2{font-size:24px;margin:1.7em 0 .6em;padding-top:.4em;border-top:1px solid var(--line)}
.article h2:first-child{margin-top:0;border-top:0;padding-top:0}
.article h3{font-size:17.5px;color:var(--gold-600);margin:1.3em 0 .5em}
.article .attr{font-family:var(--font-display);font-style:italic;color:var(--navy-700);font-size:16.5px;margin:-.4em 0 1.2em}
.article .edu-note{
  margin-top:34px;background:#EEF5FD;border:1px solid #C9DFF5;border-radius:14px;padding:16px 20px;
  font-size:13px;color:#17498F;line-height:1.65;
}
.article-nav{display:flex;justify-content:space-between;gap:14px;margin-top:28px;flex-wrap:wrap}

/* ---------- Downloads table ---------- */
.dl-list{display:grid;gap:14px}
.dl-item{
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;display:flex;align-items:center;gap:16px;
  transition:.2s;
}
.dl-item:hover{border-color:#C9DFF5;box-shadow:var(--shadow-sm)}
.dl-item .ic{width:44px;height:44px;border-radius:11px;background:linear-gradient(140deg,#EDF5FD,#D8E8F9);color:var(--gold-600);display:flex;align-items:center;justify-content:center;flex:none}
.dl-item b{font-size:15px;color:var(--navy-900);display:block}
.dl-item span{font-size:12.5px;color:var(--soft)}
.dl-item .btn{margin-left:auto;flex:none}

@media (max-width:1080px){.blog-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:700px){.blog-grid{grid-template-columns:1fr}.dl-item{flex-wrap:wrap}.dl-item .btn{margin-left:0}}

/* ---------- Footer ---------- */
.footer{background:var(--navy-950);color:#A9B7CC;font-size:14px;margin-top:0}
.footer a{color:#C3CEDF}
.footer a:hover{color:var(--gold-300)}
.footer-top{display:grid;grid-template-columns:1.35fr 1fr 1fr 1.2fr;gap:40px;padding:64px 0 44px}
.footer h4{color:#fff;font-family:var(--font-body);font-size:14px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.footer .f-brand svg{height:46px;width:auto;margin-bottom:16px}
.footer .f-brand p{font-size:13.5px;line-height:1.7;color:#8DA0BB}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.footer ul a{display:inline-flex;align-items:center;gap:8px;font-size:13.5px}
.footer ul a::before{content:"";width:4px;height:4px;border-radius:50%;background:var(--gold-500)}
.f-contact li{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;line-height:1.6}
.f-contact svg{flex:none;margin-top:3px;color:var(--gold-400)}
.f-badge{
  margin-top:18px;display:inline-flex;align-items:center;gap:9px;background:rgba(70,130,215,.1);
  border:1px solid rgba(70,130,215,.35);color:var(--gold-300);padding:8px 14px;border-radius:10px;
  font-size:12px;font-weight:600;
}
.footer-risk{border-top:1px solid rgba(255,255,255,.09);padding:26px 0;font-size:12px;line-height:1.75;color:#7E92AE}
.footer-risk b{color:#A9B7CC}
.footer-arn{font-size:12.5px;color:#9FB0C8;padding-bottom:4px;font-weight:500}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.09);padding:20px 0 26px;display:flex;justify-content:space-between;
  gap:14px;flex-wrap:wrap;font-size:12.5px;color:#7E92AE;
}
.footer-bottom .links{display:flex;gap:7px;flex-wrap:wrap;align-items:center}
.footer-bottom .links a{font-size:12.5px}
.footer-bottom .links span{color:#3D5271}

