:root{
    --navy-deep:#0D3B66;
    --navy-midnight:#082744;
    --navy-rich:#1565C0;
    --gold:#C9A227;
    --gold-champagne:#E5C76B;
    --gold-dark:#9F7E18;
    --ivory:#FAF9F6;
    --warm-white:#F5F3EE;
    --white:#FFFFFF;
    --gold-tint:#FBF7E8;
    --text-primary:#172033;
    --text-secondary:#5B6573;
    --text-muted:#8A94A3;
    --border-light:#E6E2D8;
    --border-subtle:#EEF0F2;
    --green:#16805C;
    --green-bg:#E8F5EF;
    --red:#C73E3E;
    --red-bg:#FBECEC;
    --warning:#D99A22;
    --info:#3978A8;
    --nav-text:#D9E0E7;
    --hero-sub:#B8C2CC;
    --sans:'Plus Jakarta Sans', sans-serif;
    --serif:'Playfair Display', serif;
  }

  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    font-family:var(--sans);
    background:var(--ivory);
    color:var(--text-primary);
    overflow-x:hidden;
    -webkit-font-smoothing:antialiased;
  }
  img{max-width:100%;display:block;}
  a{color:inherit;text-decoration:none;}
  ul{list-style:none;}
  .wrap{max-width:1180px;margin:0 auto;padding:0 28px;}
  section{position:relative;}
  section[id]{scroll-margin-top:115px;}

  ::selection{background:var(--gold);color:var(--navy-deep);}

  @media (prefers-reduced-motion: reduce){
    *{animation-duration:0.001ms !important;animation-iteration-count:1 !important;transition-duration:0.001ms !important;scroll-behavior:auto !important;}
  }
  :focus-visible{outline:2px solid var(--gold);outline-offset:3px;}

  /* ---------- Header ---------- */
  header{
    position:fixed;top:0;left:0;right:0;z-index:100;
    background:var(--navy-deep);
    padding:14px 0;
    border-bottom:1px solid rgba(201,162,39,0.15);
  }
  header .wrap{display:flex;align-items:center;justify-content:space-between;}
  .brand{display:flex;align-items:center;gap:14px;}
  .brand-mark{
    width:78px;height:78px;border-radius:12px;background:var(--white);
    display:flex;align-items:center;justify-content:center;overflow:hidden;flex-shrink:0;
  }
  .brand-mark img{width:100%;height:100%;object-fit:contain;padding:2px;}
  .brand-name{font-family:var(--serif);font-weight:600;font-size:1.45rem;color:var(--white);letter-spacing:-.01em;}
  .brand-name span{color:var(--white);}
  nav.main-nav{display:flex;align-items:center;gap:32px;}
  nav.main-nav a{
    font-size:.88rem;color:var(--nav-text);font-weight:500;
    position:relative;padding:4px 0;transition:color .25s ease;
  }
  nav.main-nav a:hover{color:var(--gold-champagne);}

