:root {
  --navy: #0A2342;
  --royal: #1E4DB7;
  --gold: #C8A24D;
  --gold-light: #E8C97A;
  --gold-pale: #F5EDD8;
  --white: #FFFFFF;
  --off-white: #F8F6F1;
  --light-grey: #F0EDE8;
  --mid-grey: #D4CFC6;
  --text-body: #2C3340;
  --text-muted: #6B7280;
  --text-light: #9CA3AF;
  --navy-light: #0D2D55;
  --border: rgba(10,35,66,0.12);
  --shadow-sm: 0 2px 12px rgba(10,35,66,0.07);
  --shadow-md: 0 8px 32px rgba(10,35,66,0.10);
  --shadow-lg: 0 20px 60px rgba(10,35,66,0.14);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 32px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Manrope', sans-serif;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

/* ===================== TYPOGRAPHY ===================== */
.serif { font-family: 'Playfair Display', Georgia, serif; }

h1, h2, h3 { font-family: 'Playfair Display', Georgia, serif; line-height: 1.2; }
h4, h5, h6, p, span, a, li, label, input, button { font-family: 'Manrope', sans-serif; }

.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
}

.section-title { font-size: clamp(2rem, 4vw, 3rem); color: var(--navy); margin: 0.75rem 0; }
.section-sub { font-size: 1.05rem; color: var(--text-muted); max-width: 600px; line-height: 1.8; }
.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto; }

/* ===================== LAYOUT ===================== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
.section { padding: 100px 0; }
.section-sm { padding: 70px 0; }

/* ===================== NAVBAR ===================== */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(10,35,66,0.97);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(200,162,77,0.15);
  transition: all 0.3s ease;
}

.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex; align-items: center; gap: 12px; text-decoration: none;
}

.logo-mark {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--gold) 0%, #E8C97A 100%);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-weight: 700; font-size: 18px; color: var(--navy);
}

.logo-text { display: flex; flex-direction: column; }
.logo-text span:first-child {
  font-family: 'Playfair Display', serif;
  font-size: 18px; font-weight: 700; color: var(--white);
  letter-spacing: 0.5px;
}
.logo-text span:last-child {
  font-size: 9px; letter-spacing: 2.5px; text-transform: uppercase;
  color: var(--gold); font-weight: 600;
}

.nav-links { display: flex; align-items: center; gap: 0; list-style: none; }
.nav-links a {
  display: block; padding: 8px 18px;
  font-size: 13px; font-weight: 500; letter-spacing: 0.3px;
  color: rgba(255,255,255,0.8); text-decoration: none;
  transition: color 0.2s;
  position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: 0; left: 18px; right: 18px;
  height: 1.5px; background: var(--gold); transform: scaleX(0);
  transition: transform 0.2s ease;
}
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after { transform: scaleX(1); }

.btn-nav {
  padding: 10px 24px;
  background: var(--gold);
  color: var(--navy) !important;
  border-radius: var(--radius-sm);
  font-weight: 700 !important;
  font-size: 13px !important;
  transition: all 0.2s ease !important;
  letter-spacing: 0.3px;
}
.btn-nav:hover { background: var(--gold-light) !important; transform: translateY(-1px); }
.btn-nav::after { display: none !important; }

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 32px; border-radius: var(--radius-sm);
  font-family: 'Manrope', sans-serif;
  font-size: 14px; font-weight: 700;
  letter-spacing: 0.5px; cursor: pointer;
  text-decoration: none; border: 2px solid transparent;
  transition: all 0.25s ease; white-space: nowrap;
}
.btn-primary {
  background: var(--gold); color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover { background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,162,77,0.35); }

.btn-outline-white {
  background: transparent; color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.7); transform: translateY(-2px); }

.btn-outline-navy {
  background: transparent; color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }

/* ===================== HERO ===================== */
.hero {
  min-height: 100vh;
  background: var(--navy);
  position: relative;
  display: flex; align-items: center;
  overflow: hidden;
  padding-top: 72px;
}

.hero-bg-pattern {
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(30,77,183,0.25) 0%, transparent 60%),
    radial-gradient(circle at 80% 20%, rgba(200,162,77,0.08) 0%, transparent 50%),
    radial-gradient(circle at 70% 80%, rgba(30,77,183,0.15) 0%, transparent 40%);
}