/* ---------- WhatsApp widget ---------- */
.wa-fab{
  position:fixed;right:22px;bottom:22px;z-index:90;width:60px;height:60px;border-radius:50%;
  background:#1FA855;display:flex;align-items:center;justify-content:center;color:#fff;cursor:pointer;
  box-shadow:0 10px 28px rgba(31,168,85,.45);border:0;transition:.25s;
}
.wa-fab:hover{transform:scale(1.08)}
.wa-fab .pulse{position:absolute;inset:0;border-radius:50%;border:2px solid #1FA855;animation:pulse 2s infinite}
@keyframes pulse{0%{transform:scale(1);opacity:.8}100%{transform:scale(1.55);opacity:0}}
.wa-panel{
  position:fixed;right:22px;bottom:94px;z-index:90;width:320px;background:#fff;border-radius:18px;
  box-shadow:var(--shadow-lg);overflow:hidden;transform:translateY(14px) scale(.97);opacity:0;visibility:hidden;transition:.28s;
  border:1px solid var(--line);
}
.wa-panel.open{transform:none;opacity:1;visibility:visible}
.wa-head{background:linear-gradient(140deg,var(--navy-900),var(--navy-700));color:#fff;padding:20px 22px}
.wa-head b{display:block;font-size:15.5px}
.wa-head span{font-size:12.5px;color:#B9C6DB}
.wa-list{padding:14px}
.wa-contact{
  display:flex;align-items:center;gap:13px;padding:12px 14px;border-radius:13px;border:1px solid var(--line);
  margin-bottom:10px;transition:.2s;
}
.wa-contact:hover{border-color:#1FA855;background:#F2FBF6}
.wa-contact .av{
  width:44px;height:44px;border-radius:50%;background:linear-gradient(140deg,var(--navy-700),var(--navy-600));
  color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex:none;
  border:2px solid var(--gold-400);
}
.wa-contact .in b{display:block;font-size:14px;color:var(--ink)}
.wa-contact .in span{font-size:12px;color:var(--green);display:inline-flex;align-items:center;gap:5px}
.wa-contact .in span::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--green)}
.wa-contact svg{margin-left:auto;color:#1FA855}
.wa-note{font-size:11px;color:var(--soft);text-align:center;padding:2px 14px 12px}

/* ---------- Announcement popup (admin panel se on/off) ---------- */
.popup-overlay{
  position:fixed;inset:0;z-index:200;background:rgba(16,16,58,.55);backdrop-filter:blur(4px);
  display:flex;align-items:center;justify-content:center;padding:22px;opacity:0;transition:.3s;
}
.popup-overlay.show{opacity:1}
.popup-box{
  background:#fff;border-radius:22px;max-width:440px;width:100%;padding:38px 34px 34px;position:relative;
  box-shadow:var(--shadow-lg);text-align:center;transform:translateY(14px) scale(.97);transition:.3s;
  border-top:5px solid var(--gold-500);
}
.popup-overlay.show .popup-box{transform:none}
.popup-box h3{font-size:23px;margin-bottom:10px}
.popup-box p{color:var(--muted);font-size:15px;margin-bottom:20px}
.popup-close{
  position:absolute;top:12px;right:14px;width:34px;height:34px;border-radius:50%;border:0;cursor:pointer;
  background:var(--bg);color:var(--ink);font-size:20px;line-height:1;
}
.popup-close:hover{background:var(--bg-2)}

/* ---------- Reveal animations (keyframes — hover transitions stay snappy) ---------- */
.reveal{opacity:0}
.reveal.in{animation:rise .7s cubic-bezier(.22,.7,.3,1) both;animation-delay:var(--rd,0ms)}
@keyframes rise{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1}
  .reveal.in{animation:none}
  .hv-chip{animation:none}
}

/* ---------- Back to top ---------- */
.to-top{
  position:fixed;left:22px;bottom:22px;z-index:80;width:46px;height:46px;border-radius:12px;border:0;cursor:pointer;
  background:var(--navy-800);color:var(--gold-300);display:flex;align-items:center;justify-content:center;
  opacity:0;visibility:hidden;transition:.3s;box-shadow:var(--shadow-md);
}
.to-top.show{opacity:1;visibility:visible}
.to-top:hover{background:var(--navy-700)}