  .nav-dropdown{position:relative;}
  .nav-dropdown-trigger{
    display:flex;align-items:center;gap:6px;
    background:none;border:none;cursor:pointer;
    font-family:var(--sans);font-size:.88rem;color:var(--nav-text);font-weight:500;
    padding:4px 0;transition:color .25s ease;
  }
  .nav-dropdown-trigger svg{width:14px;height:14px;transition:transform .3s ease;}
  .nav-dropdown-trigger:hover{color:var(--navy-deep);}
  .nav-dropdown.open .nav-dropdown-trigger{color:var(--gold-champagne);}
  .nav-dropdown.open .nav-dropdown-trigger svg{transform:rotate(180deg);}
  .nav-dropdown-panel{
    position:absolute;top:calc(100% + 18px);left:50%;transform:translateX(-50%) translateY(-8px);
    width:500px;background:var(--white);border-radius:12px;border:1px solid var(--border-light);
    box-shadow:0 24px 48px rgba(13,59,102,0.22);
    padding:10px;display:grid;grid-template-columns:1fr 1fr;gap:2px;
    opacity:0;visibility:hidden;pointer-events:none;
    transition:opacity .25s ease, transform .25s ease, visibility .25s ease;
    z-index:50;
  }
  .nav-dropdown.open .nav-dropdown-panel{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0);}
  .nav-dropdown-panel a{
    display:flex;align-items:center;gap:11px;padding:11px 12px;border-radius:8px;
    font-size:.85rem;font-weight:600;color:#172033;opacity:1;
    transition:background .2s ease;
  }
  .nav-dropdown-panel a:hover{background:var(--gold-tint);}
  .ndp-tick{width:16px;height:16px;color:var(--gold);flex-shrink:0;}
  .nav-dropdown-panel .ndp-cta{
    grid-column:1/-1;margin-top:4px;background:var(--navy-deep);color:var(--white);
    justify-content:space-between;font-weight:600;
  }
  .nav-dropdown-panel .ndp-cta:hover{background:var(--navy-rich);color:var(--white);}
  .nav-dropdown-panel .ndp-cta svg{width:15px;height:15px;color:var(--gold-champagne);}

  .header-right{display:flex;align-items:center;gap:16px;}
  .header-ideals-thumb{
    height:48px;width:auto;border-radius:8px;border:1.5px solid rgba(255,255,255,0.25);
    object-fit:cover;flex-shrink:0;
  }

  .nav-cta{
    background:var(--gold);color:var(--navy-deep);padding:11px 22px;border-radius:9px;
    font-weight:700;font-size:.85rem;white-space:nowrap;
    transition:background .25s ease;
    display:inline-flex;align-items:center;gap:8px;
  }
  .nav-cta:hover{background:var(--gold-champagne);color:var(--navy-deep);}
  .nav-cta:active{background:var(--gold-champagne);color:var(--navy-deep);}

  .mobile-menu-toggle{
    display:none;background:none;border:1px solid rgba(255,255,255,0.2);border-radius:8px;
    width:40px;height:40px;align-items:center;justify-content:center;color:var(--white);cursor:pointer;
  }
  .mobile-menu-toggle svg{width:20px;height:20px;}
  .mobile-menu{
    display:none;flex-direction:column;background:var(--navy-deep);
    border-top:1px solid rgba(201,162,39,0.15);
    max-height:0;overflow:hidden;transition:max-height .35s ease;
  }
  .mobile-menu.open{max-height:400px;}
  .mobile-menu a{
    padding:16px 28px;font-size:.95rem;font-weight:500;color:var(--nav-text);
    border-bottom:1px solid rgba(255,255,255,0.08);
  }
  .mobile-menu-cta{
    display:flex;align-items:center;justify-content:space-between;
    background:var(--gold);color:var(--navy-deep);font-weight:700;
  }
  .mobile-menu-cta svg{width:16px;height:16px;}