.hero-grid-overlay {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(200,162,77,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200,162,77,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-content {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center; padding: 80px 0;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(200,162,77,0.12);
  border: 1px solid rgba(200,162,77,0.3);
  border-radius: 100px; padding: 6px 16px;
  font-size: 11px; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 28px;
}

.hero-badge-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.3); }
}

.hero h1 {
  font-size: clamp(2.6rem, 5vw, 4rem);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
}

.hero h1 em {
  font-style: italic;
  color: var(--gold);
}

.hero-sub {
  font-size: 1.05rem; color: rgba(255,255,255,0.7);
  line-height: 1.9; margin-bottom: 40px; max-width: 520px;
}

.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 56px; }

.hero-trust {
  display: flex; gap: 24px; flex-wrap: wrap;
}

.trust-pill {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; font-weight: 600;
  color: rgba(255,255,255,0.75);
}

.trust-pill svg {
  width: 16px; height: 16px; color: var(--gold);
  flex-shrink: 0;
}

.hero-right { position: relative; }

.hero-card-main {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(200,162,77,0.2);
  border-radius: var(--radius-lg);
  padding: 36px;
  backdrop-filter: blur(20px);
}

.hero-stat-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 20px; margin-bottom: 28px;
}

.hero-stat {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  padding: 20px;
}

.hero-stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2rem; font-weight: 700;
  color: var(--gold); line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-label {
  font-size: 11px; letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  font-weight: 600;
}

.hero-sebi-badge {
  display: flex; align-items: center; gap: 14px;
  background: rgba(200,162,77,0.08);
  border: 1px solid rgba(200,162,77,0.25);
  border-radius: var(--radius-md);
  padding: 16px 20px;
}

.sebi-icon {
  width: 44px; height: 44px;
  background: var(--gold);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.sebi-icon svg { width: 22px; height: 22px; color: var(--navy); }

.sebi-text span:first-child {
  display: block; font-size: 13px; font-weight: 700;
  color: var(--white); margin-bottom: 2px;
}
.sebi-text span:last-child {
  font-size: 11px; color: rgba(255,255,255,0.5);
  letter-spacing: 0.5px;
}

.floating-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  animation: float 4s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.fc-1 { top: -30px; right: -20px; animation-delay: 0.5s; }
.fc-2 { bottom: -20px; left: -30px; animation-delay: 1.5s; }

.fc-label { font-size: 10px; text-transform: uppercase; letter-spacing: 1.5px; color: var(--text-muted); font-weight: 700; margin-bottom: 4px; }
.fc-value { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: var(--navy); }
.fc-change { font-size: 11px; font-weight: 700; color: #22C55E; }

/* ===================== WHY SECTION ===================== */
.why-section { background: var(--off-white); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 60px;
}

.why-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.why-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(200,162,77,0.2); }
.why-card:hover::before { transform: scaleX(1); }

.why-icon {
  width: 56px; height: 56px;
  background: var(--navy);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px;
}

.why-icon svg { width: 26px; height: 26px; color: var(--gold); }

.why-card h3 { font-size: 1.2rem; color: var(--navy); margin-bottom: 12px; }
.why-card p { font-size: 14px; color: var(--text-muted); line-height: 1.8; }

/* ===================== SERVICES ===================== */
.services-section { background: var(--white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 60px;
}

.service-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  cursor: pointer;
  transition: all 0.3s ease;
  background: var(--white);
}

.service-card:hover {
  background: var(--navy);
  border-color: var(--navy);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.service-card:hover h3 { color: var(--white); }
.service-card:hover p { color: rgba(255,255,255,0.65); }
.service-card:hover .svc-icon { background: rgba(200,162,77,0.15); }
.service-card:hover .svc-icon svg { color: var(--gold); }

.svc-icon {
  width: 60px; height: 60px;
  background: var(--off-white);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  transition: all 0.3s;
}

.svc-icon svg { width: 28px; height: 28px; color: var(--navy); transition: all 0.3s; }
.service-card h3 { font-size: 1rem; color: var(--navy); margin-bottom: 8px; transition: color 0.3s; }
.service-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; transition: color 0.3s; }