/* ---------- Responsive ---------- */
@media (max-width:1080px){
  .cards-grid{grid-template-columns:repeat(2,1fr)}
  .goals-grid{grid-template-columns:repeat(3,1fr)}
  .team-grid{grid-template-columns:repeat(3,1fr)}
  .hero-in{grid-template-columns:1fr;padding:66px 0 52px;gap:56px}
  .hero .lead{max-width:100%}
  .hero-visual{max-width:560px}
  .calc-layout{grid-template-columns:1fr}
  .calc-menu{position:static;max-height:none;display:grid;grid-template-columns:1fr 1fr}
  .calc-menu .group{grid-column:1/-1}
  .footer-top{grid-template-columns:1fr 1fr;gap:34px}
}
@media (max-width:860px){
  .section{padding:60px 0}
  /* backdrop-filter would make .header the containing block for the fixed drawer */
  .header{backdrop-filter:none;background:#fff}
  .nav{
    position:fixed;inset:0 0 0 auto;width:min(340px,86vw);background:#fff;flex-direction:column;align-items:stretch;
    padding:90px 26px 40px;gap:6px;transform:translateX(100%);transition:transform .32s,visibility .32s;box-shadow:var(--shadow-lg);z-index:55;overflow:auto;
    visibility:hidden;
  }
  .nav.open{transform:none;visibility:visible}
  .nav > a,.nav .drop > button{width:100%;justify-content:space-between;font-size:16px;padding:13px 14px}
  .drop-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 4px 14px;display:none;min-width:0}
  .drop.open .drop-menu{display:block}
  .drop:hover .drop-menu{display:none}
  .drop.open:hover .drop-menu{display:block}
  .nav-cta{margin:14px 0 0}
  .hamburger{display:block;z-index:60;position:relative}
  .hamburger.active span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .hamburger.active span:nth-child(2){opacity:0}
  .hamburger.active span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .about-grid,.calc-wrap,.calc-app .calc-wrap,.contact-bottom,.detail-grid.two{grid-template-columns:1fr}
  .facts-grid{grid-template-columns:1fr 1fr}
  .detail-card{grid-template-columns:1fr;padding:28px}
  .detail-card .cols{grid-template-columns:1fr}
  .director-card{grid-template-columns:1fr;text-align:center}
  .director-card .avatar{margin:0 auto}
  .director-card li{text-align:left}
  .contact-grid{grid-template-columns:1fr}
  .links-grid{grid-template-columns:1fr}
  .links-card.wide ul{columns:1}
  .cta-band{flex-direction:column;text-align:center;padding:44px 28px}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .goals-grid{grid-template-columns:repeat(2,1fr)}
  .input-row{grid-template-columns:1fr}
  .topbar-in{justify-content:center}
  .topbar-contact{display:none}
  .calc-menu{grid-template-columns:1fr}
}
@media (max-width:520px){
  .cards-grid{grid-template-columns:1fr}
  .facts-grid{grid-template-columns:1fr 1fr}
  .fact{padding:22px 12px}
  .team-grid{grid-template-columns:1fr}
  .hero-ctas .btn{width:100%}
  .hv-chip.c1{right:0}
  .store-badges{display:none}
}

/* ============================================================
   FINTECH UPGRADE LAYER — progress bar, marquee, cursor glow,
   hero chart, live NAV checker
   ============================================================ */

/* ---------- Reading progress bar ---------- */
#scroll-progress{
  position:fixed;top:0;left:0;right:0;height:3px;z-index:120;
  background:linear-gradient(90deg,var(--navy-800),var(--gold-500) 55%,var(--gold-400));
  transform-origin:0 50%;transform:scaleX(0);pointer-events:none;
}