  /* ---------- Hero ---------- */
  .hero{
    background:var(--navy-deep);
    padding:165px 0 90px;
    position:relative;
    overflow:hidden;
  }
  .hero::before{
    content:'';position:absolute;top:0;right:0;bottom:0;left:0;
    background:radial-gradient(ellipse 700px 500px at 85% 10%, rgba(201,162,39,0.09), transparent 60%);
    pointer-events:none;
  }
  .hero-grid{
    display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;
    position:relative;z-index:2;
  }
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    font-size:.76rem;letter-spacing:.06em;text-transform:uppercase;font-weight:600;
    color:var(--gold-champagne);background:rgba(201,162,39,0.1);
    border:1px solid rgba(201,162,39,0.3);
    padding:8px 16px;border-radius:100px;margin-bottom:26px;
  }
  h1{
    font-family:var(--serif);
    font-weight:600;
    font-size:clamp(2.4rem, 4.4vw, 3.7rem);
    line-height:1.14;
    letter-spacing:-.01em;
    color:var(--white);
    margin-bottom:24px;
  }
  h1 em{font-style:normal;color:var(--gold-champagne);}
  .hero-sub{
    font-size:1.08rem;line-height:1.65;color:var(--hero-sub);
    max-width:520px;margin-bottom:14px;
  }
  .hero-tag-mr{
    font-family:var(--serif);font-style:italic;font-size:1.02rem;color:var(--gold-champagne);
    margin-bottom:36px;
  }
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:46px;}
  .btn{
    display:inline-flex;align-items:center;gap:9px;
    padding:15px 27px;border-radius:9px;font-weight:700;font-size:.9rem;
    transition:background .25s ease, color .25s ease, border-color .25s ease, transform .2s ease;
    cursor:pointer;border:1.5px solid transparent;
  }
  .btn-primary{background:var(--gold);color:var(--navy-deep);}
  .btn-primary:hover{background:var(--gold-champagne);color:var(--navy-deep);transform:translateY(-2px);}
  .btn-primary:active{background:var(--gold-champagne);color:var(--navy-deep);transform:translateY(0);}
  .btn-ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,0.35);}
  .btn-ghost:hover{border-color:var(--gold-champagne);color:var(--gold-champagne);}
  .btn svg{width:16px;height:16px;flex-shrink:0;}

  .hero-stats{display:flex;gap:0;border-top:1px solid rgba(255,255,255,0.12);padding-top:26px;}
  .hstat{flex:1;padding-right:16px;}
  .hstat .num{
    font-family:var(--serif);font-size:1.6rem;font-weight:600;color:var(--white);
    display:flex;align-items:baseline;gap:2px;
  }
  .hstat .num .suffix{font-size:1rem;color:var(--gold-champagne);}
  .hstat .label{font-size:.76rem;color:var(--hero-sub);margin-top:5px;line-height:1.4;}

  /* Hero live market card */
  .hero-visual{position:relative;z-index:2;}
  .hero-visual-chart{
    position:absolute;top:-22px;right:-18px;left:-18px;height:calc(100% + 44px);
    z-index:0;overflow:hidden;border-radius:18px;pointer-events:none;
  }
  .hero-visual-chart svg{width:100%;height:100%;}
  .markets-card{
    position:relative;z-index:1;
    background:var(--white);
    border-radius:16px;padding:24px 24px 22px;
    box-shadow:0 30px 60px rgba(8,39,68,0.35);
  }
  .markets-card-head{
    display:flex;align-items:center;gap:9px;margin-bottom:18px;
    font-size:.74rem;letter-spacing:.04em;text-transform:uppercase;font-weight:600;
    color:var(--text-secondary);
  }
  .markets-card-head .live-dot{
    width:7px;height:7px;border-radius:50%;background:var(--green);
    box-shadow:0 0 0 3px var(--green-bg);
    animation:pulseDot 1.8s ease-in-out infinite;
  }
  @keyframes pulseDot{0%,100%{opacity:1;}50%{opacity:.35;}}
  @keyframes pulseRing{0%{transform:scale(1);opacity:.4;}100%{transform:scale(2.4);opacity:0;}}
  .pulse-ring{transform-origin:480px 55px;animation:pulseRing 2.2s ease-out infinite;}
  .sensex-live{
    background:var(--ivory);border:1px solid var(--border-subtle);border-radius:12px;
    overflow:hidden;height:78px;margin-bottom:10px;
  }
  .market-timestamp{
    font-size:.7rem;color:var(--text-muted);margin-bottom:14px;text-align:right;
  }
  .index-links-label{
    font-size:.72rem;letter-spacing:.03em;font-weight:600;
    color:var(--text-muted);margin-bottom:12px;
  }
  .index-links-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
  .index-links-grid a{
    display:flex;align-items:center;justify-content:space-between;gap:6px;
    background:var(--ivory);border:1px solid var(--border-subtle);border-radius:10px;
    padding:13px 14px;
    font-size:.85rem;font-weight:600;color:var(--navy-deep);
    transition:border-color .2s ease, background .2s ease;
  }
  .index-links-grid a:hover{border-color:var(--gold);background:var(--gold-tint);color:var(--navy-deep);}
  .index-links-grid a svg{width:14px;height:14px;color:var(--gold-dark);flex-shrink:0;}
  .markets-footnote{
    margin-top:16px;font-size:.72rem;color:var(--text-muted);line-height:1.55;
  }