/* ===================== PROCESS ===================== */
.process-section { background: var(--navy); padding: 100px 0; }

.process-steps {
  display: flex; gap: 0;
  margin-top: 64px;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 40px; left: 10%; right: 10%;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(200,162,77,0.4), rgba(200,162,77,0.4), rgba(200,162,77,0.4), transparent);
}

.process-step {
  flex: 1;
  text-align: center;
  padding: 0 20px;
  position: relative;
}

.step-num {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: rgba(200,162,77,0.1);
  border: 2px solid rgba(200,162,77,0.3);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  position: relative; z-index: 1;
  transition: all 0.3s ease;
}

.step-num:hover {
  background: var(--gold);
  border-color: var(--gold);
}

.step-num:hover span { color: var(--navy); }

.step-num span {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; font-weight: 700;
  color: var(--gold);
  transition: color 0.3s;
}

.process-step h3 {
  font-size: 1rem; color: var(--white);
  margin-bottom: 10px;
}

.process-step p {
  font-size: 13px; color: rgba(255,255,255,0.55);
  line-height: 1.7;
}

/* ===================== TESTIMONIALS ===================== */
.testimonials-section { background: var(--off-white); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 60px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  position: relative;
}

.quote-mark {
  font-family: 'Playfair Display', serif;
  font-size: 5rem; line-height: 1;
  color: var(--gold); opacity: 0.3;
  position: absolute; top: 20px; right: 28px;
}

.testimonial-text {
  font-size: 15px; color: var(--text-body);
  line-height: 1.85; margin-bottom: 28px;
  font-style: italic;
}

.testimonial-author {
  display: flex; align-items: center; gap: 14px;
}

.author-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 700;
  color: var(--gold);
  flex-shrink: 0;
}

.author-info span:first-child {
  display: block; font-size: 14px; font-weight: 700;
  color: var(--navy);
}
.author-info span:last-child {
  font-size: 12px; color: var(--text-muted);
}

.stars { color: var(--gold); font-size: 13px; margin-bottom: 16px; }

/* ===================== PHILOSOPHY ===================== */
.philosophy-section { background: var(--white); }

.philosophy-grid {
  display: grid;
  grid-template-columns: 1fr;
  max-width: 780px;
  margin: 60px auto 0;
}

.philosophy-points { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }

.philosophy-point {
  display: flex; gap: 20px;
  padding: 24px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  transition: all 0.3s;
}

.philosophy-point:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }

.philosophy-point-icon {
  width: 44px; height: 44px;
  background: var(--navy);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.philosophy-point-icon svg { width: 20px; height: 20px; color: var(--gold); }

.philosophy-point h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem; color: var(--navy);
  margin-bottom: 6px;
}

.philosophy-point p { font-size: 13px; color: var(--text-muted); line-height: 1.7; }

.philosophy-visual {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 40px;
  position: sticky; top: 100px;
}

.portfolio-donut-container { text-align: center; margin-bottom: 32px; }

.donut-label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 2px;
  color: rgba(255,255,255,0.5); font-weight: 700;
  margin-bottom: 20px;
}

.alloc-bars { display: flex; flex-direction: column; gap: 14px; }

.alloc-bar { display: flex; align-items: center; gap: 12px; }
.alloc-bar-label { font-size: 12px; color: rgba(255,255,255,0.7); width: 110px; flex-shrink: 0; font-weight: 500; }
.alloc-bar-track { flex: 1; height: 8px; background: rgba(255,255,255,0.08); border-radius: 100px; overflow: hidden; }
.alloc-bar-fill { height: 100%; border-radius: 100px; transition: width 1s ease; }
.alloc-bar-pct { font-size: 12px; font-weight: 700; color: var(--white); min-width: 36px; text-align: right; }

/* ===================== PRICING ===================== */
.pricing-section { background: var(--off-white); }

.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 60px;
}

.pricing-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}

.pricing-card.featured {
  background: var(--navy);
  border-color: var(--navy);
  transform: scale(1.03);
}

.featured-badge {
  position: absolute; top: 0; right: 32px;
  background: var(--gold);
  color: var(--navy);
  font-size: 10px; font-weight: 800;
  letter-spacing: 1.5px; text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
}