/* ---------- Cursor-follow glow on cards ---------- */
.card,.goal-tile,.blog-card,.detail-card,.contact-card,.person,.links-card,.dl-item,.fact{position:relative}
.card::after,.blog-card::after,.detail-card::after,.contact-card::after,.person::after,.links-card::after,.dl-item::after,.fact::after{
  content:"";position:absolute;inset:0;border-radius:inherit;opacity:0;transition:opacity .35s;pointer-events:none;z-index:2;
  background:radial-gradient(240px circle at var(--mx,50%) var(--my,40%),rgba(70,130,215,.14),transparent 65%);
}
.card:hover::after,.blog-card:hover::after,.detail-card:hover::after,.contact-card:hover::after,
.person:hover::after,.links-card:hover::after,.dl-item:hover::after,.fact:hover::after{opacity:1}
.goal-tile::after{
  content:"";position:absolute;inset:0;border-radius:inherit;opacity:0;transition:opacity .35s;pointer-events:none;
  background:radial-gradient(200px circle at var(--mx,50%) var(--my,40%),rgba(120,170,230,.25),transparent 65%);
}
.goal-tile{position:relative;overflow:hidden}
.goal-tile:hover::after{opacity:1}

/* ---------- Hero visual: chart caption + mini stats ---------- */
.hv-card .hv-top .v{font-variant-numeric:tabular-nums;min-width:96px;text-align:right}
.hv-mini{
  display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap;
  margin-top:12px;padding-top:14px;border-top:1px solid rgba(255,255,255,.12);
}
.hv-mini .s{font-size:12.5px;color:#ADBCD3;font-weight:600;display:inline-flex;align-items:center;gap:7px}
.hv-mini .s b{color:#fff;font-weight:700}
.hv-mini .s .dot{width:7px;height:7px;border-radius:50%;background:var(--gold-400);display:inline-block}
.hv-foot{font-size:10.5px;color:#7E92AE;margin:12px 0 0;padding-left:176px;text-align:right;min-height:30px}
@media (max-width:640px){.hv-foot{padding-left:0;text-align:left;margin-top:12px;padding-bottom:36px;min-height:0}}

/* ---------- Trusted partners marquee (hero bottom) ---------- */
.hero-marquee{position:relative;z-index:1;border-top:1px solid rgba(255,255,255,.1);padding:28px 0 96px}
.hm-label{
  text-align:center;font-size:10.5px;letter-spacing:.24em;color:#8DA0BB;font-weight:700;
  text-transform:uppercase;margin:0 22px 20px;
}
.marquee{
  overflow:hidden;position:relative;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);
}
.marquee + .marquee{margin-top:16px}
.mq-track{display:flex;width:max-content;animation:mq 52s linear infinite}
.marquee.rev .mq-track{animation-direction:reverse;animation-duration:44s}
.marquee:hover .mq-track{animation-play-state:paused}
.mq-track span{
  display:inline-flex;align-items:center;gap:9px;padding:0 24px;
  font-size:13.5px;font-weight:600;color:#AFBDD3;white-space:nowrap;transition:color .2s;
}
.mq-track span:hover{color:#fff}
.mq-track span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold-500);opacity:.85;flex:none}
.marquee.rev .mq-track span::before{background:#3F8E68}
@keyframes mq{to{transform:translateX(-50%)}}