  /* ---------- Section heads ---------- */
  .sec-head{max-width:640px;margin-bottom:56px;}
  .sec-head h2{
    font-family:var(--serif);font-weight:600;font-size:clamp(1.9rem,3vw,2.5rem);
    line-height:1.18;color:var(--navy-deep);letter-spacing:-.01em;
  }
  .sec-head p{margin-top:16px;color:var(--text-secondary);font-size:1rem;line-height:1.65;}
  .center{text-align:center;margin-left:auto;margin-right:auto;}
  .center .eyebrow{margin-left:auto;margin-right:auto;}
  .eyebrow-light{color:var(--gold-dark);background:var(--gold-tint);border-color:var(--border-light);}

  /* ---------- Trust strip ---------- */
  .trust-strip{background:var(--white);border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle);padding:28px 0;}
  .trust-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
  .tstat{display:flex;align-items:center;gap:13px;}
  .tstat .ic{
    width:40px;height:40px;border-radius:10px;background:var(--gold-tint);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--gold-dark);
  }
  .tstat .ic svg{width:19px;height:19px;}
  .tstat .tt{font-size:.86rem;font-weight:700;color:var(--navy-deep);line-height:1.3;}
  .tstat .ts{font-size:.75rem;color:var(--text-secondary);margin-top:2px;}

  /* ---------- Investment categories + growth journey (merged split section) ---------- */
  .categories{padding:110px 0 100px;background:var(--navy-deep);}
  .categories .sec-head h2{color:var(--white);}
  .categories .sec-head p{color:var(--hero-sub);}
  .categories-split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start;}

  .cat-list{display:grid;grid-template-columns:1fr 1fr;gap:0 22px;align-content:start;}
  .cat-row{
    display:flex;align-items:center;gap:14px;padding:14px 10px;
    border-bottom:1px solid rgba(255,255,255,0.08);
    transition:background .2s ease, padding-left .2s ease;
  }
  .cat-row:hover{background:rgba(255,255,255,0.03);padding-left:16px;}
  .cat-row-ic{
    width:36px;height:36px;border-radius:9px;background:rgba(201,162,39,0.12);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--gold-champagne);
  }
  .cat-row-ic svg{width:17px;height:17px;}
  .cat-row h3{font-size:.92rem;font-weight:600;color:var(--white);margin-bottom:2px;}
  .cat-row p{font-size:.78rem;color:var(--text-muted);line-height:1.4;}
  .categories-note{grid-column:1/-1;margin-top:20px;text-align:center;color:var(--text-muted);font-size:.86rem;}