.pricing-card:not(.featured):hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }

.pricing-plan {
  font-size: 11px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}

.pricing-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; color: var(--navy);
  margin-bottom: 6px;
}

.pricing-card.featured .pricing-name { color: var(--white); }

.pricing-desc {
  font-size: 13px; color: var(--text-muted);
  margin-bottom: 28px; line-height: 1.6;
}

.pricing-card.featured .pricing-desc { color: rgba(255,255,255,0.6); }

.pricing-amount {
  margin-bottom: 8px;
}

.pricing-amount sup {
  font-size: 18px; font-weight: 700;
  color: var(--navy); vertical-align: super;
}
.pricing-card.featured .pricing-amount sup { color: var(--gold); }

.pricing-amount span {
  font-family: 'Playfair Display', serif;
  font-size: 2.8rem; font-weight: 700;
  color: var(--navy); line-height: 1;
}
.pricing-card.featured .pricing-amount span { color: var(--white); }

.pricing-period {
  font-size: 12px; color: var(--text-muted);
  margin-bottom: 32px;
}
.pricing-card.featured .pricing-period { color: rgba(255,255,255,0.5); }

.pricing-divider {
  height: 1px; background: var(--border);
  margin-bottom: 28px;
}
.pricing-card.featured .pricing-divider { background: rgba(255,255,255,0.1); }

.pricing-features { list-style: none; margin-bottom: 36px; display: flex; flex-direction: column; gap: 12px; }

.pricing-features li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 13px; color: var(--text-body); line-height: 1.5;
}
.pricing-card.featured .pricing-features li { color: rgba(255,255,255,0.8); }

.pricing-features li svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; margin-top: 2px; }

/* ===================== INDIVIDUAL SERVICE FEES ===================== */
.fee-list-header { text-align: center; margin: 72px 0 40px; }
.fee-list-header span.section-label { display: block; margin-bottom: 10px; }
.fee-list-header h3 { font-family: 'Playfair Display', serif; font-size: 1.7rem; color: var(--navy); margin-bottom: 10px; }
.fee-list-header p { font-size: 14px; color: var(--text-muted); max-width: 560px; margin: 0 auto; line-height: 1.8; }

.fee-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.fee-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: all 0.3s ease;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fee-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: rgba(200,162,77,0.3); }

.fee-card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }

.fee-card-icon {
  width: 48px; height: 48px;
  background: var(--navy);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.fee-card-icon svg { width: 22px; height: 22px; color: var(--gold); }

.fee-card-price {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem; font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}

.fee-card-price sup { font-size: 13px; font-weight: 700; vertical-align: super; margin-right: 1px; }

.fee-card h4 { font-size: 1.02rem; color: var(--navy); margin: 0; }
.fee-card p { font-size: 13px; color: var(--text-muted); line-height: 1.7; margin: 0; }

.fee-card-cta {
  margin-top: auto;
  font-size: 12px; font-weight: 700;
  color: var(--royal);
  text-decoration: none;
  letter-spacing: 0.3px;
  display: inline-flex; align-items: center; gap: 4px;
}
.fee-card-cta:hover { text-decoration: underline; }

@media (max-width: 1024px) {
  .fee-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .fee-grid { grid-template-columns: 1fr; }
}

/* ===================== FAQ ===================== */
.faq-section { background: var(--white); }

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 60px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  font-size: 14px; font-weight: 600;
  color: var(--navy);
  transition: background 0.2s;
  gap: 12px;
  background: var(--white);
  border: none; width: 100%; text-align: left;
}

.faq-question:hover { background: var(--off-white); }

.faq-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--off-white);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; transition: all 0.3s;
}

.faq-icon svg { width: 14px; height: 14px; color: var(--navy); transition: transform 0.3s; }

.faq-item.open .faq-icon { background: var(--navy); }
.faq-item.open .faq-icon svg { color: var(--gold); transform: rotate(45deg); }

.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  font-size: 13px; color: var(--text-muted);
  line-height: 1.8;
  padding: 0 24px;
}

.faq-item.open .faq-answer {
  max-height: 300px;
  padding: 0 24px 20px;
}

/* ===================== CTA SECTION ===================== */
.cta-section {
  background: var(--navy);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: rgba(30,77,183,0.3);
  top: -200px; right: -100px;
  pointer-events: none;
}