/* ---------- Live NAV checker ---------- */
.nav-checker{
  background:
    radial-gradient(700px 320px at 92% -30%,rgba(70,130,215,.22),transparent 60%),
    linear-gradient(150deg,var(--navy-950),var(--navy-800));
  border:1px solid rgba(139,181,235,.28);border-radius:24px;padding:34px;color:#fff;
  box-shadow:var(--shadow-lg);position:relative;
}
.nav-checker.compact{padding:26px 28px}
.nc-search{
  position:relative;display:flex;align-items:center;gap:12px;
  background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.18);border-radius:16px;
  padding:2px 18px;transition:.25s;
}
.nc-search:focus-within{border-color:var(--gold-400);background:rgba(255,255,255,.10);box-shadow:0 0 0 4px rgba(70,130,215,.18)}
.nc-search > svg{color:var(--gold-400);flex:none}
.nc-input{flex:1;background:none;border:0;outline:none;color:#fff;font:inherit;font-size:15.5px;padding:14px 0;min-width:0}
.nc-input::placeholder{color:#8DA0BB}
.nc-spin{width:18px;height:18px;border:2.5px solid rgba(255,255,255,.25);border-top-color:var(--gold-400);border-radius:50%;animation:ncspin .7s linear infinite;flex:none}
@keyframes ncspin{to{transform:rotate(360deg)}}
.nc-sugg{
  position:absolute;top:calc(100% + 10px);left:0;right:0;background:#14143F;
  border:1px solid rgba(139,181,235,.32);border-radius:16px;box-shadow:var(--shadow-lg);
  z-index:40;overflow:hidden;overflow-y:auto;max-height:324px;
}
.nc-sugg button{
  display:block;width:100%;text-align:left;background:none;border:0;color:#D5DEEC;cursor:pointer;
  font-family:var(--font-body);font-size:14px;line-height:1.45;padding:12px 18px;
  border-bottom:1px solid rgba(255,255,255,.06);
}
.nc-sugg button:last-child{border-bottom:0}
.nc-sugg button:hover,.nc-sugg button.sel{background:rgba(70,130,215,.16);color:#fff}
.nc-sugg .nc-msg{padding:14px 18px;font-size:13.5px;color:#8DA0BB;margin:0}
.nc-body{margin-top:22px}
.nc-empty{
  display:flex;align-items:center;gap:14px;color:#9AAAC2;font-size:14.5px;
  background:rgba(255,255,255,.04);border:1px dashed rgba(255,255,255,.2);border-radius:16px;padding:20px 22px;
}
.nc-empty svg{color:var(--gold-400);flex:none}
.nc-empty p{margin:0}
.nc-skel{display:grid;gap:12px}
.nc-skel i{
  display:block;height:18px;border-radius:8px;
  background:linear-gradient(90deg,rgba(255,255,255,.06) 25%,rgba(255,255,255,.14) 50%,rgba(255,255,255,.06) 75%);
  background-size:200% 100%;animation:shimmer 1.1s linear infinite;
}
.nc-skel i:nth-child(1){width:70%}.nc-skel i:nth-child(2){width:40%}.nc-skel i:nth-child(3){width:100%;height:90px;border-radius:14px}
@keyframes shimmer{to{background-position:-200% 0}}
.nc-result{display:grid;grid-template-columns:1.08fr .92fr;gap:26px;align-items:center;animation:rise .5s ease both}
.nc-meta h3{color:#fff;font-family:var(--font-body);font-weight:700;font-size:19px;line-height:1.45;margin:0 0 12px}
.nc-tags{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}
.nc-tags span{
  font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-300);
  background:rgba(70,130,215,.15);border:1px solid rgba(139,181,235,.4);border-radius:999px;padding:5px 12px;
}
.nc-returns{display:flex;gap:10px;flex-wrap:wrap}
.nc-ret{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:13px;padding:10px 16px;min-width:92px}
.nc-ret .k{display:block;font-size:10.5px;color:#8DA0BB;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:2px}
.nc-ret .v{font-size:16.5px;font-weight:700;font-variant-numeric:tabular-nums}
.nc-ret .v.up{color:#4ADE80}.nc-ret .v.down{color:#F87171}
.nc-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.nc-navbox{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:22px 24px}
.nc-navbox .k{font-size:12px;color:#8DA0BB;font-weight:600;display:block;margin-bottom:5px}
.nc-navbox .v{
  font-family:var(--font-display);font-size:34px;font-weight:700;color:#fff;
  display:flex;align-items:center;gap:12px;flex-wrap:wrap;line-height:1.1;font-variant-numeric:tabular-nums;
}
.nc-chg{font-family:var(--font-body);font-size:13px;font-weight:700;border-radius:999px;padding:4px 12px;letter-spacing:.01em}
.nc-chg.up{color:#4ADE80;background:rgba(74,222,128,.12);border:1px solid rgba(74,222,128,.35)}
.nc-chg.down{color:#F87171;background:rgba(248,113,113,.12);border:1px solid rgba(248,113,113,.35)}
.nc-spark{width:100%;height:92px;margin-top:14px;display:block}
.spark-lbl{font-size:11px;color:#8DA0BB;font-weight:600;letter-spacing:.08em;text-transform:uppercase;display:block;margin-top:6px}
.nc-err{
  display:flex;gap:13px;align-items:flex-start;background:rgba(248,113,113,.08);
  border:1px solid rgba(248,113,113,.3);border-radius:16px;padding:18px 20px;font-size:14px;color:#F5C6C6;
}
.nc-err svg{flex:none;color:#F87171;margin-top:2px}
.nc-err p{margin:0}
.nc-note{font-size:11.5px;color:#8DA0BB;margin:18px 0 0;line-height:1.6}
@media (max-width:860px){
  .nc-result{grid-template-columns:1fr}
  .nav-checker{padding:24px 20px}
  .hero-marquee{padding-bottom:88px}
}