  .journey-half{
    background:rgba(255,255,255,0.03);border:1px solid rgba(255,255,255,0.08);
    border-radius:16px;padding:28px 26px;text-align:center;
  }
  .journey-stage-content{margin-bottom:8px;min-height:70px;}
  .journey-year{
    font-family:var(--serif);font-size:1.3rem;font-weight:700;color:var(--gold-champagne);
    letter-spacing:.02em;margin-bottom:6px;transition:opacity .3s ease;
  }
  .journey-caption{font-size:.86rem;color:var(--hero-sub);max-width:320px;margin:0 auto;line-height:1.5;transition:opacity .3s ease;}
  .journey-visual{max-width:220px;margin:0 auto;}
  .journey-tree{width:100%;height:auto;overflow:visible;}
  .j-stage{transition:opacity .4s ease;}
  .j-stage ellipse, .j-stage circle{transform-box:fill-box;transform-origin:center;}
  .j-particle{animation:jFloat 2.6s ease-in-out infinite;}
  .j-particle:nth-child(2){animation-delay:.4s;}
  .j-particle:nth-child(3){animation-delay:.8s;}
  .j-particle:nth-child(4){animation-delay:1.2s;}
  @keyframes jFloat{
    0%{transform:translateY(0);opacity:0;}
    30%{opacity:1;}
    100%{transform:translateY(-70px);opacity:0;}
  }
  .journey-timeline{max-width:280px;margin:14px auto 0;position:relative;}
  .jt-line{height:2px;background:rgba(255,255,255,0.12);border-radius:2px;position:relative;margin-bottom:12px;}
  .jt-fill{position:absolute;top:0;left:0;height:100%;width:0%;background:var(--gold);border-radius:2px;transition:width .4s ease;}
  .jt-points{display:flex;justify-content:space-between;}
  .jt-point{display:flex;flex-direction:column;align-items:center;gap:6px;cursor:pointer;padding:4px;}
  .jt-dot{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,0.2);transition:background .3s ease, transform .3s ease;}
  .jt-point.active .jt-dot{background:var(--gold);transform:scale(1.3);}
  .jt-label{font-size:.62rem;color:var(--text-muted);transition:color .3s ease;white-space:nowrap;}
  .jt-point.active .jt-label{color:var(--gold-champagne);font-weight:600;}
  .journey-value{
    font-family:var(--serif);font-size:1.15rem;font-weight:700;color:var(--white);
    margin-top:16px;transition:opacity .3s ease;
  }
  .journey-value span{font-size:.7rem;font-weight:400;color:var(--text-muted);margin-left:4px;}
  .journey-replay{
    display:inline-flex;align-items:center;gap:8px;margin-top:16px;
    background:var(--gold);color:var(--navy-deep);border:none;border-radius:100px;
    padding:9px 20px;font-size:.82rem;font-weight:700;cursor:pointer;
    transition:background .25s ease;font-family:var(--sans);
  }
  .journey-replay:hover{background:var(--gold-champagne);}
  .journey-replay svg{width:14px;height:14px;}
  .journey-disclaimer{text-align:center;font-size:.68rem;color:var(--text-muted);margin-top:16px;line-height:1.5;}

  .amc-strip{margin-top:56px;padding-top:44px;border-top:1px solid rgba(255,255,255,0.08);text-align:center;}
  .amc-strip-label{font-size:.82rem;color:var(--hero-sub);margin-bottom:22px;font-weight:500;}
  .amc-tag-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;max-width:960px;margin:0 auto;}
  .amc-tag{
    background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.12);
    border-radius:100px;padding:8px 16px;font-size:.78rem;color:var(--nav-text);
    white-space:nowrap;
  }

  @media (max-width: 980px){
    .categories-split{grid-template-columns:1fr;gap:40px;}
    .cat-list{grid-template-columns:1fr;}
  }
  @media (max-width: 620px){
    .amc-tag{font-size:.72rem;padding:7px 13px;}
  }