.cta-inner {
  position: relative; z-index: 1;
  text-align: center;
}

.cta-inner h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--white);
  margin-bottom: 20px;
}

.cta-inner p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.7);
  max-width: 560px; margin: 0 auto 48px;
  line-height: 1.9;
}

.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-bottom: 56px; }

.cta-guarantees {
  display: flex; gap: 40px; justify-content: center; flex-wrap: wrap;
}

.cta-guarantee {
  display: flex; align-items: center; gap: 10px;
  font-size: 13px; color: rgba(255,255,255,0.65); font-weight: 500;
}

.cta-guarantee svg { width: 18px; height: 18px; color: var(--gold); }

/* ===================== ABOUT PREVIEW ===================== */
.about-section { background: var(--white); }

.about-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center;
}

.about-content .section-label { margin-bottom: 12px; display: block; }

.about-values {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px; margin: 36px 0;
}

.value-chip {
  display: flex; align-items: center; gap: 10px;
  padding: 12px 16px;
  background: var(--off-white);
  border-radius: var(--radius-sm);
  font-size: 13px; font-weight: 600;
  color: var(--navy);
}

.value-chip svg { width: 16px; height: 16px; color: var(--gold); }

.about-image {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 48px;
  position: relative;
}

.founder-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(200,162,77,0.2);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.founder-avatar {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem; font-weight: 700;
  color: var(--navy);
  margin-bottom: 20px;
}

.founder-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem; color: var(--white);
  margin-bottom: 4px;
}

.founder-title {
  font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 20px;
}

.founder-bio {
  font-size: 13px; color: rgba(255,255,255,0.65);
  line-height: 1.8; margin-bottom: 24px;
}

.founder-certs {
  display: flex; flex-wrap: wrap; gap: 8px;
}

.cert-badge {
  font-size: 10px; font-weight: 700; letter-spacing: 1px;
  text-transform: uppercase;
  background: rgba(200,162,77,0.15);
  border: 1px solid rgba(200,162,77,0.3);
  color: var(--gold);
  padding: 5px 12px; border-radius: 100px;
}

/* ===================== CONTACT ===================== */
.contact-section { background: var(--off-white); }

.contact-grid {
  display: grid; grid-template-columns: 1fr 1.6fr;
  gap: 60px; align-items: start;
}

.contact-info h3 {
  font-size: 1.3rem; color: var(--navy);
  margin-bottom: 24px;
}

.contact-items { display: flex; flex-direction: column; gap: 20px; margin-bottom: 36px; }

.contact-item {
  display: flex; gap: 16px; align-items: flex-start;
}

.contact-item-icon {
  width: 44px; height: 44px;
  background: var(--navy);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.contact-item-icon svg { width: 20px; height: 20px; color: var(--gold); }

.contact-item span:first-of-type {
  display: block; font-size: 11px;
  text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--text-muted); font-weight: 700; margin-bottom: 3px;
}

.contact-item a, .contact-item strong {
  font-size: 14px; font-weight: 600;
  color: var(--navy); text-decoration: none;
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px;
}

.contact-form h3 {
  font-size: 1.5rem; color: var(--navy);
  margin-bottom: 8px;
}

.form-sub { font-size: 14px; color: var(--text-muted); margin-bottom: 36px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.form-group { margin-bottom: 20px; }

.form-group label {
  display: block;
  font-size: 12px; font-weight: 700;
  letter-spacing: 0.5px; text-transform: uppercase;
  color: var(--navy); margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Manrope', sans-serif;
  font-size: 14px; color: var(--text-body);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10,35,66,0.08);
}

.form-group textarea { resize: vertical; min-height: 120px; }

.form-disclaimer {
  font-size: 11px; color: var(--text-muted);
  margin-top: 16px; line-height: 1.7;
}

/* ===================== FOOTER ===================== */
footer {
  background: var(--navy);
  padding: 80px 0 0;
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand p {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  line-height: 1.9;
  margin: 20px 0 28px;
  max-width: 300px;
}

.footer-social { display: flex; gap: 10px; }

.social-btn {
  width: 38px; height: 38px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.12);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5);
  cursor: pointer; transition: all 0.2s;
}