/* ---------- Fund Compare ---------- */
.fc-slots{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.fc-slot{position:relative}
.fc-tag{display:block;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#8DA0BB;margin-bottom:8px}
.fc-tag em{font-style:normal;color:#5F7194;text-transform:none;letter-spacing:.02em}
.fc-slot .nc-input{font-size:14px;padding:11px 0}
.fc-slot .nc-search{padding:2px 14px;gap:9px}
.fc-pick{margin-top:0}
.fc-chip{
  display:flex;align-items:center;gap:10px;background:rgba(255,255,255,.07);
  border:1.5px solid var(--c,#78AAE6);border-radius:14px;padding:10px 12px;min-height:48px;
}
.fc-chip i{width:10px;height:10px;border-radius:3px;background:var(--c,#78AAE6);flex:none}
.fc-chip b{font-size:12.5px;font-weight:600;color:#fff;line-height:1.35;flex:1;
  display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.fc-x{
  background:rgba(255,255,255,.1);border:0;color:#fff;width:24px;height:24px;border-radius:50%;
  font-size:15px;line-height:1;cursor:pointer;flex:none;
}
.fc-x:hover{background:rgba(248,113,113,.35)}
.fc-periods{display:flex;gap:8px;margin-top:18px}
.fc-periods button{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);color:#AFBDD3;
  font:inherit;font-size:12.5px;font-weight:700;padding:7px 16px;border-radius:999px;cursor:pointer;transition:.2s;
}
.fc-periods button:hover{color:#fff;border-color:rgba(139,181,235,.5)}
.fc-periods button.active{background:linear-gradient(135deg,var(--gold-500),var(--gold-600));border-color:transparent;color:#fff}
.fc-chart-wrap{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:18px 18px 10px;animation:rise .5s ease both}
.fc-chart{width:100%;height:auto;display:block}
.fc-legend{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:10px}
.fc-leg{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;color:#C7D2E4;font-weight:600}
.fc-leg i{width:11px;height:11px;border-radius:3px;flex:none}
.fc-note-sm{font-size:11.5px;color:#8DA0BB;margin:8px 2px 6px}
.fc-table{margin-top:16px;border:1px solid rgba(255,255,255,.12);border-radius:16px;overflow:hidden;animation:rise .5s ease both}
.fc-row{
  display:grid;grid-template-columns:2.2fr 1fr .9fr .9fr .9fr 1.3fr;gap:10px;align-items:center;
  padding:12px 16px;border-top:1px solid rgba(255,255,255,.08);font-size:13.5px;
}
.fc-row:first-child{border-top:0}
.fc-row.head{background:rgba(255,255,255,.05);font-size:10.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#8DA0BB}
.fc-row .name{display:flex;align-items:center;gap:9px;font-weight:600;color:#fff;font-size:13px;line-height:1.4}
.fc-row .name i{width:9px;height:9px;border-radius:3px;flex:none}
.fc-row .num{font-variant-numeric:tabular-nums;font-weight:700}
.fc-row .num.up{color:#4ADE80}.fc-row .num.down{color:#F87171}
.fc-row .cat{color:#AFBDD3;font-size:12px}
@media (max-width:960px){
  .fc-slots{grid-template-columns:1fr}
  .fc-row{grid-template-columns:1.6fr 1fr 1fr;row-gap:6px}
  .fc-row .cat,.fc-row.head span:nth-child(5),.fc-row span:nth-child(5),.fc-row.head span:nth-child(6){display:none}
}