  /* ---------- Calculator / growth visualization ---------- */
  .calc{background:var(--navy-deep);padding:120px 0;color:var(--white);}
  .calc .sec-head h2{color:var(--white);}
  .calc .sec-head p{color:var(--hero-sub);}
  .calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:16px;overflow:hidden;background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);}
  .calc-inputs{padding:44px 40px;}
  .calc-toggle{display:flex;background:rgba(255,255,255,0.06);border-radius:100px;padding:4px;margin-bottom:36px;width:fit-content;}
  .calc-toggle button{
    padding:9px 22px;border-radius:100px;font-size:.85rem;font-weight:700;color:var(--nav-text);
    background:transparent;border:none;cursor:pointer;transition:all .25s ease;font-family:var(--sans);
  }
  .calc-toggle button.active{background:var(--gold);color:var(--navy-deep);}
  .field{margin-bottom:28px;}
  .field label{
    display:flex;justify-content:space-between;font-size:.85rem;color:var(--hero-sub);margin-bottom:10px;
  }
  .field-input-row{
    display:flex;align-items:center;gap:8px;margin-bottom:14px;
    background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.14);
    border-radius:10px;padding:10px 14px;transition:border-color .2s ease;
  }
  .field-input-row:focus-within{border-color:var(--gold-champagne);}
  .field-prefix, .field-suffix{color:var(--hero-sub);font-size:.9rem;flex-shrink:0;}
  .field-num{
    flex:1;background:none;border:none;outline:none;
    font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--white);
    -moz-appearance:textfield;
  }
  .field-num::-webkit-outer-spin-button, .field-num::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}
  input[type=range]{
    width:100%;height:4px;border-radius:100px;background:rgba(255,255,255,0.14);
    -webkit-appearance:none;appearance:none;outline:none;
  }
  input[type=range]::-webkit-slider-thumb{
    -webkit-appearance:none;width:18px;height:18px;border-radius:50%;
    background:var(--gold);cursor:pointer;border:3px solid var(--navy-rich);box-shadow:0 0 0 1px var(--gold);
  }
  input[type=range]::-moz-range-thumb{
    width:18px;height:18px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid var(--navy-rich);
  }
  .calc-disclaimer{font-size:.72rem;color:var(--text-muted);margin-top:8px;line-height:1.5;}

  .calc-results{padding:44px 40px;display:flex;flex-direction:column;justify-content:center;background:rgba(255,255,255,0.03);}
  .cr-top{margin-bottom:24px;}
  .cr-label{font-size:.76rem;color:var(--hero-sub);text-transform:uppercase;letter-spacing:.04em;font-weight:600;}
  .cr-value{font-family:var(--serif);font-weight:700;font-size:2.5rem;color:var(--white);margin-top:6px;}
  .cr-chart{width:100%;height:70px;margin-bottom:24px;}
  .cr-breakdown{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:8px;}
  .cr-item .cr-item-label{font-size:.78rem;color:var(--hero-sub);margin-bottom:5px;}
  .cr-item .cr-item-val{font-size:1.1rem;font-weight:700;color:var(--white);}
  .cr-cta{font-size:.88rem;color:var(--hero-sub);margin-top:24px;}
  .cr-cta a{color:var(--gold-champagne);font-weight:700;border-bottom:1px solid var(--gold-champagne);}

  /* ---------- About ---------- */
  .about{padding:110px 0;background:var(--warm-white);}
  .about-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;}
  .profile-card{
    background:var(--white);border-radius:14px;overflow:hidden;border:1px solid var(--border-light);
    transition:transform .35s ease, box-shadow .35s ease;
  }
  .profile-card:hover{transform:translateY(-5px);box-shadow:0 22px 46px rgba(13,59,102,0.1);}
  .profile-photo{width:100%;aspect-ratio:4/3.1;overflow:hidden;background:var(--border-subtle);}
  .profile-photo img{width:100%;height:100%;object-fit:cover;object-position:top center;}
  .profile-body{padding:26px 28px 30px;}
  .profile-name{font-family:var(--serif);font-size:1.35rem;font-weight:600;color:var(--navy-deep);margin-bottom:6px;}
  .profile-role{font-size:.85rem;color:var(--gold-dark);font-weight:700;margin-bottom:16px;}
  .profile-meta{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px;}
  .profile-meta span{
    font-size:.72rem;background:var(--ivory);color:var(--text-secondary);
    padding:6px 11px;border-radius:100px;border:1px solid var(--border-light);
  }
  .profile-desc{font-size:.9rem;color:var(--text-secondary);line-height:1.6;}