.social-btn:hover { border-color: var(--gold); color: var(--gold); }
.social-btn svg { width: 16px; height: 16px; }

.footer-col h5 {
  font-size: 11px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 20px;
}

.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

.footer-col ul li a {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-col ul li a:hover { color: var(--white); }

.footer-bottom {
  padding: 28px 0;
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; flex-wrap: wrap;
}

.footer-bottom p {
  font-size: 12px;
  color: rgba(255,255,255,0.35);
}

.footer-sebi {
  font-size: 11px;
  color: rgba(255,255,255,0.3);
  text-align: right;
  max-width: 480px;
  line-height: 1.7;
}

.footer-links { display: flex; gap: 20px; }
.footer-links a {
  font-size: 11px; color: rgba(255,255,255,0.35);
  text-decoration: none; transition: color 0.2s;
}
.footer-links a:hover { color: rgba(255,255,255,0.7); }

/* ===================== FLOATING ELEMENTS ===================== */
.whatsapp-btn {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 58px; height: 58px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  cursor: pointer; z-index: 999;
  transition: all 0.3s;
  text-decoration: none;
}

.whatsapp-btn:hover { transform: scale(1.1); box-shadow: 0 8px 30px rgba(37,211,102,0.5); }
.whatsapp-btn svg { width: 30px; height: 30px; color: white; }

.sticky-consult {
  position: fixed;
  top: 50%; right: 0;
  transform: translateY(-50%) rotate(90deg) translateX(50%);
  transform-origin: right center;
  background: var(--gold);
  color: var(--navy);
  font-size: 11px; font-weight: 800;
  letter-spacing: 2px; text-transform: uppercase;
  padding: 10px 20px;
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  cursor: pointer; z-index: 998;
  transition: all 0.2s;
  text-decoration: none;
}

.sticky-consult:hover { background: var(--gold-light); }

/* ===================== COMPLIANCE STRIP ===================== */
.compliance-strip {
  background: rgba(200,162,77,0.05);
  border-top: 1px solid rgba(200,162,77,0.15);
  border-bottom: 1px solid rgba(200,162,77,0.15);
  padding: 16px 0;
}

.compliance-strip .container {
  display: flex; align-items: center; gap: 16px;
  flex-wrap: wrap;
}

.compliance-strip p {
  font-size: 11px;
  color: var(--text-muted);
  line-height: 1.7;
}

.compliance-strip strong { color: var(--navy); }

/* ===================== SECTION HEADERS ===================== */
.section-header { margin-bottom: 0; }
.section-header.center { text-align: center; }
.section-header.center .section-sub { margin: 0 auto; }

/* ===================== ANIMATIONS ===================== */
@keyframes slideUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

.animate-in {
  animation: slideUp 0.7s ease forwards;
}

/* ===================== RESPONSIVE ===================== */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 60px; }
  .hero-right { display: none; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .philosophy-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 40px; }
  .pricing-grid { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
  .pricing-card.featured { transform: scale(1); }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .why-grid { grid-template-columns: 1fr; }
  .philosophy-points { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .process-steps { flex-direction: column; }
  .process-steps::before { display: none; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-sebi { text-align: center; }
  .container { padding: 0 20px; }
  .section { padding: 70px 0; }
  .sticky-consult { display: none; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .services-grid { grid-template-columns: 1fr; }
  .about-values { grid-template-columns: 1fr; }
  .hero-stat-grid { grid-template-columns: 1fr 1fr; }
  .hero-trust { flex-direction: column; gap: 12px; }
  .cta-guarantees { flex-direction: column; align-items: center; }
}

nav.scrolled{
  box-shadow:0 10px 35px rgba(0,0,0,.18);
}

.nav-links a.active{
  color:#ffffff;
}

.nav-links a.active::after{
  transform:scaleX(1);
}

.form-message{

  display:none;

  padding:14px;

  margin-bottom:20px;

  border-radius:8px;

  font-weight:600;

}

.form-message.error{

  display:block;

  background:#ffe5e5;

  color:#b00020;

  border:1px solid #ffbdbd;

}

.form-message.success{

  display:block;

  background:#e9f8ef;

  color:#166534;

  border:1px solid #8dd6a7;

}