/* ---------- Risk Profile Quiz ---------- */
.rq .rq-view{animation:rise .45s ease both}
.rq-kicker{
  display:inline-block;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold-300);background:rgba(70,130,215,.15);border:1px solid rgba(139,181,235,.4);
  border-radius:999px;padding:6px 14px;margin-bottom:14px;
}
.rq-head h3{color:#fff;font-size:24px;margin:0 0 8px}
.rq-head p{color:#AFBDD3;font-size:14.5px;max-width:640px;margin:0 0 22px}
.rq-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:640px;margin-bottom:18px}
.rq-grp label{display:block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#8DA0BB;margin-bottom:8px}
.rq-grp input{
  width:100%;background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.18);border-radius:13px;
  color:#fff;font:inherit;font-size:15px;padding:13px 16px;outline:none;transition:.2s;box-sizing:border-box;
}
.rq-grp input:focus{border-color:var(--gold-400);background:rgba(255,255,255,.1);box-shadow:0 0 0 4px rgba(70,130,215,.18)}
.rq-grp input::placeholder{color:#7E92AE}
.rq-err{color:#F87171;font-size:13.5px;font-weight:600;margin:0 0 14px}
.rq-progress{height:6px;border-radius:6px;background:rgba(255,255,255,.1);overflow:hidden;margin-bottom:14px}
.rq-progress span{display:block;height:100%;width:0;border-radius:6px;background:linear-gradient(90deg,var(--gold-500),var(--gold-400));transition:width .35s ease}
.rq-count{font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#8DA0BB;margin-bottom:10px}
.rq-q{color:#fff;font-size:clamp(19px,2.6vw,24px);margin:0 0 20px;font-family:var(--font-display);line-height:1.35}
.rq-opts{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.rq-opt{
  text-align:left;background:rgba(255,255,255,.06);border:1.5px solid rgba(255,255,255,.16);border-radius:14px;
  color:#E7EDF6;font:inherit;font-size:14.5px;font-weight:600;padding:16px 18px;cursor:pointer;transition:.18s;
}
.rq-opt:hover{border-color:var(--gold-400);background:rgba(70,130,215,.16);transform:translateY(-2px)}
.rq-navrow{margin-top:16px}
.rq-back{background:none;border:0;color:#8DA0BB;font:inherit;font-size:13.5px;font-weight:600;cursor:pointer;padding:6px 2px}
.rq-back:hover{color:#fff}
.rq-res-head{text-align:center;margin-bottom:24px}
.rq-band{
  font-family:var(--font-display);font-size:clamp(30px,4vw,42px);color:#fff;margin:4px 0 10px;
  background:linear-gradient(120deg,#fff 30%,var(--gold-400));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.rq-tagchip{
  display:inline-block;font-size:12.5px;font-weight:700;color:#4ADE80;background:rgba(74,222,128,.12);
  border:1px solid rgba(74,222,128,.35);border-radius:999px;padding:6px 16px;
}
.rq-res-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:center}
.rq-desc{color:#C7D2E4;font-size:15px;line-height:1.75;margin:0 0 20px}
.rq-mixbox{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:22px 24px}
.rq-mixbox .k{font-size:11px;color:#8DA0BB;font-weight:700;letter-spacing:.1em;text-transform:uppercase;display:block;margin-bottom:14px}
.rq-donut-row{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.rq-leg{display:grid;gap:9px;font-size:13px;color:#C7D2E4;font-weight:600}
.rq-leg span{display:flex;align-items:center;gap:9px}
.rq-leg i{width:11px;height:11px;border-radius:3px;flex:none}
.rq-mixnote{font-size:11.5px;color:#8DA0BB;margin:14px 0 0;line-height:1.6}
@media (max-width:860px){
  .rq-fields{grid-template-columns:1fr}
  .rq-opts{grid-template-columns:1fr}
  .rq-res-grid{grid-template-columns:1fr}
}