  /* ---------- Why us ---------- */
  .why{padding:0 0 110px;background:var(--warm-white);}
  .why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
  .why-card{
    background:var(--white);border:1px solid var(--border-light);border-radius:14px;padding:30px 26px;
    transition:transform .3s ease, box-shadow .3s ease;
  }
  .why-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(13,59,102,0.08);}
  .why-card .w-ic{
    width:42px;height:42px;border-radius:10px;background:var(--gold-tint);
    display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--gold-dark);
  }
  .why-card .w-ic svg{width:20px;height:20px;}
  .why-card h3{font-family:var(--serif);font-size:1.1rem;font-weight:600;color:var(--navy-deep);margin-bottom:9px;}
  .why-card p{font-size:.87rem;color:var(--text-secondary);line-height:1.6;}

  /* ---------- Value statement (testimonial-style band) ---------- */
  .value-band{background:var(--gold-tint);padding:80px 0;border-top:1px solid var(--border-light);border-bottom:1px solid var(--border-light);}
  .value-band blockquote{
    font-family:var(--serif);font-size:clamp(1.4rem,2.6vw,2rem);font-weight:500;font-style:italic;
    color:var(--navy-deep);text-align:center;max-width:820px;margin:0 auto 20px;line-height:1.4;
  }
  .value-band .vb-attrib{text-align:center;font-size:.88rem;font-weight:600;color:var(--gold-dark);}

  /* ---------- FAQ ---------- */
  .faq{padding:110px 0;background:var(--ivory);}
  .faq-list{max-width:820px;margin:0 auto;}
  .faq-item{border-bottom:1px solid var(--border-light);}
  .faq-q{
    display:flex;align-items:center;justify-content:space-between;gap:16px;
    padding:24px 4px;cursor:pointer;font-weight:600;color:var(--navy-deep);font-size:1rem;
  }
  .faq-q svg{width:18px;height:18px;color:var(--gold-dark);flex-shrink:0;transition:transform .3s ease;}
  .faq-item.open .faq-q svg{transform:rotate(45deg);}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;}
  .faq-item.open .faq-a{max-height:220px;}
  .faq-a p{padding:0 4px 24px;color:var(--text-secondary);font-size:.92rem;line-height:1.65;}

  /* ---------- Contact ---------- */
  .contact{background:var(--navy-deep);color:var(--white);padding:120px 0;}
  .contact .sec-head h2{color:var(--white);}
  .contact .sec-head p{color:var(--hero-sub);}
  .contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:52px;}
  .contact-info-item{display:flex;gap:15px;margin-bottom:26px;}
  .contact-info-item .ic{
    width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,0.06);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .contact-info-item .ic svg{width:18px;height:18px;color:var(--gold-champagne);}
  .contact-info-item .ci-label{font-size:.78rem;color:var(--hero-sub);margin-bottom:4px;}
  .contact-info-item .ci-val{font-size:.95rem;color:var(--white);line-height:1.5;}
  .contact-info-item .ci-val a:hover{color:var(--gold-champagne);}

  .form-card{background:var(--white);border-radius:14px;padding:38px;color:var(--text-primary);}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
  .form-group{margin-bottom:18px;}
  .form-group label{display:block;font-size:.82rem;color:var(--text-secondary);margin-bottom:8px;font-weight:600;}
  .form-group input, .form-group select, .form-group textarea{
    width:100%;padding:13px 15px;border-radius:9px;border:1px solid var(--border-light);
    background:var(--ivory);font-family:var(--sans);font-size:.92rem;color:var(--text-primary);
    transition:border-color .25s ease, box-shadow .25s ease;
  }
  .form-group input:focus, .form-group select:focus, .form-group textarea:focus{
    outline:none;border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-tint);
  }
  .form-group textarea{resize:vertical;min-height:88px;}
  .form-submit{
    width:100%;padding:15px;border-radius:9px;background:var(--gold);color:var(--navy-deep);
    font-weight:700;font-size:.95rem;border:none;cursor:pointer;
    display:flex;align-items:center;justify-content:center;gap:9px;
    transition:background .25s ease, transform .25s ease;
  }
  .form-submit:hover{background:var(--gold-champagne);color:var(--navy-deep);transform:translateY(-2px);}
  .form-submit:active{background:var(--gold-champagne);color:var(--navy-deep);transform:translateY(0);}
  .form-submit svg{width:17px;height:17px;flex-shrink:0;}
  .form-submit:disabled{opacity:.7;cursor:not-allowed;transform:none;}
  .form-note{font-size:.76rem;color:var(--text-secondary);margin-top:14px;text-align:center;line-height:1.5;}

  /* ---------- Footer ---------- */
  footer{background:var(--navy-midnight);color:var(--nav-text);padding:56px 0 28px;}
  .footer-top{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:30px;margin-bottom:40px;}
  .footer-brand .brand-name{margin-bottom:10px;}
  .footer-brand p{font-size:.85rem;max-width:290px;line-height:1.6;color:var(--text-muted);}
  .footer-links{display:flex;gap:56px;flex-wrap:wrap;}
  .footer-col h4{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--gold-champagne);margin-bottom:16px;font-weight:700;}
  .footer-col a, .footer-col span{display:block;font-size:.86rem;margin-bottom:11px;color:var(--nav-text);}
  .footer-col a:hover{color:var(--gold-champagne);}
  .amfi-box{
    background:rgba(255,255,255,0.03);border:1px solid rgba(255,255,255,0.08);
    border-radius:12px;padding:22px 24px;margin-bottom:28px;
  }
  .amfi-tagline{font-size:.95rem;font-weight:700;color:var(--gold-champagne);margin-bottom:10px;font-family:var(--serif);}
  .amfi-box p{font-size:.88rem;line-height:1.6;color:var(--text-muted);}
  .amfi-box p strong{color:var(--nav-text);}
  .amfi-legal-line{margin-top:14px;padding-top:14px;border-top:1px solid rgba(255,255,255,0.08);font-size:.8rem;color:var(--text-muted);}
  .footer-bottom{
    display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;
    padding-top:24px;border-top:1px solid rgba(255,255,255,0.08);
    font-size:.78rem;color:var(--text-muted);
  }

  /* ---------- Floating WhatsApp ---------- */
  .float-wa{
    position:fixed;bottom:26px;right:26px;z-index:90;
    width:58px;height:58px;border-radius:50%;background:var(--green);
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 10px 26px rgba(22,128,92,0.4);
    transition:transform .25s ease;
  }
  .float-wa:hover{transform:scale(1.08);}
  .float-wa svg{width:28px;height:28px;color:#fff;}

  /* ---------- Responsive ---------- */
  @media (max-width: 980px){
    nav.main-nav{display:none;}
    .nav-cta{display:none;}
    .header-ideals-thumb{height:38px;}
    .mobile-menu-toggle{display:flex;}
    .mobile-menu{display:flex;}
    .hero-grid{grid-template-columns:1fr;gap:50px;}
    .hero-stats{flex-wrap:wrap;row-gap:20px;}
    .hstat{flex:1 1 45%;}
    .trust-strip .wrap{grid-template-columns:repeat(2,1fr);gap:22px;}
    .calc-grid{grid-template-columns:1fr;}
    .about-grid{grid-template-columns:1fr;}
    .why-grid{grid-template-columns:1fr;}
    .contact-grid{grid-template-columns:1fr;gap:48px;}
    .index-links-grid{grid-template-columns:1fr 1fr;}
  }
  @media (max-width: 620px){
    .wrap{padding:0 20px;}
    .hero{padding:120px 0 60px;}
    .form-row{grid-template-columns:1fr;}
    .footer-top{flex-direction:column;}
    .footer-links{gap:32px;}
    h1{font-size:2.1rem;}
    .index-links-grid{grid-template-columns:1fr;}
  }