/* ---------- Free tools strip (homepage) ---------- */
.tools-strip{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.tool-card{
  position:relative;border-radius:22px;padding:34px;color:#fff;overflow:hidden;display:flex;flex-direction:column;
  background:
    radial-gradient(500px 260px at 90% -30%,rgba(70,130,215,.25),transparent 60%),
    linear-gradient(150deg,var(--navy-950),var(--navy-800));
  border:1px solid rgba(139,181,235,.28);box-shadow:var(--shadow-lg);
}
.tool-card .tk{font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-300);margin-bottom:10px}
.tool-card h3{color:#fff;font-size:22px;margin:0 0 10px}
.tool-card p{color:#AFBDD3;font-size:14.5px;margin:0 0 20px;max-width:420px}
.tool-card .btns{margin-top:auto;display:flex;gap:10px;flex-wrap:wrap}
.tool-card .art{position:absolute;right:-24px;bottom:-30px;opacity:.9;pointer-events:none}
.tool-card:last-child .art{right:30px;bottom:-6px}
.tool-card:last-child p{max-width:340px}
.book-mock{
  width:118px;height:auto;display:block;border-radius:7px;transform:rotate(8deg);
  box-shadow:-14px 18px 34px rgba(0,0,0,.5);border:1px solid rgba(255,255,255,.2);
}
.gauge-mock{width:150px;height:110px;position:relative}
@media (max-width:860px){.tools-strip{grid-template-columns:1fr}.tool-card .art{opacity:.35}}

/* ---------- FAQ accordion ---------- */
.faq-list{max-width:840px;margin:0 auto;display:grid;gap:14px}
.faq-item{
  background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:.25s;
}
.faq-item[open]{box-shadow:var(--shadow-md);border-color:#C9DFF5}
.faq-item summary{
  list-style:none;cursor:pointer;display:flex;align-items:center;gap:14px;justify-content:space-between;
  padding:20px 24px;font-weight:700;font-size:16px;color:var(--navy-900);font-family:var(--font-body);
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .fq-ic{
  flex:none;width:30px;height:30px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:#EEF5FD;color:var(--gold-600);font-size:19px;font-weight:600;transition:.25s;line-height:1;
}
.faq-item[open] summary .fq-ic{transform:rotate(45deg);background:linear-gradient(135deg,var(--gold-500),var(--gold-600));color:#fff}
.faq-item .fq-a{padding:0 24px 22px;color:#3D4C63;font-size:15px;line-height:1.75}
.faq-item .fq-a p{margin:0 0 .8em}
.faq-item .fq-a p:last-child{margin-bottom:0}
.faq-item .fq-a a{font-weight:600}

/* ---------- CTA band ambience ---------- */
.cta-band::before{
  content:"";position:absolute;width:340px;height:340px;left:-90px;bottom:-160px;border-radius:50%;
  background:radial-gradient(circle,rgba(120,170,230,.25),transparent 62%);
  animation:orbFloat 9s ease-in-out infinite alternate;pointer-events:none;
}

/* ---------- Reduced motion for upgrade layer ---------- */
@media (prefers-reduced-motion:reduce){
  .mq-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center}
  .mq-track span[aria-hidden]{display:none}
  .hero::after,.page-hero::after,.cta-band::before{animation:none}
  .nc-skel i{animation:none}
  .btn-gold::after{display:none}
}